California’s mandates to replace diesel trucks with zero-emission electric trucks will bring cleaner air and better jobs – if they stay on track. Slow action by electric utilities and fierce opposition by trucking companies are real threats. Displacement of brick-and-mortar retail stores by online retailing and sprawling warehouses has come at the cost of climate change, bad air, low wages.
The Inland Valley Development Agency plans to convert a 678-acre residential and mixed-use area north of San Bernardino International Airport into 9.2 million-square feet of warehouse and industrial space to create “a thriving jobs center.” This gesture at economic development has already been shown to create poverty-level jobs, economic hardship, and precariously housed workers.
The fast food industry is a poverty employer, with a larger share of its workers in poverty than any other industry. All low-wage workers face some level of risk that they will become homeless. This risk is compounded in the fast food industry by the combination of low wages, part-time work and employee churn. These interlocking hazards undercut workers’ ability to pay their rent.
Breaking the Fall – Covid Interventions Prevented Homelessness Struggling workers are either everyone’s responsibility now or everyone’s problem later. When poorly paid workers become jobless at the thin edge of the job market and then unable to pay rent, homeless destitution follows. In fact, we are equipped with the tools we need to protect workers from the sharper edges of joblessness and to combat homelessness.
Ports and the Economy Ports should be two-way gates – goods enter and they leave. But in the San Pedro Bay, foreign shippers kicked the gate until it broke – goods are coming in but not going out, harming the environment in port cities, eliminating jobs of California residents and causing long-term harm to local economies and businesses.
A multi-state survey of Over 37,000 Kroger grocery store employees finds 78% food insecure and 14% homeless
COVID-driven loss of jobs and employment income will cause the number of homeless workers to increase each year through 2023. Without large-scale, government employment programs the Pandemic Recession is projected to cause twice as much homelessness as the 2008 Great Recession. The Economic Roundtable used data from the 2008 Great Recession to estimate the linkage between job loss and homelessness and forecast the amount and type of pandemic-driven homelessness in Los Angeles, California and the United States.
Meeting the basic needs of unemployed workers throughout this economic downturn is essential for preserving our social fabric and civic institutions. California needs to take direct action to address the economic emergency caused by COVID-19 that is causing widespread business closures and extremely high unemployment. Forty-three percent of California workers have a high risk of unemployment.
Households in the Los Angeles metro region paid $7.2 billion for packages from Amazon.com in 2018. Less publicly visible was more than $790 million paid out in public subsidies and uncompensated public costs that supported Amazon’s profitability. It is time for Amazon to come of age and pay its own way. This means paying its full costs to the communities that host it and the workers who create its profits.
San José, California's third most populous city, regulates rent increases for older apartment units through its Apartment Rent Ordinance (ARO). To help inform ongoing policy deliberations by the San José City Council and Housing Department staff, this update report gathers recent data about the demographic characteristics of ARO tenants and characteristics of ARO apartments.
In major U.S. metropolitan areas, the number of long-term homeless needing housing far exceeds the available housing supply, making it difficult to move persistently homeless individuals off of the streets. One of the most promising approaches to reducing these numbers lies in early identification and quick, effective intervention to help those most likely to become persistently homeless. Two new screening tools from the Economic Roundtable can help the most vulnerable people get access to the public services they need as soon as they become homeless, or even before they are homeless, and reduce the flow of people into chronic homelessness.
Reliable estimates of time spent homeless during a year are important for an evidence-based intervention framework. Understanding the prevalence of short-term versus persistent episodes of homelessness enables accurate allocation of resources based on differing levels of need. The prevailing approach to homelessness prevention and intervention is “progressive engagement.”
This streamlined triage tool was developed for the Santa Clara County Center for Population Health Improvement (CPHI). It provides an empirical tool for prioritizing patients for permanent supportive housing using close-to-real-time data that is available to CPHI. In addition, an industry-wide switch in medical diagnostic classification systems necessitated a conversion of all diagnostic variables from the ICD-9 classification system to the ICD-10 system.
The Port Authority that oversees LaGuardia, the John F. Kennedy and Newark Liberty international airports is considering a proposal that would raise the minimum wage for 40,000 low wage workers at regional airports to $19 per hour by 2023. If passed, it will create the highest publicly mandated minimum wage in the nation and will deeply impact local communities. An economic stimulus is projected in the communities where workers live. Their increased household spending is projected to increase economic output by over $465 million in 2023 and every year thereafter, creating 2,700 new jobs.
We can’t navigate without a map. If we can't see the whole picture of homelessness, we can't begin to solve the problem. This meta-analysis brings together 26 point-in-time data sets to provide a single panoramic description of people without homes who are living in places not meant for human habitation. In addition to building affordable housing, the path for ending Los Angeles County’s crisis of chronic homelessness is through identifying individuals with a high risk of becoming chronically homeless early after the onset of homelessness and intervening with coordinated system-wide assistance that supports a permanent exit from homelessness before the problem is catastrophic.
Disneyland Resort is the most iconic theme park in the world. Disney’s best-known characters are present in the park and woven into America’s national culture, recognized and celebrated around the world. People share more photographs from their visits to Disneyland than from any other place in the world, making it the most Instagrammed location on earth. However, employees report high instances of homelessness, food insecurity, ever-shifting work schedules, extra-long commutes, and low wages.
Within the past year, Los Angeles County and City voters approved $4.75 billion for services and housing to combat homelessness. The Greater Los Angeles Homeless Count is crucial for identifying how this money should be used to help people escape homelessness. The Count is an increasingly comprehensive effort to count and describe Los Angeles’ homeless residents, but it is not yet sufficiently accurate to identify year-to-year changes in homelessness.
Creating a $15 minimum wage at U.S. airports will provide transformative economic benefits for low-paid air transportation employees who work 24-7 in a fast-paced, noisy environment, providing essential services for airlines and the traveling public. The $15 wage will also generate job growth in businesses where airport workers spend their wages, lift many out of poverty, reduce dependence on public assistance, and boost tax revenues that pay for crucial government services.
San José, California's third most populous city, regulates rent increases for older apartment units through its Apartment Rent Ordinance (ARO). To help inform policy deliberations by the San José City Council and Housing Department staff, this report analyzes demographic characteristics of ARO tenants, characteristics of ARO apartments, compares ARO allowable rents increases with Rent Stabilization Ordinances in other cities, analyzes the debt-service pass-through, and financial outcomes of ARO rental properties.
Why the Silicon Valley Triage Tool is Important: The number of homeless people needing housing far exceeds the available housing supply, and there is not a fair, objective system for prioritizing who gets to be housed. The triage tool addresses this problem by identifying individuals for whom the solution of housing costs less than the problem of homelessness.


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Paty Hermosillo-Perkins thinks she may have a winner in her gluten-free granola.
But the beekeeper and retired kindergarten teacher from Petaluma voices uncertainty on whether she will take advantage of a new state law that allows entrepreneurs to legally make some food products at home.
"I'm realizing that I need to do a lot more research," said Hermosillo-Perkins, who last year started a business making bee-wax body balms and other handmade care products. More recently she started packaging up her granola, which at times is made with honey from her bees.
The California Homemade Food Act allows small business operators to make relatively low-risk foods at home and sell them, a practice previously deemed illegal. The law took effect Jan. 1.
Supporters say the legislation allows entrepreneurs a new legal way to sell food products without renting expensive commercial kitchens.
"This law is going to make it a lot easier to get small businesses off the ground," said Kelley Rajala, director of the Share Exchange, a Santa Rosa cooperative with a Fifth Street store that sells locally made goods.
Both food producers and a Sonoma County public health official said the law could bolster the local economy and help a county-backed effort to encourage more locally produced foods. However, some worried that home food makers will balk because of the accompanying rules imposed by local zoning and health officials.
In Sonoma County, for example, public health officials have ruled that home food makers can't ship their products via U.S. mail or carriers like UPS, a move that effectively rules out online sales. Some city planning departments, meanwhile, won't allow the food to be sold from homes.
"If you don't allow sales at home and you don't allow sales online, you don't have a lot of places to sell," said Frederick Smith, a supporter of the law who gave a presentation on it Thursday night in Petaluma.
Under the law, business owners must register their "cottage food operations" with county health departments. Gross sales are limited to $35,000 this year, an amount that rises to $50,000 by 2015.
The state has released a list of approved foods, focusing on items that don't require refrigeration in order to prevent bacteria growth. The approved foods include such baked goods as breads and fruit pies, honey, nut mixes, dried fruits, cereals, vinegar and mustard. Jams and preserves are allowed but must comply with federal standards.
More than 30 states have similar homemade food laws.
The California legislation was co-written by Assemblyman Mike Gatto, D-Silver Lake, who said he was prompted to act by a story of a constituent whose homemade bread business was shut down by local health officials.
Both food producers and the law's supporters said many entrepreneurs found the state's old rules too costly to follow for those wanting to make food items on a small scale.
Baker Dawn Zaft said if she had been forced to use a commercial kitchen, "there was no way I could have afforded to start my business."
Instead, Zaft started her company, Criminal Baking, at home almost a year ago. Last fall she moved to a commercial kitchen and cafe, or "noshery," on Sebastopol Avenue in Santa Rosa.
She expressed hope that both public officials and small food makers will work together to make the new law a success because food producers provide needed economic benefits to their communities.
Shelters for Pawnee fire evacuees
Lower Lake High School, 9430 Lake St., Lower Lake, is the official shelter established for people evacuating from the Pawnee fire. It is equipped to handle animals.
The Clearlake Oaks Moose Lodge, 15900 E. Highway 20, Clearlake Oaks, is not authorized by the Office of Emergency Services but is also sheltering fire evacuees, mostly people in campers and RVs who want their animals with them.
There is an authorized Lake County animal services station in an open field at Highway 53 and Anderson Ridge Road in Lower Lake.

domain: news


The State of the City Address from Mayor Luke Bronin Monday evening was cut to the bone, just as the City and District budgets are about to be. At a Hartford Board of Education retreat earlier that day, District and Board leaders grappled with the implications, emphasizing the importance of clear communications that encourage public knowledge and participation.
Parting company with characteristic State of the City language, the mayor reported that “the state of our city can and will be strong — if we face our challenges honestly, with clear vision and with an unflinching willingness to do the difficult things those challenges demand.” In blunt detail, he reported, “as directly and as plainly as I can, that while our city is strong, the state of our financial condition is dire. We are in a state of fiscal emergency.”
The City’s debt service cost is $10 million this year – and will jump to nearly $30 million next year and some $50 million by 2019. “We’re like a household that’s taken out a second mortgage, maxed out the credit cards, and borrowed money from family and friends to keep up with the payments,” he said. Cuts in services and layoffs are now unavoidable; new strategies are unfolding to address benefits and pension costs, as reported by the Courant.
The Devil Is in the Deficits
At the Board retreat earlier Monday, Chair Richard Wareing described the multi-level deficits projected for Fiscal 2017: $20 million for the District, $30 million for the City, and $900 million for the State. “You don’t have to be Nostradamus” to figure out there’s a problem, he said.
The District is faced with restructuring, because many of its buildings have inadequate features or are run down, Board Finance and Audit Committee Chair Craig Stallings advised. “I personally have said I want to close 25 schools,” he said, calling for a full Finance Committee hearing to apprise parents why principals are cutting seven to 10 positions per school.
The Bottom Line. With layoffs coming at every level, we have to ask the question, how will Hartford’s strategy change to still meet the goals set forth by the Strategic Operating Plan?
While that question must be answered by management, the Board of Education and City Hall ultimately have to ensure management has what it needs to carry out its plan. The buck stops with THEM, not the superintendent.
Also, the opportunity exists right now to make some bold changes as related to school consolidation and magnet school racial quotas. As resources for neighborhood schools diminish during this fiscal crisis, Hartford should find ways to move more of its students into magnet school seats – even if the racial proportions at those are thrown a bit out of whack. The time to have this conversation is now.


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Islander Resort Hotel is one of the larger properties located in Surfers Paradise. A 3-star rating promises a superb level of quality in Surfers Paradise.
Everybody staying at Islander Resort Hotel has access to a garden, a BBQ/picnic area and an arcade/game room, which are all present on-site. The hotel has options that contribute to your wellbeing, such as a spa tub and a steam room. You can enjoy an outdoor swimming pool on-site. Hotel services (a dry cleaning/laundry service and a luggage storage) make your stay in Surfers Paradise more convenient. In total, there are 100 rooms here. You can also benefit from free parking.
Warmth can be controlled via an air conditioning system in the rooms of Islander Resort Hotel. Rooms with a view are also available. A coffee/tea maker is provided in the rooms.
One Queen Bed
orOne Single Bed Measuring 355 square feet (33 square meters), this room opens to a balcony with pool views. A coffee/tea maker and a refrigerator are provided. The private bathroom has a shower; a hair dryer can be requested. A safe, an iron and ironing board, and a clock radio are among the conveniences offered. This room is Non-Smoking.
Two Double Beds
orOne Single Bed Measuring 689 square feet (64 square meters), this room opens to a balcony with pool views. The private kitchen is stocked with a microwave and a coffee/tea maker. The private bathroom has a shower/tub combination; a hair dryer can be requested. A safe, an iron and ironing board, and a clock radio are among the conveniences offered. This room is Non-Smoking.
|Check-in:||From 13:00 Check-out: Until 10:00|
|Internet:||Paid Wi-Fi, Paid wired internet, Internet Point|
|Extra common areas:||
|Food & beverage:||Vegas Restaurant - This restaurant serves breakfast, lunch, and dinner. Guests can enjoy drinks at the bar. A children's menu is available.|

domain: travel


text:
2 edition of British diplomaticservice, 1689-1789. found in the catalog.
British diplomaticservice, 1689-1789.
D. B. Horn
|The Physical Object|
|Number of Pages||324|
[Gardening for the disabled
Computerr-aided-design (CAD) software for recursive digital filter
Mans responsibility for nature
Acid-neutralizing potential of minerals in intrusive rocks of the Boulder batholith in northern Jefferson County, Montana
Public administration: comparative administration, development administration; concepts and theory in their struggle for relevance
Twenty-first annual report, for the year ended 30th September, 1968
Managing headteacher appraisal
Newfoundland Savings Bank, June 12, 1834-March 31, 1962.
An economic profile of Tucker County, West Virginia
British diplomatic instructions, v by Legg, L. Wickham (Leopold George Wickham), b. at - the best online ebook storage. Download and read online for free British diplomatic instructions, v by Legg, L.
Wickham (Leopold George Wickham), b. /5(4). Read this book on Questia. This British diplomaticservice is intended to continue the list of British Diplomatic Representatives published by the Society in and also to provide material for the list of Diplomats which is appearing under the auspices of the International Congress of the Historical Sciences.
British Diplomacy in Switzerland () and Eighteenth Century Diplomatic culture Christopher Storrs 1 England’s position in Europe was transformed in the long eighteenth century (), following the Glorious Revolution ofwhen king James II was replaced on the.
Full text of "British diplomatic instructions, " See other formats. The Ambassador of Great Britain to France (French: L'Ambassadeur britannique en France) was the foremost diplomatic representative in France of the Kingdom of Great Britain, created by the Treaty of Union inin charge of the British diplomatic mission in France.
Traditionally, the Embassy to France was the most prestigious posting in the English and later British foreign services Appointer: The monarch. British Diplomacy in Switzerland () and Eighteenth Century Diplomatic culture Article September with 12 Reads How we measure 'reads'.
Rand McNally, 13 books Pearce, Michael, 5 books D. Horn, 3 books Willson, Beckles, 3 books Thomas Wodehouse Legh 2nd Baron Newton, 3 books James Patterson, 3 books Grant V. McClanahan, 2 books Rumbold, Horace Sir, 2 books Nicolson, Harold George Sir, 2 books Strang, William Strang Baron, 2 books Wester Wemyss, Rosslyn Erskine Wemyss Baron, 2.
The Ambassador of the United Kingdom to the Netherlands is the United Kingdom's foremost diplomatic representative in the Netherlands, and head of the UK's diplomatic mission in the Netherlands.
The official title is Her Britannic Majesty's Ambassador to the Kingdom of the Netherlands. Since the formation in of the Organisation for the Prohibition of Chemical Weapons (OPCW), which is.

domain: history


Machined with high precision machine tools, subjected to stress tests to ensure superior reliability, robustness and durability. The brake allows an operating pressure of up to 200 kg and a pedal force of up to 100 kg, (the maximum in the sector), for extreme performance and strong emotions.
Base body and pedal body of each module are made entirely of anodized aluminum to ensure great precision in movement, high reliability and maximum driving comfort. Possibility to have different colors for some parts in anodized aluminum.
Refined design and quality of materials make Wave Impetus a mechanical and electronic jewel that faithfully reproduces the aesthetics and performance of the original controllers.
When you are looking for the Best value in Sim Racing, the Heusinkveld Sprint Pedals stand out for their quality craftsmanship and pin-point precision that ultimately reduces...View full product details
Elevate your sim racing experience with the updated Formula PRO. Built for racing eSports enthusiasts, the Formula PRO it’s the perfect option for those who...View full product details
The Heusinkveld Ultimate Sim Racing Pedals are made for serious performance. With that serious performance comes some serious stress loads ( 300lbs ), and this...View full product details


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CCC Camp Gap Ranch
CCC Camp Gap Ranch was named after one of several ranches in the enormous holdings of Bill Brown's ranching empire.
Bill Brown came to eastern Oregon in 1880 and gradually amassed holdings of almost 40,000 acres in four counties. In his prime he owned enormous herds of horses and numerous bands of sheep and was noted for the vast sums of money he gave to charities.
In 1936 Camp Gap Ranch was developed on land acquired from Bill Brown's holdings. At first a tent camp, it was soon transformed into a more permanent facility with wood-framed barracks, kitchen/mess hall, officers' quarters, shops and others support buildings.
The camp was staffed by up to 200 enrollees, supervisors and officers and operated for the next five years.
The men of Gap Ranch and other camps in southeastern Oregon built range improvements such as fences, roads, reservoirs and spring developments and lasting buildings like those at Malheur National Wildlife Refuge and Northern Great Basin Experimental Station.
With the outbreak of World War II, the camp was closed and most of the buildings were dismantled and used elsewhere in the war effort.
All that remained were a few rock buildings, water tower, pump house/windmill tower, rubble rock walls, rock lined paths and a seemingly random assortment of concrete foundations.
Burn District BLM is preparing the site for visitors by completing much of the structure restoration and stabilization, visitors' parking lot and rock wall barriers.
In 2000, we plan to design and install two overlooks with interpretive panels and a short walking trail for those visitors who want to explore the site.

domain: geography


text:
Rhetoric grows as IFRS approaches
The warnings are nothing new. But they are certainly getting louder and more earnest. Corporate education, information and communication on upcoming IFRS is urgently needed, according to a report released by KPMG.
The study says that companies must step up their efforts to assess and communicate the impact of International Financial Reporting Standards (IFRS) on their financial reports or risk an impact on share price.
In a survey of 100 buy- and sell-side investment analysts, 53% believed that the introduction of IFRS would have an impact on the valuations of company shares, but said that the markets had not yet factored these impacts into pricing. A further 5% were as yet unsure. Just over half said that there would be some market turmoil as a result of the change in reporting requirements, with 35% saying they would mark down the shares of a company that showed unexplained volatility in earnings.
IFRS will in many cases change the complexion of the financial information that analysts use to assess company performance. When asked whether they felt confident enough that they would be able to distinguish between changes that are the result of underlying business performance and those due to accounting changes, 46% expressed doubts.


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After the release of the third title update for Sifu on December 8, it seemed safe to assume that we would have to wait a few more months before the next update. As it turns out, however, developer Sloclap had one more surprise for us this month — technically two. First, Sifu will get a Steam release next year at last, so PC players no longer have to buy it exclusively on the Epic Games Store. But for those who already own the game, the second surprise will undoubtedly be more significant. This surprise comes in the form of a new mode called Arenas in which players can further sharpen their skills.
Alongside this double announcement, Sloclap shared a teaser trailer that briefly shows the Arenas mode in action. It depicts the protagonist fighting in all sorts of areas not found in the main game, such as a completely darkened hallway, a large green void, and a helipad. As of right now, Sloclap has not explained the exact rules of this new mode. However, we can safely conclude that it will see players taking on waves of enemies in closed-off arenas rather than the extensive levels of the main campaign.
Your efforts will not go unrewarded
Sloclap briefly went over the rewards that players can receive for conquering the mode’s various challenges. These include a wealth of new modifiers, about as many as the game has currently, along with “alternative moves to the Kung Fu palette of our main character.” Additionally, players can unlock more cheats as well as new outfits to try on.
The announcement of both the Steam release and the Arenas mode comes as probably the best Sifu news we have received in a while. The Arenas mode in particular will no doubt catch the attention of fans, as many of them have both requested and waited for this feature ever since the game’s release.

domain: game


Hoists are used to safely and efficiently lift and position heavy loads. Although there are many types and configurations of hoists, the four essential components are; a power source, a drum or lift-wheel, a lifting medium such as chain or wire rope, and a mounting system like a hook or trolley.
Chain hoists are easy to maintain and less costly than wire rope hoists. Wire rope hoists can achieve higher capacities and perform lifts faster and at higher heights.
Hand chain hoists are ideal for construction, maintenance, and automotive applications. And lever hoists, or ratchet hoists, allow the user to pull, lift, and position materials horizontally, as well as vertically.
Hercules SLR works with leading hoist manufacturers to offer our customers all available lifting mediums and suspension configurations. We can customize a hoist that meets any lifting, safety, and application-specific requirements.
Collect AIR MILES(R) Reward Miles when you purchase Hercules products & services. Get 1 Mile for every $30 spent excluding taxes.
*All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel and/or Merchandise Rewards, you must have accumulated sufficient AIR MILES reward miles in your Dream Balance. Some restrictions may apply. Quantities may be limited. Collectors must pay taxes, fuel surcharges and other applicable charges and fees on air, hotel and car rental Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. For complete details, visit airmiles.ca or call the AIR MILES Customer Care Centre at 1-888-AIR MILES (in Toronto (416) 226-5171)
®™ Trademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and Hercules SLR.


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|Motel 6 Harker Heights - 480 East Veterans Memorial Blvd.|
480 East Veterans Memorial Blvd., Harker Heights, TX 76548 US
With a stay at Motel 6 Harker Heights in Harker Heights, you'll be within the vicinity of Killeen Mall and Vive Les Arts Theatre.
~11.07 Miles from Belton center
|Motel 6 Round Rock|
1400 North I 35, Round Rock, TX 78681 US
With a stay at Motel 6 Round Rock in Round Rock, you'll be convenient to Rock Creek Plaza and Stella Park.
- Pet friendly hotel
- Rates are normally from 60.99 to 70.99 USD
~40.26 Miles from Belton center
|Motel 6 Waco Bellmead in Bellmead|
1509 Hogan Ln, Bellmead, TX 76705 US
With a stay at Motel 6 Waco Bellmead, you'll be centrally located in Bellmead, convenient to Waco Convention Center and Texas Ranger Hall of Fame.
- Pet/Dog friendly
- Indoor swimming pool in hotel
~42.05 Miles from Belton center
Next: Show All Available Comparable Hotels with Pricing >


text:
No products in the cart.
The New York Otolaryngology Group physicians have consistently been recognized among New York City's foremost doctors within their areas of specialization. NYOG is staffed by an exceptional team of board-certified physicians and specialists.
- New York Sinus Center
- Head & Neck Surgery Center
- Hearing and Balance Center
- New York Voice Center
- Facial Plastics Center
SINUS CENTER: Sinusitis - Sinus Surgery - Anosmia / Loss of Smell
HEAD & NECK SURGERY CENTER: Head & Neck Cancer - Parathyroid Disease - Thyroid Disorders
HEARING & BALANCE CENTER: Hearing Disorders - Hearing Loss Causes - Hearing Loss Treatment - Hearing Aids - Ear Surgery - Hearing Test
NEW YORK VOICE CENTER: Voice - Speech - Swallowing - The Professional Voice
Cannot find contact information.

domain: medical


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Your adventure begins at the Downtown Heliport at Pier 6 when you board a luxury helicopter for a 15-minute helicopter flight. In the spring and summer, see the Manhattan skyline at sunset, offering you views of the magnificent New York skyline.
Listen to your friendly pilot share fascinating facts and anecdotes as you spot some of the city's most famous sights. Marvel at sensational views of the Brooklyn Bridge and Statue of Liberty in New York Harbor. Soar over the Hudson River and spot the iconic Empire State Building and sprawling Central Park. Your flight also offers vistas of other Manhattan landmarks including the Chrysler Building, World Financial Center, Chelsea Piers, Time Warner Center and Ground Zero, as well as New Jersey attractions such as the Goldman Sachs Tower, Colgate Clock and Liberty State Park.
After your helicopter ride, you'll be escorted on a short walk to Pier 16, where you’ll board a iconic Circle Line boat for a 1-hour evening cruise of New York Harbor. Hear narration by your knowledgeable guide as you delight in captivating views of the Manhattan skyline and cruise under the Brooklyn Bridge on your way to an up close view of the magnificent Statue of Liberty.
Your magical New York experience concludes after nearly 2 hours with your return to Pier 16.
If you cancel at least 7 day(s) in advance of the scheduled departure, there is no cancellation fee.
If you cancel between 3 and 6 day(s) in advance of the scheduled departure, there is a 50 percent cancellation fee.
If you cancel within 2 day(s) of the scheduled departure, there is a 100 percent cancellation fee.
You can present either a paper or an electronic voucher for this activity.
Complete Operator information, including local telephone numbers at your destination, are included on your Confirmation Voucher. Our Product Managers select only the most experienced and reliable operators in each destination, removing the guesswork for you, and ensuring your peace of mind.
Downtown Heliport at Pier 6
Monday, Thursday, Friday. Saturday
April - September
Check-in by 6pm
Please arrive at least 30 minutes prior to check-in
1 hour 45 minutes
Returns to Pier 16


HM Revenue and Customs
Self Assessment customers can help themselves by filing their tax return early
The Self Assessment deadline for the 2022 to 2023 tax year is 31 January 2024 but there are many benefits to filing earlier.
Self Assessment customers could take advantage of four key benefits when filing their tax return early, HM Revenue and Customs (HMRC) has revealed.
The Self Assessment deadline for the 2022 to 2023 tax year is 31 January 2024. Customers who file early will have more control over their financial affairs and beat the January rush.
The four benefits to filing early are:
- Planning: find out what you owe for the 2022 to 2023 tax year as soon as you have filed, which allows for more accurate financial planning
- Budgeting: spread the cost of your tax bill with weekly or monthly payments using HMRC’s Budget Payment Plan
- Refund: Check if you’re due a refund in the HMRC app once you’ve filed
- Help: you can access a range of online guidance and information to help you file your return and get help if you are unable to pay your bill in full by the 31 January deadline. You may be able to set up a Time to Pay plan
Myrtle Lloyd, HMRC’s Director General for Customer Services, said:
Customers who file their tax return early get to see exactly what they owe and have more time to budget, reducing the stress around Self Assessment.
Given that January is the busiest month for HMRC’s phone lines, I urge customers to check out the tips on filing your tax return early on GOV.UK and to consider doing so themselves.
There is lots of help and support available online:
- customers can access the new online tool to check whether they need to do a Self Assessment tax return.
- HMRC’s top tips for filing tax returns early can be found on GOV.UK.
- ask HMRC’s digital assistant to find information about Self Assessment. If they cannot help, chat live with an HMRC webchat adviser.
- access webinars and videos about Self Assessment
Customers need to be aware of the risk of falling victim to phishing scams and should never share their HMRC login details with anyone, including a tax agent, if they have one. HMRC scams advice is available on GOV.UK.
The Self Assessment helpline is temporarily closed and will reopen on 4 September 2023. Around two-thirds of all calls can be resolved by customers themselves online on GOV.UK.
Customers can ask for help from HMRC’s digital assistant or chat with a webchat adviser.
Latest News from
HM Revenue and Customs
It’s time to register for Self Assessment, says HMRC19/09/2023 11:10:00
Registering for Self Assessment is an essential requirement for people with an untaxed income.
Almost 430,000 young people urged to claim their cash18/09/2023 15:20:00
Hundreds of thousands of young adults could have an average of £2,000 waiting for them in their unclaimed Child Trust Fund account.
Families urged to boost their back-to-school budget with Tax-Free Childcare30/08/2023 12:15:00
With the new school term starting, HM Revenue and Customs (HMRC) is reminding families to open a Tax-Free Childcare account today to save up to £2,000 per child on their yearly childcare bills.
Phased approach to CDS export migration announced23/08/2023 12:20:00
An update on the implementation of the Customs Declaration Service (CDS) and the transition from the Customs Handling of Import and Export Freight (CHIEF).
One week left to extend Child Benefit claim for teenagers22/08/2023 15:20:00
Child Benefit automatically stops when children reach 16 but it can be claimed for children continuing their education or training.
Do you need to complete a Self Assessment tax return this year?15/08/2023 11:10:00
Taxpayers who are unsure if they need to submit a Self Assessment tax return can use HMRC's online tool to help them work out what they need to do.
HMRC late payment interest rates to be revised after Bank of England increases base rate07/08/2023 15:20:00
HMRC interest rates for late payments will increase following the Bank of England interest rate rise to 5.25%.
London landmark tax avoidance scheme named03/08/2023 09:05:00
A tax avoidance promoter based in The Shard has been exposed by HM Revenue and Customs (HMRC) with users warned to withdraw or risk large tax bills.


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When Tia Williams unearthed a rusty metal fragment during an excavation of a former Danish slave plantation in St. Croix this summer, she wasn’t sure what she’d found.It was a 19th-century Danish West Indies coin—one of the key finds discovered during a four-week field expedition that gave a select group of Howard University undergraduates hands-on archaeology experience.
“I was working some distance from the remains of the slave cabins, sifting by myself, when I found it,” recalled Williams. “I didn’t know it was a coin, but they were all excited. They told me it was really special.”
Williams seems to have a knack: She also found the remains of an 18th-century ceramic tobacco pipe that bore the mark of its Dutch manufacturer.
Williams was one of four Howard students who were part of a unique multi-university expedition funded by the UC Office of the President’s UC-HBCU Initiative, which is building partnerships with Historically Black Colleges and Universities (HBCUs). Organized by J. Cameron Monroe, associate professor of anthropology, the internship is part of a concerted effort to attract the “best and brightest” prospective graduate students to UC campuses, said Monroe.
“UC really needs these students—they’re bright, socially minded students who are interested in culturally relevant questions,” said Monroe, who is involved with several programs focused on diversifying the field of archaeology. “They’re going to go to graduate school at Harvard, Yale, Princeton—wherever they want. This is UC’s opportunity to try to attract them here.”
Williams and her classmates spent four weeks in the field—two students spent two weeks in Haiti with Monroe before joining their classmates and UC President’s Postdoctoral Fellow Justin Dunnavant in St. Croix. The internship included an additional week on campus, where they cataloged and analyzed some 2,000 artifacts they discovered. Each participant left UCSC with an ongoing research project they will pursue this …


As part of the removal and replacement of a steel railway bridge in Catford, South London, 70m3 of lightweight foamed concrete from Propump Engineering has been used to strengthen and stabilise hollow brick abutments to provide a solid support for the new prefabricated bridge.
Appointed to complete the bridge replacement over the Christmas holiday shut-down period, Osborne Civil Engineering required a mass-fill solution with a fast and straightforward application. To keep loadings on the ageing abutments to an absolute minimum whilst increasing the structure’s integrity, Propump’s 1100kg/m3 density foamed concrete proved ideal.
For the application, Osborne Civil Engineering first had to core drill through into the voids. With careful consideration to the integrity of the brickwork and regular checks to ensure the correct amount of concrete was used, Propump pumped the foamed concrete into each void to meet the required fill level.
Regularly used to fill underground voids, encapsulate pipes and create flat screeds, the fast and easy application of foamed concrete makes it ideal for traditional buildings and structures where space and time are at a premium. Foamed concrete is pumpable, self-compacting and can mould itself to the shape of any void.
With the project successfully completed within the strict two day timeframe, the bridge was in place and the train lines re-opened on Boxing Day morning. Thanks to Propump Engineering, high quality foamed concrete played a crucial role in the smooth, hassle-free and high quality bridge replacement at Catford Railway Station.« PROPUMP TURNS WATER INTO CONCRETE


Rng can refer to one of the following:
- Range; how far a weapon can attack from.
- Random Number Generator; the way in which it is determined if an attack will hit, if a critical will happen and various other parts of fire emblem.
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Achieving Your Belly Off! Boosts Your Brain
Just as being obese harms organs like your heart, your brain is also affected by the additional weight. However shedding the kilos can also reverse the damaging effects, according to a new study.
The obese women in the study showed had higher levels of “cerebral metabolic activity”— that is the rate at which the brain metabolises sugar. Scientists believe that the higher metabolic rate in the brain may be linked to higher risk of diseases such as Alzheimer’s.
The good news though, is that the effects seem to be reversible, according to the study. People in the study underwent bariatric surgery – a type of surgery, which either removes belly fat or shortens the distance food that food has to travel through the digestive tract.
The scientists found an improvement in their brain function and a reduction in the rate at which their brains metabolise sugar.
Surgery should be a last resort for trying to lose weight, instead why not join our Belly Off! Challenge.


Adult Face Mask - Blue Floral
ArchieBee face masks have been designed and perfected to fit on a wide range of faces. They are not made from a commercial pattern, rather have been developed and meticulously tested for the best possible fit and comfort levels.
Each mask is professionally sewn with a cotton outer layer, polyester non-woven inbuilt filter layers and pure cotton voile inner lining to be gentle on faces.
Our high quality, washable face masks also have a nose wire and adjustable elastic loops.
The colour of the elastic loops will match the colour of the inside cotton lining.
Standard adult face masks are designed to fit age 12+.
They are approximately 25cm wide (excluding elastic), with a nose to chin depth of 13cm.
Extra large masks are designed for those that need a bit of extra room, and are approximately 27cm wide (excluding elastic) and have a nose to chin depth of 17cm (great for beards).
Children's mask are also available and are made to order. These measure approximately 23cm wide (excluding elastic) and have a chin depth of 10.5cm. Please get in touch if you would like to order.
Face masks are not recommended for children under 3 years of age.
DELIVERY IS FREE THROUGHOUT AUSTRALIA, OR CONTACTLESS LOCAL PICKUP IN SPRINGWOOD, NSW, IS ALSO AVAILABLE.
We suggest treating your face mask like you would treat a bra. ;)
Hand wash with hot, soapy water and dry in the sun, or in a garment bag on a gentle cycle in the washing machine, to prevent damaging the nose wire.
Tumble drying is not recommended.
Masks should be washed every day.
Your face mask should fit snugly against your face and finish under your chin. When you put on your mask, gently bend the nose wire so it sits comfortably against the the bridge of your nose.
Elastic loops are made extra long, so you will need to shorten them accordingly for a good fit, by simply tying a knot, snipping off the ends and spinning the knot into the elastic channel.
Our masks have been specifically designed in this way, so you are able to feed your own elastic through the side channels if you would prefer the elastic at the back of your head, rather than behind the ears.
Please measure your face before purchasing, as due to the nature of these products we are unable to accept refunds.
These masks are not medical grade and will not prevent you from contracting COVID or any other air-born disease.


Nearly six months after suspending talks with Pakistan on the Indus river pact, India has agreed to participate in the next meeting of Permanent Indus Commission, which will be held in Lahore before March 31.
The Permanent Indus Commission is a bilateral commission of officials from India and Pakistan, created to implement and manage goals of the Indus Waters Treaty.
The announcement comes close on the heels of World Bank CEO Kristalina Georgieva visit to India, weeks after her visit to Pakistan.
After string of terror attacks in India, Prime Minister Narendra Modi held a meeting in September to review the treaty. “Blood and water cannot flow together”, Prime Minister had said referring to the state-sponsored terrorism by Pakistan.
Under the treaty, it is required that India and Pakistan meet every financial year. If we don’t, then it is going to be a violation of the pact. But there are chances we will meet for a day or two in the third or fourth week of this month,” government sources told PTI. The last meeting of the commission was held in May 2015.
Pakistan has registered its protest against the construction of Kishenganga and Ralte dams calling it a violation of the treaty.
Pakistan has firmly stated that it will not accept any alterations or changes to the IWT after India had said that it is ready to engage in further consultations with Islamabad on the matter of resolving current differences over the Kishenganga and Ralte projects under the treaty.
Islamabad has argued that India was buying time to complete its two disputed water projects and then insisting that since the project was already complete, it could not be modified.
World Bank had earlier asked both the countries to consider alternative ways to resolve their disagreements over the Indus Water Treaty Dispute 1960.


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Our brasserie offers an inventive cuisine made with simple but premium quality products.
On his menu you will find typical brasserie-style dishes such as hand-peeled shrimp croquettes, Italian-style tartare, Irish rib-eye steak, etc. as well as more elaborate dishes such as glazed caramelised suckling pig, veal chop, light potato purée, cider gravy or semi-cooked tuna, poppy/sesame seeds, celery remoulade.
In addition to the à la carte dishes, there is also a Bib Gourmand set menu at €39
(choice between 2 starters, 2 main dishes, selection of cheeses or dessert of the day) that can be ordered at lunchtime only.

domain: food


text:
Risk reward forex calculator
Forex Risk Reward Ratio Calculator is a small, simple, easy to use application specially designed to help you calculate the risk reward ratio of your trades.Trade Metatrader 4 charts with the new MT4 Push Button Trader for.
Did you know that there is a hidden risk reward ratio calculator in Metatrader.Risk and Reward Forex Calculator — The on-line calculator that will help you to find out the risks and rewards associated.The risk reward ratio is simply a calculation of how much you are willing to risk in a trade, versus how much you plan to aim.
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Article Summary: Before placing a trade, traders should look to contain their risk.First next forex teamforex calculator forex income engine forex. scalpers and ea traders manage the money next forex.
Risk Reward & Position Sizing - Trading Money Management » Learn To ...November 12, 2013 by Marc Walton. Watch those calendars carefully for news (I use Forex Factorys and you can find it.
Risk Reward Ratio Chart
Forex Risk ManagementDisclaimer: Trading forex on margin carries a high level of risk, and may not be suitable for all investors.
Bollinger Band Strategy - Moral ForexMoney Management in Forex: More Than Just Trading. every trader is actually looking at the reward to risk.
This Calculator will put things in perspective and will enable you to set goals in your trading.Forex risk reward calculator excel, binary options to learn how to make. posted on 08-May-2016 03:59 by admin.FXDD forex calculators to quickly chart your FX trading gains.
Risk Reward Chart
But do you stretch the stop loss or take profit points just to fit the desired ratio.
Position Sizing CalculatorWhen you are trading you should be very aware of your risk reward ratio and if this ratio is appropriate for your investment portfolio.
Forex Risk Management Strategies
Risk is the amount of money that you may lose in a trade when it hits its stop loss, and reward the amount of money you win when it hits its take profit.Foreign exchange (Forex) trading carries a high level of risk and may not be suitable for all investors.To be able to answer the "What is the right Risk Reward in Forex?" question, traders must understand RRR and Win-Rate correlation.If you give risk:reward the thought that it deserves you will soon understand just how powerful of a role it can play.

domain: economics


Phoebe Fawn in Feather DressHazel Village
As twilight falls on Hazel Village and the crickets of evening begin to chirp, the animal friends meet Phoebe Fawn in the field for orchestra practice, as she is the Village Orchestra concert master. Her instrument is the pan flute, which never goes flat, and which she says an industrious animal can play even if she has hooves.
She’s made of organic cotton fleece with a soft brushed flannel texture in a gorgeous rusty orange-brown, and adorable fawn spots on her backside. Her removable dress is organic cotton jersey in the softest mist blue, with a scrap of feather-printed muslin on the yoke.
- Ages: 6mo+
- Materials: Organic cotton fleece with polyfill
- Designer: Jane Van Cleef
- Care: Hand wash, air dry
- Dimensions: approx. 14in tall
- Origin: India
- Safety: Conforms to CPSIA


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We are now accepting EQIP 2023 Applications!
Producers in Tennessee who are interested in implementing conservation practices to improve natural resources on their farmland have until Friday, November 18, 2022 to submit their application for financial assistance through the Natural Resources Conservation Service (NRCS) Environmental Quality Incentives Program (EQIP).
EQIP is an incentives-based program that provides technical and financial assistance for conservation systems such as animal waste management facilities, irrigation system efficiency improvements, fencing, and water supply development for improved grazing management, riparian protection, wildlife habitat enhancement, and cover crops for soil resource protection.
Applications MUST be received at our Service Center by 4:00 p.m. on Friday, November 18, 2022.
For more information about the EQIP program or to request an application, please call us at (731)642-0761 Ext 3 or visit the NRCS website at

domain: agronomy


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Truss bridge treated with Termarust's (HR CSA) in 1995. This highway & rail truss bridge is still stable and there still is no active corrosion.


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Published on Mar 1, 2012
http://www.rightwingwatch.org/content... Cindy Jacobs says schools had no problems before the 1962 Supreme Court ruling banning school-organized prayer, and that the European Union is under a curse from God


text:
She turned, uttering an exclamation that came from nowhere.
She turned on the device and waited, uttering a cry of dismay when she saw the background.
During the rutting-season male camels become exceedingly savage and dangerous, uttering a loud bubbling roar and engaging in fierce contests with their fellows.
1908, for instance, he rebuked Lord Cromer for uttering grave words of warning, and ridiculed the bare possibility of an Anglo-German conflict in arms. Early in 1909 he had assisted Mr. Lloyd George in the Cabinet in his unsuccessful endeavour to cut down Mr.
In later years he did not shrink from uttering a word of warning and advice, when he thought that the master of the Florentine republic was too much inclined to yield to pleasure.
Hephaestus (or Prometheus) subsequently split open his head with a hatchet, and Athena sprang forth fully armed, uttering a loud shout of victory (Hesiod, Theogony, 886; Pindar, Olympia, vii.
By uttering a sacred formula the good spirit throws the evil one into a state of confusion for a second 3000 years, while he produces the archangels and the material creation, including the sun, moon and stars.
Vii.) uttering a strong protest against certain false teachers (probably the followers of Cerinthus).
The names of the species, both English and scientific, have been bestowed from its capacity of successfully imitating the cry of many other birds, to say nothing of other sounds, in addition to uttering notes of its own which possess a varied range and liquid fullness of tone that are unequalled, according to its admirers, even by those of the nightingale.
In the Book of Wisdom, again, the composition of an Egyptian Hellenist, who from internal evidence is judged to have lived somewhat earlier than Philo, Solomon is introduced uttering words of admonition, imbued with the spirit of Greek philosophers, to heathen sovereigns.
He took a prominent part in the agitation which followed "the Bulgarian atrocities"; his speeches were intemperate, and he was accused of uttering the words "Perish India!"
For many of the actions of that government no honorable man can think of uttering a word of defence.
There sat the thorny Sorcerer in his chair of state, and when the Wizard saw him he began to laugh, uttering comical little chuckles.
Dorothy sprang forward and caught the fluffy fowl in her arms, uttering at the same time a glad cry.
Prince Bagration, uttering his words with an Oriental accent, spoke particularly slowly, as if to impress the fact that there was no need to hurry.
On the Pratzen Heights, where he had fallen with the flagstaff in his hand, lay Prince Andrew Bolkonski bleeding profusely and unconsciously uttering a gentle, piteous, and childlike moan.
Helene laughed, "that Dolokhov was my lover," she said in French with her coarse plainness of speech, uttering the word amant as casually as any other word, "and you believed it!
Pierre looked at that aged, stern, motionless, almost lifeless face and moved his lips without uttering a sound.
He was knocking the back of his head against the floor, hoarsely uttering some word which he kept repeating.
A sovereign should not be with the army unless he is a general! said Napoleon, evidently uttering these words as a direct challenge to the Emperor.
When he came to himself he was sitting on the ground leaning on his hands; the ammunition wagons he had been approaching no longer existed, only charred green boards and rags littered the scorched grass, and a horse, dangling fragments of its shaft behind it, galloped past, while another horse lay, like Pierre, on the ground, uttering prolonged and piercing cries.
There were only thoughts clearly expressed in words, thoughts that someone was uttering or that he himself was formulating.
The cart was loaded high, and at the very top, beside a child's chair with its legs in the air, sat a peasant woman uttering piercing and desperate shrieks.
Pierre was silent because he was incapable of uttering a word.

domain: literature


text:
Although a draft law on added income tax in the oil industry has been submitted to the Government, its fate still depends on the dispute between the Ministry of Finance and Rosneft on tax incentive
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domain: finance


text:
ARLINGTON, Texas — The Mets are learning that their expectations were probably too high. After having three pitchers come back from season-ending surgery, the Mets are realizing that they were probably a little too optimistic about their abilities to bounce back.
"I'm learning a lot of things on guys after having surgery," Terry Collins said. "They get the clearance and it's like 'hey, they're back, they're going to be OK.' Well it just tells you how hard it is to pitch, that how special these guys are when they were healthy because they're battling through things that maybe took longer than we expected. It's like any other thing in the health world, some guys heal faster than others and maybe we're not getting back as fast as we hoped."
That was evident Tuesday night when Jacob deGrom failed to get into the fifth inning for the second straight start — a first in his career. Coming off surgery to his ulnar collateral ligament, deGrom has fought this year to return to his mechanics. Matt Harvey, coming off Thoracic Outlet Syndrome surgery, has not rediscovered his form yet. Zack Wheeler is finally finding his after a two-year rehab from Tommy John surgery.
The Mets staff went into Wednesday night's game against the Rangers at Globe Life Park with the worst ERA in baseball at 5.01. As a group, the starters were the third worst with a 5.16 ERA.
Collins and pitching coach Dan Warthen have decided they have to go back to basics.
"We're learning right now that it's about the preparation of going out each and every night and Dan and I have talked at length about making sure from the time they pitch, the next time they pitch, we think we need to back them down, we back them down, if we need to really focus on something … that we think will help them out, we do it," Collins said. "We've got to coach. It's time to coach."
NOT ALL PITCHING
The Mets are ranked 27th in defensive runs saved this season and struggling to pick up their struggling pitching staff. Noticeable has been the drop off of shortstop Asdrubal Cabrera, who is a -7 DRS this season.
"I've said it before last year when the ball was hit to Asdrubal Cabrera, you were out. I think there are slumps defensively like there are offensively," Collins said. "This guy does the same approaches he's had forever, they don't miss a day doing their defensive drills they're just not making some plays."
Cabrera, who had seven errors at shortstop in 134 starts last season, has eight errors in 37 this season.
While Collins said he did not know of any difference in the Mets' defensive preparations this season, there is obviously the loss of Tim Teufel. The former Mets second baseman dedicated his time to working with infielders, working on positioning and defense. The Mets decided to replace him as third base coach this winter with Glenn Sherlock, whose coaching duties are focused on the catchers. That has clearly made a difference for d'Arnaud, who made his third straight start Wednesday, but could it possibly be costing the rest of the defense?
DOTS ALL FOLKS
Seth Lugo (torn UCL) and Steven Matz (elbow discomfort) threw their first bullpen sessions for Warthen Wednesday.
"They hit their spots, their mechanics looked good, they repeated their deliveries," Warthen said. "From what I could see today, I hope we will see from them what we saw last year."


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13 Apr Dimitsana & Stemnitsa Villages Day Tour
Posted at 15:42h in Private Tours
Dimitsana & Stemnitsa traditional Villages Tour from Loutraki & Corinth area
Arcadia region, a place of unique nature and spirituality. Join Dimitsana & Stemnitsa Day Tour and discover Greek nature combined with modern history.
Mythology holds that Arcadia was home to the God Pan, the god of the wild, fields, groves and wooded valleys. In this virgin land rich in forests, nymphs and spirits, the natural and the supernatural coexisted harmoniously.
- Dimitsna Village
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For More Info Click HERE


What would a gold-plated Cadillac health care plan look like to you? By the sound of it, you might think it’d cover such superfluities as annual trips to Swiss medical spas, cosmetic surgery on demand and weekly thermal seaweed wraps.
Alas, that appears to be far from the case. As the New York Times reported last week, municipal unions across the country are facing pressure to accept worse health care plans, before the so-called “Cadillac tax” on expensive health care plans kicks in in 2018. Not surprisingly, workers are displeased with the prospect of being downgraded to inferior plans with more out-of-pocket spending.
Before concluding that such luxurious plans are the sole preserve of supposedly greedy city workers, keep in mind that by the estimate of one health economist, as many as 75 percent of employer health plans could fall under the “Cadillac” umbrella over the next decade. Reasonably good insurance – you know, the kind that covers all of your medical needs, without making you pay an arm and leg out-of-pocket every time you need to use it – has stealthily become the new Cadillac. However much the reputation of General Motors may have fallen in recent years, this seems like a bit of a stretch.
A reasonable observer might be enticed to ask: What on earth is going on here? From whence came this health care Cadillac?
To begin, the nationwide trend towards lower-value health insurance – now enshrined in law in the form of the Cadillac tax – is not, contrary to appearances, some newfangled, desperate cost-saving measure. On the contrary, limiting the scope of employer-based health insurance has been a dream of health policy wonks for decades.
The academic taproots of the idea stretch at least back to the year 1968, with the publication of the economist Mark Pauly’s highly influential paper “The Economics of Moral Hazard” in the American Economic Review. “The effect of an insurance which indemnifies against all medical care expenses,” Pauly wrote, “is to reduce the price charged to the individual at the point of service from the market price to zero.” As a result, “no individual will be motivated to restrain his own use … since the incremental benefit to him for excess use is great, while the additional cost of his use is largely spread over other insurance holders.” Although others had made note of this phenomenon previously, Pauly’s contribution was to calculate the loss to society as a result of this “excess use,” which he found to be quite substantial.
Thus was the idea of health care “moral hazard” born, otherwise known as the doctrine of: “it’s included, so we might as well take it!” We could also more colloquially label it the “salad bar” hypothesis.
From “moral hazard,” in turn, came the idea that that the fundamental, “original sin” of the American health care system was not our failure to enact universal health care, but was instead our creation of a system of tax-favored, overly generous employer-based insurance. Several years after the Pauly paper, along this line of thinking, the prominent economist Martin Feldstein – future chief economist of the Reagan administration – would argue in another important paper that “American families are in general overinsured against health expenses,” and that the right medicine was more deductibles and coinsurance.
It was not until the early 1980s, in the face of persistently rising health care costs, that this academic concern for “moral hazard” began to hit the pocketbooks of Americans: Between 1982 and 1984, for instance, the percentage of insurance plans requiring some deductible for hospitalization more than doubled, from 30 percent to 63 percent. During the 1990s, on the other hand, the central importance of “cost sharing” was sidelined as corporatized “managed care” took central stage, and insurance companies sought to decrease costs (and thereby increase profits) by limiting care on the supply side.
But with the widespread revolt against managed care in the late 1990s (and with health care costs continuing to rise in spite of it), “moral hazard” again became a prime target for “reform.” The solution was in line with the recommendations of Pauly and Feldstein – higher deductible insurance. President George W. Bush’s 2003 Medicare prescription drug law gave us the “Health Savings Account” (HSA) – a tax-free account that could be used for out-of-pocket medical expenses, but which had to be attached to a high-deductible insurance plan. “Consumer-driven” health care plans – not much more than high-deductible plans with the capacity to be coupled with an HSA – quickly became all the rage.
Yet even for those outside these new plans, cost-sharing soared over the decade. Copayments for expensive drugs skyrocketed, sometimes to the tune of hundreds or thousands of dollars, while the percent of employer plans with $1,000 deductibles (or more) tripled.
But this was not enough – the alleged culprit for our continuously rising health care costs was still that dreaded “moral hazard.” Once you paid for the salad bar, after all, why not heap on larger and larger portions of colonoscopies, all-nighters in the emergency room or chemotherapy infusions? By 2008, John McCain was essentially centering his entire health care platform on the vilification of those “gold-plated Cadillac plans,” as he called them, which covered, among other things, such absurdities as “transplants.”
And in 2010, despite opposition from House Democrats and organized labor, a somewhat limited but still highly controversial “Cadillac tax” made its way into the Affordable Care Act, creating a 40 percent excise tax for family plans valued at greater than $27,500, or individual plans greater than $10,200.
The Age of the Cadillac, it seemed, was finally coming to a close. Health care “consumers” would now have to play with their own damn money. A golden age of improved quality and reduced costs was about to dawn.
Unfortunately, however, we didn’t live happily ever after.
For over these very same years, the idea that we were a nation “overinsured” began to collide with several lines of hard evidence. First, the very existence of a large societal net loss from “overinsurance” was called into question in the academic health economic literature, most prominently by the economist John Nyman. Nyman argued that while there may be some cost to moral hazard, it was far smaller than what Pauly, Feldstein and others had calculated. We use more health care when we are sick, he demonstrated, not because health care becomes free, but because we gain “income” in the form of insurance transfers, which we rationally use to pay for “otherwise unaffordable procedures.”
Second, there was an accumulating body of data in the academic medical literature suggesting that “underinsurance,” not “overinsurance,” was the more serious problem facing Americans. More and more families were seeing higher and higher percentages of their family income consumed by their health care service burden and by out-of-pocket medical expenses. In fact, we were increasingly going bankrupt as a result of our health care expenses – according to one study, in 2007 62 percent of all bankruptcies had a medical cause, despite the fact that in a majority of those cases, those going bankrupt actually already had health insurance. Not much evidence for “overinsurance” in that department, either.
And looking at the problem from another angle, it became increasingly appreciated that the rise in deductibles, copays and coinsurance was having significant effects on our very health. As I described in a recent article, there are clear downsides to becoming “Copay Country.” There is evidence, for instance, that cost sharing may increase the risk of death for the most vulnerable, perhaps because it reduces expenditure on both “inappropriate” and “appropriate” care. In one recent experiment that randomized patients to copays or to full coverage for prescriptions after they suffered heart attacks, those with full coverage took their medications more regularly – and had less strokes and other cardiovascular complications as result. And all told, there was still no overall increase in cost, either way.
Yet, in the face of this growing body of solid evidence, we simply continue to hear more and more about how patients (apologies, “consumers”) need to have more “skin in the game” – as if having their physical hearts, lungs or – in some instances – their skin on the line wasn’t enough already.
So don’t be surprised if you find, in the coming years, that your semi-reasonable-quality heath insurance – perhaps won through hard-fought negotiation, or maybe earned in exchange for lower pay or other benefits – somehow transforms itself into a taxed "Cadillac" plan. From the perspective of much of the health policy establishment, you’ve had it too good, for too long, already. And however nice it might sound, they say we simply can’t afford truly universal health care, with comprehensive benefits for all and with little or no cost sharing (even if other industrialized countries magically manage to do so, at a lower price, and with better results).
Instead, it’s time we tightened our belts, stopped our whining and traded in our Cadillacs, or – depending on which metaphor you find less loathsome – that we finally got off of the salad bar.


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Gosa et al. (1997) reported that Polish caraway oil normally contained limonene (45.6 percent) and carvone (49.3 percent) as major constituents. Braun and Franz (2001) examined four samples of caraway oil that were available commercially in Germany. In these samples, the myrcene (0.19-93 percent), limonene (39.44-48.16 percent) and carvone (48.83-55.07 percent) contents varied. Although DAB standards in Germany state that the amount of (4R)-(-)-carvone should be less than 1.0 percent in genuine oil, the authors found that two of the oils possessed levels of (-)-carvone of 5.19 percent and 3.23 percent, respectively, indicating that these two commercial oils were adulterated.
Bailer et al. (2001) determined the oil yield and composition of selected major oil components from the seed oils of 11 cultivars of caraway available in Austria. The results of this study can be found in T-1.
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domain: chemistry


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Uk news Delivery driver who ploughed into boy, 4, and sped off hands himself into police PremierLeague-News.Com
PremierLeague-News.Com - Little Luca Davies was on a day out with his 18-year-old cousin Ellee Gowin, 15-year-old cousin Neve, and three-year-old sister Lois when he was struck by the delivery rider in Cardiff.
PremierLeague-News.Com - Breaking Sport Transfer News ! A delivery rider who ploughed into a four-year-old boy has handed himself into police. Little Luca Davies was on a day out with his 18-year-old cousin Ellee Gowin, 15-year-old cousin Neve, and three-year-old sister Lois when he was struck by the delivery rider in Cardiff on May 1. Mum Georgia Harvard, from Abercarn, says the the rider took off after hitting the youngster, who has been left both mentally and physically scarred from the ordeal. Read More Related Articles Parent's horror as baby covered in glass after brick launched at train window Read More Related Articles Car flips onto roof in horror crash on Ayr street The parent added that while she was sympathetic to the rider and knows that accidents happen, she was upset by the rider's actions following the crash. Speaking to WalesOnline, Georgia said: "I get accidents happen. I'm not going to be a person and stand here and say accidents don't happen because they do but he should have stopped. "I'm at the point where I don't really want to let them go with anyone else because of my anxiety.
News source = PremierLeague-News.Com
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Now South Wales Police have reported that the rider, a 21-year-old man from the Swansea area, has handed himself in to the police. Additionally he has now had the opportunity to apologise to the family. A spokesman for the force shared: "He has written a letter to apologise to the mum and her little boy. Enquiries are ongoing." Don't miss the latest news from around Scotland and beyond - Sign up to our daily newsletter here. READ NEXT Concern growing for Perth man missing since February as police issue CCTV images Man arrested after house fire closed down two streets in Inverness Car flips on to its roof as emergency services race to busy Ayrshire road
Source = PremierLeague-News.Com


Smartphones now the standard among Finns
The share of smartphones out of all handsets used by Finns increased to 60 per cent in 2014 from 53 per cent in 2013. Out of the fifteen most popular handset models in Finland, twelve are smartphones, and Apple’s iPhone 4S smartphone overtook Nokia’s C2-01 standard model as number one on the list. This is all according to a mobile handset population study conducted at the Aalto University Department of Communications and Networking.
– The rise of this smartphone model to the top of the list makes it the new “standard phone”, points out Professor Heikki Hämmäinen.
– The basic concept of the smartphone has now established itself, and the development of its features will mainly focus on quality. New device features will mostly be related to sensors. The most recent basic concepts, such as the smartwatch and smartglasses, are still such fledglings that they are barely detectable in our data.
The race of the big three
Apple, Nokia/Microsoft and Samsung still dominate the handset manufacturing market, with a 92 per cent combined share of all devices currently in use. The share of Nokia/Microsoft fell to 55 per cent (63 per cent in 2013) and that of Samsung increased to 26.5 per cent (20 per cent in 2013), while Apple maintained its position at around ten per cent.
– The most popular smartphone operating system is still Android, whose share has risen to 25.5 per cent (17 per cent in 2013) out of all mobile handsets. The second most popular system is Windows (16 per cent), followed by Apple iOS (10.5 per cent). The popularity of the Symbian system by Nokia has continued its decline, says the person behind the study, Doctoral candidate Alexandr Vesselkov.
Touchscreens are steadily becoming more popular. The share of touchscreen handsets increased from 51 per cent to 58 per cent. Their share has especially been boosted by the demand for four-inch displays and upwards.
The latest technological generation in wireless data transfer, 4G/LTE, has gained users more quickly than any of the previous generations.
The latest technological generation in wireless data transfer, 4G/LTE, has gained users more quickly than any of the previous generations.Almost one in five handsets currently in use has a LTE feature.
The material for the study was collected in cooperation with Finnish mobile network operators. The handset models’ feature data was provided by GfK Finland as well as public sources. The material covers 80–99 per cent of all devices using mobile networks during the end of September 2014.
Aalto University has been involved in longitudinal research on handsets and the spread and life cycle of their technologies since 2005.
To view the Mobile Handset Population in Finland 2005-2014 study, click on this link http://materialbank.aalto.fi:80/public/5d85f2fec85F.aspx (pdf).
Further information, please contact:
Doctoral candidate Alexandr Vesselkov
Tel. +358 (0)50 434 2879
Professor Heikki Hämmäinen
Tel. +358 (0)50 384 1696


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Very addicting. Many ads with little variety is a deal breaker.
Does exactly what it says on the tin
I love the game and I am willing to pay each month for vip but only if the bug is fixed. The bug I am talking about is I watch the videos to earn tickets for the tournament but half the time they are so delayed or I don't get the ticket and have to wait for the next video to be ready. Please fix this because I love the game but I won't pay if this keeps happening I probably have lost at least 20 to 30 tickets already.
I deleted this app after my 3 month streak of rewards was terminated for apparently missing a day. I played this app for the last 3 months and never missed a day. They were wrong for saying I did and asking me to continue my streak for just 3 dollars. No thanks!
Great game! Previously stopped playing due to the amount of ads but they've died down a bit and they're bearable now so 5*. Wish they'd bring back the cartoon album cover graphics though!
I really love this game. The only thing I would change is the screaming sound when you get something wrong. It's really annoying 😒 and takes away from you hearing the next song. Other than that the game's amazing.
SongPop’s 5th Anniversary is almost here! The game has never been better and we aren’t slowing down one bit.
Our 2.7 update brings major changes to the way playlists work and big improvements to VIP!
-We are switching from a weekly batch of new playlists to a new playlist every day including themed days of the week! (starting in June)
-Introducing “Playlist Re-Release”! We will begin updating old popular playlists and re-releasing them complete with mastery races and rewards one at a time.

domain: hobby


Everyone should have an instrumental post-rock phase. Typically it will happen in college. Typically it will be Explosions In The Sky or Godspeed! You Black Emperor, depending on whether you possess a preference for the dreamy and astral or the dramatic and moody. But do not deny yourself an instrumental post-rock phase. If anything, make it your one cultural venture into orchestral territory.
For many in the early Aughts, it was Texas band My Education who's discography spans the height of the instrumental post-rock era and beyond. My Education's 5 Popes record is a staple in the genre, one that due to the dark ages of CD pressing was never released on vinyl. The request has lingered with fans for over a decade and next month Beat Imprint will answer the call with a reissue that includes remastering and bonus track, “Thanksgiving”.
Originally left off 5 Popes, “Thanksgiving” is a somber drift through sedative piano stabs and the wash of reverb. There is no rush to My Education on “Thanksgiving” as the group enter bridges that encourage the listener to pursue an inner peace within the composition. It cannot remain this way though. Like all good post-rock, there's also the experimental tradition in which the band disarms the listener so that it may shatter their catharsis with a magnificent crescendo. And that's why people cry at My Education shows.
My Education's 5 Popes is out February 4 on Beat Imprint.


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Geneva Lake region – French-speaking Switzerland with an international flair.
Home to around 1.2 million people and the two urban centres of Geneva and Lausanne, the Geneva Lake metropolitan region is one of the largest in Switzerland. Huge economic development is currently underway in the area. Here, SBB is implementing its largest real estate projects outside of Zurich by investing in attractive rental properties and shopping facilities. Geneva in particular has a strong international influence and thanks to this and the new LEMAN Express rail network is experiencing ongoing growth in its population and the number of people travelling through the city. In addition to a public transport platform, the development work in Geneva is creating new living spaces, a business and public facilities centre and jobs.


Europeans labored Friday to restore services across the continent after hurricane-force winds knocked down trees, brought down power lines and damaged buildings, killing at least 41 people and disrupting travel for tens of thousands.
Berlin's new main train station was shut down after a two-ton girder fell from the side of the glass facade onto an outdoor staircase. The train station was evacuated after the beam plummeted 40 meters (130 feet) Thursday night, but there were no injuries.
"I can see maybe the glass falling, but not the steel," said 38-year-old electrician Thomas Mueller, who had stopped by the downtown station to survey the damage. "They just built this thing eight months ago."
Virtually the entire German national railway system was shut down during the storm, with trees over many tracks and overhead power lines down, and services were being restored gradually Friday.
"We've never had such a situation in Germany," Deutsche Bahn CEO Hartmut Mehdorn said.
Tens of thousands were left without power in Germany, Poland and Austria, and more than 1 million homes had no electricity in the neighboring Czech Republic, which was hit by winds of up to 180 kph (112 mph).
The storm led to the deaths of at least three people in the Czech Republic, 10 in Germany, 13 in the United Kingdom, six in the Netherlands, one in France, two in Belgium and six in Poland.
Most of the people killed were motorists, but in Germany they also included two firefighters one hit by a falling tree and the other dying of a heart attack and an 18-month old infant in Munich hit by a terrace door that was ripped from its hinges.
In London, a toddler was killed when a brick wall was knocked over by the wind and collapsed on him.
As winds calmed Friday, airports reported some delays and cancellations but in general a return to normalcy.
Frankfurt Airport reported that flights were again departing regularly after some morning delays and 200 cancellations Thursday.
National carrier Lufthansa canceled 331 flights Germany-wide on Thursday, affecting nearly 19,000 passengers, but intercontinental flights were largely on time again Friday, spokesman Thomas Jachnow said.
British Airways canceled 34 incoming flights to London's Heathrow and Gatwick airports and the two main London to Scotland rail routes ran much-reduced services.
Eurostar was running full service again, after one early Paris-to-London train was canceled. Meanwhile, London Bridge train station was reopened after being closed after part of the station's forecourt roof collapsed.
British train companies warned of delays through the day as repairs were carried out.
Thousands of Dutch commuters were stranded overnight when the railroad service suspended all trains because of obstructions to the tracks and downed power cables.
By early Friday, trains were running again in most of the country after engineers worked through the night to clear tracks and repair the power cables, Prorail, the company that manages Dutch railroads, said in a statement.
In Germany, subways, trams and buses were largely back in service, but only a few long-distance trains were running.
"Bringing the service back is like a puzzle it goes bit by bit and we're now at the first pieces," railway spokesman Martin Walden said.
Track-clearing work was expected to last at least through the day, and passengers were advised to cancel all unnecessary trips, reports AP.
The German Weather Service said the storm was the strongest to hit the country since 1999. The highest winds were felt in the southern state of Bavaria, where gusts of up to 202 kph (126 mph) were recorded.
Schools around much of the country, which had closed early on Thursday, resumed classes, though those in Bavaria and parts of Hesse and Lower Saxony remained shut down, largely because of problems transporting students.
Volodymyr Zelensky gave an unexpected order to build the "Zaluzhny line” similarly to the "Surovikin line”. Will it save the Armed Forces of Ukraine from defeat?


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Tom Dougherty, CEO – Stealing Share
23 October 2017
Remodeling Target stores a tiny step that does little
Cheers for more Target stores! Or at least, that encompasses the remarks by Target CEO Brian Cornell at a media event last week. Target spends part of its $7 billion of investment in reviving its business, remodeling 70 stores already and planning 325 more.
Cornell says the remodeled stores see a sales boost, so the retailer is empowered to remodel more. Sounds like a wise investment, yes?
Well, not really. Target stores need remodeling, without question. Everything about the stores feels outdated. They look junky, and no longer hold the idea that they are more chic than main competitor Walmart.
So, yeah. Target should remodel its stores. But that’s not going to revive the lost brand. Walmart is buying up startups in technology, retail and digital because it rightfully sees its main competition as Amazon, not Target. In fact, its stated goal is to become an online mall, looking to be more efficient than Amazon.
“In fact, Target should reconsider more than remodeling its stores. How about rebranding its brand?”
The brand needs more than just remodeled Target stores
That’s an interesting war to watch. But focusing on remodeling Target stores and even adding 100 more is still out-of-date thinking. The retailer finds an uptick in sales as reason enough, but it’s not a long-term strategy.
To be fair, most of the new stores will be smaller format ones in urban areas and near college campuses. Adding the usual big box stores would really be disastrous. Too many of them are becoming very expensive billboards. That most people ignore.
No, it seems Target lags behind in the changing retail landscape. Sure, it’s using Target stores as hubs for shipping items. So it does have something of an online presence. But Amazon and Walmart are gonna crush Target eventually. They are way ahead.
Remodeling Target stores, fine. Using some of that $7 billion to work with the kinds of tech companies Walmart is would be smarter. Even better, Target must invest in its brand. It has become meaningless. What does the Target brand mean beyond the table stakes of the category? It means nothing, because Target has yet to understand that an emotional brand is how you create long-term preference.
In fact, Target should reconsider more than remodeling its stores. How about rebranding its brand?
Stihl Tom Dougherty, CEO - Stealing Share 20 November 2018 Finally, a leaf blower that works: Stihl I love autumnal weather. The temp is perfect, the scent is crisp and the colors are brilliant. But dang it, if I can't stand anything, it’s managing leaves strewn...
Hardees brand Tom Dougherty, CEO - Stealing Share 19 November 2018 The tragedy of the Hardees brand What has happened to the Hardees brand? A few weeks ago, I wrote that the new ad from Carls Jr (Hardees western US partner) was simply an amusement for those at...
Walmart delivery Tom Dougherty, CEO - Stealing Share 15 November 2018 Walmart delivery idea represents a great opportunity Buried deep inside a report that Ford and Walmart delivery are teaming up sits an interesting tidbit. The service, now in pilot stage in...