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Wills Drafting Service in Mallorca
- RosaRosa is an experienced English-speaking lawyer in Mallorca and provides expert legal advice and assistance in the following legal areas: Property conveyances, Inheritance, Family, Criminal, Business, Employment and Tax law.
Client Testimonials
Below is a list of recent client testimonials received from previous clients of this law firm, obtained via the Wufoo client survey platform:
- Tracey Iliffe Bradley, UKTuesday, August 14, 2018Rosa dealt with everything efficiently and promptly and went beyond our expectations by helping us to open a Spanish bank account and deal with other minutiae.
- Tracey and Mike Iliffe Bradley, Colchester, United KingdomTuesday, May 29, 2018From our very first contact through to the end of our purchase, Rosa surpassed all expectations.
She was helpful, efficient, always quick to return our communications and a pleasure to deal with. ...Read MoreWe have already recommended her services to a friend.Read Less
- Liezl Pulido, PhilippinesMonday, April 23, 2018Rosa never stopped working very hard, she went way above what she needed to do...she never gave up on me and always did more than I thought anyone would.
I am so blessed I got Rosa to help me I co...Read Moreuldn't have gotten a better lawyer she's the best.
Thank you Rosa from the bottom of my heart you are a wonderful person, I am so grateful to you.Read Less
- L Marshall, LondonWednesday, March 28, 2018Rosa was excellent. Very efficient and professional.
Responsive and always available. Extremely helpful - we did not understand the process and she guided us through.
We would not hesitate to ...Read Morerecommend her.Read Less
- Robert Davies, MallorcaMonday, March 12, 2018Very supportive and clear on producing a suitable divorce settlement. Efficient, understanding and professional.
- A.Kavanagh, GlasgowFriday, March 09, 2018Rosa was exceptional at helping me setting up my business abroad.
This was a big move for me and Rosa fully explained everything to me in detail so I had a full and clear understanding of the lega...Read Morel side of things as well as always promptly responding to any emails or questions I had.
I couldn't of asked for a better lawyer and I would 100% recommend Rosa to anyone who is deciding to move abroad.
Great service could not be happier.Read Less
- Patrick Martel, CanadaWednesday, March 07, 2018For being in another country and all our back and forth communicating over emails .. I thought Rosa did a brilliant job. Thankfully she was able to help where no one else was willing ..
- Robert Scott, UKWednesday, March 07, 2018First class service. Rosa's professionalism, advice and patience were all exemplary! Keep up the good work. Will certainly recommend the service to friends!
- Tamara Malcolm, MallorcaTuesday, February 20, 2018Rosa was and is extremely knowledgeable and helpful. Her advice was excellent and i will definitely be using her expertise again in the future.
- Andrew Bullen, UKFriday, February 16, 2018Rosa was very professional at all times when dealing with me. Her English was second to none and she always kept me informed of progress via email promptly.
I wouldn't hesitate to use Rosa in the ...Read Morefuture for any legal issues I have.
Read Less
- Keith Round, La Herradura, SpainMonday, February 12, 2018The advice provided was clear, easy to follow and allowed me to secure the required documentation from the Spanish Authorities quickly.
Rosa was very proactive in following up when I was delayed in...Read Moreproviding inputs and always delay with any questions promptly.
I would not hesitate to recommend Rosa to friends and colleagues and I would use her again in the futureRead Less
- SAG, Palma de MallorcaThursday, January 18, 2018Rosa was extremely helpful and really couldn't have done more. Will definitely use her services again.
- Tim Burley, MallorcaFriday, December 15, 2017A very strange phenomenon with lawyers in Spain - she was working for me rather than just trying to line her own pockets!
- Sarah Jane Kacomba, FatnhamThursday, December 14, 2017She was available almost every time I needed her, she responded to my request and promptly.
She went above and beyond for my case and I couldn't have done it without her help, a very complex leg...Read Moreal jurisdiction.Read Less
- Nigel Griffiths, UKWednesday, November 29, 2017My situation was complicated because the correct documentation was not done at the time of sale....
Rosa contacted the purchaser and arranged to receive all the information required to submit to th...Read Moree Spanish authorities.
Without Rosa, whose understanding of English (which was perfect),I would have had serious problems.We were kept informed at all stages of the process, by phone and e-mail.
I cannot recommend Rosa to highly,...she was fantastic.
Thank you Rosa.
Read Less
- Arthur & Patricia Chamberlain, Palma de MallorcaFriday, November 17, 2017Rosa understood what we wanted and carried out our instructions very professionally. Gave us confidence in her abilities.
- Bruce Moore, United KingdomTuesday, October 31, 2017Complete confidence and removed any hassle from the process. Even better was the willingness to provide follow up support and guidance. A great service!
- Graham & Josephine Flinders, UKThursday, October 26, 2017Rosa is a excellent lawyer and a extremely nice person, very efficient and helped us though the sale of our apartment.
It all went very smoothly and it was mostly down to Rosa who dealt with anyth...Read Moreing that came up in a very professional manner. Rosa explained all what was happening in English and always returned our calls with any answers to our questions.
Her fees are very very reasonable and we felt we got real value for money, we cannot recommend Rosa enough.she is a throughy nice approachable person.We would not hesitate using Rosa again and have recommended her to other people in majorca.Read Less
- Alex Alexandrov, Toronto, CanadaWednesday, October 18, 2017Rosa provided excellent service over and above what I paid for and helped me to resolve the dispute we had in the best possible way.
I would use her service again if needed and would recommend her ...Read Moreto my friends when time is right.Read Less
- Nick Boyd, ScotlandFriday, August 18, 2017Rosa was excellent. Very responsive and proactive throughout the property purchase process. She made it all very simple and stress free.
- JP, IrelandThursday, August 17, 2017From the outset, Rosa clearly explained the services.
Buying a property abroad is a daunting experience but she made it very easy to understand. Anything that Rosa said she would do/carry out was ...Read Moredone immediately. The whole process was carried out efficiently, effectively and without delays.
Without having met Rosa personally, her whole approach was friendly, professional and helpful. Any questions we had were answered promptly. We would highly recommend Rosa to any prospective clients.
When we finally met Rosa in person, she was lovely. We would have no hesitation in recommending Rosa.Read Less
- Michael Tenerife, UKMonday, August 07, 2017Rosa excelled in all of the criteria listed for evaluation.
Extremely responsive, understanding, professional, and offered great value for money. Rosa explained the situation clearly and provided ...Read Morethe clearest solution every time.
I just can't imagine how Rosa could have done more. Truly excellent service.Read Less
- Maya M, CanadaMonday, July 31, 2017My overall experience with Rosa was a positive one.
Value for the money? Yes.
In my opinion, Rosa is a very knowledgeable and professional lawyer, who is able to not only understand the situat...Read Moreion at hand, but also suggest different approaches and customized solutions for unique, non-standard situations, which was the case with me.
And for that I am really happy and grateful to have worked with Rosa, and wish her the very best in the future.Read Less
- Matt Hardy, Palma de MallorcaSunday, July 30, 2017From the start I found Rosa excellent.
Really helpful, bilingual, quick at getting back to me, punctual, really knows her stuff, and a lovely person to work with.
Would always use her again an...Read Mored highly recommend her.Read Less
- AK, MallorcaTuesday, July 18, 2017I rate Ms Rosa very highly on all the following: responsiveness, understanding, value for money, ability to explain and provide appropriate legal solutions, approachability and professionalism.
She...Read Moreis outstanding!Read Less
- Jesper Darville, CopenhagenMonday, June 26, 2017From the very beginning, Rosa was extremely accommodating and friendly and seemed truly interested in helping me solve my issue which in this case was in regards to the Spanish commercial law.
Also...Read Moreworth mentioning, is that Rosa is extremely effective which in the end can be seem on the bottom line.
I can't imagine anyone else but Rosa to handle my legal stuff on Mallorca, she's a keeper!Read Less
- N. Gardiner, MijasFriday, June 16, 2017Rosa was value for money, really easy to deal and very efficient. Highly recommend.
- Simon Drury, Porta PollençaTuesday, January 24, 2017Rosa was extremely professional and helpful and made the process of buying a property from the UK very simple.
Not only did she walk us through the Spanish legalities of the purchase but she also ...Read Morehelped us get our new home set up with utilities, furniture and even a car purchase. Rosa did everything so that when we arrived we could move straight in.
Without Rosa's help it would have taken us months and months to get through the legal system. I would highly recommend her services.Read Less
- Mark Watson, ScotlandWednesday, November 23, 2016Rosa was very professional.
She took time to explain problems and guided us thru a very difficult conveyance.
I would recommend Rosa to anyone that requires advice on selling a property. She is ...Read Morevery knowledgeable and fair with her charges.
I wished we had her helping us when we bought the property.Read Less
- Bart Cuyvers, BelgiumTuesday, November 22, 2016Rosa did a very good job for us. She was helpful, very professional and great to deal with!
Click to Call:
Spain: +34 971 098 980
Law and legislation can change over time and therefore it is important to have the knowledge, advice and support in place to avoid potential issues and problems when dealing with your Spanish estate. If you need a trusted and experienced English-speaking lawyer who is expert in the Wills and probate process for English-speakers in Mallorca, please do not hesitate to contact us.
We deal with the entire process, from the drafting of wills – in English and Spanish – through to the transmission of the estate to beneficiaries, including the registration of assets in the relevant registries on behalf of those beneficiaries.
What are the benefits of making a Will in Spain?
Making a Will in Spain that deals with your Spanish assets ensures that your wishes regarding those assets are complied with and avoids the possibility that Spanish law would apply.
A Spanish Will avoids the need for time-consuming legalisation and translation of English documents that could delay payment of inheritance taxes and incur punitive fines. All of the above means that your heirs are able to manage the inherited estate at a lower cost and in a much more straight-forward manner.
What should be included in a Spanish will
In order to ensure that your Spanish Will is fit for purpose it should contain a number of clauses:
- The Will should clearly state that it only applies to Spanish assets and not any other.
- Likewise, Wills made in any other country should state that they refer to assets only in that country to avoid any potential confusion as to which Will applies to which assets.
- The Will should declare that the law of succession in your country of origin is governed by the principle of free and unfettered disposition of private property and assets.
The process for making a will in Spain
The process for making a Will is relatively straightforward:
- Discuss how you wish your assets to be distributed with a lawyer in Spain
- The lawyer will write the content of the Will in accordance with your wishes
- The Will is then formally drawn-up by a public notary,
- An appointment is made with the notary to sign the Will
- The notary will provide you with a copy and notify the central civil registy office of the existence of the Will.
What should you avoid?
You should avoid any Will-writing service that does not provide you with a professional draughtsman.
While there is relative freedom of disposition of assets in Anglo-Saxon legal systems, for a Spanish Will to be effective it must comply with Spanish procedure. This means that it will need to be drawn-up by a notary and should therefore be written in Spanish in order to avoid confusion.
An English-speaking lawyer will be able to advise you on this as well as more complex issues such as the validity of trusts in Spain which could cause problems in certain cases.
Service Features
Would you like your will to be drawn-up in the most tax-friendly manner?
There are a number of ways that you can minimise the costs of an inheritance and these are incorporated into our Will-making service. The features of the service are as follows:
- You provide the lawyers with the details of the assets that you have in Spain as well as your wishes with regard to how they should be distributed.
- According to your wishes, your Will shall be drawn-up in such a way as to minimise any Succession tax liability in Spain.
- You will be provided with an estimate of the inheritance tax liability so that you can determine in advance whether the Will meets your requirements.
- The Will is drafted in both Spanish and English so that you can confirm that it conforms to your intentions
- The Will is drawn-up in the office of a public notary convenient to you.
- An appointment is made with the public notary to sign the Will and you will receive an official copy while another copy is sent to the central Wills registry in Madrid.
Code of Reasonable Fees
While this law firm is particularly suitable for managing Probate related issues faced by non-residents with assets in Spain, clients will not face elevated charges or fees as a result. Our clients can expect to receive a quotation that is at or below the recommended guideline prices by the Law Society of the Balearic Islands.
Free Support Services Included
When combined with the free and innovative Advocate Abroad support services you can be sure that you are obtaining completely transparent legal services from registered and regulated English-speaking lawyers in Spain. These support services include:
- Verification of the regulatory status of your lawyer.
- Fees as recommended by the Spanish Law Societies
- Legal fees specified in advance and legally guaranteed.
- Services levels agreed in advance and guaranteed.
- All lawyers must hold professional indemnity insurance.
- Lawyers' proficiency in English monitored.
- Continuous quality controls and reviews.


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AA Robot
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©1984-2018 Chick Publications, Inc. All rights reserved. Some portions of www.chick.com are copyrighted by others and reproduced by permission,. as indicated by copyright notices on individual pages.


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MANUSCRIPT: AC. Ink.
PUBLICATION: Home 431-432.
This draft was left among ED's own papers, and no one knows whether a fair copy was made or sent to the person addressed. That it was meant as a reply to one from him is shown by the allusion to his question. She may have had the Reverend Charles Wadsworth in mind as "Master."
dickinson/unknown correspondence main page | dickinson electronic archives main menu
Last updated on February 25, 2008


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Cash concerns blamed by karate boss for Olympic vote defeat
KEIR RADNEDGE / Sports Features Communications
LONDON/MADRID: World karate boss Antonio Espinós has accused the IOC's executive of putting financial consideration ahead of Olympic values in the decision on new sports for the 2016 Summer Games.
Espinos, president of the World Karate Federation, has addressed an open letter to the Olympic movement ahead of next month's Copenhagen Congress and Session. His concern was fuelled by the decision of the executive, on August 13 in Berlin, to propose rugby union sevens and golf for votes for inclusion in the 2016 programme.
The consequence of that decision, said Espinos, meant that "the Olympic programme faces in Copenhagen its first serious opportunity for change in 16 years."
Karate was one of five sports – along with baseball, roller sports, softball and squash - which had competed unsuccessfully for Olympic access.
Addressing the vote in the executive, Espinos said: "To overlook the possibility that the overruling consideration for acceptance in Berlin was income potential from sponsors and television rights rather than social benefits for youth and athletes associated with national federations that depend on inclusion into the Olympic programme for public funding is difficult.
"To reflect on the apparent values of the Olympic movement versus the actual priorities of its leadership tends to cause confusion and promote disillusionment with the Olympic ideal."
Espinos claimed that the voting patterns from the first vote, which chose rugby, suggested karate should have won the second vote. This subjective interpretation proved unfounded when the executive voted for golf instead.
He added: "Karate had a clear lead of votes for selection for the second sport . . . thus maintaining a balance between elitism and popularity in the two new additions to the Olympic programme. Yet a different outcome was announced only a few moments later. What precisely happened in Berlin?"
Espinos admitted in his letter to a sense of bitterness over the process while he acknowleged that the unsuccessful sports needed to "understand their deficiencies." However, he questioned also whether "they will ever have a genuine opportunity to be included in the programme."
Like several of the other sports' leaders, Espinos railed at the time and cost of entering a bidding process from which only two out of seven sports could emerge successful. He added: "The process has left several demoralised and financially exhausted federations, which have been forced to decelerate or even paralyse their solidarity programmes for years."
Arduous path
More controversially he suggested that over-arching financial concerns meant "no action they could have taken along this arduous path would have altered the final outcome." Hence, the other sports had wasted time, effort and money on campaigns which were always doomed to be proved futile.
The World Karate Federation has submitted a paper to the Copenhagen Congress proposing a means to "multiply by at least three the number of slots available [to be voted on] in 2013."
Espinos has also suggested that the so-called core sports should be subject to individual vote and that the IOC should consider increasing, not reducing or restricting, the number of Olympic sports.
He said: "Universal sports with millions of supporters and many inherent social values that are highly popular among the youth of underdeveloped, developing and developed countries must be given an opportunity to show how they add significant value to the Games.
"Such changes would help to reduce stagnation and the feeling permeating the non Olympic international federations that the rigidity of the system is what prevents their incorporation in the Olympic programme irrespective of their merits."
Such changes would, said Espinos, "also favour fair play and give the IFs the right impression that the IOC supports the concept of: 'Improve to enter, improve to stay.'"
Keywords · Espinos · World Karate Federation · 2016 Olympic Games · bid sports · Berlin · executive board · Copenhagen · rugby union · golf
For more information contact:
Laura Walden ()
All original materials contained in this section are protected by United States copyright law and may not be reproduced, distributed, transmitted, displayed, published or broadcast without the prior written permission of Sports Features Communications, Inc the owner of that content. It is prohibited to alter or remove any trademark, copyright or other notice from copies of the content.


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At Arturo's Pool Plastering we carefully select every material and product for each individual project. We only offer our clients the best quality and highly durable materials.
We accommodate your style and vision, with space potential and hundreds of re-plastering finishes to choose from. Whether you want pebble, quartz, beadcrete or traditional plaster we have all the resources to help you make the best informed decision to reflect your style. Not sure if you need new tile, coping or even a cool deck? Let our team of professional consultants guide in the process. They will assess your pool's surface, tile, coping, decking and equipment during a complimentary inspection. You can expect (a typical pool remodel will take 2-5 days, weather permitting of course).
Because we know how important this decision is and understand the value that it will add to your home or business we will help you find the perfect match for you and your budget. We have so many options that will surely turn a 20, 10, or 5 year old pool into an extraordinary work of art. Choose from all the possible additions such as waterfalls, creative lighting, tile mosaics, sconces, digital board systems, slides or diving boards all set to enhance your backyard into a fun filled environment.
We offer all of our customers a one year warranty on materials and labor, because we take great pride in making sure each project reflects your vision and is exactly what you wanted. Please contact us for more information.
Free Estimates on all Services
Tile & Coping
Pool Cleaning (Weekly/Monthly Maintenance)
Cool Decks
Acid Wash
Pool Repairs- Leaks, Underwater, etc.
Apartment Managers
Management Companies
Community Pools
Homeowners Associations
School Districts
Traditional plaster is the oldest and most common pool finish. White Cement and Marble Sand are combined with water to create the plaster for the pool's interior. Plaster installation is highly specialized and applied by true craftsman who trowel the plaster to a smooth finish. Arturo's Pool Plastering does not cut any corners with the materials that are used to produce the pool plaster. Arturo's Pool Plastering uses the best white high performance cement and the whitest and purest crushed marble sand available on the market today.
The materials used by Arturo's Pool Plastering for traditional white plaster pools are: Leehigh White Cement is a high performance white cement that contains a patented blend of natural pozzolans that create a dense plaster matrix. The increased cement strength and durability provide a long lasting pool finish. It is an exceptional 98% pure white pool sand that produces and unvaried look that is not marred with impurities. The final product is an attractive white finish.
The most common finish used on gunite pools is plaster and is the final step to complete your pool. Plaster gives the pool a smooth waterproof finish and provides a non-skid walking surface on the bottom of the pool.
Though most pools are finished in white plaster, a mixture of white cement and white marble dust, other colors are increasing in popularity and are available at an additional cost. To ensure long-lasting quality and a smooth finish, Arturo's Pool Plastering applies two coats of plaster which is then hand-troweled numerous times for the desired finish.
Upon completion of the plaster, your pool is filled immediately in order for the plaster to cure underwater. Shortly thereafter, your pool is ready for use providing many years of pleasure and enjoyment
Our thorough preparation of your pool insures that the new surface you choose will properly bond and adhere. Our stripping crews carefully remove the old plaster from your pool, leaving the original gunite shell clean and ready to receive the new surface material of your choice. Our crews take great care in cleaning and removing all construction materials from your property each day of the project. A thorough and final cleaning is administered at completion.
SGM Bond Kote is a specially formulated two part cementitious coating, designed to be used as an ideal substrate to mechanically bond pool plaster over existing plaster finishes.
Superior bonding capability
High flexural strength
Eliminates excessive substrate preparation
Virtually eliminates delamination problems
Saves labor and equipment costs
Provides even dry time while plastering
To view Diamond Brite Color Samples
Diamond Brite Finishes are blends of selected quartz aggregates and fortified white portland cement ideal for new or re-finished swimming pools. Available in a variety of colors and textures, Diamond Brite finishes are factory blended to provide the pool owner with an extremely durable and attractive alternative to traditional pool coatings.
Superior Bonding
High strength and rapid curing
Extremely etch resistant
Ease of application
Aggregate exposure easily controlled
Decorative tile is placed around the perimeter of each pool and, as you would expect, there are different qualities of tile. Because of this, most companies give you a "Tile Budget". If you select the most expensive tile, there will be additional charges. We DO NOT have a "Tile Budget", and you may select the tile you prefer from over 60 Arturo's Pool Plastering samples.
The placing of tile around your pool is a unique process and, when done properly, takes a full day. Using a mixture of concrete, the level of the pool is attained and the walls are smoothed. This mixture is then allowed to dry. Some people will try to speed up the drying process by putting dry Portland cement on the wet concrete. Arturo's Pool Plastering will not do this, as it creates air pockets in the mixture, thus weakening the tile base. Tile is then applied to this surfaces. In addition, we place Spot Tile on all steps (for an extra charge), benches and loveseats to ensure safety and create a more custom appearance. The final result is that your tile is applied in the proper and most effective manner, ensuring long life and durability.
One of the most important aspects of the construction of your pool is the installation of the decorative trim. If it is not done correctly, trim work will not provide you with the functional and aesthetic quality of a truly fine pool. Arturo's Pool Plastering uses only the very best, highly-skilled professionals available, which gives your pool a mark of distinction.
To view tile patterns available visit: www.mastertile.net/products/
The following describes the techniques used by Arturo's Pool Plastering:
Only top quality stone is used. Each stone is individually trimmed and set on a twelve inch footing or on the edge of the deck for support. The joint between each stone is then smoothed, giving it a more defined appearance.
Only top-quality brick are used and each joint is mitered so that every brick comes together in the desired manner. When retainer walls are required, they are constructed on previously poured concrete footings. Bricks are always placed in the back and front of the wall with a cap on top for the strongest and most attractive appearance.
One of the most important aspects of constructing a pool is decorative coping. If it is not done properly, a potentially great looking pool will have only an average appearance. In addition, if copings are not installed correctly, they will have a tendency to separate from the pool structure at the point where they are affixed. This is usually caused by ground movement and is not covered under warranty by most companies. Arturo's Pool Plastering uses a special technique to minimize this problem and we employ the very best masons in the pool industry to ensure that our strict standards of quality control are met.
To view coping options visit:
As your gunite or concrete pool begins to age, the plaster will require the occasional repair. Cracking, hollow spots, sometimes called "pop-ups", and chipping are not uncommon. As are wear spots in your pool plaster, when the plaster is worn away, and the gunite below the plaster is showing. Most of these pool plaster repairs can be done by you. With the right tools, the right materials, and a little know how, you can repair most small cracks and chips without too much effort. The following is a step by step guide to making typical pool plaster repairs.
Arturo's Pool Plastering is a family-owned business that has been in operation since 1993 and has more than 20 years of experience with pool remodeling and renovation services.
Have a question that is not addressed here? It's easy to get in touch with us.
Click here to contact us via e-mail. We look forward to hearing from you.


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Abohar to Amritsar KM
There are
( kilometers) between Abohar and Amritsar.
Abohar latitude and longitude / Amritsar latitude and longitude
The geographical coordinates of Abohar and Amritsar can be used locate the places in this globe, the latitude denote y axis and longitude denote x axis. Abohar is at the latitude of 30.14 and the longitude of 74.2. Amritsar is at the latitude of 31.64 and the longitude of 74.87. These four points are decide the distance in kilometer.
Abohar to Amritsar Travel time or driving time
It will take around
2 hours and 59 Minutes.
to travel from Abohar and Amritsar. The driving time may vary based on the vehicel speed, travel route, midway stopping. So the extra time difference should be adjusted to decide the driving time between Abohar and Amritsar.
Abohar to Amritsar bus fare
The approximate bus fare to travel Abohar to Amritsar will be 89.3. We calculated calculated the bus fare based on some fixed fare for all the buses, that is 0.5 indian rupee per kilometer. So the calculated fare may vary due to various factors.
Abohar KM
Kilometer from Abohar with the other places are available.
abohar to amritsar KM
abohar to chandigarh KM
abohar to muktsar KM
distance between abohar to amritsar page provides the answer for the following queries. How many km from Abohar to Amritsar ?.


text: Arts-and-Entertainment Powerball is a lucrative game, thats why many people want to get involve in playing it. But my problem with people is that they dont want to learn the rules of playing this game and they want to win it. You should know that to win powerball you must learn how to pick its winning numbers. And picking winning powerball numbers needs a good strategy because lotteries are games of strategy and a bit of luck. Talking about luck, it is also important because with luck anything could happen. To emerge as a powerball winner all your six numbers must comes out in the draw. I know that the price you can win in powerball jackpot is huge and tempting but you must first learn the secret of playing this game successfully. What is Powerball? Powerball is an American lottery game that uses two core drums for its draw. It has its first set of numbers from 1 to 55 in which you must pick five numbers from and the second set of numbers ranges from 1 to 42 in which you need to pick just one number from. That one number is your powerball. How do I play Powerball? To play powerball you must first buy your ticket. You cant win lottery without buying ticket. You ought to know that every player is potential winners. You need to pick 6 good numbers in order to win the jackpot. You need 5 white balls and 1 red balls, and if this done correctly with the number of the draw that means youre a winner! Who can play Powerball? Powerball is not restricted in any way, which means anybody can play it. You can also buy your ticket in any state that and win powerball jackpot. However, you want to play it buy you must be at least 18 years to be able to participate in this lucrative game. How to win Powerball? In order to win powerball many strategies have been played. Some people had luck with their strategy and some did not. But one thing that is certain is that you need to use good strategy to be able to boost your chances of wining. There lots of article online that talked about high and low numbers, hot numbers, cold numbers and even and odd numbers. All these strategy are good but you need to know how to use them effectively to emerge as a winner. But I have a guy that introduced me to one lottery system, and ever since. I have been using this system there is no regret. To get this awesome system click here and you could also win your next game. Now click here to get the best gist on how to pick winning numbers. For more information on how to beat your state lotteries, go to .tinyurl../mgukf9a About the Author: By: businesssolution93 – Costa Rica Corporation Lawyers are experts on maintaining, and assisting in the operations of Costa Rica Corporations. We have created this site to assist in educating … By: Kain Black – India is a huge country with a huge population. India has an ancient civilisation and has numerous languages. The flag of India is called the Tricolour. There are so ma … By: akansha tyagi – In other words, a perfect balance of peaceful serenity and modern conveniences the design layout of MJR Clique Hercules emphasizes on better light and ventilation. To s … By: Robert London – Hiring wedding vendors is a huge task and most Brides and Grooms do not have the experience in selecting which vendors would be best for their needs and budget. By: Boothlillian – When you venture out in your search for a cheap taxi service in London, you have an eye on the highest level of customer service which these .panies have to offer. By: businesssolution93 – Advancepest is the certified pest control .pany offering professional pest control and bed bug removal services in Burnaby, Richmond, Vancouver, Surrey & throughout t … By: businesssolution93 – Advance Pest Control is one of the best pets and ant control solution provider .panies in Tsawwassen, Abbotsford, Langley, Richmond, Surrey and entire Canada. Our mis … By: alexclark512 – A logo is identity of your business or .anization that directly impacts success or failure of your investment. In the following paragraphs I have clearly mentioned th … By: Elisa Dean – New music fans almost everywhere be aware that data really are wherever it's in. It truly is almost impossible to take into consideration by yourself an authentic enthu … By: businesssolution93 – Advancepest offers most effective ants & pest control services in and around Pitt Meadow, Port Moody, Richmond, Abbotsford, Tsawwassen, Port Coquitlam, Surrey. Enquire … 相关的主题文章:


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5 Simple Statements About Towing Explained
They typically have two concentrations that every maintain 3-five vehicles, ramps for shifting the cars and trucks from floor to either amount, and hook/chain ties and mounts to safe the cars for transport. Their beds, on Each and every stage, might have channels or tracks to guidebook loading and further retain transportation steadiness.
Early or Late Car or truck Drop Off is accessible for all towed in automobiles. Basically have your tow truck driver fall off your vehicle during non-business enterprise several hours and finish amongst our Service varieties outside the Workplace doorway.
They're the commonest preparations, but are in no way special, as you'll find flatbed models that offer a wheel-carry, boom vehicles that may Get well but not tow, and wheel-elevate units that supply a combination growth with sling.
Ways to Tow a Two-wheel-generate Car or truck In case you are planning to tow a two-wheel-push auto, you ought to learn the way to do it securely and without having harming the towed car's transmission. Good issue there is a number of selections accessible.
Towing a vehicle to be a sort of long length shipping, which include through its proprietor's shift to a new spot, in lieu of driving the vehicle
Lift flatbed – a growth employs a wheel-elevate body to raise the auto vertically and cargo it on the bed. Utilized in Europe, this truck can remove vehicles that are parallel-parked.
I used to be explained to to go there by a buddy. Wow. What an excellent store. My car ac / car ac required to be repaired. They did an awesome occupation and gave me a $50 di…
The woman that wrote the horrible critique parked her automobile around the aspect from the road On the market and was towed by DMV and the decision was dispatched by FHP. The …
How Rigid A-frame Tow Bars Do the job You're ultimately heading out on that extensive-awaited vacation. You've your RV plus your car or truck packed up. All you need is your rigid A-body tow bar to connect the two, and you also're willing to go.
27. SYNC® is surely an optional element. Do not push when distracted. Use voice-operated units when possible; Will not use handheld gadgets whilst driving. Some functions could possibly be locked out even though the auto is in equipment. Not all capabilities are suitable with all phones. Information and info premiums may possibly use. Optional Navigation Process map updates cannot be received through Wi-fi® and require a individual update. 28. The auto's weblink electrical technique (such as the battery), the wi-fi company service provider's sign and a connected mobile phone need to all be readily available and functioning for 911 Guide to operate effectively. These programs could develop into harmed in a very crash. The paired cell phone have to be connected to SYNC, as well as the 911 Help attribute enabled, in order for 911 for being dialed. When the aspect is ON, 911 Guide works by using your paired and connected mobile phone to aid occupants to Get in touch with crisis products and services by dialing 911 In the event your airbag deploys or, on selected cars, In the event the emergency fuel pump shut-off is activated. Aftermarket on-board diagnostic equipment could interfere with different automobile methods including Car or truck Overall health Report and 911 Help. To stay away from interference, take away the machine or Call the system maker for more information on compatibility. 34. Out there Attribute. SiriusXM audio and info services Just about every demand a membership sold independently, or being a package, by Sirius XM Radio Inc. If you decide to keep on assistance soon after your demo, the membership system you decide on will mechanically renew thereafter and you will be charged according to your chosen payment process at then-latest costs. Costs and taxes use. To cancel it's essential to contact SiriusXM at one-866-635-2349. See SiriusXM Buyer Agreement for total phrases at . All costs and programming subject to vary. Sirius, XM and all relevant marks and logos are emblems of Sirius XM Radio Inc. 39. Keep in mind that even Superior engineering can not get over the legal guidelines of physics. It is really constantly possible to lose Charge of a motor vehicle because of inappropriate driver enter for your ailments. 43. Android is often a trademark of Google Inc. apple iphone® is often a registered trademark of Apple Inc. The BlackBerry and RIM families of linked marks, visuals and symbols are the unique Homes and logos of Investigate In Movement Restricted. forty eight. You have to have a Bluetooth®-enabled cellular phone paired to the SYNC® method. The Bluetooth word mark can be a trademark with the Bluetooth SIG, Inc. HD Radio is actually a proprietary trademark of iBiquity Electronic Corp. iPad®, iPod®, iTunes®, apple iphone®, and Siri® are registered trademarks of Apple Inc. The expression Wi-Fi® is usually a registered trademark on the Wi-Fi Alliance®. Optional Navigation Procedure map updates cannot be obtained through wi-fi and need a separate update. Sony can be a registered trademark of your Sony Company.
With a certain amount of widespread perception and a company grasp on the basic principles, pulling a trailer can become just as schedule as driving to work.
Navigation systems have gotten more frequently accustomed to tell The placement (of stranded automobiles) to tow trucks. Computerized car or truck location (AVL) programs are occasionally utilized to help the dispatch Middle staff decide the closest tow truck.
Irrespective of whether you are towing trailers, boats or recreational automobiles, there are some basic safety regulations and rules that ought to be noticed. Begin to see the Towing Guidebook for all towing posts.
the way to Towing For a longer period - Gearing Up For that Prolonged Haul Profitable trailer towing is as much planning as it can be execution. You may be probably the most veteran in excess of-the-street truck driver, but If the rig isn't up on the task, you're not heading anyplace.


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Anywhere from the city to the rural areas, a lot of people agreed to the importance of installing garage doors. That's why it is necessary to have your garage door in perfect working state, including correcting all repairs at the earliest opportunity. Problems might come in ways we do not have a control over. This then leads to problems that needs repair services. It is better if garage doors are fixed by professionals themselves. Your search for the best company has never been easier.
Why? Because our group of garage door specialists will be at your doorstep same day. This is to render the services you need. Do not stress yourself out searching for garage door parts repair and installation for our company will provide you the best services on such concern. The happiness of our customers is a top concern, which is why we make sure that you will only receive the top services from our experts. From broken, damaged or malfunctioning garage door, we can be your best service provider. The repair and maintenance services that we provide are available to residential and commercial clients.
We are available 24 hours in 7 days. Day or night, we will be in your location. With us, you can make sure that the services you obtain are worth every penny you spend. Isn't cool? So, if you need our service do not hesitate to call us. We have highly trained and skilled garage door technicians to do the repairs, replacement and upkeep services.
Zipcodes: 25154,


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The other morning, on the Warrenton Waterfront Trail, I guess I was meditating while watching the flow of our mighty Columbia River, and this thought popped into my head. A philosopher a long time ago said, "you never step twice in the same river."
I got to thinking that every day, in fact every moment, is a brand new river, a never-before lived moment. When our steps are guided by our creator, who knows what adventure lies ahead? It will always be a brand new day, a never-lived-before moment, for we "never step twice in the same river."
"Behold, I make all things new" (Revelation 21:5). For it will always be new.
Jim Bernard


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Report Facebook Account
The Reporting Process
If somebody thinks your material stinks or that it breaches part of Facebook's regards to service, they can report it to Facebook's staff in an effort to have it removed. Users can report anything, from posts and comments to private messages.
Because these reports should first be taken a look at by Facebook's staff to prevent abuse-- such as individuals reporting something merely because they disagree with it-- there's a possibility that absolutely nothing will take place. If the abuse department decides your material is unsuitable, however, they will typically send you a warning.
Kinds of Consequences
If your content was found to break Facebook's guidelines, you might first get a caution through email that your content was deleted, and it will ask you to re-read the guidelines before publishing once again.
This typically happens if a single post or comment was discovered to offend. If your whole page or profile is found to include content against their rules, your whole account or page may be disabled. If your account is disabled, you are not always sent an e-mail, and may discover just when you try to gain access to Facebook again.
Regardless of exactly what takes place, you can not see who reported you. When it pertains to private posts being deleted, you may not even be told exactly what specifically was eliminated.
The e-mail will discuss that a post or remark was found to be in offense of their guidelines and has actually been removed, and advise that you read the guidelines again before continuing to publish. Facebook keeps all reports confidential, without any exceptions, in an attempt to keep individuals safe and prevent any attempts at vindictive action.
Appeals Process
While you can not appeal the removal of content or comments that have been erased, you can appeal a disabled account. Although all reports initially go through Facebook's abuse department, you are still allowed to plead your case, which is particularly essential if you feel you have been targeted unjustly. See the link in the Resources section to view the appeal form. If your appeal is rejected, nevertheless, you will not be permitted to appeal again, and your account will not be re-enabled.
What happens when you report abuse on Facebook?
If you come across abusive material on Facebook, do you push the "Report abuse" button?
Facebook has actually raised the veil on the processes it puts into action when one of its 900 million users reports abuse on the site, in a post the Facebook Safety Group released previously this week on the site.
Facebook has 4 teams who handle abuse reports on the social media. The Safety Team deals with violent and hazardous behaviour, Hate and Harrassment take on hate speech, the Abusive Content Group deal with scams, spam and sexually specific material, and finally the Gain access to Team assist users when their accounts are hacked or impersonated by imposters.
Plainly it is necessary that Facebook is on top of problems like this 24 hours a day, and so the business has based its support teams in 4 areas worldwide-- in the United States, personnel are based in Menlo Park, California and Austin, Texas. For protection of other timezones, there are likewise teams operating in Dublin and Hyderabad in India.
According to Facebook, abuse complaints are normally dealt with within 72 hours, and the groups can supplying assistance in as much as 24 various languages.
If posts are identified by Facebook personnel to be in conflict with the website's neighborhood requirements then action can be required to eliminate material and-- in the most major cases-- notify law enforcement companies.
Facebook has actually produced an infographic which reveals how the procedure works, and gives some sign of the variety of violent content that can appear on such a popular site.
The graphic is, sadly, too broad to reveal quickly on Naked Security-- but click the image below to view or download a larger version.
Of course, you shouldn't forget that just since there's content that you might feel is abusive or offending that Facebook's team will agree with you.
As Facebook explains:.
Due to the fact that of the variety of our community, it's possible that something could be disagreeable or disturbing to you without satisfying the requirements for being removed or obstructed.
For this factor, we likewise use individual controls over exactly what you see, such as the ability to conceal or silently cut ties with people, Pages, or applications that anger you.
To be frank, the speed of Facebook's growth has sometimes out-run its capability to safeguard users.
It feels to me that there was a greater focus on getting new members than respecting the personal privacy and safety of those who had actually already joined. Certainly, when I got death risks from Facebook users a couple of years ago I discovered the site's reaction pitiful.
I like to imagine that Facebook is now maturing. As the site approaches a billion users, Facebook likes to explain itself in regards to being one of the world's biggest nations.
Genuine nations invest in social services and other agencies to secure their citizens. As Facebook matures I hope that we will see it take even more care of its users, defending them from abuse and ensuring that their experience online can be as well secured as possible.


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|Class8TruckParts.com is your one stop shop for Genuine Volvo fuel caps. As many parts look alike, we recommend contacting us with your truck serial number if you are uncertain which part you need.
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Building the Right Environment to Support AI, Machine Learning and Deep Learning
A significant drawback for of Java is having many bodies participating in its design process, which leads to an inefficient, piecemeal evolution of specifications. Java specifications end up needing custom features before they're of any use. .NET's security is more streamlined and cohesive by comparison because its design and implementation are centralized. And unlike past Microsoft platforms, .NET shows evidence of having been designed with security demands in mind.
As the more mature technology, Java does offer more stability. Various enterprise Java products have been deployed, tested, and verified for years on multiple platforms by developers and users all over the world. Conversely, .NET just came into the world after about a year of extensive beta testing. Only now, after full release, will its architecture really be subjected to true field tests by the programming community at large, which inevitably will lead to the discovery of security design flaws and programming bugs.
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09-2018 2018, Volume 4, Issue 9
- 274-283 Awareness and Challenges of Stock Market in Bhutan
by Chimi Wangmo & Phuntsho Choden & Shelly Daly* & Rinchen Dorji
08-2018 2018, Volume 4, Issue 8
- 242-249 Balkans's Agriculture Value Chain. Current Point of View
by Elena Stavrova
- 250-257 Financial Liberalization and Money Demand in CEMAC: Evidence from GMM Estimations of a Dynamic Panel
by Prao Yao Séraphin
- 258-265 Impact of Financial Sector Development on Economic Growth: Evidence from Tanzania
by Emmanuel S. Mwang'onda* & Steven L. Mwaseba & David N. Ngwilizi
- 266-273 Transfer Pricing of Multinational Corporations and Macroeconomic Volatility: Evidence from the U.S
by Patrick Ofei* & Abieku Neizer-Ashun & George Owusu-Antwi & Evans Darnor Maka
07-2018 2018, Volume 4, Issue 7
- 197-213 Empirical Analysis of Key Drivers of Gender Equality in Tertiary Education Enrolment in Africa
by John C. Anyanwu
- 214-225 Exploring the Key Factors Influencing Consumers' Intention, Satisfaction and Loyalty towards Online Purchase in Bangladesh
by Afzal Hossain* & Md. Abdullah Al Jamil & Md. Masihur Rahman
- 226-234 Causality Between Valued Added Tax (VAT) and Nigerian Economy: An ECM Approach
by Nwaoha William Chimee* & Onwuka Onwuka Okwara & Ejem Chukwu Agwu & Ogbuewu Kalu James
- 235-241 Fighting Economic and Financial Crimes in Nigeria Using Forensic Accounting: The Moderating Effect of Technology
by Edori Daniel Simeon
06-2018 2018, Volume 4, Issue 6
- 159-164 Do Predictive Power of Fibonacci Retracements Help the Investor to Predict Future? A Study of Pakistan Stock Exchange
by Rana Zafarullah Shaker & Muzaffar Asad & Nabeeha Zulfiqar
- 165-170 Deconstruction of ROE: An Implementation of DuPont Model on Selected Bangladeshi Commercial Banks
by Md. Zahidur Rahman & Rubel Mia
- 171-179 Capital Accumulation and Labour Productivity Growth in Nigeria
by Ibukunoluwa Awotunde
- 180-187 An Empirical Analysis of the Determinants of Corporate Debt Policy of Nigerian Firms
by B. I. Ehikioya
- 188-196 Role of Corporate Governance in Firm "Performance and Ownership Structure†: Evidence from Listed Food Companies in Pakistan
by Tabinda Qureshi & Waqas Mahmood
05-2018 2018, Volume 4, Issue 5
- 99-106 Bank Capital and Credit Supply in Ivory Coast: Evidence from an ARDLBounds Testing Approach
by PRAO YAO Seraphin & Kamalan Eugène
- 107-114 The Socioeconomic Performance of Women in Parallel Trading and its Implications in Ethiopia, the Case of Dessie Town
by Sebsib Hadis
- 115-124 A Primer on Basic Concepts in International Economics: Measuring and Classifying Countries and Evaluating Strategies Employed By Companies Engaged In the Global Market
by Richard J. Hunter Jr. & Hector R. Lozada & John H. Shannon
- 125-130 Estimation of the Marshall-Lerner Condition and J Curve Dynamics for Turkey
by Ilyas Siklar & Merve Celik Kecili
- 131-144 Real Exchange Returns and Real Stock Price Returns in Nigeria: An Econometrics Analysis of the Direction of Causality
by Adewumi Otonne & Terzungwe Usar & Adebayo Adereni
- 145-158 Exchange Rate Fluctuation and Industrial Output Growth in Nigeria
by Dr. Akinmulegun Sunday O. & Falana Olajide E.
04-2018 2018, Volume 4, Issue 4
- 72-92 Modeling the Volatility and Forecasting the Stock Price of the German Stock Index (DAX30)
by Tristan Nguyen & Thi Thanh Mai Bui
- 93-98 Occurred Uncertainty by 'News' in Japanese Short- and Long-Term Financial Markets
by Yutaka Kurihara
03-2018 2018, Volume 4, Issue 3
- 56-63 Non-Linearity in Determinants of Corporate Effective Tax Rate: Further Evidence from Nigeria
by Yinka Mashood Salaudeen* & Rafiu Olayinka Akano
- 64-71 Does Devaluation of Turkish Lira Improve Merchandise Trade Deficit?
by Ali Mohammed Adem & Bengü Vuran
02-2018 2018, Volume 4, Issue 2
- 38-45 Exchange Rate Dynamics: The Overshooting Model (With Sticky Prices)
by Ioannis N. Kallianiotis
- 46-55 A Study on Operational Efficiency and Financial Strength of Indian Banking Industry
by S. Sirisha & P. Malyadri
01-2018 2018, Volume 4, Issue 1
- 1-6 Analysis of Ghana,s Imports and Exports
by Alice Constance Mensah & Ebenezer Okyere
- 7-12 Agriculture Public Expenditures and Growth: The Case of Togo
by Koffi Yovo
- 13-21 Government Intervention and Economic Development: Lessons from Songhai Development Initiative Farm in Rivers State, Nigeria
by Agbarakwe, Ugochukwu Henry & Anowor, Oluchukwu F
- 22-29 What Determines The Financing Supply of Islamic Banks? A Multicountry Study
by Shakeel Riaz & Dr. Talat Hussain
- 30-37 On the Measurement of Overconfidence: An Experimental Study
by Markus Spiwoks & Kilian Bizer
12-2017 2017, Volume 3, Issue 12
- 323-331 Governance and Economic Growth in Africa
by Mossadak Anas
- 332-345 Accession to World Trade Organization and its Implications for Trade Diversification and Economic Activity: Evidence from Saudi Arabia
by Fayq Al Akayleh
11-2017 2017, Volume 3, Issue 11
- 240-245 Asymmetric Impact of Exchange Rate Changes on Stock Prices: Empirical Evidence from Germany
by Nadia Anjum & Niaz Hussain Ghumro & Bisharat Husain
- 246-256 History of Look-To-The-East Idea: South Korea Interests in the Socio-Economic Development of Malaysia
by Uqbah Iqbal
- 257-271 Willingness of Local Rice Producers to Supply and Participate in the Ghana School Feeding Programme Market: A Case Study of Selected Districts in Northern Ghana
by Chiaraah Anthony & Mahama Inusah
- 272-281 Prudent Macroeconomic Management for Poverty Reduction and Sustainable Development in Nigeria
by John N.N. Ugoani
- 282-288 The Impact of Exchange Rate Volatility on Hospitality Industry – A Study in Lusaka Province of Zambia
by Syed Ali & Christopher Nsenje
- 289-297 Fair Value Accounting and Earnings Predictability of Listed Deposit Money Banks in Nigeria
by Joel Ubaka Uyanna & Tesleem Adeyemi & Ibrahim Yusuf
- 298-302 Risk Management and Performance of Islamic Banks: Using the Income of Mudharaba and Musharaka as a Moderator
by Vatimetou Mokhtar Maouloud & Ghazi Zouari & Anwar Hassan Abdullah Othman
- 303-314 An Empirical Evaluation of Hedging Effectiveness of Crude Palm Oil Futures Market in Malaysia
by Mohd Aminul Islam
- 315-322 Beyond the Accelerating Inflation Controversy: The Jerk and Jounce Price Variation
by Giovanni Bella
10-2017 2017, Volume 3, Issue 10
- 197-201 Exploiting Uncovered Interest Rate Parity Failure Using Russian Ruble
by Musaed S. AlAli & Mansour M. AlShamali & Tariq M. Bin-Ghaith & Ahmad Y. Bash & Abdullah M. AlAwadhi
- 202-205 Globalization, Trade, and Interdependence
by Hany H. Makhlouf , Ph. D
- 206-217 Implications of Exchange Rate Fluctuation and Economic Performance: The Nigerian Experience
by Penu, Samuel Lucky & Nkanbia-Davies, Lilian Okorite
- 218-239 Tests of Efficiency in the Foreign Exchange Market
by Ioannis N. Kallianiotis
09-2017 2017, Volume 3, Issue 9
- 157-15-172 Impact of Index Options on Emerging Market Volatility: The Case of the Malaysian Equity Market
by Md. Mohibul Islam & Anisul M. Islam
- 173-181 An Empirical Study: Financial-Market Imperfections and Investment
by ByungWoo Kim
- 182-196 International Capital Flows and Inclusive Growth in Nigeria
by Ewubare, Dennis Brown & Ozigbu, chukwuma Johnbosco
08-2017 2017, Volume 3, Issue 8
- 114-118 Analysis of Japan s Economic Growth Under the Condition of Extroversion Economy
by Wang Tao & Ding Zhuqing
- 119-129 An Error Correction Model Analysis of the Effect of Total External Debt on the Nigerian Economy (1980–2015)
by Nwaoha, William Chimee & Ejem, Chukwu Agwu & Egwu, Charles Chukwudinma & Ugoji-Eke, Patience Nnenna & Nwabeke, Chidinma Elizabeth
- 130-148 Trend Analysis of Consumer Price Index: Useful Lessons for Business Decision Making in Ghana?
by Joseph Kofi Nkuah & Eric Berko & Clement Nangpiire
- 149-156 Trend Changes in Stock Prices of Petrochemical Firms in the A-Share Market, China
by Gaolu Zou
07-2017 2017, Volume 3, Issue 7
- 98-109 Foreign Capital Distribution in Nigeria: Policy Implications for the Agricultural Sector
by John O. Udoidem
- 110-113 An Empirical Investigation of the International Fisher Effect: Mexican Peso and United States Dollar
by Hossein Varamini & Jason Clough & Madison McCall
06-2017 2017, Volume 3, Issue 6
- 76-90 Transmission Effect of the Interaction between Parallel and Official Foreign Exchange Markets in Nigeria
by Ogbulu, Onyemachi Maxwell & Torbira, Lezaasi Lenee
- 91-97 Empirical Appraisal of Poverty-Unemployment Relationship in Nigeria
by Okorie, George Chisom & Anowor, Oluchukwu F.
05-2017 2017, Volume 3, Issue 5
- 54-64 How Stable is the Money Demand in Taiwan?
by Chen-Huan Shieh & Shou-Hsiang Liu & Chung-Ching Lee
- 65-75 Examination of the Impact of National Economic Empowerment and Development Strategy on Poverty Reduction in Nigeria
by John N. N. Ugoani
04-2017 2017, Volume 3, Issue 4
- 39-43 Impact of Environmental Factors on Foreign Exchange Fluctuations in Nigeria
by Akinyede O. M. & Iriobe G. O. & Afolabi T. S. & Eniola O. A.
- 44-53 Effect of Aggregated and Disaggregated Public Spending On the Nigerian Economy (1980-2015)
by Nwaoha, William Chimee & Onwuka, Onwuka Okwara & Ejem,Chukwu Agwu
03-2017 2017, Volume 3, Issue 3
- 19-30 Evaluation and Measurement of the Internal Performance of the Civil Regime of the Moroccan Pension Fund
by Latifa Aitoutouhen & Faris Hamza
- 31-38 Comparing the Economic Structure and Carbon Dioxide Emission between China and Vietnam
by Bui Trinh & Pham Le Hoa
02-2017 2017, Volume 3, Issue 2
- 8-18 Weekend Effect and Short Sales: Evidence from Hong Kong
by Jinghan Cai & Jibao He & Le Xia & Weili Zhai
01-2017 2017, Volume 3, Issue 1
- 1-7 Structural Determinants of Poverty in Pakistan
by Noman Arshed & Shahjahan Alamgir & Osama Aziz
12-2016 2016, Volume 2, Issue 12
- 215-225 Influence of Merger and Acquisition as Survival Strategy and Return on Asset Evidenced From the Nigerian Banking Industry
by Olaoye S. A. & Adekoya A. A. & Olayinka I. M.
11-2016 2016, Volume 2, Issue 11
10-2016 2016, Volume 2, Issue 10
- 176-182 Economic Growth of Nigeria: Does Oil Revenue Matters?
by Musa Adeiza Farouk & Bashir Mohammed Nafiu & Aliyu Saidu
- 183-191 Economic Impact of Climate Change on Wheat and Cotton in Major Districts of Punjab
by Noman Arshed & Shukrillo Abduqayumov
09-2016 2016, Volume 2, Issue 9
- 161-168 Examining the Relationship between Term Structure of Interest Rates and Economic Activity in Namibia
by Johannes Peyavali Sheefeni Sheefeni & Teresia Kaulihowa
- 169-175 The Journey to Financial Inclusion in Malawi- What Does the Future Hold?
by Byson Beracah Majanga
08-2016 2016, Volume 2, Issue 8
- 148-154 Sustainable Development Goal 4 and the Quality of Education in Zambia
by Syed Ali & Urooj Afshan Jabeen
- 155-160 Can the Disparity between GDP and GDP Forecast Cause Economic Instability? The Recent Japanese Case
by Yutaka Kurihara
07-2016 2016, Volume 2, Issue 7
- 132-139 VAT Compliance Challenges in Ghana and How to Address Them
by Boadu Ayeboafo
- 140-147 Financial Reporting Quality on Investors' Decisions
by Nwaobia A. N. & Kwarbai J. D. & Jayeoba, O. O. & Ajibade A. T.
06-2016 2016, Volume 2, Issue 6
- 104-126 Optimal Discretionary Monetary Policy in A Potential Zero Lower Bound Framework
by Séverine Menguy
- 127-131 The Relationship between Interest Rate and Economic Growth in Nigeria: An Error Correction Model (ECM) Approach
by Lyndon M. Etale & Peter E. Ayunku
05-2016 2016, Volume 2, Issue 5
- 79-98 Non-Maturity Deposit Modeling in the Framework of Asset Liability Management
by Saâd Benbachir & Mohammed Mehdi El Hamzi
- 99-103 Testing the Existence of Lead-Lag Effects in the Hong-Kong Stock Market
by Latifa Fatnassi Chaibi
04-2016 2016, Volume 2, Issue 4
- 65-73 Loans Default and Return on Assets (Roa) In the Nigerian Banking System
by Olawunmi Omitogun & Deji Olanrewaju & Yimka S. A. Alalade
- 74-78 Bank Credits to Agricultural and Manufacturing sectors and Economic Growth in Nigeria, 1970 – 2013
by Ipalibo Watson Sogules & Emeka Nkoro
03-2016 2016, Volume 2, Issue 3
- 41-54 Asset Quality Management and the Performance of Deposit Money Banks in Nigeria: A Co-integration and Variance Decomposition Analysis
by Eze, Gbalam Peter & Ogbulu, Onyemachi Maxwell
- 55-64 The Financial Determinants of Corporate Cash Holdings: An Empirical Examination of Tunisians Listed Firms
by Basty Nadia
02-2016 2016, Volume 2, Issue 2
- 16-32 The Economic History of Alexander the Great Expedition
by Ioannis N. Kallianiotis
- 33-40 Impact of Oil Price Volatility on Macroeconomic Variables and Sustainable Development in Nigeria
by Eneji Mathias Agri & Mai-Lafia Dimis Inusa & Nnandi Drenkat Kennedy
01-2016 2016, Volume 2, Issue 1
- 1-7 Credit Scoring of Turkey with Semiparametric Logit Models
by Tugba Day?oglu
- 8-15 Ahead in Competition through SWOT Model: Banking Industry Perspective
by Mohammad Solaiman & Mohammad Abul Kashem
12-2015 2015, Volume 1, Issue 9
- 123-130 Analyzing the Working Capital Management on Company's Performance a Case Study of Chemical Sector Listed in KSE
by Nisar Ahmad Bazmi & Muhammad Ilyas
11-2015 2015, Volume 1, Issue 8
- 106-112 Strategies for Enhancing Student Enrolment in Home Economics Education in Tertiary Institutions in Edo State
by (Mrs) Bridget E. Uwameiye
- 113-122 Infrastructural Decay in Sub-Saharan Africa: Evidence from the Nigerian Manufacturing Sector
by Ishola R. Akintoye & Adegbemi Onakoya & Benita Amos & Ifayemi M. Olayinka
10-2015 2015, Volume 1, Issue 7
- 97-105 Export Trade and Economic Growth in Malawi: A Disaggregated Approach
by Fanwell Kenala Bokosi
09-2015 2015, Volume 1, Issue 6
- 85-89 Operationability of Mobile Banking in Nigeria: An Evidence from Ebonyi State
by Basil Uche Onwe
- 90-96 Nonlinear Effect of Exchange Rates on Trade Balance: A Recommendation for Emerging Countries' Exchange Rate Policy
by Mon-Li Lin & Tze-Wei Fu
08-2015 2015, Volume 1, Issue 5
- 65-75 Real Exchange Rates and Real Interest Rates Differential: Evidence from Nigeria
by Umar Bida Ndako & Mobolaji Hakeem I.
- 76-84 Leaveraging Foreign Direct Investment In Nigeria Through International Securitization
by Uche B. Onwe
07-2015 2015, Volume 1, Issue 4
- 50-56 Government Expenditure and Economic Growth in Nigeria, 1981-2013: A Bound Testing Approach
by Aiyedogbon J.O. & Ohwofasa, B.O. & Anyanwu S.
- 57-64 A Multivariate Causal Relationship among Road Transport Infrastructure Development, Economic Growth and Poverty Level in Nigeria
by Oladipo S.O. & Olomola P.A.
06-2015 2015, Volume 1, Issue 3
- 35-40 Impacts of Variables on Returns and Risk of the Securities Listed on Vietnamese Stock Market
by Nguyen Anh Phong & Nguyen Ngoc Huy & Ngo Phu Thanh
- 41-49 Improving Smallholder Farmers Access to Finance Through Warehouse Receipt System in Tanzania
by William J. G. & Kaserwa N.
05-2015 2015, Volume 1, Issue 2
- 13-23 Information Content of Dividend Announcement: Analysis of the Oil and Gas Sector in Nigeria Using Event Studies and Back Testing
by Aik Nai Chiek & Mfon N.U. Akpan
- 24-34 Analytical Investigation of Financial Planning and Control Practices: A Case Analysis
by K. Sivakumar
04-2015 2015, Volume 1, Issue 1
- 1-5 Are Size and January Effects Related? Evidence from the Tunisian Stock Exchange
by Olfa Chaouachi & Fatma Wyème Ben Mrad Douagi
- 6-12 Forecasting Iron Price by Hybrid Intelligent System
by Vida Varahrami


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January Crisis – Diets, Debts and NHS
The first week back at work after Christmas always features me listening to radio phone in shows where people are taking advice on debt and diets or bemoaning the demise of the National Health Service. It's like Groundhog Day is the first week of January.
At Christmas, I am led to believe, we spend too much money on presents and eat too much, so come New Year, we are fat and in debt, particularly if we were poor and in debt in the first place. This is based on the statistic that people with a low income spend more on their children at Christmas than more affluent folk. Mad isn't it, but I don't suppose people get rich by being carefree with money?
I can understand the getting fat bit, as I have been eating and drinking too much since my 50th birthday in November. I finally stopped on New Year's Day before I turned into a lump of Mexicana cheese with a truffle on top. I am trying to clean up my act as I now feel heavy. It's my own doing; there is no one else I can blame.
And that's what gets me, the fact that I can only see a lack of personal responsibility in all this. People act as if though these issues are out of their hands and the only way to solve them is to take up emergency help from psychologists, debt management experts and dieticians who are all cashing in.
Let's be honest here, there are three proven steps to help rid yourself of these issues.
Debt: Don't buy presents on credit cards if you can't afford to pay it back
Diet: Trying burning off the calories you consume by exercising more (I have to do this now!)
NHS crisis: Stop going to the doctors when there is nothing wrong with you
Yes, yes, yes, I know, the issues with the NHS run a lot deeper than that, especially with regards to underfunding and private companies swarming all over it like wasps around a pint of cider. However, if it is the national treasure people claim it to be, why do they abuse it so badly by missing appointments or turning up at A&E with a head cold?
Also, if people didn't buy shit food or things they can't afford and burnt off more calories instead, they would feel less depressed, therefore less likely to be taking antidepressants and becoming another statistic in a country rattling to death with subscription pills.
The awful deterioration in mental health is, in my opinion, linked to physical well-being and trying to keep up with uber-capitalism and the borrowing/spending frenzy that it causes amongst folk who are living in a state of perpetual fear of not having a car or a conservatory as big as the smug bastard next door.
Somehow, we need to get people educated out of this spiral of unhappiness but the problem is that the people pushing this crap food and antidepressants as well selling the debt to people who can barely afford it, are getting extremely rich from proletarian ignorance, so why would they want education to halt their gravy train (or burger, chips and a donut train)?
I reckon that if people were taught that it is quite clever to eat and drink healthily, exercise regularly, and only spend what is in their bank account, the obesity and mental health crisis would halve within a couple of years and the NHS would benefit accordingly.
However, the conspiracy theorist in me believes that there is a lot of money in health. The less healthy people are puts a strain on a service that is free at the point of delivery, thus leaving it open to a campaign to justify privatisation.
As I said, there is a lot of money to be made from privatising health and a lot of people wishing for it are entrenched in the establishment.
It's like we are slowly killing ourselves to make a few private investors very rich out of a health crisis.
Ask Richard Branson.
*I know that mental illness is incredibly complex, however, bad diet and overspending doesn't help.


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How to choose a dating site name
From finding the best dating site, protecting your digital privacy, all the way up to that first date, weve got you covered. Step 1. Choosing the right site. Does the site provide the name of a real person, or at least a phone number to contact if.
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Unions Joining in the Anti-Wall Street Protests
Members from a growing number of many different unions are arriving to show support for this protest in the financial district around Wall Street, as can be seen in this clip from ABC News. Read more »
Congressional panel approves Stillwater bridge plan
(from Minnesota Public Radio)
A congressional committee gave the green light Wednesday to a $700 million plan to replace the aging lift bridge in Stillwater. The bill to allow construction of a replacement bridge easily passed the House Natural Resources Committee. The National Parks service has ruled the bridge would violate the National Wild and Scenic Rivers Act, and Rep. Rush Holt, D-New Jersey, cited that in making a veiled criticism of the bridge bill's sponsor, Rep. Michele Bachmann, R-Minn. Read more »
Nebraska LIUNA Members Fight to Unlock Keystone XL Jobs
Hundreds of members of LIUNA – the Laborers' International Union of North America – stood together on September 27 in support of unlocking thousands of jobs in Nebraska through construction of the Keystone XL pipeline, which would provide a desperately needed boost to the state's struggling working families.
Nebraska LIUNA members voiced their strong support for the project Tuesday at a public hearing held by the U.S. State Department. Members outside the hearing also rallied in favor of unlocking thousands of good jobs. Read more »
Secretary of Labor Solis in Minneapolis at the 10th Ave Bridge
Secretary of Labor Hilda L. Solis visited with construction workers, politicians, and business leaders at the 10th Avenue Bridge in Minneapolis on Thursday, Sept. 29 She was in Minneapolis to discuss the American Jobs Act's impact for Minnesota's economy and the state's workers. She also addressed a national young workers conference hosted by the AFL-CIO to discuss what the president's plan means for youth, college students and young professionals. Read more »
U.S.Transportation Secretary LaHood at the historic Union Depot Station
On Monday, Sept.19, U.S. Transportation Secretary Ray LaHood and Federal Transit Administrator Peter Rogoff visited Minnesota in support of President Obama's American Jobs Act and called on Congress to make significant investments in job-creating transportation projects across the country like the currently underway Central Corridor Light Rail project. Read more »
AFL-CIO Building Investment Trust Honors over 150 Workers at Flux Apartments
The AFL-CIO Building Investment Trust (BIT) and Greco Development LLC recently held an appreciation luncheon to honor union workers at the Flux Apartments' construction site in the Uptown neighborhood of Minneapolis. Over 150 workers, all members of unions affiliated with the Minneapolis Building and Construction Trades Council, were in attendance. Guests were also joined by national and local labor leaders who recognized the BIT for its commitment to job creation in the area and praised the workers for their skill and professionalism. Read more »
Oil Sands hearing on September 29: Get on the bus!
Building Trades' presence is critical for a hearing in Pierre, South Dakota, about the proposed Keystone XL project. As with everything, those who show up, win. And if we do not show up, this pipeline- and a refinery project that depends on it-means the loss of 20,000 jobs. Read more »
Impact of Construction Jobs in Minnesota
Policymakers need to start finding a way to get our economy moving again. The construction industry presents, in the words of corporate America, a large ROI (return-on-investment). Putting construction workers to work stimulates the economy not only by injecting wages into it and thereby increasing consumer demand, but it eases the burden on social welfare and unemployment systems.
To see the economic impact of the consrtruction industry, lets look at some facts. Read more »
The History of Labor Day
Labor Day, the first Monday in September, is a creation of the labor movement and is dedicated to the social and economic achievements of American workers. It constitutes a yearly national tribute to the contributions workers have made to the strength, prosperity, and well-being of our country.


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Library News
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Watch videos of children's stories being read aloud by fantastic, predominantly Australian and New Zealand storytellers.
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Join our Board Games Club at Rolleston Library to play a variety of exciting games.
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