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The third annual Puchon International Student Animation Festival (PISAF2001) will be held at Boksagol Culture Center from November 10 to 14,[link widoczny dla zalogowanych], under the theme of ��New Generation,[link widoczny dla zalogowanych], New Trend,[link widoczny dla zalogowanych], New Creativity.�� ��The Sexual Life of Fireflies,[link widoczny dla zalogowanych],�� by Paul Todd of Hungary and domestic animation ��Run=Dim�� by Digital Dream Studio have been selected as opening pieces.
��Kiki��s Delivery Service,[link widoczny dla zalogowanych],�� a 1998 work of Japanese director Miyazaki Hayao,[link widoczny dla zalogowanych], who is famous for ��My Neighbor Totoro,[link widoczny dla zalogowanych],�� has been invited as a part of the rare selections,[link widoczny dla zalogowanych], and some 40 student pieces,[link widoczny dla zalogowanych], picked from 151 works by students from 12 countries,[link widoczny dla zalogowanych], will compete in the main category.
For more information,[link widoczny dla zalogowanych], call PISAF office at 325-2061~2.
(Lee Wi-jae,[link widoczny dla zalogowanych], [link widoczny dla zalogowanych])
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The first day featured presentations on job training and university education. Discussion sessions were also held between participants and their parents and the video of the Little People of America was shown.

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Three of the top steel firms in western Europe are planning a merger to form the world��s largest steel manufacturer soon,[link widoczny dla zalogowanych], according to the wire reports Monday. Usinor of France,[link widoczny dla zalogowanych], Arbed of Luxembourg and Aceralia of Spain will consolidate and have a combined annual output capacity of 45 million tons and employ about 100,[link widoczny dla zalogowanych],000 workers,[link widoczny dla zalogowanych], compared with Korea's Pohang Iron & Steel (POSCO),[link widoczny dla zalogowanych], which is currently the global leader with yearly production of 26.5 million tons,[link widoczny dla zalogowanych], and Japan's Nippon Steel,[link widoczny dla zalogowanych], which has an annual output of 25.2 million tons. Wire reports say that Usinor will have a 50% stake in the merged firm,[link widoczny dla zalogowanych], while Aceralia and Arbed will have 24% and 15% stakes respectively.
(Kim Sung-yong,[link widoczny dla zalogowanych], [link widoczny dla zalogowanych])
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The first day featured presentations on job training and university education. Discussion sessions were also held between participants and their parents and the video of the Little People of America was shown.

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An update to the policy makes economic sense, because allowing more couples to have a second child could stem potential labor shortages in the future.
In last week’s media reports, the policy update would first be implemented in Heilongjiang and Zhejiang provinces and later in Beijing and Shanghai.

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The government has formulated extensive plans that will make the cost of care in Delaware easier on the pockets of Delawareans. When these plans shall be implemented is for everybody to see. While it has yet to happen, it is every resident’s responsibility to come up with his own personal LTC plan.
Unfortunately, it’s the informal caregivers who suffer afterwards once the people they are taking care of have long gone and left this world.
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Are you a resident of Delaware? If so,[link widoczny dla zalogowanych], you are presumably armed with a long term care insurance (LTCI) policy because Delaware long term care is far from affordable and you’ll probably agree to this.
Instead of analyzing the cost of Delaware long term care you can start looking into different LTCI policies. By the way, don’t skimp on the inflation protection as this will serve as your policy’s fuel to keep your benefits at pace with the country’s unreasonable cost of care.
Now if you don’t have an LTCI policy yet or any form of long term care (LTC) plan for that matter,[link widoczny dla zalogowanych], you better start working out something. Perhaps you can try reverse mortgage, life insurance with LTCI rider,[link widoczny dla zalogowanych], annuities,[link widoczny dla zalogowanych], or anything that will shoulder your LTC expenses in the future as the cost of care is expected to increase twofold in 2025 and fourfold subsequently in 2030.
Right now, the average annual cost of a nursing home in Delaware is already disturbing so what more if it soars higher? For a private room,[link widoczny dla zalogowanych], you have to pay out $241 daily or $89,972 annually. Meanwhile a semi-private room’s price tag screams $83,[link widoczny dla zalogowanych],950.
Besides,[link widoczny dla zalogowanych], moving to another state just to escape the cost of care in Delaware is not reasonable as you are still bound to taste expensive long term care elsewhere.
According to a 2010 data of uninsured residents in Delaware,[link widoczny dla zalogowanych], 80% of these individuals are above the poverty level and most of them are men. This proves one more that more men are complacent when it comes to their health care needs because they know that their wives and children will take care of them should anything happen to them.
Assisted living facilities in the state are rising the fastest and the truth of the matter is, Delaware has surpassed neighboring state New York, which is considered the most expensive state for LTC in the mid-Atlantic.
There is only one sure-fire way to beat the cost of care in Delaware and that is through an individual LTC plan. It may be in the form of an LTCI policy,[link widoczny dla zalogowanych], reverse mortgage, annuities,[link widoczny dla zalogowanych], or what have you. What matters is that you have a concrete plan, otherwise you can start throwing your goals and aspirations one by one into the air.
Delaware families who have loved ones in assisted living facilities spend $4,646 every month or $55,506 yearly. Most of them had to sell some of their possessions or properties in order to be able to put up the aggregate annual fee of an assisted living facility.
It is not only Delaware that has expensive LTC facilities and services. Practically every U.S state offers expensive LTC except for those in the South which are comparatively lower,[link widoczny dla zalogowanych].
Beating Delaware Long Term Care Costs
By Sanders Mach
See all Articles by Sanders MachGet Updates on InsuranceGet Updates on Sanders Mach Average: 0 Your rating: None Tweet
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Also attending will be Professor of English and Creative Writing at the University of California, poet Gary Snyder, a Pulitzer Prize for Poetry winner in 1974, and English novelist Margaret Drabble.

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Parents no longer have to travel long distances to see their sons who are performing their army service wit the Ministry of National Defense (MND) announcing Friday a plan to install 4,[link widoczny dla zalogowanych],212 personal computers for 'tele-visiting' at 2,[link widoczny dla zalogowanych],106 army units around the nation. The MND will also establish 770 tele-visiting centers by providing an additional 1,[link widoczny dla zalogowanych],540 computers to 2,[link widoczny dla zalogowanych],876 military units whose size is bigger than a battalion. The computers for tele-visiting are equipped with small cameras,[link widoczny dla zalogowanych], so that parents can talk to and see their sons on screen. Parents can apply for the service on the website [link widoczny dla zalogowanych] which is run jointly by the MND and Pamcomnet. Pamcomnet will charge the users W88 won per minute. It also plans to provide additional service in a partnership with mobile communication companies which enables parents to check the telephone schedule on their mobile phones.
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Also attending will be Professor of English and Creative Writing at the University of California, poet Gary Snyder, a Pulitzer Prize for Poetry winner in 1974, and English novelist Margaret Drabble.

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March 26th,[link widoczny dla zalogowanych], Shandong province Tancheng County Traffic Police Brigade police on traffic safety knowledge to students. On the same day,[link widoczny dla zalogowanych], the Shandong province Tancheng County Traffic Police Brigade police organization to primary and secondary school students propaganda and education of traffic safety base,[link widoczny dla zalogowanych], carried out in order to "hand in hand,[link widoczny dla zalogowanych], the security of your mind" as the theme of the care for students of traffic safety publicity and education activities,[link widoczny dla zalogowanych], to further enhance students' legal consciousness of traffic safety and traffic civilization consciousness,[link widoczny dla zalogowanych], improve the traffic safety of self - protection ability. March 29th is the fifteenth "national safety education in primary and middle schools". (reporter Zhu Xu)
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Japanese news media reported Friday that Korea's five largest business conglomerates, Hyundai, Samsung, Daewoo, LG and SK, all plan to increase their paid-in capital by more than W15 trillion in total this year.

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By Aaron Garcia
See all Articles by Aaron GarciaGet Updates on Mortgage and Home FinancingGet Updates on Aaron Garcia Average: 2 Your rating: None Average: 2 (4 votes) Tweet
Buying your first home is an exciting event, and as someone who has recently bought a home,[link widoczny dla zalogowanych], I can tell you that it is more than worth all the time and effort that goes into it. But if you are anything like me, you might not know where to start. Do you start by finding a real estate agent? Do you start by getting approved for a loan? How do you know if you are getting a good deal? And lastly,[link widoczny dla zalogowanych], how much should you save?
Setting a Reasonable Budget
The first step for new home buyers is to understand your current budget. A big mistake that many people make when buying their first home is assuming that they will be making more money in the future and might be able to eventually handle a mortgage larger than they can afford now. Unfortunately, this will get you further into debt as you make more purchases on credit cards so you can meet your monthly mortgage payments. Once you come up with a figure you are comfortable devoting to a mortgage – usually around 25 – 30% of your monthly income, now you get to take a trip to visit the mortgage company.
Getting Approved for a Mortgage Loan
There are a handful of places you can go for a home loan – the credit union, your personal bank, or a home mortgage specialist. Your individual circumstances will define which avenue will be the best to get your home loan through, but I personally went through the credit union. Make an appointment with a mortgage lender to discuss your finances. You will fill out a couple of forms and they will run your credit. It is important that your finances have been stable for at least a few months before going in to get approved for a loan. This will hopefully allow you to get a better interest rate which will lower your monthly mortgage payment. Within a couple of days, you will get a call from the mortgage company letting you know what you are pre-approved for. This is an important figure because it will determine which houses you can actually put offers in for.
Contacting a Real Estate Agent
Now that you know what your price range is for your first home, you will need to find a real estate agent. I found that the best way to know that you are getting an honest agent is to go off of referrals. If you have friends or family who have bought homes recently in your area, ask them who their agent was and whether they thought that they were treated respectfully and fairly. As a first time home buyer, you are very vulnerable and you put a lot of faith and trust in your agent – it is important to know that you can count on them to provide straight answers.
Once you have chosen your real estate agent, they will ask you what your price range is and in what area you are looking to buy. Hopefully, by now you have done a little bit of research on the side and you have a good idea of what you want in a house and where you want it to be. After you provide your requirements to the agent, he or she should be able to come back with a list of potential homes that meet your needs. This is the first test of whether your agent is good or not – if they don’t do any of the legwork in finding homes that are within your parameters, it might be time to find someone who will. My real estate agent in Chandler,[link widoczny dla zalogowanych], AZ put together a portfolio of about 10 homes that were within my price range and within the area that I wanted to purchase. Then we took a drive to each and every one of them. The agent didn’t try to “sell” me on the home,[link widoczny dla zalogowanych], but actually listened to me as I talked about what I liked and didn’t like about the property.
Making an Informed Decision
After you have seen a handful of houses,[link widoczny dla zalogowanych], you will want to make a list of the pro’s and con’s of each. Another mistake that some people make when purchasing their first home is putting on blinders. They see a home that they want, and they overlook some of the things that are going to end up costing them in the long run. The kitchen might be laid out in a great way, but the appliances and counters are in bad shape. Do you really have the money to spend on kitchen cabinet remodeling? On the other hand, there are some things that you should not see as a deal breaker. For example, the first home I purchased had hideous wall paper in the living room,[link widoczny dla zalogowanych], but the layout of the house was something I liked. If I went off of the wall paper and color scheme alone, I could have passed up a great opportunity. Sit down with your husband or wife, and really be honest about what you can live with and what you don’t want to put up with. If you are in the market for a fixer-upper, don’t spend too much on your home since the cost of remodeling and repairs will bleed your savings dry. If you aren’t very handy or aren’t looking to remodel right away, don’t choose a home that will require extensive repairs or landscape work.
Reconsider your Budget One Last Time
One of the biggest costs aside from your mortgage will most certainly be the maintenance and upkeep of the home – something you didn’t have to worry much about when you were renting an apartment. Consider what your increase in bills will be by living in a home as opposed to an apartment. Depending on where you live, heating and cooling costs are sure to increase. That lawn may look great in the front yard, but do you have the money to keep it green all year long? Maybe it would be better, if you live in Arizona,[link widoczny dla zalogowanych], to install artificial or synthetic turf instead of a natural grass lawn. You will significantly reduce your water bill and time and maintenance costs by keeping it up.
Lastly,[link widoczny dla zalogowanych], you will need to continue saving for a down payment. Again,[link widoczny dla zalogowanych], the exact amount will depend not only on your mortgage company, but on the size of your savings account. Some first time home buyer loans only require a 5% down payment which tends to increase your monthly mortgage payments since the loan will be for a larger amount. Furthermore, you will be required to pay mortgage insurance until you have paid for 15% of the original value of the home which further increases your monthly mortgage costs. By considering the price of the home that you wish to purchase as well as the amount you are able to put down, you will know what you need to have saved when it comes time to sign the papers.
Making and Finalizing the Offer
Once you have found the house you wish to purchase, you will sit down with your agent and make an offer. Nobody ever buys a house for what the list price is unless they are desperate. As a first time home buyer,[link widoczny dla zalogowanych], don’t get tricked into thinking that you have to pay full list price. Make an offer that is a little bit lower than the asking price and wait for them to either accept your offer or come back with a counter offer. Once the offer is accepted, there are still a few very important steps that should be covered. These steps include a home inspection, a property appraisal & the signing of the documents. The home inspection and appraisal will determine if you are really getting a good value. Keep in mind, you have not signed the papers yet, so you can still negotiate through this process.
The home inspection takes place first and a qualified inspector that you and your real estate agent decide upon will look at all aspects of the house. It is important that you are involved in the process of choosing the home inspector so that you know he is looking at things from a stand point that will benefit you and not the seller of the home. His job is to make sure that the home is up to code by checking doors, hot water heaters,[link widoczny dla zalogowanych], electric wires, the roof, cracks in the foundation, termite inspections and a laundry list of other items. He will provide a full report which you and your agent will need to go over. If anything is not up to code, the house cannot be sold in that state and you will usually petition for the seller of the home to cover the costs of getting it fixed. For example, when I bought my home, one of the air conditioning lines was leaking and as a result, there was mold in the guest bedroom closet. The home inspector found this and we asked that the seller pay for the costs associated with repairing the A/C line as well as the removal of the mold and the rebuilding of the closet.
After the home inspection is completed, you will need to get the property appraised. If you have said that you are willing to buy the home for $200,000 dollars and the appraiser determines that the home is only worth $150,000 then you immediately know that something is wrong. In fact, in most states, you will not be able to purchase a house for more than it appraises for. The home appraiser will look at similar homes in the area that recently sold and compare those prices to the price being asked for your home. He considers property value, home size, and home amenities such as pools, garages, heating/cooling and roof type. Once the appraisal comes back and you are comfortable with the agreed upon price, you are now ready to sign the papers.
You will meet at the title agency which is usually selected by you and your real estate agent,[link widoczny dla zalogowanych]. Here you will need to bring the check for your down payment and sign all of the mortgage and deed documents that will officially transfer the home and the property into your name.
Congratulations! You have just purchased your first home! Enjoy all of the benefits that owning a new home can offer you.
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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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It really takes a lot of work when you entered the world of business. This includes working with a mentor, a persuasion mentor of course,[link widoczny dla zalogowanych], where you can share and ask some advice about your encounters.
The first technique is being willing to take experiments in different variations,[link widoczny dla zalogowanych].
If you want an expert in persuasion and an effective technique to boost your business just visit www,[link widoczny dla zalogowanych].MAXpersuasion.com and I guarantee your success,[link widoczny dla zalogowanych].
During your persuasion, don’t waste all your time by just talking to clients about what your product is. This is because you will never know where you will end up after your talking. It is very important that you observe also your client while you persuade them because you can find a lot of clues and signs that might be very helpful for you to determine if you are at the right path of getting your clients to say ‘YES’.
Your mentor should be an expert on persuasion because they can help you give some techniques during your interaction with your clients. This can certainly boost up your persuasive learning for sales,[link widoczny dla zalogowanych].
By Michael Bahian
See all Articles by stephanie stephanieGet Updates on Sales TrainingGet Updates on stephanie stephanie Average: 3 Your rating: None Average: 3 (2 votes) Tweet
Now, after you experimented with the techniques,[link widoczny dla zalogowanych], it’s time to learn to be observant of your clients.
When the first time you entered the world of business,[link widoczny dla zalogowanych], you will never expect that your sales will rise up in just a few days. It is not like that,[link widoczny dla zalogowanych], you have to take risk and take a lot of sacrifices if you really want to move forward and climb higher with your business.
I have here some simple technique that might be helpful for those first timers in the world of business,[link widoczny dla zalogowanych].
Of course I did not mean here an experiment in the laboratory. You need to experiment some techniques that might synchronize with your business. You need to know that there are no absolute perfect techniques that can perfectly improve your business. You can combine all the techniques you learned with your personality and mannerism. Sometimes this invented strategic persuasive technique might work because you are doing it naturally as you synchronize it with your personality.
A lot of sales person or businessmen spend a lot of money just to be trained on how they can boost up their sales and negotiations. Well of course it’s very obvious, they want to earn more.
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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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SMS platform is a tool that helps marketers start mobile advertising campaigns,[link widoczny dla zalogowanych], manage campaigns and make changes in the campaigns. The good thing about this tool is that it is very convenient to use and one needs to be an IT professional for using this tool. This tool is provided by SMS service provider and the service provider also helps in operating this tool. This tool handles two-way communication. It sends promotional messages and receives leads from the customers. This amazing tool provides real help to the small companies that want to promote their businesses without spending much money.
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By Adelwolf Mccurdy
See all Articles by Adelwolf MccurdyGet Updates on Marketing StrategyGet Updates on Adelwolf Mccurdy Average: 0 Your rating: None Tweet
Ad agencies that want to expand their business can hire SMS platform and take advantage of the popularity of mobile advertising. Every business looks for customers and the most cost effective way of reaching to your customers is using mobile advertising. Traditional forms of marketing are one-way communication where users can only see or read the advertisement. But mobile marketing provides users an opportunity to respond to the advertisement and know about the product or service advertised. Small businesses like service centers, retail shops,[link widoczny dla zalogowanych], clinics, laboratories and restaurants will find mobile advertising beneficial for their businesses. Today mobile marketing is also used to encourage people to vote during elections.
Reaching a large number of customers at one go is made possible by mobile advertising as today everyone owns a mobile phone,[link widoczny dla zalogowanych]. Mobile users are consumers and the marketing professionals have invented ways to market product through mobile phones,[link widoczny dla zalogowanych]. People send and receive SMSs,[link widoczny dla zalogowanych]. They save messages for future use and forward interesting SMs to their friends and family members,[link widoczny dla zalogowanych]. A company can send promotional messages to its targeted customers and open a line of communication with their customers,[link widoczny dla zalogowanych]. Sending promotional messages in large number is made easy by SMS platform that can flash millions of advertising SMSs within a short time.
SMS platform is a gateway that allows marketers to flash promotional messages in large number in no time,[link widoczny dla zalogowanych]. The best part of this platform is that it reduces per message cost and makes mobile marketing affordable,[link widoczny dla zalogowanych]. This software can be downloaded in a PC and the marketer can run many SMS advertising campaigns from his personal computer. Advent of this software has changed the way companies used to promote their products and services. Now companies can spread awareness about their businesses without increasing their marketing expenditure,[link widoczny dla zalogowanych]. Mobile advertising is the future of marketing and it is advantageous for almost every industry.
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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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