With all the “rust converting" products, metal primers why should I buy Fast Dry Rust Destroyer®?
You should not be forced to buy a separate primer or rust treatment for each specific job! No other product can make all these claims!
1) Saves you money, by not having to inventory all the other “rust converters" and different metal primers.
2) Avoids confusing your customers. Instead of stocking all the other products use Fast Dry Rust Destroyer®. The one product for all your metal needs, as a universal coating, and "Rust converting paint"
3) Works with all the different types of paint you are already selling. No restrictions.
4) Fast Dry Rust Destroyer® is very unique.
6) You don't have to pour Fast Dry Rust Destroyer® into a separate non metal container, as most others say.
7) Fast Dry Rust Destroyer® can be applied by brush, roller, conventional spray or airless spray. When spraying if you use a number 17 tip there is no need to thin the product.
8) Fast Dry Rust Destroyer® will work on: A) clean steel, B) rusty steel, C) zinc galvanized metal, D) hot dip zinc galvanized metal, E) core tan steel, F) aluminum, G) tin, H) previously painted surfaces.
No special surface treatment needed. No sanding or deglossing needed, on glossy surfaces. Remove the loose flakes, have a paintable surface, apply product.
Fast Dry Rust Destroyer® is a self etching primer that "Bites" into the previously painted surface.
Q: What is Fast Dry Rust Destroyer®?
A: Fast Dry Rust Destroyer® is a specialty coating developed for metal surfaces. It can be used as universal base rust converting protective coating for most applications.
Q: Can I apply Fast Dry Rust Destroyer® directly over rust?
A: Yes. Remove all the loose flakes and apply Fast Dry Rust Destroyer® directly over rust.
Q: Other primers and rust converters are restrictive as to the types of top coat paints that can be applied over or under their products. Does Fast Dry Rust Destroyer® also restrict me to a few top coats?
A: No. Fast Dry Rust Destroyer® can be top coated with anything.
Q: Other companies require a separate primer for each and every different type of metal.
A: No. Fast Dry Rust Destroyer® works on clean or rusty steel, zinc galvanized metal, core tan steel, hot dip zinc, galvanized metal, aluminum, tin, and previously painted surfaces.
Q: Do I need to sandblast all the paint from the surface before I apply Fast Dry Rust Destroyer®?
A: No. Sandblasting or wire brushing to bare metal is not necessary. Remove loose flakes. Prepare firm paintable surface. Apply Fast Dry Rust Destroyer®.
Q: Some primers require that after brushing the loose material from the surface I must wash the surface with soap and water and / or chemicals before I apply their primer. Is it necessary to wash the surface before applying Fast Dry Rust Destroyer®?
Q: Other primers require that I sand or de-gloss the surface of the previous coating prior to applying their products. Do I need to sand or de-gloss before applying Fast Dry Rust Destroyer®?
A: No. Fast Dry Rust Destroyer® is a self-etching coating that "bites" into the previously painted surfaces.
Q: The "rust converters that turn rust black" require some rust be present in order for their products to "activate." Does rust have to be present for Fast Dry Rust Destroyer® to work?
A: No. Fast Dry Rust Destroyer® is a “universal coating" that also works over bare metal, previously painted surfaces, and directly over rust.
Q: Will Fast Dry Rust Destroyer® work over rusted and pitted surfaces? Other manufactures require several coats of their product and that the surface be smooth.
A: Fast Dry Rust Destroyer® works over rusted and pitted surfaces as well as smooth surfaces.
Q: How does Fast Dry Rust Destroyer® compare in "side-by-side" competitive tests of performance with other primers and rust converters?
A: Fast Dry Rust Destroyer® is superior over all competitive products and is unique in its design, applications, and performance - that is one of the reasons it is patentable.
Q: Most of the "Major Competitive Products" and their companies have been in business for many years. Why haven't I heard about Fast Dry Rust Destroyer® before?
A: Fast Dry Rust Destroyer® is "revolutionary in scope" and a giant leap in technology in the coating industry. That is why it has a patent. Most of the competitive products you see are accustomed to using old technology and, generally, one is no different from the others. Only Fast Dry Rust Destroyer® has been singled out as being unique.
Q: Other rust converters change colors during the process and end up as a hard black crust on the surface. What does Fast Dry Rust Destroyer® do and can I see it happen?
A: Fast Dry Rust Destroyer® is a "red" color before, during, and after application. The patented rust conversion happens deep inside the product and maintains a uniform color for you to work with. As for the "black crust" other converters produce, they are generally hard and brittle and will crack when flexed or receiving impact. Fast Dry Rust Destroyer® is flexible and will not crack even when the substrate it's applied to is bent over 1/4" mandrel through 180 degrees.
Q: Most other primers promise a 1 to 1 1/2 mil dry film thickness at 300 square feet per gallon. What is Fast Dry Rust Destroyer® coverage rate?
A: Fast Dry Rust Destroyer® will yield a 3 mil dry film thickness at 300 to 350 Square feet per gallon, double what most others promise.
Q: How can Fast Dry Rust Destroyer® promise and deliver both good coverage and high mil thickness?
Q: If I did want to thin Fast Dry Rust Destroyer® what and how much do I use?
A: Since Fast Dry Rust Destroyer® is a patented "Universal base coating" and "rust converter", phase out the others, and free up a lot of shelf space.
Q: How versatile is Fast Dry Rust Destroyer® in its applications?
Q: Can Fast Dry Rust Destroyer® be used on objects constantly under water?
A: It should not be used on surfaces subject to continuous water submersion without being properly top coated.
Q: How does Fast Dry Rust Destroyer® compare with other "rust converters"?
A: OTHER RUST CONVERTERS: Must be applied to rusty steel only. (restricted application). Fast Dry Rust Destroyer® applicable to: Bare metal, Steel, Aluminum, Zinc galvanized metal, Tin, Core tan steel, previously painted surface, directly over rust. Fast Dry Rust Destroyer® is a universal base rust converting coating.


Libya Civil War - 2014-20??
Estimates of deaths in the Libyan Civil War vary, with figures from 2,500 to 25,000 given between 02 March 2011 and 01 October 2011. As of April 2016 a total of about 4,750 had been killed. [libyabodycount]. The Global Terrorism Index reported 454 killed i terrorist attacks in 2015.
In January 2016 the Syrian Center for Policy Research (SCPR) reported that 470,000 deaths had been caused by the conflict in Syria, either directly or indirectly. This represents a dramatic increase from the total of 250,000 fatalities attributed to the UN in news reports in recent years. But the UN Office of the High Commissioner for Human Rights stopped updating the death toll from Syria’s civil war in January 2014.
Libyan Civil War - 2014-20??
By 2014 the civil war in Libya had been transformed into a proxy war, which pitted Islamist forces supported by Qatar, Sudan and Turkey, against more secular forces supported by Saudi Arabia, the UAE and Egypt [and probably the United States]. This became clear after Egypt and the United Arab Emirates launched airstrikes against Islamic militants in the Libyan capital starting on 17 August 2014 and continuing into September.
Subsequently, the United States along with Britain, France, Germany and Italy, issued a statement saying actions by outsiders exacerbate divisions in Libya and undermine democracy. On 18 September 2014 Libya's struggling elected government and representatives of 15 neighboring nations unanimously rejected the idea of military intervention as a way to restore stability. On 22 September 2014 a group of 13 countries released a communique at the UN calling for non-interference in Libya. The countries are Algeria, Egypt, France, Germany, Italy, Qatar, Saudi Arabia, Spain, Tunisia, Turkey, the UAE, UK, US.
In a scenario reminicent of Somalia, by late 2014 the internationally recognized "government" of Libya controlled little more than a resort hotel in the far eastern Libyan city Tobruk, near the Egyptian border. In early September the legal government hired a Greek car ferry, the Elyros, moored in Tobruk harbor to house officials, activists and their families [by one account these were ejected when the ferry's fees went unpaid]. The Elyros charter might have fetched about $25,000 per day.
Since 2012 the Government sought to bring under the authority of the State the armed brigades which emerged during the 2011 armed conflict, and which are in control of most detention facilities where torture takes place. Fighting between militia groups increased significantly in 2012. According to International Crisis Group, over 600 people were killed during the year 2012. Over time, different groups have associated themselves with different political currents, primarily nationalists and Islamists, and that automatically pits one against the other. Each of them has represented an autonomous power center and has been very unwilling to share power with other groups. On top of all that, there is the question of the regional and tribal identities of the groups involved.
The Government had affiliated brigades to specific ministries, even though in many cases the brigades have retained actual control of the detention centres. In April 2013 Libya also adopted a law criminalizing torture, enforced disappearances and discrimination and in September 2013 a new law on transitional justice required all conflict-related detainees to be released or referred to the public prosecutor within 90 days of the promulgation of the law, the number of fatalities has dropped significantly, to fewer than 300 in 2013.
On December 13, 2015 world powers met with Libyan officials on a UN-backed plan designed to unite Libya's fractured government, before a signing ceremony on the proposal that is set for 16 December 2015. Italian Foreign Minister Paolo Gentiloni and US Secretary of State John Kerry led the talks in Rome. Libyans taking part in the talks included officials with the internationally recognized government as well as the rival militia alliance.
Members of Libya's rival governments had been expected to sign a peace deal, but the heads of the two parliaments expressed disapproval of the agreement altogether. Parliament leaders Aguila Saleh and Nuri Abu Sahmain met for the first time 15 December 2015 since the two sides set up competing bodies in Tripoli and Tobruk. Each made comments stressing the need for a Libyan solution without outside pressure.
Libyan leaders from the country's two rival parliaments signed a national unity agreement in the Moroccan resort town of Skhirat, after a number of final obstacles were worked out 17 December 2015. The UN-backed unity government will only add to the confusion, with the troubled North African nation already split between two rival governments and parliaments.
A summer of tragic events, with terrorist attacks, the Oil Crescent crisis, Derna battles, and most recently, Tripoli clashes, compelled a delay of elections. The violence in Tripoli finally ended in late 2018. In the one month of fighting, over 120 lives were lost, including those of 34 women and children. As a result of the ceasefire agreements brokered by UNSMIL, the parties agreed to stop the violence. On 25 September 2018, most of the attackers from outside the city withdrew. Several armed groups have withdrawn from positions in Ministries and have indicated a readiness to hand over the port and the civilian terminal of Mitiga airport to state control. There is a fragile but palpable sense of improvement across the capital.
The situation in the South of the country was becoming ever more precarious. A complete collapse in services to the population. Rising terrorism and criminality. Rampant lawlessness. Threats to the oil fields and the water infrastructure upon which the nation relies. Foreign armed groups on Libyan soil. Shortages of everything, from fuel to cash, from medicine to food. The problems are countless, and no state institutions are there to tackle them. Long ignored and marginalised, and now used as a theater for outsiders, resentment in the South was deepening.


A look at the countries with confirmed and suspected weapons capabilities.
The world's current stockpile of nuclear bombs and warheads is enough to destroy humanity several times over, but the exact number of weapons in existence remains unknown.
This is because most countries guard the numbers as closely held national security secrets.
Nonethess, in the decade and a half since the Cold War ended, the world's combined stockpile remains high with non-proliferation analysts estimating there are currently around 23,000 weapons in existence - nearly half of which are operational, or ready to use at any time.
According to data and estimates compiled by the Federation of American Scientists, the following is a breakdown of the countries that possess - or are believed to possess - nuclear weapons.
Russia is believed to have the world's largest nuclear arsenal, with as many as 12,000 warheads. As the former Soviet Union, it was the second country to develop a nuclear weapon, conducting its first test in 1949.
In 1961 it tested the world's most-powerful weapon, a hydrogen bomb dubbed the 'Tsar Bomba', with a blast equivalent of more than 50 megatons of TNT.
The United States possesses the second largest nuclear arsenal, with a total inventory of around 9,400 nuclear bombs and warheads.
It developed the first atomic weapon during World War Two, under the top secret "Manhattan Project", and tested the world's first nuclear weapon in 1945. The US remains the only country to have used nuclear weapons against another nation - Japan.
France has an estimated 300 nuclear arms, having conducted its first nuclear test in 1960.
Most of its weapons are believed to be deployed on submarines or on air-launched missiles.
China is said to possess around 240 warheads, although it remains unclear how many are fully operational and how many are in storage.
The country first tested a nuclear device in 1964 and is believed by the Pentagon to have about 20 nuclear armed intercontinental ballistic missiles capable of hitting the US.
The United Kingdom has around 185 nuclear weapons, and first tested a device in 1952.
All of the UK's nuclear forces are deployed on missiles carried on the Trident submarine fleet. One Trident submarine is kept on constant deployment at any one time.
Pakistan is believed to have around 90 warheads and is thought to have begun covert development of nuclear weapons in the late 1970s after rival India conducted its first "peaceful" nuclear explosion.
Zulfiqar Ali Bhutto, the country's then prime minister, had said a decade earlier that if India built nuclear weapons, Pakistan would do the same, "even if we have to eat grass".
India possesses an estimated 80 warheads and staged its first nuclear test in 1974 using what it called a "peaceful nuclear explosive".
It then conducted a series of tests in 1998, triggering the first nuclear tests by neighbouring Pakistan in response.
North Korea was a member of the NPT, but withdrew in 2003 after the US accused it of having a secret uranium enrichment programme.
It is thought to have conducted two nuclear tests in October 2006 and May 2009, but the degree of success of both tests remains in question. Analysts say there is also little evidence to suggest that North Korea so far has the ability to "weaponise" a nuclear device, to use in an attack on another country.
Israel is not a member of the NPT and refuses to officially confirm or deny having a nuclear arsenal, or having developed nuclear weapons.
Although the government says that the Negev Nuclear Research Centre, located near the town of Dimona is a "research reactor", no reports based on what work is carried out there have ever been published.
Analysts however, estimate that the country holds up to 80 nuclear warheads.


You could say that I am an old soul. I'm not much for a wild night out and I am very content spending time in to work on my various business ventures. This aspect of myself is one that I am often criticized for. I definitely wouldn't say I'm a boring person, I just don't prefer to get cray, cha feel?
Another example: I love cheerleaders. Like pro/college cheerleaders that is. They are just so talented!! Which is weird because you would expect me to be someone who thinks cheerleaders are overly preppy and annoying, but I don't. In fact, I tried out for cheerleading for one day in high school. Judging by how I said "one day" you can probably guess that it didn't go well. But, I do know a great dance to "bust a move."
So what should be conclude from all of this? I could be on the Starbursts commercials, because I my friends, am a walking contraction. But also, don't judge a Jenna by her sarcasm and very opinionated opinions! I just might surprise you...like...does everyone love Nickelback as much as I do? Ha. Jokes! Nobody loves Nickelback...not even Nickelback. Unless you like Nickelback, then that's cool, I guess.


Can Vendors Provide 'FDA Compliant' Software?
Vendors of software and computer systems frequently advertise their products as 'FDA approved', 'FDA Compliant', 'Part 11 Compliant' or 'Certified for FDA Compliance". The questions is if such statements are accurate. There is no doubt that companies and individuals with little or no understanding of regulations and computer validation are impressed. They purchase software and install it and expect to pass FDA inspections.
Computer validation professionals are not impressed by such statements, even less FDA inspectors. Just the opposite happens: companies making such statements are easily recognized as having little or no knowledge about regulatory requirements. And FDA officials state that people need to be wary of claims that a vendor may have that it is somehow FDA-approved. 'FDA compliance' does not only mean that software has the functionality, it also means that the software and complete system is installed, validated and operated in compliance with the regulations. This also means the operators should be trained to use the software in FDA compliant manner. The best a vendor can do is to state that the software has the technical functionality that will allow the user to operate the software and system in compliant manner.
This Question also came up during an FDA Industry Training back in 2003.
Question from the chairman: "Whenever there is a gap or a void in the market somebody jumps in and sells something. So the question gets to be - there are probably going to be, if there are not already, companies that will sell you systems that will help a company to comply with part 11 through encryption and so on. Does the FDA improve or endorse any of those?"
Answer from the FDA official: "No we don't. We don't get into that business. In the same manner that we don't approve or disapprove specifically equipment that companies use to manufacture FDA-regulated products. So people need to be wary of claims that a vendor may have that it is somehow FDA-approved. I think the best thing that a prospective vendor can do is simply compare and contrast the features that they have in their product with part 11 requirements and let a prospective buyer make up his own mind."
Users should write specifications for the intended system including user requirement specifications and functional specifications, or combine them in one document and call them system requirement specifications. In preparation for this users can ask the vendor if they can provide them with a list of functional specifications of the software.
Users should include regulatory requirements in the specifications, e.g., audit trail for 21 CFR Part 11.
Users should ask the vendor to respond to the specifications list. Answers related to regulations should include some statements on how requirements are met or or how services are delivered.
Users ask vendors about their software development processes and how the software has been qualified during development. Special focus should be on testing, because the more documented evidence of testing a user has on testing at the vendor site, the less testing is required at the user's site.
Users should ask vendors how they can assist a user during validation at the user's site. This could be test scripts, SOPs or services for complete IQ/OQ.
For vendors we recommend to prepare a table with regulatory requirements, e.g., 21 CFR Part 11 and a description of how each requirement is built into the software or delivered as a service.
Vendors should support their statements about functionality with a functional specifications document and technical papers describing in more detail how the functionality is built.


Many students who have applied to the Blue Water Middle College have expressed interest in one or more of the healthcare fields. Specific professions mentioned include: Nursing, Physical Therapy, Medicine, Anesthesiology, Pharmacy, Orthodontics, Dentistry, Optometry, Radiology, and Medical Research.
Students in St. Clair County are offered several options for entering the healthcare field. One program for high school students is the Health Careers Program at St. Clair County TEC. Other post-secondary options include degree and certificate programs at St. Clair County Community College.
In addition to TEC and SC4, Blue Water Middle College Academy students can begin earning college credits for a degree in a healthcare field starting as early as 11th grade. They can have 60 or more credits earned by the end of their 13th year at no cost to them. They can earn an associate's degree from SC4 and transfer their credits to a four-year university for further study in a healthcare field. They can become well-prepared for acceptance into SC4's competitive nursing program, in which they can earn an Associate Degree in Nursing and become an Registered Nurse (RN).
With a variety of options available, several students interested in enrolling in the Blue Water Middle College Academy (BWMC) have asked about the path they should take if they are interested in one of the healthcare fields.
Is the career goal to become certified and begin working in the healthcare field as soon as possible, or is it to further their education with the goal of earning an associate's degree, a bachelor's degree, or higher?
If the goal is to gain certification to begin working right away, students attending TEC have the opportunity to complete the requirements and test for certification as a Certified Nursing Assistant.
Students in the 2nd year of TEC's Health Careers program gain valuable experience that may land them a job soon after high school graduation. Some TEC students are even paid for their Cooperative Education experience.
If a student knows they want more education and a higher professional certification, they may still attend TEC for one or two years, but they should also consider what they need to enter programs at post-secondary institutions, such as SC4. It may be that the second year of TEC may not be the best thing for a student who is ready and able to begin their college courses via the Blue Water Middle College.
Is the student certain about the healthcare field they want to enter, or would they benefit from exposure to several career options in healthcare before deciding.
The TEC Health Carees Program is an excellent way of learning about many different options in the healthcare field. Many times, students are aware of only a few healthcare jobs. TEC offers students a chance to learn about many options and actually experience them in years 1 and 2. For a student who is unsure of which area of healthcare he or she wants to end up in, this can be more valuable than speeding up entry into college.
Can the student benefit from the financial assistance that enrolling in the BWMCA would provide?
If a student wants to take advantage of the financial support that the BWMCA can provide, they may choose to forego some of the benefits that attending TEC might provide to be sure they can fulfill certain high school requirements back at their high school and move forward more quickly on their required college courses.
Is the student ready to begin taking more challenging college courses sooner than normal to speed up the path to their healthcare goal?
If a student is not academically ready for the challenges of two or three college courses each semester in junior and senior year of high school, then it is better if they do not enroll in the BWMCA. Attending TEC and their home high school may be the best option for them as they work to develop their academic skills and abilities and prepare for college courses.
Can a student attend TEC as a Blue Water Middle College Academy student?
Yes. Students can attend TEC as a student enrolled in the Blue Water Middle College Academy. However, because middle college students take fewer high school classes junior and senior years, there is not time at the regular high schools to fulfill all of a student's graduation requirements there. Blue Water Middle College Academy students who attend TEC will likely have to have some of their high school course graduation requirements met with college courses taken at SC4.
How can the Blue Water Middle College Academy help a student interested in SC4's Associate Degree in Nursing (RN) Program?
It is important to note that students cannot formally begin the Associate Degree in Nursing (ADN) program until they have graduated from high school, which a middle college student will not do until the end of year 13. So, the ADN program cannot be entirely paid for by the middle college. There are many advantages, financial and otherwise, for a student interested in the ADN program to enroll in the Blue Water Middle College Academy.
Attending the BWMCA can help prepare students for acceptance into the Associate Degree in Nnursing (ADN) program at SC4. The ADN program is very competitive with only about one out of every three applicants being accepted each year. The BWMCA can give students several advantages to getting into the program and successfully completing it.
Students with more college courses on their transcripts have a better chance of being accepted into the ADN program.
Students who have taken more college courses will likely score higher on the HESI assessment, which has the greatest impact on who is or is not accepted into the program each year.
Students who have completed the college classes that are required for the ADN program, but which you can take prior to being accepted into the program, will greatly reduce the cost of the nursing program and will make it easier to concentrate on the specific nursing classes and clinical experiences, because they will not have to take as many classes each semester.
BWMCA students will also be able to take addition classes that may be used in a bachelor's degree nursing program if they choose to enter a Bachelor's Degree in Nursing program after earning their associate's degree.
If you have questions about any of the information above, please contact Pete Spencer, director of the Blue Water Middle College Academy or an advisor at TEC or SC4.


Thaw the frozen pizza dough balls overnight in the refrigerator. On a floured cutting board, roll out each dough ball into a 6”-wide, 3/16”-thick, rectangular shape. Cut into 1½”-wide strips. Tie each dough strip into a knot. Prepare an egg wash by combining the egg and milk with a whisk. Egg wash each of the pizza knots. Sprinkle coarse sugar crystals generously onto each pizza knot. Let the pizza knots rest until they double in size.
Place the pizza knots on a pizza paddle that has been lightly sprinkled with semolina flour. Slide the pizza knots onto a preheated 425° pizza stone/oven. Bake for 10 to 12 minutes or until golden-brown. Let the pizza knots cool to room temperature and drizzle with hazelnut spread.
Fun Fact 1: More than 70 million hazelnuts are used worldwide each day to produce Nutella.
Fun Fact 2: On any given day, you can find more than 4 million mentions of Nutella on the Internet.
Fun Fact 3: Stacked up, the total number of Nutella jars sold worldwide every day would be more than 17 times taller than Mt. Everest.
Fun Fact 4: Lined up, the total number of Nutella jars sold annually worldwide would wrap around the moon four times.


What would videogames be like if their development was completely unfettered by market concerns? To find out, 14 renegade programmers gather once a year in a remote California barn for a weekend of fevered coding. Last year, they set 100,000 characters loose onscreen. This spring, they tried using moving bodies as controllers. At the end of the Indie Game Jam, there were scads of prototypes - some playable, all provocative. (For complete session results - and open source code for the games - visit www.indiegamejam.com.) We asked three attendees what big idea keeps them up at night.
The cred: Programmer, Oddworld Inhabitants, Brooklyn, New York. Worked on Oddworld: Munch's Oddysee.
The idea: A solar yacht race that requires control of complex physical factors (light, motion, gravity) and navigation. Ships maneuver by silver sails, which gather momentum from the sun's rays. You gain the upper hand by putting your opponent in the shadows.
The spark: "The system should be hard enough that mastering it is rewarding. When you're really cooking along with a task and in tune with the game's tools, it gives you a sense of power."
The cred: Programmer, Ion Storm, Austin, Texas. Working on Thief 3 and Deus Ex: Invisible War.
The idea: A multiplayer cyberpunk crime simulation. You and five accomplices knock over a bank. The team engineers the job, with one or more players handling the physical action (busting in with guns) and others hacking behind the scenes (disabling the security system).
The spark: "Sound is the only component of a game that we can currently simulate at a level completely indistinguishable from the real world. Until the graphics and interface catch up, I want to join the real and virtual in the game."
The cred: Programmer and Indie Game Jam cofounder, Oakland, California.
The idea: A rock-climbing adventure that captures the rhythm of the sport. Use the mouse to move a limb, then test if your fingers or toes can hold onto an outcropping's thin ledge. It's like tapping the science of physical exertion.
The spark: "Physics has the potential to increase the richness and subtlety of a player's interaction with the game world. At the same time, it must stay airtight and consistent, so we maintain a suspension of disbelief."


i described about me,my family background,educational qualification and hobbies.
Read the passage given . Tell me something about yourself ? Which colour you like and why ? How you spend your last weekend ?
What is your current salary and expectations? What were your roles and responsibilities at your previous company?
Why you want to change your job ?
Glassdoor has 7 interview questions and reports from Backend Process interviews. Prepare for your interview. Get hired. Love your job.


Are you having a bad day with your MSS? You have come to the right place.
Solving problems requires either a methodical diagnostics approach, or lots of luck. If you don't like to gamble, the following may help you overcome challenges that inevitably present themselves from time to time.
Before providing the specific details of diagnosing and repairing the MSS?, some basic troubleshooting guidelines are in order. Following these practices should make your efforts much more efficient and successful.
Suspect and check the obvious first - It's easy to get distracted and overlook something obvious.
Recheck the obvious - Have someone verify your work. If you're helping someone, verify what you've been told. Sometimes, just talking through the details can help you realized you missed a step or fact.
Understand correct operation and expected results - How should it work and what should happen? Does it?
Learn and recognize symptoms - What are the results telling you? What are the most likely suspects and what can be ruled out?
Isolate, Divide and Conquer - Classify the problem to sub-systems, remove what you can and substitute known working parts if possible. Or, try suspect parts with a known working system.
One step at a time - Be logical and make each test provide results you can use to narrow down the problem.
The MSS is a collection of relatively simple components, but when something goes wrong, it's easy to get overwhelmed. The following steps should be your first response to a general system malfunction, especially if the power and communications warning indicators in the ROV Health instrument are lit.
Power down the system, check the connections and restart using the recommended procedures.
To identify whether the tether is a possible source of the problem, connect the ROV directly to the control panel to see if the symptoms persist.
Remove all attached accessories to eliminate the possibility that an accessory is the source of the problem.
If the problem is more isolated to a specific function, or these steps fail to resolve a general problem, it's time for a closer look at the symptoms and subsystems.


A method and system for persons who are over the age of 62 to increase their retirement income by utilizing their insurability and real estate equity to fund the purchase of life insurance and/or annuities which are subsequently gifted to a donor advised fund, a charitable gift annuity, or a combination of both.
1. A method of providing retirement income, comprising:acquiring sufficient funds to pay at least one premium on a life insurance policy to insure a person at least seventy-one years of age,purchasing the insurance policy,gifting the insurance policy to a qualifying legal entity,selling of the insurance policy by the qualifying legal entity in the secondary market after at least eighteen months, anddirecting at least a portion of the proceeds of the sale of the policy to a charitable gift annuity providing retirement income.
2. The method of claim 1 wherein the step of acquiring sufficient funds comprises funds derived from a reverse mortgage.
3. The method of claim 1 wherein the step of acquiring sufficient funds comprises funds derived from savings.
4. The method of claim 1 wherein the step of acquiring sufficient funds comprises funds derived from the surrender value of an existing life insurance policy through a permissible 1035 exchange.
5. The method of claim 1 wherein the step of purchasing the insurance policy comprises purchasing either a universal life policy or a convertible term life insurance policy.
6. The method of claim 1 further comprising directing at least a portion of the proceeds of the sale of the policy to a donor advised fund.
7. The method of claim 2 further comprising the step of repaying all or part of any reverse mortgage loan from proceeds of the sale of the policy in the secondary market.
8. The method of claim 1 wherein the step of acquiring sufficient funds further comprises acquiring sufficient funds to pay between two and twenty-four premiums on the life insurance policy.
9. A method of providing retirement income, comprising:acquiring sufficient funds derived from a reverse mortgage to pay at least one premium on a life insurance policy to insure a person at least seventy-one years of age,purchasing the insurance policy,gifting the insurance policy to a qualifying legal entity,selling of the insurance policy by the qualifying legal entity in the secondary market after at least eighteen months, anddirecting at least a portion of the proceeds of the sale of the policy to a charitable gift annuity providing retirement income.
10. The method of claim 9 wherein the step of purchasing the insurance policy comprises purchasing either a universal life policy or a convertible term life insurance policy.
11. The method of claim 9 further comprising directing at least a portion of the proceeds of the sale of the policy to a donor advised fund.
12. The method of claim 8 further comprising the step of repaying all or part of any reverse mortgage loan from proceeds of the sale of the policy in the secondary market.
13. The method of claim 9 wherein the step of acquiring sufficient funds further comprises acquiring sufficient funds to pay between two and twenty-four premiums on the life insurance policy.
14. A method of providing retirement income, comprising:acquiring sufficient funds derived from savings to pay at least one premium on a life insurance policy to insure a person at least seventy-one years of age,purchasing the insurance policy,gifting the insurance policy to a qualifying legal entity,selling of the insurance policy by the qualifying legal entity in the secondary market after at least eighteen months, anddirecting at least a portion of the proceeds of the sale of the policy to a charitable gift annuity providing retirement income.
15. The method of claim 14 wherein the step of purchasing the insurance policy comprises purchasing either a universal life policy or a convertible term life insurance policy.
16. The method of claim 14 further comprising directing at least a portion of the proceeds of the sale of the policy to a donor advised fund.
17. The method of claim 14 wherein the step of acquiring sufficient funds further comprises acquiring sufficient funds to pay between two and twenty-four premiums on the life insurance policy.
The present invention relates generally to novel systems, methods, plans and products for enabling persons who are over the age of sixty-two to enhance their retirement income. More particularly, it contemplates the purchase, gifting and potential sale of insurance policies to enhance the retirement income of the participant.
The participant must own a personal residence, with or without a mortgage, and be able to access the equity in their residence for the purpose of purchasing one or more life insurance policies on their own life. The policies purchased will, at a later date, be gifted by the owner in whole or in part to a public foundation of their choosing. The donor of the policies will receive a charitable gift annuity (CGA) for a portion or all of the value of the policies which will generate income for the life of the donor. The donor also has the option of donating a part interest or the entire policy to a donor advised fund (DAF). The donor also has the option of retaining a portion of the value of the policy to repay the mortgage. The donor may also split the gift between a CGA and a DAF. The entire process permits flexibility to suit the individualized needs and desires of the insured.
As disclosed in US2004-0199446 A1, it is known that nonprofit institutions including churches, foundations, and charities organize plans to use the unique features of life insurance to fund future liabilities and operations. Examples of such programs are Religious Owned Life Insurance (ROLI), Foundation Owned Life Insurance (FOLI), and Charity Owned Life Insurance (CHOLI). These programs enlist past and/or future donors or benefactors for the purpose of purchasing insurance on a pool of such donors or benefactors. The nonprofit entity may borrow from a bank or possibly the insurance company itself to fund the insurance premiums, and receives death benefits when its donors die. Death benefits are used to repay any loans. The balance of the death benefits, if any, funds the nonprofit entities' primary objectives, such as funding research, furthering religious programs, or disbursing benefits to the needy.
These known insurance plans have revealed a number of unaddressed problems with respect to legal and regulatory issues. Most states have insurance laws requiring the owner of the policy to have an "insurable interest." That is, there must be a sufficient relationship between the owner of the policy and the insured such that the owner stands to experience a loss should the insured die. Many state laws do not require that the beneficiary of a life insurance policy have an insurable interest. For example, California Insurance Code section 10110.1(b) states that "[a]n individual has an unlimited insurable interest in his or her own life . . . and may lawfully take out a policy of insurance on his or her own life . . . and have the policy made payable to whomsoever he or she pleases, regardless of whether the beneficiary designated has an insurable interest. "
Some states, however, have additional laws that do restrict the purchase of a policy in some situations. For example, the New York Insurance Laws, section 3205(b)(2) states that "No person shall procure or cause to be procured, directly or by assignment or otherwise any contract of insurance upon the person of another unless the benefits under such contract are payable to the person insured or his personal representatives, or to a person having, at the time when such contract is made, an insurable interest in the person insured." Some states have carved out exceptions for nonprofit institutions. For example New York Insurance Laws section 3205(b)(3) provides a safe harbor for nonprofit entities which "procure or cause to be procured, directly or by assignment or otherwise, a contract of life insurance upon the person of another and may designate itself or cause to have itself designated as the beneficiary of such contract."
Despite such exceptions and safe harbor provisions, CHOLI and other nonprofit insurance owned programs still have shortcomings. The returns on these policies are tax free. However, most, if not all, charities which have implemented CHOLI programs have used lenders to provide the funds to purchase the policies. The cost of the funds to the charities can reduce substantially, if not all, of the investment returns to such programs, depending upon the cost of lender funds, the nature of the policies underwritten, and, of course, the mortality experience of the benefactors insured.
Many charities which have utilized CHOLI programs do not have efficient means for selecting an underwriting program of benefactors to achieve superior investment returns on a nominal basis. Such different means would include (1) having access to a well-defined class of insureds with higher mortality risk who happen to be benefactors; (2) underwriting these benefactors with the preferred life insurance products; and (3) financing the underwriting of the insurance efficiently.
Some state insurance regulators disfavor existing CHOLI programs which rely upon private for-profit outside lenders to fund the policies. For example, in May 2002, Michigan regulators denied approval to a plan with such outside investors; the investors "do not have an insurable interest but an investment interest." ("Dying to Donate: Charities Invest in Death Benefits," The Wall Street Journal, Feb. 6, 2003).
What is needed is a system which complies with state insurance and non-profit law and which permits qualifying participants to achieve superior, tax-free or tax-reduced return on insurance policies to provide enhanced retirement income.
The present invention comprises systems and methods combining insurance policies and tax-free trusts to create a means for generating enhanced retirement income for the participants. The participant is older than sixty-two year of age. The participant has sufficient funds or access to sufficient funds to purchase an insurance policy which will in whole or in part be gifted to a non-profit tax free foundation. The foundation sells the policy in the secondary market. All or part of the proceeds of the sale are directed to a CGA which gives the participant enhanced retirement income for life. Or, all or part of the proceeds of the sale are directed to a DAF to purchase another life insurance policy for the benefit of the DAF.
FIG. is one illustration of an implementation of the proposed system and method for combining insurance and tax-free trusts to enhance retirement income.
It will be readily understood that the components of the present invention, as generally described and illustrated in the figures herein, could be arranged and designed in a wide variety of different configurations. Thus, the following more detailed description of the embodiments of the system and method of the present invention is not intended to limit the scope of the invention, as claimed, but is merely representative of the presently preferred embodiments of the invention.
The present invention is directed to a program 10 which combines the purchase of insurance with tax-free or tax-reduced trusts and/or gifts. Participants must be at least over sixty-two years of age. Preferably, the participant is seventy-two years of age or older. The age of the participant plays a potentially significant role in the present invention as will be discussed below.
The qualifying participant identifies one or more valuable assets 20 such as savings, equity in a residence, value in an insurance policy, a 1035 exchange or some other asset or personal property. The participant accesses 22 sufficient monetary resources from asset(s) 20. For example, the owner of a personal residence applies for a Reverse Mortgage on their personal residence to have ready access to the equity in the property 22.
Simultaneously the participant applies for a convertible term or universal life insurance policy. The amount of the death benefit of the insurance policy for which the participant qualifies will vary depending on the amount of insurance policy premium the participant can afford. The amount of money available to the participant through a reverse mortgage will depend upon the value of their primary residence, and any existing mortgage balance the participant is obligated to pay back. For example, HUD and FHA place liens on real property in the amount of three times the amount of the loan or the lending limit on the real property in the area where the applicant lives, whichever is less.
The lending limit currently varies from county to county all across the United States.
The amount that can be borrowed on a Reverse Mortgage is the lending limit or the value of the real property whichever is less. Hence, the amount of monetary resources available through a Reverse Mortgage may limit the amount of life insurance the participant may be able to acquire. The participant can qualify for more life insurance coverage if they have other justification for the additional coverage or if the participant has other monetary resources such as savings or any other asset(s).
Once a life insurance policy is approved at an acceptable premium, the Reverse Mortgage is completed and the funds become available. The insurance premium for the first one month up to two years of the life insurance coverage is paid from the Reverse Mortgage proceeds 30 to the insurance company to place the policy in force. If excess funds from the Reverse Mortgage are available, and if desired, a portion of the funds can provide monthly income 24.
To minimize the tax impact and to derive the benefit that was originally sought when the plan was set up, the policy is gifted in part or entirely into a Charitable Gift Annuity (CGA) 40. This is typically done through an Internal Revenue Code 501(c)3 entity. In some states a Charitable Remainder Annuity Trust must be used to achieve the desired result.
Such entities will be referred to as a qualifying legal entity. A portion of the policy may be retained by the owner 42.
After eighteen months, the life insurance policy is shopped for sale in the life settlement market, also known as the secondary market. The policy will sell in the life settlement market 50 for a price determined by the institutions which bid on in-force life insurance policies. The plan works best for persons who are age seventy-two or older at the time of the sale of the policy in the life settlement market. The older the insured is when the policy is sold, the higher the selling price the policy will bring. Health of the insured also is a factor. For example, if the health of the insured deteriorates after the policy is issued, the price paid to purchase the policy in the settlement market will increase because of the possibility of the death benefit being paid sooner.
For example, at age seventy-five, a policy on a male of average health may sell in the secondary market for about twenty-five percent of the life insurance policy death benefit.
Considering that he purchased the policy at age seventy-three for a premium of around $23,000 per year for a $1,000,000 policy, he will realize a substantial gain on the policy; $250,000-$48,000 (principle and interest) for a potential gain of $202,000. A portion of the proceeds can be used to pay off the reverse mortgage loan.
The proceeds of the sale of the policy in the secondary market can then be used by the foundation as agreed or as required. For example, the foundation can direct a portion of the sale proceeds to go to a CGA 52 to guarantee an income stream for the life of the participant donor. The foundation may choose to reinsure the CGA through a commercial insurance company.
The participant's choice to make a gift of the life policy to a foundation 40 that offers Charitable Gift Annuities can thereby avoid capital gains tax and provide a substantial income stream for the donor-participant. In the alternative, the participant may choose to sell the policy outright without gifting it to a foundation and pay the required taxes and take the balance to use as he or she see fit. In either scenario, a portion of the money from the sale could be used to pay off the reverse mortgage against the house, leaving the credit line open for future use by the homeowner.
In a further enhancement, the plan is achieved by gifting the policy to a foundation that will create both a DAF 54 and a CGA 52. This allows the DAF to use a portion of the proceeds from the sale of the policy to purchase another life policy on the advisor/donor 56 using a portion of the sales proceeds that were deposited in the DAF. As the DAF's largest donor, the DAF has an insurable interest in the well being of the donor as the continuing well being of the donor and their fund raising capability is of vital interest to the DAF.
Because this insurable interest exists, the DAF can purchase key-man insurance on the donor. The DAF can then sell that key-man policy in twenty four months in the life settlement market to further enhance the assets of the fund. Further use of this technique would include insuring other members of the board of directors of the DAF who are older than age seventy and in good enough health to qualify for key-man insurance. Each eligible board member over the age of seventy would qualify for a key-man policy owned by the DAF with the DAF as the named beneficiary.
In another alternative embodiment in which the participant cannot qualify for life insurance policy, a similar result can be achieved by taking the proceeds of the reverse mortgage and gifting them to a pass through foundation 40 and placing the proceeds in a CGA funded with an annuity with a separate death benefit. Though a life insurance policy is not available to settle in the secondary market the CGA funded with the proper Annuity with a death benefit to fund the DAF can accomplish a similar result but over a longer period of time.
In another embodiment, the technique can also be used to accomplish the same results by using the surrender value of an existing life insurance policy to create the funds for the premiums on a new policy. This is done by using the IRC section 1035 exchange privilege to fund the first two years of premiums of the new policy. In this technique there is very little possibility of income in the first two years because the funding source is smaller than with the reverse mortgage permitting the participant to only purchase a smaller face value policy. Once the policy is in place the plan works the same as with the reverse mortgage with the exception that there is no option to pay off a loan because no loan exists.
Another embodiment of the program of the present invention is used with persons under the age of seventy. With or without using the reverse mortgage, a large convertible level term insurance policy is purchased with enough years of coverage as a term policy before conversion for the insured to attain the age of seventy-two, or older. The policy is converted to a Universal Life policy and sold. Everything then follows as if the plan had been started at the older age. In all cases, an insurable interest must exist at the time the policy is issued. That is, there must be some legitimate estate planning, family needs, debt repayment, income replacement or other objective. The premium for the term insurance can be fairly low. For example, a forty-five year old preferred risk may be insurable on a thirty year term policy for up to $1,000,000 for an annual premium of approximately $1,000. Such a thirty year convertible term policy would have a cumulative premium of $30,000 by age 75 but the policy would sell in the secondary market for around $250,000 at that age with standard health. In addition the insured has the coverage if there is a premature death or change of health. The proceeds of the sale could then be used to purchase insurance 30 and the rest of the technique of FIG. 1, and the variations discussed above, can be implemented.
While illustrative embodiments have been described above, it will be understood that there is no intent to limit the scope of the inventive systems and methods by such disclosure. The present invention is intended to cover all modifications and alternative arrangements within the spirit and scope of the invention as defined in the following claims.


I agree with Eugene Robinson in this article. The "broken windows" policy of law enforcement has become racist. That was predictable. For those who are interested learning more about this issue, I recommend my book, "The Lineaments of Wrath: Race, Violent Crime, and American Culture," which as one prominent reviewer put it, "explores the deep historical roots [of the present crisis in American race relations] as no other scholar has done."
How might killers, like Rodgers, be identified BEFORE they act?
I've been watching the experts commenting on Santa Barbara tragedy. Yes, the killer is sick, obsessed, weird, hates women and men he's own age who engage with them, and so on, and decided to take out his revenge. Who would disagree? The killer made his motives clear in both his video and "manifesto." But an important question that is not addressed, beyond the need for more rational gun regulation, is: How might killers, like Rodgers, be identified BEFORE they act? I've proposed a method to do that. It is not based on what suspects tell investigators because wrong-doers lie -- like Rodgers did to the Santa Barbara police. And with tragic consequences they believed him. A better method is to determine what suspects are DOING before these attacks. What is happening in their lives that can be assessed apart from unreliable self-reported information?
If you are interested, I've suggested a method to do that in Chapter 12 of DEFINING DANGER: AMERICAN ASSASSINS AND THE NEW DOMESTIC TERRORISTS.
"To understand violence, it is essential to understand not only the personality of the perpetrator, but also the the context in which the behavior occurs. In the rush to analyze personalities, context is sometimes ignored. By context, I mean the array of cultural, political, economic, and social forces that mold and channel behavior over time, as well as the immediate situational factors that often precipitate the actions in question. Without taking into account the context of behavior, it is virtually impossible to understand the motives behind it. For the same reason, an understanding of context provides the best clues yet known concerning the potential dangerousness of suspects who come to the attention of [authorities]."
The author of The Emancipation of Abe Lincoln, Eric Foner, might have mentioned that probably Lincoln's greatest reservation about emancipation was his fear that once blacks lost their value as slaves, racial violence would follow in the South. That fear was confirmed in the wake of Appomattox. What can only be described as a reign of terror was expanded after the last federal troops were withdrawn and Home Rule was restored in the former Confederate states in 1877. Torture or death awaited anyone who resisted white supremacist customs and policies. White-on-black crime was not a punishable offense in state courts. Lynching, for example, slowly declined in the twentieth century primarily because state executioners replaced lynch mobs in carrying out the will of the white majority. True emancipation did not occur until the Supreme Court and Congress acted to abolish such policies in the 1950s and 1960s.
For more on this subject, see Clarke's book The Lineaments of Wrath: Race, Violent Crime, and American Culture.


Have you made Braised Carrots, Apples And Celery?
1. In a large nonstick skillet, heat the olive oil until very hot.
2. Add the carrots, red onion and celery. Cook over medium heat until the vegetables begin to slightly caramelize and soften in texture, about 10 minutes.
3. Add the apples, currants, apple juice, vinegar, honey and Dijon mustard.
4. Cover, reduce heat to a simmer, and cook 10 minutes more.
5. Remove the cover, and boil until the liquid has evaporated and the vegetables begin to glaze.
6. Stir in the chopped basil and season to taste with salt and pepper.
This recipe contains potential food allergens and will effect people with Sulfites, Natural Sweeteners, Fructose Malabsorption, Mustard, Celery, Vinegar, Onion, Apple, Olive Oil allergies.


What is precis-writing | How to write precis-writing| Rules for precis-writing.
This precis writing can be helpful for CSS exams and also for many other competitive exams and for students of any educational level.
A précis is a just like summary and précis-writing means summarizing the passage. précis-writing is an exercise in compression.
A précis is the gist of the passage or main theme of the passage expressed in as few words as possible.
It should be lucid, succinct, and full(i.e., including all essential points), so that anyone on reading it may be able to grasp the main points and generate an effect of the passage summarized.
precis-writing must not be confused with paraphrasing. A paragraph should reproduce not only the substance of a passage, but also all its details, it will, therefore, be at least as long as, and probably longer than, the original.
But a precis must always be much shorter than the original. It is intended to state only the main theme, Shorn of all unnecessary details, and that as tersely as possible.
As the styles of the writers differ, some being concise and some diffuse, no rigid rule can be laid down for the length of precis, But so many are said, that a precis should not contain more than a third of the number of words in the original passage.
1).precis-writing is a very fine exercise in reading, Most people read carelessly, and retain only the vague idea of what they have read.
You can easily test the value of your reading. Read in your usual way a chapter, or even a page, of the book and then, having closed the book tries to put down briefly the substance of what you have just read.
You will probably find that memory of it is hazy and muddled. Is this because your memory is weak? No; it is because your attention was not fully centered on the passage while you were reading it.
The memory cannot retain what was never given it to hold; You did not remember the passage properly because you did not properly grasp it as you read it.
Now precis-writing force you to pay attention to what you read; For no one can write a summary of and passage unless he has clearly grasped its meaning. So summarizing is an excellent training in the concentration of attention.
It teaches one to read with the mind, as well as with the eye, on the page.
2). precis writing is also a very good exercise in writing a composition.
It teaches one how to express one’s thoughts clearly, concisely and effectively. it is splendid corrective of the common tendency to vague and disorderly thinking and loose and diffuse writing.
Have you noticed how an uneducated person tells a story? he repeats himself, brings in a lot of irrelevant matter, omits to from its proper placed what is essentially a drags it in later as an after-thought, and takes twenty minutes to say what a trained thinker would express in five.
The whole effects are muddled and tedious. In a precis you have to work within strict limits, You must express a certain meaning in a fixed number of words.
So you learn to choose your words carefully, to construct your sentences with an eye to fullness combined with brevity, and to put your matter in a strictly logical order.
3). So practice in precis-writing is of great value for practical life. in any position of life ability to grasp quickly and accurately what is read, or heard and reproduce it clearly and concisely means, is of the utmost value. for lawyers, businessman, and government officials it is essential.
you must make up your mind from the beginning that precis-writing means intensive brain work. There is no easy shortcut to summarizing a passage.
To tear the hurt out of passage means concentrated thought, and you must be prepared for close attention and hard thinking.
(A) First read the passage through carefully, but not too slowly, to get a general idea of its meaning. If one reading is not sufficient to give you this clearly, read it over again, and yet again.
The more you read it, The more familiar will it become to you, and the clearer be its subjects, and what is said about that subject.
Ask your self “what is it I am reading? what does the author mean? what is his subject? what is he saying about it? Can I put in a few words the pith of what he says”?
(B) usually, you are required to supply a title for your precis. This is a good stage at which o do this.
Think of some word, phrase or short sentences that will sum up briefly the main subject of the passage. Sometimes this is supplied by what we may call a key-sentence.
This key-sentence may be found at the beginning or at the end of the passage.
(C) Further reading is now necessary to ensure that you understand the details of the passage as well as its main purport. Take it now sentence by sentence, and word by word. If the meaning of any word is not clear, look them up in a dictionary.
Detailed study of this kind is necessary, because a phrase, a sentence, or even a single word, may be of prime importance, and the misunderstanding of it may cause you to miss the whole point of the passage.
You should now be ready to attempt the writing of the precis, but be sure of the limits within which it must be compressed.
If the numbered of words is given you, this is easy: but if you are told to reduce the passage to say, a third of its length, count the number of words in the passage and divide by three.
The draft will probably be too long. In fact you may have to write out several drafts before you find to express the gist of the passage fully within the limits set.
1) The precis should be all in your own words.
2) The precis must be a connected whole.
3) The precis must be complete and self-contained.
4) it is only the gist, main purport, or general meaning of He passage which you have to express.
5) The precis must b in simple, direct grammatical and idiomatic English.
you are not bound to follow the original order of thought to the passage to be summarized if you can express its meaning more clearly and concisely by transposing any of its parts.
when you have made your final draft, carefully revise it before you write out the fair copy. Be sure that its length is within the limits prescribed. Compare it with the original to see that you have not omitted an important point.
See whether it reads well as a connected whole, and correct any mistakes in spelling and punctuation, grammar and idiom.
Then write out the fair copy neatly. prefixing the title you have chosen.
This is the quality which gives the precis its name because precis is written for the purpose of conciseness.
The writer should compress the main message in the fewest possible words without any vagueness.
A good precis is always easy to understand therefore the writer should write it in simple and clear words.
The basic aim of the precis writing is to convey the main theme of the passage across the reader so in order to achieve this aim the writer should read the passage twice and thrice for clear and vivid understanding.
There is a coherence in a good precis. It means that each part must be related to other parts.
In order to achieve the quality of coherence, words are combined with the help of, however, similarly, finally etc.
An incomplete passage could not be called a precis. A good precis contain all the important points.
The writer should ensure if all the important ideas are included in the precis.
A good precis is correct in every aspect. An error of any type just like grammar, punctuation, and spelling is not included in a good precis.
An excellent precis is always the reflection of the original idea.
The writer does not include his own thoughts or ideas in it.
A good precis is almost one-third of the original passage.
Therefore the writer excludes all the unnecessary details from his precis.
In good precis there is no place for outdated words and phrases.
The writer takes maximum care to use current vocabulary.
The writer of a precis does not borrow words from the original passage.
He expresses everything by using his own words and idioms to short it.
A good precis is always written in indirect speech.
There is no mistake of grammar in it. The passage may be written in present or past tense. The use of idioms is also very useful.
The use of punctuation makes the precis easy to understand. Therefore the writer should use these wherever necessary.
The first step toward making a precis is to read the original passage very carefully.
Of course, reading the passage once is not enough.
A second reading will give you a clear idea o what is required to be summarized.
The reader should underline all-important idea or key sentences in the passage and omit all the rest.
write all these important ideas in a sequence it will become the first rough draft of your precis.
The Order of the main idea can be changed it is permissible to re-arrange the ideas in the order that writers think better.
A precis is written in the shape of a paragraph, not in loose sentences.
In the end you should re-read and check if there is anything missing.
If the precis exceeds its limits, you should revise it and exclude the unimportant points.
The inclusion of essential ideas, and omission of non-essentials.
What is Essay writing and what are the characteristics of good Essay.


Which of the following is unimportant for an introduction in formal or academic writing? a.Entertaining the audience b.Establishing the key point the piece of writing will make c. Discussing your opinion on the topic for at least three sentences.
Triangle $ABC$ has vertices at $A(5,8)$, $B(3,-2)$, and $C(6,1)$. The point $D$ with coordinates $(m,n)$ is chosen inside the triangle so that the three small triangles $ABD$, $ACD$ and $BCD$ all have equal areas. What is the value of $10m + n$?
A boy observes that the angle of elevation of the top of a tower is 32 degrees.He then walks 8m towards the tower and then discovers that the angle of elevation is 43 degrees.Find the height of the tower.
how long would it take 1000 to grow to 5000 if I can get 5% compounded quarterly?
A thesis statement clarifies the main point an essay will make. True False My answer is true.
Ticket rate for the science exibition is 10rs for a child and 26 rupees for an adult. 740 rupees was got from 50person. How many children among them?
Integrate (4e^-x)/3sqrd 1+3e^-x) using Trapezium rule with 6 intervals.
the sides of a polygon are 3,4,5,6 and 7cm. Find the perimeter of a similar polygon, if the sides corresponding to 5cm is 9cm long.
In triangle ABC,angle B=2times angle A. The bisectors of these angles meet at D,while BD extended meet AC at E. If angle CEB=70 degrees, find angle BAC.
A tree casts a shadow 36 m long. At the same time, the shadow cast by a 49-centimeter tall statue is 90 cm long. Find the height of the tree. Round to the nearest tenth.
EEssay that makes a meaningful comparison between the Iliad and The Odyssey. the topics I chose to compare these epic poems are Honor, character traits, and the relationship of gods and mortals in Homer.
What is the importance of strategic intent and its impact on organizational success.
Moss and Roy both decide to go out for a 2 course dinner. Moss' meal cost twice as much as Roy's meal, however Roy spent $3 more than Moss for his dessert. Moss spent $11 on his desert. The bill came to $75. How much did Roy spend for his meal and dessert?
If in an exam consisting of 6 papers a student scored 91,92,85,94,95 and 85 respectively, find his average score.
How many Indians were living in North American when Christopher Columbus arrived? Some sources say 1.2 million and others are 20, is there a definite amount?
how would you access hitler? write a detailed discription about him.
How many 3 5\8 board can be cut from a 10 ft board?
What are the phenotypes of the long-nosed cusimanse? I can't find any site about their body structure or function either.
Two years ago, Ronald was 3 times older than Susie. In 6 years time, he will be twice as old as Susie. How old is Ronald now?


24 units in 2 apartment complex's located in Rangely CO (863 E Main Street & 125 Darius Avenue). Generate great cash flow with the #1 apartment complex in the area. Located less than 2 miles away from a college enrolling 1,550 students, these units lease out quick with each at 950 SF/2 bedroom/1 bath set up. Recently remodeled, the units are in great condition and are composed of many long term tenants and college students staying 2+ years. Management currently in place, with large value-add for increased income with laundry, and increased rents up to fair market value. Separately metered for electric and gas, tenants pay rent + gas and electric. Contact agents for P&Ls & rent roll.
Rangely is located in Colorado. Rangely, Colorado 81621 has a population of 3,891.
The median household income in Rangely, Colorado 81621 is $68,494. The median household income for the surrounding county is $73,774 compared to the national median of $53,482. The median age of people living in Rangely 81621 is 41.2 years.
I am interested in 863 E Main Street, Rangely, CO 81621.


Historians are usually asked: what is the use or significance of studying History? Why on earth does it matter what happened long ago? The answer is that History is equally inevitable. In all cases, knowing History is essential to a fantastic comprehension of the condition of being human. All living people reside in the here-and-now however, it took a very long unfolding history to get everything to NOW.
And that history is situated at time-space, which retains this cosmos together, and then displays the past and the present. Answering two objections to History Noting two arguments that are weak in favour of studying History Celebrating the strong case for History repentance of both Henry Ford: History is not bunk Summary Answering two objections to History.
People today learn about astronomy without journeying at space, about marine biology without deep-sea diving, so about genetics without cloning a monster, about economics without conducting a lender, about History without journeying physically into the past, etc. Very well, the critics then sniff; let's accept that History has a job. Returning to the case of someone initial trying to understand 20th-century world history, the notional list of all key dates and facts Would Have to be styled by reading Eric Hobsbawm's Age of Extremes: the Short Twentieth Century(two) or, better still, by contrasting this study with Mark Mazower's Dark Continent( or Bernard Wasserstein's Barbarism and Civilization() on 20th-century Europe, and/or Alexander Woodside's Lost Modernities: China, Vietnam, Korea and the Hazards of World History( or Ramachandra Guha's India following Gandhi: the History of the World's Largest Democracy() - to name, but a few recent review studies.
Above all, History pupils expect to study for themselves some of the original resources from the past; and, even because of their own independent jobs, they are asked to find new resources and new discussions or to think of new ways of re-evaluating known resources to generate new arguments. Such exercises are memory tests, but not ways of evaluating a comprehension of History. Noting two arguments that are weak in favour of studying History. Some arguments in favour of studying History also turn out, on close inspection, to be overly weak. Some people semi-concede the critics case by saying things like:ell, History is not obviously useful, but its study provides a way of learning useful skills'.
These are abilities that History as a field of study is particularly great at inculcating. The chief point about studying History would be to study the subject for the priceless analysis awith the long-term perspective it confers upon the whole experience - the component skills being an important ingredient of the process, but not the prime justification. Dropping History as a worldwide theme will only increase rootlessness among young people. Much more can be said - in defence of History, but in terms of its positive advocacy. Among professional historiansthat the prime focus is upon the past/present of the individual species, although there are many who are studying the history of climate and/or the environmental history of the globe.
So out of a historian's point of view, a lot of what is studied under the rubric of Anthropology or Politics or Sociology or Law could be regarded as specialist sub-sets of History, which takes as its remit the whole of the individual experience, or any section of this experience. Studying the past in detail whilst simultaneously reviewing the long-term past/present of the individual species directs people's attention to the mix of continuities and different types of change in human history, such as ras well as evolution.
In addition to this, having an outlook upon longitudinal time, and history within that, is one of the strengths of the human consciousness. If educational systems do not supply a systematic grounding in the study of History, then people will glean some image of the past and the role of themselves, their families, and their important associations out of a medley of other resources - from cultural traditions, from collective memories, even from truths, rumours, songs, sagas, from political and religious teachings and customs, from their families, their friends, and out of every form of human communication from gossip to the printing media and on to the web.
A great educational system should help people to research History more formally, more systematically, more correctly, critically and more longitudinally. Interestingly, Henry Ford's dictum that.istory is bunk itself forms part of human history. He failed to adapt with the changing sector and left his pioneering business nearly bankrupt, to be rescued only by measures brought by his grandson Henry Ford II. Time and history had the last laugh - outlasting even fast cars and scoffers at History. The broad span of experience, seen both in depth and longitudinally over time, is the subject of History as a subject of study.


What is a tabletop Rocksalt experience?
Rocksalt is an action heavy, rules light, game universe that takes place in the conspiracy laden world of the pre-apocalypse. The Rocksalt Conspiracy is a game universe that takes place in modern universe that focuses on realistic people. The game world focuses on a story which weaves real history, conspiracy theories, and the post-apocalyptic game world of Dystopia Rising as a template for the universe that will eventually be.
In The Rocksalt Conspiracy players participate as individuals known as Vectors. Vectors are people who are one part "Typhoid Mary", one part freedom fighter, and one part revolutionaries working against a global conspiracy that is actively looking to control (and eventually cull) the majority of life on the planet Earth. As Vectors, players start as normal everyday people who seem to be a leg up on the majority of humanity. Vectors are individuals who have no allergies, don't commonly get sick, and seem to have a greater awareness or understanding of the world around them. Charismatic, active, or athletic Vectors are not the creme of the crop of humanity, but instead mostly are everyday people who seem to be slightly better off than the bulk of humanity.
Players will participate as Vectors, who are actively hunted and discredited by the shadowy international agencies that have enacted the Rocksalt program. Vectors are both the source of the potential evolution of humanity to a new level of enlightenment as well as the plague carriers that endanger life as the world knows it.
Resistance is your only chance for survival.
So how do I get my hands on The Rocksalt Conspiracy book?
The short story is that right now, you can't.
The Rocksalt Conspiracy is being ran as a combination of a series of LARPs, ARGs, and Tabletop RPG events organized and written by the creator of the Dystopia Rising Universe, Michael Pucci, via the Imagine Nation Collective. Michael is the creator of the Dystopia Rising LARP network, the CHRONOS Universal LARP System, and is the creator of a number of events and publications. With this in mind, he has informed Eschaton Media that the Rocksalt Conspiracy book which is a completed and published book that is not available for purchase. that the materials will not be made available for sale until after he has been able to complete his ongoing ARG and hidden live event experiences (estimated completion late 2018).
This eccentricity is resulting in a number of small entrance "find the event" experiences, unmarketed live events, and hidden experiences at other public Imagine Nation Collective events. Mixing Live Events, tabletop events, and hidden ARG aspects the Rocksalt Conspiracy experience is a new and unique approach of cross event entertainment.


The following words are extracted from the transcript, refer to the context of the trailer and match the word with its definition.
II.	Complete the following sentences using the words in the box. Use the correct grammatical form of the words.
She was closed off from her friends and felt very lonely.
Do you mean he is already 40-year-old? But he looks like a fresh-faced schoolboy!
If she'd been a plain girl, she wouldn't have had all the attention.


The usual point is that here there is no command toward total abstinence, and there is an indication that there is some profit in them. That is, they are not simply sin. There is another point that can be made, though. Suppose we ask how much should be spent on wine and gambling? This ayah seems to indicate that the answer that should be given by Muslims is "Your disposable income" (that is, what you have beyond what you need).
In analyzing this point, of course, one has to assume that the context interprets the text -- an assumption that is not necessarily valid. We know, for example, that order of the ayat in the Koran is not the order in which the ayat were allegedly revealed to Mohammed.
Notice that here there is a shift from discussing spending on charity to fighting. Note in particular that "They ask thee concerning fighting ..." does not introduce a new topic. It provides a specific detail about the immediately preceding topic. Moreover, notice that the new topic of fighting was introduced without the use of "They ask ... ."
The expression "Thus doth Allah make clear His Signs to men" is introduced to wrap up one topic and move on to a different topic in 187. Then a similar expression is used in a similar way in 221 and then again in 242 and 266.
What was previously some profit and great sin is now an "abomination" from Mohamed's followers must abstain.
Of course, the above understanding isn't the understanding of the Sunni. They don't interpret 2:219 as suggesting that people should spend only their disposable income on wine and gambling. They likewise are reluctant to see "abomination of Satan's handwork" (5:90) as being in conflict with "some profit" (2:219). That isn't their view of the Koran, and their scholars do not (to my knowledge) agree with my analysis above.


What is another word for accounts?
amounts, accidents, funds, finances, expenditure, appropriations, represents, principles, Expenditures, relationships, assets, payables, customers, Quantities, reports, relations, receipts, credits, consumers, Palestinians, nations, revenues, sums, patrons, fonds, data, claims, services, Stories, debts, versions, expenses, registers, payable, books, Registries, annex, affairs, spending, Properties, releases, receivable, goods, debtors.
management, accrual, parliament, compatibility, receivable, costing, act, UNDP, debtor, debtors, centre, governing, RIAS, cpa, canadian, processes, mission, CRA, des, program, social, ECB, aa, ESA, iii, WIPO, EI, ii, april.
communications, documents, transactions, considerations, constitutes, conditions, contributions, explanations, factors, complaints, descriptions, contributes, indications, representations, grounds, agreements, Achievements, requirements, qualifications, arguments, components, comments, credentials, assessment, assessments, operations, perspectives, presentations, Measurements, statistics, actions, viewpoints, transparent, corresponds, contracts, collections, Criteria, Undertakings, Investments, purposes, funds, estimations, backgrounds, institutions, presents, responsibilities, liabilities, arrangements, registrations, testimonials, finances, prepayments, accruals, expectations, Compendiums, jurisdictions, appropriations, assertions, represents, subscriptions, principles, notes, authorities, sources, reconciliations, matters, characteristics, Expenditures, allegations, conclusions, experiments, reasons, relationships, assets, administrations, outcomes, positions, settlements, comptables, savings, endorsements, payments, particulars, allotments, notices, preparations, points, updates, Governments, payables, tenants, certificates, Movements, Financials, Households, cartons, indicates, courses, customers, causes, submissions, placements, years, annotations, Activities, maintains, directions, references, Grants, carryovers, Quantities, cans, reports, thousands, estimates, occasions, maths, procedures, relations, logistics, Summaries, banks, mechanisms, fonts, invoices, instances, productivity, caisses, evidence, enterprises, ways, developments, loans, receipts, chronicles, fronts, Patients, writings, tents, Currencies, describes, chapters, footnotes, dossiers, stocks, Operators, Resources, residents, costs, check-ups, Tales, Measures, credits, times, Incomes, ratios, consumers, origins, witnesses, variants, improvement, improvements, stockpiles, presupposes, sayings, experiences, regards, travellers, computers, depositions, checks, Duties, assumes, Companies, roots, status, subscribers, practices, article, articles, Interviews, individuals, revenues, Textbooks, exhibitions, units, volumes, briefings, sums, obligors, Stations, stakeholders, respects, products, patrons, tokens, repositories, opinions, Entries, earnings, elements, views, controls, reserves, Pensions, fonds, clientele, results, depositors, Waits, means, data, homes, Studies, monies, Appendices, Parents, plans, Charges, recordings, proceeds, claims, services, parts, dollars, crates, remarks, deposits, recitals, unions, systems, Stories, passengers, dimensions, words, denotes, programmes, benchmarks, debts, version, versions, expressions, odds, novels, Standards, title, titles, expenses, sheets, posts, supplies, retailers, subjects, pockets, sites, projects, aspects, trades, Economies, Coins, carry-overs, Histories, registers, tell, returns, Scales, Languages, Facilities, Areas, months, plates, dealers, workbooks, answers, discusses, benefits, transcripts, decisions, heading, headings, things, owners, payable, trusts, knows, books, who, Families, users, issues, livres, lessons, cases, senses, Registries, texts, pounds, Surveys, waiting, annex, Diplomas, messages, observers, reviews, advances, days, rooms, readings, headlamps, affairs, speeches, features, annexes, Programs, buyers, abstracts, Plays, schemes, Filings, Voices, leaders, sections, assists, holdings, guests, Securities, Delays, pieces, shoppers, pools, sales, deeds, Lights, Schedules, exhibits, alerts, Fees, 80, Forms, closure, rule, holders, norms, meters, degrees, gifts, code, shows, memory, Memories, changes, images, Firms, Boxes, regimes, -rsb-, Properties, officers, bills, states, item, items, Grips, depots, Bodies, marks, releases, shops, lamps, figures, licensees, Moneys, heads, chiefs, powers, digits, LBS, members, hopes, is, works, wishes, paragraphs, D, stores, news, goods, debtors, processes.
contained, considered, presented, collected, included, owed, Delivered, Performed, held, done.
accommodates, contains, acknowledges, concentrates, understands, incorporates, approximately, applications, contact, calculates, explain, explains, undertakes, Guarantees, considers, representative, constitutes, attributable, outlines, correspond, catches, source, generates, illustrates, integrates, consolidates, orchestrates, attributes, originate, originates, conducts, stops, confiscates, totals, participates, encompasses, anticipates, portrays, accrues, consists, comprises, warrants, Tracks, originally, underlie, equates, contributes, consumes, enables, captures, justifies, supports, allocates, pertains, origin, Addresses, depicts, touch, touches, removes, creates, achieves, Entailed, entails, IMPACTS, boasts, translates, acts, operates, absorbs, product, includes, corresponds, Focuses, Affects, relates, cover, covers, responds, occurs, submits, recognizes, produces, declares, fulfils, stipulates, occupy, Occupying, occupies, owns, presents, stands, combines, ensures, matches, rejects, embraces, establishes, equals, involves, Comes, depends, represents, intervenes, only, renders, clarifies, Carries, matters, tells, Replies, assigns, Bears, poses, Denies, possesses, aims, belongs, dismisses, suits, adsorbs, comptables, pays, says, proposes, signifies, highlights, realizes, Has, Permits, adds, emits, runs, implies, logs, welcomes, Viruses, refers, indicates, applies, becomes, customers, causes, employs, intends, uses, hosts, fills, places, promotes, maintains, reaches, hits, serves, reports, estimates, reads, takes, delivers, displays, embodies, performs, allows, looks, requires, helps, appears, arises, seizes, builds, cares, seems, extends, remains, brings, meets, deals, describes, receives, offers, virus, presumes, Gives, lies, fits, Houses, puts, keeps, weighs, REPS, imposes, sets, presupposes, arrives, assumes, falls, Bases, lead, leads, determines, sums, respects, breeds, goes, live, living, Lives, means, monies, awards, plans, proceeds, Rests, denotes, supplies, registers, workbooks, answers, discusses, holds, trusts, Does, features, Plays, assists, Forms, makes, shows, states, marks, 's, hopes, is, works, wishes, des.
amounts, computations, compilations, declaration, declarations, narratives, Testimonies, Budgets, Businesses.
And you, brother, just wait; we'll settle accounts somehow.
Well, and that accounts for the whole of it.
augend, accented, accommodate, awakened, acquiescent, accent, acquainted with, assumed, as needed, Asininity, assassinated, agonidae, accentuate, accouchement, aquanaut, acanthoid, assessment, agony aunt, aconite, agent, augment, asquint, ascend, agnate, acquaint, azimuth, agamete, acuminate, assassinate, assonate, agamidae, augmented, agamid, azoimide, Acantha, assuagement, assigned, agnatha, ashamed, assonant, assignment, askant, assent, acquainted, acned, agenda, ascent.


Who Said, "You Can't Study For Math"?
When I first started teaching I had parents and students tell me "you can't study for math, you either know it or you don't". I couldn't believe that was what some people thought or possibly told their children. So I introduced math study guides in my class. I gave my students a list of the topics and vocabulary that would be on their next test and asked them each to make a study guide before the test. The study guide was due the day of the test and handed in for bonus points. The students were not sure how to make this study guide, so I suggested a foldable or booklet. The first set of study guides came in and they were construction paper booklets, index cards, and a few foldables. They included written notes, steps, examples, and vocabulary. This pattern continued for the next few tests until one of the girls in my class asked me if she could make a lady bug and write her notes on it instead, and I said yes.
It was the day of the test and my students came to class with their study guides ready. Then she walked in with the lady bug. All of my students oohed and aah-ed when they saw her lady bug. It was made of construction paper with wings that moved and just adorable. Most students were upset because they didn't know they could make animals as study guides ( I didn't know they could either). So I explained that this student made the suggestion and that I didn't realize they might want to be more creative. So I gave them the topics and vocabulary for the next test and told them they could make anything they want as long as it was appropriate for school and that all the math was there. I was amazed the day of the test what creative and beautiful study guides came through my door. The students were so excited to share their designs and ideas. They were excited about math and studying!
I loved this new twist and have continued the tradition now for 14 years. I originally called them creative study guides, then "Our Ticket To Success", and then changed the name after attending a workshop with Judy Dodge about 7 years ago to "Tickets To The Test". Over the years I have been blown away by all of the creative tickets my students have made. They have been studying for math in a fun and interesting way. I have seen: hearts, trees, turkeys, wreaths, snowmen, Santa cookies, a huge school, Ipad, cartoons, comic strips, tiny library books, birthday cakes, sports, Justin Beibers hair, giant m&m's, etc.
So many of my former students come back to visit and usually always say they wish they were still making tickets. My response is, "why did you stop". New students entering my class always ask, "when do we start making tickets". They have seen my students walking proudly through the halls with their fantastic study guides or have seen them displayed in our school.
One of the best things I ever did as a teacher was challenge the thought that you can't study for math and say yes to a lady bug.
Student wrote notes on the back of each stocking.
Love this Tangled ticket. Notes hanging down from her hair.
This is great, especially during the winter months when the children love a cupa hot cocoa after sledding or playing in the snow. It fits right into this time of year. Perfect!