الاثنين، 5 أبريل 2010

A story of empowerment

A story of empowerment

This intensive approach has consistently helped to set women and their families on a life-long path of empowerment and self-sufficiency. By providing safe, consistent housing and addressing emotional and behavioral needs, the family unit is kept intact.
Clara Politano is a living example of what this type of support can mean to a family. As a single mother struggling with addiction, Clara recounts a stack of life dominos that tumbled down as she struggled with substance abuse. She describes first losing her job, then her Section 8 status, then her apartment. After staying in cramped quarters with family members, she and her three children soon ran out of options A story of empowerment.
“My situation led to more substance abuse and severe depression,” Clara says. “The scariest day of my life was when my three kids were taken from me for five weeks. It was my lowest point and I was in panic for my children.”
Had Clara not been on the Families in Transition waiting list, there might not have been a positive conclusion to her story. Yet, within a month, Clara had an apartment at the Family Willows and was welcoming her children back into her arms and into a supportive and nurturing home, all the while receiving counseling and supports to beat her addiction and build her coping skills.
One look at her children, nine-year-old Calvin, five-year-old Jonah, and three-year-old Isabel, affirms that Clara has a happy and cohesive family, despite the challenges they’ve had to overcome.
Clara is now seeking employment, having completed an intensive outpatient program and agreeing to ongoing, random drug testing. Her gaze is direct, her thoughts concise and her voice – angelic. Clara is also an accomplished vocalist who sings R&B and Christian music.
“Because of the help I receive from The Family Willows at FIT, I have learned how to turn negative thoughts into positive ones. I can cope with anything and am setting life goals. The main thing is that I’m here for my children now – for good.”

Teachers Provident Endowment

Teachers Provident Endowment

Teachers Provident Society was established in 1877 to provide sick pay, annuities, pensions and endowments for people in the education profession. It is now the fifth largest friendly society in the UK, managing more than , Teachers Provident Endowment £946million for its customers. (As of December 2005)
The company offers a wide range of financial products and services to meet the ever developing needs of customers from all walks of life.

Canada Life endowment

Canada Life endowment

If you’re thinking of surrendering your Canada Life endowment policy, before you do, it’s worth getting a sales quote first which might mean getting more money for it. In most cases, when you surrender you policy, the deal you’re offered could mean you lose thousands, because it will not necessarily reflect the true value of your policy, or how much you have paid already in premiums.
Also, Canada Life endowment if you surrender before your term is up, your policy provider will charge you. You can get a FREE quote from our professional service, provided by a specialist endowment broker.
To get a free quote with no obligation to sell complete our simple enquiry form apply online or call the number below.

Problems with endowment mortgages

Problems with endowment mortgages

The underlying premise with endowment policies being used to repay a mortgage, is that the rate of growth of the investment will exceed the rate of interest charged on the loan. Toward the end of the 1980s when endowment mortgage selling was at its peak, the anticipated growth rate for endowments policies was high (7-12% per annum). By the middle of the 1990s the change in the economy toward lower inflation made the assumptions of a few years ago look optimistic.
Significantly, endowment mortgages continued to grow in the 1980s even after Life Assurance Premium Relief had been abolished (1984). Moreover, their share of the mortgage market held up in the 1990s despite the fact that the Treasury began to steadily reduce MIRAS, which also worked in favour of interest only mortgages, and despite a prolonged period of relatively low inflation (something which worked against interest only mortgages). The fact that endowment mortgages were later found to have been systematically mis-sold probably explains this disjunction.
Regulation of investment advice and a growing awareness of the potential for regulatory action against the insurers lead to reduction in anticipated growth rates down to 7.5% and eventually as low as 4% per annum. By 2001 the sale of endowments to repay a

An endowment mortgage

An endowment mortgage

An endowment mortgage is a mortgage loan arranged on an interest-only basis where the capital is intended to be repaid by one or more (usually Low-Cost) endowment policies. The phrase endowment mortgage is used mainly in the United Kingdom by lenders and consumers to refer to this arrangement and is not a legal term.
The borrower has two separate agreements. One with the lender for the mortgage and one with the insurer for the endowment policy. The arrangements are distinct and the borrower can change either arrangement if they wish. In the past " An endowment mortgage " the endowment policy was often taken as additional security by lender. That is, the lender applied a legal device to ensure the proceeds of the endowment were made payable to them rather than the borrower; typically the policy is assigned to the lender. This practice is uncommon now.

Injury Lawyers

Injury Lawyers



At Accidents Direct we recognise that being injured or involved in an accident can be stressful. It is therefore very important to be only in the best hands.
We work with a network of specialists injury lawyers around the country, who deal with all claimants to a very high standard of personal service and attention.
Simply fill in our claim form and one of our claim executives will be able to asses in minutes if they think our specialists injury lawyers maybe able to help you, and offer to send your details through to a lawyer.

financial endowment

financial endowment

A financial endowment is a transfer of money or property donated to an institution, usually with the stipulation that it be invested, and the principal remain intact in perpetuity or for a defined time period. This allows for the donation to have an impact over a longer period of time than if it were spent all at once. The total value of an institution's investments is referred
to as the institution's endowment.

Mortgage

Mortgage

A mortgage is the transfer of an interest in property (or the equivalent in law - a charge) to a lender as a security for a debt - usually a loan of money. While a mortgage in itself is not a debt, it is the lender's security for a debt. It is a transfer of an interest in land (or the equivalent) from the owner to the mortgage lender, on the condition that this interest will be returned to the owner when the terms of the mortgage have been satisfied or performed. In other words, the mortgage is a security for the loan that the lender makes to the borrower.

Car

Car

Car is a wheeled motor vehicle used for transporting passengers, which also carries its own engine or motor. Most definitions of the term specify that automobiles are designed to run primarily on roads, to have seating for one to eight people, to typically have four wheels, and to be constructed principally for the transport of people rather than goods.[Car] However, the term automobile is far from precise, because there are many types of vehicles that do similar tasks.

Loan

Loan

A loan is a type of debt, Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower.


In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time. Typically, the money is paid back in regular installments, or partial repayments; in an annuity, each installment is the same amount. The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage in the loan. MesotheliomaAttorneys In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent .

Breast Augmentation

Breast Augmentation

Breast Augmentation - Beverly Hills, Los Angeles


During your consultation at Rodeo Drive Plastic Surgery, your plastic surgeon will examine you and discuss recommendations for implant and incision placement to yield the best results. We perform breast augmentation using both saline and silicone implants. The procedure is usually done as an outpatient, Breast Augmentation under general anesthesia administered by a physician anesthesiologist to minimize discomfort during the procedure. Most patients have very little pain following the surgery as well because long-acting local anesthetic is administered as part of the procedure. Most patients return to work about a week after surgery. There may be some bruising for a week or so and some swelling for a few weeks following surgery. Read more about

Mesothelioma

Mesothelioma

Mesothelioma is a form of cancer that is almost always caused by exposure to asbestos. In this disease, malignant cells develop in the mesothelium, a protective lining that covers most of the body's internal organs. Its most common site is the pleura (outer lining of the lungs and internal chest wall), but it may also occur in the peritoneum, Mesothelioma (the lining of the abdominal cavity), the heart,[1] the pericardium (a sac that surrounds the heart) or tunica vaginalis.

The World Wide Web WWW

The World Wide Web WWW

The World Wide Web, abbreviated as WWW and W3 and commonly known as The Web, is a system of interlinked hyper contained on the Internet. With a web browser, one can view web pages that may contain images, videos, and other multimedia and navigate between them using hyperlinks. Using concepts from earlier hypersystems, English physicist Sir Tim Berners-Lee, now the Director of the World Wide Web Consortium, wrote a proposal in March 1989 for what would eventually become the World Wide Web.[1] He was later joined by Belgian computer scientist Robert Cailliau while both were working at CERN in Geneva, Switzerland. In 1990, they proposed using "Hyper [...] to link and access information of various kinds as a web of nodes in which the user can browse at will", and released that web in December.

Google is an American public corporation

Google is an American public corporation

Google is an American public corporation specializing in Internet search. It also generates profits from advertising bought on its similarly free-to-user e-mail, online mapping, office productivity, social networking and video-sharing services. Advert-free versions are available via paid . Google has more recently developed an open source web browser and a mobile phone operating system. Its headquarters, often referred to as the Googleplex, is located in Mountain View, California. As of March 31, 2009 (2009 -03-31)[update], the company had 19,786 full-time employees. It runs thousands of servers across the world, processing millions of search requests each day and about one petabyte of user-generated data each hour.

Attorney at law

Attorney at law or attorney-at-law

Attorney at law or attorney-at-law, usually shortened in everyday speech to attorney, is the official name for a lawyer in certain countries, including Japan, Sri Lanka and the United States.


The term was also used in England and Wales for lawyers who practised in the common law courts. In 1873, however, attorneys were redesignated solicitors (which had always been the title for those lawyers who practised in the courts of equity). Attorneys did not generally actually appear as advocates in the higher courts, a role reserved (as it still generally is) for barristers.

The savings and loan crisis

The savings and loan crisis

The savings and loan crisis of the 1980s and 1990s (commonly referred to as the S&L crisis) was the failure of 747 savings and loan associations (S&Ls aka thrifts). A Savings and Loan is a financial institution in the United States that accepts savings deposits and makes mortgage, car and other personal loans to individual members. The ultimate cost of the crisis is estimated to have totaled around $160.1 billion, about $124.6 billion of which was directly paid for by the US government—that is, the US taxpayer, either directly or through charges on their savings and loan accounts[1]—which contributed to the large budget deficits of the early 1990s.

The concomitant slowdown in the finance industry and the real estate market may have been a contributing cause of the 1990–1991 economic recession. Between 1986 and 1991, the number of new homes constructed per year dropped from 1.8 million to 1 million, which was at the time the lowest rate since World War II. [2]

for more info please visit this web site :
Savings and loan crisis - Wikipedia, the free encyclopedia


Best Luck

Islamic mortgages

Islamic mortgages


Main article: Islamic economic jurisprudence
The Sharia law of Islam prohibits the payment or receipt of interest, which means that practising Muslims cannot use conventional mortgages. However, real estate is far too expensive for most people to buy outright using cash: Islamic mortgages solve this problem by having the property change hands twice. In one variation, the bank will buy the house outright and then act as a landlord. The homebuyer, in addition to paying rent, will pay a contribution towards the purchase of the property. When the last payment is made, the property changes hands.[citation needed]
Typically, this may lead to a higher final price for the buyers. This is because in some countries (such as the United Kingdom and India) there is a Stamp Duty which is a tax charged by the government on a change of ownership. Because ownership changes twice in an Islamic mortgage, a stamp tax may be charged twice. Many other jurisdictions have similar transaction taxes on change of ownership which may be levied. In the United Kingdom, the dual application of Stamp Duty in such transactions was removed in the Finance Act 2003 in order to facilitate Islamic mortgages.
An alternative scheme involves the bank reselling the property according to an installment plan, at a price higher than the original price.
Both of these methods compensate the lender as if they were charging interest, but the loans are structured in a way that in name they are not, and the lender shares the financial risks involved in the transaction with the homebuyer.[citation

الاثنين، 18 يناير 2010

Insurance

A wrecked vehicle Types of insurance Home insurance Business insurance Saving Loans Loan crisis Mesothelioma Attorneys Loans Endowment attorney Lawyers School Loans Insurance Www Free Google Hotle Credit Mortgage Car Travel Mesothelioma Lawyers Lawyer Michigan Injury LawyerBeverly Hills Breast Augmentation Donate Car Los Angele Car Donations Sacramento Surrendering Endowment Policies Donate Car California Student Loan Debt Consolidation

Types of insurance
Any risk that can be quantified can potentially be insured. Specific kinds of risk that may give rise to claims are known as "perils". An insurance policy will set out in detail which perils are covered by the policy and which are not. Below are (non-exhaustive) lists of the many different types of insurance that exist. A single policy may cover risks in one or more of the categories set out below. For example, auto insurance would typically cover both property risk (covering the risk of theft or damage to the car) and liability risk (covering legal claims from causing an accident).

Home insurance" homeowner insurance policy in the U.S. typically includes property insurance covering damage to the home and the owner's belongings, liability insurance covering certain legal claims against the owner, and even a small amount of coverage for medical expenses of guests who are injured on the owner's property.


Business insurance

Business insurance can be any kind of insurance that protects businesses against risks. Some principal subtypes of business insurance are (a) the various kinds of professional liability insurance, also called professional indemnity insurance, which are discussed below under that name; and (b) the business owner's policy (BOP), which bundles into one policy many of the kinds of coverage that a business owner needs, in a way analogous to how homeowners insurance bundles the coverages that a homeowner needs


A wrecked vehicle

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

الاثنين، 11 يناير 2010

The savings and loan crisis

Saving Loans Loan crisis Mesothelioma Attorneys Loans Endowment attorney Lawyers School Loans Insurance Www Free Google Hotle Credit Mortgage Car Travel Mesothelioma Lawyers Lawyer Michigan Injury LawyerBeverly Hills Breast Augmentation Donate Car Los Angele Car Donations Sacramento Surrendering Endowment Policies Donate Car California Student Loan Debt Consolidation


The savings and loan crisis of the 1980s and 1990s (commonly referred to as the S&L crisis) was the failure of 747 savings and loan associations (S&Ls aka thrifts). A Savings and Loan is a financial institution in the United States that accepts savings deposits and makes mortgage, car and other personal loans to individual members. The ultimate cost of the crisis is estimated to have totaled around $160.1 billion, about $124.6 billion of which was directly paid for by the US government—that is, the US taxpayer, either directly or through charges on their savings and loan accounts[1]—which contributed to the large budget deficits of the early 1990s.

The concomitant slowdown in the finance industry and the real estate market may have been a contributing cause of the 1990–1991 economic recession. Between 1986 and 1991, the number of new homes constructed per year dropped from 1.8 million to 1 million, which was at the time the lowest rate since World War II. [2]

for more info please visit this web site :
http://en.wikipedia.org/wiki/Savings_and_loan_crisis


Best Luck

Attorney at law

Mesothelioma Attorneys Loans Endowment attorney Lawyers School Loans Insurance Www Free Google Hotle Credit Mortgage Car Travel Mesothelioma Lawyers Lawyer Michigan Injury LawyerBeverly Hills Breast Augmentation Donate Car Los Angele Car Donations Sacramento Surrendering Endowment Policies Donate Car California Student Loan Debt Consolidation


Attorney at law or attorney-at-law, usually shortened in everyday speech to attorney, is the official name for a lawyer in certain countries, including Japan, Sri Lanka and the United States.


The term was also used in England and Wales for lawyers who practised in the common law courts. In 1873, however, attorneys were redesignated solicitors (which had always been the title for those lawyers who practised in the courts of equity). Attorneys did not generally actually appear as advocates in the higher courts, a role reserved (as it still generally is) for barristers.

Retrieved from http://en.wikipedia.org/wiki/Attorney_at_law


best wishes

الأربعاء، 6 يناير 2010

Mesothelioma Attorneys Loans Endowment

Mesothelioma Attorneys Loans Endowment attorney Lawyers School Loans Insurance Www Free Google Hotle Credit Mortgage Car Travel Mesothelioma Lawyers Lawyer Michigan Injury LawyerBeverly Hills Breast Augmentation Donate Car Los Angele Car Donations Sacramento Surrendering Endowment Policies Donate Car California Student Loan Debt Consolidation

In most common law jurisdictions, the attorney general, or attorney-general, is the main legal advisor to the government, and in some jurisdictions he or she may in addition have executive responsibility for law enforcement or responsibility for public prosecutions.


A mortgage is the transfer of an interest in property (or the equivalent in law - a charge) to a lender as a security for a debt - usually a loan of money. While a mortgage in itself is not a debt, it is the lender's security for a debt. It is a transfer of an interest in land (or the equivalent) from the owner to the mortgage lender, on the condition that this interest will be returned to the owner when the terms of the mortgage have been satisfied or performed. In other words, the mortgage is a security for the loan that the lender makes to the borrower.

A financial endowment is a transfer of money or property donated to an institution, usually with the stipulation that it be invested, and the principal remain intact in perpetuity or for a defined time period. This allows for the donation to have an impact over a longer period of time than if it were spent all at once. The total value of an institution's investments is referred to as the institution's endowment.

A loan is a type of debt. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower.

In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time. Typically, the money is paid back in regular installments, or partial repayments; in an annuity, each installment is the same amount. The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent.

Breast Augmentation - Beverly Hills, Los Angeles

During your consultation at Rodeo Drive Plastic Surgery, your plastic surgeon will examine you and discuss recommendations for implant and incision placement to yield the best results. We perform breast augmentation using both saline and silicone implants. The procedure is usually done as an outpatient, under general anesthesia administered by a physician anesthesiologist to minimize discomfort during the procedure. Most patients have very little pain following the surgery as well because long-acting local anesthetic is administered as part of the procedure. Most patients return to work about a week after surgery. There may be some bruising for a week or so and some swelling for a few weeks following surgery. Read more about breast augmentation.

for more info visit this website
http://www.rodeodriveplasticsurgery.com/proced-breast.html


Mesothelioma is a form of cancer that is almost always caused by exposure to asbestos. In this disease, malignant cells develop in the mesothelium, a protective lining that covers most of the body's internal organs. Its most common site is the pleura (outer lining of the lungs and internal chest wall), but it may also occur in the peritoneum (the lining of the abdominal cavity), the heart,[1] the pericardium (a sac that surrounds the heart) or tunica vaginalis.


Google is an American public corporation specializing in Internet search. It also generates profits from advertising bought on its similarly free-to-user e-mail, online mapping, office productivity, social networking and video-sharing services. Advert-free versions are available via paid subscription. Google has more recently developed an open source web browser and a mobile phone operating system. Its headquarters, often referred to as the Googleplex, is located in Mountain View, California. As of March 31, 2009 (2009 -03-31)[update], the company had 19,786 full-time employees. It runs thousands of servers across the world, processing millions of search requests each day and about one petabyte of user-generated data each hour.

Car is a wheeled motor vehicle used for transporting passengers, which also carries its own engine or motor. Most definitions of the term specify that automobiles are designed to run primarily on roads, to have seating for one to eight people, to typically have four wheels, and to be constructed principally for the transport of people rather than goods.[1] However, the term automobile is far from precise, because there are many types of vehicles that do similar tasks.

The World Wide Web, abbreviated as WWW and W3 and commonly known as The Web, is a system of interlinked hypertext documents contained on the Internet. With a web browser, one can view web pages that may contain text, images, videos, and other multimedia and navigate between them using hyperlinks. Using concepts from earlier hypertext systems, English physicist Sir Tim Berners-Lee, now the Director of the World Wide Web Consortium, wrote a proposal in March 1989 for what would eventually become the World Wide Web.[1] He was later joined by Belgian computer scientist Robert Cailliau while both were working at CERN in Geneva, Switzerland. In 1990, they proposed using "HyperText [...] to link and access information of various kinds as a web of nodes in which the user can browse at will", and released that web in December.



Good Luck

Mesothelioma Lawsuits

Mesothelioma Lawsuits
Mesothelioma lawsuits require Mesothelioma attorneys experienced in this special type of case. Mesothelioma attorneys are ready and available to assist you with your mesothelioma lawsuit claim. If you have ever been exposed to asbestos and have been diagnosed with mesothelioma, you may be eligible for a mesothelioma lawsuit claim. Contact a LawInfo Lead Counsel qualified mesothelioma attorney today.

As the U.S. Senate considers a bill to protect companies from lawsuits brought by hundreds of thousands of Americans harmed by asbestos, the first-ever analysis of federal mortality records finds that 10,000 Americans die each year from asbestos exposure, and projects that up to ten times that many will die in the next decade.

Although many Americans believe that asbestos has already been banned and its victims have been compensated by the courts, the EWG Action Fund study reports that 30 million pounds of asbestos are used in the U.S. each year, lists dozens of widely-used consumer products that still contain it, and says more than one million workers are exposed every year. Are you one of them?

In 1991, the U.S. Fifth Circuit Court of Appeals overturned what was commonly known as the "Asbestos Ban and Phaseout Rule of 1989." Consequently, scores of asbestos products remain on the market today. The 2001 Mineral Commodity Summary for Asbestos from the U.S. Geological Survey (USGS) reported 61% of the asbestos used in the United States (in 2000) was in roofing products, 19% in friction products, 13% in gaskets, and 7% was classified as "other."

Despite the court's actions, a short list of products still remain banned under the Toxic Substances Control Act (TSCA) and the Clean Air Act. These include: corrugated paper, rollboard, commercial paper, specialty paper, flooring felt, sprayed-on materials containing more than one percent asbestos, and all new asbestos applications are banned.

Mesothelioma Attorneys
Because Mesothelioma is a rare form of cancer that can take up to 20 years to develop, Mesothelioma attorneys need specific training and experience when seeking compensation for clients. Mesothelioma attorneys have a specific team of medical professionals who interpret health records and testing documentation to prove the specific correlation between a patient's side-effects and the Mesothelioma diagnosis.

Once the illness has been properly identified, Mesothelima attorneys must prove that the cause of the illness is the particular exposure to the toxic chemical, at a duration and amount significant enough to cause the health-related symtoms. Often it can take up to 50 years for a person to show the type of dehabilitation necessary for Mesothelioma attorneys to obtain compensation.

Not everyone who works with or was exposed to asbestos can prove that they have suffered injuries related to asbestos contamination. With years of prosecuting the cases that have bankrupted hundreds of asbestos companies, Mesothelioma attorneys have intimate knowledge of the specific evidence necessary to prove the direct correlation between absestos and asbestos-related illnesses such as Mesothelioma and lung cancer. Most recently, WR Grace & Co and its seven executives were charged in conspiring to hide asbestos contamination at a mine in Libby, Montana, which prosecutors claim was responsible for the illnesses of 1200 people resulting in 200 deaths.

Mesothelioma Lawyers
Many Mesothelioma attorneys have asbestos cases based on the contamination of vermiculite, a hydrous silicate mineral, shipped by WR Grace to about 240 plants across the country. Federal authorities in 22 states are investigating 28 plants stretching across from North Dakota to Florida and Massachusetts to California, including one plant in Hawaii.

As Mesothelioma attorneys continue to prove the correlation between clients' illnesses and asbestos contimination, legislators struggle to approve a bill that will provide enough compensation for all victims who worked at mining plants and all neighboring residents who were exposed to the toxic chemicals. Currently legislators are having trouble determining how the funding will ensure compensation for victims who will continue to develop asbestos-related illnesses for years to come. The bill has yet to be approved.