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We can all be thankful for the invention of the internet for making life easier and more convenient. This relates to millions of consumers so they can purchase their favorites products and services. The life insurance quoting and application process is extremely simple these days. Especially when compared to the older ways we experienced years ago. Comparing Michigan Term life insurance quotes is now a snap.
The information in this article will answer many of your questions and make you a much smarter life insurance consumer. This is the key to obtaining the best life insurance rates from the best life insurance companies.
I will go over all the necessary information you will need to know. Then you will be able to make the application process much easier to comprehend and save time.
Here is the most important tip I can give you. Locate an experienced life insurance agent to help you shop the market right from the very beginning.
Trying to find the best Michigan Term life insurance quotes by yourself, will quickly get frustrating due to many choices. This includes the many insurance companies to consider and the complicated sounding insurance terminology the industry uses. If this has already happened to you, remember it happens to everyone who tries to shop without an agents help. They can find the best online life insurance quotes in a matter of minutes.
Even the agents can get confused from time to time. Shopping for life insurance can be frustrating if you don't have any experience. But with the help of an experienced agent this can easily be prevented. You can easily make shopping for life insurance a simple event. Especially when you get some free help from a knowledgeable agent right from the very beginning. You will be money ahead if you do. Not to mention the incredible time you will be saving.
No medical exam life insurance can be approved within 24-48 hours. It also eliminates the need for a Para-Med Nurse visit to your home.
To most people, this means no blood test and if you are like me this means no needles. Purchasing life insurance with no medical exam can be a smart move. This is especially true if you have medical conditions. No medical exam life insurance can cost more but we have companies such as Lincoln National with very low rates. Keep in mind that low cost Term life insurance will always be the plan design with the lowest rates. It is always a good idea to compare fully underwritten plan designs with the No Medical Exam counterpart. Life insurance is never a one size fits all type of product.
Modern quoting systems take all the guess work out of trying to determine what company has the lowest rates.
You can compare Michigan life insurance quotes and see immediately what your options are. You can then make an educated decision with much more confidence. The more you know, the easier it will be to find the best life insurance for your specific needs. You also have to consider your budget so you can easily pay your premiums. Understanding exactly what you are purchasing is very important. The state of Michigan has an excellent choice of companies and plan designs to choose from.
If you put this information to work, it should help take the confusion out of shopping for life insurance. Saving money is always the name of the game and we all can agree on that. Why would you want to pay any more premium dollars for the same product than you have to? Life insurance rates have also gone down and the amount of new applications in Michigan are up.
Here are the cities in Michigan with the most increase in new applications. Detroit, Grand Rapids, Warren, Sterling, Ann Arbor, Lansing, Flint, Dearborn and Livonia. Also, Troy, Westland, Kalamazoo, Royal Oak and Battle Creek. People are taking advantage of the lowest rates due to people living longer reducing the risk. This is a good time to purchase individual life insurance.
Medical conditions, hazardous occupations and dangerous sports can all have an impact on your applications final rates.
Keep in mind that medical conditions or a high risk occupation can increase the cost of your life insurance premiums. Even a dangerous sport or hobby that you are involved with such as drag racing, skydiving and scuba diving. Also, boat or motorcycle racing and skydiving and others can increase your final rates of your new insurance plan. This can fall into the class of high risk life insurance. If you find that high risk life insurance is what you are going to need. Keep in mind you can still get excellent rates on low cost Term life insurance.
Your life insurance agent will know from experience what companies would be the best choice for you. This will help you receive the lowest rates possible. This is where the independent Brokers really can get the best results for you. Their ability to shop the complete market for you unlike a captive agent. Such as State Farm, Allstate or Country Companies with only one company to show you.
Comparing life insurance is now a very simple & quick process. Run our quoting system on the right of this page and instantly compare over 40 companies.
An important concept when shopping for Term life insurance is to compare all your choices all at one time. Your agent will do all this homework for you and should present you with all your available options. Using the most applicable company for your specific health history and lifestyle. Is going to be the most important part of the application process. Our quoting system will allow you to compare the best term life insurance rates in minutes.
This is definitely the most important step in the whole application process. All life insurance companies underwrite their applications differently. That is why choosing the correct company is so important. If you have any simple or serious issues with your medical history. A free 10 minute medical pre-screen can indicate what company will offer you the best life insurance rates. This eliminates surprises later on down the road.
Using the most applicable company is crucial when obtaining the best Michigan Term life insurance quotes.
An insurance broker has access to all the very best companies available. He can find the correct life insurance company quickly and efficiently due to their continued training and experience. Life insurance companies such as Transamerica, American General, Prudential, Banner Life, Protective Life do a great job. They have some of the very lowest rates in the industry. You can review immediate life insurance quotes on our quoting system in less than a minute.
There are two main forms of life insurance products to consider, Term life insurance and permanent Universal Life.
The Term policies are temporary life insurance plan designs. This is due to the fact they have term lengths from 5, 10, 15, 20, 25, and 30 years. You can also purchase these plans with a no medical exam option also if you choose. If your main goal is to purchase cheap life insurance. Term will definitely be your best option to save you the most money.
If you are looking for life insurance to provide you with coverage for the rest of your life. Universal life is always a great option to use. The most popular modern plan design in the US is affordable Term life insurance. Term can also be purchased along with Universal life. This will give you the best of both worlds and create an excellent life insurance portfolio.
The main concept to remember is Term insurance policies terminate after the stated time period. These dates are designated in the life insurance policy. The good part is if you need a high face amount otherwise known as your death benefit. Michigan Term life insurance will cost you the least amount of money. You can then have a high face amount at a very affordable premium. Everyones goal is to receive the best life insurance rates and not pay any more that they have to.
Keep in mind that your final rates are always determined by a life insurance underwriter and not an agent.
Many people have the misconception that the agents and brokers are the people that set the premiums. Life insurance rates are also regulated by law. The agents and brokers can only provide an estimated premium quote based on the information at hand. But the underwriter sets the final rates after all of the application information has been processed. This could take a fully underwritten policy could take 1-2 months normally. Simplified Issue No Medical Exam life insurance take 1-2 days to be approved.
The more knowledge you have when shopping for the best Michigan Term life insurance quotes the better off you will be. Don't hesitate to contact us with any questions you may have and feel free to call us 7 days a week. We love to help people save money and find the very best plan for their needs. Take a moment to read our About Us page to learn more about us and our business. Take advantage of our quote engine so you can quickly compare the best online life insurance quotes.


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Product Overview
The innovative design of the gas powered GV-10 XLT has the power and performance of the vacuum paired with the efficiency of the pre-separator, all on one convenient frame. The pairing of the 12″ high efficiency cyclone (HEC) increases the efficiency by 95% and separates heavy material before entering the vacuum, further increasing filter life!
Features and Benefits
Features and Benefits
- The GV-10 XLT is a powerful gas powered vacuum with an external manual filter cleaning mechanism for dustless maintenance
- 12″ HEC improves efficiency by 95% and increases collection capacity by 30 gallons
- Pre-separation increases the vacuum filter life
- The HEC XLT lifts and tips for easy emptying, eliminating the need for heavy lifting
- Insert a bag into the XLT drum and never come in contact with the dust!
*Specs subject to change without notice
|Motor Rating:
|10 Hp Gas Powered Motor
|Duty Cycle:
|Vacuum Rating:
|8.2 Hg"
|Volume Rating:
|Primary Filter Area:
|28 sq ft
|Primary Filter Efficiency:
|99% @ 0.5 microns
|Inlet Connection:
|2 3/4" w/ Aluminum Cast Deflector
|Housing Material:
|Compression Cast "Bulletproof" Composite Modular Housing
|6" Heavy Duty Casters
|Collection Capacity:
|30 Gallon Collection Drum and 9 Gallon Dustpan
|Power Cable:
|30 ft.
*Specs subject to change without notice
|55 Gallon Drum Option

subset: commoncrawl


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Cases of cancer continue to steadily rise across the globe, particularly in developing countries. According to Harvard's School of Public Health, the percentage of new cases of cancer was similar for developed and developing regions 20 years ago. But today, 55 percent of new cancer cases arise in developing nations—a figure that could reach 60 percent by 2020 and 70 percent by 2050.
One early stage company at the University of North Carolina at Chapel Hill is looking to address this challenge with their unique technology solution. EmpowerRT is a new, social enterprise startup with a mission to help people in developing countries by improving cancer radiation therapy without spending millions of dollars on modern treatment technology.


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Care, personalised
The most effective blend of Professionals and Technology to serve the "Care Ecosystem".
Tech n' Care is Domedica's new approach to deliver truly personalised care. Dedicated to Patients and to Health Care Professionals.
We have designed and executed more than 100 Patient Support Programmes and Integrated Health Care Projects.
Our expertise covers more than 30 Therapeutic Areas and Indications.
Our mission is to design and execute innovative solutions to improve outcomes and optimise resource utilisation in Health Care.
A Patient-centric company, much before it became fashionable
Domedica serves first and foremost the interests of Patients and their families, and supports Clinical Centre's continuity of care.
Multi-Channel, e-detailing and online marketing. We help Clients nurture and develop long-lasting relationships with key Constituencies.
Innovating Health Care
Our teams of Professionals include Physicians, Nurses, HealthCare Managers, Psychologists and Physiotherapists.
They are supported by Technological solutions and Managers uniquely qualified to serve the Health Care sector.


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|Lisa Rasor
Monday, October 1, 2018
Wake-up call comes with a scraped helmet
6 comments:
Lisa, Thanks for the great reminder during Put the Brakes on Fatalities. Sometimes we get focused on driving a motor vehicle safely, that we forget the need to exercise safety in other means of travel. Such as wearing a helmet while biking and paying attention while walking. Thanks for the reminder. P.S. Thanks for giving Barnes, Kansas, a shout out with your photograph in front of the Hometown Cafe.ReplyDelete
- Don SnyderOctober 1, 2018 at 8:13 AM
Lisa - glad to hear it was just your helmet that was scraped up and not your head! I had a similar experience when I was hit by a car 4-1/2 years ago. I later found out my helmet actually had a large split in it after I hit the ground, that could have easily been my head!ReplyDelete
- Denise O'DeaOctober 1, 2018 at 8:14 AM
Lisa, I appreciate your story. As one of a "mature age", I did not grow up wearing a bike helmet, so that is something that takes an adjustment to get used to. Ask Gelene about the importance of wearing a helmet, as well. Denise O'DeaReplyDelete
- Alex WiebelOctober 1, 2018 at 8:25 AM
Thanks for sharing your experience, Lisa. This is a great reminder that riders of all ages need to take safety precautions, no matter their level of expertise. Hopefully you can continue to enjoy riding.ReplyDelete
Lisa, having destoyed a couple helmets myself, I couldn't agree more.ReplyDelete
- AnonymousOctober 1, 2018 at 6:08 PM
Lisa, thanks for sharing your bicycle riding experience. I am glad that you were not seriously hurt even though you had cuts, bruises and some pain from a crash with a metal railing on the outside of a curve. Thank goodness that you were wearing your helmet.ReplyDelete
Riding a bicycle has always seemed to me as a good way to get exercise as it was for you. The reality you experienced follows that some basic safety criteria should always be followed just as driving any moving vehicle (motor or otherwise). Always be attentive and focused on the road or path ahead, travel at a speed that is posted or appropriate and wear the appropriate attire and protection for what you are driving or riding. Thanks again for sharing what happened to you during a bike ride and hopefully you have had many enjoyable rides since.
Larry Emig


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Our Vision
Doctors and medical students living wholeheartedly for Christ.
Our Mission
Supporting and equipping doctors and medical students to grow personally and professionally, in faith and expression, in New Zealand and beyond.
Our Aims
The Aims of CMFnz are set out in The Christian Medical Fellowship of New Zealand Inc's Constitution.
- Grow a network of NZ-based doctors & medical students who can work together to encourage and deepen our Christian faith and integrate it with our medical life
- Support Christian doctors & medical students to be global citizens & support the work of medical missionaries
- Encourage Christian doctors & medical students to share their faith & bring others to a personal faith in Christ
- Be a national Christian voice on medical & ethical issues
- Operate with a financial plan that encourages creative growth, fairness & good stewardship
Our Basis of Belief
This is what CMFnz exists for and is grounded on - our basis of belief:
The revelation of the one true God (Father, Son and Holy Spirit) as it is given to us in the Bible, which is the divinely appointed authority for faith and life; the Gospel of our redemption through the incarnation, death and bodily resurrection of our Lord Jesus Christ; our regeneration and renewal in holiness through the Holy Spirit's indwelling; and the expectation of the return of Christ to receive His people and to be the world's righteous judge.
Everything we do in our personal and professional lives in medicine stems from this.
Join us
Get your CMFnz membership & get connected. Consider how you can get involved by sharing your experience (contact us) or money (donate).


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Pongal a well celebrated festival especially in tamilnadu for its Traditional way of celebration we Tamilians used to worship each and every animals,Plants as a significance of Deity. and the specialty of Pongal Festival is seen allo over Tamilnadu Villages whereas the rice is boiled and mixed with Jaggery and offered in front of Sun (Sooriya Bhagavan) and Distributed to the family members as well as to the Live stocks.
The Festival is celebrated for four days continuously with each days has its own specialty and significance. The celebration starts with Bhogi (old Clothes, unwanted commodities were burnt and it signifies new future to be born soon), second day with the vast celebration where the Pongal itself celebrated on that day every one in the family engage in celebration by devoting their time with temple and their well beings and all the members n the family gets up early in the morning and boils milk in the vessel to fill up on to the vessel which is symbolically known as Pongal in our Traditional Tamil Language.
Pongal is also celebrated in various states on various names like Makara Sankaraanthi in Kerala and Lohri of north etc..
Lets take a look how each day of this four day Pongal festival hold significance.
| Home | About Madurai | History |Important places | How to Reach | Where to stay | Important Temples | Tourist Info | Contact Us |


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Sleeveless Wrap Jacket
Elegant shawl collar cut from vintage mohair throw, bottom is slight peplum skirt just covering bum. The sleeveless garment is perfect over dark leggings and top, and enhances most body types. Matching hand-made brooch is included. Contact me to select your colours. Sizes: Small, Medium, Large, Large-Tall
Waterproof Hat
Lined hiking and rain hat, hand-made with oilskin "outback" material from the UK. Choose from a range of colours: deep-red, yellow, tan-gold, grass-green, elephant-grey, ultramarine-blue, dark-olive; my hats often combine 2 colours, one for the crown, another for the brim. 4 sizes: – Small (fits 21″ circumference) – Med (22″) – Large (23″) – x-Large (24″)
Elliot Bag
The perfect everyday bag made from upcycled wool textiles and a 3″ oilskin gusset. Pockets – both zipped and slip – to satisfy the organizer in you! Overall dimension approximately 10″ tall x 11″ wide.
Commuter Bag – Unisex
Made with reclaimed wool fabrics (from tweed jackets, herringbone coats, tartan skirts) no two are exactly the same. Measures approx. 12″ wide X 13″ long X 3 1/2″ deep – can be adjusted to suit. Lots of pockets for storing those bits needed for the commute including a tablet or laptop. See July 14, 2018 blog-post for more photos.


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BMW X2 2019 | Highly Exceptional
BMW X2 2019 is the top range version in the list of SUV. It offers 2.0 Liter Inline 4 mate V8 auto transmission to produce 228 HP and 258 pounds of torque and drive of al front wheel. It is recorded that this SUV can run from zero to 60 MPG in 6.0 seconds. It also has available safety tech like 4G LTE WIFI hotspot and Android carplay. It offers lane departure warning, forward collision, auto high beams, low-speed auto emergency brakes and more. BMW X2 has advance dynamic abilities with comfort mode that can be selected by the electronic damper control toggle switch. BMW X2 2019 has dynamic handling suspension along with variable dampers, low ride height, and firm suspension tuning.
BMW X2 2019 provides quick steering response that leans a bit corner due to 8.0 inches ground clearance from bottom. It has standard driving control with toggle free that offers comfort, ECO pro and sport modes that customizes the throttle transmission. BMW X2 2019 has all wheel drive, steering weight and variable damper settings.
BMW X2 2019 has revealed the list of available options that are very extensive and includes, keyless access entry, heated steering, head up display, wheel, and front seats, Harman kardon audio system, anatomic sunroof, advanced touchscreen infotainment system with integrated navigation, active cruise control, and smartphone connectivity. BMW X2 2019 has a driving assistance package that adds lane departure, forward collision warning, auto high beams, and city mitigation system. Its dynamic handling package includes sports steering, damper control and visually sport X design aggressive exterior with beauty cues.
BMW X2 has high profiled tires with the impeded ride quality on any type of rough surface. It also includes a semi autonomic driving function that is enabled by camera-based cruise control technology. BMW X2 2019 adds steering support in stop-start traffic, acceleration and single lane motorways. Its interference is very simple and clear to navigate.
BMW X2 2019 features spoiler suspension, sports transmission, 20-inch wheels, panoramic sunroof, amenities interior, steering wheel, unique exterior, and trim. BMW X2 reviews offer eco pro comfort and sports mode that can variable damper settings. BMW X2 2019 offers 28.2 cubic feet of cargo space with the rear seat up or down and can be folded up to 58.5 cubic feet for respectively more or maximum space. It also includes adjustable bolsters that will accommodate 10 power adjustment. It also has an impressively space similar small crossover, wide door openings meant that passengers can be able to easily get in and out. BMW X2 2019 offers convenience package adds a universal garage door opener, exterior mirror, auto dimming, keyless access, power folding mirror, lumbar support and the panoramic sunroof.
BMW X2 2019 Features:
- Upgraded 2.0 liter 4 cylinder engine
- 228 horsepower available
- 258 pound of torque
- Stiffer suspension
- Top speed 150 MPH speed
- to 60 MPH in only 6 seconds
- Wheelbase: 106.1 inches
- Length: 172.7 inches
- Width: 73.8 inches
- Height: 62.1 inches
- Curb weight: 3,449–3,733 pounds


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Glitter Fried Egg Fascinator
Festive is more Fun---which is why you need to wear a fried egg on your head! The egg white is a subtle glitter with a rounded felt yolk. Underneath a felt base and a snap clip keep it flush to your head. The flat hats -- flatinators -- are the perfect introduction to wearing something on your head.


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A few days ago, I've complained that I had this awful pain in the neck. That pain was on my left shoulder and the left side of my neck.
Well, just as I thought the pain was almost gone for good, I woke up on Tuesday with a similar pain but on my right side! I thought about just staying home then but decided that I could probably endure it for the rest of the day. I also wanted to try the neck massage given at the Australia on Collins mall during the lunch break.
I had a difficult time concentrating on my work for the better part of the day. My posture at work wasn't helping me at all. I got a little reprieve right after the $10 neck massage though. It was an amazing thing! It was my first enjoyable neck and shoulder massage.
Before going to bed, I applied Deep Heat on my shoulders and neck hoping that it would heal away the pain by morning. Unfortunately, when I woke up this morning, the pain was still persistent. I then decided to just stay home and rest the shoulder and neck and take some pain medication.
In the afternoon, I decided to go have another neck and shoulder massage but I didn't want to go all the way to Australia on Collins just for that. So I went to a nearby Chinese massage service (like when I was in Canberra) to have a neck and shoulder massage (for $20!).
During the massage section, the pain was almost unbearable but I toughed it out. The pain I was receiving from the masseuse was numbing the pain I was feeling from my shoulder and neck. After the session, I was pleasantly surprised to feel improvement. That is, there was less pain now. Hopefully, the pain will have completely disappeared by tomorrow.


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For the latest security information, U.S. citizens living and traveling abroad should regularly monitor the Department's Bureau of Consular Affairs Internet web site at http://travel.state.gov/, where the current Worldwide Caution, Travel Alerts, and Travel Warnings can be found. Up-to-date information on security can also be obtained by calling 1-888-407-4747 toll free in the U.S., or, for callers outside the U.S. and Canada, a regular toll line at 1-202-501-4444. These numbers are available from 8:00 a.m. to 8:00 p.m. Eastern Time, Monday through Friday (except U.S. federal holidays).
The Consular Section of the U.S.Embassy in Brussels is located at :
Boulevard du Régent/Regentlaan 25
B-1000 Brussels
Phone: (+32)(0)2-811.4000
U.S. Passports/Citizenship & Special Consular Services
(There is no visa information available in the American Citizen Services Section)
Walk-in hours for pick-ups only:
Monday – Thursday: 1:30 PM to 3:30 PM
Friday: 10 AM to 12 PM
(Closed on U.S. and Belgian holidays)
Available by phone:
Monday – Friday: 8:00 AM to 10:00 AM
Tel: (+32)(0)2-811.4300
E-mail: email@example.com
After hours:
(+32)(0)2-811-4000 and ask to be connected to the duty officer.
U.S. Passports/Citizenship services:
In case of an emergency, doors will be open between 8 and 10 AM, only after calling one of the two above stated phone numbers or in agreement with the duty officer.
Special Consular Services:
For emergencies involving Financial Assistance; Arrests/Incarcerations; Medical Emergencies; Death of U.S. Citizens Abroad, contact one of the 3 numbers provided above under "Special Consular Services" or the duty officer after hours. In case of problems contacting the Special Consular Services unit, call the main number (+32) (0)2 811-4000 and, explaining that you are calling about an emergency, ask that you be connected to a consular employee or officer.
Schedule of Fees (some fees apply in the U.S. only)


text: Employee Communication Customize and Communicate Online or on paper, putting employee benefits information into the hands of employees is an important part of any benefits strategy. Employees can only appreciate benefits when they fully understand them. The I-Care Team gives you an array of options to communicate the benefits you work so hard to design and maintain, including customizable benefits statements, enrollment communications, and benefits communications.


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WARNING: Portions of this post may be offensive to some readers. Discretion advised.
As I've mentioned on several occasions, I use the city bus to get to most places. There are a few benefits to this:
- I have unlimited transportation for $25 per month.
- I don't have to cringe every time gas prices go up.
- I can't be pulled over for speeding or other minor traffic violations.
- I don't have to pay extra for insurance or maintenance.
- Instead of fighting traffic, I relax with a book while I get where I'm going.
While there are a few downsides as well, the benefits far outweigh them in my opinion.
- If it's raining, taking the bus is a bit inconvenient.
- Texas summers are very hot, which can make waiting for a bus unpleasant.
- Sometimes I need to do more shopping than I can carry back on the bus. Even that's not a real problem, though; I only do it about once a month, and then I just take a bus to the store and call a taxi for the return trip.
But the single most annoying thing about riding the bus is being part of a captive audience for people who either don't know or don't care that perfect strangers may not want to hear about all their personal business.
Why are some people perfectly fine with shouting into cell phones about their STDs in front of a bus load of perfect strangers? And what makes some people think that it's OK to strike up a conversation with a stranger, using the fact that they were just released from jail as an opener?
Oh, I'm not exaggerating. Not even a little. These are some of the least disturbing things I've heard on the city bus.
Today I had to sit for forty minutes while some loud mouth on the bus talked non-stop to two other people, but loud enough for everyone on the bus to hear. Not only was I completely uninterested in the conversation and annoyed by his lack of consideration, toward the end of my trip, I had become quite uncomfortable with it all. Allow me to share with you some of the things that I now know about a perfect stranger:
- He was born in a women's federal prison.
- He lived with his grandmother until he ran away at age fourteen.
- During that time he got into trouble with the law and did time in a juvenile facility.
- As an adult he was arrested on drug charges (dealing) and all of his personal property was seized.
- Because of the drugs, his girlfriend's two children were taken into the State's custody and placed in foster care for a year.
- His driver's license is currently suspended because of a DWI for which he is also on probation.
- He now supports the two children (not his) who they recently got out of foster care.
- He also has a newborn baby (his) who is currently sick and whose mother won't take care of her.
- He would have another baby by a former girlfriend, but she had an abortion.
- He thinks big screen TV's impress women, and hasn't a clue that prison stories do not.
- He thinks it's best to have children when you're very young so that you can be finished raising them "by the time you're thirty" (apparently he sucks at math).
I'm not here to judge this man in any way except to ask why in the world does anyone think it's OK to tell all this to an audience of perfect strangers?
I'm sure it could be argued that he was never properly socialized. Look at his life. I'm not lacking compassion here, I just don't understand. Could it be that everyone who does this kind of thing has a similar hard luck story? If so, why are they only able to learn socially unacceptable behavior while remaining unaffected by the behavior of almost everyone else?
Without going into detail, my life hasn't always been… quiet, shall we say? I've been through quite a lot that I could use as an excuse to behave badly, or in a socially unacceptable way, but I don't. And I understand the concept of "a time and a place".
Sure, "acceptable" is a relative term. But I believe (dare I say "know"?) that there are a handful of things that the majority of civilized people will agree are socially unacceptable, even in spite of religious, political or cultural differences. And I think that one of those agreements is that there really is a point at which casual conversation, especially in public, crosses the line into TMI (too much information) territory. I'll go a step further and say that I think there might also be a consensus regarding what constitutes crossing that line.
Am I wrong? Is it OK to talk in public about your latest STD and the fact that you're sterile because of it? Is there nothing at all wrong with talking loudly about your irregular periods and bleeding so heavily that you can't leave the house for several days, all the while having to fight off your boyfriend who wants you anyway? Is it socially acceptable to discuss other people's abortions (or your own)? Your sex life (or someone else's)? Your current method of birth control? The fact that you're on parole and living in a halfway house? Is it really fine to talk about all these things within earshot of perfect strangers?
Obviously, the people doing the talking don't mind spilling their guts about every personal detail of their lives. It's clear that they're perfectly comfortable telling all. But what about the people being forced to listen? Do they matter? Are the people who do all the talking unable to detect the cues and signals of discomfort or lack of interest given off by other people? Would this constitute some sort of thought or social disorder? Can we call it TMI Disorder?
At the very least, isn't it just plain rude?
If you've read this far, thank you for taking the time. I hope you don't think I'm intolerant or overly judgemental. I just do not understand this kind of behavior. The questions are not rhetorical, either. If you would like to share any thoughts at all on the subject, I would welcome and appreciate it.


text: DB Tools* is based in Brandon, Manitoba, employs 160 people, and makes high-quality components for the mining industry. The company competes in this niche area with companies from around the world, especially the United States and Europe, and increasingly China. DB's biggest U.S. competitor recently leveraged U.S. tax policy changes that allowed it to immediately write off the full cost of investment in new equipment, speeding up production and improving its product quality. To stay competitive, DB Tools wanted to expand its own investments in developing talent and acquiring new equipment. The company looked to Canada's tax system for support, but had little success: The previous year, the company had invested in equipment upgrades but missed out on the Manitoba manufacturing investment tax credit. They hadn't realized they were eligible before the deadline had passed. DB Tools has a good relationship with the local college, providing co-op and apprenticeship opportunities to its students. But earning the credits for taking on apprentices and co-ops involves a lot of work to figure out which program applies to their students' roles and to complete all the forms correctly. In the past, DB Tools succeeded in getting credits for research and development, but their last applications were refused after a time-consuming audit. A small company like DB Tools has many ways to gain support through the tax system, and these can make a big difference. Yet identifying what provincial and federal credits they qualify for and submitting the right paperwork are significant impediments. When companies weigh the time and money they need to invest to claim these credits against the likelihood of success, it can be touch-and-go as to whether the investment is worthwhile. *This is a real case study received from a CPA member. Names and places have been changed to protect privacy and sensitive financial information.


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Blocker for A24
Blocker for A24
We've designed our A24 trap to target specific pests only. The chance of trapping anything you want to protect is very small.
While the Blocker for A24 isn't a necessity, as some animals can be inquisitive, it's an extra precaution you can take for further peace of mind.
If you have very small pets that are free to roam near the trap, we recommend adding the Blocker for A24.
- The Blocker for A24 clips easily onto the Tree Mount for easy installation.
- Made from 100% recycled plastic


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Images will be an costly hobby. A camera is an optical instrument to seize still images or to record transferring pictures , that are stored in a physical medium resembling in a digital system or on photographic movie A camera consists of a lens which focuses gentle from the scene, and a camera body which holds the image capture mechanism.
We also have optical-zoom cameras and interchangeable camera lenses. Security cameras are of paramount help in stopping theft as well as different illegal activities. Video recording (including HD, taking pictures whereas recording video, time lapse). A picture says a thousand words, but a video captures each detail.
The word 'pictures' was coined by scientist Sir John F.W. Herschel in 1839 and it is truly is derived from two Greek phrases 'images' which means gentle and 'graphein' that means draw. Camcorders let you click on nonetheless pictures in addition to document movies of beautiful memories of your life.
At present, there are over 2.5 million safety cameras in United Kingdom alone with the intention to forestall and detect the occurrence of crime. Though a spread of different shutter gadgets have been used throughout the improvement of the camera only two varieties have been broadly used and remain in use as we speak.
These included 120 film providing 8, 12 or 16 exposures, 220 movie offering sixteen or 24 exposures, 127 film providing 8 or 12 exposures (principally in Brownie cameras ) and one hundred thirty five ( 35 mm movie ) providing 12, 20 or 36 exposures – or as much as seventy two exposures in the half-body format or in bulk cassettes for the Leica Camera range.


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& Toys
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Remark: The returned merchandise must be in the same condition as you received it and is in the original and undamaged packaging with all warranties, instructions, etc intact.
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Ms Shah has a BJourn from Rhodes University & USIU. Ms Shah worked as radio presenter for seven years, while also working full time in marketing and communications for the hospitality industry. Returning to Rhodes University to undertake a PGDip (Hons) at the Sol Plaatje Institute in 2013. She later returned to Nairobi and started her own consultancy firm specialising in media strategy for corporates and political parties, as well strategic interventions in brand alignment and management.
The EAI is a regional platform for research, policy analysis, public engagement and performance, focusing broadly on socio-economic development and environmental sustainability across the five countries of the East African Community (EAC).


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Are you concerned about global warming?
Me too.
Are you concerned that not enough is being done to combat global warming before certain tipping points are reached — tipping points that will negatively and irretrievably impact Earth's livability for all foreseeable generations?
Me too.
Do you wish you could do your part to protect your children and grandchildren from having to live in a much less sustainable environment than the one you have enjoyed?
Me too.
I am a retired university teacher (Medical Psychology), researcher, and clinician. Since retiring, I have taken up studies of computer science, math, and engineering. I have also authored or co-authored patents in the areas of information technology and alternative energy.
I planned to devote the last part of my life to studying and writing about health issues. It has become very clear to me that the outstanding challenge to health has become a rapid loss in environmental sustainability due to climate change.
My change in life course toward becoming an advocate and activist for a sustainable environment has been supported by numerous people, including family and friends. Colleagues who are presently working with me on this website to help inform others about solutions to global warming include systems engineer Saïd Majdi, engineering student Apratim Singh, and writing coach Jeffrey Davis.
Because you are reading these words, I thank you for your interest in maintaining a sustainable planet. Your comments and suggestions are welcome.
Thomas Manaugh, PhD
Dallas, Texas


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In 2016, UMHAN responded to the House of Commons Health Select Committee Suicide Prevention Enquiry.
In 2009, the government consulted widely about the mental health care and treatment available to people in the UK. UMHAN responded to ensure that the health care needs of people with mental health difficulties while studying were included. The response formed the basis of a later consultation with the Care Quality Commission (above), given the similarities of the issues.
In 2003, the Office of the Deputy Prime Minister consulted regarding the general problems and experiences encountered by people with mental health difficulties, with specific attention given to employment, social participation and service delivery. UMHAN responded to ensure that the experiences of people with mental health difficulties in Higher Education could be represented, that some of the barriers to full participation in society which we were aware of could be considered.
UMHAN has produced guidance for Disabled Students Allowances' needs assessors to underpin Assessment Centres' existing methodologies in relation to assessing the needs of students with mental health difficulties. This resource aims to highlight the dynamic, individual, context-specific nature of mental health difficulties, identify key principles when undertaking assessments, and assist in decision-making about different forms of support.


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I was recently sitting in a poorly produced play called That Hopey Changey Thing when, looking wistfully at my watch, I noticed that the hour hand and the minute hand were perfectly lined up, pointing in opposite directions. I stayed awake for the rest of the show in part thanks to the thought puzzle of how many times a day this happens, and how best to determine exactly when.
Here's an answer using Mathematica.
First, I found it useful to think of time in terms of a unit clock cycle — the hands on our theoretical clock run from 0 to 1, rather than to 12. The following Manipulate[] command draws a clock, allowing the user to set the unit time, and translating it into both conventional time and the angle of the minute and hour hands.
In[]:= Manipulate[ Graphics[{{Opacity[0], Disk[{0, 0}, .9]}, {Opacity[.8], Thickness[.02], Line[{{0, 0}, .65 {Sin[2 Pi m], Cos[2 Pi m]}}]}, Line[{{0, 0}, .85 {Sin[12*2 Pi m], Cos[12*2 Pi m]}}]}, PlotLabel -> ToString[Floor[Mod[11 + m*12, 12] + 1]] <> " hours, " <> ToString[360.*m] <> "\[Degree]\n" <> ToString[Floor[Mod[m, 1/12]*720]] <> " minutes, " <> ToString[4320 Mod[m, 1/12]] <> "\[Degree]"], {{m, 0, "time of day"}, 0, 1}]
The code when running looks like
This was useful when debugging the formulae for the conversions; any error was immediately apparent.
Breaking out the conversions explicitly, we have
In[]:= unitTimeToListTime[unitTime_Real] := Module[{hour, minute, seconds}, hour = Floor[Mod[11 + unitTime*12, 12] + 1]; minute = Floor[Mod[unitTime, 1/12]*720]; seconds = Mod[unitTime, 1/720]*60*720; {hour, minute, seconds} ]
In[]:= unitTimeToMinuteAngle[unitTime_Real] := 4320 Mod[unitTime, 1/12]
In[]:= unitTimeToHourAngle[unitTime_Real] := unitTime*360 // N
These in hand, I naively thought the problem was as good as solved. I defined my problem in functional form,
In[]:= unstraightness[unitTime_] := Abs[Abs[unitTimeToMinuteAngle[unitTime] - unitTimeToHourAngle[unitTime]] - 180]
checked it with
Plot[unstraightness[unitTime], {unitTime, 0, .999999}]
and we see as expected a periodic function. There are 11 solutions when "unstraightness" == 0 per day, which makes perfectly good sense when you think about it.
I thought I could determine these with
NSolve[unstraightness[unitTime] == 0, unitTime]
but sadly, this yields nothing but error messages.
NSolve::nsmet: This system cannot be solved with the methods available to NSolve. >>
What to do? I decided on brute force. Slice the day into 1,000,000 pieces and identify the 11 times which produce the most opposed clock hands.
In[]:= handangle = Table[{unitTime, Abs[unitTimeToMinuteAngle[unitTime] - unitTimeToHourAngle[unitTime]]}, {unitTime, 0, .999999, .000001}];
In[]:= closeFits = Select[handangle, Abs[#[[2]] - 180] < .002 &];
In[]:= TableForm[
Map[{#, ToString[unitTimeToListTime[#]], unitTimeToHourAngle[#],
unitTimeToMinuteAngle[#]} &, Transpose[closeFits][[1]]],
TableHeadings -> {None, {"unit time", "clock time", "hour angle",
"minute angle"}}]
As looked to be the case from the graph, these solutions are clearly spaced exactly 1/11 of the clock apart from each other. This means that we can get a more perfect solution more quickly with
In[]:= Table[ToString[unitTimeToListTime[i // N][[1]]] <> ":" <> ToString[unitTimeToListTime[i // N][[2]]] <> ":" <> ToString[unitTimeToListTime[i // N][[3]]], {i, 1/22, .9999, 1/11}] // TableForm
which returns
Clearly, my bored glance at my watch had been at 8:10:54 pm.
One of the nice things about this solution method is that it easily generalizes to solve other "clock face" problems. For example, in a second we can determine that the hands of a clock are perfectly lined up, facing the same direction, at the following times:


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Paint Nite: Red Barn in Autumn
The Original Paint Nite: Unleash your inner artist
The Original Paint Nite: Unleash your inner artist
Staying home grows old pretty fast! If you're looking for ways to entertain, join our Virtual Paint Nite! It has all the fun and interaction of a regular Yaymaker event from the comfort of your home.
Go through the regular check out process, and take a look below at supply recommendations. Buy them online at the links below, use your own, or support a nearby local business. Instructions for joining your live virtual event will be emailed directly to you. There you'll get step-by-step instructions and a friendly face from the Yaymaker community bringing creativity straight to your screen. It couldn't be easier!
Stay safe & keep creating!
Recommended Supplies - source online, support small local businesses, or use the supplies you already have at home!
- Canvas - we'll be using a 16x20". If you don't have a canvas, a piece of cardboard cut to size could also work!
- Acrylic paints - you'll need yellow, red, blue, black and white for this version, but feel free to bring your own unique colors into the mix.
- Easel - If you have an easel, great, but not needed. You can always lay them flat on a table or find something to lean a canvas on.
- Paint brushes - A larger brush 3/4" to 1" wide, some type of skinny brush to paint details and something in between.
- Paint palette - a paper plate, recycled cardboard or plastic will do
- Cup of water, something you can wash easily or dispose of
- Protective apron or old t-shirt to keep your favorite outfits fresh even at home
Where to go for Supplies:
Your location
Come join us for a virtual Paint Nite live in a venue of your choice wherever you can stream our Paint Cast!!
Your host
Lisette was born in California and moved to Phoenix, Arizona at the age of 8 and has been here ever since. She graduated from Westview high school in 2013. She has been working with Yaymaker for the past 3 years! Teaching people the love of painting! Recently she had begun the journey to create her own art and become her own master artist! You can check out what she up to by checking out her Instagram! Custom by Luna
Host Reviews
Excellent host! She took time with project and offered clear instruction.
A great artist instructor.
She's the best


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Have you ever thought of carbohydrates (carbs) as a nutrient that causes weight gain? If yes, then you probably need to probably have a more in-depth understanding of carbs.
Carbs are one of the main macronutrients that is the main source of fuel for the body. The primary function of carbs is to provide energy for the body and that is why they are extremely important for your health. However, the urge for quick weight loss makes people give up on carbs and follow fad diets like keto diet or low-carb diet that involve minimising carb intake as much as possible. What's more is that people with diabetes are suggested to consume less carbs as they result in rapid increase in blood sugar levels. So, should diabetics not consume carbs at all? Keep reading to know...
Informing more about carbs and why they are important for the body is nutritionist Nmami Agarwal on Instagram. In a post, she talks about simple carbs and complex carbs, and which one of these is important for the body.
"When you consume less carbs, the body is forced to breakdown protein to provide energy," she says.
Complex carbs
Complex carbs are starches that are digested and absorbed slowly into the blood stream. This is the reason why complex carbs do not rapidly increase blood sugar levels, and are thus safe for diabetics. Food sources of complex carbs include whole grains, fibre-rich foods, fibrous vegetables, potatoes, sweet potatoes and brown rice to name a few.
So, if you are trying to lose weight, opt for choosing the right carbs instead of completely eliminating them from your diet.


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When it comes to holiday baking, you don't have to miss out on all the fun just because of dietary restrictions. Here are some of the best gluten free cookies that taste absolutely amazing and are even clean eating.
We don't even have full-on dietary restrictions in our family. Still, I absolutely love baking with alternative flours that just happen to be gluten free.
Coconut flour is of course one of my all-time favorites! I even wrote an eBook full of recipes with it – check it out here.
The following recipes are fantastic if you are looking for gluten free Christmas cookie recipes, but they are also just as delicious and suitable all year round.
WATCH the video: The Best Gluten Free Cookies – 3 Ways
Here are the gluten free cookie Recipes from the video:
- Coconut Flour Shortbread Cookies
- No-Bake Chocolate Oatmeal Cookies
- Coconut Flour Chocolate Chip Cookies
More gluten-free cookie recipes:
- Tigernut Flour Cookies
- Flourless Chocolate Cookies
- Healthy Gingerbread Cookies
- Cinnamon Molasses Cookies
- Funfetti Cookies
- Chewy Cinnamon Cookies
- Coconut Flour Cookies


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Nov 11, 2015 . He told me that the very best fighting cocks came from the farm of the widow Wilson in . Informal self-built houses were built up the slopes.
Sabong is a cockfighting and gamefowl, gamecock portal. ... Building a chicken coop does not have to be tricky nor does it have to set you back a ton of scratch.
Smaller shocks, which suddenly set the hanging lamps swinging, occur very often .. As, however, the principal wants of the colony were imported from England and ... In the eastern portion of the Philippines, cock-fighting was unknown in the .. The gentle slopes of the hills are, as in Java, cut into terraces and used for.
Turnpike gates were set up near the foot of the new road to the village (fn. ... 128) At the Fence, on the slopes north of Mork brook, a similar settlement grew . in the early 19th century was a gathering for cockfighting held on Whit Monday until.
. black and white checkerboard uk · 4x8 sheets of wood that looks like decking . 3 tongue groove wood deck · installing fence on slopes in uk cockfighting.
Summary: For historical purposes only. Law has been repealed and/or replaced. The Cockfighting Act, 1952 makes it unlawful to have possession of any.
May 2, 2015 . Living in Thailand is great, but when the unexpected happens back in your home country it can throw you. In this episode we find ourselves in.
Mar 19, 2018 . Two men have been handed suspended jail sentences after they admitted forcing cockerels to fight to the death. Bill Ripley, 46, and Moses.
Mar 13, 2016 . Police have arrested 24 people involved in an alleged cockfighting ring in Massachusetts. Authorities were led to the home after acting on a tip.
May 9, 2009 . This is the "slippery slope" concept that has been alluded to several times in related threads. .. (Animal Asia also has offices located in UK, Germany, Italy, Hong Kong, .. I hope you will set a policy of not posting cock fighting .. At least one driver plowed through a wooden fence on the property.


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Trump vs Tech & Maple Syrup Mafia: VICE News Tonight Full Episode (HBO)
What do you think this Trump vs Tech & Maple Syrup Mafia: VICE News Tonight Full Episode (HBO) video?
This is the April 12, 2017 FULL EPISODE of VICE News Tonight on HBO.
VICE News Tonight travels to Somalia with a Canadian Somali doctor distributing aid to the drought-stricken town of Wajid.
Then, we go to Silicon Valley for the Tech Stands Up Protest. Silicon Valley is reeling after three government agencies issued statements threatening the H-1B visa program, which the industry relies on to recruit and retain foreign-born tech talent. Now, instead of aiming for jobs at Google or in academia, many foreign students are thinking of leaving the U.S.
Plus, a report on Quebec's maple syrup cartel, and the farmer who's fighting its control over producers.
Subscribe to VICE News here:bit.ly/Subscribe-to-VICE-News
Check out VICE News for more:vicenews.com
Follow VICE News here:
Twitter: twitter.com/vicenews
Tumblr: vicenews.tumblr.com/
Instagram: instagram.com/vicenews
More videos from the VICE network: www.fb.com/vicevideo


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Tag Archives: gym
At one time or another, we've all been there. Some of us still go often. Yet more of us go once each quarter but put "3x per week" on our dating profiles.
It's The Gym. Whether you patronize fancy-schmancy places like LA Fitness or that budget shithole Planet Fitness (like I do), the experience is largely the same – only the sartorial quality of the front desk staff, bathroom fixtures, and monthly payments vary significantly.
Unfortunately, the majority of that common experience is a frustrating one. There's almost zero upside to The Gym, actually… maybe a communal sense of progress and a synergy of motivation? Yeah, that's pushing it. It mostly sucks.


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Mid-term Erasmus+: what do national reports tell us?
Erasmus+ needs to have a bigger budget and be more inclusive, according to the Erasmus+ mid-term evaluation. Most countries agree on these issues and other key areas for improvement, but there are...Read more
Neth-ER: Erasmus+ needs a bigger budget to realise full potential!
Neth-ER argues that at least 2.5% of the EU budget should be dedicated to Erasmus+'s successor programme, with an absolute amount of at least 3 billion euro's per programme year. This is Neth-ER's...Read more
New Skills Agenda; a good start
The New Skills Agenda for Europe is a good step in addressing the skills gap and skills mismatch in Europe, but there are still some questions concerning the implementation. That is the general...Read more
Thyssen: New Skills Agenda aims to build bridges between education and labour market
With high (youth) unemployment throughout the continent and with a rapidly changing demand for skills, making sure people acquire the right skills is of utmost importance. To address these...Read more
Bussemaker: 'There is still much work to be done to improve the quality of education'
Building cognitive and social skills, combating radicalisation and coping with migration are the Presidency's key priorities for education, according to Jet Bussemaker, Dutch Minister for Education...Read more
Education institutes need to face security issues
The attacks in Paris and Copenhagen and most recently in Brussels have placed the issue of safety and security firmly on everyone's agenda, including on those of higher education institutes in...Read more
The Mind of the Universe
The Mind of the Universe is a unique open content knowledge public television and internet project to open up broadcasting for education and access to scientific output worldwide. This...Read more
Towards future proof higher education
Linking education to the outside world, the potential of digital technologies and preparing engaged citizens were the three main topics that the Presidency Conference 'The Future of Higher Eduction...Read more
How students can help tackle Europe's crises through value education
The shadow of war and conflict has returned to the European continent and education is key in dealing with this new era. Through education, European values can be spread and these values can help in...Read more


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Travis Llado is an engineer currently working in various fields of robotics research.
He is interested in ocean exploration and conservation, the application of robotics to real-world problems, adapting education policy to the ever changing needs of the modern world, and anything that involves him building things. This blog lists a few of his projects.
He is attempting to improve his online presence, so he also has GitLab, GrabCAD, and Youtube accounts that showcase other parts of his work.
You can contact Travis at
<his name ↑ >@travisllado.com


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View the latest Calgary real estate listings of Josh Hamilton & Associates below.
Josh Hamilton is here to assist you with his commitment to client care and deep knowledge of Calgary real estate. Whether you are looking to buy or sell Altadore, Elbow Park, North Glenmore Park real estate, and more, Josh and his team are always available to help. Call today!


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I have only been working with King Kong for 3 months, but their performance has been exceptional! In just a short amount of time, they have succeeded in getting our brand onto page 1 of Google for 100% of our keywords, which has increased the traffic to our website, resulting in increased conversions and a 100% increase in sales! Not only do King Kong strive to give you the results you need, but their team are passionate, King Kong highly knowledgeable/skilled, and are a fantastic company to work with! Anything you need, they're there to give you a helping hand, support and advice whenever you need it.
Category: King Kong
King Kong
King Kong is the unfair advantage. They really know their stuff and delivered results way above our expectation. As long as your not our competition, we highly recommend. King Kong got the penalty removed and has pushed our rankings to the top of page one of Google for our most competitive searches. In addition to this: our business is up 20% since last year, so I want to thank King Kong for helping us achieve that. We would highly recommend using them to get your business where you need to go!


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Vegan Baked Beans and Franks
We veganized this oldie-but-goodie for all your cookout cravings.
Serves 2
What you need:
1 can vegetarian baked beans
3 vegan hot dogs
2 cups of sauerkraut
Mustard to taste
What you do:
Heat the beans and hot dogs in a pot. Add a tablespoon (or more) of mustard. Serve over sauerkraut.
Photo by Hannah Kaminsky
Want more of today's best plant-based news, recipes, and lifestyle?
Get our award-winning magazine!


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Scripture: Sanctify Christ as Lord in your hearts, always being ready to make a defense to everyone who asks you to give an account for the hope that is in you, yet with gentleness and reverence;. (1 Peter 3:15)
I thank Christ Jesus our Lord, who has strengthened me, because He considered me faithful, putting me into service, 13 even though I was formerly a blasphemer and a persecutor and a violent aggressor. Yet I was shown mercy because I acted ignorantly in unbelief; (1 Timothy 1:12-13)
Peter *said to Him, "Never shall You wash my feet!" Jesus answered him, "If I do not wash you, you have no part with Me." (John 13:8)
Submit therefore to God. Resist the devil and he will flee from you. Draw near to God and He will draw near to you. (James 4:7-8)
Then the Lord God called to Adam, and said to him, "Where are you?" (Genesis 3:9) The Lord said to Satan, "Have you considered My servant Job? (Job 1:8a)
Now in Joppa there was a disciple named Tabitha (which translated in Greek is called Dorcas); this woman was abounding with deeds of kindness and charity which she continually did. (Acts 9:36)
And suddenly there came from heaven a noise like a violent rushing wind, and it filled the whole (Acts 2:2). And they were all filled with the Holy Spirit and began to speak with other tongues, as the Spirit was giving them utterance (Acts 2:4). Then Peter, filled with the Holy Spirit, said to them, […]
2 Peter 3:14 Therefore, beloved, since you look for these things, be diligent to be found by Him in peace, spotless and blameless,.
Job 13:15 Though He slay me, yet will I trust Him. Even so, I will defend my own ways before Him.
1 Peter 3:7 You husbands in the same way, live with your wives in an understanding way, as a weaker vessel, since she is a woman; and show her honor as a fellow heir of the grace of life, so that your prayers will not be hindered


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Why Earnings Beat is Less Likely for BlackRock (BLK) in Q3
BlackRock, Inc. BLK is slated to report third-quarter 2019 results on Oct 15, before the opening bell. While its revenues for the to-be-reported quarter are projected to improve year over year, earnings are expected to witness a decline.
In the last reported quarter, the company's earnings lagged the Zacks Consensus Estimate. Results were hurt by a decline in revenues as well as higher expenses. However, growth in assets under management (AUM) supported results to some extent.
The company does not have an impressive earnings surprise history. Its earnings surpassed the Zacks Consensus Estimate in two of the trailing four quarters, the average beat being 2.3%.
BlackRock, Inc. Price and EPS Surprise
BlackRock, Inc. price-eps-surprise | BlackRock, Inc. Quote
Moreover, BlackRock's business activities and prospects in the third quarter did not encourage analysts to revise earnings estimates upward. The Zacks Consensus Estimate for its earnings of $6.97 has moved down 1.4% over the past 30 days. The figure indicates a decline of 7.3% from the year-ago quarter's reported figure.
Before we take a look at what our quantitative model predicts, let's discuss the factors that are likely to have impacted third-quarter results.
Factors to Influence Q3 Results
BlackRock remains a dominant player in the ETF market, given its continued investments in the U.S. iShare core ETFs. Moreover, as investors are increasing allocations toward ETFs instead of alternative investments to reduce management costs, the company's iShares inflows are expected to have remained strong in the third quarter. Thus, driven by steady inflows, BlackRock's total AUM is likely to have improved in the to-be-reported quarter.
Supported by the expected increase in assets during the third quarter along with the company's efforts to strengthen the iShares and ETF operations, and its increased focus on active equity business; revenues are expected to have improved in the third quarter.
The consensus estimate for sales for the third quarter is pegged at $3.74 billion, which suggests rise of 4.6% from the prior-year quarter's reported number.
However, BlackRock might have witnessed an increase in costs in the third quarter. The company's expenses have remained elevated over the last few years. In fact, higher general and administration costs along with its plans of improving product offerings may have resulted in an increase in expenses in the quarter.
Earnings Whispers
According to our quantitative model, chances of BlackRock beating the Zacks Consensus Estimate in the third quarter are low. This is because it does not have the right combination of the two key ingredients — a positive Earnings ESP and a Zacks Rank #3 (Hold) or better — which is required to be confident of an earnings surprise call.
You can uncover the best stocks to buy or sell before they're reported with our Earnings ESP Filter.
Earnings ESP: The Earnings ESP for BlackRock is -1.06%.
Zacks Rank: BlackRock currently carries a Zacks Rank #3. While this increases the predictive power of ESP, we also need a positive ESP to be confident of an earnings surprise call.
Stocks Worth a Look
Here are some finance stocks that you may want to consider as these have the right combination of elements to post an earnings beat this quarter, per our model.
Sallie Mae SLM has an Earnings ESP of +24.09% and sports a Zacks Rank #1 (Strong Buy) at present. The company is slated to release results on Oct 23.
Federated Investors, Inc FII is slated to release results on Oct 24. It currently has an Earnings ESP of +0.75% and a Zacks Rank #3.
Cigna Corporation CI is slated to release results on Oct 31. It presently has an Earnings ESP of +1.53% and a Zacks Rank #2 (Buy). You can see the complete list of today's Zacks #1 Rank stocks here.
Looking for Stocks with Skyrocketing Upside?
Zacks has just released a Special Report on the booming investment opportunities of legal marijuana.
Ignited by new referendums and legislation, this industry is expected to blast from an already robust $6.7 billion to $20.2 billion in 2021. Early investors stand to make a killing, but you have to be ready to act and know just where to look.
See the pot trades we're targeting>>
Click to get this free report
SLM Corporation (SLM): Free Stock Analysis Report
Federated Investors, Inc. (FII): Free Stock Analysis Report
BlackRock, Inc. (BLK): Free Stock Analysis Report
Cigna Corporation (CI): Free Stock Analysis Report
To read this article on Zacks.com click here.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.


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There are several recent developments that indicate the Green Party is getting the increased stature that we all would like to see.
The Federal Elections Commission has recognized that Green Senate Campaign Committee. Comments by commoner1.
Chlorophyll discussion of the 2008 Presidential Race.
The Huffington Post political blog site has a Green Party section on it.
I note that Cynthia McKinney has been announced as a speaker for the Green Party California Strategic Retreat, February 23-25. I know that she has been approached before, but has consistently ended up by staying in the Democratic Party. I would think that she would have to be totally convinced that she has no future as a Democrat before she would make this jump. Still this meeting is being sponsored by the GPCA Campaign and Candidates Working Group, so that might mean something. California has the largest Green Party registration and has a large influence on the ultimate choice.
There is also the perennial discussion as to whether or not Nader will run yet again. Nothing said or not but a Nader 2008 tee shirts and coffee mugs are all over the internet.
The Green Party of the United State will hold it's national meeting in Reading, PA this coming July. The big question will be the one of what to do about a Presidential Campaign in 2008.
With Pete Camejo undergoing treatment for cancer and David Cobb having said that he is not running again this time the field is wide open for someone if the Party chooses to have a candidate. I might support a Cynthia McKinney or a Dennis Kucinich, but only if they were to renounce the Democratic Party and register as a Green in their home state.


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ICC World Cup 2019"
- World Cup 2019 win not fair: Eoin Morgan
England Captain Eoin Morgan admitted that the process of selecting a winner in the World Cup 2019 was not fair and he is not happy with a win like that. England and New Zealand played out a match that was tied twice - first in regular play and then in the Super Over - and Morgan's side won the title on the basis of their superior tally of boundaries in the match.ICC reacts to overthrow conflict in ICC World Cup 2019 final
Days after many raised eyebrows on extra overthrow run credited to England's account, the International Cricket Council (ICC) finally spoke out over the controversy during the recently concluded New Zealand vs England Final World Cup 2019 game at Lord's Cricket Ground in London.Split captaincy an option for Rohit Sharma and Virat Kohli: BCCI
With India exiting from the ICC World Cup 2019 without the cup, there are many departments that are being analysed to figure out a way out from the loopholes pertaining in the team. The BCCI is now discussing the idea of split captaincy between Rohit Sharma and Virat Kohli.England lifts the world cup amid sensational drama against New Zealand
In the end, it was England who became the world champions by lifting the ICC World Cup 2019 trophy amid a lot of sensational drama folding the match to a tie, then tie in super-over too. It doesn't get closer than this, beating a side on the number of boundaries hit in the innings.Report of rift in team India emerges
Just a couple of days have passed when India had to face defeat in the semi-final game of ICC Cricket World Cup 2019 against New Zealand, a news report has stated that the team is divided into two faction one that supports captain Virat Kohli and the other owing its allegiance to his deputy Rohit Sharma, but there is no division in the team.Mahendra Singh Dhoni's retirement is his personal decision: Sachin Tendulkar
Cricket god Sachin Tendulkar batted for Mahendra Singh Dhoni and said he must be given that space where he could choose if he wants to get retired from the Indian cricket."Legends don't cry": India tells MS Dhoni after he was spotted crying
Twitter lost its cool when Mahendra Singh Dhoni aka Mr. Cool was spotted walking out of the ground with crying face during the India vs New Zealand semi-final game at ICC Cricket World Cup 2019.Fans raise question on umpiring during MS Dhoni's runout
Team India's fight for the ICC Cricket World Cup 2019 final against New Zealand nearly came to end as Mahendra Singh Dhoni got runout in the second last over.Wins or losses part of life: PM Modi's heartfelt message on World Cup 2019 defeat
Indian fans were left heartbroken with the results of semi-final game against New Zealand in the ICC Cricket World Cup 2019. Every Indian fan wanted his side to win the game, leading to a flood of emotions on social media.ICC World Cup 2019: 'Technical Blunder' to send MS Dhoni at No 7 in semi-final against New Zealand
Former Indian cricketers Sourav Ganguly and VVS Laxman raised their fingers on management's decision to send Mahendra Singh Dhoni at No 7 during a difficult chase against New Zealand in the semi-final game of ICC Cricket World Cup 2019.Top Stories


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Joe McGlinchy
Research Interests
Joe McGlinchy is a remote sensing scientist at University of Colorado - Boulder with the Earth Lab's Analytics Hub. He has a BS in Electrical Engineering from the University of Akron and a MS in Imaging Science from the Rochester Institute of Technology. Before joining Earth Lab, Joe was an imagery scientist in Esri's Professional Services group where he focused on data fusion using active and passive remotely sensed data with applications in feature extraction and change detection. Joe's current research interests are in the use and application of multi-modal, multi-scale, and multi-temporal remote sensing data, along with computer vision and deep learning techniques, as applied in the fields of urban and natural change, feature detection, disaster response, and environmental monitoring.


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Dog golems, astronaut dreams, and Saturday morning cartoons in this week's Top 5 MN music videos
Voting for Picked to Click opened this week.
People put varying amounts of stock into City Pages' annual Rookie of the Year competition, but if you're into fantasy football, you understand how much fun it can be.
P2C doesn't guarantee a record deal. Shit, it probably won't even earn you a headlining gig at First Ave. But that's not the point, really. Competition can be fun, and pitting the newest, more enticing acts in the local scene against each other is a great way to inject some levity into the come-up.
Keep that in mind when you're filling out your ballot. It doesn't have to be gospel. You can settle for a what looks good on that week's lineup.
The Von Tramps – "My Mom Told Me Life Would Suck (But Not This Much)" (PREMIERE)
In 2018, punk love might not be enough, but The Von Tramps are hoping it'll be enough to get them by for a while. And their new song/video "My Mom Told Me Life Would Suck (But Not This Much)" hopes for so much more. Paul von Stoetzel of Killing Joke Films directs the action as a pantsuited woman tries to understand her spike-headed son. Though the two seem world apart, they ultimately come to the understanding that they each have to cope in their own way. The song comes from The Von Tramps' latest album, The Future Is Female.
OKnice – "Back to Good"
On September 27, OKnice will release his new record I'm Here but I'm Not, but until then, the Minneapolis rapper is holed up in his apartment distracting himself with cartoons. "Bak to Good" finds OKnice at home trying to deal with the violence, racism, and income inequality at work in his world. He's ultimately unable to find any peace in his television or alcohol, and so he turns to his art, which serves as the only savior. Kevin Vogel of Aim North Photography directs the discontent.
Silt – "Rats on Smog"
A little bit of alchemy goes a long way. For Minneapolis garage rock band Silt, it means turning a carving of a spaniel into a drummer. As we see in their new video for "Rats on Smog," the dark science pays off, as the band is rewarded with a Wilfred-looking percussionist who keeps apace with their thrashing, though that success is ultimately short term. Director Lita Peach's vision is ultimately one of doom, and the protagonists learn the hard way not to manipulate nature for their own hardcore gains.
Sender's Dream – "The Go Ahead"
Wanna be an astronaut? Well, no one is going to green light your mission to the stars, so you'd better get going yourself. That's what songwriter Dan Hylton and producer Pat Gibbons, collectively known as Sender's Dream , are encouraging with their debut single "The Go Ahead." If you like this jaunty message of self-determinism and astral exploration, you'll have to enjoy it in the form of Waqar Afzal's animation, because Sender's Dream does not perform live.
Gabe Barnett and Them Rounders – "Rental Agreement"
Gabe Barnett and Them Rounders aren't debuting an album or a single in their new video "Rental Agreement"; they're debuting their new drummer, Kyle Berman. To illustrate exactly what Berman brings to the band, they decided to release a video of their live performance of "Rental Agreement" at the 331 Club. It's a chaotic, cacophonous recording, full of eager anti-capitalist energy. Berman is ready to freak out the landlords with Barnett and the rest of his reavers.
Dream of seeing your video appear in Local Frames? Email writer Jerard Fagerberg at [email protected]


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Enquiry No. : A-37433 (Ghaziabad)
Description :We have been working as a distributor of ladies garments for the last 15 years and our turnover is around 50 lakhs per year. We are willing to increase our business so we are ready to take Distributorship of Garments and Handbags. We own an office area 500 sq.ft. and 2 sales person for running our business smoothly. We are ready to invest 2 lakhs initially. If you are interested in doing business with us kindly contact.
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• #1
Part of my clearout, here we have my old racing bike, a Specialized Langster built with the following:
- Miche Primato wheelset w/ sealed bearing hubs
- Stronglight 165mm crankset
- Specialized Saddle
- Specialized Stem 90mm
- Specialized handlebars 40cm wide
- Planet x seatpost
- FSA brake caliper
Quite lightweight and has a whole load of life left. I built this up for my misses to ride fixed but it never happened.
Collection can be arranged from either Stratford, Plaistow or Islington. No posting I'm afraid. Open to offers, please contact for questions, etc.
3 Attachments
- Miche Primato wheelset w/ sealed bearing hubs
• #2
More pictures
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• #3
Dibs. But will you ship to France? If not at least I tried
• #4
Sugar, sorry man, afraid not, completely forgot to put down collection details.
• #5
Alright! Glws
• #6
Adding some more pictures from its more glamorous days! <3
2 Attachments
• #7
Tuesday price drop - £10 off
• #8
Good price!
Random, I think I took a pic of you at red hook crit a few years back - or someone who looks a hell of a lot like you...
I'm actually interested in the Langster too if it is still available- don't suppose pedals are included?
• #9
Dibs if it's still available!
• #10
Hahahaa, yes that is me! :D What a horrible day that was but still, an incredible event! :)
And yes, everything in the picture par the dog.
PM Coming your way,
• #11
Bargain. This is a 2010 btw.
• #12
Hey I could be interested in this too :)
• #13
Thank you @bikes_knob :)
@Ronnie and @tcw please pm me if you want to discuss.
I am moving out super soon so would be grateful, thank you!
• #14
Dibs pending collection time. I can get there for about 6-7 pm but need confirmation as it's a long drive for me. Possibly tomorrow best now depending on how soon I get reply. Thanks.
• #15
8 days ago 🤔 then says a dibs 3 days ago beats me.
• #16
Couldn't upload photo of deal arranged a week ago. Good luck everyone.
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• #17
Darren, I can understand your frustration. I can only apologise. We had a deal for last Friday (6th) but you bailed on me due to some personal things. I accepted it and told you I will wait, bearing in mind that at the time, no one had dibs on the bike and we were merely messaging. Now, after the weekend, someone else dibs on it. That isn't my fault.
I believe it to be forum rules that if someone dibs on something that they have priority. Please, someone, tell me if I am wrong.
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• #18
Your words:
I understand you will have to let it go if someone else comes with cash
Don't think you needed to air this out on the thread, things happen you delayed he found someone else.
• #19
Hey, no hard feelings, I was just pissed off because I'd been waiting for reply's since weekend, seller just went quiet when I was willing to come and collect. Get on with it lol.
• #20
Let's be realistic though cash > dibs and pm's
• #21
Unfortunately, this has now sold. Sorry to all who dibs'd.


text: Rich colors combined with lush textures are the foundations of Feizy's Alexandra Collection. Each design reflects the enthusiasm for the past with classic patterns re-created in dazzling palettes. This groupings unique designs are inherited from the great weaving cultures of the Middle East and lend a dramatic yet elegant feel to any environment.Construction: Hand TuftedContent: 100% Wool PileOrigin: India *Made By Hand*High Traffic*PlushView options for available sizes & please allow up to 10 days for shipping.


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In 2012, up to $100,000 of grants will be awarded ranging from $2,500 to $20,000 per recipient. Awards will be announced at the ASDS Annual Meeting, October 11-14, 2012, in Atlanta, Georgia.
Research must be of specific relevance to dermatologic surgery and/or cutaneous oncology. This is a competitive award program for research projects not funded by other sources. This year, the ASDS Research Work Group has made a special request for investigator research into:
The Cutting Edge Research Grant Program unites education and innovation to encourage and stimulate clinical research and the transfer of new technologies from the research settings to surgical practice. Since 2000, the ASDS has awarded over $940,000 in clinical research funding in surgical oncology, lasers, botulinum toxins, fillers, liposuction and other cosmetic procedures.
Award Descriptions
The ASDS Research Work Group encourages submission of well-conceived research projects which stimulate the advancement of the practice of dermatologic surgery, the invention of new technologies, or research projects which document the outstanding and high volume work of dermatologic surgeons.
Up to $100,000 in funding will be awarded by the ASDS Research Work Group ranging in amounts from $2,500 - $20,000. Grants will be selected based on meeting the eligibility requirements and qualifications. Additionally, the Research Work Group will use the following criteria in its determination of awards:
Monies will be distributed in three installments to the sponsoring institution. Institutions or practices may submit only one application for consideration; multiple applications will automatically be rejected. This is a competitive award program for research projects not funded by other sources. The applicant retains ownership of intellectual property resulting from the clinical research funded by the ASDS.
Eligibility, Guidelines and Application Materials
Research Tools and Resources
Supported by generous contributions to the ASDS Dermasurgery Advancement Fund by our members and industry partners, the Cutting Edge Research Grant (CERG) program has been a resounding success for our Society and members. In 2012, grants ranging from $2,500 - $20,000 will be awarded again in order to stimulate a broad scope of research relevant to dermatologic surgeons and the dermatology specialty at-large.
The deadline for the 2012 Cutting Edge Research Grant program is July 9, 2012.
Research Work Group
Jeffrey A. Klein, MD Chair
Leonard H. Goldberg, MD
David H. McDaniel, MD
Hayes B. Gladstone, MD
Jeffrey S. Orringer, MD
Suzan Obagi, MD
Khalilullah A. Khatri, MD
Edit B. Olasz, MD
Robert J. Sage, MD
Phillip M. Williford, MD
About the Society
The American Society for Dermatologic Surgery (ASDS) was founded in 1970 to promote excellence in the subspecialty of dermatologic surgery and to foster the highest standards of patient care. The Society supports continuing education and training of its members, public information and community outreach programs relating to dermatologic surgery and this grant program.
For more information
Applicants with questions regarding the application process or the Cutting Edge Research Grant Program, in general, should contact the ASDS office.
Vanessa Spinnato
Education Programs Manager
American Society for Dermatologic Surgery
5550 Meadowbrook Drive, Suite 120
Rolling Meadows, IL 60008
Phone: 847-956-9124
Fax: 847-956-0999
Email applications to: firstname.lastname@example.com
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Share & Care Egypt : rapid and widespread progress
Launched in Egypt in 2013, the L'Oréal Share & Care programme continues to make progress. In 2018, L'Oréal Egypt implemented all the measures designed to promote employee health and welfare. Firstly, the company enabled all its employees to gain access to full medical cover or health check-ups. L'Oréal Egypt also organised multiple prevention initiatives on varied and important topics for employees, such as work-related stress and breast cancer. In terms of parenthood, paid maternity leave has risen from 13 to 14 weeks, and there is improved access to crèche facilities. Bassant Zeitoun has worked with L'Oréal Egypt since 2010 in the Professional Products department: "After returning to work after both my periods of maternity leave, I benefited from tangible support and help in pursuing my career while maintaining a balance between my professional life and my life as a mother."


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BPCL (Bharat Petroleum Corporation Limited) invites online application for the posts of CSR Professionals on Fixed Term Contract (FTC). The commencement of an online application is 31st July-2019. Interested candidates may apply for this post before the closing date, i.e. 23rd August
Important Dates & Details for BPCL CSR
|Post Name
|CSR Professionals
|Indicative Vacancies
|Upper Age Limit
|35 Years
|Pay Scale
|06 to 10 lakh (Per Annum)
|Starting Date for Submission of Online Application
|31st July 2019
|Last Date for Submission of Online Application
|23rd August 2019
|Detail Advertisement Link
|Apply Online
|Official Website
Eligibility Criteria for BPCL CSR Vacancy
Educational Qualification
- Candidates must have two years Post Graduate Degree or Masters in the field of Social Science with specialization in Water Resource Management, Health & Hygiene, Nutrition, Education, Skill Development, Community Development or other fields from Institutions / Colleges / Universities/ Deemed Universities duly recognized by AICTE/UGC with a minimum of 60% in aggregate percentage or equivalent CGPA & above. For SC / ST / PWD categories, minimum of 50% required in relevant fields.
- Candidates should have qualifying degree in the first attempt with no drops/ gaps in between the course.
- Candidates must have certificates above mentioned at the time of interview.
Work Experience
Applicants must have a minimum of 5 years of post-qualification relevant work-experience in projects relates to Water Resource Management, Health & Hygiene, Nutrition, Education, Skill Development, Community Development or any other fields specified in Schedule VII of The Companies Act, 2013 under State/Central govt. /through agencies or NGOs etc.
Desired Skills
- Candidates must have in-depth knowledge of the social development sector.
- Applicants must possess an extensive network with social work practitioners, Corporate Social Responsibility (CSR) experts and demonstrated participation in industry associations.
- Strong written and verbal communication skills and track record of managing multistakeholder initiatives that drive client and community engagement.
- Candidates can establish and maintain effective relationships with partner organisations and ministry.
- Analytical, evaluative, creative and effective project management skills are required.
- Candidates should have knowledge of Microsoft tools (Word, Excel, Powerpoint etc.) & multiple languages.
- Experience of working independently and as a part of the team.
- Ability to influence & obtain cooperation from multidisciplinary and cross-functional teams at different levels.
Age Relaxation
- Scheduled Caste/Scheduled Tribe – 5 Years
- OBC – 3 Years
- Person with Disability (PWD) – For PWD SC/ST-15 Years, PWD OBC -13 Years, PWD GEN/EWS -10 Years.
- Candidates domiciled in Jammu & Kashmir between 1.1.1980 and 31.12.1989 – 5 Years
- Ex-servicemen & Commissioned Officers (including ECOs & SSCOs, subject to rendering minimum five years military service and fulfilment of other conditions prescribed by Govt of India) – 5 years


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BCCI to propose holding all Ranji Trophy games at neutral venues
At a time when criticism against poor surfaces in Ranji Trophy has been getting louder, the BCCI is planning to conduct all matches at neutral venues.cricket Updated: Jan 02, 2016 09:39 IST
'Home advantage', which has played a significant part in domestic cricket, could be a thing of the past.
At a time when criticism against poor surfaces in Ranji Trophy has been getting louder, the BCCI is planning to conduct all matches at neutral venues.
"I am going to propose that all Ranji matches should be at neutral venues at the next captains' and coaches' meeting. Let us see what their view is. I feel that domestic cricket should be played on competitive pitches. We will propose this at the working committee meeting also," Anurag Thakur, BCCI secretary, told HT.
Currently, matches from the quarterfinal stage of the Ranji Trophy are played at neutral venues.
Of the 108 matches played so far this season, nine finished inside two days while 17 ended on the third day. Spinners have had the last laugh on underprepared pitches, as hosts won 36 matches and earned a first-innings lead in a majority of the games.
Pitches have come under tremendous scrutiny because of criticism from former players.
Recently, former India captain Rahul Dravid said Ranji Trophy's purpose was not only to decide a winner. It also had the responsibility of preparing cricketers for the international stage. "If we keep playing on bad wickets like these, we are not going to produce good cricketers," he had said.
Earlier, there was a view that matches should be played at local venues so that cricket lovers could come to the stadium to cheer their teams. But with matches being played in front of empty stands, the BCCI has had to do a rethink.
There have been instances of the host captain or team management pressurising curators to prepare pitches suited to their strategy, and sometimes they are forced to change the nature of the pitch just days before a match.
BCCI guidelines for pitch preparation are clear but they are not yielding results because captains want to gain a first-innings lead at any cost.
There is hardly any deterrent as the BCCI punishing a captain for such actions is yet to come to knowledge.
Get Latest Cricket Updates, Live scores and Top news on HT Cricket.