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Murphy Oil Corporation
Tarih: 08:43, 6/8/2007
 Murphy Oil Corporation is a worldwide oil and gas exploration and production company with refining and marketing operations in the United States and the United Kingdom and crude oil and natural gas exploration and production operations in Canada. Murphy Oil also has an office in Kuala Lumpur to oversee its E&P activities in Malaysia. Murphy USA Marketing Co. (Murphy Oil USA, Inc.) operates retail gasoline stations under the Murphy USA® brand across 20 states in the U.S. These are high-volume, low-cost retail gasoline stations, primarily in the parking areas of Wal-Mart Supercenters. Murphy Oil USA, Inc. also operates a network of 12 Company-owned terminals. These terminals, along with numerous third-party terminals, provide fuel supply to retail and branded wholesale stations throughout 23 states. |
Murphy Oil at a Glance
Tarih: 08:43, 6/8/2007
Murphy Oil Corporation (“Murphy” or “the Company”)
is an international oil and gas company that conducts business
through various operating subsidiaries. The Company produces
oil and natural gas in the United States, Canada, the United
Kingdom, Malaysia and Ecuador and conducts exploration
activities worldwide. Murphy also has an interest in a Canadian
synthetic oil operation, owns two petroleum refineries in the
United States and has an effective 30 percent interest in a refinery
in the United Kingdom. The Company operates approximately
a 1,000-store chain of retail marketing gasoline stations on the
parking lots ofWal-Mart Supercenters in the United States and
also markets petroleum products under various brand names and
to unbranded wholesale customers in the United States and the
United Kingdom. Murphy is headquartered in El Dorado,
Arkansas and has 7,296 employees worldwide. The Company’s
common stock is traded on the New York Stock Exchange under
the ticker symbol “MUR”.
Major Operating Susidiaries of
Murphy Oil Corporation
Murphy Exploration & Production Company is engaged
in crude oil and natural gas exploration and production in the
United States, the U.K. sector of the North Sea, Ecuador,
Malaysia and Republic of Congo. The subsidiary conducts
business from its office in Houston, Texas, and also has offices
in Kuala Lumpur, Malaysia; St. Albans, England; Pointe-Noire,
Republic of the Congo; and Jakarta, Indonesia.
Murphy Oil Company Ltd. is engaged in conventional crude
oil and natural gas exploration and production in Western
Canada and offshore Eastern Canada as well as the extraction
and sale of synthetic crude oil from oil sands. The subsidiary
also markets petroleum products to the Canadian market and
is headquartered in Calgary, Alberta.
Murphy Oil USA, Inc. is engaged in refining and marketing
of petroleum products in the United States. It is headquartered
in El Dorado, Arkansas, at the Company’s corporate office.
Its refineries in Meraux, Louisiana, and Superior, Wisconsin,
provide petroleum products to high-volume, low-cost Murphy
USA ® branded gasoline stations located on-site at Wal-Mart
Supercenters in 21 southern and midwestern states. Murphy
Oil USA also operates a network of 11 Company-owned
terminals. These terminals, along with a number of third-party
terminals, supply fuel to retail and wholesale stations in
23 states and to asphalt and marine fuel customers in the
upper Midwest
Wind Turbines
Tarih: 17:04, 23/7/2007

We have been harnessing the wind's energy for hundreds of years. From old Holland to farms in the United States, windmills have been used for pumping water or grinding grain. Today, the windmill's modern equivalent—a wind turbine—can use the wind's energy to generate electricity.
Wind turbines, like windmills, are mounted on a tower to capture the most energy. At 100 feet (30 meters) or more aboveground, they can take advantage of the faster and less turbulent wind. Turbines catch the wind's energy with their propeller-like blades. Usually, two or three blades are mounted on a shaft to form a rotor.
A blade acts much like an airplane wing. When the wind blows, a pocket of low-pressure air forms on the downwind side of the blade. The low-pressure air pocket then pulls the blade toward it, causing the rotor to turn. This is called lift. The force of the lift is actually much stronger than the wind's force against the front side of the blade, which is called drag. The combination of lift and drag causes the rotor to spin like a propeller, and the turning shaft spins a generator to make electricity.
Wind turbines can be used as stand-alone applications, or they can be connected to a utility power grid or even combined with a photovoltaic (solar cell) system. For utility-scale sources of wind energy, a large number of wind turbines are usually built close together to form a wind plant. Several electricity providers today use wind plants to supply power to their customers.
Stand-alone wind turbines are typically used for water pumping or communications. However, homeowners, farmers, and ranchers in windy areas can also use wind turbines as a way to cut their electric bills.
Small wind systems also have potential as distributed energy resources. Distributed energy resources refer to a variety of small, modular power-generating technologies that can be combined to improve the operation of the electricity delivery system.
Wind Turbines-2
Tarih: 17:03, 23/7/2007
Wind Turbines-2
Where Do Winds Come From? The sun has a lot to do with creating winds. Winds above continents and oceans occur because of temperature differences around the world. Some places, especially those near the Equator, receive far more direct sunlight than those closer to the Earth's north and south poles. As a result, the air over these areas warms up and then rises. Cooler air from the surrounding area rushes in to fill the space left by the rising air, creating a surface wind.
Capturing Wind Energy Air is constantly on the move. In some places, especially along coastlines and in mountains, it provides a highly reliable source of mechanical energy. Humans have invented an amazing array of devices that can harness the energy of the wind and put it to practical use.
Sails One of the oldest uses of wind energy is transportation. The first primitive sails were probably made from woven mats held aloft by wooden poles or human hands. Modern sailboats have very efficient sails and masts constructed from strong, lightweight materials such as Kevlar (the material used in bulletproof vests) and titanium. They work like aircraft wings to generate forces that pull the boat in the desired direction.
Pumping and Grinding Long before the invention of electricity, early wind turbines did very useful work. Windmills were used in many places in Europe over the last several centuries to turn heavy granite disks called millstones. The millstones were used to crush dry grains such as wheat, barley, and corn to make flour or meal.
The Netherlands is famous for its windmills. In truth, most of these structures are not mills at all, but water pumps.
The Dutch created new farmland along the coast by building dikes around low-lying estuaries and mudflats and pumping out all the seawater. The "windmills" provided a steady supply of mechanical energy to lift seawater into the canals, allowing the new farmland to dry out.
In the past, windmills were common on farmsteads across Canada. They were often used to pump water from wells to watering troughs for cattle and to generate electricity at the farmhouse. When rural areas finally received electricity, many of these windmills fell into disuse and disrepair. Recently however, small windmills are becoming popular once again for bringing water to livestock.
Generating Electricity One of the most popular uses of wind turbines is to generate electricity. To make electricity, the shaft of the turbine must be connected to an electrical generator. Through gearboxes, the generator converts the mechanical energy of the spinning turbine shaft into electricity.
 |
| The wind farm at Castle River, Alberta, generates enough electricity to meet the needs of several thousand Canadian homes.
Photo courtesy of Vision Quest Windelectric Inc. | | Generators are small and light enough that they can be housed under an aerodynamically designed cover at the top of the pole or tower. Wires running down the tower carry electricity to the grid, batteries or other appliances, where it is stored, and/or used.
Electricity is now being generated on a commercial scale at large installations called "wind farms" in several places around the world. Wind farms consist of rows of towers, sometimes 90 metres high, equipped with giant wind turbines for producing electricity.
In Canada, the first commercial wind farm was built in southern Alberta near the town of Cowley, in a region famous for its strong, steady winds. Commercial wind farms have also been established in Germany, Denmark, the United States, Spain and India. Denmark and Germany have pioneered the development of commercial wind power, one of their fastest-growing industries.
Some companies are now installing wind farms in shallow waters near coastlines in small countries with little available land area. These "offshore wind farms" are a promising new source of electricity. Toronto Hydro is installing such a turbine offshore on Lake Ontario.
Commercial wind energy is one of the most economical sources of new electricity available today. Wind turbines can be set up quickly and cheaply compared with building new coal-fired generating stations or hydroelectric facilities. Modern wind generating equipment is efficient, highly reliable, and becoming cheaper to purchase. The environmental impact of large wind turbines is negligible compared with an open pit coal mine or a reservoir, and during their operation produce no air pollution. Because of these factors, wind energy is recognized as the world's fastest-growing new energy source.
Small, highly efficient wind turbines are becoming popular as a source of electricity for rural homes. The cost of installing one comes close to that of putting up poles, overhead power lines and other equipment necessary to connect to the electrical grid. The advantage is that the homeowner owns the generating equipment and is freed from paying monthly electrical bills!
How a structured settlement annuity works
Tarih: 08:49, 22/6/2007
A Structured Settlement is essentially an agreement under which an insurance company agrees to pay an individual a predetermined amount of cash for a fixed length of time if the individual meets an accident. The documents generated in a structured settlement include an agreement, a qualified assignment, an annuity application, a court order if a claim is made by a minor, and an annuity policy.
Payments for a structured settlement annuity can be made for the duration of the life of the claimant. The amount paid can comprise of equal installments, installments of varying amounts, and lump sums. The payments from a Structured Settlement Annuity are free from income-tax and are guaranteed by contract. Since a structured settlement annuity is meant for long-term financial security, it is important to get an assurance of the credentials of the annuity provider.
The periodicity of payment is entered into the settlement agreement. Factors that individuals can consider in deciding upon the date of commencement of payment, duration, and periodicity include monthly expenses, present age, extent of hazard in occupation, and retirement plans. In order to ensure that the payments remain tax-free, the structure of payments should not be altered once it has been agreed upon by both parties. In the case of a qualified assignment, the insurance company making the payment can transfer its obligation for payments to a third party.
There are issues that one should understand before opting for a structured settlement agreement. If payments are made to an estate, they are free from income tax but subject to estate tax. Purchasing a structured annuity can affect the availability of ready money with an individual.
State and federal laws govern the closing of a structured settlement. The closing process usually gets completed in 3-6 months. Federal laws stipulate that a court order be obtained by either the customer or the funding company that is purchasing the payment stream so that there are no tax liabilities. The manner in which the court order is obtained is regulated by various “Structured Settlement Protection Acts”, which are in force in 36 states in the United States.
A disclosure statement is made available to a customer 3 to 14 days before he receives the transfer agreement. The disclosure statement mentions the amounts to be paid to the customer and their due dates; the IRS Discounted Present Value of the amount at that given point in time; the Gross Advance Amount and the Annual Discount Rate; disclosures desired by the state; and a list of the fees and commissions incurred.
Structured settlement
Tarih: 08:48, 22/6/2007
Structured settlement
From Wikipedia, the free encyclopedia
A structured settlement is a financial or insurance arrangement, including periodic payments, that a claimant accepts to resolve a personal injury tort claim or to compromise a statutory periodic payment obligation. Structured settlements were first utilized in Canada and the United States during the 1970s as an alternative to lump sum settlements. Structured settlements are now part of the statutory tort law of several common law countries including: Australia, Canada, England and the United States. Although some uniformity exists, each of these countries has its own definitions, rules and standards for structured settlement. Structured settlements may include income tax and spendthrift requirements as well as benefits. Structured settlement payments are sometimes called “periodic payments”. A structured settlement incorporated into a trial judgment is called a “periodic payment judgment”.
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[edit] Structured Settlements in the United States
The United States has enacted structured settlement laws and regulations at both the federal and state levels. Federal structured settlement laws include sections of the Federal Internal Revenue Code. State structured settlement laws include structured settlement protection statutes and periodic payment of judgment statutes. Medicaid and Medicare laws and regulations impact structured settlements. To preserve a claimant’s Medicare and Medicaid benefits, structured settlement payments may be incorporated into “Medicare Set Aside Arrangements” the “Special Needs Trusts”.
[edit] Definitions
The United States definition of “structured settlement” for Federal income taxation purposes, found in Internal Revenue Code Section 5891(c)(1), is an "arrangement" that meets the following requirements:
- A structured settlement must be established by:
- A suit or agreement for periodic payment of damages excludable from gross income under Internal Revenue Code Section 104(a)(2); or
- An agreement for the periodic payment of compensation under any workers’ compensation law excludable under Internal Revenue Code Section 104(a)(1); and
- The periodic payments must be of the character described in subparagraphs (A) and (B) of Internal Revenue Code Section 130(c)(2) and must be payable by a person who:
- Is a party to the suit or agreement or to a workers' compensation claim; or
- By a person who has assumed the liability for such periodic payments under a Qualified Assignment in accordance with Internal Revenue Code Section 130.
Mesothelioma: Questions and Answers
Tarih: 08:48, 22/6/2007
Mesothelioma: Questions and Answers
Mesothelioma is a rare form of cancer in which malignant (cancerous) cells are found in the mesothelium, a protective sac that covers most of the body’s internal organs. Most people who develop mesothelioma have worked on jobs where they inhaled asbestos particles.
- What is the mesothelium?
The mesothelium is a membrane that covers and protects most of the internal organs of the body. It is composed of two layers of cells: One layer immediately surrounds the organ; the other forms a sac around it. The mesothelium produces a lubricating fluid that is released between these layers, allowing moving organs (such as the beating heart and the expanding and contracting lungs) to glide easily against adjacent structures.
The mesothelium has different names, depending on its location in the body. The peritoneum is the mesothelial tissue that covers most of the organs in the abdominal cavity. The pleura is the membrane that surrounds the lungs and lines the wall of the chest cavity. The pericardium covers and protects the heart. The mesothelial tissue surrounding the male internal reproductive organs is called the tunica vaginalis testis. The tunica serosa uteri covers the internal reproductive organs in women.
- What is mesothelioma?
Mesothelioma (cancer of the mesothelium) is a disease in which cells of the mesothelium become abnormal and divide without control or order. They can invade and damage nearby tissues and organs. Cancer cells can also metastasize (spread) from their original site to other parts of the body. Most cases of mesothelioma begin in the pleura or peritoneum.
- How common is mesothelioma?
Although reported incidence rates have increased in the past 20 years, mesothelioma is still a relatively rare cancer. About 2,000 new cases of mesothelioma are diagnosed in the United States each year. Mesothelioma occurs more often in men than in women and risk increases with age, but this disease can appear in either men or women at any age.
- What are the risk factors for mesothelioma?
Working with asbestos is the major risk factor for mesothelioma. A history of asbestos exposure at work is reported in about 70 percent to 80 percent of all cases. However, mesothelioma has been reported in some individuals without any known exposure to asbestos.
Asbestos is the name of a group of minerals that occur naturally as masses of strong, flexible fibers that can be separated into thin threads and woven. Asbestos has been widely used in many industrial products, including cement, brake linings, roof shingles, flooring products, textiles, and insulation. If tiny asbestos particles float in the air, especially during the manufacturing process, they may be inhaled or swallowed, and can cause serious health problems. In addition to mesothelioma, exposure to asbestos increases the risk of lung cancer, asbestosis (a noncancerous, chronic lung ailment), and other cancers, such as those of the larynx and kidney.
Mesothelioma
Tarih: 08:47, 22/6/2007
Mesothelioma
From Wikipedia, the free encyclopedia
Mesothelioma is a form of cancer that is almost always caused by previous exposure to asbestos.[1] In this disease, malignant cells develop in the mesothelium, a protective lining that covers most of the body's internal organs. Its most common site is the pleura (outer lining of the lungs and chest cavity), but it may also occur in the peritoneum (the lining of the abdominal cavity) or the pericardium (a sac that surrounds the heart).
Most people who develop mesothelioma have worked on jobs where they inhaled asbestos particles, or have been exposed to asbestos dust and fibre in other ways, such as by washing the clothes of a family member who worked with asbestos, or by home renovation using asbestos cement products. Talc mined in upstate New York has been associated with causing mesothelioma. Unlike lung cancer, there is no association between mesothelioma and smoking [2].
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Singer Island
Tarih: 16:21, 20/6/2007

Now accepting reservations for arrival on or after April 10, 2007.
The Resort at Singer Island has joined The Luxury Collection as a diverse smoke-free resort.
Featuring 239 all-suite resort units and 66 residential condominiums, the resort includes 4,000 square feet of meeting space, an 8,500-square foot spa, and all of the amenities and services one would expect from a world-class facility. Butler Service, valet attendants, and a full-time concierge will enrich guest experiences and activities, including coordination of private events, theater tickets, dinner reservations, and travel arrangements.
Experience the essence of elegance in one or two bedroom resort units ranging from 800 square feet to just over 2,100 square feet of living space. Decorated with dark wood tones, stainless steel kitchen appliances, and marble baths, the resort offers a luxurious contemporary modern edge. Enjoy majestic views of the Atlantic Ocean or Intracoastal Waterways from the expansive terraces in each suite.
Dining options include an alfresco ambiance at the ocean side eatery, the convenience of room service, or special events catered within the stunning entertainment veranda. Even a temperature-controlled wine room is available to store private wine collections.
The white sands of Singer Island provide the ultimate place to relax. Attentive pool and beachside attendants provide everything from plush beach towels and relaxing lounge chairs to tempting frozen libations. Outdoor private cabanas are the ideal place to enjoy a casual poolside lunch.
Discover a luxurious experience like no other at The Resort at Singer Island.
Digital Tv
Tarih: 16:20, 20/6/2007
 Bringing viewers the widest variety of television programming available today, Direct TV is the largest digital satellite service provider in the country. Direct TV now has a customer base of 15 million viewers. Offering 850 video and audio channels, including great networks through XM satellite radio, Direct TV has everything you need for great entertainment. From the hottest movie, sports and music networks, to great news and weather options, Direct TV has a channel for every viewer. Great family and children's channels are also featured through Direct TV. All the premium channels you're looking for are right here. You'll get HBO, Cinemax, C-SPAN, ESPN, Turner Classic Movies, Bravo and more. The entire family will love the programming featured on networks like The Hallmark Channel, The History Channel and Lifetime. Children can choose from great educational programs and fun shows on networks like Animal Planet, PBS, Toon Disney, The Disney Channel, The Discovery Channel, and more.
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