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Pounding Its Way – Credit Cards
April 23, 2017
Welcome to a changed world. A world wherein owning a card qualifies you to borrow money or products. It is not a debasing act by any standards, on the contrary having one would go as a status symbol and a mark of affluence very often. Yes, we are talking of credit cards which explore the […]
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How to Identify a Home Based Big Money Business Scam
April 15, 2017
Finance, Credit, Investments – Economical Categories
April 7, 2017
Scientific works in the theories of finances and credit, according to the specification of the research object, are characterized to be many-sided and many-leveled.
The definition of totality of the economical relations formed in the process of formation, distribution and usage of finances, as money sources is widely spread. For example, in "the general theory of finances" there are two definitions of finances:
1) "…Finances reflect economical relations, formation of the funds of money sources, in the process of distribution and redistribution of national receipts according to the distribution and usage". This definition is given relatively to the conditions of Capitalism, when cash-commodity relations gain universal character;
2) "Finances represent the formation of centralized ad decentralized money sources, economical relations relatively with the distribution and usage, which serve for fulfillment of the state functions and obligations and also provision of the conditions of the widened further production". This definition is brought without showing the environment of its action. We share partly such explanation of finances and think expedient to make some specification.
First, finances overcome the bounds of distribution and redistribution service of the national income, though it is a basic foundation of finances. Also, formation and usage of the depreciation fund which is the part of financial domain, belongs not to the distribution and redistribution of the national income (of newly formed value during a year), but to the distribution of already developed value.
This latest first appears to be a part of value of main industrial funds, later it is moved to the cost price of a ready product (that is to the value too) and after its realization, and it is set the depression fund. Its source is taken into account before hand as a depression kind in the consistence of the ready products cost price.
Second, main goal of finances is much wider then "fulfillment of the state functions and obligations and provision of conditions for the widened further production". Finances exist on the state level and also on the manufactures and branches' level too, and in such conditions, when the most part of the manufactures are not state.
V. M. Rodionova has a different position about this subject: "real formation of the financial resources begins on the stage of distribution, when the value is realized and concrete economical forms of the realized value are separated from the consistence of the profit". V. M. Rodionova makes an accent of finances, as distributing relations, when D. S. Moliakov underlines industrial foundation of finances. Though both of them give quite substantiate discussion of finances, as a system of formation, distribution and usage of the funds of money sources, that comes out of the following definition of the finances: "financial cash relations, which forms in the process of distribution and redistribution of the partial value of the national wealth and total social product, is related with the subjects of the economy and formation and usage of the state cash incomes and savings in the widened further production, in the material stimulation of the workers for satisfaction of the society social and other requests".
In the manuals of the political economy we meet with the following definitions of finances:
"Finances of the socialistic state represent economical (cash) relations, with the help of which, in the way of planned distribution of the incomes and savings the funds of money sources of the state and socialistic manufactures are formed for guaranteeing the growth of the production, rising the material and cultural level of the people and for satisfying other general society requests".
"The system of creation and usage of necessary funds of cash resources for guarantying socialistic widened further production represent exactly the finances of the socialistic society. And the totality of economical relations arisen between state, manufactures and organizations, branches, regions and separate citizen according to the movement of cash funds make financial relations".
As we've seen, definitions of finances made by financiers and political economists do not differ greatly.
In every discussed position there are:
1) expression of essence and phenomenon in the definition of finances;
2) the definition of finances, as the system of the creation and usage of funds of cash sources on the level of phenomenon.
3) Distribution of finances as social product and the value of national income, definition of the distributions planned character, main goals of the economy and economical relations, for servicing of which it is used.
If refuse the preposition "socialistic" in the definition of finances, we may say, that it still keeps actuality. We meet with such traditional definitions of finances, without an adjective "socialistic", in the modern economical literature. We may give such an elucidation: "finances represent cash resources of production and usage, also cash relations appeared in the process of distributing values of formed economical product and national wealth for formation and further production of the cash incomes and savings of the economical subjects and state, rewarding of the workers and satisfaction of the social requests". in this elucidation of finances like D. S. Moliakov and V. M. Rodionov's definitions, following the traditional inheritance, we meet with the widening of the financial foundation. They concern "distribution and redistribution of the value of created economical product, also the partial distribution of the value of national wealth". This latest is very actual, relatively to the process of privatization and the transition to privacy and is periodically used in practice in different countries, for example, Great Britain and France.
"Finances – are cash sources, financial resources, their creation and movement, distribution and redistribution, usage, also economical relations, which are conditioned by intercalculations between the economical subjects, movement of cash sources, money circulation and usage".
"Finances are the system of economical relations, which are connected with firm creation, distribution and usage of financial resources".
We meet with absolutely innovational definitions of finances in Z. Body and R. Merton's basis manuals. "Finance – it is the science about how the people lead spending `the deficit cash resources and incomes in the definite period of time. The financial decisions are characterized by the expenses and incomes which are 1) separated in time, and 2) as a rule, it is impossible to take them into account beforehand neither by those who get decisions nor any other person" . "Financial theory consists of numbers of the conceptions… which learns systematically the subjects of distribution of the cash resources relatively to the time factor; it also considers quantitative models, with the help of which the estimation, putting into practice and realization of the alternative variants of every financial decisions take place" .
These basic conceptions and quantitative models are used at every level of getting financial decisions, but in the latest definition of finances, we meet with the following doctrine of the financial foundation: main function of the finances is in the satisfaction of the people's requests; the subjects of economical activities of any kind (firms, also state organs of every level) are directed towards fulfilling this basic function.
For the goals of our monograph, it is important to compare well-known definitions about finances, credit and investment, to decide how and how much it is possible to integrate the finances, investments and credit into the one total part.
Some researcher thing that credit is the consisting part of finances, if it is discussed from the position of essence and category. The other, more numerous group proves, that an economical category of credit exists parallel to the economical category of finances, by which it underlines impossibility of the credit's existence in the consistence of finances.
N. K. Kuchukova underlined the independence of the category of credit and notes that it is only its "characteristic feature the turned movement of the value, which is not related with transmission of the loan opportunities together with the owners' rights".
N. D. Barkovski replies that functioning of money created an economical basis for apportioning finances and credit as an independent category and gave rise to the credit and financial relations. He noticed the Gnoseological roots of science in money and credit, as the science about finances has business with the research of such economical relations, which lean upon cash flow and credit.
Let's discuss the most spread definitions of credit. in the modern publications credit appeared to be "luckier", then finances. For example, we meet with the following definition of credit in the finance-economical dictionary: "credit is the loan in the form of cash and commodity with the conditions of returning, usually, by paying percent. Credit represents a form of movement of the loan capital and expresses economical relations between the creditor and borrower".
This is the traditional definition of credit. In the earlier dictionary of the economy we read: "credit is the system of economical relations, which is formed while the transmission of cash and material means into the temporal usage, as a rule under the conditions of returning and paying percent".
In the manual of the political economy published under reduction of V. A. Medvedev the following definition is given: "credit, as an economical category, expresses the created relations between the society, labour collective and workers during formation and usage of the loan funds, under the terms of paying present and returning, during transmission of sources for the temporal usage and accumulation".
Credit is discussed in the following way in the earlier education-methodological manuals of political economy: "credit is the system of money relations, which is created in the process of using and mobilization of temporarily free cash means of the state budget, unions, manufactures, organizations and population. Credit has an objective character. It is used for providing widened further production of the state and other needs. Credit differs from finances by the returning character, while financing of manufactures and organizations by the state is fulfilled without this condition".
We meet with the following definition if "the course of economy": "credit is an economical category, which represents relations, while the separate industrial organizations or persons transmit money means to each-other for temporal usage under the conditions of returning. Creation of credit is conditioned by a historical process of fulfilling the economical and money relations, the form of which is the money relation".
Following scientists give slightly different definitions of credit:
"Credit – is a loan in the form of money or commodity, which is given to the borrower by a creditor under the conditions of returning and paying the percentage rate by the borrower".
Credit is giving the temporally free money sources or commodity as a debt for the defined terms by the price of fixed percentage. Thus, a credit is the loan in the form of money or commodity. In the process of this loan's movement, a definite relations are formed between a creditor (the loan is given by a juridical of physical person, who gives certain cash as a debt) and the debtor.
Combining every definition named above, we come to an idea, that credit is giving money capital of commodity as a debt, for certain terms and material provision under the price of firm percentage rate. It expresses definite economical relations between the participants of the process of capital formation. Necessity of the credit relations is conditioned, from one side, by gathering solid quantity of temporarily free money sources, and from the second side, existence of requests of them.
Though, at the same time we must distinguish two resembling concepts: loan and credit. Loan is characterized by:
o Here, the discussion may touch upon transmission of money and also things form one side (loaner) to another (borrower): a)under the owning of the borrower and, at the same time, b) under the conditions of returning same amount or same quantity and quality of the things;
o The loaning of money may bear no interest;
o Any person may take part in it.
With the difference with loan, credit, which is somehow a private occasion of the loan, represents:
o One side (loaner) gives to the second one (borrower) only money, and _ for temporal usage;
o It may not bear no interest (if the assignment doesn't foresee something);
o In it creditor is not any person, but a credit organization (at the first place, banks).
So, a credit is the bank credit. To our mind, it is not correct to use "credit" and "loan" as the synonyms.
Banking crediting is the union of relations between bank (as a creditor) and its borrower. These relations touch upon:
a) Giving a certain amount of money to the borrower for definite purpose (though, we meet with the so-called free credits, aims and objects of crediting are not appointed in the assignment);
b) Its opportune returning;
c) Getting percentage rate from the borrower for using the sources under his/her disposal.
The essential foundation of the credit essence and its important element is existence of trust between the two sides (in Latin "credo", from which comes the word "credit", means "trust").
From the position of circulation of money forms (in the abstraction, historical process of formation economical relations and social budget and banking systems expressed by them) comparing different definitions of finances and credit, the paradox conclusion appears: credit is the private occasion of finances. And truly, from the position of movement of the money forms, finances represent the process of formation and usage of the funds of cash means. Very often such movements are fulfilled without returning, but sometimes, it is possible to give loans from the budget for the investment projects of other needs. Also, when a manufacture or corporations use their cash funds and we mean the finances of industrial subject, such usage may be realized as inside the manufacture or corporation (there is no subject about returning or not returning of the usage), so gratis under conditions of returning. This latest is called commercial form because of transmitting the sources to others, but even in this occasion, it is the element of financial system of the manufacture and corporation.
From the point of cash means movement, main character of credit is the process of formation and usage of the funds of cash means under the conditions of returning and, as a rule, taking the value-percentage. If gating the credit value doesn't take place (even in the exceptional occasions), according to the movement form, credit becomes a private occasion of finances, as from the net financial funds (consequently from the state budget) the loans which bear no interests may be used. If gating credit value takes place, by the appearance form, credit is discussed to be financial modification.
From the historical point of view, finances (especially in the sort of the state budget) and credit (beginning with usury, later commercial and banking) were developing differently for considering credit to be the part of finances. Though, from the genetic-historical point of view, previous loaners, before giving loan, needed gathering the permanent capital not returning, that is the net financial foundation. The banks analogously needed concentration of the important own capital for influxing the consumers' means and for getting higher percentage rate under the conditions of returning. Herewith, exactly on the financial basis, in the sort of financial fund (which later partially becomes loan fund) part of the bank capital appears to be the reservation (insurance) part of the fund, which by nature is financial and not loan. So notwithstanding the essential distinctions between finances and credit form the genetic-historical point of view, credit appears to be formed from finances and represent their modification.
From the essential position of expressing economical relations of finances and credit, we meet with cardinal distinctions between these two categories. Which mostly expressed by the distinction of the movement forms notwithstanding they are returnable or not. Finances express relations in the aspects of distribution and redistribution of social product and part of the national wealth. Credit expresses distribution of the appropriate value only in the section of percentage given for loan, while according to the loan itself, a only a temporal distribution of money sources takes place.
Herewith, there is a lot of common between the finances and credit as from the essential point of view, so according to the form of movement. At the same time, there is a significant distinction between finances and credit as in the essence, so in the form too. According to this, there must be a kind of generally economical category, which will consider finances and credit as a total unity, and in the bounds of this category itself, the separation of the specific essence of the finances and credit would take place.
Funding of the cash means is common to the researched economical categories. It takes place in any separate system of finances and credit, which have been touched upon during the analyses of defining finances and credit. Word combination "funding of the cash sources (fund formation)" reflects and defines exactly essence and form of economical category of more general character, those of finances and credit categories. Though in the in economical texts and practice, it is very uncomfortable to use a termini, which consists of three words. Also, "unloading" with an information hardens greatly its influxing into the circulation even in the conditions of its strict substantiation and thoroughness.
In the discussing context we consider:
1) wide and narrow understanding of economical category of the finances;
2) discussing finances in narrow understanding under general traditional meaning;
3) discussing finances, as funding of the cash means, in wide understanding, which concerns finances – in narrow meaning and credit – in complete meaning.
Termini "funding" and its equivalent "fund formation" are used by us as the purposeful structuring of cash means, which is based on two poles – accumulation of money sources (gathering) and its usage for definite purpose in the way of financing and crediting.
We have established a new termini – "finance-investment sphere" (FIS). Analyses about interrelation of finances and credit made by us give us an opportunity of proving, that in the given termini, the word "financial" is used with the meaning of funding cash sources, its purposeful structuring. In this process we consider at the same time financial, credit and investments' economical categories.
Let's sum up middle results of discussing new concept – "finance-investment sphere" and discuss its investment consisting parts.
The concept "investments" was brought into the native economical science from the West. In the Soviet economical science they for a long time used in the place "investments" the termini "capital placement", which expressed the usage of the industrial factors in the sphere of real industrial activities during realization of capital projects. From one glance, this termini in its concept is identical to the "investments", consequently it is possible to use them as synonyms. Though the termini "investments" and "investing" have the advantage towards the termini "capital placement" from linguistic and philological points of view, because they are expressed with one word. This is not only economical and comfortable in the process of working with the termini "investment" itself, but also it gives an opportunity of termini formation. More concretely: "investment process", "investment domain", "finance-investment sphere" – all these termini are much more acceptable.
Changing native economical termini with foreign ones is purposeful, if it really matters (by keeping parallel usage of the native termini for the inheritance). Though we must not change native economical termini into foreign ones all together, when by ordinal traditional language easy to explain private and narrow concrete processes and elements get their own termini. The "movement" of these termini is approved in the narrow professional bounds, but their "spitting out" into the economical science may turn economical language into the tangled slang.
Let's discuss termini – "investment" and "capital placement's" usage in the economical literature.
Investments are placement of funds into the main and circulation capital for the purpose of getting profit. "Investments in material assets – are the placements of funds into the mobile and real estate (land, buildings, furniture and so on). Investments in financial assets are the placements of funds into the securities bank accounts and other financial instruments".
We don't meet with the termini "investments" in the earlier economical dictionary, but we meet the combined termini "investment policy" – the union of the industrial decisions, which guarantee main directions of the capital investments, the activities of their concentration in the determinant suburbs, on which the reaching of planned rates of development of the society production is depended, balancing and effectiveness, getting more and more production and profit of the national income for every lost Ruble". For today, in the most actual definitions, the capital investments are bounded only by financial means, when not only financial, but also the investment of natural, material-technical and informational resources takes place. Labour resources take an actual place in the investment process. They themselves fulfill this or that investment process.
A positive side of the discussed definitions is that they connect investment policy and capital placements (investments):
– economical development according to the key directions to the concentration;
– providing high rates of economical growth;
– raising an economical effectiveness, which is expressed:
a) by growing the throw off of the production and national income for every lost Ruble;
b) by fulfilling the branch structure of the investments;
c) by improving their technological structure;
d) by optimization of their further production structure.
Compared with such definition of the investments (capital placement) the definition of investments in the dictionary attaching the "Economics" seems to be unimproved: "investments – the expenses of gathering production and industrial means and increasing material reserve". In this definition current expenses (production expenses) are mixed with the investment (capital) expense. Also, not the investment expenses but (though the investments are followed by the appropriate expenses) exactly advancing. It differs from the expenses by that the means (means) are put by returning the advanced values, also, under the conditions of growth, to which the concept-advanced capital is corresponding. the advancing may be realized in the money, natural-material and informational forms.
Except the termini "investments", there are two more termini related with the investment. They are shown below.
"Human capital investment" – any activity provided for rising the workers labour productivity (in the way of growing their qualification and developing their abilities); at the expenses of improving the workers' education, health and raising the mobility of the working forces". It is very useful to use the mentioned termini, though it needs one correction: the human capital investments do not concern only workers, but also the servants, representatives of every kind of labour.
"Investment commodity, capital goods – a capital."
In the official manuals of political economy of the reformation time the capital investments are discussed as "expenses for creating new main funds and widening, reconstruction and renewing the active ones". In this definition the investments (capital placements) during separation of the forms (types) of further production of the main funds are bounded only by main funds (without increases of the circulation funds and insurance reserves):
a) creating new ones;
b) widening;
c) reconstruction;
d) renewing.
Also, the concept of the industrial gathering appears, at the expenses of widening of basic, circulation funds and also insurance reserves takes place".
You'll meet below the definitions of investments from "the course of economy": the investments are called "placements of fund into the basic capital (basic means of production), reserves, also other economical objects and processes, which request long-termed influxing of material and cash means. "According to the division of capital into physical and money forms, the investments too must be divided into material and cash investments".
They apportion investment commodity, to which belong industrial and nonindustrial building objects, vehicles purposed for changing or widened technical park and the furniture, increasing reserves and others.
"They call the total investments of production an investment product, which is directed towards keeping and increasing the basic capital (basic means) and reserve. Total investments consist of two parts. One of them is called the depreciation; it represents important investment resources for compensation of renewal till the level of before industrial usage, wearing out and repairing of the basic means. Second consisting part of the total investments is represented by net investments – capital investments for the purpose of increasing basic means". Depreciation is not a compensation resource of wearing the basic funds out, but it is the purposeful financial source of such resources.
Human capital investment is "a specific kind of investments, mostly in education and health protection".
"Real investments are the investments in the economical branches and also, they are kinds of economical activities, which provide influxing the increases of real capital, that is increasing material values of the industrial means". We can agree with such definition with one specification that material and nonmaterial values too belong to the real capital (wealth), consequently science-researching experimental-construction results, various information, education of he workers and others. Such service as organization of the excitable games, also the service of redistribution social wealth from one private person to another (except charity).
"Financial investments represent placement of funds into the shares, obligations, promissory notes, other securities and instruments. Such investments, of course, do not give increases of the real material capital, but they help getting profit, consequently at the expenses of changing the course of the securities in the time of speculation, or distinguishing the course in different places of sell and purchasing". We share wholly such definition, hence it follows that financial investments (if it is not followed by real investments as a result) do not increase real material wealth and real nonmaterial wealth. According to this context, the expression below is very important: "we must distinguish financial investments, which represent placement of the funds in the ways of selling and purchasing the securities for the purpose of getting profit and financial investments, which become cash and real, moved to real physical capital."
In the "economical course" quoted before long and short-termed investments are separated. Recognizing the existence of the bounds between them, the authors ascribe short-termed investments to "one month or more" investments. If we get such conditioned criteria, that we can call the investments which overcome the terms of some months, long-termed ones, which is very doubtful and we don't agree with it. A long-termed character of the fund placement is a significant feature of the investments (short-term doesn't combine with the concept of investments). Principally, it would be better to point out quick compensative, middle termed compensative and long-termed compensative investments:
– less then 6 months – quick compensative;
– from 6 months up to the year and a half – middle termed compensative;
– more then the year and a half – long termed compensative.
We stopped at the definition of the investments in the capital work "economical course" for the special purpose, as, in it the author tried to discuss the concept of investments systemically and quite completely, herewith the book is published just now.
We'll return to the discussion the definition economical category of "investments" in different publications in the following chapter. The definitions given here are quite enough for having a notion of the level of lighting up the given category in the economical literature.
What conclusions may be made according the definition of the mentioned economical category in the published works, except the made notions and specifications?
There is quite deeply, concretely and thoroughly defined the concept of "investments", different definitions in the economical literature; but mostly in every works about the investments discussed by us until now, there is not opened the essence of investments as an economical category. In every monograph , even if it has a title investment, as an economical category , there is given only the definition, concept of investments. But, as the Academician Vasil Chantladze explains, "a concept is a discussion, which proves something about the distinguishing feature of the researched object. A concept out of much essential characteristic features represents only one, and essential in it is only – definition".
But the categories are much wider; it is "a key, the most fundamental concept of every science". Economical categories theoretically represent real, objectively existed productive relations. A category is the defining of occasions of existed characters, connections, relations of the objective world. Generally, any educational process is fulfilled by the categories, which give opportunities for dividing the processes and occasions semantically, for expressing the definitions of a subject and realize their specific peculiarities and economical relations of a material world.
Our goal is exactly to substantiate investments – as an economical category and also, as a financial category in the narrow understanding.
Here we apply for another manual thesis made by the academician Vasil Chantladze: "every financial relation is an economical one and every financial category is and economical one, but not every economical relation and economical category is financial relation and financial category".
In the process of defining the investments, it is important to take in mind the sides of resources, expenses and incomes, because investment, from one side, is the result of the manufacture's activity, and, from another one, – a part of income, which, in this case, is not used for usage.
Another occasion: it is advisable to discuss investments in two aspects: as a category of reserve and flow, which will reflect exactly the connection between "placement of funds" and "investments".
As we've mentioned above, not long ago, in the well-known Soviet literature the concepts of "the placement of funds" and "investments" were accepted to be the synonyms and concerned to be investment of sources for further production of the main funds and formation of the turnover funds. We meet with such understanding of the concept of "investment" (here, they separate three types of the investment expenses: investments in the basic capital of investments, investments in the house building and investments in the reserves) in the modern economical publications and it is mostly used on the macro level during a statistical analyze of economical processes. In this concrete occasion investment is the category of reserve.
5 Things to Keep in Mind When Starting a Real Home Based, Big Money Business
April 1, 2017
Whether you are planning on starting a business or looking to join an existing business, there are some things you will want to keep in mind starting with a real home based big money business. As with any industry, there are scams and legitimate opportunities you can find online.Take the tips listed in this article to truly flourish within the internet industry.
1. One of the most difficult facets of running a home based business is staying patient. If you are investing a great deal of time and effort while seeing little to no results it can be easy to get discouraged and frustrated after the first month or two. Just remember that it is going to take time to actually build up a successful business, but the results in the long-run will be well worth it.
2. Stay confident in yourself and remain patient. Nothing good will come from getting down on yourself and doubting your abilities. You are bound to go through ups and downs on the internet and it is how you deal with this that will determine whether or not you succeed. Just remember that a real home based business is going to be full of surprises, let-downs and accomplishments. But as long as you believe in yourself you will be able to accomplish anything.
3. Once you join a business or start one yourself, the last thing you want to do is stop looking for additional opportunities to take advantage of. There are no limits as to how many programs, web sites, or jobs you are involved with; and that is the beauty of the internet. Make sure you do not overwhelm yourself and are capable of taking on everything you get involved with, but never look away.
4. Feeding off of the last point, you have to be willing to take risks with a real business on the internet. Internet marketing is all about risk taking and hoping for the best. Believing in yourself and trusting your instincts is very important. If you are not willing to take risks you will end up settling for mediocrity while allowing your competitors to jump on opportunities of a lifetime.
5. Finally,keep in mind is that it is impossible to be too knowledgeable or experienced in something. There is always room for growth no matter what niche or industry you are in. For this reason, take time to hone your skills by taking short training sessions, doing training phone calls, and purchasing information products. The more you know within your niche the better prepared you will be for handling prospects and customers.
Starting a real home based big money business or joining an existing one is completely different than taking a few surveys or writing a few articles for a freelance web site. There is a tremendous amount of time and effort that you will need to invest into the job. For this reason, keep in mind each of the points that are listed in this article.
Consumer Credit Made Easy
March 24, 2017
Building a good credit record is one step in reaching financial independence and responsibility. An achievement that has great rewards and comes with great responsibility. Learning to manage credit responsibly is something that can be passed on through the generational lines.
Purpose for Obtaining Credit
The main purpose for credit is to allow the consumer to make purchases for items in advance while making incremental payments on their balance and paying interest to the lender for allowing them to borrow. Many companies, as well as lenders, use credit history as a base line for what are considered "The 3 C's:"
Character: In terms of how a person has handled past debt obligations: From the credit history and personal background, honesty and reliability of the borrower to pay credit debts is determined.
Capacity: This refers to how much debt a borrower can comfortably handle at any given time. Income streams are analyzed and any legal obligations are considered, which could interfere in repayment.
Capital: This refers to current available assets of the borrower, such as real estate, savings or investments that could be used to repay debt if income should be unavailable. CAMEL is a tool sometimes used for assessing credit-worthiness of a borrower. CAMEL refers to:
C: Capital
A: Assets
M: Management
E: Equity
L: Liquidity
Although, this approach can seem unfair due to circumstances that may happen which affect the consumer financially, it is the closest approximation that gives equality in borrowing. This is why becoming financially stable and planning finances for now and the future is a must. This approach will give the freedom and flexibility to fund things as well as receive other smaller forms of credit or large purchases such as a home or car.
Repairing Consumer Credit
Generally, this topic is a mystery to many, but it is actually pretty simple. Every consumer has the right and the capability to fix their credit items. Let's look at some simple steps in doing this:
– Obtain and review credit report.
– Analyze report.
– Make a list of all the items that are considered to be questionable or negative. Clearly identify each item in report to be disputed, explain why the items are being it disputed.
– Write a dispute letter to the credit bureaus.
– Send the letter to the credit bureaus. Make sure it's sent registered or certified mail.
– Document efforts. Record when letters are sent, and the results.
– Wait for the bureaus to investigate claims (30 days).
– Analyze the results.
– Resubmit if necessary
Obtain and Review Credit Report
Obtaining a credit report can easily be done by either visiting Annual Credit Report online for a free report or request via phone or mail;
Call 877-322-8228 or by complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
When you order, you need to provide your name, address, Social Security number and date of birth. To verify your identity, you may need to provide some information that only you would know, such as the amount of your monthly mortgage payment.
Analyze Credit Report
Look over report and notice what types of items that are listed and verify they are valid accounts. Make a list of all items considered to be questionable or negative.
Use an extra sheet of paper and take note of duplicate items with same account numbers, negative reporting that is inaccurate, accounts that have been satisfied but not reported as so, and any other questionable items located.
Write a Dispute Letter to the Credit Bureaus
What should be challenged? Anything that is invalid or falsely reported. Don't bother challenging the information within a collection listing, charge-off, court record, repossession, foreclosure, or settled account. As the basic nature of these listings is negative, changing the information within the listing will yield no improvement. Severely negative listings, such as these, must be disputed on the basis of complete deletion or not be disputed at all.
These letters are basic in nature and are sent to all three credit bureaus at Equifax Information Services, Experian Consumer Assistance, and TransUnion.
New Positive Consumer Credit
Make sure when sending reports electronically an email copy is saved so it can tracked. Once a response is received evaluate what items came off, which stayed and whether or not it is necessary to repeat this process.
When attempting to establish new positive consumer credit, make sure all negative items get paid or paid down. Consumer credit is important to understand and to pass on down the generational lines.


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DALLAS (Nov. 4) -- The 15th annual O'Reilly Fall Nationals finally came to a close for Pro Stock driver Richie "The Kid" Stevens Saturday afternoon in the quarterfinal round. The race, which was delayed two weeks by rain, was hampered by the wet...
DALLAS (Nov. 4) -- The 15th annual O'Reilly Fall Nationals finally came to a close for Pro Stock driver Richie "The Kid" Stevens Saturday afternoon in the quarterfinal round. The race, which was delayed two weeks by rain, was hampered by the wet stuff once again during yesterday's scheduled qualifying sessions. Eventually, NHRA officials cancelled the entire day's activities outright and for the first time ever set the elimination fields solely by each driver's ranking in the Winston championship points standings.
The unusual turn of events meant Stevens, the No. 7 points earner in his class, would line his Valspar Refinish Pontiac Firebird up against local favorite Bruce Allen of Arlington, Texas, in the opening round. Allen was the No. 10 qualifier and, as such, had to yield lane choice to Stevens.
Due to the cancellation of all qualifying sessions, no driver had any information on the track and it was up to the crew chiefs to guess what the freshly washed surface would hold. Additionally, Stevens had to watch from the water box as fellow competitor Jim Yates lost control and crashed into the retaining wall just before Stevens attempted his opening round lap in the same lane.
Fortunately, Stevens and crew chief Tommy Utt had the right combination and the Valspar car streaked down the strip without incident, recording the second quickest pass of the opening session -- a 6.975 at 194.91 mph -- to get the win over Allen.
"It was a little nerve-wracking to see Jim crash but it looked like he stayed on the throttle a little too long," Stevens said. "I didn't really have much time to think about it because I had to focus on what I had to do. I never questioned Tommy's tune-up and, as usual, he had this Valspar Pontiac ready to go. We were the second quickest car out there, which says a lot about this team. The only bummer was that (second round opponent) Kurt Johnson was the quickest so he got lane choice in Round 2. That cost us the race."
Stevens, a 22-year-old from New Orleans, gave Johnson a tough run in Round 2 but the slippery right-hand lane was too much to handle and he lost by a 6.94 to 6.98 margin.
"We still ran one of the quickest laps of that session and we were in the bad lane," Stevens said. "The car just started shaking out there in the middle of the track and there was nothing I could do. I guess I should have gambled at the start and try to beat him at the tree but our thought was to make a clean pass and force him to beat us. I can't be too upset about this weekend because we did lock down our spot in the points and we won another round. All things considered, that's not a bad outing." k

subset: commoncrawl


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BINGHAMTON, N.Y. -- BSB Bancorp said its board has declared a three-for-two stock split.
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Sleeping Dogs is action adventure video game which is developed by United Front Games and Square Enix London.The Game Sleeping Dogs is available for PlayStation 3, Windows, and Xbox 360 platforms. Sleeping Dogs Full Game is set in Hong Kong.It is the single-player game which follow story of Wei Shen, who is an undercover Hong Kong-American police officer.He has been given assignment to infiltrate the Sun On Yee Triad organization. Sleeping Dogs Game focuses on Shen's fighting, shooting abilities.In Sleeping Dogs action-adventure game,the player must complete missions to unlock content and continue to play Sleeping Dogs PC Game missions.
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Ratings of Sleeping Dogs Game on Common Sense Media:
The common sense media rated Sleeping Dogs 4/5.
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IGN(Imagine Games Network) is a well known website for games rating.They rated Sleeping Dogs 8.5/10.
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Metacritic Rated Sleeping Dogs 81 %.
Sleeping Dogs for PC Play Review :
Sleeping Dogs For PC is an open world action adventure cop drama settled in Hong Kong. In the Game Sleeping Dogs the player takes the role of a cop named Wei Shen, the players must beat one of the world's most lethal criminal organizations from the inside and outside.Sleeping Dogs features imaginative combat systems also,which enables the player to perform an array of martial arts moves.The game Sleeping Dogs comes up with very high graphic quality.After completing these missions, the player can explore the world and take part in side missions also. The player can run, jump, climb over obstacles, swim and drive cars, boats and motorcycles.
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[continuing with SHE]
Oh that you were like a brother to me who nursed at my mother's breasts! If I found you outside, I would kiss you, and none would despise me. I would lead you and bring you into the house of my mother– she who used to teach me. I would give you spiced wine to drink, the juice of my pomegranate. His left hand is under my head, and his right hand embraces me! I adjure you, O daughters of Jerusalem, that you not stir up or awaken love until it pleases.
What I found: She faces opposition because she loves Him. She wants to kiss Him and keep Him close and bless Him, if only she wasn't despised by everyone else for it. But He still embraces her, and because of this she will commit to loving Him anyway! Can we be her?! Because she loves Him, she is ridiculed. Do some people poke at you or avoid you because Jesus is in your heart and life? Or are you afraid to openly show that you love Him? Fear is okay! It's what you do with that fear that determines the way you live. Instead of giving in to your fear, remind yourself that God is Love and love casts out fear, and live your life fearlessly loving! If someone is rude or even cruel to you because you love Jesus, celebrate! It shows you've started looking like Him! You know, people absolutely despised Jesus when He walked the earth. Why do you think He was crucified? He looked just like His Father! Remember His love for you if you are tempted to hide your love for Him. Take joy in the fact that He shouts about His love for you on the mountaintops, that He lives His love for you, and let that drive you to do the same! This is the third time "SHE" has told us to not stir up or awaken love until it pleases, so it must be important! I take so many things from this verse; almost every time it's something different. This time it said to me that the love between me and Jesus is so special because of the long wait we had for it. I've always had His love, but I wasn't even aware of it until I was four, wasn't even sure it was worth it until I was thirteen, wasn't even sure of it until I was fifteen! I had to wait for our relationship because of my own fear and uncertainty, and Jesus had to wait ever since He thought of me. That is a VERY long time, a length we can't comprehend! Our love is a priceless treasure, and the wait was worth it a thousand times over. Are you still waiting? Talk to Him about it. He's ready when you are!
What did you see in our passage today?


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THis guy was sold to me yesterday as a type of cinnamon morph, but my friend says it's definitely not a cinn. What is he?
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TV Series | TV-14 | | Comedy, Drama
On the run from a drug deal gone bad, Mike Ross, a brilliant college-dropout, finds himself a job working with Harvey Specter, one of New York City's best lawyers.
Every Suits (2011) season, except Season 1, contains a flashback episode.
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Contact Billing Department Please be advised that the billing operation is being handled by Duodecad ITS Support from now on. She gets on top of her partner who lies down naked, and spreads her legs wide open and proudly shows her clean shaved pink pussy getting penetrated. Well today is his lucky day as this sexy and fiery blonde will use his cock for her own dirty little demonstration today.
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Latest Blog Entries
Easter Closure
We will be closed for the Easter break from 4pm Thursday 13th April until 12.30pm Tuesday 18th April, however we will be picking up inquiries during this time, so please do not hesitate to contact us. . . We wish you a pleasant Easter holiday. . .
New In - A Pair Of #Irish #Mirrors
A pair of Irish mirrors in the George III style, of good quality with faux mercury glass mirror plates pinned into patinated copper frames, bordered with rock crystal and blue glass faceted studs in the traditional 18th Century manner. Of good weight and with wooden panelled backs. . . Measure: 100cm high x 70cm wide […]
New In - An Italian Geometrically Shaped Occasional Table
An Italian occasional table of geometric design in chrome, wood and with a circular plate glass top. . . c.1960's. . . Measures: 100cm diameter x 37cm high


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Protect against false advertising. Must possess ability to write routine reports and correspondence. Cold call and obtain new customers. Boar's Head Sales Rep....
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Able to operate a personal computer and be proficient in MS Office programs (Word, Excel, etc.). With assistance, develop the Community's marketing, public...
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We've all heard that the best meals are made from the freshest ingredients. But as it turns out, there may be one big exception.
Board certified health coach Anjali Shah tells the web series #OWNSHOW that canned tomatoes have so many benefits over fresh that she actually prefers to cook with the canned version more often than not.
Also read: James Beard awards: The best women in food and drink
Read more


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can anyone recall what the jollie ville charges to collect and transfer you from the airport?
many thanks
I was quoted $10 per person this year
thanks for your help.
Hi there, the price list for taxis given at the JV in august this year quoted 45EGP - per taxi not per person. We used the same taxi each night when we were there and did day trip to Cairo and our taxi picked us up from Luxor airport and this was what he charged (always gave him a small tip too)
Jak :-)
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How is dairy products important to respiration?
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At Least 81 Bodies Found in Wake of Massacre in Syria's Aleppo
Govt Reports Many of the Slain Had Been Reported Kidnapped Earlier
Scores of bodies are being pulled from the Quweiq River in the Syrian city of Aleppo today, with the current death toll at 81 and the prospect that yet more bodies could be found. All the slain were men, though some were just young teenagers, they were bound and many were shot in the head or neck.
Exactly what happened is still unclear and a matter of no small speculation. The pro-rebel Observatory for Human Rights reported that it was "unclear" who was responsible, though some other factions predictably insisted it was the regime's doing.
Syrian government reports however, noted that many of the slain were the same people reported kidnapped recently by "terrorists," and said the families of those victims had been trying to negotiate their releases.
The bodies were found in a rebel-held portion of Aleppo, but it isn't clear if they were killed there or simply had been dumped in the river somewhere nearby. The rebel Free Syrian Army (FSA) said that bodies were regularly found around the area but never in this quantity.
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Guest accommodation
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C/Xiprer 34 03750, Pedreguer
0.57 km
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Oquins is a holiday home located in Pedreguer, 32 km from Benidorm. The unit is 29 km from Gandía.
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Rooms: 1
Please note that payment of the mandatory cleaning fee is due upon arrival. A security deposit of EUR 300 is required upon arrival for incidentals. This deposit is fully refundable upon check-out and subject to a damage inspection of the accommodation. License number: AT-445694-A
Dishwasher, Electric kettle, Stovetop, Dining table, Kitchenware, Tea/Coffee Maker, Toaster, Kitchen, Microwave, Oven, Refrigerator
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2017 Texas Leadership Forum
Wednesday, November 1, 2017
3:30 p.m. – 5:00 p.m.
Frisco Conference Center at 7600 John Q Hammons Dr, Frisco, TX 75034
Room: TBA
Agenda/Speakers: TBA
Hosted by the Texas Emerging Planning Leaders (TxEPL)
Plan to arrive at the APA-Texas Chapter Conference early to join APA leaders in the 4th Annual Texas Leadership Forum! The Texas Leadership Forum will host a series of state and national leaders who will speak on their roles in planning and the professional benefits of being involved with APA. Attendees will also learn about the importance of mentoring and how the Texas Planning Mentorship Program benefits planners in all career stages.
Chapter and Section leaders are encouraged to attend the Forum as an orientation for the current and newly elected APA leaders. Best Practices for successful Section and Chapter leaders will be presented and discussed. Attendees will have the opportunity to engage with guest speakers and network with other professionals from across the state. 1.5 CM credits will be available for this Forum.


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Upcoming courses
We believe everyone has the potential to achieve! Have a look at our courses and talk to us if you need more information.View All Courses
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We have a limited-time offer on our Understanding Dementia course. This course was £500 but the last few places are now reduced to £250 This offer is for this course only and is unlikely to be repeated. Don't miss out, last few places so grab one now! Please e-mail: email@example.com or phone 01273 422632 to check for funding […]
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Looking for inspiration? Read this from one of our students on the power of studying at PACA
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Congratulations to Lisa Goodman
Everyone here at PACA Adult Learning would like to pass on their congratulations to Lisa Goodman, who has just been accepted at the University of Nottingham on a highly competitive course: BSc Humanistic Counselling Practice! Lisa has just passed the Access course. She started a few years ago at PACA doing mental health 1 and […]


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Math Activities for Ages 3-5
Math Activities for Ages 3-5
Strike! Try this fun way to practice counting.
Try these six wheel-focused activities with your child for an afternoon of well-rounded fun.
Take the first steps toward geometry learning.
Try this tasty twist on matching games.
Learn about sorting, counting, and saving with a homemade piggy bank.
Exploring simple shapes sets the stage for creative thinking. These easy activities focus on the geometry of fun!
Start singing! Repetition of words is the first step toward recognizing patterns in math.
Make a family-faces game to help your child learn letters and words.
by Risa Young
Introduce the concept of line — straight and curved — with this activity.
A reflective look at how two halves make a whole.
by Risa Young
Make a counting book full of beans.
Scoop up some geometry, spatial reasoning, and creativity when you make this cool cone.
Building math skills is as easy as 1, 2, 3 with these simple tips and games.
How high can your child count?


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MARKETING ASSISTANT & SOCIAL MEDIA - POSITION FILLEDTue, 2016/11/29 - 3:20pm
Fernie Brewing Company is looking for a Full-Time Permanent Marketing Assistant/Social Media Coordinator to join our crew. Fernie Brewing Company is a fast growing and dynamic craft brewery situated in the well-known and popular ski and mountain town of Fernie, BC, located near the BC/Alberta border. We are an award-winning brewery with exceptional year-round and seasonal brews.


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Started by ~Anni~ , Jul 14 2008 10:56 AM
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Posted 14 July 2008 - 10:56 AM
EB admin will be looking at ways to restore previous stories later this year. Our feature stories are very special and inspiring, and have been a tremendous resource for members and visitors.
Please email me if you would like a previous story emailed to you: email@example.com
Or - you may be able to find your story in the Google cache online.
You can try searching on Google for "feature member" plus the title of the story.
If you don't find it that way, you could try typing in "Anni Taylor" and looking through the supplemental results - Below the Google search results, click on: repeat the search with the omitted results included.
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26 April 2017
Moscow: 03:04
London: 01:04
Consular queries:
+44 (0) 203 668 7474
On April 17, Foreign Minister Sergey Lavrov held talks with Mankeur Ndiaye, Minister for Foreign Affairs and Senegalese Abroad of the Republic of Senegal, who had come to Moscow on a working visit.
During a substantive discussion of practical issues of Russia-Senegal cooperation, Moscow and Dakar's mutual commitment to expanding political, trade and economic, investment and humanitarian relations was affirmed. Also, the two ministers noted significant potential for stepping up their partnership by implementing promising joint projects in geological prospecting and exploration of mineral resources, shipbuilding, energy, fishing and infrastructure, as well as by stepping up direct business-to-business contacts, including through chambers of commerce and business associations of Russia and Senegal. Moreover, an agreement was reached on exchanging experience in working with compatriots living abroad.
The ministers also had a substantial conversation on key issues on the international and regional agendas, with an emphasis on unblocking the crisis situations in Africa, in particular in the Sahara-Sahel region, the Central African Republic, Mali, Libya, South Sudan, Guinea-Bissau and the Democratic Republic of the Congo. Mr Lavrov gave a detailed account of Russia's efforts aimed at a prompt political settlement of the Syrian crisis.
The Foreign Ministers expressed a common view in favour of establishing a broad counter-terrorist front with the central coordinating role of the UN on the basis of international law and free from any double standards. In this connection, a high level of understanding between Russia and Senegal was underscored, and the countries' commitment to further cooperation within the UN and on other multilateral platforms was confirmed.
Follow @russianembassy
I have held talks with OSCE Secretary General Lamberto Zannier and his delegation. OSCE Secretary General Lamberto Zannier has come to Moscow to attend the sixth Moscow International Security Conference sponsored by the Russian Ministry of Defence. We welcome this opportunity to hold a detailed exchange of views on current issues on the OSCE agenda.
The Executive Council,
Noting with grave concern reports regarding the alleged use of chemical weapons in the Khan Shaykhun area of Southern Idlib in the Syrian Arab Republic on 4 April 2017;
Underlining that the use of any chemical weapons and toxic chemicals as a weapon anywhere by anyone and under any circumstances is reprehensible and completely contrary to the provisions of the Chemical Weapons Convention (hereinafter "the Convention") and all norms of international law and affirming that those responsible for the use of chemical weapons must be held accountable;
Recognising the sovereignty and the territorial integrity of the Syrian Arab Republic and its readiness to continue the cooperation with the OPCW;
Welcoming the request of the Government of the Syrian Arab Republic for assistance in ensuring immediate and impartial investigation in the Khan Shaykhun area of Southern Idlib and the Shayrat airbase, as well as its readiness to ensure free and safe access to the Shayrat airbase, as contained in the letter to theDirector-General of the OPCW Technical Secretariat (hereinafter "the Secretariat") dated 11 April 2017;
According to statements coming from the OSCE, on the morning of April 23, 2017 an OSCE Special Monitoring Mission vehicle returning from a patrol, experienced a mine explosion in the district of Slavyanoserbsky, Lugansk Region, two kilometres away from the line of contact, resulting in the death of one paramedic from the United States working as a contractor with the OSCE. International monitors who were also in the vehicle were wounded.
Programme of 9 May Victory Day celebrations around UK
On 20 April Minister of State for Europe and the Americas Sir Alan Duncan, speaking in the Commons, accused the Government of Chechnya of inciting violence against LGBT people, persecution of gays and ill-treatment of over 100 men because of their sexual orientation.
These allegations are solely based on publications in the "Novaya Gazeta" newspaper and are not supported by any other proven data. Russian law enforcement authorities received no notifications from the so-called "victims" of threats. Nevertheless, they conducted proper checks, which didn't reveal any evidence of violence and ill-treatment of LGBT persons.
Question: Do you know when and where President of Russia Vladimir Putin will meet with US President Donald Trump?
Sergey Ryabkov: We have reaffirmed our readiness for such a meeting several times. We understand that contacts at the highest level are crucial for adjusting the agenda, areas of focus and the direction we are moving in.
I would like to touch on fake news and hoaxes – in fact, blatant misinformation – in this context. I announced a figure today that shows that Russia has sent over 60 humanitarian convoys to the Donetsk and Lugansk people's republics. Just remember what it all began with: tweets and Western press reports about Russia launching an armed invasion of Ukraine. Convoys in duly marked white lorries were made out to be carrying armoured vehicles and not humanitarian aid.
In connection with media reports on the plans to hold a meeting of the NATO Parliamentary Assembly on Spitsbergen in May, we believe it is necessary to make the following statement.
The key commonality between plant science and diplomacy it is the sensitivity towards passing seasons. Both must learn to adapt to withstand good times and bad.
In an unsettled period for world politics and diplomacy some respite is sorely needed. When diplomatic relations are strained, innovative and creative approaches to building bridges between nations is even more in demand.
Оn April 18, a reception was held at the Reception House of the Russian Foreign Ministry on behalf of Foreign Minister Sergey Lavrov on the occasion of Orthodox Easter. Attending were Patriarch Kirill of Moscow and All Russia, Russian Orthodox Church hierarchs, representatives of traditional faiths, Russian state officials, public figures, and diplomats.


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The Basketball Tournament
Apr 25, 2014, 10:28 AM EDT
What if I told you that you could play in a basketball tournament with a $500,000 winner-take-all prize? Well now you can! Just don't expect to win as eight former members of the Irish basketball squad are joining forces to try and bring home the prize.
In true Notre Dame fashion, the team plans on being charitable if they come out on top as they intend to donate $100,000 of the winnings to charity.
The rules of the "The Basketball Tournament" (TBT) are pretty simple: College rules, except halves are 18 minutes, each team gets four timeouts per game, each player gets six fouls and the shot clock will be 45 seconds (except for the final game, which will feature a Fan's choice shot clock time).
As you will see, a lot of the rules come down to fan voting.
Here is the important information you need to know.
– 32 team tournament
– 24 teams that registered automatically get in if they have the most fans supporting their team
– The last eight spots are chosen by the committee
So what you can figure out from this is we need to vote to keep our alums in. What alums are playing you ask?
– Chris Thomas
– Tyrone Nash
– Kieran Piller
– Russell Carter
– Zach Hillesland
– Ryan Ayers
– Colin Falls
– Rob Kurz
Now that you see what kind of talent that has been assembled on the squad, take a few moments to vote for the guys and help them donate $100,000 to a number of charities, including Coach Brey's Coaches vs. Cancer initiative. CLICK HERE TO SUPPORT THE IRISH, IT'S FREE
About In The Paint
Women's Basketball on YouTube
- 👀 Searching for the best & brightest. 🤔 Who will be the next ☘legend to take over a wall at Boo Williams?… twitter.com/i/web/status/8… 2 days ago
- 😍 Love to see our #NDFamily on the road! ☘ 👀👏🏼 Megan Duffy ('06) & Michaela Mabrey ('16) -Miami OH- w/ Coach & Be… twitter.com/i/web/status/8… 2 days ago
- RT @NDSportsBlogger: 🏀 Point Guard Podcast @ndwbb coach Niele Ivey talks @nyliberty's Lindsay Allen & Irish in the WNBA! LISTEN: https://… 2 days ago
- Happy Birthday to our biggest cheerleader & the nation's best leprechaun, Coach McGraw's husband, Matt! ☘🎉👱🏼🎁🏀 https://t.co/DSMxQCXHr3 2 days ago
- 🏀 6 guaranteed games. ❄ Air conditioned courts. 👀 Less than 10 spots remain for Team Camp! ✍🏽 Sign up today 👉… twitter.com/i/web/status/8… 4 days ago
Men's Basketball on YouTube
- ND Day is live! Our @BonzieColson will be live in the 9 pm ET hour tonight. twitter.com/ndmbb/status/8… 1 week ago
- Our goal = send local kids to our summer camps You can help Vote for us during @ProudtobeND 💵 ▶ camp costs 🗳 ▶… twitter.com/i/web/status/8… 1 week ago
- RT @NDBusiness: When you see a fellow Domer on #NationalHighFiveDay... ☘ @NDmbb https://t.co/ShUwC44df6 1 week ago
- A look back at one of our top moments from 2016-17 - a steal and drive seals The Legends Classic Championship over… twitter.com/i/web/status/8… 1 week ago
- Only returning @accmbb player w/1,200+ pts, 600+ rebs. @BonzieColson's return puts Irish in contention in 2017-18… twitter.com/i/web/status/8… 1 week ago


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News Hanayaka Nari, Waga Ichizoku Dating Game Gets Anime
posted on 2012-02-14 11:15 EST
The editors of Enterbrain's B's-Log magazine posted the cover of the magazine's April issue on Tuesday, and the cover image revealed that an anime adaptation of Idea Factory's Hanayaka Nari, Waga Ichizoku game has been green-lit. However, the editors quickly removed the cover image and replaced it with a version that obscures the anime announcement.
This dating adventure game for female players (otome game) is set during Japan's Taishō era (1912-1926). A girl named Haru Asagi works as a maid of the Miyanomori family, which is headed by one of Japan's most powerful magnates. However, the family head suddenly announces that he is retiring, so one of his six sons must assume control of the family.
Idea Factory's Otomate brand released the game for the PSP system in 2010, and the game inspired a fan disc, Hanayaka Nari, Waga Ichizoku: Kinema Mosaic, last September.
[Via Jam Guru]
this article has been modified since it was originally posted; see change history
Noragami Season Two: Aragoto [Limited Edition] BD+DVD
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Available Now: Attack on Titan Season 2 - My Hero Academia season 2 ― Welcome to Anime News Network's Spring 2017 Preview Guide! Here's how it goes: our team of critics write up their impressions instantly and they get posted as they go along. Each critic will cover as many shows as they can handle, resulting in alternate takes on most ...


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DIY Faceted Clay Tealight Holders - A Little Craft In Your Day http://www.alittlecraftinyourday.com/2015/04/27/diy-faceted-clay-tealight-holders/?utm_content=buffer6dbb7&utm_medium=social&utm_source=twitter.com&utm_campaign=buffer
ArtMind: How to color and use liquid porcelain clay? and how to slip mould
Want a green decor idea that will surely look stunning in your garden? This easy project with succulents is one of our favourites! See the different versions of this beautiful project and learn how to make your own! http://diyprojects.ideas2live4.com/2015/10/20/decorate-your-garden-by-making-these-succulent-balls/
How To Grow A Kiwi Plant From Seed – DIY
Succulent Driftwood Designs – Succulents and Succulent Garden Design | Debra Lee Baldwin
How to Grow a Kiwi Plant from Seed
Here's how to start: Remove the large pit (seed) from inside an avocado, rinse well, and dry (a wet seed will be slippery!). Push three or four toothpicks into the seed at its widest part so that y…
How to Grow an Avocado Tree. I was just wondering about this recently!
Good to know


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Is this an Italian restaurant?
Does this restaurant have tables with seating?
Does this restaurant have waiters and waitresses?
Does this restaurant accept reservations?
Does this restaurant serve alcohol?
Does this restaurant offer takeout or food to go?
Is this restaurant family-friendly?
Is this restaurant good for dinner?
Is this restaurant good for lunch?
Is this restaurant good for business meetings?
Thanks for helping!
3 days in San Antonio
San Antonio for young kids
San Antonio for free
We ordered the lunch time 3 course for $15. Wonderful pasta and shrimp, salad and a canoli (to go). Nice atmosphere and friendly service.
We had lunch at Rossini, first time there, and were very impressed. They have a 3 course lunch special for $15 that includes salad, entree and dessert. I had a tomato and mozzarella salad and eggplant parmigiano with a chocolate bombe for dessert. Everything was great, the service was attentive, but surprisingly, everything was presented in a beautiful artful manner....
We were looking for a restaurant on our way back to the airport and stumbled on Rossini's. It was Restaurant Week! Lunch special with 3 course meal. Had a delicious spinach salad with balsamic reduction dressing and salmon with asparagus, awesome tiramisu for $15. Very attentive and fast service. If I lived in San Antonio, I would definitely go back!
Loved the spaghetti carbonera! But it looked like an appetizer. Service was good and the ambiance was great...Sinatra music, table cloths and dim lighting. Also, for me personally it was disappointing that they were out of chianti...something that is a staple at Italian joints. Otherwise all was good. We will return.
Everything was prepared & served with care.
Spouse had Caprese salad & cannelloni. Two thumbs up.
I had Putanesca & Porchetta. Too much food - looking forward to a Porchetta lunch tomorrow.
Small but decent wine list. Fairly priced.
This was the maiden voyage since ownership change. We shall return.
We had dinner at Rossini Italian Bistro last night. The food was amazing, not your ordinary Italian fare. The chef, Andrew is very creative. He cooks everything to order so your food is fresh. It might take a few minutes longer, but well worth the wait. He offers a price fixed menu that includes an appetizer, a salad, a main...
Selections on menu are very limited, but food is very well prepared. Service is excellant, friendly, helpful, and knowledgeable
Wine list is very good
Pleasant enough place. Food was average. Not prepared as described on menu and delivered luke warm. Edible but that's about it.
I made a reservation 3 weeks in advance for my dining out group. I requested that they make sure they had mussels because I have members who do not eat red meat, have gluten problems and other dietary concerns. I was assured that they would make sure they had mussels for my group. I called twice to double check that...
following a review in the last sunday's food section 2 friends and i went to rossini's yesterday for lunch and mussels. they are only on the dinner menu, but the chef graciously offered to make them for us. the mussels from B.C. and are bigger than the new zealand variety. they come in a wine and garlic sauce with a...
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What is tree
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Made To Order* I painted this Tree of Light mandala to symbolize the pure energetic life force.The tree takes its nourishment from the earth and turns it into oxygen which is our energy of breath. The energy around trees is amazing. This mandala reminds us that everything on this earth is based on an energetic exchange and the exchange that nature gives us is completely revitalizing.The tree is wise in it takes what it needs and returns even more. This mandala is a beautiful tool for…
Do you know you have a family tree? Family trees are interesting and fun and always growing. Once you make the tree, you will be able to remember how everyone is related. So what does your family tree look like?
The tree of life connects the ground and our physical existence to the skies and the heavens. It unites all forms of life to mother earth and the universe. It is widely recognised and cited in many faiths and cultures including Christianity, Buddhism, Islam, Judaism, Hindu and Baha'i - all over the world, uniting all of humanity and the universe as a whole.
Andy Goldsworthy, careful placement of leaves around its roots. This 2013 installation was for the Berrydown Foundation in Hampshire, England
curved-herbaceous-border-with-evergreens-and-perennials How to create a herbaceous border on a budget
I like this unusual, chunky seat made out of (what looks to be) new railway sleepers which have been sawn down to size in a contemporary garden by Garden Designer Andrea Newill
Captain Corelli's Mandolin reading. A bride's dad read this at a ceremony and it was simply lovely. At the end section, he said that this is what he and the bride's mother had in each other. #notadryeye
I love the colour, how it ties in with her hair, and the trees in the background
free pattern for table runner. This is so neat! What a cute idea for green scraps! MF
"beautiful" it surely is, what a wonderful palette. It is a giclee print on paper of a monotype by Rebecca Vincent. See more http://www.horsleyprintmakers.co.uk/Rebecca%20Vincent%20-%20Giclee%20Prints.htm


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Life Somewhere Else
by Isidore
- Record Label: Communicating Vessels
- Release Date: Feb 21, 2012
- Summary: Steve Kilbey of Church and Jeffrey Cain of Remy Zero return after seven years for their second collaborative album as Isidore.
- Record Label: Communicating Vessels
- Genre(s): Pop/Rock
- More Details and Credits »
Score distribution:
Positive: 4 out of 4
Mixed: 0 out of 4
Negative: 0 out of 4
Apr 23, 2012Isidore doesn't really feel like a "side" anything. It's a main event.
Apr 23, 2012It's a shame only Church and Remy Zero fans will be inclined to check this out because it is a masterpiece lying beyond the power of the descriptive word.
Apr 23, 2012Life Somewhere Else makes its beautiful way across 67 minutes, an album content to take its own sweet time to reach its destination, happily exploring the nooks and crannies along the way.
Apr 23, 2012It's the driving, rock-based tracks like "Recoil" and "Just Dust" that give Life Somewhere Else its energy, as Kilbey matches Cain's chugging-but-ringing guitars with a lust-for-life delivery.
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|Fuzzy Logic [20th Anniversary Deluxe Edition] - Super Furry Animals
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|All-Amerikkkan Bada$$ - Joey Bada$$
|Here - Alicia Keys


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Unformatted text preview: Sheet1 Page 1 The African Continent and European Colonial Expansion in the Late 1800s When did the Conference of Berlin occur? What was it about? What outcomes for Africa did it lead to? How did Africans react to the partition of their continent? Describe two political or economic policies used by Europeans to control African territory and labor. structured? DESCRIBE four motivations for the new European explorations of Africa during the late nineteenth century. i. ____________________________________________________________________________________ ii. ___________________________________________________________________________________ iii. ___________________________________________________________________________________ iv. ___________________________________________________________________________________ _ i. ____________________________________________________________________________________ ii. ____________________________________________________________________________________ iii. ___________________________________________________________________________________ iv. ___________________________________________________________________________________ If a colony was run by __________________, local elites were removed from power and replaced with a new set of officials from the mother country. a. divine rule b. indigenous rule c. direct rule d. indirect rule Originally sent to Africa to find David Livingstone, Henry Stanley was later a. killed going down the Congo River. b. hired by King Leopold II of Belgium to evaluate the potential of the Congo c. a diplomat who negotiated on the behalf of Africans Mario Azevedo, hEuropean Exploration and Conquest of Africa.h Africana Studies: A Surveyh Film: Basil Davidsonhs Africa: This Magnificent African Cake The Belgians are known to have used a type of direct rule called hpaternalism.h How was this model What were the four (4) hrules of the gameh that came out of the Berlin conference? Who was the officer who invented hindirect ruleh? Sheet1 Page 2 d. the author of many cartoons depicting Africa. a. the cost of creating and supporting an empire b. the belief that Europeans had a moral responsibility to civilize primitive peoples c. the crowded urban living conditions created by the Second Industrial Revolution d. the unpopular belief that Europeans were responsible for the mass destruction of many African cultures 11. Why did European colonizers, in places like Kenya, insist that Africans must pay taxes (e.g., the head tax or the house-hold/hut tax) in European currency/cash? 12. Many European supporters of colonialism during the Age of Imperialism explicitly supported the idea of _______________________ saying only the strong and modernized countries deserved to survive....
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This note was uploaded on 04/28/2010 for the course AFRICANA 832;442 taught by Professor Bonadie during the Spring '10 term at Rutgers.
- Spring '10
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