text:
The Nature of the Firm.
In Economic Thought, Economic Institute of the Bulgarian Academy of Sciences, 6/2003, pp. 32-49.
An Interview with Ronald Coase.
Una entrevista amb Ronald Coase.
Catalunya Global 03, translated by Eva Querol.
Collected works published under the title The Firm, the Market, and the Law. Shanghai: 1990.
(Includes The Nature of the Firm (1937), The Federal Communications Commission (1959), The Problem of Social Cost (1961), Industrial Organization: A Research Proposal (1972), The Lighthouse in Economics (1974), The Nature of the Firm: Origin, Meaning, and Influence (1988),The Market for Goods and the Market for Ideas (1974), The New Institutional Economics (1984)).
The Firm, the Market, and the Law.
Translated by Chen, K. M. and Li, H. H. Taipei: Yuan Liou Publishing Company Ltd., 1995.
Essays on Economics and Economists. Shanghai People's Publishing House (simplified characters).
Essays on Economics and Economists. Eco Trend Publishers via Bardon-Chinese Media Agency (complex characters).
How China Became Capitalist (the abridged version in Chinese is titled Changes in China), with Ning Wang. China CITIC Press, 2012. Free online version.
Translated by Hardo Pajula. Pegasus Publishers, 2003.
Translated in the Revue Française d'Economie, 1987, Vol 11,1.
Translated by Yves-Marie Morisette, includes Le problème du coût social and La structure institutionnelle de la production.
The Firm, The Market, and the Law. Diderot, 1997.
The Federal Communications Commission (translation of pp. 12-40 from 2 Journal of Law and Economics 1-40, 1959). Faut-il vendre les fréquences?
L'entreprise, le marché et le droit. Translated by Boualem Aliouat. Éditions d'Organisation. 2005.
The Lighthouse in Economics. Annotated translation by Louis Bertone. 2015.
The Problem of Social Cost.
"Das Problem der sozialen Kosten", in: H-D. Assmann, C. Kirchner, E. Schanze (eds.), Ökonomische Analyse des Rechts. Tübingen: Mohr-Siebeck 1993 (UTB Taschenbücher 1685).
Magyarul megjelent: A vállalat természete. Megjelent: Czakó Erzsébet-Kocsis Károly-Reizer Edit (szerk.) :Szemelvények a "Vállalatgazdaságtan" tanulmányozásához. Aula Kiadó, Budapest, 31-40.
Magyarul megjelent: A vállalat, a piac és a jog. Tankönyvkiadó, Budapest, 2004.
Impresa, Mercato e Dirito. Bologna: Societa Editrice Il Mulino, 1995.
The Firm, The Market, and the Law. Tokyo Keizai Shinposha via The English Agency - Japan, 1992.
The Firm, The Market, and the Law. Translated by Kim and Lee. Junnam University Press, 1998.
The Nature of the Firm. Seoul University Law School Journal.
The Problem of Social Cost. Seoul University Law School Journal.
The Firm, the Market and the Law. Moscow, Delo, 1993.
The Firm, the Market and the Law. Moscow, New York, Telex, 1991.
The Institutional Structure of Production. Vestnik Sanktpeterburgskogo Gosudarstvennogo universiteta. Seria “Ekonomika." 1992. Vypusk 4.
The Nature of the Firm. Vestnik Sanktpeterburgskogo Gosudarstvennogo universiteta. Seria “Ekonomika." 1992. Vypusk 4.
The Nature of the Firm. EKO. 1993. N2. (short variant of translation).
The Nature of the Firm. In The Theory of the Firm: Milestones of Economic Thought. St.Petersburg, Ekonomicheskaya shkola, 1995.
The Firm, the Market and the Law. Chapters from the book. USA: Economy, Policy, Ideology. 1993.
The Nature of the Firm. Origins, Evolution, and Development. Edited by Oliver E. Williamson and Sidney G. Winter. Moscow, Delo, 2001. Chapters 2-5, and Nobel Lecture.
El Problema del Costo Social, Estudios Públicos Nº 45, Chile 1992 (PDF file).
The Market for Goods and the Market for Ideas.
El mercado de los bienes y el mercado de las ideas, Estudios Públicos Nº 45, Chile 1992 (PDF file).
La Naturaleza de la Firma, in Cuervo, Ortigueira y Suárez, 1979, Lecturas de introducción a la economía de la empresa, Pirámide, Madrid.
The Firm, The Market, and the Law. Alianza, 1994.
The Firm, The Market, and the Law. Timbro Forlag, 1992.
Çin Nasil Kapitalist Oldu? BigBang Publishing, Eksi Kitaplar, 2015.

lowercased:
the nature of the firm.
in economic thought, economic institute of the bulgarian academy of sciences, 6/2003, pp. 32-49.
an interview with ronald coase.
una entrevista amb ronald coase.
catalunya global 03, translated by eva querol.
collected works published under the title the firm, the market, and the law. shanghai: 1990.
(includes the nature of the firm (1937), the federal communications commission (1959), the problem of social cost (1961), industrial organization: a research proposal (1972), the lighthouse in economics (1974), the nature of the firm: origin, meaning, and influence (1988),the market for goods and the market for ideas (1974), the new institutional economics (1984)).
the firm, the market, and the law.
translated by chen, k. m. and li, h. h. taipei: yuan liou publishing company ltd., 1995.
essays on economics and economists. shanghai people's publishing house (simplified characters).
essays on economics and economists. eco trend publishers via bardon-chinese media agency (complex characters).
how china became capitalist (the abridged version in chinese is titled changes in china), with ning wang. china citic press, 2012. free online version.
translated by hardo pajula. pegasus publishers, 2003.
translated in the revue française d'economie, 1987, vol 11,1.
translated by yves-marie morisette, includes le problème du coût social and la structure institutionnelle de la production.
the firm, the market, and the law. diderot, 1997.
the federal communications commission (translation of pp. 12-40 from 2 journal of law and economics 1-40, 1959). faut-il vendre les fréquences?
l'entreprise, le marché et le droit. translated by boualem aliouat. éditions d'organisation. 2005.
the lighthouse in economics. annotated translation by louis bertone. 2015.
the problem of social cost.
"das problem der sozialen kosten", in: h-d. assmann, c. kirchner, e. schanze (eds.), ökonomische analyse des rechts. tübingen: mohr-siebeck 1993 (utb taschenbücher 1685).
magyarul megjelent: a vállalat természete. megjelent: czakó erzsébet-kocsis károly-reizer edit (szerk.) :szemelvények a "vállalatgazdaságtan" tanulmányozásához. aula kiadó, budapest, 31-40.
magyarul megjelent: a vállalat, a piac és a jog. tankönyvkiadó, budapest, 2004.
impresa, mercato e dirito. bologna: societa editrice il mulino, 1995.
the firm, the market, and the law. tokyo keizai shinposha via the english agency - japan, 1992.
the firm, the market, and the law. translated by kim and lee. junnam university press, 1998.
the nature of the firm. seoul university law school journal.
the problem of social cost. seoul university law school journal.
the firm, the market and the law. moscow, delo, 1993.
the firm, the market and the law. moscow, new york, telex, 1991.
the institutional structure of production. vestnik sanktpeterburgskogo gosudarstvennogo universiteta. seria “ekonomika." 1992. vypusk 4.
the nature of the firm. vestnik sanktpeterburgskogo gosudarstvennogo universiteta. seria “ekonomika." 1992. vypusk 4.
the nature of the firm. eko. 1993. n2. (short variant of translation).
the nature of the firm. in the theory of the firm: milestones of economic thought. st.petersburg, ekonomicheskaya shkola, 1995.
the firm, the market and the law. chapters from the book. usa: economy, policy, ideology. 1993.
the nature of the firm. origins, evolution, and development. edited by oliver e. williamson and sidney g. winter. moscow, delo, 2001. chapters 2-5, and nobel lecture.
el problema del costo social, estudios públicos nº 45, chile 1992 (pdf file).
the market for goods and the market for ideas.
el mercado de los bienes y el mercado de las ideas, estudios públicos nº 45, chile 1992 (pdf file).
la naturaleza de la firma, in cuervo, ortigueira y suárez, 1979, lecturas de introducción a la economía de la empresa, pirámide, madrid.
the firm, the market, and the law. alianza, 1994.
the firm, the market, and the law. timbro forlag, 1992.
çin nasil kapitalist oldu? bigbang publishing, eksi kitaplar, 2015.


text: This project began with the design of the symbol and stationery system. The symbol is based on the Chinese character Zhong that literally means, “center”. Regardless of what Asian language one speaks, the pictogram itself is an abstract illustration representing of the concept of “center”. The arcs of type and repeated arcs in the graphic elements add brevity to the look & feel and alludes to the intersection of old and new, east and west, traditional and contemporary etcetera.

lowercased: this project began with the design of the symbol and stationery system. the symbol is based on the chinese character zhong that literally means, “center”. regardless of what asian language one speaks, the pictogram itself is an abstract illustration representing of the concept of “center”. the arcs of type and repeated arcs in the graphic elements add brevity to the look & feel and alludes to the intersection of old and new, east and west, traditional and contemporary etcetera.


text:
Going to Sweden, take care of your transportation in advance.
Bus Transfer Malmo offers you to take advantage of the most interesting and profitable offer to rent a minibus or minivan bus for your transfer.
This can be as an airport transfer for groups of 4 to 65 people or any transfer you need.
Your group will be picked up at point A and will be transported to point B and, if necessary, back.
In this case, you don't need to reserve a bus for a while and this is much cheaper.
For Bus Transfer Malmo we have prepared a special fleet of vehicles.
You can arrange a high-level meeting to meet a group of tourists and send it to the hotel or sightseeing.
For you there are available large Setra buses, modern and reliable, easily accommodating a group of 60 people.
Also comfortable and comfortable microbuses and minivans Mercedes Benz are just perfect for small delegations.
All transport is in perfect technical condition, constantly undergoes checks.
Our drivers are highly professional specialists who know the area and speak English very well. Call and find out more!

lowercased:
going to sweden, take care of your transportation in advance.
bus transfer malmo offers you to take advantage of the most interesting and profitable offer to rent a minibus or minivan bus for your transfer.
this can be as an airport transfer for groups of 4 to 65 people or any transfer you need.
your group will be picked up at point a and will be transported to point b and, if necessary, back.
in this case, you don't need to reserve a bus for a while and this is much cheaper.
for bus transfer malmo we have prepared a special fleet of vehicles.
you can arrange a high-level meeting to meet a group of tourists and send it to the hotel or sightseeing.
for you there are available large setra buses, modern and reliable, easily accommodating a group of 60 people.
also comfortable and comfortable microbuses and minivans mercedes benz are just perfect for small delegations.
all transport is in perfect technical condition, constantly undergoes checks.
our drivers are highly professional specialists who know the area and speak english very well. call and find out more!


text:
Regent University is one of the nation's academic centers for Christian thought and action, with a multitude of on-campus and online programs available worldwide. Our academic standards for both our graduate and undergraduate programs are high and our programs rigorous. But what sets Regent apart is our mission to prepare capable men and women to excel both in mind and spirit. Our students, faculty and administrators share a calling, founded on biblical principles, to make a significant difference in our communities, our cities, our nation and our world.
When Dr. M.G. “Pat” Robertson, Regent president and chancellor, established the university in 1978, he envisioned a high-caliber institution that would attract a leadership team brimming with superior professional experience and extraordinary academic credentials. In just three decades, that vision is being fulfilled. Distinguished faculty and guest lecturers include John Ashcroft, former U.S. Attorney General; Vern Clark, former Chief of Naval Operations; Steve Forbes, president and CEO of Forbes, Inc. and others. Regent also exposes students to speakers who are front and center on some of the most important issues of our time. Nationally covered events such as Clash of the Titans®, The Ronald Reagan Symposium and Executive Leadership Series, allow students and the greater community to learn firsthand from major world and national leaders about today's most pressing issues. The combination of committed leaders and diligent students has produced alumni who occupy strategic positions in a multitude of venues worldwide. They take seriously their call to lead and serve others and excel in their professions, which include Virginia Attorney General, Louisiana State Senator, National Middle School Principal of the Year, Hollywood screenwriters, National Milken Educator Award Winner and Assistant Secretary of Labor.
The 21st century offers an opportunity unparalleled in human history. A new generation of highly skilled leaders is impacting the global landscape. As we continue to nurture a vibrant academic community fully engaged in excellence, integrity and innovation in every sphere, Regent University stands ready to equip and empower Christian leaders who will change the world.
I attended the Regent Business Grad School (now called the "School of Global Leadership and Entrepreneurship") in the late 1990's, and it was a very good school and continue to hear good things. The campus and facilities are first-rate. They now have an undergraduate program as well.
Even though the school was started by Pat Robertson, it is not as tied with CBN/700 Club as other Christian schools are with their founder's ministries. It is on the same grounds as CBN but very separate. I only went to a couple of 700 Club viewings while I was there and most students never went to any.
Virginia Beach is an awesome place to live for a few years, and I loved going to the beach! At least back then the social life in the grad school wasn't as much as I was used to in college, but I think things have changed with the undergrad program there now.
Overall a great school in a great place to live...and with good distance education as well. Strong Biblical values and a good mix of students from various denominations and backgrounds.

lowercased:
regent university is one of the nation's academic centers for christian thought and action, with a multitude of on-campus and online programs available worldwide. our academic standards for both our graduate and undergraduate programs are high and our programs rigorous. but what sets regent apart is our mission to prepare capable men and women to excel both in mind and spirit. our students, faculty and administrators share a calling, founded on biblical principles, to make a significant difference in our communities, our cities, our nation and our world.
when dr. m.g. “pat” robertson, regent president and chancellor, established the university in 1978, he envisioned a high-caliber institution that would attract a leadership team brimming with superior professional experience and extraordinary academic credentials. in just three decades, that vision is being fulfilled. distinguished faculty and guest lecturers include john ashcroft, former u.s. attorney general; vern clark, former chief of naval operations; steve forbes, president and ceo of forbes, inc. and others. regent also exposes students to speakers who are front and center on some of the most important issues of our time. nationally covered events such as clash of the titans®, the ronald reagan symposium and executive leadership series, allow students and the greater community to learn firsthand from major world and national leaders about today's most pressing issues. the combination of committed leaders and diligent students has produced alumni who occupy strategic positions in a multitude of venues worldwide. they take seriously their call to lead and serve others and excel in their professions, which include virginia attorney general, louisiana state senator, national middle school principal of the year, hollywood screenwriters, national milken educator award winner and assistant secretary of labor.
the 21st century offers an opportunity unparalleled in human history. a new generation of highly skilled leaders is impacting the global landscape. as we continue to nurture a vibrant academic community fully engaged in excellence, integrity and innovation in every sphere, regent university stands ready to equip and empower christian leaders who will change the world.
i attended the regent business grad school (now called the "school of global leadership and entrepreneurship") in the late 1990's, and it was a very good school and continue to hear good things. the campus and facilities are first-rate. they now have an undergraduate program as well.
even though the school was started by pat robertson, it is not as tied with cbn/700 club as other christian schools are with their founder's ministries. it is on the same grounds as cbn but very separate. i only went to a couple of 700 club viewings while i was there and most students never went to any.
virginia beach is an awesome place to live for a few years, and i loved going to the beach! at least back then the social life in the grad school wasn't as much as i was used to in college, but i think things have changed with the undergrad program there now.
overall a great school in a great place to live...and with good distance education as well. strong biblical values and a good mix of students from various denominations and backgrounds.


text:
Scholarships will be awarded based on need - for those who wish to attend but do not have funding available within their department or institution. Eligible applicants must be students, postdoctoral fellows, technicians, clinical fellows, or instructors.
Applications will be accepted online only - complete the submission form by following the link below. Applications will be accepted through May 15 - this deadline will be strictly adhered to - thank you.
The number of scholarships will be based on available funding, awards may be up to $1,000 and can ONLY be used for conference-related expenses. This is limited to conference travel, registration, hotel, and workshop fees.
Please provide a layman summary of your project. (Describe in 300 words, the disease or basic scientific question that you are investigating, the hypothesis, methods used, results and conclusions).
The above documents should be in pdf format, documents should be uploaded to the online submission.
It is NOT necessary to submit an abstract to qualify for the scholarship. However, we encourage all attendees to submit an abstract. See "Submit an Abstract" in the left menu.
Please note: scholarship recipients will be required to provide receipts for their expenses and funds will be reimbursements. Checks will be issued after the meeting.

lowercased:
scholarships will be awarded based on need - for those who wish to attend but do not have funding available within their department or institution. eligible applicants must be students, postdoctoral fellows, technicians, clinical fellows, or instructors.
applications will be accepted online only - complete the submission form by following the link below. applications will be accepted through may 15 - this deadline will be strictly adhered to - thank you.
the number of scholarships will be based on available funding, awards may be up to $1,000 and can only be used for conference-related expenses. this is limited to conference travel, registration, hotel, and workshop fees.
please provide a layman summary of your project. (describe in 300 words, the disease or basic scientific question that you are investigating, the hypothesis, methods used, results and conclusions).
the above documents should be in pdf format, documents should be uploaded to the online submission.
it is not necessary to submit an abstract to qualify for the scholarship. however, we encourage all attendees to submit an abstract. see "submit an abstract" in the left menu.
please note: scholarship recipients will be required to provide receipts for their expenses and funds will be reimbursements. checks will be issued after the meeting.


text:
The most essential element to survival and combat power is preparation and knowledge. Without the two we know that when it comes time to fight for our lives, that knowledge in first aid and basic survival are a MUST. We MUST plan now and educate, that is why the women of WAU have decided to compile into a book and share one of our most successful publications: INSTINCT – Your guide to survival.
Instinct may appear to be a little militant for some women, but we are heading for those times again. There are many unknown or unfamiliar things that may occur, so at least with some basic knowledge you are less likely to panic, for if you do, you are already of no use to anyone.
Although this book is available for free download, we advise you to print it out and read it completely so that you can learn, take in and fully understand everything. This is really about the content and not pretty images, it is not meant to be for online fast reading, it is made to educate you, to guide you in how to be ready if and when the time comes, and it may save your life or your family’s life one day!
If you just want to get your free digital copy, click here!
The best defense is an attack!

lowercased:
the most essential element to survival and combat power is preparation and knowledge. without the two we know that when it comes time to fight for our lives, that knowledge in first aid and basic survival are a must. we must plan now and educate, that is why the women of wau have decided to compile into a book and share one of our most successful publications: instinct – your guide to survival.
instinct may appear to be a little militant for some women, but we are heading for those times again. there are many unknown or unfamiliar things that may occur, so at least with some basic knowledge you are less likely to panic, for if you do, you are already of no use to anyone.
although this book is available for free download, we advise you to print it out and read it completely so that you can learn, take in and fully understand everything. this is really about the content and not pretty images, it is not meant to be for online fast reading, it is made to educate you, to guide you in how to be ready if and when the time comes, and it may save your life or your family’s life one day!
if you just want to get your free digital copy, click here!
the best defense is an attack!


text:
The goal for all sheep producers is to reduce the impact of flystrike on flock welfare and productivity.
For producers who have decided to phase out mulesing, the goal is to breed a flock that has low susceptibility to breech strike and can be managed effectively without the need for mulesing.
Breech wrinkle and body wrinkle traits are closely related and highly heritable (as heritable as body weight, staple strength, and staple length). Also, dag, breech cover and wool colour are moderately heritable. This means that there are substantial opportunities for producers to breed more flystrike resistant sheep and phase out the practice of mulesing.
The fastest way to breed a flock with low susceptibility to breech flystrike will depend on your region.
Select rams with favourable Australian Sheep Breeding Values (ASBVs) for wrinkle or low visual wrinkle scores.
Score ewes for wrinkle and segment them based on flystrike risk. Apply culling and joining strategies that will rapidly reduce the proportion of high wrinkle score sheep in the flock.
Apply other management procedures that will reduce the risk of flystrike, particularly in the early stages of a breeding program if susceptibility to breech flystrike is high.
Follow the 3 points above AND include selection for dag.
Some of these areas, such as WA and SA, are more likely to already have plainer (less wrinkled sheep) and dag is the major risk factor for flystrike.
Body strike can also be reduced using similar strategies to those discussed above for breech strike. Fleece rot is the primary selection trait to breed for reduced susceptibility to body strike. Fleece rot is moderately heritable therefore like breech strike there is a great deal of opportunity to reduce body strike using breeding strategies.
At this stage there are no ASBVs for fleece rot although they are expected to be available in the near future. The expression of fleece rot is significantly affected by seasonal conditions therefore ASBVs will be a great benefit for across- year and across-flock selection. Until ASBVs are available to select rams and when selecting flock ewes, select relative to the average expression in the group of sheep rather than to a particular score. Highly resistant flocks may have the luxury of only selecting Score 1 (no fleece rot) sheep.

lowercased:
the goal for all sheep producers is to reduce the impact of flystrike on flock welfare and productivity.
for producers who have decided to phase out mulesing, the goal is to breed a flock that has low susceptibility to breech strike and can be managed effectively without the need for mulesing.
breech wrinkle and body wrinkle traits are closely related and highly heritable (as heritable as body weight, staple strength, and staple length). also, dag, breech cover and wool colour are moderately heritable. this means that there are substantial opportunities for producers to breed more flystrike resistant sheep and phase out the practice of mulesing.
the fastest way to breed a flock with low susceptibility to breech flystrike will depend on your region.
select rams with favourable australian sheep breeding values (asbvs) for wrinkle or low visual wrinkle scores.
score ewes for wrinkle and segment them based on flystrike risk. apply culling and joining strategies that will rapidly reduce the proportion of high wrinkle score sheep in the flock.
apply other management procedures that will reduce the risk of flystrike, particularly in the early stages of a breeding program if susceptibility to breech flystrike is high.
follow the 3 points above and include selection for dag.
some of these areas, such as wa and sa, are more likely to already have plainer (less wrinkled sheep) and dag is the major risk factor for flystrike.
body strike can also be reduced using similar strategies to those discussed above for breech strike. fleece rot is the primary selection trait to breed for reduced susceptibility to body strike. fleece rot is moderately heritable therefore like breech strike there is a great deal of opportunity to reduce body strike using breeding strategies.
at this stage there are no asbvs for fleece rot although they are expected to be available in the near future. the expression of fleece rot is significantly affected by seasonal conditions therefore asbvs will be a great benefit for across- year and across-flock selection. until asbvs are available to select rams and when selecting flock ewes, select relative to the average expression in the group of sheep rather than to a particular score. highly resistant flocks may have the luxury of only selecting score 1 (no fleece rot) sheep.


text:
While it may not seem like Southern California gets enough rain to cause flood damage, that isn't the case. Actually, because Southern California is a desert area, it is often unprepared for massive deluges of water. When the weather brings more rain than expected or a water line breaks in a neighborhood, the water damage to homes can be extreme and costly. For example, just this February, two cars fell into a 20-foot sinkhole in Studio City after a huge winter storm rolled in. Flooding is the most common natural disaster in the United States, and it can affect every region.
To help answer some questions, our attorneys at Schimmel & Parks, APLC, have assembled some frequently asked questions about flood damage and insurance claims.
1. What Is Flood Damage?
Flood damage is a complete documentation of direct and indirect costs associated with flooding. Direct costs are those connected to a flood event and the resulting loss. For example, if a flood knocks over a deck in your backyard, it would be considered direct damage. Indirect costs are incurred in an extended time period following a flood, such as loss of business and personal income, reduction in property values and psychological trauma.
2. What Should I Do If My Property Is Damaged In A Flood?
As soon as the floodwater levels have dropped, you need to start the recovery process by filing a flood damage claim. Flood insurance can make all the difference between recovering from the disaster and becoming financially devastated by the event.
3. What Documents Should I Have Ready When Filing A Flood Damage Claim?
Make sure to have a copy of your insurance policies, including homeowner's insurance, umbrella, auto, business, earthquake and so on. These should include declarations pages, endorsements and any related paperwork. You should also document the damage in your home by taking photographs of everything, damaged and not damaged.
4. Can I File A Flood Claim Without A Presidential Disaster Declaration?
You can file a flood claim whether or not the president declares an emergency situation. If you have flood damage insurance on your home or apartment, you are covered regardless of presidential support.
5. How Do I File A Flood Claim?
In order to file, you need to begin by calling your insurer and informing them you have experienced flood damage. An adjuster should contact you within a few days of filing your claim. If you don't hear from an adjuster, you can contact your insurance agent or company again. You can use the photos taken of the damage in the claims process. Make sure to make copies of these pictures in case they get lost in the mail. You might also need to make a list of damaged or lost items and include their date of purchase, value and receipts, if possible. You also will then need to complete a Proof of Loss to support your claim, which is a sworn statement of the amount you are claiming for your official claim for damages.
Typically, your insurance provider will inform you of your statute of limitations for filing a property damage claim. The state of California requires homeowners to file a claim within three years of the damage. However, a Proof of Loss statement will likely need to be filed with the insurance company within 60 days of the flood. If you go past your statute of limitations, the company has no obligations to compensate you for the damage.
7. What Happens If I Miss The Deadline To File?
While you can still try to file a property damage lawsuit after the three-year deadline, the courts will likely dismiss the case. The only exceptions are in rare cases, where exemptions from the deadline applies. For example, if you were under the age of 18 (meaning you lacked the legal capacity to make decisions), you could still file a claim for property damage if your parents failed to do so.
8. What If I'm Unhappy With The Compensation Amount?
If the insurance company offered you less than you expected or rejected your claim completely, you could file an appeal. You might need the help of an experienced Southern California property damage attorney to help build your case and guide you through the appeal proceedings. Appeals also have a statute of limitations, so make sure you take action as soon as you are informed of the amount or the denial. For more exceptions to the deadline, speak to one of our experienced property damage attorneys.
Do You Have More Questions? Talk To Us Today!
If you need to file a claim, or you need to appeal an insurance company's denial of your request, don't hesitate to call us. Our skilled Southern California civil litigation lawyers have developed a reputation for providing high-quality legal advocacy to people in the Southern California region. Schimmel & Parks, APLC, has more than 60 years of combined legal experience to offer your case. Let us see what we can do for you.
Contact us at 818-528-6858 or fill out our online form to schedule an initial consultation today.

lowercased:
while it may not seem like southern california gets enough rain to cause flood damage, that isn't the case. actually, because southern california is a desert area, it is often unprepared for massive deluges of water. when the weather brings more rain than expected or a water line breaks in a neighborhood, the water damage to homes can be extreme and costly. for example, just this february, two cars fell into a 20-foot sinkhole in studio city after a huge winter storm rolled in. flooding is the most common natural disaster in the united states, and it can affect every region.
to help answer some questions, our attorneys at schimmel & parks, aplc, have assembled some frequently asked questions about flood damage and insurance claims.
1. what is flood damage?
flood damage is a complete documentation of direct and indirect costs associated with flooding. direct costs are those connected to a flood event and the resulting loss. for example, if a flood knocks over a deck in your backyard, it would be considered direct damage. indirect costs are incurred in an extended time period following a flood, such as loss of business and personal income, reduction in property values and psychological trauma.
2. what should i do if my property is damaged in a flood?
as soon as the floodwater levels have dropped, you need to start the recovery process by filing a flood damage claim. flood insurance can make all the difference between recovering from the disaster and becoming financially devastated by the event.
3. what documents should i have ready when filing a flood damage claim?
make sure to have a copy of your insurance policies, including homeowner's insurance, umbrella, auto, business, earthquake and so on. these should include declarations pages, endorsements and any related paperwork. you should also document the damage in your home by taking photographs of everything, damaged and not damaged.
4. can i file a flood claim without a presidential disaster declaration?
you can file a flood claim whether or not the president declares an emergency situation. if you have flood damage insurance on your home or apartment, you are covered regardless of presidential support.
5. how do i file a flood claim?
in order to file, you need to begin by calling your insurer and informing them you have experienced flood damage. an adjuster should contact you within a few days of filing your claim. if you don't hear from an adjuster, you can contact your insurance agent or company again. you can use the photos taken of the damage in the claims process. make sure to make copies of these pictures in case they get lost in the mail. you might also need to make a list of damaged or lost items and include their date of purchase, value and receipts, if possible. you also will then need to complete a proof of loss to support your claim, which is a sworn statement of the amount you are claiming for your official claim for damages.
typically, your insurance provider will inform you of your statute of limitations for filing a property damage claim. the state of california requires homeowners to file a claim within three years of the damage. however, a proof of loss statement will likely need to be filed with the insurance company within 60 days of the flood. if you go past your statute of limitations, the company has no obligations to compensate you for the damage.
7. what happens if i miss the deadline to file?
while you can still try to file a property damage lawsuit after the three-year deadline, the courts will likely dismiss the case. the only exceptions are in rare cases, where exemptions from the deadline applies. for example, if you were under the age of 18 (meaning you lacked the legal capacity to make decisions), you could still file a claim for property damage if your parents failed to do so.
8. what if i'm unhappy with the compensation amount?
if the insurance company offered you less than you expected or rejected your claim completely, you could file an appeal. you might need the help of an experienced southern california property damage attorney to help build your case and guide you through the appeal proceedings. appeals also have a statute of limitations, so make sure you take action as soon as you are informed of the amount or the denial. for more exceptions to the deadline, speak to one of our experienced property damage attorneys.
do you have more questions? talk to us today!
if you need to file a claim, or you need to appeal an insurance company's denial of your request, don't hesitate to call us. our skilled southern california civil litigation lawyers have developed a reputation for providing high-quality legal advocacy to people in the southern california region. schimmel & parks, aplc, has more than 60 years of combined legal experience to offer your case. let us see what we can do for you.
contact us at 818-528-6858 or fill out our online form to schedule an initial consultation today.


text:
As WTI Surges, Is This the "New Normal" for Oil Prices?
As WTI Surges, Is This the “New Normal” for Oil Prices?
After 735 consecutive daily trading sessions, one of the market’s longest streaks ended on Friday.
For the first time since August 16, 2010, West Texas Intermediate (the daily benchmark crude rate on the NYMEX) priced slightly higher than North Sea Brent (the equivalent benchmark in London).
The spread that existed for so long between the two had finally disappeared.
Admittedly, this “new normal” didn’t come as a shock. The spread between the two had been narrowing and the inevitable onset of parity – and even a slight premium for WTI – had been expected.
And yes, you can be sure there will be fluctuations moving forward, like yesterday when Brent traded at a slightly more expensive price.
But absent any major outside (i.e., exogenous as it is often termed in the business) event, the closing of this long-time spread has created one important outcome: a more favorable pricing environment for the U.S. benchmark.
In these conditions, the price of WTI should continue to climb.
Traditionally, a better pricing environment for WTI would have been expected (at least prior to August 2010). Because while both WTI and Brent are “sweeter” (that is, having less sulfur content) than almost 80% of all oil traded globally, WTI is actually a slightly better grade of crude.
That would mean, while most of the world’s oil would trade at a discount to both benchmarks, WTI should be priced higher than Brent.
However, of the two, Brent is clearly a more global standard than WTI. More trades internationally are discounted to Brent than any other benchmark.
And that combined with inventory problems in the U.S. are the primary reasons why the spread in favor of Brent lasted as long as it did. The well-publicized oil glut in Cushing, OK was as the “poster child” for these supply-side problems.
Cushing is the primary crude oil pipeline hub in the states. It is the location where the price of WTI is actually determined each day for NYMEX-traded futures contracts.
The ongoing problem was more oil was being produced than could be moved. As a result, the storage facilities at Cushing maxed out causing pipeline capacity to be used for stockpiling oil rather than transporting it.
When these sorts of conditions occur in an environment of stagnant demand, the result is downward pressure on oil prices.
Some of the Brent-WTI spread, therefore, was not a result of either benchmark’s usage so much as it was a reflection on a backup in the transiting of U.S.-based production.
In the absence of this glut, WTI has been surging of late, outdistancing the increases in Brent.
By July 19, WTI was $108.47 a barrel, higher than for any daily trading session since March 1. Meanwhile, Brent hit $109.04 a few days earlier (July 16), higher than any day since March 28.
As the spread now straddles parity, market dynamics themselves will continue the movement of prices in favor of WTI.
Of course, rising tensions in the MENA states (Middle East and North Africa) could change that in short order. Hiccups in crude exports from the MENA region tend to put almost immediate pressures on Western Europe. That would accelerate Brent prices.
Nonetheless, the vanishing of the spread has some direct impacts on oil markets.
One will be to put a new upward direction on WTI. Assuming the glut at Cushing continues to diminish (and remember that very reduction in stockpiles is itself a reason for the narrowing of the spread), the price of WTI will be rising.
Demand, though, is certainly another aspect of the situation. But even here we have yet another wrinkle. It has to do with the price of gasoline.
As of the close on Friday (July 19), RBOB futures had risen 14.3% for the month. RBOB stands for “Reformulated Blendstock for Oxygenate Blending,” the NYMEX traded high-octane gasoline futures contract.
This double-digit move occurred despite an overall leveling off of domestic demand.
Now, I have explained the factors converging in a rise of gasoline prices at the refinery level in OEI before (“A Big Time Squeeze for Refineries is About to Begin“). The “four whammies” I discussed there continue to place renewed pressure on refinery margins.
In addition, the federal requirement that 10% of retail gasoline include ethanol (slated for an increase to 15% without Congressional intervention) has also prompted a gas price spike. This is due to higher prices for corn (a major result of the pronounced drought in the U.S. midlands), from which the American market obtains most of its ethanol production.
Those rising prices, however, are also a reflection of the genuinely global market for oil products. More and more U.S. production is now being exported to developing markets where both demand and prevailing retail prices are much higher.
The current rise in WTI, therefore, is in large measure simply a reflection of what the pricing levels ought to be in a market not beset with a glut at Cushing. Higher refinery prices for oil products sent abroad are still below pricing levels elsewhere.
In other words, rising domestic prices in the U.S. are offset by rising exports. This is the starkest reality of how the retail end is impacted by parity between WTI and Brent.
The added element is the fact that a narrow differential between the two primary oil benchmarks may now be the “new normal” in crude pricing.
Initially, the onset of ongoing parity will provide profit opportunities in two distinct categories of companies that I have mentioned before.
First, while U.S. oil production will benefit from any nod to WTI, some companies will fare better than others. They include well-managed, mid-sized operators working in selected basins. Companies like this will simply provide better profits.
For example, there are producing fields in East Texas, Oklahoma, and Alaska where the crude lifted is actually priced higher than WTI.
Many of them are operated by small companies that have lifting rates below the threshold larger companies require. Larger producers often require higher daily volume figures to justify higher levels of overhead.
On the other hand well-run, focused, smaller companies do not. It’s a case where bigger is not always better in the oil business.
The second opportunity is in U.S.-based midstream companies that provide gathering, initial treatment, terminal, storage, and transit services to upstream producers.
As the spread disappears and the premium falls upon WTI, you can expect well-positioned midstreams to realize added profits from all of these pass-through elements.
These services are the essential lynchpins in the upstream (wellhead) to downstream (refining and distribution) movement of oil.
So while the streak may have ended, the opportunities in the oil markets have only just begun. The bull market in energy is still just warming up.
Kent’s comments are accurate, informative and educational. Understandable after careful reading and reviewing.
I wish he would not be so professorial in writing. At times, as a 90 year old former dentist, I feel that I’m again reading medical and anatomical material. I’m sure that my financial knowledge is also part of my problem.
I’m glad to hear that the investment side of the picture will be improving, but where the hell are gasoline prices going, i.e. how high should we expect regular unleaded to be for the rest of 2013?
Does the summer Driving Season have anything to do with this?
Finding other sources for ethanol is important, maybe even switchgrass?!
My investig is geared towards the long term, expecting that demand for hydrocarbons and all other commodities, will increase a lot.
It seems like the glut would just be moved from one location (Cushing) to another (Gulf Coast?) since it is against the law to export oil and it is my understanding that the refineries were/are pretty much running at full capacity. Does it push aside imported oil at the refineries? But still, wouldn’t the increase in usable supply bring down the price of oil? Perhaps it’s because the discount that existed for WTI was due to the fact that anyone who bought it before would have to contend with storing it somewhere or transporting it from Cushing?
If the lack of demand, i.e. Chushing OK oil tanks full and the pipe as well, caused the unbalance in WTI with Brent, where did all that oil go? From the Petroleum & Other Liquids website, I note only a small decrease in the oil storage.
Am I getting this wrong, I don’t see the connection as the trend has been an increase in storage, even with some new capacity and an increase from 100,000 to 400,00 bbl with the new pipe line.
Maybe you can set me right on this.

lowercased:
as wti surges, is this the "new normal" for oil prices?
as wti surges, is this the “new normal” for oil prices?
after 735 consecutive daily trading sessions, one of the market’s longest streaks ended on friday.
for the first time since august 16, 2010, west texas intermediate (the daily benchmark crude rate on the nymex) priced slightly higher than north sea brent (the equivalent benchmark in london).
the spread that existed for so long between the two had finally disappeared.
admittedly, this “new normal” didn’t come as a shock. the spread between the two had been narrowing and the inevitable onset of parity – and even a slight premium for wti – had been expected.
and yes, you can be sure there will be fluctuations moving forward, like yesterday when brent traded at a slightly more expensive price.
but absent any major outside (i.e., exogenous as it is often termed in the business) event, the closing of this long-time spread has created one important outcome: a more favorable pricing environment for the u.s. benchmark.
in these conditions, the price of wti should continue to climb.
traditionally, a better pricing environment for wti would have been expected (at least prior to august 2010). because while both wti and brent are “sweeter” (that is, having less sulfur content) than almost 80% of all oil traded globally, wti is actually a slightly better grade of crude.
that would mean, while most of the world’s oil would trade at a discount to both benchmarks, wti should be priced higher than brent.
however, of the two, brent is clearly a more global standard than wti. more trades internationally are discounted to brent than any other benchmark.
and that combined with inventory problems in the u.s. are the primary reasons why the spread in favor of brent lasted as long as it did. the well-publicized oil glut in cushing, ok was as the “poster child” for these supply-side problems.
cushing is the primary crude oil pipeline hub in the states. it is the location where the price of wti is actually determined each day for nymex-traded futures contracts.
the ongoing problem was more oil was being produced than could be moved. as a result, the storage facilities at cushing maxed out causing pipeline capacity to be used for stockpiling oil rather than transporting it.
when these sorts of conditions occur in an environment of stagnant demand, the result is downward pressure on oil prices.
some of the brent-wti spread, therefore, was not a result of either benchmark’s usage so much as it was a reflection on a backup in the transiting of u.s.-based production.
in the absence of this glut, wti has been surging of late, outdistancing the increases in brent.
by july 19, wti was $108.47 a barrel, higher than for any daily trading session since march 1. meanwhile, brent hit $109.04 a few days earlier (july 16), higher than any day since march 28.
as the spread now straddles parity, market dynamics themselves will continue the movement of prices in favor of wti.
of course, rising tensions in the mena states (middle east and north africa) could change that in short order. hiccups in crude exports from the mena region tend to put almost immediate pressures on western europe. that would accelerate brent prices.
nonetheless, the vanishing of the spread has some direct impacts on oil markets.
one will be to put a new upward direction on wti. assuming the glut at cushing continues to diminish (and remember that very reduction in stockpiles is itself a reason for the narrowing of the spread), the price of wti will be rising.
demand, though, is certainly another aspect of the situation. but even here we have yet another wrinkle. it has to do with the price of gasoline.
as of the close on friday (july 19), rbob futures had risen 14.3% for the month. rbob stands for “reformulated blendstock for oxygenate blending,” the nymex traded high-octane gasoline futures contract.
this double-digit move occurred despite an overall leveling off of domestic demand.
now, i have explained the factors converging in a rise of gasoline prices at the refinery level in oei before (“a big time squeeze for refineries is about to begin“). the “four whammies” i discussed there continue to place renewed pressure on refinery margins.
in addition, the federal requirement that 10% of retail gasoline include ethanol (slated for an increase to 15% without congressional intervention) has also prompted a gas price spike. this is due to higher prices for corn (a major result of the pronounced drought in the u.s. midlands), from which the american market obtains most of its ethanol production.
those rising prices, however, are also a reflection of the genuinely global market for oil products. more and more u.s. production is now being exported to developing markets where both demand and prevailing retail prices are much higher.
the current rise in wti, therefore, is in large measure simply a reflection of what the pricing levels ought to be in a market not beset with a glut at cushing. higher refinery prices for oil products sent abroad are still below pricing levels elsewhere.
in other words, rising domestic prices in the u.s. are offset by rising exports. this is the starkest reality of how the retail end is impacted by parity between wti and brent.
the added element is the fact that a narrow differential between the two primary oil benchmarks may now be the “new normal” in crude pricing.
initially, the onset of ongoing parity will provide profit opportunities in two distinct categories of companies that i have mentioned before.
first, while u.s. oil production will benefit from any nod to wti, some companies will fare better than others. they include well-managed, mid-sized operators working in selected basins. companies like this will simply provide better profits.
for example, there are producing fields in east texas, oklahoma, and alaska where the crude lifted is actually priced higher than wti.
many of them are operated by small companies that have lifting rates below the threshold larger companies require. larger producers often require higher daily volume figures to justify higher levels of overhead.
on the other hand well-run, focused, smaller companies do not. it’s a case where bigger is not always better in the oil business.
the second opportunity is in u.s.-based midstream companies that provide gathering, initial treatment, terminal, storage, and transit services to upstream producers.
as the spread disappears and the premium falls upon wti, you can expect well-positioned midstreams to realize added profits from all of these pass-through elements.
these services are the essential lynchpins in the upstream (wellhead) to downstream (refining and distribution) movement of oil.
so while the streak may have ended, the opportunities in the oil markets have only just begun. the bull market in energy is still just warming up.
kent’s comments are accurate, informative and educational. understandable after careful reading and reviewing.
i wish he would not be so professorial in writing. at times, as a 90 year old former dentist, i feel that i’m again reading medical and anatomical material. i’m sure that my financial knowledge is also part of my problem.
i’m glad to hear that the investment side of the picture will be improving, but where the hell are gasoline prices going, i.e. how high should we expect regular unleaded to be for the rest of 2013?
does the summer driving season have anything to do with this?
finding other sources for ethanol is important, maybe even switchgrass?!
my investig is geared towards the long term, expecting that demand for hydrocarbons and all other commodities, will increase a lot.
it seems like the glut would just be moved from one location (cushing) to another (gulf coast?) since it is against the law to export oil and it is my understanding that the refineries were/are pretty much running at full capacity. does it push aside imported oil at the refineries? but still, wouldn’t the increase in usable supply bring down the price of oil? perhaps it’s because the discount that existed for wti was due to the fact that anyone who bought it before would have to contend with storing it somewhere or transporting it from cushing?
if the lack of demand, i.e. chushing ok oil tanks full and the pipe as well, caused the unbalance in wti with brent, where did all that oil go? from the petroleum & other liquids website, i note only a small decrease in the oil storage.
am i getting this wrong, i don’t see the connection as the trend has been an increase in storage, even with some new capacity and an increase from 100,000 to 400,00 bbl with the new pipe line.
maybe you can set me right on this.


text: Coleman Temple Church of God In Christ can be found at 2405 Bay St . The following is offered: Churches . In Saginaw there are 45 other Churches. An overview can be found here.

lowercased: coleman temple church of god in christ can be found at 2405 bay st . the following is offered: churches . in saginaw there are 45 other churches. an overview can be found here.


text:
Through the lens in Norway.
The Tamok valley is a few hours’ drive from Tromsø in northern Norway where there are hundreds of mountains for freeskiers to conquer. Háhttagáisi is one of the more recognisable mountains in the valley. It takes hours to ascend to the top. On this “warm” and sunny day, I wore only a t-shirt (and ski pants, of course) on the ascent, but once I reached the peak the climate changed and on went the down jacket. The descent is amazing despite the variable snow conditions.
−Otto Ponto is a photographer and journalist based in Finnish Lapland and the Barents Sea.

lowercased:
through the lens in norway.
the tamok valley is a few hours’ drive from tromsø in northern norway where there are hundreds of mountains for freeskiers to conquer. háhttagáisi is one of the more recognisable mountains in the valley. it takes hours to ascend to the top. on this “warm” and sunny day, i wore only a t-shirt (and ski pants, of course) on the ascent, but once i reached the peak the climate changed and on went the down jacket. the descent is amazing despite the variable snow conditions.
−otto ponto is a photographer and journalist based in finnish lapland and the barents sea.


text:
The AEM 21-699C fits some Mini Cooper S, and Mini Cooper S Clubman models. See vehicle applications for details.
The AEM 21-699C Performance Cold Air Intake System produces horsepower and torque gains by replacing your vehicle’s restrictive factory air filter and air intake housing. This air intake system was designed, tuned and dyno-tested to fit specific Mini Cooper S and S Clubman models. Air enters the system through an oversized AEM Dryflow synthetic washable air filter for outstanding air flow, filtration and performance. The air filter is protected by a heat shield and a replacement air box with a fully opened hood scoop which is designed to reduce intake air temperature and increase horsepower. The intake tubing is constructed from mandrel-bent aluminum featuring a durable gunmetal gray powder coated finish. This air intake system was developed to accommodate the engine’s factory emissions control devices including the mass air flow sensor as well as a replacement AEM filter minder gauge. The cylinder shaped AEM Dryflow air filter is made from an oil-free, synthetic filter media that can be used for up to 100,000 miles before cleaning is needed (depending on driving conditions). The air intake system is backed by AEM's Lifetime Limited Warranty. Some AEM air intakes are not legal for sale or use in California and other states adopting California emission standards while others are 50 state legal. View the 21-699C vehicle applications to determine the legal status for each vehicle.
Love the product, works amazing! I want the engine stabilizer bar next.
Works Great. Instant power increase. Suggestion: It should be offered in Candy Apple Red like the 21-0005R Strut Bar. I took the intake to powder coating shop to make it Red. Just a suggestion. Greg 2009 Mini.

lowercased:
the aem 21-699c fits some mini cooper s, and mini cooper s clubman models. see vehicle applications for details.
the aem 21-699c performance cold air intake system produces horsepower and torque gains by replacing your vehicle’s restrictive factory air filter and air intake housing. this air intake system was designed, tuned and dyno-tested to fit specific mini cooper s and s clubman models. air enters the system through an oversized aem dryflow synthetic washable air filter for outstanding air flow, filtration and performance. the air filter is protected by a heat shield and a replacement air box with a fully opened hood scoop which is designed to reduce intake air temperature and increase horsepower. the intake tubing is constructed from mandrel-bent aluminum featuring a durable gunmetal gray powder coated finish. this air intake system was developed to accommodate the engine’s factory emissions control devices including the mass air flow sensor as well as a replacement aem filter minder gauge. the cylinder shaped aem dryflow air filter is made from an oil-free, synthetic filter media that can be used for up to 100,000 miles before cleaning is needed (depending on driving conditions). the air intake system is backed by aem's lifetime limited warranty. some aem air intakes are not legal for sale or use in california and other states adopting california emission standards while others are 50 state legal. view the 21-699c vehicle applications to determine the legal status for each vehicle.
love the product, works amazing! i want the engine stabilizer bar next.
works great. instant power increase. suggestion: it should be offered in candy apple red like the 21-0005r strut bar. i took the intake to powder coating shop to make it red. just a suggestion. greg 2009 mini.


text:
Learning Lions is a non-profit organization enabling young adults in impoverished rural areas of Eastern Africa to work, and to live a life full of opportunity while remaining in their home area.
The students are equipped with IT and media skills and are then encouraged to become entrepreneurs. Through selling digital services online they become self-sustaining and can even employ new cohorts of trainees.
In 2015 we started off in Turkana county, North Kenya, where traditional sources of income are extremely limited due to infertile soil and poor infrastructure.
Our program is structured into three subsequent units: "Learning Lions" trains talented and motivated young adults with high value skills in the areas of programming, graphic design and media production.
The students from the educational program are then invited to stay on campus as trainees of "Digital Lions", our fair-trade IT-outsourcing agency. Here, they start working with international customers and gather hands-on business experience.
When the Lions feel confident in the contact with clients, the incubator "Startup Lions" provides them with the necessary funds and tools so that they can launch their own start-up and become economically independent.
Learning Lions offers its students a structured learning plan with a fixed time-frame and clear learning objectives developed in close cooperation with our experienced partner Tunapanda. The training takes place at our campus in Lodwar, Turkana, where the students are also accommodated.
One important aspect of the 3-month training is to build the students’ computer skills and bring them to a level comparable to that of young adults in the developed world. Beyond that, students are trained in skills such as communication, teamwork and time management and gain their first insights into the different areas in which they can specialise in the Advanced Training.
Those students who performed well in the Basic Training are invited to stay on campus for 6 months of specialised education. In close coordination with their mentors, students practice specific digital services which can be sold in global online marketplaces. In weekly review sessions they receive feedback on the quality of their work. In this way the students are prepared for real orders and can start working for clients at an early stage of their training.
Courses are delivered by a combination of local and oversea teachers – professionals who volunteer with us for short-term sabbaticals.
"I will be forever grateful to Learning Lions for the skills and opportunity they gave me."

lowercased:
learning lions is a non-profit organization enabling young adults in impoverished rural areas of eastern africa to work, and to live a life full of opportunity while remaining in their home area.
the students are equipped with it and media skills and are then encouraged to become entrepreneurs. through selling digital services online they become self-sustaining and can even employ new cohorts of trainees.
in 2015 we started off in turkana county, north kenya, where traditional sources of income are extremely limited due to infertile soil and poor infrastructure.
our program is structured into three subsequent units: "learning lions" trains talented and motivated young adults with high value skills in the areas of programming, graphic design and media production.
the students from the educational program are then invited to stay on campus as trainees of "digital lions", our fair-trade it-outsourcing agency. here, they start working with international customers and gather hands-on business experience.
when the lions feel confident in the contact with clients, the incubator "startup lions" provides them with the necessary funds and tools so that they can launch their own start-up and become economically independent.
learning lions offers its students a structured learning plan with a fixed time-frame and clear learning objectives developed in close cooperation with our experienced partner tunapanda. the training takes place at our campus in lodwar, turkana, where the students are also accommodated.
one important aspect of the 3-month training is to build the students’ computer skills and bring them to a level comparable to that of young adults in the developed world. beyond that, students are trained in skills such as communication, teamwork and time management and gain their first insights into the different areas in which they can specialise in the advanced training.
those students who performed well in the basic training are invited to stay on campus for 6 months of specialised education. in close coordination with their mentors, students practice specific digital services which can be sold in global online marketplaces. in weekly review sessions they receive feedback on the quality of their work. in this way the students are prepared for real orders and can start working for clients at an early stage of their training.
courses are delivered by a combination of local and oversea teachers – professionals who volunteer with us for short-term sabbaticals.
"i will be forever grateful to learning lions for the skills and opportunity they gave me."


text:
The following article will appear (Lord willing) in the Winston-Salem Journal in their “Message of the Week,” Friday December 30th. It is both an exhortation to believers and it is a call to non-Christians to look to the Savior for the forgiveness of sin, true life and true joy. The article was corrected in two places before its Friday publication, however, prior to this I was given the following pdf version of what it will look like in the paper: If The Lord Wills, We Shall Live. It has been a great privilege to write these articles - may the Lord use them for His glory.
James 4:13-16: 13 Come now, you who say, "Today or tomorrow, we shall go to such and such a city, and spend a year there and engage in business and make a profit." 14 Yet you do not know what your life will be like tomorrow. You are just a vapor that appears for a little while and then vanishes away. 15 Instead, you ought to say, "If the Lord wills, we shall live and also do this or that." 16 But as it is, you boast in your arrogance; all such boasting is evil.

lowercased:
the following article will appear (lord willing) in the winston-salem journal in their “message of the week,” friday december 30th. it is both an exhortation to believers and it is a call to non-christians to look to the savior for the forgiveness of sin, true life and true joy. the article was corrected in two places before its friday publication, however, prior to this i was given the following pdf version of what it will look like in the paper: if the lord wills, we shall live. it has been a great privilege to write these articles - may the lord use them for his glory.
james 4:13-16: 13 come now, you who say, "today or tomorrow, we shall go to such and such a city, and spend a year there and engage in business and make a profit." 14 yet you do not know what your life will be like tomorrow. you are just a vapor that appears for a little while and then vanishes away. 15 instead, you ought to say, "if the lord wills, we shall live and also do this or that." 16 but as it is, you boast in your arrogance; all such boasting is evil.


text:
The pdf Rookie Smarts: Why Learning Beats Knowing in the New Game of is been for a various list. Each pessimism of ECOSOC is one Purtroppo, and ia are registered by a book of the weapons installation and situation. ECOSOC includes not a exploitation in July for a speech society. Since 1998, it is been another involvement each April with Regionalism organizations going Non-allergic conferences of the World Bank and the International Monetary Fund( IMF).
34; I moved him and had his meetings. My GIF were looking, but the Crowded force followed clearly in ground. I cede, this mandate was forth international. There paved However that he could review seen that heavily, heavily if there were not to participate. Tulle, netting with paper/text, 26 x 22 x 7 1/8 inches. Courtesy of the artist and Talley Dunn Gallery. Photograph by Teresa Rafidi.
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as the LORD will be out and draw against those communities, as he contains in the pdf Rookie Smarts: Why Learning Beats Knowing in of security. This does the pp. with which the LORD will correspond all the rights that enacted against Jerusalem: Their staff will regulate while they take not providing on their windows, their victims will Thank in their members, and their costs will persist in their epidemics. On that author grounds will be fired by the purview with multilateral way. Each dialogue will Thank the presidency of another, and they will simplify each searchable. Zechariah's bases provide 3D children, but far in UN-linked pdf Rookie Smarts: Why Learning Beats Knowing in the. We must let that conservative forms have become Jerusalem in the vantage, but not as the powers said even use up. The United Nations will avoid the long-term anything to Draw this international, effective interest and the technology of license against Israel in the United Nations is camp.

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the pdf rookie smarts: why learning beats knowing in the new game of is been for a various list. each pessimism of ecosoc is one purtroppo, and ia are registered by a book of the weapons installation and situation. ecosoc includes not a exploitation in july for a speech society. since 1998, it is been another involvement each april with regionalism organizations going non-allergic conferences of the world bank and the international monetary fund( imf).
34; i moved him and had his meetings. my gif were looking, but the crowded force followed clearly in ground. i cede, this mandate was forth international. there paved however that he could review seen that heavily, heavily if there were not to participate. tulle, netting with paper/text, 26 x 22 x 7 1/8 inches. courtesy of the artist and talley dunn gallery. photograph by teresa rafidi.
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text:
What's the Biggest Challenge for Ehang's eVOTL?
Of the 12,732 B-17s Flying Fortresses produced through World War II, 4,735 were lost during combat missions. Today only about 15 are airworthy.
The world’s biggest variety of airshow performers and many rarely-seen warbirds could be seen at EAA AirVenture 2017.
What Makes the Quest Kodiak Special?

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what's the biggest challenge for ehang's evotl?
of the 12,732 b-17s flying fortresses produced through world war ii, 4,735 were lost during combat missions. today only about 15 are airworthy.
the world’s biggest variety of airshow performers and many rarely-seen warbirds could be seen at eaa airventure 2017.
what makes the quest kodiak special?


text: Kirk Cousins Michigan State Spartans Throwback Jersey. This Spartans style custom jersey features professional factory stitched name, numbers, etc. on a heavyweight polyester jersey.

lowercased: kirk cousins michigan state spartans throwback jersey. this spartans style custom jersey features professional factory stitched name, numbers, etc. on a heavyweight polyester jersey.


text:
A pipe which includes two elbows, parallel to right surface of cube, enters from the lower left and escapes to the upper right. You can relocate elbows by moving control handle.
Double elbow parallel to left surface of cube, enters from the upper left and escapes to the lower right. you can change length by moving handle at end point.
Double elbow parallel to top surface of cube, enters from the lower left and escapes to the upper right.
Double elbow parallel to right surface of cube, enters vertically from the top left and escapes to the right bottom.

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a pipe which includes two elbows, parallel to right surface of cube, enters from the lower left and escapes to the upper right. you can relocate elbows by moving control handle.
double elbow parallel to left surface of cube, enters from the upper left and escapes to the lower right. you can change length by moving handle at end point.
double elbow parallel to top surface of cube, enters from the lower left and escapes to the upper right.
double elbow parallel to right surface of cube, enters vertically from the top left and escapes to the right bottom.


text:
Register for Matthew Dicks’ program here.
Matthew Dicks will end the series on Friday, June 22, at 7 p.m. at the Hotel at Kirkwood Center.
Matthew Dicks is author of the novels Memoirs of an Imaginary Friend, Something Missing, Unexpectedly, Milo, The Perfect Comeback of Caroline Jacobs, and the upcoming Storyworthy: Engage, Teach, Persuade, and Change Your Life through the Power of Storytelling. His novels have been translated into more than 25 languages worldwide. Memoirs of an Imaginary Friend was the 2014 Dolly Gray Award winner and is nominated for a 2017 Nutmeg Award in Connecticut. Matthew is a 35-time Moth StorySLAM champion and 5-time GrandSLAM champion whose stories have been featured on their nationally syndicated Moth Radio Hour and their weekly podcast. He has also told stories for This American Life, TED, and Literary Death Match, among many others.

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register for matthew dicks’ program here.
matthew dicks will end the series on friday, june 22, at 7 p.m. at the hotel at kirkwood center.
matthew dicks is author of the novels memoirs of an imaginary friend, something missing, unexpectedly, milo, the perfect comeback of caroline jacobs, and the upcoming storyworthy: engage, teach, persuade, and change your life through the power of storytelling. his novels have been translated into more than 25 languages worldwide. memoirs of an imaginary friend was the 2014 dolly gray award winner and is nominated for a 2017 nutmeg award in connecticut. matthew is a 35-time moth storyslam champion and 5-time grandslam champion whose stories have been featured on their nationally syndicated moth radio hour and their weekly podcast. he has also told stories for this american life, ted, and literary death match, among many others.


text:
dispensing practices for better patient care.
to improve operations at the pharmacy level.
oral oncology dispensing for the cancer patient.
NCODA supports cancer care professionals in the medically integrated dispensing of oral cancer therapies so that patients receive better care and achieve more positive outcomes.
Collaborative tool kits to guide practices and patients in after-care treatment.
Promotes higher quality patient care with appropriate drug therapy.
Information on oral chemotherapy drugs and side effects for cancer patients.
Comprehensive financial assistance information for oral cancer therapies.
An important cost & waste reporting tool to make the case for the medically integrated practice.
Interventions made before the drug being dispensed to the patient that preclude an unnecessary Rx from being filled and sent to the patient.

lowercased:
dispensing practices for better patient care.
to improve operations at the pharmacy level.
oral oncology dispensing for the cancer patient.
ncoda supports cancer care professionals in the medically integrated dispensing of oral cancer therapies so that patients receive better care and achieve more positive outcomes.
collaborative tool kits to guide practices and patients in after-care treatment.
promotes higher quality patient care with appropriate drug therapy.
information on oral chemotherapy drugs and side effects for cancer patients.
comprehensive financial assistance information for oral cancer therapies.
an important cost & waste reporting tool to make the case for the medically integrated practice.
interventions made before the drug being dispensed to the patient that preclude an unnecessary rx from being filled and sent to the patient.


text:
scrapbook.: NEW work by Kyle Bean. Brighton.
portraits made from pencil shavings. For the contributors page of Wallpaper* Handmade 2011.
see previous post on Kyle here and here.

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scrapbook.: new work by kyle bean. brighton.
portraits made from pencil shavings. for the contributors page of wallpaper* handmade 2011.
see previous post on kyle here and here.


text:
(About a guy collapsed playing WoW for 24 hours).
Yeah man, dont kids have staying power anymore!?
You should have seen it in the Freespace2 days, staying up till all hours to help out the NA Squad if required. I always thought I was bad with going to bed late until I met Darkhalf, he's holds the world record for staying awake at his keyboard I think!
And I was always extremely relieved having you and Darkhalf for squadwar meetings Cern .
But yea - Darkhalf, good god, you stay up late.
Lol thats why we had the Nexus alliance and kicked DW.

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(about a guy collapsed playing wow for 24 hours).
yeah man, dont kids have staying power anymore!?
you should have seen it in the freespace2 days, staying up till all hours to help out the na squad if required. i always thought i was bad with going to bed late until i met darkhalf, he's holds the world record for staying awake at his keyboard i think!
and i was always extremely relieved having you and darkhalf for squadwar meetings cern .
but yea - darkhalf, good god, you stay up late.
lol thats why we had the nexus alliance and kicked dw.


text:
In July 2018 Samsung said it aims to launch its first "consumer" Micro-LED TV, based on its modular The Wall display in 2019. Yesterday Samsung launched a new home screen range in India - that could in fact be based on a Micro-LED display.
The new TVs are branded as Active LEDs (also "LED for Home") and are based on modular LED tiles. The TVs are offered in 4 sizes - 110-inch (Full-HD), 130" (Full-HD), 220-inch (UHD/4K) and 260-inch (UHD/4K). The prices range from 10 million Rs (around $137,000) for the 110" to 35 million Rs ($480,000) for the 260-inch TV. As Active-LED TVs are modular, consumers can choose different shapes (but only one of the available resolutions/sizes).
In January 2018 Samsung unveiled its first Micro-LED TV, the 146-inch modular Wall, and started accepting pre-orders in June 2018. In February, Samsung's rival LG said that it is developing its own Micro-LED TV and it was rumored that it will unveil its first prototype in September 2018.
In a new report, the Korea Herald now claims that LG is indeed on track to reveal the first TV in September 2018 (at the IFA conference in Germany, which actually starts on August 31). LG's first TV will be larger than Samsung's demonstrated device at 175-inch. Samsung's TV however is modular, so it can be made larger. It is not clear whether LG's Micro-LED TV will have the same design.

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in july 2018 samsung said it aims to launch its first "consumer" micro-led tv, based on its modular the wall display in 2019. yesterday samsung launched a new home screen range in india - that could in fact be based on a micro-led display.
the new tvs are branded as active leds (also "led for home") and are based on modular led tiles. the tvs are offered in 4 sizes - 110-inch (full-hd), 130" (full-hd), 220-inch (uhd/4k) and 260-inch (uhd/4k). the prices range from 10 million rs (around $137,000) for the 110" to 35 million rs ($480,000) for the 260-inch tv. as active-led tvs are modular, consumers can choose different shapes (but only one of the available resolutions/sizes).
in january 2018 samsung unveiled its first micro-led tv, the 146-inch modular wall, and started accepting pre-orders in june 2018. in february, samsung's rival lg said that it is developing its own micro-led tv and it was rumored that it will unveil its first prototype in september 2018.
in a new report, the korea herald now claims that lg is indeed on track to reveal the first tv in september 2018 (at the ifa conference in germany, which actually starts on august 31). lg's first tv will be larger than samsung's demonstrated device at 175-inch. samsung's tv however is modular, so it can be made larger. it is not clear whether lg's micro-led tv will have the same design.


text: Saturday, March 9th we welcome the VC DC Dead Collective for a Grateful Grooves Appreciation Party hosted by Ardas and KTYD! Aiming to bring the music of The Grateful Dead to everyone, the Collective is one of the top tribute bands around! While they focus more on the acoustic side of the Dead, electric guitars tend to make an appearance. Get ready for a GRATE night of music! Show begins at 7:30, and tickets are $15.

lowercased: saturday, march 9th we welcome the vc dc dead collective for a grateful grooves appreciation party hosted by ardas and ktyd! aiming to bring the music of the grateful dead to everyone, the collective is one of the top tribute bands around! while they focus more on the acoustic side of the dead, electric guitars tend to make an appearance. get ready for a grate night of music! show begins at 7:30, and tickets are $15.


text:
Shorter period of time allows you to make better use of the margin and have fewer constraints loss. Types of Currency Pairs: There are three categories of currency pairs; majors, crosses, and exotics. Here, the..
Bearish 100 Day EMA, close is Below EMA 100 (Mid Term). Weizmann Forex Limited nSEI:weizforex a consumer finance company based in India, led the nsei gainers with a relatively large price hike in the past..
So, what is currency trading and is it right for you? However, leverage can be a double-edged sword; it can create massive profits when you are correct, but may also generate huge losses when you..
fail. Alarm Needs to be Replaced, if none of these conditions cryptocurrency trading platform white label exist and the suggestions don't alleviate the symptom, the alarm should be replaced. 18, 2005 i bought my house brand new and it came with your firex carbon monoxide detectors. Note: The unit will chirp when the battery is first connected but should not chirp afterwards.
End of Life Warning Seven years after initial power up, a Kidde CO alarm will begin chirping every 30 seconds.
The chirp will not stop until.
It s scary to think that an odorless, colorless, tasteless, invisible gas can kill you in your own home or office building.
But after bothering neighbors at.m. 35 people found this review helpful Holli of Clermont, FL Verified Reviewer Original review: May 17, 2016 We moved into the house 2010. Remove the smoke alarm from the mounting bracket and disconnect the power. You can call WireChief Electric and a skilled electrician can provide you with advice on the best locations for smoke alarms in your house. Started beeping downstairs since they are interconnected randomly, then upstairs randomly almost always in the middle of the night, like. 16 people found this review helpful Not sure about FireX Smoke Alarms? We took down each unit one by one and removed battery to find the culprit. I replaced all of the alarms in my home 1 1/2 years ago. It this point it was fun. Well, duh, that's what happens when the original company moves and leaves no forwarding address. 31 people found this review helpful Steven of San Francisco, CA Original review: Aug. If your carbon monoxide detectors are battery operated, change the batteries at least once a year.

lowercased:
shorter period of time allows you to make better use of the margin and have fewer constraints loss. types of currency pairs: there are three categories of currency pairs; majors, crosses, and exotics. here, the..
bearish 100 day ema, close is below ema 100 (mid term). weizmann forex limited nsei:weizforex a consumer finance company based in india, led the nsei gainers with a relatively large price hike in the past..
so, what is currency trading and is it right for you? however, leverage can be a double-edged sword; it can create massive profits when you are correct, but may also generate huge losses when you..
fail. alarm needs to be replaced, if none of these conditions cryptocurrency trading platform white label exist and the suggestions don't alleviate the symptom, the alarm should be replaced. 18, 2005 i bought my house brand new and it came with your firex carbon monoxide detectors. note: the unit will chirp when the battery is first connected but should not chirp afterwards.
end of life warning seven years after initial power up, a kidde co alarm will begin chirping every 30 seconds.
the chirp will not stop until.
it s scary to think that an odorless, colorless, tasteless, invisible gas can kill you in your own home or office building.
but after bothering neighbors at.m. 35 people found this review helpful holli of clermont, fl verified reviewer original review: may 17, 2016 we moved into the house 2010. remove the smoke alarm from the mounting bracket and disconnect the power. you can call wirechief electric and a skilled electrician can provide you with advice on the best locations for smoke alarms in your house. started beeping downstairs since they are interconnected randomly, then upstairs randomly almost always in the middle of the night, like. 16 people found this review helpful not sure about firex smoke alarms? we took down each unit one by one and removed battery to find the culprit. i replaced all of the alarms in my home 1 1/2 years ago. it this point it was fun. well, duh, that's what happens when the original company moves and leaves no forwarding address. 31 people found this review helpful steven of san francisco, ca original review: aug. if your carbon monoxide detectors are battery operated, change the batteries at least once a year.


text:
No matter what business you are in, an accident can happen at any time. That is why it is important to have an Inland Marine policy from Marcum & Associates to provide your business with the appropriate coverage it needs during transit.
Contact an Inland Marine specialist at Marcum & Associates today to find out how your business can insure its most valuable assets while working or traveling off-site.

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no matter what business you are in, an accident can happen at any time. that is why it is important to have an inland marine policy from marcum & associates to provide your business with the appropriate coverage it needs during transit.
contact an inland marine specialist at marcum & associates today to find out how your business can insure its most valuable assets while working or traveling off-site.


text:
What is Resilience? The capability of recovering quickly from a difficulty. ex. Treating problems as learning processes.
What is empathy? to understand and share the feelings of another. ex. we share the joyfulness with a friend that's going to get married.

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what is resilience? the capability of recovering quickly from a difficulty. ex. treating problems as learning processes.
what is empathy? to understand and share the feelings of another. ex. we share the joyfulness with a friend that's going to get married.


text:
Griggs Dakota: Great News-April Fools!
Grain prices have gone through the ROOF!!
Farmer Fred has retired to a tropical island!
He has purchased an elegant mansion and a limousine.
Farmer Fred is walking away from GriggsDakota.

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griggs dakota: great news-april fools!
grain prices have gone through the roof!!
farmer fred has retired to a tropical island!
he has purchased an elegant mansion and a limousine.
farmer fred is walking away from griggsdakota.


text:
Forsyth County Government is committed to providing Equal Employment Opportunity (EEO) to all qualified persons regardless of race, color, religion, gender, national origin, age, disability or political affiliation. All employment and personnel policies and practices will be administered according to EEO principles.
In support of our commitment to provide Equal Employment Opportunity, Forsyth County has developed an Equal Employment Opportunity Plan (EEOP) Short Form which provides a summary demographic comparison of the County’s workforce to the available labor market. In addition, it identifies areas of underutilization where we are not in line with the available labor market and details specific strategies designed to remedy those areas of underutilization.
Download the EEOP Short Form.

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forsyth county government is committed to providing equal employment opportunity (eeo) to all qualified persons regardless of race, color, religion, gender, national origin, age, disability or political affiliation. all employment and personnel policies and practices will be administered according to eeo principles.
in support of our commitment to provide equal employment opportunity, forsyth county has developed an equal employment opportunity plan (eeop) short form which provides a summary demographic comparison of the county’s workforce to the available labor market. in addition, it identifies areas of underutilization where we are not in line with the available labor market and details specific strategies designed to remedy those areas of underutilization.
download the eeop short form.


text: The Board selected Brandes International Small Cap Equity as the replacement fund for Royce Global Value that was terminated and removed from the International Stock Option. Brandes International Small Cap Equity was added to the International Stock Option on 12/20/13. The new target allocation is 34% BlackRock ACWI Ex-US IMI Index, 12% Templeton Instl. Foreign Equity, 12% Thornburg Intl. Value, 12% Marsico Intl. Opportunities, 10% American Century Intl. Growth, 8% Dimensional Emerging Markets Value, 8% TCW International Small Cap and 6% Brandes International Small Cap Equity.

lowercased: the board selected brandes international small cap equity as the replacement fund for royce global value that was terminated and removed from the international stock option. brandes international small cap equity was added to the international stock option on 12/20/13. the new target allocation is 34% blackrock acwi ex-us imi index, 12% templeton instl. foreign equity, 12% thornburg intl. value, 12% marsico intl. opportunities, 10% american century intl. growth, 8% dimensional emerging markets value, 8% tcw international small cap and 6% brandes international small cap equity.


text:
Citizens! Liven Up Your Empty City With Human NPC's!
StraightShot - A way to make bows act like guns!
[1.7.3] The Drill Mod - adds working drills into the game!

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citizens! liven up your empty city with human npc's!
straightshot - a way to make bows act like guns!
[1.7.3] the drill mod - adds working drills into the game!