![]() You should read this Prospectus carefully before investing and keep it for future reference. Depending on current market conditions, you can make or lose money in any of the Investment Divisions. We do not guarantee the investment performance of the Is not available for policies issued in the State of New York. The Investment Divisions noted below are available regardless of the M&E Charge structure that you choose. You can split your premium payments among a Fixed Account, Our Dollar Cost Averaging programs, and the Investment Divisions listedīelow. This means your earnings are not taxed until you take money out of your policy, which can be done in several ways. Your premium payments accumulate on a tax-deferred basis. Please see TABLE OF FEES AND EXPENSESPeriodicĬharges Other Than Fund Company Charges for more information. Once the M&E Charge option is chosen it cannot be changed.įor Accumulation Value based M&E Charge policies, the M&E Charge is assessed based on the Accumulation Value of the policy and will vary with fluctuations in the policys Accumulation Value.įor Premium based M&E Charge policies, the M&E Charge is assessed based on the Adjusted Premium Payments and will not vary with fluctuations in the policys Accumulation Value. You must choose your M&E Charge option prior to the issuance of the policy. The M&E Charge assessed to your policy will be based on the option You can choose to have the Mortality and Expense Risk and Administrative Costs Charge (M&E Charge) associated with your policyĪssessed based on either the Accumulation Value of the policy (which invests in Separate Account III) or the Adjusted Premium Payments (which invests in Separate Account IV). The principal difference between the single premium version and the flexible premium version of the policies is that under the single premium policies you can only make one premium payment. Appendix 1 of this Prospectus modifies the May 1, 2012 Prospectus for the policies to describe the single premium NYLIAC offers an individual single premium version of the policies in some states. Premium Credit may be higher than those for other policies and, over time, the amount of the Premium Credit may be more than offset by those higher charges. (See PREMIUM CREDIT.) Fees and charges for a policy with a NYLIAC will apply a Premium Credit to your premium payments. May be subject to a surrender charge and/or tax penalty), a choice of when Income Payments commence, and a guaranteed death benefit if the owner dies before Income Payments have commenced. The policies offer flexible premium payments, access to your money through partial withdrawals (some withdrawals You can use these policies with retirement plans that do or do not qualify for special federal income tax treatment. We designed these policies to assist individuals with their long-term retirement planning or other Individual flexible premium New York Life Premier Plus Variable Annuity policies issued by New York Life Insurance and Annuity Corporation (NYLIAC). NYLIAC Variable Annuity Seperate Account-IV NYLIAC Variable Annuity Separate Account-III NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION No other material changes were made to the prospectuses contained in the Amendment. Of the Investment Protection Plan II Rider that will be available as of May 1, 2012. ![]() ![]() The prospectuses contained in the Amendment for the New York Life Premier Variable Annuity and New York Life Premier Plus Variable Annuity note the inclusion New York Life Premier Variable Annuity and the New York Life Premier Plus Variable Annuity. The Amendment includes prospectuses for the (which will include the appropriate financial statements) and the prospectuses contained therein. Registrant will file a subsequent amendment pursuant to Rule 485(b) to include annual update changes to the registration statement We are asking that theĪmendment become effective automatically 60 days after filing pursuant to Rule 485(a)(1), on April 15, 2012. ![]() Registrant is filing this Post-Effective Amendment No. 4 for the purpose of noting that the Investment Protection Plan II Rider will be available as of May 1, 2012. Units of interest in a separate account under variable annuity contracts. This post-effective amendment designates a new effective date for a previously filed post-effective amendment. On pursuant to paragraph (a)(1) of Rule 485. On pursuant to paragraph (b) of Rule 485.Ħ0 days after filing pursuant to paragraph (a)(1) of Rule 485. Immediately upon filing pursuant to paragraph (b) of Rule 485. It is proposed that this filing will become effective (check appropriate box) (Address of Depositors Principal Executive Office)ĭepositors Telephone Number: (212) 576-7000Īpproximate Date of Proposed Public Offering: Continuous NYLIAC VARIABLE ANNUITY SEPARATE ACCOUNT-IV As filed with the Securities and Exchange Commission on February 14, 2012
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![]() I’m like a broken record… but I cannot help but love all these poems that I come across and want everyone around me to hear them because of how unique and relevant they are. I think it’s come to the point in this post where I say how important I believe this poem is and how I think it’s one for everyone to listen to at least once in their lives. So many things we call entertainment today revolve around R rated language and visuals and because of that, it is always a nice change when we come across artists like Gemineye. Getting intimately closer as we approach theĬlimatic altitude of nude, mental, sensational… conversation.” “Can I offer you a penny for your thoughts?Īnd one penny for our minds engaged not so sexually. He goes about this poem by using what one would assume to be sexual language but flips the meaning and uses it to describe his desire to learn about what’s most important our mind. The poem I want introduce you guys to today, and one of my top favorite poems (pretty much) of all time, is “A Penny for Your Thoughts.” This poem is definitely way different than any of the other poems I’ve discussed on this blog because it talks to us on an extremely personal level. A lot of poets experiment and try out different styles until they come to find the specific one that defines their artistry, however, listening to Gemineye’s work, he seemed to have found that early on. Gemineye is known for his eye opening and inspiring poems and what I find to be great about him is that his style stays consistent while still keeping his work intriguing. He’s appeared on three seasons of this HBO show and has reached audiences around the globe with his poetry including the US, Canada, Turks & Caicos, England, South Africa, Switzerland, and more. Hip-Hop artist Mos Def hosted this series and it featured a vast range of artists from Kanye West to Saul Williams to the poet I’m going to be talking about today: Gemineye. ![]() (If you haven’t seen or heard of it, I highly recommend you check it out). meaning your voice.Def Poetry Jam was a spoken word poetry series on HBO that premiered in 2002 and ran until 2007. I’ve always cared more about the explicitly illicitness Of sexually unadulterated mental connection?Īnd took the time in the moonlight of that nightĪnd while we probably moves in too quickly into some sexual stuff ![]() Taking my time to find out everything about you. I’m penetrating every entrance… to your mind. I wanna feel the heartbeat of all your inner rhythmsĪs they lead me toward your warm, wet, waterfalls of feminine thoughts. If you can keep a relationship long enough to be somebody’s wife. While confiding and describing the tough times you’ve had in life I’d rather be naked and exposed, holding you So I can get an oral fix from each orifice I want to lick every inch of every crevasse I’m trying to find and define the fibers of which your mind speaks.īy putting a two karat solitaire diamond ON YOUR MIND While they are trying to get deeply imbedded With which most guys have chose to approach you. I’m trying to close the door on that all too familiar freaky foreplay game. ![]() So these are not your typical, sexual, poetical prose. Getting intimately closer as we approach theĬlimatic altitude of nude, mental, sensational… conversation.īecause I’m trying to get to know everything about you Enjoy!Ĭan I offer you a penny for your thoughts?Īnd one penny for our minds engaged not so sexually. I know he is quite fast, so if anything below is his complete poem. I haven’t heard about him in a while since he was in the Def Jam show. I just love this guy! He is from New York and is amazingly refreshing. ![]() You can adjust the max fee and pay more to execute the transaction. In Metamask in particular, the max fee equals the base fee plus tip. But wait… What is the “max fee” I see in my wallet? Generally, if there’s a transaction you need to execute quickly, a higher tip is a good bet that the miners will pick it up sooner. You can set the tip as high or low as you want, and some wallets will provide a suggestion. To continue providing incentives for the miners, the London upgrade now allows users to set the tip, i.e. With the London upgrade, the base fee is determined by the network, and once paid, the ether is burned, i.e. Prior to this upgrade, the base fee was determined through users bidding to get included in the block. TipĪlso known as the priority fee, this is another London upgrade innovation. The base fee changes based on the current network demand, going up when more users are all trying to get transactions written to the blockchain at the same time. The good news with the London upgrade is that the fee is calculated based on previous blocks, making gas prices more predictable. Each block has a minimum base fee that needs to be met for a transaction to be included. The London upgrade introduced the base fee, which is expressed in gwei. While most wallets give you a choice of a low, medium or high gas limit, you can also manually set your limit (for instance, making it even higher if you’ve got a transaction you want to be certain gets completed quickly). Anything less than that means your transaction won’t get picked up and processed by miners.Īs transactions get more complex, the 21,000 limit required to execute the transaction increases. ![]() It’s expressed by units - for example, for basic Ethereum transactions, the minimum gas limit is at least 21,000 units. Gas limit represents the total amount of gas you want to spend per transaction. Gas fee = gas units (limit) * (base fee + tip) This was especially true before the London upgrade, which was implemented in August 2021.Ĭurrently, the gas price is calculated through the following formula: Unlike something like an ATM fee, which is a fixed charge regardless of how much money you’re taking out, the gas fee can vary widely, which is a headache for users. When every transaction has a cost, it’s not so easy to send thousands of spammy transactions per second! How Are Gas Prices Determined? Gas fees are not only an incentive for miners, they also serve to prevent users from spamming the network with malicious or unnecessary transactions. Instead of saying your gas fee cost 0.000000001 ETH, you can just say it cost 1 gwei. Think of it like this: gwei is to ether what pennies are to a dollar. However, gas prices are usually expressed in gwei - a denomination of ether. Gas fees are paid in ether, the Ethereum native currency. The gas fee is the price users need to pay to cover some of the costs associated with the computational work and resources needed to run the network. Gas is a unit that describes the amount of computational work miners need to do. ![]() Miners need an incentive to perform that work - which is where gas comes in. Since Ethereum is currently a proof-of-work network (with a planned transition to proof-of-stake later this year - more on that later), every transaction needs to be processed and validated by miners. Similar to how its physical namesake is needed to make a car go, gas is what makes the blockchain operate smoothly. You have to pay gas on every transaction, whether it’s buying an NFT or swapping tokens, in order to pay for the resources required to make that transaction happen on the Ethereum blockchain. There are several essential components to any interaction that happens on the Ethereum blockchain - one of those components is gas. ![]() It’s not clear why this is, but it may be partly due to the healthier lifestyle choices of those who eat nuts. Several large observational studies have found that more frequent nut consumption is associated with a lower body weight ( 12, 13, 21, 22). In some cases, they protect against weight gain. Studies have found that eating nuts regularly does not promote weight gain, regardless of whether people follow a strict diet or eat as they please. However, any increase in weight was very small, much lower than expected and tended to be insignificant in the long term. That said, a small number of studies have reported that eating nuts was associated with an increase in body weight ( 19, 20). More importantly, in studies where nuts were added to the diets of people who were able to eat as they liked, nut consumption did not lead to weight gain ( 17, 18). In controlled studies where participants had to stick to a strict diet, the addition of many different types of nuts did not cause changes in body weight ( 15, 16). It found that those who ate two or more portions of nuts a week had a 31% lower risk of weight gain, compared to those who never or rarely ate them ( 10).Īlso, a review of 36 studies found that regularly consuming nuts was not linked to an increase in weight, body mass index (BMI) or waist size ( 14). Several observational studies have found that regularly eating nuts is not associated with weight gain and may even prevent it ( 9, 10, 11, 12, 13).įor example, one study looked at the diets of 8,865 men and women over 28 months. Even small portions are high in fat and calories. Nuts are high in calories since they are high in fat, a concentrated source of energy. However, as discussed below, scientific studies do not support this. Cashews: 155 calories and 12 grams fat ( 8)īecause they are high in fat and calories, many people assume that adding nuts to their diet will lead to weight gain.Pistachios: 156 calories and 12 grams of fat ( 7).Almonds: 161 calories and 14 grams of fat ( 6).Brazil nuts: 184 calories and 19 grams of fat ( 5).Walnuts: 183 calories and 18 grams of fat ( 4).The calorie and fat contents per one-ounce (28-gram) serving of some commonly eaten nuts are shown below: This type of fat is associated with protection against many different diseases, such as heart disease ( 3). One gram of fat contains 9 calories, while one gram of carbs or protein contains just 4 calories. This is because a large part of them is fat, which is a concentrated source of energy. ![]() Designed by a specialist team of Epson engineers, our new range of projector mounts and accessories provide strength, reliability and good looks for installations in a multitude of environments. Epson V12H003B23 Ceiling Mount (White) for projectors, Compatible with Epson EH-TW450 with HC Lamp warranty / Epson EB-1910 / Epson EB-1915 / Epson EB-1920W. One of the biggest hurdles for the company is advertising. New designs like the Dank Tank and snowman piece created by local glassblowers attract customers to expand their smoking apparatus collections beyond what they “need.” While his product line does not “touch the plant,” Baum has had multiple bank accounts shut down and has been questioned by police in his home. Along with customer surveys sent out once or twice a year, Daily High Club hosts a livestream every Friday, inviting customer feedback and ideas.įor the more expensive subscription boxes, Baum has found that his customers prefer new and creative pieces over generic bongs and pipes, even if they cost more. With its carefully curated boxes, innovative partnerships, and commitment to community, Daily High Club is the ultimate destination for smokers everywhere.Items from Daily High Club's Pride Collection The Daily HighĬustomer feedback is important to the company and the mix of items in the boxes it sells. If you're a smoker looking for the ultimate smoking experience, Daily High Club is the subscription box for you. It's a commitment to making a positive impact and giving back to those in need. ![]() Each month, a portion of the proceeds from the subscription boxes goes to a different charity or cause. The company also has a strong focus on giving back to the community. The move allowed High Tide to expand its reach into the United States and capitalize on the growing demand for smoking accessories and essentials.īut Daily High Club isn't just about business. announced its acquisition of Daily High Club. In August 2023, Canadian cannabis giant High Tide Inc. It was a groundbreaking move in the smoking industry and showcased Daily High Club's commitment to innovation and customer satisfaction.ĭaily High Club has also made headlines with its rapid expansion. The collaboration allowed customers to scan their custom pipe with the Philter Labs app and unlock exclusive content and deals. In June 2023, Daily High Club partnered with Philter Labs to deliver a unique augmented reality experience with a custom glass pipe. Whether you're looking for a new piece to add to your smoking collection or just want to show off your love for smoking, Daily High Club has something for everyone. The company also offers a wide range of smoking-related merchandise, including t-shirts, hats, and stickers. It's the perfect place to stay up-to-date with the latest in smoking culture and connect with fellow smokers.īut Daily High Club isn't just about smoking accessories. The page features photos and videos of the latest smoking products and accessories, as well as smoking-related memes and humor. ![]() Each monthly box is curated with care and packed with the latest and greatest items for smokers.ĭaily High Club's Instagram page has become a haven for smokers with over 550,000 followers. From glass pipes, rolling papers, and grinders to the latest smoking gadgets and accessories, Daily High Club has it all. What started in 2015 with the everyday smoker in mind, Daily High Club has expanded to offer even more than value and convenience to its customers. The company offers a monthly subscription box filled with smoking accessories and essentials that cater to every smoker's needs. Daily High Club is the world's most popular smoking subscription box company and online headshop. And now, there's a subscription box for smokers. From groceries to pet supplies, the convenience of getting curated items based on personal taste has become a popular trend. ![]() Save yourself the hassle and ship your vehicle with Smart Auto Move! You’re subject to traffic, unpredictable road conditions, other drivers, etc. Driving from the northeast to the south by car takes considerable time.
![]() d) except to the extent that any higher limit applies under the Product Warranty in the case of Connected Equipment, limit our monetary liability to you to the price that you paid for the Product.c) any indirect, consequential, special, incidental or punitive loss or damages, which arises under any law and relates to your use, or inability to use your Product or any related services and.b) loss of the ability to use any third party products, software or services, and.exclude any liability we might otherwise have to you for:.exclude all liability for the loss of, or damage to, data caused by use of your Product, or its repair.exclude all other express, statutory or implied conditions, representations and warranties, including but not limited to any implied warranties of non-infringement, merchantability, acceptability, satisfactory quality, title, fitness for a particular purpose, loss of or damage to data, lack of viruses or free from virus or malware attack, security, performance, workmanlike effort, that the functions contained in the Product will meet your requirements, or that your use of the Product will generate accurate, reliable, timely results, information, material or data.In those jurisdictions where it can lawfully be done, and to the full extent that the law allows, other than the warranties specifically set out in the Product Warranty, we: However, in some jurisdictions and circumstances it is possible for a manufacturer to change or exclude warranties, conditions or guarantees implied or imposed by law, and to otherwise limit its liability to consumers. Nothing in these General Terms is intended to: (i) change or exclude any statutory consumer rights that cannot be lawfully changed or excluded or (ii) limit or exclude any right you have against the person who sold the Product to you. General Exclusions and Limitations of Liability In the event of inconsistency between these General Terms and any other Product Terms, the other Product Terms will prevail. In addition to these General Terms, your use of your Product is governed by: (i) the Product Warranty, (ii) the Belkin Privacy Policy (iii) if your Product includes firmware or other software such as an App, Belkin’s End User License Agreement and (iv) any Terms of Use which are applicable to your Product, (these General Terms and the other terms and policies together are referred to as the Product Terms). or any of our affiliated companies, except where specifically stated to the contrary below. The terms set out in this document (General Terms) apply to all aspects of the legal relationship between you as the end user of a Belkin product (Product), and us (or we) Belkin International, Inc. It can represent an individual’s love for baking, a passion for desserts, or even symbolize a momentous event that occurred during childhood, such as a favorite birthday party or a cherished family tradition. Moreover, a cupcake tattoo can also be seen as a form of self-expression and personal identity. By choosing to permanently ink a cupcake on one’s skin, individuals can express their desire to maintain a touch of innocence and playfulness throughout their lives. It is a small, delectable treat that brings joy and creates a sense of celebration. The cupcake itself embodies sweetness, delight, and indulgence. A cupcake tattoo acts as a visual reminder, allowing us to reconnect with our inner child and cherish the memories and emotions associated with that period of our lives. As we grow older and face the challenges and responsibilities of adulthood, it is easy to lose touch with that childlike wonder. Cupcakes are often associated with joy, innocence, and whimsy, making them a perfect representation of the carefree and magical spirit of childhood.Ĭhildhood holds a special place in our hearts, representing a time of wonder, imagination, and unfettered happiness. Childlike Wonder and InnocenceĪ cupcake tattoo can serve as a meaningful and symbolic way to preserve the enchantment of childhood or celebrate the child within. Whether it’s adding favorite flavors, colors, or decorations, the cupcake tattoo becomes a personalized expression of one’s values, memories, or aspirations. Each cupcake can be uniquely designed, giving individuals the freedom to incorporate elements that hold personal significance or reflect their individual style. In addition to its symbolic meaning, a cupcake tattoo allows for personalization and creativity. Just as a cupcake brings delight to our taste buds, taking time for ourselves and finding joy in self-care rituals can nourish our souls and bring us contentment. It reminds us to prioritize our own well-being and happiness, not just in grand gestures, but also in the small moments of self-care and pampering. Moreover, a cupcake tattoo can also represent self-care and self-indulgence. It serves as a gentle nudge to savor each day, to find pleasure in the simplest of activities, and to embrace the sweetness and goodness that exists around us. A cupcake tattoo encourages us to slow down, take a breath, and appreciate the little things that make life worthwhile. Life can be hectic and filled with responsibilities, causing us to overlook the beauty and joy that surrounds us on a daily basis. By having a cupcake tattoo, you can carry this symbolism with you wherever you go, serving as a constant reminder to cherish the present moment and find joy in the smallest aspects of life. It is a small, sweet confection that embodies a sense of nostalgia and innocence. ![]() The cupcake itself is a delightful treat that brings happiness to people of all ages. Cupcakes are often associated with joy, celebration, and indulgence, making them a perfect representation of appreciating life’s simple pleasures. Let’s explore some of the common meanings associated with these delectable inked treats: Indulgence and EnjoymentĪ cupcake tattoo can serve as a powerful symbol and reminder to relish every moment and find delight in the little things. What Does a Cupcake Tattoo Signify? Unveiling the Layers of MeaningĬupcake tattoos can embody various symbolic interpretations, each one as unique as the individual wearing it. ![]() Conclusion: Sweeten Your Skin with Cupcake Tattoos.Cupcake Tattoo Placement: Where to Sweeten Your Skin. ![]()
![]() In best-of-one games, players' opening hands are not random rather, the client generates multiple hands and selects one based on certain properties of the player's deck. MTG Arena supports best-of-three and best-of-one matches for both Limited and Constructed. In most Limited events, the player keeps all the cards drafted and adds them to their library, and there are generally prizes based on wins that may give booster packs or in-game currency as a reward. In best-of-three, the event ends after the player completes three matches, regardless of their outcome. ![]() In best-of-one, the event ends once the player has either won 7 or lost 3 matches. In both varieties of Limited, players attempt to win as many matches as they can with that deck. An additional Limited format called Sealed allows players to open a set number of special booster packs and build a deck only with cards from those packs. Those cards are then used to create a Limited deck used for the event. In Booster Draft, the most common form of Limited play, players compete with several other players by sequentially selecting and obtaining cards from packs provided by the game. Unlike most physical packs of Magic cards and those used in Limited events which usually contain 15-16 playable cards, purchased packs in MTG Arena contain 8 cards (1 rare, 2 uncommon, and 5 common). The game gives new players a library of base cards and pre-made decks from those cards, but as players win matches or complete daily quests, they can earn new booster packs that add cards to their library, and allow players to then customize their decks and improve them. In Constructed play, players create decks of cards from their library. MTG Arena supports both Constructed Deck play and Limited play. Players battle other players using a selected deck, with the goal of reducing the opponent's life-total to zero before their opponent can do the same to them. MTG Arena follows the same rules as the physical card game, in which players use decks of cards that include land cards that generate five separate colors of mana, and play cards that consume that mana to summon creatures, cast offensive and defensive spells, and/or activate effects and abilities. |
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