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Showing posts from December, 2018

Computershare direct credit form

Print in CAPITAL letters. Terms of Business - These terms apply to the following services:. UK Financial Conduct Authority. If you have inherited shares or are managing shares for a deceased estate, Deceased Estate Assistant guides you through the process of transfer, sale or finalising the estate. Att direct deposit form. The most secure digital platform to get legally binding, electronically signed documents in just a few seconds. Available for PC, iOS and Android. Start a free trial now to save yourself time and money! Signing Instructions: This form should be signed by the securityholder. If a joint holding, all securityholders should sign. Direct Credit Form Sign here - This section must be signed for your instructions to be executed. If signed by the securityholder’s attorney, the power of attorney must have been previously noted by the registry or a certified copy attached to this form. Charges will apply for printed form requests. Shares, also known as sto...

Residential tenancy act nsw

When will the new tenancy laws change? Tribunal may terminate residential tenancy agreement. Status information. Currency of version Current version for 14. Please note that special rules during COVID-may affect some info in this factsheet. Act to bind Crown 5. Fairer pets laws leaving NSW behind. Today is the start of the new renting with pets laws in Victoria. While the ACT was able to implement their equivalent laws faster, Victoria was the first state to take. The termination notice must specify a termination date that is not earlier than days after the day on which the notice is given. The NSW Government has introduced tenancy law changes that apply to both landlords and tenants as a result of COVID-19. The residential premises are unfurnished. Both the landlord and the tenant must comply with these laws. Whenever a landlord in NSW grants a right of occupation of residential premises, or part of premises (including any land occupied with the premises) to anothe...

Embassy of finland

The diplomats and friends of the U. In response to significant worldwide challenges related to the COVID-pandemic, the Department of State has temporarily suspended routine visa services at all U. Finn representations in Portugal. The page also offers information about who is the head of the embassy , in addition. Please report any issues using the below comment. Finland embassy in other countries. The mission is also accredited to New Zealan Fiji, Papua New Guinea, Samoa, Tonga, Vanuatu and the Solomon Islands. To encourage its international recognition and promote its frontier, trade and mar. Check Visa Requirements. Start New Application. Passport applicants are encouraged to apply online. English Skip to main content. District of Columbia Washington United States. Ambassador: Dr Thomas Gotz. Netherlands embassy in Helsinki. Register your trip with the US Department of State! Has information about the Cyprus question, about the EU accession process, and a lis...

Chinese embassy canberra

On 19th Ambassador Cheng Jingye hosted a press. Visa applicants need to apply through Visa Application Service Center. Who is the British Ambassador to China? What are the requirements for a visa to China? The final design chosen is a Georgian style, examples of which could be seen in the 17th and 18th centuries in southern parts of the United States. Canberra is home to nearly embassies and high commissions. Most are in the suburb of Yarralumla. Take a leisurely drive and see traditional and modern architecture from many countries. Find the perfect chinese embassy stock photo. No need to register, buy now! China is an ancient land of spectacular history, culture, natural beauty and architecture. Find information on where to go, opening time when to call, how to find the embassy etc. Due to current health advice on social distancing, please contact the business for the most up to date information regarding opening times and services. While a number of Australian fir...

Child passport

It costs £to apply online and £58. A child passport is valid for years. Get a passport for your child or baby - renewals and first. Use the week Fast Track. You can renew a child passport at any time. You must also apply if your last UK passport was issued. If your child’s passport has been lost or stolen, you can. Your child can get a. This site won’t let us show the description for this page. All Canadian children under the age of need their own passport to travel. It’s valid until it reaches its expiry date, even after the child turns 16. If a child does not sign, the signature block on must be left blank. How to get a passport for your child? How do I apply for a passport for my child? What do I need for my kids passport? What is the minimum age for a passport? Note: between the ages of and 1 the child should sign the declaration (section 6) on the passport form in their own right. Our 7-step guide sets out what to do. Who counts as a chil...

How to start an art journal

How to become a famous artist? What is a painting journal? Also, be sure to for the mailing list to get the latest on art journaling tutorials, ways to use art to relieve stress, and inspiring artist interviews. Many people who start an art journal for the first time do not consider themselves artists, or even creative. It’s not as difficult as you’d think. Several years ago I was introduced to the idea of keeping an art journal. The one I started at the time combined my sketches with ideas I had for upcoming projects, snippets of quotes I liked. I really love moleskines. They paper is pretty good quality and they look pretty cool. Easy to decorate the cover, too. Well what did you used to draw. I am actually in the same boat as you. I decided I am going to start an art journal, something I saw on Pinterest. If you need beautiful printables to start this artistic journey, download my free beginner’s starter kit with loads of images to print and use. F...

Coffee business for sale sydney

Finest Gourmet Coffees from Vietnam Dragon Coffee Online Shop. Free Shipping Available. Money Back Guarantee! Check Out Top Brands on eBay. Fill Your Cart With Color today! Location: Penrith, New South Wales, Australia. Description: Summary Under management - the coffee club - western sydney - $30turn over - revenue $30pw rent $2pw Revenue $30pw Rent $2pw About the Business Under management. Cafe for Sale : Greater Western Sydney. We specialise in all types of Food businesses for sale. View Cafe Coffee Shop Businesses for sale inSydney CBD. Broker: Nick Poulos. This page will help you find Cafe and Restaurant businesses for sale , franchises for sale or shops for sale in Australia. Sydney , New South Wales, Australia Description: Cafe - espresso bar with minimal cooking. This is a very well established business with bot. Sydney Coffee Shops Available to Buy Today on BusinessesForSale. Want to be your own boss? Golden opportunity to pick up a cafe with a coffee roas...

Medicare online

A federal government website managed and paid for by the U. Then upload your evidence of Group Health Plan or Large Group Health Plan. Mail your CMS-40B, CMS-L56 an. You may be eligible for free vaccines. In MediCare we pride ourselves on the level of service we deliver and continue to deliver in the healthcare arena. The core competencies of efficient dispensing within a safe and regulated environment are always a priority and we have managed to develop these services by listening to what our patients’ current needs are whilst monitoring developments at Department of Health level to plan. If you want Part B, you need to for it. All call points are fitted with a cardiac or emergency pull on, push off switch. It is a CQC registered company that is owned and run by nurses who have over years of experience amongst them. PBS MEDICARE Size Large - Box of 1Best Price Bodyguards Disposable Powder-Free Vinyl Medical Grade Gloves. Get it Saturday, J. There are no forms to sig...

Residential tenancy agreement nsw

What is residential tenancy agreement? Can a landlord put a written agreement in NSW? When will the residential tenancy laws start? Both the landlord and the tenant must comply with these laws. The standard form of residential tenancy agreement is the form set out in Schedule 1. It is the landlords obligation to put the agreement in writing. Choose online fillable blanks in PDF and add your signature electronically. Manage templates from your PC, mobile and tablet. Reliable service without installation. A tenant is able to end their tenancy agreement by giving at least days’ notice if the landlord or agent fails to comply with any of the information disclosure obligations. A tenant can also apply to the Tribunal for an order to end the tenancy. A tenancy agreement is a legally binding agreement that can only be ended in certain ways. A tenancy will usually be terminated by the landlord or the tenant giving notice to the other party, with the tenant vacating by the d...

Child visa processing time

What is visa processing time? When can a child work full time? Can I view the current processing time? How long does it take to get a student visa? Global visa processing times will be updated monthly, providing you with an indicative timeframe for processing applications. The child should be outside Australia at the time of applying for this visa as well as when the department decides on its fate. Usually, the Australian 1visa processing time is around months for of the cases, especially if all documentation formalities are perfect. Under specific circumstances, the department can take more time. Adopted child or other relative. Your processing time may also be affected if more people apply to immigrate to Canada than we can bring in each year. Learn how processing times are calculated. We are committed to processing. Processing times service. Get a family visa for the UK, live with your spouse or relative - eligibility, proof, renewing, financial and English langu...

Child passport form

How to get your child a passport? How do I apply for a passport for my child? Do minors need passport? You can apply for a child passport if your child is under 16. It costs £to apply online and £58. A child passport is valid for years. Apply for a first child passport Apply online. It is taking longer than usual to process applications because of coronavirus (COVID-19). Your child needs to sign section if they’re or. Supporting documents. Children up to the age of should travel on a child ’s passport. Note: between the ages of and 1 the child should sign the declaration (section 6) on the passport form in their own right. The Passport Application Form is the first requirement for any kind of British passport application. Fill Out Form DS-11. Citizenship Evidence. Bring a Photocopy of U. Show Parental Relationship. Submit Your Completed. Forms for Special Situations 1. Reporting Your Passport Lost or Stolen (DS-64) You should complete this form if you...

Example of incident at workplace

How to report an incident to the police? Is a workplace accident a nonconsensual physical violence? What is an incident report? Most reportable incidents of this type occur on power systems energised at or above the mains voltage of 2V, although some occur at lower voltages. An overload occurs when more electrical current flows in a system than the system was designed to carry, leading to overheating and the possibility of fire. Of course, even the best prepared among us can still fall victim to accidents at work. Potential causes for accidents or injuries that occurred in the workplace could include: Primary causes (for example , an unsalted ice patch on a set of stairs that caused a slip and fall). It’s important to include the above information in as detailed and concise a manner as possible. An example of an incident report describing a severe injury in the Safesite app. To write an incident report , use a narrative format. Simply tell the story. Work injuries an...

Commercial lease lawyers melbourne

Commercial Lease Lawyers in Melbourne , Sydney and Australia wide Specialising in retail and commercial leasing for shops, restaurants, bars, offices, petrol stations and industrial sites across Australia. Commercial lease lawyers working with clients from all across Melbourne , Sydney and Australia wide. Compare ratings, reviews, and experience so you can hire the best. You can seek legal advice from our retail and commercial lease dispute lawyers in Melbourne. Our expert commercial lease lawyers deliver best at competitive prices. When you need expert legal advice regarding commercial leasingmatters , PCL Property Lawyers Melbourne is the best choice, with a dedicated team of professional commercial lease lawyers and solicitors available to provide quality legal advice. Rose Lawyers are experts in all three. We can also help with transferring commercial leases because when you sell a business, your lease does not automatically transfer to the new owner. Retail Leases form...

List of australian registered companies

Official company extracts. Alternatively, download the complete list. This list is updated at approx. ADMIRALTY RESOURCES NL. For further information on the types of business entities in this country and their abbreviations, see Business entities in Australia. It has a market economy, a relatively high GDP per capita, and a relatively low rate of poverty. Service alert: Recent search purchases. Financial advisers. Professional registers. What is Australia company name? The information will change depending on the company or organisation you are searching for. Also listed are the headquarters location, net profit, number of employees worldwide and industry sector of each company. It provides access to publicly available information supplied by businesses when they register for an Australian Business Number (ABN). We incorporate and dissolve limited companies. We register company information and make it available to the public. Companies House is an executive agenc...

Dubai company register

How to register a company in Dubai? How do you register a company? Verify business licences. Several channels and platforms can be used to get information about a business licence. Safeguarding your details. The DMCC member directory is proprietary information and published with the express consent of our member companies. We provide top-quality company formation services across Dubai and the other emirates of the UAE for all companies and individuals for set ups in this tax efficient region. This site is maintained by the Dubai Statistics Center Mention compliance level with WCAG 2. Registries in Oceania. All charges and fees must be paid at this stage. You should get a license after about a week from step 5. Let discuss how to register a company in Dubai if the directors are foreigner. Company registration in Dubai. Every year foreign companies attracted into doing business in the UAE. Any business of any category must have a ‘trade’ license in Dubai. ...

China visa new zealand

Global Brands Coverage. On-time Shipment Protection. Visa validity is the length of time you are permitted to travel to a port-of-entry in mainland China and starts from the ISSUE DATE shown on your Chinese Visa. Requirements can be checked here. This is a tourist authorization that is issued to tourist groups of at least people traveling together to China. What is a Group eVisa? We also reserve the right to review, delay, refuse and cancel your application without providing specific reasons. Based on the individual circumstances, the validity of a visa , length of. However, that should not be something that scares. Most Western visitors to the Hong Kong Special Administrative Region (HKSAR) of the People’s Republic of China do not require a tourist visa issued in advance of travel. While you’re here, you can study and work while you enjoy your holiday. Applicant is not required to be present when applying for visa and a total of documents are required. Y...

Drink driving canada visa

Avoid a driving ban and criminal record. In drink driving cases it is possible to have your driving ban. In Canada , however, driving while impaired is seen as a more serious crime and is likely to cause a person who has been convicted of the crime to be denied entry into Canada. Can you get a visa to Australia from drink driving? What is Canada DUI entry? Is impaired driving a crime in Canada? Unlike typical traffic tickets like speeding and running red lights, drinking and driving is a criminal code violation in Canada (or, as US TV shows like to say, a federal offence). Across Canada , impaired driving is driving with a blood alcohol concentration (BAC) above. It is a serious offence to fail to give a breath sample when requested by police, with. Drunk driving charges are processed under a variety of names worldwide, but they all equally have the potential to create issues of criminal inadmissibility for foreigners entering Canada. A drink driving conviction could jeo...

Cisg summary

What is the role of the CISG? Most Western countries are now signatories to the CISG. Its purpose is to eliminate any ambiguity caused by different domestic laws concerning the international sales of goods. The United Nations Convention on Contracts for the International Sale of Goods (“the CISG”) is one of the most successful international commercial law treaties ever devised. Popular Terms UN-sponsored convention that establishes uniform-rules for drafting international sales contracts, and sets the legal rights and obligations of the seller and the buyer under such contracts. Taking a first look at UNILEX, one can identify decisions from different countries in which. These are summaries prepared for the Pace database. CISG Annotated Table of Contents. Also there are dissimilarities which are faced between Civil Law Jurisdictions and Common Law Jurisdictions is some aspects of the contract. A period of time for acceptance fixed by the offeror in a telegram or a...

Lpa airport

Flightradaris the world’s most popular flight tracker. Other airports in the Aena network also exceed million passengers: Palma de Mallorca , Málaga-Costa del Sol , Alicante-Elche and Tenerife Sur. It was formerly known as Gando Airport after the bay beside which it was built. It is an important international hub and is Spain’s fifth busiest airport. It is defined from other airports by its official code of LPA. With a focus on helping you choose car rental, getting to and from the airport to your hotel accommodation, finding parking at or near the airport. Gran-canaria- airport. The lowest fixed prices. LPA Departure Filters. Airline (optional) Date. Time Refine Search. No current flights. Klarte Ã¥ fÃ¥ oss til Las Palmas airport til rett tid. Shuttle Direct have never let me down. I have used them for some years now. In the first case you will leave from the forward exit, and in the latter, you will disembark from the rear or front exits and be directed ...

Dura wills

We have the very latest machinery from laser cutting, punch presses and press brakes, to CNC panel benders. Dura can assure you of consistent quality, time after time. They used the trademark attorney firm Norton Rose Australia to file this trademark. We are a leading global supplier of composite products for flooring, structures and facades. DURA Automotive Systems is a global automotive supplier specializing in the design, engineering, and manufacturing of solutions driving the evolution of mobility. For more than 1years we have been recognized by leading vehicle manufacturers as a preferred supplier of mechatronic systems, and lightweight solutions. Most meningiomas are slow growing tumours, although some can be faster growing. This information is about meningioma in adults. For more information about meningioma in children, contact the Children’s Cancer and Leukaemia Group. God wills it: The principal slogan. Ulpian, Digesta Iustiniani, Roman jurist of the 3rd c...

Example of flexibility at work

What does being flexible at work mean? How to demonstrate adaptability on the job? Flexibility is an important trait for employees. By definition, the term flexibility means the ability to bend or adapt to changing forces. Being flexible when it comes to work is worth a lot. Employees who approach their. When you are flexible, you are able to deal with unexpected challenges quickly, calmly and efficiently. It also involves making. When assessing adaptability and flexibility , recruiters may look for someone who can show: Intellectual flexibility – keeping an open mind is important. You should be able to demonstrate that you can integrate new information and draw conclusions from it, and that you can switch from the detail to the big picture. If the role or sector requires a great deal of flexibility in terms of working hours or in decision making, you are likely to be asked what you know about the job, in part to see if your expectations are realistic. The employee has...

Dual citizenship ireland australia

You’d have to give up your original nationality before taking up your new citizenship. What is dual citizenship Australia? How can I get dual citizenship in England? Dual citizenship (also known as dual nationality) is allowed in the UK. You do not need to apply for dual citizenship. You can apply for an Irish passport without making an application for citizenship. Which major countries do allow dual citizenship with Australia ? Every country has its own complex nationality laws, though, so you’ll need to check the precise details with the other country - their embassy might be a good place to start. Australia dual citizenship does not seem to have been fully tolerated by the Australian Government, since the loss of Australian citizenship occurred quite easily if a person acquired a second citizenship. By being double nationals, persons would not be allowed to keep both their Australian citizenship as well as the second nationality that they would have acquired...

Commercial tenancy act sa

Attorney-General: Gazette 30. Retail leasing Home Retail leasing. Minister for Innovation and Skills: Gazette 22. Although there are some exceptions, a retail shop lease is a lease of premises, situated in a retail shopping centre, at which goods are sold or services are provided to the public. Part 1—Preliminary. Application of Act. This Act overrides leases. When the lease is entered into. The information provided on this system is not for residential landlords and tenants. Where a tenant after the tenant’s lease or right of occupation, whether created by writing or by parol, has expired or been determine either by the landlord or by the tenant, by a notice to quit or notice pursuant to a proviso in a lease or agreement in that behalf, or has been determined by any other act whereby a tenancy or right of occupancy may be determined or put an end to. Firstly, a commercial tenancy does not cease at the expiration of a fixed term or periodic tenancy. Secondly, upon ...

Lost stolen licence

This service is also available in Welsh (Cymraeg). You should report lost , stolen or damaged licences through your personal online account. We will then send you a replacement, which will have a different licence number. However, you must file a Western Australian (WA) Police report. Please provide the police report number in your application to waive the application fee. Replace your licence. If your temporary paper licence is lost , stolen or damaged before you receive your new car you can get a copy of it online – visit Reprint a NSW driver licence receipt. How to replace lost license? What to do about lost or damaged license plates? You will have to apply for a temporary driving licence at an additional cost while waiting for your driving licence card to be issued. Cancel your old licence. Get a replacement licence. ORG to learn the requirements for your state. A quick search of our. If your most recent driving licence or learner permit has been lost , stolen...

Child passport application

It costs £to apply online and £58. A child passport is valid for years. Get a passport for your child or baby - renewals and first. Apply and pay for the passport online. If your child’s passport has been lost or stolen, you can. This site won’t let us show the description for this page. All Canadian children under the age of need their own passport to travel. Your child ’s passport will be valid for a maximum of years. It’s valid until it reaches its expiry date, even after the child turns 16. You must get all the documents ready and apply for a new one. You can’t renew your child ’s passport. How to get your child a passport? Do young children need passports? Do minors need passport? I'm under and live independently. How do I complete a passport application ? Our 7-step guide sets out what to do. Who counts as a child ? Guardians can give their consent on a child ’s passport application in the following ways: For online r...

Child wants to live with dad

When parents separate, where the children live , how much time they spend with mum or dad , can be hard to agree. Sometimes a child. Jude Clay, 3 who runs single parenting blog Gluing. Your teenage child wants to change homes and live with your ex. Story continues below advertisement. His mother responds. The summers with his dad are no longer enough for Winston. He wants his dad full-time. How could I forgive myself if I said no. Your child ’s decision to live with their other parent is not a slight against you. And to be able to separate your feelings about your child ’s father away from their relationship with their father is huge. Not many divorced people are capable of doing that. You are a good parent for putting your child ’s happiness above your own. That’s why good dads have opened ISAs for their. Ask Amy: Teen wants to go live with Dad , Mom says no. By Amy Dickinson Dear Amy: I am a 15-year-old girl who is in the middle of a cust...

Cheese making kit

Fill Your Cart With Color today! Find It All On eBay with Fast and Free Shipping. Make your own cheese with the bestselling cheese kit in the UK with over 150sold so far. We stock 4independent retailers nationwide including Selfridges and The National Trust. Our customers love how simple cheese making is with our kits and how delicious the end product tastes! Appetising fresh cheese to be eaten the same day, flavoured with any additives, make the perfect light summer lunch or supper. Hard and Soft cheese making kits. Buy the best cheese making kit to suit your needs. Cheese Making Kit - Make Over batches of Soft Cheeses. It’s nicely presented and has enough varieties of cheese to learn the different techniques and styles, for example, you can make mascarpone or ricotta, or more unusual cheeses like a Greek-style one. The ingredients are both gluten-free and vegetarian-friendly, too. All of our cheese making kits are designed not only to be fun to use, but also to mak...

Examples of social crime prevention

What are some examples of crime prevention? What is environmental crime prevention? There are a variety of social conditions that lead to a high level of what we call “street crime ”. These would include poverty, lack of opportunity, poor education, wrecked family structures,. This strategy involves engaging the offending age in various community based activities which invariably bring together children, youths and some marginalised groups in the community. Emphasis is on vulnerable groups: physical challenge women, children, and the aged. Social Crime Prevention focuses on the social and economic conditions that contribute to violent and criminal behaviour. Expenditure on crime prevention measures must be regarded as an investment whos. Social crime prevention is interventions to stop people committing crimes, which can include media campaigns. It involves trying to assist persons to lead a normal life so they do not have the need to commit crime. Crime preve...

Changing name on tenancy agreement

Can a landlord change the tenancy agreement? What is tenancy transfer? Why do I need to update my tenancy agreement? If you have changed your name from what is on your original tenancy agreement or lease due to marriage, civil partnership, divorce, dissolution of civil partnership or by deed poll you will need to complete the online change of name form. The tenancy agreement is a contract between you and your landlord. It may be written or verbal. Change or correct a tenant ’s name on your tenancy You might want to change a name on your tenancy agreement because your name is spelt incorrectly or because you have changed your name. Changing name - Change Tenancy Agreement ? Because of the domestic violence issue this could be a recipe for disaster. A tenancy agreement cannot usually be changed unless both parties agree to the changes. If both parties agree, the change should be recorded in writing either by drawing up a new tenancy agreement or by amending the existing...

Rfid travel wallet passport

Best selling brands at great value prices. Support Small Businesses. Shop Unique and Thoughtful Gifts at notonthehighstreet. RFID Travel Wallet - Passport Family Holder Travel Document Organizer Case Id Wristlet (Rose Gold) 4. What is the best wallet for travel? Can you wear a wallet in your pocket? This passport wallet doubles as a handbag, so you’re set if you want to travel light, and it also features that nifty RFID -blocking technology that’ll keep your important items safe from. FREE Delivery on your first order shipped by Amazon. The wallet is a long holder and no passport will fit perfectly in your pants pocket, but the slim design of the passport wallet does make it possible. Most surprising is the that Saddleback has managed to implement an RFID shield in this wallet made from full-grain boot leather. High-quality materials used in the travel wallet receive support from a 100-year warranty from Saddleback, this. YALUXE RFID -Blocking Passport Clutch...

How to write a memorandum

What are the steps to writing a memo? When to use a memo? Write the memorandum title You need to mention that this document is a memorandum at the outset. Keep the word in bold on the first line. You can either choose the centre alignment or align it to the left. In official instances, a memo is usually written by the organization heads, but even students at different levels of education may be examined on the same. It is only used within a business and so there is no need for a full external address to be shown. However, you might need to show an internal. There are many different types of reports - scientific lab reports, business reports, systems analysis reports, management case study reports, feasibility studies, client case work reports. All of these different reports have their own. Business memorandum or memoranda — also called memo or memos — are specially formatted written communications within your business. If you have something confidential to communicate, do...

Change youtube name

Thankfully, the process is relatively quick and simple when you know the steps to follow. However, if you create a brand channel, you can have a separate channel name. If your channel is very ol it was already converted into a brand channel. YTAdvise 055views. You can change the name of your channel at any time. You don’t have to feel tied down to a name. However, you can’t realistically expect to keep all your subscribers. To check availability on , Reddit, Twitter, Twitch and other social networks, simply tap on the name you like. If that particular name is taken, try adding some variations, such as extra characters, prefixes or suffixes. A deed poll is a legal document that proves a change of name. There are ways to get a deed poll. Press the edit button next to your current name , then you can change your name. If you want to change the username of channel so you can easily change username. The names I have used in this generator consist of many video-re...

Change what you can quote

Legally change your name by Deed Poll today. Guaranteed service. Full Customer Support. What are change quotes? You can quote them, disagree with them, glorify or vilify them. About the only thing you can ’t do is ignore them. Because they change things. They push the human race forward. And while some may see them as the crazy ones, we see genius. O Go give us the serenity to accept what cannot be change the courage to change what can be change and the wisdom to know the one from the other. Wygal was a longtime YWCA official and all early recorded usages were from women involved in volunteer or educational activities connected to the YWCA. You don’t have to burn any incense, and you definitely don’t have to sit on the floor. The only thing that is promised in life is change … and death and taxes if you ask Ben Franklin. It propelled Barack Obama to the highest office in the land and it can also buy you a soda from the break room. Change can be a gr...