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Many card providers calculate APR based on several tables. The APR is part of the package when receiving a credit card that you must understand to avoid debt. Nowadays, nearly any company that offers consumers the ability to pay their debts via phone will charge a fee. The fee sometimes starts at $1.50 and reaches to $3.50. As you can see, to save money you want to avoid the telephone. Some companies are even charging customers for reviewing their statements, asking general questions, and so forth. More APR and FEES Credit Cards
The word "carpenter" is the English rendering of the Old French word carpentier (become charpentier) which is derived from the Latin carpentrius [artifex], "(maker) of a carriage. The Middle English and Scots word (in the sense of "builder") was wright (from the Old English wryhta), which could be used in compound forms such as wheelwright or boatwright. In British slang, a carpenter is sometimes referred to as a "chippy".
Carpentry is a skilled trade in which the primary work performed is the use of wood to construct items as large as buildings and as small as desk drawers. [Note: in the UK, strictly speaking, the term is more correctly used to describe the skill involved only in 'First Fixing' of timber items and mainly covers areas such as constructing roofs, floors and timber framed buildings - i.e. those areas of construction that are normally unseen in the finished building. 'Second Fix' work - i.e. skirting boards, architraves, doors etc., is more correctly referred to as 'Joinery'.] Carpentry is also used to construct the formwork into which concrete is poured during the building of structures such as roads and highway overpasses. [Note: in the UK, the skill of making timber formwork for poured (in situ) concrete, is referred to as 'shuttering'.] While the primary material used is wood, the construction of walls with metal studs, and concrete formwork with reusable metal forms is a carpentry skill.
Professional status as a journeyman carpenter in the United States may be obtained in a number of ways. The most formal training is acquired in a four year apprenticeship program administered by the United Brotherhood of Carpenters and Joiners of America, in which journeyman status is obtained after successful completion of a 12 weeks of pre-appenticeship training, followed by 4 years of on-the-job field training working alongside journeyman carpenters.
There are two main divisions of training: Construction Carpentry and Cabinetmaking. During pre-apprenticeship trainees in each major division spend 30 hours a week for 12 weeks in classrooms and indoor workshops, learning mathematics, trade terminology, and skill with hand and power tools. Construction carpentry trainees also have a daily calisthentics period to prepare for the physical aspect of the work.
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