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This translation is for information purposes only. Legal authenticity remains with the original Norwegian version, "Mandat for forvaltningen av Statens pensjonsfond utland", which can be found on lovdata.no.
Legal basis: Adopted by the Ministry of Finance on 8 November 2010 pursuant to section 2, second paragraph, and section 7 of Act no. 123 of 21 December 2005 relating to the Government Pension Fund.
Amendments: Amended by decision no. 1792 of 21 Dec. 2010, no. 901 of 5 Sept. 2011, no. 689 of 27 June 2012, no. 943 of 4 Oct. 2012, no. 1338 of 18 Dec. 2012, no. 383 of 15 April 2013, no. 401 of 25 March 2014, no. 1783 of 18 Dec. 2014, no. 15 of 7 Jan. 2015, no. 773 of 26 June 2015, no. 1367 of 30 Nov. 2015, no. 78 of 1 Feb. 2016, no. 1036 of 5 Sept. 2016, no. 1164 of 30 Sept. 2016, no. 1781 of 20 Dec. 2016, no. 1061 of 29 June 2017, no. 1341 of 31 August 2017, no. 776 of 14 May 2018.
The Ministry places the Government Pension Fund Global (GPFG) in the form of a Norwegian krone deposit with Norges Bank (the Bank) in accordance with Act no. 123 of 21 December 2005 on the Government Pension Fund, section 2, second paragraph. The Bank shall manage this deposit in accordance with the provisions of this mandate and provisions issued pursuant to sections 8-1 and 8-2, third paragraph.
(1) The Ministry’s krone deposit shall be placed in a separate account in the Bank. The Bank shall invest this krone deposit in its own name in a portfolio of financial instruments, real estate, cash deposits and other assets and financial liabilities that the Bank manages in accordance with this mandate (the investment portfolio), cf. chapter 3.
(2) The value of the krone account shall be equivalent to the net book value of the investment portfolio. The book return of the investment portfolio less the Bank’s management costs and adjusted in accordance with the prevailing accounting regulations for the Bank shall be added to the krone account.
(3) The Bank shall make investment decisions and exercise ownership rights independently of the Ministry.
(1) The Bank shall seek to achieve the highest possible return after costs measured in the investment portfolio’s currency basket, see section 4-2, first paragraph, and within the applicable management framework.
(2) The Fund shall not be invested in companies excluded pursuant to the provisions in the Guidelines for observation and exclusion from the GPFG.
(3) The Bank shall integrate its responsible management efforts into the management of the GPFG, cf. chapter 2. A good long-term return is considered dependent on sustainable development in economic, environmental and social terms, as well as well-functioning, legitimate and efficient markets.
(1) The Bank shall advise the Ministry on the investment strategy for the investment portfolio. Advice may be provided on the initiative of the Bank or on request from the Ministry.
(2) The Bank shall advise the Ministry on the need for changes in the mandate. Such advice may be provided on the initiative of the Bank or on request from the Ministry.
(3) The Bank shall have the opportunity to express its opinion before significant changes are introduced in the mandate and shall be given notice in reasonable time of the implementation of the changes.
(2) The benchmark index for the equity portfolio constitutes 62.5 per cent of the strategic benchmark index. The benchmark index for the bond portfolio constitutes 37.5 per cent of the strategic benchmark index.
3) The Ministry establishes a plan for increase of the equity share in the strategic benchmark to 70 percent.
(1) The share of equities and bonds in the actual benchmark index is calculated daily and fluctuates with the return on the benchmark indices for the equity and bond portfolios.
(2) The value of the actual benchmark index shall be equivalent to the total market value of the investment portfolio at each month-end.
(3) Transfers to and from the krone account, cf. section 1-2, first paragraph, will normally take place on the last trading day of each month. The Ministry shall specify the transfer amount in Norwegian kroner by the fourth-to-last trading day of the month. Transfers do not affect the ratio between equities and bonds in the actual benchmark index. The Bank shall inform the Ministry on the second trading day of the subsequent month as to the composition of the new actual benchmark index.
(4) If the equity share in the actual benchmark index exceeds 74 percent, or is more than four percentage points lower than the weight in the strategic benchmark index, rebalancing shall take place on the last trading day of the following month. The Ministry sets more detailed provisions on the rebalancing of the actual benchmark index.
(5) The Bank shall inform the Ministry immediately if the criteria for rebalancing in the fourth paragraph are met. The Bank shall report on the implementation of rebalancing, including estimated costs.
(1) The Executive Board shall have a strategic plan for the execution of its management assignment. This plan shall be updated regularly and in the event of significant changes in the management.
(2) The Executive Board shall regularly evaluate the extent to which the goals in the strategic plan have been achieved.
(1) The Bank may use external managers and outsource operational functions, cf. section 5 of regulation no. 1630 of 17 December 2009 on risk management and internal control in Norges Bank.
(2) The Bank shall have guidelines for when outsourcing may be used.
(3) The fee structure in agreements with external managers shall be designed to reflect the objectives for the management of the investment portfolio, taking into account the time horizon of the relevant investment strategies. The individual management agreements on performance-based fees shall be structured so that a major proportion of the positive excess return is retained, including provisions for caps on fees.
The Bank shall seek to establish a chain of measures as part of its responsible management activities.
(1) The Bank shall establish a broad set of principles for the responsible management of the investment portfolio.
(2) In designing the principles pursuant to the first paragraph, the Bank shall emphasise the long-term horizon for the management of the investment portfolio and that the investment portfolio shall be broadly diversified across the markets included in the investment universe.
(3) The principles shall be based on the considerations of good corporate governance and environmental and social conditions in the investment management, in accordance with internationally recognised principles and standards such as the UN Global Compact, the OECD’s Principles of Corporate Governance and the OECD’s Guidelines for Multinational Enterprises.
(4) The principles and the use of instruments to support them shall be published, cf. section 2-1 and section 6-2, third paragraph, letter h.
(5) In its management of the unlisted real estate portfolio, the Bank shall, within the environmental field, consider, among other matters, energy efficiency, water consumption and waste management.
(1) The Bank shall contribute to research within responsible management with the aim of developing greater knowledge of matters relevant to the investment portfolio’s risk and return in the long term.
(2) The Bank shall actively contribute to the development of relevant international standards in the area of responsible management.
The Bank shall establish environment-related mandates within the limits defined in section 3-4. The market value of the environment-related investments shall normally be in the range of NOK 30–60 billion.
The Bank shall make decisions on the observation or exclusion of companies, and on the revocation of such decisions, in accordance with the Guidelines for observation and exclusion from the GPFG. The Bank shall inform the Ministry about decisions on exclusion of companies and the revocation of such decisions, cf. section 3-1, third paragraph.
a) The equity portfolio may be invested in equities listed on a regulated and recognised market place, listed securities that are equivalent to listed equities, depository receipts for such equities, and unlisted companies where the board has expressed an intention to seek a listing on a regulated or recognised market place.
b) The bond portfolio may be invested in tradable bonds and other tradable debt instruments, and depository receipts for such bonds.
c) The unlisted real estate portfolio may be invested in real estate or in equity and interest-bearing instruments issued by non-listed companies, fund structures and other legal entities whose primary business is the acquisition, development and management or financing of real estate. These investments may be made through Norwegian or other legal entities. Real estate means rights to land and any buildings thereon.
d) Financial derivatives and fund units only when naturally linked to investments in the equity, bond and unlisted real estate portfolios.
e) Other financial instruments only when passed to the investment portfolio as a result of corporate actions.
a) Securities issued by Norwegian enterprises, securities denominated in Norwegian kroner, real estate located in Norway or in real estate companies, real estate funds or similar structures where the primary purpose is to invest in Norway. The same applies to covered bonds secured against assets in Norway. Norwegian enterprises mean enterprises whose head office is in Norway.
b) Securities that the Bank has excluded from the investment portfolio, cf. Guidelines on observation and exclusion from the GPFG section 2-5.
c) Fixed-income instruments issued by governments or government-linked entities in the exceptional cases where the Ministry has barred such investments based on particularly large-scale UN sanctions or other international initiatives of a particularly large scale that are aimed at a specific country and where Norway supports the initiatives.
d) Unlisted companies and fund structures in a country with which Norway does not have a tax treaty or in a country from which Norway cannot request information relating to tax matters in accordance with other international agreements.
e) Unlisted infrastructure such as roads, railways, harbours, airports and other basic infrastructure.
(3) The Bank shall adopt guidelines on the exclusion and reinclusion of companies in the investment universe and benchmark index in accordance with the Guidelines for observation and exclusion from the GPFG, cf. section 2-5. The Ministry sets dates for the exclusion and reinclusion of securities in the benchmark index.
c) all securities included in the supranational sub-segment (of the government-related segment) of the Bloomberg Barclays Global Aggregate Bond Index.
(3) Bonds issued by supranational organisations are allocated to countries in the government bond sub-index based on the underlying currency denomination. Bonds issued by supranational organisations in euros are allocated to the category “Supranationals (EUR)”.
c) Other countries shall be assigned a factor of 1.
All weights in the government bond sub-index shall be standardised (sum of all weights equals 1). In addition, special provisions apply to countries in the eurozone as described in the fifth paragraph.
b) Allocation to “Supranationals (EUR)” = X * total GDP weight for countries in the eurozone based on weights calculated using the method specified in the fourth paragraph.
c) For all countries in the eurozone: Country weight = (1-X)*GDP weight for the country based on weights calculated using the method specified in the fourth paragraph.
X is determined for a period of twelve months effective from the index provider’s annual reset of GDP weights as the relationship between the market value of “Supranationals (EUR)” and the market value of all euro-denominated bonds included in the government bond sub-index. The market values are calculated as at the end of October, one month prior to the index provider’s annual reset of GDP weights, based on index data published by Bloomberg L.P.
(6) Within each country in the government bond sub-index, the bonds included are weighted using the methodology for the Bloomberg Barclays Global Treasury GDP Weighted by Country Bond Index.
(7) The corporate bond sub-index of the benchmark index for the bond portfolio comprises all securities included in the corporate sub-sector and the covered bond sub-segment (of the securitised segment) of the Bloomberg Barclays Global Aggregate Bond Index. The corporate bond sub-index is restricted to the following approved currencies: USD, CAD, EUR, GBP, SEK, DKK and CHF.
(8) Within the corporate bond sub-index, the bonds are weighted using the methodology for the Bloomberg Barclays Global Aggregate Bond Index.
(9) Securities denominated in Norwegian kroner or classified by Bloomberg L.P. as issued in Norway shall be excluded from the benchmark index for the bond portfolio. The same applies to securities issued by companies excluded by the Bank pursuant to the Guidelines for observation and exclusion from the GPFG. When bonds are excluded from the benchmark index, the remaining bonds in the sub-index in question shall be weighted up. When a company is reincluded under the aforementioned guidelines, the securities shall be reincluded in the benchmark index, cf. section 3-1, third paragraph.
The allocation to countries and regions and the distinction between developed and emerging markets are based on the FTSE Global All Cap Index. Markets included in FTSE Global All Cap Index with effect from 1 January 2019 shall be assigned a factor of 0.
where i represents the countries with the factor in question, cf. section 3-3, second paragraph. The calculation of market capitalisation is based on the methodology for the FTSE Global All Cap Index and adjusted for free float.
(4) The benchmark index is adjusted for the Bank’s tax position.
(5) Securities issued by companies excluded by the Bank pursuant to the Guidelines for observation and exclusion from the GPFG shall not be included in the benchmark index for the equity portfolio. When a company is reincluded under the aforementioned guidelines, the securities shall be reincluded in the benchmark index, cf. section 3-1, third paragraph.
(1) The equity portfolio, cf. section 3-1, first paragraph, letter a, shall constitute between 50 and 80 per cent of the investment portfolio.
(2) The bond portfolio, cf. section 3-1, first paragraph, letter b, shall constitute between 20 and 50 per cent of the investment portfolio.
(3) The unlisted real estate portfolio, cf. section 3-1, first paragraph, letter c, may constitute up to 7 per cent of the investment portfolio.
(4) Net market value shall be used to calculate the respective shares in the first to third paragraphs. In such calculations, derivatives shall be depicted with the underlying economic exposure.
(5) The Bank shall organise the management with the aim that the expected annualised standard deviation for the relative return between the investment portfolio and the actual benchmark index (expected tracking error) does not exceed 1.25 percentage points, cf. section 4-3, second paragraph.
(6) The equity and bond portfolios shall be composed in such a way that the expected relative return is exposed to several systematic risk factors.
(7) The Bank shall seek to take account of differences in fiscal strength between countries in the composition of government bond investments.
(8) The Bank shall organise the management with the aim that high-yield bonds (credit rating lower than investment grade) do not exceed 5 per cent of the market value of the bond portfolio.
(9) A credit rating is required for investments in debt instruments. All internal credit rating assessments shall be documented.
(10) The equity portfolio may not be invested in more than 10 per cent of the voting shares in an individual company. Ownership in listed and unlisted real estate companies is exempt from this rule.
(11) The unlisted real estate portfolio shall be well diversified geographically, across sectors and individual properties.
(12) Leverage may be used with a view to performing the management assignment in an effective manner, but not with a view to increasing the investment portfolio’s exposure to risky assets in the equity and bond portfolios. Leverage may also be used in fund structures and by other legal entities with the aim of performing the management assignment in an effective manner, but such leverage may not be with a view to increasing the investment portfolio’s exposure to risky assets.
(13) Reinvestment of cash collateral shall not take place with a view to increasing the investment portfolio’s financial exposure to risky assets.
(14) Short selling is only permitted if the Bank has access to the securities through an established borrowing arrangement.
h) A limit for large expected negative deviations between the return on the investment portfolio and the actual benchmark index (expected extreme deviation risk).
(3) The Executive Board shall establish a limit for how large a part of the voting shares in a single, listed real estate company the Fund may own.
(4) The Executive Board shall establish a limit for how large a part of the investment portfolio a single external manager may manage.
(5) The limits stated in the first to fourth paragraphs and subsequent changes to these limits shall be presented to the Ministry at least four weeks prior to their planned implementation, unless special circumstances indicate a shorter time limit.
(1) The Bank shall establish principles for valuation, performance measurement, and risk management, measurement and control that, as a minimum, adhere to internationally recognised standards and methods. The Bank shall evaluate its work and competence related to risk management and internal control at least once a year, cf. section 3, subsection 7 of regulation no. 1630 of 17 December 2009 on risk management and internal control in Norges Bank.
(2) The Bank shall have routines for reporting risk and exposure in the areas covered in this chapter. The measurement methods shall be complementary.
(1) The return of the investment portfolio shall be measured in the currency composition of the actual benchmark index (the investment portfolio’s currency basket), cf. section 1-6. For the unlisted real estate portfolio, the return shall also be measured in the currency composition of the actual unlisted real estate portfolio.
(2) The net return of the unlisted real estate portfolio shall be calculated after deduction of all costs, such as operating, transaction, management and tax costs.
(3) The rate of return calculations shall be designed in compliance with the Global Investment Performance Standards (GIPS) methodology.
(4) The Bank shall establish principles for valuation and return measurement for the financial instruments included in the portfolio.
(5) The method used to establish the value of financial instruments shall be verifiable and shall indicate with reasonable assurance the true value of the investment portfolio at the time of measurement.
(6) At least once a year the Bank shall obtain an external, independent valuation of the unlisted real estate investments, preferably as at 31 December.
(1) The Bank shall establish principles for the measurement and management of market risk, including relevant sources of systematic risk, cf. sections 3-4 and 3-5. The measurements shall strive to capture all relevant market risk associated with the financial instruments in use. The risk shall be estimated by means of several different methods. Stress tests shall be performed, based, for example, on historical events and scenarios for the future development of systematic risk factors.
(2) The Bank determines a method for the calculation of expected tracking error that must be approved by the Ministry.
(3) Analysis of extreme event risk shall be an integral part of the investment portfolio’s risk management.
The Bank shall establish principles for measurement and management of credit risk, cf. section 3-5. Measurements of credit risk shall strive to capture all relevant credit risk linked to the financial instruments in use.
(1) The Bank shall establish principles for measurement and management of counterparty exposure, cf. section 3-5.
(2) The Bank shall have satisfactory routines and systems for selecting and evaluating counterparties. The Bank shall establish upper limits for exposure, minimum requirements for credit rating, and standards for provision of collateral, collateral management and netting arrangements. Overall exposure to counterparties shall be measured using internationally recognised methods.
The Bank shall establish principles for measurement and management of leverage in the investment portfolio, cf. section 3-5. The principles shall cover implicit leverage achieved through the use of derivatives and reinvestment of cash provided as collateral in connection with securities lending or repurchase agreements.
The Bank shall establish guidelines for securities lending and borrowing, and for short selling of securities.
The Bank shall establish guidelines for reinvestment of cash collateral received, cf. section 3-5.
(1) The Bank shall define in more detail what is meant by the term operational risk.
(2) Operational risk factors shall be identified, assessed in terms of probability and impact, monitored and managed.
(1) Before investments are made, the Bank shall approve all the financial instruments that may be used in the management and all markets the Fund may be invested in. For sovereign debt the Executive Board shall approve all issuers.
(2) The Bank’s approval shall depend on whether an instrument contributes to effective execution of the management assignment and whether the Bank can ensure comprehensive management, control and monitoring of all the relevant investment and operational risks.
(3) The approval shall be documented.
(4) The Bank shall establish guidelines that ensure a thorough due diligence review ahead of each individual investment in the unlisted real estate portfolio. The review shall include assessments of the various risk aspects connected to the investment, including market risk, liquidity risk, credit risk, counterparty risk, operational risk, legal, tax and any technical and environmental risk. The review shall be documented.
(1) By 1 December each year, the Bank shall send the Ministry a substantiated proposal for a limit on the costs for the management of the investment portfolio based on estimates of the management costs for the following year.
(2) The Ministry will approve a limit for the management costs as a percentage of the assets under management. The Bank will be reimbursed for actual costs within the approved limit only. Costs in excess of the approved limit will not be covered. The part of external managers’ fees that is based on achieved excess return will be covered beyond the approved limit for management costs.
(3) The total actual costs may be drawn directly from the Ministry’s separate account before the net return is transferred to the krone account, cf. section 1-2, second paragraph. The Bank shall submit its calculation of the total management costs as early as possible, no later than one week prior to the approval of the statement of accounts.
(1) The Executive Board shall establish guidelines and limits for a remuneration system. The remuneration system shall include special provisions for executives, for other employees and employee representatives with assignments of significance for the Bank’s risk exposure and for other employees and employee representatives with corresponding remuneration, and for other employees and employee representatives with control tasks.
(2) The remuneration system shall contribute to the promotion of and create incentives for good management and control of the risks involved in management, counteract excessive risk exposure and help prevent conflicts of interest.
(3) Regulation no. 1467 of 21 December 2011 to the Securities fund Act applies, with necessary adaptations.
(1) There shall be the greatest possible transparency about the management within the limits defined by responsible execution of the management assignment.
(2) The public reporting shall provide a true and comprehensive overview of how the Bank executes the management assignment, including the choices and priorities the Bank makes, the results that are achieved, and how the limits provided in this mandate are utilised.
a) The overriding principles for the choice of strategies, the risk and return characteristics of the strategies, and how the strategies aim to exploit the Fund’s special characteristics and the Bank’s advantages in the investment management.
b) Different investment strategies within the respective management of equities and bonds that can affect market risk and extreme deviation risk in the investment portfolio as a whole, and for the equity and bond portfolios separately.
c) Framework for the management and control of risk.
d) The organisation of the investment management, including use of subsidiaries and external managers.
a) The change in value, results and risk in the investment portfolio as a whole, in the equity, bond and the unlisted real estate portfolios separately, and in the associated benchmark indices.
b) The composition of the excess return for the investment portfolio and within the equity portfolio and the bond portfolio respectively.
c) Utilisation of the limits provided in this mandate.
The quarterly reporting shall also contain extracts from the Bank’s accounts concerning the management of the investment portfolio, adopted in accordance with the current accounting regulations for the Bank.
a) The results of real estate management and the different investment strategies within the management of equities and bonds respectively, including the share of the excess return, utilisation of the limits for tracking error, extreme deviation risk and management costs. Different investment strategies mean investment strategies that are emphasised in the utilisation of the individual limits, such as the limits for tracking error, extreme deviation risk and management costs.
b) The Executive Board's assessment of the results.
c) The relationship between return and risk in the investment portfolio as a whole, in the equity and bond portfolios separately, and in the associated benchmark indices. The Bank shall use several methods and measures to report risk-adjusted return.
d) Revenue from securities lending, internal and external management costs, tax costs and estimated transaction costs for the investment portfolio as a whole and for the equity, bond and the unlisted real estate portfolios expressed as a share of the assets under management.
e) The management of the unlisted real estate portfolio, including an assessment of the performance compared with a broad set of return objectives.
f) Environment-related investments, cf. section 2-4. The account of the environmental investments shall among other things include the scope, strategy, asset type and a description and assessment of how the intentions for these investments are being met.
g) Investments in emerging markets and renewable energy.
h) The work on responsible management, cf. chapter 2, including use of instruments and the effect of the ownership work, and how the principles for responsible management are integrated into the management.
i) Routines and systems for the approval of issuers of sovereign debt, cf. section 4-10 first paragraph second sentence.
(4) In connection with the quarterly and annual reporting, the Bank shall provide an account of decisions pursuant to the Guidelines for observation and exclusion from the GPFG and update the public list of companies that have been excluded or placed under observation pursuant to the guidelines.
(5) The quarterly reporting shall be published no later than one month after the end of the quarter. The annual reporting shall be published no later than three months after the end of the year. The main content of the annual reporting shall be made available in print. Other data may be reported electronically.
(1) Data and methods used in the public reporting shall as far as possible, within the limits defined by responsible execution of the management assignment and statutory duties of confidentiality, be described and published in machine-readable form.
(2) If the calculation methods underlying the reporting of return and risk have changed since the last reporting, an account shall be given of why the methods have changed and information shall be provided on any effects of the changes. In addition, for the next two years pro-forma figures shall be provided in accordance with the previous calculation methods.
The principles, guidelines and limits laid down by the Executive Board as a result of this mandate shall be made public.
(1) The Bank shall communicate its strategic plan for the management of the investment portfolio to the Ministry, cf. section 1-7.
(2) The Bank shall inform the Ministry if the value of the investment portfolio changes significantly and about other significant changes with respect to its management. The Ministry shall be informed without undue delay of incidents that trigger the duty to inform.
(3) The Bank shall provide the Ministry with any information that the Ministry requests, including information to companies or persons that assist the Ministry in evaluating the Bank’s management of the investment portfolio. Data used as a basis for the public reporting, cf. section 6-2, including data the Bank does not publish in accordance with section 6-3, first paragraph, shall be systematised and available for delivery in machine-readable form.
(4) The Bank’s agreements with data suppliers shall ensure the Ministry, including any companies or persons that assist the Ministry in its assessments of the Bank’s management of the investment portfolio, access to data in machine-readable form.
(1) In the event that the limits and constraints defined in sections 3-4 and 3-5 are breached, the Bank shall without undue delay assess how its management can be brought back within the limits in an appropriate and cost-effective manner.
(2) The Ministry shall be informed of any material breaches of the limits in sections 3-4 and 3-5.
(1) The Ministry and the Bank shall meet at least once per quarter. The meetings shall be convened by the Ministry. The Ministry will specify in more detail which data shall be submitted to the Ministry as a basis for its preparations for the quarterly meetings and the format and deadline for submission.
The Ministry may, in case of amendments to this mandate, establish transitional provisions. The Ministry may, in other special circumstances, allow the Bank to deviate from the provisions in this mandate.
(1) Chapter 6 comes into force immediately. The other provisions come into force on 1 January 2011.
(2) Regulation no. 1725 of 22 December 2005 on the management of the Government Pension Fund Global, the guidelines for the management of the Government Pension Fund Global (supplementary provisions pursuant to the Government Pension Fund Act and the regulations on the management of the Government Pension Fund Global), regulation no. 242 of 24 February 2010 on the management of the real estate portfolio in the Government Pension Fund Global and the guidelines of 1 March 2010 for Norges Bank’s work on responsible management and active ownership of the Government Pension Fund Global will be repealed on 1 January 2011. The management agreement of 12 February 2001 and subsequent amendments between the Ministry and the Bank will be terminated from the same date.
(3) The Ministry may issue special transitional provisions.

industry_corpus2: Finance & Economics


text:
According to a new survey, 56% of people believe singe people are more stressed out on Valentine’s Day. The other 44% say people in a couple are more stressed on this most romantic of days.
A total of 22% say they wish they hasn’t gotten so stressed looking for the perfect gift for that special someone in their life, while 14% admit to being sorry they spent so much on Valentine’s Day meal.
The poll also discovered that the average American will spend $123 on Valentine’s Day.
And, we all know that people go for the flashy night out on the town, but maybe we need to start a new trend. That’s because 69% of Americans would choose staying home on Valentine’s Day over going out.

industry_corpus2: Others


text:
Our team has exposure to the workings of international markets, and clearly understand customers with a global perspective.
Equipped with an MBA degree, Suyash comes with over 7 years of experience in marketing, sales, product management training and business processes analysis.
Jain is an Chartered Accountant with top academic scores and experience in customer support. With over 11 years of industry experience, Jain currently manages assets, Talent Engagement and Finance.
Ranju Agarwal has extensive experience in the ITES segment and has worked with both Operations and Business Development in Senior Management capacities. She brings an understanding of the BPO segment that is vital in helping today's businesses continue to remain focused on core competencies.
Ravindra Makhija comes in with over 5 years experience in the engineering and CAD Industry, serving in various capacities such as Business Development head, Customer Support and Profit Center Head for various SBUs.


text:
As a professional manufacturer of crushing equipment, SBM provides different types of gravel jaw crusher for sale, such as PE, PEW and HJ series. These gravel jaw crushers have different specifications and suitable for different production situations.
SBM gravel jaw crusher has many features and advantages. It has large capacity range, which can be adjusted between 2-800 tons per hour according to the requirements of customers. And the energy consumption of the gravel jaw crusher is quite low. Compared with traditional jaw crusher, SBM gravel jaw crusher has better performance because of the optimized motion trail of the movable jaw and the crushing cavity. Besides, the special designed fixed and movable jaw plates adopts high manganese steel with excellent abrasive resistance as material, which effectively extend its service life.
In the above mentioned types of gravel jaw crusher, there are all various different models with different specifications. And as we know, different models have different prices. So generally, SBM experienced engineers will firstly choose suitable model for customer according to the requirements and then quote the best price. So if you are interested in the gravel jaw crusher for sale, feel free to contact us.

industry_corpus2: Manufacturing


text:
Display Presentation OPEN BY APPOINTMENT.
Modern 2013 Plunkett built home has been meticulously finished and offers a relaxing low maintenance home in a child safe location with park land across from the front door. This popular suburb is now benefiting from established amenities such as the Honeywood Primary School, Aubin Grove Primary School, local shops and short drive to Gateway Shopping Centre. Quick access to freeway and Aubin Grove park & ride. Lovely walk ways and natural bushland surrounds.
Portico entry, security door, plus shoppers entry from the garage.
Three bedrooms all with built in robes, main with walk in robes. Quality carpets and window treatments.
Large study which could also be used as another bedroom.
Both bathrooms tiled to ceiling, glass shower screens and bath to children’s bathroom.
Extensive tiling to family, meals dining rooms.
Kitchen features tiled splash backs ,dishwasher, built in oven, gas hot plates, ample cupboards ,pantry, island bench.
Laundry with linen & access to outside.
3.78kw invertor with 14 panels.
Over 213SQM under main roof.
If you would like any further information on this property, the Local area or any Real Estate Matter please call me on 0412 910 259 or 9434 3525 or email me at ian@nextvisionrealestate.com.au.

industry_corpus2: Real Estate & Construction


text:
When you work with a database-driven script application for your website, all content that you or the site users add, will be saved in cells and tables in a database, not as ordinary text in the application files. In contrast, HTML sites are static and all of the content on such a website is part of the actual HTML files. A web store application, for example, pulls all of the prices, items, user reviews, and many others, from its database and this is the same for any kind of script which allows you to build a dynamic website. The more the info you insert, the larger the database gets, so when you employ a script-driven site, you should make sure that your hosting plan includes a sufficient amount of database storage space. The aforementioned applies regardless of what type of databases you are using - for instance MySQL or PostgreSQL.
Some of the cloud hosting that we provide are excellent for hosting websites which require a PostgreSQL database to function as they contain unrestricted database storage space. When you use these packages, you will be able to create and run any kind of PostgreSQL-driven script application and benefit from an effective and dependable web hosting service. We can provide you with unlimited database storage space as we do not manage everything on the same server. Instead, all of the PostgreSQL databases are handled by a different cluster, which is part of our tailor-made cloud website hosting platform, which means that we will always add additional hard disk drives or whole servers to the cluster when needed. With our shared web hosting services, you won't ever have to worry that the growth of your sites is restricted due to the low space for your databases.
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industry_corpus2: Computing & Telecommunications


text:
I was able to write a code which is capable of extract all the MBeans with a given domain and print all the attribute value and attribute names of each and every MBean.
If you want to extract all the MBeans which are registered with the connected Server you can simply pass two null value to the method queryNames method.
I bought an HP 520 Laptop from Sri Lanka which is worth 800USD. And I wanted to install Ubuntu 7.10 on my new machine and I was bit of suspicious whether it supports for all the harware in my machine. After successful installation of Ubuntu 7.10 I was able to review that It supports for Intel Pro wireless device but unfortunately It doesn't support for sound card.So I decide to swich in to Latest Ubuntu release 8.04 which was release before one week and it works fine for my HP 520 Laptop. But honestly I have certain problems with the OS in my machine.
2.After working for three or four hours my machine is becoming quite slow and there's no issue with the memory usage and processor usage. Yesterday night I was working on Idea with opening two Idea windows and slow down happened all of a sudden and I was able to find my swap usage became 100% so it's obvious to slow down my machine.
I'm not sure about the problem this might be a problem with my hardware or may be a problem with the OS.I feel like switching for Debian but I love Ubuntu..

industry_corpus2: Programming


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Microsoft Word is an industry-standard word processing program included in the Microsoft Office suite along with Excel and PowerPoint. It is used for authoring documents for personal and business use.
Word includes basic page and text formatting capabilities, and offers several advanced features, such as mail merge, change tracking, document merging, and macro scripting. Newer versions of Word save documents in the Office Open XML .DOCX format, while earlier versions of the program use the proprietary .DOC format. And, with support for the OpenDocument (.ODT) format, you can now edit all three of standard DOCX files, PDF files, and ODT files. Word also provides support for embedded online pictures and videos, enabling rich content within documents.
The Word user interface streamlines the process of creating new documents from document templates. Once you select a template (or blank document), you have a myriad of ribbon-style toolbars and other options available for authoring and styling documents. Among its multitude of features, Word provides collaborative editing and review tools for teams. The "Track Changes" feature allows users to keep a history of changes, which is useful when multiple users are working on a single document. Also, the commenting and reply system allows teams to have short discussions of document content. Word includes thousands of downloadable online document templates, which serve as a starting point for creating new documents. Templates are available for several types of documents, including business forms, labels, envelopes, menus, newsletters, planners, and home and educational documents. Custom templates (which are saved .DOT and .DOTX files) can also be created for company letterheads and other types of documents that require a consistent look and feel.
If you have ever created a document in school or at work, you most likely have used Microsoft Word. It is an industry standard word processor for creating book reports, academic publications, business documents, recipes, and more. Its support of popular formats and wide usage make Microsoft Word the best choice for all of your word processing needs.


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We’re delighted to announce that 200m2’s modular exhibition stand systems were featured in a recent article for SignLink magazine. Entitled ‘Making a stand’, Brenda Hodgson examined the latest trends in exhibition stand design. Specifically, the article examined the latest developments in modular stands which enable trade show exhibitors to adapt their exhibition presence to virtually any floor space or ceiling height.
As the only foldable modular exhibition system in the world, 200m2’s TRUSSwire or x-20 played a prominent role in the feature. TRUSSwire is extremely lightweight yet strong due to its clever use of composite materials. It is also extremely easy to assemble, requiring no tools, and can be scaled to suit almost any floor space or height.
TRUSSwire was the system of choice for Louis Poulsen, an award winning Danish lighting manufacturer, famous for the very simple, discreet and functional design of its products, which are admired for their unique quality and lasting appeal. The company was looking for a modular exhibition system that would complement the brand’s strong architectural and contemporary heritage.
TRUSSwire was eventually selected as the preferred solution as it supports its own specially designed system for displaying stand graphics. Artwork simply clips into place to make the exhibition stand look very stylish. And with a 20 x 20cm (8 x 8″) profile when extended, TRUSSwire also folds away to be almost completely flat after use, making it very easy to transport and store.
Next Next post: Is it the end for Earls Court?


text: A stunning sterling silver Star Charm necklace, presented on a Christmas message card –with the words "Twinkle Twinkle Little Star" makes the perfect Christmas gift. A unique and exquisite piece of jewellery which will compliment any wardrobe. The star charm – makes a beautiful necklace for a unique friend or loved one and will remind them how unique and special they are to you. The price includes a single star charm on a standard length silver chain, a presentation message card and fabric presentation envelope.


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Let customers easily access brand and product-specific size charts from the Product Page. Customers can click a link or button to see the full chart display in a modal popup, giving them the information they need without making them navigate away from the Product Page.
This customization is highly configurable. You can include a general brand size chart on some Products and a more specific chart on others. It’s easy for the merchant to manage these documents from a single folder in the back end.
Make it easy for customers to access the most important information by displaying size charts .
Showcase the most accurate sizing information for each individual Product. You can show the size chart for an entire brand, or, if you have it, the size chart for that particular Product.
There’s no coding required for you to change and update the size charts on your Products. Simply manage the documents from a single folder in the Merchant Center.


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Play Series Games on GamesXL, free for everybody!
More than 100 free Series Games collected on this page. The newest and coolest Series Games available on GamesXL.
The fun part of series games is the fact that you can play on and on. When you've completed one part, you can play with the same characters in another part. You can play for example the adventure series SteppenWolf and Arcane. Get in the dark world of Arcane or the jungle of SteppenWolf and go on an big adventure. Play as many parts from the series as possible.

industry_corpus2: Gaming


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Today I want to share my experience whitening my teeth at home with Smile Brilliant.
First of all let me give you a little background about my teeth, so you can have a better view of this, because I can assure you, mine are a special case.
· I have 2 fillers because my teeth broke more than once, just eating an apple or candy!
· I have tried whitening strips, but they are too abrasive for me and laser is a no brainer, definitely no-no.
That being said, when Smile Brilliant contacted me I was hesitant; first because I know it would be a ‘before’ teeth photo (haha silly I know) but seriously because my teeth are too sensitive and I did not wanted to hurt them with another useless attempt.
· You receive 3 kits of catalyst + base paste to make your impressions (a third in case you mess it up!) with very clear instructions to do it.
I am really surprised on how Smile Brilliant kit actually worked for whitening my sensitive teeth, this kit provides very clear instructions so there is no way of do the wrong thing.
I did the treatment for 3 weeks however I started to see a difference since the first days; I started with 30 minutes, then 1 hour but if you do not experience sensitivity as I usually do you could use it until 3 hours and you get better results!!
One thing I’m sure, I will continue using it!
or you can use my code a_colorful_style for a 15%off!!
Be sure to participate! It will end next Friday October 12th! Good Luck!

industry_corpus2: Health & Medicine


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Bumped this post as the Senate Republicans are expected to take up this ugly, anti-immigrant bill, sponsored by David Vitter, as early as Tuesday, October 21.
Senate Republicans are planning a vote on a controversial immigration bill later this month punishing so-called sanctuary cities that give safe harbor to immigrants here illegally — months after authorities say an undocumented immigrant shot and killed a young woman on a San Francisco pier.
The legislation from Sen. David Vitter (R-La.) would target sanctuary cities — localities where local law enforcement officials decline to cooperate with federal immigration authorities — by withholding key federal grants and increasing prison sentences for those who try to re-enter the United States after being deported.
Yes, the Trump Effect is alive and well in the U.S. Senate.
We just see the name “David Vitter” and know it can’t be good. He’s in a tough race for Governor of Louisiana this fall, so his anti-immigrant fervor is in overdrive.
According to Senate aides, Lee and Flake were working on a deal on sanctuary cities legislation that would have applied the mandatory minimum to a smaller population of immigrants. But Cruz and Sen. Jeff Sessions (R-Ala.), both hardliners on immigration, would not agree.
Because it looked unlikely that a bill could pass the Judiciary Committee, some GOP senators privately urged Senate Majority Leader Mitch McConnell (R-Ky.) to bypass the panel and bring a sanctuary cities bill straight to the Senate floor. McConnell got the process going on that earlier Wednesday.
Republican backers of the new bill include Grassley, Cruz, Cornyn, and Sens. Pat Toomey of Pennsylvania, Ron Johnson of Wisconsin, Dan Sullivan of Alaska, David Perdue and Johnny Isakson of Georgia, John Barrasso of Wyoming and Marco Rubio of Florida.
Rubio, now vying for the Republican presidential nomination, was an author of the comprehensive immigration reform bill that passed the Senate in 2013 but was never taken up by the House. He has since distanced himself from that effort. Rubio has come under pressure recently from the conservative news outlet Breitbart for not yet sponsoring legislation to crack down on illegal immigration and sanctuary cities.
Rubio is really trying so hard to run from his own record that he’s run right into the arms of the worst anti-immigrant voices in the Senate – and doing the work of Donald Trump.

industry_corpus2: Politics & Administration


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The Rogue River–Siskiyou National Forest was originally two separate forest units covering parts of Oregon and California. They were combined into one unit in 2004. The Rogue River is a US Wild and Scenic River, also managed by the US Forest Service.
We stopped at the Natural Bridge Interpretive Trail on our way from Crater Lake to Grants Pass. There are restrooms in the parking lot and it’s just off the main road.
A short trail leads to a raging section of the Rogue River, which shoots through some lava tubes and comes out the other end as a waterfall…a natural wonder.
We were exhausted from a full day of hiking and exploring in Crater Lake National Park, so this was an excellent place to stop on our approximately 2-hour drive back to our hotel.
It was an easy 1/4 mile walk to the natural land bridge from the parking lot with a level, wide path, benches and interpretive displays along the way. It was just enough for us to stretch our legs, take some photos and move on to the next stop.
For those interested in a more in-depth exploration of the area, the interpretive trail does connect to the Rogue Gorge Trail and Upper Rogue River Trail.
For this special Wednesday segment, I spoke with Sue Densmore, executive director of the Friends of the Oregon Caves and Chateau. To see my previous posts on this park, please click Oregon Caves/Cave Tour and Chateau/Nature Trail.
As mentioned in my previous posts, we’d really enjoyed our visit to this off-the-beaten-path gem of the National Park Service and hope to someday return for a peaceful stay in the lodge. I know that most of my readers are supporters of the NPS and its mission to preserve our nation’s natural wonders and historic legacy. I hope that you will find this information to be of interest.
As the NPS begins a much-needed overhaul of the 83-year-old Chateau, the federal funds allotted will only provide for functional improvements which have been deferred for 15 years. The Friends group is trying to raise additional funds to allow for the historic restoration work to be done during the same closure and avoid closing down the lodge for two seasons in a row. The Chateau closed on September 30th, 2018 and will not re-open until the renovation is complete.
The Friends of the Oregon Caves and Chateau, a non-profit organization formed in cooperation with the National Park Service began the Chateau Restoration Campaign in 2012. The Chateau made the Restore Oregon’s Most Endangered Places list in 2016 and 2017 due to the long delay in obtaining federal funding for repairs.
“We are struggling with saving the Historic items today. We have one month with this concession – so they are clearing out the inventory (refers to the vintage 1930s counter and bar stools in the Caves Cafè.) So we are focused on that – needing to quickly raise a lot of money.
To donate to Friends of the Oregon Caves and Chateau please click here. Donations are processed through the Network for Good and are tax-deductible to the extent permitted by law.
Built in 1934, the Chateau has six stories, four of which have ground level entrances because of the steep hill it is built into. A stream was diverted to run through the main dining room and the building houses the largest collection of original Monterey furniture in the world. It became a National Historic Landmark in 1987.

industry_corpus2: Travel & Geography


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Live in the greater San Francisco area, and it’s hard to dodge the technology bullet—we all work, live and play on the fringe of the world’s tech capital.
Even though the Bay Area has become synonymous with Silicon Valley, it’s important to remember that this charming area has rich, vibrant roots characterized by arts and culture, cable cars, picturesque views and some of California’s best vineyards.
It’s these features (and the weather!) that make the Bay Area a fantastic place to live, tech elite notwithstanding. If you like to unplug and unwind tech people-free, the Bay Area has a spot for you. Check out these not-so-techie towns.
Nestled on the eastern slopes of Mount Tamalpais 12 miles north of San Francisco, house hunters will find an aesthetically stunning community saturated with natural beauty. From Cascade Falls Park and Muir Woods National Monument to Mount Tamalpais and the Tennessee Valley, nature-lovers will never run out of things to see and do in Mill Valley.
The artistically inclined delight in Mill Valley, as well—and it easy to see why with one look at the town’s lush landscape. Art galleries galore, and tourists flock to Mill Valley from around the world to check out its famous Dipsea Race, The Mountain Play and Mill Valley Film Festival.
With fantastic weather year-round, thousands of acres of pristine parks and preserved space and a community bursting with wine festivals, beer crawls and family-fun events, it’s safe to say the Pleasanton lives up to its name. And we’re not the only ones who think so—Livability named it one of the Top 10 Places to Visit in the US.
Pleasanton is home to plenty of non-tech employers, including Safeway, Ellie Mae and Workday. Plus, a tidy median home price of $879,800, a historic downtown filled with ice cream shops and locally owned boutiques and some of the highest rated schools in Alameda County make Pleasanton a safe haven for non-techies everywhere.
That said, people are increasingly commuting from Pleasanton to Silicon Valley — but it’s certainly not droves like other areas. It’s a great option if you or your spouse commute to San Jose or the surrounding areas, or other to San Francisco.
Formerly named the City of Ocean View, it’s no wonder that Albany’s serene location on the eastern shore of the San Francisco Bay directly north of Berkeley is one of its best attributes. Factor in Albany’s population of 18,000, the top-rated Albany Unified School District and a fast-paced urban feel, and it’s easy to see Albany is a rare gem in the Bay Area. No wonder Niche’s named it the #3 Best Suburb to Live in California.
Ross puts the small in small town living in the best possible way. Nestled directly north of San Francisco and boasting a whopping population of 2,000, Ross is the type of community where everyone knows each other and says “Hello” around town, including at the post office where all residents pick up their mail.
A median home value of $2.7 million makes Ross one of the Bay Area’s more expensive suburbs, but residents are happy to pay it in exchange for a posh lifestyle amidst bountiful gardens, babbling brooks and rolling hills. Another perk? The schools. Ross Elementary School ranks #1 in Marin County.
A city surrounded by the city of Oakland within Alameda County, Piedmont is a residential suburb with an urban ambiance and all the benefits of city living, outdoor coffee shops, award-winning restaurants and green spaces included. Piedmont, which hails from the Italian word for “foothill,” is filled with rolling hills dotted with single-family homes (with an average value of $2.3 million), stunning mansions and large lots. Future residents looking for a peaceful way of life with scenic views but, still, close to the action of Oakland and San Francisco will feel right at home in this delightful city.
If you’re seeking some peace and quiet away from the tech mecca that’s Silicon Valley but still with a community feel, it doesn’t get much better than Burlingame. Dubbed the City of Trees for its ample eucalyptus groves, Burlingame is situated on the San Francisco Peninsula and features a lot of shoreline—perfect for birdwatching, fishing, boating, sunbathing, jogging and taking in the great outdoors.
On weekends, many families spend time exploring its walkable downtown and numerous boutiques. In addition to top-rated schools, Burlingame is home to many reputable employers, including many biotech and candy companies. See’s Candies, Aida Opera Candies, Guittard Chocolate, Corvus Pharmaceuticals and Igenica Biotherapeutics are just a few of the employers found here.
If you love traversing scenic trails but enjoy a modern way of life, Lafayette could be the home you’ve been looking for. This Contra Costa County has a median home value of $1.6 million—on par for the area—along with good public schools, great youth sports programs, restaurants and an easy commute into San Francisco and the rest of the region via the city’s Bart Station. Rush hour traffic can be frustrating, but it’s an easy sacrifice to make when you consider Lafayette’s high quality of living and tranquil natural areas.
Orinda, the second-friendliest town in the US according to Forbes, flanks Berkeley western border and is a favorite among intellectuals and outdoor enthusiasts drawn to the community’s oak tree-lined hills, preserved green spaces and rustic character.
Surrounded by four land grants, Orinda has always been renowned for its beautiful landscape, but in recent years has also garnered recognition for a thriving arts sector. Film festivals, the California Shakespeare Theater and the Orinda Theatre are among its main attractions. The town also has strong kids sports programs, another major perk for city families.
Prospective buyers looking for a relaxed vibe with the benefits of city living won’t be disappointed in family-friendly Orinda, especially with a median home value of $1.6 million—the norm for the area.
Ranked the #4 best place to raise a family in San Mateo County, Hillsborough is one of the most desirable communities around—it’s also one of the most expensive, with a median home value around $4.5 million. Price tag aside, it’s clear to see why residents flock to Hillsborough, especially those who seek luxurious homes, expansive private lots and A+ schools.
Also impressive? Hillsborough doesn’t have a single commercial property! The town of 11,000 inhabitants is exclusively zoned for residential development, resulting in quiet streets and a neighborly feel that’s rare in the bustling Bay Area. Thirty miles northwest of Silicon Valley and minutes from San Francisco, Hillsborough lets non-techies have their cake and eat it, too.


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I was lucky enough to get along to Lorna’s opening at DCA last weekend, and had a tip top lunch with some long term favs to boot – thank you Lorna, Val and all at DCA. Pieces of You Are Here is delicate, detailed and full of beautiful surprises. An emotional thing for me – which I should have realised, as I was a little bit teary at the poster. Jeez. Go Macintyre and family!
NEWS FLASH – Lorna get’s a smashing review here.
The catalogue, designed by Val Norris, is the perfect accompaniment. And she builds a mean nest too.
‘Scottish artist Lorna Macintyre uses a broad spectrum of influential touchstones in her work, from poetry and literature to archaeology and symbolism. These references often create an oblique structure underlying her photographic and sculptural artworks, lending a form for a composition or providing the impetus behind her choice of materials. This exhibition will mark Macintyre’s first solo exhibition in a major UK institution, debuting a new body of work commissioned for Gallery 2 at DCA.
‘Might it be possible for film to transcribe something as ephemeral as human warmth? Human affection? Human presence, trust and submission? What about love? Can film bear witness to love? Teach us about love? Express love? How can a lens invoke these very personal, subjective experiences? These are some of the questions posed by Margaret Salmon in her newly commissioned work for Gallery 1 at DCA.
Always a risk to go see telly, live, but The League of Gentlemen was pretty perfect.
Review of show on The Guardian here.
when lab coats were a daily staple.

industry_corpus2: Film & Entertainment


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Our BBB A+ Yuma Tax Experts will hear your story, and show you exactly where you stand, and what to do next. That info is free for you to do whatever you would like with, including Do-It-Yourself, or go with another company.
So whether you live in Arizona, or anywhere else across this beautiful country that we call home, our Yuma tax law firm can help you. We have offices covering the whole nation, and give honest advice based on that, and experts standing by to hear your story. The first call can help you know where you stand, and what you must do next, and is completely free of charge.
While other companies have come and gone, ours has survived the test of time, and continues to this day to assist folks all across the country get relief. While other companies were getting shut down for unethical business practices by Congress, ours continued to truly have a BBB A+ standing, and was really giving back to the people that made this nation great.
We also provide a no questions asked, full 30 day money back guarantee. For any reason that you’re dissatisfied with the work we have done, we will give you a complete refund of your deposit, and honest apology for wasting your time. But understand that we will work our tails off to earn your satisfaction before that would happen.
Negotiating in your own with the Internal Revenue Service can leave you in a worse position than before, so let our Yuma team help.
How Can I Negotiate with the IRS about my tax debt?
When you have built up a substantial tax debt to the Internal Revenue Service, and live in Yuma, odds are that you will be able to negociate a certain portion of your debt spread out the process in which you are going to pay for it, and to be forgiven.
But this is generally not as easy as it seems, as you will be fighting against the largest collection agency on the planet, who puts aside billions of dollars and thousands of workers to go after citizens like you, to make sure that they get the money they are owed.
How Should I Start Negotiating?
One of many basics of negotiating a tax settlement with the IRS, is to have some sort of negotiating edge. For lots of people, the risk of non-repayment of their debts may be utilized as a bargaining chip against the Internal Revenue Service. It is each IRS employee’s job to try to regain as much of your tax debt as possible, so they’re going to usually require that deal if they are able to get a portion of it, instead of not getting any of it.
But coping with this individual revenue officers may be very difficult, and should you not know what you are doing, you can frequently end up in a worse place than you were before.
To place yourself a bunch of frustrations, money and time, you need to simply let our Yuma tax attorneys managed for you in dialogues. It is something that we do day in and day out for clients, and may get excellent results predicated on our experience and contacts within the Internal Revenue Service.
How Can I Get the Best Deal in Negotiations?
You must know which buttons are the best ones to shove, to receive the best deal in your tax resolution negotiations with the Internal Revenue Service. Like we mentioned previously, the hazard of non payment is normally a great way to help you to get a lower rate for sum on what you’ll reimburse. Things enjoy the other fiscal conditions, life situations, and also financial hardship can frequently assist in reducing your monthly payments in an installment agreement, as well as the total amount you owe complete.
But again, the best method to go about negotiating with all the IRS would be to let our Arizona law firm manage it for you.
Let Our Yuma Business Help You Instantly Become Compliant with the IRS, and File Any Back Tax Returns You Have Outside.
Have you neglected to file your IRS tax returns for a number of years? Has the IRS started to come after you for the money you owe? If you would prefer to eventually locate fiscal independence from your tax problems, you need to give our Yuma tax law firm a call right away.
When left un filed, back tax returns can result in a large amount of fees and interest charges on the amount that you ought to ‘ve been paying. The IRS will file replacement tax returns for you, but not claim any deductions like mortgage interest, dependents or anything else I’m able ot see you cash on the money you owe.
One of the significant problems that most individuals with back tax returns have, is they are not totally compliant with the Internal Revenue Service, so cannot negotiate a better resolution until all their previous returns are filed, and they’re back to a position that is compliant.
The easiest way to file your back tax returns all would be to let our crew of experts go through and do them for you. We have claimed the right deductions will double check over everything to make sure you ha filled in the correct information, and certainly will be required to pay the least number possible. We can have you back within compliance in a matter of days or weeks, instead of months or years like most accounting firms, and have registered CPAs on staff.
Merely by filing a few years of your back tax returns, you can significantly reduce interest costs and the penalties which you have had built up on the amount you already owe.
Let our Yuma team ultimately help you be free.
Repaying you tax debt over time with an Installment Agreement is the very best way to slowly get back to financial independence.
For most of US, this really is impossible, as they do not have tens of thousands dollars extra just sitting around.
This is why the IRS introduced what’s referred to as an installment arrangement, which is simply an agreement you enter into with them, that’ll enable you to pay back the sum you owe over time, instead of one big payment, in smaller monthly premiums.
Will I Be Able to Qualify for an Installment agreement?
Since it’ll increase the prepayment rate it will get on the back taxes which people owe, the Internal Revenue Service is usually quite accepting of most people to get into an installment arrangement. For most of US, qualifying for an installment arrangement is a reasonably easy action to do.
But before you use for one and go out, so you’ll be able to get the very best rate and payment amount possible, you’ll need to know what advice that it’ll be asking for, in the easiest way to present that information. Our Yuma team negotiates multiple installment arrangements each and every day, so we know the very best ways of getting our customers the results they need, in a payment they could afford.
Let our Arizona specialists manage negotiating your payment agreement for you, because of our working relationship with IRS contacts, because often times we’re able to get twice as good of deal as taxpayers generally would.
Negociate an installment agreement can be a little tricky for most people, as the IRS is usually not on your side, and is only worried about getting the money they’re owed. This means they will frequently try and visit large payments that you can’t manage, which can leave you strapped for cash, and fighting to get by each month.
Our Yuma specialists can ensure that you are not more, and a paying the sum that you ought to be paying based on your own present life situation.
The exact amount you will need to pay every single month with the panda number of factors, including the entire amount that you just owe, your own monthly income and expenses, and how well you can negotiate together with the IRS. For most of US living in Yuma, this will be around a few hundred dollars per month, until your tax debt is paid. But depending on your individual situation, this can be more or less.
Just a quick 15 along with a phone consultation tell you just the thing you must know about a potential installment arrangement between the IRS and also you.
Immediately removing bank levies is something our Yuma team does and can get yours removed too.
The IRS may choose to issue a bank levy on your checking account, savings or brokerage accounts in case your tax debt has been built up to a high enough of amount. This really is essentially when the IRS gives out a legal seizure of your assets, as well as your bank is required to send them a specific percentage of the cash which you have saved with them.
Following the IRS issues a bank levy, in your assets will freeze for 21 days, and after that your funds will be sent straight to the Internal Revenue Service, when you would not manage to get them back.
Basically, it is of legal form theft, where the government steals from its own people for tax cash owed.
Luckily for you, most bank levies can be taken away immediately, depending on your own individual tax situation.
That way, send to the government, and then you’ll have access to all your accounts and also the cash kept within those, instead of having them locked up.
For many people, the best method to discontinue an IRS Bank Levy is to utilize a team of experts that have extensive expertise in coping with these types of problems. Our Yuma team is well-versed in quickly removing bank levies from your account, so you have complete access to get hard earned cash you have and can proceed with your life.
Give our Yuma tax law business a call right away to see what we can do to help you.
Our Yuma team can finally put an end to the notices and letters from the IRS, and take the revenue officers off of your back.
Has the IRS been sending threatening letters or notices to your house or business recently? Most of the time these letters and notices are very complex to read and hard to comprehend for many folks.
They often include legalistic information in your current tax problem, phrased in a way you cannot comprehend, with the intention of warning you about forthcoming activities they are going to take on personal life or your account.
The best thing you could do is take actions now to prevent these letters and notices from coming in the future.
What Should I Do About IRS Letters and Notices Showing Up?
The finest from showing up at your house or work that you can do to stop these letters and notices would be to get a hold of a seasoned [say] tax law firm, who understands what to do about them, and precisely what these letters mean.
Our Arizona firm handles hundred of these layers weekly for clients and deciphers, and understands just what each among them means in terms of what our clients next action needs to be.
How serious are these IRS Letters and Notices?
These IRS letters and notices are intended to be very serious to the taxpayer, and generally represents a possible actions that the Internal Revenue Service is going to take against you. Even though they are difficult to comprehend, they mean business, and may sometimes mean the IRS is going to confiscate the ownership of your home or automobile as a means of getting you to pay off the amount you owe.
These officers are employed specifically to harass you into repaying the amount that you simply owe. Until you really repay the entire amount in back tax debt for many people, they will not stop seeking out you.
So if you’re having issues using a revenue officer showing up at your house or company, and only want to be free of them for good, give our Yuma specialists a call immediately to learn what your options are.
Welcome to Arizona SH Tax Law Firm!
For too long has the IRS been bullying people around to get the money they are owed. They are the biggest collection agency on the planet with billions of dollars in backing and thousands of revenue officials to attempt to collect cash from you. You should not have to face them.
Here at SH Tax Law Firm, we are experienced in fighting with the IRS for your benefit. With a team of highly trained and experienced tax attorneys, consultants, CPAs and other staff, we understand the most effective methods for negotiating together with the Internal Revenue Service to get the sort of results that you just need, and have hundreds of years in combined experience.
With a BBB A rating since the day we were founded, and thousands of satisfied clients all across the nation, we’re here to be sure you get tax resolution and the outcome that you need.
A quick 15 minutes on the phone with one of our pros can inform you what you need to do next to get relief, and precisely where you stand.

industry_corpus2: Law & Justice


text: Lost in another dimension, the Power Rangers must face a team unlike any they’ve ever encountered! In a world teeming with god-like heroes and villains as monstrous as Lord Zedd, it will take more than superpowers to survive. Can the Power Rangers work with the Justice League to find a way back home? Co-published with BOOM! Studios.


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Our school is focused on increasing student achievement and wellbeing through our annual School Improvement Plan.
Each year our School Improvement Team, which consists of teachers, support staff and administrators, comes together to review the previous year's School Improvement Plan, the Board Improvement Plan as well as other sources of student success data such as EQAO testing scores and report card data. Through this process we develop our annual School Improvement Plan.
Our School Improvement Plan sets new achievement targets and initiatives and is the roadmap for growth and improvement that is unique to our school community. Our School Improvement Team will revisit our School Improvement Plan many times throughout the school year to ensure that we are meeting our goals.

industry_corpus2: Subject Education


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HARRISBURG, Pa. -- The Pennsylvania Auditor General's Office announced it is releasing more than $55 million in funding to thousands of volunteer fire departments.
Officials say the money will be distributed based on population and the number of volunteer fire departments.
Excluding Philadelphia, all of the state's remaining 66 counties will receive money. That includes at least $57,000 to every county in northeastern and central Pennsylvania. Luzerne County will receive the largest amount: $1.1 million.
Volunteers at the Lake Silkworth Fire Department are dispatched at all hours of the day all over Luzerne County's Back Mountain.
The department has about a dozen volunteers, and those volunteer firefighters usually have to do year-round fundraising. But now, they're getting some help from the state.
"Trying to make money is a blessing. If we get money for free, it's a blessing. Any money helps," said Chief Jerry Walker, Lake Silkworth Volunteer Fire Department.
This money is coming at a time when fewer people are volunteering, and the cost of running a department is going up.
"There's a lot of training involved, and each class costs money. It costs money per class, and it's time and money. Not a lot of people have time to do that," Walker added.
The state is giving Lehman Township volunteer fire departments $20,000 to be split between Idetown and Lake Silkworth. Both departments often work together when battling big blazes. The money will go towards gear and training.
In total, volunteer fire departments in northeastern and central Pennsylvania are getting $7.9 million from the state.
"We might get some new members. We might get some new volunteers," said Walker.
The auditor general says this money is coming from a tax on fire insurance premiums.
Wood Dog is correct. This annual distribution of funds from the state is nothing new, it’s been in the works for ages. The state sends a team of auditors in every few years to balance the books on expenditures- and they are VERY thorough and miss nothing. And – it’s all a matter of public record. You can look the audit results up on-line. There’s no denying there are a few bad apples-and they eventually get caught-they always do. Your taxes will go up several mils to have a paid fire department.
And how much of this money will stolen by the members? We’ll find out eventually I’m sure.
A few and I mean few give the volunteer fire services a bad name. Dont let the bad news disrupt from this small amount of money given to the volunteers. There is worse corruption in other organizations than that. It’s what the news likes to report that only gets to the general public. If the news started running stories on how much more taxes will go up switching to a state wide fire protection system, and the billions it would cost people would start to open theirs eyes and help (with fundraisers and volunteering). When your house Is on fire (or vehicle accident) and you or your loved one is trapped, are you going to tell 911, “dont send me “xyz” station because they had a member steal money “?
This money is highly audited to the penny and any corrupt persons not using it properly are held up in court to the highest extent.
I live in a van down by the river. If I smell smoke I’m go in to push ol’ 78 in the drink!

industry_corpus2: Safety Management


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The Lloyd’s market’s pre-tax loss of $2.8 billion in 2017 was partly due to hurricanes and wildfires in the third and fourth quarters. But these losses were exacerbated by the continued deterioration in its attritional or non-catastrophe losses, brought about primarily by price deterioration in a competitive marketplace.
The market reported $6.4 billion in major claims in 2017, more than double both the level of 2016 and the long-term average, Parry said, noting that last year’s catastrophe claims added 18.5 percent to the combined ratio.
Overall, the Lloyd’s market paid out $25.9 billion in all claims (gross of reinsurance) during 2017, according to the Lloyd’s annual report.
“The Lloyds market has met these substantial commitments without any significant impact on total resources, which remain strong at [$39 billion],” said the report.
The market’s attritional loss ratio was 58.9 percent in 2017 compared to 53.3 percent in 2016. Even without the major claims of 2017, the combined ratio would top 100, “so remedial action needs to be taken,” he added.
One important remedial action is, of course, to assure that premium prices cover the cost of risk.
The good news is that the market saw an average increase in pricing of about 2 percent during the fourth quarter of 2017 and, during the January 2018 renewals, an average increase of 3 percent, he affirmed. For the full year, however, premium prices declined by just under 2 percent.
The question is whether such upward pricing momentum will be maintained through the next important renewal dates of April 1, June 1 and July 1, he continued.
After the third-quarter losses, he said, the market “responded on a business-as-usual basis” and injected $4.2 billion in new capital on Dec. 1, partly as a result of the storms but also to be able to pursue additional business opportunities.
Parry estimated that approximately $2.8 billion of that amount was in response to the storm losses, with the remainder providing the capital for new opportunities.
As a result of this recapitalization exercise, Parry said, capital and resources are at the same level now as they were prior to Hurricanes Harvey, Irma and Maria.
“Lloyd’s operates a full distribution model, so if [a syndicate is] in surplus, we release excess capital. When there are losses, you’re required to inject capital or scale back your business to match the capital you have,” he said.
Syndicates that write U.S. windstorm carry capital for that exposure, he said, noting that losses were spread well across the market.
Further good news for the market came with its release of prior-year reserves of approximately $989.4 million, which reduced the combined ratio by 2.9 percent, he said.
During 2017, Lloyd’s reported an investment return of 2.7 percent compared to 2.2 percent in 2016.
Gross written premiums during the year were $47.5 billion compared to $42.3 billion in 2016. Parry noted that about half of the increase in gross written premiums was attributable to movements of foreign exchange.
*A version of this story appeared previously in our sister publication Insurance Journal.
May’s ‘Ring of Fire’ Storms Will Produce $2.5B in Insurance Claims: Karen Clark & Co.


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Flash (1959 Series) is published by DC Comics. Type: Comic. Issues Published: #105-350 (1959-1985); Numbering continued from "Flash Comics".
Year: 1962 Cover Price: $0.12. Publisher: DC Comics.Type: Comic.
Comments/Stories: The Reign of the Super-Gorilla! (Flash); The Mystery of the Troubled Boy! (Kid Flash).
Comments/Stories: Double Danger on Earth! (Flash, Justice Society of America - Wonder Woman, The Atom, Hawkman, Green Lantern, Black Canary, Dr. Mid-Nite appear).
Comments/Stories: Perilous Pursuit of the Trickster; Puzzle of the Phantom Plunderers.
Comments/Stories: Flash's Sensational Risk; Robberies by Magic.
Comments/Stories: The Real Origin of the Flash! (Flash); The Hypnotic Super-Speedster (Kid Flash).
Comments/Stories: One of Our Green Lanterns is Missing *Green Lantern appearance).
Comments/Stories: Grodd Puts The Squeeze on the Flash; The Machine-Made Robbery.
Year: 1968 Cover Price: $0.25. Publisher: DC Comics.Type: Comic.
Comments/Stories: 80 Page Giant G-46; Land of the Golden Giants (Reprinted from Flash #120); Double Danger on Earth! (Reprinted from Flash #129); Captives of the Cosmic Ray! (Reprinted from Flash #131).
Comments/Stories: The Thief Who Stole All the Money In Central City; Flash's Super-Speed Phobia.
Comments/Stories: The Flash's Dead Ringer.
Comments/Stories: Executioner of Central City!.
Comments/Stories: Last 12 cent issue; Death Touch of the Blue Ghost.
Comments/Stories: First 15 cent issue; Super-Speed Agent of the Flash; Ten Years to Live--One Second to Die!.
Comments/Stories: The Day Flash Failed.
Comments/Stories: The Bride Cast Two Shadows (Flash); The Man Who Televised Time! (Reprinted from Strange Adventures #13).
Year: 1970 Cover Price: $0.25. Publisher: DC Comics.Type: Comic.
Comments/Stories: 80 pg giant G-70; Mightiest Punch of All Time (Reprinted from Flash #153); Speed of Doom (Reprinted from Flash #108); The Origin of the Flash's Masked Identity! (Reprinted from Flash #128); Mirror Master's Invincible Bodyguards (Reprinted from Flash #136).
Comments/Stories: Flash?--Death Calling; The Explosive Heart of America.
Comments/Stories: The Satan Circle (Flash); The Accusation (Kid Flash).
Comments/Stories: The Great Secret Identity Expose (Flash); The Mind-Trap (Kid Flash).
Comments/Stories: 24 Hours of Immortality (Flash); Showdown in Elongated Town (Elongated Man).
Comments/Stories: Last 15 cent issue; Evil Sound of Music (Flash); Phantom of the Cafeteria (Kid FLash).


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Faculty: JAIME S. DE VERA JR.
The main focus of the course is to provide essential information and skills on Scientific Research/Writing as a support to Science in answering questions, acquiring new concepts and expanding the frontiers of knowledge.
The study of this subject is accompanied by a companion website (www.valscisciencedepartment.weebly.com) constructed and prepared for the students, basically for uploading lecture notes, submission of research outputs and students’ on-line activities.
ü Understand the step-by-step procedure in conducting experimental research and scientific writing.
ü Appreciate the importance of research as a key foundation in acquiring new concepts and methods of providing answers to various questions and problems of the community.
ü Present a Research Project that is feasible, applicable, valid, reliable and usable to the school and community.
4.1 What is a Research Design?
8.1 What is a hypothesis?
9.1 What is Scientific Writing?
Ø Helen E. Caintic, Ph.D. and Juanita M. Cruz, Ph.D. Scientific Research Manual. C&E Publishing Incorporation. 2008.
Ø Geoffrey Marczyk, David De Matteo, and David Festinger. Essentials of Research Design and Methodology. John Wiley and Sons, Inc. 2005.
Ø Laurie Rozakis, Ph. D. Quick Guide to Writing Research Papers. McGraw-Hill Companies. 1999.
Ø Kathryn L. Schwartz. Step-by-Step Research and Writing. Internet Public Library. 1997.


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This shouldn’t come as any surprise; the construction industry contributed $779 billion USD to GDP in the second quarter of 2016, which increased to $784bn USD in the third quarter. What we can read from these figures, is that construction contributes so much to the economy, and brings in so much revenue, that it becomes increasingly difficult to fix something that doesn’t appear to be broken.
Industries such as construction depend on cheap crude oils to use in their machines to implement production or manufacture. Within the UK, 50% of all carbon emissions are accounted for by machinery and production methods.
The industry is beginning to change its attitudes towards how construction processes are implemented, and is now recognizing the problems with pollution. The market is using recyclable methods in the same way as leading car manufacturers and the fashion industry, by making sure waste is kept to a minimum. As well as this, the UK government is beginning to implement more legislation that stipulates construction firms should include green initiatives such as including energy-efficient technology.
As well as this, the US last year saw estimated revenue in eco-friendly construction rise to $245 billion, and although this is a smaller proportion of the overall amount construction is contributing to US GDP, it still suggests that there is hope for the construction industry, and specifically how it can become more economically efficient, while still being competitive within global rather than domestic markets.
Three things are considered during the design and implementation stages when building a proposed structure if it is to be ecologically beneficial. Ordered into three categories, these considerations can be evaluated within the pre-build phase, during the build, and the post-build phase.
Before you start the build, consider whether or not the materials have been locally sourced, or are they renewed materials from a previous job? Furthermore, could these materials be recycled in the future? Furthermore, where could they be used in future construction developments, and is this a cost-effective and practical idea if they were going to be used in the future? If you’re able to establish one of these three things before the build stage, then the structure is going to be contributing towards an environmentally-friendly design that will benefit green infrastructures in the long term; this will also benefit domestic economies, as manufacturers don’t need to outsource new materials at a cost, as they can recycle old ones.
Secondly, is energy being used to build the structure being wasted during its construction? Machines can be overused and overworked, which leads to energy being wasted rather than being used efficiently. Hybrid motor technologies, such as Nifty Lift cherry pickers, ensure all energy is used to complete the job, with the environment in mind. As well as efficiency, this covers cost; if machines are running unnecessarily during down time, this incurs a greater fuel cost within the overall construction process. If the ‘electric only’ option is turned on, then 0% emissions are produced, which can also run alongside the diesel engine if needs be when loads are particularly heavy or the job requires more power.
Once the design has been implemented and construction is finished, is energy being wasted within the structure itself?
Rather than using new insulation, recycled paper can be used as insulation. Functioning as a cheaper and practical alternative to the production of new insulation materials specifically for individual roofs, there is no added costs, and there is no need to order vast quantities of insulation on a big job, which would result in a significant cost.
In addition to this, any timber that is used should always be sourced locally where possible from sustainably managed forests, or reclaimed wood can be used instead. Not only does this ensure that construction processes are greener, it also ensures that our natural landscapes remain as they should be, and are not damaged by man-made processes.
Solar Energy. Used for either generating electricity within a building, or to power a boiler and generate hot water within a domestic property, solar energy is a natural way of gaining a quality source of energy. Large corporations have also incorporated solar energy designs into manufacturing plants, which means that a proportion of their total energy consumption is produced by natural processes as opposed to greenhouse gasses.
Water filtration and drainage systems. These systems are designed so that water within a building is consistently reused; as well as this, biological waste is recycled and treated safely. Drains can also be designed so that they lead to green spaces, ensuring that no water that is collected is wasted. Rainwater can be collected for plants; therefore, water doesn’t need to be wastefully used from a tap.
Low-energy lighting. Accounting for a 100% energy saving, low-energy lighting can last twice as long as regular bulbs.
Accounting for 80% of a building’s total running costs over the course of its lifetime, operation and maintenance costs account for a vast proportion of costs overall. When it comes to water and energy, operating costs can be diminished by a third when using green energy initiatives. This saving shouldn’t be ignored, as this may be the difference between a business breaking even and producing a net-profit.
To minimise artificial lighting costs, once a building has been constructed, daylight can be used within the design; this is a good thing because vitamin D from sunlight can help improve the ‘indoor environment quality’ for workers or inhabitants using that building, as the health benefits are increased for those using it.
Green building manufacturers can also benefit the environment by using recyclable and long-lasting materials during the construction process; what this means, is that fewer materials are needed within the designed structure – and this results in a cost saving and less energy being used, in the form of diesel fuels being expended within the construction process. As well as this, if the proposed structure is being used for a domestic or commercial purpose, then people are more likely to rent or buy these premises or properties. The reason for this, is that people are more inclined to invest in something that is ecologically conscious, rather than something that isn’t.
These factors combined help to slow down the rate at which climate change is occurring, and it’s also improving the long-term future of our planet and the sustainability of construction in the future. By using less processes that pollute the environment, and more that help to sustain it, environmentally friendly construction helps retain the economic and environmental sustainability of the construction industry in the long term.


text:
Come share your talent by getting on the stage and/or listening, supporting, and applauding with delight!
This entry was posted in Events, Youth Matters and tagged Friends Cafe, Music, young friends. Bookmark the permalink.


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30 years making pilgrimages together.
PERTUR – Travel Agency (CICMA 1240 IATA) focused on Pilgrimages and Religious Tourism for 30 years now, in Europe, Latin America and Holy Land. We operate mainly in the religious field, working with priests and parishioners, religious communities, dioceses, educational institutions, hospitals, associations, movements, magazines and spirituality groups, which we consider our friends.
The services we offer range from issuing a simple flight ticket, to organizing and preparing usual destinations, or tailoring “custom-made” trips, beatifications, canonizations, leisure activities, and any other type of event in general.
Today’s Pilgrimages and Religious Tourism.
The pilgrimage means have changed, and nowadays, there is a new style of travelling. The pilgrimage concept itself has changed a lot compared to one during the Middle Ages time, a tiempos ids, to overly pious people, without much culture. Today it resonates different. There are new terms which have been assimilated, like ‘Religious Tourism’, which even the Vatican is using, when people travel due to religious motivations; and when talking about ‘religious motivation’ it does not refer only to a place or building’s nature, but to the main intent that determines a trip. Those who travel due to religious motivations go to meet the sacred, they wish to renew themselves spiritually, fulfil a vow, ask certain graces, and demonstrate their adherence to a creed or religious personality. All without compromising tourist attractions like landscape contemplation, knowledge of other countries and cultures, enjoy monuments, etc., common to general tourism. More specifically: There is no contradiction between the tourist and the religious. We are facing then a new way of going on pilgrimage.


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No matter how well you care for your car, eventually, it will require service. You may be tempted to drive to your local neighborhood mechanic to take care of the basics, but before you do, consider the many reasons why Subaru Service is not only a better choice, it can save you big in the long run over a third-party shop.
In third-party shops, you'll meet with the mechanic and discuss what your car needs and then, they'll either do the work themselves or hand it off to an apprentice. You have no way of knowing if "Gabe from Grand Junction" has experience with car's like yours or if he's just a guy who's good with his hands.
At a Subaru Service Center, only factory-trained and certified technicians will have access to your vehicle. Each is specially trained to understand the mechanical and electronics systems. And, because these techs have been approved by Subaru to perform the necessary tasks on your vehicle's maintenance schedule, your warranty will remain intact.
Today's modern cars are, essentially, computers on wheels. Keeping them in prime form means having access to the latest equipment, including computer diagnostics that can help get to the bottom of electronic issues quickly and without the often lengthy hit-or-miss process employed by many mechanics.
Dealerships are also required to use factory designed repair equipment engineered to fit your brand of vehicle. That means faster repairs, less guesswork, and less potential for damage if a tool doesn't work quite as well as the tech had hoped for.
When you choose to bring your car to a certified service center, you'll know that only factory original or certified replacement parts will be used in your vehicle repair. These parts come with a standard 12-month/12,000-mile warranty and are made to the exact specifications of the parts they're replacing. This attention to quality ensures your vehicle runs as it was intended and, should you have any issues you won't be left stranded with a big repair bill - you're covered. This is especially important when repairing or replacing safety equipment like brakes that, if not correct, could fail on the windy roads to Vail, leaving you in a dangerous position.
You local mechanic could choose to use cheap aftermarket replacement parts, which may not be of the same quality or have the same warranty protection. So, if your part fails or doesn't fit properly and damages your car, you're stuck paying for the repairs.
If you're ready to provide your Subaru with the high-quality repair and maintenance service it deserves, contact the professionals at Glenwood Springs Subaru today.
*2016 Outback 2.5i Limited. Other models may vary. Prices include parts and labor where applicable and exclude tax. Competitors' pricing verified by Glenwood Springs Subaru as of 03/01/19.
At Glenwood Springs Subaru, you'll receive the expertise of our Factory Trained Teams, who have been trained by the most advanced Subaru technical instructors. They are equipped with Specialized Tools to help ensure accurate diagnosis and repair, and use Genuine Subaru Parts for trusted performance. Every service also comes with a free Multi-Point Inspection to help keep your vehicle's safety and quality in check. Not everyone goes to these lengths. For us, it's the Subaru way.

industry_corpus2: Automobiles


text: The LWV Michigan has announced the opening of their new state office, Suite 3G, 600 W. St. Joseph Street, Lansing. An Open House will be held on Wednesday, May 2, from 4:00 to 6:00 pm. The purpose of the event is to show off the new office to League members, legislators and Lansing area officials. The new, professional-looking work space demonstrates to Lansing decision makers that the League plans to be an important force at the state and local level. Advocacy efforts in Lansing have increased dramatically in the past year, and our contacts and centers of influence are growing.


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You believe in the mission of JDRF and want to see it continue for generations to come.
Who's that special person in your life that deserves to be recognized? You want to shout their name to the world but wonder how. Maybe they are living, or perhaps they've passed on. If you're looking for a meaningful way to honor them, consider making a tribute gift in your will or trust to JDRF in that person's name.
It's very simple to make a gift to JDRF in your will or trust. Give this legal language to your attorney to make it even simpler!
When you write your will, we hope you will consider including a gift to JDRF. It's a simple and meaningful way you can support our mission for future generations.