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Cost Risk – An Overview Dr. Christian Smart President, Greater Alabama SCEA Chapter February 17 th, 2005
Agenda Introduction to Society of Cost Estimating and Analysis (SCEA) Cost Risk Overview Upcoming Cost Risk Seminar
Society of Cost Estimating and Analysis (SCEA) Who we are –Organization for cost analysis professionals, a highly diverse community that includes people who work in areas such as: Budget analysis Earned value management Cost estimation Statistical analysis Operations research Accounting Etc. –Overlap with other professional organizations such as INCOSE and PMI –Huntsville chapter is one of the largest and most active in the nation (over 150 members)
Society of Cost Estimating and Analysis (SCEA) What we offer –National Organization Hosts an annual conference and educational workshop –2005 conference will be held in Denver, Colorado, June 13 th -17 th, jointly with the International Society for Parametric Analysts (ISPA) (http://www.ispa-cost.org/conf.htm)http://www.ispa-cost.org/conf.htm Publishes National Estimator magazine and Journal of Cost Analysis and Management, a refereed technical publication Provides the Certified Cost Estimator/Analyst professional credential Web site (http://www.sceaonline.net)http://www.sceaonline.net
Society of Cost Estimating and Analysis (SCEA) What we offer –Local Chapter Monthly luncheons with presentations on topics of interest to the cost analysis community –Some recent presentation topics include: »Decision Making Using Cost Risk Analysis »Nonparametric Regression in Cost Analysis »Schedule Risk Assessment »Earned Value Management Systems Concepts Chapter web site –http://www.scea-alabama.org/http://www.scea-alabama.org/ –includes full presentations dating back to 2003 and other links of interest Free training and materials for certification preparation Seminars and other forms of training
SCEA Certification Certified Cost Estimator/Analyst (CCE/A) professional credential –Recognized credential throughout the profession –Government procurements often require CCE/As –Certification by examination Two years of professional experience in cost analysis/estimating required to take the exam –Recertification (every 5 years) by Retaking the exam Combination of experience, education, and service to the profession
SCEA Certification SCEA certification exam will be given in Huntsville in mid-April and also at the national conference in June
Society of Cost Estimating and Analysis (SCEA) Greater Alabama Chapter Dr. H. Samuel Cooke Certified Cost Estimator/Analyst, Society of Cost Estimating and Analysis (SCEA) Professional Designation in Cost and Price Analysis, Air Force Institute of Technology (AFIT) Honor Graduate, Cost Analysis for Decision Making, Army Logistics Management Center, Ft. Lee, VA
SCEA Points of Contact Sam Cooke at you are interested in attending the training Sessions. Linda Adams at to be added to the SCEA distribution list to receive the local chapters free monthly newsletter.
Cost Risk The only certainty is uncertainty The only certainty is uncertainty Pliny the Elder (Gaius Plinius Secundus), AD 23-79, Roman Senator, Imperial Fleet Commander, Historian; died at the Mt. Vesuvius Eruption
Basic Terminology Risk is the chance of uncertainty or loss. In a situation that includes potentially favorable and unfavorable events, risk is the probability that an unfavorable event occurs. Uncertainty is the indefiniteness about the outcome of a situation. Uncertainty includes both favorable and unfavorable events. Cost Risk is a measure of the chance that, due to unfavorable events, the planned or budgeted cost of a project will be exceeded. Cost Uncertainty Analysis is a process of quantifying the cost estimating uncertainty due to variance in the cost estimating models as well as variance in the technical, performance and programmatic input variables. Cost Risk Analysis is a process of quantifying the cost impacts of the unfavorable events.
Probability Probability is the branch of mathematics used for the quantification of cost risk Basic terms –Probability Density Function (PDF) : describes a range of values and their associated probabilities –Cumulative Distribution Function (CDF) : describes a range of value and their associated cumulative probabilities; also called an S-curve PDF CDF
Percentiles Percentiles for an example Lognormal distribution:
Why Risk Analysis? There is uncertainty about each cost element, and it is usually not symmetric Cost elements are correlated For these and other reasons, a point estimate is likely to be much less than the median risk estimate and thus underestimate cost by a large amount –Point estimate is often less than the 30 th percentile, which means that the probability that the actual cost will exceed that estimate is at least 70%
Point Estimates Vs. Risk Estimates – Example* Estimated Total Cost, in Millions (2004$)
Sources of Cost Risk
Inflation Risk
Modeling Sources of Cost Risk Two common sources of uncertainty explicitly addressed in cost risk estimates are technical risk and estimation risk –Technical risk is associated with uncertainty in model inputs Weight, Technical and Management Parameters, etc. –Estimation risk is associated with uncertainty in the estimation tools Cost estimating relationship standard errors, for example
Estimation Risk Estimating methods usually involve some uncertainty –For example, cost-estimating relationships (CERs) that are based on historical data involve a high degree of uncertainty CERs are equations that relate a variable or a set of variables that drive the cost (or define the scope of a project) to cost Classic example: where Y represents cost and X represents weight
Estimation Risk Since CERs are typically based on historical data, there is uncertainty associated with the equations goodness-of-fit to the historical data This can be measured by the standard deviation of the actuals versus the estimates for the data used in developing the CER
CER Risk
Technical Risk Define a triangular distribution about each estimate with the minimum, most likely, and maximum values
Technical Risk – at the WBS Level For each WBS element (D&D and flight unit cost): For each CER input, define a triangular distribution using minimum value, most likely value, and maximum value WLWL WMWM WHWH Weight D L = D M DHDH New Design
Correlation Among Cost Elements There is correlation between hardware elements –A problem that results in an increase in structures costs may cause an increase in thermal control costs There is correlation between hardware elements and systems level costs –Systems level costs are often a function of hardware cost
Importance of Correlation Cost risks are often measured by the standard deviation of the total risk Not accounting for correlation will underestimate the total cost standard deviation –For a 10-element WBS, not accounting for correlation will underestimate risk by as much as 70%
The Importance of Correlation - Illustration Percent that Total-Cost Sigma is underestimated when correlation assumed to be 0 instead of r given n WBS elements
Aggregation + +. WBS Element 1 WBS Element 2 Total Hardware Cost At Summation Levels..
Risk – The Big Picture X CER Risk Technical Risk X CER Risk Technical Risk X CER Risk Technical Risk Subsystem 1 Subsystem 2 Subsystem N Correlation Matrix
Methods for Aggregation Monte Carlo –Uses simulation –Computationally complex Must be careful to calculate correlations correctly –Method used in ACE-IT Analytic Approximation –Uses method of moments –Computationally simple –Accuracy similar to Monte Carlo –Method used in the NASA/Air Force Cost Model (NAFCOM)
NAFCOM Example - Inputs The capability to define triangular distributions for all cost driver inputs and for cost thruputs is made available when Risk is turned On.
NAFCOM Example - Outputs The final result is uncertainty distributions for DDT&E, Flight Unit, Production and Total Cost. Result data includes summary statistics, probability densities, and cumulative distributions for each major estimating element (i.e. stage, bus)
Risk Management
Cost Risk Seminar Location –Teledyne Brown Engineering, Huntsville, AL Date –March 15, 2005, 8:00 AM to 5:00 PM Price is $150 for SCEA and INCOSE members, and Teledyne Brown employees, $200 for others –Payment due February 28th Lunch and refreshments will be provided at no additional charge CEU credit will be awarded for attending the seminar
Cost Risk Seminar Seminar is self-contained, presupposes no special knowledge of cost analysis or risk All necessary background material is covered in the course What you will gain from attending the seminar –Understanding of the basics of cost risk analysis –Some advanced topics covered also treated, material is broad in scope –All attendees receive a hard-copy of the training materials, 200+ pages of Powerpoint charts
Cost Risk Seminar Presenter is Paul Garvey –Chief Scientist, Mitre Corp. –Internationally recognized expert in cost risk –Author of Probability Methods for Cost Uncertainty Analysis: A Systems Engineering Perspective (http://www.dekker.com/servlet/product/productid/8966-0)http://www.dekker.com/servlet/product/productid/ –Winner of several best paper awards at the annual Dept. of Defense Cost Analysis Symposium
Cost Risk Seminar - Outline Section A. Introduction Part I. Introduction and Historical Perspective Part II. The Problem Space Part III. Presenting Cost as a Probability Distribution Part IV. Developing Cost as a Probability Distribution Part V. Using the Cost Probability Distribution Part VI. Issues and Considerations Part VII. Benefits of Cost Uncertainty Analysis
Cost Risk Seminar – Outline (continued) Section B. Theory Fundamentals Part I. Concepts of Probability Theory Part II. Random Variables, Distributions, and the Theory of Expectation Part III. Special Distributions for Cost Uncertainty Analysis Special Technical Topics Part IV. The Central Limit Theorem and a Cost Analysis Perspective Part V. Correlation in Cost Uncertainty Analysis Part VI. Distribution Function of a Systems Total Cost
Cost Risk Seminar – Outline (continued) Section C. Applications System Cost Uncertainty Analysis Part I. Work Breakdown Structures Part II. An Analytical Framework and Monte Carlo Simulation Part III. Case Study Modeling Cost and Schedule Uncertainties Part IV. Introduction Part V. Joint Probability Models for Cost-Schedule Part VI.Case Study
Cost Risk Seminar – Sample Chart Treating Cost as a Random Variable The cost of a future system can be significantly affected by uncertainty. The existence of uncertainty implies the existence of a range of possible costs. How can a decision-maker be shown the chance a particular cost in the range of possible costs will be realized? The probability distribution is a recommended approach for providing this insight. Probability distributions result when independent variables (e.g., weight, power-output, staff-level) used to derive a systems cost randomly assume values across ranges of possible values. For instance, the cost of a satellite might be derived on the basis of a range of possible weight values, with each value randomly occurring This approach treats cost as a random variable. It is a recognition that values for these variables (such as weight) are not typically known with sufficient precision to perfectly predict cost, at a time when such predictions are needed
Cost Risk Seminar – Sample Chart 2 Part VI. Case Study Left-Most CDF: Mean cost is 7.7 ($M) for a 24 mos. schedule Middle CDF: Mean cost is 9.8 ($M) unconditioned schedule Right-Most CDF: Mean cost is 10.7 ($M) for a 36 mos. schedule Right-Most CDF: A 24 month schedule has an 80% chance of overrun; 36 month schedule has a 30% chance of overrun
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The endoplasmic reticulum (ER) is the main site of protein and lipid synthesis, membrane biogenesis, xenobiotic detoxification and cellular calcium storage, and perturbation of ER homeostasis leads to stress and the activation of the unfolded protein response. Chronic activation of ER stress has been shown to have an important role in the development of… (More)
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United Nations - The debate over Rhodesia.
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Syria - The signing of an economic agreement between the Soviet Union and Syria.
On the Soviet side signs S. Skachkov, chairman of the State Committee for Economic Affairs, the Syrian Minister of Planning J.
Damascus, March 13.
Foreign newsreels 1978 № 5561
News,F 3/1/2013
France - tanker "Amoco Cadiz" aground near Brittany.
Special ships are trying to protect the flow of nefti.17 March.
Mauritania - A refugee camp from the areas affected by the drought.
Nouakchott City, 19-22 March.
Nigeria - Annual festival in Argungu fishing.
City Argungu, Sokoto State.
France - Voting at the polling stations.
Foreign newsreels 1978 № 5562
News,F 3/1/2013
Czechoslovakia - Czechoslovakia Primate, Cardinal Frantisek Tomasek becomes Archbishop of Prague.
Prague, March 25.
Canada - The hunt for seal pups on the coasts of Canada continues despite international protests.
March 18.
Rhodesia - Special Report on the problems of rapid growth of the black population.
City of Salisbury.
South Africa - publisher of Percy Kosoza, released from prison after four months of detention, in discussion with the future of the newspaper reporters.
Foreign newsreels 1978 № 5563
News,F 3/1/2013
Namibia - Chronicle story Kapuuo memory leader, who was killed March 27, 1978 in Katatura.21 October 1975 - 22 August 1976.
Arab League - Egypt - Meeting of Foreign Ministers, members of the Arab League, on the need to resolve the differences between Arab countries on the peaceful resolution of the conflict in the Middle East.
Somalia - U.S. envoy R. Muus and finance minister of Somalia signed an agreement to provide U.S. assistance to Somalia in the amount of $ 7 million.
Mogadishu, March 20.
Rhodesia - Ian Smith, the first multiracial chairman of the executive board, at a press conference.
Sithole answers questions.
Salisbury, 21/22 March.
Foreign newsreels 1978 № 5564
News,F 3/1/2013
Lebanon-Spain - Demonstration of unemployed in Madrid.
Madrid, March 19.
Israel - West Bank - Palestinian guerrillas said at a press conference about the raid of Palestinians into Israel.
Demonstration of youth in the West Bank.
The City of Tel Aviv, Ramallah, March 19.
Syria - Meeting of Foreign and Defence Ministers of the Arab countries that support the Palestine Liberation Organization (PLO). (The meeting was attended by Syria, Algeria, Yemen, Libya).
Damascus, March 19.
Foreign newsreels 1978 № 5568
News,F 3/1/2013
Bulgaria - Shop factory electro equipment "Friendship" in the town of Vratsa.
Devices manufactured partly sent to SSSR.Bolgariya - New textile factory "Nikola Bazhanov" - Workshop Factory: Works team of Hero of Socialist Labor A. Demitrovoy.
Yugoslavia - to the airport in Bataynika President Tito of Yugoslavia in the United States.
Yugoslavia - City and County hog.
Report on the city.
Plants: tire, shoe.
Training courses for majors.
Foreign newsreels 1978 № 5569
News,F 3/1/2013
GDR - the theme is the 22nd anniversary of the National People's Army GDR.Snyato: Teachings of different types of troops.
Commonwealth Army of the GDR and the Soviet Army - Joint exercises.
East Germany - An exhibition on the history of photography in Gaulle.
East Germany - Berlin Bode Museum.
Exhibition copies mosaic picture of the churches of the Italian city of Ravenna (5-6 century AD).
GDR - the Palace of the Republic in Berlin.


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Pet food container
Explore related topics
Food and treats! #potterybarn #pbpet
DIY Dog Food Storage Container Idea
A much better version of #BallardDesigns pet food canisters. Mine would have to say "Boo & Kitty Food." :)
Different sizes of containers for different pets' needs. Keep their food clean, organized and protected with these containers. #organizing
Use a mini trashcan for storing dog food | Free, printable label available at iheartorganizing.blogspot.com
11 Practical DIY Pet Food Containers - GleamItUp
Add a hook for a scoop on the dog food container- plus other Clever Kitchen Storage and Organization Ideas
Iris Airtight Pet Food Container Combo Kit Airtight Dog Food Storage Containers
Free Printables Catalog Knock Off: Pet Food Containers | Momtastic
Dog Food Container painted Christmas popcorn tins for dog food-(CAT in my case)


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Pooran Poli/Meethi Roti
The perfect preparation of puran poli is considered a highly-skilled task… an art actually! unlike maharashtrian puran poli which uses chana dal, the gujarati version makes use of toovar dal. Its unique flavour and characteristic aroma can be attributed to the special indian spices used.
Puranpoli is a traditional maharashtrian dish, and variants of it are made all over the country. It is a wholesome and delicious snack made of chana dal and coconut sweetened with jaggery and flavoured mildly with spices like elaichi. While it is festive fare, it can be made any day when you feel like making something special.
Gulachi Poli Recipe (Jaggery And Poppy Seeds Stuffed Paratha)
Puran Poli/ Obbattu ~ Food Fun Freak
Puran Poli - Protein rich yellow dal (lentil) stuffed sweet bread
Puran Poli - A traditional Indian Dessert
Thengai Poli / Coconut Puran Poli | Make delicious puran poli with coconut, jaggery and a hint of cardamom! @PriyaShiva
Puran Poli (Sweet Jaggery Stuffed Flatbread)
Puran Poli is a Maharashtrian sweet flat bread stuffed with Chana dal, jaggery, sesame and poppy seeds mixture. Delicious to eat on it's own or dipped in a spicy Katachi Amti, it is a delight to savour.
Til Gud Poli is a sweet Indian flatbread made from jaggery and sesame.


text: Nelson Mandela, my friend and cellmate Home by admin Last Updated: Fri, 06 Dec 2013 00:22:36 GMT 0 High wide view of Robben island in the foreground and Table Mountain and Cape Town as background. The island is today a World Heritage Site. PHOTO: Getty Images Ahmed Kathrada did not think he would reach 84, let alone be free in 2013. Imprisoned at the age of 35 he served nearly three decades behind bars along with one of the most famous prisoners in the world, Nelson Mandela. They didn't see it coming; they had all gone undercover in northern Johannesburg, each on the run from police. Kathrada, who grew up in the small town of Schweitzer-Reneke, in the North West Province of South Africa, had been a political activist since he was 12. He joined the Young Communist League and graduated to the South African Communist Party. "At the age of eight I was taken away from my family, to come to Johannesburg where I could attend school." Back in the North West he could enrol in neither the white school nor the black one. Under apartheid law, the Group Areas Act required races to live and be educated in their designated areas, discouraging racial integration. The term apartheid means apartness, and it permeated South African life from schools to the cells. "You know under apartheid, different laws apply to different groups. There were laws that applied only to Indians, and nobody else. For instance; in 1955 I came to Bloemfontein for some political work, and instead of doing my political work I went to jail. When the policeman took me to the police station, he said to me in Afrikaans 'For the first time in my life I am seeing an Indian. Now where do I lock you up? Do I lock you up with the Blankes (whites) or with the Bantus (Africans), because I've got no cell for Indians.'" His volunteer work for the Communist Party led him being put under house arrest, which sent him underground, to a then remote farmhouse in Rivonia, north of Johannesburg, called Liliesleaf. Police raided the farm in July 1963 and rounded up the entire leadership of the South African underground. "The first words the policemen said when they arrested us were, 'All you people are going to die.'" This was the prelude to what would be one of the world's most historic trials—the Rivonia Trial in Pretoria. The eight men captured at Liliesleaf that went on trial were charged with sabotage in a case that was to sway world opinion in their favor. They escaped the death penalty by a whisker and were sentenced to imprisonment on the infamous Robben Island off the coast near Cape Town, where most political prisoners served their sentence, including South Africa's current president, Jacob Zuma and its deputy president, Kgalema Motlanthe. Kathrada recalls how the indignities of apartheid followed him into incarceration. "[Upon arrival at Robben Island] the first thing we had to do was change into prison clothes. I was the youngest in my group (he was 34) and all my elders, because they were African, had to wear short trousers with no socks. Indians and coloreds were treated differently, so we got long trousers and socks. Then came the food, I got a little more than Mandela but less than Dennis Goldberg. I got a quarter loaf of bread, Mandela did not get any. It was humiliating and you instinctively wanted to reject that, but Madiba said 'You never give up what you've got. [Instead] you fight for something on an equal level.'" There followed 18 years locked away on an island and eight years and three months in Pollsmoor prison, but Kathrada, like his fellow comrades, bears few no grudges. "We fought so that you could have the chance to make your own choices." Kathrada is still a member of the ANC and chooses not to comment about South Africa's political scene, but has words about the African continent. "There is a tendency to call it a dark continent. Africa is not all backward, they are making progress and that's unstoppable. And in some fields they are beating us." The veteran campaigner, with BlackBerry in hand, works at the Nelson Mandela Foundation. He lives quietly in the Johannesburg suburbs with his wife, South Africa's former Minister of Public Enterprise, Barbara Hogan, another political activist who was the first South African woman to be charged with treason. She was sentenced to 10 years imprisonment in 1982 and was released in 1990. In his spare time, Kathrada enjoys something he was denied in prison—television. He is a die-hard fan of the South African soap opera, Isidingo. He loves the show so much that when he is out of the country, he makes sure he receives email updates on what he has missed. On his 80th birthday, he appeared on the show as himself; a part that was a sharp contrast to the leading role Kathrada played in South Africa's liberation, alongside his old friend and cellmate, Nelson Mandela. BY MPHO RABORIFE


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Whitton Salvage Ltd
Auto Parts, auto salvage, vehicle dismantlers
Whitton Salvage Ltd is your vehicle dismantling service in Twickenham, London. Our professional vehicle dismantling service offers you the opportunity to get rid of your car in an efficient and environmentally friendly way. We'll take your insurance write offs, part-worn tires, engines and gearboxes, all with cash paid. Our HIAB services ensure that your large loads can be picked up and removed when you require it. So whatever the size of your vehicle we can get rid of it. Call today for more information on our HIAB services.
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Private In-Home and Online Geometry Tutoring in Frisco, TX
Receive personally tailored Geometry lessons from exceptional tutors in a one-on-one setting. We help you connect with in-home and online tutoring that offers flexible scheduling and your choice of locations.
Recent Tutoring Session Reviews
"Today we covered geometry. Topics included solving for arc angles of tangent-secant and secant-secant situations. Theorems including these angles were used successfully. We also solved several problems relating to parallel secant in a circle. The student is solving the problems in the homework mostly on her own. She even completely solved a gigantic problem that required determining 19 different angles in a complicated polygon. Strategies included in this session were all related to secant-secant and tangent secant arc angle theorems."
"The student has a quiz at the end of this week. He felt like he had a solid grasp on the material they had covered so far, so we looked ahead to the two remaining lessons before the quiz on circles. The sections contained a lot of new concepts and vocab. It took him a while to digest and become familiar with everything, but by the end he was doing much better."
"The student and I reviewed the test she took last week. The majority of the mistakes were calculation errors and simple mistakes. We discussed how she was feeling with pyramids and prisms. I felt she was very comfortable with this new material. I looked at her worksheets to help me optimize what we will work on next session. I assigned her to rework her test without my presence, and to focus on her prisms quiz tomorrow."
"We reviewed for the student's test. The challenging part of this test is remembering the properties that are associated with a square, rhombus, rectangle and trapezoid. We discussed each of these properties and worked on problems that she was given."
"We worked on a review for a test on solving right triangles. we used the Pythagorean theorem, Sine, Cosine and Tangent ratios, Pythagorean triples, 30-60-90 and 45-45-90 triangle relationships. We also worked on problems involving angle of elevation and depression. At the end of the session I gave her a practice test to work on. The session was great."
"Today was a fairly laid back session with the student. We started by reviewing his most recent test, and going over the questions he missed. He did a much better job doing them a second time, with much more command over the material. After, we reviewed some of his material from his latest chapter in class to reinforce any missed lessons. And finally, I helped his brother answer some questions that he had about geometry."
Nearby Cities:Plano Geometry Tutoring, University Park Geometry Tutoring, Allen Geometry Tutoring, McKinney Geometry Tutoring, Irving Geometry Tutoring, Carrollton Geometry Tutoring, Garland Geometry Tutoring, Grand Prairie Geometry Tutoring, Arlington Geometry Tutoring, Dallas Geometry Tutoring, Fort Worth Geometry Tutoring, Denton Geometry Tutoring, Lewisville Geometry Tutoring, Richardson Geometry Tutoring, Flower Mound Geometry Tutoring
Nearby Tutors:Plano Geometry Tutors, University Park Geometry Tutors, Allen Geometry Tutors, McKinney Geometry Tutors, Irving Geometry Tutors, Carrollton Geometry Tutors, Garland Geometry Tutors, Grand Prairie Geometry Tutors, Arlington Geometry Tutors, Dallas Geometry Tutors, Fort Worth Geometry Tutors, Denton Geometry Tutors, Lewisville Geometry Tutors, Richardson Geometry Tutors, Flower Mound Geometry Tutors


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iPhone apps
Mocking Pad Lite
Mocking Pad Lite will help you quickly and easily create sketch like wireframes of your application ideas. Low fidelity sketches can help you and your clients focus on whats really important in the early stages of application design and not get….. Read more
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alphabet Sketch Pad Lite
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"The Gibralfaro Castle of Malaga" Spain Things to Do Tip by Paul2001
Spain Things to Do: 1,012 reviews and 1,613 photos
For my money Malaga has few big ticket items that might draw you too this port city. That is compared to the other large cities of Andalusia. One of the few must see sights that you might want to investigate is Gibralfaro Castle. This might fortification was built high on a rocky hill. It is not known when the castle was built other than it was begun by the Moors. The castle consists numerous ramparts, towers and gateways that ramble along the hillside. The views of Malaga from these fortifications are sensational. Finally a warning, I walked up the hill from the town to the castle. This is inspite of warnings not to in my guidebook. I did not encounter any problems but I read that muggings can happen on this route.
Directions: Cerro de Gibralfaro
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I will translate your website, program or mobile app to portuguese(1)
About This Gig
There're millions of iPhone, iPod touch, iPad, Android, mobile and website Portuguese users worldwide. You shouldn't miss a sale or users just because of language barrier.
Create an app or website with multiple languages or promote them in different language will help to boost your sales.
I'm an experienced English/French/Spanish-Portuguese translator and I can help you to translate your app description or contents into professional Portuguese (Portugal or Brazil).
My Portuguese translation will be professionally done by manual and not by using software (Google Translate, etc). This will be ideal for those who are working on Apple apps, Android, Google Play, Chrome, games or mobile app development and would like to translate app in order to target Portuguese market:
- Portugal
- Brazil
- Mozambique
- Angola
- Macau (China)
- Cape Verde
- Guinea-Bissau
- São Tomé and Príncipe
- Equatorial Guinea
- East Timor
This gig is for max of 300 English words. For longer word length, please place additional order.
I've already translated websites for some portuguese and english companies.
I've help on apps and software translations and revised some of it.
Please contact me before ordering so we can work out the details.


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BBT Special Chamber Music Prize In Honour of Claudio AbbadoCecilia Ziano violin
Clara Franziska Schötensack violin
Francesca Piccioni viola
Giorgio Casati cello
Quartetto Lyskamm, founded at the Milan Conservatoire in 2008, is comprised of Italian musicians aged 24 to 31.
From 2009 to 2011, the Quartet was mentored by the Artemis Quartet, before joining the European Chamber Music Academy circuit, meeting important teachers such as Hatto Beyerle, Johannes Meissl, Heime Mueller, Ferenc Rados, Antonello Farulli, Claus Christian Schuster, Jerome Pernoo, Christophe Giovaninetti and Andrea Nannoni. Currently, the Quartet is studying with Heime Mueller at the Musikhochschule Luebeck.
Since 2014 Quartetto Lyskamm received the Vittorio Rimbotti award of the European Chamber Music Academy, the second prize and the ProQuartet special prize at the international competition Franz Schubert und die Musik der Moderne in Graz, the Jeunesse Musicale Deutschland prize at the international chamber music campus in Weikersheim and the Possehl Stiftung award.
The Quartet has performed for the Società del Quartetto of Milano, the Mito Festival, the Unione Musicale and the Lingotto Musica of Turin. It is currently quartet in residence at the Padua's Amici della Musica. Recent collaborators have included fellow Italian musicians such as cellist Mario Brunello, percussionist Simone Rubino and pianist Alessandro Taverna.
Quartetto Lyskamm is supported by Cidim (Comitato Nazionale Italiano Musica) and by the Ad Infinitum Foundation. In January 2016, the Quartet was guest artist at Aldeburgh Music in Suffolk, England.
Photographs by Christian Ruvolo
- New website
- Demo CD and video
- Support for study periods
Artist Website
Quartetto Lyskamm


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A study from McMaster University suggests that women with low-risk pregnancies are just as safe giving birth at home as they would in hospital.
Eileen Hutton is a researcher at McMaster's midwifery program, and says the risk of complications during birth was low and differed little between the home and hospital. The study found 75 percent of women who planned to use a midwife were able to give birth at home. Meanwhile, women who delivered in hospital were more likely to have some kind of intervention, such as pain relief or a caesarean birth, when compared to home births. Pregnancy is considered of low risk when the mother-to-be doesn't have complications linked to gestation.
Would you rather have a hospital birth or use a midwife at home?
We're taking your calls on AM640 at 416-870-6400, or *640 on cell.
Listen live on AM640, online at: player.640toronto.com, or download the AM640 app from the Apple App Store or Google Play.


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Popular Now
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01803 865913
+44 1803 865913
Series: The Mycoplasmas Volume: 4
Edited By: Razin and Tully
508 pages, Figs
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Recent Topic
Big business lags small business payment times globally
By Alexandra Cain
Trade payment data from around the world indicates global economic conditions are improving. But the data also clearly shows small businesses are funding the cash flow of larger companies. This has consequences for the global economy should credit conditions tighten. Here, we explore payment trends around the world, and the potential impact of these trends. First, it's important to understand Australia's trade payment times as a benchmark. According to Dun and Bradstreet's most recent data, the trend for faster payments stalled during the second quarter of 2016. The national average for the time it takes businesses to pay their bills is now sitting at 44.9 days. The 2015 figure was 49.2 days. It's worth noting the second quarter of this year is the first time payment times have climbed since 2015.


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Shevitz Law Firm
Bankruptcy Services, Attorneys Bankruptcy Law, bankruptcy attorney los angeles
hapter 13 is a type of bankruptcy that allows individuals to repay some or all of their debts over a three to five year period with either zero or substantially reduced interest.
What is Chapter 13 Bankruptcy?
It can be used to become current on missed mortgage payments, lease payments, and even car payments.
Chapter 13 bankruptcy is only for individuals and does not apply to business entities although it is possible for individuals that operate sole proprietorships or even corporations to file bankruptcy to eliminate or repay individual debts.
Individuals must set forth a plan of reorganization which is typically reviewed by the Chapter 13 Trustee and the impacted creditors prior to approval.
What are the benefits of Chapter 13 Bankruptcy?
Allows a person to repay their debt over the course of 3 to 5 years.
It can be used to stop a foreclosure sale.
It can be used to help a person get current with car payments.
It can be used to pay back less than the amount owed on a vehicle, if the vehicle is worth less than what is currently owed.
It can be used to reduce the interest rate of loans to a market rate of interest.
It can be used to remove judgment liens.
It can be used to stop wage garnishment.
Print this page
Chapter 7 Bankruptcy may allow you to keep your property and discharge your debt! Competitive Rates and Payment Plans Available. FREE CONSULTATION →. Call Us. (213) 863-0183
Chapter 11 is a type of bankruptcy that allows individuals or businesses to repay some or all of their debts over an extended period of time, often with very little interest.
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Not a member yet? Join now
Hey people,Does anyone knows if it's possible to do activities such as Skydiving or Paragliding near Algiers Protected content radius)?I haven't found anything online, but was told that some state schools/ private companies existed.
Thanks in advance if you hear anything about this !


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We use cookies to ensure that we give you the best experience on our websites and web applications. By continuing without changing your browser settings, we assume you give your consent to receive cookies. However, you can change your browser cookie setting at any time.
The course discusses the features and benefits of tapered roller bearings, and also looks at product range, designations and applications.
for more information


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Altogether 19 Myanmar nationals, who were reportedly going to Delhi in search of job, were arrested from a railway station in this district, a GRP official said on Wednesday.
The 19 Myanmarese, including 11 women and 5 children, were found loitering suspiciously at Samsi station on Tuesday night when GRP personnel questioned them, inspector-in-charge, Malda Town GRP, Krishnagopal Dutta said.
They were arrested after it was found that they did not have any travel document, he said.
During questioning, it was learnt that they had come to Bangladesh from their country around 10 days ago and entered West Bengal through Hili border in South Dinajpur district, Dutta said.
They planned to take a train from Samsi to Katihar in Bihar and subsequently reach Delhi in search of job, he added.


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Bad Black Wants to Turn Back to her Original Skin Color
Currently not only in Uganda but the whole of the world, both women and men have turned bleaching their skin colors into a new fashion trend and beauty adding ingredient but often they forget that nothing is better than their original colors which is the ongoing case at the moment with socialite and struggling musician Shanitah Namuyimba aka Bad Black.
According to the information we have gathered from sources close to "Mud Guard" singer, it is said that she has now started regretting why she changed her skin tone from black to the light skin she bares now as she wants to go back to the professional doctors to give her back her color.
It should be remembered that Black traveled to outside countries before being arrested where she got injected with bleaching products which changed her skin colour over the years she spent in Luzira Prison.


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Note: Select a region before finding a country.
Yellow Warning for Wind
Maximum wind speed : from 50 to 70 km/h. ...
Expect rainy weather Friday afternoon through late Friday night
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Knowledge of traditional healers needs preservation and promotion: Naik
Thomas Lim
It is better late than never, after a long struggle, finally Meghalaya got its institute of North Eastern Institute of Ayurveda and Homoeopathy (NEIAH), with its permanent campus located near NEIGHRIMS at Mawdiangdiang, Shillong. Union Minister of State Independent Charge, Ministry of AYUSH Shripad Yessa Naik on December 21, 2016 dedicated the institute to the state and also took the privilege of declaring the commencement of the academic session 2016-2017 both under graduate teaching programme of Ayurveda and Homeopathy.
Naik emphasized on the need to preserve and promote knowledge of traditional healers from the North East region. He stressed on the important to take this knowledge and use it in our modern system of medicine. The Central Government is trying to take and make it scientifically validated based on ethno botanical and scientific research with practical suitability for clinical practices as was informed by the Minister.


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Listen to free music played by ujpeter
Blip.fm is internet radio made social. It's easy to search for, play, and discover free music recommended by real people. Join today to create your own free station and start listening to @ujpeter.
The Hot Rats – Queen Bitch| play
Jan 29, 2013 at 2:59 pm via YouTube | AMAZON | ITUNES
What other DJs are saying about The Hot Rats - Queen Bitch
Dj_Edurock The HotRats – Queen Bitch
Jan 10, 2011 at 2:25 pm via YouTube | AMAZON | ITUNES
Sep 30, 2010 at 5:13 pm via YouTube • reply to | AMAZON | ITUNES


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(NEWSER) – Usain Bolt took gold in the men's 200m final at the World Athletics Championship in Beijing today, but while he was still reveling in the victory and waving to the crowd, he got taken down ... by a Segway.
A cameraman on a Segway was following Bolt when he lost control of the vehicle and it rolled into the runner, knocking his legs out from under him. Bolt fell to the ground, but the BBC reports that he appeared unhurt and "laughed off" the incident. "He tried to kill me!" Bolt said, according to Sky News. "Maybe he was like 'He wins too much, let's take him out!'"


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LiveLeakcom Savannah Cops Save Man from Committing Suicide
Posted by liveleak 4 days ago
Two officers with the Savannah-Chatham Metropolitan Police Department are credited with saving a man's life on Tuesday, Feb. 21. Just after 11:00.....
Dutch police seize ingredients for one billion Ecstasy pills Reuterscom
Posted by reuters 2 weeks ago
Police in the Netherlands display a truckload of seized raw materials they say could have been used to make potent narcotics. Rough cut (no reporter n...
LiveLeakcom Dashcam Shows Police Plow Into Carjack Suspect
Posted by liveleak 4 weeks ago
**Two Videos - First Edited - 52 Seconds, Second Full 22 minutes** Tulsa, OK - Tulsa police have released video of a December police chase that en.....
Texas police officer killed in standoff
Posted by cnn 5 weeks ago
Little Elm Police Detective Jerry Walker died from injuries sustained in a fire fight with an armed man barricaded inside a residence, according to po...
Man accused of killing cop caught police say
Posted by cnn 5 weeks ago
Markeith Loyd, the murder suspect in the Orlando police officer shooting, has been captured and is in custody, according to police.
LiveLeakcom Bodycam Shows Police Successfully Disarm Knife Wielding Man
Posted by liveleak 7 weeks ago
MIami, FL – The body camera of a Miami-Dade Police officer captured a tense standoff in November that could have turned deadly for one knife-wieldi...
Excop accused of killing 4
Posted by cnn 9 weeks ago
Four bodies were found buried on property belonging to a retired police officer, according to the Chester Police Department.
LiveLeakcom Dashcam Shows Police Crash Into Each Other During Chase
Posted by liveleak 12 weeks ago
**Volume Alert** Seattle, WA - While pursuing a carjacking suspect, on police cruiser collided with another.
Suspect identified in Ohio State attack Reuterscom
Posted by reuters 12 weeks ago
Authorities say university student Abdul Razak Ali Artan drove a car into pedestrians before stabbing others nearby. A campus police officer confronte...
LiveLeakcom Idaho Policeman Catches Guy in Trunk
Posted by liveleak 13 weeks ago
A 22-year-old fugitive was taken into custody after he attempted to ambush a Lewiston Police. Idaho police officer Thomas Woods stopped a car with.....
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With NBC having Law & Order, CBS living it up with the CSI franchise (not to mention Criminal Minds and NCIS) and FOX having surprise success with Bones, it's no shock that ABC has decided to give the crime drama genre another go after cancelling NYPD Blue in 2005. But this time, the network has decided to go with funny over gritty.
It may not be as edgy as Blue. But Castle, which debuted in March 2009 as a mid-season replacement, is one TV show that people should watch. Or at least put on their DVR list.
To Read More Click Here.


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[two_thirds]Sierra-at-Tahoe is located just 12 miles West of South Lake Tahoe and boasts 400+ inches of annual snowfall, 2,000 skiable acres including 320 acres of heart-pounding backcountry terrain out the Huckleberry Gates and Sierra Resort's notorious tree-skiing in old-growth Red Firs. With a continued commitment to terrain parks, it is easy to see why TransWorld Snowboarding readers have named Sierra-at-Tahoe the #1 Value, #4 Overall Resort and #6 Parks in the nation. You've got to ski it to believe it.
- Available Sunday – Friday Only.
- Holiday Blackouts 12/26/15 thru 12/31/15 | 1/16/16 thru 1/17/16 | 2/13/16 thru 2/14/16.
- Must present season pass and valid photo ID at Season Pass Office.
- Tickets are non-transferable and must be used by pass holder only.
- Offer only valid for 2015-16 Unlimited Season Passholders from participating Powder Alliance Resorts.
- Benefits valid for paid passholders only..


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Highest ranking #61 in Werewolf
When Sophie Peterson meets her mate, she realizes he's Luka, an Omega; the lowest and most disrespected rank of the Emerald Pack. In other words, the pack's chew toy.
Like every other werewolf, she should be happy when she meets her mate, right? There's only one problem: she's an Alpha. Sophie has to adapt quickly and teach Luka to act more like an Alpha, and less like an Omega.
With her caring and loving temperament, Alpha Sophie Peterson puts the wellbeing of her pack before herself, and everyone respects her for it. But with an Alpha being mated to an Omega being somewhat frowned upon, will she accept fate or reject her mate?
But what Sophie doesn't realise is that something deeper connects her to Luka's past, something that will shake her to the core when revealed. Will it be enough to interfere with fate?
An Alpha.
An Omega.
What could possibly go wrong?
MC__Cutie Aug 30, 2016
Hes special somehow..... He has something mixed in with tje werewolf side.... Idk what it is... But imma find out
MC__Cutie Aug 30, 2016
Omg.... You poor poor soul. Im not gonna give you sympothy cuz ik people hate that.
QueenTAF Jan 23
Bish who do you think you are? You ain't allowed to have a boyfriend, honey
r_d_williams Nov 25, 2016
I would say 'She had no choice but to leave me' and remove the 'here'. It seems repetitive since you'd just used the word here a couple of sentences before that.
CatDavis Aug 30, 2016
Written in different roles points of views pulls the readers in when they can't get enough of this story
Southernwolves Oct 14, 2016
Isn't it better to not eat then eat out of the trash since bacteria is everywhere and you would become sick?


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Orange julius
Utforsk lignende emner
Copycat Orange Julius recipe - takes just a minute to make and is a favorite family treat! Recipe on { lilluna.com }
Healthy Orange Julius Copycat Recipe (dairy free) that tastes just like the real thing!
Orange Julius |The Evermine Bog | www.evermine.com
Orange Julius Strawberry Banana Smoothie recipe
Dairy Queen Copycat Orange Julius for an awesome summer treat! This fruit smoothie replica is super easy to make and tastes delicious!
If you haven't had an Orange Julius before I would describe the flavor to be much like a creamsicle but in smoothie form. These make for a deliciously refreshing drink in the summertime!
This is as close to the original Orange Julius smoothie recipe as I have gotten. Other readers agree this is accurate. Make it and let me know what you think. Did we get close to the mark for this secret smoothie recipe from Orange Julius? Ingredients: 6 ...
This Orange Colada Smoothie tastes just like an Orange Julius, but it's good for you! A perfect afternoon snack or dessert!
Copycat Strawberry Julius Recipe! ~ from TheFrugalGirls.com ~ you will LOVE this easy copycat Orange Julius menu drink recipe for the most delicious smoothie ever!! #orangejulius #recipes #thefrugalgirls


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You're never too old to learn to play the harp! I have had students as young as 8 and a grandmother in her 80's. Whether you're wanting to learn to play for special events or just for your own enjoyment, I would love to meet you and get you started on your way to be a successful harpist!
My very first wedding was my sister's back in June of 2000. That same day I got booked for my first paid wedding and I haven't stopped since!


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Fordguy65 Fordguy65 is offline
Senior Member
Last Activity: 02-21-2017 06:32 PM
About Me
- About Fordguy65
- Location
- Atlanta, GA
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- MX, Vintage MC, Fords, Farming
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- Business Analyst
- Jim Smith
Atlanta, GA
1965 Coupe 5.0 GT40 Intake and Heads, 65MM TB, chipped, T5, Shelby drop, roller idler, subframe connectors, Magnaflows, Hurst shifter, MS clutch, BFGs on 15" TTDs, Roller perches, Bilsteins, 3.54 gears, LS, Needs everything else...
"If you didn't build it; it's not really yours."
- Jim Smith
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- Artist: Willie Humphrey
- Release Date: 04/16/1995
Best Buy is dedicated to always offering the best value to our customers. We will match the price, at the time of purchase, on a Price Match Guarantee product if you find the same item at a lower price at a Designated Major Online Retailer or at a local retail competitor's store.Here's how:
- If you find a qualifying lower price online, call 1-888-BEST BUY and direct a customer service agent to the web site with the lower price, or when visiting a Best Buy store, one of our employees will assist you.
- On qualifying products, Best Buy will then verify the current price to complete the price match.
Exclusions apply including, but not limited to, Competitors' service prices, special daily or hourly sales, and items for sale Thanksgiving Day through the Monday after Thanksgiving. See the list of Designated Major Online Retailers and full details.
- Willie's Cabbage Song
- Blues for Emma
- I Can't Give You Anything But Love
- Mood Indigo
- China Boy
- Honeysuckle Rose
- Gee Baby
- Hot and Sticky Blues
- All of Me
- Li'l Liza Jane
- Bourbon Street Parade
- Oh, How I Miss You Tonight
- Bill Bailey
- Sweet Georgia Brown
- Baby Won't You Please Come Home
- Pennies from Heaven
- Hurry Down Sunshine Blues
- My Blue Heaven
- Big Lunch Blues
- Amen
- When the Saints Go Marching In


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31 Tonga Dr,Bow NH, 03304
Sold Price
4 beds , 2 Full/1 Three-Qtr baths
2,114 sq. ft
Status: Sold
Berkshire Hathaway HomeServices Verani Realty
(888) 723-0306
Listing Provided Courtesy Of: BH&G - The Masiello Group - Rick Wagner
Last Updated: 2/27/2017 9:17 AM
Description for 31 Tonga Dr Bow, NH 03304
This well kept 3-4 bedroom, 2100 sqft colonial is ready for your family. The kitchen - family room layout lets everyone be included when socializing. The dining room with hardwood floors looks out over the 12x15 deck to a private back yard. Spend quieter time in the living room. The den opens to the screen porch. The den also can be used as a 1st floor bedroom and there's a full bath on the first floor, too. The master bedroom includes a walk-in closet and a large master bath with twin sinks, jetted tub and shower. A jack and jill bathroom connects the other two upstairs bedrooms. The furnace, hot water tank, and oil tank were all new in June 2013. Additional opportunities are available in the basement with its windows and walk-out entry.
Listing Information
Public Sewer, Private Sewer System, Septic
150 Amps, Circuit Breaker Box
School Information
Room Information
Family Room, Kitchen, Living Room, Office, Kitchen/Family Combo
First Floor Bedroom, Master Bathroom, Master Suite
pantry walk-in
1st Floor Bath
Interior Features
2,114 Sq. Ft. Above Ground
Dishwasher, Electric Range/Cooktop, Refrigerator
Hardwood, Tile, Carpet
A/C - Zone
Oil, Hot Water, Zone
Walkout, Concrete, Daylight, Full, Entrance Inside, Unfinished Basement
1, Fireplace
Woodburning Fireplace
Exterior / Lot Features
2 Garage Spaces, Attached Garage, Paved Driveway
Wood, Clapboard
Deck, Screened Porch
Asphalt Shingle
Sloped, Level
Paved Road, Public Roads, Level, Sloped, Wooded
Financial Considerations
Inside AccessTM
Current market conditions for 31 Tonga Dr
Active Market Trends
Source:MLS DATA
Median list price$339,900
Days on market139
Properties for sale19
Sold Market Trends
Source:MLS DATA
Median sold price$295,500
Sales to list price9,877.0%
Properties sold32
Median sq ft price$135
Arrows indicate 90 day trend
Listing Price History for 31 Tonga Dr
Bow Real Estate
Bow is located in New Hampshire. Bow, New Hampshire 03304 has a population of 7,571.
The median household income in Bow, New Hampshire 03304 is $104,315. The median household income for the surrounding county is $65,487 compared to the national median of $53,046. The median age of people living in Bow 03304 is 45.2 years.
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MLS #1678091 Official listing information! 7.20 neighborhood - 0 Jasper Johnson Rd located in Murfreesboro TN 37127, priced at $45,000, with 0 bedrooms.0 Jasper Johnson Rd Murfreesboro TN - MLS #1678091 Close
Land for sale in Murfreesboro, TN at 0 Jasper Johnson Rd. This creek, pond land is priced at $6,250/acre.
Great little wooded tract of land located in Rutherford Co. 7.20 ac. with small pond. Property has utility water and well water.There is an old homestead on the property not habitable! Located on a dead end road! Land did not perk for septic tank.
Whitworth-Buchanan Middle School
Listing information last updated on February 27th, 2017 at 6:32pm CST.
Have any comments or questions about 0 Jasper Johnson Rd, Murfreesboro, TN? Ask your question and/or share your thoughts about this property.


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cast sb/sth aside/away/offformal
— phrasal verb with cast uk /kɑːst/ us /kæst/ verb cast, cast
Thesaurus: synonyms and related words
Removing and getting rid of things
(Definition of "cast sb/sth aside/away/off" from the Cambridge Advanced Learner's Dictionary & Thesaurus © Cambridge University Press)
Get a quick, free translation!
Create and share your own word lists and quizzes for free!
Word of the Day
can't hear yourself think
If you cannot hear yourself think, you cannot give your attention to anything because there is so much noise.


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Project Management Software - Kanban Board
Kanbanchi is an enterprise level project management / task management software with kanban board and real time team collaboration. Manage your projects visually – project boards with lists and cards visualise a workflow of all your tasks and activities.
Kanbanchi is the only kanban board completely integrated with Google Apps and G Suite – you can manipulate your boards as files in Google Drive, give flexible access permissions, push dates to Google Calendar, etc. G Suite Admin can effortlessly deploy Kanbanchi company-wide for all users of your organisation from G Suite Admin Console.
** From the start Kanbanchi was a free application and will always remain free. Core functionality (i.e. unlimited number of dashboards, cards and users, plus all essential features) is absolutely free forever. Based on users' requests we added advanced extra features, which are available now under paid subscriptions.
Kanbanchi Paid Features currently include:
— Gantt Chart
Convert your Kanbanchi Dashboard to a Gantt Chart in one click. See how all your cards relate in time and visually plan project schedules with your team.
— Time Tracker
Track your time right in Kanbanchi — choose a card, start the timer, and stop it when you're done. Monitor your team's progress with the card in Timing tab, where time data for all users is recorded.
— Company's Logo
Customize Kanbanchi's look and feel by adding your company's logo.
— Export to Google Sheets
Swiftly export to Google Spreadsheets all your dashboard data: people assigned, dates, checklists, comments and more.
— Card from email
Create new cards by sending an email to a unique email address of your dashboard.
— Sorting cards by priority
Simplify your working process - sort cards by priority automatically.
— Dashboard Backups
For those who want to be on the safe side — back up your most important Kanbanchi dashboards for easy recovery.
— List View
See all your cards in a scrollable list, quickly look through them from top to bottom and filter the ones you need.
** Release Notes:
The latest release — 3d February 2017
– New Feature – In-app notifications
Coming soon:
– Reports
– Backlog, Archive
– Gantt Chart Improvements


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You missed it This great deal for Winter Park Laser & Anti Aging Center is over. But don't despair, we've got more great deals every day.
Related Deals That You May Like
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back by popular demand:
Winter Park Laser & Anti Aging Center
Erase Sun Damage for Even, Youthful-Looking Skin
95% recommendedin LivingSocial customer ratings
Winter Park Laser & Anti-Aging Center is staffed by certified para-medical aestheticians -- and each one "takes a vested interest in your skin and wants it to be just a beautiful as you do," says one happy client:
• $125 ($275 value) for one full-face or full-chest Intense Pulsed Light photo-facial
• Photo-rejuvenating treatments work to diminish signs of aging
• Light energy targets everything from sunspots and age spots to rosacea and broken capillaries
• This North Kentucky Avenue medical spa won "Best of Citysearch" in 2009
Want more? Check out Winter Park Laser & Anti-Aging Center on Facebook.
PAID VALUE EXPIRES ON March 1, 2022
PROMOTIONAL VALUE EXPIRES ON June 4, 2013


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Maine County Map
Outline map showing county names and county boundaries of Maine state. To zoom in, click on the County outline Map of ME State on the right.
Download original high-resolution image:County Maine Map
Search for Maine maps:
County Maine MapThis county map of Maine is free and available for download. You can print this outline map and use it in your projects. The original source of this County outline Map of Maine is: U.S. Census Bureau. This printable map is a static image in gif format. You can save it as an image by clicking on the downloadable map to access the original Maine County Map file. The map covers the following area: state, Maine, showing county boundaries and county names of Maine.
Online Maine Maps
Reference geography Map of Maine
Geography map showing forest cover and road networks of Maine state. Reference Maine Map
Printable political Map of Maine
Political map showing roads and major cities and political boundaries of Maine state. Printable Maine Map
Political color Map of Maine
Color map showing road networks and political boundaries of Maine state. Political Maine Map
Free outline Map of Maine
Outline map showing county boundaries and county names of Maine state. Free Maine Map
Elevation contour Map of Maine
Contour map showing interstates and major cities of Maine state. Elevation Maine Map
Contour elevation Map of Maine
Elevation map showing highways and major cities of Maine state. Contour Maine Map
Maine Maps in Map Store


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Shared Care Free Clinic
About us
The Shared Care Free Clinic patients and staff work toward a common goal of wellness where quality care is not dependent on one's ability to pay. We serve low-income, uninsured adults with chronic illness so that they will continue to work, raise families and be productive members of the community.
Contact information
Date Founded: April, 2000
Email: Log in to view email addresses.
Phone: 816-404-6455
Fax: 816-478-3713
17611 E. U.S. Highway 24, Suite 103, Independence, MO, 64056, US


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|... From Page 20
How does the Insurance Company make profits?The insurance company gets revenue in the form of "Insurance Premium". This is a small amount that the insurance company collects from the insured for assuring the payment of the insurance amount. The premium that the insurance company collects is a small amount (0.1% to 1% of the value insured for).
Say there are 10,000 trucks transporting some goods all of which are insuring their trucks. The value of each truck is around Rs. 10,00,000. The premium for insuring the trucks is 1% of the value insured for. This would amount to Rs. 10,000. The amount that the insurance company collects from all the 10,000 trucks is Rs. 10,00,00,000 (ten crores). The insurance company needs to pay the insurance amount only when there is an accident and the truck has been damaged. Say there are 100 accidents in the period for which the trucks have been insured. 10 of these accidents have resulted in the trucks being destroyed completely and the rest 90 accidents resulted in the trucks getting damaged to various extents (on an average 50%).
The contract of insurance is a contract of indemnity. [Indemnity = A sum of money paid in compensation for loss or injury]. The insurance contract makes good the loss incurred by the truck owner. Just because the truck has been insured for Rs. 10,00,000, the truck owner would not be given the Rs. 10,00,000 whenever there is an accident. The truck owner would be given that much of amount which would enable him to place himself in a no loss position i.e. the amount required to make good his loss on account of the accident. Therefore the insurance company pays Rs. 10,00,000 each to the 10 truck owners whose trucks were completely destroyed and Rs. 5,00,000 on an average to the rest 90 truck owners whose trucks have been partly damaged. This would amount to a total payment of Rs. 5,50,00,000 (Rs. 1,00,00,000 + Rs. 4,50,00,000). The insurance company would be left with a balance amount of Rs. 4,50,00,000 from which it meets its expenses and the rest would be its profit.
General Insurance vs. Life InsuranceA contract of life insurance is a contract of guarantee whereas a contract of insurance is a contract of indemnity. In case of life insurance it would be like the insurance company saying "We will guarantee you a payment of Rs.xx if this person dies". The amount being the amount for which the persons life had been insured. In case of a general insurance contract whatever may be the amount insured for, the insurance company would not pay an amount greater than the loss incurred by the insured. If the same aspect had been insured with more than one company the total amount of loss made good by all the insurance companies together would not be greater than the loss incurred by the insured. This would not be the case with the life insurance where if a persons life had been insured by more than one company, all the companies would be paying their respective amounts guaranteed.
One other difference between general insurance and life insurance is with regard to how we treat the premium paid. In case of general insurance the premium paid each year gets exhausted or used by by the end of the year. However in case of life insurance, the amount of insurance paid is like a deposit made with the insurance company. For this reason, the general insurance policy does not have a surrender value. Whereas, the life insurance policy is capable of being surrendered at any time and get back a certain value from the insurance company (which we call the surrender value of the policy).
Say Rs. 10,000 premium paid to insure the truck every year is useful only for the year insured. This cannot be reclaimed back from the insurance company by canceling the policy. If a life insurance policy is taken by paying a similar amount as premium, it can be surrendered (canceled) and some amount recovered from the insurance company. The surrender value of a life insurance policy in the initial year would be generally nil. This is so because the company would have to cover the expenses it incurred in making efforts to sell the policy to the insured. The surrender value as a % of the total amount paid till that time would increase as the age of the policy increases. [For example, 0% in the first year, 10% in the second year, 25% in the third year, 50% in the fourth year, 80% in the fifth year and 100% from the sixth year and so on..]
Insurance only for Abnormal Loss StocksThe insurance company can make profits only if the loss does not occur in all cases. This is not possible if the insurance company insures normal loss. Normal Loss by its nature itself occurs every time the transaction takes place. Therefore we should understand that when we talk of insurance of loss we mean abnormal loss and not normal loss.
Who insures the stock?The stock may be insured either by the consignor or the consignee. This would be included in the expenses paid by the consignor or the consignee.
Who receives the insurance amount?The insurance amount may be realised by the consignor or the consignee. The insurance amount since being received from an organisation would in general be received in cheque. However, the insurance company having accepted the payment of the insurance amount and the amount still to be received is also a possibility.
For the amount of insurance realisation:
Accounts Effected by the Transaction » Identification & Analysis:
The effect of the transactions can be summarised as
Consignees Books Hide/Show
Accounts Effected by the Transaction » Identification & Analysis:Since the consignee receives the insurance amount on behalf of the consignor, the transactions where the consignee is involved would have to be recorded in the books of the consignee.
32:The fact that the consignee would receive the insurance amount accepted to be paid by insurance company would be of no relevance in the books of accounts of the consignee. He will accept his due only after he receives the amount from the insurance company.
The effect of the transactions can be summarised as
|Author Credit : The Edifier
|... Continued Page 22


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All Surface Renew
Vanity Refinishing, Sink & Vanity Refinishing
Bathroom sinks and vanities are another example of great candidates for refinishing. As a synthetic product, they are prone to wearing down over time or developing chips and stains over normal use.
Print this page
We are very proud to provide bathtub refinishing solutions that can bring antique clawfoot bath tubs and other bath fixtures
More affordable and less intrusive than walk in bathtubs, the EASY ACCESS TUB CONVERSION bathtub to shower conversion creates approximately
Change the old look of your existing countertops Laminate, formica, and tile countertops frequently stay in solid condition for many
Does your bathroom fixture simply have a nick, chip, scratch, hole, or rust that needs to be spot repaired? This
Some bathtubs commonly develop soft, spongy floors over time that lead to cracking and sometimes will cause leaks underneath the
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The resource has been added to your collection
Students will compare contemporary rap to the poetry they have studied in class. They will learn about the history of rap and analyze a rap to find the historical significance of the writing.
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Overwatch's 2017 Lunar New Years Event has started and will go until February 13th. It features a Lunar New Years Event Capture the Flag brawl on Lijiang Tower.
In Capture the Rooster, teams will face off on Lijiang Tower, attempting to secure the enemy flag while the opposing team does the same. In this fast-paced brawl, players will need to get creative with their team compositions as they attempt to construct a lineup that's built for offensive speed and defensive stability.
Overwatch's Lunar New Years Event replaces original loot boxes with Lunar Loot Boxes that can reward Lunar themed items.


text:
in splendid isolation
From Longman Dictionary of Contemporary Englishin splendid isolationin splendid isolationused to emphasize that something is not with other things The house sits in splendid isolation on top of a steep hill. → splendid
Examples from the Corpusin splendid isolation• Campus bookselling had existed in splendid isolation and been largely unmoved by the 1980s high street revolution, he argued.• The Memorial Hall stands in splendid isolation as the only village amenity.• It was a simple drawing of a square tower, standing in splendid isolation like an accusing finger pointing at the sky.• All that survives now is two walls, standing in splendid isolation, up to the deck height of the bridge.
Pictures of the day


text:
- Description
The BLack and Decker KG750HPP Mini Grinder uses a 115mm disc, which makes it a very useful tool when working in confined spaces. Its powerful motor is constructed using high grade copper to provide optimum performance during those challenging DIY tasks. The gear box housing is manufactured from die-cast aluminium for optimum heat dissipation and additional durability.
A dust sealed switch is fitted as standard for prolonged use in extreme environments. Three position side handle makes the unit easier to control, and therefore safer to use and the inclusion of a spindle lock allows the user to change the disc quickly and easily. The tool-free safety guard makes guard adjustment quick and easy.
Can be used for cutting metal pipes, removing rust from metal work, removing excess weld, mortar raking from between brickwork, wall and floor chasing.
Input Power: 710 Watt.
No Load Speed: 10,000/min.
Disc Diameter: 115mm M14 Spindle.
Cable Length: 3m.
- Additional Information
Additional Information
Condition New SKU PTDB/DKG750 Weight (Kg) 2.4700 Brand Black and Decker Manufacturers Part Number KG750-GB Retailer Barcode 5035048326190 Package Height (cm) 11.4 Package Width (cm) 13.8 Package Length (cm) 34.8 Bullet 1 Powerful 750W motor Bullet 2 Die-cast aluminium gear box housing Bullet 3 Dust sealed switch Bullet 4 Three position side handle Bullet 5 Tool-free safety guard Bullet 6 N/A
- Reviews


text:
Ross Taylor
Did you know?
When he was younger he wanted to be a farmer.
Ross Taylor
Did you know?
When he was younger he wanted to be a farmer.
Ross Taylor
Did you know?
When he was younger he wanted to be a farmer.
Bats Right Hand.
Bowls Right Arm Off-Spin
This talented batsman broke into the Black Caps one-day international side in 2006 against West Indies.
His Test debut followed one year later against South Africa in Johannesburg and since then Taylor has carved himself a reputation as a prolific batsman in all forms of the game, with Test statistics that include 11 centuries and a top score of 217no.
Taylor was part of the Black Caps teams in the 2007, 2011 and 2015 ICC Cricket World Cups and his ODI high-score of 131no came in the 2011 tournament against Pakistan.
Test Stats
ODI Stats
T20 Intl Stats
Latest Videos
NZ scrape home to end Proteas' streak
Ross Taylor scores his 17th ODI century and passes 6000 runs as New Zealand hold off a fast-finishing South Africa in Christchurch
Taylor's century was the difference: Finch
Stand-in skipper Aaron Finch reflects on the third ODI loss against New Zealand, which saw Australia surrender the Chappell Hadlee Trophy to the Kiwis
Terrific Taylor equals NZ landmark
Black Caps batsman Ross Taylor equalled the NZ record for ODI hundreds, posting his 16th during the Chappell-Hadlee decider in Hamilton
Latest News
New Zealand v South Africa ODIs
Taylor joins exclusive club with 17th ODI ton
Kiwi batsman joins the likes of Ponting and Tendulkar after a match-winning century in the second ODI against the Proteas
Qantas ODI Tour of New Zealand 2017
Terrific Taylor equals NZ landmark
New Zealand stalwart Ross Taylor anchors the innings with a Hamilton century that steals a slice of history
Qantas ODI Tour of New Zealand 2017
Australia face acid test in ODIs: Taylor
New Zealand batsman says sidelined duo will leave a big hole for the tourists