business insurance-Ellsworth | Gibbor Green

business insurance Ellsworth ME The number of drivers on the road increases each and every year. As this number increases, the possibility of accidents also increases. The difference between a little aggravation and large obstacle can be the car insurance you have purchased. But why do you need to own insurance and exactly how much should you purchase? Your insurance may be able to pay for the expenses from a car crash ranging from hospital bills to replacement costs. Your state or province certainly requires some type of auto insurance. Electing to drive without insurance could cause you to repair or replace a stolen or damaged vehicle or pay the cost of any damage for which you might be responsible. Liability: This type of insurance coverage can pay for the damage that you are responsible for. These damages might include personal injury, and property damage. It can also cover your defense and court costs if you are sued. Recommended, higher levels of liability insurance can be purchased that take care of more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, regardless of who was at fault in the accident. It is sometimes referred to as no-fault coverage. It may also pay for lost wages, replacement of services and funeral costs. State law usually sets minimum amounts. Medical Payments: This coverage can be purchased in non-no-fault states; it pays despite who may be responsible. All necessary medical or funeral expenses will be covered under this type of coverage. Collision: This pays for damage to your car caused by an accident. Comprehensive: Protect your car from all non-collision damages when you buy this type of coverage. This can include protection from burglary, vandalism, and weather damage. Uninsured Motorist: Many drivers are ignoring the law by driving without purchasing the right amount of insurance. This insurance will protect you if one of these drivers hit you. Under-Insured Motorist: There are other drivers who have liability insurance that can?t pay for all the expenses they are responsible for. Under-insured motorist coverage protects you from those drivers. Other types of coverage, like car rental and emergency road service, are also available. Your auto insurance payments varies based on the company and will depend on multiple factors, such as: * Which policies you select * The type of the car you drive * Whether or not you have been in an accident * Your age, sex and marital status * Where you live Don?t wait around to buy auto insurance; you shouldn?t drive a car without it. Review your needs, do your research , and with the support of your insurance agent, choose the option that fits you best.

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Source: http://gibborgreen.com/business-insurance-ellsworth/

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Six new cases reported in meningitis outbreak

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Crown Ambassador 2012 released

Crown Ambassador 2012 released

Carlton & United Breweries have launched their fifth vintage Crown Ambassador Reserve Lager with a lavish dinner at Melbourne?s Luminare restaurant.

The 2012 release of Ambassador, which will be available from November 5, provides a bolder front-up hop aroma and bitterness compared to previous vintages. This increased presence of the Galaxy hop character represents the fingerprints of new lead brewer, Tully Hadley, who took the Ambassador reins following the retirement of John Cozens earlier this?year.

The launch event featured a three course menu matched to three vintages of Ambassador, constructed by food critic and TV personality Matt Preston. Describing himself as a ?beer and spirits guy rather than a wine snob?, Preston admitted to tasting Ambassador for the first time only two weeks prior, over a game of cards at?1am.

The exclusive dinner, marking the first public tasting of 2012 Ambassador, was attended by a number of Preston?s Channel 10 colleagues, as well as restaurant owners, notable Melbourne figures, media and CUB and SABMiller staff. The design of the occasion supported the desired image of elegance and luxury that is used to market the limited release beer, with 7000 individually numbered bottles released each?year.

The young vintages of Crown Ambassador Reserve Lager essentially obtain their luxury element only from the high price tag when compared to many of the finely-crafted high-alcohol craft beers now available on the local market. However, five years into the project, Ambassador is now displaying its value with excellent ageing quality by developing a silky smooth texture with rich complexity.

An entr?e of roasted pork belly paired with the 2009 vintage Crown Ambassador Reserve Lager. ? Jim Lee?2012

Preston?s fine dining menu began with an entr?e of caramelised pork belly with a golden raisin pur?e Belgian endive, snow pea leaves, pear and fennel salad paired to the 2009 Ambassador. The beer?s second vintage has matured into a silky smooth palate and full malt body with layers of caramel sweetness, making it delightfully easy to drink. This well-aged beer would seem more appropriate as a nightcap to end a meal, but it matched very well to the sweetness of the pork belly and?pear.

The 2012 Ambassador followed with the main course of a smoked beef fillet with rosemary and black truffle potato gratin, crispy fried carrot and Crown Ambassador jus. Although not yet displaying the balance of aged vintages, the newest Ambassador is bright yet delicate in the mouth, currently dominated by resiness hop character. The slightest note of bubblegum is present at the back of the aroma, which may be a hint of vanilla imparted by the oak barrel component of this blended beer.

Last year?s Ambassador vintage is still quiet sharp and will also benefit from more time to mellow. It did not quite have the silky palate or full-bodied balance it needed to match the delightfully rich dessert of Valhrona chocolate and prune torte topped with a butterscotch brittle and cr?me fraiche, yet 2011 Ambassador remains an enjoyable part of this beer?s journey.

Tully Hadley and the 2012 Crown Ambassador Reserve Lager. ? Jim Lee?2012

When asked about the hefty greenness displayed by the new Ambassador, Tully Hadley praised the versatility of the Australia?s Galaxy hop.

?Galaxy is amazing, I?ve brewed with it in Cascade Pure where it gives a real tropical, lychee fruitiness to it, but then Stone & Wood use it and it?s very much like fruit?salad.?

?In this Ambassador it?s a bit more of a pine aroma which might be from the use of the green hops that were really resinous.?

?Looking back at previous vintages, one of the things I wanted to do this year was to lift the bitterness to balance it really nicely, but also to up the hop character in general for both aroma and flavour, and that carries through in the bitterness,? Tully explained.

?I want the bitterness to still be present in a couple of years?time.?

?This year we picked the hops on a Tuesday afternoon. If we had waited until the Wednesday morning it would have been too late. They were just ready to burst, full of essential oils and alpha acids, which I think has added to the?brew.?

Not surprisingly, the CUB employees present at the dinner were keen to discuss the recent ?good news story? of Victoria Bitter returning to its former 4.9 per cent alcohol by volume formula. However, they were very coy about discussing the reported under-performance Crown Lager on tap, relying on the premium beer?s draught presence in limited high end locations, such as the restaurants of 4 and 5 star hotels.

Tully said that there is more to just the change in VB?s alcohol percentage that has been occupying their time at the Abbotsford brewery. All the beers across CUB?s core range have been adjusted to remove the use of preservatives.

The directive came from new owners SABMiller. Tully recalled that their initial message was ?get the beer right first and sort out the marketing later.?

Tully suggested that the CUB brewers have compensated for the removal of preservatives from their core lagers by improving and paying more attention to brewing techniques and efficiencies in order to maintain the existing shelf life of their beers. The differences should be unnoticeable to drinkers except maybe for a slight reduction in hangovers, which are often attributed to the use of various preserving agents. Ultimately, it seems that there has been much more recent adjustment to CUB beers as opposed to simply returning VB to its original formula.

As for Ambassador, it remains the same beer of previous vintages but this year it has been crafted with an 8% blend of an oaked?batch.

?Not everyone?s going to drink it in the next couple of months, so the challenge is brewing a beer that will last. The oak barrel is very subtle on the nose but it will build with age,? said?Tully.

Planning for next year?s vintage will begin in a couple of months time. Tully noted that anything is possible for future Ambassador brews. So far each vintage has been built on the same base beer, with subtle variations delivered by the use of fresh hops and the blending ratios with oaked and aged batches. However, he is not ruling out the potential to experiment with different yeasts, hops and malt profiles should that enhance the luxury of Crown Ambassador.

The hot tip from Tully regarding his first Crown Ambassador vintage: ?I think it will be amazing by the middle of next?year.?

James Davidson was a guest at the 2012 Crown Ambassador dinner.

Tags: Crown Ambassador Reserve, CUB

This entry was posted on October 29, 2012 at 9:02 am and is filed under Beer and Food, Features, New Brews. You can follow any responses to this entry through the RSS 2.0 feed.

Source: http://www.brewsnews.com.au/2012/10/the-ambassador-returns/?utm_source=rss&utm_medium=rss&utm_campaign=the-ambassador-returns

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SEO Services | Social Bookmarking

Skilled SEO services may lift your internet site above the competition. According to SEO experts, help business owners provide their sites to prime rank search engines like google. They be sure that the site includes a unique setting that attracts Online users. Search engine optimization experts apply the newest analytics service, which has a beneficial impact on a web site. SEO organizations are dealing with great competitors in the SEO field. However, they expose guaranteed Search engine optimization to cope with competition.

However, guaranteed SEO services range from the 100% money refund because the website may not be rated with prime search engines like Google and Yahoo, and they refund the amount of money. Therefore, the SEO organizations ensure the consumers that the income refund will likely be done, considering that the search engine optimization experts are not confident whether the internet site will be rated with the prime search engines.

These kind of SEO organizations have a method requiring consumers to pay the various search engines (including Google and Yahoo) pertaining to monthly website maintenance. However, the company has guaranteed Search engine optimization, where consumers do not pay upkeep for that calendar month.

Google has always been top, given that they have exact methods and algorithms in which deliver reliable results to the searchers. However, Google makes it difficult pertaining to web developers to utilize optimization tricks in influencing search engines. This is the reason SEO organizations have the guaranteed SEO income refund.

SEO companies make certain that guaranteed Search engine optimization include the Search engine webmaster guidelines. Webmaster guidelines boost website rank and look activity. The services clients acquire from SEO experts are similar to marathons. However, clients should know that SEO tricks may have a great effect on a website and damage it-which means that they have to use the legitimate SEO strategies to be able to receive remarkable results.

Though one may go through a lot in regards to the search engine ranking, simply no search engine optimization company may ensure that their site can get the first page on the internet or Yahoo search engine results. In spite of this, SEO organizations have guaranteed SEO services and it is great when one symptoms with Google. The fact remains in which SEO services guarantee clients in which even if the internet site will not rank among the prime search engines, the amount of money will not be the waste because of the refund.

A lot of webmasters are confused when hiring a seo SEO specialist. Although SEO experts are viewed to save some time and improve webmaster sites through SEO tactics, they can furthermore frustrate website owners. Thus, website owners must investigate pros and cons associated with SEO services. The major tasks from the SEO experts are:

? Ensure that the site is well examined in the content material or construction
- Supply Search engine optimization SEO advice on web design like use of JavaScript and internet hosting
- Build website content material using Search engine optimization
- Supply online business enhancement campaigns
? Target keyphrase research
- Offer SEO instruction

However, the webmasters may grasp seo SEO through websites. They?re going to understand the important things about hiring a welsh seo expert and what to prepare for from one.

It is clear any time webmasters employ a Search engine optimization SEO expert, they stand an improved chance of increasing their Search engine optimization. When they want to start a new site it?s great to look for web designers who have web design talent. The web developer will assure that a webmaster?s site actually reaches the top optimization like Yahoo or google. The web builder also helps in bettering an existing internet site.

However, website owners have to question several queries about search engine optimization SEO including:

One particular. Do they have prior examples and testimonies via past clients?
Two. Do they follow the guidelines from the Google webmaster?
3. Do they implement the SEO Online marketing services to boost online business?
Some. Do they have experience with the webmaster?s industry?
A few. Do they have expertise in the webmaster?s country/city?
6. Do they have experience in developing sites pertaining to international organizations?
7. What are best SEO techniques to apply on the webmaster?s site?
8. How long has the SEO specialist been in web design?
9. Really does the SEO expert have good communication skills when creating changes around the client?s internet site?

Although the SEO experts provide great Search engine optimization to their consumers, there are a few which ruin the net design industry through their own greed inside marketing endeavours and manipulate search engine rank. If search engine optimization SEO does not involve moral practices, the website may have minimal visibility on Google or even be removed from the Google list.

SEO and social media marketing make certain that one?s internet site has the best SEO Online marketing, which means that their own company can remain competitive inside the online market. All the personal has to do is cross over in their business online.

SEO Online marketing has major components, that develop your website traffic, and top search engine rank. However, website owners should be aware why these components are certainly not easy to acquire. They must utilize formulas and SEO methods to produce effective results. There are lots of websites delivering pertinent information regarding SEO and online marketing, and you will learn from them.

If one?s company does not have SEO Internet marketing tactics, he or she will require help from SEO experts. They?ll have to find SEO expert websites, who will profit the business customer?s site have several customers inside online marketing. The actual obligation associated with SEO experts is to produce exposure to businesses. They give attention to SEO Online marketing goals and still provide top search engine rank like Google and Yahoo. However, to accomplish all this, web designers use SEO custom providers, which have long-lasting SEO Google rank.

SEO organizations ensure that your internet site has all the SEO Online marketing such as company improvement, nearby product sales, top quality online age group and the sleep. Webmasters are guaranteed to remain competitive inside the online business if they stick with SEO experts. They?ll have all they have to ensure company success.

Business owners who do have a very business website lose enormous amounts of income from online marketing. They should are aware that SEO Online marketing mandates a business website, because it is a necessary internet marketing tool. A web site or weblog is just like news ads, letterheads, or the phone book. However, your website must be user-friendly and merely as advertising campaign is important, the SEO website is the same.

It?s correct that 44% associated with small businesses don?t have a website as well as blog. They are unable to attain 73% of Online users each day. If your company includes a website, buyers can investigate the latest merchandise the business customer?s company offers. SEO Online marketing can help any company through their internet site to sell merchandise. All businesses must have their own website, including organizations using websites provided by insurance plan.

Daniel Clark is a seasoned agent for 12 yrs and have been learning awesome ideas in edmonton website design in part of her affiliation with Creative Ideas Team ,a new creative team for creative people. Read more about her seo calgary website to read more about her edmonton seo company tips over the years.

Source: http://neobookmark.com/blog/social-bookmarking/seo-services/

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Cover Letter: Sales Letter or Not? - Quintessential Resumes and ...

Concluding a series a series of excerpts by Susan Ireland from this article. As we did in our cover-letter white paper not long ago, Ireland examines some conventional wisdom about cover letters.

Conventional Wisdom: Make your cover letter a sales letter.

Ireland?s response: Yes and no. You resume cover letter is a sales letter in the sense that it pitches you to the recruiter or hiring manager. It should also paint a picture of you at the job interview by showing that you know what the company does, what value you offer, and what you?d like to discuss in person. While saying this, your cover letter should reveal your professional personality so the reader gets a sense of you ? the person he?ll be sitting with in the interview.

But an over-the-top sales letter is not appropriate for most job objectives. It may work very well for sales, marketing, and promotion jobs where a ?salesy? approach is expected and valued. But that same sales-letter approach will likely fall like a rock off a cliff for an IT professional, accountant, school teacher, and frankly most occupations not involved with sales.

Source: http://www.resumesandcoverletters.com/tips_blog/2012/10/cover-letter-sales-letter-or-n.html

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Earnings schedule for week of 10/29/2012

Major companies tentatively scheduled to report quarterly earnings next week:

Monday

Burger King Worldwide Inc. reports quarterly financial results.

Baidu Inc., the Chinese Internet company, reports quarterly financial results.

Tuesday

Avon Products Inc. reports quarterly financial results.

Ford Motor Co. reports quarterly financial results.

Pfizer Inc. reports quarterly financial results.

United States Steel Corp. reports quarterly financial results.

TomTom, the Dutch maker of navigation devices, reports quarterly financial results.

Deutsche Bank, the German bank, reports quarterly financial results.

Bayer, the German chemical and drug maker, reports quarterly financial results.

UBS AG, the Swiss bank, reports quarterly financial results.

Wednesday

General Motors Co. reports quarterly financial results.

MasterCard Inc. reports quarterly financial results.

Ralph Lauren Corp. reports quarterly financial results.

Visa Inc. reports quarterly financial results.

Panasonic Corp., the Japanese electronics maker, reports quarterly financial results.

Mazda, the Japanese automaker, reports quarterly financial results.

Lufthana AG, the German airline, reports quarterly financial results.

Total, the French oil company, reports quarterly financial results.

Thursday

Kellogg Co. reports quarterly financial results.

Starbucks Corp. reports quarterly financial results.

Exxon Mobil Corp. reports quarterly financial results.

Sony, the Japanese electronics maker, reports quarterly financial results.

Glencore International PLC, the Swiss commodities company, reports quarterly financial results.

Friday

Chevron Corp. reports quarterly financial results.

Alcatel-Lucent, the French telecoms equipment maker, reports quarterly financial results.

Source: http://news.yahoo.com/earnings-schedule-week-10-29-2012-191552552--finance.html

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Experts call for increased neonatal inclusion in pediatric drug trials

Public release date: 25-Oct-2012
[ | E-mail | Share ]

Contact: Becky Lindeman
journal.pediatrics@cchmc.org
513-636-7140
Elsevier Health Sciences

Cincinnati, OH, October 25, 2012 -- Clinical drug trials are a vital part of pharmaceutical manufacturers gaining approval for use by the U.S. Food and Drug Administration. A Commentary scheduled for publication in The Journal of Pediatrics assesses the issues surrounding the lack of clinical trials on medications used by children, most notably neonates, and how drug manufacturers and academic researchers could work together to create clinical trials that would benefit this underrepresented population.

Henry Akinibi, MD, and colleagues from Cincinnati Children's Hospital Medical Center and the University of Cincinnati believe that the lack of clinical drug trials for neonates is caused by many factors, including additional regulatory requirements, no adult equivalents of many neonatal diseases to gain a starting point, lack of financial incentives for pharmaceutical companies, and the unique physiology of neonates. As a result, many doctors prescribe adult-approved drugs for children in off-label and unapproved uses; unfortunately, without clinical trials, the safety of this practice often is unknown and could place neonates at risk for unknown complications.

Throughout the years, the federal government has created legislation in an attempt to gather more information on the medications prescribed for children; the Best Pharmaceuticals for Children Act and the Pediatric Research Equity Act were made permanent by Congress in August 2012. These types of legislation have led to over 400 pediatric drug-labeling changes since 1998. Because neonates were addressed in only 6% of these changes, they continue to be at risk for receiving ineffective medications, incorrect dosages, and developing unanticipated complications. Although these new laws now include a requirement that pharmaceutical manufacturers submit plans for pediatric studies at certain times in the drug-approval process (e.g., Phase 2), they do not require a neonatal inclusion. This is important because drawing conclusions from the results of drug trials in older children and applying them to neonates is not ideal and continues to leave this population at risk.

Indisputably, unstudied medications for neonates have played a major role in the positive outcomes and increased viability for infants born prematurely, and, overall, recent laws have resulted in great strides in pediatric trials. However, the neonatal population still lags in inclusion. Of over 120,000 studies at the National Institutes of Health clinical trials repository, only 0.6% involves neonates; in total, only 3.4% of all registered pediatric studies involve neonates. Open communication and cooperative sharing between industry and academics are integral components to ensuring that drugs are safe and effective for all populations. According to the first author of the article, Jason R. Wiles MD, "Inclusion of neonatologists and neonatal pharmacologists in study designs, and early in the drug development process, would make data generated from such studies more relevant and useful."

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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Public release date: 25-Oct-2012
[ | E-mail | Share ]

Contact: Becky Lindeman
journal.pediatrics@cchmc.org
513-636-7140
Elsevier Health Sciences

Cincinnati, OH, October 25, 2012 -- Clinical drug trials are a vital part of pharmaceutical manufacturers gaining approval for use by the U.S. Food and Drug Administration. A Commentary scheduled for publication in The Journal of Pediatrics assesses the issues surrounding the lack of clinical trials on medications used by children, most notably neonates, and how drug manufacturers and academic researchers could work together to create clinical trials that would benefit this underrepresented population.

Henry Akinibi, MD, and colleagues from Cincinnati Children's Hospital Medical Center and the University of Cincinnati believe that the lack of clinical drug trials for neonates is caused by many factors, including additional regulatory requirements, no adult equivalents of many neonatal diseases to gain a starting point, lack of financial incentives for pharmaceutical companies, and the unique physiology of neonates. As a result, many doctors prescribe adult-approved drugs for children in off-label and unapproved uses; unfortunately, without clinical trials, the safety of this practice often is unknown and could place neonates at risk for unknown complications.

Throughout the years, the federal government has created legislation in an attempt to gather more information on the medications prescribed for children; the Best Pharmaceuticals for Children Act and the Pediatric Research Equity Act were made permanent by Congress in August 2012. These types of legislation have led to over 400 pediatric drug-labeling changes since 1998. Because neonates were addressed in only 6% of these changes, they continue to be at risk for receiving ineffective medications, incorrect dosages, and developing unanticipated complications. Although these new laws now include a requirement that pharmaceutical manufacturers submit plans for pediatric studies at certain times in the drug-approval process (e.g., Phase 2), they do not require a neonatal inclusion. This is important because drawing conclusions from the results of drug trials in older children and applying them to neonates is not ideal and continues to leave this population at risk.

Indisputably, unstudied medications for neonates have played a major role in the positive outcomes and increased viability for infants born prematurely, and, overall, recent laws have resulted in great strides in pediatric trials. However, the neonatal population still lags in inclusion. Of over 120,000 studies at the National Institutes of Health clinical trials repository, only 0.6% involves neonates; in total, only 3.4% of all registered pediatric studies involve neonates. Open communication and cooperative sharing between industry and academics are integral components to ensuring that drugs are safe and effective for all populations. According to the first author of the article, Jason R. Wiles MD, "Inclusion of neonatologists and neonatal pharmacologists in study designs, and early in the drug development process, would make data generated from such studies more relevant and useful."

###

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[ | E-mail | Share ]

?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Source: http://www.eurekalert.org/pub_releases/2012-10/ehs-ecf102212.php

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