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Does life insurance insure your life? Not exactly. But you're insuring a very important part of your life – your income and the financial stability it provides your family.
Think about the present. If both of your parents work and one of them dies, who would support you? Would you be able to live in the same home? Who will pay the bills?
Now think about the future. If at some point in the future you and your spouse took out a car loan or a home mortgage together, what would happen if you died? Who would pay for your funeral?
In any situation where you're responsible for someone or something, life insurance helps make sure there is enough money to pay your bills and meet your family's needs after you are gone.
Life insurance helps protect your family against the loss of your income when you die. The insurance policy's death benefit is used to provide income to your surviving family. It can also be used to pay off your financial obligations, as well as funeral expenses and burial costs.
When you buy life insurance, you pay your insurance company money (your premium), and they in return agree to pay a death benefit to whoever you choose when you die (your beneficiary). A beneficiary is usually a spouse, a child or a parent. Your beneficiary can use the money for any purpose, but the main reason for buying life insurance is to make sure your family is taken care of, any money you owe is paid, and all of your bills are settled.
Did you know even a simple funeral can cost more than $10,000? How would you be able to pay for a loved one's funeral without life insurance?
You're probably years and years away from dying. But, the simple fact is anyone at any age can die. Car accidents, natural disasters, fires and many diseases aren't picky when it comes to the age of their victims. Your parents may already have a life insurance policy on you as well as themselves.
There's no easy answer. The first step to finding out is usually by talking to an insurance agent and discussing your situation. He or she can help you look at things objectively and help you determine how much money your survivors would owe on your home, cars, credit cards, etc. You should also factor in the cost of funeral expenses and, if needed, money to provide an income for your family and your children's education.
After reviewing your needs, your agent will propose a life insurance policy and amount of coverage. Then, you pay a certain amount of money for the policy (a premium) monthly, quarterly or annually, and the policy pays a specific amount (the death benefit) when you die.
How much you might pay for life insurance compared to someone else depends on several factors. But as a general rule, life insurance costs less for a younger person and more for an older person. And the longer you wait to buy life insurance, the more expensive it gets, if only because the probability of dying generally increases each year.
Of course, age isn't the only key factor insurance companies consider. Insurance companies use statistics from years of research on a large number of people to help determine the cost of your insurance. They use these statistics to develop mortality tables, which list the probability of a person's death based on certain characteristics, including age, sex and tobacco use.
Other factors, called risk factors, aren't in the mortality table but can be used to determine how risky it will be to insure your life since they probably will affect how long you live. Examples of risk factors include current health, job, hazardous activities or hobbies, alcohol and drug usage, medical history and weight. And if the insurance company considers you a high risk, they might charge you more for coverage, or they might not insure you at all.
You're a 350-pound skydiver with a history of cancer. Are you a higher or lower risk than a 180-pound teacher with no medical problems?
Life insurance policies typically fall into two general types of coverage: term life insurance and permanent life insurance.
Permanent life insurance provides coverage throughout the insured's lifetime as long as premiums are paid as required. One permanent life insurance policy can cover your entire life. The premium can be fixed or flexible.
A permanent life insurance policy also has a cash value which builds over time. You get this money if you cancel the policy. You may also be able to take a loan against the policy's cash value, and the loan plus any unpaid interest would be subtracted from the policy's benefit if you die.
Types of permanent life insurance policies include whole life (the most common), universal life, variable life and variable universal life.
Term life insurance provides coverage only for a specified period of time. It provides a death benefit if you die during the policy term. The policy term is the specified period of coverage provided by the policy – it can be as short as an airplane trip or as long as 40 years. Most policy terms are for a number of years – one, five, 10, 20 or until a certain age is reached. If the term expires before you die, your beneficiary receives nothing.
A term life insurance policy generally has no cash value, and therefore you receive no money back if you outlive the term or cancel the policy. Many people purchase term insurance to cover a specific period when their income is particularly critical to those they'd leave behind. For example, people buy term insurance to cover payments on a house or their children's education costs. A term insurance policy may contain a right to convert the policy to a permanent insurance policy, typically before a specified age or time period.
Insurance policies may also include supplemental coverages, or riders, that tailor a policy to an individual. These may include disability coverage which helps protect against loss of income due to sickness or injury, or accidental death benefits which pay an additional benefit to your beneficiary if you die as the result of an accident.
Accidental death benefit – If a person dies as the result of an accident, the insurance company will pay an additional death benefit to the beneficiary.
Agent – A person who sells insurance; your direct contact with an insurance company.
Beneficiary – The person or people designated to receive the death benefit from a life insurance policy when the insured dies.
Cash value – In a permanent life insurance policy, the amount of money the policy owner will receive if the policy is cancelled and surrendered to the insurance company, unless there is an outstanding loan.
Claim – A request for payment under the terms of the insurance policy.
Death benefit – The amount of money paid when a person insured under a life insurance policy dies.
Insured – The person receiving insurance coverage under the insurance policy.
Insurer – Another term for the insurance company.
Policy – A written document that serves as evidence of an insurance contract which contains the pertinent facts about the policy owner, the insurance coverage, the insured and the insurer.
Premium – The amount you pay in exchange for insurance coverage.
Look over the following examples and answer whether the type of life insurance described is term life insurance or permanent life insurance. Your teacher will review each example with your class once you've completed the assignment.
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(Reuters) – News website BuzzFeed, one of the more interesting news business models to emerge in recent years, has raised $19.3 million in new capital, the company said on Thursday.
The round was led by venture capital firm NEA along with previous investors RRE, Hearst, SoftBank and Lerer Ventures. The founders of Buddy Media, Michael and Kass Lazerow, also participated.
The money will be used for mobile and video development, editorial hires and international expansion, the company said in a release.
BuzzFeed has skyrocketed in popularity and has caught the eye of media watchers for its innovative mix of news and advertising, including a mix of high- and low-brow content, photos driven by social media and sponsored stories.
The company said it has 40 million unique visitors a month. Editor-in-Chief Ben Smith runs an editorial team of 70.
BuzzFeed was started by Jonah Peretti, the co-founder of the Huffington Post, in 2006. It has raised $46 million in total.
(Reporting By Jennifer Saba in New York; Editing by Nick Zieminski)
Image Credit: Buzzfeed

subset: commoncrawl


text: Marc has been a leader of the standards-driven education reform movement for many years. Mr. Tucker created New Standards, a 23-state consortium designed to develop internationally benchmarked student performance standards and matching student examinations. He authored the 1986 Carnegie Report, A Nation Prepared: Teachers for the 21st Century, which called for a restructuring of America's schools based on standards; created the National Board for Professional Teaching Standards; created the Commission on the Skills of the American Workforce and co-authored its report, America's Choice: high skills or low wages!, which called for a new high school leaving a certificate based on standards; and, was instrumental in creating the National Skill Standards Board and served as the chairman of its committee on standards and assessment policy. With Ray Marshall, Mr. Tucker co-authored Thinking for a Living: Education and the Wealth of Nations, selected by Business Week as one of the ten best business books of 1992; with Judy Codding, co-authored Standards for Our Schools: How to Set Them, Measure Them, and Reach Them, published in 1998; and co-edited The Principal Challenge, 2002. Mr. Tucker created the National Institute of School Leadership, a state-of-the-art executive development program for school leaders. Mr. Tucker was the lead author of Tough Choices or Tough Times, the report of the New Commission on the Skills of the American Workforce. In 2014, the Education Commission of the States awarded Mr. Tucker the James Bryant Conant award for his outstanding individual contribution to American education. Mr. Tucker currently has an appointment as a Visiting Distinguished Fellow at the Harvard Graduate School of Education. Phone: 202-378-2170 Email: firstname.lastname@example.com


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One of Mitt Romney's top foreign-policy advisers recently took a side job: Burnishing the reputation of the government of Ukraine, a country condemned by international human rights groups and European governments for alleged corruption, unlawful imprisonment of opposition figures and a slide into authoritarianism reminiscent of Putin's Russia.
According to forms filed in May under the Lobbying Disclosure Act, Vin Weber, a former Minnesota Congressman and special adviser to Romney, is a registered lobbyist for a Brussels-based group known as the European Centre for a Modern Ukraine. The group's mission, according to its website, is to push for a comprehensive trade agreement between the European Union and to strengthen ties with the United States. Its founding president was Leonid Kozhara, a senior member of parliament for Ukraine's ruling Party of Regions.
On the campaign trail and on his website, Romney has criticized Russia, promising that as president he would "be forthright in confronting the Russian government over its authoritarian practices," and contrasting his more-hawkish stance with President Obama's "reset" of U.S.-Russia relations. Ukrainian President Viktor Yanukovych has at times sought closer ties with Vladimir Putin even as he has courted the West. In 2010, Yanukovych extended the lease for the Russian Navy's use of a Black Sea port in Sevastopol. This week, he will meet with Putin in Yalta for a major summit.
Neither Weber nor officials from the Romney campaign returned repeated calls seeking comment. Lucy-Claire Saunders, a spokeswoman with Mercury/Clark & Weinstock, the lobbying firm where Weber is a partner and which is also listed as a lobbyist for the ECFMU, said "the Party of Regions does not provide any direct or indirect financial support for the Centre; however they do share the philosophy that it is in Ukraine's long-term interests to further integrate and align with the West."
Saunders said the Centre is funded by a group of Ukrainian business people, but declined to provide their names, saying that the organization is "in compliance with all European and Belgian disclosure laws" and "will report its activities by the end of 2012, as this is the first year of activity." She said that in May, Kozhara, the group's president, "transitioned to a largely advisory role."
According to Romney's website, Weber is one of 24 "special advisers" to the campaign. He also, according to campaign officials, participates in a weekly conference call with four other senior advisers and Alex Wong, the campaign's foreign and legal policy adviser.
Advisers to presidential campaigns are generally hired for their expertise on important topics. They can be called upon to tutor candidates on issues, prep them for debates and help them respond to fast-breaking news. If all goes well, they might score a coveted Cabinet position. Because advisers are often unpaid, it's not unusual for them to have other jobs, including as lobbyists. In 2008, the Obama and McCain campaigns both had advisers who were lobbyists for foreign companies or governments.
What's notable about Weber's lobbying is that it has the potential to benefit a government that critics say is backsliding from a democratic revolution. Yanukovych has come under fire for the prosecution of Yulia Tymoshenko, the opposition leader and former prime minister who is now serving a seven-year prison sentence. Because of this, as well as prosecutions of other senior officials in the previous government and concerns about Yanukovych's consolidation of power, the European Union in December opted not to conclude a trade agreement with Ukraine. Senior politicians from Germany, Sweden and the United Kingdom boycotted the European soccer championship matches played in Ukraine's capital Kiev this summer, citing the arrest of opposition leaders.
A special report on Ukraine issued last year by the Washington-based human-rights group, Freedom House, said, "Ukraine under President Yanukovych has become less democratic and, if current trends are left unchecked, may head down a path toward autocracy and kleptocracy." A follow up (PDF) to that report released on July 5 found that "a year later, most of those key concerns remain, and in some cases the problems have grown considerably worse, especially in the area of selective prosecution of opposition figures and corruption."
Weber was an early endorser of fellow Minnesotan Tim Pawlenty in the 2012 GOP presidential primaries. In August, after Pawlenty pulled out of the race, Weber announced his support for Romney and has since been a key surrogate for the campaign in the media as well as a senior adviser. It's unclear whether the Romney campaign was informed of his registration in May as a lobbyist for the ECFMU.
In Washington, Weber has cultivated a reputation as an effective lobbyist. In 2007, Washingtonian Magazine listed him number 5 on its list of the most powerful lobbyists in D.C. The magazine credited him with building a $9 million Washington lobbying practice for the New York law firm, Clark & Weinstock. In October, that practice merged with Mercury Communications and became known as Mercury/Clark & Weinstock. Jim Talent, a former Missouri senator and another key Romney adviser, is a co-chairman. Talent didn't return calls seeking comment.
Weber is also past chairman of the National Endowment for Democracy, an organization that makes grants to democratic non-governmental organizations throughout Ukraine. In 2010, he was awarded the endowment's Democracy Service Medal. At the award ceremony, former Secretary of State Madeleine Albright praised Weber as her "best Republican friend." She said Weber understood "you can never impose democracy, that is an oxymoron, what you have to be able to do is show its value and promote it, and that is definitely what Vin's life has been dedicated to."
The National Endowment for Democracy declined to comment about Weber's contract with the ECFMU.
The ECFMU was formed in January in part to work with the U.S. and the European Union to normalize relations between Ukraine and the West. One of the ECFMU's centerpiece projects is known as the "U.S. Allies Project." According to the website, that project "seeks to inform the American government, opinion leaders, political decision makers and civil society, focusing on reforms being undertaken by Ukraine as part of its commitment to becoming a fully Western-facing democracy."
David Kramer, the president of Freedom House, says "the Centre is not addressing the core problems that exist in Ukraine." To improve relations with the U.S., he says, Ukraine "needs to end the selective prosecution and imprisonment of opposition figures, deal in a serious way with the problem of corruption and family-ization, the enrichment of people in Yanukovych's family, and ensure the October parliamentary election pass the free and fair test. Absent progress in those three areas, the future of the U.S.-Ukraine relationship is not that bright."


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LAS VEGAS, Nevada (CNN) -- Cell phones and TVs converging with the Internet? That's so 2008. The next big tech trend may be the marriage of computer technology to your car or truck.
This spring, Ford will offer a dashboard computing system on its full-size pickups and E-series vans.
This month, Hyundai is launching a system that warns motorists when they drift out of the lane they're traveling in. Another manufacturer has developed pedestrian-detection software that works with heat-seeking cameras to alert drivers when someone is in their path.
In March, Ford will release a fully functional, dashboard computer -- complete with keyboard -- geared to contractors and other business folks who want to access the Web, review documents and log inventory while on the go. In the spring, AT&T will launch an in-car entertainment service with 22 satellite TV channels.
Industry executives hope the new technological bells and whistles will put some sizzle back into stagnant vehicle sales.
"Consumers want a vehicle that's always on and always connected," said Kieran O'Sullivan, vice president at Continental Automotive Systems, which supplies parts and technology to automakers. In the near future, he said, "consumers and carmakers will be able to customize the [dashboard] instrument panel to their individual tastes the same way that people customize their mobile phones."
O'Sullivan spoke Thursday at a panel discussion at the International Consumer Electronics Show subtitled, "The Automobile's Convergence with Consumer Electronics." Panelists, including executives from Microsoft, Nokia and GM's OnStar service, agreed the industry is just beginning to tap the potential of in-car computing.
"We'll someday use this information technology in ways we can't even predict today," said Tom Phillips, general manager of Microsoft's automotive unit. "To me, we're in the infancy in terms of the amount of evolution that's going to occur."
As consumers are growing accustomed to having mobile Internet through their smart phones, more car buyers are seeking connectivity in their vehicles that will allow them to move seamlessly between their digital lives at work and home, panelists said.
Half of the new vehicles sold in the United States are now compatible with MP3 players and 80 percent can connect with wireless Bluetooth headsets, said automotive technology expert John Waraniak, who served as the panel's moderator. iReport.com: Are you attending CES?
General Motors' OnStar service, which can remotely unlock car doors, reduce gas flow to a stolen vehicle or dial 911 if a car is involved in a crash, now has almost 6 million subscribers. Toyota said this week it plans to launch a similar driver-assist program on certain models beginning this summer.
Not to be outdone, Ford's similar Sync system, which now comes standard on many vehicles, is adding voice-activated, on-demand traffic, sports and weather reports, plus GPS-assisted navigation. In a keynote speech Thursday at CES, Ford CEO Alan Mulally said the automaker is learning to think more like an electronics company.
Ford will begin installing its Works Solutions package on its full-size pickups and E-series vans this spring. The dashboard computing system costs $1,195 plus a monthly Web access fee, has a 6-inch touch screen and runs on Windows. It will allow electricians and other contractors to create Excel spreadsheets, print invoices and even access other computers.
"Ford is truly making the office mobile," said Ford product development manager Bill Frykman while demonstrating the system Thursday to reporters in an F-150 parked in a large tent outside the Las Vegas Convention Center. "This bridges the gap between the full laptop and a smart phone."
Meanwhile, an entire hall at CES is devoted to the latest in automotive technology, from portable navigation units to rear-mounted cameras which, with the help of a dashboard screen, allow the driver to see what's immediately behind his vehicle while backing up.
Here's a quick peek at some other automotive technology on display at CES this week:
-- FLIR Systems, Inc. makes a thermal-imaging camera, an option on BMW's 6-series sedans, with a new pedestrian-detection feature. When the camera detects a heat source in the shape of a human being, the on-board computer alerts the driver by highlighting the pedestrian in yellow on the dashboard screen.
-- AT&T's CruiseCast service brings 22 satellite TV channels to your vehicle with the help of a small rooftop antenna, augmented by video-buffering technology that supposedly maintains the signal underneath overpasses and trees.
It will cost $1,299 plus a $28 monthly fee and is being pitched to parents with kids and pre-game tailgaters. "It's an extension of your living room," said Jackie Lapin, a spokeswoman for AT&T.
-- Nervous about handing the car keys to your 16-year-old? The CarChip ($119) plugs into any post-1995 model vehicle and records 300 hours of how the car has been driven, including mileage, speed, braking and acceleration.
Parents can remove the chip, download its data to a computer and use the information to verify driving agreements with their teens. Newer features even let parents set restrictions on their kids' driving.
"If you want to set it at a certain speed -- say, 'I don't want my kid going over 65 mph' -- it'll beep at them until they slow down," said Michael Copeland, sales manager for manufacturer Davis Instruments.
-- Hyundai's latest vehicles can be outfitted with a system that detects when a car is drifting across lanes, then sounds a buzzer or vibrates the wheel to alert the driver. Some Hyundai vehicles also contain ultrasonic sensors that help drivers to park by measuring the distance between a car and other objects.
In fact, the next generation of automotive technology may employ automatic steering and braking systems that relieve drivers of much of the responsibility for, well, driving.
"Maybe 15 years from now, cars will drive themselves. That's certainly a goal some companies have," said Jay James of FLIR Systems. "It's not just 'Jetsons' stuff now. It's really starting to happen."
Some 2,700 exhibitors and 130,000 attendees are in Las Vegas, Nevada, for CES, the nation's largest consumer electronics trade show. The event runs through Sunday.
The 2009 North American International Auto Show follows next week in Detroit, Michigan.
All About Consumer Electronics


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Rackspace Technology's San Jose data center is strategically located in downtown San Jose, California in the heart of Silicon Valley. Rackspace staff specially-trained, highly experienced system and network engineers who actively manage and maintain the facility 24x7x365.
This purpose-built data center features a state-of-the-art network and power infrastructure, is powered by 100% renewable energy, provides direct access to multiple network providers, and is California Category Four earthquake compliant.


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The Human Design System is the next generation of self-knowledge.
It is a user manual for your life.
Sign up and start learning about yourself.
The Human Design System is a logical system that provides a practical tool for self-discovery and correct decision-making.
How your life unfolds depends on the decisions you make. Each decision is critical, taking you along a particular trajectory, ultimately making up the sum total of your life. A right decision keeps you aligned to your path in life.
But how do you make a decision? Through reasoning, working out the pros and cons, and ultimately arriving at a well-reasoned guess? Mental reasoning is an ineffective and unreliable decision-making process that more often than not leads to resistance and regrettable choices. This knowledge reveals the most natural way for you, helping you build a foundation for a life without resistance in which decisions can be made with certainty.
Your BodyGraph (Chart) reveals simple techniques for correct decision-making and is also a concrete map that offers a logical way of seeing your unique and individual nature—an extremely accurate tool for self-knowledge.
myBodyGraph is your user manual. Create your account and explore the free material tailored specifically to your design.
Free access for all, without the need for a myBodyGraph account:
Create unlimited free BodyGraphs.
View chart properties, enjoy the interactive BodyGraph experience, download as image, share across social networks.
Finally, sign up using your own chart or log in to add the BodyGraph to your library.
Read about the Human Design System, its founder Ra Uru Hu, and testimonials on how this system has helped transform people's lives.
For questions related to this site please refer to our FAQ section.
Create a free myBodyGraph account and gain access to:
The Talking BodyGraph is the first interactive Human Design BodyGraph interpretation service.
It provides a step-by-step analysis of a BodyGraph, with instant access to audio and text material.
All audio material is voiced by Ra Uru Hu, the founder and first teacher of the Human Design System.
myBodyGraphs online software is a hub of Human Design features.
Create, save and share unlimited BodyGraphs free of charge.
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Yes I would totally recommend the Human Design System.
I'm not a salesperson but this definitely has been the most accurate, beautiful and rewarding explanation of the world and of us that I have ever found.
In fact, I wasn't looking for it, but when it appeared in my life something inside me stopped searching. At the same time it was something so natural, already present in the deepest part of me that it was like "remembering", like going back home.
In that sense it doesn't need recommendations.
Yes, it's the only science that I have seen so far that shows you who you truly are, and how to make decisions correctly as yourself.
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The Human Design System has helped me understand how I'm designed to operate.
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We have not known how to support each other in being ourselves. Human Design shows us the way.
Human Design System for me is a transparent way, which helps me grasp and recognize my energy, my unique way of operating in the world and literally leads me to happiness and fulfillment in my life.
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Despite the challenges that come with re-aligning my life to my true frequency and trajectory, nothing I have ever done has been this meaningful.
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Yes I would, never have i come across a system that is so accurate and so helpful in helping a person understand who they are and how to make the correct decisions in life through just following their strategy and authority; easy as that.
Definitely, I would.
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I consider the Human Design System a great tool to meet your life purpose and by living it, be in perfect harmony with life.


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Jenna Jambeck, an assistant professor in the College of Engineering, is obsessed with trash.
Her favorite scene in her favorite movie, "Star Wars," involves a trash compactor; she readily admits to having gone dumpster diving for research; and, if that were not enough, she met her husband, Matt Farfour, at a landfill.
"I'm completely and totally fascinated by it," said Jambeck, who studies and teaches environmental engineering with a specialization in solid waste.
What interests Jambeck about trash isn't necessarily the messiness or the smell-although she admits landfill odors wistfully transport her back to some research projects in graduate school at the University of Florida. Instead, Jambeck thrives on the kind of creative problem solving that arises from solid waste management.
When trash is produced, it has to go somewhere. But few people want a landfill smelling up their hometown and even fewer want trash littering the streets, streams and oceans. So in studying solid waste management, environmental engineers look at where waste gets disposed, they look for more effective ways to protect the environment and they look out for people's interests.
It's this overlap of engineering and sociology that fascinates Jambeck.
"Engineers are very technology focused, but I think we cannot ignore the human component," Jambeck said. "In environmental engineering, we're not going to be able to solve our problems just with technology."
Jambeck's current research is a part of a National Center for Ecological Analysis and Synthesis working group-an ambitious project to estimate the amount of plastic waste entering the planet's oceans from land-based sources. The amount, which Jambeck estimates is in the millions of metric tons, could be a call to action to reduce the use of disposable plastics and to improve the infrastructure for waste management.
This collection of plastics in the Earth's oceans belies bigger issues with the worldwide consumer economy, according to Jambeck.
"When people make products, they don't think about what will happen to them when they are thrown away," she said. "I wish they did."
This project builds on Jambeck's previous work investigating marine debris.
In 2011, Jambeck developed the Marine Debris Tracker, a smartphone application that allows citizen-researchers to provide data about where and what kind of trash is found in waterways.
Jambeck also helped create the WeRecycle app, which provides the location of the nearest recycling bin on UGA's campus. Thanks to a partnership with Keep America Beautiful, the app slowly is compiling the locations of bins across the U.S. and even around the world. Both applications are available for free for iOS and Android devices.
These projects have combined Jambeck's innovative spark with her desire to protect and improve environmental sustainability.
Jambeck brings that same sense of innovation to her instruction where she builds assignments around projects that offer real-world experience.
In a second-year environmental design class this semester, Jambeck has given her students an assignment to create environmental engineering for Athens Clarke-County government departments.
One group is looking at possible options for managing household organic waste such as food scraps. The students are examining whether the county should institute a composting program or continue to use traditional landfills.
During one group meeting, students began to grapple with the kind of questions that Jambeck finds so fascinating about waste management.
When discussing the implementation of a compost program, students questioned whether Athens-Clarke residents would be willing to recycle their kitchen scraps.
"How do we convince the public that they have to do this?" asked Matthieu Trunnell, a second-year student from Leesburg.
It's these kind of questions that will occupy the students all semester, just as they have inspired Jambeck's research.
"I love challenging students with problems that don't have an absolute right answer, where there are different ways for them to come up with their design," Jambeck said.


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Located in the heart of Bosnia and Herzegovina (BiH), former Yugoslavia,
Medjugorje is nestled between two hills, Krizevac and Podbrdo. It is home to the parish of St. James which serves the villages of Medjugorje ( Međugorje ), Sivrici ( Sivrići ), Bijakovici ( Bijakovići ), Vionica, Miletina and Surmanci ( Šurmanci ). The name "Medjugorje" in Croatian means "between the mountains". Until the early 1990s, most families survived by raising livestock, growing tobacco and cultivating grapes for wine.
They lived in a state of political repression under the Communist regime of Tito, which began to fall after Tito's death in 1980. As the socialist party slowly disintegrated, Medjugorje drew international attention when six children claimed to see Our Lady and began giving messages to the world from "Our Lady, the Queen of Peace". In 1981, the parish of Saint James was in the hands of a Franciscan priest named Fr. Jozo Zovko. For the first 10 years of the apparitions there was a silent battle waged in Medjugorje between those loyal to the Communist party and avid Catholics. According to the children, Our Lady called for "peace among all men".
In response to the Socialist government of the past, 1990 ushered in a new government in Bosnia and Herzegovina when it installed a coalition government made up of the three largest ethnic groups: the Bosniak Party of Democratic Action, the Serbian Democratic Party and the Croatian Democratic Union. This government aimed to serve as a democratic alternative to socialist power. In October of 1991, BiH declared its sovereignty from Socialist Federal Republic of Yugoslavia, thus the Bosnian war began in March of 1992 and lasted until November of 1995.
Medjugorje was miraculously protected from any damage during the war, although the neighboring villages were destroyed.
Since 1995, life has taken on a different tone and pace with millions of people from around the world making pilgrimages to Medjugorje. Today pansions (for accomodating visitors) and restaurants line the streets, providing work for those who remained in the country during the war.
Source: childrenofmedjugorje.com
Donate to Medjugorje I would like to thank you sincerely for your trust and support on the past of 2015. I wish you and your family and friends a God bless You and a prosperous ,peaceful and most of all healthy all years . Please consider supporting our efforts in Medjugorje. Make your donation to Our Lady's work. Thank You.
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With the help of rogueclassicism:
ante diem xvi kalendas januarias
Saturnalia (day 1) — major, popular festival in honour of Saturn with banquets, the wearing of soft caps (pilei), and general good cheer. Shops and schools were closed, gambling was legally permitted, gifts were exchanged and masters might even wait on their servants. Obviously this festival is often seen as a precursor to our modern-day Christmas celebrations …
246 B.C.E. — the Torah is translated into Greek (obviously not in one day)


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[Pub.62fqO] Download :
Monster Trucks! PDF
by Mark Todd : Monster Trucks!
ISBN : #0544423550 | Date : 2015-03-03
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Shanty Creek Resort in Bellaire has 72 holes of Michigan golf on four unique and distinct championship golf courses. Shanty Creek has been rewarded with a Silver Medal rating from Golf Digest and named "Best Family Golf Resort in the Midwest" by Great Lakes Golf.
In addition to the golf courses, Shanty Creek Resort boasts three distinct villages, two ski mountains, indoor and outdoor pools, a spa and fitness center, four dining options and over 36,000 sq ft of conference facilities.
The Cedar River Golf Course was designed by PGA player and architect, Tom Weiskopf, and has been named one of America's Top 100 resort courses by Golf Week as well being one of Golf Magazine's "Top Ten in the U.S. You Can Play." Designed by "The King" Arnold Palmer, The Legend was given 4½ stars in Golf Digest's "Places to Play Directory."
The Legend, designed by Arnold Palmer, has 600 acres that offer stunning views of Lake Bellaire as well as hilltops and valleys. The Legend was named one of the top four resort courses in the United States by the readers of Golf Magazine.
Warner Bowen designed the Schuss Course to run for 6,922 yards of wetlands, rolling hills and wildlife.
William Diddel designed this Shanty Creek Michigan golf course gem, The Summit, with wide fairways and fast greens, a par 71 with 6,260 yards.
Want to improve your swing? The Shanty Creek Golf Academy offers individual and group lessons for women-only, beginner, intermediate and advanced golfers. Call 866.901.3151 to schedule your next lesson.
Plan your Michigan golf getaway at Shanty Creek Resort, One Shanty Creek Road, Bellaire, Michigan 49615. 800-678-4111. shantycreek.com


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Messrs. John Lee Webster, B. P. Waggener, Chester I. Long, J. W. Gleed, and John L. Hunt for appellants.
Mr. John S. Dawson, Attorney General of Kansas, and Messrs. Fred S. Jackson and G. H. Buckman for appellees.
Mr. Justice Holmes delivered the opinion of the court:
This is a bill to restrain the putting into operation of the Kansas bank depositors' guaranty act, and to have it declared unconstitutional. [228 U.S. 1, 4] It seems to have been filed at about the same time as the bill in Assaria State Bank v. Dolley, 219 U.S. 121 , 55 L. ed. 123, 31 Sup. Ct. Rep. 189, in which case the law was upheld. The main difference between the two suits is that the other was brought by state banks, and this by national banks. The circuit court of appeals held the bill bad on demurrer (32 L.R. A.(N.S.) 1065, 102 C. C. A. 607, 179 Fed. 461); and it was dismissed. A writ of certiorari was denied by this court. 218 U.S. 673 , 54 L. ed. 1205, 31 Sup. Ct. Rep. 223. In view of the decisions in 216 U. S. and in this case below, we shall add comparatively few words.
The ground peculiar to this case is an alleged discrimination against national banks. Allegations in the bill as to the purpose and intent of the statute, of course, are immaterial. They introduce no new facts, and leave the question as it would be without them; namely, whether anything can be discerned in the terms or effect of the act that infringes the plaintiffs' constitutional rights. A good deal of the argument seems to be that the statute will make state banks so attractive to the public that the national banks will suffer. It is replied that experience has not justified the prophecy. But even if it had, there is nothing to hinder the states from permitting a competing business and doing what Kansas has done with intent to make it popular and safe. The national banks are free to come into the scheme. The suggestion that they could not come in and remain national banks is simply a statement of the situation of all competitors. They cannot retain the advantages of their adverse situation and share those of the parties with whom they contend. The statutes of the United States when they do not attempt to prohibit competition with national banks do not forbid competitors to succeed.
The specific discrimination pointed out is that, under the Kansas statutes, the national banks do not share equally with depositors in the assets of an insolvent state bank. The bill alleges that the plaintiffs necessarily have [228 U.S. 1, 5] and make deposits with state banks, and that banks necessarily borrow money from other banks and rediscount paper in other banks, and that the obligation of their contracts will be impaired and they will be deprived of the property without due process of law, contrary to article 1, 10, and the 14th Amendment of the Constitution. The section of the statute specified as having this effect is 4, which contemplates the primary application of the assets of the bank and the double liability of stockholders to depositors. It is replied that the word 'depositors' obviously was used by mistake for 'creditors,' and that the statute was amended by substituting the latter word in 1911. Chap. 62, 1. But, further, the language of the bill and the argument show that the complaint refers to future transactions, not to past. There is nothing sufficient to raise a question as to dealings before the law went into effect. Contracts made after the law was in force, of course, are made subject to it, and impose only such obligations and create only such property as the law permits. Denny v. Bennett, 128 U.S. 489, 494 , 32 S. L. ed. 491, 9 Sup. Ct. Rep. 134; Cross Lake Shooting & Fishing Club v. Louisiana, 224 U.S. 632, 638 , 639 S., 56 L. ed. 924, 927, 928, 32 Sup. Ct. Rep. 577.
The greater part of the bill is taken up with objections to the scheme of the statute, in which the plaintiffs have no concern, and that have been disposed of by the former decision of this court upon the Kansas act. There is nothing in it that calls for further remark.
Decree affirmed.
[ Footnote 1 ] Laws 1909, c. 61.
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I must make an admission at the outset. I've been a fan of Stephen King's novels ever since reading The Shining at age 12 (and not sleeping for a week afterwards). With this in mind, I fully expected to enjoy the Stephen King (S-K) tour offered in Bangor, Maine. What I didn't expect, however, was coming away with a deeper understanding of King the person, apart from King the author.
Located approximately two hours drive south of the Canadian border, Bangor (Derry in the books) has been the setting for several supernatural and horrific events in King's novels. Everything from killer clowns that lure children down storm drains to coffee shops with time travelling doorways can be found there.
In reality, Bangor is a scenic hamlet of just over 30,000, with another 120,000 people in the surrounding area. Nestled between the hillsides of northern Maine and the Atlantic coast, the city is home to a small but active Jewish community. Its most famous resident, however, is noted horror writer Stephen King, who has lived in the area for most of his life.
The S-K Tour is run by lifelong Bangor resident Stu Tinker (whose name even sounds like a King character). The tour, offered year round, is driven and narrated by Tinker, who by his own admission is a King family friend. Regaled by stories of "Steve and Tabby" (King's wife Tabitha), tourists are taken to the locales made famous in King's novels.
Staying downstate in Ogunquit, I initially wasn't sure the two-hour trek north to Bangor for the tour would be worth the drive. When Tinker told us to meet him at a highway Park 'n Ride, it eerily felt like the beginning of a new King novel in which we were to be the victims.
In reality, however, the four-hour narrated tour is a dream come true for any King fan. Tinker began by taking us to the Mount Hope Cemetery. Situated next to Congregation Beth Israel cemetery, Mount Hope was used for the filming of the movie Pet Sematary. The creepy 18th and 19th century headstones inspired several King novels.
Adjacent to the cemetery is R.M. Flagg Restaurant Equipment. Did you ever wonder where King's villain Randall Flagg got his name? King would routinely take his daily several hours long walk around Bangor and pass this store. And no, no one in the store is named Randall.
Any avowed fan of King's novels would be thrilled to visit the Thomas Hill Standpipe on Jackson Street. Built in 1897, this water tower plays a central role in the King novel IT when the bodies of numerous drowned victims are found in it. For months on end, King would sit on a park bench nearby writing the tale of a murderous demon killing local schoolchildren.
If visiting the storm drain and the Barrens aren't enough, Tinker takes his visitors to see the Kitchener Ironworks, Canal and 37-foot-tall Paul Bunyan statue from IT. Along the way, you'll pass Kossuth Street, featured in the novel 11/22/63.
Late in the afternoon of June 19, 1999, King was hit by a van while walking on the shoulder of a local highway. Tinker, along with the rest of Bangor, rallied around its most famous resident. The driver of the van, Bryan Smith, was a drifter who previously had his licence suspended for unsafe driving. While hovering between life and death, King reportedly told a nurse that he had "been killed by one of his characters," before slipping into a coma.
Eventually King recovered from his injuries following years of rehabilitation. As if written by King himself, the 43-year-old driver died suddenly in his mobile home on King's birthday two years later. There were no signs of violence or trauma.
The highlight of the tour is a visit to King's home. The nearly 5,000-sq.-foot house, that includes an indoor swimming pool, was built in 1858. The house's creepy Victorian architecture is matched by the bat and gargoyle fencing the Kings added. Built on one acre of land, the house is visited by thousands of King fans every year.
The Kings have donated tremendously to their local community since first settling in Bangor in 1980. From rebuilding the city's Central Library, to funding a state of the art Little League field, "Steve and Tabby" have contributed much of their time and financial resources to Bangor institutions.
Whether or not you're a fan of his novels, the Stephen King tour makes for a fascinating insight into one of the most prolific horror writers of our time.
Michael Stavsky acknowledges the assistance of the Visit Maine State Tourism Board and the Ogunquit River Inn in arranging his family's visit.


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Environmental science is a course that offers a huge variety of topics for research papers and presentations. The list provided here has been specifically crafted for student topics in an introduction to environmental science course, but certainly could apply to many other classes as well. The research topics are organized according to specific units in the course. Each environmental science research topic has been paired with a documentary, mass-market book, or research publication providing a detailed analysis of the issue. Click on the unit to see the research topics available and suggestions for sources.
Amazon Deforestation
Sources: Planet Earth - Jungles [Video]
Deforesting the Earth: From Prehistory to Global Crisis, Chapter 11.
Summary: The Amazon is 5.7 million square kilometers and the largest continuous rainforest in the entire world. Since 1970, 1/6 of the Amazon has been cleared, mainly for beef, and increasingly for ethanol production. While techniques such as slash-and-burn provide a short-term boost in agricultural production, rainforest soil typically is very thin and does not support this type of agriculture over the long term.
The Black Rat - A Worldwide Invasive Species
Sources: Rat Island: Predators in Paradise
Summary: The Rattus Rattus, or black rat, is one of the first and most widespread invasive species. It is native to India, but it has spread to almost everywhere in the world. This rat has directly caused, or contributed to, the extinction of multiple wildlife species including a variety of birds, plants and other small mammals. They're blamed for the incredible decline in seabirds on several islands, including many Pacific island species. Additionally, the rats are indirectly the cause of the spread of the Bubonic plague throughout Europe during the Middle Ages.
Easter Island Deforestation
Sources: Collapse: How Societies Choose to Succeed or Fail, Chapter 2.
Summary: Easter Island is most famous for the large moai, or statues with disproportionately large heads. The presence of these statues seems to indicate a renaissance-like period for the native people. However, in 1722, a Dutch explorer made contact with the inhabitants of the island. He described the island as barren, with virtually no trees and minimal agriculture. The inhabitants seemed to be struggling to survive. By the time Captain Cook arrived in 1774, many of the statues had been toppled and the population had dropped to 630.
Coral Reef Destruction
Sources: Blue Planet - Coral Seas [Video]
A Reef in Time: The Great Barrier Reef from Beginning to End;
Chapters 2-4, 13-16.
Summary: Of all the marine ecosystems, coral reefs have the greatest concentration of biodiversity. These rich and complex ecosystems are also among the most at risk. The Great Barrier Reef in Australia has been predicted to be functionally extinct by 2050. While some of this destruction is due to tourism and poaching, there are also links to global warming and its effects on the ocean – from temperature increases to change in water pH levels.


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Three killed in Boston blasts; feds seek suspects, motives
FBI agents searched a suburban Boston apartment overnight and appealed to the public for amateur video and photos that might yield clues to who carried out the Boston Marathon bombing, while a doctor treating the wounded said one of the victims was maimed by what looked like ball bearings or BBs.Posted — Updated
- Two explosions rang out about 2:50 p.m. near the finish line of the Boston Marathon.
- More than 27,000 people competed in the race, and thousands more were out on the streets to cheer them on.
- Boston Police say three people are dead and more than 140 wounded. An AP source says an 8-year-old boy is among the dead.
- At least one other bomb was discovered by police and disarmed.
- A surveillance image showed a person carrying two backpacks near the site of the blasts.
- Authorities have not identified any claim of responsibility. They have no suspects.
- One man, who was seen running from the blasts and was then tackled by a bystander, is in police custody for questioning. He has been cooperative with investigators and is not considered a suspect, police said.
- Authorities served a warrant late Monday on a home in a suburban Boston neighborhood.
- There was a fire at the JFK library that police have said is not related.
- Security has been stepped up in other major East Coast cities.
- Google established a website to help people find their loved ones
- Telephone number to locate victims: 617-635-4500
- Telephone number for tips: 1-800-494-TIPS
FBI agents searched a suburban Boston apartment overnight and appealed to the public for amateur video and photos that might yield clues to who carried out the Boston Marathon bombing, while a doctor treating the wounded said one of the victims was maimed by what looked like ball bearings or BBs.
Two bombs blew up seconds apart Monday at the finish line of one of the world's most storied races, tearing off limbs and leaving the streets spattered with blood and strewn with broken glass. Three people were killed, including an 8-year-old boy, and more than 140 were wounded.
Federal investigators said no one had claimed responsibility for the bombings on one of the city's biggest civic holidays, Patriots Day. But the blasts raised the specter of another terrorist attack on U.S. soil.
President Barack Obama was careful not to use the words "terror" or "terrorism" as he spoke at the White House on Monday, but an administration official said the bombings were being treated as an act of terrorism.
"We will find out who did this. We'll find out why they did this," the president said. "Any responsible individuals, any responsible groups, will feel the full weight of justice."
Across the U.S., from Washington to Los Angeles, police tightened security, monitoring landmarks, government buildings, transit hubs and sporting events.
The FBI took charge of the investigation, converging on a home in the suburb of Revere on Monday night and appealing for any video, audio and photos taken by marathon spectators. Authorities gave no details on the search. Investigators were seen leaving a building there early Tuesday carrying brown paper bags, plastic trash bags and a duffel bag.
Investigators refused to give any specifics on the bombs and say, for example, where they might have been hidden or whether they were packed with shrapnel for maximum carnage, as is often the case in terror bombings overseas.
But Dr. Stephen Epstein of the emergency medicine department at Beth Israel Deaconess Medical Center said he saw an X-ray of one victim's leg that had "what appears to be small, uniform, round objects throughout it — similar in the appearance to BBs." He said it remained to be determined what exactly the objects were.
A European security official said Tuesday initial evidence indicates that the attacks were not the work of suicide bombers.
"So far, investigators believe it was not the work of suicide bombers, but it is still too early to rule it out completely," said the official, who spoke from the United States on condition of anonymity because he was not authorized to speak about the U.S. investigation.
The Pakistani Taliban, which has threatened attacks in the United States because of its support for the Pakistani government, on Tuesday denied any role in the bombings.
The fiery explosions took place about 10 seconds and about 100 yards apart, knocking spectators and at least one runner off their feet, shattering windows and sending columns of smoke rising over the street. Victims lost limbs and suffered broken bones, shrapnel wounds and ruptured eardrums.
Roupen Bastajian, a state trooper from Smithfield, R.I., had just finished the race when he heard the explosions.
"I started running toward the blast. And there were people all over the floor," he said. "We started grabbing tourniquets and started tying legs. A lot of people amputated. ... At least 25 to 30 people have at least one leg missing, or an ankle missing, or two legs missing."
At Massachusetts General Hospital, Alasdair Conn, chief of emergency services, said: "This is something I've never seen in my 25 years here ... this amount of carnage in the civilian population. This is what we expect from war."
As many as two unexploded bombs were found near the end of the 26.2-mile course as part of what appeared to be a well-coordinated attack, but they were safely disarmed, according to a senior U.S. intelligence official, who spoke on condition of anonymity because of the continuing investigation.
An 8-year-old boy was among the dead, according to a person who talked to a friend of the family and spoke on condition of anonymity. The person said the boy's mother and sister were also injured as they waited for his father to finish the race.
Hospitals reported at least 144 people injured, at least 17 of them critically. At least eight children were being treated at hospitals.
Tim Davey of Richmond, Va., was with his wife, Lisa, and children near a medical tent that had been set up to care for fatigued runners when the injured began arriving. "They just started bringing people in with no limbs," he said.
"Most everybody was conscious," Lisa Davey said. "They were very dazed."
The Boston Marathon is one of the world's oldest and most prestigious races and about 23,000 runners participated. Most of them had crossed the finish line by the time the bombs exploded, but thousands more were still completing the course.
The attack may have been timed for maximum bloodshed: The four-hour mark is typically a crowded time near the finish line because of the slow-but-steady recreational runners completing the race and because of all the friends and relatives clustered around to cheer them on.
Boston Police Commissioner Edward Davis said authorities had received "no specific intelligence that anything was going to happen" at the race.
"We still don't know who did this or why," Obama said at the White House, adding, "Make no mistake: We will get to the bottom of this."
With scant official information to guide them, members of Congress said there was little or no doubt it was an act of terrorism.
"We just don't know whether it's foreign or domestic," said Rep. Michael McCaul, R-Texas, chairman of the House Committee on Homeland Security.
A few miles away from the finish line and around the same time, a fire broke out at the John F. Kennedy Library. The police commissioner said that it may have been caused by an incendiary device but that it was not clear whether it was related to the bombings.
The race winds up near Copley Square, not far from the landmark Prudential Center and the Boston Public Library. It is held on Patriots Day, which commemorates the first battles of the American Revolution, at Concord and Lexington in 1775.
The first explosion occurred on the north side of Boylston Street, just before the finish line, and some people initially thought it was a celebratory cannon blast. When the second bomb went off, spectators' cheers turned to screams.
Runners in the medical tent for treatment of dehydration or other race-related ills were pushed out to make room for victims of the bombing.
A woman who was a few feet from the second bomb, Brighid Wall, 35, of Duxbury, said that when it exploded, runners and spectators froze, unsure of what to do. Her husband threw their children to the ground, lay on top of them and another man lay on top of them and said, "Don't get up, don't get up."
After a minute or so without another explosion, Wall said, she and her family headed to a Starbucks and out the back door through an alley. Around them, the windows of the bars and restaurants were blown out.
She said she saw six to eight people bleeding profusely, including one man who was kneeling, dazed, with blood trickling down his head. Another person was on the ground covered in blood and not moving.
"My ears are zinging. Their ears are zinging," Wall said. "It was so forceful. It knocked us to the ground."
Associated Press writers Jay Lindsay, Steve LeBlanc, Bridget Murphy, Rodrique Ngowi and Meghan Barr in Boston; Julie Pace, Lara Jakes and Eileen Sullivan in Washington; Paisley Dodds in London and Marilynn Marchione in Milwaukee contributed to this report.
• Credits
Copyright 2023 by Capitol Broadcasting Company. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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You may not find too many restaurant chefs plopping their poultry on cans of PBR, but all those tailgaters and beachside grillers are on to something.
There are solid scientific reasons that chicken really does roast better in a more upright, lifelike pose than when it is flat on its soggy back. And by adding a couple of extra prep steps to the technique and taking your care with the temperature, you can get the best of both worlds: succulent, juicy meat and crispy, golden brown skin.
On top of all that, you get to drink the beer! The chicken doesn't actually need it.
Beer-can chicken recipes are everywhere on the Internet, but most of them don't address the two biggest challenges of roasting poultry. The first is to avoid overcooking the meat. Nothing is more disappointing at a Labor Day cookout than to bite into a beautiful-looking chicken breast only to end up with a mouthful of woody fiber that seems to suck the saliva right out of your glands.
The solution to this first challenge is simple: take your time, measure the temperature correctly and frequently, and choose the right target for the core temperature (as measured at the deepest, densest part of the thigh). When you cook the bird slowly, the heat has more time to kill any nasty bacteria living in the food, so you don't have to cook the heck the out of thing.
The federal government recommends bringing the meat to 165 F for at least 15 seconds. But guidelines issued by the USDA's Food Safety and Inspection Service show that 35 minutes at 140 F achieves the same degree of pasteurization, even in the fattiest chicken.
The recipe below calls for several hours in the oven and a core temperature of 145 F to 150 F, which will meet those guidelines as long as you slow-cook the bird at a low temperature. But be sure you use a reliable, oven-safe thermometer and place it properly as directed in the recipe. The tip shouldn't be touching or near any bone.
The second challenge that most beer-can chicken recipes fail to overcome is crisping the skin. Here, liquid is the enemy, and adding additional liquid in the form of a can full of beer is the wrong approach. So empty the can first — the specifics of that will be left as an exercise for the reader— and use the empty can merely as a way to prop up the bird and to block airflow in its interior so that the meat doesn't dry out.
Also, give the skin some breathing room by running your (carefully washed) fingers underneath it before roasting. As the subdermal fat melts away, it will trickle downward; a few well-placed punctures provide exits without compromising the balloon-like ability of the skin to puff outward under steam pressure. Held apart from the juicy meat, the loose skin will dry as it browns, especially during a final short blast of high heat in a hot oven.
Done right, each slice of tender meat will be capped with a strip of wonderfully flavored skin, which will be at its crispiest when it emerges from the oven. So have your table ready, and don't be slow with the carving knife. But do take a moment to remove the can before you tuck in.


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Revista Española de Salud Pública
On-line version ISSN 2173-9110Print version ISSN 1135-5727
GARCIA GOMEZ, Montserrat; URBANOS GARRIDO, Rosa; CASTANEDA LOPEZ, Rosario and LOPEZ MENDUINA, Patricia. Direct Health Care Costs of Lung and Bladder Cancer Attributable to Work. Spain, 2008. Rev. Esp. Salud Publica [online]. 2012, vol.86, n.2, pp.127-138. ISSN 2173-9110.
Background: The lack of recognition of the occupational etiology of some malignant tumors implies that the cost of their health care rests in the National Health System. The aim of our study is to estimate the job-related lung and bladder cancer in Spain in 2008 treated by the National Health System (NHS), as well as the medical costs derived from its treatment in the same year. Methods: Literature estimates of Attributable Fractions due to work were used to estimate the job-related cases treated. Medical costs for specialised care (outpatient and hospital admissions) are derived from the NHS cost accounts. Costs due to primary health care and pharmaceutical benefits are obtained from secondary sources. Figures were computed according to disease and sex. Results: A total of 10,652 NHS hospital discharges in 2008 were due to lung cancer and bladder cancer attributable to work (only 16 were recognized as professional the same year). The treatment of these cases cost to the NHS in 2008 almost 88 million euros, of which 61.2 million belong to lung cancer and 26.5 to the bladder. Conclusions: The magnitude of lung and bladder cancer attributable to work in Spain is much higher than reflected in the official Registry of Occupational Diseases. It should be recognized as professional to activate appropriate prevention policies. The related health care expenditure, which is financed by the NHS, is quite significant.
Keywords : Occupational cancer; Attributable risk; Cost of illness; Health Care costs; Costs and cost analysis; Occupational diseases.


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Today, the court upheld Marissa Alexander's bond release, which means she is allowed to continue her house arrest and remain with her children and family until her new trial begins on March 31st. State Prosecutor Angela Corey filed a motion alleging that Alexander broke the conditions of her release by making unauthorized trips outside her home. Yet, Alexander's legal team presented proof that the Correctional Service Counselor who supervised Alexander's house arrest authorized every trip listed in the State's motion and the Counselor asserts that Alexander is not in violation of her release. Haters gon' hate.
Must Read: Women Have Recovered After The Recession Better Than Men
Free Marissa Now member, Aleta Alston-Toure', said, "While we are relieved that Corey's motion was denied, we must ask the question, why is Angela Corey targeting rather than supporting Marissa Alexander, a victim of domestic violence who defended her life after her husband strangled her and threatened to have her killed?" In 2010, Marissa Alexander fired a warning shot to defend her life during an attack from her abusive estranged husband, causing no injuries. Yet, Corey prosecuted Alexander, who was found guilty and sentenced to a mandatory minimum of 20 years. That verdict has since been overturned and there is a new trial scheduled to begin on March 31st.
Alston-Toure' added, "Instead of being an ally to Alexander, the state continues to abuse her, including threatening to keep her from her children, minimizing the violence she experienced, making false accusations, and suggesting that her life is not worth saving. Corey has taken advantage of every opportunity to undermine Alexander's credibility and criminalize her character in an attempt to sway public opinion before Alexander's new trial. Corey uses these manipulative media strategies to try to distract the public from the fact that her case has no actual merit. The court should limit the use of smear tactics ahead of a trial."
Corey's actions are rallying the growing movement of people in Jacksonville and all over the world who stand with Marissa Alexander. "Supporters will not be intimidated by Corey's desperate tactics and will continue to demand that this extreme harassment by Angela Corey's office cease and the case against Marissa Alexander be dropped immediately. We are more committed than ever," said Alston-Toure.
The movement has raised over $22,000 from hundreds of donors who donated to Marissa Alexander's legal defense fund with love and solidarity.
Free Marissa Now encourages supporters everywhere to continue to donate to her legal defense fund to ensure that her acquittal is finally won.
Free Marissa Now Mobilization Campaign is a national grassroots campaign led by a core of organizers representing the African American/Black Women's Cultural Alliance, New Jim Crow Movement – Jacksonville, Radical Women, INCITE!, and the Pacific Northwest Alliance to Free Marissa Alexander. For more information, see http://www.FreeMarissaNow.org.
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This unit is designed for private residences and small commercial applications. It offers many of the benefits of a large gate opener in a compact form.
Hydraulic swing gate operators are inherently safer than other types of operators because they have fewer "pinch points." In addition, 422 operators are equipped with a hydraulic bypass valve for extra entrapment protection and a manual release that allows you to operate your gate if there is a power failure. A battery back-up unit is also available.
The 422 system can hydraulically lock the gate in your choice of the opened and/or closed positions, and can be set up to allow your gate system to provide special options including "gate-safe" or "gate-secure" configurations.
The versatile FAAC control panel allows for six operating modes including garage-door-like operation and a new HOLD OPEN function. The 422 can be mounted inside the gate and still allow the gate to open to the inside or to the outside. All FAAC operators can be finished to blend with the gate.
|Product Info
|Kit Includes
|FAAC 422 CBAC Dual Gate Opener Kit Includes: 1qty Prewired Fiberglass Enclosure 1qty 455D Control Board 2qty 422 CBAC Operators 1qty Radio Receiver 2qty Remote Controls 1qty Pair of Safety Beams Installation Support Lifetime Technical Support
|Features FAAC Model 422 features include: Designed for demanding single family residential use Can move a 900 pound gate leaf 90 degrees in 12 seconds Hydraulic locking in the opened and/or closed positions A convenient manual release is standard A battery back-up unit is available A high-speed version of the 422 is available for pedestrian gates FAAC Model 422 Kit includes: One or two hydraulic gate operators with mounting hardware One 455 D control panel One 14 x 16 in. weather resistant UL Listed fiberglass enclosure One photobeam set for opening and closing reversing devices One or two manual release keys One plug-in radio receiver Two radio transmitters 115 VAC receptacle for accessories (5 amp max.) ON/OFF switch controlling power to control panel, accessories and plug outlet Large pre-wired terminals for easy wiring to control panel Test button
|Quick Specs Max Leaf Length 10 ft Max Leaf Weight 900 lbs Cycles per Hour 30 Maximum Gate Swing 90 Degrees Opening Time 12 seconds


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Composting Toilets Garden Composters
Sun-Mar Composting Toilets
Sun-Mar toilets are the safest and most environmentally friendly method of waste treatment. These composting toilets evaporate liquids and compost the solids, so on most models there is absolutely no output and no contamination of ground water. Sun-Mar composting toilets have saved over 3.3 billion gallons of water and counting!
Sun-Mar is a world leader in composting toilet technology with a unique, patented Bio-drum™ design that means fast, odor-free composting. Sun-Mar toilets are the only ones certified by NSF to NSF/ANSI Standard #41 for residential and cottage use (most regulators require NSF certification). They're designed so air is constantly being drawn in and up the vent stack providing odor-free operation. Sun-Mar's unique 3 chamber technology means easy operation and maintenance.
They are an ideal solution...
• Where it's not possible or cost-effective to install a conventional toilet
• As an environmentally friendly alternative
• For homes, garages, warehouses, barns, pool cabanas, cabins, mines, RV's, boats, and other locations
What is Composting?
Composting converts organic matter back to its essential minerals. Aerobic microbes do this in the presence of moisture and air, by converting carbon to carbon dioxide gas, and hydrogen to water vapor. As a result, some 95% of the starting material is evaporated and the resulting compost is recycled back to nature.
General Benefits
• No Plumbing
• No Water
• Odor-Free
• Inexpensive Solution
Environmental Benefits
• No Pollution
• Save Water
• Recycle Nutrients
• Little or No Liquid Output
3 Easy Steps to determine Which Model is right for me?
Step 1: Self-Contained vs. Central Units
Self-Contained Units
Self-Contained units are installed directly in the bathroom.
Main Features:
• Quick and easy to install
• Waterless – no plumbing required
• Electrical units can evaporate all liquids under normal conditions
• Easy to clean having a durable shiny contoured finish
Central Units
Central units have a conventional looking toilet in the bathroom and a separate composting unit. They are available in two styles - low water flush and A/F waterless.
Low water style systems:
• Feature a conventional looking toilet in the bathroom
• Can be connected to multiple bathrooms
Waterless style systems (A/F kit required):
• Feature a conventional looking toilet in the bathroom
• No plumbing necessary
Step 2: Electric vs. Non-Electric
Electric Units
Select an electric composting toilet if you have a standard electricity supply. These units feature high quality fans and thermostatically controlled heaters.
Non-Electric Units
Select these if you have no power or are using alternative energy. These toilets feature a higher capacity ventilation stack.
Dual Voltage
Select the AC/DC Kit if you require the option of operating in a standard electric mode (115 Volt) or with only a 12 Volt 1.4 fan or with no power at all.
Step 3: Capacity
Select a toilet based on the right capacity for your needs. Although advertised capacities can be doubled for short periods, selecting a toilet with the maximum number of users in mind in recommended. Sun-Mar offers units with capacities ranging from 1 adult to 6 adults (or a family of 8).
All Our Sun-Mar Composting Toilet Models
Self-Contained Units
Excel (Features a detachable footrest)
High Capacity Electric Unit
Composting Capacity
Residential/Continuous: 3 Adults or Family of 5
Weekend/Vacation: 6 Adults or Family of 8
Voltage: 115V, 230V, or AC/DC option*
Color Options: White (shown) or Bone
Excel NE (Features a detachable footrest)
High Capacity Non-Electric Unit
Composting Capacity
Residential/Continuous: 2 Adults or Family of 3
Weekend/Vacation: 5 Adults or Family of 7
Voltage: N/A
Color Options: White or Bone (shown)
Medium Capacity Electric Unit
Composting Capacity
Residential/Continuous: 1 Adult
Weekend/Vacation: 3 Adults or Family of 4
Voltage: 115V or 230V
Color Options: White (shown) or Bone
SpaceSaver (Features a detachable footrest)
Medium Capacity Electric Unit
Composting Capacity
Residential/Continuous: 1 Adult
Weekend/Vacation: 3 Adults or Family of 4
Voltage: 115V or 230V
Color Options: White (shown)
Medium Capacity Electric Unit
Composting Capacity
Residential/Continuous: 1 Adult
Weekend/Vacation: 3 Adults or Family of 4
Voltage: 115V, 230V, or 12V
Color Options: Bone (shown)
Sun-Mar Mobile is designed for use on boats and RVs. It eliminates the need for pump outs. The Mobile is engineered to accommodate motion with mounting brackets, a sealed finishing drawer and fold up footrest. The Mobile includes an air filtration kit for odor-free deck level venting on boats.
Central Units
Centrex 1000 Series
Regular Capacity Electric Unit
Composting Capacity
Residential/Continuous: N/A
Weekend/Vacation: 5 Adults or Family of 7
(Capacity reduced by 1 person for non electric model)
Voltage: 115V, 230V, or Non-Electric or AC/DC option*
Water: Ultra Low Water Flush
Centrex 2000 Series
High Capacity Electric Unit
Composting Capacity
Residential/Continuous: 4 Adults or Family of 6
Weekend/Vacation: 7 Adults or Family of 9
(Capacity reduced by 1 person for non electric model)
Voltage: 115V, 230V, or Non-Electric or AC/DC option*
Water: Ultra Low Water Flush or A/F Waterless Option*†
Centrex 3000 Series
High Capacity Electric Unit
Composting Capacity
Residential/Continuous: 6 Adults or Family of 8
Weekend/Vacation: 9 Adults or Family of 11
(Capacity reduced by 1 person for non electric model)
Voltage: 115V, 230V, or Non-Electric or AC/DC option*
Water: Ultra Low Water Flush or A/F Waterless Option*†
Incorporates Autoflow® technology (automatic discharge of compost to a separate collection chamber)
Centrex System Toilet Options
Ultra Low Flush Toilets (Model 510)
Using roughly one pint of water per flush, this porcelain ultra low flush toilet provides the look of conventional toilet with minimizing water usage. Several toilets can be installed to a single Centrex unit. Where additional height is required for the toilet to gravity feed to the composting unit, a low profile Model 511 is offered. Available in white or bone (shown) colors.
CENTREX A/F Waterless Toilet
The A/F waterless toilet offers features similar to a conventional toilet. Available in white (shown) or bone colors and regular sized seat, this toilet is used with a Centrex 2000 or Centrex 3000 unit configured for waterless use. Centrex A/F toilets are connected directly above a Centrex unit.
*Kit Required †Contact Sun-Mar for A/F capacity ratings
Sun-Mar units are designed for easy installation!
All Units Include:
• Vent kit
• Warranty card
• Owner operating and care manual
• Starting accessories including Compost Sure bulking agent
• Compost Quick enzyme for cleaning and accelerating composting and Microbe Mix bacteria
View and download a Sun-Mar Composting Toilet Brochure here (more information and specifications inside).
Sun-Mar Garden Composters
Patented Double Drum Composters with Autoflow
Available in two sizes:
• Sun-Mar 200
• Sun-Mar 400
Sun-Mar 200
The SUN-MAR 200 is a continuous composter with a 6 bushel (50 gal.) capacity, excellent for composting kitchen scraps and a few cut up garden trimmings.
200 Garden Composter Specifications:
Height: 31"
Overall Length: 331.2"
Depth: 24"
Product Weight: 38 lbs
Sun-Mar 400
The SUN-MAR 400 is a continuous composter with an 11 bushel (100 gal.) capacity (almost twice the size of the 200), excellent for composting kitchen scraps and cut-up materials from small gardens.
400 Garden Composter Specifications:
Height: 36"
Overall Length: 42"
Depth: 28"
Product Weight: 60 lbs
Why Compost?
A SUN-MAR Garden Composter is a gardener's dream. You know that by recycling you are doing the right thing, and it's fun to produce your own compost effortlessly.
Benefits of Composting Your Kitchen and Yard Waste Include:
- Healthier plants, because of the improved soil structure and additional nutrients in the compost
- Reduced waste disposal costs
- FREE source of fertilizer
- Reduced water bills, because soil mixed with
compost retains water better than regular soil
Four Reasons You'll Enjoy Using Our Sun-Mar Composters:
- You'll be creating first class
compost material
- You'll send less waste to the dump
- You'll have easy to use,
top-of-the line equipment
- Less likely to be bothered by pests
Composting the SUN-MAR way
Keep the compost moist and oxygenated.
This means rotating the drum regularly to add oxygen, and adding water when the compost gets dry.
Aim for the right carbon/nitrogen ratio.
Adding a mixture of kitchen and regular yard waste is effective, but for better, faster results, add carbon-rich material (browns) like sawdust, straw, dry leaves, or wood chips. These balance the nitrogen-rich green material and kitchen waste. Chop up the waste if possible: the smaller it is, the faster the breakdown process.
Keep the compost warm.
This is not usually a concern because the compost in the drum and the drum's insulating properties keep the heat in.
If you use only kitchen waste, you may need to add bulking material or pre-composted material to help with oxygen penetration as the drum rotates.
View and download a Sun-Mar Garden Composter Brochure here.
View and download a brochure for Sun-Mar Garden Composter Accessories here.


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It's kind of a nerdy question, but it always seems to come up. You'll be hanging out with a few friends and someone will ask, "If you could have any superpower you wanted, what would it be?" Most people can't answer right away because there's so many to choose from. But not me. I know exactly what I'd pick, hands down, every time: invisibility.
Just think about invisibility for a second. No one can see you. You're there but not there. You could be in the same room with someone, standing inches away, and they wouldn't realize it. Sure, they could reach out and touch you if they wanted—but why would they? They wouldn't know you were there! Heck, an invisible person could be watching me this very second, and if not for the fact that my super hearing allows me to detect a heartbeat anywhere in the world, I'd have no way of knowing.
Go stand in front of a mirror. Now, imagine there's no one looking back at you. Or what it would be like if you held your hands directly in front of your face and saw nothing but the wall on the other side of the room. That's impossible, right? That simply does not happen!
Invisibility would definitely blow people's minds. I could be holding a 50-ton tanker truck above my head, and it would look like it's just floating there, in total defiance of the laws of physics. Or I could put out a fire at an oil refinery with my super-cold breath, but no one would see me expel the subzero, hurricane-force winds from my lungs—to them it would be this miraculous gust of arctic air blowing in from absolutely nowhere.
Can you imagine what it's like to fly over a crowd of people and not have a single one of them look up and point at you? What could be more amazing than that?
There I am, floating invisibly outside Brainiac's spaceship. I can use my X-ray vision to make out every last detail of his evildoing, yet he's completely oblivious. His sensors detect something, of course, but he's sure they're malfunctioning because by all appearances there isn't anything out there. And later, when I nudge the earth from its orbit just enough to avoid his apocalypse beam, he never knows how I discovered his plan. He probably wouldn't believe me if I told him!
Yeah, invisibility is the best superpower, without a doubt. I honestly don't know why people even have this discussion.
The only downside to invisibility I can think of—and I've given this a lot of thought—is how tempting it would be to abuse it. For instance, it would be very easy to rob a bank. I could just stand in the lobby, totally unnoticed by anyone, and wait until everyone went home for the evening. Then, with the whole building to myself, I could simply walk up, rip the vault door off its hinges, and fill my money bags at the speed of light. If the police somehow arrived before I finished, I wouldn't have to worry about being arrested, because I could stroll right past them.
Which isn't to say I wouldn't want to be invisible. But with power like that, I'd just need to be very, very careful.
In any case, I realize it's a silly fantasy. It's never going to happen. If someone wants to shoot me, all they have to do is spot me on the street, aim, and pull the trigger, and if the bullet is going fast enough to hit me, it'll bounce off my chest in full view of everyone.
That's how it's always going to be. There's no getting around the limitations of the real world. It's fun to ponder, though. Come to think of it, it'd also be cool to have an elastic body and be able to stretch my arms and legs 20 feet or something. That'd be amazing.
Can you imagine?


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Grosvenor's Tredwell joins PCL developer
Grosvenor Estate alumnus Mark Tredwell has joined luxury property developer REDD as Head of Development, as the firm looks to raise £200m to expand its prime resi pipeline.
Kier's Prongué joins Apex as COO
A second Kier Group heavyweight has joined specialist airspace developer Apex.
Luxury developer gears up for £100m 'rare & unique' PCL acquisition drive
PCL Property Group is looking to capitalise on 'all-time-high' demand for turn-key stock across the golden postcodes.
Former Transport Secretary & London Mayoral candidate joins start-up property developer as Chairman
Steven Norris is now Independent Non-Exec Chairman at Cambridgeshire-based residential development firm This Land™
Companies in this articleREDD
Most read
Savills star Sarah Peck joins UK Sotheby's International Realty
The luxury estate agency is assembling a stellar team as it embarks on a 'new era' under its new owner.
'Disruptive' country property agency hits £220mn in sales
Andrew Russell & Ben Bentley's independent firm, The Country House Department, is on course for a 'record' year following a number of big-ticket deals.
RIB recruits top Sotheby's agent in 'significant' prime resi push
Longstanding independent firm ramps up resi division with recruitment of high-profile broker & star of Britain's Most Expensive Houses as head of sales.
Knight Frank expands super-prime lettings team
Property firm adds new faces to its top-tier lettings teams in Prime Central London and in South West London & the Home Counties
Buyer sought for 'exceptional' Chelsea development site
Freehold swathe on sought-after Tite Street has scope for a significant prime resi scheme.
London property consultancy recruits director of private clients
Hamish Bruce has joined Inhous following stints at Marsh & Parsons and Black Brick.
Boutique branded resi scheme in Chelsea tops out
Apartments at The Lucan - London's first standalone Autograph Collection Residences - will come with a suite of five-star services laid on by luxury hotelier Marriott.
Valouran tees up £120mn luxury resi scheme on Billionaires' Row
Alex Michelin & Matthew Robertson's new development firm announces plans to deliver a 30-unit scheme on The Bishops Avenue, just weeks after embarking on a top-end project in St John's Wood.
In Pictures: 'Wild-luxury' scheme in Dubai aims to 'define the next generation of 21st century buildings'
European developer's 'holistic' waterfront project has been inspired by the Banyan tree and will feature thousands of crystals to 'eliminate any negative energy'.
Valouran tees up £120mn luxury resi scheme on Billionaires' Row
Alex Michelin & Matthew Robertson's new development firm announces plans to deliver a 30-unit scheme on The Bishops Avenue, just weeks after embarking on a top-end project in St John's Wood.
Jo Eccles: The autumn market is gathering momentum
Buyer confidence has been boosted by a number of factors over the last few weeks, and enquiries levels are back up to last year's levels, reports Eccord's MD.
By Jo Eccles
RICS launches 'manifesto for the built environment' ahead of General Election
The RICS says it is its "duty to advocate policies that provide solutions to some of the most important challenges of our time."
Global house prices tick up as interest rates look peaky
'The rapid approach of peak rates is coinciding with a modest improvement in housing market conditions in some key global markets,' says Knight Frank.


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Last week I found a beveled glass mirror at the local thrift store for $8. It was the perfect size for my daughter's bedroom. The only problem was that it was oak. All it took to transform it was just some sanding, a bit of primer, and some white spray paint.
Here's the Before and After:
There are two schools of thought on painting oak. The first opinion is that painted oak never looks good. I happen to subscribe to the second opinion. Painted oak can look good, if you follow through with several labor intensive steps.
Clean and remove all dirt and grime from the surface. Then sand off any varnish to get to the raw wood. For big projects like kitchen or bathroom cabinets, you're better off using a power tool sander rather than sanding by hand. In my case, since my project was small, I used a medium grade sandpaper to remove the small amount of varnish on the mirror. Be sure to wipe after sanding to remove all dust.
I taped off the beveled mirror with painter's tape and newspaper.
Prime with an oil based primer. Sometimes you must apply two coats, especially if you want to minimize the grainy nature of oak. In bigger projects, allow to dry 24 hours. In my case, I used a fast drying spray paint primer. The first coat was dry after 30 minutes, so then I applied a second coat. It is a good idea to apply two coats of primer since oak is a very grainy wood and the primer helps to fill in some of those grains.
When your primer is dry, apply at least two coats of paint, preferably with a sprayer rather than a brush to avoid brush strokes. In my case, I applied three coats of spray paint since the coats are thinner when you spray versus using a brush.
I didn't bother painting the back since no one would see it anyway. The mirror had no hooks on the back, so I purchased these from a local craft store:
Since the mirror is hanging in my daughter's room, I also stapled a simple sew sash to the back to glam up the look of the mirror.
Here is the final looking glass in her room.
For a great tutorial on transforming a kitchen's oak cabinets into beautiful white cabinets, visit this post at the Howsed blog.
In this post from the Cottage Magpie blog, you can learn how to prime, paint and trim oak cabinetry with your own color of choice.
What are your thoughts on transforming oak ?


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SixthSense: Get the open-source code
Two years ago, inventor Pranav Mistry demoed the SixthSense technology on the TED stage — and talked about open-sourcing the software behind it. SixthSense is a wearable interface that enables interaction between digital information and the physical world through hand gestures. (Watch his TEDTalk to see how it works.) As promised, Pranav and his team […]Continue reading


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Kevin Hart Tickets
Laughter is surely the best medicine and no one does a better job of making us burst out laughing than Kevin Hart! With his witty jokes and hilarious comedy, Kevin Hart is regarded as one of the best comedians and actors in the United States. To bring a smile on someone's face is one of the best achievements. And this sensational artist is winning the hearts of millions of fans all over the country by making them roll over with laughter. If you too want to experience the immense joy of his comedy, this is a chance you better not miss.


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MS Injection Mold White Plastic Fairing Fit for Honda 2005-2006 CBR 600RR z037
Strong and durable super ABS plastics injection molded. Custom painted as shown in the pictures. 3-5 layers of clear coats applied. Please note the color of item may not 100% match with your original / OEM part. As we don't mix the paint according to paint codes or color names. Each piece is packed individually with poly foam, and each set of fairing is packed in 7-Layers extra strong carton. Correct tabs and pre-drilled holes to ensure easy and quick installation; Only compatible with original motorcycle. We highly recommend professional installation. Free Gifts included: Windscreen, Heat shield. If you want any other color scheme, we can paint fairings according to your pictures. We can also produce individual parts if you need. Brand new aftermarket injection mold fairing kit. Made of Strong, durable and flexible ABS plastic. The paint used for these fairings is mixed by our professional workers, not by color code. So color may not 100% match your original/OEM fairings. We strive to provide quick response to all your questions. We will reply within 24 hours, except holidays.
Fairing are aftermarket, not OEM. Holes are pre-drilled, we highly recommend professional installaion. This item is in the category "eBay Motors\Parts & Accessories\Motorcycle & Scooter Parts & Accessories\Body & Frame\Fairings, Plastics & Body Kits". The seller is "motorsports_mart" and is located in this country: US.
This item can be shipped to United States.
- Applicable Regions: Motorcycle
- Brand: NT-Fairing
- Clear Coating: 3-layer Clear Coating
- Color: As Shown In The Picture
- Country/Region of Manufacture: China
- Fit: Custom Fit
- Fit Maker: HONDA
- Fit Model: 2005-2006 CBR600RR
- Mounting Holes: Pre-drilled
- Manufacture Technology: Injection Molded
- Manufacturer Part Number: NT-HD05F5-037
- Material: ABS Plastics
- Placement on Vehicle: Rear, Right,Front,Left
- Finish: YES
- Type: Fairing / Bodywork Kit
- Manufacturer Warranty: YES
- Weight: 9.5-11 KGS