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Pet insurance massachusetts covers the cost of veterinary care for your pet and helps protect you from unexpected expenses. Pet insurance can provide coverage for accidents, illnesses, and routine care, allowing you to provide the best medical care for your furry friend.
By having pet insurance, you can be confident that your pet will receive the necessary medical attention when needed without the burden of hefty bills. This not only gives you peace of mind but also ensures the health and well-being of your pet.
With pet insurance in massachusetts, you can be prepared for any veterinary expenses that may arise, giving you the ability to provide the best care for your beloved pet.
Table of Contents
Why Pet Insurance Is Essential For Massachusetts Pet Owners
Rising healthcare costs for pets in massachusetts:
- Veterinary care in massachusetts has become increasingly expensive in recent years.
- The cost of routine exams, vaccinations, surgeries, and medications can add up quickly.
- Pet owners may face high bills when their furry friends require emergency treatment or specialized care.
Importance of financial protection for unexpected veterinary expenses:
- Unforeseen accidents and illnesses can happen to any pet at any time.
- Failing to plan for unexpected veterinary expenses can result in financial distress for pet owners.
- Pet insurance provides a safety net, ensuring that pet owners can afford the best care for their furry friends.
Benefits of having comprehensive pet insurance coverage:
Comprehensive pet insurance coverage offers several advantages for massachusetts pet owners:
- Financial peace of mind: Pet insurance helps manage the financial burden of unexpected medical expenses, allowing pet owners to focus on their pet’s well-being rather than worrying about the cost.
- Access to the best veterinary care: With pet insurance, massachusetts pet owners can afford top-notch veterinary care, ensuring their pets receive the treatment they need to stay healthy.
- Coverage for a wide range of treatments: Comprehensive pet insurance typically covers various services, including diagnostics, surgeries, medications, and emergency care.
- Tailored coverage options: Pet owners can choose a policy that suits their needs and budget, with options for different levels of coverage, deductible amounts, and reimbursement rates.
- Nationwide support: Pet insurance providers often offer 24/7 helplines, connecting pet owners to veterinary experts who can provide guidance and answer questions in emergencies.
Having pet insurance in massachusetts is crucial to protect your furry friend and your wallet. With rising healthcare costs for pets and the unpredictability of accidents and illnesses, pet insurance provides the financial security necessary to access the best care.
Ensure you have comprehensive coverage to give your pet the protection they deserve.
Understanding Pet Insurance Options In Massachusetts
Pet insurance can be a valuable investment for pet owners in massachusetts. By providing financial coverage for veterinary expenses, pet insurance helps ensure that your furry friend receives the care they need without breaking the bank. Understanding the different options available can help you choose the right coverage for your pet.
Here are some key points to consider:
Coverage Options For Different Types Of Pets
When searching for pet insurance in massachusetts, it’s important to consider the coverage options that cater to the specific needs of your pet. Here are some options to keep in mind:
- Dogs: Pet insurance for dogs typically covers accidents, illnesses, routine care, and sometimes behavioral issues. This coverage often includes examinations, diagnostics, medications, surgery, hospitalization, and other necessary treatments.
- Cats: Insurance plans for cats usually offer coverage for accidents, illnesses, routine care, and sometimes dental care. This includes services such as examinations, diagnostics, medications, surgery, hospitalization, and more.
- Exotic pets: Some pet insurance providers extend coverage to exotic pets like birds, rabbits, reptiles, and small mammals. However, it’s essential to check with the insurance company to ensure that your specific exotic pet is covered.
Factors To Consider When Choosing Pet Insurance In Massachusetts
Before making a decision on pet insurance, there are several factors to consider to ensure you select the right plan for your pet’s needs. Here are some key points to keep in mind:
- Cost: Determine the premiums and deductibles associated with various pet insurance plans. Consider your budget and the value of the coverage provided.
- Coverage limits: Take note of any limits on coverage, including annual or lifetime maximums. Ensure that the policy’s limits align with your expectations and potential veterinary expenses.
- Pre-existing conditions: Understand whether pre-existing conditions are covered by the insurance policy. Some plans may exclude coverage for conditions that existed prior to the start of the policy.
- Waiting periods: Be aware of any waiting periods before the coverage becomes effective. Ensure that the waiting periods are reasonable for your pet’s current health condition.
- Reputation and customer reviews: Research the insurance provider’s reputation and read customer reviews to gauge their reliability, customer service, and claims process.
Exploring The Different Levels Of Coverage Available
Pet insurance plans often come with different levels of coverage. Understanding these levels can help you choose the one that best fits your pet’s needs. Here are the common levels of coverage:
- Accident-only coverage: This level covers only unexpected accidents, such as broken bones or injuries from being hit by a car.
- Accident and illness coverage: In addition to accidents, this level covers illnesses such as infections, allergies, and cancer.
- Comprehensive coverage: This level provides coverage for accidents, illnesses, and routine care, including preventive vaccines, dental cleanings, and wellness examinations.
Remember to review the specific coverage details and terms of each plan to determine which level of coverage best suits your pet’s requirements and your budget.
Choosing the right pet insurance in massachusetts is crucial for the well-being of your furry companion. By understanding the coverage options, considering the relevant factors, and exploring the different levels of coverage available, you can make an informed decision that ensures your pet receives the necessary care without adding financial stress.
Obtaining Pet Insurance In Massachusetts
Researching Pet Insurance Providers In Massachusetts
When it comes to pet insurance in massachusetts, it’s crucial to find a reliable provider. Here are some key points to keep in mind when researching pet insurance providers in the state:
- Start by conducting thorough research on different pet insurance companies operating in massachusetts.
- Look for insurers that specialize in pet insurance and have a good reputation in the industry.
- Consider reading customer reviews and testimonials to get an idea of the experiences of other pet owners.
- Check if the providers have a wide network of veterinarians and hospitals in massachusetts to ensure convenient access to healthcare services for your furry friend.
Comparing Policies And Coverage Options
Comparing policies and coverage options is essential to find the best pet insurance plan for your beloved companion. Here are a few points to consider:
- Review the various types of coverage available, such as accident-only, illness, and comprehensive plans.
- Take note of the specific coverage offered for common ailments, surgeries, medications, and preventive care.
- Compare the limits and deductibles associated with each policy to find one that fits your budget and needs.
- Pay attention to any additional benefits, such as coverage for alternative therapies or behavioral treatment.
Understanding The Application Process And Requirements
When obtaining pet insurance in massachusetts, it’s crucial to understand the application process and requirements. Here’s what you need to know:
- Start by gathering all the necessary information about your pet, including age, breed, medical history, and any pre-existing conditions.
- Ensure you understand the eligibility criteria set by the insurance provider, such as age limits or waiting periods for specific conditions.
- Fill out the application form accurately and provide any required supporting documentation.
- Be prepared for the possibility of a medical examination or records review before the policy is approved.
Remember, researching, comparing policies, and understanding the application process are vital steps to obtain the right pet insurance coverage for your furry friend in massachusetts.
What Does Pet Insurance Cover In Massachusetts?
Veterinary Expenses Covered Under Pet Insurance Policies
Pet insurance policies in massachusetts generally cover a wide range of veterinary expenses, ensuring that your furry friends receive the necessary care without breaking the bank. Here are the key points to understand about the coverage:
- Accident and illness coverage: Pet insurers typically cover veterinary expenses resulting from accidents and illness. This includes treatment for injuries, infections, and diseases.
- Diagnostic tests: From blood work and x-rays to ultrasounds and mris, pet insurance can help cover the cost of various diagnostic tests that your pet may require for accurate diagnosis.
- Surgeries: Whether it’s a routine spay or neuter procedure or a more complex surgery, pet insurance can help alleviate the financial burden by covering a significant portion of surgery costs.
- Medications and prescriptions: Pet insurance plans often include coverage for prescribed medications, ensuring that your pet gets the necessary pharmaceutical treatments without worrying about the cost.
- Specialist care: If your pet requires specialized care from veterinary specialists, such as cardiologists, dermatologists, or orthopedic surgeons, pet insurance can help cover their fees.
- Emergency care: In the event of an emergency, pet insurance can be a lifesaver. It typically covers emergency room visits, as well as overnight hospital stays.
- Chronic conditions: Pet insurance may also cover treatment for chronic conditions, such as diabetes or arthritis, ensuring ongoing care for your pet’s long-term health.
Common Exclusions And Limitations To Be Aware Of
While pet insurance provides valuable coverage, it’s important to be aware of common exclusions and limitations. Here are the key points to keep in mind:
- Pre-existing conditions: Most pet insurance policies do not cover pre-existing conditions, i.e., medical conditions that were present before obtaining the insurance policy.
- Waiting periods: Pet insurance usually has waiting periods before coverage begins. During this time, any illnesses or injuries your pet sustains will not be covered.
- Routine care: Typically, pet insurance focuses on unexpected accidents and illnesses. It may not cover routine preventive care, such as vaccinations, flea and tick treatment, or dental cleanings.
- Certain breeds or conditions: Some insurance providers may have breed-specific exclusions or limitations. Additionally, they may exclude certain hereditary or genetic conditions more common in specific breeds.
- Age restrictions: Pet insurance companies often have age restrictions, meaning that coverage may be limited for older pets or may not be available for pets beyond a certain age.
Additional Benefits And Services Offered By Some Insurance Providers
In addition to the basic coverage, some pet insurance providers offer additional benefits and services to enhance your pet insurance experience. Here are a few worth considering:
- Wellness coverage: While not included in standard plans, some insurance providers offer optional wellness coverage that can help offset the costs of routine care, such as vaccinations, dental cleanings, and wellness exams.
- Alternative therapies: Certain insurance companies may cover alternative therapies like acupuncture or chiropractic treatments, providing a holistic approach to your pet’s healthcare.
- Behavioral therapies: Recognizing the importance of mental well-being, some pet insurance providers offer coverage for behavioral therapies and consultations with certified animal behaviorists.
- Lost pet recovery services: Some insurance plans include coverage for lost pet recovery services, such as advertising and rewards to help find your pet if they go missing.
- Telehealth consultations: With the increasing popularity of telehealth services, some pet insurance companies offer access to veterinary consultations over the phone or online, allowing you to seek professional advice without leaving your home.
Remember to check with various insurance providers to understand the specific coverage, limitations, and additional benefits they offer. Taking the time to research and choose the right pet insurance policy ensures that your furry companion receives the best care possible while giving you peace of mind.
How To Make A Pet Insurance Claim In Massachusetts
Pet insurance is a valuable tool that can help protect your furry friends from unexpected veterinary costs. If you have pet insurance in massachusetts, it’s important to understand how to make a claim when you need it. Follow these steps for a smooth and efficient claims experience.
Step-By-Step Process For Filing A Pet Insurance Claim:
- Contact your insurance provider: Notify your pet insurance provider as soon as possible after your pet receives medical treatment. Most insurance companies have a specific timeframe within which you need to submit a claim, so it’s important to act promptly.
- Gather necessary information: Collect all the relevant details about your pet’s treatment, including the date and time of the visit, the veterinarian’s name, and a summary of the diagnosis and treatment provided. This information will be required when filing your claim.
- Complete the claim form: Obtain a claim form from your insurance provider and fill it out accurately and completely. Make sure to provide all the necessary information to avoid delays in processing your claim.
- Attach supporting documents: Attach any supporting documents or invoices related to your pet’s treatment, including itemized bills and receipts. These documents will help validate your claim and ensure a smooth and efficient claims process.
- Submit the claim: Once you have completed the claim form and gathered all the necessary documents, submit them to your insurance provider according to their preferred method. This is typically done online or via mail, but make sure to follow the specific instructions provided by your insurance company.
Required Documentation And Information:
When filing a pet insurance claim in massachusetts, it’s essential to have the following documentation and information ready:
- Date and time of the veterinary visit
- Veterinarian’s name and contact information
- Diagnosis and treatment provided
- Itemized bills and receipts for veterinary services
- Any additional supporting documents requested by your insurance provider
Tips For A Smooth And Efficient Claims Experience:
To ensure a seamless process when filing a pet insurance claim in massachusetts, consider the following tips:
- Familiarize yourself with your insurance policy: Understand the coverage and benefits provided by your pet insurance policy, including any specific requirements for filing claims.
- Act promptly: Notify your insurance provider and submit your claim as soon as possible after your pet receives medical treatment. This will help avoid any potential delays or complications.
- Keep organized records: Maintain organized records of your pet’s medical history, including invoices, bills, and receipts. This will make it easier to retrieve the necessary documentation when it’s time to file a claim.
- Double-check the claim form: Review the claim form thoroughly before submitting it to ensure all the information is accurate and complete. Any errors or missing information can lead to delays in processing your claim.
- Follow up on your claim: After submitting your claim, stay in touch with your insurance provider to track its progress. If there are any issues or delays, proactively communicate with your provider to resolve them quickly.
By following these steps and keeping these tips in mind, you can navigate the pet insurance claims process in massachusetts with ease. Protecting your furry friends’ health and well-being is made simpler when you understand how to effectively utilize your pet insurance coverage.
Frequently Asked Questions About Pet Insurance In Massachusetts
What Is The Average Cost Of Pet Insurance In Massachusetts?
Pet insurance costs can vary depending on various factors such as the age, breed, and health condition of your furry friend. In massachusetts, the average cost of pet insurance typically falls within the range of $30 to $70 per month.
However, it’s important to note that this is just a general estimate, and the actual cost can vary based on different insurance providers and the coverage options you choose.
- Average pet insurance costs in massachusetts range from $30 to $70 per month.
- The actual cost can vary based on factors like age, breed, and health condition of your pet.
- Different insurance providers offer varying coverage options that can affect the cost.
Can I Get Pet Insurance For Pre-Existing Conditions?
When it comes to pre-existing conditions, most pet insurance providers do not cover them. A pre-existing condition refers to any illness or injury that your pet had before the insurance policy was purchased. These conditions are typically excluded from coverage as they are considered to be a pre-existing risk.
- Pet insurance generally does not cover pre-existing conditions.
- Pre-existing conditions are illnesses or injuries that occurred prior to purchasing the insurance policy.
- Pre-existing conditions are typically excluded from coverage.
Are Routine Check-Ups Covered Under Pet Insurance?
Routine check-ups are an essential part of keeping your pet healthy, but whether they are covered under pet insurance can vary depending on the policy. While some pet insurance plans may include coverage for routine check-ups as part of their comprehensive coverage, others may offer it as an optional add-on or may not cover it at all.
- Coverage for routine check-ups can vary depending on the pet insurance policy.
- Some plans may include routine check-ups as part of their comprehensive coverage.
- Other plans may offer it as an optional add-on or may not cover it at all.
Remember, having pet insurance can provide peace of mind and financial protection in case your furry friend needs unexpected medical care. When considering pet insurance in massachusetts, be sure to compare different providers, understand the coverage options, and consider your pet’s specific needs.
By making an informed decision, you can ensure the well-being of your beloved companion while also managing your budget effectively.
The Future Of Pet Insurance In Massachusetts
Trends And Developments In The Pet Insurance Industry
The pet insurance industry has been experiencing significant growth in recent years, with more pet owners recognizing the importance of having insurance coverage for their furry friends. In massachusetts, this trend is no different, as pet insurance continues to gain popularity among residents.
Here are some trends and developments to keep an eye on in the pet insurance industry:
- Increasing demand: As pet owners become more aware of the potential healthcare costs for their pets, there is a growing demand for pet insurance coverage. This is driven by a desire to provide the best possible care for their pets and protect against unexpected medical expenses.
- Customized coverage: Pet insurance companies are now offering a variety of coverage options to meet the diverse needs of pet owners. This includes options for accidents and illnesses, as well as routine care coverage for preventive services like vaccinations, dental cleanings, and wellness exams.
- Embracing technology: Pet insurance providers are leveraging technology to make the insurance process more convenient and efficient. This includes features like online claims submission, pet health tracking apps, and telemedicine consultations with veterinarians.
- Wellness programs: Some pet insurance companies are now offering wellness programs as an added benefit to policyholders. These programs provide discounts on routine veterinary care and preventative treatments, encouraging pet owners to proactively manage their pet’s health.
- Alternative therapies: In addition to traditional veterinary care, pet insurance providers are increasingly covering alternative therapies like acupuncture, chiropractic care, and hydrotherapy. This reflects a growing interest in holistic approaches to pet healthcare.
How Pet Insurance Is Evolving To Meet The Changing Needs Of Pet Owners
Pet owners’ needs have evolved, and pet insurance companies are continually adapting to meet these changing requirements. Here’s how pet insurance is evolving in massachusetts:
- Expanded coverage: Pet insurance plans now cover a broader range of medical services, including specialty care like cancer treatments, surgeries, and rehabilitation therapies. This ensures that pet owners have comprehensive coverage for their pets’ healthcare needs.
- Personalized policies: Pet insurance companies are offering more personalized policies, allowing pet owners to choose the coverage options that best suit their pet’s age, breed, and specific healthcare requirements.
- Wellness and preventive care: Recognizing the importance of proactive healthcare, pet insurance policies now often include coverage for routine wellness visits, vaccinations, dental cleanings, and other preventive care services. This helps promote overall pet health and reduces the risk of more significant health issues.
- Enhanced customer experience: Pet insurance providers are improving the customer experience by offering user-friendly online portals and mobile apps for policy management and claims submission. This streamlines the insurance process and provides pet owners with quick access to information and assistance.
- Increased transparency: Pet insurance companies are working towards transparent communication with their policyholders. This includes clearly outlining coverage details, eligibility requirements, and claim submission processes to ensure pet owners fully understand their policy terms.
The Potential Impact Of Massachusetts-Specific Regulations On Pet Insurance Coverage
Massachusetts has specific regulations that influence the pet insurance coverage available to its residents. These regulations can impact the terms and conditions of policies in the state. Key considerations include:
- Mandatory coverage: Massachusetts mandates that pet insurance policies include coverage for treating bacterial infections, hereditary disorders, hip dysplasia, and congenital abnormalities in cats and dogs. This ensures that pet owners have adequate protection for these specific conditions.
- Consumer protection: Massachusetts has consumer protection laws in place to regulate the pet insurance industry. These laws aim to prevent deceptive practices and ensure transparency in policy terms, coverage, and pricing.
- Regulatory oversight: The massachusetts division of insurance oversees the pet insurance industry in the state. They ensure that pet insurance providers comply with state regulations and protect the interests of policyholders.
It is essential for pet owners in massachusetts to familiarize themselves with these regulations and carefully review the terms of pet insurance policies to ensure they meet their pets’ specific needs and comply with state requirements.
Frequently Asked Questions Of Pet Insurance Massachusetts
What Does Pet Insurance Cover In Massachusetts?
Pet insurance in massachusetts typically covers medical expenses related to accidents and illnesses, such as surgeries, medications, and diagnostic tests. It may also cover routine preventive care like vaccinations and annual check-ups. However, coverage can vary among different pet insurance providers, so it’s important to review the policy details before enrollment.
How Much Does Pet Insurance Cost In Massachusetts?
The cost of pet insurance in massachusetts depends on factors such as your pet’s age, breed, and overall health, as well as the coverage options you choose. On average, monthly premiums can range from $20 to $60. Remember, it’s crucial to compare different providers and their plans to find the one that best fits your budget and your pet’s needs.
Can I Get Pet Insurance For My Older Pet In Massachusetts?
Yes, there are pet insurance options available for older pets in massachusetts. However, keep in mind that premiums may be higher for senior pets due to their increased risk of developing age-related health issues. It’s advisable to check with different insurance providers to find out their specific age limits and coverage options for older pets.
Are Pre-Existing Conditions Covered By Pet Insurance In Massachusetts?
Most pet insurance policies in massachusetts do not cover pre-existing conditions. These are conditions that your pet already has before enrolling in insurance. It’s important to disclose any existing health issues during the enrollment process to ensure that you fully understand the coverage limitations and exclusions related to pre-existing conditions.
Does Pet Insurance In Massachusetts Include Dental Care?
Some pet insurance plans in massachusetts may offer coverage for dental care, while others may have it as an optional add-on. Routine dental cleanings and treatments for dental diseases are often covered, but cosmetic procedures like teeth whitening may not be included.
Review the policy details or contact the insurance provider for specific information regarding dental coverage.
Is There A Waiting Period For Pet Insurance Coverage In Massachusetts?
Yes, there is typically a waiting period before pet insurance coverage becomes effective in massachusetts. This waiting period usually ranges from a few days to a few weeks, depending on the insurance company. It’s important to note that any conditions or symptoms that arise during the waiting period may be considered pre-existing and may not be covered.
Review the policy details for the specific waiting period applicable to your pet insurance plan.
Having pet insurance in massachusetts is a smart decision for any pet owner. It offers peace of mind knowing that you can afford the best medical care for your furry friend if they were to become sick or injured. Whether it’s a routine visit or a more serious health issue, pet insurance can help alleviate the financial burden.
With a wide range of coverage options available, you can choose a plan that fits your budget and your pet’s needs. Additionally, many pet insurance providers offer added benefits such as behavioral training and wellness services. By investing in pet insurance, you are ensuring that your pet receives the best care possible without breaking the bank.
Don’t wait until it’s too late – protect your furry friend with pet insurance today.


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Universal Surface Engineering of Transition Metals for Superior Electrocatalytic Hydrogen Evolution in Neutral Water. The motor threshold for electrical stimulation remained unchanged during the application of saline. Lobectomy with/without isthmusectomy in low risk patients, followed by thyroxine suppression therapy, was adequate to improve the postoperative outcome and with low complication rate. A prokaryotic expression system with high efficiency of H.pylori hpaA gene was successfully established. However, the patient had other target-specific sympathetic lesions, including thermoregulatory vasomotor failure in a different limb, not associated with pain. Distension of the main pulmonary artery or its major branches with an intraluminal balloon has been reported to cause pulmonary vasoconstriction by an unknown mechanism. Genes responsible for obesity and insulin resistance are candidates for common genetic factors.
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At this juncture, no one has studied the relationship of anticonvulsant therapy, neuronal ceroid-lipofuscinosis, and the free radical-scavenging enzyme system, and their interplay. Activity of FVa variants was studied in vitro using prothrombinase assays with purified components and in FV- and FVIII-deficient plasma using clotting and thrombin generation assays. True histiocytic lymphoma of the stomach associated with low-grade B-cell mucosa-associated lymphoid tissue (MALT)-type lymphoma. Can megadoses of thiamine prevent ethanol-induced damages of rat hippocampal CA1 pyramidal neurones?. The literature was searched to assess the frequency of cerebral venous infarcts in inflammatory bowel disease and the role that factor V Leiden plays in thrombosis in such patients. Our previous phylogenetic analysis indicated that SmCL1 is more closely related to cruzipain from the parasitic protozoa Trypanosoma cruzi than to human cathepsin L, whereas the converse situation applies with SmCL2. The purpose of this prospective study was to evaluate the results of bypasses to the superior mesenteric artery arising from the infrarenal aorta or infrarenal aortic grafts.
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Alignments may be made in the original alphabets of the sequences or in user-specified alternate ones to take advantage of chemical similarities (such as hydrophobic-hydrophilic). The addition of clonidine 75 micrograms to prilocaine 75 mg for subarachnoid anaesthesia increased the duration of sensory and motor block and reduced the need for additional postoperative analgesics by providing excellent analgesia for about 8 h during recovery from transurethral resection of bladder tumours. 6--Breeding in empty conditions of rice fields in south-eastern Brazil. Community proteogenomics reveals insights into the physiology of phyllosphere bacteria. However, the number of women diagnosed with breast cancer in this group is expected to rise over the next decade, as a result of changes in lifestyle and environmental factors. The AA but not placebo group also experienced a decrease in Beck Depression scores.
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The gastric mucosa healed with little or no inflammation when sildenafil citrate, low dose heparin, ghrelin, NUCB2/Nesfatin-1, obestatin, Neuropeptide Y were administered. A novel transcription factor specifically regulates GH11 xylanase genes in Trichoderma reesei. Differences among individuals in exercise performance are determined by a range of environmental and genetic factors. ETV, lesion biopsy or partial lesion resection and aqueductal plasty are efficacious for the patients with lesions in mesencephalic aqueduct and around it. In this study, we aimed to investigate the innate immune responses of lung epithelial cells against B.
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This review represents a compilation of typical substrates and inhibitors for human cytochrome P450 (CYP) enzymes that are involved in drug metabolism, specifically those from the CYP1, CYP2 and CYP3 families. We evaluated the topographic relations between tyrosine hydroxylase (TH)- and/or aromatic L-amino acid decarboxylase (AADC)-immunoreactive neurons in the arcuate nucleus (AN), as well as between TH- and/or AADC-immunoreactive axons in the median eminence (ME) in rats at the 21st embryonic day, 9th postnatal day, and in adulthood. On physical examination, right side of the face appeared normal. We show that mutation of the RQR sequence in TMX4 to KQK interferes with ER localization of the protein. Time-specific effects of mono-n-butyl phthalate on the transabdominal descent of the testis in rat fetuses. The work described is important in view of protein S-nitrosation. Plasma total homocysteine, cysteine and glutathione were analyzed by HPLC with fluorescence detection. Ultrastructural changes of retina and optic nerve may be induced by acute IOP elevation in LASIK. STD1 (MSN3) was isolated independently as a multicopy suppressor of mutations in the TATA-binding protein and in SNF4, suggesting that STD1 might couple the SNF1 kinase signaling pathway to the transcriptional machinery.
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The effect of interleukin-2 on interferon production by human lymphocytes and the importance of this test in autoimmune diseases. Effect of some vegetable juices on the motor-evacuatory function of the gallbladder. A programme theory of intervention fidelity was constructed to underpin a process evaluation running alongside a cluster randomized trial of the rehabilitation intervention. While research has confirmed an association between metabolic syndrome (MetS) and diseases such as heart disease and diabetes, none of these studies have been conducted in a worksite population. We suggest that the presence of the BDNF Val allele in itself and in combination with the ApoE epsilon4 allele can be risk factors for AD, and the results indicate a synergistic effect of the 2 polymorphisms on DLB and PiD risk. The orthopaedist is usually the first to see the patient, and therefore, the diagnosis should be considered in all patients with upper extremity pain. A SpeAB vaccine formulation, stabilized with sucrose, in which the antigen remains adsorbed to the aluminum adjuvant retained the greatest potency as determined by evaluation of neutralizing antibody responses in mice. How the timing of these cycles changes over a complete feeding sequence is not well known.

domain: literature


THE RESOLUTION PASSED AGAINST THREAT OF COMMUNAL FASCISM BY JOINT COMPAIGN COMMITEE OF WRITERS AND CULTURAL ORGANISATIONS AT THE BEHEST OF P.W.A ,I.P.T.A , JALES AND JASAM ON 9TH APRIL 2014 AT VARANASI
The parliamentary elections in 2014 are being held in a situation where a typical combination of corporate, media and fascist forces have combined on the issue of so called development which in last more than two decades has increased the miseries of farmers, advisis, dalits, minorities, women and working class as a whole and has widened the gap between affluent and deprived classes.
The model being projected has deep rooted disrespect to centuries old composite culture, unity in diversity, harmony and anti-imperialistic secular legacy of our freedom struggle . Never before the so called free media has come out in such a big way to manufacture consent in favour of this model openly and discretely supported by some communal swamis and religious gurus.
This model has specifically chosen Varanasi as their next center after Ayodhya and Gujrat to carry forward their soft fascist hindutva agenda under the leadership of Narendra Modi. If allowed to succeed, this model of 'SANGH PARIVAR' shall not only lead to chaos, disintegration, social- disharmony but shall also result in curbing basic democratic rights and privileges earned by deprived sections of the society within the framework of our constitution. There is no space for serious literature, culture, scientific temperament, freedom of expression, issues related to international brotherhood, peace, disarmament and environment in this model.
We the writers, artists, social and cultural activists are of the firm opinion that this model of hatred, violence and of many hidden agendas is anti- people. We know that Varanasi , since ages being a seat of our cultural ethos and free intellectual discourse shall not allow the chief propagator of this model to succeed. We call upon the electorate of Varanasi and of whole country to defeat this model of divisive and communal forces and to elect a pro people alternative.
Date : 09.04.2014, Varanasi


Original Broadway cast members Derek Klena and Caroline O’Connor, who created the roles of Dmitry and Lily in the stage musical adaptation of Anastasia, will play their final performances in the production March 25 at the Broadhurst Theatre.
Replacements for the roles of Dmitry and Lily have not been announced.
O’Connor, who is an Oliver Award nominee, is slated to star in a London revival of the Kander and Ebb musical The Rink at the Southwark Playhouse in May. Klena's next project has not been announced.
The Broadway production is based on the 1997 Fox animated feature film, which Ahrens and Flaherty also scored. The songwriters earned an Academy Award nomination for “Journey to the Past” from the score.


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AP reveals problematic dams in US, but NJ picture is unclear
TRENTON, N.J. (AP) — A more than two-year investigation by The Associated Press identified scores of problematic dams nationwide, but New Jersey is excluded from the analysis because the state did not fully respond to the records requests.
The investigation identified at least 1,680 dams in the U.S. that are rated as high-hazard because of the potential for loss of life if they failed and are considered to be in poor or unsatisfactory condition.
New Jersey’s Department of Environmental Protection, which oversees the Bureau of Dam Safety, provided the AP with some data that it submitted to a national dam inventory, but did not include hazard classifications or the condition ratings for its dams. It also denied later requests for inspection reports and emergency action plans, citing security concerns.
The bureau reviews plans for new dams or the repair and removal of old ones. Existing dams must be inspected periodically, according to the bureau, and regulations require dam owners to have an engineer regularly inspect their structures.
Emergency plans obtained by the AP indicate that thousands of people across the country who live or work downstream from certain dams could be at risk if those dams were to catastrophically fail, while separate inspection reports cite a variety of problems.
Those include leaks that can indicate a dam is failing internally, unrepaired erosion, holes from burrowing animals and extensive tree growth, which can destabilize earthen dams. In some cases, inspectors also flagged spillways that are too small to handle the amount of water that could result from increasingly intense rainstorms due to a changing climate.
The AP’s investigation covers the U.S. territory of Puerto Rico but excludes five states that did not fully comply with records requests. In addition to New Jersey, they are Alabama, Illinois, Maryland and Texas.
New Jersey’s Bureau of Dam Safety lists a handful of storms that resulted in dam damage over the years, including Hurricane Floyd in 1999 and Tropical Storm Irene in 2011. That year, six dams failed after heavy rainfall and 51 were damaged. Hundreds of roads were closed, and 2,080 homes were damaged.

domain: news


The Nintendo Switch OLED is a must-have on every 12-year-old’s Holiday wishlist. So it’s a given you’ve come here with the expectations of finding out if the console is a WOW! or a MASSIVE DUD. In this Nintendo Switch OLED review we dig everything possible to help you make the right buying decision.
Nintendo OLED Switch One-Minute Review
The gaming community has called the Nintendo Switch OLED a welcome upgrade. While it may be a flawed console, it’s a much-improved version of the original device. This time around, the gizmo comes with a whole new 7-inch display, a redesigned kickstand, and enhanced speakers. So if you’re a first-time buyer, this is without a doubt the console for you! If you’re planning to upgrade then we would advise you to wait it out a little longer.
Nintendo Switch OLED Extended Review
Acquiring a newly upgraded version of gadgets can sometimes be discouraging as you are not sure if the upgrades will be in your favor or not. However, Nintendo comes up with its new OLED Switch, featuring new upgrades for gaming enthusiasts.
This blog will be talking about the new upgrades made to the OLED Switch, giving you insights on what to expect.
- Display: 7-inch OLED
- Ports: USB-C, HDMI 3.5 mm audio, microSD, HDMI
- storage: 64GB
- Chipset: Custom Nvidia Tegra X1
- Size: 9.5×4.0×0.6-inches
- Release Date: 8th, October 2021
- Battery Life: 4.5 – 9 hours
- Max Resolution: 720p
- Weight: 14.9 ounces
Admittedly, the Nintendo Switch OLED is exactly like the console’s base model.
The first noticeable thing about the Switch OLED is its size, and it comes at a similar size as the base Switch (9.5 x 4.0 x 0.6 inches). This is a bit bigger than the handheld Nintendo Switch lite, but it also comes at a comfortable size for some teens and adults to hold for an extensive period. All existing accessories are still bound to function though the Switch OLED retains some physical design of the older version.
From a physical point of view, the Switch OLED makes two different deviations from the base model and one small but significant deviation. The most significant change, of course, is the Nintendo switch OLED screen with its 7-inch, compared to the LCD screen with 6-inch on the base Switch.
The centerpiece of the Switch OLED is the OLED screen, and where Nintendo’s praise is seen. The upgraded larger screen gives clear images with beautiful, inviting colors. As a result, the experience feels even more dwelling than before. While there is also a vast difference in the image quality of the 7-inch OLED and a 6-inch LCD, the color quality is top-notch.
Nintendo Switch OLED Price
The cute and versatile OLED model comes with a $350 price tag, it is a clear indication that Nintendo will not compromise on quality to attract more customers and may even be using it as an early promotion strategy for its upcoming products.
If there’s one section where the Switch OLED falls short, it’s in performance. That’s not because the base model is any better than the Switch OLED; in fact, it’s almost the same. But the thing is that the Switch goes back to four years, and the industry has made pretty significant hardware strides since 2017.
Similar to the base Switch, the OLED model works with a custom Nvidia Tegra X1 chipset. This is just like what you can find inside a upscale streaming device; the Nvidia Shield also uses one. Unlike the base model a 32GB of flash storage, the Switch OLED flaunts an improved 64 GB flash storage and 4 GB RAM. In addition, the handheld hybrid can display at 720p, and in handheld mode, it displays at 60 frames per second and in docked mode at 1080p.
If you play in docked mode, the Switch OLED offers nothing. However, the OLED screen, larger kickstand, and better speakers are unnecessary once plugged into the console.
Nintendo made claims that the Switch OLED can get up to 9 and 4.5 hours of non-stop gameplay on a single charge, depending on the games you play. The Switch OLED features the same battery as the base-model Switch, so the battery life may not be vastly different. The Switch OLED performance was just as Nintendo promised, offering a lasting 5 hours of battery power.
Kickstand And Speakers
The other upgrades of the Switch OLEDs are subtle but still useful. For example, the length of the device is now run on the kickstand instead of just being a simple piece of plastic. This makes it easier for the Switch to stand on various surfaces without worrying about it falling off.
Then the speakers don’t look any different but emit a considerably better sound. The speakers are pretty more prominent with a more rectangular shape on the Switch OLED. However, one noticeable change is that they emit sound much better than before, with an apparent volume, and can even function lower.


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Sarah ‘Fergie’ Ferguson has lifted the lid on her relationship with ex-husband Prince Andrew in a candid chat with People magazine, calling him a “kind, good man”.
The couple, who divorced in 1996, have remained close ever since their split. More recently, Fergie publicly defended her ex-husband over his controversial relationship with convicted sex offender Jeffrey Epstein, which saw the father-of-two stepped back from royal duties in November 2019.
When asked about Andrew, Fergie responded by saying: “Whatever challenges he has, I will stand firm to the co-parenters that we are together … I believe that he’s a kind, good man, and he’s been a fabulous father to the girls.”
In the tell-all chat, the Duchess of York also spoke of her dear friend Princess Diana. Fergie, who was close friends with Diana before her tragic death, opened up on what she thinks the late princess would think of both Catherine and Meghan.
“She would be very proud of her sons and their wives,” she said. “And she would be just like me, obsessed with her grandchildren. Because that’s what she loved.
“If she were sitting with me right now, I know she would say, ‘I am so proud of both of my boys and the wonderful wives they have chosen’. Because each has got her own voice.”
View this post on Instagram
Fergie, who turns 62 later this year, also spoke of coming into her own and being more content and confident with being herself.
“It’s like I’ve gotten out of my own way,” she told the US publication. “I’ve really become Sarah. The Duchess is there. Good old Fergie’s there too. But Sarah is authentically present.”
Prince Andrew’s ex-wife also opened up on overcoming the pressures of being perfect. “I have to be aware that trying to be perfect is no longer necessary,” she said, adding: “actually being Sarah is just enough.”
Fergie revealed her journey of self-discovery came through writing her debut novel, Her Heart for a Compass, which is set for release this August. The duchess first announced the exciting news back in January via social media.
“I’m delighted to announce my first historical romance novel, Her Heart for a Compass, which will be published in August!” the duchess wrote at the time, alongside a video of herself strolling through the grounds of Windsor’s Royal Lodge in a Victorian-era outfit – in theme with the historical setting of the book. The duchess opted for a floor-length pleated skirt, a fitted overcoat, a high-neck blouse and gloves.
Sarah went on to explain that her new novel is set in the 19th century and “is a coming-of-age story about being brave and rebellious, and daring to follow your heart against the odds”. She added that while the story itself is based on one of her ancestors, it also draws on her own life journey and experiences too.

domain: celebrity


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Showing Collections: 1 - 3 of 3
Scope and Contents J. Howard Woolmer collecton of Poetry Bookshop research materials consists largely of Woolmer's research materials and pre-publication drafts of the bibliography but includes PBS manuscripts and ephemeral printing. The collection is organized into two series: Series 1: Correspondence: Joy Grant: letters from British writers and collegues of Harold Monro in reply to Grant as she wrote Harold Monro and the Poetry Bookshop (London: Routledge and Kegan Paul, 1967) including correspondents J.R. ...
Dates: 1913 - 1988
Scope and Contents An artificial collection that consists of single and/or small groups of letters, small groups of related literary materials, individual or small groups of manuscripts such as poems and similar individual pieces which were deemed at one time to be of sufficient bulk to be placed into separate collections. These materials were acquired independently of larger collections. The period covered is primarily the first half or so of the twentieth century, but there are selected items dating well into...
Dates: 1862 - 1989; Majority of material found within 1925 - 1970
Scope and Contents The library of Sir Rupert Hart-Davis, publisher, editor, author and man of letters, contains over 18,000 volumes, many with letters and other correspondence tucked in. A man who enjoyed extraordinary position within the publishing profession, Hart-Davis was the literary executor for such authors as Edmund Blunden, Sir Max Beerbohm, Sir Hugh Walpole, and the poet, Siegfried Sassoon, all who entrusted to him what they cared about most. As an editor, Hart-Davis produced volumes of the letters of...


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Anita Ekberg Dies at 83
The Swedish-born actress was born on September 29, 1931 and her death was confirmed Sunday by her lawyer Patrizia Ubaldi. Anita had been hospitalized since Christmas and her lawyer stated that she was saddened by the Hollywood icon’s inability to fight her illness due to her advanced age.
“She had hoped to get better, something that didn’t happen,” Ubaldi said.
In the 50s and 60s, Anita was a tabloid favorite due to her glamorous good looks and wild social life. Some of the tabloids even coined her “The Iceberg” in reference to her Scandinavian heritage.
Though from Sweden, Anita never actually starred in a Swedish movie and was often at odds with journalists from her native country. This was in part due to the criticism she received from Swedish journalists for leaving the country. She was also ridiculed by her people for adopting an American accent.
Anita Ekberg’s Family
The mid-century bombshell was married twice, but never had children. She was reported to have regretted this decision later in her life. Anita was born in Malmo, Sweden and grew up with seven siblings.
Ekberg’s Life in the Spotlight
After being spotted by Miss Sweden organizers on the street, Anita was convinced to enter the competition, which she won in 1951. Shortly thereafter, she packed up and moved to the United States to enter the Miss Universe competition. Though she didn’t win, she did land a gig as a model in Tinseltown and not long after she would begin landing small acting roles.
The actress’ famous role as a movie star in Federico Fellini’s La Dolce Vita is the one that put her in the spotlight. The film debuted in the early 1960s and was a massive success; catapulting Anita’s career.
In 2005, Anita spoke about the filming of the movie on a Swedish radio show. She recalled the scene where she climbs into the Trevi Fountain in Rome and that it was ice cold due to it being February at the time. She also recalled that her co-star Marcello Mastroianni was drunk from drinking too much vodka and falling over in the famous fountain during the shoot.
“And there I was. I was freezing,” Anita said in reference to filming the movie. “They had to lift me out of the water because I couldn’t feel my legs anymore.”
“I have seen that scene a few times. Maybe too many times. I can’t stand watching it anymore, but it was beautiful at the time,” according to Anita.
Anita’s attorney told reporters that the ceremony for the actress would be held during the next few days at a church in Rome and that she requested her remains be cremated.
La Dolce Vita actress Anita Ekberg dead at 83 following ‘a series of illnesses’ – Daily Mail
‘La Dolce Vita’ Actress Anita Ekberg Dead At 83 – Huffington Post
Anita Ekberg: ‘La Dolce Vita’ Blonde Bombshell Dead At 83 – Inquisitr


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7%: European Business Aviation Association CEO Fabio Gamba was upbeat that this year’s European Business Aviation Convention and Exhibition, held May 20-22 in Geneva, reflected signs that the business aviation market in Europe may be stabilizing. “It’s been a tough period,” he says, but “indicators point to 2014 being a year of positive rebound.” At EBACE, attendance in Geneva last week increased, with registrations up 7% over last year’s 12,353. The ...
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Boba Fett News
Much like Darth Vader and the Imperial stormtroopers, Ralph McQuarrie played a part in designing the look of the fearsome bounty hunter.
This year when IGN decided to name the coolest Star Wars collectibles money can buy, we are proud to say four of their top ten choices came from Sideshow and Hot Toys!
Enter for a Chance to Win!
Think you’ve got what it takes to capture the legendary Boba Fett? Sideshow and ThinkGeek have teamed up to give Star Wars fans their chance to win a life-size figure of the most dangerous bounty hunter in the galaxy!
Inspired by pre-production artwork for Star Wars: The Empire Strikes Back by visionary illustrator Ralph McQuarrie, Sideshow is proud to present this unique statue interpretation of Boba Fett!
Our friends at Rebelscum.com show off every detail of Boba Fett from Hot Toys’ Star Wars Quarter Scale series.
Our first production sample of the Boba Fett Premium Format Figure has just arrived at Sideshow HQ, and we’re delighted to share new photos of this legendary Mandalorian!
The galaxies most infamous bounty hunter is a brand new collectible from Hot Toys. The Boba Fett Sixth Scale Figure will be available for your to hunt down on Pre-Order soon Star Wars fans!
From 4-Lom to Zuckuss, guest blogger Michael Hockenson, Jr. counts down his top ten best Star Wars Bounty Hunters!
On the Fifth Day of Sideshow...
On the Fifth Day of Sideshow, we are going to send…a bounty hunting Mandalorian! The perfect companion to our Boba Fett Premium Format™ Figure, get your first look at concept art for our upcoming Jango Fett Premium Format™ Figure.
Take Our Quiz!
Take our Star Wars personality quiz now to find out which bounty hunter you are most like!

domain: artistic


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File Description: Introducing the Airbus A380-800. This aircraft has been modeled in G-MAX by Robert Verslyus. It has been designed for FS2004 and not tested for FS2002, however the designer thinks it might work in FS2002 as well. Sounds are not included . Theme Texture for Whale Jets Fictional Design by Bill. All credits for producers, no for me.
*** CREDITS ***
Brian C. Selb

domain: design


You can read Jo's latest speeches and appearances in Parliament below:
DfT is working together with the Rail Industry to enable facility for Automatic Power Change Over (APCO) on Intercity Express Trains on t
Performance of the class 700 trains has steadily improved since they were first introduced in 2016, similarly to other new train fleets a
I can confirm that the Department has not had any such meetings with either First Group or MTR.
Network Rail’s whistleblowing policy is published online on the Network Rail website and is available at:
The Secretary of State has set up the East Coast Partnership Board which brings together LNER and Network Rail along with representation
I refer the hon Member to the written Answer I gave on 13 September to Question 170780 on the Rail Delivery Group (RDG) which sets out th
The introduction of the new IET fleet is similar to the experience with other new train fleets and we anticipate that performance will co
All franchise payments between the Department and franchisee are commercially sensitive and therefore confidential.
Public transport in Northern Ireland is devolved.
Holding answer received on 26 October 2018 All new rail vehicles are required to meet strict noise limits before they are permi


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Cities are now pointing to the intellectual capital they have built as their distinctive strength when they market themselves to try and attract conventions. Unlike the past when cities simply introduced their convention centers and other facilities, the focus now is on introducing the intellectual capital of a specific industry that the city has that can't be found in another city. Cities attempt to persuade organizers that an event absolutely has to be held in their respective city by placing an emphasis on the expertise that is specific to their city.
London - a hub for worldwide business, finance, and culture - took its competitive edge into consideration and put forth a project that makes use of their intellectual capital. The project is titled, 'The Capital of Cutting Edge'. This project divided the city of London into four sectors - technology sector, financial center, creative sector, and life sciences - and now London is holding events that correspond to the characteristics of each sector. Located in the city's technology sector, Tech City in east London has more than 40,000 digital tech businesses, which employ almost 200,000 people. Using these distinctive strengths of Tech City, London has been holding London Technology Week every year since 2014. In 2016, more than 300 tech events were held in approximately 200 of London's facilities during London Technology Week with more than 40,000 delegates in attendance.
Vancouver, Canada introduces itself as a 'knowledge-based convention destination where you can network with the whole world'. In order to emphasize its city branding message, Vancouver promotes itself as a knowledge-based city by introducing its main industries, which include life sciences, digital media and technology, natural resources, and fishery.
Vienna, Europe's representative city for international meetings which is also known for its history and traditions, recently announced its new 'Now. Forever' slogan to reinforce its originality. Vienna has also implemented the new 'Smart City Wien Framework Strategy' to actively respond to changes in the future environment. The core themes within the strategy include education and research, health and social services, city development plans, transportation and city planning, environmental and climate protection, politics and administration, and information and community technology. By combining its existing traditional values with such changes and innovation in its city marketing strategy, Vienna has taken the leap into turning into a smart city and is helping to further the development of the convention industry.
The German Convention Bureau has implemented a strategy that strengthens the country’s competitive edge for attracting conventions by using their economic expertise that comes from being the 2nd largest exporter in the world and their cutting-edge scientific technology. The bureau has divided Germany's main strategic industries into transportation and logistics, medical care and sanitation, chemical and pharmaceutical business, energy and environmental industries, technology and innovation, and financial services. Germany has increased its competitiveness in the convention industry by cultivating and attracting international meetings that correspond with each of the strategic industries and focusing them in convention cities in Germany that have specific industrial advantages.
Conventions are forums where the key stakeholders of a specific industry gather to share ideas and information and to form networks. Therefore, if a city has a high level of development and expertise in an industry that is related to a convention's category and has a group of experts that represents the given category, it is more likely to hold the event successfully. In other words, building intellectual capital that is related to a convention's category will become one of the factors that lead to a successful event.
For this reason, recent marketing strategies to attract conventions have been centered on a few cities and their intellectual capital. This is a very effective strategy for differentiating one city from another. If cities that already have a level of infrastructure that wouldn't disqualify them from holding an event are competing with each other, it is now time for these candidates to build a competitive advantage by centering on their intellectual capital

domain: economics


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By Glenda Kwek
The Reserve Bank has kept the official cash rate on hold at its last board meeting of the year.
RBA governor Glenn Stevens said in a statement that current monetary policy settings were appropriate. But he continued to stress that the Australian dollar was "still uncomfortably high".
"The board will continue to assess the outlook and adjust policy as needed to foster sustainable growth in demand and inflation outcomes consistent with the target," he said.
The local currency slipped a quarter of a cent after the statement was released, falling to 90.68 US cents just after 2.30pm.
"The guidance given in the December statement was basically unchanged from the November statement, save from a few cosmetic differences," UBS interest rate strategist Andrew Lilley said.
"Other than that, there was no chance in the RBA's stance, which still remains that it's going to be a struggle for the investment part of the economy to hand over growth from mining to non-mining."
The RBA was maintaining an easing bias due to its continued discomfort with the elevated levels of the Australian dollar, but further rate cuts were unlikely, Moody's Analytics associate economist Katrina Ell said.
"The effects of earlier stimulus have started to lift the interest-sensitive sectors and should keep boosting activity through 2014. Residential property is unlikely to be the only stand out performer in coming months," Ms Ell said.
Mr Stevens' statement contained only minor changes - such as the changing of the words "still to soon to judge" about the impact of improved consumer and business sentiment to "still unclear" - as the central bank did not want to rock the boat ahead of its summer break, JP Morgan economist Tom Kennedy said. The board's next meeting is in February.
"There's an easing bias ... and given where we are in the cycle, we think that lends itself to a lower cash rate rather than raising the cash rate. But in saying that, it's going to be very heavily data dependent in terms of the timing," he said.
Mr Kennedy said the key data the RBA would be keeping an eye on over the next few months included the Australian dollar, capital expenditure and the labour market figures, with the expected rise in the jobless rate conducive to further rate cuts.
The move, which was tipped by economists and financial markets, came as better-than-expected retail sales figures for October boosted expectations that previous rate cuts were supporting growth in non-mining industries.
Retail sales rose a seasonally adjusted 0.5 per cent in October on the back of increased spending on food, clothing and at restaurants, Bureau of Statistics data released this morning show.
Yesterday, new building approvals data for October remained resilient, slipping slightly but not as much as analysts had expected.
The central bank has reduced interest rates by 225 basis points since November 2011.
Over the past month, it has stressed the need for a lower Australian dollar to boost export-facing sectors of the economy. The currency was trading at 95 US cents at the RBA's November meeting.
Analysts said the RBA has been showing a preference for economic growth to be driven by a weaker dollar rather than further interest rate cuts.
The summer season will see fewer opportunities for the central bank to jawbone about the need for a lower exchange rate, Mr Kennedy said.
The minutes of the board meeting will be released on December 17. On the same day, the RBA's assistant governor Guy Debelle will give a speech at a finance and banking conference. There are no scheduled speeches in January.


- Hillary Clinton blames "fake news" for losing presidential election - TMZ
- Celebs react to Astronaut John Glenn passing away - Gossip Cop
- Willow Smith dropped a surprise EP called Mellifluous - Just Jared Jr
- Candace Cameron Bure is leaving The View - Radar
- Dwayne Johnson shows off his massive muscles in the Baywatch trailer - Lainey Gossip
- Is Pitch coming back for a second season? - The Hollywood Reporter
Kate Upton Returns to L.A. After Funny Orlando Magic Mascot Proposal!
About Photo #3051947: Kate Upton steps out to wait for her car at the valet with a friend on Tuesday (February 11) in Los Angeles. On Sunday (February 9), the 21-year-old supermodel… Read More Here


The Solano College women’s volleyball team beat Los Medanos 21-25, 25-17, 25-15, 25-12 on Friday in Bay Valley Conference play.
Chris Rigney Cruz had a big night at the net with seven blocks and seven kills for the Falcons (12-11, 5-0). Sammy Brown led the offense with 15 kills, added 24 digs and served 16-for-16 with two aces. Dani Rydjord followed suit with 12 kills, serving 17-for-19 with four aces.
Mylei Moli chipped in seven kills and four blocks. Kailyn Kaiser led the way on defense with 31 digs, serving 14-for-15.
Crystal Carroll added 12 digs, and Anaya Rodriguez served 16-for-18 with an ace and distributed 22 assists. Jeryn Baldonado added 14 assists serving 12-for-13 with two aces. Bryanna Lott added two blocks and two digs.
“It was a big win as LMC is always a solid team,” said Solano coach Darla Williams. “We have a tough opponent on Monday, Yuba College (4-0), and the only other team in the BVC that is undefeated with us.”


Its recommendations were aimed at creating a more socially sustainable housing market in which vulnerable households are better protected from the effects of volatility. Although its report was drafted during the first year of the Coalition Government five years ago, it provides a framework for providing responses to the questions being addressed by the House of Lords Select Committee on Economic Affairs Inquiry into the Economics of the UK Housing Market.
- The UK faces a long-term failure of housing supply to keep up with demand. This has contributed to the UK’s volatile housing market.
- Government schemes are likely to benefit the people who take advantage of them, but are likely to contribute to the maintenance of generally high prices. They are becoming part of a system that keeps house prices artificially high.
- The effects of Stamp Duty concessions are likely to benefit owners of property as they are “capitalised” into higher prices.
- Stamp Duty thresholds should be uprated automatically to avoid fiscal drag.
- There is a case for reviewing the impact of the Mortgage Market Review.
- Buy-to-let mortgages should be brought within the remit of both the Financial Policy Committee (macro-prudential regulation) and the Financial Conduct Authority (micro-prudential regulation).
- The Committee should explore the reasons why insurance products that facilitate higher LTV loans are no longer available from the market.
- The role of the planning system in inhibiting new housing supply may have been exaggerated. It should be explored alongside a wider review of the supply of land, the role of development gain and the provision of infrastructure. The role of land auctions and the taxation of vacant land should be considered.
- The reduction of tax relief to private landlords adds to the tax advantages enjoyed by owner-occupiers. The additional costs are most likely to be passed on to tenants in high demand markets, where affordability is already most stretched.
- Regulation that is sensitive to the market can play a valuable role in creating a rental culture, but that it cannot be used as a long-term solution for chronic housing shortages.
- Social rented housing is the most suitable option for households that seek long-term security, but who cannot safely access owner-occupation.
- Its supply is threatened by the extension of Right to Buy and enforced rent reductions. However, the Starter Home scheme poses a direct threat to new social rental provision through the diversion of planning obligations away from it.


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Did you see that jobs report? George Bush's economy shed 240K jobs last quarter!
If that number hits 750K it will be virtually impossible for 72-year-old let-them-eat-cake-McCain (though I have always maintained that GWB is the Marie Antoinette of the 21st Century) to be reelected to the Senate let alone President.
I just can’t wait to see McCain, Romney, Shrub, et al pandering to the “little guy” out on the campaign trail… “Liberals are to blame! Liberals laid all you people off! Liberals exported your jobs to China. Liberals destroyed the dollar and raised oil to $125/barrel. Our Hedge Funds and $300M CEO salaries had nothing at all to do with it!”
Yes, it may work one or two more seasons (obvious reasons) – but one day we baby room retards will retire (retirement means fixed income -- living on your savings -- and living on savings is going to turn most retirees very liberal IMO). Finally, some day the Baby Boom will die! And I don't see much future for the Republican Party after that.
Finally, this country needs a voting competency test. If we do it for driving, we should do it for voting…
I'm sorry oldies, but if you can't control your bodily functions, then you have no right selecting the next President of the United States of America. Get out of the way! You had your chance and look what you did with it -- 50 years of masturbation through materialism. Now every resource is gone and the world is rapidly becoming, in the words of George Carlin, a steaming pile of shit.
So give a less corrupted and more pragmatic generation a chance!
And remember, JESUS is waiting...


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Scallops and dots and ferris wheels, oh my!
That bold green color is the same one I used for the rug I painted on our front porch. It’s a little more vivid than I would usually recommend, but the fun wall color paired with and would make for a pretty fun look. The adds some zip, and the is perfect for this room.
There is just one more look to go!


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quot;Sunday August 26th2:00am-4:30pmAdult Open Paint, 18 years and older.Large assortment of mixed pieces. Trees, ornamnets, skull, pumpkins, haunted house, crosses, many designs to select from.Pricing is $8 - $45, 10% off for VIP Membership. You select the items you would like to paint and pay just for that item. No extra fees. Choose your colors and start designing.Minimum purchase $20.00Items will NOT be baked in a kiln, the pieces will not be food safe.Pieces are limited. Contact BrushStroke to reserve your seat and your pieces of choice.Reserve your seat. Gratuity for the artist not included.
- Start:August 26, 2018 Time: 2:00 PM
- End:August 26, 2018 Time: 11:59 PM
- Where:BrushStroke Studio 1, 205 Church Street, Naugatuck, Connecticut, United States, 06770
- Event Type: Other
- Ticket Price:N/A

domain: hobby


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What pumpkin treats are you eating right now? I’ve made pumpkin cheesecake bars, Crockpot pumpkin coffee (in an effort to not buy so many PSLs from Starbucks and white chocolate pumpkin coolers from Caribou! 😁), and my favorite so far, pumpkin coffee cake with a streusel and cream cheese filling!Continue reading
I’m not going to lie to you: these aren’t the most figure-friendly brownies on the planet.
They also are not baked entirely from scratch.
Or the neatest. Messy fingers are headed your way in 3, 2…
So! Now that I’ve sold you on them for sure (😉), here’s what they DO have to offer you and your taste buds:
Summer is winding down, and all I want to do is sit outside and eat ice cream while I still can. Living in Minnesota, I live for these sunny warm, days, and I’m not ready to transition over to winter coats and hot coffee just yet. (I never am!) I will bid a tearful goodbye to my shorts, 70-degree weather, and frozen treats in a few weeks when the temps start really cooling down.Continue reading
Want to know my favorite thing about the month of March?
It’s everywhere! From Shamrock Shakes to Thin Mints, flavors of green-tinted peppermint are all over the place this time of year. I love it!
Even better than mint by itself is mint paired with chocolate.
Mint chip ice cream?Continue reading
Some of my posts contain Amazon Associate links. If you click through to Amazon and make a purchase, I may receive a small compensation, at no extra cost to you. That said, I only share products I truly like and think my readers can benefit from!
Let’s keep this short.
Pumpkin Spice Oreos.Continue reading

domain: food


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As technology continues to improve and people live longer, creative financial planners are finding alternative methods to help their clients live more financially comfortable lives.
One of those methods is accounts receivable financing, a strategy that allows an insured retiree to make cash withdrawals against a death benefit policy while still alive. The program is especially popular with physicians, as it includes a provision that protects assets against frivolous and nonmerited lawsuits.
“This is very exciting, and it’s going to apply to so many people,” says Rick Appel, CPA and senior vice president for Advanced Strategies Group. “It’s a tremendous way to accomplish many goals from current asset protection to providing future retirement income on a tax-preferential basis that has no equal.”
Smart Business talked to Appel about what makes accounts receivable financing work for physicians and business owners alike.
How does the program work?
A bank makes a noncallable note basis loan to the business, which could be an individual or professional corporation, a regular C corporation, a sub-chapter S corporation, a partnership or a limited liability company. The business would transfer the funds to the employee or physician, who would in turn remit it to a premium deposit account for the purpose of paying life insurance premiums. This would occur over a period of five years to fund the life insurance policy. The best type of policy is a global-indexed universal life policy.
The loan amount would be made on the basis of the accounts receivable of the physician’s practice or the business. A UCC-1 form is filed that provides protection from creditors on these assets, assets that normally aren’t productive and are usually converted to cash. We basically take that money and put it into the life insurance policy. Within five years, you will have a fully funded global indexed universal life policy. When the insured reaches retirement age, the policy will allow tax-free withdrawals that can be used to fund his or her retirement.
Each and every year, from the time of inception of the program until retirement, the cost to the individual would only be the annual interest payments on the loan. The benefits are tremendous because the interest rate is LIBOR a common benchmark interest rate index that’s used to adjust adjustable-rate mortgages plus 1.75 percent.
How are the life insurance policy’s crediting rates determined?
Three components make up the rate the policy earns and its cash value. One is Standard & Poor’s 500 Composite Price Index, which represents about 70 percent of the market cap of U.S.-traded companies. The second is the Dow Jones Eurostoxx 50, which are the leading companies in the Euro zone. And the third is the Hang Seng Index, which has the 33 largest Asian companies and is representative of the majority market cap for that area.
Each five-year interval has a five-year look-back period calculating the performance of each index. The highest performing index is weighted at 75 percent, the second-highest is 25 percent and the lowest is thrown out. The result produces higher interest crediting rates than other interest crediting methodologies by overweighing the best performing index. The difference between the interest paid on the loan and the crediting rate on the policy’s account value produces an arbitrage that has tremendous leverage.
Can you give an example of the program in action?
A physician is 42 years old and his practice’s average accounts receivable is $820,000 a year. He borrows that amount and purchases a $3.5 million death benefit policy. Over a five-year period, he puts $820,000 into the policy and each year pays $59,000 to carry the loan.
Assuming age 65 is retirement age, he starts pulling out more than $366,000 a year of the policy cash value on a loan basis, which is nontaxable, and he does this from age 65 to 85, which would yield a total of $7.69 million in nontaxable retirement benefits. The compounding is tremendous in a tax-free build-up inside the life insurance policy.
At the same time, he had a large death benefit that increased from the original $3.5 million to the time when he started making withdrawals. Over the years the policy was funded, he would have paid $830,000 in interest while pocketing more than $7.6 million in tax-free money.
He had the option of paying off the loan when he started retirement from the policy values or he could have paid it from other sources or waited for the death benefit to pay it off.
RICK APPEL is a CPA and senior vice president for Advanced Strategies Group. Reach him at (248) 359-2480 or RAappel@AdvancedStrategiesGroup.com.


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Bennet Davis engages in a broad-based real estate practice. He has experience representing clients in the acquisition, disposition and financing of multifamily, commercial, retail and mixed-use properties. He also has experience representing landlords and tenants in the leasing of commercial and retail properties.
- 埃默里大学法学院法学博士, 法学博士, with honors
- University of Central Florida, 文学学士
- Legal Extern, U.S. Federal Trade Commission
- Judicial Intern, Chambers of the Honorable Marcy L. Kahn
- Judicial Intern, Chambers of the Honorable Rosalyn H. Richter

domain: law


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Reviewed by Brenda Casto for Readers' Favorite
Do You See What I See? by Delia Latham is the first book in the Smoky Mountain Christmas series. In a short contemporary read, Ms. Latham provides a story of hurt and misunderstanding and ultimately finding that the truth isn't always what we think it is. Even though it's been three long years since Laramie Buchanan saw something that caused her to leave her fiance Evan Lassiter at the altar, she still can't get over the hurt, or the love that she still carries for him. Moving across the state with her best friend to start a new business, she hasn't returned home once. Now with the approach of her grandfather's eightieth birthday, she decides it's time to go home and try to put the past behind her, but can she face Evan without getting her heart broken all over again?
Delia Latham packs plenty of book into the eight chapters of Do You See What I See? Ms. Latham is easily becoming one of my favorite writers because she creates characters with depth and clarity who often struggle with faith, while living real lives. She allowed me to understand what Laramie was dealing with as she struggled not only with the heartbreak of what she thought she knew, but also the hurt she felt over losing her faith along the way.
Once I started reading the story, I was drawn in and had to know the why's of what had happened! It was interesting that Evan never really knew what had happened to cause Laramie to run, and once the truth was revealed it did make sense. I loved the many secondary characters, especially Sydney Traynor who was Laramie's best friend and business partner. Her no-nonsense attitude was fun, and the beginnings of her love story left me hoping that she might get her own book. A faith based, second chance at romance read that provides a wonderful family feel, that leaves me hoping the author will give a few of the secondary characters their own story. A great holiday read, but honestly it's a story that can be read any time of the year!


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Travellers told to move by Tuesday or face court action
- Credit: Archant
Travellers who have invaded on a popular park in the centre of a South Norfolk town have been warned they have until Tuesday to leave or face court action.
Eight caravans towed by 4x4 vehicles and vans began to arrive at Diss Park on Thursday (May 2) and were driven on to the grass where they were parked.
On Saturday the makeshift encampment was still in place at the centre of the park, which stretches from the banks of Diss Mere to Park Road and Denmark Street.
The caravans have been sited close to the town's main public children's area and public toilets. The six-acre park, which is overseen by Diss Town Council, also includes a multi-use games court, Diss Pavilion and picnic benches that are popular for people overlooking the Mere.
The Town Council said it was working closely with Norfolk Police and South Norfolk District Council to address the problem and had today issued the travellers a notice to leave, though they may remain on the park until after the Bank Holiday weekend.
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In a statement the council said: "A notice to leave has been issued to the travelling community today requesting that they vacate the park by the end of Tuesday.
"This is the first step to invoking Part 55 of the Civil Procedures Rules allowing landowners to regain possession of their land. If the travellers do not leave the site by May 7, the Town Council will then begin action against the unauthorised travellers through the County Court.
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Police said they had been made aware of the travellers on the site and that officers were making a visit and that the land owners would be assisted if any action is to be taken.
The council statement added: "The travellers have been polite and amenable to the requests of the police and council until now and there have been no reports of any anti-social behaviour."


There are many advantages and disadvantages of reading the newspaper newspapers are one of the traditional mediums used by businesses, both big and small alike. Advantages: more targeted: specific magazine titles appeal to specific target groups more so than a newspaper advert long life: magazines have a longer “life” than newspapers, they sit about in doctor’s waiting rooms, magazine racks and with collectors. Benefits of reading, reading benefits, benefits of reading books, advantages of reading good for you - duration: 5:08 doodle master me: how to lose weight & belly fat 51,278 views 5:08. Advantages and disadvantages of electronic claims and patient files is more accessible than the old recording systems that used paper the file now can be . What are the advantages and disadvantages of surveys surveys are easy to develop, especially when using the advanced survey software solutions available today many researchers are tempted to do much of their data collection online however, it is not always the preferred mode of data collection, especially if respondents are in hard-to-reach areas.
Advantages & disadvantages of using paper currency by dax wagner updated june 26, 2018 a dollar bill, also known as a federal reserve note, is a form of fiat currency that makes the trading of goods and services easier by not having to carry around large items in exchange for those goods and services. Here are some of the disadvantages and advantages of advertising in a newspaper are discussed below what is newspaper disadvantages of newspaper recruitment: 1 . Advantages and disadvantages of recycling common products manufactured using waste materials include paper towels, newspapers, steel cans, soft drink containers .
2 what are the advantages & disadvantages of using file compression 3 advantages & disadvantages of a paperless office 4 advantages & disadvantages to a manual inventory control system. Top 20 advantages and disadvantages of paperless office greener option than using the reams of paper that could cut down on advantages and disadvantages you . What is the advantages and disadvantages of newspaper 13 answers d ds answered i think the major disadvantage of newspapers is that even though they bring us news .
Learn the advantages and disadvantages of each advertising medium, from traditional media to online mediums, that you can use to provide your business the winning edge. The most common forms of media today are radio, internet, newspaper and television media is an important part of our lives it is also two-sided meaning that it has a positive side and a negative one. Keep learning what are the advantages and disadvantages of media in today's society what are the advantages and disadvantages of newspapers is telegraf a good source for the latest news in bosnia. Keeping a paper trail comes with a number of advantages and disadvantages, however, and these must be weighed against one another when determining how much time to spend creating one reasons a paper trail is a step-by-step history of a transaction. The advantages and disadvantages of print media posted on february 27, 2014 june 26, 2018 by fedena one of the most popular and growing industries is the print media and the reason being the fact that it is one of the easiest ways to reach targeted customers by advertisers and marketers.
Advantages and disadvantages of internet and newspaper advertising by scott cornell think of it as old school versus new school - newspaper print advertising and internet advertising. Newspapers have a strong tradition of delivering accurate, reliable news, but they are increasingly viewed as outdated newspapers employ reporters who know how to uncover basic facts about important stories online resources, however, are increasingly filling this role many people are lamenting . Pros and cons of free publicity in newspapers, magazines this is the first in a three-part series on the advantages and disadvantages of print, broadcast and online . Start studying chapter 12: advantages & disadvantages of magazine & newspaper advertising learn vocabulary, terms, and more with flashcards, games, and other study tools.
The purpose of this paper is an evaluation of the advantages of medicinal consumption of marijuana compared with the disadvantages of consumption there is a tremendous body of evidence in recent years supporting the use of cannabis for medicinal purposes, particularly with regard to chronic pain treatment and treatment of certain central . Advertisers must weigh the advantages and disadvantages to using print and the internet to reach their target audiences effectively placing an ad in a newspaper . List of disadvantages of billboard advertising 1 costs one of the disadvantages of using billboard advertising is the money a company needs to spend from the time the billboard is set up to the time it is taken down.


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Black Swan State
Theatre Company presents
By Tim Winton
25 June – 17 July 2011
Only loosely tethered to shore but never
ready to set sail, Col, Baxter and Jackie have made a jumble of boats in a
Fremantle marina their barely floating homes.
It’s Australia Day, and as the city noisily celebrates
around them, they just want to hole up and be left in peace. When Dee, a young
English backpacker, stumbles upon them with far too much anger and alcohol in
her belly, she well and truly rocks their boats, and the past they want to
escape from gets dragged up like jetsam from the sea.
Tim Winton is a four time Miles Franklin Award winner and
was shortlisted twice for the Man Booker Prize for Fiction. Rising Water is
full of the compassion and larrikin humour that are the trademark of Winton’s
work, chronicling the lives of outsiders and fringe-dwellers in his
unmistakably (West) Australian voice.
“As I devoured the
pages of Tim’s debut play, I found myself laughing one minute, weeping the
next. I could not wait to see his rich and textured characters brought to life
on stage.” Kate Cherry
Ledger Theatre, State Theatre Centre of WA
Approx. 2hrs 20mins [incl. interval]
Cast includes: Kai
Arbuckle, Callum Fletcher,Stuart
Halusz, John Howard, Geoff Kelso, Claire Lovering and Alison Whyte.
Standard $64.50 / Concession $49.50 / Previews $44.50 / Groups 8+ $47.50 /
Ticketing, ph (08) 9484 1133, Groups 8+ ph (08) 9321 6831, http://www.bocsticketing.com.au/whats-on/132/rising-water-43/


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Hengaw: During the past month, 58 Kurdish citizens were arrested by Iranian security agencies.
On average, every day two citizens were arrested.
In January 2019, at least 58 Kurdish citizens were arrested by the Iranian government's security agencies, and the fate of a large number of them is unknown.
The statistics of the detainees, based on the type of charges
- 51 citizens: Political activity and cooperation with Kurdish opposition parties
- 4 citizens: Kolbar
- 2 citizens: Currency Exchanger
- A citizen: Civil activity
Five children, eight environmental activists, a student and two lawyers among the activists were arrested.
The statistics of the detainees according to the province of residence:
* Kurdistan Province: 30 people
* West Azarbaijan Province: 22 people
* Kermanshah province: 6 people

domain: politics


Drug-related deaths more than double in North in decade
People living in most deprived areas five times more likely to die from drugs
Drug-related deaths involving cocaine in the North increased from 13 in 2017 to 28 in 2018, the highest level on record. Photograph: Getty Images
In 2018 there were 189 drug-related deaths in the North, the highest number of such deaths ever recorded in the North. This was an increase of more than 50 deaths on the drugs fatalities from 2017, when 136 people died.
The figures, which were analysed by UK Addiction Treatment Centres (UKAT), also reveal that people living in the most deprived areas of the North are five times more likely to die from a drug-related death than those in the least deprived areas.
“Today’s report from the NISRA paints an extremely worrying picture for those living with a drug problem in Northern Ireland,” said Nuno Albuquerque, a drug addiction treatment expert with UKAT.
“It’s important to remember that these aren’t just statistics; they’re someone’s mother, father, child or friend who have sadly died as a direct result of drug misuse.”
Of the 189 deaths in 2018, 72 (38.1 per cent) were in the 25-34 age group, with a further 50 (26.5 per cent) in the 35-44 age group.
Half of these deaths – 95 – were young men aged 25-44, and in total male deaths of all ages accounted for 70 per cent of all drug-related deaths at 133.
The figures further show that between 2017 and 2018 the drug-related mortality rate increased for both males and females. The rate for males increased from 11 to 14.4 per 100,000 males ,while for females the rate rose from 3.7 to 5.9 per 100,000 females.
Since 2010 over half of drug-related deaths each year have involved an opioid. In 2018 a total of 115 drug-related deaths had an opioid mentioned on the death certificate. Heroin and morphine were the most frequently mentioned opioids in 2018, connected to 40 drug-related deaths, up from 24 in 2017 and the highest number on record.
Drug-related deaths involving cocaine increased from 13 in 2017 to 28 in 2018 and again this is the highest level on record.
Diazepam was listed in 40.2 per cent of all drug-related deaths in 2018, a similar proportion to that recorded in previous years.
Drug-related deaths involving pregabalin, however, have risen consistently since its first appearance in the statistics in 2013. The annual number of deaths involving this controlled substance rose from nine in 2016, to 33 in 2017 and 54 in 2018.
The latest figure sees pregabalin appearing in 28.6 per cent of all drug-related deaths.
Almost 23 per cent of drug-related deaths in 2018 also mentioned alcohol on the death certificate, a proportion which has remained relatively consistent over the last five years.
Mr Albuquerque said NISRA had provided a “stark and dark report”. These statistics must better inform local policy and budget decision-makers “in order to proactively improve the lives of vulnerable people living in Northern Ireland”.