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sjsmith56 · 1 year ago

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The 107th - Part 4, From There to Here - Bucky Barnes One Shots

Summary - The 107th get their final leave before shipping off to Europe. Told from the POV of Corporal Dum Dum Dugan it recounts his time off, then reunion with Sergeant Barnes before the rest of the unit arrives. It picks up again on their arrival in Italy, leading to the unit’s capture by HYDRA, and rescue by Captain America.

Characters - Bucky Barnes, Dum Dum Dugan, Gabe Jones, Falsworth, Dernier, Morita, Colonel Lohmer, Dr. Arnim Zola, Steve Rogers.

Length - 4.5K

Warnings - Fears of marital infidelity, capture by enemy, reference of “Limey” about a British officer, violence against POWs, retaliation against sadistic officer, death of character.

Author notes - As in the previous one-shot Dum Dum Dugan and Gabe Jones are part of the 107th Infantry Unit. Although this series of one shots are primarily about Bucky Barnes, I have a fondness for Dum Dum Dugan and decided to include a little personal scene involving him, his wife and his boys. The scenes in the factory of Barnes, Dugan, and Jones after being captured are based on a digital comic book titled Captain America: First Vengeance by Fred Van Lente.

<<Part 3

〰️〰️〰️

Sarge came into the barracks hut at Camp McCoy on the morning of June 4, 1943, brandishing a set of papers, one for each of us. Gabe and I looked at each other and figured this was it, our marching orders had come in. Over a year's worth of training had made us a well oiled unit of fighting soldiers and now we were declared ready to join the fight in Europe.

"A Company," yelled Sarge. "Gather around." He waited while everyone in the hut got close. "The Lieutenant is at Division and has charged me with giving you the good news. We have our orders. Tomorrow morning, at 08:00 you are officially on leave. You may go home, see your wives, or your girlfriends, or your wives and your girlfriends, your folks and anyone else special to you. If you're planning on having kids make them now boys, because it will be a while until you're back. Maybe get married first before you do. Make sure you have filled out your beneficiaries on your life insurance form. You can give them to me right up to our embarkation date. On Saturday, June 19 most of you are expected to report by no later than 15:00 at Fort Hamilton, Brooklyn. There you will receive your kit and await the call for transport to a port in the United Kingdom. Everything you need to know is in your travel orders which I have right here for you."

He began calling out names and handed out the letters one by one. I received mine and looked at the top line. Travel orders for Dugan, Timothy C. A., Corporal, Serial number etc. I looked at the date where I had to report back and noticed it was different from what the others were told.

"Hey, Sarge, why do I have to report back on the 15th?" I asked.

Those big baby blues fixed their gaze on me. "Because some of us have to be back early, like me. I have to be back on the 12th, all corporals on the 15th. I didn't write the orders ... I just obey them."

"My wife isn't going to be so happy with only ten days," I replied.

"Times are tough, Dugan," he retorted as he kept handing out papers. "I have about a dozen girls that I'm supposed to see in seven days. Might have to double them up. Stewart!"

The Sarge had a reputation as a ladies' man, which I had actually seen proof of in Sparta. He went through the girls of that town like a man on a mission although he made good friends with a couple of them, like Miss Warren. She was a real sweetheart, didn't seem to mind that he dated other broads. He always treated her right and with respect. She wasn't like some of the cookies he went out with. Come to think of it he had weekend liberty that week before our orders came in, and when Gabe and I went to the store to say hi to Miss Warren they said she had the weekend off. We wondered if he took her away, but we always thought she was too smart to fall for Sarge's lines. Still ....

"Dugan," said Gabe. "What are your plans for leave?"

"I'm sure my wife has a list a mile long of things for me to take care of," I replied. "You?"

The handsome black man smiled. "I'm hitting the jazz clubs," he said, "Been too long since I heard some good music. Then I'm going to fill up on as much of my Mother's and Aunty's food as I can. Would have been nice if the Yankees were in town."

I laughed. "Why you cheer for those losers I'll never know. You're as bad as Sarge and his Dodgers. Red Sox, now there's a team."

Other guys got in on the conversation over who the best baseball teams were. I saw Sarge smile as we jawed at each other. As long as it didn't come to a standoff or blows he didn't care if we poked harmless fun at each other. If things did get out of hand Sergeant James Barnes was pretty good at breaking it up. I guess he would be, having been a YMCA welterweight champion three years running. That's where I first saw him, fighting a buddy of mine on the undercard as an amateur in 1941, before Pearl Harbor. Sarge was good, maybe could have turned pro if not for the war. When I first met him at Camp McCoy I told him about seeing him fight. We had good talks about Joe Louis, Buddy Baer, and Billy Conn among other boxers of the time.

Early the next day, after morning chow, the three of us, me, Gabe and Sarge, headed out for the bus to the train station in Milwaukee with our duffel bags and travel orders. There was a lineup of guys kissing their girls goodbye. I guess Sarge must have done most of his goodbyes already as only Miss Warren was there for him, and they gave each other a rather tame hug, then he did kiss her, kind of sweet like. She waved at Gabe and me, then left as she had to be at the store for opening. We got into Milwaukee an hour later and boarded the train right away, finding our spot together, as we knew there would be an issue about Gabe riding with us. Sure enough the conductor came and said there was a car for Gabe's type further along. Sarge just looked straight at the man.

"According to the United States Army Corporal Jones is white," he said. "He stays with us. You have a problem with that you take it up with the United States Army."

Gabe, who was sitting by the window, let Sarge handle it and he just stretched his legs out so they covered the aisle seat next to me, then pulled his cap down over his eyes. When another conductor came to try his luck at getting Gabe to move Sarge just pushed his cap up and gave him that intense blue eyed gaze he gave anyone who was messing with him.

"Private Jones is in this unit, and I believe this car as well as several others have been reserved for our unit, 200 soldiers, in fact. If he moves, we all move with him. You able to squeeze us all into a single car?"

That shut the conductor up. Of course, we went through the same thing again when we transferred in Chicago but Sarge wasn't having any of it and we were soon on the train for the long overnight trip to New York. When we pulled in at 08:00 into Grand Central Station I wasn't expecting my wife and kids to be there but I was surprised to see my neighbour, Mr. Santucci. He waved at me and was quite excited.

"Timothy, I'm glad you're here," he said. "Come, I'll take you home. There's something I need to tell you."

Well, this couldn't be good. We got out to the street and he flagged a taxi, a taxi, can you believe it? He gave the address of our building and then sat back.

"Your wife, Kathleen, she kept a little secret from you since you were last here," he said. "She didn't mean to. She meant to tell you in person when you were supposed to be on leave the last time. I told her she should write about it but she said it was something that should be said in person."

I rolled my eyes. My leave got cancelled the last time about six months ago after Sarge, Gabe, and I squared off against a few soldiers from the south who took exception to Gabe's presence in our midst. We all got our leaves cancelled as punishment but the guys from the south got recycled, had to restart their boot camp from day one. I wondered what could have been so important that Kathleen had to tell me in person and then it hit me. I looked at Mr. Santucci. He nodded.

"You have a son," he said. "Looks just like you, born two months ago. He'll be a big boy, just like your other two."

I said three Hail Mary's right there in the cab with Mr. Santucci sitting right next to me saying them as well then I looked at him.

"You're not lying to me are you, Mario?" I asked. "He's my boy?"

"No doubt about it," he replied. "Your wife is sick with worry that you wouldn't believe her, so I said I would come for you and explain it all. You know how some women get when they're full of child. It's like their brain gets all fogged up and they can't think straight."

That did sound like Kathleen. When she was pregnant with our first she took the subway to Yonkers and didn't know why. Took her all day to get back. With our second she went to the grocers and came back with a case of bananas, said it was too good a deal to pass up. We shared them with everyone on our floor so they didn't go bad but Kathleen did do strange things when she was pregnant. Until I saw her and the baby I didn't know what I was going to say or do.

Finally, we pulled up in front of the apartment building and I swallowed as I stood there looking up at the front of it. Three kids in that small apartment. Mr. Santucci patted me on the back and opened the front door for me. As I went up the stairs, I was aware of several of the tenants opening their doors after I passed. Did the whole damned building know? Finally, I arrived at our door and knocked, as I left my key behind when I went to boot camp. There was the sound of a baby crying and I almost burst into tears hearing it. Then the door opened, and I saw my Kathleen standing there, her face fearful but just as beautiful as it had been eleven months before when I last saw her. Two little shadows rushed out from behind her and grabbed my legs, my older boys, Tim Jr. and Danny. After kissing them and letting them have their way with me I looked at the babe that Kathleen was holding, and she put him in my arms.

He was definitely my boy, from the Dugan red hair, to the chubby cheeks and clenched fists that reached for me. Even if he wasn't my boy I would have loved him because he was so perfect and I loved his mother so much. When I kissed him she began to cry and I had to put one arm around her. Mr. Santucci, who had been standing in the doorway smiled and left, closing the door behind him.

The next ten days passed much too quickly as I played with the boys, helped look after little Liam, as Kathleen had named him after my grandfather, then had tender times with my wife that may or may not have put her in the family way again. Before I left I made her promise that if she was carrying another baby to write me about it. Before I left, just after lunch on June 15th I kissed her softly, as tears fell from her green eyes, and I touched her dark hair before enclosing her in my arms. I kissed all three of my boys and then I carried my duffel bag with me to the train station and got on the train to Brooklyn, where there was a regular bus that ran between the station and the base at Fort Hamilton. I didn't know then it would be several years until I saw her, our three boys and our daughter Bridget.

After I reported in I was directed to the barracks assigned to our unit. Sarge was already there going over paperwork. He took a stack of papers and shoved them across the desk to me.

"Put these in order by date," he said. "The clerks here have their own system. I had all the requisitions in, signed by the Lieutenant and everything and they brought them right back to me, date first, then requisition number."

"Hello to you too, Sarge," I said. "How was your leave?"

"Not long enough," he said. "Had to date two at a time. You?"

"I have another child," I said bluntly. "Kathleen was pregnant from my last leave, wanted to tell me in person but my leave six months ago got cancelled, and she didn't want to put it in a letter."

Sarge howled. "So, what is it?"

"A boy, Liam, looks just like me. She might already have another one starting but she promised if she is she would write me."

"How old is the oldest?" he asked.

"Four."

He howled again. "You're a cruel man leaving your wife with that many young babies."

"She's a good mother," I said defensively. "The neighbours are good. They'll watch out for her. My mam had me at 17, then three more before she was 21 and she was a good mother."

Sarge just shook his head and grinned. What did he know? He was a bachelor and doll dizzy. Our other corporal, Tommy Malone arrived and Sarge pushed a bunch of requisitions towards him to put into order. Took us another hour but we finally got them organized like the clerks wanted and Sarge submitted them. The day our company arrived they would line up at the quartermasters office and receive all their bedding and towels. The day after they would get their kit, rifle, sleep roll, cooking kit, medical kit, everything we would need when we were finally mustered and ready to be shipped out to our destination.

"Do we have our ship assigned yet?" I asked.

Sarge smiled. "The Queen Mary," he said. "They're sending us in style to Scotland, leaving on the 24th. We'll be training before we go."

He wouldn't be so happy when we boarded. They packed over 15,000 troops on that ship plus over 900 crew. They had beds stacked three high in every part of that floating transport. Even the officers had to share although they were only two or three to a cabin. Although it was June the seas were stormy and by the time we arrived in Gourock, Scotland, half the complement were almost dead from sea sickness. When we disembarked in Scotland, we boarded a troop train that took us from the port, through Glasgow and down to an army base near Manchester. We had a couple of days there then another sea journey from Liverpool to Algeria where we transferred to another ship that took us to Sicily. The Mediterranean was calmer but by then most of us were just plain worn out and only barely recuperated when we arrived in mid-July.

We did our best and made good headway when we landed in Sicily in July and took the island just a few weeks later, leading to the ouster of Mussolini. When the British landed in southern Italy shortly after the Americans landed to the north, hoping to encircle the Germans and fascist Italians that were still loyal to them.

We chased them to a place called Azzano in northeastern Italy in October 1943. The fighting was brutal, and we lost the Lieutenant, leaving Sarge in charge. Surrounded by enemy mortars he ordered Gabe to call in B Company for support. Before Gabe could do that, we came under attack and the damnedest thing happened. Suddenly we saw these blue flashes coming out of the dark, hitting the Germans and just ... disintegrating them into thin air. Within seconds all the Germans were taken out. We watched as this tank we had never seen the likes of come over a hill, shooting these pulses of blue lights at the German line in the far distance. In awe, we just stood watching it unfold in front of us then suddenly the tank aimed its cannon at us and began firing. Taking cover as best we could in the craters left by the mortar blasts we huddled there, hoping to hell that this wasn't to be our last day on Earth. Then the flashes stopped, and we were surrounded by troops built like machines, dressed in black armour holding these strange rifles on us.

"Aufgeben," yelled the one closest to us and we looked at Gabe.

"They want us to surrender," he said.

Sarge raised his hands. "Tell them we surrender. What choice do we have? We can't fight against those guns."

As we assembled Sarge told me to estimate a head count. As best I could tell there were well over a hundred of us. Whether the rest were dead or had escaped from the rear I couldn't tell. We were marched to an area a couple of miles away and loaded into trucks. Then we were transported for some time before the trucks were stopped and we were ordered out. Sarge didn't look well and we closed ranks around him, knowing that a weaker POW could be subjected to cruel punishment by the guards. They herded us into this building then forced us into an area full of different cells. They stuck me, Sarge and Gabe in a cell with a Limey officer and a Frenchman. I made a joke, not a good one, I admit, and the Limey took offence at it. Well, my people are Irish and I wasn't too fond of the British just because of that and we pushed each other. I have to admit that he wasn't scared of me, even though I must have outweighed him by 50 pounds, but I still got a few licks in before Sarge ordered me and Gabe to stand down. The Frenchman said something and Gabe laughed, then answered in French. It surprised the man and he stood up, offering Gabe his hand.

"I'm Dernier, Jacques Dernier, French resistance," he said, in his heavily accented voice.

Gabe looked to Sarge who nodded his approval and he introduced us. Then the British officer stood up.

"Major James Montgomery Falsworth," he said. "3rd Independent Parachute Brigade of the British Army. My apologies to you Corporal, for being overly sensitive to your joke. These soldiers are not the usual Nazi vermin we're used to dealing with. They're worse and they have treated us like cattle. It has stressed us immensely."

I nodded my acceptance of his apology. "I'm sorry, sir," I replied. "We have to work together against these guys, not fight amongst ourselves."

"Where are we?" asked Sarge.

"Somewhere near Kreischberg, Austria," replied Falsworth. "This is a HYDRA facility. As near as we can tell they were Nazis and now they're worse, looking at Nazis as if they're substandard. The commanding officer is a sadist named Colonel Lohmer. Try to avoid his notice. He has killed several men just for displeasing him."

That was easier said than done when we were forced to begin working the following day. No work, no food was what we were told. Sarge, who hadn't been feeling well for some time could barely get up but he did and was assigned a job of moving carts of munitions from one spot to another. He collapsed while pushing the heavy cart and fell against the munitions, causing some of them to fall. Lohmer was right there and laid into the Sarge, beating him continually while the man didn't even have the strength to defend himself. I could feel my hands curl in frustration at witnessing the savagery of the Colonel. Finally, he stood up, gave a final kick to the Sarge's side and walked away, ordering Lieutenant Kleiber to see to the mess. Kleiber motioned to me and Gabe to pick Sarge up and take him to the cell. Gabe examined him as best he could and determined Sarge had broken ribs. He also had a rattling cough.

"Sounds like pneumonia to me," said Falsworth, standing nearby. "Kleiber isn't so bad. He would let your Sergeant recuperate before sending him out to work but Lohmer would just as soon see him die on the work floor. We need to take Lohmer out and I think I know how."

While we returned to our workstations we looked for a certain substance, it was sticky and if left long enough on a metal surface would weaken it. The Major, Gabe and I found some, brought it to Dernier and when no one was looking he applied it to the chain attached to a crane carrying bins of scrap to be melted into munitions. All night that stuff sat on the chains and the guards were none the wiser. In the morning, Lohmer ordered Sarge to work. Gabe and I helped him up. I never knew a man who could tolerate as much pain as Sergeant James Barnes could. Even though every step was agony for him he refused to show weakness in front of Lohmer. He loaded scrap metal into a large bin. When it was full Lieber ordered the crane to lift the bin up. We all stood back, knowing the chains were weakened. As the bin rose up high Lohmer walked under its path just as a part of the chain broke, dropping the bin right on top of him. All of us POWs cheered when the son of a bitch was crushed, then the guards herded us back into our cells. Again, Gabe and I supported Sarge while he stumbled back.

"You don't have to worry Jimmy boy," I whispered to him. "Lohmer won't hurt you again."

"Bucky, my name is always Bucky," he mumbled. "No one calls me Jim, or James."

"Alright, Bucky, we got you," I said, as Gabe and I laid him down on the floor of the cell.

We were there for hours while the guards and Lieutenant Kleiber investigated the "accident" as they finally determined it to be. When we got our food, Gabe and I took turns feeding the Sarge. The next day Kleiber agreed that Sarge was too sick to work and he was allowed to stay in the cell. Even though he rested he seemed to get sicker and sicker over time. Several days after Lohmer died a scientist showed up, a little guy with glasses. Apparently he was now in charge. At least he didn't order any beatings, but there was something about him that gave me chills, especially when he noticed Sarge. His second day there he showed up at our cell with Kleiber.

"This man, on the floor, why hasn't he been working?" he asked.

"We think pneumonia, plus several broken ribs courtesy of your predecessor," said Major Falsworth.

The scientist turned to Kleiber. "Why was he not sent to me sooner?" he asked. "I am a medical doctor as well. I have treatments for pneumonia. Bring him to me."

"Yes, Dr. Zola," saluted Kleiber. "Immediately. Guards!"

He signalled to several guards and one motioned us back with his gun while the other two took the Sarge between them. He tried to struggle but there was no strength left in him at all. I was angry and upset. Grasping at the bars I yelled at them.

"Don't you kill him, you dirty bastards!"

The doctor, almost out of the room turned back and walked towards me several steps. What he said chilled me; not just the words but the way he said it.

"I have no intention of killing your Sergeant. Whether he survives the treatment is up to him. If it works it will be a new day in science and your Sergeant will never be sick ever again."

With a smile I can only describe as twisted the doctor left with the two guards carrying the Sarge behind him. For the next few days we heard nothing, except there was another man in charge, an arrogant SOB called Schmidt who upped the production limits for everyone. Even Kleiber wouldn't say anything about Sarge, and both Falsworth and Dernier shook their heads, saying it was likely that Sarge was dead. Neither Gabe nor I were going to let his death go unpunished and we talked together about taking on the guards and getting one of those fancy rifles in our hands. We knew it would likely end up with our deaths and although I was worried about leaving Kathleen a widow with four babies to look after alone (she had written that our last time together had produced another pregnancy) I wanted to die fighting, not as someone's slave.

One night we were sleeping in our cells when the guard on patrol above us suddenly fell over, knocked out. Some guy, wearing a leather jacket, a toy helmet, and carrying a toy shield took the keys to our cell out of the guard's pocket.

"Who are you?" asked Gabe.

He looked around, shrugged, and said, with a Brooklyn accent, "Captain America."

Then the guy jumped down, proceeded to unlock our cells, and asked about Sergeant James Barnes. Falsworth told him he was likely in the isolation unit. The "Captain" told us where the tree line was, to wait there for him, to raise some hell along the way, and he took off towards the unit where Sarge likely was. We all looked at each other and did what we were told. We hit them hard, took their weapons, found grenades, found their fancy tanks with the blue flash cannons and gave them hell.

When we reached the rendezvous point Captain America wasn't there but shortly after the whole factory went up and we wondered if he made it out. We shouldn't have worried because he showed up with Sarge and we found out that this guy was his best friend from Brooklyn who disobeyed orders to drop behind enemy lines and rescue us. Cocky little guy, little to me, anyways. Sergeant Barnes couldn't keep his eyes off of him, as if this guy had undergone some big transformation. Whatever it was, he had moxie, and there were several of us that kind of liked his style of fighting. Oh, and Sarge? I don't know what that Nazi doctor did to him but he was better and his ribs were apparently healed. It was a miracle, as was our rescue. For those of us who stuck with Captain America, it was the beginning of some incredible missions.

Part 5>>

Series masterlist

#bucky barnes #bucky barnes fanfiction #ww2 bucky #steve rogers #dum Dum Dugan #Gabe Jones #hydra #Armin Zola

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semmarketresearch · 2 days ago

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Final Expense Insurance Market Competitive landscape, Key company profile analysis and Opportunities 2032

The Final Expense Insurance market has witnessed significant growth over the years, reflecting an increasing awareness among consumers about the need to manage end-of-life expenses efficiently. As of 2022, the market size was estimated at USD 5.84 billion, and it is projected to grow from USD 6.11 billion in 2023 to a substantial USD 9.2 billion by 2032. This growth trajectory represents a Compound Annual Growth Rate (CAGR) of approximately 4.64% during the forecast period from 2024 to 2032.

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Several factors are driving the steady growth of the Final Expense Insurance market:

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Rising Funeral Costs: Funeral costs have been steadily increasing, making it more challenging for families to afford these expenses out of pocket. Final Expense Insurance offers a way for individuals to preemptively manage these costs, providing peace of mind for both policyholders and their families.

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Regional Insights

The Final Expense Insurance market is experiencing growth across various regions, with North America leading the charge. The United States, in particular, is a significant market due to its large aging population and the high cost of funeral services. In Europe, countries with aging populations, such as Germany and the United Kingdom, are also witnessing increased adoption of final expense insurance products.

In emerging markets, such as Asia-Pacific and Latin America, the market is still in its nascent stages but is expected to grow rapidly as awareness of end-of-life planning increases and the insurance industry expands.

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#Final Expense Insurance Market

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outlawqueen2016 · 2 months ago

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Colonizer Culture

Colonizer culture is the culture of the terrorist organizations which have plagued this world, and the next, for centuries.

Colonizer culture is not limited to a specific racial group, ethnicity, gender, or location.

Colonizer culture is the embodiment of the New Testament; celebrating perversions and the absolute refusal to acknowledge the boundaries of healthy, respectful interactions.

The colonizer was such a menace to society that they were pushed from their homes and ostracized from their native culture, wherever that may have been. Thus, they travel the world in search of a place to call home; where they can be exactly who they are, without a fuss.

The colonizer eventually finds a new place to settle; a place where nobody knows their name, their history, or their lineage. In this way, the colonizer has a fresh start for themselves.

However, it was their culture of undisciplined self-gratification which led to their exclusion and eventual banishment from their native lands; the culture they bring with them.

This culture is then imposed on the native peoples of the new found land they have decided to inhabit. With the colonizer, it has always been “Join me or die.”

The decision has already been made by the time the ultimatum has been issued to the survivors of the incestuous plague; which the colonizer manufactures at home, then spreads publicly. This specific plague creates desert, from which no vegetation may grow, leading to famine.

The colonizer has no respect for morality; choosing to steal by paying less than the asking price and stealing what they could not afford, lying when caught by eye witnesses.

The colonizer invents positions of power and authority with which to abuse and control the native peoples. For example, the colonizer had profited from their lack of morality and sought to enforce their superiority with law enforcement; ensuring their thievery would go unpunished.

In this way, the colonizer never suffers the repercussions of their direct actions. From their positions of power and authority, they control resource distribution; causing those who exerted effort in order to grow food to be the ones who starve the worst.

This weakens the native population, insuring they are easier to control through the threat of physical violence; as the prudent native people chose to reserve their energy for cultivation of food, as opposed to outright rebellion.

To have been colonized is to have your life change for the worst, with no reasonable, forthcoming explanation.

It is to have your past erased; to have your present unstable; and to have your future uncertain.

It is to have your language changed, so gradually that you do not notice, until you speak to those who are isolated; only to find they do not understand you.

It is to have your culture vilified and degraded; turned into a caricature of the vibrancy it once was.

It is to have your morality slip, centimeter by centimeter, until the ideals you once embodied are foreign.

It is to refuse to expend effort because there is no advancement in society when the colonizer reigns.

It was less than two hundred years ago when the colonizer, as the federal government of the United States, under the Indian Removal Act, as signed by President Andrew Jackson, committed genocide on the civilized tribes of North America. The death toll is insurmountable as the children who survived the genocide were raised in concentration camps, known as reservations or Indian territory, and farmed for the pedophile circuit.

For example, the Kingdom of Hawaii experienced colonization less than two hundred years ago; in which our history, culture, traditions, language, and dance were outlawed. Over a few short decades, the bourgeoise class pushed their way into the monarchy.

Let that sink in.

After a few short decades, it was no longer the ali’i, it was the monarchy.

The final Queen of the Kingdom of Hawaii, Li’liuo’kalani, was married, on paper, to an inbred, sonsband, John O. Dominis; meanwhile John O. Dominis remained faithful to his mother, Mrs. Laurie Dominis. It is from the true born Dominis line, that is to say true bred as according to the New World Order, which Anastasia Dominis made her claim to the Kingdom of Hawaii, as a true born heir.

Li’liuo’kalani, the last Queen of the Kingdom of Hawaii, is known today as Lilo O’Niele, the biological grandmother, two generations removed, from Nikia O’Niele, Queen of the Kingdom of Hawaii Nei.

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shosiblog · 2 months ago

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Can I Calculate My Maternity Pay? A Simple Guide

Maternity pay is an important aspect of maternity leave, providing financial support as you prepare for and adjust to life with a newborn. Understanding how to calculate your maternity pay can help you plan your finances and ensure you are aware of the benefits you are entitled to. In this blog, we will guide you through the process of calculating your maternity pay and provide a step-by-step guide on writing a maternity leave application. For detailed assistance on crafting your application, read on.

How to Calculate Your Maternity Pay

1. Understanding Your Maternity Pay Components

The calculation of maternity pay depends on several factors, including your country’s regulations, your employer’s policies, and your earnings. Here are the main components to consider:

1.1 Statutory Maternity Pay (SMP)

In many countries, statutory maternity pay (SMP) is provided based on a set formula. Here’s a general overview:

United Kingdom: SMP is calculated as follows:

First 6 Weeks: 90% of your average weekly earnings (AWE) before tax.

Next 33 Weeks: Paid at a flat rate of £172.48 per week (as of 2024) or 90% of AWE, whichever is lower.

1.2 Employment Insurance (EI) Benefits

In Canada, maternity benefits are provided through Employment Insurance (EI). The calculation is generally:

Maternity Benefits: 55% of your average weekly earnings, up to a maximum amount set by the government.

1.3 Paid Parental Leave

Countries like Australia offer paid parental leave that is calculated based on:

Government Scheme: Up to 18 weeks at the national minimum wage (approximately AUD $812.60 per week as of 2024).

1.4 Company-Specific Benefits

Many employers offer additional maternity pay beyond statutory requirements. This can include:

Full Salary Pay: Some companies provide full salary payment during maternity leave.

Enhanced Leave Packages: Additional weeks of paid leave or supplemental payments.

2. Steps to Calculate Your Maternity Pay

2.1 Determine Your Average Weekly Earnings

Calculate your average weekly earnings over a specified period, typically 8 weeks, leading up to your maternity leave. Include all relevant earnings such as bonuses and overtime.

2.2 Apply the Relevant Percentage or Flat Rate

Apply the appropriate percentage or flat rate to your average weekly earnings to determine your statutory maternity pay. For instance:

UK SMP: First 6 weeks at 90% of AWE, followed by 33 weeks at the lower of £172.48 or 90% of AWE.

2.3 Factor in Additional Benefits

If your employer offers additional maternity pay or if you are eligible for enhanced benefits, include these amounts in your calculation.

2.4 Use Online Calculators

Many countries and organizations offer online calculators to help you determine your maternity pay. Check government or employer websites for available tools.

Example Calculation (UK):

Average Weekly Earnings (AWE): £600

SMP for First 6 Weeks: 90% of £600 = £540 per week

SMP for Next 33 Weeks: Flat rate of £172.48 or 90% of £600 = £540 per week (whichever is lower, so £172.48 applies here)

How to Write a Maternity Leave Application: A Step-by-Step Guide

To ensure a smooth transition and receive your maternity pay, a well-written maternity leave application is crucial. Follow these steps to create an effective application:

Step 1: Address the Letter Formally

Begin with a formal salutation, addressing your direct supervisor or HR manager. Use “Dear [Supervisor’s Name]” or “To Whom It May Concern.”

Step 2: State Your Request

Clearly state that you are requesting maternity leave, including the start date and expected duration. Mention your understanding of the maternity pay you will receive, if applicable.

Step 3: Provide Relevant Details

Include your expected due date and any relevant details about your leave. Explain how you plan to manage your responsibilities or transition your work before your leave begins.

Step 4: Offer Assistance

Show your willingness to assist with the transition, such as training a temporary replacement or preparing handover notes.

Step 5: Include Contact Information

Provide your contact details in case your employer needs to reach you during your leave. Specify your preferred method of contact.

Step 6: Close Professionally

End your letter with a professional closing, such as “Sincerely” or “Best regards,” followed by your name and signature.

Calculating your maternity pay and preparing a well-structured application are key to a successful maternity leave experience. For additional guidance on writing your maternity leave application and managing your leave effectively, check out our detailed guide: How to Write a Maternity Leave Application: A Step-by-Step Guide.

Contact us today if you need further assistance with calculating your maternity pay or have any other related questions. We’re here to help ensure your maternity leave is as smooth and stress-free as possible.

#maternity #maternity leave #maternity wear

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forblogmostly · 2 months ago

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Eraaya Lifespaces Limited Completes Monumental Acquisition of Ebix Inc., Ushering in a New Era of Growth

Eraaya Lifespaces Limited, formerly known as Justride Enterprises Limited, has made a landmark move that marks the beginning of a new chapter in its corporate journey. On August 30, 2024, the company proudly announced the successful completion of its acquisition of Ebix Inc., a leading global supplier of on-demand software and e-commerce services. This monumental acquisition, valued at USD 151.577 million (approximately ₹1273.25 crores), signifies a strategic leap forward for Eraaya Lifespaces, setting the stage for unprecedented growth and expansion.

The acquisition process, which began with a successful bid in June 2024, was concluded after Eraaya Lifespaces emerged as the top bidder in an auction managed by the U.S. Bankruptcy Court. With the completion of the payment for the acquisition, Eraaya now holds full ownership of Ebix Inc. and all its global subsidiaries, effectively becoming the holding company of the entire Ebix enterprise. This acquisition also marks the end of Chapter 11 proceedings for Ebix Inc., allowing the company to move forward with renewed energy and a revitalized vision.

Dr. Vikas Garg, the visionary entrepreneur leading Eraaya Lifespaces, expressed his excitement about this transformative acquisition. He emphasized that this acquisition represents a significant leap forward for both Eraaya and Ebix, redefining the stature of all stakeholders on a global scale. Dr. Garg highlighted that Ebix’s resilience through challenging times has fortified its foundation, making it poised for a significant reboot. With the integration of Ebix into Eraaya’s dynamic portfolio, the company is well-positioned to achieve new heights of growth and success.

Eraaya Lifespaces has long been recognized as a premier lifestyle and hospitality company dedicated to curating unforgettable experiences worldwide. Rooted in a passion for excellence, Eraaya blends luxury, comfort, and style to create immersive environments that transcend mere existence. The company’s portfolio celebrates India’s rich culture and heritage, offering unique escapes in iconic destinations. Whether crafting flawless events or producing innovative content, Eraaya Lifespaces is committed to exceeding expectations and creating memories that last a lifetime.

However, this acquisition of Ebix Inc. marks a significant diversification for Eraaya, expanding its horizons beyond its traditional domain of lifestyle and hospitality. Ebix Inc., a NASDAQ-listed company, is an international supplier of on-demand software and e-commerce services, primarily serving the insurance, financial, and healthcare industries. The company’s “Phygital” strategy combines physical distribution outlets across Southeast Asia with an omnichannel online digital platform. Ebix’s extensive portfolio includes domestic and international money remittance, foreign exchange (forex), travel services, prepaid and gift cards, utility payments, lending, and wealth management, among others.

With operations in over 50 offices across Australia, Brazil, Canada, India, New Zealand, Singapore, the United States, and the United Kingdom, Ebix powers multiple exchanges in the fields of life, finance, health, and property & casualty insurance. The company conducts over $100 billion in insurance premiums annually on its platforms and employs thousands of professionals from the insurance and financial technology fields to provide products, support, and consultancy to thousands of customers across six continents.

The acquisition of Ebix Inc. by Eraaya Lifespaces is more than just a business transaction; it represents a strategic alignment of two entities with complementary strengths and visions. Eraaya’s financial strength and commitment to excellence, combined with Ebix’s technological prowess and global reach, create a formidable partnership poised to deliver exceptional value to stakeholders. This acquisition not only underscores Eraaya’s financial strength but also reaffirms its commitment to a future full of potential and excellence.

As Eraaya Lifespaces embarks on this transformative journey of expansion into new business fields, the company is poised to carve a new path of success, driving innovation and creating value for stakeholders while shaping the future of business in dynamic, unprecedented, and unforeseen ways. The successful acquisition of Ebix Inc. positions Eraaya Lifespaces as a leading player in the global business landscape, ready to leverage synergies between the two companies to achieve consistent growth and deliver exceptional results.

This strategic move by Eraaya Lifespaces reflects the company’s forward-looking approach and its determination to explore new opportunities in diverse industries. By embracing new business fields through mergers and acquisitions, Eraaya is set to thrive in an ever-evolving market, ensuring sustained relevance and continued growth.

In conclusion, the acquisition of Ebix Inc. by Eraaya Lifespaces Limited is a monumental achievement that marks the beginning of a new era of growth for both companies. With a renewed vision, revitalized energy, and a commitment to excellence, Eraaya Lifespaces is ready to embark on a journey of unprecedented success, creating a brighter future for all its stakeholders.

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tservicescouk · 3 months ago

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Understanding the Driver and Vehicle Licensing Agency (DVLA): What You Need to Know

The Driver and Vehicle Licensing Agency (DVLA) is a cornerstone of road safety and vehicle management in the United Kingdom. Whether you're a new driver, a seasoned motorist, or someone looking to register a vehicle, the DVLA plays a crucial role in your journey. In this blog, we will delve into the essential functions of the DVLA, the services it offers, and why it's important for every driver in the UK to understand its operations.

What is the Driver and Vehicle Licensing Agency?

The Driver and Vehicle Licensing Agency (DVLA) is an executive agency of the UK Department for Transport. It is responsible for maintaining a database of drivers and vehicles in Great Britain. Established in 1965, the DVLA ensures that every driver on the road is qualified and that all vehicles are registered and meet legal standards. It also manages the issuance of driving licenses, collection of road tax, and enforcement of vehicle-related laws.

Key Responsibilities of the DVLA

The DVLA's responsibilities are vast and varied. Some of the key areas include:

Issuing Driving Licenses: One of the most recognized functions of the DVLA is issuing driving licenses. Whether you're applying for a provisional license or renewing an existing one, the DVLA is the agency you deal with. The process is streamlined to ensure that drivers are correctly qualified to be on the road, adhering to the regulations and safety standards set by the government.

Maintaining the Driver Database: The DVLA keeps a comprehensive record of all licensed drivers in Great Britain. This database includes information on each driver's qualifications, penalty points, and medical conditions that might affect their ability to drive.

Vehicle Registration: Every vehicle on the road must be registered with the DVLA. This registration process ensures that vehicles meet safety standards and are properly taxed. The DVLA also issues vehicle registration certificates, commonly known as V5C, which are crucial for proving ownership.

Collection of Vehicle Excise Duty (Road Tax): The DVLA is responsible for collecting road tax from vehicle owners. This tax is vital for maintaining and improving the country's road infrastructure. Failure to pay road tax can lead to penalties, and the DVLA has the authority to take enforcement action against defaulters.

Enforcement of Vehicle-Related Laws: The DVLA works closely with other government agencies, including the police, to enforce laws related to driving and vehicle ownership. This includes monitoring vehicles for compliance with insurance requirements and ensuring that vehicles on the road are roadworthy.

Organ Donation Register: Interestingly, the DVLA also manages the UK's organ donation register. When you apply for or renew your driving license, you have the option to register as an organ donor, which can be a life-saving decision.

How to Interact with the DVLA

In the digital age, interacting with the DVLA has become more convenient than ever. Most services can be accessed online, reducing the need for paper forms and long waiting times. Here's how you can engage with the DVLA:

Applying for a License: You can apply for a provisional driving license, renew your existing license, or update your details (such as change of address) online through the Driver and Vehicle Licensing Agency gov uk website.

Registering a Vehicle: New vehicles must be registered with the DVLA, and you can do this online. If you're buying or selling a vehicle, it's essential to notify the DVLA to update the ownership details on the registration certificate.

Paying Road Tax: Paying your vehicle excise duty (road tax) can be done quickly and easily online. You'll need your vehicle's registration number and a valid payment method to complete the process.

Checking MOT and Insurance Status: The DVLA provides tools to check your vehicle's MOT status and whether it's insured. This is particularly useful if you're buying a second-hand vehicle and want to ensure it's legal to drive.

Reporting a Medical Condition: If you have a medical condition that might affect your ability to drive, it's your legal responsibility to inform the DVLA. This can also be done online, where you can provide details of your condition and receive guidance on whether you can continue driving.

The Importance of Keeping Your Details Up to Date

It's crucial to keep your details up to date with the DVLA. This includes your name, address, and vehicle information. Failure to do so can result in fines or penalties, especially if the DVLA needs to contact you regarding your license or vehicle. For instance, if you've moved house and haven't updated your address with the DVLA, you might miss out on important correspondence about your road tax or license renewal.

Additionally, keeping your vehicle registration details accurate is essential for avoiding issues when selling your car. The DVLA needs to be informed whenever you transfer ownership to ensure the new owner is correctly registered.

Conclusion

The Driver and Vehicle Licensing Agency gov uk is more than just an administrative body; it's a critical component of the UK's road safety and vehicle management system. By ensuring that drivers are qualified and vehicles are roadworthy, the DVLA helps maintain order and safety on the roads.

Whether you're applying for a license, registering a vehicle, or simply paying your road tax, the DVLA provides essential services that every driver in the UK relies on. Understanding the role and functions of the DVLA not only helps you stay compliant with the law but also ensures that you can drive with confidence, knowing that your vehicle and your driving qualifications are in good standing.

For more information and to access various services, you can visit the official Driver and Vehicle Licensing Agency gov uk website.

#Driver and Vehicle Licensing Agency UK #driver and vehicle licensing agency gov uk #uk driver and vehicle licensing agency #driver and vehicle license agency uk

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jackwil564 · 4 months ago

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Personal Injury Claims Scotland

Personal Injury Claims Scotland involve seeking compensation for injuries or losses caused by someone else's negligence or wrongdoing. This process is an essential part of the legal system, providing a means for individuals to obtain justice and financial relief for their suffering. This article explores the key aspects of personal injury claims in Scotland, including the types of claims, the legal process, and practical considerations.

Types of Personal Injury Claims

Personal injury claims in Scotland encompass a wide range of incidents. The most common types include:

Road Traffic Accidents: These are among the most frequent causes of personal injury claims. They involve accidents between vehicles, pedestrians, cyclists, or motorcyclists. Common injuries include whiplash, fractures, and more severe trauma.

Workplace Accidents: Employees may sustain injuries at work due to unsafe working conditions, inadequate training, or faulty equipment. Employers have a duty of care to ensure a safe working environment, and failure to do so can lead to a claim.

Public Liability Claims: These involve injuries sustained in public places, such as slips, trips, and falls due to poorly maintained sidewalks, inadequate lighting, or other hazards. Local councils, property owners, or businesses may be held liable.

Medical Negligence: When healthcare professionals fail to provide the expected standard of care, resulting in injury or harm, victims may pursue medical negligence claims. This can include surgical errors, misdiagnosis, or inadequate treatment.

Product Liability: Claims can arise if a person is injured by a defective product, such as faulty machinery, contaminated food, or unsafe consumer goods. Manufacturers, distributors, and retailers can be held responsible.

The Legal Framework in Scotland

In Scotland, personal injury claims are governed by a distinct legal system, separate from the rest of the United Kingdom. The main legal concepts include:

Duty of Care: The claimant must establish that the defendant owed them a duty of care. This means the defendant had a legal obligation to act in a certain way to prevent harm.

Breach of Duty: The claimant must prove that the defendant breached their duty of care, either through action or inaction, leading to the injury.

Causation: It must be demonstrated that the breach of duty directly caused the injury. This can involve complex medical evidence and expert testimony.

Loss and Damage: The claimant must show that they suffered actual loss or damage, such as physical injury, emotional distress, or financial losses. This is often quantified in terms of compensation.

Time Limits: In Scotland, personal injury claims are subject to strict time limits, known as the "prescriptive period." Generally, a claim must be made within three years from the date of the injury or from when the claimant became aware of the injury. There are exceptions, such as for minors or individuals with mental incapacity.

The Claims Process

The process of making a personal injury claim in Scotland typically involves several steps:

Initial Consultation: The claimant consults with a solicitor specializing in personal injury law. This initial meeting assesses the viability of the claim and explores potential compensation.

Investigation and Evidence Gathering: The solicitor gathers evidence to support the claim. This may include medical reports, witness statements, accident reports, and any other relevant documentation.

Medical Examination: A medical examination by an independent expert may be required to assess the extent of the injuries and their impact on the claimant's life. This report is crucial in determining the amount of compensation.

Negotiation and Settlement: In many cases, claims are settled out of court. The solicitor negotiates with the defendant's insurance company or legal representatives to reach a fair settlement. This stage can involve lengthy negotiations, especially in complex cases.

Court Proceedings: If a settlement cannot be reached, the case may proceed to court. In Scotland, personal injury cases are typically heard in the Sheriff Court or Court of Session, depending on the value and complexity of the claim. The court will consider the evidence and decide on liability and the amount of compensation.

Compensation: If the claim is successful, the claimant receives compensation. This can include general damages for pain and suffering, special damages for financial losses (such as lost earnings or medical expenses), and, in some cases, punitive damages.

Practical Considerations

Choosing a Solicitor: Selecting a solicitor with experience in personal injury law is crucial. They can navigate the complex legal landscape and negotiate effectively on the claimant's behalf. Many solicitors offer a "no win, no fee" arrangement, meaning the claimant does not pay legal fees if the claim is unsuccessful.

Insurance and Legal Aid: Some insurance policies, such as motor insurance or home insurance, may include legal expenses coverage, which can assist with the costs of pursuing a claim. In certain cases, legal aid may be available, depending on the claimant's financial situation.

Impact on Life: The impact of an injury on a person's life can be profound, affecting their ability to work, enjoy life, or even perform daily activities. Compensation aims to address these losses and provide financial security during recovery.

Emotional and Psychological Support: Personal injury cases can be stressful and emotionally taxing. Claimants may benefit from counseling or support groups to help them cope with the aftermath of their injury.

Conclusion

Personal injury claims in Scotland play a crucial role in providing justice and compensation to individuals who have suffered due to someone else's negligence. The process involves navigating a complex legal framework, gathering evidence, and often negotiating with insurance companies or legal representatives. By understanding the types of claims, the legal requirements, and practical considerations, individuals can better navigate the process and secure the compensation they deserve. Whether dealing with a minor injury or a life-changing event, the support of a skilled solicitor can make a significant difference in achieving a positive outcome.

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indicure-health-tours · 4 months ago

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Affordable Gift of Hearing: How Medical Tourism to India Brings Down Cochlear Implant Costs

In Western countries, where the costs of cochlear implants are prohibitively high and continue to rise, particularly for those without medical insurance who must pay out of pocket, medical tourism to India has become a beacon of hope for individuals with severe hearing loss.

India is becoming a popular destination for those seeking affordable cochlear implant surgeries without compromising on quality. This trend makes the dream of receiving a cochlear implant realistic for people from Western countries. Let's explore how medical tourism with IndiCure Health Tours, one of the most trusted medical tourism companies in India makes the cochlear implants cost in India more affordable and accessible.

The Appeal of Medical Tourism to India

India is one of the leading destinations for medical tourism, offering world-class healthcare services at a fraction of the cost found in many Western countries like the US, United Kingdom, Australia, and New Zealand. Several factors contribute to this appeal which in turn attracts medical tourists for cochlear implants in India:

Cost-Effective Healthcare

The primary draw of medical tourism to India is the significant cost savings. The cost of a cochlear implant in India with IndiCure Health Tours can be as low as $13,000, which includes the device, surgery, hospital stay, and post-operative care. This price is often a third or even a quarter of the cost in countries like the United States or the United Kingdom, where expenses can soar from $30,000 to $100,000.

Additionally, the cochlear implant cost in India can be further tailored to suit individual preferences and budgets.

By choosing IndiCure for their cochlear implant procedure in India, patients can have their specific needs addressed, ensuring a personalized experience. This tailored approach not only makes the procedure more affordable but also enhances the overall experience, providing patients with high-quality care at an affordable cochlear implant cost in India.

High-Quality Medical Care

Indian hospitals and clinics that cater to international patients are typically accredited by global healthcare organizations such as JCI (Joint Commission International) and NABH (National Accreditation Board for Hospitals & Healthcare Providers).

IndiCure works with only such best cochlear implant facilities in India that are equipped with state-of-the-art technology and staffed by highly skilled surgeons who are often trained and experienced in the best medical institutions worldwide ensuring quality healthcare and affordable cochlear implant cost in India.

Experienced ENT Surgeons

IndiCure has an array of hand-picked ENT specialists and surgeons in India with extensive experience in performing cochlear implant surgeries in India. Many of these professionals have received training and certifications from leading global institutions, ensuring that patients receive the highest standard of care.

Shorter Wait Times

In countries with public healthcare systems, patients often face long waiting periods for elective surgeries like cochlear implants. These delays can extend the period of hearing impairment, impacting the quality of life. In contrast, India offers significantly shorter wait times, allowing patients to receive timely and efficient treatment.

With IndiCure, the process becomes even more streamlined. Once you send your medical reports, IndiCure connects you with an ENT specialist promptly, based on the surgeon’s availability. This early consultation allows you to discuss your case, ask any questions, and receive expert advice before traveling to India. This ensures you waste no time and get the right guidance to make an informed decision about choosing cochlear implants in India.

IndiCure’s efficient process not only reduces waiting times but also enhances the patient experience by providing personalized care and immediate attention. By facilitating early interactions with specialists, IndiCure ensures that you are well-prepared and confident in your decision, making the journey towards improved hearing smoother and more reassuring.

Beyond the Surgery: Holistic Care

Medical tourism for cochlear implants in India is not just about the surgery itself. Hospitals and ENT specialists understand the importance of holistic care, which includes pre-operative assessments, counseling, and post-operative rehabilitation. Rehabilitation is a crucial part of the cochlear implant journey, as patients need to learn how to interpret the new sounds they hear. IndiCure’s curated hospitals offer comprehensive rehabilitation services that include auditory-verbal therapy and regular follow-ups to ensure the best possible outcomes for patients.

The Bigger Picture: Economic and Social Impact

The growth of medical tourism in India has had a positive economic impact, contributing to the country’s GDP and creating numerous jobs in the healthcare and hospitality sectors. Moreover, it has also led to advancements in medical infrastructure and an overall improvement in the quality of healthcare services available to both international and local patients.

From a social perspective, medical tourism for cochlear implants in India with IndiCure is life-changing. Restoring the sense of hearing can dramatically improve the quality of life, enabling individuals to participate more fully in society, pursue education and career opportunities, and experience the joy of sound.

To conclude, medical tourism with IndiCure Health Tours has opened up new possibilities for those in need of affordable cochlear implants cost in India, offering a more realistic path to the gift of hearing. With IndiCure’s combination of cost-effective healthcare, high-quality medical services, experienced surgeons, and comprehensive care packages, India stands out as a premier destination for those seeking to transform their lives through cochlear implant surgery.

Medical tourism for cochlear implants in India not only brings hope of hearing to many but also underscores the global interconnectedness of healthcare and the potential for countries to work together in providing accessible medical solutions to all.

Grab the chance to get affordable cochlear implant cost in India with IndiCure by sending your medical reports and getting in touch with them today.

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4shreya · 5 months ago

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Why Germany is the Ultimate Destination for International Students

Choosing the right country to pursue higher education is a monumental decision for any student. With numerous options available worldwide, Germany has emerged as a leading destination for international students. But what makes Germany stand out among other countries? In this comprehensive article, we'll explore why Germany is the ultimate destination for international students, delving into various aspects that make it a top choice.

1. High-Quality Education System

Germany is renowned for its high-quality education system. German universities consistently rank among the best in the world, offering a robust curriculum, advanced research facilities, and a strong emphasis on practical learning. Whether you're interested in engineering, medicine, humanities, or social sciences, German institutions provide an excellent education that is recognized globally.

2. Affordable Tuition Fees

One of the most compelling reasons to study in Germany is the affordability of tuition fees. Many public universities in Germany charge little to no tuition fees for both domestic and international students. This contrasts sharply with the high tuition costs in countries like the United States and the United Kingdom. The low cost of education in Germany allows students to receive a world-class education without accumulating significant debt.

3. Extensive Scholarship Opportunities

For those who may need additional financial support, Germany offers extensive scholarship opportunities. Organizations such as the DAAD (German Academic Exchange Service) provide numerous scholarships to international students based on merit, need, and specific fields of study. These scholarships can cover tuition fees, living expenses, and even travel costs, making education in Germany even more accessible.

4. Diverse Range of Programs in English

While German is the official language of instruction in many programs, a growing number of universities offer programs in English. This makes Germany an attractive option for students who may not be fluent in German but still want to benefit from the country's educational excellence. From bachelor's to master's and doctoral programs, there is a wide array of courses available in English.

5. Strong Focus on Research and Innovation

Germany is at the forefront of research and innovation. The country invests heavily in research and development, providing students with the opportunity to engage in cutting-edge projects and work alongside leading experts in their fields. Institutions like the Max Planck Society and the Fraunhofer Society are globally renowned for their research contributions, offering students unparalleled opportunities to contribute to groundbreaking discoveries.

6. Excellent Career Opportunities

Germany's robust economy and strong industrial base create excellent career opportunities for graduates. The country is home to numerous multinational corporations, particularly in sectors such as engineering, automotive, pharmaceuticals, and information technology. Graduates from German universities are highly sought after, both within the country and internationally, due to the rigorous training and practical experience they receive.

7. Vibrant Student Life and Multicultural Environment

Studying in Germany offers a vibrant student life and a multicultural environment. German cities are known for their lively atmosphere, rich cultural heritage, and diverse communities. International students can easily find communities and support networks, making the transition to life in Germany smoother. Universities often have dedicated offices for international students, providing assistance with everything from visa applications to finding accommodation.

8. Comprehensive Health and Social Benefits

International students in Germany benefit from comprehensive health and social benefits. Health insurance is mandatory for all students, ensuring access to high-quality healthcare services. Additionally, students can enjoy various social benefits, such as discounts on public transportation, cultural events, and recreational activities. These benefits contribute to a comfortable and enriching student experience.

9. Safe and Stable Environment

Germany is known for its safe and stable environment. The country boasts low crime rates and a high standard of living, making it an ideal place for students to live and study. The political and economic stability of Germany provides a secure backdrop for academic pursuits, allowing students to focus on their studies without worrying about external uncertainties.

10. Rich Cultural and Historical Heritage

Germany's rich cultural and historical heritage is another significant draw for international students. The country is home to numerous UNESCO World Heritage sites, museums, galleries, and historical landmarks. From the Brandenburg Gate in Berlin to Neuschwanstein Castle in Bavaria, there is no shortage of cultural experiences to explore. These experiences enrich students' lives, offering a deeper understanding of Germany's history and its contributions to world culture.

11. Extensive Support for International Students

German universities and the government provide extensive support for international students. Many institutions have dedicated international offices that offer guidance on academic matters, visa regulations, and cultural integration. Additionally, various student organizations and clubs help international students connect with peers and participate in social activities, fostering a sense of community and belonging.

12. Opportunities for Learning German

While many programs are available in English, learning German can significantly enhance the overall experience of studying in Germany. Many universities offer German language courses for international students, helping them integrate more fully into German society. Proficiency in German opens up additional opportunities for internships, part-time jobs, and deeper cultural engagement.

13. Proximity to Other European Countries

Germany's central location in Europe makes it an ideal base for exploring the continent. With its excellent transportation network, students can easily travel to neighboring countries such as France, Italy, and the Netherlands. This proximity allows for enriching travel experiences during breaks and holidays, broadening students' horizons and cultural understanding.

14. Commitment to Sustainability and Green Living

Germany is a global leader in sustainability and green living. The country's commitment to environmental protection and sustainable practices is evident in its policies and daily life. Students in Germany can learn from and contribute to these efforts, gaining knowledge and skills in sustainability that are increasingly valuable in today's world.

15. Strong Alumni Network

Graduating from a German university means joining a strong alumni network. German institutions have extensive networks of alumni who have gone on to successful careers worldwide. This network can provide valuable connections and opportunities for mentorship, internships, and employment, benefiting students long after they have completed their studies.

Conclusion

In summary, Germany offers a compelling package for international students, combining high-quality education, affordability, extensive support, and vibrant cultural experiences. Its strong focus on research, excellent career opportunities, and commitment to sustainability make it a top choice for students worldwide. With its safe environment, diverse programs, and rich heritage, Germany stands out as the ultimate destination for those seeking an enriching and rewarding educational experience. Whether you're looking to advance your academic career, engage in groundbreaking research, or simply explore a new culture, Germany has something to offer every international student.

#studyingermany #mastersingermany #mbaingermany #msingermany

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successonsearch · 6 months ago

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Strategic Financial Planning for UK Expats: Comprehensive Solutions from PensionExpert4U

For UK expats facing the intricacies of managing finances in a foreign country, securing a robust UK expat financial plan is essential. PensionExpert4U, a distinguished advisory firm, excels in developing custom financial plans for UK expatriates, ensuring they receive both thorough coverage and a sense of security.

Diverse Insurance Solutions Living outside the United Kingdom presents various risks, making appropriate insurance coverage essential. PensionExpert4U provides a suite of insurance services tailored to expatriates, including life, critical illness, and healthcare insurance. These options are sourced from the entire market, ensuring that clients obtain the best possible terms, commitment-free.

Optimized Tax-Efficient Savings and Investments Expatriates encounter unique challenges and opportunities in managing savings and investments. PensionExpert4U assists in setting up tax-efficient savings vehicles that enhance earnings while expats work overseas. The firm also offers professional guidance on existing investments, including a comprehensive analysis of their performance to ensure optimal portfolio management.

Extensive Support in Key Expat Destinations PensionExpert4U's offerings are customized to address the needs of UK nationals living in major expat hubs like Dubai and Qatar. The firm guarantees that its clients receive protection under the full scope of the UK Financial Conduct Authority, which is vital for receiving regulated financial advice.

Advanced Investment Platform PensionExpert4U operates a substantial investment platform with £34.9 billion under management and more than 187,000 clients as of March 2020. The platform features a variety of investment opportunities from leading firms such as Fidelity, Vanguard, Blackrock, Embark, and Transact, facilitating remote investment management for expats.

Flexible Access to Financial Guidance Recognizing the mobile lifestyle of expatriates, PensionExpert4U adapts by offering versatile consulting sessions via Zoom or Facetime. This flexibility allows expats to receive personalized financial advice regardless of their global location.

As an affiliate of Studio 61 Wealth Management, authorized and regulated by the Financial Conduct Authority, PensionExpert4U maintains the highest standards of financial counsel. The firm's transparent fee structure and adherence to regulatory guidelines assure that every client benefits from reliable and ethical services, specifically tailored to the unique needs of UK expatriates.

PensionExpert4U is dedicated to assisting UK expats in enhancing their financial well-being and security, making it an invaluable ally for those seeking to navigate and optimize their financial status while abroad.

#Uk expat #financial advisor

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monika7765-blog · 10 months ago

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Exploring the Benefits of British Citizenship for International Students

The United Kingdom has long been a popular destination for international students seeking quality education and diverse cultural experiences. Many international students who come to the UK for their studies eventually contemplate the possibility of obtaining British citizenship. British citizenship offers a range of benefits that extend beyond the duration of one's studies, making it an attractive prospect for those who wish to build a future in the UK. In this article, we will explore the various advantages of British citizenship for international students.

Access to the Job Market

One of the most significant benefits of obtaining British citizenship is unrestricted access to the UK job market. While international students on student visas have certain limitations on the hours they can work during their studies, British citizens face no such restrictions. After completing their studies, international students who become British citizens can compete equally with UK citizens for employment opportunities, potentially securing higher-paying jobs and better career prospects.

Eligibility for Public Services

British citizens can access the UK's comprehensive public services, including the National Health Service (NHS). It means that they can receive healthcare services without the need for additional insurance or fees. Additionally, British citizens can access various social welfare programs, ensuring financial support during times of need.

Voting Rights

Once granted British citizenship, international students can vote in UK elections. It is a significant civic privilege that allows them to participate in shaping the country's future and voicing their opinions on various policies and issues. Being part of the democratic process is essential to integration and community involvement.

Freedom to Travel

British citizens enjoy extensive travel privileges. They can travel to over 180 countries and territories visa-free or with visa-on-arrival access, which is a valuable advantage for those who wish to explore the world or conduct international business. Moreover, British passports are highly regarded and can quickly enter many countries.

Family Reunification

British citizens can sponsor family members for visas to join them in the UK. This is particularly beneficial for international students who wish to bring their spouse, children, or other family members to live with them in the UK. The ability to reunite with loved ones is compelling for many international students to pursue British citizenship.

Security and Stability

Obtaining British citizenship provides a sense of security and stability. International students who become citizens no longer need to worry about visa renewals, extensions, or changes in immigration policies. This peace of mind allows individuals to confidently plan for their future, knowing that they have a permanent place in the UK.

Education Opportunities

British citizenship opens up new educational opportunities. Citizens can access various scholarships, grants, and financial aid options that may not be available to international students. Pursuing further studies or professional development in the UK can be especially advantageous.

Cultural Integration

Becoming a British citizen facilitates cultural integration and a more profound sense of belonging. It allows individuals to participate fully in the UK's cultural, social, and civic life. This integration can lead to a richer and more fulfilling experience living in the UK.

Conclusion

Obtaining British citizenship is a significant step for international students who have chosen the UK as their study destination. The benefits of citizenship extend far beyond the academic realm, offering access to many opportunities and privileges. From unrestricted access to the job market and public services to the freedom to travel and vote, British citizenship provides a stable and secure foundation for a prosperous future in the UK. While the path to citizenship may involve specific requirements and processes, its rewards are undoubtedly worth the effort for many international students.

#sindhuimmigration #visitor visa uk #london immigration lawyers

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hudsonmckenzie · 11 months ago

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Applications for nationality based on historical residency are lacking substantiation

There are several ways to apply for settlement and/or British citizenship under UK immigration and nationality legislation, all of which need proving that the applicant or their parents lived in the country for many years. These include petitions for Settled Status (under the EU Settlement Scheme), as well as several paths leading to British citizenship and passports, all predicated on an individual's previous residency in the United Kingdom. This blog post focuses on the latter and examines a recent (ish) legal development that could be helpful to those who are having trouble locating proof that they or their parents were in the UK many years ago.

According to section 1(4) of the British Nationality Act 1981, a person can register as a British citizen regardless of their age if they can demonstrate that they were born in the country, spent the first ten years of their life here, and did not spend more than ninety days away from the country in any 12-month period during that time.

The top-rated legal firms in London has confirmed that this can include proof of the child's residency in the UK as well as proof of the child's parents' domicile, including proof of their jobs and national insurance contributions, as well as proof of the "wider family unit."

What may be problematic with these applications is that, like me, you were born in the early 1990s (!) and there doesn't seem to be any proof that you were ever here. This has happened to a couple of my customers.

Lack of proof

It is not always desirable or feasible for a person in their 30s to cling onto documents from their early years of childhood and elementary school, and it is much less common for them to retain their parents' job, tax, or property ownership records from that era.

If personal records are missing, some agencies you could consider contacting to obtain information about a child's (or their parent's) existence include:

Education: colleges, universities, local governments, schools, and education authority;

Dental/health: neighbourhood GP offices and NHS dental clinics, neighbourhood NHS trusts, Primary Care Support England;

Records pertaining to immigration: Home Office(!)

It might feel like a wild goose hunt to find third-party records of an individual's existence in these situations, based on personal experience. Organisations have given the following reasons for the lack of records: (1) switching from paper to electronic record keeping systems and losing records in the process; (2) not having records from that far back in time (the Home Office, for example, has told us that they only keep immigration entry/exit records for five years); and (3) multiple ownership changes of an institution (such as in the case of some schools or colleges), which resulted in records being lost in the process.

Regarding these applications, one thing to keep in mind is that you should provide as much proof of residency as you can. Although the Home Office mistakenly claims that it would only accept "official" documentation (as specified in the Home Office Guidance for registration applications), it can also be beneficial to provide strong affidavit evidence from friends, relatives, and previous teachers attesting to your residency in the UK. The legal firms in London have successfully argued that the Home Office should take into account all information that satisfies the standard of proof in immigration applications, meaning that based on the documents provided, is it "more likely than not" that the person who was born here did, in fact, spend the first ten years of their life in the UK, in the absence of any evidence listed in the Guidance. Nonetheless, the new section 4L may be helpful in cases when the Home Office is adamant and requires official records and documentation.

#legal firms in London

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themarketinsights · 1 year ago

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Children Life Insurance Market to See Huge Growth by 2028

Latest released the research study on Global Children Life Insurance Market, offers a detailed overview of the factors influencing the global business scope. Children Life Insurance Market research report shows the latest market insights, current situation analysis with upcoming trends and breakdown of the products and services. The report provides key statistics on the market status, size, share, growth factors of the Children Life Insurance The study covers emerging player’s data, including: competitive landscape, sales, revenue and global market share of top manufacturers are Allianz (Germany), Assicurazioni Generali (Italy), China Life Insurance (China), MetLife (United States), PingAn Insurance (China), AXA (France), Sumitomo Life Insurance (Japan), Aegon Life Insurance Company (India), Dai-ichi Mutual Life Insurance (Japan), Aviva plc (United Kingdom)

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Children Life Insurance Market Definition:

Child life insurance is about the future and preparation in which taking steps today can help create a better tomorrow. As parents or grandparents, our chief concern is making the future better for their children. Such child life insurance is perfect for planning for the future due to the cash value the plan would accumulate. As an adult, they could borrow against this value or stop the policy and withdraw the money for other reason like to pay for college or any number of things. In general, life insurance policies for children are meant to offer a cushion to the child in case the death of a parent presents financial problems in pursuing important life choices.

Market Trend:

Changing Risk Dynamics

Market Drivers:

Tax Benefits under Various Sections of the Income Tax Act

Rising Concerns towards Childs Future Security

Market Opportunities:

High Potential Growth Offered by Emerging Market

The Global Children Life Insurance Market segments and Market Data Break Down are illuminated below:

by Type (Term Child Life Insurance, Permanent Child Life Insurance), Premium Type (Lump Sum, Monthly, Quarterly, Half-Yearly, Annual), Purchaser (Parents, Grandparents, Legal Guardians), Age (Less Than 10 Years Old, 10 To 18 Years Old)

Region Included are: North America, Europe, Asia Pacific, Oceania, South America, Middle East & Africa

Country Level Break-Up: United States, Canada, Mexico, Brazil, Argentina, Colombia, Chile, South Africa, Nigeria, Tunisia, Morocco, Germany, United Kingdom (UK), the Netherlands, Spain, Italy, Belgium, Austria, Turkey, Russia, France, Poland, Israel, United Arab Emirates, Qatar, Saudi Arabia, China, Japan, Taiwan, South Korea, Singapore, India, Australia and New Zealand etc.

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Strategic Points Covered in Table of Content of Global Children Life Insurance Market:

Chapter 1: Introduction, market driving force product Objective of Study and Research Scope the Children Life Insurance market

Chapter 2: Exclusive Summary – the basic information of the Children Life Insurance Market.

Chapter 3: Displayingthe Market Dynamics- Drivers, Trends and Challenges of the Children Life Insurance

Chapter 4: Presenting the Children Life Insurance Market Factor Analysis Porters Five Forces, Supply/Value Chain, PESTEL analysis, Market Entropy, Patent/Trademark Analysis.

Chapter 5: Displaying market size by Type, End User and Region 2015-2020

Chapter 6: Evaluating the leading manufacturers of the Children Life Insurance market which consists of its Competitive Landscape, Peer Group Analysis, BCG Matrix & Company Profile

Chapter 7: To evaluate the market by segments, by countries and by manufacturers with revenue share and sales by key countries (2021-2026).

Chapter 8 & 9: Displaying the Appendix, Methodology and Data Source

Finally, Children Life Insurance Market is a valuable source of guidance for individuals and companies in decision framework.

Data Sources & Methodology The primary sources involves the industry experts from the Global Children Life Insurance Market including the management organizations, processing organizations, analytics service providers of the industry’s value chain. All primary sources were interviewed to gather and authenticate qualitative & quantitative information and determine the future prospects.

In the extensive primary research process undertaken for this study, the primary sources – Postal Surveys, telephone, Online & Face-to-Face Survey were considered to obtain and verify both qualitative and quantitative aspects of this research study. When it comes to secondary sources Company's Annual reports, press Releases, Websites, Investor Presentation, Conference Call transcripts, Webinar, Journals, Regulators, National Customs and Industry Associations were given primary weight-age.

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dataseries · 1 year ago

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Market Trends in UK Whole of Life Assurance Distribution

The distribution of Whole of Life Assurance in the United Kingdom is subject to ever-evolving market trends and dynamics. In this article, we will examine the current market trends surrounding the distribution of Whole of Life Assurance in the UK, shedding light on the factors influencing these trends and their implications for consumers and industry stakeholders.

Digital Transformation and Online Distribution

One of the most notable trends in the distribution of Whole of Life Assurance in the UK is the increasing emphasis on digital transformation and online distribution channels. Insurance companies have recognized the importance of establishing a strong online presence to cater to the evolving preferences of consumers. This trend includes:

Online Sales Platforms

Many insurers now offer the convenience of purchasing Whole of Life Assurance policies directly through their websites or mobile apps. This allows consumers to explore policy options, calculate premiums, and complete applications from the comfort of their homes.

Comparison Websites

The popularity of insurance comparison websites continues to rise. These platforms provide consumers with the ability to compare Whole of Life Assurance policies from various providers, making it easier to find the most suitable coverage at competitive prices.

Chatbots and AI

The integration of chatbots and artificial intelligence (AI) in online distribution has enhanced customer interactions. Chatbots can provide instant answers to inquiries, streamline the application process, and offer personalized policy recommendations.

Customized Products and Personalization

In response to consumer demand, insurers are increasingly offering customized Whole of Life Assurance products. This trend recognizes that one-size-fits-all policies may not align with the diverse financial needs and preferences of customers. Key aspects of this trend include:

Tailored Premiums

Insurers are providing options for flexible premium payments, allowing policyholders to adjust their payments based on their financial circumstances and objectives.

Enhanced Underwriting

Advancements in data analytics and risk assessment have enabled insurers to refine their underwriting processes. This has led to more accurate pricing and the ability to offer policies to individuals with varying health conditions.

Investment Choices

Some Whole of Life Assurance policies now offer policyholders a range of investment options. This allows individuals to align their policy with their investment goals, whether it's wealth accumulation, estate planning, or funding future expenses.

Regulatory Changes

Regulatory developments also play a role in shaping the distribution of Whole of Life Assurance in the UK. Compliance with regulatory requirements, such as the Insurance Distribution Directive (IDD) and consumer protection laws, has led insurers to enhance transparency and fairness in their distribution practices.

Shift Toward Comprehensive Financial Planning

Many consumers in the UK are recognizing the importance of comprehensive financial planning, which includes insurance as a fundamental component. This trend has prompted financial advisors and independent planners to offer Whole of Life Assurance as part of holistic financial solutions.

Conclusion

In conclusion, the distribution of Whole of Life Assurance in the United Kingdom is undergoing significant transformation driven by digitalization, personalization, and regulatory changes. The shift towards online distribution channels, customized products, and the integration of technology is enhancing accessibility and convenience for consumers. Additionally, the growing awareness of the importance of comprehensive financial planning is leading to greater collaboration between insurers, financial advisors, and consumers. As the market continues to evolve, these trends are likely to shape the future landscape of Whole of Life Assurance distribution in the UK, offering consumers more choices and flexibility in securing their financial futures.

#UK Whole of Life Assurance Distribution Market

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alishaclarkeblogs · 1 year ago

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GRE Coaching Classes in Rajkot - Best GRE Training Center in Rajkot

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