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General

discussions

Off

Topic

The

Top

Most

Developed

Countries

In

Africa

iamdrhock

Sep

I

iamdrhock

New

Member

Joined

Mar

Messages

Sep

Up

until

the

world

relied

on

GDP

and

similar

methodologies

to

measure

the

quality

of

life

of

citizens

and

the

development

in

a

country

However

in

Mahbub

ul

Haq

and

Amartya

Sen

developed

a

new

methodology

for

measuring

the

quality

of

life

in

a

country

Unlike

other

metrics

Human

Development

Index

HDI

considers

critical

factors

such

as

the

likelihood

of

South

Africa

South

Africa

is

the

most

developed

country

in

Africa

as

of

The

country

is

located

at

the

southernmost

tip

of

Africa

Its

economy

which

is

said

to

the

second

largest

in

Africa

after

Nigeria

is

supported

by

the

agricultural

sector

industry

sector

and

tertiary

services

sector

the

latter

being

the

main

contributor

The

average

South

African

should

go

through

years

of

schooling

and

is

expected

to

die

at

years

of

age

The

GNP

per

capita

is

South

Africa

can

be

concluded

to

be

Africas

most

developed

country

following

the

economy

amenities

organization

productivity

human

rights

laws

and

the

peacefulness

Seychelles

Seychelles

is

an

archipelago

of

countries

that

lies

km

off

the

coast

of

Eastern

Africa

The

economy

of

Seychelles

largely

depends

on

tourism

agriculture

and

fishing

with

tourism

industry

employing

most

of

the

labor

force

Although

it

is

the

African

country

with

the

highest

GDP

Seychelles

is

plagued

by

income

equality

and

low

wealth

distribution

which

results

in

poverty

of

some

its

citizens

The

average

Seychellois

is

expected

to

live

until

he

is

years

old

and

to

spend

years

in

the

education

system

The

GNP

per

capita

is

US

Definitely

should

be

second

most

developed

country

in

Africa

Mauritius

Mauritius

is

an

island

nation

off

the

southern

coast

of

Africa

The

economy

of

Mauritius

is

boosted

by

its

agricultural

tourism

and

service

sectors

The

economy

of

Mauritius

is

fertile

ground

for

local

and

foreign

investors

The

average

Mauritian

is

expected

to

live

to

see

his

birthday

and

to

spend

years

in

the

education

system

The

average

Mauritian

is

supposed

to

take

home

annually

Egypt

Egypt

is

the

country

that

is

located

on

two

continents

Africa

and

Asia

The

economy

of

Egypt

depends

on

media

agriculture

natural

gas

and

tourismSee

Also

south

african

house

music

Categorized

as

a

medium

developed

country

Egyptians

are

expected

to

live

until

they

are

years

old

and

to

undergone

years

of

schooling

The

average

Egyptian

is

supposed

to

be

earning

annually

Algeria

Algeria

which

is

the

largest

country

in

Africa

is

located

in

the

north

and

happens

to

share

borders

with

Tunisia

Algeria

is

another

country

whose

economy

is

dominated

by

oil

but

it

is

working

towards

diversifying

the

economy

in

order

to

reduce

youth

unemployment

Algerians

are

expected

to

live

until

they

are

years

old

and

to

undergo

years

of

schooling

The

GNP

per

capita

is

US

Tunisia

Tunisia

is

yet

another

North

African

country

on

the

list

of

the

most

developed

countries

in

Africa

The

economy

of

Tunisia

depends

on

the

manufacturing

services

tourism

and

mining

sector

with

the

services

sector

contributing

the

most

to

the

GDP

The

World

Economic

Forum

ranked

Tunisia

as

the

most

competitive

country

in

Africa

in

The

average

Tunisian

is

expected

to

live

until

he

is

years

old

and

to

undergo

years

of

schooling

At

the

end

of

the

year

a

Tunisian

is

supposed

to

be

richer

Gabon

Gabon

is

an

African

nation

located

in

Central

Africa

In

Gabon

oil

is

king

and

is

a

major

contributor

to

the

countrys

GDP

The

economic

forecast

of

Gabon

is

not

a

rosy

one

as

oil

production

is

on

a

decline

and

reserves

are

expected

to

run

out

by

Gabon

is

classified

as

a

medium

developed

country

with

a

Human

Development

Index

value

of

It

is

ranked

out

of

countries

and

territories

The

average

Gabonese

is

expected

to

live

until

he

is

years

old

and

to

spend

years

in

school

A

Gaboneses

annual

income

is

supposed

to

be

Botswana

Botswana

a

landlocked

country

is

located

in

Southern

Africa

It

is

said

to

be

one

of

the

most

sparsely

populated

countries

in

the

world

with

a

population

of

just

over

million

people

The

economy

of

Botswana

relies

on

mining

cattle

and

tourism

Botswana

has

one

of

the

fastest

growth

rates

in

per

capita

in

the

world

and

with

sound

fiscal

policies

economists

predict

even

more

growth

in

the

future

Which

is

right

since

this

country

has

the

largest

diamond

mine

in

the

world

See

Also

South

African

music

download

Cape

Verde

Cape

Verde

is

an

archipelago

of

islands

located

km

off

the

coast

of

West

Africa

Cape

Verdes

backdrop

of

mountains

rugged

seaside

villages

undulating

landscape

and

beautiful

beaches

make

it

attractive

to

tourists

and

by

extension

foreign

investors

who

contribute

to

the

GDP

of

the

country

In

Cape

Verde

had

a

Human

Development

Index

value

of

This

value

ranked

it

at

out

of

countries

and

placed

it

in

the

medium

development

category

Citizens

of

Cape

Verde

are

expected

to

live

until

they

are

years

old

The

average

person

will

go

through

years

of

schooling

and

the

GNP

per

capita

is

Equatorial

Guinea

Equatorial

Guinea

is

located

on

the

Atlantic

Ocean

coast

in

central

Africa

The

wealth

of

this

country

is

from

oil

exports

and

favorable

geographic

position

Thus

it

provides

access

to

the

ocean

and

makes

available

rapid

oil

delivery

to

America

and

Europe

Click

to

expand

SOURCE

Last

edited

Sep

Sinbad

Honorary

Master

Joined

Jun

Messages

Sep

Wow

lowest

per

capita

GDP

lowest

life

expectancy

yet

most

developed

Sad

M

Expert

Member

Joined

Jun

Messages

Sep

And

we

know

who

to

thank

for

that

cANCer

HIVAIDS

criminal

mentality

of

large

swathes

of

the

populace

C

Currantly

WellKnown

Member

Joined

Dec

Messages

Sep

expected

to

die

at

years

of

age

How

old

is

Zuma

again

S

sajunky

Honorary

Master

Joined

Nov

Messages

Sep

Shame

Zuma

hateful

comments

are

coming

and

coming

As

on

the

topic

Nigeria

was

portayed

not

so

long

ago

as

a

possible

new

gateway

to

Africa

replacing

SA

but

now

bankers

are

crying

they

have

to

pay

fines

and

show

Nigeria

in

a

bad

perspective

so

for

now

South

Africa

is

safe

on

the

first

place

LOL

Last

edited

Sep

gregmcc

Honorary

Master

Joined

Jun

Messages

Sep

The

average

South

African

should

go

through

years

of

schooling

and

is

expected

to

die

at

years

of

age

Damn

thats

low

Neoprod

Honorary

Master

Joined

May

Messages

Sep

TINA

WHICH

IS

AN

ACRONYM

FOR

THIS

IS

NEW

AFRICA

IS

AN

ONLINE

MAGAZINE

FOR

AFRICAN

CONTENTS

WORTHY

TO

BE

HERE

THE

PURPOSE

TINA

MAGAZINE

SERVES

PROBABLY

MAKES

IT

THE

FIRST

OF

ITS

KIND

IN

AFRICA

Basically

a

blog

W

WaxLyrical

Honorary

Master

Joined

Oct

Messages

Sep

sajunky

said

Shame

Zuma

hateful

comments

are

coming

and

coming

Zuma

single

handedly

fuked

our

GDP

ToxicBunny

Honorary

Master

Joined

Apr

Messages

Sep

sajunky

said

Shame

Zuma

hateful

comments

are

coming

and

coming

As

on

the

topic

Nigeria

was

portayed

not

so

long

ago

as

a

possible

new

gateway

to

Africa

replacing

SA

but

now

bankers

are

crying

they

have

to

pay

fines

and

show

Nigeria

in

a

bad

perspective

so

for

now

South

Africa

is

safe

on

the

first

place

LOL

As

usual

The

basic

fundamentals

of

reality

seem

to

escape

you

Expert

Member

Joined

Jul

Messages

Sep

According

to

Trump

Africa

is

one

big

shithole

Solarion

Honorary

Master

Joined

Nov

Messages

Sep

said

According

to

Trump

Africa

is

one

big

shithole

Africa

is

just

fine

Paradise

in

fact

Its

the

people

living

on

it

that

complicate

things

People

like

Zuma

Just

when

a

country

is

starting

to

get

somewhere

someone

will

come

along

and

deliberately

drag

it

back

into

the

stone

age

This

happens

over

and

over

and

over

again

Its

like

African

leaders

local

municipalities

and

government

leadership

dont

want

to

see

their

country

prosper

Its

as

if

they

want

to

keep

the

people

impoverished

and

the

economy

shot

to

hell

Anyone

who

can

answer

the

why

they

do

it

write

a

book

about

it

Ill

be

the

first

to

buy

it

Last

edited

Sep

Honorary

Master

Joined

Dec

Messages

Sep

WaxLyrical

said

Zuma

single

handedly

fuked

our

GDP

You

mean

the

anc

R

Radioboy

Senior

Member

Joined

Apr

Messages

Sep

The

source

site

needs

a

better

editor

W

WaxLyrical

Honorary

Master

Joined

Oct

Messages

Sep

said

You

mean

the

anc

I

would

say

more

Zuma

because

thats

where

things

went

pear

shaped

Under

MbekiManuel

not

so

much

Sinbad

Honorary

Master

Joined

Jun

Messages

Sep

WaxLyrical

said

I

would

say

more

Zuma

because

thats

where

things

went

pear

shaped

Under

MbekiManuel

not

so

much

The

anc

put

Zuma

into

power

and

then

defeated

nine

motions

of

no

confidence

in

him

I

would

say

more

anc

than

Zuma

PhireSide

and

Honorary

Master

Joined

Dec

Messages

Sep

WaxLyrical

said

I

would

say

more

Zuma

because

thats

where

things

went

pear

shaped

Under

MbekiManuel

not

so

much

But

they

kept

supporting

the

idiots

and

refusing

to

take

action

genetic

Honorary

Master

Joined

Apr

Messages

Sep

iamdrhock

said

SOURCE

What

a

shyte

site

S

sajunky

Honorary

Master

Joined

Nov

Messages

Sep

Sinbad

said

The

anc

put

Zuma

into

power

and

then

defeated

nine

motions

of

no

confidence

in

him

I

would

say

more

anc

than

Zuma

Yes

but

defeating

nine

motions

of

no

confidence

is

a

sign

of

outside

influence

From

the

guys

who

do

not

truly

understand

mentality

of

people

In

other

words

not

ANC

but

bankers

and

mining

magnats

were

behind

removing

Zuma

ToxicBunny

Honorary

Master

Joined

Apr

Messages

Sep

sajunky

said

Yes

but

defeating

nine

motions

of

no

confidence

is

a

sign

of

outside

influence

From

the

guys

who

do

not

truly

understand

mentality

of

people

In

other

words

not

ANC

but

bankers

and

mining

magnats

were

behind

removing

Zuma

Which

ones

I

need

to

send

them

all

a

case

of

bells

for

eventually

getting

it

right

thestaggy

Honorary

Master

Joined

May

Messages

Sep

Solarion

said

Africa

is

just

fine

Paradise

in

fact

Its

the

people

living

on

it

that

complicate

things

People

like

Zuma

Just

when

a

country

is

starting

to

get

somewhere

someone

will

come

along

and

deliberately

drag

it

back

into

the

stone

age

This

happens

over

and

over

and

over

again

Its

like

African

leaders

local

municipalities

and

government

leadership

dont

want

to

see

their

country

prosper

Its

as

if

they

want

to

keep

the

people

impoverished

and

the

economy

shot

to

hell

Anyone

who

can

answer

the

why

they

do

it

write

a

book

about

it

Ill

be

the

first

to

buy

it

Click

to

expand

Moeletsi

Mbeki

has

written

that

book

Architects

Of

Poverty

In

this

account

Moeletsi

Mbeki

analyses

the

plight

of

Africa

and

concludes

that

the

fault

lies

not

with

the

mass

of

its

people

but

with

its

rulers

the

political

elites

who

contrive

to

keep

their

fellow

citizens

poor

while

enriching

themselves

Keep

the

people

dumb

and

dependent

on

government

handouts

and

you

have

found

the

key

to

eternal

power

An

educated

population

that

can

do

for

themselves

doesnt

need

an

outdated

Sovietera

liberation

movement

to

look

after

them

so

they

make

sure

the

majority

of

the

population

never

reaches

that

point

so

they

can

stay

relevant

They

also

seem

to

create

an

atmosphere

of

perpetual

victimhood

so

they

always

have

something

to

fight

against

They

need

the

people

to

see

that

they

are

fighting

for

them

and

in

SAs

case

we

know

who

that

enemy

is

Last

edited

Sep

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must

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discussions

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O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


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Home Art ThoughtProvoking Sculpture of Split Head Reveals a Hauntingly Surreal Skull Within By Kelly RichmanAbdou on June 4 2017 Working primarily in plaster Japanese artist Taiji Taomote produces surreal sculptures inspired by skeletal motifs Death Visceration one of his most unique works of skull art exhibits both the artists wild imagination and his aweinspiring realist approach Designed in the style of a traditional bust Death Visceration features the beautifully sculpted head of a woman While her gaze is relaxed and her expression is calm the female figures face is shockingly split open revealing a lifelike skull that appears to burst from her skin On top of its eyecatching iconography the sculptures unique dimensionality sets it apart from other contemporary skull art Curiously Taomote has opted to give the figure 2 noses Though anatomically peculiar this fascinating facial structure allows the sculpture to be properly viewed from any angle Whether observed from the left or right the face will appear to be intact When seen from the front or back however its split face and strange seamlike crack are visible Until July 30 2017 this jawdropping piece will be on view at Ohios Akron Art Museum as a part of the dreamlike exhibition Gross Anatomies Death Visceration a surreal sculpture by Taiji Taomote depicts a figure whose head is split to reveal her skull Its easy to miss the surreal split when viewed from the sides But theres definitely no missing it from the front Photo josephdw In addition to this thoughtprovoking sculpture Taomote has created other skull art pieces that are similar in style Photo Sumally Photo Sumally Photo Sumally Taiji Taomote All images via Hieronymus Objects unless otherwise stated Surreal Porcelain Sculptures Stretch and Distort Human Faces Beautiful Skulls Carved and Painted on Mother of Pearl Shells Striking LifeSized Sculptures of Hollow Figures Contemplate Human Existence Love this surreal skullinspired sculpture Like My Modern Met on Facebook Get Our Weekly Newsletter Want to become a My Modern Met Member Find out how by becoming a Patron Check out the exclusive rewards here Love this surreal skullinspired sculpture Lets Connect Receive our Weekly Newsletter Were also on Pinterest Tumblr Flipboard and Feedly Want to advertise with us Visit My Modern Met Media Get Our Weekly Newsletter

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When Is The Best Time To Swim Swimming at any time of the day is better than not swimming at all If youre wondering when the best time to swim is then youre not alone There are quite a number of different studies that suggest that training in the late afternoon or early evening is the best time for most people The reason for this has to do with muscle temperature which reaches its peak around this time Warmer muscles increase the metabolic processes and energy metabolism of the muscles This rise in muscle temperature can be explained by your biological clock This internal mechanism determines your daynight rhythm and has a big influence on bodily functions that fluctuate over the day like body temperature heart rate and metabolism Related 10 Tips To Becoming A Morning Swimmer You can achieve a similar effect by warming up properly before starting a swim workout Unfortunately its not quite that simple to determine the best time of day to train Stress work eating habits and sleep influence your biorhythm as does your mental state As a result it really depends on your life circumstances and your personal preferences that will determine what time of day is best for you Swimming In The Morning Pros Swimming in the morning leaves you energized for the rest of the day Some pools are practically empty this time of day so you wont have to wait to deal with crowded lanes In summer it is much easier to train in the morning due to the earlier sunrise time Studies have shown that your testosterone level is at its highest in the morning This can be really helpful especially for doing highintensity workouts Cons After waking up your joints and muscles are still tight and stiff An extensive warmup is necessary to get your body ready to exercise Generally people tend to lack energy in the morning Itll take a little while to get your metabolism and cardiovascular system revved up If you want to swim before work you should go to bed earlier the night before to ensure that you get enough sleep If youre not a morning person youre going to find it pretty difficult to work out in the morning Related Which is More Important Sleeping or Swimming Swim At Lunchtime Lunch swims or other short workouts at lunchtime are quite popular Pros You can use your lunch break at work to swim If you had a stressful morning a lunch workout can give you renewed energy for the rest of the work day Cons The big problem for many people is the time factor If your lunch break is short then you wont have time to squeeze in a swim If youre not near a pool this can be difficult Related How To Squeeze A Swim Workout Into Your Lunch Break With This Minute By Minute Plan Swimming In The Evening In the late afternoon or early evening your body is running at full speed Pros Your muscle temperature reaches its peak thus enhancing your performance You can swim harder because you have enough time afterwards to recover Its a great way to relieve work stress so you can enjoy a relaxing evening Cons People often lack motivation after a strenuous day at work Intense workouts shortly before bed can make it hard to fall asleep Your autonomic nervous system needs time to return to normal Thats why you should finish your workout at least one or two hours before going to bed The best way to find out what time of day is best for you is to try out different training times and then decide which one is perfect for your schedule When do you prefer to swim Wed love to hear about your experiences in the comment section below Archived in Technique Training Uncategorized Bookmark the Share this article

O O O O O O O B O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Published on Nov 16 2017 by Kate Wisialowski Share this article Share Add Its hard to get trustworthy advice when it comes to your drinking water so we made Tips for Taps to help answer your questions Order a Tap Score Water Test and receive personalized support from professional engineers and scientists by phone email and chat My Water Smells Like Rotten Eggs There may be sulfur in your water heres what to do Have you ever turned on your faucet and been hit with the smell of rotten eggs The culprit is sulfur While its definitely a nuisance this unpleasant smell is not usually indicative of any health risks at the concentrations found at your tap Types of Sulfur Found in Drinking Water There are two forms of sulfur that are generally found in tap water sulfate and hydrogen sulfide Sulfate A combination of sulfur and oxygen sulfates are a part of naturally occurring minerals in some soil and rock formations that contain groundwater Over time the minerals dissolve and sulfates are released into the water Sulfates can be found in manmade hazards such as landfills pipelines old septic systems or industrial chemical factories Hydrogen Sulfide While hydrogen sulfide gas is formed as organic matter decomposes underground the primary producers of hydrogen sulfide are sulfurreducing bacteria These bacteria which use sulfur as an energy source chemically change the natural sulfates in water in hydrogen sulfide Sulfur reducing bacteria thrives in oxygendeficient environments like landfills and deep wells and can form in your water technologies softeners water heaters etc Indications of Sulfur in Your Water Sulfate Taste Because sulfate minerals can cause scale to build up in your pipes they may cause your water to taste bitter Smell Unlike hydrogen sulfide sulfate does not produce an odor Stains Increased sulfate levels in combination with chlorine bleach can also make it challenging to clean your clothes Sulfuroxidizing bacteria can cause a blackening of water or a dark slime coating the inside of your toilet tank similar to the staining effects of iron bacteria If you want to learn more about removing water qualityrelated stains take a look at our Stain Guide Hydrogen Sulfide Taste Elevated concentrations of hydrogen sulfide can alter the taste and appearance of cooked foods and beverages made with water tea coffee etc Smell Hydrogen sulfide gas is the unpleasant rotten egg odor and taste in your water An odor is detectable by most people at a concentration as low as 05 ppm A concentration of 12 ppm is when water begins to acquire a rotten egg odor It may only be noticeable when the faucet is initially turned on or when hot water is run This is because the heat volatilizes hydrogen sulfide So the rotten egg smell may be particularly bad when you shower Stains Because it can corrode metals like iron copper and brass hydrogen sulfide can tarnish and discolor metal kitchenwares It may also cause yellow or black stains on your water fixtures Potential Health Effects of SulfurWater Sulfate The main concern with sulfate in your drinking water is dehydration because sulfate can have a laxative effect However with time those exposed to sulfate become acclimated and symptoms disappear Hydrogen Sulfide While usually not a health risk at concentrations typically found in household water hydrogen sulfide is both flammable and poisonous At very high concentrations of hydrogen sulfide have been known to cause nausea illness and in extreme cases death Sulfur Levels In Your Water Sulfate The Environmental Protection Agency EPA has created two categories for drinking water standards The first the Primary Standards are based on health considerations and are designed to protect people from toxic pollutants The other category Secondary Standards are based on taste color odor corrosivity foaming and staining properties of water Sulfate falls under this second category The secondary maximum contaminant level SMCL for sulfate is 250 ppmalthough only 3 of water supplies had sulfate levels in excess of this level Hydrogen Sulfide Hydrogen sulfide is not regulated under the Primary or Secondary Standards A concentration high enough to be a drinking water health hazard also makes it unpalatable so it would not likely make it to your tap Generally hydrogen sulfide levels are less than 10 ppm but have been reported as high as 75 ppm How to Treat SulfurWater Sulfate While several methods are available for removing sulfate from your drinking water the best choice depends on several factors including The concentration of sulfate in the water The amount of iron and manganese in the water If there is bacterial contamination How much water you need to treat For treating small quantities of water the most common methods are distillation or reverse osmosis For large quantities the typical method is ion exchange Hydrogen Sulfide In order to remove low levels of hydrogen sulfide that DO NOT include bacterial problems the best solution is an activated carbon filter Replace the filter periodically to maintain functionality For concentrations up to 5 to 7 ppm hydrogen sulfide can be removed using an oxidizing filter If your water has concentrations exceeding 7 ppm hydrogen sulfide can be removed by injecting an oxidizing chemical ie household bleach or potassium permanganate followed by filtration Are You Concerned About Your Drinking Water If you tap water tastes looks or smell funny our TapScore home water testing package can give you some answers Our national team of certified laboratory scientists engineers and health experts provide each customer with a personalized Tap Score Water Quality Report For more information message us Article Sources

O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O B O O O O O O O O O O O O O O O O O O O O O B I O O O B O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O B O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


National Association of City Transportation Officials Urban Bikeway Design Guide Guide Navigation Purchase Guide Median Refuge Island Median Refuge Island Bellevue WA Photo wwwpedbikeimagesorg Dan Burden Description Median refuge islands are protected spaces placed in the center of the street to facilitate bicycle and pedestrian crossings Crossings of twoway streets are facilitated by allowing bicyclists and pedestrians to navigate only one direction of traffic at a time Medians configured to protect cycle tracks can both facilitate crossings and also function as twostage turn queue boxes See TwoStage Turn Queue Boxes for guidance details For bicycle facility crossings of higher volume or multilane streets increased levels of treatment may be desired including bicycle signals hybrid beacons or active warning beacons Click on the images below to view 3D concepts of conventional bike lanes The configurations shown are based on San Luis Obispo CA Portland OR and New York NY examples Treatment details can be accessed below under design guidance Median Refuge Island Benefits By simplifying crossings allows bicyclists to more comfortably cross streets Provides a protected space for bicyclists to wait for an acceptable gap in traffic On twoway streets allows bicyclists to take advantage of gaps in one direction of traffic at a time Reduces the overall crossing length and exposure to vehicle traffic for a bicyclist or pedestrian Decreases the amount of delay that a bicyclist will experience to cross a street Calms traffic on a street by physically narrowing the roadway and potentially restricts motor vehicle left turn movements Establishes and reinforces bicycle priority on bicycle boulevards by restricting vehicle through movements When used with a protected cycle track raised medians can be installed at each side of the block to give structure to the floating parking lane When used to protect a cycle track raised medians can provide crossing pedestrians with a refuge area andor provide shelter for a bicyclist making a twostage turn across traffic Typical Applications Where a bikeway crosses a moderate to high volume or high speed street Along streets with high bicycle and pedestrian volumes Along streets with few acceptable gaps to cross both directions of traffic At signalized or unsignalized intersections Where it is desirable to restrict vehicle through movements a median can double as a diverter to prevent cutthrough traffic on a bicycle route With protected cycle tracks Design Guidance Required Recommended Optional Required Features The desirable width of the median refuge is 10 feet or greater The absolute minimum width is 6 feet When applied on a twoway street the median refuge shall be placed along the centerline of the roadway between the opposing directions of travel Pavement markings on the approach to the refuge island shall follow the guidance provided in Section 3I02 of the MUTCD The approach edge of the raised median shall be outlined in retroreflective white or yellow material In areas with snow accumulation reflective delineators shall be used to mark the island for increased visibility to snow plow crews Maintenance Refuge islands may collect road debris and may require somewhat frequent maintenance Refuge islands should be visible to snow plow crews and should be kept free of snow berms that block access Treatment Adoption and Professional Consensus Commonly used in dozens of European bicycle friendly cities Currently used in the following US cities Austin TX Los Angeles CA Minneapolis MN Portland OR San Francisco CA Adapted from the Urban Bikeway Design Guide published by Island Press References for Median Refuge Island 9 found AASHTO Task Force on Geometric Design AASHTO Guide for the Development of Bicycle Facilities American Association of State Highway and Transportation Officials Washington DC Urban Systems City of Langley Master Transportation Plan Appendix C Bicycle and Pedestrian Facility Design Guidelines Public Works Department City of Langley Langley BC District Department of Transportation Bicycle Facility Design Guide District Department of Transportation The District of Columbia Washington DC Furst Anthony T Interim Approval for Optional Use of Rectangular Rapid Flashing Beacons Federal Highway Administration US Department of Transportation Washington DC Transport for London London Cycling Design Standards Cycling Delivery Program Section Transport for London London Los Angeles Department of City Planning 2010 Bicycle Plan Technical Design Handbook Department of City Planning City of Los Angeles Los Angeles CA Nottinghamshire County Council Cycling Design Guide Nottinghamshire County Council West Bridgford Portland Bureau of Transportation Portland Bicycle Plan for 2030 Appendix D Bikeway Facility Design Survey of Best Practices Bureau of Transportation City of Portland Portland OR Williams John Tom Walsh David Harkey Glenn Grigg Todd Litman Wisconsin Bicycle Facility Design Handbook Division of Transportation Investment Management Wisconsin Department of Transportation Madison WI

B I I I I I O O O O O O O O B I I B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O

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Home Baby Girl Names Clea this week Gender Pronunciation CLAYuh Origin of Clea Literary name Name Info Similar Names Popularity Comments The name Clea is a girls name Clea and is often added to lists like Cool Girls NamesRare Unique and Unusual and discussed in our forums with posts like Teenberries From the experts An attractive and unusual name that may be a variation of Cleo Clea was possibly invented by Lawrence Durrell for a character in his Alexandria Quartet Actress Clea DuVall is one noted bearer of the name another is Paul Newman and Joanne Woodwards youngest daughter who was named Claire Olivia but always called Clea Find other names based on Clea using our baby name generator n

O B I I B O O O O O O O B O O O O O O O O O O B O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O B O O O O O O


Evening Dinner Floats Meeting Location Moose Snake River Stretch Triangle X Cookout Site Moose Trip Length 4 hours roundtrip Our signature Grand Teton evening dinner scenic float trips are operated by Triangle X Float Trips Our oneofakind evening dinner trips begin with a hearty meal on the Snake River at Triangle Xs private cookout site Following your meal relish the Teton surroundings with a twelvemile evening scenic float from Triangle X to Moose This ends up being our last float on the water for the day and provides great wildlife viewing opportunities Old West inspired cuisine unmatched mountain scenery and countless chances for viewing wildlife welcome to Jackson Hole Wyoming Our 12mile evening dinner floats meet in the float trip park and meeting area at Moose junction see Meeting Spots Link this to the map Our vans will arrive promptly at the scheduled start time below to begin checkin From Moose we shuttle you twelve miles up the river to Triangle X Ranchs private cookout site After a delicious western style cookout dinner enjoy floating twelve miles of the Snake River from Triangle X Ranch to Moose 2 25 hours Whats for dinner The menu on our dinner float varies from day to day but the fare is always hearty and delicious Entree There will be one entree available and varies between the following steak grilled chicken ribs or kabobs Side items include potatoes or rice baked beans a vegetable of the day tossed salad dinner rolls and a dessert Drinks include Water punch and tea Vegetarian Options Veggie Burgers will be available only if you request them in advance when you make your reservation Thank you 12Mile Evening Dinner Float Schedule June 17th August 25th 500 PM Dinner floats in August may not be offered due to low water at our private river launch We will open dinner floats in August for reservations when we are confident there will be enough water to launch our boats Dinner Float Rates Adults Children 18 and under Regular Rates 95 78 Discounted Rates AAA AARP Groups 88 71 Private Boat 110 persons 1020 For larger groups a hearty western lunch or breakfast cookout is available Youth Rates for children 18 and under

B I I O O B O O O O O O O B O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


FAQs This page helps you to find answers to the most frequently asked questions Mobile Phone Insurance Who are Lifestyle Services Group Limited How can I retrieve my phones IMEI number What does the FlexPlus mobile phone insurance cover me for How do I register my mobile phone details What do I need to do when registering a loss or theft claim for my mobile phone What do I need to do when registering an accidental damage claim for my mobile phone My device is an Apple iPhone if my claim is accepted what do I need to do when sending you my dam Claiming for a damagedfaulty Apple iPhone what happens after my claim has been made What happens after my losstheft claim has been made When can I expect it to be resolved Why do I need to pay an excess How do I make a claim for unauthorised network charges or accessories What is a proof of ownership What can I do if my claim is rejected How can I deactivate Apple Pay Claiming for a damagedfaulty device which isnt an Apple iPhone what happens after my claim has b My device isnt an iPhone if my claim is accepted what do I need to do when returning my device to the repair centre

B O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


In This Section Federal Investigations Notices Investigations Billing Rates Resources Billing Rates Future Billing Rates Historic Billing Rates Submitting Financial Information TAS Invoicing and NP2 Access Fingerprint Submissions Frequently Asked Questions Requesting NBIB Personnel Investigations Agency Training RSIs Reopens Reference Materials eQIP for Agency Users Tools and Resources NP2 Secure Portal Position Designation Tool Suitability Adjudications Suitability Executive Agent Invoicing and NP2 Access Overview The rate charged to the agency is based on the original receipt date of the case to NBIB however the bill is not created until the case is scheduled NBIB generates invoices on a monthly basis for all new cases initially scheduled during the previous month and any billing adjustments to a previously billed case with the exception of RSIs which are billed at closing Monthly invoices also include a transaction line indicating each case that closed during the previous month and are signified by a CL bill code and a 0 transaction amount Unless there are special circumstances additional billing transactions for these closed cases would not be expected Monthly invoices are created and issued to the Agency Location Code ALC listed on the submitted case papers or the eQIP agency submission file They are further subsummarized at the SON level and finally at the SOI level listed on the submitted case papers or the eQIP agency submission file The invoices contain detailed billing transaction data at the individual billing code level The sections below will help to further explain how to review an NBIB invoice as well as the billing codes that are listed for each transaction NBIB customer agencies have the ability to receive their monthly invoices electronically via OPMs NP2 Portal System Current and prior Fiscal Year invoice files are available in an electronic PDF or flat file format Instructions for registration using the NBIB Invoice Tool and a template on how to convert the electronic flat file to an Excel document are located below Customers can obtain access to the NBIB Invoice Tool by requesting access via the registration process explained below Multiple users are permitted for each customer agency and all registered users will receive a monthly email notification when new invoices have been transmitted to the NBIB Invoice Tool Invoice Retrieval and Review Electronic Invoice Retrieval Reviewing NBIB Invoices How to Receive Invoices Electronically NBIB Invoice Tool Registration Process We encourage all agencies to register for online access to download invoice backup detail electronically In order for customer agencies to access this information electronically users must be registered in NP2 To initiate the registration process please contact a member of the NBIB Billing Oversight Team NBIB Billing Oversight Email BillingOversightTeam nbib gov Phone 724 7945612 ext 4490 NBIB Invoice Tool Registered agency users have the ability to view and download the NBIB billing invoice files NP2 login httpsapolloopmgov The Billing Oversight Team has created a guide which provides useful information on how to navigate the NBIB Invoice Tool including how to viewdownload invoices and password help If you are a registered NBIB Invoice Tool user in NP2 and have not received this user guide please contact a member of the OPMNBIB Billing Oversight Team For customers who prefer to reconcile their invoices using Excel we have provided the template below which will convert the text format of the invoice to an Excel spreadsheet Instructions for Invoice Conversion Tool PDF file 6859 KB NonDOD Invoice Conversion Tool Excel file 23585 KB Tips for Reviewing NBIB Invoices The investigative and billing information on the customer invoice is derived from the Agency Use Block AUB in eQIP The Reviewing NBIB Invoices document PDF file 33621 KB contains useful information on translating the data entered in eQIP to the NBIB invoice It also includes detailed information on reviewing your NBIB invoice and what data is contained in the specific invoice fields The Bill Code field on your invoice is a twocharacter alphanumeric code used to identify billing transactions The Active Billing Codes document PDF file 17409 KB we have created contains a complete listing of all bill even transaction codes and a description of their intended use

O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O B O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O B O O O O B O O O O O O B O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O B O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Workers Compensation Claims Administration Questions Get in touch with us about our services our specialties and the opportunities to work together Contact Us NCAComp specializes in the administration of workers compensation claims We have been diligent in this work since 1991 and have developed into a boutique provider of services for a wide range of unique clients These services include SelfInsurance Consultation Selfinsurance is a choice that has longterm implications We are able to consult and advise on all aspect of your workers compensation selfinsurance program and to coordinate with the regulators on your behalf Workers Compensation Claims Audit The expertise of the NCA claims staff is available to outside clients for the purposes of a claims audit This allows you to get an impartial second opinion on the management of your workers compensation claims Reimbursement and Recovery Services Our team works to ensure you receive all possible recovery from all available sources Our recovery specialist tracks every penny until your program has been fully reimbursed Transparency is important We are able to provide reporting on all recovery activity Section 32 Evaluation and Negotiation The best claim is a closed claim Our claim adjusters have been trained in aggressive closure strategies and our proprietary claims system provides assistance in settlement tracking and reporting so that opportunities are not missed Excess Insurance Reporting The NCA claims system tracks all excess policies for our clients and automatically reports claims properly when a reporting trigger has been met This ensures that none of our clients claims are denied for late reporting MMSEA Section 111 Administration We provide regulatory reporting to the Center for MedicareMedicaid Services CMS utilizing our inhouse software to report directly to the federal government This allows us to provide crucial service in a timely manner for no additional cost to our clients Annual Stewardship Reviews Our clients need transparency and clear concise information to be able to make decisions about their program In addition to regular meetings and reporting we offer clients an annual review of their program costs and detail on how their program stacks up against our client benchmarks Cost Savings Tracking NCAComp works to consistently provide cost savings to our clients We track this work as part of our employee incentive program When you save money our employees earn a financial bonus for their success Claim ReviewsRound Tables Inperson and Telephonic Claim reviews allow us to work with our clients to ensure we are all on the same page for claim strategy and to confirm that we have all the information we need on an employee Claim reviews include a formal claim report as well as the ability to view and make changes to the claim during a review due to remote access by your claims management team Client Educational Services We work best when our clients are educated about their program We provide regular training on industry news and changes and can detail how it will affect your claims Our account manager is also able to provide staff training on how to work with NCA and workers compensation best practices Safety and Loss Control Consultation NCAComp provides our clients with loss data so that they are able to make educated decisions for their safety and loss control program If you need onsite help we are able to refer you to a panel of trusted safety partners

O B B I O O O O O O O O O O O O O O O O O O O B O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O

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How to Stay in Line with the Law When Sending Marketing Emails Blog Email Marketing How to Stay in Line with the Law When Sending Marketing Emails Editors Note For any questions regarding the law please contact an attorney Email marketing is a good tactic for getting in touch with customers sharing special deals with them and notifying them of new products However legal issues can arise when you send out marketing emails particularly in the areas of privacy and antispam law We will look at what the laws are and how to comply with them and we will go over some practical tips for staying in line with the laws Well also look at some of the results of this compliance such as customer confidence and goodwill and protection from fines and penalties Marketing Tactics and the Value of Email Marketing Email marketing is one of the most effective marketing tactics online with email and search being the top two internet activities This means that by marketing via email you are tapping into one of the largest potential target markets online Email marketing is measurable all opens clickthroughs and conversion rates can be tracked and analyzed This can help you finetune your messages and focus on targeting the highest ROI targets and groups With such high reach and flexibility email marketing has significant advantages over other marketing tactics online When sending marketing emails however there are a number of best practice techniques that you need to comply with to ensure that you dont irritate your customers or run afoul of regulators For one thing you must comply with the relevant laws so lets take a look at them The Two Legal Issues You Need to Know About The two main legal issues involved in sending marketing emails are privacy laws and antispam laws Lets look at privacy first Privacy Laws To send out a marketing email you need to collect your customers information first Whether this is online instore or otherwise you need to comply with privacy legislation when you collect this information Most countries around the world have some kind of privacy legislation in place that sets out how you should collect personal information store it and protect it Collecting information to send a marketing email is covered by these laws The Laws in the United Kingdom and Europe The laws in the UK and Europe are set out in the Data Protection Directive and the UK Data Protection Act 1998 The Data Protection Directive establishes that data should not be collected without transparency legitimate purpose and proportionality In practice transparency and legitimate purpose mean that you should not collect data without customer consent and that you should collect or process the data only for specified explicit and legitimate purposes For example you must specify that you are collecting an email address to send out a marketing message Proportionality means that you should collect only data that is relevant and adequate for the purpose In other words you shouldnt collect your customers phone number if you are going to contact them only by email The Data Protection Directive also requires that you keep collected data secure that you allow your customers access to the data you have collected on them and that you inform them of who is collecting their data ie your contact information and details The Data Protection Act 1998 enshrines these principles in UK law The Laws in the United States The laws in the US are a little different There is no overarching privacy law for the whole US The California privacy law is very similar to the European and UK laws and if you have any US customers online at all it is likely that some of them will be from California so you should be sure to comply California law requires that you disclose The kinds of information gathered How the information may be shared with other parties The process the customer can follow to review and make changes to the information you have on them The policys effective date and a description of any changes since then These laws mean that before you send out marketing emails you need to collect customer data legally and in line with the privacy principles To comply with the above laws youll need to create a Privacy Policy This is a legal document that covers how customer data is collected used managed and disclosed The Privacy Policy also sets out how customer privacy and personal information will be protected Your Privacy Policy should cover What information you are collecting Why you are collecting it What you will use the information for How you will keep the information secure When you might release the information and to whom How your customers can amend or correct the information you hold on them The dispute resolution procedures that are in place if there is a disagreement You also need to ensure that your Privacy Policy is displayed in such a way that your customers will be legally bound by it You probably have seen the Privacy Policy on many websites displayed like this This is called a browsewrap method Legally this is not a strong method of getting your users to agree to your Privacy Policy Instead you should use a clickwrap method where the user has to actually click to agree Heres an example from Timberland Now that you have the privacy matters under control lets take a look at antispam legislation AntiSpam Laws The US FTC has an excellent guide to help you comply with antispam laws when sending email marketing messages The antispam law in the US is known as CANSPAM The main requirements of the law are Dont use false or misleading header information Dont use deceptive subject lines Identify the message as an ad Tell recipients where youre located Tell recipients how to opt out of receiving future email from you Honor optout requests promptly Monitor what others are doing on your behalf The antispam law in the UK is called the Privacy and Electronic Communications EC Directive Regulations 2003 It requires that your email marketing messages also known as direct marketing be accurate descriptions of the product or service legal honest and truthful and socially responsible they should not encourage illegal unsafe or antisocial behavior The UK law also requires that you must never hide your identity when you send your marketing emails and if you are marketing on behalf of someone else you must not hide their identity either For most antispam law around the world to market to someone who isnt already a customer you must offer them a chance to opt in explicitly You can do this by including a tick box on your website where they can tick I want to receive newsletters and sales information Heres an example of what this tick box would look like from Fresh Look Web Design UK antispam law also includes something called a soft optin This means that in some circumstances you can treat a customer as if they have consented to receiving marketing emails from you even though they havent actually consented However there are rules that you need to follow to be covered by the soft optin exception You need to have obtained the email address in the course of the sale or negotiations for the sale of a product or service This means that the person has to already be a customer You can direct market to these people only with respect to similar products and services So if your customer signed up to receive information on Grand Canyon tours you cant send them advertisements for beer However if your customer is expecting to receive newsletters about aquarium supplies they would reasonably expect you to send them newsletters on new breeds of fish available as this is a similar product The person you are sending your email marketing to must have been given an opportunity to refuse to allow the use of their contact details at the time they were initially provided In all marketing emails for both the UK and the US as well as other countries you must include an unsubscribe link for your customers Heres what the unsubscribe link should look like in your email By making simple changes to your marketing email templates such as including an unsubscribe link and ensuring that your message content is truthful and not misleading you can easily stay compliant with antispam laws The Results If you comply with privacy and antispam laws and implement their requirements in your email marketing you will produce big results You will build customer trust and confidence and show that you put customer wants and needs first Also if you protect customer privacy and allow customers to opt out of marketing emails you will build goodwill You will also ensure that your marketing will go to customers who are receptive and open to your messages You wont waste time sending emails or messages to customers who dont want to receive them Finally complying with these laws will protect you financially The Data Protection Act 1998 in the UK can carry fines of up to 500000 for serious breaches and other privacy laws around the world include similar penalties Antispam law is no different While the UKs antispam legislation allows fines of up to only 5000 other pieces of legislation are much heftier Those in breach of Canadas antispam legislation have attracted fines of over 1 million Canadian Stay Lawful and Dont Sweat Its easy to comply with the law You need to do only a few small things such as setting up a Privacy Policy and ensuring your emails are compliant with the antispam legislation in your country and the countries your customers are from Doing these things provides you with great legal protection and builds confidence and goodwill with your customers Marketing smarter and in line with the law will stand you in good stead for building a trusted and valued business About the Author Leah Hamilton is a qualified Solicitor and writer working at TermsFeed where businesses can create legal agreements in minutes using the Generator Share

O O O O O O O O O O B I O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


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