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pengertian ex post and ex ante dalam akuntansi

Payday Lending in Ohio - Legislative Service Commission

The term “payday loan” describes a small, unsecured short-term loan the repayment of which is to occur on the borrower’s next payday. A borrower typically writes a post-dated personal check to the lender in the full amount of the loan plus fees. On the maturity date, if the borrower does not return to repay the loan, the lender cashes the check. Alternatively, the borrower may authorize the lender to electronically withdraw the loan amount plus fees from the borrower’s checking account on the borrower’s next payday. This is often the case when a borrower applies for the loan via the Internet. Payday lending has generated a great deal of controversy over the years, the core issues being the high cost of these loans (in terms of interest rate and fees) and the tendency of borrowers to repeatedly renew the loans. But the payday lending industry has countered that making these loans available provides a valuable service for a number of consumers. Payday lending expanded in Ohio following 1996 legislation authorizing check-cashing businesses to make small loans. In 2008, the General Assembly enacted, and the state’s voters approved, legislation repealing this authority and establishing the Short-Term Loan Law. But no businesses are currently licensed under the new law, as lenders have opted to make payday-type loans under Ohio’s Mortgage Loan Law or Small Loan Law. However, a late 2012 decision of an Ohio Court of Appeals, affirming the Elyria Municipal Court, has challenged lenders’ authority to make payday-type loans under the Mortgage Loan Law.

Media Advisory - Arizona Registrar of Contractors

AZ Registrar of Contractors Joins Contracting Boards in Six Other States in Sting of Unlicensed Contractors Advertising on Craigslist The Registrar of Contractors (ROC) is joining contracting boards in Oregon, California, Nevada, Utah, Rhode Island and South Carolina, as well as the National Association of State Contractors Licensing Agencies (NASCLA) in issuing a nationwide consumer alert about a plethora of illegal and deceptive ads placed every day on the popular craigslist website (www.craigslist.org) and other similar online bulletin boards. The Registrar of Contractors routinely investigates unlicensed contracting by checking newspapers, magazines, tradeshows and online bulletin boards such as craigslist. Craigslist is a valuable tool and is used by many licensed contractors to advertise. Unfortunately, many unlicensed contractors also use craigslist to post illegal and deceptive advertisements. In Arizona a person commits a Class 1 Misdemeanor by (1) advertising to perform services that require a contractor’s license, and/or (2) acting in the capacity of a contractor without a license. The Arizona sting led to 9 unlicensed contractor investigations. The ROC routinely refers unlicensed contracting cases to the Maricopa County Attorney’s office for prosecution. Arizona Registrar Bill Mundell said, “Joining with seven other states in conducting this unlicensed contractor sting is a historic event. This combined effort demonstrates our shared commitment to protecting honest people from the harm caused by unlicensed contractors. In order to protect Arizonans we vigorously enforce the unlicensed contractor laws.” The Oregon sting led to 28 unlicensed contractor investigations.

Definisi Dasar Noise dalam Ruangan
by vokuzcom 0 Comments favorite 26 Viewed Download 0 Times

Artikel ini mengupas dasar pemahaman mengenai noise room, background noise, atau noise criteria (NC)

Pregnancy and the path to parenthood

Rupal Hospital For Women is the pioneer centre of fertility care and treatment in South Gujarat since 35 years. With successful and busy practice in Gynecology and Obstetrics, the team of doctors at Rupal hospital have been successful in helping women’s to deliver more than 50,000 babies under their care and supervision. From pre-conception, to antenatal care, to the actual process of delivery and following it up with post-natal care, the medical staff and doctors are always ready to help you and stand by your side for the entire way. Our vision is to be a leading women and child health care provider, offering memorable birthing experience with a commitment to providing women with the highest quality and most advanced healthcare throughout all stages of their lives, from adolescence through menopause. At the end of the pregnancy journey you will be holding your precious baby in your hands and the discomforts of the past nine months will be a memory. For highest standard of pregnancy healthcare, from the stage of pre-conception to antenatal care to actual process of delivery, and to know about symptoms of pregnancy, complications of pregnancy you can contact us at http://www.rupalhospital.com or at http://www.rupalhospital.com/team.html or you can book an appointment at 91-261-2599128

Using #Hashtag in Social Media Post
by dev1212 0 Comments favorite 24 Viewed Download 0 Times

Hashtags have come closer to being searched on search engines like queries; however still many marketers who know little about Social media marketing. Hashtags a re the real advantage for social media marketing, as blogpost with a #hashtag not only attracts your followers but too people who are interested in the #hashtag keyword or phrase.

Plastic foam densifier Elmwood Park

RecycleTech Corporation is an innovation-driven company utilizing the latest technology to provide solutions for recycling and waste reduction. Founded in 2004 as specialized recycler of EPS - Expanded Polystyrene, commonly known as Styrofoam™ - scrap material, RecycleTech Corp. has set up its first processing facility in Lakeland, Florida in 2005. In a partnership with the Solid Waste Division of Polk County, some 4,000 lbs of material is processed daily from the post-industrial "loose foam" scrap received from the local organizations.

Automatic Blog Posting Software

In Free Automatic blog posting software you can Easily create individual advertising post, Automatic blog posting, or import bulk advertising from file. Free Auto Blogger provides you are opportunity to earn more from using our Auto blogging software. It will help you to manage your blogs and easily create it. For more details Contact us on: http://www.freeautoblogger.com/

INSTALLATION INSTRUCTIONS - Aeromotive
by 4you 0 Comments favorite 11 Viewed Download 0 Times

The fuel system is under pressure. Do not open the fuel system until the pressure has been relieved. Refer to the appropriate vehicle service manual for the procedure and precautions for relieving the fuel system pressure. To use this pump in your vehicle’s fuel system, you must do the following: A by-pass style fuel pressure regulator must be used in the system. Utilize AN-10 size high pressure fuel lines, fittings and o-rings for all connections from the fuel tank pickup to the fuel pump. To ensure proper fuel pump performance and longevity, mount pump level with or lower than the bottom, and as close to the tank, as possible. Install a 12304 pre-filter and 12301 post filter. If you are using a stock fuel tank, install a reservoir sump in the bottom-rear of your fuel tank. Exercise extreme caution and follow all manufacturers’ recommendations when installing a reservoir sump. (Sump part # 18650) Tank/Fuel cell must have at least a ½” tank vent. If you choose not to install a reservoir sump, then you must install a high flow capacity fuel tank pickup (9/16” to 5/8” inner tube diameter). Installing pickup tube instead of a reservoir sump may shorten the fuel pump life and cause drivability problems. When using a pickup, you should maintain at least ½ tank of fuel to avoid possible engine lean-out and/or fuel pump damage. For long term driving applications where continuous run times exceed 30 minutes and fuel capacity is less then 10 gallons, Aeromotive recommends the installation of a Fuel Pump Speed Controller to maintain lower fuel temperatures in the tank. See Aeromotive Fuel Pump Speed Controller 16306.

Chronic Toxicity of Synthetic Based Fluid (Parateq©) on growth of three life stages of T. guineensis

This study investigates the growth of three life stages of T. guineensis exposed to different sublethal concentrations of Parateq for 12 weeks in a static renewal bioassay. Parateq a synthetic based Fluid (SBF) was added to water to obtain the following sublethal concentrations 0.32%, 0.63%, 1.25 % and 2.5% vol/vol. Fry (0.64cm –0.65cm/0.52g – 0.55g) fingerlings (5.51cm–5.57cm/5.52g – 5.56g) and Post fingerlings (7.21 - 7.25cm / >10.5g) of T. guineensis were fed with NIOMR Feed. Proximate compositions of the feeds used were evaluated while the carcass composition of the fish was analyzed at the end of the experiment. Growth rates during the 12 weeks period were modest with fish in 2.5% of Parateq gaining the least weight. The highest percent growth rates were obtained from fish in control. The overall growth was significantly different between treatments and control. This study revealed that sublethal concentrations of toxicants will not only cause outright mortality

Practicing With Paralegals - the Missouri Bar

A paralegal, qualified through education, training or work experience, is employed or retained by an attorney, law firm, government agency, corporation, or other entity to perform substantive and procedural legal work under the ultimate direction and supervision of an attorney or as authorized by administrative, statutory, or court authority. Paralegal Experience   Paralegal experience shall mean the performance of substantive legal work, non-clerical or non-adminstative in nature, that absent a paralegal, an attorney would perform. (Adopted by the Committee on Paralegals of The Missouri Bar, November 9, 2001). What education should a paralegal have?   1. Formal legal education - The American Association for Paralegal Education (AAfPE) and the American Bar Association (ABA) have endorsed minimum standards for paralegal education. An educational program approved by the ABA must require no less than 60 hours of classroom study. AAfPE has endorsed the ABA’s minimum standard and has developed a model set of core competencies for paralegal education.   2. Content   The formal education of a paralegal should include:    (a) instruction in professional ethics;    (b) legal research;    (c) analysis of legal materials;    (d) knowledge in drafting legal documents;    (e) knowledge of judicial and administrative procedures;    (f) knowledge of substantive areas of law;    (g) knowledge of law office systems and technology;    (h) oral and written communication skills.   3. Degree Levels   Formal education for paralegals is available in a wide variety of formats. Colleges, universities, community colleges and proprietary institutions provide the following types of educational credentials:    (a) post graduate (both master’s in legal studies and post-graduate certificates);    (b) baccalaureate degrees     (i) specific bachelor’s degree in legal studies;

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