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Being able to look after people you care about is one of the key concerns in life for many people. Good life insurance will ensure that they are well cared for after you have passed away. You can find some invaluable tips here for choosing the right policy for you and your loved ones.
Figure out how much you need with life insurance, and buy the right bundle. Over-buying can needlessly cost you too much money, as under-buying can stress your family out financially if a tragedy happens. You will feel more secure if you make the right life insurance decisions.
Compare prices between numerous companies prior to getting life insurance. Different insurance providers can have prices varying in up to 50% of the cost, so be sure to comparison shop on the internet. The quotes you get for life insurance need to factor in any medical history you have.
Your best bet would be to work with a financial adviser instead of a broker in order to get the best deal possible. Most insurance brokers are motivated by the commission that they earn by selling policies. But, financial advisers get paid a set fee. This means that financial advisers will give you an honest option, and won’t be desperate to sell to you.
If you have family members that depend on you, consider obtaining a life insurance policy. In case you die, your life insurance policy will provide your family with financial stability, be it to send your children to college or helping your partner to pay your home’s mortgage.
When you shop around for life insurance, try your best to get as many quotes as possible. Life insurance companies don’t all use the same actuarial tables; they assign different relative weights to the factors they use to set a premium. If you are a smoker, there could be rather big rate differences from one company to another, so take the time to call around, and review numerous quotes before you decide to buy.
Make life insurance payments yearly instead of monthly. By choosing to pay the premium annually, you can save a bit of money.
It is important to compare and consider multiple options before you make a commitment. While many policies have similar features, some policies last longer than others. Also, two of the same policy could have similar benefits, but one could be more costly than the other. It is incredibly important to conduct a thorough research on policy options before selecting the one best for you.
You may want to exercise before you go to a life insurance medical exam. Your blood pressure may actually rise, and this can provide false readings to the doctor.
Wondering about the amount of life insurance you need? First, you need to determine whether you need life insurance. If you aren’t married and have no children, you probably don’t need life insurance. A good amount to get is somewhere between five to 10 times what your annual salary is.
Before picking the life insurance you plan on applying for, it is best to compare quotes from lots of different companies. This comparison process can be done over the phone or online quite easily. Do not offer any personal information at this time, as just basic demographics are needed. Get as many quotes as possible before you choose the best deal.
Before you begin looking at life insurance, figure out what you needs are. If you do not have a good understanding of the kind of coverage you need, you could end up spending money on an inadequate policy. Either situation could mean losing out on a good rate for an ideal policy.
Life insurance, as previously mentioned, is one of the best ways to ensure your family’s safety in the unfortunate event that you are no longer around for them. By applying the tips provided, you’ll feel much better because you’ll know you have done all you can to protect your family.
Well, nobody plans on dying, but it happens. It is important to make certain that the financial security of your loved ones is provided for after your death. Read this article to learn more about life insurance, and make the right decisions.
When trying to determine how much life insurance to buy, consider your family’s lifestyle. When a loved one is no longer in the picture, needs will vary according to each family. Ensure that the coverage you choose is enough for your family when this happens.
Use a financial adviser to purchase life insurance instead of a broker. If a broker convinces you to take out a life insurance policy, he or she will earn commission. Most financial advisers are compensated with a flat fee. For this reason, financial advisers are more highly motivated to help you find the policy you need, rather than the one that will pay the highest commission.
Make sure that you tell them about any job or hobby that could be high risk. Your premium will be higher, but if the insurance carrier figures out you didn’t disclose material facts, they may deny a claim if you croak in the course of doing a high risk job or extreme sport. Keeping this information from them can be construed as fraud, and could cause huge penalties.
When choosing a life insurance firm to obtain your policy, it is important to make certain that the firm you decide on is financially sound and has a good reputation. You won’t get that much comfort from a cheaper policy that is actually from a firm that has a bad reputation, and the last thing you want is to feel unsafe about the policy you obtain.
Do not put in too much personal info on an online insurance form. There are a lot of con artists online that are looking to take your identity and make some quick cash. Remember, the only initial information you need to provide for a life insurance quote is your zip code.
If there are individuals that depend on you financially, you should think about getting life insurance. Life insurance can provide money to your spouse for bills or the mortgage, or even give your children money for college if you pass away.
The cost of premiums with different companies may vary up to forty percent. Search on the Internet for competitive rates from a number of providers, taking care to find one who will take your personal medical conditions into account.
Before you commit to a life insurance plan, get many quotes from different companies. Many companies use different methods to come up with a premium amount. For example, if you smoke or enjoy a risky habit like skydiving, your premium payments might be higher with one company than with another. You’re unlikely to find two exactly the same.
Dying is a natural part of life, and people have to accept that things just happen sometimes. It happens a lot sooner than people might plan on. If you don’t properly plan for the future, then your family could be left with nothing when you leave this earth. Heed the advice of this article and see that your intentions are met and your loved ones are cared for.
Life insurance isn’t always straightforward and can be quite tricky. Choosing the right policy and understanding its different clauses requires a lot of hard work. Read this article to learn how to select the best policy for you.
Work with a financial advisor to purchase life insurance, instead of a broker. An insurance broker earns a large commission from any insurance policy you purchase. Conversely, many financial advisers only get paid one flat fee. For this reason, financial advisers are less likely to push you into certain products and have more reason to deal with you honestly.
Work on improving your lifestyle and health before subscribing to a policy. Life insurance is a real expense. It is even more expensive if you are in poor health. Don’t purchase any life insurance until your body is in excellent shape. You should make improvements to your diet, and lose weight; do anything possible to help. Your costs will go down as your health improves.
Hobbies and professions that are risky or hazardous may cost you dearly when you purchase life insurance. If you can not afford the rates quoted you, consider giving up any dangerous hobbies such as skydiving or scuba diving. If you travel the world in areas that are considered dangerous, you may not be eligible for some discounts.
Tell your insurance company about any high-risk hobbies you participate in, such as skydiving or skiing. You should also disclose any job duties that may put your life at extra risk. Your premiums will be higher, but you will not risk being disqualified for coverage should the insurance company discover you have withheld information. In addition, failure to disclose risks can be considered fraudulent activity. You may have to pay large penalties or fines and in some cases, may even face jail time.
You should ensure your life insurance company has a good reputation when you are looking to enroll in a policy. While an inexpensive policy from a lesser known firm might seem attractive, it will be useless if they will not be able to fulfill the claim.
When you seek online information regarding life insurance, remember to safeguard your personal information. Many online scams claim that they will give you insurance quotes, while using your data to steal your personal identity. To find a good quote for life insurance, you really just need to disclose your zip code.
After purchasing life insurance, tell those who may benefit from it that it exists. Give the beneficiary information like the amount of insurance, where you keep the policy documents, and the contact information for the person to contact when the time comes.
Prices can vary significantly from company to company. Some research has shown that price discrepancy can be as high as 40 percent. You can compare insurance quotes using an online service. It is particularly helpful if the service can give you very accurate quotes per your medical history.
With this article, you should now have a better sense of going about getting any type of insurance for anyone, whether it be for your family or you. Applying this advice will assist you in going through all the unnecessary garbage in order to better understand exactly what you’re purchasing. Utilize the tips and techniques provided to obtain the perfect life insurance policy.


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Wendy Pua | Malaysia Chinese Lifestyle Blogger: Mobile Blogging is Live!
I am here blogging from phone via blogger app!
Nothing is too late to learn more!
Enjoy it with your beloved!

industry_corpus2: Others


text:
The guides below have been written by users and for users to supplement the official FFmpeg Documentation. If you're confused about something refer to the official documentation and if you're still having problems we can help.
How to quickly compile FFmpeg with libmp3lame, libaacplus and libx264?
Windows Media Player Encoding Tips?
Encoding for Streaming Sites such as justin.tv, twitch.tv, ustream.tv, YouTube Live, and other RTMP(E) streaming providers.
FFprobe Tips for getting frame rate, frame size, duration, etc.
Why was the ffmpeg -sameq option removed? What to use instead?
Projects - A list of free projects and programs known to incorporate work from FFmpeg.

industry_corpus2: Computing & Telecommunications


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Monmouth County: Sheriff Shaun Golden is pleased to announce the graduation of 82 newly sworn in law enforcement officers from the Monmouth County Police Academy. On May 14, 43 officers of the 88th Basic Course for Police Officers and 39 officers of the 42nd Basic Course for Class II Special Law Enforcement Officers received their police training commission certifications during a ceremony at Neptune High School’s Performing Arts Center.
The Basic Course for Police Officers is a 19 week program with 780 hours of training run through the Monmouth County Police Academy. The Basic Course for Class II Special Law Enforcement Officers is a three month program and consists of approximately 600 hours of training with full police powers while on duty. Both classes are run through the Monmouth County Police Academy and upon completion the officers are well trained and well prepared to serve their respective law enforcement agencies.
“These graduates have completed a rigorous training program, at a prime police academy from Monmouth County’s highly qualified instructors,” said Freeholder Lillian G. Burry, who presented the graduation address.
Sheriff Shaun Golden, Police Academy Director David Morris, Chief Terrence Mahon, Avon-By-The-Sea and Acting Prosecutor Christopher Gramiccioni presented the graduates with their certificates.
“Through their strong commitment and hard work we can be sure that these graduates, will serve our residents and communities well, as they begin successful careers in law enforcement,” said Acting Prosecutor Christopher Gramiccioni.

industry_corpus2: Law & Justice


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This is the page that is dedicated to the novel that I will hopefully one day manage to have published, it is currently untitled. For those who are interested it is historical fantasy. It is set predominantly in 1185. It began with the seed of an idea, what would happen if you introduced sorcery into the already complex world of 12th century England? My characters travel the length and breadth of the country from Portsmouth to the Orkney Islands at the behest of Henry II. I have been to the vast majority of the places that my characters visit and you will find many of them discussed in the non fiction area of my blog. It is an historical fiction novel first. I spent three months in England, Ireland and France researching it and last year I went to Ireland and the UK to research the sequel. It is very important to me that the fantasy informs the history rather than the other way around. I am not going to be posting the story here, partly because it is far too long and partly because, as I said, I am still holding out some hope of it being published. Putting it up online will not help this. What I will be doing is outlining some of the characters and discussing some of the places that they visit. As you might have seen from my other posts I have a fairly extensive collection of photos from my travel, most of them of historical places. I will be using these to inform any location discussion. Hope you might find this interesting.
Locations: Rouen, Winchester, Cambridge Bury St. Edmunds Castle Rising The Wash Lincoln, Fountains Abbey, Lannercost Priory, Hadrian’s Wall, Peveril Castle, Hereford Striguil (Now Chepstow), St Govan’s Chapel, Pembroke, Kirkwell, The Orkneys.
Been to 6 of your locations–I will buy your novel when it is published. Going to Rouen and Bayeaux next week!
Rouen and Bayeux are both wonderful. You might have a quite a wait for the novel but I’ll certainly put up information when/if it ever gets published. Thanks for your enthusiasm.

industry_corpus2: Literature & Emotions


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The new Peugeot Expert is part of the Marque's upmarket trend incorporating the new style codes, new equipment and a range of Euro 5 engines which position it as leader in its segment (private vehicles and light utility vehicles) as regards emissions of CO2.
Peugeot was one of the forerunners in the creation of compact vans and combis. Today, the restyling of the 3rd generation of the Expert symbolises the intention to continue the success of this model, with more than 475,000 units (private vehicles + light utility vehicles) produced since its first launch in 1995.

industry_corpus2: Automobiles


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Mirka, I asked my 10yo granddaughter. She said most kids would use OMG instead of yikes. If that doesn't sit well (and it doesn't with me, especially for MG), would "Whoa" work? Her 8yo sister sometimes says, "Dang," with a tone of wonderment, for something like this.
The 10yo said her circle of friends would probably say "She's so perfect," in place of "goody two shoes."
Yup, OMG doesn't sit well with me, (it's the fourth commandment thing, DANG! ) though it was the first suggested by my young'uns. They find my custom, in casual correspondence, of typing the G word with a space omitting the O most peculiar. No fundamentalist, I. But it's a sensitivity.
I like 'whoa,' though it has a different feel. I almost want to invent a word.
andracill-- did your 14 year old feel goodie 2 shoes was still kid-speak? And should I spell it with the numeral, as you have?
He said it's used, though not as often as other words (like teacher's pet).
I'd go with teacher's pet too.
I grew up typing G-d. This is what Jews did. However, items written on the computer because of the ephemeral nature are allowed to use the term spelled out. It's still weird to type God though.
I'm trying to figure out what my kids say instead of yikes. Best guess is they say what I say. Kids under ten are more likely to imitate adults for these expressions. Dang or maybe crap. Oh, and OMG is used for everything.

industry_corpus2: Subject Education


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Scammers constantly try to prey on trusting consumers. Across the country, utility companies and the FTC have received reports of scammers posing as utility employees.
Recently, several Athens residents received an email that appeared to be from “City of Athens Utilities,” and included an Athens Utilities customer accounts email that appeared legitimate. The email sender attempted to get payment and personal information. Please be aware that we will never attempt to collect payment or personal information over email.
In cases reported across the county, callers claim to be from a utility, telling the customer they’re in danger of having their power or other service cut off, sometimes within the hour, unless they pay immediately. These scammers often use spoofing technology to make it look like they are calling from the utility. Often, the caller directs the customer to buy a prepaid credit card and call back on a different phone number to pay the outstanding bill.
Imposters have knocked on customers’ doors, claiming to be a representative from the utility company. Frequently, the scammer claims that payment is overdue and service will be cut off if it is not paid immediately. In other cases, the scammers have claimed that a meter is not working properly and must be immediately replaced, at the customer’s expense.
Our employees will always wear a Hartselle Utilities uniform and carry identification.
If you are ever asked to pay your bill using a prepaid debit card or a wire transfer, that should be a red flag – the person is not representing Hartselle Utilities.
We will never call you and ask for payment over the phone; the only payments we accept over the phone are through our Convenience Pay service, and these calls must be initiated by you.
We do not collect payment or personal information over email.
We will not cut off your service after hours or on weekends.
There may be times during weather or other emergencies that a Hartselle Utilities employee may knock on your door, and this may happen on weekends or after hours. However, our employees will never demand payment from you.
How does Hartselle Utilities contact customers whose bill is overdue? If we have not received your payment by the due date listed on your bill, we will send you a reminder postcard – even if you normally receive your bill electronically.
If your payment is not received within 10 days, we will make a third attempt to contact you with an automated call letting you know that if your payment is not received within 24 hours, your service will be cut off. This automated call is made to the number we have on file; the number is printed in red on your bill. Please note that this is an automated call, never a live person demanding payment. These calls are made during regular business hours, so if you have questions about your bill you can immediately call our office and speak to a customer service representative.
Finally, if we still have not received your payment, we will send a Hartselle Utility employee to your home to cut off your service. The employee might knock on your door as a courtesy to let you know that your service is being turned off. You have the option of paying the employee, but he or she will never demand payment.
If you ever feel pressured for immediate action by a caller or a person claiming to be an HU employee, please call our Customer Service Department at (256) 773-3340.
Never give your personal or banking information to an unsolicited caller or person.
If you suspect a scam, please call us at (256) 773-3340 or email inquiries@hartselleutilities.org. Your reports help us fight these scams.

industry_corpus2: Power & Energy


text: You can save time when opening recently edited files by choosing Open Recent from the File menu. The last eight opened documents will be listed in its submenu. Select a document name to open it.


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The Ohio River Museum in Marietta is pleased to exhibit the extensive collection of the Sons & Daughters of Pioneer River men. While you tour, discover the golden age of the steamboat and learn more about the ecology of the Ohio River system. The Ohio River Museum consists of three exhibit buildings, the first chronicling the origins and natural history of the Ohio River. The history of the steamboat on the Ohio River system is featured in the second building, along with a video presentation on river steamboats. The last building features displays about boat building, mussels in the Ohio River system, and tools and equipment from the steamboat era.
Outside the museum, on the Muskingum River, visitors can take an escorted tour of the W. P. SNYDER JR.– the last intact steam-powered “pool-type” stern-wheeled towboat in the United States. After your museum visit, cruise the Ohio River on the Valley Gem, a working sternwheeler docked next door to the Ohio River Museum.
Other exhibits on the museum grounds include the pilothouse from the steamboat the TELL CITY, a full-scale reproduction of a flatboat from Ohio’s early settlement period, and an 1800 dug-out canoe used as a ferry between Fort Harmer and Marietta’s settlement. Also on site are a series of poles showing the heights of some of the worst floods to hit the area in its recorded history: the 1884 flood at 54.5 feet, the 1898 flood at 49.6 feet, the 1907 flood at 52.1 feet, the flood of 1913 at 60.3 feet, and the 1937 flood at 55 feet.

industry_corpus2: Travel & Geography


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if the Customs procedures are removed and clearer, the volume of transhipped goods shall sharply grow in Cai Mep port, which may reach 50% per year.
According to Tan Cang Corporation, Cái Mép deep-water port complex has great potential and is capable of receiving vessels with a tonnage of up to 20,000 TEU. In addition, the transshipment through Cái Mép port (Việtnam) port also has a great advantage in terms of time and price compared to many other countries.
However, at present, many regulations do not clarify between goods in transit and transhipped goods, which makes shipping lines disturbed because they involve many other binding regulations despite guidelines for transhipped goods t at a port and between ports.
Therefore, according to Tan Cang Corporation, if the Customs procedures are removed and clearer, the volume of transhipped goods in Cai Mep area shall reach a sharp growth of 50% per year with a capacity of 1.2 million TEU / year - 1.5 million TEU / year. Because the service route continues to increase at Cai Mep port and the goods and demand for transshipment among ships also rise. At present, the transshipment is facing problems with the provisions of Article 44 of Decree No. 08/2015 / ND-CP. Transhipped goods is goods transported from overseas to intermediate area, then directly transported to another country from this intermediate area and not to transport in the territory of Vietnam for export to another border gate except the case implemented according to international treaties that Vietnam is a member of Prime Minister’s decision. The transhipped goods is transported wholly or partly to another country.
In order to solve problems arising in the reality, the General Department of Customs drafted a decree amending and supplementing Decree No. 08/2015 / ND-CP in the direction of clarifying goods in transit and transhipped goods. In addition, obstacles in the transportation of transhipped goods among ports will be resolved in the direction that: the transhipped goods is goods moving from overseas to Vietnam to be transported to intermediate areas at a seaport and then transported to another country from this seaport or transported by inland waterway and seaway to intermediate areas at a different Seaport to transport to the country of destination. The transhipped goods is transported wholly or partly to the country of destination. Seaports for transshipment are seaports type IA and HCMC port.
In addition, in order to ensure the true nature of the transit and transshipment, it is expected that the draft decree will provide management policies for each type. For example, for transhipped goods, the Customs dossier shall only include The transportation declaration or the substitute of the declaration under the regulation of the Ministry of Finance; transportation documents and the Prime Minister's written approval for the transportation of goods banned from transshipment.
The draft decree shall clearly stipulate goods banned from transhipment (weapons, ammunition and explosive materials, military technical equipment; drugs; atomic waste and toxic chemicals on the list of toxic chemicals prohibited from import and export according to the provisions of Vietnamese law; goods subject to list of goods banned from commercial transactions under international treaties and united nations’ resolution and goods subject to list of banned goods that is only permit transhipped under the Prime Minister’s permission.
Representatives of many port enterprises have highly appreciated the guidelines of the General Department of Customs at the conference on August 9, 2017, to consult enterprizes about the draft Decree amending and supplementing Decree 08 / 2015 / ND-CP relating to Customs regulations for goods in transit and transhipped goods.

industry_corpus2: Transportation


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Guo Jin was born in Chengdu, Sichuan province, China.
He graduated from the Sichuan Fine Arts Institute, Chongqing.
He taught at the Sichuan Fine Arts Institute, Chongqing.
He was working residency at the Delfina Studios, London.
He lives and works in Chongqing and Beijing.
LIMN Gallery Art China !
Being Competent in the Beauty of Joy.


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🥇Pocket Legends download for PC? Great advantatge or Cheats to play?
Pocket Legends is a FREE online, multiplayer, fantasy adventure and 3D Massively-Multiplayer Online Role Playing Game (MMORPG). This smash hit made it's debut on the iPad and continues to be a fan favorite where players take on the role of a bear, hawk, or an elf and strive to save the world of Alterra from zombies, crocs, aliens, and more!
People who have played to Pocket Legends on PC (Windows 7/8/8.1/10/XP/Vista), Laptop or Mac, play with best controls, mouse and keyboard, they have an advantage!, they have improved their stats. Do not stay behind. Here the solution. With an Android emulator for PC!
Once everything is OK, just open the official Play Store Official and Search Pocket Legends mobile game. Make sure it is the correct game, there are always similar applications or games.

industry_corpus2: Gaming


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I wish there was technology that would allow me to feed you pages 83-87 of Jim Collins’ book Good to Great. It’ll be hard for me to nutshell it.
He tells the story of Admiral Jim Stockdale, the highest ranking officer at the Hanoi Hilton prison camp during the Vietnam War between 1965 and 1973. Collins had a conversation with Stockdale, asking him how the survivors survived and why the others didn’t make it out.
Yesterday you drew your battle lines. You decided on the various areas of your life that are worth fighting for.
Today, I’d like you to face the brutal facts of the current reality as it relates to those battle lines. This isn’t meant to be a discouraging exercise. It’s simply meant to give you an honest starting point.
Since we don’t want to overwhelm ourselves, I’d like you to pick the two most vital Battle Lines from yesterday’s exercise.
Pick one that is a little more difficult to measure: Marriage, parenting, spiritual life, or personal/intellectual growth, time management.
Pick two Battle Lines. Describe your current reality.
Write that Battle Line on the Day 4 worksheet.
Sit in silence. Think about what your situation currently is. Just meditate for a moment. Pray. Ask God to clarify the nitty gritty of where you are right now.
Write: Take a few minutes (5 to 10 is plenty) and put pen to paper or fingers to keyboard. Describe in as much gory detail as you’d like your current reality.
I weigh 214 pounds. I started 2013 at 210 and at times was as low as 202. This tells me I’m not very disciplined on the whole but I’m capable of being disciplined. I struggle with consistency in my morning workouts, sometimes because of lack of discipline, sometimes because I prioritize prayer/quiet times ahead of exercise.
My health, according to my doctor, is decent. My blood pressure is fine, not stellar. I drink too much coffee and, at times, have an extra beer or glass of wine that isn’t necessary. I mostly eat well during the day, but at night I over-snack after dinner unless I’m joining my wife in Weight Watchers point-counting.
I have a few more bullet points, but we’ll leave it at that. You get the picture.
Do not beat yourself up. We’re not hurling insults at ourselves. But we don’t need to pretend either.
Gently coach yourself: How would you describe yourself if you weren’t yourself? Be kind. Be gentle. But be honest. Be brutally honest if that’s what it takes. Face the facts.
As you have time, I suggest you go through this with the other Battle Lines you have on your list.
This can be tough work. When I first tackled this process, I took two full days and locked myself in a room. To sit and describe exactly where I stood felt gutsy. This type of honesty, even if it’s just between you and yourself, can be tough depending on where you are and where you hoped you’d be at this point in your life.
But I wouldn’t have called it a Challenge if it were all unicorns and chocolate rainbows.
Preview Day 5: Be of good cheer. Tomorrow we get to dream again and appeal to our hopeful imaginations: We’ll create a vision for a preferred and ideal future in each of the two Battle Lines you selected. Pretty soon we’ll be getting back to our list of goals.


text: In this study, we investigated the lifetime and self-oscillating behavior of a polymer chain with a high lower critical solution temperature (LCST). The polymer chain comprised 4-vinyl-4´-methyl-2,2´-bipyridinebis(2,2´-bipyridine)bis(hexafluorophosphate) ruthenium as catalyst for the Belousov–Zhabotinsky reaction and N-ethylacrylamide as the polymer main-chain with a high LCST when compared to N-isopropylacrylamide. We demonstrated that the self-oscillating behavior was significantly affected by the polymer concentration and measuring temperature. Moreover, we established that the lifetime of the transmittance self-oscillation can be predicted from the polymer concentration and measuring temperature.

industry_corpus2: Petrochemicals


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Breast Augmentation is surgical procedure that involves increasing of breast size ,shape and texture by removing fats from certain parts of the body or the use of implants. The implants can be silicon or saline in nature. It can also be a non surgical procedure which includes externally applied vacuum devices. In this discussion we are going to look at the importance of breast augmentation which include and is not limited to the following .It improves self esteem as breasts form an important part of personality. When a woman gets pregnant or older the breasts tend to sag or reduce in size thus one may loose confidence and have esteem issues. Through Breast augmentation one can regain their confidence and feel good of their new breast. Breast Augmentation can help improve the body figure as one is able to achieve the ideal breasts that they would like. Check DC Breast implants for more info.
Another importance is that breast augmentation can help if the body has not properly developed. This is common for women who may have not developed their breasts properly in the adolescence stage. Breast augmentation would be of great help to them as they would have a different outlook of themselves. Their breasts are able to be made in to the sizes they would like in accordance with the doctor's advice.
Breast may help women in balancing the hip and the breasts because some women may have large hip sizes and small breast sizes. Through mommy makeover dc women are able to balance the two perfectly. Breast Augmentation helps in post mastectomy this is when a cancer patient has one or both of their one can breasts removed due to breast cancer. Through breast augmentation the patients can be able to have new breasts with the texture and size they desire. This will help them regain their femininity.

industry_corpus2: Health & Medicine


text: New Nerval development with immediate occupancy. Two storey office/retail building with elevator and second floor common area washrooms. Unit size range from 1,120 sq. ft.± up to 21,710 sq.ft.±. Building is sprinklered. Tilt-up concrete and steel construction with high level of common area improvements and aesthetically pleasing building and exterior/landscaping. Includes one HVAC per unit. Fibre optic available in the near future. Pylon signage available.

industry_corpus2: Real Estate & Construction


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Very similar in look and feel to Daytona USA, except Indy cars instead of Nascars. The illusion of speed is amazing.
Requires a working Model 2B CRX PCB stack, just replace old rom board with this one. This game also requires analogue controls to be present.
High spec 2 channel analog in amplifer as used on all newer Sega systems from Lindbergh to Ringwide.


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Kirkendall Victorian circa 1885 with spectacular family room addition & separate artist studio. Tucked back from the street this hidden beauty offers fabulous living space & private grounds.
Covered patio greets you, spectacular entrance way/mud room with exposed brick and lots of natural light welcomes you in. Original living room & dining room with hardwood floors & character trim. Kitchen opens into the sun bathed family room addition with soaring ceiling, floor to ceiling windows, gas fireplace & walk out to private back garden with patio & pergola.
Main floor studio addition offers a second sun kissed space with glass doors & windows to front and back. Possibilities are endless – fabulous for artist, home office, main floor master, guest suite +++ Laundry & powder room round out the main floor. Upper level enjoys 2 spacious bedrooms + one super cute kids room/office or guest room + large bathroom with claw foot tub & separate shower.
Situated steps to HAAA, Locke South.
In school catchment for EK, St. Joe’s, Ryerson and Westdale.


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22) Exposition of the False Medium and Barriers Excluding Men of Genius from the Public.
Linton characterized this extraordinary pamphlet in his Memories as “a fierce onslaught on the publishers’ Reader and the Reviewers” that hadnot helped its author’s first work “to a too friendly critical appreciation.” The book was of such importance to him that had dedicated one of the late American publications to “The Author of the An Exposition of the False Medium, in token of admiration as well as of personal regard.” The publisher of this raging attack against the whole cultural sector was Effingham Wilson, an established bookseller, who had become famous by issueing some of the most explosive works of Jeremy Bentham like his Plan of Parliamentary Reform in 1819. Wilson was a continous challenger of British institutions in that he published statistics and revealed their negative consequences in “blackbooks”. The exposition of the vainness of “false mediums” like the Royal Academy and their characterization as “a pompous body of pretentions that confute themselves” must have been quite to his taste. The author of the Exposition comes to the conclusion that “false mediums” like professional editorial work or institutional instruction only perpetuate inbred mediocrity. Beyond the educational rudiments “no man is ever taught to do any thing great; he must teach himself. You may learn the grammar without going to college, and it is best for you not to go there.” And to make it even clearer he states with reference to the example of Shelley: “One of the highest honours that can attend a youth’s outset in life, is to be expelled from college, for manifesting a resistance to servile ignorance and brutal tyranny.” The author here tuned into Jeremy Bentham´s plea for a reform of the educational system, and he managed it to combine pragmatic Utilitarian approaches in an most unique and bizarre way with their contrary, the high-flying cult of genius of German idealism.
It is evident that such a decided vote for self-organized learning and the author’s disgust about the institutions’ mechanical coinage was capable to shape Linton’s self-conciousness as an unlearned poet, painter, researcher and historian of his craft substantially. And an analysis like this, saying that "the progress in the fine arts has been most conspicuous in those branches which have not been subjected to the care or instructions of the Academy," may have contributed to his understanding of popular design and political propaganda as a natural field of artistic activity, equal to the traditional territories of high-brow culture, and maybe even more progressive. Moreover, the author’s penetrating reasoning against the grading system of publishers’ Readers, being lectors and editors, may have encouraged Linton’s efforts to run his own independent press and to try out ways of direct marketing.
Linton became acquainted with the anonymous author two years after the publishing of his poorly received work. He met Richard Hengist Horne at the close of his apprenticeship in the company of Thomas Wade and remained connected to him all his life. He published Horne’s essays in his journals The National and The Illuminated Magazine and enclosed examples of his poems in his anthology English verse: The Nineteenth century. As a politically committed artist with an eagerness to experiment Horne was an important role model for Linton. His literary versality included criticism, investigative journalism – he had worked for some time as a reporter for Dickens´ Household Words - and a variety of poetry ranging from blunt didactic pieces to almost spasmodic self-adulation.


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ST. PETERSBURG, FL--(Marketwire - Sep 11, 2012) - Andiamo Corporation (PINKSHEETS: ANDI) announces that its Board of Directors has authorized a significantly reduced conversion formula for the convertibility of its Preferred B Shares into Common Shares. This action is taken as a proactive effort to help support an increased valuation of the company's common shares.
1. Preferred A Shares are not convertible into common shares.
2. Preferred B Shareholders may convert their Preferred B shares consistent with a declining conversion rate based on the increasing value of the common shares which can go as low as 20:1. This is a reduction from the previous conversion rate of 2000:1.
3. Further, the Board of Directors significantly reduced the amount of conversion that individual shareholders can convert in a 120 day period.
"We have heard from our shareholders that the potential Preferred B conversions were holding our company back, so we took action. These reductions and restrictions are effective immediately and we believe these changes will better help support the value of our common stock and thereby be in the best interest of all of our shareholders.
"This should also provide alignment of the Preferred Shareholders, Common Shareholders and the Management of Andiamo Corporation as we all look to increase the value of our company through our common shares. This should also eliminate any concern over extreme conversion and dilution from our Preferred B Shareholders," said Secor, CEO.

industry_corpus2: Finance & Economics


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This Labradoodle nicknamed Zoe sold and went to a new family.
Zoe is a beautiful chocolate and white, female Labradoodle. A Labradoodle is a cross between a Standard Poodle and a Labrador Retriever. This breed is intelligent, friendly, and affectionate. If you have anymore questions please call us at 601-264-5785.

industry_corpus2: Agriculture & Fisheries


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whose prayers are no longer uttered.
Go ahead, destroy this race. Let us say that it is again 1915; there is was in the world. Destroy Armenia.
Send them from their homes into the desert. Let them have neither bread nor water. Burn their house and their churches.
See if they will not live again. See if they will not laugh again.
See if you stop them from mocking the big ideas of the world.
Go ahead, try to destroy them.
It is generally not known in the world that, in the years preceding 1916, there was a concerted effort made to eliminate all the Armenian people, probably one of the greatest tragedies that ever befell any group. And there weren’t any Nuremberg trials.
Two years ago, I criticized the Secretary of State for the firing of U.S. Ambassador to Armenia, John Evans, after he properly used the term ‘genocide’ to describe Turkey’s slaughter of thousands of Armenians starting in 1915. … as President I will recognize the Armenian Genocide.
…Feet, hands chests were nailed to a pien of wood, nail of fingers were torn out, eyebrows were pulled out, feet were hammered with nails as they do with horses, others were living with their feet up and heads down over closets…Oh! How one would wish that all these facts were not true.

industry_corpus2: Politics & Administration


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Are you hungry? I mean, really hungry? Not in the mood to cook at home today. Want a real hearty dish but can’t face the wait at a restaurant? Head out of your apartment in search of some good African food. But where can you find a fast food restaurant that will please your taste buds and introduce you to something other than the burger-fries-Coke combo you’ve been eating for as long as you can remember?
Well, here’s Afrik’N’Fusion, an African-style fast food restaurant (yes, you read correctly), where you can enjoy traditional African dishes: Thieb, pastels, Yassa chicken. All of them served with “Bissap” (a refreshing drink made with dried hibiscus leaves). It’s fast, delicious and gorgeous! What more could you want?
If you want a proper sit-down dinner, I have just what you need: discover Ethiopian cuisine. This is virtually a place of worship for anyone who enjoys strong and spicy taste sensations. Injera (flatbreads, which is both cutlery and an accompaniment) and berbere (Ethiopian pepper) are the bases of this thousand-year-old gastronomy.
Vegetarians will be as delighted as beef lovers. I recommend trying the Beyaynetou, the discovery dish at this restaurant (an assortment of meat and vegetables): your taste buds will speak for themselves! I promise this will be an unforgettable meal.
African Gastronomy: where to find the best African food in the capital?
“Fini l’amusement” (the fun is over): here comes the best of the best, the real pinnacle of African cuisine in Paris.
Here in the 16th arrondissement, where anyone who wants to show off (artists, celebrities) all flock to to enjoy a good Ndole (a typical Cameroonian vegetable dish), kedjenou (Ivorian meat dish) or the grandpa soup (fish soup).
I won’t say any more – go enjoy the subtlety and refinement of African cuisine at this fabulous restaurant. But beware: your taste buds will keep asking for more!
Find more gourmet restaurants in our post “An exotic trip without leaving paris – Part 1”!

industry_corpus2: Hospitality & Catering


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This morning I met Stephanie Lollar shortly in the workshop. She visit Amsterdam just a few days. We had a relax talk about kids, travelling and of course her husband Jason Lollar and the Lollar pickup company.
The company just moved last summer to a new building. The new building has more work space and more daylight. Although it was a big step to move, it seems to work out very wel.
Later Stephanie went to visit some musea and I went to spend the rest of the day with my son, the reason the shop is usualy closed at Mondays.


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Would anyone be able to tell me how to create a separate autogen XML file to be used like the default.xml file, so I can package it inside an addon download?
Not sure if I understand your question, but your addon will have to modify the default.xml file. There is only one global file that is used by FS.
I made a tool called Autogen Configuration Merger that can help with this. In that case you can have a local default.xml file only containing the custom definitions you want to add.
Ok thanks Arno. That answers my question. I will check out Autogen Configuration Merger.


text: Our practice believes that all children should receive the recommended vaccines according to the guidelines provided by the AAP and the CDC. Because our practice supports you as a parent, we do alter vaccine schedules as requested by parents. We believe the vaccine schedule is safe and effective and the risks of vaccines do not outweigh the benefits. Vaccines are safe and effective in preventing diseases and health complications in children and young adults. Regular vaccinations help children ward off infections, and are administered as one of the safest and best methods of disease prevention.


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M. David Stone LegalZoom Business Agreements (For Lexmark Printers) Lexmark's Business Agreements app makes it easy to print a few selected agreements from legalzoom.com, but it lacks the ability to modify the text before printing.
Prints selected LegalZoom business agreement forms from the printer front panel with no need to turn on your computer.
Includes only 5 of the 45 forms in the LegalZoom Business and Service Related Agreements categories. Can't modify the forms.
Lexmark's Business Agreements app makes it easy to print a few selected agreements from legalzoom.com, but it lacks the ability to modify the text before printing.
Lexmark's LegalZoom Business Agreements ($34.95 direct), is one of several Lexmark apps that lets you print a selection of forms from legalzoom.com without needing to even turn on your computer. As with all of these apps, LegalZoom Business Agreements’ main appeal is the convenience of being able to print the forms by choosing from a list on your Lexmark Web-connected printer's front panel. How useful it will be, however, will depend on whether you need the particular forms it offers and how much you have to modify them to use them.
All of the Lexmark LegalZoom apps—including LegalZoom Bill of Sale Forms ($39.95 direct, 3 stars), LegalZoom Employment Forms ($29.95 direct, 3 stars), LegalZoom Landlord and Tenant Forms ($39.95 direct, 3.5 stars), and LegalZoom NDA Forms ($37.95 direct, 3 stars)—share some key features. In particular, after the one-time payment for the app, you can print out a given agreement as many times as you like. You can also download the app to all of your Web-connected Lexmark printers.
For the LegalZoom Business Agreements app, this means that if you regularly use independent contractors, for example, you can print a fresh Independent Contractor Agreement every time you need one. There are some issues that make this less useful than it might seem at first blush, but we'll come back to those in a moment.
I tested LegalZoom Business Agreements on a Lexmark Pinnacle Pro901, but according to Lexmark it's compatible with all current Lexmark Web-connected inkjet printers. Lexmark also says that the app will probably work with future SmartSolutions-enabled printers as well, but it stops short of guaranteeing that.
As with all of the Lexmark LegalZoom apps, installing LegalZoom Business Agreements from Lexmark's SmartSolutions Web site is identical to installing one of Lexmark's free apps, except that you have to pay it. Once the app is installed, using it is standard. To print a business agreement, you simply choose the appropriate icon from the SmartSolutions option on the front panel, then choose the particular agreement you want to print, choose whether to include instructions, and, finally, give the command to print.
Not so incidentally, the instructions are very much worth printing, since they offer lots of useful information about the agreements. A Dos and Don'ts list, for example, talks about steps you should take to minimize various legal risks, like having the IRS decide that your independent contractor is really an employee and that you owe taxes with penalties. If you print the instructions for each form once and save them, you won't have to waste ink and paper printing them again.
Bottom Line: Lexmark's Business Agreements app makes it easy to print a few selected agreements from legalzoom.com, but it lacks the ability to modify the text before printing.


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Home » Browse » Magazines » Higher Education Magazines » Academe » Article details, "Industry Influences Medical Research, Survey..."
Academic institutions regularly engage in industry-sponsored research that falls short of the standards for research integrity established by medical journals, wrote the authors of a survey of U.S. medical schools published in the October 24, 2002, issue of the New England Journal of Medicine.
The standards against which the survey authors measured institutional practices are those of the International Committee of Medical Journal Editors, whose members include editors from the Journal of the American Medical Association, the Lancet, and the New England Journal of Medicine. The standards seek to ensure the soundness of clinical research findings published in such journals, on which physicians rely to treat patients and which influence public health policy.


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Request all transcripts be sent to the Admissions Office.
Transcripts must be sent directly from the University or Institution to MSU Admissions. No hand carried transcripts will be accepted. For a transcript request form, click here.
For a military transcript request form click here.
If this is your first time ever using VA Education Benefits you need to apply by filling out a VA Application. Go to DVA web site or contact the MSU VA Office.
All Veterans must attach a copy of a DD 214 to the application.
Children must attach a copy of a birth certificate to the application.
Spouses must attach a copy of a marriage license to the application.
For Ch. 31 Vocational Rehabilitation benefits use VA Form 28-1900 or contact MSU VA for the nearest Vocational Rehabilitation counselor.
If you have used VA Education Benefits at another school but are new to MSU the Change of Place of Training and Program form must be filled out. For Ch. 30, 33, 1606 and 1607 VA Form 22-1995 must be used. For Ch. 35 students the VA Form 22-5495should be completed.
All students must complete the Benefit Request Form at the beginning of each semester once they have registered for classes. This is how you notify MSU VA that you are registered and wish to use your benefits for the semester.
Call (940) 397-4305, e-mail, or come by the MSU VA office each semester to verify receipt of your documents.
The Department of Veterans Affairs does not pay any benefits before the semester. You will be paid after each month throughout the semester. For new applications, the process time is approximately 60 days.
Provide MSU VA with a copy of your degree plan by the second semester of enrollment. Request the degree plan from your advisor.
For students who enroll 3/4 time or more, you can apply for VA work-study positions.
We have an open-door policy. Come by or call with questions, any time.


text: Let the world outside of your car know what you believe in with CafePress Culinary Bumper Stickers. Make others aware of your cause or show off your family and their accomplishments with the widest selection of customizable bumper decals and car stickers online. Your car's bumper is valuable real estate. Why don't you make the most of it with CafePress?

industry_corpus2: Others


text: Lars’s passion is facilitating leadership, development and change in individuals and organisations. In 2005 he signed up for the Journey Practitioner programme after having witnessed how the Journey tools had helped his wife recover from 10 years of chronic fatigue. Since then he has been actively engaged as trainer and presenter of various workshops addressing unhealthy eating habits, leadership, as well as JourneyMan, a men-only workshop. Lars is also co-founder of the Conscious Leadership Coaching partnership. You can reach Lars at lars@hornborg.se or visit his website at www.hornborg.se.


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Whether they need to sweat, stretch or de‑stress, give them the gift that has it all.
The gift credit amount can be used towards the monthly Glo subscription. Once activated or redeemed, the gift card amount or any remaining balance cannot be refunded. Gifts are non-transferrable.
When the gift card balance is close to depletion, we will email the recipient to notify them. If they're loving Glo, they can add a credit card to their account to continue their membership. Any remaining balance of the gift that is less than what can be used to purchase a month of membership cannot be refunded or transferred.
When should we send your gift?
We've emailed your Gift of Glo and sent you a receipt.


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My name is Charlie. I grew up in Morgan Hill, but I live in San Jose. I’m a Computer Desktop Technician who enjoys troubleshooting and helping those in need. I have had over 25 years of experience working on computer related material. I started working on computers at a very young age so my skills are self taught. On the course, I have learned and adapted a wide range of skills ranging from software to hardware. I have spent a lot of my time using Windows and it’s software while adapting the inner workings to help others with their issues.
I have also dabbled in the inner workings of Trance music. I have enjoyed techno/electronic/trance music since I first heard it back when it was in it’s infancy. I Actively DJ’d from 2000 t’ill the mid 2000’s while playing shows less often later on. I focused my time afterward on my family and helping my kids achieve, learn and grow. My sampling of music since then has been full of love for the art and never ending when it comes to appreciating it.
My hobbies include researching tech news, socializing on different platforms as well as working on computer geeky stuff such as SQL, Other Linux Distributions etc. I also enjoy spending many hours to discover how something works or adapting software to bend in ways it was never meant to.
I’m a Technician, Dad, Husband, Adventurer Extraordinaire, High Overlord… and nachos for all! I love music (my Zune), working with anything computer, and any art created with soul. I enjoy discovering random pieces of life and anything shown with heart.
Originally, I created this place to put myself in a sort of outlet since all the normal outlets just don’t seem to match what I care to include myself in. In a way, it’s a home away from home. Lately, it’s been a place where I can slow down and reflect. There have been too many days that have become a blur and I can’t separate one day from another. I started writing when I can so ensure that I do slow down and look around. It gives me more appreciation of my family and life lived.
What is a Fireberry? A Fireberry is a fictional fruit that exists in the world of Kyrandia.

industry_corpus2: Computing & Telecommunications


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Remember when Stacey Dash was thinking about running for political office? Well, she probably decided not to because her tax issues would have been a campaign nightmare!
According to a sister-state judgment obtained by The Blast, Dash owes $13,237.64 in back taxes stemming from a New York judgment back in 2016.
The total amount due to the New York State Commissioner of Taxation and Finance was only $10,507 when it was first issued, but has increased due to accrued interest.
Dash, who is a regular Fox News contributor, announced her intention to run for a Congressional seat in California during the 2018 midterms, but later pulled out of the race.
The Blast reached out to reps for Dash for comment.
THATS WHAT HAPPENS THE WHITE DEVIL USES YOU ALL UP AND THEN FEEDS YOU TO THE LESSER WHITE DEVILS!!!!!! HEY STACI HOW DOES IT FEEL TO BE SLOSHED AROUND BY YOUR BELOVIT “WHITE MASA”!!!!!!! STAY IN YO COLOR LANE BITTY YOU MAAAAAY GET SOMWHERE???????? POWER TO THE PEOPLE!!!!!!!!!
I thought she was the white man’s hoe. I guess they don’t pay like they use to since she has been passed around like a ball. Those BET and TVONE checks stopped coming? What an ignorant waste of a woman.
Maybe she can replace one of the illegal immigrants Trump had working as housekeepers but had to let go once he was caught.
No wonder she’s on her knees at FOX News party of pu**y grabbers, she’s trying get her bills paid as the white man’s bed wench.
She should call Fox News to see if they will rescue her…..not!!


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Wacku is the survivor of a horrific attack that was carried out by a drunken man with a machete. The incident has left half of this sweet dog’s face and snout hacked off.
I had no intention of adopting any pets, and I fell in love with him immediately. I had no idea what I was missing out on…and it was unconditional love from a bitty, grateful soul.
See how this adorable Beagle brought comfort after the sad passing of a loved one.
Suzie greets me every afternoon when I get home from work now.
Marvin has raised over $88,000 from the proceeds of his book and paintings, becoming the largest contributor to the RISPCA.
This is a great organization that breeds and trains mostly Labrador Retrievers to help the blind become independent. But not every dog makes the cut.


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The acquisition of Caisson Interventional deposits the British company into the fray of competitors racing to develop transcatheter mitral valves.
LivaNova has completed its acquisition of transcatheter mitral valve replacement (TMVR) company Caisson Interventional.
Based in Maple Grove, MN., Caisson is developing a TMVR with a fully transvenous delivery system. London-based LivaNova has invested $23 million in Caisson since 2012, according to a LivaNova spokeswoman. To acquire the remaining 51% of the company, it will pay up to an additional $72 million over time, depending on milestones and sales.
Caisson's system consists of a nitinol anchor frame and a pericardial tissue valve attached to a nitinol frame. The implant is fully repositionable and retrievable and only released after the function of the implant is fully assessed, according to a company statement. The entire procedure is completed through a single percutaneous femoral venous access utilizing a trans-septal approach to the native mitral valve.
Caisson announced the first successful human implants of its device in September 2016. The three patients are part of the PRELUDE clinical trial, which aims to enroll up to 20 patients in five centers in the U.S., Europe and Canada. Caisson initiated its clinical trials through FDA's early feasibility study program, in which four other such devices are under investigation, according to a January 2017 article in the Journal of the American College of Cardiology.
More than 30 dedicated TMVR devices are under development, with novel insertion, folding, sealing and fixation mechanisms, and deployment techniques, the article notes.
TMVR is used to treat mitral regurgitation, in which the mitral valve allows oxygenated blood to flow backward into the lungs instead of continuing through the heart. Patients with this condition may experience shortness of breath, irregular heartbeat, and chest pain, according to the American Heart Association.
TMVR is the next hot cardiac device on the horizon for medtech companies, now that transcatheter aortic valve replacements have become widely accepted as alternatives to surgery. Edwards Lifesciences, Medtronic, and Abbott have poured hundreds of millions of dollars into acquiring early-stage companies with technology in the space in recent years.
The Caisson team and technology will enable LivaNova to enter the TMVR fray, LivaNova CEO Damien McDonald said in a statement. The company will invest in the clinical studies, regulatory approval process, product enhancements and other steps needed to launch the device, which has not been approved by regulators in any country.
"We expect it will become a strategic complement to our heart valve portfolio for heart team physicians, allowing us to offer patients the most advanced, minimally invasive mitral valve replacement option," McDonald said.
Mitral valve disease is the most prevalent valve disease in the world, according to Abbott, which expects a multibillion-dollar market for the technology over the next 10 years. Ultimately, the market share size for mitral valve replacement technology could be double the size of the TAVR market, owing to the larger patient population.
LivaNova expects the acquisition to be dilutive to earnings for several years.

industry_corpus2: Biopharmaceuticals


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Vapour products were first introduced into Tunisia at the end of 2013, and there are now a dozen brands of e-cigarettes and flavours of e-liquids available from both international and domestic stores. Since its introduction, there was no stability; there is a constant monopoly war between the private sector under the control of Group of Professionals Electronic Cigarettes in Tunisia and Régie National du Tabac et des Allumettes RNTA. In fact, following the decree of 30 July 2014, vapour products came under the control of the Ministry of Finance and the direction of RNTA. This decision was opposed by private companies which launched in this area and opened their own stores. As of 2015, there was no final decision concerning the official situation of the category.
Smooky is the Tunisian leading company in vapour devices. The company has a monopoly with more than 70% of total sales share. This is due to the significant number of stores, more than 20, selling international brands and products.
Discover the latest market trends and sources of future market growth for the Vapour Devices industry in Tunisia.
If you're in the Vapour Devices industry in Tunisia, our research will save you time and money while empowering you to make informed, profitable decisions.
What is the market size of Vapour Devices in Tunisia?
Which sector of the tobacco products market is the largest by value sales in Tunisia?
Which sector of the tobacco products market has been growing the fastest, by volume and value, in Tunisia?
Which sector is the most heavily taxed in Tunisia?
Which companies dominate in the total tobacco market in Tunisia in terms of market share?
What is the distribution channel split for the tobacco products market in Tunisia?

industry_corpus2: Manufacturing


text: Dr. Vari is CME’s co-founder and Chief Executive Officer. An Ivy-League trained physician and 2-time Jeopardy! champion, he is responsible for managing CME’s operations, finance, and business development strategies. Dr. Vari graduated from Brown University with an undergraduate degree in Biology. He holds a medical degree from the University of Pennsylvania School of Medicine where he earned the Strecker award as the most outstanding medical student entering the field of psychiatry. Dr. Vari then completed his residency in psychiatry at UCLA where he served as chief resident of the bipolar disorders clinic. Prior to focusing on the management of CME, Dr. Vari served as a Qualified Medical Examiner, conducting hundreds of workers’ compensation evaluations, for more than 5 years. Dr. Vari lives in Los Angeles with his wife and two sons. In his spare time, he enjoys cheering on his beloved Philadelphia Flyers, reading, and improving his public speaking skills at Century City Toastmasters.


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Ukraine (Listeni/juːˈkreɪn/ yew-KRAYN; Ukrainian: Україна, transliterated: Ukrayina, [ukrɑˈjinɑ]) is a country in Eastern Europe. Ukraine borders the Russian Federation to the east and northeast, Belarus to the northwest, Poland, Slovakia and Hungary to the west, Romania and Moldova to the southwest, and the Black Sea and Sea of Azov to the south and southeast, respectively. It has an area of 603,628 km², making it the largest country entirely within Europe.
According to a popular and well established theory, the medieval state of Kievan Rus was established by the Varangians in the 9th century as the first historically recorded East Slavic state. It emerged as a powerful nation in the Middle Ages but disintegrated in the 12th century. By the middle of the 14th century, Ukrainian territories were under the rule of three external powers—the Golden Horde, the Grand Duchy of Lithuania, and the Kingdom of Poland. After the Great Northern War (1700–1721), Ukraine was divided among a number of regional powers. By the 19th century, the largest part of Ukraine was integrated into the Russian Empire, with the rest under Austro-Hungarian control.
Human settlement in Ukraine and its vicinity dates back to 32,000 BCE, with evidence of the Gravettian culture in the Crimean Mountains. By 4,500 BCE, the Neolithic Cucuteni-Trypillian Culture flourished in a wide area that included parts of modern Ukraine including Trypillia and the entire Dnieper-Dniester region. During the Iron Age, the land was inhabited by Cimmerians, Scythians, and Sarmatians. Between 700 BC and 200 BC it was part of the Scythian Kingdom, or Scythia.
Later, colonies of Ancient Greece, Ancient Rome, and the Byzantine Empire, such as Tyras, Olbia, and Hermonassa, were founded, beginning in the 6th century BC, on the northeastern shore of the Black Sea, and thrived well into the 6th century AD. The Goths stayed in the area but came under the sway of the Huns from the 370s AD. In the 7th century AD, the territory of eastern Ukraine was the center of Old Great Bulgaria. At the end of the century, the majority of Bulgar tribes migrated in different directions, and the Khazars took over much of the land.
At 603,700 square kilometres (233,100 sq mi) and with a coastline of 2,782 kilometres (1,729 mi), Ukraine is the world's 44th-largest country (after the Central African Republic, before Madagascar). It is the largest wholly European country and the second largest country in Europe (after the European part of Russia, before metropolitan France).[i] It lies between latitudes 44° and 53° N, and longitudes 22° and 41° E.
Ukraine occupies 8th place in Europe by the number of tourists visiting, according to the World Tourism Organisation rankings.
Ukraine is a destination on the crossroads between central and eastern Europe, between north and south. It has mountain ranges – the Carpathian Mountains suitable for skiing, hiking, fishing and hunting. The coastline on the Black Sea is a popular summer destination for vacationers. Ukraine has vineyards where they produce native wines, ruins of ancient castles, historical parks, Orthodox and Catholic churches as well as a few mosques and synagogues. Kiev, the country’s capital city has many unique structures such as Saint Sophia Cathedral and broad boulevards. There are other cities well-known to tourists such as the harbour town Odessa and the old city of Lviv in the west. The Crimea, a little “continent” of its own, is a popular vacation destination for tourists for swimming or sun tanning on the Black Sea with its warm climate, rugged mountains, plateaus and ancient ruins. Cities there include: Sevastopol and Yalta – location of the peace conference at the end of World War II. Visitors can also take cruise tours by ship on Dnieper River from Kiev to the Black Sea coastline. Ukrainian cuisine has a long history and offers a wide variety of original dishes.
Few Tips Before going for A Forign Country Tour ?


text: RING IN THE NEW YEAR!!!!!! For decades Icey’s trademark sound of bass and beats has soundtracked dance floors worldwide. His indie label Zone Records is a top player in the worldwide Booty Bass / Breaks /EDM scene.

industry_corpus2: Film & Entertainment


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Join us tomorrow for the Final Round of the 2018 N.O. Int'l Piano Competition!
"A Tricentennial Salute" Concert Coming Up!
Concerto Showcase X this Saturday!
MASNO's New Orleans Piano Institute awarded Gambit's Big Easy Tribute to the Classical Arts Special Education Award!

industry_corpus2: Subject Education


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You are here: Home / Articles / A fun adventure with your dog!
A fun adventure with your dog!
Georgetown’s Bark Park is a personal favorite of mine. It’s beautiful, the people and dogs are friendly and it’s close! It has huge trees, providing shade as you sit and watch your dog. Shade is important for dogs that need to take a break and cool off a bit during the intense summer heat. There are also water fountains for the dogs, as well as their owners, and you’ll find that these are usually kept clean. Feel free to bring a ball or frisbee from home if your dog likes to fetch!
Another great dog park that I recommend in the Round Rock area is Round Rock Dog Depot, which has large dog and smaller dog play areas. It offers an exciting recreational course, including an A-frame contact ramp, a tunnel, and a tire jump. There is a restroom area for pet owners that can be found in its outdoor pavilions, which are located on the outskirts of the dog park. There are also dog waste receptacles and hand sanitizer.
Shepard and Maddie playing at the dog park!
Not all dogs enjoy being around so many other dogs. They may find the environment overwhelming and frightening. So it may be a good idea to do one or two short trips to see how your dog responds.
I know most of us know this, but I would just like to remind everyone the importance of park etiquette. Please clean up after your pet and dispose of their “potty waste” properly. This is key to maintaining parks that are healthy for our pets.
Please leave me a comment below and tell me any positive or negative experiences you’ve had at a dog park.


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At Junkcarbuyersdirect.com our goal to get you the absolute most money possible for your automobile. When you call us a friendly and professional representative located in Ortonville will guide you through the simple and profitable process of selling your junk car in Ortonville. We offer Fast Removal and in most cases can have your vehicle picked up the same day in Ortonville.
Junk Car Buyers Direct accepts all vehicles, including trucks, cars, sports utility vehicles, vans and mini vans. So rather than searching out someone who specializes in auto salvage, trying to part it out yourself or paying someone else to take care of car removal in Ortonville, we’ll pay you with our cars for cash program.
Junk Car Buyers Direct will pick up your automobile from virtually any location in the Ortonville, MI area, including your home, place of employment or other location. In some cases, our team can even collect your vehicle from the side of the highway in the event that it’s broken down for the last and final time and you’re ready to get cash for your old car!

industry_corpus2: Automobiles


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For a dozen years, Chantecaille Beaute Inc. has been creating charity eye shadow palettes that benefit various conservation issues, including the environment and the protection of elephants, lions, wolves and bees.
The current offerings include the Save The Forest Eye Palette ($85 U.S.) with a portion of the proceeds going to the Rainforest Alliance, as a result of the Chantecaille family’s 2016 trip to the Congo, where they witnessed the destruction of the forest habitat of mountain gorillas, according to the company’s promotional materials.
The Congo Basin alone is home to 10,000 species of tropical plants, 400 varieties of mammals, 700 kinds of fish and 1000 types of birds, including such endangered species as lowland and mountain gorillas, chimpanzees, bonobos and forest elephants.
With less than 850 mountain gorillas remaining in the world, the Chantecailles are doing their small part to assist the Alliance, which has prevented more than 4.4 million hectares of deforestation in high-risk landscapes and forest frontiers.
Another current item, the Mermaid Matte eyeshadow trio ($95) will share five percent of the proceeds between the Elephants and Bees Foundation, Sheldrick Wildlife Trust and the Lion Guardians.
The Elephants and Bees Foundation focuses on helping African and Asian farmers ward off African Elephants whose habitat has been disrupted by new development and farmland plots. By using “beehive fences” to dissuade elephants from raiding farms for nutritional produce — and also planting crops that don’t appeal to pachyderm tastebuds — the animals remained unharmed and the farmers generate another source of income from the “elephant-free” honey that they collect from the fences.
The David Sheldrick Wildlife Trust serves as a haven for endangered elephants and rhinos, and covers such conservation territories such as The Tsavo Conservation Area, the Kibwezi Forest and Project Amu, including approximately 93,000 acres in total. Aside from natural sustenance projects to hiring two full-time anti-poaching teams to preserve their safety.
Another product tied to nature conservation is the Protect The Wolves Eye Shade Trio ($70), with partial proceeds donated to Conservation Northwest, an organization toiling to returning wolf populations to the Pacific Northwest to maintain the balance of nature. Conservation Northwest reports that the number of wolves in Washington rose to 115 in 2016, still illustrating a rather low total for the species in that area and the need to continue to raise the population of this predatory treasure. Five percent of the proceeds of this Eye Shade Trio will be donated to Conservation Northwest.
Founded by Sylvie Chantecaille in 1997, this Manhattan-based, family-run business offers creams, moisturizers and other personal care products that are botanical-based, priding themselves on being “cruelty-free,” as well as free of “phthalates, sulphates, detergents, mineral oil, petrolatum, palm oil, synthetic colors, synthetic fragrances and GMOs,” according to its website.
Since 2006, Chantecaille has launched 22 limited edition cosmetic collections to benefit conservation causes surrounding the ocean, endangered animals and the environment.
In Canada, Chantecaille products are found at Saks Fifth Avenue Toronto and Holt Renfrew in Toronto and Calgary.


text: My name is Hope Arden, and you won't know who I am. We've met before--a thousand times. I am the girl the world forgets.It started when I was sixteen years old. A slow declining, an isolation, one piece at a time.A father forgetting to drive me to school. A mother setting the table for three, not four. A teacher who forgets to chase my missing homework. A friend who looks at me and sees a stranger.No matter what I do, the words I say, the people I hurt, the crimes I commit--you will never remember who I am.That makes my life difficult. It also makes me dangerous ...The Sudden Appearance of Hope is the tale of a girl no one remembers, yet her story will stay with you forever.

industry_corpus2: Literature & Emotions


text: We hope you enjoy these fun facts and get a feel of the Chinese New Year celebration. To begin an auspicious lunar new year, JD CENTRAL has launched the ‘Gather of Luck Bundle of Joy’ campaign celebrating Chinese New Year and welcoming ‘Year of the Pig’. We offer up to 88% discount in all product categories with a total discount coupon value over 8 million baht and special privileges from leading brands throughout the campaign period now - 5 February 2019.


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I incorporate a teaching philosophy based on a feminist praxis approach. I describe this strategy as a combination of a learner-centered approach with initiatives to put in practice theory in various ways. I use the learner-centered approach to incite students to take responsibility for their learning experience, and to promote collective work. The practice of theory encourages students to be creative and explore new perspectives outside of their comfort zone. My teaching interests echo my research interests and focus in the areas of gender violence, feminist activism, public protests, and Body, Decolonial, Performance, and Island Studies.
2018 - "A Feminist Intersectional Analysis of Economic and Resource (In)Equality in Puerto Rico before and after Hurricane Maria,"
2018 - "Una mirada histórica de los feminismos latinoamericanos y caribeños: temas, paradigmas y puntos de inflexión,"
2017 - “Perspectiva feminista-isleña sobre la construcción del cuerpo femenino en Puerto Rico,” XI Coloquio Nacional sobre las Mujeres, University of Puerto Rico - Mayagüez.
2016 - “Island Feminist Studies: A theoretical overview of the ideal national body and Puerto Rico’s feminisms,” International Small Islands Studies Association, University of the Aegean, Lesvos Island, Greece.
2014 - “¡No tengo opciones!: Understanding state and colonial violence through feminist street performance art in Puerto Rico,” National Women's Studies Association Conference, San Juan, PR.
2014 - “Bodies Speaking from the Ground: Contesting Cultural Construction of the Ideal National Body in Puerto Rico,” National Women's Studies Association Conference, San Juan, PR.
2014 - “Rehearsing Feminisms: Collaborating with Interactive Theater in Academic Settings,” Race and Pedagogy National Conference, University of Puget Sound, Tacoma, WA.
2013 - “Decolonizing women’s bodies: Imagining possibilities for anti-violence through radical feminist performance in Puerto Rico,” Critical Ethnic Studies Conference, University of Illinois, Chicago.
2012 - “Decolonizing women’s bodies: Imagining possibilities for anti-violence through radical feminist performance in Puerto Rico,” National Women’s Studies Association Conference, Oakland, CA.
2011 - “Playing at Science: Theatrical consciousness-raising about women in science,” National Women’s Studies Association Annual Conference, Denver, CO.
2010 - “Challenges of the Third Wave: Young Women & Feminist Movements of Puerto Rico,” 19th Annual Women's Studies Conference, Southern Connecticut State University, New Haven, CT.
2008 - “Equidad y Transparencia: Lecciones Aprendidas de los Procesos de Reclutamiento y Retención de las Mujeres en las Ciencias en la Universidad de Puerto Rico en Humacao,” Mundo de Mujeres/ Women’s Worlds Congress, Universidad Complutense de Madrid, Spain.
My research interests are in the areas of gender violence, feminist activism, public protests, and Body, Decolonial, Performance, and Island Studies. Currently, I am collaborating with other scholars to push forward a new field of study that focuses on Island Feminisms. My work on this project focuses on Island Feminism from a Puerto Rican context.


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LV ABC Cable Suspension Clamp ES-1500 designed to attach LV-ABC lines with the insulated neutral messenger to towers poles or walls, for angles up to 30° towards the pole and up to 50° away from the pole.
1. Movable link allows the universal movement of the clamp body. ES-1500 for ABC mains as well as sub-mains.
3. ES-1500 allows quick installation by locking adjustable grip clip despite different cable sizes.
4. ES-1500 is supplied with aluminum suspension bracket ES-1500, which allows easy installations with the LV ABC hooks, pigtails, bolts and stainless steel strap of 20×0,7 mm.
Suspension assembly ES-1500 is available either separately.
5. Toolfree installation provides it’s universality.
5. Materials: corrosion resistant aluminum part, high mechanical and climatic resistance thermoplastic materials.


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Enlightenment Radio presents Paranormal Investigator Chris Dedman!
If you liked this show, you should follow Enlightenment Radio.
Join Host, Clairvoyant Medium Dakota Lawrence and co-host Paranormal Investigator Jason Haefeli as Enlightenment Radio presents Chris Dedman. Chris Dedman is a native of Lexington, Kentucky where he has been studying the paranormal and investigating for several years. His first paranormal experience was at the age of 12 when he had an out-of-body experience after a firework exploded in his face. Many have stated that this experience opened a door—of sorts—causing him to be sensitive to the paranormal field. Chris is a member of the Paranormal Clergy, which is lead by Bishop James Long and a team member of Afterlife Investigations of KY. Chris has appeared on numerous radio shows and featured in several newspapers and magazines. He has his own radio show called “Dead Time” that airs at 10pm EST on www.para-x.com which was voted “Best New Show for 2009”. Chris has spoke at a variety of paranormal conventions and worked with many top names in the paranormal field. In October of 2008, one of his cases would rock the nation when it aired on A&E’s Paranormal State entitled “I AM SIX”. Chris was also featured on the Travel Channel’s “Most terrifying places in America 2”, in October 2009. Chris is currently working on several things, including an expedition to the actual site where the Titanic sank and several filming projects. He also works with several families on cases dealing with possible paranormal activity and teaches them how to deal with it. Chris is always looking for ways to better the field, but above all “It’s about helping people, not finding Ghost”.


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Thomas W. Fawell, a critic of York Township government, is resigning from the Township Board.
Fawell said Tuesday he would send a letter of resignation to Township Supervisor John O`Brien, effective upon receipt.
Fawell is an Oak Brook lawyer and a member of a politically active family in Du Page County. His father, Thomas, is chairman of the Du Page Airport Authority.
The younger Fawell has been criticized for a spotty attendance record at Township Board meetings.
At a board meeting this summer, a Lombard woman called for Fawell to resign over that issue. Since then, Fawell has said several times that he would not be pressured into resigning, but he also said that he considered township government outdated.
''We have limited legal authority (and it is) an enormously time-consuming job,'' he said Tuesday of the board, made up of four trustees and the supervisor.
Fawell said Republican officials persuaded him to run for the post in 1985.
He said certain goals he had in mind when he was elected have been attained. These include ''winding down unnecessary litigation and instituting polices to avoid future litigation'' regarding former and present township employees, Fawell said.
When O`Brien became supervisor, he inherited several legal cases in which employees alleged that they were harassed for political or union-related reasons by his predecessor, Lenore Davenport. The township denied the accusations but settled all the cases with some payment for legal fees to the plaintiffs. Fawell said he was instrumental in clearing up these matters.
''Pate'' Philip of Elmhurst, and Township Assessor Lester Swailes.
O`Brien and Fawell belong to the Philip wing of the party. Fawell is the attorney for the county GOP.
Swailes, a thorn in the side of Philip and his faction for years, died late last year and the Philip group named M. Ward Fleming as assessor. Fleming has undertaken a review of office procedures and, in the course of the quadrennial reassessment this year, discovered several commercial properties that were not on the tax rolls and millions of dollars in commercial underassessments, he has reported.
O`Brien said he would accept resumes from interested parties and that he and the board hoped to conduct interviews next week to fill the position.

industry_corpus2: Law & Justice


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To be able to ideal satisfy client's requirements, all of our operations are strictly per for New Design Formwork Scaffolding , New Design Aluminum Formwork for Sales , New Design Aluminum Formwork , and office are struggling for one common goal to provide better quality and service. Real business is to get win-win situation. We would like to provide more support for customers. Welcome all nice buyers to communicate details of our products with us!
"We are also focusing on enhancing the things administration and QC program in order that we could keep fantastic advantage within the fiercely-competitive enterprise for New Design Formwork Scaffolding , New Design Aluminum Formwork for Sales , New Design Aluminum Formwork , Furthermore all of our merchandise are manufactured with advanced equipment and strict QC procedures in order to ensure high quality. If you are interested in any of our merchandise you should don't hesitate to contact us. We will do our best to meet your needs.


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How can I update my antivirus?
Normally, all antivirus applications have a built-in module that allows them to update on a regular basis. The update period is established in the Settings menu. First access this menu then use the Update feature to force a manual update. If you have problems performing an automatic update, visit the Kaspersky Support and then you can download an update package for your product.
However, it's recommended to perform an automatic update.
How do you update without downloading the program again?
How to update Guardian Antivirus on laptop?


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While renewing my LetsEncrypt certificate, I found myself in a strange situation where the certbot won't run asking me to update pip and then each time I tried updating pip it failed with the error "error: command 'x86_64-linux-gnu-gcc' failed with exit status 4".
It turns out that this happens due to low memory and with my digitalocean droplet being the cheapest one this was bound to happen sooner rather than later. Fortunately there is a way around it as explained below.
Use of following commands will ensure that the swap file is created which in turn will help avoid the "error: command 'x86_64-linux-gnu-gcc' failed with exit status 4".
The swap file will now be activated but will be gone after the reboot. It can be reactivated using the last command (I hope - know so as I have now tried it).
I ran into memory issues yet again and I thought instead of increasing the memory for swapfile1, what if I can create another swapfile. I tried this and it works. Infact I felt quite nice uncovering a concept of multiple swapfiles purely based on my whim ;). All I really had to do was repeat above code replacing swapfile1 with swapfile2 and I had two swapfiles working together increasing available memory for my server.


text: The main purpose of a heat recovery ventilator is to provide a countercurrent heat exchange between the flow of air both in and out. The ventilator provides for fresh air which in turn improves climate control. These days, modern heat recovery ventilators are also energy efficient which helps with cost control as well.

industry_corpus2: Power & Energy


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Since 1995, Robert Derector Telecommunications (RDT) has been providing its clients with a full range of IT-related design, engineering and consulting services. These services, which include IT infrastructure and systems engineering, electronic security and audiovisual system design, are geared toward providing robust, innovative solutions for today’s technology intensive workplace. Our principals and engineering staff have a broad range of experience that includes financial services firms, corporate offices, academic institutions, research and development facilities and government buildings.
The hallmark of RDT’s design philosophy is flexibility. We believe that the only constant in today’s business environment is change, particularly as it relates to modern technological systems. Like other elements of a building’s infrastructure, the IT infrastructure and systems must be capable of efficiently and cost effectively accommodating these ever-changing information transport requirements. To achieve this goal, the IT-infrastructure must be free of vendor and hardware dependencies of any kind. In support of this philosophy, members of RDT’s staff have actively participated in the development of the various documents that make up the ANSI/TIA North American telecommunications infrastructure standards.
Our staff is accustomed to working as integral members of the design and construction teams to ensure that the technological, financial and scheduling demands of the project are met. We are equally at home working with a client’s IT department as we are working with the project’s architects, engineers and other consultants. Throughout the design process, the emphasis is placed on producing a biddable, buildable telecommunications design that is fully coordinated with the other building systems. During the installation phase of the project, we work closely with our clients and their vendors and contractors to ensure that the design intent is efficiently carried out.
©2017 Robert Derector Associates. All rights reserved.


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All of our hand-spun shakes are made with the finest USDA Certified premium vanilla ice cream, whole milk & topped with whip cream.
Crisp seasonal greens topped with fresh diced tomatoes, shredded Wisconsin Cheddar cheese & choice of dressing.
Free burger on us when you sign up! Be the first to know about local deals, limited time offers, and social happenings.


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Here at Prize Soundproofing, we are there to satisfy all your standards for Soundproofing in Dennis, MA. We have got a team of specialized experts and the most advanced solutions in the industry to present just what you want. Our materials are always of the very best quality and we are able to save money. Give us a call by dialing 844-222-4922 and we'll be ready to investigate your plan of action, resolve your concerns, and organize a consultation to start arranging your job.
Here at Prize Soundproofing, we realize that you must remain within budget and spend less wherever you can. You will still require superior quality services with Soundproofing in Dennis, MA, so you can trust our staff to conserve your funds while still supplying the best quality results. Our efforts to save you money will never sacrifice the excellent quality of our work. Our intent is to be certain that you have the best quality products and a job that endures through the years. For example, we are alert to stay away from pricey complications, work quickly to help save time, and make certain that you get the best discounts on supplies and work. Call up Prize Soundproofing whenever you want the very best service at the lowest rate. Dial 844-222-4922 to communicate with our customer support staff, today.
Soundproofing are available in Dennis, MA.
It is important to be kept informed on the subject of Soundproofing in Dennis, MA. We will never let you put together ill advised decisions, since we know exactly what we'll be undertaking, and we ensure that you understand what to be expecting with the venture. You won't confront any kind of unexpected situations when you do business with Prize Soundproofing. Step one will be to give us a call by dialing 844-222-4922 to begin your project. We will explore your questions and concerns once you give us a call and get you arranged with a meeting. We always get there at the arranged time, ready to work together with you.
When you're preparing a task regarding Soundproofing in Dennis, MA, there are lots of good reasons to choose Prize Soundproofing. Our company is your best choice whenever you need the best cash saving strategies, the highest quality products, and the greatest rate of customer service. We appreciate your requirements and objectives, and we are available to assist you with our experience. Call 844-222-4922 to communicate with Prize Soundproofing and examine all of your expectations regarding Soundproofing in Dennis.


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Our eggs are collected, graded and packed by us daily, guaranteeing freshness direct to your door within 24/48 hours of being laid. We deliver on set days (twice weekly in some areas) to all regions of Devon and the Cornwall/Somerset borders.
Pick up the phone and give Lou a call on 01884 860215.
Looking after the hens is our number one priority and we have RSPCA accreditation and the ‘Lion Quality Standard’ certificate of conformity to prove we do it well.
Our customers range from restaurants, hotels, pubs and coffee shops to village and farm shops, butchers and schools.
We are Black Dog Free Range Eggs, run by a farming family from Black Dog, Crediton, in mid-Devon, who have been in free range egg production for over 20 years.
We launched the Black Dog brand in 2013 to supply eggs directly from farm to consumer, at great value for money. Please do browse our website to find out more about our hen welfare and farming policies; about our farm and family; and some fun egg facts.
Above all – please enjoy our farm fresh eggs, just like so many of our customers have (read their comments).


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Did Investors Miss the Point of Embraer's Q2 Earnings Report?
Some recent headwinds at Embraer may be about to become tailwinds.
Embraer (NYSE:ERJ) shares tumbled again late last month, after the Brazilian aircraft manufacturer reported earnings that missed expectations (except for an unusually low tax rate).
Embraer 5-year stock performance, data by YCharts.
Embraer also cut its revenue guidance range for 2015 to $5.8 billion-$6.3 billion, down from $6.1 billion-$6.6 billion. All of the downside came from its defense segment, which has been hit hard by the Brazilian government's spending cutbacks. Embraer maintained its operating income guidance, though.
Embraer stock has now given up all of its gains from 2013 and 2014. However, the market seems to be overly pessimistic about Embraer's future prospects. Steady performance from its commercial airplanes and executive jets divisions along with easier comparisons should provide significant upside for the stock.
In Q2, revenue declined on a year-over-year basis in all three of Embraer's key business segments, but primarily in the commercial and defense segments. The company's operating margin also declined sharply, to 6.8%: down from 10.6% a year earlier. This drove a 45% year-over-year decline in operating income.
On the commercial airplanes side -- which represents more than half of Embraer's revenue -- it delivered 27 airplanes, compared to 29 in the year-earlier period. This drove most of the segment's $89 million revenue decline.
An unfavorable mix shift also affected the segment's results. In Q2 2014, Embraer delivered 13 of its larger E190 and E195 airplanes, along with 16 of the smaller E175. By contrast, the E175 constituted 22 of its 27 deliveries last quarter. The E175 brings in less revenue and typically has a lower profit margin for Embraer, contributing to the revenue and profit margin declines.
The E175 is a less profitable model than its larger siblings. Image source: Embraer.
Meanwhile, the defense business was hit by two issues. First, the Brazilian government delayed the timetable for introducing Embraer's new KC-390 military transport jet. This will reduce Embraer's program development revenue for the next couple of years or so.
Second, the falling value of Brazil's real against the dollar meant that Embraer's Brazilian defense contracts will bring in less revenue. More immediately, it forces a cost base revision for accounting purposes: essentially a one-time charge marking up dollar-denominated costs to the new exchange rate. This charge was about $25 million in Q2, following a similar $30 million charge in Q1.
Investors don't seem to realize that most of the factors holding back Embraer's profitability are transitory. As they fade in the coming months, Embraer's financial performance should bounce back.
First, on the commercial side, Embraer faces much easier comparisons going forward. In the first half of 2014, the larger E190 and E195 models made up 42% of Embraer's commercial deliveries. In the second half of the year, that dropped to 22% of the mix.
The E190 and E195 represent 34% of the firm backlog for current-generation E-Jets, or 28%, if you exclude 24 jets bound for JetBlue Airways that have been deferred until 2020 and beyond. This implies that Embraer's mix of deliveries should be somewhat better over the next two to three years than it has been in the last 12 months.
Second, on the defense side, Embraer's cost base revisions are essentially one-time items that will stop occurring when the real stops falling. With the real already having fallen sharply against the dollar in the past year, it is bound to stabilize eventually. That will remove a $55 million headwind that dragged down earnings in the first half of 2015.
Third, the cheaper real will provide a significant boost to Embraer's profitability. About 25% of Embraer's costs are real-denominated, but its commercial jets and executive jets are sold in dollars. This means that as the real declines in value, Embraer will earn higher margins in those segments.
Investors have dumped Embraer stock this year as its earnings have slumped. But the earnings trajectory is on pace to get a lot better in the second half of 2015 and in 2016. The future looks even brighter, as Embraer's next-generation E-Jets start arriving in 2018 and should generate significantly higher margins for the company. This makes the stock quite attractive at its current level.

industry_corpus2: Aerospace


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Filters the output of 'wp_calculate_image_sizes()'.
A source size value for use in a 'sizes' attribute.
Requested size. Image size or array of width and height values in pixels (in that order).
The URL to the image file or null.
The image meta data as returned by wp_get_attachment_metadata() or null.
Image attachment ID of the original image or 0.


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I want to state before I start my review that Bordello has some scenes that could be triggers for some readers, this is a darker romance so proceed with caution if you have triggers.
Now that that is out of the way can I say OMG Bordello completely hooked me in within pages. As I mentioned this is a darker romance but it is also a mafia romance and you know how much I love those. Giovanni and Aria’s story will wrap itself around you and not only keep you prisoner craving each new word, but it will also take you on an emotional at times dark roller coaster ride. My heart broke for Aria more than once, what she goes through would break a weaker woman. While Giovanni may have saved her, she does some saving of Giovanni as well. Both of these characters have a depth to them that once you see all the way inside you want them to be happy. The chemistry between these two is more than just sexual, it is life altering.
However, you know that saying “if you love something set it free?” Well that is so true in this story. I think I was so invested into their story that when things happen I wanted to go on a killing spree because it just wasn’t fair. Then again, I do have a bit of a violent anger management issue but then again you may feel the same way when you read Bordello.
I can’t stop thinking about this book even days after finishing it. Bordello is one that fans of darker mafia romances need to have on their TBR lists. I am curious if Giovanni’s brothers will get books because I want to read more for sure!