1 Proud of our past, prepared for the future. Informationsförlaget Folksam100+!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Folksam100+!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
3 Folksam100+ Informationsförlaget
4 Folket + Samarbete = Folksam More than just insurance The Landmark at Skanstull Folksam people and the field offices On the offensive in an ever-changing world Core Values, the link between vision and reality Chronology Folksam s leaders over the years Image sources Employees of Folksam and subsidiaries 2008 Folksam and Informationsförlaget 2008 Written by Tina Westerlund Images, see image sources page 117 Project Management Sandler Mergel/Helen Mergel Graphic Design Claes Gustavsson/Darwin Production Bokform/Majbritt Hagdal Working Group Folksam Barbro Gustavsson, Gunvall Grip, Carina Persson, Åsa Persson Meczynski Repro Italgraf Published by Europrinting, Italy Informationsförlaget Box 6884, SE Stockholm, Sweden, Telephone ISBN
11 Folket + Samarbete = Folksam The year is 1905, another time, another world. In Russia, events are taking place that are the prelude to revolution. In Sweden, the dissolution of the Swedish-Norwegian Union takes precedence over almost everything else in the public debate. Norway wishes to dissolve the Union and become independent, which brother country Sweden opposes. But to no avail, as it would soon become clear. This year, agitator Hinke Berggren is fined 50 kronor for threatening in a speech to give an officer a good hiding. The first vehicle register is compiled and Sweden has the grand total of 115 cars. This is the poor man s Sweden of poverty and bread riots with many people living in abject misery. But it is also a time of struggle, of visions of a better life, of pending upheavals. Society is a simmering cauldron of strong powers pulling in different directions. The Swedish Trade Union Confederation (lo) had been formed in 1898 and in 1905 the newly formed Cooperative Union (kf) holds its first general meeting. The Gävle branch puts forward a motion for a home contents insurance establishment to be set up for cooperative members that would take their special needs into consideration. There were no Cooperative members among the owners of the 115 cars in the new vehicle register. These were common people; smallholders, crofters, farm labourers, industrial workers families, who did not own much in the way of worldly chattels, and definitely nothing that insurance companies of the time considered worth insuring. They insured properties, assets, articles of value. Nobody would have dreamed of knocking on the doors of timber hovels and crofters cottages to sell insurance. And even if they did, who could afford an insurance policy? The proposed home contents insurance won approval among the delegates at the Cooperative Union general meeting in 1905 and preparations got underway. But the spirit of the time was conservative and authorities were somewhat noncompliant. Insurance policies for the poor? What good would that do? The cooperative had no equity and bank loans were out of the question. Permission to start an insurance company required signed insurance policies to the tune of two million 19 As well as offering the ultimate in insurance protection, the mission of Samarbete and Folket is to utilise their growing funds and capital resources to support the development of the Cooperative Movement, along with cultural and other endeavours that best serve the broad interests of both camps. K. Eriksson, Managing Director and President of Folket Samarbete from 1925 to 1945 Opposite page: At the turn of the year , Folket Samarbete moved into its own premises, Kungsgatan 5, in Stockholm after renting an office in the Cooperative Union building for many years. The building was to serve as company headquarters for 37 years. The picture was taken in 1955 just after the Folksam name was established. Above: According to the established insurance companies of the late 19th century, a Swedish farm labourer and his family did not have much to insure. But all the same, a fire must have been just as devastating for this family as any wealthy family. The Samarbete Mutual Fire Insurance Society was able to offer a cheap alternative from 1908.
12 Above: At 47 years of age, August Vilhelm Söderbom (AV) became Samarbete s first employee and MD. He was given the title of ombudsman. He had been a farm labourer, soldier, police officer and hospital porter in Köping. He was an active member of the Cooperation Union and took part in the congress decision to form Samarbete. A thrifty realist with common sense. Martin Sundell led the procedures prior to the forming of Samarbete in 1908 and became its first secretary. Like AV Söderbom, he came from Köping. A typographer and editor of the Co-operator journal, he was a talented young man. It was a great loss when Sundell died in 1910 at the age of 31. Clerks deeply engrossed in their work at Samarbete. The office had large windows to enable the staff to work in daylight. Right: The year is probably 1934, possibly a Cooperative Union congress. Seved Apelqvist (left), editor of Konsumentbladet, which later became VI magazine, and Folksam s MD, AV Strömbom, have more in common than they realise. Twelve years later Apelqvist was to succeed Strömbom Below: The agents, then as now the backbone of the two new insurance companies. It is 1914 and the event is a meeting of agents at Lidingöbro restaurant. Samarbete had been selling life insurance for five years. The merger with Folket in 1914 brought with it the possibility of also offering life insurance to ordinary people. August Vilhelm Söderbom photographed in Folksam s premises Kungsgatan 5 in 1924.
13 22 kronor, which they achieved in just a couple of years. After the Cooperative Union general meeting, the representatives put their shoulders to the wheel and signedup insurance policies at all the meetings they attended. No great amounts came in but there were numerous meetings, and an abundance of members, and the reps were diligent and devoted to the concept. At the end of the first year, 6,000 fire insurance policies had been signed and within a couple of years they had their two million. It took three years for the proposed home contents insurance to become reality is the year that Parliament voted by a small majority to reject a bill to restrict freedom of the press, aimed mainly at trade unions. Ellen Key campaigned for laws to make marriage more equal between the partners and for less complicated divorce procedures. It is also the year when the National Union of Swedish Shopkeepers was formed with the aim of opposing peddling, and the ever-expanding cooperative movement. On May 10, 1908 the Ömsesidiga Brandförsäkringsföreningen Samarbete (the Mutual Fire Insurance Society) held its inaugural meeting at the People s Hall in Stockholm with 60 or so delegates from all over the country. In popular parlance the society soon became known as Samarbete. Samarbete s first licence was for insuring personal property against fire. Nothing else. It was not until 1925 that the licence was extended to include other forms of property insurance. The first year was a constant struggle. Not even the Trade Union Confederation was fully convinced of the merits of a cooperative insurance company. The insurance sector trade journal, Gjallarhornet, wrote the following about the upstart Samarbete in December 1908: This small company displays courage and confidence that would command respect were it not for their complete ignorance as to the workings of the industry. A condescending pat on the back. But when the upstart stubbornly sets its sights on survival and refuses to lie down and die as expected by the sector, the tone sharpened somewhat. The upstart was now a serious competitor and a real threat. Samarbete had hardly got its feet wet when it was time for the next branch of the cooperative insurance family tree. Sveriges Praktiska Livförsäkringsanstalt Folket (the People s Life Insurance Institute) saw the light of day in 1914 and the two sisters, Samarbete and Folket, spent their childhood in a time of depression and crises. In summer 1914, a shot resounds in Sarajevo and within a few months the world is at war. In Sweden, the wine and spirits ration book is introduced. We are not involved in the war, but neither are we immune to the hard times brought in its wake. When peace finally arrived in 1918 it brought with it the Spanish Flu. Millions died in Europe. In Sweden alone it claimed 40,000 lives, with the newly formed life insurance company Folket almost becoming one of its victims to 1939 was a period of building. The Swedish popular movements strove to create a new and improved society for the masses, a society that was more secure and with greater equality between the genders. Samarbete and Folket perceived their roles as fulfilling vital functions in that task. There had always been close collaboration with the trade union movement, but it was now closer than ever. Collective insurance in collaboration with the trade unions had previously been discussed, but for many people it was a red rag to a bull. However, Folksam, which would not be called that officially for many years to come, saw the rational thinking behind collective insurance for people on small incomes. In 1925, Samarbete introduced collective accident insurance as supplementary to the existing statutory, but insufficient, workplace accident insurance. The concept became reality and was an immediate success. Within a few months, 80,000 workers had joined. Fifteen years later it covered more than half a million people, and by the early 1960s the figure had risen to over 3.5 million. This was low-cost protection for the weaker groups in society, those with limited prospects of saving money. This in itself was perhaps why they had an even greater need for life insurance. In due course a life insurance policy was introduced and it got off to a flying start. Within less than 20 years, more than 1.5 million people were covered by group life insurance. The Gjallarhornet trade journal was gradually laid to rest on the heap of discarded journals and newspapers but the cooperative insurance concept lived on through the wars and crises. As the dark shadow of World War II descended on Europe in 1939, Samarbete had just become 39 years old and it was plain to see that the company had a pretty shrewd idea as to the workings of the industry. Kungsgatan 5 in the mid 1990s. The long-lived store Myrstedts Matthörna has now gone. Folksam stills owns the building.
14 Above: K. Eriksson photographed in Below: K. Eriksson was always known as K. As a young man he was editor of Örebro-Kuriren, or perhaps Social Demokratin. Became the second director of Folket in From 1924 until retiring in 1945 he was president and MD of both Folket and Samarbete. Left: Was the 1924 addressing machine dust-sensitive? Was humidity a problem? Did it chew off ties and fingers if one was careless or was it just at the cutting edge of modern technology? Below left: First in the register of Samarbete s first policyholders is Julius Jönsson and a bit further down the list are two other recognisable names. AV Söderbom, ombudsman who became Samarbete s first MD, and Editor M Sundell. Perfect rows of heavy darkwood desks on which stand inkpots and steel nib pens, manual calculators and the odd typewriter. Bare surfaces and earnest countenances. The telephonist in a glass booth. To protect her or the cord-operated switchboard? A glimpse of the work environment at Folket Samarbete in the late 1920s/early 1930s.
15 More than just insurance Not just any insurance company. With roots deep in the Swedish popular movement it was clear from the outset that Folksam would be something other than just another insurance company. The company was a part of a movement, set up to fulfil the mass need for simple and cheap insurance solutions for people who would never otherwise have access to such protection. It was something other than a strictly company perspective. Something more. Folksam was a company that would take part in building a society. World War II was over. Sweden had once again avoided getting embroiled in war but had clearly felt the threat, the cold winds and the darkness. A nagging insecurity about the future had also plagued us. Now, with the rest of Europe, we were able to look up, throw off the shackles, breath out and begin to plan for the future. It was a youthful time, a time for optimism. A time to ponder and build anew. A whole new society was being created in which Folksam would play an active part. A lot of things had stood still during the war and the insurance sector was not alone in getting stuck in a rut. Powerful voices were heard advocating nationalisation of, if not all, then certain parts of the insurance sector. Not just one but two government inquiries looked into the issue. The situation was wonderfully illustrated in a caricature of Folksam s managing director as a lone seaman in a small rowing boat on the open sea surrounded by the mines of socialism. Folksam chose to grab the oars and row against the tide. In February 1946 they brought things to a head in a nationwide campaign entitled Bring Things to a Head. The company declared that it was greatly reducing premiums for residential property and personal property, brushing aside a knotted system of discounts in the process. Tariffs and rates were designed so that everybody could understand them. It was a daring move and the reaction was not long in coming. Folksam s competitors were not happy. The trade press, in the spirit of the time, spoke of Hitler-style and Pearl Harbour attacks. Terms like market adjustment, product development, target group expansion, etc. may not have been invented back then but they nevertheless seemed to be in the thoughts of Folksam s management team. The company pressed on during these years, forcing through one improvement after the other. Folksam removed multiyear contracts. Competitors grumbled but followed suit before the law finally put a stop to such contracts. Vehicle liability insurance included a bonus agreement that was an obstacle to competition. Those who changed insurance companies lost part of their bonus, and because 27 An insurance company, at least in eyes of Folksam, would fail in its duty if it were to pursue insurancerelated matters only. From the 1958 jubilee booklet A Half Century with Folksam Opposite page: He led the country with a safe pair of hands, Prime Minister Tage Erlander, but he does appear somewhat insecure in the role of keep fit instructor dressed in a suit with hands on hips. The year is 1967 and the gymnasts are the HP Boys, a group of MPs who had the privilege of using Folksam s excellent facilities. Above: Then, as now, it was about being seen and reaching out with your message through all available channels. From the back of a Coop lorry the message was loud and clear: every third Swede was insured by Folksam. The year was 1958.
16 28 The 4M campaign: Man, Milieu, Machine and Motion. The environmental perspective included the work environment on a broad front. For basic cleaning, the housekeeper probably prefers a scrubbing brush and floor cloth was the message in the original picture caption. the premiums were the same for everyone, nobody could change insurance companies without losing their bonus. Folksam pursued the issue and the system was changed to allow bonuses to be transferred to the new company. As the world changed, so did our needs and our dreams. In these new times an insurance company for the people had to follow developments, perceive opportunities and the new markets that would need to be opened. In these first post-war years, the foundation was laid for Folksam s rapid expansion in the 1950s and 60s. As society modernised, so did the view of the family. The housewife, who had come into being a few decades earlier, was already a dying species. Women acquired education and jobs, and childcare facilities began to be expanded. The teenager saw the light of day dressed in blue jeans rocking around the clock with Bill Haley and his Comets. Parents insurance took over from breadwinner s insurance as an expression of the new times. Not many years previously the father had been the sole insurance holder. The first parent s insurance now arrived and it was not long before the whole family was insured. Householders comprehensive insurance was quickly followed by house insurance and weekend cottage insurance. The car became a normal household possession. By and by came the full value guarantee, which removed the risk of under-insurance. And so it continued. With one ear to the ground as the new times forged ahead, Folksam kept tabs on where the journey was heading. Other companies followed suit, often amid loud rumblings. The 1960s began with the supplementary pension scheme (atp). This was a decade in which Sweden was built up and rebuilt. Social reforms and welfare systems, municipal mergers, pedestrian malls and town centres. We got public health insurance. Private life insurance sold poorly. Perhaps we were insured to the hilt? No, that wasn t it, as legal expenses insurance illustrated. Up to now, only the very wealthy and the destitute could protect their rights in court; the wealthy could afford to pay their own legal expenses while the destitute received legal aid. Ordinary wage earners did not stand a chance. Until Folksam introduced an insurance policy to cover that need. New thinking was required along with insurance companies changing their profile. That which appeared on the horizon when all other needs were covered by group insurances, social insurance, unemployment in- Parent insurance replaced the old breadwinner insurance in the 1950s. Who could resist falling in love, getting married and becoming a parent and, more importantly, taking out a policy with Folksam after seeing this exquisite poster?
17 Drastic, dramatic and very decorative. Folksam s advertising posters have always had great artistic value and are classics of their genre. surance, and society s other assurance systems, was the savings market. Our welfare had increased rapidly. Folksam s traditional customers suddenly had more than just the bare necessities; the possibility arose of thinking in new financial terms. A new term was invented: the Affluent Society. The question was how we wanted to utilise the surplus. Folksam s marketing made the link between security and savings. Security and savings, a mantra. The expression take out a life insurance policy became save in a life insurance. A bit of money in the bank was not unusual, or even a life insurance policy, but shares? Hardly. Unit trusts became the new thing. They produced a good yield with a secure allocation of risk. And a further innovation could be offered: administration, the insurance company eased into the bank s traditional area. People who received compensation from their insurance policy would need help to manage the capital. Insurance, bank deposits and shares were three steps towards saving. Of the three good things we choose all three, wrote Folksam. Insurance is a good thing. Not needing to claim on it is even better. This was one of the basic concepts behind more than just insurance. A strong and broad-based investment in preventive measures. A large and influential insurance company would naturally use its knowledge and experience to prevent claims. In the early 1960s a car repair workshop opened in Växjö, the predecessor to Folksam Auto. As usual, murmuring was heard from the competitors and the motor industry was also clearly sceptical. But Folksam s concept was not to compete other workshops out of the market. It was a research and development workshop that, 40 years on, all self-respecting large companies have. But back then it was unique. The workshop investigates everything from working environment issues in workshops to injuries caused by traffic accidents. All with the aim of learning and preventing. How did the accident happen? What happened to the driver and passengers? What would have happened if? Technical data formed the basis of new products, new working methods and new legislation. The business earned admiration and respect, even internationally. In the 1950s, when it was still possible to see celebrities smoking cigarettes in newspaper ads, Folksam took part in a campaign that was almost contemporary in its style. Public Health Year began in Today we are well aware of the risks of stress, too little exercise, too much and too fatty food. We jog as members of a popular movement, take part in the Vasa skiing race, have an annual membership card at a gym and follow dietary trends. In the 1950s the health concept was almost unheard of. The Public Health campaign was chiefly financed by Folksam and implemented in collaboration with the Swedish Trade Union Confederation (lo), the Confederation of Professional Employees (tco), and Korpen the Swedish Sport for All Association. It was forward-thinking and the first of many similar campaigns over the years. Once damage had been done it would not just be a question of paying the claim. This was another basic concept behind more than just insurance. In the 1950s, Folksam s Rehabilitation Council was formed, made up of trade union representatives, medical experts and other parties. Folksam has always placed its insurance policies in a larger social context as part of a political stance towards insurance. It is more than just insurance. And more than just words. 31
18 Health and personal responsibility in the form of exercise has been a recurrent message in Folksam s campaigns over the years. Your health is in your own hands, with LO, TCO and Korpen, is a prime example.
19 Just settling claims and paying has never been Folksam s forté. The company utilised its knowledge and experience at a very early stage to reduce the number of traffic accidents and minimise injuries and damage. One of many examples is the annual test of the roadworthiness of various car makes. The findings attract interest, foreboding and expectation.
20 The new head office would be a bastion of health. Typewriters had become electronic, office chairs ergonomic and plenty of light streamed in through the windows. The typists are in the middle of a workout. This time footballer Hasse Tvilling takes on the role of instructor, wrote evening newspaper Expressen on the day of the opening ceremony on May 26, 1960.
21 There have been many campaigns and quite a few posters over the years. Which cat poster is the best ad? Which best puts across the Folksam message? To get the answer to that question a poster stall was set up in the reception hall to give Foksam staff the opportunity to vote. Folksam s cat poster from 1952 (only a cat has 9 lives) should become a classic and be used on advertising courses, wrote the journal Affärsekonomi at the time. Sure enough, it became a classic.
22 Inventive, dramatic, beautiful, artistic, provocative and the occasional literal interpretation. All that and a little more could be said of all Folksam posters. The concept of a child in the shape of a plant needing water (who waters your plants when you re away?) as a symbol of insurance has been used several times by Folksam over the years. One day an elderly woman phoned the company asking for help watering her plants when she was away.
23 The Landmark at Skanstull It would be interesting to know what she was thinking, Miss Sigrid Åberg. In the pictures from Ascension Day 1960 she is sitting in the front row among the other guests assembled in the hall to listen to Prime Minister Tage Erlander. She is a proper lady, elegantly dressed in suit and hat; the kind of lady who lived on well into the 1960s. Sigrid looks solemn, and rightly so, touched by the gravity of the moment. It is the opening ceremony of Folksam s new headquarters, the skyscraper at Skanstull. Surrounding her are current and former managing directors, the head of the Trade Union Confederation, cabinet ministers and local councillors. In front of her stands the Prime Minister, behind her the light and airy hall is chock-a-block with guests and employees. It would be reasonable to assume that her thoughts were dwelling on when it all started. Sigrid Åberg was there in 1908 when Folksam drew its very first breath. She and August Vilhelm Strömbom were the first two employees of the home contents insurance establishment Samarbete. She mostly went under her initials, AV, had the title of ombudsman and was the first in a long line of office clerks, an occupational category that was destined to gradually fade away. Back then, in the inaugural year of 1908, all the office space needed was that afforded by the room rented in the Cooperative Union s head office on Vasagatan. The workforce of two had one heavy, dark brown desk each on which they carried out their tasks manually under the feeble glow of a cobbler s lamp. For a small fee, Sigrid and August Vilhelm were even allowed to use the Coop telephone. But back to 1960 and the new Folksam headquarters, so grand and proud, nestling among homes, industries, allotments and schools. The building rose up 27 storeys above ground and four below. Its 7,100 square metres of white marble façade glistened from far afield. The 2,800 windows were given bright blue Gustavsberg enamel backs in the same shade as Folksam s blue logo that sat like an explanation mark high up on the façade. Today 43 We envisage the Folksam building becoming a forum in which our cultural idiom is groomed, maintained and enriched, and where the message and flame of social responsibility and human kindness is kept alive. Managing Director Seved Apelqvist from the preface of The Building at Skanstull (1960) Opposite page: Prime Minister Tage Erlander speaks at the opening ceremony on May 26, Among the guests sitting in the first row is Folksam s first clerk, Sigrid Ågren in a hat with a bouquet on her lap, employed in Above: a remarkable building. The model of Architects Nils-Einer Eriksson s and Tyngve Tegner s creation attracted a great deal of attention at the opening ceremony. The model can still be viewed in the foyer.
24 44 the company has a new logo in a designer font. A strong brand, an easily recognisable logo designed to put across the company s core values: security, empathy, commitment, professionalism. And it was beautiful. The building was close to everything, close to the people. It had already become Skanstull s very own landmark. Like Hötorget with its skyscrapers, Gullmarsplan with its Globe Arena, Medborgarplatsen with its Inland Revenue skyscraper. Landmarks are built to be seen and to take up a position in the geographic location as well as in people s minds. The latter is particularly important. The building was to create an innovative environment. That is what Managing Director Seved Apelqvist had in mind. A building that inspired good ideas and where people could work and progress. Not only a place of work but a place in which to thrive and feel at home. That was the concept: no well-being, no job satisfaction, no job satisfaction, no efficiency. It would be nice to think that Sigrid Åberg felt at home where she sat in the hall next to Barbro Nilsson s beautiful two-storey tapestries. The high and airy hall was light years away from her office at Samarbete. Hopefully she saw that the Folksam concept was being well nurtured in the grand but homely headquarters at Skanstull in 1960, more than 50 years after she began working for the company. And similarly, one would really like to think that Seved Apelqvist liked what he saw on this day. The issue of a new headquarters was high on the agenda when Apelqvist took up the company oars to become MD in The Coop office space had become inadequate and in , the Kungsgatan 5 property was acquired, a 6-storey stone building in central Stockholm. A large neon sign was installed on the façade Folket Samarbete. It was to become Folksam s headquarters for 37 years but had outgrown its use long before the Skanstull building came along. When the furniture removal vans began their trip to Bohusgatan, they did not only come from one place. Folksam was located in 15 or so different places around Stockholm. With the help of the Finance Manager Joel Eriksson, Seved Apelqvist pursued the building of an ample new headquarters from concept to the first shovelfull, and took part in designing the smallest detail of the building. Today he would see a building that has been lovingly nurtured and piously restored, a child of its time that is far from being a museum. A skyscraper that is outlandishly homely for its size. The two most eager advocates of the Folksam building, MD Seved Apelqvist and Finance Manager Joel Persson, inspect the construction, which is quite far advanced. It took eight years from concept to construction start. On November 1, 1954 the first spade entered the ground of the Tullträdgården block. Just over a month later the earth in the old backyard had been carted away and the bedrock opened to the heavens. They blasted deep down into the rock to make room for four storeys of basements. A total of 31,000 square metres that would later house an underground garage, archives, a print works and a keep fit centre. Terminology was different in the 1950s. The term keep fit probably did not exist, along with a number of other healthy activities that we have words for today. But the need existed and the newly built gym and swimming pool were not just to be admired. They would contribute to contentment and good health in the same way as the modern cafeterias and the excellent food they served. The restaurant wing was completed in 1957, the same year as the world followed Russian space dog Laika s orbit around the earth. Once at ground level the Folksam building grew rap- Opposite page: Author and Illustrator Stig Claesson Slas created a series of Södermalm motifs commissioned by Folksam. The Folksam building at Skanstull was a natural choice.
First 100 Instant Words the had out than of by many first and words then water a but them been to not these called in what so who is all some oil you were her sit that we would now it when make find he
Fry Instant Words High Frequency Words The Fry list of 600 words are the most frequently used words for reading and writing. The words are listed in rank order. First Hundred Group 1 Group 2 Group 3 Group
T h e G i f t o f t h e M a g i p T h e G i f t o f t h e M a g i ONE DOLLAR AND EIGHTY-SEVEN CENTS. That was all. She had put it aside, one cent and then another and then another, in her careful buying
p T h e L a s t L e a f IN A SMALL PART OF THE CITY WEST OF Washington Square, the streets have gone wild. They turn in different directions. They are broken into small pieces called places. One street
T h e C o p a n d t h e A n t h e m p The Cop and the Anthem S OAPY MOVED RESTLESSLY ON HIS SEAT in Madison Square. There are certain signs to show that winter is coming. Birds begin to fly south. Women
Socialdemokraterna January 27, 2012 Venue: Museum of Photo A forum for photography, Stockholm Summary Text of a speech by Mr Stefan Löfven, Party Leader Thank you very much, I am nervous, I can promise
Sight Word Superstars Building Fry List Fluency By Jennifer Bates http://finallyinfirst.blogspot.com/ How I use this program I developed this program because I noticed many of my students were still trying
LINA AND HER NURSE. SUNDAY-SCHOOL UNI0 N, 200 MULBERRY-STREET, N. Y. LINA AND HER NURSE. SUNDAY-SCHOOL UNION, 200 MULBERRY-STREET, NEW YORK. LINA AND HER NURSE. L INA lived away in that land of the East
Set 1 The people Write it down By the water Who will make it? You and I What will they do? He called me. We had their dog. What did they say? When would you go? No way A number of people One or two How
All About Auto Insurance The legal responsibility involved when you are in a car accident is extraordinary. Basically, if you hurt someone else while driving, there s no limit to the amount he or she can
How to Launch a Referral Business and Earn a Consistent Monthly Income by Jerry Robinson Since 2006, I have owned and operated a growing number of businesses that I call referral businesses. I literally
Real Life Methods Part of the ESRC National Centre for Research Methods Toolkit #02 Putting on an exhibition about your research Hazel Burke, Real Life Methods, University of Manchester July 2008 About
PET Reading Part 5 Gap Fill Exercises Choose the correct option for each space. Prepositions 1 The signal travelled... a wire. A about B above C along D around 2 First... all, we need to consider the benefits.
Gift of the Magi By O Henry One dollar and eighty-seven cents. That was all. And sixty cents of it in the smallest pieces of money - pennies. Pennies saved one and two at a time by negotiating with the
PUSD High Frequency Word List For Reading and Spelling Grades K-5 High Frequency or instant words are important because: 1. You can t read a sentence or a paragraph without knowing at least the most common.
The High Value Advertising Formula If you want to attract the type of customer who is sophisticated enough to understand that a higher price can be well worth it if they get genuine value, you must use
Statement of Intent I intend to construct a slim boy which will suit my needs and will be compatible with my furniture in my bedroom in my house. This will be very handy and useful to everyone in my home.
FINAL REPORT MY EXCHANGE SEMESTER IN GÄVLE, SWEDEN (27 TH AUGUST 2014 18 TH JANUARY 2015) UNIVERSITY OF APPLIED SCIENCES BIBERACH MORITZ REIBER Table of content Preparation... 2 Sweden & Gävle... 3 University...
THE PERSONA AND CUSTOMER JOURNEY 1. Story telling You have been out and have been talking to your natives. Now is the time to share the stories you have heard in your teams and to capture the insights.
Fry Instant Phrases The words in these phrases come from Dr. Edward Fry s Instant Word List (High Frequency Words). According to Fry, the first 300 words in the list represent about 67% of all the words
A Trip to Cambridge By Iina Lahti A beautiful sunny day in July; I m walking on a street in the middle of a city, being surrounded by stunning old buildings. Colleges and churches seem to be in every corner,
Thoughts on Retiring to the Land of Smiles By Hugh Leong Copyright 2010 by Hugh Leong The author disclaims any liability, loss, or risk, personal or otherwise, which is incurred as a consequence, directly
IKEA PS 2014 Collection Interviews with Select Designers behind the IKEA PS 2014 Collection Designer: David Wahl Products: IKEA PS 2014 Pendant Lamp IKEA PS 2014 Work Station IKEA PS 2014 Plant Stand I
p T w o T h a n k s g i v i n g D a y G e n t l e m e n THERE IS ONE DAY THAT IS OURS. THERE IS ONE day when all Americans go back to the old home and eat a big dinner. Bless the day. The President gives
Changing the shape of British retirement Free Phone 0800 043 33 66 About us Welcome to Homewise Like many people, you may have spent years looking forward to a dream retirement lifestyle, perhaps wanting
LATE SPRING 2013 MAGAZINE Amazing GR ADY georgia s big film biz nashville calling LUXURY LIFESTYLE IN THE SOUTH FASHION PREVIEW SOCIETY The Estate WeddingS, Events & Moments In Between The E Tony Conway
Achievements and challenges of the single market S&D responses to citizens top 10 concerns The European economic model must be based on three principles: competition which stimulates, co-operation which
Graphics Designer 101 Learn The Basics To Becoming A Graphics Designer! Contents Introduction Chapter 1 The Role of the Graphics Designer Chapter 2 Qualifications in Order to Become a Graphics Designer
WELLBEING IN OSRAM CZECH REPUBLIC LTD. 1. Organisations involved Osram Czech Republic Ltd.,Zahradní 46, 792 01 Bruntál, Czech Republic 2. Description of the case 2.1. Introduction Osram is one of the two
IPPR speech Pension reform in the public services 23 June 2011 Good morning everybody. Can I start by thanking the IPPR for giving me this opportunity to say a few words about pension reform in the public
1 The Road to Castle Dracula My name is Jonathan Harker. I am a lawyer and I live in London. About seven years ago, some strange and terrible things happened to me. Many of my dear friends were in danger
The Business Cycle and The Great Depression of the 1930 s With the stock market crash in October, 1929, the U.S. entered a period in its history known as the Great Depression. This lasted for almost the
ISI Debtor Testimonials April 2015 ISI Tackling problem debt together The following are the words of debtors who have availed of the ISI s debt solutions and are real cases. They have reviewed and agreed
THE MAGAZINE FOR FRANCHISEES VOL 02, ISSUE 05, MAR 2014 $5.95 www.franchisingusamagazine.com WEIGHT LOSS & WELLNESS: HEALTHY FRANCHISING HOW MUCH MONEY WILL YOUR FRANCHISE MAKE? WOMEN IN FRANCHISING: FROM
Community and Housing - Empty Property Strategy Strategic Objective: Epsom and Ewell Borough Council is committed to minimising the number of empty homes in the Borough The Council is committed to a Corporate
Graphic Design for Beginners Presented By MasterResaleRights.com Table of Contents Introduction 3 Chapter 1 The Role of the Graphic Designer 5 Chapter 2 Qualifications in Order to Become a Graphic Designer
Social Work > Poverty Game Poverty game: poverty and social inequality Target group(s): Objective: Pupils from 7th school grade upwards Examination of poverty and other forms of social inequality Method:
Georgia O Keeffe 1887-1986 The Beauty of Nature Sun Prairie, Wisconsin 1887 The farm where Georgia grew up was a great place to learn about nature. Georgia wanted to touch and feel everything. She remembered
STAGED HOMES THAT SOLD QUICK IN 2009 JUNE HOUSE JUNE HOUSE SOLD FOR $375,000 SOOTHING BEDROOM INVITING DECK NEUTRAL BATHROOM GARAGE Clean and organized STAGED HOMES THAT SOLD QUICK IN 2009 AUGUST HOUSE
The Shell Advertising Poster 1920 1953 Introduction The first Shell advertising poster was produced in 1920. Posters were displayed on the side of the delivery lorries transporting cans of fuel to customers
Families with Children in Care A guide to your rights if your child is in care Partnership with Families Project Family Advocacy Service support for families with children in care Handbook This guide for
s A Case Study: YWCA Sonoma County and West County Community Services March 2012 Support provided by: 5900 Hollis St. Suite N Emeryville, CA 94608 www.lapiana.org firstname.lastname@example.org Introduction s: is presented
Vocational Education in Beverly: A Model of the Factory-School Connection by Tim Wear Abstract This paper is about the connection between trade schools and factories. There were many strong connections
FashionTV is the biggest fashion medium in the world FashionTV broadcasts the latest news and information to over 350 million households and 7 million public places worldwide. As the only global 24/7 television
INDEPENDENT LIVING At Penobscot Shores Retirement. What does that word mean to you? T o our residents at Penobscot Shores it means freedom and independence. It means time for crosscountry skiing, summer
Helping me to live my life Dedicated care and support for people living with dementia I ve always loved being outdoors, so I was worried when I moved from my own home that I would miss my garden and not
Providing Support for Special Needs Children By The U.S. Department of Education, Office of Educational Research and Improvement. Posted June 1998. All children can succeed with the right support. Being
Horizon Career Centre Here at the AASW Horizon Career Centre we want to encourage you to develop clarity around your purpose in social work. Plan Your Career was developed to help you articulate your values
101 Characteristics of Americans/American Culture To help you compare and contrast what you observe of American culture and your own, mark the similarities and differences between your culture and what
Running head: MOVIE REVIEW: MY LEFT FOOT 1 Alexis Naugle 2-15-13 Intro to Special Education Dr. Macy 2 The movie I chose to review was called My Left Foot, The story of Christy Brown filmed in 1989. The
How being single affects the individual and the society (9:30 to 10:15, 45 minutes) Bella DePaulo I m 60 years old and I have always been single. I always will be. I love being single. I have never dreamed
6 ideas How to promote your sports event through charity Stay in touch with us on Raise money for your favorite charity Content What is BetterNow About the author What is peer-to-peer fundraising Introduction:
mobility coaching A project to change travel habits City of Göteborg Traffic & Public Transport Authority, 2007 Participants undertook to leave the car behind and to walk, cycle or take public transport
Legacy Bank s Margaret J. Henningsen leads the charge in reaching the unbanked By Carol Patton 48 IndependentBanker 09 2006 One summer morning in 2002, Christina Mitchell walked into Legacy Bank in Milwaukee
Photo by Joe Larson A Fir Tree Ceremony with Carla and Leif Photo by Joe Larson In December 2011, Carla and Leif contacted me very last minute to be their wedding officiant for a small ceremony to take
Women in the Military Women have served in military conflicts since the American Revolution, but World War II was the first time that women served in the United States military in an official capacity.
AY FGM FOURTEEN FGM WakeTheLion an interview with Sonyanga Ole Ngais Sonyanga is Captain of the Maasai Cricket Warriors, coach of the Maasai Cricket Ladies team, and one of the stars of the highly acclaimed
LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.
1 Tom and Daisy That spring, the sun shone every day. I was lonely at first in the East. But I felt that this was the real beginning of my life. I walked in the fresh air. I bought books. I worked hard.
Life Insurance made easy INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges people face in
101 IELTS Speaking Part Two tasks about the Past, Present and Future The most challenging and least likely tasks in the exam are the tasks that are mainly about the future (towards the bottom below), with
1 Declaration on the 20th Anniversary of the Barents Euro-Arctic Cooperation (Kirkenes, Norway, 3 4 June 2013) Prime Ministers and other high-level representatives of the members of the Barents Euro- Arctic
Miraculous Catches of Fish Scripture: Luke 5:1-11; John 21:1-6 Objective: God has a Plan! Bible Memory Verse: Jeremiah 29:11 For I know the plans I have for you, declares the Lord, plans to prosper you
HE WHO WRITES THE CHECK IS FREE JOSEPH WOODHOUSE WALL STREET PIONEER Jana B. Woodhouse One of the many reasons I love being affiliated with Transamerica Financial Advisors, Inc. and World Financial Group,
PIONEER IMAGES OF UTAH ARTIST: Laura Lee Stay Bradshaw (1958- ) Provo TITLE: Martha Hughes Cannon 1996 MEDIA: Bronze SIZE: 8 feet high COLLECTION: Utah State Capitol Rotunda BIOGRAPHICAL INFORMATION Laura
Financial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve What does financial freedom mean to you? Does it mean freedom from having to work, yet still being able to enjoy life without
LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.
The complete guide to becoming a mortgage advisor Mortgage advisors help people with one of the biggest purchases of their lives, helping them to secure a mortage to buy or re-mortgage property. If you
Supplementary Planning Document to the High Peak Local Plan June 2011 Design Brief for the Town Hall Complex GILLESPIES I GERALD EVE Reproduced from the Ordnance Survey map with the permission of Ordnance
I m in the Principal s Seat, Now What??? Five Things You Can Do Tomorrow To Create an Exemplary School VISIBILITY If you listen to nothing else, you need to internalize the importance of the leader s VISIBILITY.
Pastor Spotlight Martha Fisher, CBC Women s Pastor Inspiration Martha Fisher, Women s Pastor at Community Bible Church, leads with a passion to reach, teach and help the women of our community for Jesus.
Weaving the Pieces Together By Annette Unten Life is a woven tapestry. All the people and the events that enter my life become a part of the threads in my tapestry. Bright colors are woven with pastels.
Dear Expectant Mother, We are Lisa and DJ and we ve been married for a very happy twelve years. Having a child is something that we have always dreamed of. Like most people, we assumed it would come naturally
What are you worried about? Looking Deeper Looking Deeper What are you worried about? Some of us lie awake at night worrying about family members, health, finances or a thousand other things. Worry can
Retaining Teachers: The Principal as Motivating Factor Lawrence Allen Jr. People have asked me why, in my inner-city school of twelve hundred children 80 percent of them impoverished deemed in many eyes
7. What are the possible financial consequences of divorce? When it comes to building wealth or avoiding poverty, a stable marriage may be your most important asset. Drs. Linda J. Waite & Maggie Gallagher,
A Unique Restoration Facility Taking the art of craftsmanship to a new level On a visit to Christchurch, New Zealand, late last year David Newton-Ross visited Auto Restorations and talked to General Manager
Conditions of Hire (Rooms 22.214.171.124 and Halls) Grou Page 1 of 6 Conditions of Hire 1. Hirer: The Hirer is you the person who completes the agreement and signs the conditions of hire. 2. Availability The