Hotel und Restaurant Hohen Karpfen! Hausen o.V., Spaichingen, Kreis Tuttlingen 300 Jahre Tradition und der Geist der Moderne machen dieses Haus zu einem ganz besonderen Kleinod in der landschaftlich reizvollen Schwarzwald-Baar-Region. Erleben Sie selbst, wie die Verbindung zwischen Mensch und Natur Inspiration der besonderen Art sein kann. Geni…
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In fact, it shouldn’t be surprising that it’s possible to get a good degree in three years, without missing out on other opportunities or having difficulty finding employment. Three years is standard in countries such as Australia and the UK – and degrees from those nations are not viewed as less valuable than their four-year North American equivalents. According to a 2011 survey commissioned by the British Council, 73% of hiring managers in the US said they believe UK degrees are “the same or better than those earned in the US.” Among the perceived benefits of a UK degree, employers cite the high quality of education, earlier specialization in specific subject areas, and the need for students to be self-motivated and complete more independent study.
“Potentially, starting that year earlier puts students one additional year up the career ladder, which may also mean they are better placed for promotions or salary increases down the track, benefiting their long-term earning capacity,” Professor Brailsford says.
However, three-year students do have to take on more work in each semester, in order to earn the required amount of credits in a shorter period. David Conway, vice president for enrolment management, says, “We work closely with our three-year students to ensure they are able to do this while getting the same value and benefits as our four-year students.”
Since launching in 2009, the fast-track program has enjoyed a steady growth in popularity, and the college is on course to achieve its goal of having 10% of students enrolled on three-year courses. This figure is not higher because, as Hartwick president Margaret L Drugovich says, the fast-track program is “not for everyone.” Conway agrees, emphasizing that “one has to be a very strong student to earn a bachelor’s degree in three years from Hartwick” – something which is recognized by employers, he adds.
But, with many countries seeing rising tuition fees and high levels of student debt, a growing number of universities are introducing fast-track degree program options, allowing students to graduate in as little as two years.
Start by checking your most recent pension statement. But such calculations are complex, and professional help is often needed. The American Academy of Actuaries can arrange up to four hours of free pension help for people with questions. Its pension assistance list is available on its website.
More than a third of retirement-age workers covered by a pension plan took a lump-sum payout when they left their job or retired, according to a 2013 study from the Employee Benefit Research Institute. Yet employees are often ill-equipped to make an informed choice. A report last year from the Government Accountability Office found that many people potentially face a reduction in their retirement assets when they accept a lump-sum offer.
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If you change your mind after taking a lump-sum payout, you can choose to buy an individual annuity from an insurance company that will provide a steady monthly payment. But you will probably receive a lower payment than you would with your company pension, Ms. Kleinstuber said. That is because a company-sponsored plan spreads risk over a large pool of people, so it is able to offer better terms.
Ellen Kleinstuber, a pension actuary and chairwoman of the Pension Committee of the American Academy of Actuaries, said the main benefit of a monthly payment was that it would continue even if you lived much longer than you expected. “You know it’s going to be there.”
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5) Rent out your parking space
MANDAN, N.D. (AP) — A 19-year-old Bismarck man is dead after a two-vehicle crash i…
There are many young trees planted to replace an aging riparian forest, just like our project on the Chahinkapa Park island. Shaded hosta plantings rival our Aurene Kragness hosta landscape. Annual and perennial flowers brighten the grounds with many colors. Canada goslings abound in a similar strong spring hatch.
A carousel safely removed from flooding waters years ago has yet to be restored and returned. We are fortunate the Prairie Rose Carousel and Chapel fought off flood waters with thousands of sand bags and still offer delightful rides.
The Mouse River has a fishing pier, exactly like the four we have on straddling Bois de Sioux and Red Rivers and a few shoreline fishing areas. One fisherman reeled in a bullhead, a poor man’s version of our popular channel catfish. There are some algae challenges, something we are presently experiencing big-time.
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The financial media also propagate two myths that argue against 401(k) loans: The loans are not tax-efficient; and they create enormous headaches when participants can't pay them off before leaving work or retiring. Let's confront these myths with facts:
Another confusing concept in these transactions is the term "interest." Any interest charged on the outstanding loan balance is repaid by the participant into the participant's own 401(k) account, so technically this also is a transfer from one pocket to another, not a borrowing cost or loss. As such, the cost of a 401(k) loan on your retirement savings progress can be minimal, neutral or even positive – but in most cases it will be less than the cost of paying "real interest" on a bank or consumer loan.
Regulations require 401(k) plan loans to be repaid on an amortizing basis over not more than five years, unless the loan is used to purchase a primary residence. Longer payback periods are allowed for these particular loans.
When you must find cash for a serious short-term liquidity need, a loan from your 401(k) plan probably is one of the first places you should look. Let's define "short-term" as being roughly a year or less. Let's define "serious liquidity need" as not including a sudden yearning for a 42-inch flat-screen TV.
Don't let the financial media scare you away from a valuable liquidity option embedded in your 401(k) plan. When you loan yourself appropriate amounts of money for the right short-term reasons, these transactions can be the simplest, most convenient and lowest cost source of cash available. Before taking any loan, you should always have a clear plan in mind for repaying these amounts on schedule or earlier.
If you understand this point, you will see that the best time to take a loan is when you feel the stock market might be vulnerable or weakening (such as during recessions). Coincidentally, many people find that they need short-term liquidity during such periods.
One bowl, one pan, four ingredients and no kneading – no joke! This scrumptious traditional Greek bread recipe will make a home baker out of every one of you 🙂
traditional, no-knead, Greek skillet bread
The roasted garlicky-goodness, perfectly distributed in each bite of this beautiful loaf of bread, is perfection. And baking it in the wrap-around heat of a cast iron pan? Well, that makes it just that much more amazing. Yes, I am a fan! Continue Reading →
The avocado toast trend’s got nothing on this traditional amazingly tasty, incredibly simple Greek power breakfast: 5 minutes, 5 ingredients, one bowl, and done!
traditional golden cake from Constantinople
Step 4 – Start Trading!
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Are You Internet Savvy originally appeared on my website, ProWebWriter(dot)com in 2012. It has been updated for 2017. Being Internet savvy is quite a blanket statement. The Internet is such a vast domain that having a broad knowledge is an ongoing process for any enthusiast. The first time I ever saw the Internet was at my brother’s house in the mid-90’s. I remember he showed me Yahoo and how you…Read more
Recently, I decided to upgrade my email marketing platform. I currently use Mailchimp. I felt that I needed more features to better serve you with great content. I was wrong. I decided to try GetResponse. Why in the world I decided to learn a new system while doing a launch at the same time is beyond me. I’ve learned several personal lessons in the last year, one of those being…Read more
Over the last week or so, I’ve bought a few products from WarriorPlus. There will be no affiliate links in this post. That’s how bad they were. The first product I got was Rob Cornish’s offering which I reviewed. That one was decent. The other 3 or 4 I got were garbage. Now, I don’t want to name names and call people out because I don’t feel that’s good marketing…Read more
I’ve made the decision to start a blog many times. I started my first blog back in 2001 on LiveJournal.com. Isn’t that crazy? I’ve had Blogspot blogs (still do), WordPress blogs, and obscure blogs in places no one cares about. The point that I want to get across is: I have a ton of blog experience, I want to help you start a blog, and I know you can build…Read more
Back in the day, the way to roll with whole blog thing was to write your butt off and monetize with Adsense. It was like a game to see who could get their ads to look the most like their regular blog text. Over time, I think we’ve finally learned that the key here is user experience. Provide your readers with the best possible content possible, and the rest will…Read more
affiliate marketing, newbies, reviews
What is SAP HANA?
Since currency option preferences are specific to currency options the Currency Option tab will be displayed only if you have indicated that you would like
They still have monthly maintenance fees of 7.50. I assume this means 7.50 USD or EUR or whatever currency your account is in. The problem is that I have to assume because they don’t say what it is even in their Terms and Conditions and their support is going to just copy – paste something like “We are the best in the business”. Keep in mind there’s also a Clearance Fee which will be applied to all of your trades. I recommend you read their T&C, especially section 20 if you want to know about their fees.
Update 2017, the advertised assets reach up to 157 and signing in to the platform we can see that under High/Low there are around 44 currency pairs to trade but not all available during the time we looked which is normal but at least 30 were available which is great. In addition, 94 stocks, 7 commodities and 12 indices are available but again, bear in mind that not all of them will be available at the same time and for all option types!
26.04.2016: Italian Consob adds Opteck to their blacklist after BCSC also warned about them. Source: Consob.it
Update February 2017 – we can see that not only have many regulators have issued warnings towards Opteck but there are still many serious complaints which make them look like a bad broker. Stories like “account managers wiping accounts” or withdrawals not being processed or being difficult to achieve do not instill trust. You can also search for Opteck on our main page (select magnifying glass icon) and you will notice how often they appear in our scam watch articles, April, June, August, September, December scam watch and also noticed in our news articles on regulators issuing warnings against Opteck.
02.07.2015: Belgian regulator FSMA, strongly advises against investing with Opteck and their (former) owner B.H.N.V. Source: FSMA.Be
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I sent the documenation to them several times, and the account was still locked. I contacted them, and was refered to Karen.
It was Friday evening, and I left messages and sent e-mails to Karen, all to no avail.
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In lisp you can easily represent hex, dec, oct and bin as follows
edit: oh didn't see the python code :) yeah, that's cooler
It's dead simple: just a loop through every char of the input string
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