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Below is a template for a records management policy. To use it for your organization, you need to fully understand the rules and laws that apply to your organization and modify the sample text accordingly. For example, the retention periods listed might not comply with the regulations your organization is subject to.
If your organization has multiple records policies (e.g., finance, manufacturing, HR), it is useful to have a core records policy that defines the overall corporate responsibilities and includes an index delineating the individual records policies. In that situation, the individual policies would reference the corporate records policy and include only the sections relevant to the scope of the individual policy. This sample records management policy is designed for financial records, but it includes all components for other types of policies. Financial records were chosen for this example because they are a type of record that all organizations must manage.
This section is a collection of the key information for the records policy. You should structure it so readers can readily identify all relevant information.
Choose a name for the policy that clearly identifies its scope, especially if your organizations has multiple policies.
RM1: Corporate Financial Records Policy
Specify the version of the policy. Clearly indicate if this is a draft version that is still under review.
|Approved By (Name, Role)
Provide the name and official role or title of the person who provided the final approval. Typically this is be the CEO, the General Counsel or the person with ultimate responsibility for records policies.
Jean Rooney, General Counsel
|Approval Date
List the date the approver gave the final approval.
December 14, 2018
|Effective Date
List this is the date that the policy is to take effect.
January 1, 2019
|Expiration Date
List is the date that the policy expires. This is typically filled in only after the version has been approved. This field is optional.
In this section, you should outline the purpose of the policy and detail the business drivers for creating it. Detail any specific rules and regulations your organization is meeting by implementing this policy and any additional considerations.
The purpose of this policy is to provide guidance and direction on the creation and management of information and records and to clarify staff responsibilities. The records management program is intended to maintain, protect, retain and dispose of records in accordance with operational needs; federal, state, and local government regulations; fiscal and legal requirements; historical value; and business reference purposes.
For internal operational needs, all financial records need to be retained for the purpose of performing financial analysis of the company over time. As such, all financial records should be retained for a minimum of five years.
For historical purposes, all public quarterly and annual financial reports should be retained as permanent records.
The relevant federal regulatory requirements come from the SEC and the IRS. The Sarbanes-Oxley Act of 2002 requires that all financial reviews and audit material be retained for five years. The IRS states that all financial records need to be retained for up to seven years depending upon the filing conditions. There are no additional requirements from state or local authorities.
Regulatory links [link to both internal and external references by name and when possible, a direct link]
Specify who and what aspects of the organization's business and business transactions the records policy covers. Indicate the business applications and systems the policy covers (email, electronic records, etc.). Indicate if the policy covers the entire organization, a specific division or defined geographic area.
This policy applies to all finance staff across the entire organization. It specifically covers all aspects of the organization's financial business and all financial information created or received. It covers information and records stored in all formats, including:
The policy also covers all applications used to create, manage or store financial information and records, including the official records management systems, email, websites, social media applications, databases and financial management systems.
This outlines the records covered by the records policy and their retention schedule, defining how they are to be managed, made available and eventually disposed of. There can be several categories defined to correlate to different rules and regulations. It is recommended to group documents into a smaller number of "big bucket" categories to simplify the implementation of the records policy.
[This is the specific category of records that apply to this record. Note the continuation of the numbering scheme from the policy name.]
|RM1-1, Tax Returns
|All tax returns filed at the federal, state or local level
|Retention Period
[Note the phased retention periods. This is optional and not all electronic management systems may support this behavior.]
[This is what happens at the end of the retention period. All records are, by default, read-only and cannot be deleted.]
|Protection Level
[Outline any specific restrictions to the content once it is declared as a record.]
All edit, delete and versioning rights are removed. The system will purge all previous versions and only the final version is retained as a record.
[Specify approval authority for exceptions and final disposition here. People should be listed by roles as defined in the next section of the policy. If a record is particularly sensitive, additional approvals may be defined.]
Exceptions must be approved by the CEO, Executive Owner, and Policy Owner.
|RM1-2, Financial Audit Records
|All financial audit documents, spreadsheets, presentations, and correspondence
|Retention Period
|Protection Level
|All edit, delete, and versioning rights removed. All major versions are retained as a record.
Final disposition must be approved by the Policy Owner.
Exceptions must be approved by the Executive Owner and Policy Owner.
[For some records policies, a generic retention should be specified for all documents that are in the scope of the records policy but that do not fall into a specific category, as shown below.]
|RM1-X, Other Financial Records
|All financial audit documents, spreadsheets, presentations, and correspondence not specifically covered in other categories
|Retention Period
|Protection Level
|All edit, delete, and versioning rights removed. All major versions are retained as a record.
Final disposition must be approved by the Policy Owner.
Exceptions must be approved by the Policy Owner.
This section lists the roles and responsibilities for the policy. Some roles and responsibilities, such as the Executive Owner, may be the same in multiple records policies.
Executive Owner
This needs to be a role that is a member of the executive leadership team. While records management occurs across an entire organization, a single person needs to take responsibility. Ideally this person answers directly to the CEO.
This example lists the General Counsel, but many organizations do not have a full-time senior legal staff. Alternatives include the Chief Finance Officer (CFO), Chief Operations Officer (COO) or Chief Information Officer (CIO). However, note that in many organizations, the CIO does not report directly to the CEO or serve more as a Chief Technology Officer (CTO) and therefore might not fully understand the business side of the information they manage.
Assigned to: General Counsel
Policy Owner
This role is the business owner of the domain of the business documents. This is the senior person who directly uses the records covered by the policy. In the case of a single records policy for the entire organization, this may be the COO or the same person as the Executive Owner.
Assigned to: CFO
Records Manager
This may be the same person as the policy owner, someone on the policy owner's staff or a dedicated position within the organization. It depends on the volume of both paper and electronic records as well as the level of automation implemented within the organization.
Assigned to: Finance Records Manager
Technology Support
This is typically the owner of the IT organization that supports the Policy Owner. The scope of this role will depend highly upon the maturity of the electronic records management program.
Assigned to: CIO
Record Creators and Users
If possible, declaration and categorization of records should be fully automated. This is easier with documents that are process-centric or that can be broadly categorized, e.g., financial documents. The goal is to remove the burden, real or perceived, of records management from the average employee.
Assigned to: Finance Staff
If you have multiple policies, it is best to simply provide a link to an external resource with the definitions, so they are consistent for all policies and you don't have to update every policy when you modify a definition.
Disposition: The action taken on a record at the end of a retention period.
Record: A document or other piece of information that has been declared a record and placed under retention.
Record declaration: The process of taking a document or other piece of information, either paper or electronic, and placing it under records retention. The document is considered a record after this process is complete.
Retention: The process of protecting and managing a record.
Retention period: The duration for which a record is retained.
Retention schedule: The detailed policy outlining how long a record is kept and what happens to it through its lifecyle.
Version: An iteration of a document. A document can have a major version (1.0, 2.0, 3.0, etc.) and minor versions (1.1, 1.2, 1.3, etc.).


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山东群英会选号技巧Southwest China's Tibet Autonomous Region has registered 128,000 movable cultural relics on the national survey platform, local authorities said.
The survey has promoted the standardization of the registration of cultural relics, providing a scientific basis for the in-depth construction, protection and utilization of cultural relics archives, according to the region's information office on Monday.
Tibet is one of the key provinces and regions in China for movable cultural relics。 The region's survey of movable cultural relics covers precious religious articles, works of art, crafts of all ages in Tibet's history before 1965。 Important documents, manuscripts and books of various times in history are also included。
Tibet plans to set up a general catalog and database of the cultural relics from 1,305 state-owned cultural relics units including the Potala Palace, Norbulingka and Jokhang Temple.
An ethnic Tibetan born and raised in Switzerland has come to Shangri-La to research and deve...

subset: commoncrawl


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One of the things I learned when I was a child was that whenever my abuser came to me I didn't have much of a voice or vocabulary like "no" or "stop it." I just felt like I had to give up and give in because I didn't have any power. In my mind my feelings didn't matter. I was invisible.
Month: February 2016
The Truth Is Not Delicate #2 – Yelling
In the series called The Truth Is Not Delicate I describe a list of unhealthy thoughts and/or behaviors about what I may have taught my daughters as they grew up in a home with a young mom (me) involved in an abusive marriage and who was just discovering that she was sexually abused as a child.
The Truth Is Not Delicate #1 – Silent
Something that has become very important to me is my level of awareness. Lately, the area I would like to have more awareness revolves around how my past has affected me and as a consequence has influenced those around me.
Be a Friend to Yourself
Recently I heard a beautiful song about being kind to yourself. We give away what we have to give. If we have love for ourselves, we have love to give away. If we are kind to ourselves, we have kindness to give away.


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Summary: Stop me if you've heard this one. Two blondes walk into a bar…
Dark Future Date: August 4, 2009
Dead and Gone
S*Y*N Club
New York never sleeps, even when it's broken. And S*Y*N never closes. Ever. It's open 24/7. So, it should be no surprise that now, several hours before prime bar and club hour, it's still a hotspot. Mind you, it'll get more crowded the later it gets; now, most of the patrons hit up the bar and casino zone, more than the dancefloor. The electronica drifting over from the dancefloor is at a minimum; classic rock fills the air, and the performers on the catwalks make damn good use of it.
There's a buzz in the air this evening. Certain people, located here and there around S*Y*N — Syndicate members — are on edge. Their nervousness extends like a net, reeling everyone in. Rumour is, the boss is not happy. That's no surprise, but when a random Syndicate businessman winds up dead in his own office— okay, that shouldn't be surprising either. The point is, there's rumour of an intruder, but no one knows anything. They're just waiting for something to snap. It's probably going to be someone's neck.
It's not really falling off the wagon if you're actually using it as a platform from which to jump far beyond, is it? Kate certainly doesn't think so. The plan of attack for tonight is to act more of a scene queen than a socialite. That is, she plans to get liquored up and dance until she's forgotten why she decided to come to this club. She knows what this club is a front for, sure, but Kate's never been one to shy away from danger. And, really, where else is open at this hour?
Kate keeps her head held high as she makes her way through the club to the bar. It isn't crowded, but she still wants to look the part of someone who doesn't want to be messed with. Perhaps the fact that she isn't hiding her horrifically scarred left arm is proof that someone once trifled with her - and she's not afraid to show off her battle scars. At least, that's the effect she's hoping to achieve by leaving her arm bare. She hesitates at the bar. What does she even want to drink? "I need a Purple Rain over here." Long Island Iced Tea? Make way for your more alcoholic cousin. She leans against the bar and curiously turns her attention toward the women on stage.
Rampage. Rampage is a good word, isn't it? It's very expressive. Jessica is feeling that word acutely today. Shoving some poor slob aside and nearly sending him over the railing at the top of the stairs - black, winding and metal - she descends, in a hurry. Smart black boots hit the steps with a clanging cadence.
She's dressed entirely in black: trim pants and a shirt that mildly resembles a corset with straps, although there's a fitted suit jacket overtop. The woman's lengthy blonde hair is hauled back into a tight ponytail today, which only seems to increase the severity of her expression as she stalks through the club toward the bar. She all but slams into it a few empty seats down from Kate, her palms instantly flattening on its surface with a *smack*. "Have you seen the k— " Suddenly, her attention is caught by Kate. Her expression doesn't change. It's already a dark glare. "…kid." She finishes her demanding words to the bartender without averting her gaze from the other woman. I know you.
"Oh crap." Kate's eyes fix on Jessica - and she knows that's Jessica. She takes in a deep breath and then forces a smile. "Good evening, Miss Sanders." Oh, crap. "You look like you're having a rough day. Would you care to join me for a drink?" That… maybe wasn't the best course of action, but it's the one she takes anyway.
"Detective," Jessica counters. Her severe expression doesn't become any more severe; the smirk that draws up her lips only adds a little dose of wickedness to it. "Or should I say, Mrs. Petrelli." The correction is a mockery. Rather than reply to Kate's lovely offer straight away, she looks past the woman and at the booths, the tables, the corners. Searching, searching. There's a subtle sheen of sweat over the blonde's skin, a pallor to her otherwise faintly tanned complexion. "Hm." Jessica almost laughs. At what, who knows. "Line up some shots of whiskey," she tells the bartender, barely glancing at Kate again.
"Shots. Whiskey. Right." Kate nods once. "Just like the old days. We'll see if I've still got the stones, shall we?" She smiles thinly to Jessica. "I must admit, I honestly didn't think I would run into you here." It just seemed too obvious. "The years have been kind to you, I see." Absently, she rubs at her scarred arm.
Jessica eyes Kate sidelong, critically, noting the scars and every other detail about the woman and maybe the depths of her soul. She has an intense stare, especially so today. Rampage, remember. As she the glasses start to line the bar in front of them, she undoes the singular button of her jacket. It's not generosity or a sharing mood that prevents her from just taking them all for herself, it's the fact that her tab is paid in multimillions. "Yeah, well. You'd be surprised where people end up." She slides the jacket off of her arms with a violent, brusque motion and drops it over the nearest barstool - beside Kate, where she sits. Her top has a low back, barely one at all. It shouldn't be surprising that, in a place like this, it's mostly skin. One of the straps hides her tattoo, however, but it can't hide the bandage seeping with red on the front of her left shoulder. "Everyone comes here. Just a matter of time."
Kate has to admire the top. In her single days, she would have worn something similar. Not so anymore. "But they don't always stay, do they?" Mrs. Petrelli raises her first shot with a brilliant, albeit gap-toothed smile. "Cheers." She tips her head back and down the first shot. Oh, whiskey, how I missed you. She shudders and licks her lips. "That's good stuff. Not that I expected anything less from someone of your stature, Miss Sanders."
One of the shots of whiskey is downed and the glass slammed back on the bar within a few seconds by Jessica's hand. She doesn't flinch. "Cheers," she returns with a notable lack of cheer, but a slight sneer, instead. A glimmer of amusement sparks in her eyes before she looks away from Kate, still watchful of S*Y*N's patrons. "My stature," she repeats with through a chuckle, made even lower and sultrier by the liquor's burn. She twists the second shot glass around on the bar slowly. Suddenly, she's on her feet and standing at Kate's side, looking down at her. "What exactly do you think my stature— " Her eyes narrow. "—is?" Why, Jessica has something to hide. If Kate knows what it is, she's going to start having a rough day, too.
"Tall. Blonde. Important. You've always been important, haven't you, Jessica?" If Kate's unnerved by the killer looming over her, she doesn't show it. She just picks up her second shot. "You've never been one to sit by and let morons take charge. You always manipulate." She peers up casually. "We both like to be subtle. I think it's a… female thing."
Jessica looms, all right. She stares Kate down through the slits of her eyes, rimmed as they are in black. There's distrust in her stare, potentially deadly suspicion. "I don't have to tell you what'll happen to you if you're anything less than subtle."
Kate looks largely unimpressed. Defense mechanisms have kicked in, in full force. "Are you gonna drink or play catchup, Sanders?" The seated blonde brings her second shot to her lips and downs it smoothly. She leans against the bar, but inclines her head just a touch. Message received, loud and clear.
Jessica glares a moment longer just for good measure. "Neither." And yet, she takes a shot and downs it without moving from her spot close to Kate. Then she steps back, the slender ponytail at her back swaying before she sits, this time openly facing the establishment, a hand on her knee. She rolls her bullet-attacked shoulder, and though she doesn't wince, it's uncomfortable. She sets her jaw, looking around, unimpressed herself. She takes a cell phone out of the pocket of the jacket she shunned, calls a number, gets no answer, and proceeds to look even more unimpressed.
"Lost someone, have we?" Kate turns her back to the bar, resting her elbows against it on either side of her as she leans back. "I know how that is. Frustrating." She watches one of the dancers on stage, almost interested. It's the art more than anything else. "Why do you still do that?" She gestures toward the stage. "You can do so much better."
Jessica has excellent social skills when she's trying to get what she wants. Then, it's all a lie. Manipulation, as Kate said. Now is not one of those times. With the phone at her ear again, she doesn't answer a single one of the woman's inquiries. "You ask a lot of questions."
"And you're a boring conversationalist." Kate shrugs. It's just a fact. She glances toward Jessica, and then back out toward the floor. A soft sigh escapes her lips. She doesn't dare just get up and try to walk away from the Sanders woman, though. Not just yet. Not when there's information to be had.
"What can I say," Jessica smirks as she flips the phone shut in the palm of her hand. "You don't inspire me." She twists in her seat to pluck another shotglass up between two fingers. It's an impressive little line-up they have going on there. The liquor doesn't seem to inspire her to talk either, but she does jerk her chin toward Kate and brusquely ask, "What?" She ears that sigh. She can almost see the woman thinking.
"Harsh," Kate muses, going for her third shot. She even clinks glasses gently with the other woman this time. She doesn't respond again until after she's downed it. "Woolgathering." She tips her head to one side slowly. The alcohol is starting to take effect. "Is she still in there? Niki? I mean, it doesn't matter to me one way or the other. I'm just curious."
"No." Jessica slides off the stool, whisking the jacket along with her. "She's dead and gone." The words are pretty dead themselves; hollow, it if weren't for the touch of annoyance. She pushes her arms through the sleeves, and soon the jacket is snugly fit to her body once more and buttoned the one time. She turns her back on the other woman, flipping her hair over her collar as she saunters away, on a route that leads behind the stages — though she won't appear on them, tonight. "Say hi to your husband for me." Her grin is practically audible.
Kate huffs at Jessica's back, her lips pursed in irritation. As if she'll be telling Peter she saw That Awful Sanders Woman at all. She slides off of her stool and stalks, albeit not in exactly a straight line, toward the exit. This day can't get any worse.


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Equity-memorial day in Vesterö Finland in sunday 29.10.2017 at 13.00 a`clok
It is now one hundred years since the ship loaded with 150 tons of weapons arrives Vesterö Finland. Gustav Petzold was the captain and Karl Rönholm was the pilot. Eight Finnish soldiers trained in Germany stepped on shore here and joined the civil guards in the country to take part in the Finnish war of independence.
Welcome to join the program.


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PDF GEORGIA | How does the sales and use tax exemption apply?
However, lease payments are exempt from sales and use tax on a leased motor vehicle for which TAVT has been paid. Such leased vehicles are also exempt from annual ad valorem taxes. The purpose of this manual is to provide dealerships with a general understanding of the new Georgia tax…
Why do we have to pay sales tax on a used car? – Quora
In California, for example, if I sold you a used car for $10K, you would pay a sales tax on it (about $1K). If you took that same car and sold it back to me for $10K, the state would require me to pay $1K in sales tax (on the second transaction).
Paying Sales Tax on a Used Car Bought out of State
Some states won't charge sales tax on a used car bought out of state but will impose "use" or "excise" taxes. Some states, like Georgia, allow out-of-state car dealers to collect and pay the sales tax, but that's usually restricted to neighboring states.
I am a Georgia resident but I plan to buy a car in an adjoining state.
Will I be required to pay the TAVT when I title this vehicle in Georgia? Are leased vehicles subject to the TAVT? Vehicles purchased on or after March 1, 2013 and titled in this state will be exempt from sales and use tax and the annual ad valorem tax, also known as the "birthday tax".
Tax & Tags Calculator for New & Used Cars | DMV.org
Use your state's tax & tags calculator to help determine all of the expenses you can expect to pay for your new car. The state in which you live. New car sales tax OR used car sales tax. Florida. Georgia.
How to Calculate Auto Sales Tax | eHow
The state of Georgia has one of the most complicated car sales tax structures of any U.S. state. This is why the… How Is Sales Tax Figured on Automobile Sales in California? You May Like. Do I Have to Pay Taxes on a Used Car? How to Calculate Tax & Title Fees on a Used Car.
Car Buying Taxes – How to Figure Out the Cost… | HowStuffWorks
Whether you're buying a new car or a used car, or even leasing a car, you'll have to pay state sales tax. Nearly every state has a sales tax, ranging from under 3 percent to over 8 percent. Let's say you buy a car in Georgia for $30,000.
Do I Have To Pay Income Tax If I Sell My Car Privately?
taxes. used cars. When I told them that I would rather sell it privately, they said "Well, if you do that you will have to pay thousands of dollars in income tax." This sounds fishy to me, can the IRS tax you on a private sale?
Where do I enter car sales tax? – TurboTax Support
If you live in Georgia you are not allowed to deduct the fee charged when you purchased the car. Best I find is Payment for 2013 or prior years. Nothing for 2015 any SALES TAX Paid. Used Easy Guide and Manual search.
Inter State Car Buying Questions. – tax inter-state | Ask MetaFilter
Due to some weird conditions, I have to buy a used car in Florida for someone who live in Georgia. How would the title+tag+registration+sales tax work out? What would be the cheapest way for me to buy the car here in Florida and for someone to use in Georgia? Given: 1. I will pay cash for the car 2…
Without state subsidies, electric car sales in Georgia crash
According to Georgia car registrations, sales shot up as electric car buyers rushed to take "It was essentially taking money that would have been paid into taxes in Georgia and a subset of people "Historically, we have used the tax code to give people (incentives) to do the right thing and (offer…
Can You Deduct Sales Tax on a Car for Taxes? | Finance – Zacks
Do I Have to Pay Georgia Ad Valorem Tax on a Car From Another State? Does My Trade-in Get Deducted From the Sales Tax on a New Car in Arizona? Paying Sales Tax on a Used Car Bought out of State.
united states – Sales tax "trick" while buying a used car; i.e. declaring…
I am selling my car and have found a potential buyer. After I transfer the vehicle ownership, the buyer will have to transfer the vehicle title to himself, and will also need to pay sales tax on the sale price.
Georgia Sales Tax Guide for Business
If this is the case, then you must collect and pay sales tax to the state of Georgia. Again, Georgia is a destination based state, so your only concern is where your customers live. Here's what you need to know about Georgia nexus from the DOR website: Who Must Register for Sales and Use Tax?
How to Register a Vehicle in Georgia | DMV.com
If the title is unavailable, bring the registration document, along with proof of sales tax payment. If the state of Georgia wants more money to waste why don't they get is from the state in which the tax was already paid and collected and get a portion of that?
What is car sales tax in GA
Sales tax on a car in Georgia is based on the county you live. If you buy a used car from a private party, there is no sales tax charged. If you buy from a dealer you will pay sales tax based on the county of registration. ans You pay …sales tax on cars when you register the vehicle.
Out-of-state car buying & ATL registration (Atlanta: sales, real estate…)
When I brought my car in from another state I didn't have to pay taxes in Georgia because I had payed them in my former state. If the first registration is Georgia, you'll pay GA sales tax. Buying a used car/negotiating in ATL area, Atlanta, 0 replies.
Georgia Exemption Certificates: Online… | Sales Tax Support
Georgia DOR Is Making Big Changes to Direct Pay Permit Rules. Do Georgia Not-For-Profit Organizations Pay Sales Tax on Purchases? Can/ How do I get the sales & use tax number from this point? Am I even close to the right path?? Thanks Jeannie.
Sales taxes in the United States – Wikipedia, the free encyclopedia
Use tax is self assessed by a buyer who has not paid sales tax on a taxable purchase. Unlike the value added tax, a sales tax is imposed only at the retail level. Similar to Florida and certain other states, Georgia used to have two sales-tax holidays per year, starting in 2002.
Georgia Car Lease Tax – by LeaseGuide.com
Leasing a car in Georgia is a bit different than most other states due to the way that sales tax is collected. Since March 1, 2013 Georgia has a new Title Ad Valorem Tax (TAVT) that applies to all new car purchases and leases — and used car purchases.
Should I pay tax if I buy a used car from a private… | Yahoo Answers
Most states audit sales prices compared to market value, so if a 10k car is sold for 3k or gifted to a person with a different last name at a different address, expect an audit letter. You could write the bill of sale for 80% of the actual price.
Here is some info concerning tax on a used boat in TN
If you pay sales tax in state of origin, you get credit for what you paid out of state against the bill owed to Tennessee. Ultimately, you will pay sales tax on the full purchase price of the boat. I was suprised when they just gave me the form and told me you didn't have to pay taxes on a used boat in this state.
Use taxes in Georgia – Cruisers & Sailing Forums
Didn't matter, still had to pay Ga property tax, even though boat was never in state. I think your crazy to keep it in Ga., put it in Fl. I was told that Georgia does not charge sales tax on casual sales and thus my only concern is use tax.
Sales Tax on used boat purchsed in Fla and brought to Ga | Forum
I was a Georgia resident and bought my boat in Florida. I had 30 days to get the boat out of Florida or pay FL sales tax. Can you give me a reference that states there's is no sales tax charged in GA on used boats.
How Much Should I Spend on a Car? | SmartAsset.com
In Georgia, for example, you'll pay a $20 registration fee every year versus the $101 that drivers pay annually in Illinois. And if you need a car loan, you might have to put 10% down to get a used car and 20% down to get a new vehicle. If you decide to roll the sales tax and fees into the loan, you'll…
PDF Doing | 1 Georgia profile
Resident taxpayers are liable to pay tax in respect of any income that has its source in Georgia. · VAT paid on goods and services that will be used to make taxable sales or VAT-exempt sales with credit may be claimed as an input tax credit.
What sales tax and it`s rate applies to used cars in ontario?
You do not pay sales tax in Quebec. After buying the car, you will register it in your nam … read more. If you buy a used car from a private seller, there is no GST assessed.theres no need to co … read more.
'Birthday Tax' Ends | Georgia Public Broadcasting
From the Association County Commissioners of Georgia: Why is the system for paying my annual vehicle ad valorem taxes changing? When there is no value available in the assessment manual, the bill of sale or a reputable used car market guide determines the value.
New vs. Used Car – 6 Benefits of Buying a Used Car for Cheap
In Georgia, for example, if you buy a used car from a private seller, you won't owe any sales tax at all. In most cases you have to go to a dealership and buy a car. So, just as you pay your sales tax you will have to pay dealership's fees.
CT.GOV-Connecticut's Official State Website
The page no longer exists, or has moved to a different page, or. The address was entered incorrectly. Still Need Help? Try using the search above. Return to the home page.


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Lucky Player Scoops £57,000 At Mecca Bingo
It's a bingo player's dream to win a huge jackpot -and it came true this week for Bext666 who scooped a big prize at Mecca Bingo on the Pirate Plunder progressive game! In a week where some lucky punter won an eye-watering £84m on the euromillions, Bext666 won her own little lottery by landing £57,000 at Mecca.
When asked about her win she commented "I thought I would give meccabingo.com a go because my mum plays on here… I plan to save some and go on holiday to America". Well good luck Bext -don't spend it all in the duty free shop on those giant toblerones!


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In the 2014 NBA playoffs, when Indiana Pacers 7'2″ all-star center Roy Hibbert's stat line was showing 0 points, 0 rebounds, 0 blocks, a Chinese blogger from Hupu.com had the sudden idea to create a currency value based on Hibbert. The currency was named 'Hibbertcoin'.
An established 7'2″ player in the NBA will always carry value, that is for certain. So when the 'Hibbertcoin' was created, the Hupu blogger who goes by the online ID name 'SmithKobe' broke it down like this.
"Take '1 Asik = 5 Hibberts' as international norms, David West = 7 Hibberts, George Hill = 4 Hibberts, Paul George = 10 Hibberts, Scola = 3 Hibberts, etc etc. The Hibbert-net-worth of the Indiana Pacers is 46 Hibberts. Let's see who we can get with this much Hibberts."
Thanks to Hupu.com editor Evan Wang (@wangyifan314) I was able to track down 'SmithKobe' and ask him a few questions about the current status of Hibbertcoins. 'SmithKobe', who introduced himself as 'Rain', started the conversation by giving credit to the community at Hupu who contributed to the idea, "It's not just me. A lot of
Hupuers JRs (we'll get to that later) contributed to this. I'm just the man who made the definition and gathered all the geniuses together."
Hibbert currency is very popular on NBA Reddit. Anytime an NBA redditor talks about Hibbert, the word Hibbertcoin is always mentioned. When you started this idea, did you ever think it would become this popular?
(Rain) At first, I thought it would become popular in Hupu, or even in the whole Internet in China. Because in Hupu we create about 15 new popular words per year. But I did not expect Hibbertcoin to go this far.I'm a little proud to be honest.
If I bought Hibbertcoins during last year's playoffs, are my Hibbertcoins now worth more or worth less or have remained the same?
(Rain) Absolutely up! The time you bought Hibbertcoins was the lowest price time. 0 pts,0 rebs,0 blks! Think about that, you can be a millionaire now. But I suggest you not buy Hibbertcoins now, because it's so unstable.
In the original article on Hupu, this photo was included at the end of the post. Can you explain exactly what is going on here?
(Rain) The ref was saying "5 Hibbertcoins" as he checks Asik's power level. and Asik says "damn, it's that low?"
Hupu and NBA Reddit have a lot of similarities. Hupuers and NBA Redditers
all have a strong understanding of the NBA and back it up with a great sense of humour. So lets imagine there was an NBA finals for NBA forums. Hupu is biggest in China and NBA Reddit is the biggest in America. If there was a seven game NBA Internet Forums Finals series, who would win; Hupu or NBA Reddit? What are your advantages.
(Rain) I appreciate your praise to HUPU. Actually we are not called as Hupuers. We are call JRs. JR means贱人(bitch/badass). We are as humorous as Redditers. We are as erudite as Redditers. It's 2:2.
2-2? But it's a best-of-seven series… and don't forget, Denver Nuggets point guard Ty Lawson is a regular NBA Redditor. How can you stop that? So if the NBA Redditors' best weapon is Lawson, what's JR 贱人 best weapon?
(Rain) Haha We have Yao! Yao is browsing hupu everyday i think. he has a lv.22 ID. Source: 程杭 the owner of hupu. We can be more salty/ironical(vague words) but less dirty talk than redditors. I don't know if it's good or not. Because irony sometimes can make more damages to others so it's another 1:1 I think. We are less civil and rational than redditors 0:1 . We lose.
Speaking of Yao, you mentioned in the article that in the NBA there is dying breed of dominant bigs. You also say that Hibbert is the black Yao. If Yao was the last dominating big of the NBA, then how many Hibbertcoins does it take to buy one YaoCoin?
(Rain) To me, I would never sell one YaoCoin for any Hibbertcoins lol. YaoCoin must be priceless. Never! except maybe Lebroncoin…
What happens to Hibbertcoins when Hibbert retires? Does the Hibbertcoin die? Does the Hibbertcoin bank go bankrupt?
(Rain) Ironically, Hibbertcoin has already been dead in Hupu. It's a very entertaining thing in my opinion, but this is a little sarcastic that Hibbertcoins has been somehow a forbidden word in Hupu. Because this is too overflowed that it has become abused in hupu and this idea offended a lot of Pacers homers. But I think Hibbertcoins will never ever die in the world! It's a great thing to break linguistic and cultural barriers that makes us realize we are one world! I love the relationship between HUPU and Reddit, hope we can get more close!


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So last month I called TU, spoke to supervisor in the hopes to get items deleted early. The guy said that its too early for that but he can dispute it with the same status (Too old to be on account). I said why the heck not as long as its not about the validity or anything else.
Just a week ago I see EQ updated with the statement in comment "Consumer dispute…" (dont remember the exact wording). Why did EQ update when I didnt open any disputes with EQ?
Also weird thing on EX, have AmEx which I paid off in Sept and it dropped off from my TU next month, EQ removed it too. But it still remains on my EX. I have one report from Sept 2015 which shows that the account should have dropped off from my report by Feb 2016 yet it is there. I wouldnt care about this but the comment for the account status is says "Paid, Closed. $ 1,927 written off." Nothing was charged off, as I paid every penny I owed to AmEx in Sept 2015.
Is there anything I should do? More importantly should I call EQ and tell them that I didnt dispute anything and there is no reason to update the account?


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Reconciling RFID technology with data protection principles
Publié le 31/03/2005 par Ewout Keuleers - 227 vues
The Data Protection working group of the European Commission, the so-called Group 29, recently released a working document on RFID technology and privacy issues. Group 29 confirms that the use of low-cost Radio Frequency Identification technology (RFID) has substantial advantages in not only a number of sectors and industries, but also for individuals and public…
The Data Protection working group of the European Commission, the so-called Group 29, recently released a working document on RFID technology and privacy issues.
Group 29 confirms that the use of low-cost Radio Frequency Identification technology (RFID) has substantial advantages in not only a number of sectors and industries, but also for individuals and public services, governments included. In addition to the more standard applications in the transport, distribution or retail sector, Group 29 underlines that RFID chips embedded in goods could also increase consumer safety.
It is clear that the wide spread implementation of RFID chips in consumer goods, such as razor blades, cars, identity cards, cell phones, etc., also triggers certain underlying privacy issues. Indeed, the ability to surreptitiously collect a variety of data all related to the same person; track individuals as they walk in public places (airports, train stations, stores); enhance profiles through the monitoring of consumer behaviour in stores; read the details of clothes and accessories worn and medicines carried by customers are all examples of uses of RFID technology that give rise to privacy concerns.
For this reason, Group 29 urges manufacturers and deployers of RFID technology to design and implement technology that is in line with the legal EU privacy framework. This framework consists mainly out of two European directives. In the first place, the data protection Directive 95/46 sets out the general principles for the processing of personal data, notably the rights of the consumer-data subject. Secondly, this general regime is contemplated by a sector specific directive. Directive 2002/58 on electronic communications and privacy deals with particular issues such as the use of hidden identifiers, e.g., RFID tags, and location data.
1. Application of general data protection directive 95/46
Directive 95/46 on the processing of personal data is only relevant to the extent that the RFID generated information is personal data. Group 29 acknowledges that this is not always the case. In some cases, tag information is not combined with other identifying material, for example someone's photograph or name and address, or with a recurring reference number.
However, one must be careful to come to this conclusion. Directive 95/46 defines "personal data" and "processing" in a very broad manner.
Processing is basically "any operation or set of operations which is performed upon personal data ", such as the collection, recording, organization, storage, retrieval, consultation, use, disclosure by transmission, dissemination or destruction.
According to article 2 (a) 'personal data' shall mean "any information relating to an identified or identifiable natural person" This also means that a person can be identified indirectly by reference to an identification number such as the one of the RFID tag. Moreover and to determine whether a person is identifiable or not, account should be taken of all the means likely reasonably to be used either by the controller or by any other person to identify the said person.
In contrast, the principles of protection do not apply to data rendered anonymous in such a way that the data subject is no longer identifiable. In contrast to the notion of personal data, the one of "anonymous data" should be interpreted strict and one must be aware that it may be very difficult to achieve true anonymous data. From the moment a person can make a link between the 'anonymous RFID tag' and a person, even indirectly, Directive is applicable. Eventually, one may not forget that RFID tags are designed to identify goods and/or persons. Similar to the use of internet cookies, or other hidden identifiers, even if the individual consumer is not immediately and directly identified at the item information level, he can be identified at an associative level because of the possibility of identifying him without difficulty via the large mass of information surrounding him or stored about him.
Once the use of RFID, or Electronic Product Codes (ECP), is considered as the processing of personal data the deployers, most likely to be considered as controllers, and RFID manufactures should pay attention to the legal data protection requirements.
2. Implications of the application of the general data protection directive
According to Group 29 it is not feasible to establish how all data protection requirements apply in each RFID scenario. It may be possible to give some general guidelines which data controllers can use and adapt in the light of the circumstances surrounding the data processing. Although it will be for the data controllers, e.g., deployers or distributors, to ensure the overall compliance with these requirements, Group 29 underlines that RFID manufacturers have a direct responsibility in ensuring that privacy compliant technology exists to help data controllers to carry out their obligations under the data protection Directive and to facilitate the exercise of the individual data subject's rights.
In this regard, the same EU body already recommended in November 2000 that "the design and selection of data processing technologies, including hardware and software, shall conform to the objective of processing no or as less personal data as possible and shall facilitate the exercise of the data subject's rights". Furthermore, Directive 2002/58 clearly states that "it may be necessary to adopt measures requiring manufacturers of certain types of equipment used for electronic communications services, to construct their product in such a way as to incorporate safeguards to ensure that the personal data and privacy of the user and subscriber are protected" .
Besides the general principles on data quality and the justifying legal grounds for data processing, notably the consent of the data subject, one must pay respect to the rights of the individual data subject. In particular and in order to allow the latter to exercise his rights, it is of predominant importance that the individual is informed and made aware of the existence of a RFID processing operation.
In this view, data controllers, e.g., shop owners or manufactures of consumption goods, processing information through RFID technology should provide the data subject at least with their identity, the purposes of the processing, information on the recipients of the data and the existence of a right of access. Furthermore, it can also be recommended that information is given on the means to discard, disable or remove tags from the products, thus preventing them from disclosing further information.
Eventually, one must be aware of the eminent risk that third parties shall use RFID tags for other purposes than the initial purpose determined by the data controller or for cross-profiling purposes. This re-routing of the initial purpose shall be easy to achieve when the RFID radio signal broadcasted by the RFID tag is not secured and can be read by third party readers. In this regard, Directive 95/46/EC states that all data controllers must adopt appropriate technical and organizational measures to protect personal data against unauthorized disclosure or unauthorized access. In this view, the use of Privacy Enhancing Technology (PET), notably encryption algorithms, should be welcomed.
More info ?
Read the working document of Group 29 on RFID technology, available on our website .


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The staff here at Sports Media Journal (me) needs to recharge its batteries from time to time. Now is one of those times.
I will be away from the site for a little over a week. We will we will be back, all tanned and rested (well, hopefully rested), on April 23rd.
Thanks for your continued support of SMJ!


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Hi Folks,
It was only last week that I posted on the subject of a sudden and extraordinary rash of long-overdue judicial appointments to the Family Court and the Federal Circuit Court after an extended period of apparent stasis.
Well it seems that the avalanche of appointments continues with a further two judges for the Federal Circuit Court and two more judges to the Family Court announced on Friday 22 March 2019.
In the Family Court appointments, Judge Mead will go to the Adelaide registry and Judge Hartnett is destined for Melbourne. Both have been elevated from their positions on the bench of the Federal Circuit Court. In addition, Justice Tree has moved up from the Family Court to the Appeal Division of the Family Court.
The Federal Circuit Court gets replacements for the loss of the two judges (Mead and Hartnett) in the form of Judge Andrew and Judge Kari who both take up their commissions on Monday 25 March 2019. Judge Andrew will fill the vacancy in Townsville (since 8 February when Judge Middleton was re-tasked to Brisbane and Cairns) and Judge Kari will add to the Adelaide registry.
So what's the LATEST score (as at 22 March 2019)?
Based on this table, it looks like Melbourne has been the big winner!
So, Australia wide, the Family Court has received seven new judges, a dual commission appointment in WA and an Appeals Division Judge in the last six weeks.
Consider that for a moment – this is more appointments than took place in the previous nearly six years (since the appointment of Judge Johns on 29 July 2013).
The Federal Circuit Court ended up with a net gain of only one new judge.
And we mustn't forget the extra four Federal Court judges either which bring the total of judicial appointments in the Federal Courts to around 20 Federal judges in six weeks! Mr Porter has been a busy A-G hasn't he?
But wait, there's more!
On the weekend, 23 March 2019, the Attorney-General announced that the Federal Court's jurisdiction will be broadened to include corporate crime as part of its response to the Banking Royal Commission. The 2019-20 Budget will allocate $35 million to appoint two judges, 11 support staff and construct new court facilities, relieving the burden off the State Courts for this criminal prosecution.
Where to now with the Federal Circuit and Family Court Bills?
By adding to the workload of the Federal Court with its new corporate criminal jurisdiction, and with no provision in the FCFCA Bills to fund the absorption of the Family Law Appeals Division, the Bills as they stand just became even more infeasible. Further, the Senate Committee Report into the Bills unanimously recommended that the Appeals Division not move from the Family Court but there is currently no indication that these substantial amendments to the Bills have been made and circulated. The Committee web pages don't show any "Government Response" to the Report either.
Also, the appointment of Justice Tree to the Family Court Appeals Division would tend to indicate that this structure is destined to continue in its current form.
With two days of the Senate sitting next week for the Budget (2 and 3 April 2019), and the remaining week-and-a-bit sitting only for Senate Estimates, I can't really see how the government might get the FCFCA Bills passed before the election is called (which I'm guessing will be very, very soon after the Budget is delivered) and the government goes into caretaker mode.
Stay tuned folks. It's likely to get interesting…


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Are you interested in learning what the Kestrel Talon Road Bike has to offer you? Who's it best for? What are its standout features?
We've done all the research on this bike so that you don't have to. To learn everything, you need to know about the Talon 105 model by Kestrel, take a look below.
|Frame Size
|Frame Material
|KSL carbon fiber frame
|Bike Type
|Triathlon Road Bike
|11 speeds
|Tektro R540 Dual Pivot Brakes
|Wheel Set
|Oval Concepts 327, 700c 20/24H rims
|Vittoria Zaffiro Pro, 700 x 25c, folding
|Editor Rating
|Kestrel Bicycles
|Carbon fork, Affordable, Shimano Drivetrain, Lightweight frame
|Have to buy pedal
|Great for the beginner cyclist who wants reliable ride
|Where to Buy
|Check On Amazon
Can you ride this bike and feel comfortable at the same time?
Oval Concepts is the brand who have constructed the saddle for this Kestrel bicycle. They've incorporated a 300T Tri saddle which rider are liking.
It provides you with a supportive yet stable seat.
The saddle itself is supported by a Kestrel EMS Pro Aero seat post. You're able to easily adjust this post to alter the height to your exact preferences. Therefore, you can be sure easily change the heights to suit the activity on the day.
This makes it a great option for both casual riders and more competitive ones.
What makes the frame so special?
One of the standout features of this Kestrel bicycle is, without a doubt, its carbon frame.
It boasts an aerodynamic, lightweight, and sturdy design. We found the carbon fibre to be one of the driving factors that made this make feel so robust and lightweight to ride at the same time.
As a result of the strong frame, you can be sure to enjoy using this bicycle for a while and knowing it can withstand some damage.
The lightweight frame is what makes is so great for racers. You're able to shift the weight of the bike from left to ride with minimal effort. This carbon frame also responds to your movements incredibly quickly too.
Does the wheel quality keep up with the other features?
The Kestrel Shimano 105 Road Bicycle uses Oval 327 wheels. While they aren't the highest-quality wheels that you can find, they are still durable enough for this bike – especially when you take into consideration the price it's available at.
When first riding out on this bicycle, you'll find the wheels feel strong and lightweight. We liked how the rear wheel is equipped with four spokes. This feature helps to increase the weight capacity, while also ensuring you can ride at faster speeds.
You get to experience Vittoria Zaffiro Pro tires which work effectively to ensure grip on all surfaces, regardless of your speed.
Are you looking for a speedy, lightweight bike?
Well, a very noteworthy aspect of this Kestrel Shimano bicycle is that seems to have been made for speed.
You're able to choose between a wide variety of 11 gear speeds. Therefore, this makes it a lot easier when it comes to climbing up steep hills. As a result, your energy reserve doesn't drain as quickly, and you can ride for longer.
In addition to the great speed features, you may be glad to hear that they are enhanced by the precise gear shifting.
With a Shimano derailleur, you can be sure to shift through gears smoothly. Typically, this kind of accurate and smooth shifting is found in bicycles of a higher price range.
When using the Talon 105 Bicycle, you're exposed to an incredibly aerodynamic experience.
A lot of this is largely due to how the bike is designed to contour naturally to your body. There's also an A2 wind tunnel and internally routed cables. The combination of those design features means that air can flow more freely along the bicycle.
Furthermore, this bicycle is equipped with advanced Kestrel H-Stays. These are identical in their shape and ensure that the chain stays remain as aerodynamic as possible.
However, they also work to provide more stiffness and a better transfer of energy that you create while pedalling.
As you now know, this Kestrel bicycle is made for speed. However, that also means they've had to put some extra attention into their braking mechanism.
So, how does it fare?
Well, the braking is pretty impressive. With the Tektro R540 dual-pivot callipers, the braking is very responsive.
Between the time it takes for you to squeeze the 105 STI brake levers, and for them to be engaged with the tires, you'll find that there isn't any time between them.
Despite the fact that the braking is very responsive, that doesn't necessarily mean it's harsh. In fact, it's the opposite. You're given complete control over the braking, and it never feels too clunky, or overly sharp.
|Question: What is the psi with these tyres?
|Answer: The Vittoria Zaffiro Pro tires can have a minimum psi of 100 and a maximum of 120.
|Question: Does the bike come fully assembled?
|Answer: The pedals aren't the only thing you'll have to work on assembling. The bicycle is delivered almost completely assembled. However, you have to assemble the seat and handlebars yourself. To be fully covered by their warranty, Kestrel advises customers to have their bicycles put together at a bike store.
|Question: What year was the bike made in?
|Answer: It was made in 2016. However, this doesn't detract from the quality, and it's one of their newest bicycle models.
|Question: Is this a good bicycle for women?
|Answer: A lot of the time, women are advised that they should find bicycles that are specifically made for them. When it comes to the Kestrel Bicycle, you'll be glad to hear it's an excellent choice for women and men. However, this is only the case if you manage to pick the right size. Provided you pick the right sized frame, you'll find the construction of the bike works well for all people.
|Question: Should you seek further coverage with Amazon?
|Answer: The warranties that Kestrel offer make customers feel assured. Therefore, we wouldn't say it was a necessity to get additional coverage from Amazon. It's not needed as Kestrel deals with customers well on their own.
One of the pitfalls to purchasing bicycles in this more affordable price range is that you often need additional gear and equipment.
The Kestrel provides a good range of components in the package. That's what makes it such a great choice for beginners who aren't sure about what extra upgrades they may need.
Having said that, you will need to purchase your pedals and fit them on. Therefore, you may want to consider purchasing the pedals separate before the bicycle arrives. This means you can attach them and be ready to ride on the same day.
What's our final say on the Kestrel Talon Bike? Is it worth it?
People looking to participate in faster competitive races may struggle a little. The 11-speeds on offer can't quite compete with some of the higher-end bikes.
On the other hand, when you consider the affordable price and wide range of riding benefits on offer, we feel very confident in recommending this bike.
Beginners, in particular, will experience the most benefits. The features we've discussed are what you'd expect from a bike in a higher price range. So, it can be a nice boost up for complete newbies to start out on.
Intermediate riders will also find this bike lasts them for a good amount of time
Take the information provided here about the Kestrel bike to help make the best decision for your biking needs.
Related Articles – Top Rated Road Bikes Under $1500 in 2020 – Buying Guide
Last Update: 3rd May, 2020
Hi, This is Peter who is the owner of XpertChoose.com. I am the guy a with lots of passion who worked in a sports shop for last eleven years. In this job period I have learnt many things about finding best outdoor gears that you really need in vacation or holidays. So I think I need a platform to share my experiences about finding top rated products that really worth the money you spent. That's why I have created this website to search & list best products for the visitors who are looking for.


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Who knows the last digit of pi?
545 Solvers
Are all the three given point in the same line?
279 Solvers
Cody Matlab Version
142 Solvers
Make a 1 hot vector
468 Solvers
sum of non-primes
337 Solvers
find radius of cone
245 Solvers
275 Solvers
matlab indian players
225 Solvers
Simple date to serial no. conversion
111 Solvers
Equal to their cube
325 Solvers
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What makes a saree stand out from the crowd? Of course it is the drape, the embroidery, the style of the saree and so on. But what's the game changer in a saree look? Undoubtedly, the saree blouse! The saree blouse can transform anyone's personality and the entire saree look depends on the type of blouse that you choose to wear. In today's fashion scene, there are endless saree blouse designs with numerous different ways to enhance them but sometimes even the most complicated patterns, embroidery and designs cannot compete with the classic brocade blouse. Read more to know why the brocade blouses are here to stay.
1. Comfort
The royal brocade fabrics are most comfortable to wear and they of course add the right amount of dressiness to your saree look. They look equally rich even when they are plain without any embroidery or pattern detailing. Be it sleeveless, full sleeves, elbow sleeves or half sleeves, even the simplest brocade blouses will make you feel like a queen.
2. Brocade Blouses are versatile
From every age group to every occasion, the brocade blouses are super versatile and a timeless classic. A classic brocade blouse will instantly allow you to mix and match with many different sarees thus making it a definite wardrobe must have.
3. Accessorizing
Brocade blouses allow you to go easy on your accessorizing. You can go bold or keep it subtle and you will still not look over or under dressed for any occasion.
4. Vibrant Colors
Brocades come in a variety of vibrant hues and the Indian colors can be easily contrasted with many different sarees. You could opt for a contrast or simply match it up and make a statement with the texture of the fabric.
5. Timeless Trend
The brocade blouses never go out of style and are trending forever. So if you are looking to invest in classics, then the brocades are a wise choice. You could wear them to literally every occasion like weddings and festivities and whether you are a bridesmaid, wedding invitee or even a bride, the classic brocades will definitely work with your royal saree look.


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Becoming A Victory Girl: Staking Your Claim in The Kingdom
Becoming a Victory Girl: Staking Your Claim in The Kingdom will help you fully walk out your God-given destiny in the Kingdom of God. Amy Elaine shares her sure-fire battle plan to become a Victory Girl and stake your claim. The enemy wants to steal and destroy your destiny, but you've already been made victorious in Jesus Christ. Now is the time, master the skills needed to defend your territory and walk in your full destiny by becoming a Victory Girl.
Daily Devotion – The Victory Girl
Don't be afraid to ask Him for what you need. Yes, we'll have ongoing battles, but we fight with supernatural weapons. While the battle rages on, we stand!
Daily Devotion – Battling for the Bounty
When we walk victoriously out of battle, what have we actually gained? Is it just another W in a lifetime of battles we face or is there something more?
Daily Devotion – The Art of the Aim
We have supernatural weapons; they're hand-made by God, ready for use, and at our disposal. We must learn how to wield them with supernatural strength.
Daily Devotion – Warriors of Victory
Yet, when we utterly rely on God, our chaotic choices change to carefully thought out acts of obedience. This is where we begin to live in victory!


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The kids have a pretty cool art teacher who taught them all about Monet in first grade. (How spectacular is that?!) So as soon as I heard this exhibit would be here, I began to plan to take the kids. Add to the consideration that the art museum promised free tickets on Fridays, and we were a solid, "We'll be there!" We actually tried to go over Winter Break but those free tickets were sold out! Instead, we made arrangements to go with the grands in the new year and we made a whole night of it. So fun!
|one of my favorite pieces in the whole museum - "St. Peter's Cathedral." The kids LOVE how the perspective changes as you walk by...Me Too! The girls enjoyed walking past with Grandpa!
|"Smiling Girl with Obscene Object" - gotta love art! (FYI, the obscene object is a naked man!) Don't you love Pookie's studious expression next to Grammie?? She is really taking in that piece!
|Grandma with Sashi
|two handsome art oficionados!
|his fave of the evening
|this was the kids' most favorite part of the actual exhibit by far ~ making their own digital Monet masterpieces
Such a fun family night!


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Forums › Help & support › Change email address? › Reply To: Change email address?
Hello Svante
Thanks for the reply.
The only problem I seem to have right now (and all along I believe) is that the "Verify" code never comes to my email. I have search all my historical email and can only find your recent 3 emails to me.
Regarding the other 2 emails you say I have used but they dont exist, that is simply not true. Those email addresses have existed for many years.
Maybe it would be easier if you just explain to me why I never receive a "Verify" code instead of making me feel stupid. Or better yet, just let me open my files as I once did previously.
Thanks for your input


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Online Master of Science in Business Journalism
The Master of Science in Business Journalism (MS) at Arizona State University is an all-online degree program geared toward journalists and communications professionals who want to develop expertise in business and in communicating about business, economics and finance in order to more effectively serve audiences. Students acquire the knowledge and tools required for reporting on the story behind every story: money. Unique to the program is instruction from two schools that are considered national leaders in their fields: the Walter Cronkite School of Journalism and Mass Communication, home to the Donald W. Reynolds National Center for Business Journalism, and the W. P. Carey School of Business.
Students will study economics, finance, accounting, statistics, markets, and organizations in courses offered through the W.P. Carey School of Business, one of the nation's leading business schools. And they will study how to apply that knowledge in a journalistic context through classes in data journalism, reporting and storytelling, media law and entrepreneurship at one of the nation's leading journalism schools, the Walter Cronkite School of Journalism and Mass Communication, home to the Donald W. Reynolds National Center for Business Journalism.
Delivered entirely online, the 30-credit program may be completed in as few as three semesters.
Start your application here
Program of Study
Students begin the program with the 3-credit Issues in Coverage of Business and the Economy and conclude with an Applied Project that reflects the student's particular area of interest. Other courses may be taken in any session in which they are offered except for the Basics of Financial Performance and Basic of Internal Measures of Success courses, which are taken in succession.
- Issues in Coverage of Business and the Economy
- Better Business Reporting
- Media Law
- Media Entrepreneurship
- Data in Business Journalism
- Basics of Financial Performance Reporting and Analysis
- Basics of Internal Measures of Success: Managerial Accounting
- Basis of Understanding Facts: Statistics for Managers
- Basics of Decisions, Market Structure and Games: Managerial Economics
- Basics of Leading People, Teams and Organizations: Organization Theory and Behavior
- Applied Project
Admissions Requirements
Core Requirement: A bachelor's or advanced degree in journalism or mass communication from a regionally accredited college or university or another degree coupled with some professional communications experience. International applicants must meet the admissions criteria of Graduate Education. No prior business training or education is necessary.
GPA: Minimum of a 3.0 cumulative GPA (scale is 4.0=A) in the last 60 hours of a student's first bachelor's degree program. Minimum of 3.0 cumulative GPA (scale is 4.0 = A) in an applicable master's degree.
GRE: No GRE required.
English Proficiency Requirement for International Applicants: International applicants must take the Test of English as a Foreign Language (TOEFL) and have a score of at least 100 on the internet based test (iBT). Students may have these scores automatically submitted to ASU and the Cronkite School by using institution code 4007.
Deadlines: The Cronkite School Graduate Committee will review completed applications on a rolling basis; students may begin the program in the fall or spring. Applications for the fall semester are due July 15.
The Master of Business Journalism degree may be completed in as little as three semesters. Courses are delivered online in the fall, spring and summer semesters.
All fall and spring semester online courses take 7.5 weeks to complete. Session A courses are taught in the first 7.5 weeks of a regular semester and Session B courses are offered in the second 7.5 weeks of a regular semester. Summer courses are completed in 5.5 weeks.
Total degree credits required: 30
About Arizona State University
U.S. News & World Report ranks ASU as the "Most Innovative School" in the country, ahead of schools such as Stanford and MIT, and its business school ranks in the top 35 Best Graduate Schools for business in the nation. ASU also is the top producer of Fulbright scholars in the country. The Cronkite School has long offered a business specialization to its students and has trained more than 22,000 journalists and educators through the Donald W. Reynolds National Center for Business Journalism.


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As the cost of traditional weddings continuing to grow, more and more couples are considering opting for a destination wedding. Of course, the next logical question is going to be about the location. This article takes a look at 10 great places for a destination wedding.
1) Guatemala
Guatemala is one of the better kept secrets for destination weddings. If you are considering Guatemala, look at the UNESCO World Heritage colonial city of Antigua and Lake Atitlan.
2) Franschhoek, South Africa
Located 45 minutes from Cape Town, Franschhoek offers breath-taking views, world-class wineries, and a temperate climate. Best of all, the current exchange rate favors the US Dollar which makes South Africa an even more attractive wedding destination venue.
3) Punta Cana, Dominican Republic
The Dominican Republic's breath-taking natural scenery and hospitable people make it a prime wedding destination venue.
4) Marrakech, Morocco
Marrakech has been the chosen venue for many celebrities, and it's no wonder why - the architecture, greenery and golden light makes Marrakech one of the top most romantic destinations in the world.
5) Colorado
Colorado offers the best of both worlds regarding a wedding destination - all the necessary amenities and services and breath-taking landscapes that are so beautifully diverse. From the Colorado Rockies to the Dunton Hot Springs, there's scenery and venues to match almost any couples desires.
6) Ireland
The Irish landscape is scattered with castles to cater for any couples dreams of a royal wedding, and the country is small enough for it to be smooth and manageable for your guests to explore after the wedding.
7) Santa Barbara, California
Santa Barbara caters for the couple who is looking for a beautiful view and an elegant, effortless and laid-back atmosphere. Santa Barbara holds host to a variety of activities for your guests to partake in, including hiking trail, wine tasting and many beaches to explore.
8) San Miguel de Allende, Mexico
Similar to Antigua, Guatemala, this UNESCO World Heritage site is a romantic and colonial wedding destination. The weather is temperate, the people are friendly, and there are a variety of unique venues from which to choose.
9) Ischia, Italy
Ischia is a volcanic island in the Gulf of Naples that could rival Capri with its natural beauty. As such, it a great choice for any wedding.
10) Phuket, Thailand
Southeast Asia is one of the most affordable destination wedding venues in the world, and not much can rival its natural beauty. Thailand has a rich cultural and religious history, all of which you can have incorporated into your wedding.
In reality, a destination wedding can take place just about anywhere on earth - it just depends on the preferences of the happy couple. However, by reviewing this list, you will have a great start on your research for your dream destination wedding.


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Get the complete New York fashion experience with Chicmi Pro, or join exclusive events with Chicmi VIP. Previous VIP exclusive events have featured Marc Jacobs, Altuzarra, DL1961, Ulla Johnson, alice + olivia, rag & bone, Joie, AEFFE (Mochino, Jeremy Scott), Nicholas Kirkwood and many more in New York!
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VIPs get more insights into many of the sample sales and events on the site - such as what people thought last time, past price lists, what else is happening nearby, and what people are saying on social media. It's great for working out whether or not to visit the event.
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My boyfriend and i have been together since high school and are currently in our 3rd year of college. We know we have plans on being together after college and starting a family. However i've been feeling a major disconnect for the last several months and i don't understand where it came from. Although we don't live together we basically spend every night together either at his apartment or mine but he no longer wants to come to my apartment because it is "too far" and i can "just come to his." when i am there, he barely pays attention to me, most times we will be in separate rooms. he tells me i act crazy because i can't get attention but i honestly think I'm not asking for MUCH. we used to act so in love, he was always ready to kiss me if i turned to him, no longer wants to hold me at night (which was a nightly ritual), and no longer has the same sex drive (which is most shocking to me because we used to have passionate sex on a daily basis). the only time i get the same sense of affection is when i'm gone for a weekend or few day period when all he wants to do is tell me how much he wants to be with me and can't wait to have sex. i come back, we will be fine for a day then it is back to the same old attitude. I love him and i know he loves me but i can't deal with the constant up and downs of emotion.
i need something to change because my emotions have been thrown around and i can't deal. how do you take your emotions out of a situation and do whats best for you?
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I am currently convalescing from a fall. Yesterday I set off to 'boulder' the environs of a lake. En route I passed through this wee villgae & began to take notes on a forthcoming poem; of the chai shops at the crossroad with old men chatting & smoking beedies, of the water buffaloes plodding through town, of the school-kids with their oversiz'd backpacks & their baskets witha bottle of water & lunch wrapped up in newspaper, of the two identical 'universal shops' in the village, with the same frontal displays full of soft drinks & Lays crisps – magic masala & tangy tomatoes –, of the stray dogs wandering around, the barbers & the mad politcal flags from some forrthcoming panchiyat elections. The last thing I noticed was a wee clinic as I left the village for the gorgeous resevoir dammed above it. I began to bounce along the boulders round its rim, when after only a couple of hundred metres I came across what seemd to be a 'stream of rust. Unfortunately, under the rust was water, & with a yelp I slipped & was carried down it water-slide style. 10 meters down I was coming to the ledge, tried desperately to grab a branch, then went over. Luckily the fall was wee enough, but the momentumI'id gained span me sideways & my fall was broken by a boulder, on which I then cracked my head with a spot of whiplash. Ouch! I immediatley got double vision, which still hasn't compeletly subsided – & about twenty cuts, mostly along my left leg. I've also got back pain & cannot lift my left arm up above my head. Still, I'm not dead, so happy days. From the scene of the fall, after ripping up my shirt to stem the blood flow, the chief of which was on the bottom of my right foot, quiet a gash, I hobbl'd back to the village. Luckily, the first house I came to was the clinic, & I got my wounds dressed & bandaged by some very friendly Indians, before hitching a lift back home.
I am staying in the village of Virpapurgaddi, across the Tunghabadra river from the more bustling, Indian-heavy Hampi. You get there by piling into this wee boat with up to 20 others, along with mopeds & massive bags of food for the restaurants – its a miracle the thing doesnt sink. The village spreads out alongside the river, & is made up mainly of restaurants. Beyond begins the wonderful bouldery landscape that is a sheer joy to wander in – very alien. A few years ago it was empty, but now a steady troop of middle class climbers are arriving with their massive backpacks full of gear. I did a spot of climbing the other day. There is this white temple perched high atop a boulder-hill about as high as Arthur's seat. Instead of climbing the tortuous steps, I traced a route up the boulders & went scampering up them like an agile monkey. The boulders themselves are a tottering bunch, forming mad wee caves beneath your feet on which a slip could prove messy. However, I handled them well with monkey-like agility & found myself at the temple. This turned out to be Hanuman's birth-place, Anjamadri. At the top I saw a few of Hanuman's descendants, the males of which, both old & young, were stood uprights on the backs of the female's knees & nailing them in front of all & sundry – a very curious sexual position indeed.
This area is indeed the the home of the monkey gods. Not far away is a temple upon Rishamukh hill. This is the home of Sagriva, chief of the monkeys, & on visiting I found myself in an episode of Father Ted. There is a baba just like Ted, who has been there 50 years & moans at everyone who turns up – even worse than Charlie. Another baba – my mate – is a thirty-year-old gorgeously-bearded dark-skinned fellow, with only one leg. We've got on famously & Ive been going to see him each day for lessons in the Ramayana. I studied it the last time I was here, but he's helping me to fill in the gaps. I sat down with him on a rock in the shade as he gets out this weighty bi-lingual tome (Hindi & English) & reads through passages for me. Its cool as he skips the more difficult words with a wee mumble, & then elaborates on the 'main points' of the lesson. It turns out the temple is built on the very spot where Rama met Sagriva, where their friendship was sealed with a handshake. Sagriva then agreed to send millions of monkeys out in search of the lost Seeta.
Over Christmas I was hanging about – seperately – with a couple of cute french girls in their late twenties. One is a jewelry maker/seller called Sagoo, who lives in Ardesh – a hippy envirnoment near Nice. The other is a Parisian, & is on a festive break before going back to work in Calcutta as a French teacher. Her name is Amelie & I think we'll meet again – she says she'll help to find me digs in Calcutta when I get there in a few weeks. Indeed, it was a very 'joyeux noel.' It was from Amelie that after teaching her 'no worries' in English, she taught me the phrase 'l'ecole de l'echeque' – which means learning from your mistakes. I.E., if youre bouldering & there is something that obviously looks slippy – dont fuckin' step on it!
The hippy rainbow tipii spot has been a cool hang out & I've been jamming away with the guys, slowly getting middle eights for a few songs I've been writing in my head over here. Its nice to get a guitar in my hands & I've been penning the songs for the big Saraswathi comeback in the spring. I think its a cool concept, leaving the last incarnation of the band to go off to India & be dictated to by the goddess herself. The tunes are sounding pretty good so far & three more months should get them kicking.
I was attracted to a wedding by this amazing sound of drums & horns. It turned out to be two drummers, a trumpet & a clarinet indulging in call & answer eastern psychadelia. Around them a great troupe of Indians were indulging & chit-chatting, with the wee ones making mischief at their feet. I was invited to join them in some food & observed a lovely ceremony. The bride & groom were knelt down on something of an ironing board, covered in turmeric, which gave them a yellow hue. Then out came the shampoo sachets & they were both drenched in water until they were clean – some cleansing poojah before the victuals I think.
As for Charlie, nine weeks of his incessant moaning finally did my head in & I scampered across the river to the other side for some peace & quiet. I mean, a guy can only take so much, right. He's like one of the old gits from that BB comedy show, moaning loudly about all sorts of stuff & not embracing the fact we're in this fabulous country, prefering to insult the natives instead. Aftera few days away from him, & then seeing him again, I finally realised this myself. Anyhow, he's now also come across the river, & gone on to a quiet spot a few kilometres away. I reckons a spot of shanti-shanti village life is just what the doctor ordered for the fellow, & let the miracle that is India do its work.
Hampi New Year
30 / 12 /10


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A Musical Soirée explores the leading edge in creative musicianship with scintillating performances that are "up close and personal."
Artistic Director Alan Busteed brings brilliant artists with superb communicative ability to his recital series, A Musical Soirée. Experience personal warmth, beautiful architecture, good eats, and outstanding music are offered in an intimate home setting. Do come early and explore Laguna Beach before the recital!
"Are You Experienced?"
— Jimmy Hendrix


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Featured solutions 198 Views What about the service notifications on Top bar?
The service notifications on Top bar are always visible on every page in the dashboard and serve as reminder to the agent (or admin) about the status of his work.
Service notifications help us with a quick overview of the recent 5 tickets received from Top Clients, the last 5 high Priority tickets and the last 5 tickets from Pending queue: they give a simple preview of the most urgent work that need to get done.


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MINNEAPOLIS (AP) The latest on the investigation into the shooting by a Minneapolis police officer of a black man suspected in an assault. The shooting has sparked protests. (all times local):
7:05 p.m.
Federal agencies have agreed to launch a civil rights investigation into the fatal shooting of a black Minneapolis man by police during a scuffle.
Minneapolis Mayor Betsy Hodges had requested the probe. The federal investigation will be conducted by the FBI and will be concurrent to an investigation by the Minnesota Bureau of Criminal Apprehension.
Twenty-four-year-old Jamar ONeal Clark died Monday evening, a day after he was shot by police during an early-morning dispute.
In a statement, federal authorities asked for cooperation from any witnesses and urged calm during the investigation.
5:15 p.m.
The Hennepin County Medical Examiner"s Office says an unarmed black man fatally shot by Minneapolis police died of a gunshot wound to the head.
The father of 24-year-old Jamar ONeal Clark previously told The Associated Press that his son suffered a single gunshot wound over his left eye.
Clark was shot early Sunday in a scuffle with officers, and died Monday. The medical examiner confirmed that Clark died at 9:25 p.m. Monday at Hennepin County Medical Center in Minneapolis.
Some witnesses said Clark was handcuffed when he was shot. Police initially said he was not handcuffed, but authorities later said handcuffs were at the scene and they were trying to determine whether Clark was restrained.
2:40 p.m.
Authorities investigating the shooting of an unarmed black man by Minneapolis police say they have several videos of the incident but none that show it in its entirety.
Jamar ONeal Clark, 24, was shot early Sunday in a scuffle with officers, and died Monday. Police say they were called to the scene because Clark was interfering with medical personnel responding to a domestic assault call.
Drew Evans, superintendent of the state Bureau of Criminal Apprehension, says video has been obtained from an ambulance, a mobile police camera that had been set up in the area, surveillance video and onlookers" cellphones.
But he repeated that no video would be released now because it might taint the investigation. Protesters have demanded that video be released, saying they don"t trust investigators.
1:15 p.m.
Authorities say a black man shot by Minneapolis police during an apparent scuffle has died.
The Minnesota Bureau of Criminal Apprehension, which is investigating the shooting, said Tuesday that 24-year-old Jamar ONeal Clark died Monday evening. Clark"s family had said he was on life support after the shooting early Sunday morning.
The shooting has sparked protests in Minneapolis, including one Monday night in which 42 people were arrested after the blocked an interstate highway. Some community members have alleged Clark was handcuffed when he was shot, which police have disputed.
Mayor Betsy Hodges has requested a federal civil rights investigation in addition to the state investigation already underway.
This story has been corrected to reflect that there were 42 demonstrators arrested at Monday"s highway protest, not more than 50.
11:45 a.m.
Gov. Mark Dayton says he"s concerned about protests over a shooting by Minneapolis police that led to the hours-long shutdown of a major freeway and supports steps to prevent similar disruptions.
Dayton praised state and local authorities Tuesday for showing restraint and providing ample warning before arresting dozens of protesters Monday night as they blocked traffic with a sit-in on Interstate 94. He says the protest was "extremely dangerous" and put other lives at risk.
He wouldn"t say if those arrested should be prosecuted, but that it depends on the circumstances.
The Democratic governor said he hoped a call by the Minneapolis mayor for a federal civil rights investigation into Jamar Clark"s shooting this weekend would have calmed the situation.
11:15 a.m.
An organizer of protests over the Minneapolis police shooting of a suspect who some believe was handcuffed at the time says all of the demonstrators arrested for blocking traffic on a busy highway have been released.
Forty-two people were arrested Monday night for ignoring orders to leave Interstate 94. Black Lives Matter spokeswoman Lena Gardner said Tuesday that everyone was booked and released.
Hundreds of people protesting a police officer"s shooting of Jamar Clark on Sunday blocked the interstate and shut down the northbound lanes for about two and a half hours.
Authorities have released few details about the shooting, which has angered some community members after witnesses said the man was handcuffed when he was shot. Police say he was not handcuffed.
9:35 a.m.
A small encampment of protesters outside a north Minneapolis police precinct is quiet following a demonstration that led to 42 arrests.
Hundreds of people protesting the shooting Sunday of 24-year-old Jamar Clark by a police officer near the precinct crossed onto Interstate 94 Monday night, bringing traffic to a halt.
A handful of protesters remain Tuesday. Supporters have been dropping off food and drinks.
A small bonfire is burning despite a persistent rain. A Black Lives Matter banner hangs over the police station"s own sign, and an upside-down American flag is scrawled with the names of black men shot by police.
Protests sprung up after some witnesses said Clark was handcuffed when he was shot. Police said their initial information showed Clark, a suspect in an assault, was not handcuffed.


text: Balaji Paramount is one of the popular residential projects in Kukatpally, Hyderabad. Developed by Sri Sai Balaji Nirman, this project offers thoughtfully constructed 2BHK and 3BHK apartments with basic amenities for the comfort of residents. Adding to this, it is situated close to the market, hospital and many educational institutions.


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hard drive metastock data compression problem
Questions about MultiCharts and user contributed studies.
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I have daily metastock data on hard drive. If I hit the weekly or monthly data compresion buttons I get no chart and it says no data at top. The quarterly and yearly compression buttons do work. I am running the latest beta but had same problem on previous version.
Please zip this file, send to firstname.lastname@example.com and also attach a screenshot from QuoteManager->Data Sources->Metastock. Or please contact us via our live chat and we will help you via HelpDesk.
2 posts •Page 1 of 1


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How can
I watched multiple YouTube reviews trying to determine the best shade for me. In the
Since i was travelling to Boston for work and it was a great opportunity for me to get a bottle. So I headed to the mall and against my better judgement allowed the MUA at the counter match my shade. Big mistake, in my experience none black MUA's cannot match black skin to save their lives
Thankfully I was passing through a large airport on my way back and was able to get the right shade.
This is a full coverage oil-free liquid foundation with controlling properties which provides a flawless finish for up to 24-hours. It even boasts being able to do this in hot and humid weather providing a natural-looking matte finish. It is suitable for all skin types Normal, Dry, Combination, and Oily.
Appearance and Packaging
The foundation comes in a square frosted bottle with a gold cap
Shade range:
If you haven't read my post about brands that have an extensive shade range read it here. Estee Lauder double wear
Lasting power
My face can be an oil slick and this foundation lasts a good 4 -5 hours before my face oils start to break through. I have never tested its ability to last 24
This is a full coverage foundation and it does exactly that, with this all I need is one coat and all my blemishes even really dark pigmentation appear are non -existent.
Estee Lauder double wear foundation gives a soft matte finish and there are no words to describe how good it looks your skin. It gives a soft focus look and does not move once it sets. So if you are worried about your foundation melting or moving on your skin this is one for you. It also provides full coverage with just one layer with little or no creasing under the eyes to emphasisze lines or pores.
Best for
Oily/combo skin as it dries very matte.
- A Long-lasting foundation which stays in place even in brutal heat and humidity
- A little goes a long way so start with less than you think you need and go from there
- It does not need a primer with and there is minimal need for a setting powder
- It is full coverage and does not look cakey with less texture on my skin
- Great shade range and great for my super oily skin as does not transfer
- It is extremely blendable but dries quickly so you need to work fast because when it sets it sets
- There is no pump and I am not sure why? this makes it easy for the product to spill
- Although it says it is suitable for all skin types, the foundation dries matte and reviews from people with other skin types have said it was drying.
- it is expensive, as it is a higher end foundation so many not be a foundation you use daily
- There is no pump, so you need to the pump separately which adds additional cost
This can be applied with a brush or a damp beauty blender depending on your preference.
Price :$42
I would give this a solid 4.5/5, the only thing that takes away half a point is the absence of a pump. It also cost a bit expensive when you include the cost of a pump which adds an additional $10
Available at Sephora Boots or in any place where makeup is sold
In conclusion, this a foundation that I would recommend with no reservations. Have you used Estee Lauder Double wear foundation? if so what has been your experience.


text: red dot - On 28th November 2008, Singapore celebrated the winners of this year's red dot award: design concept. This year 1906 design concepts from 49 nations were submitted to the competition which was a 115% jump from last year. Had the privilege to attend the award ceremony with some of my studio mates and it was truly an inspiring affair for any budding designers. The night could not have been better with the free flow of Bombay Sapphire. What a way to end semester one and I'm definitely looking forward to semester two. Click here and here for pictures from the award ceremony.