abbreviation for bachelor of arts I am still waiting to get my Baofeng UV-5R radio at this stage. I want to get my hands on one and discover how well they work, and I actually am in need of a VHF/UHF dual band radio right at this time, nonetheless it seems each time i recieve ready to acquire one a new model is released. The latest to be released could be the Baofeng UV-5RAX, a 144MHZ and 220MHZ model. These are a unique version designed for the US market. Th only other way to get about the 220 MHZ band is by getting a tri-band radio costing over 300 dollars. Why spend much when you can get one for just fifty dollars. If you are texting him in order to get answers or just to reach out and touch him, step from the phone. This does not get him back. This is you looking to feel great. You are hurting and your ego needs validation. The opposite is quite likely to occur in the event you text he or she. He may not answer. He may answer and be very brief. Chances are good in the event you text him too quickly and a lot of, you'll do more harm than good. ENDOWMENTS: Perhaps in addition to pensions essentially the most widely recognised of mis-selling issues. Once again Lloyds TSB was fined a record ?1million in December 2002 from the FSA with the bank setting aside ?165 million to pay between 42,000 and 46,000 policy owners (averaging ?4000 per policyholder). The mis-sold endowment mortgages occurred between 1995 and 1999. As well as the Abbey Life arm of Lloyds TSB also involved were other providers identified by the FSA including Royal London Group, Royal Scottish Assurance (portion of RBS), Scottish Amicable, Royal and Sun Alliance and Winterhur. An estimated 430,000 homebuyers were in receipt of the total of ?1bn in compensation. In June 2005, the Financial Ombudsman Service (FOS) revealed it turned out receiving 1,300 endowment mis-selling claims per week. Widespread unsuitable recommendations of mortgage endowments were made to unsuspecting consumers, again these hints being driven by large commissions. Let me explain why. I discovered an interesting idea that most of the shed (and any devices from my list above) which are sold in the mid-Atlantic region are designed in Pennsylvania. These Pennsylvanian manufacturers possess a definite season where they make their product, so when they offer their product. any veteran who has been creating a quality product for more than a several years will tell you that rrndividuals are in no mood to know about storage from December through February. Most of these companies begin marketing a few in the year -typically around April or May, then relax a bit during the summer time and after that absolutely panic come October and November. Since the function of this post is to coach and arm you consumers- I'll skip the long and boring calculations and get that you simply trust me when I say: it really is much more profitable for the shed company to sell their goods in October/November at the painfully big discount, than needing to carry this inventory within the winter. Costs like finance charges on inventory, transporting the units to some more secure facility, cash being tangled up in products which can be just a slave to?are gloomy prospects for that Pennsylvanians. In so instead, you'll get their very best offer sometime in the fall. The further north you might be, the quicker these "purge" prices appear. These shed manufacturers are -- to gain access to a phrase from your market -- "highly motivated" to dump their products for a lot of type of cash. One from the author Consumer Advocate authors said concerning this practice in car sales but Detroit won't have to address the winter months mindset of the consumers like shed makers do. The margins (or even the quantity of profit that they get off of each one unit) are pretty slim. So whenever they discount of 10. And if you might be sticking with me on this- imaginable such a truly huge problem it's for storage shed sellers to make available 15 and 20% discounts on models come fall. Remember, they simply want to get some dough before they hibernate for that winter months. Almost every single college in America features a marching band which performs during games and around campus. However, there are several which jump out as exceptional, even among colleges. This is a set of five of the most useful i think. Whether they were chosen because of their style, their a sense fun, or their prestige, any kind of these bands won't fail to amaze.