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I has a money
The document discusses investment options for growing money over time. Originally there were two main options: guaranteed investments and variable investments. There is now a third option, which is a guaranteed variable investment that aims to provide growth potential while also guaranteeing the original investment amount. The document also includes a table showing annual returns of the Dow Jones Industrial Average since 1896, with over 30% of years having negative returns.
HVACR_0808_cfm
1) Cfm Distributors is an HVACR distributor based in Kansas City that is employee-owned. It prioritizes developing close relationships with employees, suppliers, and customers.
2) Founded in 1969, the company has grown from $486,000 in annual revenue to over $100 million today. It became employee-owned in 1993 through an ESOP.
3) Cfm Distributors emphasizes a mission statement of delivering success to customers, employees, suppliers, and the company with "warmth, integrity, and spirit." It focuses on developing loyalty among employees through initiatives like profit sharing.
Brian penston june 2014
Brian Penston has a Bachelor of Commerce degree from the University of Manitoba with majors in marketing and finance. He holds the professional designations of CLU, CH.F.C., and CFP. As an independent financial advisor since 1975, he helps individuals and groups arrange their life, health, and disability insurance as well as investments and retirement plans. Penston works with various insurance and investment companies to find products and services suited to his clients' goals.
Ieeepaperformat 130114110008-phpapp01
This document provides formatting instructions for authors preparing papers for publication in IEEE conference proceedings. It specifies formatting requirements such as paper size, margins, font sizes, section headings, figures, tables, references, and more. The document acts as both an instruction set and template that authors can use to format their papers according to IEEE standards.
Definition of residence
1. The document defines several terms related to facilities that care for elderly individuals, including hospice, gerontic, residence, and orphanage.
2. It provides definitions of hospice from several dictionaries, describing it as a facility that cares for all the needs of elderly individuals, including accommodation, care services, and activities.
3. Hospices can be owned by the government or private organizations, and have the goal of accommodating elderly people and providing facilities and activities to maintain their health and independence.
HARDI Develops Counterperson Certification
The document discusses HARDI's development of the Certified Counter Specialist program to establish industry standards and encourage training for counterpersons in HVAC distribution. The program has four levels of certification tied to educational and training requirements. Some distributors, like cfm Distributors and Munch's Supply Co., have had success implementing the program, with many employees becoming certified. They view it as important for improving employee skills, customer service, and retention.
Employee benefits
The document discusses reasons for companies to provide employee benefits. It states that benefits help attract and retain top employees, can be seen as socially responsible, and provide an intelligent way to pay employees through tax advantages. It also notes that most employees value maintaining their health benefits over receiving cash. Additionally, it introduces an independent benefits advisor who can shop the market to find clients the best package at the best price.
How am i paid
The document discusses how the individual is paid. They do not charge for planning and shopping time. They are paid in two ways: 1) by collecting a finder's fee from companies if the individual implements their recommendations by doing business through them, and 2) by being compensated when introducing other people to their services who they may be able to help. They emphasize that they work for the individual while being paid by other companies or people.
Recomendados
I has a money
The document discusses investment options for growing money over time. Originally there were two main options: guaranteed investments and variable investments. There is now a third option, which is a guaranteed variable investment that aims to provide growth potential while also guaranteeing the original investment amount. The document also includes a table showing annual returns of the Dow Jones Industrial Average since 1896, with over 30% of years having negative returns.
HVACR_0808_cfm
1) Cfm Distributors is an HVACR distributor based in Kansas City that is employee-owned. It prioritizes developing close relationships with employees, suppliers, and customers.
2) Founded in 1969, the company has grown from $486,000 in annual revenue to over $100 million today. It became employee-owned in 1993 through an ESOP.
3) Cfm Distributors emphasizes a mission statement of delivering success to customers, employees, suppliers, and the company with "warmth, integrity, and spirit." It focuses on developing loyalty among employees through initiatives like profit sharing.
Brian penston june 2014
Brian Penston has a Bachelor of Commerce degree from the University of Manitoba with majors in marketing and finance. He holds the professional designations of CLU, CH.F.C., and CFP. As an independent financial advisor since 1975, he helps individuals and groups arrange their life, health, and disability insurance as well as investments and retirement plans. Penston works with various insurance and investment companies to find products and services suited to his clients' goals.
Ieeepaperformat 130114110008-phpapp01
This document provides formatting instructions for authors preparing papers for publication in IEEE conference proceedings. It specifies formatting requirements such as paper size, margins, font sizes, section headings, figures, tables, references, and more. The document acts as both an instruction set and template that authors can use to format their papers according to IEEE standards.
Definition of residence
1. The document defines several terms related to facilities that care for elderly individuals, including hospice, gerontic, residence, and orphanage.
2. It provides definitions of hospice from several dictionaries, describing it as a facility that cares for all the needs of elderly individuals, including accommodation, care services, and activities.
3. Hospices can be owned by the government or private organizations, and have the goal of accommodating elderly people and providing facilities and activities to maintain their health and independence.
HARDI Develops Counterperson Certification
The document discusses HARDI's development of the Certified Counter Specialist program to establish industry standards and encourage training for counterpersons in HVAC distribution. The program has four levels of certification tied to educational and training requirements. Some distributors, like cfm Distributors and Munch's Supply Co., have had success implementing the program, with many employees becoming certified. They view it as important for improving employee skills, customer service, and retention.
Employee benefits
The document discusses reasons for companies to provide employee benefits. It states that benefits help attract and retain top employees, can be seen as socially responsible, and provide an intelligent way to pay employees through tax advantages. It also notes that most employees value maintaining their health benefits over receiving cash. Additionally, it introduces an independent benefits advisor who can shop the market to find clients the best package at the best price.
How am i paid
The document discusses how the individual is paid. They do not charge for planning and shopping time. They are paid in two ways: 1) by collecting a finder's fee from companies if the individual implements their recommendations by doing business through them, and 2) by being compensated when introducing other people to their services who they may be able to help. They emphasize that they work for the individual while being paid by other companies or people.
Revolutionary war
This document provides a timeline of important events from the American Revolutionary War period from 1774 to 1783. It outlines early colonial protests against British rule leading to open conflict at Lexington and Concord in 1775. George Washington was then selected as commander of the colonial forces. Several early battles are noted, along with the signing of the Declaration of Independence in 1776. Key events include French assistance in 1778 and the British surrender at Yorktown in 1781, culminating in the Treaty of Paris recognizing American independence in 1783.
Historical investment returns
The document discusses historical investment returns including mortgage rates in Canada, guaranteed term deposit rates from 2014, and annual returns of the Dow Jones Industrial Average stock index since its inception in 1896. It notes that 34% of annual returns have been negative and that historically interest rates have increased slowly.
Australia
Australia has a large land area of 7.7 million square kilometers surrounded by the Indian and Pacific Oceans. The climate varies across the large continent, with northern states generally warm and southern states cooler, and features distinct seasons. The flora and fauna of Australia are uniquely endemic, including eucalyptus trees, kangaroos, koalas, and over 90% of insects found nowhere else. Australian cuisine reflects the native Aboriginal foods and influences from British, Asian, and Mediterranean immigration.
Retirement risks
The document discusses various risks that retirees face, including longevity risk, inflation risk, emotional risk, sequence of returns risk, and luck/timing risk. Longevity risk is the risk of outliving one's savings. Inflation risk is the risk that the cost of living will rise faster than anticipated. Emotional risk refers to making poor investment decisions based on emotions rather than logic. Sequence of returns risk refers to the risk of poor investment returns early in retirement forcing one to sell assets at a loss. Luck/timing risk means the timing of one's retirement can significantly impact outcomes due to factors outside of one's control. Proper planning aims to mitigate these risks.
Design and development of dorsal hand vein recognition biometric system usin...
The document presents a proposal for developing a dorsal hand vein recognition biometric system using image processing on an FPGA. The system would use near-infrared imaging to capture images of hand veins, extract features like vein patterns using thinning, and match patterns to authenticate users, signaling authentication with an LED. The methodology would involve preprocessing, segmentation, feature extraction and matching algorithms implemented on an FPGA using Verilog with a camera and LED interface. The system is intended to provide high security through unique and difficult to forge vein patterns.
Image processing and compression techniques
This document discusses image processing and provides examples of its applications. It covers the following key points:
1) Image processing involves analyzing and transforming images and can be used to extract information. The Mars Exploration Rover mission used image processing to compress and send images back to operators on Earth.
2) There are three main types of image processing: image-to-image, image-to-information, and information-to-image. Color spaces and compression techniques like Huffman coding are also discussed.
3) Huffman coding assigns variable length codes to characters based on their frequency, allowing for more common characters to be encoded with fewer bits and improving compression without loss of information. It has numerous applications including in
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Este documento presenta instrucciones para una práctica en Excel 2010 que incluye seleccionar una cuadrícula completa, preparar una hoja de cálculo ajustando el ancho de las columnas, y crear series, repeticiones y tablas utilizando estas herramientas de Excel.
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El documento habla sobre variables en Scratch. Explica que las variables permiten crear y usar valores numéricos o de texto en los programas, y que Scratch soporta variables globales y específicas de objetos. También menciona la creación de un objeto llamado "dado" con seis caras para representar los números de un dado real, y declara una variable llamada "valor" para almacenar los resultados del lanzamiento del dado de 1 a 6.
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El documento presenta una introducción a las secuencias y bucles en Scratch. Detalla los nombres de cuatro estudiantes y su colegio y propone cuatro problemas que involucran el movimiento por cursor y el uso de secuencias y bucles en la programación en Scratch.
IA en entornos rurales aplicada a la viticultura
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El catálogo general de electrodomésticos Teka presenta una amplia gama de productos de alta calidad y diseño innovador. Como distribuidor oficial Teka, Amado Salvador ofrece soluciones en electrodomésticos Teka que destacan por su tecnología avanzada y durabilidad. Este catálogo incluye una selección exhaustiva de productos Teka que cumplen con los más altos estándares del mercado, consolidando a Amado Salvador como el distribuidor oficial Teka.
Explora las diversas categorías de electrodomésticos Teka en este catálogo, cada una diseñada para satisfacer las necesidades de cualquier hogar. Amado Salvador, como distribuidor oficial Teka, garantiza que cada producto de Teka se distingue por su excelente calidad y diseño moderno.
Amado Salvador, distribuidor oficial Teka en Valencia. La calidad y el diseño de los electrodomésticos Teka se reflejan en cada página del catálogo, ofreciendo opciones que van desde hornos, placas de cocina, campanas extractoras hasta frigoríficos y lavavajillas. Este catálogo es una herramienta esencial para inspirarse y encontrar electrodomésticos de alta calidad que se adaptan a cualquier proyecto de diseño.
En Amado Salvador somos distribuidor oficial Teka en Valencia y ponemos atu disposición acceso directo a los mejores productos de Teka. Explora este catálogo y encuentra la inspiración y los electrodomésticos necesarios para equipar tu hogar con la garantía y calidad que solo un distribuidor oficial Teka puede ofrecer.
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Revolutionary war
This document provides a timeline of important events from the American Revolutionary War period from 1774 to 1783. It outlines early colonial protests against British rule leading to open conflict at Lexington and Concord in 1775. George Washington was then selected as commander of the colonial forces. Several early battles are noted, along with the signing of the Declaration of Independence in 1776. Key events include French assistance in 1778 and the British surrender at Yorktown in 1781, culminating in the Treaty of Paris recognizing American independence in 1783.
Historical investment returns
The document discusses historical investment returns including mortgage rates in Canada, guaranteed term deposit rates from 2014, and annual returns of the Dow Jones Industrial Average stock index since its inception in 1896. It notes that 34% of annual returns have been negative and that historically interest rates have increased slowly.
Australia
Australia has a large land area of 7.7 million square kilometers surrounded by the Indian and Pacific Oceans. The climate varies across the large continent, with northern states generally warm and southern states cooler, and features distinct seasons. The flora and fauna of Australia are uniquely endemic, including eucalyptus trees, kangaroos, koalas, and over 90% of insects found nowhere else. Australian cuisine reflects the native Aboriginal foods and influences from British, Asian, and Mediterranean immigration.
Retirement risks
The document discusses various risks that retirees face, including longevity risk, inflation risk, emotional risk, sequence of returns risk, and luck/timing risk. Longevity risk is the risk of outliving one's savings. Inflation risk is the risk that the cost of living will rise faster than anticipated. Emotional risk refers to making poor investment decisions based on emotions rather than logic. Sequence of returns risk refers to the risk of poor investment returns early in retirement forcing one to sell assets at a loss. Luck/timing risk means the timing of one's retirement can significantly impact outcomes due to factors outside of one's control. Proper planning aims to mitigate these risks.
Design and development of dorsal hand vein recognition biometric system usin...
The document presents a proposal for developing a dorsal hand vein recognition biometric system using image processing on an FPGA. The system would use near-infrared imaging to capture images of hand veins, extract features like vein patterns using thinning, and match patterns to authenticate users, signaling authentication with an LED. The methodology would involve preprocessing, segmentation, feature extraction and matching algorithms implemented on an FPGA using Verilog with a camera and LED interface. The system is intended to provide high security through unique and difficult to forge vein patterns.
Image processing and compression techniques
This document discusses image processing and provides examples of its applications. It covers the following key points:
1) Image processing involves analyzing and transforming images and can be used to extract information. The Mars Exploration Rover mission used image processing to compress and send images back to operators on Earth.
2) There are three main types of image processing: image-to-image, image-to-information, and information-to-image. Color spaces and compression techniques like Huffman coding are also discussed.
3) Huffman coding assigns variable length codes to characters based on their frequency, allowing for more common characters to be encoded with fewer bits and improving compression without loss of information. It has numerous applications including in
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Design and development of dorsal hand vein recognition biometric system usin...
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Colegio nacional nicolás esguerra
Este documento presenta instrucciones para una práctica en Excel 2010 que incluye seleccionar una cuadrícula completa, preparar una hoja de cálculo ajustando el ancho de las columnas, y crear series, repeticiones y tablas utilizando estas herramientas de Excel.
Variables
El documento habla sobre variables en Scratch. Explica que las variables permiten crear y usar valores numéricos o de texto en los programas, y que Scratch soporta variables globales y específicas de objetos. También menciona la creación de un objeto llamado "dado" con seis caras para representar los números de un dado real, y declara una variable llamada "valor" para almacenar los resultados del lanzamiento del dado de 1 a 6.
Secuencias scratchc
El documento presenta una introducción a las secuencias y bucles en Scratch. Detalla los nombres de cuatro estudiantes y su colegio y propone cuatro problemas que involucran el movimiento por cursor y el uso de secuencias y bucles en la programación en Scratch.
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IA en entornos rurales aplicada a la viticultura
Inteligencia artificial para smart areas rurales. Retos y resultados del proyecto COSASS, de UPV-USAL-URJC
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El catálogo general de electrodomésticos Teka presenta una amplia gama de productos de alta calidad y diseño innovador. Como distribuidor oficial Teka, Amado Salvador ofrece soluciones en electrodomésticos Teka que destacan por su tecnología avanzada y durabilidad. Este catálogo incluye una selección exhaustiva de productos Teka que cumplen con los más altos estándares del mercado, consolidando a Amado Salvador como el distribuidor oficial Teka.
Explora las diversas categorías de electrodomésticos Teka en este catálogo, cada una diseñada para satisfacer las necesidades de cualquier hogar. Amado Salvador, como distribuidor oficial Teka, garantiza que cada producto de Teka se distingue por su excelente calidad y diseño moderno.
Amado Salvador, distribuidor oficial Teka en Valencia. La calidad y el diseño de los electrodomésticos Teka se reflejan en cada página del catálogo, ofreciendo opciones que van desde hornos, placas de cocina, campanas extractoras hasta frigoríficos y lavavajillas. Este catálogo es una herramienta esencial para inspirarse y encontrar electrodomésticos de alta calidad que se adaptan a cualquier proyecto de diseño.
En Amado Salvador somos distribuidor oficial Teka en Valencia y ponemos atu disposición acceso directo a los mejores productos de Teka. Explora este catálogo y encuentra la inspiración y los electrodomésticos necesarios para equipar tu hogar con la garantía y calidad que solo un distribuidor oficial Teka puede ofrecer.
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Catalogo Cajas Fuertes BTV Amado Salvador Distribuidor Oficial
Explora el catálogo completo de cajas fuertes BTV, disponible a través de Amado Salvador, distribuidor oficial de BTV. Este catálogo presenta una amplia variedad de cajas fuertes, cada una diseñada con la más alta calidad para ofrecer la máxima seguridad y satisfacer las diversas necesidades de protección de nuestros clientes.
En Amado Salvador, como distribuidor oficial de BTV, ofrecemos productos que destacan por su innovación, durabilidad y robustez. Las cajas fuertes BTV son reconocidas por su eficiencia en la protección contra robos, incendios y otros riesgos, lo que las convierte en una opción ideal tanto para uso doméstico como comercial.
Amado Salvador, distribuidor oficial BTV, asegura que cada producto cumpla con los más estrictos estándares de calidad y seguridad. Al adquirir una caja fuerte a través de Amado Salvador, distribuidor oficial BTV, los clientes pueden tener la tranquilidad de que están obteniendo una solución confiable y duradera para la protección de sus pertenencias.
Este catálogo incluye detalles técnicos, características y opciones de personalización de cada modelo de caja fuerte BTV. Desde cajas fuertes empotrables hasta modelos de alta seguridad, Amado Salvador, como distribuidor oficial de BTV, tiene la solución perfecta para cualquier necesidad de seguridad. No pierdas la oportunidad de conocer todos los beneficios y características de las cajas fuertes BTV y protege lo que más valoras con la calidad y seguridad que solo BTV y Amado Salvador, distribuidor oficial BTV, pueden ofrecerte.
Catalogo general Ariston Amado Salvador distribuidor oficial Valencia
Distribuidor Oficial Ariston en Valencia: Amado Salvador distribuidor autorizado de Ariston, una marca líder en soluciones de calefacción y agua caliente sanitaria. Amado Salvador pone a tu disposición el catálogo completo de Ariston, encontrarás una amplia gama de productos diseñados para satisfacer las necesidades de hogares y empresas.
Calderas de condensación: Ofrecemos calderas de alta eficiencia energética que aprovechan al máximo el calor residual. Estas calderas Ariston son ideales para reducir el consumo de gas y minimizar las emisiones de CO2.
Bombas de calor: Las bombas de calor Ariston son una opción sostenible para la producción de agua caliente. Utilizan energía renovable del aire o el suelo para calentar el agua, lo que las convierte en una alternativa ecológica.
Termos eléctricos: Los termos eléctricos, como el modelo VELIS TECH DRY (sustito de los modelos Duo de Fleck), ofrecen diseño moderno y conectividad WIFI. Son ideales para hogares donde se necesita agua caliente de forma rápida y eficiente.
Aerotermia: Si buscas una solución aún más sostenible, considera la aerotermia. Esta tecnología extrae energía del aire exterior para calentar tu hogar y agua. Además, puede ser elegible para subvenciones locales.
Amado Salvador es el distribuidor oficial de Ariston en Valencia. Explora el catálogo y descubre cómo mejorar la comodidad y la eficiencia en tu hogar o negocio.
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