text:
Doctor of Musical Arts (DMA) in Composition
The DMA in composition is offered to a limited number of students who demonstrate substantial training in the field and high promise of attainment as composers. Students may work in traditional and/or electronic forms. Breadth is achieved through studies in other branches of music and in relevant fields outside of music, as desirable. In addition to formal coursework and independent study, candidates are required to write a number of works in various forms and to present a public lecture-demonstration based on their final project, a large-scale composition.
Doctor of Philosophy (PhD) in Computer-Based Music Theory and Acoustics
The PhD program in computer-based music theory and acoustics is offered by the Department of Music through the Center for Computer Research in Music and Acoustics (CCRMA, pronounced "karma"). CCRMA is a multidisciplinary facility attracting PhD students from several departments and schools across campus including Computer Science (CS), Electrical Engineering (EE), Mechanical Engineering (ME), and Psychology (PSYCH). While all CCRMA faculty hold positions within the Department of Music, Julius Smith also holds a courtesy appointment in EE which enables him to serve as primary thesis advisor for PhD students in EE. Ge Wang holds a courtesy appointment in CS and, likewise, may serve as a primary thesis advisor for PhDs in CS. [N.B. Application for graduate study is handled by the corresponding home department.]
Doctor of Philosophy (PhD) in Musicology
The first three years of graduate study for graduates in musicology are devoted to completion of required coursework and passage of the qualifying and special area examinations. After the successful defense of the dissertation proposal (incorporated within the special area exam), the student concentrates on research and writing of the dissertation. The dissertation demonstrates the student's ability to work systematically and independently to produce a substantial work of competent scholarship.
Doctor of Philosophy (PhD) in Ethnomusicology
Ethnomusicology at Stanford prepares students to study sound, listening, and musical practices in diverse social and cultural contexts. Intensive training in fieldwork and ethnographic methods as well as critical theory, performance studies, anthropology, and area studies are central to the program. A vital aspect of students' experience is collaboration with historical musicology, composition, EuroAmerican music theory, and creative music-making.
Applications to the above programs may be made directly from a Bachelor's program.
Learn more about the PhD programs in the Stanford Bulletin
联系方式电话: 650-723-2300


text:
Embed Size (px)
7/25/2019 RCR Presentation Revised
RCRResponsible Conduct of
7/25/2019 RCR Presentation Revised
Presentation Material Credit
On Being a Scientist: A Guide to Responsible Conduct in Research, ThirdEdition, The National Academies
Michael Kalichman, Director, UC San Dieo Research Ethics Proram
!rani"ed for SUR#$%T b& Said Sho'air, UC% UR!P Director
Re$orani"ed for %CS (onors Proram b& Ric' )athrop, %CS$(P Director
7/25/2019 RCR Presentation Revised
RCR Trainin Re*uirement
To compl& +ith the re*uirements of the federal AmericaC!MPETES America Creatin Opportunities to Meaninfull&
Promote E-cellence in Technolo&, Education and Science. Act,
all underraduate and raduate students, and postdoctoral scholars
supported b& National Science #oundation funds must complete acourse in the Responsible Conduct of Research/
7/25/2019 RCR Presentation Revised
The most basic basics
0 Three deadl& sins of research misconduct12 #abrication
2 #alsification
2 Plaiarism
0 The most basic basics are *uite simple12 Don3t lie
2 Don3t cheat
2 Don3t steal
0 Comple- cases re*uire thouht and 4udment/2 Communication and Professionalism are 'e&/
7/25/2019 RCR Presentation Revised
Researchers3 !bliations 5
To honor the trust that their colleaues place in them
To themsel6es To act in +a&s that ser6e the public
Research: Data, 7ias, Reulations, Misconduct Researchers: Communication, Dissemination, Credit,
Mentorin Society: Research #ocus, Public Understandin, Public
7/25/2019 RCR Presentation Revised
RCR Trainin Topics
Ad6isin and Mentorin The Treatment of DataMista'es and Nelience Research Misconduct
Respondin to Suspected 8iolations of ProfessionalStandards
(uman Participants and Animal Sub4ects in Research )aborator& Safet& in Research
Sharin of Research Results Authorship and the Allocation of Credit %ntellectual Propert& Competin %nterests, Commitments, and 8alues The Researcher in Societ&
7/25/2019 RCR Presentation Revised
Ad6isin 5 MentorinCase Study
9oseph came bac' from a brief summer 6acation con6inced that he +ould beable to finish up his Ph/D/ in one more semester/ Thouh he had notdiscussed the status of his thesis +ith his ad6iser or an& other member ofhis thesis committee since the sprin, he +as sure the& +ould aree that hecould finish up *uic'l&/ %n fact, he had alread& beun dra+in up a list ofcompanies to +hich he planned to appl& for a research position/
(o+e6er, +hen his research ad6iser heard about his plans, she immediatel&ob4ected/ She told him that the measurements he had made +ere not ointo be enouh to satisf& his dissertation committee/ She said that he shouldplan to spend at least t+o more semesters on campus doin additionalmeasurements and finishin his dissertation/
9oseph had al+a&s had a ood +or'in relationship +ith his ad6iser, and herad6ice had been 6er& helpful in the past/ Plus, he 'ne+ that he +ould needa ood recommendation from her to et the 4obs that he +anted/ 7ut hecouldn3t help but +onder if her ad6ice this time miht be self$ser6in, sinceher o+n research +ould benefit reatl& from the additional set of
7/25/2019 RCR Presentation Revised
Ad6isin 5 MentorinCase Study -- Questions
TRUE or FALSE1 %f 9oseph3s ad6iser indeed +ants him toperform the additional measurements solel& to benefit herresearch, this 6iolates a basic principle of mentorin/
TRUE/ :The main role of an ad6iser or mentor is to help aresearcher mo6e alon a producti6e and successful careertra4ector& On Being a Scientist, p/ ;./< Mentors and ad6isersshould model a hih standard of conduct/
TRUE or FALSE1 The responsibilit& for 9oseph3s problemlies +ith the ad6iser, +ho should ha6e been clearer ine-pressin her e-pectations/
FALSE/ Clarif&in e-pectations is 4ointl& the responsibilit&
of the ad6iser and the student/
7/25/2019 RCR Presentation Revised
The Treatment of Data $$ Case StudyDeborah, a third$&ear raduate student, and Kamala, a postdoctoral fello+, ha6e made a series of
measurements on a ne+ e-perimental semiconductor material usin an e-pensi6e neutron test
at a national laborator&/ =hen the& return to their o+n laborator& and e-amine the data, ane+l& proposed mathematical e-planation of the semiconductor3s beha6ior predicts resultsindicated b& a cur6e/
Durin the measurements at the national laborator&, Deborah and Kamala obser6ed electricalpo+er fluctuations that the& could not control or predict +ere affectin their detector/ The&suspect the fluctuations affected some of their measurements, but the& don3t 'no+ +hich ones/
=hen Deborah and Kamala bein to +rite up their results to present at a lab meetin, +hich the&'no+ +ill be the first step in preparin a publication, Kamala suests droppin t+o anomalousdata points near the hori"ontal a-is from the raph the& are preparin/ She sa&s that due totheir de6iation from the theoretical cur6e, the lo+ data points +ere ob6iousl& caused b& thepo+er fluctuations/ #urthermore, the de6iations +ere outside the e-pected error bars calculatedfor the remainin data points/
Deborah is concerned that droppin the t+o points could be seen as manipulatin the data/ She and
Kamala could not be sure that an& of their data points, if an&, +ere affected b& the po+erfluctuations/ The& also did not 'no+ if the theoretical prediction +as 6alid/ She +ants to do aseparate anal&sis that includes the points and discuss the issue in the lab meetin/ 7ut Kamalasa&s that if the& include the data points in their tal', others +ill thin' the issue importantenouh to discuss in a draft paper, +hich +ill ma'e it harder to et the paper published/%nstead, she and Deborah should use their professional 4udment to drop the points no+/
7/25/2019 RCR Presentation Revised
The Treatment of DataCase Study Questions
TRUE or FALSE1Kamala is 4ustified in +antin to drop the t+o datapoints under these circumstances/
FALSE/%n the absence of criteria for identif&in outliers at the beinnin ofthe stud& it is inappropriate to drop data points to impro6e the results/ %f
those manipulated results +ere published the& +ould affect the researchrecord and if incorrect, impede the proress of science/
TRUE or FALSE1%f the data points are dropped o6er Deborah3s ob4ectionsand she is an author on the resultin paper, she still shares responsibilit& forthe data alteration/
TRUE/Each author is responsible for the entire publication/ %ncreasinl&,ho+e6er, publications re*uire information about each author3s contribution/=ith comple- multidisciplinar& studies, the responsibilit& for the paper3sinterit& ma& be split amon disciplines/ %n such a case, each author orroup of authors are responsible for data from their contributed portion of apublication/
7/25/2019 RCR Presentation Revised
Mista'es and Nelience $$ Case Study
T+o &oun facult& members>Marie, an epidemioloist in the medicalschool, and ?uan, a statistician in the mathematics department>ha6epublished t+o +ell$recei6ed papers about the spread of infections inpopulations/ As ?uan is +or'in on the simulation he has created tomodel infections, he reali"es that a codin error has led to incorrectresults that +ere published in the t+o papers/ (e sees, +ith reat
relief, that correctin the error does not chane the a6erae time itta'es for an infection to spread/ 7ut the correct model e-hibits reateruncertaint& in its results, ma'in predictions about the spread of aninfection less definite/
=hen he discusses the problem +ith Marie, she arues aainst sendin
corrections to the 4ournals +here the t+o earlier articles +erepublished/ :7oth papers +ill be seen as suspect if +e do that, and thechanes don3t affect the main conclusions in the papers an&+a&,< shesa&s/ Their ne-t paper +ill contain results based on the correctedmodel, and ?uan can post the corrected model on his =eb pae/
7/25/2019 RCR Presentation Revised
Mista'es and NelienceCase Study Questions
TRUE or FALSE17ecause correctin the error in the earlier model did not chanethe interpretation of data in the t+o published manuscripts, the authors are under noobliation to correct the published record/
FALSE/Researchers are obliated to be as accurate as possible in the conduct oftheir research, includin anal&sis of their data, in order not to mislead subse*uent
researchers and those +ho +ill use the research/ Therefore, it +ould be nelient ofthe authors not to correct the published record/ The& should send a corriendumnote e-plainin an author3s error. to the editors of the 4ournals of the pre6iousl&published papers containin the erroneous model/
TRUE or FALSE1%n correctin the model of infections, ?uan must 'eep a record ofall references to the codin error in the oriinal model/
TRUE/To fulfill &our responsibilit& to maintain the interit& of the research record,:@mista'es in other documents that are part of the scientific record 2 includinresearch proposals, laborator& records, proress reports, abstracts, theses, and internalreports 2 should be corrected in a +a&

subset: commoncrawl


text:
CHICAGO – Patrick McDonald of HollywoodChicago.com appears on The Eddie Volkman Show with Hannah B on WSSR-FM (Star 96.7 Joliet, Illinois) on August 5th, reviewing the TV series "Loot," featuring Maya Rudolph. Currently on Apple TV+ with the 9th of ten episodes available to stream today.
Brooklyn's Finest
DVD Review: 'Brooklyn's Finest' Fires Up Screen With Superb ActingSubmitted by mattmovieman on July 8, 2010 - 1:23pm
CHICAGO – Antoine Fuqua certainly can't be faulted for a lack of enthusiasm. His movies often skate on the edge of silliness, and occasionally dive headfirst into the wretched waters of overwrought melodrama. But for all his flaws, Fuqua never seems to be phoning it in. His tireless energy and intensity bolsters the impact of his stories, no matter how preposterous they may be.
Don Cheadle, Wesley Snipes, Richard Gere Are 'Brooklyn's Finest'Submitted by PatrickMcD on March 5, 2010 - 10:07am
CHICAGO – The "thin blue line,' that imaginary border that separates society between order and chaos, is experienced on a daily basis by the police "force." The human beings knighted with this responsibility are "Brooklyn's Finest."


text:
Category Archives:Health
Important information about using CBD share
The Health Advantages of CBD have become known due to the latest experiments consequently folks now use them for health and recreational reasons. A lot of on the internet systems are Venta de CBD thus it is possible to purchase from them. We will discuss some valuable specifics of CBD in this post.
CBD items can be bought in variations
CBD items can be found in various forms you can find CBDA as well in the market. These gummies can be found in different shapes and tastes. These CBD gummies are high in desire.
They are good for the
Different people have different boasts in relation to the key benefits of the CBD goods. Some think they are good for the health while others think that the adverse affects are higher when compared to positive effects. People mostly start using these CBD products for tackling the despression symptoms and pressure-relevant problems. Discomfort-associated issues could possibly be easily tackled by utilizing CBD items.
CBD items are quite powerful
CBD merchandise is quite successful for different health problems. However, it is essential that you use these CBD merchandise depending on the recommendation of your physician. In case you are without having any prescription from the medical doctor, these products could have adverse affects in the wellness as well.
Legalities concerning the use of CBD merchandise
There are a few legal issues at the same time concerning the use of these CBD goods. For that reason, it is important that you gather information about the legal issues regarding CBD use before trying them. Some countries around the world recently legalized the usage of CBD also but even during those countries around the world, the power of THC is lower than .3Per cent from the CBD items.
CBD is safe for use but even then it is vital that you explore your overall health situation with the medical professional after which start using these CBD products.
Are Online Cannabis Flower Stores Legal? share
Cannabis is actually a worldwide crop. There is certainly hardly someone not aware of the employs and advantages of CBD products, considering their restorative result on the mind and body. Although each component of a marijuana plant features its own pros, Cannabis blüten is not any less. CBD blossoms will be more successful in comparison to all kinds of other compounds because they enhance the bioavailability of CBD with efficient consumption within the circulatory system. Several consumers tend to be unclear about acquiring CBD merchandise. We will find out how you can Buy CBD flowers (CBD blüten Kaufen).
Advantages of purchasing on the internet
•Offers at front doorstep: the web based marijuana blossom stores make certain product or service shipping at doorsteps. In this manner, the buyers will not need to traveling extended distances or explore jampacked market segments.
•Swift: The shipping often acquire 2-3 days to achieve the buyers straight away. One need not wait for times and days to get their shipping and delivery. Not merely quick, although the deliveries can also be harmless and anonymous.
•Special discounts: buying CBD merchandise on the internet gives consumers with fascinating offers as well as a optimum cut in the price, which happens to be suprisingly low. Also, you can find gives on several items and discount savings every so often. In this way, users can help to save lots of money on CBD merchandise.
•Legitimate: the online CBD merchants are lawful and authorized. There is absolutely no threat on the clients regarding security disclosure, scam, or financial scams. It can be all confirmed, secure, and protect practical experience all round.
•Secure obligations: transaction alternatives are several. The internet shops enable the buyers to pick a transaction solution that suits them greatest and savor protect deals.
In this manner, one could buy CBD flowers on the web and reward in a lot of approaches. CBD treatment is simply one phase away.
What are the things that you need to keep in mind while consuming CBD products? share
CBD is one of the greatest parts of cannabis which help individuals to get relief from a variety of difficulties. Various studies have helped conclude that CBD is beneficial and will offer you several neuroprotective rewards. All somebody has to keep in mind before eating CBD is that you should consult your physician. You can consider the impending sections to have every piece of information you need to recall.
•Seek advice from a health care provider
Before eating CBD goods, you should keep in mind that you need to seek advice from your doctor about its consumption. The medication dosage of CBD must be talked about with physicians because it is a vulnerable concept. You are able to tell the physician regarding your problem, and that he will prescribe you the volume of Hachís that you should acquire. You may also get complete information about CBD from the medical professionals. Furthermore, for those who have any problems linked to weed, then you could seek advice from question all the concerns through the medical professional?
•Determine the reduce of ingestion!
The core component that your man or woman should remember before taking in CBD takes the reduce in consecration. The majority of people begin eating CBDA without using the limit in consecration. This might bring about several losses within your body, also it can harm you inside. Nevertheless, you can find different types of goods accessible, so you will have a lots of rewards whenever you create a suitable reduce of ingestion.
You must come up with a correct dose because a severe decrease could be in your body if you are taking a large volume of hashish. Moreover, additionally it is noticed that taking a sufficient volume of hashish will assist consumers with very good potential positive aspects.
Everything You Wanted To Know About MetaBoost Connection share
It will become problematic for ladies to drop weight after 40 because of melancholy and also metabolism. metaboost connection Link is really a weight and fat loss app created by Meredith Shirk. It targets on nutrition and exercises specifically designed for ladies who are forty and over. The program can be found on metaboosting site and commences in $29.
What Exactly Is MetaBoost Connection?
It is a Mixture of'meta-influencers' And a pair of targeted exercises which helps in activating the mobile of your own body. The customers with the application know cellular respiration — a process that comprises a set of metabolic responses and procedures that take place within a mobile . This approach is important for converting the nutrients directly to ATP; it's the electricity employed by the cells. The standard of ATP decides the metabolic performance of the human anatomy. This system intends to flip the'MetaSwitch' or increase the ATP to accelerate the process of weight and fat reduction.
Features of MetaBoost Connection
• Low-impact Exercises:Determined by YouTube video clips or influencers might be harmful to elderly girls. The program comprises exercises which use isometric motions and focuses on specific muscle bands. These Stretching exercises don't lead to a good deal of soreness and usually do not involve some gear. All you need is distance to extend out.
• Diet plan: this program gives extensive details on the super foods that you has to include in their diet to increase the sluggish metabolism. These super foods activate the hormonal function in women and support in balancing them. All these food items aren't expensive and are available in one's local market.
Follow these tips and see fluctuations In your own body to your own.
Formulas To Make Teeth Shiner With G-Force Supplement share
It's really a supplement that is employed for boosting the teeth's. Teeth demand exceptional care. They should never be discounted. Specific; care needs to be obtained. There are multiple signs that may let that attention needs to be given to teeth. As an instance, badbreath, tooth' becoming yellow, etc.. Many kinds of a complement are found in online, and this could help take care of teeth. Supplements which are available online are all natural. They help in multiple ways. There are many types of pates available. Ingredients blended to make sure they are really are mentioned inside them. The gap could only be sensed after using it for a longer time. For each issue of teeththere is just a different kind of pastes out there. Some people today use it each day to keep the whitish shade of tooth. Become familiar with more on the topic of this g-force supplement reviews solution below.
Advantages of Buying pastes online
Pastes have been made up of Plants. Seeds, barks of timber are traditionally utilised to make the pastes. Pastes and Liquid both are available in online shops. That was an option to return should it not get the job done. That is a blueprint of utilizing such pastes. Guidelines have to get read just before usage. There are videos too present within the internet portalsite, which will teach how to utilize them properly. It is dependent on the frequency of the use of products. You'll find many types of promotions also, that will keep on running online quad core portal. Nowadays with the help of internet portal sites, the order might be made from global boundaries.
The price of The goods is not costly. There are many kinds of merchandise out there in online shops. It is not necessary to always purchase adhesive then use it. Few products could be properly used after cleaning teeth too well to make gums sturdy. Few formulations might be accomplished every day than cleansing teeth to keep them healthy.
Lose The Extra Junk With Purelife Organics Flat Belly Tea share
If you are a yoga Enthusiast or really are somebody who always worries about their own weight, subsequently purelife is your product especially designed for you personally. Purelife makes it possible to eliminate the additional crap within three months of dosage and can help you obtain back your own confidence. The purelife organics flat belly tea are completely natural and will assist your degrading health too!
Purelife is a dietary supplement That you can eat up along with your typical daily diet . Purelife functions miracle when absorbed . The things that Purelife contains is completely natural and natural, thus helping the human body keep healthier. Purelife powder and also Purelife supplements are now offered in a very reasonably priced pace.
The Things Which purelife organics flat belly tea Has To Give
The ingredients are Completely secure and organic. Purelife organics flat belly tea is targeted on those who want to drop weight in a healthful way besides taking a look at their finest. A few of the things that purelife contains are Thistle, Barberry, jujube, Brassica, Alfalfa, Taraxacum leaves, and Grape seeds. Each of those ingredients functions onto a particular portion of your body that will assist you look your very best in just 3 months.
The Marian thistle Comprises BPA chemicals that clear the endocrine process. The barberry assists in reducing your tenacious cholesterol. Jujube seeds assist reestablish digestion, also Brassicas help you stop your persistent food cravings. Apart from this, Alfalfa provides natural vitamins to the liver, also taraxacum leaves nourish your entire body with Vitamin K. The berry seeds would be the final component that mostly detoxifies your body.
Truly, Purelife can be A blessing to most of the people who want to keep themselves healthy besides losing that excess weight. Besides the granulated powder Leptofix drugs can likewise be consumed for more advantage.
Sum up
Purelife Ingredients Are a health supplement which will never allow you . So, get Purelife today and reduce the crap you have ever wanted to remove!
Where are the best results on wrinkles? Get the results here share
Many Factors Have Been In charge of wrinkles. Though it will surely be set in with age; using effective management, the procedure could be slowed up and it will not be as conspicuous that it would have been if the approach has had place naturally.
If You Prefer to Find exactly the Best results which you are entitled to at the managing of this awkward predicament; subsequently you definitely can connect into the likes of Orange County Med Spa they have the magic wand that produces things happens. We shall look at a number of of the facets that are accountable for wrinkling.
Environmental and lifestyle factors
You can find Ecological elements which promote regeneration. Certainly one of this really is smoking cigarettes. People who smoke are accountable to experience ancient signals of wrinkling. You need to every thing possible to maintain the natural pigmentation on skin. Those that utilize whitening lotions will ruin the all-natural pigmentation within your own skin.
When the pigmentation On the skin has been changed; wrinkles will set in at a relatively place in. Smokers are also likely to have cavities in their epidermis. The reason for the wrinkles may likewise be genealogical. At any speed; added care should be taken to avoid all the areas cited below.
Available treatments
You will find remedies To get any type of wrinkle. What it is you're required to do is always to ensure that you are connected to a respectable vendor that has all it can take to effortlessly care for one's interests. You Will Get the best results through the likes of Orange County Med Spa.
Encourage Weight Loss Through Proven Supplement Pills! share
Weight-loss could be Difficult process which demands a good deal of attempts for seeing any substantial shift. It's a dream for most people to lower their excess fat and eventually become fit for a number of explanations. The exact first reason would be to direct a nutritious lifestyle with no medical issues and fat-induced conditions. The 2nd rationale, for several individuals, might be to check better. While everybody else wishes to lose excess weight, it is simply feasible for a tiny portion of the populace to lower the surplus fat.
If you Are a Person who wants To see the consequences without even putting efforts throughout the day then you definitely cant decide to try Provenfat loss supplements now!
Exactly what isthe Proven Weightloss Nutritional supplement?
proven weight loss reviews Is Just a weight loss Nutritional supplement which is made with natural ingredients that aids the people to cut down on the own weight for reaching a healthy life style free from any obesity-related diseases. These nutritional supplements work by boosting the fat burning capacity of the human anatomy while also removing any sterile toxins that may possibly be contained from the body.By assisting people reduce their own weight, these dietary supplements can easily increase their body's actions along with flexibility. This, consequently, leads to a better lifestyle all around.
What Do You Need to see earlier Purchasing these supplements?
Before You Proceed and Purchase the pills, so you also should try out checking the reviews out offered by real clients of the product. In the event the customers who had used the merchandise sooner were satisfied with the outcome and had been in a position to cut back their weight as specified then you definitely should obtain the merchandise with no problems.
Purchase weight loss Supplements to acquire a fit human anatomy now!
A Complete Guide Of Medicare Supplement Plans 2021 share
Which are Medicare Supplement plans?
Best Medicare Supplement plans 2021 don't function as with other life Insurance coverages do. In fact, they will not offer you any healthcare advantages. Conversely, these strategies cover the charges that you're accountable for using First Medicare.
Such prices could comprise:
• Deductible to your Medicare
• The Co-insurance
• Physician's office charge once you are from Medicare-covered months
Qualified rehabilitation home prices Once you are out from Medicare-covered days
So, this is the Way That It works: You're Paying an additional value for your own Medicare supplement plan. Such projects are also thought of as Medigap. In exchange, what's needed demanded a lot of your out-of-pocket expenses. And, everywhere you head to the hospital, for instance, you do not have to pay the 20% income top that Medicare desires. Your Medigap insurance coverage is really working out for youpersonally. For certain Medigap policies, you might just find a co-pay rather than 20% coinsurance.
Medicare replacement apps Aren't The single choice. Medicaid complement programs additionally help protect Medicare payments. Additionally they give more insurance benefits that Medicare will not mean to restore.
Medicare Supplement Gains won't Supply Portion D reimbursement of medications. Of course, if you should be speaking about buying a few of these goods, then you're going to wish to ensure that you obtain a different part D bundle. Even a Medicare supplement package may be described as a sensible alternative for you personally whether you're a medication application out of an employer or armed forces support.
How different is the Medicare Advantage Plan 2021?
Medicare Supplement plans 2021, referred to as Medigap, can be a program that you can apply along with Original Medicare Parts A along with B. The Medicare Supplement (Aspect C) provides an Add-on to Areas A and B of Initial Medicare. That's a convenient way to get the importance of this insurance plan.
The two Medicare Complimentary Insurance Plan Procedures and Medicare profit Plans are all provided by way of Medicare-approved personal insurers. Instead, you can need to pay Medicare a recurring Component B price.
Effects of drug abuse on mental health share
There Are Various effects that the drug has in your body, and They are varied. The consequence usually is both psychologically and physically. In the majority of cases, there's an inherent mental health state which may perhaps not be identified, which can readily be linked to medication misuse.
At Buffalo Grove Teletherapy, you may possibly find the assistance that you require. Though using the dangerous substance could seem to ease the issue or perhaps the symptoms in the brief duration, one of the effects which the drug abuse is in your body is to create your mental health worse.
It has also been proven which, should you use drugs, it could wind Up causing mental health illnesses. It's especially true if you've got an ecological or heritable element which may lead to mental disease. The effect of the medication may then force one to emotional illness.
Drug misuse Emotional wellness
When stopping medication use, most withdrawal symptoms symptoms might predominate Mental illness indications. This creates it difficult, especially if you are experiencing double diagnosis to stop, and the effects of medication misuse can turn out clearly. Dual identification identifies when a substance abuse issue occurs to introduce itself every now and then with a mental issue.
It might not be easy to identify it and also get cure. Specialist treatment by means of a provider like Buffalo Grove Overdose Prevention might be exactly what you have to find. Instead, they are conversant with handling the dual identification, also it'll be effective since they truly are very likely to treat the 2 ailments simultaneously.


text:
County Championship: Northants chase 320 and Durham win, Leicestershire draw at Derbyshire
Last updated on .From the section Counties
Northamptonshire pulled off a run-chase to beat Surrey while Durham won on the final day of their Division Two match.
Northants, who resumed on 106-2, chased down 320 with just two wickets remaining after an innings of 99 from Rob Keogh and Luke Procter's 57.
Durham took 10 overs to take the three wickets they required to beat Glamorgan by an innings and 42 runs.
In Division Three, Derbyshire drew with Leicestershire and Sussex were forced to follow on by Middlesex at Hove.
Sussex captain Tom Haines hit a career-best 156 as the hosts were bowled out for 319 on day three, and they were 88-3 at the close, still 269 runs behind Middlesex's first-innings total of 676-5 declared.
The final day was well poised at Northampton, and Northamptonshire pulled off a thrilling chase.
The hosts lost Emilio Gay for 50 but a solid partnership between Keogh and Proctor saw them past 200 before Keogh fell agonisingly short of his century when he was caught off Jordan Clark at mid-wicket.
Proctor and Rossington (32) guided Northants to 271-4 but, after the new ball was taken, both men departed in the space of five deliveries before tea, and Surrey had renewed hope when the wicket of Saif Zaib left the hosts on 287-7.
Tom Taylor then dragged Northants to the cusp of victory, but he was brilliantly caught for 25 down the leg side by wicketkeeper Jamie Smith off Jordan Clark (5-76) with just two runs required.
However, first-class debutant James Sales - the son of former Northants captain David Sales - hit the winning runs when he pulled Cameron Steel to the boundary.
At Chester-le-Street, Durham took little time to see off Glamorgan.
The hosts had been stalled by a 163-run seventh-wicket stand on day three but closed out a big win before lunch as Glamorgan added 31 runs to their overnight total of 333-7.
The first breakthrough came when Andrew Salter edged Paul Coughlin behind for a career-best 90 and Chris Rushworth then clean bowled Lukas Carey for a duck.
Coughlin then ended the contest by removing Michael Hogan to finish with 5-64, and match figures of 9-75, on his return from injury.
Division Three
Leicestershire managed to enforce the follow-on in the morning session at Derbyshire, but Billy Godleman's unbeaten century helped the hosts to salvage a draw.
Derbyshire were bowled out for 340, having added 27 runs to their overnight score and seen their final-wicket partnership dig in for 13 overs, but still trailed the Foxes by 188 runs.
Tom Wood edged Chris Wright behind from the second ball of the second innings, and the seamer also had Leus du Plooy caught behind to leave the hosts 18-2.
Wright then removed Wayne Madsen but Godleman and Matthew Critchley (59 not out) came together with an unbroken fourth-wicket partnership of 139.
And, after Godleman reached his century - his first of the season, which included 13 fours - Derbyshire had edged 15 runs in front and the two sides shook hands to bring the final session to an early close.
On day three at Hove, Sussex resumed on 103 without loss but opener Ali Orr edged Blake Cullen behind from the seventh ball of the day.
Tom Haines passed his century in a 118-run partnership with Ben Brown before Brown was stumped on 80 off the bowling of Luke Hollman.
On a flat pitch, Middlesex then began to take wickets regularly and Sussex lost their final six wickets for 12 runs as Hollman (5-65) registered his maiden five-wicket Championship haul.
Still ahead by 357 runs, Middlesex captain Tim Murtagh enforced the follow-on and the visitors managed to pick up three wickets before the close.
Hollman got two of them, bowling Ali Orr for 20 and then having Ben Brown stumped, and nightwatchman Sean Hunt lasted 13 balls before he was trapped lbw by the part-time leg-spin of Sam Robson.
Captain Haines was left on 39 not out - and 18 runs shy of becoming the first batsman to reach 1,000 Championship runs this season - but his side are facing an uphill battle to salvage a draw on the final day.
Day Four scoreboards
Division Two
Chester-le-Street: Glamorgan 97 & 364 (Douthwaite 96, Salter 90, Rutherford 71; Coughlin 5-64) v Durham 503-8 dec (Jones 81, Raine 74, Trevaskis 55*). Durham won by an innings and 42 runs.
Northampton: Surrey 252 & 238 (Jacks 50; Kerrigan 4-36) v Northamptonshire 171 & 322-8 (Keogh 99, Procter 57, Gay 50; Clark 5-76). Northamptonshire won by two wickets.
Division Three
Derby: Leicestershire 528 (Hill 113) v Derbyshire 340 (Guest 116, Dal 106) & 203-3 (Godleman 100*, Critchley 59*). Derbyshire drew with Leicestershire.
Hove (day three): Middlesex 676-5 dec (Robson 253, Stoneman 174, White 110*, Andersson 88) v Sussex 319 (Haines 156, Brown 80; Hollman 5-65) & 88-3 (Haines 39*; Hollman 2-16).


text:
Colibri Cigar Lighters
Monaco Silver and Black Lighter 3CMNSB
The Colibri Monaco Silver and Black Lighter is certain to catch the eyes of the shoppers that frequent your cigar store. Bearing a striking and luxurious silver finish with black highlights, these gems are some of the best lighters available on the market. Coming from a company who has been crafting top-shelf cigar accessories since way back in 1928, Colibri has perfected their ergonomic design and provides a wind-proof triple jet torch flame so customers can spark up their favorite handmade premium cigars in any setting. The pull-down ignition also makes sparking up a breeze and as easy as a flick of a switch, and they will look exceptionally good in your shop's display case. Get Colibri Monaco Silver and Black Lighters at the best wholesale prices on the web by ordering them online today at Santa Clara Cigars.Read more
Wholesale Price
Login required


text:
On his Youtube channel, James Shack , chartered wealth manager, urged people to do "everything they can" to get the best rates available. He explained the biggest mortgage mistakes he sees his clients make that "leave them paying thousands more than they need to". Related articles State pension payments could stop for thousands in months - act now Pension: Britons could lose out on £7,800 through 'torpor tax' He said: "Mortgages are an extremely useful tool when used correctly but I often see clients making silly mistakes that cost them thousands." With mortgage rates on the rise, it can be detrimental to leave new fixes to the last minute. Britons should understand the Loan-to-Value (LTV) of their properties or it could really cost them. LTV means the proportion of debt being borrowed against the value of the property. READ MORE: Carer's Allowance: Claimants could earn more than £132 each week and keep benefit An expert … [Read more...] about Mortgages: Britons warned of 'silly mistakes' which leave them 'paying thousands more'
Millions of broadband, mobile and mortgage customers overpaying by up to £1,144 a year – how to fix
MILLIONS of people across the country are overpaying on their bills by staying loyal with their mortgage and utility providers. According to data released by Citizens Advice, one in seven are still paying the loyalty premium across the broadband, mobile and mortgage markets. The charity has uncovered that nearly 10 million people across the UK are overpaying these bills by more than £1,000 a year, on average. People are paying an extra £61 for broadband, £83 for mobile and £1,000 more on their mortgage. While all telecom firms send end-of-contract notifications, and a breakdown of airtime and handset costs for mobile tariffs - some don't. Once the handset has been paid off, most firms stop charging for the handset, but some don't. For customers on bundled contracts who've been out of contract for three months, EE gives a 10% discount. Vodafone offers a £5 monthly discount for contracts over £11 taken out before June 2021. Customers that took out bundled … [Read more...] about Millions of broadband, mobile and mortgage customers overpaying by up to £1,144 a year – how to fix
Urgent warning for mortgage bills as Bank of England prepares for historic interest rate rise this week
THOUSANDS of homeowners are about to see their mortgage repayments go up by hundreds of pounds a year, as the Bank of England prepares for a rise in interest rates. The Bank is expected to raise the base rate from 1.25% to 1.75% on Thursday. The interest rate was at a historic low of 0.10% during the pandemic , but has since risen as the Bank tries to tackle inflation - and now the rate is set to rise again. Homeowners who are on a variable or tracker mortgage are likely to see their monthly repayments rise as a result. Those on tracker mortgages will see a change as they are directly pegged to the base rate. And those on a standard variable rate (SVR) are likely to see a change but will have to wait and see how their lender reacts and when. Some banks announced rises within minutes last time there was an interest rate rise. Read more on mortgages PROPERTY PRICE DIP House price growth will slow as mortgage rates rise, experts … [Read more...] about Urgent warning for mortgage bills as Bank of England prepares for historic interest rate rise this week
Exactly how much your mortgage could rise by if interest rates are hiked this week
Mortgage prices could soar by hundreds of pounds a year if the Bank of England decides to hike interest rates tomorrow. Experts think the Bank of England will put it up its base rate from 1.25% to 1.75%. That 0.5 percentage point rise would be the highest in 27 years if it happens. Any increase in the base rate, also known as interest rate or Bank rate, means the price of some mortgages will go up. Moneyfacts data shows the cheapest rate for someone looking for a two-year £200,000 mortgage now is 2.89%. This is currently being offered by Monmouthshire Building Society. ( Image: Getty Images) Over 25 years that works out at £937 a month. If a 0.5% base rate rise is passed on, these monthly repayments would go up by £52 to £989 - that's an extra £624 a year. And that is just for the cheapest deal out there. The average two-year fixed mortgage was 3.46% last month, according to broker L&C Mortgages. Someone borrowing the same amount as above would be … [Read more...] about Exactly how much your mortgage could rise by if interest rates are hiked this week
Exact amount your mortgage will go up by as interest rates hit 1.75% – and your bills could jump by HUNDREDS
MORTGAGE rates are set to rise within hours after the Bank of England hiked rates - and homeowners are being urged to check exactly how much their repayments are about to go up by. The Bank of England has raised today the base interest rate from 1.25% to 1.75% - the biggest increase in 27 years. The interest rate was at a historic low of 0.10% during the pandemic , but has since been increased six times as the Bank tries to tackle inflation . The Bank of England's monetary policy committee (MPC), which has nine members, today voted eight-to-one in favour of a rise to 1.75%. The Bank also warned that the UK was set to enter recession this winter, with the economy forecast to fall by as much as 2.1%. Inflation is likely to peak at 13.3% in October, it said. Read more on mortgages RATE RISE Urgent warning for mortgage bills as Bank of England set to raise interest rate HOME A-LOAN We're saving THOUSANDS on our … [Read more...] about Exact amount your mortgage will go up by as interest rates hit 1.75% – and your bills could jump by HUNDREDS
What is private mortgage insurance? Is it required? Here's what to know
There are many expenses involved with buying a home, especially if you're taking out a home mortgage loan for the purchase. If you plan to take out a conventional loan, one possible cost you could encounter is private mortgage insurance (PMI). Here's a look at what private mortgage insurance is, when it is required, who is responsible for buying it, and the kind of coverage it offers. Check your mortgage eligibility at LendingTree What is PMI, and when is it required? PMI is a type of insurance coverage that a mortgage lender may require in order to protect itself from any potential losses if a homeowner defaults on their home loan. It may be required if you have a conventional loan and put less than 20 percent down on a home or refinance your mortgage loan and leave less than 20 percent equity remaining in the property, according to the Consumer Financial Protection Bureau (CFPB) . A home loan with a smaller down payment represents a bigger risk for lenders, … [Read more...] about What is private mortgage insurance? Is it required? Here's what to know
Mortgage warning: Homeowners urged to act – or risk 'adding hundreds' to monthly bills
Claer Barrett offers advice on locking in fixed rate mortgages SUBSCRIBE Invalid email We use your sign-up to provide content in ways you've consented to and to improve our understanding of you. This may include adverts from us and 3rd parties based on our understanding. You can unsubscribe at any time. More info On ITV's Lorraine this morning, finance expert Claer Barrett answered listener questions on how they can survive the cost of living crisis and rising bills. With interest rates rising at the fastest rate in 20 years and mortgage rates rising even faster, many people are worried what will happen when their fixed mortgage term comes to an end. Related articles Pensioners have one week left to qualify for vital boost worth £650 Lighting hack will reduce the average home's bill by £268 a year Ms Barrett urged a listener to plan ahead to avoid falling on the lender's Standard Variable Rate. Michelle emailed … [Read more...] about Mortgage warning: Homeowners urged to act – or risk 'adding hundreds' to monthly bills
What are mortgage closing costs?
Your down payment may be one of the most expensive upfront costs you face while buying a home , but it's not the only one. You'll also have closing costs — expenses associated with originating, recording and closing your mortgage loan. Both these and your down payment are due before you can finalize your mortgage and get the keys to your new house, so preparing for them is critical. Eligible for a mortgage? Check your options at LendingTree Exactly what costs can you expect, and how can you calculate them? Here's what you need to know. What are mortgage closing costs? Closing costs are comprised of many separate fees, including lender-side fees, title costs, escrow expenses and more. Here's an idea of some of the closing costs you may see on your mortgage: Lender fees : These are fees paid to the mortgage lender and others involved in the mortgage process. They include things like origination fees, points, underwriting fees, the cost of pulling the borrower's … [Read more...] about What are mortgage closing costs?
Cost of living: How interest rate rise will impact your mortgage bill
The Bank of England has imposed the biggest interest rate hike since 1995 in a bid to tackle inflation, but is adding significant costs to borrowers in the process. Consumer finance experts told Sky News there were significant savings to be had by switching to a fixed rate mortgage deal and shopping around for higher savings rates after the bank rate - used to determine tracker and standard variable revert rate (SVR) mortgage repayments - was raised to 1.75% by policymakers in the City. It marked the first time in over quarter of a decade that such a hefty increase, of half a percentage point, has been imposed following five previous, but smaller hikes, since December. It follows hot on the heels of sharp rate hikes by the US Federal Reserve amid a warning from the International Monetary Fund that central banks should be taking an aggressive stance against inflation . Why is the bank raising interest rates? Advertisement It is all part of … [Read more...] about Cost of living: How interest rate rise will impact your mortgage bill
Home listings surge as rising mortgage rates push some buyers to sidelines
New housing inventory grew rapidly in June as the recent spike in mortgage rates pushed some buyers to the sidelines. That's easing an acute supply shortage, but affordability continues to be a headache for house-hunters, given the combination of rising rates and record-high asking prices. Active home listings grew at an annual rate of 18.7% in June compared to a year earlier — the fastest pace since 2017, according to a new report from Realtor.com. Because some buyers are getting priced out of the market, homes are sitting on the market for longer and easing the inventory crunch, it added. During the pandemic, many Americans wanted either relocated or moved into bigger homes amid a shift to remote work, while new home construction trailed off due to labor and supply issues. Facing an inventory logjam, buyers competed with all-cash offers and waived contingencies to secure deals, driving housing prices to new records. Even as the inventory drought is now easing, prices — and … [Read more...] about Home listings surge as rising mortgage rates push some buyers to sidelines


text:
A Winters Express op-ed column
By Rebecca Fridae, Winters Friends of the Library President Special to the Express I have said this many times before, and I am saying it again now; I am grateful to live in Winters. It is a community of people that support each other every day. Once again, donors came forward on the Big Day of Giving, on May 6, to make sure our volunteer organizations in town had funds to do what they need to do. Eight nonprofits joined together to publicize their needs. Each organization is an important entity in making Winters unique. Winters Education Foundation, Winters Music Boosters, Winters Senior Foundation, Winters Participation Gallery, The Historical Society of Winters (Museum), Winters Farm to School, Putah Creek Council and Winters Friends of the Library collaborated to promote Big Day of Giving, a Sacramento Regional Foundation fundraiser that coordinates people giving to nonprofits on one day in May each year. This year, when the preliminary numbers were announced, Winters Friends of the Library received at least $32,800, from 144 individual donations. Ten thousand of that was a matching-fund created by gifts from Crowne Communities, First Northern Bank, Homes by Towne, Waste Management of Woodland, The Rotary Club of Winters, Winters Friends' board members, and other Friends. One philanthropic, anonymous donor gave an additional $10,000 dollars to add to our matching fund. We thank all these generous donors for their welcomed support. Businesses in town offered help and contributions as well. The Winters Express, Charley Wallace, Winters Printing, Lester Farms Bakery, Steady Eddy's, and other downtown businesses offered support by sharing social media posts and displaying posters. We appreciate their help. The students from the high school Interact Club, under the leadership of Olivia Rodriguez, created a personal fundraising page online and raised over $1,000 toward our goal. We are grateful for their hard work and dedication to our library. The Sacramento Regional Foundation and Yolo County Regional Foundation helped our cause as well. They supplied all the nonprofits with monetary prizes, promotion, and training. WFoL won two of their prizes, one, called the Business Partnership prize, a $2,500 prize for collaborating with our other nonprofits and several businesses in town, which was split between the eight groups, and one prize that was an hourly prize for donations. Former Winters Librarian, Toni Mendietta, offered a special Pajama Storytime the night before the event as her way of giving something back to WFoL. I am grateful to her. I thank all the volunteers in our Friends group. Lisa Nalbone led her Communications Team, including Ameryn Briggs, Megan Bettis, and Natalie Hernandez in working hours and hours to make things run smoothly and efficiently. They created pages on our website, monitored progress, and wrote all the thank you notes. They have earned my gratitude and admiration. Every board member contributed donations and time to make it the success it was. Revalee Hemken collected stories and photos to share on-line of how the library has affected the lives of so many in town, Carol Scianna had the hard task of asking businesses to help with the matching fund, and Sally Brown kept all the accounting in order. The entire board put in a great team effort, and I thank each and every one. As soon as our county opens back up, we will begin to use the funds to Refresh, Restore and Reconnect at our library. Won't that be wonderful? If you are new to Winters, and would like to have a larger part in what is happening in town, choose an organization and volunteer. It is the glue that holds our community together and makes us all part of the whole. It is way to make friends and see up close, what makes Winters, Winters. If you'd like to learn more about our organization, you can find us online at wfol.org


text:
Anthony Martial asks Man United for security at his house following vile abuse
Anthony Martial has been the target of much abuse in recent weeks.
The Frenchman, as well as Axel Tuanzebe, were racially abused after United's 2-1 loss to Sheffield United last weekend.
Martial's wife, Melanie, was also abused.
She took to Instagram to share messages she had received from online trolls.
One troll even sent her and her family death threats.
Martial has now taken action following the threats against him and his family.
According to the Daily Mail, the 25-year-old has asked United to help with security at his house following the abuse.
Martial and his family are both said to be 'concerned' and 'angered' following the messages that were sent.
United have declined to comment but it is understood that they are happy to assist.
As well as beefing up security, the Red Devils are also expected to launch a review of safety measures at Martial's home.
They did the same for Ed Woodward when flares were launched at his home last year.
It's sad that, in 2021, the abuse that Martial has gotten is so bad that he feels concerned for his safety.
Martial has not spoken out publicly since receiving the abuse.
Ole Gunnar Solskjaer has, though, with the Norwegian condemning the abuse some fans have sent players recently.
"It's just incredible that abuse like this still happens in 2021," said Solskjaer about the abuse, per Sky Sports.
"We've been campaigning for a long time now in the Premier League and I think it's working, but there are still some people that haven't got it.
"They hide behind anonymous social media accounts and it's unacceptable. It's disgusting. They are not Manchester United fans in my mind, when this happens. We stand behind every single one of our players.
"It's something you don't expect to see but it doesn't surprise you when it does happen from time to time. You have to feel sorry for these individuals.
"The social media platforms need to be looked at. If you can create an anonymous account and abuse people, that's not right. We'll work together with everyone to stop this nonsense."


text:
dropping illiteracy levels among school children W r i t i n g
The topic choice is The Salem Witch Trails. There is a research paper that goes with this and they both aren't due until Nov 29th at 11:59pm.
To prepare for your Research paper, you will submit an annotated bibliography that contains at least four (4) secondary sources. These sources should come from the JTCC library databases (Links to an external site.), OR another CREDIBLE source (use your best judgment for evaluating source material). For each source, you will provide a paragraph length annotation. Make sure your selected sources will aid in your research and provide substance for your long research paper.
- You must provide at least four (4) sources
- Each source should be a critical argument on the topic you've selected for your research paper
- Sources that only provide biographical information, generalizations, or plot summary are unacceptable; the source MUST provide an argument and make a point
- The annotation for each source should be a paragraph in length, at least 150-200 words.
- You must include a brief summary of the source. This summary should include the author's thesis (as a paraphrase) and be no more than about 50 words
- You must provide an analysis of how you may use the source in your paper
- For more information on how to write an annotated bibliography (Links to an external site.), you should view the Purdue OWL's website
MLA Style
- Your bibliography should be formatted according to MLA format
- For each source, you must provide an MLA citation (Links to an external site.)
- the annotated bibliography should be formatted as citation first, followed by annotation
Mechanics, Grammar, and Punctuation
- All written assignments should be mechanically and grammatically correct with proper punctuation
- For more information on each of these, you should view the Purdue OWL's General Writing Resources (Links to an external site.) page
Here is something to help
Annotated Bibliographies
How to Write an Annotation
Why write an annotated bibliography?
- You can discover what your source contains (analysis).
- You can discover how best to use that information in your paper (organization).
- You can discover how to restate your topic into a "working" thesis (purpose).
The first 3 questions:
- What is the main, or most significant idea of this source?
- What is the author trying to do (purpose)?
- Who do you think is the author's intended audience?
Combine the Answers:
Example: Smith focuses on dropping illiteracy levels among school children, categorizing socioeconomic levels, racial groups, and parents' educational background. Aiming at a general audience, Smith attempts to convince his readers that most children do poorly in school because their parents don't work with them in home study sessions.
The next two questions:
- What parts of the subject does the source emphasize or de-emphasize?
- What assumptions does the author make about the topic or audience?
Again, you combine the answers:
Example: The author emphasizes that parents need to be more involved in their children's education and assumes that these parents have the time, expertise, and the inclination to do so.
The final three questions:
- Is there any bias or slant in the source?
- Are there obvious omissions that seem important to the ideas being discussed?
- Does the evidence clearly support the author's main points?
The last sentences:
Example: While Smith's data supports his position, his solutions seem too simplistic and very general. Because he ignores the busy schedules, as well as the attitudes and expectations of some parents, his "just do it" advice doesn't seem likely to change the situation.
Extra Tips:
- Combine answers where possible
- Write 5-8 sentences that describe the information and ideas from each source
- Use an MLA type Works Cited page with a paragraph of analysis for each source
- Use alphabetical order
- Double-space everything
- Use a hanging indent for citations
Some useful verbs (Links to an external site.) to include in your annotations include asks, interrogates, queries, argues, juxtaposes, invokes, claims, studies, surveys, deals with, traces, employs, adheres to (an approach), emphasizes, compares, outlines.


text:
News Releases
PDF format of entire Quarterly news release including this Performance Overview, Financial Highlights table, the MD&A and Unaudited Financial Statements
Printer-friendly version of this Performance Overview
Productivity Improvements, Strong Results in all Operating Groups and Lower Credit Provisions Drive Earnings Growth
Year-over-Year Highlights1:
Other Highlights:
1. In the third quarter of 2002, $23 million ($14 million after tax) of acquisition-related costs were designated as non-recurring, increasing earnings per share (EPS) by $0.03. We have discontinued prominent disclosures of results excluding non-recurring items as explained in the Note on Performance Analysis and Performance Relative to Targets section.
2. The adjustments that change results under generally accepted accounting principles (GAAP) to cash results are outlined in the following table and explained in the section referenced in note 1 above. The adjustment that changes GAAP revenue to its taxable equivalent basis (teb) is discussed in the revenue section of Management's Discussion and Analysis.
3. All earnings per share (EPS) measures in this release refer to diluted EPS, unless specified otherwise.
Toronto August 26, 2003 – BMO Financial Group reported that its earnings for the third quarter ended July 31, 2003 were up 46 per cent from a year ago. Net income was $504 million and EPS was $0.95 for the quarter, compared with net income of $346 million and EPS of $0.65 in the third quarter of last year. Cash net income was $523 million and cash EPS was $0.99. Cash net income reflects the add-back of the after-tax amortization of intangible assets.
"BMO's strong third quarter results continue the earnings momentum established in earlier quarters and we are now solidly positioned to exceed our financial performance targets for the year," said Tony Comper, Chairman and Chief Executive Officer, BMO Financial Group. "I am very pleased that earnings from all of our operating groups are up from a year ago in a very competitive market and that credit performance continues to improve."
Mr. Comper indicated that improving the productivity ratio is BMO's top priority. He added, "Our improving revenues and the effective cost containment efforts of our employees have us well-positioned to achieve our goal of lowering the cash-productivity ratios of each of our operating groups by 150 to 200 basis points for the year."
Net income for the third quarter of 2003 increased $158 million from the third quarter a year ago. Each of the operating groups contributed strongly to the improvement. Personal and Commercial Client Group continues to generate higher earnings from Canadian operations, which benefited from sustained volume growth in all products. Private Client Group results were up sharply from last year as revenue grew while expenses declined. However, Investment Banking Group was the biggest contributor to earnings growth as a result of improved performance from investment securities. BMO had $12 million ($8 million after tax) of net investment securities gains in the current quarter versus net losses of $116 million ($72 million after tax) a year ago. All of the operating groups were successful in their cost management efforts, which contributed to the improved performance.
Relative to the second quarter of 2003, net income rose $95 million or 23 per cent, driven by higher revenue and a reduced provision for credit losses. Expenses were essentially unchanged in spite of three more calendar days in the third quarter. Personal and Commercial Client Group net income rose on broadly-based higher volumes, while Private Client Group net income was up due to higher brokerage commissions, driven by moderate improvements in equity markets. Investment Banking Group also rose, due to better performance from investment securities, and Corporate Support benefited from lower provisions for credit losses and lower costs.
Year-to-date, net income of $1,312 million increased $293 million or 29 per cent from the comparable period in 2002. The increase was largely attributable to improving credit performance, as the provision for credit losses was reduced by $300 million, and to improved performance across all operating groups. Investment securities losses were down $107 million from a year ago.
Revenue was $2,334 million in the third quarter of 2003, up $191 million or nine per cent from a year earlier. The prior year was affected by investment securities losses in the Investment Banking Group. Volume growth in Canadian personal and commercial banking and higher capital markets revenue in wealth management also contributed to improved revenue. The growth was tempered by the impact of the weaker U.S. dollar on U.S. denominated revenue.
Net interest margin was 1.84 per cent, a decline of 11 basis points from a year earlier and of 12 basis points relative to the second quarter. Investment Banking Group was the largest contributor to the declines as lower margin capital markets assets rose while higher margin corporate loans volumes declined in the weak lending environment. Personal and Commercial Client Group net interest margin was stable relative to a year ago, though lower relative to the second quarter. The reduction was due to declining interest rates and the competitive Canadian lending environment.
Non-interest expenses of $1,485 million were down $3 million from a year ago. Effective cost controls and the impact of the weaker U.S. dollar drove the reduction. These were partially offset by higher costs in Canadian personal and commercial banking, associated with performance-based compensation, strategic initiatives and higher employee benefits costs, and by higher performance-based costs in wealth management.
The expense-to-revenue ratio improved to 63.7 per cent in the third quarter, down from 69.4 per cent a year ago and from 67.2 per cent in the second quarter.
Gross impaired loans decreased by $269 million from the second quarter. Impaired loan formations totalled $249 million, down $101 million from the second quarter.
The provision for credit losses was $90 million, down from $160 million a year ago. Year-to-date, the provision for credit losses was $360 million, down from $660 million in the comparable period a year ago. Management now estimates that the annual provision for credit losses will be at or below $500 million for 2003, down from our target of at or below $820 million, which had been established following the fourth quarter of 2002, and down from our estimate of $600 million that was established following the second quarter of 2003. The reductions are attributable to our favourable loan loss experience this year.
The Canadian dollar equivalent of BMO's U.S. denominated revenues, expenses and provision for credit losses included in results was affected by the weakening of the U.S. dollar. The Canadian/U.S. dollar exchange rate averaged 1.37 in the third quarter, compared with 1.54 in the third quarter a year ago and 1.46 in the second quarter. The lower Canadian/U.S. dollar exchange rate reduced revenue by $82 million, expenses by $53 million and the provision for credit losses by $9 million relative to the third quarter a year ago. Relative to the second quarter, the lower rate reduced revenue by $43 million, expenses by $28 million and the provision for credit losses by $4 million. Year-to-date, the Canadian/U.S.dollar exchange rate averaged 1.46, compared with 1.57 in the comparable period a year ago. The lower translation rate caused revenue to decline $153 million, expenses by $103 million and the provision for credit losses by $18 million year-to-date. The effect of exchange rate movements is discussed more fully in the discussions of Net Income and Income Taxes in the MD&A.
2003 Earnings Outlook
Canadian real GDP is now anticipated to grow 2.1 per cent in 2003 after expanding 3.3 per cent in 2002. We had forecast growth of 3.8 per cent at the end of last year and 2.9 per cent at the end of the second quarter. The lower growth is largely attributable to a decline in exports, amid softer U.S. demand and a weaker U.S. dollar, and to the earlier outbreak this year of severe acute respiratory syndrome (SARS). Weak exports have held back business investment and, in turn, restrained growth in commercial loans. In contrast, consumer demand, especially for interest-sensitive goods such as homes and automobiles, continues to grow at a healthy pace, supporting strong growth in personal loans and mortgages. The Canadian economy is expected to strengthen in the second half of the year as U.S. demand picks up. With short-term interest rates likely to remain low for the balance of the year, the stronger economy should lead to an upturn in business lending and support growth in personal loans and mortgages.
The U.S. economic expansion, though uneven, shows tentative signs of improvement. Real GDP growth in 2003 is now expected to match the moderate 2.4 per cent increase in 2002. We had forecast growth of 3.2 per cent at the end of last year and 2.3 per cent at the end of the second quarter. Personal spending and borrowing continue to grow at a moderate pace, supported by low interest rates but tempered by sluggish employment. However, record sales of new homes and a strong resale market have sustained strong growth in residential mortgages. While business investment has picked up recently, commercial lending remains soft. The U.S. economy is expected to strengthen in the second half of the year in response to lower income taxes, a weaker U.S. dollar and low interest rates. This should support personal lending and translate into growth in business lending. The improved economic climate, coupled with second quarter increases in equity prices, should lead to an upturn in capital markets activity.
Note on Performance Analysis and Performance Relative to Targets
Cash-based earnings measures may enhance comparisons between periods when there has been an acquisition, particularly because the purchase decision may not consider the amortization of intangible assets to be a relevant expense. Cash EPS measures are also provided because analysts frequently focus on these measures and cash EPS is used by Thomson First Call, which tracks third-party earnings forecast estimates that are frequently reported in the media. Securities regulators require that corporations caution readers that earnings as adjusted for such items do not have standardized meanings under GAAP and are unlikely to be comparable to similar measures used by other companies.
Bank of Montreal uses a unified branding approach that links all of the organization's member companies. Bank of Montreal, together with its subsidiaries, is known as BMO Financial Group. As such, in this document, the names BMO and BMO Financial Group mean Bank of Montreal.
Management's Responsibility for Financial Information
As in prior quarters, BMO's audit committee reviewed this release, including the attached unaudited consolidated financial statements and Management's Discussion and Analysis of Results of Operations and Financial Condition. BMO's Board of Directors continues to approve these documents prior to their release.
Management's Discussion and Analysis of Results of Operations and Financial Condition (MD&A) for the quarter is attached. A more comprehensive discussion of our businesses, strategies and objectives can be found in the MD&A in BMO's 2002 Annual Report, which can be accessed on our web site as directed in the Investor and Media Presentations section. Readers are also encouraged to visit our web site to view other quarterly financial information.
To view the rest of this news release consisting of:
By their nature, forward-looking statements require us to make assumptions and are subject to inherent risks and uncertainties. There is significant risk that predictions and other forward-looking statements will not prove to be accurate. We caution readers of this document not to place undue reliance on our forward-looking statements as a number of factors could cause actual future results, conditions, actions or events to differ materially from the targets, expectations, estimates or intentions expressed in the forward-looking statements.
The future outcomes that relate to forward-looking statements may be influenced by many factors, including but not limited to: global capital market activities; interest rate and currency value fluctuations; the effects of war or terrorist activities; the effects of disease or illness that impact on local, national or international economies; the effects of disruptions to public infrastructure, such as transportation, power or water supply disruptions; industry and worldwide economic and political conditions; regulatory and statutory developments; the effects of competition in the geographic and business areas in which we operate; management actions; and technological changes. We caution that the foregoing list of factors is not exhaustive and that when relying on forward-looking statements to make decisions with respect to Bank of Montreal, investors and others should carefully consider these factors, as well as other uncertainties and potential events, and the inherent uncertainty of forward-looking statements. Bank of Montreal does not undertake to update any forward-looking statement, whether written or oral, that may be made, from time to time, by the organization or on its behalf.
Investor Presentation Materials
Quarterly Conference Call and Webcast Presentations
A live webcast of the quarterly conference call can be accessed at www.bmo.com/investorrelations. A replay of the webcast can be accessed on our website until November 24, 2003.
Media Relations Contacts
Investor Relations Contacts
Chief Financial Officer
Corporate Secretary


text:
Social: Twitter
August 25, 2020
February 10, 2022
GirlPrank is the best sexy website with more than 10000 naked models leaked from Onlyfans, Patreon, MYMfans, Private Snapchat etc. You can find many exclusive photos of girls' tits, pussies, asses, nipple slips, and more here. Webcam girls, onlyfans models, Instagram females, pornstars and celebrities! Check daily updates and enjoy for free!
Hotbody Margo Nude OnlyFans Leaks
Modelsuzannaa Nude Leaks
Stephanie Pelicos Nude Leaks
Kayla X Nude OnlyFans Leaks
Sophie O'Neil Nude Leaks
Milena M Nude Leaks
BlueEyedScientist Nude Leaks


text:
Air Nigeria: FG approves leasing of 3 aircrafts
The process for the establishment of a new national carrier, Nigeria Air, got a boost on Wednesday with the Federal Government approving the lease of three aircrafts for initial operations.
According to the approval by the Federal government, the national carrier would begin operations with domestic routes with the aircraft to be procured from Airbus and Boeing.
Minister of Aviation, Senator Hadi Sirika, disclosed this while briefing journalists after the Federal Executive Council (FEC) presided over by President Muhammadu Buhari.
Sirika in a statement signed by his Special Assistant on Public Affairs, James Odaudu ,
announced that the airline would begin with domestic routes, then expands to regional and intercontinental routes. He was not specific with the actual date for the take-off of the airline operations.
On the likely date for the commencement of operations Sirika said "We will announce commencement soon."
DOWNLOAD ROYAL NEWS eCOPY March 28, 2022
Copyright 2022 ROYAL NEWS. All rights reserved. Digital material on this website, may not be published, reproduced, broadcast, rewritten or redistributed in whole or in part without prior express written permission from ROYAL NEWS.
Contact: email@example.com
Download ROYAL NEWS app
Latest news
- Aisha Wakil a.ka. 'Mama Boko Haram, 2 others sentenced to 7yrs jailterm
- Cameroon seeks AIB-N support on aircraft accident investigation
- Professionalism, training motivation, support are catalyst for transformed education system– Stakeholders
- Emir Sulu-Gambari prays for Doyen of Geology, Prof. Oyawoye at 95
- Again, Buhari urges ASUU to call off strike
- Kwara Govt secondary school without classrooms
- NBA lauds Bala Mohammed for signing judiciary autonomy bill into law
- APC Chieftain lauds Faleke's appointment as Secretary of APC Presidential Campaign
- Transform Raw Materials To Finished and Revenue Generating Product – FG
- Afritel trains journalists on good governance, accountability reporting


text:
This not only improves conversions, but also generates TOS on social networks. 5. Offer virtual fittings and allow consumers to share their style Virtual fitting is a great solution that saved many businesses during the pandemic. Besides offering Nigeria Phone Number List shoppers the ability to digitally try on products like sunglasses, hats or lipstick colors, this technique also allows users to create fun and engaging social media content. By encouraging consumers to wow their friends with a new style, brands gain visibility, notoriety, as well as conversions.
Contact us: Personalization, engraving, virtual fitting UGC is a great asset to add to your luxury marketing strategy, especially when paired with other tools, such as virtual fitting, product setup, and engraving. This tactic allows brands to be seen as trustworthy, ambitious, and to enjoy high conversion rates. Hapticmedia has over 15 years of expertise in immersive technologies including customization, 3D visualization and configuration, engraving, augmented reality as well as virtual fitting and is supported and covered by LVMH, Forbes, Les Echos, Le Point and BFMTV.
Anchors In Neuromarketing, Anchoring Is A Point Of Reference.
Consult our client projects here with Gerlain, Kenzo, Baume & Mercier , Baccarat, Edenly or contact us now to discover the real improvements we will bring to you.Today, many of the world's largest companies are using neuromarketing to probe the minds of consumers to understand how they react to external triggers and how their instincts work. Groups such as Microsoft, Pepsi, Daimler and Mercedes Benz have invested in the practice to evaluate their designs, products and advertisements, while luxury brands seek a new way to get their messages across , highlighting the exclusivity, elegance and an inspiring lifestyle through their communication and their products.
What is neuromarketing? Neuromarketing, also known as consumer neuroscience , is a term that, according to the Harvard Business Review , refers to the analysis of physiological and neural signals to better understand customer motivations , preferences, and decisions . In other words, it is about measuring brain activity in different contexts relating to marketing techniques and stimuli, in order to establish a link between the behavior of people and external factors, to identify patterns and. to use them to stimulate decision making.
This Color Now Has Such An Impact On Consumers That It Can Be Identified As Such, Without Any Other Branding Element.
Why neuromarketing? What are the advantages ? As a Yankelovich study conducted in April 2020 shows, the average consumer interacts with more than 5,000 ads per day . This means that the population is more than ever inundated with information, branded content to evaluate and disseminate and must make consumption choices. Against this background, it is difficult to think that choosing one product among dozens of other similar products could be a rational decision. With so many options and so much information presented to them, buyers choose products based on emotional and psychological factors rather than logically .
Marketing generally studies how consumers make these buying decisions, while neuromarketing takes the next step, using brain imaging techniques and technology to understand consumer behavior. 1. Brain analysis is more reliable than responses from interviews or surveys Some may wonder if neuromarketing is really necessary or if the data it offers adds value. The answer is yes. It reveals emotions and reactions that might not be noticeable or communicated by respondents otherwise. Researchers at Emory University have successfully used fMRI to successfully predict the popularity of a song .