text:
Twin Electrics & Plumbing provides electrical Installation, plumbing services and emergency services to Melbourne customers for more than 30 years.
Below you will find a list of frequently asked questions and problems that we can assist with. If your question isn't on the list, don't hesitate to give us a call at (03) 9808 7555. We are available 24/7 for all your concerns.
Your Questions Answered by Twin Electrics & Plumbing
Established in 1978 as a family business, Twin Electrics & Plumbing has grown to become one of the most professional, reliable and cost-efficient service providers in the Melbourne metro region. We specialise in electrical installation, electrical maintenance, and plumbing service.
Yes - Twin electrics operates 24/7. If you need our emergency plumbers or our emergency electricians, please call (03) 9808 7555.
Yes, we do. We provide general maintenance for both domestic and commercial areas. Please call (03) 9808 7555 to make a booking today for all your maintenance needs.
We can be there within 2 HOURS! We have over 25 technicians on the road each day. Call us today for all your service needs on (03) 9808 7555.
No. We will issue an invoice which gives you 7 days to make payment. You can make payment via credit card or bank deposit. Please call the office on (03) 9808 7555 to make payment.
Yes! We are licensed and insured. Protecting our customers means having the proper insurance as well so don't worry: we've got you covered!
All equipment should be serviced at least once per year. In order to have your equipment run efficiently, the best scenario is to check them before the season.
The benefits of annual servicing include:
- Increased dependability
- Maximised efficiency
- Lower energy costs
- Increased life of the equipment
- Lower chance of a break-down.
That is one of the most usual calls that we are getting. Sadly, there is no universal answer to it. There are many reasons why this could happen, but the age of the heater is the most common factor. Whatever the reason is, don't wait and give us a call. We'll help you solve the problem as soon as possible.
There are many reasons why this could happen but it often it is a plumbing problem indeed. Another option is your outside hose bibs. Check it once more or give us a call now and we'll make it work together.
Electrical and Plumbing Service Melbourne
If you're looking for reliable services for your electrical and plumbing issues, you can count us. Twin Electrics & Plumbing are experts in these fields and we have a lot of satisfied customers across Melbourne.
To schedule service or to ask any question - give us a call or reach us through our contact form.


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You may have heard of a TAVI procedure. Perhaps you, or someone close to you, has even been recommended they have the procedure done. It can feel overwhelming to hear, and you've no doubt got a few questions.
Firstly, you may have wondered what a TAVI procedure is? TAVI stands for Transcatheter Aortic Valve Implantation, which won't mean much to those outside of the medical profession. But in short, it is a minimally invasive procedure to fix a damaged aortic valve. During a TAVI procedure, an artificial valve will be implanted into your heart.
It's a procedure that Dr Sonny Palmer from St Vincent's Private Hospital has been performing since 2014 and it has come a long way over the last 10 years.
Why would I need a TAVI?
There are four main valves in your heart – the aortic valve being one of them. As your heart beats, the aortic valve opens and closes, allowing blood to flow from your heart to the rest of your body in one direction.
As you age, calcium can build up on the valve, making it harder and thicker. As a result, your aortic valve becomes unable to open properly, forcing the heart to work harder to pump blood through the narrowed valve. It can also create high blood pressure inside the left ventricle. This is a condition called Aortic Stenosis.
As Dr. Palmer explains, "Aortic Stenosis is the most prevalent heart valve condition in the Developed World. It affects about 3% of people over the age of 75. Most of my patients are in their 80s and up until recently TAVI was only offered to those patients who were not fit enough or were deemed high risk for an open-heart operation (aortic valve replacement). The evidence is constantly evolving. What is exciting is that in the near future, we may be able to offer this procedure to younger and fitter people."
Are you at risk of Aortic Stenosis?
Aortic Stenosis is typically a condition of old age, and one that develops over many years. However, when asked of the factors that can lead to developing the condition and what we can do to avoid it, unfortunately the answers are not as easy to come by.
As Dr. Palmer replied, "That's a great question, I wish I knew the answers. What we know is that the condition causes the valve to become thickened and calcified. Over time this progresses and the valve becomes thicker and stiffer. Eventually normal motion of the valve leaflets becomes reduced. At some point blood is not able to get out of the heart as easy and people develop symptoms. People usually present with breathlessness, chest discomfort and/or dizziness or blackout."
What does 'minimally invasive' really mean?
It can be difficult to imagine any procedure involving the heart as being 'minimally invasive'. Yet, as Dr. Palmer pointed out, approximately 90% of TAVI procedures are performed using the femoral artery as the access point to deliver the new valve.
Minimally invasive surgery helps to give you a better chance of recovering quicker after your surgery.
What happens during a TAVI procedure?
This involves delivering the new valve through the leg artery. It requires an incision as small as 6mm, and involves passing a small wire through the main blood vessel of the body and into the heart. This wire then acts as a guide to put the new valve in position, in a procedure that Dr. Palmer describes as "pretty simple really!"
The procedure will take place in the cath lab which is like an operating theatre, and you are usually awake throughout your procedure – however the anaesthetist or cardiologist will give you medication to help you relax.
When should I see a doctor?
Of course, if you ever have any concerns, please see a doctor – particularly if you develop any symptoms that may suggest aortic valve stenosis.
Dr. Palmer explained what typically occurs when a patient is referred to him: "A special team of doctors and nurses review your history and investigations to date. There are usually a few investigations needed before we can advise about what to do next, such as an ultrasound of the heart (an echo), a coronary angiogram to look at the arteries of the heart and a CT scan to allow us to determine whether you are technically suitable for TAVI."
"Based on your medical history and these tests we provide an opinion on whether your valve needs fixing, whether your heart arteries need fixing and actually if an operation is the best thing for you. If we think you are suitable for an operation, we then talk about the preferred approach in your case".
Dr Sonny Palmer is a Clinical and Interventional Cardiologist at St Vincent's Hospital Melbourne and St Vincent's Private Hospital Melbourne. He also provides a Cardiology outreach service in the Gippsland region (Sale). Sonny's clinical interests include assessment and management of cardiovascular risk, coronary artery disease and valcular heart disease.
Mr Palmer's Melbourne consulting room is located at:
Suite 503
100 Victoria Parade
East Melbourne VIC 3002
Phone: (03) 5144 4555
Fax: (03) 5144 7564
Email: firstname.lastname@example.com

subset: commoncrawl


title: Robotic Localization using Shadow Information in Imagery

status: Completed

description: My overall research goal is to enable a new capability to rendezvous and dock autonomously with an aggressively tumbling target (e.g. disabled satellite or space debris) for which we have little or no a priori information. In particular, my aim is to enable this new capability for small satellite missions. While focusing on small satellite missions imposes restrictions on sensing and computational resources, it will drive my research toward developing robust and affordable solutions to enable this critical technology. Furthermore, I believe that the results of this work for small satellite missions will be extensible to larger missions, and will thus leverage the affordability of in situ testing on small missions before implementation of the technology on larger missions. My approach is to develop and demonstrate a framework for fusing feature-based (i.e. vision) and range-based (i.e. LIDAR) simultaneous localization and mapping (SLAM) techniques in a real-time framework that will enable estimating both the shape of a target (i.e. reconstruction) and its pose relative to the servicing satellite. Robustness will be achieved by exploiting the complementary strengths of each sensing approach. This approach significantly extends work in the Stanford Aerospace Robotics Laboratory (ARL) in feature-based and range-based target reconstruction and relative pose estimation for autonomous rendezvous. The ARL has a rich history in controls and estimation research applied to robotic systems, with recent successes that lay a solid foundation for my proposed work. Further, my approach will involve experimental demonstrations on existing ARL hardware platforms, with no additional (major) equipment required. This proposed research addresses several of the Robotics, Tele-Robotics and Autonomous Systems (Technology Area 04) Technical Areas as outlined in "TABS_NSTRF_FY11.pdf". These areas include: Autonomous Rendezvous and Capture (4.6.1), Simultaneous Localization and Mapping (4.2.1), Stereo Vision (4.1.1), LIDAR (4.1.2), and Proximity Sensing (4.1.3). Furthermore, this new capability will be critical to the development of an effective, affordable, and robust solution to the NASA Grand Challenge of Space Debris Hazard Mitigation, especially for safe mitigation of man-made orbital debris.

benefits: This new capability will be critical to the development of an effective, affordable, and robust solution to the NASA Grand Challenge of Space Debris Hazard Mitigation, especially for safe mitigation of man-made orbital debris.

responsibleProgram: Space Technology Research Grants

responsibleMissionDirectorateOrOffice: Space Technology Mission Directorate

title: 4722-1363264100012.jpg

type: Image

description: Project Image Robust Sensing for Rendezvous and Docking: Fusion of Vision and LIDAR in a SLAM Framework

title: Robotics and Autonomous Systems

title: Autonomous Rendezvous and Docking

title: GN&C Algorithms


text:
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text:
Please fill out this form or email me directly at and I will get back to you within 24 hours.
Contact Us!
Based in
Arlington, Virginia
Telephone: 607-221-2367
Blue Sapphire Events is a full service wedding planning company based in Arlington, VA. We specialize in flawless event execution and creating unique events that are custom designed to each couples distinct vision.


text:
Website Pros, Inc. (WWWW) Chairman and President to Ring the NASDAQ Stock Market Closing BellJune 6, 2008
ADVISORY, Jun 6, 2008 (PrimeNewswire via COMTEX News Network) --
David Brown, Chairman and Chief Executive Officer of Website Pros, Inc., and Jeff Stibel, President, will preside over the Closing Bell in celebration of the company's successful merger with Web.com, new stock symbol (WWWW) and new Web.com brand name.
Beginning June 9, 2008, Website Pros, Inc. (Nasdaq:WSPI), a leading provider of online marketing for small businesses, will begin trading on the NASDAQ market under the stock symbol "WWWW."
"We're excited about adopting the Web.com name and believe that it will resonate well with our customers, partners, investors and employees," stated David Brown, Chairman and CEO, Website Pros. "The name is simple, memorable, and more clearly representative of the breadth of our company's online marketing and Internet solutions for small businesses. When businesses think of what it takes to be successful on the Web, we want them to think of Web.com."
NASDAQ MarketSite - 4 Times Square - 43rd & Broadway - Broadcast Studio
Monday, June 9 at 4:00 p.m. EDT
Pete Delgrosso
(404)664-1868 cell
NASDAQ MarketSite:
Robert Madden
(646) 441-5045
Feed Information:
The Closing Bell is available from 3:50 p.m. to 4:05 p.m. on uplink IA-6 C-band/transponder 17. The downlink frequency is 4040 Vertical; Audio 6.2-6.8. The feed can also be found on Waterfront fiber 1623. If you have any questions, please contact Robert Madden at (646) 441-5045.
Radio Feed:
An audio transmission of the Closing Bell is also available from 3:50 p.m. to 4:05 p.m. on uplink IA6 C band / transponder 24, downlink frequency 4180 horizontal. The feed can be found on Waterfront fiber 1623 as well.
A live Webcast of the NASDAQ Closing Bell will be available at: http://www.nasdaq.com/about/marketsitetowervideo.asx
To obtain a hi-resolution photograph of the Market Close, please go to http://www.nasdaq.com/reference/marketsite_events.stm and click on the market close of your choice.
Website Pros, Inc. (WWWW):
This news release was distributed by PrimeNewswire, www.primenewswire.com
SOURCE: The NASDAQ OMX Group, Inc.
Website Pros, Inc. (WWWW) is a leading provider of online marketing for small businesses with over 270,000 SMB customers, 800 employees and offices throughout the U.S. and Canada.
© Copyright 2008 PrimeNewswire, Inc. All rights reserved.
News Provided by COMTEX


text:
- Price$599,900
- Beds3
- Baths2.1
- Sq. Ft.2,900
- Acres2.50
- Built2019
2618 Sashabaw Rd, Brandon Twp
New Construction Custom Ranch in the process of building, built like a million dollar home on a beautiful piece of land with a pond. More information and pictures to follow. All sizes are approximate
Essential Information
- Price$599,900
- Bedrooms3
- Bathrooms2.10
- Full Baths2
- Half Baths1
- Total Sq. Ft2,900
- Acres2.50
- Year Built2019
- TypeResidential
- Sub-TypeRanch
- Architechture Level1 Story
- StatusActive
- # of Garages2
- GaragesAttached, Electricity, Side Entrance
- WaterfrontPond
- ExteriorBrick, Stone, Other
- ConstructionNew Construction
- FoundationBasement
Listing Details
- Listing OfficeSerra & Associates Real Estate Inc
Community Information
- Address2618 Sashabaw Rd
- Area02031-Brandon Twp
- CityBrandon Twp
- CountyOakland
- StateMI
- Zip Code48462
- Interior FeaturesHigh Spd Internet Avail
- HeatingForced Air
- CoolingCeiling Fan, Central Air
School Information
- DistrictBrandon
Looking for New Construction?
Have you Seen the Latest, Most Innovative New Floor Plans Available?
IDX provided courtesy of Realcomp II Ltd., via eXp Realty and REALCOMP, ©2020 Realcomp II Ltd. Shareholders. IDX information is provided exclusively for consumers' personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified.


text:
home automation and security systems market is expected to grow dramatically in the coming years – reaching
$3.2 billion worldwide by 2026, up from $618 million in 2017.
This is good news for providers of smart home and security systems.
However, the market is ripe for disruption, especially from cellular connected security systems, able to offer reliable 24/7 connectivity and remote predictive maintenance.
Significant new players are entering the home automation and security industry, including Apple, Amazon, and Google – all of whom have the power to attract vast swathes of the market.
At the same time, technology is getting more affordable, and many start-up companies are entering an already crowded marketplace with cellular home security offerings.
There's more.
Traditional security panel systems are evolving, and vendors are introducing new services – everything from door lock monitoring to temperature control and fire prevention systems.
The year that connected home alarm systems will overtake traditional alarm services
Number of US household with a home security system by 2024
56% of consumers say they would switch home security provider if it meant they could monitor their home from a smartphone
So how can security and home automation system providers differentiate themselves and add value for their customers?
Consumers have come to expect increasingly high standards and sophistication from home security systems.
To retain customers in a crowded and competitive market, and to reduce the cost of operations, security alarm panel and home automation providers need to differentiate themselves with unique offerings such as:
Thales' 24/7 cellular connectivity modules, advanced security expertise, and device lifecycle management platform offer a comprehensive solution that lets you meet the needs of your customers.
Learn how Thales helps differentiate your connected security system:
Contact us today to learn how home security device manufacturers are using our cellular modules for:
Home security systems collect highly sensitive information – about when your customers are at home and can even film them about their daily activities. The data they collect and transmit must, therefore, be iron-clad. Thales provides the security they expect:
Learn more on Thales cybersecurity solutions
Consumers increasingly expect home security brands to provide always-on streaming and data transmission. We strongly advocate for cellular-based systems over traditional WiFi connections because they are easy to install, secure, and highly reliable.
Learn more on Thales IoT connected security modules
Your customers want to set up and install their devices once, then never need to think about them again. However, many alarm systems require multiple visits and inspections by engineers or manual updates by DIY users. Thales lets you:
Learn more on Thales device lifecycle management solutions
Our state-of-the-art data analytics are powered by AI and machine learning and present data in easy to use dashboards which enables you to make informed decisions and act fast. For example, it could detect if a fleet of devices is behaving in an usual way, which could be the sign of an upcoming global cyber threat.
Learn more on Thales AI-based Analytics solutions
Your products are deployed in customers' homes – the most private of places. Use Thales' modules to ensure always-on connectivity and build-in security to give your customers peace of mind
The cellular approach to home security systems means updates and patches can be deployed centrally without intrusive manual changes
Investing in reliable, tried and tested solutions like Thales means you avoid the risk of failures – which could cost your customers and your brand reputation


text:
Welcome to some of the best Bellevere genealogy resources found on the web. We hope you will participate on the Bellevere forums, it is a great place to find or post information on Bellevere genealogy and is completely free to participate. We have collected some of the best resources from across the web to do research on Bellevere history, Bellevere ancestory, and Bellevere family connections.
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text: Cerebral Cortex. 16(11):1645-1652, NOVEMBER 2006 PMID: 16400158 Issn Print: 1047-3211 Publication Date: November 2006 Print Not All False Memories Are Created Equal: The Neural Basis of False Recognition Rachel Garoff-Eaton;Scott Slotnick;Daniel Schacter; + Author Information 1Department of Psychology, Harvard University, 33 Kirkland Street, Cambridge, MA 02138, USA2Department of Psychology, Boston College, McGuinn Hall, Chestnut Hill, MA 02467, USA Checking for direct PDF access through Ovid Abstract False recognition, a type of memory distortion where one claims to remember something that never happened, can occur in response to items that are similar but not identical to previously seen items (i.e., related false recognition) or in response to novel items (i.e., unrelated false recognition). It is unknown whether these 2 types of memory errors arise from the same or distinct neural substrates. Using functional magnetic resonance imaging, we compared the neural activity associated with true recognition, related false recognition, and unrelated false recognition for abstract shapes. True recognition and related false recognition were associated with similar patterns of neural activity, including activity in the prefrontal cortex, the parietal cortex, and the medial temporal lobe. By contrast, unrelated false recognition was associated with activity in language-processing regions. These results indicate that false recognition is not a unitary phenomenon, but rather can reflect the operation of 2 distinct cognitive and neural processes.


text:
It was real surprise this past Sunday when Gus Edwards looked like he took over the Baltimore Ravens' backfield with Lamar Jackson starting at quarterback. This makes sense since Jackson and Edwards have probably been paired up with in practice a good amount, but I think this may be very good for the Ravens going forward.
Edwards had not gotten a ton of work this year due to being behind Alex Collins and Javarious "Buck" Allen in the backfield, but he shined when his number was called on Sunday. He finished the day with 17 carries for 117 yards, a touchdown, and a two-point conversion while averaging 6.8 YPC.
Out of all the running backs currently on the team, including Ty Montgomery, I think this kid is the most talented back and as long as Lamar Jackson is the quarterback, we should continue to see a heavy amount of Edwards.
It has yet to be said who the starting back is, but John Harbaugh would be stupid not to use him as the feature back with Jackson running the show, especially when you consider the lack of production you have been getting from the other backs. I like Alex Collins and Buck Allen, but they just aren't cut out to be workhorse backs.
If you ask me, Edwards and Jackson should both be starters going forward, with Edwards getting around 25 carries a game. Plus, with Jackson running the ball a total of 27 times against the Bengals, this next game might set up Edwards for a pretty similar performance.
Look at it this way, Jackson is going to be the main focus of the defense and if they believe he's going to run that much again, then he'll start handing the ball off on some of the read options to fool the defense. As long as Edwards keeps a steady volume, it should put him in a very good position to make things happen for a run game that hasn't gotten going this year.
Photo: AP Photo/Nick Wass


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13/261 Golden Four Drive
Bilinga, QLD, 4225
- 3bed
- 2bath
- 1car
- 1pool
Stunning Spacious Beachside Apartment!!This fantastic top floor, 3 Bedroom apartment is situated in 'Golden Sea Apartments' offering fantastic facilities and direct beach access. With summer upon us and no roads to cross to get to the beach, makes this property a must to inspect. Very spacious air-conditioned living area, multiple balconies with both beach and pool views, 2 bathrooms, secure basement parking and all of this surrounded by tropical landscaped gardens and resort style pool. Please email the agent now to register for a time to inspect.
* 3 Bedrooms, top floor, unfurnished Apartment
* Ceiling fans to the living space and all bedrooms (5 fans in total)
* New Carpet to be installed before commencement of the new tenancy
* Spacious Air-conditioned tiled lounge area opening to balcony with pool views and ceiling fans.
* Separate dining area opening to balcony with Ocean views
* Kitchen with new dishwasher, pantry and electric cooking
* Master bedroom with built-in cupboards, ceiling fan, ensuite and balcony with ocean views
* 2 more good sized bedrooms and with built-in cupboards and ceiling fans
* Main bathroom shower/bath toilet and laundry
* Secure basement carpark
* Direct beach access and views all the way to Coolangatta
* Immediately adjacent to Bilinga Surf Life Saving Club with patrolled lifeguard tower
* No pets sorry


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Midwest Academy and Research Institute, College of Life Science, Tulsipur, Dang, Nepal was established in 2070 B.S. as a wing of Mid-west Academy and Research Institute (MARI), Phulbari, Dang, affiliated to Tribhuvan University, Institute of Agriculture and Animal Sciences (IAAS).
It is offering Bachelor of Science in Agriculture (B.Sc Ag) program.
The Campus of live Sciences is situated in the heart of Dang District, Tulsipur, the headquarter of Rapti zone. Tulsipur is in the distance of 25 Km. west from Ghorahi (district headquarter of Dang), 50 Km. North-West from Lamahi and 30 Km. in North from Amiliya on the East-West Highway. Luxury buses are connecting to various cities like Kathamandu, Narayanghat, Birgunj, Biratnagar in eastern region and Bhairahawa, Butwal, Nepalgunj & Mahendranagar in western region. Weather of this place is very pleasant all the year round. Neither it has excess heat nor excess cold. It is situated very near to Tulsipur, headquarter of Rapti zone.


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The aircraft model pilota_ferrari (38)
Sunset at Prom Thep Capevincz
Cape Promteppack
Setting the SunDanyael (83)
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Police have charged four people over a kidnap and assault in Werrington last month.
Police said it will be alleged that on Saturday,August 30, a 16-year-old was assaulted at an address on Albert Street in Werrington. He was allegedly struck with a nun-chuck and burnt on the arm with a lit cigarette.
The teenager was then forced to go to an address on Putland Street in St Marys, where he was threatened. He was eventually let go after the incident, which lasted around five hours.
Officers from St Marys Local Area Command have been investigating the incident and have made four arrests.
A 15-year-old male was arrested about 3.20pm on Monday,September 1at an address on Albert Street in Werrington.
A 47-year-old man was arrested at an address on Putland Street in St Marys.
A 20-year-old man was arrested in Penrith and a 17-year-old was arrested on September 2 inAndrews Road in Penrith.
The males aged 15, 17 and 20, have been charged with take/detain in company with intent to get advantage; assault occasioning actual bodily harm in company; and threaten person with intent to influence witness.
The three have been refused bail, with the two juveniles set to appear at a children's court today, with the other due to appear at Penrith Local Court today.
The 47-year-old man was charged with threaten injury to person with intent to commit an indictable offence. He was granted conditional and will appear at Penrith Local Court on September 22 this year.
This story Administrator ready to work first appeared on 苏州美甲美睫培训学校.


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Bradley Cooper, Jennifer Garner, Hannah Hart
We sit down with special guest Kalen Allen, Bradley Cooper answers some Burning Questions, We reveal Jennifer Garner as People's Most Beautiful Person, Rapping Dad Jacob Mitchell performs an amazing version of Green Eggs and Ham, Hannah Hart thanks Ellen for being an inspiration and Ellen gets seriously funny about if funny women can be taken seriously.Support us by supporting our sponsors! Gobble - Get 6 meals for just $36 and free shipping - by visiting gobble.com/EllenAudible - Visit Audible.com/ellen or text ELLEN to 500-500 to get your first audiobook for free.


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I completed my studies of Touch for Health in 1992. Over the following years much research has gone into Kinetics, (energy work), and I continue to study this dynamic healing modality.
Touch for Health is a self-responsibility modality and is the most widely used system of kinesiology in the world. It is recognised and respected as a fundamental training for other kinesiology systems as well as a healing modality in its own right, and has been safely used since 1973 in over 100 countries.
Kinesiology is the study of the body's energy system using the muscles as diagnostic tools. It is used to access the most appropriate treatment for the body. The muscles respond to blocks and imbalances on physical, chemical and emotional levels. Reflexes and acupressure points are used to enhance healing and the muscles respond to a problem in the system by showing a weakness.
Practitioners are instructed to use muscle monitoring as a bio feedback system for the client to understand what contributes and causes stress and imbalance in the body so that the client can take responsibility for their life changes.
Muscle testing is not only a diagnostic tool but it can also be utilized for therapeutic benefits. Using muscle testing to assess how the nervous system could control the muscle. Observe that a muscle's strength could change immediately when certain neurological reflexes and other factors connected to the muscle were stimulated, thus affecting the nerve energy flowing to the muscle.
Various forms of stress – physical, biochemical, mental, emotional, environmental, and electrical can inhibit a muscle and that muscle can become tight because of opposing muscle weakness.
Develop personal awareness and clarify your personal goals & motivation.
You will be looking at between 3-5 sessions of approx 90 mins ea
Transforming DNA Memories
Transforming DNA Memories has been developed to provide a protocol for practitioners to combine their Kinesiology skills and techniques that tap into the greater depths of the brain through accessing the Theta/Delta brainwave frequencies
One of the parts of Kinesiology which is respected, is the client actively participates in, and takes responsibility for, their healing. As it is recognized that the Theta brainwave is our sleep, which is the brain pattern vibration that people can learn to consciously disconnect from the stress of the lives.
Fears, Doubts, Anxiety, Depression
If you notice a pattern emerging as a result of your fears, doubts, anxieties, depression, but cannot seem to find an origin in your own personal history, Transforming DNA Memories work on removing the epi-genetic imprints that your DNA may still be carrying.
Transforming DNA Memories is the nexus point between your memories and misunderstandings of the past and your intelligent healing processes of the future.
You will be able to stop repeating patterns that bring frustration and anger, and feelings of inadequacy and disappointment.
Depression happens when all the negative thoughts keep going around and around in your mind. Do you try to please everyone all the time.
Clear generations of negative memory, access your ancestral memory, intellect & knowledge and stop bad habits
Do you have that feeling of knowing there is more purpose in this life for you – discover and connect to your purpose.
In my experience, most people want to have choice toward their own healing – and unless you are working specifically with a human behaviour geneticist, your medical team does not fully address the emotional depths, the ancestral trauma memory controlling your behaviour and influential to your improvement. When you understand the why of certain behaviour and recurring illness, miraculous change happens.
Stop the cycle of habit, anger, judgement, self-dislike…….
Transforming DNA Memories can trace the foundation of frustrations and change your life. I'm here to help you understand your emotions that activate illness, and play a role in crippling, destroying or hindering the joy of your relationships.
You will be looking at between 3-5 sessions of approx 90 mins ea
SKART – Structural Kinesiology Acupressure Release Technique
SKART uses the body's energy system, using the muscles as diagnostic tools, to access the most appropriate treatment for the body. The muscles respond to blocks and imbalances on the physical, chemical and emotional levels. Reflexes and acupuncture points are used to enhance healing and the muscles respond to a problem in the system by showing a weakness. Once this weakness is found the body is tested to see what will strengthen it, be it, structural nutritional, allergy / environmental change or emotional need.
Back, Leg, Neck Pain
Back Pain – Linked to Spine and leg weakness
Neck Pain – Linked to Migraines, Headaches, Dizziness.
Hip Pain – Linked to Pubis, Psoas
Symphysis Pubis Problems – linked to groin pain, hip pain and leg length imbalance. It can also link to bladder urgency.
Hiatus Hernia, Indigestion, Nausea, Belching
Ileo-cecal Valve problems – links to pains in lower right abdominal area and gut spasms.
Diaphram problems – linked to pain and discomfort under the ribs on the left side and Hiatus Hernia, Indigestion, Nausea and Belching.
What I can Do for You
Being healthy depends on the interaction between your genes, your lifestyle, and your emotional care. By supporting you at every level of wellness I can tailor a truly individualised plan to:
- Relieve pain – emotional and physical
- Lose weight
- Find relief from chronic conditions
- Balance digestive function
- Improve learning and brain function
- Relieve stress
- Bring clarity and resolution to emotional issues
- Support you to reach your life purpose with energy and enthusiasm
You will be looking at between 3-5 sessions of approx 90 mins ea


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Fifth Annual Waypoint Aviation Connections Event a Success!
(By: David Cojocar, BCAC Youth Engagement Committee) On January 23rd, 2020, the British Columbia Aviation Council (BCAC) hosted the fifth...Read more
Welcome to the BCAC's Youth Engagement Committee Blog!
This is a place where we will share information about aviation with particular interest to youth. Posts will include career interviews, aviation stories, industry expert advice and more. If you would like to share something you have written on the BCAC blog as a guest post please contact us today.
(By: David Cojocar, BCAC Youth Engagement Committee) On January 23rd, 2020, the British Columbia Aviation Council (BCAC) hosted the fifth...Read more
(Sept 12, 2019.) This years annual AME Conference and Skills Challenge was held in Toronto last month. Myself and two...Read more
In the aviation industry, it's often said that everyone is like family. In the case of Stephen and Roger Van...Read more
Ever wonder what it would be like working for the BC Aviation Council and/or The Vancouver Airport Authority in Operations?...Read more
Written by, Nadine Wolitski It was Lynne's father, John, who inspired her to start a career in aviation. John Denison...Read more
Ever wonder what the world of aviation consulting would be like? This month we have sat down with Ian Winton...Read more
Victoria Flying Club Celebrates 70 Years! Alumni Profile: Lieutenant-Colonel Shawn Williamson Contributed by Ramona Reynolds Lieutenant-Colonel Shawn Williamson of 443...Read more
Meet Lauren, winner of the "BCAC Airport Committee Airport Ops/Mgt Training Scholarship" - 2014 At a young age Lauren was...Read more
Meet Rachel, winner of the "BC Airports Committee Airport Ops/Management Training Scholarship" - 2012 Rachel's inspiration for a career...Read more
Meet Rex, winner of the "BC Airport Managers Assn Airport Ops/Management Training" - 2011 Rex fell in love with airplanes...Read more


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Atlantic Metalworks BAR-3CS-101410-2 - 10x14x10 3 Comp. 2 DB Economy Bar Sink
Your establishment in a cozy one (perhaps even a food truck), but your still want some extra space to stack your beer or wine glasses while they're waiting to be washed. Or perhaps you want some space to hold oranges waiting to be washed and later used in craft cocktails. Atlantic MetalWorks BAR-3CS-101410-2 stainless steel, three (3) compartment bar sink with its double (2) drainboards sounds like it might work perfectly for you. Better for compact commercial kitchens and bars, it will scoot right into those tight spaces. Also, it's made from 18-gauge, 304 type stainless steel, meaning it can take the hard knocks that bartending hands out.
For more information, be sure to check out the Features tab above.
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Atlantic Metalworks 10x14x10 3 Comp. Economy Bar Sink
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The Unspoken Rules Of Catching The Sydney Light Rail
Can we all silently agree on these, please?
Yesterday I wrote a thing on the internet about the Sydney Light Rail.
In short, it was about the light rail service that runs from Central to Dulwich Hill and what a nightmare it is to catch during peak hour.
I suggested the government might like to fix the overcrowding of this service before pouring any more taxpayer money into the new light rail system servicing the city to Randwick, due to open at the end of this year.
What I learned from whinging about the light rail during peak hour is that people are very passionate about light rail. Who knew something as mundane as my morning commute would be so personally offensive to some?
The crux of the response was, trams don't hurt people. People hurt people.
We could sit here all afternoon and argue (constructively, of course) about what came first: the mess of a light rail system that doesn't allow enough services during peak hour to deal with the demand or the commuters who don't know how to, well, commute.
Or we could do our bit to make the light rail a better experience for all.
Let's face it, the existing light rail isn't going to get any better any time soon unless we make it better.
So can I suggest to those who are brave enough to squeeze onto it during peak hour, that we start to live by the following unspoken rules?
1. Don't try to jump the queue when you were the last to line up
Yes, I know there is no clear queuing system, especially at its first stop at Central. But be a decent human being and if you just rocked up and hundreds of other people have been waiting, don't try to sneak in on the side of the line. We see you.
2. Don't crowd at the back of the queue so no one can get through
Now, these people don't upset me as much as the people that don't queue. I know you're trying to do the right thing but you have nowhere to go and that is not your fault.
But maybe suggest to those in front of you to move forward or start a new line?
3. Don't say 'I can fit if all of you move down'
Leave this to the light rail staff to dictate if more people can fit on the service or not. Otherwise, you'll likely be getting death stares until it's your turn to get off.
4. Don't get on and stand in the doorway
On the flip side of the above and in the words of every disgruntled light rail driver 'move down all the way into the carriage'. Don't crowd the doors. This is common sense. No one can get through if there is a human wall in the form of you in front of them.
5. Don't try to squeeze onto the service and get your back, or self, stuck in the door
When you can see that the service is full, please do not be that person. Do not be the person who holds up an entire service full of people because you think you are so important that you need to get on.
Do not inconvenience that number of people. Wait for the next service and be a better human.
6. Don't sit in the priority seating if you're not elderly, disabled, pregnant or injured
I know standing generally sucks, especially when the light rail has to come to an unexpected grinding halt when a pedestrian doesn't see the giant red entity coming towards them that has the potential to run them over. I know.
But don't sit in the red priority seating unless you need to. Give the people who actually need it a chance to sit and earn some karma points.
7. Don't yell at people for getting in your personal space
Honestly, it is just a fact of life that you are not entitled to any personal space on the light rail. Nobody wants people they don't know invading their bubble. Don't yell at people to move if you know full well they have nowhere to go.
If I had a dollar for every time a stranger got into my personal space I ... wouldn't need to catch the light rail.
8. Don't yell at the driver or light rail staff
This is a generally sh*tty thing to do. The driver and staff are just there to do their job -- make the light rail run on time and get people to their stop safely. I find catching the light rail to and from work irritating enough. These people live it all day, their life is already hard enough.
Featured image: AAP One


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13 Feb 2019 04:11
You can file for divorce with out alerting your partner by heading to the courthouse and filling out the right paperwork. If you want to be certain that you do every thing properly, the very best factor to do is to employ a lawyer to file the papers for you.Yes. [Hey, how's that for any person pithy?] Wow, there are so numerous elements that element into that! 1st: the calibre of the attorney, a greater a single will be extra expensive. Second: if the Easy Divorce Cheap is individual contested or not, and how a lot of products.The initial type of divorce is an uncontested divorce. This type of divorce is exactly where each parties are in full arrangement of all of the details of the divorce and they both concur to signal all of the paperwork. One benefit of getting an uncontested divorce is that it will be over fast and painlessly. The lawyers will draw up the paperwork, make certain that both of you agree with the phrases, and you will each spend a little fee to each of your attorneys and it will be completed. When you and your spouse are looking for a tranquil inexpensive divorce this would be the route to consider. If you have children, it would also place a great deal much less tension on the children which would reduce your overall tension level.But if you have established that divorce is indeed in your best curiosity, then the first stage is to decide if you will employ a attorney or go the do-it-your self route. The ideal path is an uncontested divorce, as contested types can be extremely trying for parties and any kids that are involved.Is it getting that way for extramarital affairs? Not quite even though much more than a few have gotten extremely brazen in their mindset and openness. Nonetheless for the overpowering majority it carries on to be a sport of hide and seek. They normally worry the implications. These can variety anyplace from a violent reaction from their significant other to evidence which can be utilized towards them in court if the spouse decides to file for divorce.You have to ensure that you and your mate agree to get divorced. To do an online divorce it has to be and "Uncontested Divorce." So as lengthy as the two of you agree to the terms of the divorce an Easy Divorce Cheap is for you. In the event where you don't know exactly where your partner is, you can nonetheless do an Online Divorce. Verify with your online divorce supplier for much more info on this procedure.Just because you have cash doesn't imply you know how to shield the people you love. It doesn't imply you'll be reliable. Your companion may even not find you attractive at all, get expecting from an affair, then anticipate you to take treatment of the infant. Your companion get married to you, entertain you for a couple of months, then file for divorce to consider half of your prosperity. Harsh reality, but it happens.We can't deny that issues alter all the time - we evolve and even human nature and our organic make-up is altering each solitary generation. She become much better (sometimes we become even worse) but the key thing to remember is that not all change is bad. And even if the change is poor, you'll need to consider it in your stride and make a go for it. Roll alongside with the punches and don't allow the change get you down.Marriage is something that everyone should appreciate even following the honey moon phase has worn off and the kids begin popping out like popcorn. Marital bliss is a produced up phrase for when marriages are at its wits finish and no one knows what to do about it. I like the phrase marital bliss since it kind of goes together but so does happily married and fortunately married is what we all strategy to be when we grow old with our substantial other.The process of filing for divorce will be at least a little various for every case. At the exact same time, there are some divorce laws that are relevant regardless of the region you are submitting in. For instance, the condition and probably the county is who lawfully finalizes a divorce with a decree. This doc that contains all the terms and conditions, such as child custody, property division, support, alimony, and so on.You need to be in a position to discover how to consider treatment of your self after a divorce situation. You are not completely lonely following a divorce case. You still have the most important person in your lifestyle. And that person is YOU. Also, discover to attain out and ask for divorce advice and assist after a divorce particularly when you need it. Some people lose feeling of their morals and perform dirty during a divorce. Don't stoop reduced to get what you want throughout a divorce. Try to win your divorce case as truthfully as feasible in order to stroll absent with your dignity. This is good divorce advice that you ought to adhere to.Mainly because I am considering she really ought to. - Y desired to set this in Well being and Dental. And on tempo dial as well!! I imagine so. She just lately file for divorce from her spouse of 3months.but then turned about and modified her head. Individuals today get married for the mistaken reason now times.and it really is a.


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To find out more about the 60 Postcards journey so far, you can read a summary here. Sunday 15th March is almost here and Mother's Day marketing fills the shop windows, dominates articles online and generally smacks the motherless amongst us in the face with every single mention. It is a day that is tainted for me since … Continue reading Mother's Day: With or Without Her
A Little Look into the Book
60 Postcards: Create. Share. Inspire. Bringing you news every Tuesday on the ongoing 60 Postcards journey (you can read a summary of the story here), and on Friday I share a story of an inspirational person, project or cause. Hi guys, Hope you are good. My sleep pattern has taken a strange turn, leaving me with too … Continue reading A Little Look into the Book


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- 4 beds
- 3.5 baths
- $399,900 price
- 21686565 mls id
- Half Baths: 1
- Square Feet: 3,466 sqft
- Year Built: 1910
- Lot Size: 0.15 acres
- Neighborhood: Marion - Center Ne
- Status: Active
Beautiful redeveloped home in the Meridian Park Historic District on prestigious Washington Blvd. Down to the studs renovation. 10 foot ceilings. New electrical, plumbing, roof, windows, dual HVAC systems, beautiful hardwood floors and much much more. 3 full baths, 1 half bath and 4 bedrooms plus an office. Large kitchen with granite counter tops, walk-in pantry and stainless steel appliances. Main floor laundry room and half bath. Lots of storage in the unfinished basement. Large deck with fenced in backyard for privacy. Alley access to garage.
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For a lot of us living in Metro Manila, Tagaytay/ Batangas was the perfect escape from all the toxicity of the urban jungle.
The temperature was definitely colder, the air a lot fresher and of course the view was spectacular—and the star of it all was the Taal Volcano.
That was until January 12, when Taal once again showed signs of activity.
It wasn't surprising at first since Taal Volcano is the second most active volcano in the Philippines. There were several incidents of volcanic unrest in the recent years–2011, 2012 and 2014. But the last time it erupted was 42 years ago, in October 1977.
The January 2020 eruption has affected thousands of families and caused millions of pesos worth of damage just days after the initial eruption. Now the province of Batangas is devastated and residents are in need of aid to help them cope with the calamity.
If there's one thing good to come out from all of this is that it once again showcased our resilience and Bayanihan spirit to help those in need.
From individuals to the top local companies, each one is trying to do their part. BDO Unibank, Inc. for example is making it easier for overseas Filipinos to provide financial assistance to thousands of victims of the Mt. Taal eruption by waiving its remittance fees on cash donations that will be sent through the different BDO Remit offices abroad.
The remittance free campaign on cash donations to Taal victims runs from January 14 to March 31, 2020.
"We know overseas Filipinos, by the very nature of every Filipino, would love to help their kababayans in the Philippines who were most affected by the Mt. Taal eruption through cash donations. BDO is serving as bridge to this by waiving regular remittance fees on donations sent through BDO remit offices. It's the Bank's way of making sure all donations, every centavo, are spent to buy relief goods. In times like this, you just want to help any which way you can," said Genie Gloria, senior vice president and head of remittance of BDO.
BDO has extensive remittance coverage across the globe, with overseas remittance offices and partners across Asia, Europe, North America, and the Middle East. Cash donations sent through BDO Remit offices will then be coursed through different foundations namely BDO Foundation, ABS-CBN Lingkod Kapamilya Foundation, Inc., GMA Kapuso Foundation, Inc., and Philippine Red Cross. In turn, these foundations will facilitate the purchase and distribution of relief goods in evacuation centers that temporarily house the Taal victims.
Aside from the different BDO Remit offices, the Bank's global remit partners are also receiving cash donations for the benefit of the Taal eruption victims, including Remitly, Small World, WorldRemit, Azimo, UAE Exchange Centre, and Xpress Money. Regular remittance charges apply.
Meanwhile, for the complete list of BDO Remit offices, interested parties can visit the BDO link at https://www.bdo.com.ph/personal/remittance-services/bdo-remit-international-network/international-offices. Overseas Filipinos can also visit BDO Kabayan's Facebook page to know more about this campaign.


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TIAA Life Insurance Company Review
B.A. Risk Management
Life Insurance Agent
AM Best Rating
Our Rating
Prouducts sold
Term, Permanent
Teachers Insurance and Annuity Association of America, more commonly known as TIAA, is an insurance provider based in Manhattan, New York.
The company has been around for more than 100 years and is one of the most recognizable and reliable names in the insurance industry today.
What are the policies offered by TIAA and how good are they? Let us find out!
Our Take
TIAA has the highest A.M. Best (A++) financial currently offered to any life insurance company. If you are in the market considering TIAA as your life insurance provider, now is the time to buy. TIAA is ceasing all life insurance sales effective December 2019.
If you are reading this after December 2019, consider the following companies as alternatives to TIAA for life insurance
Northwestern Mutual in one of the few life insurance companies that shares the financial rating of A++. Unfortunately, their product portfolio is more competitive on permanent than term life insurance policies.
If you are looking for term life insurance USAA is very similar to TIAA. While TIAA has focused on serving teachers throughout America, USAA does the same for military families with a similar product lineup. They also have a AA+ financial rating from A.M. Best.
Company History and Background
TIAA was established in 1918 by noted business magnate and philanthropist Andrew Carnegie (lots of wealthy Americans have helped make America much better and stronger). The company was founded for the specific purpose of providing educators with life insurance as well as a guaranteed retirement income.
In 1929, despite being a new entrant to the industry, TIAA managed to survive the Wall Street Crash and the Great Depression which followed it, thanks to its conservative approach to investing.
In 1952, TIAA set up the College Retirement Equities Fund (CREF) and became the first insurance company in the country to offer variable annuity products. Industry observers called it the most notable development in the insurance business since the introduction of the Social Security Act in 1935.
In 1967, TIAA was named the fastest growing life insurance company in the country by Fortune magazine. In 1974, the company was hailed as the epitome of fiduciary responsibility by the congressional committee during the passage of the Employee Retirement Income Security Act (ERISA).
In 1979, TIAA started investing in stocks that were traded on foreign exchanges. In 1992, the company added Rollover IRAs to its product range. By 1995, it had become the largest pension organization in the entire country.
In 2018, TIAA completed its 100th year in the insurance business, making it one of the longest serving insurance providers in the country today.
On June 28 2019 Investment News announced TIAA is departing the life insurance market and will no longer be providing coverage by the end of 2019.
"TIAA, one of the largest U.S. life insurers, is exiting the life insurance business, ceasing the manufacture and distribution of its products by the end of the year." - Source
TIAA Financial Ratings
TIAA is among the highest rated insurance providers in the country today. Given below is a list of its current financial ratings.
- A.M. Best: A++ (Superior)
- Moody's: Aa1 (Very Strong)
- Standard & Poor's: AA+ (Very Strong)
- Fitch: AAA (Exceptionally Strong)
TIAA has over $320 billion in total assets and $38.8 billion in capital and surplus, which solidifies its position as a financially stable insurance company.
Moreover, as mentioned above, TIAA not only survived the Wall Street Crash as well as the Great Depression, but it actually managed to emerge stronger in the aftermath.
It shows that the company has a solid investment strategy and is capable of holding its own even during downturns and crashes. It also shows that the company is led by an experienced and level-headed management team which is focused on long-term growth.
Let us take a look at TIAA's current product range. Remember the life insurance products will no longer be available after December 2019.
Policies Offered by TIAA
Term Life Insurance
TIAA offers a pure term life insurance policy which is designed to protect you for a specific term period. You have four term lengths to choose from – 10, 15, 20, and 30 years. If you pass away at any point during the coverage period, the beneficiary designated by you will receive the death benefit.
The premium and the death benefit are set to remain unchanged for the entirety of the term period. TIAA gives you the option to convert your level term policy into a permanent policy any time you want. If there is no change in the coverage amount, you do not have to take any medical test.
If on the other hand, you want to increase your coverage amount, you might be asked to undergo a medical exam. It should also be noted that the convertibility option is only available for people less than 80 years of age.
TIAA also offers an accelerated death benefit rider completely free of cost along with its term life policy.
If you are diagnosed with a terminal disease while your policy is still in force, you are allowed to access a portion of the death benefit or the entire death benefit amount, depending on your needs. After your death, your designated beneficiary will be paid the remaining amount.
Permanent Life Insurance
TIAA's permanent life insurance policies are designed to provide you with coverage until your death. The policies build cash value, which you can access from time to time for your financial needs.
TIAA offers five types of permanent life policies – universal life, survivorship universal life, long-term care universal life, variable universal life, and survivorship variable universal life.
Universal Life
This is a traditional universal life policy from TIAA. It offers a guaranteed, tax-free death benefit, which is paid out to your beneficiary in the event of your death.
The premium is not fixed, so you get to decide how much you want to contribute to your policy on a monthly or yearly basis. The coverage amount is also not fixed, which means you can adjust it from time to time, depending on your financial needs.
There are, however, a couple of caveats though.
- There is a minimum payable premium, which is set by the company at the start of the coverage period. If your payments fall below the minimum limit, your policy could lapse.
- If, at any point during the coverage period, you want to significantly increase the death benefit, the company might ask you to prove your insurability.
The cash value account is set to earn a minimum of 3% interest. The rate of interest could go up, depending on the company's performance and a number of other factors.
You can access the money in your cash value account by making a free partial withdrawal or by getting a policy loan, which needs to be repaid with interest.
Survivorship Universal Life
The policy is designed to provide lifetime insurance coverage to two individuals. The death benefit is paid out to the beneficiaries after the second policyholder passes away.
It is ideal for couples who want to provide their heirs with tax-free income, which can be used to pay estate taxes, settle outstanding bills, take care of a person with special needs, and for a variety of other purposes.
The policy's cash value account earns an interest of 3% or higher. You are allowed to make partial withdrawals on a regular basis and get a policy loan as and when needed. You can adjust the premium as well as the death benefit depending on your financial needs.
Long-Term Care Universal Life
The policy combines the guaranteed protection of a traditional universal life policy and the living benefits of a long-term care policy.
The policy offers a death benefit, which your beneficiaries are assured of in the event of your death. In addition to this, the policy also helps you cover the expenses associated with long-term care.
The insurance provider pays you in case you are confined to a nursing home, assisted living facility, adult day care, or hospice care due to your health condition. You are eligible to receive the payments even if you are taken care of by your own family in your own residence.
Variable Universal Life
This is an extremely flexible policy with high growth potential.
- You can choose the coverage amount you need and adjust it whenever your financial needs change. The death benefit is guaranteed, which means your beneficiaries are assured of a payout after your death.
- You are free to choose the amount of premium you want to pay, as long as your payments meet the minimum limit set by the insurance company. You can also choose the frequency of your payments – you can make the payments on a monthly or yearly basis or create your own schedule.
- You can invest the money in your cash value account into a fixed account as well as a number of other investment accounts. Depending on your appetite for risk, you can allocate your funds among a wide range of high-risk, fixed rate-of-return, and low-risk investment options.
You are allowed to transfer the money from one investment account to another as and when you need to.
- TIAA offers a dollar cost averaging program, which is designed to help you invest your money in a systematic manner to mitigate the risks involved to the extent possible and to maximize the earning potential of your portfolio.
- Perhaps the biggest advantage of a variable universal life policy is the potential for high returns. Indexed policies usually have a cap on the amount of money that can be credited to your account. Variable policies usually do not have any such upper limits.
So, under favorable market conditions, your policy is likely to accumulate cash value at a much faster rate compared to a traditional universal life policy or an indexed universal life policy.
- There is also a fixed account, which is set to grow at a steady rate. So even in the event of a downturn, your account is guaranteed to be paid a minimum rate of interest.
- You can access your life insurance policy's cash value any time you want by making a partial withdrawal or by getting a policy loan. If you are unable to repay the loan, the insurance company will deduct the outstanding amount (principal, interest, and penalties if any) from your policy's death benefit.
Survivorship Variable Universal Life
This is similar to the traditional survivorship universal life policy offered by TIAA, except for the fact that the policy's cash value account is linked to a wide range of investment options.
Generally, survivorship policies are easier to qualify for than individual policies. So they are a great choice for couples who are looking to provide their children and grandchildren with the funds they need for various purposes.
Review the pros and cons of choosing TIAA as your insurance provider below.
Pros and Cons of TIAA
- TIAA is financially stable and has been in the insurance business for over a century. It is very reliable and is known to settle claims without unnecessary delays.
- It offers an excellent term life policy, which allows you to access the death benefit in case you develop a terminal disease. You also have the option of converting it into a permanent plan any time you want.
- It offers a traditional universal life policy as well as a variable universal life policy for individuals. It also offers a traditional survivorship life policy as well as a variable survivorship life policy for couples.
- An accelerated death benefit rider, which gives you access to your policy's death benefit in the event of a terminal illness diagnosis, is included with all the universal life policies completely free of cost.
- TIAA is known for its top-notch customer service. The company's customer service representatives are knowledgeable, polite, and responsive.
- The company's website is user-friendly, easy to navigate, and is full of useful information. You can find out what kind of products they offer, determine how much coverage you need, and get a quote instantly.
TIAA does not offer a traditional whole life policy or an indexed universal life policy. Despite the fact that the company offers a number of other policies, which are great in their own right, the lack of these two policies is certainly a downside and might force some people to look for other insurance providers.
Final Thoughts on TIAA
TIAA is well known, reliable, and financially stable. It offers term as well as universal life policies, which are filled to the brim with excellent features. An accelerated death benefit rider is added free of cost to all the policies, which is something we really appreciate.
If you are looking for a traditional term life policy, universal life policy, or a survivorship life policy, you cannot go wrong with TIAA. In case you need a whole life policy or an indexed universal life policy, you have to choose a different insurance provider.


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Published: July 11, 2017 20:32:04 | Updated: October 24, 2017 04:16:36
SHAHJALAL INTERNATIONAL AIRPORT at Dhaka lacks many facilities befitting an international airport. The interior is unclean and ill maintained. Lighting is inadequate. Standard of service is disappointing and unless improved shortly, it will continue to present a wrong image of the country to the foreigners visiting Bangladesh. As it is the main international airport of the country, it is the point of entry of the foreigners visiting either on vacation or business. The officials and workers at the airport should be well groomed and well-mannered like we find in other international airports. The interior decoration of the airport is close to being obsolete and needs to be improved quickly. The state of cleanliness of the airport is very poor and sadly Dhaka airport at present ranks very low among international airports of the world.
To be precise, Dhaka airport needs a thorough facelift so that it is at a par with other international airports. I hope the government will soon look into it and take immediate steps to make the airport clean, neat and beautiful.
Imran Aziz
Niketon, Dhaka
China exchanges visiting cards with Myanmar but Rohingya repatriation takes back seat
Reforming and revitalising NAM
Importance of data on arable lands
Preparing national database of NTMs
Leather sector primed to become leader in export diversification
Banking industry: 'Shareholders are the owners'


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You are hereHome › Procedural guarantees › Torture › Credibility assessment ›
EDAL case summaries
United Kingdom - R (on the application of LMC) v Secretary of State for the Home Department, 17 June 2016
The detention of an asylum-seeker who claimed he had been tortured because of his sexual orientation was unlawful in part.
The detention of asylum applicants may undermine their ability to claim asylum and that an 'effective remedy' requires an appeal with suspensive effect against refoulement in order to prevent irreparable harm, sufficient time to prepare the appeal and effective legal assistance and interpretation.
ECtHR - T.I. v. The United Kingdom, Application No. 43844/98, Decision as to the Admissibility, 7 March 2000
The case involved a Sri Lankan asylum seeker whose application was rejected in Germany, and upon seeking asylum in the UK, was rejected on the basis of the Dublin Convention and that his application corresponded to Germany. The Court found no breach of a Convention obligation from the UK by its decision to remove him to Germany.
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