Thursday, September 13, 2012

Free collective Death Records - How to Run collective Death Records For Free

--Us Census Records of Free collective Death Records - How to Run collective Death Records For Free--

the full details Free collective Death Records - How to Run collective Death Records For Free

Public death records are one of the most leading records in the entire lifespan of every resident of any country. It is equally leading to the government and community that the deceased used to live and work in just as the birth records. While the means of accessing such facts can vary from district to district, and state to sate, ultimately, there are only 2 ways to check. One can whether find free public death records or pay a fee.

Free collective Death Records - How to Run collective Death Records For Free

People need public death files for assorted reasons. It could used for the apportionment of inheritances, or to trace direct house members and relatives or even for criminal investigations. Other than the death certificate, you will also find birth records and other personal records of the deceased.

When searching for free public death records, here are some legitimate methods to do it.

1. Government Offices

These are dependable sources of records. In fact, the police and census departments are places where you can find death records. However, in order to start your search, you will need to seek for the authorization whether via a form or in writing.

The problems with searching for free public death records here is the length of time taken and capability of report. Authorization and clearance can be tedious. It is not easy for a lay man to understand the article of the jargon-filled records as well.

2. Hospitals and Obituaries

These are another source of death files. After all, most deaths will go through the administration of hospitals and obituaries. From here, you will be able to find the death certificates and know the full cause of death.

3. Local community Offices

Free public death records can also be found in the local community offices. Ask to do a check there. But most of the records are updated only occasionally, sometimes quarterly or even annually. So if the death is recent, you probably will not find the reports there.

Whichever place you go, it will take time and effort. Sometimes, you may not even find what you want after weeks of search. If it is genuinely leading for you to find and retrieve the records, forget about free public death databases. Paid public report directories online are your best occasion to find your desired information.

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Wednesday, September 12, 2012

House History - Using State Census Records to study Your asset

--Us Census Records of House History - Using State Census Records to study Your asset--

the full details House History - Using State Census Records to study Your asset

Through census records you can gawk the names of every person who lived in the house you are researching at a given point in time. Federal records came out every ten years starting in 1790. In an earlier article I described how to use the federal census when researching house history. Have you been unsuccessful in locating your property owners in the federal records? Because the federal census was only taken every ten years (and the 1890 returns are missing altogether) sometimes we lose track of who was living at the home we are researching because the property changed hands during the in-between years. State and territorial records - which are records taken before the area officially became a state - can help you fill in some of the gaps. Like the federal records, the state and territorial censuses often list the names, ages, state or country of birth and occupations of each resident. Likely they will show whether the resident owned or rented the property as well. Unlike those taken by the federal government, which are ended to the social for 72 years from the date the records were recorded, some states census records are released sooner, which can be of great advantage to researchers.

House History - Using State Census Records to study Your asset

Not all state records are created equal, so what you may find will vary greatly depending on the state. Some states such as Connecticut, Idaho, Kentucky, Montana, New Hampshire, Ohio, Pennsylvania, Vermont and West Virginia did not guide any isolate censuses at all. Others comprise agricultural schedules listing farms and farm products. These schedules can help fill in when tax and other land records cannot be located. Wouldn't it be fun to find out what crops were grown at your property?

If you happen to be researching property in a state that did not have its own census, check and see if the city, town or county where the property is settled perhaps conducted any special censuses. These might be found under school censuses, sheriff's censuses, and a range of ethnic censuses.

So where can you find state and other special census records? There are a amount of good genealogical sites online where you can guide a quest of census records looking for your homeowners. Searching for state census records in your beloved quest engine will show you the most coarse sites. Some of the sites need a subscription, but there are a amount of free sites available. Larger libraries offer free way to the paid subscription sites as well.

Census records are just one more tool for you to use when trying to build the previous owners of your home or property.

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Tuesday, September 11, 2012

Should You Rent Out Your Home or Sell It?

--Us Census Records of Should You Rent Out Your Home or Sell It?--

that guy Should You Rent Out Your Home or Sell It?

This is a beyond doubt tough time to be selling a house. If you have your house for sale, you already know that.
There are tons of homes on the market meaning you have lots of competition for noteworthy buyers. Buyers want foreclosure prices even if your home is in excellent condition. Buyers have so much to pick from that they want all the bells and whistles - hard face countertops, hardwood floors, fireplace, deck, fenced yard, fresh paint, new carpets. And, again, they want foreclosure prices!

Should You Rent Out Your Home or Sell It?

Add to that the decline in housing prices. Are you "upside down" on your mortgage? (Do you owe more than your house is worth?) Or, even beyond that, can you sell your home for enough that you don't have to write a check at the conclusion table?

Selling a house is expensive! First, you have to discount to compete, then there's the real estate commission, conclusion costs, survey, inspection, repairs after it's been inspected, current year property taxes, attorney costs, recording fees - where's the profit?

I feel your pain because we buy and sell real estate every month. Selling has all the time been the hardest part but now it's harder than ever.

May I make a suggestion? If you don't Have to sell, don't. Here's How.

Is it possible you can rent out the house that you have now and move to an additional one home? Did you know that you can show your lender that you have a tenant in the property, that you're not responsible for the monthly cost and, after 6-12 months, still buy an additional one property? Yup.

That is, of course, if all things else on your credit record is satisfactory. If you qualify for a loan now, chances are you will still qualify when you turn your current home to a rental rather than selling it. The lender will credit 75%-80% of the earnings you receive from your tenant as earnings to offset the price of your property. If you're renting for more than your monthly overhead, that division can beyond doubt wash out the price of your rental property on your new loan application.

The great thing about this is that it allows you to hold the property until the market turns around, maybe slow but it all the time does, and then sell for a behalf at a time to come date. Remember, you don't lose money on it until you sell.

Not interested in being a landlord? Hire a property management company. But before you do, check them out to make sure they're reputable and collate their services with others in your area.

According to census data analyzed by Harvard's Joint town for Housing Studies and The connected Press, the amount of singular house rentals nationwide jumped 2.3 million from 2006-2010. During the first half of the decade, it increased only 720,000. Since the housing meltdown, nearly 3 million households have become renters. At least 3 million more are improbable by 2015. Rentals are on the rise! Should you rent out your home rather than sell it? Home rights is at its lowest point since 1998 and has declined for 6 right years. If your home is sitting on the market not selling, you may want to think renting it out to cover your costs and waiting until values come back before selling. Let's look at some pros and cons of renting versus selling.

Renting - pros
renting your home prevents selling now at a loss or losing your home to foreclosure renting your home "should" cover your costs of rights so you can move on without the concern of that overhead renting, over time, "should" originate an earnings stream for you and your family someone else is paying down your mortgage

Renting - cons
Tenants could damage your property. We hear this concern a lot but, fortunately, it never deterred us. 95% of all tenant "damage" is normal wear and tear and the costs to vocalize a rental property are, over time, much lower than the value gained. If you continue to try to sell your home while tenant occupied, it could originate challenges. It may be more difficult to rent out if possible tenants know that possible buyers will be walking through and the house could be sold out from under them at any moment.

Selling pros
The money you make from the sale can be applied to the new purchase. No tenants to worry about.

Selling cons
You may have to sell at a significantly reduced price, even a loss. You eliminate possible gain in value when the market turns around. You give up the occasion for earnings and to have a tenant pay down your loan balance.

If your house is not selling, don't think you have to walk away, allow it to go to foreclosure or attempt a short sale. All of these "solutions" will cost you time, money and will negatively succeed your credit. Putting a tenant in who can more than cover the cost of your monthly overhead on your current home is an excellent way to avoid taking a loss in the current real estate market. As less noteworthy buyers look at more homes on the market, your options may be leading you to this solution. What did you decide?

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New Challenges Presented by building Cost Estimates

--Us Census Records of New Challenges Presented by building Cost Estimates--

see New Challenges Presented by building Cost Estimates

The last combine of years have been known as a time when the world cheaper went straight through a terrible time; the subsequent effects on the building manufactures were not good. This resulted in this period being one of the most volatile on narrative when it comes to pricing of building supplies, materials and services.

New Challenges Presented by building Cost Estimates

However, there is still some good news. Contractors in the building manufactures will be glad to hear that the normal demand for new industrial and residential structure has been on the increase recently. This is especially the case in the United States. Agreeing to the U.S. Census Bureau of the department of Commerce, as of August 2005 building spending was estimated at a seasonally adjusted each year rate of ,108.5 billion, 6.1 percent above August 2004. While the first eight months of 2005, building spending amounted to 3.7 billion, 9.0 percent above the same period in 2004. From July to August 2005, the fastest growing segments of the building manufactures were highways and nonresidential private construction. This means that it outpaced the rate of increase in residential and all other facets of social construction.

The demand towards new building is steadily growing. One would thus think that this is good news for carport building costs. Unfortunately, this is not the case at all. External military have resulted in exceptional rate increases for a wide range of integral building supplies, raw materials and services. This fact has made the process for long term cost projections more difficult now than it's ever been.

At times when some of the most used raw materials such as petroleum, concrete and steel experience double-digit inflation rates, the number of time for which material suppliers, subcontractors, normal contractors and cost estimators can commit to pricing becomes shorter. industrial building fellowships that have an established name in the manufactures ordinarily have good relationships with major subcontractors and suppliers, as well as the expertise to supply as much pricing data and commitment as possible. However, fact of the matter is that the global cheaper and the effects of natural disasters influenced all role players in the building process when it comes to projecting building costs on the long term. Seeing as prices for the core raw materials are expanding at eight to ten times the economy's inflation rate, it is thus no surprise that it is very difficult to commit to pricing any months in the future that is still cost-competitive.

Because the volatility of raw materials and supplies will continue for some time into the future, developers must find some other ways to compress the building agenda and work with important manufactures partners to increase the legitimacy of their scheme budget. Examples include:

Making experience with a normal undertaker of a package deal or building manager early in the process is a good way to operate time in the first planning phases. This is because these experts understand permitting and other legal requirements and can ensure all documentation is filed completely and in a timely manner, reducing agenda delays early on. Tilt-up building and Fast Track are building approaches that have right on reduced the timetable for delivering a building project. Certain building owners are starting to take a more active role in the building and form processes and are functioning as a team member to streamline communications and also strive towards completing projects faster

Both developers and firm owners should thought about operate these approaches and only work with normal contractors who have a connection with capability suppliers. This will maximize their capability to scheme and funds building costs accurately right straight through to the end of the building's building process.

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Problems In Managing Government Publications In scholastic Libraries In Sierra Leone

Introduction

In Sierra Leone the terms 'official publications', official documents', and 'public documents' are synonymous with government publications. Government publications, naturally put, are documents created by government and local and quasi-government bodies explaining and integrating views and polices. They report the historical and current development authorities of government and supply data on a wide range of subjects to include Political Science, Economics, Finance, Statistics, Labor, Industry, History, International Relations, Agriculture, Geology and Meteorology. Katz (1997) classed these publications into: (1) records of government supervision (2).research documents for specialists together with a indispensable whole of statistics and data of value to science and business (3).popular sources of information. Their physical form being whether a book, pamphlet, magazine, report monograph or electronic, especially Cd-Rom (p.387).

Bibliographic operate in many parts of the world is seemingly unsatisfactory due largely to lack of awareness of the significance of bibliographic tools in explore in government publications. The United States of America, for example, was for a long time a pioneer in this field. As far back as 1895 the Printing Act of January 12 of that year (28 statute, 601-624) not only established centralized printing and distribution of federal documents but also instructed the Superintendent of Documents to supply thorough tools for bibliographic operate of the documents published. Great Britain is an excellent exception for as far back as 1807 collections of parliamentary papers were printed. Countries such as Sweden, Italy, Netherlands, Germany and Japan began separating government document bibliographies mainly in the 1920s and 1930s (Palic,1975). Any way a great need for the use of government publications was felt following World War 11 (1939-1945), when there was an increased interest in the authoritative data contained in such publications as posited by child's (1942) in his initial notes that 'more and more the significance of government documentation is being recognized despite the refractory nature of some of these materials'

In parallel the emphasis made on the usefulness of government publications in Sierra Leone is related with the development of printing which can be traced as far back as the founding of the Colony of Sierra Leone in 1787. Although the industry didn't survive the French attack of 1794 the foundation stone of what later became known as the Government Printing department was laid in 1925 when it was charged with the production of small notices for official use. Currently the department prints all government publications and supplies stationery and office tool of government departments. It also undertakes a fair whole of industrial printing as income generating measures.

Government publications ordinarily have the advantage of being among the best in their subject fields often not categorically available to others (Smith, 1993). In lieu of the extent and complexity of government activities there is a need for the comprehensive dissemination of data about these activities and for favorite integration of government policy. No wonder why government publications have extra value to schoraly library collections and their authority is permanent. In schoraly libraries in Sierra Leone these publications are put aside into a extra range manned by a curator as at Fourah Bay College Library. Some are kept in vertical files; others are placed in pamphlet boxes, while those like maps and surveys are given specialized storage. These publications are acquired mainly by purchase, deposit, donation, transfer and photocopying. The Government Printing department is responsible for their publication

Divisions Of Government And Their Publications

The expansion of government in Sierra Leone's post-war reconstruction era at local, national and international levels has resulted in expanding her affect on the life of the citizenry. Simultaneously with this expansion is the proliferation of official and semi official agencies, commissions and bureaus which continue to release works such as directories, regulations, reports, bills, Acts and technical literature which many a researchers, educators, communal service functionaries, welfare recipients and the unemployed can not do without reference to such publications. Since librarians serve as interface between users and government they have for long recognized the problems which such a plethora of range can pose and have been making sizable strides to address the issue. The essence here is to supply systematic controls to avoid the disappearance, into oblivion, of indispensable official publications.

In Sierra Leone government publications fall within three normal classes: Executive, Legislative ands Judicial. The menagerial publications include those issued by the Offices of the President and the Vice President, and discrete independent offices and establishments such as National Commission for communal action (NaCsa), National income Authority (Nra), Anti Corruption Commission (Acc), National Commission for Privatization (Ncp) and the Office of the Ombudsman. Also included are government ministries such as the Ministries of defense; Education, Youth and Sports; Foreign Affairs and International Co-operation; Tourism and Cultural Affairs; Local Government and community Development; Agriculture, Forestry and Food Security; Trade and Industry; Internal Affairs; labor and industrial Relations; and development and Economic Planning.

The Ministry of Trade and Industry, for example, is responsible for both internal and international trade and the promotion of exports. It has powers over customs and excise, tariffs, insurance, patents, trademarks, standards, weights and measures. The Ministry of Foreign Affairs and International Cooperation is responsible for Sierra Leone's relationship with foreign and Commonwealth countries while the Ministry of Agriculture, Forestry and Food protection is responsible for administrating government procedure on agriculture, horticulture and food security. This Ministry offers practical advice to farmers, industrial producers of horticultural crops and research.The Ministry of Internal Affairs deals with the maintenance of law and order, the Police and Fire Forces, supervision of the prisons and the treatment of offenders. Other miscellaneous matters dealt with by this ministry include explosives, firearms, hazardous drugs, prisons, shops, communal safety, entertainment, cremation, bylaws and good rule and formal business. The aforementioned functions and similar ones carried out by other ministries need the creation and maintenance of publications. There is also documentation of press briefings given by the discrete heads of ministries and newsletters, which are channels for respective ministries there-by making them more public-relations conscious.

Legislative publications include the records and debates of Parliament and the reports of hearings of the discrete Parliamentary Committees. Included here also are multiple procedure statements in reply to parliamentary questions. The Hansard is an additional one rich source for communal matters as it provides official data and views about parliamentary debates.

Publications from the Judiciary subject of government consist mostly of reports of government decisions by the Magistrate, Appeals and supreme Courts. Found in this arm of government are law books, 'annual registers', state trials and rulings, the constitution, international treaties, protocols, peace accords, Acts, bills and digests of local newspapers. These publications supply the judiciary with pertinent data on multifarious legal matters. Such data is required to be factual and politically impartial.

The City and District Councils, being quasi-government institutions, supply documents classified as government publications. These include construction codes, educational development, health and sanitation, regulations on waste disposal, use of firearms and fire machines. Also there are government departments which supply statistical data on a vast range of economic, industrial and communal demographic data. Of central significance are Statistics Sierra Leone (formerly Central Statistics Office-Cso), responsible for national habitancy census and home surveys; the Office of Births and Deaths which registers and produces yearly statistics of births and deaths in the country; the Office of the Registrar normal responsible for statutory registration of marriages, patents and trademarks; the accommodation of industry which specializes on business information. These offices bring together prominent economic and communal statistics supplied by government departments. Other prominent government departments are the Meteorological Office, which continues to give pertinent weather information, and the National Archives, which serves as repository of all non-current government publications inclusive of national newspapers. The afore-mentioned government publications vary in size and length. Written by experts in the subject, government publications are not only authoritative but also timely published and deal with topics of current interest. Their purpose, according to Katz (1969), is to supply data and reply questions and not to provoke conference or organizational cataloging and administration. They are beneficial traditional reference sources.

Academic Libraries In Sierra Leone

Academic libraries in Sierra Leone are those in the constituent units that form the country's two universities, namely the University of Sierra Leone and the University of Njala. These libraries report the bibliographic foundation of the nation's explore interest. They partake actively in the distribution and transfer of book and non-book materials to sister institutions all over the country. Collectively these institutions serve students, faculty, scholars and researchers that are engaged in work in the sciences and humanities as well as the normal public. These libraries have combined resources of over 500,000 volumes, most of which are of unique scope and quality. Included in these immense collections are government publications such as treaties, Acts, statistical tables and compilations, conventions and records of gentle relations, reports of government departments, committees, bureau and commissions, census schedules, proclamations and laws. The maintenance, preservation and development of these publications are responsibilities shared by schoraly librarians as their libraries continue to serve as national resources.

Justification For The development Of Government Publications In schoraly Libraries

Varied reasons have been advanced for the inclusion of government publications in schoraly libraries in Sierra Leone. The purposes of the country's universities are teaching, service, explore and interpretation and dissemination of research. community views government as a trustworthy and impartial source of authoritative data that should be accessible to its citizens through its numerous publications. Since schoraly institutions deal with students who in turn will be future citizens these should be informed accordingly. Government's stance should be known when there is communal conference on health, international relations, education, agriculture, communal protection and trade, to cite a few examples. Thus the need for the development of government publications in schoraly libraries as such materials could speak for the government in discrete activities. Additional schoraly libraries have the objectives of preservation, conservation and service. And government publications form part of society's cultural patrimony which need conservation and preservation not only for explore purposes but also for posterity as tangible traditional sources of data which academics can permanently refer to. Exiguous wonder why as a quantum of bibliographic operate of these publications librarians continue to supply catalog's, checklists, guides, indexes, accessions lists and premium normal bibliographies containing sizable data on government publications.

1991-2001 was a period of doom in Sierra Leone as it marked the civil war. Fought as a ensue of bad governance, nepotism and immense corruption it led to the un-wanton destruction of lives and properties. indispensable government buildings0 destroyed to reckless abandon included the National Treasury, Sierra Leone Police premises, law courts and the offices of the Freetown City Council all of which housed prominent documents permanently consulted by researchers, government functionaries and the public. Not withstanding the country is slowly recovering with the re-establishment of local government, multi-party democracy, improved human, women and child rights, the provision of a conducive climate to investment, and a new system of schooling (6-3-3-4), to cite but a few developments, the effective doing of which requires constant use of government publications.

The broad programs in schoraly institutions include many areas of life with the teaching of historical and geographic concepts; scientific studies are undertaken for improved health and food security; international relations and inter-religious comprehension are fostered. Also contemporary community life and the philosophy of democracy, peace and conflict resolution, good governance, human proprietary and other ideologies are taught in order that inspiring decisions could be drawn. These designed educational programs bring enrichment and data to students in such fields as economics, government, health and sanitation, agriculture, international relations, human proprietary and diplomacy. In maintain of these discrete disciplines schoraly libraries supply huge collections to include local materials some of which are in the form of government publications whereby students, faculty and researches could share their experiences and interests and produce satisfactory personal adjustment with regard discrete government functionaries in society. By so doing students are provided the opportunity to grow in communal usefulness and produce their intellectual interests and capabilities in order to become responsible members of society. This in turn could help promote nationalism. In lieu of these factors schoraly libraries attempt to supply liberal collections to include books, serial publications, audio-visuals and government publications.

Problems

Government publications are among the most beneficial materials in schoraly libraries in Sierra Leone. Apart from the communal library, the national archives and parliament library which serve as repositories for such publications schoraly libraries continue to produce these publications in their huge collection. Any way such moves are not bereft of problems. These range from poor formats through lack of trade bibliographies to unsatisfactory methods of distribution. The basic qoute to all these libraries is the volume of publications received, much of which is nothing but raw data and statistics used to maintain arguments or gathered more for the sake of gathering rather than for any definite reasons. Since these libraries have Exiguous space to house their numerous collections the continued acquisition of government publications poses problems to staff.

Academic libraries accumulate government publications mainly by donations although a few are acquired by purchase, transfer and photocopy. Once these materials are received they are foreseen, to be processed and organized for use in the library. Sadly there has been no fixed pattern in classifying and organizing these materials in these libraries. Their assosication is whether by government ministry/department, subject or format which is often confusing to users. At Fourah Bay College library, for example, these publications are placed separately from the normal range which often constrains users in having to leave their reading area to consult these materials with Exiguous sitting accommodation. Libraries at Njala University College, produce of communal supervision and supervision (Ipam) and the College of treatment and Allied health Sciences (Comhas), which are relatively small in size couple the publications in their normal range thereby posing retrieval problems to users.

Keeping track of government publications is an additional one qoute as there are no trade bibliographies printed out to help trace them. Hardly are these publications mentioned in the national bibliography, Sierra Leone Publications, ready by the public/national library. Also the Government Printing department responsible for the production of government publications does not have any comprehensive lists of its publications. Most times these publications are whether returned immediately to the respective ministries/departments owning them upon completion or sent to the Government Bookshop for sale or sold by the Government Printing department upon completion, thus making it difficult to uncover retrospective publications. Worse still both the Government Printing department and the Government Bookshop are not interested in publicizing these publications and as such many customers together with schoraly librarians are not aware of the availability of relevant government publications for acquisition thus causing lapses in the development of these materials in schoraly libraries. In parallel one would expect schoraly libraries to compile comprehensive lists of such publications but this has not been the case due to the Exiguous whole of staff manning this range and the quantum of work they have to accomplish especially during peak periods when libraries are heavily used which is time consuming.

There are also problems of range development. schoraly libraries are under-funded and therefore librarians prioritize their range development needs. Purchasing government publications has not been a priority for schoraly librarians as they always look forward to the Government Printing department for donations which are frequently not forthcoming. Hence many relevant government publications are not found in schoraly library collections. What is more this Exiguous range is grossly misused and abused by users (especially undergraduate student users) in their schoraly pursuits. Thus most of these publications have dingy covers; others have a couple of pages whether written on or pilfered while some are intentionally mis-shelved to deprive colleagues of using them.

Conclusion

The incorporation of government publications in the mainstream of schoraly library services should be carefully a priority by university authorities and schoraly librarians in providing access to government-produced data in Sierra Leone. Representing a indispensable and integral part of the national resources government publications are major sources of data in roughly every field of attempt and are crucial to informed public-decision making. schoraly librarians should therefore enumerate their range development strategies and processing and assosication methods of these materials if they are to be persistently used by their numerous clientele. Especial conception should be given to increased funding, reserved supply sharing, compilation of lists and adequate staffing, sitting accommodation and storehouse space if they are to say standards in serving their numerous clientele.

Author Note

John Abdul Kargbo is Senior Lecturer at the produce of Library, data & transportation Studies at Fourah Bay College, University of Sierra Leone. Mail can be sent to him on

that guy Problems In Managing Government Publications In scholastic Libraries In Sierra Leone that guy

Monday, September 10, 2012

Us Debt Consolidation Statistics

--Us Census Records of Us Debt Consolidation Statistics--

listen to this podcast Us Debt Consolidation Statistics

The barometer that is one of the best ways, or at least used to be one of the best methods for checking on the condition of the nation, is at a low point indeed. From the pencil-pushers at the Federal maintain the expected news and reports that came from this lofty-organization recently indicated that the total number of consumer debt superior remained fairly steady in 2009.

Us Debt Consolidation Statistics

Judgment Day

In case any of you prestige card owning and using citizens are wondering what the total number of consumer debt in the United States stands at, we are happy to forewarn you that it is nearly .7 trillion dollars. Maybe we are not that happy to tell you this description and possibly these numbers, although quite large and foreboding, as they dictate that the state of the Us consumer debt is at a near description high. This information, that is largely-based on the most recent Us Census statistics, works out to be nearly ,100 in debt for every man, woman and child that lives here in the United States of America.

Knee-Jerk Reaction

Please be wary of the common knee-jerk reaction and false-belief that these numbers and statistics can give as this is not good at all for anyone. Need proof other than the large-numbers in the description and statistics? Just please keep in mind that we are talking about consumer prestige - which does not consist of debt secured by real estate transactions. With that number taken into observation the sobering facts are apparent and are empirically tested and defined by every consumer debt description ever artificial in the United States.

Consumer Debt Statistics

We are here to description to you the news in its truest form and for the most part in regards to the economy of the Us it is bad news all-around. How does that debt breakdown in terms of prestige cards and /or the buy of a new car or truck? It can be seen straight through a percentage look-in that's how. Since practically 36% of all consumer debt, as of November 2009, is what is termed as revolving credit, this all the time negatively impacts any description on overall consumer debt statistics in the Us.

Garden Variety

To give you a part on what is the garden-variety of revolving credit, we only have to look at the Evil Empire and the rise of prestige card debt. The other 64% of Us consumer debt is attributed and comes from loans that are not revolving in nature. Automobile loans, trainee loans, and loans on boats, trailers and vacations are all part of this type of debt in America today.

Debt Consolidation Resources

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What Happened to George Frederick Hopf? My Brick Wall - My Grandfather

I've been doing genealogy study for over 12 years. It has been a great adventure meeting long lost relatives, finding relatives I never knew existed and studying the stories of their lives. It was great fun. They told me their stories and I told them mine. I visited the places where they lived, walked the streets where they walked over 100 years ago. I haunted graveyards finding for their burial plots and gravestones. I spent hours in county records offices finding up land records, wills and probate. I spent uncounted hours searching the Internet for records of census, birth, death and marriage and group protection records. Many times a name was spelled or copied wrong or the narrative taker's handwriting was difficult to read.

I spent a fortune in both time and money copying or sending for primary documents. I grew increasingly fascinated with the lives they led against the backdrop of the times. The stories morphed into a book Lotties Lot. Lottie Jane Walker was my great grandmother. She was born in 1871 in Cresco, Iowa. She married Charles Ira Hastings when she was 18 years old. They were married for 23 years and together raised seven children six daughter and one son. The title of the book Lottie's Lot refers to her lot of kids and her lot in life. Her second daughter, Iris Hazel, everyone called her Hazel, was my grandmother.

I started the book in the middle, first writing the story of one of my grandmother's sisters Bethany who died at age 26 from a self-inflicted abortion. She left four children behind. Before I stated my study I never knew Beth existed, let alone her children. My house was specialist at holding secrets. It made my investigations harder but more fun. Beth and her house lived in Alberta, Canada. After I found out about them I called and talked to one of her son's Lynn who was just three years old when his mum died. That led to a trip and I was privileged to visit and meet three of the Beth's four children some spouses and children. Cousins and second cousins. I visited places where Lottie lived, where Beth lived and died. It was wonderful.

Then I found out that my biological grandfather was George Frederick Hopf. This was quite a shock because all of my life I believed that my last name was Vardon. My name was Nancy Vardon. I discovered that Hazel married George Hopf on July 25, 1910 in Minneapolis, Minnesota. I have their marriage license. My father was born April 5, 1911, his name was George Kenneth Hopf. They moved to Edmonton Alberta, Canada. George was a Seventh day Adventist and his religion and other issues caused conflicts in their marriage. Hazel separated from him and ran away with an additional one man named Anthony Leroy Vardon who was still married to an additional one woman. They went to Detroit in 1915. Because both were married to person else they had to keep their situation secret. Living together in those days was judged harshly so she arbitrarily changed my fathers name to Kenneth Leroy Vardon.

George in his despair joined the Canadian Army and fought in Ww1. He spent three years in France and was a medic. After his extraction in January 1919, he found Hazel in Detroit and wanted his son. They argued more. She ultimately filed for a separation and it was granted in her favor September 1920. He was living in Detroit in the 1920 Census. In about 1926 he moved to Washington D.C. He is listed in the city directories from 1926 to 1930, and he is in the 1930 census. Then he disappears. He would have been 50 years old. He was born on January 20, 1880 in Pittsburg, Pennsylvania, the second son of George M F Hopf and Caroline. I desperately want to find out what happened to him, when and where he died, where he is buried. If you read this and can help me please send an email.

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How Not to Spend a Fortune on Your Genealogical explore

The least costly way, especially if you are just beginning your family history research, is to begin with yourself. You do need to write out your own basic facts (birth, marriage, residence, and schooling) and then work on each parent. If potential write then each parent's mother and father. You might not know much yet but do write out what information, name, dates, location you know, even if it has a interrogate mark. You would be surprised at how much you may already know.

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Genealogy has all the time been a popular hobby and even more so in the last twenty years. So that genealogical societies have industrialized for decades. There are the national, state and local level societies. There are countless specialized genealogical societies; such as Jewish Genealogical Society, American-French Genealogy society and East European Genealogical Society. Anyone your location or interest in genealogy, there is a society established.

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Online Dating protection Tips

--Us Census Records of Online Dating protection Tips--

their explanation Online Dating protection Tips

In a census taken it was estimated that 42 percent of adults over the age of 18 are currently single. With this statistic it is easy to see why online dating has become so wide spread and acceptable. All in all this is a breathtaking way to meet new and arresting population with common interests to you. That being said, just like any other functions you accomplish online security is paramount. Here are some tips to keep you safe in the online dating world:

Online Dating protection Tips

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The History of the Sebewaing, Michigan Sugar installation

--Us Census Records of The History of the Sebewaing, Michigan Sugar installation--

my explanation The History of the Sebewaing, Michigan Sugar installation

One of the men destined to join the ranks of Michigan's pioneer sugar barons was John C. Liken. He was nearly 70 years old when the idea struck him and already rich beyond the dreams he probably had when he carved barrel staves for a living as an indigent immigrant in New York more than fifty years earlier. By 1900, he operated a big business in a small town that referred to him as the town father because his business created the jobs that brought habitancy to the town.

The History of the Sebewaing, Michigan Sugar installation

His every year sales while the years preceding 1900, in contemporary terms, equated to about .5 million. In a combination of enterprises that employed two hundred people, he operated four saw mills primarily engaged in manufacturing barrel staves, many of which he shipped to Germany, two flour mills, a major sell outlet for hardware, dry goods, groceries, and drugs which in 1884 employed nine clerks.

Liken's enterprises were headquartered in a small town in Michigan's "thumb". The town was Sebewaing, a small collection of rustic homes nestled on the east shore of the Saginaw Bay some twenty-five miles northeast of Bay City. Its residents were day laborers who worked at one of Liken's establishments or on one of the surrounding farms, or fished in the great Saginaw Bay that lapped the shores within walking length of the town.

Sebewaing borrowed its name from the Chippewa word for crooked creek and some of its wealth from the abundant fishing in the bay. Not long before the 19th century came to a close, colse to forests fell to swift axes, manufacture room for German settlers who swiftly set about the twin tasks of removing stumps and planting crops.

Liken, a native of Lower Saxony in northwestern Germany met Wallburga Kunkle, the woman who would become his wife, in Binghamton, New York. She was a native of Bavaria and bore the name of a canonized nun who traveled to Germany from England in 748 to achieve good works. St. Wallburga became the patron saint of plagues, famines and a host of other discomforts, including dog bites. John Liken had arrived in Binghamton after working for his duct aboard a pilotage vessel.

After the birth of their fourth child, Emma, in 1864, who joined her siblings, Mary, born in 1856, Hannah born in 1858, and Charles, born in 1859, John and Walburga moved the family to Sebewaing, a Lutheran village that was attracting fishermen, farmers and timber men. The town's habitancy upon his advent in 1865 was insufficient to proclaim it a village, but with the advent of John Liken, that was about to change. He established a sawmill where he made barrel staves. Later, he would build sell outlets, a creamery, granaries, and ships, incorporating in one man a source for all the goods and services required by the local farming community. The cream and crops, he located on boats and shipped some thirty miles along the Saginaw Bay seashore to Bay City, a bustling and growing city where the daily interrogate for groceries grew apace with its burgeoning population. In was in this connection, shipping, that he became acquainted with ship owner Captain Benjamin Boutell and it was through Captain Boutell that he would learn about sugar opportunities.

The village grew into a village and the town folk began to think of Liken as the town father. Having brought two daughters and a son into the community, who like their father were all of good form, good health, and good cheer, it wasn't unexpected that the Likens began to add substantially to the population. Mary took for a husband, Richard Martini and a few years later, Hannah allowed a youthful Christian Bach to turn her head (In later times, Christian adopted his middle name, Fred as his given name of preference. He appears in the Michigan sugar chronicles authored by Daniel Gutleben as C.F. Bach.) Charles and his wife, Elizabeth located into the community to take up supervision of his father's affairs.

John Liken had departed his Oldenburg home at the age of eighteen after completing a four-year apprenticeship in the cooperage trade. He would have known of sugar beets because of that perceive and de facto would have been aware that men from his homeland had been enjoying some success with them in Michigan's Bay County where three factories were then in doing and one more was underway and yet an additional one was under construction in Saginaw.

Altogether, a total of eleven beet factories would soon pour sugar and profits into Michigan towns if one believed the hoopla created by railroads and others who would profit from the construction of factories. The excitement that had been stirring farmers and investors across the state seeped into Sebewaing. Liken saw no need to drum up keep by the usual methods, retention town meetings, enlisting editors of local newspapers, hiring bands and front men to call upon the farmers. He was convinced of the need for a beet sugar installation and since a good measure of the local wealth resided in his coffers, he saw no need to persuade others to take up the cause. The Likens possessed enough resources to build a factory.

He formed an ad hock committee consisting of his son Charles, Richard Henry Martini, the husband of his daughter Hannah, and daughter Mary's husband, Christian Fred Bach. All three had held leading positions in Liken's enterprises for many years and all were in their late 30's, thus steeped in experience. In addition, the three resided next to one an additional one on center road in Sebewaing, with Martini at amount 69, Charles next door at 68, and Bach at amount 67, thus the trio could convene at leisure and without formality. Should he and his committee approve the idea, the plan would go send without the usual sale of stock to community members. It did not wish a great amount of investigate on the part of the committee. They had abundance of arable land at their disposal. The Liken family controlled one thousand acres on their own list that combined with others, eliminated a need for a rail line to carry beets to a installation situated on Lake Huron's shore. They had the financial capacity.

John C. Had been generous. Each of his daughters and his son enjoyed full-time servants in their homes and each was well enough off to spend in the new sugar business on their own list and each had demonstrated managerial ability over a long duration of time. They had every attribute needed for success in the new business save one...experience in sugarbeets. News of the action in Liken's headquarters leaked into the community at large and inspired some farmers to plant beets, although a completed installation was nearly two years in the future. Those beets, when ready for market, were shipped to Bay City for processing.

Thinking to add the missing ingredient to an otherwise perfect equation for success, John Liken invited Benjamin Boutell and a few of his trusted friends to join in the endeavor. As a consequence, in a short time Liken learned first-hand, how the camel's nose under the tent fable came into existence. Boutell, no doubt delighted that his expertise was in greater interrogate than his money, swiftly enlisted men of wealth and experience. Among them was John Ross, who would soon become treasurer of the German-American Sugar Company, the last of four beet sugar factories built in Bay County. Next, came lumbermen Frederick Woodworth, William Smalley and William Penoyar, and a ship owner named William Sharp. When men of the stature of Ben Boutell and Penoyar signaled their interest, the floodgates opened; more men of wealth clamored for a stake in the new company. A pair of Saginaw attorneys Watts S. Humphrey and Thomas Harvey climbed aboard as did George B. Morley, legendary grain dealer and banker. Rasmus Hanson, a wealthy lumberman from Grayling, and future president of the German-American Sugar Company, bought in as did William H. Wallace, a quarry operator in colse to Bay Port.

Unwittingly, Liken in attracting investors from Saginaw and Bay City, brought together two determined groups which could be described as two cut off circles of influence. Boutell's circle consisted of Bay County investors, Woodworth, Ross, Smalley, Sharp and Penoyar. George Morley's circle included James MacPherson, Humphrey, Harvey, and William H. Wallace, all Saginaw residents, although Wallace was a native of colse to Port Hope and had been a long term resident of Bay Port, a village snugging the seashore thirteen miles northeast of Sebewaing. In the wings was Ezra Rust, a wealthy Saginaw resident who had won a fortune in the lumber industry. While all of the Bay County investors had lumber interests, of the Saginaw group only MacPherson had a lumber background. The two circles would take up the sport of in-fighting once the new business got underway.

Representatives of what amounted to three determined groups, Boutell's Bay City contingent, Morley's Saginaw faction, and John Liken's family, gathered in Watts Humphrey's Saginaw office in July 1901 to take up the matter of organization. Humphrey's fame would come not from sugarbeet processing but from the fact that his then 12-year old son, George M. Humphrey, would one day achieve stature as the Secretary of the Treasury under President Dwight D. Eisenhower, serving from 1953 until 1957.

Wasting no time, the organizers had at hand, four representatives of construction firms specializing in construction beet processing factories. They were Fuehrman & Hapke, E. H. Dyer, Kilby Manufacturing, and Oxnard Construction. It was foreseen, that as soon as the shares were taken up by the attendees, a contract would be awarded to one of the four bidders. To Benjamin Boutell and his Bay City group, there was only one bid of any interest to them and that was the one from Kilby Manufacturing for 0,000. The price was a hefty ,500 per ton of beet slicing capability, nearly double the 0 per ton price tag of the Essexville installation and roughly 0 more per ton than the price for the German-American Sugar business installation that was currently under construction. Oxnard's bid of slightly more than ,800 per ton (including, as usual, a Steffens process) and Dyer's next to the bottom bid of ,416 per ton were beaten out by Fuehrman & Hapke's winning bid of ,320 per ton for a total price of 2,000.

The first order of business called for the selection of officer and directors, a commonly placid affair when the business founders knew one an additional one as well as did the conferrence in Humphrey's office. Representatives of each of the three main shareholder groups secured positions. Bay City lumberman, W. C. Penoyar was given the presidency, while Sebewaing's Christian Bach took on the vice-presidency, and the Saginaw group saw William Baker and Thomas Harvey took the secretary and treasurer seats. Benjamin Boutell and William Wallace joined the executive committee. At the top of the schedule was the matter of deciding on the winning bid for the factory's construction, which would be, as usual, a full turnkey operation. That's when the temporary alliance in the middle of Bay City, Huron County, and Saginaw County investors fractured.

Boutell's crowd, said the low bid made no difference, they would accept none other than the one submitted by Kilby. To the Saginaw group, this was tantamount to drawing a line in the sand. They believed firmly in awarding the contract to the bottom bidder. Accordingly, the Sebewaing-Saginaw representatives who controlled three of the officer positions, ignoring the fact that Boutell and his friends controlled 45 percent of the business and that a member of their faction just secured the presidency, gave the nod to Fuehrman & Hapke. Boutell and business recoiling from the recommendation that anyone except Kilby would build a installation in which they had invested, cancelled their stock subscriptions, resigned their positions and withdrew from the board of directors.

When the dust settled, Boutell and his co-investors were out and the Saginaw contingent held the controlling interest at 55 percent with operate divided in the middle of the Morley and Rust families. The Rust family headed by Ezra Rust would leave its mark on the City of Saginaw in the form of a city park and a major thoroughfare bearing its name. Ezra's belief in the sugar business may have stemmed from a stint he served as an engineer in a Cuban sugar mill while his youth. Morley held 5,000 shares in his own name, while various members of the Rust family held 4,000 shares. family members and friends of John Liken held 45 percent.

The sudden relinquishment of Bay City investors necessitated a second election. The presidency went to Thomas Harvey. John Liken's son-in-law, Christian Bach, retained the vice-president's post and a seat at the director's table. Liken's son, Charles, acceptable an appointment as treasurer but did not win a board seat. William F. Schmitt, a minor stockholder and Christian Bach's sister Emma's suitor, became secretary. In time and after having been tested by fire, he would prove that his advancement was owed entirely to his skill, not to his association to the Bach family. In 1906, he took fee of the Sebewaing installation which he then guided for six years before leaving the business for a senior position with Continental Sugar Company. Directors, in increasing to Harvey and Christian Bach, included William H. Wallace, Watts Humphrey, George Morley, James MacPherson, who replaced Benjamin Boutell, and Richard Martini.

The appointed contractor for the factory's construction, Henry Theodore Julius Fuehrman, commonly addressed as Jules, arrived from New York where he had constructed a similar installation at Lyons and before that, Pekin, Illinois. He appeared in September for the groundbreaking ceremony. With him was his partner, Theodore Hapke who won high regard from area farmers of German discharge because of his knowledge of sugarbeets and his ability to by comparison the subject in the mother tongue.

Fuehrman had been closely complicated with the construction of a beet installation in Grand Island, Nebraska, which to his good fortune happened to be in the place after Germany that he called home. He was the only son of Henry and Tulia Fuehrman of Brunswick, Germany. Beginning at the age of fourteen, he served an apprenticeship in the mason's trade. After deciding to get ready himself for the duties of an architect, he devoted himself to the study of architecture in different polytechnic institutions throughout his native land. When twenty years of age, he entered the Germany Army, serving one year, and in 1882, he emigrated to America where after spending two years in Chicago he located in Grand Island. There he acceptable a amount of commissions, including the build of the city hall, a church, a university, and eventually the Oxnard beet sugar installation in Grand Island.

Fuehrman's success attracted the prestigious architectural firm of Post & McCord, the firm that built the roof over Madison square garden and the large iron frames for the skyscrapers that dotted Broadway and Wall road and in 1931 would build the world's tallest skyscraper, the Empire State Building. Post & McCord partnered with the equally prestigious American Bridge Company, thus the Sebewaing factory's formation was destined to be of solid construction. With William H. Wallace serving on the board of directors, the interrogate of whether the foundation was going to be made of solid stones or the new construction material, concrete, was resolved without discussion. The stones came from Wallace's quarry, thirteen miles distant where they were carved by his devotee workmen into squares that conformed to the architect's specifications. Crushed stone from the same source made roadways for hauling equipment and later, beets to the factory. Already the community was enjoying the fruits of the proximity of a sugar factory, improved roads and a richer economy as workers discovered gainful employment on the many work crews needed to fashion a installation that would soon win recognition as one of the largest of its kind in the nation.

Emile Brysselbout, Fuehrman and Hapke's most recent partner, was also on hand. Brysselbout's credentials included the recently constructed Charlevoix, Michigan sugarbeet installation and he had supervised the construction of the Essexville factory.

The cornerstone was laid on October 21, 1901 but the absence of great engineers delayed construction. Experienced construction engineers had become a prime in a nation that suddenly could not have enough beet sugar factories. Twenty-five beet sugar factories were constructed in the middle of 1900 and 1905 of which ten were in Michigan. Adding to the difficulties was Fuehrman's absence. He had departed for Dresden, Ontario to build a similar installation for Captain James Davidson, a Bay City magnate who had decided to dedicate a measure of his wealth to the beet industry.

By appearances, Davidson's contract held greater point for Fuehrman than did Sebewaing's. William Wallace, noted for always taking a firm hand where one was needed, approached Brysselbout with the insistence that Joseph Eckert be hired. Eckert was a man with a can-do credit and one who would tolerate no obstacles in the path to his goal. Eckert had just complete an assignment at Mendall Bialy's West Bay City Sugar business where he had increased productivity more than one-third.

Gutleben relates that when Eckert arrived in Sebewaing, he found nature busy at the task of reclaiming the site. Weeds and wild flowers busy the space intended for a factory. The few columns that had been erected on Wallace's stone foundations were poised as if ready to fall to earth. Worse, there was no gear on hand to definite the steelwork in place or to install the balance of it. Fuehrman promised a steam motor but its delivery would have to wait until the steel erection work in Dresden was finished. It was April. The farmers wanted to know if they should plant a beet crop. "Plant 'em!" exclaimed Eckert who then located an order for the delivery of a steam motor to be charged against Fuehrman & Hapke's account. Wallace backed the credit. Fuehrman's complexion turned the color of spoiled liver while his next visit; he fired his innovative engineer for insubordination. Wallace accompanied by Brysselbout turned the decision colse to in a hurried meeting with Fuehrman.

One of the advantages of having Brysselbout and Eckert on staff was their ability to draw men of similar skill. Brysselbout, inspired by Eckert's enthusiasm and unquestioned role as chief scheme engineer after Fuehrman's failed attempt to fire him, secured experienced and highly educated operators, men like Hugo Peters, an 1898 graduate of Leipzig University who would become Sebewaing's first installation superintendent. James Dooley soon followed. He carried a credit for practical application of scientific law and a cool head while emergencies. Eckert attracted superior engineers such as Eugene Stoeckly and Pete Kinyon, a devotee at erecting the steal grids that became the frames for the factories. colse to farmers, long experienced with neighbors William Wallace, "Bill" to all, and John Liken, both hard driving can-do business leaders, had full belief that a installation would stand in their midst at harvest time, as promised. They set about planting the second sugarbeet crop in Huron County with results that would prove fortuitous for themselves and for the investors.

When the trees began to blaze red and orange and cool dawn breezes dried the morning dew before farmers stepped from their doors, the county's first sugarbeet crop waited in neat military rows for men, women and even children to arrival them. A lifter, a expedient designed to loosen the beet from earth's hold, operated by the farmer, would strike for home across the field at a walking pace. Harvesters would follow, pulling the beets from the ground then knocking two of them together to loosen soils and then casting them into a pile to await topping. Eventually, automatic motor driven machines would achieve the task, a task enhanced by pre-topping and then cleaning of the beets via a shaking law and dumped into waiting trucks. But for now, it was brute work.

On October 10, 1902, it was done. The main construction sixty-seven by 258 feet and five floors comprising roughly sixty thousand square feet, made of brick and filled with the most contemporary equipment ready to the industry, opened for business. In a town where the midpoint home consisted of fewer than seven hundred square feet of space, it was an awesome presence. It was one of the grandest and largest structure constructed in the American Midwest up to that time.

It was agreed that only one man in all of Huron County deserved the honor of delivering the first load of beets to the factory, the man whose dream set off the chain of events that led to the magnificent construction now standing at the end of the town's main street. He was John C. Liken. His family had gathered round two months before on August 9, to celebrate his seventieth birthday and now at an age beyond that which men commonly set aside for the cessation of corporeal labor, he guided a team of four horses drawing a gaily decorated wagon brimming with sugarbeets onto the scales. The Liken family, standing beside the constructors, Bill Wallace and a contingent from Saginaw, applauded the develop of the high-stepping horses and the contented Mr. Liken. Within the week, Hugo Peter conducted an operational test, allowing only water through the installation to test the readiness as well as the harmony of the equipment. After manufacture a few adjustments to definite weaknesses detected while the water test, he ordered the slicing of beets to begin on October 27.

The farmers delivered beets containing 13.23 percent sugar of which they harvested nearly seven tons to the acre. According to Gutleben's history, the installation yielded more than 91,000 hundredweight of sugar on an discharge rate of seventy-one per cent giving it returns greater than from the West Bay City's factory, the Essexville factory, the Bay City Sugar business and de facto Benton Harbor, Kalamazoo, and the first year of doing at the Caro factory. The operational results mirrored those of the Kilby built Alma factory. Financial results, however, were far greater because the 48,250 tons of beets delivered by Sebewaing growers exceeded by two-hundred fifty percent the 19,100 tons delivered by Alma growers for that factory's first campaign. Sebewaing growers delivered the greatest amount of beets delivered to a singular installation up until that time, loud evidence of the belief Huron County farmers located in Wallace, Liken, and Bach, confidence, as events revealed, that was not misplaced. Estimated profits for Sebewaing's first year of doing approximated 0,000, 26 percent on sales and providing a 17 percent return on investment.

Soon, two leading personages representing the American Sugar Refining business called on Bill Wallace. They were Henry Niese, head of operations and W. B. Thomas from the company's treasury agency (Thomas would become president of American Sugar Refining on December 20, 1907 following the death of Henry O. Havemeyer earlier that month.). Their mission was to scout candidates for admission to the Sugar Trust. The visit occasioned a requisite turn in the company's make-up when Charles B. Warren, a Detroit attorney who represented the interests of the American Sugar Refining business arrived shortly afterward to offer an venture of 5,000. The business issued an added thirty-five thousand shares of stock of which he acquired 32,500; other shareholders each increased their stake by roughly 8.3 percent, effectively giving Warren a 50 percent interest in the business with the other half in the hands of the Liken family (24 percent) and Morley's Saginaw investors (26 percent).

The bloom of youth still graced the cheeks of Charles Beecher Warren when he appeared in Sebewaing like a godsend to drop what would amount to in current dollars nearly seven million dollars in a start-up business managed entirely by local investors. His youth disguised a young man bearing a sound schooling and a steely decree to make something of himself. Before his time passed, he would become the Us ambassador to two nations (Japan in 1921 and Mexico in 1924), write the regulations for conscription while World War I, head a major law firm and direct the affairs of a amount of corporations.

In 1903 when visiting Sebewaing, however, he resembled not so much the power broker and respected lawyer he would become but instead, a pleasant young man with a pocket full of cash. He was fresh from Saginaw where he persuaded the owners of the Carrollton installation to take his cash in replacement for a 60 percent stake in the installation that came into existence when Boutell's Bay City crowd parted business with the Sebewaing investors. He would, over the policy of a few years, dispense more than three and half million dollars in Michigan alone ( million in current dollars) while acquiring sugar clubs that would immediately description to the New York office of the American Sugar Refining Company-not bad for man who had been taking rooms in a boarding house situated near Cass Avenue in Detroit in 1900.

His rise to power began six years earlier when he was appointed connect counsel for the Us government in hearings before the joint high commission in the Bering Sea controversy with Great Britain. The matter involved England's perceived right to harvest seals notwithstanding the United States notion that extinction would de facto corollary that practice. By 1900, he was a partner in the law firm of Shaw, Warren, Cady & Oakes a Detroit firm representing a amount of banks and manufacturing firms, chief among them the American Sugar Refining Company. A few years hence, he would adopt the title of president of Michigan Sugar Company, a position he would hold for 19 years in increasing to the presidency of a sugar business in Iowa and an additional one in Minnesota. while that same time duration he returned to the international arena once again where his carefully watched doing won accolades from imminent lawyers in Europe and America. This time, he appeared on profit of the United States before the Hague tribunal to decree a dispute in the middle of the United States and England concerning North Atlantic fishing rights.

The son of a small town newspaper editor, Robert Warren, he listed Bay City as his birthplace, but because of the nature of his father's profession, moved from time to time while growing up, always within Michigan. He graduated first from Albion College then attended and graduated from the University of Michigan before attending the Detroit College of Law where he graduated Ll.B. At the Detroit College of Law, he studied under Don. M. Dickenson and then joined Dickenson's firm when he was admitted to the bar in 1893, the year he graduated. A few years later, he joined John C. Shaw and William B Cady in organizing a cut off law firm, a firm he would eventually head throughout his career. Early on, displaying an understanding of the value of macro management, he tended to see to the installation of experienced managers and then leave them unmolested as they carried out the day to day requirements of conducting business.

Much as Caro served as a training ground for installation operators, Sebewaing acted as a school for installation managers who were sent throughout America to beet and cane factories owned by American Sugar Refining business and others. Hugo Peters moved on to Dresden to oversee James Davidson's doing and then took similar positions in Idaho, Utah, California and even the West Indies. In 1920, Peters turned his concentration to spectro-photometric prognosis for the Us Bureau of Standards, manufacture serious contributions to color analysis. Jim Dooley stayed on as boss at Sebewaing for a few years then headed operations for all of Michigan Sugar business when it came into existence in 1906. Wilfred Van Duker, Sebewaing's first chief chemist, dedicated the larger measure of his vocation to enhancing cane milling in Hawaii. There, he eventually managed four sugar estates. Richard Henry Martini became normal Agricultural Superintendent for Michigan Sugar business and Henry Pety moved on to Utah for a superintendency before returning to Michigan to carry on the Mount Pleasant factory. The Sebewaing installation continued to develop by adding corporeal structures and equipment in the form of diffusion towers, automatic affairs that replaced the older battery operations, evaporators, contemporary centrifugals, storehouse bins and other equipment that caused the daily beet slicing capacity to gently develop from 600 tons per day to more than 5,000 tons per day.

Sources:

Estimated profits for the first year of operation: Records did not survive. The author carefully an estimated profit by applying an estimated selling price of .12 for each one hundred pounds to the total hundredweight ready for sale and then deducted costs estimated at.57 per one hundred pounds.

Guttleben, Daniel, The Sugar Tramp - 1954 p. 182 concerning purchase of sugar factories by the Sugar Trust, p. 177 concerning club of Sebewaing Sugar and operating results, printed by Bay Cities Duplicating Company, San Francisco, California

Michigan every year Reports, Michigan Archives, Lansing, Michigan:
Sebewaing Sugar 1903, 1904
Sebewaing Lumber, 1901, 1904
Bay Port Fish, 1901

Saginaw Courier Herald, July 11, 1901 - reporting on the meeting of stockholders of the newly formed Sebewaing Sugar Company.

Portrait and biographical album of Huron County:
John C. Liken, Christian F. Bach, Richard Martini

U.S. Census reports for Sebewaing, 1900, 1910

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Sunday, September 9, 2012

Myrtle Beach - A Peach Within Reach

--Us Census Records of Myrtle Beach - A Peach Within Reach--

a fantastic read Myrtle Beach - A Peach Within Reach

In spite of the prolific building in Myrtle Beach, the realty shop is booming here. Many second home buyers are looking to buy in this area, where the warm weather is more stable than additional south. Who wouldn't want to live in this delightful place? Myrtle Beach was voted #1 on a list of 'Most favorite Vacation Rental Destinations' compiled by hotels.com; it has also been called the 'Golf Capital of the World'.

Myrtle Beach - A Peach Within Reach

There could be several reasons why it has the "golf" nick-name. First, there are over 120 golf courses placed here, and the majority of these courses are open to the communal - a real plus. Alternatively, it could be the fact that a description 4.2 million rounds of golf have been played at Myrtle Beach. Or could it be the fifty dinky golf courses?

But forget the golf - just come and look at this incredibly beautiful beach location. To visit Myrtle Beach is to feel as if you have arrived somewhere exotic - and you have! Each year upwards of ten million tourists visit this piquant area, to enjoy the scenery, the climate and the southern hospitality.

Myrtle Beach is the hub of the 'Grand Strand' beach area, sixty miles of the most exquisite and pristine beach in the world. Reports indicate that this area of America is so sought after that realty prices have held steady here during the national crisis. Increase predictions bode well and with the time arrival closer for the baby boomers to retire, Myrtle Beach looks like a number one area to eye for a inherent home.

The number one reason is probably the reasonable real estate prices that are still holding at the moment.

But putting aside such crassness as pricing: not only does Myrtle Beach have endless golfing opportunities with moderate year round temperatures to make golfing so accessible - it offers much, much more.

There is great shopping, live Broadway-type shows, and a diverse choice of music, sports and restaurants. It also has a very diverse choice of homes, from luxury to simple, from high rise condo to particular family cottage - and so many of these homes are brand new and sparkling.

Although the area has history dating back to the 17th century, Myrtle Beach itself was only founded early in the 20th century. It is a clean, contemporary resort, which has its own International Airport.

Developers have pushed ahead of the curve in anticipating more Increase with the influx of new businesses and more tourism projects; there are new luxury apartments, condominiums, town homes and regular homes to pick from.

Tourism will become an even bigger money spinner for anyone who is interested in a dinky bed and breakfast business. The area is soon to be opportunity its first one-of-a-kind "Hard Rock Theme Park". This is a 0 million, 140 acre task which will house roller coasters, an amphitheater, shows and roller coasters among its over 40 attractions. It will also comprise dining and sell - what a good idea!

In 2006 Myrtle Beach was the fastest growing area in the Usa, agreeing to the Us census. This would indicate that a jump in realty prices could be just around the corner.

With mortgage interest rates so low, and the properties in Myrtle Beach still going for a reasonable price, it is worth a dinky trip here to just come and see. You will not believe that such a piquant area is right on your doorstep unless - you just come and see....

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Massachusetts, Virginia & New Jersey Have Usa's highest Gluten Free E-demand increase Rates - See Why!

--Us Census Records of Massachusetts, Virginia & New Jersey Have Usa's highest Gluten Free E-demand increase Rates - See Why!--

these details Massachusetts, Virginia & New Jersey Have Usa's highest Gluten Free E-demand increase Rates - See Why!

Recently, determination was performed for Gluten Free Pages on the increase of whole country gluten free e-markets (using Google data) for the U.S., Australia, Canada and the Uk.

Massachusetts, Virginia & New Jersey Have Usa's highest Gluten Free E-demand increase Rates - See Why!

That research showed that the Us (42%) and Canada (18%) had the largest increase (gluten free searches on Google from 2004 to 2009), while Australia had 10% per annum increase and Uk essentially zero.
 
This information is tempered by the actual base level of searches in each country. Previous determination of what is termed 'Celiac searches / mth' within each country ranks the four countries of interest as : Australia (4.2 searches), Canada (3.3), Usa (2.7) and Uk (2.2). The determination adjusts values to take inventory of internet usage and Google shop share. Of policy the Us has the largest people of each country under determination so in absolute terms the Us has the most searches (over 3 million) however 'searches per celiac' gives a truer indication (level of saturation) of a shop in each country. 

The Gfp Matrix is a design that compares a country's 'celiac searches per month' V 'Gdp per person'. This determination shows that there is a logarithmic association between these two variables. That is, the greater the wealth of a country, the higher the determination and the higher the e-demand for gluten free products.
 
To good understand the dynamics of these each countries markets it is best to analyze the lowest level of determination that Google allows - down to state level. Firstly consider the Us.
 
American States
 
Following this ideas of country wealth being associated to the level of gluten free shop maturity, it is useful to collate the top ten economic Us states with the lowest ten states and see if this rule applies within countries.
The data below is "measured by average household income" and is sourced from: The U.S. Census Bureau in 2007.
 
The 10 richest states with the top average household income
 
           State             Income    Population
 
      Maryland              ,144    5,296,486
      New Jersey           ,470    8,414,350
      Connecticut          ,422    3,405,565
      Hawaii                 ,160    1,211,537
      Massachusetts      ,963    6,349,097
      New Hampshire    ,683    1,235,786
      Alaska                  ,393    626,932
      California             ,645    33,871,648
      Virginia                ,277    7,078,515
      Minnesota            ,023    4,919,479

The 10 poorest states with the lowest average household income
 
          State        Income       Population
 
      Montana        ,627     902,195
      Tennessee     ,315     5,689,283
      Kentucky       ,372     4,041,769
      Louisiana      ,337     4,468,976
      Alabama       ,783     4,627,851
      Oklahoma     ,770     3,450,654
      Arkansas       ,599     2,673,400
      West Virginia ,059     1,808,344
      Mississippi     ,473     2,844,658
 
Us Poorest States Analysis
 
For the three poorest states in the Us, Google "does not have sufficient hunt volume to show graphs." Of the other seven, data only starts in late 2008 and is very intermittent and unreliable.
 
You might consider that the Google data cut off applies because of low searches caused by low state populations. This might seem also seem to be the case for rich states too as the three 'rich states' out of the top ten that do not have data description (Hawaii, New Hampshire, Alaska) All have populations under 1.3 million people. however two of the rich states that Google's does description data for: Connecticut (pop 3,405,565) and Minnesota (pop 4,919,479) both have lower populations than four of the poorest ten states that don't have a Google record.
 
This rules out people size as the only predictor of data availability or shop maturity. Two introductory likely causes that may lead to lack of data for low wealth populous states is that they are likely to have low internet usage and low determination rates. Without diagnosis, their need for gluten free products would not exist and hunt examine would be very low.
 
Us Richest States analysis
 
Data is available for Maryland, New Jersey, Connecticut, Massachusetts, California, Virginia and Minnesota. Data is not available for Hawaii, New Hampshire, Alaska.
 
The similarity in increase profiles between the All American increase trend and the wealthy states suggests that these states have the most follow on the total countries increase in general. It is noted that the vast majority of these wealthy states are all geographically close by to each other in the north east of America, so they are likely to have cultural similarities.
 
The 'All American' gluten free e-demand increase trend is one of the top of all the advanced countries under analysis. Of the top ten wealth states in the Us, California has the largest people but has only an average shop increase rates, compared to the other rich states. High wealth is likely to be contained in its largest cities like San Francisco and La with regional wealth and interest in gluten free searches reducing the unabridged increase rate. Also as a whole the state is likely to have achieved its increase relatively early and may have a high absolute hunt numbers already, reducing its increase rate potential.
 
Lowest increase rate High Wealth states
 
Connecticut and Maryland are the first and third top wealth states in all of America yet over the last couple of years they have had the lowest of the rich states increase rates. In particular Maryland has the top 'wealth per population' value and the lowest increase profile. This could mean that it has already peaked in absolute hunt terms or that it naturally isn't growing as fast as expected. Of equal influence maybe that Maryland state while having a high people of 5,296,486 and a high density of 222 people per quadrilateral km, however it has a relatively small 'largest city' of Baltimore with nearby 635,000 people.
 
Connecticut is the third richest state but only has a people of 3.4 million people. Connecticut area is 12,548 quadrilateral km with a people density of 279 people per quadrilateral km but again its largest city is Bridgeport with a people of 140,000. It is believed that also the need to have a minimum state population, that a relatively high urbanization may be required to accomplish important mass of both diagnosis, word of mouth and a titanic gluten free market.
 
Highest increase rate High Wealth states  
 
Massachusetts(popn 6,349,097, sq km 20,305, popn density 320) is said to have most of its people in the Boston metropolitan area. Boston itself has a people of 600,000.
 
Virginia is the top increase of the wealthiest states. (popn 7,078,515, Area is 102,547 sq km, popn density 75). The people density is low, but this is because compared to the other states analyzed above, it has one of the largest areas. however with its large area, it still has a very high level of urbanization, with its top five cities accounting for nearly 1 million people: Virginia Beach, 438,415; Norfolk, 231,954; Chesapeake, 218,968; Arlington, 195,965; Richmond, 193,777;
 
For America, It would appear that high wealth, high urbanization, and states above four million people are needed to originate the top increase in gluten free demand.
 
Australia
 
Australia's three most populous states and capital cities (abs data June 2007) are:
 
      Nsw    6,888 M    (Sydney = 4.334M)
      Vic      5.204 M    (Melbourne 3.805 M)
      Qld     4.181M     (Brisbane 1.857M)
      Total Australia people = 21.015 M

From the people information it can be seen that the three largest states in Australia contain the majority of Australia's population, and within those states, the populations are largely within the capital cities.
At the start of this description it was stated that Australia has a 'celiac hunt per month' value of 4.4 compared to America's 2.2. Thus while Australia has a much higher hunt value per celiac, its gluten free hunt increase rate is much less than America because it is closer to maturity and plateuing.
 
The net worth data shows that apart from house prices (much higher in Sydney than Melbourne) that Sydney and Melbourne have a similar wealth profiles. As these two cities have similar populations, level of urbanization, wealth, study and race profiles it can be seen that their gluten free increase trends are also very similar. Also note that just like the less populous states in America, Brisbane is the lower wealth and lower people capital city, of the three states analyzed in Australia, which has resulted in it having the lowest increase trend of the three largest states.
The high level of urbanization (large proportion of state populations in large cities) seems to be one of the main reasons that Australia's 'celiac hunt / mth' rate is higher than the Us.
 
Conclusions
 
From the determination of America's top ten wealthiest states and Australia's three wealthiest states, it appears that the wealth of a state (per person) is a good indicator of the gluten free searches increase trend (and most likely the awareness of celiac disease). The top 'wealth per person' states have a much higher increase rate of gluten free markets compared to the poorer states. This suggests that the markets are still in their infancy as the high wealth states are growing fast but beginning off a low base. This is in line with general low determination rates.
 
It also appears that there is a people threshold for states where gluten free registers in the 'publics consciousness' to have them hunt in sufficient numbers to be recognized by Google. For example Connecticut (population 3,405M) is the third richest Us state (per person), but it has one of the lower populations and lower urbanizations, which leads to one of the lowest increase trends of the wealthy Us states. Queensland's capital, Brisbane (population 1. 857M), is a lower proportion of the state's total people (compared to Nsw and Vic) which leads to Qld having a gluten free hunt increase profile that is substantially lower than Vic or Nsw.
 
It would also appear that a high wealth states with high urbanization are also likely to have potentially higher educated populations and more likely to seek out resolutions to health conditions such are caused by things like celiac disease.

Wealthy states that are more rural populations are likely to have less entrance to internet, and have less experienced (regarding celiac disease diagnosis) doctors causing less gluten examine and low gluten examine increase rates.
 
At the other end of the scale it appears that the largest wealthy states are likely to have already generated a titanic base for gluten free searchers any years ago and thus the relative increase trends of the wealthy most populous cities in America (California) and Australia (Sydney) are not the top increase trend states because they are beginning off a high base and may be slightly more mature markets. 

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