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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...
Available applications and services are subject to change at any time. Table of Contents Get Started 1 Your Phone at a Glance 1 Set Up Your Phone 1 Activate Your Phone 4 Complete the Setup Screens 4 Set Up Voicemail 6 Sprint Account Information and Help 7 Sprint Account Passwords 7 Manage Your Account 7 Sprint Support Services 8 Phone Basics 10 Your Phone’s Layout 10 S Pen Overview 11 Understanding the S Pen 12 Removing the S Pen from your Phone 12 Using the S Pen 13 Screen Capture 15 Air View 17 Turn Your Phone On and Off 17 Turn Your Screen On and Off 17 Multi Window Overview 18 Enable Multi Window 18 Display Multi Window 18 Work With Multi Window 18 Touchscreen Navigation 19 Your Home Screen 24 Home Screen Overview 24 Creating Shortcuts 25 Adding and Removing Primary Shortcuts 26 Adding and Removing Widgets 27 Extended Home Screens 27 Recently Used Applications 28 Status Bar 29 i Enter Text 31 Touchscreen Keyboards 32 Text Input Methods 32 Google Voice Typing 33 Samsung Keyboard Input Options 34 Samsung Keyboard Options 36 Swype Input Options 37 Swype Text Entry Options 38 Tips for Editing Text 40 Phone Calls Make Phone Calls 41 41 Call Using the Keypad 41 Call from Logs 41 Call from Contacts 42 Call a Number in a Text Message 43 Call a Number in an Email Message 43 Call Emergency Numbers 43 Receive Phone Calls 44 Answer an Incoming Call 44 Mute the Ringing Sound 44 Reject an Incoming Call 45 Reject a Call with a Text Message 45 Voicemail (Traditional) 45 Set Up Voicemail Through the Phone App 45 Retrieve Your Voicemail Messages 46 Voicemail Notification 46 Visual Voicemail 46 Set Up Visual Voicemail 47 Review Visual Voicemail 47 Listen to Multiple Voicemail Messages 47 Configure Visual Voicemail Options 48 Configure Visual Voicemail Settings 49 Automatically Enable the Speakerphone 50 Change Your Main Greeting via the Voicemail Menu 50 Edit the From Name via the Voicemail Menu 50 Record a Visual Voicemail Message 51 Phone Call Options 51 ii Dialing Options 51 Caller ID 52 Call Waiting 52 3-way Calling 52 Call Forwarding 53 In-call Options 53 Speed Dialing 54 Logs 56 View Logs. 56 Logs Options 56 Clear Logs 57 Call Settings 57 Call Rejection 57 Set Reject Messages 57 Ringtones and Keypad Tones 58 Call Alert 58 Call Answering/Ending 59 Auto Screen Off During Calls 59 Accessory Settings for Call 59 My Call Sound 59 Use Extra Volume for Calls 60 Increase Volume in Pocket 60 Additional Settings 60 US Dialing 61 International Dialing 61 TTY Mode 61 DTMF Tones 62 Voicemail Settings 62 Voice Privacy 63 Contacts 65 Get Started With Contacts 65 Access Contacts 65 The Contacts List 66 Add a Contact 67 Save a Phone Number 68 Edit a Contact 70 Add or Edit Information for a Contact 70 iii Assign a Stored Picture to a Contact 71 Assign a New Picture to a Contact 71 Assign a Ringtone to a Contact 72 Join a Contact 72 Delete a Contact 72 Synchronize Contacts 73 Add Entries to Your Favorites 74 Add Facebook Content to Your Contacts 74 Create Groups 75 Share a Contact 76 Accounts and Messaging 78 Gmail / Google 78 Create a Google Account 78 Sign In to Your Google Account 79 Access Gmail 79 Send a Gmail Message 79 Read Gmail Messages 80 Reply to Gmail Messages 81 Email 81 Add an Email Account 82 Add a Corporate Email Account 82 Compose and Send Email 84 View and Reply to Email 84 Manage Your Email Inbox 85 Corporate Email Features 86 Edit Email Account Settings 87 Edit Corporate Email Account Settings 88 Delete an Email Account 90 Add the Email Widget 90 Text Messaging and MMS 91 Compose Text Messages 91 Send a Multimedia Message (MMS) 91 Save and Resume a Draft Message 93 New Messages Notification 93 Managing Message Conversations 93 Text and MMS Options 95 Social Networking Accounts 98
Available applications and services are subject to change at any time. Table of Contents Get Started 1 Your Phone at a Glance 1 Set Up Your Phone 1 Activate Your Phone 2 Complete the Setup 3 Set Up Voicemail 4 Sprint Account Information and Help 5 Sprint Account Passwords 5 Manage Your Account 5 Sprint Support Services 6 Phone Basics Your Phone’s Layout Key Functions 7 7 7 Turn Your Phone On and Off 8 Turn Your Screen On and Off 9 Features 9 Motions and Gestures 9 Smart Screen 10 Air View 11 Voice Control 12 Multi Window 12 Touchscreen Navigation 13 Tap 13 Touch and Hold 14 Swipe or Slide 14 Drag 15 Flick 15 Rotate 16 Pinch and Spread 17 Your Home Screen 17 Create Shortcuts 18 Add and Remove Primary Shortcuts 19 Add and Remove Widgets 19 i Extended Home Screens 20 Recent Applications 20 Status Bar 20 Enter Text 21 Text Input Methods 21 Google Voice Typing 22 Samsung Keyboard 23 Swype 23 Tips for Editing Text 24 Phone Calls Make Phone Calls 25 25 Call Using the Keypad 25 Call from Logs 25 Call from Contacts 25 Call a Number in a Text Message 26 Call a Number in an Email Message 26 Call Emergency Numbers 26 Receive Phone Calls 27 Answer an Incoming Call 27 Mute the Ringing Sound 27 Reject an Incoming Call 28 Reject a Call with a Text Message 28 Phone Call Options 28 Dialing Options 28 Caller ID 29 Call Waiting 29 3-way Calling 29 Call Forwarding 30 In-call Options 30 Speed Dials 31 Voicemail 32 Set Up Voicemail 32 Retrieve Your Voicemail Messages 33 Voicemail Notification 33 Visual Voicemail 33 Logs 34 View Logs 34 ii Logs Options 34 Clear Logs 34 Contacts 36 Get Started With Contacts 36 Access Contacts 36 Contacts Options 36 Add a Contact 37 Save a Phone Number 38 Edit a Contact 38 Add or Edit Information for a Contact 38 Assign a Picture to a Contact 39 Assign a Ringtone to a Contact 39 Link a Contact 40 Delete a Contact 40 Add Entries to Your Favorites 40 Create Groups 40 Share a Contact 41 Accounts and Messaging 43 Google Account 43 Create a Google Account 43 Sign In to Your Google Account 43 Access Gmail 44 Send a Gmail Message 44 Read and Reply to Gmail Messages 45 Samsung Account 45 Email 45 Add an Email Account 46 Add a Microsoft Exchange ActiveSync Account 46 Compose and Send Email 47 Reply or Forward Email 48 Manage Your Email Inbox 48 Edit Email Settings 49 Delete an Email Account 51 Text and Multimedia Messaging 52 Send a Text Message (SMS) 52 Send a Multimedia Message (MMS) 52 Save and Resume a Draft Message 53 iii New Messages Notification 54 Managing Messages 54 Text and MMS Settings 56 Social Networking Accounts 58 YouTube 58 Google+ 58 Hangouts 59 Apps and Entertainment DivX 60 60 DivX Legal Information 60 Locate Your VOD Registration Number 60 Register Your DivX Device for VOD Playback of Purchased Movies 60 Google Play Store 61 Find and Install an App 61 Create a Google Wallet Account 62 Open an Installed App 62 Uninstall an App 63 Navigation 63 Google Maps 63 Scout™ 63 Samsung Apps 64 Music Apps 64 Google Play Music 64 Music 64 Sprint Music Plus 67 Google Play Movies & TV 68 Google Play Books 68 Google Play Games 68 Google Play Magazines 68 Group Play 69 Sprint Zone 70 Sprint TV & Movies 70 Samsung Link 71 Configure Samsung Link Settings 71 Use Samsung Link to Share Media with Another Device 72 CBS Sports 72 BaconReader 73