#Universal Life Insurance in Ontario

[insuredcan]

Universal Life Insurance: What It Is and How It Functions.

Among your different life insurance options, a Universal Life Insurance in Ontario by INSUREDCAN is one of the most complex. It requires additional involvement than both term and whole life insurance policies—so you can’t simply set it and forget it. And you have decisions to make concerning how much you pay, and how those premiums are used.

Universal Life Insurance in Toronto is definite, long-term protection that lets you invest and build your wealth. And it’s one of the most supple and reasonable products available that covers you for life. There are dual parts to a universal life insurance policy: insurance in addition to investment. You choose your investments as well as wealth can accumulate tax-free, within limits set by the government. You can withdraw or borrow from your policy, with explicit tax implications. You can also select who  to leave  your  money  to.

When the principal objective is taking care of your loved ones after you’re gone, it pays to spend time figuring out how to care for them. That’s why you should familiarize yourself with the comprehensive slate of possibilities. For those looking for malleable premiums and the opportunity to accumulate wealth on a tax-deferred basis, universal life insurance can be a smart option. You may even be capable to benefit from it during your lifetime. But due to their difficulty and cost, these policies aren’t suited to everyone, so take the time to understand how they function.

How Does It Function?

You pay a premium for your Universal Life Insurance in Ontario. After you’ve covered the insurance costs, the rest of the money goes to the policy’s investment share. The money goes toward investments of your choice.  You can use the money in your account to use however you want, as long as there’s abundant left to cover the insurance costs. You select who receives the money from your insurance protection when you die.

Access Your Money When You Want It

Universal Life Insurance in Toronto by INSUREDCAN offers you access to money you’ve earned in your policy. You can access the money as long as there’s enough lasting to cover your monthly insurance cost, as well as any termination charges, policy loans and market value adjustments.

Significance of Universal Life Insurance

There are discrete advantages to Universal Life Insurance in Ontario by INSUREDCAN, but because you’re paying to be covered for life (as opposed to a customary amount of time, like with term life insurance), the premiums can be pricey. It’s also more multifaceted and requires additional involvement from the policy holder.

That said, universal life insurance can serve as a wealth-building tool for someone who’s contented managing investments, and has the time and longing to be more involved. Generally speaking, universal life insurance is finest for high-income earners who can take advantage of the tax benefits.

Withdrawals  

You can make a fractional withdrawal at any time. Withdrawals cut your policy’s cash value as well as your beneficiary’s payment. The least withdrawal is $500. The maximum depends on your policy. You pay income tax on any withdrawals you make from your policy.

Loans from Policy

Borrow with interest from your policy’s cash value – as long as there’s satisfactory money to cover the cost of cancelling your insurance – and eventually pay it back. Your cash worth continues to grow as if you hadn’t taken out the money. The minimum loan is $500 and may be taxable. The loan will be subject to a loan interest rate set by INSUREDCAN on every policy anniversary.

Terminating your policy

You’ll receive the balance in your account, which is called the cash surrender worth. During the first nine years, there’s a penalty for cancelling your policy, known as a surrender charge. Some policies have no surrender charge. You may pay income tax on what you obtain, in the year you cancel your policy.

[bluestoneocs123]

Choose Right Abroad Education Consultants in Erode: Expert IELTS Coaching

Introduction to Studying Abroad

For many students in Erode, the dream of studying abroad can feel overwhelming. With a myriad of choices in courses, universities, and countries, having a guiding hand can make all the difference. This is where the Top overseas education consultants in Erode come into play, providing valuable support and expertise to help students navigate their educational journeys beyond borders.

Why Choose the Best Abroad Consultants in Erode?

Turning to the Trustable Overseas education consultants in Erode can offer a host of advantages. These professionals possess in-depth knowledge of global education systems and can provide personalized recommendations based on each student’s unique aspirations. Whether you're aiming for a world-class university or a specific course, these consultants will stand by your side and ensure you have a structured plan in place.

Key Services Offered by Erode Best Consultants

Counselling and Guidance

The initial stages of planning to study abroad can be daunting. Our consultants offer one-on-one counselling sessions to discuss your academic interests, career goals, and preferred destinations. This personalized approach helps students identify the best-fit programs and institutions.

Application Assistance

Once you have made your choices, application processes can be intricate and time-consuming. Finest consultants will assist you with:

Crafting compelling personal statements

Preparing a comprehensive resume

Gathering necessary documents

Meeting application deadlines

Their assistance ensures that your application stands out to admission committees.

Visa Support

Understanding visa regulations is crucial for any student planning to study abroad. The best abroad consultants in Erode provide expert advice on:

The type of visa required for your destination

Documentation needed for a visa application

Interview preparation tips

Their knowledge can significantly increase your chances of securing the necessary permits.

Pre-Departure Services

Before you embark on your international journey, there are multiple aspects to consider. Top consultants often provide:

Pre-departure orientations to prepare you for life in a new country

Information about accommodation options

Guidance on setting up a bank account and enrolling in health insurance

These services ensure that students feel confident and prepared as they set foot in a new land.

How to Choose the Right Consultant

With numerous options available, selecting the right overseas education consultants in Salem requires careful consideration. Here are some tips to help you make an informed choice:

Research and Reviews

Start by conducting thorough research. Look for consultants with a solid reputation and positive reviews from former students. Websites like Google Reviews or educational forums can be great resources for obtaining feedback.

Expertise and Experience

Consider the expertise and experience level of the consultants. Those with years in the industry are likely to have established connections and a greater understanding of the evolving educational landscape.

Personal Connection

Schedule initial consultations with prospective consultants to gauge their understanding and responsiveness. A good consultant should listen to your concerns, offer thoughtful advice, and make you feel comfortable throughout the journey.

Success Stories: Students Who Took the Leap

Hearing from those who have benefited from the abroad studies consultancy in Erode can be particularly inspiring. Here are a few success stories:

Jeeva's Journey to Canada: With guidance on applications and visas, Rahul transitioned seamlessly to life in Ontario, completing his Master's in Computer Science.

 Sasikala's Experience in Canada: Thanks to her consultant, Priya received scholarships that made studying abroad financially feasible, ultimately shaping her career in environmental science.

Kuralasaran’s Study in the UK: Suresh gained acceptance into a prestigious university and credits his consultant's expertise in helping him navigate intricate visa requirements.

These stories reflect the positive impact that the best consultants can have on your educational aspirations.

Top Study Abroad Destinations We Offer:

United States – Leading destination for higher education with top universities and diverse study options.

Canada – Known for high-quality education, affordable tuition fees, and post-graduation work opportunities.

United Kingdom – Renowned for world-class institutions, rich history, and shorter course durations.

Australia – Offers globally recognized degrees, multicultural campuses, and excellent work-study programs.

Germany – Tuition-free or low-cost education in public universities, especially strong in engineering and technical courses.

New Zealand – Emerging as a popular choice with high-quality education and a safe, welcoming environment.

Ireland – Home to many globally recognized universities, especially strong in IT, business, and life sciences.

Singapore – Offers world-class universities, a dynamic economy, and proximity to India.

France – Known for excellence in business, fashion, and the arts; affordable education and a rich cultural experience.

Netherlands – Known for innovative programs, many taught in English, especially in the fields of engineering, business, and design.

Conclusion:

Studying abroad opens doors to new opportunities and experiences that can shape your future. By choosing the leading overseas education consultants in Erode, you can make informed decisions, streamline your application process, and prepare for a successful journey. Take the first step towards achieving your dream — reach out to a right consultant today and begin your adventure toward international education.

Address:

01, Vairam St, Municipal Colony,

Erode, Tamil Nadu 638004

Mobile: +91 9342899904

Website: www.bluestoneocs.com

[theunheardstories87]

Prem Watsa – The Wealthy Journey of Richest Indian in Canada

Chairman and CEO of Fairfax Financial Holdings Limited. Meet Prem Watsa, an antagonist and now the Richest Indian in Canada. Prem Watsa is an Indian Canadian billionaire who is also known as Canadian Warren Buffet. He is a living example of achieving heights with hard work and dedication. Moreover, he was awarded Padma Shri in January 2020 for his contribution to trade and industry.              

He works in silence for 15 years staying away from media and the public eye until he became successful and completed his dream. Prem Watsa has a net worth of USD 1.2 Billion, valued at 9,857 crore in India.

Early Life

About his Family: Prem Watsa was born in 1950 in a poor Christian family and is the third child of four children(one brother and two sisters). His father was an English and math teacher. His father strongly influences Prem Watsa. He always remembers his father’s advice,’ work hard as hard as you can, as though everything depends on you. Pray as hard as possible, as though everything depends on God.” This advice pushed Prem Watsa through his difficult days and made him the Richest Indian in Canada. Prem Watsa and his family have great Christian values like honesty, integrity etc.

Education: Wata completed his schooling at Hyderabad Public School and then went to the Indian Institution Of Technology, Madras for his further studies, where he completed his graduation with a degree in chemical engineering. Later he decide to move to London, Ontario for qualification. He joined the Richard Ivey School of Business at the University of Western Ontario and got an MBA qualification.

Real Struggle Begins

When Watsa reached London he had only 64 rupees which was valued at 8US dollars at that time. He stayed with his brother and sister-in-law in Canada. He finishes his qualification along with working for a company selling conditioners and furnaces door to door. His struggle was real because he had to work hard to beat the natives so that he could reach the heights he wanted to achieve. In Canada, it was very difficult for immigrants to get the job opportunity before the native citizens.

 Either of all the situations he faces he doesn’t look back, he just continues his work and keeps putting in his efforts until he gets the job and he has to suffer more. Till his master’s degree, he continues to work as a door-to-door salesman. He put great efforts into work, for financial support for MBA qualification. After completing of master’s he starts applying for jobs and after this step by step a businessman came into shape  

Hard Work Pays Off- Success

After spending a year in Canada he became good at making sales. He decided to quit the job and wanted another job. His job application faced huge competition from the native Finally he got selected and called for his second interview at the Confederation Life Insurance Company in Toronto for the place of investment analyst. He got the job. His manager John Watson became his tutor and educated him about Benjamin Graham’s theories of value investing. He work for nine years with a consideration life insurance company.

Later he got the thought of his own company. So he took a small step by starting an asset management firm with John Watson and the company name Hamblin Watsa Investment Council Ltd after a year of asset management firm he took over a small Canadian trucking Insurance Company and relabeled it as Fairfax Financial Holdings Limited. At the time of taking over the company, the company was on a bankruptcy period and after being taken of the company by Watsa its annual revenue went to $8 billion a year in 2012. Prem Watsa has been the Chairman and CEO of the company since 1985 to until now.

[soumyapanda28]

How Sun Life Insurance is making the world a better place

Sun Life Financial is a multinational insurance company in Canada with headquarters in Toronto, Ontario. It has more than CAD$ 1.3 Trillion in assets under control. Sun Life was founded by Matthew Hamilton Gault in 1865. Sun Life helps customers  by providing financial security and healthier lives. It provides innovative financial solutions to private and public sector companies.  Sun Life may be a well-respected company with a long history of giving quality insurance products and services. The company is evaluated as A+ by Standard & Poor’s. Sun Life could be a great choice for customers who are trying to find a trustworthy & reliable insurance provider.

Reasons for choosing Sun Life Insurance:

I] Global Presence — It has a presence in multiple continents like Asia, North America & Europe. II] Financial Strength — By paying claims and benefits promptly to the customers, the company has maintained a strong financial position. III] Innovative Solutions- The company uses the latest technology and innovates its products & services so that it becomes more accessible  and convenient for the customers.  IV] Customer-centric approach — The company goes deep to understand customer’s circumstances and allocates a financial advisor who creates unique personalized insurance products and investment solutions.

Products and Services Offered:

Life Insurance: Life insurance is a contract between you and a life insurance company that may be for a set amount of time or the remainder of your life. This policy guarantees that your beneficiaries will get a tax-free cash payment (also called the death benefit) when you die. The exact amount they’ll get depends on how much insurance you purchase and the type of policy you select.

Term Life Insurance:  Temporary coverage that can last 10, 15, 20, or more years. It’s a cheaper option. But your premiums typically rise if you decide to renew your policy at the end of your term.

Some term plans let you convert to permanent life insurance. Permanent insurance is more expensive than term, but most plans offer premiums that remain the same for the rest of your life.

Permanent life insurance

It’s insurance coverage that lasts forever and never expires. There are three types of permanent life insurance: whole life, universal, and participating life.

Term life insurance is an affordable life insurance policy that gives you financial protection for a certain period. You have a choice of 10, 15, 20, or 30 years for the duration of your term insurance coverage If you die while your policy is still active, then your beneficiaries receive a lump-sum, tax-free payment (called the death benefit).

The company has 4 term life insurance products:

I] Sun Life Go Simplified Term Life Insurance: $50,000, $75,000 or $100,000. It’s a 10-year plan with instant temporary coverage. II] SunSpectrum Term Life Insurance: $50,000 upto $25 million. Tenure can be chosen for 10,15,20 or 30 years.  There is an option to convert to permanent at any time till age 75 it is also applicable to children below 18 years. III] Sun Life Go Term Life Insurance: $100,000 upto $1 million. Instant temporary coverage. Plan for either 10 or 20 years. IV] SunTerm Life Insurance: $250,000 upto $25 million. Choose from 10,15,20 or 30-year plans. Also, there is an option to convert to permanent at any time till age 75.

The company has 3 types of permanent life insurance plans.  I] Whole Life Insurance: Tax-free death benefit A]Sun Life Go Guaranteed Life Insurance B]Sunspectrum Permanent LifeII

II] Universal Life Insurance: tax-free death benefit and the option to grow savings on a tax-preferred basis. A] Sun Universal Life II B] Sunspectrum Universal Life II

III] Participating Life Insurance: Tax-free death benefit. can grow dividends and cash value. A] Sun par Protector II B] Sun par Accumulator II C] Sun par Accelerator

Health Insurance: A health insurance policy or contract provides you, the insured, with financial protection to aid in covering medical expenses. The insurance company may cover your covered medical charges depending on your policy. A monthly premium or cost is paid to the insurance company.

4 types of health Insurance for Canadians living in Canada: I] Personal health Insurance- Pays for healthcare expenses that are not covered by employer, provincial, or territorial plan II] Disability Insurance- replaces income if you cannot work III] Critical Illness Insurance — Covers the cost of coping with and recovering from critical illness. IV] Long-term care insurance — covers the cost of care for you or a loved one for a longer period.

Travel Insurance — Travel insurance is a type of insurance designed to protect you financially during your travels. It provides coverage for unexpected events that can happen while you’re away from home, such as trip cancellations, medical emergencies, lost baggage, flight delays, and other unforeseen circumstances.

Travel Insurance covers trip interruption, translation services, emergency medical care, and for theft of documents.

Mortgage Protection Insurance- It is like a safety net that helps your family if something happens to you. It gives them money to pay off the mortgage and ease their financial burden during a difficult time. The amazing thing about this insurance is that You can keep the coverage even as you pay off your mortgage. You can keep the coverage even if you decide to move to a new home. You get to choose someone you trust to inherit the money (the beneficiary).

Business Owner Insurance-It is a type of insurance designed to protect business owners like you, your partners, employees, and your family. Whether you are just starting your business or looking to grow, this insurance can provide you with valuable protection.

Achievements:

It is ranked number 1 position among insurance companies globally. It has earned a spot on Corporate Knight’s 2023 Global 100 most sustainable corporations in the world for the 14th consecutive year.  It was listed in Dow Jones Sustainability North America Index in 2022 for the consecutive 17th time. It has been named one of the best places to work in Canada by Glassdoor.

Conclusion:

Sun Life offers a wide range of solutions that are suited to your needs, whether you’re searching for life insurance to safeguard your loved ones, making preparations for a peaceful retirement, or hoping to increase your wealth. By selecting Sun Life Insurance as your financial partner, you can confidently embrace the future and begin the process of realizing your goals and aspirations.

[inslyf]

Maximizing Your Coverage and Investments: A Guide to Universal Life Insurance.

If you're a resident of Ontario, Canada and looking for a comprehensive life insurance policy that also allows you to build your wealth, Universal Life Insurance (UL) may be the perfect option for you. This type of policy offers both protection for your loved ones and investment opportunities to help you grow your wealth. In this blog post, we'll guide you through the ins and outs of Universal Life Insurance in Ontario and how you can maximize both your coverage and investments.

What is Universal Life Insurance?

Universal Life Insurance is a type of permanent life insurance policy that provides both a death benefit and an investment component. Unlike term life insurance policies that only provide coverage for a specific period of time, UL policies provide coverage for your entire life as long as you pay your premiums. Additionally, UL policies allow you to invest your premiums in a tax-deferred account, which can help grow your wealth over time.

How Does Universal Life Insurance Work?

Universal Life Insurance policies have two components: the death benefit and the cash value. The death benefit is the amount of money that is paid out to your beneficiaries upon your passing. The cash value is the savings component of your policy that accumulates over time. Your premiums are split between the cost of insurance and the cash value. As your cash value grows, you can borrow against it, use it to pay your premiums, or withdraw it.

Maximizing Your Coverage

One of the benefits of UL policies is that they allow you to adjust your coverage to fit your needs. For example, if you have a young family and need a larger death benefit, you can increase your coverage. As you get older and your financial responsibilities decrease, you can decrease your coverage and reduce your premiums. It's important to regularly review your coverage and adjust it accordingly.

Another way to maximize your coverage is to consider adding riders to your policy. Riders are additional benefits that can be added to your policy for an additional cost. Common riders include accidental death and dismemberment, disability, and long-term care. Adding riders to your policy can provide extra protection for you and your loved ones.

Maximizing Your Investments

One of the key advantages of UL policies is the investment component. Your premiums are invested in a tax-deferred account that grows over time. To maximize your investments, it's important to understand the investment options available to you.

Most UL policies offer a variety of investment options, including stocks, bonds, and mutual funds. Some policies even offer the ability to invest in alternative assets, such as real estate or commodities. It's important to review the investment options and choose the ones that align with your investment goals and risk tolerance.

Another way to maximize your investments is to regularly review your portfolio and adjust it as needed. As your investment goals change, you may need to adjust your portfolio to ensure it remains aligned with your goals. Additionally, it's important to regularly review the fees associated with your policy and make sure they are reasonable.

Choosing the Right Policy

When choosing a UL policy, it's important to work with a licensed insurance agent who can guide you through the process. They can help you understand your coverage options, investment options, and any fees associated with your policy. Additionally, they can help you compare policies from different insurance companies and find the policy that best fits your needs and budget.

How InsLyf Brokerage will help?

InsLyf Brokerage is a licensed insurance brokerage firm that can help you navigate the world of Universal Life Insurance in Ontario. Our team of licensed insurance agents can help you find the right policy that fits your needs and budget. We work with multiple insurance companies to provide you with a variety of options and help you compare policies.

When you work with InsLyf Brokerage, you can expect:

1.       Personalized service

2.       Access to multiple insurance companies

3.       Expert guidance

4.       Ongoing support

InsLyf Brokerage can provide you with the expert guidance you need to find the right Universal Life Insurance policy in Ontario. Contact us today to learn more about our services and how we can help you protect your loved ones and build your wealth with Universal Life Insurance.

[cutenessinanutshell]

What’s up world?

It’s me again. My life has been busy and full of living in the moment these days. Sometimes I like it because I’ve really truly enjoyed things that have come my way. But sometimes I want to write about them so I can immortalized the feeling and never forget how invincible I really truly felt at the time.

I got into this competition in Bali. Im up against Russians, and Australians, and a bunch of people from Asia. There’s no way I’m gonna place and that’s okay with me. I think these things have always been about networking for me. The Ontario pole community has never wanted to foster me and I’ve seeked allyship elsewhere. It’s not that I’m not good enough because I am. I have been validated in more spaces than just my own. My talent has been validated by some of the best in North America. If Ontario doesn’t want me I will dream bigger.

Something I said last year was that the ultimate dream would be to be like all those pole stars. They travel for a living and they teach workshops all over the world. They get to see the world and make money while doing it. I would leave the studio in a heartbeat to do that. I really really would. That dream is very long and winding and complicated but it’s a dream nonetheless. I don’t know I kind of feel like going to Bali where there are like 10 different people I really like watching at my learning disposal, how could I not go? It’s such an opportunity to learn from the absolute best in the entire world. People all over the world that do pole, know these peoples names. What an opportunity. I feel like this is my chance. I have to take it. But the fucking flight is also just SO expensive. It’s 2101 and I’m already travelling so much this year. Im trying to apply for a grant because I really truly believe in the opportunities getting into this competition brings me. This is my chance to see the world, and network with the coolest people in the industry. Bali is beautiful. It’s cheap when you’re there. And it’s BEAUTIFUL. I have to go somehow. I just think that this is a small step towards that dream. I am grateful to the universe for putting this opportunity my way, I just don’t know how I’m going to push it further into fruition. Fingers crossed I can get some grant money 🥺

I have so much money to spend this year. On these vacations, on car insurance, on potentially moving out with TJ. It’s honestly just not in my budget to go to Bali, which is why I’m applying for grants. It’s not a priority but it really truly is a once in a lifetime opportunity. Sometimes I wonder if that’s what my life is going to be. Maybe not super wealthy but my life is full of adventure and things that make me happy. That’s not a bad life I suppose. But I want more. I want wealth and I wand travel. Why can’t I have both? Oh the life of a starving artist.

[cristinasequinemassage]

Website: https://www.equinemassage.co/

Address: Ottawa, Ontario, Canada

I am a Certified Equine Massage Therapist and Certified Myo-manipulative Functional Therapist providing bodywork for horses using several methods, including; Massage, Myo-Fascial Release, BEMER therapy, some Masterson Method™️ techniques, stretching and Kinesiology Taping. My goal is to help your horse achieve better performance, improve overall health, rehabilitate after an injury or illness and keep horses of all disciplines in top condition!

BENEFITS OF EQUINE MASSAGE THERAPY:

--Pain relief --Improved functionality --Fascia release --Improved circulation --Relaxation --Stress relief --More efficient movement --Improved posture, circulation, coat condition and muscle tone --Immune system support --Injury prevention --Stimulation of the lymphatic system

About Me:

I am a Certified Equine Massage Therapist and have obtained the following qualifications:​

Certified Equine Massage Therapist (The School of Equine Massage and Rehabilitation Therapies)

Certified Equine Myo-manipulative Functional Therapist (Holistic Animal Studies)

I am a member in good standing with the International Association of Animal Massage and Bodywork​

I completed The Masterson Method® Beyond Horse Massage Seminar/Workshop

Certified: Sport Horse Injury/Lameness Prevention & Care from the University of Guelph

Certified: Horse Care and Welfare from the University of Guelph

I completed the Balance Through Movement™️ Master Class

I hold a Masters degree in (human) Psychology - B.A., M.Ed

I am always continuing my education and am currently working on my Equine Kinesiology Taping certification.

Horses have been in my life since 1984 in a variety of ways throughout the years - I have boarded horses at stables and have cared for them at home. I competed in the hunter and jumper A circuit (Western Canada) at 1.10m. I have trained my own horses - one off the track and one hombred Connemara. In the 1980/90s we had a Connemara breeding program. I have introduced many children to horse care and horseback riding. And now I am an adult amateur rider and equine massage therapist.

Horses give us so much and it is wonderful to give back to them in this way. They benefit greatly from the moments of relaxation and tension relief that they get from massage as displayed by their lowered head and gentle sighs. The increased performance and quicker recovery times after injury are just some of the benefits of equine massage and is a great way to take care of our equine partners.

Business Email: ctomas@rogers.com

Facebook: https://www.facebook.com/cristinasequinemassage

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[microwavepopcornandpotterheads]

Here's I Asexual?

There's an easy huge sexual action going on. It's not around gay pride. It's not about sex one of many elderly. It's not a hidden Viagra platform I'm speaking of. At present, it's all about your asexual a. e. a. the person who does not have interest in having sex. Will this sound like most people? Case Study *Monica Justin Bieber is actually 24-year-old woman that lives a healthy and additionally vibrant life. She's a satisfying occupation as a registered nurse, loves to swim, and is inside of a new 8-month bond. What's unique around her relationship is actually that neither your lady or her man are interested in making love with each other or anyone for that matter. They are just what they describe when "asexuals", and the place many physicians and psychologists would phone this a problem which should be addressed - Monica and her man feel it is a a part of who they've been and there is nothing bad with it. "There is absolutely nothing wrong around. Me and *Jim have just do not ever experienced sexual attraction. It's not like I will be a woman who employ to enjoy sex also now I don't. Which will very well be hormonal. In my case, I have never had your sexual attraction for any individual - male or female. I spend time snuggling with my boyfriend, going out with her, and all the other nonsexual things couples do. " Coming Out Surprisingly enough, it seems that Monica and her boyfriend are not by themselves. What was once something many people kept to themselves is now taken from the closet and members are very happy finally be able to discover each other and to identify themselves as asexual. Asexuality is surfacing as a new sexual orientation. "I'm type of glad there is a brand for this. I didn't feel broken, merely different, and We didn't know what to call it. At this point slowly but surely I'm selecting others who are just like me. Like this fellow who started this fabulous website - asexuality. org - for people such as us. " Your Growing Debate Leonardo DiCaprio Naturally there is growing discourse in the mental health insurance and medical community about the term asexual. A few professionals believe that those that do not care about having sex at all are possibly experiencing a physical, emotional, or hormonal problem. There are many which define humans when "sexual beings" that should normally have to have a sexual relationship using their partners. Positive Data? People who are asexual think that this is incorrect, and that is just the effort of medical professionals to tell them what is wrong with them in order to fix these. Or it is just out of ignorance that a lot of professionals don't know regarding this community of people. But slowly things are beginning to change. Concrete research is a product most professionals need as proof of attention. In a study held last year (2004) as a result of Anthony Bogaert, some sort of psychologist and people sexuality expert at Brock University inside St. Catherines, Ontario-- results concluded that 1 in 100 grownups were asexual. Which can be defined as 1% with the population which is not necessarily too far behind the 3% of the inhabitants who are gay. Celibate or Asexual? Who find themselves Billy Corgan asexual want it to get known that there is some concrete difference concerning celibacy and asexuality. Someone who is celibate is someone who has chosen to abstain from having sex - Asexuals haven't made that selection. Just as the heterosexual didn't choose to be consumed by the opposite sex or even the homosexual don't choose to be attracted to exactly the same gender - neither of them has the asexual produced a choice - it is really just the way they have invariably been. Is this an alternative thing? The only thing completely new about asexuality could be the fact is that there is finally some scholarly analyze and research beginning on the topic thereby it is receiving even more media and therefore open public attention.

[insuredcan]

What is Whole Life Insurance? Get a Secure & Stable Custom Plan

As a type of permanent life insurance, whole life insurance offers coverage you until you expire. The premiums and death benefit are the same during the course of the duration of the insurance contract. A whole life policy also bundles as an investment device. A part of your premium payments go into a savings account that grows tax-deferred at a rate fixed by the insurer.

However, returns on investment are lower than other investment vehicles, partly for the reason that the provider deducts administrative fees for managing the insurance policy where another investment type insurance company might not.

Benefits of Whole Life Insurance

Safeguard for life

A Whole Life Insurance in Toronto by Insuredcan is a contract without an end date. The security of knowing that your loved ones will obtain a guaranteed death benefit upon your death, irrespective of when you pass away, is a great comfort.

Level Premiums

The premiums paid stay the same throughout the life of the Whole Life Insurance in Toronto by Insuredcan. Some policies permit the policyholders to pay off the policy early. After that, you won’t have to pay premiums, though the insurance coverage will remain in force until your demise.

Builds Cash Value

Cash value is an imperative selling point for whole life insurance. It is a savings account built into your policy that develops with time. You can borrow from or against the cash value and even use it as security for third-party loans.

Typically, this type of Whole Life Insurance in Ontario by Insuredcan builds up cash value slowly to start with but then picks up the pace after certain years. Eventually, your policy’s cash value may accumulate adequate that you could use it to pay policy premiums until your death.

Various Kinds of Whole Life Insurance

There are many types of Whole Life Insurance in Ontario by Insuredcan. Whatever your requirements are, you’re probable to find one that’s right for you.

Ordinary whole life insurance

The premiums paid stay alike so long as you live. The policy builds cash value that grows at a tax-deferred basis. You don’t get to select how the guaranteed cash values are invested. The initial annual cost will be much greater than a term life insurance policy of the same amount.

Limited payment whole life insurance:

You pay the essential premiums for a limited number of years, like 5, 10, or 20 years. The benefits, however, last your complete life.

Single premium whole life (SPL) insurance:

In exchange for a single large payment, the insurer promises a certain death benefit until you die. Cash value builds up much faster for the reason that the policy is fully paid off.

Survivorship life insurance

It insurers two people instead of one. The policy can be joint-last-to-die. This means beneficiaries obtain the death benefit only after the death of the second insured. For this reason, this sort of policy also goes by the name of second-to-die life insurance.

Universal life (UL) insurance

You can vary the premium payments as well as adjust the death benefit as you see fit. In addition, the value of growth is not in the form of certain cash. You get to decide how the insurer invests the policy’s cash worth.

Variable universal life (VUL) insurance

The policy’s death benefit and cash value are tied to a specific investment account. They upsurge if the value of the chosen investments goes up. But they can also shrink significantly if the fund underperforms.

Partaking whole life insurance

You have the right to participate in the surplus earnings of your insurer and obtain an annual dividend whenever the life insurance company makes an excess profit. You can obtain funds in cash or use them to purchase an additional coverage amount or reduce future premium payments. Alternately, you can leave dividends on deposit with the insurer as well as earn interest.

Final Expense Insurance

It has a small death benefit and as such is more inexpensive and easier to qualify than the standard permanent life insurance policy. Also known as burial insurance, it is designed to pay for end-of-life expenses, like medical bills in addition to funeral expenses.

[angeog2260]

Agriculture: The Future

If I were to conduct a research project in the future, I would look to direct research based around my home roots. Growing up on a farm my entire life with a beef business, which eventually transferred to crop research, has allowed me to gain knowledge first hand on the farm. With my family being heavily involved within the research agriculture industry, I believe that having this experience would maximize my potential research. I enjoy looking at how soil conserving techniques (no-till practices, crop rotation, cover cropping, and something as simple as rotating the direction the crops are planted) and how that can benefit crop yields in the future while also preserving the soil. More specifically, I would look to conduct this research in Ontario. It would be impractical to study worldwide to account for all of the different regions, climates and soil types so I would restrict my studies to Ontario. I would look for support from the Agriculture Research Institute of Ontario (ARIO). The ARIO’s mission statement states that “ARIO is dedicated to the strategic use of science and innovation to enhance the sustainability and profitability of Ontario’s agri-food and rural sectors” (ARIO, 2021). This is an Ontario Government website so I could use it as a reliable and valid source.

Conducting the research itself is an expensive task so having limitless resources would be crucial. I would look to team up with some of the leading agriculture companies (Pioneer, Monsanto, Syngenta, etc.) and some of the more small scale companies to avoid biases. Depending on how recent the company has emerged, I would use both short and long-time research history to enhance my modern research. I would use a critical approach to my research, which “enables how society functions and how satisfactory functions can be changed” (Hooykaas, 2021). Having my family’s agriculture business help me ensure that I meet the requirements would be critical.

One of the most significant things I would be sure to do is conduct this research in different locations (with contrasting climates) with varying soil types and compositions (clay, silt, sand) in Ontario. This would allow diversity within my study and so that I am not restrictive in my research. Most of my research would be considered as long term observable analysis because of the changes that can occur depending on weather, season, crop, and soil composition. I would need more prolonged periods of time to ensure that I am getting all of the data necessary for this study to be useful for the emergence of the future in agriculture. With this, I would be using a combination of qualitative and quantitative research methods to ensure that the limitations of one research method will be enhanced by using the other.

I am confident that agriculture is an industry that is heavily relied on, whether one knows it or not. Farming provides endless opportunities and jobs within the sector and it is also a significant contributor to the economy and society. I would like to say that most people would benefit from this research, but more specifically, the agriculture industry as a whole (farmers, insurance companies, people relying on agriculture as the primary food source, families, seed researchers).

I believe that conducting more research within this industry is pivotal because it increases crop productivity. Higher yields allow the production of large quantities of agricultural output at a lower cost, improving the economy. With the help of new technologies that are continually emerging to keep up with the demand, this is a critical movement into the future of agriculture. What are your thoughts on agriculture research?

This is a picture I took on an agricultural research planter. This is different than the "normal planter" as there are two people ripping envelopes and dumping them into the planter one at a time. This creates plots that each have different breeds of a crop.

References

Hooykaas, A. “Philosophy, Power, Politics and Research.” University of Guelph, 2021.

Agricultural Research Institute of Ontario (ARIO). (2021). Retrieved February 04, 2021, from http://www.omafra.gov.on.ca/english/research/ario/institute.htm

[aroace-avenue]

I look at the world through an aro perspective. That often means asking myself how the world is built around amatonormativity, who that hurts and leaves behind, and what exists beyond it.

While this isn't a universal aro experience, I think an aro perspective can bring to the front questions like "what if someone never has a romantic partner, what does their life look like then?". And, oh boy, once you start you can't stop seeing how so so much of our world is built around the assumption that everyone will have one.

We broadly expect most of the emotional support every person needs to be provided by their partner. We expect that there's a partner to come home to at the end of the day to vent to and to talk to about our fears. Especially in out middle age, where most of our peers are partnered, in the height of their careers and raising children. How many middle aged people do you know with strong friendships? How many of them seem to have one person be their main (and at times only) close relationship and source of support? (My parents and all of my parents friends seem to be in that second boat).

We expect them to be the people we take time off of work to care for. Would your boss stare at you sideways of you had to take the day off to visit a friend in the hospital? Would they be more understanding if it was your partner/spouse?

Insurance is a really obvious example of this. You can get your spouse on your insurance or be on your spouses insurance. If you live somewhere with (inadequate) universal health care, your two options are to either get a good job, or marry someone with a good job. For a ton of reasons (*cough* capitalism *cough*) good jobs aren't available to everyone and they certainly aren't accessible to everyone. So, what happens to the unpartnered people without these good jobs?

Even the care we give and receive from our children is restricted by the bounds of romance. Raising a child on your own isn't possible for a lot of people (I highly doubt I'd be able to do it with my depression and fatigue). But, if you aren't in a romantic relationship your options are almost nonexistent then. Adoption can be a complicated (and potentially expensive) web of amatonormativity to crawl through (see the two friends from Ontario who had to get the law changed to be legal coparents). If you aren't able to/don't want to raise a child on your own, and you aren't romantically partnered then it's an uphill battle to be a parent and care for your child.

Not only that, but we often expect a decent amount of the care we will all need when we are older to come from our children. If we were never in a position to be able to raise children (even if we wanted to), what does that mean for our later years?

And so so so much more. The world I live in wasn't built for people who never have a romantic partner. And it's becoming more obvious to me every day.

[tinyshe]

Bill Gates: America’s

The co-founder of Microsoft and his wife debut on the LAND REPORT 100, as America’s largest private farmland owners.

Call it a hunch, but the story did not jibe. I scanned the headline for the umpteenth time and then read and reread the pertinent details. Something was missing. Either that or I had a screw loose. According to the Tri-City Herald, a 14,500-acre swath of choice Eastern Washington farmland in the Horse Heaven Hills of Benton County had just traded hands for almost $171 million. That’s a ginormous deal, one that pencils out to almost $12,000 per acre for a whole lot of acres. Pretty pricey dirt, right? That’s exactly what I thought. Especially when it comes to row crops like sweet corn and wheat, which were grown in rotation with potatoes on 100 Circles, which is the name of the property that changed hands. Then again, farmers and investors in the Mid-Columbia River market expect to pay $10,000 to $15,000 for good ground. Anyone who has ever studied the Columbia River Basin knows that the tillable acreage there is coveted ground, a geologic wonder. The soil profile and underlying silty loess are in a league of their own.

I had gained this smidgen of geologic proficiency while researching our 2018 Farmland Deal of the Year, Weidert Farm, in neighboring Walla Walla County. One of the most telling moments in the field that summer came when a soil scientist by the name of Alan Busacca grabbed a shovel and stepped into a 10-foot trench that had been ripped open on the farm by a Caterpillar 336. Dusky layers of silt and sand towered over the 6-foot-tall retired Washington State professor. There wasn’t a rock, let alone a pebble, or even a root to be seen in the soil. Busacca was in his element: It was some of the richest farmland in the Lower 48. And from an agricultural perspective, the region surrounding Walla Walla and the Horse Heaven Hills has evolved into a commercial hub, complete with controlled atmosphere (CA) storage, state-of-the-art transportation infrastructure, and ready access to low-cost hydropower.

These are a few of the reasons why savvy investors have been plowing millions of dollars into farmland on both the Oregon and the Washington sides of the Columbia River Gorge. At current valuations, it’s one of the nation’s best farmland opportunities. In 2018, when 100 Circles sold, it was even better.

More often than not, farmland sales involve hundreds of acres. Thousand-acre transactions — such as the sale of 6,000- acre Weidert Farm to Farmland L.P. two years ago and the 6,175-acre Broetje Orchards acquisition by the Ontario Teachers’ Pension Plan last year — are blue-moon events.

Tens of thousands of acres? Only sovereign wealth funds and institutional investors can stroke a check for tracts in that league, which is exactly what occurred on the sell side of the 100 Circles transaction: The seller was John Hancock Life Insurance, a multibillion-dollar asset manager with key holdings in all the major US markets as well as Canada and Australia.

The story went dark on the buy side, however. The Tri-City Herald reported that the purchaser was a “Louisiana investor,” a limited liability company associated with Angelina Agriculture of Monterey, Louisiana. Sorry, but that didn’t pass the sniff test.

The Land Report tracks numerous Louisiana landowners; Angelina Agriculture is not one of them. Let’s call that strike one. The burgeoning metropolis of Monterey, population 462, rang a bell, but despite my best efforts, I couldn’t connect the dots to anyone whom we had profiled in The Land Report or, for that matter, anyone who was on our watch list. So I took a look at Dun & Bradstreet. At its listed headquarters — 8318 Highway 565 — Angelina Agriculture boasted two employees and reported annual revenues just north of $300,000. Given the size and cost of 100 Circles, both of those figures made no sense at all. Strike two. How about Google Maps? An aerial image of the Highway 565 address revealed a small metal-sided building off by itself in the woods. Strike three, right?

One of my favorite Clint Eastwood movies is the 1999 mystery/thriller True Crime. In it, the four-time Academy Award winner plays an over-the-hill journalist who has “a nose” for a story. I am quite confident that Eastwood’s character, Steve Everett, would have picked up the stench from this setup a mile off: a $171 million acquisition by an LLC with two employees in a metal-sided building down a dirt road off the Bayou Teche? I forwarded the lead to our Land Report 100 Research Team. Minutes later, a terse response arrived:

“Ever hear of Bill Gates?”

THE PROMISED LAND | Farmland in Eastern Washington and neighboring Oregon is blessed with abundant moisture, cheap electricity, and unrivaled soils.

THE PAPER TRAIL

Actually, when it comes to the extensive farmland portfolio of Bill and Melinda Gates, the question should be, “Ever hear of Michael Larson?” For the last 25 years, the Claremont McKenna College alum has managed the Gateses’ personal portfolio as well as the considerable holdings of the Bill & Melinda Gates Foundation. (Although our researchers identified dozens of different entities that own the Gateses’ assets, Larson himself operates primarily through an entity called Cascade Investment LLC.)

In 1994, the Gateses hired the former Putnam Investments bond-fund manager to diversify the couple’s portfolio away from the Microsoft co-founder’s 45 percent stake in the technology giant while maintaining comparable or better returns. According to a 2014 profile of Larson in the Wall Street Journal, these investments include a substantial stake in AutoNation, hospitality interests such as the Charles Hotel in Cambridge and the Four Seasons in San Francisco, and “at least 100,000 acres of farmland in California, Illinois, Iowa, Louisiana, and other states … .” According to the Land Report 100 Research Team, that figure is currently more than twice that amount, which means Bill Gates, co-founder of Microsoft, has an alter ego: Farmer Bill, the guy who owns more farmland than anyone else in America.

The Gateses’ largest single block of dirt was acquired in 2017: a group of farmland assets owned by the Canada Pension Plan Investment Board. Based in Toronto, the Canada Pension Plan Investment Board began assembling an agricultural portfolio in 2013, when it acquired AgCoA, aka, Agricultural Company of America. This private US farmland REIT was a joint venture between Duquesne Capital Management and Goldman Sachs that launched in 2007. Over the next five years, AgCoA acquired more than 100,000 acres in nine states. By the time it was sold to the Canada Pension Plan Investment Board in 2013, AgCoA ranked as one of the leading institutional owners of row crop farmland in the US.

After AgCoA, the Canada Pension Plan Investment Board acquired a second tranche of farmland assets when it paid $2.5 billion for a 40 percent stake in Glencore Agricultural Products in 2016. The very next year, however, the Canada Pension Plan Investment Board began shedding these very same farmland assets as quickly as it had acquired them. And it did this so quietly one might even say it was done in secret.

There was no public announcement, and no notice in the business press. Instead, the Canada Pension Plan Investment Board revealed in the fine print of a quarterly statement that it had sold $520 million in US farmland assets held by Agriculture Company of America. Credit Chris Janiec at Agri Investor for this eagle-eyed investigating. The Americas Editor at Agri Investor, Janiec reported that the assets had been offered as a single block and “that Microsoft founder Bill Gates is thought to be the buyer of CPPIB’s farmland.” Janiec stayed on the story, and the following year, he confirmed the parameters of sale when he reported the addition of 61 properties valued at approximately $500 million to the National Council of Real Estate Investment Fiduciaries’ (NCREIF) US Farmland Index. This half-billion-dollar figure corroborated the AgCoA acquisition, and the paper trail led directly to Cascade Investment LLC.

All told, the 2017 acquisition of AgCoA and the 2018 acquisition of the 100 Circles tract in the Horse Heaven Hills of Eastern Washington total an investment in farmland assets of more than $690 million. Janiec’s sources said some of the AgCoA assets were quickly sold off, but according to the Land Report 100 Research Team, an estimated 242,000 acres of farmland remained.

Yet farmland assets aren’t the sole component of the Gateses’ landholdings. In 2017, Cascade Investment bought a “significant stake” in 24,800 acres of transitional land on the western edge of Phoenix, the most populous city in Arizona and the 10th largest metropolitan area in the country. The acreage sits off Interstate 10, and it is poised to be accessible by Interstate 11, a proposed highway that would traverse 5 miles of the 40-square-mile holding. At buildout, the Belmont development will create a brand-new metropolis, one similar in size to the Phoenix suburb of Tempe, home to Arizona State University and almost 200,000 residents. According to The Arizona Republic, Belmont is projected to include up to 80,000 homes; 3,800 acres of industrial, office, and retail space; 3,400 acres of open space; and 470 acres for public schools.

Cascade Investment doubled down on Phoenix transitional land two years later when it made a second major investment by acquiring more than 2,800 acres known as Spurlock Ranch in Buckeye for $25 million.

SUSTAINABLE INVESTING

A spokesman for Cascade Investment declined to comment on any of the details associated with these transactions or the Gateses’ holdings, other than to say that Cascade is very supportive of sustainable farming.

Much like the Bill & Melinda Gates Foundation uses science and technology to achieve a number of worthy goals — including transitioning millions of people out of poverty, improving people’s health and well-being, and ensuring that all people have access to opportunities necessary to succeed in school and in life — Cascade’s farmland holdings also aim to further laudable objectives.

In January 2020, The Land Report announced the launch of a sustainability standard that was developed by US farmland owners and operators. Called Leading Harvest, the organization’s goal is to create a sustainability standard thatcan be implemented across the greatest swath of agricultural acreage. Currently, more than 2 million acres in 22 states and an additional 2 million acres in seven countries are represented. Among the participants in the 13-member Sustainable Agriculture Working Group are Ceres Partners, Hancock Natural Resources Group, The Rohaytn Group, and UBS Farmland Investors.

Not surprisingly, one of Leading Harvest’s other inaugural members is a Cascade entity called Cottonwood Ag Management. Committing the resources to launch this all-important standard validates the assertion that Cascade supports sustainable strategies that advance resiliency and efficiency, retain talent, and reduce regulatory burdens.

Although the Bill & Melinda Gates Foundation has no ties whatsoever to Cascade or its investments, it also has a farmland initiative: Gates Ag One, which has established its headquarters in the Greater St. Louis area. According to the St. Louis Business Journal, Gates Ag One will focus on research that helps “smallholder farmers adapt to climate change and make food production in low- and middle-income countries more productive, resilient, and sustainable.”

A CLOSING NOTE

Remember that metal-sided building down near the Bayou Teche? Turns out that very same property had caught my eye way back when The Land Report was preparing to launch in 2006. Does the name Bernie Ebbers ring a bell? Once upon a time, the business press dubbed the colorful entrepreneur “the telecom cowboy.” That was before the Edmonton native was put on trial for his role in what was, at the time, the largest corporate bankruptcy filing in US history.

In 2005, the former WorldCom CEO was convicted of securities fraud, conspiracy, and filing false reports that were instrumental in WorldCom’s $11 billion dollar accounting fraud. After losing his appeal in 2006, Ebbers spent most of the rest of his life in a federal prison before being granted compassionate release by a federal judge earlier this year. He died on February 2 surrounded by his family.

Ebbers was many things — a dreamer, a liar, a swindler — and he loved land. In 1998 when he was the toast of Wall Street, the telecom cowboy paid British Columbia’s Woodward family the astronomical sum of $73 million for Canada’s largest ranch: 500,000-acre Douglas Lake, a 22,000-head cattle operation. Ebbers subsequently pledged Douglas Lake as collateral for $400 million he ended up borrowing from WorldCom, and in 2003, WorldCom sold Douglas Lake to Kroenke Ranches. The $68.5 million that Kroenke Ranches paid was applied to Ebbers’s IOU. He also owned a 26,236-acre Louisiana farm. It, too, was sold, on September 25, 2006, the day before Ebbers began serving his sentence at the Oakdale Federal Correctional Institution. It was his last deal as a free man.

When Ebbers owned this Louisiana farm, it was known as Angelina Plantation. And its headquarters was in — you guessed it — Monterey, Louisiana. That was the missing piece of the puzzle I had been searching for as I read the Tri-City Herald story. In a former life, Angelina Agriculture, the purchaser that paid $171 million for 100 Circles in 2018, was, in fact, Bernie Ebbers’s Angelina Plantation. The day before he went to prison, Ebbers sold Angelina for $32 million. The farm was subsequently sold to AgCoA, which was acquired by the Canada Pension Plan Investment Board. In 2017, Angelina Plantation changed hands one more time and became one of the principal farmland assets in the Gateses’ Cascade Investment’s portfolio.

It took a dozen years, but the ownership of that Louisiana farmland went from Bernie Ebbers to Bill Gates with a couple of stops in between. I readily admit forgetting where and when I first caught wind of it, but the moment I read that Tri-City Herald story, I knew the ending definitely needed a rewrite. Steve Everett would be proud.

[loudlytransparenttrash]

In June, an Oberlin bakery won their lawsuit against Oberlin College and a top university administrator, after three black students claimed that they had been racially profiled. The accusation led students, professors, and even some in the Oberlin administration launching a massive boycott of the bakery, including protests and pickets outside the store. The school even canceled its contracts with the bakery, which has been owned and operated by the same family for over a century and has been a popular spot for Oberlin College students within walking distance of campus. After investigations though and a year-long lawsuit, the allegations proved to be a lie, the students admitted they had in fact been kicked out after being caught stealing from the store.

Advocacy groups like the Southern Poverty Law Center make headlines by claiming that hate crimes have surged since Trump’s election but the real surge is in hate crime hoaxes, especially among university students. Almost all of that surge is due to the simple fact that in 2017 the number of hate crime reports increased by 17 percent. Taking into account that 1 in 3 of reported hate crimes turn out to be hoaxes and almost none have lead to convictions, the surge narrative is pretty dishonest. And destructive. The perception that red hat-wearing, hate-filled mobs are roaming the streets attacking minorities, gay and transgender people in the name of Donald Trump keeps us on edge. It also creates a gullibility that allows us to believe things we should know aren’t true. Like Juicy Smollett’s ridiculous tale of being attacked by two MAGA-hat-wearing Klansmen in Chicago. Before the actor’s tale unraveled, it was wildly parroted by a media too eager to believe anything that confirms its conviction that America under Trump’s presidency is rife with racism and bigotry. These hoaxes began immediately after Trump won.   

The day after the 2016 election, a student at Bowling Green State University said that she was attacked by white Trump supporters, who threw rocks at her. Police concluded that she had fabricated the story. That same day, a University of Minnesota student, claimed in a viral social-media post that she was detained by police after fighting a racist man who had attacked her. Campus and local police said that they had had no contact with her. And again that day, a Muslim student at the University of Louisiana at Lafayette made up a story about being attacked and robbed by Trump supporters, who supposedly ripped off her hijab. For weeks after Trump’s election, America was fed a series of outrageous stories of campus race hatred that fell apart upon examination.

This trend of student hate crime hoaxes has continued. In May 2017, St. Olaf College in Minnesota was roiled in mass “anti-racism” protests that caused classes to be cancelled. a black student activist, was found to be responsible for a racist threat she left on her own car. In September of that year, five black students at the U.S. Air Force Academy Preparatory School found racial slurs written on their doors. An investigation later found that one of the students targeted was responsible for the vandalism. In November 2018, students at Goucher College in Maryland demanded social-justice training and safe spaces after “I’m gonna kill all n—s” was discovered written in a dorm bathroom. A black student was responsible for the hoax. That same month, thousands of students at Drake University protested after racist notes turned up on campus. An Indian-American student pled guilty for targeting herself and others. Here’s some more from just the last few months:

A sixth-grade girl from Springfield, Virginia, wept on television as she recalled how she was pinned down during recess by three white male students. “They put me on the ground,” she said. “One of them put my hands behind my back. One put his hands over my mouth. One cut my hair. They were saying that my hair was ugly, that it was nappy.” Many outlets jumped on the tale and turned it into a national crisis. New York Times, MSNBC, CNN and Washington Post all ran daunting articles, proving “the rise in hate crimes in the Trump era.” Democrat Rashida Tlaib published a personalized message on Twitter to the girl, saying her blackness threatened these white boys to their core, that’s why they did it. The accused boys were never sought for comment. On the contrary, the NAACP demanded “immediate disciplinary action” against the minor suspects. All over Twitter people found a way to blame Trump. A few days later the girl confessed she had cut her own hair off and made the story up. Her grandparents later wrote an apology on her behalf.

Talha Javaid, a 23-year-old immigrant from Pakistan who lives in Ontario posted screenshots on Twitter purported to be a text from a bigoted white parent who didn’t want him coaching ice hockey to their son. Javaid’s tweet went viral. Within a week it racked up more than 11,000 retweets and more than 56,000 likes. An outpouring of support came from the public, hockey stars and journalists, who praised Javaid and condemned racism and Islamophobia. He received job offers to coach in both Canada and the U.S. “And they try to convince us racism doesn’t exist anymore or in hockey,“ San Jose Sharks hockey player Evander Kane tweeted. Turns out that Javaid doesn’t even coach ice hockey to kids. When the rink where Javaid claimed to coach was contacted, the facility said they have never heard of Javaid nor the ice skating classes he allegedly was holding. “We’ve never heard of him. He’s never taught here.” This is not the first time Javaid has claimed to be the victim of Islamophobia. In September 2017, he said he found a note on his car that read: “Muslim! Go Home! Make Canada Great Again. MAGA. MCGA.” 

Former NFL player, Edawn Coughman, called 911 to report a hate crime inspired burglary at his pizza restaurant in Lawrenceville, Georgia. When officers arrived, they saw several racist words, swastikas and the word "MAGA" sprayed on the walls and booth cushions in black spray paint. “Several booth cushions were sliced open. They also found broken mirrors, cut wires, and a damaged video surveillance system. The smell of spray paint was very fresh.” A witness reported the suspect was driving a black car without a license plate. Officers pulled over a vehicle that matched the description - it was Coughman driving. They noticed "several televisions in the bed of the truck and inside the cab," some of which were "still attached to the brackets with damaged drywall.” After he was arrested, police found a yellow crow bar and cans of black spray paint in his vehicle. "It appears as though Edawn conjured a premeditated plan to damage his own property, attempt to make it appear as a hate crime, file a claim with his insurance company, and sell off the undamaged appliances and electronics," police said.

Democrat politician Erica Thomas cried her eyes out during a Facebook live video, stating she "feared for her life" after a white man "verbally assaulted" her. “This white man comes up to me and says, 'you need to go back where you came from!'" she said. “I was helpless.” She also told police officers the man walked up to her with clenched fists. The hashtag #IStandWithErica quickly began trending on Twitter. Beto O’Rourke blamed Trump for “fomenting hate every day,” Bill de Blasio tweeted “this is on Trump and every single person who refuses to condemn his vile racism,” while every mainstream media outlet ran stories linking this “attack” to Trump and his supporters. When police investigated, witnesses told them it was in fact Thomas telling the man to go back after he argued with her about the express lane. The employee told police that after the man accosted Thomas for ignoring the express lane rules, he began to leave but “Ms. Thomas kept ‘running her mouth’ as she approached him.” Video footage shows the man never had his fists clenched, was not irate and for someone who was so scared and helpless, Thomas followed after the man as he walked away. In a later interview, Thomas admitted that she doesn’t know if the man, who is a life-long Democrat, actually told her to go back to where she came from or not. 

The number of hate crime hoaxes by far exceeds the number of convictions. Almost every high-profile hate crime incident never happened. The real problem is that highly publicized fake hate crimes usually receive little public coverage after it is revealed that the original accusation was a hoax, meaning all the hatred, division and fear whipped up by the media and Trump’s opponents against the president and his supporters remain intact when they should be relieved. With the preoccupation with identity, privilege, and oppression, our media and higher education increasingly promote a paranoid climate of perpetual crisis for their own gain. The saddest part is Americans are bound to become ever more cynical and skeptical of hate crimes even when they actually happen.