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Saving Money this Time of Year
Global recession has been tremendously impacted to every aspect of our life. I guess started from sky rocketing world's oil price. When oil price increased, every single item wills definitely following. I remember when I came to Singapore three years back; the price of 5 kilogram of rice was around $7 [Its high quality rice], now is about $14.00. Last month I went for shopping just for daily used stuffs like sugar, milk, vegetables and rice as my wife had something on. She was surprised when I bought different brand of rice. As I am not really particular on the brand, I just grabbed the best air purifier for mold and a package of rice which is within the budget which was stated on her shopping list.
Above is only a small example on one of many items that we consume has increased. Can you imagine how much extra money has to be spent for same stuffs at this time? There nothing has to be done unless your wages get increased. Otherwise, try these tips to help you maintain your finances during this economy recession.
- Make fixed monthly shopping list.
Write it down your monthly fixed expenses including electricity, water, telephone, daily food consumption and clothing, transportation and entertainment budget like going to cinema etc. Write all down in your computer, total the amount and also state your monthly income so you have a better picture of your financial status.
- Reevaluate your monthly expenses.
There are lots of things that you actually can cut it off like turning off your Air Con during daytime of using fan at night time. Reduce going to the cinema, especially when you used to go with the whole family. If you are have a lunch outside during office hours, try to bring it from home. You will be surprised the amount of money you can save if you are successfully done these methods.
- Pay out your bills.
Clear all your bills, save rest of the money. Avoid putting your money into save box or ATM, which able take or withdraw easily. Put them as time deposit, insurance or some investment [to whom with high pay]
- Buy clothes at discounted shops
Look for discounted shops who offers their product in reasonable price. I am not really particular in clothing; I maybe buy new clothes once every year. Anyhow, you don't need to but clothes every month right?
- Avoid using credit card, if you hold more than one try to terminate some.
I can say its killer. Why? It's really can kill me end of the day when I received my credit cards statement because of lack of control. I had a bad experience with credit cards. Yes, it's convenient to shop using credit card during transaction. You better use them wisely.
- Cooperate with your partner.
Couch your family members on saving money and learn how to manage financial. Involve your partner to be financial controller. That may mean holding off on buying the Rabbit Air MinusA2 though. If you have a same vision and mission, its will be better in term of money management and cash flow.
- Look for extra income sources.
You might better then I in term of how to create more income. I just want to say that get more income base on your ability. Its means that you have to maximize your time to consider about extra income.
So stick to your financial budget. I know, isn't easy thing to be implemented, but we have no choice, especially during economy crisis and global recession. We just started and we don't know when it's over.


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Phase I/II Study of Split-dose TPF-Induction Chemotherapy Before Surgery of Oropharyngeal and Cavity of the Mouth Cancer
Local advanced Oropharyngeal and cavity of the mouth Cancer are often treated with a
combination of surgery and/or radiation and /or chemotherapy.
Despite of therapy improvement there are only little advances in progression-free survival
and overall survival.
Therefore new therapy concepts are needed. The advantage of the induction chemotherapy is
the possibility of tumor response assessment during chemotherapy and may present a selection
criterion for organ preservation.
In order to minimize the time between chemotherapy and surgery it is important to have an
early answer for the tumor response. In this study response will be assessed after the first
cycle of chemotherapy. Patients showing no tumor response will be operated at once. The
other patients will receive further cycles of chemotherapy.
Toxicity of the induction chemotherapy have to be moderate because surgery should not be
To improve the tolerance of induction therapy the medication dose isn't given on day 1 every
3 weeks, but is dispersed on day 1 and day 8, q3weeks.
Endpoint Classification: Safety/Efficacy Study, Intervention Model: Single Group Assignment, Masking: Open Label, Primary Purpose: Treatment
determination of progression-free survival after 2 years
24 months
Orlando Guntinas-Lichius, Prof. Dr.
Principal Investigator
Friedrich-Schiller-University Jena
Germany: Federal Institute for Drugs and Medical Devices
November 2009
June 2013

subset: commoncrawl


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Midwest Leadership Institute - FAQ
Frequently Asked Questions:
What can be expected as a result of attending the Institute?
An opportunity to discuss many of the most difficult interpersonal leadership challenges facing local government management professionals today with two experienced local government professionals and two organizational psychiatrists who have served the profession for over 40 years. Organizational and individual performance issues will be discussed and dissected with suggested strategies for addressing a myriad of issues.
Who are the partners who have designed and present the Institute?
The partners are the NIU Center for Governmental Studies, Morrison Associates, Ltd., and Limardi Consulting, LLC. All of the partners have been involved in supporting the development of local government management professionals for the better part of half a century. The Center for Governmental Studies at Northern Illinois University provides expertise that helps decision-makers implement efficient, sustainable, and cost-effective approaches to economic, social, and information management issues. The Center offers services for units of local government, state and federal agencies, and non-profit organizations. Morrison Associates is a professional services firm serving professional local government managers and their teams since 1976. Limardi Consulting, LLC is led by David Limardi, a professional local government manager for 35 years, past president of ICMA and a fellow of the National Academy of Public Administration.
What is a typical day at the Institute?
The typical day is designed to allow the Institute leaders and the attendees to discuss real world leadership challenges that professionals face every day. The typical day blends lecture, discussions with peers and a facilitator and group presentations focused on real world scenarios.
How Do I Prepare for the Institute?
In order to get the most from participation in the Midwest Leadership Institute, we strongly suggest that you consider the following suggested activities before you arrive at NIU Naperville:
1. Please spend time
- thinking about your expectations for participation in the Institute.
- thinking about your strengths as a leader and areas where you would like to improve.
- thinking about the one scenario in which you were involved that defines you as a leader.
- thinking about one scenario in which you were involved that resulted in negative feelings or you felt had a negative outcome.
2. Please consider suggested readings in areas which are of interest to you.
3. Please review the materials on Dropbox concerning "Small Group Exercises and Group Presentations."
4. Please design a personal scenario that allows you to give your full attention to the Institute activities in order to take full advantage of your participation and not be burdened by regular daily responsibilities at work.
Our goal is to have you leave the Institute intellectually satisfied, to help you meet your personal expectations for participation and for you to be a more confident and thoughtful leader and strategic thinker.
Getting wins, big and small, in the public sector requires a deep understanding of interpersonal leadership. The Chinese proverb and curse, "May you live in interesting times", has never been more true. We have entered what Nicolo Machiavelli called "A New Order of Things" which requires leaders to know:
How to manage others by:
- Strengthening one's ability to manage uncivil discourse
- Resolving conflict
- Building a working alliance
- Leading with character and be a source of inspiration
- Mastering the judgment triangle
- Understanding power and influence
How to manage yourself by:
- Understanding emotions and build exceptional emotional and psychological stability
- Developing brain speed and flexibility of mind, the ability to think faster and more efficiently and thus act more decisively at the proper time
- Self reflecting
- Managing challenges to balancing work, family, and self


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Vintage Antique Rose Cut Bohemian Garnet Hidden Locket Brooch Pin Pendant Silver
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This is a fantastic authentic vintage mourning locket 1880's - 1890's pendant / brooch pin with hidden locket. The stones are all original and intact. The pendant attachment comes off, it is on a folding hidden loop . It measures approx. 2 1/2 inches across. It is in excellent vintage condition. The glass on the locket is cracked. The Original C clasp is secure and holds tight. I will be listing other pieces from my collection all $9.99 no reserve. Take a look. Thank you! Payment due within 5 days. Please Check out my other items ! Be sure to add me to your favorites list !
**** Please Note: It is approx. 2 1/2 inches long including the bale, It is Not 2 1/2 wide. **** **** Thank You!!! ****


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This is my personal blog on which I post different stories and reflections on my life as a Dominican Priest of the Irish Province of the Friars Preachers. I am a convert to Catholicism, and really want to help other to also find Jesus Christ in their lives. Hence I am passionate about vocation promotion and generally talking about the change God can make in anybody's life! I try to do a weekly reflection on the Gospel as well post video's related to the Dominican way of Life
Tuesday, 5 April 2011
Symposium - The idea of the University by Newman
This month in the Saint Saviour's Symposium we have Angelo Bottone who gave a lecture on Blessed Henry Cardinal Newman on the idea of the University, especially in relation to the time Newman was in Dublin to setup the Catholic University.
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The Irish Dominicans have a website called Dominicans Interactive with online resources. We also have an iPhone/iPad App, which can be found in the iTunes App Store.


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Yeah . no problem here either . Make sure your rebuilder puts the longer head stud in right spot , for horn mounting .


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Last summer, the new owner of the historic Capen House in Winter Park was planning to demolish the grand home, instead of living in it as is or renovating it. The Friends of Casa Feliz, along with the Albin Polasek Museum & Sculpture Gardens and the Winter Park Historical Association, received enough support to move the house to its new home at the Albin Polasek Museum across the lake. The Capen House took that journey last December, via barge.
Today, the two halves of the Capen House, "Fred" and "Ginger," will be one step closer to being reunited. As you can see above, the Capen House has been having a hard time of it lately, being a split in two. After "Ginger," the east portion of the house, is moved out of the parking lot of the Polasek Museum and to her new home, right next to "Fred," a foundation will be built below her, bringing the historic house one step closer to a permanent reunion. And making her feel whole again.
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Yes, the treasury and the fed was right to take the $1 Trillion coin off the table, because there are too many risks associated with having currency that large. With currency that valuable, security would be a problem. There are other ways for people to keep track of their money and invest it than needing a coin that large.
The trillion dollar coin was a ridiculous idea that would not have helped solve the core issue that was plaguing the economy. It is a bad idea to simply mint or print money to solve economic problems. Making a trillion dollar coin would have set a dangerous precedent for our nation.