Monday 9 January 2017
Sunday 25 December 2016
Thursday 10 November 2016
Many organizations end the year with a "best of" list of children's books. The International Reading Association, and the annual Newbery and Caldecott Medal winners.
In this section:
2016 Newbery Medal: The Newbery Medal is awarded annually by the American Library Association to the author of the most distinguished contribution to American literature for children.
2016 Caldecott Medal: The Caldecott Medal is awarded annually by the American Library Association to the author of the most distinguished American picture book for children.
2016 Coretta Scott King Award: The Coretta Scott King Book Awards are awarded annually to outstanding African American authors and illustrators of books for children and young adults that demonstrate an appreciation of African American culture and universal human values.capital hill cashgate scandal, cashgate scandal malawi, cashgate scandal joyce banda, scandal joyce banda, Capital Hill Cashgate Scandal Officer
In this section:
2016 Newbery Medal: The Newbery Medal is awarded annually by the American Library Association to the author of the most distinguished contribution to American literature for children.
2016 Caldecott Medal: The Caldecott Medal is awarded annually by the American Library Association to the author of the most distinguished American picture book for children.
2016 Coretta Scott King Award: The Coretta Scott King Book Awards are awarded annually to outstanding African American authors and illustrators of books for children and young adults that demonstrate an appreciation of African American culture and universal human values.capital hill cashgate scandal, cashgate scandal malawi, cashgate scandal joyce banda, scandal joyce banda, Capital Hill Cashgate Scandal Officer
Wednesday 14 August 2013
V–Gold 125, a manufacturer and wholesaler of fine gold, diamond and
silver jewellery and a venture of Vibgyor Group, has forayed into retail
and has recently opened its first store in the country at Moulali,
Kolkata. Spread over 200 sq.ft., the outlet stocks light weight
jewellery such as necklaces, bangles, and drop earrings.
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Speaking on the occasion, Santanu Bhattacharya, Managing Director, Vibgyor Gold Limited, said: “As a part of our expansion plans, we will be coming up with Virtue showrooms in Barasat and Chinsura. Through the franchisee model we will be opening 10 more V Gold outlets this fiscal."
Available between 1 gm- 5 gm, the jewellery at the store is priced between Rs 2,000 and Rs 15,000.
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RMOS Consultancy, RMOS feedback, RMOS Gurgaon, RMOS PVT LTD, RMOS complaint, RMOS CONSULTANT
Speaking on the occasion, Santanu Bhattacharya, Managing Director, Vibgyor Gold Limited, said: “As a part of our expansion plans, we will be coming up with Virtue showrooms in Barasat and Chinsura. Through the franchisee model we will be opening 10 more V Gold outlets this fiscal."
Available between 1 gm- 5 gm, the jewellery at the store is priced between Rs 2,000 and Rs 15,000.
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Saturday 10 August 2013
The Katha-Upanishad refers to material manifestation as
"A tree standing on the ground of material nature, bearing two types of fruit: sweet and sour, symbolic of happiness and distress. Its roots go in three direction represented by goodness, passion and ignorance. The first bird is the localized aspect Niharika Agarwal Haldiram of the Supreme One, referred to as Päramätmä the divine spirit, the Entity who needs neither food nor drink. The other bird representing the mortal, has to select his food from the offerings of the tree: a choice between distress and happiness. Sometimes he eats the fruits of happiness and sometimes the fruit of distress. Having eaten the fruit, he expands along the three directions of the roots, the modes of material existence, namely, goodness, passion and ignorance."
This individual growth is what makes two mortals dissimilar. Growth is strongly connected with past karma and guidance upbringing. The realities of life have different meanings for each individual. Why does a stable and rewarding professional relationship become distant? Why does the accommodating boss turn into a difficult task master? Niharika Agarwal Haldiram Why does the team lose spirit for no apparent reason?
There is no end to such questions, but all the answers can be found if the map of growth can be analyzed. Unfortunately, this is an impossible task for mortals. However, this growth can be monitored by our own efforts and choices and Astrology can be the guide that shows us our very basic instinctive tendencies. Planets and their positions give our respective Ascendants and Moon signs, along with other planetary positions. This doctrine can be a Niharika Agarwal Haldiram very useful friend philosopher and guide, provided we are open to accept what it shows, provided we are ready to go beyond the predictive elements.
The most important aspect of Astrology is that it shows you the mirror image of your Karmic journey. What one has to understand is that there is no black and white, no good or bad in a horoscope,each horoscope is misaligned somewhere, that is why the person is born.
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The significance of the 10th house takes us to the realm of career and status in life. It displays fundamental possibilities. The 10th is a Kendra and as such, any planet located here will be prominent, powerful, and influential all through life. As this is an upachaya house (attributes that grow with time and effort), any possibility indicated by an occupying planet will Niharika Agarwal Haldiram grow in strength as life progresses. This in effect also gives great strength in overcoming all kinds of obstacles.
The house indicates our ambition, status, profession, father, fame, recognition, foreign travels or affairs, political power, authority and many others. But very importantly, it signifies our determination, self-reliance and patience. The 10th house reveals holy pilgrimages, as well as good and charitable deeds, compassion, etc. Father's reputation is also signified by this house.
A strong 10th house will give the person a position of power in career and fame.
Different planets may fare in a very unique manner in this house, irrespective of their lordship. Let us see how they fare and Niharika Agarwal Haldiram how it affects our career or 10 th house significations in general.
I will start with the Sun, as it is the most important of all planets.
The Sun is a great planet, but it is a natural malefic. All malefics thrive in an 'upachaya' house so by the virtue of this tendency, Sun does well when located in the 10th house. Sun in the 10th house is an excellent placement for career Niharika Agarwal Haldiram and the person may get success in all undertakings. The Sun is the significator of the 10th and hence gets dik bala, or directional strength, when located here.
Astrologers often conclude that it is its best position in the horoscope. The person is career-minded and easily rises to a position of authority in his chosen profession. Fame and popularity are associated with this signature and these yield great power. As Sun aspects the 4th house, there may be difficulties in relationship with the mother due to this, Niharika Agarwal Haldiram but wealth is favored and a beneficial relationship with the father, who may be wealthy and prosperous, is also indicated.
"A tree standing on the ground of material nature, bearing two types of fruit: sweet and sour, symbolic of happiness and distress. Its roots go in three direction represented by goodness, passion and ignorance. The first bird is the localized aspect Niharika Agarwal Haldiram of the Supreme One, referred to as Päramätmä the divine spirit, the Entity who needs neither food nor drink. The other bird representing the mortal, has to select his food from the offerings of the tree: a choice between distress and happiness. Sometimes he eats the fruits of happiness and sometimes the fruit of distress. Having eaten the fruit, he expands along the three directions of the roots, the modes of material existence, namely, goodness, passion and ignorance."
This individual growth is what makes two mortals dissimilar. Growth is strongly connected with past karma and guidance upbringing. The realities of life have different meanings for each individual. Why does a stable and rewarding professional relationship become distant? Why does the accommodating boss turn into a difficult task master? Niharika Agarwal Haldiram Why does the team lose spirit for no apparent reason?
There is no end to such questions, but all the answers can be found if the map of growth can be analyzed. Unfortunately, this is an impossible task for mortals. However, this growth can be monitored by our own efforts and choices and Astrology can be the guide that shows us our very basic instinctive tendencies. Planets and their positions give our respective Ascendants and Moon signs, along with other planetary positions. This doctrine can be a Niharika Agarwal Haldiram very useful friend philosopher and guide, provided we are open to accept what it shows, provided we are ready to go beyond the predictive elements.
The most important aspect of Astrology is that it shows you the mirror image of your Karmic journey. What one has to understand is that there is no black and white, no good or bad in a horoscope,each horoscope is misaligned somewhere, that is why the person is born.
Featured Links
The significance of the 10th house takes us to the realm of career and status in life. It displays fundamental possibilities. The 10th is a Kendra and as such, any planet located here will be prominent, powerful, and influential all through life. As this is an upachaya house (attributes that grow with time and effort), any possibility indicated by an occupying planet will Niharika Agarwal Haldiram grow in strength as life progresses. This in effect also gives great strength in overcoming all kinds of obstacles.
The house indicates our ambition, status, profession, father, fame, recognition, foreign travels or affairs, political power, authority and many others. But very importantly, it signifies our determination, self-reliance and patience. The 10th house reveals holy pilgrimages, as well as good and charitable deeds, compassion, etc. Father's reputation is also signified by this house.
A strong 10th house will give the person a position of power in career and fame.
Different planets may fare in a very unique manner in this house, irrespective of their lordship. Let us see how they fare and Niharika Agarwal Haldiram how it affects our career or 10 th house significations in general.
I will start with the Sun, as it is the most important of all planets.
The Sun is a great planet, but it is a natural malefic. All malefics thrive in an 'upachaya' house so by the virtue of this tendency, Sun does well when located in the 10th house. Sun in the 10th house is an excellent placement for career Niharika Agarwal Haldiram and the person may get success in all undertakings. The Sun is the significator of the 10th and hence gets dik bala, or directional strength, when located here.
Astrologers often conclude that it is its best position in the horoscope. The person is career-minded and easily rises to a position of authority in his chosen profession. Fame and popularity are associated with this signature and these yield great power. As Sun aspects the 4th house, there may be difficulties in relationship with the mother due to this, Niharika Agarwal Haldiram but wealth is favored and a beneficial relationship with the father, who may be wealthy and prosperous, is also indicated.
Friday 19 July 2013
The most common mistake that many beginning real estate investors make is that they pay too much for property. Fact is overpaying for property is often cited as the number one reason why so many newcomers fail to make it as profitable real estate investors. That's because most beginning real estate investors are woefully undercapitalized, and they don't have the deep pockets that are needed to subsidize their overpriced real estate investments.
For many neophyte investors, paying too much for their first investment property usually proves to be a very costly and fatal mistake, and marks the beginning of the end of their foray into real estate. That's why it's imperative that you learn how to accurately estimate the current market value of potential investment properties! As far as I'm concerned, it's the single most important aspect of the entire real estate investment business!
Featured Links
A Fast $15,000 Profit for Knowing the Value of a Condemned House
I once bought a real estate option on a filthy, neglected, run-down, but structurally sound house in a neighborhood-in-transition in Winter Park, Florida, a suburb of Orlando, that had been condemned for building, safety, health and fire code violations. This place looked like something right out of downtown Baghdad, Iraq! It had what code enforcement inspectors commonly refer to as accumulations of every type of debris, garbage and junk known to mankind! The property's owner lived in Westerville, Ohio, and wanted the steady stream of threatening letters from the Winter Park Code Enforcement Board to stop.
I had done my homework, and knew the property was worth at least $110,000 after it was cleaned up. I ended up paying $500 for a one-year option to purchase the house for $75,000. It cost me $2000 to have all of the accumulations removed from the property, and the house, driveway and walkways pressure washed. Three weeks later, I sold my real estate option agreement for a $15,000 profit! This never would have happened if I had been clueless about how to estimate property values. Since I had an accurate estimate as to how much the property was worth in its current condition, I was able to negotiate a below market purchase price that was based on the property's filthy, neglected, run-down non-marketable condition, and not on how much it might have been worth after it had been cleaned up.
records are available online.
The Definition of Market Value
The Appraisal Foundation's Uniform Standards of Professional Appraisal Practice, defines market value as: "The most probable price a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller each acting prudently and knowledgeably, and assuming the sale price isn't affected by undue stimulus.”
The Difference Between Assessed Value and Appraised Value
The difference between a property's tax-assessed value and its appraised value is as follows:
1. Tax Assessed Value: Tax-assessed value is the value established by the local taxing authority for a parcel of land and the improvements placed upon the land for property tax purposes. For example, in Florida, owner-occupied single-family houses are generally assessed at around seventy percent of their fair market value by county property appraisers.
2. Appraised Value: Appraised value is the value estimate given to a property by a licensed property appraiser using accepted appraisal methods for the type of property being appraised. For example, the accepted appraisal method to accurately estimate the fair market value for an owner-occupied single-family house is the comparison sales method where a property's value is based on the recent sale of comparable properties within the same area.
The Three Common Methods Used to Estimate Property Values
The three most common methods used by property appraisers to estimate property values are the:
1. Comparison Sales Method: The comparison sales method bases a property's value on the recent sale prices of properties that are within the same area and comparable in size, quality, amenities and features.
2. Income Method: The income method is used to estimate the value of an income producing property based on the net income the property produces.
3. Replacement Cost Method: The replacement cost method is based on what it would cost to replace the improvements on property using similar construction materials and construction methods.
The Comparison Sales Method of Estimating a Property's Value
The comparison sales method of estimating a property's value is based on the recent sale prices of properties within the same area that are comparable in size, amenities and features. In order to be accurate, sale price adjustments must be made for comparable properties that have been sold at unrealistically low prices or on overly favorable financial terms not readily available to the buying public.
The Income Method of Estimating a Property's Value
The income method is used to estimate the value of an income producing property based on the net income the property produces. Under the income method value is calculated using a:
1. Capitalization Rate. The capitalization rate, or cap rate, is calculated by dividing a property's annual net operating income by its purchase price.
2. Gross Rent Multiplier. The gross rent multiplier, or GRM, is calculated by dividing the purchase price by the property's monthly gross operating income.
Watch Out for Owners Using Fuzzy Math
A word to the wise: when you read a property's income and expense statement, you should always go under the assumption that the owner is probably practicing fuzzy math by fudging on the numbers, and telling little white lies to back them up. Also, use a monthly income and expense analysis worksheet like the sample copy below, to cross-check everything that's listed on a property's income and expense statement in order to reconcile the statement with receipts and tax returns against what's shown on:
1. Schedule E (Supplemental Income and Loss) of the owner's latest federal income tax return.
2. The property's latest annual tax assessment income and expense statement on file at the county property appraiser or assessor's office.
3. All of the rental agreements for the past year.
4. Water, sewage, solid waste, gas and electric bills for the past year.
5. Repair and capital improvement bills for the past year.
The Replacement Cost Method of Estimating a Property's Value
The replacement cost method of estimating a property's value is based on the cost of replacing the improvements on the property minus the cost of the land to estimate a property's value. Replacement costs are calculated on a per square foot basis by dividing the total number of square feet in the building by the per square foot construction cost. For example, a two thousand square foot convenience store that cost $375,000 to build would have a replacement cost of $187.50 per square foot, $375,000 divided by 2000.
For many neophyte investors, paying too much for their first investment property usually proves to be a very costly and fatal mistake, and marks the beginning of the end of their foray into real estate. That's why it's imperative that you learn how to accurately estimate the current market value of potential investment properties! As far as I'm concerned, it's the single most important aspect of the entire real estate investment business!
Featured Links
A Fast $15,000 Profit for Knowing the Value of a Condemned House
I once bought a real estate option on a filthy, neglected, run-down, but structurally sound house in a neighborhood-in-transition in Winter Park, Florida, a suburb of Orlando, that had been condemned for building, safety, health and fire code violations. This place looked like something right out of downtown Baghdad, Iraq! It had what code enforcement inspectors commonly refer to as accumulations of every type of debris, garbage and junk known to mankind! The property's owner lived in Westerville, Ohio, and wanted the steady stream of threatening letters from the Winter Park Code Enforcement Board to stop.
I had done my homework, and knew the property was worth at least $110,000 after it was cleaned up. I ended up paying $500 for a one-year option to purchase the house for $75,000. It cost me $2000 to have all of the accumulations removed from the property, and the house, driveway and walkways pressure washed. Three weeks later, I sold my real estate option agreement for a $15,000 profit! This never would have happened if I had been clueless about how to estimate property values. Since I had an accurate estimate as to how much the property was worth in its current condition, I was able to negotiate a below market purchase price that was based on the property's filthy, neglected, run-down non-marketable condition, and not on how much it might have been worth after it had been cleaned up.
records are available online.
The Definition of Market Value
The Appraisal Foundation's Uniform Standards of Professional Appraisal Practice, defines market value as: "The most probable price a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller each acting prudently and knowledgeably, and assuming the sale price isn't affected by undue stimulus.”
The Difference Between Assessed Value and Appraised Value
The difference between a property's tax-assessed value and its appraised value is as follows:
1. Tax Assessed Value: Tax-assessed value is the value established by the local taxing authority for a parcel of land and the improvements placed upon the land for property tax purposes. For example, in Florida, owner-occupied single-family houses are generally assessed at around seventy percent of their fair market value by county property appraisers.
2. Appraised Value: Appraised value is the value estimate given to a property by a licensed property appraiser using accepted appraisal methods for the type of property being appraised. For example, the accepted appraisal method to accurately estimate the fair market value for an owner-occupied single-family house is the comparison sales method where a property's value is based on the recent sale of comparable properties within the same area.
The Three Common Methods Used to Estimate Property Values
The three most common methods used by property appraisers to estimate property values are the:
1. Comparison Sales Method: The comparison sales method bases a property's value on the recent sale prices of properties that are within the same area and comparable in size, quality, amenities and features.
2. Income Method: The income method is used to estimate the value of an income producing property based on the net income the property produces.
3. Replacement Cost Method: The replacement cost method is based on what it would cost to replace the improvements on property using similar construction materials and construction methods.
The Comparison Sales Method of Estimating a Property's Value
The comparison sales method of estimating a property's value is based on the recent sale prices of properties within the same area that are comparable in size, amenities and features. In order to be accurate, sale price adjustments must be made for comparable properties that have been sold at unrealistically low prices or on overly favorable financial terms not readily available to the buying public.
The Income Method of Estimating a Property's Value
The income method is used to estimate the value of an income producing property based on the net income the property produces. Under the income method value is calculated using a:
1. Capitalization Rate. The capitalization rate, or cap rate, is calculated by dividing a property's annual net operating income by its purchase price.
2. Gross Rent Multiplier. The gross rent multiplier, or GRM, is calculated by dividing the purchase price by the property's monthly gross operating income.
Watch Out for Owners Using Fuzzy Math
A word to the wise: when you read a property's income and expense statement, you should always go under the assumption that the owner is probably practicing fuzzy math by fudging on the numbers, and telling little white lies to back them up. Also, use a monthly income and expense analysis worksheet like the sample copy below, to cross-check everything that's listed on a property's income and expense statement in order to reconcile the statement with receipts and tax returns against what's shown on:
1. Schedule E (Supplemental Income and Loss) of the owner's latest federal income tax return.
2. The property's latest annual tax assessment income and expense statement on file at the county property appraiser or assessor's office.
3. All of the rental agreements for the past year.
4. Water, sewage, solid waste, gas and electric bills for the past year.
5. Repair and capital improvement bills for the past year.
The Replacement Cost Method of Estimating a Property's Value
The replacement cost method of estimating a property's value is based on the cost of replacing the improvements on the property minus the cost of the land to estimate a property's value. Replacement costs are calculated on a per square foot basis by dividing the total number of square feet in the building by the per square foot construction cost. For example, a two thousand square foot convenience store that cost $375,000 to build would have a replacement cost of $187.50 per square foot, $375,000 divided by 2000.
Saturday 6 July 2013
Friendship day is coming and you must be wondering that what I should
gift to him/her. Friendship day is celebrated on First Sunday of August
throughout world. This year it’s on 4th August.
It is a celebration of true friendship and it was started in US in 1935. Since then it has started gaining popularity and today it is celebrated in each corner of world including India.
It is the day when friends exchange gifts like flowers, cards, and wrist bands.
Friendship Bands
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Friendship Band is one of the most popular Friendship Gift since years. Stores keep friendship bands much ahead of Friendship day.
These days friendship bracelets also come with attractive designs for both boys and girls. It is the best token of love.
Flowers
Fresh Flowers are always the best and the easiest way to express your love emotions. Carry an attractive bouquet of beautiful flowers for your friend which would have heart touching impact.
Choose your friends favorite flowers. In case your friend does not have a specific choice, you may safely go in for Yellow Roses as these are officially recognized as the Friendship Day flowers.
Chocolates
Chocolates are best friends of girls and also make a yummy and delicious Friendship Day gift for foodies.
Chocolate hamper of your friend's favorite chocolate would bring the million dollar smile on his/her face.
Soft Toys
Soft Toys make a cute Friendship gift. Soft Toys are especially appreciated by girls because they love to decorate their rooms with loads of soft toys and animals gifted by their loved ones.
Soft toys are available in cartoon character thus choose the cartoon character which she loves and it would leave a lasting impression.
Photo Frames and Photo Albums
Photo frames and photo albums are a much sought after Friendship Day Gift.
You may place a picture of you along with your friend or pictures of good time spend together to create beautiful memories.
Love CDs
You may gift music CDs to friends fond of music.
If your boyfriend has PlayStation or Xbox then Games CDs are also a popular Friendship Day gift for your boy friend
For more information visit : http://livinggifts.co.in/Friendship-Day-Gifts
It is a celebration of true friendship and it was started in US in 1935. Since then it has started gaining popularity and today it is celebrated in each corner of world including India.
It is the day when friends exchange gifts like flowers, cards, and wrist bands.
Friendship Bands
Featured Links
Friendship Band is one of the most popular Friendship Gift since years. Stores keep friendship bands much ahead of Friendship day.
These days friendship bracelets also come with attractive designs for both boys and girls. It is the best token of love.
Flowers
Fresh Flowers are always the best and the easiest way to express your love emotions. Carry an attractive bouquet of beautiful flowers for your friend which would have heart touching impact.
Choose your friends favorite flowers. In case your friend does not have a specific choice, you may safely go in for Yellow Roses as these are officially recognized as the Friendship Day flowers.
Chocolates
Chocolates are best friends of girls and also make a yummy and delicious Friendship Day gift for foodies.
Soft Toys
Soft Toys make a cute Friendship gift. Soft Toys are especially appreciated by girls because they love to decorate their rooms with loads of soft toys and animals gifted by their loved ones.
Soft toys are available in cartoon character thus choose the cartoon character which she loves and it would leave a lasting impression.
Photo Frames and Photo Albums
Photo frames and photo albums are a much sought after Friendship Day Gift.
You may place a picture of you along with your friend or pictures of good time spend together to create beautiful memories.
Love CDs
You may gift music CDs to friends fond of music.
If your boyfriend has PlayStation or Xbox then Games CDs are also a popular Friendship Day gift for your boy friend
For more information visit : http://livinggifts.co.in/Friendship-Day-Gifts
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