text:
Question: How does shipping work?
Answer: The monster sak is shipped within 1-3 business days of order placement and takes 2-5 business days to show up at your door depending on where you live. We ship 99% of our orders by the next business day, but during the Christmas holidays, it might take an additional day or two to make and ship your order, because we experience a crazy rush on our products. Keep in mind we are closed Sundays. Any canceled orders or returns after shipments have been made will be responsible for all fees associated with the Fedex shipping charges and nonrefundable (in some cases Fedex charges more than our flat rate shipping fees).
Question: Where do you ship to?
Answer: Only within the 48 contiguous states…special arrangements are possible to other states/countries. Email [email protected] to find out more.
Question:: Can I arrange to pick it up myself and save on shipping?
Answer: Yeap! Just call 409-755-4540 for more info.
Question: How big is the monster sak when purchased?
Answer: All monster saks are shrunken down to a little smaller than 1/3 the normal size for shipping and transporting. They fit easily into small cars, so don’t worry about renting a moving truck or anything. After opening your sak, it will expand back to 80 or 90% within a few minutes of light fluffing and will reach 100% within a few days of opening it.
Question: Is there any kind of guarantee?
Answer: Of course! If there is a defect in the manufacturing during the first 12 months we will fix it or exchange it for free.
Question: I’m a little wary of your prices…what’s the catch?
Answer: There is no catch. We confidently stand behind our claim to have what is absolutely the most comfortable furniture bag out there and would be willing to compare bags side by side, anytime, with any company. You just need to know that other companies are spending much less on inferior quality materials and selling them to customers with anywhere from a 500%-1000% markup on them. If that’s what you want, by all means help them retire early while you keep working.
Question: What’s the difference between microsuede and microplush?
Answer: Microsuede is probably the most popular material in the world of furniture, because it looks good, it’s comfortable, it’s durable, and it spot cleans very easily. Microplush is amazingly comfortable. While it looks kinda like the texture of a towell, it is much softer. Microsuede tends to be more accident friendly…for example: if you’re worried about pet claws or liquid spills, the microsuede is better to have. If you value luxurious comfort, the microplush might be the better option.
Question: Will a Monster Sak go flat or need to be refilled?
Answer: Nope! Bean bags are known for their styrofoam pellots that go flat and the expensive/messy experience it is to refill them every year or two. Cloud-Stuff filler will always fluff back up…just remember that optimal comfort is achieved by refluffing the Monster Sak at least every other time you sit on it.
Question: What are the size differences?
Answer: The dimensions are under the product description of each size bag on the SHOP page. Basically, the size 6 bag is almost twice as big as the size 5, and the size 8 bag is almost twice as big as the size 6. The size 8 is about as long as a full size couch and 1.5 to 2 times as wide. The size 6 is about the size of a loveseat, and the size 5 is about 35-40% smaller than the size 6.
Answer: An unopened bag can be returned within 2 weeks for a refund minus a 10% restocking fee. While we fully guarantee our product, we can’t accept returns after they’ve been used. Home odors and the unknown of what might get into the foam prevents us from reselling a returned product. Some customers ask if they can return a cover if they use it for a while and decide they don’t like the color. Again, if it’s used, we can’t accept it, but if you don’t put it on your insert, you are more than welcome to exchange it within 2 weeks from the date of purchase. Otherwise, it’s kind of like used sheets or driving a new car off the lot in that once it’s used, you own it.
Question: How do I know which size to get?
Answer: While you can fit several people on any size bag, what really matters is how big the people sitting on it are and how close they want to be to each other. In general, most customers buy a size 5 for one adult or a couple of kids. They’ll buy a size 6 if they want something big enough for two adults to lay down and cuddle on. The size 8 is for those who want to fit a couple adults and maybe a couple of kids at the same time. The size 6 is our most popular seller (tan and black being the most popular colors), but everybody loves the size 8…only question is – do you have the room for it? Please see the measurements as all of this information is only relative and approximate to comparisons. Measuring it out on your floor space is the best way to know what size will work for you.
Question: What is the big difference between you and Lovesac?
Answer: Two differences: 1) Shape – Monster Saks are more oval shaped while Lovesacs are more round. 2) Filler Material – Lovesac uses sofa scrap that they call Durafoam (ironic that the Latin “dura” is usually translated as “hard” in English). Monster Sak uses a higher density/more expensive mattress foam and we mix it with cotton. Our filler is softer, less lumpy, and slightly lighter, but we stuff our bags with more filler, so the weights are about the same. As far as size goes, our size 8 bag is about 15-20% bigger than the 8 Lovesac, our size 6 is about the same size as the 6 Lovesac, and our size 5 is about 15-20% smaller than the 5 Lovesac. Oh, and our prices our about 66-75% LESS!!!!!!

lowercased:
question: how does shipping work?
answer: the monster sak is shipped within 1-3 business days of order placement and takes 2-5 business days to show up at your door depending on where you live. we ship 99% of our orders by the next business day, but during the christmas holidays, it might take an additional day or two to make and ship your order, because we experience a crazy rush on our products. keep in mind we are closed sundays. any canceled orders or returns after shipments have been made will be responsible for all fees associated with the fedex shipping charges and nonrefundable (in some cases fedex charges more than our flat rate shipping fees).
question: where do you ship to?
answer: only within the 48 contiguous states…special arrangements are possible to other states/countries. email [email protected] to find out more.
question:: can i arrange to pick it up myself and save on shipping?
answer: yeap! just call 409-755-4540 for more info.
question: how big is the monster sak when purchased?
answer: all monster saks are shrunken down to a little smaller than 1/3 the normal size for shipping and transporting. they fit easily into small cars, so don’t worry about renting a moving truck or anything. after opening your sak, it will expand back to 80 or 90% within a few minutes of light fluffing and will reach 100% within a few days of opening it.
question: is there any kind of guarantee?
answer: of course! if there is a defect in the manufacturing during the first 12 months we will fix it or exchange it for free.
question: i’m a little wary of your prices…what’s the catch?
answer: there is no catch. we confidently stand behind our claim to have what is absolutely the most comfortable furniture bag out there and would be willing to compare bags side by side, anytime, with any company. you just need to know that other companies are spending much less on inferior quality materials and selling them to customers with anywhere from a 500%-1000% markup on them. if that’s what you want, by all means help them retire early while you keep working.
question: what’s the difference between microsuede and microplush?
answer: microsuede is probably the most popular material in the world of furniture, because it looks good, it’s comfortable, it’s durable, and it spot cleans very easily. microplush is amazingly comfortable. while it looks kinda like the texture of a towell, it is much softer. microsuede tends to be more accident friendly…for example: if you’re worried about pet claws or liquid spills, the microsuede is better to have. if you value luxurious comfort, the microplush might be the better option.
question: will a monster sak go flat or need to be refilled?
answer: nope! bean bags are known for their styrofoam pellots that go flat and the expensive/messy experience it is to refill them every year or two. cloud-stuff filler will always fluff back up…just remember that optimal comfort is achieved by refluffing the monster sak at least every other time you sit on it.
question: what are the size differences?
answer: the dimensions are under the product description of each size bag on the shop page. basically, the size 6 bag is almost twice as big as the size 5, and the size 8 bag is almost twice as big as the size 6. the size 8 is about as long as a full size couch and 1.5 to 2 times as wide. the size 6 is about the size of a loveseat, and the size 5 is about 35-40% smaller than the size 6.
answer: an unopened bag can be returned within 2 weeks for a refund minus a 10% restocking fee. while we fully guarantee our product, we can’t accept returns after they’ve been used. home odors and the unknown of what might get into the foam prevents us from reselling a returned product. some customers ask if they can return a cover if they use it for a while and decide they don’t like the color. again, if it’s used, we can’t accept it, but if you don’t put it on your insert, you are more than welcome to exchange it within 2 weeks from the date of purchase. otherwise, it’s kind of like used sheets or driving a new car off the lot in that once it’s used, you own it.
question: how do i know which size to get?
answer: while you can fit several people on any size bag, what really matters is how big the people sitting on it are and how close they want to be to each other. in general, most customers buy a size 5 for one adult or a couple of kids. they’ll buy a size 6 if they want something big enough for two adults to lay down and cuddle on. the size 8 is for those who want to fit a couple adults and maybe a couple of kids at the same time. the size 6 is our most popular seller (tan and black being the most popular colors), but everybody loves the size 8…only question is – do you have the room for it? please see the measurements as all of this information is only relative and approximate to comparisons. measuring it out on your floor space is the best way to know what size will work for you.
question: what is the big difference between you and lovesac?
answer: two differences: 1) shape – monster saks are more oval shaped while lovesacs are more round. 2) filler material – lovesac uses sofa scrap that they call durafoam (ironic that the latin “dura” is usually translated as “hard” in english). monster sak uses a higher density/more expensive mattress foam and we mix it with cotton. our filler is softer, less lumpy, and slightly lighter, but we stuff our bags with more filler, so the weights are about the same. as far as size goes, our size 8 bag is about 15-20% bigger than the 8 lovesac, our size 6 is about the same size as the 6 lovesac, and our size 5 is about 15-20% smaller than the 5 lovesac. oh, and our prices our about 66-75% less!!!!!!


text: Source Citation Essex County Court Archives, vol. 2, no. 161, Massachusetts Supreme Judicial Court, Judicial Archives, on deposit James Duncan Phillips Library, Peabody Essex Museum, Salem, MA.

lowercased: source citation essex county court archives, vol. 2, no. 161, massachusetts supreme judicial court, judicial archives, on deposit james duncan phillips library, peabody essex museum, salem, ma.


text:
Oltre Xr3 CV Aero Road Bike – Speed for all!
The Bianchi Oltre Xr3 Aero Road Bike is the latest addition to the Pro-Tour proven Oltre lineup. Featuring most of the same design features of the Pro-Tour Xr4 the Xr3 provides a relief in the wallet without compromising features or speed.
The Oltre Xr3 is built for the amateur pro cyclist, providing all the trimmings of the Pro-Tour at a more comfortable price point. This top-level aero road bike features precision and power control with a clean and aerodynamic tested frame. All conditions performance, climb, sprint, go long or even time-trial the Xr3 wont disappoint.
For the rider, the new Bianchi Oltre XR3 is a revelation on the road. With its viscoelastic resin in the Countervail equipped frame and the consistent power tuned aerodynamics, the new Bianchi Oltre XR3 is the ideal handling fast aero road bike – on any road, in any situation.
Meet the Disc Brake Version.

lowercased:
oltre xr3 cv aero road bike – speed for all!
the bianchi oltre xr3 aero road bike is the latest addition to the pro-tour proven oltre lineup. featuring most of the same design features of the pro-tour xr4 the xr3 provides a relief in the wallet without compromising features or speed.
the oltre xr3 is built for the amateur pro cyclist, providing all the trimmings of the pro-tour at a more comfortable price point. this top-level aero road bike features precision and power control with a clean and aerodynamic tested frame. all conditions performance, climb, sprint, go long or even time-trial the xr3 wont disappoint.
for the rider, the new bianchi oltre xr3 is a revelation on the road. with its viscoelastic resin in the countervail equipped frame and the consistent power tuned aerodynamics, the new bianchi oltre xr3 is the ideal handling fast aero road bike – on any road, in any situation.
meet the disc brake version.


text:
WAT KUNNEN WE BETEKENEN VOOR U?
ONS DOEL IS OM PRODUCENTEN DE VRUCHTEN TE LATEN PLUKKEN VAN MEER EFFICIËNTERE, MEER WINSTGEVENDE EN EEN DUURZAMERE MANIER VAN LANDBOUW.
We are dedicated to working alongside producers in order to optimize the well-being and performance of animals, unleashing their true genetic potential through nutrition.

lowercased:
wat kunnen we betekenen voor u?
ons doel is om producenten de vruchten te laten plukken van meer efficiëntere, meer winstgevende en een duurzamere manier van landbouw.
we are dedicated to working alongside producers in order to optimize the well-being and performance of animals, unleashing their true genetic potential through nutrition.


text:
EIRP - effective isotropic radiated power - is an important parameter when calculating both intentional and unintentional electromagnetic emissions. EIRP is a vector quantity that accounts for both power (magnitude) and 3-dimensional coordinates (direction). It includes antenna directivity that concentrates power in a particular direction rather than distributing it equally in all directions (e.g., isotropically). Effective radiated power factors in modulation type and power envelope shape as well. Knowing how to measure that quantities can make the difference between passing and failing FCC (or other countries' spectrum regulating bodies) certification.
By Gladden B. Houck, Jr.
Maximum effective radiated transmitter power is the aim of all CB and ham radio operators. This is evident from the fact that so much effort and money go into improving transmitter efficiency-matching devices, tuning couplers, SWR bridges, beam antennas, etc. There are many factors involved, actually, in the struggle to get maximum r-f output. Some are more important than others; but all are worth reviewing.
To start with, just how does one measure transmitter power output? One way is to use a commercial r-f wattmeter. An alternate method is to measure the voltage generated across a 50-ohm load with a conventional voltmeter using a high-frequency probe that will operate at the frequency of interest. This measured voltage can be converted into approximate r-f power for a 50-ohm load by using the curve in Fig. 1.
Fig. 1 - Converting volts to watts and dBW.
A less accurate method of determining r-f power output is to measure the dc power (voltage and current) supplied to the power amplifier when it is loaded by the proper antenna and tuned to resonance. The efficiency of this stage can be assumed to be about 60%, unless you have an actual figure supplied by the manufacturer. Thus, if the final stage in a CB rig has about 13.2 volts on the collector and the collector current is 380 mA, the legal dc input rating of 5 watts is obtained. With 60% efficiency, this would result in 3 watts of r-f at the output terminal.
To keep all computations in terms that point up the relative importance of any improvement, a dBW rating is used. By using the scales in Fig. 1, we see that 3 watts is equivalent to 4.8 dBW. This approach is based on zero dB for one watt.
The least change in dB levels that the ear can notice is about 3 dB (a power level change of 2 to 1). If the transmitter described above had a 100% efficiency, its output would be 5 watts (7 dBW), less than twice the level of the original 4.8 dBW, a barely discernible improvement.
Line Losses. Transmission line losses are of two types: direct losses and reflected mismatch losses. Direct losses are easy to determine since they are proportional to the length of the transmission line, and they depend on the type of coaxial cable used. One of the common types of cable employed for connecting the transmitter to the antenna is RG-58/U. It has a loss rating of 0.022 dB per foot. If we assume that a typical base station uses about 60 feet of cable, this means a direct cable loss of -1.32 dB, where the minus sign indicates a loss. Using the same length of RG-8/U cable with a rating of only 0.01 dB per foot, the direct cable loss is -0.6 dB. This shows that the selection of coaxial cable can make a big difference in the transmitted signal level.
Reflected losses are measured by using an SWR bridge or an in-line wattmeter. The proper place to make these measurements is at the connection between the transmission line and the antenna. Measurements made at the transmitter end of the cable, although valid, are always lower due to the cable losses which attenuate both the direct and reflected signals to the bridge.
The chart in Fig. 2 provides a means of converting SWR and reflected power into dB losses. If a typical antenna system has a measured SWR of 2.0, Fig. 2 shows that the loss is -0.5 dB.
Fig. 2 - Finding reflectance loss from SWR.
Antenna Gain. The gain of an antenna is specified by its manufacturer in terms of dB as compared to a standard dipole. Thus a simple whip antenna about 96" long has a gain of about +2.15 dB, while a multi-element beam antenna may have a gain of +11 dB or more. Since the gain of an antenna is difficult to measure without special equipment, it is usually necessary to take the manufacturer's word for it.
If we assume that a rig has 3 watts of r-f output at the transmitter, 60 feet of RG-58/U coaxial cable, an SWR of 2.0, and a beam antenna having +11 dB gain. These figures add up as follows: (+4.8) + (-1.32) + (-0.5) + (+11) = +14 dBW. Using Fig. 1, this converts to 25 watts of equivalent power.
Improvements in the transmission system by lowering the SWR or changing the cable to RG-8/U might raise the figure from +14 dBW to +15 dBW (effective radiated power of 32 watts). Note that this would only improve the received signal strength by 16% which is not enough to make that much difference, though every little bit helps.
For CB'ers and hams, the best thing to do is to use a directional high-gain multi-element beam antenna. Antennas of this type provide a dramatic improvement in transmission and also assist in reception. Since a beam antenna concentrates the energy (for both transmission and reception) in a "tear-drop" pattern, with the sharp end of the pattern at the antenna proper, it focuses most of the transmitted energy toward the receiver at which it is aimed and also provides much less pickup in the other directions. This means a considerable reduction in the pickup of unwanted Signals. By properly aiming the antenna, distant transmission and reception are considerably improved.
In some situations, it is necessary to connect the SWR bridge at the junction of the transmission line and the transmitter. Indications obtained in this manner must be corrected for transmission line losses, with the curve in Fig. 2 used to convert SWR to dB of reflected power. Since the transmission line losses affect the SWR in both directions, the effect is to double the dB correction. Thus, if the SWR at the transmitter is 1.6, the reflected loss is 0.2 dB. If the line losses are 1.0 dB each way, the total for SWR correction is 2.2 dB.

lowercased:
eirp - effective isotropic radiated power - is an important parameter when calculating both intentional and unintentional electromagnetic emissions. eirp is a vector quantity that accounts for both power (magnitude) and 3-dimensional coordinates (direction). it includes antenna directivity that concentrates power in a particular direction rather than distributing it equally in all directions (e.g., isotropically). effective radiated power factors in modulation type and power envelope shape as well. knowing how to measure that quantities can make the difference between passing and failing fcc (or other countries' spectrum regulating bodies) certification.
by gladden b. houck, jr.
maximum effective radiated transmitter power is the aim of all cb and ham radio operators. this is evident from the fact that so much effort and money go into improving transmitter efficiency-matching devices, tuning couplers, swr bridges, beam antennas, etc. there are many factors involved, actually, in the struggle to get maximum r-f output. some are more important than others; but all are worth reviewing.
to start with, just how does one measure transmitter power output? one way is to use a commercial r-f wattmeter. an alternate method is to measure the voltage generated across a 50-ohm load with a conventional voltmeter using a high-frequency probe that will operate at the frequency of interest. this measured voltage can be converted into approximate r-f power for a 50-ohm load by using the curve in fig. 1.
fig. 1 - converting volts to watts and dbw.
a less accurate method of determining r-f power output is to measure the dc power (voltage and current) supplied to the power amplifier when it is loaded by the proper antenna and tuned to resonance. the efficiency of this stage can be assumed to be about 60%, unless you have an actual figure supplied by the manufacturer. thus, if the final stage in a cb rig has about 13.2 volts on the collector and the collector current is 380 ma, the legal dc input rating of 5 watts is obtained. with 60% efficiency, this would result in 3 watts of r-f at the output terminal.
to keep all computations in terms that point up the relative importance of any improvement, a dbw rating is used. by using the scales in fig. 1, we see that 3 watts is equivalent to 4.8 dbw. this approach is based on zero db for one watt.
the least change in db levels that the ear can notice is about 3 db (a power level change of 2 to 1). if the transmitter described above had a 100% efficiency, its output would be 5 watts (7 dbw), less than twice the level of the original 4.8 dbw, a barely discernible improvement.
line losses. transmission line losses are of two types: direct losses and reflected mismatch losses. direct losses are easy to determine since they are proportional to the length of the transmission line, and they depend on the type of coaxial cable used. one of the common types of cable employed for connecting the transmitter to the antenna is rg-58/u. it has a loss rating of 0.022 db per foot. if we assume that a typical base station uses about 60 feet of cable, this means a direct cable loss of -1.32 db, where the minus sign indicates a loss. using the same length of rg-8/u cable with a rating of only 0.01 db per foot, the direct cable loss is -0.6 db. this shows that the selection of coaxial cable can make a big difference in the transmitted signal level.
reflected losses are measured by using an swr bridge or an in-line wattmeter. the proper place to make these measurements is at the connection between the transmission line and the antenna. measurements made at the transmitter end of the cable, although valid, are always lower due to the cable losses which attenuate both the direct and reflected signals to the bridge.
the chart in fig. 2 provides a means of converting swr and reflected power into db losses. if a typical antenna system has a measured swr of 2.0, fig. 2 shows that the loss is -0.5 db.
fig. 2 - finding reflectance loss from swr.
antenna gain. the gain of an antenna is specified by its manufacturer in terms of db as compared to a standard dipole. thus a simple whip antenna about 96" long has a gain of about +2.15 db, while a multi-element beam antenna may have a gain of +11 db or more. since the gain of an antenna is difficult to measure without special equipment, it is usually necessary to take the manufacturer's word for it.
if we assume that a rig has 3 watts of r-f output at the transmitter, 60 feet of rg-58/u coaxial cable, an swr of 2.0, and a beam antenna having +11 db gain. these figures add up as follows: (+4.8) + (-1.32) + (-0.5) + (+11) = +14 dbw. using fig. 1, this converts to 25 watts of equivalent power.
improvements in the transmission system by lowering the swr or changing the cable to rg-8/u might raise the figure from +14 dbw to +15 dbw (effective radiated power of 32 watts). note that this would only improve the received signal strength by 16% which is not enough to make that much difference, though every little bit helps.
for cb'ers and hams, the best thing to do is to use a directional high-gain multi-element beam antenna. antennas of this type provide a dramatic improvement in transmission and also assist in reception. since a beam antenna concentrates the energy (for both transmission and reception) in a "tear-drop" pattern, with the sharp end of the pattern at the antenna proper, it focuses most of the transmitted energy toward the receiver at which it is aimed and also provides much less pickup in the other directions. this means a considerable reduction in the pickup of unwanted signals. by properly aiming the antenna, distant transmission and reception are considerably improved.
in some situations, it is necessary to connect the swr bridge at the junction of the transmission line and the transmitter. indications obtained in this manner must be corrected for transmission line losses, with the curve in fig. 2 used to convert swr to db of reflected power. since the transmission line losses affect the swr in both directions, the effect is to double the db correction. thus, if the swr at the transmitter is 1.6, the reflected loss is 0.2 db. if the line losses are 1.0 db each way, the total for swr correction is 2.2 db.


text:
International Standards wrapped with the famous warm Egyptian hospitality.
Oyster Bay is developing into the next big thing on the tourism scene; an iconic self-sustained vacation destination along the Red Sea’s most pristine shoreline.
Our legend started at 1996 with the unique focus of handling all residential sales ever. Since then, we have grown to become one of the most experienced agencies offering a superior level of market knowledge, customer service and property expertise with remarkable growth by occupying a high rank at the hospitality invest and Tourism industry market.
Discover Blue Stars touristic projects, and recognize our benefits.
Copyright © Blue Stars, Investment.

lowercased:
international standards wrapped with the famous warm egyptian hospitality.
oyster bay is developing into the next big thing on the tourism scene; an iconic self-sustained vacation destination along the red sea’s most pristine shoreline.
our legend started at 1996 with the unique focus of handling all residential sales ever. since then, we have grown to become one of the most experienced agencies offering a superior level of market knowledge, customer service and property expertise with remarkable growth by occupying a high rank at the hospitality invest and tourism industry market.
discover blue stars touristic projects, and recognize our benefits.
copyright © blue stars, investment.


text:
Q. When do returning students find out if their application was successful?
Single rooms- You will find out if your application is successful on Tuesday 12 February 2019 and successful students will receive a text and an email confirmation. From this date Group Request Application Forms will be available until Tuesday 26 February 2019 to students who were successful in the ballot and who now wish to form themselves into a Group. On Tuesday 26 March 2019 Accommodation Services will confirm which Halls of Residence your group has been provisionally allocated to.
If demand from returning students is greater than the supply of rooms, students who apply and pay the booking fee by the deadline date will be entered into a ballot for a place in halls in order of policy priority. Those who apply and/or pay the booking fee after the deadline date will not be entered into the ballot and will be a lower priority.
Studios/ flats- Provisional allocations will be announced during the first week of August. Successful students will receive a text and email confirmation from us. A small number of studios/flats will be allocated in February to assist returning students to secure accommodation before you may leave campus for summer vacation.

lowercased:
q. when do returning students find out if their application was successful?
single rooms- you will find out if your application is successful on tuesday 12 february 2019 and successful students will receive a text and an email confirmation. from this date group request application forms will be available until tuesday 26 february 2019 to students who were successful in the ballot and who now wish to form themselves into a group. on tuesday 26 march 2019 accommodation services will confirm which halls of residence your group has been provisionally allocated to.
if demand from returning students is greater than the supply of rooms, students who apply and pay the booking fee by the deadline date will be entered into a ballot for a place in halls in order of policy priority. those who apply and/or pay the booking fee after the deadline date will not be entered into the ballot and will be a lower priority.
studios/ flats- provisional allocations will be announced during the first week of august. successful students will receive a text and email confirmation from us. a small number of studios/flats will be allocated in february to assist returning students to secure accommodation before you may leave campus for summer vacation.


text:
Your needs are sporadic? Then, you can choose to be invoiced as per our fee schedule which offers you a rate per word (for translation and proofreading) or hourly fees for the other services.
You have a specific project? A price for the whole project may be more convenient under these circumstances. Once we know the details of the project, we will submit a detailed quotation with a global amount for the work to be done.
You predict a recurring need for a virtual assistant and wish to develop a long-term business relationship? A reservation for a specific time frame may be more advantageous under these circumstances. This approach allows you to reserve a monthly time frame. This period will be reserved exclusively for you.
Other charges may be added to cover expenses incurred during the execution of the mandate. These could be related to courier fees, travelling expenses, graphic design expenses, material or specialized resources. If additional charges are anticipated, you will be informed in advance and your authorization will be required prior to incurring the expense.

lowercased:
your needs are sporadic? then, you can choose to be invoiced as per our fee schedule which offers you a rate per word (for translation and proofreading) or hourly fees for the other services.
you have a specific project? a price for the whole project may be more convenient under these circumstances. once we know the details of the project, we will submit a detailed quotation with a global amount for the work to be done.
you predict a recurring need for a virtual assistant and wish to develop a long-term business relationship? a reservation for a specific time frame may be more advantageous under these circumstances. this approach allows you to reserve a monthly time frame. this period will be reserved exclusively for you.
other charges may be added to cover expenses incurred during the execution of the mandate. these could be related to courier fees, travelling expenses, graphic design expenses, material or specialized resources. if additional charges are anticipated, you will be informed in advance and your authorization will be required prior to incurring the expense.


text:
This Promotion (“SPRING Rewards” or “Promotion”) is organized and conducted by UAE Exchange Centre LLC ('UAEEC'), through its online channel i.e. UAEEC Website https://ae.uaeexchange.com and/or mobile application in UAE. UAEEC may advertise the Promotion through various Digital channels viz Facebook, Twitter, Google amongst others.
Customers should have completed at least one valid online remittance transaction through UAE Exchange website or mobile application before 1st April 2019.
The customers who complete online remittance transactions through UAE Exchange website or mobile application for a cumulative value of AED 15,000 or more during the Promotion Period become entitled to the Prize as per the Categories provided below (“Eligible Customer”) and subject to participating in the Promotion.
Customers who have made at least one online transaction before 1st April 2019 are eligible for this PROMO.
Customers who are doing their first ever online remittance transaction through UAE Exchange website or mobile application between 1st April 2019 & 20th April 2019 are not eligible for this promo.
The customers who wish to participate in the Promotion must use the promo code “SPRING” while doing the transaction during the Promotion Period.
For any further clarification and complaints, please write to us at support.services@uaeexchange.com with “SPRING Rewards” in the subject line. Such complaints will be responded within Seven (7) working days from the date of receipt of the complaint.
The Promotion eligibility will be based on a successful credit transaction made by the customer through https://ae.uaeexchange.com and/or the UAE Exchange mobile application in UAE.
Customer can win a Prize for a maximum value of AED 1200 only.
The maximum number of transaction per customer per month is 8.
Both Account Credit & Cash Payout transfers are eligible. In case of cash payout, there is no need of using promo code.
UAEEC makes no representations or warranties. The decision and declaration of Eligible Customers will be at the sole discretion of UAEEC.
UAEEC reserves the right to amend, delete or add to these Promotion Terms and Conditions without prior notice at any time during the Promotion Period and the Eligible Customers shall be bound by such changes. UAEEC reserves the right to postpone/cancel the Promotion for any reason whatsoever.
The decision of UAEEC with regard to any issue or conflict or any other matter regarding the Promotion will be final and legally binding on all the Eligible Customers.

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this promotion (“spring rewards” or “promotion”) is organized and conducted by uae exchange centre llc ('uaeec'), through its online channel i.e. uaeec website https://ae.uaeexchange.com and/or mobile application in uae. uaeec may advertise the promotion through various digital channels viz facebook, twitter, google amongst others.
customers should have completed at least one valid online remittance transaction through uae exchange website or mobile application before 1st april 2019.
the customers who complete online remittance transactions through uae exchange website or mobile application for a cumulative value of aed 15,000 or more during the promotion period become entitled to the prize as per the categories provided below (“eligible customer”) and subject to participating in the promotion.
customers who have made at least one online transaction before 1st april 2019 are eligible for this promo.
customers who are doing their first ever online remittance transaction through uae exchange website or mobile application between 1st april 2019 & 20th april 2019 are not eligible for this promo.
the customers who wish to participate in the promotion must use the promo code “spring” while doing the transaction during the promotion period.
for any further clarification and complaints, please write to us at support.services@uaeexchange.com with “spring rewards” in the subject line. such complaints will be responded within seven (7) working days from the date of receipt of the complaint.
the promotion eligibility will be based on a successful credit transaction made by the customer through https://ae.uaeexchange.com and/or the uae exchange mobile application in uae.
customer can win a prize for a maximum value of aed 1200 only.
the maximum number of transaction per customer per month is 8.
both account credit & cash payout transfers are eligible. in case of cash payout, there is no need of using promo code.
uaeec makes no representations or warranties. the decision and declaration of eligible customers will be at the sole discretion of uaeec.
uaeec reserves the right to amend, delete or add to these promotion terms and conditions without prior notice at any time during the promotion period and the eligible customers shall be bound by such changes. uaeec reserves the right to postpone/cancel the promotion for any reason whatsoever.
the decision of uaeec with regard to any issue or conflict or any other matter regarding the promotion will be final and legally binding on all the eligible customers.


text:
PistonHeads have 2 parts & plates available for sale in Cambridge today from trade and private sellers in your area. You can use the search filters on the left to help refine your search and find your ideal parts & plate.
Fantastic number plate for a GTS Carrera 4, or Ferrari 275 GTS 4 cam or Ferrari 365 GTS/4 cam etc.
I have it on my Ferrari at the moment but will put on retention as soon as interest is shown.

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pistonheads have 2 parts & plates available for sale in cambridge today from trade and private sellers in your area. you can use the search filters on the left to help refine your search and find your ideal parts & plate.
fantastic number plate for a gts carrera 4, or ferrari 275 gts 4 cam or ferrari 365 gts/4 cam etc.
i have it on my ferrari at the moment but will put on retention as soon as interest is shown.


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Bryan and I’s two year wedding anniversary is coming up on May 11th and to celebrate we ventured to Charleston, SC for a long weekend getaway! We have been wanting to take a trip to Charleston for a long time after hearing from so many people about how great of a city it is.
Bryan and I’s two year wedding anniversary is coming up on May 11th and to celebrate we ventured to Charleston, SC for a long weekend getaway! We have been wanting to take a trip to Charleston for a long time after hearing from so many people about how great of a city it is. If I could sum it all up in two words it would be: SOUTHERN.FOOD. Seriously. It was all incredible – from shrimp and grits to fried chicken, and all that is in between! Now, coming home we both feel the need to run a little bit extra at the gym this week.
Aside from eating grits, grits, and more grits…we had the opportunity to take in one of the most beautiful places we both had ever visited. I would describe Charleston as Pleasantville. Everyone is unusually nice, the streets are spotless, the architecture is gorgeous, and you can get from a beautiful downtown atmosphere to a beach in just minutes! If you haven’t already been to Charleston, we highly recommend it.
There are so many moments I didn’t capture photos of, from a beach day at Isle of Palms, golfing The Links at Stono Ferry, and all of the food I mentioned (though I’m sure that could have been a post all on its own), but I wanted to share a few photos from our trip below: A stroll along the waterfront/Rainbow Row, a visit to Boone Hall Plantation, a wonderful visit with our good friends from Hilton Head, and our special anniversary date night dining at the Charleston Grille.

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bryan and i’s two year wedding anniversary is coming up on may 11th and to celebrate we ventured to charleston, sc for a long weekend getaway! we have been wanting to take a trip to charleston for a long time after hearing from so many people about how great of a city it is.
bryan and i’s two year wedding anniversary is coming up on may 11th and to celebrate we ventured to charleston, sc for a long weekend getaway! we have been wanting to take a trip to charleston for a long time after hearing from so many people about how great of a city it is. if i could sum it all up in two words it would be: southern.food. seriously. it was all incredible – from shrimp and grits to fried chicken, and all that is in between! now, coming home we both feel the need to run a little bit extra at the gym this week.
aside from eating grits, grits, and more grits…we had the opportunity to take in one of the most beautiful places we both had ever visited. i would describe charleston as pleasantville. everyone is unusually nice, the streets are spotless, the architecture is gorgeous, and you can get from a beautiful downtown atmosphere to a beach in just minutes! if you haven’t already been to charleston, we highly recommend it.
there are so many moments i didn’t capture photos of, from a beach day at isle of palms, golfing the links at stono ferry, and all of the food i mentioned (though i’m sure that could have been a post all on its own), but i wanted to share a few photos from our trip below: a stroll along the waterfront/rainbow row, a visit to boone hall plantation, a wonderful visit with our good friends from hilton head, and our special anniversary date night dining at the charleston grille.


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MOSCOW, June 23. /TASS/. Frigates Admiral Essen and Admiral Grigorovich and Krasnodar submarine have destroyed by Kalibr cruise missiles large depots of armaments and ammunition of the Islamic State terrorists in Syria, Russia’s Defense Ministry said on Friday.
"The launches of six Kalibr cruise missiles were carried out from the eastern part of water area of the Mediterranean Sea by frigates Admiral Essen, Admiral Grigorovich and Krasnodar submarine of Russia’s Navy on the targets of the IS terrorist group in Syria," the statement said.
The surprise massive missile strike destroyed command posts and large depots of armaments and ammunition of the IS terrorists near the Akerbat town in the Hama province, where an arsenal of gunmen was blown up after being hit by the Kalibr cruise missile, the ministry said.
The ministry stressed that Russia's advanced diesel-electric Krasnodar submarine carried out launches of cruise missiles while submerged. "The remaining gunmen and targets of the IS terrorists were destroyed by airstrikes of bombers of Russia’s Aerospace Forces," it said.
Russia informed the commands of Turkey and Israel timely about the launches of cruise missiles via channels of communication.
The Islamic State terrorist group is deploying militants to Syria’s Hama where they equip command posts and also depots of armaments and ammunition, Russia’s Defense Ministry said.
"Taking advantage of the dark time and a difficult ground relief, the terrorists deploy gunmen via various routes to the Hama province, where later they equip command posts and also depots of armaments and ammunition in large buildings," the ministry said.
The ministry also noted that the command of Russia’s force grouping in Syria has launched a round-the-clock monitoring with the use of all kinds of intelligence on the routes of exit and dispersal areas of the IS terrorists. The detected terrorist targets are destroyed by high-precision weapons systems and aircraft of Russia’s Aerospace Forces.
Over the past week, the IS terrorists have continued attempts to leave Raqqa and head to Palmyra via the "southern corridor," it said.

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moscow, june 23. /tass/. frigates admiral essen and admiral grigorovich and krasnodar submarine have destroyed by kalibr cruise missiles large depots of armaments and ammunition of the islamic state terrorists in syria, russia’s defense ministry said on friday.
"the launches of six kalibr cruise missiles were carried out from the eastern part of water area of the mediterranean sea by frigates admiral essen, admiral grigorovich and krasnodar submarine of russia’s navy on the targets of the is terrorist group in syria," the statement said.
the surprise massive missile strike destroyed command posts and large depots of armaments and ammunition of the is terrorists near the akerbat town in the hama province, where an arsenal of gunmen was blown up after being hit by the kalibr cruise missile, the ministry said.
the ministry stressed that russia's advanced diesel-electric krasnodar submarine carried out launches of cruise missiles while submerged. "the remaining gunmen and targets of the is terrorists were destroyed by airstrikes of bombers of russia’s aerospace forces," it said.
russia informed the commands of turkey and israel timely about the launches of cruise missiles via channels of communication.
the islamic state terrorist group is deploying militants to syria’s hama where they equip command posts and also depots of armaments and ammunition, russia’s defense ministry said.
"taking advantage of the dark time and a difficult ground relief, the terrorists deploy gunmen via various routes to the hama province, where later they equip command posts and also depots of armaments and ammunition in large buildings," the ministry said.
the ministry also noted that the command of russia’s force grouping in syria has launched a round-the-clock monitoring with the use of all kinds of intelligence on the routes of exit and dispersal areas of the is terrorists. the detected terrorist targets are destroyed by high-precision weapons systems and aircraft of russia’s aerospace forces.
over the past week, the is terrorists have continued attempts to leave raqqa and head to palmyra via the "southern corridor," it said.


text:
Samsung E1310B Unlock Codes | Free Your Samsung E1310B Mobile Phone Today.
STEP 2: Enter Your Samsung E1310B Details.
You must check the label underneath the battery of your Samsung E1310B (see image below) and make sure you have got the correct IMEI Number.
Make sure you read and understand the Samsung E1310B Unlock Code Checklist before you purchase a Samsung unlock code for your Samsung E1310B!

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samsung e1310b unlock codes | free your samsung e1310b mobile phone today.
step 2: enter your samsung e1310b details.
you must check the label underneath the battery of your samsung e1310b (see image below) and make sure you have got the correct imei number.
make sure you read and understand the samsung e1310b unlock code checklist before you purchase a samsung unlock code for your samsung e1310b!


text:
Darkness was her only companion.
A young woman’s body is discovered in a remote Sussex location. The female student had been held captive before she was tortured and killed in the most heinous manner.
Detective Inspector Scott Baker and his team must uncover the events that led to her tragic death.
The savagery of the murder points to a twisted and deranged psychopath with a propensity to exact extreme violence. A killer with the darkest of minds. A depraved individual whose actions go beyond the realms of rational thinking.
Stalking his victims, the killer is preying on lone female students that match his specific taste.
With no evidence and no witnesses, the killer is set on making it hard for those investigating to find him. Will Scott catch a murderer who’s lost his grip on reality?
Unexpectedly, another student is murdered in exactly the same circumstances. Scott and the team must get to this terrifying and sadistic killer before panic sets in amongst an already nervous student population.
The eyes of the force are on Scott as the pressure mounts to get a result.
With few clues to go on, Scott’s job becomes harder when a face from his past resurfaces to haunt him and shake up his new life. A moral dilemma ensues that forces Scott to put his career and relationship on the line.
Faced with mounting pressure, can Scott turn this around before his life and career spiral out of control?

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darkness was her only companion.
a young woman’s body is discovered in a remote sussex location. the female student had been held captive before she was tortured and killed in the most heinous manner.
detective inspector scott baker and his team must uncover the events that led to her tragic death.
the savagery of the murder points to a twisted and deranged psychopath with a propensity to exact extreme violence. a killer with the darkest of minds. a depraved individual whose actions go beyond the realms of rational thinking.
stalking his victims, the killer is preying on lone female students that match his specific taste.
with no evidence and no witnesses, the killer is set on making it hard for those investigating to find him. will scott catch a murderer who’s lost his grip on reality?
unexpectedly, another student is murdered in exactly the same circumstances. scott and the team must get to this terrifying and sadistic killer before panic sets in amongst an already nervous student population.
the eyes of the force are on scott as the pressure mounts to get a result.
with few clues to go on, scott’s job becomes harder when a face from his past resurfaces to haunt him and shake up his new life. a moral dilemma ensues that forces scott to put his career and relationship on the line.
faced with mounting pressure, can scott turn this around before his life and career spiral out of control?


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These high-rise Mississauga condos were built in 2008 by Ovation at City Centre Inc. Located in Mississauga's City Centre neighbourhood, the nearest main intersection to Grand Ovation Condos is Burnhamthorpe Rd & Living Arts Dr. Grand Ovation Condos is a 35 storey condo, located at 310 Burnhamthorpe Rd W. With suites ranging in size from 600 to 1332 sqft, this Mississauga condo has 457 units. Residents of this condo can enjoy amenities like a Gym / Exercise Room, Pool, Common Rooftop Deck and a Concierge, along with BBQs, Guest Suites, Meeting / Function Room, Outdoor Patio / Garden, Sauna and an Enter Phone System. Monthly maintenance fees include Air Conditioning, Common Element Maintenance, Heat, Building Insurance, Parking and Water.
Want to dine out? There are plenty of good restaurant choices not too far from Grand Ovation Condos, like Alijandro's Kitchen, Smokes Poutinerie and Pizza Nova, just to name a few. Grab your morning coffee at Second Cup located at 4100 Living Arts Drive. Groceries can be found at Rabba Fine Foods which is not far and you'll find Parkside Pharmacy a 3-minute walk as well. Cineplex Cinemas Mississauga is only at a short distance from 310 Burnhamthorpe Rd W. For nearby green space, Celebration Square, The Queen Elizabeth Jubilee Garden and Kariya Park could be good to get out of your condo and catch some fresh air or to take your dog for a walk.
If you are reliant on transit, don't fear, Grand Ovation Condos has a MiWay Bus Stop only steps away.

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these high-rise mississauga condos were built in 2008 by ovation at city centre inc. located in mississauga's city centre neighbourhood, the nearest main intersection to grand ovation condos is burnhamthorpe rd & living arts dr. grand ovation condos is a 35 storey condo, located at 310 burnhamthorpe rd w. with suites ranging in size from 600 to 1332 sqft, this mississauga condo has 457 units. residents of this condo can enjoy amenities like a gym / exercise room, pool, common rooftop deck and a concierge, along with bbqs, guest suites, meeting / function room, outdoor patio / garden, sauna and an enter phone system. monthly maintenance fees include air conditioning, common element maintenance, heat, building insurance, parking and water.
want to dine out? there are plenty of good restaurant choices not too far from grand ovation condos, like alijandro's kitchen, smokes poutinerie and pizza nova, just to name a few. grab your morning coffee at second cup located at 4100 living arts drive. groceries can be found at rabba fine foods which is not far and you'll find parkside pharmacy a 3-minute walk as well. cineplex cinemas mississauga is only at a short distance from 310 burnhamthorpe rd w. for nearby green space, celebration square, the queen elizabeth jubilee garden and kariya park could be good to get out of your condo and catch some fresh air or to take your dog for a walk.
if you are reliant on transit, don't fear, grand ovation condos has a miway bus stop only steps away.


text:
May you both have an awesome day!
Hope that you both have a great Birthday !!!
Wishing all of you a very Happy Birthday !!!

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may you both have an awesome day!
hope that you both have a great birthday !!!
wishing all of you a very happy birthday !!!


text: This page on TabNabber is designed for frames. Your browser doesn't appear to support them, but we won't leave you hangin. You can still access the link you requested for Gary Stewart ringtones here.

lowercased: this page on tabnabber is designed for frames. your browser doesn't appear to support them, but we won't leave you hangin. you can still access the link you requested for gary stewart ringtones here.


text:
To some, it’s losing their figure under baggy clothes. Forgetting to wear makeup/get dolled up. It’s forgetting who they used to be with everyone and everything before their child.
For me, being a mother is having to play the hardest yet most rewarding role ever.
I wake up in the middle of the night to the sound of his cry, I worry about his well-being more than my own. I’m ready to give him the world and everything in it.
I stand tall in my own shoes — even if they’re flats or a pair of 5 inch heels. Regardless, I’m ready to fight boogie monsters, kiss his little boo-boos and give him cootie shots when girls come around.

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to some, it’s losing their figure under baggy clothes. forgetting to wear makeup/get dolled up. it’s forgetting who they used to be with everyone and everything before their child.
for me, being a mother is having to play the hardest yet most rewarding role ever.
i wake up in the middle of the night to the sound of his cry, i worry about his well-being more than my own. i’m ready to give him the world and everything in it.
i stand tall in my own shoes — even if they’re flats or a pair of 5 inch heels. regardless, i’m ready to fight boogie monsters, kiss his little boo-boos and give him cootie shots when girls come around.


text:
Approximately 2,500 California teens, as well as their pastors, coaches, and teachers filled Azusa Pacific University’s Felix Event Center for an evening of food, fun, and fellowship on Saturday, March 23, 2019, at the 35th Annual Night of Champions (NOC). Hosted by the East San Gabriel Valley Fellowship of Christian Athletes (FCA), this ministry focuses on reaching youth by offering them an opportunity to meet sports and entertainment heroes and listen to personal testimonies concerning their relationship with Jesus Christ. Pastor Francis Chan shared the Gospel message and hundreds gave their lives to Christ that evening.
A key to its long running success, NOC makes the Gospel message accessible. Youth from diverse backgrounds find a welcoming and engaging environment where they enjoy a good time and hear about Christ’s love. Ticket prices are intentionally kept low to ensure all who are interested can attend.
“I estimate that in the last 35 years, 100,000 people have heard the Gospel at Night of Champions and many thousands have accepted Christ,” said Terry Franson, Ph.D., senior vice president emeritus, whose involvement spans NOC’s entire history.
Throughout the school year, FCA hosts meetings on the university’s campus Tuesday evenings where APU student athletes gather together to share their testimonies and participate in discipleship groups. NOC marks the culmination of their time together and provides a way to connect with the next generation of students and student athletes.
Rachel White serves as the associate director of public relations in the Office of University Relations at Azusa Pacific University.

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approximately 2,500 california teens, as well as their pastors, coaches, and teachers filled azusa pacific university’s felix event center for an evening of food, fun, and fellowship on saturday, march 23, 2019, at the 35th annual night of champions (noc). hosted by the east san gabriel valley fellowship of christian athletes (fca), this ministry focuses on reaching youth by offering them an opportunity to meet sports and entertainment heroes and listen to personal testimonies concerning their relationship with jesus christ. pastor francis chan shared the gospel message and hundreds gave their lives to christ that evening.
a key to its long running success, noc makes the gospel message accessible. youth from diverse backgrounds find a welcoming and engaging environment where they enjoy a good time and hear about christ’s love. ticket prices are intentionally kept low to ensure all who are interested can attend.
“i estimate that in the last 35 years, 100,000 people have heard the gospel at night of champions and many thousands have accepted christ,” said terry franson, ph.d., senior vice president emeritus, whose involvement spans noc’s entire history.
throughout the school year, fca hosts meetings on the university’s campus tuesday evenings where apu student athletes gather together to share their testimonies and participate in discipleship groups. noc marks the culmination of their time together and provides a way to connect with the next generation of students and student athletes.
rachel white serves as the associate director of public relations in the office of university relations at azusa pacific university.


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Reserve Your Sponsorship Before They Sell Out!
We expect that the MESC 2019 sponsorship opportunities will sell out by the end of April – reserve yours before we sell out!
Be sure to visit our Sponsorship page for additional details on each of the available sponsorships, and to reserve yours today.
← Registration for MESC 2019 is Now Open!

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reserve your sponsorship before they sell out!
we expect that the mesc 2019 sponsorship opportunities will sell out by the end of april – reserve yours before we sell out!
be sure to visit our sponsorship page for additional details on each of the available sponsorships, and to reserve yours today.
← registration for mesc 2019 is now open!


text:
Everyone needs some degree of estate planning. Estate plans need to be tailored to the needs of the individual. The following estate plan checklist will explain various types of estate planning documents, and help you evaluate those that will be of value to you. Even if you decide to turn the matter over to an estate planning attorney, you should still have a basic understanding of what is involved. Remember those is fail to plan, plan to fail, and then you are going to need a probate attorney.
A comprehensive estate plan should consider what happens in the event of both death and disability. It should take into consideration what you want to happen to your property upon your death, the financial well-being of your family, the degree to which probate can be avoided, and how to eliminate or minimize estate taxes. These goals can be accomplished through various means, including properly setting up ownership of assets, designating beneficiaries where possible, and executing one or more estate planning forms. In addition to financial matters, an estate planning checklist should also consider the guardianship of any minor children, and medical treatment planning.
Any asset that has title documents (real estate, motor vehicles, etc.) can be set up so that upon your death the title automatically passes to a co-owner. Most often this is a spouse. The title document must clearly indicate that ownership is held as joint tenants with rights of survivorship, as tenants by the entireties, or as community property.
There are two potential downsides to adding someone as a joint owner. First, you will need the joint owner to agree to any sale of, or loan secured by, the property. Second, if the value of the property exceeds a certain amount, it could trigger the federal gift tax.
For some assets you can designate someone to receive the property upon your death, without giving them any current ownership rights. This is often done with bank and other financial accounts (usually called pay-on-death or POD). Designating a beneficiary is available in almost all states for brokerage accounts, and in some states for real estate, motor vehicles, and other assets with title documents (usually called transfer-on-death or TOD).
One way to ensure that all of your debts (including burial expenses) are paid in the event of death or disability, and that your loved ones are provided for, is through auto, homeowners, disability, and life insurance.
A last will and testament takes care of any property that must be probated. A last will can also deal with the care of any minor children (or adult children with disabilities). You designate who will get any property that hasn’t been handled through joint ownership or a beneficiary designation, appoint someone you trust as the executor of your estate, and appoint someone you trust to be the guardian or conservator of your minor or disabled children.
Especially if you have a large estate, or many beneficiaries, a living trust is usually the best choice for handling distribution of property, avoiding probate, and minimizing estate taxes. To avoid probate, most people create a revocable living trust (“revocable” since you may revoke the trust at any time). Property title is transferred from you to the living trust, and you become the trustee. While you are still alive, you control the property. You manage the property the same as if it was still in your name (sell or mortgage it, for example), and may acquire more property and add it to the trust. Upon death, a person you appoint as your successor trustee assures that the property is transferred to those you designate as trust beneficiaries. This transfer does not require probate. The successor trustee would also manage the trust if you become mentally incapacitated. People sometimes create an irrevocable living trust (most often for Medicaid planning), which also avoids probate, but requires the person creating it to give up the right to revoke it.
A financial power of attorney authorizes someone you trust to act on your behalf in financial matters. The person who gives the authority is called the principal, and the person who has the authority to act for the principal is called the agent or the attorney-in-fact. Many states have an official financial power of attorney form.
Depending upon how it is worded, a power of attorney (or POA) can either become effective immediately, or upon the occurrence of a future event (such as your mental incapacity). If effective immediately, your agent may act even if you are available and not incapacitated. If a POA becomes effective upon the occurrence of a future event, it is called a springing power of attorney, because it “springs” into effect if the event occurs. The authority conferred by a POA always ends upon the death of the principal.
A health care power of attorney designates someone you trust to make decisions regarding your health care in the event you are mentally or physically unable to make decisions for yourself. You should discuss your desires for medical treatment with your health care agent (sometimes called a surrogate).
A living will, also known as an advance directive, sets forth your wishes regarding what types of life-prolonging medical treatment you do, or do not, want in the event you become terminally ill or injured and are unable to communicate your wishes. A living will goes along with a health care power of attorney, as it can serve as a guide to your agent, or can express your wishes in the event your agent is unavailable at a crucial moment.
This is not a legally binding document, but gives valuable information and guidance to your executor. It should include the information needed to clearly identify and locate all of your financial accounts, insurance policies, credit cards, vehicle loans, and mortgages. It should include contact information for relatives and close friends to be notified of your death; where assets are located (safe deposit boxes, storage units, etc.); and instructions regarding your desires for burial, cremation, funeral ceremonies, organ donation, etc.

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everyone needs some degree of estate planning. estate plans need to be tailored to the needs of the individual. the following estate plan checklist will explain various types of estate planning documents, and help you evaluate those that will be of value to you. even if you decide to turn the matter over to an estate planning attorney, you should still have a basic understanding of what is involved. remember those is fail to plan, plan to fail, and then you are going to need a probate attorney.
a comprehensive estate plan should consider what happens in the event of both death and disability. it should take into consideration what you want to happen to your property upon your death, the financial well-being of your family, the degree to which probate can be avoided, and how to eliminate or minimize estate taxes. these goals can be accomplished through various means, including properly setting up ownership of assets, designating beneficiaries where possible, and executing one or more estate planning forms. in addition to financial matters, an estate planning checklist should also consider the guardianship of any minor children, and medical treatment planning.
any asset that has title documents (real estate, motor vehicles, etc.) can be set up so that upon your death the title automatically passes to a co-owner. most often this is a spouse. the title document must clearly indicate that ownership is held as joint tenants with rights of survivorship, as tenants by the entireties, or as community property.
there are two potential downsides to adding someone as a joint owner. first, you will need the joint owner to agree to any sale of, or loan secured by, the property. second, if the value of the property exceeds a certain amount, it could trigger the federal gift tax.
for some assets you can designate someone to receive the property upon your death, without giving them any current ownership rights. this is often done with bank and other financial accounts (usually called pay-on-death or pod). designating a beneficiary is available in almost all states for brokerage accounts, and in some states for real estate, motor vehicles, and other assets with title documents (usually called transfer-on-death or tod).
one way to ensure that all of your debts (including burial expenses) are paid in the event of death or disability, and that your loved ones are provided for, is through auto, homeowners, disability, and life insurance.
a last will and testament takes care of any property that must be probated. a last will can also deal with the care of any minor children (or adult children with disabilities). you designate who will get any property that hasn’t been handled through joint ownership or a beneficiary designation, appoint someone you trust as the executor of your estate, and appoint someone you trust to be the guardian or conservator of your minor or disabled children.
especially if you have a large estate, or many beneficiaries, a living trust is usually the best choice for handling distribution of property, avoiding probate, and minimizing estate taxes. to avoid probate, most people create a revocable living trust (“revocable” since you may revoke the trust at any time). property title is transferred from you to the living trust, and you become the trustee. while you are still alive, you control the property. you manage the property the same as if it was still in your name (sell or mortgage it, for example), and may acquire more property and add it to the trust. upon death, a person you appoint as your successor trustee assures that the property is transferred to those you designate as trust beneficiaries. this transfer does not require probate. the successor trustee would also manage the trust if you become mentally incapacitated. people sometimes create an irrevocable living trust (most often for medicaid planning), which also avoids probate, but requires the person creating it to give up the right to revoke it.
a financial power of attorney authorizes someone you trust to act on your behalf in financial matters. the person who gives the authority is called the principal, and the person who has the authority to act for the principal is called the agent or the attorney-in-fact. many states have an official financial power of attorney form.
depending upon how it is worded, a power of attorney (or poa) can either become effective immediately, or upon the occurrence of a future event (such as your mental incapacity). if effective immediately, your agent may act even if you are available and not incapacitated. if a poa becomes effective upon the occurrence of a future event, it is called a springing power of attorney, because it “springs” into effect if the event occurs. the authority conferred by a poa always ends upon the death of the principal.
a health care power of attorney designates someone you trust to make decisions regarding your health care in the event you are mentally or physically unable to make decisions for yourself. you should discuss your desires for medical treatment with your health care agent (sometimes called a surrogate).
a living will, also known as an advance directive, sets forth your wishes regarding what types of life-prolonging medical treatment you do, or do not, want in the event you become terminally ill or injured and are unable to communicate your wishes. a living will goes along with a health care power of attorney, as it can serve as a guide to your agent, or can express your wishes in the event your agent is unavailable at a crucial moment.
this is not a legally binding document, but gives valuable information and guidance to your executor. it should include the information needed to clearly identify and locate all of your financial accounts, insurance policies, credit cards, vehicle loans, and mortgages. it should include contact information for relatives and close friends to be notified of your death; where assets are located (safe deposit boxes, storage units, etc.); and instructions regarding your desires for burial, cremation, funeral ceremonies, organ donation, etc.


text:
Aesthetics is the main selling point for wood furniture and electronic appliances manufacturers.
Consumers are looking for wood that is smooth to the touch with an even satin gloss.
Orgasol® powder is the best solution to achieve smooth texture and gloss. The spherical shape and uniform particle size of Orgasol® powder create a soft and silky texture.
Adding Orgasol® powder at low level (< 2%) has no impact on varnish transparency and enables good mar resistance.
Orgasol® powder can also be used as a topcoat for tables, doors, or windows to improve scratch resistance.
If you need further information on Orgasol® powder properties for furniture coatings, please feel free to contact us or request industrial coating technical brochure.

lowercased:
aesthetics is the main selling point for wood furniture and electronic appliances manufacturers.
consumers are looking for wood that is smooth to the touch with an even satin gloss.
orgasol® powder is the best solution to achieve smooth texture and gloss. the spherical shape and uniform particle size of orgasol® powder create a soft and silky texture.
adding orgasol® powder at low level (< 2%) has no impact on varnish transparency and enables good mar resistance.
orgasol® powder can also be used as a topcoat for tables, doors, or windows to improve scratch resistance.
if you need further information on orgasol® powder properties for furniture coatings, please feel free to contact us or request industrial coating technical brochure.


text:
1. Blessed is He Who hath revealed unto His slave the Criterion (of right and wrong), that he may be a warner to the peoples.
7. And they say: What aileth this messenger (of Allah) that he eateth food and walketh in the markets ? Why is not an angel sent down unto him, to be a warner with him.
8. Or (why is not) treasure thrown down unto him, or why hath he not a paradise from whence to eat ? And the evil-doers say: Ye are but following a man bewitched.
10. Blessed is He Who, if He will, will assign thee better than (all) that - Gardens underneath which rivers flow - and will assign thee mansions.
15. Say: Is that (doom) better or the Garden of Immortality which is promised unto those who ward off (evil) ? It will be their reward and journey's end.
17. And on the day when He will assemble them and that which they worship instead of Allah and will say: Was it ye who misled these my slaves or did they (themselves) wander from the way ?
19. Thus they will give you the lie regarding what ye say, then ye can neither avert (the doom) nor obtain help. And whoso among you doeth wrong, We shall make him taste great torment.
20. We never sent before thee any messengers but lo! they verily ate food and walked in the markets. And We have appointed some of you a test for others: Will ye be steadfast ? And thy Lord is ever Seer.
21. And those who look not for a meeting with Us say: Why are angels not sent down unto us and (Why) do we not see our Lord! Assuredly they think too highly of themselves and are scornful with great pride.
25. A day when the heaven with the clouds will be rent asunder and the angels will be sent down, a grand descent.
27. On the day when the wrong-doer gnaweth his hands, he will say: Ah, would that I had chosen a way together with the messenger (of Allah)!
30. And the messenger saith: O my Lord! Lo! mine own folk make this Qur'an of no account.
32. And those who disbelieve say: Why is the Qur'an not revealed unto him all at once ? (It is revealed) thus that We may strengthen thy heart therewith; and We have arranged it in right order.
37. And Noah's folk, when they denied the messengers, We drowned them and made of them a portent for mankind. We have prepared a painful doom for evil-doers.
40. And indeed they have passed by the township whereon was rained the fatal rain. Can it be that they have not seen it ? Nay, but they hope for no resurrection.
41. And when they see thee (O Muhammad) they treat thee only as a jest (saying): Is this he whom Allah sendeth as a messenger ?
42. He would have led us far away from our gods if we had not been staunch to them. They will know, when they behold the doom, who is more astray as to the road.
43. Hast thou seen him who chooseth for his god his own lust ? Wouldst thou then be guardian over him ?
44. Or deemest thou that most of them hear or understand ? They are but as the cattle - nay, but they are farther astray ?
46. Then We withdraw it unto Us, a gradual withdrawal ?
59. Who created the heavens and the earth and all that is between them in six Days, then He mounted the Throne. The Beneficent! Ask anyone informed concerning Him!
60. And when it is said unto them: Adore the Beneficent! they say: And what is the Beneficent ? Are we to adore whatever thou (Muhammad) biddest us ? And it increaseth aversion in them.
76. Abiding there for ever. Happy is it as abode and station!
77. Say (O Muhammad, unto the disbelievers): My Lord would not concern Himself with you but for your prayer. But now ye have denied (the Truth), therefore there will be judgment.

lowercased:
1. blessed is he who hath revealed unto his slave the criterion (of right and wrong), that he may be a warner to the peoples.
7. and they say: what aileth this messenger (of allah) that he eateth food and walketh in the markets ? why is not an angel sent down unto him, to be a warner with him.
8. or (why is not) treasure thrown down unto him, or why hath he not a paradise from whence to eat ? and the evil-doers say: ye are but following a man bewitched.
10. blessed is he who, if he will, will assign thee better than (all) that - gardens underneath which rivers flow - and will assign thee mansions.
15. say: is that (doom) better or the garden of immortality which is promised unto those who ward off (evil) ? it will be their reward and journey's end.
17. and on the day when he will assemble them and that which they worship instead of allah and will say: was it ye who misled these my slaves or did they (themselves) wander from the way ?
19. thus they will give you the lie regarding what ye say, then ye can neither avert (the doom) nor obtain help. and whoso among you doeth wrong, we shall make him taste great torment.
20. we never sent before thee any messengers but lo! they verily ate food and walked in the markets. and we have appointed some of you a test for others: will ye be steadfast ? and thy lord is ever seer.
21. and those who look not for a meeting with us say: why are angels not sent down unto us and (why) do we not see our lord! assuredly they think too highly of themselves and are scornful with great pride.
25. a day when the heaven with the clouds will be rent asunder and the angels will be sent down, a grand descent.
27. on the day when the wrong-doer gnaweth his hands, he will say: ah, would that i had chosen a way together with the messenger (of allah)!
30. and the messenger saith: o my lord! lo! mine own folk make this qur'an of no account.
32. and those who disbelieve say: why is the qur'an not revealed unto him all at once ? (it is revealed) thus that we may strengthen thy heart therewith; and we have arranged it in right order.
37. and noah's folk, when they denied the messengers, we drowned them and made of them a portent for mankind. we have prepared a painful doom for evil-doers.
40. and indeed they have passed by the township whereon was rained the fatal rain. can it be that they have not seen it ? nay, but they hope for no resurrection.
41. and when they see thee (o muhammad) they treat thee only as a jest (saying): is this he whom allah sendeth as a messenger ?
42. he would have led us far away from our gods if we had not been staunch to them. they will know, when they behold the doom, who is more astray as to the road.
43. hast thou seen him who chooseth for his god his own lust ? wouldst thou then be guardian over him ?
44. or deemest thou that most of them hear or understand ? they are but as the cattle - nay, but they are farther astray ?
46. then we withdraw it unto us, a gradual withdrawal ?
59. who created the heavens and the earth and all that is between them in six days, then he mounted the throne. the beneficent! ask anyone informed concerning him!
60. and when it is said unto them: adore the beneficent! they say: and what is the beneficent ? are we to adore whatever thou (muhammad) biddest us ? and it increaseth aversion in them.
76. abiding there for ever. happy is it as abode and station!
77. say (o muhammad, unto the disbelievers): my lord would not concern himself with you but for your prayer. but now ye have denied (the truth), therefore there will be judgment.


text:
I did not have a Roth option added to my small business 401K when it was set up a couple of years ago. Can I add it now? Does adding this option give my employees any extra benefit?- Noreen Kugel is a seamstress from New Orleans, Louisiana.
The Small Business Jobs and Credit Act signed by President Obama in September 2010 lets employees who are already participating in a 401K plan to convert this plan to a Roth. Although the employee will have to recognize the income that is converted in this way (for tax purposes), it is still worthwhile considering that Roth funds grow tax free. Earlier, the only way your employee could have moved his traditional 401K funds to a Roth plan was to quit his job or retire and then move to a Roth IRA. With this new law, conversions have become easy and painless.
As employer, what you need to know is that you do incur some administrative costs and add a bit more to your accounting burden. But your employees will really appreciate the flexibility that the Roth addition gives them. You will find that the increased employee loyalty pays you back many times over. Use a DIY software package like http://low-cost-401k.com/plan.html to keep your plan management simple and cost effective so that the advantages you stand to gain from the Roth addition far outnumber the disadvantages.
Choosing the right retirement plan is not just important for your employees but also for your business. After all, the plan needs to match the needs of your business and keep within its limitations. At the same time, it should also offer some attractive benefits to employees so that they will voluntarily participate in it. Voluntary participation makes it far easier to manage the employee benefit plan.
A qualified plan like the 401K brings some special advantages to employees, but employers stand to gain by establishing such plans too. The most attractive benefit you get from establishing a qualified plan for your employees is the tax benefit. When you make contributions to the employee’s 401K account, you can claim tax deductions on them. By offering the best possible employer contribution matches, you can attract really skilled employees to your business. These employer contributions also help retain employees and build loyalty to among your staff.
The cost of setting up and managing such plans has considerably reduced in recent times, thanks to cost effective DIY 401 suites like http://low-cost-401k.com. You may be able to claim tax credit for some portion of the set up costs incurred when you establish a qualified plan and cut costs even further. In fact, you can claim such credits over the initial three years of the plan. It may also be possible for you to claim start up cost tax credit in the year before the financial year in which the plan becomes operational.
Which one is better for my business- the Roth 401K or the traditional 401K? What tax advantages do participants get with each?- Avis Charlebois, runs a florist shop in Boise, Idaho.
The 401K plan is one that is designed to offer the best possible savings options for a retired life for you and your employees. As different people have different kinds of investment needs, there are also variations of 401K plans for you to adopt. There is one main aspect to keep in mind when you are comparing the advantages of a traditional 401K with those of a Roth 401K plan.
A traditional 401K plan is built up using pre tax dollars. That is, you withhold a pre determined portion of each employee’s pay check before tax and divert this portion to the traditional 401K plan. As tax is not paid on these earnings at this time, they are taxable when the employee withdraws them in the future. The idea is that the employee may have retired and have low income at the time when he needs to withdraw funds from the traditional 401K. So he may fall within a lower tax bracket as well.
Contributions to a Roth 401K are made with taxed dollars when your employee feels that he may be in a higher tax bracket at withdrawal time. As the contributions are already taxed, withdrawals are completely tax free. However, a Roth can be offered only as a part of a traditional plan.
This difference in tax treatment is the main factor to keep in mind when comparing Roths with Traditional 401Ks. For more information on 401K basics you can look up sites like http://www.doityourself401k.com/ before you make your final decision.
Do I have to hire a professional to draw up a written plan document for my proposed 401K? Or can I simply do it myself? Darren Rapozo, Dunwoody, Georgia, runs a photo studio.
Your 401K needs a written plan document that is IRS approved. If you are getting your plan set up by a financial institution like a mutual fund company, bank or insurance firm, then they will probably have the right kind of plan document ready for you. Usually, 401K plan providers have their own prototype plans that are designed in line with the IRS requirements.
If you want to set up your own plan using a DIY package like http://smallbusiness401k.com/, then you may want to consult a professional about writing up the plan document before you actually start the set up process. When you decide to write you own plan document, you need not get prior IRS approval. However, if you prefer to do so, you can choose to get approval by paying a fee and asking for a determination letter. In case you have a financial advisor, he can tell you if you should indeed apply for such approval for your plan outline. In some cases, the fee is not applicable. So it is best for you to check with your advisor or look at the IRS website before you send in your fee. Remember that if in future, you employ some others for your business, a copy of the plan document must be given to them as well.

lowercased:
i did not have a roth option added to my small business 401k when it was set up a couple of years ago. can i add it now? does adding this option give my employees any extra benefit?- noreen kugel is a seamstress from new orleans, louisiana.
the small business jobs and credit act signed by president obama in september 2010 lets employees who are already participating in a 401k plan to convert this plan to a roth. although the employee will have to recognize the income that is converted in this way (for tax purposes), it is still worthwhile considering that roth funds grow tax free. earlier, the only way your employee could have moved his traditional 401k funds to a roth plan was to quit his job or retire and then move to a roth ira. with this new law, conversions have become easy and painless.
as employer, what you need to know is that you do incur some administrative costs and add a bit more to your accounting burden. but your employees will really appreciate the flexibility that the roth addition gives them. you will find that the increased employee loyalty pays you back many times over. use a diy software package like http://low-cost-401k.com/plan.html to keep your plan management simple and cost effective so that the advantages you stand to gain from the roth addition far outnumber the disadvantages.
choosing the right retirement plan is not just important for your employees but also for your business. after all, the plan needs to match the needs of your business and keep within its limitations. at the same time, it should also offer some attractive benefits to employees so that they will voluntarily participate in it. voluntary participation makes it far easier to manage the employee benefit plan.
a qualified plan like the 401k brings some special advantages to employees, but employers stand to gain by establishing such plans too. the most attractive benefit you get from establishing a qualified plan for your employees is the tax benefit. when you make contributions to the employee’s 401k account, you can claim tax deductions on them. by offering the best possible employer contribution matches, you can attract really skilled employees to your business. these employer contributions also help retain employees and build loyalty to among your staff.
the cost of setting up and managing such plans has considerably reduced in recent times, thanks to cost effective diy 401 suites like http://low-cost-401k.com. you may be able to claim tax credit for some portion of the set up costs incurred when you establish a qualified plan and cut costs even further. in fact, you can claim such credits over the initial three years of the plan. it may also be possible for you to claim start up cost tax credit in the year before the financial year in which the plan becomes operational.
which one is better for my business- the roth 401k or the traditional 401k? what tax advantages do participants get with each?- avis charlebois, runs a florist shop in boise, idaho.
the 401k plan is one that is designed to offer the best possible savings options for a retired life for you and your employees. as different people have different kinds of investment needs, there are also variations of 401k plans for you to adopt. there is one main aspect to keep in mind when you are comparing the advantages of a traditional 401k with those of a roth 401k plan.
a traditional 401k plan is built up using pre tax dollars. that is, you withhold a pre determined portion of each employee’s pay check before tax and divert this portion to the traditional 401k plan. as tax is not paid on these earnings at this time, they are taxable when the employee withdraws them in the future. the idea is that the employee may have retired and have low income at the time when he needs to withdraw funds from the traditional 401k. so he may fall within a lower tax bracket as well.
contributions to a roth 401k are made with taxed dollars when your employee feels that he may be in a higher tax bracket at withdrawal time. as the contributions are already taxed, withdrawals are completely tax free. however, a roth can be offered only as a part of a traditional plan.
this difference in tax treatment is the main factor to keep in mind when comparing roths with traditional 401ks. for more information on 401k basics you can look up sites like http://www.doityourself401k.com/ before you make your final decision.
do i have to hire a professional to draw up a written plan document for my proposed 401k? or can i simply do it myself? darren rapozo, dunwoody, georgia, runs a photo studio.
your 401k needs a written plan document that is irs approved. if you are getting your plan set up by a financial institution like a mutual fund company, bank or insurance firm, then they will probably have the right kind of plan document ready for you. usually, 401k plan providers have their own prototype plans that are designed in line with the irs requirements.
if you want to set up your own plan using a diy package like http://smallbusiness401k.com/, then you may want to consult a professional about writing up the plan document before you actually start the set up process. when you decide to write you own plan document, you need not get prior irs approval. however, if you prefer to do so, you can choose to get approval by paying a fee and asking for a determination letter. in case you have a financial advisor, he can tell you if you should indeed apply for such approval for your plan outline. in some cases, the fee is not applicable. so it is best for you to check with your advisor or look at the irs website before you send in your fee. remember that if in future, you employ some others for your business, a copy of the plan document must be given to them as well.


text:
Simba Suction Plate with Spoon & Fork set is designed especially for babies. The smooth and blunt edge keeps babies from being hurt by sharp tableware. Extra round and thick handle design of the spoon & fork is easy for baby to grab. The safe tableware set is ideal for parents to train their babies self feeding.
The unique suction pad design under the plate is convenient for the ware to fix on any tables properly to avoid spill when eating. Quality food grade materials offer the best safety for baby!

lowercased:
simba suction plate with spoon & fork set is designed especially for babies. the smooth and blunt edge keeps babies from being hurt by sharp tableware. extra round and thick handle design of the spoon & fork is easy for baby to grab. the safe tableware set is ideal for parents to train their babies self feeding.
the unique suction pad design under the plate is convenient for the ware to fix on any tables properly to avoid spill when eating. quality food grade materials offer the best safety for baby!