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Some estate planning documents deal directly with your end-of-life choices and establishing a plan to care for your needs if you suffer a disability or long-term illness. For your own sake and for the sake of those who love you, be sure to include these documents in your plan, so that you don't waste valuable time and resources if you do suffer a serious injury.]]> Outlining your medical care preferences
Few things cause problems between family and loved ones like conflicts over the medical care of someone who cannot communicate for themselves. To keep conflict and anxiety low among the people who care for you, it is wise to make sure that your preferences are clear about the kind of medical care that you will accept or refuse. You can outline these preferences in a living will.
In conjunction with your living will, you should consider granting a specific person medical power of attorney. A person who has medical power of attorney has the legal authority to enforce your medical preferences and even make decisions on your behalf if your living will does not address some particular issue.
Caring for your needs
If you are incapacitated, your basic needs continue. Many people address this issue by establishing a revocable living trust and placing their assets in the trust, then appointing themselves the trustee. In this way, they enjoy the protections of a trust, but still maintain control of their assets.
With this approach, you should also appoint some other person to act as a trustee if you can no longer make decisions. If you are incapacitated later on, there are fewer complications paying your ongoing bills and meeting your daily and regular needs.
Caring for yourself is caring for the ones you love
Sometimes it is tempting to prepare a legacy for others to enjoy without first caring for our own needs. In the moment, this may feel like a generous choice, but it is not always that simple. By taking time to cover your own needs and clarify your medical care preferences, you remove burden and worry from the shoulders of your loved ones.
Taking the time to help the ones you love avoid needless grief by taking care of yourself and making your wishes clear keeps your rights secure and your priorities safe, no matter what life brings your way.
If you do not have children and if you live longer than your spouse, the assets that you have at the end of your life will be difficult to distribute. Additionally, you may be unsure whom you would like to leave your estate to at the end of your lifetime.]]> Estate considerations when you do not have children
It is important that everyone takes the time to reflect on their true wishes. Decisions about your legacy are not made overnight, and they are often closely tied to your personal values and the experiences that you have had throughout your life. For example, you may be interested in leaving a portion of your estate to a charity that has touched your heart.
The positives of considering your legacy early
Many people without children consider what they really value, and decide that they can start using their funds during their lifetime to benefit causes that they are passionate about. This can be a positive thing, and allows those in retirement to use parts of their estate to benefit others. For example, you may want to start a foundation during your lifetime that has the potential to benefit the cause you are passionate about for years to come.
The importance of creating a will
No matter your wishes for your estate at the end of your lifetime, it is important that you make sure that you have a will written. Dying intestate is a situation in which you pass away with no will made, and it can lead to the court establishing who will get your assets.
If you do not have children and you want to plan your estate in Pennsylvania, it is a good idea to engage in careful self-reflection before taking action. https://www.cnbc.com/2017/05/31/estate-planning-when-youve-got-no-children-or-heirs.html]]>
The fees and costs associated with a standard bank account may seem reasonable compared with the hassle that people have to go through to avoid opening a bank account. In some cases, however, the bank actually has an abusive or inappropriate policy for fees that ends up having a negative effect on customers.]]> In the most egregious cases, the federal government may take steps to hold banks accountable for questionable fee policies that impact customers. Consumers and businesses alike need to monitor banks and other financial institutions for bad behavior.
The federal government can sue banks
There are federal watchdog organizations intended to ensure that banking is safe, accessible and fair for Americans. These organizations often have the right to bring a lawsuit against a banking institution that violates its duty to consumers. In one of the more shocking recent enforcement actions, the Consumer Financial Protection Bureau brought a lawsuit against TCF Financial Corporation in 2017.
The regulatory agency filed the lawsuit when it uncovered the fact that the organization was raking in roughly $180 million every year just in fees. Consumers had to pay as much as $35 per overdraft. The crux of the lawsuit in this case was the fact that the bank attempted to trick customers into participating in overdraft protection programs.
Consumers have the legal option of refusing such protections, but the way that TCF handled opening accounts made people believe they had no choice but to agree to allow overdraft features on their accounts. The end result was millions of dollars and fees by individuals who may not have otherwise allowed the bank to overdraft their money.
Consumers and businesses can hold unscrupulous banks accountable
Businesses, specifically corporations, have many of the rights of individuals, so they can bring lawsuits against other companies that act inappropriately. A company or individual negatively impacted by a bank's illegal or highly questionable fee policies may have grounds to seek compensation from the bank.
Any consumer dealing with fraud or questionable business practices should explore their legal rights. Failing to do so could allow an unethical business to target and manipulate more people in the future. By standing up for yourself or your company, you not only hold unscrupulous companies accountable, but you also protect other people from falling victim to the same scheme.
Many people put off creating an estate plan or last will for far too long, leaving themselves and their loved ones vulnerable if something unexpected happens. Another mistake that people make far too often is the decision to avoid planning for the potential of health issues as they age.]]> Not addressing the potential need for long-term care as early as possible can have catastrophic consequences for the inheritance you hope to leave behind for the people you love. The sooner you initiate planning for long-term care, the better the end result will be for everyone.
Younger adults can qualify for long-term care insurance
Most working adults either have their own health insurance or a plan they purchased through their employer. When they retire, they can continue to carry the same coverage or may intend to use Medicare benefits. Not everyone truly understands Medicare's limitations for the care of older adults.
There are major gaps in Medicare, especially when it comes to things such as long-term care. Medicare will not cover the cost of nursing home stays or in-house nursing services. Individuals will either need to pay for that kind of care out-of-pocket, with Medicaid or long-term care insurance.
Because long-term care is so expensive, the policies that offer this kind of coverage are often cost-prohibitive for adults even as young as their mid-forties. The earlier in your working life you secure long-term care insurance, the better the rate you will pay. If you are not able to afford that coverage now, then you should start planning for the potential need to qualify for Medicaid.
Medicaid planning requires careful consideration and foresight
The government doesn't want to pay for medical care if they can instead demand that individuals liquidate their assets to pay for care. The federal government will look back at financial statements from applicants for five years prior to the date of application. Any significant transfers or gifts during that time will likely incur a significant penalty. An individual may have to pay that amount in medical care before Medicaid will cover them.
Obviously, taking steps to shelter or transfer your assets earlier in retirement is a wise choice. Some individuals use a trust, which can provide them with secure access to their assets without precluding their ability to qualify for Medicaid. Others may begin making gifts of assets to their heirs and family members annually. After a certain number of years, they can reduce their personal assets to the point where they can qualify for Medicaid without penalties in the future.
Talking with an attorney who has experience planning estates and helping people plan for long-term care and Medicaid is a good first step toward developing a plan for funding long-term care in your future.
It is important that you choose an accounting method that provides a reasonable level of transparency and reports your business activity in the most accurate way possible. In other words, choosing the wrong accounting method could be misleading. Here are a few things to know about GAAP versus non-GAAP reporting so that you can choose the accounting method that fits your business.]]> GAAP
If you were an investor, would you be able to determine if a business was operating effectively and was profitable based on the financial statements if every company was using a different accounting method, perhaps one that they developed internally? Probably not. Without a set of uniform rules, it would be impossible to determine if the company is a good investment. This is where GAAP comes in. The Financial Accounting and Standards Board (FASB) was responsible for developing GAAP so that there is a standardized approach to accounting. GAAP provides guidelines for recognizing, disclosing and measuring transactions. Investors can easily compare companies that use GAAP to determine which may be a good investment.
Unfortunately, GAAP is not appropriate for every business' financial reporting needs. In cases like this, businesses are able to choose an alternative method for accounting. However, these companies must disclose their accounting method as non-GAAP along with a report that reconciles the regular and adjusted results of using the chosen method. For example, in most non-GAAP reporting, the accountant will not include expenses that are noncash or transactions that are exceedingly out the ordinary. This method often gives a more accurate view of the ongoing business because it adjusts out the results of one-time or temporary conditions. The downside of non-GAAP reporting is that its use does not always align with both the needs of shareholders and corporate management.
If you are planning on forming a new business, keep in mind that the type of accounting method you choose matters, especially if you plan to eventually bring in more investors. Be sure to choose the method that most accurately presents your company's operations.
One of the most significant changes of the modern world is that child mortality has dropped immensely, while life expectancy has increased. This means that more of us are making it to adulthood, and once we do, we are, statistically, living longer lives.]]> It is important to note that while more of us are living into adulthood, especially compared to 100 years ago when it was common for several members of a family to die in childhood, increases in life expectancy at the other end are not moving as quickly. Most adults still pass away some time between 65 and 85, with a modest number of people making it all the way to 100 years of age.
Should you plan to live to 100?
Depending on where you are in your financial planning journey, you may be concerned about whether you should be planning to live to 100. Some people assume that by the time they reach their late 80s, medical advances will make living to 100 much more possible, if not likely.
This is a tricky thing to plan around. It is impossible to predict what advances may arise in the medical community, especially because none of us know all the factors that may play into our life expectancy.
Those who want to plan conservatively are encouraged to do so if that is what is important to them. Others may acknowledge that they are unlikely to live past 85 and do not need to plan for an additional 15 or 20 years of living.
There is no one-size-fits-all solution, but there are some simple questions you can consider.
Young estate planning or elderly estate planning
For those who are building an estate plan in their 30s or 40s, their golden years are still several decades away. Fifty years ago, it was not possible to plan for the internet or how that would revolutionize every industry. It, ultimately, increased life expectancy overall, by making health care more efficient.
It is reasonable to assume that major changes you cannot predict may occur that will make living to 100 possible or likely, especially if you are not even halfway to that point.
However, for those who are already older and within 15 or 20 years of retirement, it may be unnecessarily difficult to save for living to 100. While it is always good to build something to leave to the ones you love, it is not wise to save everything and miss out on enjoying the fruits of life, just so you can potentially keep living.
This is not a simple question to answer, because it combines practical things like estate planning with existential issues about quality of life and how you want to approach death. Ultimately, before you decide how to approach your later years, you must determine how you want to live until you reach them, and what you are willing to sacrifice in order to do so.
Wherever you are in your estate planning journey, don't shy away from this issue simply because it is uncomfortable. Instead, consider using legal guidance to understand your options and plan for the life you wish to live, both now and in the days and years ahead.]]>
However, your work is not done yet. While a large part of the work of estate planning is in creating it, you still need to update your plan periodically in order for it to be the most effective.]]> But when do you need to make changes and update your estate plan?
Significant life changes
Whenever a large change in your life occurs, you should review and update your estate plan. Marriage, divorce, birth of a child or death in the family are all life changes that could prompt an update to your estate plan. You may need to add or remove someone from your will or create a new trust.
Financial changes to your life should also prompt you to change or update your estate plan. Receiving a large inheritance, starting or selling a business and other large investments should also cause a change in your estate plan. You want your estate plan to accurately reflect your assets, so nothing is left out.
Regular check-ins
In addition to checking an estate plan due to these events, you should also regularly check your estate plan. Tax laws change relatively frequently and you need to make sure your plan follows all regulations. It is good practice to check your estate plan every few years or every five years max.
While you may not want to review your estate plan or put in even more work, regularly checking and updating your estate plan will benefit you and your family in the long run. If something happens to you and your estate plan is outdated, it may not be effective and likely won't help you or your family the way you intended.]]>
Business ownership is not for the faint of heart. The majority of small businesses will eventually go under, unless the owner is proactive in anticipating the numerous problems that plague small businesses. In this post, we will go over a few of these obstacles and address what you can do to prevent or manage them.]]>
Smart money management is crucial to success. Far too many business owners neglect this skill, leaving them in dire financial straits. Plan your finances carefully, perhaps with the assistance of a financial planner, bookkeeper or other business professional. Smart financial planning can keep your company strong, even if you experience an accident or a downturn in business.
Being a business owner is exhausting. Between stress, pressure and long workweeks, you may find yourself burning out, emotionally and physically. You can offset this fatigue by setting aside some much-needed time for yourself to recharge your batteries. Delegate tasks to other staff members and employees, or find friends and family who can help.
Some businesses face legal matters like lawsuits, regulatory violations and wage and hour disputes. How you handle these issues will impact your company's success. If you encounter a legal obstacle, it is crucial to understand the law in depth and know your legal options.
With perseverance and luck, your company could eventually expand. Then, you could encounter the issue of expanding your business while maintaining your standards of quality. Make the decision not to sacrifice quality for growth; focus on attaining a balance that works.
Business ownership is rarely easy. Many businesspeople decide to seek legal counsel to guide them through the various challenges of owning a business. Any steps that you can take to prepare for potential obstacles can help your business succeed in the long run.
TCF Bank earlier stated that they complied with all laws and regulations. So, why did they pay the price?
Obscuring information goes against a consumer's rights
State consumer protection laws protect individuals from abusive business practices. Hiding information about programs, campaigns or accounts goes against a consumer's right to understand and choose what services they receive.
Businesses, large and small, need to be aware of unlawful tactics. Misleading customers or tricking them into consent can result in major legal repercussions. That's why business owners are usually held accountable for lack of information, especially when someone is purchasing their goods or services.
For business owners, it's important to avoid deceptive advertising, pricing and offers. Train employees to present accurate information and avoid giving out incentives that might not benefit the customer.
However, there are some aspects in life that require long term planning. While there has been more attention placed around saving for retirement, that is not the only part of life that can benefit from early planning. You can also start estate planning as early as your 20s, however most Americans do not practice it. Over half of the country does not have a will or trust in place, and there are only 22 percent in the 18 to 36 demographic that do. The major question asked by millennials is what do they have to benefit from early estate planning.]]> Preparing for the unexpected
Most people in their 20s are just beginning their independent lives. Why should they already be preparing for the ending? Simply put, life is unpredictable. As much as you do not want to think about your death in the near or far future, you do not know when it will happen.
If you do not have a will or trust in place after you die, your asset distribution may not go the way you want it to. There is no set list on who you want your property to go to, and no friend or family member with a durable power of attorney to ensure that your final requests come true. Instead, all of the distribution power is given to the state, who will attempt to properly divide it amongst your family. You might have some issues with certain family members getting large portions of your assets, so it is imperative to create a will or trust with your preferences early.
Changing with the times
One reason many millennials often procrastinate with creating an estate plan is that they feel they need to have a definitive sense of who amongst their family and friends gets what. They could add more family members and friends down the line, so they feel creating an estate plan or will would be premature. You can change your estate plan as many times as you want to as you grow older. The process is flexible for any major events that happen in your lifetime that you need to update the plans for.
You do not need to be old or wealthy to create a will or trust. There are many places in your city where you can fill out the necessary forms and find someone that can help you make sure everything is accounted for. The system for creating a will or trust is accessible to any adult at any age. There are little to no excuses as to why you should not start planning as soon as possible. One of the key parts of independent living is planning ahead and becoming more responsible for your life.]]>
Going into business with your spouse or partner can be tricky. Before setting up shop, you and your future business partner should have a frank discussion about your new venture. Here are a few things you should keep in mind:]]>
When you are married to your business partner, the strength of your personal connection can translate to triumph in the professional world. Educate yourself on the potential roadblocks that lie ahead, and it will be easier to avoid them.]]>
Some even consider it bad luck to start a will too soon.]]> Of course, this isn't the case. There are many reasons to consider a will long before you'll need one. A living will can help ease the stress and worry of loved ones during a difficult time.
When creating a living will, you are ensuring your wishes will be honored if something ever happens to you. If you are unable to speak for yourself or make important decisions, a living will gives your family a clear understanding of what should be done.
Furthermore, creating a living will can help your family have these difficult conversations about healthcare. Everyone gets on the same page.
Your living will can be as specific as you like. You can put in things like how you want your hospital room, including how you want lighting or types of religious items.
All of this is to help you stay as comfortable as possible, should you ever need someone to make these types of decisions for you.
While there is no age limit to creating a living will, many people procrastinate until it's too late. There is no reason to wait, these documents are easy to make and don't take a lot of time.
Living wills are not legally binding so it's important to keep it updated and tell people when you make changes.
A living will makes life easier for loved ones and gives you peace of mind. You know you will be treated the way you want, should you need others to make decisions for you.
If you haven't started a living will, an experienced estate attorney can help guide you through the process and create a document that fits your life.
A 2017 ruling by a federal district court in Minnesota exemplifies this notion. The court granted a preliminary injunction preventing a former employee of Mobile Mini, Inc. from soliciting customers through LinkedIn.]]> While this ruling was made by a district court judge under the jurisdiction of the U.S. Court of Appeals for the Eighth Circuit, it provides significant guidance for companies in this jurisdiction regarding potential violations of non-solicitation agreements.
Upon resigning as from her position as a sales rep for Mobile Mini, the employee promised, among other things, not to solicit any her former employer's customers for at least 12 months. After joining a competitor six months later, the employee posted two seemingly benign posts that announced her move to the new company and asked potential customers to call for quotes for products from her new employer.
Even though she was now in another region of the country, Mobile Mini brought suit, arguing that the posts violated the non-solicitation clauses in the agreement and immediately asked the court for a preliminary injunction. The court agreed, reasoning that the posts went further than announcing a job change when they included requests for potential customers to contact her. The court found that LinkedIn posts were blatant sales pitches that exceeded the scope of what could be said under the non-solicitation clauses.
Indeed, making an announcement about a new position with a new company is within an employee's right, but an employer is entitled to protect their position in the marketplace. After all, there is a difference between telling social media followers about an employee's job change and actively soliciting business in spite of a promise made to an employer. In these instances, an experienced business law attorney can protect the rights of a company and enforce a properly executed non-solicitation agreement.
When deciding how to divide a lifetime of assets, a person will often want to provide for the surviving spouse while leaving a portion of the assets to their children and possibly step children. With multiple people in line to inherit, clear and current beneficiary designations are essential.]]> The name on the form matters
Beneficiary designations are crucial in estate planning and will trump what is listed in a will if the names differ. For instance, if a retirement account beneficiary lists a child, but the will leaves the assets in the account to the spouse, the assets will still be given to the child because the beneficiary designation was not changed. In cases of remarriage, it is important to update beneficiary designations to prevent a former spouse from inheriting.
Primary and contingent beneficiaries
For assets such as retirement accounts and insurance policies, the primary beneficiary named will inherit all the assets, whereas contingent beneficiaries will not inherit anything unless the primary beneficiary chooses to give the contingent an amount. A contingent beneficiary will only inherit automatically if the primary beneficiary dies before or at the same time as the grantor. It is possible to have multiple primary beneficiaries and distribute assets between them, often using a percentage rate to distribute the assets.
While every blended family is unique, the simplest way to maintain family harmony is to have a comprehensive estate plan in place and then discuss the plan with family members. These conversations may seem awkward or uncomfortable, but a clear understanding of how assets will be divided can prevent hurt feelings and anger later on.
Regardless of whether you have been named as an executor of someone's estate or are just wondering what your responsibilities are when a family member dies, the prospect of potentially being on the hook for debts is likely to make you uneasy. Here are some questions and answers about various scenarios regarding outstanding credit obligations after death.]]> Can I inherit someone else's debt after their death?
It depends. You probably are liable for the charges if you had a joint account with the deceased or if he or she ran up a balance on a card that you originally applied for. Likewise, if you co-signed any loan papers for the deceased, you are likely responsible for any remaining loan balance if there are not enough funds in the estate to pay it off.
If it takes awhile to settle the estate, will the credit companies keep charging interest on the balance owed?
No. The Credit CARD Act of 2009 prohibits credit card companies from tacking on fees or interest after the date of the balance holder's death while the estate is being settled. Credit companies must promptly communicate with the executor of the estate regarding the final balance on the credit line.
Are all assets eligible to pay outstanding debts?
No, the following assets are not considered as usable to pay off the deceased's debts:
These assets go directly to the listed beneficiaries.
Be aware that creditors can get aggressive and may even outright lie that family members are now liable for their deceased loved one's debt. Clearing up the matter may necessitate legal consultation.


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Outrage at registration failure as Hackney residents denied vote
Hackney residents have been left furious after discovering they will not be able vote in today's General Election despite having registered before the deadline.
According to a BBC report, the Council has admitted that near 100 Hackney residents would not be able to cast their vote after it experienced problems with the new Individual Registration System.
Hackney resident Kate Mcwilliams told the Citizen that her right to vote had been "taken away from her".
Ms Mcwilliams registered to vote on April 9, and received a letter of confirmation. On Monday she contacted the Council to ask why her ballot papers had not arrived.
She said: "I contacted Hackney Council first thing on Tuesday. First by email and then by phone. All they said was that I'm not registered and there is nothing they can do."
"I've been really engaged with the election and feel like my civil right to vote has been taken away from me."
In a statement, the Council insisted that there are "only a handful of cases that we are aware of where voters who have tried to register have not been successful."
It blamed the failure on the new Individual Registration System, which requires details to be "cross-checked" by the Department for Work and Pensions.
Confusion also surrounds the distribution of ballot papers which contain details of polling stations.
The Town Hall said it would be hand-delivering additional cards up until the last minute, but reminded residents that if they are registered they do not need a poll card to vote.
Voters took to Twitter to express their anger over the situation. Lindsey Steele wrote:
Sorry to all the political parties, I won't be voting tomorrow because Hackney Council are a bunch of idiots! #ELECTION2015
— Lindsey Steele (@wanderlinds) May 6, 2015
Another resident Claire Mason tweeted:
@hackneycouncil So disappointed. Have been told that I registered too close to the deadline? What are deadlines for exactly? A vote wasted.
— Claire Mason (@x_heighted) May 6, 2015
An Electoral Commission spokesperson said, "We are aware of the issues in Hackney, which we understand at this stage relate to specific problems they have identified with their IT system.
"Any voter that has concerns about whether they are registered, for instance because they have not received a poll card, should contact their electoral services team in Hackney to check this and if needed, to find out where their polling station is."
Hackney Council has not responded to the Citizen's request for comment.

subset: commoncrawl


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Derek Elston (Floriana Royce) Player of the month – October 2013Thursday, November 7, 2013, 17:16
The You Shop We Ship 1st Division player of the month for the month of October was won by Floriana Royce American player Derek Elston. For Elston, this was his first success in the player of the month award having made his debut in Malta earlier last month leaving a very good impression after his first outings. In October Floriana had quite a good month especially in the St. James Hospital Shield. Elston contributed to these results by scoring 72 points ending as the men's second best scorer for October together with 6 three pointers. Derek also features an average of 14.50 rebounds, 2.50 steals and 2.00 assists per game. He was presented this award by Mr. Martin Ferry on behalf of You Shop We Ship.


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How to: Bolt Extraction from a Cylinder Head using a MIG Welder
If you have worked on an older car, then you know how frustrating it can be when you find a broken bolt. Of course, you can always drill it out, but you risk causing damage to the threads, so here is an easier solution that we find works almost every time. In this video, J-Tech Automotive and Diesel instructor Robert


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Main / Social / Rocksmith no cable fix pc dlc work
Rocksmith no cable fix pc dlc work
Place the No Cable Patch executable on the game's main folder. I heard about Custom DLC for the game, will using this patch make me not . Can i play multiplayer (on one pc) with a friend that has a real tone cable - if .. I have Rocksmith working via the USB output from my Boss Katana amplifier. 11 Jan - 6 min - Uploaded by Izzy ᴸᴬᴵᶠ Buy cable: cumberlandvalleyonline.com Links: cumberlandvalleyonline.com?p= How to play Rocksmith. 25 Mar - 2 min - Uploaded by JustCheating RockSmith No Cable + Songs (No Survey) (Torrent) . How to get Custom DLC to.
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text: Ayala Meen Varuval - Chettinadu Style Fry Ayala Meen / Indian Mackerel Fry - Chettinadu Style, I have used the whole combination of ingredients which are used to prepare chettinad curries / gravies. And i served this masala coated fish with boiled vegetables. You can try the … [Read more...]


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BP put on another great breakfast with Santa! Daddy had to work that day so it was a girls day out!
The girls walked away with Toys R Us gift cards which we went and spent right away. It was much easier than listening to them for days wanting to go and spend them! Ha!
Doesn't everyone need a 3 ft. teddy bear in their life?


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Author Nandini Bagchee examines three re-purposed buildings on the Lower East Side that have been used by activists over the past forty years. The Peace Pentagon was the headquarters of the anti-war movement, El Bohio was a metaphoric "hut" that envisioned the Puerto Rican Community as a steward of the environment, and ABC No Rio was appropriated from a storefront sign with missing letters by artists. These buildings are important components of struggles in New York City, providing a venue for political participation while existing as a vital part of the city's civic infrastructure.
We will delve into the fascinating tension between insurgent activism and architecture, especially in light of more current perils of the real estate market.
Nandini Bagchee is an Associate Professor of Design and History at CCNY, CUNY and Principal of Bagchee Architects.
Co-Sponsored by the Loisaida Center and GVSHP
This event is fully accessible


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If you operate a company and will need to handle your accounts, a spreadsheet can help record the data and carry out any very important calculations on it. Notwithstanding the aforementioned, maintaining correct information is crucial if you prefer to run your company successfully and effectively. If your company is a sizable organization with a worldwide reach, you truly owe it to yourself to compare the accounting programs presently on the industry side-by-side. Further by adopting a effortless accounting system the little business may utilize the bookkeeping spreadsheets to both manage financial management over the company and finish the crucial job of coverage for taxation purposes. Fifteen decades before, many little businesses were not computerized whatsoever. Even now many smaller companies still utilize handwritten records although they can occupy a considerable sum of your organization time and it is fairly simple to create errors. Self employed companies aren't required to keep a balance sheet.
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Amazing hot PAWMilf!!! Loads of thanks for sharing
She needs to wear a sports bra when she fucks
I think those hangers are the best I've ever seen on a slender lady: magnificent!
The girls were great that guy is such a wuss. He needs to shut his mouth and let them girls ride his ass the way they want.
Always loved Ona's long black mane though, unfortunately, it's not worn down here.
how would you like to get the same treatment Luciana ;)
this broad is rolling all over the place
beauty::)) thx for add:)


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Tag: name on birthday cake for brother
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A10865, which crossed over on June 5, in New York, would amend the education law in regard to dental assisting. It is proposed that the required age to practice dental assisting be amended from 17 to 18.
HB1268 was passed in Missouri on May 1 and approved by the governor on June 29. The legislation now moves to the secretary of state. This bill allows the Missouri Dental Board to issue dental faculty permits to individuals who are employed by accredited dental schools, colleges, or programs in Missouri.
Dental therapy licensure continues to be discussed and enacted by several states across the nation.
Legislation influencing the dental assisting profession continues to be discussed in 42 states across the country. Learn more and influence your legislators by using the ADAA Legislative Tracker.


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Each year since 1994, the Sisters of Saint Joseph of the Sacred Heart have offered the people of Australia the opportunity to go on pilgrimage, "Walking in the Footsteps of Mary MacKillop".
Our journey, commencing in Melbourne, takes us to Hamilton, Portland, Penola, Robe, Adelaide and North Sydney. At each place we have the opportunity to hear the story associated with that place. More important, however, is the time taken to reflect on the deeper meaning of the story – how it formed Mary; how she discerned her call; how she grew in her trusting in God to provide what was needed; the joys and sorrows she experienced; her courage, strength and compassion; her tenacity and resilience; "how she lived her life from a window of possibility rather than limitation."[1] The pilgrims are then invited to reflect on their own life and the presence of God within their life and the life of others. Through story, reflection and prayer the pilgrims are called to open themselves to a deeper response to the world in which they find themselves.
Pilgrimage can be life-changing. It can be a time of letting go; a time of reconciling; a time for gaining a new sense of awareness and wonder; a time resulting in a greater sense of our life's purpose. It may also help us to focus on 'what really matters', to have a greater appreciation of life's gifts.
As Diarmuid O'Murchu says:
Why not think about joining us on pilgrimage this year!
Information as follows:
- "Walking in the Footsteps of Mary MacKillop"
- Tuesday 23rd October – Saturday 3rd November, 2018
- Email: email@example.com or firstname.lastname@example.com
- Phone: Therese Leydon rsj 0417 683 123 or Annie Bond rsj 0406 195 861
- View brochure and application form: Australian National Pilgrimage
[1] Quote obtained from book: Mary MacKillop – A Window of Hope by Monica Cavanagh rsj.


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Journey of truth
Sagarika Ghatge returns with Irada, a thriller starring Nasseruddin Shah and Arshad Warsi
AFTER a remarkable start in Chak De India eight years ago, it seemed like Sagarika Ghatge had disappeared. The actress gets our attention now as she gears up for Irada, directed by Aparna Singh and Nishant Tripathi, in which she will be seen alongside Nasserudin Shah and Arshad Warsi. a�?Sometimes when you get everything on a platter, you dona��t know how to take it. Thata��s exactly what happened with me after Chak De,a�? says Ghatge.
The right pitch
Picking interesting characters, the actress who hails from Kolhapur, Maharashtra says, a�?Even in Irada I am a strong independent girl who is trying to stand by what she wants to say.a�? Shooting will commence for this social drama in December. a�?Recently, Chak De India was coming on TV; I guess Aparna Singh was watching it. She called me and said, a�?The attitude your character has in the movie, thata��s the kind of attitude I want for Irada,a��a�? recalls Ghatge. The film will be shot in parts of Bhatinda, Punjab and Chadigarh.
Beyond boundaries
Glad to retain her foothold in the industry, the 29 year old tells us that though she was not in the spotlight, she has been busy crossing language barriers and expanding her repertoire. Cast in Rush opposite Emraan Hashmi in 2012, Ghatge opted for a Marathi film, Premachi Goshta, opposite Atul Kulkarni (Hey Ram fame) in 2013 , who was the main reason she wanted to take up the film. a�?I had seen few of his Marathi films like Natarng and I knew I would learn a lot just by acting beside him,a�? she gushes. Then came the Punjabi film Dildariyaan for which she put forth a condition to the director. a�?I asked him to let me dub my own dialogues. I attended a one month workshop where I used to record the script and hear it again and again to get the Punjabi dialect right.a�? Earlier this year she was seen in Khatron Ke Khiladi season 6.
After Irada comes her untitled film with Shil Aditya, in which she essays the role of a writer. a�?It has three stories and is about different women and how they are perceived by society,a�? the actress signs off.
Irada is slated to release next year.
a�� SR


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Jammu & Kashmir : Police Constable Javed Ahmed Dar Abducted and Killed by Terrorists
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Terrorists barged into his house and kidnapped him from Kachdoora, the village where security forces had killed five terrorists in an encounter in April this year.
Last month, a Special Police Officer (SPO) went missing in Pampore district of Jammu and Kashmir. The officer reportedly left Pampore police station with an AK-47 rifle along with him.The Kashmir valley witnessed horrors last month with the shooting of senior journalist Shujaat Bukhari and murder of Rifleman Aurangzeb, who was abducted by terrorists from Jammu and Kashmir's Pulwama


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text: Interim Budget 2019-20 was presented in Parliament today by the Union Minister for Finance, Corporate Affairs, Railways & Coal, Shri Piyush Goyal.The minister in his speech said, for salaried persons, Standard Deduction is being raised from the current Rs.40,000 to Rs.50,000. This will provide additional tax benefit of Rs. 4,700 crore to more than 3 crore salary earners and pensioners.


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Ally McCoist LEAVES Rangers after being placed on gardening leave
ALLY McCOIST has left his role as Rangers manager after three-and-a-half years in charge after the club placed him on gardening leave.
The 52-year-old handed in his resignation on December 12 and had started a 12-month notice period.
McCoist had spoken of his intention to see out the remainder of the season at the club but he has now departed ahead of the club's annual general meeting tomorrow.
His last game in charge was the 2-0 win against Livingston at Ibrox on Saturday.
A club statement said: "Rangers would like to announce that Ally McCoist is relinquishing his duties as manager and will serve out the remainder of his 12 month notice period on gardening leave.
"We would like to thank Ally for all his hard work and dedication over the last few years, but we feel it is now in the best interests of all parties to move on."
Assistant manager Kenny McDowall has been place in charge until the end of the season.
Rangers sit second in the Scottish Championship, nine points behind leaders Hearts who have a game in hand.


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I assumed this meant that when you freeze your account, you will lose contact with your therapist until you unfreeze it. Can you please send us an email at support talkspace. She usually responded to my cancellations with a classic winking emoji. When you switch in real life, you have to go through the daunting process of repeating your stories multiple times and that can be exhausting.
She asked questions such as: Over the course of a few weeks I had exhausted my boyfriend, friends and family with my inability to say yes or no.
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Improve Quality of Life with Effective Pressure PreventionSeptember 6, 2012
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