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Image from web page 350 of “Journal of electrical energy” (1917)
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Identifier: journalofele451151920sanf
Title: Journal of electrical energy
Year: 1917 (1910s)
Subjects: Electrical manufacturing Electricity Gas make and works
Publisher: San Francisco : Specialized Pub. Co.
Contributing Library: San Francisco Public Library
Digitizing Sponsor: California State Library Califa/LSTA Give

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Their particular customers have cultivated from]800 in 1903 to 46,000 in 1919; from two cities in1903 to about one hundred and twenty-five towns in1919; through the two counties to ten counties, cover-ing a territory foui-fifths as big since the state ofNew York; and a fanning community comprising anirrigable location which will require irrigation by pumpsfor a lot more than two million acres and including morethan three-quarters of all oil areas in Ca. The handling of the San Joaquin has oftenbeen charged by conservatives as visionary—but inlooking back our company is forced to in conclusion that wewere dull to not have better recognized the possi-bilities of development which have been unreeling dur-ing the last twenty odd years. We believed we hadthe eyesight, the good news is we come across your results are fourto ten times above our fondest dream, and now we believenow so it will be a daring dreamer whom wouldpredict in wiiting the specific situation because it will occur tenyears thus. I October 1, 1920] JOURNAL OF ELECTRICITY 325

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Arch dam on Santa Inez River recently completed to give you additional water storage space for Santa Barbara The building regarding the Gibraltar Dam BY N. A. BOWERS (Every building task requires enough grief eg delay in distribution of product, breakdownof equipment, inclement weather, etc., without contributing to these the necessity for taking everythingneeded through a 4-mile gap not sufficient to stand in and operating knee-deep in water.However, specialist Kraner overcame the numerous difficulties of such problematic and completed theGibraltar dam on schedule. He is to be complimented in addition to city of Santa Barbara congratu-lated on the completion of a bit of work which can be a credit to any or all worried.—The Publisher.) In the Santa Ynez lake about six miles eastern ofthe city of Santa Barbara that town has recentlycompleted the construction of an arched masonrydam to give you extra storage for the liquid sys-tem. Your website is in the far part of a higher mountainrange over which no roads are built but

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Image from web page 1087 of “Hardware merchandising March-June 1921” (1921)
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Identifier: hardmerchmarjun1921toro
Title: Hardware merchandising March-June 1921
Year: 1921 (1920s)
Subjects: Hardware business Hardware Implements, utensils, etc Building
Publisher: Toronto :
Contributing Library: Fisher – University of Toronto
Digitizing Sponsor: Algoma University, Trent University, Lakehead University, Laurentian University, Nipissing University, Ryerson University and University of Toronto Libraries

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Matters! Eavetrough, ConductorPipe and Elbows,Ridge Roll Valleys,Corrugated Iron, anda huge stock of Gal-vanized and BlackSheets, we-ship While OthersAre Thinking About It. Wheeler & Bain Toronto, Canada PINKS LUMBERING TOOLS The Standard Took m every province of this Dominion, NewZealand, Australia, etc. We produce ah kinds of lumber resources. Light and Durable. LONG DISTANCE MOBILE No. 87. Forward for Catalogue and Cost Checklist. Sold through the Dominion by all Wholesale and RetailHardware Merchants. THOS. PINK BUSINESS, RESTRICTED Providers of Lumber Tools pembreb Ontario

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May 28. 1921 HARDWARE AND METAL—Advertising Section 27 TRADE MARK Roofing and Building PapersThat Continually raise your Store Building Papers, Tarred Felt, Shead-ings and Tar Products, and WrappingPaper of all types giving solution inuse, reflecting credit on the supplier andinspiring confidence in all the outlines hesells—thats the McArthur range. Drop united states a line for a fascinating small bookleton Roofing products. It’s going to inform you of eachone of your lines—reasons why they sell, andserve the buyer to make sure you hold their futuretrade. We can not talk about all of the outlines right here, but, forinstance, Black Diamond Tarred Felt is purewool tarred roofing believed, from selected woollenrags saturated with pure coal tar, producingthe many durable roofing believed possible to help make. Require Literature Alex. McArthur & Co., Ltd. Founded 187982 McGill Street Montreal, Canada KraftHardware Sacks

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Is Consumer Credit Counseling For You?

Is Consumer Credit Counseling For You?

You’ve maxed out your credit cards. You’re paying your minimums, but your debt just seems to keep growing. No matter how many ways you try to manage your money, nothing seems to be working. If you find yourself in this financial dilemma, consumer credit counseling may be your ticket to financial freedom.

Unsecured Debts

Unsecured debts are like two edges of the financial sword. On one hand, the creditors cannot seize your property to balance your debt because the debt isn’t based on tangible assets. On the other hand, these debts can wreak havoc on your credit. Unsecured debts include debts like credit cards, student loans, medical bills, utility bills, and consolidation loans that are paid according to creditor’s terms.

If you are unable to make your payments according to the terms, these creditors will report your delinquencies to the credit bureaus. Each bad report will lower your credit score. As more and more companies base their decisions on these reports, your chances of securing anything from a new car, a house, renting an apartment, and even getting satellite television can be impaired, require large deposits, or be just plain impossible to get.

If you make your payments sporadically to your creditors or cannot meet the payments at all, the creditors may even seek a judgment to obtain payment. Judgments are court orders that allow creditors to garnish your wages, usually 25 percent from each check you receive. When you are already pinching pennies, this additional loss of income can be devastating to not only your budget, but also your life.

Managing Your Debt

Most people have minimal education about managing their money and their debts. There are plenty of resources to help you learn, but unless you have the time to sift through all the different methods and scout out the method that will work best for you, education yourself may seem like an insurmountable task.

You may even have that education and feel well equipped to handle your budgeting, but if you don’t have an income to match your debts, all the budgeting knowledge in the world may not be enough. And your debts are still there regardless of your education or your income.

How Consumer Credit Counseling Can Help

Consumer credit counseling can give you the backup you need. Usually, these credit counselors have the expertise that the average citizen doesn’t. They’ve studied the financial world and know how it ticks.

Using their services mean you don’t have to tackle your debt dilemmas alone. They have established relationships with major creditors and have studied financial law. Their services assist you in reducing your monthly payments by making new contracts with your creditors. Most will combine all your debts into one monthly payment and then divide that payment among your creditors according to these new agreements.

Many credit-counseling services also include educational articles or classes to help you gain some footing on managing your own debts in the future. Rather than finding yourself in an impossible situation, facing bad marks on your credit reports or possible court judgments, consumer credit counseling can help you regain control of your finances.

They are what they say they are — Consumer Credit Counseling — meaning they counsel consumers about their crediting and money management. And they are more than that — they give you the ability to learn how to manage your debts yourself and handle your current debt situation for you enabling you to start seeing black instead of red in your financial life.

More Consumer Credit Articles

U.S. ECONOMICS: Consumer Credit Rises, but Below Consensus (INDEXDJX:.DJI)

U.S. ECONOMICS: Consumer Credit Rises, but Below Consensus (INDEXDJX:.DJI)
Consumer credit rose $ 10.5 billion in January, versus an expected $ 16.5 billion, after a revised $ 21.4 billion surge in December (was $ 21.3 billion). November's $ 14.0 billion increase was nudged up to $ 14.1 billion. Non-revolving credit remained the …
Read more on Sonoran Weekly Review

Over 9700 consumer credit firms leave the sector
9,740 firms left the consumer credit sector after their interim permissions lapsed or were cancelled, according to data from the Financial Conduct Authority (FCA). Of the 33,699 firms that were eligible for interim permissions, 15,372 saw their interim …
Read more on Loan Talk

CORRECTION to Story on Consumer Credit
CORRECTION to Story on Consumer Credit. March 07, 2016, 04:26:00 PM EDT By Dow Jones Business News. Comment. loading. Shutterstock photo. (END) Dow Jones Newswires 03-07-161626ET Copyright (c) 2016 Dow Jones & Company, Inc.
Read more on Nasdaq

Latest Consumer Credit News

Changes in consumer lending
On 19 November 2015 the Lithuanian President signed the amended and supplemented Law on Consumer Credit (“the amended Law”), which was adopted by the Lithuanian Parliament earlier in the month. Regulation on consumer credit activities will be …
Read more on Lexology (registration)

Consumercredit default rates rise in October
The rate at which U.S. consumers defaulted on their auto loans, mortgages and other credit rose in October, according to a report by S&P Dow Jones Indices and Experian released Tuesday. The composite consumer credit default rate rose five basis points …
Read more on MarketWatch

Changes approved to consumer credit regulation
Changes approved to consumer credit regulation The Solicitors Regulation Authority's (SRA) proposed regime for consumer credit regulation has passed its latest hurdle. The Financial Conduct Authority (FCA) has agreed proposals to allow law firms to …
Read more on Compliancy Services

The best consumer

the best consumer

Consumerism is going on all-around and attaining sufficient recognition amongst masses. Customer training is obviously making its effect noticeable. Developing styles of implementing customer rights by a big portion of general public is self evident. However, popular conception of customer legal rights is now synonym with administration of rights through consumer forums just. Whereas consumerism by itself is a broad concept maybe not confined to enforcement just but about prevention, customer information, security, customer knowledge, redressal liberties and related consumer aspects. The administration through customer discussion boards possesses its own distinct part. Beyond that when we mention the customer liberties “information” on related facets of  customer rights plays a vital role for a consumer. Information from a consumer potential means to have information appropriate for pre purchase till post purchase.

A smart acquisition needs little bit of pre acquisition item analysis. As soon as we state study it means you could proceed through an over-all assessment and only a little inquiry concerning the product. Additionally includes someone you-know-who has actually purchased the item recently. This off hand information can be extremely useful.  At pre acquisition phase customer must get adequate information according of the marketplace which is best for a specific range of services and products. There was selection of committed websites supplying well-informed reviews associated with the product and specialists comments. Even on television networks you will find committed customer programs which give enormous of use information and guidance.At the same time frame you really need to by the decision keeping because your needs and spending plan.

You can have item information through the regulating authorities under the straight to Information Act. By simply making a simple application with requisite cost you can get all information in connection of the product if it’s supported. The endorsement generally given by the Govt by granting ISI mark, Star Rating, AGMARK etc. If in a electric product, begin score has-been offered along with doubts in regards to the energy savings you will get relevant information from Govt. Department. In case of food item AGMARK is awarded you ask for foundation which it had been issued. You could matter and ask for the knowledge the test conducted because of the officials before such grant.

Online is a good resource to have appropriate information about the product. In current marketplace scenario no enterprise may survive with out a user friendly web site. Website includes countless information which provides such information that is generally speaking unavailable using shopkeeper or showroom. The interest paid toward item can be more to comprehend the requirements compared to having it bought at shop. You can easily understand the different essential popular terminologies which are of good help to make the best choice. Although after all these types of information gathering, you feel cheated about any thing, then you can certainly publish internet based customer complaint as well to safegaurd your customer legal rights

Next comes being informed about the superiority, amount, effectiveness, wholesomeness, standard and cost of products or solutions in order to protect the consumers against unjust trade practices. No-one can ask you for more than the MRP written regarding the product and also at the same time it’s mandatory when it comes to company to print MRP on any digital gadget and is additionally good for solutions too. If some body charges you over the MRP printed in the item, it is possible to publish customer grievances with the body weight and measurement department and to the buyer courtroom besides.

Consumer liberties on our side to guard our valuable rights. However it is stated that “prevention is preferable to cure”. Therefore, we can equip ourselves with little understanding and knowledge which could get good way to truly save our valued time, money and harassment within hand of seller and company.

FCA: credit understanding 'not rather there'

FCA: credit comprehension 'not rather there'
She stated: "The key thing in both the mortgage and consumer credit areas is an awareness of affordability. "Although we are certain that comprehension is there within the home loan market the level of understanding within the consumer credit areas just isn’t …
Read more on Home Loan Introducer

Credit rating in U.S. Increased More Than Forecast in July
Credit in the U.S. rose more than projected in July, boosted by bigger credit-card balances and loans for vehicles. The $ 19.1 billion enhance used a $ 27 billion gain in previous thirty days which was bigger than previously calculated, Federal …
Read more on Bloomberg

Latest Consumer Credit Information

About 2500 consumer credit cards impacted in Mohu internet site breach
North Carolina-based consumer electronics organization Mohu – an unincorporated unit of GreenWave Scientific, Inc. – is notifying approximately 2,500 consumers that bank card information along with other information had been compromised during an attack on the …
Find out more on SC Magazine

FCA to probe credit pay schemes
The Financial Conduct Authority features launched a thematic analysis into exactly how credit rating corporations pay and incentivise their staff and handle the potential risks arising from these reward arrangements, as they can often lead to bad consumer outcomes. This thematic …
Find out more on FT Adviser

U.S. Customer Credit-Historical
U.S. Customer Credit-Historical. By Dow Jones Business News, September 08, 2015, 04:02:00 PM EDT. A A A. Vote up. running. Comment. Share | Subscribe. Seasonally modified month-to-month data and alter in huge amounts of dollars. R denotes modified. Origin: …
Read more on Nasdaq

Sytropin Customer Reviews

Sytropin Customer Reviews

You can find consumer reviews and you will find consumer reviews. If you study between the outlines, you know what I am talking about. There are lots of customer reviews which may be genuine while some might a marketing ploy when it comes to business for its very own benefit. Some genuine consumer reviews will have its reasonable of both and great responses concerning the item. Sytropin customer reviews may end up in this category. There are certainly others which can be misleading. One consumer review may lambast one company but have an internal link to that organization’s competition. Those tend to be red flag indicators that indicate the partiality regarding the analysis as well as for we, are often dismissed as a beneficial analysis.

The arrival of this net features magnified the expansion of consumer reviews. This isn’t always bad. In this information age, the necessity to dig through plenty data is essential and an art requirement that most people are discovering quickly. This may be problematic for new people of this internet and herein lies the caveat which they are victims to cons and frauds. You can find just who utilize mail cons by emailing people and telling them they own claimed that much quantity an such like and all sorts of they require is for anyone to deposit a small amount to get the entire amount. This mail scam is usually delivered to the garbage bin of your e-mail computer software but you can find cases when people do reply as well as get taken for many cash. Such a terrible thing to deceive someone but that’s the reality of the age of information. Information can be good or bad however it is information.

For most people internet surfers, this technology has changed our resides. Just how we communicate changed. We started out sending regular mail, now known as snail mail. Wireless dispatches throughout the telegraph made messaging nearly instantaneous with specific restrictions and pricey should you choose the word count. The message could be similar to this for anybody that do perhaps not know what it absolutely was like giving telegrams: showing up on Thursday june 23 stop. Kindly bring car stop. Many things stop. Sounds unusual, nevertheless truth of matter was making use of morse codes, the dotting sound did not mean the end of the sentence but taps to letters that made the phrase. Another thing is the fact that stop has actually less letters than duration. After that arrived the phone and cross country telephone fees were therefore pricey. Today over the internet and telephony, you’ll have video chats 100% free and speak to anyone who is for a passing fancy video clip talk pc software around the globe. E-mail could be delivered to people that have e-mail records that you know and you can attach images, music, data, etc. Essentially, the activity of performing a Sytropin customer Reviews can be carried out in mins by anyone on earth. Communication happens to be practically effortless and undoubtedly affordable.


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Latest Consumer Credit News

Enova Supports Providing Rules that Always Make Sure Customer Protection While
"Enova has long supported regulation that ensures providers of credit for middle and working course customers, whether or not they tend to be banking institutions or any other lenders, follow a standard pair of rules that provide protection for customers whilst ensuring credit is …
Read more on Virtual Press workplace (press release)

Credit agency price buys time on medical conflicts
Within the settlement is a 180-day waiting period to produce extra time for insurers, customers and health-care providers to eliminate health payment conditions that can tarnish a consumer's credit score. “It's a fairly considerable expansion,” stated …
Read more on MarketWatch

Consumer credit climbs at 5.2percent rate in November, slowest pace in 12 months

Consumer credit climbs at 5.2percent rate in November, slowest rate in 12 months
WASHINGTON (MarketWatch) — customers enhanced their using credit in November because of the slowest speed in a-year, Federal Reserve data circulated Thursday tv show. Consumer credit expanded at a seasonally adjusted annual rate of 5.2percent in November, for a gain …
Read more on MarketWatch

Revolving Credit Rating Dipped in November, Fed Says
Revolving Consumer Credit Dipped in November, Fed States. by Kevin Wack. JAN 8, 2015 4:37pm ET. Revolving credit within the U.S. fell in November because of the largest quantity in per year, in accordance with a written report Thursday from Federal Reserve Board.
Find out more on United States Banker


In economics and marketing

Typically when business people and economists talk of consumers they are talking about person as consumer, an aggregated commodity item with little individuality other than that expressed in the buy/not-buy decision. However there is a trend in marketing to individualize the concept. Instead of generating broad demographic profile and psycho graphic profiles of market segments, marketers are engaging in personalized marketing, permission marketing, and mass customization.

There is increasing backlash from the public over use of the label “consumer” rather than “customer”, with many finding it offensive and derogatory.

In law and politics

Within law, the notion of consumer is primarily used in relation to consumer protection laws, and the definition of consumer is often restricted to living persons (i.e. not corporations or businesses) and excludes commercial users. A typical legal rationale for protecting the consumer is based on the notion of policing market failures and inefficiencies, such as inequalities of bargaining power between a consumer and a business. As of all potential voters are also consumers, consumer protection takes on a clear political significance.

Concern over the interests of consumers has also spawned much activism, as well as incorporation of consumer education into school curricula. There are also various non-profit publications, such as Consumer Reports and Choice Magazine, dedicated to assist in consumer education and decision making, and Consumer Direct in the UK.

In the context of the Indian Consumer Protection Act 1986, a consumer is clearly differentiated in that a consumer consumers a commodity or service either for his personal domestic use or to earn his livelihood. Only consumers are protected as per this act and any person, entity or organization purchasing a commodity for commercial reasons are exempted from any benefits of this act. Furthermore, Indian case law has quite a few references on how to distingush a consumer from a customer.

In intelligence studies

Within intelligence studies, it refers to the political staff consuming and requesting intelligence.


^ Cross, Robert G. (1997). Revenue management: hard-core tactics for market domination. Broadway Books. pp. 6671. ISBN 0-553-06734-6. 


^ Krohn, Lauren (1995). Consumer protection and the law: a dictionary. ABC-CLIO. ISBN 0-87436-749-2. 

^ “An Institutional Analysis of Consumer Law”. Vanderbilt Journal of Transnational Law. Retrieved 2007-01-29. 

^ “Consumer vs Customer”. 

See also

Wikibooks has a book on the topic of


Alpha consumer

Consumer debt

Consumer leverage ratio

Consumer theory


Consumers’ cooperative




Mass customization

Mental health consumer

Consumer reporting agency

Consumer protection

Consumer organization

Consumer Direct

National Consumer Agency (NCA)

Informed consumer

Consumer forum

Categories: Economics terminology | Consumer theory | Marketing

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Rental Homes in Jacksonville, FL Now Helping Investment Company Build Capital for Investors

New York, NY (PRWEB) June 02, 2014

New construction projects are happening in the state of Florida that have little to do with the expansion of the Panama Canal. The JWB Real Estate Capital company is now helping investors throughout the country to build more income through its rental homes in Jacksonville, FL at

The struggles felt by stock market investors who diversify investment dollars into technology or alternative energy stocks are not currently felt by men and women entering the housing market, according to recent industry news.

Investment growth is now stronger in the rental industry and the JWB company has altered its financial path to capitalize on new income streams.

“A person who is not familiar with investment property as an immediate source of cash flow is the perfect candidate for our turnkey property investing packages,” said one housing support specialist from the JWB Real Estate Capital company.

While the current market for home sales has slowed in some U.S. states, men and women who rent homes due to personal choices or credit issues has expanded. The JWB company is active in the city of Jacksonville and regularly builds new homes to include in its turnkey rental investing network.

“We have a unique system in place this year that makes it easier for any adult to invest money in the housing market and immediately earn monthly returns,” the housing support specialist said.

The JWB Real Estate Capital website now presents accessible content that helps new investors to learn the rental industry. A complimentary audio and textual training course can now be downloaded to help investors learn about the cash flowing rental industry.


The company launches investment programs each year that help consumers to get started owning property in key areas of the country. The company focuses on its growth in the Jacksonville market due to the rental income increases annually. The company promotes easy navigation on its website to make sure that potential investors receive accurate housing information. New chat systems on the front page of the website connect specialists with investors.