Our shared ground http://www.oursharedground.org I reckon being ill as one of the great pleasures of life, provided one is not too ill and is not obliged to work till one is better. Thu, 05 Apr 2018 18:39:30 +0000 en-US hourly 1 https://wordpress.org/?v=4.9.5 Livret A: all wrong barred http://www.oursharedground.org/livret-a-all-wrong-barred/ Sat, 31 Mar 2018 18:34:25 +0000 http://www.oursharedground.org/?p=39 Since January 1, all banks of France and Navarre can finally market the Livret A, previously the preserve of the Banque Postale and Caisse d’Epargne. This investment cash for the financing of social housing is paid to 2.5% in total tax-free and social contributions. Capped at 15,300 euros, it offers several advantages: it is safe, profitable and liquid.

Since the beginning of the year, the French rush not hundreds of thousands at banks to benefit from this offer, and there is a strong increase in a deposit on these savings: 19 billion for the month of January total ever achieved since 1995. to date, no fewer than 46 million holders with assets of 140 billion euros.

Given these numbers are staggering, one understands why the banks that are short of cash, have implemented aggressive sales initiatives and the limits of legality to attract investors. Some institutions offer a bonus interest rate on the money market and a matching contribution on the payment for customer loyalty, sales offer completely legal; others, for against, to face the fierce competition, abuse the innocence of customers and as usual it is the inhabitants of neighborhoods generally less informed, who are victims of these code violations banking: authoritarian way flow, the Livret A subscription without consent and without signing …

abused client testimonials are legion. We met Rene, a retired Saint-Denis, “In early October 2008, my banker contact me to book me a booklet A, I retorted that I already have a booklet at the Post Office and therefore I am not interested in supply. But in early January, I see still on my statement that collected the sum of $ 15 to feed a booklet A collection which I have never given my consent. ”

Other investors have seen associating with the booklet insurance they have not contracted. “In January of this year, says Ines student in a business school and resident in Garges-lès-Gonesse, I go to the bank to get a student loan. My advisor tells me it would be better than I open a Livret A, for its hierarchy agrees to the loan. I agree because I need this loan. But a few weeks later, I see that has taken 100 euros for the opening of the Livret A, but in addition, we punctured me 36 euros with wording like “insurance” insurance to which In ‘ I never gave my consent. ”

Newly arrived on the banks of the booklet A market, attracted by its smell, are not the only ones to do so. La Banque Postale and Caisse d’Epargne who market this investment for several decades are not far behind. Understandably, they fear that their customers transfer their passbook to other banks, and there, in some agencies, we do not hesitate to pressure.

“At the station, I only have a Livret A, says Suzanne, maintainer of Villiers-le-Bel. I wanted to transfer this book in my library for convenience reasons. I go to the desk to make arrangements, and there I was told that I have to make an appointment. I did so, but we can not offer me an appointment within 15 days. I agree on spite. When I met with my counselor, it will try to convince me for nearly an hour not to transfer my Livret A of the Post to my other bank, but I remain firm. For over a month I met this person, and my passbook is still not transferred. ”
Certainly, in these times of crisis, banks place a high value on money.

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Looking For Cheap Trading Sites? http://www.oursharedground.org/looking-for-cheap-trading-sites/ Fri, 12 Jan 2018 14:46:28 +0000 http://www.oursharedground.org/?p=30

There are several points that a person might give to commencing investment investors, but there are some which come to mind that is incredibly beneficial. I have traded in the wall street game for years and I continuously provide these tips, new speculators. My partner and I consistently inform them probably not to get reasonable size shares, regularly look at the trading times during the day. Finally, are sure that anyone releases an online stock trading accounts by having an online stock agent by having reasonable payment costs. I like to offer these tactics out to commencing stock sellers considering they have probably allowed me to over the years.

Financial control and wagering responsibly are similar and yet different. Financial control helps you in the overall top wealth management firms and lets you know how much you can bet and you should do with the earnings gained. On the other hand, gambling sensibly tells you the amount of each bet and when do you stop bets, be it when you are winning or even losing.

In case you have an existing policy, find out your own renewal quote. This will provide you with an opening price that to base any brand new quotes against. Sounds apparent but it is a useful kick off point.

Credit cards are some sort of open-ended financial loan. The borrower is given a set available limit to spend and may also use it whenever and wherever a credit payment is accepted. Installment loans https://www.paydaynow.net/installment-loans/ should you keep paying a monthly minimum payment, this line of credit stays as well as available.

Another common misconception will be the fact financial advisor bank of America services price much more than the bucks you happen to be attempting to organize. Many financing experts mainly work on a good decided income or rely on commission. Every little thing might be solved upfront so nothing is to consider in this section. Unless you such as the settlement, then look for a different one but don’t leave out the particular credentials, amount of experience, plus the quality of the person’s function.

Maintaining knowledge of yourself is not going to make you a better person. If you believe the best strategy is to turn out to be indispensable when you are in for the big surprise. Nobody is usually indispensable. Period. If you are the division or a project mind ask yourself – if I depart tomorrow, will things operate smoothly? If the answer is usually yes, then you are really useful. It shows you have place systems in place and you operate your division/project well. In the event that on the other hand you think there will be damage then you are holding issues too close to your upper body. The best way to learn is to educate others what you know.

The goal of the Trader should be to give proper effect to their client’s forex trading. Along with today’s secure connections on the internet, many forex traders work from home. This enables them to have up to the day information and news on which positions to take.

References:

1. https://www.fhfa.gov/PolicyProgramsResearch/Programs/Pages/Home-Affordable-Refinance-Program.aspx
2. https://www.paydaynow.net/
3. https://www.insidehighered.com/quicktakes/2018/01/12/new-analysis-student-loan-default-data

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Raising Your Credit Score Is As Simple As 1, 2, Several http://www.oursharedground.org/raising-your-credit-score-is-as-simple-as-1-2-several/ Thu, 03 Aug 2017 14:13:02 +0000 http://www.oursharedground.org/?p=9

With the state of the economy, many people result in believing that there is no way they could get cheap loans, particularly if they have a bad credit score. If you have a dreadful FICO score then you commonly are not going to be able to find a financial institution or lender that is going to reduce you a break on the rate of interest. This means the more your monthly obligations are going to be and the higher the total amount you are ultimately paying for something.

As soon as your past due is more compared to 30 days, your lender has got the right to report your past due to payment to all the major consumer credit reporting agencies. In other words, whenever you miss your own payment, your credit rating is impacted. This damaging entry stays put your credit file for seven years.

How do I increase my credit score? Are these claims the question that is running although your mind on a daily basis? Well, at this time it probably feels as though your back is against the wall. But, there is a treatment for your problem. However, it will take the amount of time in order to level the particular playing field. Consider this. your credit history did not sink to the point associated with no return overnight, and you may not be able to raise this overnight. However, as you consider, “how can I increase the score” you can rest assured there is a light at the end of the canal. All that is required is a lot associated with due diligence on your part.

The simplest way to get the lowest interest rate on the mortgage is to take your time plus make sure you have your finances to be able before you apply. Do your research plus shop around. Take your time. Make sure that you have got looked over your credit report plus know where you stand. If you use not knowing what type of credit you might have, how do you know what type of price you deserve?

850 is perfect credit and the best credit score to have rating possible, though We’ve never personally seen a person with an 850. A good credit rating number and one you should aim for a start in the 670 variety. Though the numbers may vary somewhat from source to supply but a general breakdown will go something like this.

When you are becoming confronted by a collection agency, it really is imperative that you know the legal rights you have. You are not obligated in order to speak with them over the cell phone and they cannot legally harass you. You do not have to worry about becoming sent to prison for not having to pay a particular bill. Laws differ by state, so be sure to research what actions are usually illegal for collection agencies in your town. Let the collection agencies know that you wish to communicate with them only via writing.

Ensure that your budget is correctly calculated so you can afford your own monthly property expenses. In late, each month, review your expenditures as well as your income to see how properly your property is doing. Always have price range available for your property.

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What’s baking? http://www.oursharedground.org/whats-baking/ Wed, 10 Dec 2014 14:02:05 +0000 http://www.oursharedground.org/?p=7 Holiday Farmers Markets this Saturday
December 13, 10 AM – 2 PM
Come out to the farm for a Special Seasonal Market — I’ll be joined by many of your favorite markets vendors

Cooking Classes at the Farmhouse Kitchen
Monday, December 15th – 6pm, $20
Holiday Sides with Chef Phillip Jason from Catering by Phillip

Saturday, December 20th – 10am, $20 per parent/child
Cooking with Kids—Crepe Making with Chef Allie O’Brien of
The Garden State Community Kitchen

Call the Dept of Resource Conservation at 856-642-3850 to register

What’s Baking?
Offerings for Saturday, December 13th — Pick up at 10 am

Bread: $8
(All loaves are made from locally grown and milled grains with a natural leavening method called “levain”)
Multi Whole Grain Sourdough
Light Rye Sourdough
Sesame Semolina

Scones: $3
Oatmeal Raisin Scone
Lemon Ginger
through the holidays, PIE DOUGH — flawless and fool-proof — enough for two 10″ crusts — $12

and Featuring Fresh Farm Eggs
Kenny and Charlene’s Farm Fresh Eggs are still available —
The hens are cage-free, not free-range (or we’d soon be out of the egg business).

Extra Large Brown Eggs: $4.50/dozen
Add eggs to your bread order by clicking the “Pre-Order” button below.

To reserve bread, scones, pie dough, and eggs please pre-order by — Thursday December 11th at 9PM
The Market opens Saturday at 10:00 AM!

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WOOD-FIRED BREAD http://www.oursharedground.org/wood-fired-bread/ Sun, 03 Aug 2014 14:13:10 +0000 http://www.oursharedground.org/?p=11 The Our Shared Ground Bread Project is a revenue producing social enterprise baking handcrafted, naturally leavened hearth breads in a mobile wood-fired oven. Consistent with OSG’s mission and goals, the bread program supplements the culinary training and work skills programs teaching students and interns the requisite skills and techniques of artisan baking.

The Bread
The character of real bread – the texture of the crust and crumb, the aroma, the flavor of the grain, the nutritional value, and keeping quality are all optimized because:

it is made from less-refined, nutritionally superior flour,
with the ancient natural leavening method called “levain”
mixed and shaped by a skilled baker,
and baked in a wood- fired masonry oven.
The Flour
Bread made with this kind of time and attention calls for stellar ingredients. We start with fresh flour, milled to order from organic, non-GMO grains grown in Pennsylvania and New York. Our miller, Mark Fischer, owner/operator of Castle Valley Mill of Doylestown, PA, is committed to milling whole grains — slowly, at cool temperatures on antique buhr mills, which retains all the elements of the grain – bran, endosperm and germ – and preserves the full nutritional value in the flour.

The Technique
Slow, cool, natural fermentation – the levain (or sourdough) method is a leavening process that enhances the inherent flavor and nutritional properties of the flour, and builds in excellent keeping qualities in the bread. Baking this way requires skill and experience to balance the many variables in the process including dough hydration and temperature, fermentation time, and the flow of heat in the wood-fired oven.

The Baker
The Bread Project is led by Our Shared Ground’s Donna Wallstin. A professional baker, and self-proclaimed “bread-geek,” Donna is a trained and educated 20-year veteran of the culinary industry with a diverse range of experience and skill. She began her culinary adventures at New England Culinary Institute, then spent 10 years cooking on the West Coast. More recently, her energies and passions have been focused on the intuitive, hands-on, and dynamic nature of wood-fired bread baking.

The Oven
Our wood-fired masonry oven was built by William Davenport of Turtlerock Masonry Heat in Vermont. It’s an internal combustion, retained heat oven made of firebrick and refractory mortar. Over several hours, a wood fire burns inside the vaulted chamber – the masonry mass is heavily insulated, and efficiently retains the energy from the fire – later the ashes are removed, and the bread is put inside the chamber to bake. Masonry ovens have a great historic appeal because they are the way bread was baked for millennia. History and traditional methods are part of the definition of the true artisan style breads we bake at Our Shared Ground.

The Reactions

“I’ve certainly eaten my share of bread but have never enjoyed or appreciated any like I do yours. It’s really wonderful. And it’s made all the better by its worthwhile cause!” – Mindy
“The scones were delicious and moist. We loved the lemon poppyseed the most! The galette was yummy. The bread… wish I had bought two loaves, as the first went very quickly!” – Audrey
“I purchased a loaf of the Sourdough Rye with Flaxseed and I am already addicted. The incredible crunchy crust and the soft chewy inside was perhaps the best bread that I have ever had the pleasure to taste. I am already looking for a 12 step program! Thank you for the opportunity to share such an incredible food. You can consider me a groupie!” – Pamela

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