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If we have helped or entertained you with our website; help promote us by posting a link to one of our pages. All these expenses listed are just the basics of what you should budget for if you are planning to live alone in the UK. It is very important not to move out until you have worked out the monthly cost for all these things.
Timothy Jay Rolle, General Manager of A Cleaner World, has worked for ACW for 12 years and manages a drycleaningA plant in Apex, as well as three drop stores in Chapel Hill. In other words, provide the consumer information necessary to evaluate their care options prior to purchase and provide the consumer and cleaner with a method of cleaning that has proven to be successful.
Were it not for DLI and its predecessor organizations a€“ IFI, NID, AIL a€“ the EPA would have outlawed the use of Perc many years ago before there were viable alternatives and OSHA would have established a PEL for Perc that was unattainable without replacing existing equipment. Were it not for NCALC, the private laundry and drycleaning industry in North Carolina would have been destroyed by competition from the NC Prison Enterprises Laundries, in the early 1970s and 1990s, utilizing prison labor and facilities (i.e.
Were it not for NCALC, you would not have the protection of the best-funded and reasonably-priced drycleaning solvent cleanup program in the country. Your national and state associations, DLI and NCALC, are in many ways like your insurance policies. If youa€™ve never been a member, we need you to join, If youa€™ve let your membership lapse, we need you to rejoin now. Beginning with this issue of Carolina Clean, we welcomeA A a new Associate Member of NCALC and a new column to our newsletter. He also served as an expert witness on behalf of facility operators at sites impacted by industrial activities and to promote technical and litigation support services. Since EnviroForensics & Policy Find (they locate old insurance policies) is located in Indiana and works primarily in states that do not have a state-led cleanup program, some of the issues discussed in the articles may not directly apply in North Carolina.
At the annual conference of TCATA [National Allied Trades Association] in Park City, Utah, in August, KEVIN LAWSON, Tri-State Laundry Equipment Company, was elected to serve a second two-year term on the Board of Directors.
Congratulations to GRANDPA JIM HILKER on the birth of twin girls to his daughter Kristen on September 9th. He had been told by his attorney to look for that part of the policy that addressed damage to the property of others.
His attorney had explained that in his state, as in most states, it took policies issued before 1986 to pay for environmental investigations. Digging around in the attic, he succeeded in finding one collection of old policies, but these policies dated only to the late 1990a€™s.
Working backwards from the earliest insurance policy, the insurance archeologist was able to discover that another insurance agency had purchased the defunct agencya€™s book of business prior to closing. The insurance archeologist provided a specimen policy issued by the same insurance carrier to a different dry cleaner in his state from the 1985 policy period. Using the premium notices and specimen policy together, the drycleanera€™s attorney was able to file a claim with the insurance company.
David Oa€™Neill has more than 17 years of experience in claims recovery on behalf of corporate policyholders involving environmental property dam age and toxic tort and asbestos exposure claims. I recall he said, now when you get to the hotel, go to the bar and look for the tall, gray-haired guy with the big hat.
All the above were listed along with Education & Training, Technical Assistance, Trade Shows, and Friendships.
This site copyright ©2016 The Trustees of Columbia University in the City of New York, for its National Center for Children in Poverty (NCCP). If you are planning on moving out you should be prepared to spend the majority of your pay checks on just living, unless you are on a good salary. Some may not apply for example some rented properties may not have to pay for their water utility bill. Once you have worked them all out add them all up and subtract the total from the money you take home after tax each month. If you do this then you will never get caught out and will always have enough money to pay the bills. Timothy has all three DLI certifications and achieved the Certified Garment Care Professional Designation, CGCP. NOTE: They are not required to run any tests on the garment to verify this belief and there is no specific penalty if they are wrong. But manufacturers and importers dona€™t like it because testing the serviceability of a product adds to the cost of production, the price of the item. Although there are 25,000 to 30,000 of us out there, we only have strength when we speak with one voice through our state and national associations.
In both cases, these decisions would have been based on faulty information and assumptions. If you needA A to pay monthly, quarterly or semi-annually instead of annually, that can be arranged. The DLI Board is required to study the dues annually and have requested this increase due to increased costs of operations and their decision to not have an increase last year.A A Although some viewed the increase as necessary due to inflationary factors, others felt it untimely because of economic constraints. However, your Representatives at the Joint States meeting in November will definitely voice the concerns of all! He explained that he had no idea before visiting an attorney that these old expired insurance policies could be of any use to him. The landlord, a strip mall owner, had been refinancing and the bank required that he conduct a simple environmental audit that had included soil sampling. The law in his state required that a€?the pollutera€? remove the pollution or at least reimburse the landlord if he had to have it done.
This was because the later policies contained pollution exclusions that the courts in his state recognized as barring coverage for Perc spills.
Telephoning the insurance agent identified on the policies, the dry cleaner found that that insurance agency was no longer in business. Contacting that insurance agency, the archeologist found that old policy files no longer existed, but that the agent would permit him to review his old accounting files. This policy had a pollution exclusion on it but that exclusion, the attorney advised, was not a bar to coverage as longA A as the Pere releases had not been intentional, and had been sudden and accidental.


The company stepped in to defend the dry cleaner, paid his attorney fees and paid the landlorda€™s environmental experts. He is an accomplished insurance archeologist with extensive experience in locating and retrieving insurance coverage evidence on behalf of potentially responsible parties responding to environmental investigation and remediation demands.
It is said that power corrupts, but more often than not, it is a corrupted individual who is attracted to power.A A It is a feeling of inferiority, sometimes called a Napoleon Complex, that drives someone to control other people and to micro-manage their surroundings. In reality, the child care needs of families with two working parents vary significantly based on parents’ work patterns. Basic Needs Budgets assume that school-aged children (ages 6 through 12) need about half the amount of care needed by preschool-aged children, while children over age 12 do not need child care. Parents with younger children are likely to be younger themselves and thus earn less than parents with older children.
Beyond being the great equalizer, the dinner table is a place to break bread with those you love, make a few jokes have better things to do. Remember you will need some money to spend on yourself each month or you will lead a miserable life. Living alone in the UK can be expensive but if you are careful with your money you could save yourself a lot of stress. Care labels like a€?Dryclean Onlya€? or a€?Professionally Drycleana€? drive customers to our stores. Manufacturers and importers love the current rule because it allows them to promote home care (cost savings) although it may not produce the best result (drycleaning vs. And penalties for mislabeling or failure to verify the care method prescribed would decrease profits. Their proposal in the early 1990s was to provide personal laundry and drycleaning services to all state and county employees a€“ teachers, law enforcement, health department, legislators, etc, etc a€“ at a price we could not have competed with. Unlike insurance policies that dona€™t protect you unless you pay the premiums, your national and state associations do their best to protect you whether you support them financially or not. But this is not the time to abandon the mother shipA A your state and national associations. Henshaw holds a professional registration in numerous states, serves as a client and technology manager on projects associated with site characterization, remedial design, remedial implementation and operation, and litigation support and insurance coverage matters. Paying the landlorda€™s environmental experts was likely to be too great for the dry cleaner to handle. Despairing, he reported his lack of success to the attorney, prepared to discuss bankruptcy instead of insurance recovery.
Sto and several more hanging out at the bar made Jan and I feel welcome and included in the activities.
Are you driven to share your gift of understanding in the endeavor of achieving a goal, or are you motivated by perquisites of position and the power you have over others? Department of Health and Human Services and used for benefit eligibility determinations and other administrative purposes. Current Population Survey, Annual Social and Economic Supplements, March 2008 representing data for calendar year 2007. Basic Needs Budgets assume that in families with two employed parents, parents’ work schedules overlap.
It is a good idea to work out all the costs of everything you will be paying for when moving out. We, like you, are working longer and harder with less staff and resources, wearing multiple hats and struggling to do more with less to help and support our members. Parts of the policy provided coverage against damage to his building, against break-ins, storm damage and even workers compensation coverage. Rather, it was the part of the policy that covered his customers (the slip and fall coverage) that he was looking for. It was a new role he was going to have to get used to, however before this nightmare would be over. After years of operating a successful business, he had significant savings, but these ongoing costs could deplete that savings account in no time.
From the halls of the United Nations to the classrooms of major universities and in the pressrooms of major newspapers and magazines, attacks on the legitimacy of every move by Israel -- and even of the state's existence itself -- continue to be made.A What lies behind the calumnies and canards that are constantly thrown at the one Jewish state on the planet? The Erosion of Employer-Sponsored Health Insurance: Declines Continue for the Seventh Year.
Family child care needs are estimated based on the work hours of the parent who works the fewest hours. Money makes money, if you dona€™t have any spare money each month it will take a very long time to change your living circumstances.
We need your support now, more than ever, to continue to do for you what you cannot do for yourself alone.
His attorney had told him that that part of the old package policies could provide him the coverage he needed now to address the environmental contamination of his property from perchloroethylene (Perc) spills below ground that had occurred years earlier. The cleanup would be expensive and the drycleaner was expected to take care of the bill because he was the one who had inadvertently put the Perc into the soil over the many years of his operation there. He may even need to consider bankruptcy unless he could find those insurance policies issued before 1986, and successfully file claims that would require his insurers to step in and defend him. He suggested that the dry cleaner hire an insurance archeologist to see what insurance might be located elsewhere. In the Arab and Islamic world, the notion that any portion of the Middle East could be placed under Jewish sovereignty is anathema. New York, NY: National Center for Children in Poverty, Columbia University, Mailman School of Public Health.
Ask your attorney about how insurance archeology can help you locate the records you need to defend against environmental claims. Elsewhere, some of the brickbats thrown Israel's way stem from prejudice and hatred rooted in classic anti-Semitism.A But what about the American press, much of which is Jewish, and other American opinion-makers for whom the anti-Semitic tag doesn't really apply? Improving Work Supports: Closing the Financial Gap for Low-Wage Workers and Their Families. The reasons for much of the slanted commentaries about the Middle East and biased news coverage has less to do with the ancient hatreds based in Europe than it does with sheer ignorance.A For all too many members of the press (as well as other Americans who like to think of themselves as being informed about the great issues of the day), lack of knowledge about the underlying facts of the Middle East conflict is commonplace.


Myths about the State of Israel, its origins and its actions have found their way into general discourse in the academy and the media. Those who seek to stand up for Israel need to recognize that many of the problems that Israel has in getting its case across stem from a failure to debunk these myths and to answer them with the truth.A So here is a list of the top ten myths about Israel and the Middle East conflict.
But far from being outsiders there, the Jewish ties date back 4,000 years to the very beginning of Jewish history recounted in the Bible and verified by much of the evidence of archeology that has been discovered.A Though the Romans expelled most of the Jewish population from the country, Jewish settlement continued without interruption throughout the last 2,000 years. King David made Jerusalem the capital of Israel 3,000 years ago -- 1,700 years before Islam was even founded. The entire city is sacred to Jews; only the Dome of the Rock has religious significance to Muslims. In 1922, the League of Nations' Mandate for Palestine was partitioned by Britain, with the east bank of the Jordan River reserved for Arab rule (it eventually become the Kingdom of Jordan), and the area between the Mediterranean and the Jordan being designated as the Jewish National Home.
Dating back to the 1930s, every subsequent peace plan that has been proposed involved some sort of partition of the Western portion of Palestine. A In 1947, the United Nations approved the partition of Palestine between a Jewish state and an Arab state.
The response of the Palestinian Arabs, as well as the rest of the Arab and Muslim world, was a categorical rejection of any scheme that allowed a Jewish state on any part of the land, no matter what its borders might be. No effort was made to set up an independent Arab state in the part of Palestine allotted for that purpose. In the aftermath of Israel's War of Independence, in which it repelled the invasion by five Arab armies, the West Bank, Gaza and half of Jerusalem, were left in Arab hands.
But for the next 19 years when these territories remained under Arab control, there was never any consideration given to creating an Arab state there. Only in the case of Palestinians who fled their home during the course of Israel's War of Independence, was there a failure to re-settle the refugees.
The Palestinian refugees, whose exit from the country was caused more by a general fear of the war sweeping over the land than by any action on the part of the Israelis, were the only refugees who were kept in camps and not allowed to integrate into the populations of the Arab countries that received them.
They were kept homeless as a means of maintaining the illusion that the creation of Israel could be undone. Subsequent generations of this population have been raised in these camps and inculcated in an irredentist ideology whose premise is the rejection of any Jewish state. Egypt demanded, and got, the UN peacekeeping force that separated their army from Israel in the Sinai, to withdraw. Egyptian dictator Gamal Abdul Nasser and other Arab leaders told their peoples that they would soon launch a battle of annihilation that would result in Israel's destruction. When international diplomacy failed to get the Arabs to back down, Israel decided that it would not wait to be attacked and launched a defensive war to forestall the Arab assault.A After the war ended in a sweeping Israeli victory, Israel stated its willingness to make peace, but an Arab summit conference a month later answered with three no's. This territory was never part of any other sovereign state and its final legal status is subject to negotiations that must be concluded between the competing parties.
However, the result of years of negotiations and various Israeli withdrawals has not been peace.
From the start of Palestinian Authority rule in the West Bank and Gaza in 1994, Palestinian leadership has encouraged terrorism against Israel and fomented hatred against the Jewish state -- while "peace education" is promulgated in Israeli schools.
Throughout the 1990s as Israel signed several agreements that gave the Palestinians more autonomy, the corrupt PA leadership continued to tolerate and even fund terror groups.
In 2000, Yasser Arafat refused Israel's offer of a Palestinian state in virtually all of the West Bank and Gaza as well as part of Jerusalem -- and launched the terror offensive known as the Second Intifada.A Though all Israeli governments have, at times, been forced to reply with force to terrorist attacks from Gaza, Lebanon and the West Bank, all have stated a willingness to negotiate a peace. Today the Palestinians are split between the Palestinian Authority led by Mahmoud Abbas which is too weak to make peace and Hamas, the rulers of Gaza, who reject it under any circumstances. The rivalry between the two great Muslim religious strains, Shia and Sunni, has been the source of more wars and more bloodshed than any battle between Arabs and Jews. Similarly, the tensions between Persians (modern day Iran with its Islamist rulers and nuclear ambitions) and Arabs is another perennial conflict that predates the renewal of Jewish sovereignty in the region.A Even more to the point, the conflict between radical Islamists who seek to impose their religious and political views on the rest of the Muslim world, and those who oppose them in Iraq, Afghanistan and elsewhere, has nothing to do with Israel or the Palestinians.
The clash of civilizations between Islam and the West was the cause of wars between European nations and Muslim countries for centuries with no Jewish involvement.
Sympathy for the idea of a renewed Jewish state is rooted in the faith of most Americans, as well as in their belief that the persecuted Jewish people were entitled to find a new life in their old home. From the very beginnings of the Zionist movement, it found both a welcome and support from large numbers of Americans. In the aftermath of the Holocaust that support became even greater.A Today, the overwhelming majority of Americans of all faiths and both major political parties see Israel as a friend and an ally. They need no prodding from a Jewish lobby to understand that the alliance with the Jewish state is based on common values and a shared belief in democracy.
While Israel's supporters in Washington are vocal and proud of it, their financial clout is dwarfed by that of an oil industry and other factions with a vested interest in appeasing Arab dictators and monarchs. Tobin is executive editor of Commentary magazine, the premier monthly journal of opinion, ideas and literature. IMPORTANT NOTICE LITTLE BLOOMS CHILDREN`S ORPHANAGE INDIA MY INDIA MISSIONS TRIP APOSTOLIC BIBLICAL THEOLOGICAL SEMINARY NEW DELHI INDIA NAZARENE ISRAELITE ???
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From the halls of the United Nations to the classrooms of major universities and in the pressrooms of major newspapers and magazines, attacks on the legitimacy of every move by Israel -- and even of the state's existence itself -- continue to be made.A What lies behind the calumnies and canards that are constantly thrown at the one Jewish state on the planet?
In 1922, the League of Nations' Mandate for Palestine was partitioned by Britain, with the east bank of the Jordan River reserved for Arab rule (it eventually become the Kingdom of Jordan), and the area between the Mediterranean and the Jordan being designated as the Jewish National Home.
In the aftermath of Israel's War of Independence, in which it repelled the invasion by five Arab armies, the West Bank, Gaza and half of Jerusalem, were left in Arab hands.
Only in the case of Palestinians who fled their home during the course of Israel's War of Independence, was there a failure to re-settle the refugees. Egyptian dictator Gamal Abdul Nasser and other Arab leaders told their peoples that they would soon launch a battle of annihilation that would result in Israel's destruction. While Israel's supporters in Washington are vocal and proud of it, their financial clout is dwarfed by that of an oil industry and other factions with a vested interest in appeasing Arab dictators and monarchs.



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