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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.
Job hunting after a job loss can be tough. Maybe you loved your old job. Maybe you hated it. Either way, being laid off is a shock. If you plan a careful job search, you have a better chance of landing a great next job. Follow these tips to make your job search a success.
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.
Nutrient Solution Formulation for Hydroponic (Perlite, Rockwool, NFT) Tomatoes in Florida1 George J. Hochmuth and Robert C. Hochmuth2 Plants require 16 elements for growth and these nutrients can be supplied from air, water, and fertilizers. The 16 elements are carbon (C), hydrogen (H), oxygen (O), phosphorus (P), potassium (K), nitrogen (N), sulfur (S), calcium (Ca), iron (Fe), magnesium (Mg), boron (B), manganese (Mn), copper (Cu), zinc (Zn), molybdenum (Mo), and chlorine (Cl). The key to successful management of a fertilizer program is to ensure adequate concentrations of all nutrients throughout the life cycle of the crop. Inadequate or excessive amounts of any nutrient result in poor crop performance. Excessive amounts can be especially troublesome since they can damage the crop, waste money and fertilizer resources, and pollute the environment when fertilizer is released during flushing of the nutrient delivery system. problem comes early in the season when plants become too vegetative (bullish) from too much N. The bullish growth distorts the leaves and stems, causing cracks and grooves in the stems. These openings are excellent entry ports for decay-causing organisms such as soft rot. Bullish plants usually produce misshapen fruits often with significant amounts of blossom-end rot and cat-facing. Keeping the N level low (60 to 70 parts per million) early in the season helps eliminate bullishness. For Florida greenhouse vegetable producers, management focuses on all nutrients except for C, H, and O. The latter three elements are usually supplied in adequate amounts from air and water. Growers in northern climates, where greenhouses are not ventilated in the winter, see benefits from additions of C from carbon dioxide (CO2). Increased yields in Florida from additions of CO2 are unlikely due to the need for frequent ventilation. Nutrient management programs should begin with an understanding of the nutrient solution concentrations in parts per million (ppm) for the various nutrients required by tomato plants. By managing the concentrations of individual nutrients, growers can control the growth and yield of the crop. Table 1 presents the fertilizer recommendations for tomatoes for the various growth stages during the season in Florida. These recommendations are applicable to all types of production systems (perlite, rockwool, and NFT) in which healthy roots are maintained, and are a suitable base when determining a nutrient solution plan for cucumbers and peppers. However, cucumbers will need more N early in the season than tomato.
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 Install the battery 1 Charge the Battery 2 Turn your Phone On 2 Activation and Service 3 Create Your Account and Pick Your Plan 3 Activate Your Phone 4 Manage Your Account 4 Top-Up Your Account 4 Additional Information 5 Complete the Setup 5 Set Up Voicemail 6 Memory Card 6 Install a microSD Card 7 Remove a microSD Card 7 View microSD Card Memory 7 Format a microSD Card 7 Unmount a microSD Card 8 PHONE BASICS Your Phone’s Layout Key Functions 9 9 9 Turn Your Phone On and Off 10 Turn Your Screen On and Off 10 Touchscreen Navigation 11 Multi Window 16 Your Home Screen 17 Creating Shortcuts 18 Adding and Removing Primary Shortcuts 18 Adding and Removing Widgets 19 Extended Home Screens 19 Recent Apps 20 i Status Bar 20 Enter Text 21 Touchscreen Keyboards 21 Text Input Methods 22 Google Voice Typing 22 Samsung Keyboard 23 Swype 23 Tips for Editing Text 24 PHONE CALLS Make Phone Calls 26 26 Call Using the Keypad 26 Call from Logs 26 Call from Contacts 26 Call a Number in a Text Message 27 Call a Number in an Email Message 27 Call Emergency Numbers 27 Enhanced 911 (E911) Information 28 Receive Phone Calls 28 Answer an Incoming Call 28 Mute the Ringing Sound 28 Reject an Incoming Call 29 Voicemail 29 Retrieve Voicemail Messages 29 Voicemail Notification 29 Visual Voicemail 30 Phone Call Options 30 Dialing Options 30 Caller ID 30 Call Waiting 31 3-Way Calling 31 Call Forwarding 31 In-call Options 32 Speed Dialing 33 Logs 33 View Logs 34 Logs Options 34 Clear Logs 34 ii CONTACTS 35 Get Started with Contacts 35 Access Contacts 35 Add a Contact 35 Save a Phone Number 36 Edit a Contact 36 Add or Edit Information for a Contact 37 Assign an Image to a Contact 37 Assign a Ringtone to a Contact 37 Link a Contact 38 Delete a Contact 38 Add Contacts to Your Favorites 38 Create Groups 39 Create a New Group 39 Add a Contact to a Group 39 Send a Message to Group Members 39 Share a Contact ACCOUNTS AND MESSAGING Google 40 41 41 Create a Google Account 41 Access Gmail 41 Send a Gmail Message 42 Read and Reply to Gmail Messages 42 Email 43 Add an Email Account 43 Add a Microsoft Exchange ActiveSync Account 43 Compose and Send Email 44 View and Reply to Email 45 Manage Your Email Inbox 45 Edit Email Settings 46 Delete an Email Account 49 Text and Multimedia Messaging 49 Send a Message 49 New Messages Notification 50 Managing Message Conversations 50 Messaging Settings 52 Social Networking Accounts 54 iii Flipboard 54 Google+ 54 Hangouts 54 YouTube 55 APPS AND ENTERTAINMENT Samsung Link 56 56 Configure Samsung Link Settings 56 Use Samsung Link to Share Media with Another Device 57 Group Play 57 DivX 58 DivX Legal Information 59 Locating Your VOD Registration Number 59 Register Your DivX Device for VOD Playback of Purchased Movies 59 Google Play Store 60 Find and Install an App 60 Create a Google Wallet Account 61 Open an Installed App 61 Uninstall an App 61 Google Play Books 61 Google Play Magazines 62 Google Play Movies & TV 62 Google Play Music 62 Music App 62 Google Maps 63 WEB AND DATA 64 Internet 64 Chrome 64 Data Services (3G and 4G) 64 Your Data Services User Name 64 4G Services 65 Wi-Fi 65 Turn Wi-Fi On and Connect to a Wireless Network Bluetooth 65 66 Turn Bluetooth On or Off 66 Connect a Bluetooth Headset or Car Kit 67 Reconnect a Headset or Car Kit 67 Disconnect or Unpair from a Bluetooth Device 68
Using this manual Thank you for choosing this Samsung mobile device. This device will provide you with high-quality mobile communication and entertainment based on Samsung’s exceptional technology and high standards. This manual has been specially designed to guide you through the functions and features of your device. Read me first Before using your device, read the entire manual and all safety instructions to ensure safe and proper use. ●● The descriptions in this manual are based on the default settings of your device. ●● The images and screenshots used in this manual may differ from the actual product. ●● The contents of this manual may differ from the product, or from software provided by service providers or carriers, and are subject to change without prior notice. Access the Samsung website (www.samsung.com) for the latest version of the manual. ●● Available features and additional services may vary by device, software, or service provider. ●● Formatting and delivery of this manual is based on Android operating systems and may vary depending on the user’s operating system. ●● Applications on this device may perform differently from comparable computer applications and may not include all functions available in the computer version. Applications and their functions may vary by region or hardware specifications. Samsung is not liable for performance issues caused by third-party applications. ●● Samsung is not liable for performance issues or incompatibilities caused by edited registry settings or modified operating system software. Attempting to customise the operating system may cause your device or applications to work improperly. ●● You can upgrade your device’s software by accessing the Samsung website (www.samsung.com). ●● Software, audio, wallpapers, and images provided in this device are licensed for limited use between Samsung and their respective owners. Extracting and using these materials for commercial or other purposes is an infringement of copyright laws. Samsung is not liable for such copyright infringement by users. ●● You may incur additional charges for data services, such as messaging, uploading and downloading, auto-syncing, or using location services. To avoid additional charges, select an appropriate data tariff plan. For details, contact your service provider. ●● Please keep this manual for future reference. ●● Using this manual
Commercial-grade accessories that work as hard as you do. Designed, manufactured and validated to the strictest of GM standards — GMC Accessories offer quality, convenience and peace of mind. A big deal for small business owners No matter what your business, you need reliable vehicles, outstanding service and quality accessory upfits to get the job done. With the GM Business Choice Program, eligible business owners can receive up to $1,200* of select GMC Accessories, plus a business maintenance plan** on every eligible GMC vehicle. See page 19 for details. * Customer will need to spend at least $500 to be eligible. The 2013 GM Business Choice Program is valid from January 3, 2013, through September 30, 2013. Ask your dealer for details. ** According to your vehicle’s recommended maintenance schedule for up to two years or 30,000 miles, whichever comes first. Does not include air filters. See participating dealer for restrictions and complete details. 2 HARD FOLDING TONNEAU COVER WITH OPTIONAL PERSONAL CADDY® by sierra The patented, award-winning Fold-a-Cover hard folding tonneau cover is engineered to provide quick and easy access to your truck’s cargo area, while offering the ultimate protection for your payload. The optional Personal Caddy cargo management system is designed to work exclusively with the G4-Elite Fold-a-Cover, providing integrated clean, dry, and lockable storage for smaller items into the cargo area. GMC Accessories are professionally engineered to Tackle the toughest Jobs — any time, any day. Tonneau Cover — Hard Folding with Optional Personal Caddy Single-Lid Deep-Well Toolbox by FPO This toolbox provides the strength and dependability you rely on and security you count on. The patented, fully foamed lid creates a rigid wall to help prevent bending or warping. The box and lid take on heavy loads and withstand the impact from dropped tools. Accompanying coated J-hooks protect your truck from scratches and make for easy installation. Gullwing Toolbox by This toolbox combines convenience and security with easy access to either end of the box. An innovative connecting rod enclosure helps prevent the box contents from bending or jamming the locking system. With a slight pull, the self-closing struts automatically shut the lid and secure the toolbox. Coated J-hooks provide your truck protection from scratches and assist in easy installation. UWS Single-Lid Deep-Well Toolbox
Generated by Foxit PDF Creator © Foxit Software http://www.foxitsoftware.com For evaluation only. Healthy Eating Plan 1800 Calorie Plan There are many different types of eating plans available; however, the key to success is finding one that works for you. One key ingredient for a meal plan to work is consistency. Many of us fail to keep consistency in our lives or we stay consistent with bad habits. Two examples that come to mind include skipping meals and breakfast. Failure to break-the-fast every day and skipping meals improves the chance that you will fail to reach your goals. Eating breakfast and consuming small meals (4 to 6 per day) prevents binge eating, nighttime snacking, and weight gain. It also keeps your metabolic rate at an optimal pace. The body requires fuel to keep your metabolism burning. Think of metabolism as a campfire. To keep a fire burning strong, it must be fed small doses of wood (i.e., fuel). Dropping a large log onto the fire will keep the fire burning, but not as effectively as if it was fed small portions of wood. With the fire still in mind, you have to look at its preferred fuel choice. Adding paper or “empty calories”, the fire will burn through it very quickly. As a result, the fire becomes starved and must be fed very often. Now if you added a mixture of paper and wood, the fire will have enough fuel to burn for a longer period of time. The wood will satisfy the fire’s appetite more than the paper. Wood is to fire as protein is to humans. Your diet should always include a source of protein at each meal and snack. Serving Sizes Serving sizes are not designed to tell you how much you should eat at each meal, but rather, to give you a pattern with which to compare your intake with your goals. Based your specific goals, try to consume the appropriate amount of food based on the following serving sizes. Breads, Cereal, Rice, and Pasta Group One serving = 80 calories or one of the following: 1 slice bread, 2 slices “extra thin” or “diet” bread, ½ English muffin, ½ frankfurter or hamburger bun, 1 small dinner roll, ½ cup starchy vegetables, ½ cup mashed or 1 small baked potato, ½ cup cooked cereal, pasta, rice, 1 tortilla 6” across, 1 ounce cold cereal, 4-6 crackers, 3 cups air popped popcorn, 2 rice cakes or 5 mini cakes. Fruits One serving = 60-80 calories or one of the following: 1 medium portion of fresh fruit: orange, apple, banana, 2 Tbsp raisins, ¼ cup dehydrated fruit; ½ cup cooked or canned fruit, ½ cup fruit juice ...
Helpful Guidelines for Successful Weight Loss Weight loss should occur when you eat fewer calories than you burn. Increasing physical activity while limiting your calories will increase your rate of weight loss. Increasing physical activity will also help you to maintain your weight after weight loss. Discuss appropriate calorie levels and serving sizes with your dietitian. 1. Keep a written food and physical activity journal. 2. Weigh yourself once per week at the same time of day, with the same amount of clothing, and on the same scale. 3. Eat breakfast everyday and do not skip meals. Skipping meals can lead to extreme hunger, overeating and poor food choices. 4. Plan your meals and eat around the same time every day. 5. Pick an eating area at home and/or work. 6. Turn off the TV and/or computer during meals and snacks. 7. Eat slowly. Take 30 minutes for a meal. It takes 20 minutes before you feel full, so wait 20 minutes after your first serving before taking a second serving. 8. Eat protein foods first to help you feel full sooner. 9. Read food labels to help control portions of food. 10. Eat less fat and sugar. Eat more fiber, including fresh fruits/vegetables and whole grains. 11. Limit restaurant and fast food meals. 12. Don’t keep problem foods around the house and/or at work. A problem food is a food that you are likely to eat too much of or too often if readily available. 13. Drink at least 8 cups (64 ounces) of liquids per day. Focus on calorie-free, caffeine-free beverages. 14. Get adequate sleep each night (7-9 hours). Clinical Dietitians, Food & Nutrition Services, UC Davis Medical Center (3/06) © 2006 The Regents of the University of California. All Rights Reserved. Food Preparation Use lowfat cooking methods such as baking, grilling, boiling, poaching, broiling, roasting, steaming or microwaving without additional fat. Avoid or limit frying. Place meat on a rack so the fat will drain off during cooking. Remove skin from poultry before cooking. Trim all visible fat from food (i.e. poultry and meat) before cooking. Use non-stick cookware or cooking sprays. Use egg whites or egg substitute in place of whole eggs. Season food with spices, butter flavoring (such as Butter Buds®), lemon or low-fat dressings. Limit high-fat sauces or gravies such as sour cream, regular salad dressings, full-fat gravy, and cream or cheese sauces (such as Hollandaise or Alfredo sauce). Use a sugar substitute in place of sugar. Replace sugar in recipes with a sugar substitute that can be used in baking or cooking.
Weight Loss Systems Woman’s 1000-1200 Calorie Diet Plan 3 Meal Replacements (MR); 3 Protein Supplements (PS); 1 Protein Bar (PB); 1 Healthy Meal (HM) Breakfast 1 Weight Loss Systems Pudding/Shake or Smoothie (MR) 1 Weight Loss Systems Hot Cakes or Cereal or Oatmeal (PS) 1 Optional or 1 Dairy Morning Snack 1 Weight Loss Systems Pudding/Shake or Smoothie (MR) 1 Fruit Lunch 1 Weight Loss Systems Lite Entrée or Soup (PS) 1 Weight Loss Systems Protein Bar (PB) Afternoon Snack 1 Weight Loss Systems Pudding/Shake or Smoothie (MR) Dinner 1 Protein (4oz Very Lean or 3oz Lean) (HM) 2 Vegetables, 1 Starch and 1 Optional (HM) Evening Snack 1 Weight Loss Systems Double Chocolate Cake or Cheesecake or Pudding or Hot Drink or Fruit Drink (PS) Approximate Daily Totals Calories 1000-1200 Protein 120g-140g Carbohydrates 110g-140g Fat 15-30g 1 Multivitamin and at least 8 cups of water or non-caloric beverages daily. Instructions: 1. You may use spices, seasonings, vinegar, lemon juice, mustard, horseradish, sugar free gelatin, and listed beverages as desired. 2. Take 1 multivitamin and drink at least 8 cups of water or non-caloric beverage daily. 3. Foods may be rearranged within one day to meet your schedule or personal preferences. 4. Use the Food Selection List & Shopping Guide to plan your Healthy Meal, Fruit selection, and to create a shopping list. 5. Prepare food in the Healthy Meal by Baking, Boiling, Broiling, Grilling, Roasting or Steaming. NO Frying. 6. Consume ALL Meal Replacements and Supplements as directed for optimum nutritional intake, support of lean muscle and to curb hunger. 7. Eat meals at regular intervals. *** Consult with your doctor before starting any diet, exercise, or supplementation program. *** Nashua Nutrition • 522 Amherst Street • Nashua, NH 03063 • 1-800-649-1374 • www.NashuaNutrition.com Weight Loss Systems Woman’s 1000-1200 Calorie Diet Plan Meal Replacements Flavors Pudding/Shakes Chocolate Cream, Vanilla Cream, Strawberry Cream, ChocoMint Cream, Mocha Cream Smoothies Berry Yogurt, Strawberry Yogurt Fruit Drinks Berry Blast Soups Tomato Protein Supplements Flavors Oatmeal Apple ‘n Cinnamon Cereal Cinnamon Crunch, Berries 'n Chocolate Crunch Fruit Drinks Berry Blend, Cran-Grape, Kiwi & Berry, Tangy Orange, Tangy Lemon Hot Drinks Hot Chocolate, Cappuccino Soups Chicken with Noodles, Chicken & Vegetable Cream Lite Entrees Vegetable Cheese Omelet, Vegetarian Sloppy Joe, Zesty Chili, Spicy Cheese ‘n Pasta, Cheese Steak Macaroni Puddings Dark Chocolate, Lemon, Chocolate Chip with Marshmallows, Toffee Creme, Caramel, Butterscotch, Banana Desserts Double Chocolate Cake, Cheesecake Protein Bars Flavors Crispy Bars Crispy Cinnamon, Crispy Peanut, Crispy Fudge & Graham, Crispy Berry Yogurt, Crispy Coffee Chocolate Nutrition Bars Caramel Brownie Nut, Caramel Butter Pecan, Cookie Dough, ChocoMint, Chocolate Coconut, Creamy Cookie, Chocolate, Tangy Lemon Crisp, Cinnamon Oatmeal Raisin, Chocolate Peanut Butter, Peanut Butter Crisp, Butter Toffee, Sampler Pack Nashua Nutrition • 522 Amherst Street • Nashua, NH 03063 • 1-800-649-1374 • www.NashuaNutrition.com