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Cowlesville, NY Homeowners Insurance
Get cheap home insurance in Cowlesville, NY within minutes. Enter your Zip and we will locate the top-recommended home insurance carriers in your area. Homeowners insurance in Wyoming doesn't have to be expensive. If you shop with us, you can compare multiple options and save hundreds of dollars on your annual premium.Your home is one of the biggest investments that you will ever make. If you want to protect that investment, you will want to make sure your home is properly insured.
A home insurance policy can protect you in a number of ways. It can keep you from paying legal fees if someone sues you because of an incident that occurred in your home. It can allow you to replace items that were stolen from your home.
With that said, not all insurance policies provide the same level of protection. Here are a few things you should keep in mind when comparing your Cowlesville home insurance options.
Look For A Company That Is Well Established
Insurance companies are supposed to protect you. If you want to be able to rely on that protection, you will have to ensure that the company you work with is extremely stable.
Seek out insurance companies that have been in business for a long time. Look for a company that is known and respected in the industry. Make sure that they will be there if something goes wrong.
Find A Provider That Is Easy To Work With
However, it isn't unheard of for insurance companies to give their clients the runaround. Stay away from companies that engage in this kind of bad behavior. Instead, work with companies that are easy to get in touch with.
Look For A Company That Can Help You To Save
Insurance premiums can be fairly high. It is only natural that you would want to save as much as you can.
You may want to seek out quotes from several different insurance companies. You can compare the quotes you have been given so that you can find the company that is giving you the most for your money.
There are plenty of ways to save on insurance costs. If your premiums are too high, seek out a company that will charge you less.
Consider BundlingIt is likely that you are already paying to ensure something else that you own. For example, it is likely that your car is insured.
If you already have one insurance policy, you can save money by getting additional policies through the same company. Insurance companies want your business, and they are willing to offer you savings in order to get it.
Check to see if you can get home insurance through your current insurance provider. If you can, you should definitely look into that option.
We need to insure the things that are most valuable to us. If your home is insured by a great company, you won't have so much to worry about. You will know that you have coverage of a worst-case scenario occurs. A solid insurance policy can really give you some peace of mind.
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When it comes to possessing a residence, it's constantly greater to be risk-free, rather than sorry. This is why it really is so important that you have a reliable insurance coverage coverage on your residence. In this write-up, you will uncover out some excellent guidelines that will allow you to help save funds, without sacrificing on the top quality of your coverage.
Make sure you have enough smoke detectors put in in your house. Older houses specially may possibly require additional types in buy to get a far better homeowners insurance top quality. Even some more recent homes can advantage fiscally from incorporating extra detectors apart from people essential to meet the specifications.
If you have a kid in school, verify with your insurance coverage agent about whether or not the child's home calls for a different insurance policy. Practically all policies will include possessions stored in a dorm area, although the laws about off-campus apartment dwelling will fluctuate widely from coverage to plan, even inside the identical firm.
Install a safety method to help decrease your homeowner's insurance premium by 5%. Your stability program have to be watched above by a central station or tied immediately to your neighborhood police station, in buy to get this price cut. Your insurance policies agent will want to see proof that your security program is getting monitored.
Don not, underneath any situations, allow your hazard insurance coverage on your residence to lapse. Most house loan businesses have a clause in the agreement you signed that in the function you never spend it, they will uncover a new policy for it, sparing no cost, and charge you for the top quality. It will usually be at minimum double what you were spending just before. You are much better off undertaking whatsoever you need to in get to maintain your coverage recent.
The greatest way to reduced your insurance payment is to increase your deductible. A higher-deductible plan is a bet from the house, so to speak. You might be preferring the chance of having to shell out for a high deductable above the truth of getting to shell out a greater quantity of cash each and every month. So, if you are conservative, this could not be the greatest fit. But if you might be prepared to chance possessing to shell out out that higher deductible, then this approach is well worth adopting.
To reduced your home owners insurance coverage, you ought to have a security method set up. A security program must be linked to central station or a law enforcement station. To have your insurance priced lowered, you will, most most likely, have to supply evidence that your method is up and running. This could reduce your once-a-year quality by five per cent.
Check any plan that you are interested in for a "certain substitution worth" and only accept the agreement if it is relevant. This guarantee stops your lost property from being replaced with a cellular property. It will permit you to rebuild a related house in the function that your home is destroyed and need to be rebuilt.
If your homeowner's policy has been in impact for a few several years or far more, it is time to review your protection. Thanks to modifying market conditions and alternative fees, you need to be certain you have enough insurance policies in the function of loss or damage to your residence. You should take into account the cost of potentially rebuilding your home and be specific you have ample coverage to just take care of that.
An informed choice is much far more probably to be a smart determination, whether we are talking about homeowners' insurance policies or something else out there. If you do not realize how insurance coverage works, just make confident you use these tips in purchase to get the very best offer on a sound protection package for your home.


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This size five blue soccer ball is an updated classic ball with a traditional 32-panel machine stitched design and a fun, colorful look. It is a great soccer ball for training and comes with a long-lasting air retention bladder that helps reduce deflation. The Pro Trainer new soccer ball has a durable cover with counter balanced graphics. Franklin Sports is a reputable company with years of experience making the best soccer equipment, and you'll undoubtedly want to purchase one of their soccer balls if you want to train and play like a pro.
You just can't avoid the name of Lionel Messi in the soccer world anymore! And with this ball, Adidas promises to make you like Messi. Like the last ball, it has a nylon interior and is machine stitched. It also has a butyl bladder so that it retains air better. While this ball is surely a good option, it is a little pricey. The name alone probably drives it up, but if you're a Messi fan it may well be worth it to you! And oh, it also looks like a ball from Pokemon!
Crafted by Adidas, the Telstar 18 is the official ball of the FIFA World Cup. Drawing inspiration from the company's first World Cup match ball, which debuted at the 1970 tournament in Mexico, the new ball reimagines the 12 black panels on an otherwise white design. Fun fact: the iconic original black and white ball was made that way to be more visible for black-and-white TV viewers, and it was dubbed the "star of television."
The ball has good texture. It seems to hold air pretty well. The design is cool and is definitely one that is not seen on the pitch or practice field normally. I only have concern that a few of the patches on the ball are not flush with the others. 2 of the small panels are a little raised than the others where the seems meet. When my son and I pass the ball on a perfect synthetic field, it seems to jump just slightly, but it could be in my head since I have seen the seems not level to each other in a few spots on the ball. Mine may be abnormal. Other than that, the ball seems very well made. It even makes the right noises when kicked hard. Overall pretty satisfied.
Scavenging through thousands of soccer balls out there in search for the best is draining which brings us to the purpose of this article. Besides narrowing down your search to the best soccer balls in the market today, this review sheds light on the different types of soccer balls available today, their purpose, sizes, features, and on how to care for your soccer ball. Sometimes, getting a nudge towards the right direction saves us the time and makes finding a good soccer ball easy.
No matter how talented a soccer player is, they're only as skilled as their gear allows them to be Without the right pair of cleats, shin guards, and even the best soccer balls to practice and play with, they can't build their game to its top potential. That's why it's so important to do your research before you buy any piece of equipment. Whether you're replacing your old cleats or you just need a few new practice jerseys, the right quality makes all the difference.
I bought this ball for a non-traditional use: my miniature donkey LOVES to roll and toss balls, and slightly deflated soccer balls seem to be easiest for him to grab. We've had this one for several months now, and it has withstood his rough play extremely well. In fact, I'm back to buy another so we have a backup in case our first gets lost. I definitely recommend!
This ball has been through all of the hazards that kids can dream up. Dribbling the ball on pavement walking to the car, practicing shots against a brick school, being used as a seat, heavy use at practice, and its frequent selection as the game ball. With all of that, it still looks great with very little wear and tear. Could still pass as a new ball from a few feet away. It's held it's pressure very well. The outer shell texture allows good grip without being to soft or too hard.
NOTE: This article lists and reviews size 5 soccer balls only. You should also know that we are linking out to Amazon and earning a small commission at no extra cost to you from every sale ONLY if you do decide to complete a purchase. This is how we're able to maintain our website up and running. Nevertheless, we only recommend products or services that we tried, used, like and honestly think may be the best fit for your particular needs.
First of all these balls are good because they are high quality and by having such soccer balls you won't need to buy new ones so quickly, because these are durable and you will use them longer. They are not just durable, with them you also have better touch with the ball and you can handle easier and better the ball. It is sure easier to train and improve ball control with professional soccer ball.
Where is a good place to buy soccer balls? At Soccer Ball World of course! We have taken great care in providing you with the best soccer balls and accessories for your money. To go to our store, click here. Otherwise, you can go to the many other web stores or local retail stores that provide soccer balls. We recommend you use Soccer Ball World first as a guide before buying soccer balls anywhere!
With all of those accolades, you might be a bit surprised that this is only rated as the best training soccer ball we reviewed rather than the best performing. For the most part, those questions are warranted as the first two layers of this soccer ball are made out of great materials. The casing is made of TPU, which provides a solid amount of durability, but it is the lining that stands out. With both polyester and EVA, this ball is easier to kick for longer periods without suffering from fatigue.
Wilson is a classic sports company that gives you just about everything that you need in a soccer ball. This ball has a synthetic leather cover which is soft to the kick, but also has enhanced ball durability. It has a butyl rubber bladder to hold the air which gives the ball its shape and and retains the air. This has the classic black and white panel colors.
My friend and I were kicking a soccer ball around the front yard. It was maybe 2007 and I was getting ready to leave for a couple weeks on a trial. Trying to be cute, I tried a handling skill where I flipped the ball up behind my back and then kick it with my heel so it comes back over my head again. So I kicked the ball too hard, it goes out into the street, and a truck promptly runs it over.
However, by selling out so hard in terms of responsiveness, the Mikasa has painted itself into a bit of a corner. Specifically, the synthetic leather casing makes this ball unsuitable for use on any surface outside of natural grass.In fact, even artificial grass will begin to wear down this ball once the glossy finish has been worn away. When you factor in the machine stitching, you end up with one of the least durable soccer balls on our list.
The outside of the soccer ball is typically made from one of two materials: PVC or Polyurethane. PVC is much more affordable and durable, and these are typically seen in training soccer balls because training balls go through much more of a continuous beating. Polyurethane balls are usually even softer than PVC balls and its ability to go where you want it to go is much better than the PVC balls. As a result, these are typically higher-end balls. However, there are still various ways to construct them, and not all PVC or polyurethane balls are created the same. Glossy coatings, which are very popular in the public fields with the kids and adults alike, are also very useful because they help reduce scuffing and the intake of water.
The second edition of the new dual bonded production method is the Target DB. This new ball is both machine-stiched and sealed with glue. The contstruction consists of a PU-material laminated with 3.5 mm foam. Two layers of textile underlining are them laminated to the foam layers to add stability. Finally, the panels are 3D printed with a 3mm edge glue and stitched together. The glue is activated in the heat mold to hide the stitches and the seam sealing is done by hand. By using glue in the sealing of the seams, the water uptake is reduced significantly.The bladder inside is a SR-bladder with excellent air retention. The result is a soccer ball with both stability, control and a softer touch compared to other balls in the range.
For those taking their game to the next level, it's important to train with a ball similar to what is used for your matches. Your passing, shooting and general foot skills will be different for lighter soccer balls made with a premium bladder like latex. Try out an NFHS approved ball which is used for some club, high school, and college teams. To be NFHS approved, the soccer ball needs to:
When I buy a soccer ball at a local store, how do I know if I am buying a good soccer ball? Ball material information on the packaging of the balls is minimal at best. Marketing hype is hard to understand. So people are very frustrated when buying soccer balls for their clubs, teams or own use. Parents of soccer players have always asked me about what type and where to buy soccer balls for their up and coming star. "Go to the local store and pick out one that is on sale" I would tell them. The only recommendation I could make was to check out soccer balls that I previously used and knew they were good quality.
Rounding out our list is just a good old, cool-looking training ball from the people over at Puma. This ball comes will three distinct colors on it. Black is in the middle of pink and yellow, so this would be an absolute dream for the soccer-loving girl in your life! It is machine stitched for durability and a very soft feel. It holds up for extended periods of time and does so starting at a very low price, so take a look for yourself!
Whether you're shopping for a street soccer ball or looking for the best football ball to help improve your skills and learn a few drills before your next competitive soccer match, you will never go wrong with any of the above soccer balls. We made sure to highlight the best products available in the market today made by top brands like Adidas and Nike so that you can find a high-quality ball with unique features that will help you improve your skills. These products will be a great long-term investment, and a must buy to add to your soccer equipment.
Hi Everyone! My name is Pete (yes, I'm a real person who lives in a cornfield just outside of Buffalo, NY – well, my house is in the middle of a cornfield!). As a former collegiate athlete in Iowa, I've played varsity basketball, volleyball and soccer. I also happen to be an outdoor adventure fanatic who'll do whatever it takes to never miss my annual week-long wilderness canoe trip in the Northern Ontario wilderness. Sports equipment has come a long way over just the past few years, and I'd love to share with you the latest (and most competitively priced) products that will save you many of the frustrations I've dealt with over the years! Please feel free to cruise the site and drop me a line on the contact page if you have ideas for improvements or anything else!
In June, 32 nations gather in Russia for soccer's most prestigious international event. Now, you can get the ball that will be used throughout the tournament—the adidas 2018 FIFA World Cup Russia Telstar Official Match Ball. The design is based on the original Telstar ball introduced in 1968, updated with pixelated detailing for a modern aesthetic and an all-new panel shape for superior performance. Step up your game with a Russia 2018 soccer ball today.
You just can't avoid the name of Lionel Messi in the soccer world anymore! And with this ball, Adidas promises to make you like Messi. Like the last ball, it has a nylon interior and is machine stitched. It also has a butyl bladder so that it retains air better. While this ball is surely a good option, it is a little pricey. The name alone probably drives it up, but if you're a Messi fan it may well be worth it to you! And oh, it also looks like a ball from Pokemon!
Why do some soccer balls get bigger over time? Many soccer balls do tend to get larger over time. Especially lower quality balls! This is due to the pressure of the bladder against the linings and cover. Over time the material and stitching may stretch out causing the ball to become larger. Also, soccer ball abuse may cause the stitching to loosen and the ball to expand.
A Futsal ball is basically an indoor soccer ball used for playing 'Futsal', a term literally meaning 'indoor football'. Futsal is a kind of soccer played on a basketball-sized court using a smaller, heavier, less bouncy ball, and demands many of the same skills as outdoor soccer. Size-wise, FIFA-approved futsal balls are just shy of 25 inches in circumference, slightly smaller than a Size 4 soccer ball. The ball is created with less bounce to facilitate indoor play.
Though, a ball designed to be played virtually anywhere will have to sacrifice something to achieve that versatility. For the Brasilia, that sacrifice comes in the form of responsiveness. While the glossy finish may offer some protection, it also reduces your touch with the ball. A bladder made out of synthetic rubber-not to mention that TPU is only okay when it comes to touch in the first place, further compounds this effect.
There are several different materials and methods of construction used in soccer balls. Typically, Polyurethane casings are preferred as they're often seamless and thermally bonded for premium play and long-lasting durability. However, many of the hand-stitched options are also very durable. The least durable options tend to be lower in price and machine stitched.
Huge fan of Bend-It, I would not consider buying any other brand of ball. I have 4 or 5 different styles that have been used and abused during club training and off-season indoor games. It's fun watching another coach pick it out of a crowd of balls to check the brand. I've even had a pro player pick this ball out of a crowd to use in group training sessions (Go STL FC!!)
Thanks to technology, finding a soccer ball is easy. Simply go online, research on the best balls out there, narrow down your search the top 10, 5 or 3 then read the reviews of people who have actually used them before. Thereafter, you can weigh the pros and cons to determine which ball is the best pick for you. The top 3 places to research on are:
This is the 4th one we've ordered! This is a tough ball that glows very brightly at night and comes with an extra battery, but we haven't had to change batteries after 2 summers of playing with it. Whenever my kids brought it out during our outdoor, night-time, community concerts, all the kids wanted to play with it and tons of parents came up to get the information on where to get it. I had originally ordered it so that my son could still see the ball at the end of his fall soccer practices, since they play on a field without lights. Now it is the favorite birthday present to give to all of my kids' friends (ages 7 and 11).
Considering the positives previously mentioned, you might be wondering why we think this ball is only suited for practice-even if it is one of the best training soccer balls we have seen. This is because the Nike is not that responsive-at least, not compared to match soccer balls. This is largely because this ball uses a rubber bladder. This bladder is not responsive at all. On top of that, the foam lining and TPU casing are not the most responsive either-even if the latter does have texture to help increase its responsiveness.
Where is a good place to buy soccer balls? At Soccer Ball World of course! We have taken great care in providing you with the best soccer balls and accessories for your money. To go to our store, click here. Otherwise, you can go to the many other web stores or local retail stores that provide soccer balls. We recommend you use Soccer Ball World first as a guide before buying soccer balls anywhere!
Disclosure: This post is brought to you by the Insider Picks team. We highlight products and services you might find interesting. If you buy them, we get a small share of the revenue from the sale from our commerce partners. We frequently receive products free of charge from manufacturers to test. This does not drive our decision as to whether or not a product is featured or recommended. We operate independently from our advertising sales team. We welcome your feedback. Email us at email@example.com.

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P.S. I also fail to understand your fascination with real estate. Granted we've had some impressive spikes along the way, especially with once in a life time bubble we just went through. But over the long term (see Case Shiller real estate chart for last 100 years ) real estate tends to just track inflation. Why would you sacrifice stock market returns for a vehicle that historically hasn't shown a real return?
Note: A Tax Bulletin is an informational document designed to provide general guidance in simplified language on a topic of interest to taxpayers. It is accurate as of the date issued. However, taxpayers should be aware that subsequent changes in the Tax Law or its interpretation may affect the accuracy of a Tax Bulletin. The information provided in this document does not cover every situation and is not intended to replace the law or change its meaning.
As long as it's something I believe it and support, it's a win – win. Companies I've been approached by in the last two years include John Hancock, Credit Karma, Discover, Capital One, MasterCard, and GM, just to name a few. It's been so fun helping these awesome companies create their own marketing plans, whether through video or other online media.
I do remember you mentioning that & how it was your ticket to exit softly and give you time to build the passive income side. Most likely when I do exit it will either be through a sale of the business which would come along with a employment contract or if a worthy successor(s) can take it over, then the business is just another annuity throwing off income. Anyway, I'd enjoy writing a guest article after I survive the next few weeks of work and weddings.
India is one of the largest centres for polishing diamonds and gems and manufacturing jewellery; it is also one of the two largest consumers of gold.[183][184] After crude oil and petroleum products, the export and import of gold, precious metals, precious stones, gems and jewellery accounts for the largest portion of India's global trade. The industry contributes about 7% of India's GDP, employs millions, and is a major source of its foreign-exchange earnings.[185] The gems and jewellery industry, in 2013, created ₹251,000 crore (US$35 billion) in economic output on value-added basis. It is growing sector of Indian economy, and A.T. Kearney projects it to grow to ₹500,000 crore (US$70 billion) by 2018.[186]
Doesn't it sound awe-inspiring to have more than one income source? You already have one source of work with a steady flow of income and then you are creating more and more work for you with more income for you. Who does not want to have lots of money in their bank accounts floating all around? For the person who values financial security and their ultimate dream is financial freedom, creating more than one source of income becomes a necessity not just desire.
Thirst for income is likely to continue with interest rates expected to stay low, keeping government bond yields low for longer and their valuations unattractive. Looking past bonds, the prices of high-dividend shares are historically high, which limits the likelihood that their dividends will rise markedly from here. Striving too high for an income target tends to push your portfolio further out on the risk spectrum.
A perfect example of the Active Problem Solving + Automation concept is in my online courses I've created over the years, or my free webinars I've created more recently Each of my online courses and webinars are targeted to help people with specific problems, whether that's in the area of affiliate marketing, podcasting, building a brand, and so forth. I am always improving upon the courses, but they are also evergreen for my audience.
Unemployment in India is characterised by chronic (disguised) unemployment. Government schemes that target eradication of both poverty and unemployment – which in recent decades has sent millions of poor and unskilled people into urban areas in search of livelihoods – attempt to solve the problem by providing financial assistance for starting businesses, honing skills, setting up public sector enterprises, reservations in governments, etc. The decline in organised employment, due to the decreased role of the public sector after liberalisation, has further underlined the need for focusing on better education and created political pressure for further reforms.[354][355] India's labour regulations are heavy, even by developing country standards, and analysts have urged the government to abolish or modify them in order to make the environment more conducive for employment generation.[356][357] The 11th five-year plan has also identified the need for a congenial environment to be created for employment generation, by reducing the number of permissions and other bureaucratic clearances required.[358] Inequalities and inadequacies in the education system have been identified as an obstacle, which prevents the benefits of increased employment opportunities from reaching all sectors of society.[359]
If you answered " YES!", then you will profit from Robert G. Allen' s Multiple Streams of Income, Second Edition. In these pages, the bestselling author of the #1 megahits Nothing Down and Creating Wealth shows you how to create multiple streams of lifetime cash flow. You' ll learn ten revolutionary new methods for generating over $100,000 a year- - on a part-time basis, working from your home, using little or none of your own money.
Some good writing here! I am a realtor myself and frequently get in touch with clients that consider buying a realty estate a conservative of investing. I once heard of a transport company in Vienna, Austria, which focused their entire profit on buying eventually every house available in the downtown for about 80 years. That must be some of a passive income!
If the income is for personal services performed partly in the United States and partly outside the United States, you must make an accurate allocation of income for services performed in the United States. In most cases, other than certain fringe benefits, you make this allocation on a time basis. That is, U.S. source income is the amount that results from multiplying the total amount of pay by the fraction of days in which services were performed in the U.S. This fraction is determined by dividing the number of days services are performed in the United States by the total number of days of service for which the compensation is paid.
The business process outsourcing services in the outsourcing industry in India caters mainly to Western operations of multinational corporations. As of 2012, around 2.8 million people work in the outsourcing sector.[216] Annual revenues are around $11 billion,[216] around 1% of GDP. Around 2.5 million people graduate in India every year. Wages are rising by 10–15 percent as a result of skill shortages.[216]
4. Calculate how much passive income you need. It's important to have a passive-income goal — otherwise, it's very easy to lose motivation. A good goal is to try to generate enough passive income to cover basic living expenses such as food, shelter, transportation, and clothing. If your annual expense number is $30,000, divide that figure by your expected rate of return to see how much capital you need to save. Unfortunately, you've got to then multiply the capital amount by 1.25 to 1.5 to account for taxes.
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The Indian pharmaceutical industry has grown in recent years to become a major manufacturer of health care products to the world. India produced about 8% of the global pharmaceutical supply in 2011 by value, including over 60,000 generic brands of medicines.[174] The industry grew from $6 billion in 2005 to $36.7 billion in 2016, a compound annual growth rate (CAGR) of 17.46%. It is expected to grow at a CAGR of 15.92% to reach $55 billion in 2020. India is expected to become the sixth-largest pharmaceutical market in the world by 2020.[175] It is one of the fastest-growing industrial sub-sectors and a significant contributor of India's export earnings. The state of Gujarat has become a hub for the manufacture and export of pharmaceuticals and active pharmaceutical ingredients (APIs).[176]
Maritime trade was carried out extensively between South India and Southeast and West Asia from early times until around the fourteenth century AD. Both the Malabar and Coromandel Coasts were the sites of important trading centres from as early as the first century BC, used for import and export as well as transit points between the Mediterranean region and southeast Asia.[60] Over time, traders organised themselves into associations which received state patronage. Historians Tapan Raychaudhuri and Irfan Habib claim this state patronage for overseas trade came to an end by the thirteenth century AD, when it was largely taken over by the local Parsi, Jewish, Syrian Christian and Muslim communities, initially on the Malabar and subsequently on the Coromandel coast.[61]
But first, let's about talk passive income! What is passive income? There are many different definitions out there, but mine goes something like this: Passive income is all about building online businesses that can work for you, that allow you to generate income, and grow and scale, without a real-time presence. In other words, you don't trade time for money. You build something up front that can continue to work for you over time.
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On November 28, 2018, Judge Gonzalo P. Curiel of the U.S. District Court for the Southern District of California denied the U.S. Securities and Exchange Commission's motion for a preliminary injunction against Blockvest, LLC and Reginald Ringgold in connection with Defendants' initial coin offering ("ICO"). In doing so, the court found disputed issues of fact existed regarding whether the so-called "BLV" tokens constituted "securities" under the test set out in SEC v. W.J. Howey Co.[1] This is not the first time a court has characterized the question of whether an ICO token satisfies Howey's requirements as a factual one.[2] But, the decision is notable for being the first instance of a court ruling against the SEC in an ICO and because it focused its inquiry under Howey on the subjective understanding of particular investors rather than the objective characteristics of the tokens themselves. Continue Reading California District Court Denies SEC Preliminary Injunction in ICO Case, Says Tokens' Status As Securities Is Question of Fact
SEC Guidance
SEC Divisions' Issue Public Statement on Digital Assets and ICOs, Echoing Recent Enforcement Actions
On November 16, 2018, the U.S. Securities and Exchange Commission ("SEC") Division of Corporation Finance ("Corp. Fin."), Division of Investment Management, and Division of Trading and Markets issued a joint public statement on "Digital Asset Securities Issuance and Trading." The public statement is the latest in the Divisions'—and the Commission's—steady efforts to publicly outline and develop its analysis on the application of the federal securities laws to initial coin offerings ("ICOs") and certain digital tokens. These efforts have combined a series of enforcement proceedings with public statements by Chairman Jay Clayton and staff, including a more detailed statement of the SEC's analytical approach in Corp. Fin. Director William Hinman's speech on digital assets in June 2018. Continue Reading SEC Divisions' Issue Public Statement on Digital Assets and ICOs, Echoing Recent Enforcement Actions
SEC Brings First Enforcement Action Against a Digital Assets Trading Platform for Failure to Register as a Securities Exchange
On November 8, the Securities and Exchange Commission ("SEC") imposed a cease-and-desist order against Zachary Coburn for causing his former company, EtherDelta, to operate as an unregistered securities exchange in violation of Section 5 of the Securities Exchange Act of 1934 ("Exchange Act"). Notably, EtherDelta, a trading platform specializing in digital assets known as Ether and ERC20 tokens,[1] was not operated like a traditional exchange with centralized operations, as there was no ongoing, active management of the platform's order taking and execution functions. Instead, EtherDelta was "decentralized," in that it connected buyers and sellers through a pre-established smart contract protocol upon which all operational decisions were carried out.
In the SEC's view, EtherDelta met Exchange Act Rule 3b-16(a)'s definition of an exchange notwithstanding the lack of ongoing centralized management of order taking and execution. Robert Cohen, the Chief of the SEC's Cyber Unit within the Division of Enforcement stated after the order's release, "The focus is not on the label you put on something . . . The focus is on the function . . . whether it's decentralized or not, whether it's on a smart contract or not, what matters is it's an exchange." This functional approach echoes prior SEC guidance and enforcement actions in the digital asset securities markets in emphasizing that the Commission will look to the substance and not the form of a market participants' operations in evaluating their effective compliance with U.S. securities laws. Continue Reading SEC Brings First Enforcement Action Against a Digital Assets Trading Platform for Failure to Register as a Securities Exchange
Retail, Remedies, Resources and Results: Observations From the SEC Enforcement Division 2018 Annual Report
On November 2, the SEC's Enforcement Division released its annual report detailing the facts and figures of its enforcement efforts in fiscal year 2018. At first blush, this year's report looks strikingly similar to those from recent years, as the headline numbers in most categories are nearly indistinguishable from 2015, 2016, and 2017. This consistency may be surprising given that 2018 is the first such report reflecting exclusively the enforcement priorities of the Commission since it was reconstituted under Chair Jay Clayton.
But a closer examination of the report, including the components feeding into the top-line facts and figures and commentary by Division co-directors Stephanie Avakian and Steven Peikin, reveals a clear shift in priorities by the Division. These range from a philosophical shift in its mission to the reallocation of resources during a hiring freeze. We address here the most notable of these subtle but important changes. Continue Reading Retail, Remedies, Resources and Results: Observations From the SEC Enforcement Division 2018 Annual Report
SEC Investigative Report Urges Public Companies to Guard Against Cyber Threats When Implementing Internal Accounting Controls
On October 16, 2018, the Securities and Exchange Commission released a Report of Investigation that cautioned public companies to consider cyber threats when designing and implementing internal accounting controls. The report was based on an investigation of nine victims of email cyber-fraud schemes for potentially failing to have adequate internal accounting controls, in violation of the Securities Exchange Act of 1934. The report highlights the need for companies to reassess their controls in light of the current cybersecurity risk environment. By describing the remedial steps taken by the investigated companies, it further provides guidance about the key areas that companies should consider when assessing their own policies and procedures. Continue Reading SEC Investigative Report Urges Public Companies to Guard Against Cyber Threats When Implementing Internal Accounting Controls
State AGs Announce Settlement With Uber Over Data Breach
On September 26, 2018, the attorney generals of all 50 states and the District of Columbia ("State AGs") announced a record-breaking $148 million settlement with Uber Technologies Inc. ("Uber") over Uber's alleged failure to disclose a massive data breach in 2016.[1] The settlement holds significant implications for U.S. companies concerned about their cybersecurity measures in the face of increasing incidents of data breaches, as well as intensifying scrutiny by authorities. Continue Reading State AGs Announce Settlement With Uber Over Data Breach
The CFTC and SEC Bring Charges Against International Securities Dealer for Bitcoin-Funded Swaps Activity
On September 27, 2018, the Commodity Futures Trading Commission (CFTC) and Securities and Exchange Commission (SEC) filed parallel actions in federal court against an internet dealer that sold "contracts for difference" (CFD) based on securities and commodities margined with bitcoin. The actions, which were assisted by the Federal Bureau of Investigation and the Department of Justice, signal continued coordination among federal agencies to police market activity involving financial transactions in cryptocurrencies. Continue Reading The CFTC and SEC Bring Charges Against International Securities Dealer for Bitcoin-Funded Swaps Activity
SEC Enforcement Division Co-Director Provides Insight Into Commission's Approach to ICOs and Cryptocurrencies
Over the past year, the U.S Securities and Exchange Commission ("SEC") has increasingly scrutinized initial coin offerings ("ICO") and certain digital assets. On September 20, 2018, the SEC's Enforcement Division co-Director, Stephanie Avakian, gave a speech in which she addressed the Division's approach to dealing with these new forms of tradeable assets. This speech came only days after the SEC settled its first case charging an unregistered broker-dealer for facilitating the sale of digital tokens from several ICOs since the 2017 DAO Report. In her speech, Avakian provided three key insights into the Division's enforcement strategy. Continue Reading SEC Enforcement Division Co-Director Provides Insight Into Commission's Approach to ICOs and Cryptocurrencies
Federal Court, SEC, and FINRA Scrutinize Cryptocurrencies and ICOs
On Tuesday, September 11, 2018, Judge Raymond J. Dearie of the Eastern District of New York issued a decision holding that Initial Coin Offerings ("ICO") may qualify as securities offerings and therefore be subject to the criminal federal securities laws. This ruling came as two U.S. regulators—the Securities and Exchange Commission ("SEC") and the Financial Industry Regulatory Authority ("FINRA")—announced separate actions under securities laws against companies engaged in the cryptocurrency marketplace, including the sale of digital tokens. As the popularity of cryptocurrencies grows and businesses and entrepreneurs increasingly turn to ICOs to raise capital, these developments may serve as guideposts for how cryptocurrencies and ICOs will be viewed by courts and federal regulators in cases to follow. Continue Reading Federal Court, SEC, and FINRA Scrutinize Cryptocurrencies and ICOs
Untangling the Tangled Web of Cybersecurity Disclosure Requirements: A Practical Guide
The consequences of a cybersecurity incident can be severe. The economic loss associated with an incident can often be compounded by reputational damage, loss of trade secrets, destruction of assets, operational impairment, lost revenue following the announcement of the cybersecurity incident and the expense of implementing remedial measures. The timing and content of any public communication about a suspected or confirmed cybersecurity incident can exacerbate this loss and have a significant impact on the trading price of the issuer's securities.[1] The disclosure considerations become even more complex when a company is subject to overlapping, and potentially conflicting, regulatory obligations in multiple jurisdictions, including the United States and the European Union ("EU"). This issue is now at the forefront with the EU's new data security and privacy regime, the General Data Protection Regulation ("GDPR"), which became effective on May 25, 2018.
Continue Reading Untangling the Tangled Web of Cybersecurity Disclosure Requirements: A Practical Guide


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The atelier is likewise the new property to La Scuola dei Maestri Pellettieri di Bottega Veneta, the company's college for schooling its staff, and also the Bottega Veneta archives and museum.[12] Initially started in the summer of 2006, Bottega Veneta opened The varsity to teach and assist future generations of leather artisans in recognition of the necessity of artisanal craftsmanship and also the diminishing variety of learn leatherworkers in Italy.[12] Its pupils will have to full a few-year programs from the classroom before They can be permitted to function while in the atelier good.[12] While in the introduction to Bottega Veneta's 2012 reserve, Maier wrote that "it would be a profound reduction If your understanding and cultural wealth embodied in artisanal crafts ended up to vanish.
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The ebook discusses the handcrafted manufacture of Bottega Veneta's luxury items and attributes their signature intrecciato weave style, including an intrecciato slip-cover.[19] A next reserve detailing the "Artwork of Collaboration" task was revealed in October 2015.[18] The Atelier in Montebello Vicentino[edit]
This kind of know-how carries within it precious threads of unique creative imagination and human heritage."[6] La Scuola dei Maestri Pellettieri di Bottega Veneta also collaborated With all the University IUAV of Venice to style a post-graduate class in handbag structure and product or service development. The training course offered students with professional-amount working experience in multiple sectors with the marketplace, from the start of the design process, as a result of producing and creation, and also to the sale of products inside of a Bottega Veneta retail outlet.[twenty] Boutiques[edit]
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Bottega Veneta was Established in 1966 in Vicenza, Italy by business owners Michele Taddei and Renzo Zengiaro. Because then, it has become a byword for top-top quality Italian craftmanship. Today, the label places a modern spin on its exquisite and timeless aesthetic when continuing to champion artisanal innovation and acute attention to element. Its signature intrecciato leather accessories and complex Prepared-to-wear collections have firmly set up the house as amongst trend's leading luxurious manufacturers.
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Memorandum and Articles of Association
- Made:
- 1902
- part of archive:
- Company records of Beyer, Peacock & Co. Ltd
Memorandum and Articles of Association of Beyer, Peacock & Co (1902) Ltd, registered the 22 April 1902
Related people
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- Access is given in accordance with the Museum of Science and Industry's access policy. Material from this collection is available to researchers through the Museum's Archive Study Area.
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Please Note: This article is written for users of the following Microsoft Word versions: 97, 2000, 2002, and 2003. If you are using a later version (Word 2007 or later), this tip may not work for you. For a version of this tip written specifically for later versions of Word, click here: Moving Through a Table in a Macro.
by Allen Wyatt
(last updated July 10, 2018)
There may be times when you want to move the insertion point from cell to cell in a table. (Under the control of your macro, of course). If you are developing a VBA macro, this is done with the Move method, in the following manner:
Selection.Move Unit:=wdCell, Count:=1
In this case, the insertion point moves forward by one cell. If you want to instead move backward, just change the value used for Count:
Selection.Move Unit:=wdCell, Count:=-1
In either case, the insertion point moves to the beginning of the next or previous cell. When moving forward, the insertion point moves left to right, top to bottom through a table. If moving backward, the movement is from right to left, bottom to top. When the beginning or end of the table is reached, the command has no further effect.
WordTips is your source for cost-effective Microsoft Word training. (Microsoft Word is the most popular word processing software in the world.) This tip (801) applies to Microsoft Word 97, 2000, 2002, and 2003. You can find a version of this tip for the ribbon interface of Word (Word 2007 and later) here: Moving Through a Table in a Macro.
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When creating a macro, you may need to figure out how many fonts are available to Word. You can do this using the ...Discover More
Using a macro to format your document (or portions of your document) is not all that uncommon. If you want your macro to ...Discover More
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2015-11-10 00:04:48
JoonYoung Kim
I'm from Korea. It was a great help.
Even someone far away from you like me is getting help from your valuable sharing.
Thank you so much!
Wish you good luck everything you do.
2014-08-28 03:15:33
Patrick LEBLANC
A big Thank you for this tip, it brings a very simple and easy to understand explanation of the "Move" function.
I had spent a lot of time trying to understand MSDN examples, with no success (with wdword, wdunit, and so on).
Now I'm saved!
Got a version of Word that uses the menu interface (Word 97, Word 2000, Word 2002, or Word 2003)? This site is for you! If you use a later version of Word, visit our WordTips site focusing on the ribbon interface.
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Runtastic is an app which very heavily focuses on the user's health and various ways to improve their health through exercise. However, as everyone knows, experience is only one half of the health and weight-loss equation. To properly stay healthy and/or lose weight, an exercise program needs to be coupled with a balanced diet. So in reality, it was probably only a matter of time before the team behind Runtastic released an app to help users control their dietary intake - which is exactly what has now happened. Playing on the Runtastic name and to ensure you know who this app is by, Runtastic's new food-based app, 'Runtasty,' is now available to download on Android. The app is a free to download app and by the looks of it, does not contain any in-app purchases. So there is little harm in trying this one out, regardless of whether you are a Runtastic app user or not - although you do need to create an account to make use of the app.
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Tuesday, August 21, 2018 at 8:30 AM EDT
Wednesday, August 22, 2018 at 4:00 PM EDT
Add to Calendar
Indiana Wesleyan University
2530 Sir Barton Way
Suite 200
Lexington, KY 40509
TownePlace Suites / $109
1790 Vendor Way
Lexington, KY 40509
EXTENDED CUTOFF UNTIL August 10th
Annette Gervais
Kentucky Home Care Association
There are 435 code changes effective October 1, 2018 with 247 new codes 137 revised codes and 49 codes invalidated based on the April 24th proposed hospital inpatient prospective payment rule. These changes affect nearly every chapter in the coding manual with particular emphasis on 45 new neoplasm codes, diseases of the eye an adnexa, injury, poisoning and certain other consequences of external cause, diseases of the digestive system, 8 new codes in the nervous system, expanded cerebral infarction codes, diseases of the genitourinary systems, more myalgia codes, revisions in the musculoskeletal chapter, signs/symptoms & abnormal clinical and laboratory findings, and factors influencing health status and contact with health services. Home care coders will certainly want to learn about the invalidation of the current T81.4xxD and T81.4xxS codes for post-procedural infections and the 15 new codes proposed for post-procedural infections and three new codes for post-procedural sepsis to name just a few of the changes.
In addition to 14 CE nursing credits, the program will also provide 12 contact hours of HCS-D CEUs Plus, attendees have an opportunity to network with other coders and old friends working with ICD-10-CM coding for home care situations within KY.
Register Now! KHCA Member $199
KHCA Non-Member $299
TAKE THE EXAM! August 23rd
Where is the exam?
Indiana Wesleyan University • 2590 Sir Barton Way, Suite 200 • Lexington, KY
Click to download the Exam Registration Form
How long is the exam?
oin us for this two-day intermediate Coding Workshop that combines updated information on recent Coding Clinic Guidance, overview of the new and changed codes effective October 1, 2018 with an opportunity to fine tune your coding skills on a variety of home health and hospice coding scenarios and an opportunity to get answers to coding challenges
Judy Adams is President and Owner of Adams Home Care Consulting, Inc. founded in 2009 and provides clinical and operational consultation and education services to home care, home health and hospice organizations.
Experience in serving clients
Judy offers over 35 years of experience as a nurse executive and consultant. Her nursing experience includes educational, supervisory, administrative and staff positions in a variety of institutional and community health settings.
Technical expertise
Judy's experiences include working closely with regulators, third-party payers, occupational licensing boards and home care providers on numerous issues involving health and social supportive services in the home and community settings.
For the past 30+ years, Judy has provided a variety of educational, operational and clinical consultative services to large and small home care and hospice organizations in several states in the eastern half of the United States and taught hundreds of teleconferences and day-long workshops on diagnosis coding, OASIS, home health prospective payment system, coverage and documentation, and a variety of other clinical and regulatory home care topics for individual agencies, state associations and national organizations.
Educational/professional involvement
Judy earned her degree in nursing from the University of North Carolina at Chapel Hill. She has been certified as a Homecare Coding Specialist – Diagnosis (HCS-D) since 2003 and a Home Care Clinical Specialist – OASIS (HCS-O) since March 2011 from the Board of Medical Specialty Coding and Compliance She also held the COS-C certification in OASIS from 2006-2012 and became an AHIMA approved ICD-10-CM Trainer in June 2012. Judy regularly contributes to numerous educational manuals, videos and newsletters on a variety of home health and hospice topics.


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In 1996, we were the first manufacturer of physiotherapy equipment from
Japan to be an exhibitor at MEDICA, and this year marks the 23rd
successive year of our participation.
ITO Co., Ltd. (hereinafter "ito":Head Office)(hereinafter "ito":Tokyo)(president:Tsukasa Kurahashi), a pioneer in the field of physiotherapy equipment, will exhibit products at MEDICA (World Forum of Medicine), the world's largest trade fair for medical devices, to be held in Düsseldorf, Germany from November 12th (Mon.) – November 15th, 2018 (Thurs.).
This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20181029005028/en/
About ITO
• Trust and a track record of "100 countries"
Since our founding in 1916, ITO has actively incorporated overseas technologies and conducted our own R&D to develop a large number of physiotherapy devices. We started a full-fledged expansion of our business overseas in the 1970s.
AT the moment, we export high-quality products to more than 100 countries around the world.
• With our passion of new challenges, we continue to open a path to
brand new fields
The history of ITO's product development is the history of tackling the challenge of "small size / advanced functions / top performance." This dates back to our founder's desire to "make devices for home treatment widely available to give many people the gift of good health."
(Our History)https://www.youtube.com/watch?v=M3bzQfcfsVU
(Our Products)http://www.itocoltd.com/products/
Action for Sports Markets
• The ITO brand leads the way in sports conditioning in Japan
We have been certified as an official sponsor and official supplier to more than 20 organizations and teams, including the Japan Judo Federation, Japan Cycling Federation, Japan Association of Athletics Federations, and Japan Wheelchair Tennis Association.
• Technology and quality recognized by athletes around the world
ITO's efforts to support sports have now expanded to many countries around the world. ITO's physiotherapy devices have been officially adopted by professional football clubs like Brazil's Sao Paolo FC to provide top-level care for players.
(Action for Sports Markets) http://www.itocoltd.com/act/
View source version on businesswire.com: https://www.businesswire.com/news/home/20181029005028/en/
Hiroyuki Kino
Public Relations Department
Official website: http://www.itocoltd.com/
Copyright Business Wire 2018


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The Pick of the Day feeds into the recent uptick in interest and values for vintage trucks
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New exhibit displays a dozen amazing racing machines built in Southern California
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