text:
See live video of Salt Lake City's famous peregrine falcons in April, 2015.
The links to the live videos above will open in lightbox windows. Please allow several seconds for them to load. To open in separate windows: wide angle & closer-in.
PEREGRINE FALCONS have used nesting locations in downtown Salt Lake City since 1984. We're hoping that this spring, like most, the falcons will use the nesting box located on the Joseph Smith Memorial Building at South Temple and Main Street. If you're in downtown Salt Lake City, look up — if you're lucky you might catch a glimpse of these amazing birds.
Feb. 11, 2015: A peregrine falcon pair has been spotted displaying courtship behavior downtown near the JSMB nesting box.
The Peregrine Falcon Camera is expected to be up and running the first week in April.
Although the sexes are outwardly similar, there are a few differences. If you want to identify the adults more easily, here are a few tips.
The male falcon (called a tiercel or tercel), is generally one-fourth to one-third smaller in size than the female (usually just referred to as a falcon). Tiercels are typically darker, have broader malars (the dark wedge below the eye) and rounded tips.
The female falcon appears grayer, with narrow malars and pointy tips. The buff-colored area at the tip of her tail is wider than the male's.
Peregrine falcons (Falco peregrinus) do not build nests from grass or twigs. Usually, they create a scrape (a shallow depression in the substrate) on ledges, cliffs, or — in this case — a high, protected spot on a downtown Salt Lake City building. Once a nesting site is established, it may be reused year after year, although alternative sites have been utilized as well.
Over the years, with the help of the Salt Lake City Peregrine Falcon Watchpost Team members, a surprisingly large number of birds have survived flight training and successfully learned to fly. From 1986 through 1990 and 1995, 11 of 14 young learned to fly and dispersed to the wild. From 2004 through 2009, 10 of 13 young successfully departed to wilder haunts. From 1991 through 1993, five of six young reached the flying stage and dispersed from a cliff nest site located just north of the downtown area.
Peregrines are hunters extraordinaire that prey almost exclusively on birds caught in mid-air. Considered one of the world's fastest animals, peregrines can reach speeds of up to 200 miles per hour during vertical dives. The pigeon population of downtown Salt Lake City provides ample food, but, through the years, dozens of other bird species have fallen prey to these magnificent flyers.
The peregrine falcon was removed from the federal Endangered Species List in 1999. The Utah peregrine population is recovering statewide, and the species continues to enjoy protection under Utah State Code and the federal Migratory Bird Treaty Act.
Two of the three North American subspecies can be seen in Utah. The continental form, subspecies anatum, is a Utah nester that can be seen year round. The tundra form, subspecies tundrius, is a migrant that can be seen during the spring and fall.
More information:
Help support peregrine falcons and other raptors in Utah.
Archived video
2014 peregrines
2013 peregrines
2012 peregrines
2011 peregrines
Contact Bob Walters for details: firstname.lastname@example.com or 801-209-5326.


text:
New York Printer and Online Printing pioneer 4OVER4.COM has launched an improved plastic cards printing service for business customers. 4OVER4 customers can now access more plastic types and quality options to create great plastic cards products that make a difference every time. 4OVER4.COM provides digital and offset printing in the areas of online printing, print online services, printers NY service, printing business service, printing companies service, printing company service, company signage printing, and other custom printing applications.
Plastic cards from 4OVER4 are available in 20 pt White plastic, 20pt Frosted plastic, and 20pt clear plastic, and in sizes of 2" x 3.5" and 4.25" x 6". 4OVER4 customers can also now order between 250 and 5000 prints per order.
"Plastic cards printing is unique and gives businesses an advantage because it allows products and services to be advertised creatively to the customer," says 4OVER4.COM Principal Taso Panagiotopoulos.
For more information about plastic cards printing or for any updates or inquiries, please visit http://www.4over4.com/
Printing Company - http://www.4over4.com/
Printing Business - http://www.4over4.com/
About 4OVER4.COM
Online printing company 4OVER4.COM, an NYC printing firm, is a green printing company that serves tens of thousands of clients nationally and whose printing New York facility began operations in 1999.4OVER4.COM provides unmatched technical and customer support and instant online pricing and ordering for full color printing services since 1999, 4OVER4.COM has offered free expert file review and free online proofs without any obligation to purchase. As a green printing company, we are strongly oriented towards sustainable environmental renewal, and we are happy to lead the way with environmentally and socially responsible printing practices and projects among national as well as New York Printers.
# # #
4over4.com is an ONLINE PRINTING SERVICE located in New York City, specializing in postcards, business cards, brochures, posters, greeting cards, booklets, letterheads, envelopes, rack cards, bookmarks, labels and stickers, vinyl banners, canvas prints, and all your other PRINTING needs regardless of your profession. We offer quality prints at exceptional prices, fast turnarounds (even same day service) and leading industry minimums. If you just started your home office, small business or even if you've recently discovered your entrepreneurial spirit, we can aid in making your messages aimed at your target market more efficient through the use of colorful brochures, cost efficient flyers or attractive posters. And don't forget we also offer business cards to improve the impact of your networking!

subset: commoncrawl


text:
Connect with Us
Now Playing
Podcasts & RSS Feeds
|All Content
|View all podcasts & RSS feeds
Most Active Stories
- Broward School Board Suspends Teacher Who Used Slur Against Muslim Student
- An Idea To Mitigate Rising Seas In Miami Beach: Lift The Entire City
- How An Ethnic Slur Spurred A Broward Father's Activism
- Which One Is Better: Miami Or Miami Beach?
- Stalin Stupor: Why Venezuela Keeps Getting Ranked "Most Miserable" In 2015
2:00 pm
Wed January 16, 2013
The Rise Of The Cuban-American Democrat
The Cuban-American Democrat. It is an unusual breed in Florida.
Since the failed Bay of Pigs invasion in 1961 made the Democratic administration of John F. Kennedy look bad, and caused many Cubans to flee their homeland forever, El Exilio community in South Florida especially has been strongly Republican.
But that's beginning to change. Some exit polling indicated Cubans nearly split their vote between President Obama and Mitt Romney this past election, something that has never happened.
Annette Taddeo-Goldstein, chairwoman of the Miami-Dade Democratic Party, wasn't surprised.
"Our message was extremely positive and about moving the country forward. It was jobs and taking care of the middle class, and not the top 1 or 2 percent of the country," she said.
Helping to turn the tide is the recent election of Joe Garcia as the first Florida Cuban-American Democrat in Congress.
While at Garcia's swearing in last week, I bumped in to former Hialeah mayor Raul Martinez, who for many years was the standard bearer as the most prominent Cuban Democrat in South Florida. Martinez says he paid the ultimate political price for bucking the trend.
Martinez is still fuming after being indicted and removed from office by former federal prosecutor Dexter Lehtinen after embarking on a Congressional campaign in 1989.
Lehtinen is the husband of the woman who eventually won that election, Republican Ileana Ros-Lehtinen, who still holds that seat today.
Hear the story and the interview with Martinez by clicking on the link at the top of this page.
Cuban Missile Crisis
Democratic Party


text:
Mar 16, 2015
Slides From NoVA Mini Maker Faire - Meet Gadgeteermore
Mar 5, 2015
Clearing The Decks
It comes in lots of shapes and sizes, and it can be both physical and virtual.more
Mar 5, 2015
Richmond .NET Meeting Tonight Cancelled - Will Be Rescheduled
Some bad news for folks planning to come see my talk, "Zero to Web in One Meeting: Building ASP.NET apps from Scratch". Unfortunately, due to the snow currently pummeling our area, I'm not going to be able to make the drive down to Richmond, so we decided to reschedule the talk for later in the year, likely June or July.more
Feb 26, 2015
Security for IoT Can't Be an Afterthought
Earlier this week, in my presentation at CapArea.net on "Communicating with the Internet of Things" one of the points I emphasized repeatedly is the necessity to think about security early and often. Any time you are responsible for creating a device that can communicate with the internet, whether that be a home automation gateway, Wi-Fi-controlled light bulb, or and industrial control system designed for remote monitoring, you need to be sure you understand how that system can be attacked. As security MVP Troy Hunt likes to put it, you need to "hack yourself first."
photo credit: nwogen on freeimages.com
Feb 25, 2015
Another Reason to Like Azure Web Sites - Free Analytics
Not sure how I missed this when it originally aired, but this Azure Friday video from last June does a great job of showing off one of the benefits of Azure Web Sites, namely free analytics.more


text:
<b>Ben Harper</b>, musician, plays the Greek Theater tonight and tomorrow
Last book I bought:
"Raising Hell: The Reign, Ruin, and Redemption of Run-D.M.C. and Jam Master Jay," Ronin Ro
"Parting the Waters: America in the King Years 1954-63," Taylor Branch Total number of books I own:
500+ Five books that mean a lot to me:
"All the Way to the Ocean," Joel Harper
"Harlot's Ghost," Norman Mailer
"Dude, Where's My Country," Michael Moore
"Hop on Pop," Dr. Seuss
"Goodnight Moon," Margaret Wise Brown Last film I saw:
"King Kong," directed by Peter Jackson Last DVD I bought:
"Loose Change," directed by Dylan Avery Total number of films I own:
500+ Five films that mean a lot to me:
"Wild at Heart," directed by David Lynch
"Blue Velvet," directed by David Lynch
"Mask," directed by Peter Bogdanovich
"Citizen Ruth," directed by Alexander Payne
"Rambling Rose," directed by Martha Coolidge Stereo or iPod:
Both Last CD or song I bought:
"Kicking Television: Live in Chicago," Wilco Song currently playing:
"Something Fine," Jackson Browne Five songs that mean a lot to me:
"Jesus, Etc.," Wilco
"Something Fine," Jackson Browne
"Wishlist," Pearl Jam
"It's All Understood," Jack Johnson
"Welcome Saturday Night," J. Ralph Favorite wine:
Honig Vineyards Favorite charity:
Oceana Favorite vacation:
Home Favorite vice:
Versa Five people who I'd like to see answer this survey:
T-Bone Walker, John Lee Hooker, Charles Mingus, Mississippi John Hurt, Blind Willie Johnson
Want Entertainment News First? Sign up for Variety Alerts and Newsletters!


text:
Comment: Re:Because (Score 2) 447
Ah, I see that you have also worked in aerospace!
The old joke is, "How do you turn a 50 cent screw into a 5 dollar screw? Put it on an airplane!"
We've improved Slashdot's video section; now you can view our video interviews, product close-ups and site visits with all the usual Slashdot options to comment, share, etc. No more walled garden! It's a work in progress -- we hope you'll check it out (Learn more about the recent updates).
Ah, I see that you have also worked in aerospace!
The old joke is, "How do you turn a 50 cent screw into a 5 dollar screw? Put it on an airplane!"
The proper way to install your VoIP system is to run all the phones on their own VLAN that does not have Internet access. There is no reason for the phone set to have Internet access so why would you even have that on its wire? It shouldn't even have access to your desktops or servers, and vice-versa. The only thing that should be able to talk to the phones is the VoIP controller.
Knowing bureaucracy it may well be that The Man would have a harder time getting your info from The Man than from another source.
This is why god made virtual machines.
The user machines and workstations where I work all use display port for their second monitors. Either from the motherboard, Quado 600 graphics cards or docking stations. HP has displayport on all the devices we buy.
"Feminists love rape, they couldn't exist without it."
You are a sad, sick little man.
I was going to reply but the AC in post #49205121 said all that needs said about your rant. But please allow one point: " A quarter of all male suicides in India are directly attributed to family problems." So? I'm surprised it's that low. Besides just plain mental health issues I'm guessing that family and business problems are the cause of most suicides, anywhere.
As far as "..a world they've never experienced and have little understanding of.." I've walked those halls for over two decades as employee and contractor. I've seen it with mine own eyes, and listed to the stories of coworkers.
Do you go around poking sticks into wasp nests too?
Yeah, I got about 20 minutes in before I was about to put my fist through the monitor. The main perp said that only 20% of women are decent? I though we had rednecks in the US. Nothing like these total pieces of shit.
Now I see why women avoid IT jobs with all the H1-B dudes roaming the halls.
What could go wrong? Remember the movie version of Brin's The Postman?
The first five pages of the book and then a remake of Water World.
Way back in the day when early digital anything had gobs of TTL and CMOS gate chips I would use a telephone pickup coil to hunt down dead chips.
You, sir, owe me a good swallow of 15 year single malt.
That's an old scar you're telling there.
So the assumed front runner for the Democrats isn't credible when speaking about foreign policy? Not saying she's the best for the job, and you may not agree with her policy ideas, but her being a First Lady, a Senator, and a Secretary of State, you have to give her some foreign policy chops. Much more than any state governor may have.
I will give Jeb some chops just for hanging with dad and W, but not much.
Speaking of points of failure. I was helping out at a site that our corporate overlords purchased (makes things for airliners) that had an old SGI server that had one HD in it that is the boot device. They know nothing about SGI nor how to back it up, they don't have support for it. They say this is mission critical.
Fuck me running.
I think I'll have to build up a BSD box and dig through the garage for an old Adaptec SCSI card, maybe I can dd it, I hope.
Or let it die, they deserve it.
IF I HAD A MINE SHAFT, I don't think I would just abandon it. There's got to be a better way. -- Jack Handley, The New Mexican, 1988.


text:
Open letter to Alberta Justice Minister Jonathan Denis
By Dennis R. Young Tuesday, March 24, 2015
When did you know the RCMP were kicking in doors in High River, why didn't you stop it before it got out of hand and why did your government defend the RCMP's actions?
Dear Minister Denis:
I want to thank you for taking the time to write on January 28, 2015 responding to my two previous letters dated September 30, 2014 and January 2, 2015.
By CCRKBA Friday, March 20, 2015
BELLEVUE, WA – Today's announced resignation of B. Todd Jones as director of the Bureau of Alcohol, Tobacco, Firearms and Explosives will give the agency an opportunity to begin repairing its image following a string of debacles that included Operation Fast and Furious, the Citizens Committee for the Right to Keep and Bear Arms said.Access, Denied: More Gun Sellers Blocked From Financial Sector
By Heritage Foundation Friday, March 20, 2015
After serving multiple deployments overseas with the U.S. Army Special Forces, Josh Burns began building his own rifles at home.Brady Campaign Insults Arizona Badly; Calls us "Paradise for Criminals"
By News on the Net Friday, March 13, 2015
- Demotes us—the most free state—from zero to minus 39
The Brady Campaign that promotes gun violence constantly, has just named Arizona "Paradise for Criminals."CCRKBA Blasts Anti-Gun Dems For 'Pouring Gas' On Grassroots
By CCRKBA Friday, March 13, 2015
BELLEVUE, WA – Anti-gun Capitol Hill Democrats just couldn't resist further provoking the nation's law-abiding gun owners with yesterday's renewed push to ban ammunition even after the Bureau of Alcohol, Tobacco, Firearms and Explosives had temporarily stepped back from such a proposal on Tuesday, and it's time for the public to smack them down hard, the Citizens Committee for the Right to Keep and Bear Arms said today.
Victory! ATF Pulls Proposed Ammo Ban, But Fight Not Over
By Second Amendment Foundation Tuesday, March 10, 2015
BELLEVUE, WA – While overwhelming public pressure has suddenly caused the Bureau of Alcohol, Tobacco, Firearms and Explosives to postpone action on a proposed ban on M855 ammunition for modern sport-utility rifles, the Second Amendment Foundation said the battle is not over in defense of firearms rights.SAF Launches National Media Effort To Battle Obama Gun Control
By Second Amendment Foundation Monday, March 9, 2015
BELLEVUE, WA – The Second Amendment Foundation today launched a nationwide television and radio effort to prevent President Barack Obama from using executive action to erode the right to keep and bear arms, which is the embodiment of a current plan by his Bureau of Alcohol, Tobacco, Firearms and Explosives to ban ammunition for the most popular firearm in America today.SAF Authorizes Court Action If .223 Ammo Ban Is Implemented
By Second Amendment Foundation Wednesday, March 4, 2015
BELLEVUE, WA – The Second Amendment Foundation has authorized court action if the proposed ban on .223-caliber ammunition is implemented by the Bureau of Alcohol, Tobacco, Firearms and Explosives, the foundation's general counsel has warned in a letter to BATFE Director B. Todd Jones.CCRKBA Letter To BATF Chief Blasts Proposed Ammo Ban
By CCRKBA Tuesday, March 3, 2015
BELLEVUE, WA – The Citizens Committee for the Right to Keep and Bear Arms has sent a blistering letter to B. Todd Jones, director of the Bureau of Alcohol, Tobacco, Firearms and Explosives, opposing the Obama administration's proposed ban on M855 ammunition for modern sport-utility rifles.Federal Judge Denies Stay Request In Gun Transfer Case
By CCRKBA Monday, March 2, 2015
BELLEVUE, WA – A federal court in Texas has denied a government motion for a 60-day stay in a case involving interstate handgun transfers in which the judge applied strict scrutiny to determine whether a ban on such transfers meets constitutional muster.
SAF Funds Challenge To NJ Carry Law
By Second Amendment Foundation Monday, February 23, 2015
BELLEVUE, WA – The Second Amendment Foundation confirmed today that it is financially backing the legal challenge to New Jersey carry laws by Israel Albert Almeida, the Andover man who is battling to obtain a concealed carry permit for personal protection.Number of violent crimes involving guns exaggerated by an over-inclusive definition of gun crime
By Gary Mauser Monday, February 23, 2015
By using an over-inclusive definition, Statistics Canada has exaggerated the number of violent crimes that involve guns. The result is that gun violence appears to be four times more frequent than it really is. In 2013 (the most recent year statistics are available) Statistics Canada reports that there were 5,027 "firearms-related" incidents out of 263,054 violent crimes (i.e., 2% of violent crimes). Clearly, gun violence isn't prevalent.CCRKBA Supports Cornyn's National Measure On CCW Reciprocity
By CCRKBA Friday, February 20, 2015
BELLEVUE, WA – The Citizens Committee for the Right to Keep and Bear Arms is encouraging its members to contact their U.S. senators and congressional representatives in support of Sen. John Cornyn's Constitutional Concealed Carry Reciprocity Act of 2015.SAF Victory Again Shows Gun Rights Restoration Possible
By Second Amendment Foundation Thursday, February 19, 2015
BELLEVUE, WA — The Second Amendment Foundation has once again funded and won a small but significant federal court victory in a Pennsylvania case in which a federal judge ruled that a man convicted of a misdemeanor crime several years ago, but who has demonstrated that he "would present no more threat to the community" than an average law-abiding citizen, may not lose his Second Amendment rights under a federal gun control statute known as 922(g)(1).CCRKBA To NJ: "You're Part Of The United States, Not A Police State!"
By CCRKBA Wednesday, February 18, 2015
BELLEVUE, WA – The Citizens Committee for the Right to Keep and Bear Arms today is reminding New Jersey that it is "still part of the United States, not a police state," over the case of retired teacher Gordon Van Gilder who faces ten years in prison for possession of an unloaded, antique flintlock pistol during a traffic stop.Page 1 of 43 pages 1 2 3 4 5 6 > Last ›


text:
"I didn't realise I was a puritan..."
I bought this book as I haven't yet read the bible cover to cover. I'd heard that The Story was great for getting an overview. It certainly is... but in listening to it I easily pick up parts that are "smoothed over" or omitted completely in order to facilitate The Story(line). It seems I'm a stickler for little details :-)
If you want this purely to get an overview.. in 16 hours - you'll probably enjoy it. I'll plan follow this up with the 90+ hours full (dramatized) Bible version.
"The concepts just stay in my head"
This book really packs a punch. The concepts make so much sense. Even now when dealing with people, pictures painted in this book pop into my remembrance which helps me deal with the situation.
I highly recommend this book for business and church (and any) leader.
"Best book about healthy eating"
What a phenominal little book. Absolute common sense - and spinkled with humour too. I love the part where he says his plan is obviously flawed because he can't make money selling us his supplements (cos there aren't any)! You won't regret this download.
Report Inappropriate Content
If you find this review inappropriate and think it should be removed from our site, let us know. This report will be reviewed by Audible and we will take appropriate action.


text:
customer service
(sign out)
click here
for assistance.
Your version of Internet Explorer is out of date. For best experience please upgrade to Internet Explorer 7 or above.
37 products
showing items: 1-24
of 37
items per page:
view all
Nightshade Wash
Zinc Wash
Concrete Wash
Medium Indigo Wash
Rinse Wash
Sapphire Blue
Dark Rinse Wash
Raven Wash
Mercury Wash
Ink Wash
©jcp Media Inc.,
All Rights Reserved


text:
1). Economic Goods and Services People begin to learn about economics when they are still very young. Even before they start school, they make two very important economic discoveries. They find that there are lots of things in the world they want. They also find that they cannot have them all. There is a big gap between what they want and what they can have. Later, young people learn another lesson. When they watch television commercials, they discover that there are thousands of things they or their parents could buy. Gradually, they settle into two major economic roles: consumer and producer. In the role of consumer, a person buys goods and services for personal use, not for resale. Consumer goods are products, that satisfy people's economic needs or wants. Some consumer goods, such as food, do not last a long time. Other goods, such as cars or VCRs, last longer. Sooner or later, though, consumer goods are used up. Bananas are a typical example of perishable goods, by "perishable" we mean goods which cannot be stored for any length of time without going bad. Most foodstuffs are in the perishable category. Services are actions , such as haircutting, cleaning or teaching. Services are used up at the time they are provided. A producer makes the goods or provides the services that consumers use. A person who shovels snow during the winter or clerks in a store is providing a service. Students working after school or during the summer earn money to buy some of the things they want - records, books, or a car. They are learning about the role of the producer. In order to produce something, however, a person must first have right resources. Resources are the materials from which goods and services are made. There are three kinds of resources: human (people), natural (raw materials), and capital resources (capital, or the money or property). If either of these resources is missing, production will stop. The economy as a whole, like an individual, can produce only products for which it has the right kind of resources. No economy can produce the things people want if it doesn't have enough of the right kinds of resources. And no economy has an unlimited supply of resources. In other words , there is a scarcity of resources. Scarcity is the situation that exists when demand for a good, service, or resource is greater than supply. In economics, you will study how people use their resources, to make the goods and to provide the services they want. Economics is also the study of how people decide who will get the goods and the services produced. Human wants tend to be unlimited, but human, natural, and capital resources are, unfortunately, limited. The basic economic questions individuals and nations face, are: 1. What goods and services will be produced? 2. How will they be produced ? Who will get them ? 3. How much will be produced for now and how much for the future? The answers to the questions depend on a country's human, natural, and capital resources, and also on its customs and values. Each country will answer three questions in a different way. 2). Opportunity costs All production invo1ves a cost. This cost is not counted simply in terms of money but also in terms of resources used. The various resources used in producing good or a service are the real costs of that product. In building a bridge, for example, the real costs of the bridge are the human, capital, and natural resources it consumes. To build a bridge requires the labour of many people, including engineers and construction workers. The capital resources these people use include a variety of tools and machines. Building a bridge also requires natural resources, such as iron ore and coal. These natural resources are used to make the steel that is used in constructing the bridge. Since resources are limited and human wants are unlimited, people and societies must make choices about what they want most. Each choice involves costs. The value of time, money, goods and services given up in making a choice is called opportunity cost. When steel is used to make a bridge instead of a hospital, the loss in hospitals is the opportunity cost of making the bridge. In fact, any resources used for the bridge are then no longer available for something else. When people make a choice between two possible uses of their resources, they are making a tradeoff between them. To make choices that best satisfy human wants, people must be aware of all the tradeoffs. Then, society will understand the true costs of making one decision rather than another, and can make the decision that best fits its values and goals. How can the concepts of opportunity costs and tradeoffs be used to help explain how the economy works? One way is to construct a simple plan of the economy called an economic model. The simple plan helps economists to analyse economic problems, seek solutions, and make comparisons between the economic model and the real world. An economic model is a little bit like a model aeroplane. It helps to explain how the real thing works, even if it doesn't fly. When models are used to help solve economic problems, their usefulness depends on the assumptions made about the world. One of the most important choices a society makes is between producing capital goods and producing consumer goods. If a nation increases its production of consumer: goods, its people will live better lives today. However, if a nation increases its production of capital goods, its people may live better in the future. Choosing between home computers and industrial robots is an example of a choice a society must make. Society must decide what it wants and what it is willing to give up to get it. The same applies to you individually. Since every economic decision requires a choice, economics is a study of tradeoffs. When you analyse each side of a tradeoff, you can make better decisions. 3). Utility and prices. 0ur basic need are simple but our additional individual wants are often very complex. Commodities of different kinds satisfy our wants in different ways. A banana, a bottle of medicine and a textbook satisfy very different wants. This characteristic of satisfying a want is known in economics as utility. Utility, however, should not be confused with usefulness. For example, a submarine may or may not be useful in time of peace, but it satisfies a want. Many nations want submarines. Economists say that utility determines the relationship between a consumer and a commodity. Utility varies between different people, and between different nations. A vegetarian does not want meet, but may rate the utility of bananas very highly, while a meat-eater may prefer steak. A mountain-republic like Switzerland has little interest in submarines, while maritime nations rate them highly. Utility varies not only in relation to individual tastes and to geography, but also in relation to time. In wartime the utility of bombs is high, and the utility of pianos is low. Utility is therefore related to our decisions about priorities in production. The production of pianos falls sharply in wartime. The utility of commodity is also related to the quantity which is available to the consumer. If paper is freely available, people will not be so much interested in buying too much of it. If there is an excess of paper, the relative demand for paper will go down. We can say that the utility of a commodity therefore decreases as the consumer's stock of that commodity increases. In most economic systems, the prices of the majority of goods and services do not change over short periods of time. In some systems it is of course possible for an individual to bargain over prices, because they are not fixed in advance. In general terms, however, the individual cannot change the prices of the commodities he wants. When planning his expenditures, he must therefore accept these fixed prices. He must also pay this same fixed price ho matter how many units he buys. A consumer will go on buying bananas for as long as he continues to be satisfied. If he buys more, he shows that his satisfaction is still greater than his dislike of loosing money. With each, successive purchase, however, his satisfaction compensates less for the loss of money. A point in time comes when the financial sacrifice is greater than the satisfaction of eating bananas. The consumer will therefore stop buying bananas at the current price. The bananas are unchanged: they are no better or worse than before. Their marginal utility to the consumer has, however, changed. If the price had been higher, he might have bought fewer bananas; if the price had been lower, he might have bought more. It is clear from this argument that the nature of a commodity remains the same, but its utility changes. This change indicates that a special relationship exists between goods and services on the one hand, and a consumer and his money on the other hand. The consumer's desire for a commodity tends to diminish as he buys more unites of it. Economists call this tendency the Law of Diminishing Marginal Utility. The interaction of buyers arid sellers determines the price for goods and services. If the price is too low a shortage will develop, thereby driving up the price. If the price is too high, a surplus will develop and move the item's price down. A society may interfere in market prices by means of price controls and ration stamps. Price controls are often used in times of severe shortages to make sure that the prices for important items, such as food and gasoline, do not go too high. The price of rental housing is controlled I by law in some American cities today. During World War II, people were issued ration stamps for meat, butter, sugar, canned goods, shoes and gasoline. Such person was thus able to get the minimum amount of these goods needed to survive. Price controls and ration stamps were also discussed in recent years as a way of dealing with temporary shortages in gasoline and heating oil. In a market economy, prices are the result of the needs of both buyers and sellers. The sellers will supply more goods at higher prices than at lower ones. The buyers will buy more goods at lower prices than at higher ones. Some price is satisfactory to both buyers and sellers. At that price the supply - quantity offered for sale - equals the demand - quantity people are willing to buy. Since no surplus or shortage exists, there is no pressure on price to change. This point is called an equilibrium price. At the equilibrium price, the amount producers will supply and the amount consumers will buy are the same. 4). Markets and monopolies. Whenever people who are willing to sell a commodity contact people willing to buy it, a market for that commodity is created. Buyers and sellers meet in person, or they may communicate by letter, by phone or through their agents. In a perfect market, communications are easy, buyers and sellers are numerous and competition is completely free. In a perfect market there can be only one price for a given commodity: the lowest price, which sellers will accept, and the highest which consumers will pay. There are, however, no really perfect markets, and each commodity market is subject to special conditions. Competition influences the prices prevailing in the market. Prices inevitably fluctuate), and such fluctuations are also affected by current supply and demand. Although in a perfect market competition is unrestricted and sellers are numerous, free competition and large numbers of sellers are not always available in the real world. In some markets there may only be one seller or a very limited number of sellers. Such a situation is called a "monopoly", and may arise from a variety of different causes. It is possible to distinguish in practice four kinds of monopoly. State planning and central control of the economy often mean that a state government has the monopoly of important goods and services, e.g. most national authorities monopolize the postal services within their borders. A different kind of monopoly arises when a country, through geographical or geological circumstances, has control over major natural resources or important services, e.g. Canadian nickel and the Egyptian ownership of the Suez Canal. Such monopolies can be called natural monopolies. Legal monopolies occur when the law of a country permits certain producers, authors and inventors a full monopoly over the sale of their own products. These types of monopoly are distinct from the sole trading opportunities when certain companies obtain complete control over particular commodities. This action is often called "cornering the market" and is illegal in many countries. In the USA anti-trust laws operate to restrict such activities, while in Britain the Monopolies Commission examines all special arrangements and mergers which might lead to undesirable monopolies. In the market systems, competition answers the basic questions of what, how, for whom, and how much. Competition among producers is for the highest profits. Competition among consumers is for the best goods and services at the lowest prices. Obtaining the highest profits arid the best goods at the lowest price are the only moti- ves the market system considers. In a market economy three basic resources - land, labour and capital - are bought and sold for the best price. Market for labour is constantly changing. Producers are in competition with one another to hire the best workers for the lower wages. Workers compete with one another to get the best jobs at the highest wages. Producers' needs for workers change constantly. Young people train for a career, then, need to consider what types of workers will be needed in the future. Planning a career requires careful study of statistics showing which jobs are growing. Further, career planning must include the ability to change with the economy. Workers need to be able to learn new skills to remain competitive in the market. 5). Supply and demand. In a market economy, the actions of buyers and sellers set the prices of goods and services. The prices, in turn, determine what is produced, how it is produced, who will buy it, and what will be the mix of consumer and capital goods. Supply, the quantity of a product that suppliers will provide, is the seller's side of a market transaction. Suppliers usually want the price that allows them, to make the most money. Demand, the quantity of a product consumers want, is the buyer's side of a market transaction. Buyers want the price that gives them the most value for the least cost. One place to see how demand works is an auction, a market where goods are sold to the highest bidders. Because the items are sold one at a time, buyers must quickly decide what prices they are willing to pay. If not, they risk seeing the item go to some else who is willing to pay more. Imagine now that you are at the auction with about 100 other people. The auctioneer brings out a used electric popcorn maker, and you decide you would like to own it. In order to get it you will have to outbid all the others who want it. How do you decide how high to bid? Since you know you will have to pay for the popcorn maker right away, you look into your wallet. Only a $5 bill is there. You know that you have another $15 bill in your desk at home, and that your companion will lend you that amount if you return it tomorrow. You know that a brand-new popcorn maker sells for $14. A used one is not worth quite that much to you. You decide you are willing to go as high as $10 but not higher. Besides, if you spend all your money, you will not have anything left to buy popcorn, oil, salt and butter. What factors far have influenced you? Your decision is the result of your tastes (for popcorn), your available cash income (the $5 you carry), your wealth (the $15 at home), and your credit (the loan your friend, will make). You have also had to think of the price of a substitute (a new popcorn maker) and the price of related items (e.g. popcorn and salt). The bidding starts at $1 and five people take part in the bidding. When the price goes up to $6, one person drops put. That person wants to spend $5 for the item. A second person drops out at $8, and two mote drop out when the bids reach $9. That leaves only one - you. The popcorn maker is yours for $9. Consumers are more sensitive to some price changes than to others. You may not want to buy a car if its price goes up 10 percent . But if the price of salt goes up 10% , chances are you will pay extra amount rather than go without salt. The degree to which changes in price cause changes in quantity demanded is called elasticity of demand. The number of cars demanded changes greatly as car prices change; so the demand for cars is highly elastic. The demand for salt is more inelastic: people buy nearly the same amount even though the price of salt changes. There are two basic reasons for elasticity of demand. The first concerns the relationship between income and the cost of the product. A car, for example, may easily cost 50% of your annual income. Salt probably costs less than 50% of your annual income. The smaller the proportion of your income that a product costs, the more inelastic is its demand. The second reason why demand is elastic concerns whether or not substitute product is available. 6). Economic growth. If you spent all the money you have now, you might be able to buy many of the things you want. However, you probably would choose not to spend all of your money right now. You realise that by saving some now, you will save more for the future. Societies also must save some of what they produce today in order to have more for tomorrow. Every society must produce capital goods as well as consumer goods to meet future economic needs. Long-range economic growth depends on the continued production of capital goods. Everyone who works contributes to the growth of capital resources. Suppose you earn $72 a week, working evenings in an auto repair shop. How do you contribute to the growth of capital resources? If your manager paid you exactly what the customer paid the company, what would happen to the company? What would happen to the business if no money were saved to replace old tools and equipment? Your labour must be valuable enough to earn more than just the money to cover your wages. When your manager bills customers for the work you did, the amount will be large enough not only to cover the company's costs but also to invest in capital resources. Your labour may earn your company $100 a week. Since you are paid $72, you are helping the company to collect $28 a week. Some, or all, of this money can be used for capital resources. When your company uses this money to buy new equipment, it expects future returns from the equipment to justify the purchases. The manager may decide to replace the old tools, hire more help, or expand the shop, for example. The manager makes decisions based on how the company will earn the most profits. In recent years, many people have argued that economic growth is a mixed blessing. The advantages of growth are fairly clear. As people produce more goods and services, the average standard of living goes up. Growth also keeps people employed and earning income. It provides people with more leisure time, since they can decrease their working hours without decreasing their income. Growth provides the government with additional tax revenues, which enable it to spend more on programs for education, water and air purification, medical care, highway construction, and national defense. What are the disadvantages, then? Four of them are: (1) use of natural resources that cannot be replaced, (2) generation of waste products, (3) destruction of natural environments, (4) uneven growth among different groups in society. In the past, growth has allowed poor people to improve their economic conditions. During periods of growth, people have felt optimistic about their future. Nevertheless, continuing economic growth at the pace of today may permanently damage our world, polluting air, land, and waters, and using up natural resource. In considering the benefits and problems of growth, it is necessary to recall that to survive, every economy needs people, capital and natural resources, that depend on one another. If these resources are overused to promote economic growth now, future growth may be much slower. Growth, however, sometimes provides solution to the problems. 7). The nation's economy. GNP. Economic indicators Economists study different sides of the economy in different ways, they may show how one product market operates, or the way one group of the consumers decides how to spend money. Microeconomics is the part of economics that analyses specific data affecting an economy. Macroeconomics is the branch of economics that analyses interrelationships among sectors of the economy. Macroeconomists use various methods to measure the performance of the economy. Statistics measure gross national product, or GNP, which is the value of all goods and services produced for sale during one year. All the goods and services produced must be counted, and their value determined. If a farmer produces 1,000 bushels of apples worth $10 per bushel, that farmer would add $ 10,000 to the year's GNP. In the United Slates the Department of Commerce computes GNP. Information is collected for every good or service produced in the nation during a year, but not everything is counted. Three factors limit the types of products counted. First, only goods and services produced during a specific year are counted. Second, not every good or service produced or sold during the year can be counted. For example, if both the flour the baker used and the bread produced were counted, the flour would be added in twice and so exaggerate the gross national product. To avoid this problem, economists count a product or a service only in its final form. They count the baker's flour in its final product form - as a loaf of bread or cake. Products in their final form are called final goods and services. Third, GNP includes only goods sold for the first time. When goods are resold or transferred, no wealth is created. One way in which economists measure GNP is the flow-of-product approach. Using this method, they count all the money spent on goods and services to determine total value. Each time a new product is sold, GNP increases. For example, when an individual, a business or a government buys a chair for $ 50, that purchase causes GNP to increase by $50. Spending for products falls into four categories. The first, and the largest, consumer spending, includes all expenditures of individuals for final goods and services. Called personal consumption expenditures, this category accounts for about 65 per cent of GNP. The second category includes all spending of businesses for new capital goods. Since these purchases are investments, this category is called gross private domestic investment. It accounts for about 13 % of GNP. The third category includes spending of all levels of government. Government purchases of goods and services account for about 21 per cent of GNP. The fourth category is net exports of goods and services, about l% of GNP. Another way of determining GNP is the earnings-and-cost approach. This method accounts for all the money received for the production of goods and services, it measures receipts. Figuring gross national product by counting what people receive requires calculating what the entire country earns for the goods it makes and the services it performs. Included in earnings are such things as business profits, wages and salaries, and taxes the government receives for its services. Also counted are interest on deposits, money received as rent, and any other forms of income. Business and government planners, investors, and consumers make decisions based on their expectations of future economic performance. To help predict expansion or contraction of the economy, government economists identified a number of indicators. They fall into three categories: leading, coincident, and lagging. Leading economic indicators rise or fall just before a major change in economic activity. Coincident economic indicators change at about the same time that shifts occur in general economic activity. Lagging economic indicators rise or fall after a change in economic activity. Following and interpreting all economic indicators is time-consuming. The US Commerce Department, therefore, lists a composite index, or single number, for each of the three sets of indicators. These composite indexes are an average of all the indicators in each category. 8). Income and Spending People's incomes determine how many of the economy's goods and services they can purchase. Income is the money a person receives in exchange for work or property. There are five basic types of income. 1. Employee compensation is the income earned by working for others. It includes wages and fringe benefits such as health and accident insurance. 2. Proprietor compensation is the income that self-employed people earn. 3. Corporation profit is the income corporations have left after paying all the expenses. 4. Interest is the money received by people and corporations for depositing their money in savings account or lending it to others. 5. Rent is income from allowing others to use one's property temporarily. The total income is the sum of employee and proprietor compensation, corporation profit, interest and rent. In each category, people receive this income in return for providing goods or services. One other type of income is a transfer payment - money one person or group gives to another, though the receiver has not provided a specific good or service. Gifts, inheritances, and aid to the poor are three examples of transfer payments. During this century, the percentage of people who work for themselves has generally declined. Increasingly, people are employees and not self-employed. By the type of work people do workers fall into one of four broad categories. 1. White collar workers are people who do jobs in offices, such as secretaries, teachers, and insurance agents. 2. Blue collar workers are people who do jobs in factories or outdoors. Artisans, such as carpenters and plumbers, are blue collar workers. 3. Service workers provide services to other individuals or businesses. Janitors, barbers, and police are service workers. 4. Farmworkers are people who work on their own farms or those of others. In the market system a person's income is determined by how the market values that person's resources and skills. Individuals, such as doctors, whose skills society values, receive high incomes. People who own valuable resources, such as capital to invest or land to develop, also receive high incomes. Income is not the same as wealth. Wealth is any resource that can be used to produce income. An individual's possessions, such as a house, a car, or a stereo, are part of that person's wealth. Each of these could be sold to produce income. Savings accounts and, corporation stocks are types of wealth that usually produce income. Labour skills are not counted because they are difficult to measure. In addition, an individual's debts are subtracted from personal wealth. A person with many valuable possessions but many debts may have no more wealth than a person with a few possessions but no debts. People with similar incomes may have very different amounts of wealth. Consider two women who receive an income of $25,000 a year. One earns all of her income working at a bank. The other receives her $25,000 income from dividends on stock worth $250,000. Aside from the stock the second woman owns, the possessions and debts of the two are similar. The difference in stock ownership, though, is large. The second woman is much wealthier than the first woman. When individuals receive any income, whether as allowance, paycheque, or gift, most of that income is spent. Spending becomes income for someone else. The money each individual spends multiplies throughout the economy as others receive and spend parts of it. In addition, the choice you and others make can lead to investment spending. More things are made and more places are built. Thus spending results in changes throughout the economy. 9). Making personal budget. The quantity and the value of things, which we could buy for our own money, depend on the amount of income and the way we use it. In this situation making our personal budget could help us. As consumers, we are limited in expenses by our financial abilities. In general, we could follow our expenses, that's why we have money for daily needs. But sometimes people are not able to buy goods and services they want, because they have not enough money. That's why we should use income as affectively as possible. To calculate all income and spending people make personal budget. Budget – is a financial plan, which sum all income and spending for a definite period of time. When the budget shows, that income is the same as spending, it is called balanced budget. If spending is grater than income, it is deficit budget. When income is grater than spending, the budget will have surplus. Though there are a lot of methods to make personal budget, this process always includes three phases. 1. First, to put up financial purposes. That means, that you should plan the most expensive purchases, which you want to buy in future. To buy a car, to study at the University or to start own business you will need more money, than you can pay at the moment. That's why people make savings to reach these purposes in near future. 2. Second, to evaluate the income. The next step in making personal budget will be preparing a list of all your sources of income. It includes wages, salary, cash, and interest on savings. 3. Third, to plan expenses. At this phase, you enumerate all things you need to buy or to pay for at a period of time. It will help to consider your needs once more, and to except the things you needn't. In planning expenses you must include savings for the future. There are three kinds of expenses: fixed (that must be paid regularly), flexible (they are necessary but change with circumstances), and optional (they vary and not always necessary). If you have overspending, your budget should be readjusted or followed more carefully. Expenses should not be higher than income. 10). The value of a college education. Now days an understanding of opportunity costs and tradeoffs is important personally to high school students, as well as everyone else. Sooner or later high school students must make choices about what to do after graduation. Every year millions of students graduate from high school. The decisions they make will affect the rest of their lives. Some will choose to go to college; some will want to get full-time jobs; others will decide to obtain technical job training. Young people have one sharp question. How valuable is post-college schooling? They must make a decision, to go working and to have their own money now or to go to college and to get more in future. In this situation there is one good argument. For example, in the US the wage of a high-educated worker is 163% higher than of a person with middle education. Developing of science gave us microcomputers, optic-fibre connection, and industrial robots, which need high-quality personal. That is why the demand of well-educated people is very high now. I mean highly developed and developing countries. But as we could see, in Russia technical specialties become popular in the last five years. Which is connected with oil industry. Developing of financial system in our country also requires specialists in banking, insurance, and tax sphere. Some people could say tat the opportunity costs of going to college involve a loss of income and a loss of practical job experience while attending college. But I think, that these people live for today not for future. College education includes using time and money to gain greater advantages in future. All these arguments show, why college education is so popular in our time. In every case, economic reasoning will help students make better choices. 11). Pricing policies. Companies' pricing decisions depend on one or more of three basic factors: production and distribution costs, the level of demand, and the prices (or probable prices) of current and potential competitors. Companies also consider their total objectives and their consequent profit or sales goals, such as obtaining maximum income, or maximum market share, etc. Pricing strategy must also consider market positioning: quality products generally require "prestige pricing" and will probably not sell if their price is thought to be too low. Obviously, firms with excess production capacity, a large stock, or a falling market share, tend to cut prices. Firms experiencing cost inflation, or in urgent need of cash, tend to raise prices. A company faced with demand that exceeds its possibility to supply is also likely to raise its prices. When sales respond directly to price variations, demand is said to be elastic. If sales remain stable after a change in price, demand is inelastic. Although it is an elementary law of economics that the lower the price, the greater the sales, there are numerous exceptions. For example, price cuts can have unpredictable psychological effects: buyers may believe that the product is faulty or of lower quality, or will soon be replaced, or that the firm is going bankrupt, etc. Similarly, price rises convince some customers that the product must be of high quality, or will soon become very hard to get hold of, etc. A psychological effect that many sellers count on is that a potential customer seeing a price of $499 will register the $400 price range rather than the $500. This technique is known as "odd pricing". Obviously most customers consider elements other than price when buying something: the "total cost" of a product can include operating and servicing costs, and so on. Since price is only one element of the marketing mix, a company can respond to a competitor's price cut by modifying other elements: improving its product, service, communications, etc. Reciprocal price cuts may only lead to a price war, good for customers but disastrous for producers who merely end up losing money. Whatever pricing strategies a marketing department selects, a products selling price generally represents its total cost (unit per cost plus overheads) plus profit or "risk reward". Overheads are the various expenses of operating a plant that cannot be charged to any one product, process or department, which have to be added to prime cost or direct cost, which covers material and labour. Cost accountants have to decide how to allocate or assign fixed and variable costs to individual products, processes or departments. Microeconomists argue that in a fully competitive industry, price equals minimum average cost equals break-even point. 12). The rights of a consumer and responsibility of a supplier. Complaining about faulty goods or bad services is never easy. Most people dislike making a fuss. However, when you are shopping, it is important to know your rights. For example, these are major rights of a consumer in the US, which President Kennedy included in a bill of ―Consumer rights‖ in 1962. 1. The right of safety. Consumers have rights to be protected from danger goods. The Government created Product Safety Commission in 1972. This organization protects consumers from risk of faulty goods. 2. The right to be informed. The consumers must know: a). What are they buying. b). What are the rules of selling and guaranties. c). The risk that accompanies using the product. This right is under control of Federal Trade Commission since 1973. 3. The right to choose. The competition on market is a basis of free business. That is why the government realizes antimonopoly and antitrust policy. 4. The right to be heard. Most large companies have departments, which receive complaints and suggestions from consumers. The consumer must observe these rights and law rules. From its side, the government regularly holds discussing on these problems. The federal government and state governments finance other organizations: Office of Consumer Affairs, Food and Drug Administration, Government Printing Office, Department of Agriculture. 13). Labour problems, cost of growth. By economic growth we understand the increasing of factors of production, the quantity and the quality of goods and services. There are two types of economic growth: 1. Extensive economic growth has place, when people use more resources to increase production. It also includes new labour resources. 2. Intensive means, that we use our resources more effectively, and new technologies. Now days, in highly developed countries 20-30% - are extensive factors of production, and 70-80% - intensive. What are the advantages and disadvantages of economic growth? Advantages: 1. Modernizing of agriculture and other branches of production. Using new methods and technologies. 2. Developing of infrastructure (transport, electricity, connection). 3. The population of the country gets new goods and services, which they need to raise their standard of living. Developing of production needs labour resources, and goods for export. This export allows the country to take part in foreign trade, and to buy goods and services, which it can't produce by itself. 4. The standards of education rise. People, who are working at new factories, need high level of education. And the other part obtains technical job training. 5. Economic growth helps the country to increase its capital resources. So it can start new branches of production and help poor countries. Disadvantages: 1. For developing countries economic growth needs capital resources. But this requires some savings, and that means new privations to the people. 2. Sometimes developing countries take credits. And the creditors use it to exploit the country. 3. Ecological problems, such as: polluting air, land, and waters, using up natural resources. What about labour problems. It is a well-known fact in economy now days. Many famous economists studied it, and they came to a mind, that it was a common process. They called it structure unemployment (one of three branches of unemployment). It means, that people loose their jobs because of technological changes in economy. Old productions and specialties miss and new come, because people use new methods of production goods and services. That fact was shown in the US in 1982, when economic growth in automobile production was a cause of mass unemployment in that sphere. That's why governments in many countries help unemployed workers by retraining programs and so on. 14). An annual report of a company. Corporations issue annual reports summarising the progress made in the past year. Stockholders and potential investors use the annual report to evaluate the performance of the corporation. The ability to read an annual report is a basic skill for understanding how a business operates. The annual report is a message to the stockholders - the owners of a corporation from the corporate management. The report tells the stockholders the company's financial status at the end of the fiscal year and what the management sees for the future. Also, the annual report fulfils a legal requirement. The Securities and Exenange Commission (SEC), a federal agency in the USA, requires corporations to publish financial information about their firm. With such information, investors can make educated decisions. Libraries stock annual reports of major corporations. Annual reports generally are divided into two sections. The first section contains a letter to the stockholders from the chief executive officer (CEO) of the corporation. Accompanying this letter summarising the corporation's performance is a chart of financial highlights. Also frequently included in the first section is an overview of the corporation's organization. The second section includes statistics on the company's performance. Most of the information appears in charts and graphs. The balance sheet is a chart that includes the assets (items of value the company owns) and its liabilities (debts or claims against the assets of the company). The balance sheet represents the financial picture of the firm at one instant in time. The income statement shows the profit or loss of the company for the year. This chart reports the income the company received from sales, interest, and other sources. The operating costs - salaries, advertising, maintenance - deducted from the income total the profit or loss. The statement of stockholders ' investment, or equity, includes information on the company's stock, such as number of shares outstanding and issued. Various parts of the annual report can be used to determine whether a corporation is profitable. In addition to reporting on this current year, most corporations include in their annual reports comparisons of the current year and the prior year's financial information. 15). Money. History. Functions and forms. There is one subject over which everybody has complete mastery, that is money. But what is money? To answer that question, we go back in time. Today we exchange our money for goods which others sell to us, and for the services which others provide for us. In a primitive community people obtain goods and services by barter. Trade by barter is the earliest form of trade, when people offer goods in exchange for what they want. However barter involves many difficulties. There is the problem of "double coincidence of wants". Then there is the problem of the "rate of exchange". As primitive communities develop into more advanced societies people realize they need some commodity they can use in exchange for anything, some commodity that does not decay and remains valuable, some commodity with the help of which people can measure the value of one thing against the value of another thing. Such commodity is money. It does not depreciate, people accept money in exchange for anything, they measure all goods in terms of money. Thus money is a necessary part of any civilized society. It serves as: 1. a medium of exchange 2. a store of wealth 3. a measure of value Money means coins, banknotes and cash in the bank account. We use it to make payments. Now days we know that the units of money must have certain qualities to be successful. They must be: 1. Standard. They must all be of the same kind, look the same, weigh the same, all be of the same type, shape, size and quality. 2. Durable. They must be strong and long-lasting, so that they are a store of value and do not wear out easily. 3. Scarce. They must be difficult to come by to keep their value. 4. Acceptable. They must be accepted as a medium of exchange in a society or country for buying and selling, that is they must be legal tender. 5. Portable. They must be easy to carry. 6. Divisible. It must be possible to divide the units of money of large value into smaller values. In the past many things were used as the medium of exchange — corn, furs, rice, tobacco, salt tea, rum — there is no end to them. In time people realized that metals were superior to the commodities previously mentioned because coins made from metal are homogeneous, portable and easily divisible by weight. The Ancient Britons and Greek used iron, the Romans used copper but gradually silver and gold replaced them, because they provide a greater value in a smaller bulk. Another advantage is that all gold and silver of a certain weight and fineness is the same. The advent of coinage is a step forward because coins are free from most of the disadvantages of earlier forms of money. The first coins are credited to China around about 1.000. B.C. After coins came notes. The hardest problem for anyone with money then was to find somewhere safe to keep it. It seemed sensible to look around for someone who had vaults and safes for their own business, and then to ask them to look after the money. Gold and silversmiths had such safes, because their trade was traffic in coin and bullion, and they needed somewhere secure to keep their stocks. So it came about in the seventeenth century that goldsmiths took these deposits for safe keeping. They issued a receipt which acknowledged the deposit of the money and incorporated a promise to return it on demand. More and more people came to hold these receipts and they began to circulate for value among merchants. Gradually it became the practice to issue these deposit receipts in standard amounts, e.g. 10, 50, 100. These receipts were very convenient, as they could be passed on, if one person owed money to another, and change hands many times, and still be good for payment. They came to be trusted and became usual in payment, as easier, lighter and quicker to handle than a lot of coin. The receipts were now expressed to be payable to bearer. People stopped calling them receipts, and began to describe them as goldsmiths notes. So the goldsmiths began to exercise some of the functions of a banker. They kept money and valuables on safe deposit, and they issued notes. Some of his receipts were always out, circulating in the hands of the merchants. So the goldsmith always had some cash in hand, and he started to lend this out, charging interest. This was the beginning of banks. 16). The Bank of England. The Bank or England was founded as a private joint-stock company in 1694. The specific reason for its formation was to provide money for the government during the war against France (1689-97). From the start, the Bank was in competition with the goldsmiths' banking business. When it started lending its own notes against all the types of security this competition became more marked. These early banknotes were convertible on demand, that is, one could exchange them at the Bank for gold coins. In 1708 the Bank got a near-monopoly of the issue of notes in England. No other corporate body, or banking partnership of more than six persons, could issue notes payable on demand. After the Act of 1907 the goldsmiths and the private bankers in or near London deposited their cash with the Bank and used its notes instead of their own. Still at this period there were the banknotes of the Bank of England, the banknotes of the country bankers, and gold coins, all circulating together. All the notes were convertible into gold. This system of notes was called the Gold Standard. The Gold Standard was an excellent scheme but it had a short life. In 1931 Great Britain came off the Gold Standard, because the gold reserves of the country were not sufficient to meet the demands from foreign financial centers. Since 1931 the banknotes of this country have been inconvertible. They are not backed by the nation's gold reserves. The first and most important function of a central bank is to advise the government on the making of the country's financial policy and then help to carry it out which means carefully monitoring the money supply. Its business at first was to receive money on deposit, discount approved bills of exchange and lend against satisfactory security. At first this lending was nearly all to the government, and gradually the Bank came to perform other services on behalf of the government, and so to become regarded as banker to the government. As in the country areas people had general suspicion of notes of many country banks, The Bank of England was empowered to open country branches. The present day branches of the Bank are found in Birmingham, Bristol, Leeds, Liverpool, Manchester, Newcastle, Southampton and at the Law Courts in London. From the time of its foundation the Bank had strong links with the government and these strengthened over the centuries until in 1946 it was nationalized and became publicly owned. The Bank of England is controlled by a Court of Directors, made up of the Governor, the Deputy Governor and sixteen directors. They are all appointed by the Crown. As the central bank of the United Kingdom, the Bank of England: — Implements the monetary policy of the government. It decides what percentage of bank deposits is held as cash, and what percentage may be lent. — Acts as banker to the government. It administers exchange control and keeps the nation's gold and foreign currency reserves. The Bank keeps the government's banking accounts, manages the accounts and funds of various governmental departments. — Acts as banker to the deposit banks. It keeps the accounts of other banks. — Acts as lender of last resort to the discount houses. — Has about 90 accounts for overseas central banks and for International Monetary Fund and the International Bank of Reconstruction and Development. 17). Banking in the USA. In the United States the origins of some banking services were associated with the Gold Rush. The first gold strike occurred in California in 1848. In the wake came the problems of carrying mail and gold dust over hundreds of miles. A concern called Adams and Company opened its office in San Francisco in 1849. It provided an express mail and stage-coach service to the mines. The express company received the miner's gold for the purpose of shipment. It weighed the gold, gave a receipt for it, and assumed responsibility for its safety. Thus the express company's iron safe became the local bank. About this time in Sacramento a group also opened a bank. There were three clerks, all armed with Colt revolvers and knives, and the banking hours were from six in the evening until ten at night. It was in 1852 that Wells Fargo and Company was born. In the July of that year two of its senior men arrived in California, one to be responsible for the express services, the other for the banking. The company forwarded packages, parcels and freights of all descriptions between New York and San Francisco, purchased and sold gold dust, bullion and bills of exchange. It also attended to the payment and collection of notes, bills and accounts. It was very different from the goldsmiths and their notes. And yet the basic functions of providing security, accepting deposits, paying and collecting bills, were exactly the same. All that has happened since has been only a development of these basic functions. At present the Federal Reserve System is the core of the country's financial institutions, payment processes, markets and instruments. The system has four basic functions: 1. influencing the supply of money and credit, 2. regulating and supervising financial institutions, 3. serving as a banker and fiscal agent for the government, 4. supplying payments and services to the public through depositary institutions. The system is an unusual system of public and private elements and centralized and decentralized components. At the head of its formal organization is the Board of Governors, located in Washington, D.C. The seven members of the board are appointed for 14-year terms by the President with the advice and concent of the Senate. At the next level are the regional Federal Reserve Banks. Each of the 12 Reserve Banks serves a certain region of the country. The Reserve Banks are not profit motivated. Instead their policy is based on the System's estimates of the needs of the economy. The organization of the System also includes The Federal Open Market Committee. It is the most important money policymaking body because it exercises broad control over the growth of the nation's money supply. It also has charge of the System's operations both in domestic securities market and in foreign exchange markets. Two-fifths of the 12.600 commercial banks in the US belong to the System. National banks must be members; state-charted banks may join if they meet certain requirements. Each member bank holds 3 percent of its capital as stock in its Reserve Bank. About 25.000 other depositary institutions provide American people with banking services. 18). Types of banks. Banking in Great Britain started with small local banks in each town, but to increase their funds and widen their business, mergers and takeovers began to take place on a large scale. So, that now there are only a few banks, each with many branches (the Big Six — Barclays, Courts, Lloyds, Midland, National Westminster and Williams and Glyns). They are clearing banks, i.e. they have a seat in the Clearing House. This is an arrangement for a quick settlement of payments between different banks. Those banks without a seat in the Clearing House get their cheques cleared by a bank which has, acting as an agent. Clearing is the process whereby the amount of a cheque is transferred from the drawer's bank to the payee's bank. The origin of the Clearing House was somewhere in the 1770s, when the clerks of the private banks of those days met each other daily to exchange cheques on their various banks and to settle up. The clearing banks have many competitors in different sections of their business. These rival bodies want to collect and use the public's savings for different purposes. Merchant banks carry on a great variety of business, and each tends to specialize in certain activities or in transactions with particular countries. Some activities, however, are basic to all of them. These are deposit banking, underwriting, and the management of client funds. The National Giro is a nationally owned scheme for the fast transfer of payments through post offices. The National Giro was set up to modernize the remittance services of the Post Office. The Giro system is particularly appropriate for the payment of rates and bills by instalments, hire purchase and mail order remittances, and pay- ments for the renting of consumer durables. One big drawback to the service provided by the clearing banks is the restricted hours during which they are open to the public. This led to the establishment of money shops. These are operated by finance companies and some American banks. The accent is on the lending and not all money shops provide current account facilities, although some do; but attention is given to the provision of personal, home improvement and mortgage loans, life and general insurance facilities, investment advice, and savings accounts. Similar to them are money shops in chain stores, open where the store is open — the 'in-store banks'. Of these the most numerous are those of the Cooperative Bank, which set up nine 'handybanks' in the Birmingham area and hopes that within two years there will be 500 of these banking points in Cooperative stores around the country. Such a handybank gives facilities for cashing cheques, depositing money, travel cheques, and it is open all day Saturday. 19). Types of bank services. Banks are among the most important financial institutions in the economy That produce and sell financial services. In fact banks are those financial institutions that offer the widest range of financial serices of any business firm in the economy. Their success or failure depends on their ability to identify financial services the public demands, produce those services efficiently and sell them at a competitive price. Banking covers so many services that it is difficult to define it. Most banks offer a combination of wholesale and retail banking, i.e. they provide large-scale services to companies, government agencies and other banks and small-scale services to the general public respectively. Both types of banking, however, have three essential functions. They are: 1. Deposit function — receiving customers' deposits and offering interest-bearing deposits. 2. Payments function — making payments on behalf of customers for their purchases of goods and services. 3. Credit function — lending and investing money. There are some traditional services that banks offer. 1. Carrying out currency exchange. History shows that one of the first services offered by banks was currency exchange — a bank stood ready to trade one form of currency for another in return for a service fee. In today's financial marketplace trading in foreign currency is usually carried out by the largest banks due to currency risk and the expertise needed to carry out cash transactions. 2. Safekeeping of valuables. During the Middle Ages, banks began the practice of holding gold, securities, and other valuables owned by their customers in secure vaults. Customers still leave articles of value, locked boxes, wills, and many other things in bank strong rooms for safety. The customer should lock boxes and seal parcels before he hands them in to the bank. The banker will issue a receipt if so required. The banker hands them back only against a signature by his customer or a properly-appointed agent whom the bank knows. Some banks maintain a safe deposit service where the customer himself puts his documents or articles of value into his box in the strong room or takes them out. He alone has the key to his box. The bank keeps duplicate keys in case of emergency, but does not use them except in the presence of the customer or by his express authority. 3. Trust services. For many years banks have offered to manage the financial affairs and property of individuals and business firms in return for a fee. This property management function is known as trust services. Most banks offer both personal trust services to individuals and families and commercial trust services to corporations and other businesses. Banking is not static business today. Banks are undergoing sweeping changes in function and form. Among the newest services offered by banks are: 4. Financial Advising — customers have long asked for financial advice, particularly, when it comes to the use of credit and the saving and investing of funds. Many banks today offer a wide range of financial advisory services, from helping to prepare tax returns and financial planning to consulting for business managers and checking on the credit standing of firms and individuals who deal with one of the bank's business customers. 5. Cash Management — over the years banks have found that some of the services they provide for themselves are also valuable for their customers. One of the most prominent examples is cash management services, in which a bank agrees to handle cash collections and disbursements for a business firm and to invest any temporary cash surpluses in short-term interest-bearing securities and loans until the cash is needed. While banks tend to specialize mainly in business cash management services, there is a growing trend today towards offering similar services for consumers. 6. Selling Insurance Policies — most banks either offer selected insurance policies to their customers or have plans to offer insurance services in the near future. They hope to be able to offer regular life insurance policies and property-casualty policies, such as auto or home owners' insurance. 7. Offering Security Brokerage Services — in today's financial marketplace many banks are doing their best to become true "financial department stores ". This is one of the main reasons banks began to market security brokerage services in the 1980s, offering their customers the opportunity to buy stocks, bonds, and other securities without security dealers or brokers. It should be clear from the list of services described that the changes affecting the banking business today are so important that many industry analysts refer to current trends as "a banking revolution". 20). The company structure and development of the bases of H&G Ltd. Извините, но по техническим причинам придется делать самим на основе Unit 2 Language of Business. Тема несложная, думаю, сделаете без особых проблем.
Pages to are hidden for
"Economic Goods and Services.rtf"Please download to view full document


text:
Everyone's favorite vampire sheriff has been announced as the face for Calvin Klein's latest men's scent, Encounter. The steamy campaign, shot by Steven Klein, also features the brand's current leading lady, Lara Stone. The fragrance will hit counters in August for the Brits and in September for the rest of the world.
Alexander McQueen
See it »


text:
Linden City Mosquito Control Levy Increase Proposal (November 2012)
From Ballotpedia
Revision as of 15:27, 22 October 2012 by Josh Altic (Talk | contribs)
A Linden City Mosquito Control Levy Increase proposal is on the November 6, 2012 election ballot in Genesee County, which is in Michigan.
If approved, this proposal authorizes the City of Linden to increase property taxes by .45 mills ($0.45 per $1,000 of assessed valuation) for 3 years in order to fund mosquito control. The estimated first year revenue from this tax is $41,252.[1]
Text of measure
Ballot language is available here
See also


text:
Comfort Suites Denver Southwest
7260 W. Jefferson
Lakewood, CO 80235
Phone: (303) 988-8600
Fax: (303) 988-1804
Henry S. Hall Jr. American Alpine Club Library
710 Tenth Street Suite 15
Golden, CO 80401
+1 303 384 0112
Tu from 12:00 PM to 07:00 PM,We to Th from 12:00 PM to 05:00 PM,Fr from 10:00 AM to 03:00 PM,Sa from 12:00 PM to 05:00 PMThe Henry S. Hall Jr. American Alpine Club Library in Golden specializes in alpine culture books. It houses over 20,000 books on mountaineering, mountain climbing routes, bouldering and the routes of locations of all over the world. Information can be found on anything from Mt. Everest to the Alps. It also has rare and limited editions of various collections on the subject. Visit website for more details.
Earn valuable points toward free nights.


text:
Find, read, and share James Mcintyre Quotes. These are the most popular quotations by this author. PoetrySoup has the best examples of quotes by James Mcintyre.
James McIntyre Biography | Poems | Best Poems
The thing we're happy about is that there wasn't as much loss of life or property damage as there might have been, ... This is still a dangerous situation.
+Fav | Go to this
James McIntyre
Quote |
James McIntyre |


text:
New for 2015! Starting with the same proven, efficient
technology for which Jetboil is known, the MiniMo personal cooking system incorporates
a valve design that grants it adjustable simmer control for optimal versatility
for backcountry mealtimes.
The Flash cooking system utilizes the same design as the classic Jetboil PCS to efficiently focus heat, but adds the additional feature of an external temperature indicator. Brings 2 cups of water to a boil in only 2 minutes!
An affordable, no-frills adaption of the award-winning Personal Cooking System (PCS), the Jetboil Zip employs FluxRing technology to provide fast and efficient performance, boiling 16 ounces of water in just 2 minutes!
award-winning FluxRing technology and offering group-cooking capacity, the 2.5-liter
capacity Jetboil Joule cook system provides fast and efficient performance when
you have many mouths to feed in the backcountry.
Updated for 2015! Delivering enhanced simmer control for
optimal backcountry and campground versatility, the large-capacity Jetboil SUMO
stove system is ideal for big appetites or group cooking needs.
The Jetboil Flash Java Kit is an innovative cook system that comes complete with a coffee press and coffee sampler. An efficient design boils water in just 2 minutes and an integrated temperature indicator lets you know when your water is hot.
Stoves that can do a lot more than just boil water.
Ideal for base camps and lightweight car camping
View more videos in our Video Library.


text:
OTN Systems delivers operational telecommunication networks
to the world's biggest Oil & Gas companies for downstream,
midstream and upstream operations.
Read More
Modern underground or open-cut mines use fiber optic transmission
systems from OTN Systems to support their underground and surface
services (voice, data, SCADA, LAN and video).
The XTran product family is a new portfolio based on the world's
latest carrier technologies such as MPLS-TP and SHDSL.
XTran supports time-critical applications such as teleprotection.
When we designed our critical networks, we wanted to guarantee
that operators have one thing less to worry about: their
communications infrastructure.
Metros & Lightrail
Oil & Gas
Industry & Chemical Plants
Motorways & Tunnels
Power Utilities
OTN Systems' customers and partners can count on a well-trained support team for professional assistance.
OTN is a product range that is simple to install, configure and maintain. It is the backbone for your critical applications.
The XTran is powered by MPLS-TP and designed with a focus on its dedicated market segments: power and rail.
OTN Systems will be exhibiting the latest developments in operational telecom networks for Rapid Mass Transit and Mainline Rail at Middle East Rail 2015, March 17-18, in Dubai. Middle East Rail is the show where Middle Eastern governments come to design, plan and build their future rail networks.


text:
The Food Truck Handbook
Start, Grow, and Succeed in the Mobile Food Business
From Library Staff
Author David Weber, a food truck advocate and entrepreneur himself, is here to offer his practical, step-by-step advice to achieving your mobile food mogul dreams in 'The Food Truck Handbook'.
From the critics
Community Activity
CommentAdd a Comment
Within a few pages, I knew this business is not for me.
AgeAdd Age Suitability
There are no ages for this title yet.
SummaryAdd a Summary
There are no summaries for this title yet.
NoticesAdd a Notice
There are no notices for this title yet.
QuotesAdd a Quote
There are no quotes for this title yet.


text:
- Like
- Thanks for voting!
- Download
- Collection
menwithmen December 20, 2011
This is the third part of a great series. You Str8 and Bi-curious folks would find gay sex great. I have a hard cock whether I'm sucking a guy or he's fucking my ass. Love to have naked men around me as much as possible (we've a beachfront home), stay hard as much as possible and love to shoot my cum off in a man or better yet swallow his warm cumload.
Clint January 5, 2012
menwithmen.....My hard cock would fill your mouth with warm sperm and I would love to receive your big load. Always swallow what your partner has delivered XOXOXO
menwithmen March 4, 2012
Clint....I would love to 69-suck with you all night. We would time our cumming so we both got a mouthful of rich warm semen at the same time, and then we would swallow it before we started sucking again. I know your cum tastes great XOXOXO be sweet & think of me often.
girl July 12, 2011
the poor skateboard XDDD
Sean-Michael June 12, 2011
My arse is willing and waiting cum pound me!
john March 29, 2011
The top's cock is fantastic. I could almost feel it thrusting in and out of my ass.
mike April 11, 2011
fantastic!!! i love these guys, want to meet them in person hoping to be given a chance...mike from phils.
18SWESTHLM April 26, 2011
Oh my, I want to get fucked like that. please :P
Clint March 20, 2012
menwithmen.....To take a big hard cock in your mouth and suck on it until it ejaculates loads of warm semen and at the same time cum yourself into your lovers sucking mouth is the perfect way for guys to show their love for each other and even more so when one of you flips round and you kiss, share and swap cum before swallowing all that love cream. XOXOXO Thinking of you.
Clint May 26, 2012
menwithmen.....I don't know what it is but there is something magical about having a big hard cock in your mouth when it suddenly erupts and warm sperm floods your mouth, it not the salty taste but the sheer pleasure knowing that he has made love to you in a special way and you are responsable for his ejaculation. XOXOXO
pacocksucker November 20, 2012
wish they both would unload in my mouth
Shaun November 24, 2012
same here pacocksucker ♥
love you January 23, 2013
i wish i were with them
jomsmacoy October 31, 2012
i want 2 do that.
Clint June 30, 2012
hornyashell, good to know when a guy is willing to return the favour it makes for a very sexy time together. Just got to suck on lovely big hard cocks until they cum
nono June 16, 2012
A taste of honey and a very loving kissing at the finish show these guys are lovers
hornyashell June 22, 2012
yes Clint, come take my load any day xxxxxxxxx
hornyashell June 22, 2012
I will return the favour
h March 21, 2011
i love that kind of balls (sagging balls)mmmm......it looks so JUICY BALLS
Kidkudi March 2, 2011
Lol it rubs the lotion on the skin with my face
cock lover position 69 September 8, 2010
i want the short hair guiy and his massive in to my virgin ass..
Joe October 10, 2010
Bareback sucking is so good to jerk off to......thanks boys
iluvuncutcock October 26, 2010
Well being an uncut cock lover, I was in cum heaven, yummy video!
lol August 29, 2010
i wish i was the guy being fucked.
Andy August 24, 2010
damn, i´ll be this skateboard
XD July 8, 2010
The guy fucking the other guy is soooo sexy
1234 July 22, 2010
the end is sooo romantic and sexy...
ching August 14, 2010
assman November 15, 2010
wow!! wish i was the guy being fucked
jack November 27, 2010
Love to see two guys its' the best. keep it up boys
wanker January 6, 2011
imagine being jerked off by that guy...fuck...i'd cum real quick
I love Penis February 14, 2011
This is so hot
Budd February 28, 2011
Gorgeous closeups of two guys fucking. If he doesn't dump his load inside, I hope the Bot sucks the Top and swallows his cum. I like to watching a bare cock entering and fucking the hot manhole.
ANGEL December 31, 2010
Budd December 22, 2010
This is great sex. I want all their cum!!
nomo November 28, 2010
name of actor plz
Lauren December 6, 2010
The guy on top is sooo sexy.. I wish I could meet a straight guy like that
richard July 5, 2010
i cummed buckets to this
Loading Comments


text:
Online Advertising
For further information and to discuss your online advertising please contact
The Pigeon offers a design, print and distribution service to the delivery area of its readers. For more details of packages available.
Community group events that take place regularly around your area. Tell us what is happening in your neck of the woods.
Need to get fit or want to learn a new skill...check out classes.
Looking for a club to join or want to add your club or activities group to our page....click here
Local News
click here
see more
Read The Pigeon Online
Pay your invoice online...
The Pigeon magazine would like to hear from its readers about what they would like to see featured in the magazine. Or maybe you think that the magazine would benefit from articles such as recipes, puzzles, or kids' corners?
Send your views to firstname.lastname@example.com
see more....
Local Library At Risk Of Closure
PLANS HAVE BEEN OUTLINED to modernise the library service across the city providing a better experience for those using it. At a time of restricted resources this may mean some libraries closing.
see more
Contact Us
Editor Matt Pawsey
Conker Publishing, Monarch House, Smyth Road,
Bedminster, Bristol BS3 2BX
Tel: 0117 329 1350 / 07743 956953
Email: email@example.com
Copyright Conker Publishing 2015. All rights reserved.
Website designed by Conkerwebs
About Us


text:
If you're Christmas list includes a Corvette aficionado then you need to check out the great selection of gifts for Corvette lovers at Corvette Central. With thousands of products that will help you "deck the halls" and spread Christmas cheer, Corvette Central has you covered. Check out a few of these great gift ideas hand selected for us by the CC elves.
Parts & Accessories
Up next in our Corvette Christmas gift series are some great ideas from Corvette America. Whether you're buying for yourself or for the favorite Corvette enthusiast on your list, give the gift of comfort and style with interior products from Corvette America.
We're going to be spending the next few days bringing you selected products and services that are certain to fulfill the Christmas wishes for the Corvette enthusiast on your shopping list. First up is CorvetteGuys.com, who in addition to offering us some premium Corvette gift ideas at discounted prices, they also offer free shipping on all orders.
Our friends at Corvette Central are pleased to announce the release of their latest Accessories catalog for 1953-2012 Chevrolet Corvettes. Get your free copy today!
Corsa Performance is one of the leaders in providing Corvette owners with great sounding exhaust systems that provide performance gains without interior drone. But Corvette owners notoriously take pride in the look of their exhaust systems as well and so when we stopped by the Corsa booth at SEMA last week, they enthusiastically introduced us to their newest product – Corsa's Black Diamond exhaust tips.
The benefit of having an auxiliary hardtop for your roadster is that you can drive your Corvette longer as the weather turns cooler, thereby extending your driving season for an extra couple of months each year. But putting that hardtop on your Corvette, or removing it when the weather turns nice can be a real struggle. You can call the wife out to the garage, go get a neighbor or attempt to do it yourself, but it only takes one careless move to damage the top or worse, the back of your Corvette. So when we saw the Glassworks Lift System at SEMA, we knew we had to spread the word on this innovative product.
As we prepare to head out this afternoon for our trip to SEMA, we thought we'd take a quick poll on aftermarket purchases from our readers. The question has to do with new Corvettes and we'd like to know what your first aftermarket purchase would be. The poll is open to everyone (whether or not you have or will be buying a new Corvette in the near future).
While we're in SEMA, keep a constant eye on our Twitter and Facebook pages for live updates and many, many photos.
With SEMA coming up next week, we've been wondering what the General will have in store for Corvette fans at the show and now we have the answer! In a sea of Camaros and the sporty new Sonics, you'll find two "tribute" Corvettes at the 2011 show: The Ron Fellows "Hall of Fame" Corvette Z06 and the Corvette Carlisle Blue Grand Sport Concept.
Have you ever seen a successful business and wondered how they got to where they are today? Mike Yager of Mid America Motorworks is one of the icons of our hobby and a true American success story. With $500, he turned his passion for Corvettes into one of the largest automotive parts and accessories catalogs in the country. Recently, Mike's journey to success was featured on the CNBS show "How I Made My Millions".
Zip Corvette has released their newly updated C5 and C6 Corvette Performance Parts & Accessories Catalogs. Each full color catalog includes more than 50 pages of the newest-available and best-quality parts to be had. The catalogs offer an exciting selection of interior, exterior and underhood enhancements, performance bolt-ons and Corvette-themed apparel and accessories.


text:
Sanger Jobs
Looking for jobs in Sanger? Snagajob has great opportunities with the area's leading companies. And applying for Sanger jobs has never been easier. Look at the job listings below, click on a job title that interests you and hit the "apply now" button. Part-time jobs, teen jobs, student jobs and summer jobs are now just a click away. Start your job search now.
Sanger, CA Job Openings
Family DollarSanger, CA
Sanger, CA
AutoZone1111 Academy Ave
Sanger, CA
Footprint Retail ServicesAny, CA
Sanger, CA
Cities within 20 miles of Sanger, CA
- Clovis, CA (99 jobs)
- Fresno, CA (28 jobs)
- Reedley, CA (4 jobs)
- Orosi, CA (3 jobs)
- Parlier, CA (3 jobs)
- Orange Cove, CA (2 jobs)
- Dinuba, CA (1 jobs)


text:
SUMMARY: Do you want to get more of your software trials to convert? Or would you like a way to convince your direct competitor's customers to try your service?
You'll love the practical tactics in this new MarketingSherpa Case Study. Yes, includes creative samples from automated email drip campaigns.
Get the latest research on email, lead gen, and social media along with MarketingSherpa updates and promotions.
Marketing Careers: 5 sites to develop and enhance your skills with free online courses
Read More »
Enter to Win »
Leading Digital Strategy by Christopher Bones and James Hammersley