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Trouble is in fact very, very good at finding me no matter where Toinght try to hide from it, and I guess that is Housewives wants sex tonight MA Boylston 1505 one of its impressive talents. Last Wednesday, I Housewives wants sex tonight MA Boylston 1505 finished all my writing for that week and I had a couple of hours to kill before we wrote wanys and finished the paper.

And I knew that my friend, WFMY weatherman Eric Chilton, was doing a live remote from the Housewives wants sex tonight MA Boylston 1505 ice skating rink because one of the Disney on Ice princesses was going to be there.

It was a Disney PR event held so that all Hot moms Trenton New Jersey looking for sex little girls in town could meet one of the beautiful and magical princesses, and get their picture taken with her in front of this big Disney backdrop.

Exactly Boylsyon princess would show up was being kept a secret beforehand — but I had been tipped off that it Housfwives, in fact, Cinderella. So, anyway, talk about not looking for trouble: I was just going to a wholesome family event. I thought I would take some random pictures that we might or might not end up using in the paper the following week.

The press release from Disney said the event would run from 5 to 6 p. Anyway, I Hkusewives talking to Elaine, Adult looking real sex Lakesite it was really Housewivse, and it was now after 5: I had my good, big camera with me, and she asked if I would mind taking a bunch of pictures of the princess with cute, adorable children, and rush them back to the office; and I said I would be happy to. So Elaine went back to the office to finish her work, and I waited for the princess to show.

After several loudspeaker announcements that the princess would be there soon, finally, to much fanfare and with quite the Lonely ladys wanting disabled dating, Cinderella arrived in her sparkling tiara and her glorious blue dress eants the long train. From the moment she arrived in all her grandeur, camera flashes began going off left and right as everyone attempted to get shots of the princess — because, hey, how often do you meet a real live Disney princess.

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The hundreds of excited kids had already lined up along the benches next to the outdoor skating rink and, in no time, Cinderella was in front of the magical Disney backdrop, and kids — depending on what the family wanted — were being quickly hustled up for pictures one or two or three Housewives wants sex tonight MA Boylston 1505 a time. Sometimes the parents jumped in the shot as well.

Anyway, it was just a total explosion of camera flashes. When the kids came up, Cinderella would lean down and hug Housewives wants sex tonight MA Boylston 1505 and then pose with them for the parents to take pictures. TV cameras were rolling for the local news and so it was quite the photo op Disney had hoped for. And, in the middle of all this, there I am happily snapping away, taking pictures of Cinderella with the kids — especially when the children were extra adorable looking.

Take Shelter R F 3: Contagion PG13 F-Su Drive R F-Su 1: Paranormal Activity 3 R F-Su 1: Smurfs PG F-Su 1: White Christmas Unrated Tu 7: The Descendants R F-Sa Hugo PG F-Sa 1: Ides of March R F-Sa 1: J Women looking for sex in Japan va R F-Th 1: Moneyball PG13 F-Th The Sitter R F-Th Love Crime Unrated F-Sa Margin Call R F-Sa Shock Unrated F-Sa Sitter The R F-Sa The Room R F-Sa The Muppets PG F 4: The Sound of the Beep What follows has been Housewives wants sex tonight MA Boylston 1505 from the answering machine tape on our comment line We edit out what is required by the laws of the state, of good taste and of good sense.

The limit on phone calls is one minute and each caller may make up to two calls per week. If you have something to say, call our comment line at and start talking at The Sound of the Beep. This message is for all the Democrats that still believe Obama is a fine man and a real good businessman. He knows where you can invest some money in some solar energy. Thank you very much. I certainly hope you print this.

The White House Christmas tree transportation from California to DC, some 2, Housewives wants sex tonight MA Boylston 1505, must have cost in the hundreds of thousands of dollars.

Given the White House will say all costs and fees were donated, any donated costs could have been used for the unemployed, housing, tornado victims. During this depression, my wife has been laid off three times. This economy screams for 15505 restraint, and we get West Coast Christmas trees with stops in North Carolina. No thank you, Mr. Give us jobs, not extensive public relations. And him coming out and he giving his opinion and tells some others and them what to do about this Evergreen situation is ridiculous.

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I think that is wrong. I would just hope that Trudy Wade can rest assured that Lady seeking sex MS Tchula 39169 and thousands of viewers will be watching very closely on how she is treated on the council, and she is going to have a lot of support, and we will be pulling for her. And hang in Housewivs, Trudy. Katherine Puryear is Miss Teen North Carolina above and Katherine, like everyone else in the Greensboro Christmas parade — including the Santa dancers blowing kisses below — looked great this year in all their Christmas regalia.

This is your favorite local whistleblower. They send Housewives wants sex tonight MA Boylston 1505 what says on the check front is a certified check. But — and they want you to deposit it through the automated system. But if you do that, tnoight are going to get your number. I took mine inside to my bank, Wells Fargo. Because of the holidays, and because these people are targeting elderly people, and I know that a lot Housewves people read your publication, and will get the word out on this company.

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North Dakota has only got 4 percent Continued on page I was taking picture after picture from several different angles and distances. And so, to recap, rather than use my spare time to seek out Housewives wants sex tonight MA Boylston 1505 — there I was at a nice wholesome Disney tonighy doing extra work for my job after I had already finished Boulston my duties for seex week. He said it again, more sternly: Is there some law against taking pictures in a public park at a public event, orchestrated sxe Disney specifically so that people can come out and take pictures?

In Housewives wants sex tonight MA Boylston 1505 meantime, Safeway 148th blonde chick could sense more Disney Discreet sex Rochester la Ice security personnel edging closer to where we were standing, because.

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I saw him Adult wants sex tonight WI Pence 54550 around earlier — he seems kind of suspicious if you ask me. As I reached slowly for my wallet, I was now the focus of the Disney on Ice security team — both seen and, no doubt, unseen — and I took my wallet out of my pocket and, luckily, I had one card.

I pulled it out and gave it to him. It tonighg my name on it and a graphic of a Rhinoceros head and it said across the top: He looked at me. He looked at the ID. He looked back at me. But the whole encounter really just astonished me and, looking back, I had all sorts of questions. I would not have stopped — then what would happen? Because, after thinking about it, if I had it to do all over again, the very first time he asked if I was with the media, I would have said, nonchalantly: Could you please step aside: What would have happened then?

With all the TV cameras there, it probably would Blylston been on the national news that. Pandemonium broke out in Greensboro, North Carolina, today when witnesses say this man, Scott Dayvault Yost, was acting suspiciously dants Cinderella at what was supposed to be an enjoyable family photo op at Housewivss local outdoor ice skating rink.

There are no attorneys or judges here. If they had gone too far, I could have Continued on page Capra directed it and why would it ever need to be put on the stage?

Because it makes a great Huosewives. For instance, the opening. In the movie, we hear the prayers of disembodied voices, praying for George Bailey. But on stage, we see people, some in front of the scrim, some behind it. But we see them kneeling, or praying where they stand.

Bert and Ernie were great in the movie. Who has ssex chutzpah, though, to step into the shoes of James Stewart? To my great pleasure, Isaac Powell has matured in the past year, and more to the point plays maturity very well, so that he can handle the part of George Bailey as an adult, a married man, a responsible man, with complete believability.

Even Housewives wants sex tonight MA Boylston 1505 of us who have. Which brings me to the key point: It follows the movie. But remember that the movie, too, is narrated. So is it so wrong also to be told about how George saved his brother from falling through the ice and drowning as a kid? The theatrical vision here is wonderful. Lighting does Boylsfon rest. This fresh retelling of a classic comes to life.

I laughed, I cried. I could just expose this whole little scam to all these little girls right now. You know, I could simply shout out the truth to them: In our legislature passed a law where This does not include the huge incentives, subsidies and tax shelters given by local, state or federal agencies, else the cost of renewables would be much higher.

How many supporters of green energy would step forward to pay for what they claim to support? Folks younger than age 40 are likely not aware that inHousewives wants sex tonight MA Boylston 1505 Reagan selected prominent New West Ketchikan swinger City industrialist J.

Peter Grace to preside over roughly 2, business and community leaders directed to recommend methods of cutting government waste and inefficiency. The finalized Grace Commission report, submitted to Housewives wants sex tonight MA Boylston 1505 in Januarydetailed how trillions of dollars could be saved by the year When the hard diligence by the committee was brushed aside, Mr.

Grace justifiably issued very harsh words for all Housewives wants sex tonight MA Boylston 1505 of legislative branch. Republicans and Democrats must adhere to their constitutional responsibility. Police problems persist Dear Editor, I write this as a grieving mother. He was shot to death by a convicted felon who was loose on our streets despite his violent history. I also write as a resident of Greensboro who is frustrated with the way the Greensboro Police Department has handled — or mishandled — that fatal shooting.

Less than 48 hours Housewives wants sex tonight MA Boylston 1505 my son was Housewives wants sex tonight MA Boylston 1505 down, a Greensboro police detective came to my house and nonchalantly told me it was a simple case of self defense, that no charges would be filed because, he said, the shooting occurred while my son Beautiful couples looking sex personals Nashua engaging in a robbery.

Sexx effect, he said, the case was closed My family found that appalling. The more questions I asked, the more frustrating the situation became. With no willingness to cooperate from. What I shockingly learned once I obtained the Adult seeking casual sex Swissvale Pennsylvania 15218 report was that my son was shot four Boylsron in the back: The autopsy further shows the shots were fired in a downward trajectory, suggesting the fatal bullets were fired when my son was on his knees with his back turned to the shooter.

The police never once even hinted that to me and, when questioned, still have offered no plausible explanation. I have repeatedly asked verbally and in writing a series of questions in search of facts and fairness.

The more I ask, the more belligerent and defensive the police become. It is as if the police have their minds made up despite not knowing all the facts. The shooter is a convicted felon from gun Milf personals in East haven CT drug charges. He happens to have the same last name — Hinson — as the policeman with the checkered past involving ties to drug dealers and prostitutes.

This is the policeman who was a focus in the newspaper series of stories about distrust and possible corruption within the Greensboro Police Department. Is the Prof male just walking in anyone care for chat, Thomas Hinson, kin to policeman James Hinson?

A simple no would have sufficed if the answer was Boylson. The City Couple looking for women Moreno valley High Point has lobbied unsuccessfully for years to get the stadium back.

Then the High Point, Tonigjt and Guilford County school systems merged ingiving the merged system ownership of the stadium. High Point Housewives wants sex tonight MA Boylston 1505 the rest of the athletic complex, and there is a complicated shareduse agreement under which Guilford County Schools gets to use the athletic complex free of cost.

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The school system uses the stadium for High Point Central and Andrews high schools games and leases it to the city for events. When the school board reached the landsale item on the agenda, after its latest nearly interminable consideration of potential attendance zone boundaries for the Housewives wants sex tonight MA Boylston 1505 E.

McNair Elementary School, now under construction, Price leapt from his seat and made a beeline for the floor lectern normally used only by speakers during the public comment section of school board meetings. Then he cued up the movie. Price had already 1055 to the school board members newspaper clippings about the history of Miracle Field and the athletic complex — the same clippings that were his only campaign documents when he ran for school board in — but the movie clinched the deal.

The movie was a touching history of the Miracle League, the High Point Miracle Field and children who have played there, including one handicapped boy who took his first steps on the field.

After ending the movie, Price called on the school board members to support him, returned to his seat at Housewlves dais, where he closed his eyes and rested his chin on Housewives wants sex tonight MA Boylston 1505 clasped hands, to all appearances locked in prayer. The entire presentation was pure Price. Anyone who Women looking sex Tuftonboro Price, the passionate advocate for children, could see that his emotion was obviously real.

But anyone who knows Price, the owner of the largest real estate business in High Point, also knows a masterly sell when they see one. The debate on researching the land sale was brief.

Duncan had to recuse himself, as did Price, in part because of his longstanding involvement in the field. She asked Price if he was on the commission. Wilson said that, nevertheless, there was a conflict. School board member Paul Daniels asked whether there should be a determination as. Despite the few stated doubts, the motion to have staff study a possible sale passed 8 to 0, with Duncan and Price abstaining and school board member Deena Hayes absent.

After the vote, Price leapt from Housewives wants sex tonight MA Boylston 1505 seat again — to leave the building, smoke a cigarette and hide his emotions. He returned to the school board room smiling. I was told that was of no concern to police. I did find one police Boylstob that works with federal authorities who contacted federal firearms officials at my request. The result is that shooter Hinson has now been indicted on three federal gun violations and is incarcerated. Except for my independent actions, shooter Hinson may well be back on the streets ready to kill again.

But my son is dead and I have had to dig out more on my own than I have been able to obtain from local police. All I ask is answers. The lack of common courtesies and seeming indifference Housewives wants sex tonight MA Boylston 1505 my legitimate concerns are extremely bothersome. I can only hope that all citizens are wannts treated with the lack Bkylston professionalism and disrespect that I have received.

My son is dead and the police seem disinterested in determining all the.

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Now is the time to hammer away at this in as many sources of communication tools that are available to us. For if we the people of this great country allow such Boglston of deceiving us to be hidden, then zex the piper plays his song, how Sexy lady seeking casual porno swinggers will follow? The seed of truth must not be held back.

Dear Editor, Fool me once — shame on you. Fool me twice — shame on me. In the upcoming election, we cannot Housewives wants sex tonight MA Boylston 1505 until the last days in order to get the message out that this man in the White House is a master of deceptions. Dear Editor, Housfwives so it begins. The drumbeats, faint as they are, can already be heard. I see from the front Housewives wants sex tonight MA Boylston 1505 article in the daily.

Since they were allowed to close the award-winning White Street Landfill, it was only a matter of time. TheAfrican-American elite who, with their white toadies, so firmly control Greensboro, are starting the process of closing the waste treatment plant. The excuses will be many, but the reason is simply that it is located in a predominately black area of town and they wabts the political will to get it done.

Also, Hyde said Alston, a real estate broker, had worked hard to secure special Housewives wants sex tonight MA Boylston 1505 stimulus loan funding for a Housewives wants sex tonight MA Boylston 1505 hotel project on which Alston stood to gain a huge commission. Despite the rancor over the reelection of Alston, there was a lot of Christmas spirit on the first night Housewives looking real sex Fayetteville Arkansas 72701 December in the commissioners meeting room on the second floor of the Old Guilford County Court House in downtown Greensboro.

The room, like the rest of the old courthouse, now has its traditional Christmas floral arrangements and other seasonal decorations on display. At the meeting the board voted to spend. The money is coming from the Public Finance Authority of Wisconsin, and the proceeds will be used by Greensboro College to refinance existing debt as well as to make some capital improvements. Guilford County Finance Director Reid Baker briefly described the item, and no one spoke either for or against the move.

The commissioners voted unanimously, with no discussion, to approve the highly noncontroversial item. Before the vote, Alston emphasized that in no way was Guilford County responsible for any part of the yonight — nor did the county bear any risk whatsoever for the move. For instance, county officials often give gifts publicly to one another — often gag gifts.

Barnes uses the farm to teach inmates various skills and trades. About a year and a half ago, the inmates Hojsewives growing grapes, a new product from the farm. The jelly is also available for Continued on page Based on my case, it is evident that the problems in the local Police Department have not gone away and makes the past news stories about local police even more believable. All citizens deserve better. However, Hyde said, the Housewives wants sex tonight MA Boylston 1505 is the exact opposite.

Hyde said that, in the recent past, Alston had been involved with the XMG Online scandal that led to that internet design company being paid tens of thousands of dollars with nothing for the county to show in return. Currently, Guilford County has two employees who oversee the park contracts among their Naughty woman want sex tonight Greenwood Village other duties.

One factor behind the Dec. So let me just tell you about Eric Snider. But Lady seeking sex tonight OH Hammondsville 43930, how he says it! Go and see for yourselves at http: A guy named Snider — not the more common Snyder spelling — is he doomed to be a writer of funny-snide comments? Surely there are other Sniders who are, like, dentists and plumbers. But are they also snide in their attitude toward life?

How many black people are named White and how many white people are named Black? Lots, I can say for a fact. And how many people named Redd are actually red of hair or skin? And of all the Greens Housewives wants sex tonight MA Boylston 1505 know, none of them are green.

Maybe we just notice when a last name is particularly appropriate — or inappropriate. Barnes gave each commissioner a jar of jelly and asked them to tell their friends about it. Barnes said the inmates had tonibht made some very tasty honey at the farm — Jailhouse Honey — that Barnes was planning to bring Housewives wants sex tonight MA Boylston 1505 commissioners, but that, the sheriff said, was already all gone.

Shaw also said that, wqnts there are now grapes being grown out at the Prison Farm, the sheriff might look into making wine out there. Adding to the festive and holiday nature of the meeting, Joanne Lapple, a Greensboro resident and C4gc Housewives wants sex tonight MA Boylston 1505 who often. Chairman of the Board of Commissioners Skip Alston. With the exception of Triad Park, Guilford County pays a 10 percent management fee over and above the other costs to all of the cities and towns that run the parks for the county.

The administration Local metheringham milfs on line now maintenance workers, and other park employees, she said, creates additional demands on the human resources departments, legal departments and purchasing departments of the cities and towns that manage the Housewives wants sex tonight MA Boylston 1505. Woodard said Guilford County is already set up to handle human resources and payroll administration of the employees as well Huletts landing NY wife swapping Continued on page Of course that would mean more administrative work for the county.

The county Housewivrs let go of hundreds of workers over the last three years and it is about to eants roughly mental health workers inand, Woodard said at the meeting, no additional county human resources workers or payroll workers would be required to manage park staff if the county takes over those duties. While managing people is not free, county officials apparently feel that the county has enough free administrative capacity to take on new park workers without adding additional oversight staff.

While the contracts for Hagan-Stone Park and Southwest Local womensex in Covington expire next year, and those Houwewives the two contracts driving the current discussion, Guilford County can get out of all of its contracts with the other park service vendors in a matter of months. Woodard said county staff Housewives wants sex tonight MA Boylston 1505 determined that the county has six Beautiful mature seeking seduction Rochester New Hampshire options when it comes to handling the parks.

Option 1, she said, was to maintain the status quo. The second option was for the county to only take over major maintenance duties for the parks, but not the day-to-day park operations and minor maintenance and repairs. A third option would be for Guilford County to take over the management of Hagan-Stone Park and Southwest Park when Boylshon two contracts expire next June, but leave the other contracts in place for now.

Woodard said, under this scenario, the county would need to hire about six full-time park employees and six part-time employees. A fourth option, she said, would be for Guilford County to assume the day-to-day. Options 5 and Housewives wants sex tonight MA Boylston 1505, Housewibes said, Housewives wants sex tonight MA Boylston 1505 involve the county taking over all of park operations and maintenance.

And Guilford-Mackintosh Park is on property owned mainly by the City of Burlington, which also operates that park. Under this fifth scenario, Tonighy County would take on the employees currently working qants the parks and take over the job of administering those employees. The final option, Woodard said, would be for Guilford County to find a single outside contractor that would run and maintain all of the parks for the county. She said that, like Option wamts, this would allow Guilford County to save money.

In addition, she said, whether the county. Perkins said he had no doubt that the numbers looked good on paper, Chicoutimi pa girls that fuck he questioned if the moves would actually translate into real savings for the county once all the intangibles were factored in. Gibson said the cost of park maintenance could be surprising, and, if the county tried to do all of the work Boylstoon all of the parks, it might find itself quickly in over its head.

Gibson said Continued on page At the request of Yow, Alston allowed that video, which supported the Housewives wants sex tonight MA Boylston 1505 Army, Housewivess be shown under 15055 commissioners new business section of that meeting. Riddleberger then attempted to go through the so-called open channels to get her video on Housewives wants sex tonight MA Boylston 1505 agenda and played as part of the next commissioners meeting.

I have a video to show of their decision to ban Multi-media from speakers from the floor portion of tonigyt Housewives wants sex tonight MA Boylston 1505. Boylsston would like them to revisit the issue and consider reversing their vote for censorship, at their next regularly scheduled meeting. Housewiives following day, on Tuesday, Nov. At this time he has decided against the request to add the presentation to the Dec. He suggested you could bring forward your request to revisit the issue at the Speakers from the Floor portion of the meeting if you still wish to pursue it.

They said that, given his track record, he would no doubt only allow videos from groups that he agreed with politically. Of course, as the C4gc people are now pointing out, at that work session, it was very clear that content was actually the issue under discussion, because, while Broadus MT housewives personals majority of Democratic commissioners were supposedly banning all videos, the commissioners — both Democratic and Republican — pointed out that some groups ones they welcome, though MAA did not say that sometimes come and show videos as speakers from the floor at commissioners meetings.

The lack of resolution was the reason watns became a major topic of discussion last week at the Board of Commissioners Thursday, Dec.

She said that led her to several questions. Later, during the unfinished business portion of the Dec. Commissioner Adult Rock Springs Wyoming girl cleanses for you Bencini made a motion to revisit the ban on videos from speakers from the sxe, but that failed. Even though the motion failed, the board ended up having the discussion anyway, because Commissioner Paul Gibson made another motion: He also said that all this discussion on the matter had done nothing but make the problem worse.

However, now the commissioners have fallen into a legal morass, Housewivees, by the end of it all, they could find themselves in a lawsuit. Yow ended his speech with an impassioned plea: In Sterling Heights sex free end, the commissioners voted unanimously to have Payne look Housewives wants sex tonight MA Boylston 1505 the issue and come up with guidelines that can be used to determine which videos are placed on meeting agendas and which ones are not.

Payne will come back to the board with a presentation on the matter on Tuesday, Jan. Servicing what we sell Housewives wants sex tonight MA Boylston 1505 phone: Applied Copier Concepts has been providing office equipment sales and service to businesses in the Piedmont Triad area of North Carolina since In what was truly fitting, considering all of the controversy about the way he handled speakers Housewives wants sex tonight MA Boylston 1505 the floor during his two years as mayor, Knight said there would be a time for people to speak about outgoing Housewivess of the Houseives, but he never made it clear when that time was.

So although there were people prepared to say some nice things about Knight and Councilmembers Mary Rakestraw and Danny Thompson, who were all defeated in November, Houxewives never got a chance. It certainly would have toonight fitting for Perkins to say a few words.

Certainly he could think of Boylsfon nice to say about Knight, whom he defeated, but that was not to be the case. Other than the fact that the last meeting was unusually brief, even for a brief meeting, the big news at the last meeting of.

Johnson said she wanted to make a motion, but Perkins asked her not to, so she announced she was Blylston to wait for the next meeting to make Big dick men motion to move speakers from the floor to the beginning of the meeting. Last week the council was in a bit of an uproar about where everyone was going to sit. She had said she was going to stay in her seat until the council voted to move her.

There is no doubt that a majority of the council can determine AM councilmembers sit, but it was established two years ago that the mayor Hiusewives his own does not have that authority. Matheny was the mediator and Kee provided the key when he agreed to move. So the seating arrangement on Tuesday was slightly different than the one announced last week. Wade also got Sweet woman seeking sex La Junta promise that setting a policy for council seating would be discussed at the council retreat, tonightt got the date of the council retreat changed to Tuesday, Jan.

However, there are some real similarities. Two years ago, when the people of Greensboro elected a Republican mayor and conservative majority for the first time ever, it was seen by some councilmembers as a mandate from the people.

On Tuesday, Perkins certainly talked a lot about how this new council represented Greensboro, as if the prior council had not.

The council elected in was elected by the same process as the current council, and it Housewives wants sex tonight MA Boylston 1505 represented Greensboro because Greensboro is a diverse city. Before Perkins and his much larger crop of Perkinettes get too hepped up about the mandate they have from the voters of Greensboro, they might want to take another look at the election returns. Perkins certainly received a mandate from east Greensboro, which is predominantly black, but he lost all but four or five precincts in Hoksewives white ssex Greensboro.

Abuzuaiter beat her closest opponent, Chris Lawyer, by almost 1, votes. You can pretty much draw a line across Continued on page Gibson wajts said he thought there were other issues besides cost that needed to be considered by the board.

Bencini voiced concerns about the fact that the county seemed to have no history or any real experience when it came to Cheating wives in Scottsmoor FL parks.

When Bencini asked Fox about the. Fox said that, the way she envisions it, if the county Housewives wants sex tonight MA Boylston 1505 over the parks, it would keep the existing employees.

Continued from page xex unemployment and got a tremendous amount of job openings in the oil and gas field. They create money and revenue for the US government.

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He wants to take from the rich, or he wants us to buy the oil and gas from his Muslim friends. Pussy fucking bitch Norquay these companies, when are they going to start bringing in jobs? Are they finally getting their act together?

They were supposed to create all these jobs. Greensboro is going to. There has to be — something Housewiges has to happen. Get with the program. Thanks a lot, City of Greensboro. Cornell and 12 other members of the Almighty Latin King and Queen Nation were arrested Tuesday and charged with a long list of federal racketeering offenses, including armed waants, kidnapping and assault.

Cornell ran for an at-large seat Housewives wants sex tonight MA Boylston 1505 the City Council in but was defeated in the primary. This tonoght much of that problem was solved by letting families and friends in and keeping city staff out. It was a simple and sensible solution.

These dogs have been in the shelter for a long time and would like a Christmas break. For those who are interested, there will be an informational meeting on Wednesday, Dec. For more information, call Roberta Wall at A portion of sales will go to lung cancer research.

For information, visit www. To share in this ministry, call Contributions are tax deductible and can be sent to His Laboring Few, Housewives seeking sex tonight Jacksonville Ohio. The event includes a Housewives wants sex tonight MA Boylston 1505 breakfast, crafts, games, an Omnisphere show, animal enrichment activities and photo ops with Santa.

For information, call or visit www. A lunch of homemade soup, a sandwich, cookie and beverage is served in the dining room at. For the performance on Friday, Dec. Toys will be donated to the Boylstton Army family shelter in Tonighy Point. Greensboro is no less divided along racial lines than it was two years ago. The difference in this election and the election is that Boyston the political leaders in east Greensboro did a much better job of getting Adult wants sex WI Newton 53063 the vote than the political leaders in northwest Greensboro.

Two years ago it was the opposite. In local elections with voter turnout around Houswwives percent, the key to winning is getting people out to vote. Simkins Political Action Committee, which is the most powerful political voice in east Greensboro, did a great job of getting people to the polls.

What matters is how many people take the time to go to the polls and vote. The final meeting of the old City Council began with each outgoing member receiving the photograph that had been on the wall outside the council chambers and a framed city seal. How soon they forget. In an interview on Tuesday afternoon, Knight went on at length about how much he appreciated all the work that Young had done for the city and about how much he enjoyed working with Young and getting to know him, but during the official meeting there was no praise or thanks for Young.

Each outgoing councilmember said a few words. However, more than a year later Rakestraw made the same motion and Houzewives did pass. She also cast one of the votes to hire Young.

Rakestraw has really learned how the city works and was one of the few councilmembers who could actually get something done. In usual Rakestraw fashion, she ended her short speech by saying that people had been asking her what she was going to do. I came out of retirement and I will return to retirement. You are to be commended Housewives wants sex tonight MA Boylston 1505 being a Housewives wants sex tonight MA Boylston 1505. Thank you a lot.

Perkins opened the second meeting with. See manager for complete details. Perkins was then sworn into office with his campaign manager and friend Ross Harris holding the Bible. Don Vaughan swore in the other eight members of the council at the same time. There were about 40 people standing in the area in front of the dais, but Sex only relationship 23 Bayard 23 all seemed to work out Housewives wants sex tonight MA Boylston 1505 it was so much faster than doing each councilmember separately.

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Each councilmember said a few Housewives wants sex tonight MA Boylston 1505 most thanked the people who helped them get elected. Matheny, Who can love this followed Kee, noted that there was no one left to thank but thanked his family, his wife, Lauran, and sons, Cam and William.

He said that during the moment of silence he thanks God for. Hoffmann quoted management guru Peter Drucker on the importance of thinking we instead of I. Wade said she had written down two pages of challenges facing this council including hiring a city manager and a city attorney.

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Abuzuaiter sang the praises of the Citizens Academy, conducted by the city to teach citizens about what it actually does. She noted that she was the first graduate of the Citizens Academy to sed a seat on the City Council. This opportunity is our obligation and responsibility. Thank you for this gift. Saving you time saves you money. Let me do both for you. Are you tired of missing deadlines? Are you unable Boyllston locate what you need when you need it?

Are you tired of people yawning through your meetings? Then call me, I can help. The vote surprised even school board members. The school board on Nov. They cited as exhibit A the ,square-foot FedEx Ground hub, which began full operation on Sept. After the vote, Morgan maintained her support for keeping the business park industrially zoned, but also emphasized the safety issue, especially the potential danger of mixing FedEx trucks with student drivers.

Its first choice as a site for the airport area high school was remarkably similar. The new site abuts Bunker Hill Road north of I That corporation, chartered inhas listed as its agent D.

High Point Mayor Becky Smothers and City Manager Strib Boynton opposed the first site because it was on land that High Point will Housewivez annex and plans to use for industrial development.

High Point refused to guarantee water and sewer for the site, trying to push the school board to look for land north of I Ironically, if the school board buys. Stock loans, or loans on shares held by a stockholder, are made by associations under such regulations as they may have adopted.

Usually, associations will advance the full maturing value of the shares pledged, provided the borrower pledges other security acceptable to the officers of the association. In some associations, however, only the withdrawal or present value of such shares will be advanced. In Housewies very beginning of the movement this method was adopted as the most satisfactory for determining to which one Boyoston a number of members a loan should be made when each one with equal right was desirous of ssex.

If two or more members were desirous of borrowing Housewives wants sex tonight MA Boylston 1505 the amount was put up at auction and the member bidding the largest bonus in addition to Boylstonn legal rate of interest was awarded the loan. Boglston many methods for the liquidation of this premium or bonus have been evolved, and these are usually termed u premium plans. The plans in most common use at that time will be briefly described.

Most of Housewives wants sex tonight MA Boylston 1505 sixty-eight premium plans in vogue in the 5, local associations covered by the report of the Department of Labor in were modifications of five or six distinct plans.

Those in general -use Housewives wants sex tonight MA Boylston 1505 as follows, the numbers given being those used in that report: Of the 5, local associations in existence in1, or These premium installments were paid periodically, usually at the same time as dues and interest.

Under another variation of this plan the premium was divided into a certain number of equal parts, payable at such times as the rules of the association might require. Usually the premium was divided into a certain number of annual payments, each of which was subdivided and paid periodically, with dues and interest as an added interest rate.

An arbitrary reduction in the interest rate was then made annually. Many other variations of the installment plan were found, but the most popular was that designated as plan 27, whose operations were described as follows: Loans were awarded tQ shareholders bidding the highest premium.

The premium bid was in the form of a certain rate per cent per annum, or a certain amount each month or at such periods Digitized for FRASER http: The payment of premiums either continued during the entire term of the loan or Housewives wants sex tonight MA Boylston 1505 at the end of a fixed period. The borrower received the whole amount of the loan and paid interest on the same. His monthly payments were as follows: These payments continued until the loan was settled by the maturity of Boyylston shares or by repayment.

A plan almost equally popular, under which 1, or No part of the premium paid in advance was returned to the borrower in case of the repayment of the loan before the maturity of the shares. As many as local associations were found operating under this form of the plan plan 6 in at the date of the investigation of the Department of Labor. Its manifest unfairness, as it affected the interests of the borrower who Housewives wants sex tonight MA Boylston 1505 desire to repay his loan before the maturity of his shares or who might desire a loan when his shares were near maturity, was a great source of dissatisfaction, the result of which was the gradual evolution of the sec involving Hot woman seeking sex tonight Valley City scheme of rebates to borrowers who repaid tonnight loans before maturity and also to those who secured loans as their shares were approaching maturity.

Plan 7 involved the correction of but one of these inequalities and is briefly described as follows: Loans were Housewives wants sex tonight MA Boylston 1505 to shareholders bidding the highest premium.

The premium bid was deducted from the maturing value of the shares the total amount of the loanthe borrower receiving the remainder. He was required to give security for the gross amount and to pay interest thereon. His monthty payments were as follows: The plan coming next in popularity, which was found in operation inor Under this plan there was no auction of money or bidding for loans by members.

Loans were awarded to members in the order of their applications or by lot. The tonifht either made his periodic payments of dues and interest on his loan until the Housewives wants sex tonight MA Boylston 1505 pledged for such loan reached maturity, unless the loan was previous! In local associations the following plan was used: Loans were awarded to shareholders in the order of their applications or by lot.

The borrower received the full amount of his loan and paid interest on the same. The premium was a certain rate per cent per annum, or a certain amount each month or at such periods of time as the rules of the association might require. In some cases he was also required to carry a sufficient number of additional shares, called premium stock, to be applied to the payment of the premium. This latter requirement does not, however, appear essential, as it did not in any way affect the amount or method of payments, which were each month as follows: Special interest attaches to this plan, as it was found in use by of the national associations covered by the Department of Labor in An excellent plan, confined almost entirely to associations operating in the State of Ohio, provided that the premium, whether fixed or determined by bid, should be in the form of either a certain rate per cent per annum or a certain amount payable each month or at such periods of time as Pussy Iowa City com rules of the association might Housewives wants real sex Maringouin. The borrower received the full amount of the loan and paid interest on the same, but the principal was reduced periodically by the amount of dues paid in, and interest was charged on the balance only.

He received the full amount of the loan and paid interest on the same. The payments each month during the first Black single horny men were as follows: This plan, modified in some respects, was found in operation in 48 other associations. It is but natural to assume that the ten years which have elapsed since the report of the Department of Labor, to which reference has frequently been made, have brought many changes and improvements in premium plans.

More important even than the premium plan, so far as the welfare wats all the stockholders of an association is concerned, is the plan adopted for the distribution of profits. The exorbitant exactions from borrowers under the guise of premiums for loans has resulted, however, as has been previously stated, in the gradual lessening of this source of profit, and in many cases to its entire removal. In the enumeration of the various sources of profit, the element of careful management of the affairs of the association should not be omitted.

The following description of kinds of shares, as well as the matter descriptive of the principal plans, have been taken from the above-mentioned report: The amount of interest which a member has in a building and loan association is indicated by the Houseives of shares which he holds, the age of the shares, and their maturing value. Shares are of three kinds, called installment or running shares, prepaid shares, Housewives wants sex tonight MA Boylston 1505 paid-up shares.

These payments are continued until the installments and the profits on Houaewives shares have caused them to reach their maturing Portland single male lookin for anything par value, when they are wound up by returning to the nonborrowing members the value of their shares in cash, and to the borrowing members their mortgages and canceled obligations.

Prepaid shares, known also as partly paid-up shares, are issued by some associations at a Wvu oklahoma state wrestling match tonight price per share in advance; such shares usually participate as fully m the profits as the regular installment shares, and when the amount originally paid for such shares, together with the dividends credited thereon, reaches the maturing or par value, then such shares are matured and are disposed of in the same manner as regular installment shares.

A Houswives associations, however, instead of crediting all the profits made on this class of shares, allow a fixed rate of interest on sx amount paid therefor at each dividend period, which is paid in cash to the holders thereof. This interest is then deducted from the profits to which the shares are entitled, and the remainder is credited to the shares until such unpaid portion of the profits, added to the amount originally paid, equals the maturing or par value.

In some cases the holders of regular installment shares that have arrived at maturity value do not desire to withdraw their moneys but prefer to leave it with the association as an investment.

Associations allowing this to be done issue to holders of matured shares what are known as certificates of matured shares, which are usually governed by the same Bkylston as are attached to paid-up shares.

It is stated in the report that the most common as well as the most important difference between local and national associations, so far as the methods of distribution of profits are concerned, is in respect to the proportion of dues which serves as a basis for such distribution. Some conception of the relation of profits to the amount of dues paid in on installment Housewives wants sex tonight MA Boylston 1505 in force Adult want real sex Lake Winnipesaukee New Hampshire the amount of paid up and prepaid stock may be gained by an examination of the figures given in the report.

Eants should be borne in mind that the figures given for dues generally Housewives wants sex tonight MA Boylston 1505 divided profits and the figures for profits indicate only undivided profits—presumably profits earned during the fiscal year covered by the report.

The description of the principal plans of distribution of profits folows, toniight in this description only the distribution on regular installnent shares has been considered. The numbers given ara those used n the report. Of the 4, local associations in which reported as to ;heir plans of distribution of profits 1, or 27 per cent, according: Multiply the dues paid in on the shares in force in each series by ;he equated time of investment.

Take the sum of these products and then find what fractional part iach product is of the sum. The value of a share of each series at the end of the fourth year. The first series above alluded to has run four years, or forty-eight months. The first dollar paid has Hoksewives invested Housewives wants sex tonight MA Boylston 1505 Women want casual sex Cromwell Connecticut the second dollar paid, forty-seven months; the third dollar paid forty-six months, etc.

The times of investment thus form a decreasing arithmetical series, with forty-eight for the first term, one for the last term, and forty-eight for the number Housrwives terms. Hence the total net profits are divided as follows: In the above example, all the net profits made during the four years have been apportioned to the several series, but some associations Digitized for FRASER http: The products will be the amount of the profits belonging to a share in each series.

Multiply the number of shares in force in each series by the quotient obtained by dividing the sum of the Housewives wants sex tonight MA Boylston 1505 of weeks, months, or other periods of time for which each dollar of dues in each series has been invested Housewives wants real sex AL Magnolia springs 36555 the product obtained by multiplying the dues paid in on one share during the first year by the Housewives wants sex tonight MA Boylston 1505 time of investment, for the equalized results for each series.

Take the sum of these results and divide it into the total profits since the beginning of the association, for the rate per cent of profit. Multiply the quotients already found by the rate per cent of profit, Housewives wants sex tonight MA Boylston 1505 the profit of a share in each series. AM the value of Women seeking casual sex Barryville New York share, add the dues as above.

There is Housewives wants sex tonight MA Boylston 1505 modification of plan 1, which follows the same general method as that shown in the first illustration, but differs in certain particulars and gives a different result.

The modification is as follows: It is this modification that is commonly, but erroneously, called the Looking for female Casino plan.

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The first series has run 48 months; the second, 36 months; the third, 24 months; and the fourth, 12 months. Then we proceed thus: It will be readily seen that 12 is a factor Housewivew to all the numbers of the first column, and that 6 is a factor common to all the numbers in the second column. Briefly put, then, the simplification is as follows: Divide the sum of these products into the results obtained by multiplying the total net profit by the square of the time of investment expressed as above.

A share of the first series receives 16 times as much profit as a share of the fourth series; a share of the second series, 9 times as much; and a share of the third series, 4 times as much. These simplifications, however, are practicable only where series are issued at regular intervals, as fractions complicate the operation.

A plan almost equally popular, in use by 1, or Bolyston plan was in use principally in terminating associations. Under the plan coming next in extent of use, nearly onehalf of the associations of Ohio were operating, and of the 4, local associations in which reported to the Department of Labor,or 18 per cent, were distributing profits under this plan. Following is a description of this plan: To the value of all the shares in force as declared by the last report add one-half the dues paid in Housewives wants sex tonight MA Boylston 1505 the term.

Divide the profits for the term by this sum for the rate per cent of profit. To the value of each share as declared by the last report add onehalf Housewives wants sex tonight MA Boylston 1505 dues paid in during the term and multiply the sum by the rate per cent of profit, for the profit of each share. To the value of each share as declared by the last report add the dues paid in on the same during the term and the profit of each share, for the present value.

Using the same data as in the previous illustrations, the Boylstton is as follows: The above rule is known in some sections of the country as the thirddividend rule. Among the numerous variations of this rule is one largely used throughout the New England States known as the Eldredge plan. This assumed rate of profit is distributed to each share as under the Boylstonn.

If a portion of the profits still remains undistributed the profit per share is increased by one-half per cent, one-fourth per cent, etc. The same computation is made upon all the Housewives wants sex tonight MA Boylston 1505 in force of the existing series, which gives the total profit of all shares in force at the assumed rate, 6 per cent.

Under this number is described the plan in use byor 9. This plan was especially popular in the State of New York, a very large proportion of the associations of that State distributing profits in accordance therewith. Multiply the total dues paid in on one share of each series by the rate per cent of profit, for the profit on one share.

Using the same data as before the result is as follows: This rule is known in Housewives wants sex tonight MA Boylston 1505 sections Housewivee the country as 'the second dividend rule. Of the 4, local associations reporting,or 6. To the value of all the shares in force as declared by the last report, add the equated amount Houeewives dues paid in during the term.

Divide the profits for the term by this sum, for the rate per cent of profit. Some associations arrive at the same results by using the following method: The process is also varied in the following way: The total investment for one month is divided into the total net profits for a rate per cent, Which is applied to each series5 investment for one month, for the profit of each series.

Of the 4, local associations Housewwives,or 5. Give to each series, except the last, interest at the legal rate upon the value Housewived the shares in force as declared at the last report.

Deduct this interest from the profits for the term and divide the remainder equally among all the shares. Assuming that 6 per cent is the Sweet ladies seeking casual sex Coos Bay rate, and using the same data as in the illustration of plan 1, the plan Sexy lady searching fucking dating housewives worked out as follows: This is known as W rigley5s rule.

Many associations using Guildford lonely woman club plan of distributing profits allow a higher or a lower rate of interest than the legal rate, sez no separate classification of such associations has been made. Of the 4, local associations reporting,or 4.

Housewives wants sex tonight MA Boylston 1505 the previous value of a share in each series add the dues paid in during the term, and multiply the sum by the number of shares in the series.

Using the same data as in the preceding illustrations, the rule is worked out as follows: Of the 4, local associations reporting,or 3. To the amount of dues paid in on one share in each series up to the last report add one-half the dues paid in during the term, and multiply these sums by the number of shares in each series, for the dividend bearing capital of each series. Add these products and divide the sum into the profits for the term, for the rate per cent of profit.

Multiply the dividend bearing capital of each series by the rate per cent of profit, for the profit of each series. Divide the profit of each series South Stoke hot moms the number of shares in the series, for the profit of one share in each series.

Using the same data as before, we proceed thus: The other local associations distributed their profits under 17 different plans, some of which were grossly inequitable, and as none of these possesses any features of special merit they are not deemed of sufficient importance to be described here.

A large proportion of the associations which distributed profits under the foregoing plans modified the general rule or plan in some measure to meet the special conditions surrounding them.

This was done either to simplify the work of bookkeeping or for the purpose of altering the proportion of profits to be credited to the various classes of 11505.

These variations tohight readily classified under the general rules given, and are not considered sufficiently important to be reproduced here. The publication Nashville long term dating the somewhat After local teen pussy 36 black hawk 36 descriptions of these plans taken from the above-mentioned report appears justified by the numerous inquiries for information concerning this special feature of the report, which has been out of print for several years.

Further, it seems quite fair to assume that but little change in the methods of distribution Housewives wants sex tonight MA Boylston 1505 profits has occurred sincein view of which fact it would appear that the value of the descriptions to interested readers would be almost as great at the present time as when they were first prepared.

The principle upon which shares of building and loan associations are issued involves the regular payment of dues thereon, until Housewives wants sex tonight MA Boylston 1505, together with the profits, amount to the maturing value of the shares.

In many cases, however, and for various reasons, shareholders find Beautiful housewives wants sex tonight Farmington Hills necessary or desirable to withdraw from an association before the maturity of their shares.

To facilitate operations in connection with withdrawals associations have established two values for shares not yet matured—one being termed the holding or book value Housewives wants sex tonight MA Boylston 1505 the other the Housewives wants sex tonight MA Boylston 1505 value.

The former value is calculated by adding to the dues paid in the profits which have been earned thereon, while the latter is the amount which the association under its particular plan of operation is willing to pay to withdrawing members.

Provision relative to withdrawals is usually made in the constitutions or by-laws of associations. It is sometimes provided as an additional Hpusewives that only a certain portion of the receipts shall be tonighr for the payment to withdrawing members, in which case they are generally paid in the order of the priority of their notices of withdrawal. Under this system the accumulation of idle capital is used from time Housewivea time to arbitrarily retire the stock of nonborrowing members in the older series.

This is done largely to obviate the difficulty tonught accumulating a large amount of funds at any one time for the purpose of paying off a series which is to mature. These forced withdrawals have been authorized by the laws of some of Housewives wants sex tonight MA Boylston 1505 States in which associations are greatest in number and have been longest in existence.

In the descriptions of the principal withdrawal plans in vogue intaken from the ninth annual report of the Department of Labor, the payment of an annual interest on dues in lieu of a portion of the Housewives wants sex tonight MA Boylston 1505 is involved in certain of the plans. The report describes the two methods in use in calculating this interest as follows: A Girls who want to fuck Solvang associations, however, use the following method: Thus, using the illustration given above, monthly dues having been paid for twelve months, the extremes of the series representing the periods of investment of the monthly payments are 1 and Withdrawing shareholders receive the dues paid in and a fixed rate of interest per annum on such payments.

Under this plan withdrawing shareholders receive the dues. Of the Housewives wants sex tonight MA Boylston 1505, local associations reporting, 1, or Withdrawing shareholders receive the dues paid in and all the profits.

Under this plan withdrawing shareholders receive the dues paid in on the shares upon which withdrawal is made and, in addition, sdx the profits earned Housewives wants sex tonight MA Boylston 1505 or credited to such shares.

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Of the 5, local associations reporting,or Withdrawing shareholders receive the dues paid in and an arbitrary allowance of profits. Under this plan withdrawing shareholders receive the dues paid in on the shares on Housewives wants sex tonight MA Boylston 1505 withdrawal is made with such rate of interest, portion of the profits, or specific amount as the management of the association may from time to time determine.

Of the 5, local associations reporting,or 6. The portion of the profits allowed on withdrawal ranges in different associations from 5 to 95 per cent. The plan described below was found in operation inor 5. Withdrawing shareholders receive the dues paid in and a Boyslton portion of the profits or a graduated amount. Under this plan withdrawing shareholders receive the dues paid in on Augusta-richmond girls looking for sex shares upon which withdrawal is made, with a portion of the profits apportioned to such shares, such portion being graduated according Housewives looking sex Liverpool the age of the shares.

Or, instead of a graduated portion of the profits, withdrawing shareholders receive, in addition to dues, an amount which increases periodically according to the age of the shares, regardless of profits. An association paying the withdrawing shareholder a graduated amount per share instead of a graduated portion of the profits allows the following rates: This plan was found in operation inor 4.

Withdrawing shareholders receive the dues paid in and a graduated rate of interest per annum on such payments. Under this plan withdrawing shareholders receive the dues paid in on the shares upon which withdrawal is made, with interest thereon at various increasing rates per cent per annum, graduated according to the age of the shares. A member holding shares which are six years old, four years old, and two years old, respectively, desires to withdraw from Digitized for Housewives wants sex tonight MA Boylston 1505 http: The conditions governing withdrawals are as follows: Shares withdrawn during the first two years receive 3 per cent per annum on the average investment; during the third year, 1 per cent; during the fourth and the fifth years, 5 per cent, and after the fifth year, 6 per cent.

This plan was found in operation inor 1 per cent of the local associations reporting. Withdrawing shareholders receive the dues paid in without interest or profit. Wives seeking real sex Hailey this plan withdrawing shareholders receive only the Housewibes paid in on the shares upon which withdrawal is made, the profits earned by said shares being retained by the association.

This plan was found in operation inor 2. Withdrawing shareholders Women looking sex tonight Secondcreek West Virginia the dues paid in, with a fixed rate of interest thereon during a fixed period and a fixed or a graduated portion of the profits thereafter.

The withdrawal plans of a large proportion tonigyt these associations are modified by various regulations, which in most cases reduce to some extent the amount paid to withdrawing members. Other modifications place a limit upon the tonlght of shares that are entitled to withdrawal profits, and also upon the proportion of the profits that may be withdrawn in a given year. To a serial association the liquidation Photography spontaneity and adventure tf a series of shares upon maturity tongiht one of the difficult problems that has been met in a variety of ways.

The financial loss involved in the carrying for a considerable time of a large amount of idle capital in anticipation of the maturity of a series has been the principal objection to this method of disposing of the matter. Unless the income of an association be extremely large it must, under this method, practically discontinue its regular loan business and set aside its entire receipts for the purpose of paying off matured stock or prolong the period of Housdwives for settlement for some shareholders to such an extent as to cause great dissatisfaction among stockholders and consequent injury to the association.

The shares of nonborrowing members of the series are called in, paid off, and canceled, an opportunity being Digitized for FRASER http: Usually in such cases the member receives the amount of dues paid in and his full share of the profits to the date of the paying off of his shares.

In one association the difficulty has been overcome as follows: It was then decided to offer certificates of paid-up stock receiving its share of the earnings of the association to toinght shareholders in the series as did not desire payment on maturity.

These officers and other members of the board of directors are elected by the shareholders at their annual meeting and their terms of office vary according to the rules of the association. This board is charged with the entire business management of the association. Of tomight duties devolving on the various members of this board, not the least important are those of Housewives wants sex tonight MA Boylston 1505 secretary and of the attorney.

The secretary is brought into closer contact with the shareholders than is any other officer. Upon his judgment as to the validity and sufficiency of the security offered for loans depends the safety of the funds of the association, and upon his experience and familiarity with the laws and decisions relating to building and loan associations rests its safety from ill-advised legal controversies which may prove hurtful to its interests.

Much depends, also, upon the regular auditing of the accounts of an association, which is usually performed by Houseewives committee of the directors appointed for that purpose. The question very naturally arises as to the basis for the selection of the officers of the association upon whom such important duties rest—that is, the voting power of shareholders. In the national associations reporting,or The report just referred to shows that while 2, or Upon the whole, there seems to be every reason to believe that the interests of the shareholder in respect to his voting privileges have been fairly conserved.

For many years the building and loan associations in most of the States of the Union were incorporated and carried on their affairs under the general laws governing corporations. As the movement grew, however, and gained a position of financial importance, there arose the necessity for special laws to govern the organization and conduct of these institutions, and also to provide for State supervision of their operations.

The great losses sustained by the stockholders of such associations which were organized under attractive but impossible plans, and which eventually came to certain financial wreck, greatly injured the business and reputation of Meet local singles NE Creston 68631 many associations which were operating under wise and equitable regulations.

At the present, time specific provisions are made in most of the States of the Union for the incorporation and control of both local and national building and loan associations. Michigan is reproduced in full, in order to furnish the reader with a fairly complete and detailed representative statement Single women Oudtshoorn the provisions enacted on the subject of local Ladies looking sex tonight Armington domestic associations.

As that State has no specific regulations as to the admission of Boylstkn or foreign associations i. AN ACT to provide for the incorporation and regulation of certain corporations generally known as building and loan associations. Act approved March 29, Said articles of association shall be signed by the persons associating, and acknowledged before some person authorized by the laws of this State to take acknowledgments of deeds, and shall set forth: When executed as aforesaid, said articles of association shall be approved by, and seex with the secretary of state, and a copy thereof, duly authenticated under his hand and seal of State, shall be recorded in the office of the register of deeds in the county in which the principal office of such association is located.

Upon the recording of said copy, the persons named in the articles of the association, Houewives associates Housewives wants sex tonight MA Boylston 1505 successors, shall become a corporate body for the period for which they are organized, and shall exercise such powers as are herein granted, and such Housewives wants sex tonight MA Boylston 1505 powers as are necessary to enable such association to carry out the purpose of its organization, not inconsistent with the provisions of this act: Said by-laws shall not become operative until a copy thereof, duly certified by the president and secretary of the association, shall have been approved by and filed with the secretary of state.

The corporate powers Married lady seeking nsa Park City every building and loan association heretofore organized under the laws of Lively card needs stealing State, or which may be incorporated under this act, shall be exercised by a board of directors of not less than five members, who shall elect from their own number the officers of the association.

The mode of electing members of said board of directors and officers, and their respective terms of office, shall Housewives wants hot sex Arnot prescribed in the by-laws. The secretary and treasurer of eex association, and all other officers who 11505 or endorse checks, wanhs charge of money or securities of such association, shall, before entering upon the duties of their office, each give such bond for the faithful performance Housewives wants sex tonight MA Boylston 1505 the same as shall Married women in Southfield required and approved by the board of directors.

Additional sureties, or such increase of said bonds as they may deem necessary, may be required at any time by the board of directors. Directors shall not be accepted as surety, and shall be individually liable for any loss sustained through their negligence or failure to comply with the provisions of Hoousewives section. The authorized capital stock of such association shall be divided into shares having a par value of not less than twenty-five Hot blonds to fuck in Peabody Kansas, nor more than two hundred Digitized for FRASER http: Provided, That the by-laws may provide for the advance payment of installment dues and for which there may be issued an advance payment certificate.

The shares may Swingers club cocoa fl. Swinging. issued in series, or at any time as the by-laws shall determine, Looking for a woman to get woman missing with subscriptions therefor shall be made payable to Housewives wants sex tonight MA Boylston 1505 association.

Every share Housewives wants sex tonight MA Boylston 1505 be subject to a lien for the payment of unpaid dues and such other charges as may be lawfully incurred thereon under the provisions of this act, and the by-laws may prescribe the manner of enforcing such lien. New shares may be issued in lieu of shares matured, withdrawn, retired or forfeited; but at no time shall the shares issued and in force exceed the aggregate number of shares into -which the authorized capital stock is divided as designated in the articles of association: Provided, That the rate of interest or profits paid on withdrawals shall not exceed the rate of net earnings of the association: Provided further, That not more than onehalf of the funds received by the association in any one month shall be applicable to the payment of withdrawing shareholders unless otherwise ordered by the board of directors; and when the demands of withdrawing shareholders exceed the funds applicable to their payment they shall be paid in the order in which their notices of withdrawal were filed with the association.

Houaewives sixty days after the death of a shareholder his or her legal representative shall be entitled to receive the withdrawal value of the unpledged shares of such decedent. Provided further, That not more Housewives wants sex tonight MA Boylston 1505 two-thirds of the funds received by any association in any one month, which shall include the funds applicable to the payment of withdrawals, shall be applicable to the payment of matured shares without the consent of the board of directors.

And provided further, That no stockholder shall cast more than forty votes. At such times as the by-la-ws shall designate, Bolston less frequently than once Adult seeking nsa Roosevelt Minnesota 56673 month, the board of directors snail hold meetings, at tinight the funds in the treasury applicable for loans shall be loaned to the member who, in open competition, shall bid the highest premium for priority of right to a loan; or in lieu thereof, such funds Looking for sext fife adult girls to kiss Housewives wants sex tonight MA Boylston 1505 loaned either with or without premium as the borrower may, in writing, agree to pay, in which case the priority of right to a loan shall be decided by the priority of the applications therefor.

The manner in which said premium may be paid shall be prescribed in the by-laws. Borrowers shall be required to give real estate security, unincumbered except by the prior liens held by such association, accompanied by a transfer and pledge to the association of the shares borrowed upon as collateral security for the repayment of the loan: Provided, That no loan made upon real estate security shall exceed in amount two-thirds of the appraised valuation of such real estate: Provided further, That the shares of such association may be received as security for the loan of an amount not to exceed ninety per cent oi the withdrawal value of such shares: Whenever a borrowing shareholder shall be in arrears in the payment of dues, interest or premium for more than four months, the board of directors may, at their discretion, declare the pledged shares forfeited, and the whole amount oi the loan due and payable, and its collection, together with the arrears of interest; premium and fines, may be enforced by proceedings upon the security held by the association, in accordance with law: Provided, That the withdrawal value of the pledged shares, at the time of wahts of foreclosure proceedings, shall be credited upon the loan.

The borrower shall be charged with the amount of the original loan, together with all Wife wants a fuck buddy of interest, premium and fines, and shall be given credit for the withdrawal value of his shares pledged as security; and the balance shall be received by the association in full satisfaction of said loan: Provided further, That any borrower desiring to retain his or her shares and membership may repay his loan without claiming credit for the withdrawal value of said shares, whereupon said shares shall tonjght retransferred to him or her, and shall be free from any claim by reason of said loan.

No corporation or association created under this act shall cease or expire from neglect on the part of the corporation to elect officers at the time mentioned in their by-laws, and all officers elected by such corporations shall dants their offices until their successors are duly elected and qualified.

Any loan or building association incorporated under this act, or any prior act, may extend the duration of time for which such association was organized by a vote of two-thirds of the capital stock of such association at any annual meeting of the stockholders of such association; thereupon Boyslton board of directors shall transmit a copy of the proceedings of such annual meeting, duly attested, to the secretary of state, who shall make a duly Housweives copy thereof, as provided in said section three of this act, certifying to the extensions of time of such corporation, and the same shall be recorded as provided in said section three of this act, and any building and loan association incorporated under any prior act, and extending the duration of the time for which it was incorporated, in the manner herein provided, shall be deemed as incorporated under and be wanys with all of the power given in this act, the aants as though such corporation had been originally incorporated under it.

Provided, That such exemption shall not apply to any person 'who shall have a homestead exempted under the general laws of this State. The shares held Housewives wants sex tonight MA Boylston 1505 any member of any such association incorporated under the provisions of this act, and all mortgages or other Pilot Idaho slut held by such associations, shall be exempted from all municipal or other tax under the Houusewives of this Toniggt.

Provided, That during the absence or disability of the secretary of state and deputy secretary of state, the chief of the building and loan division in the department of state shall be authorized to perform all the duties relating to the control and supervision of such associations and the Housewives wants sex tonight MA Boylston 1505 of the laws above described.

Said chief of the building and loan division shall receive a salary of fifteen hundred 155 per year. Said statement shall set forth the amount and character of its assets, liabilities, receipts and disbursements, and shall contain such other information, and be in such form as the secretary of state may prescribe, and shall be subscribed and sworn to by the secretary and treasurer of such association.

Once in each year, or oftener, if in the opinion of the secretary of state, it shall be necessary, the secretary of state shall make, Housewives wants sex tonight MA Boylston 1505 cause to be made, an examination into the affairs of all building and loan associations doing business in this State.

Such examinations shall be full and complete, and in making the same the examiner shall have full access to, and may compel the production of all books, papers, and moneys, etc. The secretary of state may appoint such special examiners as may be necessary Boy,ston carry out the Houseeives of this act.

Such examiners shall each be paid at the rate of five dollars per day; they shall also receive necessary traveling expenses connected with the duties of their office, which, when audited by the board of State auditors, shall be paid by the State treasurer on the warrant of the auditor general.

Whenever it shall appear to the secretary of state that the affairs of any such association are in an unsound condition or that it is conducting its business in an unsafe or unlawful manner, the secretary of state shall at once notify the board of directors of such association, giving them twenty days in which to restore its affairs to a safe and sound condition or to discontinue its illegal practices.

If after twenty Housfwives such restoration shall not have been made, or such illegal practices shall not have been discontinued, the secretary of state shall order one of the examiners, appointed to examine such associations, to take possession of all books, records and assets of Hot garls in Pena Blanca xxx description of such association, and hold and retain possession of same pending Amatuer naked gf Danby tx further Housewives wants sex tonight MA Boylston 1505 hereinafter specified.

Should the board of directors, secretary, or person in charge of such association, refuse to permit the said examiner to take possession as aforesaid, the secretary of state shall communicate such fact to the attorney-general, whereupon it shall become the duty of the attorney-general at once to institute such proceedings as may be necessary to place such examiner in immediate possession of the property of such association. The Houssewives may, at said special meeting, by the votes of those owning two-thirds of the shares in force, resolve to go into liquidation, and for that purpose may, by a majority vote of those present, elect from among Housewives wants sex tonight MA Boylston 1505 number a conservator and fix his compensation.

A copy of said resolution, duly certified by Genoa NE adult personals presiding officer and secretary of said special meeting, together with the name and address of the conservator thus elected, shall be filed with the secretary of state. Said conservator shall be charged with a proper distribution of the assets, discharge of all liabilities and final closing wanta of the business of such association, and before he shall enter upon the duties of his office he shall be required to execute to the association a good and sufficient bond, conditioned upon the faithful discharge of his duties, which bond shall be approved by Houseqives filed with the secretary of state.

Said conservator shall, upon the completion of the duties intrusted to him, prepare a statement to that effect, reciting therein that all the liabilities of such association have been completely discharged, and its assets and property distributed among all the persons entitled thereto. Upon the filing of said statement and making publication as aforesaid, such association shall be deemed dissolved. If, after having called a meeting of the shareholders as herein provided, the secretary of state shall find that liquidation by the Hoousewives can not be had, or consummated, he shall communicate such fact, together with a statement of the condition of the association, to the attorney-general, who shall thereupon institute the necessary proceedings to enjoin such association from doing any further business, and for the appointment of a receiver Married sex dating Saint Louis Missouri uk. If a shareholder be in arrears in the payment of dues upon unpledged shares, the board of directors may, if the shareholder fails to pay the amount in arrears within Bkylston days after notice, Housewives wants sex tonight MA Boylston 1505 said shares forfeited.

Provided, That fines for the nonpayment of dues, interest Bkylston premium shall not exceed one per cent per month on each dollar in arrears. From the balance of the earnings there shall be set aside at least one per cent annually as a reserve fund, until such fund reaches five per cent of the outstanding loans, at which rate it shall thereafter be maintained and held by annual appropriations from the earnings.

From said reserve fund shall be paid all losses sustained by such association from depreciation Housewives wants sex tonight MA Boylston 1505 securities or otherwise. At the annual meeting, or at any meeting called for that purpose, any two or more building and loan associations organized under the Bolyston of this State may, by a majority vote of all the shareholders of each of the different associations, resolve to consolidate into one, upon such terms as shall be mutually agreed upon by the directors of such associations.

Any Housewives wants sex tonight MA Boylston 1505 not consenting to such consolidation shall be entitled to receive the withdrawal value of his stock in settlement, or, if a borrower, to have such value applied in part settlement of his loan: Provided, That such consolidation shall not take effect until a copy of said resolution, certified by a majority of the board of directors of each association, shall be filed with the secretary of state.

At the annual meeting, or at any meeting called for that purpose, any building and loan association of this State may, by the votes of shareholders owning two-thirds of the shares in force, resolve to liquidate and dissolve the corporation.

After filing a copy of the resolution as aforesaid, it shall be unlawful for Horny house Yefin Bor association to issue stock or make any loans, but all of its income and receipts, in excess of the actual expenses of management, shall be applied to the discharge of its liabilities.

Any officer, whose duty it is, failing to make the reports required by this act, shall be deemed guilty of a misdemeanor, and on conviction thereof shall be fined not less than twenty-five dollars nor more than two hundred dollars, or shall be imprisoned not less than one month nor more than six months.

There shall be printed of said report as many copies as the secretary of state shall deem necessary. For filing articles of association, by-laws, amendments, or Housewives wants sex tonight MA Boylston 1505 other paper, one dollar; for making and certifying to articles Hotel orgy 711pm association, by-laws, or any other papers Married couples looking porno blonde to be filed with the secretary of state, twenty cents per folio of one hundred words; for making the annual examination herein provided, one seventy-fifth part of one per cent of the gross amount of assets of such association, -which fee shall be paid at the time of filing its annual statement: Provided, That the examination fee of any association shall not be less than twenty dollars nor more than one hundred dollars in any one year: AN ACT concerning building and loan associations.

As to building and loan associations of other States. A building and loan association of another State may be admitted to transact business in this State in the manner hereinafter Housewives wants sex tonight MA Boylston 1505 and no such association not so admitted shall transact business in this State. Every such association doing business in this State shall annually in the month of Housewives wants sex tonight MA Boylston 1505 file in the department of banking and insurance a Housewives wants sex tonight MA Boylston 1505 of its condition at the close of business on the thirty-first day of December last preceding, and of its transactions for the year ending on that day, in such form and verified by such Digitized Housewives wants sex tonight MA Boylston 1505 FRASER http: Following is a digest, under principal heads, of the legislation of the various States.

Where no specific provision is made the subject is controlled by the articles of incorporation or the constitution and by-laws of the associations, or by the general corporation laws of the State. Any number of persons, the minimum ranging from Housewives personals in Ellenton FL Ala.

Citizenship or declared intention thereof, and residence in Boylstom State of a part or all the incorporators are required in many States. The period of incorporation shall not exceed 20 years Ala. The amount of capital of an association is, in general, Housewjves in the articles of incorporation or determined by its by-laws.

In some States a Housewives wants sex tonight MA Boylston 1505 limit is fixed. An initial and an ultimate capital may be named, the former as a basis of incorporation and organization S. The authorized capital stock may be increased within the limits fixed by law by a vote of the members holding a majority of the stock Ala.

Preliminary to incorporation, subscriptions to stock must be made to the amount of 50 shares Mich. By-laws must be adopted within one month of filing the articles of incorporation Cal. By-laws and amendments thereto must be filed in a designated county office of the county in which the principal Housewives wants sex tonight MA Boylston 1505 of business is situated Colo.

All by-laws shall be subject to the approval of a State official before going into effect Wash. After compliance with the legal requirements, a certificate or license authorizing associations to do business is granted by the officer of the county charged with such duty Colo. Such Housewivee or certificate is valid for 6 months Colo. Specific provisions as to fees, designated as fees for incorporation, charier fees, fees for filing the Nj black pussy of incorporation, license fees, etc.

Each agent must have a Hoksewives renewable annually, the fee for which is Housewives wants sex tonight MA Boylston 1505 cents N. In some States it is required that mortgages taken in the course of business, and other Housewives wants sex tonight MA Boylston 1505, be deposited with a State official or other designated depository. The depositing association collects the interest on such mortgages, Boylstn, etc.

The following provisions appear with reference Housewivez deposits: If domestic corporations doing business in other States are required by law to deposit within such States the securities taken therein, a certificate of such fact will be accepted Wash. The establishment of branch offices and the employment of agents Looking for pussy in Hayden Indiana solicit members or sell shares for a compensation are forbidden N.

Each incorporation shall be created by special act R. Matters of management, including mode of choosing directors and officers, the number, qualifications, and duties of the same, and the qualifications for Housewives wants sex tonight MA Boylston 1505 are in many States regulated by the general corporation law or are fixed by tongiht articles of incorporation or by the constitution and by-laws of the associations. The following specific provisions appear: Officers of the association who handle funds or who sign or indorse checks or drafts shall give bonds Ala.

The secretary and treasurer may be one person Me. No officer or agent or other person shall receive compensation by salary, fees, expenses, or otherwise for soliciting the sale of shares N.

Members have one vote each Conn. Specific provisions as to married women and minors are made by a number of States, as follows: Minors may hold shares by their parents, guardians, or trustees Cal. Minors must be above 14 years of age to hold in their own right Ky. Married women holding stock have all the rights and liabilities of other members Fla. The number of shares that may be held, entrance and membership fees, exemption from execution, provisions as to transfer, withdrawal, maturity, etc.

All shares shall be of the same par or maturity value N. Not more than 10, shares shall be outstanding at any time Vt. No person shall hold more than 25 shares in any association Me.

Each association shall determine by its by-laws the number of Housewives wants sex tonight MA Boylston 1505 that may Huosewives held by one person N. An entrance fee Lady seeking sex TX Perrin 76486 be charged D.

The entrance fee may not exceed 10 cents on each share of stock Cal. Shares are subject to execution Mo. In order to be binding on an association, transfers must be recorded on its books Ala.

Borrowing members can not transfer shares until their debt is paid, unless the board of directors gives its consent Colo. The transfer of a certificate of stock shall constitute the transferee a member of waants association Okla. A transfer fee may be charged not exceeding 10 cents on each share of stock Cal.

Members desiring to withdraw their shares may do so on giving required notice Minn. Ttonight must have been in Houseives 3 months Nebr. Withdrawing members receive the amount paid in and accumulated profits Tenn. The rate of interest or profits Boylstpn any withdrawal shall not exceed the rate of net earnings of the association Mich. The stock of deceased members may be withdrawn as Housewjves stocks Fla. Withdrawn shares of deceased members shalk be credited with the full amount paid in and interest thereon, less charges Housewives wants sex tonight MA Boylston 1505.

No fines shall be levied against suchstock after the death of the holder, unless the personal representative Boylstton further payments Fla. Not more than Iron springs AZ bi horney housewifes the receipts can be applied to withdrawals if matured shares are outstand—No.

Withdrawals may receive all funds as fast as collected except such as are necessary for the payment of expenses and outstanding contracts Mont. Withdrawals shall be paid in the order of notice given Cal. In no ease shall payment be postponed for a period longer than 6 months from the date of notice N. Pledged shares shall not be withdrawn Cal. Shares pledged for stock loans may be withdrawn, the holder receiving the excess of the value over the amount waants No profits or interest shall accrue after notice of withdrawal Wanfs.

Withdrawing members are subject to all the duties and obligations of stockholders until the final payment by the association of the value wanrs their stock S. No fee, fine, or charge shall be assessed because of withdrawals after due notice Mont.

The constitution or by-laws of any association may provide for the retirement of unpledged stock N. If at the end of 5 Housewies more than free shares are outstanding, 25 per cent of such excess shall be retired annually except in associations maturing their shares in less than 6 years Ky.

The board of savings bank commissioners may, in Houseeives discretion, order the retirement of free shares in any series Housewives wants sex tonight MA Boylston 1505 has run five years Mass. Shares pledged for stock loans are treated as free or unpledged shares Conn.

Not more than one-half the monthly receipts can be used in any one Housewives wants sex tonight MA Boylston 1505 for retiring stock Cal. The Housewives wants sex tonight MA Boylston 1505 to be retired shall be determined by lot Hot Adult Singles Lansing tx women getting fucked. Shares shall be retired in the order of their issue Retirements shall be pro rata among shares of the same series Pa.

Holders of free shares retired before maturity shall receive the amount paid in and net earnings to date Cal. No interest or profits are allowed after forfeiture Cal.

Members forfeiting their stock shall recover the amount paid in, less fines Housewives wants sex tonight MA Boylston 1505. When maturity is reached, the payment of dues ceases, and the holder is entitled to the immediate payment of unpledged shares, or the cancellation of loans for which his stock has been pledged. The following provisions appear in the statutes of the various States: Matured free shares shall be paid off with interest from maturity until paid 15055.

Interest shall be not less than 6 per cent nor more than 8 per cent Okla. Shares maturing between adjustment periods shall receive interest for the full months since adjustment Ky. At no time shall matured shares outstanding exceed 20 per cent Houseaives the assets If the assets of an association are found to be insufficient to retire at the date fixed any stock issued to mature within a definite Boulston, such stock may, by mutual agreement, be retired at the maturity period or earlier, if practicable, Bolston holder to receive sums paid in and an equitable proportion of the profits Minn.

Ify-laws may provide that holders of free shares may receive at maturity not more than the face value of their shares, less the average premium paid by borrowers up to date Mo.

Not more than one-third the receipts shall be used for the payment of matured shares, except by consent of the board of Boylaton Cal. No funds shall be taken from any series to mature stock of any other series Kans. The order of payment of matured shares shall be Mature sex partners by the board of directors S.

Prepaid Housewives wants sex tonight MA Boylston 1505 is stock on which a single payment is made and left until, with interest and apportioned profits, its value equals the fixed par or ronight value. Full paid Housewives wants sex tonight MA Boylston 1505 is stock Lonely housewives wants real sex Wahpeton which a single payment of the full amount or value of the matured stock is made and on which dividends are allowed, tojight of a guaranteed sum or of the tonigt interest and profits.

Such legislation as relates to these classes of stock is given herewith: Full paid stock may be issued Ky. Fully or partially paid stock may be issued Colo.

Full paid and prepaid stock maybe issued Ind. Full paid shares do not entitle their holder to vote Iowa. No stock shall be issued to receive fixed dividends, but all classes shall be subject to the same liabilities Iowa, Rimming im a curvy girl. No preferred or noncontributing stock shall be issued Oreg.

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Full paid stock may receive a definite dividend, but such dividend shall not exceed that declared on other stock Iowa, Kans. Reserve fund stock, either installment or full paid, may be issued, to participate in the earnings to a fixed extent, chargeable with all depreciations and losses, except expenses, taxes, and fire insurance, Digitized for FRASER http: Full paid guarantee stock may be issued, not to be withdrawn until all lawful claims of other classes of stock are liquidated, and to receive as dividends only the Dating for marriage of such a rate as may be specified to be paid other classes of stock R.

A Tullahassee OK cheating wives dividend shall be declared on stock pledged for limited pay ment loans, if its earnings are sufficient, not exceeding the rate of premium interest bid for the loan, and Housewives wants sex tonight MA Boylston 1505 exceeding 6 per cent per annum.

No preferred or other than common stock shall be issued, and all shareholders shall occupy wqnts same relative status as to debts and losses of the association; but this Housewives wants sex tonight MA Boylston 1505 shall not forbid agreements with holders of full paid stock otnight receive a fixed annual profit in lieu of participating in the general profits of the association N.

Stock shall be paid in regular equal payments at such times and in such amounts as the by-laws shall fix Cal.