When I was a little younger, I took up photography and have myself exposed to different subjects. I find the art awesome. It captures and preserves moments and things you cherish and adore. I consider photography as a protective cloth for my valued possessions. Memories that cannot be seized for a long moment and things that will deteriorate in the future time will be detained in your photos. Thats the very reason I liked photography.Along with my photography penchant, I also developed my love for postcards. Basically it is the same as collecting pictures only that you have a message on it and you mail it. Since then, deltiology has been part of my life.Deltiology or postcard collecting is currently the third largest collectable hobby in the whole wide world. I am so happy that I am part of that hobby. Doing the same, makes me acquainted with different places and things which are both seen and unseen by me. Credit must be given to Franco-Germans since they are the ones who produced the very first historical card. The present era is a photochrome postcard milieu. It is also commonly called as modern chromes. It started in the year 1939 and stays up to the present time. I am influenced by this milieu in the sense that I have learned to incorporate my pictures to come up with customized postcards.With customization, the creator is given a wider leeway. He can put in his choice of pictures and captions that way the postcards created will appear more personal and warmer than those customarily made.Since, these postcards are not that ordinary thus, it must be processed through custom postcard printing. A special postcard printing process that acknowledges your postcards special needs. When you have opted "custom postcard printing" , be sure that you only entrust your printing needs to a credible and reputable commercial printing that way you can be secured of the results. You need not be troubled with discrepancies and other annoying aftermaths.Nowadays, I do not worry about my priceless possessions. I just enjoy them to the fullest!
The West Virginia State Agency that oversees the collection and reporting of State income taxes deducted from payroll checks is:State Tax DepartmentCapitol Complex, Bldg. 1, W417Charleston, WV 25305(304) 558-3333(800) 982-8297 (in state)www.state.wv.us/taxrevWest Virginia allows you to use the "WV/IT-104, West Virginia's Employee's Withholding Exemption Certificate" form to calculate state income tax withholding or federal form W4 if state and federal exemption are the same. Not all states allow salary reductions made under Section 125 cafeteria plans or 401(k) to be treated in the same manner as the IRS code allows. In West Virginia cafeteria plans are not taxable for income tax calculation; taxable for unemployment insurance purposes. 401(k) plan deferrals are not taxable for income taxes; taxable for unemployment purposes.In West Virginia supplemental wages are taxed at:Annual wages under $10,000 3.0%$10,000-$25,000 4.0%$25,000-$40,000 4.5%$40,000-$60,000 6.0% Over $60,000 6.5%You may file your West Virginia State W-2s by magnetic media if you choose to.The West Virginia State Unemployment Insurance Agency is:Bureau of Employment Programs112 California Ave.Charleston, WV 23505-0112(304) 558-2674http://www.wvbep.org/bep/uc/The State of West Virginia taxable wage base for unemployment purposes is wages up to $8000.00. West Virginia has optional reporting of quarterly wages on magnetic media.Unemployment records must be retained in West Virginia for a minimum period of four years. This information generally includes: name; social security number; dates of hire, rehire and termination; wages by period; payroll pay periods and pay dates; date and circumstances of termination.The West Virginia State Agency charged with enforcing the state wage and hour laws is:Division of LaborWage and Hour SectionCapitol ComplexBuilding 3, Rm. 319Charleston, WV 25305(304) 558-7890http://www.labor.state.wv.us/The minimum wage in West Virginia is $5.15 per hour.The general provision in West Virginia concerning paying overtime in a non-FLSA covered employer is one and one half times regular rate after 40 hour week. West Virginia State new hire reporting requirements are that every employer must report every new hire and rehire. The employer must report the federally required elements of:
- Employee's name
- payroll address
- Employee's address
- Employee's social security number
- Employer's name
- Employers address
- Employer's Federal Employer Identification Number (EIN)
- When to start Withholding? 14 days after receipt of order.
- When to send Payment? Payday.
- When to send Termination Notice? "Promptly"
- Maximum Administrative Fee? $1 per payment.
- Withholding Limits? 40% of disposable earnings if supporting another spouse or child; 50% if not; amounts go to 45% and 55% if employee is 12 weeks in arrears.
Its always the same old story, you buy a brand new PC and everything seems to be working fine. After six months you find that everything is working a bit slower - applications take a few seconds to open, some windows freeze, and more. After a couple of years it becomes simply unbearable. Have you ever wondered what is slowing your PC? Security software, constantly growing and slowing your PC One of the biggest contributors to the constant decrease in the PCs performance is the security software that is trying to protect it. It is widely reported that security software installed on a PC can dramatically reduce its performance. In fact, PC World has recently revealed that one of the top selling security suites may slow your PC unacceptably*. * PC World UK May 2007 How security software slows the PC? Processing by multiple engines security packages include multiple engines and often these engines were developed by different vendors. These different engines often employ security methods that contradict each other, resulting in conflicts and memory leaks that may even generate blue screens and system errors and may slow your PC dramatically. Constant updates daily security updates make security software an ever growing strain on performance. These security updates include both signatures and new code that is added to the increasingly large footprint. As time goes by, the security software consumes more and more of your PCs CPU and memory. The Solution Yoggie Pico Offloads Security Tasks Yoggie Pico offloads the security tasks from your PC, freeing your PC resources to maximize performance. Both processing and security updates reside on the Yoggie Pico itself, dramatically saving CPU and memory usage. All the security applications that you will need to completely protect your laptop work harmoniously inside Yoggie Pico. Furthermore, Yoggie Picos patented Multi-Layer Security Agent coordinates between the different security components to provide early detection of new attacks as they begin their operation.
Summary: In the face of Asian competition and possible supply shocks to the uranium market, UxC president Jeff Combs urges U.S. utilities to support the expansion of production in the United States. He believes theres a good chance for $50/pound uranium this year. Any shock to supply could send prices much, much higher.StockInterview: How would you sum up the uranium market right now?Jeff Combs: Theres a very tight supply/demand situation that exists now for deliveries over the next several years. If you were going out today to buy uranium for 2007, 2008, and 2009, theres not that much available supply. The supply/demand balance is very tight, and I think thats going to be reflected in prices continuing to rise for a while as utilities seek to fill demand for those delivery years. Since most contracting in uranium is done on a term basis, youre always looking out several years. By the time you reach 2009, for example, youre looking to fill needs in 2012 and beyond. By that time, supply might have responded sufficiently, or even over-responded. Of course, whether or not the supply/demand balance is tighter then depends on how nuclear power expansion is progressing at that point and what happens with respect to the HEU deal. But, in the meantime, production will have had more time to react to higher prices, and this could alleviate some of the supply/demand pressures.StockInterview: How are escalating market-related contracts impacting the uranium price?Jeff Combs: Its pretty much a sellers market right now. You have escalating floor prices that are maybe not too much lower than the current spot price. If you have ceiling prices, theyll be much higher than the current price, and those will also escalate. In some cases, you dont even have ceiling prices. In rare cases, you dont have either ceiling or floor prices. Most producers are looking to sign market-related contracts and not fix the price even on an escalated basis in the future, although they would want floor protection. To a large extent, the utilities dont have too much choice in the matter except to wait and hope that the competitive landscape changes in the future. However, in many cases they need to procure uranium now and cant afford to wait. Thus, they must accept what is being offered.StockInterview: Do you continue to see a speculative frenzy in the market?Jeff Combs: Theres still some speculative activity in the market, but I wouldnt call it so much a frenzy. The importance of this speculative buying has been somewhat over-blown. Total hedge fund/investor volume to date is about 11 million pounds. This buying started towards the end of 2004. The bulk of it was during 2005, and it has continued into this year. It will be much less over the first part of this year versus the first part of 2005; about a half a million pounds so far this year versus 5.5 million pounds through May of 2005. There is probably too much emphasis put on the role of hedge funds or investment funds in the market. If you look at the market, the price especially the long term contract prices has been leading the spot price up. The speculators really arent involved in that part of the market. Over the same time the hedge funds/investor funds were buying, youve probably had a third of a billion pounds transacted under long-term contracts. If you go forward several years from now, you see a very tight supply/demand situation in the market. If you wanted a pure base-escalated contract, the base price for this might be close to $50 today, a good bit higher than the spot price and about a third or so higher than the long-term price at the beginning of the year.StockInterview: Weve been led to believe the HEU deal with Russia will not be renewed. What is your feeling?Jeff Combs: You need to consider how much things have changed from when the current HEU deal was signed. At that time, the Russian economy was struggling, as was Russias "nuclear power" program. Now Russias economy is much more robust, thanks to energy exports. Russia is experiencing a nuclear power renaissance of its own. From this perspective, I think its quite unlikely that the HEU deal will be renewed. When I say that, Im referring to the deal between an agent acting for the Russian Government and an agent acting for the U.S. Government. I dont think that necessarily means that there will not be any HEU blended down after the current deal is over, but that could be done for internal consumption in Russia or be used as supply for countries where Russia is exporting fuel for Russian-supplied reactors.StockInterview: The trading volume on the spot uranium market has fallen off after what transpired in 2005.Jeff Combs: The volume now is certainly less than what it was last year. Volume so far for the year is 6.3 million pounds on the spot market. If this rate were maintained, it would put volume close to 20 million pounds for the year. This would make it more of a typical market in terms of volume from the standpoint of recent history before 2005. Whether or not volume is higher than this depends a lot on the extent to which utilities that are out in the long term market, right now, are able to get offers to cover requirements in 2007, 2008, and 2009. If theyre not successful, they might come back into the spot market. That could boost spot buying somewhat later in the year. Also, some producers have been buying on the spot market. If this buying picks up, it could add to volume as wellStockInterview: Do you believe were going to see $50/pound uranium in the near term?Jeff Combs: Oh yes, I think theres a good chance that well see $50 per pound uranium this year, more likely in terms of long term contracts. I think the highest prices may be reached within the next couple of years. I think thats when supply will be the tightest. In our uranium market report, we develop three price scenarios a base case, a high-price case, and a low-price case. Price spikes or overshoots its long-run equilibrium in all three scenarios. In the high case, which would be the most dramatic spike, I would say it would be somewhere in the $60 - $70 range. Price certainly could be higher than this if the wheels come off the wagon. I think youre definitely looking at price going into the $50s. Its not too difficult to see a scenario where price goes into the $60s. And then it would come down from there.StockInterview: What goes up must come down?Jeff Combs: I dont think these higher prices are sustainable in the long term. You also have the situation now where utilities are going out to buy uranium, and theyre not finding what they want over the 2007-2009 period. It might be the case that some of these newer producers, or producers in the process of expanding production, really arent in a position to offer the supplies in those years. Ultimately, they will have the supply to offer in maybe 2009 or 2010. Since theyre not offering it right now, price can be pushed up a fair amount, setting up the possibility for a correction in a few years when more of these supplies become available to the market. In the short term, uranium supply and demand are very inelastic. This sets up the potential for an explosive response in price, as witnessed by the recent behavior in price. I have to admit weve had to adjust our price projections upwards on more than one occasion.StockInterview: What would be on your checklist of shocks to the market or the wheels coming off the wagon?Jeff Combs: What weve pointed out for a while is that you have the vast bulk of supply coming from a few major production centers and blended-down HEU. If you have a problem with any one of those, it can have a large impact on the market. Obviously, weve already had problems at Olympic Dam and McArthur River, and now Cigar Lake, even before it gets into production. If you have problems at any of these in the future, or at Rossing or Ranger, its going to impact the market. If you had some problem with the HEU deal between U.S. and Russia, it could have a devastating impact on the market. In the past, these problems have been caused by fire and floods, but other factors such as trade policies or the shortage of equipment could negatively impact supplies going forward.StockInterview: But then why did the Cigar Lake delay seem to pass by unnoticed?Jeff Combs: It hasnt seemed to have gotten a lot reaction in the market. I think it depends on how people look at it. Ive heard somebody say, Well, it just means that it just takes 2.5 million pounds of production out of the market because it gets delayed 6 months. Unless Cameco increases the rate at which it ramps up Cigar Lake, then its going to take more than 2.5 million pounds out of the market, because its not going to get to its desired production level until half a year later. Production will be lower in the intervening years, as well. The problem is that this delay in production is coming at a time when supplies are very tight in the market, the 2007-2009 timeframe. I think it could also impact the market by increasing the levels of inventories held because you really dont know when the next flood or next problem is going to occur. Until production expands more, any shock to supply could send prices much, much higher.StockInterview: What should U.S. utilities do to protect their supply channels in the face of possible market shocks and especially in light of the aggressive Asian appetite for uranium?Jeff Combs: Thats a good question. I think that U.S. utilities should support the expansion of production in the United States, in addition to maintaining their supply channels to major uranium producing countries, or perhaps developing them in the case of Kazakhstan. I think its more of a case that U.S. utilities should look at what all their options are, try to stimulate additional supply options, and in the process promote domestic production. Right now the market is fairly concentrated. There are not a lot of suppliers. While foreign utilities havent been, to date, looking at the U.S. as a supply source, they also have a desire to promote supply diversity, and could look to the U.S. for supply in the future.StockInterview: To be blunt, are U.S. utilities going to get caught with their pants down, at some point during this decade?Jeff Combs: If you had some kind of supply interruption or shock as we were talking about before, certainly that would create problems, not just for U.S. utilities, but for any utilities that were uncovered or have contract payment terms that relate to the market price with no real ceiling price protection. If you have really aggressive nuclear expansion in China, if India is allowed to play in the market, and if Russia goes ahead with its reactor expansion program, this makes the chances of price getting out of control somewhat greater down the road. Weve been warning of these issues for a while. I clearly dont think were out of the woods yet. When I say that were not out of the woods yet, I still believe that some utilities may be putting too much faith in current prices in that they believe that the now higher prices will take care of the problem of future supplies. While higher prices will certainly stimulate more production, I think that you must ask the question whether these prices are the antidote for the supply problem, or whether they are more a symptom of a severe deficit of supply that the market is facing. The answer to this probably determines how proactive utilities will be in securing future supplies. We wrote an editorial in 2003 that I think pretty well captured the state of the market at that time and the market environment we have seen since.
Many people dream of running their own business and of giving up the day job. Most of these ambitious individuals only have the most basic of skills needed, and recognize that their business would not stand a great chance of success. A Franchise is the answer for many of these would-be entrepreneurs.A Franchise works by the franchiser selling a business plan to the franchisee. The fee paid may include marketing, a site, a website and vehicles in company livery. The most important thing the franchiser provides is training in implementing the business plan. Franchise businesses have a much greater chance of success because the franchisee has training, guidance and supervision in the early stages. This support is expensive and the franchisee may have to pay a percentage of turnover or profits to the franchiser.Many high street businesses are run on a franchising business model including McDonalds and many other fast food and coffee businesses. Other favorites are cleaning businesses and vending machine businesses. A franchise has disadvantages, too. You have to obtain your supplies from a limited range of approved suppliers, or even, just from the franchiser. You have to stick with the franchiser's business image and are not free to develop or change the business image as you want to.You may find franchises from unscrupulous business owners who have decided to offer franchises in an unproven business to make a quick buck. You need to research any potential franchise in great detail, and to make sure the franchiser is part of a Franchise Member Group. If possible, you should talk to others with the same franchise and try to benefit from their experience.Franchise operations do offer a supported and easier route into running your own business than just going alone, but there can be heavy upfront costs. Your research will soon show you that most franchises cost between five and twenty thousand dollars. You may find a vending machine franchise for less, and a McDonalds franchise could cost you a cool $250K.