![]() ![]() In an email to RIJ, New York Life described the logic behind IndexFlex. Annual expense ratios of the variable subaccounts range from 0.37% to 1.06%. The annual mortality and expense risk (M&E) charges (usually how an annuity issuer recovers the commission it paid the agent or adviser) are 1.30%, 1.25% and 1.20%, respectively. The product has three surrender periods-a five-year, six-year, and seven-year term-with first-year surrender charges of 8%. Either way, they can’t lose money if they leave their money in the product for the length of the term. With the flat rate, investors earn exactly 3%, for example, whenever the index shows positive performance. With the capped rate, investors earn the return of the index (the S&P 500 or Russell 1000) up to, for example, 3.5%. Within the index-linked option, policyholders can choose a crediting method with either a “capped rate” or a “flat rate,” aka performance trigger. “The policies offer fewer variable investment options, and fewer optional riders and other features than certain of New York Life’s other variable annuities.” The product offer a limited form of one-stop shopping, “The policies are designed for individuals who want the ability to hold variable funds, index-linked investments and a traditional fixed account in the same contract,” the prospectus says. But the low-yield environment may be giving it no choice but to turn, like so many other life insurers, to options on equity indexes as a source of yield. The product would fits its image and culture like a rodeo bronc at a riding academy. New York Life executives have considered but, until now, always refrained from issuing an FIA. For retirees, the VA value proposition-guaranteed income for life without sacrificing liquidity-still makes a lot of sense. But VAs are still the only vehicle where investors can put almost unlimited amounts of after-tax money for liquid, long-term tax-deferred growth. These companies are bringing their very different VAs to market at a time when sales of the category, aside from registered index-linked VAs (RILAs) have trended downward for several years. “With fixed interest rates as low as they are, and variable annuity sales waning, these companies don’t have a choice but to develop an indexed offering.” “As soon as I read the filing for IndexFlex, my jaw dropped,” said Sheryl Moore, CEO of Wink, the annuity marketing and data service. It’s a bit of a surprise that New York Life decided to dabble in index-linked products, but desperate (low interest) times evidently call for innovation. The hybrid product gives contract owners three risk/return possibilities: fund-like variable subaccounts, a fixed account, an index-linked account. ![]() New York Life’s IndexFlex VA includes the firm’s first index-linked annuity. Schwab’s Genesis VA has an income benefit, for instance, and will be distributed by Schwab advisers and independent RIAs (registered investment advisors). But they’re approaching the product category from very different angles. New York Life is America’s most venerable mutual life insurer, and the top seller of fixed-rate annuities in the US in 2020.īoth are welcoming in the new year with new variable annuity contracts. Schwab is a publicly held direct-to-consumer all-purpose financial services platform. Our insights into the retirement market can help cultivate more effective client conversations and allow individuals to retire with confidence.įollow us if you are a financial professional and want the latest in thought leadership, product news, retirement planning perspectives and tips for growing your business.New York Life and Charles Schwab have little in common. Whether it’s guaranteed income, a lifetime paycheck or growth with protection, New York Life Insurance and Annuity Corporation, a subsidiary of New York Life Insurance Company, offers a suite of solutions designed to help financial professionals create a successful retirement roadmap for clients. New York Life has weathered every storm and continues to serve as a stalwart beacon of strength. The cornerstone of our business is grounded in our guiding principles that never waiver, no matter what the market condition. For 175 years, New York Life Insurance Company has led the industry as a trusted, highly-rated financial institution delivering on its promises to clients. Today’s world demands effective retirement solutions for tomorrow.
0 Comments
![]() Users were able to complete 100% of the tasks in each A/B. ![]()
![]() ![]() Human readable API documentation generator designed to generate a Markdown file that displays the request along with all of its responses. Human Readable provides a generator geared towards human readable exports to send to co-workers as text e.g. Add an "Authorization" header with this dynamic value as value. Paw Extension to allow insertion of a Hawk token in the Authorization header.Ī Dynamic Value that converts an hexadecimal encoded strings to base 64. Paw Extension to import HAR dumps from for instance web browsers (Chrome, Safari.).Ī HAR Generator for HTTP exchanges in Paw ![]() Paw Extension that generates code for Go using the HTTP package. Generate DVR playback files from Paw (for DVR, the network testing library in Swift).Ī dynamic value to generate ECDSA (Elliptic Curve Digital Signature Algorithm) signatures based on the KECCAK-256 algorithm.Ī Paw Extension to generate client code for Elixir using the HTTPosion library.ĭynamic value that uses Faker.js to generate data.ĭynamic value generator based on Faker.js library.Ĭode generator for the FileMaker Platform. Using this dynamic value for header X-CSRFToken allows making POST requests to Django views without getting a 403 error. Returns Django's CSRF token from the Cookie header. Import cURL commands like `curl -X POST /post` Coupang () is the leading e-commerce website in Korea.įill values in environment variables "CLIENT_KEY" and "SECRET_KEY".Ī dynamic value that randomly picks one of the inputs. This is a Dynamic Value Paw extension that is used to insert a JSON that is compressed according to the current valueĪ Paw Extension to generate HMAC Signature for Coupang Wing APIs. Select the proper message storage scheme for Catenis API requests.Ī Paw Dynamic Value that is used to select the proper permission right for Catenis API requests.Ī Paw Dynamic Value that generates random strings, numbers, etc. ![]() Select the proper message encoding for Catenis API requestsĪ Dynamic Value that is used to select the proper message read state for Catenis API requests. E-Commerce Service).Ī Paw Extension to compute AWS Signature version 4 authentication signatures for the accessing the main AWS services including REST APIs build using AWS API Gateway that are protected using IAM.Ī Paw Extension for generating code for the axios JavaScript library (for the browser and Node.js).Ī dynamic value for generating Baidu BCE Authorization signatures.Ī Dynamic Value that converts Base 64 encoded strings to hexadecimal.Īuthentication for accessing Blockchain of Things' Catenis API.Ī Dynamic Value that is used to select the proper message action for Catenis API requests.Ī Dynamic Value that is used to select the proper message direction for Catenis API requests. This project was created to help simplify testing our API with paw, authenticating with Auth0.Ī dynamic value to compute authentication signatures for the AWS Product Advertising API (aka. Import to Paw from API Blueprint API description format.Ī code generator for apiDoc (Inline Documentation for RESTful web APIs) Import your Advanced Rest Client collections to PawĪ Paw Extension to decrypt messages using the AES encryption algorithmĪ Paw Extension to encrypt messages using the AES encryption algorithmĪ code generator for the Apache Benchmark command line tool.Įxport from Paw to API Blueprint API description format. ![]() Save time, money and stress by booking a shuttle from the airport to Breckenridge. ![]() Most DIA to Breckenridge shuttles offer door-to-door service and enough room for skis and luggage. Shuttle Services from Denver International Airport (DIA) to the Mountains Plan to visit on week days or extend your stay to avoid the front-range crowds coming up on the weekends. Local’s Tip: Skier traffic is at its worst going Westbound on Friday afternoons and Eastbound on Sundays.Winter weather and skier traffic can often delay travel, so be sure to always give yourself extra time if you need to catch a flight. Prepare for about a 2 hour drive from DIA to the mountains, and about 1.5 hours if you’re coming from the city of Denver. Once wheels touch down at Denver International Airport, there’s only one thing left separating you from the mountains: the drive! The good news is, there are plenty of mountain shuttles ready to take you up to Breckenridge, so you can ditch the rental car and hitch a ride with one of these airport transportation options to make your travels a breeze. Here’re the ins and outs on how to get around town and make the most of the Breckenridge transportation services available. Breckenridge’s shuttle and transportation systems will help any visitor make the most of their trip. Getting to and around Breckenridge is easy and convenient, due to free transportation options and our easily walkable town. daily.įares can be booked through only is Breckenridge easy to get to, it’s easy to get around once you’re here too! Shuttles will leave DIA for Loveland at 7:55 and 11:35 a.m. Shuttles will run every day from Northern Colorado Regional Airport to DIA at 5:50 and 9:25 a.m. Once they get that clearance, United passengers would be dropped off within a secure gate at DIA. Landline and United are still working the the Transportation Security Administration to figure out a way to screen and secure a busload of passengers as if they had gone through checkpoints at DIA. That means United passengers can book flights and check their bags in Loveland and board the Landline luxury bus for the first leg of the trip. Through a partnership with United Airlines, Landline began offering what it calls "wingless flights" from Loveland to DIA last year. More: Developer Martin Lind seeks to boost international travel at Loveland airport by funding customs office "There's no longer any worry about I-25 traffic, paying for gas/tolls or expensive parking fees" in Denver, Landline CEO David Sunde said in a statement. As an introductory promotion, the first three customers on any Landline trip to and from DIA booked on will pay $3 each through Nov. The Landline fare will cost $29 one way for adults and $10 one way for children under 13. Landline joins Groome as an alternative way to get to DIA. United passengers can check their bags at the Loveland airport through to their final destination. Once at DIA, passengers flying airlines other than United will still have to get their bags and check in at their airline. The new shuttle will operate four times a day beginning Sept. Landline, the company that offers "wingless flights" via United Airlines from Northern Colorado Regional Airport to Denver International, is opening its bus service to any DIA travelers. And if they do not destroy the entire city, their plans are literally doomed to success. The music is a blend of funky urban grooves and exotic. But things happen differently-men work together to find a girl and criminals faster than the FBI. This is the film score to the new Brett Ratner directed movie starring Jackie Chan and Chris Tucker. Janet Jackson was initially approached to record the soundtrack's theme. He's being brought in by Agent Carter, who's going to have to lead him away from the investigation. Rush Hour 3 Soundtrack the original motion picture soundtrack for the movie Rush Hour 3 was released on Augon CD and audio cassette from New Line Records and Columbia Records. soundtrack 'The Bodyguard,' which topped The Billboard 200 for 20 weeks. The appearance of the "Rush hour" hero is really not a fear - small Asian seems to be a hindrance that will interfere with the investigation. He was amazing.' A string of hit singles followed. The Americans are not a very like guest from Asia, and they're trying to get rid of it. Some of these commercial songs are not included on the official soundtrack album but are used in the movie. Note: Below is a complete playlist of all 17 songs that can be heard in the movie Rush Hour 3. And the consul believes that it was they who took the hand to kidnap. Artist: Lalo Schifrin Format: CD New: Available to Order Now, 2-3 days 18.00 18.00 Buy Wish. Rush Hour 3 Soundtrack Each song is provided with a scene description and timestamp, as well as a full-length audio playback. 3.99 standard shipping (estimated) Fulfilled by. Arrives Thu Jun 22 to Tue Jun 27 Shipping. ![]() The FBI was instantly involved in the investigation of its finest officers, but inconsolable father is not enough, he asks his old acquaintance from China to take the case personally, because the Inspector Lee has already encountered a triad. RUSH HOUR: Original Soundtrack CD Status, In Stock Delivery. The kidnappers announced that they were serious, and if they were not given a huge amount of money as ransom, the baby would be killed. 10 630 sales 1 Chris Tucker (2) Never Touch A Black Mans Radio (Skit) 0:16 2 Dru Hill Featuring Redman How Deep Is Your Love 4:11 3 Case And Joe Faded. ![]() There has been a great tragedy in Los Angeles, which threatens international conflict-unknown criminals have abducted the daughter of the consul of China. ![]() Mr Hunka added that Dreslin had previous convictions, but all a long time ago, and nothing of a similar nature. In an impact statement the girl said the incident has left her apprehensive when changing, ever in her own home, and particularly when trying on clothes in shops or at public places such as swimming pools. His desktop computer and a USB stick each had a film clip on them from the camera of the girl in the bathroom.īut when he was interviewed he claimed it had not occurred to him that the camera would capture anyone in a state of undress, and he denied having any sexual motivation. She told her mother what had happened, and when her mother challenged him about it, Dreslin admitted the camera had been there, but denied having any sexual motive.Īfter the police were contacted and he was arrested, Dreslin’s iPhone was examined, and it was found he had carried out searches for spy cameras. Warwick Crown Court (Image: Coventry Telegraph)Īfter she had left, she sent a message to Dreslin telling him how disgusting it was, and at first he responded by denying there had been a camera in the bathroom, but then sent another message apologising. So she moved it to point towards the ceiling. She became suspicious when she saw an air freshener with something black in it – and when she looked, she realised it was a camera pointing towards where she was. Prosecutor Simon Hunka said the girl had gone to the bathroom while she was at Dreslin’s home more than two years ago. He was jailed for 15 months and ordered to register as a sex offender for ten years – and made subject to a restraining order banning him from having any contact with the girl for life. The girl spotted the concealed camera and moved it so it pointed upwards – but not before Declin Dreslin had saved a video clip from it onto his computer.ĭreslin, 43, of Granada Way, Leamington, pleaded guilty at Warwick Crown Court to voyeurism by viewing a person doing a private act and making indecent images of a child. A man who used a camera hidden in an air freshener to record a 13-year-old girl using the bathroom at his Leamington home has been jailed. There is no doubt that the Adobe Acrobat PDF editor sets the pace for PDF editing and is widely regarded as the best PDF editing tool for Windows 10 however, it is considered to be overpriced. You can also add a new image.Įdit link, watermark, header&footer: You can also add clickable hyperlinks in PDF, watermark confidential files, add page numbers, and more. Or click Add Text to add new text.Įdit image: Right-click an image in PDF, you can then have the options to delete, rotate, resize, or replace the image. Navigate to the text that you need to edit and change the existing text. Download this simple PDF editor now.Įdit text: PDFelement will automatically detect all the editable elements in the file. More importantly, it allows you to enjoy a large cloud storage space (up to 100GB) from Wondershare Document Cloud. For example, it can help you edit pdf text, add, remove, extract images from PDF, edit and remove watermarks, background, and so on. In fact, this best Windows PDF editor gives you a complete solution to edit PDF files like never before. It boasts a lot of incredible features which include annotating, editing, and converting PDFs to other formats, adding signatures, and filling PDF forms. Meanwhile, the paid version offers good value for the cost, as it is affordable when compared to other PDF editors. The good thing is that this wonderful PDF editor has a free trial that comes with basic PDF editing solutions. ![]() It is a worthy alternative to Adobe Acrobat, which has been widely regarded as the industry standard when it comes to PDF editing. PDFelement is an outstanding PDF editor for Windows that tops the list. Part 2: TOP Free PDF Editor for Windows 1. ![]() You can choose the right PDF editor based on your need. Also, if you want to use an online PDF editor, here are some options for you below. ![]() It's compatible with Windows, Mac, iOS, and Android systems, and you can try it for free. For example, it helps you add, and delete texts, images, watermarks, backgrounds, forms, and so on. Adding or deleting texts and images for proofreading.įor the above common PDF usage scenarios, it will be easily realized by using a PDF editor, such as Wondershare PDFelement - PDF Editor, an all-in-one PDF Solution, making you can edit pdf files with ease.Making annotations on a project document to provide feedback. ![]()
![]() While the traditional seating arrangement has typically been a row of stools on one side facing the cooking area, some homeowners on Houzz are seeking alternative setups to accommodate a variety of needs, such as the ability to sit face-to-face with guests or sit at a standard dining table height. Some pros say supply chain issues during the pandemic helped spawn the trend by forcing homeowners to look locally for antiques and recycled, repurposed or reupholstered pieces with whimsical details and a pretty patina.Ĭasual seating is just one of many appeals of a kitchen island. Think of it as a traditional style returning in a fun way. In light of many homeowners embracing bright color, wild wallpaper and layered looks, many pros are seeing a maximalist décor style take hold, specifically a perked-up traditional look that combines vintage pieces with lots of upbeat pattern and wall coverings. Houzz is seeing a lot of designers layer wood, rattan, stone, metal finishes, concrete and various textural fabrics in one room to create a dynamic style that’s full of visual and tactile interest. One phrase that has come up again and again in conversations with design professionals from the Houzz community is “layered texture” in décor, wallpaper, materials and accessories. Think delicate greige or off-white cabinets, light woods, muted tile, subdued patterns and warm bronze and brass finishes. While pros say a desire for bold color is extending into some kitchens, many report that a lot of homeowners are asking for a warm and soft style that’s restful and relaxing. Searches were up for paintable wallpaper (93%), chinoiserie wallpaper (71%), floral wallpaper (52%), ceiling wallpaper (40%), Art Deco wallpaper (33%) and dog wallpaper (46%). On Houzz, search trends show a rise in interest in wallpaper in 2022 compared with 2021. Wallpaper is helping fuel the rush to color, with many homeowners using wild patterns and colors to add pop and personality. These days, homeowners seem more adventurous and willing to take a chance on creating brighter, more vibrant spaces. The shift away from mostly neutrals and whites is something many pros attribute to the pandemic. Natural stone fireplaces and surrounds, wood beams and off-white walls mix with comfortable furnishings in organic whites, browns and beiges to create an updated look that feels anchored to a rural past.Ī renewed interest in bright and bold color is one of the most-reported trends Houzz is hearing from design and remodeling professionals. ![]() In living rooms, among the Houzz community, demand for natural materials is leading to a modern rustic style that’s both rugged and cozy. ![]() Meanwhile, a focus on wallpaper prints that recall nature are also helping homeowners feel connected to the outdoors. Adding large windows can maximize views to outdoor spaces and bring in tons of natural light in a less expensive way than fully glazed walls. But many pros on Houzz are helping homeowners find more affordable ways to bring the outdoors in. Sliding glass doors that completely open interior spaces to outdoor areas are at the top of many dream features lists. Some designers on Houzz say the surge of interest in natural materials is a result of homeowners rethinking manmade materials like engineered quartz that have dominated homes in recent years and instead are gravitating to natural materials.įor years, homeowners have craved deep connections to outdoor spaces, with 20% of homeowners making their kitchens more open to the outdoors post-renovation (source: 2022 U.S. In particular, homeowners in the Houzz community are installing quartzite and other natural stone countertops, as well as marble tile and wood cabinets and vanities, especially white oak. ![]() Natural materials seem to have hit a high point in popularity, according to Houzz. Inclusion criteria were review articles of BG accuracy, original articles that reported the performance of blood glucose meters in laboratory settings, original articles that reported the performance of blood glucose meters in clinical settings, and simulation modeling of BG. Titles and abstracts of identified citations were screened, and articles were identified as eligible based on the following criteria. Also discussed are differences between what level of accuracy is needed for appropriate analytical performance and appropriate clinical performance and why different settings might require different levels of accuracy. This article reports on the review of the published literature to provide information on current blood glucose monitor performance. The authors undertook an analysis of the literature to understand the performance of blood glucose monitors in the real world. There is currently a lack of consensus on the performance standards for blood glucose monitors and whether target values of an expanded ISO 15197 standard would be appropriate. ![]() To our knowledge, an internationally accepted reference method for the determination of whole BG concentration does not exist. 1 The term “accuracy” as applied to analytical performance is defined by the International Organization for Standardization (ISO) as “the difference between the expectation of measurement results and the true value of the measured quantity.” In essence, it is a measure of the difference between obtained results (by the blood glucose monitor) and the true value (determined by an accepted reference method). Considerations for improving the accuracy of glucose monitoring systems emphasize technical improvements and improved patient education to decrease user error. ![]() The overall performance of self-monitoring of blood glucose (SMBG) systems is a combination of the analytical performance of the instrument, quality of the test strips, and proficiency of the user. When performed and utilized properly, monitoring of blood glucose (BG) permits people with diabetes to determine their BG level and use the information as part of their treatment program. ![]() Most Popular CRCUSD (Costa Rican Colon to US Dollar) conversionsġ000 Costa Rican Colon = 1.8502 US DollarĢ000 Costa Rican Colon = 3.7004 US Dollarĥ000 Costa Rican Colon = 9.2511 US Dollarġ0000 Costa Rican Colon = 18.50 US DollarĢ5000 Costa Rican Colon = 46.26 US Dollarĥ0000 Costa Rican Colon = 92.51 US Dollarġ00000 Costa Rican Colon = 185.02 US Dollarĥ00000 Costa Rican Colon = 925. Costa Rican Colon (CRC) to same region currenciesġ950. According to our data, USD to CRC is the most popular Coln exchange rate conversion. USD = 35,860 ZAR (South African Rand)Ĭonvert 1950. FACT 1: The currency of Costa Rica is the Costa Rican Coln. USD = 1,527 GBP (British Pound Sterling)ġ950. USD = 14,000 CNY (Chinese Yuan Renminbi)ġ950. CRC = 66.35 ZAR (South African Rand)ġ950. CRC = 2.8245 GBP (British Pound Sterling)ġ950. CRC = 25.90 CNY (Chinese Yuan Renminbi)ġ950. Costa Rican Colon (CRC) to major currenciesġ950. Bureau of Engraving and Printing is the printer. Federal Reserve System is the central bank. ![]() Also, Washingtons, Jeffersons, Lincolns, Jacksons, Benjamins, Grants, and Hamiltons are used based on denomination also peso in Puerto Rico, and piastre in Cajun Louisiana. Plural: dough, bread, bones, simoleons, clams. About US Dollar (USD)The US Dollar (Sign: $ ISO 4217 Alphabetic Code: USD ISO 4217 Numeric Code: 840 ), also referred to as Buck, bean, paper, dead president, smacker, and greenback. Central Bank of Costa Rica is the central bank. Click on the "Group converter" link to convert a group of numbers all at one time.Ībout Costa Rican Colon (CRC)The Costa Rican Colon (Sign: ₡ ISO 4217 Alphabetic Code: CRC ISO 4217 Numeric Code: 188 ) There are 2 minor units.The coins are 5, 10, 25, 50, 100 and 500 colones, while the bank notes are 1000, 2000, 5000, 1000 colones.Click on the link "Swap currencies" to convert from US Dollar to Costa Rican Colon.Click on "US Dollar (USD)" link to convert US Dollar to all other currencies.Click on "Costa Rican Colon (CRC)" link to convert Costa Rican Colon to all other currencies.Only enter the numbers, any other characters or seperation marks will be trashed, in the box to the left of Costa Rican Colon (CRC), then click the "Convert" button.This Costa Rican Colon to US Dollar currency converter is updated with real-time rates every 15 minutes as of Jun 22, 2023.Costa Rican Colon = 3.6079 US DollarĪs of Thursday, Jun 22, 2023, 08:26 PM GMT |