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The best health care options for early retirees
The most pressing worry for most baby boomers heading into retirement is how they’re going to pay for medical expenses.
The cost of health care has risen at a pace that far outpaces inflation and health care needs typically increase as individuals age, so it’s no surprise that such expenses would be a major concern. In fact, according to a recent survey by the National Council on Aging, some 56% of Americans aged 60 and older are worried about their health care expenditures outstripping their retirement savings.
Though not all-encompassing, the most effective way of mitigating large health care expenses is through insurance. To that end, over 90% of Americans have some form of health care coverage. The majority of that, however, is received through employer-sponsored plans. Roughly 56% of the population covered by employer-based health insurance is nearly triple the number of individuals covered by Medicare.
But if employer-based health care is so critical to so many individuals’ well-being, what happens when the coverage disappears? If coverage is available via a spouse, the sting may not even register. But for other retirees — whether by choice or by misfortune — when employer-provided health care terminates and no spousal coverage is available, other options must be explored.
THE LOGICAL CHOICE
For those who go until at least age 65 before retiring, health insurance is usually not much of an issue at all. That’s because once an individual reaches 65, they are generally eligible for Medicare.
Aside from the basis of age, an individual qualifies for Medicare if they or their spouse have worked and paid Medicare taxes for at least 10 years. Medicare is also available for certain younger disabled persons and those with permanent kidney failure, regardless of age.
For those who qualify on the basis of age, a seven-month initial enrollment period begins at the start of the month three months prior to the month in which they turn 65, and ends at the end of the month three months after the month they turn 65.
Reaching Medicare-eligibility age is a key milestone because the program provides extremely affordable health care coverage, thanks in large part to premium sharing with the Federal government. This is achieved via the Medicare taxes deducted from workers’ wages and/or self-employment income, which cover anywhere from 77% to 99% of the actual costs.
Traditional Medicare comes in three parts: Part A, Part B and Part D, each of which have separate premiums.
Part A, commonly known as hospital insurance, covers expenses such as inpatient hospital visits, hospice and care provided in skilled nursing facilities for a limited amount of time. Notably, the cost of this insurance is generally borne 100% by Uncle Sam, and is free for enrolled individuals.
Medicare Part B, or medical insurance, covers outpatient, preventative and most doctor services. Though not free, premium sharing helps keep costs down. For instance, most Medicare Part B participants are required to pay a premium that is equal to only 25% of the total cost of Medicare Part B. For 2019 this amount is $135.50 per month, per person. Higher-income individuals do pay more under Income-Related Monthly Adjustment Amount, or IRMAA, rules, which will be discussed further below.
Finally, Medicare Part D, or prescription drug coverage, varies in cost depending on the specific plan selected, but it is expected to average just $32.50 per month for most Part D participants in 2019. This cost has actually decreased over the last two years, and again almost 87% of the premium cost is actually borne by Federal and state government, making it relatively affordable — though IRMAA surcharges again may apply for high-income individuals.
The typical retiree with an average Part D plan has a total monthly Medicare cost of just $168, comprised of a $135.50 Part B premium and a $32.50 average Part D premium. It’s worth noting that this is just the cost of the Medicare insurance premiums. Other costs such as deductibles and coinsurance may apply when care is received, if not covered by another insurance policy. Fortunately these costs are relatively stable, averaging just slightly more than another $100 per month for those in otherwise good health and another $400 per month for those in poor health.
Regardless of a retiree’s annual income, the cost of Medicare Part A generally is fully absorbed by the Federal government. That said, the cost for both Medicare Part B and Part D increases as the premium sharing provided by the Federal government is reduced, and as a retiree’s income exceeds certain threshold amounts. The additional premium amount that a Medicare participant must pay as a result of their income is the aforementioned IRMAA, or Income-Related Monthly Adjustment Amount.
In 2019 the Part B and D IRMAA begins to kick in once a single filer’s modified AGI exceeds $85,000, and twice that amount, $170,000, for joint filers. At the first IRMAA tier, a Medicare Part B participant’s premium will be increased by only $54.10 per month per person. By contrast, as the chart below shows, retirees with the highest incomes have an IRMAA of $325 per month per person, which is equal to 85% of the actual Medicare Part B premium cost in 2019.
Thus, when combined with the base premium, those retirees with the highest income have a total Medicare Part B monthly cost of $460.50.
Like Part B, high-income Part D participants are subject to an IRMAA. As illustrated by the chart below, the lowest IRMAA tier for 2019 adds $12.40 per month per person to the base cost of a high-income individual’s Part D plan. On the other hand, those at the highest end of the income spectrum must add $77.40 per month per person to the cost of their selected Part D drug plan.
With a $168 monthly all-in Medicare premium, the average retiree has a strong claim to having the best deal in town when it comes to health insurance coverage. And while the IRMAA can significantly increase the cost of coverage for a high-income participant, when viewed in the proper context, even those with the highest incomes fair pretty well under Medicare. After all, Uncle Sam is still picking up all the cost for Part A and at least some of the cost for Part B and Part D.
Consider for instance that for the same Part A, Part B and average Part D coverage noted above, individuals with the highest income will have a monthly Medicare bill of $570.40 ($135.50 Part B Base premium + $325.00 maximum Part B IRMAA + $32.50 average Part D premium + $77.40 maximum Part D IRMAAa).
Sure, that $570.40 monthly amount is more than the $135.50 amount that would be paid by most Medicare beneficiaries for the same coverage, but it’s still much less than the $1,123 average monthly premium for a 64-year-old with a Sliver plan purchased via a health insurance exchange from a private insurer.
ROBUST AND ACCEPTED
While premiums matter, they are far from the only factor to consider when evaluating health coverage strategies. It’s critical to evaluate what expenses are covered by a policy, and what additional expenses — i.e., coinsurance, deductibles, etc. — will be borne by a participant when seeking care. Compared to other types of policies, Medicare tends to shine in these areas, especially when paired with an effective Medigap Medicare supplement policy.
While adding a Medigap Plan F might produce another $300 – $400 per month of total health insurance costs, it can virtually eliminate any additional costs for health services covered under Medicare, as such plans cover virtually all of the copay, coinsurance and other out-of-pocket obligations. Even with this additional cost, the total annual premium outlay for the highest-income Medicare participants would still be less than the cost of an average Silver plan policy for a 64-year-old.
Medicare is also widely accepted by doctors. In fact, more than 90% of non-pediatric primary care physicians accept Medicare. And the numbers of physicians accepting Medicare is almost identical to the number of physicians who accept any form of private insurance.
Alternatively, some retirees may wish to opt out of traditional Medicare and instead enroll in Medicare Part C, more commonly known as Medicare Advantage plans. Such plans are offered through private insurers and often provide all the benefits of traditional Medicare and Medigap policies — and then some, i.e., dental benefits, vision benefits, etc. — for lower total premium costs, at the expense of a far-reaching network of health care providers.
COBRA FOR GAPS
The Consolidated Omnibus Budget Reconciliation Act of 1995, better known COBRA, created another health insurance option for early retirees.
When an individual retires from an employer with more than 20 employees — though exceptions apply for Federal government employees and certain religious organizations — the employer is required to offer the employee, as well as their spouse and dependent children, the option to continue their existing health insurance coverage. Upon separation the employer will provide the employee with a COBRA election notice and a 60-day window in which the retiree and any family members eligible for coverage must make a decision with respect to electing coverage.
Technically, the 60-day election window begins at the later of the date the employee separates from service or their COBRA election notice is provided. However, in practice employers will not provide such a notice to a former employee until separation of service occurs.
The continuation-coverage requirement is not indefinite. In general, when an individual retires, goes part-time to such a degree they no longer qualify for employer-provided health insurance, or simply quits or is terminated from their job, COBRA coverage must be offered by the employer for a minimum of 18 months. Employers at their discretion can offer continuation coverage for longer than required by COBRA. Thus, if a retiree and their spouse are at least 63 ½ when the worker retires, COBRA will last long enough to bridge the gap between termination of employment and Medicare.
But while 18 months is the general COBRA rule, retirees should be aware of two key exceptions that can further extend the required-coverage period under COBRA.
THE 29-MONTH PLAN
One exception to the 18-month rule applies when, by the 60th day of COBRA coverage, a qualified beneficiary is certifiably disabled according to the Social Security Administration. For this purpose, a qualified beneficiary may be either the employee separating from service, the employee’s spouse or the employee’s child.
When applicable, the disability-related extension to the COBRA coverage window is 11 months. A verified disability claimed by any one qualified beneficiary triggers the 11-month extension for all qualified beneficiaries, providing such persons with a COBRA coverage widow of up to 29 months.
Example No. 1: Leslie, 61, is married to Ben, who is retired and just celebrated his 63rd birthday. For the last few years both Leslie and Ben have received health insurance though Leslie’s employer.
However, Leslie has recently become disabled and can no longer work. Upon her termination of employment Leslie and Ben would be able to continue their existing coverage under the regular 18-month COBRA window, plus the 11-month disability-related extension.
This would allow Ben to remain on the plan from his current age until he reached his 65th birthday and was entitled to Medicare — at which point the company can terminate his COBRA window. Additionally, Leslie would be able to keep her existing insurance for 29 months, at which point she would also be eligible for Medicare due to her disability.
Note that in general, workers disabled prior to age 65 are eligible to receive health insurance via Medicare. Such coverage is typically available, however, only after an individual has received Social Security disability benefits for at least 24 months, and such benefits don’t begin until five months after an individual is determined to be disabled.
Not coincidentally, the five-month waiting period for the Social Security disability benefit, combined with the 24 months an individual must receive Social Security disability benefits prior to qualifying for disability-related Medicare, equals 29 months — the same amount of time as the regular COBRA window upon separation of service, plus the 11-month extended window that applies in the event of disability.
THE OTHER 18
A second exception to the typical 18-month COBRA window that applies upon separation of service — and one that is very relevant for retirees — is applicable if the retiring worker became entitled to Medicare less than 18 months before the separation of service. As such, this exception often applies when an individual retires between 65 and 66 ½.
In such situations the COBRA window is extended until 36 months after the date the employee became entitled to Medicare coverage. Of course, since at this point the retiree can go on Medicare, he/she won’t need to use COBRA continuation coverage. The retiree, however, may have a younger spouse or a dependent child who still needs coverage, and the extended COBRA window can help such individuals remain covered.
Example No. 2: Andy is turning 65 in November 2019 and plans to retire the following month. His wife, April, who is covered by Andy’s group health insurance policy, is only just past her 62nd birthday, and won’t turn 65 until July 2022.
Since Andy will be over the age of 65 when he retires, he will use Medicare as his health insurance. April, on the other hand, still needs health insurance coverage to bridge the gap for nearly three years until her Medicare eligibility.
Normally, April’s COBRA continuation coverage would end in June 2021, leaving a roughly one-year gap between her current existing coverage and her Medicare eligibility. However, since Andy became entitled to the Medicare within the 18 months prior to his retirement, April is eligible for the special 36-month, Medicare-related COBRA window. That period would not end until December 2022, which conveniently falls after April turns 65. Thus, the extended Medicare-related window will allow April to bridge the full gap between Andy’s separation of service and her enrollment in Medicare.
BENEFITS OF COBRA
COBRA offers several benefits to prospective retirees. For one, getting COBRA continuation coverage is simple. There’s no underwriting, it’s guaranteed issue and coverage can be terminated at any time.
In situations where separation of service is a predetermined event, pre-planning may allow an individual enough time to appropriately evaluate a variety of coverage options and reduce the value of this benefit.
In situations where separation of service is unexpected, having an insurance policy with known benefits can be helpful and allows focus to remain on matters that are often more important at the time. If, for instance, an individual is terminated from employment, they may find it more valuable to search for a new job than for appropriate health coverage for themselves and their family. Similarly, if employment ends due to illness or injury, time may be best spent focusing on healing.
Another key benefit of COBRA is that, since it is the same coverage an individual had while employed, there should be no disruption to ongoing medical care. No time has to be spent calling doctors to confirm they accept new insurance, and no effort has to be expended looking for doctors on a new plan — because there is no new plan. In a similar vein, copayments, coinsurance and other plan features remain the same.
Although less important today, thanks to the Affordable Care Act COBRA continuation coverage also maintains an individual’s HIPAA eligibility. Under HIPAA, an employer could not exclude a new employee’s pre-existing condition from coverage for more than a year.
And more importantly, especially for an early retiree, if an individual were HIPAA-eligible — that is, had continuous coverage for at least 18 months, with the most recent coverage via a group health plan — coverage provided by a new employer’s plan would begin immediately, and with no restrictions on pre-existing conditions.
Furthermore, such HIPAA eligibility would guarantee an individual the right, after exhausting COBRA continuation coverage, to purchase an individual health insurance plan directly without an employer — and at a time when such plans could otherwise deny such coverage — effectively making group health insurance portable to individual coverage, albeit only by first obtaining and exhausting COBRA coverage.
The Affordable Care Act, commonly known as ACA or Obamacare, no longer allows employers’ health insurance plans to deny coverage for any pre-existing conditions for any period of time. And as discussed in greater detail below, the same law made individual policies purchased via an exchange guaranteed issue, i.e., not requiring medical underwriting. The portability benefits of HIPAA are consequently no longer as meaningful.
The legislation, however, has been a source of intense political controversy, and there have been several attempts to repeal it in part, as well as in its entirety. In the event such repeals were effective, HIPAA credibility would likely become significantly more important. Thus, those concerned about the political risks surrounding ACA should consider this issue when evaluating health coverage options.
COST OF COBRA
Given its simplicity and other benefits, one might wonder, “Wouldn’t it almost always make sense to use COBRA continuation coverage when possible?” Indeed, while that might make sense for many individuals if they had an unlimited budget, the cost of maintaining COBRA continuation coverage is often the fly in the ointment.
As noted earlier, when an individual elects COBRA continuation coverage they become responsible for the full cost of the policy. And in most instances, employers are allowed to charge an additional 2% administration fee, bringing the total cost of the policy to 102% of the actual premium. However, this amount may be increased to 50%, making the total COBRA cost 150% of the policy premium, during the additional 11 months in which COBRA coverage is provided on account of a former worker’s disability.
It is important to note that the actual COBRA premium includes any amounts that were being paid by an employer prior to an employee’s separation of service. Given the average employer covers more than 80% of the cost of an individual policy and more than 70% of the cost of a family policy, this increase can catch unsuspecting retirees by surprise, and it is often the reason COBRA is turned down. Additionally, COBRA is not eligible for the premium credits that are sometimes available for lower-income taxpayers purchasing coverage via a public exchange.
Example No. 3: Jerry was recently let go from his employer. Prior to his termination, Jerry was paying $300 per month for his family health insurance, while his employer was picking up the remaining $1,700 balance of the $2,000 monthly premium.
If Jerry decides to continue his existing family coverage via COBRA, his monthly costs will increase from $300 per month to $2,040 = $2,000 x 102%, a nearly 600% increase.
Of course, in many cases purchasing health insurance on an exchange will result in a similarly substantial cost increase, as the primary driver is not that COBRA is more expensive but simply that it is provided without the common employer-provided premium subsidy. As a result, eligible retirees shouldn’t automatically reject COBRA coverage because of its relatively higher cost. Instead it’s necessary to compare the cost of COBRA to other available alternatives at the time of retirement.
UNDERSTANDING COBRA RULES
It is generally advisable to avoid any gaps in coverage. However, in limited circumstances, an individual can effectively guarantee coverage if health services are needed, while avoiding the need to pay for unnecessary coverage if such services are not required.
Recall that the COBRA rules require that an individual be given no less than 60 days to make their COBRA decision from the later of the date on which coverage is lost, or the date on which they receive their COBRA Election Notice. And once elected, the coverage is applicable retroactively back to the date the original coverage was terminated — i.e., at the end of employment.
Thus, if new coverage will be secured by the end of the 60-day COBRA election window — i.e. an individual becomes eligible for Medicare, coverage is available via a spouse’s employer, etc. — an individual who does not expect to need care before the new coverage is secured can forgo the COBRA election with the hope of avoiding a few months of health care premiums. If coverage becomes necessary within the window, it can be elected at that time.
Example No. 4: Ron is planning to retire from his employer on December 31, 2019, at which point his employer-provided health coverage will terminate. Ron, however, will turn 65 on March 25, 2020, thus making him eligible for Medicare as of the first of that month.
Ron can “game” the COBRA rules to potentially avoid buying health insurance for January and February 2020. Given that Ron has no less than 60 days from the date he loses coverage to make a COBRA decision, if Ron has no immediate health care needs he can simply sit tight during the two months between his separation of service at the end of 2019 and when his Medicare coverage begins at the beginning of March 2020.
Suppose, however, that on February 15 Ron has shortness of breath and goes to the hospital for evaluation. At that time, he can contact his former employer to elect COBRA continuation coverage and minimize his out-of-pocket expenses for the hospital visit. It’s worth noting here that while the coverage itself would be retroactive to Ron’s termination, Ron would owe COBRA premiums for both January and February 2020 if he needed to make the COBRA election.
Also note that while COBRA rules only apply to employers with 20 or more persons, many states have similar requirements under what are known as mini-COBRA laws. Those separating from service from smaller employers should check to see what options are available to them under state law, especially since mini-COBRA rules vary dramatically from state to state.
GROUP TO INDIVIDUAL
An additional option for some retirees is to convert their group health insurance policy into their own individual health plan.
This option can be provided by a group plan, but it is not required. However, if such an option is available to a participant upon separation of service as an alternative to COBRA, the same option must also be made available at the endof the COBRA continuation-coverage window presuming COBRA was elected and maintained until that time.
Unlike COBRA continuation coverage though, the terms of a conversion policy do not have to be the same as the old policy. As such, premiums for such policies may be higher, and/or the policy may provide a lower level of coverage. Conversion options must consequently be evaluated on a case-by-case basis.
Finally, while COBRA maintains an individual’s HIPAA eligibility, conversion coverage is individual market coverage. Thus, it does not maintain the individual’s HIPAA eligibility. Although far less important in the post-ACA world, HIPAA eligibility continues to provide individuals purchasing individual coverage greater protection than is otherwise available via state law.
HEALTH CARE EXCHANGES
Retirees looking for coverage can also opt to purchase a health insurance policy via a state health insurance exchange. This option is often the best for retirees who either:
- Find that their COBRA continuation and/or conversion policy options are too expensive to maintain, or that they would prefer less robust but less expensive coverage;
- Have exhausted their COBRA continuation coverage window and are still not eligible to enroll in Medicare;
- Are moving to another state after retiring, and few or possibly even no doctors in the new location will accept the existing COBRA continuation coverage insurance; or
- Are eligible to receive premium assistance tax credit subsidies for their health insurance as a result of low income.
Public health insurance exchanges were created by ACA, and serve as a marketplace for persons seeking health insurance coverage. Each state has either its own exchange, uses the one created by the Federal government or uses a hybrid approach. Functionally though, the end result is the same: Individuals receive a range of health insurance options in their state but must purchase insurance from the state in which they maintain their permanent address. If that state of residence changes, so must their coverage.
Of critical importance for many retirees is that since 2014, ACA has required that all major medical insurance policies be issued on a guaranteed basis. Thus, an individual can no longer be denied for a pre-existing condition, and to that end, the often-arduous medical underwriting process that applied in the pre-ACA era is also no longer applicable. In other words, an early retiree is assured, similar to COBRA coverage, of being able to transition from employer-provided health insurance to a private insurance plan via an insurance exchange, regardless of any health conditions.
But while a retiree can’t be denied coverage for a pre-existing medical condition, they cannot simply purchase coverage via an exchange whenever they want. Rather, coverage can only be purchased during an enrollment period. In general, retirees who lose employer-provided health coverage and wish to insure themselves via an exchange-purchased policy should secure coverage during their special enrollment period. This period begins when the employer policy is terminated and ends 60 days later.
If coverage is not purchased during this time, it is generally necessary to wait until the next open enrollment period, which runs from the beginning of November to mid-December each year, with coverage taking effect at the beginning of the subsequent year. However, this could leave a retiree dangerously exposed to health care costs incurred prior to the start of that policy.
Example No. 5: Chris, 63, is an exceptionally healthy individual who retired on February 10, 2019. Given his health and the repeal of the individual mandate — made effective beginning in 2019 via the sweeping tax legislation of late 2017 — Chris decided to roll the dice and wait until 65 to enroll in Medicare to have coverage.
Unfortunately, in August 2019 Chris begins to suffer from severe itching and unexplained weight loss. Eventually Chris goes to the doctor, who informs him he has Hodgkin’s lymphoma and must begin treatment immediately.
In this situation Chris would only be able to enroll in health insurance coverage during the next open Enrollment Period, which doesn’t open until November 1, and coverage wouldn’t begin until January 1, 2020. Chris would consequently be responsible for the full cost of his treatment from August until next January — which could easily bankrupt him, even if he had substantial savings.
Plan costs can vary dramatically on exchanges based on a number of factors, but somewhat ironically, an individual’s health is not one of them. Rather, under Federal law the only five factors that insurance companies can use — unless the state uses even fewer factors — when establishing premiums are: age; location; tobacco use; individual coverage vs. coverage for an individual and a spouse and/or dependents; and plan category, e.g., Catastrophic, Bronze, Silver, Gold and Platinum.
As noted earlier, the average cost of a Silver plan purchased via an exchange for a 64-year-old in 2019 is $1,123. But that’s just the average, and the actual price can vary substantially from location to location. For example, a Silver plan will cost a 64-year-old living in Lincoln, Nebraska, about $1,758 per month. That’s more than 50% higher than the national average. Meanwhile, a Silver plan for the same 64-year-old living in Indianapolis would cost $885 per month.
In a small number of states, health insurance for early retirees is dramatically cheaper than the national average, thanks to what are known as Community Ratings. Most states allow insurers to charge more to provide health insurance to an older person than to a younger person. But in a handful of states, insurers are required to use Community Rating, in which all persons in a geographic area are charged the same for the same insurance, regardless of age.
As one might imagine Community Rating systems result in younger individuals having health insurance costs that are higher compared to individuals of the same age in other, non-Community Ratings–based locales. But while it may come at the expense of younger persons’ finances, this is generally a boon for older individuals who need to purchase health insurance via an exchange.
In New York City, with one of the highest costs of living in the country, the average monthly premium paid by a 64-year-old individual purchasing a Silver plan in 2019 is just $585. That is exactly the same premium that would be paid by a 24-year-old in the same place.
UTILIZING TAX CREDITS
After separating from service, some retirees will experience a dramatic reduction in income. In such situations individuals may find themselves eligible to receive a Premium Assistance Tax Credit, or PTAC — i.e., an insurance premium subsidy — to help pay for their health insurance.
To qualify for a PATC, an individual must purchase health insurance via an exchange and generally meet the following requirements:
- Household income between 100% and 400% of the Federal poverty level for the family size ($12,140 to $48,560 for a single individual in the continental U.S. during 2019, or $$16,460 to $65,840 for a married couple);
- Cannot be claimed as a dependent by someone else;
- Cannot be eligible for coverage through a government program (i.e., Medicare, Tricare, CHIP, Medicaid) or be able to purchase affordable coverage (less than 9.86% of household income for employee’s cost of employee’s coverage for 2019) via an employer-sponsored plan of minimum quality (actuarial equivalent of a Bronze plan, or higher);
- Cannot file married-separate; or
- Be a U.S. citizen or lawful resident.
When eligible the PATC an individual receives is calculated using a complicated formula based on comparing the individual’s household income to the cost for the second-lowest-priced Silver plan available in the state. However, while the price of such a plan is the benchmark to determine the tax credit itself, a retiree can choose to purchase any plan they desire and use whatever credit is available toward the selected plan.
Purchasing a Bronze plan, for instance, might allow a low-income retiree to completely offset the cost of their health insurance with the premium they received. Meanwhile, if a retiree purchased a Platinum plan, they would almost certainly have to foot a substantial part of the bill via savings or some other means.
WHICH IS BEST?
In most cases, the best option for retirees is to hop onto Medicare. Absent that option, the question is generally, “Would I rather keep my current coverage via COBRA for as long as possible, or should I just get an individual coverage via an exchange?” A response must take into consideration a number of questions, not least of which being: Will key doctors take the new exchange-purchased insurance? How expensive is COBRA in comparison to the exchange-purchased policy? Would PATC be available for an exchange-purchased policy?
The onus falls squarely on the individual to sort out what makes the most sense for their situation. But with a little guidance from a trusted source, retirees can rest easier at night. And that alone carries its own, clear health benefits.

domain: finance


A certificate of return has been presented to Mr. Godwin Obaseki as the duly elected Governor of Edo State by the Independent National Electoral Commission (INEC).
Obaseki and Philip Shaibu, his deputy, both of whom contested in the state governorship election under the Peoples Democratic Party (PDP) were presented with the certificate in Benin City today.
Making the presentation, INEC’s south South national commissioner, May Agbamuche-Mbu, said Obaseki fulfilled all the constitutional requirements to emerge winner of the election.
Obaseki was re-elected after defeating the All Progressives Congress (APC) candidate, Osagie Ize-Iyamu, garnering 307,955 votes across 18 local government areas (LGAs) while Ize-Iyamu got 223,619 votes.
The Governor – elect, who will begin his second term in office in November, 2020, won in 13 LGAs while Ize-Iyamu won in five.


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Grand Theft Auto V (GTA 5) has been a gaming sensation since its release, offering players an expansive open-world experience filled with action, adventure, and limitless possibilities. However, even the most beloved games can benefit from a fresh perspective, and that’s where visual overhaul mods come into play. These mods have captivated the GTA 5 community by elevating the game’s graphics to unprecedented heights, breathing new life into the virtual world and allowing players to experience Los Santos like never before. In this article, we’ll explore the top 5 visual overhaul mods for GTA 5 that unleash the game’s aesthetic potential, making it a visually stunning masterpiece. https://tradesupreme.ai/
What are Visual Overhaul Mods for GTA 5?
Visual overhaul mods are a testament to the creativity and ingenuity of the gaming community. They are custom modifications developed by talented individuals that focus on enhancing the visual aspects of GTA 5. These mods push the boundaries of the game’s graphics by introducing high-resolution textures, improved lighting, advanced weather effects, and other visual enhancements. The result is a breathtaking transformation that redefines the gaming experience and immerses players in an even more realistic and captivating world.
The Impact of Visual Overhaul Mods on GTA 5
The impact of visual overhaul mods on GTA 5 is nothing short of awe-inspiring. These mods revolutionize the game’s visuals in several crucial ways:
Enhancing Graphics and Realism
Visual overhaul mods revamp the game’s graphics by replacing the original textures with high-definition counterparts. Buildings, landscapes, and objects in the game world become more detailed and lifelike, elevating the overall visual quality to astonishing levels.
Improving Lighting and Shadows
Dynamic lighting and shadows play a vital role in creating a realistic and immersive environment. Visual overhaul mods bring significant improvements to the lighting system, making sunlight more radiant, moonlight more atmospheric, and artificial lighting more realistic, casting accurate and captivating shadows.
Upgrading Textures and Models
Character models and vehicle designs receive special attention from visual overhaul mods. Characters appear more detailed and refined, and vehicles showcase enhanced models and textures, making them look more like their real-life counterparts.
Revamping Weather and Environment
Weather effects in GTA 5 undergo a stunning transformation with visual overhaul mods. Rain becomes more realistic, fog turns eerier, snow becomes more serene, and other weather conditions are enriched to create a more vibrant and dynamic game world.
Top 5 Visual Overhaul Mods for GTA 5
- Mod 1: UltraVision
- Description and Features: UltraVision is a pioneering visual overhaul mod that redefines realism in GTA 5. It introduces ultra-high-resolution textures, dynamic weather patterns, and an advanced lighting system. The mod also enhances character models and vehicle designs to achieve unparalleled visual fidelity.
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- Mod 2: RealGFX
- Description and Features: RealGFX is a comprehensive visual overhaul mod that focuses on creating realistic lighting, shadows, and reflections. The mod breathes life into the city of Los Santos, making it a bustling and dynamic metropolis.
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- User Reviews: Players have marveled at RealGFX’s impact on the game’s visual quality. The improved lighting and realistic reflections have garnered praise, creating a more immersive experience for players.
- Mod 3: HD Environment
- Description and Features: HD Environment is a must-have visual overhaul mod for players seeking a more vibrant and stunning game world. It introduces high-definition textures for landscapes, foliage, and environmental elements, transforming the virtual world into a picturesque landscape.
- Installation Guide: HD Environment provides a straightforward installation process. Players can follow the instructions to effortlessly enhance their GTA 5 visuals.
- User Reviews: Players have been in awe of HD Environment’s contribution to the game’s overall beauty. The detailed textures have received special appreciation, creating a more captivating and believable environment.
- Mod 4: ImmersiveFX
- Description and Features: ImmersiveFX is a game-changer for those looking to elevate their GTA 5 experience. The mod boasts an extensive set of enhancements, including improved weather effects, enhanced water reflections, and realistic particle effects.
- Installation Guide: Installing ImmersiveFX is made simple through a user-friendly installation process. Players can follow the provided instructions to bring their game visuals to a new level.
- User Reviews: Players have hailed ImmersiveFX for its attention to detail and the captivating weather effects it introduces. The mod has been praised for breathing new life into the game world and making it feel more dynamic.
- Mod 5: PhotoReal
- Description and Features: PhotoReal is a visual overhaul mod that aims to bring photorealistic visuals to GTA 5. With improved textures, lighting, and reflections, the mod creates a stunning visual spectacle that challenges the boundary between virtual and real.
- Installation Guide: PhotoReal offers an intuitive installation process that players can follow to seamlessly integrate the mod into their game.
- User Reviews: Players have been astounded by the realism achieved by PhotoReal. The attention to detail and the game’s newfound beauty have been the highlight of this mod, making it a top choice for visual enthusiasts.
Factors to Consider When Choosing Visual Overhaul Mods
As players venture into the realm of visual overhaul mods, it’s essential to keep some key factors in mind:
Compatibility with GTA 5 Version: Ensure that the mod you choose is compatible with your version of GTA 5 to avoid conflicts and crashes.
System Requirements: Check if your gaming system meets the minimum and recommended requirements for the mod to run smoothly.
Developer Support and Updates: Look for mods with active developer support and regular updates to ensure a seamless experience with future game updates.
Popularity and User Ratings: Read user reviews and ratings to gauge the overall satisfaction of the mod’s users.
Installation Tips and Precautions
As you prepare to install visual overhaul mods, follow these tips to ensure a smooth experience:
- Back Up Your Game: Before installing any mod, create a backup of your original GTA 5 files to revert to the vanilla game if needed.
- Source from Trusted Websites: Download visual overhaul mods from reputable sources to avoid potential issues with broken or malicious files.
- Check for Compatibility: Ensure that the mod is compatible with other mods you may have installed to avoid conflicts.
- Stay Updated: Keep your mods up to date and ensure compatibility with the latest version of GTA 5 for a seamless experience.
- Follow Instructions: Pay close attention to mod-specific installation instructions and follow them carefully to avoid any installation errors.
Frequently Asked Questions (FAQs)
- What are visual overhaul mods?
Visual overhaul mods are custom modifications created by the gaming community to enhance the graphics and visual effects of GTA 5, making it more realistic and immersive.
- Are these mods compatible with consoles?
Visual overhaul mods are primarily developed for the PC version of GTA 5 and may not be compatible with gaming consoles.
- How do I install visual overhaul mods?
Installing visual overhaul mods is generally a straightforward process. Most mods come with user-friendly installers or detailed instructions on how to integrate them into the game.
- Can I use multiple visual overhaul mods together?
In most cases, it’s possible to use multiple visual overhaul mods together, as long as they are compatible and don’t conflict with each other. However, it’s essential to read the mod descriptions and follow any provided guidelines.
- How can I uninstall these mods if needed?
Uninstalling visual overhaul mods is typically straightforward. Many mods come with uninstallers, and players can also revert to their original game files by restoring the backup created before installing the mods.
Visual overhaul mods have transformed GTA 5 into a breathtaking masterpiece, elevating the game’s visuals to unprecedented heights. With UltraVision, RealGFX, HD Environment, ImmersiveFX, and PhotoReal, players have access to an array of stunning options to enhance their gaming experience. As you embark on your journey with visual overhaul mods, remember to choose wisely, follow installation guidelines, and enjoy the newfound beauty and realism of Los Santos.

domain: artistic


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Kitchen Assistant Manhattan Country School
- Date Posted February 27, 2020
- Location New York, NY
- Category Culinary / Education
- Job type Part-Time
Manhattan Country School, a progressive, independent pre-K-8th-grade school, is seeking a new staff person to help our existing kitchen team create healthy, delicious, homemade meals from locally sourced foods, including meat from the school’s teaching farm in the Catskills. The goal of the Food Program is to reflect the school's overall mission of diversity, equality and sustainability by promoting the values and practices of the food curriculum used at the Farm, in which children learn about food production and preparation with a focus on sustainable practices. This includes integration with the curriculum via collaboration with the development of a new rooftop garden, and a variety of classroom-based cooking used to study different cultures and traditions. The program also seeks to promote diversity and equality through a discussion of food justice.
For more about the school’s mission, vision and values, please see: http://www.manhattancountryschool.org/about-us/philosophyhistory/missionJob description
The ideal candidate will have:
- exceptional organizational skills and attention to detail;
- the ability to prioritize and meet deadlines;
- a professional work style, including timeliness, dependability, efficiency, cleanliness and good communication skills;
- ability to lift 50 pounds, use the stairs, and work for long periods on your feet
- prior experience working in a kitchen, strong knife skills, basic understanding of common kitchen equipment and food safety
- a balanced approach to healthy, sustainable, delicious foods and cooking
- an interest in becoming a part of the school community and a commitment to the core values of the school;
- the ability to be flexible and work hard to get the job done, often including helping to wash dishes, take the trash out, storing food properly, assisting faculty and staff with special requests, etc.
- While this is position does not consist of direct involvement with children, we are a lively school and you must be comfortable around children. There is room to grow and potential opportunities for teaching students, in addition to work responsibilities in the kitchen.
- Assisting the existing kitchen staff in daily preparation and serving of snack and lunch.
- Maintaining kitchen cleanliness including: washing dishes, cleaning equipment, taking out the trash, vacuuming and mopping.
- Ensuring timely delivery of student snack and lunch to classrooms.
- Basic food prep including washing produce, cutting vegetables, and preparing simple baked goods under the guidance of the Head Chef.
- Receiving and properly storing food and supply deliveries.
- Ensuring kitchen and staff areas are properly stocked (i.e. refilling paper towels, restocking coffee and tea, etc.)

domain: food


First-Time Homebuyers Getting Serious About Buying a HomeAdvertiser Disclosure
More than half of millennials (52%) who think they’ll buy their first home in the next five years say debt is keeping them from purchasing a house, according to a survey from TD Bank. An even larger portion (70%) say they need to save more for a down payment. Yet these aspiring homeowners are optimistic, with two-thirds of them expecting to buy within the next two years.
First-time homebuyers of other generations face those barriers, too, but they’re not as common. However, millennials were more likely than everyone else to say they expect to buy a house in the next two years.
Among respondents of any age, 45% cited debt as a barrier to homeownership, and 64% said they need to save more for a down payment. The data comes from a nationally representative respondent pool of 1,002 people looking to buy their first homes within five years, with a margin of error of plus or minus 3 percentage points. The survey occurred between June 6 and June 11.
Financial preparedness is only one part of becoming a homeowner, though it’s an important one. Another factor is home availability: One in five of first-time homebuyers actively looking for a home can’t find something they like in their price range (this calculator can help you figure out what you can afford), according to the survey. Among this pool of potential buyers new to the housing market, 22% said they are actively looking.
There’s not much consumers can do about that last part — some markets are going to be more affordable than others — unless you’re willing to move to a more affordable location for the sake of homeownership. What house hunters can control is their preparedness for homeownership. A huge part of getting a home is qualifying for an affordable mortgage, which relies heavily on the borrower’s credit standing. You can get your free credit report summary and make a plan to improve your credit on Credit.com, as a way to help prepare for mortgage applications.
More on Mortgages & Homebuying:
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Christine DiGangi covers personal finance for Credit.com. Previously, she managed communications for the Society of Professional Journalists, served as a copy editor of The New York Times News Service and worked as a reporter for the Oregonian and the News & Record. More by Christine DiGangi


KWX-N32A16P2U-H3 Individual Outlet level Switching 32A 0U 16 Port plug: IEC60309 32A input 230V CB serial/internet. 16 x lockable IEC-Total PDU Current Monitoring and Outlets Level Switching.
PDU eXperts KWX-Network IP PDU. Total Current Monitoring, Individual Outlet level metering and switching (On/Off) series offers a range of power monitoring and switching capabilities combined with built in local environmental monitoring software, providing real time power consumption of the total current load and voltage of the PDU and individual outlets (dependent on version), which is accessible via the user friendly PDU eXperts PDU management interface.
PDU eXperts intelligent KWX-PDU management software enables the administrator to give designated users predetermined control over whole PDUs or even single outlets over a range of PDUs. Users have the ability to monitor and control directly through the PDUs network module on site, or remotely using our embedded multi-threading inner core “Real time operating systems” (RTOS) software. The management software is accessible within the data centers secure hardwired network supporting various TCIP/IP protocols, including HTTP, HTTPS, SSL, SNMP versions 1,2 & 3, TELNET, SSH, SMTP and NTP.
Total Power Monitoring-Individual outlet metering and power switching-Adjustable sequential powering (on/off)-Hot swappable network card (for 0U only PDU)-Total voltage input & output monitoring-Total kWh used-Power factor recognition-32Amp input plug-16 x lockable IEC-C13 Outlets-Up to 55°C Hot aisle operating capacity-SMS, SNMP & Email. Blade server ready, Intelligent outlet type and recognition, 24v & 48v DC, Single phase 120v & 240v & 3 phase 400v-Effortless user friendly PDU management interface Control up to 3 KWX slaves from a master KWX PDU
Built in environmental monitoring as standard:
Temperature & humidity alarm sensor-Water logging alarm sensor-Infrared sensor “Intrusion & detection”-Smoke detector-Automated alarm notifications. Up to 8 plug and play sensors.
- temperature and humidity sensor
- smoke sensor
- water logging sensor
- infrared sensor (Intrusion Detection)
- rack door sensor
- total current
- total kWh
- input voltage
- environment humidity
- environment smoke
- water logging
- infrared monitoring
- door monitoring
- total current threshold alarm
- temperature and humidity alarm,
- smoke alarm
- water logging alarm
- infrared alarm
- rack door alarm


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Gane faced Tuivasa in the main event of UFC Paris this past Saturday, and while Gane was ultimately able to win the fight, he had had to work through some serious adversity to do so. In the second round, Tuivasa dropped Gane with a right hand that nearly turned the lights off for the Frenchman, and “Bon Gamin” admits he was in serious trouble.
“The feeling was just, because I didn’t see anything, talking about his punch, that’s why I fell down, and I think the ground woke me up,” Gane told Ariel Helwani on The MMA Hour. “When my ass touched the ground I said, ‘Oh, what happening?’ And I understood and reacted directly, that he caught me so I go ahead on his legs to grab and stand up, and after that, I took a rest — maybe three, four seconds — and moved away and it was OK, but he touched me for real.
“He’s really dangerous. You see sometimes you have some guys, you can’t explain, but he has something in his hands, just like that. When the guy touches you, you go down. That’s it. Incredible.”
During his UFC career, Gane has faced some of the biggest punchers in heavyweight history, including Francis Ngannou, Derrick Lewis, Jairzinho Rozenstruik, and Junior Dos Santos. Even still, he has high praise for Tuivasa, saying he’s never felt that kind of power before.
“No [I’ve never felt power like that before],” Gane said. “When you look at the punch, it really doesn’t look hard, powerful. But when he touches you, he touches you for real. That’s why I say, I don’t know exactly. I can’t explain, but he has something in his hands and this is the first time I’ve felt this.”
Despite how much trouble he was in during the second round though, Gane found a way to battle back, hurting Tuivasa in the second round before finishing the fight in the third round.
“I was always in, even this experience when I go down, I was in, I was focused,” Gane said. “And the last round, it was, ‘OK man, you run on me, so I’ve got not choice but to do the real war now.’ Normally I like to do the ‘Bon Gamin’ style, move away, but at this moment, it was not possible, so that’s why I faked to go away and I went in with the knee, boom, attacked him. I give him the middle knee, uppercut...it was a great fight. It was cool.”
Not only was the fight great, according to Gane, it was the best win of his career thus far, including his interim heavyweight title victory over Derrick Lewis.
“100 percent, the feeling was really different,” Gane said when asked if this was the biggest win of his career. “At the beginning of the fight it was ‘Ciryl! Ciryl! Ciryl!’ The feeling was really crazy. This was making me really happy. I don’t know if I can explain exactly the feeling, but when I finish the fight, my reaction was just I want to see everyone scream. Everyone was really happy, so I just walked [around] the cage, maybe two or three [times], just looking at the fans like, ‘Wow, you are really crazy.’ So it was a big moment.”
With the win, Gane moves to 8-1 in his UFC career, and the former interim champion is now targeting a fight with Jon Jones or another title shot.

domain: sports


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When it comes to adding a bit of extra zing to any meal, whether it be a humble sandwich or a plate of steak and chips, Tracklements is the way to do it in style. With a range of products that would tickle any taste buds, Tracklements have a fantastic range of sauces, chutneys, pickles, relishes and more. They have genuinely been a favourite of mine for many years and this time of year, especially, they are the perfect accompaniment to any picnic.
Tracklements describe themselves as Curious Curators of Culinary Condiments and their story began in 1970 when the founder William Tullberg found a recipe for mustard in John Evelyn’s 17th-century diary and tried his hand at making mustard. From those humble beginnings, the company grew and nearly 50 years later, Tracklements is still in the family and produces over 60 different products that are shipped worldwide. Everything is still made by hand in small batches, using traditional recipes and when you try Tracklements you can tell. Nicely packaged, they look, smell and taste amazing and it is always nice to discover British family-run companies.
When it comes to picnics, I have a few favourite Tracklement products. First up are the Original Onion Marmalade and the Red Onion Caramelised Red Onion Relish. Trust me when I tell you that both of these are seriously addictive.
One of my favourite sandwiches is of all time is brie and bacon and I tried to recreate a favourite coffee chain version using the Tracklements Caramelised Red Onion Relish and it was perfect. Crispy bacon, slightly melted brie, fresh bread all topped with the relish makes the best sandwich ever. Seriously, you have to try it.
The Original Onion Marmalade is perfect with sausages or nice on pate or cheese. If I am creating a picnic in a hurry, I will often pack some crackers and possible toppings such as cheese, ham or pate so that we can make our own lunch as we want. Both mustard and the Original Onion Marmalade are great to add a dab on top for extra flavour.
Cheese and pickle is a match made in heaven and made even more heavenly with this delicious Perfect Ploughman’s Pickle from Tracklements. Cheese and pickle sandwiches were the main staple of my childhood lunchbox and I still love them today. No picnic would be the same without them.
These days I like my cheese and pickle on a really nice bread, maybe a sourdough or a speciality bread with some cheese and pickle on top. Yummy.
Mustard is a summer store cupboard staple to add some extra taste to sandwiches, cold meats, pastry products or to whip up a quick salad dressing. Two of my favourite mustards from Tracklements are the British Beer Mustard and the Spiced Honey Mustard.
I love to spice up my picnics with some Indian specialities. Samosas, bhajis and pakoras make perfect finger food and I love to add some crunch with mini poppadoms.
You cannot have poppadoms without mango chutney if that isn’t the law, it should be. Tracklements have that covered too with their Indian Mango Chutney. Perfectly sweet and moreish with good sized chunks of mango, don’t take the whole jar as you will eat the lot.
And let’s not forget the humble barbecue. We love a good barbie in the summer months and you can’t have a barbecue without tomato ketchup. Trust me when I say that Tracklements Proper Tomato Ketchup is the best around. It has a thick texture and a rich intense tomato flavour which adds so much flavour to burgers, hot dogs, bacon, chicken and more.
My family are real connaisseurs of tomato ketchup and they all loved this one and it is delicious in both bacon sandwiches and burgers.
Tracklements have many more products in their amazing range, these are just my favourites but I would definitely recommend you adding some Tracklements products to your shopping list this summer to help create some tastier picnics. Find out more about the Tracklements range and your local stockist on the website.
This post was written in collaboration with Tracklements but I do already buy and regularly use Tracklements products


Launching tomorrow, Check – the Children’s Ethical Communications Kit - www.check.uk.com is a website that brings together all the existing regulations around marketing to, or communicating with, children. The site aims to bridge the knowledge gap that has appeared as new marketing techniques, and their corresponding regulation, proliferate.
Marketing to children featured in both the Conservative and Liberal Democrat pre-election manifestos and Prime Minister David Cameron now chairs a "childhood and families taskforce".
When launching the taskforce in June, Deputy PM Nick Clegg announced: “We are committed to cracking down on irresponsible advertising and marketing. If we are really going to restore and protect the innocence of childhood, action here is absolutely key.”
Check offers marketers a guide to the rules and where they apply, based on key campaign elements. With the help and support of Government, regulators, practitioners and trade bodies all the existing regulations and rules are now accessible in one place.
Ian Barber, director of communications at the Advertising Association said: "Nobody gains from irresponsible marketing where children are concerned. It’s damaging for client relationships, for brands, for the industry’s reputation and for the person that gets it wrong. Marketing and children is a hot topic and it’s good to see the industry keeping one step ahead."
Andrew Mallandaine, UK sales director at Turner Media Innovations said: "As well as working to set guidelines, Turner Media Innovations places paramount importance on a high standard of self-regulation and responsibility in the advertising space, so there is an obvious synergy between our outlook and CHECK’s objective. We’re delighted to partner with the Advertising Association on what we believe is a great initiative for the industry as a tool for best practice."


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t least two people were shot at the Black Lives Matter protest in Louisville’s Jefferson Square Park on Saturday.
Police have confirmed that one person has died from their injuries.
The shocking shooting was captured on a Facebook livestream, which has since been removed, but multiple people captured the clip.
First responders were seen putting a victim on a stretcher into an ambulance, but it is unclear how many people were shot or their conditions.
CONTENT WARNING: This video of today’s shooting at Jefferson Square Park was pulled from the FB livestream of one of Louisville’s more vocal protesters. Absolutely horrifying to see. To my friends, coworkers and anybody else down there, please be vigilant. Please be safe. pic.twitter.com/AT8PiOIKrG
— John Boyle (@JBernardBoyle) June 28, 2020
“Officers cleared the park completely and have secured the entire area so homicide detectives can conduct their investigation,” LMPD spokesman Lamont Washington told the Courier Journal on Saturday evening at 11:27 p.m. “Detectives are trying to gather as much information as possible in order to identify all who were involved in the incident.”
Louisville Mayor Greg Fischer said in a statement Saturday evening that he is “deeply saddened by the violence that erupted in Jefferson Square Park tonight, where those who have been voicing their concerns have been gathered.”
“It is a tragedy that this area of peaceful protest is now a crime scene,” Fischer said. “My thanks to the first responders who assisted at the scene. I will have more to say tomorrow, as additional information becomes available.”
People have been gathering in that park for nearly a month to protest the death of Breonna Taylor, who was killed in the city during a drug raid in March. The city was also subjected to violent riots at the end of May and beginning of June after the death of a criminal in Minneapolis Police custody.
“We are currently working an active police situation at Jefferson Square Park,” Louisville police said in a statement.
The Louisville Police have not yet released any information about the suspect.
Source: The Gateway Pundit

domain: news


A wind turbine got out of control during a storm and can't handle the speed.
A Russian rocket carrying multiple satellites into orbit malfunctioned shortly after launch and erupted into a massive explosion with an epic shockwave.
If he had got hit by that it would've been bad news!
The sticky truth about orgasms.
A plane attempts to make an emergency landing on a drag Strip in Iceland. It doesn't go well...
I'll remember that the next time my phone starts acting funny.
This dude is hauling his load until the engine explodes right off the tractor!
This guy gets a mouthful of rotten blood and guts.
Holy Crap!!! That was better then expected.


Tras tropecientos retrasos, cambios de título y regrabaciones, ya tenemos portada, tracklist y fecha de salida definitiva para el nuevo disco de Anathema: 31 de Mayo.
Angels Walk Among Us
A Simple Mistake
Get Off, Get Out
Tanto la portada como el título evocan al maravilloso 'A Natural Disaster'. Ya se sabía desde hace mucho, pero remarcar que Steven Wilson ha sido el encargado de mezclar el álbum. Ganazas de escucharlo.
Copio el resto de la info de su web.
ANATHEMA can officially announce the release of their eagerly anticipated 8th studio album ‘WE’RE HERE BECAUSE WE’RE HERE,’ to be released on May 31st via Kscope Records.
'‘We’re Here Because We’re Here’ is Anathema’s most expansive album to date and by the far best thing we’ve ever done. Not only have we improved as writers, but because we took our time, we had the opportunity to select the very best material and concentrate on it. We gave the songs the chance to breathe and come alive by themselves and it’s ended up being magical – every song is as good as the rest of them. This album features the best performances by the band ever; Vincent’s greatest vocals and John’s and my best writing" - Danny Cavanagh
Vincent goes further in explaining the origins of the album's enigmatic title:
"The title 'We're Here Because We're Here' is inspired by a song that was first heard across the Allied trenches of World War One. Sung to the tune of 'Auld Lang Syne', the song served as a defiant rallying-call keeping up the morale of those who had to endure the incessant carnage and almost unimaginable horror. The spirit behind those words, and the deep questions they raised immediately struck all of us. Therefore we have appropriated these words to reflect the spirit and bond that all six members of the group have with each other. We have shared some incredible experiences, on all levels, and the fact that we have emerged stronger, more determined, and confident in our common vision is a testament to our resilience, both as individuals and collectively"
"The bond is deeper than the music and you might say the direction of music is a product of our connection to each other; a real family in every sense of the word."
With that in mind the band can announce that John Douglas' sister Lee has joined the group on a full-time basis. She had this to say of her involvement:
"It’s great to be more involved musically, and I feel that my vocals are adding a new presence and depth to the dynamic of the group. I’m in it for the long haul, so bring it on!"
The self-produced album was mixed by Steven Wilson (Porcupine Tree) and features the exquisite string arrangements of Dave Stewart (Stewart/Gaskin, Porcupine Tree) and mastering skills of legendary Jon Astley (The Who, Led Zeppelin). The song 'Angels Walk Among Us' features subtle backing vocals by Ville Valo of H.I.M.
Pre-order details will soon be available on this site.
APRIL / MAY:
Anathema will be playing a short series of special concerts to coincide with the album release. Alongside shows in established Anathema territories such as The Netherlands, Turkey and Russia, this spring tour will also see the band play their first ever show in Bulgaria, an opportunity they are looking forward to very much.
VISIT THE TOUR PAGE FOR TICKET LINKS
22nd April: Deventer, The Netherlands – Burgerweeshuis
23rd April: Dordrecht, The Netherlands – Bibelot
24th April: Drachten, The Netherlands – Iduna
6th May: Sofia, Bulgaria - Hristo Botev Hall
7th May: Istanbul, Turkey – Macka Kucukciftlik Park
8th May: Ankara, Turkey – Odtu Visnelik
9th May: Izmir, Turkey – Soyet Kultur ve Sanat Fabrikasi
14th May: St Petersburg, Russia – Orlandina Club
15th May: Moscow, Russia – Tochka Club
21st May: London, UK – Islington Academy ‘An Evening With’
You can also see Anathema at the following festivals this summer:
25th June: Graspop, Belgium
14th July: Pistoia Blues Festival, Italy
19th – 22nd August: Summer Breeze, Germany
Anathema will tour extensively in the Autumn. Sign up to the newsletter for advance details of new shows and forthcoming Anathema plans.


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For Pennsylvania Turnpike drivers, resistance to E-ZPass may not be futile just yet, but it's getting more and more expensive.
Toll increases that will take effect at 12:01 a.m. Sunday will be 12 percent for cash payers and 2 percent for users of E-ZPass, the electronic collection system. It is the fourth straight year in which cash customers are taking a bigger hit, with the overall result being that cash tolls will be nearly 40 percent higher than E-ZPass rates.
Put another way, those who cling to cash rather than subscribing to E-ZPass will pay roughly a dime more for every 3 miles traveled.
A trip in a passenger vehicle across the entire 359 miles of the turnpike's mainline will cost a cash payer $38 westbound and $43.90 eastbound; E-ZPass users will pay $27.24 westbound and $31.38 eastbound.
A trip between Monroeville and Breezewood will cost $12.60 if cash is used; $8.97 with E-ZPass. That's an increase of $1.35 for cash customers and 18 cents for those with E-ZPass.
Heavy trucks will continue to pay more than passenger cars, based on a toll schedule that divides vehicles into nine classes according to weight. The cross-state cash toll for the heaviest trucks is more than $1,500.
Tolls also will rise on most of the other turnpike-operated highways, including Turnpike 66, the Mon-Fayette Expressway and the tolled section of Interstate 376 in Beaver County. Tolls will not change on Turnpike 576, the Findlay Connector.
E-ZPass customers pay a $3 per year service fee and get a transponder to mount on the front windshield. Tolls are automatically deducted from a prepaid account. Turnpike officials want drivers to enroll because cash payments cost five to 10 times more to process, and because E-ZPass lanes can handle four times the traffic volume of a cash lane.
As of last month, 71 percent of turnpike trips were paid with E-ZPass. With plans underway to convert to a cashless system, possibly as soon as 2018, "obviously the goal is to drive E-ZPass enrollment up into the 80s if possible," turnpike spokesman Bill Capone said.
Even those who rarely travel the turnpike, such as families who travel from Western Pennsylvania to the New Jersey shore once a year, can save money and time by enrolling, he said.
The turnpike commission has raised tolls for six consecutive years, after raising them only five times in the toll road's first 69 years of operation. Tolls for cash customers have gone up 92 percent since 2008; E-ZPass tolls have climbed by 38 percent in that period.
The reason: Act 44, passed by the General Assembly in 2007, has required the turnpike to pay $450 million per year to the Pennsylvania Department of Transportation for non-turnpike uses.
Since the law's inception, the turnpike has paid $4.1 billion to PennDOT, and is required to raise tolls sufficiently to cover the cost of borrowing that money. Some, including former state Auditor General Jack Wagner, have warned that the turnpike is in the fast lane to insolvency, but Mr. Capone said the agency's bond ratings have remained solid.
The recently passed transportation funding bill provides the turnpike with long-term relief, cutting the annual payments to PennDOT to $50 million starting in 2022. Act 44 had required the larger payments through 2057.
Because of the continuing requirement, annual toll increases are likely to continue through 2022 and possibly beyond, Mr. Capone said. Turnpike officials had said from Act 44's inception that annual increases of about 3 percent would be necessary. The increase taking effect on Sunday will generate about 3 percent in new revenue.
In addition to the commitment to PennDOT, the turnpike faces ongoing capital construction needs, as sections of the mainline are more than 70 years old, he said. The turnpike expects to spend $400 million to $450 million per year in coming years on highway improvements, including a planned full reconstruction and widening of the section between Butler Valley and Allegheny Valley.
How much more will you pay?
A toll calculator on the turnpike website allows drivers to compute tolls between any two interchanges on the system. Currently it displays both the existing cash and E-ZPass tolls plus the new rates that take effect Sunday: www.paturnpike.com/toll/tollmileage.aspx.
E-ZPass is available online at www.paturnpike.com or by calling 1-877-736-6727. Customers can buy an E-ZPass GoPak at more than 300 retailers across the state, including most AAA offices and at some Giant Eagle, GetGo and Walmart stores. E-ZPass also is available at vending machines in service plazas. A list of E-ZPass retail locations can be found at www.paturnpike.com/ezpass/sales.aspx.


2016 MercedesBenz CL45 MG – Price, Review - Mercedes Cars Review
Welcome to Raiacars.com, The next review about 2016 MercedesBenz CL45 MG – Price, Review from Mercedes cars. Let's see more specification, concept and review details for this cars below.
2016 MercedesBenz CL45 MG – Price Review, The Shooting Brake is beautiful enough to hold your gaze. Its extended roofline, which curves to become a shade-like structure towering the tailgate, provides symmetry to the overall exterior. Skeptics may comment that the design has too much similarity with the Mercedes Benz CLA. Although it is true, it cannot be denied that the Shooting Brake is full of sophistication. The rear of the vehicle has a compact design with four exhaust pipes deeply set and the diffuser running its full width. This feature is expected to improve upon the aerodynamics of the 2016 Mercedes Benz.
2016 Mercedes-Benz CLA45 AMG Interior
The inside look of the car is sporty and casual. There is a flat-bottomed steering wheel with 3 spokes. The seats that are covered with leather and micro fiber have bolsters in the right areas, which promise a comfortable journey. The styling is further improved with the use of steel in sill panels and pedals, and red highlights on the seats. The console has a screen in the center displaying information about the car and its performance.
Rear View of 2016 Mercedes-Benz CLA45 AMG
Belonging to the AMG family, the Shooting Brake will have the familiar 4-cylinder 2.0liter engine, which was first used in the A45 AMG. Based on the available data, this Merc should be able to deliver 360hp with a 332lb-ft. of torque. The displacement is 180hp per liter, which makes it possible for the vehicle to reach the speed of 62mph in a span of 4.7 seconds with 155mph as its top speed. The Speedshift DCT gets the credit for ensuring fast and consistent acceleration from 0-60 in a matter of few seconds; actual span is not yet known though. Shooting Brake is also capable of behaving fuel efficiently as its mpg is 31 on highways.
via : reviews4car.com


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GIB-backed energy efficiency fund UKEEI provides £7m to upgrade chemical manufacturer Huntsman's Wilton plant
A major chemical manufacturing plant in North East England has secured £7m backing from the UK Energy Efficiency Investments 1 (UKEEI) fund to install a host of carbon-cutting improvements. Additional...
There have been repeated warnings about the UK's vulnerability to flooding - now the PM must put climate resilience at the centre of his 'leveling-up' agenda
Agreement will see recycling firm Viridor supply consumer goods giant with recycled plastic for use in its packaging
Interest on the loan is dependent on Britvic driving progress towards its green goals to cut plastics and emissions by 2025
Dutch brewer signs power purchase agreement with Spanish utility to supply renewable electricity for its brewing operations in Spain


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Camons (13520) - Hasselager, DENMARK - APR 18, 2013
Bottle @ DØE meeting. Pours hazy orange with a small white head. Aroma of malt, yeast, light wood notes, bubblegum, herbal hops. Flavor is malt, yeast, rather bitter, bubblegum, herbal hops, lots of dill. Medium body, soft carbonation, very dry and bitter finish. 170413 zvikar (6575) - Ramat Gan, ISRAEL - APR 17, 2013
Bottle sample at a tasting at the new Beer & Beyond shop. Thanks beerandbeyond. Pours cloudy yellow with a nice head, aroma of vanilla, red wine, wood funky, flavor of mint, malt, herb, grass and funk, medium bodied bax (1312) - Hasselager, Aarhus, DENMARK - APR 17, 2013
(bottle 17/04-2013) medium beige head, slightly unclear yellow color, low bitterness, slightly hoppy aroma and taste. JPA (Japan Pale Ale). BB date dec 2013. JorisPPattyn (10121) - BELGIUM - APR 5, 2013
Medium, just off-white head over hazy ochre-orange beer. S.A. clearly there, ascertained by the blue mould cheese aroma. Bit of incense, and alien fruit. Blue cheese, mushrooms, citruspeel, very bitter, but in the finish, there’s a latent sweetness. Certain backthroat heat, very carbonated, quite slick, medium bodied. Restrained aftertaste, resiny. Quite good indeed - just as the Mikkeller single hop series S.A.... And again Barley wine seems designated for this hop, IMO. Thanks to Stefaan! kerenmk (5358) - Tel Aviv, ISRAEL - APR 4, 2013
Bottle sample at a tasting at the new Beer & Beyond shop. Thanks beerandbeyond. Pours cloudy amber with white head. Soft, ripe mango aroma, fresh hoppy bitter taste. Medium-to-full body, slightly fizzy and very nice.
BierFiend (253) - Pennsylvania, USA - MAR 31, 2013
Pours golden with a thick white head. Smells of hops and spices. Thick hops flavor with an alcoholy finish. Light carbonation on the tongue. Wim (4240) - Weelde, BELGIUM - MAR 31, 2013
hazy golden blonde colored body with a white head and a spicy yeast hoppy fruity aroma with a spicy hoppy fruity bitter taste and a alcholic bitter finish gEUS (1637) - Linden, BELGIUM - MAR 20, 2013
750 ml bottle - pours clear yellow with steady yet thin head. Aroma is green harsh, pine, banana. Thin body, lack of balance, a bit too bitter. McWorta (1633) - LUXEMBOURG - MAR 15, 2013
UPDATED: APR 20, 2014 Dark golden colour a bit hazy, silky white head fading a bit but then lasting. On the nose develop interesting aromas of exotic fruit, some mango and spring floral aromas. Light fizzy and develops a lovely light oily lacing on the palate. Medium body, fruity sweet but well in balance, some hints of bitterness but quickly overwhelmed by chewyness. Soft on the lips and the finish is overall rather short but has a linger on the palate silently with some dryness.
Astonished of this - I like it! DSG (15432) - Tel Aviv, ISRAEL - MAR 13, 2013
Bottle sample at a tasting at the new Beer & Beyond shop. Thanks beerandbeyond. Hazy golden with a white head. Hoppy aroma of Sorachi Ace with lemongrass, floral spiciness and some sweetish fruitiness. Flavor of Sorachi Ace with fruitiness, woody and floral spiciness and moderate bitterness. Medium-bodied. Pretty quaffable.

domain: hobby


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Update: Here are some recent Ghirardelli Chocolate Covered Pretzels that I made using large Sourdough…
Here are some of my favorite Homemade Chocolate Gift Ideas. You could make these for neighbors, co-workers, teachers, friends, and relatives. To find the full directions, just click on the pictures below. Enjoy!
(*This post may contain affiliate links. By purchasing anything from these links, I may receive a small commission at no extra cost to you. More information is available on my Disclosure page.)
I think my most popular and favorite of all are these Ghirardelli Chocolate Covered Pretzels.
Next up are these Ghirardelli Chocolate Covered Strawberries– Ghirardelli* makes a great tasting melting wafer in dark or white chocolate (you could mix them if you prefer milk chocolate).
Fudge– it can be chocolate or peanut butter, with several variations using this recipe. Put it in paper muffin cups- either regular size or miniature– for easy gift giving!
If you have a music teacher or music lover that needs a gift– these chocolates are easier to make than you think!
And especially for the trumpet lover… this mold includes a saxophone, violin, and a keyboard.
I hope that you have enjoyed these five ideas of homemade chocolate treats!


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- Admissions & Aid
- Student Life
Bethlehem, Pa., April 19, 2010—A delegation from Moravian College will travel to Harrisburg, Pa. on Tuesday, April 20 to participate in AICUP’s Student Lobby Day. Students Carl Feldman ’13 and Corey Koenig ’11 will join with Katie Dantsin, director of Leadership Development at Moravian to visit state senators Lisa Boscola (18th District) and Pat Browne (16th District), and state representative Joseph Brennan ’86.
The Association of Independent Colleges and Universities of PA (AICUP) has organized its annual Student Lobby Day in Harrisburg, Pa. where students will have an opportunity to voice their concerns in the halls of our State Capitol. AICUP organizes the day to provide an opportunity for students and faculty to go to Capitol Hill to lobby for issues that have an impact on thousands of students in private higher education.
The day begins in the Commonwealth Keystone Building followed by meetings with legislative officials and staff members. Specific topics of interest for this Student Lobby Day involve last year’s cut to Pennsylvania institutions of private higher education of 28% ($12 million) from their Institutional Assistance Grants (IAGs). Institutional Assistance Grants is money given by the government to independent colleges and universities who enroll Pell eligible students.
"Pennsylvania private colleges and universities enroll the same number of low-income students as public institutions, yet the only assistance received from the government are IAG's,” noted Corey Koenig, president of United Student Government (USG) at Moravian. “One aim of the day is to reinstate the level of funding prior to last year’s cut and to urge legislators to support additional funding for PHEAA grants."

domain: sociology


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Making the most of surprises is a great reason to work with us.
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Purchasing homeowners insurance is critical for protecting your home.
Estimate how much you have the potential to earn during your working years.
It can be difficult for clients to imagine how much they’ll spend in retirement. This short, insightful article is useful.

domain: economics


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Read almost any article on how to be successful as an visual artist and it will include the suggestion that every artist needs an “Artist Statement.” Frankly that not something I’ve attempted to do before, always choosing to ignore that advice or, perhaps more honestly, to procrastinate and put off that project. This morning I decided to take the plunge and make the attempt. I have no idea if it will help my career as an artist, or if anyone really will care what it says, but I gave it a try anyway. While you can find it on my “About” page, I thought I’d share it here as well. Whether you like or dislike it, think it’s accurate or inaccurate, I’d love to hear your thoughts.
It has been said that a photograph always tells the truth. In reality the truth that any photograph speaks is that which the photographer chooses to tell. A photograph is neither truth nor fiction. It is simply a glimpse at a slice of time, as seen through the eyes of the artist. My photographs are simply a representation of my view of the world around me. My truth. My vision.
I’m particularly drawn to observing and photographing the wild horses which live along the coast of North Carolina. I find these animals beautiful, their behavior fascinating. I hope my photography provides some insight into their lives and their personalities. However my photography is not limited to these horses only. For my entire life I’ve been a lover of the outdoors… an explorer of natural places. In nature I find beauty which I wish to share with others. I find myself drawn to textures, shapes and patterns found in wild places. As a lover of animals I seek capture them photographically, to get to know them more intimately. As an explorer, a traveler along life’s path, I use my photographs to share my journey, vision and discoveries along the way.


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I was trying to capture this scene in a certain way. I won’t say how as I’m going to head back out to this spot and take the photo again; hopefully closer to how I want to capture the scene.
So this shot shows a bunch of shades framing light on their surfaces. Beyond them lies The Sydney Harbour Bridge. Due to perspective it almost appears as though it’s twisting a little bit.
Other than three boats the scene appears as though it is quiet. I’m pretty sure it was at the time of taking the photo.
This is my submission into the ninety-ninth Lens-Artists Photo Challenge.
The theme for this one is “Old and New“.
The shades have been at this spot for a long time, but compared to The Sydney Harbour Bridge, they are quite new.
Now that I think about it, their design style seems different to the bridge which leads to a stronger indication of coming from a different era.
The challenge is hosted by four people and cycles weekly:
Week 1 – Patti
Week 2 – Ann-Christine aka Leya
Week 3 – Amy
Week 4 – Tina
This one is hosted by Amy. Next week it will be hosted by Tina.
I recommend giving the challenges a go and seeing how you interpret each theme. I also recommend checking out what other people are doing to meet the challenges.
I hope you enjoy.


After a tornado struck the community of Shawnee Oklahoma, a Bible found in the debris ministered to many people besides the original owners. A stormchaser, Brandon Heiden actually witnessed the twister strike the home of Lance Carter. Heiden shot video of the storm and then stopped to be sure everyone was alright afterwards. While on Carter’s property, Heiden saw a Bible in the wreckage, and took of picture of it. The Bible was open to Isaiah chapter 32 which reads, “A man will be as a hiding place from the wind, and a cover from the tempest.” Later, Gage Ross came to help his friends clean up their property. He saw the Bible still open to the same page, and discovered it did not belong to Carter. Though some of the debris on Carter’s property came from miles away, it turned out the Bible belonged to the people who lived in a trailer home behind Carter’s property. The trailer was totally destroyed, but Michael Alexander and his fiancé had taken shelter miles away. The Bible had only traveled a few hundred feet, and was quickly returned to its traumatized owners. Though Alexander and Carter lost their homes and belongings in the storm, Gage Ross said, when he saw the words in the open Bible, it comforted him. He said, “The Lord must be with us, I guess.”—Jim L. Wilson and Jim Sandell
Lost Bible discovered in tornado debris, returned, by Ali Meyer, http://kfor.com/2013/05/20/lost-bible-discovered-in-tornado-debris-returned, Accessed May 20, 2013.
Isaiah 32:2-3 (CEV) They will be a place of safety from stormy winds, a stream in the desert, and a rock that gives shade from the heat of the sun. (3) Then everyone who has eyes will open them and see, and those who have ears will pay attention.


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We encourage patients to take advantage of the numerous educational and support resources available, including helpful video presentations, links to useful websites, classes, and educational materials.
Classes and Events
One of our many missions at Roper St. Francis Healthcare is to provide information and education designed to promote health and wellness to our patients and throughout our community. We accomplish this through classes, programs, and special events such as health fairs. For upcoming classes visit our system calendar of events.
Minimally Invasive Surgery Brochure
Roper St. Francis' comprehensive library and guide covering common health topics ranging from general wellness to medical information. Get the latest information on diseases and conditions, medical procedures, healthy lifestyles, medications and daily health news. Learn more.
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Our multimedia library offers an extensive collection of videos and animations on on general health issues and topics. Click one of the option below to view all health-related videos, animations and podcasts.
Easy to use tools that give you a quick snapshot of your likelihood to develop common conditions. Get insight into your health with informative quizzes, risk assessments and calculators. They're fun, quick, and give you important information for managing your health.

domain: library


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"Delicious! My son loved this! A lot of flavor for just the few ingredients used." – MAD
"This is my husband's favorite dish, and he considers it a special occasion every time I make it." – CathyM
Recipe of the Day
Buttermilk Parmesan Potatoes
Cubed potatoes are tossed in a creamy, Parmesan cheese-flavored sauce, then baked until tender in a tasty variation on scalloped potatoes.
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See how to make cheesy, cheesy oh-so-cheesy scalloped potatoes.
Scalloped Potatoes with Peas and Ham
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Simple Scalloped Potatoes with Ham
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See how to make creamy, incredibly tender scalloped potatoes.
Potatoes, Cheddar cheese, and ham simmer slowly in a creamy sauce.


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Dr. Surapaneni Krishna MohanAssociate Professor
Saveetha University, India
Ph.D. in Medical from Saveetha University, India
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Dr. Surapaneni Krishna Mohan is currently working as Associate Professor at Saveetha Medical College & Hospital, Saveetha University, Chennai, India. He obtained his PhD in Medical from same University. He has published 76 articles in journals. Dr. Surapaneni Krishna received number of honors includes Awarded the Chartered Scientist (CSci) qualification, which represents a single chartered mark for all scientists, recognizing high levels of professionalism and competence in science, by The Science Council, UK and The Royal Society of Chemistry (RSC), UK, Recipient of Young Investigator Award at Hong Kong, Recipient of Best Faculty-Science & Technology in Science & Technology Awards, Selected as Young Scientist and one among the 120 Young Scientists and many others. His main area of interest related to Medical Biochemistry, Clinical Biochemistry, Non Alcoholic Steato Hepatitis (NASH), Free Radicals, and Oxidative Stress & Antioxidants in Health & Disease, Medical Education / Health Professions Education, Public Health Informatics, Operations Research in Population Health, and Public Health Nutrition.

domain: health


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Now it seems that a pair of swans have built their nest right beside this outlook and the mother is tending to her eggs there.
This is a really amazing sight and a unique opportunity to see this up close!
Please don't disturb them if you do go to check it out.
Also here we share a few other park photos...including one of a turtle family sunning themselves.
Spring at Sam Smith is pretty great!
(Click on images to enlarge)
Alternately you can take the subway to Kipling station and the 44 Kipling South or the new 180 Kipling Express bus to the park. Simply stay on the bus to the very end of its route. You will get off the bus right at the northern end of the park.
If you are driving you exit at the Kipling exit of the Gardiner Expressway and go south.
For more information on the park see the City of Toronto website.
You can also learn more about the history of and efforts to preserve the park at the Friends of Sam Smith Park blog.
All photos by Michael Laxer
See also: The New Outlook @ Sam Smith Park -- The Lakeside Parks of South Etobicoke I
See also: Marie Curtis Park & Beach -- The Lakeside Parks of South Etobicoke IV

domain: geography


How Safe Is The Embraer 175? The Embraer 175 is a safe aircraft. It has an excellent safety record and has been involved in very few accidents.
How many planes crashed in 2020? So far, in 2020, there have been six plane crashes.
How many Airbuses have crashed? Since Airbuses have been in use, there have been a total of thirteen crashes.
Which airplane has the most crashes? The Boeing 737 has had the most crashes of any airplane model. There have been more than 1,000 crashes involving the 737 since it was first introduced in 1967.
Frequently Asked Questions
Are Embraer Aircraft Safe?
Yes, Embraer aircraft are considered safe. The company has a good reputation for producing quality aircraft. In addition, their planes are often scrutinized by aviation authorities prior to being certified for flight.
Is Embraer Aircraft Safe?
Embraer aircraft are safe. They have a good safety record and are highly regarded by the aviation community.
Is Embraer A Safe Plane?
There is no definitive answer to this question as different people may have different opinions on the matter. However, as a general rule, most commercial planes are considered safe to fly. This is because they are extensively tested and must meet rigorous safety standards before being certified for passenger travel.
What Was The Most Tragic Plane Crash?
The most tragic plane crash in history was the crash of Pan Am Flight 103 on December 21, 1988. The flight departed from London and was headed to New York City when it was destroyed by a bomb. All 259 passengers and crew were killed.
What Is The Most Unsafe Plane?
The most unsafe plane is the one that is not maintained properly and is not flown by a qualified pilot.
Are Embraer Planes Comfortable?
Some Embraer planes are more comfortable than others. For example, the Embraer 190 is known for its comfortable seats and spacious cabin. However, not all Embraer planes are created equal, so it’s important to do your research before you book.
Is An Embraer 175 Comfortable?
The Embraer 175 is a comfortable airplane with plenty of legroom and a good amount of storage space. The cabin is also pressurized and climate-controlled, which makes for a pleasant flight experience.
Are Embraer Erj 175 Safe?
The Embraer ERJ 175 is a safe airplane. It has a good safety record and has been involved in few accidents.
Is The E175 Comfortable?
The Embraer E175 is a comfortable aircraft to fly in, with plenty of legroom and a relatively quiet cabin. The seats are also reasonably wide, making it a good option for those who want to travel in comfort.
What Kind Of Plane Is A Embraer 175?
The Embraer 175 is a medium-sized commercial jet airliner. It is capable of carrying up to 132 passengers in a single-class configuration. The plane is powered by two General Electric CF34-8E turbofan engines.
What Is The Safest Plane In The World?
There is no definitive answer to this question as different planes are designed for different purposes and there are a variety of factors that can make one plane safer than another. However, some planes may be considered safer than others due to their design and features. For example, the Boeing 787 Dreamliner has been praised for its high level of safety, while the Airbus A380 has been criticised for its lack of engine safety.
Is Embraer 175 A Safe Plane?
Yes, Embraer 175 is considered a safe plane. It has an excellent safety record and has been involved in few accidents.
How Many Embraer Planes Have Crashed?
As of 2019, there have been six crashes involving Embraer aircraft. The most recent crash occurred in January 2019, when an Embraer 190 crashed shortly after takeoff from Santos Dumont Airport in Rio de Janeiro. All six crashes have resulted in fatalities.
Has Erj 145 Ever Crashed?
There is no information that could be found about an ERJ 145 crashing.
Which Plane Has Most Crashes?
There is no definitive answer to this question as it depends on the definition of ‘crash’. For example, if a plane has a minor incident or accident, but is able to land safely, would that be considered a ‘crash’? Alternatively, if a plane goes down and everyone on board dies, would that be considered a ‘crash’? With that in mind, it’s difficult to say which plane has had the most crashes.
Is Embraer Erj Safe?
Yes, the Embraer ERJ is safe. It has a good safety record and is highly reliable.
What Plane Crashes The Most Tragic?
The most tragic plane crashes are the ones that result in a high number of fatalities. The Air France Flight 447 crash in 2009 is one example.
Why Are Embraer Planes So Safe?
Embraer planes are considered some of the safest in the world. This is thanks, in part, to the company’s strict manufacturing and safety standards. Embraer also has one of the best safety records in the industry, with a fatality rate that is significantly lower than other major plane manufacturers.
Has Erj-145 Ever Crashed?
The Bombardier ERJ-145 has never crashed.
Are Embraer Planes Safe?
There is no one definitive answer to this question. However, as a general rule, Embraer planes are considered to be safe. This is because the company has a strong safety record and takes safety seriously. Additionally, the planes are rigorously tested before they are released to the public. That said, it is always important to do your own research before boarding an Embraer plane, just in case.
What Kind Of Plane Is An Embraer 175?
An Embraer 175 is a small to medium size commercial jet airliner. It has a capacity of between 70 and 100 passengers, and can fly up to 3,000 miles.
What Is The Deadliest Air Crash In History?
The deadliest air crash in history occurred on March 27, 1977, when a Boeing 747 crashed in Tenerife, Canary Islands, killing 583 people.
The Embraer 175 is a safe aircraft. It has a good safety record and has been involved in few accidents.


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Guitar & Fretted Instrument Lessons
Why do so many people want to play the guitar?
Simple. It’s easy to get started making music—alone and with friends. And it can bring a lifetime of enjoyment.
Our qualified instructors teach acoustic, electric, and classical guitar, bass, and other fretted instruments, including banjo and mandolin. We offer lessons for children, youth, and adults, from beginners to advanced players.
We carefully select our teachers
We maintain a network of teachers who are proficient in various genres and styles of guitar and other fretted instruments. All of our studio teachers are subject to a thorough interview process including all state mandated background checks.
Our instructors are here to help you or your child develop the skills needed to really enjoy playing a musical instrument.Schedule Lessons Now
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Simulation software that can create accurate "digital twins" of entire cities is enabling planners, designers and engineers to improve their designs and measure the effect changes will have on the lives of citizens.
Cities are hugely complex and dynamic creations. They live and breathe.
Think about all the parts: millions of people, schools, offices, shops, parks, utilities, hospitals, homes and transport systems.
Changing one aspect affects many others. Which is why planning is such a hard job.
So imagine having a tool at your disposal that could answer questions such as "What will...
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Improve your playing with the latest guitar techniques! An up-to-date teaching system to evolve solid musical and technical foundations. Learn the fastest ways to achieve speed and control, secrets to make your practice time really count and how to structure a solo like a pro. Tired of playing the same old pentatonic patterns?
|City||Phoenix , AZ|
|Address||4818 East Presidio Road|
|Phone Number||(602) 494-2505|