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Ohio-Partnership Long-Term Care Insurance Information
This page provides specific, current information on Ohio-Partnership area long-term care costs and insurance protection.
The American Association for Long-Term Care Insurance does not sell insurance. If you would like specifics about policies you can either complete our simple online questionnaire and we'll have a designated professional provide you with no-obligation information or use our online Find An Agent look-up to find members in your area.
Ohio-Partnership Long-Term Care Costs
Home Health Aide: Average Hourly Rate: $19
Homemaker: Average Hourly Rate: $18
Assisted Living: Lowest Monthly Cost: $2,080
Assisted Living: Highest Monthly Cost: $5,100
Assisted Living: Average Monthly Cost: $2,850
Nursing Home: Semi-Private Daily: $190
Nursing Home: Private Average Daily: $215
Shopper's Guide to Long-Term Care Insurance
Important Things To Keep In Mind
Insurance Company Ratings Matter
Some people actually buy long-term care insurance and, typically because of an accident, actually trigger their benefits within the first few years.
Your Health Matters Most
It's important to start considering long-term care insurance when you are still able to "health qualify". Insurers offer individuals in good health discounts that are locked in. So, even when your health changes, and everyone's does, you'll still enjoy the savings. More important, you'll have locked in your insurability. Wait too long, and a health condition could arise that makes you uninsurable. Each insurance company sets their own acceptable health standards -- a reason you want to start by talking to a long-term care insurance professional with access to multiple insurance companies.
Rates Can Vary Significantly
Each year we compare prices for virtually identical long-term care insurance coverage. For someone age 55, we have found rates can vary by a few hundred dollars a year... to nearly $1,000. Some insurance agents are only licensed and appointed to represent one insurance company -- and that may indeed be your best option. But it pays to ask and it may pay to work with someone who has access to multiple insurers.
There Are Ways To Reduce The Cost
Get the coverage you need... for a price you can afford. And, make sure you work with a knowledgeable long-term care insurance professional who can tell you ways to save on long-term care insurance. For more information on discounts worth considering, click here now.
This information is provided compliments of the American Association for Long-Term Care Insurance, the industry's professional trade organization, . For more info click here now.


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Svoja.org » Dictionary
Polish-Podlachian dictionary with a bidirectional search — work in progress.
The button PL-PDL starts the search for those entries that provide translation of the Polish word from the search field into the Podlachian language.
The button PDL-PL starts the search for all the entries that include the Podlachian word from the search field.
* * *
In the search field, you can use * character (asterisk) for a wildcard, for example: ala* (search for words that start with ala...), *tka (search for words that end with ...tka), etc.
Total entries in the dictionary: 22 087
Search for word
Found entries
gazda m gázda m

subset: commoncrawl


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This site uses cookies, which are anonymous small text files placed on your computer tablet or mobile phone to help the site work properly and provide a better user experience for you. Generally, cookies are used to retain user preferences, remember information such as details you have entered into online forms, provide anonymous tracking data for other applications such as Google Analytics, and where appropriate, store information for things like shopping baskets, identify you as being logged in to a particular service, and allow access to secure areas of the site (this is not an exhaustive list).
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Driving Lessons Stalybridge, Intensive Driving CoursesWe offer manual and semi automatic driving lessons in Stalybridge, intensive driving courses, crash course that's guaranteed best value money, if you want to pass your driving test quickly? Our aim is to help you pass your driving test & be a safe driver for life! We are committed to one thing, giving you the skills and confidence you need for the road ahead! Our driving instructors are highly passionate, committed & of course trained to the highest standard approved by DSA. We believe learning to drive should be fun and enjoyable as you will learn more quickly! we guarantee you friendly & professional, calm patient driving instructors, to book a driving lesson please fill the form below & we'll call you ASAP! thank you.
Special offer for beginner learner drivers 1st 5 lessons for £50
We promise you quality driving lessons and training that will guarantee you quick pass driving test with confidence. |
Driving Instructors wanted in Stalybridge, ADI's & PDI's call now!
Cheap driving lessons Stalybridge, Intensive driving courses, crash driving course, semi automatic driving lessons, motorway lessons pass plus course, refresher lessons, taxi drivers education, female Instructors tuitions, pay as you go or guaranteed pass ADI training, driving instructors, driving schools franchise, free theory test training.


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Synopsis: | A fine sword and sorcery tale featuring brutality, excellent production values, and a rousing score. Conan's (Arnie, who else) parents are killed and he's enslaved. But hardship makes him strong, so when he is set free he can avenge their murder and retrieve the sword bequeathed him by his father. Sandahl Bergman is great as The Queen of Thieves, and Schwarzenegger maintains an admirable sense of humor throughout. Jones is dandy, as always, this time as bad guy Thulsa Doom. Based on the character created by Robert E. Howard. Sequel: "Conan the Destroyer." |
Directed by: | John Milius |
Producer(s): | Mark Huffam. |
Cast: | Arnold Schwarzenegger, James Earl Jones, Max von Sydow, Sandahl Bergman, Mako, Ben Davidson, Valerie Quennessen, Cassandra Gaviola, William Smith |


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US Stock, Free Shipping avaliable. Fastest delivered in 3 days.
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Though the nation's football fans — from President Obama and Republican presidential nominee Mitt Romney to the average couch quarterback — are begging the two sides to settle their contract dispute so that regular NFL referees can come back to work, there seems to be no clear reason to think that's going to happen in time for this week's games.
Pardon the Interruption co-host Tony Kornheiser is convinced that Monday night's debacle (when replacement refs blew the call on the game's last play and Seattle ended up beating Green Bay 14-12) is the tipping point that will bring the league and the officials together before Thursday night's game between the Cleveland Browns and Baltimore Ravens.
But Tony's basing his prediction on an assumption that NFL Commissioner Roger Goodell and the league's owners want to head off any further damage to the league's reputation.
Other pigskin pundits, such as The Kansas City Star's Randy Covitz, don't think any possible tarnishing of the league's reputation will trump other considerations:
"Even though NFL commissioner Roger Goodell and his staff spent 16 hours on Saturday and Sunday trying to reach an agreement with the NFL Referees Association, they're still deadlocked on several issues, including pay and the league wanting to take away pension plans for the officials, who earn up to $150,000 a year for part-time work. And even after fan outrage following the Monday night game, which many thought the Packers should have won, the NFL upheld the officials' decision that gave the Seahawks a victory."And as long as stadiums are filled and television ratings are high, don't expect Goodell and the owners to budge very much."
What's more, NPR's Tom Goldman said earlier on Morning Edition, the latest discussions between the two sides were "planned before the firestorm erupted Monday night." There's nothing to indicate that the talks took on added urgency in the past 48 hours, he said.
There's also this: All the attention just might mean even higher TV ratings than usual this week, as fans tune in to see if there are any more ref-related mess-ups.
Update at 2:15 p.m. ET. Wait A Minute. Could Tony Be Right?
ESPN is now saying that "the NFL and the NFL Referees Association made enough progress in negotiations Tuesday night that the possibility of the locked-out officials returning in time to work this week's games has been discussed, according to sources on both sides." It adds that the refs association says "its 121 referees have been trained on the new rules implemented last season, have already passed physicals or are prepared to pass physicals immediately."
Copyright 2016 NPR. To see more, visit http://www.npr.org/.


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School Information
Special Educational Needs and/or Disability
St Matthew's aims to be an inclusive school which caters for the needs of all children.
Our approach to meeting the needs of children with special educational needs and disability helps us to meet important school aims:
To provide equal opportunities for all
To foster respect for, and understanding of, the differences between individuals
To maintain high expectations of all children
To teach each child according to his or her strengths, aptitudes and needs
To create an environment in which children feel safe, secure and happy, in which they are listened to, and in which their views are respected
To work in close partnership with parents and carers, and to maintain effective two-way communication with parents and carers
Please click on the link below for a copy of our SEND Policy and Information Report.
You may also find these documents useful:
Special Educational Needs and Disability Code of Practice, 0-25
Privacy and cookies policy
Part 1: Privacy Policy
Last Edited: 22nd April 2021
- 1. Introduction
- 1.1. We are committed to safeguarding the privacy of the users of our services. Our services include and will hereby be referred to as 'Our Services' (our websites used to promote eSchools services and tutorial resources, specifically https://www.eschools.co.uk and https://academy.eschools.co.uk), 'School Websites' ( designed by eSchools and populated by individual schools themselves) and 'Platforms' (individual online services that provide teachers, learners, parents and governors with information, tools and resources) as well as our smartphone app. This policy sets out how we will treat your personal information across these services.
- 2. Collecting personal information on Our Services
- 2.1 We may process or temporarily store the following kinds of personal information:
- information about your computer and about your visits to and use of Our Services (including but not limited to, your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths)
- information contained in or relating to any communications that you send to us or send through our website (including, the communication content) via online forms
- any other personal information that you choose to send to us via online forms
- manually inputted details of users added to the platform
- details of users as integrated by our providers at Wonde via your MIS (if applicable to your package). For further information on integrated data please see our Data Sharing Agreement
- 2.2 Before you disclose to us the personal information of another person, you must obtain that person's consent to both the disclosure and the processing of that personal information in accordance with the terms of this policy.
- 2.3 eSchools websites may request cookies to be set on your device. We use cookies to let us know when you visit our websites, how you interact with us and to enrich your user experience. You can adapt your cookie preferences, although please note that blocking some types of cookies may impact your experience on our websites and the services we are able to offer. We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party's direct marketing. For further information on how you can manage and set your cookie preferences, please see our Cookie Policy.
- 2.4 Information submitted through the online contact form on a school website is processed via eSchools, and passed directly to the school in question. This data is held by eSchools for 30 days (or in the case of failed messages, 90 days) before deletion. Once passed to the school this data is held by them and subject to that school's privacy policy.
- 2.5 Schools are also able to add analytics tools and can therefore gather information on visits to and use of their website (including but not limited to, IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths). Individual visitors can manage their preferences through cookie preferences, as mentioned in 2.4.
- 2.6 Session IP addresses are retained to monitor and safeguard against improper usage of our services.
- 2.7 Content on the platform (added by staff, governors and students) and website content is added directly by School Users. This information is only used for to display on the platform in the way the user intends and is not used for any other purposes by eSchools. At a time when a school ceases to use our services the content is removed within a 14 day period as detailed in our agreement with the school.
- 2.8 Some of our services require the school to provide access to information they require for use with those services. For example a school using our communication tool, Letters Home, which enables schools to contact parents by email regarding important school information. In this situation a school will provide eSchools with access to the email address(es) they wish to send their communication to. Schools have granular access to ensure only the required data is shared and accessed by eSchools. The data is frequently updated to ensure that eSchools only retains up-to-date data.
- 2.1 We may process or temporarily store the following kinds of personal information:
- 3. Using your personal information
- 3.1. We may use your personal information to:
- administer our services
- enable your use of our services
- troubleshoot and problem solve
- send you email notifications that you have specifically requested. You can manage your preferences at anytime through your eSchools dashboard.
- keep our services secure, safeguard against improper use of our services and prevent fraud.
- 3.1.1. For the purposes of providing you access to your eSchools platform and app (ie. forgotten password/login)
- 3.1.2. By registering for updates, School Staff/Governors are able to subscribe to our regular communications.
- 3.1.3. We will use any contact details supplied in an online form for the purposes explicitly detailed in said form. For example troubleshooting and problem solving or the provision of live online training as explicitly requested by you, the user.
- 3.2. We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party's direct marketing.
- 3.3. eSchools understands our obligation to be mindful about the data we process and only process data that is required to fulfil our obligations in providing our services; to a school who enters into an agreement to use our services and you, the user.
- 3.4. We will not pass your information to third parties; except for the purpose of fulfilling our services to a school who enters into an agreement to use our services and you, the user or where we are required to do so by law.
- 3.1. We may use your personal information to:
- 4. Disclosing personal information
- 4.1 We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this policy.
- 4.2 We may disclose your personal information:
- to the extent that we are required to do so by law;
- in connection with any ongoing or prospective legal proceedings;
- in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);
- to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information;
- to the school in the case of improper use on the platform by individuals
- 4.3 Except as provided in this policy, we will not provide your personal information to third parties.
- 5. International data transfers
- 5.1. Data directly collected by eSchools may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this policy. Any third party we use is within the EEA or they hold an existing EU SCC, as in line with requirements under the GDPR. No other third party are permitted to access the school's data.
- 5.2. Personal information that an individual adds to our websites may be available, via the internet, around the world. We cannot prevent the use or misuse of such information by others.
- 6. Retaining personal information
- 6.1. This section sets out our data retention policies and procedures, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal information.
- 6.2. Personal information that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.
- 6.3. Data collected through analytic cookies will be retained for 26 months. Individual visitors can adapt the data collected through cookie preferences, as mentioned in 2.4.
- 6.4. Notwithstanding the other provisions of this Section 6, we will retain documents (including electronic documents) containing personal data:
- To the extent that we are required to do so by law;
- If we believe that the documents may be relevant to any ongoing or prospective legal proceedings; and
- In order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk). Data will no longer be kept after the termination of the contract with the school.
- 7. Security of your personal information
- 7.1. We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
- 7.2. We will store all the personal information you provide on our secure (password- and firewall-protected) servers. The web service we employ has a broad range of accreditations and certifications and the data centres used ensure the data stays within the EEA.
- 7.3. eSchools use a Secure Sockets Layer (SSL) which creates a secure connection and uses two keys to encrypt data in transit. Despite this, you acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data.
- 8. Amendments
- 8.1. We may update this policy from time to time by publishing a new version on our website.
- 8.2. You should check this page regularly to ensure you are aware of any changes to this policy.
- 9. Your rights
- 9.1. You may instruct us to provide you with any personal information we hold about you.
- 9.2. We may withhold personal information that you request to the extent permitted by law.
- 9.3. You may change your cookie preferences at any time as referenced in 2.4.
- 9.4. School Staff/Governors who subscribe to our Newsletter may manage their preferences at any time through their eSchools dashboard.
- 10. Third party websites
- 10.1 Our websites may include hyperlinks to, and details of, third party websites. We have no control over, and are not responsible for, the privacy policies and practices of third parties.
- 11. Updating information
- We will only provide communication about the eSchools platform to school staff/governors who can manage their preferences at any time through their eSchools dashboard.
Part 2: Cookie Policy
Last Edited: 22nd April 2021
- This Cookie Policy explains how eSchools use cookies and similar technologies in our Services. It explains what these technologies are and why we use them, as well as your rights to control their use.
What are cookies?
Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by online service providers in order to (for example) make their websites or services work, or to work more efficiently, as well as to provide reporting information.
Cookies set by the website owner or service provider (in this case, eSchools) are called "first party cookies". Cookies set by parties other than the website owner are called "third party cookies". Third party cookies enable third party features or functionality to be provided on or through the website or service you are using (such as advertising, interactive content and analytics). The third parties that set these third party cookies can recognise your computer both when it visits the website or service in question and also when it visits certain other websites or services.
Why do we use cookies and other tracking technologies?
We use first party and third party cookies for several reasons. Some cookies are required for technical reasons in order for our Services to operate, and we refer to these as "essential" cookies. Other cookies enable us and the third parties we work with to track and target the interests of visitors to our Services, and we refer to these as "advertising" or "analytical" cookies. For example, the embedding of YouTube and Vimeo videos, as added by individual schools, will require "advertising" cookies to be enabled in order to successfully play them. Schools that, for example, opt to track visitor data using Google Analytics will require "analytical" cookies to be enabled in order to do so. These third party cookies are used to tailor content and information that we may send or display to you and otherwise personalise your experience while interacting with our Services and to otherwise improve the functionality of the Services we provide. We also enable schools to employ cookies and similar tracking technologies in connection with their use of our Services in order to allow them to track visitors to and interactions with their school website.
How eSchools Uses Cookies
eSchools websites may request cookies to be set on your device. We use cookies to let us know when you visit our websites, how you interact with us and to enrich your user experience. The cookies differ depending on the information. You can adapt your cookie preferences, although please note that blocking some types of cookies may impact your experience on our websites and the services we are able to offer. We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party's direct marketing.
User Embedded Content
Our Services allows schools to embed code which may potentially contain cookies. Please note embedded content, if displayed on one of our websites, has been added by the school and not by eSchools. The embedded content added by the school may require additional cookies or tracking technologies to be enabled in order to function.
How can I control cookies?
You have the right to decide whether to accept or reject cookies. Be aware that cookie preferences are set on a per device basis; therefore you may need to set your preferences on each device you use.
Initial cookie pop-up banner: You can exercise preferences about what cookies are served on our Websites by selecting your preference from this modal which appears upon visiting an eSchools website/login screen and dashboard. You can also change your cookie preferences by clicking on the link on the footer of any page. The banner will reappear annually (August 31st to coincide with the academic year) to confirm your settings.
Browser Controls: You can set or amend your web browser controls to accept or refuse cookies. If you choose to reject cookies, you may still use our Websites though your access to some functionality and areas of our Websites may be restricted. As the means by which you can refuse cookies through your web browser controls vary from browser-to-browser, you should visit your browser's help menu for more information.
Disabling Most Interest Based Advertising: Most advertising networks offer you a way to opt out of Interest Based Advertising. We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party's direct marketing. If you would like to find out more information, please visit aboutads.info/choices or youronlinechoices.com.
Mobile Advertising: You can opt out of having your mobile advertising identifiers used for certain types of Interest Based Advertising, by accessing the settings on your Apple or Android mobile device and following the most recent published instructions. We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party's direct marketing.
How often will you update this Cookie Statement?
We may update this Cookie Statement from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal or regulatory reasons. Please therefore re-visit this Cookie Statement regularly to stay informed about our use of cookies and related technologies. The date at the bottom of this Cookie Statement indicates when it was last updated.
Where can I get further information?
If you have any questions about our use of cookies or other technologies, please email us at support@.eschools.co.uk.


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After four years working under chef Robert Weland at Penn Quarter's Poste restaurant, Brian McPherson is taking over the kitchens at Jackson 20 and the Grille at Morrison House.
McPherson, a Pittsburgh native, was announced as the new executive chef of both Old Town establishments earlier this month, though he officially took over in January. Expect McPherson's much-anticipated tweaks to the sister restaurants' menus to be publicized in the spring.
A graduate of the Pennsylvania Institute of Culinary Arts, McPherson's experience includes stints in Martha's Vineyard and North Carolina. As Weland's executive sous chef, McPherson was instrumental in managing the kitchen garden, composting and liaising with farmers.
Bringing his experience in sustainability initiatives with him, McPherson also plans to create a small chef's garden in the Jackson 20 courtyard in the coming months.


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Syria has submitted the first details of its chemical arsenal to an international watchdog in the Netherlands that monitors compliance with agreements on such weapons.
The Organization for the Prohibition of Chemical Weapons, or OPCW, says it has received an "initial declaration" from Damascus outlining the extent of the Syrian program — a requirement under a U.S.-Russia deal "to ensure the destruction of the Syrian chemical weapons program (CW) in the soonest and safest manner."
Syria had a Saturday deadline to submit the declaration, which is meant to be a full listing of the chemical weapons it possesses.
Reuters quotes an OPCW spokesman on Friday as saying: "We have received part of the verification and we expect more."
A United Nations diplomat confirmed to Reuters that the paperwork had been submitted, commenting, "It's quite long ... and being translated."
The Associated Press reports that despite Syria's seeming compliance, the OPCW "is looking at ways to speed up efforts to secure and destroy Syria's arsenal of poison gas and nerve agents, as well as its production facilities."
Under the agreement, Syria's chemical weapons arsenal is to be destroyed by mid-2014.
The deal struck last week averted — at least temporarily — a possible U.S. military strike on Syria.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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The Do-Over, an all-new emotional and sexy STANDALONE by Julie A. Richman is now LIVE!!
~ Sometimes, one degree is all that separates you from the one you were meant to be with. ~
We'd been circling one another our entire lives, mingling at the same clubs… attending the same events…sharing mutual acquaintances…yet we'd never actually met.
Until . . . we both boarded a Windjammer Cruise in the Caribbean. And it was like meeting my long, lost best friend for the first time. I hadn't ever connected with a guy that way before.
But Wes had a girlfriend. So, when the week was over, he walked off the ship, unknowingly taking a piece of my heart with him.
Now, over a decade later, newly divorced, I'm the proverbial fish out of water. Dating has totally changed. Apps. Swipe left. Swipe right. Catfishing. Men my age want two things: twenty-five-year-olds—like my ex's new child bride of a wife—or just a quick hook-up.
After a string of bad dates, I finally did something I never thought I'd do. I had a hot one-night stand with a really handsome guy I met online who didn't even know my real name.
Turned out Mr. Fling is a big shot for my company's newest client. And just my
luck, that client's CEO is none other than . . . Wes Bergman.
Now I'm separated by one degree again from the man who stole my heart.
And Mr. Fling could destroy my chance of what I want most –
A Do-Over with Wes.
Read Today!
About the Author
USA Today Bestselling author Julie A. Richman is a native New Yorker living deep in the heart of Texas. A creative writing major in college, reading and writing fiction has always been a passion. Julie began her corporate career in publishing in NYC and writing played a major role throughout her career as she created and wrote marketing, advertising, direct mail and fundraising materials for Fortune 500 corporations, advertising agencies and non-profit organizations. She is an award winning nature photographer plagued with insatiable wanderlust. Julie and her husband have one son and a white German Shepherd named Juneau.
Connect with Julie:
Facebook: https://www.facebook.com/AuthorJulieARichman
Reader Group: https://www.facebook.com/groups/HenrysHangover/?fref=nf
Goodreads: http://tinyurl.com/ore7g3u
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Downloadable and print easily these Free October Calendar 2023 Printable. These printable monthly calendar template features horizontal lines, ample blank space for notes, and federal holidays in United States with page size A4 and available for download with pdf document or image file format (png or jpg).
- Calendar for month: October
- YCalendar for year: 2023
- Calendar Type: Monthly Calendar
- Orientation: Landscape
- Size Paper: A4
- First day of the week: Sunday
- License: Free for personal use
Download Free October Calendar 2023 Printable
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How to Print Your Calendar?
To print this free printable October 2023 calendar, your computer needs to be connected to a printer by cable or wireless.There are some steps to print a calendar:
- Step 1: Open your calendar by Acrobat Reader or Windows Image (depending on your file format is .pdf or .png, jpg, webp image).
- Step 2: When your calendar is ready, select File menu in the top left-hand corner of your document. Then, select Print.
- Step 3: Choose how many copies of your calendar you need and select the printer you wish to use. You will have to have your printer already installed on your computer. See how to install and connect your printer here.
- Step 4: Depending on your printer options, you can choose other printing features such as whether you want to print all pages or only certain pages. You can also change the orientation of the print from portrait to landscape and tell your computer and printer whether you're printing on a certain size of paper. You'll also see, on the right, a preview of your printed document will look like.
- Step 5: When you're ready with your settings, select Print button. Your calendar will now start printing on your printer.


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Sport Shirt SP8013/5
Tiglio Sport Shirts are made from the finest, pure cotton fabrics in the world. All Sport Shirts feature contrast fabric and ribbon details.
Our shirts are made in a modern fit, typically available in sizes S to 5X.
Please check for availability of each item with our customer service representatives.
Article: SP8013/5
Additional info


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The last time we wrote about Bitcoin, in October, the currency's future looked grim. A series of security incidents had created an avalanche of bad press, which in turn undermined public confidence in the currency. Its value fell by more than 90 percent against the dollar.
We thought Bitcoin's value would continue to collapse, but so far that hasn't happened. Instead, after hitting a low of $2, it rose back above $3 in early December, and on Monday it rose above $4 for the first time in two months. It's impossible to predict where the currency will go next, but at a minimum it looks like the currency will still be around in 2012.
This presents a bit of a puzzle for Bitcoin skeptics. The original run-up in prices could easily be explained as a speculative bubble, and the subsequent decline as the popping of that bubble. But if that were the whole story, then the value of Bitcoins should have continued to decline as more and more people lost confidence in the currency. That hasn't been happening.
Of course, the value of Bitcoin could resume falling at any time, but the currency's apparent stability over the last month has inspired us to give it a second look. How can an ephemeral currency without the backing of any large institution be worth $30 million, as the world's Bitcoins currently are? In the short run, a currency's value can be pumped up by a speculative bubble, but in the long run it must be backed up by "fundamentals" — properties that make holding it objectively valuable.
Dollars are valuable because they're the official medium of exchange for the $14 trillion U.S. economy; euros and yen are valuable for similar reasons. Bitcoin boosters have traditionally suggested that Bitcoin is an alternative to these currencies. But we'll suggest an alternative explanation: that Bitcoin is not so much an alternative currency as a "metacurrency" that allows low-cost and regulation-free transfer of wealth between nations. In other words, Bitcoin's major competitors aren't national currencies, but wire-transfer services like Western Union.
Bitcoin is a bad currency
The traditional argument for Bitcoins has positioned the peer-to-peer currency as an alternative to conventional currencies like dollars, euros, and yen. Bitcoin boosters point to two major advantages Bitcoins have over dollars: price stability and lower transaction costs. As we'll see, neither of these advantages is compelling for ordinary consumers.
The argument from stability mirrors the traditional argument for a gold standard. The dollar has lost about 95 percent of its value over the last century. The Bitcoin protocol is designed to never allow more than 21 million Bitcoins to enter circulation, and supporters argue that this guarantees the currency maintains its value over time.
The obvious problem with this argument is that Bitcoins have lost more than 90 percent of their value in five months. It would be pretty foolish for someone worried about the dollar's 3 percent inflation rate to put their life savings into a currency with that kind of volatility.
Bitcoin boosters forget that the value of a currency is determined by supply and demand. Demand for dollars is driven by the size of the U.S. economy, which doesn't change very much from year to year. But the demand for Bitcoins is primarily driven by speculative forces, causing its value to fluctuate wildly.
Another oft-touted benefit of Bitcoin is lower transaction fees. Banks make a tidy profit charging merchants to complete credit- and debit-card transactions, and these fees raise the price consumers pay for goods and services. Fans tout Bitcoin payments as a low-cost alternative to traditional credit card transactions.
But this argument ignores the fact that credit cards provide important benefits in exchange for those transaction fees. If you buy something with a credit card and get ripped off, you can dispute the charge and get your money back. In contrast, Bitcoin transactions are irreversible. If you pay a merchant in Bitcoins and he rips you off, (or someone hacks into your computer and makes a fraudulent payment), you're out of luck.
Of course, third parties may offer Bitcoin-based payment services that offer features such as chargebacks and fraud protection. But such services don't come free; consumers or merchants would have to pay fees to use them. And there's no reason to think Bitcoin-based banking services would be any cheaper than traditional ones in the long run.
Paying with Bitcoins also introduces the inconvenience of fluctuating prices. When people buy things with cash or credit cards, their purchases are denominated in the local currency. Dealing in Bitcoins means customers and businesses must regularly convert between dollars and Bitcoins, and must therefore worry about the fluctuating exchange rate between them. That's a headache few people want.
So Bitcoins are not a compelling alternative to conventional currencies. Although there are a few isolated examples of traditional businesses accepting Bitcoins as payment, these seem to be driven more by the novelty of the concept than by compelling economic or technical advantages.
Bitcoin as a metacurrency
While Bitcoin isn't a very good currency, it has the potential to serve as a "metacurrency": a medium of exchange among the world's currencies. In this role, it has the potential to be a powerful competitor to wire transfer services like Western Union.
The longer Bitcoins continue to exist, the more confidence people will have in its continued existence.
The wire transfer industry is much less consumer-friendly than the credit card industry. Wire transfer fees can be much higher than credit card fees, and wire-transfer networks offer much less robust fraud protection services than do credit card networks.
Moreover, the flow of funds across national borders is heavily regulated. Governments monitor the flow of funds in an effort to stop a variety of activities they don't like. In the U.S., the focus is on terrorism, tax evasion, gambling, and drug trafficking. (Carrying cash across borders in a suitcase invites similar government scrutiny.)
Bitcoin allows wealth to be transferred across international borders without the expense or government scrutiny that comes with traditional wire transfers. An American immigrant wanting to send cash to his family in India needs only to find someone in the United States to trade his dollars for Bitcoins. He can then transfer the Bitcoins to his relatives in India, who then need to find someone willing to take Bitcoins in exchange for rupees.
This decentralized money-transfer process will be much harder for governments to control than a centralized money-transfer company like Western Union. And that will make the world's governments upset, since the same technology can be used by an American drug dealer to send profits back to his partners in Latin America.
But there may be little governments can do about this. They can attempt to mandate the reporting of Bitcoin transactions, but there's no obvious way to enforce such a regulation, since Bitcoin transactions are easy to obfuscate. At most, governments could prohibit the conversion of funds between local currencies and Bitcoins, but this will merely push the currency underground, not eliminate it altogether.
If Bitcoin's value stabilizes, it will also become a way to store wealth beyond the reach of any government. Cash and gold are bulky, hard to move, and subject to confiscation. In contrast, the encrypted credentials of a Bitcoin wallet can be stored securely on a server anywhere in the world. This could make the currency appealing to anyone wanting to place his wealth beyond the reach of the law — a corrupt government official wanting to hide ill-gotten gains, a political dissident who fears his life savings will be taken, or an ordinary citizen worried about the solvency of traditional banks.
Bitcoin's role as a way to move and store wealth does not depend on Bitcoins being widely used for commerce. For Bitcoin to work as a viable "metacurrency" only requires that there be a liquid market between Bitcoins and national currencies. Such a market already exists for several major currencies.
Chicken and egg
Of course, there's a circularity to this argument. Bitcoin's value as a way to move and store wealth depends on the value of Bitcoins being relatively stable against conventional currencies. And the continued value of Bitcoins depends on people finding nonspeculative uses for it. But if the currency continues to retain its value in the coming months (a big if, admittedly) this would be a sign that the chicken-and-egg problem has been solved. And the longer Bitcoins continue to exist, the more confidence people will have in its continued existence.
Western Union moved $70 billion across borders in 2010, earning about $1 billion in profits. There's no Bitcoin Inc. to compete directly with Western Union, but the owners of Bitcoins can be thought of as shareholders in a decentralized Western Union alternative. If the Bitcoin network captures a small fraction of Western Union's money-transfer business, the currency's current "market capitalization" of around $30 million could wind up looking downright puny.
Photo: ZCopley/Flickr, Graph via bitcoincharts.com


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(Direct link to animated gif) This way of painting involves doing a careful pencil drawing on illustration board, sealing it with acrylic matte medium, laying in transparent color, and then proceeding to the finished rendering, area by area, beginning with the center of interest.
EDIT: to answer Tom's suggestion, I've made the animation a lot slower. And Ben, I have added above the preliminary pencil thumbnail showing how I worked out the basic tonal design before getting models and shooting reference. In this case I didn't do a full charcoal preliminary, just this quick (but very helpful) tonal study.
The original painting "Old Conductor" is currently on exhibit at NHIA in Manchester, New Hampshire through March 13.
Thanks to Stapleton Kearns and Lines and Colors for reviewing that exhibit.
Journey to Chandara signed from my web store and from Amazon
More about technique in my book Imaginative Realism .


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Mercury Glossy Ceramic Tile
Choose Color & Finish
Choose Size or Shape
What we love
- Hand made style
- Low absorption rate
- Versatile for most residential applications
- Ideal for all interior wall applications
- Durability
- Water Resistance
- Stain resistance
- Wide range of styles, colors, decos
- Longevity
Please Consider
- All interior walls
- Light residential floors ( may be subject to chipping if heavy objects are dropped )
- Professional installation
- Tile layout, planning it carefully
- Substrate preparation
Renovating your home is easier than ever with Mercury Glossy Ceramic Tile. From bathrooms to kitchens, you can make any location look perfect.
You can install ceramic tiles anywhere in your house, be it the interiors or exteriors. They are perfect for kitchens and bathrooms because they provide a durable surface that is easy to clean. But don't forget about foyers, mudrooms, living rooms and bedrooms! Ceramic tiles will make those spaces look even more beautiful without breaking your bank account's budget These tiles are not just durable, but also dust resistant. The surface is so hard that it makes the cleaning process easier because you can wipe off any remaining dirt with a mop or cloth easily and quickly! This means less breathing problems for those who spend their days on these floors - reducing asthma attacks significantly.
The Gray Ceramic is an elegant choice for any space. It will accentuate the beauty of your tiles while adding character to your design scheme.
For a modern and stylish look, there are many options from floor to wall tiles with matching mosaics that give your home the perfect finishing touch. The size of this product 4x4x5/8. You can use the site search to find a different size of this product - we've got it all!
Product Specifications
Ceramic tile is a fired clay product. They may be glazed or unglazed, depending on the desired design concept and particular usage. Glazed ceramic tiles and many unglazed ceramic tiles are generally moisture resistant and therefore are suited for floor and wall spaces such as general living areas, bathrooms, kitchens, and so forth. Ceramic tile is relatively easy to keep clean, as they can tolerate many different common household cleaning products. Typically, ceramic tile does not absorb fumes, odors, or smoke. Because color may be fired into a tile's clay body (in the case of unglazed tiles) or onto a tile's glazed surface (for glazed tiles), ceramic tile will not usually lose color or fade when exposed to UV rays in sunlit conditions. Although many tiles have little to no variation, color can vary from tile to tile to differing degrees. This is an inherent and desired characteristic of all fired clay products. Therefore, all tile should be unpacked and inspected prior to installation, as Country Floors cannot accept claims for variation in any tile after installation.
- Unglazed ceramic tile is typically more porous and will potentially absorb liquids and stains. It needs to be sealed to protect the surface from liquids. Staining can be prevented to some extent by sealing with a quality chemical ceramic tile sealer and will need to be sealed periodically in order to continue to be free from stains.
- The grout placed in between ceramic tiles is susceptible to moisture, so it will need to be sealed to make it impervious to water. Otherwise, water can seep through the grout, which weakens the installation and encourages mold growth.
- Unglazed ceramic tiles have greater slip resistance than glazed tiles. Because they can be slippery, glossy tiles are not generally recommended for high traffic areas or for residential sites with children and elderly people.
- Ceramic tile is durable but may be subject to chipping in environments with aggressive use.
- Check the technical specifications assigned a particular tile product.
Get the most out of your Country Floors product by following these helpful instructions for installing floor tile. A Few Dos & Don'ts
- Tile may be installed over most structurally sound substrates if they are clean, smooth, dry and free of wax, soap scum and grease and other debris.
- Carefully read and follow all instructions and precautions on the adhesive or mortar package. Mix only enough to be used within 30 minutes.
- Since variation of shades is an inherent characteristic of ceramic tile, mix tiles from several cartons as you set, for a blended effect.
- Order extra material for cuts, spare tiles, and waste.
- If material is face taped, remove tape after installation.
- Be sure to calculate exact tile needed for your surface before installation.
- If you are short of material do not start installation until you have all the tile that blends. Additional shipments may not match the tile from previous shipment.
- If you do order additional tile for an older job be sure to match color lots before installation.
Tile may be installed over most structurally sound substrates, if they are clean, smooth, dry and free of wax, soap scum and grease. Any damaged, loose or uneven areas must be repaired, patched and leveled. Remove any moldings, trim, appliances, etc., which could interfere with installation. Door jambs may be undercut for tile to slip under. We recommend waterproofing most floors to prevent surface seeping.
Begin by marking the center point of all four walls. Snap chalk lines between the center points of opposite walls, which will intersect at the center of room. Make sure they›re perfectly square, and adjust if necessary. Next, lay out a row of loose tiles along the center lines in both directions, leaving spaces for uniform joints (use tile spacers). If this layout leaves cuts smaller than 1/2 tile at walls, adjust the center line by snapping a new line 1/2 tile closer to the wall. Repeat along other center line if necessary. Now divide the room into smaller grids (approx. 2' x 3') by snapping additional lines parallel to center lines.
Select the right adhesive for the substrate you're using. Carefully read and follow all instructions and precautions on the adhesive or mortar package. Mix only enough to be used within 30 minutes. Using the type of trowel recommended on the adhesive package spread a 1/4" coat on the surface of one grid area, using the flat side of the trowel. Do not cover guidelines. Next, use the notched side of trowel to comb adhesive into standing ridges by holding trowel at a 45-degree angle. Then remove excess adhesive, leaving a uniform, ridged setting bed. Don't spread a larger area than can be set in 15 minutes.
We recommend using white good quality thin set such as Mapei, Laticrete, or Ardex.
Some black marbles, white marbles, dolomites, and green marbles may have to be installed with Moisture sensitive thin set. Please check with the manufacturer.
Carefully measure tiles to be cut and mark with a pencil or felt-tip pen. Make straight or diagonal cuts with a tile cutter, curved cuts with a nipper (chipping away small pieces for best results) and full-length curved cuts with a rod saw. Sharp-cut edges may be smoothed with a carborundum stone.
Variation of shades is an inherent characteristic of marble, stone and ceramic tile – mix tiles from several cartons as you set, for a blended effect. Begin installing tiles in the center of the room, one grid at a time. Finish each grid before moving to the next. Start with the first tile in the corner of the grid and work outward. Set tiles one at a time using a slight twisting motion. Don't slide tiles into place. Insert tile spacers as each tile is set, or leave equal joints between tiles. Fit perimeter tiles in each grid last, leaving 1/4" gap between tile and wall. Any rectangle porcelain should never be set in a running bond pattern, rather no more than a 1/3 overlap; the joint should be widened to 3/16" and use of a large unit porcelain mortar should be employed. When grid is completely installed, tap in all tiles with a rubber mallet or hammer and wood block to ensure a good bond and level plane. Remove excess adhesive from joints with a putty knife and from tile with a damp sponge. Do not walk on tiles until they are set (usually in 24 hours).
Generally, you should wait about 24 hours before grouting (refer to the adhesive package for specifics). Carefully read and follow all instructions and precautions on the grout package. Make only enough to use in about 30 minutes. Remove tile spacers and spread grout on the tile surface, forcing down into joints with a rubber grout float or squeegee. Tilt the float at a 45-degree angle. Remove excess grout from surface immediately with the edge of float. Tilt it at a 90-degree angle and scrape it diagonally across tiles. Wait 15-20 minutes for grout to set slightly, then use a damp sponge to clean grout residue from surface and smooth the grout joints. Rinse sponge frequently and change water as needed. Let dry until grout is hard and haze forms on tile surface, then polish with a soft cloth. Rinse again with sponge and clean water if necessary. Wait 72 hours for heavy use. Don't apply sealers or polishes for three weeks, and then only in accordance with manufacturer's recommendations.
For travertine tiles, materials with holes, aqua forte etc. use a grout release before grouting. You can also a sealer before grouting. This will help you clean the grout easier.


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Records of the Counselor to the President, Matthew F. McHugh
- Subsubfonds
- 1993 - 1995
Matthew F. McHugh joined the President's office staff in May 1993. His files reflect a strong interest in and responsibility for external affairs, in particular the Bank's relationship with the U.S. Government and the 50th anniversary celebration of the World Bank. These records are useful for insight into the liaison activities of the President's office because similar records do not exist in the President's own files.
McHugh also served as Counselor to the President during James Wolfensohn's first term as President. McHugh continued to use and add items to some of his files from the Preston period, particularly the country files. Those McHugh files are among the records of the Wolfensohn Presidency, and they should be consulted for further information on the Preston years.
Office of the President -- Lewis T. Preston -- Matthew F. McHugh (Counselor to the President)


text: Stores Dealer Profile ``` THE HOME DEPOT Shaw believes in its people, products and mission. Purchasing flooring can be daunting, but we're committed to making easier for you every step of the way. Shaw creates a better future – for our customers, our people, our company and our communities. This attention to detail and extreme focus can be found in our beautiful, innovative products. View all stores


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General David Petraeus announced today that he has resigned as head of the CIA, citing an extramarital affair.
The idea of a senior figure in Washington resigning because of infidelity seems quaint in the post-Clinton era of David Vitter and other still-active public servants who've put scandals behind them. Attention will quickly turn to Petraeus' struggles to establish himself at the agency, the traditional ill will between the CIA and the uniformed military and, of course, Petraeus' handling of the Benghazi attack.
But the real reason Petraeus was done in by something so easily shrugged off by others in Washington is much simpler than that. In the world of spies, there is a short list of weaknesses you can exploit in your opponents; they include ideology, greed, indebtedness and infidelity. People have spent centuries figuring out how to get people to commit treason. Arguing that the other side is better for humanity, offering to help someone who's deeply in debt or paying hard cash to the greedy are classic methods. But few are more effective than blackmail, and even in the post-Lewinsky era in Washington, infidelity leaves officials vulnerable.
You can't lead an organization whose case officers must be impervious to blackmail if you're vulnerable to it yourself.
Here's Petraeus' statement:
HEADQUARTERS Central Intelligence Agency
9 November 2012
Yesterday afternoon, I went to the White House and asked the President to be allowed, for personal reasons, to resign from my position as D/CIA. After being married for over 37 years, I showed extremely poor judgment by engaging in an extramarital affair. Such behavior is unacceptable, both as a husband and as the leader of an organization such as ours. This afternoon, the President graciously accepted my resignation.As I depart Langley, I want you to know that it has been the greatest of privileges to have served with you, the officers of our Nation's Silent Service, a work force that is truly exceptional in every regard. Indeed, you did extraordinary work on a host of critical missions during my time as director, and I am deeply grateful to you for that.
Teddy Roosevelt once observed that life's greatest gift is the opportunity to work hard at work worth doing. I will always treasure my opportunity to have done that with you and I will always regret the circumstances that brought that work with you to an end.
Thank you for your extraordinary service to our country, and best wishes for continued success in the important endeavors that lie ahead for our country and our Agency.With admiration and appreciation,
David H. Petraeus


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Get it today with payments as low as $xxx with:
- Same day dispatch for orders placed before 3pm
- 100% Secure Online Transactions
- $9.95 Domestic Flat Rate Shipping
- Dedicated customer support
The Cafetto MLC is an alkaline Milk Line Cleaner, designed for milk lines and milk steamers on automatic espresso machines.
- High performance
- Kills 99.99% of E-coli, Salmonella, Listeria, and Enteroccus when used in accordance with the instructions.
- Non-corrosive formulation to protect the machine.
- Recommended for removal of low fat milk and mild descaling for areas where the water supply is soft.
- No residue or taste after rinsing.
How to use Milk Lines:
1. Add 50ml of MLC to 1 x litre of clean water.
2. Run the solution through the milk lines.
3. Run 2 x more litres of clean water through the milk lines to rinse.
How to use Steam Wand:
1. Add 50ml MLC to 500ml jug of clean water.
2. Place the steam wand in the jug and leave for half an hour.
3. Empty jug and fill with 500ml of clean water.
4. Place steam wand in the jug and turn on the steam wand.
5. Rinse for 1 minute.
* Rural and remote areas may attract longer shipping times but we make every effort to ensure we provide the fastest delivery times possible.
* Please note bulky/heavy orders to rural, remote & offshore areas may attract additional delivery fees.
Orders placed before 3pm AEST each day will be dispatched on the same day, Monday to Friday, excluding public holidays and weekends.
Delivery times above are estimates only. Delivery times apply from the date of dispatch, not the date orders are received and refer to business days not calendar days. We make every attempt to ensure all deliveries arrive within the estimated time frames above however sometimes events occur that are out of our control. If your order is more than 2 business days late based on the above guidelines please contact us and provide your name, order number and date of order.
International Shipping Terms and Conditions – Customs & Duty Charges
International orders may be subject to local charges. Any customs or import duties and associated fees are charged once the parcel reaches its destination country. These charges must be paid by the recipient of the parcel. We have no control over these charges and cannot predict what they may be. Alternative Brewing cannot be held responsible for any additional charges on your order, nor can we accept a return of the order in this case. Customs policies vary widely from country to country, so please contact your local customs office for further information. If you refuse to pay these charges your parcel may be abandoned, and Alternative Brewing will not be held responsible for any loss of funds as a result of this occurrence. We cannot mark International orders as a gift in order to bypass or reduce any customs fees.
Authority to Leave Terms and Conditions
By ticking the Authority to Leave box at the checkout page on the website when placing an order, Alternative Brewing's agent/delivery partner will leave your parcel at your unattended premises in accordance with your instructions.
By providing Authority to Leave you agree that the parcel is deemed to have been received when left at your premises.
Alternative Brewing, and its agents/delivery partners associated with the delivery of your parcel, do not accept responsibility for any loss or damage that may result from you providing Authority to Leave for your delivery. You agree to release Alternative Brewing from and against any and all claims, demands, liabilities, losses, costs and expenses, including financial and other consequential losses, made, suffered or incurred by you or any other person or entity as a result of your election to choose Authority to Leave for your delivery.
If you do not provide Alternative Brewing Authority to Leave for your delivery, you will have to be at your premises in order for the delivery to occur.
Freight Protection
We strive to ensure that your delivery arrives safely to you, but we understand that sometimes accidents happen outside of our control.
By selecting Alternative Brewing's Freight Protection you will receive a priority customer support and priority replacement of your product if it arrives damaged. You will be able to add this option to your order in checkout.
What does Freight Protection offer?
1 - Priority Customer Service – as soon as you contact our team to submit your Freight Protection claim, you will be placed into a priority queue to ensure your claim is processed as quickly as possible.
2 - Advanced Shipping – to minimise downtime without your product, once we have assessed your claim we will ship a replacement to you before we have received the damaged goods back.
Making a Freight Protection Claim
- To assess your claim, you will be required to provide photo and/or video evidence of the damaged product.
- All Freight Protections claims must be made within 3 business days of receiving your product.
- Freight Protection does not apply to damaged packaging and only applies to the product itself.


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Product Details
- Cover Type:
- 24 Pages
- Publisher: New Growth Press
- Publication Date: August 2024
Grieving with Hope: Walking with Jesus in Heartbreak
Endorsements (${ productEndorsements.length })
"New Growth Press minibooks are my number one go-to in my counseling ministry with soldiers as an Army chaplain. I keep a display of a couple dozen outside my office, which are widely read by soldiers. On a daily basis, the practical topics meet service members right where they're at. Most soldiers will read counsel from a biblical perspective if it addresses their current struggles, which these minibooks do so well. NGP minibooks address the struggles well and provide gospel answers and hope! Thank you for making them available!"
CH (CPT) Brent Sadler
Chaplain, US Army
"New Growth Press minibooks are a solidly biblical and practical ministry tool enabling you to give biblical counsel in a readable format to people in a variety of settings and can extend your ability to biblically counsel in places and people you cannot go or reach otherwise. I really appreciate how in about thirty pages they confront the problem and give biblical solutions and practical strategies for change. Also, having them available in easy-to-see wall racks within easy reach of our traffic makes them very easy to utilize. I highly recommend these excellent resources in helping people find biblical answers to their life problems, enabling them to find and grow to be like Christ."
Daniel Hartwig
Pastor, Calvary Baptist Church, Dysart, IA
"Our church has been using the minibooks by New Growth Press for many years, and we have almost every title produced. In our church's counseling ministry, the clear, concise, and gospel-centered message of these minibooks has proven to be a useful tool for our counselors to help to bring about true heart change with their counselees. We also have them prominently displayed in our lobby for our church family to pick up and take with them at any time. One of the most attractive aspects of these minibooks is that they are ideal for people who don't want to take the time to read an entire book but still want to get practical and sound biblical guidance on a particular area of struggle. We also find these resources particularly helpful for those who may be reluctant to ask for help on a topic that may be of a sensitive nature. We are grateful for these minibooks and how God is using them in the lives of so many in our church family."
Kris Hemphill
SoulCare Supervisor
"We have been offering New Growth Press minibooks in our retail store for just over a year. So far, the response has been very positive, and it is now a vital part of our BaaM (Business as a Ministry) strategy. Now, more than ever, people need biblical truth as a resource to successfully overcome life's many challenges."
John Kim
Beauty World, Winston-Salem, NC
"For three years, our church has been blessed by New Growth Press minibooks. We have them displayed right in our front lobby and they have been a great resource for church members as they seek information about a variety of topics. They have also been great for the ministry staff to see what people are dealing with. In a world full of counseling needs, New Growth Press minibooks are a great resource to have available at your church. Thank you to this ministry for your faithful service to the church!"
Zach McCraw
Director of Student and Family Ministries, South Elm St. Baptist Church, Greensboro, NC
"The New Growth Press minibooks have been a great asset to our biblical counseling ministry, as well as a great resource for many others in the church."
Paul A. Walberg
Coordinator, Emmanuel Biblical Counseling Ministry, Toledo, OH
"We regularly encounter many people who are hurting. They are from many different backgrounds, experiencing an array of challenges. Truly our churches today have the opportunity to make a difference in our world by choosing to be hospitals for sinners instead of museums for saints. This is why I have gladly chosen to utilize the New Growth Press minibooks. They address real-life issues, helping people who are struggling to navigate their difficulties and find a full and meaningful life. These minibooks are substantive, practical and concise. I have used them for years and will continue to use them to minister to real-life needs. I do not hesitate to recommend them to anyone looking for help in ministering to others or to someone seeking answers to the difficult issues we encounter on life's journey."
Sam LoBello
Director of Adult Ministries, Live Oak Church, Watson, Louisiana
Product Description
About The Author
Product Details
- Cover Type:
- 24 Pages
- Publisher: New Growth Press
- Publication Date: August 2024


text:
49s Teatime
Uk49s Teatime Results: Tuesday 26 September 2023
Hi, Users we are here with Uk49s Teatime Results For Tuesday, 26 September 2023 and we are active to update you about all activities about the Uk49s Teatime results.
As such, the UK49s Teatime results are as follows:
Uk 49s Teatime Result Today.
26, 27, 33, 36, 44, 47 Booster: 35
Hot and Cold Balls For the Year
According to 49s Ltd Official, the most commonly drawn winning numbers, or hot and cold balls per the UK49S results over the years, largely remain the same.
Hot Balls are: 38,39,41 and
Cold Balls are 49,23,7 – with 17 bubblings under.
The least drawn number is 12, which has been drawn 2174 times.
Hot and Cold Balls for the past month.
Meanwhile, the hot balls for the past four weeks are 14,42,12- which have been drawn 15, 13, and 12 times, respectively. And the Cold balls for the last 4 weeks are 30,18,38.
Good Combination of UK 49s Teatime Winning Numbers
So, here I'm going to share my own trick that I use to play. Don't think about luck don't depend on the number generator, just focus on your own game. Just pick up a good combination of numbers that are often neglected by other people.
Finally, we hope this information about the UK Teatime results in today is very helpful for you. If you want to boost your chance of winning then buy a lottery ticket and jump into the upcoming results.