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Kentucky native Kenny Perry will be playing in what he expects to be his last regular tour event at the 2014 USPGA Championship
In Norse mythology, 'Valhalla' is the name given to a majestic, timeless 'hall of the slain' – like a special Heaven reserved for fallen heroes.
For Kentucky's own Kenny Perry, Valhalla lives up to its name in more ways than one. Firstly, Valhalla is unequivocally the finest golf venue in Perry's home state – a mighty, striking course designed by Jack Nicklaus that this week hosts its third USPGA Championship, and which held the 2008 Ryder Cup. The PGA of America clearly has affection for Valhalla, as do the people of Kentucky, who are flocking here in their thousands this week to pay homage, and Perry is no different. After all, Perry played on Paul Azinger's 2008 Ryder Cup team, defeating Henrik Stenson in the Sunday singles in front of an adoring, euphoric home crowd.
But Valhalla holds extra significance for Perry, because he should have written one of the greatest chapters in Kentucky's proud sporting history by winning Valhalla's inaugural USPGA Championship in 1996. The big-hitting Perry just needed to par the par-five 18th hole in the final round to become a major winner on his own patch, but instead, he dropped a shot while Mark Brooks birdied it, not once, but twice. Brooks' first birdie on 18 earned him a play-off with Perry, and the second won him the Wannamaker Trophy. Kentucky's 'hall of the slain' took down one of its own.
"It's human nature to wonder, what if I had made a par here on 18 in 1996," starts Perry, who turns 54 here on Sunday, and is playing in what he expects to be his last regular tour major, on a special exemption from the PGA of America. "I always think about the 18th hole. I've had a hard time with that hole. I can hit a driver and four-iron into the middle of the green; it's a par five you can make eagle on, so it's pretty disappointing that I struggle to make even a par on it, much less an easy birdie. In 1996 I hooked my drive really bad, but I still had a 10-footer for par to win the tournament, but I hit a poor putt."
That was in regulation. By the time his fourth shot reached the green in the play-off, Brooks was on the green in two for the easiest of major-winning finishes. In Kentucky, the 1996 PGA Championship will always be the one that Kenny should have won. "It took me about a year and a half to get over that loss," he adds.
A winner of 14 PGA Tour titles, and seven on the Champions Tour, including the 3M Championship last week, it is little wonder the people of Kentucky hold Perry in their hearts when you consider that in 1995, he bought 142 acres of land for a golf course and borrowed $2.5 million to build it, in his home town of Franklin, which is 125 miles southwest from Valhalla. Country Creek GC is the only public golf course in Franklin, and Perry insists on keeping it accessible to as many golfers as possible, with a midweek green fee of $28, including buggy. Sometimes Perry even works behind the counter in the pro shop, where one of his most frequently asked questions from visitors is, "Do you know Kenny Perry"?
Kentuckians also love Perry because after his practice round this morning at Valhalla, he stayed by the 18th green for an hour to sign autographs.
"To me it is a way of saying thank you for 30 years of support, love and compassion for me," he says. "I enjoyed it and it's great that so many people have come out this week to watch and support me."
Robin Barwick travelled to the PGA Championship courtesy of Mercedes-Benz. Mercedes-Benz is the official car of the PGA Championship


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Hello beautiful people!
Thank you Jo @ the bookworm dreamer for tagging me in the Summer Sweatalong Book Tag! She's actually the creator of this, which is super cool — I LOVE BOOK TAGS! I just started following and interacting with Jo more this year … and thank gosh! She's such a sweetheart and has lovely reviews! We are actually planning to do a buddy read of the Mistborn series, which I'm super excited for!
Please make sure to visit her blog and give it some love — you won't regret it!
The Rules
- Link back to the original creator of the book tag (thebookwormdreamer).
- Start off with telling us your favourite season and why it is/isn't summer!
- Tag five friends to take part.
- Enjoy!
Favourite Season — Autumn
Like Jo, I'm not a fan of summer. I actually don't have a problem with heat … but the HUMIDITY!! Ottawa (maybe Ontario in general) is REALLY bad for humidity — it makes me nauseous and feel just disgusting. Unless I'm at the gym or yoga, I hate sweating that much. Pre-summer and post-summer (not spring and autumn … that weird transition period) is lovely … but it doesn't last long.
But autumn, even the sound of the season is pretty in itself … if I ever decided to have a child, I would consider naming them Autumn. But there's just so much to love about autumn: the cool days but sunlight still peaking through, cozy sweater and scarfs and beanies, pumpkin flavoured things EVERYWHERE, Halloween, the Halloween and autumn movies, the smell of the leaves and change of the season, the colours of the leaves and trees … I could go on forever. At the end of the day, I would LOVE to live somewhere that is autumn temperature ONLY all year round.
|| A book you couldn't stop reading ||
If I'm Being Honest by Emily Wibberley & Austin Siegemund-Broka — Seriously guys, I didn't think I was going to like this book as much as I did. It was FANTASTIC! Writing the review for this novel was so difficult since I had a hard time articulating into words how much I enjoyed this novel. I can't wait to read more by these two authors!
|| A book you read in just ONE DAY ||
Almost Midnight by Rainbow Rowell — Yes, this is a short story (well two) so it's not REALLY a shocker I finished this in one sitting. But that's not why I finished it so quickly … it was just so gooooood! This is my first and only Rowell novel, but I don't plan for it to be my last! If anyone has any recommendations on her "best novels" or novels that have a similar vibe to this one, please let me know!
|| A book you reread straight away ||
The Gentleman's Guide to Vice and Virtue by Mackenzi Lee — Are we shocked? I don't think so. For those of you who have been following Bookmark Your Thoughts for a while now, you'll know that I was and still am OBSESSED with this novel. I read in one day, sat down and contemplated how beautiful it was, then picked it up again and reread it the next day. THE LOVE I HAVE FOR THIS NOVEL IS UNREAL!
|| A book that got your heart racing ||
Visions by Kelley Armstrong — By the FIRST chapter, my heart was racing … and I thought the first book gave me the jumps! Not only does Armstrong's writing make you feel like you're their, but you FEEL the anxiousness and the tense nature that the characters feel. And there were SO MANY MOMENTS were this happened! It was great, but I definitely read THIS one during the day ha-ha!
|| A sequel you read faster than the first ||
Catching Fire by Suzanne Collins — I FEEL like I'm the ONLY person who preferred the second book in this trilogy. But as much as the games were interesting to read in the first novel, I REALLY enjoyed learning about the other districts in the second and more about the revolts happening. The story and world building in the second book is spectacular.
|| A series you read straight through ||
The Darkest Powers trilogy by Kelley Armstrong — Another Armstrong novel / series. The first time I read this was in high school. I was at Shoppers Drug Mart and thought it looked awesome. So after I went home and read the first book in one sitting, I walked to the store and bought the second … then did the same thing with the third. So three books in three days. Even when I reread this series, I just read straight on through. I'm glad that even over a decade later, I still love this series!
|| A book that kept you up late ||
Omens by Kelley Armstrong — I know … REALLY representing Armstrong in this post ha-ha! Honestly, I tend to have a REALLY hard time putting down her books … she has a knack for that in her writing. But this book was just IMPOSSIBLE to stop reading. Every time a chapter ended, I had to learn more about the mysteries of Cainsville! Depending on how my reading goes this year, I may try to reread these!
The Nominees
Tea and Turned Pages | Stephanie's Novel Fiction | Feed The Crime | The Bibliophagist | BacchusVines

subset: commoncrawl


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Join the show live Saturdays 7PM-Midnight(CST) on 95.1 WIIL ROCK or 95wiilrock.com.
Episode 2 recap…
Special Guest: Roker sat in once more still looking for dem Roker girls #Thirsty
Abe Kanan Thought: "If the Saudi prince is listening, if the Saudi Prince has WIIL Rock on right now" This thought remained unfinished as it turned into a ploy for Abe to get a million dollars.
Abe Kanan Thought: "Any guy will do anything to get laid, including listening to Cascada – Everytime We Touch"
Round Two of Request Wars: Champion Vinny in Lombard "Welcome to the Jungle" vs Challenger Brian in Cobb County "Crazy Train" – Winner: Vinny
The Douchebag Power Rankings:
Heatseeker: Whoever was supposed to watch Jeffery Epstein (Whoops)
#5: The Ruiz/Joshua Rematch (For having their rematch in Saudi Arabia for that sweet blood money)
#4: Antonio Brown (For freezing his feet off and wanting to wear a banned helmet)
#3: Censored Coffee Shop (For being too lazy to make Abe a Frappuccino…err blended cold drink)
#2: The guy who beeps his horn for Abe's neighbor in the morning (For waking Abe up early)
#1: Curt James Brockway (For fracturing a kids skull at a game because he didn't take his hat off during the National Anthem.)
Good Day/Shame Day Requests: It was all shame this week including having sex with a guy wearing an I'm with Stupid shirt, a fisherman who couldn't catch catfish and Jay the Gay thinking Chris Hansen was in studio and then not being paid in meatballs.
Misc Notes:
Love Gun Stories made its triumphant return with a story from Woody (Leader of the Prison Squad) so legendary, the segment was almost retired again.
Attention, are you or do you know a degenerate gambler? Abe is looking for you/them to place bets against everything he does for some form of social experiment.
Abe wants to scare people at the upcoming Field of Dreams baseball game by unleashing holograms of Shoeless Joe Jackson and Dio onto the field.
Of course, this lead to Abe revealing that Rudy made him cry, a surprise for no one that listens regularly.
Abe and Roker go to Woodman's after each show and eat cheese off each other or something, for some reason people think they are a gay couple.


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I have been a web developer for almost a decade, as well as a designer and social media strategist. I am passionate about coding as I believe it is a great skill to have. Problem solving, discovering new solutions, seeing how everyone can benefit, is what I get out of coding, and this is how I approach life in general.
Languages: English, Русский, Українська
Grant Dmitriy secure access to your products — no password sharing required.


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Parliamentarians seek expulsion of Burma from ASEAN
by Usa Pichai
Chiang Mai (Mizzima) – Representatives from regional Parliaments have urged ASEAN to reconsider Burma's membership in the bloc, while activists, academics and civic groups in Thailand organized several activities calling for the release of Nobel Laureate Aung San Suu Kyi.
Kraisak Chunhavan, President of the ASEAN Inter-Parliamentary Myanmar Caucus (AIPMC) said in a conference on Friday at Thailand's Chiang Mai University that it is time for ASEAN to revise the status of Burma in the group because Burma's military government has failed to respond to repeated calls by the international community to improve the human right situation in the country.
"ASEAN is in a difficult time because it is pursuing a progressive and developed image by trying to set up a charter to protect human rights in the region. However, Burma's problems have limited dialogue with other regional blocs because the counterparts are unlikely to talk at the same table as the Burmese regime."
Kraisak also said more than 3,000 ethnic Karen villagers have fled to Thailand in the wake of recent fighting in the east of Burma between government forces and their allies and the Karen National Army.
"We are ashamed of Thai companies operating and investing in Burma, particularly in the energy sector, leading to a worsening of the situation and allowing the Burmese junta to further suppress ethnic people such as with the forced relocation of villagers in Karen State to build dams on the Salween River," he added.
Additional attendees at the conference calling for ASEAN countries to take a stronger stance regarding the Burmese junta were AIPMC chairs Loretta Ann P. Rosales from the Philippines, Charles Chong from Singapore and Wan Azizah Wan Ismail from Malaysia. The AIPMC representatives were joined by several hundred academics, activists and interested parties.
At a similar gathering at Bangkok's Thammasat University, Sriprapa Petchmisri from Mahidol University commented that the human rights problem in Burma is not only about political rights and freedom of the people but also concerns other problems such as accessing food, water and other supplies.
She added that the failure of regional countries such as China, Russia and Indonesia to support U.N. Security Council Resolutions on the crisis in Burma is troublesome.
"This is a worrisome comment from Burma's neighboring countries," she conjectured.
The events were timed to coincide with the 64th birthday of the detained Burmese opposition leader.


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Lafayette County Children's Services Fund has developed an informative brochure of what the Children's Services Fund is including an outline of the mission and values of LCCSF, services eligible for funding, currently funded services, members of the Board of Directors, and contact information to request additional information or funding applications.
Next Meeting
The next LCCSF meeting will be held at 7 PM, October 20, 2020 at Lafayette County Health Dept. basement, Lexington, MO 64067.
Legal Information
This fund is established by Missouri Revised Statutes Chapter 210, Section 210.861 and Missouri Revised Statutes Chapter 67. Section 76.1775. The question passed on the Lafayette County April 2005 Ballot.
Contact Information
Lafayette County Children's Services Fund
Lafayette County Dryer Annex
1106 Main Street
Lexington, MO 64067
Colby Dowell
1106 Main Street | Lexington, MO, 64067 | Crisis Hotline 1-888-279-8188 | Email


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When it comes to timeless elegance, sometimes less is more. This delicate pair of hooked earrings add just the right amount of sparkle for a sophisticated touch of glamour. The design blends clear crystal, Crystal Pearls and Silver plating: a chic and easy-to-wear combination that is perfect for gift giving.
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Please note: Due to hygiene reasons, this item is not eligible for refund or exchange.
Product Code: K13029RPHE/S
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Fall Collection is unique statement necklace, using jump rings intertwine together that gives a modern day look.This chandelier piece will be the highlight of everything, wether you wear a casual dress or a simple gown. Embellished with Swarovski Elements Crystals that will give a sparkles to your fashion.
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Nancy Brown Morris, age 80, formerly of St. Mary's, GA, presently of Fernandina Beach passed away on Saturday morning, September 16, 2017 at Baptist Medical Center in Jacksonville.
Born in Waldo, FL she was the only child born to the late N. Clarke Brown and Marjorie Claire Bell. As a child her family moved to Camden County with her father's business. She grew up in St. Mary's, GA where she was a graduate of Camden County High School, Class of 1955. In August of 1955 she married John Calvin Newton, Jr. The Newton's had three children who hold fond memories of their childhood and being raised around the salt marshes of St. Mary's, GA. While raising children she worked as a Purchasing Agent at Gilman Hospital. She was a resident of Fernandina Beach since 1995.
She had been a longtime member of Christ Episcopal Church in St. Mary's.
Her family recalls her love of reading, gardening, needlepoint, dancing, crafting, painting and the Florida Gators.
She leaves behind her three children, John Calvin Newton, III and his wife, Jennifer, Tampa, FL, Julia "Julie" Newton Bennett, Fernandina Beach, FL, Jana Newton Roper and her husband, David, Greensboro, GA, grandchildren, John Clarke Newton and his wife, Marshall, Jacob Cheney Newton, Allen Sheffield Roper, Julia Camden Roper, Eddie Bennett, Julie Marie Bennett and her great grand children, Austen Allan Bennett, Ansley Taylor Bennett, and Lillian "Lily" Simons Newton.
Funeral services from the graveside will be at 10:00 am on Wednesday, November 22, 2017 where she will be laid to rest with her parents in Oakgrove Cemetery, St. Mary's, Georgia.


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Ron continues his "I Was There" series with a look at how fear overcame love in the life of Pontius Pilate. This series of posts recount the thoughts and actions of various individuals before and after the momentous happenings at Calvary.
Do you want to learn more about Christianity? Contact us here!
Pontius Pilate
Pontius Pilate dismissed his servant and paused at the shrine near the entrance to his sleeping quarters. When he blew on the coals of the tiny brazier, a gleam of red and a curl of smoke beckoned him to burn a pinch of incense. The career soldier and diplomat watched as the small puff of smoke obscured the face of the statue in the niche.
Fear had come to Pilate, early that morning as the chief priests and Temple guards brought Jesus of Nazareth before him. He could tell by their hard faces that they would not be distracted or dissuaded from their purpose easily this time and he feared that by the end of this day, mighty Rome would find itself serving these Judean religious fanatics. All morning, the crowd had grown. By 10 o'clock, they were screaming for blood. They wanted a Roman execution for the blasphemer—this one who made himself equal with God.
The Memory of Jesus' Face
Pilate shook his head violently, trying to erase the memory of the man's face—this Jesus, who had come to him already abused, had looked into his eyes in a way that few men would ever dare. His expression confused Pilate, it communicated no fear, no belligerence, no aggression—rather compassion, perhaps pity, even love. The thought disturbed Pilate.
He made several genuine attempts to release Jesus. He had him punished by the soldiers. That was usually a crowd pleaser, but not today. It was not enough. He'd sent him to Herod, who returned him disappointed that Jesus refused to even speak to him. Pilate had never had much respect for Herod, but his heart went out to him today. What a trap they were caught in! Driven by the need for political survival, they were caught in some strange supernatural vice that through the course of the day closed to the point of crushing them.
Fear Strikes Pontius Pilate Again
Fear struck Pilate again when the mob challenged his loyalty to Caesar. Pontius Pilate had too many memories of what happened to men who demonstrated disloyalty to the Emperor. He had no intention of letting that happen, so he had released Jesus to be crucified. But not before publicly washing his hands, symbolically cleansing himself of responsibility for what he had done.
While he had tried to move on to the other administrative tasks of the day, he was brought up short when, at noon, the sky turned black. Darkness had covered the city, paralyzing all movement on its streets. He had never experienced a celestial omen like this. The seers and soothsayers could turn a cloud passing before the sun into an evil portent. What would they do with this supernatural darkness.
Just thinking about those dark hours made his heart beat faster. What had he unleashed by crucifying a man who was not merely innocent of the charges against him, but truly a good man? He no longer feared Caesar's wrath. Perhaps he had stirred the indignation of the gods. What would they do to him?
Pontius Pilate's Wife
Then there was the matter of his wife. She never dared interfere with the affairs of state in which Pilate found himself embroiled. Then, on this day for the first time, she had sent him a message to have nothing to do with this "good man." Some power outside of usual human experience had revealed Jesus' intrinsic goodness to her, and nothing good could come of harming Him. Yet, at the moment, fear of the crowd was more tangible than his fear of the gods. So he had caved in to their demand. Now, the situation was reversed. His impression of the man's innocence, his wife's dream, and the three dark hours suggested he had made a mistake.
Like many Romans in places of power in the past, Pilate buried this mistake. And once again, he had given in to these despicable Jews when they called for a guard to be placed at the tomb. He would never have done such a thing normally, but his fear extended to the possibility that this good man might be revived by the gods as rumours suggested. Perhaps He would return to punish His enemies. The prophecy was that Jesus would return from the place of the dead in three days. They would be long days for Pilate.
Pontius Pilate Rejected Love
In Jesus, Pilate had encountered love and rejected it. His fear had cast out love. His fear had crucified love at Calvary—the place of execution that would become known as the place of love. Calvary love. His fear had sealed the grave of love. He had no grasp of the truth that love can conquer fear. In fact, perfect love casts out fear—but this was not to be his experience, not on this night. As a Roman soldier, he knew that he could not waver in his service to the Emperor. "No servant can serve two masters; for either he will hate the one and love the other, or else he will be loyal to the one and despise the other. You cannot serve God and mammon" (Luke 16:13). Pilate had made his choice.
Follow the "I Was There" Series
- Love Poured Out – Mary of Bethany
- Loved To Death – John the Apostle
- The Man In The Moonlight – Judas Iscariot
- When Fear Cast Out Love – Pontius Pilate
- How To Treat Your Enemies – Caiaphas the High Priest
- When Love Cast Out Fear – The Repentant Thief
- He Had Seen It All – The Roman Centurion
- One Last Time – Nicodemus
- Cold And Empty – Mary Madgalene
- You Know That I Love You – Simon Peter
Ron Hughes
You can listen to podcasts from Ron's shows by clicking on the following links:
Faith By Hearing: Misconceptions
Contact Info
If you have enjoyed reading this post and wish to send us a comment or share a prayer request, please don't hesitate to contact us and let us know.
Images Courtesy of:
Pontius Pilate – Munkacsy
What is Truth – Nikolai Ge
Pilate's Wife – James Tissot


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The Care Workers Charity ran 'Going the Extra Mile', a week-long national campaign celebrating care workers and care teams that go the extra mile every day.
In recognition of the work that takes place in the care sector, the charity invited individuals and organisations across the country to travel a mile in different creative ways during July. This could include walking, running, bouncing, swimming or skipping the mile. They also encouraged care home grounds to get involved with relays or accruing miles between clients in the community.
Source: The Care Workers Charity
Founded in 1946
Registered Charity No. 1118605
Company No. 6113479
Fourth Floor, 28 Commercial Street
London, E1 6LS
Telephone: 020 7255 4480
Fax: 020 7255 4496
Email: email@example.com


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Thank you so much for all the replies and advice. I shall just keep practising.
Hi Johnny. I think the wheel is a Wenger. It has a bat with a small wedge cut out of one side rather than holes where you put pins. I have never seen them advertised and I think it is quite an old system. I can't remember what the style of bats is called.
Thank you for your response. I am hoping it is my equipment and not me doing it wrong. I have ordered a couple of bats for my wheel, but they have to be handmade so I may just have to be patient. I will try to throw on someone else's wheel to see if I have more success. If I do, I will know that it is the equipment. If I continue to have the same problem then I will know that it is me doing it wrong!
Wobble pots
Kathie posted a topic in Studio Operations and Making WorkI am new on here and I am struggling with throwing pots. I know that centring is important, but I am wondering if an uneven bat on my wheel might be a reason why I constantly end up with one side of my pot being higher than the other. I bought me wheel on eBay and it has a wooden bat which I cannot get to sit neatly in the wheel. Can anyone advise me please?


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Visiting Yellowstone in the fall means:
- crowds are gone
- animals exhibit interesting behaviors and create magical sounds
- leaves and grasses turn yellow and orange
- no biting bugs to swat
Wouldn't this scenario be the ideal time to visit the park?
One of our favorite times to plan a Yellowstone vacation is to visit in the fall, and Yellowstone in October is one of the best months in our opinion.
This guide has seasonal information about weather and services; and tips on what to see and do at Yellowstone in the autumn.
Some of the links on this site are affiliate links, meaning if you book or buy something through one of these links, we may earn a small commission – at no extra cost to you! Read the full Disclosure Policy.
The Yellowstone National Park website has all the up-to-date seasonal information you need for planning your trip. Here's the general idea of what to expect during your fall trip to Yellowstone.
September in Yellowstone
Crowds: high to moderate
Services: full to limited
Access: all roads open
Elk rut in Mammoth Hot Springs and Grant Village
Black and grizzly bears along the roadside meadows
Raptor migration in Hayden Valley
Fall color above 7,000 feet
Fewer mosquitos
Campgrounds begin to close for season
Mid-September the boating services close for season on Yellowstone Lake
October in Yellowstone
Crowds: moderate to low
Services: limited
Access: roads begin closing for winter season, and weather causes many temporary closures
Bears return to lower elevations and are more visible along roads
Elk rut in Mammoth Hot Springs and Grant Village
Raptor migration in Hayden Valley
Fall color below 7,000 feet
Snow begins to accumulate above 7,000 feet
Mid-October – Dunraven pass closes, Beartooth Highway Closes (outside northeast entrance)
November in Yellowstone
Crowds: low
Services: limited
**Access: winter travel restrictions for all areas except Mammoth to northeast entrance
Bighorn sheep rut near the north entrance
Bison begin migrating to lower elevations
Snow begins to accumulate below 7,000 feet
Wolves in Lamar Valley
Early November – interior roads close to vehicles and fishing season ends
Check closure dates before planning your fall trip – Yellowstone Park Facility Opening & Closing Dates.
Lodging, Food & Gas in the Fall at Yellowstone
During our trip the second week in October, we found limited services for food and gas available. All general stores were closed. Check the dates when the general stores in the park are open.
TIP: Pack a cooler with drinks and food for your travels within the park. Buy these items at a grocery store outside the park. The stores inside the park, when open, are pricey.
The service stations around the park open and close seasonally. The one we used often was at the 4-way stop in the Canyon area. This station had limited food and drinks to purchase. There are gas pumps open year-round at Mammoth Hot Springs and Tower Junction.
Yellowstone Weather & Road Conditions in the Fall
The weather in Yellowstone during the autumn months can vary greatly between weeks and even days.
- September: low: 30F, high: 64F
- October: low: 22F, high: 51F
- November: low: 12F, high: 34F
Days get gradually shorter as winter nears, and temperatures drop rapidly once the sun goes down.
The National Park Service recommends contacting the following organizations when finalizing your trip plans to Yellowstone:
National Weather Service forecast for Yellowstone WYDOT Road Information 888-WYO-ROAD
M-DOT Road Information 800-226-7623.
The week before our trip in October, Yellowstone had a snow storm that closed roads or required chains to travel those roads. By the time we arrived, the roads were open and clear, but the mountain peaks were covered with snow.
There were sections of Dunraven Pass that would be wet during the day from the melting snow on the sides of the road that turned to ice at night. You had to be careful traveling those sections in the early morning or at night.
TIP: Know the Current Conditions at Yellowstone before you arrive so you can plan and modify your itinerary as needed.
The weather during the Fall months in Yellowstone can be unpredictable. One day it could be sunny and warm, and the next it is cold and snowy.
Be prepared for sudden changes. Always be equipped with clothing suitable to various types of temperatures and weather. Dress in layers and plan to add and remove the layers often.
Here's our list of clothing and gear we recommend:
- Merrell Moab hiking shoes | Oboz hiking shoes | Insulated boots (just in case)
- Darn Tough Socks
- Wicking and quick-drying base layers
- Fleece or insulated jacket
- Wool, down or heavy-weight insulated jacket
- Waterproof rain jacket
- Insulating hat
- Insulating winter gloves
- Fleece neck gaiter or buff
Cold Weather Clothing & Gear List
Other Yellowstone packing essentials:
- US National Park packing list
- Camelbak hydration packs or carry Hydroflask bottles in your day backpack
- Hand sanitizer
- Binoculars or spotting scope
- Yellowstone Map
- First aid kit
- Bear spray
- Camera gear
Fall Hiking in Yellowstone
Hiking in Yellowstone, even if you only go a mile or so from the trailhead, is the best way to experience the park without the distraction of too many other people.
During the fall, your hike can yield amazing autumn colors and opportunities to see wildlife as they get ready for the coming winter. You could see bear, elk, pronghorn, bighorn sheep, deer, moose and eagles.
TIP: Carry Bear Spray and know how to use it!
Be educated about bear safety: the National Park Service and YellowstonePark.com websites provide information and videos on this important subject.
There are so many easy Yellowstone waterfalls to see that don't even require hiking that you can add to your itinerary list.
Yellowstone Wildlife in the Fall
Wildlife Viewing Guidelines: Do not approach bears or wolves on foot within 100 yards (91 m) or other wildlife within 25 yards (23 m).
Keep a safe distance from all wildlife. Each year, park visitors are injured by wildlife when approaching too closely.
Use roadside pullouts when viewing wildlife.
Use binoculars, scopes or telephoto lenses for safe viewing and to avoid disturbing them. By being sensitive to its needs, you will see more of an animal's natural behavior and activity.
Here's a good general rule: if you cause an animal to move, you are too close!
It is illegal to willfully remain near or approach wildlife, including birds, within ANY distance that disturbs or displaces the animal.
Educate yourself about Safely Viewing Wildlife and watch Wildlife Safety Videos produced by the National Park Service. It's important to understand the best way to visit Yellowstone National Park without making headlines!
Elk in Yellowstone in the fall
Elk enter their breeding season during the fall, called the rut. During this time, male elk are vying for the attention of females, and they do this by bugling.
Click to hear the bugle of an Elk and learn more about Yellowstone Elk.
The best place to view elk in the fall is in the town of Mammoth. We were amazed at the number of elk there. If you plan to visit Mammoth, you should read this article: "Bulls Behaving Badly: Yellowstone in a Rut". It accurately describes the elk rut in the town and provides insight on viewing them safely AND keeping your car free of dents from large elk racks!
We also see elk along the Madison River, along the road from Tower to Mammoth, and at the north entrance just outside the city of Gardiner, Montana.
Bears in Yellowstone in the fall
During the fall, bears are preparing for winter hibernation. You may see them foraging for berries, nuts and other snacks to keep in their dens.
Black bears are usually active during daylight. Look for black bears in small openings within or near forested areas. They are most commonly observed on the northern portion of the park along the road corridor from Elk Creek to Tower Falls, and from Mammoth Hot Springs north to Indian Creek.
Grizzly bears are active at dawn, dusk and night. Look for grizzly bears with binoculars or a high power spotting scope in open meadows just after sunrise and just before sunset. Grizzly bears are most commonly observed in Lamar Valley, Swan Lake Flats, Gardiners Hole, Dunraven Pass, Hayden Valley and in the wet meadows along the East Entrance Road from Fishing Bridge to the East Entrance of the park.
One October trip to Yellowstone we were driving near Gibbon Meadows, just west of Norris. There were several cars pulled off to the side of the road which usually means wildlife sighting.
Luckily we were able to park so we were off the road. In the meadow was a grizzly sow with her cub.
Watching wildlife in nature, so close and in person, is enthralling. Watching the spectacle of humans on the roadway or in the meadow trying to get closer to the bears, is very sad to see.
TIP: When you see cars pulled to the side of the road, stop at a turnout or drive slowly to make sure you don't miss a good wildlife scene! DO NOT STOP IN THE MIDDLE OF THE ROAD to take pictures. (Or stop in the middle of the road, put your car in park, get out of the car and walk away to take a picture….yes, that really happens.)
Watch this video about Bear Jams in Yellowstone to understand your responsibility as a visitor at the park viewing wildlife.
Bison at Yellowstone in the fall
Most bison head down to lower elevations during the fall because Yellowstone winters can be so severe. This annual migration helps them to better find the resources they need once the snow accumulates.
Hundreds of bison head to Lamar Valley, Mammoth Hot Springs, the Old Faithful area, and sometimes cross Yellowstone's border into Montana farmland.
This migration causes Bison Road Jams. Use patience and common sense when encountering these animals on the roadways in the park.
Did you know that bison:
- injure more people in Yellowstone than any other animal
- can sprint three times faster than humans can run
- are unpredictable and dangerous
TIP: The safest view of wild animals is often from inside a hard-sided vehicle.
Yellowstone Photography Spots in the Fall
Our favorite things to photograph in Yellowstone are waterfalls, wildlife and thermal features.
Yellowstone Waterfall Photo Spots
Keep in mnd the waterfalls in the fall aren't as full of water, but they are still impressive. Some of our favorite waterfalls to photograph in Yellowstone:
Firehole Falls
Undine Falls
Gibbon Falls
Lower Fall
Moose Falls
Yellowstone Wildlife Photography Spots
We have had success photographing wildlife in these areas:
Lamar Valley: bison, antelope, grizzly bears, wolves, coyote and moose
Hayden Valley: bison, grizzly bears, raptors
Tower: black bears, elk and moose
Mammoth: elk
Yellowstone Geyser Photo Spots
Our favorite locations to photograph the thermal features:
Old Faithful (and the hot pools in that area)
Grand Prismatic (and the hot pools in that area)
Mammoth Hot Springs
Artists Paintpots
Mud Volcano
Your Photography Journey Facebook Group
This is the group for you if...
• You have a camera
• You like taking pictures
• You want to improve your photography skills
Places to Stay Near Yellowstone in the Fall
In the fall we like staying in Gardiner, Montana so we're close to Mammoth (and the elk), We also enjoy Silver Gate and Cooke City because they are so close to Lamar Valley (for other wildlife).
If you prefer to see the waterfalls and geysers, then it's best to stay in West Yellowstone. Here are places we've stayed, and recommend, in these towns:
ClubHouse Inn, West Yellowstone
Yellowstone Gateway Inn, Gardiner
Sunny Log Home on the Creek, Silver Gate (VRBO) – the most AMAZING location with awesome fireplace and comfy bed!
Mountain View Cabin, Cooke City (Airbnb)
CHECK THIS OUT: $40 Coupon for Airbnb
Plan a US National Park Vacation
US National Park List: 25 Beautiful Parks to Visit
US National Parks to Visit with Kids
US National Parks to Visit in the Spring
US National Parks to Visit in the Summer
US National Parks to Visit in the Fall
US National Parks to Visit in the Winter
US National Parks Packing Lists
US National Park Vacation Destinations
US National Park Travel Guides
US National Park pass – it's really a good deal


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About Costa Rica
Well known around the world as one of the most peaceful and oldest democracies in the world with no army since 1948.
Costa Rica is a destination that offers multiple options of vacation, is the leader in adventure travel and ecotourism, but also a favorite destination for health and wellness tourism, educational tourism and youth tourism. As a country, we are preparing, too, to compete in the tourism of congresses and meetings.
In just 51 000 square kilometers, Costa Rica represents the 5 percent of global biodiversity. Our country has become one of the favorite destinations for responsible and sustainable tourism lovers.
More than 25% of our land is set aside in perpetuity for conservation purposes as Wildlife Refuges, Protected Areas and many National Parks. In Costa Rica we can find more than 4% of the world's biodiversity, being such a small country that is an impressive figure. This allows you to see all kinds of wildlife including four species of monkeys, turtles, caimans, birds, amphibians plus an immense variety of Flora.
Costa Rica is full of "Micro-Climates" ranging from the Tropical Rain Forest, Dry Forest, Cloud Forest and semi Paramus forests. Visitors have found this country to be a sanctuary of flora and fauna.
Costa Rica offers many exciting ways to immerse yourself in its the consummate destination for exploring ecosystems and connecting with a peaceful culture.
One thing that makes Costa Rica such a wonderful place to visit is that for such a small country it offers an extraordinary range of outdoor adventures.
People of all ages can enjoy safe and thrilling adventure activities; and if one thrill is not enough, there are plenty of others to experience - river rafting, ocean kayaking, cave exploration, rappelling down waterfall canyons, zooming on ATVs, or perhaps flying across the jungle on a zip line. The country is an adventure-seeker's Paradise for sure.
Weather and Climate
The Continental Divide runs through the country's interior and weather patterns from both the Pacific and Caribbean sweep across the divide's verdant slopes. Costa Rica's northernmost regions tend to be more flat and arid and have dry tropical forest, while increased humidity and precipitation creates lush jungles in the south. The country's rainiest months, termed the "green season," start in May and run until early December. The dry season typically lasts from December through April. Weather along the Pacific coast tends to follow these patterns. The Caribbean coast, however, is much less predictable and can receive rain throughout the year.
Much of Costa Rica's biological diversity can be attributed to its location between two continents, as well as its numerous microclimates, which vary by elevation amid the country's mountainous and volcanic landscapes. Having a well-grounded and realistic understanding about Costa Rica's weather patterns will help travelers plan their trip and avoid unpleasant surprises.
The Ticos: Costaricans
Those who know Ticos consider them to be very polite and happy people. We invite you to Costa Rica to discover a wonderful new world and a new kind of experience!


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The internet is a virtual anarchy of information. There is no sense of peer review, which means anyone can publish anything. Critics, seeing that students often plagiarize or accept any information as valid, simply dismiss the internet as a bad idea for education.
The problem with this rejection is that there are great sources out there. Simply handing a kid a textbook and saying "this is the truth" is equally dangerous. According to our textbook, Hawaii offered to become a state and the Spanish-American War occured only after they attacked us first. In reality, we acquired Hawaii through a military coup and we sunk our own ship, the USS Maine, to continue with our own expansionist goals.
So, how do I get students to think critically about the internet? A major part begins with teaching students to find bias by examing sources. On the first day of class, rather than spending the period covering rules and procedures, students do an activity about the dangers of dyhydrogen monoxide (water) and later see the lies from former teachers. Many students have no idea that the George Washington cherry tree story is a lie or that Columbus what not the first European to go to the Americas.
During the actual activity, I have them fill out a chart.
The first row has: Questions
The second row has: Facts
The third row has: Bias of the site - any elements of propaganda
The fourth row has: Reliability: Reason the source is reliable or unreliable
The chart might seem convoluted, but it forces students to ask, "Is this a credible site?" Also, the "in your own words" is key, given the propensity of students to simply copy and paste. Often this had led to some healthy debtates about sources. For example, can we trust either Fox News or CNN? A liberal or conservative will have different views. Should we trust wikipedia? It's often very accurate, but there are many times when someone sabotages a page.
Thursday, April 24, 2008
Tips for Using Internet in Research
Posted by Anonymous at 6:00 AM
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2019 concludes warmest decade, says provisional figures
Author: Grahame Madge
08:30 (UTC) on Tue 3 Dec 2019
When viewed alongside 2016 – the warmest year on record and dominated by a significant El Niño – this year is likely to be the second or third warmest year for annual global temperatures since 1850.
Scientists at the Met Office Hadley Centre and at the University of East Anglia's Climatic Research Unit produce the HadCRUT4 dataset, which is used to estimate global temperature.
The HadCRUT4 global temperature series shows that the average of January to October 2019 was 1.04±0.1 °C above pre-industrial levels, taken as the average over the period 1850-1900, and 0.43±0.1 °C above the 1981-2010 average. 2019 is nominally the third warmest year in the HadCRUT4 series. Figures from other global centres place 2019 as second warmest.
Colin Morice of the Met Office Hadley Centre said: "Our global temperature figures are in agreement with other centres around the world that 2019 is set to join each of the years from 2015 as the five warmest years on record.
"Each decade from the 1980s has been warmer than the previous decade. 2019 will conclude the warmest decade in records that stretch back to the mid-19th century."
The main contributor to warming over the last 170 years is human influence on climate from increasing greenhouse gases in the atmosphere. 2019 remains around 1 °C above pre-industrial temperatures (1850-1900).
The Met Office annual average global temperature forecast for 2019 said the global mean temperature for 2019 was expected to be between 0.98 °C and 1.22 °C above the pre-industrial average period from 1850–1900. The provisional figure for 2019, based on an average of three global temperature datasets, of 1.11±0.1 °C above the long-term (1850–1900) average is well within the predicted range.
The HadCRUT4 global temperature dataset is compiled from many thousands of air and sea-surface temperature measurements taken across the globe, from all continents and all oceans. The regional variations in temperature are themselves informative in understanding the mechanisms that cause warming in response to the continuing build-up of greenhouse gases in the atmosphere.
Prof Tim Osborn is the Director of Research at the University of East Anglia's Climatic Research Unit. He said: "The five warmest years for average global surface temperature since records began in 1850 have all occurred in the last five years; by contrast the five coldest years all occurred before 1912. This is climate change and not a coincidence."


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We've barely been getting any updates on Indiana Jones 5, but after a series of delays, it looks like the movie is finally ready to move forward. Just in, it's said that the film is aiming for a production start sometime early next year.
As per Discussing Film, Indiana Jones 5 is looking at an April 2020 start:
Of course, it's possible that this can still be moved. But with a window set, we sort of have an idea of how far off pre-production is already at.
The last news we had of Indiana Jones 5 was that the movie will be scrapping Jon Kasdan's script in favor of a new one from Dan Fogelman (Cars, Tangled). We have no idea what kind of story to expect, but it's said that Harrison Ford will be coming back as everyone's favorite archeologist, and fans speculate that he'll properly pass on the torch this time around.
Back in Kingdom of the Crystal Skull, it looked like the franchise was ready to pass on the torch to Shia LaBeouf's Mutt Williams, but the movie was poorly received, and it's said that LaBeouf won't be coming back for this film.
We don't know if Indy 5 is planning to pass the torch on at all, but a lot of fans would want the new lead to either be Chris Pratt or Chris Pine. We don't know who the right choice is, but hopefully Lucasfilm can reinvigorate the franchise just like they did with Star Wars back in 2015.
Indiana Jones 5 is set to for a release on July 9, 2021.
See Also: Jon Kasdan's Indiana Jones 5 Script Will Be Rewritten By Dan Fogelman


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Teachers of the Year
CBF respectfully acknowledges the life of
our good friend Russell E. Train, who
died in September of this year. The
beloved husband of CBF's trustee Aileen
Bowdoin Train, Mr. Train was among the
most influential environmental leaders in
this nation's history. A brilliant tax attorney by training with degrees from
Princeton University and Columbia
(University) Law School, Mr. Train was
described by the New York Times as "the
father of the National Environmental Policy Act of 1968, the cornerstone of all modern federal environmental legislation." (New York
Times, September 17, 2012) Mr. Train's career took him to the
Department of the Interior, where he served as Under Secretary; the
Council for Environmental Quality, where he was the first
Chairman; and the Environmental Protection Agency, where he was
the second Administrator and helped shaped many of this nation's
environmental laws, including the Clean Air Act, the Clean Water
Act, and the Endangered Species Act. Upon leaving the federal government, Mr. Train joined the World Wildlife Fund, first as its
President and then as Chairman and Chairman Emeritus.
Mr. Train cared deeply about the Chesapeake. In 1973, he accompa-nied the late Senator Mac Mathias on a 450-mile boat tour of theBay. That voyage led to EPA's study and its 1983 report document-ing systemic declines around the Chesapeake and, then, to the firstBay agreement.
Mr. Train served his country and its people with distinction. He wasalso an author of several books, a lover of travel, and a devoted fam-ily man. In remembering Mr. Train, CBF President Will Baker wrote,"I feel fortunate to have known Russell for many years. This world isa better place, thanks to him. I will miss him greatly."CBF also respectfully acknowledges thelife of our third Executive Director,David B. McGrath, who died inSeptember of this year. While Mr.McGrath served as CBF's ExecutiveDirector briefly in 1980 and 1981, he lefta strong and positive mark on the organ-ization. After graduating from HarvardUniversity in 1951, he served in the CIAand traveled the world. Upon retiringfrom the CIA, the environment became apassion of his. Not only did he dedicatehimself to CBF, but also he served on the boards of the RachelCarson Council and the Audubon Naturalist Society. "David wassuch a great partner," Will Baker said. CBF remembers Mr.McGrath's warmth and dedication. We extend our condolences tohis family.


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Your products and your store are ready. What is the finishing touch that will give your brand a style all it's own? We make it easy to print customized hang tags that accentuate each item. Even if your tags are intended as informational, they promote your brand. Hang tags are an easy solution to add pricing, instructions, or your brand story with a professional design. Although most often used for garment or clothing tags, they will expertly brand all types of products by labeling jars, bottles, food and more. Because they reflect your brand identity, they serve multiple roles, so will attract, as well as inform, customers.
Brand packaging & retail tags
Personalize favor & gift tags
Choose from a variety of premium papers
Add string hole for easy hanging
Turn around time varies based on job complexity and size. We also provide design services.
Please feel free to contact us at firstname.lastname@example.com or via WhatsApp with any questions you may have.


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Item sold on 2019-02-25 - Shipped on 2019-04-01
Shipper: Holiday Moving (920-539-2349)
Item# 29639
Multi-item shipping discount available on two or more pieces. Add to cart to see rates.
This traditional Dutch "Kas," a dowry cabinet or armoire from about 1920 was hand carved of oak from Holland with genuine rosewood and ebony from the Dutch West Indies. These magnificent pieces descended with the daughter of a wealthy family, used to hold her dowry of silver, pewter, linens and china.
The bold crown, deep moldings and bun feet are classic. Hand carved lion heads and vines with grapes are artistic. Inside are shelves and a silver drawer. The large lower drawer has solid oak sides with hand cut dovetail joints. A giant key operates the door lock
Dimensions are 68" wide tip to tip, 24" deep and 74" tall.
Please view 30 photos at full screen size for best detail. Related items in photos are sold separately.
We are happy to request independent shipping quotes, please contact us with your zip code.
Copyright ©1998-2020 Harp Gallery Antique Furniture.
All rights reserved.


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If you live in Saint Francis, WI and you're in need of a home appliance repair, call us now at 844-257-6609 to speak with a technician that can handle your appliance repair, service and maintenance demands, no matter what type of appliance or brand. Don't be inconvenienced by malfunctioning or broken appliances. Call now, we make it easy to connect to a Saint Francis, WI appliance repair tech that can help. Covering cities in Milwaukee county and surrounding areas.
Dishwasher Repair
We rely on kitchen dishwashers to thoroughly clean our dishes, pots and pans while we spend our time on more enjoyable things like getting outside and enjoying the fresh Wisconsin air. But if your dishwasher leaves cloudy residue on your glassware or fails to completely remove food from dishes, you could be putting your family's health at risk. Dishwashers also may have extended wash cycles resulting from a faulty timer or thermostat. Or a malfunctioning float or float switch could prevent the wash cycle from ending properly. Either way, it may be a good idea to call us to schedule an appointment with a Saint Francis, Wisconsin dishwasher repair tech to assess the situation.
Milwaukee County Refrigerator Repair Techs
A refrigerator may be the most important appliance in your Milwaukee county home. It keeps food fresh and edible, protecting our health and saving us money. When your refrigerator maintains an interior temperature between 37° and 41° Fahrenheit, it retards the formation of bacteria in your food. If your refrigerator isn't working properly, call us to schedule a service call by a qualified and able Saint Francis, WI appliance repair tech. Some common refrigerator repairs in Saint Francis, Wisconsin are :
· Thermostats
· Seals around the door
· Condenser
· Compressor
· Solenoids
Saint Francis Washer & Dryer Repair
All too often we take the convenience of our home's washer and dryer for granted. Should you ever carry a week's worth of household laundry to a Saint Francis laundromat you'll know how exhausting and time-consuming that chore is. If leaks, excessive vibration/agitation or drainage/spinning problems keep you from washing laundry at home, you are in need of a washer and dryer repair man in Saint Francis, Wisconsin. Call us at 844-257-6609 will connect you with an Saint Francis, WI appliance repair tech who will be able visit your home and examine your washer and dryer to provide a solution to the problem. Common issues that can be fixed by a tech are -
· Belts
· Agitator
· Water Pump
· Motor & Transmission
· Dryer Blower
· Heating Element
· Pulleys and Rollers
Oven And Range Repairs in Saint Francis, Wisconsin
Have you ever been forced to dine in restaurants because you couldn't cook in your kitchen? If so, you know how expensive it is to eat out and how much money you save by eating at home. Not only is a malfunctioning oven, stove top or range inconvenient, precious family time together is often diminished and unhealthy dietary habits can result. If you need prompt service to get your kitchen operating again, call us now to be connected an appliance repair tech in Saint Francis, Wisconsin. Technicians can service most brands and types of stoves and ovens, including both electric and gas. Don't go another night without a home cooked meal, call now - 844-257-6609!
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- Big Bend, WI
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- Lannon, WI
- Racine, WI
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- Pewaukee, WI
- Oak Park, IL
- Cambria, WI
- Bellwood, IL
- Kingston, IL
- Rio, WI


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Product Details
Fact: You spend as much time looking at your TV stand, as you do your TV. Because your TV is on it - duh. That's why it's important to have a stylish stand! Glass meets wood to create a beautiful home for your precious television. You're sure to get all the compliments, even from that friend who claims "they don't watch TV." Suuuure.
- 2 Cabinets
- Edge Pull Handles for Drawers
- Glass Storage Shelf
- Mid-Century Leg Design
- Rear Cabling Holes
- White and Wood Two-Toned Styling
- Dimensions:
- 59in. (W) x 15.5in. (D) x 17in. (H)
- Material:
- Legs:
- Hard Wood Legs
- Wood:
- MDF Wood with Veneer
- Pieces:
- 1
- Style:
- Mid-Century
- Weight:
- 64.5lbs
WARNING: This product can expose you to chemicals including Tris(1,3-dichloro-2-propyl) phosphate, which are known to the State of California to cause cancer. For more information go to www.P65Warnings.ca.gov.
- Effort:
- Hard
- Time:
- 60 Minutes
Assembling this will prove to your parents that you're an adult. Next step: Making your own dentist appointments.
Easy to ship
Made to ship easily, our pieces can make it into a truck, through your door, and into your home without twisting, turning, flipping, and rotating.
What our customers are saying about this TV Stand
Why Arbr?
Build your dream home with furniture that will last.
We're over the short term "situationships" and have matured into long term committed relationships with our products.
- Regular price
- Sold out
- Sale price
- $164.99


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Dear Mom, You Taught Me Everything But To Live Without You
Dear Mom, You Taught Me Everything But To Live Without You
My Dear Mom,
I still remember the pain you went through when I was in your womb for seven months. Yes, I came out early mom because I wanted to see you smile, I didn't want you to feel more pain. And mom I still remember the pain you went through when I was five and fell from the stairs.
You didn't allow me to fall, instead you hurt yourself by holding me on your shoulders. When I cry, people say you are watching me.
But are you really watching me mom? I don't trust people so easily and you know that. If you were watching me, you would have stopped my tears, isn't it mom? Because I know, you can't be that stone-hearted that you'll see me crying and won't even console me. People force me to eat food, but how can I swallow it knowing the fact that you aren't with me anymore?
On your 30th anniversary, I was really excited mom. People here are following rituals of the 3rd day of your death. Do you remember when I asked you about the gifts you wanted on this day and you said, "just be happy, beta," do you remember our talks mom? You always wanted me to be an engineer. See, I became one and will you come to my graduation day, mom? Remember how we dreamt of hugging each other at my graduation ceremony? Can you fulfill this dream now, mom?
You always wanted me to be successful. If I turn out to be successful, will you come to see me, mom? Will you be there to share my happiness on those days? You always wanted one kanchivaram saree from my first salary. I will get you as many sarees as you want but will you wear them for my sake, mom?
It doesn't need your whole body to function, it just needs you to breathe.
Can you just breathe? Can you just see me earning my livelihood? Do you remember mom, whenever we went for shopping, you always asked me to get the costliest things for you. I will buy you everything you want, will you just see me once, mom? Why don't you answer me? This is so cruel of me. I'm still asking you questions when I know this time you can't answer me, for the first time in my whole life.
When I went to live in a hostel for the first time, you sobbed the whole day. When I was in the hostel and you prepared good food at home, you used to call me just to inform me that you missed me. Now I won't go back to the hostel, mom. Can you prepare some food for me now? And now, for how many days should I cry? Till you come back to see my success? Or till I'm dead? Did you hear people speaking, mom?
Everyone from father's side was praising you today. They said, "She was (it hurts to use the word 'was') the kindest of all daughters-in-law in our family. She was the best," they said mom. And mom whenever you had fights with dad for minor reasons, you used to say, "My youngest son will take care of me, my youngest son will take me to his home."
Yes mom, I will never let you cry in my new house. I will take care of you. Please come back.
Please? I still remember mom, when I had a ligament tear on my knee 2-3 months ago, you helped me; To sit. To stand. To walk. To brush. To sleep. You even helped me bathe. But why didn't you teach me to live without you? Remember you used to tease me when you saw my pictures with girls? But you left me without seeing my bride, mom. Without selecting the girl for me or without accepting the love of my life.
I don't think I will smile ever again, like I used to. Laugh like I used to. Roam around with friends like I used to. I have many complaints from you for leaving me like this, mom. I had fresh wounds in my life and your loss made it worse.
I can't type more, mom. I can't deny the fact that my tears are rolling down my cheeks while I type this. But, you aren't there to pick me up. Please teach me to be strong, mom. I beg you.


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Moving towards Peace in Syria
Good evening, ladies and gentlemen.
"Please allow me to express my gratitude to you for inviting me to speak in this important event today where we will all attempt to understand how we can move towards peace in the Middle East and North Africa. Before discussing the issue on peace in Syria, I want to start by asking; "what do we really mean by 'Syrian' peace?"
Is peace about 'reconciliation', 'conflict resolution', 'ceasefire' or something else? I believe that 'Syrian peace' is about tolerance. Tolerance helps people embrace their political and religious differences through understanding, dialogue and acceptance.
Three years into the Syrian conflict, the death toll has exceeded 160,000. The number of refugees has reached 9 million, 6.5 million of whom have been internally displaced, and around 100,000 are asylum seekers in Europe alone, as reported by the United Nations High Commissioner for Refugees. In the Syrian conflict, around 10,000 are foreign fighters, 400 of whom are British Muslims and are among the 100,000 to 120,000 armed rebels following hard-line al-Qaeda-style ideologies, as reported by Charles Lister, a visiting fellow at the Brookings Doha Center. The Syrian economy has lost US$84.4B since the uprising erupted. Some estimates put the loss of jobs at U$2.33M during the first two years of the conflict. A survey conducted by the Microfinance Department of the UN's Relief and Works Agency indicates that the Syrian economy will take approximately 30 years to return to its 2010 economic levels. The country is experiencing severe shortages in fuel, water, electricity and essential supplies. The agricultural sector, which was once one of Syria's economic pillars, has been destroyed. Over 60% of Syrian infrastructure has been demolished, and the main heritage and tourist sites have been destroyed or looted. A vast number of Syrians rely on relief aid, especially those in the northern regions.
How can we therefore reach peace with the continuing war in Syria? Providing more arms to the so-called 'rebels' will only exacerbate an already chaotic situation and could, in the long term, lead to deepening political and sectarian divisions in Syria. The West and the Middle East must deal with this conflict in not only an objective but also a sensitive manner. Simply arming a certain side will not bring the conflict to a reasonable conclusion. In truth, the opposition group has no answers to the conflict. However, many of its leaders endorse that arming the 'moderate' rebels or allowing Western military intervention will lead to the fall of President Bashar al-Assad and the Baathist regime.
This analysis is naïve because it illustrates a lack of understanding of the reality in Syria. What may seem like a simple solution to end the conflict can lead to more instances of internecine conflict and tit-for-tat killings. In other words, the cycle of violence becomes never-ending. As the forces of the Islamic State of Iraq and the Levant (ISIS) quickly advance, questions and concerns have emerged on the destiny of Syria if the regime falls. The naïve distinction between certain 'non-Islamist' moderate factions and 'extreme' factions becomes impractical in consideration of the current chaos in Syria. The question of rebel loyalty also arises. At any given day, a fighter may claim to stand with a so-called 'reasonable' faction, and then on the following day, he can declare allegiance to al-Qaeda. For instance, Nasser Muthana, a 20-year-old from Cardiff, was accepted to study medicine in four universities. Now, he is Abu Muthanna al-Yemeni who is fighting with the terrorist group ISIS in Syria. This example shows how morale, integrity and principles quickly change in Syria.
<b>Implication of the Syrian war to the rest of the Middle East and North Africa
If the war in Syria continues, the 'Afghanization' of Syria and the Levant should rightfully be feared. With ISIS advancement on the ground, which controls the northeast part of Syria, as well as with the capture of Rutba, 90 miles east of Jordan's border which crosses to Syria and two towns in western Iraq, terrorism will expand its territorial gains. If Syrians continue to leave the country and resettle in the west, more Syrians, especially the minority groups, will be encouraged to leave the Levant. As a result, three quarters of the Syrian population will be displaced, and Syria will lose its mosaic diversity. With reverse immigration to Syria from the Jihadists and foreign fighters, the danger of the rise of an Islamic state creates a battlefield similar to Afghanistan, Iraq and Somalia. The country will gradually change into a hub of extremism and terrorism in the world.
If the arms race and the funding of the fighters by regional Arab countries continue, radical groups will have more territorial gains in Syria. Undermining the position of Shi'ism in the Levant as one of their main objective, they can further advance to Lebanon and Iran.
Lawmakers by now should have realised that no side in Syria, the opposition or the regime alike, can claim the moral high ground. The issue at stake is no longer about fulfilling the demands of Syrians, which was made back in 2011 to achieve political and social freedom. What we have now is a whirlpool of competing factions attempting to secure their own interests. Atrocities have mounted on both sides.
How we can bring peace in the region
What can we then do to bring peace to Syria? I think that the international community, especially Britain, should offer concrete support to the peace talks between the Syrian opposition and the government. Britain should support national Syrian reconciliation to persuade the two conflicting parties that only diplomacy and political dialogue can prevent the conflict from spiralling out of control. I urge the British government to chair peace delegations involving Syria, Turkey, Russia and Iran, as well as representatives of the Assad regime and members of Syrian opposition; so that they can all meet and discuss a transition plan in line with the UN Geneva Communiqué released last June. This would call for ceasefire and national reconciliation. Saudi Arabia needs to play a role in this peace delegation and reconcile its differences with Iran over Sunni–Shia presence in the Levant. Seeing this conflict drag on and ensuring the advancement of Islamist forces to other countries, similar to what happened in Iraq, will not be in Iran's or Russia's best interests.
Let us not allow Syria to fall victim to the axiom that the road to hell is paved with good intentions. I implore those who want Syria to remain a cohesive and diverse nation to work on national and international reconciliation for the country, so that the senseless violence which we witness day by day can finally be stopped. Let us heed the words of Gandhi that, 'Intolerance is itself a form of violence and an obstacle to the growth of a true democratic spirit'. Only tolerance can promote peace, and peace is the only solution which is sustainable and is not based on what seems ideal only in the moment."
2014 Events
Moving Towards Peace in the Middle East and North Africa
Date: Wednesday 25 June, 2014
Time: 6 pm start
UNA Putney and Roehampton
The UN Security Council - how it works and is it time for reform ?
Date: Monday 15th September, 2014
Time: 6 pm start
Venue: Putney Methodist Church
Contact: Robert Storey
The Economics of Killing Book Discussion and screening of the film 'Change the World' organised by UNA Bexhill and Hastings
Keynote Speaker:
Date: Saturday, 27th September, 2014
Time: Starts 10:30am
Venue: TBC
Contact: Linda Bailey
Uniting for peace
The Human Right to Peace
Foundation for a Just International Order
Keynote Speaker:
Date: Thursday 9th October
Time: 18:00 - 20:30
Contact: Vijay Mehta
Uniting for Peace Annual Conference
Date: Tuesday 25 November
Time: 6.00 pm - 8.30 pm
Venue: House of Lords, Room 4a
Contact: for further information contact Vijay Mehta at email@example.com
2014 Past Events
A New Momentum for Peace - No Syria Intervention - What Next?
UK's Ethical Foreign Policy - After No War on Syria can soft power prevail ?
Saturday 29 March
Time: 10.30 am - 4.30 pm
Contact: firstname.lastname@example.com
The Economics of Killing Book Discussion and screening of the Film 'Change the World' organised by Cardiff and District UNA
Robin Attfield email@example.com
The Economics of Killing Book Discussion and screening of the film 'Change the World' organised by University of Liverpool
Date: Tuesday 4 March 2014
Time: 3.30 - 5.00 pm
Venue: TBC
Contact: Dr Philip Leech
The Economics of Killing Book Discussion and screening of the film 'Change the World' organised by Manchester Model United Nations Society
Date: Thursday 27 February
Time: starts 5.00 pm - 7.00 pm
Contact: Heena Mohammed
The Economics of Killing Book Discussion organised by Clare Politics, Clare College, Cambridge
Date: Tuesday 18 February
Time: Starts 8 pm
Venue: Clare College, Trinity Lane, Cambridge CB2 1TL
Contact: Adam Terry
The Economics of Killing Book Discussion organised by North Staffordshire UNA Youth
Date: Thursday 13 February
Time: Starts at 4 pm
Venue: Newcastle Under Lyme School, Mount Pleasant, Newcastle Under Lyme, ST5 1DB
Contact: Reece Edmonds
The Economics of Killing Book Discussion organised by UN Society at SOAS
Date: Thursday 30 January
Time: Starts at 6.00 pm
Venue: Room No. VG06, Vernon Square Campus, SOAS, London WC1X 9EW
Contact: Rahim Lakhani
The Economics of Killing Book Discussion organised by University of Westminister Department of Politics and International Relations
Date: Thursaday 23 January
Time: Starts 6.00 pm
Venue: 32 - 38 Well Street, London, W1T 3UW (Top floor)
Contact: Aidan Hehir firstname.lastname@example.com
5 - 7
Towards a Nonviolent Future: Seeking Realistic Models for Peaceful Co-existence and Sustainablity organised by Anuvrat Global Organisation (Anuvibha)
Anuvibha Jaipur Kendra, Opposite Gaurav Tower, Malviya Nagar, Jaipur, India
2013 Past Events
Race, Faith and World Peace
Distinguished speakers:
The Economics of Killing Book Discussion organised by The Grimshaw Club.
Time: 6.30 pm - 8.00 pm
Venue: London School of Economics, The LSESU Grimshaw International Relations Club, Clement House 2.02
Contact: Valerie Tang
The Economics of Killing Book Discussion organised by UNA Gloucestershire County & Quaker Peace Group
Time: 7.30 pm - 9.30 pm
Contact: Christopher Dickenson,
The Economics of Killing Book Discussion hosted by DEVsoc and PSI society
Time: 7.00 pm
Venue: Arts 01.02 (a lecture theatre) on UEA (University of East Anglia) campus, Norwich Research Park, Norwich
The Economics of Killing Book Discussion hosted by Tavistock Peace Action Group
Time: 19:30 Start
Venue: Tavistock United Reformed Church, Russell St, Tavistock
Contact: Ginny Davies
The Economics of Killing Book Discussion organised by London Metropolitian University
Time: 2 - 4 pm
Contact: Please contact Tiffany at: firstname.lastname@example.com
13 - 25
UNA Westminister Hosting Film Festival
Time, venue details and synopses
View Flyer
The Economics of Killing Book Discussion organised by The York University Green Party
Time: 18:30 Start
Speaker: Vijay Mehta, Author of the Economics of killing
Venue: V/N/123 Vanbrugh College, University of York, Heslington, York, North Yorkshire, YO10 5DD
Contact: Alfie Van den Bos - email@example.com
The Economics of Killing Book Discussion organised by RUHL, Diplomatic Society
Time: 18:00 start
Speaker: Vijay Mehta, Author of the Economics of killing
Venue: Royal Holloway, University of London, Egham, Surrey (Room to be decided, please email Maria for details)
Contact: Maria Rodriguez Schaap - firstname.lastname@example.com
Unting for Peace Annual Conference The Real Agenda: Syria, Mali and DRC - Terrorism, or Resource Wars ?
The Economics of Killing Book Discussion organised by Schumacher College
20:00 start
Schumacher College, The Old Postern, Dartington Hall, Totnes, TQ9 6EA
For more details about the Spiritual Activism course - sustaining the path of non-violence click here
Peace Service 2013
Time: 3 pm
Address: Dover Unitarian Church,
Led by Andreas Weisner Uniting for Peace
Contact: Andreas Weisner,
The Economics of Killing Book Discussion organised by: Philosophy Politics and Economics, University of Oxford
Time: 7.30 pm - 9.30 pm
Speaker: Vijay Mehta, Author of the Economics of killing
Venue: Corpus Christi Auditorium, Merton Street, Oxford OX1 4JF
Contact: Eve McQuillian - email@example.com
The Economics of Killing Book Discussion by Cambridge Hub
The Economics of Killing Book Discussion organised by Scottish Campaign for Nuclear Disarmament
19:00 Start
Venue: Wellington Church Library, 77 South Park Avenue, Glassgow, G12 8LE
Contact: Flavia T
18:00 - 19:30
Morris Lecture Theatre
October / November
Quakers in York
The Economics of Killing Book Discussion hosted by UNA Lymington
Concord College and UNA Shropshire welcomes you to a book discussion on Vijay Mehta's latest book: The Economics of Killing
Sunday Lecture: The Economics of Killing 11:00
Conway Hall Ethical Society presents Sunday Lecture: The Economics of Killing - Vijay Mehta
Venue: Conway Hall, 25 Red Lion Square, London WC1R 4RL
21 - 22
UNITING for PEACE - September Peace Days 2013
20 - 21
Friends Meeting House, Mount Street. Manchester, UK
Due to unavoidable circumstances the Annual Erskine Childers lecture 2013 has been cancelled.
The Series of Annual Erskine Childers lecture for 2014 will continue.
Uniting for Peace apologises for any inconvenience
2013 Annual Erskine Childers lecture, United Nations and European Union - can they work together for peace, democracy and rule of law ?
The Economics of Killing Book Discussion organised by London Campaign Against Arms Trade
6.30pm start
London CAAT,
Contact: Ian Pocock
Pope John XXIII's Landmark Document, Pacem in Terris (Peace on Earth) organised by NATIONAL JUSTICE & PEACE NETWORK (NJPN)
Read Vijay's Lecture
13 - 15
IPB (International Peace Bureau) Triennial gathering, Stockholm
"THE ECONOMICS OF KILLING" book discussion organised by London Region CND
Contact: David Polden - firstname.lastname@example.com
BIG Blockade
"THE ECONOMICS OF KILLING" book discussion organised by Peace News Summer Camp,
16:30 - 18:30
Social History Society, London is hosting The Economics of Killing Book Discussion Event
A book discussion on Prof. Akbar Ahmed's book 'The Thistle and the Drone' at the House of Lords
UfP Churches & Inter-Faith for Peace cordially invite you to:
"The Role of India's North - East in Global Development"
An event hosted by Friends of Assam and Seven Sisters in association with Nehru Centre (the Cultural Wing of Indian High Commission) and Tea Board of India as a part of "Celebrate Assam"
Dutch Student Association Netherlands is hosting The Economics of Killing Book Discussion Event
UNA Blackheath and Greenwich Branch is hosting The Economics of Killing Book Discussion Event at The Old Bakehouse, Bennett Park, 11 Blackheath Village SE3 9LA (opp. Blackheath Station)
The Economics of Killing Book Discussion Event hosted by Bristol University MUN Society
The Economics of Killing Book Discussion Event hosted by Southampton Hub
The Economics of Killing Book Discussion
University of Warwick
Faith and Peace -
The Economics of Killing Book Discussion by Oxford Hub
17 - 19
Human Rights and International Peace Keeping: From Military Intervention to local Anti-violence Efforts
Conference Hosted by: NUCHR
Evanston, Illinois, USA
2012 Past Events
Commeration of the Nobel Peace Day
The Economics of Killing Book Discussion Event
New Delhi, India
The Economics of Killing Book Discussion Event
Mumbai, MH 400001, India
The Economics of Killing Book Discussion Event
Hyderbad - 500 082, India
The Economics of Killing Book Launch Discussion
University of Bristol
Called to be Peacemakers Conference 2012 - 'Money, Power
Euston Road, London, UK
The Economics of Killing Book Launch Discussion
University of Sussex,
Celebrate International Day of Peace
I N V I T A T I O N: United Nations International Day of Peace 2012
Liverpool, UK
21st - 23rd
Peace Days 2012
The Economics of Killing Book Discussion Event
Quaker Meeting House, Edinburgh


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Limited Time offers:
- Earn up to $500 extra RewardCash by paying new policy's premium to HSBC Life with HSBC Premier Mastercard on or before 31 December 2020. T&C apply
Plan for you and your family's future with our life insurance plan with a savings element. This flexible plan enables you to achieve your goals by providing you comprehensive lifetime cover and guaranteed long-term savings.
This is a whole of life insurance insurance plan underwritten by HSBC Life (International) Limited.
Key features
- Life insurance protection upto the age of 992
- Guaranteed cash value which increases gradually throughout the policy term
- Annual dividends4,if any that you can withdraw as cash or rollover to boost policy value
- Optional coverage8 for total and permanent disability, major illnesses, accidental death and dismemberment, hospital cash and female diseases, at an extra cost
For more details, please refer to Product Brochure [PDF]
【Special Benefits for COVID-19】
We promise to help protect you and your family in times of need. Because of the COVID-19 outbreak, we're extending a complimentary special benefit to existing and new policyholders, as well as their partners and children. There are no limitations or special requirements on age or premium amount. See benefits details>
Speak with us
- Call (852) 2233 3130* to book a video-enabled meeting with an Insurance Specialist*(Monday to Friday from 11:00am to 7:30pm except public holidays)
- Visit an HSBC branch
Need to make a claim?
Fax us with the completed claim form.
Summary of cover
What's included?
Life cover
Your plan pays a lump sum to your family or beneficiaries for the amount you've insured plus any accrued dividends upon your death before you reach the age of 993.
To increase the protection, you can choose for a gradual increase of your sum insured by 5% each year for the first 10 years or until the age of 502 or 552 (whichever is earlier) without the need for further underwriting.
Your savings
An integral part of WholeLife Protection Plan is its long-term savings element, which is made up of the following key parts:
Guaranteed cash value which increases gradually throughout the policy term and will be equal to the sum insured when you reach the age of 993
Non-guaranteed annual dividends as determined by the Company. The amount of the annual dividends, if any, may vary from time to time at the Company's discretion
See more about our policy dividends
Flexible premium payment
You can choose the premium payment option that works for you. Pay a single payment, or choose monthly or annual premiums for 5, 10 or 25 years, or pay until you reach the age3 of 65.
You cannot withdraw the balance of a single payment unless you surrender the policy; a surrender charge6 will be imposed before the refund.
Please refer to the respective product brochure for detailed product features and product risks,and the policy provisions for the detailed terms and conditions.
Am I eligible?
WholeLife Protection Plan is generally available to anyone aged 652 or below. The plan is subject to the relevant requirements on nationality and/or addresses of the policyholder and/or life insured as determined by the Company from time to time.
Please refer to the respective product brochure for detailed product features and product risks,and the policy provisions for the detailed terms and conditions.
Additional benefits
More help when you need it
When life surprises you, additional benefits included in this policy can offer you more support.
Unemployment benefit
If you are unemployed for at least 30 consecutive days before the age of 652, you can defer payments of your premiums for up to 365 days and still receive the full protection of your policy.
Terminal illness benefit
If the life insured is diagnosed with a terminal disease and are given a death prognosis of not more than 1 year, we will pay your plan's life cover benefit in advance.
Waiver of Premium on Disability benefit
If you become temporarily disabled for at least 6 months, we'll pay future premiums on your behalf until you are fully recovered, or until the end of your premium payment period, whichever is earlier.
Payor's benefit (for a child's policy)
If you buy this policy for your child - aged 182 or below and you were to die or become temporarily disabled for at least 6 months, we will waive the future premiums until your child reaches the age of 253 or until the end of your premium payment term or until you are fully recovered (whichever comes first).
Optional benefits
You can choose to pay an extra cost to enjoy additional cover against total and permanent disability, major illnesses, accidental death and dismemberment, hospital cash, term protection and female diseases.
Please refer to the respective product brochure for detailed product features and product risks,and the policy provisions for the detailed terms and conditions.
Product brochure
All the information you need in one place
WholeLife Protection Plan Product Brochure
See more details of your WholeLife Protection Plan.
Policy dividend
Policy dividend for Participating Products
(Not applicable to HSBC Wealth Goal Insurance Plan)
Participating policy
HSBC Life (International) Limited ("the Company") issues participating policies, which are life insurance contracts providing both guaranteed and non-guaranteed benefits. The non-guaranteed benefits comprise the policy dividends which allow policyholders to participate in the financial performance of the life insurance operation. The policy dividends, if any, are in form of:
i) Annual dividends which are declared by the Company on an annual basis. Once declared, the amount of annual dividends for the year becomes vested and will be credited to your policy.
ii) Special bonus (applicable to Income Goal Insurance Plan only) which is a one-off entitlement declared at some a pre-determined policy year or upon early termination of the policy (e.g. death, surrender etc.) before the pre-determined policy year. The amount of special bonus may change from time to time based on the performance over the entire period before such declaration as well as the prevailing market condition and the actual amount will not be determined until it is payable.
Please refer to the policy provision of the respective plans for detailed terms and conditions.
The policy dividends (including annual dividends and special bonus) are not guaranteed, whether they are payable and the size of the dividends to be paid depend on how well the Company has performed with regard to investment returns on the assets supporting the policies, as well as other factors including but not limited to claims, lapse experience, expenses, and the long term future performance outlook. If the performance over the long term is better than assumed level, then dividends paid would increase and if performance is worse than expected then dividends paid would reduce.
The key feature of participating policies over other forms of insurance policies is that in addition to the guaranteed benefits receivable, policyholders will also benefit from additional dividend payments if the insurance company's performance is better than that required to support the guaranteed benefits. The better the performance, the greater the dividend payments, and, conversely, the worse the performance, the lower the dividend payments.
Dividend Philosophy
The Company conducts regular review on the level of dividends payable to policyholders. Both the actual performance in the past and also management's outlook of the long term future performance will be assessed against the assumed level, and where variances arise, gains and losses will be shared with policyholders in a fair and equitable manner though the adjustment of dividend scales.
When considering the adjustment of dividend scales, the Company also operates a smoothing philosophy in order to maintain a more stable payout to policyholders, so the level of dividends will only be changed if the actual performance is significantly different from the assumed level over a period of time or if management's expectation of the long term future performance changes substantially.
In order to ensure the fairness between policyholders of participating products, the Company will carefully consider the experiences of different groups of policies (e.g. different products, currencies, issue years etc.) so that each group of policies will receive a fair return reflecting mostly its own performance. To balance the interest between policyholders and shareholders, a dedicated committee is established to provide independent advice on the management of the participating policies and the determination of dividends.
Investment Policy and Strategy
The Company follows an asset strategy that
i) Ensures that we can meet the guaranteed benefits that we have committed to you;
ii) Delivers to you competitive long-term returns through the non-guaranteed dividends and bonuses; and
iii) Abides by a pre-defined set of risk tolerance.
The assets supporting the participating policies predominantly consist of fixed income assets issued by corporate entities with good credit quality (average A-rated or above) and long term prospects. Growth assets, including equity-type investments and alternative investments such as property, private equity and hedge fund as well as structured products including derivatives, are utilized in order to deliver returns reflecting real economic growth in the long run.
Our investment portfolios are well diversified in different types of assets, and are invested in different geographical markets (mainly Asia, US and Europe), currencies (mainly HKD and USD) and industries. The assets are carefully managed and monitored according to a pre-defined set of risk appetite.
Asset Type
Allocation % for Income Goal Insurance Plan
Allocation % for other plans
Fixed Income
Growth Assets
- Equities
- Alternative Investments
Asset Type
Fixed Income
Allocation % for Income Goal Insurance Plan
Allocation % for other plans
Asset Type
Growth Assets
Allocation % for Income Goal Insurance Plan
Allocation % for other plans
Asset Type
- Equities
Allocation % for Income Goal Insurance Plan
Allocation % for other plans
Asset Type
- Alternative Investments
Allocation % for Income Goal Insurance Plan
Allocation % for other plans
There could be slight deviation from the above range due to market fluctuation.
Actual allocations will take into consideration past investment performance of the assets supporting the policies, prevailing market conditions and future outlook, and the guaranteed and non-guaranteed benefits of the policies. This includes assessing factors such as risk tolerance and real economic growth over the appropriate time horizon.
For assets supporting Income Goal Insurance Plan, the exposure to growth assets is normally within the range of 0% to 40% during the accumulation period and the exposure will be reduced at the absolute discretion of the Company during the annuity period in order to achieve a relatively stable investment return.
Accumulation interest rate
Policyholders can choose , amongst other options, to accept their dividends, endowment coupons and annuity payments either in cash or to leave them with the Company to accumulate with interests (if applicable). The rates of interests are not guaranteed and will be determined by the Company from time to time. The review on such accumulation interest rates will be conducted regularly with reference to the portfolio bond yields, prevailing market conditions, outlook on bond yields, and the likelihood of policyholders leaving their payment for accumulation.
Fulfillment Ratio and Total Payout Ratio
Fulfillment Ratio [PDF]- in respect of non-guaranteed benefits
Total Payout Ratio [PDF]- in respect of total benefits including guaranteed and non-guaranteed benefits
Manage your policy
Manage your policy online
Access your policy details anytime, anywhere on both your HSBC HK Mobile Banking app and our Personal Internet Banking webpage, so you can check your benefits, coverage, premium due dates and much more at your fingertips.
You can also request for a dividends withdrawal from your policy (if applicable) and submit other service requests on our Personal Internet Banking webpage.
Make a claim
Sometimes life doesn't go according to plan and you'll want to make an insurance claim as soon as possible.
Simply call our Tele-Consultants at (852) 31280122 who will assist you in preparing your relevant claim request(s).
Have you considered
HSBC Term Protector
You insure your most treasured possessions so why not insure yourself in order to protect your family's future plans? HSBC Term Protector is a pure and simple life insurance product that is cost effective and can be applied online, in minutes, with no medical examination required.
HSBC Term Protector is a term life insurance plan with no savings element, which is underwritten by HSBC Life (International) Limited. It is not equivalent or similar to any kind of deposit.
Goal Access Universal Life Plan (Protection)
Build a reserve of savings and enjoy peace of mind with a life cover that can be adapted to fit your changing needs.
Note: Goal Access Universal Life Plan (Protection) is not equivalent or similar to any kind of deposit.
End Notes
1 WholeLife Protection Plan is not equivalent or similar to any kind of deposit.
2 We consider your age to be how old you are on your next birthday. So, if you are 54 with a birthday in 6 months' time, we consider you to be 55.
3 The policy anniversary at which you reach the specified age based on age at next birthday.
4 Annual dividends are not guaranteed.
5 The single payment option allows you to pay all the required premiums at a discounted value. The money will be locked into an investment to ensure the premiums paid and the projected investment return will be sufficient for future payments. Therefore you cannot withdraw the balance of a single payment unless you surrender the policy; a surrender charge6 will be imposed before the refund.
6 For a policy being surrendered in early years, the surrender proceeds to be received under the policy may be significantly less than the premiums paid. For single payment policy, if you surrender the policy in full or partially through reduction of sum insured, a surrender charge which is subject to change by us from time to time will be imposed on the balance of single payment.
7 It is only applicable to the plan with policy term to age 653. The premium of the increased sum insured is determined according to your age2 at the time of increase. This option is available for enhanced protection option only.
8 Optional coverage requires additional premiums and is not applicable to policy with single payment5 option.
The policyholder is subject to the credit risk of HSBC Life (International) Limited.
If the policyholder discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid.
Past, current, projected and / or potential benefits and / or returns (e.g. bonuses, dividends, interests) presented herein are not guaranteed and are for illustrative purposes only.
The actual future amounts of benefits and / or returns may be lower than or higher than the currently quoted benefits and / or returns.
WholeLife Protection Plan is underwritten by HSBC Life (International) Limited ("the Company") which is authorised and regulated by the Insurance Authority (IA). The Hongkong and Shanghai Banking Corporation Limited (referred to as "HSBC") is an insurance agent authorised by the Company. Your benefit is subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only. This product is a product of the Company but not HSBC and it is intended only for sale in the Hong Kong SAR.
Please refer to the respective product brochure for detailed features and the policy provisions for the detailed terms and conditions.
HSBC Life (International) Limited is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries.


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home › blog
Category : Procedures
Thursday, April 26. 2007
In my opinion attention to detail is what sets apart a great surgeon from an average one. One of the things I discuss with my patients before performing a facelift is the way their ears look. Ears, like many other parts of the body, succumb to the force of gravity and heavy ear rings. They strech, become saggy, and wrinkly. Here is how we improve the ears...
Category : Darker Skin, : Facelift / Tuliplift, : Fat Transfer, : Thermage / ThermaCool
Tuesday, April 24. 2007
My practice is in Southern California and a large percentage of my patients have a darker skin complexion. Asian and African American patients with a history of keloids or unsightly scars are often hesitant to have a facelift.
Often I'm asked--in regards to the sagging of the jowels and neck area--if there is a more conservative approach one can take: a solution not requiring "any cutting". Here is the answer...
Category : Facelift / Tuliplift, : For Men
Tuesday, April 17. 2007
YES! There is a facelift which is well suited for men. Men are generally more hesitant than women to have a facelift. They often worry about visible scarring extending into scalp or forehead, a pulled look, and a long recovery period. It does not have to be like that. My trademarked Tuliplift, which is performed under mild sedation, addresses all the above concerns. It doesn't give men a pulled or artificial look, recovery is usually 10-4 days, and scars are both limited in length and do not extend into hair bearing scalp.
Category : New Treatments
Saturday, April 14. 2007
As many of you know from my other blogs, I am not a great fan of permanent injectable fillers. The body and face will change over time; whereas a permanent filler cannot. This important difference can lead to serous problems, and as such I tend to discourage the use of permanent injectible fillers whenever possible.
Artecol is a filler of this type, which consists of little solid microsheres (PMMA) suspended in a solution containing bovine collagen. It is widely used in Europe and will eventually become available in the United States. Given its popularity, one might assume Artecol poses less risk than other permanent fillers, however that is not the case. Recently, I came across an article in the Archives of Dermatology which exposes some long-term risks associated with Artecol and I'd like to share its substance with you.
Category : Lipolysis / Liposuction, : New Treatments, : Procedures
Wednesday, April 11. 2007
Right across the street from my office on Wilshire Blvd. there is a large sign that reads: "Instant facelift. No downtime, no cutting, no surgery. Mesotherapy works."
Having practiced cosmetic surgery and dermatology for over 10 years, I have yet to see any significant or lasting improvement caused by the injection of Vitamins or herbal extract. A recent study by Dr. George J. Hruza published in the December issue of Dermatological Surgery (Dermatol Surg 2006 Dec;32:1467-72) shared this view. The study concludes that injections of Vitamins and herbal extracts do not result in any clinically relevant benefit. Aside from subcutaneous injections of Phosphatidyl choline and deoxycholate for lipolysis, mesotherapy continues to show a lack of clinical efficacy while still subjecting patients to potential risk.
Without a compelling study to the contrary, I am reluctant to endorse Mesotherapy as an effective and safe form of treatment. Perhaps more studies similar to Dr. Hruza's will be available in the future to shed more light on the efficacy of these and other commonly used rejuvenation techniques.


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