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Shopping for home insurance in Saint Helena Island, SC doesn’t have to be difficult. Simply enter your Zip Code at the top of this page and you will be presented with the list of the top recommended insurance companies in your area. Compare quotes from these carriers and you will be on your way to saving on your homeowners coverage premium.
When it comes to homeowner’s insurance in Saint Helena Island, SC, there are quite a few different factors that can affect how much you have to pay. Understanding what these factors are can give you a better idea of how South Carolina insurance companies come up with the quotes that they give you.One factor that affects homeowner’s insurance quotes is the area where you live. For instance, some parts of the country are particularly prone to severe storms and other potentially dangerous situations. In these areas, you may have to pay more for homeowner’s insurance than you would in an area of the country that was less risky.
The same holds true for areas that have particularly high crime rates. If you live in an area where there are a lot of robberies or break-ins, you may have to pay more for your insurance than someone who lives in an area that has a lower crime rate.
The overall value of your home also comes into play when figuring out how much you will have to pay for homeowner’s insurance. Generally, the more valuable your home, the more money you will have to pay to insure it. This is because expensive homes cost more to repair or replace than lower cost homes.
The deductible that you choose for your policy will also affect your rate. A policy with a higher deductible will generally cost less than one with a low deductible. Although the thought of a lower monthly payment may be appealing, make sure that you have the money on hand to meet your deductible in case anything goes wrong. Otherwise, you could be left in a bind with no way to repair your home.Interestingly, the distance of your home from the nearest fire hydrant can also come into play when determining how much you have to pay for insurance. Insurers tend to prefer homes that have a fire hydrant nearby. This helps ensure that first responders can act quickly in the event of a fire, helping to minimize damage as much as possible.
All of these factors come into play when getting Saint Helena Island, SC homeowner’s insurance quotes. If you want to keep your costs as low as possible, consider choosing a policy with less coverage or with a higher deductible. Just make sure that you fully understand how these decisions will affect you if you ever need to file a claim. You may find it more beneficial to go for a policy that offers more coverage or a lower deductible so that you don’t have to come up with a lot of money on your own if something does eventually happen to your home.
To get the best savings on your Saint Helena Island, South Carolina coverage for your home, make sure to use our comparison tool. Enter your Zip Code below and get the list of the best South Carolina insurers.
More Info and Tips for Saint Helena Island, South Carolina
If you are sensation a bit nervous about receiving a house owner's insurance coverage policy, you usually are not by itself. There are thousands and thousands of other house house owners out there that really feel just like you as this is very important protection that is essential to defend your house and home from decline. Make positive you are starting up with tips like these ahead of you commence searching.
Reduce your homeowner's insurance by seeking for insurance organizations that supply special discounts to consumers who have multiple policies. A lot of insurance coverage organizations supply special discounts of up to 10 % or much more, so be positive to store about until finally you discover the ideal deal. This can permit you to save on two or more diverse policy rates.
Homeowner's insurance coverage shouldn't be up for consideration, you ought to go out and get it. You could lose every little thing, in the function of an emergency, without this insurance policies. Insurance may possibly be a necessity if you are mortgaging your residence.
You can preserve hundreds of pounds and years of payments by producing your mortgage loan payment on a bi-weekly basis, alternatively of month to month. Ask your home loan holder about placing you up on this payment software. Considering that there are 52 months in a year, you will conclude up making an extra pair of payments with no breaking the bank or your spending budget.
If you want to be certain your house and possessions are lined in the function of a flood, the time to acquire flood insurance coverage is not the moment it commences to rain. Most flood insurance policies strategies will not include flood injury incurred in the 1st thirty times of obtain, so you need to have to make that get in touch with these days, relatively than putting it off.
Choose a policy that contains "confirmed replacement worth". You don't want to stop up in a trailer rather of a property comparable to the one you have been paying out for, for several years. It will go over the fees related with getting a home that is like the preceding 1 in the occasion it is wrecked.
Smoke alarms can assist you save on your house owners insurance policies premiums. With installed smoke alarms, you can conserve around 10% or a lot more on your once-a-year property owners insurance coverage premiums. It is possible that if you insert much more smoke detectors, your insurance policy agent will further price reduction your policy. Will not forget to explain to your agent about your smoke alarms.
A larger deductible on your homeowner's insurance coverage can conserve you income on rates. Even though a greater deductible may mean that you will be responsible for little fix expenses these kinds of as broken windows, far more frequently than not these charges are balanced out by the personal savings you will get on your yearly rates.
Keep your homeowners insurance coverage policy up to day. If it's been a few many years because you obtained your coverage, you may well be below insured. If you've made enhancements to your house, your plan might not reflect the elevated worth. Developing charges have gone up as well, so overview your policy yearly, and if needed, make modifications to be adequately lined.
When you obtain a new residence, you are creating a large investment that ought to be secured. The most logical security you can provide for your new home is a strong insurance coverage plan that will consider care of it, but you need to make confident you're being sufficiently lined. Use the tips shared listed here and you can get the coverage that's proper for you.


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Coconut oil has become increasingly popular as a natural remedy for various health issues, not just for humans but also for dogs. Many pet owners have turned to coconut oil as a supplement for their furry companions, but is it safe and effective? In this article, we’ll answer some common questions about using coconut oil and discuss the benefits it can offer.
Is It Okay to Give Dogs Coconut Oil?
Yes, in moderation, coconut oil is safe for dogs to consume. It’s a natural product that contains healthy fats, which can benefit your dog’s overall health. However, it’s essential to remember that coconut oil should be given as a supplement, not a replacement for your dog’s regular diet.
How Much Coconut Oil Can I Give My Dog?
The amount of coconut oil you can give your dog depends on size and weight. Generally, starting with a small amount and gradually increasing the dosage over time would be best. For small dogs, start with 1/4 teaspoon per day, while larger dogs can have up to 1 tablespoon per day. However, if your dog has an underlying health condition or is on medication, it’s best to consult your veterinarian before introducing any new supplement to their diet.
What Are the Benefits of Coconut Oil for Dogs?
Coconut oil contains lauric acid, a medium-chain fatty acid with several health benefits for dogs. Here are some of the benefits that coconut oil can offer:
1. Promotes Healthy Skin and Coat
Coconut oil is an excellent source of essential fatty acids necessary for healthy skin and coat. It can help to moisturize dry skin, reduce flakiness, and improve the overall appearance of your dog’s coat.
2. Boosts the Immune System
Lauric acid has antimicrobial and anti-fungal properties, which can help to fight off harmful bacteria and viruses. Coconut oil can also help to boost your dog’s immune system and protect against infections and diseases.
3. Aids Digestion
Coconut oil can help to improve digestion and prevent digestive issues such as constipation and diarrhea. It also contains anti-inflammatory properties that can reduce inflammation in the gut and soothe digestive discomfort.
4. Supports Brain Function
The medium-chain fatty acids found in coconut oil can cross the blood-brain barrier and provide a source of energy for the brain. This can help to improve cognitive function and reduce the risk of neurological diseases.
Can Coconut Oil Help Dogs with Itching?
Yes, coconut oil can help to soothe itchy and irritated skin in dogs. It can be applied topically to dry or inflamed areas of the skin, providing relief from itching and reducing the risk of infection. However, it’s essential to remember that coconut oil should not be used as a substitute for proper veterinary care. If your dog has a persistent or severe skin condition, consult your veterinarian before using home remedies.
Noah’s Ark Coconut Oil for Dogs
If you’re looking for a high-quality coconut oil supplement for your dog, consider Noah’s Ark Coconut Oil. This brand is specifically formulated for pets, using only organic, non-GMO, and cold-pressed coconut oil. It’s rich in lauric acid and other essential fatty acids, making it an excellent choice for promoting healthy skin, coat, and immune systems in dogs.
In conclusion, when used in moderation, coconut oil can be a beneficial supplement for dogs. It can offer several health benefits, including promoting healthy skin and coat, boosting the immune system, aiding digestion, and supporting brain function. Remember to start with a small amount and gradually increase the dosage, and always

domain: medical


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Do not worry about changing your family's travel itinerary, as we do not charge additional cancellation fees for almost all of our bookings.
Moscow, the country's capital city, is located 1,600 mile to the west of Krasnoselkup.
If you're not the kind of traveler to go on a vacation just to put your feet up, you're in the right place. Outdoor activities like mountain climbing and hiking are sure to get your blood pumping.
The Yamalo-Nenets Autonomous Okrug region provides tourists with a number of stress-reducing activities in the great outdoors, such as shore fishing and bird watching.
If the weather is good during your time here, jump into the water! Canoeing and boating are two ways the locals make a splash!
The Krasnoselkup region is the perfect place to go outside and participate in some great winter activities. When the air gets frosty, grab your snow gear and try skiing or cross-country skiing.
Weather isn't ideal? There's no need to worry. Yamalo-Nenets Autonomous Okrug is home to a variety history museums.
Get outside and experience the region with a visit to its delightful gardens.
The traditional villages and old towns of the region deserve a place on every history lover's itinerary.
Visitors to Yamalo-Nenets Autonomous Okrug can learn about the region's spiritual dimension at its many churches and temples.
Don't miss the opportunity to indulge your senses in the region's enticing bars and cafés.
Nothing compares to local goods. You'll soon find out that rye and oats are go-to favorites here.
If you're in need of something indulgent, lymonnyk (lemon pie) comes highly recommended.
Pull up a bar stool at one of the local bars and take a breather with a few quiet brews. If you request the local favorite, they'll probably serve you up a Baltika Premium Lager.
If you're in the mood for a non-alcoholic drink, mors (lingonberry drink) is an option.
The true essence of a region is to be discovered not only within its scenery, but also in its native tongue. Picking up a smattering of basic phrases and idioms in Russian will make your vacation infinitely richer. Otkuda ty? translates to where are you from. You should also try pronouncing Men'a zovut.. (my name is..).
The 12th of June is the day when everybody, old and young, will celebrate Russia Day. There's sure to be plenty of special festivities if you're lucky enough to be vacationing at that time.
Time to say a final "Poka!" to Krasnoselkup? Pick up some last-minute mementos with the last of your rubli to ensure you never forget your amazing trip.
Situated in Noyabrsk, this hotel is within 2 mi (3 km) of Great Patriotic War Memorial, Russian Orthodox Archangel Michael Church, and Noyabrsk Ferris Wheel. Lake Khanto is 3.4 mi (5.5 km) away.

domain: geography


Teacher Goes Viral for Helping Teen Told He Can't Walk At Graduation Because of His Shoes
Think back to your high school graduation. Chances are, as much as you tried to play it cool, you were incredibly excited to walk across that stage and earn a diploma, effectively taking a major step into adulthood. We imagine Daverius Peters felt that same brand of magic as he prepared to graduate with his high school class.
But Peters almost didn't get that chance. When the recent grad arrived at his school's graduation ceremony, he reportedly received some disappointing news: He would not be allowed to walk in the May 19 ceremony because the shoes he was wearing were deemed inappropriate.
According to a report from The Washington Post, the school required male students to wear dress shoes—no athletic footwear would be allowed. But Peters had a pair of black leather sneakers he figured would meet the requirements. Unfortunately, when he arrived, a school official told him he would not be permitted to participate as a graduate.
"She said my shoes violated the dress code and I couldn't attend the ceremony unless I changed them," Peters told The Washington Post. "I was in shock. I felt humiliated. I just wanted to walk across the stage and get my diploma."
Peters didn't know what to do—the ceremony was about to start, meaning he wouldn't have time to go buy another pair of shoes. Like most teens, he was concerned about what his parents would think when they didn't see their son walk with his class. But then he spotted John Butler, a paraeducator at the school who was there to watch his daughter graduate.
Peters filled Butler in on the situation, and the teacher tried to advocate on the student's behalf. Butler approached the official who told Peters he would not be allowed to walk with his class in hopes that seeing Peters with a faculty member would sway her to change her stance—but she insisted the teen would not be allowed to cross the stage in his sneakers.
With little time to come up with a plan, Butler immediately bent down, took off his shoes, and gave them to the student to wear. "It was a no-brainer," Butler said. "This was the most important moment in his life up to that point, and I wasn't going to let him miss it for anything."
Despite a size discrepancy (Butler wore a size 11 shoe; Peters wore an 9), the student quickly slipped on the brown loafers the teacher offered up—and the teacher sat through the ceremony in just his socks. And even though Peters was, by his own admission, "sliding" across the stage in the too-large pair of borrowed shoes, the teen was able to accept his diploma in front of his family (who, for the record, were confused about the grad's footwear). The fact that this teacher gave Peters that gift is incredible. We should all be so lucky to entrust our kids to an educator like this one.
Of course, the family of this new grad wasn't too happy that the school handled the situation the way they did. Peters's mother, Jima Smith, explained that her son has chronic asthma and spent most of the school year taking classes remotely. "He worked so hard, and for someone to just rip that away from him, that was maddening to me," she told The Washington Post. To that effect, Butler is reportedly planning to speak with the school about new guidelines for school ceremonies.
"If it wasn't for Mr. Butler's kind and thoughtful act, my child would have been sitting outside, and I wouldn't have known," Smith said. "I pray he will continue to work in the public school system because we need more teachers like him. Our young Black men need good role models and mentors like Mr. Butler. He gave the shoes off his own feet to my child. That says a lot about what type of man he is."


Tirana Times is a weekly newspaper published in English and is headquartered in Tirana, Albania.
Tirana Times is the first weekly English newspaper in Albania.The paper was established in 2005. The weekly provides news on politics, business and economy, opinion, features, sports, arts and culture with a special focus on Albania and the Balkans. It has an independent political leaning, and is published in partnership with the Albanian Institute for International Studies, Albania's top think tank. As of 2015 Jerina Zaloshnja was the editor in chief. Andi Balla served as the executive editor of the weekly.
The paper launched a website in 2006 which is updated dailywhich was the 12th most visited news portal in Albania in 2013.
The Japan Times is Japan's largest and oldest English-language daily newspaper. It is published by The Japan Times, Ltd., a subsidiary of News2u Holdings, Inc.. It is headquartered in the Kioicho Building in Kioicho, Chiyoda, Tokyo.
The Forward, formerly known as The Jewish Daily Forward, is an American news media organization for a Jewish American audience. Founded in 1897 as a Yiddish-language daily socialist newspaper, The New York Times reported that Seth Lipsky "started an English-language offshoot of the Yiddish-language newspaper" as a weekly newspaper in 1990.
Helsingin Sanomat, abbreviated HS and colloquially known as Hesari, is the largest subscription newspaper in Finland and the Nordic countries, owned by Sanoma. Except after certain holidays, it is published daily. Its name derives from that of the Finnish capital, Helsinki, where it is published. It is considered a newspaper of record for Finland.
Die Zeit is a German national weekly newspaper published in Hamburg in Germany. The newspaper is generally considered to be among the German newspapers of record and is known for its long and extensive articles.
The Mercury News is a morning daily newspaper published in San Jose, California, in the San Francisco Bay Area. It is published by the Bay Area News Group, a subsidiary of Digital First Media. As of March 2013, it was the fifth largest daily newspaper in the United States, with a daily circulation of 611,194. As of 2018, the paper has a circulation of 324,500 daily and 415,200 on Sundays. As of 2021, this further declined. The Bay Area News Group no longer reports its circulation, but rather "readership". For 2021, they reported a "readership" of 312,700 adults daily.
Al-Ahram, founded on 5 August 1875, is the most widely circulating Egyptian daily newspaper, and the second oldest after al-Waqa'i`al-Masriya. It is majority owned by the Egyptian government, and is considered a newspaper of record for Egypt.
Der Standard is an Austrian daily newspaper published in Vienna.
La Stampa is an Italian daily newspaper published in Turin, Italy. It is distributed in Italy and other European nations. It is one of the oldest newspapers in Italy.
Público is a Portuguese daily national newspaper of record published in Lisbon, Portugal.
The Prague Post was an English language newspaper covering the Czech Republic and Central and Eastern Europe which published its first weekly issue on October 1, 1991. It published a printed edition weekly until July 2013, when it dropped the printed product but continued to produce online material. In 2016 the Prague Post filed for bankruptcy.
Korrieri was an Albanian language daily newspaper.
Mass media in Albania refers to mass media outlets based in Albania. Television, magazines, and newspapers are all operated by both state-owned and for-profit corporations which depend on advertising, subscription, and other sales-related revenues. The Constitution of Albania guarantees freedom of speech. Albanian media are quite diverse, although politicised, and often influenced by business and political interests.
Gazeta 55 is an Albanian language newspaper published in Tirana, Albania. The newspaper is a politically unaffiliated daily, with nine reporters on staff records. The tabloid's owner is Fahri Balliu, an Albanian businessman.
Albania was a newspaper published in Tirana, Albania.
Koha Jonë is a newspaper published in Albania. The paper is a politically unaffiliated daily newspaper based in Tirana.
Republika is a newspaper published in Tirana, Albania.
TemA is a politically unaffiliated daily newspaper published in Tirana, Albania in the Albanian language. Founded in July 1999, TemA is one of the oldest daily newspapers in Albania and currently sells about 15,000 daily copies nationwide.
The Süddeutsche Zeitung, published in Munich, Bavaria, is one of the largest daily newspapers in Germany. The tone of SZ is mainly described as centre-left, liberal, social-liberal, progressive-liberal, and social-democrat.
Reporteri is a student newspaper published in Tirana, Albania.
Klan is an Albanian language weekly political and finance magazine based in Tirana, Albania. The weekly provides economic and political news.


9/11/19 3pm: Pre-Debate Tweetstorm for Affordable Housing
Unlike the 2016 election, housing is poised to become a campaign issue and this impressive, well-organized coalition is laying out the issue in a series of tweets prepackaged as Tweetstream today at 3pm.
Whether you participate or not, curious to know whether anyone on this list is developing apps to address the problems described or whether they'd like to. Welcome comments below or to [email protected] or 617-661-4046.
Join Pre-Debate Tweetstorm for Affordable Housing
Today at 3:00 p.m.
Tomorrow night in Houston, Texas, ten candidates will take the stage for the third Democratic presidential debate. Most of these candidates have released plans or proposals to address the nation’s growing housing affordability crisis. Will the moderators ask the candidates about their proposed solutions to the housing crisis in America? Will the candidates find a way to bring up their affordable housing proposals? Join NLIHC and our Our Homes, Our Votes 2020 partners this afternoon for a tweetstorm urging them to do so!
For information on all of the presidential candidates’ positions on affordable housing, go to: https://www.ourhomes-ourvotes.org/


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White Lion Empire Presents “Pray For Me”
Fast-rising talented act “White Lion” whose real names are Chibuike Steven IGBOKWE unleash yet another single for the year 2020 which is tagged “Pray For Me”.
He dashes out this inspirational mid-tempo song after his previous smash hit release titled “Hustle” which is still currently making waves across the country both locally and internationally. The artiste who kicks-off with his musical career professionally in 2012, Is a South African based Nigerian artist who hails from Anambra state, Nnewi to be precise is not ready to slow down anytime soon with the music pathway he has embarked on.
Connect with White Lion Via:
Download “Pray For Me” listen and share below

domain: artistic


“Earth, Wind and Fire puts on a show!” That was the general consensus as fans made their exit from the Stifel Theatre Sunday night – and it was correct. The legendary band that bends inspirational, funk, soul, R&B, disco and pop is no stranger to St. Louis. In fact, their visits are so regular that their shows here can be classified as an annual affair. But the caliber of performance they bring with them each time they grace the stage means that despite the frequency of their visits, they will always have a full house of a fully captivated audience that stands in awe of the vocals, musician ship and energy EWF delivers with every show.
The crowd was as blended as the musical styles the band serves from one selection to the next. All ethnic groups, age groups, walks of life. Earth, Wind and Fire is a unifier.
That was the part of the intention of late founder Maurice White and the original members when the band formed 50 years ago according to lead singer Philip Bailey. He pointed this out as he stood overwhelmed by the engagement of the crowd and their encouragement of his marvelous falsetto.
“He wanted to create music that is inspirational – music that brings people together,” Bailey told the crowd. “After all these years this music has become the soundtrack of most of our lives.”
The music runs the gamut as far as musical styles and subject matter. Motivational, spiritual, nature driven, love songs – and songs with the sole intent of making the listener “boogie on down.”
The band got things started with “Sing A Song” and jumped right into “Shining Star” which included a brief blend of the Temptations classic “Papa Was a Rolling Stone.”
They managed to squeeze two dozen songs into their 90 minute show that was truly an evening with Earth, Wind and Fire as the show title suggested.
Original members Bailey, Verdine White and Ralph Johnson are in mint condition. Several younger members have been incorporated into EWF – including Bailey’s son Oshunde – and, as usual, they were given a fair share of the spotlight through vocal and percussion performances in particular.
EWF could actually be classified as a mini-orchestra with its trio of horns, pair of keyboards and rotating percussionists that back bass player Verdine White as he holds the Rhythm section together with riffs that are essential to the band’s pioneering contributions to funk.
He took a few liberties to show off his remarkable skills over the course of the evening, including early on in the show for “Shining Star” and a few other selections.
The rest of the awe was reserved for Bailey’s vocals – particularly his high notes on “Devotion” and “Reasons.” Bailey appeared to be a bit under the weather, and there seemed to be some intention from him in being mindful of singing with that in mind. But it was as if he wouldn’t allow himself not to give the audience what they came to hear and went for – and reached – his trademark high notes anyway.
The show started and ended on a groove, with the ballads and spiritual songs such as “Write A Song” “Keep Your Head To The Sky” and “After The Love Is Gone” reserved for the middle.
They closed out the show with their black family cookout classics “Boogie,” “Let’s Groove” and “September.”
For the encore they opted for the lesser known be equally funky “In The Stone.”


Mobile Food Vendors/Food Trucks and Fire Safety
The City Clerk's Office issues solicitor's licenses for food trucks/mobile food vendors. For questions on how to apply for a solicitor's license, contact the City Clerk at (585) 428-6617.
Fire Safety Requirements for Food Trucks
The Rochester Fire Department is involved in the licensing process by requiring fire safety training courses and inspecting vehicles for fuel safety & other requirements. Please reference the General Safety Rules for Festivals, Event Sites and Food Vehicles for more information.
When are fire safety courses offered?
The fire safety courses are:
- Offered every two months or as needed
- Held at the Public Safety Training Facility, Room 104, 1190 Scottsville Road
- Participants MUST call (585) 428-3682 to register for the class.
After trucks attend the fire safety course, the training is valid for three years.
Once I obtain a license, where can I vend?
Vending is permitted as part of the Center City Food Truck Pilot Program and outside of Center City at approved locations. For more information on vending at these locations, call the City Clerk at (585) 428-6617.
Vending is sometimes permitted on private property, after a review by Planning & Zoning. To learn more about this process, call Jason Haremza at (585) 428-7761 or send an mail.
Vending is allowed as part of permitted special events, including ones at the Rochester Public Market. Event applicants should let the City know that food trucks will be present at the event.
For questions related to food trucks at the Rochester Public Market, call Cindy DeCost or Rob Sharman at (585) 428-6907 or send an email.
For questions related to food trucks at other special events throughout the City, call Kara Osipovitch in the Office of Special Events at (585) 428-6733 or send an email.
What if I still have other questions?
If you have fire safety questions in anticipation of a session or questions about any of the information on this page, feel free to call the Fire Department at (585) 428-3682.
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By Noreen Kompanik
The Oak Ridge Boys – the legendary group consisting of William Lee Golden, Duane Allen, Joe Bonsall and Richard Sterban – has been performing on stage together for over 50 years. But the fascinating and unique history of this iconic group started in the 1950s. We recently caught up with ORB’s Richard Sterban.
How did you first get involved?
Sterban was in the right place at the right time. “I was on backup with Elvis, performing with the Stamps Quartet. I was in my 20s singing on stage with the greatest star in the world,” he recalls. “I have fabulous memories of those days with Elvis, but I received an unexpected opportunity to join the Oak Ridge Boys and I took it. I’ve never looked back.”
What’s it like singing together for a half century?
“We feel like we’ve never worked a day in our lives, because we love doing what we do,” says bass singer Sterban. “I don’t think there’s a group in the business that has a history like the Oak Ridge Boys. It goes back to the second World War with a performing group originally known as the Georgia Clodhoppers.” The group frequently traveled to Oak Ridge, Tennessee to entertain people working on the development of the nuclear Manhattan Project.
In the 1950s, the “Oak Ridge Quartet” were regular performers at the Ryman Auditorium, the original home of the Grand Ole Opry. After the addition of some younger performers, the group became known as the Oak Ridge Boys. William Lee Golden joined the group in 1965, followed by Duane Allen in 1966. Richard Sterban arrived in 1972 and Joe Bonsall one year later.
Playing the historic Grand Ole Opry must be a thrill!
As inducted members, the group never takes for granted seeing their names on the wall along with other stellar performers. Sterban relates that “on the stage, there is a circle of wood that’s from the old Ryman Auditorium. We make it a point that every time we step on that stage, we touch that circle, for in doing so, we are touching history.”
Sterban also says that when the group goes on stage, fan feedback is what motivates them. They want to do the best job possible, every night, every performance, because their fans deserve it and they love performing for them.
How do you handle being on tour so much?
Living a good life is finding balance and being able to execute that balance between career and family. “Anything that’s worthwhile is worth working for,” says Sterban. “Family is important to the Oak Ridge Boys and we make sure that when we arrange our schedules, that we plan for quality time off with our families.”
Despite their ages and their demanding travel schedules, the group looks and feels healthy and fit. They watch their diets, exercise when they can, and try to get enough rest. Sterban says, if possible, he tries to take a nap before each show as it’s important to go on stage completely rested.
And what about branching out of the music industry?
Though the group has dabbled in other ventures – Duane Allen in producing, and Sterban writing a book “From Elvis to Elvira: My Life on Stage” – what’s most important to the group is being the Oak Ridge Boys. And that will never change.
And the group dynamics? Especially after so long together?
“A special relationship exists between the four of us,” explains Sterban. “We each bring something different to the table. We recognize we are different and we respect that. But we need each other and always pull together as a team. Truth be told, we are true brethren and the best of friends.”
And he adds with a wry chuckle, “Now that we’re older, we get along better than we did when we were younger. We’re too old to let the little things bother us.” Golden is 84, Allen and Sterban are 79, and Bonsall, the baby of the group, is 74.
Is retirement on the horizon?
Sterban adds: “Let me tell you right here, right now. We do not plan to retire. Yes, we have to be realistic as we’re not kids any longer. But as long as the good Lord above allows us to have good health, we’re going to keep on. When it’s time to hang it up, the good Lord will let us know. But that day’s not here yet. We love what we do and we love doing it.”
What advice can you give the younger generations?
“The first thing you need to decide is your calling,” says Sterban. “Find out what it is you’re blessed with, talent wise and that you enjoy, then pursue that. Work at your craft. Do the best that you can every time. This works whether you want to be in the music industry, a carpenter or a ball player. There’s no substitute for hard work. Decide what you want to do,” he adds. Then go for it. Don’t let anything deter you from achieving your goal.”
And any advice for those of us over 50?
“Oh yes,” concludes Sterban, with a deep bass laugh. “Come on in, the water’s fine.”
See the Oak Ridge Boys on March 2 at the Strawberry Festival in Plant City. Tickets start at $52. FLStrawberryFestival.com


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Knowing what I know now, I would do things differently. Whether you’re considering a career change or just curious about the field of Public Health like public health advising uf, here are some insights that I gained from my personal experience that may help you navigate this field.
Before entering into the field of Public Health, it is important to understand both its potential benefits and drawbacks and decide if it is right for you. There are many factors to consider and before making any major life decisions like changing your graduate program, switching employers or taking on this new career path, know the following:
1) Entry-level salaries
Entry-level salaries in public health can be substantially lower than those in other fields such as law or medicine. Even with several years of experience and a Master’s degree, you will likely not make as much as your peers in other health professions. For example, the median salary for a public health nurse is only $49,000 per year and starting salaries for clinical public health positions are even lower. Because the salaries in public health are often lower than average, it is more challenging to retire comfortably.
2) Job security
Public health jobs can be very secure because they are so specialized and often require extensive training. However, many public health jobs depend on outside funding sources such as grants which can be low in some fields (such as nursing). This can decrease job stability, particularly during economic downturns.
3) Work-life balance
Public health work is very time intensive because you will have a long list of tasks and many of them require in-person contact with community members. You will not have the flexibility to take time off for personal reasons without making up the hours later or working extra hours. You may also need to travel frequently, even if you are working in your home state.
4) Job satisfaction
On the positive side, public health is very meaningful because you are helping to improve the lives of others and make lasting impacts on communities.
5) Impact on quality of life
Many people enter public health with the desire to help others and make a difference in their communities. In many ways, public health can be a rewarding career. Becoming a public health professional can improve your quality of life and the quality of life of others in the community.
6) Personal development
Becoming a public health professional allows you to merge your passions with your career and learn skills that will benefit you throughout your entire life. You will have many opportunities to develop professionally and personally as a diverse set of skills are necessary to be an effective communicator, manager, administrator and team player.
7) Work-life balance
Not everyone can make this career work.
8) Advancement opportunities
(including salary increases, promotion and job security)
There are very few opportunities for advancement in public health positions. Promotion often occurs at the level of your employment – not within your specific position. It is not uncommon for public health professionals to reach their maximum level of certification and then be demoted or laid off to accommodate new hires. Although you may be happy with the work you do, advancement is limited and the lack of promotion opportunities can be demoralizing for nurses, especially those who have become experienced nurses after many years in the field.
9) The field of public health
The field of public health is changing and growing because it requires a diverse skill set. Many public health professionals have expertise in a variety of areas including nursing, epidemiology, nutrition, environmental science, anthropology and more. The field also attracts many people who are passionate about social justice and want to help others in the community. As a result, there can often be heated discussions on controversial topics and disagreements with co-workers or clients. You will need to be able to manage conflict effectively.
10) What is public health?
Public Health can encompass many different roles and responsibilities depending on your employer and your state or country’s level of development. For example, in the United States, public health professionals are known as “health officers,” “health inspectors,” or “public health practitioners.” In many countries, public health professionals are known as “medical officers” or “physicians.”
Public health is a very challenging and rewarding field. People often enter the field because they have a desire to help others and work towards a healthier community. The potential for job satisfaction is great, but you will need to be flexible in your role and willing to go outside your comfort zone.
In reality, public health is not as glamorous as you would expect from watching House . You will spend more time on data management than bedside patient care. Although you may come home at night feeling like you’ve done something meaningful, it’s quite common in public health to return from a long day of work only to find an inbox full of new email messages.


Views:0 Author:Site Editor Publish Time: 2020-09-24 Origin:Site
Covid-19 is still spreading, are there ways to avoid being affected while using a door handle? As using a door handle just like shaking hands with thousands of people.
There are some major Antimicrobial solutions as below.
•Silver Ion/Silver Nanoparticles
•Nano-Organic Coating(AKA N-SEPT)
What are the differences between them?
Please see below:
Comparisons of Commercial Antimicrobial Coatings:
You can see that from above chart
•N-SEPT shows more long-lasting antibacterial and antiviral effect compare to silver ion coating
•N-SEPT is non-toxic and does not affect product appearance
•N-SEPT is highly durable
The coating that is applied to D&D’s lever handle is N-SEPT coating. It has independently tested and it has a 99.9% kill rate against COVID-19 & Bacterial, a 78.6% kill rate against H3N2 influenza virus.
While our door handles are not the only anti-bacterial door handles on the market, they are unique in that they have below features:
Whether your door handle is a push, pull or lever style, we offer a range of innovative door handle solutions to reduce the spread of bacteria and germs.
D&D's products strictly according to international Standard, such as the BS EN/CE, UL, ANSI, BHMA standard. While adapting to the convenient and reliable door configuration schemes of public buildings and industrial places, it brings you the best cost performance and high quality The quality and long service life. We can provide a complete set of door hardware solutions for people circulation, bringing you the best price-performance ratio.
For further information about our door hardware or any of our services, click here.
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Contact: David Jian
Mob: 0086-139 2903 7292
Email: David@dndhardware.com, email@example.com
Mob: 0086-137 2599 9617


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A smile appeared on my face as I stepped in the door. There’s something about Contagious Enthusiam that makes me happy, and it’s not just the name of the place. It’s the team who ooze with friendliness and passion. It’s the space which is fresh and tranquil. It’s the anticipation of the treatment I’m about to enjoy to ease my aches and pains.
I had arrived for my myotherapy appointment at the Hampton clinic. I sipped on herbal tea in the waiting area as I filled in my form and enjoyed the calming vibe of the clinic.
So many health clinics feel… well, clinical. But Contagious Enthusiasm has creating a warm and welcoming environment. It almost has a yoga studio feel. Bliss.
I was let upstairs to my treatment room. The clinic not only houses a team of myotherapists – it has multiple modalities to offer a holistic approach to healing.
The therapists often work together with clients to give them the ultimate in care with naturopathy, clinical nutrition, remedial massage, reiki, clinical psychology, podiatry, and even beauty therapy on offer.
If you’re confused about the difference between massage and Myotherapy, you’re not alone.
My myotherapist Jackie explained to me that the main distinction is that they use more than a range of massage techniques, like trigger point therapy, to treat soft tissue pain and ailments.
Myotherapists have techniques in their toolbox such as dry needling, musculoskeletal alignment, cupping, muscle stretching and a range of rehab exercises in addition to their massage skills.
I left my treatment feeling freedom in my body, completely relaxed and I still had that smile on my face.
And they are definitely skilled. Thanks to Jackie I left my treatment feeling freedom in my body, completely relaxed and I still had that smile on my face. I’ll be back.
If you’re keen to experience it for yourself we have some special discount cards at reception at our Hampton studio. The are located less than 5 minutes from our yoga studio on Hampton Street.
I hope you enjoy it as much as I did!
Detoxify & energise with Hot Yoga. Tone & sculpt with Power Flow. Strengthen & stretch with Basics and Slow Flow. Relax & mobilise with Yin Yoga at our beautiful studios in Hawthorn & Hampton, Melbourne. Our studios also host regular workshops, Victorian and overseas retreats to exotic places like Bali, Thailand & India, as well as a mobile yoga service for community, school and corporate groups.
Our Hampton studio has now opened our classes up to the Bayside area including surrounding suburbs such as Sandringham, Brighton, Black Rock, Highett and Beaumaris. Enjoy modern facilities, expert teachers and a range of complementary wellness services for optimal health.

domain: health


Love where you live!
January 26, 2010 from 6pm to 7pm – La Mesa City Hall La Mesa City Council Date: January 26, 2010 Address: City Hall 8130 Allison Avenue La Mesa, CA 91941 Location: Council Chambers Hours: 6 p.m. This meeting can be viewed live on Cox Cable Channel 24 (… Organized by City of La Mesa | Type: la mesa city council, city of la mesa, la mesa today
May 14, 2013 from 7pm to 8pm – La Mesa City Hall The City Council will hold a public hearing on Tuesday, May 14 at 7:00 pm in the City Council Chambers at La Mesa City Hall at 8130 Allison Avenue to consider sewer rates for the next two years. The… Organized by City of La Mesa | Type: public hearing


Ever since 2002, the Society of German Nature Photographers or Gesellschaft Deutscher Tierfotografen (GDT) has held an annual contest in which it awards the author of the photograph it deems to be the best of those submitted the Nature Photographer of the Year honor. According to the rules of the conest, contestants must be full members or sponsored members of the GDT. This year the award was give to Herman Hirsch for his image of an alert fox in tall grass titled "Abendidylle," which is pictured below. In addition to the contest's overall winner, I have included two other GDT award-winning photographs which I found to be particularly moving. Enjoy.
To see all the winners from this year's contest, go to the GDT gallery by clicking here.
WHO ARE WE?
We're the New York Institute of Photography, a distance education school teaching photography since 1910 - over 100 years of knowledge and experience.
Click here to watch the New York Institute of Photography video.


text:
Medical Device Deals Update, February 2013
Derived from Strategic Transactions, Elsevier Business Intelligence’s premium source for tracking life sciences deal activity, the Medical Device Deals Update column is a survey of recent medtech M&A, Alliance, and Financing activity.
You may also be interested in...
Bluebird bio’s Tom Klima told Scrip launch preparations are well under way, including negotiations with payers on outcomes-based reimbursement agreements.
AbbVie is to terminate the clinical development of lemzoparlimab for myelodysplastic syndrome and acute myeloid leukemia and will also reduce the size of its 2020 deal with originator I-Mab by $445m, in the latest blow to the Chinese firm.
Walmart Inc., which aimed for a 10% reduction in use of priority chemicals in beauty, personal care and household cleaning products sold in stores by 2022, is years ahead of its goal.

domain: news


text:
Supreme Court Strikes Down Section 497 of Indian Penal Code - (27 Sep 2018)
In a historical judgment, Supreme Court has struck down 158 Year Old Section 497 of Indian Penal Code, 1860 (IPC) which criminalizes adultery, as unconstitutional. Writ petition named Joseph Shine v. Union of India was filed under Article 32 of the Constitution of India questioning the validity of Section 497 of IPC. A five-judge Constitution bench observed that, Section 497 is a denial of substantive equality as it perpetuates the subordinate status ascribed to women in marriage and society. Chief Justice of India (CJI) Dipak Misra said adultery can be a ground for divorce but not a criminal offence. CJI Misra and Justice Khanwilkar said that, mere adultery cannot be a crime, but if any aggrieved spouse commits suicide because of life partner's adulterous relation, then if evidence produced, it could be treated as an abetment to suicide.
According to Section 497 of IPC, “whoever has sexual intercourse with a person who is and whom he knows or has reason to believe to be the wife of another man, without the consent or connivance of that man, such sexual intercourse not amounting to the offence of rape, is guilty of the offence of adultery”. An imprisonment for a term which may extend up to five years, or fine, or both is imposed on offence of adultery. As per the interpretation, Apex Court observed that, provision treats women as subordinate to men as it lays down that, when there is connivance or consent of the man, there is no offence. This treats the woman as a chattel. It treats her as the property of man and totally subservient to the will of the master. It is a reflection of the social dominance that was prevalent when the penal provision was drafted.
Justice Indu Malhotra observed that, any legislation which treats similarly situated persons unequally, or discriminates between persons on the basis of sex alone, is liable to be struck down as being violative of Articles 14 and 15 of the Constitution, which form the pillars against the vice of arbitrariness and discrimination. A law which deprives women of the right to prosecute is not gender-neutral. Under Section 497 of IPC, the wife of the adulterous male, cannot prosecute her husband for marital infidelity. This provision is therefore ex facie discriminatory against women, and violative of Article 14 of Constitution.
As Section 497 denies guarantees of dignity, liberty, privacy and sexual autonomy which are intrinsic to Article 21 of the Constitution it is held arbitrary; accordingly the decisions in Sowmithri Vishnu and Revathi are overruled. Section 497 is struck down as unconstitutional being violative of Articles 14, 15 and 21 of the Constitution. Further, the Apex Court declared Section 198(1) and 198(2) of the Code of Criminal Procedure, 1973 (CrPC), which provides that a husband can bring charges against the man with whom his wife committed adultery as unconstitutional.
Tags : ADULTERY PROVISION VALIDITY

domain: sociology


text: Hi all, i am from Singapore and planning a trip to the south islands, NZ next week. Should i bring the Ipad along? will the data roam charges be very high? Is there a way to buy a prepaid micro sim card when i reaches there? Please advise...many thanks!


Durban – The Minister of Public Works and Infrastructure Patricia De Lille is embroiled in a fresh tender row that resulted in growing calls for her to be fired.
De Lille is now being accused by Mahalingum “Dhaya” Govender, a former deputy director-general for Real Estate Management Services (REMS) in the department of victimising him after he refused to carry out what he deemed to be illegal instructions.
The accusations are contained in an affidavit Govender sent to the Public Protector, Advocate Busisiwe Mkhwebane, asking her to probe De Lille.
Govender’s contract was terminated by De Lille in December last year and he is currently fighting to overturn the decision as he claims he carried out his duties with due dilligence.
De Lille is also involved in a fight with her suspended director-general, Advocate Sam Vukela and Govender is partly backing Vukela in the battle.
Govender said two contracts stand out to show De Lille abused her authority. One was for property leases and the other was for media monitoring.
“On 28 June 2019, the minister addressed a letter to me in which she instructed me to appoint a particular company specializing in global superior facility and property management for a period of 3 months.
“I was surprised by this unlawful instruction. The instruction was a clear interference by the Minister in the administration and supply chain management processes of the department,” Govender alleged.
“On 16 July 2019, the Minister wrote me another letter in which, she requested me to appoint Oryx Multi Media Company; on a three months basis with the start date of 1 August 2019 to amongst others undertake the daily monitoring of current affairs.
“The profile of Oryx Multi Media was attached to the letter from the Minister. This was yet another unlawful instruction of the Minister’s interference in the Supply Chain Management processes of the Department. I declined to appoint the company as instructed,” she alleged.
Govender further alleged that when he declined to carry out the instructions, De Lille got angry and started to victimise him.
The latest allegations against De Lille has prompted the DA to call on Ramaphosa to fire her.
DA MP Samantha Graham-Maré, the party spokesperson on public works, said De Lille can continue to dismiss these allegations as evidence of a plot by the DA to besmirch her character.
“These allegations are not being made by us. They are being made by senior officials in the Department she has been tasked to provide policy direction to. The allegations are significant,” Graham-Mare said.
In response, De Lille said she is just doing her work and dismissed the DA as a bitter party.
“It is a pity that people see intervention as interference because the looting is being disturbed. There is a difference between intervention and interference.
“I am not surprised by the fight back campaign against me because people are afraid that they will be confirmed as having looted the state’s coffers.
“Ministers are always told that the buck stops with us and we are questioned when we do not act. I have now acted as this is my duty and it is what the public expects from me.
“The buck stops with me and I want to be held accountable. The more the public holds me accountable, the harder I will work to clean up.
“I will stop at nothing. I am on a mission to clean up the Department,” De Lille responded on Sunday.


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The recent bout of panic selling by investors in municipal bond funds reflects several factors, including headline risk due to predictions of widespread defaults, rising interest rates, the extension of the Bush-era tax cuts, and rallying equities.
As these events became the focus of investor attention late last year, the $464.6 billion muni fund industry was hit with an unprecedented wave of selling.
"The panic peaked in the middle and latter part of January, and that's evidenced by the muni mutual fund outflows," said Michael Crow, portfolio manager and senior municipal credit analyst at Glenmede Investment Management in Philadelphia.
The selling escalated when investors unloaded a massive $4 billion in the week ending Jan. 19, according to Lipper FMI.
Crow dodged the big selling wave, but is seeing consistent but modest outflows this month. His $145 million municipal intermediate fund and $31 million New Jersey portfolio saw net outflows amounting to 1% to 1.25% of assets since November.
To raise cash for redemptions in late January and earlier this month, he said he sold high-quality bonds maturing in the two- to four-year range as well as A-rated bonds maturing in eight to 10 years.
Several major fund companies declined requests to speak about how they managed through the dramatic sell-off.
But fund managers like Crow, who experienced lighter outflows, say they are aiming to stay fully invested in the nearly $3 trillion municipal bond market.
They say they don't subscribe to the predictions of massive defaults that have been swirling through the media. They are focusing on high-quality credits with 5% coupons or higher and managing duration risk to prepare for a potential rise in interest rates.
The latest weekly outflows have fallen to $973.9 million — still a high number — in the week ending Feb. 16, according to Lipper. In the Feb. 9 week, funds that report their figures weekly posted a net outflow of $1.16 billion. That was slightly higher than the $1.07 billion reported in the week ending Feb. 2.
Some fund managers say January principal and coupon payments to investors acted as a safety net to help them cover redemptions. Crow said he held onto the proceeds of Jan. 1 and Jan. 15 maturing bonds to build additional cash.
Municipal funds have reported $38.7 billion of outflows in the last 14 weeks, according to figures from Lipper. That's about a third of the $101 billion of inflows the muni fund industry sucked in from the beginning of 2009 to October 2010, when yields on Treasuries and money market funds were lower and the stock market was volatile.
While outflows have been moderating since mid-January — aided by a supply shortage that has kept yields well below 5% — municipals continue to face stiff competition. The budget crises spreading at the state and local level have many retail investors exploring alternatives to munis.
Since the end of October, the 10-year Treasury yield has spiked more than 90 basis points and the S&P 500 Index has gained 13.5% — two factors that have also lured some money out of tax-free funds, market experts said. Equity and taxable bond funds reported around $39.5 billion of combined inflows, according to the Investment Company Institute.
While the municipal market may have seen the worst of the outflows, "we haven't written the last chapter," said Jeff Tjornehoj, a senior research analyst at Lipper. He said the historic outflows were driven in large part by the passage of legislation by the Republican-led Congress at the end of 2010 that extended the Bush tax cuts by two years.
"Investors feel they no longer need as much of their assets protected by municipal debt," he said. "There isn't enough of a reason in the minds of municipal investors to put more money to work."
Instead, a large portion of that money is finding its way to domestic equity funds, which are seeing $3 to $4 billion of inflows a week, according to Tjornehoj. "There's momentum in equities and people feel more comfortable investing where gains have been steady," he said.
To make matters worse, muni funds are now facing scrutiny by the Securities and Exchange Commission. Examiners are requesting "a massive amount of information" about fund holdings in tender-option bonds, unrated and defaulted securities, and information about credit analysis.
According to a Wall Street Journal report last week, the SEC is investigating whether some funds overstated the value of high-yield municipal bonds that are infrequently traded.
Alex Grant, managing director and portfolio manager at RS Investments in New York City, experienced more outflows from his $100 million high-yield municipal bond fund, than his $280 million tax-exempt fund.
"There was concern about high-yield and that's where we did see outflows — but not as severe as other funds," he said.
Fund families that got hit the hardest, in his opinion, were those that suffered severe losses in 2008 and were still struggling to get back on their feet after one of the most tumultuous periods in financial history.
Shareholders in those funds were of the mind set that "I don't need another 2008," and likely sold on panic, according to Grant.
He attributed the modest outflows from his high-yield fund to its structure. With an overall credit rating of triple-B, it holds 13% in nonrated credits, as well as state GO bonds, like California, Puerto Rico, and Illinois. But it also holds A-rated bonds, adding a high-quality component, he pointed out.
"We tend to focus more on liquidity and higher coupons than riskier credits," Grant said.
That liquidity helped him recently raise cash for redemptions. "There's always an appetite for California 6% GOs, and Puerto Rico," he said.
The $4.2 billion Nuveen high-yield municipal bond fund saw its share of pressure from the sell-off, according to John Miller, co-head of fixed income at Nuveen Asset Management LLC.
In a recent municipal market update, he said the fund "has been hit harder than many of its peers due to the nature of the municipal market sell-off."
The yield-curve steepening and spread widening in certain sectors caused bonds with maturities beyond 10 years to sell off the most, Miller wrote in his report. The fund holds only 6.70% of its assets in bonds maturing under 10 years, while it maintains 31.18% exposure to bonds maturing between 25 and 29 years, according to information on its website.
"We are currently maintaining a consistent strategy, as we don't want to overreact to short-term downside volatility," Miller wrote. "We believe the fund is well-positioned for municipal market stabilization or improvement."
He noted that the fund had performed well during the municipal market's recovery period from January 2009 through October 2010, and is optimistic about a similar outcome in the current climate. While details on the firm's outflows were not available, its website said the fund had net assets of $4.54 billion as of Dec. 31.
"We believe the fund's valuation is attractive and our research team continues to look at all existing and potential new holdings from a bottom-up perspective," Miller added.
Others agreed that the market is relying on experiences learned in 2008 to get it out of the recent slump.
Grant said the market was "blind-sided" by Wall Street analyst Meredith Whitney, who in December panicked many investors when she predicted on national television that 50 to 100 municipalities would cause "hundreds of billions of dollars" in defaults this year.
"I think our shareholders saw how we performed in 2008, and had confidence in us managing risk, so they ignored the stories," he said.
RS Investments' fixed-income team manages $30 billion in assets, including institutional accounts and its brand of family of funds.
For his national fund, Grant invests in state GOs with strong credit quality and coupons of 5% or higher in 20 to 25 years. That allows for the most compensation for duration risk.
He also finds value in higher education credits, such as triple-A rated Harvard University 5.50% coupon bonds due in 2036.
Warren Pierson, a managing director at Baird Advisors and senior portfolio manager of the $203 million Baird intermediate municipal bond fund, attributes the greater stability of his fund during the sell-off to his bias toward high quality and emphasis on prerefunded issues, the latter of which "provided a strong base of protection against significant price declines."
With many investors recently seeing losses in their muni funds, many exited and opted for individual tax-exempt securities or taxable bond funds and equities, as those markets offered more opportunity, experts said.
Reid Smith, a portfolio manager at RBC Global Asset Management in Minneapolis, said the outflows demonstrated shareholders were seeking higher-income options, not panicking.
"I don't think that was the case this time, or you would have seen a pick-up in flows to money market funds," he explained.
"When yields rise, the yields on funds lag higher rates and investors sell lower-yielding funds to buy munis directly," Reid added. "Individuals might have bought munis directly because of higher-yielding opportunity and availability. Investors might have felt more comfortable in individual credits they knew."
Wooing investors back to municipal funds is possible, but might take some time, according to various sources.
Grant of RS Investments noted that states are turning to tax increases and cost-cutting measures. "I think that is all positive for the market and for shareholders stepping back into municipal bonds again," he said.
Crow of Glenmede Investments said the protests in Wisconsin over Gov. Scott Walker's plan to force state workers to contribute more to their health insurance and pensions is a "precursor" to additional headline risk for munis. That, in turn, could further spook retail investors, he noted.
Tjornehoj believes that additional negative press about budget strife will curtail investor demand for funds going forward.
"The shoe that we are waiting to drop is the financial condition of states and municipalities in 2011," he said.
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domain: finance


text:
Real estate investment trusts (REITs) are alternative options for investors seeking to diversify. However, in a high-interest era, residential REITs should benefit the most. Industry experts say the recent interest rate hike by the Bank of Canada to curb inflation will increase mortgage rates and housing costs while adding pressure to the tight rental market.
With housing affordability more challenging in June 2023, demand level will temper, as homebuyers stay on the sidelines. More people will also lean towards renting than owning properties. But from an investment perspective, a top Canadian residential REIT that pays monthly dividends could be an inflation buffer.
Killam Apartment (TSX:KMP.UN) is a screaming buy today for its strong fundamentals and attractive yield. At $17.71 per share, current investors enjoy an 11.08% year-to-date gain on top of the 3.91% dividend. A $30,992.50 position (1,750 shares) in this residential REIT will produce $100.98 in monthly passive income.
The $2.07 billion REIT takes pride in its proven record of strong growth and robust development leasing. Killam acquires high-quality multi-residential assets and invests in joint-venture opportunities to maximize growth potential. As of March 31, 2023, the portfolio comprises 230 apartments (19,484 units), 40 manufactured home communities or MHCs (5,975 units), and nine commercial properties.
In the first quarter (Q1) of 2023, property revenue, net operating income (NOI), and net income rose 9.6%, 12.3%, and 39%, respectively, to $84.9 million, $50.8 million, and $83.5 million versus Q1 2022. The Apartment same-property occupancy rate at the quarter’s end was 98.6%. Its president and chief executive officer (CEO) Philip Fraser said, “Fundamentals in our core markets are stronger than ever.”
Fraser expects the portfolio to maintain healthy revenue and NOI growth in the quarters ahead. Killam’s capital-recycling program aims to dispose of or recycle non-core assets ($100 million to $150 million target) to maximize value, enhance capital flexibility, and strengthen the balance sheet.
For 2023, 450 suites repositioning will translate to $2.5 million in annualized revenue growth. The total opportunity to reposition 5,500 suites should result in $28 million in annualized revenue.
The REIT’s extensive development program is also an important component of its long-term growth plan, and the $1.7 billion development pipeline should support future growth. Killam will have 320 new high-quality suites in the next two years with the completion of three development projects.
Growing market rents
Because of higher-than-normal lease renewals in Q1 2023, the weighted average rental rate increased by 3.8% year over year. The rental rate increase for new tenants that moved in during the quarter was 14.3%. Killam averages 30% to 32% of unit turnover historically, except in the last two years due to the tightening of Canada’s housing and rental markets.
Still, Killam typically generates rental increases by moving rental rates to market or where market demand exists. Management believes that population growth across Canada will drive market rents higher. More importantly, it expects monthly distributions to increase and payout ratios to decrease over time.
High-quality and young portfolio
Killam Apartment is a solid investment prospect if you want exposure to the residential sub-sector of the real estate market. Besides owning Canada’s highest-quality and youngest apartment portfolios, the monthly dividend payouts should be sustainable and rock steady for years.


text:
Trends and pattern of the utilization of cardiovascular medicines in Lithuania in 2003–2012
Keywords: drug utilization (trends), cardiovascular medicines, hypertension medication, Lithuania
AbstractBackground. Despite the wide use of cardiovascular (CV) drugs, CV diseases are still the leading cause of mortality and morbidity. Analysis of drug utilization gives a possibility to evaluate effectiveness of interventions. Materials and methods. The aim of the study was to evaluate CV medicines consumption in Lithuania in 2003–2012. Data was retrieved from the SVEIDRA database of the National Health Insurance Fund. Utilization of the following groups of CVM (ATC group C) was analyzed: C02 – antihypertensive drugs, C03 – diuretics, C07 – beta blocking agents (BBs), C08 – calcium channel blockers (CCBs), C09 – agents acting on the renin–angiotensin system, C10 – lipid modifying agents. ATC/DDD methodology was used. Data was expressed as a number of DDD per 1 000 inhabitants per day (DDD/TID). Results. Consumption of CVM went from 134.5 DDD/TID in 2003 to 352.2 in 2012. Angiotensin converting enzyme inhibitors (ACEI) were the most consumed ones (66–114.8 DDD/TID), followed by CCBs (19.4–38.8 DDD/TID) and BBs (12.5–52.6 DDD/TID).There was high consumption of antihypertensives (4.7–23.9 DDD) and low consumption of diuretics (9.4–16.9 DDD/TID) and lipid modyfing agents (0.4–7.4 DDD/TID). Increasing utilization was noticed in the angiotensin II antagonist (ARBs) group (42 DDD/TID), ACEI combinations (38.6 DDD/TID) and ARBs combinations (12.9 DDD/TID) in 2012. Conclusions. Utilization of CV medicines increased in Lithuania in 2003–2012. ACEI held the first position. An extremely low utilization of lipid modifying agents, diuretics and high consumption of alpha-receptor blockers showed the need of actions on changing the prescribing pattern of CV drugs.

domain: literature


text:
The MWG can definitly work with multiple Active Directory servers. Under User Management > Windows Domain Membership you can 'join' the Web Gateway to your individual domains. After that you can just configure the Web Gateway as you normally would.
Some notes before adding it to the domain, you must make sure that the Web Gateway can resolve the FQDN of your DC (so... hostname.domain.tld) otherwise you will have communication issues with the Web Gateway and the DC. If needed you can add an entry to the /etc/hosts file to allow the Web Gateway to resolve your DC to its IP address.
One other consideration, when setting up the Web Mapping, specifically a Group Mapping, you may or may not want to enable the option for 'Add domain name to group name (resulting in DOMAIN\group)' enabling this option in the mapping would allow you to create rules for specific the specific domain.
Thanks for your prompt reply. I think that the key is "to enable the option for 'Add domain name to group name (resulting in DOMAIN\group)' enabling this option in the mapping would allow you to create rules for specific the specific domain."
So through this I can have different groups that will belong to different domains and apply a policy on each one.
Hello again Charis,
You are correct, enabling that option will allow rules specific to be that domain.

domain: design