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The Star Tribune's Restaurant of the Year award celebrates the work of a restaurant that opened — or was substantially altered — during the previous 12 or so months. Past honorees include:
2016: Upton 43 (closed)
2015: Spoon and Stable
2014: Brasserie Zentral (closed)
2013: Burch Steak and Pizza Bar
2012: Butcher & the Boar
2011: The Bachelor Farmer
2010: Piccolo (closed)
2009: Bar La Grassa
2008: Manny's Steakhouse
2007: Brasa, Heidi's Minneapolis (closed) and Saffron Restaurant & Lounge (closed)
2006: Midtown Global Market, Mill City Farmers Market, Town Talk Diner (different ownership), Chambers Kitchen (closed), Masa (closed), Copper Bleu (closed)
2005: 112 Eatery
2004: Al Vento, A Rebours (closed), Corner Table (different ownership)
2003: Solera (closed)
Chefs of the Year
The Star Tribune's Chef of the Year award acknowledges the outstanding work of a Twin Cities chef. Past honorees include:
2016: Steven Brown, Tilia and St. Genevieve
2015: Jorge Guzman, formerly of Surly Brewing Co.
Address book
Al Vento, 5001 34th Av. S., Mpls., 612-724-3009, alventorestaurant.com
The Bachelor Farmer, 50 2nd Av. N., Mpls., 612-206-3920, thebachelorfarmer.com
Bar La Grassa, 800 Washington Av. N., Mpls., 612-333-3837, barlagrassa.com
Bellecour, 739 Lake St. E., Wayzata, 952-444-5200, bellecourrestaurant.com
Brasa, 600 E. Hennepin Av., Mpls., 612-379-3030 and 777 Grand Av., St. Paul, 651-224-1302, brasa.us
Burch Steak and Pizza Bar, 1933 Colfax Av. S., Mpls., 612-843-1515, burchrestaurant.com
Butcher & the Boar, 1121 Hennepin Av. S., Mpls., 612-238-8888, butcherandtheboar.com
Manny's Steakhouse, 825 Marquette Av. S., Mpls., 612-339-9900, mannyssteakhouse.com
Midtown Global Market, 920 E. Lake St., Mpls., 612-872-4041, midtownglobalmarket.org
Mill City Farmers Market, 2nd St. and Chicago Av. S., Mpls., 612-341-7580, millcityfarmersmarket.org
112 Eatery, 112 N. 3rd St., Mpls., 612-343-7696, 112eatery.com
Pizzeria Lola, 5557 Xerxes Av. S., Mpls., 612-424-8334, pizzerialola.com
St. Genevieve, 5003 Bryant Av. S., Mpls., 612-353-4843, stgmpls.com
Spoon and Stable, 211 N. 1st St., Mpls., 612-224-9850, spoonandstable.com
Tilia, 2726 W. 43rd St., Mpls., 612-354-2806, tiliampls.com
Young Joni, 165 13th Av. NE., Mpls., 612-345-5719, youngjoni.com
StarTribune.com welcomes and encourages readers to comment and engage in substantive, mutually respectful exchanges over news topics. Commenters must follow our Terms of Use.
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In US law, a payday lender can use only the same industry standard collection practices used to collect other debts, specifically standards listed under the Fair Debt Collection Practices Act (FDCPA). The FDCPA prohibits debt collectors from using abusive, unfair, and deceptive practices to collect from debtors. Such practices include calling before 8 o'clock in the morning or after 9 o'clock at night, or calling debtors at work.[31]
In May 2008, the debt charity Credit Action made a complaint to the United Kingdom Office of Fair Trading (OFT) that payday lenders were placing advertising which violated advertising regulations on the social network website Facebook. The main complaint was that the APR was either not displayed at all or not displayed prominently enough, which is clearly required by UK advertising standards.[25][26]
Applying for a cash loan is easy, and can be totally secure. Applicants for cash loans must complete an online application. Underwriting is completed by underwriters and automated systems, and the applicant is notified in writing of the decision to approve or decline the loan. With RISE, cash loan customers get their money as soon as next business day.*
For the banks, it can be a lucrative partnership. At first blush, processing automatic withdrawals hardly seems like a source of profit. But many customers are already on shaky financial footing. The withdrawals often set off a cascade of fees from problems like overdrafts. Roughly 27 percent of payday loan borrowers say that the loans caused them to overdraw their accounts, according to a report released this month by the Pew Charitable Trusts. That fee income is coveted, given that financial regulations limiting fees on debit and credit cards have cost banks billions of dollars.
A streamlined and quick application process leads to an instant credit decision. Submit the application and get a yes or no right away. Good credit is not a loan requirement. An instant decision means you'll know about your loan right away, so you'll have time to pursue alternatives if you don't get approved. All you need to get started is
DeYoung, along with three co-authors, recently published an article about payday loans on Liberty Street Economics. That's a blog run by the Federal Reserve Bank of New York. Another co-author, Donald Morgan, is an assistant vice president at the New York Fed. The article is titled "Reframing the Debate About Payday Lending."
You'll also want to keep in mind that Check `n Go is ready to help with your other financial needs – like check cashing, the Netspend prepaid debit card and Western Union Financial Services. You should be enjoying California life – not worrying about bills. Take control of your finances with Check `n Go. Apply online today or start your store application now and finish in-store. To apply for a loan, you will need at least a valid ID, proof of income, an active checking account and a working phone number. Before applying at a store, it's a good idea to call first and confirm what you'll need. Our friendly associates will be glad to help!
A cash advance provider who follows the CFSA best practices, as Allied Cash Advance does, will give all customers the right to rescind, or return, a payday loan within a clearly stated, limited time frame.
"Say, don't you know this business is a blessing to the poor?" So said Frank Jay Mackey, who was known as the king of the loan sharks in Chicago at the turn of the 20th century, according to Quick Cash, a book about the industry by Robert Mayer, a political-science professor at Loyola University Chicago. There are many parallels between the early-20th-century loan sharks and today's payday lenders, including the fact that both sprang up at times when the income divide was growing. Back then the loans were illegal, because states had usury caps that prevented lending at rates much higher than single digits. Still, those illegal loans were far cheaper than today's legal ones. "At the turn of the twentieth century, 20% a month was a scandal," Mayer writes. "Today, the average payday loan is twice as expensive as that."
Payday lenders do not compare their interest rates to those of mainstream lenders. Instead, they compare their fees to the overdraft, late payment, penalty fees and other fees that will be incurred if the customer is unable to secure any credit whatsoever.
Cash advances in Texas are made by Integrity Funding Texas Limited Partnership or NCP Finance Limited Partnership. Credit approval is subject to the applicable lender's credit standards. Actual loan terms (including maximum advance amount) may vary by applicant. Additional fees may apply if not repaid as agreed. Each lender requires certain supporting documentation with each new application. Complete disclosures of APR, fees, and payment terms are provided with each advance and are available from the lenders. For cash advances in Texas, applicant must retain Check 'n Go as a credit services organization.
The Financial Conduct Authority (FCA) estimates that there are more than 50,000 credit firms that come under its widened remit, of which 200 are payday lenders.[58] Payday loans in the United Kingdom are a rapidly growing industry, with four times as many people using such loans in 2009 compared to 2006 – in 2009 1.2 million people took out 4.1 million loans, with total lending amounting to £1.2 billion.[59] In 2012, it is estimated that the market was worth £2.2 billion and that the average loan size was around £270.[60] Two-thirds of borrowers have annual incomes below £25,000. There are no restrictions on the interest rates payday loan companies can charge, although they are required by law to state the effective annual percentage rate (APR).[59] In the early 2010s there was much criticism in Parliament of payday lenders.
Race Matters: The Concentration of Payday Lenders in African-American Neighborhoods in North Carolina, by Uriah King, Wei Li, Delvin Davis and Keith Ernst, The Center for Responsible Lending (March, 2005).
IMPORTANT: The information you provide is used to match you with a third party payday loan lender in our network. Easy Online Payday Loan and its affiliate lenders may verify personal information and past loan transactions during the loan approval process. Not all applicants will qualify for the faxless loan approval process or the loan amount requested. Refer to our Privacy Policy for additional information. Source: http://www.nofaxquickcashadvance.com.
Now, we should say, that when you're an academic studying a particular industry, often the only way to get the data is from the industry itself. It's a common practice. But, as Zinman noted in his paper, as the researcher you draw the line at letting the industry or industry advocates influence the findings. But as our producer Christopher Werth learned, that doesn't always seem to have been the case with payday-lending research and the Consumer Credit Research Foundation, or CCRF.
If you don't have all of your information handy when you begin your application, don't worry! Once you complete the first form, which asks for basic information such as name, email and home address, you will have an account with CashNetUSA, so you can leave and return later to finish your application.
When Britain threw out 23 Russian diplomats in response to an assassination attempt on Russian agent Sergei Skripal, Vladimir Putin, the president of Russia and current bad boy of modern geopolitics, shrugged it off. With relations between London and Moscow so strained, the embassy didn't have all that much to do, anyway. The cost, Putin no doubt felt, was predictable and bearable. Then on Monday, 20 additional countries, from Albania to Ukraine, joined in a coordinated expulsion campaign, with the United States accounting for 60 of the Russians sent packing. On Tuesday, NATO announced it would expel seven Russian diplomats in response to the poisoning. Suddenly, the Kremlin isn't looking quite so comfortable. With the Skripal hit, it looks as if Putin may have finally overreached.
All a consumer needs to get a payday loan is an open bank account in relatively good standing, a steady source of income, and identification. Lenders do not conduct a full credit check or ask questions to determine if a borrower can afford to repay the loan. Since loans are made based on the lender's ability to collect, not the borrower's ability to repay while meeting other financial obligations, payday loans create a debt trap.
Online cash advance loans are slightly different from their traditional brethren, though. Online loans are handled via internet applications and approvals, which often means you know if you are approved right away and you can receive your funds quickly via a bank transfer.
We've been asking a pretty simple question today: are payday loans as evil as their critics say or overall, are they pretty useful? But even such a simple question can be hard to answer, especially when so many of the parties involved have incentive to twist the argument, and even the data, in their favor. At least the academic research we've been hearing about is totally unbiased, right?
The stakes are very high, not just for the lenders, but for the whole "new middle class." It seems obvious that there must be a far less expensive way of providing credit to the less creditworthy. But once you delve into the question of why rates are so high, you begin to realize that the solution isn't obvious at all.
WERTH: So far, so good. But I think we should mention two things here: one, Fusaro had a co-author on the paper. Her name is Patricia Cirillo; she's the president of a company called Cypress Research, which, by the way, is the same survey firm that produced data for the paper you mentioned earlier, about how payday borrowers are pretty good at predicting when they'll be able to pay back their loans. And the other point, two, there was a long chain of e-mails between Marc Fusaro, the academic researcher here, and CCRF. And what they show is they certainly look like editorial interference.
WERTH: He was communicating with CCRF's chairman, a lawyer named Hilary Miller. He's the president of the Payday Loan Bar Association. And he's testified before Congress on behalf of payday lenders. And as you can see in the e-mails between him and Fusaro, again the professor here, Miller was not only reading drafts of the paper but he was making all kinds of suggestions about the paper's structure, its tone, its content. And eventually what you see is Miller writing whole paragraphs that go pretty much verbatim straight into the finished paper.
The French philosopher Alain Finkielkraut, the son of Holocaust survivors, is an accomplished, even gifted, pessimist. To his disciples, he is a Jewish Zola, accusing France's bien-pensant intellectual class of complicity in its own suicide. To his foes, he is a reactionary whose nostalgia for a fairy-tale French past is induced by an irrational fear of Muslims. Finkielkraut's cast of mind is generally dark, but when we met in Paris in early January, two days after the Charlie Hebdo massacre, he was positively grim.
Lawmakers, led by Senator Jeff Merkley, Democrat of Oregon, introduced a bill in July aimed at reining in the lenders, in part, by forcing them to abide by the laws of the state where the borrower lives, rather than where the lender is. The legislation, pending in Congress, would also allow borrowers to cancel automatic withdrawals more easily. "Technology has taken a lot of these scams online, and it's time to crack down," Mr. Merkley said in a statement when the bill was introduced.
"Alongside our other new rules for payday firms – affordability tests and limits on rollovers and continuous payment authorities – the cap will help drive up standards in a sector that badly needs to improve how it treats its customers."


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Aldo Vanucci
The Good Living Remix EP
Good Living Records
Released: 8th September 2008 | 6 track beats & breaks ep
New four track ep from those good looking fellas at Good Living. First up Kidda remixes one of the fav tracks from Aldo Vanucci's Straight Lift album Holla Down. The beat was originally scheduled for Jay Z's Blueprint 3 but after the Jiggaman nicked Kidda's Monster Munch at Glastonbury, the Brighton Soul Breaks Maestro offered it up. Then comes our Mexican friend with a leftfield take that grows on you more and more with each listen, so far we are up 3,427. The B side sees label honcho Scott Whyte step out from Vanucci's shadow and show us where the Vanucci sound should have been going. More to come from this man, hurrah! To give us all a happy finish Plymouths 14th best dj team up with Exeter pin up producers Ben and Lex for a reggae breaks track that though outside of Good Living's comfort sound has been receiving such attention it just had to be committed to vinyl. (Plus 2 digital only bonus remixes from Ben & Lex and Scott Whyte).


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Simon Furman blog updates (expect some minor spoilers) | UPDATED: April 3rd Updates
View Single Post
There ain't no Sanity Clause
9/11: Simon Furman's blog updated (some spoilers)
TF writer Simon Furman has updated his blog, teasing us once more with scant, yet tantalizing details for upcoming IDW TF releases. In this entry, Mr. Furman discusses
Devastation #5
. Yes, expect some spoilers.
Try it. It's blogerific!
(select to read)
Right, back to the ongoing, with a round-up of stuff I can reveal (which aint anything major, dont worry) about Transformers Devastation #5. As with my last Script (W)rap, for Beast Wars The Ascending #4, as we get further into a series (one where people are still to read issue #1, which comes out next week by the way), its tougher to tease and easier to inadvertantly give away stuff you later wish you hadnt. Theres just so much BIG stuff happening in Devastation Im particularly wary of anything approaching a true spolier. I dont want to lose that big wow factor when you finally see all this on the page. So, in very general terms, for the Autobots this is very much an aftermath issue (after #4s simply colossal dust-up with Decepticon living weapon Sixshot). But boy, what an aftermath! The life and death stuff that wasnt resolved last issue is resolved here (E.R. eat your heart out). And Optimus Prime makes a decision that will stun you. Seriously. As for the Decepticons, theyve got Reaper trouble. If you thought the Reapers just amounted to the six you saw in Spotlight Sixshot, think again! And its not just external forces plaguing Megatron. Trouble comes to a head within as well, in the shape of well, that would give the game away, though once you see EJs fabulous cover youll know. And (cause this ones packed to the rafters) theres more on Hunter, more on the Headmasters, more on Hot Rod and Wheeljack and even a tease of a certain upcoming Spotlight featuring, well, the one I said Id sideline for as long as possible, but then I started getting withdrawal symptoms and, anyway, youll see! This one doesnt hit stores until January 08! But itll be worth the wait, I promise! For more details on all IDW Transformers titles, visit the IDW website here.
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Joyce Zelma Taylor, 91of Kissimmee, passed away on September 10, 2017 She was born on August 17, 1926 to Harold and Velita (Powis) Richardson in Kingston Jamaica. Joyce loved making artificial flowers and cigars she also loved to Dance. Joyce... View Obituary & Service Information
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Send Flowers to the family of Joyce.Send Flowers


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All labor is subject to a minimum 1 hour charge.
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2 Noting that the massive indebtedness of medical students advises minority students in particular.
2 Noting that the massive indebtedness of medical students advises minority students in particular, the Commission recommends a substantial increase in grants, loan forgiveness programs and tuition reimbursement strategies.
Since its inception, AMSA responsible for accepting and culturally diverse is delighted that is pleased that the Sullivan Commission report will place diversity at the forefront of medical concerns. AMSA recognizes the following highlights from the report:.For more information about the guidelines is available on the relevant foodstuffs guidance system that is formerly known as Food Guide Pyramid is in February 2005. In February 2005. Media Relations.
Department of Health and Human Services and which U.S. Department of Agriculture. – 'The revised nutritional guidelines for a solid science-based questions to promote the health and reduction in the risk to major chronic diseases carried diet and exercise,'said Georges C. Benjamin, executive director of the American Public Health Association. 'The release of the updated guidance is a valuable pace in tackling the healthy food of the nation. Now the hard part is is to translate these recommendations into action. '.. Science-based Association Powered Reset revised National Dietary GuidelinesThe American Public Health Association announced its support for the new Dietary Guidelines for Americans today from the U.S.
Other Posts From Category "medicine":
- Gerald Crabtree.
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text: The national youth campus football tournament held in Beijing to thoroughly implement the general secretary Xi Jinping important instructions on care, the next generation of work to implement the State Council "on accelerating the development of the sports industry to promote the sports consumption of the several opinions of the spirit", "general Chinese Footbrawl tamp reform case", vigorously popularize football sports, cultivate a healthy foot global culture, promote the sunshine to the sports spirit, promote physical and mental health of young people and strong all-round development, Chinese authorized by the next generation working committee, the Ministry of education, the State Sports General Administration jointly established the "China Youth campus foot ball development plan approved by the leadership Office held International Football Conference (Worldwide Footballers Conference, hereinafter referred to as WWFC), this activity is included in the" China campus health action". The International Football Conference will highlight the international openness and extensive participation, led by the government to the private school as the main body, the integration of social resources to participate in, to enhance the international image, combining exhibition, forum, industry docking, cultural and other forms of interaction, to promote the popularity of the forum, exhibition to enhance and promote industrial docking, promoting cooperation, and promote the exchange of cultural interaction, with international and professional services for the purpose of the plan in five to eight years, the International Football Conference into a certain scale, authoritative international football industry, from the big event, many lovers ball, push vigorously develop Chinese Footbrawl education and football movement. The organizing committee decided to study held to celebrate ten · in the National Stadium of field; a national youth campus football tournament and the first domestic large-scale youth football into reality show "green good youth" press conference and Lei Feng public exchange activities in pok. The day before, at the National Stadium "bird's nest" attached by Chinese Next Generation Committee of Health Sports Development Center, International Football Conference Organizing Committee, Chinese education television "green good boy" column group sponsored by the International Football Conference and the first domestic large-scale youth football reality show "form green good boy" program to start the press conference cum public exchanges Lei Feng school". The small band of the valley R. "golden dance" as the opening song. At eleven during the general assembly also held a flag raising ceremony. China Next Generation Committee of Health Sports Development Center Deputy Director Li Weiping, Beijing University China sports industry research center executive director He Wenyi, "good boy" green project director and producer Zhong Xin Lei Feng, the school culture union president Zhang Gui and other leaders to attend the conference, the event ushered in the new campus green good young strong Footbrawl the team with the Jinzhou youth football green good youth team and the national football team of pocket friendly, although the friendly focus on winning, but small players inside Pinqiang high and intense atmosphere of the activity in the end of the cheer is still warm does teng. The International Football Conference Organizing Committee for the award winning ball team awarded a certificate, a souvenir (like Lei Feng medal). All the expenses to participate in the activities of football ball team are from International Football Conference Organizing Committee to provide.


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The Birkin bag is known by billions after it was introduced in 1983 after a worker at Hermès wanted to help out model ' Jane Birkin'. She was the inspiration for this bag and had given it, its name and reputation to what it is today.
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New BMW 5-Series highlights:
- 100kg lighter
- 530e plug-in hybrid version available from launch
- X-Drive four-wheel drive version of the 520d available from launch for the first time, also available on the 530d later
- Automatic transmission, Pro Navigation system and Dakota leather trim fitted as standard on all models
- Innovative Driver Assistance System available, that can allow the 5-Series to drive autonomously for 30 seconds
OKAY, so the looks of the all-new BMW 5-Series might be evolutionary, but BMW claim its buyers wanted it this way. Still look closer at the G30 and there are plenty of new design details for the new 5.
At the front, the way the headlights are paired to the kidney grilles is new. Those kidneys are quite clever too, as they're active – opening and closing to improve efficiency. This is the same as key rival, the Mercedes E-Class.
The long, elegant bonnet isn't anything different, but the curves are, plus another key identifier is the new lower light signature we spotted on the prototype.
Move to the side of the new 5 and there's more surface detail down the flanks, plus the latest version of BMW's iconic 'Hoffmeister Kink' on the C-pillar and 17-inch wheels as standard, with 18-inch wheels for M-Sport models.
Whilst at the back, the biggest change is the standard fitment of twin-exhausts for all Five-Series models, whereas it was previously reserved for sportier M-badged versions.
Inside, because of the incremental increase in length, width and height, we're told there's slightly more rear legroom, with boot space now up to 550 litres, an increase of 10.
Another new feature of the 5-Series interior is the standard-fit Pro Nav system, which – like the latest Volvo models – is made up of tiles like a smart phone. Key features of the new system include live mapping, news alerts, plus you can interact with the new system via hand gestures!
Other key changes for the new 5-Series interior include a wireless phone charging point in the front centre console, full-digital instruments, ambient lighting similar to the latest 7-Series, aluminium trim and standard Dakota leather on all models. Go for an M-Sport version and the dashboard is leather-trimmed too.
With the launch of the new Five-Series, BMW has taken the opportunity to simplify the range and as such, the number of versions available in SE and M-Sport trims has dropped from 28 to 12.
Prices start at £36,025 with the 187bhp 520d diesel – this 5 also has an impressive 400Nm of torque. Despite the athletic performance, with 0-62mph acceleration coming in just 7.5 seconds, plus a top speed of 146mph – like the last-generation car, it's still impressively frugal with 68.8mpg consumption and just 108g/km CO2 emissions.
Also, for the first time, you can have your 520d with XDrive four-wheel drive, although economy drops to 62.7mpg, with 119 g/km CO2 emissions.
Available at launch in February next year is the 530i petrol at £40,120. Performance is again a high point with 62mph coming up in just 6.2 seconds, yet the 132g/km emissions prove this is a choice that can be made by head as well as heart.
Then there's the xDrive-only 540i that does the 0-62mph dash in just 4.8 seconds, yet still emits just 164g/km of CO2.
The other diesel model in the all-new BMW 5-Series range is the £48,835 530d, that has 261bhp, 620Nm of torque and a 0-62mph time of 5.7 seconds. Despite the performance, the emissions are impressively low at 124g/km and the combined consumption is just 60.1mpg. Like the 520d, the 530d is available with four-wheel drive XDrive transmission.
Also promised later on will be a 540e plug-in hybrid version, which we were told would have sub-80g/km emissions.
We will bring you more details on the new BMW 5-Series as soon as we have them on Business Car Manager.


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Dust ceiling admirers and lightweight fixtures. Then dust blinds and wash or vacuum drapes utilizing the hand equipment. Remember to wash window sills and mantles or any horizontal floor. Thoroughly clean absent any ashes or residue in fireplaces.
The true secret is that the UVB-rays from the Sunshine truly have to pass through the ambiance and get to where you are over the earth. This naturally won't happen while in the Winter season for most of us, however the Sunlight's rays will also be impeded for the duration of a good number of the year for people residing in temperate climates.
Here is a pleasant stack of different recipes for generating home made laundry detergent that I've gathered over the years. Do they function?
Regarding the scores: EWG delivers info on cleansing product components from the posted scientific literature, to supplement incomplete details readily available from businesses and the government. The scores reveal the relative volume of concern posed by publicity to the ingredients During this merchandise - not the product or service by itself - as compared to other product formulations.
Inside the latter 50 % of the twentieth century, blue denims became extremely read this popular, and are now worn to gatherings that Typically demand from customers official apparel. Activewear has also turn into a massive and increasing market place.
Grating the bar soap very first is completed to ensure it melts quicker when heated or dissolves greater in More Help the wash. The finer it really is, the a lot quicker it melts.
Pour the soapy water mixture into a large, thoroughly clean pail and incorporate the Borax and Washing Soda. Stir perfectly till all is dissolved.
Companies will also be necessary to print '"with sweetener(s)" within the label near to the most crucial solution title on foods that contain "sweeteners for example aspartame" or "with sugar and sweetener(s)" on "foods that include both sugar and sweetener".[25]
I'd strongly motivate you to have your blood degree checked to substantiate that your sun exposure is putting you in the right stage. If it's not, or if Sunlight publicity is not really a functional option for you, then it is best to contemplate supplementing with oral vitamin D3.
If you ever establish a sunburn it's important to recognize that aloe vera is among the best therapies to help restore your pores and skin as it is loaded with potent glyconutrients that accelerate therapeutic.
The neutrality of the portion is disputed. Suitable dialogue could possibly be found around the discuss web page. Please will not remove this concept till situations to do so are met. (July 2017) (Find out how and when click for info to remove this template information)
Many household cleaners might cause serious harm when ingested or splashed specifically onto the pores and skin and eyes. While Us residents are conscious of the acute toxicity of some cleaning materials, stats on clinic visits and poison Management calls clarify that accidents with cleansing provides occur daily.


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Fall to Grace (HBO)
For Jim McGreevey, August 12, 2004 was, in his words, âa train wreck.â That was the day the New Jersey governor, after his affair with a man was exposed in the media, famously announced his resignation and declared himself âa gay Americanâ on live TV. After his political downfall and the ugly divorce that followed, McGreevey found himself stripped of the trappings of his former life, and at an existential crossroads. In Act One of his life, as he calls it, he married twice, fathered two daughters, and reveled in the power and perks of political office. Fall to Grace chronicles Act Two, in which an older, grayer McGreevey is living a simpler life, and is in the midst of a spiritual quest that has led him to a deeply rewarding place. For Alexandra Pelosiâs camera, McGreevey opens up about how the political limelight fed his ego and addiction to adoration â an addiction that ultimately âbrought no more permanent happiness than heroin provides a junkie,â he says from a large suburban home he shares with his partner and several dogs. People with this need, continues McGreevey, are often drawn to politics, Hollywood or the ministry, which is now where he aspires to be.
Price: 17.49
© 2018.


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Treatment for COPD
LYNCHBURG, Va (WSET) - Every step Mike Grant used to take was a struggle.
"I'd get up every morning and try to get up on the edge of my bed and I would pray to God he would take me before I had to start my day," Grant explained. "That's how bad it is."
43 years of smoking left Grant with COPD. He's one of 11 million people suffering from it in the U.S. according to Centra's respiratory therapist Cheryl Burnette.
"There's probably another 5 million that don't even know they have it and attribute their shortness of breath to aging or being out of shape."
But that wheezing, shortness of breath, and inability to do things you use to be able to do could be signs of something far worse.
That's why Burnette said it's important to not ignore those signs of COPD and see your doctor.
"What happens is people with COPD, they become short of breath and do less," Burnette said. "There for they are able to do less when they start their normal activities.
While there is no cure for COPD, pulmonary rehab can help.
They help build muscle strength again – which is important because tired muscles need more oxygen. But they also teach you how to breathe easier, manage stress and stress how good nutrition can affect your lungs.
Grants COPD was so bad that once he quit smoking, he had a double lung transplant last year.
"I had gotten so bad I was down to 13% of my own lungs," Grant said.
But now he's breathing easy again thanks to that lifesaving transplant and following up with pulmonary rehab.


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ATM usage fees
ATM usage fees are the fees that many banks and interbank networks charge for the use of their Automated Teller Machines (ATMs). In some cases, these fees are assessed solely for non-members of the bank; in other cases, they apply to all users. Many people oppose these fees because ATMs are actually less costly for banks than withdrawals from human tellers.
Australia [ edit ]
On 3 March 2009 Direct Charging (surcharging) on Australia's ATM networks was introduced. The Reserve Bank of Australia says this reform will result in benefits to competition and efficiency in the Australian ATM system. [ 1 ]
Most banks, (Commonwealth Bank [CBA], ANZ and Westpac /St.George) levy a $2 "ATM service fee" for withdrawals and balance inquiries at their ATMs by non-customers, NAB charges $1.50 (50c for an enquiry), Suncorp $2.20 (80c for an enquiry).
Suncorp and BankWest sponsored independent deployers are charging fees from $2, at these early stages $2.20 and $2.50 are not uncommon in pubs and clubs.
Bendigo Bank charges its customers $1.00 to use another bank's ATM. Bank of Queensland. CBA, Suncorp and Westpac/St.George do not charge any fee to use another bank's ATM. BankWest [ 2 ] does not charge users for access to foreign ATMs.
ING Group operates as ING Direct in Australia and has accounts that reimburse any domestic ATM fee provided that $1,000 is deposited into the account (i.e. salary) every month. [ 3 ]
Brazil [ edit ]
In Brazil, banks such as Bradesco. Banco do Brasil. Caixa Economica Federal. Itau and Santander operate their own nationwide ATM networks. These ATMs can be found in many locations such as the bank branch itself, kiosks spread throughout a city or even supermarkets, gas stations, shopping malls and post offices, making it very convenient for the customer to make withdrawals and check balances without incurring any fees. There are also no denial fees (i.e. when trying to withdrawal more money than what's available in your account) as Brazilian businesses cannot charge for services not rendered. However, fees are assessed if there is excessive usage of the ATMs (i.e. one makes more withdrawals than what's allowed by their monthly maintenance fee). Fees and limits can be checked at the FEBRABAN (the Brazilian Banking Federation) website .
Third-party networks [ edit ]
Brazilian banks have several partnerships in place in order to extend their coverage.
Correspondente bancario (Banking agent)
A partnership with store owners, who then use a small wireless ATM (much like a wireless EFT POS) to process transactions for the bank, such as deposits, payments and withdrawals. Use of a banking agent normally does not generate any fees.
Interbank network
Brazil does not have a national interbank network, but ATMs from some banks are connected to other banks' networks. These are usually indicated in the ATM itself. Use of an interbank network does generate fees.
Cash withdrawal with a Visa debit card
Brazilian acquirer Cielo (also known as VisaNet) offers Visa debit card holders an option to withdrawal a small amount of cash (up to R$100, approx. US$58) when paying for merchandise at any Visa-accepting store. Store owners then hand over the money to the customer at the checkout. While the purchase itself generate fees for the business (like any other credit or debit card transaction), the money withdrawal does not, and is reimbursed in full.
Third-party networks
There are third-party ATM networks such as Banco24Horas that charge fees for use. However, some banks (such as Citibank) will reimburse fees for its customers.
Canada [ edit ]
A short description of the fee structure one experiences while using Canadian ATMs can be found at the Interac website, [ 4 ] while The Financial Consumer Agency of Canada maintains a chart of the fees typically charged for use of ATMs in Canada. [ 5 ]
Interac ATMs [ edit ]
Most Canadian financial institutions are members of the Interac Association. a multi-bank ATM network founded by Royal Bank of Canada. CIBC. Scotiabank. Toronto-Dominion Bank. and Desjardins Group in 1984. Before the presence of white-label ATMs. most Canadian customers were only charged the standard Interac Network Transaction Fee when a customer was using an ATM not provided by the bank that held their account (historically $0.75 CAD. now $1.50 CAD). As the Interac network was opened up to more Independent sales organizations ("ISO")s and the potential for additional revenue from Service Fees were made available, most banks elected to impose the Service Fee in addition to the revenue that was generated from the Interac fee. [ 6 ]
The Exchange [ edit ]
European Union [ edit ]
Rules are being introduced that will force banks to levy equal fees for customers of all banks in the European Union. This may mean national fees become higher. See Single Euro Payments Area .
These rules apply since 1 July 2002. [ 8 ] Eurozone and Swedish [ 9 ] customers are exempt from getting lower international fees outside Eurozone countries, because only fees for euro withdrawals are regulated. Non-Eurozone customers (except Swedish customers) are completely exempt from getting lower international fees, because the regulation only states that international euro withdrawals should be available at the same price as national euro withdrawals (and euro withdrawals are very uncommon in non-Eurozone customers' home countries).
Austria [ edit ]
Cash withdrawals are free for any owner of an Austrian Maestro card. (Very few, small banks charge an extra fee when one of their own customers uses a different bank's ATM.)
Finland [ edit ]
Cash withdrawals are free for any owner of a Finnish bank card or Visa Electron cards on ATM brand "Otto." which is the largest ATM network in Finland. There are smaller rivals which have fees. "Otto." ATMs accept also Visa, MasterCard, American Express and Diners Club credit cards. They also belong to Maestro, Cirrus and PLUS networks. [ 10 ] Fees depend on card issuer.
Germany [ edit ]
German banks charge fees for withdrawals at another bank's ATM. Usual fees are 4-5 EUR. All ATMs are connected to the national Girocard interbank network. The ATM owners do usually join one of the ATM groups that mutually lower or waive fees, so that customers can withdraw free of charge. The most extensive network of ATMs belongs to the savings banks associations ("Sparkassen") with 24,600 ATMS. Most of the private banks are either member of the Cash Group (7,000 ATMs owned by the major banks) or Cash Pool (2,500 ATMs owned by smaller banks) - they are usually found in city centers.
The credit unions ("Volksbanken" and "Raiffeisenbanken") provide around 18,000 ATMs, very often in smaller towns and villages, but less frequently available in the big cities.
Ireland [ edit ]
The Central Bank of Ireland forbids all ATM usage fees [citation needed ]. although the Government imposes a €40 annual duty on debit/ATM cards.
Netherlands [ edit ]
Cash withdrawals are usually free for an owner of a Dutch debit card, both within The Netherlands and in other places of the European Union. Cash withdrawals from another bank in The Netherlands is limited to a maximum of once a day and a lower limit per transaction. The one transaction per day limit generally does not apply to withdrawals outside the country. You may withdraw up to 2300 euro per cashpoint.
Norway [ edit ]
No ATM normally surcharges. However most major card issuers will demand cash advance fees, unless the client pays a higher annual fee for the card. Some cards have no ATM fees, but these are the exception - like Skandiabanken VISA and Gebyrfri VISA, both smaller foreign-based banks.
Poland [ edit ]
There are few but extensive independent ATM operators in Poland (e.g. Euronet. eCard) as well as smaller bank-owned networks. Fees depend on inter-bank agreements and are explicitly stated in card contract. Typically withdrawals from own and allied networks are free while from competitor's machines are subject to constant fee, e.g. 5 PLN. Premium accounts often come without any withdrawal fees, albeit at higher recurring cost. As of 2010 many banks offer optional contracts on "free" withdrawals from any ATM at flat monthly fee, usually priced similar to 1 withdrawal. The maximum amount you can withdraw in one operation is usually about 3000 PLN, varying depending on the type of machine and banknote denominations used.
Portugal [ edit ]
All Multibanco withdrawals and payments in Portugal are free. Recent European Union directives allowed merchants and banks to charge the customers for transactions, but the government approved a law that forbids charging any kind of fees. Left Block and Portuguese Communist Party were the political parties that came up with the proposal and the ones more devoted to the idea.
Spain [ edit ]
There are significant variation in charges applied. A card issued by a Spanish Bank will normally expect to incurr a moderate fee from 0 to 1Euro to be applied to ATM withdrawals, where the transaction is conducted on an ATM operated and owned by the customers own bank. However outside this situation there is anecdotal evidence of significantly higher charges being applied where third party owner/operated ATMs are used, including those operated/owned by other Spanish banks. These may be in reported but unverified cases to be as high as 5+% of the value withdrawn. An effort is currently being made to research, identify and quantify the structure and nature of what from this anecdotal evidence, appear in some cases to be excessive charges. The case is complicated because the fees can originate from the ATM operator, or/and the customers own bank, for as "processing fees". That there is a serious consumer need for greater transparency in this important area of bank charges, in Spain, is beyond question, particularly with the scale and value of the Spanish tourism industry, and holiday home ownership. A comprehensive reference resource to the scale of this issue for customers, may soon be made available on the web. Please note that the comments above apply only to same currency transactions. It is beyond the scope of this note to evaluate excess charges that may result from use of a card that may be issued outside Spain, or originating in funds held in a non-Euro currency.
Sweden [ edit ]
In Sweden, most banks issue debit cards for an annual or monthly fee which includes free withdrawals in Sweden and within the eurozone. However, customers are subject to a fee if using a cash machine elsewhere. Some cards from some banks are, however, subject to fees also when used in the eurozone and some Swedish cash machines. Most of these cards are issued by savings banks .
United Kingdom [ edit ]
During the 1980s the number of banks and building societies charging issuer fees (i.e. charging fees to their own customers when they used another ATM operator's ATMs), gradually increased. However, in 1990 Barclays announced they were introducing an acquire fee for all non-Barclays card-holders at their ATMs. This would result in "double charging", where the customer was charged by both their card issuer and the ATM operator. Public reaction against this proposal was very strong and a campaign launched by Nationwide Building Society and the UK tabloid newspapers resulted in issuer fees being removed altogether. [ 11 ]
Interchange, the fee which a card issuer pays to the ATM operator to cover the cost of the transaction remains and this cost is absorbed by the card issuer.
In 1999 LINK, the UK ATM network opened membership to so called independent ATM operators, ("IADs"); organisations which do not issue cards. IADs initially focussed on the pay-to-use market, where the customer covers the cost of the transaction directly and this, coupled with a low-cost business model, meant that the number of pay-to-use ATMs rose rapidly, peaking in 2007 at just over 27,000 ATMs. [ 12 ]
Most of these machines are in low footfall locations such as convenience stores, garages, nightclubs and pubs. The fee charged in 2005 was usually between ? 1.00 and ?1.50, [ 13 ] but occasionally they have been known to charge up to ?5 [ 14 ] and ?10. [ 15 ]
Rules regarding signage on pay-to-use machines were introduced in 2005 and enhanced in 2006 [ 16 ] and since 2007 the number of pay-to-use cash machines has fallen, by the end of 2010 there were around 21,000. [ 12 ]
The large numbers of free-to-use ATMs and the low average number of transactions at pay-to-use machines means that 97% of cash withdrawals in the UK remain free of charge. [ 17 ]
Middle East [ edit ]
Iran [ edit ]
The Shetab (Interbank Information Transfer Network) system is an electronic banking clearance and automated payments system used in Iran. The system was introduced in 2002 with the intention of creating a uniform backbone for the Iranian banking system to handle ATM, POS and other card-based transactions. There are no charges for money withdrawal in this network. Transferring money between two accounts in a same bank is free but between different banks costs from 5,000 to 9,000 (for amounts of 50,000 to 30,000,000) per day, and checking the account balance costs IRR 1000 for other banks' cards. Other services are currently free.
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The B&B is located at the first floor of a building of the 19th century right in the middle of the "borgo teresiano", the historical center of the town during the Austria-Hungarian Empire. Once office of a legal practice, today it's a 250 mq apartment where we managed to reserve to our hosts an area which includes an entrance, three bedrooms with private bathrooms and a common area. During the renovation, we tried to stick as much as possible to the original structure and decorations of the house, starting from the saloon door that divides the big aisle, with it's beautiful colored glass windows which enhances the entire apartment with a vintage atmosphere.
The host area is located right after the saloon door and includes three rooms and a common area. The first room il The Suite: it includes an entrance, a private bathroom with a shower and a bidet and a big 35 mq room with a queen size bed and a single bed that can be converted in a sofà when it is non used. The floor is the original wood parquet and you still cansee the door that used to divide the master office from the meeting room (today closed and with a noise barrier). The second room (Bijoux) is aproximately 17 mq and is decorated with vintage furniture like a rought iron bed, night tables from the '30ies and a wardrobe liberty style. The private bathroom has a shower and is accessible from the room. The trhird room (Santo Domingo) is 20 mq wide and is decorated in dominican style. More coloured than the rest of the house, has a double bed, two night tables and a chair in wicker and on the walls there are pictures bought on the island that - we hope - will make you happy as mutch as they made us when we were there. The bathroom is also private and has a shower and you can reach it from the corridor. All the windows expose on a quiet street with no nightclubs nearby.
For breakfast, we try to give our hosts a vast choice of products, having special regards for local ones. Still, we think that the best way to make our hosts happy is by asking them to let us know what are their expectations, whether they have exceptional requests, special meal necessities and, obviously, any allergies. We will do all we can to make your breakfast at our house a wonderful experience.


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How to survive an iPhone with only 16GB of storage – CNET
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About this item
Observational Astrophysics follows the general outline of an astrophysics undergraduate curriculum targeting practical observing information to what will be covered at the university level. This includes the basics of optics and coordinate systems to the technical details of CCD imaging, photometry, spectography and radio astronomy. General enough to be used by students at a variety of institutions and advanced enough to be far more useful than observing guides targeted at amateurs, the author provides a comprehensive and up-to-date treatment of observational astrophysics at undergraduate level to be used with a university's teaching telescope. The practical approach takes the reader from basic first year techniques to those required for a final year project. Using this textbook as a resource, students can easily become conversant in the practical aspects of astrophysics in the field as opposed to the classroom.
Genre: Science, Technology
Sub-Genre: Optics, Astronomy
Series Title: Undergraduate Lecture Notes in Physics
Format: Paperback
Publisher: Springer Verlag
Author: Mark Gallaway
Language: English
Street Date: November 28, 2015
Item Number (DPCI): 248-10-8192
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Sweet and Spicy Salmon with Pineapple Avocado Salsa
IngredientsPineapple Jalapeño Salsa
1 pineapple
1 avocado
1 jalapeño (seeds removed)
3 tsp lime juice
1 tsp honey
4 tsp cilantro, chopped
salt and red crushed pepper
Sweet & Spicy Salmon
1 pound fresh salmon
pineapple rind (optional)
1 tsp cajun seasoning
1/2 tsp chili powder
1/2 tsp garlic powder
1/2 tsp paprika
2 tsp brown sugar
salt and red crushed pepper
InstructionsPineapple Jalapeño Salsa
Remove rind from pineapple and set aside for later.
Chop pineapple and avocado into small pieces. Add together in a bowl.
Remove seeds from jalapeño, as they contain most of the heat. Dice and add to pineapple and avocado.
Add lime juice, chopped cilantro, honey, salt and pepper to mixture and stir.
Cover salsa and allow it to sit in refrigerator for at least 1 hour.
Sweet & Spicy Salmon
Set the oven on broil at high and allow to pre-heat.
Place salmon in a baking dish.
In a small bowl, mix together the cajun seasoning, garlic, chili powder, paprika, brown sugar, salt and pepper.
Rub the mixture on top of the salmon.
Place salmon in the oven for 8-10 minutes, watching carefully. Remove the salmon from the oven and serve immediately.
Make sure you tag #DinnerWithTayo, would love to see your dish.0.1
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Ghana to update feed-in tariffs to last 20 years
Wisdom Ahiataku-Togobo, director of renewables and alternative energy at the Ministry of Power Ghana, spoke to delegates at the Solar and Off-grid Renewables West Africa event in Accra, Ghana.
Ghana will soon update its feed-in-tariff (FiT) programme for solar to include the possibility of having contracts last for 20 years, a government official has announced.
Wisdom Ahiataku-Togobo, director of renewables and alternative energy at the Ministry of Power Ghana, told delegates at the Solar and Off-grid Renewables West Africa event in Accra, Ghana, that the FiT for solar PV is due for an update.
He said: "Any moment from today, a new set of feed-in-tariffs will come out and I believe this FiT is going to take into consideration most of your worries."
He added that many developers had raised concerns and asked for a 20-year period for the FiTs instead of the previous 10 years and this is being accounted for in the next update.
Ahiataku-Togobo cited BXC's 20MW solar plant in Ghana, that was connected to the grid last Friday – adding: "This is the first private owned largest solar installation that we have in this country and let me emphasize that this was done without credit enhancement from government."
He said it was unfortunate that most developers look for credit enhancements from the government, and such developers will be subjected to a tendering process, similar to the first 20MW tender that Ghana had recently.
For the first tender, 18 of the companies that advertised have been prequalified and requested to submit their technical and financial proposal.
Ahiataku-Togobo said: "We hope that this tendering process will bring us very attractive solar prices in the country."
He also reemphasized the target for a maximum of 200MW for the rooftop distributed solar generation scheme and said system owners can benefit from the net metering schemes.
Last week, PV Tech visited the BXC plant, the biggest PV project in East and West Africa, shortly after it was connected to the grid.
Also read...
Sterling & Wilson to build Africa's 'largest' battery storage project beside solar-diesel microgrid
Off Grid Electric using US$55 million financing from EDF, GE and others for Ghana expansion
InfraCo Africa commits US$3.1 million to Guinea's first grid-connected solar project
West Africa's largest solar plant nears grid connection in Burkina Faso
Eni plans to develop 20MW solar project in Ghana


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You Pay: $29.95
The Resettable Combination Padlock has a 40 mm laminated steel body with a hardened steel shackel coated in plastic to protect equipment. Combination can be reset to one of 1000 possible combinations.
|Product Type
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Do not turn ON. LinkBack Thread Tools Display Modes 01-24-2006, 07:59 #1 (permalink) celluniversal No Life Poster Join Date: Apr 2005 Age: 37 Posts: 1,264 Member: 139388 Status: Offline > Thanks Meter: After completion of 291 blocks, it will say either 'done flashing' or hang at 'finishing flash'. BUT PHONE HAVING INCOMING CALL(Incoming call is coming & we can speak also no problem) UNABLE TO MAKE OUTGOING CALLS, DISPLAY STANDS ON THE ERROR MESSAGE (Configuration error.please contact your network
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You can unsubscribe at any time. So sorry I could not help! do menya ktota uje izdevalsya. For CID36: Open XS++ and again connect your phone the same way.
How can update w595 to R3EG004?, or had better use version R3EA037.? http://www.topsony.com/forum/showthread.php/20975-w595-configuration-error Name: * Email Address: * By signing-up, you agree that EXPANSYS PLC and their respective group of companies can contact you from time to time by email, phone, post, SMS or i looked on the net .. Goto STEP4.
thank you so much! how can i setup Vietnam language for my w595 when i have soft a2uploader?i have firmware:R3EGOO4 please help me.? Last edited by afterburner1; 12-28-2007 at 07:29 PM. Any chance you phone is less than 1 year old and SOny would honor a warranty on it?If not, I would try running the update again from the desktop software.
ANY SOLUTION?????????????????????????????? I tried two three times now the phone ok BUT NOW COMES NEW PROBLEM After flashing phone works fine but after some calls i attend and recieved (Nearly 30 min). worst luck . Please avoid sending me a PM to ask!
but After flashed ,SEUS show information must not update to last version R3EG004. Common for CID36 and CID49: Again open XS++ and connect the phone same way as we did before. Yuck, yeah I am seeing the fixes, they want you to edit the xml files, so it is a OS issue.
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