Day to Day Pigeon Growth 1 day to 1-hour flying, Pigeon fly training, কবুতর উড়ানো প্রশিক্ষণ Part-2

Pakistani Highflyer pigeon Day to Day Pigeon Growth 1 day to 1-hour fly training Kaldom pigeon baby 0 days to 1-hour fly training, কালদম কবুতর পরিচিতি | Pigeon growing video Pigeon videos লালদম কবুতর এর বাচ্চা ০ দিন থেকে ১ ঘণ্টা পর্যন্ত উড়ানো প্রশিক্ষণ দিনে দিনে কবুতরের বাচ্চা বড়ো হওয়া | ১ দিন থেকে 1-ঘন্টা পর্যন্ত কবুতর উড়ানোর প্রশিক্ষণ | Pigeon হাইফ্লায়ার কবুতর ট্রেনিং হাইফ্লায়ার কবুতর ফ্লাইং হাইফ্লায়ার কবুতর উড়ানো কবুতর ট্রেনিং গিরিবাজ কবুতর রাজশাহী গিরিবাজ কবুতর রাজশাহী গিরিবাজ ডিগবাজি গিরিবাজ ডিগবাজি হাই ফ্লাইং গিরিবাজ রাজশাহী টাম্বলার কুবতরকে বাম চিনানো কালদোম বেবি কালদম বেবি কবুতর উড়ানোর ট্রেনিং

Day to Day Pigeon Growth 1 day to 65 days until 1-hour flying | কুবতর উ...

Laldom baby 0 days to 1-hour fly training | কুবতর উড়ানো প্রশিক্ষণ Part 1

Discussion on a Living Wage

By Michael LaMarque

 

As you know, as part of a “grand bargain” bill passed in 2018, state lawmakers approved a provision to gradually raise the state’s hourly minimum wage from $11 to $15 by 2023, essentially creating a “living wage” in Massachusetts (DeCosta-Klipa, 2019).

 

The fear is that the bigger picture is not being seen and that small businesses are not being considered in the fight to create a living wage in Massachusetts. Many small businesses cannot support a living wage. And if the businesses cannot support the wage, what does that mean?

 

It means, lay-offs and short staffing just to start. What was once expected of two employees will now be expected of one because ownership cannot afford to keep that second employee on staff.

 

It means a decline in overtime for employees who currently rely on more than a 40-hour work week. A company may be able to pay overtime at $19.13/hour but cannot support overtime at $22.50/hr or $25/hr. Employees in these situations may be making more an hour, but they will be taking home less in their checks.

 

How is a new business supposed to get off the ground if they can’t afford to hire people to get the business going?

 

An increase to a living wage would mean increases across the board. All employee compensation would be up for discussion.

 

Wage compression is a significant issue and wage feathering comes into play. How would John feel if he had been working at a company for 5 years and just started making $15/hour and Susy was hired tomorrow to do the same job at $15/hour? John would be insulted.

 

 

A living wage increase would skew the numbers even more.

The numbers don’t lie. If you hurt the business, you ultimately hurt the employee. If the business can’t grow, then the employees can’t grow. If a business can’t hire more staff, then those employees currently on staff will be expected to carry the load.

 

No one is saying that employees don’t deserve to be fairly compensated. According to the same 2019 survey , 58% of small business owners pay their employees more than minimum wage (Weston 2019).

 

Small business owners understand what it’s like to do the dirty work or to be undervalued. Many small business owners built their companies from the ground up. Before they could afford to hire staff, many owners had to do the very jobs that their employees now do. For this reason, many small business owners understand what fair value is for the services which they are requesting.

 

The goal is to fairly compensate employees while still allowing a business to thrive. If a business is not allowed to thrive, no one will prosper.

Sources

 

DeCosta-Klipa, Nik. “The minimum wage in Massachusetts is going up this week. Here’s what

you need to know.” December 31, 2019. https://www.boston.com/news/local-news/2019/12/31/massachusetts-minimum-wage-2020#:~:text=The%20minimum%20wage%20in%20Massachusetts%20will%20increase%20again,another%20incremental%20increase%20kicks%20in%20this%20New%20Year.         

 

National Survey from SCORE and OnDeck Reveals Dilemma on Main Street. “Small Business

Owners Agree Minimum Wage Is Not a "Living Wage;" Split on Whether It Should Increase.” December 12, 2019. https://www.score.org/news/small-business-owners-agree-minimum-wage-not-living-wage-split-whether-it-should-increase

 

South Shore Chamber of Commerce. “Our Mission.” https://www.southshorechamber.org/about-

            us.html

 

Weston, Bridget. “Hike the Minimum Wage or Keep It As-Is? Small Business Owners Weigh in

on the Debate.” December 26, 2019. https://boston.score.org/blog/hike-minimum-wage-or-keep-it-small-business-owners-weigh-debate

 

Michael LaMarque was born and raised in Holliston, MA. He attended Holliston High School and graduated with high honors. In high school, he was captain of the football team and played linebacker. He also played defense on the lacrosse team! He attended Bridgeton Academy for prep school, where he continued to play football. He also continued his academic excellence making the Dean’s list. He later attended Quincy College, where he was on the Dean’s list once again, and earned his Associates Degree in Natural Science. He went on to attend The University of Massachusetts Boston, where he again was on the Dean’s list, and majored in Management.

 

Please enjoy the following links of Michael LaMarque;

MichaelLaMarqueBlog.com

 

MichaelLaMarque.com

 

Michael-LaMarque.com

 

AboutMichaelLaMarque.com

 

MichaelLaMarqueInfo.com

 

 

TEFL Jobs Abroad

TEFL Jobs Abroad - The 5 Best destinations

Click here for more info about TEFL Jobs Abroad

There are all kinds of unique and interesting careers to be found, but there’s none that can quite match the adventure and excitement of that of a TEFL teacher. TEFL teachers travel abroad to all kinds of wild and interesting countries teaching English to both children and adults. The decision to become a TEFL teacher may be easy for some but even after deciding it’s the right career choice, one can be faced with an even bigger dilemma; what country do I teach in? Many countries offer TEFL jobs abroad and choosing between them all can be daunting. Beach or mountains? Hot or temperate? Asia or South America? The list goes on. Here is a list of some of the best countries one can choose to teach TEFL abroad that will (hopefully) make the choice a little easier.

5) Spain

Ah, Spain, the home of fearless matadors, graceful flamenco dancers, red wine and the siesta. A place where the nights are long and the days go slow. For many TEFL teachers looking for jobs abroad, Spain has an immense appeal and it’s not hard to see why. Known for it’s warm and forgiving climate year-round, beautiful beaches and historic architecture, Spain is a great place to begin your TEFL adventures abroad. Attracting millions of tourists a year, it’s no surprise that people are aching to settle down and live there for a little longer than the average two weeks. Luckily for aspiring TEFL teachers, Spain has the highest demand for TEFL teachers in all of Europe. While it is especially easy for TEFL teachers that already have an EU passport, there are a few programs in place that will help North American teachers to get the correct visa to teach in Spain as well. While the average salary is not as attractive as many Asian countries, it’s still very livable and one can have a pretty good standard of living as a TEFL teacher there.

4) China

With the world’s largest population and an economy that’s booming out of control, there’s never a dull moment in China. Whether you prefer the city or the country, the mountains or the sea, China has you covered. China is a vast country that varies wildly from region to region which gives a lot of options to TEFL teachers aspiring to land jobs abroad in China. China is also known by TEFL teachers living abroad to be a bit of a “wildcard” country. With Chinese culture and infrastructure changing at an alarming rate, anything can happen at any minute and excitement is always just around the corner. Add their ancient and vibrant history, architecture (almost) as old as time itself and some very interesting government policies and you have the perfect cocktail for an adventure-filled year teaching English abroad. One of the biggest draws China holds for TEFL teachers looking for jobs abroad is their average salary. With high pay scales to a relatively low cost of living (depending on your region of course) and often very attractive perks like bonuses, paid vacations an even reimbursement of airfare, China is the number one destination for any teacher looking for a TEFL job that will pay out some serious coin.

3) Costa Rica

Costa Rica or “the Rich Coast” is a lush paradise full of exotic flora and fauna that is sure to tickle the fancies of any nature lover. Think greenery as far as the eye can see (25% of land in Costa Rica consists of protected parks and reserves) dotted with coastal beaches, lakes, mountains, and even volcanoes. It is also home to 10% of the worlds butterfly population. Costa Ricans are known to be incredibly friendly and open-minded, ready to welcome a new TEFL teacher into their community with a big smile and open arms. The cost of living in Costa Rica is also relatively low and the salaries are very easy to live comfortably off of making it the perfect place for the nature-loving TEFL teachers to start a new job abroad.

2) Japan

From the famously cramped city of Tokyo to the grand old capital of Kyoto, Japan is alive with both cutting edge modern innovation and a deeply ingrained culture of honor and humility and is a great place to secure a TEFL job abroad. With a rich history stretching from the feudal days of the fearsome Samurai to the modern mania of hello kitty and personal robots, Japanese culture is sure to have something for everyone! Japan offers competitive salaries and good perks but there is one catch; you will be expected to work very hard for them. The Japanese value hard work above almost all else and nothing less than your very best will be acceptable. Hardly surprising for a culture that has a word for “death by overwork.”

1) Thailand

Thailand or the “land of smiles” is very deserving of its name. Thai people are some of the friendliest and kindest people in the world and will always try their absolute best to help you in any way you can. Add this to white sand tropical islands in the south, lush green jungles and mountains in the north and some of the most delicious food on earth and you have a recipe for literal paradise on earth (or as close as it gets anyway)! While Thailand doesn’t have the highest pay on a world-class scale, the cost of living is so ridiculously cheap that it is a very easy place to live a lavish lifestyle while also saving money which comes in handy for all the weekend island excursions one will definitely take during their time as a TEFL teacher there. Due to all these amazing factors, there are also extensive expat communities in Thailand which makes it very easy to make new friends, something that can be very important in a new place where no one speaks your language! Out of all these great places for TEFL jobs abroad, Thailand is definitely the easiest one to start out your adventure in!

TEFL Jobs Abroad - The 5 Best destinations

Click here for more info about TEFL Jobs Abroad

What is a mortgage broker

By Jason Ruedy

Looking for a mortgage broker in Denver or Colorado, or even Pennsylvania?  If you're thinking of buying a home in the near future, the chances are very good that you'll need to qualify for and obtain a mortgage. Generally, you have two basic options -- deal with banks and other lenders directly, or hire a mortgage broker to do the hard work for you.

What is a mortgage broker?
A mortgage broker acts as a middleman between a homebuyer and mortgage lenders. The mortgage broker will assess the borrower's finances, find appropriate mortgage products, apply for pre-approvals, gather necessary documentation, complete applications, and advise clients on the right mortgage products for them.

The Advantages
Here are some of the potential advantages of working with a mortgage broker to help you obtain financing for your real estate purchase.

1. They'll do the rate shopping for you and get you the best deal: This is undoubtedly the biggest advantage of hiring a mortgage broker. Too many homebuyers simply obtain one mortgage quote from a bank and accept it, even though you can apply for as many mortgage quotes as you'd like without adversely affecting your credit. A small difference in mortgage rates can save you thousands of dollars in interest over the life of a mortgage, so it's worth it to shop around.

The obvious problem with this is that mortgage applications can be long and tedious to complete. Applying for five different mortgage pre-approvals can easily take the better part of an entire day to do. With a mortgage broker, all of this work is done for you.

2. Mortgage brokers are more accessible than bank loan officers: Just like your real estate agent, the mortgage broker works for you and doesn't get paid unless you close your loan. For this reason, mortgage brokers tend to be more accessible to buyers than bank employees. When you have questions along the way, it's generally easier to get the answers you're looking for from a mortgage broker.
3. Many lenders work exclusively with mortgage brokers: Some of the big banks don't work with mortgage brokers anymore. Conversely, there are some mortgage lenders that only work with brokers. So, your mortgage broker could have access to loan products that you don't.
4. Mortgage brokers can get lenders to waive some fees: Mortgage brokers can often get lenders to waive some of their fees, such as application, appraisal, and origination fees.  This can save you hundreds of even thousands of dollars.

My name is Jason Ruedy, and I am The Home Loan Arranger.  I’m a licensed mortgage lender in Colorado and Pennsylvania.  I focus on mortgages for residential properties only. 

I specialize in purchase, refinance, cash-out, and debt consolidation loans.  I have a strong understanding of A paper loans consisting of credit scores over 600, and sub-prime loans with credit scores down to 350. 

I carry 24+ years in the mortgage business and have been ranked #1 in state of Colorado, and top 24 US loan officer.  I’m a boutique mortgage lender. 

I’m the only loan officer who originates for my company.  That means I’m relationship based.  I will always work on your file, and you will get my 24+ years experience.  Because of my business model, I have closed 4-5 loans for some of my clients – its relationship based. 

The structure of my company allows me to offer some of the nation’s lowest interest rates.  That becomes a big advantage for my clients, because they get the lowest rate. 

I like what I do for work.  I like helping and seeing my clients get into their dream, or maybe consolidating debt and putting them in a better financial position.  I am honored to be part of this community, and to get my clients the best home loans and terms.

Jason Ruedy, also known as the Home Loan Arranger has had 20+ successful years in the mortgage business.

Please visit Jason Ruedy on his other websites;

Jason-ruedy.com

Jasonruedy.com

AboutJasonRuedy.com

JasonRuedyInfo.com

Jason RuedyBlog.com

Making a Website Browser Suitable

Nowadays, the market is flooded with assorted Net browsers. Each one of them is freely fake and targets different viewers. We, as website designers, will surely want each surfer to view any website "the way we see it" - with minimal dissimilarities or any difference at all. The key for this lies in proper and correct web development from the very first moment and keeping to a number of important guidelines manifesting themselves throughout the website building process. Most websites is created with respect to the requirements of the most popular and wide-spread Internet browsers, such as Internet Explorer and Mozilla Firefox. Fit - how do we attempt to make our website look the same regardless of my browser size use?

The first and the most exceptional issue is working with tables. Furniture is a simple and convenient tool for free content placement, and a creative website developer may reach complex results by building inner tables and wise content arrangement. A single of the main dissimilarities between browsers is really desk size default values. Essentially, each cell needs to have level and width settings. In case these settings haven’t been defined, an internet browser may "think" there are not any such settings and stimulate its own default ideals - and different web browsers have different default principles. A table without having described size values look one way in Internet Browser, whereas Firefox is centered on a different technology and will display the table in a different way unless you totally define the table's sizes. Thus, it is essential to define how big the table and its skin cells. It would be enough to specify values for one cell, that is valid for the complete row or column. Working in such a way will prevent you from unnecessary problems because all values are numerical and might be known by all existing internet browsers. Another useful tip is related to table size each time a table has a background image. Be sure to fit image size to table size, so that it will not be cropped (if is actually larger than the table) or repeated (if really smaller than the table).

Another outstanding difference is working together with spaces, which comes after from exactly the same reason. The space figure in one browser may be one pixel extensive, within browser - a number of pixels, while in the third one there may be a restriction after displaying more than one space in a row. Some web browsers could even treat a solitary space as a series break. Besides, a space is not a proper character and one should not move the text message by means of multiple space insertion. The general guideline is - never use more than one space in a row! For the purpose of moving and pushing text around, use centering and alignment tools, indentation changes or place your content in desks. You could enter the webpage editor and choose the complete content by pressing CTRL+A. Redundant spaces and series breaks will appear as contentless "blocks", colored unknown. It is strongly suggested to remove them.

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