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Corporate Governance Guideline
The Nikon Group's basic policies and views on corporate governance are defined in the Corporate Governance Guideline.
Nikon Group Corporate Governance Guideline
(Revised on April 1, 2018)
- Nikon's Philosophy
- The Nikon Group aims to contribute to sustainable development of society founded on its corporate philosophy "Trustworthiness & Creativity," an everlasting theme of the Group.
- Basic views on corporate governance
- Based on its corporate philosophy, the Nikon Group will carry out highly transparent management through fulfilling its fiduciary responsibilities towards shareholders as well as responsibilities towards stakeholders including customers, employees, business partners and society, etc., with a sincere and diligent attitude.
- The Nikon Group will strive to achieve sustainable growth and enhancement of its corporate value over the medium-to-long term, through improving management efficiency and transparency and further strengthening the supervisory function over management in light of the purposes of Japan's Corporate Governance Code.
- 1.Ensuring the interest and equal treatment of shareholders
- (1)Respect for the rights of shareholders
While respecting legitimate exercise of shareholder's rights, the Company ensures effective equality among shareholders. In addition, the Company recognizes the exercise of voting rights at the General Shareholders' Meetings as important rights of shareholders, and will develop an appropriate environment for the exercise of rights at the General Shareholders' Meetings.
- (2)Basic capital policy
The Company will continue its investments in the medium-to-long term growth strategies, while maintaining its financial soundness by generating operating cash flow and carrying out optimal financing. For the purpose of shareholder return, the Company will distribute dividends linked to the corporate financial performance, based on the basic concept of long term and stable return of profits to shareholders, while ensuring sufficient internal reserves for the future business development.
- (3)Policy on cross-shareholdings
For the purpose of smooth operation of business, reinforcement and maintenance of business relationships, facilitation of financial activities, etc., the Company may conduct cross-shareholdings, whereby shares of business partners, etc. are acquired and held on a continuing basis, while verifying their economic rationality and strategic significance over the medium-to-long term, as well as the future outlook, provided it would contribute to the sustainable enhancement of the Company's corporate value. With respect to major cross-shareholdings, results of verification of their economic rationality including dividends as well as future prospect, shall be reported to and discussed at the Board of Directors on a regular basis.
The voting rights associated with such cross-shareholding shall be appropriately exercised based on the perspective of whether it will contribute to the Company's shareholder value as well as enhancement of the investee's corporate value over the medium-to-long term.
- (1)Respect for the rights of shareholders
- 2.Appropriate cooperation with stakeholders other than shareholders
Under the corporate philosophy, the Nikon Group will strive to appropriately cooperate with stakeholders including employees and other corporate personnel, customers, business partners, creditors and local communities.
In order to permeate and establish awareness of corporate ethics and engage in sound and fair corporate activities to gain the trust of stakeholders, we have established the "Nikon Code of Conduct", which shows the Nikon Group's basic stance on corporate social responsibility and the standards of behavior to ensure sensible conduct by directors, officers and employees of the Nikon Group based on a high level of morality, pursuant to relevant laws and regulations as well as internal regulations.
The CSR Committee is established for the purpose of development, education and enlightenment as well as monitoring of CSR awareness, under which the Business Conduct Committee engages in the activities for ensuring compliance, fairness and soundness of the corporate behavior on a regular basis. In addition, the Nikon Long-term Environmental Vision is set up and the Environmental Committee will promote environmental protection activities in order to pass down a sound environment to the next generation and to enable sustainable development of society.
Reporting/consulting hotlines such as the "Code of Conduct Hotline" will be established and operated to ensure compliance across the Nikon Group, through preventing and rectifying acts which violate social norms and/or corporate ethics. Persons who provided information via the reporting/consulting hotlines will not be subject to any disadvantageous treatment because of such reporting.
- 3.Full disclosure
The Company, under its corporate philosophy "Trustworthiness & Creativity," makes it a basic stance to carry out active and fair disclosure of its corporate information. The Company will promote activities to further enhance understanding about the Nikon Group among shareholders and investors, by widely providing information on its management stance and business activities, as well as products and technologies, while complying with the timely disclosure regulations of the Tokyo Stock Exchange.
- 4.Responsibilities of the Board of Directors, etc.
- (1)Board of Directors
- i)Roles of the Board of Directors
The Board of Directors supervises management by directors and assumes the decision-making functions on the matters prescribed under laws and regulations, and the Articles of Incorporation of the Company, as well as the important matters concerning the Nikon Group.
For the purpose of clarifying the scope of delegation to the executive directors and officers while ensuring prompt decision-making and management by the executive directors and officers, the Company specifically sets out the matters subject to deliberation at the Board of Directors in the criteria for matters subject to deliberation and report at the Board of Directors. For example, the Board of Directors makes decisions on matters concerning important management, including the basic management policies, the Medium Term Management Plan, the annual plan, the Basic Policy on Internal Control System, and investments and loans exceeding a certain amount.
- ii)Composition and the size of the Board of Directors
The Board of Directors maintains adequate number of members to ensure its effectiveness. The composition will be well-balanced overall by including directors with diverse knowledge and experience in the areas such as finance, accounting and legal compliance, as well as directors with in-depth knowledge about the business of the Nikon Group. In addition, two or more independent external directors are appointed in order to further strengthen the supervisory function of the Board of Directors.
- iii)System for operating, gathering information, and supporting the Board of Directors
The Company strives to provide appropriate and necessary information to directors for effectively fulfilling their roles and responsibilities. Meanwhile, at the meetings of the Board of Directors, the Company carries out prior distribution of relevant materials to the attendees of the meetings of the Board of Directors, and advance briefing to external directors as necessary, to ensure constructive discussion and exchange of opinions.
- iv)Enhancing the effectiveness of the Board of Directors
In order to further improve the functions of the Board of Directors, the Company will have it analyzed and evaluated by third party organizations.
- i)Roles of the Board of Directors
- (2)Audit and Supervisory Committee
- i)Roles of the Audit and Supervisory Committee
The Audit and Supervisory Committee audits and supervises the status of management by directors other than those who are Audit and Supervisory Committee members, and officers as an independent body. For such purpose, Audit and Supervisory Committee members regularly attend the important meetings such as the meetings of the Board of Directors and the Executive Committee, and conducts audits and supervision over the management and directors.
- ii)Composition and the size of the Audit and Supervisory Committee
The Audit and Supervisory Committee shall maintain an adequate number of members, within five members as prescribed in the Articles of Incorporation, to ensure highly effective audits and supervision. In addition, for the purpose of further enhancing independence and neutrality of the audit system, the majority of the Audit and Supervisory Committee shall be comprised of independent external directors.
- i)Roles of the Audit and Supervisory Committee
- (3)Policies and procedures for appointing officers
- i)Policies for appointment
The Company appoints candidates for directors from among those who understand the management environment of the Company and who can contribute to sustainable growth of the Nikon Group and the enhancement of corporate value over the medium-to-long term from a sophisticated and global viewpoint, while also being qualified to meet the trust of society as members of the Board of Directors. Furthermore, the Company appoints external director candidates from among those with either wealth of knowledge and experience, etc., as executives of other companies, or expertise and experience, etc., as specialists such as attorneys and certified public accountants, and who are qualified to take part in management supervision function from a fair and objective standpoint independent from management.
The Company appoints officer candidates from among those with a broad perspective, wealth of experience, leadership, and capabilities to promote reforms in their respective area of responsibilities, while possessing the ability to strategically fulfill their capabilities to contribute to the improvement of business performance.
- ii)Criteria for determining independence of external directors
In addition to the requirement for external directors under the Companies Act, the Company judges that an external director candidate is independent if he/she does not fall into any of the following requirements.
- a)The candidate serves or had served the Group in the past.
- b)The candidate is a "major client or supplier*" of the Company or an executive thereof.
- c)The candidate is a major shareholder of the Company or an executive of the said major shareholder.
- d)The candidate had served in the past at a company whose directors are concurrently serving as the Company's external director and vice versa.
- e)The candidate is a person who belongs to a company or organization that receives a donation from the Company or a person who had served in the past at said company or organization.
- f)The candidate's relative within the second degree of kinship serves as an important executive of a "major client or supplier" of the Group or the Company.
- *"Major client or supplier" refers to a client or supplier that fall into either of the following.
- (1)A client or supplier with whom the Company has transaction that falls into the following, in any of the past three years
- a party which receives payment from the Company equivalent to 2% of the party's consolidated net sales or 100.0 million yen, whichever the greater
- a party which makes payments to the Company equivalent to 2% of the Company's consolidated net sales or 100.0 million yen, whichever the greater
- (2)A consultant, an accounting professional, or a legal professional who receives compensation from the Company in excess of 10.0 million yen per year (average over the past three fiscal years)
- (1)A client or supplier with whom the Company has transaction that falls into the following, in any of the past three years
- *"Major client or supplier" refers to a client or supplier that fall into either of the following.
- iii)Procedures for appointment
Nomination of director candidates, as well as appointment of officers are decided, after making detailed explanation about the career profile, expertise, etc., of each candidate at the Board of Directors, followed by careful deliberation with independent external directors. Nomination of candidates for directors who are Audit and Supervisory Committee members is subject to the prior consent of the Audit and Supervisory Committee.
- iv)Successor of chief executive officer, etc.
The Company recognizes the systematic training for the successors of its chief executive officer, etc., as a task with utmost importance in achieving its sustainable growth. The training is carried out responsibly by the President and Representative Director under the supervision of the Board of Directors including external directors.
- i)Policies for appointment
- (4)Policies on the training of directors
When new directors take office, the Company offers training opportunities for them to fully understand the roles and responsibilities they are expected to fulfill. In addition, even after taking office, the Company offers opportunities to attend trainings including study sessions inviting external experts such as attorneys as lecturers and seminars hosted by external organizations, in order to promote further understanding about the roles and responsibilities of directors.
Furthermore, the Company regularly implements review sessions on its important issues and reports on the business status of the Company, in order to promote effective utilization of the expertise of external directors as well as free and constructive deliberation. Through these measures, the Company supports external directors in further enhancing their understanding about the business, finance, organization, etc., of the Company, in order to receive appropriate advice from them.
- (5)Related party transactions
Upon conducting transactions with related parties, the Company will follow appropriate procedures in advance as listed below, to avoid harming the common interest of the Company and its shareholders.
- Make resolutions at the meetings of the Board of Directors as appropriate, in consideration of the importance, etc., of a transaction.
- Exclude officers, etc., with special interest from resolution.
- Verify whether a transaction is carried out under common terms and conditions.
- Seek opinions from external directors, etc., as appropriate.
- (6)Compensation system
Compensation system is based on the following policies and procedures.
- i)Basic policies
Executive compensation will be determined to satisfy the following basic matters.
- Executive compensation should motivate executives to sustainably improve values of companies and shareholders, as well as enhance willingness and morale
- Executive compensation should keep, cultivate and reward excellent personnel
- The decision process for the compensation system should be objective and transparent
- ii)Compensation system and performance-based structure
- a)The compensation system for executive directors and officers is comprised of the following items. The distribution ratio for compensation is determined by changing the percentages of fixed monthly compensation and performance-based compensation according to positions and duties.
- "Fixed monthly compensation"
Monetary compensation not based on performance.
- "Bonuses"
This monetary compensation is based on the degree of accomplishment and qualitative assessment of capital efficiency and profitability of the Group as a whole and departments in charge on a single-year basis, and is determined within the range of 0 to 200% of the standard payment.
- "Performance-based stock compensation"
Stock compensation is determined within the range of 0% to 150% in accordance with achievement of consolidated net sales and consolidated operating income, etc. for the final fiscal year of the Medium Term Management Plan to be resolved per each three fiscal years with the aims of sharing value with shareholders and enhancing willingness and morale for improvement of medium- and long-term performance.
- "Subscription rights to shares granted as stock-related compensation"
Subscription rights to shares are granted with the aims of sharing value with shareholders and enhancing willingness and morale for improvement of long-term performance, within the range not exceeding 5% of the share dilution ratio.
- "Fixed monthly compensation"
- b)The compensation system for non-executive directors consists only of "fixed monthly compensation."
- a)The compensation system for executive directors and officers is comprised of the following items. The distribution ratio for compensation is determined by changing the percentages of fixed monthly compensation and performance-based compensation according to positions and duties.
- iii)Method for determining compensation level and amount
The Compensation Committee discusses and advises on related systems in order to determine the level and system appropriate to the duties on account of compensation levels of major Japanese companies that globally develop their businesses so as to determine the compensation amount consistent with the performance of the Group and its business scale.
The Compensation Committee consists of the representative directors, external directors and external experts, and discusses on establishment of executive compensation policies, consideration of the compensation system and specific calculation method. Based on the results of the discussions, compensation of directors who are not Audit and Supervisory Committee members is determined by a resolution of the Board of Directors, and compensation of directors who are Audit and Supervisory Committee members is determined by consultation among directors on the Audit and Supervisory Committee.
- i)Basic policies
- (1)Board of Directors
- 5.Dialogue with shareholders
- (1)Constructive dialogue with shareholders
The Company aims to hold constructive dialogue with shareholders, and appoints an officer in charge of this initiative, while collecting and sharing information through cooperation among relative departments within the Company as appropriate. For the purpose of dialogue with shareholders, senior management or responsible officers of the Company will attend meetings with shareholders, as far as reasonably practicable, and opinions, etc., obtained from such occasion will be shared among the senior management. Any insider information will not be expressed in said meetings, in accordance with the internal rules of the Company.
The Company will also enhance information sharing through such means other than meetings, including briefing sessions for institutional investors and individual investors, and provision of information through the Company's website, etc.
- (2)Formulation and announcement of management strategies and management plans
The Company formulates the Medium Term Management Plan, clarifying the earnings projection, basic capital policy and priority measures, etc., with the aim of increasing its corporate value over the medium-to-long term, which is explained in detail at the briefing sessions for investors as well as on the Company's website, etc.
- (1)Constructive dialogue with shareholders
- 6.Revision and abolition of the Guidelines
Revision and abolition of the Guidelines will be made subject to the resolution of the Board of Directors.


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SOURCE: Telogis, Inc.
February 26, 2013 08:06 ET
Telogis' Customer Service Team Was Recognized for Their Innovative Response to Customers During Hurricane Sandy
Telogis' Customer Service Team Was Recognized for Their Innovative Response to Customers During Hurricane Sandy
LAS VEGAS, NV--(Marketwire - Feb 26, 2013) - Telogis' customer service team was honored in the "Innovation in Customer Service - Computer Services & Software" category at the seventh annual Stevie® Awards for Sales & Customer Service last night for its outstanding, innovative response to customers who were affected by Hurricane Sandy in November 2012. Telogis provides a cloud-based location intelligence platform for companies that require dynamic routing, real-time work order management, navigation, telematics and mobile integration services for their mobile workforces.
In preparation for the hurricane, Telogis representatives helped customers plan the movement of key mobile assets including long-haul trucks, service vehicles, delivery trucks and other vehicles out of harm's way. Telogis helped to re-route assets -- particularly the movement of high-profile vehicles -- to protect drivers and cargo from high winds, water and flying debris.
When Hurricane Sandy hit, the Telogis team provided mission-critical information in real time on road closures -- including hourly updates -- to better serve customers. In the storm's wake, Telogis representatives worked with response-oriented customers including utility and vegetation-clearing companies to navigate them back into areas that were most severely affected to quickly restore heat and electricity -- saving time, energy and in some cases, lives.
"Taking home a Stevie Award is recognition of Telogis' ability to prepare for and respond to real-world scenarios experienced by Telogis customers. The efforts of our customer service team ultimately resulted not only in our customers saving critical time, but also avoiding potentially hazardous or even deadly situations," said Chris Belden, vice president of services for Telogis. "We're extremely proud of this team who keep Telogis' promise to provide a peerless level of customer service every day -- in fair weather and in the worst of storms."
The Stevie Awards for Sales & Customer Service are the world's top sales awards, contact center awards, and customer service awards. The Stevie Awards organizes several of the world's leading business awards shows including the prestigious American Business AwardsSM and International Business Awards(SM).
About Telogis
Telogis, Inc., the platform for location intelligence, is dedicated to enhancing the value of its customers' businesses through intelligent integration of location technology, information and services. Telogis was established in 2001 and is headquartered in Aliso Viejo, Calif., with offices in Europe and Latin America as well as development centers in Austin, Texas; Toronto; and Christchurch, New Zealand. Telogis' products and services are used and distributed in more than 100 countries worldwide. To learn more about Telogis, visit www.telogis.com or call toll free at 866-TELOGIS (866-835-6447).
Media Contact:
Krys Card Grondorf
Telogis, Inc.949.389.5581Email Contact
Media Contact:
Krys Card Grondorf
Telogis, Inc.949.389.5581Email Contact
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subset: commoncrawl


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Stephen Mann's art class at Curl Curl on the Northern beaches focused on the subject matter of water, rocks, waves, swimming pool, headland and people. The medium was in oils (or acrylic for those who preferred) using brush and pallet knife. It was a glorious day rendering the colours of the sky and water vivid shades of blue.
The attendees learnt many tips and tricks that Stephen has learnt over many years of outdoor landscape painting.
Visit the Stephen Mann Art Website: www.stephenmannart.com.au.


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NACOGDOCHES, TX (KTRE) - A Cushing man received a probation sentence Thursday morning after pleading guilty to punching a trooper during an arrest in March.
According to a previous report, Jarred Wade Benson, 21, was involved in a one-vehicle wreck on County Road 817. A trooper arrived on the scene and determined Benson was intoxicated.
Benson was uncooperative and tried to resist being arrested. He then hit the trooper with a glancing blow to the face.
The trooper managed to subdue and arrest Benson.
District Judge Ed Klein approved the sentence.
Copyright 2012 KTRE. All rights reserved.


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|Allscripts expands leadership team; heightening focus on client support, international growth
Khorey and her team will focus on all aspects of delivering Allscripts product and solution suites to clients. These efforts underscore Allscripts renewed focus on delivering top-notch, highly coordinated service to clients. Fowles will lead the Allscripts team as the company continues its growth internationally, working with clients to effectively deploy technology to improve the health of the populations they manage.
Khorey joins Allscripts from Ernst & Young, where she was the Executive Director of E&Y's National Provider Practice, specializing in analytics. Previously, she had a successful career in a variety of technical and executive leadership roles at
"Allscripts is a leader in helping healthcare providers and consumers around the globe digitize, connect and engage in care," said Khorey. "I am deeply committed to forming trusting relationships with our clients to better serve their needs and empower them to provide smarter care to their patients."
"Giving clients the solutions they need to improve clinical, financial and operational outcomes through an open platform is central to Allscripts vision for health care," Fowles said. "The Allscripts International team will look to harness the momentum we have generated over the past 4 years and continue to improve care delivery around the world through the accelerated use of information technology."
"Allscripts is committed to serving our clients at the forefront of healthcare innovation, and providing the clinical, financial and interoperability they need to succeed," said
About Allscripts
© 2017
Allscripts, the Allscripts logo, and other Allscripts marks are trademarks of
Forward-Looking Statements
For more information contact: Investors:
Q2 2018 Earnings Press Release
Q2 2018 - Supplemental Financial Data


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Search the Archive
Search the National Gallery Archive containing records of the Gallery's activities from its foundation in 1824 to the present day. Find out more about the National Gallery Archive.
Record NG6/13/843
Up to parent record NG6/13 No child record
|Archive reference number
Letter to Frank Bertiole from G.E. Ambrose
|17 Dec 1888
Enclosing a copy of the rules of admission for students and information on the catalogues available for sale in the Gallery
|Record type
Your list will only be saved temporarily. Inactivity of more than an hour could result in the loss of your list. If you would like to keep a record of your list, we suggest you email it to yourself.
Your list of records will be sent to us if you request an appointment, and a summary will be included in your appointment email notification.


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Ipsy is a monthly beauty subscription that sends you 5 beauty products in a glam bag based on your preferences each month. The products range between deluxe-sized and full-sized and they come in a very cute makeup bag! I really love Ipsy* because it is a great way to expand your makeup collection for cheap. It is only $10 a month with free shipping and it allows you to explore new products and brands you probably would never try on your own.
I am obsessed with this subscription because I love the super cute makeup bags they send and I love getting to use new products every month. I am very excited to share with you what I received this month!
This month's glam bag:
Sally's Box (FULL SIZE)
Loverecipe AcaiBerry Mask & Loverecipe Aloe Mask – ($3 value)
I have dry skin so I was excited when I saw that I received 2 face masks in my Ipsy Glam Bag this month! These masks are extremely hydrating and moisturizing. I've only used a sheet mask once before so it was pretty new to me to use these types of masks. These masks were amazing. They left my skin feeling soft and smooth. It is perfect for dry or combination skin.
Manna Kadar Cosmetics
Paradise Blush – ($19 value)
This blush is beautiful! It applies very easy and it very pigmented. HOWEVER, this blush was SO hard to open. I don't know if anyone else had this issue but I seriously struggled to open this product. I got it open by eventually using a knife to pry it open!
Anyway, the color is gorgeous but I believe it is a little too pink and bright for my skin tone. I try to use the very lightest amount. A little goes a long way but if you don't use too much, it looks very beautiful.
Rimmel London (FULL SIZE)
Lip Conditioning Balm by Kate Moss – ($5 value)
I LOVE lip balms! This product was phenomenal. It left my lips so moisturized and hydrated. I have never seen lip balm packaged in a lipstick tube which was really cool and unique to see. It is not greasy and has SPF 15 in it. You can use it alone or you can use it as a base for other lipsticks. I have used it before applying matte liquid lipsticks and it helps them feel not so drying on your lips.
theBalm Cosmetics
Bahama Mama Bronzer, Shadow & Contour Powder – (~$2 value)
This bronzer, shadow and contour powder was great. It is the perfect color for me and I find myself reaching for it over my ELF bronzer palette. I have very little experience with the brand The Balm. The only other product I've ever had is a blush sample from ipsy which I absolutely LOVED. I loved this product just as much and it is something I would definitely purchase again. I have only used this powder for contouring and so far, it is amazing. I did read some reviews of people complaining that the sample was too small to use for bronzer/contouring. I disagree. All you have to do is swirl your brush around to get a good amount of product evenly on the brush. I had no problems with the size.
Naked Cosmetics (FULL SIZE)
Mica Pigment in Desert Sunset #02 ($15 value)
This product was my absolute favorite thing I received in my ipsy bag this month. It is GORGEOUS. It is so pigmented and glittery. I'm so obsessed with it. You have to be careful with it because it can be messy and get everywhere. I open it carefully and just swirl my brush on the lid to get the pigment. I also sprayed my brush with my Urban Decay setting spray to help with a better application of the pigment and it works great. I do recommend using a primer before to make the most out of this beautiful eye shadow. This is the best ipsy item I have received thus far. I also read some reviews that it makes a good highlighter but I personally thought it was too glittery/intense for a highlighter.
I originally was worried about it being a loose pigment. I've never owned one before, but if you're very careful you should have no problems. I highly recommend this shadow. I'd love to try the many other pigments that Naked Cosmetics offers as well.
All in all, this month's glam bag was definitely great. The overall value of it was a whopping $44 and that does not even include the actual makeup bag itself. For $10, without a doubt you get more bang for your buck. January's bag is one of my favorites I have received so far because of the Naked Cosmetics Pigment and theBalm Cosmetics Bronzer! I have been subscribed to ipsy since August and every single bag has had much more value than the $10 I paid. I definitely recommend ipsy, if you haven't subscribed already.


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I am waiting for my appointment to have this for the first time. I have SLE and have had it for 30years or so. Nothing seems to keep it under control, I have tried many different medications. The only thing is, I have read all the horror stories about death and infections and such... I don't know what to do!
Suggestions? Anyone got prof that it is okay?
Helen x


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Spread betting has many advantages over traditional methods of investing such as share trading.
The important distinction between share trading and spread betting is that you don't physically own the shares when you spread bet. Instead, you trade on the performance of the share price. Therefore you dont pay capital gains tax or stamp duty on any profits you make, stock brokers commission or any account fees, which can be a big saving for investors.
Financial spread betting is advantageous as you can profit from a falling market just as easily as a rising market. It does not matter which way the markets are going, you can back your judgement either way. Visit our spread betting example for more details.
Spread betting is not only about trading on share prices; as an investor you have access to thousands of instruments including global indices, commodities, sectors, bonds and currencies.
Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.
One of the key advantages of spread betting is that it offers margin or leverage. This means you can make a bet without the need to put down the full value of that transaction as you would with a stockbroker. Consequently your funds are not tied up in a single trade which means you can use the rest of your capital for other investments.
As a result, your risk and reward potential will be magnified. Although your profits may exceed those of a traditional share purchase, your potential for loss can also exceed your initial deposit should the market experience sudden movements. However, there are many ways of managing your risk with a range of flexible orders including stop losses, limits and OCOs (one cancels other) orders. These orders can be placed online and are free to use.
Compare the cost of buying 10,000 shares compared to the equivalent spread bet of £100 per point.
|Buy Price
|10,000 Shares
|Initial Outlay
|Commission Charge
|Stamp Duty (0.5%)
|Total Outlay
|Buy Price
|£100 per point
|Initial Outlay (5%)
|Commission Charge
|In spread
|Stamp Duty (0.5%)
|Total Outlay
Imagine the share price rises by 10p to 120p
|Sell Price
|Gross Profit
|Financing Charge
|Total Commission Charges
|Stamp Duty (0.5%)
|Net Profit/Loss
|Sell Price
|Gross Profit
|Financing Charge
|Total Commission Charges
|Stamp Duty (0.5%)
|Net Profit/Loss
So using a spread bet, you are able to make £78.64 extra profit compared to an equivalent share trade.
Please note that while trading on margin using a spread bet will magnify your profits, it will also magnify your losses if the instruments price moves against you.
Spread Betting, is a leveraged product and carries a high degree of risk to your capital and it is possible to lose more than your initial investment. Only speculate with money you can afford to lose. These products may not be suitable for all investors, therefore ensure you fully understand the risks involved, and seek independent advice if necessary.
Digital Look Markets is a trading name of CMC Spreadbet Plc who are authorised and regulated by the Financial Services Authority 170627. Spread betting services are provided by CMC Spreadbet Plc trading as Digital Look Markets, to whom you have been introduced by Digital Look Ltd. All dealing, administration and settlement in relation to these services is undertaken by CMC Spreadbet Plc. You and CMC Spreadbet Plc not Digital Look Ltd will be counterparties to each transaction.
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text: While final vote tallies are still being counted in several battleground states, Republican Donald J. Trump has surpassed the 270 Electoral College vote threshold to be elected as the 45th president of the United States. Garnering all of the electoral votes (102) from the 13 traditional "red states"—those that have voted for the Republican nominee in every election since 1992—Mr. Trump added several important battleground states, including Florida, Pennsylvania, Ohio, Wisconsin, and North Carolina to reach his current Electoral College total of 278 votes. Mr. Trump, along with his running mate, Indiana Governor Mike Pence, will be inaugurated on January 20, 2017. If current vote patterns remain, Hillary Clinton will become only the fifth presidential candidate to win the popular vote but lose the Electoral College vote. In his acceptance speech, President-elect Trump spoke of his vision of bringing the country together and "rebuilding our nation and renewing the American dream." He stated his desire to "embark upon a project of national growth" and specifically mentioned the need to "rebuild our highways, bridges, tunnels, airports, schools, and hospitals." The Trump-Pence victory—coupled with Republicans maintaining control of the Senate and House—will allow President-elect Trump to move forward on a legislative agenda that addresses a wide range of issues, including infrastructure, tax reform, and the Affordable Care Act. The incoming Trump Administration will immediately begin the transition process in preparation for taking office in January, and will start the process of vetting candidates to fill Cabinet positions, subcabinet positions, regulatory agencies, and the current US Supreme Court vacancy. Senate With control of the Senate at stake and 11 hotly contested races to determine that control, Republicans maintained their majority for the 115th Congress by the thin margin of 52-48. Going into the elections, Republicans held a 54–46 majority in the Senate but were defending 25 seats while the Democrats were only defending 10. Republican Senatorial candidates won eight of the 11 contested races and lost only two incumbents, Senator Mark Kirk (IL) and Senator Kelly Ayotte (NH). One notable election result was in Nevada, where Democratic candidate Catherine Cortez Masto won the seat of retiring Senate Minority Leader Harry Reid. In the coming weeks, Senate Republicans and Democrats will be electing their leadership teams. On the Republican side, barring any last minute rebellions, Majority Leader Mitch McConnell (KY) and Majority Whip John Cornyn (TX) will likely keep their positions in the 115th Congress. On the Democratic side, the retirement of Mr. Reid opens up the Minority Leader position and Senator Chuck Schumer (NY) will move into that position. Democratic Senator Richard Durbin (IL) is the current Minority Whip. 2 www.morganlewis.com House of Representatives Republicans went into the November 8 elections holding a 247–188 advantage in the House of Representatives, and Democrats needed a net gain of 30 seats to retake control. As expected, Republicans were able to maintain their majority status but appear to have lost 10 seats (with several more still too close to call). Democrats had targeted 20 Republican incumbents but fell well short of that goal. They did, however, knock-off several veteran GOP lawmakers, including 12-term Representative John Mica (FL), a former chairman of the House Transportation Committee, and seven-term Representative Scott Garrett (NJ), the current chairman of the Capital Markets and Government Sponsored Enterprises Subcommittee of the House Financial Services Committee. When Congress returns next week for the lame-duck session, House Republicans and Democrats will select their leadership teams for the 115th Congress. House Speaker Paul Ryan (WI) has announced he will run to continue as speaker but it's possible he could face a challenge from the conservative Freedom Caucus. If that challenge does not materialize, the remainder of the Republican leadership team will likely continue into the 115th Congress. That would include Representative Kevin McCarthy (CA) as Majority Leader and Steve Scalise (LA) as Majority Whip. For the Democrats, Representative Nancy Pelosi (CA) and Representative Steny Hoyer (MD) will likely continue as Minority Leader and Minority Whip, respectively. Upcoming Dates November 14: Congress returns for the post-election lame-duck session Week of November 21: Congress not in session for the Thanksgiving recess November 28: Congress returns for continuation of lame-duck session December 9: Funding for the federal government expires under the Continuing Resolution (CR) December 19: Electoral College convenes January 3, 2017: First session of the 115th Congress convenes January 20: Inauguration of Donald J. Trump as president and Mike Pence as vice president Likely Committee Leadership Changes Senate Appropriations Committee The Appropriations Committee has jurisdiction over the funding of the federal government. Working through its 12 subcommittees—each dedicated to specific departments and agencies—the committee approves the annual appropriations bills or the larger omnibus appropriations bill for each fiscal year. Increasingly, the Appropriations Committee is also the scene of partisan battles over policy "riders" that attempt to counter Administration initiatives by withholding funding to finalize rules or enforce compliance. 3 www.morganlewis.com The current chairman of the Appropriations Committee is Senator Thad Cochran (MS), and he will continue in that capacity next year. With the retirement of Senator Barbara Mikulski (MD), the position of ranking Democrat will be open and while Senator Patrick Leahy (VT) is next in line, he may opt to take the top Democrat spot on the Judiciary Committee. If he elects to do so, the next Senator with seniority is Patty Murray (WA). Banking Committee The Banking Committee has jurisdiction over the banking industry, the financial services industry, the Federal Reserve, Dodd-Frank, and the Consumer Financial Protection Bureau. With both presidential campaigns' focus on the banking and financial services industries, the Banking Committee will likely be the battleground for a number of partisan policy debates. The committee also reviews the nomination of the Secretary of the Department of Housing and Urban Development. The current chairman and ranking Democrat on the Banking Committee are Senator Richard Shelby (AL) and Senator Sherrod Brown (OH), respectively, and they will continue in those capacities in the 115th Congress. Budget Committee The Budget Committee oversees the process by which Congress annually establishes the appropriate levels of budget authority, outlays, revenues, deficits, and public debt. With the debt ceiling expected to be reached early in 2017, this will be one of the more controversial issues the committee will deal with. The Budget Committee, along with Homeland Security, also reviews the nomination of the director of the Office of Management and Budget. The current chairman of the Budget Committee is Senator Mike Enzi (WY), and he will continue in that capacity in the 115th Congress. The ranking Democrat is Senator Bernie Sanders (VT) but he potentially is in line to be the ranking Democrat on the Health, Education, Labor, and Pensions Committee. In the event he takes that position, Senator Debbie Stabenow (MI) is likely to take over the Budget slot. Commerce, Science, and Transportation Committee The Commerce, Science, and Transportation Committee has jurisdiction over virtually all forms of transportation, interstate commerce, consumer protection, space science, and communications. It is traditionally one of the more bipartisan committees of Congress. The committee reviews the nominations of the Secretaries of Commerce and Transportation. The current chairman and ranking Democrat of the committee are Senator John Thune (SD) and Senator Bill Nelson (FL), respectively, and they will continue in those positions in the 115th Congress. Energy and Natural Resources Committee The Energy and Natural Resources Committee has jurisdiction over the nation's energy policy, nuclear waste policy, and federal lands. The committee, which will likely take up a comprehensive national energy policy proposal early in 2017, reviews the nominations of the secretaries of the departments Energy and Interior. Senator Lisa Murkowski (AK) and Senator Maria Cantwell (WA) will remain the chairman and ranking member, respectively, in the 115th Congress. 4 www.morganlewis.com Environment and Public Works (EPW) Committee The EPW Committee has jurisdiction over environmental policy, construction, and maintenance of the highway program, regulation of the nuclear energy, and air/water pollution. In recent years, the committee has been ground zero for Senate debate over climate change and global warming. The committee reviews the nominations of the administrator of the Environmental Protection Agency (EPA). The current chairman, Senator Jim Inhofe (OK), is term-limited and will be replaced by Senator John Barrasso (WY). The current ranking Democrat is Senator Barbara Boxer (CA), who is retiring and will be replaced by either Senator Tom Carper (DE) or Senator Ben Cardin (MD). Finance Committee The Finance Committee has jurisdiction over tax policy, Social Security, and trade agreements. It also reviews the nominations of the secretaries of the departments of Treasury and Health and Human Services. The current chairman and ranking Democrat are Senator Orrin Hatch (UT) and Senator Ron Wyden (OR), respectively, and they will continue in those positions for the 115th Congress. Health, Education, Labor and Pensions (HELP) Committee The HELP Committee has jurisdiction over a wide-range of social policy issues, including health and education policy, labor standards, and retirement policy, and because of those issues is the scene of major partisan battles. The committee reviews the nominations of the secretaries of the departments of Education and Labor. The current chairman of the HELP Committee is Senator Lamar Alexander (TN). The current ranking Democrat is Senator Patty Murray (WA), but if she opts for the same position at Appropriations, former presidential candidate Senator Bernie Sanders (VT) would be in line to replace her. Homeland Security and Governmental Affairs The Homeland Security and Government Affairs Committee has jurisdiction over homeland security issues and has as one of its prime subcommittees the Permanent Subcommittee on Investigations. The committee reviews the nomination of the Secretary of the Department of Homeland Security. The current chairman of the committee is Senator Ron Johnson (WI), and he will continue in that position in the 115th Congress. The current ranking Democrat is Senator Tom Carper (DE), and if he opts to take the same position at the EPW Committee, then Senator Claire McCaskill (MO) will take over. Judiciary The Judiciary Committee has jurisdiction over the federal courts and judges, patents, copyrights, trademarks, and the US Patent and Trademark Office. The committee reviews the nomination of the attorney general and appointments to the US Supreme Court. The current chairman of the committee is Senator. Chuck Grassley (IA), and he will continue in that position for the 115th Congress. The current ranking Democrat is Senator Pat Leahy (VT), but if he opts to take the Appropriations Committee position, Senator Dianne Feinstein (CA) could be next in line. 5 www.morganlewis.com House of Representatives Appropriations Committee The Appropriations Committee is the House counterpart to the Senate Committee with the same responsibilities to approve the 13 annual spending bills for each fiscal year. The current chairman, Representative Hal Rogers (KY), is term-limited and will be replaced by Representative Rodney Frelinghuysen (NJ). The current ranking Democrat is Representative Nita Lowey (NY), and she will continue in that position in the 115th Congress. Budget Committee The Budget Committee is the House counterpart to the Senate Committee with the same responsibilities for the federal budget. The current chairman is Representative Tom Price (SC), and he will continue in that position in the 115th Congress. The current ranking Democrat is Representative Chris Van Hollen (MD), who was elected a US senator, and his likely replacement will be Representative John Yarmuth (KY). Education and Workforce Committee The Education and Workforce Committee has similar, but not identical, responsibilities as the Senate HELP Committee. Like the HELP Committee, the Educatin and Workforce Committee handles legislation on social policies and is considered one of the more partisan committees of the House. The current chairman, Representative John Kline (MN), is retiring and will be replaced by Representative Virginia Foxx (NC). The ranking Democrat is Representative Bobbie Scott (VA), and he will continue in that position in the 115th Congress. Energy and Commerce Committee The Energy and Commerce Committee has broad jurisdiction over interstate commerce issues, communications, energy policy, healthcare policy (including the Affordable Care Act), and the Federal Energy Regulatory Commission. The current chairman, Representative Fred Upton (MI), is term-limited and there is a two-man race to replace him: Representative John Shimkus (IL) and Representative Greg Walden (OR). Mr. Shimkus chairs an energy-related subcommittee, where he has been a vocal critic of the Obama Administration's plans to identify an alternative to Yucca Mountain for the storage of spent nuclear waste. Mr. Walden chairs the Communications and Technology Subcommittee. The current ranking Democrat, Representative Frank Pallone (NJ), will continue in that position in the 115th Congress. Financial Services Committee The Financial Services Committee has similar jurisdiction as the Senate Banking Committee over the banking and financial services industries and Dodd-Frank related issues. The current chairman and ranking Democrat, Representative Jeb Hensarling (TX) and Representative Maxine Waters (CA), respectively, will continue in those positions in the 115th Congress. 6 www.morganlewis.com Homeland Security Committee The Homeland Security Committee is the House counterpart to the Senate Homeland Security Committee, but it does not have a Permanent Subcommittee on Investigations. It has jurisdiction over homeland security and cybersecurity issues. The current chairman and ranking Democrat, Representative Michael McCaul (TX) and Representative Bennie Thompson (MS), respectively, will continue in those positions in the 115th Congress. Judiciary Committee The Judiciary Committee is the House counterpart to the Senate Judiciary Committee with similar legislative responsibilities. The current chairman and ranking Democrat, Representative Robert Goodlatte (VA) and Representative John Conyers (MI), respectively, will continue in those positions in the 115th Congress. Natural Resources Committee The Natural Resources Committee has jurisdiction over federal lands and mineral rights. The chairman and ranking Democrat, Representative Rob Bishop (UT) and Representative Raul Grijalva (AZ), respectively, will continue in those positions in the 115th Congress. Oversight and Government Reform Committee As the name implies, the Oversight and Government Reform Committee has jurisdiction to review virtually all federal government agencies and programs, and in the past has exercised that responsibility extensively and often in a highly partisan manner. The current chairman and ranking Democrat, Representative Jason Chavitz (UT) and Representative Elijah Cummings (MD), respectively, will continue in those positions in the 115th Congress. Transportation and Infrastructure Committee The Transportation and Infrastructure Committee has jurisdiction over virtually all public works and infrastructure programs, including highways, bridges, airports, and water projects. With Mr. Trump's emphasis on infrastructure, this could be an opportunity for bipartisan action to achieve that goal. The current chairman and ranking Democrat, Representative Bill Shuster (PA) and Representative Peter DeFazio (OR), respectively, will continue in those positions in the 115th Congress. Ways and Means Committee The Ways and Means Committee has jurisdiction over tax policy, certain trade agreements, Social Security and other retirement policy, and miscellaneous revenue measures. It is the House counterpart to the Senate Finance Committee. Ways and Means spent considerable time in 2015 developing a comprehensive tax reform proposal and will likely pursue that agenda in 2017. The current chairman and ranking Democrat, Representative Kevin Brady (TX) and Representative Sandy Levin (MI), respectively, will continue in those positions in the 115th Congress. 7 www.morganlewis.com Full Committee Rosters (with Departures) Senate Appropriations Republicans (16) Democrats (14) Thad Cochran, Miss. - Chairman Mitch McConnell, Ky. Richard C. Shelby, Ala. Lamar Alexander, Tenn. Susan Collins, Maine Lisa Murkowski, Alaska Lindsey Graham, S.C. Mark S. Kirk, Ill. Roy Blunt, Mo. Jerry Moran, Kan. John Hoeven, N.D. John Boozman, Ark. Shelley Moore Capito, W.Va. Bill Cassidy, La. James Lankford, Okla. Steve Daines, Mont. Barbara A. Mikulski, Md. - Vice Chairwoman Patrick J. Leahy, Vt. Patty Murray, Wash. Dianne Feinstein, Calif. Richard J. Durbin, Ill. Jack Reed, R.I. Jon Tester, Mont. Tom Udall, N.M. Jeanne Shaheen, N.H. Jeff Merkley, Ore. Chris Coons, Del. Brian Schatz, Hawaii Tammy Baldwin, Wis. Christopher S. Murphy, Conn. Banking, Housing and Urban Affairs Republicans (12) Democrats (10) Richard C. Shelby, Ala. - Chairman Michael D. Crapo, Idaho Bob Corker, Tenn. David Vitter, La. Patrick J. Toomey, Pa. Mark S. Kirk, Ill. Dean Heller, Nev. Tim Scott, S.C. Ben Sasse, Neb. Tom Cotton, Ark. Mike Rounds, S.D. Jerry Moran, Kan. Sherrod Brown, Ohio - Ranking Member Jack Reed, R.I. Charles E. Schumer, N.Y. Robert Menendez, N.J. Jon Tester, Mont. Mark Warner, Va. Jeff Merkley, Ore. Elizabeth Warren, Mass. Heidi Heitkamp, N.D. Joe Donnelly, Ind. 8 www.morganlewis.com Budget Republicans (12) Democrats (10) Michael B. Enzi, Wyo. - Chairman Charles E. Grassley, Iowa Jeff Sessions, Ala. Michael D. Crapo, Idaho Lindsey Graham, S.C. Rob Portman, Ohio Patrick J. Toomey, Pa. Ron Johnson, Wis. Kelly Ayotte, N.H. Roger Wicker, Miss. Bob Corker, Tenn. David Perdue, Ga. Bernie Sanders, Vt. - Ranking Member (I) Patty Murray, Wash. Ron Wyden, Ore. Debbie Stabenow, Mich. Sheldon Whitehouse, R.I. Mark Warner, Va. Jeff Merkley, Ore. Tammy Baldwin, Wis. Tim Kaine, Va. Angus King, Maine (I) Commerce, Science and Transportation Republicans (13) Democrats (11) John Thune, S.D. - Chairman Roger Wicker, Miss. Roy Blunt, Mo. Marco Rubio, Fla. Kelly Ayotte, N.H. Ted Cruz, Texas Deb Fischer, Neb. Jerry Moran, Kan. Dan Sullivan, Alaska Ron Johnson, Wis. Dean Heller, Nev. Cory Gardner, Colo. Steve Daines, Mont. Bill Nelson, Fla. - Ranking Member Maria Cantwell, Wash. Claire McCaskill, Mo. Amy Klobuchar, Minn. Richard Blumenthal, Conn. Brian Schatz, Hawaii Edward J. Markey, Mass. Cory Booker, N.J. Tom Udall, N.M. Joe Manchin III, W.Va. Gary Peters, Mich. Energy and Natural Resources Republicans (12) Democrats (10) Lisa Murkowski, Alaska - Chairwoman John Barrasso, Wyo. Jim Risch, Idaho Mike Lee, Utah Jeff Flake, Ariz. Steve Daines, Mont. Bill Cassidy, La. Cory Gardner, Colo. Rob Portman, Ohio John Hoeven, N.D. Lamar Alexander, Tenn. Shelley Moore Capito, W.Va. Maria Cantwell, Wash. - Ranking Member Ron Wyden, Ore. Bernie Sanders, Vt. (I) Debbie Stabenow, Mich. Al Franken, Minn. Joe Manchin III, W.Va. Martin Heinrich, N.M. Mazie K. Hirono, Hawaii Angus King, Maine (I) Elizabeth Warren, Mass. 9 www.morganlewis.com Environment and Public Works Republicans (11) Democrats (9) James M. Inhofe, Okla. - Chairman David Vitter, La. John Barrasso, Wyo. Shelley Moore Capito, W.Va. Michael D. Crapo, Idaho John Boozman, Ark. Jeff Sessions, Ala. Roger Wicker, Miss. Deb Fischer, Neb. Mike Rounds, S.D. Dan Sullivan, Alaska Barbara Boxer, Calif. - Ranking Member Thomas R. Carper, Del. Benjamin L. Cardin, Md. Bernie Sanders, Vt. (I) Sheldon Whitehouse, R.I. Jeff Merkley, Ore. Kirsten Gillibrand, N.Y. Cory Booker, N.J. Edward J. Markey, Mass. Finance Republicans (14) Democrats (12) Orrin G. Hatch, Utah - Chairman Charles E. Grassley, Iowa Michael D. Crapo, Idaho Pat Roberts, Kan. Michael B. Enzi, Wyo. John Cornyn, Texas John Thune, S.D. Richard M. Burr, N.C. Johnny Isakson, Ga. Rob Portman, Ohio Patrick J. Toomey, Pa. Dan Coats, Ind. Dean Heller, Nev. Tim Scott, S.C. Ron Wyden, Ore. - Ranking Member Charles E. Schumer, N.Y. Debbie Stabenow, Mich. Maria Cantwell, Wash. Bill Nelson, Fla. Robert Menendez, N.J. Thomas R. Carper, Del. Benjamin L. Cardin, Md. Sherrod Brown, Ohio Michael Bennet, Colo. Bob Casey, Pa. Mark Warner, Va. Health, Education, Labor and Pensions Republicans (12) Democrats (10) Lamar Alexander, Tenn. - Chairman Michael B. Enzi, Wyo. Richard M. Burr, N.C. Johnny Isakson, Ga. Rand Paul, Ky. Susan Collins, Maine Lisa Murkowski, Alaska Mark S. Kirk, Ill. Tim Scott, S.C. Orrin G. Hatch, Utah Pat Roberts, Kan. Bill Cassidy, La. Patty Murray, Wash. - Ranking Member Barbara A. Mikulski, Md. Bernie Sanders, Vt. (I) Bob Casey, Pa. Al Franken, Minn. Michael Bennet, Colo. Sheldon Whitehouse, R.I. Tammy Baldwin, Wis. Christopher S. Murphy, Conn. Elizabeth Warren, Mass. 10 www.morganlewis.com Homeland Security and Government Affairs Republicans (9) Democrats (7) Ron Johnson, Wis. - Chairman John McCain, Ariz. Rob Portman, Ohio Rand Paul, Ky. James Lankford, Okla. Kelly Ayotte, N.H. Michael B. Enzi, Wyo. Joni Ernst, Iowa Ben Sasse, Neb. Thomas R. Carper, Del. - Ranking Member Claire McCaskill, Mo. Jon Tester, Mont. Tammy Baldwin, Wis. Heidi Heitkamp, N.D. Cory Booker, N.J. Gary Peters, Mich. Judiciary Republicans (11) Democrats (9) Charles E. Grassley, Iowa - Chairman Orrin G. Hatch, Utah Jeff Sessions, Ala. Lindsey Graham, S.C. John Cornyn, Texas Mike Lee, Utah Ted Cruz, Texas David Vitter, La. Jeff Flake, Ariz. David Perdue, Ga. Thom Tillis, N.C. Patrick J. Leahy, Vt. - Ranking Member Dianne Feinstein, Calif. Charles E. Schumer, N.Y. Richard J. Durbin, Ill. Sheldon Whitehouse, R.I. Amy Klobuchar, Minn. Al Franken, Minn. Chris Coons, Del. Richard Blumenthal, Conn. House of Representatives Appropriations Republicans (30) Democrats (21) Harold Rogers, Ky. - Chairman Rodney Frelinghuysen, N.J. Robert B. Aderholt, Ala. Kay Granger, Texas Mike Simpson, Idaho John Culberson, Texas Ander Crenshaw, Fla. John Carter, Texas Ken Calvert, Calif. Tom Cole, Okla. Mario Diaz-Balart, Fla. Charlie Dent, Pa. Tom Graves, Ga. Kevin Yoder, Kan. Nita M. Lowey, N.Y. - Ranking Member Marcy Kaptur, Ohio Peter J. Visclosky, Ind. José E. Serrano, N.Y. Rosa DeLauro, Conn. David E. Price, N.C. Lucille Roybal-Allard, Calif. Sam Farr, Calif. Sanford D. Bishop Jr., Ga. Barbara Lee, Calif. Michael M. Honda, Calif. Betty McCollum, Minn. Steve Israel, N.Y. Tim Ryan, Ohio 11 www.morganlewis.com Steve Womack, Ark. Jeff Fortenberry, Neb. Tom Rooney, Fla. Chuck Fleischmann, Tenn. Jaime Herrera Beutler, Wash. David Joyce, Ohio David Valadao, Calif. Andy Harris, Md. Martha Roby, Ala. Mark Amodei, Nev. Chris Stewart, Utah Scott Rigell, Va. David Jolly, Fla. David Young, Iowa Evan H. Jenkins, W.Va. Steven M. Palazzo, Miss. C.A. Dutch Ruppersberger, Md. Debbie Wasserman Schultz, Fla. Henry Cuellar, Texas Chellie Pingree, Maine Mike Quigley, Ill. Derek Kilmer, Wash. Matt Cartwright, Pa. Budget Republicans (22) Democrats (14) Tom Price, Ga. - Chairman Todd Rokita, Ind. - Vice Chair Scott Garrett, N.J. Mario Diaz-Balart, Fla. Tom Cole, Okla. Tom McClintock, Calif. Diane Black, Tenn. Rob Woodall, Ga. Vicky Hartzler, Mo. Marlin Stutzman, Ind. Frank C. Guinta, N.H. Mark Sanford, S.C. Steve Womack, Ark. Dave Brat, Va. Rod Blum, Iowa Alex Mooney, W.Va. Glenn Grothman, Wis. Gary Palmer, Ala. John Moolenaar, Mich. Bruce Westerman, Ark. James B. Renacci, Ohio Bill Johnson, Ohio Chris Van Hollen, Md. - Ranking Member John Yarmuth, Ky. Bill Pascrell Jr., N.J. Tim Ryan, Ohio Gwen Moore, Wis. Kathy Castor, Fla. Jim McDermott, Wash. Barbara Lee, Calif. Mark Pocan, Wis. Michelle Lujan Grisham, N.M. Debbie Dingell, Mich. Ted Lieu, Calif. Donald Norcross, N.J. Seth Moulton, Mass. 12 www.morganlewis.com Education and Workforce Republicans (22) Democrats (16) John Kline, Minn. - Chairman Joe Wilson, S.C. Virginia Foxx, N.C. Duncan Hunter, Calif. Phil Roe, Tenn. Glenn Thompson, Pa. Tim Walberg, Mich. Matt Salmon, Ariz. Brett Guthrie, Ky. Todd Rokita, Ind. Lou Barletta, Pa. Joe Heck, Nev. Luke Messer, Ind. Bradley Byrne, Ala. Dave Brat, Va. Earl L. "Buddy" Carter, Ga. Mike Bishop, Mich. Glenn Grothman, Wis. Steve Russell, Okla. Carlos Curbelo, Fla. Elise Stefanik, N.Y. Rick W. Allen, Ga. Robert C. Scott, Va. - Ranking Member Rubén Hinojosa, Texas Susan A. Davis, Calif. Raúl M. Grijalva, Ariz. Joe Courtney, Conn. Marcia L. Fudge, Ohio Jared Polis, Colo. Gregorio Kilili Camacho Sablan, N. Marianas Frederica S. Wilson, Fla. Suzanne Bonamici, Ore. Mark Pocan, Wis. Mark Takano, Calif. Hakeem Jeffries, N.Y. Katherine M. Clark, Mass. Alma Adams, N.C. Mark DeSaulnier, Calif. Energy and Commerce Republicans (31) Democrats (23) Fred Upton, Mich. - Chairman Joe L. Barton, Texas John Shimkus, Ill. Joe Pitts, Pa. Greg Walden, Ore. Tim Murphy, Pa. Michael C. Burgess, Texas Marsha Blackburn, Tenn. Steve Scalise, La. Bob Latta, Ohio Cathy McMorris Rodgers, Wash. Gregg Harper, Miss. Leonard Lance, N.J. Brett Guthrie, Ky. Pete Olson, Texas David B. McKinley, W.Va. Mike Pompeo, Kan. Adam Kinzinger, Ill. Morgan Griffith, Va. Gus Bilirakis, Fla. Frank Pallone Jr., N.J. Bobby L. Rush, Ill. Anna G. Eshoo, Calif. Eliot L. Engel, N.Y. Gene Green, Texas Diana DeGette, Colo. Lois Capps, Calif. Mike Doyle, Pa. Jan Schakowsky, Ill. G.K. Butterfield, N.C. Doris Matsui, Calif. Kathy Castor, Fla. John Sarbanes, Md. Jerry McNerney, Calif. Peter Welch, Vt. Ben Ray Luján, N.M. Paul Tonko, N.Y. John Yarmuth, Ky. Yvette D. Clarke, N.Y. Dave Loebsack, Iowa 13 www.morganlewis.com Bill Johnson, Ohio Billy Long, Mo. Renee Ellmers, N.C. Larry Bucshon, Ind. Bill Flores, Texas Susan W. Brooks, Ind. Markwayne Mullin, Okla. Richard Hudson, N.C. Chris Collins, N.Y. Kevin Cramer, N.D. Kurt Schrader, Ore. Joseph P. Kennedy III, Mass. Tony Cárdenas, Calif. Financial Services Republicans (34) Democrats (26) Jeb Hensarling, Texas - Chairman Peter T. King, N.Y. Ed Royce, Calif. Frank D. Lucas, Okla. Scott Garrett, N.J. Randy Neugebauer, Texas Patrick T. McHenry, N.C. Steve Pearce, N.M. Bill Posey, Fla. Michael G. Fitzpatrick, Pa. Lynn Westmoreland, Ga. Blaine Luetkemeyer, Mo. Bill Huizenga, Mich. Sean P. Duffy, Wis. Robert Hurt, Va. Steve Stivers, Ohio Stephen Fincher, Tenn. Marlin Stutzman, Ind. Mick Mulvaney, S.C. Randy Hultgren, Ill. Dennis A. Ross, Fla. Robert Pittenger, N.C. Ann Wagner, Mo. Andy Barr, Ky. Keith Rothfus, Pa. Luke Messer, Ind. David Schweikert, Ariz. Frank C. Guinta, N.H. Scott Tipton, Colo. Roger Williams, Texas Bruce Poliquin, Maine Mia Love, Utah French Hill, Ark. Tom Emmer, Minn. Maxine Waters, Calif. - Ranking Member Carolyn B. Maloney, N.Y. Nydia M. Velázquez, N.Y. Brad Sherman, Calif. Gregory W. Meeks, N.Y. Michael E. Capuano, Mass. Rubén Hinojosa, Texas William Lacy Clay, Mo. Stephen F. Lynch, Mass. David Scott, Ga. Al Green, Texas Emanuel Cleaver II, Mo. Gwen Moore, Wis. Keith Ellison, Minn. Ed Perlmutter, Colo. Jim Himes, Conn. John Carney, Del. Terri A. Sewell, Ala. Bill Foster, Ill. Dan Kildee, Mich. Patrick Murphy, Fla. John Delaney, Md. Kyrsten Sinema, Ariz. Joyce Beatty, Ohio Denny Heck, Wash. Juan C. Vargas, Calif. 14 www.morganlewis.com Homeland Security Republicans (18) Democrats (12) Michael McCaul, Texas - Chairman Lamar Smith, Texas Peter T. King, N.Y. Mike D. Rogers, Ala. Candice S. Miller, Mich. - Vice Chair Jeff Duncan, S.C. Tom Marino, Pa. Lou Barletta, Pa. Scott Perry, Pa. Curt Clawson, Fla. John Katko, N.Y. Will Hurd, Texas Earl L. "Buddy" Carter, Ga. Mark Walker, N.C. Barry Loudermilk, Ga. Martha McSally, Ariz. John Ratcliffe, Texas Dan Donovan, N.Y. Bennie Thompson, Miss. - Ranking Member Loretta Sanchez, Calif. Sheila Jackson Lee, Texas Jim Langevin, R.I. Brian Higgins, N.Y. Cedric L. Richmond, La. William Keating, Mass. Donald M. Payne Jr., N.J. Filemon Vela, Texas Bonnie Watson Coleman, N.J. Kathleen Rice, N.Y. Norma J. Torres, Calif. Judiciary Republicans (23) Democrats (16) Robert W. Goodlatte, Va. - Chairman Jim Sensenbrenner, Wis. Lamar Smith, Texas Steve Chabot, Ohio Darrell Issa, Calif. J. Randy Forbes, Va. Steve King, Iowa Trent Franks, Ariz. Louie Gohmert, Texas Jim Jordan, Ohio Ted Poe, Texas Jason Chaffetz, Utah Tom Marino, Pa. Trey Gowdy, S.C. Raúl R. Labrador, Idaho Blake Farenthold, Texas Doug Collins, Ga. Ron DeSantis, Fla. Mimi Walters, Calif. Ken Buck, Colo. John Ratcliffe, Texas Dave Trott, Mich. Mike Bishop, Mich. John Conyers Jr., Mich. - Ranking Member Jerrold Nadler, N.Y. Zoe Lofgren, Calif. Sheila Jackson Lee, Texas Steve Cohen, Tenn. Hank Johnson, Ga. Pedro R. Pierluisi, P.R. Judy Chu, Calif. Ted Deutch, Fla. Luis V. Gutiérrez, Ill. Karen Bass, Calif. Cedric L. Richmond, La. Suzan DelBene, Wash. Hakeem Jeffries, N.Y. David Cicilline, R.I. Scott Peters, Calif. 15 www.morganlewis.com Natural Resources Republicans (26) Democrats (18) Rob Bishop, Utah - Chairman Don Young, Alaska Louie Gohmert, Texas Doug Lamborn, Colo. Rob Wittman, Va. John Fleming, La. Tom McClintock, Calif. Glenn Thompson, Pa. Cynthia M. Lummis, Wyo. Dan Benishek, Mich. Jeff Duncan, S.C. Paul Gosar, Ariz. Raúl R. Labrador, Idaho Doug LaMalfa, Calif. Jeff Denham, Calif. Paul Cook, Calif. Bruce Westerman, Ark. Garret Graves, La. Dan Newhouse, Wash. Ryan Zinke, Mont. Jody B. Hice, Ga. Aumua Amata Coleman Radewagen, A.S. Tom MacArthur, N.J. Alex Mooney, W.Va. Cresent Hardy, Nev. Darin LaHood, Ill. Raúl M. Grijalva, Ariz. - Ranking Member Grace F. Napolitano, Calif. Madeleine Z. Bordallo, Guam Jim Costa, Calif. Gregorio Kilili Camacho Sablan, N. Marianas Niki Tsongas, Mass. Pedro R. Pierluisi, P.R. Jared Huffman, Calif. Raul Ruiz, Calif. Alan Lowenthal, Calif. Don Beyer Jr., Va. Norma J. Torres, Calif. Debbie Dingell, Mich. Ruben Gallego, Ariz. Lois Capps, Calif. Jared Polis, Colo. William Lacy Clay, Mo. Vacancy Oversight and Government Reform Republicans (25) Democrats (18) Jason Chaffetz, Utah - Chairman John L. Mica, Fla. Michael R. Turner, Ohio John J. Duncan Jr., Tenn. Jim Jordan, Ohio Tim Walberg, Mich. Justin Amash, Mich. Paul Gosar, Ariz. Scott DesJarlais, Tenn. Trey Gowdy, S.C. Blake Farenthold, Texas Cynthia M. Lummis, Wyo. Thomas Massie, Ky. Mark Meadows, N.C. Ron DeSantis, Fla. Mick Mulvaney, S.C. Elijah E. Cummings, Md. - Ranking Member Carolyn B. Maloney, N.Y. Eleanor Holmes Norton, D.C. William Lacy Clay, Mo. Stephen F. Lynch, Mass. Jim Cooper, Tenn. Gerald E. Connolly, Va. Tammy Duckworth, Ill. Robin Kelly, Ill. Brenda Lawrence, Mich. Ted Lieu, Calif. Bonnie Watson Coleman, N.J. Stacey Plaskett, V.I. Mark DeSaulnier, Calif. Brendan F. Boyle, Pa. Peter Welch, Vt. 16 www.morganlewis.com Ken Buck, Colo. Mark Walker, N.C. Rod Blum, Iowa Jody B. Hice, Ga. Steve Russell, Okla. Earl L. "Buddy" Carter, Ga. Glenn Grothman, Wis. Will Hurd, Texas Gary Palmer, Ala. Michelle Lujan Grisham, N.M. Rules Republicans (9) Democrats (4) Pete Sessions, Texas - Chairman Virginia Foxx, N.C. Tom Cole, Okla. Rob Woodall, Ga. Michael C. Burgess, Texas Steve Stivers, Ohio Doug Collins, Ga. Bradley Byrne, Ala. Dan Newhouse, Wash. Louise M. Slaughter, N.Y. - Ranking Member Jim McGovern, Mass. Alcee L. Hastings, Fla. Jared Polis, Colo. Science, Space and Technology Republicans (22) Democrats (17) Lamar Smith, Texas - Chairman Frank D. Lucas, Okla. - Vice Chairman Jim Sensenbrenner, Wis. - Chairman Emeritus Dana Rohrabacher, Calif. Randy Neugebauer, Texas Michael McCaul, Texas Mo Brooks, Ala. Randy Hultgren, Ill. Bill Posey, Fla. Thomas Massie, Ky. Jim Bridenstine, Okla. Randy Weber, Texas John Moolenaar, Mich. Steve Knight, Calif. Brian Babin, Texas Bruce Westerman, Ark. Barbara Comstock, Va. Gary Palmer, Ala. Barry Loudermilk, Ga. Ralph Abraham, La. Darin LaHood, Ill. Warren Davidson, Ohio Eddie Bernice Johnson, Texas - Ranking Member Zoe Lofgren, Calif. Daniel Lipinski, Ill. Donna Edwards, Md. Suzanne Bonamici, Ore. Eric Swalwell, Calif. Alan Grayson, Fla. Ami Bera, Calif. Elizabeth Esty, Conn. Marc Veasey, Texas Katherine M. Clark, Mass. Don Beyer Jr., Va. Ed Perlmutter, Colo. Paul Tonko, N.Y. Mark Takano, Calif. Bill Foster, Ill. 17 www.morganlewis.com Transportation and Infrastructure Republicans (34) Democrats (25) Bill Shuster, Pa. - Chairman Don Young, Alaska John J. Duncan Jr., Tenn. John L. Mica, Fla. Frank A. LoBiondo, N.J. Sam Graves, Mo. Candice S. Miller, Mich. Duncan Hunter, Calif. Rick Crawford, Ark. Lou Barletta, Pa. Blake Farenthold, Texas Bob Gibbs, Ohio Richard Hanna, N.Y. Daniel Webster, Fla. Jeff Denham, Calif. Reid Ribble, Wis. Thomas Massie, Ky. Mark Meadows, N.C. Scott Perry, Pa. Rodney Davis, Ill. Mark Sanford, S.C. Rob Woodall, Ga. Todd Rokita, Ind. John Katko, N.Y. Brian Babin, Texas Cresent Hardy, Nev. Ryan A. Costello, Pa. Garret Graves, La. Mimi Walters, Calif. Barbara Comstock, Va. Carlos Curbelo, Fla. David Rouzer, N.C. Lee Zeldin, N.Y. Mike Bost, Ill. Peter A. DeFazio, Ore. - Ranking Member Eleanor Holmes Norton, D.C. Jerrold Nadler, N.Y. Corrine Brown, Fla. Eddie Bernice Johnson, Texas Elijah E. Cummings, Md. Rick Larsen, Wash. Michael E. Capuano, Mass. Grace F. Napolitano, Calif. Daniel Lipinski, Ill. Steve Cohen, Tenn. Albio Sires, N.J. Donna Edwards, Md. John Garamendi, Calif. André Carson, Ind. Janice Hahn, Calif. Rick Nolan, Minn. Ann Kirkpatrick, Ariz. Dina Titus, Nev. Sean Patrick Maloney, N.Y. Elizabeth Esty, Conn. Lois Frankel, Fla. Cheri Bustos, Ill. Jared Huffman, Calif. Julia Brownley, Calif. Ways and Means Republicans (24) Democrats (15) Kevin Brady, Texas - Chairman Sam Johnson, Texas Devin Nunes, Calif. Pat Tiberi, Ohio Dave Reichert, Wash. Charles Boustany Jr., La. Peter Roskam, Ill. Tom Price, Ga. Sander M. Levin, Mich. - Ranking Member Charles B. Rangel, N.Y. Jim McDermott, Wash. John Lewis, Ga. Richard E. Neal, Mass. Xavier Becerra, Calif. Lloyd Doggett, Texas Mike Thompson, Calif. 18 www.morganlewis.com Vern Buchanan, Fla. Adrian Smith, Neb. Lynn Jenkins, Kan. Erik Paulsen, Minn. Kenny Marchant, Texas Diane Black, Tenn. Tom Reed, N.Y. Todd Young, Ind. Mike Kelly, Pa. James B. Renacci, Ohio Patrick Meehan, Pa. Kristi Noem, S.D. George Holding, N.C. Jason Smith, Mo. Robert J. Dold, Ill. Tom Rice, S.C. John B. Larson, Conn. Earl Blumenauer, Ore. Ron Kind, Wis. Bill Pascrell Jr., N.J. Joseph Crowley, N.Y. Danny K. Davis, Ill. Linda T. Sánchez, Calif.


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How to Have Fun in Tokyo, Japan While on a Budget
Before coming to Japan, one of the first things people warned me about was how expensive everything is – to which I've quickly come to discover, they were right. Unfortunately, being a major city, Tokyo turned out to be just as expensive as people warned, however, not in the way I was necessarily expecting it to be.
Essentially, I was anticipating spending all of my money on clothes, shoes, and other entertainment related goods, but to my surprise, most – if not all – of my money went to food and travel expenses. Not to say the food here is expensive – it's actually quite the opposite. Most food purchases can be made at any local convenient store for no more than five dollars, the only bad part is convenient stores are almost too local. I routinely stop in and purchase a snack or two of some sorts (typically melon bread), which has quickly depleted my money supply.
I knew I had to break my bad habits of making daily trips to convenient stores and limit my travels to just the weekends. Looking back on my experiences adjusting to life in Tokyo, I would have benefited greatly from knowing how to spend my money more wisely on inexpensive fun and more substantial (and filling) meals. Luckily, after getting adjusted to Japanese life, I've been able to find fun places to go and cheap places to eat that are relatively cheap, affordable, and won't suck your wallet dry.
First off, if you're looking for a place to hang out with friends that is easy and fun, local game centers are the way to go. Not only are these places hard to miss – as they are typically large, red buildings with the sign "game" plastered on the front – but these massive giants have multiple floors, each containing various types of amusement, able to satisfy even the pickiest of gamers. What's more, each game typically costs around 200 to 300-yen, which is around $2.50 a game. In my opinion, this is a small price to pay for the amount of fun a person can have for one game alone.
And ladies, don't worry! If gaming isn't your thing, there is an entire floor dedicated solely to purikura – which is essentially a Japanese version of a photo booth. Basically, for around four dollars, you and your friends can get high quality photos taken. And, for a small fee, you can dress up in various costumes ranging from an adorable tiger to a dedicated flight attendant.
Aside from common game centers, there are also local parks such as Yoyogi and Setagaya, located about ten minutes away from the heart of Harajuku. These natural playgrounds are the perfect place to go and enjoy nature and spend time talking with friend. The best part is, it's completely free.
Ideally, to make parks more of an enjoyable daytime activity, stopping at nearby convenient stores to gather some tasty snacks is always a good idea. Essentially, some sun, a cold refreshing drink, and quality conversation is all one needs. As an added bonus, Yoyogi Park and Harajuku are optimal places to spend a few hours because they are both about a ten-minute walking distance from Shibuya.
And while I highly recommend doing some of the aforementioned activities with friends, these are just a few suggestions on ways to have fun in Tokyo while being on a budget. There are many different things to see and do in Japan and knowing how to save money wherever you can helps make the experience a little more enjoyable. Happy saving!


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******VINTAGE *****Christian Dior*****lady's full-length brown female mink coat
******VINTAGE *****Christian Dior*****lady's full-length brown female minku coat from the mid 1980's. In very good condition and the lining is in perfect condition.Cared for and stored properly over the years. Christian Dior vintage fur coats are definitely very desirable and collectable as the label is truly iconic. This coat is made of much more desirable and expensive female mink pelts and it has a Frenched bottom on the lining. ***Note: There is a repair needed for a tear under the right arm and some slight wear on one cuff just at the edge due to age.......after all,it is a vintage piece ****O R**** Another completely different idea would be to have some gorgeous cushions made with the fur ......A N D.....some GORGEOUS cushions made from the CHRISTIAN DIOR SILK LINING ***Measurements are as follows: 45" length= 1.143 meters 26" across middle when closed=66.04 cm 18"shoulder width=45.73cm 24"sleeve length(with beautiful buttoned wrist detail and the sleeves are bracelet length,allowing room for gloves).= 60.96 cm ***Original cost was well over $8,500 at Holt Renfrew. $899 FIRM NEWLY REDUCED PRICE !!!!!!!!!!!!!!! No lowballing please /Serious buyers only! Thanks for looking Price more than reflects repair needed (HIGH PARK,SOUTH OF BLOOR AND KEELE) Cross posted
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Dec 09 2009
Mackenzie – 4 1/2 Week Ampuversary
Tripawds is a user-supported community. Thank you for your support!
I still smile when I received the previous messages wishing us a "hoppy ampuversary". It's just so cute – this tripawd lingo. Well, this is our 4 1/2 week "ampuversary" and I'm very happy to report that Mackenzie is doing extremely well – she's become the puppy dog that we had a year ago. I took her on her first walk a few days ago – she loves going for walks – up the street a little ways with her brother Kobe. She wanted to keep going but I didn't want to push her too much. When we got home, she was ready to go again. Before she got her diagnosis, it was standard practice for her to put her little brother in his place when he misbehaved. Getting on him for not listening to me with her bark and dominating presence. Of course, Kobe didn't pay much attention but it gave Mackenzie a sense of power over him. Before her amputation, Mackenzie didn't have the energy to do this anymore. But recently, she has really been giving him the business when he's not listening to me (like when I call him and he finally comes, she'll get right on him for not coming sooner.) So I know she's feeling really good these days. They've also started wrestling again – she's trying to swat him with her phantom leg and he's trying to grab her wherever he can. I'm just loving it all! Mackenzie goes in for her 2nd chemo treatment next week – I worry that it will slow her down again. But hopefully like this last time, she'll pull through and have even more energy than before. I guess we'll cross that bridge when we get there. For now, we're soaking in this new found energy and enjoying every minute!
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Mustafa Burmawala wiki, height, uncles, age, biography
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Mustafa Burmawala is a young Indian Actor and son of popular bollywood filmmaker Abbas Burmawalla. He was born in 1988. He made his debut with the movie Coffee Shop in 2008, which was directed by Abbas-Mustan. Mustafa Burmawala uncles are
Hussain A. Burmawala via Abbas Burmawalla
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What is his Real Name?
His real name is Mustafa Burmawalla
What is his nick name?
His nick name is Not Known
What is Mustafa Burmawalla (Actor) Profession?
He is an Actor by Profession
What is Mustafa Burmawalla (Actor) Educational Qualification?
He ihas done a Film-Making Course from the New York Film Academy
School He went is Not Known
College He went is New York Film Academy
Mustafa Burmawalla (Actor) Nationality?
He is an Indian
Mustafa Burmawalla (Actor) Birth Place?
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Hometown/ Residence?
His Hometown is Mumbai, India
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Waist is 32 Inches
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Eye Colour?
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His age is 30 Years and His date of birth is Year 1988
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Parents /Father Name- Abbas Alibhai Burmawalla (Film-Maker)
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Siblings/ Sisters Name - Not Known
Siblings/Brothers Name -Not Known
Wife/Spouse Name - N/A
Baby /Children/Kids/Son Name - N/A
Baby/ Children/Kids/Daughter - N/A
Uncles - Hussain A. Burmawala, Mustan Burmawalla, Mohammed Burmawala, Saifuddin Burmawala
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- India
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I hope you assessed your pain, according to the PQRST Assessment I posted on January 31st. Regardless of how long you have been living with severe physical pain, it's a good idea to assess your pain once a year.
- Keep a breadcrumb trail as best you can. When we're online we forget where we go and often don't know who we're listening to. This can lead us to become confused between what might be real information, versus personal anecdotes and stories. I suggest you create a document to copy and paste links with pertinent info for your reference yesterday, or else add links to your history.
- Check the credentials. Look for academic medical centers, or known health care institutions. Look for similar information between sights so that the validity of what you are finding is increased. I also will look for research; usually at least summaries of research are posted before I am blocked from medical membership sites.
- When perusing patient advocacy sites, look for the values of the organization, size of membership, how long its been active, realism of information, etc. There are many patient advocacy sites that are excellent-just watch out for ones that are promoting a particular agenda, such as ones dedicating to slamming the medical field, or promoting only one treatment. At this point, you are looking for a good review of everything and anything regarding your pain symptoms.
- Be wary of advertisement-laden sites. KevinMD.com suggested that such sites can be edited to meet requirements in tone, scope, or opinion by advertisers. So I'd be wary of those.


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Greetings from babyruth003
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Greetings from babyruth003
I LOVE UR SERVERS MEN!!! God bless you guys. I live in MD but im german
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Re: Greetings from babyruth003
nice to meet you I havent seen you play but hopefully I will. Welcome to our forum and maybe someday you will consider joining cya on the battlefield...
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Nice to hear from you buddy. God bless you.
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For most people, the idea of budgeting is the same as the idea of voluntarily putting yourself into a financial straight jacket. Budgets completely restrict your spending and they keep you from having fun…or do they?
In this business, we get a chance to work intimately with people's finances every day. What I have noticed is that there seems to be two types of people: those who can budget/save, and those who can't. The majority of people can't. Why can't they do it? Sometimes it's lack of discipline. Sometimes it's forced circumstances. Sometimes it's laziness. Mostly though, it's from bad money habits which have been developed through having no system in place to teach you good habits.
Everybody I've met in Australia can read. Why? Because there's a system (school) in place which teaches everybody how to do it, whether they want to or not! But I haven't yet met a person who was taught in school how to budget and how to manage personal finances. Which is why the majority of people can't do it. The people who do budget well either learned it from their parents (who gave them a system), self-educated themselves, or are naturally good savers, which is uncommon.
I got interested in this subject at a young age and read different books which described different methods of handling finances. I tried many different systems of financial control. Interestingly enough, what I found was that most systems work, but you do have to use them!
The basic elements in a budget are simple:
Income – Expenses = Surplus
Did you notice that the word 'savings' does not appear in that equation? Most people believe that their 'savings' come out of the surplus. Believe it or not, they don't. The savings have to be built into your 'expenses'. The same way that you pay your gas, or electricity bill, you pay your 'savings' bill. It's an expense that gets paid with the same priority as the rent, the mortgage, or the petrol in your car. It isn't optional.
If you take a look at your income and expenses, you'll find that the majority of your income is already being spent before you've even got it in your account. You've already committed money to the mortgage, car expenses, food, bills, etc. There's not really much to have to think about in terms of where to spend your money. It's already spent. Putting a system in place to make sure everything gets paid without any stress is what a budget is all about. Once that system is in place, then you can look and see what you can do with your surplus, which can become your 'fun' money…at least until some financial advisor comes along and tells you how you should be spending your 'fun' money ☺
If you've got questions on budgeting or you want a tool to help separate out your different categories of expenditure, let me know at firstname.lastname@example.com. As you can imagine, budgeting is one of the areas that we talk to people about the most.


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I know I've been quiet on the blogging front so far this year, but that's certainly not true in other aspects of my life. In fact, I'm moving home on 1st February, so things have been insanely busy lately. The new place is only about three miles away from my current one, but sadly, that doesn't make any difference to the phone company…who still need two weeks to connect me to the internet at my new address. Fail!
The good news, though, is that those two weeks without the distractions of the internet will be perfect for finishing off something I know a few of you have been waiting for for quite a while. I've managed to get Hot, Rich and Dominant 6 to a place where I can be confident about finishing it and having it ready for release by 28th February. Marc and Nell have almost finished their story – at least, as far as I plan to tell it. I can't even tell you how excited I am to get this one out there. 🙂
As I've said, I'll be offline for a couple of weeks, but feel free to drop me comments here, on Facebook or on Twitter. I'll pick them up when I get back with a shiny, finished story.


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Dear Nanie,
I'm so glad you were born, because you always brighten my life and fill it with joy.
Friend, how do you expect me to remember your birthday, when you never look any older?*Puji sket. Hehe*
Well, you are not getting older, you are getting better and yes you will always be forever young. *happy la tu*
By the way, don't forget about our friendship, that we've shared.
HAPPY BIRTHDAY my friend,
Nurul Hanani Al- Othmani.


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Active. Imaginative. Communicative.
Do you want to work on projects in which naming, branding and marketing communications are integrated into holistic and progressive solutions? Then you are right with us. At INCREON, exceptional people come together to find and implement exceptional solutions.
Our Approach: Practical and direct solutions, simple and understandable ideas, clear images, texts and direct and truly integrated communication. Offline and online are weighted equally with us. We lead our customers with this philosophy, accompany them with high commitment and cross-media expertise.
INCREON offers university graduates as well as marketing, communication and e-professionals having ambitious goals and pursuing committed unconventional solutions, varied and interesting tasks.
For our office in Shanghai, for immediate hire, we are seeking a
Project Manager Marketing Communication (m/f)
Your responsibilities
- Develop integrated branding concepts and convincingly presenting them
- Develop Chinese names for companies and products
- Implement projects in various media (print, online, moving image, communication in space) whilst working within the respective corporate design of our clients
- Work independently to acquire, manage and control projects
- Support own customer accounts
Your key skills and experience
- University degree in marketing or related field, and at least five years of work experience advising customers or managing projects, or both, in the marketing, communications, or agency field
- Structured way of working, takes ownership of responsibilities, good process/methodology skills
- Creativity and inspiration, good thinking skills, strategic competence, and good general knowledge
- Chinese fluent. Excellent German skills. Excellent English skills.
We offer you a job full of variety in a constantly expanding agency. Within a short time, you can take on responsibility and your own customers. Working in our international team in Shanghai is casual, but highly professional.
We look forward to receiving your full application documents, including your earliest start date and salary expectations. Please send your documents as a PDF file by email to Christina Bastl (bewerbung-at-increon.com).
INCREON GmbH, Robert-Bürkle-Straße 3, 85737 Ismaning/München, T +49·89·962286-0, www.increon.com.
More Information about INCREON
- IHK training company for media design and marketing communications
- My trainee programs in consulting and design
- Lecturer at BAW (Bavarian Academy of Advertising), University of Applied Sciences Landshut, BayTech
- Only unlimited permanent employees
- Attractive salary and possibly variable salary component through performance-based bonuses, as well as occasional project-based profit-sharing
- Average seniority of more than 4 years (excluding apprentices and trainees)
- The annual average regulated 40-hour week
- Free holiday choice, and longer vacations at a time possible
- Own nursery on site for parents in part-time
- Individual employee development through internal and external training
- Work experience abroad possible in our own agency office in Shanghai
- Long-term career prospects
- Regular staff meetings and open team dialogue
- Independent work and teamwork
- Flat hierarchy and casual acquaintance
- Quiet, relaxed working atmosphere in single, twin, max. triple offices
- Bus to the subway connection and S-Bahn can be reached by foot, carpools welcome
- Most advanced technical equipment – Project Management with Windows PC, creative with MAC or PCC
- Own photo / film studio and sound / speaker studio
A few good qualities …
For the way with INCREON you need besides good professional qualification five qualities:
- Creativity – developing new solutions with innovative ideas.
- Learning ability – always being better, that means, constantly learning from processes, experiences of colleagues or teams.
- Team skills – use networked knowledge about various working areas through daily dialogue.
- Success orientated – following ambitious goals with commitment.
- Customer orientated – finding individual solutions for our customers. Therefore, quantity is not our scale but the quality of performance.


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Sooner rather than later? But later may mean you have more money.
Age of retirement in the UK
The minimum retirement age is now 55 and the statutory age is 65 and this is increasing to 66, for men and women, by 2020.
Retiring later can increase your retirement income
As a general rule, it is better to hold off retirement for as long as possible. Deferring state, employment and/or personal pension benefits generally provides a larger income than retiring early because the older you get, the better annuity rates tend to be. Equally, if you choose to downsize your career but can still earn some income after your chosen retirement date, you may be able to 'phase' your retirement, using only a portion of your pension fund to begin with and leaving the remainder invested until later.
However, the most important choice you will make will be over the actual annuity, or unsecured pension product (Income Draw Down), as this will determine your ultimate retirement income. There is also the option of taking 25% as a tax-free lump sum, which could perhaps pay for a long holiday or be re-invested elsewhere to generate additional income. An annuity will provide you with an income stream for life, but this does mean you give up all right to the capital – and your descendants may not inherit anything of your investment if you die soon after retirement. You therefore need to weigh up the merits of guarantees in your annuity choice (thereby securing some of that fund value at least for the short term) against the rate being offered to you, particularly if you smoke or have certain health conditions which could lead to an increase in the amount you receive.
Alternatively, you can use an unsecured pension arrangement, which allows you to keep your fund fully invested and to draw an income directly from that. This income could be less or more than you might receive with an annuity, depending on your circumstances and requirements, but it does mean you preserve some of the value of your pension fund. This approach does, however, come with risks. Rather than consolidating your value as an annuity would, your retirement investment remains in the hands of the market so, whilst the value could go up, it could just as easily go down. Given the time it took to build that value, positioning your portfolio to minimise the risk of losing it is therefore essential.
Finally, you could do a little bit of both – take an annuity for part of your pension fund and leave the remainder invested. Such a combination could offer a decent half way house, but be sure to examine all the options before you make your move.
We're happy to provide more information about planning for your retirement and you options will really depend on your own set of circumstances and wishes. For professional advice tailored specifically to you why not call our financial advisers on 0141 764 0040.


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HR Events, Career Expos
One of the pillars of the long-term strategy of our company is that we are constantly looking for our next exceptional employee, therefore DDC is an active participant of the HR events organized in the catchment areas of the Beremend and Vác cement plants. At these career and job expos, professional events people can get to know the operation of our company, receive information about our available positions and obtain knowledge on the details of our intern program reserved for career-seeking young adults. Our goal is to provide opportunities to those potential employees who seek serious professional development, challenges, competitive salary and a pleasant working environment.
If you would like to share our successes and wish to join us you can choose from the job offers published in the website or look for our booth at the career expos where we are present. If you don't find at first exactly what you are looking for we can admit you in our internal database and if a vacancy is available in a position which suits your qualifications, professional experiences and interests our HR department will notify you immediately.


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We asked: Which candidate would you vote for in the upcoming U.S. presidential election?
We closed this poll just before the actual election results were revealed so as not to influence our own poll. Looks like Barack Obama wins again, and this time by a wide margin! n=97
Check out the new poll in the left-hand sidebar and cast your vote today.


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Readex is pleased to announce Early American Newspapers, Series 14, 1807-1880: The Expansion of Urban America. This newest series offers digital editions of notable 19th-century newspapers from America's urban centers. It delivers long runs of 48 major titles published in 34 towns and cities in 15 states and D.C. Each title has been selected not only to represent the new forms of journalism that emerged during this period in U.S. history, but also to enable longitudinal studies. For more information, please contact firstname.lastname@example.com or visit this page of the Readex web site.
David G. Loiterstein, Readex, firstname.lastname@example.com


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D-Day: America Invades (pc game)
5 out of 5 (1 votes)
- Digital Download
- Classic Box (1)
We haven't found any digital download available at this moment.
There is 1 classic boxed game available for sale. Check shipping price and condition directly on shop page.
Great interface, good diversity
It is a top down and a turn based war strategy game which has some very good war dynamics. The plot here is based on the American invasion of the peninsula and you can either play in the German team or from the allies' side. It also includes historical variants at every level but you can always close them. The game is diverse in terms of the level designs or war scenarios that have been designed at different levels and they provide a good in depth war experience. Though the game is not a very good realistic war simulation but the tactical elements and the fighting sequences are very thrilling and up to the modern standards. You have the single player mode and you can also go for the latest head on head two player mode. The 2D svga graphics in the game are good enough for a detailed warfare action. Moving further the game allows you to customize some of its features in the gameplay and also tends to be very quick in the outcome of your actions. The interface is top class and so is the A1 because of the great gaming engine. War game lovers also like to play Europe in Flames.


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Byond Tech has launched a new handset which is known as Byond Tech BY 024. This latest device is a dual SIM handset with dual standby facility and works on the GSM frequency. It comes with simple features and a candy bar form factor.
Byond Tech BY 024 comes with a 2.52 inch TFT display screen which does not have the touch facility but provides the users a decent resolution of 240×320 pixels. A 1.3 MP camera has been fitted in on the back side of this handset and this camera is packed with features like digital zoom and video recording. This is a device which has a traditional looking numeric keypad and is equipped with FM radio and multi format music player for audio lovers. A 1000 mAh battery has been installed in and provides a talk time of 3-4 hours and a standby time of up to 240 hours.
Byond Tech BY 024 supports various connectivity options like GPRS, Bluetooth, USB port and a 3.5 mm audio jack. Some additional features which can be used are mobile tracker, auto call recording, private data protection and a micro SD card slot which can facilitate 8 GB of external storage space.