The Regional National Insurance Contributions (NICs) holiday for new businesses has got off to a slow start. It was due to run from September 2010 and the objective was to "move towards a new and more balanced model of economic growth by promoting the formation of new businesses in areas that are most reliant on public sector employment." It was estimated that, over three years, "around 400,000 employers will claim the relief with regard to around 800,000 employees" (HMRC impact assessment).
According to figures to 21 November 2011 only 3,345 employers are claiming for 2010-2011 covering 12,411 jobs (10,170 successful employer applications in total) – see Parliamentary Deposited Papers DEP2011-2087.
Maps of private and public sector employment are available here from ONS (national statistics) but the impact of commuting and other factors mean that analysis is not straightforward. For a subregional analysis covering of some of the issues, see this article .
UK labour productivity increased by 0.2 per cent in the third quarter of 2011 on an output per hour basis, while market sector productivity fell by 0.1 per cent.
Productivity of the production industries rose by 1.2 per cent, within which manufacturing productivity rose by 1.4 per cent to a record level.
Productivity of the service sector increased by 0.3 per cent in the third quarter.
UK unit labour costs increased by 0.5 per cent. Within the manufacturing sector, unit wage costs fell by 0.4 per cent.
The UK's current account deficit was £15.2 billion in the third quarter of 2011, the highest on record.
The trade deficit widened to £9.9 billion in the third quarter of 2011, up from £7.2 billion the previous quarter.
The income surplus was £0.3 billion, the smallest surplus since the fourth quarter of 2000.
The financial account recorded net inward investment of £22.0 billion during the third quarter of 2011.
The international investment position recorded UK net liabilities of £245.5 billion at the end of the third quarter 2011.
Economic statistics for October and November suggest a continuation of the subdued economic conditions that have prevailed in recent months. Manufacturing output fell in October, and construction activity remained weak. Labour market indicators were also weak, with a further rise in unemployment in the latest three months, accompanied by continuing modest earnings growth.
Bright spots were relatively narrowly confined – for instance the strong growth in exports in October, albeit from a low September base, and the continuing buoyancy of on-line retail sales in November. And consumer price inflation eased for the second month running to an annual rate of 4.8 per cent in November.
components, the main drivers of sustainable growth – household consumption, business investment and overseas trade – were all noticeably weak.
The volume of expenditure on goods and services (seasonally adjusted) was flat in Q3 2011, following 3 quarters of negative growth.
Housing expenditure (which includes fuels and rental charges) showed the largest positive contribution to growth in volume terms.
Miscellaneous goods and services (which include financial services and insurance) showed the largest negative contributions to volume growth.
In current prices, seasonally adjusted household expenditure increased by 0.8 per cent.
The CBI has published its latest monthly Distributive Trades Survey, which covers the first two weeks in December.
41% of companies said sales rose on a year ago in Decembe, 32% reported a fall, giving a balance of +9%.
This was better than expected and the first year-on-year sales growth since May (+18%).
However, volumes of sales were poor for the time of year with a balance of -16% well below the long-run average.
Paper from the TUC arguing that, in the UK, the neo-liberal hatred of employment protection legislation is not justified by the evidence.


You must have the RallyCore data cable to connect to the XSI computer. Without the cable, the software is of no use. You can purchase a cable through RallyCore.
"Don't you realize that in a race everyone runs, but only one person gets the prize? So run to win!"


text:
Главная » Horoscope » Compatibility of Libra and Dev — Conflicts in Relationships
Compatibility of Libra and Dev — Conflicts in Relationships
Compatibility of Libra and Virgos — there are chances for happiness
Compatibility of Libra and Virgo in terms of astrology is in great doubt. Their elements are poorly combined, and the relationship is held under the motto: «Envy under the mask of love.»
Let's talk about the features of such stellar alliances.
Compatibility in love
Libra and Virgo usually like each other, so these pairs are formed quite often. Many things unite them: both intellectuals do not tolerate conflicts and avoid them, have a developed sense of beauty and do not like change.
Therefore, at first glance, it is a fairly stable and durable union, based not only on physical attraction, but also on intellectual closeness, coincidence of views.
In the first minutes of dating, Libra and Virgo feel a mutual attraction. They want to communicate endlessly, they consider each other interesting and clever interlocutors.
There is also an element of competition — everyone wants to show their intelligence in all its glory.
Relationships usually start quickly, everything is smooth and beautiful at the beginning, but very soon the first problems begin.
Virgo will always feel its superiority, especially in the intellect. But subconsciously, he will understand that Libra, on the other hand, is more flexible, creative, and has a wider view of the world.
Because of this, envy gradually ripens in the soul of the Virgin, which increases when she realizes that Libra gets everything quite easily in life.
Therefore, if at the very beginning of the relationship Virgo infinitely admires Libra, falls in love with them, even tries to learn something, learn something, then in time she will feel this superiority and begin to envy.
This will be the beginning of conflicts. They will intensify even more when the Maiden will receive less from Libra of emotions for which they are extremely stingy.
From here — disagreements, misunderstandings and the first serious quarrels, which already at this stage often end in parting.
This couple can exist for a long time, but only because of Libra's filigree ability to get out and diplomatically avoid conflicts, preferring a thin world to clarifying relationships.
They can tolerate each other for a long time. But if they decide to live together and start a family, this will be the union of two unhappy people who are completely dissatisfied with the relationship.
Causes of conflict
Stormy quarrels and acute conflict situations in the union of Libra and Virgo are practically non-existent. These are calm signs that can negotiate, or are silent about their offenses, for fear of scandal.
They will not exactly shout at each other and sort things out, because they are afraid of strong negative emotions, like fire.
Reasons for disagreements in such a union may be as follows:
Virgo in this pair takes a dependent position, she has to obey and adapt. But she will do it, only in case of strong love or from material gain. If feelings are not enough, Virgo will show all her independent character in all her glory, which will be the cause of the first quarrels.
Libra is very kind to his opinion, which speaks out loud. He does not tolerate when his words are challenged, they are trying to prove the opposite point of view, he hates objections. Therefore, Virgo needs to make concessions, pushing in itself the natural love to criticize and lower the interlocutor from heaven to earth. Otherwise there will be quarrels and long debates about who is right and who is to blame.
This pair has very serious differences in finals. Virgo seeks to earn, save and increase capital. Scales prefer to spend and do not bother with financial planning. They are better to lower the entire salary of the trip, entertainment. These emotions are more important to them than stability. A virgin attitude toward money simply kills and plunges into panic.
Virgo is a very closed person, "on her mind", which is very angry and annoying to sociable, sociable Libra, who never keep feelings in themselves. They are enraged by prejudices that limit the beliefs and secrecy of the orchestra, they lack the ability to speak out.
Virgo is often jealous of Libra. Because of her closeness and caution, she often cannot achieve success in her career, while Libra does it just fine thanks to her innate ability to negotiate.
The initiator of conflict will almost always be Virgo. Scales simply do not always understand why their companion is so often offended, breaks out, or is in an emotionally depressed state.
Watch the video about the compatibility of these two signs of the zodiac:
Woman Scales and man-Virgo
A man will miss the emotionality and determination of a girl that is peculiar to him. Over time, these "flaws" will start to annoy him, the first quarrels will arise.
A woman will often become offended in response to the attacks of the chosen one, but will never tell him about it. The habit of silencing the claims and not talking about the insults can eventually go sideways — the negative will accumulate, and one fine moment all the claims come out.
If partners learn to hear and understand each other, everything can turn out well. Otherwise, they will simply coexist together, silently suffering and not understanding where the feelings have disappeared.
Virgo man and Libra woman
Such a union seems to be more successful. Romance, courtesy and gallantry in love with a man in the first stage will conquer the girl.
She sees in it all the qualities that are characteristic of her ideal, long drawn in the imagination.
A woman sees in a man-virgin a wonderful family man, a breadwinner, she feels that he is able to take responsibility for solving any problems, which is very attractive to her.
She also plays the role of a beautiful princess in the relationship, the inspirer who gives her man the energy for achievement.
If she always looks after herself, remains a beautiful and interesting companion, does not stop her spiritual development, and learns how to spend money rationally, their relationships have every chance of being happy and successful.
We summarize: this union is not the most favorable, but if you wish, you can save it and make it happy. The main thing is the willingness of both to change and adapt to each other.
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redpajama_set_name: RedPajamaCommonCrawl


A month or so, ago, I took a wrong turn coming back from the Dayton Mall area and ended up on this twisty, beautiful road called Crains Run. When I went to show Matt the road, I noticed that we plopped out near the namesake Crains Run Nature Park. At that time, we could not stop to enjoy it; plus, it was unseasonably cold…or hot that week…I can't remember, but I just know we couldn't stop. So we promised that sometime soon, we would stop and check it out. Matt has been in this area for years and had never visited it, but I'm the type of person who a) loves parks, b) loves local, c) loves new places, d) loves old places, and e) loves going to said places with my husband.
That is what Crains Run Nature Park is. It is a park, and very lovely. It's local, and is part of a string of parks along the Miami River. There is a bike patch connecting all these parks for miles! It is new to me, and I love first time visits anywhere. I'm saying it is old because of the river. There is something about rivers that is just old and new all at once, and I love paradoxes like that. It is like the Gospel.
Ohio has been doing a great job of turning old rail routes that are no longer in use into walking/bike paths. While I do love trains and the rail system, this idea of making something new and scenic from something else is fabulous to me. The views are lovely, and there is a lot of nature to observe along the way. We took a short walk on the path, only a mile in one direction and back, before we called it an evening. My feet were sore at the end of it, but my heart was full.
I felt like I was running (well, I was walking) through Narnia, "Further up! And further in!" It was growing and the smells and sounds were delicious. I'm also a self-christened "hana otaku," which can be translated from the Japanese to mean a "flower nerd." And I think wildflowers are some of the best. This park has them in spades. We walked along a big cement platform out to the river's edge and found some lovely examples of Ohio wildflowers.
I love how the wild nature reminds me so much of God. We go through our lives, many of the events having the same color and feel, like the green of the trees, bushes, weeds, and then suddenly, we will find a patch of beautiful color to remind us that God is right there and has a treasure to show us. The little blessings throughout the day are the scattered wild daisies or butterflyweed tucked into the corners between the strong oak and maple trees. And God spoke these into creation; they are from the very words of God!
I enjoy seeing the discarded remnants of man's attempt to either make better or to invade something wild. In the end, it is all nothing. God made nature resilient and no matter how many times something is paved over, a flower will probably start growing between the cracks.
Those are the only two I could find information for online.
This entry was posted in Green, Review. Bookmark the permalink.
You must have gotten your love for wild flowers from Grandma Stella Cook as she loved them and would pick bunches of them while walking in the woods. I like reading your Xapa to the world. Keep it up. Hope you and Matt are doing well with your first year of marriage. Love and prayers Grandma Cookie.


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Q: How to express "you are holding your bike and then walk, which makes the bike go with you", do you say "I am carrying / taking / walking my bike"? Say, you are not riding on your bike. Instead, you are holding it with your hands. You, then, walk, which makes the bike go with you.

do you say "I am carrying / taking / walking my bike"?
If we used these terms, then would people think that I were moving the bike without its wheels touching the ground, I might lift the bike up and walked (see the picture)

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The University of Arizona Press is the premier publisher of academic, regional, and literary works in the state of Arizona. They disseminate ideas and knowledge of lasting value that enrich understanding, inspire curiosity, and enlighten readers. They advance the University of Arizona's mission by connecting scholarship and creative expression to readers worldwide.
Showing 31-60 of 1,675 items.
Yolqui, a Warrior Summoned from the Spirit World
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Racial Alterity, Wixarika Youth Activism, and the Right to the Mexican City
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Utilizing archival and ethnographic research, this book explores the construction of racial and ethnic imaginaries in the western Mexican cities of Guadalajara and Tepic, and the ways in which these imaginaries shape the contemporary experiences and activism of Wixarika (Huichol) Indigenous university students and professionals living, studying, and working in these two cities.
The Border and Its Bodies
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Edited by Thomas E. Sheridan and Randall H. McGuire
The increasingly militarized U.S.-México border is an intensely physical place, affecting the bodies of all who encounter it. The essays in this volume explore how crossing becomes embodied in individuals on the most basic social unit possible: the human body.
Cultivating Knowledge
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Travel and the Ethics of Research in the Global South
Edited by M. Bianet Castellanos
Detours is an attempt to crack cultural imperialism by bringing forth the personal as political in academia and research. Speaking from the intersection of race, class, and gender, the contributors explore the hubris and nostalgia that motivate returning again and again to a particular place. Through personal stories, they examine their changing ideas of Latin America and the Caribbean and how those places have shaped the people they've become, as writers, as teachers, and as activists.
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Short stories that highlight the folly of the human condition.
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This timeless volume is a significant analysis of the burgeoning field of Latinx filmmaking. Editor Frederick Luis Aldama has gathered together some of the best writing on Latinx ciné in the twenty-first century. Today's filmmakers show the world a rich Latinidad informed by a complexly layered culture replete with history, biography, and everyday experiences.
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Steve Kerr explains how changes will be made with Warriors this season
By admin on Wednesday, August 29, 2018
Steve Kerr is a winner. As a player he won five NBA titles, and now as a coach, Kerr has added three more titles with the Warriors.
Even with eight rings, Kerr knows how hard it is mentally to be a champion.
"I do think in order to keep their interest, and to keep them fresh, we've got to change some aspects of our routine, and we'll see what that means," Kerr said to the San Francisco Chronicle. "Could mean altering or even getting rid of shootarounds, (or) only having shootarounds occasionally.
"Could mean changing the structure of practice, changing the amount of time we're on the floor, maybe mixing up some different drills."
The Warriors have been to the NBA Finals in four straight seasons, winning three champions and back-to-back rings the last two years. There's no doubt Kerr and others have worries about the Warriors losing motivation and growing stagnant during the 82-game regular season.
"That's where the coaching creativity comes into play, and that's when your internal (player) leadership comes into play," Kerr said.
While Kerr may make changes to the routine, the Warriors' roster already underwent a big change in the offseason with the addition of DeMarcus Cousins. Will the All-Star center change how the champs play?
Don't count on it.
"We're not going to change our style of play," Kerr said. "We'll definitely add a few plays for DeMarcus (Cousins) down on the block. But for the most part, we're not going to change who we are."


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Q: Trying to get my navigation next to my logo I am trying to get my nav next to my logo and it just keeps putting it below it. My code isn't great, but I want the nav to be next to the logo like I have in the design that I have:

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CSS:
body {
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A: Apply float: left; to the .logo class and close your  with  . not with`:

body {
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}

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}

.logo {
  float: left;
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Russian Visa invitation
Tourist visa invitation Business visa invitation Health insurance policy Russian embassies and consulates Blog Contacts
Home > Blog > Russian Federation
ENRUFRESRO
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Russia, also known as the Russian Federation, is a sovereign state of Eurasia. With more than 17,075,200 square kilometers, Russia, is the largest country in the whole wide world. If you where to take all the human inhabited landmass in the world, Russia would consist of one eight of it. That is how huge the Russian territorial expansion is. Because it spawns from the northern parts of Asia to Eastern Europe, Russian extends through eleven time zones. Expending above such a wide coverage of land, Russia is one of the most biodiverse countries in the world and also possesses lands considered still virgin, in this era of wide exploration and deep travel.
Russia has had a tumultuous past that has reached its peak during the communist era, it was the birth place of communism after all. But since 1991, when Boris Yeltsin has been elected the first President in all Russian History, the country has changed. Now everyone can admire its beauties and majesty either by venturing there as a tourist of in the purpose of work or study. Either way, going to Russia requires that you have a visa. Russian visas can be obtain only if you posses and invitation letter from a Russian party. But don't be discouraged, in today's world it has become very easy to obtain the much needed invitation letter. You can get an invitation letter either from a friend, a family member or an institution, be it educational, economical or statal. Still can't get an invitation letter to Russia? No problem, there are specialized site, just like this one, where you can apply for a legal Russian invitation letter and receive it almost instantly and at a very low price also.
No need to stress about your inability to visit the grandeurs of Russia anymore. This site will provide you with much needed invitation letter that you can use to obtain a tourist visa to Russia. Now anyone can go to Russia, as a tourist and visit the beautiful country in all its glory.
The Russian topography consist of vast expansions of plains with heavy forests in the northern part and steppe to the south. Russia also has one of the most notorious mountainous ranges in the world, the Urals and 23 miles of coastline where you can see both the Pacific and Arctic Oceans. With thousands of rivers and countless inland bodies of water this country contains one quarter of the total amount of drinking water present on earth, the Baikal Lake alone conjuring one fifth of the total amount of drinking water present globally. The seer size of Russia makes for a humid continental climate, which can be experienced in most parts of the country, with the tundra being an exception, where the subarctic climate present in the most northern European parts of Russia and Siberia being the other exception.
Russia is a great country that deserves to be visited and now, because of the services online sites, just like our own offers to the public, Russia is, methaporicaly speaking, closer than ever before.
You can ask on our special site, for questions and answers.
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I just love the Art Impression stamps. So this one was perfect for the funny challenge. I paired it up with a snarky sentiment that she will get a kick out of lol!
Thank you so much for stopping by today. Hope you can join us this week for our funny challenge.
Categories: Stamp Ink Paper, Uncategorized | Tags: Art Impressions, Funny, Snarky | Permalink.
I love Art Impressions too! I can't stop laughing…what if I bring the wine? LOL… I'm glad you bring such a great talent to the SIP team!
Oh my word!!! I love this card Ginger, honestly!! that sentiment is to die for.
I also love, love the Art Impressions gals, they are always doing something fun and/or outrageous!!!
This card will totally delight the recipient and have her LOL!! all day long.


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BOISDALE OF BISHOPSGATE LAUNCHES the £90 omelette
Pic via Pixabay
made from gull's eggs, lobster and truffles
Boisdale of Bishopsgate, London's premiere British restaurant, has launched the most expensive omelette in the world made from gull's eggs, lobster and truffles.
Robert Kavara, Boisdale of Bishopsgate's head chef will be using Welsh coast native lobster, West Minch cock crab, wild garlic, Wye Valley new season asparagus & Piedmont summer truffles in the omelette, priced at £90 (48-hour notice is required).
A number of other gull's egg dishes, individually priced, include Coddled eggs served with spring morels and Wye Valley asparagus whilst those who prefer their eggs scrambled will be treated to Smoked wild Dunkeld salmon & summer truffle shavings.
The gull's eggs dishes will be on the menu from Monday 13th May but, owing to the very short gull's egg season, they will only be available for a few weeks. Gull's eggs, with their green mottled shells and bright yellow yolks, are well known for their rich flavour.
Robert Kavara said, "Gull's eggs are an age-old delicacy that for 3-4 weeks each year become one of the most sought-after British eggs by chefs around the UK (sometimes fetching as much as £8 per egg) so I am delighted our customers will have the chance to sample this rare culinary experience of gull's eggs as it is a truly indulgent dish.
Only one egg is harvested per nest and each 'egger' (collector) must have a DEFRA license, which is renewed yearly."


Rais Wood Burning Stoves are a beautiful collection of Danish made wood burners.
The Rais Contemporary Stoves are high quality stoves with a modern design, providing simple function and a great fire at heart. Rais Stoves focus on the 'Art of Fire' and the design style of their fabulous wood burning stoves reflects this.
Rais Stove are both functional and simple - Suitable to match a range of interior designs and room sizes.
The Rais Wood Burners provides a high quality stove in every sense, right through to the finishing details and are created using exstensive knowledge and creative innovation.
It is this Danish design that creates the experience of combining cosiness and efficient heating and many of these Rais Stoves are suitable for smoke controlled areas.
BMF Leeds have completed numerous installations using Rais Stoves and are happy to provide any technical information or advice.
As specialist Rais retailers and installers, buy Rais Wood Burners from BMF and we will fully specify your installation requirements.
Call 0113 2660096 or pop into our Leeds Fireplace Showroom for the full Rais Heating Collection.


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Q: How to view the list of tables along with columns and their data types in a particular schema? In Postgres, I need the information of all the tables along with the columns present in the table with their data type in a particular schema.  How can I achieve this?

A: If you are using psql, do a \d your_schema.*
psql has an additional feature: when you do \set ECHO_HIDDEN on beforehand, you'll receive the queries used for producing the output.  You can save these queries and reuse them in any client you prefer.
These queries do a bit more than what you strictly need, so you can safely omit some of them.  This exercise is left to the reader ;)


The Mater in Newcastle is a 187 bed facility and is a major centre for oncology, haematology, clinical toxicology and research. The hospital features long corridors situated within single to two level buildings.
The objective of the brief was to provide self navigating guidance around the hospital and its site. Minale Tattersfield established a visual language comprising arrows, written information and distinctive images to provide additional cues.
The images provide a reference for each department and service from the entry to the destination. With the introduction of images it is intended that visitors can be guided on a functional as well as an emotional level.


The Canadian Post Office is our main carrier for deliveries throughout North America. A shipping charge of $30. will be added to your invoice. If an alternate shipping method is preferred, please call 807-482-2580. All shipments will be sent prepaid.
Satisfaction Guaranteed or return the product within 30 days of invoice for a complete refund (less shipping). The product must be in its original condition and packaging to avoid a restocking fee. All Sledjack products are warrantied against defects in material or workmanship under normal usage and conditions for a period of one year from the date of invoice. Your exclusive remedy in the event of such a defect is to return the product to our warehouse with a copy of your receipt. At the sole discretion of Dave Goodman Automotive, we will repair or replace the item or refund the purchase price.


The land owner of the vacant lot adjacent to the land we purchased 60 days ago is ready to sale.
In a church business meeting on Thursday, April 16, the church voted to proceed with the purchase.
I'm excited about what God is doing….
Easter Weekend at Ocoee COG was HUGE!!!!
Saturday was our annual Easter Egg Hunt.
According to those that counted, there were at least 115 folks in attendance.
There were so many children under the age of 11, that we had to divide them into 3 different groups for the egg hunt!!
On Sunday, we celebrated the resurrection of our Lord and Saviour, Jesus Christ!
Since Easter is a very special day, we combined our English and Hispanic Congregations for worship!!!
Our total attendance for the worship service was 231!!!
There were 178 folks in the main sanctuary and 53 in childrens church!
Space was very tight – but God was good!
Several weeks ago I made the comment to some folks that I wanted a "golf cart'" to use here at the church campus.
The golf cart would allow me to get around campus a lot faster than walking!
Well, yesterday, I received a call from one of the families in my church.
That family, along with another family, went together and now I have a golf cart!
The golf cart was an earlier Pastors Appreciation Gift!
Wow – what great folks we have at Ocoee COG!!!
As you drive by the campus throughout the week, if you see me out in my golf cart, be sure to blow your horn!!!
The LIGHTS are NOW ON!!!!
Well, after about a 4 month process, the power company has installed the lights at the church campus!
It's already been said that our campus looks like a baseball field!
We want folks to know we are here and for those that are on campus after dark, we want to ensure that they are as safe as possible!
This weekend is going to be a GREAT weekend!
Today, we have our annual Easter Egg Hunt at a local park in Ocoee from 11am – 2pm.
Tomorrow, we will be CELEBRATING the RESURRECTION of our Lord and Savior, Jesus Christ!!!
Our Worship Service tomorrow will begin at 10:30am and will be a joint effort between our English and Hispanic Congregations!
I'm so excited about what God is doing at Ocoee COG!!!!
If things go as planned, we will have a 60-voice YOUTH CHOIR with us for a Saturday night event in May!
I wonder if we can even fit 60 folks on stage – but we will try!
It may be possible for them to stay over and be with us the very next day for Sunday AM Worship!
Wow, I hope they can – I'm not sure where we would put them – but hey – we will figure it out!
Easter Sunday will be a very special time for Ocoee COG!!!
First of all, we will have a combined worship service (starting at 10:30am) that will include our English and Hispanic congregations!
Our youth group (L.I.G.H.T. Youth Ministeries) has been preparing a drama that they will present on Sunday.
We are anticipating a large crowd and have plans to use every possible inch of the sanctuary to ensure everyone has a place to sit!
I'm thankful for Jesus Christ and we plan to CELEBRATE His Resurrection this Sunday!
*Remember, worship will begin at 10:30am!
Well, after a very long process – almost 4 months – Progress Energy trucks arrived on campus today to begin the process of installing our new security lighting.
Finally, we will have enough lighting in the main parking lot, the back parking lot along with some much needed light at the new property.
I'm trusting that the power company will complete the project tomorrow!
In addition to the added safety this will provide for us, when folks drive by Ocoee COG (day or night) I want them to know that we are here and moving forward for Jesus!
Yesterday afternoon, my youngest daughter (Meariah, age 3) started complaining with pain in her lower right side.
She had been sick since Friday afternoon, however, the sharp pain in her right side concerned us very much.
We ended up at the ER and after 5 hours we headed back home.
Meariah was very de-hydrated and her blood sugar was very low.
I did not attend service last night, as I felt it was my place to be 'daddy' to my daughter – sometimes a pastor's family needs daddy!
I'm thankful for the touch of God in Meariah's life!
Thank you to EVERYONE who called to check on us.
A very special THANK YOU to those that ensured the PM Service was the very best!!!!
In an effort not to miss anyone, I'm not going to call names but YOU KNOW who you are!!!!! God Bless each of you!!!!


text:
You'll Need More than a Magnifying Glass to Read Credit Card Agreements
Many consumers are overwhelmed by the length, language and fine print contained in credit card agreements. This lack of understanding may be one of the reasons so many people end up with credit card debt troubles. According to a CreditCards.com analysis of all the agreements offered by major card issuers in the United States, the average American reads at a 9th grade level, while credit card agreements are supposed to be written at a 12th grade level. The higher the level at which these agreements are written, the fewer consumers understand them. Currently, 4 out of 5 Americans find credit card agreements unreadable.
"Something must be done to make these agreements easier to read," says Lauren Z. Bowne, staff attorney for Consumers Union, the nonprofit owner of Consumer Reports magazine.
Some experts feel there may be a less than honorable motive for this "readability" problem.
"Credit card contracts and other such documents are written in dense prose for a reason: So that the customer will NOT be able to understand it," notes Roy Peter Clark, a national expert on writing and a senior scholar at the Poynter Institute in St. Petersburg, Fla. "I may be cynical, but I don't think their writing strategies are accidental, the collateral damage of a bureaucratic mindset. I think those writers know exactly what they are doing."
Lawyers, like Roberta Toria, hired to write credit card contracts, disagree. She shared a department store credit card agreement that unfolded four feet to the floor. When asked to read part of it, she read:
"The finance charge for billing period is calculated by applying the periodic rate to the account balance subject to finance charge for each day in the billing period and adding together all of those daily finance charges amounts."
When asked if she thinks that is very clear, she responded, "Yeah, I do. You have a billing period. We tell you the charges are separate depending on the plan."
Ms. Toria says that if she used simpler language, the document would be even longer and people would complain more and read even less.
Bankers deny deliberate deception putting the blame for the densely worded print on all the federal and state laws that require disclosure of terms. "It's unfair to say that these are deliberately made complicated," countered Nessa Feddis, a spokeswoman for the American Bankers Association. "They try to make them simple, but there are legal requirements for disclosures."
Consumer Reports points out that credit card agreements are written by bank lawyers to benefit banks.
Early in 2011, Consumer Reports magazine led a campaign urging Congress to make credit card agreements easier to read and understand. "They are long, confusing, fine print documents that lock you in to terms that can sometimes bite back later," according to a letter from Consumer Reports president Jim Guest. He adds, "It should tell you in straightforward language (and in a type size that people can actually read) exactly how much you will pay in fees and charges, what can cause your rate on future purchases to change, and what penalty fees you might face."
Meanwhile, consumers are still caught in the middle. Financial advisers strongly urge card users to read their credit card agreements thoroughly to make sure they understand the deal they are getting from the credit card company. "That's easy to say, but sometimes difficult to do," says Andrew Bernstein, a certified credit counselor in West Palm Beach, Fla. He gives seminars on reading the small print of credit card terms. Clients often turn to credit counselors to help them decipher the fine print. Says Bernstein, "Credit counselors struggle reading it, too."
The Consumer Financial Protection Bureau — signed into law by President Obama as part of the 2010 Wall Street reform package and led by Elizabeth Warren — are in place to help. Among other things, the agency has the power to mandate that credit card contracts be written in plain English, so most Americans can understand them.
"Americans need adequate information about the benefits and costs of complex consumer financial products such as credit cards to make the personal choices that are best for them," Michael Barr, assistant U.S. Treasury Secretary for financial institutions, said in a statement responding to written questions. "Improving basic financial awareness is also critical to helping consumers process information and avoid abusive products."
| Category: Personal Finances
4 Ways to Stop Using Credit Cards
Stop Identity Theft Before It Stops You
It Is Possible to Save Even If You're Paying Off Debt
Generation Debt – Are You a Member?
By: Martha Henry
Settlement Companies Worsen Debtors in Financial Distress
By: Antonio Garcia


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A technical design, this trench coat features a built-in hood plus laser-cut flap pockets. Even if you are the type of guy who always carries an umbrella, it's likely you'll get caught in the rain at some stage. So think about this coat as your plan B, the one that never fails you.
If you are not satisfied with your purchase, you may request to exchange or return an item, free of charge, in the 'My Account' section of our website, or by getting in touch with us at sophie@adolfodominguez.com and +34 902 333 717.


text:
SYNONYM

#### According to
The Catalogue of Life, 3rd January 2011

#### Published in
Départ. Vosges, Fl. Vosges, Champ. 56 (1943)

#### Original name
Monilia variabilis Lindner

### Remarks
null

redpajama_set_name: RedPajamaGithub


Our company is owned by an independent broker. Which means our clients get to work directly with a highly skilled, dedicated broker. No wasting time waiting with a "middle man" that has to get approval from upper management. We understand that you want to save time and money in your real estate transactions. At Z1 Propertiesthat is just what we do!
We specialize primarily on real estate in Yolo County. This focus ensures that we are able to share our valuable expertise with you by providing a smooth search, offer, and purchase experience. Every client is given the attention and superior service they deserve on every transaction. No exceptions.
Z1 Properties is also a property management company. This gives us expert knowledge about the age and condition of homes in Davis and the surrounding area. We share our knowledge about each potential property with our buyers to ensure that you are getting the home of your dreams, the perfect investment property, or the home away from home for your UC Davis student.
Along with the expertise service that you will get directly from the broker, our website offers the capability to search comparable homes in your neighborhood, so you always know what the market looks like. We also know how to spruce up your home to raise the appraisal value and we will work continuously with you to get the job done!


Please read these Terms of Service ("Terms", "Terms of Service") carefully before using the our website, content, templates, or software (the "Service") provided by Profit Matrix LLC also known as Rhode Island DBA Prentice Marketing and Rhode Island DBA Doorbuster Marketing ("us", "we", or "our") . Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service. By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service.
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