Canada Life offers customizable term insurance Share this article and your comments with peers on social media CLHIA shoots down Covid-19 vaccine rumours James Langton The association reported that speculative trading is on the rise in the province, and that such practices target vulnerable consumers, such as people with an urgent need for money.“This phenomenon is gaining ground in Quebec,” the CLHIA stated in its submission. “Indeed, unregulated groups are working to develop a market around the trafficking of life insurance policies for commercial or speculative purposes.”The practice creates unsavoury arrangements, the CLHIA stated.“The policy buyer’s profit depends on how quickly the insured dies: the sooner the person dies after the purchase of the policy by the promoter, the higher the profit from the investment,” the group noted.Despite past promises to address the practice, the CLHIA said, the government hasn’t taken enough action to combat the risk of abuse.“The government must urgently prohibit this practice to stop it from taking hold in Quebec, and work with our industry to define an effective and sustainable solution,” it said.The CLHIA’s other recommendations to the Quebec government include calls to revise financial sector legislation, which, it says, hampers insurers’ ability to invest while imposing operational constraints.The group also advocates cutting taxes on insurers, taking steps to combat climate change and working with the industry to contain drug costs. Related news cabecademarmore/123RF Universal life policies can’t be used for unlimited deposits, appeal court rules Facebook LinkedIn Twitter The insurance industry is calling on the government of Quebec to take action against speculative trading in life insurance policies, among other recommendations for the next provincial budget.The Canadian Life and Health Insurance Association (CLHIA) said in its pre-budget submission that trading in life policies — such as viatical settlements, life settlements and stranger-owned insurance — should be prohibited. Keywords Life insuranceCompanies Canadian Life and Health Insurance Association
ABC News(NEW YORK) — There will be a couple of different rounds of severe weather in parts of the central U.S. this weekend. Storms are firing in parts of the Plains, where flash flood watches have been issued for parts of Kansas and Nebraska. These storms should intensify later Saturday into Sunday in parts of the central Plains from Oklahoma to Nebraska. There is a slight risk for severe weather for this region, and there is a possibility of strong winds, large hail and some tornadoes.More storms should fire along this stationary front both Sunday and Monday as the system slowly begins to slide east. Storms could drop heavy rain from Kansas to Alabama, with 4 inches or more of rain locally through Monday.Flash flooding could become a concern in some spots through the next few days in this region.Monitoring the tropicsAn area of low pressure over southern Florida Saturday morning is producing tropical rain showers along the Atlantic coast and into parts of the Bahamas. This system will struggle to organize and intensify Saturday, however, as it moves northeast on Sunday and Monday into the Atlantic Ocean it is likely to begin strengthening.It appears that chances are increasing for tropical or subtropical development with this system as it moves into the Atlantic Ocean. It is possible it will become a tropical depression early next week. However, as the system moves northward it will meet a stationary front, which should protect much of the East Coast from a significant weather event.There is a chance for some tropical rain showers to move toward the Carolinas early next week, but all major impacts form this system appear likely to stay off shore.Taste of fallMeanwhile, in the Northeast, the dog days of summer have disappeared. Cool temperatures and low dew points are moving in from Canada and keeping temperatures below average with morning lows in the 50s and low 60s. Some 40 degree temperatures are even possible in parts of the interior Northeast and into Michigan. This is cool enough for many to need a light jacket and jeans Saturday morning — the first time several months.Highs this weekend across the Northeast will be cool with temperatures stuck in the mid to low 70s.Although this might be a taste of early fall for the Northeast, it’s important to remember September is a transitional month, where temperatures can be quite hot and also chilly.Copyright © 2019, ABC Radio. All rights reserved.
“Maybe bad memories from last season, that played a part,” he told a post-match press conference at Anfield. “Look, we had problems today to get our flow going. We didn’t have enough possession in the game. In the first half I felt it was down to tactical and psychological reasons.“In the second half we blocked them much better. After we went 2-1 up, we just let them come at us and didn’t come out enough to score a third goal. As long as you don’t score a third goal, you are under threat to concede a second goal.“We played with three strikers, plus [Alex] Oxlade-Chamberlain and [Santi] Cazorla — that’s basically five offensive players and I felt that we didn’t create enough today. We conceded a corner which was a bit unlucky and where we were guilty, we didn’t jump at all with Skrtel on the corner and from then on we conceded 2-2.“Overall it was a fair result for the whole 90 minutes, but it’s a frustrating result for us because they came back into a game where we had plenty of defenders on the pitch and we should defend the set piece much better.“Look, today is frustrating because they came back to 2-2, but overall it’s not the most frustrating day of the season today.”Arsenal defender Per Mertesacker was also downbeat about his side’s display in an interview with the club’s website.“Overall we have to take responsibility for our game,” said Mertesacker. “We want to dictate but we were on always on the back foot. I’m not really pleased with the performance but we take the point now and we’re looking forward to December 26.“We have to dig in now and try to beat QPR [on December 26]. When you compare this result to last year, this is a much better result, but I’m not very pleased with our performance. We can do much better and we have to find it.”-Soccernet.com0Shares0000(Visited 1 times, 1 visits today) 0Shares0000LIVERPOOL, December 23- Arsenal manager Arsene Wenger has admitted his side’s below-par performance in Sunday’s 2-2 draw against Liverpool may have been partly due to the mental scars inflicted on his players by their 5-1 defeat at Anfield last February.The Gunners had an unusually low 36.5 percent of possession in a game that they came so close to winning until Martin Skrtel headed an injury time Liverpool equaliser, with Wenger conceding his players underperformed on their return to Merseyside.
Electronic article surveillance (EAS) systems using RFID from Scarsdale Security strike a balance between customer friendliness and effective security. Scarsdale installs article surveillance systems meant to deter shoplifters, not intimidate customers. Our RF and RFID article surveillance systems help protect merchandise and profits without creating a barrier at your front door or checkout area. Losses may be reduced by more than 50 percent with an electronic article surveillance system, meaning a very quick return on investment.Next-generation article surveillance: • Simple upgrade path from RF to RFID • Identify people entering the store with booster bags • Capture still or video images of individuals who triggered an alarm • Actionable data for compliance overview and identification of best practices and high risk stores • Integrated customer counters, metal detection and advertising panels • Best-in-class deactivators, labels and hard tagsScarsdale RF EAS systems Our RF EAS systems blend into your store design with several integrated options. No extra posts, barriers or devices to clutter your entrance or check-out area.- Sponsor – Scarsdale RFID-ready EAS systems Invest in RF EAS systems that are easily upgradable to RFID if you are planning to use RFID for inventory management in the future.Scarsdale RFID EAS systems RFID makes it possible to identify whether an individual item has been sold or not. Scarsdale EAS installs floor- or ceiling-mounted RFID EAS readers at the store exit, matching RFID tags or labels and POS solutions.Retailers choose Scarsdale Security Scarsdale Security is a leading provider of retail security, surveillance, business intelligence, access control and fire protection for residential and commercial customers throughout the Northeast and retail customers nationwide. In addition to EAS, Scarsdale provides video, audio interaction, guest analysis and employee assurance and many other advanced security services.Call Scarsdale Security at 914-722-2200 or visit www.scarsdalesecurity.com. Stay UpdatedGet critical information for loss prevention professionals, security and retail management delivered right to your inbox. Sign up now
Additional guidance is issued for Alabama taxpayers that paid or accrued IRC §965 transition tax, including:– corporate taxpayers; and– taxpayers filing as a part of a federal consolidated group.These taxpayers must remove the transition tax from the standard calculation of Alabama’s federal income tax deduction. The tax can only be included as part of the federal income tax deduction if some portion of the IRC §965 income remains in the Alabama tax base after related Alabama deductions are allowed.DocumentationTransition tax is included as part of Schedule J, Part I, Line 11 of Federal Form 1120, or a related federal return. A worksheet, Federal Income Tax Deduction Worksheet – IRC Section 965, can help taxpayers calculate the deductible portion paid or accrued on IRC §965 income. To claim any portion of this tax, the taxpayer must complete the worksheet and attach it to the taxpayer’s 2017 tax year return.Previous guidance was issued (TAXDAY, 2018/05/02, S. 2).The full text of the notice is available at https://revenue.alabama.gov/2018/06/22/notice-additional-guidance-for-corporate-taxpayers-subject-to-the-irc-section-965/.The worksheet is available at https://revenue.alabama.gov/wp-content/uploads/2018/06/FITDWorksheet.pdf.Notice, Alabama Department of Revenue, June 22, 2018Login to read more tax news on CCH® AnswerConnect or CCH® Intelliconnect®.Not a subscriber? Sign up for a free trial or contact us for a representative.
This is a post from a member of the Freelancers Union community. If you’re interested in sharing your expertise, your story, or some advice you think will help a fellow freelancer out, feel free to send your blog post to us here.Do you dream of working on your own as a freelance copywriter? Setting your own hours, and your own rates? Creating sparkling copy that brings viral success?If you do, then you’d best settle in and read this post… because the world of freelance copywriting is competitive, value driven and full of uncertainty.To survive, and flourish as a freelancer, five important components need to be in place:1. Be honest and ethical.Integrity counts. You always want to cultivate long-term partnership with clients that will provide ongoing projects. And without integrity you won’t be able to build a solid foundation of repeat customers with their inherent benefits.Display your rates prominently on your website.Meet deadlines and be prompt with replies.Ask questions and clarify.Deliver value equal to your level of compensation. If you’re getting paid for your five star services, deliver your five star services.Join Freelancers Union (it’s free!)Become a member2. Have a professional website.A professional website can be built quickly, with minimum cost. Keep it simple with easy-to-read, pertinent information. Five or six pages to include could be:A homepage with a brief outline of the services you provide.A page displaying your rates.A separate page with all your contact information. And include a contact box in the sidebar of each page.An about page to introduce yourself.Include a page of samples. Minimum of 5 pieces, 500 words each. And keep adding to your samples until you have a nice mix that demonstrates your versatility.As you develop your clientele, add a page for testimonials.3. Build your portfolio.This step can seem daunting, but if you look carefully there’s always some work you can start with:If you’re really stuck with no copy to show, create some from pro bono sources. Find a need and volunteer your services with a local charity or service organization, your kids’ school website, the free local paper or anywhere you can get a byline for your copy.Create a praise file. Every single time someone praises your work, copy it into a file. This is a great confidence booster to review when times are tough, and it can also be used for testimonials – with the client’s permission, of course.Use temp agencies. Register with sites such as upwork.com and freelancer.com to find work opportunities. Not high pay, yes; but invaluable experience.Free job boards. Sites such as Problogger.com, Freelancewriting.com and FreelancewritingGigs.com are available with daily job listings for freelancers.4. Learn to use social media.Add your freelance profiles to the social media sites you frequent. Google+, Twitter, LinkedIn, Facebook, Pinterest etc. should all be leveraged to showcase your profile, so that anyone can quickly see you’re a freelancer.And take advantage of their social search engines – query for companies with job openings for freelancers in your niche.5. Treat your freelance copywriting as a business.Yes, it is very tempting to write in your jammies ‘til noon, but it’s not really a great success strategy. To help cultivate a professional attitude:Have a set schedule with regular hours for writing, editing, study and job hunting.Get dressed! Send your subconscious the cues it needs to be prepared for the workday.Use a calendar and do only what’s in your calendar. If you’ve blocked out time to write, then write. Don’t putter, check emails, or plan a dinner party – write!Learn how to pitch and write a professional cover letter. Make sure it is to the point, free from grammar errors and easy to read. If necessary, use editing tools (like ProWritingAid) and services from professional editors (like Essay Writer).Be easy to reach.Know your price point. Decide in advance whether you’ll lower prices for bigger projects.To survive, and thrive, as a freelance copywriter you need to be realistic. Writing is work, a job you perform in exchange for money. It is a lot of fun – fulfilling and profitable as well, but it takes time and effort to reach that point. So, dig in and apply the above 5 tips to reap the rewards of becoming a professional freelance copywriter.Janice Kersh is an experienced writer and content creator. She loves to share her writing advice with others, follow her on Twitter.
If Major League Baseball is in the age of the superteam, the Chicago Cubs are at least partially to blame. When they built their championship roster for 2016, the Cubs combined effective tanking with savvy offseason pickups to create one of the best baseball teams ever. But they were quickly succeeded by the Houston Astros, who won the following year using a very similar blueprint. Between the rise of the historically dominant Astros and Los Angeles Dodgers (who didn’t tank but mixed a great talent pipeline with outrageous spending) — to say nothing of the Cleveland Indians or New York Yankees — the Cubs were losing their cachet as a World Series frontrunner. They’d become victims of an era they helped touch off.But Chicago took a big step in reversing that slide Saturday, inking starting pitcher Yu Darvish to a six-year deal worth $126 million. In doing so, the Cubs are climbing away from the no-man’s-land between the top contenders and the tankers, ensuring that Kris Bryant and Co.’s most cost-effective seasons are spent pursuing another championship.Darvish remains one of the best pitchers in baseball, and he’s a major addition to the Cubs’ roster. Since Darvish came over to MLB from Japan as a 25-year-old, only 17 other pitchers have created more wins above replacement (two of his new teammates, Jon Lester and Jose Quintana, rank above him). Darvish has never been worth less than 3.5 WAR when he played a full season, and he contended for the Cy Young award in his first two years in the league.His most recent few seasons have had their challenges. The Japanese sensation went down in 2014 with an injury that required Tommy John surgery, and the recovery period kept him out for the whole 2015 season. Then, amid concerns over whether he was tipping his pitches, Darvish put up the worst numbers of his career in ERA and fielding-independent pitching in 2017. And he struggled in his postseason stint with the Dodgers, posting two of his worst starts ever.But that didn’t deter the Cubs from signing him — nor should it have. Setting small-sample-size concerns aside, Darvish was one of the best free agents available, and he projects as one of the top 20 starters in baseball. Acquiring him at the relatively paltry price of $21 million per year is one of the best bargains of the anemic 2018 offseason. For reference, FanGraphs projected going into the winter that Darvish would get a five- or six-year deal worth between $24 and $28 million per season. But thanks to one of the slowest free-agency periods in recent memory, Chicago ended up landing a top ace for much less money than anyone would have expectedDarvish complements a Cubs rotation that may become one of the best in the league again. According to FanGraphs’ projections, Chicago now has the third-best rotation in the game, trailing the first-place Dodgers by less than two WAR.1The Astros are No. 2. That represents a big improvement over last season, when the Cubs’ starters had slipped to 10th in the majors in WAR. One of the keys to Chicago’s 2016 World Series run was having the third-best rotation in the game, but the next year saw an across-the-board drop-off in performance from the Cubs’ big four of Lester, Kyle Hendricks, Jake Arrieta2Who remains unsigned, having reportedly rejected an extension offer that Chicago made just before signing Darvish. and John Lackey, which played a large role in Chicago’s championship hangover. The additions of Darvish, Tyler Chatwood and 2017 trade-deadline pickup Quintana ought to help Cub pitching bounce back.And perhaps most importantly, Darvish inches the Cubs back toward the top of the MLB heap, in addition to giving them a leg up in what looks like a tough division (which features two of the few teams that have made a lot of offseason noise, the St. Louis Cardinals and Milwaukee Brewers). Before the signing, Chicago was projected for 47.7 WAR by FanGraphs — not much more than the Cubs’ archrival Cardinals. After the deal, that number moved up to 50.1 WAR. It might not sound like much of a difference, but in baseball, incremental improvements can pay big dividends at the high end of the talent spectrum. Once a team’s projected win total reaches the mid-90s — and 50.1 WAR translates to about 98 wins over a full season — each additional win is worth nearly 1 extra percentage point of World Series probability.The benefit could be even greater in a season like the one 2018 is shaping up to be. We gathered preseason win forecasts3Averaging together Baseball Prospectus’s PECOTA with Vegas’s over/unders. for each season since 2005, tracking how often teams were projected to finish with a given number of victories. From 2005 to 2017, an average of 17.4 of MLB’s 30 teams were predicted to win between 80 and 94 games each season, with 0.7 teams projected to post a better record and 11.9 projected to do worse. This season, however, only 12 teams are in that 80-to-94-win bucket, versus 4 teams above and 14 below. Baseball’s class of decent-but-not-great teams seems to have given way to clubs that are either going all-in or punting on the season entirely. In a season like this, that middle ground — where the Cubs were tracking to be — would be the worst place to find yourself.But after signing Darvish, the Cubs officially moved closer to the front-running Astros and Dodgers in the projections than to the next tier of teams (which includes the Indians, Yankees, Nationals and Red Sox). They prevented themselves from being left behind in MLB’s superteam arms race, and they did it for a relatively cheap sum. Although the landscape of baseball has changed a lot since Chicago won it all in 2016, the 2018 version might bring back memories of that star-studded Cubs team.
Play ‘em Jay Cutler (Chicago): It’s time to consider Cutler a legitimate fantasy starter. Last week, Cutler threw for 247 yards and four touchdowns against Philadelphia. This week, he faces a Detroit defense that is allowing the eighth-most fantasy points to opposing quarterbacks. When Cutler faced the Lions in Week 1, he threw for 372 yards with two touchdowns and an interception. Felix Jones (Dallas): Despite a hip injury, Jones turned in a relatively successful performance last week (44 rushing yards and 69 receiving yards). Jones should be more involved in the Cowboys’ offense against the Colts’ 29th-ranked run defense this week. The problem with Jones is that he is losing goal-line touches, but consider him a No. 2 running back for Week 13. Mike Tolbert (San Diego): Tolbert continues to produce with starter Ryan Mathews out because of an ankle injury. Last week, Tolbert recorded his second straight 100-yard performance (103 yards with a touchdown). Mathews could return this week, but Tolbert is clearly the better back in San Diego. Look for Tolbert to take advantage of an Oakland defense that is allowing 134 rushing yards per game. Jeremy Maclin (Philadelphia): Maclin is benefiting from the emergence of Michael Vick. Last week, he had 47 receiving yards with a touchdown. Those numbers will inflate because Maclin faces a Texans’ pass defense allowing the third-most fantasy points to opposing wide receivers. Maclin is becoming the main target in Philadelphia and is a must-start Thursday night. Santonio Holmes (New York): Holmes has been on a hot streak in his last three games, with four touchdowns and 246 yards. Holmes has developed a bond with Mark Sanchez, and that has translated to fantasy production. Holmes plays his best in big games, and this week against the Patriots fits the bill of a big game. Expect Holmes to take advantage of the NFL’s worst pass defense. Bench ‘em Carson Palmer (Cincinnati): Palmer is coming off a stretch in which he had thrown seven interceptions in three games. Those struggles will continue against the Saints. Only three quarterbacks have surpassed 230 yards or more against New Orleans, which has given up a total of just seven touchdowns to opposing quarterbacks. Palmer, at best, is a No. 2 fantasy quarterback for this matchup. Jon Kitna (Dallas): Kitna has been filling in nicely for Tony Romo, but this week he faces a Colts defense that has struggled against the run but not the pass (just 205 yards per game). On Sunday night, the Colts held Philip Rivers to just 185 yards. Maurice Morris (Detroit): Morris was a top pickup after his surprising performance on Thanksgiving, when he totaled 75 yards and two touchdowns. With the Lions’ running back situation and playing the Bears this week, don’t trust Morris going forward. The Bears rank second in the league in run defense, giving up just 81 yards per game. Keiland Williams (Washington): The Redskins’ running game has been a circus with Clinton Portis and Ryan Torain getting injured, and now coach Mike Shanahan is considering starting James Davis in the place of Williams. Williams managed a total of 26 yards against Minnesota last week. Running backs are averaging 13 fantasy points in standard leagues, fifth-fewest in the NFL, against Washington’s opponent this week, the Giants. Santana Moss (Washington): Moss has been inconsistent this season and he has been dealing with a knee injury that caused him to get only 40 yards last week. The injury appears to be all right, but the Redskins’ offense is a mess, which will cut into Moss’ production. The last time Moss played the Giants, he gained just 55 yards.
The Italian goalkeeper stayed with the team after the Calciopoli scandal when his team was punished and forced to play in the Italian Lega Serie BDuring the Calciopoli scandal, Italian Lega Serie A club Juventus was punished with a demotion to the Serie B.And many would have thought all of its biggest stars like goalkeeper Gianluigi Buffon would leave.But the veteran footballer stayed.“In football, you can send a message to the outside with loyalty,” Buffon explained to L’Équipe’s Sport & Style Magazine.Juventus confirm Mario Mandzukic could leave this month Andrew Smyth – September 14, 2019 Sporting director Fabio Paratici confirmed reports that Mario Mandzukic could leave Juventus for a move to an unnamed Qatari team.“To say to the fans: ‘in difficult moments, I’ll be there’. We play for fame, money, trophies and a lot of things, but we also play to feel a sense of belonging.”“I was captain of Italy, I was captain of Juve. I had a lot more responsibilities for the group. It’s a logical point of life, the normal evolution of a sporting career between 30 and 40,” he added.“When I was young I was different, I did what I wanted. It was beautiful and easier, I didn’t really follow the rules.”“But if you behave the same way at 40 as you did at 20 you have a problem,” he concluded.