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WAQAR AHMAD AWAIS AKRAM EMBA (B&F) SECTIONSECTION-B
ROLL NO. 90 ROLL NO.123
PROF. RIAZ AHMED MIAN
This section covers the following topics: Bank and the Importance of Banking Services Generally Offered by Banks Commercial Bank
. of deposits of money. who carry on the business of banking” Or “A bank may be as an institution dealing mainly in money and credit.BANK AND THE IMPORTANCE OF BANKING
Bank and Banking:
Some authors are of opinion that the word bank is derived from the word "Banque" which means a "Bench". According to Banking Companies Ordinance 1962 “Banking is business receiving for lending or investment. draw. from public. order or otherwise”. A simple definition of bank is: “A bank includes a body of person. It accepts deposits from one class of people at a lower rate of interest and advances money out of these deposits to other class of people at higher rate of interest. repayable on demand or otherwise and which drawable by check.
Bank provides necessary funds for executive program in the process
of economic development. the economic development of a particular country is closely connected with the growth of a sound banking system. In short. Bank stimulate the habit of savings amount the people by the security and interest they offer with these savings which are deposited by people are in a position to utilize the deposited amount more productively. which in the absence of bank world have remained idle and unproductive.
. The bank increased the transaction capacity of the customers by advancing loans when they require for additional funds to finance their expanded program of business transaction. They collect savings of large masses of people scattered throughout the country. These amounts are collected.Importance of Banking:
Bank plays an important role in promoting economic development of a country. This provides finance for successfully carrying on various stages of production as well as distribution. pooled together and made available to commerce and industry for meeting the requirements.
particularly in a safe deposit box
• Cashing and distributing bank rolls
. and debit cards Storing valuables. In recent history. much of a bank's income is provided by overdraft fees and riskier investments. ATM cards.
Although the type of services offered by a bank depends upon the type of bank and the country.Profit Generation:
Traditionally. services provided usually include:
Taking deposits from their customers and issuing checking and savings accounts to individuals and businesses Extending loans to individuals and businesses Cashing cheques Facilitating money transactions such as wire transfers and cashiers checks
Issuing credit cards. a bank generates profits from transaction fees on financial services and from the interest it charges for lending. with historically low interest rates limiting banks' ability to earn money by lending deposited funds.
savings deposits. and time (or term) deposits. Its primary liabilities are deposits and primary assets are loans and bonds.Ways to Perform Financial Transactions:
Financial transactions can be performed through several different channels: • Branch • ATM • Mail • Telephone banking • Online banking
A commercial bank is a type of financial intermediary and a type of bank. It raises funds by collecting deposits from businesses and consumers via checkable deposits. This is what people normally call a "bank". It makes loans to businesses and consumers. It also buys corporate bonds and government bonds.
Congress required that banks only engage in banking activities.”
. whereas investment banks were limited to capital markets activities.
Banking Companies Ordinance 1962:
Banking Companies Ordinance 1962 defines it as: “Banking means the accepting for the purpose of lending or investing of deposits of money from the public repayable in demand or otherwise and withdrawable by cheque. Since the two no longer have to be under separate ownership. some use the term "commercial bank" to refer to a bank or a
division of a bank that mostly deals with deposits and loans from corporations or large businesses. the U. the term "trading bank" was and is used to denote a commercial bank. In some English-speaking countries outside North America.S.The term "commercial" was used to distinguish it from an investment bank. draft order or otherwise. After the Great Depression.
This section covers the following topics: • History • Vision Statement • Mission Statement • values
the Bank setup a brokerage company 'Emirates Islamic Financial Brokerage' (the “Subsidiary”) a wholly owned subsidiary. Dubai (the “Group Holding Company”). the Bank operates through 21 branches in the UAE. a resolution was passed to transform the Bank’s activities to be in full compliance with the Islamic Sharia. The entire process was completed on 9th of October 2004 (the “Transformation Date”) when the Bank obtained UAE Central Bank and other UAE authorities’ approvals. During the year ended December 31. The Bank is a subsidiary of Emirates Bank International PJSC. At an extraordinary general meeting held on 10th of March 2004. 2006.
.History Emirates Islamic Bank formerly Middle East Bank (the “Bank”) was incorporated as a conventional Bank with limited liability in the Emirate of Dubai on 3rd of October 1975. In addition to its head office in Dubai. The accompanying consolidated financial statements combine the activities of the Bank’s head office and its branches and its subsidiaries. The Bank was reregistered as a Public Joint Stock Company in July 1995.
The Bank’s desire to conform to all aspects of Shari'a means that bank do things differently from conventional banks.
. Instead of conventional credit facilities like loans and overdrafts. The bank doesn't charge or pay interest. Many of the products are different from those offered by other banks and one can always expect the highest levels of service from Emirates Islamic Bank. Mission Statement Providing innovative & high standard financial products & services governed by Islamic Shari'a provision to enrich the society. employees and the community. The Bank’s registered office address is P.O. the bank uses Islamic financing methods such as Murabaha. the bank uses Islamic profit-sharing structures and Islamic investment funds. Instead of paying interest on savings accounts or investing customer's money in interest paying funds.The Bank provides full banking services. and seeks to avoid uncertainty in the transactions. shareholders. As of 31st of December 2007 the Bank employed 923 employees (2006: 801 employees). Box 6564. Dubai. Vision Statement To be the leading provider of high standard Shari'a compliant innovative financial products. Ijarah etc. quality service and superior value for its customers. United Arab Emirates. and a variety of products through Islamic financing and investing instruments. A vide range of Shari'a compliant products and services are offered conforming to the highest standards of Islamic finance and all of the bank activities are overseen by a Shari'a board comprising several prestigious scholars of Islamic law.
• Achievement Our people are our most valuable asset. We inspire and challenge each other working together to achieve synergy. We adopt full compliance with internal and external policies and procedures. Ethical behavior is of critical importance to us. • Teamwork The diversity of our people is our strength.
. We are committed to a result oriented culture. operating within the legal framework • Customer focus We continuously seek to exceed our customer’s expectations.
• Innovation We strive to be the market leaders in innovative products and services offering customized financial solutions with flawless execution. forging and maintaining long term relationships. Our goals are clear and merit is the only criterion for reward • Social responsibility As responsible citizen we contribute to the social welfare of the community we live in.values
• Trust We are the trustees of public funds and serve with integrity & commitment.
This section covers the following topics: • Corporate Profile • Corporate Banking • Retail Banking • Remote Banking • Islamic Banking
Mahdi Abdulnabi Hussain Kazim Mr.Corporate Profile Board of Directors Ebrahim Fayez Al Shamsi Ahmad Fayez Al Shamsi Mr. Jamal Saeed Juma Chief Executive Officer Chief Financial Officer
. Saeed Mohamed Rashid Al Sharid Mr. Sulaiman Hamed Al Mazroui Mr. Abdulrahman Mr.
Auditors KPMG Taseer Hadi & Co “Chartered Accountants” Registered Office The Bank’s registered office address is P.M. Riggat Al Buteen Nearest Landmark: Hilton Creek Hotel PO Box 6564 Dubai
Corporate Banking The Corporate Banking Division of Emirates Islamic Bank (EIB) is geared to provide a comprehensive range of products and services to their valued corporate customers.
Main Branch Al Gurg Tower 2. Bank’s products are tailored within strict Sharia guidelines to provide practical. Dubai.Zahid Rasheed Faisal Aqil
Head.O. Box 6564. workable and above all cost effective solutions to a cross section of customer base spanning from small to mid to large corporate. United Arab Emirates. Credit Division G.
EIB provides contract finance to its customers at low rate of interest.
The following Corporate Banking facilities are provided by EIB:Contract Finance.
EMIRATES ISLAMIC BANK 18
. Corporate Bank Division has evolved strongly and has emerged as an important segment of Emirates Islamic Bank. Project Finance The Project Finance team of EIB is highly trained to facilitate the customers by providing professional advisory services and cost effective solutions to any green field.
Within 18 branches located in various Emirates. Corporate Banking Units are located at prime locations across UAE and are accessible to the customers as per their convenience. In Emirates Islamic Bank a full fledge dedicated Contract Finance team is available to assist customer’s requirement of contract finance. The team comprises of experienced relationship managers supported by engineers and is efficient to facilitate the customers in understanding and structuring the need based facilities. 6 CBU’s are strategically established with a view to provide personalized and convenient accessibility to valued corporate customers.Keeping in mind the highest level of customer service standards. the bank has acquired expertise in delivering the expected service level to the valued corporate customers. mainstream projects irrespective of the size being large or complex projects.
Corporate Banking Units (CBU) Within short span of operations.
3 years audited financials. pay charge card or utility bills and conduct transactions over the phone.at over 730. turnover of up to AED 50 million and requiring banking facilities up to AED 10million.
Following are the different accounts of the bank:Current Account Features and Benefits
Free Shopping Card/Visa Electron ATM Card.000 ATMs worldwide.
This service is offered to all the customers at a nominal monthly fee. Phone banking .
. customers can undertake all current account transactions just at the click of a button from their work place. Smart Business: With much of ease and convenience.Business Banking A dedicated business banking unit is established within corporate banking having proper understanding of the mid market segment which enables them to provide the required attention and assistance to this specific customer base.a 24-hour Telephone banking Service that allows the customers to access the accounts.
ATMs . 24-hour easy access to the account.
This unit will cater corporate entities across various industries having existence of 5 years and above. through the following additional electronic channels.
on their mobile phone
.an SMS-based banking service allowing the users to receive updates on their account and charge card balances and alerts on transactions.
ATMs .000 Individuals . 24-hour easy access to the account.
Minimum balance required is AED 5.
Internet banking . through the following additional electronic channels.at over 730.including joint accounts Sole Proprietorships Partnership companies Joint Stock Companies/ Limited Liability Companies
Application Form UAE Nationals: Original and photocopy of Passport Expatriates: Original and photocopy of Passport plus residence visa
Investment Saving Account
Free Shopping Card/Visa Electron ATM Card. Profits generated and distributed from the common Mudaraba pool (joint investment pool between the depositors and shareholders). Mobile banking .o
Mobile banking .an SMS-based banking service allowing the users to receive updates on their account and charge card balances and alerts on transactions.enables the customers to view their account as well as conduct various transactions at their convenience from anywhere in the world. on their mobile phone.000 ATMs worldwide.
. Flexible deposit tenure periods. through the following additional electronic channels.
24-hour easy access to the account.
Mobile banking .Eligibility
Minimum balance required is AED 5.a 24-hour Telephone banking Service that allows the customer to access their accounts.000 Individuals . pay charge card or utility bills and conduct transactions over the phone.including joint accounts Sole Proprietorships Partnership companies Joint Stock Companies/ Limited Liability Companies
Investment Time Deposit Account Features and Benefits
A profit bearing account suited for individuals including minors.an SMS-based banking service allowing the customer to receive updates on their account. o Phone banking .
including joint accounts Sole Proprietorships Partnership companies Joint Stock Companies/ Limited Liability Companies
Application Form UAE Nationals: Original and photocopy of Passport Expatriates: Original and photocopy of Passport
With a wide range of Shari'a-compliant products and services.000. services and special offers to provide only the best to the customers.• • • • •
Minimum balance required is AED 10. Following are different Retail Banking services offered by EIB:• •
Al Reem Banking Credit Cards
Al Reem Banking Emirates Islamic Bank understands the value and the role of women in the society and has carefully tailored the products. Bank’s products adhere to the highest standards of Islamic finance.
. and have been approved by board of renowned Shari'a scholars. Individuals. Emirates Islamic Bank has a solution for all of banking needs.
discounts on safe deposit lockers:
AL REEM cardholders are offered 25% discount on safe deposit lockers.
. a customer will receive a
EMIRATES ISLAMIC BANK 23
. Discounts can be availed only when purchase is made using AL REEM Debit card.
. depending on the airline and destination chosen.
.Features and Benefits:
. The customer should identify himself as AL-REEM cardholder and the purchase should be made using AL REEM Debit card to avail any discounts.Special
discount program at leading retailers:
AL REEM customers will receive the discount vouchers booklet that will give them detailed information on bank’s exciting offers. Like most credit cards. The Customers are eligible to receive a discount of up to 10%.
Following different credit cards are offered by EIB:-
Gold/ Gold Plus Credit Card
Every month.Exclusive ladies lounges / service areas:
There are dedicated and exclusive ladies lounges / service areas only to serve AL REEM customers. a customer pays a fixed fee which allows him to use the card up to his approved limit.Special
AL REEM Debit card comes with a range of travel service offers designed to make life easier.
Free online access. 24 hours assistance through a dedicated call centre. Free card delivery. 24 hours assistance through a dedicated call centre.monthly statement detailing the transactions for the month. Added security–photo feature providing instant recognition and foolproof security. Utility bill payments.
. Settlement by cash/cheque or direct debit to EIB account. Up to 55 grace days with no charges.
A truly Shari'a complaint credit card No salary transfer required Worldwide acceptance at over 30 million establishments. Utility bill payments. Free online access. Free card delivery. Settlement by cash/cheque or direct debit to EIB account. as long as it reaches the minimum amount required. 50% Cash Advance facility. Pay as much as he wants.
Platinum/ Platinum Plus Credit Cards
Following are the features of the card:Features
A truly Shari'a complaint credit card No salary transfer required Worldwide acceptance at over 30 million establishments. The only difference is a customer will not see the dreaded "interest" printed on his statement.
24 hours assistance through a dedicated call centre. Free online access. more convenient banking experience. Free card delivery
At Emirates Islamic Bank. the value of customer's time is kept in mind by the management.
. Settlement by cash/cheque or direct debit to your Emirates Islamic Bank account. Utility bill payments. Added security–photo feature providing instant recognition and foolproof security.Classic/Classic Plus Credit Cards
A truly fully Shari'a compliant credit card in the market. and is available at no additional cost. Following remote banking services are provided by the bank:Internet Banking Mobile Banking Phone Banking Security
EIB’s Internet banking system. That's why the bank offers online products and services that create a simpler. Bank Net is a highly secure and reliable banking platform which enables the customers to view their account as well as conduct various transactions from anywhere in the world. Up to 55 grace days with no charges. No Salary transfer required Worldwide acceptance at over 30 million establishments.
By using BankNet. modify or cancel Mobile banking services by clicking on the "EIBMOBILE" option of the Main Menu. Request for account / Card related enquiries by sending an SMS. Online Application Form for Cards. 7 days a week. Changing Password
MOBILE Service is a unique SMS–based banking service which allows the customer access to their account information anywhere. If e person an existing EIBMOBILE user.
. he can subscribe. MOBILE Service has a wide range of functions to choose from. anytime. Foreign Currency and Investment Deposit Rate inquiry. New Account Opening Account Summary and balance inquiry (including cards) View account and card statements Transfer of funds between accounts within the bank and BankNet Domain Payment of utility and card bills Cheque Book requests Product information. Manager's Cheque and Telegraphic Transfers. a user can maintain EIBMOBILE services 24 hours a day. Request for Demand Draft. he can subscrible to BankNet and add/maintain his profile. If e person is an existing BankNet User.Features
Secure and reliable way to access the account via Internet. Functions
Pre-defined alerts received on a customer mobile.
there are a number of immediate steps that he can take to help protect his personal and financial interests:
Immediately contact bank(s) and card issuers so that the following can be done: o Access to accounts can be protected
Stop payments placed on missing cheques Personal Identification Numbers (PINs) and Internet Banking Passwords changed
. Security procedures and code of ethics keep informing the clients
If a customer is a victim of the fraud.
In the event if a customer is a victim of fraud.Phone Banking
The Phone banking Service of EIB is a 24-hour service. which can be accessed globally. Features Phone Banking service of EIB gives the flexibility to gain access to various services at a press of a button.Statement Change PIN
Protecting information of customers properly is a shared responsibility of EIB. Phone Banking service includes:
Account Enquiry Card details Utility bills/ Card Payment Transfer funds Service Requests .
and excluding financing based on a fixed.
The Islamic values are reflected in Islamic economic principles. he must pay back his loan. It involves the reconstruction of economic and finance theory and practice in the light of Islamic principles. Islam encourages investment in order that the community may benefit. banking and finance. where all the pressure is on the borrower. including ATM cards and credit cards. It is important to understand these principles of Islam. with the agreed interest.
International Association for Islamic Economics:
The International Association for Islamic Economics was established in 1984 as an educational and professional organization with the objective of promoting the study and application of Islamic economics. thus.
Islamic Banking is a form of modern banking based on Islamic legal concepts (Shari'a) developed in the first centuries of Islam. and agree with the aims and objectives of the Association. Which are:-
. regardless of the success or failure of his venture. The Association. Membership is open to academics. Islamic Banking believes in sharing profits and risks in the business instead of becoming creditors. pre-determined return.o
Be sure to indicate to the bank or issuer all the cards and/or accounts potentially impacted. banking and finance. the Bank and the borrower all share the risks and rewards of financing business ventures. professional financiers and bankers. This is unlike the interest-based commercial banking system. aims to develop an integrated approach to Economics while welding together the material aspects of economic life with Islamic values and norms. In Islamic Banking the depositor. and students who are interested and involved in Islamic Economics. using risk-sharing as its main method.
. Islamic finance is based on the belief that the depositor.by Islam. Risk or Speculation) is also prohibited. (Uncertainty. Investments should only support practices or products that are not forbidden –or even discouraged. parties cannot predetermine a guaranteed profit based on the principle of 'uncertain gains' which does not even allow an undertaking from the customer to repay the borrowed principal plus an amount to take into account inflation. Any predetermined payment over and above the actual amount of
principal is prohibited. The Bank must share in the profits or losses arising out of the
enterprise for which the money was financed. which is considered to be the only proper use of money. This purchasing power (money) cannot be used to make more purchasing power (money) without undergoing the intermediate step of it being used for the purchase of goods and services. risk and speculation. the bank and the borrower should all share the risks and the rewards of financing business ventures.
Islam allows only one kind of loan and that is qard-el-hassan (literally good loan) whereby the lender does not charge any interest or additional amount over the money lent.
Contracting parties should have perfect knowledge of the counter values intended to be exchanged as a result of their transactions and should be free from uncertainty.a. Making money from money is not Islamically acceptable.
c. Also. money represents purchasing power.
Unlike the interest-based commercial banking system where all the pressure is on the borrower.
and the bank could not lend money to other banks on
The best-known feature of Islamic banking is the prohibition on interest. This is unlike the interest-based commercial banking system. with the agreed interest. regardless of the success or failure of his venture. It encourages the notion of higher risks and higher returns. Islamic banking helps to contribute towards a more equitable distribution of income and wealth and increased equity participation in the economy. for example would not be financed by an Islamic bank. Islam encourages investments in order that the community may benefit.
. a real-estate finance could not be made for the construction of a casino. the objective is that high-risk investments provide a stimulus to the economy and encourage entrepreneurs to maximize their efforts. where all the pressure is on the borrower: to pay back his loan.Trade in alcohol. known as "Ribba". The shareholders and depositors should all share the risks and the rewards of financing business ventures.
SECTION 4 This section covers the following:
• SWOT ANALYSIS • FUTURE PROSPECTS
8. The share value OF EIB is highest in the banking industry. 3. 6. The policy makers of EIB are he trendsetters in the Banking industry and have been providing the market with continuous innovation through different products
. Customer default rate is lower as compared to other banks. mobile banking etc. EIB has the largest ATM network in the country. 9. key strengths of EIB is that it has very stable deposit base. 5. 4. One of the most distinguish strength of EIB is its largest branch network. 7..SWOT ANALYSIS
Emirates Islamic Babk’s analysis for its internal and external pros and cons is as follows:
1. Meeting the challenges of latest Technology by introducing Smart card remit express. The strength of EIB which discriminate it from other banks is that it has Bank Net technology. 2. EIB has captured majority of potential customers all over the World.
 EIB is opening new branches in foreign countries  Leasing sector is growing over the years. which provides opportunity to EIB to go ahead in this area as well.Variety of deposit and advance related products to meet the needs of different types of customers.10. which is specifically meant for existing EIB Virtual Banking (Internet) customers.  It is not having greater no of branches abroad.
 Decision making process is very slow.  Employees’ dissatisfaction due to ill treatment and improper reward system. requiring help on various e-Banking issues.  The pay scale of the employees is low as compared to its competitors. 11. EIB introduced its Online Support.  EIB is providing Consumer Finances at comparatively lower rates which paves a way to grab more customers.  Some management positions needed are not professional.  The lack of proper infrastructure in small branches is also a major weakness.
It has an opportunity to do aggressive marketing to increase its business.
EMIRATES ISLAMIC BANK 34
.  Job enrichment of the employees will result in higher customer satisfaction because a satisfied employee means a satisfied customer.
 Other private commercial bank with sound profitability is also a threat to EIB. Financing to small/medium industries will definitely increase its advances and profitability as well.  Another opportunity is to innovate their product line and keep on giving services that satisfy customers in a better way.  Foreign banks are flourishing in field of consumer financing.  EIB is surrounded by many competitors.  Higher pay scale will result in lower turnover of highly skilled employees.  Islamic Trading Based Banking can enhance the business of the bank.
EIB has clearly shown an intention of keeping continued cost discipline as a clear priority. They mostly prefer cash transactions.  The EIB Islamic Banking system has very few products yet those are competitive. It may cause its customers to shift to competitors. intensify the focus on fee-based income and encouraging the adoption of new technologies and infrastructure platforms to maintain and improve its position. hence banking sector is expected to grow on the back of continued economic revival.
The future prospects of EIB seem to be bright because it can easily continue benefiting from the strengthening of underlying economy and continued business optimism.
EMIRATES ISLAMIC BANK 35
. EIB is trying to make a comprehensive portfolio of business initiatives aimed at capturing additional profit growth potential. and is well supported by the reforms in the financial sector. For this purpose. It needs to work on its product line in order to improve it.  EIB has many competitors. Furthermore. as relations with other countries are improving considerably. which are continuously increasing its products and marketing aggressively.  Continuous turnover of the highly skilled employees to it competitors can be detrimental in the long run as well as short run. People don’t prefer banking culture.
the bank seems to develop further because of favorable economic trends and effective management steps.In short. Therefore. predictable from its present growth. the bank is expected to have a glowing future.
EMIRATES ISLAMIC BANK 36
• RECOMMENDATIONS • CONCLUSION
The bank should focus on improving the customer service. Banks can play their part in this by introducing more attractive products. There are lengthy and cumbersome legal procedures that make the customer more reluctant to come to the bank. The emphasis of the bank should be on speedy processing and prompt services.  The use of the technology should be further improved.  The mobile banking system should be given proper attention because its usage up till now is very limited.  Steps should be taken to increase the national savings rates. It gives a negative image on Islamic banking system. The treasury must be separate.RECOMMENDATIONS
Some of the recommendations for Emirates Islamic Bank are as follows:  Processing of loans should be simplified and the time for the loan approval should be revised.
.  The Islamic and conventional systems must not be mixed together. As the world is becoming a global village and the competition is getting intense day by day. keeping in view the needs of the customers and educating the customer about the savings. one cannot take the risk of loosing its customers.  EIB must concentrate on promotion of their products and services.
 The management of the bank should introduce such systems that reduce the paper work. The difference in the spread should be reduced. This high spread decreases the efficiency of the bank and ultimately leads to disintermediation.  Bank should expand its branch network abroad.  Unproductive branches in remote areas should be closed down to reduce the administrative costs.
.  Fund Investments should be made after careful analysis.  Stuck up portfolio of Finances should be effectively reduced.  Aggressive and proactive management style should be followed to increase HR efficiency.  Dormant/Non-Operating accounts should be closed to save account maintenance costs.  The branches that are facing losses should be given special attention to improve those branches.  Time deposits should be properly administered.
 The decision-making is still centralized as the middle and low level management is not taken into confidence. The mobilization of deposits is mainly considered as the responsibility of the branch manager but the rest of the staff is usually least interested.  The marketing efforts at the branch level are less disciplined and there are no integrated efforts from all the staff members. specially in bill and remittances department.CONCLUSION
From the analysis of the various efforts at different levels in the bank the conclusions are drawn:  The bank has managed to achieve greater profitability by introducing innovative products and implementing effective strategies.  Although the bank is advertising that it had attain the maturity in electronic data processing system but factually the work force is bound to do lot of manual work.
.  The bank staff has been found as less satisfied with bank policies and the recent retrenchment in the bank has created unrest and panic.  At the regional and circle levels the marketing efforts are almost nonexisting though a big staff kept buy the entire day.  The branch managers are usually given very little regarding sanction of advances and over draft whereas the responsibilities are numerous.
. Working capital loans and Cash management services to corporate sector. Term loans.  The bank offers different deposits accounts to its customers that include foreign currency accounts as well as local currency accounts.  The bank also has the facility of Loan /credit products.  The EIB ATM Network is the largest and most advanced of its kind in the country.  The bank provides fast. The increase in profitability resulted in increase in share price and earnings per share of the bank.
EIB Virtual Internet Banking offers customers the convenience to manage and control banking and finances. Remittance Services that is an efficient way to transfer money overseas. secure and easy-to-use.  The bank offers Trade finance services.  EIB provides its customers with the reliable Islamic Financial Services and support they require to successfully achieve their business objectives.
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(2003) - SynopsisGlobal Trends 2013Secularism, Women & the StateIndiaRadicalization in the WestPelosi Accepted Islamist Donations in Secret FundraiserHow We Fight in the Twenty-First CenturyBooks about BankInvestment Banking Jobs 101A History of the Federal Reserve, Volume 1Economic Development and Islamic FinanceAnticorruption in Transition 2Codes of FinanceAnalyzing Banking Risk (3rd Edition)Finance for All?Fiscal Policy, Stabilization, and GrowthInternational Political Risk Management, Volume 2Guidelines for Selection and Employment of Consultants by World Bank BorrowersMigratory Fishes of South AmericaTools for Education Policy Analysis Trade blocsThe Microfinance RevolutionImproving Access to Finance for India's Rural PoorA Strategy for DevelopmentA Reader in International Corporate Finance, Volume 2At the Frontlines of DevelopmentBuilding State Capacity in AfricaA Case for AidFinancial Sector AssessmentEconomic Growth in the 1990sManaging the Real and Fiscal Effects of Banking CrisesAccess to Financial Services in BrazilWorld Development Indicators 2002The World Bank Annual Report 2004A guide to The World BankThe Political Economy of the World BankBeyond the World Bank AgendaDocuments about Bank10242013 GS 25.20.2016 Board Deck v5 (1)50 Slides for the Gold Bulls Incrementum Chartbook.01The Daily Tar Heel for Sept. 28, 2016RNC Platformautonomy pitchbookGlobal Trends 2030Blockchain in Insurance — Opportunity or ThreatThe Open Banking StandardBasic Instructions for a Bank Reconciliation StatementIntroducing the Open Banking StandardOffice Management Course ManualBook-keeping Level 1Nevsky Newsletter 151231Book-keeping and Accounts Level 2Blockchain TechnologyRewriting the Rules of the American EconomyThe Definitive Case for Why Hillary Clinton is the Wrong Choice (And Bernie is the Right One)Blockchain Technology and Applications from a Financial PerspectiveFrom Tribe to Nation FinalI am an attorney so I decided to sue my lender...Book-Keeping and Accounts/Series-4-2011(Code2007)Executive SummaryThe New Microfinance HandbookWorld Economic Forum - Annual Report 1998/1999A Guide to Understanding a Residential AppraisalCULTURE AND BEHAVIOR2016 Democratic Party Platform DraftYork Capital's Letter to InvestorsList of participants at the World Economic Forum's annual meetingDocuments about Deposit AccountBasic Instructions for a Bank Reconciliation Statement501 - Contract to Purchase Real Estate (c) 2012 - ID-WATERMARKThe New Microfinance HandbookInside Job - The Documentary That Cost $20,000,000,000,000 to ProduceAccounting Level 3/series 4-2009CFPB Closing DisclosurePhotography ContractVirtual Currencies and BeyondMylchreest Gold London BullionThe Mystery of Banking, by Murray RothbardFULL S&P RATING STATEMENTLease AgreementJPMorgan Testmony 1912The Re-emergence of EuropeAccounting/Series-2-2007(Code3001)Rental ApplicationAmerica's Great Depression, by Murray RothbardPower of AttorneyAccounting Level 3/ Series 4 2008 (3001)Apartment Rental AgreementOwls Creek's Fourth Quarter Letter to InvestorsNZ Parliament's register of pecuniary and other specified interests summary 2016Citi's N.Y. 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History of CSR10.1023_A-1021237420663 text file New MKT strategy for new entriesthe role of MKT in planning Issues BarclaysMarryland ParkThe Minutes of the Meeting of Environmental Protection Society sdfsafffdfddddd natural environment relations asdasftgfdg relations of different series Home Tuition Home Tuition.docx 1111.docx improve your parts of speech skills 111.docx words and parts of speechfutureInternship Reporton Nishat Mills.docLahore Plant the matrix.docxWorld Business Council for Sustainable Development.docxStrategic Management.docxmasooma.docx64238121-Case-Study.pdfBWCC-OWL.DOCFILELIST.DOCSocial Awareness and Education Rules and Regulation 2Laws and Regulation for CSREthics Training in CSRCause Promotion 1 You're Reading a Free PreviewDownloadAboutBrowse booksSite directoryAbout ScribdMeet the teamOur blogJoin our team!Contact UsSupportHelpFAQAccessibilityPressPurchase helpAdChoicesPartnersPublishersDevelopers / APILegalTermsPrivacyCopyrightMembershipsJoin todayInvite FriendsGiftsStay ConnectedCopyright © 2016 Scribd Inc. .Terms of service.Accessibility.Privacy.Mobile Site.Site Language: English中文EspañolالعربيةPortuguês日本語DeutschFrançaisTurkceРусский языкTiếng việtJęzyk polskiBahasa indonesiaAre you sure?This action might not be possible to undo. 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Dream a Little Dream (Chicago Stars Series #4) by
Dream a Little Dream (Chicago Stars Series #4) (Mass Market Paperback)
Format: Mass Market PaperbackPages: 400Sales rank: 268,855Product dimensions: 6.74 (w) x 10.90 (h) x 1.08 (d)

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They were knowledgeable, friendly and very helpful.Add to mybookRemove from mybookAdded to your services collection!Error when adding to services collectionThis business was removed from the services collection22. Red Key Realty62 W Chicago StColdwater, MI 49036(517) 279-6200Real Estate AgentsWebsiteAdd to mybookRemove from mybookAdded to your services collection!Error when adding to services collectionThis business was removed from the services collection23. Prudential One Realty59 S Sprague StColdwater, MI 49036(517) 278-3700Real Estate AgentsWebsiteAdd to mybookRemove from mybookAdded to your services collection!Error when adding to services collectionThis business was removed from the services collection24. Unified Properties-Coldwater161 Race StColdwater, MI 49036(517) 279-9700Real Estate AgentsAdd to mybookRemove from mybookAdded to your services collection!Error when adding to services collectionThis business was removed from the services collection25. Michigan Commercial Real Est200 Vista DrColdwater, MI 49036(517) 279-8980Real Estate ConsultantsWebsiteAdd to mybookRemove from mybookAdded to your services collection!Error when adding to services collectionThis business was removed from the services collection26. Towne & Country Real Estate, LLC.BBB Rating: A645 Kinter Rd.Bronson, MI 49028(517) 227-0898Real Estate AgentsWebsiteAdd to mybookRemove from mybookAdded to your services collection!Error when adding to services collectionThis business was removed from the services collection27. Lloyds of Michigan RealityBBB Rating: A+870 E Chicago RdQuincy, MI 49082(517) 639-8338Real Estate ManagementAdd to mybookRemove from mybookAdded to your services collection!Error when adding to services collectionThis business was removed from the services collection28. Meisterheim David C OfcBattle Creek, MI 49014(269) 962-9585Real Estate ManagementAdd to mybookRemove from mybookAdded to your services collection!Error when adding to services collectionThis business was removed from the services collection29. Bringing You HomeEast Leroy, MI 49051(269) 729-5388Real Estate AgentsAdd to mybookRemove from mybookAdded to your services collection!Error when adding to services collectionThis business was removed from the services collection30. Joy Brown RealtorServing the Coldwater Area.(269) 209-0399Real Estate AgentsWebsiteFrom Business: We help clients buy their homes We help clients sell their homesSponsored LinksShowing1-30
of 36results12NextRelated Articlesfor Houses For Rentmore related articles »Intro to College Moving: 101 »We've put together a small list to get you started on your journey -- and the first step starts with a single box.Map ViewSponsoredReal Property Management(38)Serving the Coldwater area.(844) 707-8055Avoid hassles. Let us manage your rental home.WebsiteMore InfoDidn't find what you were looking for?magnifying glassPlease help others by helping us do better.Suggest a BusinessAboutAbout UsSite FeedbackContact UsAdvertise with UsCareers - We're HiringCorporate BlogEngineering BlogLegal

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Employment law - definition of Employment law by The Free Dictionary
https://www.thefreedictionary.com/Employment+law
Dictionary, Encyclopedia and Thesaurus - The Free Dictionary 11,075,283,769 visitors served
BUSINESSES in Chester are invited to attend a free HR and employment law event.
Free HR and employment law event at hotel
Covington and Seiner write for readers with little or no prior knowledge of employment law who would like an overview, students taking courses in it who would like a study guide, and lawyers and others working in a different specialty who are working on a case or problem that requires them to know the basics of employment law.
Employment Law in a Nutshell, 4th Edition
If employment law were writing a Christmas card to the other legal specialisms this year, this is what it would be likely to scribble quickly in the left hand side of the card: "Wow, what a year 2017 has been, tribunal fees scrapped and the gig economy taking a battering.
Employment law makes up a considerable portion of the practice at The Brown Firm, and the VA firm is making extra efforts to now support residents with wrongful termination cases that involve the Americans with Disabilities Act.
WITH weeks to go until the General Election, employment law has become a key battleground with workplace issues moving up the political agenda.
THE EMPLOYMENT law landscape is changing substantially.
SOLIHULL College Employer Services is working with Conker Training Limited to provide a range of employment law courses at the college.
Conker aims for hit with law courses
PROFESSIONALS looking for a little help with employment law can now access an iPad app released by Newcastle law firm Samuel Phillips.

value: This website is an American online dictionary and encyclopedia that aggregates information from various sources.


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AgustaWestland S.p.A was a helicopter design and manufacturing company and wholly owned subsidiary of Finmeccanica S.p.a.. It was formed in July 2000 as an Anglo-Italianmultinational company, when Finmeccanica and GKN merged their respective helicopter subsidiaries (Agusta and Westland Helicopters) to form AgustaWestland. with each holding a 50% share. Finmeccanica acquired GKN's stake in AgustaWestland in 2004. From 1 January 2016, the activities of AgustaWestland merged into Finmeccanica’s Helicopter Sector.
The Italy-based Finmeccanica and the United Kingdom-based GKN first announced their intention to merge their respective helicopter subsidiaries, Agusta and Westland Helicopters, in March 1999. Finmeccanica and GKN announced finalised terms for the merger in July 2000, which included a 50:50 ownership structure, and the payment of top-up fees to GKN to compensate for a disparity in profit levels between Agusta and Westland.
In January 2002, AgustaWestland announced that it would be cutting a total of 950 jobs in the United Kingdom and closing its factory in Weston-super-Mare, which carried out customer support work, as activity was concentrated at its main site in Yeovil.
This page contains text from Wikipedia, the Free Encyclopedia - https://wn.com/AgustaWestland
Latest News for: agustawestland
AgustaWestland Case: Christian James Michel Appeals Against Dubai Court's Decision to Extradite Him to India
Christian James Michel, a British middleman wanted in India in ......
AgustaWestland 'Middleman' Christian Michel Appeals Against Extradition from Dubai to India
Christian James Michel, a British middleman wanted in India in connection with Rs 3,600-crore AgustaWestland VVIP chopper scam, has challenged a Dubai court's decision to extradite him to India ... The Enforcement Directorate (ED), in its charge sheet filed against Michel in June 2016, had alleged that he received EUR 30 million (about Rs 225 crore) from AgustaWestland....
AgustaWestland middleman contests court extradition order
Christian James Michel, a British middleman wanted by Indian investigative agencies in connection with the AgustaWestland VVIP chopper scam, has contested an extradition court decision before the Dubai top court, a source revealed to Khaleej Times ... A date is yet to be set for a court hearing.� ... He was arrested later and sent into custody by the police here pending the legal and judicial procedure.� ... �. mary@khaleejtimes.com. � ....
AgustaWestland case: Wanted by India, Briton appeals against extradition order in Dubai court
Christian James Michel remains in custody until next hearing before Cassation Court ... ....
AgustaWestland: Italian Court Elaborates on Clean Chit to Tyagi
An Italian appeals court in Milan last week released the judgment on an eight-month-old decision, clearing the name of former Air Force Chief SP Tyagi from charges of corruption in the VVIP helicopter AgustaWestland scam ... Tyagi and others were charged under the Prevention of Corruption (PC) Act in India for allegedly favouring the foreign company AgustaWestland in the purchase of 12 VVIP helicopters....
/ A military version of the Leonardo AW139 flown by the Qatar Emiri Air Force. A US version, built in partership with Boeing, has won the US Air Force's nuclear security helicopter competition. (credit. Boeing) ... the MH-139, a militarized version of the AgustaWestland AW139 from the Italian aerospace and defense company Leonardo ... The award this morning is for $375 million, covering delivery of the first four helicopters ... Comments ....
No evidence of corruption: Italian court’s detailed order in AgustaWestland VVIP chopper deal
Indians drive immigration growth in US. News in numbers ... AgustaWestland AgustaWestland chopper deal ... ....
No evidence of corruption in AgustaWestland deal, Italy court explains acquittals in case
The chances of the prosecution presenting a new appeal have been greatly reduced after the order on the second appeal trial ... ....
Some media reports had said a Dubai court court ordered Michel's extradition to India, but sources had later indicated there was no such specific court order ... ....
New Delhi, Sep 20. There was plenty of confusion regarding a UAE court order concerning the deportation of James Christian Michel, an accused in the AgustaWestland case. Official sources have confirmed to OneIndia that the order of the court ... ....
Michel had averred that he may be “exposed to inhuman treatment” and be “forced to accept the role of political personalities” in India ... ....
British middleman in AgustaWestland deal now 'fugitive' in Dubai: Lawyer
Christian James Michel, a British middleman wanted by Indian investigative agencies in connection with the AgustaWestland VVIP chopper scam, is now a fugitive in Dubai, said an advocate. Emirati advocate Amal Al Subaie, who was representing Michel in his bail request, told Khaleej Times on Thursday that Michel's "name is now listed in the law enforcement bodies' database as a wanted person" ... "I am not his lawyer any more ... Marie Nammour....

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text: Patent US4494066 - Method of electrically testing a packaging structure having n interconnected ... - Google PatentsSearch Images Maps Play YouTube News Gmail Drive More »Sign inPatentsDesign rules and test structure are used to implement machine designs to thereby obviate during testing the need for mechanical probing of the chip, multichip module, card or board at a higher level of package. The design rules and test structure also provide a means of restricting the size of logic...http://www.google.com/patents/US4494066?utm_source=gb-gplus-sharePatent US4494066 - Method of electrically testing a packaging structure having n interconnected integrated circuit chipsAdvanced Patent SearchTry the new Google Patents, with machine-classified Google Scholar results, and Japanese and South Korean patents.Publication numberUS4494066 APublication typeGrantApplication numberUS 06/518,580Publication dateJan 15, 1985Filing dateJul 29, 1983Priority dateJul 2, 1981Fee statusPaidPublication number06518580, 518580, US 4494066 A, US 4494066A, US-A-4494066, US4494066 A, US4494066AInventorsPrabhakar Goel, Maurice T. McMahonOriginal AssigneeInternational Business Machines CorporationExport CitationBiBTeX, EndNote, RefManPatent Citations (5), Referenced by (45), Classifications (4), Legal Events (3) External Links: USPTO, USPTO Assignment, EspacenetMethod of electrically testing a packaging structure having n interconnected integrated circuit chips

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Misfits program now available at all Meijer stores provides new option to save money and reduce food waste
GRAND RAPIDS, Mich., Sept. 21, 2017 /PRNewswire/ -- Meijer has found a perfectly-imperfect fit for customers interested in reducing food waste and sacrificing aesthetics for savings.
The Misfits program rolled out at all Meijer locations earlier this month, and customers have already purchased nearly a quarter of a million pounds of fresh, perfectly-imperfect produce. The Misfits program is made available through working with Robinson Fresh®. As a division of C.H. Robinson, the company is one of the world's leading providers of produce, working with farms to repurpose fruits and vegetables that might not make it to your grocery store due to their appearance or shape.
"Meijer offers more than 600 types of produce, so the Misfits program has been an incredible extension to our overall selection," said Peter Vail, Vice President of Produce, Deli and Bakery for Meijer. "There is an inner beauty of this perfectly-imperfect produce. Our customers have responded well to the produce made available through the Misfits program."
Launching this program chain-wide complements Meijer's sustainability goals, which supports the USDA's goal of reducing food waste by 50 percent by the year 2030. Meijer also runs a Midwestern food rescue program that provides more than 10 million pounds of food—or more than 8 million meals—annually to local food banks in Michigan, Ohio, Indiana, Illinois, Wisconsin and Kentucky.
Local growers like River Ridge Farms from Sparta, Mich., have been part of Meijer's Locally Grown program for 27 years and is one of the farms finding this new way to bring freshness to stores.
"Growers work hard to try and grow apples with the perfect shape, color and size, but since apples are grown outside, they may end up with an odd shape because it grew around a branch or has low color due to growing in a shady spot on the tree," said Don Armock, president of Riveridge Produce. "Teaming with Meijer on the Misfits program, growers have an opportunity to sell imperfect, but great tasting fruit while the consumer gets to save on fresh produce while maybe even getting a laugh out of its odd look."
Robinson Fresh and Misfits are both registered trademarks of C.H. Robinson Worldwide, Inc.
Contact: Joe Hirschmugl, 616-791-3943
View original content:http://www.prnewswire.com/news-releases/meijer-offers-perfectly-imperfect-produce-to-shoppers-300523743.html
Preview: Meijer Recalls Meijer Brand Packaged Produce Due to Possible Health Risk
Aug 29, 2017, 10:21 ET
Preview: Meijer Recognized as a Best Place to Work for Disability Inclusion

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created by speza community for 8 yearsmessage the adminsMODERATORSredditcupcake1713krispykrackersbsimpsonreostraalienthpowerlanguageSporkicideOcrasormAcidtwist...and 4 more »198199200Flash puzzle game: All you have to do is trap the black cat. If only it were that simple… (gamedesign.jp)submitted 7 years ago by boredzo55 commentssharecancelsorry, this has been archived and can no longer be voted onloading...sorted by: bestbesttopnewhotcontroversialoldrandomyou are viewing a single comment's thread.view the rest of the comments →[–]vardhan 22 points23 points24 points 7 years ago (3 children)sorry, this has been archived and can no longer be voted on2nd try worked for me. Try to create a border farther towards the edge with alternate spots off and plug them when the cat is just 1 spot away from the plug.
permalink[–]Escher0 4 points5 points6 points 7 years ago (2 children)sorry, this has been archived and can no longer be voted onThat advice worked for me. I can capture the cat pretty much every time now.
permalinkparent[–]youremyjuliet 1 point2 points3 points 7 years ago (1 child)sorry, this has been archived and can no longer be voted onWorked for me too. Thanks!
permalinkparent[–]MaddenedMan 0 points1 point2 points 7 years ago (0 children)sorry, this has been archived and can no longer be voted onI used that tactic too (before I read it) but you worded it well. It helps to stay at least 2 steps ahead of the cat.
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P. 1Apostila Saúde PúblicaApostila Saúde PúblicaRatings: (0)|Views: 6,213|Likes: 25Published by VagnerHoodMore info:Published by: VagnerHood on Aug 30, 2010Copyright:Attribution Non-commercialAvailability:Read on Scribd mobile: iPhone, iPad and Android.download as PDF, TXT or read online from ScribdFlag for inappropriate content|Add to collectionSee MoreSee lesshttp://www.scribd.com/doc/36600261/Apostila-Saude-Publica06/27/2013pdftextoriginal You're Reading a Free Preview
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Willis Kelsey Johnson, III (1909-1994) - Find A Grave Memorial
Willis Kelsey Johnson, III
Sec. F Lot 133 Pos. 7
81085 · View Source
Willis Kelsey Johnson III, 84, of Mapleton, died Wednesday, January 26, 1994, at Utah Valley Regional Medical Center in Provo, Utah. He was born May 13, 1909 in Springville, Utah, to Willis Kelsey (II) and Eva Clark Johnson. He married Madge Hales August 12, 1937, their marriage was later solemnized in the Manti LDS Temple. She died January 23, 1989. He married Rose Bleggi Bona in Hobble Creek Canyon February 16, 1990. He is survived by his wife of Mapleton; three sons and six daughters: Mrs. Bob (Kaye) Wiley, Springville; Mrs. Dave (LaRaye) Gabbitas, Payson; Ted Johnson and wife, Mary Lee, Springville; David H. Johnson and wife, Laura, Payson; Mrs. Dan (Sharon) Bagley, Mapleton; Mrs. Richard (Janet) Erickson, Spanish Fork; Mrs. Ron (Linda) Mason, Payson; Mrs. Randy (Shauna) Leethan, Mapleton; Tom Bona and wife, Merlene, Springville; 34 grandchildren; 40 great-grandchildren; three brothers and one sister: Calvin Johnson, Springville; Frank Johnson, Mapleton; Harold Johnson, Provo; Rachel Moulton, Springville.
Rose Bleggi Bona
1918–2009 (m. 1990)
Find A Grave Memorial 81085
Find A Grave, database and images (https://www.findagrave.com : accessed ), memorial page for Willis Kelsey Johnson, III (13 Mar 1909–26 Jan 1994), Find A Grave Memorial no. 81085, citing Evergreen Cemetery, Springville, Utah County, Utah, USA ; Maintained by Rose Wright (contributor 46889763) .
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Words that end in arousals | Words ending in arousals
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Words that end in arousals
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overview for n00dles6jump to contentmy subredditsannouncementsArtAskRedditaskscienceawwblogbookscreepydataisbeautifulDIYDocumentariesEarthPornexplainlikeimfiveFitnessfoodfunnyFuturologygadgetsgamingGetMotivatedgifshistoryIAmAInternetIsBeautifulJokesLifeProTipslistentothismildlyinterestingmoviesMusicnewsnosleepnottheonionOldSchoolCoolpersonalfinancephilosophyphotoshopbattlespicsscienceShowerthoughtsspacesportstelevisiontifutodayilearnedTwoXChromosomesUpliftingNewsvideosworldnewsWritingPromptsedit subscriptionsfront-all-random | Documentaries-gadgets-television-science-Art-IAmA-nottheonion-sports-pics-todayilearned-personalfinance-history-Jokes-Fitness-movies-news-space-videos-listentothis-nosleep-EarthPorn-WritingPrompts-funny-Music-worldnews-explainlikeimfive-Showerthoughts-books-AskReddit-aww-creepy-dataisbeautiful-Futurology-gifs-gaming-OldSchoolCool-philosophy-TwoXChromosomes-InternetIsBeautiful-DIY-mildlyinteresting-askscience-LifeProTips-tifu-UpliftingNews-food-GetMotivated-photoshopbattlesmore » n00dles6overviewcommentssubmittedgildedwant to join? login or register in seconds|Englishn00dles6209 link karma204 comment karma send messageredditor for 2 yearswhat's this?TROPHY CASETwo-Year Clubremember mereset passwordlogindaily reddit gold goal90%help support redditreddit gold gives you extra features and helps keep our servers running. We believe the more reddit can be user-supported, the freer we will be to make reddit the best it can be.Buy gold for yourself to gain access to extra features and special benefits. A month of gold pays for 231.26 minutes of reddit server time!Give gold to thank exemplary people and encourage them to post more.This daily goal updates every 10 minutes and is reset at midnight Pacific Time (3 hours, 25 minutes from now).Yesterday's reddit gold goal103%reddit is a website about everythingpowered by community, democracy, and you.learn more ›sorted by: newhotnewtopcontroversialHelp with purl stitch! by chunky1337in knitting[–]n00dles6 1 point2 points3 points 26 days ago (0 children)When I started using purl stitches, I had a similar problem. (Self taught from YouTube videos) I realized that on my first stiches of the row, I purled it twice since it was always loose. Once I was more careful with that first stitch, I didn't have that problem any more. Good luck!
permalinkcontextfull comments (8)I have a job interview for a full-time position tomorrow! Do's? Don'ts? by Liirinin starbucks[–]n00dles6 2 points3 points4 points 1 month ago (0 children)It's mainly a customer service job, so be prepared to talk about your experience with customers. (How you deal with difficult situations). permalinkcontextfull comments (23)I just received my new baking steel! I'm so excited; I can't wait to try it out!! by cualcreesin Pizza[–]n00dles6 2 points3 points4 points 1 month ago (0 children)I've tried using unglazed tiles, but they cracked.
permalinkcontextfull comments (38)IUD for a year. Want to swap stories with other ladies who have or have had them. (and answer questions) by b_a_d__w_o_l_fin TheGirlSurvivalGuide[–]n00dles6 0 points1 point2 points 1 month ago (0 children)I got my Mirena a little over 3 years ago. For the first two months, I spotted a lot. I haven't had a problem with that since. I haven't had a period either! It's great! permalinkcontextfull comments (55)Grapes. What do you consider the single most versatile varietal, and why? by _wasted_spacein wine[–]n00dles6 -2 points-1 points0 points 2 months ago (0 children)I'll say zin. It can be fruity, jammy, peppery... so many different styles.
permalinkcontextfull comments (22)What the stupidest argument you've ever gotten into? by FireLordMomoin AskReddit[–]n00dles6 0 points1 point2 points 2 months ago (0 children)I was in California on New Year's Eve, and I called my friend in Boston to say "Happy New Year." I called at 9pst, which is 12est. She didn't pick up, so I left a voicemail. Unfortunately she called back the next day (got voicemail) insisting that I'm horrible because I didn't tell her I was in Boston. Lot's of cursing. To make matters worse, she called a bunch of my friends in Boston and said I was there but avoided them. I emailed her saying she was wrong. It's been three years and she still won't talk to me.
permalinkcontextfull comments (15889)I was so proud of my eye makeup but chaos happened. Help! by maweenurrin MakeupAddiction[–]n00dles6 0 points1 point2 points 2 months ago (0 children)I used to have a similar problem. I switched my primer and I tried to keep my eye liner away from the corner of my eye. I love liquid liner, so just a different angle helped me a lot. If none of that works, you might have a sensitivity to the lash glue. Good luck!
permalinkcontextfull comments (2)Random episodes of sleep paralysis, today my cat tried to eat me, help? by dolphinelrapoin LucidDreaming[–]n00dles6 4 points5 points6 points 2 months ago (0 children)Maybe your cat was trying really hard to wake you up? permalinkcontextfull comments (17)In California right now... by MarcoMtlin wine[–]n00dles6 1 point2 points3 points 2 months ago (0 children)Rubino Estates in Livermore Valley (east bay) specializes in Italian varietals. There are a couple bottles of sangiovese that you may enjoy if you're in the area.
permalinkcontextfull comments (12)I went to a restaurant in Paris. I think Egg would really like one of the entrees. by decentdescentin arresteddevelopment[–]n00dles6 2 points3 points4 points 2 months ago (0 children)Hmm, never met her.
permalinkcontextfull comments (40)IAMA Chipotle employee! Anything you've ever wanted to know about Chipotle, nows your chance! by [deleted]in IAmA[–]n00dles6 2 points3 points4 points 2 months ago (0 children)Who's this hermano?!
permalinkcontextfull comments (6616)Urban Decay announces Pulp Fiction themed makeup! by alixxlovein MakeupAddiction[–]n00dles6 9 points10 points11 points 2 months ago (0 children)I know how good my make up is, I'm the one who buys it!
permalinkcontextfull comments (113)If you could recommend one sunscreen, which would it be? by ih8skinissuesin SkincareAddiction[–]n00dles6 1 point2 points3 points 2 months ago (0 children)Sounds awesome! I'm excited to try it! permalinkcontextfull comments (75)Why do hairdressers use thinning scissors? by Aerodynamicsin Hair[–]n00dles6 1 point2 points3 points 3 months ago (0 children)Usually I would use them to help create texture or soften a blunt cut. permalinkcontextfull comments (6)My brothers and I rolled up in blankets and fought like caterpillars. by DSou7hin DrunkOrAKid[–]n00dles6 22 points23 points24 points 3 months ago (0 children)Night crawlers? permalinkcontextfull comments (16)What is a book that honestly kept you up at night? by ibrawestin books[–]n00dles6 0 points1 point2 points 4 months ago (0 children)I read this for school, and absolutely loved it. After the first page, I just powered through the rest of the book, I couldn't put it down!
permalinkcontextfull comments (1209)Went from pinky-lilac-white to bluey-lilac-white. My colour never comes out even. by lolihullin FancyFollicles[–]n00dles6 2 points3 points4 points 5 months ago (0 children)Even if the color variation isn't deliberate, it looks amazing! ! permalinkcontextfull comments (49)My local Starbucks is only feigning social consciousness. by rachelsquitoin mildlyinteresting[–]n00dles6 0 points1 point2 points 5 months ago (0 children)They had one of those at my old store as well. No one actually ever recycled. The customers didn't care abd used it as trash. It didn't matter for us either since we didn't have the option to recycle. permalinkcontextfull comments (570)Shoes I can wear with shorts by PoissonTriumviratein BuyItForLife[–]n00dles6 0 points1 point2 points 5 months ago (0 children)Aww bummer.. I just bought some Sperrys
permalinkcontextfull comments (42)What songs can I put on a mixtape to show my gf that I truly lover her? by hockeyhero56in shittyadvice[–]n00dles6 2 points3 points4 points 5 months ago (0 children)Salt n' Pepa "push it"
permalinkcontextfull comments (60)Made a "Menu" of all the foods I know how to cook-- thought I'd upload a version so everyone could edit and maybe we can make a budget food menu! by [deleted]in budgetfood[–]n00dles6 0 points1 point2 points 5 months ago (0 children)Thank you for doing this! :)
permalinkcontextfull comments (15)"Now I have nothing to eat!" by undermoonandstarin TalesFromRetail[–]n00dles6 2 points3 points4 points 5 months ago (0 children)Wow people are crazy. When I used to work at a popular coffee shop, people would try to call in orders and ask me to deliver a coffee to their car since they were too lazy to come in. Uhh nope!
permalinkcontextfull comments (76)Form the bottom of my heart THANK YOU!!! Zero foundation, still happy with my face! by TARDISkittyin SkincareAddiction[–]n00dles6 1 point2 points3 points 5 months ago (0 children)Posts like this make me so happy. Congrats & you look beautiful :)
permalinkcontextfull comments (108)What question do you hate being asked? by SirPepperMintin AskReddit[–]n00dles6 0 points1 point2 points 5 months ago (0 children)Why are you so white? Omg you can't just ask someone why they're white! permalinkcontextfull comments (27550)GF finally quit her terrible coffee shop job, now she makes Dinosaurs that guard your wine. Wine-O-Saurs by BetcherInTheRyein pics[–]n00dles6 0 points1 point2 points 5 months ago (0 children)This is so awesome. Has your girlfriend considered trying to sell these at wineries? I work at a winery now (also former barista) and I think that the wine-o-saurs would fly off the shelves! permalinkcontextfull comments (1894)view more: next ›aboutblogaboutteamsource codeadvertisejobshelpwikiFAQreddiquetterulescontact ustoolsmobilefirefox extensionchrome extensionbuttonswidget<3reddit goldstoreredditgiftsreddit.tvradio redditUse of this site constitutes acceptance of our User Agreement {Genitive} and Privacy Policy {Genitive}. © 2014 reddit inc. All rights reserved.REDDIT and the ALIEN Logo are registered trademarks of reddit inc.close this windowyou'll need to login or register to do thatcreate a new accountall it takes is a username and passwordprivacy philosophy
username:try anotheravailable!account recovery email: (optional)we only send email at your requestpassword:verify password:remember mecreate accountis it really that easy? only one way to find out...loginalready have an account and just want to login?username:password:remember merecover passwordloginclose this windowinterface languageEnglish [en]العربية [ar]Беларуская мова [be]български език [bg]Bosanski [bs]català [ca]česky [cs]dansk [da]Deutsch [de]Ελληνικά [el]English (Australia) [en-au]English (Canadian) [en-ca]English (Great Britain) [en-gb]English [en-us]Esperanto [eo]español [es]español [es-ar]eesti keel [et]Euskara [eu]فارسی [fa]suomi [fi]français [fr]Gàidhlig [gd]עברית [he]मानक हिन्दी [hi]hrvatski [hr]Magyar [hu]Հայերեն լեզու [hy]Bahasa Indonesia [id]íslenska [is] (*)italiano (Italy) [it]日本語 [ja]ಕನ್ನಡ [kn_IN]한국어 [ko]Latin [la]1337 [leet]LOL [lol]lietuvių kalba [lt]latviešu valoda [lv]Nederlands [nl]Nynorsk [nn]Norsk [no]Arrrrrrrr! [pir]polski [pl]português [pt] (*)português [pt-pt]português brasileiro [pt_BR]română [ro]русский [ru]slovenčina [sk]slovenščina [sl]српски језик [sr]Srpski [sr-la]Svenska [sv]தமிழ் [ta]ภาษาไทย [th]Türkçe [tr]українська мова [uk]Tiếng Việt [vi]中文 [zh] (*) incomplete volunteer to translateπ Rendered by PID 14980 on app-16 at 2014-09-20 04:34:41.784728+00:00 running d16e201 country code: US.


text: _.tk=function(){this.R=[];this.H=[]};_.f=_.tk.prototype;_.f.ef=function(){return this.R.length+this.H.length};_.f.Ce=function(){return _.Eb(this.R)&&_.Eb(this.H)};_.f.clear=function(){this.R=[];this.H=[]};_.f.contains=function(a){return _.Db(this.R,a)||_.Db(this.H,a)};_.f.remove=function(a){var b=this.R;var c=(0,_.ub)(b,a);0<=c?(_.Gb(b,c),b=!0):b=!1;return b||_.Hb(this.H,a)}; _.f.Je=function(){for(var a=[],b=this.R.length-1;0<=b;--b)a.push(this.R[b]);var c=this.H.length;for(b=0;bBreastfeeding News - Google+Press question mark to see available shortcut keysFollowSign inSearchSign inHeather ShabestariBreastfeeding News10 followers - 6 posts - PublicFollow Post has attachmentHeather ShabestariBreastfeeding NewsFeb 29, 2016http://breastfeedingtoday-llli.org/birth-trauma-and-mothers-recovery/Birth Trauma and Mother's Recovery - Breastfeeding Todaybreastfeedingtoday-llli.org no plus ones no comments no shares Post has attachmentHeather ShabestariBreastfeeding NewsFeb 29, 2016http://breastfeedingtoday-llli.org/milk-sharing/Milk Sharing - Breastfeeding Todaybreastfeedingtoday-llli.org no plus ones no comments no shares Post has attachmentHeather ShabestariBreastfeeding NewsFeb 2, 2016http://www.huffingtonpost.com/werner-schultink/new-research-shows-that-breastfeeding-matters-everywhere-and-could-save-millions-of-lives-and-dollars_b_9106540.htmlNew Research Shows That Breastfeeding Matters Everywhere and Could Save Millions of Lives and Dollarshuffingtonpost.com no plus ones no comments no shares Post has attachmentHeather ShabestariBreastfeeding NewsFeb 2, 2016http://www.bfcofsd.com/blog/ways-to-involve-your-partnerHow to get your spouse or partner more involved with babybfcofsd.com one plus one 1 no comments no shares Post has attachmentHeather ShabestariBreastfeeding NewsJan 25, 2016http://breastfeedingtoday-llli.org/position-to-breastfeed/Position to Breastfeed - Breastfeeding Todaybreastfeedingtoday-llli.org no plus ones no comments no shares Post has attachmentHeather ShabestariBreastfeeding NewsJan 24, 2016Another study confirming that long term breastfeeding has exponential health benefits for the mother by reducing her breast cancer risk by 50%!http://news.yale.edu/2001/01/25/breast-cancer-risk-reduced-50-percent-breastfeeding-two-or-more-yearsBreast Cancer Risk Reduced by 50 Percent By Breastfeeding for Two or More Yearsnews.yale.edu no plus ones no comments no sharesLooks like you've reached the endLooks like this collection is empty. Check back soon.Unable to load more. RetryWait while more posts are being loaded


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2 bedroom duplex for sale in Turunç, Marmaris, Mugla, Turkey
Located on a beautiful small complex ( only 6 apartments) and ground flor duplex is for sale. Has got very nice garden and swimming pool. Apartment has got two bedrooms, lounge with semi open plan kitchen, bathroom and large balcony. Lounge and all the bedrooms has got aircon units installed. Back part of the property is pine forest and nothing can build in the future.
This property is for sale with all the white goods and furnitures.
Distance to beach is only 700 meters, very close to shopping and beach.
Very good investment and has got very high rental potential for holiday makers.
This is a property advertisement provided and maintained by Vartur, Fethiye (reference marmaristurunc2arti168dolar) and does not constitute property particulars. Whilst we require advertisers to act with best practice and provide accurate information, we can only publish advertisements in good faith and have not verified any claims or statements or inspected any of the properties, locations or opportunities promoted. Rightmove does not own or control and is not responsible for the properties, opportunities, website content, products or services provided or promoted by third parties and makes no warranties or representations as to the accuracy, completeness, legality, performance or suitability of any of the foregoing. We therefore accept no liability arising from any reliance made by any reader or person to whom this information is made available to. You must perform your own research and seek independent professional advice before making any decision to purchase or invest in overseas property.

value: This website is a UK-based company that runs rightmove.co.uk, the UK's largest online real estate portal and property website. It is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index.