Found 3729 related files. Current in page 1
Northjersey.com A recent meeting with a client reminded me that while the vocabulary of our industry may be second nature to those of us in the industry, it may feel like a foreign language, creating the first barrier to understanding, for those of you trying to navigate the health insurance arena. Therefore, today we will offer a user-friendly listing of the terms you may encounter. PREMIUM – The money you pay to have an insurance product. Similar to when you check out at the grocery store and pay for your sacks of groceries, premium is what you pay for the product you purchased. DEDUCTIBLE – Deductible is the amount of money you will pay out of your pocket before the health insurance plan starts to pay. Deductibles can vary by carrier, and plan. The Medicare Part A (Hospital coverage) deductible in 2014 is $1,216 per benefit period. The Medicare Part B (Medical IE: Doctor appointments etc) deductible in 2014 is $147 per year.
While it might not quite be time to pop the bubbly, there's reason to believe that hiring in several key industries will be on the upswing in the first few months of the new year. The latest Manpower Employment Outlook Survey indicates growing optimism among U.S. employers. Of more than 18,000 surveyed, 17 percent anticipated raising staff levels in their first-quarter hiring — the best outlook in six years.
Corliss Group Online Financial Mag Hong Kong 5 Can’t Miss Investing Stories Last Week Let the good times roll! The S&P/TSX Composite Index (TSX:^OSPTX) continued its month-long winning streak last week with the equity gauge nearing a three-year high. However, there were a number of important corporate reports for investors to shift through as well. Here are the top five can’t-miss headlines from the past week. 1. BlackBerry signals shift to enterprise Shares of BlackBerry (TSX:BB)(NYSE:BBRY) rallied this week, up almost 8%, after a series of interesting product announcements. New Chief Executive John Chen unveiled several new initiatives at the Mobile World Congress in Barcelona including a new Q20 model that brings back its “classic” keyboard and a cheaper Z3 BlackBerry that will cost under US$200. The company is also releasing BBM for enterprise users and revamping its BlackBerry Enterprise Server. These new initiatives suggest that Mr. Chen’s focus is squarely on the corporate
FORTUNE -- At this year's 33rd edition of Spain's ARCOmadrid contemporary art fair, it was pretty easy to tell where you stood in the art world hierarchy. If you visited over the weekend, you were one of a diminished group of 100,000 or so civilians who forked out between 20 and 40 euros ($27.50 and $55) to bask in art that ran from canonized names like photorealist painter Richard Estes to up-and-comers like Mexican installation artist Héctor Zamora. But if you attended on Wednesday or Thursday, you were likely one of the 400 or so rich folks and art institution bigwigs who'd been invited to Spain, your trip paid in full, in the hopes that you might drop some serious dough on art. All major art fairs have VIP programs designed to attract big spenders. But ARCO's dedication of 20% of its 4.5 million euro budget to inviting buyers and promoting the fair overseas shows how Spain's economic crisis -- now more than five years old -- has forced the fair to turn its attention from national m
Managed currencies attract money to frontier markets Frontier markets with managed exchange rates from Dubai to Vietnam are luring equity investors fleeing the currency turmoil in larger developing economies. Funds that buy shares in the less-developed nations posted inflows of $407 million in the first six weeks of 2014, while $21 billion was pulled from emerging markets, EPFR Global data show. A gain of about 3 percent in the MSCI Frontier Market Index this year pushed stocks to a 2008 high Feb. 19, even as slower China growth and the Federal Reserve’s plan to trim bond buying weighed on developing and developed-nation gauges.
This timeline has been created to give a general overview of crop production, worker activities, and key pests in greenhouse/hothouse hydroponic tomatoes (GH) in the U.S. This document is intended to describe the activities and their relationship to pesticide applications that take place in the greenhouses throughout the year. This information will be used in worker risk assessments, where risks of concern are identified, and in the assessment of pesticide benefits. The timing of events described may vary due to such factors as the location and target market periods. Pesticide use recommendations are current as of the last update. Crop timelines were developed to demonstrate the relationship between the greenhouse crop events (preparation through cleanout). These crop events directly relate to worker activity in the greenhouses. The timelines are reflective of the 52 calendar weeks and months for convenience. Crop Timeline 1.0, is broken into three sections indicative of the large grower; winter, summer, and year round growing cycles. Crop Timeline 2.0 is broken into the two cycles used by small growers, i.e., winter cycle growers and summer cycle growers. Most small GH growers are summer cycle growers 21/. Crop Timeline 3.0 was developed to indicate a typical summer cycle GH and the relationship of pests and pesticide pre-harvest intervals (PHI) acceptable to the greenhouses. Greenhouse/hothouse hydroponic tomatoes are used for the fresh tomato market only. While these tomatoes command a premium price in the market place, they are never used in processing. GH tomatoes would be considered trash in processed markets due to water content. Additionally, no bioengineered varieties are grown; most greenhouse varieties are produced by Dutch or Israeli seed companies. General Tomatoes are the major vegetable crop grown in greenhouses. The large scale U.S. commercial growers, (greenhouses/hothouses greater than 1 acre), all have automatic climate control and all use hydroponic growing systems. The sophisticated growing systems, coupled with indeterminate varieties, and a controlled environment, enable a longer production season than would be possible in field agriculture. This results in the greenhouse growers being able to...
Like much of agriculture, Alabama’s aquacultural production sector has been under stress for several years. Alabama producers and intermediaries in the system face competition from others in the ﬁsh and seafood industry, both domestically and internationally, as well as from producers and handlers of other protein sources. Prices for farm level products have generally been depressed and input costs have been on the rise. Thus, proﬁt margins have become thin to nonexistent. Resource owners are interested in identifying and evaluating viable alternative uses for their productive assets. To cope in this environment and be proﬁtable, Alabama aquacultural producers must organize and operate to maximize efﬁciency and be innovative in decisions and actions. Existing ﬁsh production technologies and approaches, primarily pond culture, may not compete effectively. Increasing yield per unit of water, lowering cost per unit of product, and/or enhancing market access could improve the plight of producers. This study aims to identify and assess the technical and economic feasibility of an alternative production system that integrates hydroponic tomato production with production of channel catﬁsh or tilapia using recirculating water through a closed, controlled environment using separate greenhouses to produce tomatoes and ﬁsh throughout the year.
Overview of Hydroponics Consumption of tomatoes in the United States has reached 4.3 billion pounds each year. When consumers are willing to pay double or triple standard prices for a great tasting, blemish free product, buyers and sellers alike can smile at the possibilities. Repeated pricing studies have shown that only high-quality, garden vegetables, such as tomatoes, cucumbers, salad crops and culinary herbs, can provide break even or better revenues in hydro systems. Hydroponics is a technology for growing plants in nutrient solutions (water and fertilizers) with or without the use of artificial medium (e.g., sand, gravel, vermiculite, rockwool, peat, coir, sawdust) to provide mechanical support. Liquid hydroponic systems have no other supporting medium for the plant roots: aggregate systems have a solid medium of support. Hydroponic systems are further categorized as open, where after the nutrient solution has been delivered to the plant roots, it is not reused; or closed where surplus solution is recovered, replenished, and recycled. The definition of hydroponics has been confined to liquid systems only, which blurs statistical data and leads to underestimation of the extent of the technology and its economic implications. All hydroponic systems in temperate regions of the world are enclosed in greenhouse-type structures to provide temperature control, reduce evaporative water loss, and to reduce disease and pest infestations. The principal advantages of hydroponic controlled environment agriculture (CEA) include high-density maximum crop yield, crop production where no suitable soil exists, a virtual indifference to ambient temperature and seasonality, more efficient use of water and fertilizers, minimal use of land area, and suitability for mechanization, disease and pest control. The major advantage of hydroponic (CEA) compared to field grown produce is the isolation of the crop from the soil, which often has problems of diseases, pests, salinity, poor structure and/or drainage. The principal disadvantages of hydroponics, relative to conventional open-field agriculture, are the high costs of capital and energy inputs, and the high degree of management skills required for successful production. Capital costs may be especially excessive if the structures are artificially heated and cooled. This is why appropriate crops are...
Reading and understanding centrifugal pump curves is key to proper pump selection, and to their reliable and efficient operation. This Tech Brief examines how pump curves can provide data about a pump’s ability to produce flow against certain head, shows how to read a typical centrifugal pump curve, and provides information about pump efficiency and brake horsepower. Pumps are the workhorses of any drinking water distribution or wastewater collection system. They operate 24 hours a day, 365 days a year getting water to homes and business, and removing wastewater from them. A correctly sized pump will work efficiently for many years, saving a system money and energy. An incorrectly sized pump can fail if it’s too small or result in unnecessary expense if it’s too big. Pump curves provide a way to see the correct size a pump should be for specific conditions. Pump Terminology Before discussing specific details, it helps to understand typical terms associated with pump curves: Impeller—the moving element in a pump that drives the liquid. Volute—the spiral-shaped casing surrounding a pump impeller that collects the liquid discharged by the impeller. Head—a measure of the pressure or force exerted by water expressed in feet. Centrifugal pump curves show pressure as head, which is the equivalent height of water with specific gravity = 1. Static Head—the vertical height difference from the surface of a water source to the centerline of the impeller. The vertical height difference from the centerline of the impeller to the discharge point is called discharge static head, while the vertical height difference from the surface of the water source to the discharge point is known as total static head. Total Head / Total Dynamic Head—the total height difference (total static head) plus friction losses and demand pressure from nozzles etc. (total discharge head) = total dynamic head. Capacity/Flow—the rate of liquid flow that can be carried, typically measured in gallons per minute (gpm). Net Positive Suction Head—how much suction lift a pump can achieve by creating a partial vacuum. Atmospheric pressure then pushes liquid into pump. A method of calculating if the pump will work or not. Cavitation—cavities or voids in liquid. Bubbles take up space leading to a drop in pump capacity. Collapsing bubbles can damage the impeller and volute, making cavitation a problem for both the pump and the mechanical seal. Specific Gravity—the weight of liquid in comparison to water at approximately 20° C (SG = 1). Specific Speed—a measure of the function of pump flow, head, and efficiency. Vapor Pressure—the force exerted by the gas released by a liquid in a closed space. If the vapor pressure of a liquid is greater than the surrounding air pressure, the liquid will boil. Viscosity—a measure of a liquid’s resistance to flow (i.e., how thick it is). The viscosity determines the type of pump used, how fast it can run, and with gear pumps, the internal clearances required. Friction Loss—the amount of pressure / head required to force liquid through pipes and fittings.
A Message from Ed Peper “Your Success is Our Success”… We can’t say it any more simply. We want to partner with you and help your business grow in the year ahead, and frankly, we’ll do anything it takes to be your preferred fleet vehicle provider. That’s why we are so excited to share news on what we can offer you for the 2013 model year. We want you to know that you can count on us to provide Great Products, Innovative Business Solutions and an Exceptional Customer Experience. Here’s what we mean: Great Products: With more than 40 vehicles in GM’s extensive lineup, we can offer you a breadth of choices to meet all of your automotive fleet needs. Our offerings from Chevrolet, Buick, GMC and Cadillac include everything from cars and crossovers, to vans and utilities, and trucks. In addition, because we are dedicated to the environment, we provide you with a number of propulsion options that will help all of us reduce our dependence on petroleum, improve fuel economy and reduce emissions. You can count on all of GM’s products to be safe and reliable, and as always, we’ll make sure you get outstanding value. Innovative Business Solutions: We know that our vehicles need to do more for customers like you to meet the challenging demands of a competitive marketplace. That’s why we’ve designed and built them with innovative business solutions. We can provide you with the latest features that make your mobile office more functional. We have accessories and storage solutions that can organize your cargo, and we work with professional upfitting partners who can match quality truck bodies and equipment with your specific vocational demands. In addition, we have programs like FleetTrac, a consolidated billing system, that reduces a fleet manager’s administrative burdens and makes service visits for drivers more convenient. Basically, we have turnkey solutions to any vehicle and utility issues you may have, and we do all of this with the clear intent of making your work life a whole lot easier. Exceptional Customer Experience: Beyond the great products and features, we can provide you with the best customer experience found anywhere in the industry. Everyone at GM Fleet and Commercial, from our sales and service professionals to our experts at the Fleet Action Center, is focused on addressing any questions or concerns you have. We are not just another supplier of vehicles. We are a solid, reliable business partner with fleet expertise and responsive service that you can count on. The bottom line is that we want to help you succeed at what you do. In the year ahead, as the economy improves and you make plans to refresh your vehicle fleet, we hope you will consider General Motors. You can be sure that we will go out of our way to exceed your expectations. Thank you,...