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Visa U
SA Interchange Reimbursement Fees The following tables set forth the interchange reimbursement fees applied on Visa financial transactions completed within the 50 United States and the District of Columb ID: 6504 Download PdfEmbed code:
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Visa U
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I went up to the Upper Peninsula of Michigan on vacation, (hence my silence for a few days), and toured almost the whole thing. I could have driven to Florida and back with as many miles as I put on my car, and I never left my home state. It was beautiful. The top pic … Continue reading Wild.
Tag: Mental Illness Recovery
Day 103
In 24 hours, I will be well on my way up north, (God willing)! I'm so excited! It almost doesn't feel real. Currently, it's a little after 6 a.m. here and I'm enjoying my morning coffee with my cat on the deck. We are trying to get our "outside" time in before it's too hot. … Continue reading Day 103
Day 102
It's Independence Day! My favorite holiday! I kind of wish I could celebrate it by doing something civilly disobedient like opening a business or something, but I can't so... I'm going to help my friend do some deep cleaning. Yay! Then I'm probably going to head to bed early so I can set my sleep … Continue reading Day 102
Day 100
This is my second morning waking up and doing things smoke-free! It's also the 100th day since our governor locked everything down. I'm celebrating one of those. Today, I'm organizing things for my trip in a serious kind of way because I'm headed to a friend's house until probably Sunday morning. I don't want to … Continue reading Day 100
I have gone 30 hours without a cigarette. It's a pretty big deal. I am serious about it this time. I don't want to be a smoker. It smells bad, tastes gross, and most importantly- costs about a zillion dollars. It also irritates other people around me and it isn't what God has planned for … Continue reading Quitter.
I did it! I cleaned all day. I also did three or four loads of laundry and folded it and put it away. I started a list for my trip and started pulling things to pack. I'm feeling super accomplished. I even found some "me time" during the afternoon by streaming some stuff to watch … Continue reading Yay.
Day 88
The sun is shining and I think my friend and I are headed for the beach! It will be good to get her out of the house and for me to see the water. I'm always better when I see the lake. For those that haven't seen it, Lake Michigan is so large that it's … Continue reading Day 88
Day 87
Well, our "state of emergency" has been extended through the middle of July. Allegedly, the governor still wants to have things opened up by Independence Day, but I am not holding my breath. In the meantime, I've been trying to live as normally as possible. I got my new computer for school yesterday, so I'm … Continue reading Day 87
Day 86
I'm feeling confused today. I mean, it's not serious and I don't know how to even go about explaining it here, but I just feel confused about a situation. There's that. Thankfully, I have therapy here in a little bit to help sort things out. I have to go on a road trip to collect … Continue reading Day 86
Day 85
It's a gorgeous morning this morning, but it's supposed to get HOT. I guess it's just supposed to keep getting warmer through the weekend, so I'm going to have to get up earlier to enjoy the mornings... I had a busy day yesterday, so I'm kind of playing it low key today. I have a … Continue reading Day 85

subset: commoncrawl


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Do Cystic Pimples Go Away Apr 8, 2015. Professional treatments for cystic acne are often too pricey or may. Can you ' pop' acne cysts the way you do pimples?. BEFORE YOU GO. Jojoba Oil Vs Castor For Acne Mar 14, 2017. Natural oils are effective at treating oily, acne-prone skin and scars. Carrier oils like Sea Buckthorn, Broccoli Seed,
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Mar 14, 2018. WATCH How a teen cleared her acne using cheap products. and after doing extensive research online, she created her own skincare routine.
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Feb 13, 2017. Acne is practically a rite of passage—one that teens have gone. Patients are also required to participate in the iPledge online program.
In this game you have to help one poor boy who just needs your help, because it appeared in a desperate situation. A few hours before the appointment, his face just spilled a lot of acne and blackheads. Now even ashamed to go to the street, to say nothing about dating and our goal by any.
Sep 15, 2017. Pesky pimples remain regular issues for approximately 50 million Americans per year. The good news is there is hope for banishing those.
Acne be Gone, Squeeze as many zits in the time allowed
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in recent years an entire scene has grown out of people such as PewDiePie streaming video games online. Be it live streaming on Twitch, or Let's Plays or other types of video content on YouTube, gamin.
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Eating Grapefruit For Acne Fruits are truly nature's gift to human beings, but did you know that eating the "wrong" fruits when you have acne could cause you to breakout? What are the "wrong" fruits? What are the "right" fruits? In this article, I talk more in depth about how fruits can cause acne and breakouts. If you love
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This is a handsome man but he's having a problem with acne! Let's help him get rid of the pimples so that he can look handsome again!
Isotretinoin is a medicine that dermatologists prescribe to treat severe acne. you buy this medicine from an online site that does not require a prescription.
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Hi Dianasaur! I started to see improvements in the first couple of weeks. By the end of month 1, my acne was almost entirely gone, and nothing new had sprouted either.
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More Acne Articles ...
- How To Get Rid Acne Redness: If your ingrown hair(s) looks more like acne, with lots of redness and potentially puss, your doctor might also suggest using a product with benzoyl peroxide to help resolve the issue. A few more tips. Jun 29, 2013. If you have popped a pimple and yo...
- How To Draw Zits Characters: Wu isn't the only trans woman drawing comics. rare to see LGBTQ characters as anything other than punchlines or broad stereotypes in popular media," Andrew Farago, the curator of San Francisco's Ca. To use this cheats tool to help you win at Sto...
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Spring Hill Real Estate - Find Your Perfect Home For Sale!
Spring Hill Listings Summary
Spring Hill - Town vs. County Stats
Avg Price in Spring Hill: $274,300 / County Avg $342,000
Avg Taxes in Spring Hill: $2,400 / County Avg $2,500
Avg Sq. Ft. in Spring Hill: 2,052 / County Avg 2,241
Avg Price per/ft2 in Spring Hill: $134 / County Avg $153
Avg Walkscore in Spring Hill: 21 / County Avg 14
Avg Year Built in Spring Hill: 1995 / County Avg 1995
Avg Days on Website in Spring Hill: 85 / County Avg 104
Spring Hill Real Estate Market Health
|Areas in Spring Hill FL
|Spring Hill-Brooksville
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Now showing items 1-1 of 1
Prevalence of Chlamydophilia Pneumonia antibodies in women with Pre-Eclampsia in Lagos, Nigeria
(West African Medical Journal, 2012)
BACKGROUND: The precise aetiology of pre-eclampsia has remained unknown. It is still a major contributor to maternal and perinatal morbidity and mortality. OBJECTIVE: To determine the relationship between preeclampsia ...


text: lauras 0 #1 April 3, 2009 Mark your calendars! Oren's running his 7th annual 4-way Scrambles this Memorial Day weekend. All levels are encouraged to participate - just have an A license, 4 jump tickets and $25 to cover video on every round. A number of freeflyers and CRW dogs have participated in the past so don't be shy if you think your RW skills are a little rusty. 15 teams were assembled last year and this year should be just as great! The Format: - Show up at Skydive City/Zhills at 8am SHARP, Sunday morning - Register with Oren & hand over your tickets & $25 (exact change would be great) as soon as possible. - You will be assigned a team according to your experience level. Each team is comprised of an experienced 4-way competitor, 2 experienced/intermediate jumpers and 1 rookie. We try to distribute as evenly as possible to keep things fair. - 4 rounds are jumped during the course of the day & judged. There will be video on every jump. Points are tallied on a score board. - Sally Hathaway (former Team USA 4-way champion) will provide free coaching for the teams. - No ringer teams EVER. The competition is very tight and last year 1 or 2 points separated second through ninth place. Plenty of prizes as usual. Last year's top teams won 40% off Wings Certificates & Wings tee-shirts; 30% off any Aerodyne Canopy Certificates & a free pack job from Nylon City; 30% Michigan Suits Certificates & PD tee-shirts from Paragone Rigging; 20% off Michigan Suits Certificates; 50% off Michigan Suits Certificates and the random drawing was held for: 2 free pack jobs from Nylon City, a helmet bag from Paragone Rigging, 2 30% off Certificates with tee-shirts, tube stoes & lanyards from Sky Systems, and a L&B Solo, Optima & Viso. Aerodyne also sponsored goodie bags for every participant. Karl Meyer dethroned Bu Klinge and is the current King of Scrambles. The team captain that defeats him gets to throw Karl in the swoop pond (I haven't told him this part yet, shhhhh). Come witness the drama! Contact Oren at okalbATYahooDOTcom with any questions or if you'd like to register earl Quote Share this post Link to post Share on other sites


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Diners can enjoy a wide range of Asian dishes such as sushi rolls, soup, salads & Hibachi
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Media Flames Race Riots in Minneapolis
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Published on 01 Jun 2020 / In Film & Animation
Day 3 in Minneapolis. The leftstream media fans the flames of race riots. Meanwhile video surfaces of George Floyd's message to black youth.
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|10.021 billion
|The Surgery
|The Doctor
|enlightened science
|mg of olanzapine
|lab rat
The Candlewhisper Puppet of DoNoHarm is a gargantuan, environmentally stunning nation, ruled by The Doctor with an iron fist, and remarkable for its keen interest in outer space, punitive income tax rates, and restrictive gun laws. The hard-nosed, cynical, humorless, devout population of 10.021 billion patients are ruled without fear or favor by a psychotic dictator, who outlaws just about everything and refers to the populace as "my little playthings."
It is difficult to tell where the omnipresent, corrupt, moralistic, socially-minded, well-organized government stops and the rest of society begins, but it juggles the competing demands of Defense, Environment, and Education. It meets to discuss matters of state in the capital city of The Surgery. The average income tax rate is 98.4%.
The large but sluggish DoNoHarmian economy, worth 731 trillion mgs of olanzapine a year, is driven almost entirely by government activity, with private enterprise illegal. However, for those in the know, there is an enormous, deeply entrenched, extremely specialized black market in Furniture Restoration and Basket Weaving. The private sector mostly consists of enterprising ten-year-olds selling lemonade on the sidewalk, but the government is looking at stamping this out. Average income is 73,024 mgs of olanzapine, and distributed extremely evenly, with little difference between the richest and poorest citizens.
Smiling in public is seen as criminally suspicious behaviour, student athletes gaze forlornly at abandoned lab ratball fields, the words 'private' and 'enterprise' must never appear in the same sentence, and sleeping on the job is recommended. Crime, especially youth-related, is totally unknown, thanks to a capable police force and progressive social policies in education and welfare. DoNoHarm's national animal is the lab rat, which frolics freely in the nation's many lush forests, and its national religion is enlightened science.
DoNoHarm is ranked 204,217th in the world and 429th in Forest for Largest Insurance Industry, scoring -28.52 on the Risk Expulsion Effectiveness Rating.
National Happenings
Most Recent Government Activity:
- : DoNoHarm's influence in Forest fell from "Minnow" to "Nipper".
- : DoNoHarm's influence in Forest rose from "Nipper" to "Minnow".
- : DoNoHarm's influence in Forest fell from "Minnow" to "Nipper".
- : DoNoHarm's influence in Forest rose from "Nipper" to "Minnow".
- : DoNoHarm was ranked in the Top 1% of the world for Healthiest Citizens.
- : DoNoHarm was ranked in the Top 5% of the world for Most Advanced Public Transport.
- : DoNoHarm was ranked in the Top 10% of the world for Highest Poor Incomes.
- : DoNoHarm was ranked in the Top 10% of the world for Highest Economic Output.
- : DoNoHarm was ranked in the Top 1% of the world for Lowest Crime Rates.
- : DoNoHarm was ranked in the Top 1% of the world for Highest Average Tax Rates.


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- Bedrooms:
- 2
- Bathrooms:
- 1
- Sleeps:
- 4
- Type:
- Chalet
- Pets allowed:
- Yes
- Wi-Fi available:
- Yes
- Per night:
- $117 - $274
- Per week:
- $364 - $1146
1 Full bath
Description from manager
This welcoming lodge is situated on the outskirts of Dumfries, Scotland and can sleep four people in two bedrooms.Kestrel Lodge is a lovely detached lodge situated on the outskirts of Dumfries, Scotland. All rooms are on the ground floor. It has two bedrooms: one double and one twin, with a separate family bathroom. Down the hall has an open-plan living room with a fitted kitchen and dining area. Outside has a small decking area. Off-road parking is available for one car. Kestrel Lodge is the perfect getaway for small families.
Amenities: Electric heaters. Electric oven and hob, kettle, toaster, fridge/freezer, microwave, washing machine, tumble dryer, iron with ironing board, TV with Freeview, a selection of books and DVDs. Fuel and power inc. in rent. Bed linen and towels inc. in rent. Travel cot and highchair. Off-road parking for two cars. Front decking area. BBQ available. Two well-behaved pets are welcome. Sorry, no smoking. Shop 5.6 miles and pub 5.3 miles.
Region: From the lush green farmlands of the Borders to the ruggedness of the Highlands, the Scots are proud of their land and identity. Scotland also has some of Britain's best beaches with glorious stretches of clean sand over which to roam.
Town: Dumfries is a market town in the area of Dumfries and Galloway, Scotland. Some writers have suggested that Dumfries dates back to the Roman era, though no undeniable evidence has been found of this. Boasting the Dumfries Museum, with an 18th century windmill, as well as a selections of local stores, pubs and restaurants. Dumfries is also famous for its annual music festivals, attracting many tourists each year.
Read more Read less
Manager profile
Sykes Holiday Cottages
- Years listed:
- 10
Languages spoken: English
About the manager
Sykes Holiday Cottages are specialists in cottage holidays. On our website, you will find more than 17,000 cottages across the UK that you can be rent for your perfect self catering holiday. Sykes Holiday Cottages offer properties all over the UK and Ireland. For more information on Sykes Holiday Co...View manager's full profile
Other properties from this managerHIGHFIELD, one bedroom romantic cottage, private patio, WiFi, nr Cromer Ref Roughton United Kingdom From $113.69/night The Little Bower, Hawes Hawes United Kingdom From $127.43/night 3 PRIMITIVE CROFT, end-terrace, pet-friendly, woodburner, enclosed garden, in Chelmorton United Kingdom From $121.18/night More properties from this manager
- Payment
- This owner does not use online booking. Please contact them and they will be able to offer you a secure way to pay for your stay. Never pay for your holiday rental by wire transfer (such as Western Union or Moneygram) as this type of payment is untraceable.
- Smoking
- No smoking at this property
- Bedroom 1: Queen Bed
Bedroom 2: 2 Twin beds
- Heating
- Private garden
- High Speed Internet
- Linen provided
- Parking Included
- Pet Friendly
- Towels provided
- Wi-Fi available
- Freezer
- Kettle
- Microwave
- Stove
- Toaster
- Washing machine
- 1 Full bath
Reviews for this vacation home rental in Kirkgunzeon, United Kingdom Have you been a guest of this property? Reviews
Help other travelers decide where to stay
This holiday home hasn't got any reviews yet. The average rating on Vacation Home Rentals is four out of five. This place could be newly added or perhaps it's a well kept secret. Either way, it's time to reveal all.


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The is an order to everything. A balance to the world and the nether-realms beneath the world. And now that balance is being tipped, as dark forces gather like a storm. The occult mutants known as Salem's Seven are once more banding together. But this time, it's to bring their father, the nefarious Nicholas Scratch, back to life. If they should somehow succeed...pray for the Fantastic Four's souls!
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The Big Draw, the campaign for drawing was started in 2000, it was headed by the illustrator Quentin Blake who is well known for his illustrations for the Roald Dahl books. In the art department at Poltair this year we celebrated the ability for everyone to draw no matter what their age, ability or background by looking at the work of Quentin Blake and creating our own Blake like life size drawings of students at Poltair. The students had one lesson only to achieve this and the final piece had to be a collaborative piece of work. Year 7 and 8 students took part and thoroughly enjoyed creating their works of art. All of the pieces of work are now on display in the canteen and many students and staff have commented on how fantastic they look... Well done guys!!
Helping to support parents and students with the transition from Primary to Secondary School
Well done to all the excellent work students are producing please see some examples of the work completed each day during distance learning.
Dear Parents and Carers
As you may be aware, the statutory guidance from the Department for Education around Relationships and Sex Education has changed. Here at Poltair School, we have worked hard to think about how to teach this to our students, making sure that our lessons are engaging and designed to suit the needs of all of our students in an age appropriate manner. Students will have a lesson called Personal Development once a fortnight, in which this and other topics will be covered. This was formerly known as Morals and Ethics.
We would like to get feedback from our community in order to finalise our policy on the delivery of this important curriculum area. Our draft policy is available on our website for your consideration, and we welcome any questions, comments or feedback via email to Clare Price ([email protected]). When we are able to open up the site to parents and carers, we will hold a review and consultation meeting at school to consider our policy and delivery further. Please send any communications by 10th July 2020 at the latest.
Policy - Relationships & Sex Education
It is important that all children, families and professionals are able to contact key staff to share information in respect of safeguarding and concerns.
Following the wider opening of all CELT schools, there is now a member of the safeguarding team on duty in school every day. Please contact the school directly and ask for the DSL if you have any concerns you wish to discuss.
The dedicated CELT e mail address is still in operation and can be used if, for any reason, you are unable to contact the school;
This will be monitored during office hours only, Monday to Friday.
However, you should contact the Police or Social Care if you feel that a child is at risk of immediate serious harm.
A reflection on the ideas, thoughts, feelings, surroundings and effects of the Corona school closures on Poltair pupils.
The Poltair Art Department have started a Poltair Pinterest page.
Students are emailing work they have completed at home to their teachers, the work is then showcased on the page.
Some fantastic work on there already:


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Psychology experts indicate that watching a lot of violence on television can lead to observational learning of aggressive behavior. How can strategies for critical viewing limit this influence?
Examine the primary reasons why medical tourism is becoming popular among Americans, and determine whether or not the health care industry should encourage this consumer beh
For this Assignment, review the Petrakis case study in this week's video and note how supervisory and leadership skills are portrayed. Identify attributes of leadership style
The economy begins in the long-run equilibrium. Then one day, the president appoints a new chairman of the Federal Reserve. This new chairman is well known for his view that i
Write a short essay comparing two social scientific attempts at defining "religion" to John Bowen's definition. Bowen's definition: "I propose to define religion in two stag
Identify at least two juvenile delinquency reduction efforts / programs currently in operation in your community. Determine the main sociological theories that underlie these
What is the optimal shape geometry for a tensile specimen? Why? Which material was stiffer? Why? Did the values for E match the theory? If not, why? Which material was mor
Write a program Average.java that just prints the strings that it is given at the command line, one per line. If nothingis given at the command line, print "No arguments".
Describe the effect of latitude on the amount of solar energy available in December in the northern and southern hemispheres. List two factors other than latitude which m
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Grave marker for Obe Byng
Goode in Plot: B, 0, 673 A of the Saint Augustine National Cemetery,
Saint Augustine (St. Johns County), Florida.
Obe enlisted at Camp
Blanding, FL; on November 17, 1943 and caught up with the 508th in
England about one year later. He was transferred from Service
Company to Company C and fought in the battle of The Bulge where he was
wounded and received the Purple Heart.
Copyright and all other rights reserved by the
Family and Friends of The 508th Parachute Infantry Regiment Association or by
those who are otherwise cited,
For problems or questions regarding this web site, please contact


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|Duplicate Users
This is enabled by default and works in conjunction with other filters.
This removes all duplicate usernames for a fair chance of winning the prize.
|Anything Goes
This is selected by default.
This filter will not do anything special, It will enter everyone that commented on your Youtube video in the giveaway.
|Keyword Filter
Great for seeing who's watching your videos and who isn't.
Search for comments by text, word, answer or a hashtag. Simply input your word of choice in the input field and load the comments.
|Top Rated Comment Filter
Find the most liked comments on your video
Top Rated Comment Filter as the name suggest, keeps only the highest rated comments in the pool
Choose between 1 and 10 top liked comments and randomly pick ONE or ALL to be the winners.
|First Comment Filter
New Feature! Find the First CommentQuickly find who made the first comment on your video. Works great with a Custom Filter as you can find who answered a question correctly first, when combined with a Keyword Filter.
|Custom Filter
Mix and Match Filters for a custom giveaway
Combine multiple filters together to create your own mega filter, as an example combine Keyword and Bitcoin filter together and only comments that contain both of those are entered in a giveaway.
This option is great for crypto giveaways and it does two things.
First: It will scan every comment for a valid Bitcoin, Litecoin or Ethereum Address.
Second: Any duplicate addresses are ignored; the oldest (first) comment is entered.
A Youtube Comment Picker is a fully automated way of selecting a random comment from social media platforms such as Youtube. Check our other services on top of the page
A good comment picker will have ways of removing duplicate users. A great one will have many. We offer several ways to filter comments - Such as Bitcoin, Litecoin, Ethereum and Keyword filters. This gives everyone an equal chance of winning and it's as fair as it can be.
This comment picker is written in PHP and we use the rand() function to generate a random number between 0 and the number of comments, after a random comment is picked it's then shown - there's no magic behind it.
Our Youtube Comment Picker is also FREE.
You certainly can. You can use any of our tools to hold contests, raffles and sweepstakes and we will make sure that it's as fair as it can be.
We are currently implementing more ways to reward your audience and adding additional options of selecting a winning comment randomly.
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Imagine you did a Youtube Video where you asked your viewers to guess a topic or answer a question and the first person that gets it correct wins, You can now do this with our Custom Filter by combining Keyword Filter with First Comment Filter and that will pick the first person as a contest winner.
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Give your community voice, combining Keyword Filter with Top Rated Comment Filter on your YouTube or Instagram, you can create a Poll-Like scenario where your users can vote on a topic. This can be extended further to even create a scenario where your community can vote someone's comment to the top, this is only scratching the surface.


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Led Zeppelin 1975 London
Robert Plant Led Zeppelin
Cod 775 LED ZEPPELIN Showground Sydney Australia 27 February 1972
Robert Plant Led Zeppelin robertplant Robert Plant Led Zeppelin
Jimmy Page fears that construction work at the house in Holland Park West London will damage the structure of his Grade I listed house and vibrations will threaten its richly decorated interior
Turn up the volume to eleven and get inspired by these classic Zeppelin looks
Now THIS is the news we were waiting for from Spotify A little Coda to today s Spotify event in New York City one of the great rock bands of all time is c
Led Zeppelin
Fifty years ago Led Zeppelin was born in a London basement In a new photo book the band pulls back the curtain and shares stories from their legendary career
LED Lamps or Light-weight Emitting Diode Lamps actually use mild emitting diodes as a chief supply of mild. The level of gentle emitted by Mild Emitting Diode is very fewer when compared to incandescent and compact fluorescent lamps; hence Lamp companies put many Light Emitting Diodes jointly to type a LED lamp. Because of the fast improvement during the diode technologies, lamps are bettering at a fast tempo as a result changing several other types of lamps. As LED lamps are broken if subjected to high temperatures, hence Lamp Brands Make certain that heat management components are extra to the into the Lamp Lights. These warmth management components are usually warmth sinks and cooling fins. The vast majority of LED Producers in market provide lamps Using the promise of extended support existence and significant Electrical power efficiency. They offer Lamps for 2 different types of reasons i.e. • Typical lights • Specific-intent lights LED suppliers think that led Lights have quite a few competitive positive aspects above other types of lights. Many of them are mentioned beneath: 1. Extensive daily life expectancy two. Minimal Vitality intake 3. No glass tubes involved, as a result no danger of breaking up. 4. Immune to vibration and effect. 5. Wide selection of coloured lights might be fashioned. six. High Luminance As there are numerous Lamp makers obtainable out there now, indulging into intense Opposition among the by themselves, they have to make certain that They may be supplying the highest quality and a suitable top quality control process. A lamp producer that is certainly certified, perfected and Licensed is thought to be a trusted supplier of a high quality Led lamp. Lamps are now being massively generated for the subsequent purposes: • Website traffic lights • Floodlighting of structures • Domestic lighting • Stage lighting • Develop Lights for Plants • Automotive lighting • Unexpected emergency lights • Bicycle lights • Billboard displays • Flashlight • Public Transit Vehicle Location signs • Railway alerts • Coach lights Lots of mild lamp companies think that the process of earning a led lamp is a very complicated course of action. Though they are seeking their most effective to promote these lights at reasonably aggressive or lower price ranges but mainly because of the superior technicality amount, the cost stages are still higher. Though, the extremely extended lifestyle expectancy of lamps is beneficial with the buyers on a single hand but is problematic with the companies, given that their business enterprise is dependent on The purchasers who get Repeated light-weight replacements.


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Measuring agricultural sustainability at the farm-level: A pragmatic approach
With increasing political pressure to produce more food whilst being environmentally and socially considerate, alongside the need to cope with climatic extremes and financial instability, farming needs to become more sustainable. To monitor and improve understanding of sustainable agriculture, farmers will need additional tools to illustrate the impacts of their business decisions. However, current tools to monitor the sustainability of agriculture require measurement of variables that are rarely readily available. Moreover these tools exclude farmers in their development and interpretation. This paper suggests a pragmatic approach to creating a farm-based monitoring tool. We propose that farm-level indices of sustainability are initially based only on data that is readily available. Whilst this would increase its appeal to farmers and therefore participation rates, it may initially have little immediate value as a measure of sustainability. Therefore a 'design-action-design' cycle‐the basis of adaptive co-management‐ must be employed to allow the tool to evolve. Starting from this pragmatic, bottom-up perspective, as data collection systems improve, more theoretically driven (i.e. top-down) site-specific variables of sustainability can be included to provide a more comprehensive tool. This paper illustrates the principles involved by (i) calculating a farm-specific composite sustainability index (CSI) for a commercial farm based on readily available data and (ii) emphasising the need to establish better data collection systems.
37 References.
No Supplementary Data.
No Article Media
No Metrics
Keywords: Composite sustainability index; farm-level; policy; pragmatism
Document Type: Research Article
Affiliations: .
Publication date: July 1, 2013
More about this publication?
- An international forum and source of reference for those working in agricultural management and related activities, including social, economic and environmental aspects of food production and rural development.
- Editorial Board
- Information for Authors
- Submit a Paper
- Previous issues of the Journal of Farm Management
- Previous issues of the Journal of International Farm Management
- Ingenta Connect is not responsible for the content or availability of external websites


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Working at Gordons
We offer all the benefits of working for a large, national firm, such as focussed career progression and wide ranging opportunities to get involved in business development, alongside the friendly and down to earth ethos of a smaller firm, where you get to know everyone.
We provide:
- 25+ days holiday per year, plus statutory holidays and option to purchase additional holiday
- A group personal pension
- Life assurance of 3 x salary, death in service benefit
- Employee Assistance Programme, providing information and advice on health and well being topics, as well as 24 hour access to a counselling service
- Enhanced maternity & paternity packages
- Interest free season ticket loans for travel
- Discounted car parking
- Perkbox discount app, offering discounts on shopping, food & drink, entertainment and health & fitness
Sports & Social
We expect you to work hard, but we know that you have a life and commitments outside of work. Making sure that our staff have a good work/life balance is a priority. We want our staff to enjoy their time at work and encourage firmwide social events and activities throughout the year including summer BBQs, Christmas parties, charity walks and after-work drinks.
For those wanting to participate in sports and activities, Gordons has both football and netball teams as well as staff run lunchtime fitness sessions.
For the more musically minded, you can join the Gordons band or attend the Workplace Choir.
@gordonsllp TweetsFollow @gordonsllp on Twitter
RT @BradfordMfg: #Covid19 has required a rethink on how we manage #BradfordMW20 but we have excellent ways to ensure this year's eve… https://t.co/yvXd9tORDH
We're proud to have offered our support to the launch of How I See Tomorrow – a global children's artwork initiativ… twitter.com/i/web/status/12807…
The events of Covid-19 have demonstrated that nobody knows what lies around the corner, but planning for the future… twitter.com/i/web/status/12801…
The Corporate Insolvency & Governance Act 2020 came into force on the 26 June. The Act includes permanent and tempo… twitter.com/i/web/status/12783…


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Coyotes Recall Prosvetov; Assign Capobianco to Tucson
January 11, 2020 - American Hockey League (AHL) - Tucson Roadrunners News Release
GLENDALE, ARIZONA - Arizona Coyotes President of Hockey Operations and General Manager John Chayka announced today that the Coyotes have recalled goaltender Ivan Prosvetov from the Tucson Roadrunners, the club's American Hockey League (AHL) affiliate. The Coyotes have also assigned defenseman Kyle Capobianco to the Roadrunners.
The 20-year-old Prosvetov has posted an 11-3-0 record with a 2.38 goals against average (GAA), a .931 save percentage (SV%) and a shutout in 15 games with the Roadrunners this season.
Last year in his only season in the Ontario Hockey League (OHL), the 6-foot-5, 176-pound native of Moscow, RU registered a 36-11-1 record with a 2.94 GAA, a .910 SV% and four shutouts in 53 games with Saginaw. He finished third in both shutouts and wins among all goaltenders and was named to the OHL Third All-Star team.
Prosvetov was originally drafted by the Coyotes in the fourth round (114th overall) in the 2018 NHL Entry Draft.
The 22-year-old Capobianco has a goal in 10 career games with the Coyotes over the past three seasons. The 6-foot-1, 196-pound native of Mississauga, ON has registered 4-16-20 and 29 penalty minutes (PIM) in 23 games with the Roadrunners this season.
Capobianco was originally drafted by the Coyotes in the third round (63rd overall) of the 2015 Entry Draft.
• Discuss this story on the American Hockey League message board...
American Hockey League Stories from January 11, 2020
- Eagles Point Streak Snapped in 4-2 Loss to Roadrunners - Colorado Eagles
- Johns, Stars Stun Marlies in 5-3 Comeback Victory - Texas Stars
- Late Zykov Goal Pushes Wolves Past Rampage - San Antonio Rampage
- Post Game Notes: Stars 5 vs. Marlies 3 - Texas Stars
- Griffins Win Third Straight, Move into Tie for Fourth - Grand Rapids Griffins
- Alex Lyon Roars to 37-Save Shutout against Laval - Lehigh Valley Phantoms
- Early Lead Dissipates Quickly in Loss - Manitoba Moose
- P-Bruins Top Springfield Thunderbirds, 5-2 - Providence Bruins
- Wolves Sweep San Antonio - Chicago Wolves
- Amerks Drop Heartbreaker to Crunch - Rochester Americans
- Penguins Stun Wolf Pack with 3-0 Shutout Win - Wilkes-Barre/Scranton Penguins
- Daccord Posts First Career Shutout in Utica Win - Belleville Senators
- Bears Mash Monsters, 4-2 - Hershey Bears
- Crunch Rally Past Amerks, 5-4 - Syracuse Crunch
- Lorito and Bourque each score during first game of Military Appreciation Weekend - Bridgeport Sound Tigers
- T-Birds Denied 6th Straight Win in Fierce Showdown with Bruins - Springfield Thunderbirds
- McCormick's Hat Trick Leads Checkers to 5-2 Road Win - Charlotte Checkers
- DeSmith Controls Wolf Pack in 3-0 Loss to Pens - Hartford Wolf Pack
- Monsters Clipped by Bears in Hershey, 4-2 - Cleveland Monsters
- Comets Shutout by Belleville - Utica Comets
- Barracuda Overheat, Fall to Stockton 2-0 - San Jose Barracuda
- Coyotes Recall Prosvetov; Assign Capobianco to Tucson - Tucson Roadrunners
- Zagidulin Earns First AHL Shutout in Saturday Win - Stockton Heat
- Admirals Top IceHogs in OT - Milwaukee Admirals
- Condors Home Tonight for Pet Leash Giveaway at 7 p.m. - Bakersfield Condors
- Monsters Sign Defenseman Brandon Anselmini to Pro Tryout Contract - Cleveland Monsters
- Rocket Extend Win Streak to Five, Thump the Crunch 7-5 - Laval Rocket
- Defenseman Eric Knodel Recalled from Reading - Lehigh Valley Phantoms
- Rochester Americans Game Preview: Saturday, January 11, 2020 at Syracuse Crunch - Rochester Americans
- Game Day Build-Up: Senators at Comets, January 11 - Belleville Senators
- Game Preview: Bears vs. Monsters, 7 PM - Hershey Bears
- Defender Christian Djoos Re-Assigned to Hershey - Hershey Bears
- Game 35 Preview: Tucson at Colorado - Tucson Roadrunners
- Reign Rally Falls Short against Bakersfield - Ontario Reign
- Mahura Lefts Gulls in Overtime - San Diego Gulls
- Iowa Falls to San Diego 4-3 in Overtime - Iowa Wild
- Roadrunners Drop First Road Game Since November 30 - Tucson Roadrunners
- Condors Cap Road Trip in Style with 5-3 Win - Bakersfield Condors
The opinions expressed in this release are those of the organization issuing it, and do not necessarily reflect the thoughts or opinions of OurSports Central or its staff.


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Posted in Illinois August 27, 2016
Here Are 11 Unique Day Trips In Illinois That Are An Absolute Must-Do
Want to take a really nice trip, but don't want to spend the night? Don't worry – there are loads of great trips where you get a lot in during just one day. Here are 11 suggestions for great day trips in Illinois.
We're aware that these uncertain times are limiting many aspects of life as we all practice social and physical distancing. While we're continuing to feature destinations that make our state wonderful, we don't expect or encourage you to go check them out immediately. We believe that supporting local attractions is important now more than ever and we hope our articles inspire your future adventures! And on that note, please nominate your favorite local business that could use some love right now: https://www.onlyinyourstate.com/nominate/
Got more than a day? Take this awesome weekend road trip.


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The UK-Brazil Conversa is a dialogue between policy makers and influencers, business leaders, academics, diplomats and governments, to help build closer relations and contacts between Brazil and the UK.
Conversa 2020
- Online
Conversa 2020
Founded in 2014 by former UK Ambassador to Brazil, Alan Charlton, the Conversa is an annual forum for influential people from a variety of backgrounds – business, government, diplomacy, academia, think-tanks – to discuss key issues relating to UK-Brazilian relations.
Alternating between the UK and Brazil, it was established to help explore how to make more of the contacts and links between the two countries. In order to encourage free-flowing and open conversations, discussion groups are small and sessions are held under the Chatham House rule.
This year, Conversa will take place online.
For more information please contact Joe Brandon [email protected]
Share This Event
Share this event on social media using the buttons below.


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Bhardwaj made the announcement in an online video conference hosted by SAI in which the SOP was presented. "This SOP will be implemented immediately as of now. However, only activities that are permitted under the government guidelines will begin," he said.
It was however stated that the SOP will be inferior in places where they may clash with the guidelines of the specific state government. Additionally, Bharadwaj said that it is only a "broad reference document" and will need to be adapted according to the conditions of the particular region.
"The protocols are effective immediately. It is a broad reference document. Depending on local conditions, it needs to be customised. If state government has not permitted certain sections, then their guidelines of state government will take precedence," he said.
The senior Indian hockey teams and 10 track and field athletes who are training for the postponed Tokyo Olympics are at SAI Bengaluru while a number of elite track and field athletes including star javelin thrower Neeraj Chopra are at NIS Patiala. The Bengaluru centre was recently given a jolt when a cook working there died of cardiac arrest and later tested positive for COVID-19.
SAI had announced the formation of the six-member committee led by Bharadwaj on May 10. A separate committee headed by Executive Director, TEAMS Division of SAI Radhica Sreeman was formed for formulating SOPs for swimming. Opening of stadiums and sports complexes for athletes was among the guidelines issued by the Ministry of Home Affairs on May 17 while announcing an extension of the nationwide lockdown that is in place to stem the spread of coronavirus.
"I'm happy to inform sportspersons and all concerned that sports activities will be conducted in sports complexes and stadia strictly in accordance with MHA guidelines and that of the States in which they are situated. However, use of gyms & swimming pools are still prohibited," Sports Minister Kiren Rijiju later said in a tweet.
--IANS rkm/bbh
( 409 Words)


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Tax planning is a tax-payer practice that decreases his or her tax burden by allowing the best reasonable use of all available permissible deductions, credits, exclusions, etc. That is to say, from a tax point of view, the analysis of a financial situation. The aim of tax planning is tax efficiency insurance. Tax preparation enables optimal revenue flexibility for all aspects of the financial strategy. For budgetary efficiency, tax preparation is important.
Importance of corporate tax strategy
In general, tax preparation approaches are used to help a corporation meet its financial and market goals. Tax preparation has benefits for large and medium businesses and planning plays a significant part in:
- Reduction of taxable income
- Tax rate reduction
- Enable greater power over the payment of taxes
- Maximization of tax relief/tax credits allowances
Tax Planning Objectives:
- Minimum Action: Conflict remains between the collector and the taxpayer. Under these conditions, the enforcement of tax payments is essential to be properly enforced and used to reduce friction.
- Productivity: Channeling taxable revenue to multiple investment programs is one of the most significant purposes of tax preparation.
- Elimination of tax liability: As a taxpayer, a good agreement of your corporation acting in compliance with the appropriate laws would enable you to recover the amount from the payable tax.
- Healthy economic development: development in an economy primarily depends on the population's rapid increase. Tax preparation forecasts the output of the free flow of white money.
- Economic stability: When tax planning is properly maintained behind a business, stability is reinforced.
Check Various Types of Tax Planning
- Short- and Long-term Financial preparation: The tax planning that is carried out every year to meet particular targets is referred to as short-term tax planning. Nevertheless, long-term tax preparation does not require any urgent payments.
- Tax Strategy: The strategy here is by the tax policy.
- Purposeful tax planning: This is the approach of tax preparation focused on rule breakthroughs.
- Tax preparation is a concept used to efficiently control a person's income and to enforce tax laws in a measured manner. To take advantage of tax benefits in keeping with the legislation and the national interest and its citizens.
India's Tax Policy
Indian law offers taxpayers a multitude of tax-saving opportunities, enabling you to restrict your total tax production with a broad selection of choices for exemptions and deductions.
The deductions may be claimed by qualifying taxpayers as per sections 80C to 80U. All these deductions overrule tax obligations. Other sections will lower the tax liability under the Income Tax Act, 1961 such as exemptions and tax credits.
Tax preparation by businesses
It is a means for a licensed corporation to reduce its liabilities. One of the most commonly utilized approaches is to provide discounts for travel, employee health care, etc. Your company can legitimately significantly reduce the tax burden through tax deductions and allowances offered under the 1961 Income Tax Act.
Rising business earnings imply higher tax liabilities. Under these situations, they must commit ample time to taxes to reduce liabilities. In the case of inflation, a budget program reduces all direct and indirect taxation. Not just that.
Know the basic schemes and objectives of effective tax planning and plan your annual tax filing effectively.


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This study will determine whether vertebral body tethering is a safe and feasible method of treatment for pediatric idiopathic scoliosis.
Accepts Healthy Volunteers
Healthy volunteers are participants who do not have a disease or condition, or related conditions or symptoms
Study Type
An interventional clinical study is where participants are assigned to receive one or more interventions (or no intervention) so that researchers can evaluate the effects of the interventions on biomedical or health-related outcomes.
An observational clinical study is where participants identified as belonging to study groups are assessed for biomedical or health outcomes.
Searching Both is inclusive of interventional and observational studies.
|Eligible Ages
|8 Years - 16 Years
Trial ID:
This trial id was obtained from ClinicalTrials.gov, a service of the U.S. National Institutes of Health, providing information on publicly and privately supported clinical studies of human participants with locations in all 50 States and in 196 countries.
Phase 1: Studies that emphasize safety and how the drug is metabolized and excreted in humans.
Phase 2: Studies that gather preliminary data on effectiveness (whether the drug works in people who have a certain disease or condition) and additional safety data.
Phase 3: Studies that gather more information about safety and effectiveness by studying different populations and different dosages and by using the drug in combination with other drugs.
Phase 4: Studies occurring after FDA has approved a drug for marketing, efficacy, or optimal use.
Lead Sponsor
The sponsor is the organization or person who oversees the clinical study and is responsible for analyzing the study data.
|Lawrence Haber
Principal Investigator
The person who is responsible for the scientific and technical direction of the entire clinical study.
|Lawrence Haber, MD
|Principal Investigator Affiliation
|Ochsner Health System
Agency Class
Category of organization(s) involved as sponsor (and collaborator) supporting the trial.
|Overall Status
|United States
The disease, disorder, syndrome, illness, or injury that is being studied.
|Scoliosis, Spinal Curvatures, Spinal Diseases, Bone Diseases, Musculoskeletal Disease, Adolescent Idiopathic Scoliosis, Juvenile; Scoliosis
Scoliosis is a condition in which the spine is deformed by a curvature in the coronal plane. It is generally associated with a twisting (axial plane) deformity as well. It can have a variety of underlying etiologies and the etiology is used to classify the types of scoliosis. Idiopathic scoliosis is sub-classified in two ways: by age of onset and by magnitude of deformity. Curves between 10 and 25 degrees are considered mild. Curves between 25 and 50 degrees are classified as moderate. Curves greater than 50 degrees are termed severe. The current standard of care for moderate scoliosis in patients with remaining growth is to utilize a thoracolumbosacral orthosis (TLSO brace) to prevent progression of deformity. The scientific evidence has supported the efficacy of this intervention in avoiding progression of the Cobb angle to 50 degrees or more. If treated with a TLSO brace, many idiopathic scoliosis patients would conceivably be subjected to years of brace wear and the cost and psychological factors inherent therein. Additional downsides of brace treatment include the potentially negative psychosocial impact of wearing an external sign of deformity during adolescence, a key period of emotional development. Prior research has identified negative psychosocial effects related to wearing a brace in children. Recent evidence has suggested that certain curve patterns will likely progress to 50 degrees or more, despite treatment with a TLSO brace. Sanders, et al. demonstrated a correlation of Cobb angle (greater than 35 degrees) and skeletal maturity (bone age 4 or less) to the risk of progression to 50 degrees or more, despite TLSO bracing. The evidence supports that the current practice of TLSO bracing is not an effective treatment to avoid progression to 50 degrees in these patients. It is on this population (thoracic Cobb angle greater than 35 degrees, bone age of 4 or less) that we intend to test the safety and feasibility of Anterior Vertebral Body Tethering to avoid curve progression to 50 degrees. The study intervention is surgical orthopedic implantation of the Anterior Vertebral Tether Device, by way of thoracoscopic surgery under general anesthesia. The primary outcome measures include assessments of safety of the insertion procedure and of the device, as well as the secondary measure of feasibility by determining the ability to successfully implant the investigational device.
Experimental: Anterior Vertebral Body Tethering
Subjects who will be undergoing the anterior vertebral body tethering surgery.
Device: - Anterior Vertebral Body Tethering
Vertebral body tethering through anterior thoracoscopic approach under general anesthesia and fluoroscopic guidance.
If you are interested in learning more about this trial, find the trial site nearest to your location and contact the site coordinator via email or phone. We also strongly recommend that you consult with your healthcare provider about the trials that may interest you and refer to our terms of service below.
Ochsner Health System- Jefferson Hwy
New Orleans, Louisiana, 70121
Site Contact
Lawrence Haber, MD


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Nagra threw some shade on an otherwise "exemplary" presentation from Tele2 at Cable Congress last week, saying that the transformation to machine learning and advanced streaming analytics techniques is not representative – describing a "much messier" process for most operators.
The industry is seeing the control plane being driven by commoditized hardware and the virtualization of services including the head-end, online video player and encoding. But, warned Nagra's SVP Marketing Ivan Verbesselt, we should be aware that content pirates have exactly the same horizontal infrastructure.
While widespread, this is something we have observed most recently in the agreement between Comcast and Harmonic, placing the control plane in the middle of the network and the data plane out among the forwarding components, like the RF tuners, to create a new operating system for a converged cable access platform (CCAP).
Faultline has covered network technology takeaways in plenty of detail in separate Cable Congress articles, so we'll take a look at the content side of the coin now. Verbesselt launched into an amusing but perfectly suited dessert analogy for the cable industry in the sense of reaggregation versus fragmentation.
He warned of a fragmentation tipping point, whereby consumers are becoming overwhelmed having to trawl through numerous content silos in an aggregated operator environment. Think Netflix plus Amazon plus HBO plus Disney+ plus AppleTV+ plus countless sports services – and that's just scratching the surface of aggregable OTT video offerings. Operators can aggregate until the cows come home but without a bundling discount, this super-aggregation strategy becomes pointless.
Operators can take on three forms of chocolate – a jar of M&Ms (basic), a layered chocolate mousse (more-refined), or a layered chocolate mousse with adding toppings (more integrated). There is no wrong choice.
Firstly, Verbesselt's jar of M&Ms approach to super-aggregation is where an operator is happy with a simple HDMI-1 integration – bundling in OTT applications alongside each other in a single streaming device like an Android TV set top. He admits that this hardly qualifies as super-aggregation, but is not to be scoffed at for the purpose of fitting the roadmap of an operator more focused on broadband.
Next up is the layered mousse, where operators serve up an uncluttered and easy to navigate UI comprising content from a variety of sources. Here, Verbesselt warns, operators must master efficient OTT content onboarding by including features such as single sign-on and cross-application search to an extent – linking the metadata of the underlying OTT bouquets.
Finally, an operator can jazz up its layered mousse with toppings while using its own content catalog and UI as the anchor tenant for integration. Deeper integration and more efficient metadata linking increases an operator's ability to realize active content monetization, he highlighted, suggesting AI-assisted catalog curation and promotion while embracing OTT add-ons.
"Most cablecos will have a layered cake in their pursuit of super-aggregation. They can include things like single sign on to smooth over the process, but ultimately this involves some element of fudging. However, there will never be another single operator-branded catalog accessible through a monolithic UI, equivalent to a homogenous chocolate mousse," he concluded, drawing a mix of genuine and nervous laughs from the Cable Congress crowd.
Figures were cited showing that 77% of pay TV operators believe they will emerge as super-aggregators in the future. "But this is like asking people if they are better than the average driver – 90% will say yes," jested Verbesselt.
Elsewhere in Berlin, there was a rare cameo appearance from Sky at a show dominated by Liberty Global and Vodafone. This came in the form of Sky Deutschland MD of Legal, Regulatory and Distribution, Dr. Holger Enßlin, who could only apologize for a recent outage to the Sky Ticket service in Germany. "This was a bad experience, but we will learn a lot," was all he could say on the matter.
Trends for 2020 were discussed briefly in a panel coined 'There is Nothing Permanent Except Change'. Enßlin pointed to aggregation as his number one trend for next year in the cableco sphere, while VodafoneZiggo CEO Joreon Hoencamp said – rather un-insightfully – "the proliferation of apps". Hoencamp specifically cited partnering with OTT services rather than competing with them as a key trend, which is actually a six-year-old trend.
Liberty Global Board Director Miranda Curtis, however, provided some genuine insight. "Deployment of capital is the biggest challenge facing Liberty Global. But we are now seeing B2B growth outperforming consumer growth and there are huge opportunities not being addressed by executives," appearing to direct this comment at C-level execs not just outside the Liberty empire, but inside too.
European regulations were naturally a hot topic at Cable Congress, as last week's coverage showed, although there were disagreements. Vodafone Group's External Affairs Director, Joakim Reiter, said the European Commission should shift its approach from innovation by permission, to innovation first, instead of micromanaging businesses.
While some speakers scrutinized draconian regulations in Europe, particularly in Germany, Curtis described European policies as some of the "most rational, pragmatic and consistent we have seen in the world."
If that was the case, Cable Europe would not have been forced into changing its spots to GigaEurope, although we certainly approve of the rebrand and hope it serves as revitalized face for the cable industry.


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What is Northwestern Mutual?
Northwestern Mutual is a mutual company that was founded in 1857. It had a rocky beginning, when the trustees borrowed $100 to pay a $100 loan. It focused solely on life insurance until 1969, when it added disability insurance. In the next few decades, they added other forms of insurance and started an investment arm.
Quick Facts
- Founded in Janesville, WI
- Has 5,500 employees
- Holds $1.6 trillion in life insurance policies
- Sales in 2015 reached $27.9 billion
- Third largest life insurance provider in the U.S.
What Is a Mutual Company?
According to Investopedia, a mutual company is owned by its customers. For this reason, profits do not go to the shareholders like with publicly traded businesses. As Northwestern Mutual reviews on Ripoff Report point out, these profits go to the policyholders in the form of dividends, effectively lowering monthly payments.
As a customer of a mutual company, you benefit because it focuses on long-term planning. Because the company is privately owned by its policyholders, it doesn't have to play to the fickle stock market each quarter like most corporations do.
See Also: Best Credit Unions in the U.S. (Top Ranking List and Reviews)
What Does Northwestern Mutual Do?
Northwestern Mutual has a number of products and services. They fall into the following categories:
- Life insurance
- Long-term care insurance
- Disability insurance
- Investment products and services like mutual funds
Is Northwestern Mutual Safe?
The most important concern for insurance customers is stability of the company. It must survive tough times and have the money to pay out when you need it. Northwestern has a long history of paying their claims.
Fortunately, you don't have to judge them by their past performance alone. The Northwestern Mutual review on US Insurance Agents lists the current financial strength ratings from the agencies. They are as follows:
This means that Northwestern earned the best ratings possible from every agency except S&P, which awarded their second best score. The company was praised by each of these agencies for their large capital cushion and high income from monthly premiums. It also ranked highly for risk management.
What Is Their Life Insurance Like?
Nerdwallet's Northwestern Mutual review highlights the many life insurance options available from this company. They offer:
- Term
- Whole Life
- Universal Life
- CompLife
- Variable Life
The first category — term insurance — only protects you for a fixed number of years, then expires.
Image source: Big Stock
The next two — Whole Life and Universal Life — are permanent insurance. They give you coverage for as long as you live. They pay annual dividends and have a cash value that grows by paying premiums.
The final two are hybrid products. CompLife combines the benefits of term and permanent life insurance, while Variable Life combines whole life with the ability to invest your premiums yourself.
Some Northwestern Mutual reviews on Ripoff Report point out that the company's dividends often beat other investments like CDs or bonds, and your cash in the policy is tax-deferred. This year, the interest rate on their permanent insurance products will be a respectable 5.45%.
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What Are the Life Insurance Reviews Like?
Most of the Northwestern Mutual reviews are excellent. Credit Karma gives 4.6 stars out of 5, with praise like "best in its class" and "amazing service." Viewpoints rates the company 4.4 out of 5, with 88% of reviewers likely to refer a friend to Northwestern. Consumer Affairs awards a nearly identical 4.38 stars. Insure.com gives the company 86.9 points out of 100. Even J.D. Power gives Northwestern an impressive 820 points, second only to State Farm in its satisfaction ranking.
Of the Northwestern Mutual complaints we found, the majority mentioned the high cost of insurance policies in comparison to their competitors. Top Life Insurance Reviews and Expert Insurance Reviews both gave the company 3.5 stars out of 5 in the price category for this reason. One reviewer on Credit Karma claimed that customers would be steered to a Northwestern product even if it wasn't the best fit or value.
Other Northwestern Mutual complaints were more concerning. A couple of reviewers on Free Advice and Credio claimed that the permanent insurance was a "rip off." Other customers on Epinions said that their agent ignored them after the sale or didn't pay claims when they became disabled.
Perhaps some of these bad Northwestern Mutual reviews were caused by confusion. J.D. Power notes that 46% of insurance customers don't really understand their policies. There are a huge number of choices, and agents may not explain them adequately. For example, the Variable Life plans require customers to plan their own investments, and unlike most life insurance policies, they can suffer a loss.
What Is Long-Term Care Insurance?
People are living longer today than ever before, but unfortunately they are not always healthy. If you have a sudden injury or develop a chronic illness like Alzheimer's disease, Northwestern Mutual reviews on Free Money Finance point out that you could spend all your savings quickly.
That's where long term care insurance comes in. If you have this insurance, you are covered if you can't live independently for an extended period of time. You can get help with personal care like eating and bathing, or household tasks like cleaning. Unfortunately, Medicare and private health insurance don't cover many of these expenses. Sadly, a study by Northwestern found that only 29% of Americans have a plan for long-term care.
Related: Best Banks in Australia (Ranking: Biggest Banks, Best Savings Accounts)
How Are the Northwestern Mutual Reviews for Long-Term Care Insurance?
The reviews for this insurance were decidedly mixed. The American Association for Long-Term Care Insurance liked Northwestern's liberal attitude toward claims, their financial stability, and the possibility of dividend payments. However, they note that there is no way to get a shared couple's policy, healthy individuals don't get a discount, and the plan choices were surprisingly limited.
Similar Northwestern Mutual complaints were found about inflexibility on the Long-Term Care Blog. The writer also comments that women can be charged up to twice as much for a Northwestern plan as with other highly rated companies.
However, it may be that the higher premiums are due to the insurer's desire to face reality. Kiplinger's points out that cheaper insurers like MetLife and Prudential left the market a few years ago due to spiraling costs, but Northwestern stayed. Consumers Advocate's Northwestern Mutual review praises the insurer for not even raising premiums at that time.
What Is the Disability Insurance Like?
Disability insurance is similar to long-term care insurance in that it cares for you while you are alive. However, it differs in that it replaces a portion of your income if you can't work due to sickness or injury. These benefits can also be tax-free.
Two Northwestern Mutual reviews on Viewpoints were very positive about the company's disability insurance. One man had to quit his dentistry practice because of Parkinson's disease but was fully covered.
Many Northwestern Mutual complaints mentioned that their policies got worse in recent years. Insurance specialists on White Coat Investor pointed out that doctors might stop receiving disability payments if they could do a similar job, even if it wasn't in their specialty.
Image source: Big Stock
What Are Northwestern Mutual's Investment Products Like?
As one Northwestern financial review on Yelp pointed out, the company offers a variety of services that can help you with all your investment needs. These options include:
- Brokerage services
- Investment advisory services
- Annuities
- Education funding
- Trust services
- Private client services
- Fee-based financial planning
Most of the Northwestern Mutual investment reviews complemented the great service and attention they received from the company. One customer on Yelp felt that his agent was excellent at explaining complex topics. Another woman was pleased that her advisor had excellent qualifications and training.
Complaints about the investment services usually focus on costs and flexibility. The Northwestern financial review on IRA Reviews deducted one star from the company's rating because all trades had to go through an agent. The Brokerage Review awarded 3 stars out of 5 because fees were expensive for small transactions, especially compared to online discount brokers.
Despite the generally positive attitude toward Northwestern, the company did settle a lawsuit last year for $84 million. Some customers claimed that the company unjustly cut the dividends to owners of annuities, a form of retirement savings. Hopefully, the insurer has worked out a way to be fair to all their clients.
Popular Article: Top Banks in Canada – Ranking | Best High Interest Savings Accounts – Canada
Is Northwestern Mutual a Good Company?
Based on our research, we think it's an excellent company. Multiple ratings agencies give Northwestern their highest score for financial stability. It's owned by its policyholders, so it doesn't profit at the expense of its clients. While dividends are not guaranteed, the company has paid them every year since 1872, which is an incredible track record. As one Northwestern financial review points out, the executives even prove that they are trustworthy, letting a customer committee look at the company's books every year.
Most clients are very satisfied with the service and products of Northwestern. Claims are usually paid out completely and without a fuss. They have one of the lowest ratios of customer complaints among insurers.
However, this is an old, conservative company, and it shows. Every transaction from an insurance quote to a stock trade has to go through an agent. This makes all the processes slower and less flexible, and drives up the cost. The fees may be partially offset by dividends, but they can be hefty.
As Consumer Search points out in their Northwestern Mutual review, it's a good idea to shop around before making a financial commitment. Quotes and fees can vary greatly between companies on very similar products. It's best to use an independent agent who represents many insurers and only wants to find the best fit for your situation.
NWM Is for You if:
- You want quality life insurance from a stable company
- You want one-stop shopping for your financial and insurance needs
- You have a lot of money to invest
- Your situation is complex and you need personalized advice
- You want less hassle with insurance claims
- You are a conservative investor
NWM Is NOT for You if:
- You have small amounts of money to invest
- You don't need a lot of financial advice
- You are a doctor and want disability insurance
- You are a married couple looking for long-term care insurance
- You like to use online tools
- You want to direct your own investments
AdvisoryHQ (AHQ) Disclaimer:
Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ's Terms for details. Also review each firm's site for the most updated data, rates and info.
Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.


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|Servings: 30 tab.
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Natrol 5-HTP is a dietary supplement containing 5-hydroxytryptophan obtained from African black bean seeds. It is available in the form of unique tablets that rapidly dissolve in the mouth, so they can be consumed even without drinking water. They have a pleasant, fruity taste, are free of sugar, artificial colors and flavors. They are suitable for people on a vegetarian diet.
5-HTP is the short name for 5-hydroxytryptophan, a chemical compound that is one of the non-protein amino acids. It is produced naturally in the human body; it is formed as a result of tryptophan transformations. It is also found in some plants – it most abundantly occurs in African black bean seeds (Griffonia simplicifolia).
5-HTP promotes a good mood. After intake, it easily crosses the blood-brain barrier and is easily converted into serotonin, which is one of the most important neurotransmitters in the central nervous system. It is responsible for regulating appetite, controls sexual needs, affects impulsive behaviors. Many researchers studying the problem of depression highlight the existing correlation between serotonin deficiency and deterioration of well-being. People with low levels of this neurotransmitter often complain about a bad mood, excessive fatigue, and a lack of desire to live. They also show greater sensitivity to pain and often struggle with controlling excessive appetite.
5-HTP helps to improve sleep quality. What is crucial in this case is also strengthening of the production of serotonin, which, together with its metabolite – melatonin, is responsible for regulating sleep. It has been observed that people with inadequate serotonin levels very often suffer from insomnia. Antidepressant properties of 5-HTP may also play an important role, because the good, stable mood and a sense of relaxation promote fast, carefree falling asleep.
5-HTP helps to suppress a hearty appetite. Researchers have spotted a relationship between low serotonin levels and a tendency to binge, especially on foods rich in simple sugars. Studies have shown that 5-HTP may also prove helpful for people who tend to overeat under stress.
In summary, Natrol 5-HTP is a very comfortable preparation that quickly raises serotonin levels and thus helps to improve mood.
As a standard, doses of 100-200 mg per day are used in supplementation. Higher doses are not recommended, although there are reports of 300-mg doses used in patients with deep depression. Nevertheless, note that since 5-HTP crosses the blood-brain barrier and easily increases serotonin levels, it is not recommended to consumer higher doses without specialist supervision. Also remember that the preparation is intended for temporary use rather than long-term, regular supplementation.
The supplement must not be combined with any antidepressant, especially SSRIs and MAO inhibitors.
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|per 1 tablet
|5-HTP (5-Hydroxytryptophan) [from Griffonia simplicifolia (seed)]
|100 mg
Xylitol, maltodextrin, cellulose gum, soy polysaccharides, polyvinylpyrrolidone, silicon dioxide, stearic acid, malic acid, magnesium stearate, beetroot extract, gum arabic, citric acid, natural flavor.
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5-HTP (5-hydroxytryptophan) is a metabolite of essential amino acid, tryptophan, involved in the synthesis of serotonin which is a neurotransmitter and a hormone responsible for the quality of sleep (melatonin). Used in medicine as an adjuvant, to a small extent supporting the treatment of depression and insomnia. Due to the presence of melatonin at the same time it is improving the quality of sleep and improving the regeneration process.
5-HTP is a component of supplements supporting the production of growth hormone and it is a part of some fat reducers (reducing appetite).
Dosage: Doses commonly used in supplements, depending on the purpose: 100-500 mg daily in divided doses, including approx. 50-150 mg before bedtime.
Extract Griffonia Simplicifolia is the source derivative of tryptophan (5-HTP), an important neurotransmitter involved in the synthesis of serotonin, and indirectly affects the production of melatonin (the hormone responsible for sleep). It is used to treat depression and inactivity. In the sports supplementation it is used as a neurotransmitter responsible for the quality of sleep and improving the regenerative processes, moreover, it is a component of supplements which enhances the secretion of growth hormone and fat burners.
Dosage: In terms of 5-HTP from several dozen to several hundred mg per day.
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Welcome to the PCC's Ministry and Mission page!
The PCC's Ministry and Mission page is a collection of our latest Ministry and Mission Tips, Resources and Ministry in Action stories that will help inspire and inform ways to make your ministry and mission happen! Be sure to check out our Equipping for… publications for more helpful resources and ideas in the areas of congregational life & leadership, faith formation, evangelism and mission, and worship.
Ministry Resource: Tips to Rock Your Church Newsletter
Use these newsletter writing tips to better help people stay connected through updates and announcements and draw people in closer to your church's mission and ministry.
Ministry Resource: Ways to be a Caring Church Community
God calls all of us to love each other. How well we care for each other will influence how well we care for our neighbours. This resource will help you build or strengthen the culture of caring in your church.
Ministry Resource: Tips for Effective Use of Photography
This resource contains tips for ensuring you have the consent necessary to use and share images of congregational life at your church.
Ministry Resource: How to Support Young Adult Leadership
This resource shares their suggestions on how congregations can support young adults to fully participate in the life of the church.
Ministry Resource: Ways for Churches to Create Partnerships in their Local Communities
This resource contains tips for how your church can build relationships and create partnerships with other organizations and people doing God's work in your community.
Ministry Resource: How to be a Great Church Greeter
As you strive to be the greeter that others remember as having warmly welcomed them into the church, this resource contains some important things to keep in mind.
Ministry Resource: Advent Traditions to Start With Your Family
Check out this resource that helps you to create Advent traditions that help you experience Christ's light and love.
Ministry in Action: Gaining Ministry Experience in Edmonton-Lakeland, AB
The Rural and Remote Ministry Grant encourages seminary students to gain ministry experience in a rural and remote congregation during the summer.
Ministry Tips: Planning Fun Summertime Activities for Church Families
The Illustrated Children's Ministry blog provides ideas to plan fun activities for church families and their friends to enjoy together.
Ministry in Action: Winnipeg Inner City Missions Providing Healthy Communities, MB
Winnipeg Inner City Missions, a Presbyterian outreach ministry, is committed to providing a healthy community for children, youth and families.
Ministry Resource: Called to Covenant Resource Books Available At Discounted Price
The Called to Covenant project seeks to strengthen relationships between congregations and presbyteries. Resource books are now being offered at a discounted price.
Ministry in Action: Grant Enables Participation at Canada Youth 2018
Every second summer, PCC grants help hundreds of youth, young adults and youth leaders join together to celebrate their vibrant faith at Canada Youth (CY).
Ministry in Action: Vacation Bible Camp in Uxbridge, ON
St. Andrew's–Chalmers in Uxbridge, Ontario hosted a fun, spirit-filled Vacation Bible Camp for more than 65 children and youth.
Ministry in Action: Gloucester Presbyterian Church's New Vision of Connection
Gloucester Presbyterian Church in Ottawa, ON, has embraced a new vision of connecting with neighbours.
Ministry in Action: Messy Church Explores Faith and Christian Community in New Ways in Lucknow PC, ON
Every month, the basement of Lucknow Presbyterian Church, "Messy Church", a new form of church helps families explore faith and Christian community.
Ministry in Action: Cornerstone, A Missional Ministry of Knox, Dunnville, ON
Cornerstone is a missional ministry of Knox Presbyterian Church in Dunnville, Ontario that shares the Gospel with families accessing Haldimand Pregnancy Care and Family Centre and wider community.
Ministry in Action: A Night of Praise and Worship at Montreal West PC, Montreal, QC
Once in decline, Montreal West Presbyterian Church recently celebrated its 127th anniversary with thanksgiving and praise.