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The Insurance Authority seeks to promote the competitiveness and role of the Insurance Sector in the UAE
By Jenan Mohammed - Emirates News Agency (WAM)
Abu Dhabi, 30 November 2015: The Insurance Authority (IA) recorded
excellent results in 2015 that contributed to increasing the growth of the
insurance business in the State and promoted the competitiveness of the UAE
insurance market and its leading role in the region.
The IA's strategy aims at building an insurance
sector with a high level of professionalism and competitiveness and making the
UAE insurance market an exemplary model in the Middle East and North Africa in
order to increase the contribution of the sector in the GDP of the UAE and
promote the growth and competitiveness of the national economy.
All analytical studies and forecast depict a bright
image of the future of the insurance sector in parallel with the steady and
continuous growth of the national economy.
Such studies are based on the positive indicators
achieved by the insurance sector in all areas and the ongoing growth in demand
for the insurance products in the local market, in addition to the growing spending,
development projects, economic plans, and events hosted by the State in the
forthcoming years.
The IA of the UAE was keen to issue legislations to
promote the insurance sector in terms of the legal and regulatory aspects and
financial and technical foundations, including the financial instructions for
the traditional and Takaful insurance companies, which gave the UAE precedence
in the Middle East in creating legislative and regulatory rules as per the best
international practices relating to financial solvency, investment bases and
technical provision calculation bases, which enhance the financial structures
of the companies and protect them from potential risks in order to become sturdy
financial economic entities capable of competing internationally.
The volume of written premiums in all insurance
classes in the UAE has risen during 2014 at 13.5%. Such
premiums remarkably grew during 2010-2014 at an annual compound rate of 11% amounting
to AED 33.5 billion.
The written premiums in the insurance of persons
and fund accumulation operations amounted to AED 8.6 billion whereas the share
of the national companies recorded 18.6% and the share of foreign companies was
The total written premiums in the property and
liability insurance classes amounted to AED 24.9 billion with the share of
national companies thereof amounting to 75.1% and the share of foreign
companies amounting to 24.9%. The ratio
of retention of the written premiums in the property and liability insurance
classes by the national insurance companies amounted to 54.9%.
The written premiums in the property and liability
insurance classes amounted to AED23.9 billion while indemnities payable to the
property and liability insurance classes before deducting the reinsurers' share
amounted to AED18 billion. The claims ratio for the property and liability
insurance classes before deducting the reinsurers' share amounted to 75.3% in
2014 compared to 67.2% in 2013.
Total technical reserves in the insurance of
persons and fund accumulation operations amounted to AED15 billion and AED10.5
billion for property and liability insurance.
Funds invested in the
sector grew in 2014 at 3.2% and grew in 2010-2014 at an annual compound rate of
10% recording AED39 billion which indicates the importance of such sector and
its vital role in the national economy. Shareholders' equity in the national insurance
companies amounted to AED19.8 billion, rising at 13.1% as compared to 2013.
The number of companies registered with the IA amounted
to 60 insurance companies until the end of 2014, including 34 national
insurance companies and 26 foreign insurance companies.
The number of companies that practice all insurance
classes, insurance of persons and fund accumulation operations, and property
and liability insurance amounted to 11 national companies and 2 foreign
companies. The number of companies that practice property and liability insurance
classes only amounted to 20 national companies and 17 foreign companies. The
number of insurance companies that practice insurance of persons and fund
accumulation operations amounted to 2 national companies and 8 foreign
companies. The number of companies that practice exports credit insurance amounted
to 1 national company while the number of companies that practice Takaful
insurance system amounted to 11 national companies.
The number of insurance agents amounted to 21 and
the number of insurance brokers amounted to 164, including 159 national brokers
and 5 foreign brokers. The number of insurance consultants amounted to 22
and the number of loss surveyors and damage adjusters amounted to 72. The
number of actuaries amounted to 43 and the number of TPA companies amounted to
The IA works to support the legislative base of the
regulation of the UAE insurance sector and promote the performance of the local
insurance market and the entities operating therein based on solid legal,
technical, and financial foundations and enhance the competitiveness of the
sector at the regional and international levels as per the best practices prevailing
May be the most prominent achievement in this area
is represented in the issuance by the IA of the financial instructions for the
insurance companies and the financial instructions for the Takaful companies,
which regulate the financial, technical, investment, and accounting activities
of the traditional and Takaful insurance companies operating in the State with
the objective of protecting the insurance policyholders and shareholders of the
insurance companies alike and protecting the companies themselves from the
risks that may face them in the future.
The financial instructions include seven key regulatory
chapters: Bases of investing the rights
of policyholders, solvency margin, minimum guarantee amount, bases of
calculating technical provisions, determining the company's assets
corresponding to the insurance liabilities arising therefrom, instructions
regarding the records that the company must organize and maintain and the data
that must be provided to the IA, and principles of organizing the accounting
books and records, identifying the data that should be included and the
accounting policies and procedures that should be adopted.
By the issuance of these instructions, the UAE has
become the first country in the Middle East that adopts the latest financial
solvency requirements following the steps of the European model. International best legislative practices were
adopted in drafting these instructions to facilitate their application on the
one hand and control over them on the other hand.
The IA further issued Resolution No. 20 of 2014 amending
some provisions of the IA Board Decision No. 15 of 2013 concerning Insurance
Brokerage Regulations.
Currently, the IA is drafting a number of other
legislations including the draft amendments to the two motor insurance policies
which include the unified motor insurance policy against loss, damage, and
liability. The first chapter is related to loss and damage and in this case the
insurance company indemnifies the insured for the loss and damage sustained by
the insured vehicle and its accessories and spare parts while they are attached
thereto. The second chapter is related to the civil liability policy whereas in
case of any accident arising from the use of the insured vehicle the insurance
company shall indemnify the insured within the limits of its liability stated
in the policy for all the amounts which the insured is legally obliged to pay in
capacity of an indemnity for the death or any injury of any individual
including the passengers as well as the damage that occurs to the items and
properties with limited exceptions.
The amendment of both policies comes in line with
the position of the motor insurance in the operations of the insurance
companies and the activity of the insurance market in general whereas the motor
insurance premiums rose during the last years to an estimated value of AED5.6
billion representing 22.6%.
The IA is also working on the draft amendments to
the IA establishing law, draft instructions to regulate the Actuary profession,
and draft instructions on marketing insurance policies through banks, which
will released soon.
The IA assumes a supervisory and regulatory role over
the insurance companies and insurance-related professions to ensure the proper regulation
of and oversight over the insurance sector as well as ensuring compliance with
the relevant legislations and integrity of the technical and financial
positions of the companies and insurance-related professions. In this context, the number of complaints
received by the IA from policyholders and insurance beneficiaries against
insurance companies and insurance-related professions during the first eight
months of 2015 amounted to 2042 complaints; with 1945 complaints solved representing
a rate of 95.2%.
Such complaints covered various sectors, including
1841 complaints related to the motor insurance sector at rate of 90%, 86 complaints
related to the health insurance at rate of 4%, 26 complaints related to the
property insurance, and 32 complaints related to the life insurance sector in
addition to 2 complaints related the maritime insurance and the remaining 55
complaints are related to other insurance fields.
The number of complaints received by the IA in 2014
amounted to 2276. 2196 complaints were solved, representing a
rate of 96.5%.
In the area of inspection tours in 2014, the IA carried
out field inspection on 100 insurance companies and insurance-related
The network of external relations of the IA
remarkably expanded during 2015 both in the State and abroad by the signing of
memoranda of cooperation and understanding (MOU) and organization of
conferences and meetings aiming at promoting and developing the UAE insurance
market. Further, the IA took part in the
official meetings of the authorities and organizations supervising insurance at
the Arab, Islamic, and international levels as well as conferences and forums
specialized in the insurance and finance fields in different parts of the world.
Locally, MOUs and agreements were signed in 2015
with the Ministry of Labor, Abu Dhabi Securities Exchange, Emirates Identity
Authority, Emirates Transport, and Dubai Trade. In 2014, the IA signed 4 MOUs
with federal and local entities.
At the foreign level, in 2014 the IA signed a MOU
with the Korean Financial Supervisory Service (FSS) on the insurance field and
the Asian Competitiveness Institute in Singapore.
In the field of international conferences, the IA
organized the Islamic Insurance Conference on the 8th and 9th of March 2015 in
Abu Dhabi under the auspices of H.H. Sheikh Mansour
bin Zayed Al Nahyan, Deputy
Prime Minister and Minister of Presidential Affairs. The conference was
attended by around 400 persons of the decision makers, stakeholders, and
experts specialized in insurance and the jurisprudence of Islamic financial
dealings with the objective of identifying the reality of the Islamic insurance
industry and setting a comprehensive perspective about its future in a manner
to ensure developing the Shariah and legal rules of the Islamic insurance
business toward the sustainable growth of the Islamic insurance companies and
the international Takaful markets.
In the conclusion of the conference, the
participants asserted the importance of boosting the Shariah and technical
legal regulations to develop the rules of Islamic insurance and reinforce the
Takaful industry as well as the
importance of cooperation among the supervisory entities and the financial and
Shariah boards with the objective of overcoming the challenges facing the
Islamic insurance companies to increase their contribution rates in the
insurance sector and the domestic product of the state economies and seek to
form a supreme Shariah fatwa and supervisory commission in the countries where
Takaful insurance is practiced to standardize the general Shariah controls and
standards of the Takaful insurance business.
The participants emphasized the importance of
developing the Takaful insurance regulations in a manner to allow setting a
regulation that organizes the contribution of those participating in the
supervision and control over the business of the Takaful insurance companies to
be binding to everyone. They indicated that issuing a law for the governance of
the Takaful insurance companies will guarantee the rights of all the Takaful
operation parties, emphasize its benefits, and enhance transparency as per the
best international practices.
Further, they called to have an international
Takaful insurance law in place to achieve a quantum leap and sustainable growth
at the level of the Takaful industry and promoting means of awareness and
promotion of the Takaful culture in a manner to serve the interests of all
parties. They also called for holding such conferences continuously as their
results serve the Takaful insurance industry locally and internationally.
In December 2014, the IA organized a brainstorming
session in Cairo for the Arab insurance supervisory authorities and the Arab Insurance Federation to promote the Arab
insurance industry.
The IA is keen to promote insurance awareness of
the policyholders and the public with the objective of boosting the
competitiveness of the local insurance market, upgrade it, and secure insurance
protection for the policyholders and beneficiaries.
In this area, the IA launched many awareness
campaigns, including an extensive campaign as part of its first participation
at GITEX technology exhibition in Abu Dhabi during October 2015, in addition to
the participation in the community awareness exhibitions held in Abu Dhabi
during October 2015 and Sharjah Exhibition during April 2015.
The IA organized an awareness campaign in Abu Dhabi
"Marina Mall Center", Sorbonne University Abu
Dhabi, and Expo Centre Sharjah. The IA also participated at the Gulf Traffic
Week 2015 in Abu Dhabi and the Gulf Exhibition 15 in Sharjah which included
informing the policyholders and the public with their insurance rights and
financial and technical liabilities.
Further, four awareness and educational campaigns
were organized for the public in general and some of them were related to the
motor insurance, health insurance, and means of safe dealing with the insurance
During 2015, the IA accomplished several
achievements seen as exceptional in the field of institutional development and
governmental excellence. The IA managed
to obtain the international accreditation certificate "ISO" so that the IA's work
is carried out pursuant to approved methodological work procedures at the level
of all the departments and offices.
In the area of services provided to the customers,
the procedures related to the licensing and registration of the insurance
companies and the insurance-related professions were completed with the
affiliated branches. Four training courses and workshops specialized in
insurance were organized for the personnel of the insurance companies and
insurance-related professions and personnel of the sector in general including a
workshop on the role of actuaries in developing the insurance sector.
In the Emiratization area, the number of employees
of the insurance companies operating in the State amounted to 9269 during 2014
including 742 UAE nationals representing 8% of the total number.
The IA's perspective of Emiratization is holistic
as it does not only consider the quantitative aspect of this issue but also the
qualitative aspect because the objective is how to improve the work environment
in the sector, qualify the cadres who can meet its requirements, and train the
national cadres and qualify them academically and technically at all levels
where the IA managed to make many achievements in this regard.
During 2015, the IA realized many achievements in
the area of smart transformation whether at the level of services provided to
the policyholders and the public or at the level of work performance in the IA.
The IA's strategy to adopt smart and competitive
services and develop a work environment to build an advanced modern UAE community
so that the IA will be a smart authority in its procedures and the services
provided to the public, insurance companies and insurance-related professions.
Accordingly, the IA attained 100% on the smart
electronic transformation indicator of governmental services according to the
2015Telecommunications Regulatory Authority Report.
The IA managed to transform 38 services which were
used to be delivered in paper and manual form to smart services delivered via
smart phones and mobile devices out of 47 transformable services while
currently the other remaining transformable services are being transformed to
smart services.
The smart services in the IA include services to
the policyholders, the public, and customers of the insurance companies and
insurance-related professions such as the complaints, insurance inquiries,
registration and registration renewal of the companies and insurance-related
professions, electronic payment of service fees, follow-up of the procedures of
services provided and delivering them on a 24/7 basis.
These services achieved a unique added value that
contributed in developing the governmental functioning environment and
enhancing the competitiveness of the insurance sector. It also contributed in
the delivery of simple and smooth services at lower costs to the policyholder,
customers, and the public round the clock.


text: Current StudentsCurrent Students Graduate Education and LifeAs a graduate student at Georgia State, you are a part of internationally recognized academic programs. You have access to expert mentors and advisers, funding opportunities and the chance to conduct research and present your findings — all within a welcoming community.GET STARTED AS A CURRENT STUDENTMake the most of your time in graduate school. Your academic success, financial well-being, career exploration, and work/life balance are all important facets of your Georgia State experience. New Student InformationImportant information and requirements for incoming graduate students.VIEW INFORMATIONGraduate CatalogUniversity-wide policies and regulations, plus information about the requirements for individual degrees.VIEW THE CATALOGFunding and CostThe cost of graduate education and opportunities to defray those costs.LEARN ABOUT FUNDING AND COSTStudents in ResearchUseful links and information for graduate students working in research.ABOUT RESEARCHStudent ResourcesCampus and Atlanta community resources of interest to graduate students.DISCOVER RESOURCES Professional DevelopmentInformation about developing professional skills and finding a position after graduation.EXPLORE OPTIONS

subset: commoncrawl


text:
Installing Verbum
Installing is a simple process, similar to any other program you might download online. Verbum libraries contain a lot of data, and can take more time to download depending on how many books you own. Please allow enough time for the installation (refer to step four).
Step 1: Download the installer
Looking to install Verbum?
- To download Verbum, you'll need to purchase a Verbum library or join Verbum Now. You can also try Verbum Basic for free.
- If you already have Verbum, make sure you're signed into your account.
Once you've purchased Verbum and are signed in, you can find the installation links on this page. You can also find them in your order confirmation email or on your account orders page.
Tip: You may wish to check the system requirements first to make sure your computer supports the new engine.
Step 2: Installation
For PC:
- Once the download is complete, choose Run and follow the prompts to install the program. If your browser only gives you a "Save" option, click Save, then double click the file from your download bar or "Downloads" folder to run the installer.
- Verbum should open automatically after setup is complete. If it doesn't, you can open the application by double clicking the Verbum icon on your desktop.
For Mac:
- Once the download is complete, open the file ("VerbumMac.dmg").
- A new window will open. Drag the Verbum icon to the "Applications" folder.
- Open your applications folder and double click the Verbum icon.
Step 3: Sign in to your account
Now that installation is complete and you have opened the software, you should get a sign-in window. Sign in with your Verbum.com email and password. (If needed, you can reset your password here.)
This is where the software will identify your account and prepare to download your library. This includes any additional purchases you've made at Verbum.com and any Libronix DLS products you've activated or unlocked in the past. This also includes any notes or other saved documents you may have previously created in Verbum on another computer or device.
Step 4: Preparing your library
At this point, the newly installed program will start two automated processes:
- Preparing or downloading your library. This process requires an Internet connection as it pulls up all your past licenses and downloads the corresponding book files to your computer's hard drive.
- Indexing your library. During this step, no Internet connection is required, but the computer must not be turned off or put to sleep until it is complete. For more information about indexing, see the "About indexing" page.
Note: Downloading and indexing time will vary based on your library's size. Please allow extra time for larger libraries.
You will not get full search results until the indexing process is complete.
After indexing is complete, Verbum will be completely configured and ready to use. If you need to install it on another computer, just repeat these steps. It is recommended to install to only one computer at a time to improve download speeds.
Try Verbum Basic for free by clicking here.
If you need further assistance with installation, our customer-service department would be glad to help. Please call 1-800-875-6467, or email email@example.com.


text:
ResourcesTransforming the paradigm of aging happens by changing our conversations. Changing our conversations changes our actions and makes a different future possible.
Check out these conversations and possibilities for action.
Read recent news articles and Jim Selman's seminal articles on Eldering. more >
BLOGSFollow the ongoing conversations of our principals about aging, Elders and Eldering. more >
BOOKSCheck out our top picks. more >
OPPORTUNITIESCheck out possible ways in which you can contribute through volunteering, work and intergenerational programs. more >
VIDEOSView interesting videos related to retirement, aging, and health and well-being. more >
"There is no limit to what can be accomplished when no one cares who gets the credit."
|8733 Rosario Place NW, Bainbridge Island, WA, USA 98110 | 206-979-0474 | firstname.lastname@example.com
|© 2009 - 2011 The Eldering Institute®. All rights reserved. The Eldering Institute, Eldering and Wisdom in Action are U.S. trademarks and/or U.S. registered trademarks of Paracomm Partners International, Inc.


text:
SOMERS, N.Y. -- Drama students at Somers High School are scheduled to perform "A Midsummer Night's Dream," beginning Friday, according to the school district.
The play, a comedy written by William Shakespeare in the 1590s, is to be performed by the students at 7:30 p.m. on Friday, Nov. 18, and Saturday, Nov. 19, and at 2 p.m. on Sunday, Nov. 20, according to the school district.
Tickets to the performances, which can be purchased here , cost $5 for senior citizens, $10 for students and $13 for adults. Tickets also can be purchased at the door at the time of the show, according to the school district.
Somers High School is located at 120 Primrose St., Somers. For more information, call 914-248-8585.
Somers High School can also be found on Facebook .
Click here to sign up for Daily Voice's free daily emails and news alerts.


text:
U.S. WOMEN'S BASKETBALL UConn's Collier busy learning from veteran players
TARRYTOWN, N.Y. — Dawn Staley has posed the question to collegians countless times in her distinguished career as a coach. It is one that most, if not all, answer with an unequivocal head nod.
"All of my players," said Staley, the head women's basketball coach at South Carolina, "I ask if they want to play in the WNBA. They all [answer similarly]. That's an easier question to answer presently. But to actually see a [professional] practice and go through a practice, that's a lot different.
"And then to have staying power, that's a huge gap."
Players are not only stronger and quicker in the WNBA than they are in college, but they also tend to operate with more precision — even when they don't have the ball in their hands.
Just ask Napheesa Collier, who is in midst of learning these lessons as she comes up on her senior season at UConn.
Collier, a 6-foot-1 forward, was one of only two college players — with Oregon guard Sabrina Ionescu being the other — to make the latest cut for the U.S. women's national team. The roster is currently at 15 players, and will be whittled to 12 when the team heads to Tenerife, Spain, later this month for the FIBA World Cup.
"Even at UConn, we're a transition team. We go up and down the court," Collier said Friday, a day before the team's scheduled exhibition game against Kia Nurse and Canada at Webster Bank Arena in Bridgeport. "This is a step above that, how fast-paced the game is."
At the moment, Collier finds herself sharing the floor with three former Huskies — Morgan Tuck, Stefanie Dolson and Tina Charles, a two-time Olympic and two-time World Cup gold medalist — and the last two No. 1 picks: Kelsey Plum and A'ja Wilson. She might soon be joined by Sure Bird, Elena Della Donne, Breanna Stewart and Diana Taurasi, thus adding to the team's star power.
Dolson, who was drafted sixth overall out of UConn in 2014, has been a valuable sounding board, helping Collier get up to speed with the nuances of the professional game.
"Coming out of college, there's so much you have to learn when you play with pros," Dolson said. "One of the things I'm trying to teach her is basically slowing down a bit. You know, we're faster up and down the court than college, but when you're playing you want to go a little slower. Everyone's really good at everything.
"In college, you're used to cut, cut, cut, cut — you don't stop moving. I'm just trying to help her, especially when she's playing with me, to not cut as much or as quickly because of spacing."
Collier has proven to be an effective offensive player in college. She averaged 16.1 points last season, cracking double figures in 33 of UConn's 37 games. She also shot just under 60 percent from the floor, and was a third team AP All-American.
And the intangibles? Some say she has those down as well.
"These guys joke all the time, 'Oh, yes, she's a UConn player,' because she's complete," said former UConn star Jennifer Rizzotti, an assistant with Team USA. "She busts her butt on defense, she'll run the floor for days. She does a lot of the intangible things, it's just not about her skill level. It's about the fact that she's going to do all the little things."
Added Staley, the head coach of Team USA: "She plays at a high level. I had the honor of coaching her in the U-18s, U-19s a couple years ago. She's pretty much the same player, but she's a lot more efficient. I think she understands it a lot more. She brings people up to her level as far as how hard she plays, her unselfishness, and her ability to just be relentless out there on the court."
Collier, who won a gold medal at the 2015 FIBA U-19 World Championship, is soaking this experience in. Every step of the way Collier's carried with her the advice of her college coach, Geno Auriemma, who told her to "make them feel like they need to keep you."
So far, she has.
"I'm taking this [experience] back to my team," Collier said. "The level of physicality, the pace of it, how people see the floor differently … if we can get that down, then there's really no one who could beat us."
firstname.lastname@example.com; @DougBonjour


text:
Mascara. You sweep it on your lashes and forget about it, so it should be simple, right? But the reality is, with the huge range of lash-darkening formulas out there, it can get confusing.
We took a look at your most pressing mascara questions and decided we'd help you out.
1. Which mascara is best for adding volume?
You're after full, luscious eyelashes, but don't want to put up with clumps. Yes, it is possible – just check out Rimmel's new Scandaleyes Reloaded, £6.99, which has a specially-designed brush to ensure that your lashes stay clump free while delivering on bold, black volume. And with its extreme wear formula you don't have to worry about it flaking off mid-afternoon.
2. How many coats of mascara should I use?
It's not so much the number of coats; it's how you apply. To make sure you're getting maximum volume from your mascara, place the wand at the base of your lashes and wiggle to deposit most of the product before sweeping out the full length of your lashes. If you think you need another coat, simply repeat.
3. How often should I replace my mascara?
Every three months. This will keep the formula looking and feeling fresh.
4. Why is my mascara drying out?
You might have had it for too long (see point 3), or too much air could be getting into the tube. Always screw the lid on tight and when using your mascara, don't pump the wand in and out as this allows air to get in, drying the formula. If you're having a clumpy mascara emergency, then put your closed tube of mascara in hot water for a few minutes to loosen it up before applying. And then get yourself to the shops to stock up on Scandaleyes Reloaded, £6.99, of course.
Want to play around with your lash looks? Click here for our top tips.


text:
The Tower of Babel game was specifically designed and constructed for the ARGuing project. It had sections that were accessible according to the role of the user within the game:
Game Site: http://ictthatworks.net:8080/moodle/ Entering the gameBefore the game commenced teachers were registered on to the game platform and sent a initial guide (technical and methodological). They were introduced to the teacher guide section and asked to create a profile. They undertook training through the platform with the online support of the project team.Students were then registered and asked to complete profiles and join Guilds (collaborative groups if students across all the participating schools).Students and teachers were asked to complete pre-game questionnaires.Game play Each day of the game the students were delivered blog posts of the storyline of the game and asked to complete Quests. There were a total of 15 quests, most of which were multi-part. These required students to search the Internet for information, view videos, create their own content, add posts in forums. Most of the quests were designed for collaboration.Responses to the quests resulted in:


text:
Students and guests particpated in a patriotic program learning the history of Veterans Day, and celebrating Veterans. We had many Veterans who joined our program and were honored by being escorted by a student relative down a corridor of Cub Scouts from our school. Over 30 of our own scouts were standing in uniform showing respect for the Veterans. Each of the Veterans stood as their branch of the military was announced and all the students in the school sang the song, "Thank You Military" and "I'm Proud To Be An American". Throughout the rest of the day, you could hear children singing patriotic songs as you walked through the halls. Each class in the school was also visited by a Veteran who talked about their service for our country. From Santaquin Elementary, we would like to say THANK YOU to our Veterans! Veterans who participated were:
Bowdy Gonzales, father to Saber Gonzales - Army
Josh Nielsen, father to Parker NIelsen - USMC SGT
Braden Parish - Corporal USMC
Terry Jones, grandfather to McKinzee Marshall - Army Staff Sergeant
Dale Barnett, great grandfather to Bryan and Chrisian Degraw -Army Sergeant
Ernest Newton, grandfather to Owen Newton - Army E-4
William Jackson, father to Dayna Chatwin - USMC Corporal E-4
Chad Carson, father Cade and Layci Carsonto - Army SGT E5
Daniel Paas, uncle to Madeline, Timmy and Lily Gull - E9 Master Chief USN
Donald Paas, grandfather to Madeline, Timothy and Lily Gull -Sergeant Air Force
Lynn E Weight, grandfather to Hayden Weight - Speciales E5 US Army
Rhett Larsen, father to Jacob and Jameson Larsen - Captain Army
Phil Snelgrove, Neavy Seaman
Scott Fraser, father to Landon, Keaton, Camerson and Hayden Fraser - Sergeant Army
Don Ashcraft, grandfather to Mylee Villenuva - US Air Force Senior Master Sergant
Robert James, grandfather to Turner Larsen, Ellana Larsen and Brexton Larsen - MSGT Air Force, Navy, Army
Brian Johnson, father to Melissa and Matthew Johnson -US Navy
Quentin Francom grandfather to Rebecca Laker - Army Sergeant E5
Melissa Webster, Army Reserve
Deployed Veterans include:
Jeff Sonderegger
Colton Cruz
Samir Sayago
Tracy James


text:
Welcome to a special edition of Linkspam, featuring a number of recent articles about feminist hackerspaces.
First, Geek Feminism's own Liz Henry documents The Rise of Feminist Hackerspaces and How to Make Your Own:
We'd like to build spaces without harassment, without having to worry about jerks, and more ambitiously, with active encouragement to explore. The culture we're developing supports making, learning, and teaching, which is a goal we share with many other hackerspaces. Ours is starting with a few extra values; intersectional feminism, support for feminist activism and strong respect for personal boundaries. We're trying to build structures that help us form strong social ties and share responsibility.
It's very exciting. I know what you're thinking. You want a feminist hackerspace full of creative, talented non-jerks near you!
- Now that Double Union is pausing membership applications, Leigh Honeywell is hoping to link other potential hackerspace founders up with each other, inside and outside the San Francisco Bay Area.
- bokunenjin is going public with plans for a space in DC.
- Over at the Geek Feminism wiki, you can find a list of existing feminist hackerspaces and learn more about creating them.
Anyone founded, founding, attending or contemplating a feminist hackerspace? Ask questions and share tips in comments!


text:
You know what? If I was pregnant I'd want continuity of care. For that, it's very likely I'd need to choose an independent midwife.
To me, the current situation is as serious as women not being able to access termination of pregnancy.
Because when women are not given adequate choices, they take matters into their own hands.
I'll back up a bit (I'm furious as you can tell).
Three working days before Christmas, the Nursing and Midwifery Council (The NMC, the government's regulator of Nurses and Midwives) informed independent midwives that their indemnity insurance was no longer adequate for labour care.
They were given just three weeks to make other arrangements for their clients.
From a client's point of view this looks like:
Carefully choosing an independent midwife, often due to birth trauma or other complex reasons. Building a relationship with this midwife over several months.
Paying the independent midwife's fee (not nearly as much as some think, by the way). Having the midwife get to know their family and settling into a relationship based on mutual trust.
Knowing they have someone who is on their side who will arrive during the most important moments of their life.
Being told, close to their labour that their midwife can no longer look after them. And their midwife may not even attend as a support person while they are having NHS care, unless they are a family member.
Many women in this situation will start to think about freebirthing (i.e. giving birth with no professional present).
You know I try not to criticise, it's not my style.
But midwifery is a progressive profession, based on a respectful partnership care model. And this decision doesn't seem progressive.
The other strange thing is the NMC won't say what adequate insurance would be, making it impossible for independent midwives to meet their demands.
Independent Midwives UK, who are the support organisation for independent midwives, have taken medical/legal advice and come to solid conclusions about adequate insurance, or so they thought. But they've hit a wall (many independent midwives are saying they feel like they're being asked to jump through an invisible hoop).
This group of midwives often leads the way in terms of excellent maternity care. They are losing income. They are also under immense emotional pressure.
I know this is a difficult to hear because when you first approach midwifery, you think, surely the NMC is a good thing?
It's there to protect women and babies. But in this instance, it doesn't seem to be doing this well.
We live in a democracy. If a government body isn't working for us, we get to change it.
Here's what you can do:
1. Write to the NMC. It doesn't matter whether you are an aspiring, student or qualified midwife, or a concerned person, your voice still counts (and you can't get disciplined for protesting, even as a student or qualified midwife). The NMC are there to serve women and families. They have to listen to complaints. Their email address is: firstname.lastname@example.com (see below for a letter you can change and adapt)
2. Write to your MP. Use the letter below for inspiration.
3. Donate to Birth Rights and share everything they have to say on the matter. Birth Rights is a charity that acts to protect human rights in childbirth.
4. Join the Women's Equality Party and write to them letting them know what's happening.
5. If you're really strapped for time and can't do the above, talk to people about this, share articles on Facebook, and COMMENT on this post to let independent midwives know you are with them.
Not to get sexist, but I know from my stats that if you're reading this, you're likely to be female. You are a woman with a public voice. Think about how unusual that is, in the history of your country. Use it!
There is an official petition in the pipeline too, I'll let you know when it's up.
I know with the supervisors of midwives being taken from statute, the midwifery committee disappearing, and now this, these few weeks have been scary. The challenges in midwifery can feel insurmountable.
But I always think about the anthropologist Margaret Mead's quote "Never doubt that a small group of thoughtful, committed citizens can change the world; indeed, it's the only thing that ever has."
Midwives who up until recently would have had very limited reach now have a voice. I'm thinking of Sheena Byrom, Mark Harris, Virginia Howes (see this heartbreaking video on what this news means for her and her pregnant daughter), Amanda Burleigh and others.
Even Mary Cronk is on YouTube.
Things are moving in the right direction.
There's 'The Roar Behind The Silence', the 'Caring For Your' RCM Campaign and 'Better Births'.
It's slow and it always takes a huge amount of time to make a difference. But if you look at the last fifty years in maternity care, things are getting better, not worse.
You are powerful when you decide to back a cause you believe in. The future of midwifery is in our hands, because who else is there?
Thanks for reading and allowing me to write for you. Even if this cause doesn't fire you up as much as it does me, I hope it inspires you to find another women's rights issue that does.
With all my love and best wishes for you and yours,
Ellie x
A template letter you can adapt:
Dear ---
We are devastated by the recent move by the Nursing and Midwifery Council to stop Independent Midwives from attending clients in labour. As Independent Midwives are often women's only option to make choices for their care (as the NHS cannot always accommodate needs such as homebirth), and many choose them due to birth trauma or other complex and distressing situations, we see this as a human rights issue.
If you listen to women reacting to this news many are talking about freebirth instead of accessing NHS care as they feel their mental and physical wellbeing being adversely affected by NHS care is not something they can risk.
The rights of women to choose who is with them in labour has been taken away.
I beg you to consider the lives put at risk and women's right to choice being taken from them if this is not rectified.
I look forward to hearing from you.


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Abraham Lincoln's Legend Lives on in Illinois
Byline: Diana Dretske
"I am a firm believer in the people. If given the truth, they can be depended upon to meet any national crises. The great point is to bring them the real facts." -Abraham Lincoln (1809-1865).
Lincoln, the 16th president of the United States, governed during the worst crisis in the nation's history - the Civil War (1861-1865).
Born in Kentucky to a frontier family, Lincoln's early life was characterized by poverty and hard work. The family moved to Indiana when Lincoln was only 7, and two years later his mother died. Fortunately, his new stepmother exerted a good and loving influence over him.
By the age of 21, Lincoln settled in New Salem, Ill., where he worked as a manual laborer and store clerk. He continued his self- education and served as captain in the militia in the Black Hawk War (1832). Lincoln began to study law and was licensed to practice in 1836. Within a few years, he made a name for himself as one of the state's finest lawyers.
In 1858 Lincoln ran against Stephen A. Douglas for senator. He lost the election, but in debating Douglas, he gained a national reputation that won him the Republican nomination for president in 1860.
On April 2, 1860, Lincoln was in Chicago on business for a court case when he was asked to give a speech in Waukegan. The afternoon before the speech he got a shave in Philip Brand's barbershop in Waukegan. …


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New York Sun: Jerry Nadler pushes Congress to ensure tenants' right to have mezuzahs, crucifixes, and presumably pentagrams on their doors and doorways.
New York Daily News: Prison guards accused Bronx-born inmate Angel Martinez of attacking their fists with his face and rubs; Martinez studied law and, when released, brought charges; last week he won $1.4 million in damages.
New York Times: New York's August unemployment rate rose from 5 to 5.8 percent — the biggest jump in 30 years.
NY1: City stops work on 10th Ave./41st St. subway station; says "neighborhood is already developed"; straphangers advocate wonders why current residents are less important.
Queens Crap: Henry Z. Steinway, 1915-2008.
photo via NCavillones (cc)


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[Dont.Farm] Facebook Cloud Accounts | Credit Cards | All GEO's | From 99$+
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Sometimes the simple things really are the best.
As part of our role as Bigjigs Play Patrol Agents, last week we were sent a wooden jigsaw puzzle and challenged to play with it together, as a family.
I can't tell you what a lovely half an hour we spent playing together, drinking hot chocolate and giggling, while the rain poured down outside. Not only was it amazing to watch Evie's mind ticking as she worked out what jigsaw piece went where, it was also utterly lovely to watch Daisy help her little sister when she got stuck.
There's a three year age gap between the girls and this particular jigsaw (the Number & Colour Matching Puzzle) was perfect for them both; Evie was able to match the colours, while Daisy practised her counting and matched the numbers.
There really is so much to be said for taking just a little time out and spending time together as a family.xoxo
One of the main reasons we love Bigjigs Toys so much is because it's a family operated business that has never lost sight of its roots. Their toys are excellent quality, safe and affordable, and encourage exploration, creativity and learning. Most importantly they are really great fun! We are honestly so thrilled to be part of the Play Patrol team.


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The history of a moment
NORTH LIBERTY– To attend this year's presidential inauguration in Washington, D.C. was nearly a historical feat in itself. The cold temperatures, unprecedented turnout and increased security did not deter an estimated two million people from trekking to the national mall on Jan. 20 to witness the swearing in of our nation's first black president.
But Penn Elementary School teacher Jake Cummer made sure his students had front row seats.
An Extended Learning Program instructor for the Iowa City Community School District, Cummer was surprised to learn he and his wife Amber obtained admittance to the presidential inauguration through Iowa's state ticket lottery. Cummer said he didn't expect to go at first because it meant being away from school for a week.
"The district's central office and (Penn principal) Julie Robinson were incredibly supportive," Cummer said, which encouraged him to head to the nation's capital.
Cummer decided it was to be a learning experience for his students as well as himself. He set up an Internet blog– a web page with his personal postings– so friends, family and students could track his experience from back home.
"I hope this will allow my students to hitch a virtual ride with me to D.C.," Cummer wrote as an introduction to his blog. "I take seriously the privilege I have been afforded with this opportunity and want to share my experiences as much as possible. Join me on my journey through tollbooths, traffic, weather, more traffic, huddled masses, security checks, and, of course, the inaugural ceremony itself."
The Cummers made the cross country trip by car, arriving in Washington D.C. on Sunday evening just as a free inaugural kick-off concert at the Lincoln Memorial was ending.
"It took more than an hour to make what is usually a five minute drive," Cummer recounted. "There were hoards of people walking across the bridges. The foot traffic on the sidewalks was overwhelming." While Cummer's brother-in-law said typical Sundays are relatively quiet in D.C., that evening "felt more like it was New Year's Eve."
On Monday, Jake and Amber had to wait in line to get their inauguration ceremony tickets at Iowa Senator Tom Harkin's office in the Hart Senate building. Learning there were additional tickets to be given away in an impromptu lottery, the Cummers put their names into the drawing, hoping to win tickets for their D.C. family members. Jake was lucky once again when his name was drawn; however, the Cummers decided instead to offer the pass to a woman from Cedar Rapids– someone they met while in the lottery line– who had traveled from Iowa alone, hoping against the odds to win a ticket to the inauguration for herself. On his blog spot, Cummer describes it as an "Oprah moment."
"All she wanted out of the suddenly lonely trip was some luck for a ticket and it was cool to give her that. I think she hugged me 17 times and started crying as we walked out of the Senate Office Building with her," Cummer wrote. "This woman reminded me of why I have put up with the trials and tribulations of traveling out here in the first place. It's all worth it."
The festive atmosphere carried through until the Tuesday morning of inauguration day, despite throngs of people bottlenecked at every turn. The Cummers walked more than five miles that morning as they made their way through D.C.'s 3rd Street tunnel toward the mall before the Capitol steps. All the while, Cummer sent updates from his Blackberry to describe what he was seeing, hearing, and even eating. By the time he had arrived at the back of the Reflecting Pool, Cummer said he realized he had ceased to be concerned about how close he would be to the inauguration ceremony itself.
"It was really about the surroundings," he said. "We spent seven hours with people from all around the country. It was such a cool collection of sounds and an extremely varied mix of people."
There was the African American woman from Atlanta, there with her grandson, who described to Cummer how the country had changed for her over her lifetime. There were people who seemed to be quietly, inwardly reflecting on the day's events, and people on cell phones offering folks back home play-by-plays of each moment.
"The energy was so good. The feeling was positive," Cummer noted, "and politics were strangely absent. In fact, politics weren't discussed at all. I had no sense of where any of those people were coming from, politically.
Though the pre-inauguration mood was celebratory, Cummer described the moments of President Obama's speech as more solemn.
"I thought his speech was good, but it was very sobering, which I think is appropriate at this time. It was practical, but very encouraging and hopeful at the same time."
One of the most stirring moments came at the end of Obama's speech − a sudden, stunned silence from the crowd.
"People didn't leave whooping and hollering like they would from a campaign speech," said Cummer, "but there was a sense of the reality Obama was trying to convey."
Back home in Iowa, Cummer attempted to summarize the significance of all he witnessed while in Washington, D.C.
"The history of the moment is undeniable, of course," he said. "Decades from now, it will be remembered as one of the most important events in our nation's history."
Even before the election of the United States' first black president, Cummer said he had often wondered what historical events he would be able to convey to young people, just as his mother had for him when he was young.
"When I was growing up, I heard stories from my mom about where she was when Kennedy and King were assassinated, or about watching man first walk on the moon. I realized our generation didn't have much of a history to share. I was worried that 9/11 was the only thing we would have to remember."
But one of Cummer's final blog entries, each posted for the young people whose lives he touches every day, offers them this insight:
"Is this, the Inauguration of the first African-American, my moon moment? Nobody knows. Will Obama be a good president? That's equally as impossible to tell at this point. The only thing we can do is make sure we commemorate the inauguration in a way that will allow our students to tell their kids some day, as vividly as possible, where they were when the first African-American man was sworn in to the office of President of the United States of America. I hope everyone takes a moment to record, in whatever way makes sense to them- journal, photos, recorded word- their thoughts, feelings, and experiences on this, one of the most important days in our shared history as Americans.
"Overly romantic? Maybe. But, in five years, if I have the choice between looking back to today and regretting making too big a deal of it, versus not making a big enough deal of it, I'll take the former. So should we all."
You can view Jake Cummer's blog, titled "Destination Inauguration," at http://jcummer.blogspot.com/


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Paramore is an American rock band that was formed in Franklin, Tennessee, United States in 2003. The band consists of Hayley Williams (lead vocals/keyboard), Josh Farro (lead guitar/backing vocals), Jeremy Davis (bass guitar), Taylor York (rhythm guitar), and Zac Farro (drums). The band have released three studio albums in total; All We Know Is Falling (2005), RIOT! (2007) and Brand New Eyes (2009).
Similar Artists
Hayley Williams, VersaEmerge, Hey Monday, You Me At Six, All Time Low
09/03/2011 - Paramore to Release New Song
07/19/2011 - New Paramore Video
06/10/2011 - New Paramore Album Expected in 2012
06/03/2011 - New Paramore Song
05/26/2011 - New Paramore Song Clip


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Sunmark Adjustable Offset Cane
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Sunmark Adjustable Offset Cane
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- Made of anodized aluminum.
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- Maximum Patient Weight: 250 lbs.
Product Overview
Sunmark Adjustable Offset Cane
Sunmark Adjustable Offset Cane
AllegroMedical.com presents The Sunmark Adjustable Offset Cane. sunmark Adjustable Offset Canes. Scratch-Resistant Finish. Foam Handgrip with Strap. 30 to 39 Inch Adjustable Height; Adjusts in 1 Inch Increments. Made of anodized aluminum. Non-skid tips. Locking collar for added safety. Maximum Patient Weight: 250 lbs. Not made with natural rubber latex.
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Sunmark Adjustable Offset Cane
Sunmark Adjustable Offset Cane Reviews Summary
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Part Number(s): 762 573793 02
Mfg Part Number(s): 195-6531
Scrip Part Number(s): 762 573793 02
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Lunch and Learn: 2015 FRCP Amendments
Thursday, February 18, 2016
Join industry experts Lisa M. Floro, Esq. (Coloplast Corp.) and Michele C. S. Lange, Esq. (Kroll Ontrack) on Thursday, February 18 from 12:00 – 1:30 PM at The Metropolitan in St. Louis Park, MN to discuss significant changes to the Federal Rules of Civil Procedure (FRCP) affecting the legal discovery of electronically stored information. At the heart of the FRCP amendments is a renewed effort to provide judges and lawyers with practical tools to help move the discovery process along and keep costs in control. This CLE will help you familiarize yourself with the new rules, so you can prepare for their impact on your organization's next litigation.


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A zoo in Toronto, Canada has named three baby capybaras after the members of iconic Canadian rock band Rush. The names were decided by a naming contest in which about 45,000 people voted.
Alex, Geddy and Neil were born in February to the zoo's infamous Bonnie and Clyde, a pair of adult capybaras who became a subject of media interest when they escaped the zoo last year and spent weeks wandering the city of Toronto, eluding authorities.
A capybara is a large rodent that resembles a tail-less beaver. But as Canadian as that sounds, the capybara is actually native to South America and a close relative of the guinea pig.
In a statement on Facebook, Geddy Lee wrote, "Thanks to all who voted to give us this special honour! By the way, which one is me? In the picture I saw none of them were wearing glasses."
Rush formed in 1968 in the Willowdale neighborhood of Toronto. During their career, the band has been awarded 24 gold, 14 platinum and 3 multi-platinum albums. They have been nominated for seven Grammy Awards and were inducted into the Rock and Roll Hall of Fame in 2013.


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GovernanceThe processes and structures below are detailed in the SDF bylaws, which outline SDF governance policies.
Members of Stellar.org
All Members of Stellar.org were established at the time of incorporation. Members serve for life and are responsible for electing the Board of Directors.
The SDF Members are Patrick Collison, David Mazieres, and Jed McCaleb. Each Member serves for life or until he or she becomes incapacitated or appoints a successor Member and resigns.
Members of Stellar.org are distinct from Directors (members of the Board of Directors). A Member can also be a Director and vice versa, but the Board and Members are entirely separate bodies with regard to SDF governance.
SDF Boards
SDF has three (3) boards:
- Board of Directors: Responsible for core governance decisions, determining the direction of the Stellar Network, and lumen distribution. The Board of Directors is advised by the other two boards.
- Architecture Board (AB): Responsible for determining and overseeing sponsored technical initiatives.
- Expansion Board (EB): Responsible for overseeing network expansion initiatives, engaging with regulators, and training.
Board of Directors
The responsibilities of the Board of Directors are:
- Setting the mission and purpose of SDF
- Electing an Executive Director
- Ensuring adequate financial resources for SDF
- Preserving the ethical integrity of SDF
- Overseeing SDF's activities
Directors serve a term of one year and can be re-elected for additional years of service. For more information about the Board of Directors and Members, please refer to the Bylaws.
SDF provides no compensation to Members or Directors for their service in such roles.
Executive Director
The Executive Director leads the operations of the Board of Directors. In addition, the Executive Director has the power to appoint top management positions, including, but not, limited to: financial, operations, community, technology, and more. The Executive Director also has the power to set salary and benefit levels for other staff.
The Executive Director is elected by the Board of Directors and has the right to resign at any time upon written notice.
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In order to attract and retain the best employees, SDF acknowledges that it must offer competitive salaries and benefits. Employee salaries are set by the Executive Director. The Board of Directors sets the Executive Director salary.
SDF also offers employees compensation in lumens on a four-year vesting schedule. Employee lumen grants must be approved by the Board of Directors.
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Foundation Membership gives strategic partners the ability to shape SDF by voting on key decisions regarding direction, prioritization, and governance as part of the Stellar Expansion Board.
The following categories of entities are eligible for "Foundation Membership" status:
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To build trust within the community and within our team, SDF is committed to transparency and other safeguards. Therefore, as part of our governance practices, the following will be made permanently and publicly available:
- Details/mechanism of the various lumen distribution programs
- Aggregate number of individuals who have participated in the Direct Sign-up Program and number of lumens distributed
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- Total lumens held by the Foundation


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Tasks that are part of a project that has been put on hold, should not show up on a users ToDo list. This is only a suggestion. There really is no point in categorizing the projects if all the tasks that are on the \"non-active\" projects are still going to show up in the user todo list is there?\nIf I have a project in \"planning\", I do not necessarily want people to see the tasks being planned for a project that is not active.
asked 25 Jun '15, 09:25
As is usual I have found the problem. In the edit project area, there is a radio button for active or inactive. By checking this radio button your tasks are turned on and off in your task list. As with most things I post, I find if I look hard enough, I find the answer to things.
answered 30 Jun '15, 15:29


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In the eastern tower, her favourite step by the worn arrow loop
Cold sea winds seep into her eyes spilling to a defiant tear on one cheek
That weak Autumn sunlight paints a shaft of her pastel hair a fiery ochre
Cheek pressed to the chalky stone, there are no shapes to be seen
Shadows dance on the bleak ocean waves, the moon fastens on each crest
A creaking of ghost ships, oars pulling, voices muted in the frosty air
She's sure there's nobody there, just blood hastening in her ears
She remembers the shell he pressed there; can you hear the ocean love?
Another day has passed, each hour a tangled eternity, each dusk another death
As darkness thickens, his holy kiss stains her forehead, envelops, protects her
"He will return and keep his promise" she whispers welcoming her familiar mantra
A sing song lullaby as she clutches her knees and rocks to her fevered sleep.
And her dreams are filled with that faceless figure, valiant to claim her
The brilliant jewel he fought for, kept safe from foes, frozen from the ages
Stumbling across jagged rocks to pull her to him, breathing in her rose petal hair
He won't leave her again, he has returned, returned to the castle of the girl.


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6 Items to Simplify Your Life
Twist Assist Jar Opener
From running a jar under hot water to using a non-skid rubber pad, nothing seems to loosen that stubborn lid. Before you throw in the towel, reach for this tool, which suctions onto lids and locks, making it easy to break through just about any safety seal.
To buy: $7, containerstore.com.
Featured August 2011
Mini Travel Towel
Simply soak one tablet in a small amount of water and, in a matter of seconds, it turns into a towel for washing your face or cleaning up a spill while on the go.
To buy: $7.50 for eight, spoonsisters.com.
Avocado Cuber
Whether it's adding delicious toppings to salads or prepping your favorite dip, this gadget makes the work a whole lot easier. Simply press, twist, and lift to create perfect cubes of avocado.
To buy: $15, williams-sonoma.com.
Reusable Lunch Box
Brown bagging it is so last year. This reusable lunch box is neatly divided into five sections and includes an 8-ounce drink bottle, which makes it easy to enjoy a healthy, balanced meal while on the road.
To buy: $25, landofnod.com.
Freezable Carrier
Whether you're heading to a BYOB restaurant or a backyard barbecue, tote your beverage of choice in a bag that'll keep it chilled the whole way there.
To buy: $10, amazon.com.
Neighbors by White Pages
If you're hosting a block party, then it's easier than ever to spread the word. This convenient new tool lets you enter your address, select neighbors from the map, send online invitations, and track RSVP's all on one site.
See all Daily Finds from this month


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About 22.6% of the total land area is arable. Agricultural production was on the decline even before the 1979 hurricane disaster. The main crop of Dominica is bananas, output of which had fallen to 29,700 tons in 1978. As a result of Hurricane David, production hit a low of 15,700 tons in 1979. Agriculture suffered a further blow from Hurricane Allen in August 1980. However, after outside financial support began to rehabilitate the sector, production rose to 27,800 tons in 1981 and totaled 30,000 tons in 1999.
Agriculture accounts for about 20% of GDP and employs about 40% of the labor force. Agricultural exports amounted to $19.1 million in 2001. Most crops are produced on small farms, the 9,000 owners of which are banded together in about 10 cooperatives; there are also several large farms that produce mostly bananas for export. Coconuts and citrus fruits are grown in commercial quantities. Production for 1999 included coconuts, 11,000 tons; grapefruit, 21,000 tons; lemons and limes, 1,000 tons; and oranges, 8,000 tons. Fruits and vegetables are produced mostly for local consumption.


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Many companies invest in their content strategy, but what could be the advantage of blogging by employees? What is the purpose and how can your company benefit from it?
Blogging is all about creating, publishing and promoting content. It generates content for your website, which is the center piece of your online content strategy, and fuels other digital channels your company is using.
We could explain numerous advantages of blogging, but let's highlight first how effective blogging plays into each of the 3 steps in the buyer's journey (awareness, consideration and decision stage) and secondly how your brand and human capital can benefit from it.
Awareness: Attract visitors to your website
Research shows that creating blogs generates 55% more visits on a website.1 When the right keywords are used, blog posts fuel Search Engine Optimization (SEO) and drive traffic to your company's website. Search engines are continuously looking for valuable content, so creating the right content will definitely help your website to be shown higher in the search results. You can also leverage the created content by sharing the blog posts via your social media channels in order to gain extra traffic to your website. On top of that, research has shown that writing blog posts generates 97% more links to your website.2
Consideration: Build trust and relationships
Writing blog posts helps building trust in your company. While giving you a competitive advantage, blogging enables you to stand out as a reliable source of information in your industry by providing people with information they are looking for. According to Inbound marketing specialist HubSpot3, blog posts are rated as the 5th most trusted source for precise information.2 Hence, making use of your company's expertise in the most efficient way would imply sharing this expertise through blog posts of good quality and reaching the right people with the right content. While discussing with prospects and customers, succeeding in building trust will help you to build and maintain relationships and leading your prospects further into the buyer's journey.
Decision: Convert prospects into hot leads
In the third stage of the buyer's journey, you aim to convert prospects into hot leads. Hence, each blog post is an opportunity to generate new leads. By focusing on nurturing your prospects, you are not only building a strong relationship with them. It enables you to lead them to your specific Calls to Action (CTAs). These can generate traffic to your landing page or e-commerce platform. Research shows that B2B marketers creating blog posts receive 67% more leads than those who do not write any.2 Moreover, according to a HubSpot survey, 60% of businesses who blog, acquire more customers.4
Empower your employees
Blogging also has a high potential value for human capital. By allowing your employees to create content based on their expertise, you empower them to develop the company's website all together and to express their opinions. Dilys Robinson and Sue Hayday's report 'Employee Engagement' suggests that employees are motivated by intrinsic factors like personal growth, working for a common purpose and being part of a larger process, rather than simply focusing on extrinsic factors such as pay and benefits.5 Consequently, empowering your employees to co-create content, helps in turning them into motivated brand ambassadors. Here lies another great opportunity of blogging, as 2016 Edelman Trust Barometer shows that 52% of us see employees as credible spokespersons.6
Enable employees to build their personal brand
Employees gain a lot of expertise and they usually become specialists on some industries. Creating blog posts gives them the opportunity to share their expertise online, through the company's website and social media, enabling them to build their personal brand. Several studies indicate that this results in an increase in productivity, engagement and retention.
So, try to implement blogging and adopt it into your company to become a thought leader in your industry. Creating valuable content will help you to attract more visitors to your company's website, to build trust and relationships with your prospects and convert them into leads. In addition, by empowering employees to collaborate and by enabling them to build their personal brand, blogging can be a valuable asset for your brand and human capital.
1 10 unbelievable statstics sell boss business blogging
2 Business blogging in 2015
3 Inbound marketing course 2016
4 19 Reasons why your business should be writing a blog
5 Three steps for transforming employees into brand ambassadors
6 2016 Edelman Trust Barometer


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Added 16th May 2014
Average rating:
1 reviewRate this Rental
By DancingBrit - stayed here from 1st July 2012 to 28th June 2013
Agency unresponsive to numerous e-mails asking for improvement. Had to call council to force agency and landlord to:-
*Place smoke alarms in the property.
*Deal with mould issues.
Landlord is on record as verbally assaulting a tenant when served with informal improvement notice by council.
If renting in Cardiff, avoid the 4Let agency at all costs, extortionate exit charges placed on tenants during and after tenancy.Sign in to comment on this review


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Board of Trustee Minutes 11/10/2016
A special meeting of the Board of Trustees of the Village of Delhi was held on Thursday, November 10, 2016 at 12:00 p.m. in the Village Hall Boardroom.
Present: Mayor: Richard Maxey
Trustees: Jeremy Fitch, Robin Hultenius, Sridhar "Sam" Samurdrala
Christopher Maney - absent
The meeting started at 12:05 p.m.
Police Chief Michael Mills was present to report that the K-9 Vehicle has been totaled out by our insurance company after hitting a deer. It has been confirmed with the insurance company that the Village will receive replacement value for the car, up to the insured amount of $27,000. That money, combined with monies already in reserve for a police vehicle, will cover the cost of a proposed new vehicle, a 2016 Dodge Charger.
The new Charger will be unmarked, with lights, and will come at a cost of $37,652 which includes the lighting package, siren, interior partition, wiring harnesses and rifle mount, along with other options. The Charger will replace the Chevy Impala, which is going to be converted into the new K-9 car, since all of the equipment from the old K-9 car fits the Impala currently in service as a patrol car.
Motion was made by Trustee Samudrala to move forward with the purchase of the 2016 Dodge Charger from Robert Green Auto at a cost of $37,652. Motion was seconded by Trustee Fitch and passed unanimously.
Motion was made by Trustee Fitch to adjourn. Motion was seconded by Trustee Samudrala and passed unanimously.
Meeting adjourned at 12:15 p.m.
Respectfully submitted,
Michele C. Griffin


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Joan CuscóBSWW PresidentThe beach awaits… but for now our place is at home
MadjerFPF Beach Soccer CoordinatorTransversal growth to stay on top of the game
Joan CuscóBSWW President2020: Vision for a brighter beach soccer future
Joan CuscóBSWW PresidentRussia, one step beyond in excellence
Gabino RenalesBSWW Deputy Vice-presidentWorld Winners Cup: A new concept to maintain growth in the sport
Joan CuscóBSWW President2019: Fasten your seatbelts for the busiest year in beach soccer history!
Cosimo SibiliaPresident of Lega Nazionale DilettantiFifteen years of beach soccer in Italy
Dick WhalenNASSC Tournament DirectorThe North American Sand Soccer Championships turn "Silver"
Ali TargholizadehAFC Head of Futsal and Beach Soccer DevelopmentAsia has everything required for beach soccer
Roberto CarettoManager Lazio Beach SoccerIdentity is key for clubs' future
12 Jul 2015
Russia and Tahiti march on
Two of the quarterfinalists from Group D have been settled but much of the field remains open
Russia and Tahiti beat Madagascar and Paraguay respectively on Sunday to secure the top two slots in Group D of the FIFA Beach Soccer World Cup Portugal 2015 and advance to the quarter-finals.
The two-time defending world champions were not at their best, however, and were made to work hard by the African debutants in recording a 4-2 win. Meanwhile, Tahiti reproduced the form that took them to the last four on home sand two years ago, serving up flashes of brilliance in their 7-5 defeat of a tireless Paraguay side, with seven different Tahitian players getting on the scoresheet.
The situation is somewhat different in Group C, where Brazil lead the way with maximum points after seeing off a valiant Iran 4-3. A Canarinha found themselves 3-1 down in the early stages but fought back to move to the brink of a place in the next round. The Brazilians still have a testing final game to come against a Spain side that stayed in contention with a 3-1 defeat of Mexico in the day's opening match. Despite losing both their games to date, El Tri still have a slim chance of going through to the last eight.
Group C
Mexico 1-3 Spain
Iran 3-4 Brazil
Group D
Madagascar 2-4 Russia
Paraguay 5-7 Tahiti
Memorable moments
He's got rhythm
Andres Villegas got into the spirit of things during the Russia-Madagascar game. Watching the match with his team-mates, the defender got to his feet when the cheerleaders hit the sand during the first interval and started to strut his stuff, much to the rest of the squad's delight. The practical joker in the Tico pack, Villegas livens up journeys on the team bus by dancing down the aisle.
The acrobatic Mr. Moran
Paraguay's Pedro Moran moved to the top of the Portugal 2015 scoring charts on Sunday courtesy of his hat-trick against the Tahitians, his second of the competition. Moran saved the best for last, completing his triple by meeting a pinpoint cross from the right with the perfect bicycle-kick and sending the ball into the far corner of the opposition net, a stunning strike that brought the fans to their feet.
This one's for you, Teva
It was halfway through that game that Tahiti winger Teva Zaveroni picked up an injury following a heavy challenge and had to leave the pitch. Stepping up to take the resulting free-kick in his place, Tearii Labaste thrashed the ball home and dedicated the goal to his injured colleague.
Brazilians do it a cappella
The playing of the pre-match national anthems is a source of pride and motivation for athletes, not least Brazil's sportsmen and women. The country's beach soccer stars proved that point again in Espinho on Sunday, continuing to sing their national anthem after the music had stopped, with their fans joining in. Once the a cappella version was over, the rest of the stadium gave the singers a resounding round of applause.
The stat
25 minutes and 44 seconds - the amount of time that elapsed between Russia's third and fourth goals against Madagascar, not something that happens often to the holders. "It happened because we were poor tactically," said skipper Ilya Leonov afterwards. "We scored three quick goals in the first period and then spent our time trying to play keep-ball. We lost our focus a little."
The words
"Mexico are not as physically strong as Iran but they are very shrewd in defence, which is why we found it hard to score. We knew that if we won we'd stay in contention, and that's why we're happy,"
Spain captain Nico.
"I think the reason why we've lost both games is because our rivals are stronger than we are. We also lack experience at this level," Madagascar winger Tokindrainy Randriamampandry.
"We didn't perform well in the first game because we didn't play our normal game. We did against Paraguay, though, and we played a lot better. I'm happy we won for our little island," Tahiti defender Heimanu Taiarui.
"It's disappointing to be out of the competition, but we played two good matches. I'm proud of myself and my team-mates," Paraguay pivot Pedro Moran.
"We didn't start off well. Our minds were elsewhere. As the game went on, though, we got into our stride. Qualification is still in our hands," Brazil coach Junior Negao.
Next matchday, Monday 13 July (Local times listed)
Group A
Portugal-Argentina (14:30)
Japan-Senegal (16:00)
Group B
Oman-Costa Rica (13:00)
Switzerland-Italy (17:30)
(Source: FIFA.com)


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Chanceaux tourism and travel guide
Photo is of Flavigny at 14 km from Chanceaux
Visit Chanceaux: highlights and tourist informationTo Visit Attractions
Chanceaux is situated in the Cote d'Or department and Burgundy region (now part of the Burgundy-Franche-Comté region), in the eastern-center of France at 33 kilometres from Dijon, the department capital (general information: Chanceaux is 230 kilometres from Paris).
Popular places to visit nearby include Flavigny at 14 km and Fontenay Abbey at 29 km. For more places to visit and local tourist attractions see the map and listings below.
Chanceaux, France: places to visit and attractions
Some of the places that we have visited and reviewed and can recommend when you are sightseeing close to Chanceaux in Burgundy-Franche-Comté.
Note that all distances below are 'direct' and real driving distances will be greater!
... or see ALL recommended places to visit in Cote d'Or
Map of places to visit near Chanceaux
Markets in and near Chanceaux
- Venarey-les-Laumes: market Wednesday (20km)
- Montbard: market Friday (31km)
- Dijon: market Wednesday & Tuesday & Thursday & Saturday & Friday (32km)
- Chenove: market Wednesday & Sunday (33km)
- Longvic: market Sunday (37km)
- Chatillon-sur-Seine: market Saturday (40km)
- Saulieu: market Saturday (45km)
- Nuits-Saint-Georges: market Friday (46km)
- Ancy-le-Franc: market Thursday (51km)
More information about Chanceaux, Burgundy
Tourist attractions near Chanceaux, France
What to do at Chanceaux? Some places with official tourist classifications and other places of interest to visit nearby that should provide inspiration if you are visiting Chanceaux.
Grand sites of France
- Alesia (17km)
Heritage sites
- Fontenay Abbey (28km)
Most beautiful villages in France
(see also beautiful French villages)
- Flavigny (14km)
- Chateauneuf-en-Auxois (34km)
National Monuments
- Bussy-Rabutin Chateau (15km)
Recommended detour towns (fr: plus beau détour)
- Chatillon-sur-Seine (41km)
Churches and religious monuments
- Abbaye de Fontenay (Montbard) (31km)
- Basilique de Saint Andoche (Saulieu) (45km)
Remarkable gardens
- Potager du château de Lantilly (26km)
- Abbaye de Fontenay (28km)
- Parc et jardin du château de Barbirey sur Ouche (30km)
- Abbaye de la Bussière (33km)
- Jardin du moulin de Athie (35km)
- Château d'Arcelot (38km)
- Parc de Saint-Léger (51km)
- Jardin de la Chaux (54km)
Protected historical centre (fr: secteur sauvegardé)
(see also historical French towns)
- Dijon (32km)
Sites of natural beauty
- Siège d'Alésia (17km)
Villages in bloom 4* (fr: ville fleurie)
- Quetigny (38km)
Geography and distances
Distance to Chanceaux
from Dijon (prefecture): 33 km
from Paris: 230 km
from Calais: 434 km
from Nice: 468 km
from Bordeaux: 505 km
from Strasbourg: 254 km
Getting here
Chanceaux is in the eastern-center of France. Most visitors drive from one of the channel ports such as Calais or Dunkirk, a drive of about 6 hours, or fly into one of the Paris airports and hire a car. For driving distances to Chanceaux from anywhere in France see driving distances and route planner.
We have 6 other places listed as being close (less than kilometres from ): Billy-les-Chanceaux, Blessey, Oigny, Pellerey, Poncey-sur-l'Ignon and Saint-Germain-Source-Seine.
This page in French: Visiter Chanceaux


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Size Guide
Chest | Waist | Hips | Hollow to Floor
Size 2 | 53cm | 51cm | 51cm | 60cm
Size 3-4 | 58cm |56cm |56cm | 89cm
Size 5-6 | 64cm | 61cm | 69cm | 102cm
Size 7-8 | 69cm |66cm |79cm | 109cm
Size 9-10 | 74cm | 71cm | 79cm | 119cm
Size 11-12 | 81cm | 76cm | 86cm | 127cm
Size 13-14 | 86cm | 81cm | 89cm | 132cm
Care Instructions
Colours of our Maryanne dress...
Lilly + Bo ~ 21A Tudor Close Hove BN3 7NR
Please view further terms here
Cynthia ~ Flower Girl Dress in White or Ivory
If we do not have this item in stock there is roughly a 14-30 day turn around for delivery on our LILLY + BO COLLECTION.
Lilly + Bo has designed this beautiful high quality dress for Flower Girls or First Communion Dresses. This dress is perfect those special occasions. Your little girl will immerse herself in a twirl of colour and style and discover her inner Princess!
Size 1 | 49cm | 46cm | 46cm | 50cm
Olivia ~ Flower Girl | Communion Dress in White or Ivory
'Olivia' is our gorgeous layered lace satin and tulle dress with a matching Bolero Jacket for Weddings and Communions.
You will be contacted regarding sash colour.
Olivia is part of our custom made collection. Please allow 2-4 weeks for delivery.
Size 2 | 53cm | 51cm | 51cm | 84cm
Size 3-4 | 58cm |56cm |56cm | 97cm
Size 5-6 | 64cm | 61cm | 69cm | 107cm
Size 7-8 | 69cm |66cm |79cm | 119cm
Francis ~ Flower Girl or First Communion Dress
If we do not have this item in stock there is roughly a 14-30 day turn around for delivery on our LILLY LOVE COLLECTION.
Holly ~ Flower Girl Dress
A gorgeous layered lace a-line lace dress. Floor length with a scooped neck and a low back. Perfect for your bohemian style boho wedding. Choose the dress with or without a train.
Holly is made of cotton and satin.
Serena ~ Flower Girl Dress
Serena is made of lace, tulle and cotton. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Fleur ~ Flower Girl | Communion Dress
'Fleur' is our gorgeous dress with a satin bodice and tulle skirt with a gorgeous V shaped back with twelve covered buttons.
Our tulle cape with gold or silver trim and hearts.
~ Folklore Fairy ~
Our gorgeous tulle dress with a velvet bodice.
~ Lilly + Bo ~
A gorgeous summer party dress.
~ Lilly Loves ~
Sold Out


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AC Milan 2018/19 Kids Home Jersey
- Add to wishlist Added to Wishlist
Few jerseys are as iconic as the red and black stripes that AC Milan take the field San Siro in. The red and black stripes earning them the nickname Il Diavolo (The Devil) which is represented on the AC Milan 2018 / 19 Kids Home Jersey, embroidered under the back collar. Built with Puma Dry CELL technology the jersey wicks away sweat to help keep them dry and comfortable. The jersey features key supporter details, like the iconic club crest and embroidered gold star that represents their 10 Italian Serie A titles. Finished with a classic styled fold-down collar they will be looking game ready while cheer on the Rossoneri in the AC Milan 2018/19 Home Jersey.