The Semacon S-1200 Series Bank Grade Currency Counters are designed with Semacon's SmartFeed technology for high volume applications and are used by banks, credit unions, casinos, large retailers and other industries all over the world. Our unique SmartCount technology ensures the most accurate counts available in a desktop currency counter.
Ease of Use
The S-1200 Series Bank Grade Currency Counters are intended for use in high
volume environments such as banks, credit unions, casinos, and large retailers. They
feature an intuitively designed control panel including a 10 digit keypad for batching
along with buttons for commonly used features making these counters easy to
operate in a variety of applications.
These counters offer high-speed counting at up to 1600 banknotes per minute and
are manufactured with high performance, full duty cycle components designed to run
for many years in high volume environments.
Efficiency and Reliability
Our SmartFeed Advanced Banknote Feed System Technology rapidly and reliably
processes banknotes of all conditions ranging from very worn to brand new. Three
variable counting speeds allow the operator to detect out of place denominations at
the slower speed or maximize efficiency at the higher speeds.
Precision Counting Accuracy & Error Detection
The S-1200 Series Counters are engineered with Semacon?s SmartCount? intelligent
banknote screening system which analyzes each banknote to detect all possible
types of banknote feeding errors. This technology ensures the most accurate counts
available in a desktop currency counter.
Batching - 10 keys / 1-999
Hopper Capacity - 200 - 300 Notes
Stacker Capacity - 200 Notes
Note Size - From 115 x 50 mm to 175 x 85 mm
Power Source 110V / 60Hz or 220V / 50Hz - 50 W
Dimensions - (W x D x H) 10.5" x 9.75" x 9.5"
Unit Weight - 15 lbs.
One year warranty


We would like to say thank you to the many parents who have already paid their Voluntary Contributions.
At present our income for Voluntary Contributions received for 2019 is a very low $8,202 against a possible income of $43,080. If you are able please pay the Voluntary Contributions to help your children.
Voluntary Contributions is an important income stream for Lakelands Primary School. They contribute to the purchase of additional resources and the running of programs in the school which
have a direct impact on your children’s learning. The following are examples of resources that the school would like to purchase:
Home reading books for Junior Primary, years PP-2
Reading book sets for years 3-6
Speech resources for Kindergarten students
Maths resources for all years ie clocks to learn the time, money to learn cost and values, balance scales and measuring equipment to learn how to weigh and measure.
Weekly the Voluntary Contributions only cost $1.03 (including a 10% discount) if paid first term. It would cost $1.15 per week from Term 2 onwards without 10% discount. Every cent of the contributions you make is spent directly on our students.
For your convenience you can pay via Direct Deposit into the school’s bank account. The school’s bank account details are:
Account Name: Lakelands Primary School
BSB: 016 745
A/C Number: 190756561
Please ensure you include student name and reason for payment.
28 February 2019


Business Insurance in and around Rock Hill
Would you like Rett to create a personalized business quote?
Cost Effective Insurance For Your Business.
Being a business owner is about more than being your own boss. It’s a lifestyle and a way of life. It's a vision for a bright future for you and for your family. Because you do whatever it takes to make your business thrive, you’ll want small business insurance from State Farm. Business insurance protects all your hard work with a surety or fidelity bond, extra liability coverage, and errors and omissions liability.
Protect Your Business With State Farm
Why choose State Farm for coverage? Your fellow business owners have rated State Farm as one of the top overall choices for insurance policies by small business owners like you. You can work with State Farm agent Rett Rutland for a policy that covers your business. Your coverage can include everything from business continuity plans or a surety or fidelity bond to commercial auto insurance or mobile property insurance. Call Rett Rutland today, and let's get down to business.


TERMS AND CONDITIONS OF SALE
Terms for all invoices is net 30 days from date of shipment.
A 2% early pay discount will be available to customers in “good
credit standing” on invoices paid in full when payment is
received within 10 days of invoice date. All special prices and
quantity prices are NET.
All new accounts must have a completed credit application on
file, and will be CASH WITH ORDER or shipped
COD until credit is established. Sales to established
accounts that are more than 30 days past due will be shipped COD.
A 1½% per month finance charge will be applied to the unpaid
balance. Credit privileges will be will be forfeited on accounts
that are 30 days past due. All accounts that are 60 days past
due will be turned over to a collection agency.
In the event of default in payment by the customer, Appatek Industries,
Inc. shall be entitled to recover its costs and reasonable attorney’s
fees incurred as a result of the default or in connection with
collection of any unpaid amounts.
There will be a $30.00 service charge on all NSF or returned
Appatek Industries, Inc. does not collect sales tax. A completed
tax exempt certificate must be provided and will be kept on file.
All applicable sales taxes are the responsibility of the customer.
All prices and quotations are subject to change without notice.
Orders will be priced according to price in effect at time of
Appatek Industries, Inc. does not express or imply any warranty.
All warranties are strictly the responsibility of the manufacturer.
Appatek Industries, Inc. cannot be held responsible for damages,
labor, or freight involved.
Appatek Industries, Inc. offers customers FREE FREIGHT
on qualifying orders of 5 or more cases shipped east of the Mississippi,
and 10 or more cases shipped west of the Mississippi. These orders
will be shipped, palletized, by common carrier, and subject to
a $10.00 fuel surcharge per order. Non-qualifying orders will
be shipped FedEx, and subject to a $4.00 fuel surcharge per package
in addition to freight charges.
Hazardous Materials will not be shipped FedEx.
Appatek Industries, Inc. responsibility ceases when merchandise
is turned over to a carrier. All shipments are F.O.B.
Origin, Freight Prepaid. Damages or shortages of merchandise
must be reported to the delivering carrier immediately upon receipt
and so filed with delivering carrier.
No returns will be accepted for credit without prior
authorization. Freight on all returns must be prepaid.
All returns must be in original condition and resalable, and will
be subject to a 20% restocking charge.
Possession of this catalog does not entitle it’s holder
to purchase products from Appatek Industries, Inc.


Select the amount you want to gift to that special someone. That amount will go towards their monthly membership plan.
Schedule an email to send the Gift Card invitation to the lucky lady.
You just made someone very happy! Parcel22 is the gift that keeps on giving.
Gift Cards provide credit towards any of Parcel22's membership plans. Please refer to Plans & Pricing for details.
Each Gift Card comes with a unique redemption code. If the Gift Card recipient does not have a Parcel22 account, she will need to sign up first. On the Plans & Pricing page, she will be able to apply her redemption code. If she is already a member, she may redeem the Gift Card on her Account page.
Gift Cards may only be applied to monthly membership fees.


Make the Most of Your Money
Welcome to Informed Choice Radio, the personal finance podcast all about achieving your financial goals in life.
New episodes are published every Monday, Wednesday and Friday morning, featuring expert interviews and practical tips for making the most of your money.
You’ll learn from best-selling authors, thought leaders and personal finance experts.
Your host for Informed Choice Radio is Martin Bamford; a Chartered Financial Planner, Chartered Wealth Manager and personal finance author.
Leave a review
You can be a friend of the podcast by writing an honest review on iTunes here. Leaving a review on iTunes is the easiest way to help the show and boost or rankings! We’ll read out your reviews at the end of each weekly episode.


I can bill your insurance company, EAP benefits, and i have a sliding scale for those without insurance or not wishing to bill insurance.
Services may be covered in full or in part by your health insurance or employee benefit plan. Please check your coverage carefully by asking the following questions:
- Do I have mental health insurance benefits?
- What is my deductible and has it been met?
- What is the coverage amount per therapy session?
- Is approval required from my primary care physician? Usually this is not necessary.
My standard fees are listed on the initial paperwork. This standard fee includes more of a medical model or insurance requirement whereas i complete a full assessment, offer a diagnosis, and we develop a treatment plan to address symptoms. My sliding scale fee is different. This fee is considered a "consultation." A consultation does not offer assessments or diagnostics and there is nothing to bill towards an insurance claim. The sliding scale reflects this consultation mode only.
Here is the consultation fee that i charge per session (50 minute sessions).
Family income of 0 - $39,999 fee is $85
$40.000- $200,000 fee is $95
$201,000 - $400,000 fee is $110
$400,000+ fee is $150.
Cash, check and all major credit cards are accepted for payment.
If you do not show up for your scheduled therapy appointment, and you have not notified us at least 24 hours in advance, you will be requested to pay a $75 fee. This does not apply to medicare or medicade covered people.
Request a therapy appointment online here.
Questions? Please contact me for further information.


Are you having a hard time deciding on whether to get a new or used car? If you are, here are a few pros and cons to help you make a decision, brought to you buy our Hamilton premium used cars specialists.
New Cars: Pros and Cons
You are the first owner of the car and you get to experience the luxury of buying a brand new car. A new car also means that the car hasn’t been in any accidents and the quality of the car is exceptional. You don’t need to worry about wear and tear or any other mechanical repairs.
New cars come with modern safety features that used cars might not have. The improved safety features include AI and other computer technology that make your driving experience even more worthwhile. If you are looking for rear-view cameras, parking assist, cruise control and other monitoring systems, then a new car is a good choice for you.
New cars also come with better fuel-efficiency technology that can help you save on your monthly fuel expenses. For example, new cars often have an ‘ecos’ function that lets you drive across cities without using a lot of fuel.
Newer cars like hybrid models and electric vehicles help the environment by limiting carbon emission levels. This is a great reason to purchase a new car. In addition, purchasing environmentally-friendly cars comes with government incentives. Canadian buyers have the opportunity to earn back tax credit up to the value of almost $8,000.
One of the biggest cons of new cars is their price. New cars are a lot more expensive than used cars and this is a big reason why people tend to opt for used cars.
Used Cars: Pros and Cons
Used cars are a cheaper choice and they are often still in great condition. You also have a lot of car finance options available to you. If you are trying to stick to a budget, then a used car is a good choice for you.
New cars depreciate at a faster rate than used cars – approximately 20% from the second it has been driven.
Used cars let you pay reduced insurance fees. This is because the value of your car plays a huge factor in determining how much your monthly insurance instalments will be. Your registration fees will also be lower because this fee is also determined by how much you paid for your car.
The type of car you choose to get depends on your financial situation, lifestyle and budget. You’ll need to think about the pros and cons and choose a car that best suits your current and future circumstances. If you are looking to a buy used car, then look no further! CRS Automotive offers great used car deals. We have a 13,500-foot dealership in Cambridge, ON and a great team of highly-skilled and professional dealers. If you want to drive home with your dream car, then contact us today!
Since 2005, we have built a reputation for delivering exceptional automotive repair services and outstanding customer care.
Our commitment to excellence and dedication to our clients have made us a trusted name in automotive care.
Our team of licensed technicians is experienced in working on all makes and models, including electric vehicles (EVs) and hybrids.
Our comprehensive range of services ensures that your vehicle remains in top condition, covering all aspects of automotive repair and maintenance.
When you choose CRS Automotive, you’re choosing a team that genuinely cares about you and your vehicle.


EFishery, a start-up in the agritech industry, achieved a remarkable feat for an Indonesian company by becoming a unicorn after securing $200 million in fresh funding. Co-founded by a former resident of a disadvantaged neighbourhood in Jakarta, the start-up’s valuation soared to $1.4 billion following a Series D funding round, a significant increase from its previous value of $410 million in 2022. The funding was led by Abu Dhabi’s 42XFund, with participation from Kumpulan Wang Persaraan (Malaysia’s state pension fund), ResponsAbility Investments AG, and 500 Global, alongside existing investors such as Northstar Group, Temasek Holdings Pte, and SoftBank Group Corp, according to Bloomberg.
EFishery provides its services to around 70,000 fish and shrimp farmers across Indonesia. The company achieved its billion-dollar status during a year marked by layoffs, CEO resignations, and declining valuations in the tech industry. Global venture investors have been cautious due to slowing economies, rising interest rates, and increased inflation levels.
The company intends to use the funds to expand its operations in Indonesia and India before considering an initial public offering (IPO) in the United States or Indonesia within the next two years. In an interview, CEO Gibran Huzaifah expressed the ambition of becoming a global leader within the next five years and exploring the possibility of an IPO as early as 2025.
Huzaifah, who grew up near the slums of eastern Jakarta, faced financial hardships when his father lost his job as he entered university. He endured sleeping in various places, including the campus and mosques, and even experienced periods of three days without food. However, his encounter with a class on aquaculture sparked his interest in the field, leading him to rent a pond and venture into catfish farming. Over time, he encountered challenges in the industry, such as low profit margins and pricing issues due to middlemen.
With the help of a technologically inclined friend, Huzaifah developed an Internet-of-Things-based automatic feeder to address feeding-related problems. In 2013, he launched eFishery, focusing on understanding the industry and adopting a unique approach rather than following the crowd. The company has since expanded its business to include a marketplace for fish and shrimp farmers and buyers, as well as collaborations with financial institutions to provide farmer financing.
Following the recent funding round, Huzaifah and his co-founder now possess stakes worth over $100 million each. Despite his success, Huzaifah humbly acknowledges that his life hasn’t changed drastically. However, he finds solace in knowing that he no longer has to worry about the financial troubles he faced during his upbringing.


Depending on what home appliance you intend on buying, be it from something as plain and simple as a kettle to something that involves far more investment like a new cooker, with a little careful thought, hard earned money need not be lost. Here I'll discuss the best practices to put into place when buying a new home appliance.
If you're buying a new appliance, then the first thing that should be taken into consideration is the cost and just what your budget will afford. Once this has been taken into consideration, you have to consider the fact that the cheapest option might not always be the best. Ask yourself some questions:
• Is the item adequate enough for your requirements?
• Will the appliance be adequate enough for unforeseeable future uses, such as an expanding family?
• If I can afford it, what I have I got to gain by not buying a more expensive model?
• Have you shopped around and compared prices?
When purchasing a new home appliance taking the lest costlier option may not always be the best policy. For instance, you may decide on purchasing a budget microwave oven with a one year warranty. If this breaks after just over a year, repairs or replacement will be required whereas if you had originally purchased a more expensive machine, you have to consider the fact that it may well have lasted considerably longer. Going for the cheapest options can sometimes be a false economy.


All sponsorships include mention in all playbills for the 2015 RCP season, including You Can’t Take it With You, Fiddler on the Roof, and First Baptist of Ivy Gap. All donations are tax deductible. Please retain a copy of this form for your records. For sponsorship mention in each playbill, a minimum donation of $100 is required. We accept cash and check for payment. Payments for 2015 Season Sponsorships are due no later than April 1, 2015. Completed forms must be received no later than March 11, 2015.
2015 Season Sponsorship


We advise family-owned businesses, larger corporates and partnerships. We have the focused skills and years of experience to assist with all your commercial legal requirements. For day-to-day advice, specialised agreements and specific transactions, we’ll be right by your side.
We advise directors and business owners of their responsibilities and duties under company law, employment law and all regulations.
We advise shareholders and business partners of their rights and entitlements -from start up to exiting the business.
We advise clients on sourcing and formalising project finance, EIIS investment, capital grant funding and other business supports.
We draft and advise on all agreements relevant to any point of your business journey, including share purchase/subscription, share sale and shareholder agreements, business and asset sale and purchase agreements as well as distribution, service level, franchise, general terms and conditions and sale of goods agreements.
We have extensive experience acting in the sale and purchase of companies and businesses, joint venture agreements as well as completion of due diligence requirements for both purchasers and vendors.
We advise and formalise succession plans for clients, working closely with their accountants and tax advisers to structure the optimum tax-efficient plan to maximise value on exit.
We engage specialised company secretarial services for the filing of all documents in the Companies Registration Office – ensuring you meet all your statutory requirements.
We can assist in making sure that your business operates best practice throughout and complies with all corporate governance requirements.


Who are Censeo Select?
Censeo Select is built on the success of Censeo, the award winning specialist mortgage advisor.
Censeo Select specialises in all mortgage types. Whether you are a first time buyer, or a next time buyer, we can help you. We arrange mortgages for Residential, Buy to Let, Let to Buy and Remortgaging. We also arrange Bridging and Commercial lending.
Censeo has enjoyed excellent relationships with many Lenders, and Censeo Select is able to offer a bespoke mortgage service which is synonymous with speed and expertise. We will guide you through every stage of the process and make your experience with Censeo Select as pleasant as possible.
We combine the skills of award-winning financial services professionals with a deep understanding of the mortgage market. Our financial expertise helps us to provide the right strategy for you, be it buying your first property, adding to or refinancing an existing portfolio.
We will charge a broker fee up to 1.5% of the loan amount, payable on completion. For instance for a £100,000 mortgage the fee will be £1,500. The amount we will charge is dependent on the amount of research and administration that is required. The overall cost for comparison for Shared Ownership is 6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. Your home may be repossessed if you do not keep up repayments on your mortgage. Censeo Limited is an appointed representative of First Complete Limited, No2 Methuen Park, Chippenham, Wiltshire, SN14 0GB, which is authorised and regulated by the Financial Conduct Authority. Censeo Limited is registered in England and Wales, company registration number 06453977, the Registered Address Unit 2, The Village, Guards Avenue, Caterham On The Hill, Surrey, CR3 5XL.


Are your energy costs bleeding you dry? Are you looking to retrofit the lighting in your business or warehouse? You might be in a situation where you’re looking to do an upgrade, but you’re concerned it will cost a fortune. Don’t be, because we’re here to help.
We’re American Lighting Supply, your light rebate company. As a California company, we’ve been around since 1986. Our team of engineers, professional installers and rebate specialists all share a goal, which is to save you money. Technology is growing and expanding by leaps and bounds. Energy efficiency is no different, and sizeable rebates are often attached to newer equipment. Here’s how it works-when you contact us, we’ll perform a free, customized lighting assessment at your workplace. Then we’ll prepare an easy to understand and detailed proposal. It will identify the light levels, energy costs and return on investment. There are also incentives and rebates for every project. Each rebate program is different, and the rules and requirements can be confusing, but we’ve made it a point to become experts. We’ll deduct the rebates from the cost of the project, so it’s one less thing for you to worry about. Our company also offers no money down financing on every project.
At American Lighting Supply, we know you have a choice regarding who you do business with. Decades of experience and scores of trilled clients have made us the undisputed leader in our field. Do yourself and your bottom line a favor. Contact us today.


Applying online is as easy as 1-2-3.You can apply now in as little as 20 minutes.
- Apply Now and complete the application.
- When you have completed the application, click submit and your information
will be reviewed for approval.
- A Shea Mortgage Inc. Loan Originator will follow up to answer your questions.
Our goal is to provide the highest level of service at competitive rates. Our Loan Originators are only a phone call away if you need help. Contact us at 480-348-6538.
I have been in the mortgage industry since 1999, beginning my career on the operations side. I believe my background as a loan closer, processor and underwriter is beneficial to my clients as I not only understand how to originate a loan, but am also very well-versed with the entire mortgage process from application to servicing and have a strong understanding of what will be required throughout the course of your loan. I have held an Arizona Loan Originator license since 2010 when the NMLS was created and truly love being able to help people achieve their dream of homeownership. My promise is to facilitate a smooth process from pre-qualification all the way through to closing and to maintain a high level of communication to ensure that my clients feel comfortable every step of the way. At Shea Mortgage, a division of J.F. Shea Co., Inc., our goal is to provide you with the highest level of service at competitive rates.


Azure Urban Resort Residences - St Tropez Tower
St Tropez (sun-tro-pay) is one of the most celebrated seaside towns on the French Riviera, and is known today as the playground to jetsetters, models, and millionaires.
This exquisite summer destination, once described by the French daily Figaro as having the greatest number of famous faces per square meter is the inspiration behind the Azure’s third tower.
Option 1: Spot Cash
- 100% Spot Cash payable in 30 days with 1.60% Discount
Option 2: 20-80 Scheme
- 20% Spot Cash payable in 30 days
- 80% Remaining Balance thru Bank Financing


Senate leaders have reached an agreement on a two-year budget deal. The deal would raise the budget caps that were established by the Budget Control Act in 2011 by almost $300 billion over the next two years. It would also fund the government for the next month while the Appropriations Committee decides where to direct the money. Chuck Schumer (D., N.Y.) says the deal is a “genuine breakthrough,” and Republican leadership appears to agree.
But this is a bad deal. It is a bad deal because it hikes domestic spending. It is a bad deal, as well, because it may end the chance for a conservative legislative achievement in 2018.
Then there is the price. While on its face the deal costs about $300 billion over the next two years, it likely will set a standard for future budget negotiations. That means its cost will be almost $1.5 trillion over the next decade. That is as expensive as tax reform.
Not all of the extra spending is ill advised. That the deal raises defense-spending caps by $160 billion is welcome news; the military has been painfully squeezed by the sequester, and restoring its funding to proper levels would be a significant achievement. To secure that money, however, Republicans had to dangle $128 billion in domestic spending.
Republicans interested in passing major conservative reforms in 2018 — which could be the last chance for years, if Democrats succeed in taking the House later this year — should reject this deal and push for something better. Another year of unified Republican control of the elected branches of government in Washington is a terrible thing to waste.
— Get insight from the best conservative writers delivered to your inbox; sign up for National Review Online’s newsletters today.


|Please visit our ***NEW*** OBF/BOSC website: https://www.open-bio.org/|
You can donate to the OBF through our fiscal sponsor, Software in the Public Interest, Inc.. Donations can be made by check, wire transfer, and online by credit card. Donations made through SPI are 501(c)3 tax-exempt in the US. For Europe-based donors, SPI also has a charitable partner organization in Europe.
Your contribution helps fund a growing community of people committed to developing reusable open-source software for advancing biological research.


EveryClient (Legal) contains a comprehensive list of reports to help you with the day-to-day running of your Law Firm.
The standard reports in EveryClient (Legal) include:
|Accounts Receivable (Ageing)||Lists the law firm's accounts receivable according to the length of time an invoice has been outstanding|
|Case/Matter Resource Assignments||Displays a summary of resource assignments for Cases/Matters. It also includes a summary of completed and incomplete tasks|
|Expenses History||Provides a summary of expenses incurred that pertain to a Case/Matter|
|Invoice History||A summary of invoices generated in the system|
|Mailing Labels||Allows you to create mailing labels for 1 or more clients|
|Management Report||Provides an overall summary of costs/billing etc.|
|Payment History||Lists all payments made against invoices sent|
|Sales Tax Summary||Provides you with a summary of all Sales Tax charged to clients and paid as part of an expense related to a Case/Matter|
|Tasks Report||Lists all Case/Matter related tasks in the system|
|Time Sheet History||A summary of time sheet items that have been assigned to Cases/Matters in the system|
|Unbilled Time and Expenses||This report lists all time sheet and expense items that have not yet been billed to a client, i.e. all items that have not been added to an invoice|
If for whatever reason, the standard reports aren't sufficient, please feel free to ask and we will be happy to discuss your reporting needs.


We accept the following insurance plans: Aetna, Blue Cross Blue Shield of Illinois, Cigna, Coventry Health Care, Healthlink, Humana, Medicare Part B, Multiplan/PHCS, Tricare for Life, Tricare North, and United HealthCare.
Please bring your insurance card with you so that we can make a copy for your medical record. If you have a change in insurance, address or phone number, be sure to notify the receptionist so that the change can be entered into our system.
If your insurance provider is not listed, please call our office to see if they are accepted. Please check with your insurance to verify we are in-network. Some plans have special exclusions that we aren't always aware of.
We accept all major credit cards for payment, such as Visa and Mastercard, and American Express. All balances are expected to be paid at the time of service
If you have any questions, please don't hesitate to call our Centralized Billing Office at 618-282-7900.
PATIENT INFORMATION AND RESOURCES


The members consist of chief financial and accounting officers. Membership is by invitation only.
The annual PACCON membership fee is $825 per institution and is due by Friday, November 8, 2019.
Fees can be paid online here.
The fee includes two registrations to the Annual Conference.
California Lutheran University
Claremont Graduate University
Claremont McKenna College
Claremont University Consortium
Harvey Mudd College
Lewis and Clark College
Loyola Marymount University
Mount St. Mary’s University
Saint Mary’s College of California
Seattle Pacific University
University of LaVerne
University of Portland
University of Puget Sound
University of Redlands
University of San Diego
AICCU (Association of Independent California Colleges and Universities)
Independent Colleges of Washington
The Alliance (Alliance of Oregon Independent Colleges and Universities)


Make a donation online through PayPal. You’ll be able to enter your donation amount, and then pay with a credit card or through your PayPal account.
Call Dr. Leonard’s office at 612-280-6244.
Mail your check to:
Arnold S. Leonard Cancer Research Fund
715 Florida Ave South, Suite 406B
Golden Valley, MN 55426
Your donations are 100% tax deductible. The ASL Cancer Research Fund tax ID# is 20-2924536.
Funds raised at the Arnold S. Leonard Cancer Research Fund are purposely dedicated to Fund #8203 of the Minnesota Medical Foundation which sponsors genetic research at the University of Minnesota Medical School.
All net proceeds support cancer research at the University of Minnesota.
Thank you for your support. We hope that we will be able to make an impact in the near future on this most dreadful disease: cancer.


In this fast-paced world, it’s easy to overlook certain expenses that may not occur regularly but can significantly impact our finances. These forgotten expenses can often lead to financial strain and disrupt the household budget. To maintain a healthy financial outlook, it’s crucial to identify and account for these hidden costs. Quickstartmoneysite.com can be regarded as the key that will allow you to enter the doors leading to a financially secure and successful future.
One of the most common pitfalls in household budgeting is overlooking subscription services. Streaming platforms, software subscriptions, gym memberships, and other recurring expenses can quickly add up and strain your finances. Review your bank statements regularly to identify and cancel subscriptions you no longer use or need.
Home Maintenance and Repairs
Homeowners and renters alike often forget to budget for home maintenance and repairs. Appliances breaking down, plumbing issues, or roof repairs can catch you off guard. Creating an emergency fund for these unexpected expenses can save you from financial stress when such situations arise. Discover how to recognize and take into account all of your concealed expenses so you can start boosting your savings right away at Instantpaydayloansoh.com.
Medical expenses can be unpredictable, especially if you have a high-deductible health plan or no insurance. Budgeting for co-pays, prescription medications, and unexpected medical emergencies is essential. Consider contributing to a Health Savings Account (HSA) to cover these expenses tax-free.
Pet owners may overlook the costs associated with their furry companions. Pet food, grooming, veterinary visits, and pet insurance expenses should be factored into your budget. Planning for your pet’s needs can prevent financial strain during emergencies.
Seasonal and Occasional Expenses
Certain expenses occur only during specific seasons or occasions. Holiday gifts, vacations, and celebrations can significantly impact your budget. Create a separate fund for these events and contribute to it throughout the year to ensure you’re financially prepared. Are you prepared to participate in the festive season without going over budget? Allow US-creditcards.com to serve as your personal financial consultant as you navigate the world of occasional costs.
Emergency Fund Contributions
Building an emergency fund is crucial, but many people forget to allocate a portion of their income regularly. An emergency fund is a safety net during unexpected situations like job loss or major repairs. Aim to set aside a percentage of your earnings every month.
Taxes and Insurance Premiums
Property taxes, income taxes, and insurance premiums are essential expenses that can easily be forgotten in your budget planning. Ensure you set aside money for these obligations to avoid last-minute financial strain.
Personal Care and Grooming
Budgeting for personal care items such as haircuts, skincare products, and grooming supplies is often neglected. These seemingly small expenses can add up over time. Allocate a reasonable monthly amount for personal care to keep yourself presentable without overspending.
Vehicle maintenance and repairs are frequently overlooked expenses. Regularly servicing your car and setting aside money for repairs can prevent large, unexpected bills.
Gifts and Celebrations
Special occasions like birthdays and anniversaries demand gifts and celebrations. Forgetting to budget for these events can disrupt your monthly expenses. Plan and allocate funds for gifts to avoid last-minute financial strain.
Education and Skill Development
Investing in education and skill development is essential for personal and professional growth. Whether attending workshops, online courses, or buying educational materials, budgeting for learning opportunities can yield long-term benefits.
Overlooking bank fees is a common mistake. ATM fees, overdraft charges, and monthly service fees can accumulate without notice. Opt for accounts with minimal fees or take necessary precautions to avoid additional charges.
Memberships and Associations
Remember to include their costs in your budget if you’re a member of clubs, professional associations, or subscription-based services. Evaluate the value of each membership and cancel any that you no longer find beneficial.
Miscellaneous expenses, such as stationery, household supplies, or emergency home repairs, don’t fit into specific categories but are still essential. Set aside a portion of your budget for these unpredictable yet necessary expenses.
Creating a comprehensive household budget requires attention to detail and a proactive mindset. By accounting for commonly forgotten expenses, you can achieve better financial stability and avoid surprises. Remember to regularly review your budget, track expenses, and make necessary adjustments to stay on track.


Productivity and Innovation Credit (PIC) Scheme
(last updated Mar 2013)
Good news! Your business can enjoy 400% tax deductions/allowances and /or 60% cash payout for investment in innovation and productivity improvements under the PIC scheme*. On top of it, from YAs 2013 to 2015, your business may also enjoy a PIC Bonus, a dollar-for-dollar matching cash bonus #. This means, for e.g. if you invest $15,000 in training for YA 2013-2015, you will receive your full investment back plus an additional cash-payout of $9,000!
For more info please refer to http://iras.gov.sg/irashome/PIcredit.aspx or contact us, we will be happy to explain these to you.
* Cap of $400,000 for tax deduction option and $100,000 for cash payout option per YA
# Up to $15,000 for YA2013-2015


CFMWS Announces Renewed Partnership with BMO Bank of Montreal
Canadian Forces Morale and Welfare Services (CFMWS) has recently signed a ten-year extension of its partnership with BMO Bank of Montreal. With the extension, BMO continues to be the Official Bank and provider of banking services and financial products to members of the Canadian Defence Community.
Since 2008, BMO has served as the official bank of the Canadian Defence Community Banking (CDCB) Program, designed to serve the banking needs of regular force personnel, reserves, recruits, military families, veterans and retirees, as well as Department of National Defence and Staff of the Non-Public Funds civilian personnel, the RCMP and the Canadian Coast Guard.
The CDCB Program offers products and services specifically designed to meet the needs of the defence community, such as free banking with the Performance Plan and the BMO Support Our Troops MasterCard. A portion of each transaction made with the BMO MasterCard goes to Support Our Troops, the official charitable cause of the Canadian Armed Forces, and has generated over $519 thousand so far.
“Over the past decade, our partnership with BMO has allowed us to improve the lives of members, veterans and their families, and we are excited to continue delivering a wide range of benefits specifically designed for our Defence Community,” said Sean N. Cantelon, CEO, Canadian Forces Morale and Welfare Services. “We look forward to working with BMO in this renewed partnership to enhance services that meet the needs of the Defence community, today and tomorrow.”
To learn more about the Canadian Defence Banking Program and other financial services offered by Canadian Forces Morale and Welfare Services, visit www.cafconnection.ca/National/Programs-Services/Financial-Services.aspx


Maxime joined WINE BANKERS & Co in July 2010. He had previously worked in investment banking at UBS in the Wine Banking team of Jean-Luc Coupet and in a renowned venture capital fund.
Over a combined experience of ten years in M&A, Maxime has successfully advised over 30 operations in the wine and spirits sector to date. Maxime is a passionate wine amateur, an avid rugby player and a shareholder of a spirit company and of a craft brewery in France.
He graduated from ESCP-Europe with a major in finance.
JEAN-LUC COUPET Managing Partner
Jean-Luc joined WINE BANKERS & Co in June 2010 as Managing Partner with the objective to help develop this young independent boutique firm. Former investment banker for 33 years and wine enthusiast since his teen age, Jean-Luc previously managed mergers & acquisitons teams specialised in the wine and spirits industry: first for 18 years at Compagnie Financière Edmond de Rothschild then at UBS Group where he incepted in 2003 the Wine Banking department with a team of five dedicated to this type of transaction worldwide.
Jean-Luc has successfully advised over 200 operations in the wine and spirits sector to date. Jean-Luc is also co-founder and shareholder of wine estates in France, notably in Roussillon and in Burgundy. He graduated from Université Paris Dauphine (Master of Advanced Studies in Finance).
THIBAUT BAZIN DE CAIX Founding Partner
Thibaut founded WINE BANKERS & Co in April 2009 with the goal of building an independent actor on the niche market of mergers and acquisitions in the wine and spirits industry. He developed and managed the firm before partnering with Jean-Luc Coupet in June 2010. He had previously worked for three years as an investment banker for UBS in the Wine Banking team led by Jean-Luc.
In the last thirteen years, Thibaut has successfully advised over 50 operations in the wine and spirits sector to date. Thibaut comes from a family of wine lovers, the Lurton family who owns wine estates in Bordeaux and abroad. He graduated from Reims Management School and the European School of Business of Reutlingen in Germany with a major in finance. He also holds a Specialized Master’s degree in Private Banking & Real Estate from group ESC Bordeaux.


Secure Rural Schools and Roads Funding
United States Senate Passes Amendment to Surface Transportation Bill Reauthorizing Secure Rural Schools Act for One Year
|According to the National Forest Counties and
Schools Coalition:The National Forest System was formed in 1905 from the Forest
Reserves, which were established between 1891 and 1905 by presidential proclamation.
During that time, 153 million acres of forestlands were set aside in Forest Reserves and
removed from future settlement and economic development. This imposed great hardships on
those counties that were in and adjacent to these new reserves. In many cases, 65 to 90
percent of the land in those counties was sequestered in the new forest reserves, leaving
little land for settlement, economic development and diminishing the potential tax base to
support essential community infrastructure such as roads and schools. There was
considerable public opposition in the forest counties to establishing these reserves.
In 1908, in response to the mounting opposition to the reserves in the West, Congress passed a bill which created a revenue sharing mechanism to offset for forest counties the effects of removing these lands from economic development. The 1908 Act specified that 25% of all revenues generated from the multiple-use management of our National Forests would be shared with the counties to support public roads and public schools. People in our forest counties refer to this as the "Contract with the People of Rural Counties" which was part of the foundation for establishing our National Forest System. This mitigation mechanism was and continues to be a part of the foundation of our National Forest System.
It was the intent of Congress in establishing our National Forests, that they would be managed in a sustained multiple-use manner in perpetuity, and that they would provide revenues for local counties and the federal treasury in perpetuity as well. And, from 1908 until about 1986, this revenue sharing mechanism worked extremely well. However, from 1986 to the present, we have, as a result of environmental activism, lawsuits, and legal challenges reduced our active multiple-use management of the National Forests and revenues have declined precipitously. Most counties have seen a decline of over 90% in actual revenues generated on our National Forests, largely as a result of the decline in all forms of timber harvesting, grazing, and minerals extraction.
Idaho Community Forest Trust Proposal - counties to transition away from uncertain federal payments under the SRS to county management of certain federal forest lands. The proposal is for Community Forests to be designated from federal forest lands within Idaho and managed in trust by the state for the benefit of county governments and local communities. Proceeds from the management of these lands would then go to counties which are currently receiving SRS funding in lieu of transfer payments from the federal treasury; Community Forest Trust proposed;


How To Make Money At Poker Casinos
Beginner players always wish to understand more about how to earn money at Poker Casinos. It is not magical, you understand. Yes, there are people who move to a casino night and earn $500. However, that is random fortune or variance and it is nice when that occurs. Nonetheless, you may lose $500 as readily. Thus, that isn’t the best way to generate money from online poker casinos. The very first thing you need to do is to select the best casino. That may sound simple what with numerous poker casinos launching all across the States. But you don’t wish to play at a casino which has just racing slots and games.
Table games are where the real money is. A number of the profit earning table games include Texas Hold’em and Blackjack. As soon as you’ve picked a casino restaurant, then you want to find a sense of the location. Avoid those slots. Rather, find exactly what the gambling tables have to offer you. Texas Hold’em is also among the greatest games ever as it’s a very low house advantage, among the cheapest, in reality. The casino is pleased to leave the majority of the cash to gamers and requires just a little cut. To earn money in poker casinos, you still have to come across a game/game which you enjoy. Even though Texas HoldCeltics would be your most rewarding, you might play Baccarat or Blackjack.
The gain margin in poker is quite tiny. It’s projected that players create 1 or 2 major blinds each hour in a desk. Of course, the specific amount is dependent upon how great you are and just how awful your competitors are. Nevertheless, it’s correct that experts in poker casinos earn money every time they perform, even if they lose. How can they get it? They have a three-pronged plan:
1. Make their competitions fold whenever they have the best hands and so win more baskets.
2. Reduce losses by bending when they’re defeated or retaining strands little at these times.
3. Make pots large if they really have a winning hands.
4. Attempt to have the lowest statistical edge in any way times. By taking small actions to make sure maximum gains, they can make sure long-term gains.
The absolute most significant issue to remember is that no matter your ability level, you’re still gambling – significance, banking in your fortune. Thus, nobody may have constant winning streaks as you can not lose all of the time. The rule is to not place over 5 percent of your bankroll on each table. An ounce of luck having plenty of hands is able to assist you in making money out of poker casinos. There are lots of online poker rooms on the market competing for your business.
The same as every casino, many provide invaluable bonuses to lure new clients. This is a great item for you, the customer! Several online casinos and online poker rooms may provide a”deposit bonus” to gamers generating new accounts. Many will fit your first deposit, $100, $200, $300, all of the way around $1100. With that money on your online casino bankroll, then you will observe a good deal of cards and play with a good deal of games, boosting your likelihood of winning the money.
This may also be a means to buy into this next tournament you are eyeballing. Already have an account in the online poker room or casino? Just make a brand new one and claim your free cash. That is an edge just online casinos possess, enjoy it while it lasts! Several online poker rooms may ask that you submit a”bonus code” when registering, but many are more sophisticated and will employ it mechanically.
That means you may be thinking you could just make your deposit, then await the casino to suit, then withdraw your deposit with a hefty gain. Online casinos usually do make it effortless to receive your free bonus, but they need that you bet a certain sum of money until all your bonus is put on. This may be overcome by enjoying many smaller matches and playing. With a massive deposit bonus, you may enjoy playing online casinos to get a very long time to come back!
Most online casinos provide limited bonuses. This signifies is the quantity of the bonus isn’t discharged into your accounts until you’ve played with a prescribed amount of palms. The number of palms varies based on the website but it’s typically no greater than you’d expect to perform in a couple of sessions. The online casinos create this information prepared available for you on your member control panel.


You might have the idea of starting up a small business and taking it to the top. You need to make sure that you follow the right steps so that there is nothing holding back the business. When you are starting a business from the scratch, the complications that you will have to solve are much complicated. Therefore, it is important that you focus on the right ways so that you can save yourself and the business from failure and get into the path of success. There are many things and aspects which need to be taken care of when taking steps to success. However, there are certain majorly important factors that need to be taken care of. Here are some of the things that you need to know about giving the right start to a small business to gain success:
Handle the finances
If you are doing well in handling the finances of your newly started business, you will be free from most of the complications that can come your way. When the finances are handled in the right manner, you have the chance of making use of the profits and the handled finances to upgrade your business, to provide the customers with the ultimate best, to get into the spot light and to keep your business growing. To handle the finances will not be easy. Therefore, it is important that you gain the help of bookkeepers in Sydney CBD so that you can simply improve the profits and minimize the expenses with time.Moreover, if you handle the finances of the business, you have the chance of improving the quality of the work and the productivity.
As your business grows, it is a must that you hire professional accountants so that the responsibility of managing the complicated finances are made easier. With better finances, you can simply gain a smooth working conditions and keep the employees satisfied so that they will bring about improved the quality of work.
Look into the interest of the customers
It is always important that you adjust your business so that you are eyed by the customers and has the capability of pleasing the customer. One of the advantages of starting up a new business is that you can give it a start with all the things that will attract the customers. Make sure that you consider the wants and the needs of the customer into consideration because that is how you can simply win the hearts of the customers to gain the ultimate best in creating a loyal customer base.


ATLANTA -- The merger between Cumulus and Citadel is all but complete. Citadel stockholders and the FCC approved the merger today, following the Department of Justice's early termination of an anti-trust "waiting period" on Tuesday. All that's left is for the official closing of the deal -- and that's expected to happen tomorrow. Citadel owns four Syracuse radio stations. The merged company will keep the Cumulus name.
Updated 9/15 -- ATLANTA -- It was no surprise when Cumulus and Citadel announced merger plans in March, considering the companies announced they were "in talks" a month earlier. Likewise, it was no surprise today that federal regulators gave the deal a green light to proceed. Stockholders of Citadel, which owns four Syracuse radio stations, are expected to approve the merger on Thursday.
In a press release issued today, Cumulus says Thursday's expected approval will also give Citadel stockholders the chance "to make an election with respect to the consideration they wish to receive in the Merger." Earlier, the Department of Justice gave its approval, under the condition that the merged company will divest one Michigan radio station and two in Pennsylvania.
Aside from Thursday's meeting of Citadel stockholders, Cumulus says the deal still requires approval from the Federal Communications Commission and it must satisfy "other customary closing conditions." Update 9/15: The FCC has also approved the merger.
In Syracuse, Citadel owns top-40 station 93Q (WNTQ), rocker 95X (WAQX), news/talk 105.9 The Big Talker (WXTL) and sports-talk The Score 1260 (WSKO). The company owns more than 210 stations nationwide. Post-merger, the entire company will retain the Cumulus name, with about 570 stations in 120 markets, including eight out of the nation's top ten.
There's still no firm date for a closing, but both sides have previously said they had been hoping to close the deal in the fourth quarter of this year.


The Irish Pound
The Irish pound was phased out of use in Ireland during January 2002. The Irish Pound (or Púnt -- its name in the Irish language) was fixed at 1 Euro to 0.787564 Irish Pounds. People still occasionally refer to prices in the old currency (especially when talking about expensive things like cars and houses) but for most day-to-day transactions it's a thing of the past.
The Euro is Ireland's new currency. Euro notes and coins issued in any Euro Zone country is legal tender in Ireland.
Old currency notes may still be exchanged for euros by calling into a bank. There are limits to the amount that may be converted in one transaction.
Euro Conversion Table
1 euro = 40.3399 Belgian francs
The euro's value compared to the US dollar varies all the time. At the time of writing (September 2002) it is almost parity with the US dollar, ie 1 dollar = (approx) 1 euro.
On the front of the banknotes, windows and gateways symbolize the European spirit of openness and co-operation. The 12 stars of the European Union represent the dynamism and harmony between European nations.
To complement these designs, the reverse of each banknote features a bridge. The bridges symbolize the close co-operation and communication between Europe and the rest of the world.
The eight denominations of coins will vary in size, colour and thickness according to their values which are 1, 2, 5, 10, 20 and 50 cent or EUR 1 and EUR 2. One euro is divided into 100 cent. One side of each coin will feature one of three designs common to all 12 euro area countries showing different maps of Europe surrounded by the 12 stars of the European Union.
The reverse side of each coin will show individual designs relating to the respective Member State, surrounded by 12 stars - see Country-specific faces, or click on the relevant country's flag.


Yukio ’41 and Toshiko Nakayama visited Duke often during the 60 years they were married. Their visits always took them to Duke Gardens—their favorite place on campus. In their later years, they enjoyed stopping by the Nasher Museum of Art. The Nakayamas gave frequently to financial aid, proud to support what they thought were the finest students anywhere.
The couple planned for years to give their entire estate to Duke. Now that their ashes rest in the Memorial Garden at Duke Gardens, their $7.37 million estate is helping students and supporting the places they loved. Forty percent of the gift created the Yukio and Toshiko Nakayama Financial Aid Endowment, 40 percent went to the Yukio and Toshiko Nakayama Art Museum Endowment, and 20 percent to the Nui Kono Nakayama Gardens Endowment.


Dheeraj works in the capacity of an Accounts Executive. Dheeraj Singh Rawat has been working with ICCo since January 2016. He has 7 years of work experience in Accounts with both public and the private sector. He was previously working with renowned companies like JOP Power Infra Engineering Private Limited and Earth Infrastructure Limited. At ICCo, he manages finalization of accounts, day-to-day accounts, audit queries, taxation and service tax. Dheeraj holds a Masters degree in Commerce.


ATB-Market became the winner in two nominations at once for the Best Retail Project 2018 – “WOW-Ads 2018” and “Collaboration of the Year”, as part of the annual Congress Retail Expo, which was held on November 7 in Kyiv.
The Expert Council of the award highly appreciated the work of the company in the implementation of social and cultural projects. First of all, it is the organization of the concert of the star of Latin American music Enrique Iglesias at the NSC Olympic, which gathered about 100 thousand visitors and publishing books with augmented reality “Alice in Wonderland” and “Alice in the Looking Glass” Thousands of copies.
To date, the ATB retail chain continues to hold leading positions among Ukrainian retailers.
Since the beginning of 2018, the company has opened 62 new stores, of which 26 in the West, 13 in the southern regions of the country. During the first half of the year, more than 3 thousand new jobs were created.
The trade turnover of the ATB trade network for the first half of 2018 was 48.4 billion UAH (with VAT), which is 32.6% more than the same period last year.
According to the State Fiscal Service of Ukraine, ATB-Market is the leader of the TOP-10 of the largest taxpayers in the wholesale and retail trade for 6 months of 2018. The company paid 3.2 billion UAH to the budget, which is 1.2 billion UAH or 57.9% more than the same period last year.


November 15, 2017 2:00-3:00pm ET / 11:00-12:00pm PT
As CMS continues to evolve its value-based payment (VBP) goals, more states are focusing on their own initiatives. Produced in partnership with the HealthCare Executives Group, this webinar will provide an overview of state-level VBP strategies and explore the state of Tennessee’s value-based payment initiatives.
Presenter Lisa Conley, Government Affairs Specialist at Change Healthcare, will share the results of her latest research into state VBP strategies.
Presenter Brooks Daverman, Director of Strategic Planning and Innovation for the Tennessee Division of Health Care Finance and Administration, will discuss lessons learned from the introduction of episodes of care and the application of other VBP strategies in TennCare, the state’s Medicaid program.
Mr. Daverman helped develop and launch Tennessee’s Health Care Innovation Initiative, a partnership which aims to facilitate the state’s transition from a volume-based to value-based payment model. Partners include TennCare, CoverKids, Tennessee Hospital Association, Tennessee Medical Association, the state’s four largest insurance carriers and its employee benefits administration.


BON Secretariat and SNB desk received series of appeals from individuals and corporate bodies for a downward review of the induction fee on the premise of the harsh economic situation in the country.
Although some members have paid the N55,000.00, SNB is glad to inform you that the INDUCTION COMMITTEE has accepted the downward review to Twenty-Five Thousand Naira (N25,000.00) only for those that will participate in the 1st Batch of Induction.
The induction dates are:
Abuja Centre: Thursday December 1, 2022.
Venue: To be communicated.
Time: 10:00 am
Lagos Centre: Tuesday December 13, 2022.
Lagos venue and time will be communicated to members in due course.
Guest Speaker: Professor Tonnie Iredia, former Director General NTA
Chairman of the occasion: Amb. Yemi Farounbi
Discussants include but not limited to the following:
Dr. Mansur Liman – Director General FRCN/Vice-Chairman BON
Mallam Yakubu Ibn Mohammed OON- former Director General NTA
Sa’a Ibrahim – Director General, ARTV, Kano/ Fmr. Chairman BON among others.
Deadline for payment of Induction fee (N25,000.00) is Wednesday 16th November, 2022. Members are kindly requested to pay in their names rather than a company for easy identification. This will enable the Secretariat process for receipt of payments and provide further information.
It is important to note that only those who meet the payment deadline would have their names listed in the induction brochure.
Kindly pay to:
Acc. Name: Society of Nigerian Broadcasters
Acc. Number. 1219980653
Inductees should arrange for their accommodation; however, the Secretariat would assist in booking hotel only for interested members. Kindly call Ezekiel on 08062227549 for information and assistance.
Please send your Full Name, Organisation, Application Number, Contact number, WhatsApp number, email address and preferred induction location either Abuja or Lagos to [email protected] or to WhatsApp 08033315256. Kindly ignore if you have responded earlier.


I am on the hunt for the perfect centerpieces.
And my budget: $15 a table.
This beauty puts me in at $11. I would then use my last bit of money to sew my own table runners or table clothes. Here is the cost breakdown:
-Flowers $5 (walmart)
– Votive candle holders $3 (dollar tree)
-Vases $2 (dollar tree)
-Rocks $1 (dollar tree)
My only issue is… the flowers are fake. But it is also hard to rationalize spending $60 for fresh ones….
What are your thoughts?
Ps. The flower pin tutorial will be up soon!


A $100 dollar bill produced as a gold (ENIG) printed circuit board (PCB)
An edition of 250, signed and numbered on the reverse with Imbue hologram. Comes in a black anti-static box along with a certificate of authenticity.
- Edition of 250
- 15.7cm x 6.6cm
- Comes with certificate of authenticity
- Hand signed and numbered on the reverse with hologram
Your money is data on a computer.
*There is an edition of 15 ‘uncut sheets’ available. Made up 32 $100 bills. Please email or message for more info.


The Registry of Motor Vehicles charges reinstatement fees which have been authorized by the Massachusetts Legislature. Registry Hearing Officers have no discretion to waive these fees. They are set forth in G.L. c. 90 Sec. 33. With the implementation of the Registry’s new computer system, Hearing Officers may be charging for multiple unpaid reinstatement fees when a customer reinstates. Although this may not have been done before, this is authorized by the statute
The Registry’s new computer is apparently programmed to calculate reinstatement fees by totaling up any and all outstanding reinstatement fees for payment defaults, National Driver Register Revocations, DUI suspensions, and any other outstanding suspension or revocation from which the customer is reinstating. These reinstatement fees, which the Registry did not set, can range from $100.00 to $1,200.00. Now, customers will likely have to pay multiple reinstatement fees. Although this might be a change from how the fees were previously calculated, it is legal. These are the fees that the lawmakers established and it looks like the Registry’s new computer has been programmed to follow the law on reinstatement fees.
It is highly unlikely that individual Registry Hearing Officers will be afforded any discretion when it comes to imposing these mandatory fees as a condition of reinstatement of a driver’s license or right to operate a motor vehicle in Massachusetts. Hearing officers will likely be powerless to waive or override the required reinstatement fees, even in compelling cases.
MassDOT will only collect reinstatement fees when all of the active suspensions and/or license revocations has been served in their entirely or the customer has been granted hardship relief either directly from the RMV or the Board of Appeal. You cannot pay a reinstatement fee in advance, until all suspension / revocation time has been served and it is time to issue the license.
In addition to reinstatement fees, if the Registry has suspended your license for 3 or 7 surchargerable events, the RMV will impose a $50.00 “surcharge” at the time of reinstatement. This money is collected by the RMV and transferred to the Thomas P. Kennedy Spinal Cord Injury Trust Fund.
If you are planning on reinstating your license in the near future, you should be aware that it might be a very expensive process. Unfortunately, there is absolutely nothing that my office can do about reinstatement fees, which are mandated by law.


WISCONSIN HOMESTEAD CREDIT
By Julie Hilbert, Benefit Specialist Fond du Lac County
The Wisconsin Homestead Credit is a tax benefit for renters and homeowners with low or moderate incomes. It is designed to lessen the impact of rent and property taxes. Property taxes do not need to be paid before filing for Homestead Credit. Qualifying persons can get back some or all of their state taxes withheld during the year. Household income that is reported includes all income for tax purposes plus certain nontaxable income. Nontaxable income includes gross Social Security, SSI, Railroad Retirement, pensions, IRA income and income from investments, etc. You have until April 15, 2022 to file for your 2017 homestead credit, and after April 16, 2018, you can receive credit back to 2014. The maximum amount of Homestead Credit can be as high as $1,160. Expect to wait six (6) to ten (10) weeks for the payment from the time it is submitted. To check up on payments you can visit the department’s website at www.dor.state.wi.us. Other assistance is available by calling the Madison office at 608-266-8641.
To qualify for Homestead credit you must:
• Be a legal Wisconsin resident for all of 2017
• Have a household income less than $24,680
• Be a owner or renter of the homestead during 2017
• Not be claiming farmland preservation credit for 2017
• Not be living in a nursing home and receiving medical assistance
• No claim may be filed on behalf of a person after his or her death
Julie Hilbert the Benefit Specialist for Fond du Lac County will be conducting Free Homestead Tax Clinics for people in Fond du Lac County who are 60 years of age or older. Please see below for dates and locations. If you are unable to make it to one of the clinics please schedule an appointment by calling 920-929-3521.
What to bring: 1099’s from Social Security, banks, pensions, and any other statements of income and a copy of your property tax bill or a completed rent certificate.
Riverview Apartments – 101 Western Avenue, Fond du Lac – February 1, 2018 from 12:30 to 3:30 p.m.
Grand Court Apartments – 630 W. Arndt St., Fond du Lac – February 5, 2018 from 10:00 a.m. to 11:30 a.m.
Westnor Apartments – 653 W. Arndt Street, Fond du Lac – February 5, 2018 from 12:30 to 3:30 p.m.
Heather Meadows – 235 Winnebago Street, North Fond du Lac – February 6, 2018 from 10:30 to 11:30 a.m.
Northgate Apartments – 350 Winnebago Street, North Fond du Lac – February 6, 2018 from 12:30 – 1:30 p.m.
Waupun – 301 E. Main Street, Waupun - February 7, 2018 from 1:00 to 2:00 p.m.
(For Fond du Lac County residents only)
Ripon Senior Center – 100 E. Jackson St., Ripon – February 8, 2018, from 10:30 to 11:30 a.m.


Please download here
FURNISHED HOLIDAY TENANCY AGREEMENT
The following are the terms and conditions under which the Landlord is prepared to let the Property as holiday accommodation and is conditional on the receipt by the Landlord of the security deposit together with all those letting fees that are due to the Landlord prior to commencement of the tenancy.
1 – The Property
1.1 The furniture, fixtures and fittings (as specified in the inventory, where provided);
1.2 The use of any rights of access, paths, drives entranceway, any common parts and any other things reasonably necessary for the enjoyment of the property and which the landlord can grant.
1.3 Parking space: TBC
2 – The Deposit
2.1 The deposit shall be paid by the Tenant in advance of the start of the holiday and shall be held by the Landlord as security against the Tenant’s failure to perform the obligations set out in this agreement.
2.2 The Landlord will return the deposit to the Tenant after deduction of any money due to the Landlord, within 30 days of the end of the holiday subject to the Tenant giving full possession.
2.3 Where the property includes a telephone line and/or an internet connection, the cost of using these are included in the rental fee. However, the Tenant agrees to pay the costs of any phone calls as well as the cost of any media downloads (including, for example, downloading music, films and apps) where the cost of these exceeds £10 in total. At the end of the holiday, the Landlord will prepare an itemized bill and the costs of these services will be deducted from the Security Deposit before it is returned to the Tenant.
3 – Insurance
3.1 The Landlord agrees to insure the Property and, if he so wishes, the Landlord’s fixtures, fittings and effects, against such risks as are normally covered by a householder’s comprehensive policy. The Tenant is under no obligation to insure these things.
3.2 The personal effects of the Tenant will not be insured by the landlord.
3.3 The Tenant shall not (nor allow others to) do anything that could adversely affect the Landlord’s insurance of the Property.
4 – Tenants promises
In this paragraph, a promise by the Tenant not to do something also implies that the Tenant will not allow someone else to do that same thing. The Tenant now promises that he will:
4.1 Keep the interior of the Property in clean and good repair and condition;
4.2 Clean and keep free from blockages and obstructions all baths, sinks, lavatories, cisterns, drains, gutters, pipes, chimneys and the like;
4.3 Keep clean the carpets, curtains and all other items in the inventory (where an inventory has been provided);
4.4 Keep clean the insides of all windows and replace any which break for any reason;
4.5 Make good any damage to the Property or to the Landlord’s fixtures and fittings or to the common parts caused by the Tenant or any visitor of the Tenant to the Property, fair wear and tear excepted, and to pay any costs incurred by the Landlord carrying out such works in default;
4.6 Use the Property only as a holiday home for no more people than the maximum occupancy stated above and will not operate a business at the property or use it for any improper, immoral or illegal purpose;
4.7 Not assign, sublet, charge or part with or share possession or occupation of all or part of the Property;
4.8 Not cause nuisance or annoyance to the Landlord, other tenants or any neighbours;
4.9 Not cause any damage or injury to any part of the Property;
4.10 Not change or remove any of the Landlord’s installations, furniture, fixtures and fittings;
4.11 Not remove from the Property any of the items listed in the inventory (where an inventory has been provided);
4.12 Not change or install any locks on any doors or windows nor have additional keys made for any locks without the prior written consent of the Landlord;
4.13 Not keep or allow pets of any kind on the Property;
4.14 Report to the Landlord any disrepair or defect in respect of the Property or the fixtures and fittings and report any failure of mechanical or electrical appliances;
4.15 Allow the Landlord, his agent or contractors access to the Property at reasonable hours during the day, or to carry out urgent and unforeseen repairs or other works to the Property or to carry out maintenance of the appliances. The Landlord will normally give at least 24 hours notice but the Tenant will give immediate access in an emergency;
4.16 Whenever the Property is left unattended, the Tenant will fasten all locks to all doors and windows and activate any burglar alarm, to prevent unauthorised access to the Property; and
4.17 Not to smoke at the Property.
If the Tenant breaches any term of this agreement then the Landlord shall be entitled to re-enter the property and end this agreement immediately.
5 – Tenant’s departure
At the end of the tenancy the Tenant will:
5.1 Immediately return all the keys of the Property to the Landlord or comply with such arrangements for the return of the keys as the Landlord reasonably suggests before the commencement of the tenancy;
5.2 Remove all personal effects, rubbish and food, and leave the Property and the Landlord’s fixtures and fittings in the same clean condition and state of repair as at the start of the tenancy, fair wear and tear excepted.
6 – Inventory Check and Return of Deposit
6.1 At the end of the Tenancy the Landlord will check the Property room by room.
6.2 If the Landlord is not satisfied as to the condition of a room or anything in it, the Landlord may propose a deduction of a sum from the security deposit, in order to put the matter right. The Landlord must provide a written breakdown of any deduction proposed.
6.3 If the Tenant does not agree to the sum claimed, the Landlord will obtain a written quotation for the cost of rectification from a contractor not connected to him.
6.4 The Landlord may then accept the quotation and pay for the work. He must then provide copies of the quotation and the subsequent invoice to the Tenant. He may then deduct the sum paid from the deposit.
6.5 The deposit or the balance of the deposit shall be returned to the Tenant within 30 days of the Tenant vacating the Property.
7 – General
7.1 The Tenant shall not assign, sublet, part with or share possession of the whole or any part of the Property without the prior written consent of the Landlord.
7.2 The Tenant agrees that it is permitted to occupy the Property on a holiday letting basis only, and no periodic tenancy shall be deemed to arise out of this arrangement.
7.3 This agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.


19810-F2 W Catawba Ave
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Cornelius, NC 28031
Welcome to Michael R. Nash, CPA, PLLC, a Cornelius CPA firm, where we promise our clients fast answers, professional advice and personal support. We offer a full range of accounting, tax and financial services designed to meet the needs of your business.
We can help you save on taxes, prevent costly mistakes and free up your time to run your business. Through our work with businesses in the Lake Norman area, we have developed valuable expertise in accounting and tax practices that can immediately benefit any new or existing business. We specialize in accounting and tax services for small businesses.
We offer a free initial consultation for business owners. Call us at 704-987-3460 and ask for Mike to discuss your specific needs.
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Michael R. Nash, CPA, PLLC is a North Carolina CPA firm located in Cornelius. Our clients are located in towns like Huntersville, Mooresville, Cornelius, Statesville, Davidson, Kannapolis, Concord, and more.


Project Congo and Con Vista Sul Mondo agreed today to partner in providing funds to St. Vincent Hospital in Bukavu to complete the second floor of the Maternity Center.
In February of this year, Project Congo and Con Vista Sul Mondo toured the Maternity Center and witnessed the damage to the first floor, which is functioning with patient rooms, a labor room and birthing room. The damage is the result of the fact the second and third floor is exposed to the elements and during the rainy season, rain collects on the unprotected “roof” of the first floor.
A grant from the Heineken Foundation in the Netherlands seemed imminent at that time to complete the structure. However, in August, St. Vincent was notified they would not be receiving funds from that source.
At that time, St. Vincent appealed to the Consortium. We agreed to scale back the construction to one floor, and divide the cost. St. Vincent would also look at how to pull the costs in. The first stage agreed to is to enclose the structure to make it weatherproof.


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Bitcoin tools are software applications, platforms, or utilities that enhance the functionality, security, and usability of Bitcoin. They can range from wallets that store your Bitcoins to sophisticated platforms that allow for complex trading strategies. These tools have been developed to meet the growing needs of the ever-evolving Bitcoin ecosystem. To use Bitcoin tools, you first need to create a bitcoin wallet. We recommend a self-custodial wallet like the Bitcoin.com Wallet app to safely and easily take full control of your digital assets. Once you have a wallet, you can use it to send and receive bitcoins, and to interact with other Bitcoin tools.
Bitcoin tools are an essential part of the Bitcoin ecosystem. They make it possible for users to participate in the network and to use bitcoin for a variety of purposes. The following are some the ways Bitcoin tools are used:
Usability and Accessibility: For mainstream adoption, the intricacies of blockchain technology and Bitcoin need to be made easier. Tools that simplify the process—whether that’s buying, storing, or transacting—make Bitcoin more accessible to the average person.
Security: One of the primary concerns for Bitcoin users is security. With the right tools, users can securely store and manage their assets. This includes cold storage solutions, hardware wallets, and multi-signature setups.
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The market has been high on Rigetti Computing Inc (RGTI) stock recently. RGTI gets a Bullish score from InvestorsObserver Stock Sentiment Indicator.
What is Stock Sentiment?
In investing, sentiment generally means whether or not a given security is in favor with investors. It is typically a pretty short-term metric that relies entirely on technical analysis. That means it doesn’t incorporate anything to do with the health or profitability of the underlying company. Recent trends are a good indicator of current market sentiments. In its most basic form, stocks that are trending up are desirable by investors while stocks currently falling must be unattractive. InvestorsObserver‘s Sentimental Indicator tracks both changes in price and volume to analyze the most recent trends. Typically an increase in volume indicates ongoing trends are getting stronger, while a decrease in volume usually signals an end to the current trend. Available options can also represent current sentiments for a given stock. Since investors are able to bet on future trends of stocks using options, we consider the ratio of calls to puts when analyzing market sentiments .
What’s Happening With RGTI Stock Today?
Rigetti Computing Inc (RGTI) stock is trading at $4.79 as of 10:27 AM on Monday, Aug 15, a loss of -$0.05, or -1.03% from the previous closing price of $4.84. The stock has traded between $4.71 and $4.88 so far today. Volume today is less active than usual. So far 77,050 shares have traded compared to average volume of 449,755 shares.
More About Rigetti Computing Inc
Rigetti Computing Inc is engaged in the business of full-stack quantum computing. Its proprietary quantum-classical infrastructure provides ultra-low latency integration with public and private clouds for high-performance practical quantum computing. The company has developed the industry’s first multi-chip quantum processor for scalable quantum computing systems. Click Here to get the full Stock Report for Rigetti Computing Inc stock.
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Consolidated financial statements are the financial statements of a group of entities that are presented as being those of a single economic entity. These statements are useful for reviewing the financial position and results of an entire group of commonly-owned businesses. Otherwise, reviewing the results of individual businesses within the group does not give an indication of the financial health of the group as a whole.
The key entities used in the construction of consolidated statements are:
- A group is a parent entity and all of its subsidiaries
- A subsidiary is an entity that is controlled by a parent company
Thus, consolidated financial statements are the combined financials for a parent company and its subsidiaries. It is also possible to have consolidated financial statements for a portion of a group of companies, such as for a subsidiary and those other entities owned by the subsidiary.
These statements require considerable effort to construct, since they must exclude the impact of any transactions between the entities being reported on. Thus, if there is a sale of goods between the subsidiaries of a parent company, this intercompany sale must be eliminated from the consolidated financial statements. Another common intercompany elimination is when the parent company pays interest income to the subsidiaries whose cash it is using to make investments; this interest income must be eliminated from the consolidated financial statements.
As an example of consolidation, ABC International has $5,000,000 of revenues and $3,000,000 of assets appearing in its own financial statements. However, ABC also controls five subsidiaries, which in turn have revenues of $50,000,000 and assets of $82,000,000. Clearly, it would be extremely misleading to show the financial statements of just the parent company, when its consolidated results reveal that it is really a $55 million company that controls $85 million of assets.


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Consolidate Online Payday Loans, While you happen to be just acquiring and studying to exercise the skills forever management within your spending and credit charges, it's always to get just some charge card accounts to regulate. For their benefit, cellular phone finance low credit score loans can be found. Special scores focus on specific needs, for instance FICO scores for automobile financing with a variety of 250 to 900. It requires proactive strategies that go from the economic grain of an debt-based society. With more plus more homeowners contemplating strategic default, mortgage brokers have searched for predictive indicators to discourage and forestall them through the use of advanced credit scoring technologies. You will don't ask what could be the credit history and dread about this instead, you might look forward on checking your credit worthiness. Minus the gratification of impulse buying, time to contemplate the purchase. 'Homeowners should explore all of their options before strategically defaulting,' concluded Reyes. You will just find yourself paying exorbitant mortgage rates. This is how it can be looked at when that you are trying to get financing or anything else that needs people to examine your credit history. Keeping yourself informed about these new sorts of notices can better prepare you because of these discussions and, in return, better prepare your clients to control their finances. You will have to improve your credit rating before lenders will provide you with financing. Meanwhile, people with less-than-perfect credit pay more for loans. You can keep in-tuned and receive my updates by liking my Facebook page. If you're hoping to make an for a loan inside coming year, an improved credit worthiness is crucial not for , but additionally to receive the possible rate available for you. Never go for granted but periodically monitor your scores to insure accuracy. It is incredibly easy to think that you have money to spend once you have room in your credit card. A tweak here and there in your part may get a scores over the 720 threshold. However, it gets difficult to acquire a credit card when you employ a lousy history of credit. For them, the unsecured sorts of loans can be found. A consumer which has a score of 707 (considered good) and three plastic cards would be planning to add or lose points from his score by designing various financial moves. Apply for Alaska, California, Delaware, Georgia, Hawaii, Idaho, Kansas, Maine, Maryland, Michigan, Mississippi, Missouri, New Mexico, North Carolina, Ohio, Oregon, Rhode Island, South Dakota, Texas, Utah,Virginia, Wisconsin, Wyoming. Consolidate Online Payday Loans


The cost of a school meal is £2.20 per day or £11 per week. Payments can be made weekly on Mondays, termly at the start of each new term or monthly. The cost of school meals for the first half term (3rd September to 22nd October) will be: £79.20
Payments can be made by cash or card
All cash payments must be sealed in an envelope, labelled clearly with your child’s name, the reason for the payment and the amount enclosed e.g.
JOE BLOGGS (Y3)
07 09 2020
We are sorry but we cannot take loose change at this time. Parents can hand in envelopes to a member of classroom staff when you bring your child to school or bring it to the office at any time before 2 pm. Mrs Burton will issue a text message receipt for all dinner money payments.
FREE SCHOOL MEALS
Those eligible for Pupil Premium Free School Meals should apply at:
This will ensure that all eligible parents will receive vouchers in the event of a future Covid-19 school closure.
We offer a fruit sack for children at the cost of 20p per day. Payment for this can be made weekly (£1) on Mondays or termly (£7 this half term). This payment should also be sealed in an envelope and labelled as “SNACK MONEY” along with your child’s name.
All snacks will commence on Monday 6th September.


Mr. Brennan is Managing Partner and co-founder of Lincoln Peak Capital. Since its founding in 2008, Lincoln Peak Capital has established itself as a valued equity partner for boutique asset management firms, partnering with market leading firms that manage in excess of $90 billion. Prior to founding Lincoln Peak Capital in 2008, Mr. Brennan was an Executive Vice President and founding management team member of Affiliated Managers Group, Inc. (NYSE:AMG), a publicly-traded asset management holding company with over $250 billion in assets under management and a market capitalization of over $5 billion at the time of his departure. At AMG, Mr. Brennan was responsible for overseeing AMG’s acquisition activities, a principal component of AMG’s growth strategy, completing over 20 successful acquisitions and invested approximately $2 billion. Prior to joining AMG, Mr. Brennan was in the Global Insurance Investment Banking Group at Morgan Stanley & Co. and in the Financial Institutions Group at Wasserstein, Perella & Co. Mr. Brennan has served on the Board of Advisers of the Isabella Stewart Gardner Museum, was formerly the Chair of the Board of Trustees of The Park School and was formerly an Independent Director of Artisan Partners Asset Management (NYSE: APAM). Mr. Brennan received a BA from Hamilton College.


In many instances, services are paid for, by family or friends so do let me know if you would prefer that I liaise with someone else regarding payment.
It is up to you to decide how frequently you want me, weekly or monthly slots, or a more customized approach to suit your specific requirements.
Payments should be paid at the end of each visit and can be paid by electronic transfer via internet banking, cash or by cheque, made payable to Vivian King.
Visit rates, (which can, if required, include a brief summary of the session, sent via email to the bill payer)
- £22.00 for a minimum 1 hour visit
- £20.00 per hour for visits of two hours or more
Friends and family can even buy a GFS voucher in any denomination as a gift.
Cancellation with less than 24 hours notice will incur a 50% cancellation charge.
Car journeys will incur an additional charge of 50p/mile.
Expenses whilst ‘out’ would be paid by client.
These rates apply Monday to Friday, 9.00am to 5.00pm.
Other hours can be agreed if required.


What if you could be debt-free with an emergency fund of 3–6 months of expenses saved, all while investing for retirement and planning for your family’s future? Sound impossible? It’s not! With Dave Ramsey’s class Financial Peace University, you CAN take control of your money. If you’re interested in learning more about the class, message Justin Miller! We’re offering it through The Quest Church just for you starting March 27, 2019.
Financial Peace University (FPU) is a 9 lesson video study & money-management course taught by America's most trusted financial guru, Dave Ramsey. Dave and his teaching team will walk you through the basics of budgeting, dumping debt, planning for the future and much more.


We thought it was time to do a little reasearch and detail and list the worlds silver production by country. Among the top countries are Mexico, China, Peru (might be a surprise), Australia, and Russia. More details below, thanks for reading.
While somewhat tied to the gold markets, silver prices declined significantly in 2013, even though trends for both gold and silver point to gains in 2014. However, some of these gains will rely on silver production for 2014 with several countries producing prodigious amounts of silver for the world market.
Here’s a quick list of the top 5 silver producing countries in the world based on 2012 numbers (2013 numbers are being compiled):
With a 2012 production of 162+ million ounces, Mexico is far and away the largest producer of silver in the world. Both Fesnillo and Goldcorp have several assets producing silver in conjunction with other metals such as gold, copper and zinc and with projected reserves of well over 500 million ounces, these companies should keep Mexico in the top slot for some time to come.
Up from 104 million ounces, China silver mines produced over 117 million ounces of silver in 2012, surpassing the silver output from Peru to become the second highest silver producing country. China is also the world’s largest producer of gold in the world.
Although Peru saw a slight increase in production from 2011 to 2012 (111 million ounces up from 110 million ounces), the output from China still outpaced it. Even though Peru is now the third largest country for silver production, with in-ground assets exceeding 120,000 tons (according to USGS), the potential is there to outpace anyone in the world.
With 2012 production at just under 57 million ounces, the mines in Australia also have the potential to increase dramatically. With in-ground assets that could exceed some 69,000 tons, much of the silver supply in the country comes from the silver bearing lead ore galena which increases production costs.
Overall, Russia’s 2012 silver output stood at 45 million ounces, most of which was produced by a single company, Polymetal. Their mine in Central Siberia produced over 5% of all Russian silver production with corporate silver production being responsible for well over half (26%) of all Russian silver production for 2012.
Even though silver is used like gold as an investment hedge metal, silver also has many industrial uses which accounts for most of the demand for silver. Although over half of all silver production goes to jewelry, silverware, bullion and other sources, the largest bulk (46%) of all silver demand is for industrial purposes. While overall global production rose slightly for 2013, the price dropped dramatically. Even though trends for 2014 do show a rebound, as an investment metal, silver may not be your best hedge against future economic issues.