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Investment Owner’s Contract I, _____________ ___________________, hereby state that I am an investor who is seeking to accumulate wealth for many years into the future. I know that there will be many times when I will be tempted to invest in stocks or bonds because they have gone (or “are going”) up in price, and other times when I will be tempted to sell my investments because they have gone (or “are going”) down. I hereby declare my refusal to let a herd of strangers make my financial decisions for me. I further make a solemn commitment never to invest because the stock market has gone up, and never to sell because it has gone down. Instead, I will invest $______.00 per month, every month, through an automatic investment plan or “dollar-cost averaging program,” into the following mutual fund(s) or diversified portfolio(s): _________________________________, _________________________________, _________________________________. I will also invest additional amounts whenever I can afford to spare the cash (and can afford to lose it in the short run). I hereby declare that I will hold each of these investments continually through at least the following date (which must be a minimum of 10 years after the date of this contact): _________________ _____, 20__. The only exceptions allowed under the terms of this contract are a sudden, pressing need for cash, like a health-care emergency or the loss of my job, or a planned expenditure like a housing down payment or a tuition bill. I am, by signing below, stating my intention not only to abide by the terms of this contract, but to re-read this document whenever I am tempted to sell any of my investments. This contract is valid only when signed by at least one witness, and must be kept in a safe place that is easily accessible for future reference.

The Blue Mind Rx Statement Our wild waters provide vast cognitive, emotional, physical, psychological, social, and spiritual values for people from birth, through adolescence, adulthood, older age, and in death; wild waters provide a useful, widely available, and affordable range of treatments healthcare practitioners can incorporate into treatment plans. The world ocean and all waterways, including lakes, rivers, and wetlands (collectively, blue space), cover over 71% of our planet. Keeping them healthy, clean, accessible, and biodiverse is critical to human health and well-being. In addition to fostering more widely documented ecological, economic, and cultural diversities, our mental well-being, emotional diversity, and resiliency also rely on the global ecological integrity of our waters. Blue space gives us half of our oxygen, provides billions of people with jobs and food, holds the majority of Earth's biodiversity including species and ecosystems, drives climate and weather, regulates temperature, and is the sole source of hydration and hygiene for humanity throughout history. Neuroscientists and psychologists add that the ocean and wild waterways are a wellspring of happiness and relaxation, sociality and romance, peace and freedom, play and creativity, learning and memory, innovation and insight, elation and nostalgia, confidence and solitude, wonder and awe, empathy and compassion, reverence and beauty — and help manage trauma, anxiety, sleep, autism, addiction, fitness, attention/focus, stress, grief, PTSD, build personal resilience, and much more. Chronic stress and anxiety cause or intensify a range of physical and mental afflictions, including depression, ulcers, colitis, heart disease, and more. Being on, in, and near water can be among the most cost-effective ways of reducing stress and anxiety. We encourage healthcare professionals and advocates for the ocean, seas, lakes, and rivers to go deeper and incorporate the latest findings, research, and insights into their treatment plans, communications, reports, mission statements, strategies, grant proposals, media, exhibits, keynotes, and educational programs and to consider the following simple talking points: •Water is the essence of life: The ocean, healthy rivers, lakes, and wetlands are good for our minds and bodies. •Research shows that nature is therapeutic, promotes general health and well-being, and blue space in both urban and rural settings further enhances and broadens cognitive, emotional, psychological, social, physical, and spiritual benefits. •All people should have safe access to salubrious, wild, biodiverse waters for well-being, healing, and therapy. •Aquatic biodiversity has been directly correlated with the therapeutic potency of blue space. Immersive human interactions with healthy aquatic ecosystems can benefit both. •Wild waters can serve as medicine for caregivers, patient families, and all who are part of patients’ circles of support. •Realization of the full range and potential magnitude of ecological, economic, physical, intrinsic, and emotional values of wild places requires us to understand, appreciate, maintain, and improve the integrity and purity of one of our most vital of medicines — water.

Things you would not give a new homeowner, such as pet information, party ideas, holiday notes and ideas, travel information, car information, and community activities. The Financial Organizing Binder was created in hindsight after settling my father’s estate. The Financial Organizing Binder houses everything needed for someone to act as financial power of attorney on your behalf or to settle your estate after you pass. This binder has been reviewed by estate lawyers and will save you thousands of dollars and untold hours when needed. The Medical Organizing Binder is designed to house the papers and documentation needed to advocate as a power of healthcare, guardian, or caregiver for an adult. Time after time clients share with me how having a simple binder, with medical information for an ill family member, has saved redundant tests, over billing, and so, so much time.

Estate-Planning Checklist (for each of you) • Up-to-date will • Healthcare proxy • Power of attorney • Living will • HIPAA form •  List of what you are bequeathing • Legacy requests •  Where your important documents are kept • What assets you have • Where your accounts are located • Account numbers, PINs, and passwords •  Names of trusted people who know where your car keys, house keys, and safe deposit box keys are kept • Important names and contact information: ○ Attorney/financial adviser/CPA ○ Insurance broker ○ Healthcare providers ○ Estate attorney ○ Bank name and branch office location ○ Safe deposit box location and number

_____________ ___________________, hereby state that I am an investor who is seeking to accumulate wealth for many years into the future. I know that there will be many times when I will be tempted to invest in stocks or bonds because they have gone (or “are going”) up in price, and other times when I will be tempted to sell my investments because they have gone (or “are going”) down. I hereby declare my refusal to let a herd of strangers make my financial decisions for me. I further make a solemn commitment never to invest because the stock market has gone up, and never to sell because it has gone down. Instead, I will invest $______.00 per month, every month, through an automatic investment plan or “dollar-cost averaging program,” into the following mutual fund(s) or diversified portfolio(s): _________________________________, _________________________________, _________________________________. I will also invest additional amounts whenever I can afford to spare the cash (and can afford to lose it in the short run). I hereby declare that I will hold each of these investments continually through at least the following date (which must be a minimum of 10 years after the date of this contact): _________________ _____, 20__. The only exceptions allowed under the terms of this contract are a sudden, pressing need for cash, like a health-care emergency or the loss of my job, or a planned expenditure like a housing down payment or a tuition bill. I am, by signing below, stating my intention not only to abide by the terms of this contract, but to re-read this document whenever I am tempted to sell any of my investments. This contract is valid only when signed by at least one witness, and must be kept in a safe place that is easily accessible for future reference.

Canadian Permanent Residency, Australia Permanent Residency, and Germany Permanent Residency: Your Path to a Better Future At ESSE India, we understand that securing Permanent Residency (PR) in countries like Canada, Australia, and Germany can open doors to unparalleled opportunities. Whether you are a skilled professional, student, or family looking for a brighter future, these countries offer exceptional immigration programs tailored to various needs. With pathways like Canada’s Express Entry, Australia’s Global Talent Stream, and Germany’s EU Blue Card, understanding the right PR process is key to your success. 1. Canadian Permanent Residency (PR) Why Choose Canada for Permanent Residency? Canada’s welcoming policies and strong support for skilled workers and international students make it a top destination for those seeking PR. The Express Entry system is the most sought-after route, ensuring faster processing and a smooth transition to Canadian life. How the Express Entry System Works Canada’s Express Entry system manages three main immigration programs: • Federal Skilled Worker Program (FSWP) • Federal Skilled Trades Program (FSTP) • Canadian Experience Class (CEC) Applicants are assessed using the Comprehensive Ranking System (CRS), where points are assigned for factors like age, education, work experience, and language skills. If you want to increase your chances of getting an Invitation to Apply (ITA), you can apply through Provincial Nominee Programs (PNP) like BCPNP, MPNP, or NBPNP. These programs can boost your CRS score by an additional 600 points. Latest Express Entry Updates Recent draws show the competitive nature of Express Entry: • September 19, 2024: 4,000 ITAs were issued for CEC candidates with a minimum CRS of 509. • August 27, 2024: 3,300 ITAs were issued for CEC candidates with a minimum CRS of 507. Canada Immigration Consultants in India Our Canada immigration consultants in India provide expert guidance on navigating the complex Canada PR process. With our personalized approach, we ensure that your documents meet the stringent requirements, paving the way for a successful PR application. 2. Australia Permanent Residency (PR) Why Choose Australia for Permanent Residency? Australia’s booming economy and need for skilled professionals make it an attractive option for PR. Through the General Skilled Migration (GSM) program, Australia offers several visa categories, ensuring that you find the perfect pathway to PR. General Skilled Migration (GSM) Pathways Australia’s PR process offers various visa options, including: • Skilled Independent Visa (Subclass 189) • Skilled Nominated Visa (Subclass 190) • Skilled Work Regional Visa (Subclass 491) The GSM system is points-based, with applicants scoring higher points in areas such as qualifications and work experience having better chances. Australia’s Global Talent Stream is also available for fast-tracking PR in high-demand sectors such as IT, engineering, and healthcare. Australia Immigration Consultants in India At ESSE India, our Australia immigration consultants provide comprehensive support to Indian applicants throughout the Australia PR process. Whether it’s improving your points score or handling your visa application, we ensure a seamless process. 3. Germany Permanent Residency (PR) Why Choose Germany for Permanent Residency? Germany, with its strong economy and demand for skilled workers, is an excellent option for PR. The EU Blue Card offers an efficient route for qualified professionals to live and work in Germany. After 21-33 months, Blue Card holders are eligible for permanent residency. Global Talent Stream in Germany Germany’s Global Talent Stream attracts highly skilled professionals, especially in fields like technology and engineering, helping you achieve PR faster.

A recent study documented a 52 percent decline in sperm concentration and a 59 percent decline in total sperm count in men over a nearly forty-year period ending in 2011 (Levine et al. 2017). A decline in sperm count and concentration leads to a decreased probability of conception. The authors of the study speculated that increased exposure to endocrine disrupting chemicals in the environment may be partly to blame for this trend.

If poor follow-through persists, a written grid-like table is created on the home program document itself for the patient to demonstrate that he is performing the program (i.e., exercises). Patients' successful participation with resultant documentation on the grid is utilized to either provide positive

documentation issues were more common in small private hospitals, where records were less standardized and notes were sparse because only the patient’s physician writes progress notes. In teaching hospitals, by contrast, there are multiple notes by residents, medical students, and nurses as well.

Death causes us discomfort by reminding us of the humanity we share. Our healthcare system’s handling of death, on the other hand, causes us discomfort by reminding us of the shared humanity we choose to ignore. As I documented

Ellis had a history of creating fake movements in support of unpopular corporations and causes. In the 1990s, he had headed a company called Ramhurst, which documents revealed to be a covert public relations arm of R. J. Reynolds, the giant tobacco company. Under his guidance, Ramhurst organized deceptively homegrown-looking “smokers’ rights” protests against proposed regulations and taxes on tobacco. In 1994 alone, R. J. Reynolds funneled $2.6 million to Ramhurst to deploy operatives who mobilized what they called “partisans” to stage protests against the Clinton health-care proposal, which would have imposed a stiff tax on cigarette sales. Anti-health-care rallies that year echoed with cries of “Go back to Russia!” If the outbursts bore a striking resemblance to those against Obama’s health-care proposal fifteen years later, it may be because the same political operatives were involved in both. Two of Ellis’s former top aides at Ramhurst, Doug Goodyear and Tom Synhorst, went on in 1996 to form DCI Group, the public relations firm that was helping Noble foment Tea Party protests against the Affordable Care Act.

both the government and healthcare institutions had created mutant strains of disease.  Thousands of well-documented cases existed of people being injected with cancer cells and then studied, all in the hope of finding a better medication that could be sold in the rapidly growing cancer treatment market.

Meanwhile, administrative costs are eating up 15–30 percent of all health-care spending in the United States. That’s twice the rate of most other advanced nations. This money goes mainly into collecting money: doctors collect from hospitals and insurers, hospitals collect from insurers, insurers collect from companies or from policyholders. At some hospitals, billing clerks outnumber physicians. A third of nursing hours are devoted to documenting tests and procedures so insurers have proof.

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