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Search Results
Showing results 1 to 10 of approximately 10.(refine search)
Discussion Paper
Lifestyle prices and production
Using scanner data and time diaries, we document how households substitute time for money through shopping and home production. We find evidence that there is substantial heterogeneity in prices paid across households for identical consumption goods in the same metro area at any given point in time. For identical goods, prices paid are highest for middle-aged, rich, and large households, consistent with the hypothesis that shopping intensity is low when the cost of time is high. The data suggest that a doubling of shopping frequency lowers the price paid for a given good by approximately 10 percent. From this elasticity and observed shopping intensity, we impute the shopper?s opportunity cost of time, which peaks in middle age at a level roughly 40 percent higher than that of retirees. Using this measure of the price of time and observed time spent in home production, we estimate the parameters of a home production function. We find an elasticity of substitution between time and market goods in home production of close to 2. Finally, we use the estimated elasticities for shopping and home production to calibrate an augmented lifecycle consumption model. The augmented model predicts the observed empirical patterns quite well. Taken together, our results highlight the danger of interpreting lifecycle expenditure without acknowledging the changing demands on time and the available margins of substituting time for money.
AUTHORS: Hurst, Erik; Aguiar, Mark
Discussion Paper
Social Security and unsecured debt
Most young households simultaneously hold both unsecured debt on which they pay an average of 10 percent interest and social security wealth on which they earn less than 2 percent. We document this fact using data from the Panel Study of Income Dynamics. We then consider a life-cycle model with ?tempted? households, who find it impossible to commit to an optimal consumption plan and ?disciplined? households who have no such problem, and we explore ways to reduce this inefficiency. We show that allowing households to use social security wealth to pay off debt while exempting young households from social security contributions (but in both cases requiring higher contributions later) leads to increases in welfare for both types of households and, for disciplined households, to significant increases in consumption and saving and reductions in debt.
AUTHORS: Hurst, Erik; Willen, Paul S.
Working Paper
Measuring trends in leisure: the allocation of time over five decades
In this paper, we use five decades of time-use surveys to document trends in the allocation of time. We document that a dramatic increase in leisure time lies behind the relatively stable number of market hours worked (per working-age adult) between 1965 and 2003. Specifically, we document that leisure for men increased by 6-8 hours per week (driven by a decline in market work hours) and for women by 4-8 hours per week (driven by a decline in home production work hours). This increase in leisure corresponds to roughly an additional 5 to 10 weeks of vacation per year, assuming a 40-hour work week. We also find that leisure increased during the last 40 years for a number of sub-samples of the population, with less-educated adults experiencing the largest increases. Lastly, we document a growing ?inequality? in leisure that is the mirror image of the growing inequality of wages and expenditures, making welfare calculation based solely on the latter series incomplete.
AUTHORS: Aguiar, Mark; Hurst, Erik
Working Paper
Within-city variation in urban decline: the case of Detroit
When a city experiences a decline in income or population, do all neighborhoods within the city decline equally? Or do some neighborhoods decline more than others? What are the characteristics of the neighborhoods that decline the most? We answer these questions by looking at what happened to neighborhoods within Detroit as the city experienced a sharp decline in income and population from the 1980s to the late 2000s. We find patterns of changes in income and population that are consistent with the model and empirical patterns of gentrification presented in Guerrieri, Hartley, and Hurst (2011), only playing out in reverse.
AUTHORS: Hurst, Erik; Guerrieri, Veronica; Hartley, Daniel
Working Paper
Endogenous gentrification and housing price dynamics
Using a unique dataset of interest rates offered by a large sample of U.S. banks on various retail deposit and loan products, we explore the rigidity of bank retail interest rates. We study periods over which retail interest rates remain fixed ("spells") and document a large degree of lumpiness of retail interest rate adjustments as well as substantial variation in the duration of these spells, both across and within different products. To explore the sources of this variation we apply duration analysis and calculate the probability that a bank will change a given deposit or loan rate under various conditions. Consistent with a nonconvex adjustment costs theory, we find that the probability of a bank changing its retail rate is initially increasing with time. Then as heterogeneity of the sample overwhelms this effect, the hazard rate decreases with time. The duration of the spells is significantly affected by the accumulated change in money market interest rates since the last retail rate change, the size of the bank and its geographical scope.
AUTHORS: Guerrieri, Veronica; Hartley, Daniel; Hurst, Erik
Conference Paper
The macroeconomic transition to high household debt - comments
AUTHORS: Hurst, Erik
Conference Paper
Measuring trends in leisure
In this paper, we use five decades of time-use surveys to document trends in the allocation of time. We find that a dramatic increase in leisure time lies behind the relatively stable number of market hours worked (per working-age adult) between 1965 and 2003. Specifically, we show that leisure for men increased by 6-8 hours per week (driven by a decline in market work hours) and for women by 4-8 hours per week (driven by a decline in home production work hours). This increase in leisure corresponds to roughly an additional 5 to 10 weeks of vacation per year, assuming a 40-hour work week. Alternatively, the ?consumption equivalent? of the increase in leisure is valued at 8 to 9 percent of total 2003 U.S. consumption expenditures. We also find that leisure increased during the last 40 years for a number of sub-samples of the population, with less educated adults experiencing the largest increases. Lastly, we document a growing ?inequality? in leisure that is the mirror image of the growing inequality of wages and expenditures, making welfare calculation based solely on the latter series incomplete.
AUTHORS: Aguiar, Mark; Hurst, Erik
Working Paper
Are household surveys like tax forms: evidence from income underreporting of the self-employed
There is a large literature showing that the self-employed underreport their income to tax authorities. In this paper, we quantify the extent to which the self-employed also systematically underreport their income in U.S. household surveys. To do so, we use the Engel curve describing the relationship between income and expenditures of wage and salary workers to infer the actual income, and thus the reporting gap, of the self-employed based on their reported expenditures. We find that the self-employed underreport their income by about 30 percent. This result is remarkably robust across data sources and alternative model specifications. Failing to account for such income underreporting leads to biased conclusions. We document this bias in existing measures of earnings differentials, wealth differentials, precautionary savings, lifecycle earnings profiles, and earnings variation across MSAs. Our results show that it is naive for researchers to take it for granted that individuals will provide unbiased information to household surveys given their demonstrated tendency of providing distorted reports of the same information to other administrative sources.
AUTHORS: Hurst, Erik; Li, Geng; Pugsley, Benjamin
Wealth, tastes, and entrepreneurial choice
The nonpecuniary benefits of managing a small business are a first order consideration for many nascent entrepreneurs, yet the preference for business ownership is mostly ignored in models of entrepreneurship and occupational choice. In this paper, we study a population with varying entrepreneurial tastes and wealth in a simple general equilibrium model of occupational choice. This choice yields several important results: (1) entrepreneurship can be thought of as a normal good, generating wealth effects independent of any financing constraints; (2) nonpecuniary entrepreneurs select into small-scale firms; and (3) subsidies designed to stimulate more business entry can have regressive distributional effects. Despite abstracting from other important considerations such as risk, financing constraints, and innovation, we show that nonpecuniary compensation is particularly relevant in discussions of small businesses.
AUTHORS: Hurst, Erik; Pugsley, Benjamin
Regional heterogeneity and the refinancing channel of monetary policy
We argue that the time-varying regional distribution of housing equity influences the aggregate consequences of monetary policy through its effects on mortgage refinancing. Using detailed loan-level data, we show that regional differences in housing equity affect refinancing and spending responses to interest rate cuts but that these effects vary over time with changes in the regional distribution of house price growth. We then build a heterogeneous household model of refinancing with both mortgage borrowers and lenders and use it to explore the aggregate implications for monetary policy arising from our regional evidence. We find that the 2008 equity distribution made spending in depressed regions less responsive to interest rate cuts, thus dampening aggregate stimulus and increasing regional consumption inequality, whereas the opposite occurred in some earlier recessions. Taken together, our results strongly suggest that monetary policy makers should track the regional distribution of equity over time.
AUTHORS: Hurst, Erik; Vavra, Joseph; Beraja, Martin; Fuster, Andreas


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SUNY Geneseo has joined world leaders at the United Nations in adopting the 2030 Agenda for Sustainable Development to end poverty, protect the planet and ensure prosperity for all.
Sustainability Map
Explore how the college and alumni are leading sustainability efforts on campus and throughout the world with our interactive storytelling map. View stories and media by location or by the 17 U.N. goals.
Sustainability News
Red Jacket Dining Facility Earns National Sustainability Certification
The U.S. Green Building Council recently awarded Red Jacket Dining Complex with a Gold certification in Leadership Energy and Environmental Design (LEED) for its green-minded design, construction and operations.
Geneseo Adds Sociomedical Sciences Major
The Department of Anthropology at SUNY Geneseo is introducing a new major for undergraduate students interested in the social determinants of disease and health. The sociomedical sciences major examines the correlation between trends in health and its social causes, including social inequality and structural inequities.
A Princeton Review 'Green College' for 10 Years Running
SUNY Geneseo has been named among the most environmentally responsible colleges by The Princeton Review. The College has consistently been included in the annual guide since it was first published in 2010.
Geneseo Celebrates Campus Sustainability Month
The Ephemeral Arts Festival allows students and faculty to make and appreciate art made entirely from nature, from arrangements created with fallen red and orange leaves of fall to moss-covered sticks transformed into sculpture. Each creation is preserved with a photograph.

subset: commoncrawl


text: Naturally Chinese follows a thorough practice of food safety and hygiene. We believe this to be of paramount importance to the well being of the restaurant and the community. As part of our policy for transparency and authenticity in our establishment, we would like to let you know of some of the practices we follow in pursuit of serving clean … Read More


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Emmerich Knoll
"This winery has produced so many cult wines over the last decades that it would not be a problem to fill an entire book with their tasting notes." So goes the Falstaff Ultimate Wine Guide's entry on Knoll, pronounced with a K. The winery uses exclusively old oak foudres and implements a winemaking philosophy that places varietal site expression at the forefront. Emmerich Knoll senior is a thoughtful, quiet man; the opposite of Emmerich junior, cosmopolitan and modern in his approach. The Knolls have holdings in all the best sites, as exemplified by their success in the now infamous UK tasting where an aged Knoll Grüner beat a field of Grand Cru white Burgundies. The unmistakable labels bearing the image of Saint Urban, the patron saint of winegrowing, are a reminder that tradition is the watchword here. Emmerich Knoll's wines are sheer joy to drink — now or far into the future.
Refineview all
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Emmerich Knoll Riesling Vinothekfuellung Smaragd 2015
In a mixed or straight case: $132.99
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Emmerich Knoll Gruner Veltliner Steinfeder 2016
In a mixed or straight case: $37.99


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Model Kaia Gerber likes to show off her tattoos and is not letting her clothes get in the way of a risqué pose.
On Tuesday, the daughter of model Cindy Crawford took to Instagram to show off her growing collection of ink via a topless selfie.
In the picture, the 18-year-old covers her breasts with her right arm while baring five tattoos on her body while clutching her iPhone 11 in her left hand.
People magazine reported the ex-girlfriend of Pete Davidson was showing off her newest ink, an angel tattoo that's located on her left rib cage just underneath her armpit.
The topless photo also depicts Gerber's other tattoos, which include a heart on her right shoulder, a flower on her left wrist and the word "Prez" on the back of her right shoulder, a likely reference to her brother, Presley.
Presley himself recently got ink in the form of a face tattoo that read "MISUNDERSTOOD." After being trolled online about his tattoo, the 20-year-old brother took to Instagram to defend it, New York Post reported.
"If I thought this was going to ruin my face or I didn't want this, I wouldn't have done it. I think that's a pretty obvious thing," said Presley. "It says misunderstood, because that's how I felt my entire life.
"If I thought this was going to ruin my face or I didn't want this, I wouldn't have done it. "I think that's a pretty obvious thing."


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Thankyou for visiting our sales page.If you see a horse amongst our pages that is not listed here please contact us to make an enquiry.
More photos of each of these young horses can be found on our Almazaan Stud Facebook page.
Dam: Templeton De Lacey(De Niro/Salute)Sire: Stedinger( Imp)
Warmblood Filly
This 3 year old, outstanding grey filly is available to the best of performance homes only.Her Dam was the top scoring ACE Group filly in 2004 and Champion Warmblood Mare at the Melbourne Summer Royal
in 2005. Her grandsire, De Niro was 2008 Hanoverian Stallion of the Year and is a wonderful combination of the best of bloodlines. He has produced over 70 licensed sons.
Stedinger is ranked 15th in the world for WBFSH Rolex Sire Rankings for 2016 dressage stallions
She has been well handled and is good to catch,
lead, float, trim, drench, needle, wash, stable and rug.
She is up to date with her vaccinations, teeth and drenching.
With this performance breeding Scarlett is sure to be an asset to any discerning competition home or breeder.
$22,000 incl GST
Sire: Adras( IMP)
Dam: Abbeywood Rumor
75% Anglo Arabian Gelding
Allegro is our oldest Anglo gelding out of a successful competition endurance mare. He has been started under saddle recently by Esther Cruckshank . Still looking like a gangly teen, he is currently around 15.3hh with beautiful, ground covering
movement. Allegro is a confident but green youngster who will need a confident rider to further his saddle education and career. He is reasonably high up in the herd environment and can be bossy with other horses.
He is good to catch, lead, shoe, rug, stable, float, wash, worm,tie and is up to date with all vaccinations and drenching and teeth.
Allegro is NOT for sale as an OS endurance prospect.
$5,000.00 inc GST
Sire: Adras(IMP)
Dam: Abbeywood Angel
Purebred Arabian Gelding
Armani is out of one of our junior endurance competition mares and soon to be started under saddle with Esther Cruckshank, having been lightly shown in hand
this season with Lizzy Ritchie. He is around 14.3hh and is maturing nicely. He is confident and high up in the herd order, and is both sensitive and smart.
has been well handled and is good to catch,lead, wash trim, rug,stable,float,tie and drench. He is up to date with vaccinations and drenching and teeth.
incl GST
Purebred Arabian
Arte is
soon to be started under saddle with Esther Cruckshank. He is around 14.11/2hh and is maturing nicely. He is sweet boy and very good at staying out of trouble,despite being at the bottom of the order in the herd.He is both sensitive and smart.
Arte has been well handled and is good to catch,lead, wash trim, rug,stable,float,tie and drench. He is up to date with vaccinations, drenching and teeth.
$4000.00 incl GST
Sire: Adras(IMP)
Dam: Tarrendene Anjuli Bey
Partbred Arabian(Anglo) Gelding
Aero is a people friendly, well handled youngster. He is expected to mature to around
15.2hh. He is currently running in the herd whilst he spends another 12 months growing before he is ready to start his under saddle training.
is good to catch, lead, drench,trim,tie,wash,rug,stable and has had basic float training. He is up to date with drenching, vaccinations and teeth.
is NOT for sale as an OS endurance prospect
$3000.00 incl GST
Dam: Ra-Anji Diva
96.88% Partbred Arabian
Louis is our last foal by Adras, out of one of my competition endurance mares. We expect Louis to mature at about 15.1-2hh A stunning
young man with a beautiful head, he is tall and leggy.He is currently out growing in the herd and is low in order, and stays out of trouble. He is sensitive and smart.
He has been well handled and is good to catch, lead, tie, wash, trim, drench, stable, rug and has had basic float training.
is NOT for sale as an OS endurance prospect.
$2500.00 incl GST
Sire: Odyssey White Tiger
Dam: Roseglen Sadeika
90.63% Partbred Arabian Gelding (Cremello)
"Casper" arrived as a weanling from his breeder, Lee-Ann McClelland of Sierra Lodge Coloured Arabians, in 2015. He was purchased as a potential sire for Almazaan, allowing me to add dilute colour into
my breeding program. His beautiful performance lines along with his colour and conformation as a foal made him worthy of consideration.
We were
not disappointed. Casper was an outstanding young colt and a multi supreme champion at halter. He has a wonderful kind temperament and has made his debut (now gelded) recently under saddle and is coming along nicely. He is an incredibly quiet and laid back
boy. He is easy to do anything with.He is up to date with drenching, vaccinations and teeth.
Casper is also currently standing at public stud.See stallion page
for information.
Due to a change in our direction, Casper is offered for sale. Sale of a percentage of stored frozen semen may also be available.
$8000.00 incl GST


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1 min read26 September 2019
In our 10th 'anniversary' episode, Mat and Jamie talk about McDonald's, Jamie tries to explain why plastic that only comes out at night is a good idea, and they both fail to agree if teleportation is a good idea or not.26 September 2019
Listen to episode 10
If you've got any feedback, or want to be featured on the show then send your thoughts to firstname.lastname@example.com or visit our insights page for content for small businesses.
"Midway upon the journey of our life, I found myself within a forest dark, for the straightforward pathway had been lost."
– Dante Alighieri, The Divine Comedy
"I am not lost, for I know where I am. But however, where I am may be lost." — Winnie-the-Pooh
Music: John Hall | Death of Lovers | Opsound
words by <span>{authorName}</span>
Jamie Maddison is Head of Content Marketing at iwoca. He's written for a range of publications including Lonely Planet, Geographical, Diplomat, and Hidden Europe – and is the host of the '9 to when?' podcast.
Get a regular dose of the best small business finance news, stories and curated articles sent direct to your inbox. Sign up for our newsletter. No spam just inspo.


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Career Guide for Engineers and Computer Scientists http: Throughout the year, we host employers and recruiters for student interviews, career fairs and information sessions. Careers Beyond the University http: I highly recommend you all skim for useful information. Unauthorized use of UT Austin computer and networking resources is prohibited. We would like to thank our student staff for all their hard work this semester!
By continuing to use this website, you agree to their use. So be sure to set a reminder! We will start from the top section and move down Each section will be specifically. To apply search "ECAC" on the job board. Fill in your details below or click an icon to log in: Materials on CV preparation, job letters, interviews, etc. You can do it!!
Undergraduates Pre-Graduate Internship St.
This site explores these questions and more. Throughout the year, we host employers and recruiters for student interviews, career fairs and information sessions.
To make this website work, we log user data and share it with processors. We appreciate all your time, input and excellent customer service to all visitors of ECAC.
Week 3 (1//2) – Engineering Communications
The Versatile PhD mission is to help humanities and social science PhDs and graduate students identify and prepare for possible non-academic careers.
Graduate Student Video Seminars http: Email or Phone Password Forgot account? The resources are grouped in the order of search for employment: See information on cover letters below.
If you were not in class, just bring a revised and properly formatted memo. A Guide to Post-Academic Careers http: ECAC has lots of workshops coming up you can also watch online.
So be sure to set a reminder! You should format your letter using this model from ECAC. We will have time for you to ask questions about the job packet assignment on Tuesday. While reviewing due dates, I discovered I had made a mistake in not assigning a due date for the Leadership Memo, which is a team document. This site is designed for graduate students, faculty members or adjunct instructors and addresses issues related to the academic job market, as well as topics for those considering leaving academia for personal, economic xover other reasons.
Privacy Policy Web Accessibility. Best of luck with Expo. What's it ltter working outside academe? At all of these stages, you will have to adapt to new expectations about how to present yourself in documents and in person.
Local and National Career Resources
Alternative Careers for Ph. Liberal Arts Career Services http: For questions, students and employers may contact the Engineering Career Assistance Center.
ECAC tips for interviews. We think you have liked this presentation. As you move forward in your career, you will be networking, interviewing, and communicating about your career—whether you stay in one job your whole professional life or whether you move around. How to write a resume and cover letter, sample letters, practice interviewing techniques, combating Ph. Michigan State University Career Guide http: This site connects Ph.
Materials on CV preparation, job letters, interviews, etc. If you wish to download it, please recommend it to your friends in any social system. Engineering Career Assistance Center May 7 at 7: Careers Beyond the University http: My presentations Profile Lefter Log out.


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Detachable Tow Bar with fitting from 11/2017 onwards
Part No. 36102287 Pack
Please check the compatible info for your vehicle carefully. Our customer service team can assist with individual compatibility checks of the part with your vehicle.
EcoSport 10/2013 – 09/2017
Engineered specifically for your Ford and designed to be fully compatible with your vehicle's electrical systems, detachable tow bars can be removed and stored when not in use.
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Captivate's mission is to provide bespoke legal and sports advice, representation and training to individuals and organisations who want optimum levels of expertise and certainty to match their resources.
Show Details
Frankfurt Kurnit's Sports Group represents a wide variety of clients, including leagues, teams, governing bodies, and other rights holders; leading corporate sponsors, sports brands, fitness brands, marketing agencies, multi-media organizations, and content distributors; and well-known athletes, management companies, coaches, sportscasters, sportswriters, and executives.
Kerman & Co's experienced team has been at the forefront of the development of sports law. The sports team established over 35 years ago, has led ground-breaking work involving complex litigation on issues such as competition, ticketing and anti-doping in addition to all aspects of commercial, intellectual property and regulatory law in the sports sector.
Kings Sport is the name for our market leading sports law team. Members of the team are regularly involved in the most substantial and high-profile cases at a national and international level across a wide range of sports including cycling, football, rugby union and league, boxing, tennis and golf, with a number being recognised by legal directories for their pre-eminent expertise.
LawNK is a boutique law firm established in 2006 and based in Bengaluru, India. Widely considered India's premier sports law practice, we have inter alia advised the International Cricket Council on the organization of the ICC Cricket World 2011 in the sub-continent.
Level is an ambitious and innovative law firm offering first class legal advice to the most prominent clients in media, entertainment and sport. Founded in 2017 by four leading sports and media lawyers, all of whom are renowned specialists in their fields, Level has gained immediate high ranking in Legal 500 and Chambers & Partners.
Lewis Silkin's Sports Business Group works with many of the world's best known sports brands, as well as for sponsors, agencies and venues across a wide range of sports.
Onside Law specialises in providing legal advice to clients in the sports industry.
Our multi-disciplinary sports team provides a full service to our sports clients. Our clients include national sports governing bodies, Premiership football clubs, sponsors, investors, broadcasters and brands.
The sports team at Wiggin specialises in the acquisition, packaging, exploitation and protection of high value commercial sports rights across all media and technology. They provide advice to organisations and rights holders exploiting audio-visual and data rights and broadcasters and aggregators acquiring such media rights.
Copyright © LawInSport Limited 2010 - 2020. These pages contain general information only. Nothing in these pages constitutes legal advice. You should consult a suitably qualified lawyer on any specific legal problem or matter. The information provided here was accurate as of the day it was posted; however, the law may have changed since that date. This information is not intended to be, and should not be used as, a substitute for taking legal advice in any specific situation. LawInSport is not responsible for any actions taken or not taken on the basis of this information. Please refer to the full terms and conditions on our website.


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January 28, 2015
The administrative bodies that review visa refusals or cancellations have produced a series of videos to assist applicants with the preparation of their applications and the conduct of their hearings.
This is an area where Putt Legal/ Perth Migration Agent have an...
January 28, 2015
Please be advised that, as of 1 August 2014, an electronic lodgement of the Subclass 600 (Visitor) visa has been extended to 66 additional countries and territories.
The 66 additional countries and territories are: Angola, Anguilla, Armenia, Benin, Bermuda, Bosnia and...
January 14, 2015
If condition 8503 has been imposed on your visa, it means you cannot apply for another visa (other than a protection visa or a temporary visa of a specified kind) to extend your stay while you are in Australia. However, there may be circumstances where you can apply...
January 8, 2015
FREE book on Australian immigration available online, including a Chinese language version!
January 7, 2015
CL.309.211 – GENUINE SPOUSE RELATIONSHIP – The delegate refused to grant the visa on the basis that the applicants did not have a genuine spousal relationship and did not satisfy cl.309.211 of S...
January 7, 2015
To prove that you have functional English you must provide evidence of one of the following:
You are the holder of a valid passport issued by the United Kingdom, the United States of America, Canada, New Zealand, or the Republic of Ireland and you are a citize...
December 30, 2014
There is a useful 5 minute video available on the Department of Immigration and Border Protection's website about coming to Australia.
There are important things you should know before applying for, or being granted, an Australian visa.
This includes information ab...
December 17, 2014
The Department has announced a 50% increase to application fees for partner visa subclasses from 1 January 2015.
Provisional and permanent partner visas - currently $3085 increased to $4627.50
Prospective marriage visa - currently $3085...
November 16, 2014
New provisions have been announced for families facing hardships on 457 visas in Western Australia. These provisions include:
Families earning $75,000 a year or less will not pay the public school tuition fee
Illness and unemployment considered for partial or...
November 9, 2014
The Subclass 400 Temporary Work (Short Stay) visa stay period will be extended from 3 to 6 months
You can apply for this visa if you want to enter Australia to:
do short-term, highly specialised, non-ongoing work
participate in a cultural or social event...
June 16, 2017
June 16, 2017
June 16, 2017
June 16, 2017
January 28, 2015
January 28, 2015
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GBPUSD cracks below trend line and runs lower
Technical Analysis
Trend line break at 1.1840 opens the downside
The GBPUSD created a nice trend line on the hourly chart at 1.1840 today (see earlier post outlining the level here). The 1.1840 level is also home to the 2016 low price. When the price broke below that level last week, the pair traded to the lowest level since 1985.
For now, the trend line and 2016 low break turned the buyers turned into sellers. The price of the GBPUSD scooted lower. The low has now reached 1.1737 (100 pips can go quickly these days). The next target comes in at the 50% of the move up from the low on Monday. That 50% level comes in at 1.17085. Below that, and traders will be eyeing the 100 hour MA (blue line) at 1.1674.
On the topside intraday watch the 1.1788 to 1.1799 area. That was high levels from yesterday's trading. Stay below keeps the selllers in firm control.


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Sleep apnea affects more than twelve million Americans, according to the Institute of Health. Whether you're a newly diagnosed patient, or are a friend or relative of someone suffering from sleep apnea, this book offers help. read more
27822 Fremont Ct Suite 106 Valencia, CA 91355 United States of America Tel: 661-775-7466View company website
Neotech has been manufacturing innovative medical products for 30 years. Products that make a difference ...
1720 Sublette Avenue St Louis, MO 63110 314-771-2400
71 Eisenhower Lane South Lombard, IL 60148 United States of America 630-495-1300
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3125 Nolt Rd. Lancaster, PA 17601 United States of America 717-898-8200
1111 Lakeside Drive Gurnee, IL 60031-4099 United States of America 847-855-0800
250 Ranch Ave. Lancaster, PA 17602 United States of America 717-399-0030
5343 N 118th Ct. Milwaukee, WI 53225 414.476.1112


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- Men
- Accessories
- Ties
- Blue Structured Silk Tie
Blue Structured Silk Tie
Art. no: 913004001
- Blue
- Pinstriped silk lining
- Blade: 8 cm/3.1 in wide
Dry clean only. Do not bleach. Do not tumble dry. Maximum sole-plate temperature of 150°C, steam-ironing may be a risk . Dry clean, any solvent except Trichloroethylene. 100% Silk.
Designer's notes
This structured tie is spun with 100% silk. Detailed with a blue pinstriped silk lining, this tie is easily matched, which makes it a wardrobe essential.


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Land Rover Range Rover Velar P340 R-Dynamic S
You can expect a lot from the 2020 Land Rover Range Rover Velar. Smooth gearshifts are achieved thanks to the 3 liter 6 cylinder engine, and for added security, dynamic Stability Control supplements the drivetrain. A wealth of standard features means that you no longer have to sacrifice. Like leather upholstery, adjustable headrests in all seating positions, power front seats, automatic dimming door mirrors, automatic temperature control, a power rear cargo door, blind spot sensor, and 1-touch window functionality. For drivers who enjoy the natural environment, a power moon roof allows an infusion of fresh air. Passenger security is always assured thanks to various safety features, such as: dual front impact airbags with occupant sensing airbag, front side impact airbags, traction control, brake assist, a panic alarm, an emergency communication system, and 4 wheel disc brakes with ABS. You'll never lose visibility with rain sensing wipers, which activate automatically when the drops start to fall. We have the vehicle you've been searching for at a price you can afford. Please don't hesitate to give us a call.


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How 3D Sensor Market will Grow in Future? FMI Research Offers Insights 2015 - 2025
3D Sensor Market: Drivers and Restraints
Global 3D sensor market is expected to witness lucrative growth during the forecast period. Factors which are driving the growth of global 3D sensor market are advancement into sensor technology due to constant R&D activity, increasing demand of 3D sensor equipped consumer electronics devices, growing consumer acceptance of wearable electronic devices, increasing demand of 3D sensing games and rising need of advanced security and surveillance camera. On the other hand, few factors are restraining the growth of global 3D sensor market such as lack of product differentiation, heavy maintenance cost and limited manufacturing excellence. However due to various market opportunities such as developing retail and media applications and integration of nanotechnology with 3D sensors in a range of application is expected to boost the global 3D sensor market.
Request For Report Sample@ https://www.futuremarketinsights.com/reports/sample/rep-gb-633
3D Sensor Market: Segmentation
Global 3D sensor market is segmented on the basis of by product type, technology, application, and region.
By product type, the global 3D sensor market can be segmented into position sensors, pressure sensors, image sensors, temperature sensors and others. Image sensors can be further sub segmented into CMOS 3D image sensor, 3D electro optical image sensor and 3D time of flight image sensor etc. Other sensor types includes accelerometer sensor and acoustic sensor. Out of all these types, image sensor held largest market share in 2014 and expected to witness high growth rate during the period of forecast.
By technology, the global 3D sensor market can be segmented into structured light, ultrasound, stereo vision and time of flight technology.
By application, the global 3D sensor market can be segmented into consumer electronic applications, medical applications, automotive application, industrial application, media & entertainment application, aerospace & defence application and others. Out of all these application present global 3D sensor market is dominated by entertainment industry, however consumer electronics application are expected to grow during forecast period with growing demand of 3D sensor enabled smart phones, wearable electronics and cameras
3D Sensor Market: Region-wise Outlook
By region, the global 3D sensor market can be segmented into seven regions such as North America, Latin America, Asia Pacific excluding Japan, Japan as a separate region, Eastern Europe, Western Europe, Middle East & Africa Region. Out of all these regions, North America region is dominating the present global 3D sensor market, however during the period of forecast, Asia pacific region is expected to dominate the global 3D sensor market.
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3D Sensor Market: Key Players
Key players present into global 3D sensor market are Infineon Technologies AG, Cognex Corporation, LMI Technologies Inc., SOFTKINETIC - Optrima S.A.,ifm efector, inc., Occipital, Inc., ASUSTeK Computer Inc. and Panasonic Corporation. These Key market players have adopted product innovation strategy in order to be competitive in market. Also in order to develop advanced product, global 3D sensor market is witnessing trend of increasing R & D spending of market players.
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Aldabra Giant Tortoise; One Of The Fauna Wonders In The World
Ever heard of a giant Aldabra turtle? This turtle feels legendary because it is usually only found in zoos or conservation areas, one of which is in the Bali Safari. But even so, there are people who sell Aldabra turtles as pets.
Aldabra giant turtles indeed include very long-lived turtles. Imagine, this turtle can live up to 200 years. Intrigued by this turtle? Come see more.
Facts About The Aldabra Giant Tortoise
- Physical Characteristics
Aldabra giant turtles have blackish brown shells with a rather high dome compared to other types of turtles. Besides that they also have big and strong legs, why? Because the strong and large legs are used to support his very heavy body.
With a large body that can weigh 300 kg, certainly big and strong legs are needed. If not, it definitely falls and can't walk. Not only that, the giant turtle Aldabra has a very long neck. Evidently this turtle can reach branches and trees that have a height of 1 meter above the ground.
- Regional Distribution
The spread of the Aldabra giant turtle area is in 4 different places. And among the four places that are the center of the Aldabra giant turtle population are on the island of Atoll Aldabra. This island is indeed famous for its freedom from human influence. In fact there are only around 12 people who really have a need for research.
Then there is a population also on Changuuisland, Mauritius conservation park, and Rodrigues conservation park. These places are not as much as the population on the island of Atoll Aldabra. But the least effort to protect Aldabra giant turtles needs to be appreciated.
- Food
The food of giant Aldabra turtles is leaves, grass, and plant logs. So it can be said that Aldabra giant turtles are herbivores. But when pressed, these turtles also occasionally eat small invertebrates and carcasses. Even some researchers found that the giant Aldabra turtle ate other dead turtle carcasses.
In captivity or maybe livestock, turtles that have the Latin name Aldabrachelysgigantea are usually fed fruits such as bananas and apples. Not only that, to fulfill nutrition, it is usually balanced with compressed pellet vegetables. The giant Aldabra tortoise has a unique search for dehydration due to lack of water, similar to a giraffe. Namely they overcome the lack of fluids in the body by getting the water content in the food.
- Habit & Characteristics
It turns out that giant Aldabra turtles can live in a variety of habitats such as forests, lowlands, grasslands, mangrove roses, even to the coast. But usually these turtles are more common in grasslands, why? Because there is a lot of food there.
The characteristics of the giant turtle Aldabra are similar to other turtles starting from the time they move, how to walk, to rest. On average it is usually only active for 4 hours with ranges between morning and evening. After 4 hours, the turtle will take a break to save energy.
- Behavior
The Aldabra giant turtle is very safe for anyone who wants to take care of it, even children. They are so calm and it is rare for the Aldabra tortoise to be so violent towards humans. So don't worry if you want to play with this turtle.
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At Bali Safari Marine Park, we have this turtle kind at Petting Zoo. Please check it out and lets feed them.


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The following are heads who would be leading the sub-teams, this year:
1.Training Team:
Harsha Uikey (V year) & Pranav Mihir Kandada (II year)
2. Material Team:
Aishwarya Birla (V year) & Oorvi Mehta (V year)
3. Reading Room Team:
Mohneesh Rai (V year) & Raghunandan Sriram (II year)
4. Social Media Team:
Anasuya Goswami (V year) & Sabavath Apoorva (III year)
5. Sponsorship Team:
Pallavi Dehari (V year) & Swini Nimesh Khara (IV year)
We are happy to have a committed and enthusiastic team. Here's wishing luck to the TEAM. Hope we reach our milestone in creating inclusive education for this great cause! Feel free to approach us if you have any new ideas that we could incorporate.
Avinash ReddyFounder Trustee and Managing Trustee
Ananye KrishnaFounder Trustee and Managing Trustee
Benjamin VanlalvenaTechnical Advisor
Shreya VoothaluruGraphic Designer


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Help! (United Artists, 1965). Fine+ on Linen. Six Sheet (80" X 78.75"). Rock and Roll.. ...Click the image to load the highest resolution version.
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DescriptionHelp! (United Artists, 1965). Fine+ on Linen. Six Sheet (80" X 78.75"). Rock and Roll.
Starring The Beatles, John Lennon, Paul McCartney, George Harrison, Ringo Starr, Leo McKern, Eleanor Bron, Victor Spinetti, and Roy Kinnear. Directed by Richard Lester. A partially restored poster with good color and an overall very presentable appearance. It may have some edge and fold wear, fold separations, post restoration creases, a few tears, slight paper loss, or unobtrusive stains. Restoration has addressed some of these issues. Grades on all restored items are pre-restoration grades.
Please see full-color, enlargeable images above for more details.
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This Island Earth (Universal International, 1955). Folded, Fine-. One Sheet
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Limbo Dancing
Two adults hold the stick at a set height (quite high to start with). Have some upbeat music playing and ask your guests or kids to form a line and start limbo dancing under the stick. They cannot touch the stick , and only their feet can touch the ground. If anyone touches the stick or falls over they are out.
Once everyone has had a go, lower the stick a little and repeat the process, until you have a winner.
Great fantastic to play with 2 or more friends
great, i play it with all my friends!
Im awesome at limboing
played this last year at my party....nothing can beat it!
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by moi !!!!!!!!!XXXXXX
gd gd i can limbo
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ausemume s0oooooo cool
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Its OK.
I love that game when i was play this
Thats a mad game
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I luurrve this game! Im so playing it at my hawaiian party this week!
its ok just not very new- but maybe if you have a hawaiian theme
it was exccellant
LOVE IT! classic and original--its perfect for a hawaiian party or any other party theme your're planning!
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- Instrumentation -inc: speedometer, tachometer, odometer, trip odometer, fuel gauge, gear indicator, outside temp, seatbelt reminder, fuel cap seal indicator, warning lights, digital clock, white & red illumination, headlights-on warning tone
- Leather-wrapped shift knob & handbrake grip
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- Lighting -inc: front center dome light, (2) front reading lights, luggage compartment light
- Lockable illuminated glove box
- Manual air conditioning -inc: front vents, pollen filter
- Plastic loading edge protection
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Vehicle Description
This 2011 Volkswagen Jetta SE sedan is ready to hit the road with you behind the wheel. It is equipped with a 5 cyl 2.5 liter engine and a 5 speed manual transmission. It is loaded with options like moon roof, alloy wheels and much more. The champagne exterior and black interior are in great condition. Well maintained both inside and out. It has 138,828 original miles. Brand new inspection and emissions good thru November of November of 2020. Free Carfax report is available. It comes with a 3 month / 4,000 (whichever occurs first) miles powertrain warranty. Ask a salesman for more details. Stop in or call to schedule a test drive. Your going to love this Jetta SE!
Visit Adams Auto Sales Inc. online at www.adamsautosalesinc.com to see more pictures of this vehicle or call us at 717-861-5483 today to schedule your test drive.
Visit Adams Auto Sales Inc. online at www.adamsautosalesinc.com to see more pictures of this vehicle or call us at 717-861-5483 today to schedule your test drive.
Vehicle Inquiry for 2011 Volkswagen Jetta Sedan 4dr Manual SE w/Convenience & Sunroof PZEV
Warranty Information
Warranty Description:


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Welcome to Slantsixgames containing answers to Wordscapes Puzzles, this specific post includes answers to Wordscapes Level 8219. This level is also known as Lines 11 and it falls under Master Levels Category.
Wordscapes Lines 11 Level 8219
- Mold
- Mood
- Loud
- Hoodlum
- Hold
- Hood
- Loom
- Doom
You can go to Mainpage master page to find answers to all the levels. If you need help with other Lines Levels, click the link to proceed.


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The Net Lender (TNL) has announced plans for expansion into California in view of the increasing difficulty of living in California brought about by the rising costs of living and everything else that is going on in the state. This is why TNL is expanding in California, in order to provide help to families who may be faced with a temporary deficiency in their funds probably due to an unexpected event like a loved one getting hospitalized. People will only need to have a car title to be able to get access to the needed funds. More about this can be gleaned from the page https://www.thenetlender.com/no-inspections-get-a-title-loan-online.
A TNL representative says, "We are so happy to announce that we are expanding in California. The rising costs in California really have us worried. It is not surprising that people are finding themselves faced with financial emergencies much more often and that they often find themselves in a quandary as to where to get the needed funds. Fortunately, we can help California residents get the money that they need with fair and honest rates. Thus, it will be easier for them to get back on their feet."
The Net Lender is offering a kind of financial aid that is beneficial for clients because they could get hold of the needed funds much faster simply by using their car title. There is even no need for TNL to inspect the vehicle and there is no need to have high credit score. Those who are interested in the various developments related to TNL and their services can visit their Press Advantage media room.
Naturally, there will be some requirements for the car or vehicle. The factors that are important here are the age of the car, its condition, and its mileage. The company will take a look these factors and determine whether they would be able to provide the financial assistance without an inspection. Of course, they will need to see a photo of the car and proof that there is full coverage insurance for the car. They will also need proof that the odometer has not been tampered with.
One important advantage of the help being offered is that people need not worry about having a bad credit score. This makes sense because people who are experiencing financial difficulties are not likely to have good credit scores. This is one reason that many people have already expressed their satisfaction with the service that they had received. For instance, Rick G. said, "Fantastic service, with efficient and knowledgeable employees. I was in and out in no time, with just what I required. Would undoubtedly suggest and use again." Jeremie B. said, "They have an outstanding lineup of professional associates. I received my money within 24 hours. I highly recommend The Net Lender. Thanks Steve!"
Meanwhile, it should be noted that the amount that can be obtained would be based on the client's equity on the vehicle. And for those who are asking for the minimum amount that the car has to be worth, it is usually no less than $2,600. Some of the requirements for getting the financial assistance are driver's license; the car title, which is clean and lien-free; the client's address; proof of insurance; the car; proof of income, with a minimum of $1,200 per month; and the client must be 18 or older.
TNL already has a number of locations in California. People who need the financial help can save a lot of time and effort by using the TNL pre-qualification process via telephone before they drive to the nearest TNL location.
The Net Lender has been helping people get the funds that they need for a temporary financial emergency for several years. They have always made it a point to ensure that they are offering honest and fair rates and establish a payment plan that is feasible for the client.
Those who want to learn more about the help being provided by The Net Lender can visit their website or contact them on the phone.
SOURCE: Press Advantage [Link]
The Net Lender goal is to help people get money in times of a financial emergency.
January 14, 2020 – TNL Comments On Financial Literacy In The US And Educates Consumers In 2020
December 09, 2019 – TNL Continues To Educate Americans That Are Having Financial Difficulties
October 27, 2019 – The Net Lender Educates Consumers On Handling Financial Difficulties
October 16, 2019 – The Net Lender Helps People Who Are Struggling Financially
August 20, 2019 – TNL Spreads And Revamps Sites
July 19, 2019 – TNL Provides Education On The Importance Of Choosing A Reputable Company For Financial Aid
June 28, 2019 – The Net Lender: How To Get Emergency Funds With Minimum Risk
May 20, 2019 – TNL Explains Why The Younger Generation Is Struggling With Money
May 08, 2019 – TNL Helps Residents In California With Their Finances


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Priyanka Chopra & Nick Jonas Engagement: Mommy Madhu Chopra Has An Interesting Advice To The Couple
Priyanka Chopra and Nick Jonas are all set to host their engagement ceremony party tonight at a five-star hotel in Mumbai and both the families are at PeeCee's house at the moment for the puja. Also, Priyanka Chopra's mother Madhu Chopra has an interesting piece of advice to the new couple. The advice is all about how to live a happy married life.
During an interview with Zoom TV, Madhu Chopra opened up by saying that Priyanka's husband should be capable and qualified enough to care of his wife's health and happiness and should also celebrate every single day as Valentine's day.
Don't Fight, But Talk It Out, Advices Madhu Chopra
Mommy Madhu Chopra further added that instead of fighting and arguing over things, they should sit down and talk it out by sharing each other's points of view and end the matter by the end of the day.
Gave An Example Of Her Husband
Madhu Chopra also gave an example of her husband Ashok Chopra and said that he was an excellent husband who took care of his family's needs and Priyanka's husband should always do the same.
There's No Greater Advice Than An Elder's Advice
We hope Priyanka Chopra and Nick Jonas pay heed to mommy Madhu Chopra's advice as she's speaking from experience. There's really no greater advice than an elder's advice on how to lead a happy married life.
Do We Hear The Wedding Bells Ringing?
Now that the couple is all set for the engagement ceremony bash, everyone is eager to know when will they tie the knot and going by the reports, it is expected that they'll host a grand wedding ceremony either in October or November 2018.


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A truck driver has been crushed to death in Aba by a cargo train. The accident occurred at about 10 p.m. on Friday at the railway crossing behind Eziukwu Market off Cemetery Road by Ogbonna Road in the commercial city.
According to reports, the truck got stuck on the rail track and was unable to start.
The truck driver who was supposed to offload fish at a nearby cold store in the area, was outside the truck trying to fix his vehicle but jumped into the truck as soon as he sighted the cargo train, in a bid to remove it from the track.
However, he unlucky as the train coming from Port Harcourt rammed into his vehicle, killing him instantly.
Saturday, April 20, 2019
Cargo train crushes truck driver to death in Aba
by Collins Ngodili on 5:10:00 PM in News
By Collins Ngodili at 5:10:00 PM
Labels: News
Subscribe to: Post Comments (Atom)


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Rawlings Heart of the Hide PRO206-9T Pitchers Glove - 12"
The Rawlings Heart of the Hide 12" pitcher's glove has a two-piece solid web that keeps the ball completely hidden and enclosed from the opposing team. Keeping all the features that make the Heart of the Hide model the one of the most popular, including being handcrafted by the top glove makers at Rawlings, this glove will show you the reason why it can be trusted from the first moment you put it on.
Product Details:
- Rawlings Heart of the Hide Pitcher's Mitt
- 12" Pattern
- 2-Piece Solid Web
- Ultra-Premium Steerhide Leather: ultra-durable and renowned for forming the perfect pocket.
- Deer-tanned Cowhide Palm Lining
- Thermoformed Wrist Lining: breathable, moisture-wicking liner designed to perform in all conditions.


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Search for prospective sponsors, request for proposals, contracts, and other funding information using the GCO funding opportunities packet, deadline calendar, online databases, and links to funders. Also, access the SPIN portal on InfoEd to have funding opportunities sent directly to your e-mail address. Please review the SPIN Getting Started Instructions to do so or simply click on the "Find a Funding Opportunity" link to begin your search.
Funding Opportunities: Coronavirus
- Coronavirus (3/30/20)
- Coronavirus (3/29/20)
- Coronavirus (3/27/20), issue # 2
- Coronavirus (3/27/20), issue # 1
- Coronavirus (3/26/20)
- Coronavirus (3/25/20)
- Coronavirus (3/22/20)
- Coronavirus (3/18/20)
Funding Opportunities: Continuous Submission Edition
Funding Opportunities: Monthly Edition
Funding Opportunities: Recent Announcements
These Funding Opportunity Announcements (FOAs) were recently sent to the GCO. Please note that some of the announcements are time-sensitive with application or letter of intent deadlines that may be due in as little as two weeks.
Committee on Special Awards
Many foundations limit the amount of grant applications that can be submitted from any single institution. In these cases, applications are reviewed by the Committee on Special Awards (CoSA). The primary reviewers present the proposal to the committee for discussion. Each member votes afterward by secret ballot and ranks the proposal. Based on their ranking, the committee recommends the applications to the Dean for approval. To see a listing of special grant, scholarship and fellowship opportunities, please visit the Upcoming Awards section of the CoSA website.
A contract is a mechanism for procurement of a product or service with specific obligations for both Mount Sinai and the extramural funding agency and recipient. Typically, there are greater performance expectations associated with contracts, including project milestones and detailed deliverables (e.g., reports). The arrangement is usually designed to benefit the extramural funding agency by achieving an expected outcome or product. We have compiled links to the following contract resources:
Commerce Business Daily (CBD) lists notices of proposed government procurement actions, contract awards, sales of government property and other procurement information. Each notice only appears in the CBD once.
FedBizOpps (FBO) lists over 23,000 immediate Federal procurement request for proposals (RFPs).
Researchers can conduct direct appeals through crowdfunding internet sites by presenting an idea and how much funding you will need to accomplish the project. We offer resources to assist Mount Sinai faculty and staff interested in tapping this funding method.


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Why make this about a FOREIGN leader who we all know acts this way, it detracts from the topic.
Good for a laugh. More than anyone else JWR knows what a Pajama Boy our PM really is. If she digs in there's every chance that he'll cave in and just leave her the office to herself.
Of course he will.
Go for it. I thoroughly endorse any mockery of our idiotic system and sub-par political class that you want to make. They more than deserve it.
Hmm it seems I'm not the only one with this view:


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Dec 9 2019
Latest Students Software For Windows 8 That Needs To Be Developed In 2020
Why SMBs need it: Many often wonder if the self-organizing agile team requires a centralized leader. The answer is a resounding yes. As agile coach John Yorke soft download site explains, the certainty in small software development teams is the fact that team managers perform different leadership roles, including Product Owner, Project Manager, architect and team coach.
Useful Reference. Just go to https://win10zone.com/download-movie-maker/ for Windows 7 Release.
A Spotlight On Rapid Secrets Of Free Dowload Programs
CHECK IT OFF: Set up a monthly accidents and near-misses selecting your employees. Go through each situation you or your employees observed, and discuss the thing that was unsafe concerning the situation, in addition to what could be carried out the software download sites future to prevent it from re-occurring. Adjust your safety guidelines accordingly.
SMBs that dont incorporate real-time data sharing and mobility'the two major driving forces currently ruling the application space'will continue to lose time needlessly on account of inefficient communication and data access free pc software. These features have become widely accessible in just a mobile enterprise resource planning (ERP) system.
Software allows you to create and modify these goals without difficulty, whilst supplying you with a real-time glimpse into the new hires progress. After a couple of months, a proper performance review ought to be scheduled to offer new software website employees honest feedback on what theyre doing. And of course, dont forget to heap praise on those that deserve it.
Quick and affordable implementation. Since cloud-based solutions are hosted about the vendor's servers, costly machine downtime during installation is mitigated. Additionally, software upgrades can be performed free dowload programs during weekends or another times the organization isn't operating. This way, maintenance managers never lose usage of the system'and the corporation can outsource many IT costs.


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Pre-approval is when the mortgage lender evaluates your financial situation. Credit: They will check your credit score to see if you meet their minimum guidelines.. A lender can pre-qualify you for a loan based solely on what you tell them.
Refinance Mortgage Rates 15 Years Mortgage Rates | Purchase and Refinance Rates | Fremont Bank – Today's Mortgage Rates. Close Loan. We offer attractive rates and flexible terms on both Purchase and Refinance loans. Browse our. 15 Year Fixed Rate .
The pre-qualification will help determine your mortgage, so you'd do. self- employed) and a credit report from all three bureaus-Experian,
Refinance 15 Year Fixed Mortgage Rates A 15-year fixed-rate mortgage maintains the same interest rate and monthly payment over the 15-year loan period. The 15 year fixed-rate mortgage allows the borrower to pay off the mortgage faster and typically has a low interest rate. But monthly payments are usually higher than with other mortgages.
Pre-qualifying gives you a preview of the rates, payments and terms you might receive for a personal loan. The pre-qualification process typically involves a soft credit check, which doesn't affect.
To get prequalified for a mortgage loan, you provide a lender your approximate income, current debts and any important details from your credit. prequalification is subject to verification when.
Check If You Pre-Qualify. If you're on the higher end of the spectrum, you may want to consider checking to see if you're pre-qualified for any cards. This will help minimize your chance of rejection upon applying because pre-qualification performs a soft pull on your credit. This doesn't harm your credit score.
What Is Pre Approved Mortgage A mortgage pre-approval refers to a lender's evaluation that a potential borrower is credit worth enough for a mortgage up to a certain amount. When pre-approved, the lender will approach the potential borrower with a guarantee that should they want the mortgage; they will be guaranteed to receive the financing.
Understanding Mortgage Prequalification vs Preapproval. But without a pre- approved mortgage, any offers you make on a property are likely to be.. Remember, the lender and underwriter will perform a thorough credit check and any recent.
Credit scores are major considerations on personal loan applications. The higher your score, the better your approval chances. Check. can pre-qualify for financing. With most lenders,
1 Participation in the Verified Approval program is based on an underwriter's comprehensive analysis of your credit, income, employment status, debt, property, insurance, appraisal and a satisfactory title report/search. If new information materially changes the underwriting decision resulting in a denial of your credit request, if the loan fails to close for a reason outside of Quicken Loans.
Prequalification is a necessary part of the mortgage application process.. check for the following common mistakes and dispute them with the credit reporting bureau:. You can get pre-approved without having a specific property in mind.
Learn how personal loans work Boost your chances of getting approved 4 steps to pre-qualify for a personal loan NerdWallet's ratings for personal loans award points to lenders that offer.


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Hosanna wrote:Jesus asked, "For what will it profit a man if he gains the whole world and forfeits his soul?"
Why do you suppose the most famous carpenter in the history of mankind, from the dusty village of Nazareth, located in an insignificant corner of a mighty fine Earth, who most assuredly changed the course of history with His existence, would be so very concerned about a person's soul, including the soul of the atheist?
YesJusthuman wrote:Did Jesus say that?
Eyewitnesses Matthew and Mark (Jesus' disciples)Justhuman wrote:Who recorded that?
When? About 40 years after the resurrection of Jesus. In others words, the Gospels were written right after 70 AD, the destruction of the Jerusalem Temple.Justhuman wrote:When was it written down?
Yes, Jesus is God. He changed the course of history the day He conquered death in His resurrection.Justhuman wrote:Did Jesus change the course of our history? Or did God?
Say, thank you for the dialogue. I'm heading out for evening worship, but Lord willing, I shall respond to your other posts as the Lord grants me time.


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San Francisco BayArea
Event Lighting Package
- Item Number
- 1078
- Estimated Value
- Leading Bid
- Number of Bids
- 6 - Bid History
Item Description
Ambient lighting for your special event by a published and well respected lighting company in the bay area. Lighting package includes ambient perimeter uplighting and accent lighting for the wedding cake, cocktail bar(s), catering stations, gift table, escort cards, etc.
Special Instructions
Got Light will travel a maximum of fifty miles for the event and will need at least two hours for the installation and one hour for strike of the equipment. The package includes cost of labor, trucking, and equipment.
Wish Upon a Wedding stores data...
Your support matters, so Wish Upon a Wedding would like to use your information to keep in touch about things that may matter to you. If you choose to hear from Wish Upon a Wedding, we may contact you in the future about our ongoing efforts.
Your privacy is important to us, so Wish Upon a Wedding will keep your personal data secure and Wish Upon a Wedding will not use it for marketing communications which you have not agreed to receive. At any time, you may withdraw consent by emailing firstname.lastname@example.com or by contacting our Privacy Officer. Please see our Privacy Policy found here PrivacyPolicy.


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- Good Things | Fish Fillets
Michael, my roommate Steph and many others are probably exiting out of their browsers right now because just the thought of a McDonald's filet-o-fish sandwich makes them gag! Well you know what?! I LOVE them! Seriously! In my opinion, if I have to eat fast food from Mickey D's, I would most definitely choose a filet-o-fish sandwich. Why? I don't really know. I just really like them and as gross as they may seem, they're actually quite tasty! I try to order them but if Michael is with me, he immediately gives me "the look" that says "Really? You're going to make me smell that thing?". I kid you not, one time when we went through the drive through and Michael was ordering, I told him exactly what I wanted, a diet coke and a fish fillet. He ordered his and then continued to order me a CHICKEN SANDWICH! The nerve!! I actually take great pride in the fact that I love something that most people think is disgusting. It's just one of those things that makes me different… and maybe a little weird.
So if you're a fellow fish fillet lover, we're going to stick together and be friends. Enjoy your memorial day weekend and if you find yourself hungry and on the road like I am going to be (2 weddings this weekend!), stop at McDonalds, get a fish-fillet, and be proud of it!
- No comments yet - you can be the first to comment!


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BEIRUT, LEBANON (9:30 P.M.) – The Syrian Arab Army (SAA) has scored a new advance in the southwestern countryside of the Aleppo Governorate after a fierce battle with the jihadist rebels this evening.
READ ALSO: Syrian, Russian forces launch massive attack in Aleppo
According to a field report from the Aleppo front, the Syrian Arab Army captured the town of Al-Humayrah after advancing further west towards the strategic Aleppo-Damascus Highway (M-5).
This advance at Al-Humayrah comes just hours after the Syrian Arab Army launched a heavy attack on the southwestern countryside of the Aleppo Governorate.
The Syrian Arab Army and their allies from the Republican Guard and National Defense Forces (NDF) have been on the offensive in the Aleppo Governorate since last Sunday.
Since then, the Syrian Army has managed to capture several sites in the Aleppo Governorate, including the town of Khan Touman east of the Aleppo-Damascus Highway.


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Schultz - Schumacher marriage - 1907
Posted By: Reid R. Johnson (email)
Date: 4/6/2019 at 12:39:21
At the home of C. W. Schumacher, at Garnavillo, Wednesday afternoon at 4 o'clock, May 22nd, occurred the marriage of his daughter, Alma M., and Frank J. Schultz. The ceremony was performed by Rev. W. K. Braun in the presence of a large company of friends and relatives. Clara M. Roebken and Lenora Harberg served as bridesmaids, and Realto Schumacher and Othmar Tangeman as groomsmen, all cousins of the bride. After the ceremony came a season of congratulations and a sumptuous banquet. Mr. and Mrs. Schultz will reside at Garnavillo. We extend congratulations.
Elkader Register, Thur., 30 May 1907. Local News columns.
Clayton Documents maintained by Sharyl Ferrall.
WebBBS 4.33 Genealogy Modification Package by WebJourneymen


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Peter Pereira
Peter Pereira is an associate in the IP team in the London office of Kirkland & Ellis. He has a broad practice across all aspects of IP litigation but has particular experience in patent litigation at both trial and appellate level. He strives to provide strategic and commercially driven advice to his clients, who are often the most sophisticated and innovative firms in their fields.
Peter's patent litigation experience covers a broad range of technical fields including life sciences, mining and software, for both domestic and international clients. These cases have been conducted at all levels of the judiciary, predominantly in the Federal Court of Australia but also in the High Court of Australia.
In addition, Peter has substantial copyright litigation experience having acted for a large rights holder on multiple occasions in the Copyright Tribunal of Australia with respect to licensing regimes for the simulcasting of music.
Peter has been committed to pro bono legal work since he began practicing. He has assisted dozens of asylum seekers in Australia, advised indigenous Australian organizations and advised people with disabilities across a number of areas of law.
In 2017, Peter was recognized as one of the top 10 intellectual property lawyers under 30 by Lawyers Weekly Australia. In the same year he was part of a team which won the Best Team award at the Online Courts Hackathon in London. Prior to joining Kirkland, Peter was an intellectual property lawyer at the leading Australian firm Gilbert + Tobin.
Thought Leadership
"Copyright and Social Media" (co-author) (2016) 35(2) Communications and Media Law Bulletin 11
"Costs in pro bono litigation" in Legal Tweaks (2014)
Reporter, Australian Law Reports and Australian Corporations and Security Reports (since 2013)
Memberships & Affiliations
Intellectual Property Society of Australia and New Zealand (IPSANZ)
Australian Association of Constitutional Law
The Law Society of New South Wales (Australia)
Admissions & Qualifications
- 2014High Court of Australia
- 2013Supreme Court of New South Wales
- The Australian National UniversityGraduate Diploma in Legal Practice2012
- University of New South WalesBachelor of Arts; Bachelor of Laws2011


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Manna Food Bank, the premier food bank in Montgomery County, is set to make critical improvements this summer in order to better serve the community. These changes include a significant overhaul of their distribution warehouse in Gaithersburg.
Since 1983, Manna has diligently served clients by holding true to their mission: "Ending hunger in Montgomery County through food distribution, education and advocacy is the guiding force of all we do."
Jackie DeCarlo, Manna's chief executive officer, said that in addition to simply running out of space in their current location on Gaither Road, the organization's new strategic plan "identified areas in the county with concentrated poverty. We wanted to be closer to the people we served."
Manna is opening a new 8,000-square-foot location in Silver Spring to serve clients in the eastern part of the county. With this
move, 20 employees will relocate to that location, which allows cubicles and conference rooms in the 12,000-square-foot Gaithersburg distribution hub to be repurposed. When the two-month renovation begins in July, Manna will move to a temporary location in Airpark to ensure service will not be disrupted.
Gaithersburg Middle School (GMS) is now a food distribution site for Manna, open from 4 to 7 pm on Tuesdays and Thursdays. The GMS location is a "choice pantry," which means that clients can pick the items that they want instead of just receiving a box of staples. The classroom is converted after school into a mini-grocery store and arranged in a way to help clients build meals. Manna began to adopt the choice pantry model of distribution after the registered dietician on staff suggested the approach. The choice pantry is better from a health and nutrition perspective as well as being more culturally appropriate.
Opening a distribution location in Gaithersburg also provided an opportunity to bring their services closer to the clients they
serve. The warehouse is "in an industrial park and Ride-On isn't very frequent," said DeCarlo. While the pantry hours are limited because it is housed in a school, the new location is significantly more convenient. Clients are able to obtain groceries from Manna by appointment, once a month. Food is measured by pounds, and a monthly pickup is usually between 50 to 60 pounds and includes shelf-stable items, produce, pastries and meats. DeCarlo explained that Manna benefits from a program in which they receive commodities directly from American farmers, and this program requires a monthly distribution.
Requirements for receiving food from Manna include proof of residency in Montgomery County as well as documentation that income "falls below what is necessary to be self-sufficient." Manna partners with other local agencies to help clients obtain food in between the monthly pickups. Nourish Now rescues prepared foods from restaurants and Gaithersburg Help, located in Festival Shopping Center on Muddy Branch Road, provides groceries for three to five days.
The vision statement outlined in the strategic plan states, "Our community is a place where all people at all times have access to safe, sufficient, nutritious food in order to lead fulfilling lives and contribute to making Montgomery County, Maryland, a place where all live in dignity."
In Montgomery County, 63,000 people live with food insecurity, meaning they don't know where their next meal is coming from. This includes people who eat smaller meals to save money and resources, those who skip a meal or forego a meal to ensure that an elderly family member or child eats. "We have a diverse community, and as people are struggling to find a way into the community, they are looking to make ends meet, and find jobs and child care," said DeCarlo. "We have a commitment to healthy and nourishing food."


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#3 Seeking.com Review
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Seeking Millionaire or Millionaire Matchmaker?
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Riccardo Rossi
Riccardo was born in 1984 in Viterbo, a city just over an hour driving from Rome. He tooks his first steps as a bartender in London where he moved in 2008 and worked in various bars for 5 years. In 2013, for personal reasons, he returned to Italy and found a job at Freni e Frizioni, a well-known bar on the Roman and Italian scene. Within a couple of years he became head bartender working side by side with the bar manager of that time, as well as his close friend, Cristian Bugiada. When Cristian moves to follow their new project "La Punta Expendio de Agave", a Mexican restaurant bar opened together with the boys of the Jerry Thomas Project, he becomes himself the bar manager of the place and also becomes a business partner of the bar. Time after time his work, together with his team, has brought Freni e Frizioni to a higher and higer level being recognize now as one of the top national and internation high volume cocktail bar. For two years he has been working on a research of the peruvian pisco that makes him the leading expert on this spirit in Italy, holding masterclasses and guest shifts in various bars and national and international events.
He's also brand ambassador for a new italian gin, 4312 Aquamirabilis.


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When it comes to my home office I love for it to be well-designed, inspirational, and equipped for the work I am doing — it makes all the difference in the world.
Tag: Home Decor
6 Styling Tips To Breathe New Life Into Your Home
I think it's so important to create a sanctuary that you feel calm and comfortable in. Somewhere you can relax and unwind.