text:
Popularization of Science
Current Status:
The work under the project has been published in various journals. The data base has been generated for various parameters as proposed in the objectives. Various laboratory tests including cell & molecular studies are progressing well and are based on the standard procedures. The results suggest that stone crushing units posed considerable health hazardous to the workers due to their exposure to the dust at these units. As per the report, these effects vary from genetic instability to respiratory distress, as well as other ill effects on health. It is strongly suggested to statistically analyze the correlation among different observations and also to remove any disparity as for the difference in the number of individuals involved (control vs workers) as study group. The study in itself is important and would potentially be used in sensitizing the individuals for the health risks about their workplace, stone crushing unit, and also the potential prevention measure from this exposure.
Contact Person:
Dr. Gursatej Gandhi, Deptt. of Human Genetics, GNDU, Amritsar.
Current Status:
This project intends to find out the prevalence of chronic pancreatitis in few districts of Punjab, to study the polymorphisms of SPINK1 Gene N34S mutation, PRSS1 & ADH genes in chronic pancreatitis by PCR-RFLP and to study the prevalence of SPINK 1 gene N34S mutation, PRSS1 & ADH genes in population of Punjab. for the study, One block (i.e.Kharar) of Mohali district of Punjab was selected at random. The SPINK1 polymorphism at codon 34 was determined by a combination of PCR-RFLP, PCR-RFLP was performed with restriction enzyme Taal and the cycle sequence was at Exon 3 of SPINK1 with following PCR primers:Sense: 5′- GTT TGC TTT TCT CGG GGT GAG -3′ and Antisense: 5′- GAA GAA CGT GCC CCA AGA T -3′. For the remaining period of the project, other villages of Kharar Block of Mohali District will be screened, Blood samples will be collected from all above mentioned villages for polymorphisms of SPINK1, PRSS1 & ADH genes involved in chronic pancreatitis, DNA will be isolated & polymorphisms of SPINK1, PRSS1 & ADH genes will be done and Polymorphisms of above mentioned genes will be done in already collected blood samples.
Contact Person:
Dr. S.V. Rana, Department of Gastroenterology, PGI, Chandigarh
Current Status
The detailed work being carried out under the project includes study of Culicidae diversity, its taxonomic attributes, preparation of inventory of the collected specimens, study of correlation of Culicidae population with abiotic factors, study of seasonal prevalence, habitats and activity period of the major vector species. During the last two years, the research fellows under the project have conducted surveys throughout the Punjab state and they have been able to collect as many as 38 species of mosquitoes under seven genera. These species include 31 already known species as well as 7 species which have been procured for the first time from this study area. The collected specifies also include larvae of major vector species of Culicidae. The season-wise fluctuation in the population of the different specifies have also been worked out by the research fellows through intensive and extensive surveys throughout the year. They have also recorded important variations in the morphology of the adults and larvae of the studies species. During the subsequent period of the project, the project team will particularly concentrate on the variations which were met with in these species on account of environmental factors.
Contact Person:
Dr. Jagbir Singh, Professor Zoology & Environmental Sciences, Punjabi University, Patiala.
This project is being implemented to document developments in S&T in Punjab in various sectors such as agriculture, water management & irrigation, environment & ecology, industry, architecture, medicine, education, traditional technologies, art, scriptures, spirituality & religion, eminent scientists, institutes etc., given separately in Part A. The Part B of the document will present the history of S&T in Punjab during different eras beginning from dawn of modern civilization (Indus valley civilization), Aryan civilization, Rule of various kingdoms (Budhist, Greek, Mauryan and Gupta periods), Persian and Mughal rules, Sikh kingdom, British era and post-independence period.. The concluding chapter of the document will depict the current S&T scenario, lessons from history of S&T and future vision for sustainable growth.
Information resources on leading issues, events and ideas on climate change.
Knowledge base of the current trends and practices on sustainable building design.
Knowledge City is a mega initiative of the State Government Coordinated
Platforms to engage young people and make themaware on environmental issues.
To discover scientific talent and encourage students to think on broader aspects of........
Conservation of Biological Diversity of Punjab by implementing the Biological Diversity Act 2002.
At the forefront of Sustainable Change


text: So we found this submission as part of one of four records. I listened to all four, but this one was definitely slapping. As soon as the chorus came in, I was thinking 03′ 50 Cent, when Miami was on fire with Get Rich Or Die Trying. However, fear not, for John John Malcolm, embodies his own unique style, which fuses a clean sound with a healthy dab of positivity. I'm not even mad. We need more of this. Respect from CLPNation.com John John Malcolm. Follow on Twitter: @JohnJohnMalcolm Purchase on iTunes: John John Malcolm – EP – John John Malcolm Related

subset: commoncrawl


text:
Immediately Available Credit Controller
- Recruiter
- Hays Specialist Recruitment Limited
- Location
- Worcestershire
- Salary
- 22000.00 GBP Annual
- Posted
- 16 Apr 2018
- Closes
- 26 Apr 2018
- Job role
- Credit controller
- Contract type
- Permanent
- Hours
- Full time
Credit Controller, 4 months Contract, Redditch. Salary up to GBP21k
Hays is exclusively supporting a large international organisation based in Redditch, who have offices all over the world including HK, China, France and North America. They pride themselves on offering an unrivalled level of customer service and a premium product.
They are looking for an experienced and reliable Credit professional to support them till the end of August.
Your new role
Coming in to support an AR team of 6, looking after accounts from end to end, from credit checking to the allocation of cash.
- Ensure timely and accurate processing of customer payments
- Customer account reconciliations
- Meet month–end deadlines for completeness and accuracy of customer payment posting
- Initiating customer contact regarding invoice payment when due to ensure maximum cash receipts based on invoice due dates.
- Assist the AR Team Leader in all aspects of the day to day running of the credit control function
- Identify areas of customer concern to minimise risk of payment delay / default and action appropriately
- Advise the AR Team Leader of any possible problem /bad debts
- Update Management Information Systems as necessary
- Resolve queries in a timely manner, escalating an issues to the AR team lead.
What you'll need to succeed
- Experience using ERP systems i.e Sage, SAP
- Good level of excel
- 2 years experience in Credit Control
What you need to do now
If you're interested in this role, click 'apply now' to forward an up–to–date copy of your CV, or call us now.
If this job isn't quite right for you but you are looking for a new position, please contact us for a confidential discussion on your career.
Hays Specialist Recruitment Limited acts as an employment agency for permanent recruitment and employment business for the supply of temporary workers. By applying for this job you accept the T&C's, Privacy Policy and Disclaimers which can be found at hays.co.uk
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text:
Sign Up to Use Cisco CMX Cloud
- From the Cisco CMX Cloud home page (cmxcisco.com), click Sign Up for a free trial.
- From the Sign Up page, enter your information, including the Cisco CMX service that you want to use (such as Connect).
- Click the button to indicate that you have read and agree to the Terms and Conditions, and then click Sign Up.
- Expect two email messages:
- Signup Notification: This email confirms receipt of your signup request. It also includes links to information about Cisco CMX Cloud.
- Tenant Information: This email confirms that your Cisco CMX Cloud account has been created and provides your credentials to log in.
Log In to Your Account
- From the Cisco CMX Cloud home page (cmxcisco.com), click Login.
- Enter the username and password provided in your Tenant Information email, and then click Login.


text:
$160/week for a single (one person, one room)
$140/week for a walk-though single (one person, one room)*
$120/week per person for a double (two people, one room)
* A walk-through single is a room that is accessed by walking through someone else's room, or that someone must walk through to get to her room.
-> 12 weeks = $2160 to $1680
Single 2171
Double 1910
It will cost $722 or $622 per month, depending on the room. You do not need to rent for all three months.
$1866 to $2166 for 3 months
These approximate prices are for the entire summer and include food. :)
Quad: $1050
x2 = 2100, except pika has a waiting list and probably only I can get in, not my friend (not from MIT)...?
Triple: $1200
Double: $1450
x2 = $2900, again kind of risky
Single: $1800
rough it out: free
TAing @ $16/hr, 20hr/wk, Jun10-Aug10 = 61 days not including end date (9 weeks) = $2880. Eek. Haha. Time to start selling things on etsy or something...
Possibly factors: novelty (not stay in same place again)
I've been spending this week mostly on applications and looking for funding. In one way, mathematically, this is a good idea -- spend a bit of time to get thousands of dollars versus work all summer to get the same amount of money. However, I am wary that I'm spending too much time on this -- time is money too.
Alternative ways to make money: finish persistence of vision yoyo and sell some. This would happen at the end of May. Con: takes up precious time, again.
Update 4/18/13: Got on the pika waitlist, so... time to look for other options
EC undergrad housing, 2171/summer, May 28 - August 11 (75 days).
~870/month (30 days)
MIT Guest housing, $38.50 per night,
$1154/30 days
x12 weeks, 120/wk, $1440 (480/month)
x2 people, $2880
Frat housing
Looks like about $1700 each for the summer for a double. $1350 ea. if we are okay living in a quadruple.


text:
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text:
Total Tuition per child: $14,000
Total Materials Fee: $400
Optional After-School Care (CAPS): $1200
(or available at a daily rate of $10)
Annual, quarterly, and monthly payment plans are available. The tuition payment schedule does not coincide with the academic school calendar. If a student starts mid-school year, the amount due for tuition and fees will be prorated.


text:
Watch Now with
Watch Cannibal Diner
In this horror film, a group of young friends goes camping in a remote spot. That's never a good idea, because there may be cannibals lurking about. In this case, there are, and the carnage soon gets out of hand.
2012 | | 10 /
- Cast
- Language
- German
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text:
Planned to explore the Hauz Khas monuments today. But a last minute movie plan (Dabang, fun, but only if you don't think) meant that my brother and I only had time to explore the Deer Park and Green Park monuments.
Deer Park is on the way to Hauz Khas village, on the right of the road leading in from Aurobindo Place market. The Green Park monuments I'm talking of are at the beginning of this road, right next to the market.
Deer Park is actually a jungle, interspersed with seemingly random jogging tracks and infinitely more random exercise bars and balancing beams and other 'fitness' equipment. And it's full of insects. A word of advice: either wear full length clothes, or apply insect repellent. Otherwise you'll end up like I did, with a couple of dozen bites all over my arms and legs.
There are three tombs in the forest, and even though I had Lucy Peck's brilliant 'Delhi: A Thousand Years of Building' to guide me, we wasted precious time trying to find them.
1. Bagh-i-Alam ka Gaumbad, late 15th to early 16th c., supposedly one of the finest Lodi tombs in Delhi. And it was pretty impressive, though unfortunately the interior was inaccessible, and there seemed to be nobody around who would open the gates for us. Peeking in through the bars revealed the beautiful inside of the dome- it's got some awesome plaster work. The tomb also had a 'wall mosque' adjoining it - just a wall on the west side with a mihrab. The sign says that its roof had probably fallen in.
2. Tuhfewala Gumbad, 14th c. Pretty plain. Some guys were playing tash inside and blasting Akon and Justin Bieber. Baby baby baby oooooh.
3. Kali Gumti, 14th c. Small. And black.
I was disappointed that there were no signages leading to the tombs or even ASI information boards (barring ones for the small wall mosque near Bagh-i-Alam and the Kali Gumti). These monuments were obviously poorly maintained, and slightly vandalized, but honestly, they still had charm, shrouded as they were in greenery.
We took one of those Vodafone e-ricks back to Aurobindo Place. There are actually 6 monuments in this area, but one of them (Biran ka Gumbad, late 15th c.) is some distance inside Green Park, and since we were really running late we had to miss out on it. These are different from the Deer Park tombs because they are very much maintained. Every one of them has an ornate sign outside and a detailed information board with drawings. They also have some pretty fancy lighting.
1. Choti Gumti, late 15th c. Very, very small. But exceedingly pretty. The cream plaster was beautiful.
2. Sakri Gumti, late 15th c. Literally 'narrow dome', easy to understand why. Most probably a gateway and not a tomb. An old man was sleeping inside, complete with jute mat and water bottle and slippers left outside.
3. Barah Khamba, 14th c. Dome supported by twelve pillars of varying sizes. I remember our History of Architecture teacher telling us that there are many Barah Khambas in Delhi, not just the one which gives Barakhamba Road its name.
4. Dadi ka Gumbad, late 15th c. Big, and very impressive.
5. Poti ka Gumbad, late 14th c. Right next to the Dadi ka Gumbad, and so seems even smaller. The Dadi-Poti Gumbads, though very close together, have nothing to do with each other and the names have no real history. I guess they just represent the sizes.
Had fun, but am sorta disappointed about not getting to see what I really went there for: the Hauz Khas complex. Dunno when I'll next get the time.


text:
Every year, the Fish Fry brings together West Virginians and coal supporters who understand the importance of sustaining future generations of the industry.
(PRWEB) January 08, 2014
Remember The Miners is excited to announce the 3rd Annual Bob Huggins Fish Fry Presented by Little General Stores, to be held January 31st, 2014. The annual fundraiser is headed to a new destination this year, Mylan Park's Hazel and J.W. Ruby Community Center in Morgantown, W. Va.
Purchase tickets here.
The Fish Fry benefits both the Norma Mae Huggins Cancer Research Endowment Fund and the Remember The Miners' flagship charitable endeavor, the Scholars Program. The Remember The Miners Scholars Program was created in 2011 to provide financial aid to miners, dependents of miners, and students pursuing higher education in the mining industry. Remember The Miners and the West Virginia Coal Foundation created the Scholars Program to support families of the West Virginia mining community. Awardees of the scholarship are miners, dependents of miners, or students pursuing higher education in the mining industry.
"Every year, the Fish Fry brings together West Virginians and coal supporters who understand the importance of sustaining future generations of the industry," began Jason Parsons, President of Remember The Miners. "Corporate supporters like Little General Stores, a longtime friend to Remember The Miners and our Scholars, show the community that, together, we can honor our state's legacy of coal mining."
Honorary Chairman Coach Bob Huggins added: "Both organizations benefitted by this fundraiser are near and dear to my heart, and pay homage to West Virginia's commitment of caring for its own and creating a better future for West Virginia."
The Norma Mae Huggins Cancer Research Endowment Fund at WVU's Mary Babb Randolph Cancer Center was created by the Huggins family to raise money for cancer research in memory of Huggins' late mother, Norma Mae.
This year, the Fish Fry moves to Mylan Park at the Hazel and J.W. Ruby Community Center. Mylan Park is a state-of-the-art recreational and educational complex located on over 300 acres of beautifully reclaimed surface-mined property just minutes from downtown Morgantown.
For sponsorship information, contact Jason Parsons a jasonp(at)remembertheminers.org.
About Remember The Miners
Remember The Miners is a public awareness campaign dedicated to telling the story of America's real source of energy: the coal miner. Remember The Miners builds valued partnerships to tell the story through events, media, and Remember The Miners Scholars Program.


text:
Frequent Links
Cuisine of the Sephardic Jews
The cuisine of the Sephardi Jews is an assortment of cooking traditions that developed among the Jews of Spain, Portugal, the Mediterranean (Turkey, Greece, Maghreb) and Arab countries.[1] Mizrahi, who are sometimes called Sephardic Jews, are Jews of origins from countries of the Middle-East, respectively. While there is some overlap in populations due to the Sephardic Diaspora, Sephardic Jews settled in many other countries as well, and this article deals only with the populations originating in the Iberian Peninsula.
Jews in the Diaspora, both Ashkenazim and Sephardim, cooked foods that were popular in their countries of residence, adapting them to the requirements of kashrut. Their choice of foods was also determined by economic factors, with many of the dishes based on inexpensive and readily available ingredients. Meat had to be slaughtered in keeping with Jewish dietary laws, and then soaked and salted. Hence it was reserved for holidays and special occasions. Many Sephardi dishes use ground meat. Milk and meat products could not be mixed or served at the same meal. Cooked, stuffed and baked vegetables are central to the cuisine, as are various kinds of beans, chickpeas, lentils and burghul (cracked wheat). Rice takes the place of potatoes.
Sephardi Jews are the Jews of Spain and Portugal who were expelled in 1492, many of whom settled in Tunisia, Turkey and the Balkans. The Spanish and Portuguese Jews and Ladino-speaking Balkan, Moroccan, Tunisian, Greek and Turkish Jews are, by this convention, called "Sephardim", while the remaining Jews of Arab countries in the middle east are called "Mizrahim." In this sense, "Sephardi cuisine" would refer only to the culinary traditions of the first group.
Both the Jews of the Iberian Peninsula and the Jews of Morocco, Tunisia, Algeria, Bulgaria, Turkey, Syria, Egypt, Italy, and Greece adapted local dishes to the constraints of the kosher kitchen. Since the establishment of a Jewish state and the convergence of Jews from all the globe in Israel, these local cuisines, with all their differences, have come to represent the collection of culinary traditions broadly known as "Sephardi cuisine."
Cuisine basics
Sephardi cuisine emphasizes salads, stuffed vegetables and vine leaves, olive oil, lentils, fresh and dried fruits, herbs and nuts, and chickpeas. Meat dishes often make use of lamb or ground beef. Fresh lemon juice is added to many soups and sauces. Many meat and rice dishes incorporate dried fruits such as apricots, prunes and raisins. Pine nuts are used as a garnish.
Herbs and spices
In the early days, Sephardic cuisine was influenced by the local cuisines of Spain and Portugal, both under Catholic and Islamic regimes. A particular affinity to exotic foods from outside of Spain became apparent under Muslim rule, as evidenced even today with ingredients brought in by the Muslims.[2]
Cumin, cilantro, and turmeric are very common in Sephardi cooking. Caraway and capers were brought to Spain by the Muslims and are featured in the cuisine.[2] Cardamom ("hel") is used to flavor coffee. Chopped fresh cilantro and parsley are popular garnishes. Chopped mint is added to salads and cooked dishes, and fresh mint leaves ("nana") are served in tea. Cinnamon is sometimes used as a meat seasoning, especially in dishes made with ground meat. Saffron, which is grown in Spain is used in many varieties of Sephardic cooking, as well as spices found in the areas where they have settled.
Desserts and beverages
Tiny cups of Turkish coffee, sometimes spiced with cardamom, are often served at the end of a festive meal, accompanied by small portions of baklava or other pastries dipped in syrup or honey. Hot sahlab, a liquidy cornstarch pudding originally flavored with orchid powder (today invariably replaced by artificial flavorings), is served in cups as a winter drink, garnished with cinnamon, nuts, coconut and raisins. Arak is the preferred alcoholic beverage. Rosewater is a common ingredient in cakes and desserts. Malabi, a cold cornstarch pudding, is sprinkled with rosewater and red syrup.(all these dishes and ingredients constitute the adopted dishes of the local population where the Jewish population settled)
Pickles and condiments
Olives and pickled vegetables, such as cucumbers, carrots, cabbage, cauliflower, are a standard accompaniment to meals. Amba is a pickled mango sauce. Small pickled lemons are a Tunisian and Moroccan delicacy.
Shabbat and holiday dishes
On Shabbat, the Jews of North Africa in Tunisia and Morocco serve chreime, fish in a spicy tomato sauce.
As cooking on Shabbat is prohibited, Sephardi Jews, like their Ashkenazi counterparts, developed slow-cooked foods that would simmer on a low flame overnight and be ready for eating the next day. The oldest name of the dish is "chamin" (from the Hebrew word "cham," which means "hot"), but there are several other names. Its Ashkenazi counterpart is called shalet or cholent. Shavfka is another Sephardi dish that has an Ashkenazi counterpart, namely kugle. Bourekas are often served on Shabbat morning. Pestelas, sesame-seed topped pastry filled with pine nuts, meat and onion, are also traditional.[3]
Sambusak is a semicircular pocket of dough filled with mashed chickpeas, fried onions and spices associated with Sephardic Jewish cuisine.[4] According to Gil Marks, an Israeli food historian, sambusak has been a traditional part of the Sephardic Sabbath meal since the thirteenth century.[5]
Sephardi and Ashkenazi cooking differs substantially on Passover due to rabbinic rulings that allow the consumption of kitniyot, which are forbidden to Ashkenazi Jews. Sephardi Jews prepare charoset, one of the symbolic foods eaten at the Passover seder, from different ingredients. Whereas charoset in Ashkenazi homes is a blend of chopped apples and nuts spiced with wine and cinnamon, Sephardi charoset is based on raisins or dates and is generally much thicker in consistency.
Mina (known as scacchi in Italy) is a Passover meat or vegetable pie made with a matzo crust.
Rosh Hashana
At the beginning of the evening meals of Rosh Hashana, it is traditional to eat foods symbolic of a good year and to recite a short prayer beginning with the Hebrew words "Yehi Ratson" ("May it be Your will") over each one, with the name of the food in Hebrew or Aramaic often presenting a play on words. The foods eaten at this time have thus become known as "yehi ratsones". Typical foods, often served on a large platter called a Yehi Ratson platter, include: 1. Apples: dipped in honey, or baked or sometimes in the form of a compote called mansanada. 2. Dates 3. Pomegranates, or black-eyed peas 4. Pumpkin: in the form of savory pumpkin-filled pastries called rodanchas. 5. Leeks: in the form of fritters called keftedes de prasa. 6. Beets: usually baked and peeled 7. Head of a fish: usually a fish course with a whole fish, head intact.
It is also common to symbolize a year filled with blessings by eating foods with stuffing on Rosh Hashana such as a stuffed, roast bird or a variety of stuffed vegetables called legumbres yaprakes.[6]
Yom Kippur
Customs for the first food eaten after the Yom Kippur fast differ. Iranian Jews often eat a mixture of shredded apples mixed with rose water called "faloodeh seeb." Syrian and Iraqi Jews eat round sesame crackers that look like mini-bagels. Turkish and Greek Jews sip a sweet drink made from melon seeds.[7]
Sephardic Hanukkah dishes include cassola (sweet cheese pancakes), buñuelos (puffed fritters with an orange glaze), keftes de espinaca (spinach patties), keftes de prasa (leek patties) and shamlias (fried pastry frills).
Other specialities
Baba ghanoush, Baklawa, Couscous, Falafel, Fazuelos, Ful, Haminados, Halva, Hummus, Kibbeh, Kubbana, Kubbeh, Lahoh, Malabi, Ma'amoul, Matbucha, Tunisian Mulukhiyah, Moroccan cigars, Moussaka, Mofletta, Pescado frito, Sabich, Sahlab, Shakshuka, Skhug, Sofrito, Stuffed cabbage, Tabbouleh, Tagine, Yaprah, Almadrote[8]
- ^ Sephardi cuisine
- ^ a b Gitlitz and Davidson, pg. 5
- ^ Jewish cookery
- ^ "Gems in Israel: Sabich - The Alternate Israeli Fast Food".
- ^ Olive Trees and Honey:A Treasury of Vegetarian Recipes from Jewish Communities Around the World Gil Marks
- ^ Sternberg, pp 320-321
- ^ Sephardic break fast customs
- ^ Encyclopedia of Jewish Food, Gil Marks
Further reading
- Cooper, John, Eat and Be Satisfied: A Social History of Jewish Food, Jason Aronson Inc., New Jersey, 1993, ISBN 0-87668-316-2
- Gitlitz, David M. and Davidson, Dr. Linda Kay, A Drizzle of Honey : The Lives and Recipes of Spain's Secret Jews, St. Martin's Press, New York, 1999, ISBN 0-312-19860-4
- Goldstein, Joyce and Da Costa, Beatriz, Sephardic Flavors: Jewish Cooking of the Mediterranean, Chronicle Books, 2000, ISBN 0-8118-2662-7
- Marks, Gil, Encyclopedia of Jewish Food, John Wiley & Sons Ltd., Hoboken NJ, 2010, ISBN 0-470-39130-8
- Miner, Vivianne Alchech, and Krinn, Linda, From My Grandmother's Kitchen: A Sephardic Cookbook, Gainesville, FL, Triad Publishing Company, 1984, ISBN 0-937404-23-3
- Roden, Claudia, The Book of Jewish Food: An Odyssey from Samarkand to New York, Knopf, New York, 2003, ISBN 0-394-53258-9
- Sternberg, Robert, The Sephardic Kitchen: The Healthful Food and Rich Culture of the Mediterranean Jews, Harper Collins, 1996, ISBN 0-06-017691-1


text:
Clue: Wheat part
We have 1 answer for the clue Wheat part. See the results below.
Possible Answers:
Related Clues:
- Bristle on barley
- Hay morsel
- Barley beard
- Botanical beard
- Grass part
- Wheat or barley covering
- Barley bristle
- Bristle
- Wheat covering
- Beard of barley
Last Seen In:
- New York Times - December 28, 1997
Found an answer for the clue Wheat part that we don't have? Then please submit it to us so we can make the clue database even better!


text:
Submitted By Firm:
Arendt & Medernach
Louis Berns, Philippe Schmit
Date Published:
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As mentioned in our newsflash of last week, in order to support the 2013 budget, an ACIT is also introduced as from 1 January 2013 for all companies whose financial assets, transferable securities and cash deposits do not exceed 90% of their total balance sheet. The minimum ACIT due by such companies, varying from EUR 500 to EUR 20,000, depends on the closing balance sheet total of the company (lower than EUR 350,000 to higher than EUR 20,000,000).
In this respect, the Luxembourg tax authorities have announced today that for the purposes of the minimum ACIT, the net value of assets which generate (or may generate) income that Luxembourg is not allowed to tax according to a double taxation treaty (e.g. income deriving from foreign real estate) must be excluded when computing the balance sheet total. This means that a Luxembourg company which only holds real estate assets located in a treaty country should in general only pay an ACIT of EUR 500.
Your free resource for obtaining labor and employment law information worldwide.
Altra Industrial Motion Inc. has multiple locations in the U.S., as well as Central America, Europe, and Asia. The Employment Law Alliance has proved to be a great asset in assisting us in dealing with employment issues and matters in such diverse venues as Mexico, Australia, and Spain. We have obtained excellent results using the ELA network for matters ranging from a multi-state review of employment policies to assisting with individual employment issues in a variety of foreign jurisdictions.
In one instance, we were faced with an employment dispute with a former associate in Mexico that had the potential for substantial economic exposure. The matter had been pending for over a year, and we were not confident in the employment advice we had been receiving. I obtained a referral to the ELA counsel in Mexico, who was able to obtain a favorable resolution of the dispute in only a few days. Based on our experiences with the ELA, we would not hesitate to use its many resources for future employment law needs.
In my career I have been a practicing attorney, counsel to the Governor of Maine, and CEO of a major public utility. I have worked with many lawyers in many settings. When the American University in Bulgaria needed help with employment litigation in federal court in Syracuse, New York, we turned to Pierce Atwood, the ELA member we knew and trusted in Maine, for a referral. We were extremely pleased with the responsiveness and high quality of service we received from Bond Schoeneck & King, the ELA's firm in upstate New York. I would not hesitate to recommend the ELA to any employer.
David T. Flanagan
Member of Board of Trustees
I really enjoyed the Conducting an Effective Internal Investigation in the United States webinar. We are in the midst of a rather delicate employee relations issue in California right now and the discussion helped me tremendously. It also reinforced things that you tend to forget if you don't do these investigations frequently. So, many, many thanks to the Employment Law Alliance for putting that webinar together. It was extremely beneficial.
Lynn Clayton
Vice President, Human Resources
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I am familiar with several other products that purport to provide up-to- date employment law information and I believe that this resource is superior to other similar compliance manuals. I am delighted that the ELA provides this free to its members' clients.
Employment Law Alliance (ELA) has provided Boyd Coffee Company with a highly valued connection to resources, important information and learning. With complex operations and employees working in approximately 20 states, we are continually striving to keep abreast of specific state laws, many of which vary from state to state. We have participated in the ELA web seminars and have found the content very useful. We appreciate the ease, cost effectiveness and quality of the content and presenters offered by these web seminars. The Global Employer Handbook has provided our company with a very helpful overview of legal issues in the various states in which we operate, and the network of attorneys has helped us manage issues that have arisen in states other than where our Roastery and corporate headquarters are located in Portland, Oregon.
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As an employment lawyer based in San Francisco, I work closely with high tech clients with operations around the globe. Last year, one of my clients needed to implement a workforce reduction in a dozen countries simultaneously. And they gave me 48 hours to accomplish this. I don't know how I could have pulled this off without the resources of the ELA. I don't know of any single law firm that could have made this happen. My client received all of the help they needed in a timely fashion and on a cost effective basis.
Stephen J. Hirschfeld
As the Vice President for Litigation & Associate General Counsel for my company, I need to ensure that we have a team of top-notch employment lawyers in place in every jurisdiction where we do business. And I want to be confident that those lawyers know our business so they don't have to reinvent the wheel when a new legal matter arises. With more than 3400 stores and 35,000 employees operating in all 50 U.S. states and across Canada, we rely on the ELA to partner with us to help accomplish our objectives. I have been delighted with the consistent high quality of the work performed by ELA lawyers. I encourage other in-house counsel to use their services, as well.
Ingram Micro is the world's largest technology distributor, providing sales, marketing, and logistics services for the IT industry around the globe. With over 13,000 employees working throughout the U.S. and in 35 international countries, we need employment lawyers who we can count on to ensure global legal compliance. Our experience with many multi-state and multi-national law firms is that their employment law services are not always a high priority for them, and many do not have experts in many of their offices. The ELA has assembled an excellent team of highly skilled employment lawyers, wherever and whenever I need them, and they have proven to be an invaluable resource to our company.
Our company, Konami Gaming, Inc., is growing rapidly in a very diverse and highly regulated industry. We are aggressively entering new markets outside the domestic U.S., including Canada and South America. I have had the recent opportunity to utilize the services provided by the ELA. The legal advice was both responsive and professional. Most of all, the entire process was seamless since our Nevada attorney coordinated the services and legal advice requested. I look forward to working with the ELA in the future, as it serves as a great resource to the legal community.
Jennifer Martinez
Vice President, Human Resources
Until recently, I was unaware of the ELA's existence. We have subsidiaries and affiliates throughout the United States, as well as in Asia, the Middle East and Europe. When a recent legal issue arose in Texas, our long-time Nevada counsel, who is a member of the ELA, suggested that this matter be handled by his ELA colleague in Dallas. We are very pleased with the quality and timeliness of services provided by that firm, and we are excited to now have the ELA as an important asset to help us address employment law issues worldwide.
The ELA network has been immensely important to our company in helping us address an array of human resources challenges around the world. I strongly encourage H.R. executives who have employees located in many different jurisdictions to utilize the ELA's unparalleled expertise and geographic coverage.
Stacy Murphy
Former Senior Director of Human Resources
As the General Counsel for a company with 6,500 employees operating across the U.S. and in eight countries, it is critical that I have top quality lawyers on the ground where we do business. The ELA is an indispensable resource. It has taken the guesswork out of finding the best employment counsel wherever we have a problem.
Jill K. Bond
Senior Vice President/General Counsel, Shared Services and Benefits
We have direct sales and service offices all over the U.S., but have not necessarily had the need in the past for assistance with legal work in every state where we have a business presence. From time to time, we suddenly find ourselves facing a legal issue in a state where we have no outside counsel relationship. It has been a real benefit to know that the ELA has assembled such an impressive team of experts throughout the U.S. and overseas.
A few years ago, we faced a very tough discrimination lawsuit in Mississippi. We had never had to retain a lawyer there before. I was absolutely delighted with the Mississippi ELA firm. We received an excellent result. They will no doubt handle all of our employment law matters in Mississippi in the future. I have also obtained the assistance of several other ELA firms around the U.S. and have received the same outstanding service. The ELA is a tremendous resource for our company.
Our affiliated companies have used the Employment Law Alliance in connection with numerous acquisitions, and have always been extremely pleased with our ability to obtain the highest quality legal advice on due diligence issues from jurisdiction to jurisdiction. We have found the Employment Law Alliance firms to be not only first rate with respect to their legal advice but also responsive and timely in assisting us with federal and state law issues critical to our due diligence efforts. We consider the Employment Law Alliance to be an important part of our team.
We have partnered with many ELA firms on the development and execution of case management strategies with very positive results. We have been very pleased with the legal advice and counsel provided by the law firms we have utilized who are affiliated with the Employment Law Alliance. The ELA firms we have worked with are customer focused, responsive, and thorough in their approach to handling labor and employment law matters.
Elizabeth Daly
Assistant General Counsel
Sanmina-SCI has facilities strategically located in key regions throughout the world. Our customers expect that we will provide them with the highest quality and most sophisticated services in the marketplace. We have that same expectation for the lawyers with whom we do business. With operations in 17 countries, we need to be certain that we have a team of lawyers working together to address our employment law needs worldwide. The ELA has delivered exactly what it promised-- seamless and consistent high quality services delivered in each locale around the globe. It has quickly become a key asset for our human resources department.
We own, manage, and franchise hotels throughout the U.S. and in more than 90 countries. With more than 145,000 employees worldwide, ensuring that we comply with the complex web of local labor and employment laws in every one of these jurisdictions is a daunting task. The Employment Law Alliance has served as an important resource for us and we have benefited greatly from its expertise and long reach. When a legal dispute or issue has arisen in some far-flung place, Employment Law Alliance lawyers have always provided responsive, practical, and cost-effective assistance.
Wilmington Trust has used the ELA to locate firms in California, Washington State, Georgia, and Europe. Our experience with the ELA lawyers with whom we have worked has always been one of complete satisfaction and prompt, practical advice.
Michael A. DiGregorio
General Counsel
©2019 Employment Law Alliance. All Rights Reserved.


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Key Points
- The British Pound declined heavily today, and broke the 130.00 support versus the Japanese yen.
- There was a decline of more than 4% in GBPJPY, talking the pair as low as 123.21.
- In the UK today, the Halifax House Price Index report was released by the HBOS.
- The outcome was positive, as it posted a rise of 0.1% in Sep 2016, compared with the previous month.
GBPJPY Technical Analysis
The British Pound was stumped today versus the Japanese yen, as it broke the 125.0 level and traded as low as 123.21. There was a tiny bullish trend line formed on the 4-hours chart of GBPJPY, which was broken during the recent downside move.
The pair recovered well after the recent losses, and currently trading above the 50% Fib retracement level of the last decline from the 132.23 high to 123.71 low.
However, there is no denial that the pair is under heavy bearish pressure and may move down once again.
UK Halifax House Price Index
Today in the UK, the Halifax House Price Index was released by the HBOS. The market was excepting the UK's house prices and property price movements on a like-for-like basis to remain neutral at 0% in Sep 2016, compared with the previous month.
However, the outcome was a better than the forecast, as there was a rise of 0.1%. In terms of the yearly change, there was a rise of 5.8%, just as the market expected. Commenting on the report, the Halifax housing economist Martin Ellis, stated "House prices in the three months to September were largely unchanged compared with the previous quarter. The annual rate of growth eased from 6.9% in August to 5.8%".
Overall, the British pound has recovered most of its recent losses, but it may remain under pressure as long as below 130.00.


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Diving through hundreds of blog posts daily, so you don't have to. Here are the highlights:
Teen Dreams Fulfilled at Calvin Klein Menswear: The house of Calvin Klein certainly knows how to get the PR machine going-
New York Fashion Week | Calvin Klein Fall 2010: Loved the high neck trend that could be seen in everything from the pieces with hoods to just the extremely tall collars. It's hard to see in these shots, but I put up a couple from the show yesterday, check out http://MeAndMarisa.wordpress.com for those shots-
Anna Wintour Liked Patrik Ervell's Transparent Latex and Rubber Raincoats:
Fve Things The Cut Liked This Weekend:
Phillip Lim Fall 2010: My favorite men's collection so far-
Takeshy Kurosawa SS10: Loved this editorial. It's a short one, but the styling, photography and models formed my perfection trifecta.
Boot Up With Prabal Gurung, Peter Som, and Alexander Wang: If you haven't seen the Peter Som show yet do NOT delay and go to it RIGHT NOW!
Vogue China | Patricia van der Vliet: Asia really is where it's at right now for cutting edge fashion.
On The Road | Eniko Mihalik: The shoes in this spread are amazing! And great inspiration if you ever feel like rocking a leotard.
Patrick Ervell Fall 2010: Definitely some strong pieces in here. See if you agree with Anna.
Tavi at Alexander Wang: I know she is the "it" blogger and all, but does anyone else thing she resembles a grandma a little?
Fate of McQueen Label Uncertain:
Fall Faces Are Makeupless: A great trend for the youthful… Lets see how the older demographic of fashion responds-


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Hazel Blears gave a speech to the Hansard Society last Wednesday in which she lambasted political bloggers for breeding contempt and cynicism about the political process. These remarks attracted a lot of comment. However, far more interesting were her remarks about the increasing gulf between politicians and the rest of us. She said, "There is a trend towards politics being seen as a career move rather than call to public service … Increasingly we have seen a 'transmission belt' from university activist, MPs' researcher, think-tank staffer, special adviser, to Member of Parliament and ultimately to the front bench."
It is strange that Blears doesn't connect these two threads. She doesn't recognise the possibility that the cause of our cynicism about politicians' motives and ambitions is the sense that the country is being run by the strange careerist species she mentions whose loyalties are to self and to party rather than to us. She complains that politics is a career move rather than a call to public service. Well, let's credit the population at large with the acumen to have grasped that.
The problem with our political culture is not bloggers, it's accountability. The political geeks have taken over Parliament because we haven't been given a say in the matter. In our system the parties choose their candidates for seats and only then the electorate chooses between what the parties offer. Local party members choose their candidates, in many cases for a seat which is as good as won already. A third of seats are won with more than fifty per cent of votes cast. The tiny number of Labour Party members in a safe Labour seat get to choose their MP. They know there is no chance of their opponents getting in, as even if Labour voters don't like their candidate, they'll still turn out to block the Tories. So all Tories, Lib Dems and Greens are effectively disenfranchised in safe Labour seats, and the average Labour voter is stuck with whoever the local party select.
The solution to this problem has been presented from both sides of the house, and it is time for it to be debated. In a pamphlet written earlier this year for Policy Exchange, Frank Field proposes we adopt a system of open primaries. In this system all registered voters in the constituency would be able to vote for who was to contest the election for any party standing. This would instantly enfranchise the frustrated socialist in the Shires, or the conservative living on a council estate in Liverpool. Rather than having to convince those few, strange individuals among us who join political parties that they were a good candidate, the prospective parliamentary candidate would have to try to appeal to all voters in the area to be nominated. If Blears wants to see fewer political geeks in Parliament, I can assure her she will get her wishes under this system. They don't appeal to ordinary people, and given a choice, ordinary people will turf them out.
Earlier this month Douglas Carswell and Dan Hannan published a book with the same policy recommendation. They make the further point that MPs in safe seats would instantly lose their security. Any New Labour politician representing an old Labour constituency would face losing his seat if he followed a government policy that was objectionable to the voters in his area. Power would be devolved from the political insiders, and the party whips to the people of the country, of whom politicians are the servants.
Under such a system, Sir Nicholas Winterton MP and his wife Ann Winterton MP, who were judged in February to have broken Commons' rules on expenses, would have to face all their constituents at the next election, and not merely a few Tory party members in their constituencies. In July they both voted to keep the John Lewis list of allowances for MPs, despite public disquiet over the privileges. They were among the twenty-one Tory MPs who voted against their party leader to preserve their Parliamentary swag. In anticipation of an open primary race to come, is there any chance they would have been so dismissive of public opinion? Instead of a few angry calls from party members on blogs for the local party to deselect them, the Wintertons would be compelled to face the judgement of all their constituents, regardless of the wishes of the Tory party hierarchy, or the local party members.
The first objection to these plans is that people would try to wreck the opposing party's candidacy by voting for a loon. But if you were in a Lab-Con marginal would you risk voting for a nutter as Tory candidate if you knew there was a real chance he'd get elected? Most objections to these proposals are merely fear of what ordinary people would do if they had power.
Blears' suggestion that political parties should select people with experience of 'real' life as they do women and ethnic minority candidates entirely misses the point. It is the loss of power to change things that is at the root of our cynicism. A bus driver, selected and trained by a party hierarchy, dressed in a well-cut suit and a nice shiny rosette and presented to the people with the claim 'Look, one of you people!' isn't going to overcome our disengagement with politics. Politics isn't the X-factor, and the government isn't Simon Cowell. X-factor winners only sing the songs Cowell wants to hear. It's time to do away with the safe seats, which are barely more democratic than the old rotten boroughs.
If we did, there'd be a lot of MPs who voted through Lisbon feeling mighty nervous right now.


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VALENCIA, Spain, Feb. 3 (UPI) -- Police in Valencia, Spain, were called to an apartment building for a noise complaint and ended up finding 135 people crammed into one unit for a party.
Tenants Stefano and Gino, both 24, said they were throwing a birthday party and invited about 20 people, thinkSPAIN reported.
"They all brought other mates along and we couldn't leave them out in the street," Stefano said. "The doorbell never stopped ringing and I was constantly busy serving drinks to everyone."
Police were called to the building at about 2 a.m. by neighbors complaining about the noise.
"We were terrified the ceiling would collapse with the weight of all the people inside," said Amparo M., who lives below Stefano and Gino. "The police counted 135. I couldn't believe it."
Police were unable to enter the apartment because of the number of people in it and ultimately kicked everyone out.
"They told me off because we were disturbing the neighbors," Stefano said of the police.
Sefano said police filled out a report and that he will likely face charges for noise nuisance, adding that his friends offered to help pay any fines.
"We've already spoken about it and everyone would chip in a bit of money, but I hope there'll be no need. We did what we were told when the police came," he said.
"We're young, it's normal that we would hold parties," Stefano said. "The other night we went over the top, but it won't happen again."


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Includes completed court documents and filing instructions for your local courthouse.
Most couples are ready to file their documents in less than 30 days.
Receive helpful content and tools that will help reduce confusion and conflict.
Our co-parenting tools help you build well-thought out parenting plans.
We'll help you focus on your optimal outcomes and avoid potential conflict.
You and your spouse can create agreements that are best for your family.
A contested divorce can cost over $15,000.
A traditional divorce averages 3 to 6 months.
Complicated paperwork and escalating legal fees mean more stress.
Conflict associated with traditional divorce can result in families being torn apart.
More fighting means more time and legal fees for attorneys.
When couples can't agree, outcomes are determined by family court system.


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Mobile Event
Paint at the Park
Wednesday, May 1
No sign up necessary
Learn more
Class Details
Coming Soon
The Perfect Night Out
Enjoy drinks, upbeat music and hanging out with your favorite people while you paint! It's as fun for first-time painters as it is for experienced artists.
Fun Atmosphere
From the moment you walk in, the mood is light, the music is fun and the conversation comes easy!
Easy to Do
You don't need to be a seasoned painter — we make it easy for everyone to find their inner artist!
Sit Together
You'll get seats with all your friends, even if you book separately. Just tell us your friends' names when you register.
Paint Your Way
There's no rule that says you have to follow the artist's steps. It's your art, so paint it however you like!
Frequently Asked Questions
Check out our FAQs to learn more about what to expect from your Pinot's Palette experience or feel free to call the studio to speak to a member of our staff.
How do I sign up for a class?
Signing up is easy. Click the "Classes" link on the side of the page to view our calendar of paintings. Select which painting you would like to paint and click "Add Painting to Cart." Follow the on-screen directions to complete the order. Contact us at (913) 732-3768 if you have trouble completing your order and we will walk you through the process.
What is the cancellation policy?
A full refund can occur if notification of cancellation occurs at least 48 hours before the start of class. You can also have the option to put the reservation on hold for a later date or transfer the reservation to another class. If it's greater than 24 hours of the start of class, the reservation can be put on hold or transferred to another class. Loss of payment will occur if no notification of cancellation occurs or if notification occurs less than 24 hours prior to the start of class. For all private party deposits, there is a 2 week prior notice required to cancel. If it's less than that, the deposit will be forfeited, or you can move the private party to another date with at least a weeks' notice. Every party gets one date change, if a second date change is required, deposit will be forfeited. For our Project Pet classes, once a photo is submitted, there will be no refunds or transfer of reservations. If you cannot make it to the Project Pet, you can still pick up your canvas.
What do I need to bring to the class?
We provide the canvas, easel, brushes, paints, and apron for the class. All you need to bring are any drinks and/or appetizers you might want to enjoy! We also provide the wine glasses, corkscrews, ice & ice buckets, paper plates, napkins, and plastic ware.
Is there an age minimum for the normal public classes?
We do have kid's specific classes, but the normal public classes have the following requirements: 10 to 17 years old with a painting adult, or 18 years old and up. Please check our calendar for Family Day's, we allow children ages 5 and up to paint while accompanied with an adult. And also look for Mommy and Me classes on our calendar.
Is there reserved seating?
Yes, we have your easel set up for you at your spot before you arrive for class. If you have friends attending the class that you'd like to sit by, you can let us know when you book the class or you can send us an email (...just make sure you give us at least 24 hours notice).


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I'm done. I finished the last blocks for Balinda's month in Fresh Comfort Two. She chose fun blocks that I've never made before. She's making two I-spy quilts for her family's cabin and she sent a whole bunch of fabric to make the blocks.
I had a little trouble with the blocks. The one on the right is just a hair short of 12 1/2″ so I made the center of the block on the left a little bit larger figuring I could trim the block at the end to the appropriate size. What I didn't consider, however, is that since I had already pre-cut the squares that framed the center block, I wouldn't have enough room in each subsequent square to sew 1/4″. If you zoom in on the photo you can see that the edges are tucked into the next square a bit. I don't think it will be noticeable overall, but I hate to send out blocks with such a mistake. I hope Balinda understands.
So Fresh Comfort Two is now done. It's been a year and we've made a total of 11 months of blocks. The moderator decided that she didn't want blocks made for her month so we had December free. That leaves just do. Good Stitches Bee which I am really enjoying.
I really am glad I was part of these groups and learned a lot. There's a whole Flickr group dedicated to quilting bees and it's full of inspiration, as well as the pitfalls of belonging to this sort of anonymous type of quilting group. I think I'll save that for another post though.
For now, stick a fork in it; I'm done.


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Harborside Financial Center
153 Plaza II
Jersey City, NJ 07311
Phone: (201) 433-6275
Markers Restaurant is located on the Waterfront in the Harborside Financial Center, Jersey City, New Jersey. Since 1989, Markers Restaurant and Markers Express have been a mainstay of the Jersey City financial district, serving breakfast, lunch, happy hour and dinner Monday through Friday. Markers is located at the south entrance to the world-class Harborside Financial Center, on the Jersey City waterfront, directly across from lower Manhattan.


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Consumers and The Economic Outlook - Quarterly Update - UK - February 2012
The report includes an overview of the changes in household well-being over the last three years, a breakdown of planned and recent spending, and consumers' assessment of how well they manage their money. Free to Mintel Oxygen subscribers, the report is the third in an ongoing series of quarterly updates. Each quarter, the core tracker questions are supplemented by a focus on a different demographic group - this quarter, the emphasis is on higher earners - and by additional research into emerging economic development.
What you get
What's included
- Consumer Attitudes and Behaviour
- Market data
- Competitive analysis
- Risks and Opportunities
- What's Next
- Market Trends
This market report provides in-depth analysis and insight supported by a range of data. At the same time, introductory and top-level content is provided to give you an overview of the issues covered.
Mintel provides a range of market information, frequently through the category level, including market size and forecasting, complete with market drivers that illustrate the forces that shape a category or market.
Mintel's proprietary consumer research provides our analysts with the attitudinal and behavioral data used to provide valuable insight to topical issues.
Mintel provides overviews of the top brands and manufacturers, and uses consumer research to explore attitudes and reactions to brands, as well as insight into what will resonate with consumers.
Market reports provide appendices of data to support the research and insight produced. Our tables of data are easily manipulated and downloadable to support your research needs and covers factors from consumer attitudes to market forecasts.
* This is a sample representation of the report layout and does not reflect the research included in this report.
Why buy from us?
Our reports will provide you with market data, consumer research and competitive intelligence to succeed in your market.
Instant Access
Buy now and you'll have instant access to the information you need to make the right decisions.
Find out what's next in the markets that matter to you: where opportunities lie and what challenges you will face.
A business Superbrand, Mintel is a source you can trust. We have been defining and refining the Market Intelligence mix since 1972.
Table of contents
Consumers and the Economic Outlook: Datapack
- Current financial situation
- Figure 1: "How would you generally describe your financial situation at the moment?", February 2009-January 2012
- Impact of the slowdown
- Figure 2: "How much impact has the slowdown had on your own financial situation?", January 2009-January 2012
- Financial confidence
- Figure 3: "And how do you feel about your financial situation over the next year or so?", January 2009- January 2012
- Spending plans
- Figure 4: Previous and planned spending, July 2011- January 2012


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NWSB Insider and rookie Vancouver Whitecaps blogger Alistair Corp gives us his love 'em hate 'em from the Real Salt Lake vs. Whitecaps FC matchup. Despite the victory by the Whitecaps, they still must feel frustrated and the obvious missed penalty by a Salt Lake defender in the 10th minute. Joe Cannon got a straight red card in Vancouver's last match, handling the ball outside the box (saving a goal albeit).
Real Salt Lake vs. Whitecaps blog: love 'em & hate 'em
MLS Matchup Report: Real Salt Lake vs. Vancouver Whitecaps
Our man C-Mac has his finger firmly on the pulse of the Vancouver Whitecaps in their second season of MLS soccer. C-Mac gives us his match preview of Real Salt Lake vs. Whitecaps. The excitement of the Canadian women's team's bronze performance in London has raised interest in soccer in Vancouver. How will young Brazilian holding midfielder Tiago Ulisses impact the lineup.


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Branded Clocks - Where to Find Cheap Wholesale SuppliersA clock is a device used for indicating time and its passage. It refers to any device for measuring and displaying time continuously. Branded clocks are distributed by famous name suppliers such as, Howard Miller, Seiko, and many more. Different types of clocks like wall clocks, grandfather clocks, alarm clocks, and mantel clocks, among others, exist in the collection of wholesale suppliers. Wholesale suppliers of cheap clocks carry attractive range of clocks that are approved and tested to the highest standards. The collection of chosen clocks appeals to business executives because of its stylish design. Personalized travel clocks intended as promotional gifts are possible. Branded clocks are made to last generations. Some contain solid brass bushings while some are made of selected hard woods. Various styles of floor, wall, and mantle clocks suit any lifestyle and furnishings. Some branded clocks are world-renowned names. Th
Custom Sports Bottle Promotions Help Save the Environment and Protect the Health of Your StudentsThe custom sports bottle or personalized sports bottle makes an excellent addition to any school orientation package. They are a vibrant, high impact promotional item that provides a large imprint surface for your logo and message. They make a great carrying case for other orientation package materials. Calendars, necessary forms, pens, maps, USB drives, t-shirts and additional information can be stuffed inside a personalized sports bottle. They are environmentally friendly and encourage a healthy active lifestyle. With the dangers of bottled water to both personal health and the environment, the personalized sports bottle has become an even more important component to any orientation package. Custom sports bottles discourage the harmful practice of buying plastic water bottles which contain BPA (or Bisphenol A) and the DEHP (Bis 2-ethylhexyl phthalate). The FDA has recently linked BPA and DEHP to miscarriage, birth defects including genital
Promotional Products That Will Make You SmilePromotional products are rapidly growing in popularity, and many businesses have done away with business card in order to better promote their business with these products. There are so many promotional products available, each business is sure to find the perfect products to suit their purpose. The following paragraphs will discuss some of the promotional products available, that are likely to bring a smile to your employees, as well as your customers. Writing pens have always been popular promotional products for businesses everywhere. Quality promotional pens can be very effective in helping to promote more business. In addition, if you put some careful thought into the type and style of the pens you choose, they are sure to bring smiles to the faces of your employees, as well as your customers. Consider bright, fun colors! This is sure to bring plenty of smiles! Also think about choosing pens to match the theme of your business. For example, if your business of the medical
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The Scroll
Grant R. Jeffrey
Alton L. Gansky
- Release Date: September 6, 2011
- Publisher: WaterBrook Press
The Scroll by Grant Jeffrey and Alton Gansky - Book Trailer
About the book . . .
One last dig. One final descent into the twisted tunnels of ancient Jerusalem. Will the truth be fund among the treasures that lie beneath the holy city?
Dr. David Chambers, leading archaeologist, has spent his professional career uncovering the facts in the artifacts. His work sets the standard for biblical research in the Holy Land. But surrounded by the evidence, David has sunk into an abyss of doubt. A painful experience with a seemingly unresponsive God has left him without hope. The Old Testament scriptures that used to fi ll his mind with wonder now drive him to frustration. His unanswered questions have ripped him from both his academic pursuits and the love of his life, his fiancée, Amber.
An old friend and mentor reaches out to David, enticing him with the riches described in the enigmatic Copper Scroll. Losing ground with his peers, his love, and his faith, David Chambers has a choice to make. Will he undertake one final dig to unlock a secret that could alter the course of history? Do the mysteries of the Old Testament hold the key to the political turmoil of the Middle East?
In a world where faith has been eclipsed by the allure of doubt, The Scroll offers a different journey: a gripping adventure to find truth worth dying for.
About the authors . . .
Grant Reid Jeffrey (October 5, 1948 - May 11, 2012) was a Canadian Bible teacher of Bible prophecy/eschatology and biblical archaeology and a proponent of dispensational evangelical Christianity. Jeffrey served as the chairman of Frontier Research Publications for more than 20 years. His books have sold more than 7 million copies and have been printed in 24 languages. Jeffrey was working on a new book called, One Nation Under Attack (WaterBrook Press, Jan. 2013), at the time of his death. He also appeared on television and radio shows, particularly on Christian programs and also had been invited to speak to groups around the globe.
In 1982, Jeffrey earned a Chartered Life Underwriter Certification from the University of Toronto's Extension Program. He later received his Master's Degree and Ph.D. in Biblical Studies from Louisiana Baptist University.
In 1999, Jeffrey's book, The Millennium Meltdown, reached #2 on the Publishers Weekly bestseller list for religious paperbacks. In 2000, his novel By Dawn's Early Light, which he co-wrote with Angela Hunt, won the Christy Award for futuristic Christian fiction.
In 2007, Trinity Broadcasting Network began broadcasting, Bible Prophecy Revealed, a 30-minute weekly program hosted by Jeffrey.
Grant Jeffrey died on May 11, 2012 in Toronto, Canada.
ALTON L. GANSKY has written or collaborated on more than thirty novels and nine nonfiction works. He has been a Christy Award finalist for A Ship Possessed and an Angel Award winner for Terminal Justice. He lives in central California with his wife.
Reader Review . . .
Dr. David Chambers, renowned archaeologist, has lost his faith, his fiancee, and his interest in Old Testament related research. But when he is presented with the opportunity to look for the treasures of the Copper Scroll, he cannot say no.
Think "Indiana Jones got saved". That pretty much sums up the tone of this novel. It isn't bad, you understand; but it was predictable at times. Stock characters and dialogue, the usual plot twists, etc. However, I would still recommend this to anyone who enjoys Old Testament history, archaeology, or Middle East cloak-and-dagger.
3.5 stars
Disclosure of Material Connection: I received this book free from the publisher through the WaterBrook Multnomah Publishing Group book review bloggers program . I was not required to write a positive review. The opinions I have expressed are my own. I am disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255 <http://www.access.gpo.gov/nara/cfr/waisidx_03/16cfr255_03.html> : "Guides Concerning the Use of Endorsements and Testimonials in Advertising."


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MELBOURNE (Reuters) - A series of great escapes underpinned Simona Halep's brave Australian Open campaign but the exhausted Romanian hit a dead end in the final as she crumbled in a thriller against Caroline Wozniacki.
Having saved five match points during her run to Saturday's title decider, she surrendered on the first against the Dane at Rod Laver Arena, a netted backhand condemning her to a 7-6(2) 3-6 6-4 defeat, her third in three grand slam finals.
The disappointment of missing out again on a long-awaited major trophy was compounded by the loss of the world number one ranking to Wozniacki, a sting in the tail of a taxing tournament that began with a rolled ankle.
The 26-year-old leaves Melbourne Park sore and sorry, but with another legion of admirers and with hope her day will come eventually.
"I can still smile. It's fine. I cried, but now I'm smiling," she told reporters with a tinge of regret.
"It's just a tennis match in the end. But, yeah, I'm really sad I couldn't win it. I was close again, but the gas was over in the end.
"I did 100 percent what I could today. That's why I can say that I'm not sad for that.
"I'm still losing and I'm still waiting (smiling). Maybe the fourth one will be with luck."
Aching ankle and all, Halep saved three match points against American Lauren Davis in an epic third round encounter, then another two against 2016 champion Angelique Kerber in another three-set marathon in the semi-finals.
By the time she entered Rod Laver Arena on a stiflingly hot evening, she had clocked up nearly two more hours on court than second seed Wozniacki.
She already felt spent by the turn of the first set, with both feet hurting.
"I had so many problems at my feet, pain everywhere," she said ... No energy, no power.
"But I think I did pretty well with all the things that were going on."
She suffered a dizzy spell and a headache early in the second set and took a medical time-out to have her blood pressure checked.
Later, she grabbed at her left thigh repeatedly. It was as if all her body parts were gradually breaking down.
Yet she lifted to take the game to Wozniacki. She battled back from 2-0 down in the third set to break the Danish counter-puncher three times in succession to nudge in front.
But even her coach Darren Cahill had said she was playing the final "on fumes" minutes before the match, and it ultimately showed as her serve flagged in the final exchanges.
Through it all, her mind remained bullet-proof, an improvement, she said, since her meek and rueful loss to Jelena Ostapenko at last year's French Open final.
"The mental part was okay," added Halep, also a runner-up at Roland Garros in 2014.
"So I think I have improved a lot this tournament.
"I'm leaving Australia with many good thoughts and many positive things because what I've done these two weeks I never did in the past."
Editing by Pritha Sarkar


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LONDON, March 13 (IFR) -
* Books open at UKT 2.25% 09/23 (Mid Px) +55bps area. Listed in Lux. (8:10)
* Dexia Credit Local is marketing a Dec 2023 sterling benchmark at mid-50s over 2.25% Sep 2023 Gilts via Deutsche Bank, HSBC, and NatWest.
The notes benefit from an unconditional and irrevocable first demand guarantee from the States of Belgium (51.41%), France (45.59%) and Luxembourg (3.00%).
Taking IOIs, expect tomorrow's business. Lux listing. English law. Format: Senior unsecured, RegS bearer. Denoms: £100k + £100k. Docs: Issuer's Programme for the issuance of Guaranteed Euro Medium Term Notes.
Dexia is rated Aa3(stable)/AA/AA-. (March 12) (Reporting by Helene Durand)


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Fourteen years ago today I married my best friend, and we have become even better friends since. We have had our ups and downs but mostly ups. I'm so grateful for Scott and all he puts up from me. I remember the date where I started falling for him. It was a trip up the canyon on a Sunday afternoon. It was kind of a last minute thing and all we had in our apartments were mac and cheese and pumpkin choc. chip muffins. So that's what we ate. I was just getting over a very bad relationship and was just ready to take care of myself. I'm so glad that I put down my wall and let him get to know me. I'm so glad that he is my eternal companion. He is also the father of my precious children who are my world. I am so grateful to my Heavenly Father for giving my greatest blessing which is my eternal family.
Wednesday, March 26, 2008
Posted by Miller7 at 6:16 PM 3 comments
Sunday, March 23, 2008
Posted by Miller7 at 7:51 AM 1 comments
Saturday, March 22, 2008
Happy Dance
Since I am not yet used to doing this blogging thing, I have forgot to wish some people HAPPY BIRTHDAY to KOY, GRANDMA CONNIE, CHELSEY AND KADEN. I wish I had pictures of all of you to post, but just know that we love you all and wish you the best of years.
Posted by Miller7 at 10:05 AM 1 comments
Thursday, March 13, 2008
Birthday Girl
Posted by Miller7 at 9:07 AM 1 comments
Saturday, March 8, 2008
Posted by Miller7 at 8:58 PM 0 comments
Friday, March 7, 2008
I forgot to mention earlier that I also wanted to do this so my Mother-in-Law and Sister-in-Law who live far away from us can keep up on our lives.
Posted by Miller7 at 6:26 PM 0 comments
March 7;
This is my first time blogging, and I don't know quite what to say. I have read others blogs and find it fun to follow friends lives, and hope to have fun sharing ours too. I need to tell my nephew Keegan HAPPY BIRTHDAY!!!! I'm excited to have this going and look forward to sharing our special times.
Posted by Miller7 at 1:19 PM 0 comments


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Getting great results whilst exercising doesn't have to involve lifting heavy weights or using expensive home gyms. You can get the same, and sometimes better results just using your own bodyweight. Watch my series ...[Continue reading]
Tag: men's fitness
10 Good Exercises To Lose Weight.
It is undeniable that to lose weight permanently and safely, a healthy diet and regular exercise is required. Exercising helps in burning calories and in building muscles hence increasing the body's metabolism and eventually decreasing ...[Continue reading]
Workouts For Men
You are a man and would like to take your cardiovascular fitness and general body shape to another level? Exercises are important to any man who aspires to build his body. Fight Cardiovascular Disease. ...[Continue reading]
Best Cardio Workouts At home
Best Cardio Workouts at home. Ever desired to have cardio routines at home in your own relaxed atmosphere? Well, at home cardio exercises are the perfect fit as they ensure you get the same ...[Continue reading]
What is Cardiovascular Exercise?
What Is Cardiovascular Exercise. Cardiovascular exercises are a great way to effectively shed those unwanted pounds. From walking on treadmills to running and jogging, cardio is designed to enhance respiratory performance and functionality. It ...[Continue reading]
Lifespan Treadmill Reviews
Lifespan Treadmills. Lifespan treadmills are produced by a treadmill company based in Utah. The company is known to produce high-quality treadmills with some even winning awards. LifeSpan treadmills are a favorite among people for ...[Continue reading]
Weslo Treadmill Reviews
Weslo Treadmills With lifestyle diseases on the rise, keeping fit is no longer considered an option for many households and individuals. Weslo Treadmills are your answer to ensuring that you maintain a healthy body ...[Continue reading]
Horizon Treadmill Reviews
Horizon Treadmills. Staying healthy is the ultimate desire of every human being, and treadmills will help you maintain a healthy state by keeping your body fit through regular and occasional exercises. Horizon treadmills are ...[Continue reading]
NordicTrack Treadmill Review
NordicTrack NordicTrack Company started in 1975 in Minnesota. The brand is owned currently by ICON Health and Fitness and is well known for their treadmills and other fitness equipment. The Nordic Track collection has ...[Continue reading]
Proform Treadmill Reviews
Proform Treadmills. Being the official training machine of the Boston Marathon can only mean one thing and that is the trust that professionals have for these machines and their capability, performance and durability and ...[Continue reading]


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Recap of PCDO Endorsement for Assembly, County, and Municipal Candidates
On March 19, 2017 PCDO members heard from candidates running in the Democratic primary at three different levels of government.
David Cohen and Leticia Fraga received our endorsement for Princeton Council. Assemblyman Andrew Zwicker received the PCDO's endorsement for NJ LD-16 after describing his vision for the state's future, as did assembly candidate Roy Freiman and senate candidate Laurie Poppe. Also appearing and receiving the PCDO's endorsement were Mercer County Freeholders John Cimino and Lucy Walter and Mercer County Sheriff John A. (Jack) Kemler.
Princeton Mayor Liz Lempert and Councilwoman Heather Howard reported on Princeton's participation in the Welcoming Cities initiative and other collaborative efforts to support our immigrant neighbors.
A highlight of the program was Asm. Andrew Zwicker discussion how to resist intolerance in the current political climate.
Video of PCDO Forum for 2017 Candidates for Governor
Recap of PCDO Gubernatorial Endorsement Vote
On the evening of Sunday, February 12, the Princeton Community Democratic Organization held its gubernatorial candidate forum and endorsement meeting at the Suzanne Patterson Center in Princeton. More than 300 people attended the standing-room only event, with some being turned away at the door. The forum featured four leading Democratic candidates for governor: Jim Johnson, Raymond Lesniak, Phil Murphy, and John Wisniewski. The PCDO's First Vice President, Dwaine Williamson, moderated the event. After the candidates each delivered short opening statements, Williamson asked them questions supplied by the crowd, ranging over such topics as immigration, the Affordable Care Act, charter schools, pension reform, and the recently enacted gas tax. While each of the candidates offered their own visions and proposals, they were unified in their rejection of the Christie administration and in their commitment to electing a strong Democratic candidate as governor of New Jersey.
After a first round of voting by members of the PCDO, Murphy and Wisniewski faced off in a run-off, which Wisniewski won, earning just over 60% of the vote, the necessary amount to earn the organization's endorsement. The meeting was broadcast live through Facebook, and a video of the gubernatorial forum is available on the PCDO's Facebook page: https://www.facebook.com/PrincetonDemocrats/.
Before the forum, Assemblyman Andrew Zwicker spoke about the current political situation and upcoming race in LD-16
Future monthly meetings of the PCDO will be held on March 19, April 23, May 21, and June 11 at 7 p.m. at the Suzanne Patterson Center. The March 19 meeting will feature a Candidate Forum and Membership Endorsement Votes for Local Races. At the April 23 meeting, Brandie Canes-Wrone, the Donald E. Stokes Professor of Public and International Affairs, Woodrow Wilson School, Princeton, will speak on the impact of campaign donors on congressional and presidential behavior.
Endorsement Meeting for New Jersey Governor
Sunday, February 12th
PCDO Candidate Endorsement for
New Jersey Governor
We are pleased to announce that four Democratic candidates for the office of Governor of New Jersey will answer your questions and seek the PCDO's endorsement.
(in alphabetical order)
To gain the club's endorsement, a candidate must receive 60% of the ballots cast by the Organization's members present and voting.
In the event that no candidate receives 60% in the first round, the top two vote-getters will be eligible to have their names written on a second ballot. Please do not fill in your second ballot until after the result of the first ballot is announced. Only official PCDO ballots provided to eligible voting members will be recognized during counting.
You must be present to vote. No proxy or absentee ballots will be accepted in either round of voting.
The candidates' program will be preceded by a
Vote on a Proposed Bylaws Amendment to Give Affiliate Members the Right to Vote in Non-Princeton Matters
Before the candidates speak, there will be a vote on a proposed bylaws change to give affiliate members (that is, non-Princeton residents) the right to vote on PCDO matters of statewide or national importance. If passed by 2/3 of the current full members in attendance, the change will immediately go into effect, allowing affiliate members to vote in the candidate endorsement.
Sunday, February 12th
Suzanne Patterson Center
(behind Monument Hall)
45 Stockton Street
Doors Open at 6:30 PM
Meeting Begins PROMPTLY at 7:00 PM
Free parking is available. Overflow parking is available at Morven Museum and Garden, 55 Stockton Street
Eligible attendees with up-to-date PCDO membership as of January 29, 2017, may participate in the endorsement and bylaws amendment votes.
Subscribe to PCDO Announcements
Upcoming events


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In sharp contrast to the resort lifestyle of Cancún and the Riviera Maya, the Yucatán and Campeche states cater to a more tranquil traveler who is looking to avoid the Spring Break atmosphere. Here you'll find innumerable natural and historic wonders, including mangrove forests, unspoiled beaches, quaint colonial villages, and more than 50% of Mexico's bird species.
Unlike Quintana Roo, Yucatán and Campeche states have few international residents, and there's much less emphasis on beachside activities. With the largest indigenous population in the country, these states are defined by Mayan culture and traditions; the area's history, people, and food set it apart from the rest of Mexico.
One of the Yucatán State's biggest draws is its capital, Mérida. It is the handsome regional hub of art and culture, and locals and travelers alike gather in the main square for weekend performances. Izamal, the oldest town in the Yucatán, will take you back in time with its cobblestone streets, iron lampposts, yellow-painted buildings, and horse-drawn carriages. Near the state's eastern border, the budding cosmopolitan town of Valladolid offers excellent bird-watching and freshwater cenotes where you can explore underwater caves.
More than 2,000 Mayan ruins lie within these two states, but only a handful have been restored for tourism. Nestled amid rampant jungles are the magnificent archaeological sites of Uxmal, Kabah, Labná, Sayil, Dzibilchaltún, and Chichén Itzá, a UNESCO Natural World Heritage Site. Roughly one hour southeast of Uxmal, the Grutas de Loltún show signs of human civilization dating as far back as 800 BC. At these natural caverns, illuminated pathways meander past stalactites, stalagmites, and limestone formations.
The beach town of Celestún offers nature lovers a chance to ogle huge flocks of pink flamingos. To combine wildlife with adventure, head to Río Lagartos where you can kayak through the mangroves. Off the coast of Isla Holbox, diving with whale sharks is possible from June through August. This small island, void of cars, is one of the area's best spots to relax and enjoy beach life. Near Mérida, the sand-rimmed community of Progreso is another coastal favorite.
Campeche, the more remote neighboring state, is known for its haciendas and colonial towns. The state's capital (also called Campeche) sits within a 26-foot wall that served as a protective border against pirates in the 17th century. Today this harbor city is centered by colorful buildings and a charming plaza where people gather to admire the cathedral, browse the market, or enjoy pan de cazón, a traditional casserole made with shredded shark meat. For a mellow alternative, you can explore the coastline by boat or spend a day bird-watching at the Calakmul Biosphere Reserve.


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2016-05-19 13:34:00
12 illustrations showing the darker side of modern society
It seems we live in the best of worlds. Or so they say. In our first full of material comforts, facilities and opportunities world. Without wars, famine, conflicts and pandemics. These problems only affect the other half of the planet, "another world".
Love fails.
Feelings fail.
The economy fails.
Values fail.
The human being fails.
The system fails.
The Polish artist and illustrator Igor Morski creates surreal images that portrays their different worldview.
Families are rowing in the same direction. Individualism has permeated to the last redoubt of our lives and has even our homes.
We grow up without knowing grow. We grow until our inner child is a good day caught between the bars of the adult world.
The cult of beauty is the new religion of the masses. The endless diets, operations, masks, cuts and cosmetic surgery.
In his series System Failure, Morski analyzes and puts into question the cult of beauty, greed, economic crisis and values that affect our modern world
We have never been so guarded as now. Get outside, look up. You feel it? There's probably someone or something watching you. A lady from the balcony or the bank's security camera. Or maybe the last drone of Google.
In our modern society waste time it is prohibited. I invest it. Seize it. Do not waste it. Produces.
The wheel of progress remains on track. You're nothing but meat for the machine.
Nobody imagines live without smartphone. This mobile has and when you want to realize you are completely trapped ago in their networks. Almost like a spider. And you his prey.
The cities have ceased to be friendly tanks to become human. empty beings roam the streets, dodging cars, bikes and other humans that cross their way to work.
This world no longer moves for love. The status is measured in banknotes and coins are the only means we have to get higher.
And what to do when you realize you do not live in the best of worlds?
Some might say that there are drugs. A quick remedy intravenously. A quick and easy way to eliminate stress, with prisons, with routine and dramas. Aäun being perfectly aware of one thing: not yet invented a powerful enough to calm all our demons drug.
The world is burning and we do not want to see the flames.
Source of information:
The content of the post is a compilation of different sources:
- http://www.playgroundmag.net/noticias/actualidad/igor-morski-ilustraciones-lado_oscuro-sociedad_moderna_0_1739826018.html?utm_source=facebook.com&utm_medium=post&utm_campaign=igor-morski-ilustraciones
Tags: modern society darker side Love fails. Families are rowing in the same direction The cult of beauty society waste time it is prohibited live without smartphone world no longer moves for love The world is burning


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Does beauty matter? Why does the art world have so much trouble talking about it? Join panelists Paul Sutinen, artist, critic and art department chair at Marylhurst University, artists Jacqueline Ehlis and Rita Alves, and Blackfish Gallery Director Damara Bartlett as they debate the merits of beauty and why it is suspect in contemporary art. Poet, playwright and artist Merridawn Duckler moderates. Free and open to the public.
archive listing


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Veteran entrepreneurs — who own 7.5% of the nation's 5.4 million businesses with employees — may need funding at any stage of running a small business. Whether it's to hire new employees, purchase equipment or fund marketing expenses, a small-business loan can help.
Getting financing is not always easy, however. It can be even more difficult for U.S. military veterans, whose financial history may have gaps because of time devoted to active duty.
We've rounded up some of the best small-business loan options online for veteran entrepreneurs.
Best for startups
Lenders generally prefer to do business with established companies that have strong cash flow, and this often disqualifies startups with less than a year of operating history and little revenue.
However, you're not completely out of luck: If you have good personal credit, your options include business credit cards and personal business loans.
Business credit cards typically provide up to $50,000 in revolving credit, meaning you can borrow and repay from the credit card as needed, and only pay interest on withdrawn funds.
Personal loans for business provide a lump sum of cash upfront, with a fixed interest rate and repayment terms.
Both options are unsecured, meaning you won't have to put down collateral — an asset, such as real estate or inventory — to qualify.
Here's more information on other startup financing options for your business.
Best for veteran businesses seeking fast cash
- Loan amount: $2,000 to $250,000.
- APR: 24% to 99%.
- Loan term: 6, 12 or 18 months.
- Funding time: A few minutes to several days.
- Read our Kabbage review.
- 560 minimum personal credit score.
- 1+ year in business.
- $50,000+ in annual revenue.
- A business checking or online payment platform required.
Term Loan
- Loan amount: $5,000 to $500,000.
- APR: 16.7% to 99.4%, as of Q1 2018
- Loan term: Repaid daily or weekly for 3 to 36 months.
- Funding time: As fast as 24 hours but typically a few days.
- Read our OnDeck review.
*APRs change quarterly
- 500+ personal credit score.
- 1+ year in business.
- $100,000+ in annual revenue.
- No bankruptcies in the last two years.
- Personal guarantee required.
Kabbage offers a line of credit. It requires a minimum credit score of 560 and at least $50,000 in annual revenue to qualify.
If your credit score is 500 or higher and your business generates at least $100,000 in annual revenue, you could get a less expensive loan with OnDeck. You'll increase your likelihood of approval if you have a credit score of 660 or higher and $450,000 or more in annual revenue.
Best for veteran businesses seeking working capital
Term Loan
- Loan amount: $2,000 to $250,000
- APR: 9% to 40%
- Loan term: 3 to 36 months
- Funding time: 1 to 5 days
- Read our StreetShares review
- 600+ personal credit score
- 1+ year in business
- $75,000+ in annual revenue
- No bankruptcies in the past three years
- No current tax liens or collections (unless you have proper documentation)
Line of Credit
- Loan amount: $5,000 to $250,000.
- APR: 15% to 78%.
- Loan term: Repaid over 6 or 12 months.
- Funding time: As fast as 24 hours.
- Read our BlueVine review.
Six-month line of credit:
- 600+ personal credit score
- 6+ months in business
- $120,000+ in annual revenue
- Personal guarantee required 12-month line of credit:
- 620+ personal credit score
- At least two years in business
- $450,000+ in annual revenue
- Personal guarantee required
- Not available in North Dakota, South Dakota or Vermont
If you have a personal credit score of at least 600, a year in business and $75,000 in annual revenue, StreetShares is a good option. The company, which is run by the veterans who founded it, limits funding to 20% of your annual revenue. For example, if you earn $300,000 in revenue, you can borrow up to $60,000. StreetShares also offers a separate government contract financing option.
If your business has a limited operating history, consider BlueVine's 6-month line of credit, which allows you to borrow up to $250,000. To qualify, you need a personal credit score of 600 or higher, six months of business history and annual revenue of $120,000. If you have a more-established business, BlueVine also offers a 12-month line of credit, which requires a credit score of at least 620, 2 or more years in business and $450,000 in annual revenue.
Quarterspot is a better option if you need to borrow higher amounts (up to $200,000) and have bad credit. The lender requires a minimum credit score of 550 and doesn't do a hard credit pull, so applying won't hurt your personal credit score.
- Loan amount: $5,000 to $250,000
- APR: 30% to 70%
- Loan term: 6, 9, 12, 15, or 18 months
- Approval time: As fast as 24 hours
- Read our QuarterSpot review
- 550+ personal credit score.
- 1+ years in business.
- $200,000+ in annual revenue.
- Average at least 10 monthly revenue-producing deposits.
- $2,000+ average daily account balance.
Best for veteran businesses seeking expansion financing
SBA 7(a) Loan
- Loan amount: $30,000 to $350,000
- APR: 9.7% to 11.04%
- Loan term: 10 years
- Funding time: As quickly as seven days but typically several weeks
- Read our SmartBiz review
- 600+ personal credit score for loans $30,000 to $150,000
- 650+ personal credit score for loans over $150,000
- At least two years in business
- $50,000+ in annual revenue
- Personal guarantee required
- No outstanding tax liens
- No bankruptcies or foreclosures in past three years
- No recent charge-offs or settlements
- Must be current on government-related loans
If you have an established business and strong finances, SmartBiz is a good option for expansion financing. It provides Small Business Administration loans, which offer some of the lowest borrowing costs in the market and a 10-year repayment term. Veteran entrepreneurs received 4%, or $983 million, of the SBA 7(a) loans approved in the fiscal year ending Sept. 30, according to the SBA.
Qualifying for SmartBiz requires a personal credit score of at least 600 on loans of between $30,000 and $150,000 and a score of at least 650 on loans of more than $150,000.
For purchasing real estate, SmartBiz offers a separate commercial real estate loan.
- Loan amount: $50,000 to $400,000.
- APR: 10% to 25%.
- Loan term: One, two or three years.
- Funding time: Seven days on average.
- Read our Credibility Capital review
- 680+ personal credit score
- 2+ years in business
- $250,000+ in annual revenue
- No bankruptcies in the past 5 years
- Credibility Capital is unavailable to borrowers in Nevada, North Dakota, South Dakota and Vermont.
If you're looking for faster funding for expansion capital, Credibility Capital is a good option. The lender provides financing of up to $350,000. Qualifying requires at least 18 months in business, annual revenue of at least $150,000 and a minimum personal credit score of 650.
Best for businesses with unpaid customer invoices
Invoice financing
- Loan amount: $1,000 to $100,000
- APR: 10.1% to 68.7% for 12 weeks; 11.4% to 78.6% for 24 weeks
- Loan term: Equal repayments over a 12- or 24-week period
- Funding time: As fast as the next business day
- Read our Fundbox review
- No minimum personal credit score required
- Minimum $50,000 annual revenue required
- At least three months of invoicing history in online accounting or bookkeeping software that can link to Fundbox, such as QuickBooks, FreshBooks, Xero, Harvest, Clio, InvoiceASAP, Sage One, Kashoo or Jobber.
Invoice Factoring
- Loan amount: $20,000 to $5 million.
- APR: 15% to 68%.
- Loan term: 1 to 13 weeks
- Funding time: 1 to 3 days.
- Read our BlueVine review.
- 530+ personal credit score
- At least three months in business
- $100,000+ in annual revenue
If your business has unpaid customer invoices, Fundbox and BlueVine are two financing options.
Fundbox's invoice financing works best if you need to borrow up to $100,000 against your invoices. It's also a good option if you have shaky credit: There's no minimum credit score requirement.
If you need to borrow more than $100,000, a better option is BlueVine, which loans up to $5 million. To qualify, you need a personal credit score of at least 530.
VA loans and other financial resources
Veteran-owned businesses can also seek help through the SBA's Veterans Advantage lending program (VA business loans), which provides fee reductions on SBA loans.
Under the VA business loan program, the SBA eliminates upfront fees for eligible borrowers on its signature 7(a) loans of $125,000 or less; reduces fees by 50% on 7(a) loans of between $150,001 and $350,000; and eliminates fees on SBA Express, or fast turnaround, loans of between $150,001 and $350,000.
The SBA doesn't make the loans itself. Instead, the loans are offered through banks, credit unions and other lenders (including lenders partnered with SmartBiz), with the SBA guaranteeing a portion of the loan if the borrower defaults.
To be eligible, small businesses must be at least 51% owned and controlled by honorably discharged and service-disabled veterans, active reservists or National Guard members, and active-duty service members eligible for the Transition Assistance Program, as well as widows and current spouses of service members.
For more information on other financial resources for veterans, check out our list of small-business grants for veterans or personal loans for veterans.
Small-business loans for veterans: Summary of options
Want to compare more small-business loans?