Tag: I

I – m Too Busy! #t #shirt #business


#busy

#

TRANSFORMING PERFORMANCE

TRANSFORMING PERFORMANCE

TRANSFORMING PERFORMANCE

I m Too Busy!

Have you found yourself saying ‘I’m Too Busy’ recently. I mean it happens to everyone right? There genuinely are times where you have too much to do and find yourself suddenly realising it is 4.30pm and you haven’t stopped for lunch, or it’s 9pm and you can’t finish for another few hours yet.

However, I do believe that often ‘too busy’ is a myth we create in our own minds. It is all about priorities, and taking a longer term approach. For example, I was speaking to someone last week who was ‘too busy’ and an hour later they popped up on Facebook for 20 minutes taking about something and nothing (non business related). The same person later in the day was tweeting about Pokémon Go hunting.

If you have time for Pokémon then great (and actually it is a genius idea for getting kids off their Xboxes and doing some exercise – going round the streets on a Pokémon hunt). However, in some cases Pokémon has literally taken over people’s lives – there have been reports of people crashing their cars, breaking into houses and walking into rough seas, while chasing Pokémon.

You might think it is really stupid to let Pokémon take over your life in a way that threatens your health but maybe your business is YOUR Pokémon? Maybe your business is taking over your life. You might be looking at Pokémon and thinking – Why? Your husband/wife/partner/kids/family member or friends might be looking at you over-working in your business and think Why?

Are you in the position where you are not making your boat go faster despite all your hard work, where the only thing going faster is your life. Would you like to know how to get your business running as brilliantly as Nintendo (50% rise in share price in a week is not bad!).

What you will get

  • 30 minutes devoted to working ON and not IN your business
  • At least 2 ideas you can take away and implement immediately
  • A clear plan of what to do next to delete some ‘busyness’ and be more effective in your business

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  • What Can I Do with My International Business Major? #small #business #banking


    #international business jobs

    #

    What Can I Do with My International Business Major?

    Overview

    The International Business major, in the McDonough School of Business, provides excellent preparation for students interested in careers involving the coordination of human and material resources toward the achievement of the international goals of the organization. In addition, international business requires special skills to adapt management methods to the needs of foreign environments.

    The concentration is intended to prepare the student for administrative positions in international divisions of American companies; careers in the national or international government agencies concerned with international trade development, the establishment of international businesses; and careers in commercial and investment banking.

    Skills

    The study of international business allows for the development of a core set of skills sought after by employers in a wide range of occupational settings. A sampling of representative skills and abilities follows.

    • Analyze complex and unstructured data
    • Evaluate risks and opportunities
    • Coursework in Finance/Marketing/Management
    • Communicate clearly and persuasively
    • Diplomacy and negotiating
    • Networking
    • Public speaking
    • Awareness of international figures and news
    • Cultural sensitivity
    • Understanding of international politics
    • Understanding of trade regulations
    Sample Internship Opportunities
    • Foreign companies operating in the United States (e.g. Chanel, Airbus)
    • Government Agencies (e.g. US Department of Commerce, State, Treasury)
    • Government Relations (e.g. Council on Foreign Relations)
    • International Banks (e.g. World Bank, Export-Import Bank, International Finance Corporation)
    • Multinational corporations (e.g. Viacom, L’Oreal, Hilton, Ogilvy Mather, Saatchi Saatchi, Disney, Goldman Sachs)
    • Nonprofit Organizations (e.g. Human Rights Watch, Amnesty International)

    Where are Georgetown International Business Majors Now?

    • Financial Analyst
    • Stock Broker
    • Product Manager
    • Economist
    • Consultant Foreign Exchange Trader
    • Foreign Service Officer
    • Trade Specialist
    • Import/Export Coordinator
    • Lawyer Marketing Manager
    • Public Relations Specialist
    • Advertising Executive
    • Human Resources/Human Capitol Management
    Relevant Web Sites and Publications
    Professional Organizations

    For information about career options, internship and full-time opportunities, contact the Career Education Center at One Leavey Center, (202) 687-3493.


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    When Do I Need a Business Lawyer for My Small Business? #work #from #home

    #business lawyer

    #

    When Do I Need a Business Lawyer for My Small Business?

    Among the countless worries for entrepreneurs who are starting or are already running a small business is the question of whether they need a business lawyer. The perception is that attorneys charge high rates and many small businesses don’t have much, if any, extra capital with which to pay lawyers. As a result, most small business owners only hire an attorney experienced with business matters when confronted with a serious legal problem (e.g. you’re sued by a customer). However, legal help is a cost of doing business that often saves you money and helps your business in the long run.

    While you certainly don’t need an attorney for every step of running your business, an ounce of prevention is worth a pound of the cure. This article will explain when you can cover legal issues on your own or with minimal attorney assistance and when you will definitely need a business lawyer.

    Issues You Can Handle on Your Own

    There are certain matters that are fairly straightforward and/or not unduly difficult to learn and therefore do not require the services of an attorney who charges at least $200 per hour. There are enough expenses associated with running a business, why not save yourself a load of money and do it yourself if you can?

    The following is a list of some tasks that business owners should consider taking on themselves (with the aid of self-help resources, online and in print):

    • Writing a business plan
    • Researching and picking a name for your business (previously trademarked business names can be researched online)
    • Reserving a domain name for your website
    • Creating a legal partnership agreement, limited liability company (LLC) operating agreement, or shareholder’s agreement (see Choosing a Legal Structure )
    • Applying for an employer identification number (EIN), which you will need for employee tax purposes
    • Applying for any licenses and permits the business requires
    • Interviewing and hiring employees (there are federal and state antidiscrimination laws which regulate the hiring of employees)
    • Submitting necessary IRS forms
    • Documenting LLC meetings
    • Hiring independent contractors and contracting with vendors
    • Creating contracts for use with customers or clients
    • Creating a buy-sell agreement with partners
    • Updating any partnership, LLC, or shareholder’s agreements under which you are currently operating
    • Handling audits initiated by the IRS

    The above is not an exhaustive list of legal tasks which small business owners can do on their own. It should be stated that if your business is well-funded or you feel that you need the assistance of an attorney, you can always retain a lawyer to help you with everything listed above.

    Issues Where You Will Need a Business Lawyer

    Most of the issues outlined above can be handled by any intelligent business owner (if you can run a business, you can certainly fill out IRS forms or fill in boilerplate business forms). There are times, however, when a business faces issues that are too complex, too time consuming, or fraught with liability issues. At that point,the wisest move is to retain a business lawyer.

    A few examples include:

    • Former, current, or prospective employees suing on the grounds of discrimination in hiring, firing, or hostile work environment
    • Local, state, or federal government entities filing complaints or investigating your business for violation of any laws.
    • You want to make a special allocation of profits and losses or you want to contribute appreciated property to your partnership or LLC agreement
    • An environmental issue arises and your business is involved (even if your business didn’t cause the environmental problem, you may be penalized)
    • Negotiating for the sale or your company or for the acquisition of another company or its assets

    An Ounce of Prevention

    While you certainly need to retain an attorney for the serious issues above, your emphasis should be placed on preventing such occurrences in the first place. Prevention does not necessarily involve hiring an attorney, though consulting with one wouldn’t hurt. By the time you or your business is sued, the preventable damage has been done and the only question that remains is how much you’ll be paying in attorney’s fees, court fees, and damages.

    For example, by the time a prospective employee files a lawsuit claiming gender discrimination based in part upon questions posed at the job interview, all you can do is hire an attorney to defend the lawsuit. If, on the other hand, you had done your own research on anti-discrimination laws, or you had consulted an attorney beforehand, you would have known not to inquire as to whether the applicant was pregnant or planned on becoming pregnant. The small effort at the beginning of the process would save you an enormous headache later.

    To prevent unnecessary attorney costs at the inception of your business as well as tremendous costs after a lawsuit has been filed, you might consider a consultation arrangement with an attorney. Such an arrangement would entail you doing most of the legwork of research and the attorney providing legal review or guidance.

    For example, you might use self help and online sources to create a contract with a vendor and ask an attorney to simply review and offer suggestions. Or from the previous example, you might research types of questions to ask during an interview and then send the list to an attorney for his or her approval. This way, you prevent the potential headache later and the cost to you is minimal because you’ve already done most of the work and the attorney simply reviews the document.

    Find the Right Attorney for Your Business Needs

    You won’t need a lawyer for each and every legal issue that comes up in your business. But when you do, it’s good to know where to find the right one. Check FindLaw’s legal directory for a business and commercial law attorney near you.


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    What can I do with a business and management studies degree? #start #your #own

    #business management degree

    #

    Business and management studies

    The skills you gain on a business and management studies degree will allow you to start contributing to your employer’s organisation quickly and effectively

    Job options

    Jobs directly related to your degree include:

    Jobs where your degree would be useful include:

    Remember that many employers accept applications from graduates with any degree subject, so don’t restrict your thinking to the jobs listed here.

    Related case studies

    Head of marketing

    Work experience

    A business and management studies degree prepares you for a career in business, which may stretch across any sector or industry. Your career options are therefore varied. Try to decide on the area you want to work in and aim to get relevant work experience.

    You can gain work experience at university through extracurricular activities such as club membership or taking a role on a society that will develop your team-building, business or finance skills. You could also try to get a part-time job in an area related to your chosen career. Something that provides commercial skills or gives you knowledge in business functions and how organisations operate will be helpful.

    Search for placements and find out more about work experience and internships .

    Advertisement

    Typical employers

    Industries as diverse as chemicals, utilities, fashion, health, grocery and construction all require functional managers with a clear understanding of systems, efficiency and operational issues. Opportunities exist in management and analysis roles with employers in the private, public and voluntary sectors.

    Graduate training schemes offered by large employers frequently focus on commercial roles. Many give experience in several departments but others encourage specialisation from the outset.

    Skills for your CV

    Studying for a business and management studies degree allows you to develop a broad understanding of business organisations and provides you with subject-specific knowledge in areas such as markets, customers, finance, operations, communication, information technology and business policy and strategy. Business issues are often addressed at a European and international level.

    You will gain a number of transferable skills on your course including:

    • an understanding of organisational behaviour and structure;
    • analytical and critical thinking;
    • a creative approach to problem solving;
    • decision-making;
    • persuasive written and oral communication;
    • numeracy and the ability to research, interpret and use business and financial data;
    • self-reliance, initiative and the ability to manage time, projects and resources;
    • appreciation of the causes and effects of economic and other external changes.

    Further study

    Some graduates choose to undertake further study in subjects such as marketing, finance, human resources, computing/ICT and international business management in order to develop their expertise in a particular area of business. Studying for an MBA is another option.

    Those combining study with a job often work towards a professional qualification, usually supported by their employer. Professional qualifications popular with business studies graduates are provided by organisations such as the:

    Other options for further study include the Graduate Diploma in Law (GDL) for conversion to law.

    For more information on further study and to find a course that interests you, see Masters degrees and search postgraduate courses .

    What do business studies graduates do?

    Marketing associate professional is the top occupation held by business and management graduates employed in the UK six months after graduation. Finance, HR and sales professions also feature in the top ten.

    More than 10% of graduates go on to further study or combine further study with work.


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    5 Things to Do Before Saying I Do to a Business Partner #discount #business

    #business partner

    #

    5 Things to Do Before Saying ‘I Do’ to a Business Partner

    CEO Founder, Deborah Mitchell Media Associates

    September 24, 2014

    As an entrepreneur, you may at some point consider getting a business partner or co-founder. Maybe you miss working with a larger team that complements your skills, or perhaps you are trying to broaden your market or expand your clientele. Whatever your motive, you should know that business partnerships always start with excitement, but have the potential to end tumultuously. When forming a business partnership — just like a marriage — there are certain key steps to take at the beginning that will help in the transition if your professional relationship should end.

    1. Perform due diligence. Yes, everyone is fun over cocktails, but when the time comes to sign contracts and do business, you d better be sober and confident you re shaking the right hand. Asking for referrals about a potential partner goes beyond contacting common friends and asking their opinions. Call former partners and business associates, inquire with clients, read comments on their social media pages and look them up on Google. (Keep reading way past page one of the search results.)

    By the time you re done, you should be able to name anyone who dislikes them — from their first high-school enemy to their latest unhappy client. Only then will you be able to either take a calculated risk or a major step back.

    2. Make sure you lawyer up. If the legal fees in the beginning of a business relationship don t make you wince, then you re doing something wrong. When you partner with other people, every aspect of the business relationship should be put down in writing — including the goals for the company, duties and responsibilities of the partners and an exit strategy. Every sentence of a contract — no matter how innocuous — should be looked at by a lawyer. Since tax laws can be tricky, have your accounts receivable/payable arrangements scrutinized by an accountant.

    3. Ensure you have exit strategy. Ending your business partnership is the last thing you want to think about when you are beginning one. It is similar to thinking about divorce on your wedding day, but you should have a plan. The business exit strategy should include several legal points including the division of the business assets and how the partner s portion of the business will be handled in case of death.

    4. Protect yourself. One of the smartest moves you can make is to protect your personal assets in case of a lawsuit. Whether you choose to incorporate or become an LLC, the top benefit will be shielding your savings, home, car and even your favorite pair of Louboutins from any liabilities associated with the business.

    5. Protect your brand. Joining forces with a partner takes a lot of energy, and chances are that somewhere down the line you will lose your focus. Working for a common goal within a new team is really exciting but merging forces does not necessarily mean merging identities. Don t lose sight of who you are. If part of the original business plan is to maintain your brand, make sure it doesn t suffer while you re giving all your time and energy to your new endeavor.

    When you meet a potential partner, your personalities may click and your goals may be identical but to have a successful relationship, clarity is key. The more precautions you take in the beginning, the happier and more productive you will be later on. And the day you see that the team you ve tried to build has become nothing more that a group of people looking in different directions, then it s time to part ways and move on.


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    What Can I Do with My International Business Major? #business #cards


    #international business jobs

    #

    What Can I Do with My International Business Major?

    Overview

    The International Business major, in the McDonough School of Business, provides excellent preparation for students interested in careers involving the coordination of human and material resources toward the achievement of the international goals of the organization. In addition, international business requires special skills to adapt management methods to the needs of foreign environments.

    The concentration is intended to prepare the student for administrative positions in international divisions of American companies; careers in the national or international government agencies concerned with international trade development, the establishment of international businesses; and careers in commercial and investment banking.

    Skills

    The study of international business allows for the development of a core set of skills sought after by employers in a wide range of occupational settings. A sampling of representative skills and abilities follows.

    • Analyze complex and unstructured data
    • Evaluate risks and opportunities
    • Coursework in Finance/Marketing/Management
    • Communicate clearly and persuasively
    • Diplomacy and negotiating
    • Networking
    • Public speaking
    • Awareness of international figures and news
    • Cultural sensitivity
    • Understanding of international politics
    • Understanding of trade regulations
    Sample Internship Opportunities
    • Foreign companies operating in the United States (e.g. Chanel, Airbus)
    • Government Agencies (e.g. US Department of Commerce, State, Treasury)
    • Government Relations (e.g. Council on Foreign Relations)
    • International Banks (e.g. World Bank, Export-Import Bank, International Finance Corporation)
    • Multinational corporations (e.g. Viacom, L’Oreal, Hilton, Ogilvy Mather, Saatchi Saatchi, Disney, Goldman Sachs)
    • Nonprofit Organizations (e.g. Human Rights Watch, Amnesty International)

    Where are Georgetown International Business Majors Now?

    • Financial Analyst
    • Stock Broker
    • Product Manager
    • Economist
    • Consultant Foreign Exchange Trader
    • Foreign Service Officer
    • Trade Specialist
    • Import/Export Coordinator
    • Lawyer Marketing Manager
    • Public Relations Specialist
    • Advertising Executive
    • Human Resources/Human Capitol Management
    Relevant Web Sites and Publications
    Professional Organizations

    For information about career options, internship and full-time opportunities, contact the Career Education Center at One Leavey Center, (202) 687-3493.


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    Credit Card Debt Consolidation Loans, Prosper, how do i consolidate my credit cards.#How #do

    #

    Credit Card Debt Consolidation Loans

    Are you looking for a loan to help you keep more cash in your pocket every month? By consolidating your high interest debts, you may enjoy the relief you need.

    Although you can never borrow your way out of debt, you can greatly reduce the amount of interest you pay every month. Depending upon the credit card balances you re currently carrying, this could save you lots of money—hundreds of dollars, perhaps thousands.

    Improve your credit. Start down the road to debt relief right now by applying for a loan at Prosper. You’ll enjoy one easy monthly payment, and we offer only unsecured loans so you won t need to take out a second mortgage or home equity loan.

    How does Prosper differ from other debt consolidation loans?

    Prosper makes the entire process as easy and transparent as possible. We bring people together to help others through our online community.

    Simply join the Prosper community and tell your story to our lenders. Explain how you re looking for a low-cost solution to consolidate your debt. Many of our lenders may respond positively to that as they understand the importance of eliminating excess debt and avoiding a bad credit score.

    With a Prosper loan, your loan principal goes down as you make your loan payments. So take the first step to eliminate your credit card debts by joining Prosper and creating a listing. Apply now.

    Does my credit score affect my loan?

    Yes. Most lenders will look at your credit history, and Prosper lenders are no exception. If you are sure you have bad credit, you may want to consider improving it before you apply. If you are not sure of your credit score, we can help you find out now, for free, with no obligation.

    Check your rate

    APR starting at

    5.99% for best borrowers

    Rates from 5.99% to 36.00% APR

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    How do i consolidate my credit cards

    Choose the right fit for your business

    Use your personal loan for business

    Borrow up to $35,000

    We’ll have a list of your eligible rates in less than 2 minutes.

    Introducing Business Loans from How do i consolidate my credit cards

    Borrow up to $500,000

    Up to $500,000 for eligible businesses

    Eligible businesses are older than 1 year with a minimum $100,000 in annual revenue. Get approved in minutes.

    Loan Types

    *For example a three-year $10,000 loan with a Prosper Rating of AA would have an interest rate of 5.32% and a 1% origination fee for an APR of 5.99% APR. You would receive $9,900 and make 36 scheduled monthly payments of $302. A five-year $10,000 loan with a Prosper Rating of A would have an interest rate of 7.69% and a 5% origination fee for an APR of 9.88% APR. You would receive $9,500 and make 60 scheduled monthly payments of $201.28. Origination fees vary between 1%-5%. Annual percentage rates (APRs) through Prosper range from 5.99% APR (AA) to 36.00% APR (HR) for first-time borrowers, with the lowest rates for the most creditworthy borrowers. Eligibility is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All loans made by WebBank, member FDIC.

    Prosper and WebBank take your privacy seriously. Please see Prosper’s Privacy Policy and WebBank’s Privacy Policy for more details.

    Notes offered by Prospectus. Notes investors receive are dependent for payment on unsecured loans made to individual borrowers. Not FDIC-insured; investments may lose value; no Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

    All personal loans are made by WebBank, member FDIC. Loans are unsecured, fully amortized personal loans.

    Notes are not guaranteed or FDIC insured, and investors may lose some or all of the principal invested. Investors should carefully consider these and other risks and uncertainties before investing. This and other information can be found in the prospectus. Investors should consult their financial advisor if they have any questions or need additional information.

    Prosper Funding LLC. | 221 Main Street, Suite 300 | San Francisco, CA 94105

    **All personal loans are made by WebBank, member FDIC. All Prosper personal loans are unsecured, fully amortized personal loans.

    Notes offered by Prospectus. Notes investors receive are dependent for payment on personal loans to borrowers. Not FDIC-insured; Investments may lose value; No Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

    *Seasoned Return calculations represent historical performance data for the Borrower Payment Dependent Notes (”Notes”) issued and sold by Prosper since July 15, 2009. To be included in the calculations, Notes must be associated with a borrower loan originated more than 10 months ago; this calculation uses loans originated through May 31, 2012. Our research shows that Prosper Note returns historically have shown increased stability after they’ve reached ten months of age. For that reason, we provide “Seasoned Returns”, defined as the Return for Notes aged 10 months or more.

    To calculate the Return, all payments received on borrower loans, net of principal repayment, credit losses, and servicing costs for such loans, are aggregated and then divided by the average daily amount of aggregate outstanding principal. To annualize this cumulative return, it is divided by the dollar-weighted average age of the loans in days and then multiplied by 365.

    All calculations were made as of September 30th, 2013. Seasoned Return is not necessarily indicative of the future performance on any Notes.


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    Ax vs #ax #i


    #

    Ax vs. axe

    Thank you for your comment. We base these posts on data rather than any individual s experience with the language, but you were right to call our attention to this post, as our statement that ax is standard in American English was inaccurate. Ax is indeed more common than axe in this century, at least in American news publications that put their content online, but axe is still quite common. We ve updated the post to reflect this.

    Thomas Streib says:

    I m an American. I can clearly remember that I was taught ax in school. We are taught that when two vowels are close to each other, the first is long and the second is silent. (though not always): fat – fate, wa – way, ba – bae, at – ate. This is not always the case, but when it is then two or more consonants will avoid any phonic change.
    ride – riding, rid – ridding

    In the decade since I left high-school, I have ALWAYS seen ax being spelled axe. With a spelling like axe, one might think that the a will be long: ay-ks instead of a-ks. However, we continue to see axe over the years despite this.

    This explanation makes complete sense to me. Axe always looked better to me even though I usually like shorter spellings better, but now that I can see a reasonable argument for ax I can happily make the switch. Thank you!

    Chris Laurence says:

    I find it amusing you use ba – bae as an example I don t think you realize that bae is actually a danish word for poop and it s not even listed in the dictionary as a word it just means poop.

    As someone who lives in America, I can say that I ve never seen anyone write broadax or pickaxe. I ve mostly seen the word with the E.

    Travis Yates says:

    It is horribly apparent our education for the English language is suffering. When a vowel such as a is followed by a consonant as in x and then followed by an E it makes the preceding vowel LONG or for those who don t know what that means .it says its own name and the E becomes silent, so phonetically speaking; axe would be pronounced as if it were spelled aches . AX is pronounced with Ă sound because there isn t an E at the end. Other examples are Fat vs Fate, sit vs site, at vs ate, mop vs mope. This list can go on and on but its pretty sad when there are this many people who have no idea of correct American grammer, which is why we end up with idiots who think female is actually FEE MALL EE, or shithead which they thought was SHE THEED. These last two examples I wish I was making up, but unfortunately people ACTUALLY NAMED their kids those because they think they can just make up stuff and pronounce it any way they feel like only to prove how ignorant they really are. Another example is when they spell ax thinking their spelling ask.

    Another example is when they spell their thinking they are spelling they re. (This smart ### moment brought to you by )

    No pronunciation rule in American English is hard and fast. For example, why do their, they re and there all sound the same? And, specifically, given your rule above, why does there not follow it? Why does it sound like th-ay er rather than th EE er, as the above rule would indicate?

    I prefer axe because it was apparently so prevalent that nearly every other English-speaking country spells it this way. But that s nonsense, too, because I m perfectly at ease with not having the U in laboUR, favoUr, etc. So, I suppose it comes down to the way I was originally taught and was ingrained in me by most literature I read throughout school and since. It s obvious to me from this page that it was hardly taught in a uniform manner, so I guess I need to learn to be more open to the other spelling.

    Matt Fletcher says:

    Steven King used ax all the time in The Shining and I was really confused as to what it was he was talking about. I m British and have only ever seen axe- ax looks like a mistake (as someone else pointed out)

    Ffffe Fjjj says:

    Ax is of course the more logical and obvious spelling. Pro tip: if you can add a letter to a word, and that added letter does not change the spelling of the word at all if, in other words, that added letter is completely useless you should not add that letter.

    God bless you, Noah Webster.

    Daniel Larson says:

    Currently MS Word spell checker accepts both spellings as correct. Webster lists it as AX, however it also lists AXE as an acceptable spelling. Ironically typing AXE here in this comment box it got underlined in red as misspelled! Right clicking it reveals AX or AXES in the plural.

    I ve lived in America my entire life but I ve always used axe over the other? I thought ax was incorrect slang usage. XD

    I ve lived in UT all of my life, and I ve always struggled with this. Axe looks right to me, but my auto-corrects always put that annoying red line under it. I am one of the few in this younger generation who actually laments the continuous and rapid degradation of this language. The most meaningful, and often concise, words are quickly falling into oblivion, so increasing familiarity with older works greatly enriches one s vocabulary; although it may be much to the detriment of hard-earned spelling skills.

    Chris Johnston says:

    The Oxford English Dictionary says The spelling ax is better on every ground, of etymology, phonology, and analogy, than axe, which became prevalent during the 19th century; but it is now disused in Britain. I always took it to mean that axe was the newer of the two variants. Despite this, I prefer axe myself.

    I learned in South Korea in PSA and in CI and I only learned axe. I thought the science book was wrong ion ax but I guess I was wrong!


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    Bmw l #bmw, #bmw #france, #bmw #série #1 #trois #portes, #bmw #série #1 #cinq

    #

    EN MISSION.

    LA BÊTE OU LA BELLE ?

    L ART DU VOYAGE.

    LA BÊTE OU LA BELLE ?

    L AMOUR AU PREMIER REGARD.

    LA BÊTE OU LA BELLE ?

    NOUVELLES BMW SÉRIE 5.

    NOUVELLE BMW i3 +EDITION. À PARTIR DE 330€/MOIS SANS APPORT.

    NOUVELLE APPLICATION BMW CONNECTED.

    CONFIGUREZ VOTRE BMW.

    EN MISSION.

    LA BÊTE OU LA BELLE ?

    L ART DU VOYAGE.

    LA BÊTE OU LA BELLE ?

    L AMOUR AU PREMIER REGARD.

    LA BÊTE OU LA BELLE ?

    NOUVELLES BMW SÉRIE 5.

    NOUVELLE BMW i3 +EDITION. À PARTIR DE 330€/MOIS SANS APPORT.

    NOUVELLE APPLICATION BMW CONNECTED.

    CONFIGUREZ VOTRE BMW.

    LA BÊTE OU LA BELLE ?

    Sur les BMW Série 1, BMW Série 2 Active Tourer et Gran Tourer et BMW X1, découvrez des finitions suréquipées taillées sur mesure pour refléter votre personnalité. fonçeuse et athlétique en finition M Sport, élégante et raffinée en finition UrbanChic, Luxury ou xLine. À vous de choisir. la Bête ou la Belle ?

    NOUVELLES BMW SÉRIE 4.

    La sportivité associée à une esthétique époustouflante. les BMW Série 4 Coupé, Gran Coupé et Cabriolet représentent la quintessence du plaisir de conduire par BMW. La BMW Série 4 Coupé se distingue par son esthétique expressive et sa dynamique sportive, tandis que la BMW Série 4 Gran Coupé associe une esthétique fascinante à une grande polyvalence grâce à son système de hayon. Enfin, la BMW Série 4 Cabriolet, grâce à son toit rigide rétractable, promet des sensations uniques quelle que soit la saison.

    OFFRES DE LOYER.

    Découvrez les offres exceptionnelles de financement BMW. Loyers sans apport, entretien et extension de garantie inclus.

    BUSINESS DESIGN.

    BMW Group est le premier constructeur mondial en matière de durabilité avec, à ce jour, 111 modèles qui ne dépassent pas 120g de CO2 /Km, et 196 qui ne dépassent pas 140g de CO2 /Km. La gamme Entreprises BMW, ce sont des modèles à l’efficience prodigieuse, mais également des voitures minutieusement sélectionnées, disponibles en finition Business ou Executive et accompagnées de solutions de financement sur-mesure.


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    Can I use my Health Savings Account for plastic surgery? #can #i #use #hsa

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    Paying for your face-lift is more difficult than you think

    At Bernard Health, we are often asked about paying for plastic surgery with money from a health-savings account.

    Most of the time, the answer is unfortunately “no”. The HSA can only be used for cosmetic surgery if prescribed by a physician and deemed medically necessary. How do you know if your plastic surgery is deemed medically necessary? If it’s unclear, ask your doctor.

    As an elective procedure, your costs wouldn’t qualify as an eligible medical expense. Qualified medical expenses under an HSA are defined as: medical copayments or coinsurance, long-term care costs, dental care costs, vision care costs, prescriptions medications and some over-the-counter medications. HSA funds can also be used to pay for COBRA or retiree medical insurance premiums.

    You can find a more complete list of what is considered an “eligible medical expense” here or on page 15 of the IRS document.

    The following list may be helpful for the grey area questions of what your HSA doesn’t cover.

    Your HSA doesn’t cover the following:

    • Cosmetic surgery
    • Exercise equipment
    • Fitness Programs
    • Funeral expenses
    • Gym memberships
    • Hair transplants
    • House help
    • Illegal operations and treatments
    • Insurance premiums
    • Maternity Clothes
    • Teeth Whitening

    However, another grey area is LASIK surgery. You can pay for lasik surgery with money from your health-savings account. So that should be good news!

    Remember, you can spend the money in your HSA on anything you wish after age 65 and you will pay normal income taxes on that purchase. Before age 65, if you spend the money on a non-eligible medical expense, you will pay taxes plus a 20% penalty on that purchase.

    If you enjoyed this post, you may also like HSA rules.


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