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In Nudge, Richard H. Thaler and Cass R. Sunstein propose a series of reforms—“nudges”—that can help policymakers and other choice designers lead people to make better choices without restricting their freedom to choose. Thaler and Sunstein argue that no choice is ever neutral because the way a choice is presented, even if randomly, affects the way people engage with it—and so governments, private companies, and other entities should frame options in ways that can improve people’s decisions. Thaler and Sunstein call their approach to designing choices “libertarian paternalism,” which implies the freedom of libertarianism combined with the guidance of paternalism, but without the coercion often associated with paternalism.
Thaler and Sunstein argue that people have evolved to make snap decisions in a wide variety of areas in order to save time and mental energy—we’re more likely to survive if we rely on rules of thumb (largely accurate guides based on experiences in similar situations) when deciding, for example, whether an animal is a threat (if we spend time carefully analyzing it, we might be eaten before reaching our conclusion). They note that while such rules of thumb—also called heuristics or biases—can be helpful, they can also mislead us into making poor decisions.
(Shortform note: Thaler and Sunstein focus on how mental shortcuts can lead us into poor judgment calls, but other writers note that these kinds of gut reactions can be enormously beneficial. In Blink, Malcolm Gladwell argues that judgments made by our unconscious mind, based on limited information and made in fractions of a second, can often prove more accurate than well-thought-out analysis. He says that this is due to the fact that evolution has trained our minds to home in on the most important aspects of a situation and ignore all irrelevant facts. In contrast, our more rational brain tries to give equal consideration to all facts, which can distract us from the most important aspects of a decision.)
Some of the biases that Thaler and Sunstein discuss, upon which many of their nudges rely, include:
(Shortform note: The names of these biases were coined by various behavioral economists, including Thaler, Daniel Kahneman, Amos Tversky, William Samuelson, and Richard Zeckhauser. They’re widely used today in the field of behavioral economics and are accepted as a basis for many psychology theories in both academic circles and on more informal platforms, like blogs.)
Thaler and Sunstein developed “nudges” to work against these common biases. They call their method of nudges “libertarian paternalism,” defined as a combination of libertarianism (prioritizing individual freedom regardless of ends) with paternalism (constraining choice to bring about better results).
Libertarian paternalism seeks to preserve liberty—our freedom to do what we like, as long as it doesn’t infringe on another—while using techniques suggested by behavioral economics and psychology to point us in the most beneficial direction.
According to Thaler and Sunstein, any choice, from the most mundane to the most momentous, has a certain design—that is, a method, order, or style of presentation that affects how we choose. Think about grocery stores. There’s a reason food companies pay for prime shelf space: The more likely we are to see a...
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In Nudge, Richard H. Thaler and Cass R. Sunstein propose a series of reforms—“nudges”—that can help policymakers and other choice designers lead people to make better choices without restricting their freedom to choose. Thaler and Sunstein’s premise is that no choice is ever neutral because the way a choice is presented, even if randomly, affects the way people engage with it—and so governments, private companies, and other entities should frame options in ways that can improve people’s decisions. Thaler and Sunstein call their approach to designing choices “libertarian paternalism,” which implies the freedom of libertarianism combined with the good will of paternalism.
In this guide, you’ll learn how flesh-and-blood humans differ from the humans studied in economics, why people make bad investment choices, and how Thaler and Sunstein propose to revitalize the institution of marriage (by abolishing it). You’ll also find commentary on the psychological research underlying Nudge’s concepts as well as more recent data that sheds new light on Thaler and Sunstein’s findings.
Richard H. Thaler is the Charles R. Walgreen...
In Nudge, Richard H. Thaler and Cass R. Sunstein propose a series of reforms—“nudges”—that can help policymakers and other choice designers lead people to make better choices without restricting their freedom to choose. Thaler and Sunstein’s premise is that no choice is ever neutral because the way a choice is presented, even if randomly, affects the way people engage with it—and so governments, private companies, and other entities should frame options in ways that can improve people’s decisions.
In this first part, we’ll examine some common biases that Thaler and Sunstein argue drive people to make poor decisions, we’ll give an overview of libertarian paternalism, and we’ll look at when Thaler and Sunstein think nudges are needed.
Thaler and Sunstein argue that people have evolved to make snap decisions in a wide variety of areas in order to save time and mental energy—we’re more likely to survive if we rely on rules of thumb (largely accurate guides based on experiences in similar situations) when deciding—for example, whether an animal is a threat (if we spend time carefully analyzing it, we might be eaten before reaching our...
According to Thaler and Sunstein, the most effective way for choice designers to influence choosers’ decisions is through the educated and purposeful design of choices. They outline six techniques—anticipating error, offering defaults, emphasizing outcomes, drawing maps, narrowing the field, and offering incentives—that can be applied to some of the most difficult and momentous choices people face to help them make better choices.
(Shortform note: In fact, all nudges are essentially a form of anticipating error: They respond to—and attempt to disrupt—particular habits in decision-making that lead us astray. The six techniques are tools to help manage that instinctive error.)
Parents use these six techniques intuitively. (Parents, whether they realize it or not, are seasoned choice designers.) How do parents nudge their children toward more healthy food choices, for example?
Apply choice design in your own life.
Think about a choice that you’ve recently presented to someone in your life. (It can be as simple as asking someone what they want for dinner!) Write down the choice and to whom you offered it.
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The first of the four choice design techniques we’ll examine in detail is Thaler and Sunstein’s most versatile nudge: the default—that is, the choice that’s automatically made if the chooser does nothing.
The theory underlying this style of nudge is people’s innate status quo bias. Thaler and Sunstein apply the default nudge to a number of areas, including retirement saving, investment choices, and organ donations, each of which is detailed below.
(Shortform note: While Thaler and Sunstein advocate using the default choice technique to nudge people toward their best interests, it can also be used to get people to act against their interests and in favor of “nudgers.” For example, in the 2020 US presidential election, both parties came under fire for using an auto-checked box on online donation forms authorizing weekly recurring donations—which many donors failed to notice until they’d committed thousands of dollars.)
Thaler and Sunstein note the troubling economic trend among Americans of declining savings. In 2005 (when Nudge was...
Design some personal defaults to defeat inertia.
List some examples of defaults in your own life (do you tend to always buy the same brand of milk, clothing, or car?).
A carefully chosen default combats the human tendency toward inertia and the status quo, but how can a choice designer help active choosers navigate complicated decisions?
One way, according to Thaler and Sunstein, is to draw the choosers a map to help connect particular outcomes with particular choices.
To help choice designers effectively draw a map, Thaler and Sunstein advise that regulators mandate transparency programs whereby companies would be required to provide consumers with more—and more clearly organized—information about their products so that consumers can better compare choices and make the right decision.
By presenting us with clearer information, a transparency program could help combat our tendency to use rules of thumb.
From mortgages to student loans to credit cards, Americans are some of the most indebted people on the planet. (Shortform note: Although not as indebted as some. As of 2020, according to data from the Organization of Economic Cooperation and Development (OECD), United States households are in the middle in terms of debt. Households in Spain, France, Canada, and the...
Bring transparency to your personal finances by carefully examining your current financial tools and comparing them with alternative options.
Do you have a credit card? More than one? List the number of credit cards you have and the amounts owed on each. (If you don’t have a credit card, you might list any other revolving debt obligations you have.)
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The most versatile nudges Thaler and Sunstein suggest are defaults and transparency programs, so it should come as no surprise that those are the nudges that get the most attention in the book.
That said, Thaler and Sunstein also describe an array of additional nudges, among them (1) narrowing the field of choices and (2) offering incentives.
Thaler and Sunstein believe in people’s right to choose (hence the libertarian half of libertarian paternalism). But they also recognize that too much choice can be overwhelming and counterproductive. (Shortform note: Researchers refer to this as choice overload or the Paradox of Choice: We want more options because we think it maximizes our chances of making the best choice, but having too many choices paralyzes us.)
Medicare Part D, for example, offered seniors an incredible breadth of choices—but too little direction in terms of discerning among them. Another example: When Sweden partially privatized its social security program in the 1990s, it went the maximization route, offering Swedes up to five choices...
Toward the end of Nudge, Thaler and Sunstein apply libertarian paternalism to some hot-button issues in American society, including tort reform and the institution of marriage. They also round out the book with a series of miscellaneous nudge ideas, two of which we’ll review below.
An evergreen topic among health policy researchers is the excessive cost of health care in the United States. (Shortform note: Compared to other economically developed countries, the US is an outlier in terms of the expense of health care. For example, in 2019, the US spent 16.8% of GDP on health care while the UK spent 10.2%, Canada spent 10.8%, France spent 11.1%, and Germany spent 11.7%. The UK, Canada, France, and Germany all have robust social insurance programs that include publicly funded health care systems.)
One of the causes of these high costs, claim Thaler and Sunstein, is malpractice insurance. The logic goes something like this: If doctors no longer had to purchase expensive liability insurance to protect themselves from being sued, they could offer their patients—in reality, their patients’...
Think through Thaler and Sunstein’s provocative nudges.
Do you think patients should be allowed to waive their rights to sue for medical malpractice? Why or why not? Would you waive your rights to sue for a discount?
Have some fun creating your own nudge.
Which of the nudges you’ve read about so far is your favorite? Why?


text: Self-assembly of nanowires into micro-scale patterns, especially in a controlled manner, has received increasing research interest because of the wide variety of potential applications, including micro-optics and electronic devices, as well as nanomaterials-based energy conversion systems. In this contribution, a novel laser-assisted solution spreading method was developed to fabricate and self-assemble alumina nanowires (ANWs) into large-scale 3-dimensional (3D) micro-patterned surfaces in one step. Here, sodium hydroxide (NaOH) solution played a dual role, both chemically etching the anodic aluminum oxide template (AAO) into ANWs and self-assembling the as-obtained ANWs into micro-patterns under capillary force. It is notable that the micro-scale patterns can be artificially controlled by introducing laser points before solution spreading on the AAO template, and thus the laser-etched area will act as the fixation point during the ANW assembly process. Moreover, the as-prepared micro-patterned ANW film exhibits typical micro-/nano-hierarchical surface topology and shows superhydrophilicity. The film can be transformed into a superhydrophobic surface by chemical modification with 1H,1H,2H,2H-perfluorodecyltriethoxysilane (FAS). Here, by taking advantage of wetting and dewetting processes of a solution on an AAO template, we propose a facile method that enables the fabrication of 3D micro-patterned ANW surfaces, which have superwetting properties. We envisage that this method could shed new light on the fabrication of functional micro-patterned devices where a one-dimensional nano-material and solution phase are involved.

domain: literature


Fishes are great pets, and some kids are super easy to take care of. They are kept in a glass tank called an aquarium. Some fishes come from warm waters, so the tank needs an underwater heater that automatically adjusts according to the weather and keeps the temperature perfect. If you are a new aquarist, prefer getting a 20 gallon rimless aquarium which is perfect and is large enough to have a significant section of fish but small enough to maintain it. A 20 gallon rimless tank allows you to keep a great variety of fishes, live plants, and inhabitants such as snails or shrimps.
Table of Contents
PETS THAT CAN LIVE IN A 20 GALLON RIMLESS TANK
20 gallon rimless aquarium makes great enclosures for various pets, including reptiles, fish, invertebrates, amphibians, and mammals.
While all crocodiles and turtles are too large for a rimless 20 gallon long aquarium, a variety of snakes and lizards can survive in this type of tank. The snakes that can live nicely in a 20 gallon rimless aquarium are red milk snakes, hognose snakes, and rough green snakes.
A variety of salamanders and frogs live well in a 20 gallon long rimless aquarium. You can use this 20 gallon tank for aquatic and terrestrial species such as American toads or fire-bellied toads. If you decide to keep aquatic frogs in a 20 gallon rimless tank, you will have to install filtration and water heater equipment. Remember that many marine species need a small land area in their habitat.
These tanks are an excellent place for invertebrates. It also offers ample space for you to decorate it as per your wish. Moreover, you can also add some live plants and soil to create a typical marine environment. You could also fill the tank with sand and small pebbles to create a friendly environment for invertebrates such as hairy scorpions. Make sure to use a mesh lid when placing any invertebrates inside the tank.
A number of fishes can live in 20 gallon aquariums. Although, it is quite challenging to do so. Hence, we recommend you keep saltwater fish species in this tank. Whether you opt for freshwater or saltwater fish, avoid overcrowding the tank. Some of the suitable fishes are platys, zebra danios, red-tailed sharks, and bronze cory.
20 gallon aquariums are best suited for small rodents like hamsters and mice. Make sure to use a lid for ventilation. Rodents survive at optimum room temperature. So, avoid keeping them under heat sources or sunny indoors.
WHY ARE RIMLESS TANKS SO EXPENSIVE?
Rimless tanks are so expensive because they have glass that is polished and slanted which increases its labor and cost. They are also divided differently as the rim acts as a support against the increasing cost.
HOW TO PICK THE RIGHT 20 GALLON RIMLESS AQUARIUM
- Firstly, you need to decide how large of an aquarium you need. Think about your goals and about the fish you have in mind.
- Secondly, do a bit of research work and ensure which rimless tank you need, and it will suit your fish and other inhabitants.
DIMENSIONS OF A 20 GALLON FISH TANK
The dimensions of a 20 gallon high fish tank are 24 inches x 12 inches x 16 inches, and it weighs around 225 lbs.
The dimensions of a 20 gallon long fish tank are 30 inches x 12 inches x 12 inches and weigh around 225 lbs.
Choosing the right rimless tank is no rocket science. You can choose it easily if you have adequate knowledge about your fishes and their habitat.


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Dalton - Yucaipa, CA
Have been dealing with J & M for 10 years. They are the best!
Working on Carrier split system in Yucaipa.
Working on carrier doing maintenance
Performing heating and cooling inspection on a Carrier package unit in Yucaipa.


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Hi Mary and Anthony, I received my canvas yesterday - thank you so much. It is exceptional and I love it. I would like to tell you that I would definitely buy from you again. Thanks again.
Just wanted to send a note to tell you how pleased I am with the canvas I purchased. I ordered 'A New Morning' with added brushstrokes. I can't believe how brilliant the colors are. Your process really works.Thanks again
Good Morning, Just wanted you to know how much I enjoy the Dragon Maiden canvas. She is hanging with the other 2 ladies--by Ju-Hong Chen. Many thanks for making this possible! Best
Wrona was very impressed with the quality work you do. Still deciding on our next purchase but wanted to share some interesting news with you. Angelina Wrona, the artist from the first canvas transfer we purchased from you, was in North Bay last night! I got to meet and chat with her and I brought your canvas transfer with me to get it signed. She said that she was very impressed with the quality work you do! Thought it would be a nice compliment coming from the Artist herself. I'll e-mail you a picture of the signature.
I got my canvas yesterday (Michael O'Toole A Day's End) I am extremely pleased. I will be ordering the rest of my collection within the week. Thank you soo much for the great service.

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TMT to restart Park Avenue West
Construction will resume on Portland’s stalled Park Avenue West project, but there’s a catch: It won’t start until late 2013.
TMT Development Co. Inc.’s $100-plus million office and retail building is now slated to open in 2015. The proposed 27-story, 556,000-square-foot building is at 728 S.W. Ninth Ave. in downtown Portland.
TMT President Vanessa Sturgeon said the company has overcome one of the project’s major hurdles. It secured construction financing, though it plans to keep shopping for the best terms over the next two years. No further details were released. TMT is keeping its development team intact.
The new timeline coincides with a series of major lease expirations by Portland law firms and other businesses.
The decision to restart construction sets the clock ticking on a project that has served as a visual metaphor for the recession in Oregon.
Since work stopped in March 2009 due to lack of financing, an idle construction crane has towered over an excavated pit one block west of Nordstrom. In July, Nordstrom’s landlord sued TMT over the crane. BobParr Financial Oregon said the crane intruded on its airspace. The suit, filed in Multnomah County District Court, seeks damages and legal costs.
TMT has no confirmed tenants for Park Avenue West. Its former anchor tenant, law firm Stoel Rives LLP, cancelled plans to relocate when the project stalled and inked a new 140,000-square-foot lease at Standard Insurance Center in early 2010. Office brokers believe Stoel could remain a leading candidate for anchor tenant if its lease at Standard expires in 2015.
There are other candidates, chiefly large Portland firms with office leases slated to expire in 2015 and 2016.
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Voodoo presents Quids In! If you don’t already know Quids In is the biggest Monday night in the world! They have the famous £1 drinks alongside Leeds’ finest DJ talent and an unbeatable atmosphere! The ultimate Monday night party cocktail!
What to expect:
Room 1 – Pryzm – Held in the heart of the club, the elegant and visually stunning room will be host to former Halo and Quids in DJ Adam Who? The classic Quids In mash up of the ultimate guilty pleasures sing-alongs and the infamous Quids In Karaoke 🎤
Room 2 – Curve – The state of the art low ceiling signature room, Curve is an intimate room with a sumptuous feel, bringing you your R’n’B and Hip Hop beats all night long delivered by Manny Brown.
Room 3 – Disco – The top floor of Leeds’ most exclusive super club boasts Capital’s own James Cusack playing all things Indie for the perfect alternative soundtrack.
Monday 17 September | 22:00 – Late | Pryzm | £1 – £6

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Report advises city to take youthful steps
- Jeff Bell
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Try it, you'll like it.
That's been the experience of Columbus native Mandy Bosse when she's hosted fellow twentysomethings making their first trips to her hometown. Those visitors start to see Columbus is no longer a Midwest farm town but a big city with plenty of nightlife, entertainment and sports.
"Half of the challenge is getting people here so they can understand what it is all about," said Bosse, 26, an executive recruiter at Search Consultants LLC. "They tend to come back multiple times and end up moving here."
For that to happen more often, however, the community needs to take specific steps to attract and retain professionals in their 20s and 30s, says a new report by Next Generation Consulting Inc. If it doesn't, Columbus will struggle to attract the young knowledge workers it will need to replace baby boomers headed for retirement, said Rebecca Ryan, founder and principal of the Madison, Wis.-based consulting firm.
Next Generation Consulting and volunteers since last fall have been conducting research on young professionals in a study commissioned by the ColumbusChamber, the city and several community groups and companies. Their findings and recommendations were to be unveiled April 18 at Ohio State University.
One of the key recommendations, Ryan said, is to develop a campaign to bring back former Columbus residents living in other cities. The effort would include working with area colleges to reach out to their alumni. Such a strategy holds promise, Ryan said, considering 65 percent of departed residents responding to the firm's survey said they would consider moving back to Columbus.
Columbus also needs to work harder to hold onto the young professionals who have moved to the city, she said. Her firm's research found those transplants often feel isolated. To address that, the city should form a council of the city's young professional groups to share information and provide a forum for problem-solving, Ryan said.
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Jaypee insolvency: NBCC sweetens bid, to offer up to 1,903 acres land to lenders
Earlier this month, NBCC and Mumbai-based Suraksha group submitted their fresh bids to acquire Jaypee Infratech through the insolvency process, as per the direction of the Supreme Court. According to sources, a meeting of committee of creditors (CoC) was held on Thursday to discuss the bids of both the parties.
Earlier this month, NBCC and Mumbai-based Suraksha group submitted their fresh bids to acquire Jaypee Infratech through the insolvency process, as per the direction of the Supreme Court.
According to sources, a meeting of committee of creditors (CoC) was held on Thursday to discuss the bids of both the parties.
NBCC has revised its bid to offer up to 1,903 acre land parcels, mainly in Noida and Greater Noida in Uttar Pradesh.
Sources said the process of finding the buyer for Jaypee Infratech may not be completed by the first week of May as the financial creditors are yet to decide on voting.
The resolution process may have to extended in that case, they said.
On Yamuna Expressway, NBCC has proposed to offer 82 per cent equity in the road asset to lenders and it will retain 18 per cent share.
In the 2019 bid, it had proposed 100 per cent transfer of the highway.
In earlier meetings of the CoC, lenders had asked both the interested parties to improvise their bids and provide more land parcels under the land-debt swap deal.
This is the fourth round of bidding process in the matter of Jaypee Infratech, which went into insolvency proceedings in August 2017.
Last month, the Supreme Court remitted to the CoC the issue of approval of resolution plan for Jaypee Infratech Ltd (JIL), saying no new expression of interest would be entertained for taking over the firm and only NBCC and Suraksha Realty could file revised proposals.
The apex court also directed to extend the resolution process by 45 days.
In March last year, NBCC got approval from the National Company Law Tribunal (NCLT) to acquire Jaypee Infratech.
Homebuyers' claim amounting to Rs 13,364 crore and lenders' claim worth Rs 9,783 crore were admitted last year.
The order was, however, challenged in the appellate tribunal NCLAT and later in the Supreme Court.
Jaypee Infratech went into insolvency process in August 2017 after the NCLT admitted an application by an IDBI Bank-led consortium.
Anuj Jain was appointed as an Interim Resolution Professional (IRP) to conduct the insolvency process and also manage the affairs of the company.
In the first round of insolvency proceeding, the Rs 7,350-crore bid of Lakshadweep, part of Suraksha Group, was rejected by lenders.
The CoC rejected the bids of Suraksha Realty and NBCC in the the second round held in May-June 2019.
The matter then reached the National Company Law Appellate Tribunal (NCLAT) and then the apex court.
On November 6, 2019, the Supreme Court directed completion of Jaypee Infratech's insolvency process within 90 days and ordered that the revised resolution plan to be invited only from NBCC and Suraksha Realty.
In December 2019, the CoC comprising 13 banks and around 21,000 homebuyers, approved the resolution plan of NBCC with 97.36 per cent vote in favour in the third round of bidding process.

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La Quinta Inn Radford
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Today is the last rest day of the ride. We're near Christianburg, Virginia, a town probably most famous for being the home of Virginia Tech, a big-name university just down the road.
More chillingly, the University was the site of a murder-suicide which left 32 students dead in 2007. I'm sure you heard about it in the news at …
... to make a loop. But we weren’t sure if Casey and any others would be arriving later, so we hiked in the opposite direction to maybe run into them. We hiked the upper trail which follows an old roadbed upstream along Little Stony Creek high above. It’s up on a ridge above the creek, so we couldn’t see the creek while hiking, but there were some nice rock formations along the trail. We also saw a cute little chipmunk on some ...
... and then headed up past the waterfall. There were a bunch of small cascades where the water flows over deposits from the creek. We continued on and turned right at the next fork to follow the red-blazed Chamberlain Trail up to the top of the ridge. The trail is moderately steep, but nothing too strenuous. At the top, the trail makes a short loop around the summit, but the dense vegetation at the top prevented any ...
I'm back at school again. Mom drove down which was nice since I haven't been passenger on the 7 hour trip down in years. I'm loving the freedom I have again. Don't get me wrong, living at home has its perks, but it also has its disadvantages. Going from totally free and independent to rules set by your parents wasn't a smooth a transition as I ...
... a group of bikers who had used Radford as their base for week to go on daily rides.
Must admit, even though I was really tired when I finally crossed the border into Virginia, the ride over the mountains and the surrounding scenery was pretty impressive.
Well I am now up to date with the blog.

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WingFest 2012 in New York was epic. See for yourself. That said, BroBible, in conjunction with Streaker Sports, is pleased to announce our first WingFest D.C. 2012. Last year's day of wing gluttony was an incredible success so this year we're bringing the party to both New York City (Sept 29, 2012) and Washington D.C. (October 13, 2012). The parties will feature 3 hours of all-you-can-eat wings from the best venues in each city and all-you-can-drink beer made from the choicest hops and barley. To purchase tickets to WingFest in D.C. GO HERE!
Washington D.C. WingFest Lineup and Details
Date: October 13th, 2012
Place: George | 3251 Prospect St, NW | Washington, DC 20007
Cost: $45 for General Admission Ticket (includes 3 hour open bar & all-you-can-eat wings)
2012 Participating Restaurants:
and more to come...
To get your WingFest 2012 tickets GO HERE. Or type in www(dot)wingfestseries(dot)com into your browser.


Benchmade 3150 Impel
About Benchmade 3150 Impel
The Benchmade 3150 Impel is a compact and versatile folding knife that is perfect for everyday carry. With a blade length of just 2.98 inches, it is small enough to fit comfortably in your pocket but still packs a powerful punch. The blade is made from premium CPM-S30V steel, which is known for its excellent edge retention and corrosion resistance. It features a modified drop-point shape with a plain edge, making it ideal for a wide range of cutting tasks.
The handle of the Benchmade 3150 Impel is made from lightweight and durable G10, which provides a secure and comfortable grip. The knife also features Benchmade's patented Axis Lock mechanism, which allows for easy one-handed opening and closing. This mechanism is incredibly strong and reliable, ensuring that the blade stays securely in place when in use. The knife also includes a reversible pocket clip, allowing you to carry it tip-up or tip-down, depending on your preference.
Overall, the Benchmade 3150 Impel is a top-quality folding knife that is perfect for anyone who needs a reliable and versatile tool for everyday use. Whether you need to open boxes, cut rope, or perform any other cutting task, this knife is up to the challenge. With its premium materials, comfortable grip, and easy-to-use Axis Lock mechanism, it is sure to become your go-to knife for years to come.
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Premier Financial (NASDAQ:PFC) Releases Earnings Results, Beats Expectations By $0.34 EPS
Premier Financial (NASDAQ:PFC) announced its earnings results on Monday. The company reported $1.10 earnings per share for the quarter, beating the Thomson Reuters’ consensus estimate of $0.76 by $0.34, MarketWatch Earnings reports. Premier Financial had a net margin of 15.58% and a return on equity of 9.61%.
NASDAQ:PFC opened at $31.70 on Wednesday. The company has a debt-to-equity ratio of 0.12, a current ratio of 0.99 and a quick ratio of 0.95. The firm has a market cap of $1.18 billion, a price-to-earnings ratio of 22.81 and a beta of 1.47. The company has a 50 day moving average price of $33.05 and a 200-day moving average price of $26.52. Premier Financial has a 1-year low of $12.79 and a 1-year high of $35.90.
The company also recently announced a quarterly dividend, which was paid on Friday, February 19th. Stockholders of record on Friday, February 12th were issued a dividend of $0.24 per share. This represents a $0.96 annualized dividend and a dividend yield of 3.03%. This is a positive change from Premier Financial’s previous quarterly dividend of $0.22. The ex-dividend date of this dividend was Thursday, February 11th. Premier Financial’s payout ratio is 37.94%.
A number of analysts have recently weighed in on PFC shares. Piper Sandler restated an “overweight” rating and issued a $25.50 price target (down from $26.50) on shares of Premier Financial in a report on Monday, December 28th. Zacks Investment Research upgraded shares of Premier Financial from a “hold” rating to a “strong-buy” rating and set a $33.00 price target on the stock in a report on Thursday, February 4th. Finally, Raymond James lifted their target price on shares of Premier Financial from $22.00 to $30.00 and gave the stock an “outperform” rating in a research note on Thursday, January 28th. Three research analysts have rated the stock with a buy rating and one has assigned a strong buy rating to the stock. The stock currently has a consensus rating of “Buy” and an average target price of $28.63.
About Premier Financial
Premier Financial Corp. operates as the holding company for Premier Bank and First Insurance Group that provides community banking and financial services. It offers checking, savings, money market, and term certificate accounts, as well as certificates of deposit; residential and commercial real estate, mortgage, installment, commercial, home improvement, home equity, consumer, and auto and vehicle loans; debit and credit cards; trustee services; and various insurance products, such as auto/vehicle, health, homeowners, and life insurance, as well as property, liability, business vehicle, cybersecurity, risk management, and employee group plans.
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On move-in day, waves and waves of SUVs will crash and break around the residence halls. Dads dressed in polo shirts tucked into khaki shorts, moms with J. Crew sweaters around their necks and wide-eyed students will swim around, depositing all the possessions that students just can’t live with out.
Finally, the tide will recede, leaving behind a mass of excited and nervous freshmen like castaways stranded on some enchanted island.
Well, moderately enchanted, anyway. The real magic happens in the little place next door to campus – the place your parents dread and you see as a modern-day Candyland.
Welcome to Isla Vista.
I’ve worked summer Orientation for the past two years, and I could bet my paltry paycheck on the fact that a good number – if not the majority – of freshmen made their way down to I.V. at night to sneak in a little preview of life to come.
They’d duck out under the cover of darkness, dressed in their finest threads with their nametags still firmly pinned to their shirts and wander about the streets in search of a party, a keg, cough syrup, anything with an alcohol content.
A few would find it and stumble back to San Miguel at four in the morning, drunk, happy and utterly clueless about I.V. My summer with Orientation, we had one junior jerk-off run in with the IVFPD and spend the night in the drunk tank.
It’s sad to say, but these are the people who drag I.V.’s name through the mud. Their parents can’t look past the easy access to booze, the shoddy apartments and the homeless to see that, yes, a town exists here as well.
I’ve lived in I.V. for two years, going on three, and I feel like one of the lost boys. I.V. has everything I could ever want or need, and the thought of leaving makes my asshole pucker.
It’s the only place I’ve ever known where I can roll out of bed in the morning, walk two blocks for a fantastic breakfast, hit the ATM and cruise off to class on foot. I can spend my evenings at a clean, well-lit place, reading my books for class or engaging in pretentious college conversation.
All my friends live within walking distance and so the walk home after a bottle of wine or a few scotch and sodas takes all of two minutes. If I don’t feel safe walking, I know I’ve got plenty of safe spaces where I can crash for the night.
Best of all, the beach is two blocks from my doorstep.
Few people come to understand the true beauty of the place.
On one of the tours I gave of I.V. over the summer, a mother from Napa, with J. Crew sweater tied around her neck, became frightened as a homeless man joined our tour and walked 10 paces with us.
Afterward, she told me how she didn’t want her daughter living in I.V. because the scary man who smelled bad might rape her. In the same breath, she asked about the best nightclubs and parties her daughter could go to.
It’s a damn shame some drunken asshole masquerading as a friend is more likely to slip GHB into her daughter’s drink downtown or at a huge kegger.
But she was from Napa, so I can forgive the blissful ignorance.
This is a great town, kids, despite what mom, dad and the L.A. Times have to say. You’re welcome to come and stay, just don’t fuck it up.
Steven Ruszczycky is the Daily Nexus opinion editor.


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The African National Congress (ANC) has sounded a note of warning to all members who have it in mind to contest for the coming local government election as independent candidates, saying they risk the possibility of being expelled if they do so.
The party has summed up its list of candidates expected to participate in the coming elections and has submitted them to the Independent Electoral commission to cross-examine.
But it was revealed that some party members who are yet to become Councillor candidates are planning to stand in as independents and the party’s Kwazulu Natal chairperson Sihle Zikalala has warned them that such actions would only mean a personal decision for the individual to leave the party.
Zikalala said this while in Pietermaritzburg City Hall on Thursday evening to commemorate the 40th anniversary of the June 16 uprising. The event was organized by the ANC Youth League and the ANC in the province.
“If you see that your interests are above those of the ANC, then you can happily leave. If you stand as an independent you must know that you are gone from the ANC. You will have expelled yourself from the ANC,” Zikalala said.
Zikalala’s declaration echoes that of the party’s spokesperson Pindile Miza who resounded this warning following the information by two ANC Councillors from Mbashe local council who confirmed to the Daily Dispatch they would stand as independent ward Councillors.
Mbhashe’s ward 25 Councillor Nomzi Mndende and ward 16 Councillor Nokanyo Magatya confirmed they had both registered with the Independent Electoral Commission (IEC) as independent candidates following a fall-out within their respective branches over the process followed to choose ward Councillor candidates
The Dispatch reported last week that on the last day of registration, at least 26 ANC members in Dr WB Rubusana region, formerly Buffalo City Metro region, had registered as independent candidates.
“All those that have registered as independents have effectively expelled themselves. The comrades in question are no longer members of the ANC,” Miza said
Meanwhile, Councillor Nokanyo Magatya defended her decision to stand as an independent candidate saying it was motivated by people from her ward who were not satisfied with the processes followed when compiling the candidates’ list.
“Branch members have voiced their frustration with regards to the list, two community meetings followed after those complaints but they both collapsed before there could be any resolution,” she said.
In reaction to this, Zikalala maintained that independent candidate who wanted to return to the ruling party would not be allowed back in as no amount of dissatisfaction should lead to party members standing as independent candidate, as this amounted to opposing the ANC.


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Above, a rendering of Artlantic
“Artlantic: wonder,” the $3 million first phase of the five-year project curated by Lance Fung, has been installed in two sites situated along the boardwalk. The first is a seven-acre empty lot—long an eyesore—that’s been landscaped into an undulating amphitheater of grass and wildflower. The site’s green haunches, featuring brightly-colored text installations by the artist Robert Barry, feel womblike—a metaphorical embrace of the community, to Fung’s thinking. At one end is a sculpture garden designed by the wild-maned New York artist Kiki Smith, which houses her 2003 piece “Her,” a sculpture of a woman holding a fawn, and which will bloom a vivid red come spring. Docked at the other end of the site is a massive sunken pirate ship littered with chests of golden treasure—catnip for the kiddies. It’s the work of the seminal Russian conceptual artists Ilya and Emilia Kabakov.
Artlantic's John Roloff-designed stage
A second smaller site, right atop the boardwalk, features John Roloff’s bold, graphic stage, where the Atlantic City Ballet performed during the preview ceremony on Friday. When I was given a tour the day after the show, a hoodied local on the boardwalk stood peering at the Op Art backdrop for a long time. Finally, he called out to us. “Hey! What is that thing?” he asked.
He took this this rather unhelpful reply in perfect stride. “When’s it open?” he asked, already impatient. “Soon?”


Source: Persistence of Sound.
For many years Langham Research Centre have been performing indeterminate music by John Cage, Christian Wolff and others. Their own works have developed ideas from this experimental tradition as well as musique concrète and post-war European electronic music. John Butcher has always had an interest in electronic music and the works of post-war Modernist composers. In the context of this release he thinks of his performance as similar to tape-splicing, so that a direct tactile connection is made between the concrète/electronic soundworld and the unparalleled acoustic qualities of the saxophone produced when he is playing.
Richard Orton (1940 – 2013) was at the vanguard of the home-computing democratisation of electronic music in the mid-1980s, authoring software as a co-founder of the Composers Desktop Project in 1986, and introducing Music Technology as a discipline to the University of York that same year. Hemlock Stone showcases Orton’s electroacoustic music, giving prominence to an often-overlooked figure in electronic music.


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3/5/23 - Daily Check-In
Good morning and welcome to today's coverage here at JetsFix.com.
Let's kick off today with some Jets links:
NY Post: Woody Johnson attended the latest Derek Carr meeting
NJ.com: Is Carr about to sign for the Saints?
Jets Official Site: The Jets feel good about Quinnen Williams contract talks
Sports Illustrated: Sauce Gardner shows up at the combine
ESPN: The Jets need to overhaul their blocking
To follow JetsFix.com on twitter go here and to participate in our live chat go here (password: jackattack).

domain: sports


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Chris Lammons (Fort Lauderdale, Fla./Plantation), the No. 86-ranked player in the country, announced Wednesday that he will sign with South Carolina. The four-star athlete, a former Florida commit, chose the Gamecocks over Wisconsin.
23hSam Khan Jr.
6dEdward Aschoff and Sam Khan Jr.
7dEdward Aschoff and Sam Khan Jr.
8dSam Khan and Edward Aschoff


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Nightworker Medical – Nightworker medicals must be offered by employers to all employees who perform nightworking on a yearly basis. This is where staff regularly work at least 3 hours during the night period of 11pm – 6am. SOH vanilla – Occupational Health can provide annual Nightworker medicals / health assessments to determine if an employee is fit to undertake night work and assess whether the work will have an effect on their health. Assessments can be completed in a paper or face to face format. Any assessments will be completed at a time that allows the minimum of disruption to the workforce.
On Employment Screening – we are able to assess or complete employment medicals on new employees as part of your on employment or post recruitment process. This ensures that reasonable adjustments are in place to ensure management of any underlying health conditions the employee may have that could affect their ability to work. Depending on your specific requirements SOH vanilla – Occupational Health can complete the assessments by paper, telephone or face to face. Any recommendations will be provided in line with The Equalities Act 2010.

domain: health


1Feasibility: During this phase, discussions are in progress to determine if the drug development tool has sufficient priority based on its potential impact on public health and value to both the industry and regulatory agencies to justify launching a project to proceed toward a regulatory qualification submission.
2Scoping: During this phase, the project’s goals, objectives, deliverables, timeline, and budget are being developed.
3Research: During this execution phase the project team is actively engaged in carrying out the research plan.
4Submission: During this phase, a qualification dossier that reports the results of the research project and supports the context of use of the novel drug development tool is being prepared and will be submitted to the agency as indicated by the color code.
5Endorsement: During this phase, the regulatory agency is reviewing the submission and will issue an opinion regarding the proposed utility of the novel drug development tool. When qualification decisions are made, links to the regulatory decisions will be provided at this site.


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Woodheads offers a full buy back service, trading in grain and pulses from existing customers
If you're thinking about saving your own seed for future use, then think about having it professionally cleaned and treated by Woodheads Seeds.
A full copy is available on request
Woodheads Seeds Limited have now been trading for over 200 years. We are now Yorkshire's largest independent seed merchant.
We offer a complete service from supplying high quality certified seed to offering full buy back provision. In addition to this we offer cleaning of your own seed at our plant and we can supply fertilizer at competitive rates . We supply cereals, herbage, OSR, pulses, gamecover crops, root seeds and fertiliser. We buy milling and feed wheat, malting and feed barley, feed oats, OSR and linseed
We are able to set very high standards of seed production and processing through the relationships we have built with our growers. Many of our growers have been producing for Woodheads for more than 30 years.
All cereal seeds are grown by local growers with Fera controlled regulations administered in house.
Although 90% of our seed comes from Woodheads growers, we look for the best seed at the best value when we buy additional stocks. As members of PRISM (Private Retail Independent Seed Merchants) we are able to deal directly with Plant Breeders and we are often able to offer EXCLUSIVE varieties. It is also interesting to note that 20-25% of cereal seed trade in the UK is through PRISM members.
The Woodheads reputation is based on the quality of our seed output and on putting the needs of our customers first. We offer the highest quality cereal seed and superlative grass seed for both agricultural and amenity use All of our seed goes through rigorous DEFRA Standard inspections and is independently tested.
Woodheads Seeds Ltd are now a part of the Wynnstay Group of Companies, committed to value enhanced supply to the Agricultural Trading Industry.
We would like to take this opportunity to say thank you to all our customers and suppliers for their continued support and look forward to being able to provide a service for you in the coming years.

domain: agronomy


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BLOG ENTRIES FOR JANUARY 2007
Entries are sorted in chronological order with most recent entries at the bottom of the page.
Sorry about having a break in the middle of my series. I kinda didn't mean it cos' I had to get ready for Christmas-all the family over, phew- then i spent last week with my cousin. Anyways My New Years ...
Well first the sad news-I'm moving into semi-retirement as a fanfic writer on this wonderful site. (After an illustrious career of one series).
When I say semi it's becuase I might put a couple of things ...
ENTRIES THIS MONTH
All FIREFLY graphics and photos on this page are copyright 2002-2012 Mutant Enemy, Inc., Universal Pictures, and 20th Century Fox.
All other graphics and texts are copyright of the contributors to this website.
This website IS NOT affiliated with the Official Firefly Site, Mutant Enemy, Inc., or 20th Century Fox.

domain: hobby


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In Honor of National Ice Cream Day...
If you're a foodie like me (or simply an ice cream lover...also like me...), you will already have known that today, July 21, is National Ice Cream Day. As if we needed another excuse to eat ice cream (helloooo, 115 degree heat index!), National Ice Cream Day is another one. In honor of this super sweet 'n special food holiday, I'm sharing one of my favorite things ever--a recipe I created by ACCIDENT close to 4 years ago now, which has since become my breakfast every morning without fail. I call it "Protein NICE Cream," because it's high in protein, and it's nice to your body (and your taste buds), by packing nutrients, vitamins, protein, and...VEGGIES! This recipe is not only a quick, easy, and delicious snack or meal starter (cause who doesn't eat ice cream for lunch?!), it's also a simple way to get a hefty dose of veggies (and protein) without gnawing on a huge salad, or downing multiple protein shakes, which, for some of us (like myself now, post-surgery...I can't eat most fruits and veggies unless they're juiced or blended), is just not an option. Either way, this is an all-GI-tracts-welcome recipe that's sure to please (and trick!) even the pickiest of eaters! Enjoy!
Anna's Amazing Protein NICE Cream
1. 2 cups frozen chopped cucumber (or zucchini, but it will be green...which is fine, but if you're making this as a way to hide veggies from your kiddos, it might set off the nasty alarm for them)
2. 6 ice cubes
3. 1/2 cup plain egg white protein* (I use NOW Supplements brand)
4. Sweetener to taste (I use liquid stevia)
1. Add all ingredients to high-speed blender (like a Vitamix) in the order listed.
2. Secure blender's lid and begin blending, starting on low speed and gradually working up to highest speed, using tamper to aid in "creaming."
3. Remove lid and scoop into bowl. Stick in freezer for 5 minutes to firm up a bit, if desired.
4. Add toppings of choice (if any) and enjoy!
*NOTE: Using other proteins (other than egg white protein) is not recommended, as egg white protein has a unique "fluffing" aspect that other proteins do not have, which is one of the reasons this recipe is so similar in consistency to real soft-serve ice cream. If you'd prefer a plant-based protein, the one I have found to work the best is Garden of Life Sport Plant-Based Protein Powder (vanilla or chocolate), but it will NOT have the same consistency and will be much, much harder to blend. Whey, whole egg, collagen, etc. proteins will NOT work at all.
Until next time...
Stay happy, healthy, and hopeful,
Dr. Anna R. Johnson, ND/CNS

domain: food


- OIL-STAINED: Tim Griffin
Blue America, a liberal political group is raising money for ads opposing particularly terrible Republican candidates by asking contributors which they’d like to see their money used against.
One choice? ” … ex- GOP hitman and Karl Rove’s special DOJ houseboy, disgraced U.S. Attorney, Tim Griffin. ” Blogger Digby explains:
Just make a donation on the page dedicated to the culprit of your choice. If you click on the picture below (not the link, which will take you to a post or site explaining why they are on this page in the first place) you go directly to their Blue America donation page. Because we’re progressives and not conservatives, a one dollar donation equals the same single vote as a one hundred dollar donation. Now, one of the great aspects of this is that each one of these exceptionally bad Republicans has an exceptionally good Democrat running for the seat. Believe me, that isn’t easy to find. I mean, Republican John Boozman in Arkansas, for example, is just terrible but his Democratic opponent, Blanche Lincoln, is just as bad. We won’t be offering any Hobbesian choices like that. In Arkansas, to stick with that state as the example, the woman running against Griffin is state Senate Majority Leader and proven progressive Joyce Elliott.
So, we’re happy to announce that all of the money raised through this little contest will be used to help voters understand that there’s a difference between the Republican and the Democrat running for the seat that gets the most votes. Who do you think is the worst of the worst?
Links lay out some of the dirty oil money flowing from Texas into the Griffin campaign.
PS — You did read Ernest Dumas’ full recitation of the Griffin record, didn’t you?


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- Legal Articles
- Ask Elhais
January 16, 2020|
Abusive behaviour at home is a worldwide issue crossing national boundaries just as financial, social, and racial issues. This issue isnt just broadly scattered, yet its rate of such activity is broader than we think, making it a common and acknowledged conduct. Domestic violence in the home is deep-rooted and has serious impacts on the well-being of an individual especially women and is colossal to the society we live in.
Family Lawyers of Dubai describes domestic violence as a misuse of power by an adult in a relationship to monitor or control the other. It establishes fear in the mind of another individual through violence or other forms of abusive behaviour. It may constitute assault, battery, financial abuse, sexual assault, social abuse and more. Importantly, anyone can be a victim of domestic violence be it spouse, children, grandparents or another family member.
UAE law considers domestic violence a serious felony and the damage incurred by the other person can have serious consequences on their daily life or routine. Aggressive behaviour at home can incorporate sexual maltreatment, terrorizing, dangers or hardship in performing day to day human exercises and rights. On the off chance that you are indicted for aggressive behaviour at home, you should confront the competent authority or lawyers in Dubai to impose strict penalties on the accused.
Although the UAE does not have explicit laws to protect women against domestic violence or aggressive behaviour in the home. However, UAE is a signatory to the UN Convention on the Elimination of any form of Discrimination against Women (CEDAW). Importantly, the UAE government mandates the officials to publish laws or statistics to prevent domestic violence in the country. Further, the government should lay down rules and regulations for police authorities to not discourage women from filing a complaint against their husband for domestic violence.
On the other hand, UAE criminal Law lays down provisions for the crime of assault which is applicable to domestic abuse. However, the country still does not have regulations with regards to procedures through which police officials should register a complaint against the spouse for domestic abuse. On the contrary, Article 53 of the UAE Criminal Law allows the husband to chastise his wife or children to a certain degree as permitted under the Law of Sharia. Likewise, Article 56 of the UAE personal Status Law mandates the wife to obey her husbands command.
In spite of such laws, the UAE still prevents domestic abuse or assaulting behaviour if it leads to an inability to perform regular activities or any physical marks.
Being an active member of CEDAW, the committee of CEDAW asked UAE authorities to issue legislation preventing domestic abuse or violence and to ensure that it is constituted as a criminal offence. It further stressed upon drafting reports to understand the statistics of domestic violence cases and to enhance knowledge of laws among UAE women to report such gruesome activities.
Stepping out of an abusive relationship is certainly not an easy task. However, lawyers of UAE are always there to assist you. You must learn to safeguard yourself first and always be prepared for any consequences, whatsoever.
The above information might not apply if both parties are non-muslim. Starting from the 1st of February 2023, UAE issued specific family law to be applied between non-muslim expatriate residents in case none of them wanted to apply his/her home country's law in the UAE. To know more information about this law, please feel free to click this link.
Copyright © of this article is retained by the author and/or other copyright owners. We explicitly grant you permission to download a copy, without any alteration, of this article for personal non-commercial research or study, without prior permission or any charge. This article can be utilized on your website or for marketing, however, we grant you permission to host this article on your website and no other rights. This content should not be altered in any way or sold commercially in any format without prior permission of the copyright holder. During reference of this article, full biographic details entailing the name of the author, his designation, the institute and the publishing date of the article shall be provided.
Disclaimer: There have been recent changes/amendments in the provisions of the UAE Family Law covered in the content on this website. The views and opinions in the articles are contemporaneous with the time of its publication only and do not necessarily address any matters after the recent amendments of the law or supreme court decisions issued after the date of this publication. The content of this website contains general information and may not reflect current legal developments. Such content is designed only to give general information on the developments actually covered. It is not intended to be a comprehensive summary of recent developments in the law, treat exhaustively the subjects covered, provide legal advice or render a legal opinion. Since the law is constantly changing and since the law will vary based on different facts and circumstances, statements on this website regarding the status of a given law or legal issue may not be current or applicable to your particular situation. You should not take any action based on the information in this website. Each legal issue depends on its individual facts and different matters have different laws and regulations. We may make changes to the features, functionality or content of the website at any time.
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I owe the success of my case to Dr. Hassan's diligent approach. He remained focused, put me at ease and always went the extra mile. Dr. Hassan tirelessly put my case in the best possible light and I cannot thank him enough. I would highly recommend Dr. Hassan - I am grateful to him from the bottom of my heart.
Dr. Hassan Elhais is among the best legal consultants I have ever worked with. He has an amazing ability to reduce complex issues into a simple concept that non-legal people can understand. He consistently develops innovative litigation strategies that help us to achieve our ultimate legal goals.
...the extraordinary effort that has been exerted by the staff, and we specially thank Dr. Hassan Mohsen Alhais. Wishing your continues success & excellence...
I believe everyone should recognize what a difference Dr. Hassan Elhais work has made to people's lives; and especially to our family's life, because we will remain forever grateful to each and every one of his team.
Dr. Hassan Elhais never fears cases that involve exposure and he always gives me his honest assessment of our chances of success, which is invaluable to me.
He aided us not only in providing legal advice but also in all legal issues that required a long term strategic approach to achieve most favorable and optimum outcomes he provided us with high level of professional service.
Dr. Hassan Elhais is a responsible, reputable counsel who operates to high levels of service.
Dr Hassan Elhais is responsive, thorough and creative with his advice, and is a valued advisor and legal consultant.
Regardless of the complexity of the matter I know Dr. Hassan Elhais will consider not only legal strategy but also business practicalities in providing advice and litigation options.
I recommend Dr. Hassan Elhais to anyone who says 'I'm in legal trouble'. I was extremely satisfied with the high standard of his work. He has always been there when I have needed him and I refer all my clients, family and friends to him/his firm.
Dr. Hassan Elhais was very professional and he listened to my needs. He was very prompt, efficient and always kept me informed. Dr. Hassan Elhais's service was excellent and I would definitely recommend him to friends and colleagues.

domain: law


text: Do not think of witches with broomsticks and pointy hats when you pick up this book. These three timelines focus on women with an affinity, a close bond with the natural world This is a world of the magic of nature, how it can sustain and heal. We have Altha in the 1619s, Violet in 1942 and Kate in 2019 and the author weaves an intricate web to show us how the three women are connected, and how they discover that all share the same gifts. I don’t want to give too much away, but I really loved the way that each timeline gripped me. There was not one moment when I felt like skipping over one timeline to read the next. There was also an undercurrent of fear that clung to Kate’s story. This is a story about the power that women have and I’m sorry that I’m not writing more, I just don’t want to spoil it, i want you to discover this super debut for yourself.


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As Seen In
List of Firms
The county of Chisago is located in the state of Minnesota, and is situated northeast of the city of Minneapolis. Some of the landmarks in Chisago County include the Chisago Lakes, the Rush City Cheese Factory, and the Forest Lake Dam. The top employers in Chisago County are 3M Corporation, Fairview Health Services, and Andersen Corporation. Major highways and streets in Chisago County include Interstate 35, U.S. Route 8, and Minnesota State Highway 65. The neighborhoods in Chisago County include Lindstrom, Shafer, Taylors Falls, Center City, and Stacy.
FREQUENTLY ASKED QUESTIONS
A financial advisor in Chisago County, MN can provide a variety of services to help you with your finances. These services may include budget counseling, retirement planning, investment advice, and more. By working with a financial advisor, you can get the guidance you need to make sound financial decisions that will benefit you in the long run.
When it comes to finding the best financial advisor, Chisago County, MN is the place to be. With its wealth of financial planning resources and top-notch professionals, you're sure to find the help you need to make sound investment decisions. Not only are there plenty of advisors to choose from, but they come highly recommended by those who have used their services. So if you're looking for reliable advice and guidance when it comes to your money, Chisago County is definitely the place to be. Whether you're just getting started in your financial planning journey or you're looking for a more sophisticated approach, these advisors can help you achieve your goals and reach your retirement dreams.
A financial planner in Chisago County, MN helps people save for the future and plan for their retirement. They can help you create a budget, invest your money wisely, and make sound financial decisions that will benefit you in the long run. If you're looking for someone to help you get your finances in order, a financial planner is a great option.
Chisago County, MN residents should reach out to a financial advisor when they are ready to save for their future. Advisors can help residents create a budget and save for important life events, such as retirement or buying a home. Contact your nearest financial advisors now.
When it comes to your finances, it's important to have the right advisor by your side. A good financial advisor in Chisago County, MN will be someone you can trust to help you make sound financial decisions that are best suited for your unique situation. They should have a wealth of experience and knowledge in a variety of financial areas and be able to provide you with comprehensive advice on everything from retirement planning to estate conservation. Most importantly, they should be someone you feel comfortable working with and who puts your interests first.
The financial advisory marketplace in Chisago County, MN is thriving with a number of excellent firms to choose from. Sena Financial, Oakbridge Wealth Solutions, TrustedSource Financial Advisors and Crescendo Wealth Management are some of the top providers in the area offering advice for investments, insurance and retirement planning. With their years of experience and commitment to customer service, each of these firms provide their clients with trusted guidance on financial matters.
Most people think that the only way to get compensated for providing financial advice is through commissions. However, this is not always the case. In Chisago County, MN, there are a few different ways that advisors can get paid. One way is through commissions. When an advisor recommends a product to a client and the client buys it, the advisor gets a commission from the company that makes the product. This is how most advisors are paid and it can be a very lucrative way to make money. Another way to get paid is through fees. Advisors can charge their clients a set fee for every meeting or they can charge a percentage of the assets that they manage. This type of compensation is becoming more common as people become more aware of the conflicts of interest that come with commission-based compensation. It's important for consumers to be aware of how their financial advisor gets compensated because it can have a big impact on the advice they receive.

domain: finance


Like most women who agree to become surrogates, Jaida’s mother was described as “giving” and “loving.”
Jaida recalls that her mother was sympathetic to those struggling with infertility, always empathizing with family friends who couldn’t have children of their own. Having had easy pregnancies with her two biological children, she wanted to give a child to someone else. She’d thought that becoming a surrogate mother would allow her to help another family have a child, while also giving her the money she needed to become a stay-at-home mom to her two small children.
She was 7 years old when her mother was matched with a family in New York, far from where they lived in Kansas. Even though she was young, Jaida remembers the process well.
“I was excited for her to be pregnant again,” Jaida says, describing how she enjoyed having her mother home during the pregnancy. She remembers fondly helping her mother take photos of her growing belly to send to the eager couple in New York. But even in these memories, Jaida admits that it felt strange that the twin girls growing inside her mother’s womb wouldn’t be coming home once born.
While they were delivered healthy, their birth would mark the steady decline of her mother’s health, and three weeks later, her mother was gone.
“I just remember I lost her,” Jaida recalls, “I was sitting in a waiting area and then I went into her room and my family was in there crying. I refused to look at her, though.”
Dreams of having a stay-at-home mom shattered, and confusion, trauma and grief left in its place.
“My perfectly healthy mother was gone. I knew that it was from complications of the surrogacy.”
Since her childhood, Jaida has gone through a great deal of healing.
She doesn’t blame the parents in New York or the twins – whom she endearingly calls her ‘womb sisters’ – but Jaida admits that losing her mother left a void-like space in her family.
Jaida says she had been angry at the physicians, noting that her mother wasn’t properly informed about the potential complications that would come with surrogacy.
“The medical system failed her. She wasn’t properly warned of what could happen. The [surrogacy] agency she went through really made it sound like it was gonna be sunshine and rainbows,” Jaida says.
Since her mother’s passing, Jaida admits that she herself thought about becoming a surrogate mother because she was proud of what she perceived as her mother’s selflessness. But pushback from family warned her off of the industry, and prompted her to begin researching the ethics of surrogacy and egg donation.
“Most of my life I saw what my mother did as heroic because she grew two beautiful babies, but later realized that this tragedy could have been avoided,” Jaida says, “I have healed from the past trauma of losing my mother unexpectedly through years of therapy and my faith. It is also rare that I am very close with the family my mother was a surrogate for, which was a huge part of my healing process.”
While multiple celebrity couples have come out with announcements of welcoming a child via a surrogate, the complications associated with practice are rarely discussed.
Studies have shown that women pregnant with donor eggs have a more than three-fold risk of developing pregnancy induced hypertension and pre-eclampsia, and Lupron, used to prepare a gestational surrogate to receive transferred embryos, has been documented to put a woman at risk for increased intracranial pressure.
In addition to being carrying unique risks for the mother, children born to surrogates are much more likely to suffer from low and very low birth weights. According to a 2014 study from the Journal of Perinatology, there is a 4-5 fold increase in stillbirths from pregnancies through assisted reproductive technologies compared to those naturally conceived.
A 2013 entry in the Journal of Child Psychology and Psychiatry also affirmed that “surrogacy children showed higher levels of adjustment difficulties at age 7.”
In May, a TikToker went viral after exposing her experience being abandoned with the twins she had been retained to carry as a surrogate after the intended parents cut off contact.
The mother, who goes by Amanda, had previously been a surrogate and decided to repeat the process. She registered with a surrogacy company that connected her with a couple who lived overseas. She gave birth to twins Hannah and James in February 2021, but stated the intended parents never arrived to pick them up because they refused to go through the process of the U.S. quarantine.
- Kallie Fell, MS, BSN, RN, started her professional career as a scientist in the Department of Obstetrics and Gynecology at Vanderbilt University Medical Center utilizing a Master of Science degree in Animal Sciences with an emphasis on Reproductive Physiology and Molecular Biology from Purdue University. While assisting in the investigation of endometriosis and pre-term birth, Kallie simultaneously pursued a degree in nursing with hopes of working with women as a perinatal nurse. After meeting Jennifer at a conference, Kallie became interested in the work of the Center for Bioethics and Culture and started volunteering with the organization. It is obvious that Kallie is passionate about women’s health. She continues to work, as she has for the past 6 years, as a perinatal nurse and has worked with the CBC since 2018, first as a volunteer writer, then as our staff Research Associate, and now as the Executive Director. In 2021, Kallie co-directed the CBC’s newest documentary, Trans Mission: What’s the Rush to Reassign Gender? Kallie also hosts the popular podcast Venus Rising and is the Program Director for the Paul Ramsey Institute.


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The acclaimed Pediatric Dentist has been selected as one of the Top Rated Doctors and Dentists in Westminster, CO to be honored on a television commercial segment airing during the TODAY Show.
Online PR News – 25-April-2013 – Westminster, CO – Acclaimed Pediatric Dentist Jill Decker DDS has been selected as one of the top rated dentists in the Westminster region to be featured on a television commercial segment airing on NBC during the TODAY Show - the #1 news program in America. The commercial segments introduce the best local Doctors and Dentists in the community to promote healthcare and make the selection process easier for viewers at home.
Doctors and Dentists like Jill Decker DDS were selected by an independent research team who determined them to be the region’s highest rated healthcare specialist through patient reviews on websites such as: Web MD, Yelp, Rate MD, Health Grades, Angie’s List, Droogle and other leading independent healthcare rating companies.
One of the highest rated Pediatric Dentists, Dr. Decker operates a successful practice named Young Dentistry for Children, LLC located at 905 W. 124th Ave., Suite 190, Westminster, CO 80234. Young Dentistry for Children is privately-owned and has been in existence for more than 25 years. All affiliated doctors are pediatric dentists who live in the community and have been practicing at Young Dentistry for Children since graduating from training - ensuring continuity of care for our patients. Each patient at Young Dentistry for Children is treated as an individual, with treatment approaches tailored to meet personal needs. The practice focuses on prevention and offers complimentary initial examinations for children 18 months and younger.
Patients and their parents hold Jill Decker DDS in the highest regard. “All three of my kids have been seeing Dr. Jill for the past seven years faithfully every six months. I think extraordinarily high of Dr. Jill and her wonderful staff. Everyone is extremely professional, friendly and courteous. However, the biggest reason I love Young Dentistry is that I trust them wholeheartedly. It is obvious Dr. Jill genuinely cares about her patients and she is proactive with their treatment in order to avoid dental problems in the future. In fact, my 3 yr. old son needed fillings and sealants. This type of procedure is difficult in the office with a young child, so we chose Children’s Hospital to make it less stressful for all. This type of circumstance can be frightening for any parent, but without a doubt, we were in the best of hands! Dr. Jill is simply amazing as is her staff! A good pediatric dentist is hard to find and we feel thankful to be patients of Dr. Jill.” – Jenee, Briana, Michael and Landen Cummings
In addition to an overwhelming amount of favorable feedback and reviews from his patients, Jill Decker DDS has been awarded over the years with several top achievement awards such as: 5280 Magazine “Best Dentists” for four years.

domain: medical


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Monday’s Post-WWE Night of Champions Raw Rating
Monday’s WWE Raw episode scored a 2.96 cable TV rating, which is up from last week’s 2.91 rating.
Raw averaged 4.013 million viewers, which is up from the previous week’s 3.886 million viewers. The episode did 3.865 million viewers the first hour, 4.162 million the second, and 4.012 million for the final third hour.
Raw ranked #2 on cable TV Monday night, trailing Monday Night Football.


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Eartha Kitt’s daughter Kitt Shapiro, who maintains her mother’s legacy via EarthaKitt.com and the company Simply Eartha, expressed her appreciation: “It’s wonderful that such a talented artist like René Marie has recorded the first tribute album to my mother, helping to keep her memory and spirit alive. These classic songs deserve to be heard and loved by all generations.”
The South Miami-Dade Cultural Arts Center, designed by an internationally-acclaimed design team that includes Arquitectonica International, Inc. (architects), Fisher Dachs Associates, Inc. (theater design), Artec Consultants, Inc. (acoustics), and AMS Planning & Research Corp. (theater management), provides, for the first time, a state-of-the-art cultural venue and community gathering place in the southern part of Miami-Dade County. The Center features prominent works of art created by Miami artist Robert Chambers who was commissioned by Miami-Dade County’s Art in Public Places program to design a kinetic light wall and sculptures for the theater. The Center is an integral part of the economic and cultural development of the area, offering quality artistic programming and community accessibility.
The South Miami-Dade Cultural Arts Center is managed by the Miami-Dade County Department of Cultural Affairs, with funding support from the Office of the Miami-Dade County Mayor and Board of County Commissioners. The Center is dedicated to presenting and supporting arts and culture and providing access to the arts to the entire Miami-Dade County community.


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GHRC laments the decision earlier this week by the Nominating Commission to exclude Dr. Claudia Paz y Paz from the list of candidates sent to President Pérez Molina for attorney general.
Dr. Paz y Paz — the current Attorney General — received only 4 votes out of 13, despite the fact that she received the second highest score during the review process and is widely recognized for her professionalism and successful efforts to decrease impunity over the last three years in Guatemala.
The roster of the six finalists raises grave concerns about the independence of the institution in the future. Three of the six candidates selected have been the subject of serious objections raised by the CICIG; the other three have also been the subject of allegations from other groups.
Organizations and members from the Human Rights Convergence (Convergencia) held a press conference Wednesday in Guatemala City in which they explained the irregularities and denounced external influence in the process to elect the new attorney general.
On Tuesday, the nominating committee picked six candidates to give to the President. 6,790 citizens had signed a petition calling for Claudia Paz y Paz to be included in the final list of candidates, and members of the Convergencia called the rejection of the petition a “flagrant violation” of the rights of the Guatemalan people.
Claudia Samayoa, Coordinator for UDEFEGUA, stated that the decision represents a “pact of impunity” across three major sectors of the country: networks of organized crime, the business sector, and those who wish to avoid being held responsible for human rights violations committed during the internal armed conflict. “Obviously, these three sectors are not interested in strengthening the justice system,” said Samayoa.
Iduvina Hernández, from the organization Security and Democracy, said that the biggest challenges now will be proving that this pact of impunity won’t be the dominating factor in the management [of the Public Ministry], and second, insuring the reforms initiated by Claudia Paz y Paz continue.

domain: politics


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Yelena Mullakandova, DDS
Dr. Mullakandova graduated in 2009 with her Doctor of Dental Surgery degree from New York University. An active member of the American Dental Association, Dr. Mullakandova is proud to continue her dental education with a variety of ongoing courses. She is particularly interested in researching the latest advances in dental technique and innovation. Dr. Mullakandova has received advanced training in Invisalign® and in endodontic treatment, and has years of clinical experience.
Dr. Mullakandova looks forward to providing your family with excellent dental care so that you can enjoy healthy, beautiful smiles for years to come. A gorgeous smile is an important source of self-confidence, and Dr. Mullakandova is eager to help you reach your goals!
Dr. Zaghi received his BA degree from Yeshiva University. He then earned his Doctor of Dental Surgery degree from New York University, graduating with distinction and honors at the top of his class. He further enhanced his education by doing a rigorous dental residency program at Jamaica Hospital, being mentored, and working with the most experienced and knowledgeable General Cosmetic Dentists.
At Glendale Boutique Dental, Dr. Zaghi, and the rest of the team, look forward to meeting you and your family and promise to make your dental experience unlike any other. Dr. Zaghi is known for making dental phobia “go away” and will explain to you every procedure he plans on performing. Dr. Zaghi’s ultimate goal is to provide you with the best dental care possible and ensure that you lease with a beautiful smile.
Dr. Zaghi is a member of the American Dental Association and the New York State Dental Association. He is committed to staying current with literature and evidence-based dentistry, and thereby always providing his patients with the latest advancements dentistry has to offer. Dr. Zaghi lives in Great Neck with his wife and son and enjoys spending his free time traveling and visiting new places.
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They hold that Islam considers men and women as equals before God, but centuries of selective. Al-Shammary is one of the most vocal and high-profile religious and women’s rights activists within.
Saudi Arabia already welcomes millions of religious pilgrims each year — more than 1.8 million people visited Mecca in August alone to take part in the hajj, the annual pilgrimage that is one of Islam.
Pre-Islamic Arabia is the Arabian Peninsula prior to the emergence of Islam in 610 CE. Some of. Pre-Islamic religion in Arabia included indigenous polytheistic beliefs, various forms of Christianity, Judaism, and Zoroastrianism. was most likely the ancient city of Hajar, located in modern-day Al Ahsa, Saudi Arabia.
These incidents are often muted, however, by news media that don’t want to give the impression that these changes have something to do with Islam, which is, after all, a religion. Mosques are being.
Sep 7, 2018. Saudi Arabia, or the Arabian Peninsula before the formation of the. it will transform Saudi Arabia's religious status in the Muslim world.
What Is The Main Religion Of Vietnam The purpose of the Census is to collect basic data on population and housing for the entire. Table A.12: Some key indicators about ethnic group and religion. The King family stepped carefully up the concrete steps, through the narrow doorway and into a two-story log cabin with a. Springfield residents will have three candidates to
What religion(s) did the Arabs follow before Islam? Particularly, the Gulf region such as Saudi Arabia where the Islamic religion started, and how quickly and why.
Relations between state and Islam in Saudi Arabia have been intensively discussed. that some zealous Muslims, whose religious ardour until then had been.
Pre-Islamic religion in Arabia consisted of indigenous polytheistic beliefs, The first mention of Jews in the areas of modern-day Saudi Arabia dates back,
Saudi Arabia summoned a group of Twitter users this week in an effort to crack down on hate speech, the government’s Center for International Communication said. The Department of Public Prosecution.
Oct 8, 2009. Take the Persians: Long before Islam, successive great Persian empires. Still, it's too arbitrary to exclude religion entirely from the equation. of Palestine, American boots on the ground in Saudi Arabia, Saudi rulers under.
A Saudi Arabian man’s tweets criticizing Islam and. conservative religious folks have full control of the justice system,” Adam Coogle of the Human Rights Watch told the paper. “Judges come from.
RIYADH (AFP) – Powerful Crown Prince Mohammed bin Salman pledged a “moderate, open” Saudi Arabia on Tuesday (Oct. “We are returning to what we were before – a country of moderate Islam that is open.
Mar 30, 2019. The Arabs before Islam: a rich, exotic history on The Spectator | In his first. on building monuments at Petra and further south in what is now Saudi Arabia. but Mackintosh-Smith sidesteps religious fervour and relies on his.
Jan 26, 2015. Where does its officially policy of religious extremism come from?. The nation did not end slavery until 1962, when Salman was 27 years old. 2) Where does Saudi Arabia's ultra-conservative version of Islam, Wahhabism,
"We make history" today, tourism chief Ahmed al-Khateeb said before. Saudi Arabia," Ellen Wald, author of the book "Saudi Inc.", told AFP. "The big question is whether a significant number of.
Islam is the dominant religion throughout large portions of Asia and Africa, with. Belief in prophethood (Muhammad and the ones before him); Belief in the justice of. by Muhammad bin Abd al-Wahhab, is practiced in Saudi Arabia and Qatar.
Jul 11, 2019. Muhammad is the prophet and founder of Islam. By 630 he had unified most of Arabia under a single religion. As of 2015, there are. Muhammad was born around 570, AD in Mecca (now in Saudi Arabia). His father died before he was born and he was raised first by his grandfather and then his uncle.
In writing the history of Islam, it is customary to begin with a survey of the political, economic, social and religious conditions of Arabia on the eve of the.
Graduation Prayer For My Daughter Graduation Poems Daughter. She’s reached a milestone that recognizes her hard work and study. A Poem on her graduation from the collections of My Word Wizard celebrates her. 20 Great Bible Verses for Graduation and Graduates. by Pamela Rose Williams · Print · Email. Philippians 1:9-10 And it is my prayer that your love may
Religious Affairs Minister Lukman Hakim Saifudin, who had organized the meeting, said Indonesia and Saudi Arabia agreed. a promoter of moderate Islam, King Salman is expected to hold an interfaith.
Religion. Saudi Arabia is the birthplace of Islam, and most of its natives are adherents of the majority Sunni branch. In modern times, the Wahhābī interpretation.
Saudi Arabia’s crown. open" Islam, in a kingdom founded by ultra-conservatives and renowned for its repressive rule. "We are returning to what we were before – a country of moderate Islam that is.
Religion in pre-Islamic Arabia included indigenous animistic-polytheistic beliefs, as well as. Jubail Church in eastern Saudi Arabia. The 4th century remains are.
The Kaaba, pre-Islamic monument, rededicated by Muhammad in 631-32 C.E., multiple renovations, Located in Mecca, Saudi Arabia, it is the holiest shrine in Islam. Sultan Qaitbay, who ruled 1468-96 CE, built a madrasa—a religious.
GENEVA/DUBAI (Reuters) – The king of Saudi Arabia. sites in Islam, and for such an attack to take place there, during Ramadan, can be considered a direct attack on Muslims all across the world,” he.
"We felt that many reports about Islam and Muslims were inaccurate. Nations General Assembly session, before which he met.
Before the rise of the monotheistic religions of Judaism, Christianity, and Islam, most sacred mosque, Al-Masjid al-Haram, in Mecca, al-Hejaz, Saudi Arabia. Religion in pre-Islamic Arabia was a mix of polytheism, Christianity, Judaism, and.
More: Crackdown in Saudi Arabia shows prince tightening grip on. “We are returning to what we were before, a country of moderate Islam that is open to all religions and to the world,” he told.
"even before the advent of Islam, Mecca was a place for merchants". "It was an area of international exchange, where religion and commerce were always linked," Chantre told AFP. "Until the discovery.
Nov 29, 2017. The Najran Fort today, Saudi Arabia: Early Christians in the city of Najran were. The decades immediately before the start of the Islamic calendar. variety of Judaism” that followed some of the religion's basic principles.
Chinese authorities are bullying members of the Muslim minority Uighur community to eat and drink before. by Saudi Arabia, which carries economic and religious clout. Its king holds the title of.
Saudi Arabia has. bestowing religious sanction on the prince’s modernisation drive. Prominent Salafi scholar Ayedh al-Qarni recently issued a televised apology for his previously well-known.
So a young woman posts a video of herself in a miniskirt and barely cropped top strolling the ancient streets of Saudi Arabia, in a village of. it’s the law of the religion. According to Islam, a.
How To Get Your House Blessed By A Priest He is getting a chance to demonstrate. many different types of Catholic priests there were, so I was not sure where to go. In my uncertainty, I asked the Blessed Mother again. I said, “Mom, I’m. K.V. Turley During Pope Benedict’s 2010 visit to Britain, an open-air Benediction of the Blessed. up getting frustrated and
Allah’s design for Islam as a religion was to make. because of rivalry in soccer game. Saudi Arabia and Yemen are in perpetual warfare merely on some primordial issues which had pitched the one.
The origin of Islam can be traced back to 7th century Saudi Arabia. Islam. but to the devout Muslim, Islam began long before Muhammad ever walked the earth.


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President Obama made a major mark in civil rights history Wednesday, signing a defense bill that included a law making it a federal crime to attack people based on their sexual orientation.
While the bill extinguished several costly weapons projects and broadened certain war initiatives, it is the civil rights language that drew the most attention from some human rights advocates. It also caused many conservative and religious groups to accuse the Obama administration of devaluing American family values. Such a measure, critics argued, sends the signal that the United States endorses a homosexual lifestyle, which they contend is against God’s law.
President Barack Obama had promised to sign the National Defense Authorization Act, even though it did not slash as much fiscal waste as he had hoped, mainly because of its provisions for expanding hate crimes law. The act covers violence based on gender, sexual orientation, gender identity or disability. Democratic supporters of the measure affixed it to the defense bill, despite strong objections of Republicans, because they knew the GOP would ensure that the defense bill made it into law.
The bill halts production of the F-22 fighter jet program, among other items and programs deemed antiquated in a post-Cold-War era. It also nixed the replacement helicopter program for the president's own fleet, which is six years behind schedule and whose estimated costs have doubled to more than $13 billion. However, the bill still contains provisions — over the president's strong objections — to develop a costly alternative engine for the F-35 Joint Strike Fighter, the Air Force's fighter of the future.
"When Secretary Gates and I first proposed going after some of these wasteful projects, there were a lot of people who didn't think it was possible, who were certain we were going to lose, who were certain that we were going to get steamrolled," Obama said. "Today, we have proven them wrong."
"There's still more fights that we need to win," Obama said. "Changing the culture in Washington will take time and sustained effort." From now on, Obama said, people will be protected from violence based on "what they look like, who they love, how they pray or why they are."

domain: sociology


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