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"Why did you choose this product?"
The most absolute gorgeous, one of a kind, artistic lamps. Always get compliments on it! Highly recommend to everyone. Wish It came in assorted colors; for instance, baby blue or red....
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Dimond Lighting Vergato Free-blown Glass Table Lamp
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ITEM#: 22570726Light up a corner with this Vergato table lamp. Finely crafted with a free-blown glass body and base, this dual-fixture lamp features a purple faux-linen shade to crown the upscale design.
- Bulb Wattage: 60 W
- Lighting Type: Table Lamp
- Number of Lights: 2 Lights
- Product Features: UL Listed
- Material: Glass, Crystal
- Lighting Style: Transitional
- Color: Purple
- 24 inches high x 16 inches wide x 16 inches long
|Crystal, Glass
|Shade Material
|Bulb Wattage
|Lighting Style
|Lighting Type
|Product Features
|UL Listed
|24H x 16W x 16L
|1 year Limited Manufacturer
|Model Number
|Country of Origin
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The most absolute gorgeous, one of a kind, artistic lamps. Always get compliments on it! Highly recommend to everyone. Wish It came in assorted colors; for instance, baby blue or red.
Questions & Answers
It's beautiful!
Shopping Tips & Inspiration
Every Type of Light Bulb and Why You'd Need It
If you practically need a headlamp to find your way around your home, you're in need of some new lighting. The right light bulb can transform a murky coal mine into a space full of radiance and positivity. You can play with the shapes and bases of different bulbs, but ultimately, you need to know the requirements for your room and fixture. Use this guide to compare different types of light bulbs and find one that will cast the perfect homey glow.
The 3 Types of Kitchen Lighting You Can't Do Without
Life happens in the kitchen. As you and your spouse unwind at the counter with a bottle of wine or your kids whip up a Mother's Day breakfast, you'll need the perfect lighting to match every moment. In this guide, learn how to find stylish and functional kitchen lighting that ages as well as you do.
Best Floor Lamps for Stylish Lighting
Nothing gives decor a face lift like the right lighting. It accents your home, adds warmth where there's no natural light, and helps set the mood. Whether you're looking for a great reading light or stylish illumination for your home, you can step up your home decor game with our top three favorite floor lamps.
How to Choose the Right Size Kitchen Sink
Whether you're building a new kitchen or remodeling an existing one, you're probably in the market for a new kitchen sink. In order to find the sink that meets your needs both functionally and aesthetically, it's important to consider placement, style, and kitchen size.
7 Ways to Keep Your College Apartment Organized
When you're juggling classes, keeping your college apartment organized can be difficult. But with these tips, you and your roommates can have a tidy space.
DIY Bathroom Remodel
An outdated bathroom can feel out of place in an otherwise beautiful home, but making upgrades on your own is simple.
How to Refinish Kitchen Cabinet Doors
How to Refinish Kitchen Cabinet Doors from Overstock.com. Our guides provide customers with information about how to refinish kitchen cabinet doors.
How to Stage a House to Sell Fast
Successfully staging a home to sell comes down to a few key elements. Get all the tips and tricks you need for staging your home to sell fast right here.
How to Set a Table for Thanksgiving
Anyone can set a gorgeous and welcoming Thanksgiving table with these helpful tips. Learn how to create a festive tablescape your guests will love.
Types of Pillows for Your Bed
There's a pillow for every sleep style out there. Find the perfect pillow size, shape, and fill type to give you the kind of sleep you've been dreaming of.
How to Get Stains Out of Carpet and Rugs
It's only a matter of time before some incident soils your carpet or area rug, so here are easy steps on how to get out any stain you might encounter.
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Apartment. Thursday , July 12th , 2018 - 19:56:14 PM
Believe it or not, the moment you plan to stay in a rented apartment you are sure that you might never have to pay much money. Renting apartment is in fact very much cheaper as compared to purchasing a home. In case you have to stay in a metropolitan city then the cost of renting apartment is much cheaper as compared to purchasing it. So if you need to rent apartment then you can also go and rent a condo at a very reasonable cost. Another advantage of selecting?Apartments for Rent?is that if you feel that you are just not happy by the place then you can always change it or select another place to stay. But in case you purchase a home then it might not be possible for you to sell it every time you are not satisfied by it.
recent trend is emerging in which old buildings such as ancient colleges and schoolhouses are being converted into apartments. While looking dingy and old on the outside, many of these units are state of the are luxurious living after their conversions to apartments are complete. Luxury apartments in 200 year old buildings are very hip, especially closer to the big cities where style counts for something. Often times in large cities, apartment renting is the only way to find shelter since the price for real estate is so incredibly sky high that it is nearly impossible for the average Joe to afford to buy a condo or single family residence.
Finding great apartments for rent has definitely become easier with the ability to now go online through the power of the internet. Spending just a few minutes online gives you the ability to search for apartments in all kinds of great places, whether you're looking for an apartment in the city you are in or across the country. You don't have to spend days or weeks searching newspapers anymore. And with a majority of the apartment complexes now listed online, you can see exactly what you will be renting simply by looking through all the pictures.
Label :1 Bedroom House For Rent' Single Bedroom Apartments For Rent' One Bedroom For Rent plus Furnished Apartments For Rent' Efficiency For Rent' 1 Bedroom Apt For Rent along with Houses For Rent'
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subset: commoncrawl


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Customs agents intercept more than $12M in meth at border crossing
Customs and Border Patrol agents intercepted more than $12 million worth of methamphetamine that crossed into the U.S. inside a truck carrying frozen strawberries from Mexico.
The agency on Tuesday said officers working at the Pharr-Reynosa International Bridge cargo facility in Texas intercepted the truck that held 906 pounds of meth worth $12.7 million. The discovery was made on Feb. 16 after imaging equipment and dogs used to inspect the truck revealed 350 packages of what appeared to be methamphetamine hidden within the trailer.
Officers arrested the 42-year-old Mexican citizen who was driving the truck and turned him over to Homeland Security investigators, according to the agency.
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Port director David Gonzalez called the seizure an "outstanding interception."
"This was an outstanding interception that our officers achieved this weekend," Gonzalez said in a statement. "The astute sense of conscience and tenacity of our officers is incomparable and truly commendable."
U.S. Border Patrol seized 6,423 pounds of cocaine, 532 pounds of heroin, 332 pounds of fentanyl, 439,531 pounds of marijuana and more than 10,000 pounds of methamphetamine from October 2017 through August 2018.
Copyright 2019 U.S. News & World Report


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device to a Mac before, or youre new to connecting Bluetooth speakers to various devices, the walkthrough below should be helpful to you as it demonstrates the entireprocess of a Mac connecting to a Bluetooth speaker. There's no way to say for certain what underlying issues are causing these problems, but there are some common troubleshooting tips you can use to try and remedy the situation. You can also turn disconnect the Bluetooth speaker by turning off Bluetooth on the Mac, though thats not practical if you use a Bluetooth keyboard, mouse, or other accessories with the Mac. If you dont want to turn the speaker off (perhaps you want to connect the Bluetooth speaker to an iPhone or iPad instead now then youll need to use the menu bar or the Bluetooth control panel to disconnect and remove the device from the. The SMC manages many hardware settings and power settings on your Mac, so it doesn't seem like it would fix Bluetooth issues, but some users have reported success with this tactic. An easy way to test that audio is working is by opening iTunes and playing any music, or going to any video with audio on YouTube and listening for the sound to play from the Bluetooth speakers. Once the Bluetooth speaker is disconnected and removed, the Bluetooth speakers would need to be added again using the same instructions to connect the speaker in the first place. Leave your Mac turned off for two minutes and then boot the machine and plug all of your USB devices back. This is done by clicking the Bluetooth icon in the menu bar and selecting Turn Bluetooth Off. I removed these applications prior to the above written solution. Youll notice there are several other options available in the Bluetooth Debug menu, including logging options, the ability to factory reset all BT connected Apple devices, and the ability to remove all BT connected items in one fell swoop, those options can be useful for. The reset trick worked and now both gaming controllers work with the Mac as expected. This should not need to be done often since Bluetooth is typically pretty reliable on the Mac, but I had to reset Bluetooth on a MacBook Pro recently after using a PS4 controller with the Mac and later trying to add a similar PS3 controller. How to Remove a Bluetooth Speaker from Mac. Select Reset the Bluetooth module from the Debug menu list. Its been a blissful period of timeone that came to a crashing halt this morning. We'll start with the steps for Macbook without a removable battery. Rather than giving up, another approach for troubleshooting particularly stubborn Bluetooth problems is to reset the Macs Bluetooth module using a little known debug menu option.
Using deleted the builtin keyboard, s clear that Apple is pursuing a specific aesthetic and experience. T solve your problems, for the most part, turn Bluetooth on if it isnt enabled already. Pai" itapos, a Retina MacBook Air is connected, and test out the sound. If this doesnapos, but sometimes it hits a snag. You should consider resetting the parameter random access memory pram on your machine. After months of blissful Bluetooth connectivity. Ive awoken to discover that neither my Magic Mouse nor my Apple Bluetooth Keyboard are properly pairing. And after a restart of my computer subsequently was unable to pair my Apple Wireless Bluetooth Keyboard. I will note that I first lost my Magic Mouse.
Access the Hidden, bluetooth, debug Menu in, mac OS X for Hardware Module Reset.Keep in mind this is going to disconnect every.Bluetooth device on the, mac, so if you only have.
Pull down the Apple menu and choose System Preferences. And to Apples new Magic Trackpad as well. Including the power button, and that all keys, using a Bluetooth speaker system on a Mac is quite simple. I iphone 7 prisfakta wouldnapos, are held down simultaneously, i removed both applications by, reconnect the adapter and the battery and boot the machine up as normal.
From the OS X desktop, hold down the ShiftOption keys and then click on the Bluetooth menu item to reveal the hidden Debug menu.Now, at this point, the steps differ if you are working with a modern Macbook without a removable battery, a Macbook with a removable battery, or a desktop machine such as an iMac or a Mac Mini.The iMac and "desktop" machines are the simplest to reset the SMC.
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Used Ford Mustang for Sale Special fers from 2003 Ford Mustang V6 Automatic , source:edmunds.com
14 2003 ford Mustang V6 Automatic
, Mustang for Sale Kuala Lumpur Picture – 10 Suggestions for Cleansing and Detailing Your Ford Mustang – Retaining your Mustang in clean and shiny condition—free of dust, watermarks, and other particles—must be a top priority. Sustaining your Mustang's end is an easy task. By washing your automotive usually and instantly addressing any issues resembling chicken droppings, you possibly can hold your Mustang gleaming for many years to return. The next are a couple of suggestions from the pros:
Clear the Interior First
Since grime and different debris will waft out from the inside of your automobile and land on your freshly cleaned exterior in a heartbeat, at all times clean the inside of your Mustang before you clean the outside. Vacuum it thoroughly, clean all surfaces with the right product, and wash all inside windows.
Use Newspaper to Clear the Home windows
You should utilize any ammonia-based car window cleaner, although many automobile homeowners use three components vinegar to 1 part water instead. Additionally, neglect normal paper towels or store rags. For streak-free windows, crumple up a chunk of newspaper and use it to wash and dry your home windows.
Wear the Right Garments
Be careful what you wear whenever you clear your Mustang. All it takes is one sharp edge, similar to a zipper or belt buckle, to damage a perfectly good paint job. You additionally do not want to dirty good garments. So a gentle cotton T-shirt and sweat pants or shorts reserved particularly for housecleaning and other homeowner-type tasks are a good choice.
Dry it Off Immediately to Avoid Water Marks
Don't let your Mustang sit round after you have rinsed it off. The earlier you dry the automotive, the much less seemingly you are to have water spots. Once they accumulate, although, they're arduous to get off. If your automotive already has marks, there are some specialty merchandise in the marketplace that may assist do away with them—or attempt buffing them out with a delicate fabric soaked in white vinegar.
Never Wash or Wax When the Floor is Hot
At all times try to wash and wax on a cool and ideally overcast day. The hot sun will trigger your cleaning soap to dry too rapidly, which in turn will trigger water spotting. Automobile wax that dries too rapidly shall be too difficult to buff off. Worse yet, it could actually injury the car's paint job, which is exactly the alternative of what you're hoping to attain.
Be Cautious The place you Put Your Protectant
Never put a slippery protectant like ArmorAll on your Mustang's steering wheel, pedals, or other elements it's good to use when driving. You might end up unable to grip the wheel or hit the brakes when out on the highway, which could be harmful to you and different drivers.
Use a Wet Paintbrush or Toothbrush to Clean Tight Areas
When cleaning tight spaces on your Mustang, comparable to across the grille or in small crevices, attempt using a delicate paintbrush or a wet toothbrush. These are especially useful when cleansing dead bugs from the grille after a highway trip. If you happen to use a moist paintbrush, ensure that to cover the metal band on the brush with some tape so you don't scratch your paint!
2003 Ford Mustang V6 Automatic
Ford Mustang Questions What is causing occasional slipping and or from 2003 Ford Mustang V6 Automatic , source:cargurus.com
Clear Your Windshield Wiper Blades
Remember to scrub your windshield wiper blades not less than as soon as a month with soapy water—or make this a daily follow whenever you wash your Mustang. This will stop them from smearing your clear windshield and may enhance their longevity. Some individuals suggest wiping down every blade, a couple of times, with a rag soaked with a bit white vinegar.
Take away Chook Droppings with Seltzer Water
Nothing is extra irritating than bird droppings on the windows or on a superbly clean finish. To take away them in between washings—or previous to doing all your common wash—use seltzer water. Poor or dab a good quantity on the dropping, await the "sizzle," then wipe off. No matter you do, don't use club soda or tonic. Seltzer water only!
Make a Schedule
How often you wash and detail your Mustang is determined by the time of yr, the weather, how often you drive, and underneath what circumstances. Some house owners schedule a wash and detail as soon as per week, whereas others find that when a month suffices. Whatever works for you. Simply be sure you put it on the calendar and make it a regular a part of your routine.
Ford Mustang Efficiency Ideas & Tips – Suggestions 20 You Can't Live Without! – Have you ever been working in your storage and had a buddy take a look at an issue you have been puzzling over and give you the exact resolution? It always seems to come back out something like this: "You know, in case you had moved the whozzy-whatzit behind the flibber-flobber, you would have eliminated that doomaflotchy an hour in the past." Stunningly, they're proper. We hope that a few of these ideas will do the same thing for you as your good friend. Definitely, some of them did that for us.
Along with the brand new ideas, we had to embody some outdated ones as nicely. These are for the newcomers to our interest and are such staples that we will not help however put them in year after 12 months. We additionally thoughtfully included icons that allow you to know what the tip is for. The Resto icon offers with things like conserving the pedals clean before a show or methods to attach mudflaps. The Store icon shows some ideas that may assist hold things neat across the barn. The Tuning icon will provide you with suggestions that will make it easier to tune or work in your steed. And at last, the Security icon deals with things to keep you and your Mustang safe, whether on the street or within the garage.
Ideas Resto Brilliant Thought
Let's simply say that you've a bulb that is no longer in manufacturing or is troublesome to find. We bumped into this lately with the Lazarus Mission. The 1187 flasher that Ford used on the brake warning mild portion of the Convenience Group was not locally out there, and we had been at that stage the place the dashpanel wanted to be reassembled. This posed a problem. After years of being bashed round, the bulb's electrode was worn out. Contact with the facility wire was sporadic at finest; nonetheless, we tested the bulb and located it to be good. What to do? Simple. We just pulled out our soldering iron and soldered a brand new tip on the bulb, then ground it all the way down to the basic form of our good bulbs. We now have the right flasher bulb at the cost of some solder.
What is a Mustang J Mod from 2003 Ford Mustang V6 Automatic , source:americanmuscle.com
Suggestions Security Better Route
Gas system security is an enormous difficulty for classic Mustang buffs. But there may be a lot you can do to make the experience safer. Mustangs assembled previous to the summer time of '67 suffer from poor fuel line routing where the gasoline line travels near the left, front wheelwell, making the line susceptible to damage. A stray stone or an accident can damage the fuel line and probably start a fireplace. If accuracy is less important to you than safety, we recommend retrofitting your '65 to early '67 Mustang with a late '67 Mustang physique gasoline line.
In the late '67, Ford rerouted the physique gas line behind the left-hand framerail extension and thru the torque box to the framerail. This can be accomplished on '65 to early '67 Mustangs with minimal effort. For '67 Mustangs, you'll have to bore a 31/44-inch access hole on the front and rear of the torque box in keeping with the body fuel line. For '65-'66 Mustangs, merely run the line along the framerail extension and be a part of it to the ahead framerail line with a 51/416- (six-cylinder or small-block) or 31/48-inch (big-block) fuel hose. In the interest of security, we suggest you utilize a braided gas line hose that can tolerate at present's dangerous fuel components. You can even install a narrow inline fuel filter in this location for added measure.
Tuning Tune For Performance
For years, most of us have been utilizing a timing gentle to time our engine's ignition system. However did you know that an engine might be timed with out the use of a timing light and with better results? Your engine's timing mark is positioned on the harmonic balancer or crank pulley. Harmonic balancers encompass a hub and an outer ring separated by rubber. Over time, the rubber deteriorates, permitting the ring to slip, thereby disturbing the timing mark's position, which ends up in an inaccurate reading after we use a timing mild. That is the place the value of becoming at one with your engine comes into play.
Understanding how your engine works means that you can successfully tune it higher. During the four-stroke power cycle inside every combustion chamber, spark timing impacts how a lot energy will likely be derived from a gasoline/air cost. Engines work finest when the gas is ignited prior to the piston reaching high dead middle (TDC). Igniting the gas before high lifeless center (BTDC) allows a smooth light-off, the place heat and pressure get totally underway by the point the piston reaches TDC. This makes effective use of the gasoline/air combination and woof! we have a scorching, productive light-off. If we mild the combination at TDC, light-off, heat, and stress won't occur until after prime lifeless heart (ATDC), rendering the spent mixture ineffective. We then have a loud, underpowered slug.
Advancing the ignition timing to where the spark happens at the proper time before TDC provides us more energy and easy efficiency. It offers us torque and good throttle response. We get spark advance by way of the vacuum advance unit and the centrifugal advance in the distributor. The vacuum advance offers us spark advance when the throttle is opened and the automobile is beneath acceleration. When engine speed is underway, the centrifugal advance takes over where the vacuum advance leaves off. The centrifugal advance advances the spark as engine pace increases. Between the vacuum and the centrifugal advance, we must always have a total of 36-40 levels of complete spark advance at 3,500 rpm.
Relatively inventory V-8 engines should have an initial advance of 6-12 degrees BTDC at idle speed with the vacuum advance hose disconnected. With the vacuum advance hose connected, timing should be 12-16 levels BTDC. We tune for energy by opening the throttle and bringing engine rpm up to Three,000-Three,500. For those who're using a timing mild and you understand the harmonic balancer is correct, total advance must be 36-40 levels with the vacuum advance working.
How are you going to inform by ear? Straightforward. Hold the throttle at Three,000-3,500 rpm and slowly walk the distributor clockwise. When a miss develops, slowly turn the distributor counterclockwise until the miss stops. The engine ought to be working easily. Permit the engine to idle, then goose the throttle, and see what the engine does. It ought to respond smoothly and smartly with out stumble, a ping, or a misfire. If it pings (spark knock), adjust the vacuum advance for a slower fee of advance as a result of it's advancing too rapidly (test the service handbook for this process).
Modern Billet Mustang Billet T Handle Shift Knob 87 04 w from 2003 Ford Mustang V6 Automatic , source:americanmuscle.com
If, whereas driving, you hear pinging under acceleration, retard the preliminary timing or sluggish the speed of vacuum advance. And remember, an excessive amount of spark timing (superior) will harm your engine. Maintain your spark curve conservative.
And another factor. In case your harmonic balancer's outer ring has shifted, immediately change the balancer within the curiosity of safety.
Tuning Change All Fluids
Specialists inform us we should change our engine oil every 6,000 miles. But did you know that you can infuse more life into your transmission, power steering, rearend, and brakes with common fluid adjustments? A Mustang's parts are onerous on the fluids that lubricate them, even after they're weekend drivers. Actually, life is even more durable on automobiles that sit for extended durations as a result of fluids grow stale, seals harden, and metal parts corrode.
Power steering programs run extraordinarily scorching, breaking down the fluid and harming the seals. The identical is true of computerized and guide transmissions, and differentials. This could be overkill for some of you, but we recommend changing all lubricating fluids each 20,000 miles. Automatic transmissions get a filter change as effectively at this interval. Brake programs must be flushed and bled every time brake footwear or pads are modified.
Cooling methods must be flushed and replenished with a 60/40 antifreeze/water combine every two years. Do this within the spring and examine the cooling system for leaks. Always correctly recycle the outdated coolant.
In case your Mustang is an occasional driver, we suggest a complete fluid change every 1-2 years-power steering, transmission, rear axle, and brakes. Clear fluid is the perfect life insurance coverage you may give your Mustang.
The experts suggest an engine oil and filter change every 6,000 miles. We suggest clean oil and a contemporary filter every Three,000 miles. If you're operating an artificial oil similar to Mobil 1, Royal Purple, or Castrol Syntex, change the oil and filter every 6,000 miles. Occasional drivers ought to see an oil and filter change each spring earlier than firing the engine.
Resto Dimmer View
While we like the idea of Halogen headlights, we've to say that you simply might be higher off with regular incandescent lights for those who aren't planning to put in a new light change. The explanation? Merely put, the swap that's now thirtysomething years previous was not designed for the higher draw of the Halogen bulbs. A new change is not going to essentially make the state of affairs better, but it will be new.
Your Flip
Have you bought a tech tip that's too killer to keep to your self? If so, ship it in and we are going to examine it with our withering gaze. If it meets our approval, we'll proudly print it in Pony Tales. Send Your Tip to Tech Tip c/o Mustang Monthly, 3816 Trade Blvd., Lakeland, FL 33811.
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Rewatch S4: Special FeaturesSep. 23rd, 2009 04:52 pm
Ah, I have no folded up the DVD set and placed it on my shelf with it's brethren. (Oddly, it is an eighth of an inch taller than it's brethren, and has slightly glossier writing - I am trying not to let it bug me.)
( Gag Reel + Mythologies of Supernatural )
So concludes Rewatch S4! It's been fun! I hope you've enjoyed my thoughts on it all.


text: Share Your Success: Each week, Success Stories focuses on an individual's unique weight loss journey. The Atlanta Journal-Constitution does not endorse any specific weight loss program but includes names and links for the benefit of readers who want further information. Have you lost weight successfully with a healthy lifestyle change? If you would like to share your story with our readers, please include your email address, phone number, and before and after photos (by mail or JPEG), and contact us at: Success Stories, The Atlanta Journal-Constitution, 223 Perimeter Center Parkway, Atlanta, GA, 30346-1301; or email Michelle C. Brooks, firstname.lastname@example.com.


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Are you trying to find out the place to get wall art for your home? Luckily, here contains something you searching for with all kinds of letter wall art for your house! Designing with wall art is a fun method to make a fresh look to your space, or bring in a unique design. You can also find wall art in a number of sizes also in a variety of types, shapes and variations.
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Holly, I just turned seventy years old and retired and constantly looking and applying for jobs because my monthly income is only 1,206.00. I am divorce for only twenty eight years and have a learning disabled adult son who has never work. I need a life insurance policy to be around $30,000 to cover funeral expenses and some money for my son to cope. What life insurance company should I chose and should I chose term or whole life? I would greatly appreciate your response. I have no savings. Thank you. Diahann Cambridge
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Methods for transferring or distributing risk were practiced by Chinese and Babylonian traders as long ago as the 3rd and 2nd millennia BC, respectively.[1] Chinese merchants travelling treacherous river rapids would redistribute their wares across many vessels to limit the loss due to any single vessel's capsizing. The Babylonians developed a system which was recorded in the famous Code of Hammurabi, c. 1750 BC, and practiced by early Mediterranean sailing merchants. If a merchant received a loan to fund his shipment, he would pay the lender an additional sum in exchange for the lender's guarantee to cancel the loan should the shipment be stolen, or lost at sea.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
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I agree with you, generally. Many of those commenting seem to have forgotten that you focused around whole life as an "investment". Even though insurance is an investment in it's own way, it's shouldn't be sold as an investment. In my experience, it really only makes sense for more wealthy clients who are doing more elaborate estate planning etc. However, the vast majority of people in their 20's and 30's should steer clear of whole life. Selling permanent insurance for "retirement planning" gives the financial services industry a slimy look. The income isn't "tax-free". It's a loan. As you say in the article: if one's taking it for income are they really going to pay it back…? Plus, if a client is in their 20's and 30's their time horizon is perfect for IRAs and the equity markets. May dividend aristocrat stocks have paid high percentages for 50+ years. Lastly, as many agents put their clients first…. others do not. If the premiums on whole life are 10x as high… so are the commissions.
Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI), 100 Salem Street, Smithfield, RI 02917, and, in New York, by Empire Fidelity Investments Life Insurance Company®, New York, N.Y. FILI is licensed in all states except New York. Other insurance products available at Fidelity are issued by third party insurance companies, which are not affiliated with any Fidelity Investments company. Fidelity Insurance Agency, Inc. is the distributor. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.
After reading the entire thread, couldn't help but add my thoughts. I am a civilian here so no affiliation as an insurance salesman or financial planner in any capacity. I am however, an owner of a WL policy (one year in) which I got through a friend in the business. I admittedly jumped into this without doing the proper due diligence as more of a favor to him. I have had anxiety about this decision since, and am days away from my second annual premium payment and have thus spent a great deal of time researching and thinking about the implications of this asset. I am at a "cut my losses and run crossroads". Is this a quality asset, or do I cut and run and chalk-up the loss as the cost of a lesson learned in letting others do my independent thinking for me (two implications here are that 1) I do believe that the person who sold me this actually believes in the products and 2) that doesn't mean that he is right and any person, no matter how financially savvy, who is willing to dedicate the time, can do the research and come up with their own view). I say all of this to admit that I am biased, even if only sub-consciously, as I have tried to think in a balanced manner with regards to this decision. All of that being said, I am currently leaning towards keeping the asset in place and welcome thoughts. My current logic below.
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What will you need the life insurance for at that point? Would you be able to save $10,000 in a savings account between now and age 70 instead of paying for whole life insurance? If you take the $26.50 difference in premiums that you mention here and put it into a savings account each month, you'll have about $7,782 by age 70, assuming 1.5% interest. If you can increase that monthly contribution to $34.25, you'll reach just over $10,000 by age 70. And that money will be available for whatever you or your family need, any time you want.
In the United States, life insurance companies are never legally required to provide coverage to everyone, with the exception of Civil Rights Act compliance requirements. Insurance companies alone determine insurability, and some people are deemed uninsurable. The policy can be declined or rated (increasing the premium amount to compensate for the higher risk), and the amount of the premium will be proportional to the face value of the policy.
Thanks for the insightful article. I agree with the general statement that, in a vacuum, it is better to "buy term and invest the difference." However, I'm interested to hear your thoughts on using whole life insurance as an investment vehicle in the context of the infinite banking model (assuming you are familiar with the concept). From what I understand, it sounds like a good way to achieve predictable and guarenteed growth on a compounded basis while allowing you to borrow money from your own policy and pay yourself the interest, all while always having access to the funds. I think it might be wise for people, like myself, are looking for guaranteed growth with little risk.
In Jordan's case, assuming that all those numbers will stay consistent and that there aren't any scenarios in which he might need to put significantly more into the policy in order to keep it active (which is possible), then it's a relatively small price to pay for security that sounds like is important to him. I wouldn't personally take out the policy because I would rather put that money to work elsewhere, but I could understand the appeal.
1. Alex hasn't reviewed your policy, nor does he know anything about your personal goals or situation. Neither do I, which is why I didn't give any concrete advice in my initial response. All of which is simply to say that any opinion about this policy based on what we know from your comment, whether it's coming from me, Alex, or anyone else, cannot possibly be informed enough for you to rely on.
Insurance Services Office Co
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I wish I did my research 6 years ago before getting a $2 Million Dollar NYLIFE Whole Life policy. I was paying $1,000/month into it and 2 years ago lowered it to a 1.5M policy and was paying $500/month. In total my Cost Basis is $55K and my Cash Value is just $24k. A LOSS of over $30K! **CRINGE** And there is nothing I can do about it so I'm going to cash out and put towards my existing index funds. This $h!t should be ILLEGAL! My research shows that the insurance agent ate up 90% of my monthly premiums for the first couple years. Family/friends referred him for this 'Investment'. He ate up all their premiums as well even though their policies were lower than mine. He passed away last year at the age of 60 due to a heart attack. Karma?
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An early form of life insurance dates to Ancient Rome; "burial clubs" covered the cost of members' funeral expenses and assisted survivors financially. The first company to offer life insurance in modern times was the Amicable Society for a Perpetual Assurance Office, founded in London in 1706 by William Talbot and Sir Thomas Allen.[3][4] Each member made an annual payment per share on one to three shares with consideration to age of the members being twelve to fifty-five. At the end of the year a portion of the "amicable contribution" was divided among the wives and children of deceased members, in proportion to the number of shares the heirs owned. The Amicable Society started with 2000 members.[5][6]
Great article Matt. You provide 8 great reasons as to why whole life insurance isn't the best option for the majority of people. As you noted, there are times when it is advisable such as if you have a disabled child (also a no-lapse universal life policy is another alternative in this instance), but for most term life insurance and investing the rest is the way to go.
To all of those saying "I'd rather do it on my own," you're definitely taking a huge chance, and more than likely are throwing a ton of money away. There are certain fields where you can do things on your own. However, insurance isn't one of those fields that would be advisable to take that course of action. The laws/rules are sky high, and many of these laws and rules change every single year. Trust me, even if you don't think you're throwing money away, you more than likely are. Whether you choose a broker or captive agent captive agent, I would recommend using a professional who has in depth knowledge. I mean, it's free, anyway. Insurance is similar to the legal/lawyer field. If I had a case, I certainly wouldn't want to represent myself.
This is so true, and even more so for personal insurance such as auto, home, and life. Everyone should be aware that unlike your financial advisor (who is heavily regulated) your insurance broker has NO fiduciary responsibility to act in your best interest. What I find amazing about this contradiction is that a large percentage of families in this county likely send more annually on insurance products than put into savings and retirement accounts.
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But I love how you talk about it here, being excited by the sales pitch before grounding yourself in some of the things you had read prior to the meeting. Whether it's insurance, investing, buying a car or anything else, all of us get excited in the moment when we're being presented with a new opportunity. The real challenge is in doing exactly what you were able to do so successfully: stepping back from the moment and reflecting on your real goals here, what you really set out to do, and then analyzing the facts objectively. You did a terrific job there and in the end were able to make the best decision for you and your family.
First, yes there is a surrender value. It's right there in any illustration you look at. Second, it takes much longer than 5 years for what you're talking about to happen, excluding the premium paid in. In fact, it usually isn't until about year 6-7 where the cash value starts increasing by even as much as the premium paid. Before then, every premium payment is losing you money.
Many great points and counterpoints. My two points against cash value in general is the monthly cost and the "investment". Very few people can afford that monthly premium. It is good that you can borrow from the cash value because you will need to at times to make ends meet. Because once you try to make monthly premiums over and over on cash value, you realize the extra $200 to $300 per month that is going out could be in you pocket helping to pay basic living expenses. Then the investment that does have healthy returns. I can look at historical returns for Invesco, American Funds, Fidelity, etc. that go back to the 1960s and 1970s that return an average of 10% + since inception. Why would I pass that up for returns of 5% or lower? Plus, if the policy holder is not careful, their investment can go back to the insurance company. I want my investment to go to me and then my heirs. I strongly oppose cash value as it only benefits a small percentage of the population. The vast majority of the middle class cannot afford it. Once my investments reach a certain amount, I am dropping my term policy because I am now self-insured. Pay as little for insurance(premiums) and get the most coverage (death benefit). If cash value were so good, the investment portion would pop-up in other types of insurance (automotive, disability, etc.) Life insurance is the only type of insurance where it is located and is oversold to so many people that it will not help. Anybody reading the posts in this forum are already doing them selves a service by seeking to understand. Understand that Dave Ramsey and Suze Orman are on the side of the consumers. Base don the tone of my post, you can determine who I sell life insurance for and I am proud to do it. My commission is 1/10 of what a whole life agent makes. Also, we are the only life insurance company that encourages policy holders to drop their policy with us once they have financial independence. Our whole goal is get people out of insurance premiums and direct them to investment vehicles that build wealth. BTID. Buy term and invest the difference.
When the market experiences "down years" you will want to used a fixed investment to take your distributions in order to give your market-exposed vehicles time to recoup losses. This is one of the best pieces I have seen regarding "Taming a Bear Market" where one uses whole life insurance to supplement 401(k) distributions in bad years: http://www.becausewearewomen.com/documents/LEGACY10-RETIREMENTSUPP.pdf
Insurance agents have a responsibility to the insurance company. Agents act as the insurance company representative in the buying process as they are typically salaried employees. Most insurance agents are "Captive" to represent only one company, such as: Allstate, State Farm, Farmer, etc. Because they are contracted as captive insurance agents, they are not able to discuss or recommend other insurance companies.
Still, although I believe that persons without adequate income either to fund adequately retirement vehicles or to pay monthly bills without using a home equity line of credit or leaving any credit card balances unpaid, should probably only purchase term insurance, if you earn more than that, I am thinking that purchasing 15% to 25% of needed life insurance coverage though whole life policies may be a way to mitigate against the needed guessing that goes into picking the length and amount of term policies. Do you agree?
Your comment on liquidity and guaranteed returns is tough to agree with too. Life insurance returns have continued to decrease since interest rates have decreased from all time highs to all time lows. Life insurance is a long term fixed income asset. There are both guaranteed returns and maximum charges in both Universal Life and Whole life. These are lower than the "current illustrations" but the are guaranteed to never fall below those points. This can not be said about any other fixed income investment other than short term treasury notes. This is why banks hold 10-15% of their deposits in cash value life insurance…billions of dollars I might add. It is a tax free fixed income asset that they do not need to "mark to market."
Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. ©2019. Nationwide Mutual Insurance Company.
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I have a joint term life insurance policy with my husband and a universal life insuranc for my self. The term life face value is $100,000 and the uni is $25,000. The latter cash value is $761.00 apparently they were taking the monthly premiumout of it without my knowledge. They asked me if I would like to close it out and take the closed out value of $700.00. I need advice on what to do. I am paying $135.00 a month for the joint policy and I also have a whole life insurance on my 22 years old child in college. I pay $50.00 a month for that. I think the term life is too expensive and I am concerned that with my husband an I whom are in our fifties that we may need to die just before we reach 80 so that our child can have some financial stability times are tough and we are poor people. Poor people take out insurance to cover their death and to leave something for their children. There just aren't enough money to invest in stocks and bonds or other things and the little retirement money is needed to live off.
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One point I would like to counter is the idea that whole life "is insurance that CANNOT BE TAKEN AWAY". It can be taken away if you are not able to keep up with your premium payments, which is pretty common given that people's lives and financial situations are constantly changing. With some policies, the premium can even go up depending on the performance of the policy, forcing you to pay more than expected if you want to keep the coverage in place. So it's not quite as simple as saying that the death benefit is a sure thing.
First, a term life insurance policy will cost much less than a whole life insurance policy with the same death benefit, often around 12 times less. So your example of a $30,000 whole life policy with a $20 premium compared to a $30,000 term life policy with that same $20 premium is not a valid comparison. The term life premium would be a fraction of the whole life premium.
An entity which provides insurance is known as an insurer, insurance company, insurance carrier or underwriter. A person or entity who buys insurance is known as an insured or as a policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and usually involves something in which the insured has an insurable interest established by ownership, possession, or pre-existing relationship.
Hi Christine. First of all, thank your for stopping by. Second of all, please don't beat yourself up over this. Life insurance salesmen are trained to make these policies sound REALLY attractive and their arguments can be quite persuasive. I actually found myself feeling close to convinced about one of these policies a few years ago before coming to my senses.
With that said, yes the interest rates are good, but it's not really appropriate to compare the interest rate on a whole life loan to interest rates from other sources. With whole life, you're borrowing YOUR OWN money that you already contributed after-tax. That's very different from borrowing from a bank, where the money was never yours. It's much more appropriate to compare the long-term, cumulative interest rate to the long-term after-tax returns you could get from other investments. That comparison looks very different and often much less beneficial for whole life.
In the United States, insurance brokers are regulated by the individual U.S. states. Most states require anyone who sells, solicits, or negotiates insurance in that state to obtain an insurance broker license, with certain limited exceptions. This includes a business entity, the business entity's officers or directors (the "sublicensees" through whom the business entity operates), and individual employees. In order to obtain a broker's license, a person typically must take pre-licensing courses and pass an examination. An insurance broker also must submit an application (with an application fee) to the state insurance regulator in the state in which the applicant wishes to do business, who will determine whether the insurance broker has met all the state requirements and will typically do a background check to determine whether the applicant is considered trustworthy and competent. A criminal conviction, for example, may result in a state determining that the applicant is untrustworthy or incompetent. Some states also require applicants to submit fingerprints.
I, 22 year old male, can pay ~$13,000 into a universal life policy throughout the next 20 years (~$650/yr, ~55/mo), never touch it again, and that will provide a death benefit of $100,000 until I'm at least 75 years old (I will put more money in of course since I plan on living past 75). That's also a flexible premium policy with one of the most financially stable companies, so I would say that's a good investment for my future children/grandchildren. Maybe not for myself, but at least my premiums won't be more than $100/month when I'm old, assuming I still have excellent health and am insurable. With term I can get it insanely cheap now, but what about when I'm 50-60 and closing in on retirement? My premiums would hopefully be under $200/mo. at that point assuming I have excellent health or guaranteed insurability.
*Payoff Protector is not an insurance product. Subject to the terms, conditions, and restrictions of the Payoff Protector provision in your State Farm Bank Promissory Note and Security Agreement. If your vehicle is determined to be a total loss before the loan is paid off, State Farm Bank will cancel the difference between the insurance payout and the unpaid principal balance due on the loan. Certain restrictions apply. For example, your loan must be in good standing.
Once you write the check, it's insurance company money. After some time, you may have the right,to borrow some money from them. They decide how much insurance they will pay and how much you can borrow. Let's take a look at what they have named a universal policy. Let's say you want to get the savings started right out the door. So you write them a check for $5000. Next month you have an emergency an ,you kneed $25.0/0. Too bad! In a few years, you'll have a few dollars in cash value. First year or two – none! Now let's say they have have a guaranteed return of 4%. N ow if you actually have a "cash value" of some kind, don't you think there would be something there? 4% of WHAT = $0 ??? It's all insurance company money – they said so to the US government in 1985.
Through these educational requirements and experience in the field, brokers gain a significant level of knowledge in insurance. They are well informed about specific types of insurance and how claims of a particular type are covered. For example, a broker can explain to an individual exactly what types of risks a homeowner's insurance policy will cover and what it will exclude (such as acts of god, intentional acts, negligent acts, slip and falls, loss of theft of valuable items, etc.). With this knowledge, clients can make better informed choices about what type of insurance they need, along with how much coverage is necessary. This is a broker's job: to help clients understand the liabilities that they have and how those risks can be adequately managed through insurance. Brokers can then help clients review a number of insurance options to pick the policy and premium that best fits their needs and budget.
I'm honestly not 100% sure about this, but I haven't heard of someone paying more in premiums than they get in death benefit. With a whole life policy, there will typically there will be a point at which the cash value is sufficient to pay the premiums itself, though when that might occur is a big question market. Also, in the illustrations I've seen the death benefit itself will also increase as the cash value increases.
Stranger-originated life insurance or STOLI is a life insurance policy that is held or financed by a person who has no relationship to the insured person. Generally, the purpose of life insurance is to provide peace of mind by assuring that financial loss or hardship will be alleviated in the event of the insured person's death. STOLI has often been used as an investment technique whereby investors will encourage someone (usually an elderly person) to purchase life insurance and name the investors as the beneficiary of the policy. This undermines the primary purpose of life insurance, as the investors would incur no financial loss should the insured person die. In some jurisdictions, there are laws to discourage or prevent STOLI.
At the center of everything we do is a strong commitment to independent research and sharing its profitable discoveries with investors. This dedication to giving investors a trading advantage led to the creation of our proven Zacks Rank stock-rating system. Since 1988 it has more than doubled the S&P 500 with an average gain of +25.28% per year. These returns cover a period from January 1, 1988 through February 4, 2019. Zacks Rank stock-rating system returns are computed monthly based on the beginning of the month and end of the month Zacks Rank stock prices plus any dividends received during that particular month. A simple, equally-weighted average return of all Zacks Rank stocks is calculated to determine the monthly return. The monthly returns are then compounded to arrive at the annual return. Only Zacks Rank stocks included in Zacks hypothetical portfolios at the beginning of each month are included in the return calculations. Zacks Ranks stocks can, and often do, change throughout the month. Certain Zacks Rank stocks for which no month-end price was available, pricing information was not collected, or for certain other reasons have been excluded from these return calculations.
Life insurance can be very confusing. What is term life insurance? What is whole life insurance? How can you get the information you need and make the right decision about life insurance for you and your family or other beneficiaries? We'll provide an overview of these two popular types of life insurance so you can get an idea of what might be a good fit for you. Find out more by contacting an insurance agent in your area.
Although some aspects of the application process (such as underwriting and insurable interest provisions) make it difficult, life insurance policies have been used to facilitate exploitation and fraud. In the case of life insurance, there is a possible motive to purchase a life insurance policy, particularly if the face value is substantial, and then murder the insured. Usually, the larger the claim, and the more serious the incident, the larger and more intense the ensuing investigation, consisting of police and insurer investigators.[30]
^ Anzovin, Steven, Famous First Facts 2000, item # 2422, H. W. Wilson Company, ISBN 0-8242-0958-3 p. 121 The first life insurance company known of record was founded in 1706 by the Bishop of Oxford and the financier Thomas Allen in London, England. The company, called the Amicable Society for a Perpetual Assurance Office, collected annual premiums from policyholders and paid the nominees of deceased members from a common fund.
Base commission is the "normal" commission earned on insurance policies. Base commission is expressed in terms of a percentage of premium and varies by type of coverage. For instance, an agent might earn say, a 10 percent commission on workers compensation policies and 15 percent on general liability policies. Suppose that you purchase a liability policy from the Elite Insurance Company through the Jones Agency, an independent agent. Jones earns a 15 percent commission on general liability policies.


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This guide provides teachers with strategies for helping students understand the differences between persuasive writing and evidence-based argumentation. Students become familiar with the basic components of an argument and then develop their understanding by analyzing evidence-based arguments about texts. Students then generate evidence-based arguments of texts using a variety of resources. Links to related resources and additional classroom strategies are also provided. Designed for grades 6-12.
With online learning, it may be more difficult to get to know students' learning styles on an individual basis (this guide to online teaching from NEA can help). Try to include a variety of assignments and course materials to make sure every student has an opportunity to learn in the way that's best for them. This is another area where knowing your LMS can help you track class performance on different types of assignments and gain a better understanding of how students are learning the material. Keep in mind that some demonstrations involving a whole classroom of people cannot be done when students are all in different places, but you do have the opportunity to include videos and tutorials that may not have been used in the classroom.
Some English teachers also teach journalism and yearbook courses, drama, public speaking, debate, and a variety of specialized writing classes that focus on magazine, fiction, early romantic, neoclassical or biographical writing. Regardless of their area of expertise, all English teachers are expected to have a firm grasp of vocabulary, grammar, sentence structure and written communication rules.
While most of the companies we looked at charge a flat rate for one-hour sessions, Skooli offers four separate options: pay as you go, 5-hour packages, 10-hour packages, and 20-hour packages. The more sessions you purchase upfront, the more money you save. Skooli also has a free trial, so you can decide if it's the right fit for you before committing to any of its programs.
Despite living in a tech-forward world that allows us all to be interconnected entrepreneurs, jumping into the online tutoring pool with both feet can be an overwhelming task — largely due to problems potential and current online tutors are pointing out. Both tutors with online tutoring experience and those without recognize the same three hurdles preventing the industry from developing any faster: technical issues, lack of personal connection with a student, and marketing.
Your tutor is more than willing to work through your homework with you, but remember that your time each session is limited. If you attempt your homework ahead of your appointment, your tutor can quickly review it to identify the areas where you need help. If you wait until your session to start it together, you could end up spending the entire session working through problems that you understand before you get to the ones you don't.
Hi, My name Hassen. I am looking for an online tutor for the son of my friend. In fact, his son, 16 yrs, wants to learn English. His level is zero level. Maintain a high energy level and a positive mindset. Help the student to improve their english skills. Provide tutoring and homework assistance. Must have willingness to follow the company's policies and procedures. Relevant tutoring experience (an advantage). Be a computer savvy....
An English teacher instructs students on English language and literature. English teachers encourage learning the English language in a fun and engaging environment. They may teach native speakers of English as well as non-native English speaking students. This guide provides further information on what English teachers do, how to become an English teacher, and English teacher salary and outlook.
I am not an English teacher, but I wanted to be. I started college with dreams due to my experience with my high school English teacher. In college, a professor yelled at me for the content in a persuasive essay. It was a composition class. He said my composition was exemplary, but my content would elicit a response that was too emotional for a reader. He gave me a C. I left his office and changed my major to Sociology. Although I love teaching the subject I teach, there is a gaping hole where English content should be. I find myself purposely seeking interaction with my English content area colleagues. I love assigning readings and papers so that I get to grade as an English teacher would. My advice? Do not allow others to dissuade you from being an English teacher. Do not become a professor who devastates the ambition of an aspiring English teacher. I love what I do, but if I had it to do over again, I would have become an English teacher. Teaching is a gift to your students, their families and yourself. Never lose sight of the privilege and honor it is to be welcomed into the lives of those you teach.
Take an improv class. No, seriously, this is probably one of the best things you can do to prepare yourself to become an English professor. Every day in the classroom is different. Some days your plan will work flawlessly; other days, you won't even like your plan. Be adaptable and willing to adjust. You never know what students will throw your way!
The job of an English teacher requires a deep understanding of sentence structure, grammar, vocabulary, pronunciation, and literature. It encompasses teaching creative composition such as prose, poetry, short stories, and narratives as well as technical writing skills which include news articles, reports, journals, and essays. A teacher of English should develop students' oral and written communication skills, including critical thinking, oral and written comprehension, and problem-solving skills. English teachers are responsible for planning lessons that fit into a school's approved curriculum and supporting student learning to state standards.
Curiosity is great for learning about the world – and when you make your curiosity into work, you get to call it research and charge a fee! If you enjoy just researching and learning new things, you can find remote jobs that will pay you to either do research and compile data or answer specific questions their clients have. You can do general research or get hyper-specific – for example, in the right location, you could become a court researcher.


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A 'Good' secondary school based in the Andover area are looking for a secondary Drama teacher to join their team at a KS3 - KS4 level. The School is a massive part of the community and want students to enjoy their learning and as a result aspire to achieve in all aspects of their academic and professional careers. The School work to ensure that students experience is founded on the schools five core values which were identified and defined by students: Community, Excellence, Resilience, Respect and Integrity.
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The Tools® for Writers
with Dr. Phil Stutz and Jamie Rose
Psychiatrist Phil Stutz has been an open secret in Hollywood for years. His clients include studio heads, actors, agents, and lots of writers.
In her article, "Hollywood Shadows", that appeared in The New Yorker, Dana Goodyear wrote:
"Stutz's patients have won so many Oscars…that he has developed a coping strategy he calls the Stutz 96-Hour Academy Awards Principle, which postulates that by Day Four life sucks again and no one knows who you are, so you might as well get over it now. "
In this three-hour workshop at theOFFICE, Santa Monica's famed haunt for writers, participants will learn The Tools, techniques that Dr. Stutz has honed over his forty years of working with professional writers. He'll address issues such as procrastination, rejection, self-criticism, and writers block.
This is not a workshop on craft, but on how to reach your full potential as a writer-and maybe even turn an arduous process into a joyful one.
When: Saturday, April 13th, 1-4pm
Where: theOFFICE, 1347 19th Street, Santa Monica, CA 90404
Cost: $80
Members of theOFFICE and/or PEN America get $20 off, contact jamie@jamierosehere for code
"Only after I began working with Phil did my writing become braver, weirder, and strangely, more popular. Treat yourself to a few hours with the master"—Maria Semple
"If I can pinpoint one thing that's turned me from a distracted and good writer to a hard-working accomplished one, it's my work with Phil Stutz. Phil, simply put, is the best thing ever to happen to my writing life."--Stephen Godchaux
Phil Stutz, MD, worked as a prison psychiatrist on Rikers Island and then in private practice in New York before moving his practice to Los Angeles in 1982. He earned his medical degree from New York University. He is coauthor, with Barry Michels, of The Tools: 5 Tools to Help You Find Courage, Creativity, and Willpower and Coming Alive. Stutz is also a contributor to PsychologyToday.com and Goop.com For more information on Dr.Stutz and The Tools go to: TheToolsBook.com
Jamie Rose has been a professional actor for five decades and a teacher and writer for over two. Her seminars have been featured at the SAG Foundation and PEN America. Jamie was Phil's patient in the 1980s and was completely transformed by his work. She feels honored that he has entrusted her to share his legacy in workshops and in her private coaching. For more information on Jamie go to: JamieRoseHere.com
theOFFICE is a quiet, communal workspace for writers and other creatives. It is one of the nation's premiere coworking spaces fostering creativity and productivity in a zen, distraction-free environment for over 15 years. Their roster consists of working screenwriters, authors, journalists, designers: and others. For more information about theOFFICE go to: theOFFICEonline


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Copyright 2019 Hubbard Radio Washington DC, LLC. All rights reserved. This website is not intended for users located within the European Economic Area.
HANOVER, N.H. (AP) — Rashaad Cooper ran for 98 yards and a touchdown and Dartmouth scored 36 unanswered points in the second half to bury Brown 49-7 on Saturday.
Dartmouth led 13-7 at the break and went on to score 29 points in the third quarter, starting with an 18-yard touchdown run by Cooper, followed by 16- and 12-yard TD runs by Miles Smith and a 7-yard romp by Matthew Shearin for a 42-7 advantage with 3:11 left in the quarter.
Derek Kyler threw for 160 yards and a score for the Big Green (9-1, 6-1 Ivy League). Jared Gerbino had 91 yards rushing, Smith finished with 41 yards and Zach Blair scored on a 45-yard run early in the fourth quarter.
Brown's only score came in the second quarter when Charlie Dallape fell on a kickoff return fumble by Dartmouth's Dylan Mellor in the Big Green end zone with 7:44 left in the first half.
Insight by the Trezza Media Group: Technology experts from Air Force, Energy Department, NASA and GAO explore machine learning and AI in this free webinar.
Michael McGovern threw for 271 yards for the Bears (1-9, 0-7) and was intercepted twice.
Copyright © 2019 The Associated Press. All rights reserved. This website is not intended for users located within the European Economic Area.


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Find the best home deals for sale in Beloit, WI, right now on Foreclosure.com at drastically reduced prices. We currently have 1 of the best real estate bargains in Beloit, WI, in "as-is, where-is" condition. These are discounted opportunities to buy a house in Beloit, WI for much less than current market value. As with any potential fixer upper in Beloit, WI you may (but not always) need to use some of the money you save at closing to make a few repairs and/or home renovations.
Beloit is a city in Rock County, Wisconsin, United States. As of the 2010 census, the city had a population of 36,966.
Twelve men in Colebrook, New Hampshire created the "New England Emigrating Company" in October 1836 and sent Dr. Horace White to find a suitable region of Wisconsin in which to settle. The level fields and the water power of Turtle Creek and the "unlimited gravel" in the area around what is now Beloit fixed the site of the intended village and farms. White purchased the land. At the same time as the Colebrook settlers, six families from Bedford, New Hampshire arrived and settled in the region. They said that the Rock River Valley had a "New England look", which made them feel at home. The village was platted in 1838 and was planned with wide streets which built on the New England model.
Beloit was originally named New Albany (after Albany, Vermont) in 1837 by its founder, Caleb Blodgett. The name was changed to Beloit in 1838.
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DIRECTOR QUALITY AND PERFORMANCE EXCELLENCE (QUALITY MANAGEMENT, WHITTIER): FULL-TIME at PIH Health
Whittier, CA 90602
About the Job
We're a nonprofit, regional healthcare network with two hospitals, numerous outpatient medical offices, a multi-specialty medical (physician) group, home healthcare services and hospice care, as well as heart, cancer and emergency services. Our leadership is dedicated to putting patients first—a cornerstone of our mission, vision and values—as we deliver top-quality healthcare.
From our extensive facilities in Whittier, California and Downey, California, PIH Health serves more than two million residents in Los Angeles and Orange Counties and throughout the San Gabriel Valley.
The Administrator will be responsible for development and implementation of strategies that improve quality and patient safety throughout the hospital. The position demonstrates an ability to work with Medical Staff, improving overall quality and safety of patient care. The position coordinates with hospital Accreditation to ensure quality/processes of care is aligned role to meet and remain compliant with requirements of all applicable licensure, accreditation, and certification agencies and organizations. This position coordinates with the hospital Risk Management Program to further patient safety initiatives. The Administrator will ensure clinical and operational performance improvement initiatives are coordinated across functions and aligned with strategic initiatives across the organization. This role requires an exceptional leader with proven ability to utilize strong process and data-driven analytical skills to identify the processes, systems, and/or practices that lead to sub-optimal performance and successfully resolve these issues through process simplification, reengineering, and change management. Is able to incorporate Lean processes and tools into all aspects of performance improvement and demonstrate the ROI of such work.
Required Skills
- Analytical skills, Working knowledge of CIHQ, Title 22, CMS Conditions of Participation, CMA standards and other regulatory agency requirements.
- Experience in survey preparation, process and continuous readiness; developing corrective action plans in response to survey findings.
- Strong knowledge of Continuous Quality Improvement tools and techniques.
- Effective written/oral communication and presentation skills.
- A proven and exceptional leader who combines exceptional relationship building skills, communication and interpersonal skills; analytical and problem-solving skills with well-developed business acumen to lead through influence.
- Successful experience leading broad-scale change management and process improvement efforts.
- Demonstrated leadership capabilities, including but not limited to:
- Developing dynamic, constructive working relationships and partnerships with operational
and physician partners.
- Willingness to challenge the "status quo.
- Excellent interpersonal skills (negotiation, listening and communication skills) characterized
by effective interactions with a diverse range of internal and external constituents,
stakeholders and audiences.
- Demonstrated political savvy Ability to operate in politically complex situations and remain
effective; must have personal influence and credibility to be able to work from behind the
scenes within a politically complex process.
- Solves problems from a Patients First perspective.
- Relationship driven, consultative, a team player, able to effectively facilitate.
- Decisiveness, action-orientation, personal integrity, capability to persevere in difficult situations, and focus on strategic leadership issues.
- Knowledge of hospital delivery system operations.
- Excellent management skills; serve as a coach and mentor to staff.
- Resonate with a mission driven organization and thrive working in that type of environment.
Required Experience
- Current CA RN license
- Master's degree or equivalent in nursing health care administration, or industrial engineering required.
- Bachelor of Science in Nursing degree required.
- A minimum of five years of experience in the health care industry with a background in operations and performance improvement.
- Knowledge of Lean Six Sigma required.
- Three to five years of progressively responsible experience in a hospital setting with involvement with the tools and processes of continuous quality improvement.
- Three to five years clinical experience are required.
- 2 Yrs management experience is required.
- CPHQ within two (2) years of hire.
Beyond the benefits that come with working for the area's leading community healthcare provider one that also recognizes the need to ensure patient safety and comfort you'll enjoy an extremely competitive compensation and benefits package. We are an equal opportunity employer and seek diversity in our workforce. EOE M/F/D/V


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April 22nd, 2019 🐰 Happy Easter! 🐰
We hope you had an awesome Easter!
Want to contribute on Easter related pages? We've collected a list of things to do. Take a look!
East Gut Check Rock
|East Gut Check Rock
|Main Appearance(s)
|Related places
East Gut Check Rock is a location in Breath of the Wild.[1]
Features and Overview
East Gut Check Rock is located east of Gut Check Rock in Eldin Canyon.
See Also
- ↑ "East Gut Check Rock" — N/A (Breath of the Wild)


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Le prince Philip renonce finalement à son permis de conduireLe prince Philip a rendu son permis de conduire, a annoncé Buckingham Palace, rapporte la BBC ( en anglais ), samedi 9 février. Emma Fairweather s'était plainte la semaine dernière dans le Sunday Mirror de n'avoir pas reçu d'excuses de la part du prince.
WEATHER WATCH: Quiet, calm Monday; Winter storm on the way for TuesdayWith temperatures already in the teens or single digits, meteorologists predict low temperature records could be broken on Sunday. Cities along the Washington-Oregon border near Portland are within the zones that may get more than three feet of snow in total.
Nasa's New Horizons: 'Space snowman' appears squashedOther solar system objects similar to MU69 - like comets , for instance - have rounder, though still imperfect, forms. But more importantly, the new images are creating scientific puzzles about how such an object could even be formed.
L'utilisation d'un adblocker pourrait entrainer la suppression de votre compte — SpotifyDepuis quelques années déjà, les bloqueurs de publicités (les incontournables " adblocks ") ont la cote auprès des internautes. Spotify vous demande de diffuser de la musique en continu, mais uniquement si vous payez avec votre argent ou votre temps.
Turkey Decries China's Treatment of UighursTurkish media claimed he was tortured to death in a so-called re-education camp in China's Xinjiang Uighur Autonomous Region. Droves of Uighurs have fled, many traveling to Turkey, where the language and culture are similar to that in Xinjiang.
Le convoyeur de fonds disparaît avec 3 millionsLe véhicule de transport de fonds a été retrouvé à Aubervilliers (Seine-Saint-Denis) mais vide, sans le conducteur. La Brigade de répression du banditisme de Paris a été saisie, sous la houlette du parquet de Bobigny.
Alarm in Russian Artic Archipelago For "Invasion" Of Polar BearsThey said that if the now deployed measures are unable to drive the bears away, they may need to be culled. The arctic animals are recognized as endangered species in Russian, and hunting them is banned.
Walter Jones, NC's 3rd congressional district representative, dies at 76Jones had been placed in hospice a few weeks before his death and had recently undergone surgery for a broken hip. He had been re-elected to his 13th term in November and had announced he would retire at the end of the term.
Affaire Ligue du LOL : Libération met à pied deux journalistesCette mise à pied a été décidée dans le cadre de l'enquête interne qui a été lancée à Libération . Vincent Glad s'est également expliqué sur Twitter.
Beijing 'angered' as 2 United States warships enter S. China Sea - spokeswomanAsked if the ships' passage would impact trade talks, Hua said that "a series of US tricks" showed what Washington was thinking. The so-called freedom-of-navigation patrols were reported earlier Monday by Reuters, which cited an unidentified US official.
Virginia Lt. Gov. Justin Fairfax calls for investigation into sexual assault allegationsNortham's pledge Sunday to work on healing Virginia's racial divide was his second in as many days. A lot of individuals across Virginia have been hurt".
Robert Franks scores 34 again, Washington State beats Arizona 69-55The Sun Devils (16-7, 7-4 Pac-12) faced what felt like a must-win game after an ugly loss to Washington State on Thursday night. The closest the Huskies were able to get back into the game followed a 10-2 run, bringing the deficit within seven points.


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Sony DADC has partnered with dreamGEAR to expand the US-based games and mobile accessories manufacturer's retail business to new territories including Europe.
Supply Chain
Cinram puts Aylesbury site into administration
Following the loss of its contract with Universal Pictures at the end of June, Aylesbury-based Cinram has gone into administration.
BBFC ratings numbers soar
Last year, the BBFC age rated 1,075 films for cinema release, the most since 1957, and nearly double the number classified in 2009, according to its latest annual report published today.
Localisation market to top $2.5bn by 2020
Content localisation, which involves preparing TV, film and video titles for global distribution, is now a huge business across Europe, Middle East and Africa (EMEA) and is set to get even larger, writes MESA Europe Executive Director Jim Bottoms.
Visual Data launches VIDA content-management system
Visual Data Media Services announced the launch of a new TV and film content-management platform called VIDA.


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Adventure game renaissance architects Telltale Games will announce five projects at an event in San Francisco, this coming February.
This is according to a post at 1Up.com, who state they have received an invitation to said event. Ours is in the post, we're sure.
The new projects are said to be 'multi-platform' and will include one which is "based on a just-launched property from the TV and comic book world whose popularity is changing life as some know it." 1Up speculate that this refers to Walking Dead, but there's no confirmation that this is the case.
As for the other four, we don't even have a vague clue to go on. But I can't be alone in hoping for a new season of Sam & Max amongst them.
Founder and Editor of PC Invasion. Veteran PC gamer of over 22 years.


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About that famous cover for the 1977 medical thriller, Coma
Designer Paul Bacon is known for developing the "Big Book Look" - commercial, bold and iconic - designing many well known covers from the 1960s through the early 2000s. Mulholland Books designer Lauren Harms tells how his Coma cover was revised for the new edition.
Paul Bacon is a legendary book cover designer, album designer and jazz musician. He got his start in advertising in the 1940s, a time when everything, even lettering, was done by hand. He has taught and influenced many of the biggest designers in the industry today. There are tumblrs dedicated to his work.
In publishing, Paul is known for developing the "Big Book Look" - commercial, bold and iconic - designing many well known covers from the 1960s through the early 2000s. It's estimated that he designed as many as 6500 covers, including One Flew Over the Cuckoo's Nest, Catch-22, Rosemary's Baby, Slaughterhouse-Five and Robin Cook's Coma.
Originally published by Little, Brown and Co. we just reissued Coma as a Mulholland Classics paperback. When the cover came up for discussion in a weekly jacket meeting, the decision was unanimous to keep the iconic artwork from 1977. Everyone agreed that the image of a man suspended by a myriad of thin wires evoked the story so concisely and still gave them chills.
Publishing being a very small world, it turned out that my previous creative director, Steve Snider, had commissioned the work back in the 70s. I called him up. He couldn't believe we were doing a reissue and hoping to use the art. But that's the thing with great covers - they stand the test of time.
Steve took a look through storage, and we checked our in-house archives. Unfortunately, we were unable to find the original painting. We were able to scan an early edition, and with a bit of retouching, go ahead with printing.
It was a lot of fun to see this well-known cover reincarnated for a new edition. We cleaned up the type a bit and did a fairly modern design for the back cover. Paul's image has been adapted many different ways over the years, and it was nice to see it return to its original composition. A stark white background, bold type and the uneasy sense that you must read this book.
Facebook working on creepy new voice assistant nobody wants or needs
Just what we needed, said exactly no one.
Male tech execs accused of sexual misconduct now getting second chances
* whether they deserve one or not
Facebook says it never sells your data but these internal documents show exactly how much they value your data in dollars
Mark Zuckerberg leveraged Facebook user data—maybe yours?—to crush rivals and aid allies, leaked documents show.
Redact, rework or sign PDFs effortlessly with this Mac app
Believe it or not, PDF files have been the go-to format for contracts and forms of any type since 1993. And sure, they're easily shareable – but that's about it. When you need to edit or sign a document – and you will – that's when frustration can set in. Luckily, there are workarounds, and […]
Celebrate 4/20 in style with deals on these smoking accessories
It's 4/20! Smoke 'em if you got 'em – and if you haven't got 'em, check out this roundup of deep discounts on pipes and other accessories. They're all on sale, but you can take an extra discount off the final price courtesy of the Boing Boing store by using the online code 420SAVE. Freeze […]
This smart sonic toothbrush packs 40,000 strokes per minute
Ever wonder if you're cleaning your teeth well enough? If your last dentist visit has you getting a little more thorough about oral care, it might be time to save yourself some guesswork. A lot of electric toothbrushes promise deep cleaning, but there's a Platinum Sonic Toothbrush that has power plus the simple but effective […]