text:
West River homeowners can get the best smart home technology in the nation, with Vivint
If you're like most Americans, you've spent years, or even decades, working towards the goal of home ownership. Like many of us, your home is the biggest single purchase you'll ever make. And now that you've arrived, it's time to protect your investment. After all, home is where you keep your most prized possessions, the place you count on to be a refuge from the stress of everyday life. Your home is more than a collection of steel, concrete, wood, and glass; it's your personal refuge, and you count on your home to keep you and your loved ones safe and secure. Wouldn't you love to remain in complete control of your home, even when you're not there? With the Vivint system, you can. Vivint Smart Drive includes an intelligence layer called Vivint Smart Hub that analyzes the communication signals of smart home devices, and uses them to self-adjust system settings without extra input from the user. In other words, Vivint Smart Hub gives your home the ability to automatically respond to ambient environmental changes. Vivint Smart Drive gives you complete control in case you need to override automated settings. In fact, there are three ways to control your system:
- Vivint Smart Hub - A WiFi, cellular, Z-Wave, and 345 MHz touchscreen panel that mounts inside your home, bundles your devices into one network, and connects directly to 24/7 monitoring services.
- Vivint app - The top-rated smart home app on The App Store that gives you access to your Vivint Smart Hub dashboard through your smartphone or tablet.
- Amazon Echo - A voice-activated control hub that will lock doors, adjust temperatures, arm security systems, or play music at your command.

subset: commoncrawl


text:
Charitable Remainder Trust
Solutions for Large Donations
If you have built a sizable estate and also are looking for ways to receive reliable payments, consider a charitable remainder trust.
These types of gifts may offer you tax benefits and the option for income. There are two ways to receive payments and each has its own benefits:
The annuity trust pays you, each year, the same dollar amount you choose at the start. Your payments stay the same, regardless of fluctuations in trust investments.
The unitrust pays you, each year, a variable amount based on a fixed percentage of the fair market value of the trust assets. The amount of your payments is redetermined annually. If the value of the trust increases, so do your payments. If the value decreases, however, so will your payments.
Discover More
See which type of charitable trust best fits your estate plan with the FREE guide Choose From 2 Win-Win Ways to Donate.View My Guide
An Example of How It Works
Susan, 75, wants to make a gift to Murray State University Foundation but would also like more income in the future. Susan creates a charitable remainder unitrust with annual lifetime payments to her equal to 5% of the fair market value of the trust assets as revalued annually. She funds the trust with assets valued at $500,000.
Susan receives $25,000 the first year from the trust. Subsequent payment amounts vary each year depending on the annual valuations of the trust assets. She is eligible for a federal income tax charitable deduction of $289,325* in the year she creates and funds the trust. This deduction saves Susan $92,584 in her 32% tax bracket.
*Based on a 4.6% charitable midterm federal rate. Deductions and calculations will vary depending on your personal circumstances.
Fund Your Donation With:
Calculate Your Benefits
Submit a few details and see how a charitable remainder trust can benefit you.
Not Sure How to Begin Planning?Download My FREE Personal Estate Planning Kit
Next Steps
- Contact Dr. David Durr, CFA, CFP® at 270-809-6912 or firstname.lastname@example.com to talk about supporting Murray State University Foundation by setting up a charitable remainder trust.
- Seek the advice of your financial or legal advisor.
- If you include Murray State University Foundation in your plans, please use our legal name and federal tax ID.
Legal Name: Murray State University Foundation, Inc.
Address: Murray, KY
Federal Tax ID Number: 61-6053844
Information contained herein was accurate at the time of posting. The information on this website is not intended as legal or tax advice. For such advice, please consult an attorney or tax advisor. Figures cited in any examples are for illustrative purposes only. References to tax rates include federal taxes only and are subject to change. State law may further impact your individual results. California residents: Annuities are subject to regulation by the State of California. Payments under such agreements, however, are not protected or otherwise guaranteed by any government agency or the California Life and Health Insurance Guarantee Association. Oklahoma residents: 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. South Dakota residents: Charitable gift annuities are not regulated by and are not under the jurisdiction of the South Dakota Division of Insurance.Privacy Policy | Cookie Policy


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text: By David Crane defrev (at) gmail (dot) com All photos contained in this article were taken by DefenseReview.com, and are copyrighted. DefenseReview.com owns the copyright on these photos. The photos were shot with a Canon PowerShot S90 10-megapixel digital camera (still camera with video capability). April 15, 2010 A company called Grauer Systems showed an interesting AR-15 rifle/carbine accessory called …Read More »


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Only display english subjects
The meaning of this portal is displaying our "tro" (which means faith/belief) for persons eager to ask the most important questions in life. It's ground is the christian worldview, but want's to elaborate more on other affiliated views as well. Most of the texts are actually in english, but there are also some in danish and norwegian as well. Please have a good look around - write here if you wish to inform us!
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text:
Luxembourg Population: 605,7641 VISITOR FROM HERE!
« Previous Country | Next Country » Back to Flag Counter Overview
|Founded in 963, Luxembourg became a grand duchy in 1815 and an independent state under the Netherlands. It lost more than half of its territory to Belgium in 1839 but gained a larger measure of autonomy. In 1867, Luxembourg attained full independence under the condition that it promise perpetual neutrality. Overrun by Germany in both world wars, it ended its neutrality in 1948 when it entered into the Benelux Customs Union and when it joined NATO the following year. In 1957, Luxembourg became one of the six founding countries of the EEC (later the EU), and in 1999 it joined the euro currency zone.
|Western Europe, between France and Germany
|Geographic coordinates:
| total: 2,586 sq km
land: 2,586 sq km
water: 0 sq km
Size comparison: slightly smaller than Rhode Island; about half the size of Delaware
|Land Boundaries:
|total: 327 km border countries (3): Belgium 130 km, France 69 km, Germany 128 km
|0 km (landlocked)
|Maritime claims:
|none (landlocked)
|modified continental with mild winters, cool summers
|mostly gently rolling uplands with broad, shallow valleys; uplands to slightly mountainous in the north; steep slope down to Moselle flood plain in the southeast
|Natural resources:
|iron ore (no longer exploited), arable land
|Land use:
| agricultural land: 50.7% (2011 est.) arable land: 24% (2011 est.)
permanent crops: 0.6% (2011 est.) permanent pasture: 26.1% (2011 est.) forest: 33.5% (2011 est.)
other: 15.8% (2011 est.)
|Irrigated land:
|0 sq km (2012)
|Natural hazards:
|occasional flooding
|Current Environment Issues:
|air and water pollution in urban areas, soil pollution of farmland; unsustainable patterns of consumption (transport, energy, recreation, space) threaten biodiversity and landscapes
|International Environment Agreements:
| party to: Air Pollution, Air Pollution-Nitrogen Oxides, Air Pollution-Persistent Organic Pollutants, Air Pollution-Sulfur 85, Air Pollution-Sulfur 94, Air Pollution-Volatile Organic Compounds, Biodiversity, Climate Change, Climate Change-Kyoto Protocol, Desertification, Endangered Species, Hazardous Wastes, Law of the Sea, Marine Dumping, Ozone Layer Protection, Ship Pollution, Tropical Timber 83, Tropical Timber 94, Wetlands
signed, but not ratified: Environmental Modification
|^Back to Top
| noun: Luxembourger(s)
adjective: Luxembourg
|Ethnic groups:
|Luxembourger 51.1%, Portuguese 15.7%, French 7.5%, Italian 3.6%, Belgian 3.3%, German 2.1%, Spanish 1.1%, British 1%, other 14.6% (2019 est.) note: data represent population by nationality
|Luxembourgish (official administrative and judicial language and national language (spoken vernacular)) 55.8%, Portuguese 15.7%, French (official administrative, judicial, and legislative language) 12.1%, German (official administrative and judicial language) 3.1%, Italian 2.9%, English 2.1%, other 8.4% (2011 est.)
|Christian (predominantly Roman Catholic) 70.4%, Muslim 2.3%, other (includes Buddhist, folk religions, Hindu, Jewish) 0.5%, none 26.8% (2010 est.)
|605,764 (July 2018 est.)
|Age structure:
| 0-14 years: 16.74% (male 52,243 /female 49,183)
15-24 years: 12.06% (male 37,391 /female 35,650)
25-54 years: 44.18% (male 137,381 /female 130,252)
55-64 years: 11.9% (male 36,670 /female 35,442)
65 years and over: 15.11% (male 41,002 /female 50,550) (2018 est.)
|Dependency ratios:
| total dependency ratio: 43.6 (2015 est.)
youth dependency ratio: 23.5 (2015 est.)
elderly dependency ratio: 20.1 (2015 est.)
potential support ratio: 5 (2015 est.)
|Median age:
| total: 39.3 years
male: 38.7 years
female: 39.9 years (2018 est.)
|Population growth rate:
|1.9% (2018 est.)
|Birth rate:
|11.6 births/1,000 population (2018 est.)
|Death rate:
|7.3 deaths/1,000 population (2018 est.)
|Net migration rate:
|14.8 migrant(s)/1,000 population (2018 est.)
| urban population: 91% of total population (2018)
rate of urbanization: 1.55% annual rate of change (2015-20 est.)
|Major urban areas - population:
|120,000 LUXEMBOURG (capital) (2018)
|Sex ratio:
| at birth: 1.06 male(s)/female
0-14 years: 1.06 male(s)/female
15-24 years: 1.05 male(s)/female
25-54 years: 1.05 male(s)/female
55-64 years: 1.03 male(s)/female
65 years and over: 0.81 male(s)/female
total population: 1.01 male(s)/female (2018 est.)
Mother's mean age at first birth: 30.1 years (2015 est.)
|Maternal mortality rate:
|10 deaths/100,000 live births (2015 est.)
|Infant mortality rate:
| total: 3.4 deaths/1,000 live births male: 3.8 deaths/1,000 live births
female: 3 deaths/1,000 live births (2018 est.)
|Life expectancy at birth:
| total population: 82.4 years male: 79.9 years
female: 85 years (2018 est.)
|Total fertility rate:
|1.62 children born/woman (2018 est.)
|Physicians density:
|3.03 physicians/1,000 population (2017)
|Hospital bed density:
|4.9 beds/1,000 population (2014)
|Drinking water source:
| improved:
urban: 100% of population
rural: 100% of population
total: 100% of population
urban: 0% of population
rural: 0% of population
total: 0% of population (2015 est.)
|Sanitation facility access:
| improved:
urban: 97.5% of population (2015 est.)
rural: 98.5% of population (2015 est.)
total: 97.6% of population (2015 est.)
urban: 2.5% of population (2015 est.)
rural: 1.5% of population (2015 est.)
total: 2.4% of population (2015 est.)
|HIV/AIDS - adult prevalence rate:
|0.3% (2017 est.)
|HIV/AIDS - people living with HIV/AIDS:
|1,100 (2017 est.)
|HIV/AIDS - deaths:
|<100 (2017 est.)
|Obesity - adult prevalence rate:
|22.6% (2016)
|Education expenditures:
|3.9% of GDP (2015)
|School life expectancy (primary to tertiary education):
| total: 14 years male: 14 years female: 14 years (2016)
Unemployment, youth ages 15-24: total: 15.4% male: 17.2% female: 13.2% (2017 est.)
|^Back to Top
|Country name:
| conventional long form: Grand Duchy of Luxembourg
conventional short form: Luxembourg
local long form: Grand Duche de Luxembourg
local short form: Luxembourg
etymology: the name derives from the Celtic "lucilem" (little) and the German "burg" (castle or fortress) to produce the meaning of the "little castle"; the name is actually ironic, since for centuries the Fortress of Luxembourg was one of Europe's most formidable fortifications; the name passed to the surrounding city and then to the country itself
|Government type:
|constitutional monarchy
| name: Luxembourg
geographic coordinates: 49 36 N, 6 07 E
time difference: UTC+1 (6 hours ahead of Washington, DC, during Standard Time)
daylight saving time: +1hr, begins last Sunday in March; ends last Sunday in October
etymology: the name derives from the Celtic "lucilem" (little) and the German "burg" (castle or fortress) to produce the meaning of the "little castle"; the name is actually ironic, since for centuries the Fortress of Luxembourg was one of Europe's most formidable fortifications; the name passed to the city that grew around the fortress
|Administrative divisions:
|12 cantons (cantons, singular - canton); Capellen, Clervaux, Diekirch, Echternach, Esch-sur-Alzette, Grevenmacher, Luxembourg, Mersch, Redange, Remich, Vianden, Wiltz
|1839 (from the Netherlands)
|National holiday:
|National Day (Birthday of Grand Duke HENRI), 23 June; note - this date of birth is not the true date of birth for any of the Royals, but the national festivities were shifted in 1962 to allow observance during a more favorable time of year
|history: previous 1842 (heavily amended 1848, 1856); latest effective 17 October 1868 amendments: proposed by the Chamber of Deputies or by the monarch to the Chamber; passage requires at least two-thirds majority vote by the Chamber in two successive readings three months apart; a referendum can be substituted for the second reading if approved by more than one-quarter of the Chamber members or by 25,000 valid voters; adoption by referendum requires a majority of all valid voters; amended many times, last in 2009 (2016)
|Legal system:
|civil law system
|18 years of age; universal and compulsory
|Executive branch:
| chief of state: Grand Duke HENRI (since 7 October 2000); Heir Apparent Prince GUILLAUME (son of the monarch, born 11 November 1981)
head of government: Prime Minister Xavier BETTEL (since 4 December 2013); Deputy Prime Minister Etienne SCHNEIDER (since 4 December 2013); Deputy Prime Minister Felix BRAZ (since 5 December 2018)
cabinet: Council of Ministers recommended by the prime minister, appointed by the monarch elections/appointments: the monarchy is hereditary; following elections to the Chamber of Deputies, the leader of the majority party or majority coalition usually appointed prime minister by the monarch; deputy prime minister appointed by the monarch; prime minister and deputy prime minister are responsible to the Chamber of Deputies
|Legislative branch:
| description: unicameral Chamber of Deputies or Chambre des Deputes (60 seats; members directly elected in multi-seat constituencies by party-list proportional representation vote; members serve 5-year terms); note - a 21-member Council of State appointed by the Grand Duke on the advice of the prime minister serves as an advisory body to the Chamber of Deputies
elections: last held on 14 October 2018 (next to be held by October 2023)
election results: percent of vote by party - CSV 28.3%, LSAP 17.6%, DP 16.9%, Green Party 15.1%, ADR 8.3%, Pirate Party 6.4%, The Left 5.5%, other 1.9%; seats by party - CSV 21, DP 12, LSAP 10, Green Party 9, ADR 4, Pirate Party 2, The Left 2; composition - men 46, women 14, percent of women 23.3%
|Judicial branch:
| highest courts: Supreme Court of Justice includes Court of Appeal and Court of Cassation (consists of 27 judges on 9 benches); Constitutional Court (consists of 9 members) judge selection and term of office: judges of both courts appointed by the monarch for life
subordinate courts: Court of Accounts; district and local tribunals and courts
|Political parties and leaders:
|Alternative Democratic Reform Party or ADR [Jean SCHOOS] Christian Social People's Party or CSV [Marc SPAUTZ] Democratic Party or DP [Corinne CAHEN] Green Party [Francoise FOLMER, Christian KMIOTEK] Luxembourg Socialist Workers' Party or LSAP [Claude HAAGEN] The Left (dei Lenk/la Gauche) [collective leadership, Central Committee] other minor parties
|International organization participation:
|ADB (nonregional member), Australia Group, Benelux, BIS, CD, CE, EAPC, EBRD, ECB, EIB, EMU, ESA, EU, FAO, FATF, IAEA, IBRD, ICAO, ICC (national committees), ICCt, ICRM, IDA, IEA, IFAD, IFC, IFRCS, ILO, IMF, IMO, Interpol, IOC, IOM, IPU, ISO, ITSO, ITU, ITUC (NGOs), MIGA, NATO, NEA, NSG, OAS (observer), OECD, OIF, OPCW, OSCE, PCA, Schengen Convention, UN, UNCTAD, UNESCO, UNHCR, UNIDO, UNRWA, UPU, WCO, WHO, WIPO, WMO, WTO, ZC
|National symbol(s):
| red, rampant lion;
national colors: red, white, light blue
|National anthem:
| name: "Ons Heemecht" (Our Motherland); "De Wilhelmus" (The William)
lyrics/music: Michel LENTZ/Jean-Antoine ZINNEN; Nikolaus WELTER/unknown
note: "Ons Heemecht," adopted 1864, is the national anthem, while "De Wilhelmus," adopted 1919, serves as a royal anthem for use when members of the grand ducal family enter or exit a ceremony in Luxembourg
|Diplomatic representation in the US:
| chief of mission: Ambassador Sylvie LUCAS (since 16 September 2016)
chancery: 2200 Massachusetts Avenue NW, Washington, DC 20008
telephone: [1] (202) 265-4171
consulate(s) general: New York, San Francisco
|Diplomatic representation from the US:
| chief of mission: Ambassador James Randolph "Randy" EVANS (since 19 June 2018)
embassy: 22 Boulevard Emmanuel Servais, L-2535 Luxembourg City
mailing address: Unit 3560, APO-AE 09126-3560 (official mail)
telephone: [352] 46-01-23 00
|^Back to Top
This small, stable, high-income economy has historically featured solid growth, low inflation, and low unemployment. Luxembourg, the only Grand Duchy in the world, is a landlocked country in northwestern Europe surrounded by Belgium, France, and Germany. Despite its small landmass and small population, Luxembourg is the fifth-wealthiest country in the world when measured on a gross domestic product (PPP) per capita basis. Luxembourg has one of the highest current account surpluses as a share of GDP in the euro zone, and it maintains a healthy budgetary position, with a 2017 surplus of 0.5% of GDP, and the lowest public debt level in the region. Since 2002, Luxembourg's government has proactively implemented policies and programs to support economic diversification and to attract foreign direct investment. The government focused on key innovative industries that showed promise for supporting economic growth: logistics, information and communications technology (ICT); health technologies, including biotechnology and biomedical research; clean energy technologies, and more recently, space technology and financial services technologies. The economy has evolved and flourished, posting strong GDP growth of 3.4% in 2017, far outpacing the European average of 1.8%. Luxembourg remains a financial powerhouse – the financial sector accounts for more than 35% of GDP - because of the exponential growth of the investment fund sector through the launch and development of cross-border funds (UCITS) in the 1990s. Luxembourg is the world's second-largest investment fund asset domicile, after the US, with $4 trillion of assets in custody in financial institutions. Luxembourg has lost some of its advantage as a favorable tax location because of OECD and EU pressure, as well as the "LuxLeaks" scandal, which revealed advantageous tax treatments offered to foreign corporations. In 2015, the government's compliance with EU requirements to implement automatic exchange of tax information on savings accounts - thus ending banking secrecy - has constricted banking activity. Likewise, changes to the way EU members collect taxes from e-commerce has cut Luxembourg's sales tax revenues, requiring the government to raise additional levies and to reduce some direct social benefits as part of the tax reform package of 2017. The tax reform package also included reductions in the corporate tax rate and increases in deductions for families, both intended to increase purchasing power and increase competitiveness.
|GDP (purchasing power parity):
| $62.11 billion (2017 est.) $60.71 billion (2016 est.) $58.9 billion (2015 est.)
note: data are in 2017 dollars
|GDP (official exchange rate):
|$62.53 billion (2017 est.)
|GDP - real growth rate:
|2.3% (2017 est.) 3.1% (2016 est.) 2.9% (2015 est.)
|GDP - per capita (PPP):
| $105,100 (2017 est.) $105,400 (2016 est.) $104,600 (2015 est.)
note: data are in 2017 dollars
|Gross national saving:
|22.3% of GDP (2017 est.) 23% of GDP (2016 est.) 23.2% of GDP (2015 est.) GDP - composition, by end use: household consumption: 30.2% (2017 est.) government consumption: 16.5% (2017 est.) investment in fixed capital: 16.2% (2017 est.) investment in inventories: 1.1% (2017 est.) exports of goods and services: 230% (2017 est.) imports of goods and services: -194% (2017 est.) GDP - composition, by sector of origin: agriculture: 0.3% (2017 est.) industry: 12.8% (2017 est.) services: 86.9% (2017 est.)
|Agriculture - products:
|grapes, barley, oats, potatoes, wheat, fruits; dairy and livestock products
|banking and financial services, construction, real estate services, iron, metals, and steel, information technology, telecommunications, cargo transportation and logistics, chemicals, engineering, tires, glass, aluminum, tourism, biotechnology
|Industrial production growth rate:
|1.9% (2017 est.)
|Labor force:
|282,800 (2017 est.) note: data exclude foreign workers; in addition to the figure for domestic labor force, about 150,000 workers commute daily from France, Belgium, and Germany
|Labor force - by occupation:
| agriculture: 1.1%
industry: 20%
services: 78.9% (2013 est.)
|Unemployment rate:
|5.8% (2017 est.) 6.3% (2016 est.)
|Population below poverty line:
|Household income or consumption by percentage share:
| lowest 10%: 3.5%
highest 10%: 23.8% (2000)
|Distribution of family income - Gini index:
|30.4 (2013 est.) 26 (2005 est.)
| revenues: 27.75 billion (2017 est.)
expenditures: 26.8 billion (2017 est.)
|Taxes and other revenues:
|44.4% (of GDP) (2017 est.) Budget surplus (+) or deficit (-): 1.5% (of GDP) (2017 est.)
|Public debt:
| 23% of GDP (2017 est.) 20.8% of GDP (2016 est.)
note: data cover general government debt and include debt instruments issued (or owned) by government entities other than the treasury; the data include treasury debt held by foreign entities; the data include debt issued by subnational entities, as well as intragovernmental debt; intragovernmental debt consists of treasury borrowings from surpluses in the social funds, such as for retirement, medical care, and unemployment; debt instruments for the social funds are not sold at public auctions
|Fiscal year:
|calendar year
|Inflation rate (consumer prices):
|2.1% (2017 est.) 0% (2016 est.)
|Current account balance:
|$3.112 billion (2017 est.) $2.988 billion (2016 est.)
|$15.99 billion (2017 est.) $16.37 billion (2016 est.)
|Exports - commodities:
|machinery and equipment, steel products, chemicals, rubber products, glass
|Exports - partners:
|Germany 25.6%, Belgium 17.6%, France 14%, Netherlands 5.1%, Italy 4.1%, UK 4.1% (2017)
|$20.66 billion (2017 est.) $20.41 billion (2016 est.)
|Imports - commodities:
|commercial aircraft, minerals, chemicals, metals, foodstuffs, luxury consumer goods
|Imports - partners:
|Belgium 32%, Germany 24.9%, France 11.1%, US 5.7%, Netherlands 4.9% (2017)
|Reserves of foreign exchange and gold:
|$878 million (31 December 2017 est.) $974 million (31 December 2016 est.)
|Debt - external:
|$3.781 trillion (31 March 2016 est.) $3.806 trillion (31 March 2015 est.)
|Stock of direct foreign investment - at home:
|$11.21 billion (31 December 2008 est.)
|Stock of direct foreign investment - abroad:
|Market value of publicly traded shares:
|$47.13 billion (31 December 2015 est.) $63.17 billion (31 December 2014 est.) $78.64 billion (31 December 2013 est.)
|Exchange rates:
|euros (EUR) per US dollar - 0.885 (2017 est.) 0.903 (2016 est.) 0.9214 (2015 est.) 0.885 (2014 est.) 0.7634 (2013 est.)
|^Back to Top
|Electricity - production:
|334.5 million kWh (2016 est.)
|Electricity - consumption:
|6.475 billion kWh (2016 est.)
|Electricity - exports:
|1.42 billion kWh (2016 est.)
|Electricity - imports:
|7.718 billion kWh (2016 est.)
|Electricity - installed generating capacity:
|1.709 million kW (2016 est.)
|Electricity - from fossil fuels:
|25% of total installed capacity (2016 est.)
|Electricity - from nuclear fuels:
|0% of total installed capacity (2017 est.)
|Electricity - from hydroelectric plants:
|8% of total installed capacity (2017 est.)
|Electricity - from other renewable sources:
|67% of total installed capacity (2017 est.)
|Crude oil - production:
|0 bbl/day (2017 est.)
|Crude oil - exports:
|0 bbl/day (2017 est.)
|Crude oil - imports:
|0 bbl/day (2017 est.)
|Crude oil - proved reserves:
|0 bbl (1 January 2018 est.)
|Refined petroleum products - production:
|0 bbl/day (2017 est.)
|Refined petroleum products - consumption:
|59,850 bbl/day (2017 est.)
|Refined petroleum products - exports:
|0 bbl/day (2017 est.)
|Refined petroleum products - imports:
|59,020 bbl/day (2017 est.)
|Natural gas - production:
|0 cu m (2017 est.)
|Natural gas - consumption:
|792.8 million cu m (2017 est.)
|Natural gas - exports:
|0 cu m (2017 est.)
|Natural gas - imports:
|792.8 million cu m (2017 est.)
|Natural gas - proved reserves:
|0 cu m (1 January 2014 est.)
|Carbon dioxide emissions from consumption of energy:
|10.72 million Mt (2017 est.)
|^Back to Top
|Cellular Phones in use:
| total subscriptions: 794,000
subscriptions per 100 inhabitants: 134 (2017 est.)
|Telephone system:
| general assessment: highly developed, completely automated and efficient system; by 2020 the government's program is to provide a 1Gb/s service to all citizens, and to make Luxembourg the first fully fibred country in Europe; new law requiring SIM cards be registered has slowed down growth for mobile subscribers; 5G launch by 2020 (2018)
domestic: fixed-line teledensity about 46 per 100 persons; nationwide mobile-cellular telephone system with market for mobile-cellular phones virtually saturated with 134 per 100 mobile-cellular (2018)
international: country code - 352
|Broadcast media:
|Luxembourg has a long tradition of operating radio and TV services for pan-European audiences and is home to Europe's largest privately owned broadcast media group, the RTL Group, which operates 46 TV stations and 29 radio stations in Europe; also home to Europe's largest satellite operator, Societe Europeenne des Satellites (SES); domestically, the RTL Group operates TV and radio networks; other domestic private radio and TV operators and French and German stations available; satellite and cable TV services available
|Internet country code:
|Internet users:
| total: 567,698
percent of population: 97.5% (July 2016 est.)
|^Back to Top
|2 (2013)
|Airports (paved runways):
| total 1
(2017) over 3,047 m: 1 (2017)
|Airports (unpaved runways):
| total 1
under 914 m: 1 (2013)
|1 (2013)
|142 km gas, 27 km refined products (2013)
| total 275 km
(2014) standard gauge: 275 km 1.435-m gauge (275 km electrified) (2014)
| total 2,875 km
|37 km (on Moselle River) (2010)
|Merchant marine:
| total 152
by type: bulk carrier 4, container ship 9, general cargo 6, oil tanker 2, other 131 (2018)
|Ports and terminals:
river port(s): Mertert (Moselle)
|^Back to Top
|Military branches:
|Luxembourg Army (Armee Luxembourgeoise) (2018)
|Military service age and obligation:
|18-24 years of age for male and female voluntary military service; no conscription; Luxembourg citizen or EU citizen with 3-year residence in Luxembourg (2017)
|Military expenditures:
|0.55% of GDP (2018) 0.52% of GDP (2017) 0.4% of GDP (2016) 0.43% of GDP (2015) 0.42% of GDP (2014)
|^Back to Top
|Transnational Issues
|Disputes - International:
|Refugees and internally displaced persons:
stateless persons: 83 (2018)
|^Back to Top
« Previous Country | Next Country » Back to Flag Counter Overview
Source: CIA - The World Factbook


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Looking for Can You Trade Bonds On Etoro…
eToro was founded in 2007 and is managed in two tier-1 jurisdictions and one tier-2 jurisdiction, making it a safe broker (low-risk) for trading forex and CFDs.
eToro is outstanding for social copy trading and cryptocurrency trading, and is our top choice for both categories in 2021. EToro offers an user-friendly web platform and mobile app that is great for casual financiers, consisting of novices.
For trading forex and CFDs, eToro is a little costlier than the majority of its competitors, in spite of recently cutting spreads and introducing zero-dollar commissions for US stock trading. EToro's variety
eToro is a market-maker broker and notes a typical variable spread of 1 pip on the EUR/USD, which is somewhat higher than the market average. When comparing charges alone, retail traders don't pick eToro for its spreads, however rather for its social copy-trading platform capabilities (see Platform and Tools area listed below for more details).
VIP accounts: eToro offers a VIP club subscription with 5 tiers ranging from silver to diamond for traders who preserve balances between $5k -$ 250k. Depending upon the level, advantages vary from a dedicated account manager to discounted withdrawal and deposit costs, access to personal signals, and exclusive possessions, among other VIP-style account advantages.
Popular Investor program: eToro's Popular Investor program has four levels– from cadet to elite– where you can be eligible to get different benefits. Gain from this program can range from spread refunds to a monthly payment and even a management charge for those who reach elite status. Popular Financier is for traders who permit other financiers to copy their strategy.
Is eToro trustworthy?
Cryptocurrency trading: Total, eToro has pricing near the market average for trading physical cryptocurrency, such as 0.75% for selling or buying bitcoin, while its fiat to crypto conversion fee is high at 5%. Converting from crypto to crypto at eToro only costs 0.1% in addition to prevailing spreads. With a large number of crypto possessions and both CFDs and the underlying, eToro is our top broker for Crypto Trading in 2021.
Exchange-Traded Securities: In addition to trading CFD shares, eToro also offers zero-dollar commission for US stock trading (not available to US financiers) and supports fractional shares. To find out more, see our UK.StockBrokers.com review of eToro.
I've constantly had an interest in the financial markets but, like most of us, I had no genuine concept how to break through the castle walls and really trade. The gatekeepers of Wall St. and The City have forever been dedicated to keeping the masses at bay so they can charge their large trading fees (The Wolf of Wall Street — real story).
That all altered about a year ago. I was a final year student and encountered a platform called eToro which blew open the doors and enabled me to start trading online. eToro depends on 20 times less expensive than standard stockbrokers, with 0% commission on genuine stocks.
Sound easy enough? Can You Trade Bonds On Etoro
rehensive no-nonsense guide to assist others get the best outcomes as quickly as possible.} And here it is …
eToro would describe themselves as an available trading platform that integrates a social aspect into investing. I 'd explain them as Facebook for trading. They first went live in 2006, and are now the world's largest financial investment network with a neighborhood of 4.5 million users.|For total beginners the eToro platform and the principle of trading itself can be a little intimidating at. With the advantage of hindsight and my own individual trading experience on eToro, I desired to put together an extensive no-nonsense guide to assist others get the finest results as rapidly as possible.}
The platform and the wider phenomenon of social investing have actually been widely covered by mainstream media, including a recent BBC documentary called Traders: Millions by the Minute.
The most distinct function of eToro is probably 'CopyTrader'. This enables you to sort through other users and plainly see their trading history, consisting of how much they have made or lost over any given period. If you discover somebody you like the look of, you can allocate some funds to instantly copy their trades.
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With the social and copying features, you'll certainly find out an excellent deal reasonably rapidly! Most of the need-to-knows you'll get by reading this guide or playing with a demo account. Can You Trade Bonds On Etoro
Take it easy at the start and make certain you know what you're doing before investing bigger quantities of money. Trading on eToro can be really profitable however it is necessary to note that, whenever you're handling the markets, you can lose cash too (" your capital is at risk")!


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We think that having in house translators is really a basic requirement although with most translation agencies this is not the truth. Having translators in office greatly helps to improve turn around time and also means that each project can be overseen so that there is a smooth process between us receiving the work and returning it to you.
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It is therefore very important to note that if you require a translation for a website navigation bar that the designer may need to tweak the design so that it fits nicely into the layout of the website.
When translating it isn't always possible to translate word for word and therefore the length of text will either expand or contact depending on the subject and tone of the text. We have found that there is a contraction with Brazilian to English translation of approximately 20-35%.
This leads us on to the target market. It is essential to get the right translation for the right audience. A translation of the same document targeting children or teenagers will require a much different translation than one targeting people that are much older. Overlooking these small issues can make the difference between a successful translation and a mediocre one.
Last updated: 08/12/2023
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Silicon Valley companies quietly try to kill Internet privacy bill
by Steven Harmon, San Jose Mercury News
Silicon Valley tech firms, banks and other powerful industries are mounting a quiet but forceful campaign to kill an Internet privacy bill that would give California consumers the right to know how their personal information is being used.
A recent letter signed by 15 companies and trade groups — including TechAmerica, which represents Google, Facebook, Microsoft and other technology companies — demanded that the measure's author, Assemblywoman Bonnie Lowenthal, D-Long Beach, drop her bill. They complain it would open up businesses to an avalanche of requests from individuals as well as costly lawsuits.
One early consequence of the heavy lobbying: A hearing on the bill, AB1291, scheduled for last week, has been pushed to next month.
The American Civil Liberties Union, a co-sponsor of the Right to Know Act, accuses the business groups of overreacting to hide their true intentions: to keep out of the public's eye the lucrative practice of amassing personal information on people who use online services, computer apps, social networking sites and other portals that track people's locations, buying habits, favorite foods and movies, and even their sexual orientation.
"A lot of companies don't want consumers to know what's happening to their personal information," said Nicole Ozer, an attorney with the ACLU who specializes in privacy issues. "Companies are collecting and sharing this information with third parties in ways the people might not realize and in ways they might not want."
The bill, which if passed would be the first such law in the nation, would require companies to show customers the personal data they've collected — and tell them who's getting their hands on it. The information would have to be provided for free.
Supporters of the proposed laws argue that when consumers find out what kind of data businesses are compiling and sharing, they'll be better able to evaluate whether they should opt out of sharing it.
The push for the new law comes as tech, banking and marketing firms find more ways to mine vast amounts of personal information on consumers to target their specific needs. Some websites have installed as many as 100 tracking tools that kick in when consumers visit them, according to the bill's analysis.
Many Facebook apps tap into their users' and their friends' profiles, including sections on religious, political and sexual preferences; race; income; and health concerns. Third-party advertising and marketing companies buy, sell and trade personal information that they get from mobile phones, financial institutions and social media sites.
Some mobile applications share location information and phone numbers of users — a concern to advocates of domestic violence victims.
Consumers who live in 27 countries that belong to the European Union already have the right to know what data companies have on them — laws that are being complied by Facebook, Google and others that are opposing the California legislation.
Google did not reply to requests for an interview; a Facebook spokesman declined to talk about the bill. The California Chamber of Commerce referred all calls to TechAmerica, the trade group that represents major Internet companies.
Robert Callahan, the director of California government affairs for TechAmerica, told this newspaper: "Our companies are active proponents of ensuring that consumers' privacy is safeguarded. It is a fundamental part of their business model."
He said a 2005 California privacy law already enables consumers to ask what personal information companies are using. And businesses are aware that privacy protections are key to keeping customers' trust and to remaining competitive, he said.
Silicon Valley tech companies have the ears of local legislators.
Assemblyman Bob Wieckowski, D-Fremont, the chairman of the Assembly Judiciary Committee, where the bill is being considered, put off the bill until May 7 "because of concerns that the current version may be too broad and not clear enough to properly guide businesses on what they can and cannot do," said Jeff Barbosa, Wieckowski's spokesman.
Menlo Park-based Facebook and Mountain View-based Google are both in the district represented by Assemblyman Rich Gordon, D-Menlo Park, who said he hasn't made up his mind on the bill, but is looking for the "sweet spot" where privacy is protected "but you don't completely shut off Internet commerce. I'm trying to sort it out."
Lowenthal said she has no intention of dropping her bill, noting that California privacy laws haven't been updated since 2003, when the 2005 Shine the Light law was initially written.
At the time, she said, the main concern was telemarketing abuse. As a result, she said, companies now aren't required to reveal what information is shared unless it's for direct marketing purposes such as junk mail and telemarketing.
In addition, Lowenthal said, businesses now collect a wide range of personal information not included in the original law — and are sharing and selling it in ways the authors did not anticipate.
"Ten years ago, there weren't the kinds of apps that mark your location, track your spending habits," Lowenthal said. "They go far beyond what the original privacy laws covered."


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The towering elk shot at Mapleton Avenue and Ninth Street by a Boulder police officer has been dead for almost a week, but the furor surrounding the animal's demise is still very much alive.
Boulder police Chief Mark Beckner addressed the elk's death and answered questions Monday at a community meeting requested by residents of the neighborhood where the elk was killed, with some of those residents calling the shooting a "murder."
"I know there is a lot of emotion around this issue," Beckner told about 70 people who gathered at the city's Public Safety Building on 33rd Street.
On New Year's Day, an officer on patrol at Ninth and Mapleton told police he encountered an injured elk that he determined needed to be put down. The officer killed the elk with a shotgun, then called an off-duty police officer who took the meat home to be processed. An on-duty Boulder County sheriff's deputy also helped load the animal into a truck.
But the Boulder police officer never reported the shooting and never told dispatchers about the incident. The two Boulder officers -- Sam Carter and Brent Curnow -- have been placed on paid leave as the Boulder Police Department conducts an internal investigation.
When asked if he believed the officer's story, Beckner said he didn't have enough facts to determine that, but added that there were enough facts to open the internal investigation.
"If we didn't think there were issues, we would not be investigating," he said. "It appears policies and procedure weren't followed. Now we need to either prove or disprove that."
But some members of the crowd did not take the same approach, with one comparing the paid leave to putting "murderers on vacation." Beckner also said he has received e-mails from people going as far as asking that the officers involved be executed.
The chief urged residents to let the investigation play out.
"We take the stance that everyone is innocent until proven guilty," he said. "But if that officer needs to be fired, I assure you he will be fired."
'Going to have more training'
Beckner said putting down an injured animal is not unusual for the police department and officers are trained to know how and when to euthanize injured wildlife. But he quickly added, "Believe me, we're going to have more training."
Many people in the crowd testified that the elk was never aggressive. Beckner said police did get a call on Dec. 26 from a mailman who reported being trapped on a porch in the area by the animal. But one woman read an e-mail she claimed was from the mailman saying the incident was overblown.
Beckner reminded the crowd that the criminal investigation was being handled by Colorado Parks and Wildlife, not his own department.
He added that he would be concerned if the shooting was not warranted.
"We don't want our officers out there shooting animals if they don't have to," he said.
Rita Wilson with In Defense of Animals said the shooting should prompt policy changes in the department. She said violence toward animals was an indicator of violence toward people.
"They should have to go through an evaluation," she said.
While Beckner said there is always room to improve, he said he didn't think the incident called for any massive changes to the department's policy.
"If they want to shoot something, protocol is not going to stop them," Beckner said of his officers.
Copyright 2013 - Daily Camera, Boulder, Colo.


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|Payment Type:
|T/T,Paypal,Western Union
|Min. Order:
|500 Piece/Pieces
|Delivery Time:
|20 Days
Basic Info
Model No.: ZHSCB--0001
Paper Type: Cardboard
Usage: Cosmetic
Size: Small, Middle, See Details
Shape: Rectangle
Surface Handling: Offset Printing
Logo Printing: Without Logo Printing
Weight: <0.5 kg
Item: Essential Oil Package
Color: Customized
Paper: Cardboard
Product Name: Essential Oil Box
Additional Info
Packaging: Stardard Export Carton
Productivity: 10000
Brand: /
Transportation: Ocean,Land,Air
Place of Origin: China
Supply Ability: 300000 pieces/month
Certificate: ISO,BV,SGA
HS Code: 4819100000
Port: Shenzhen,Shanghai
Product Description
Custom box for storage essential oils
This box for essential oils, customized box. This is drawer box type, we also accept other kinds of box types custom and logo printing.
Product Show
500 pcs
T/T Western Union PAYPAL
Express, air, sea, railway
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Delivery Time 7-15 Days According to quantity
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Our Market
1. What is your terms of delivery?
We accept FOB, CIF etc. You can choose the one which is the most convenient or cost effective for you.
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T/T,Western Union & Paypal
3.How long will it take to receive my products?
As a general rule, it will take 2 weeks for us to produce your custom designed and printed products.
4. Can I have a custom designed and made packaging box?
We are a custom shop. We design and construct each project to the individual customer's needs. All of our boxes are custom made based on your artwork and packaging need.
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Yes, on some stock items. A nominal shipping charge, however, will apply. Certain items are excluded from our sample program. Samples based on your artwork and packaging need, are available,
but will include a fee for the box plus estimated shipping costs. The sample making usually takes a week.
© 2019 CHINA WAY. All Rights Reserved. Zenghui Paper Package Industry and Trading Company, Inc. All rights reserved. site map. sitemap.html


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St. Louis, MO
112 Reviews | Review This Place | Photos and Maps
-13.0% since 2000
Unemployment Rate
Cost of Living
84.1 / 100
Median Home Price
Median Income
Comfort Index (Climate)
7.3 / 5.6
summer / winter
Known since the early days as the "Gateway City" because of its access to transportation routes in all directions, St. Louis continues to be an important center of commerce and culture for the Mississippi River Basin. The area includes a broad assortment of mostly residential neighborhoods to the west and the more industrial East St. Louis and several agricultural counties on the Illinois side of the river. For years the downtown area had few highlights outside of the landmark Gateway Arch and the restored Union Station. The population of the city itself had declined gradually for decades, and most of the infrastructure had declined as people moved into the suburbs or away altogether. But more recently, the downtown has started to come back, with new residential facilities and reclaimed warehouse lofts downtown anchored by new sports venues. Similar restorations are going on in other important inner neighborhoods.
The St. Louis area is known for its parks, and the flagship is Forest Park, the 1,300-acre site of the 1904 World's Fair, now the location of several high-quality museums. To the west lies a patchwork of mostly quiet, shady neighborhoods, including the University City area, home to the highly rated Washington University. Grittier neighborhoods lie to the north of the city, and good family neighborhoods lie along the I-70 corridor to the northwest across the Missouri River and around the I-270 beltway. St. Louis offers plenty of urban and suburban living choices, and home prices and living costs are quite reasonable for this type of city. The diverse economy is led by such companies as Anheuser-Busch, McDonnell-Douglas (now a part of Boeing), Monsanto, and a number of other manufacturing, distribution and service firms. Due to acquisitions and some relocations, the area is less prominent as a corporate headquarters than in the past, and projected job growth is modest. There is some concern about the auto industry in particular; there are four auto assembly plants in the area.
The St Louis area has a very strong base of cultural and entertainment amenities for a city its size. A number of amenities are directed at children, and St. Louis in general is considered a good place to raise a family. Other advantages include a highly educated population for a large city and popular professional sports teams- MLB Cardinals, NFL Rams, and NHL Blues- which are accessible and inexpensive by national standards. Violent crime rates have dropped significantly. Some may not like the hot, humid summer weather and air quality could be better.
The city is located on a plain on the west bank of the Mississippi River with gently rolling hills and undulating plains rising to the west, and mostly level terrain to the east. Hilly areas are wooded and level areas are mainly farmland. The continental climate is affected by warm, moist air from the Gulf of Mexico and cold air masses from Canada, the mixing of which produces a variety of weather conditions and four distinct seasons. During summer, Gulf air tends to dominate, producing warm, humid conditions. Temperatures of 90 or higher are common. Winters are brisk and stimulating, but prolonged periods of extreme cold are rare. Temperatures of zero or below are infrequent. Summer thunderstorms are common and sometimes severe. Spring is the wettest season. Snow is infrequent, with measurable snowfall on 5 to 10 days in most years. First freeze is mid-October, last is mid-April.
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The Hayes Mini Dress in Cream
Between the 22nd of November and the 6th of December 2023 we kindly ask that you allow an additional 24 hours for delivery
UK Delivery £10
Europe Delivery £15
USA Delivery $35
Rest of the World Delivery £25
UK orders will be delivered next day*. Delivery on all International orders within 2 to 5 working days**
*Orders placed before 2:30pm GMT Monday to Thursday will be delivered next day. Orders placed on a Friday before 2:30pm GMT will be delivered the following Monday. Orders placed on a Friday after 2.30pm GMT, Saturday or Sunday will be delivered the following Tuesday. Please note that this only applies to England, Scotland & Wales, excluding Highlands and Islands.
**International delivery times may vary, particularly if shipments are subject to customs and duty procedures beyond our control, click here for more information on transit times and costs. Customs and import duties are charged once the parcel reaches its destination country. These charges must be paid by the recipient of the parcel.
You may return any unwanted items to Solace London within 14 days from receipt of goods. Any returned items must be sent back to us at your own cost in their original condition with the original tags attached. Items will be inspected upon arrival and returned to the sender if they do not meet these requirements. For your protection, we recommend that any goods returned to us can be tracked and are insured to their full value. In case of dispute please obtain proof of delivery - Solace London does not accept responsibility for parcels lost in transit


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Please note that the error message could vary. Some of the common cases are: missing, corrupted, crashed, not found etc.
|NVIDIA Corporation
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nview.dll is a DLL file part of NVIDIA nView Desktop and Window Manager 61.77 program which is developed by NVIDIA Corporation. In order for the program to work properly, it needs a properly working dll file.
If you have visited this page and looking for the nview.dll file, you have mostl likely encountered one of the following errors below:
In order to fix the nview.dll error, you will need to download and install the DLL file in the appropriate directory. First, look at the download section on this page and get the corresponding version to your operating system. Pay close attention to the architecture of the file (either 32 or 64 bit), but also look for the language version. If there are multiple versions available we recommend you go with the latest one available.
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Boldenone 300 mg 10 ml
|Item price
|1 vial
Boldenone 300 is an injectable steroid which contains the hormone Boldenone Undecylenate. The preparation comes in vials of 10 ml and contains 300 mg of Boldenone Undecylenate per ML.
Boldenone Undecylenate has become a very popular steroid with athletes and bodybuilders due to the fact that it has very low side effects and has anabolic properties which promote a steady gain in quality muscle mass over time.
EQ, as it is often called, can be effectively incorporated in both "cutting" and "bulking" cycles due to the well balanced effects of this anabolic substance. Boldenone 300 aromatizes very little, and therefore produces almost no estrogenic side effects such as water retention or "gyno" (the development of female tissue under the nipples in males resulting in unattractive and often painful lumps in this area), and therefore is a favorite among bodybuilders who are looking to make solid gains without the extra bloat, or are nearing contest.
Boldenone 300 also dramatically increases protein synthesis and red blood cell count meaning that nutrients are transported throughout the body much more effectively. Because of this, Boldenone 300 is able to make much more use of less food, enhancing its capabilities as an effective hormone to use when "cutting" and a bodybuilder is trying to reduce calories to get into contest shape. Also, the increased red blood cell count caused by this steroid also increases oxygen transportation throughout the body, thus giving athletes and bodybuilders much more endurance and the capability to endure cardio sessions for much longer periods of time, which obviously makes this drug even more popular among those looking to shed bodyfat.
Users of Boldenone 300 also report a dramatic increase in vascularity, which can also be attributed to the oxidizing benefits of Boldenone Undecylenate. Bodybuilders using Boldenone 300 in a cutting cycle often look to stack it with an oral steroid such as Stanozolol or Oxandrolone to further increase anabolic activity while keeping estrogenic side effects out of the picture.
Boldenone 300 also has properties which make it very favorable amongst Bodybuilders looking to incorporate it into their bulking cycles. Users of Boldenone 300 often report an increase in appetite and the ability to eat more food easily when trying to gain weight in the offseason. The mild nature and steady gains produced by Boldenone 300 also make it very effective for those looking to do longer cycles (12-20 weeks ), where as most users note a continuous gain in muscle mass and strength over this time and credit the steroid with helping the muscles maintain a more defined, vascular tone throughout bulking .
Bodybuilders looking for size often stack Boldenone 300 with other anabolic drugs such as a testosterone preparation and/or Deca-Durabolin.
Women bodybuilders are also fond of Boldenone 300 due to its mild nature and low androgenic properties. The most often side effect of the drug being an increase in libido, women find that the drug rarely causes any masculizing side effects when kept in a reasonable dosage range.
Male bodybuilders generally take Boldenone 300 in doses of 300-800 mg a week for 8-20wks, depending on goals, while women bodybuilders often find a dosage of 50-100 mg a week to be very effective for making quality gains while keeping side effects to a minimum. Boldenone 300 has a long half life (7-10) days and is most commonly injected twice per week to keep blood concentrations as steady as possible.
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You can't call yourself an io games master if you haven't played Among Us Shooter. Join online battle for the first place on the leaderboard
The main goal is to become the strongest player and survive for as long as possible. Also you can complete some ongoing quest in Among Us Shooter to receive extra XP points.
Among Us Shooter can be played solo, with friends or with online players all over the world. Unlocked and fully accessible version without lags. The game is added about 1 day ago and so far 2.5k people had played, liked 144 times and disliked 36 times. The overall rating of Among Us Shooter is 7.4. If you liked this game try also Eggl io and Rollz io.
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Black Elastic Latin PantCustom-made, Ship in 22-30 Days
Proper measurements ensure a proper fit. Please click to find Body Measurement information. Our custom-made dancewear is made quite fitted, if you want a loose outfit, please give allowances to your measurement. Our custom-made clothing is specially made to order for you; ALL SALES ARE FINAL, NO RETURN IS ACCEPTED UNLESS IT IS PROVED TO BE OUR ERROR.
Availability:Usually ships in 22-30 days (approx 15-20 days for Order Processing & Production and 7-10 days for?Shipping & Delivery). Please allow few days more during the high seasons. For international items, customs processing time of different countries may vary.
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Workers' Compensation
Workers' compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work.
Additionally, this coverage protects an employer from being sued by an injured worker in most cases.
Terry Insurance Agency can help your business find complete solutions to your unique workers compensation insurance needs. We'll find solutions that create safer and more productive workplaces, more confident and secure workers and overall savings you'll see on the bottom line.
Coverage for office workers using their own vehicles on company business is often needed, as well. If you have employees, it is critical that you consider this workers compensation coverage.
Arkansas – What you need to know about workers compensation insurance
Some Workers Compensation coverage can include:
- Innovative payment systems
- Medical disability case managers
- Utilization management nurses
- Certified life care planning nurses
- Vocational rehabilitation consultants
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- Managed prescription drug program
To find out more about this product and other products and services, contact Terry Insurance Agency today by calling 501-941-2069.
Need an insurance quote? Get in touch!
Access quotes from Arkansas's most trusted insurance carriers. It's comparison shopping at the click of a mouse.


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What is the best credit card?
Updated on November 08, 2020
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View a map with driving directions using your preferred map provider: Google Maps, Bing Maps, or MapQuest.
The total driving distance from ZLO to GDL is 212 miles or 341 kilometers.
Your trip begins at Playa de Oro International Airport in Manzanillo, Mexico. It ends at Don Miguel Hidalgo y Costilla International Airport in Guadalajara, Mexico.
If you are planning a road trip, you might also want to calculate the total driving time from ZLO to GDL so you can see when you'll arrive at your destination.
You can also calculate the cost of driving from ZLO to GDL based on current local fuel prices and an estimate of your car's best gas mileage.
If you're meeting a friend, you might be interested in finding the city that is halfway between ZLO and GDL.
Planning to fly a plane instead? You might be more interested in calculating the straight line distance to fly from ZLO to GDL.
Travelmath helps you find driving distances based on actual directions for your road trip. You can get the distance between cities, airports, states, countries, or zip codes to figure out the best route to travel to your destination. Combine this information with the fuel cost tool to find out how much it will cost you to drive the distance, or compare the results to the straight line distance to determine whether it's better to drive or fly. You can print out pages with a travel map.


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Contact Info
Dover, Arkansas 72837
- Phone 1:
- 479-890-6774
A summary of what Arkansas River Valley has to offer.
Not surprisingly, most visitors head for Hot Springs National Park to enjoy a soak in the steamy natural baths for which the park was named.
Searchable list of Arkansas River Valley tour companies, guides and outfitters, rental companies and more.
Full information on Arkansas River Valley Tourist Attractions, Scenic Drives and other easy vacation activities…
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Use our easy Lodging Search to find exactly the type of accommodation you are looking for at the right price.Search Now
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Searchable lists of Arkansas River Valley tourism offices and other helpful government agencies.
Explore destinations near Arkansas River Valley.
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Estimated read time: 8-9 minutes
This archived news story is available only for your personal, non-commercial use. Information in the story may be outdated or superseded by additional information. Reading or replaying the story in its archived form does not constitute a republication of the story.
Associated Press
(AP) - A federal crackdown on illicit foreign supplies of human growth hormone has failed to stop rampant misuse, and instead has driven record sales of the drug by some of the world's biggest pharmaceutical companies, an Associated Press investigation shows.
The crackdown, which began in 2006, reduced the illegal flow of unregulated supplies from China, India and Mexico.
But since then, Big Pharma has been satisfying the steady desires of U.S. users and abusers, including many who take the drug in the false hope of delaying the effects of aging.
From 2005 to 2011, inflation-adjusted sales of HGH were up 69 percent, according to an AP analysis of pharmaceutical company data collected by the research firm IMS Health. Sales of the average prescription drug rose just 12 percent in that same period.
EDITOR'S NOTE _ Whether for athletics or age, Americans from teenagers to baby boomers are trying to get an edge by illegally using anabolic steroids and human growth hormone, despite well-documented risks. This is the second of a two-part series.
Unlike other prescription drugs, HGH may be prescribed only for specific uses. U.S. sales are limited by law to treat a rare growth defect in children and a handful of uncommon conditions like short bowel syndrome or Prader-Willi syndrome, a congenital disease that causes reduced muscle tone and a lack of hormones in sex glands.
The AP analysis, supplemented by interviews with experts, shows too many sales and too many prescriptions for the number of people known to be suffering from those ailments. At least half of last year's sales likely went to patients not legally allowed to get the drug. And U.S. pharmacies processed nearly double the expected number of prescriptions.
Peddled as an elixir of life capable of turning middle-aged bodies into lean machines, HGH _ a synthesized form of the growth hormone made naturally by the human pituitary gland _ winds up in the eager hands of affluent, aging users who hope to slow or even reverse the aging process.
Experts say these folks don't need the drug, and may be harmed by it. The supposed fountain-of-youth medicine can cause enlargement of breast tissue, carpal tunnel syndrome and swelling of hands and feet. Ironically, it also can contribute to aging ailments like heart disease and Type 2 diabetes.
Others in the medical establishment also are taking a fat piece of the profits _ doctors who fudge prescriptions, as well as pharmacists and distributors who are content to look the other way. HGH also is sold directly without prescriptions, as new-age snake oil, to patients at anti-aging clinics that operate more like automated drug mills.
Years of raids, sports scandals and media attention haven't stopped major drugmakers from selling a whopping $1.4 billion worth of HGH in the U.S. last year. That's more than industry-wide annual gross sales for penicillin or prescription allergy medicine. Anti-aging HGH regimens vary greatly, with a yearly cost typically ranging from $6,000 to $12,000 for three to six self-injections per week.
Across the U.S., the medication is often dispensed through prescriptions based on improper diagnoses, carefully crafted to exploit wiggle room in the law restricting use of HGH, the AP found.
HGH is often promoted on the Internet with the same kind of before-and-after photos found in miracle diet ads, along with wildly hyped claims of rapid muscle growth, loss of fat, greater vigor, and other exaggerated benefits to adults far beyond their physical prime. Sales also are driven by the personal endorsement of celebrities such as actress Suzanne Somers.
Pharmacies that once risked prosecution for using unauthorized, foreign HGH _ improperly labeled as raw pharmaceutical ingredients and smuggled across the border _ now simply dispense name brands, often for the same banned uses. And usually with impunity.
Eight companies have been granted permission to market HGH by the U.S. Food and Drug Administration, which reviews the benefits and risks of new drug products. By contrast, three companies are approved for the diabetes drug insulin.
The No. 1 maker, Roche subsidiary Genentech, had nearly $400 million in HGH sales in the U.S. last year, up an inflation-adjusted two-thirds from 2005. Pfizer and Eli Lilly were second and third with $300 million and $220 million in sales, respectively, according to IMS Health. Pfizer now gets more revenue from its HGH brand, Genotropin, than from Zoloft, its well-known depression medicine that lost patent protection.
On their face, the numbers make no sense to the recognized hormone doctors known as endocrinologists who provide legitimate HGH treatment to a small number of patients.
Endocrinologists estimate there are fewer than 45,000 U.S. patients who might legitimately take HGH. They would be expected to use roughly 180,000 prescriptions or refills each year, given that typical patients get three months' worth of HGH at a time, according to doctors and distributors.
Yet U.S. pharmacies last year supplied almost twice that much HGH _ 340,000 orders _ according to AP's analysis of IMS Health data.
While doctors say more than 90 percent of legitimate patients are children with stunted growth, 40 percent of 442 U.S. side-effect cases tied to HGH over the last year involved people age 18 or older, according to an AP analysis of FDA data. The average adult's age in those cases was 53, far beyond the prime age for sports. The oldest patients were in their 80s.
Some of these medical records even give explicit hints of use to combat aging, justifying treatment with reasons like fatigue, bone thinning and "off-label," which means treatment of an unapproved condition
Even Medicare, the government health program for older Americans, allowed 22,169 HGH prescriptions in 2010, a five-year increase of 78 percent, according to data released by the Centers for Medicare and Medicaid Services in response to an AP public records request.
"There's no question: a lot gets out," said hormone specialist Dr. Mark Molitch of Northwestern University, who helped write medical standards meant to limit HGH treatment to legitimate patients.
And those figures don't include HGH sold directly by doctors without prescriptions at scores of anti-aging medical practices and clinics around the country. Those numbers could only be tallied by drug makers, who have declined to say how many patients they supply and for what conditions.
First marketed in 1985 for children with stunted growth, HGH was soon misappropriated by adults intent on exploiting its modest muscle- and bone-building qualities. Congress limited HGH distribution to the handful of rare conditions in an extraordinary 1990 law, overriding the generally unrestricted right of doctors to prescribe medicines as they see fit.
Despite the law, illicit HGH spread around the sports world in the 1990s, making deep inroads into bodybuilding, college athletics, and professional leagues from baseball to cycling. The even larger banned market among older adults has flourished more recently.
FDA regulations ban the sale of HGH as an anti-aging drug. In fact, since 1990, prescribing it for things like weight loss and strength conditioning has been punishable by 5 to 10 years in prison.
Steve Kleppe, of Scottsdale, Ariz., a restaurant entrepreneur who has taken HGH for almost 15 years to keep feeling young, said he noticed a price jump of about 25 percent after the block on imports. He now buys HGH directly from a doctor at an annual cost of about $8,000 for himself and the same amount for his wife.
Many older patients go for HGH treatment to scores of anti-aging practices and clinics heavily concentrated in retirement states like Florida, Nevada, Arizona and California.
These sites are affiliated with hundreds of doctors who are rarely endocrinologists. Instead, many tout certification by the American Board of Anti-Aging and Regenerative Medicine, though the medical establishment does not recognize the group's bona fides.
The clinics offer personalized programs of "age management" to business executives, affluent retirees, and other patients of means, sometimes coupled with the amenities of a vacation resort. The operations insist there are few, if any, side effects from HGH. Mainstream medical authorities say otherwise.
A 2007 review of 31 medical studies showed swelling in half of HGH patients, with joint pain or diabetes in more than a fifth. A French study of about 7,000 people who took HGH as children found a 30 percent higher risk of death from causes like bone tumors and stroke, stirring a health advisory from U.S. authorities.
For proof that the drug works, marketers turn to images like the memorable one of pot-bellied septuagenarian Dr. Jeffry Life, supposedly transformed into a ripped hulk of himself by his own program available at the upscale Las Vegas-based Cenegenics Elite Health. (He declined to be interviewed.)
These promoters of HGH say there is a connection between the drop-off in growth hormone levels through adulthood and the physical decline that begins in late middle age. Replace the hormone, they say, and the aging process slows.
"It's an easy ruse. People equate hormones with youth," said Dr. Tom Perls, a leading industry critic who does aging research at Boston University. "It's a marketing dream come true."
Associated Press Writer David B. Caruso reported from New York and AP National Writer Jeff Donn reported from Plymouth, Mass. AP Writer Troy Thibodeaux provided data analysis assistance from New Orleans.
AP's interactive on the HGH investigation: http://hosted.ap.org/interactives/2012/hgh
The AP National Investigative Team can be reached at investigate(at)ap.org
(Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)


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Everyone deserves to be healthy and express their full potential from the time they are born through their last breath of life. This includes you!
To help you maximize your ability to heal from an injury, pain or health problem, to identify underlying conditions that you may not feel yet, or to achieve optimum health and peak performance levels, the following scientific and philosophical premises should be applied to your health care and lifestyle.
Innate Intelligence
You have, within you, an Innate Intelligence. Present from the moment you were conceived, this intelligence grew you from 1 cell into over 80 quadrillion cells that were organized and specialized to keep you healthy and functioning at your highest level throughout your lifetime. This Innate Intelligence guides the processes in your body that turn food into cells, eliminate waste products, coordinate muscle contraction and communicate with or without your conscious thought to every cell, tissue and organ of your body via your nervous system. As long as there is no interference to this system, you have the capability to heal, feel great, be healthy and function well for a lifetime. Nurture this Intelligence for the development of your human potential and you will set personal records in all areas of your life.
Unfortunately, there can be interference to the communication and expression of this intelligence within your body. This interference causes dis-ease, weakness, and imbalances within your nervous system that can cause all types of immediate health problems. Or, this interference can lie dormant and asymptomatic for decades, leading to severe health conditions, chronic pain, deterioration and disease down the road.
Nerve Interference in the spine is called a vertebral subluxation. Lifestyle Interference is a result of poor health habits such as overeating, poor nutrition, excessive drinking, taking prescription or non-prescription drugs, or sitting too much. Environmental Interference is caused by toxicity from air, food, water, or chemicals, as well as accidents or natural disasters. All three types of interference can cause pressure in your spine and nervous system and affect your health on every level.
Using a variety of chiropractic techniques, we will work to remove this interference from your body so that you can heal quickly, stabilize, regenerate and achieve optimum health and peak performance levels for a lifetime.


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comment on virginia tech shooting tragedy
A comment on this page regarding the shooting tragedy at the Virginia Tech is pasted below --- my view is that basically voilence, sex, drugs, and other misbehaviours should be removed from media (books, movies, internet, videos) and faith and spirituality should be reinforced in this country and culture, in order to avoid tese things. The first thing that should be done though is to stop sales of guns, handguns, rifles, etc. to each and everyone (except the police) and call back all guns that have been sold/registered.
Many will again be asking "Why"
I believe that Darrell Scott, the father of Rachel Scott, a victim of the Columbine HIgh School shooting in Littleton, Colorado, answered that question in his address to the House Judiciary Committee's subcommittee. What he said to our national leaders during this special session of Congress was painfully truthful.
They were not prepared for what he was to say, nor was it received well. It needs to be heard by every parent, every teacher, every politician, every sociologist, every psychologist, and every so-called expert! These courageous words spoken by Darrell Scott are powerful, penetrating, and deeply personal. There is no doubt that God sent this man as a voice crying in the wilderness. The following is a portion of the transcript:
"Since the dawn of creation there has been both good & evil in the hearts of men and women. We all contain the seeds of kindness or the seeds of violence. The death of my wonderful daughter, Rachel Joy Scott, and the deaths of that heroic teacher, and the other eleven children who died must not be in vain. Their blood cries out for answers.
"The first recorded act of violence was when Cain slew his brother Abel out in the field. The villain was not the club he used.. Neither was it the NCA, the National Club Association. The true killer was Cain, and the reason for the murder could only be found in Cain's heart.
"In the days that followed the Columbine tragedy, I was amazed at how quickly fingers began to be pointed at groups such as the NRA. I am not a member of the NRA. I am not a hunter. I do not even own a gun. I am not here to represent or defend the NRA - because I don't believe that they are responsible for my daughter's death. Therefore I do not believe that they need to be defended. If I believed they had anything to do with Rachel's murder I would be their strongest opponent.
I am here today to declare that Columbine was not just a tragedy — it was a spiritual event that should be forcing us to look at where the real blame lies! Much of the blame lies here in this room. Much of the blame lies behind the pointing fingers of the accusers themselves. I wrote a poem just four nights ago that expresses my feelings best. This was written way before I knew I would be speaking here today:
Your laws ignore our deepest needs,
Your words are empty air.
You've stripped away our heritage,
You've outlawed simple prayer.
Now gunshots fill our classrooms,
And precious children die.
You seek for answers everywhere,
And ask the question "Why?"
You regulate restrictive laws,
Through legislative creed.
And yet you fail to understand,
That God is what we need!
" Men and women are three-part beings. We all consist of body, mind, and spirit. When we refuse to acknowledge a third part of our make-up, we create a void that allows evil, prejudice, and hatred to rush in and wreak havoc. Spiritual presences were present within our educational
systems for most of our nation's history. Many of our major colleges began as theological seminaries. This is a historical fact. What has happened to us as a nation? We have refused to honor God, and in so doing, we open the doors to hatred and violence. And when something as terrible as Columbine's tragedy occurs — politicians immediately look for a scapegoat such as the NRA. They immediately seek to pass more restrictive laws that contribute to erode away our personal and private liberties. We do not need more restrictive laws. Eric and Dylan would not have been stopped by metal detectors. No amount of gun laws can stop someone who spends months planning this type of massacre. The real villain lies within our own hearts.
"As my son Craig lay under that table in the school library and saw his two friends murdered before his very eyes, he did not hesitate to pray in school. I defy any law or politician to deny him that right! I challenge every young person in America, and around the world, to realize that on April 20, 1999, at Columbine High School prayer was brought back to our schools. Do not let the many prayers offered by those students be in vain. Dare to move into the new millennium with a sacred disregard for legislation that violates your God-given right to communicate with Him. To those of you who would point your finger at the NRA — I give to you a sincere challenge. Dare to examine your
own heart before casting the first stone!
My daughter's death will not be in vain! The young people of this country will not allow that to happen!"
— Posted by Al Montreuil


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BlueChart® g3 Vision® HD - VUS009R - Jacksonville - Key West - microSD™/SD™
Featuring data from the Explorer Charts of the Bahamas. Darien, GA to Key West, FL including the entire St. John's River, the St. Lucie Canal, Lake Okeechobee, with coverage over to Ft. Myers. Also includes detailed coverage of Bimini, the Abacos and Grand Bahama Island.
Premier Coastal Navigation Charts
Experience unparalleled coverage and brilliant detail on the water. BlueChart g3 Vision coastal charts provide industry-leading coverage, clarity and detail with integrated Garmin and Navionics data, Auto Guidance technology and high-resolution relief shading..
Auto Guidance Technology
The Auto Guidance feature¹ uses your desired depth and overhead clearance to calculate a route and a suggested path to follow.
High-resolution Relief Shading Feature
High-resolution relief shading combines color and shadow to give you an easy-to-interpret, clearer view of bottom structure than contour lines alone.
Up to 1' Contours
The closer the contour lines, the more accurate the depiction of the bottom structure for improved fishing charts and navigation in swamps, canals and marinas.
NOAA Raster Cartography
If you prefer your display to have the look of paper charts, NOAA raster cartography2 is available as a free downloadable feature via the ActiveCaptain® app.
Depth Range Shading
This feature provides up to 10 depth ranges, enabling you to view your target depth at a glance.
Shallow Water Shading
This feature allows you to use shading to designate the shallow water depths you need to avoid.
High-resolution Satellite Imagery
These detailed images of ports, marinas, bridges and navigational landmarks help provide you with superior situational awareness.
Unique 3-D Views
MarinerEye and FishEye views provide additional perspective both above and below the water line.
¹Auto Guidance is for planning purposes only and does not replace safe navigation operations ²Raster cartography cannot be viewed on echoMAP CHIRP and ECHOMAP Plus combos but can be viewed on mobile devices via the ActiveCaptain mobile app
WARNING: This product can expose you to chemicals which are known to the State of California to cause cancer, birth defects or other reproductive harm. For more information go to P65Warnings.ca.gov.


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Printed Safari Circle with Name
Printed on 3mm thick mdf
The name is in 3mm mdf and comes separate for painting and gluing.
Sizes Available(*)
(*) Sizes advertised are based on the longest dimension
Laser Cut MDF Craft Shapes, Accessories and Embelishments for Crafters and Hobbyists.
All of our crafting shapes and blanks are laser cut(*) for a clean precision crafting blank or detailed shape.
We reserve the right to alter any designs at any time, by purchasing this item you agree to our Terms & Conditions (opens in new window).