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Many vehicles are available on the market which offer tremendous value for money and can represent an investment that keeps paying off for years.
http://www.williamhenry.com/money-clips.html | Success means more than material wealth with William Henry’s collection of money clips. Luxuriously designed, learn more about these functional pieces in the Zurich and Geneva collections.
I hate payday. Call me cynical but to me it’s the worst day of the month. I can see your confused face right now, dear reader but I assure you that I am speaking the honest truth. Payday is nothing but a sham, a false means for celebrations and it doesn’t matter to me when my month’s wages are transferred – why, you ask?
The most important element of closing a real estate sale involves your client signing on the dotted line. Instead of the time consuming method of signing multiple documents, you can utilize an electronic signature to speed up the closing process. You no longer need to spend money on couriers or certified mail delivery for urgent documents. The best paperless software reduces risk by permanently recording and storing every electronic signature.
Northjersey.com A recent meeting with a client reminded me that while the vocabulary of our industry may be second nature to those of us in the industry, it may feel like a foreign language, creating the first barrier to understanding, for those of you trying to navigate the health insurance arena. Therefore, today we will offer a user-friendly listing of the terms you may encounter. PREMIUM – The money you pay to have an insurance product. Similar to when you check out at the grocery store and pay for your sacks of groceries, premium is what you pay for the product you purchased. DEDUCTIBLE – Deductible is the amount of money you will pay out of your pocket before the health insurance plan starts to pay. Deductibles can vary by carrier, and plan. The Medicare Part A (Hospital coverage) deductible in 2014 is $1,216 per benefit period. The Medicare Part B (Medical IE: Doctor appointments etc) deductible in 2014 is $147 per year.
Managed currencies attract money to frontier markets Frontier markets with managed exchange rates from Dubai to Vietnam are luring equity investors fleeing the currency turmoil in larger developing economies. Funds that buy shares in the less-developed nations posted inflows of $407 million in the first six weeks of 2014, while $21 billion was pulled from emerging markets, EPFR Global data show. A gain of about 3 percent in the MSCI Frontier Market Index this year pushed stocks to a 2008 high Feb. 19, even as slower China growth and the Federal Reserve’s plan to trim bond buying weighed on developing and developed-nation gauges.
The Koyal Group Insurance Compliance (Corrects headline to show probe is over legal compliance) March 3 (Reuters) - A federal grand jury is probing Citigroup Inc, including its Banamex USA affiliate, over compliance with the U.S. Bank Secrecy Act and anti-money laundering requirements, the company said. In an annual filing on Monday with the U.S. Securities and Exchange Commission, the company said the probe includes subpoenas from the U.S. Attorney's Office for the District of Massachusetts. The company also said Banamex USA had received a subpoena from the U.S. Federal Deposit Insurance Corp. While the U.S. attorney may bring criminal charges, the FDIC is a civil agency. The criminal probe follows other problems that have surfaced with Banamex, which operates Citigroup's largest single consumer bank outside of the United States and has been portrayed by the company as a model of its global strategy.
There are many ways through which you can save money while buying iPhone external battery case. It is always necessary for you to save money while buying your external battery case......http://www.batterymall.co.nz/
Nutrient Solution Formulation for Hydroponic (Perlite, Rockwool, NFT) Tomatoes in Florida1 George J. Hochmuth and Robert C. Hochmuth2 Plants require 16 elements for growth and these nutrients can be supplied from air, water, and fertilizers. The 16 elements are carbon (C), hydrogen (H), oxygen (O), phosphorus (P), potassium (K), nitrogen (N), sulfur (S), calcium (Ca), iron (Fe), magnesium (Mg), boron (B), manganese (Mn), copper (Cu), zinc (Zn), molybdenum (Mo), and chlorine (Cl). The key to successful management of a fertilizer program is to ensure adequate concentrations of all nutrients throughout the life cycle of the crop. Inadequate or excessive amounts of any nutrient result in poor crop performance. Excessive amounts can be especially troublesome since they can damage the crop, waste money and fertilizer resources, and pollute the environment when fertilizer is released during flushing of the nutrient delivery system. problem comes early in the season when plants become too vegetative (bullish) from too much N. The bullish growth distorts the leaves and stems, causing cracks and grooves in the stems. These openings are excellent entry ports for decay-causing organisms such as soft rot. Bullish plants usually produce misshapen fruits often with significant amounts of blossom-end rot and cat-facing. Keeping the N level low (60 to 70 parts per million) early in the season helps eliminate bullishness. For Florida greenhouse vegetable producers, management focuses on all nutrients except for C, H, and O. The latter three elements are usually supplied in adequate amounts from air and water. Growers in northern climates, where greenhouses are not ventilated in the winter, see benefits from additions of C from carbon dioxide (CO2). Increased yields in Florida from additions of CO2 are unlikely due to the need for frequent ventilation. Nutrient management programs should begin with an understanding of the nutrient solution concentrations in parts per million (ppm) for the various nutrients required by tomato plants. By managing the concentrations of individual nutrients, growers can control the growth and yield of the crop. Table 1 presents the fertilizer recommendations for tomatoes for the various growth stages during the season in Florida. These recommendations are applicable to all types of production systems (perlite, rockwool, and NFT) in which healthy roots are maintained, and are a suitable base when determining a nutrient solution plan for cucumbers and peppers. However, cucumbers will need more N early in the season than tomato.
Reading and understanding centrifugal pump curves is key to proper pump selection, and to their reliable and efficient operation. This Tech Brief examines how pump curves can provide data about a pump’s ability to produce flow against certain head, shows how to read a typical centrifugal pump curve, and provides information about pump efficiency and brake horsepower. Pumps are the workhorses of any drinking water distribution or wastewater collection system. They operate 24 hours a day, 365 days a year getting water to homes and business, and removing wastewater from them. A correctly sized pump will work efficiently for many years, saving a system money and energy. An incorrectly sized pump can fail if it’s too small or result in unnecessary expense if it’s too big. Pump curves provide a way to see the correct size a pump should be for specific conditions. Pump Terminology Before discussing specific details, it helps to understand typical terms associated with pump curves: Impeller—the moving element in a pump that drives the liquid. Volute—the spiral-shaped casing surrounding a pump impeller that collects the liquid discharged by the impeller. Head—a measure of the pressure or force exerted by water expressed in feet. Centrifugal pump curves show pressure as head, which is the equivalent height of water with specific gravity = 1. Static Head—the vertical height difference from the surface of a water source to the centerline of the impeller. The vertical height difference from the centerline of the impeller to the discharge point is called discharge static head, while the vertical height difference from the surface of the water source to the discharge point is known as total static head. Total Head / Total Dynamic Head—the total height difference (total static head) plus friction losses and demand pressure from nozzles etc. (total discharge head) = total dynamic head. Capacity/Flow—the rate of liquid flow that can be carried, typically measured in gallons per minute (gpm). Net Positive Suction Head—how much suction lift a pump can achieve by creating a partial vacuum. Atmospheric pressure then pushes liquid into pump. A method of calculating if the pump will work or not. Cavitation—cavities or voids in liquid. Bubbles take up space leading to a drop in pump capacity. Collapsing bubbles can damage the impeller and volute, making cavitation a problem for both the pump and the mechanical seal. Specific Gravity—the weight of liquid in comparison to water at approximately 20° C (SG = 1). Specific Speed—a measure of the function of pump flow, head, and efficiency. Vapor Pressure—the force exerted by the gas released by a liquid in a closed space. If the vapor pressure of a liquid is greater than the surrounding air pressure, the liquid will boil. Viscosity—a measure of a liquid’s resistance to flow (i.e., how thick it is). The viscosity determines the type of pump used, how fast it can run, and with gear pumps, the internal clearances required. Friction Loss—the amount of pressure / head required to force liquid through pipes and fittings.