text
stringlengths 14
151k
| timestamp
timestamp[s] | url
stringlengths 14
895
|
|---|---|---|
Choose from a wide variety of classic deli sandwiches or mix and match to create your own. Also features soups, salads, dessert, catering. M-Th, 10am-8pm; F, 10am-9pm; Sat, 11am-9pm; Sun, 11am-4pm. | 2019-04-20T19:32:43 | https://www.pittsburghmagazine.com/Pittsburgh-Magazine/Eat-and-Drink/Restaurant-Finder/index.php/name/CARSON-STREET-DELI/listing/27384/requiressl/true/ |
It looks like the fantasy that tech was going to pull everything out (did anyone really believe this) has been torpedoed twice, is dead in the water and is listing 12 degrees to port.
Microsoft Corp. will cut 5,000 jobs, or about 5 percent of its workforce, as the global recession eats into demand for software.
The reductions, Microsoft's first companywide firings, will take place in nearly all areas, including research, sales and marketing, the company said today in a statement. The measure, announced with the company's second-quarter earnings, will save $1.5 billion, Microsoft said.
Chief Executive Officer Steve Ballmer is under pressure to reduce costs as sales growth dries up in what may be the worst recession since World War II. The company's Windows division, which accounts for about a quarter of sales, is suffering after personal-computer shipments rose at the slowest rate in six years in the fourth quarter.
Doing the monkey-boy dance isn't likely to save things for Microsoft, which, like it or not, faces increasing irrelevancy and timing of a product cycle that isn't doing it any favors. Vista is a disappointment and Windows 7 isn't likely to help much. There are just so many new tricks you can squeeze into an operating system and until Windows cooks perfect toast in the morning, we've hit the point of diminishing marginal returns. This, combined with the Microsoft-Intel chain gang effect puts old Steve in the spotlight while chained by the ankle to Woody Allen. There are fates worse than death, but not many. | 2019-04-22T18:29:01 | https://dealbreaker.com/2009/01/tech-fantasies |
1+1 Campaign - Gift One, Get One. Choose a Designer Tote either "Be Fearless" or "I Am Enough" plus one of our lovely "Kia Kaha" Be Strong Journals for yourself and know that you are gifting one to support a mum going through one of the safehouses.
Part of our 1+1 Fundraising Campaign - Gift One, Get One: Your purchase of a tote/journal combo will also gift one to a mum in a safehouse. Please support the important work we do by buying a set today! | 2019-04-22T04:08:40 | https://igotyourbackpack.org.nz/support/tote-combo |
Work with MCA first began in 1995. Two years later an initial version of the Software was developed and has since undergone a complete renewal.
A large amount of studies have been done in the field of work and organizational psychology. This should not be construed as a predilection of MCA towards such studies. MCA has been used in widely varying cases ranging from the surveying of school children’s comprehension of subjects they study as part of their curriculum to probing the readiness of air defense system dispatchers to analyzing men’s ability to handle crisis in relationships.
MCA performs as surveys or questionnaires do, but because it relies on small texts resulting from the free expression of subjects, MCA provides a much more profound and precise response than the rigid environment of surveys and questionnaires. By its very nature, MCA is free of any bias and is culture independent.
High school teachers in the modern multicultural world. | 2019-04-26T02:22:43 | http://mcadev.com/work.html |
I drink the coffee and then I read the books!
This laser engraved wooden coffee bookmark is made from finished Baltic Birch wood. The top of the bookmark was hand drawn, digitized, and then laser engraved in our studio in Illinois. This bookmark would make a great gift for the book lover in your life and fits perfectly inside the pages of your favorite book! | 2019-04-25T17:14:59 | https://helloworldpaperco.com/bookmarks/coffeewoodmark |
What is your vision for Pakistan?How do you like the world to view Pakistan ?
PPers meet on Oct 29 in Abu Dhabi ?
Who's got the best signature on PP?
How long can you survive without your mobile phone ?
Pakistan Matches live on iPhone.
Settled Abroad ? How does it feel ?
Is this what you call a life?
Your Favorite Pakistani Drama series Title Song.
Do muslims believe in CHURAIL?
Time-travelling alien? Mystery Woman holding cell phone in 1928!
Debate: Only the elite can truly successfully manage national affairs.
Bin Laden Warns French of "revenge attack"
Any law students here that could help me with my coursework?
Help on mini A level Chemistry Question!
I swore at my boss and told her to basically EFF OFF!
Today I learned I was using the wrong term all along.
Liverpool & Pakistan Win on the Same Day - WOW!!!!
How to get rid of YouTube Account?
This is How the Satan works..
How Pakistani Public views Corruption ?
Which Mobile/Cell phone do you have/own??
Umar Akmal's new bat - will it make a difference?
Rs 74 Million: PM Gilani’s palatial official residence renovation.
Cost of grocery expenses has doubled in 3 years in Pakistan?
"She said i prefer a broken neck"
Superstars - Sajid Khan show!
Miss Meera Jee did it again!
Urgent help needed.I think I have been victim of an ebay Scam.
where can i find wwe svr2011 on ps2(lahore)?
Irfan Alam: Vow what a man!
Oldest Person You Know/Have Met?
Amazing Video! Brazilian Port Collapses Into the ***** River!
Two South Africans Paddle their way to Hajj!
Canada ranked No. 1 country brand in the world!!
Should Capello pick Andy Carroll for the England Squad?
The Official A Levels Q & A thread!
Can't thank Allah SWT enough!
PTI vs PPP Fight at Talk show.
Which country is the most racist!
Who is your favorite Desi singer(s)? | 2019-04-19T04:55:28 | http://www.pakpassion.net/ppforum/archive/index.php/f-12-p-97.html?s=eadd50616f17bfcb2806c2cfef4d1041 |
The 42 Degrees Company is an international independent company, set up in early 2017 by private investors for the development of nutritious, ready-to-go self-heating drinks.
Its goal is to provide solutions and relief for the growing number of emergencies around the world such as natural disasters, humanitarian crises and conflict.
Our Mission: To offer people hot drinks anywhere, anytime.
An international company whose headquarters and production centre are located in Valladolid, Spain.
In early 2017, our group acquired a factory located in Valladolid, Spain, with the aim of supporting and supplying humanitarian organisations and people in need. The factory was originally established in 2005, and the purchase included the patent, technology and production facilities of self-heating cans of beverages and liquid foods.
After significant investment in the production facilities, improving the quality and safety processes, we have started producing assorted beverages including coffee, chocolate, chai latte and others. We are also able to produce soups and liquid foods on demand.
Our products are aimed at people in need and those who do not have access to hot and nutritious food with the energy they require, as well as people on the move who want to enjoy a hot drink and its benefits. Three minutes is all it takes to have a hot drink, no matter if the people are in an area hit by a natural disaster, in a war zone, on a train, on a mountaintop or anywhere in between.
We are committed to being an innovative, altruistic and green company. We work with humanitarian and civil organisations, and we adhere to The United Nations Global Compact as “participants”. Additionally, our factory is designed to reduce emissions and our cans are recyclable and produced keeping the environment in mind.
The factory has top-of-the-line equipment, and each can is very safe and easy to use. We work internationally with top suppliers to ensure that our products are of the best quality, are healthy and that everyone who enjoys our products is always satisfied.
The self-heating can is patented, and we are certified and meet all international standards, requirements and certifications, including religious dietary guidelines. Our shareholders have international experience and a long history in the food and beverage industry, ensuring that each product is of the highest quality.
The 42 Degrees company was founded to offer solutions for first aid and relief in situations where providing hot drinks would be almost impossible without our patented self-heating can technology.
The 42 Degrees company is a participant of the United Nations Global Compact, and abides by the agreement’s 10 principles regarding Human Rights, Labour, the Environment and Anti-Corruption. Click on the logo to learn more about the Global Compact.
The 42 Degrees company is a certified partner of associations working for the disabled, as part of its outstanding Corporate Social Responsibility policy.
Select your country and click to contact us. | 2019-04-19T15:04:41 | https://the42degreescompany.com/en/ |
The $7,500 federal tax credit for electric vehicles is set to start phasing out for the Model S, Model X, and Model 3 after Dec. 31, according to the company’s website. The Palo Alto, California-based carmaker is the first to trigger the reduced incentive in the U.S.
While tax credits have helped boost electric vehicle demand in the U.S., they remain only 1.1 percent of the market. The federal government support was designed to decline once manufacturers reach higher production levels and reduce their costs. Two quarters after a company reaches 200,000 sales in the U.S., the incentive is cut in half to $3,750. Two quarters later, the credit amount is reduced by half again, and it’s eliminated half a year later.
A Tesla spokesman confirmed that the company delivered its 200,000th vehicle in the U.S. this month, so the full $7,500 tax credit will remain in place until Dec. 31. After that, the incentive starts ratcheting down and will be eliminated at the end of 2019, assuming there’s no change to the program.
Tesla increased second-quarter deliveries to Canada and had a significant number of vehicles in transit at the end of June, which may have reflected an effort to delay reaching the 200,000 level to “game the tax credit,” Loup Ventures analyst Gene Munster speculated on July 2.
Musk denied slowing U.S. deliveries, saying he wasn’t tracking the number, only pushing to increase production.
The Model S sedan and Model X sport utility vehicle can each cost more than $100,000. The Model 3, billed as a more affordable car with a starting price of $35,000, is currently delivered only in more expensive versions. Chief Executive Officer Elon Musk said June 5 that the lower-priced version will probably start being sold around the end of this year. | 2019-04-25T10:47:40 | http://fortune.com/2018/07/12/tesla-federal-tax-credit-electric/ |
eScrip is an easy way to support Trabuco Hills Girls’ Lacrosse … just by buying groceries at Vons and/or Pavillions. When you shop, the team gets a small slice of what you spend.
To sign up, please follow all the eScrip instructions until you have completed the registration.
To start registration, CLICK HERE!
You will need to search for “Girls Lacrosse – Trabuco Hills H S” … OR CLICK HERE … OR search for Group ID # 500006520!
PS: If you often shop online, look at eScrip’s store — links to popular online shopping sites. Buying through those links, with a credit card registered with eScrip, can gain our team additional funds. | 2019-04-20T09:26:11 | https://trabucolacrosse.com/fundraising/store/escrip/ |
Hi i'm looking for some ps4 players to play with (casual and ranked).
I play almost every day and i'm looking to improve my skill, so i'm looking for people who get mad if we loose (even if i doubt it will happen a lot).
Just add me (citadrell) if you're interested. | 2019-04-23T11:16:13 | https://forums.ubi.com/archive/index.php/t-1700758.html?s=b3953fb13bad092de4143e1fab65e4d3 |
Very unique and fun! great embroidery.
Fabulous. It makes me smile.
It all started with a sock monkey because I didn't want to throw out my favourite pair of socks. And then I made sock monkeys for everyone I knew. So I started to sell them because there's only so many sock monkeys one person needs.
But a funny thing happened while I was making those sock monkeys: I taught myself to embroider in order to give them faces and baby friendly eyes and I fell in love with embroidery. So I started playing around with embroidered pieces and the Canadian Heritage Minutes series was born. It snowballed from there.
While embroidery is my passion, my day job is in marketing where I do web content and I'm the mom of a busy toddler. I spend my evenings with my stitching after I put that toddler to bed and turn on Netflix or a podcast. I often find my embroidery inspiration in what I'm watching or listening to.
An East coast native, I got my start at Halifax Crafters before moving to Kitchener. When I'm not stitching, you can find me at my day job as a web content strategist, reading YA novels, or binge watching my latest Netflix obsession.
Everything is created by me, by hand and I hope you love what you buy. While all sales are final, I really want you to be happy. If your item is faulty in some way, I would happily discuss a refund or exchange. Refunds and exchanges must be made within 10 days of receiving the product.
I'd also love to hear all about why you like what you bought. Nice reviews make me happy.
All payments are made through Etsy. Etsy accepts credit, debit, PayPal and Etsy gift cards.
I ship to Canada and the US using Canada Post. Items will be dropped off to the post office within five business days of ordering.
If you are paying by PayPal, I ship to your PayPal address. Double check that it's correct when processing payment so I send it to the right address (I've missed this step before). If you'd like your item sent to another address (yay gifts!) please let me know when processing payment in the 'notes to seller' so I can make sure it goes where it needs to be.
Shipping within Canada usually takes 5-10 business days depending on where you live.
Standard shipping via Canada Post DOES NOT include tracking, insurance or guaranteed delivery date. If you'd like these options you can upgrade when placing your order add the XPressPost shipping option or contact me. I can create a custom listing for you.
Shipping to the USA usually takes 2-3 weeks depending on where you live. All parcels must go through Customs and any import fees, duties and taxes incurred as a result of international purchases are the responsibility of the buyer. I cannot mark items as "gifts".
Etsy doesn't adjust shipping & handling if you are ordering more than one piece. I'll refund you the difference.
Every piece is designed by me and stitched by me. I work hard to make high-quality, lovely pieces, but keep in mind that each one is unique and organic by nature.
Unfortunately, I'm not able to do customized pieces at this time.
I'm not looking to do retail or wholesale at this time. I'd love to do it in the future, but right now my focus is on the shop and craft shows.
I'm in the KW area, do I need to pay shipping?
If you're in KW, we can definitely arrange for free pick-up or delivery. Message me before purchasing and we'll work something out. | 2019-04-21T02:06:41 | https://www.etsy.com/shop/hellopineapples |
WILSON, NC �Freshman shortstop Ryan Daughtry batted 4-for-4 and drove in six runs on a cold, blustery Tuesday afternoon as nationally 29th-ranked Barton College cruised past visiting Virginia State 19-5 in NCAA D-II baseball action.
Barton improved to 26-14 overall and has won seven of its last eight games. The Bulldogs will try to solidify the second seed for the Conference Carolinas Tournament when they travels to Erskine for three games on Friday and Saturday. The Trojans, who were hurt by six errors, exited Nixon Field at 13-22.
Daughtry was one of 10 Bulldogs to get hits in a 20-hit assault. Junior first baseman Ryan McCleney added a 3-for-5 outing with 4RBI, senior designated hitter Allen Corbett finished 3-for-5 and senior left fielder Jonathan Nichols went 3-for-4.
Zach Boyette, McCleney and Daughtry slammed home runs for the Bulldogs. Nichols, Corbett and freshman J.D. McCarty, a former Colonial Heights standout, doubled. Barton also swiped four bases.
The victors tallied five runs on five hits and two errors in the first and third innings for a 10-1 cushion. It added one in the fifth, three in the sixth, four in the seventh and one in the eighth.
VSU plated one run in the third, two in the fourth and two in the eighth.
Bentley Massey was the starting and winning pitcher. He went five innings, scattered five hits and allowed three runs (two earned). Massey (now 3-0) walked three and struck out four. Patrick Sherrill, Braxton Lewis and John Anderson also toed the mound for the Bulldogs.
Caleb Lee (2-3) started for VSU. He went three innings, allowed 10 hits and 10 runs and walked two. Dion Williams relieved for 4 2/3 innings and Jonathan Scott finished.
The Trojans were paced by centerfielder Brandon Chump, who batted 3-for-4. Michael Knight and Deshawn Showell added two hits apiece. | 2019-04-19T04:43:06 | https://www.progress-index.com/progress-index/news/1.1648/archive |
1 What Types Of Indestructible Toys Are Available?
12 Why Choose A Homemade Puppy Teething Toys?
Indestructible toys may be the best thing your heavy chewing dog needs, however knowing what you should be looking for in the kind of dog chews that are strong and safe for your dog is crucial too.
What Types Of Indestructible Toys Are Available?
They come in many forms and shapes, some of the dog toys are vet recommended dog chews while others are the best dog chew toys for aggressive chewers.
On the same not it is also important to note that indestructible dog chew toys do not only have to be dog bones chews for the aggressive dog chewers, sometimes best long lasting dog chews can be a choice for pet owners whose dogs are on the heavy chewing side.
In many cases, safety for the dog comes first for pet owners, so while considering the best-recommended list of toys for your pup, safest dog chews will definitely score high points.
As an example, puppies are known for chewing anything they can find in their way. While some of this chewing behavior can be attributed to other factors outside of the norms, teething puppies, for example, would be an exception.
With that said, you can find just about any type of the best chew toys for teething puppies. You can find best chew bones for puppies, all the way to plush chewing toys as the best puppy toys to keep them busy.
The Zogoflex Hurley Toy Bone.
The Goughnuts Indestructible Dog Toy.
The Chompion Heavyweight Chew Toy.
When the commercial pet toy suppliers cannot meet your safety needs in the toy range available for heavy chewing dog breeds, homemade puppy teething toys is also your best option.
This Giraffe dog rope toy is 16 1/2 inch tall, non-toxic, tasteless material, and washable. If you a teething puppy, you have to try this giraffe toy, it also helps cleans teeth and gums as your dog chews and plays.
The giraffe rope toy is made from food-grade dyes, safe and friendly for your pet and environ, safe to chew, toss, interactive and fetch play. Ideal for small and medium breed dogs.
The Nylabone has many benefits for pets, the toy is fun, flavorful chewy. It helps pet get through boredom, anxiety, destructive chewing, snack time toy.
It has a delicious flavor and complete satisfaction and helps with dog’s overall dental health. An ideal dog toy for teething, persistent chewing, destructive chewing, stress and anxiety, and bored dog.
This duck dog squeaker filled toy has a loud clear duck voice. This wild duck design has its way of appealing to dogs, and it is really fun for dogs. It is made from very quality superfine polyester fiber, and dyed with wild duck color, and looks fluffy on the surface. It is ideal for medium to large dogs, good for teething, health, and total satisfaction for your pet.
The Kong extreme dog toy is durable, and tough for heavy chewers, it has an enrichment that helps to satisfy dogs’. Specifically made for dogs from a durable and natural rubber, which can bounce around for a complate playful time for pets.
The toy can be stuffed with delicious bits of kibble and treats, or use the Kong snacks or Kong easy treat. It can also be frozen up for more challenges for pets.
The Zogoflex is a floatable and bouncy dog bone toy, safe and gentle on dogs. It can be thrown in the air because its lite weight, on into the water and can be washed using the dishwasher. Most importantly, it helps to keep dog physically and mentally fit, and also to occupy them to avoid chewing on other materials.
The Goughnut is an ideal play toy for dogs that loves to chew, it is very tough and almost indestructible said the manufacturer. It has two layers, the outer layer is black, while the inner layer is red, and if your heavy chewing dog can chew through and reveal the inner layer, the manufacturer promise to replace it.
The toy floats, excellent for throwing. Ideal for teething puppies and heavy chewing dogs.
The chompion dog chew toy is very durable, and it is made from natural rubber which allows your dog to chew heartily, healthly, while exercising and strengthening jaw muscles.
This ideal for large dogs of up to 60 pounds and up, expecially if your dog is an aggressive chewers. The bumps also help with cleaning off plaque on dog teeth, keeping it healthy and strong.
If you are looking for what an indestructible toy is the best thing for heavy chewing dogs, then this Tug toy will be an ideal toy. It is made from quality Linen and Cotton and Nylon material which makes it hard to tear. For small and medium dogs.
This flossy cotton-blend is really huge, strong and the best chewing toy for dogs. It’s really a playful toy for you and your pet. It is sturdy, long and tightly-knotted, good for dog teeth. Help clean dog teeth and remove plaques. Rope fibers floss dogs’ teeth as they chew and play. Made from cottonblend color materials.
This invincible chain is naturally solid and resilient, made from rubber and comes in three large rubber rings. You tug it, toss it, let your dog fetch it, and dogs can chew on it. It is durable and last for some time depend of your dog chewing power. Ideal for medium, large and giant breed dogs.
Why Choose A Homemade Puppy Teething Toys?
Kong puppy toys may not be the safe chew toys for all types of puppies, so the homemade puppy teething toys may appeal to those who are looking for stuffed dog toys for aggressive chewers.
If your puppy dog has the tendency of chewing their toys due to boredom or anxiety when they are left alone, you probably need to look into buying squeakless dog toys.
When our dog Tess celebrated her 6th birthday, we received a set of indestructible plush dog toys as a gift of goodwill from my mother in law. Tess, the dog loved this stuffed dog toy and was almost inseparable from when she opened it.
The downside of this new found love for our dog was that it was a squeaky type of good looking plush dog toy except we could not have a quiet time without hearing this ear piercing squeaking noise.
The point here is, if you are looking to avoid this dilemma, choosing squeakless toys would be ideal. Indestructible dog toys on Amazon have been improving over the years.
While there was an influx of Chinese made cheap knock-offs of trusted brands like Kong dog toys for heavy chewers, the brand monitoring technology on Amazon has completely removed or fake toy brands and that is good news to most pet owners who are looking for a good deal.
N-Bone Puppy Teething Ring Chicken Flavor.
Nylabone Romp ‘N Chomp Bone Dog Treat and Chew Toy.
Nylabone Just For Puppies Ring Bone.
Benebone Bacon Flavored Wishbone Chew Toy. | 2019-04-23T02:13:59 | https://www.kennelcamipato.com/indestructible-toys-heavy-chewing-dogs/ |
Searching for a new Mazda6 for sale near Greenville? With a large selection of new Mazda6 models in stock, Medlin Mazda has you covered. With an 8-inch MAZDA CONNECT 4 infotainment display and the available i-ACTIVSENSE safety suite, the new Mazda6 is redefining what a sedan can be. Browse our inventory of Mazda6 sedans in stock to discover the perfect one to drive home to Goldsboro.
Here at Medlin Mazda, our mission is to provide a simple and easy car buying process. To ensure you’re getting the Mazda6 price you’re looking for, we offer a number of rotating new Mazda specials and Mazda Incentives. To save time spent at the dealership, you can even get pre-approved for auto financing and calculate your payments all right here on our website. Once you’ve browsed our selection of new Mazda6 models for sale, it’s time to stop in for a test drive. Contact us today to schedule your visit to our showroom in Wilson near Rocky Mount, SC. | 2019-04-23T02:42:51 | https://www.medlinmazda.com/new-mazda-mazda6-wilson-nc |
NOVAK DJOKOVIC has reportedly been seeking spiritual guidance from Spanish tennis player-turned spiritual guru Pepe Imaz.
Imaz’s techniques include telling students to send ‘pleasant thoughts’ to a container of boiled rice as part of projects to better themselves.
The 42-year-old, whose Amor y Paz centre is in Marbella, is known for his unusual methods, which include long hugs for his students.
World number two Djokovic has raised eyebrows by bringing Imaz to the Paris Masters in place of Boris Becker, who has not been present at the tournament.
The Serbian player has grown closer to Imaz – who has been a member of his team for years – since his performance began to dip after claiming the French Open in May.
He soon crashed out of Wimbledon in the third round and failed to reach the US Open final.
Djokovic recently recharged in Marbella, near Imaz’s centre, following a shock defeat to Spain’s Roberto Bautista at the Shanghai Masters.
He combined training at the Puente Romano resort with yoga and strolls along the beach with his wife, son and parents.
The Serbian will be hoping to reclaim his number one spot from Briton Andy Murray at the ATP World Tour finals in London later this month. | 2019-04-20T19:12:41 | https://www.theolivepress.es/spain-news/2016/11/08/novak-djokovic-ggetting-closer-to-marbella-based-spiritual-guru-whose-methods-include-sending-pleasant-thoughts-boiled-rice/ |
It can be a real nuisance when the power goes out.
We’ve all been victims of power outages at one time or another, and whether they’re the result of a storm, lightning strike, or an accident, they can be a major disruption. No lights, no heating or cooling, no way to cook or keep food cold, the list goes on and on. There’s no need to be left in the dark, though, because a home backup generator will ensure your peace of mind.
Natural disasters are on rise.
Their obvious increase over the past few years has highlighted the dire need for electricity in times of trouble. Every household should have a backup generator to provide short-term electrical power for emergencies. In addition to providing comfort power outages, generators can also save you money by protecting your home from dangerous power surges, which can fry your appliances and electronics even if they’re powered off.
At M.R. Electricians, our experienced technicians can repair, maintain, and install the ideal home generator for your electrical capacity needs and your budget. As a trained distributor and installer of highly regarded Generac generators, we always guarantee quality products and service. When the next power outage hits your area, you’ll be glad you made a smart investment to safeguard your home, family, and expensive electronics.
We make it easy to protect your home.
A permanently installed Generac backup generator protects your home whether you’re there or away. It kicks in automatically as soon as your house goes off the grid and seamlessly keeps your electricity running. Fueled by natural gas or liquid propane, it delivers power directly to your home’s electrical system, backing up your entire house or just the most essential items. And forget about extension cords, because Generac home backup generators safely deliver power right to your home's electrical panel.
With the installation of a home standby generator, your lights, heat, air conditioning, refrigerator, computer, and entertainment systems will keep humming along.
Contact M.R. Electricians today and get the peace of mind you deserve, regardless of the weather. | 2019-04-20T09:17:12 | https://www.mrelectricians.us/generators |
SKU: MC816. Category: Sold Items.
Unfortunately we can’t find a signature on this beautiful painting. | 2019-04-24T13:50:55 | http://mostlyclocks.com/product/beautiful-pastel-painting/ |
The friendly, professional staff at VCA Cabrera Animal Hospital is made up of dedicated individuals who have made it their mission to help your pet live long, healthy lives. Most of our team members have been with the hospital for 5+ years, and your pets have become part of our family. Everyone on our team is a pet owner, and we have several team members that are involved in pet groups outside the hospital such as rescue groups, agility training, obedience training and conformation.
By being part of the VCA family, we have access to veterinarians all over the country and in all specialties that your pet may need.
We want you to feel that you are part of our family, and our staff will try to make you feel this way from check-in to check-out. We also always advise our clients to give us a call with any questions they may think of after they leave.
We would love to meet you and your pet. Call us today and make an appointment to meet our loving staff. | 2019-04-22T11:59:16 | https://vcahospitals.com/cabrera/team |
While Ben, and many of his readers, are preparing for (in some cases, multiple) trips to Beijing from Washington in American Airlines business class thanks to that now-famous mistake fare, I suspect I’m not the only one among you who purchased tickets from LAX (or other West Coast gateways) to Madrid as a result of the great SkyTeam Fare War Sale of 2014.
I’d never been to Madrid before, so I was excited to spend a few days in a city known for its food, culture and history. I was traveling with a friend of mine, and when we initially looked into our hotel options, we noticed that some of the best options out there lacked rooms with two beds, and those hotels that did have twin beds (and I mean twin beds — rooms with two queen beds in Europe are rarer than, say, taste and understatement are in Dubai) were disproportionately expensive.
There is a distinct lack of internationally branded chain hotels in central Madrid, other than the InterContinental, a handful of “AC”-branded hotels which are part of Marriott’s Autograph Collection and, notably, one of the grande dame hotels of the city, the Westin Palace Madrid. It’s worth noting that hotels in Madrid are not as exorbitantly priced as hotels elsewhere in European cities, and with the Euro at historical lows, you can easily stay at a luxury hotel for under $250 a night.
While the Westin offered rooms with two single beds, we ultimately decided that the location in the touristy museum district and the fussy, old-school decor of the hotel weren’t our style for the trip.
I’m a Hyatt loyalist (though I do have membership in SPG), so with no Hyatts to be found, I didn’t feel any particular need to stay in a hotel out of points, either on the redemption or the earning side. Madrid is in some ways the perfect city for people to step out of the hotel loyalty box.
A few other independent luxury hotels are new to Madrid and look sensational, like the quizzically-named Only You Hotel & Lounge (which, to boot, was a steal at under $150 a night), but in most cases these hotels didn’t even offer two beds to a room.
On a previous trip to Barcelona years ago, I shared a rental apartment with a friend and had a good experience, so I looked around online for apartment rentals in Madrid and was totally blown away.
In the U.S., you may be able to find a few well designed rental apartments in major cities, perhaps on Airbnb. But Europe is flush with stylish, large, and centrally located rental apartments aimed purely at the visitor trade. Though there are a number of rental agencies, we liked the options we saw through a rental agency called Letsroom.
Ultimately, we rented an incredible apartment with high ceilings, period detailing, beautiful balconies overlooking the Tribunal Supremo (Supreme Court of Spain), a stylish kitchen, and two big bedrooms with well-equipped bathrooms, for a total of €200 a night (or the equivalent of about $210 at current exchange rates), which was not just competitive with most hotel rooms, but would offer us a great deal more space as well as individual bedrooms.
For us, the apartment worked out great, but there are some pros and cons of apartment rentals versus hotels you may want to consider before your next trip to Europe.
Bang for your buck (or Euro). Many very well-outfitted apartments can be had for a fraction of the price of a luxury hotel. Given that there are two- and three-bedroom luxury apartments regularly available for well under (and in some cases much well under), say, $350 or $400 a night in Madrid (and elsewhere), rental apartments can be the only practical option for a group of friends to stay under one roof without paying for multiple hotel rooms or an exorbitant multi-bedroom suite. Even if it’s just you, or you and a mate, you might appreciate the extra space you’d get out of an apartment that you wouldn’t in a cramped Euro-style hotel chamber.
Live like a local. Many European hotels, particularly those belonging to worldwide chains, are located in business or cultural districts. That can be fantastic if you’re in a city for business purposes, or if you’ve come to a city only to see museums and department stores. For instance, the Westin Palace Madrid is directly across from the famed Prado museum, so if your goal is to bounce out the hotel door and into a tourist attraction, you’re golden. However, I love exploring a city’s vibrant neighborhoods, testing the pulse of local nightlife and eating in neighborhood restaurants, and many short-term rentals are located smack dab in the middle of the “fun” parts of town, as ours was.
Come and go as you please. Not that either of us were traveling anonymously or secretively, but it was lovely to be able to run errands, walk around, return to the apartment whenever we wanted, leave early for a morning walk or just hang out without interacting with staff, housekeeping, doormen, etc. every time. Of course I love a warm hotel staff as much as the next guy, but sometimes it’s nice to be able to not worry about housekeeping waking you up.
It feels more like home. (Almost) everybody loves a hotel, but there are certain creature comforts in being at “home” that an apartment can provide. Our apartment was equipped with a washer/dryer and high speed internet that didn’t involve typing a code every 24 hours. Our closet and storage space was enormous and we were able to unpack without feeling like we were living out of a suitcase. We stocked the fridge with beer and soda, made coffee every morning, and would come home with bread and cheese and wine for an early evening snack.
Lacks that hotel “feeling.” One of my very favorite aspects of travel is staying in hotels, particularly ones that are imbued with a history, charm or luxury that are very “of the place.” You just feel pampered when you’re greeted at the door, when your bed is made twice a day, when you’ve a chocolate mint on your pillow. At an apartment, you’re pretty much on your own (though the agencies will provide extra services upon request).
Toiletries? This is a minor issue as far as things go, but we’d somehow assumed that the apartment would be stocked with shampoo, conditioner, body soap, etc. (as rentals sometimes are in the United States). Our apartment was not. It wasn’t a big deal to run out to the drugstore and pick some basics up, but there’s something so reliable about never needing to pack those basics when you stay at a hotel.
Hotels have insider knowledge. A hotel concierge is one of my favorite resources in any new city. They can not just make dinner reservations and provide you with maps, but they are an important link to the city, and are filled with tips and advice that can prove invaluable when you are foreigner wandering around in a strange new place. If you don’t have local contacts otherwise, renting an apartment can leave you without that peace of mind. However, if you’re good to go with a guidebook or some blog recommendations, then you might not miss a concierge at all.
No onsite restaurant or bar. Not a huge deal for me, but sometimes one of the great pleasures in staying at a hotel is a pre-dinner cocktail at a lobby bar or a lavish hotel breakfast. You can certainly walk out your apartment door and find a nearby bar or bakery to fill that void, but if you value the immediacy of food and drink (and room service) then an apartment may not be for you.
No points! Ben may ban me from this blog forever if I don’t point out the obvious — that you can’t (yet!) earn points from staying at rental apartments and you can’t (yet!) redeem them for aspirational stays. Very true! But given the runaway success of companies like Airbnb, I wouldn’t be surprised at all if Airbnb started a loyalty program at some point.
You may be a regular reader of Ben’s blog because you’re a hotel nut, but if like me you’re “hotel neutral,” but simply accustomed to staying in hotels as a matter of course, it may be worth looking into rental apartments in certain situations, in particular when traveling with friends (especially with multiple friends), staying in cities without good options in the Hyatt, Starwood or Hilton universes, or staying in places (such as ski resorts, for instance) where the price differential between an apartment/condo rental and a hotel is enormous (e.g., luxury ski hotels can easily run $1,300++ a night for even a basic room, whereas ski condos can rent for $400/night just next door).
As for me, I loved our apartment in Madrid, which I thought was perfectly located, extremely comfortable (seriously, with beds to rival a Four Seasons), nicely decorated and an absolute bargain.
Is Marriage The Solution To Pilot Suicide?
I’m not sure about the ‘come and go as you please theory’. I’ve only stayed in an airbnb once but I didn’t actually feel as comfortable coming and going – every time I did I had to go past the door of someone who I think was the owner/caretaker/security for the building, and he used to separate the blinds to see us. The host had told us to be discreet and not tell people that we were renting the apartment, so I assume she wasn’t supposed to be renting it out. The apartment was lovely in every other way and nobody caused any issues, but it just made me a bit less comfortable coming in and out than I would have been in a hotel.
Very interesting outcome. I used to live (briefly) in Madrid, and it is one of those cities where if you will look past the chain hotels, there are much more affordable hotels, that are simpler but still really nice. I admit I don’t know of an online resource I would really trust to choose a Madrid hotel for me.
Your apartment seems to be a home-run winner, but that price seems pretty steep, considering the economy in Spain. There are plenty of other places to visit for €200/night. I flat out would not pay €200/night in Madrid, unless I was splitting the €200 cost with someone else. Then that apt. becomes a first choice.
But two twin beds are pretty common, of course.
Honestly I much prefer airbnb to hotels. Free wifi, better check-in and check-out times, better locations, and better prices. Yes you don’t get status or points, but to me it is still worth it.
I think there is some confusion about how apartment renting works in Europe. There are company’s that buy lots of apartments in a normal residential block. So you rent from that company almost as if it was a hotel just with much more room. You don’t rent through someone renting out their own apartment as you would airbnb. That means you can come and go as you please. The really large companies may have a desk at the front but that person is often out and about sorting out things. The prices are amazing. Here In the Uk the price is not much more than a hotel and a two room apartment is usually cheaper than two rooms. With of course much more room. Because of this I gave up on hotel rooms I long time ago.
OT but @john galbraith what agency would you recommend in London. Thanks.
Ever since I lost status with hotel chains (and I don’t make an effort to retain it anymore given my travel pattern) I started using apartment rental sites more and more. So far I’ve only made very positive experiences and would recommend it to anyone – and I say anyone since there is a wide variety of kind of apartments to rent.
You should look into NH/Accor/Melia if you just wanted a chain hotel in Madrid. No strong points earning but reliable properties. Also, Priceline/Hotwire and the Radisson Blu.
We’re a family of four and thus often go the rental apartment route. It does generally take some more work to find a good apartment vs just booking a hotel but for me the research/trip planning is just part of the fun.
It was funny to pull up this post because we stayed in that exact same unit for a week when we were in Madrid in February and loved it. The Chueca neighborhood is great (did you check out Mercado San Anton?) and the location of that unit isn’t touristy at all but but still has great access to everything you want. My kids loved the park at the end of the block and there was even easy access to a Starbucks.
@takke: Next time you use AirBnB, restrict the search options to “entire place” only. That excludes all the rooms in shared apartments, and you’ll find that usually many people rent their whole apartment. Of course it costs more, but you get the privacy lacking with shared rentals.
Another good place to look is HomeAway, which has listings all over the world, usually from individuals with a place to rent (i.e., not rental agencies). In general, especially if I’m staying in one place for several days, I much prefer an apartment or house over a hotel – and that’s especially true if I’m with family. Having a kitchen to prepare meals saves a *lot* of money over restaurants – which is not to say we don’t go out to eat, just that we eat in a few nights of, say, a week-long stay.
I never use concierge services, I don’t care much about hotel points, and I really don’t need to feel pampered by hotel staff – and typically, except at very expensive places I don’t feel pampered by hotels anyway. An apartment typically has some touch of character from the owner’s possessions and it’s great to talk to them about their city. Finally, be sure to ask about things like soap, shampoo, towels and kitchen appliances (coffee maker, microwave, washing machine, etc) – never assume that an apartment has everything that your own place has! Both AirBnB and HomeAway list exactly what you can expect the place to include, and always allow you to contact the owner with questions before you book.
“the Euro at historical lows” ?! Man, you must be young. Just 10 years ago the Euro was hovering around 75 US cents.
No international chains? How about Melia? They might be small in the US, but they are huge in Spain, and have a large footprint in Brazil, the Caribbean, Portugal and Germany.
@Ron: You’re way off. The lowest the Euro has ever been (since it actually went into circulation) was around 87 cents back in January 2002, shortly after it was introduced. It has been above the dollar since November ’02. Ten years ago, in April ’05, the Euro was worth $1.29. Currently, the Euro is at its lowest point against the dollar since April ’03. So yeah, this isn’t the lowest the Euro has EVER been, but it’s essentially the lowest it has been since the Euro’s first year of circulation, when it was still being phased in.
My experience with Air BnB rentals has been that they usually offer toiletries and will specify in the description – or of course, you could ask. Also, the places we rented had recommendations for restaurants and local spots from the owners. Either in person, or in a book in the apartment, or both.
Have stayed at a Letsroom apartment since the CSR was released? Curious if they code as travel (VRBO does NOT). | 2019-04-21T11:15:22 | https://onemileatatime.com/apartments-vs-hotels-in-madrid-and-elsewhere/ |
Monday, September 5, 2016 8:00 AM.
Course: The Weed Park trail; out and back; flat and fast.
Entry Fee: $15 through September 1st. $20 late registration. T-shirt included. Register early; every effort will be made to honor your request, but cannot be guaranteed. | 2019-04-24T20:01:02 | http://www.muscatine.k12.ia.us/news/district/muskie-5k-run-september-1-2016/ |
Went to have a look at this old one the other day. As we stepped on board the broker put a hole in the cockpit. At that point our offer halved. The deck needs to be blasted and epoxied. My main concern is the damage outweighs the saving and it may take a lot longer than anticipated. Were offering 10k. Is it worth the effort to survery and fix up knowing that were actively looking for a project boat? We like her but she needed a bit of work and now with the new cockpit information she may need much much more.
for me, this boat is no longer a "she" but an "it"
Hi, IMHO if you paid 10 for it you will probably have to put another 20 into it whereas the same amount of money spent wisely would give you a far better boat almost ready to go. Check out the thread boats under 30 grand.
There is a 39’ Breuce Roberts sitting in our boat yard. For sale for a while, not moving. Very nice pilot house design with a very odd interior that would work for us but not normal people. I thought I might offer him $20k.
All stuff I can do and afford. I did a back of envelope estimate.
I’ve done a lot of estimating in my life, I’m not too bad.
The labor was the killer. I don’t want that kind of labor investment. At 68 I’ve other things to do with my time.
Now that was a fair bit nicer boat than the one you are looking at.
LOL, welcome back Juggles. First of all I think you need to get your hearing and eyes tested. You were given sooooo much advice in your last thread about what to avoid when looking for a boat yet you seem to insist on finding the worst boat you can and falling in love. That Columbia 34 I recommended is a 100 times better that this yacht. Did you say the owner is giving you 10k to take her away? Even then I would hesitate to touch her. What is the resale on a 54 year old steel yacht? I am not a boat broker but I bet it is close to zero dollars unless a woody duck like yourself appears. Just getting the rig back into shape is going to be 10k, that mast looks like it has not seen any maintenance in years? The interior steel work at the bow looks good but what is behind the rest of that bl**dy awful interior?
I can see why you said in your last thread that you clash with your father. He must be shaking his head at this gem you found. The end of the day Juggles just buy the yacht get burnt out and scrap her or spend way to much restoring her and ending up giving her away for 5k. Then you might start listening to the wealth of advice being offered on this forum. You could also start another thread “People who brought a steel wreck and actually went cruising” it would be interesting to see how many success stories there are.
I would give that one a pass...just my .02.
The engine in the '65 Phillips might be worth $5K. (Half your original thought of offering $10K.) If the cockpit sole is rotted through, (in several places!) water is getting inside the steel hull in places that are not easily accessible. Rust never sleeps. Maybe that would make it easier to get the engine out - it might fall out the bottom if you have the boat hauled. Are the deck/cabin trunk steel or ply? Mediocre interior woodwork also shows signs of water ingress. The few pictures of the rigging are not reassuring: aged and rusty. Perhaps you could use the engine in another boat that was a better prospect. This one, when new, might have sailed well enough, but to get it back into use sailing might cost more than building a new boat. It doesn't seem to have a pedigree (Sparkman & Stevens,Nicholson, Reichel-Pugh, Fife, Holland, Van de Stadt...) worth that much investment. Or that much time.
The DIY plywood and polyurethane interior looks (to me) like it needs to be gutted to the hull. The DIY electrical and cables would lead me to be suspect of 100% of the electrical.
If it were just grinding and painting that would one thing. The lack of maintenance on every observable system leads me to believe that everything will need to be maintained or replaced.
This is a great way to invest 50K+ into a boat that will be worth 20K when you're done.
To me, a project boat is one that appears 'ready to sail' until to you get into it. Anything billed as a 'project boat' is typically a means to get you to pay someone to haul away their garbage away for them.
You probably need to get some practical experience. Buying this boat would give you that, but at a huge cost in money and thousands of hours of labor.
Yeah to be honest that was my general thought that it was too far gone but figured I'd check anyway. Thanks guys.
It's great that you have the ambition to take on a project boat, but trust anyone who has actually done it - almost ANY used boat is a project boat.
Find something in the best condition possible for what you can afford, and plan on spending at least the purchase price over again in repairs and refurbishment. They all need work, but anything with rotted deck laminates, completely trashed out cabins, repeatedly patched up electrical systems, or rusted steel hulls is a HUGE project. HUGE. Almost a black hole of work. It can be done, no doubt, but it is a LOT of work, especially for someone with no specific experience.
There are a lot of boats on the market, but I'd leave the bottom 1/3 of the used boat market alone - if you actually want to finish the repairs, and still have any money, time and inclination left to sail it in the next 3 years. Don't start at the bottom of the market and work up - start at the middle of the used boat market and work up. Those are truly the best bargains, money and time wise, in most cases. Refurbishing a used boat and implementing your own custom ideas is a great experience, but you really need to start with something that is not just a black hole of problems.
Good luck & check out some of the specific used boats others have mentioned in this and other threads.
Yeah I did enquire about it the seller wasn't willing to deal with transport and then when I went about it myself I was quoted 9k. It seemed ridiculous at that point to deal with a grumpy seller and that transport cost. It's not that I'm not listening to what's being said I'm just having a tough time finding something in dinky Adelaide the home of small fishing boats it seems. I never even looked at the bloody mast. For the love of God that was dumb. And to be honest I found the interior kind of charming and quaint albiet messy. To be fair I'm not after a forever boat as long as it lasts five years I break even and have enough to buy another. You're right though about the "how many people bought a wreck and went cruising" I can be far too ambitious sometimes forgetting the limitations or reality haha. Thanks for pulling me back down to earth.
Thanks. I have decided to up the budget for initial outlay and decrease the repair budget. This is also due to the time factor. The sooner the boat is done the sooner we get to quit our jobs so three years? Not so appealing haha.
I figure I've learnt everything else in life by muddling through, asking learned friends or using YouTube lately so I'd do the same here with the boat. I learn best and quickly by being thrown in the deep end with no way out but through. Gotten amazing results in life so far(hence being able to quit at 30 and do this) Noticing in the boat regard though should probably look at how deep that deep end should really be.
3-5 years ago my best mates friend offered me a 30 or 32 footer free. Included a rig that needed raising, a new Penta that needed installation, a sound vessel.
I don't know whether I should have gone that way or whether I'm doing correct and waiting.. She'd beat like a dream.
That boat looks rotten. Some fruit you can't eat.
My mates friend isn't an idiot.. He had medical issues and knew ownership with very good respect.
To buy a boat is to purchase the responsibility to maintain a vessel.
I believe she was gifted to a sailing club to be continued with the gift of love. I don't understand why people neglect a tool that will keep them alive in a location they'd otherwise not survive.
She looks like lots of work.
I know not much. Best trick I learnt is to double hitch a clove hitch.. Enables the storm covers to tighten and knot against loosening. | 2019-04-21T10:26:58 | http://www.cruisersforum.com/forums/f67/charming-old-girl-215959.html |
RMT is joining forces with transport unions from across Europe on 27 March 2019 in Brussels for the culmination of the Fair Transport Europe campaign.
Please see an attached invitation for the Bob Crow Anniversary Event, which is taking place at Millwall Football Club on Saturday 8th June 2019. This is a ticketed event and numbers will be limited (tickets are free). Please let the Branch Secretary know by Tuesday 7th May if you wish to attend.
Demonstrate on 26 February: clean up outsourcing!
RMT London Transport Regional Council is uniting with three other unions organising outsourced workers for a day of direct action against outsourcing.
Along with the Independent Workers’ union of Great Britain (IWGB), the United Voices of the World (UVW), and the Public and Commercial Services union (PCS) branch at the Department for Business, Energy, and Industrial Strategy (BEIS), RMT members will demonstrate on Tuesday 26 February to demand rights for outsourced workers, including direct employment. | 2019-04-20T04:36:27 | https://rmtlondoncalling.org.uk/categories/meetings-and-events |
Tag Trinidad and Tobago has 197 photos. Like this tag? Subscribe to it to get live updates. | 2019-04-19T04:57:10 | https://www.jungledragon.com/tag/11990/trinidad_and_tobago.html |
The Victorian Fireplace specialises in the restoration of period fireplaces within their own dedicated workshops and is able to renovate antique fireplaces from all periods from cast iron, wood, marble and slate, even tiles can usually be restored to their pristine glory!
Despite being in use for 300 years or more, surprisingly enough marble and slate are quite delicate materials and can be difficult to maintain in a pristine condition. Our skilled craftsmen will carefully clean them using non abrasive cleaning solutions to remove years/centuries of grime before carrying out any necessary repairs. Sourcing marble can be difficult but we have our own extensive stock as well as spare marble chimney pieces, so in the majority of cases we are able to match the design and colour!
Cast iron fireplaces can be sand blasted to remove dirt, extensive damage can be removed and replaced with other original spare parts or even refitted with up to date grates.
We can usually repair fireplaces that many would deem beyond repair as we hold an enormous number of spare parts from fireplaces that were either rescued or beyond repair.
If you have a much loved period fireplace that needs some tender care please feel free to contact us for free advice without any obligation! | 2019-04-18T16:33:04 | http://victorianfireplace.co.uk/Fireplace-Restoration-Victorian-Antique-Fireplaces-Stoves-Kent.shtml |
Shop below or for custom orders please follow and DM @hamptonsbymatt on Instagram.
© Copyright 2018 Matthew Barton Photography. All rights reserved. | 2019-04-20T19:04:01 | https://www.hamptonssurfcompany.com/matthew-barton.html |
Quick Fix Appliance Repair Nursery offers Dishwasher Repair Nursery. Our Customer Service representatives are standing by to help you with your Dishwasher problems.
For quick, professional, affordable, and friendly service today, give us a call. Dishwasher repair Nursery is our legacy. You won’t be disappointed.
We repair all brands and models. Our technicians do it all: Dishwasher repair Nursery, Dishwasher service, Dishwasher not draining repairs, Dishwasher not starting repairs and Dishwasher maintenance. Our main goal is to provide same day appliance repair and affordable appliance repair Nursery.
All of our technicians are thoroughly trained, experienced, and professional, so say goodbye to unsatisfactory service and high prices. If you need dishwasher Repair Nursery, call us today.
If you need a Dishwasher Repair Nursery in Houston, we understand the importance of getting it fixed. A broken dishwasher causes either a lot of hand washing everything or a sink full of soiled dishes. If you have a Dishwasher not draining or any other related problem, act fast.
You can count on us for quick service. We understand that Dishwasher repair Nursery are a necessity, especially if you use it often. We offer local Dishwasher repair Nursery to bring you fast repairs.
When your Dishwasher refuses to cooperate, it can be very frustrating. If you need any Dishwasher repair Nursery, call Quick Fix Appliance Repair Nursery today.
Dishwasher Service. Dishwasher Problem. Dishwasher Not Working. Dishwasher Broken. Dishwasher Not Draining. Dishwasher Won’t Start. Dishwasher No Heat. Local Dishwasher Repair Nursery.
AFFORDABLE: You can count on us for affordable appliance repair Nursery.
Quick Fix Appliance Repair Nursery will waive the service call upon your agreement to allow us to do the repair. You are only responsible for labor and parts! Our appliance technicians will provide you with a Dishwasher Troubleshooting Diagnostic specific to your unit.
Dishwashers pretty much all work the same way. In order to understand how they work, there are three areas that you need to understand: The pump and motor system; The solenoids, valves, switches, and controls, and; The interior. Since dishwashers can be so complicated it is often best to leave repairing them to trained technicians unless you understand them completely. Appliance Repair Houston Authorized Service is LA’s premiere Appliance Repair Nursery Center. If you are in need of Appliance repair Nursery in the LA area we are the ones to call. We have been proudly serving the LA area for years. Appliance Repair Nursery offers Appliance repair Nursery free estimates. Our excellent customer service and friendly staff makes us the best choice in appliance repair and service. Call Appliance Repair Nursery today or schedule online. | 2019-04-20T04:58:12 | https://quickfixappliancerepair.com/dishwasher-repair/Nursery/ |
black wood steering wheel spec d sw 112b w sd interior steering wheel amazoncom luisi italy imola mahogany wood racing vintage steering luisi italy imola mahogany wood racing vintage steering wheel mm inch black spokes handcrafted.
black wood steering wheel 84 89 blackwood and leather steering wheel black wood steering wheel cover with hand grips by grand general black wood steering wheel cover with hand grips by grand general.
black wood steering wheel bi premium design steering wheel medium gray leather and blackwood grip nrg deep dish series steering wheel deep black wood grain black nrg deep dish series steering wheel deep black wood grain black.
black wood steering wheel nrg black sparkle wood steering wheel mm black spokes of free shipping nrg black sparkle wood steering wheel mm black spokes hole hub.
black wood steering wheel custom accessories deluxe steering wheel cover blackwoodchrome 35710 wood steering wheel cover steering wheel cover grip black wood steering wheel cover black brown tan leather wood steering wheel cover cap protector glue for wood steering wheel.
black wood steering wheel grazio japanese blackwood steering wheel finally installed img1702jpg nrg mm wood grain wheel with matte black center steering wheel st nrg mm wood grain wheel with matte black center steering wheel stbk.
black wood steering wheel luisi italy imola mahogany wood racing vintage steering wheel 310 mm 1220 inch black spokes handcrafted black leather wood steering wheel cover mercedes benz w black leather wood steering wheel cover mercedes benz w e w c.
black wood steering wheel 14 wood steering wheels wood steering wheels forever sharp steering wheels 14 black leather wood steering wheel cover cap mercedes w s black leather wood steering wheel cover cap mercedes w s e e e.
black wood steering wheel 1963 1982 gm chevy corvette wood steering wheel with black center also fits bi awlsde premium design medium gray leather steering bi premium design steering wheel medium gray leather and blackwood grip.
black wood steering wheel 380mm steering wheel wood flat in car steering wheel for classic car retro chevrolet camaro parts a gt retro light gt retro light wood steering wheel kit black standard hub black.
black wood steering wheel close nrg classic wood grain wheel mm black spokes glownthe nrg classic wood grain wheel mm black spokes glownthe.
black wood steering wheel get quotations nrg wood grain steering wheel blk leather 350mm w wood accents 4 wood spokes c corvette blackwood steering wheel corvette mods c corvette blackwood steering wheel.
black wood steering wheel 5 string banjo 155 black billet steering wheel kit half wrap with horn button ezgo rxv steering wheel wood grain w black adapter steering ezgo rxv steering wheel wood grain w black adapter steering wheels steering suspension shop all profit.
black wood steering wheel aotomio black universal steering wheel cover deluxe fits 155 16 inch large size light nrg mm wood grain wheel with matte black center steering wheel st nrg mm wood grain wheel with matte black center steering wheel stbk.
black wood steering wheel 1967 1968 pontiac dark wood steering wheel kit arrowhead black hub firebird gto amazoncom pontiac dark wood steering wheel kit arrowhead pontiac dark wood steering wheel kit arrowhead black hub firebird gto.
black wood steering wheel new world motoring 14quot real pine wood steering wheel w black chevy horn for amazoncom gm chevy corvette wood steering wheel with gm chevy corvette wood steering wheel with black center also fits.
black wood steering wheel .
black wood steering wheel mercedes oem wood steering wheel perforate black leather w212 e350 e550 e 09 12 black leather wood steering wheel for toyota runner black leather wood steering wheel for toyota runner sequoia sienna tundra camry previa.
black wood steering wheel innovations 3 spoke 350 mm reinforced slotted black wood grain steering wheel with black matte spokes amazoncom mm black wood steering wheel with chrome spokes and mm black wood steering wheel with chrome spokes and gmc horn button.
black wood steering wheel 14 inch black steering wheel with dark wood grip and slotted spokes black wood steering wheel cover with hand grips by grand general black wood steering wheel cover with hand grips by grand general.
black wood steering wheel grip royal steering wheel fifty black 350mm black woodleatherchrome spoke deep empi classic dark wood steering wheel empi classic dark wood steering wheel.
black wood steering wheel black steering wheel wmahogany wood wrap nrg wood steering wheel mm chrome spoke center chameleon nrg wood steering wheel mm chrome spoke center chameleon sparkle.
black wood steering wheel nardi 5069352000 deep corn mahogany wood steering wheel black spokes image8 billet steering wheels half wrap wood walnut starfire string banjo black billet steering wheel kit half wrap with horn button.
black wood steering wheel new nrg 3deep dish galaxy black wood steering wheel neochrome rst 036bsb nrg mm deep dish hole sparkle black wood steering wheel neo nrg mm deep neo chrome steering wheel spoke center sparkle wood stbsb.
black wood steering wheel black leather wood steering wheel for 2003 2009 toyota 4runner sequoia sienna tundra camry previa nrg mm wood grain wheel with matte black center steering wheel st nrg mm wood grain wheel with matte black center steering wheel stbk.
black wood steering wheel 1990 1996 nissan 300zx 350mm black wood titanium steering wheel with hub adaptor amazoncom cla wood steering wheel cover woodblack automotive cla wood steering wheel cover woodblack.
black wood steering wheel universal 380mm 15 inch classic wood steering wheel with rivet black wooden racing car steering wheel nardi nd classic mm wood black spoke steering wheel nardi classic wood steering wheel mm mahogany wood black spokes kbaabe.
black wood steering wheel inch black wood steering wheel state trucks inch black wood steering wheel.
black wood steering wheel pirate ship steering wheel black wood 36 nrg innovations rstbkbk spoke mm reinforced slotted innovations spoke mm reinforced slotted black wood grain steering wheel with black matte spokes.
black wood steering wheel w210 wood steering wheel nrg deep dish wood grain series steering wheel mm spoke home interior steering wheels nrg wood grain series nrg deep dish wood grain series steering wheel mm spoke black center brown.
Edit "Black Wood Steering Wheel" | 2019-04-25T14:31:42 | http://senegalmags.info/black-wood-steering-wheel/ |
Food is a regular topic for discussion in Cohub and everyone has their favourites. So here is a list to help newcomers get started. Let us know if you think we’ve missed off a great place to eat and let us know your thoughts on your favourite Eastbourne eatery.
A charming little wine bar located in central Eastbourne. A great place to go for lunch or dinner. A fantastic list of wines, light bites and bigger meals.
Eastbourne has a fair few Italian restaurants, some better than others. La Locanda is located next to Pomodoro and is the posher of the two. Service is a lot slicker in La Locanda and the menu items will be more high end.
I’ve heard a lot about this Thai restaurant but have yet to go myself. It makes the list though as so many friends have all reported back with rave reviews. The menu looks very interesting with lots of Thai soups, noodles and curries.
Another choice for lovers of Thai food is Thai Brasserie, just a stones throw from Cohub it is a favourite for those looking for a fancier lunch or a nice dinner. The sweetcorn cakes and the salt and pepper squid are highly recommended.
A bit stuffy and in need of a little modernising, but this more formal restaurant is good for those wanting seasonal, high-end food. Located in Eastbourne’s poshest hotel The Grand Hotel, the menus regularly change so it’s worth researching on their website before visiting.
A fantastic little vegetarian restaurant that opens for lunch and dinner, booking is advised as the restaurant is small. The food is great and they specialise in providing a small menu that changes very regularly.
A casual Turkish restaurant towards the seaside road part of town. In all honesty I have never ordered anything other than the kebabs from Meze. They are well presented and give you that gourmet style version of the more well known fast food version.
Everyone in Eastbourne will have their own idea of which Indian restaurant is the best and it changes surprisingly often. On a recent visit I was really surprised at how good the whole meal was, so giving this a shout out, however Tuk Tuk and Ashoka are well respected.
This Indian restaurant located towards the seafront area of town is great for those wanting that street food, small plate style of menu. Tuk Tuk also serve Thali’s which are very popular.
A Well priced Italian restaurant located in a nice street in Eastbourne close to the theatres and seafront. The window seat is a great place to people watch through the curved glass.
Probably the best tapas in town, arguably followed by Tres Amigos. Your dishes are nicely presented on tall tree like plate holders so you can easily order dishes for the whole table and all tuck in and share food with friends.
Probably Eastbourne’s most popular Italian restaurant. The menu rarely changes but it is done very well. I recommend the deep fried zucchini starter. My only issue is the service can be hit and miss, I was once told I was late when I’d been patiently waiting in a slow moving queue to get in and another time they overbooked and we were seated between two large groups of people on big tables.
A warm and cosy pub style steakhouse in Eastbourne’s Old Town, the food and service has always been great and from what I remember it is good value for money for a steak dinner. They often do great set menus if you’re looking for a good deal.
Not heard a bad thing about this great value Italian restaurant. It seemed to just storm to the top of TripAdvisor quickly after opening. The Focaccia’s are definitely worth a try.
Probably Cohub’s most popular lunch spot and coffee house because its close, has great coffee, great food and you can work from here very easily. The menu is very impressive and they clearly take a lot of pride in aiming to be the best place for good quality, modern food and coffee. The smashed avocado on sourdough is very popular.
You can easily work from Beanzz on your laptop or notepad. Beanzz have a small menu but their sandwiches and paninis are done very well and for me. Unless anything changes, they serve the best coffee in town, bold statement I know.
With Bills you know what you’re going to get, it isn’t cheap but it is consistently good food with great service. The bloody Mary goes down will with breakfast after a late night.
Mixed reviews regarding service for this beachfront restaurant with amazing panoramic views. I myself have never had an issue. The service has always been good and the food is great. Go to items are the Avocado on sourdough with chilli salsa and optional bacon or the smoked haddock chowder.
Eastbourne’s newest lunch spot. A husband and wife business with a great team I really want this place to do well. The signage and interior is done really well and the menu is small but regularly changes. Skylark also serve coffee from a semi-local roaster called Cast Iron which is a big plus.
Owners of award winning Bexhill Farm Kitchen opened this small lunch spot with a really friendly team making it very welcoming. The value for money is crazy, for less than £4 you can get yourself a doorstop sandwich and a naughty treat. They have the best bread around with award winning sourdough and white tin. The almond croissants are hard to resist! Poppyseed is also a short walk from the Cohub office.
A short walk from Cohub, Relish looks the part, this trendy little sandwich shop serves a menu that rarely changes but their are plenty of supporters of Relish who often go for lunch. Their market chorizo roll and brownie are fantastic.
I need to revisit this Italian lunch spot as I haven’t been for a while. The people here are friendly and happy all the time, plus its walkable from Cohub. They serve great pizza and cold or warm buffet items.
A vegan lunch spot that appeals to all diets as it’s so fresh and filling. It’s located in the Enterprise centre next door to Cohub so very close for a healthy lunch. I recommend the small salad with hummus…It isn’t that small!
For me Roots is the best full English breakfast in town (highly debatable as everyone has their favourite). I pass Roots on the way into the office and a few of the Cohub members regularly do a breakfast meet up. Roots also sell eggs, veg and some handmade items.
I haven’t been but this cafe is apparently packed almost as soon as it opens. Don’t expect anything crazy, just a proper classic full English breakfast with a good cup of tea.
Much the same as Beach Cafe, Beatty Cafe has loads of fans who are only too ready to support the cafe and talk highly of the breakfast. Give it a go with the other two and let me know what you think.
Not only is this the closest restaurant to Cohub, it is great quick food so really popular. The kitchen is open so you can see it all happening and you can eat at a table or at the bar. The two favourite of many Cohubbers are the Pad Thai and the Singapore Noodles (Mild, Medium or Hot).
One of Eastbourne’s best coffee shops and eateries. Urban Ground has two places in central town and one on the top floor of Towner Art Gallery. Great coffee and fantastic light bites and pastries, they are all good but I like the one at the Towner Art Gallery as you can work their, eat and then look at the latest exhibitions.
The newest burger joint in town with plenty of cans of craft beer to choose from. 7Bone is the place to go if you want a dirty burger and fries with what they call their dirty sauce with bacon bits. The Ronalds Revenge is the one for me, a Big Mac on steroids.
Originally from Hastings this burger joint is cleaner than 7Bone and the interior is better. The crispy chicken burger is a good go to and they also serve a Hastings brewed beer on tap.
The original Eastbourne burger bar and probably my favourite. The fries are great, the burgers are great. It’s a little more laid back but that’s what I like about it. They serve Long Man a great local beer.
Another local haunt for after work drinks and burgers. They serve Brewdog and Goose Island on tap which is pricey but nicer than most lagers.
Slightly out of town but a great pub serving traditional food with big portions. Friendly local feel and a courtyard garden.
Located in the Seaside Road area of town this pub looks great compared to what it used to look like. The current owners have painted it, have lots of flowers and baskets outside and it’s a great pub for live music, sports and playing a game of pool.
A popular spot for Cohubbers looking for an after work drink or a social. Good local ale, nice food and a nice vibe after work on a Friday.
The oldest pub in the area, a must visit Old Town pub. Good food, good beers, always popular and usually busy. Be sure to flick the light of the deep well on the way to the toilet.
Based in Gildredge Park just outside town, this friendly cafe is all about keeping the kids happy so the parents can enjoy lunch. They have a sectioned off area with donated toys and has tennis courts with lots of classes for all ages.
Beyond just the kids Art House has great food, big portions and always fresh. The staff are friendly and then for the kids you’ve got pottery painting and other activities to keep them happy.
We’re spoiled for country pubs in East Sussex, here are just some picks to get you started.
One of the best of the bunch. Beautiful setting, great food and drink selection.
Superb on a sunny day sitting outside on the lawn or at tables. Food and drink choices are great and you can even get the bus over beachy head or walk if you want to enjoy a few drinks.
I’ve only been here a couple of times but the food both times was really really good. Nice country setting and good drink selection.
I’m very fond of this odd little pub. It’s owned and run by an antiques professional and his sons. They’re super posh, so posh they’ve come full circle and get on much better with us commoners 😉 The food, drink and decor is on point plus they have a record player in the corner and a great little sun top at the back. | 2019-04-22T12:38:21 | https://www.cohub.co.uk/the-best-places-to-eat-for-people-new-to-eastbourne/ |
The deVere Group. Enough is enough!
Readers: If you are looking at pensions can I suggest you read this informative and impartial article first. Also, if you are thinking about talking to this company (or any other company of it’s type) about any sort of financial investment do a bit of Googling for complaints first, do some serious digging before you sign anything with anyone! Caveat Emptor!
Alan, along with Elle, is the owner of Spain Buddy. He was born in the North of England (Lancashire) and travelled extensively before eventually settling in Almería. Alan has 3 sons from the first of his 18 marriages, (Sam, Joe & Ben) who are all now adults. You can read more articles by Alan on his personal blog at AlanGandy.com and see more of his photography on his photography website as well as on Flickr and Instagram.
Also, for less than the price of a cup of coffee each month you can help support Alan's photography (and get some freebies into the bargain). Click here to visit his Patreon page to find out more.
Help preserve the Spanish landscape (and the planet) doing something you do every day!
Some quite interesting reading and a collection of links on this page. Amazing what two minute of digging around can turn up…..
I understand how cold calls can get very annoying I get many myself however your comment “I know some people can’t get proper jobs and have to work for companies like this” I don’t agree with, a job is a job as far as I can see this is not a boiler room company ripping people off.
Well, I for one wouldn’t do it.
Boiler room: I’m not so sure having read some of the links one the page linked in my previous comment, stretching the definition a little I know. I wouldn’t deal with them that’s for sure, I’ve seen and read enough that in my opinion they might be questionable.
Let me put it this way, our number is ex-directory and also registered with Listas Robinson (the Spanish equivalent of the telephone preference service) they should not be calling in the first place never mind blatantly ignoring repeated requests to leave us alone.
Devere does worse damage than boiler rooms. Most people are skeptical of boiler rooms and won’t hand over all their life savings for “investment.” But many are conned by deVere into handing over all of their savings to be locked up for 25 year in high fee funds and completely inappropriate structured products, with high penalties for trying to get out should they figure out their mistake. The damage (amount lost) is far worse than a small punt on a boiler room’s speel. deVere can destroy people’s lives.
It amazes me how little research people do on these pension and investment companies before handing over their life savings!
I used to think that way too until I met people who had been scammed by deVere and their ilk. Sadly these groups are predatory. False advertising is their standard operating procedure. Expatriates used to a reasonably well-regulated financial services industry in their home country tend to believe the b***sh** of these bastards. I’ve seen too many victims now to think it’s entirely their fault.
The regulators need to step up to the plate and start cleaning this up. I wonder if deVere Spain is even operating legally?
Pissed off with deVere? They voluntarily offered an email to a friend to complain to. Have fun, will!
I work in the industry. Unlike any deVere people I am qualified, regulated and above all else ethical!
I am always coming across people who have dealt with deVere, asking me to “right the wrongs”….. which isn’t always possible. They are a disgrace to our industry and I would recommend everyone giving them a wide berth!!
If anybody needs further confirmation just spend an hour on the Internet searching deVere or Nigel Green who owns the company. One hour of your time against being financially ruined????
Always worth adding the word complaint or scam in the search, although you will find plenty without them….. even when they pay ££££’s a year to have negative comments about their company removed from the net!
Frankly I’d be wary of pretty much anyone operating over here, not just deVere (PB being another point in case when it comes to unethical direct sales).
It never ceases to amaze me just how little due diligence people do when risking their life savings.
Absolutely. But not just deVere, anyone in the financial services sector should be examined with a fine tooth comb.
Devere sound terrible. I feel that if you require any form of financial advice it makes absolute sense to use advisors who are properly regulated in the UK. Otherwise, what protection and peace of mind do you have? I would also personally insist that any such company have a long track record of dealing with ex-pats and of course, do your research before anything!
I agree. All of my business comes from referrals from existing clients. If you do the job right then the referrals come naturally.
I wouldn’t recommend trusting anybody because they seem to “be nice”.
Ask for references, research online and above all take your time with any decisions. The sharks tend to push you for a quick decision.
‘youdontknowhalfofit’ The very fact that you have remained anonymous and made no attempt to ‘sell’ either yourself or company suggests to me you are one of the good guys. Thanks for that.
Dave (and anyone else reading): There’s a number of links in the pensions article above to help checking people out. Seems from what I’ve seen they all claim to be regulated. Not that I believe it matters much here, and so many of them appear to be ‘piggy backing’ the licences of other companies. Absolute minefield. As suggested above referrals have to be the best place to start.
I work for deVere spain as an adviser and want to give some feedback because I recently lost a potential partner for business seminars due to some bad press relating to deVere and the alleged phone-calls. Some background first and in reply to youdontknowhalfofit ; I have 20 years UK IFA experience, my senior colleagues at deVere and I are all qualified to UK standards, I myself have had FPC for many years and CeMap but deVere insisted I obtain my DipFA or DipPFS and R02, R03 as a minimum before letting me out of close compliance supervision, even then 100% of my cases are checked before business is allowed to proceed. Of course, until legislation improves in Spain, there are no required qualifications. As for DeVere group or deVere and Partners, We are registered both in the UK with the FCA (deVere and Partners (UK) Limited 469151http://www.fsa.gov.uk/register/firmPassports.do?sid=188346) and the CNMV (deVere and Partners (UK) Limited 2297 http://www.cnmv.es/Portal/Consultas/ESI/ESISExtranjerasLP.aspx?numero=2297&tipo=CLP) plus the DGS in Spain (deVere Spain J2807 http://www.dgsfp.mineco.es/regpublicos/pui/pui.aspx) so is one of only two ex-pat adviser firms that I know of that are regulated here in Spain. There are no providers or plans that I am aware of that tie the client in for any more than 5 years, charges are transparent and normally there is no direct charge to the client. Naturally, we have global competitors and we are aware that competitor firms employ staff and incentivise publicists to anonymously churn out negative comments. However, we did operate a call centre and still have a handful of staff making calls to professionals and ex-pats who they have prospected from the internet and local business guides, in the past the Do Not Call system was not as effective as we would like. The objective of the phone-calls is simply to explain about the service with a view to inviting potential clients to seminars or have a no obligation meeting with a consultant, we never transact business over the phone. Should you receive any phone-calls simply ask to go on the Do Not Call list or simply ask to ring with regulatory updates occasionally if you prefer, provide all contact numbers that you wish to add to the Do Not Call list and your number will be added to the system. Also deVere have added a warning on the FCA website, we are aware of a clone firm pretending to be from deVere group making harassing phone-calls. The genuine emails from deVere group will have a ‘-‘ as follows [email protected] therefore I would suggest asking for a confirmation email before agreeing to any meeting or discussion. Finally, courtesy is appreciated and should be expected from any of the deVere staff. Your feedback is appreciated.
There is only one thing I will take exception to in your response, no actually two. Both related.
Firstly: Your use of the word alleged. This article refers to ACTUAL rather than alleged phone calls received repeatedly over time form you company by myself and my wife. I despise the cold calling nature of your company and as stated will never deal with your company simply on that basis.
Secondly: I do not expect to have to contact your company to put my numbers on a ‘remove list’, my numbers are as stated registered with Listas Robinson. I should on that basis NOT receive cold calls.I have REPEATEDLY instructed your callers to remove me from your lists, but still the calls come. Perhaps they do remove them at the time.
I stand completely by my original article as it is based purely on my personal opinion and experience.
As for licensing etc that you have dealt with in reply to the links. I’m really not qualified in any way to comment, which is why I have published your comment in full and totally unchanged. I trust that you can take that as a gesture of balance, and as your right to reply.
Thank you for publishing my previous comment. I agree with you that cold calling, especially when requested not to, is poor business practice however the systems used in most call centres rely on the phone number being added to a Do Not Call list or DNC. Should you receive a call from the legitimate deVere your number will have been obtained through publicly available sources including marketing companies and social media. If you have several phone numbers and send an email to the email address provided you should not receive any further calls. The lady trying to speak over you may have been trying to make that point though understandably you thought it appropriate to cut her short. You have my personal email now too and I would be happy to speak with you directly. Thanks again for showing balance by publishing what is factual information relating to the genuine Devere group and devere-spain.es.
You’re welcome. It is only fair… I’m a firm believer in balance and freedom of speech on all sides.
The ‘lady’ speaking over me was rude and unpleasant and continued her pitch with any regard for my wanting to stop here. She was an embarrassment to your company in every possible way. I will not spend my time – which has a value – to stop your company or any other pestering me. Can I send you an invoice for time wasted up to now? The likes of Listas Robinson and the Telephone Preference Service in the UK exist to prevent unwanted cold calls. Whilst farming numbers from ‘publicly available sources’ (and adding all and sundry in LinkedIn) your people should be running the numbers they collect past such lists and filtering out my numbers. That’s the raison d’etre of these services. I believe it to be the responsibility of companies like yours who use cold calling techniques to comply with the spirit and any legal obligations of these services.
It is not for us, the recipients of unwanted calls, to be asking dozens if not hundreds of companies not to intrude. Despite repeatedly instructing your callers to remove me this has not yet happened.
Your calls thus far have been so far at best unwanted and intrusive through to the one described above which was offensive and appalling.
I appreciate your comments, but the ‘sharp end’ of your operation is not good in my experience.
You obviously are trying to appease me in some way here, but as I’ve said because of this I am not and never will be a prospect for your company. However, that said I’d like to lay down a challenge to you as someone who is coming across as trying to remedy the situation. Are you a gambling man?
Here’s the challenge: Can you use your influence (without me spending my time contacting your company for all the reasons I have explained) to ensure I (or my wife) never receive another phone call from your company, no more LinkedIn requests or any other contact?
Everyone’s time is valuable including your own, my objective is to give balance rather than appease anyone; deVere as a professional firm don’t want you or anybody else to receive unwanted phone calls but at the same time, communication has to begin somewhere. I personally believe an email or ‘contact request’ should precede any phone-call but my opinion is not important.
Our industry and the company I work with is much maligned by individuals or groups who see it fit to generate anonymous, malicious misinformation for their own commercial benefit – you have vented your frustrations in the public domain but you have added your name and your complaint seems genuine. My relationship with a potential business associate has been potentially irreparably damaged as a consequence of some of the comments posted which have been shared directly with me.
1) I can’t prevent anybody trying to contact you via linked-in, you can change privacy settings I believe.
2) Without a list of the phone numbers I cannot prevent calls to numbers deVere do not have registered as Do Not Call.
I can make every effort to make sure any email you send to me directly is actioned.
Genuinely I can only give my point of view and I understand your frustrations, I do not know for sure that it was the genuine deVere making the calls for the reasons outlined in my previous reply – I will do everything in my power to help you though.
You say “seems genuine”? It is genuine. No secret who or what I am. Nothing to do with your business, just pi**ed off with the harassment.
I shall continue to report all contact from deVere on LinkedIn as spam.
The list of numbers is available from Listas Robinson and the TPS, which your company has an ethical (I’m not certain but also quite probably a legal) obligation to comply with.
Which implies that your company does not have a system robust enough to ensure ‘no future contact’. In good faith though, I will mail you personally the numbers and lets see what you can do? Deal?
I understand your point of view and of course I will action your email.
There was no intended implication in terms of the company systems; I would not gamble against the potential failings of systems in general – I am registered with TPS in the UK yet you wouldn’t believe how many accident or miss-sold PPI claims I am eligible for? All data should legally be TPS screened before calling UK numbers from the UK. Listas Robinson is intended to reduce commercial mail and calls although my personal understanding is that they (Listas Robinson) have no legal standing. Social media changes the legal landscape’ a contact or ‘friend’ is in essence an acceptance to communicate.
There is no excuse though for rudeness or harassment from anyone.
Back to the issues you have raised. My livelihood relies on integrity and good will, I live in a relatively small community who read comments posted on your site and others like it and judge me at least in part by my association with the company. I don’t want you or anybody else feel they have been harassed in any way shape or form and will action your email tomorrow which should sort the problem..
I would ask that anyone experiencing the same issue you have reported use the email supplied at the start of this post, specify your name and associated phone numbers and ask for them to be added to the Do Not Call list. Also please make a note of any person who tells you they are from deVere, ask them for their email address and it should contain a ‘-‘ e.g. [email protected]. That way we can speak directly to the caller and ensure we do everything possible to avoid future calls.
Thank you for publishing my comments.
I most certainly don’t have any friends or contacts at deVere. Random attempts to add me via any social media platform are immediately reported as spam.
Phone number, ex-directory, always. Listas Robinson, Never allow ‘partners’ and such to email me….
I should be water tight. I do this ‘internet thing’ for a living. I know the law, and I know how it – should – work.
It’s only fair. I hope you feel that we have given you reasonable opportunity to answer your critics. I appreciate there are always two sides, and many different individuals in an organisation like yours. It’s for the reader to make their own opinions, not for me to only allow comments from one side of an argument.
They sell very high charged savings plans that are not allowed in the UK (Generali Vision Plan) and they have received lots of bad press about this.
It’s fair to say that there are lots of buyer beware pointers here.
To the Devere advisor – with respect, if you are losing business through bad press, may I suggest that you move to another company?
My comments do not represent deVere group or deVere spain e&eo. I will do my best to provide evidence to support to my comments.
Regulation and qualifications – My previous posts cover your points relating to UK qualifications and regulations. The sources available to ‘Dig’ generally are at best inaccurate at worst fabricated although on occasion get published in the broad sheets or tabloids.
Daily mail: deVere are a global group and have a high profile presence in the world’s press – do any of the other financial advisory firms you know have the same presence? Naturally deVere has attracted good and bad press. https://www.devere-group.com/deVere-News/PressReleaseList.aspx . however the negative seems to be the focus of this board.
Panorama – the programme features one incidence of a well publicised case and fails to point out that deVere compensated the clients fully. The incident dated back to the early days of deVere. With thousands of clients and hundreds of advisers, inevitably there will be mistakes however times have changed and the improvements in regulation and compliance systems and controls are there to minimise the risk of mistakes happening.
Generali Vision – we are not in the UK. All products sold in any jurisdiction have to be compliant in that jurisdiction – there are multiple providers including Generali, incidentally a leader in their field, and the charging structure can be found on their website. Devere are paid directly by the provider. Relative to the UK the charging structure may be high but appropriate for each jurisdiction.
Cold Calling – Covered in earlier posts and historically controls were poor.
Summary; The previous comment by Dave Mongomery is an example of the rumour mill in action “They have been booted out of lots of countries including Belgium & Luxembourg” – where is your evidence and is the source credible?. I chose to work for deVere for a number of reasons, including standard of training and support, regulatory status, non-biased charging structure, incredible product range that simply are not available to other smaller firms. The controls in terms of police checks, qualification checks and due diligence is exceptional and with respect, should the negative press have a credible source and evidence, I might consider your suggestion. In the meantime, I will continue to provide an honest opinion.
Ex-pats have a tendency to make a direct comparison with the UK in terms of products, charges etc. As an example, UK ISA’s are not tax efficient in Spain and are not available in Spain.
The UK have a completely different legislative framework to Spain and the rest of the world where the providers themselves set the charging structure of their products and commission is used to ‘incentivise’ all firms. Devere adopt a neutral approach to ensure there is limited commission bias.
I am interested to know how the Do Not Call system has worked so far – Have you had any further calls from deVere Alan Gandy?
Another issue that has recently come to light – Chase de vere and Devere Group are separate entities entirely and have no common link. Much of the negative press I have seen relates to Chase de vere.
Hi Devere IFA, your firm has definitely been booted out of Thailand. That I know first hand.
deVere in Thailand tries hard to pretend that it has acquired a legal Thai firm. But that appears to be – at best – wishful thinking, and at worst, complete deceit. The acquisition was never approved by the local regulator.
Not a single devere “adviser” has a license in Thailand, nor ever has had one. If you have any different information, post it here. I’d be especially interested in the name of even a single deVere Thailand employee that you think is (or has ever been) licensed to sell offshore investments or even give investment advice.
None so far…. I’ll be in touch if they start coming again.
Let me put some of your wrong/erroneous info right here. Upfront: I am a fully licensed financial advisor in Germany catering to Expats. I am currently helping several of them taking legal steps against DeVere Germany for malpractice and illegal advice (i.e. without proper licensing).
1. In Germany it is entirely illegal to cold-call a private person, either at home or their place of job/business. Not on a reference (which is usually bogus anyway if challenged). It requires the explicit permission of the called person upfront. Still – and in full knowleged of this. DeVEre Germany has regardlessly used cold-calling as the modus operandi and still does. You guys simply don’t care about laws and regulations, that is the simple truth of it.
2. Here in Germany DeVere has no license to offer investment advice at all. The old one run out in July 2013 and you guys could not get a new one as it would require proof of skills as financial advisor for all local advisors. The only thing left in Germany is a license as insurance broker…and this will hopefully soon be terminated by the German authorities. In many other countries you have acted without proper license or bogus claims of licensing. The British FAC is currently looking into this as well according to my knowledge, especially abuse of passporting rights for cross-border activities.
4. Generali Vision is located on Guernsey. They have – as confirmed by the Belgium and German authorities – no license or right to be sold or offered within the EU. Because the EU passporting rights do not apply to them.
On top of that German laws (and me thinks EU directives as well) require that the initial costs for such a plan be disclosed in full EUR before (!) a contract is signed. this is never the case when DeVere sells these plans. Which is why the entire sales-process is illegal in Germany as it is (I can’t judge for Spain as I do not know the legal regulation there well enough, but EU laws also apply to Spain, obviously ).
The list of countries where DeVere was banned/kicked out is a long-one around the world . I am working eagerly on trying to making Germany the next country where the DeVere sales practice is finally banned. Unfortunately there are so many spin-offs that it is sometimes hard to keep track of all of them. But they, too, will eventually be brought down.
For consumers there is only one cause of action: check the actual regulation for insurance or investment advice in the country where you live and do not just trust it when an IFA says so. Check the online registrations lists and make doubly sure you’ll understand the licenses in full.
Furthermore, check any quotes you get for full disclosure of costs (i.e. commissions ) involved. If you don’t get transperent information, stay away.
Since DeVere and others also often gives wrong information about “tax advantages” of their offshore pension plans or executive investment bonds, have your tax advisor check into this before you sign anything.
Don’t do a QROPS without unbiased advice of a licensed UK-based specialist first – you might be losing a lot of guarantees for your pension and exchange it for risky and dubious investments. At least here in Germany the “structured notes” that DeVere loves to put into EIBs and other such products for an QROPS transfer are considered thru a large number of high court decisions as entirely unsuitable for pension planning do to their inherent risk of total capital loss.
DeVere’s expansion strategy is mostly/partly by a process of merger or acquisition – that is to say that DeVere will purchase or merge with usually the locally larger established firms and take them on as part of the group, bring in new systems and controls, branding, training and development etc.
Unfortunately, despite full due diligence, the acquisition and merger strategy has inherent risks in the sense that by taking on a client bank and personnel in an environment where there are little or no required adviser qualifications and limited regulations, DeVere often also have no choice but to take on the liability for reputation and advice given by the acquired firms current and previous advisers.
Regulations in Thailand are far from straightforward, DeVere rely on legal advice from the best in the world but even then, the regulations have to be translated into English language and/or interpreted. Most IFA firms in the UK will tell you that even the nature of FCA rules and regulations are often vague and have to be interpreted by the firm.
I can find no evidence to support Andy’s comment ‘The acquisition was never approved by the local regulator’ – You will notice in the case of Thailand, the company name is still Broadgate Investment Advisory Securities (Thailand) Company Limited. https://www.devere-group.com/globalpresence/globalpresence.aspx. Broadgate are registered in Thailand: Broadgate Investment Advisory Securities (Thailand) Ltd is licensed by the Thai Ministry of Finance and regulated by the Thai Securities and Exchange Commission (according to their website). Ministry of Finance no : SD03-0048-28. SEC license no : D06-0048-18. I guess it is possible the Thai regulator did not approve the acquisition but I do not speak Thai or have direct access to the legal team deVere used so I would ask Andy – you stated you know as a ‘Fact’ – are you another one jumping on the band-waggon of deformation or do you have any evidence to support your ‘Fact’ that you (Andy – comment above) ‘Know for a fact’?
In the past, DeVere in my opinion have been too quick to re-brand to ‘deVere’. On the reverse, where business levels or demand is low, or regulatory procedures create an unworkable environment (for example overbearing or unmanageable staffing or capital adequacy levels or local government levies where costs massively outweigh potential gains) – DeVere may chose to move out of a location that just simply offers little or no commercial benefit – for example, lack of competitive edge or beneficial terms for the client (such as limited tax efficient product availability or range locally compared to the established private banking sector). DeVere are unapologetically a business and have a general philosophy to be and work with the best in the industry.
Many of the blogs are known to have been posted anonymously by former staff; where deVere have made the decision to ‘eject’ or lose some acquired personnel for a variety of reasons, I would expect poor standards or questionable history as some of those reasons.
In emerging markets deVere will take on good communicators to train as advisers, usually with client facing experience from consultancy and yes sales environments who are willing and able to travel and live abroad, due in part to the limited experienced personnel available local. I still have ongoing training myself – Devere continually invest in their staff and will train all of them; In my opinion the quality of training is high usually to an internationally recognised standard but local qualifications may not be the typical UK DipFA or DipPFS for example; adequate non the less for recommending a limited range of products (Remember – UK qualifications are only usually relevant in the UK! but a tool for credibility and demonstrable ability, no doubt).
UK qualifications may be recognised but irrelevant in terms of some overseas jurisdictions. The advice DeVere Spain gives, even prior to legal requirements to do so, for UK pension transfers, is usually done through a highly qualified team in the UK and regulated in the UK, the adviser based locally, even if highly UK qualified, would simply introduce the pension business. Other firms in Spain have to now use external providers to do the same.
Often, take Thailand as an example, especially where no dual tax agreements are in place with commonly used offshore jurisdictions, new products have to be developed specifically for that jurisdiction because the usual international products simply have limited tax benefits, for example due to no dual tax agreements and simply do not meet the requirements for international clients, charges on those products will invariably be more expensive than the UK for example. Product regulations are often non-existent in some parts of the world.
Opinion and comparisons are often shared on here but with UK based experience rather than an international knowledge. UK based advisers or former UK financial body examiners who have retired to Spain for example often comment with a UK mentality or perspective – when I came to live in Spain, as a UK adviser I considered ‘naked’ investments to be more appropriate than offshore bonds in Spain due to charges for international bonds (typically around 0.5 to 1% per annum in addition to initial and fund charges) but with local taxation realised that despite charges, the taxation advantages in Spain (limited tax on growth, tax on profit elements on withdrawal as one) offer significant potential benefits for most UK clients who are or will be tax resident in Spain.
I do not know anybody personally at the Thailand office and without checking their certificates I don’t know what qualifications they have, I do know deVere will act quickly to be as regulated as possible in any area they cover and use the world’s best legal teams to advise and will suspend operations – by choice to avoid any breach of local or international rules.
What I do know is that the compliance and oversight procedures here deVere Spain are 100% as stated in earlier blogs – I don’t really see the relevance of Thailand or other overseas businesses here in Spain other than to fuel a general message that DeVere are the big bad demons of financial services. I gave a link in earlier posts to show our FCA / CNMV and DGS registrations – also there are no complaints registered to the business on the FCA register -DeVere Spain have liability insurance with AIG Europe – these are indeed FACTS.
In summary, there are good and bad in everyone but it would be wise to get out of your UK mentality bubble – YOU ARE NO LONGER IN THE UK (unless you live in the UK – sorry, did not mean to exclude you UK readers x) – I would strongly recommend 1. Speak with an adviser based in the country that you are or will be tax resident (remember in Spain if you are here more than 182 days, in most cases you have an obligation to pay tax in Spain and become tax resident by default). 2. Ask for and see evidence of qualifications and/or evidence of training or experience from any adviser or firm you speak with – (New starters have to start somewhere and may be under supervision therefore request evidence of supervisor qualifications) 3. Work with a company that is registered and regulated locally and where appropriate with the UK FCA too 4. Has financial ability and appropriate liability insurance to make financial redress to mistakes if and when they are made. 5. Base your choice on FACTS relating to your country of residence. 6. If you have any concerns about the nature of initial contact, have the courtesy to think of the person making that communication as a person; allow them a minute to deliver there message and communicate politely with them 7. Listen to the people trying to help you – you may learn something you didn’t know before and you may gain some value at the expense of a small part of your valuable time (Not just yours Andy but everybody).
Talking of time, I am going to sign off from adding to the this thread – I have provided my personal email to the site owner, have directly addressed his issue with deVere Spain to the best of my ability and I am genuinely interested in providing balanced feedback or assistance to any of you resident here in Spain.
I would urge you to contact directly any firm that you are unhappy with and help them to help you.
As one final note: You should expect courtesy from the company too, Alan Gandy felt one lady in particular was rude which is simply unacceptable to me, never mind deVere. I will personally assist anybody where they have experienced anything other than professionalism from anyone associated with deVere Spain because my business depends on it, I also know I have the backing of a fantastic team who will assist me to assist you. I have extended that courtesy to Alan and will do the same for any individual or collective with genuine gripes.
1. I do not know the laws of Germany so cannot comment re ‘cold calling’ or unsolicited introduction mail/email – maybe you would kindly send a link to current laws I will do some research myself or forward to me via the mediator of this thread – Previous comments give my view on the whole ‘cold calling’ issue.
For a balanced debate where possible I will provide support for my comments, all of the blogs out there make spurious claims – I don’t know whether they have any foundation but they all share one thing in common, they fail to provide evidence and other IFA’s are quick to fuel the fire.
I appreciate Pat, you may have evidence that you cannot provide on a blog but feel free to pass on any via Alan Gandy, the site moderator – The worlds largest firms work with deVere and would cease to do so I would imagine if what you are saying is true – I would move away from deVere if I found hard evidence that what you say is true but I can’t seem to find any.
Now I really have to get on with some work…..thank you again Alan for posting my replies.
My comments are my own opinion and views and not approved by DeVere Group or DeVere Spain e&eo.
No doubt, being a large firm, deVere will have some.
—-and then you see a pattern. One time could be a simple mistake or oversight, twice would call for a very serious review of compliance procedures in the company. This often shows: DeVere does not care for license.
Again, this does not look like a single individuum overstepping the line but like a special climate at DeVere.
your 5: I am not doing DeVere’s homework. Selling structured notes in Germany requires a banking license which they don’t have. Selling them as part of pension plans is liable for malpractice claims – DeVere would lose every court complaint about this, especially if prior dissolving a safe UK company pension scheme.
Securities Law in Thailand is in fact quite straight forward and readily available in English. If deVere had any difficulty in understanding the English, it could have contacted the SEC (regulator) directly years ago (as I have) and gotten clarification on any point. Or if deVere preferred it could have consulted with any international law firm such as Baker McKenzie or Clifford Chance and gotten clarification.
deVere instead side-stepped the law entirely and set up an illegal entity selling offshore products to expatriates in Thailand. As it became clear deVere would run into trouble, it announced that it had taken over Broadgate. It’s very easy to see that the Thai takeover deal wasnt’ approved and didn’t go through. Just check the Thai SEC website – it’s all there in plain English. Broadgate is still owned by its original shareholders. None of the deVere salespeople have licenses in Thailand – just do a simple search.
Sorry to burst your bubble. In Thailand deVere has been breaking the law. That’s why deVere is on the Investor alert list. It doesn’t own Broadgate. That’s why deVere is not listed as a shareholder of Broadgate. No deVere personnel have any licenses in Thailand – that is why if you search for any of them by name they do not come up.
The Thai SEC has started to file criminal complaints against people giving advice in Thailand without licenses. If nothing else, I hope that clarifies things for your company and its personnel operating illegally here.
I do not see what this has to do with Spain, I acknowledge the articles have some sensational commentary but you have not provided any evidence to support your comments. You have made sweeping assumptions and claim to have evidence when all you can produce to support your claims are broad sheet headlines knowing that readers see the headlines but rarely read the complete article.
1.2. 4 Where is your evidence of any high court rulings against deVere, any evidence of outlawed products or incorrect registrations, or any reprimands for cold calling that you say you have first hand knowledge of?
deVere Germany GmbH is registered in the local court of Frankfurt am Main under HRB 55281. It is registered with the insurance broker register (http://www.vermittlerregister.info registration no. D-8HD0-NHM21-08). deVere Germany GmbH has a license according to sec. 34d German Trade Act (insurance broker), supervisory authority: Industrie- und Handelskammer, Frankfurt am Main, Börsenplatz 4, 60313 Frankfurt.
Can you provide evidence e.g. copy of the law or a statement from a governing or regulatory body that proves the above licence does not meet German licencing requirements.
My objective again is to provide balance. What does a sexual harassment case based on a singular accusation in the USA have to do with Spain?? deVere have hundreds if not thousands of employees – statistically 1 in 1000 of any demographic could be a bad egg – of course the article you posted states an allegation without evidence. I can’t comment but I know I did not take part :) and I accept deVere will attract news, good and bad.
Thanks again to Alan Gandy for publishing comments without prejudice.
(My comments are my opinion and not approved or shared by deVere group or deVere Spain S.L. e&eo).
And as I said before, there were issues with clone firms pretending to be devere, deVere have published their own response to information on blogs available on the deVere website. Maybe in the past deVere screwed up – I don’t know.
I don’t really know the situation in Thailand however the regulations in Asia have improved in recent years – I still have not had any evidence that the Broadgate purchase was turned down by the regulators – just blogs.
My experience of DeVere Spain is nothing but professional from an insider point of view and my personal impression of the group as a whole is positive.
Little confused by the last post by DeVereIFA as the points about regulation have confirmed what Patrick stated.
@Christopher Lean – Hi Christopher, again this is a post for Spain but I am intrigued: Answer – not at all – I have posted deVere’s permissions in Germany, they are licenced under pass-porting permissions for investment advice and under local arrangements for insurance products – Are you saying the permissions are not correct? please provide evidence – I cannot find any information to confirm that their permissions are not adequate for Germany?
Kindly note that deVere also has its registrations added to the ESMA (European Securities and Markets Authority) in preparation for MiFID 2 (Markets in Financial Instruments Directive II) currently being updated by the authorities.
MiFiD amendments were valid from 2007 and new proposals MiFID 2 are due in 2017 for those of you who are interested.
Goodnight and thank you again.
All the original shareholders are listed, not deVere.
You’ll find only one person, a Thai national, who is licensed and working for Broadgate. No one from deVere.
You can also check out the type of license that Broadgate has. Even if deVere did acquire it (which it did not), Broadgate is not authorized to sell offshore insurance wrapped investments to Thai residents. This is essentially how deVere’s earns its revenue, or am I wrong and your firm does something else?
Meanwhile, deVere Group and deVere & Partners (Thailand) Limited have been on the Thai SEC’s Investor Alert list since 2014 :http://market.sec.or.th/public/idisc/InvestorAlert.aspx?lang=en&reportcode=PP07&table=T01 The website the SEC lists is your firm’s website, not some clone firm.
If deVere still has any doubt about Thai securities law and for some reason doesn’t want to speak directly to the Thai SEC (who speak perfect English), as I suggested before, try hiring an international law firm with a Thai office like Baker & McKenzie or Clifford Chance. Their lawyers are fluent in the law and in English.
As Pat notes above regarding Germany, selling risky offshore structured products inside people’s pension plans is not a practice that would be acceptable in Thailand. deVere nor any firm would not receive a license to do this.
By the way the law in Thailand has not changed recently. The SEC Act has been in place since 1993. It is only in recent years that expats have begun to complain and give evidence to the Thai SEC. Sadly all too many expats were unaware of their protection under Thai law and many departed Thailand without filing a complaint. That has changed, not the law.
I am just following this discussion, nothing else. I simply said I was confused as you and Patrick refer to the same types of licences, albeit from a different angle. The permissions are what they are and they state what activities they cover.
If you have an establishment of a branch passport ( as above ) from the FCA, then the staff in Germany would be covered to give investment advice. If I am reading this incorrectly, then I have no issue with someone clarifying this.
@Andy – as I said before, my interest is in Spain, all I know about Thailand please refer to previous posts.
More than happy to give you the evidence and proof that you seem not wanting to ackknowledge. And yes, I am talking about Germany and other countries (mainly EU memberstates) where DeVere blatantly violated regulations rules and consumer protection laws…but this is mainly to underline that this company is not the great international financial advisor you try to paint them. As to the legal situation in Spain, I do not know – but will inquire as I have years of experience in finding out what lies behind the typical smoke screens put up by the likes of you.
– careful reading may be helpful before you try to twist my words around in order to muddy the water: I have not claimed that there are high-court decisions against DeVere in Germany (yet). What I have claimed – and everyone with just a little bit of German and some Google-capacity can find out – is that structured notes are not suitable for pension planning by German law.
Here are just some such examples of court decisions by the German BGH (Federal Court – highest level below Supreme court).
This list could be continued at nauseam.
This is why strcutured notes are not suitable for pension planning, least of all for QROPS.
– Licenses of DeVere in Germany: thanks for posting the link to the public registry of the FCA. Now everybody can see that you either have no clue about what you say or simply try to mislead people.
Both passporting right for Germany are cleary stated as Outward Services (both for insurance IMD and financial advice MIFID). Outward Services means DeVere UK has only a permission to offer cross-border services, meaning you can advice people/clients in Germany FROM your UK office by phone or email or the odd short visit in Germany – but you are not allowed to run a branch/estbalishmend in Germany under this permission. However, DeVere Germany is a Germany based corporation and DeVere website claims to have offices in Frankfurt and Hamburg (and used to have in Munich). Several “advisors” of DeVere are locally present permanently (and claim do be so) for many years already in Germany. this clearly has nothing to do with “Outward Services” but would require “Outward branch”. And the FCA makes explicitly clear that you have to apply for the right form of what you want to do under the freedom of services.
Consequently DeVere is misleading the FCA about their activities in Germany (and other countries) by using the weaker/cheaper passporting rights of “Outward Services” instead of “Outward Branch”.
Again, this is no rocket science and DeVere cannot claim ignorance here.
In Germany there is DeVEre Germany GmbH. It was established in 2009. For years it only had a license for financial advice under provision § 34 C GewO from IHK Frankfurt. At the same time it was giving insurance advice (most offshore pension plans are life assurance products and require thus a license for insurance advice) in Germany without proper licensing, claiming to be under Belgium license. The Belgium authorities gave us in writing that this was incorrect.
Ever since March 2013 DEVere Germany has now, as you correctly state, the relevant license for insurance advice under § 34 D GewO from the IHK Frankfurt. Which shows also that all the time before DeVere Germany was acting illegally when offering insurance advice.
But since July 2013, DeVere Germany is without license for financial advice. because ever since investment advice requires a new license under provision § 34 F GewO. Which requires among other things proof of qualification of each advisor and person residing in Germany to offer financial advice on behalf of DeVere. A simply glimpse in the online registry in Germany for that will show the lack of this important license. Consequently DeVere advisors in Germany are not allowed to offer any investment advice at all – and clients foolishly enough to take such advice have no recourse to an indemnity insurance as required by law.
For a market that DeVere has claimed to be very important like the German one, this is one very poor compliance of the laws in Germany – which are there for consumer protection, mind you.
Now, for any advice on structured notes, a special banking license is required under German law – because these are, as expressed above, high-risk investments. This license is § 32 KWG and and DeVere Germany has not such a license either. So any advice offered in Germany including structured notes is massivly illegal.
GEnerali Vision: as said above: The beloved cash-cow of DeVere for “pension planning” is the Generali Vision plan because of its high initial costs which convert nicely into high commissions.
Generali Vision is a product of Generali International Ltd. which is located in Generali House, Hirzel Street, St Peter Port, Guernsey, Channel Islands. Since the Channel Islands are not part of the EU, they would need to apply for a license in at least one EU-memberstate and then might possibly passport into other EU-memberstates. This never happened. Consequently the Belgium authorities informed us that the sale/distribution of Generali Vision is illegal throughout the EU as no such license was ever granted. And the Ombudsman in Belgium informed a client that because of this no indeminity insurance would step in to pay out in case of malpractice even if and where DeVere might have a correct license as insurance intermediary.
Under German consumer protection laws, clients have to be informed about the costs for an insurance product in full EUR with the quote. I have never seen such a legally compliant quote by any DeVere “advisor” in Germany…and I have seen plenty. Which is understandable because no-one would sign a 25-year duration plan with Generali Vision if he’d be properly informed that the first 23 monthly premiums (and what amount this generates) are entirely going into costs/commission and will thus be lost if you need – for whatever reasons -cancel early.
– DeVere UK has no license from the FCA to offer advice IN Germany thru a branch/establishmend as shown on the FCA registry.
-DeVere Germany did not have a required insurance intermediary license for 5 years of its activities in Germany, falsly claiming to be under Belgium license. It has now since March 2013 a license as insurance intermediary but NO license whatsoever for investment advice in Germany, especially not for structured notes.
– German courts have ruled often and all the way up to the BGH that structured notes are high risk investment and thus unsuitable for pension planning and conservative investors. I don’t believe that other EU countries will have a much different stance on that.
– Generali Vision pension plans are not licensed to be offered in the EU as they are located on the Channels islands which are not part of the EU – hence no passpoprting rights are available but rather a formal license must be obtained by at least one EU memberstate.
Last but not least to show how inadequate advice by DeVere at least in Germany is: DeVEre advisors in Germany have sold and still are selling EIB (Executive Investment Bonds) from Old Mutual and other similar products to residents of Germany, claiming it to be tax efficient and helping to save taxes in Germany.
The contrary is correct as many DeVere clients just found out to their horror when audited by German tax authorities. Because the life assurance umbrella of these EIB is offering insufficient risk-coverage for death under German laws, they fall under what is deemed “transperent taxation” in Germany. I.e., profits from selling funds or matured structured notes have to be reported for taxation in every calendar year. All thos resident in Germany who believed in DeVere expertise are now facing serious penalties for tax evasion for the past years when they did not report these profits in their tax declarations. Great job, you guys !
Anyone wanting to have a clear pucture of what DeVere has been doing and is still doing: please check “pissedconsumers”, search for DeVere and scroll by their blanket ” we are good and did not wrong” comments down to the complaints. It will open your eyes.
@Andy – Why do you persist on Thailand? some of your information appears to me to be incorrect – here is the SEC registration clearly showing the permission for investment advice AND the shareholders.
Please may we stick to Spain .
If you quote legal documents, please make sure you understand what they mean.
As your quote from MIFID directive clearly shows, there is a difference between estbalishment of a branch or free provisions of services. Both passporting rights can be applied for with the FCA, but they trigger different responsibilities to the host country and its regulation.
So, to make this finally clear again: DeVere UK has not a license to offer advice in the form of branches/establishment in most EU memberstates. It can only offer advice FROM UK into these countries as a cross-border service.
PS: since you are insinuating – a typical DeVere spiel, by the way – that I have “business interest” in spreading this info about DeVere: while I do offer full-fledged holistic insurance and financial advice to Expats in Germany, I do not offer ANY of the products that DeVere loves to sell here. Because they make no sense to residents of Germany, are far too expensive and simply unsuited for the vast majority of Expats in Germany. Therefore we are playing on totally different levels here and I don’t count sales-organisation like DeVere as a competition at all. I am just sick and tired by their constant and blatant abuse of laws and consumer protection rules in Germany. that’s all.
This is about deVere’s business practices. Many locations have been brought up as part of this discussion. I happen to know a lot about Thailand specifically. I am very happy to share my knowledge about what I know about Thailand in exchange for what others are posting about other countries.
Yes, the link you posted shows clearly the shareholders of Broadgate. Look closely and note that the shareholderrs are not deVere. They are the original shareholders of Broadgate.
as expkained above, Chris: DeVere UK has only passporting right INTO Germany for cross-border services. The passporting granted by the FCA is for “Outward Services” only. Hence the established branch in Germany is not covered under this license at all. That would require “outward branch”, which DeVere has for a few EU-countries but certainly not Germany (as both the FCA registry AND the BAFIN (German finance authority) registry show.
Since DeVerer Germany GmbH is a legal entity under German law the prevailing opinion amongst legal experts is, that it would not fall even under “outward branch” either – but I would allow for some legal interpretation room here. Yet, since there is no passporting license for “outward branch”, it is rather an academic question in the end. DeVere Germany has a German license as insurance intermediary (which shows that they, too, believe in the need for local licenses) but not for investment advice. Consequently all Germany based advisors offering investment advice are doing so illegally. Period.
now I just wonder when Andy is going to get the usual threatening letter by DeVere lawyers to erase this thread at once…. because this is what they usually do (as I could see both in Germany at Toytown and Switzerland (Expat-Forum) in order to avoid that negative but factual information can be found in the internet.
Patrick, thanks for the clarification. I merely referred to the links that deVereIFA provided himself and your comments which, as I said, appeared to confirm the same thing. I could find no evidence of an outward branch on the FCA website.
Please be respectful, I am not attempting to muddy any waters I replied to all of your comments with evidence from credible sources. To ensure my understanding is correct I have also written to the FCA for their confirmation to add to the factual evidence I have provided.
Patrick to say that structured notes are inappropriate for pensions in my opinion is narrow minded – several structured products with Morgan Stanley, Goldman Sachs, UBS etc. offer capital protection, deep barrier and quarterly income, yes returns are subject to the providers solvency – should two of the world’s largest e.g. Morgan Stanley and Goldman Sachs collapse there would be far wider implications for all; to site the collapse of Lehman Brothers as justification for high court rulings involving deVere is pretty tenuous don’t you think? – any reasonable IFA would recommend provider diversity to minimise exposure to the collapse of one institution which is clearly an inherent investment risk.
Have either of you a copy of any letter from any solicitor acting on behalf of deVere, really?
QDeVereIFA: I am not sure if you really do not understand what you write and quote here and thus just preach what you have been (falsly, I must add) told or if you just try to “muddy the waters”. Either way, you are wrong.
I have asked the British FCA in Spring of this year if DeVere UK (and a few others I don’t want to name here who act similarily ) who has only passporting rights into Germany by “outward services” are allowed to run a branch/estbalishment under this passporting licenses.
So, sorry mate – you are utterly wrong. Nothing has change in 2011 which would suddenly allow you guys to run a branch in Germany outside German rules and regulations AND without proper authorization by the British FCA.
Ok, try to understand: it is not me who says so, it is German courts on numerous occassions, such having established a pretty clear guideline to this regards. It has nothing to do with narrow-minded or not. if you (not YOU personally but DeVere advisors in Gemrany) offer investment advice in Germany, you should know German laws, German rules and even more so German taxation rules which make most of the structured notes underneath a life assurance umbrella pointless anyway.
Nobody I know has even weeks before the bankruptcy of Lehman Bros evere though they could go belly up. Which was a mistake as everyone knows now. Same applies to any other large bank as "guarantor" of the structured note. There is no guarantee that any of the banks you name will survice another financial crisis like the one we had when Lehman Bros crashed. Too big to fail will not be a safety line in the future anymore.
But that is all neither here nor there: if you fully and transperently tell your clients: look, there is the risk that all your money can be lost in this investment if you transfer your capital from your safe UK pension into my QROPS solution and he gets that in writing (including the costs you are producing directly and with kick-backs from the funds and banks as required under most EU laws and rules) and a client still decided to do so….fair by me. But of all the DeVere advice documents I have seen, that simply never happens. I even have a recording from a call a client of mine took with a DeVere advisor in Germany who told him that structured notes where an entirely safe product. Which they simply are not. this is seriously misleading clients and the cases I know which are being just now started in Germany against such bad advice will cut thru the courts in Germany like a hot knife thru butter.
Structured notes are an extremly risky investment, only suitable for very risk affine and experienced investor. Anyone who has a more conservative stance on his investments and wants to protect his capital ought not be advised to sign up with anything like that. This is what a really professional and ethically sound investment advisor adhers to. Sorry for having to point that out.
I could obtain one from a couple of website here in Germany and elsewhere, but what would be the point?
Even more so: DeVere tried to supress the negative publicity on "PissedConsumers" in the US with a law suit….and miserably failed so because in the US the first amendment is something precious and not easily discarded.
The Japanese regulator has updated its “List of non-registered or non-authorized entities with the FSA” for the month of July by adding 4 more names.
At the top of the list of new additions is: “(1) deVere Group Tokyo K.K.
As you can see, DeVere Japan is listed both as violating cold-calling AND as non-registered or non-authorized entities with the FSA.
So, we have violaitons in Thailand and Hongkong, now in Japan and as reported by me in teh recent past in Switzerland, Belgium and Germany. And you still claim this to be a simple oversight or mistake? I smell a mode of operation…..
I have read through the comments with extreme interest. Biggest is not best. I have many years experience in financial services. De Vere sent me to Malta – at my own cost – but paid accomodation. A five day course was held including about ten others, of whom maybe two had experience in financial services. Investments was by far and away the main priority. Which goes against the title IFA (Independant Financial Advisor) as life and disability cover is for all intents and purposes not covered. Holistic planning? My foot. Most qualified for postings to various branches and countries. Not me. No boot camp for me, thank you Sir. The course trainer thought she was the bees-knees but was caught out lying – not just by me, but the others attending. They shovel drivel in. If you make it, great. If not, out. Not much time. Their reputation is scandalous and the authorities should ban companies like them, who make their sole mission to generate as much commission as possible.
The deveregroupinfo.com page doesnt seem to work. Is this the correct URL?
They are operating in Manila, Philippines now too….watch out!
I’ve just signed up with this company to move my pension funds to a QROPS arrangement including an investment bond. I’m getting really worried now, reading all this negative stuff about the firm and that investment bonds are only advised because they pay high commission, when my advisor told me they don’t get paid by commission.
Does anyone know if this company are properly regulated in France, as I have been told they are? I haven’t been given any information about any ‘cooling off period’ so I don’t know if I can get out of this arrangement now, without it costing a lot, having signed only a couple of days ago?
I’m no expert, this thread started from my frustration with their sales methods. However, common sense would suggest that they’re getting a commission and/or fees from somewhere (i.e. you) along the way.
I doubt they aren’t just advising out of the kindness of their hearts.
Product charges same as going direct – no broker fee or ‘service’ charge.
Speak with your adviser if you have any concerns.
Do not touch this company (or Blacktower, a clone) with a barge pole. You invest then see the value if you cancel a few days later and realize their aim, to write lump sum investments. Their agents know nothing about life or disability cover. They churn out advisors and discard them just as quickly. Ask what their agent turnover is. Why are they hiding behind other companies to access clients in Europe. And the sexual harassment at Blacktower? I have not given my correct email because of recriminations.
Deb, put on hold immediately making any moves until you have all your questions answered. Ask deVere for full disclosure of all fees and commissions involved in their recommended course of action, including not just deVere’s compensation, but all the fees and commissions associated with the QROPS plan, any insurance provider (such as R360, Generali, Skandia, etc), the products they are suggesting (structured products – understand fully what these are and their high fees, the upfront commissions of the mutual funds inside the insurance plan as well as their annual running fees, etc).
Please post back what you learn about all the fees and commissions involved and whether deVere’s is regulated in France here.
I used the name and email which are fictitious as both companies carry a lot of power and clout. I have written to you before and am worried about recriminations. Was an employee.
If you want to cancel, do so immediately. It will take them a while to process the application. It will also take a while for your current pension provider to transfer the assets. What platform did they use, was it an Old Mutual Bond? If so he will be paid commission.
A question. Should someone find themselves in the situation of needing/wanting to cancel, are they able to stop the transfer by contacting the existing holder of the funds?
We will always respect anonymity.
Deb, checking the regulator in France’s website – I don’t see deVere France listed as being regulated. deVere UK has some cross-border permission to do business in France, but you’d want to make sure that you are working with deVere UK and its people (check your service agreement).
On fees/commission, there are multiple layers you’d be paying. There are ongoing QROPS level fees, then ongoing insurance policy level fees, then the fees/commission of the underlying products inside the insurance policy (both initial charges and ongoing). Get a full breakdown of all of these fees. Some of it ends up in deVere’s pockets, some in each of the other entities along up the food chain.
Pension transfers typically take 6-12 weeks to complete so yes you could just contact the transferring out scheme and tell them to block it, but as I said do this ASAP as the bonds have tie in periods and exit penalties, once it is in, it is in.
I didn’t realise these replies were here, sorry.
I did find DeVere France on the UK database as being authorised for dealing with insurance. They are registered in France for insurance and pension products under one guy’s licence number. The address he used in his advice letter is on the DeVere website and there are testimonials on there for him so I’m trying not to worry that he doesn’t even work for the company.
Yes, it was an Old Mutual European Executive Investment Bond. I started worrying when I noticed that his advice letter actually advised me to use the Old Mutual European Portfolio Bond but the brochure he gave me was for the EEIB. When I looked up the difference, the EEIB isn’t available in the UK, which make me worry that it’s because it’s somehow been outlawed there.
I’m really worried that my funds may somehow have already gone. Is there any chance my pension providers in the UK would have transferred the funds that quickly, when I only signed on Thursday afternoon?
Ironically I was originally working with Abbey Financial Solutions who are based in Spain and this guy told me that they weren’t regulated in France and so I should work with a respectable company like deVere, who are.
It takes a while to transfer so contact both your existing pension provider and Devere if you want to stop the transfer. Pension firms are notoriously slow at transferring out so it would be unlikely they have started the process. Just for your information, the Old Mutual Bond pays 7% up front commison, 4% goes to the adviser. So for a £100,000 pension that is 4k in his back pocket. Nothing necessarily wrong with this but it’s shocking if he isn’t declaring this.
How much is your pension worth? Is there a reason you are doing a QROPs rather than a UK Sipp?? Sipps are cheaper.
In the first instance, speak to your adviser with any concerns, there is a cooling off period but base any decisions on facts. Much of what you read in blogs for example is opinion and rarely will you find evidence to support claims made.
DeVere offices world-wide are part of the DeVere group. Each office is also an individual business which is registered in the local territory. https://www.devere-group.com/footer/RegulatoryDisclosures.aspx in France and Spain for example, deVere have professional indemnity insurance in the locality plus the financial wealth to pay redress when mistakes happen and inevitably they do.
Speaking as an adviser from DeVere Spain, the pension trustees used are registered on the ROPS list with HMRC, the bond providers are independent from deVere e.g. OMI, SEB etc etc and charges are transparent. In fact where other firms charge a ‘Service’ fee or ‘AMC’ deVere generally do not – Due to size, deVere negotiate larger fixed fee deductions from the providers themselves.
You should be provided with all the terms and conditions and charges relating to the products you have chosen even down to individual funds.
I noticed several comments on here encouraging you to cancel your application – I would encourage you, as Andy has done, to consider how the charges with deVere compare to other firms and ask your adviser for clarity. If the adviser is unable to explain the charges or confirm them in writing, I would be concerned.
Also compare the charges to those on your UK pension fund – we seem to forget that the UK adviser and providers all make money from somewhere, ask your scheme provider for a breakdown of charges too.
As a direct result of your comments here, a DNLI or “Do Not Linked-In” list has been created within DeVere Spain – I will add your details. Hopefully you have not had any phone-calls since we last spoke?
Phew, all cancelled. I’ve confirmed too that the advice he gave me was bad for me personally, incorrect in some respects and misleading in others. I’ve found out so much bad info about this company this weekend I’ll be steering clear of them from now on and I recommend everyone else to do the same.
Incidentally I’ve spoken to a proper French qualified and registered and also UK qualified independant financial advisor this morning and asked what they would recommend and though they said now is a bad time to do it (best wait until I’m 55 so I can take the thirty per cent out before investing the remainder, so I don’t end up paying fees on it for the ‘initial period’) that if I did do it, they would recommend basically what Abbey Financial Solutions discussed with me, though their fees for it would be cheaper than Abbey’s and they have a better agreement with the provider about taking money out with no exit fees.
SIPPS wasn’t even mentioned – he said I really needed to get my pension fund out of the UK.
He specifically said he would receive no commission and I’ve had this repeated to me since, so are you sure about that?
I’m not sure I should mention the value of my pension fund on a public thread but I’ve since read that it’s not enough to consider a QROPS, though he said it was well over the amount where I should consider it. Could you get my email address off Alan so I can be more specific in private?
Deb, your email is not visible anywhere in the thread. Nor is anyone else’s.
Please could you clarify who Devere have negotiated fee deductions with. Ie which providers?
Please do not print my name. Another company to investigate is Blacktower, virtually a clone of De Vere and who have quite a few ex-De Vere employees working for them, eg Paul Howard, Mgr Italy, who has not retained one employee he has hired but either fired them or told them to resign. And I have been told by an ex-Blacktower employee there were sexual shenanigans in their head office not too long ago. Howard, of Italy, has huge upfront fees directly deducted from client capital. And never writes life cover, disability, even when it should, but aims only for the lump sums.
I would like to thank Alan Gandy for the opportunity to comment on this site however similar to many posts by adding comments, with evidence, to balance some of the criticism posted simply provides the opportunity for others to post disinformation for their own commercial benefit – for example, citing licencing issues in Thailand and a case relating to a single individual based in the USA as a damning indictment toward all DeVere advisers – Now Blacktower seem to be receiving the same, anonymously of course.
@ Deb, hi Deb, an example of fees would be with Provider X, the direct charge to you would be Y without using an IFA. With DeVere, the charge to you would still be Y however a percentage of Y goes to DeVere. In terms of fund charges, the same as you will find on Morningstar or Trustnet – again, the IFA gets a percentage.
Agreed, it may be that DeVere gain a larger percentage than other adviser firms but this is due to its commercial strength and has exclusive products with the largest fund managers like Morgan Stanley and Goldman Sachs, JP Morgan and UBS for example which clearly is an advantage for the client.
This will be my final post.
I would simply ask anybody making decisions based on comments look at the facts and genuine evidence. Check the qualifications of your adviser – (example, I found an adviser recently claiming to be a graduate of Harvard business school with a degree in economics, his certificate was false) and check the registers of the regulators in your area. Check the source of any information you chose to process as fact. Should you have any concerns ask for evidence and speak with your adviser.
Thank you once again Alan and all, I wish you well.
@Chris, Hi Chris, to clarify – the fee to the client with the providers mentioned in my previous post would be the same as going direct. For example a bond provider charging 1.5% per annum for the first five years, the charge would be the same to the client going through DeVere, deVere do not add a ‘Service’ charge but does receive payment from the provider. The individual adviser remuneration is the same from provider to provider to avoid bias. I cannot list all the providers, there are too many.
…and no, no phone calls thank you.
I wasn’t that lucky…….. I invested through a “good friend” in Mallorca in 2007 who worked for DeVere & Partners, and have now lost more than half my investment(55K) and built up a commision debt of more then 7000eur according to last fact sheet from OMI. My lawyer sent his letter by burofax to DeVere Spain who answered they had nothing to do with this investment as they were registered in Sep 2007 and I invested in May 2007.
OK let’s put some meat on the bones. The following applies to Blacktower, AES, Devere, Continental Wealth and Blevins Franks, hereafter, the FA(Financial Advisory). These companies should all be avoided! Here’s why. Firstly, they do not use qualified advisors, they use ex-salesmen to sell financial investments wrapped in an insurance wrapper. Why? Because they aren’t regulated to offer financial advice, only sell insurance, so they have to put their financial advice within an insurance wrapper.
Firstly, this wrapper costs clients a HUGE amount – 1.75% per year – which results in an upfront payment of 6.5% to the firm selling it.
Secondly, rather than being independent, these FAs use their own ‘approved’ funds. What this actually means is charging the clients an unnecessary fund entry charge of 5%, all of which goes direct to the FA, to buy a fund which hasn’t been chosen because it’s any good, but because the FA have an agreement in place with the fund house to sell this fund and for that entry fee to be passed onto the FA. For this fund you’ll pay another annual fee, around 1%, half of which will go to… yes, you’ve got it, the FA firm! Adding up. In nearly all cases these fund houses form relationships with the FA because they wouldn’t be able to sell their funds any other way, because they simply don’t compare with better managed funds.
Not done there. Some of the above firms also feel it’s appropriate to charge an annual advisor fee… add another 1% onto your annual bill.
So, Mr DevereIFA, you’re posting on this forum claiming to be open and honest about regulation, cold calls etc, but you’re failing to explain what the serious problem with your company is. Funds that make no money, coupled with fees that add up to as much as 20% over a 5 year period. So even if your funds made 4-5% a year, which in most cases they don’t, your clients still wouldn’t make any money, which is surely what they came to you in the first place for?
The problem those FAs are creating, is that because Spain has complex tax, inheritance tax etc laws, people genuinely need financial advice and should benefit from it. But there’s so little trust connected to financial services that the legitimate companies find it very hard to gain the trust of their clients, and ultimately people in Spain end up breaking the law regarding their finances because they’re afraid to seek professional help. There are honest FAs out there.
My advice is due diligence. Ask for all the fees to be written down on a plain piece of paper and signed by your FA. So the bond fee, if you have a bond (these are very useful in Spain if from a reputable supplier with low fees), the fund fees (one trick the above FAs use is they add the funds a month after you’ve signed up and don’t tell you about the fees until it’s too late). Fund fees should state an annual charge and whether or not there is an entry charge. Also check whether or not they will expect an advisor fee on top.
My advice would be total fees should never exceed more than 2.5% PA averaged out over the first 5 years – including any advisor/set-up fees. So get all the fees for 5 years, add them up and divide them by 5. If they’re over 2.5% PA then ask for an explanation. FAs and the Finance Institutions have to earn money, but fees in addition to this are totally unnecessary. There’s no need for greed.
Ask for details about the investment recommendation BEFORE you sign anything. To reiterate, all fees, fund performance, size etc. I would personally only use funds from large, well known companies with a track record.
Fund performance often relates to risk. You want to see steady, consistent returns, 6-8% year on year, possibly even lower. Don’t be seduced by returns over 9% – the only way these are achieved is through higher risk. Unless you are prepared to make losses these won’t be for you.
If you’re careful you can still get good financial advice out in Spain.
My charging structure was called AV279 and this policy was a Skandia(OMI) product.
Funds are still frozen. When I asked DeVere, OMI and Frontier the difference between frozen funds and funds closed to dealing, I never get an answer.
Since 2008 these funds have not been trading , half the value has disappeared, so what is there to be managed?
All I can say this was a very unfortunate investment for pension days.
Oh deVere….I worked for them for a very, very, very brief period. Now, I’m not saying all advisors there are bad, there are a few who have great experience and genuinely care for their client’s and don’t just vanish after astonishingly high commissions are in their back pocket.
I now work for another firm, where we unfortunately have a lot of clients approaching us to recover the affects of poor and advice on their pensions provided from deVere.
Not all advisory firms are bad though, just some due diligence on the firm needs to be taken when getting advice or being approached:) Stay safe out there!
I was contacted by deVere a few years back, they had called my company switchboard and asked for me. They claimed that they had been mandated by my employer to help expats with financial advice, and had been given my name (yet still had to call the switchboard in a city hundred of miles way to reach me?).
Their claim was a lie, I checked with our personnel group who had never heard of them, nor any such mandate. Based on the almost simultaneous attempt to connect with me in LinkedIn, I assume they’d got my name from there and simply called head office on spec.
I had taken their first call, and told them I wasn’t interested, but they have made repeated attempts to reach me. Initially through the switchboard but when I persistently refused to let the operator put them through they now seem to have my direct line. So far they don’t seem inclined to talk to my voicemail, so I’m happy to let them waste their time. If their harassement gets more direct I’ll report them to our company legal group, who are not shy about dealing with shysters.
I have no idea whether devere are the Ponzi-scheme scammers they are reputed to be, or simpy pushy used-car-salesmen types who’ll stop at nothing to get a sale, but either way I’d recommend avoiding them. I strongly suspect that if and when their schemes go wrong, the last we’ll see of them is their dust as they head for the Bahamas with everyone else’s money.
I lost a shitload of money to these lying scoundrels!
This happened in 2010. After trying unsuccessfully to get some reprieve, I finally gave up, and simply decided to let it go.
Over the years, I’ve seen literally hundreds of reviews, complaints, rants and raves, etc, about DeVere and Generali. These never interested me. What did interest me, however, were those individuals who decided to stop talking, and actually take some action against these fraudulent companies.
When I was seeking “reprieve”, I actually went as far as hiring a lawyer in London. I myself reside in Sweden, but I decided that a UK-based lawyer would be in a better position to put the screws into these clowns. My lawyer was ready to take on the fight. But, he advised me that it would not be worth it — mainly because : the cost of the legal battle alone would be 2 or 3 times more than the money what I had lost to DeVere.
His advice : find other people like myself, who also lost their savings………..organize ourselves into a group……….and launch a legal fight! This way, we could all split the legal costs. And, more importantly, DeVere would have to take us seriously if there were a large number of us beating down their door in court !!
I set up groups on Facebook; I even created a website for this purpose. But, none of this ever got anywhere. Why?? Because, there were many people who were all about “talking” and ranting, and raving about DeVere. But, when it came time to step up, and get ourselves together, so we could actually DO something about it, none of them were willing to do anything!
Eventually, I realized I was wasting my time, and simply dropped the whole thing.
I would definitely be interested in joing your camapaign. I am in the UAE and they are very active here.
i am sure there are hundreds of expats who have been ripped off by them.
I have written to the BBC Money Box Live and Money Saving Expert.
please tell me how I can sign up.
I work as an IFA for an independent office in Spain and am appalled at the lack of qualifications and more worryingly knowledge and ethics of many of the employees of these ‘biggest in the world for a reason’ firms.
If you want transparent pricing, people like myself will invest the upfront commissions into your investment and charge you an annual fee, therefore aligning our commercial interests with yours. All companies are able to do this but don’t tell you about it and don’t offer it to you as this would mean entering into a long term relationship with you as opposed to making a quick buck and leaving you to go alone in the future.
Those big companies don’t offer quality, they offer a quick fix in the same way as big fast food chain like McDonalds will fill a hole by providing a generic hamburger meal deal, one size fits all product not tailored to your needs and without any service levels or recognition as a valued client.
Personally I’d rather go to a nice family restaurant where the chef will prepare something that is to my taste with the best ingredients based on my needs, who will want and be interested in my feedback and will create a good atmosphere and level of trust and respect so that I’ll want to keep going back!
Your life savings cannot be replaced once they’ve gone so be very careful before you sign anything. Shop around and get second and third opinions, and don’t sign up for anything that you don’t understand.
A good qualified, ethical and knowledgeable IFA will be able to explain both the product that they are recommending as well as the reasons for choosing them for you and should be able to do so in layman’s terms and if they can’t I wouldn’t trust their judgement. Don’t invest in anything that you are not 100% confident with and take your time to feel confident with them, ask as many questions as you can, it may be a bit geeky but real professionals are actually very interested in their field and love to educate others too.
Many companies use salespeople who have only limited knowledge of the products that they are recommending based on sales pitches provided by their management and training teams. You wouldn’t buy a car from someone who knows little or nothing about them so why would you chance your life savings, children and grandchildren’s future on the advice of a salesperson?
Be smart and don’t ever be pressured into signing something you’re not 100% happy with. If people try to push you or tell you that the product is only available for a limited time then that is a sure sign that they are trying to pressure you and don’t want you to seek a second opinion as they’ll be found out for the fraudsters that they are.
For the underlying investments that will make up your investment stick with well known names and if you are not an experienced investor steer clear of structured notes (the IFA will get upto 7% commission on these) and any alternative funds that don’t have daily pricing and cannot be exited at any time (these too have high sales commissions for a good reason, they don’t sell themselves). Choose someone who will give you regular reviews and who will keep an eye on your investments and keep you up to date on their performances and any changes that you could consider for them.
You are going to have to pay fees at several junctures, this is an unavoidable part of investing, however the amount you pay and the way it is done varies drastically. Tracker funds offer lower maintenance fees and historically outperform more expensive actively managed funds and such ones as as FTSE 100 tracker fund is ideal for low maintenance long term investors. My pricing structure is based on an on-going advisory fee on the overall total of your funds so the better they perform the more I earn which makes it in my interest to get the best performance for you as possible. Also by paying the commissions from the tax wrapper providers to my clients, I create an instant uplift in the value of your investment, lay the foundations for a long term relationship and make it necessary to keep a close eye, i.e. actively manage, your investments.
There are a few of us honest and qualified advisors in Spain and if you shop and ask around you will find us.
I’m not leaving any contact details here as I’m not touting for business but I work on the Costa del Sol where there are a number of not so reputable firms whose work I often try and unwind, I’m just trying to pass on some quality free advice to fellow ex-pats so that you can avoid the sharks that have bitten so many of us in the past!
I would also join you in this campaign. Got screwed by them in Mozambique and now they had closed their offices here and ran away.
deVere Spain has yet again tried to contact me. I have told them not to contact me again under any circumstances but they continue to persist. I even had some school leaver try to connect with me via LinkedIn. I’ve tweeted my outrage, but they don’t respond to tweets. This is a diabolical company. If this was the UK I’d be pursuing the FCA for a penalty.
To be fair to the one deVere employee on this thread. He did contact me privately and did get us on their No Contact list so I can confirm it does exist, and it worked. Well, apart from one recent call from someone who likely doesn’t follow their own procedures on this. Lucky for them my wife answered and dealt with it politely (I would have dealt with it differently).
I live in Thailand and am a client of these guys and have had a reasonable experience so far. After reading this thread I got a bit spooked and checked with the SEC, this company is registered and not on their watch list. I also checked on my advisor, turns out he is also licensed and has his own licence number that is different to the company one.
Luckily I don’t only believe what I read on blogs and go and look for the real answer from the source.
DeVere UAE or are they? One minute they are PIC deVere then PIC is nothing to do with deVere then deVere are in the UAE but not licensed as they are one of the few companies that when the Central Bank ceased licensing failed to get a new license just a letter saying the approval process underway – that was 6 years ago.
OK, so to respond to DEVEREIFA, regardless of your apparent qualifications – tbh i doubt any reputable qualified IFA would work for devere, you fail to mention that devere have a limited fund list they can use – that is a list of less than 10 funds in the whole world that they allow their advisors to use. Those funds ALL pay hidden commissions to devere, 5% up front and ongoing annual commissions. The funds themselves are closely linked to Nigel Green, are in the lower quartile with regards performance – in other words in the worst 25% of funds in that category in the world. The only way they can encourage people to use them is to pay hidden fees to IFAs, so you guys flog them to unwitting clients who have no way of knowing they are being sold a load of rubbish at extortionate fees. How do I know this? Well I stupidly worked for devere for 3 months, but as would any moral person, i left as soon as i knew all this.
How can you call yourself an IFA when you know fully well that you cannot be INDEPENDENT when your company will only allow you to sell a very limited suite of sub-par products?
One of your very vocal IFAs, a XXXX of devere Spain, claims to have been working in financial services since 2005, despite having only joined devere in the middle of 2015. His previous job? Estate agent. His job before? Car salesman. On his facebook XXXX claims to look after £1m of clients money – that is petrifying!! I would add that everything I’m saying here is open source and verifiable on the internet, all factual taken from XXXX’s own facebook and linkedin. XXXX is not registered with any of the professional bodies that would suggest he has any qualifications, and non are listed on his linkedin.
The simple fact is, there are good IFAs in Spain, who follow the UK model – they are non-tied, they are industry experienced and they do not receive hidden fees from fund houses so can choose the best options for their clients. Devere are NOT one of those companies. I know because in 3 months i learnt how NOT to do the job, I learnt that the first sales job devere do is on their advisors.
Every month devere run competitions to incentivise their advisors to SELL certain financial products! This practise is totally illegal in the uk. Again, how can a product be correct for a client’s personal circumstances if it only sold so the IFA can win a prize? Last month the winners all got a luxury 5 star trip to vegas, later in the year the prize is australia – all for selling one particular product to unwitting clients.
DEVEREIFA, if you knowingly sell this limited suite of products to your clients, knowing they are not the best funds in the world, or indeed in the top 75%, then you are choosing your own wallet over those of your clients who worked their entire lives for their savings. I hope this is a moral quandary for you.
Oh and just to clear things up… devere are NOT regulated in spain. They are only registered with the DGS to sell insurance products. They are NOT licensed or regulated to give financial advice. devere are not regulated when giving QROPS advice either as this is an unregulated industry and they cannot passport their DGS regs to malta/gibraltar. They simply refer QROPS business to trusts. Basically they are life insurance salesmen who make their clients sign an investment waiver- the clients unwittingly sign away any responsibility devere might’ve had for the underlying investments. There is no thought in the investment advice, simply ‘in-house’ funds they are told to sell by Nigel Green.
Ben1978, they weren’t licensed in Thailand for years and there is proof of that, also that both devere and devere Group were on the Investor Alert list in Thailand. Even now only a very few of their literally dozens and dozens of foreigners claiming to work for devere in Thailand actually have licenses.
Hi Alan – I work in the industry and completely agree with your comments regarding companies ‘claiming’ that they are licensed. In some cases they can get away with it, particularly in more remote destinations….but if you want to be ultra safe check with the FCA (Financial Conduct Authority) in the UK. If a company is licensed and regulated by the FCA then they will have to conduct business in an ethical and transparent manner.
10 Years ago a “friend” Mr. XXXX from DeVere Barcelona sold me a 50K OMI insurance linked to two Frontier funds.
They were longterm low risk funds linked to property in London.
Some months ago I managed to get out 15K after all the mgmt fees were deducted. I have spent a considerable time trying to get info like funds portifolio etc. without any luck.
When my Spanish lawyer wanted to take DeVere Spain to court, mr. XXXX said they were not the correct DeVere as they registered their company some months after I invested.
DeVere Group and OMI admit no responsebillity for this investment.
Of course they are not on the FCA register, the FCA only covers financial services being sold within the UK and deVere work with expats in other countries, so the FCA would have no interest in them and vice versa. You would need to be checking if they are registered with the financial service authorities within the country that they are working, in your example Spain. The fact that they are not on the FCA register is about as relevant that they are not registered with the Association of Ventrilaquists!!!
for all the alternative funds and fantastic I.F.A. there are only two investments most should do.
1) Property. Preferably UK. But abroad if you do you d.d. and accept higher risks.
2) Index funds..US Vanguard. The returns on this past 10 years have been outstanding. I think Vanguard charge about 0.5% annual management fees.
Shove the rest……but people love “exotic, different, complicated..” and the scammers know this.
Nothing else outperforms these. Now save your-self from the B*S* and look into those two.
When will my comments be PUBLISHED, so I can contact other potential candidates, who would join me in my class-action suit against Devere and Generali=??
I was scammed out of several thousands of euros by Devere & Partners, who sold me a so-called Generali Policy.
This happened as far back as 2010.
I know that there are literally thousands of people who have fallen prey to this scam. The problem is: a lot of people seem to want to TALK about it; but nobody is interested in actually doing anything about it.
I went as far as hiring a lawyer, who was based in London (UK). Mainly because that’s where DeVere was when they stole my money! My lawyer understood my situation, but he advised me that to let it go, because: the legal fees alone would exceed the money which Generali had stolen from me.
His advice: find as many people as you can, who were also scammed, and organize ourselves into a group. Then, launch a legal battle.
I have been searching for anyone who is interested in taking this matter further. But, so far, have not found anyone with the balls to get up and fight these animals!
As in: launching a legal attack on Generali and somehow getting back the money they stole from us. !!
Alan is currently away and he is the one that approves/rejects any comments on this article.
Once he returns he will approve your comment, or contact you to let you know why not. Not all comments are published due to legal reasons – but Alan is well on top of all that.
Sorry that I can’t be of more help in the meantime.
Anyone from Zimbabwe? lied to and misguided by Devers ?
Want to thank you for this thread, it really came in useful. Was cold-called in Pakistan on Friday by a sincere-sounding, polite young salesman from deVere Malta and am so very grateful I found the comments here when I searched the web for my due diligence about them (I especially recommend the Bloomberg article that Mr. Montgomery posted the link to, it’s easy to read & comprehensive). The caller said they’d help me find out the status of my UK pension for free if I signed a Letter of Authority, & would be connected to an advisor who would charge for any services I decided to use after that, which sounded fair, but after reading about them in various articles won’t be using the group. | 2019-04-25T00:00:13 | https://www.spainbuddy.com/the-devere-group/ |
hightouchmegastore: These are my secrets. And these are my other secrets.
These are my secrets. And these are my other secrets.
I have one thousand scarves.
I want to be a rodeo rider.
I bury my tea leaves.
I am hybridizing a red rose with a redder rose.
except I hated how his skin smelled of knives.
and some are hidden even from myself.
and eat a single piece of almond shortbread.
Today I met with a student who smelled of candy and flowers.
Once I picked squash beetles from my plants by hand.
covered the shrubberies, the walks, the pavement.
but only as practice for when I become a judge.
in my heart of hearts, I judge myself.
of my proto-crypto dream house.
Labels: fictive, secrets, what is the real?
Tell me why the hair on the back of my head rises at the two judging stanzas especially. They make me shiver with delight.
Yeah, go ahead and knock my socks off, why don't you.
I knew it! I just knew you were freakily into almonds! Out of the closet at last.
except I hated how his skin smelled of knives." Good lord. THAT'S how it's done, folks.
ALRIGHT. Send me your dang manuscripts.
Ohhh. So delighted you're back.
This was the best. Publish this someone and soon! | 2019-04-18T14:18:12 | http://www.hightouchmegastore.net/2014/03/these-are-my-secrets-and-these-are-my.html |
WASHINGTON – Today on the Senate floor, U.S. Senator John Cornyn (R-TX) congratulated the new U.S. Marshal for the Western District of Texas, Susan Pamerleau. Excerpts of Sen. Cornyn’s floor remarks are below, and video can be found here. | 2019-04-21T15:16:28 | https://www.cornyn.senate.gov/content/news/cornyn-congratulates-texas%E2%80%99-new-us-marshal-susan-pamerleau |
325 New Street DUBOIS PA, 15801 PA1938.
Granite comes right out of the earth and is harder, more elegant, and more durable than any other surface money can buy. Granite will not burn, is easy to clean, and nearly impossible to scratch. Man made products cannot even compare.
We provide custom fabrication of granite, quartz, and marble for kitchen counter tops, bathroom vanities, fireplaces, etc. We offer a wide range of color options and have an indoor slab viewing are for your convenience. Our expert craftsmen have many years of experience and can customize your order to give you a look to last a lifetime.
We stand behind all products that leave our shop. Our business relies on customer referrals, so we take great measures to ensure you are completely satisfied. | 2019-04-21T19:09:10 | http://www.graniteexpressions.com/services.html |
Commuting, waiting in line, on planes, and occasionally when I’m trying to fall asleep.
I love Recode Decode, hosted by Kara Swisher, the best journalist in tech, who has a consistently interesting set of guests from tech headliners like Jennifer Hyman, CEO of Rent the Runway, to Tristan Harris, who advocates for tech companies to be mindful of their power over consumers.
Product Hunt Radio was one of my favorite podcasts, but has been defunct since July 2016. It’s worth going back and listening to the old episodes, though, especially the one with Donald Rumsfeld.
Bloomberg’s Deal of the Week is a nice way to stay in touch with Wall Street gossip.
And what kind of founder would I be if I didn’t love StartUp from Gimlet Media? It’s the number one thing I recommend to people thinking of starting their own company: it’s so full of practical advice and details a lot of the struggles all founders face at some point.
The episode of Startup where Alex Blumberg and Matt Lieber negotiate equity in their startup is painful but really illuminating, especially if you’re ever going to have one of those conversations with a partner.
Gillian Morris is the Cofounder of Hitlist, and is a travel evangelist. | 2019-04-20T17:15:22 | https://www.startupmixtape.fm/gillian-morris/ |
Made a much-awaited trip to Turkey in August-September 2015. Fell head over heels in love with the country, and Istanbul in particular. Here are a few photos from my travels.
After our first meal in Istanbul, we had to try the local Turkish tea and coffee!
The German Fountain in Sultanahmet square.
Medusa’s head in the Basilica Cistern.
The kitten who temporarily adopted us in the Topkapi Park. | 2019-04-21T17:00:29 | https://suraaj.co.in/2016/01/10/istanbul/ |
Quotes on being alone and strong quotesgram. 14 best images about family friend poems on pinterest, 17 best images about relationships, suffering, narcissism. The birds poem by william blake poem hunter. Learning quotes brainyquote, heart wrenching photo of doctor crying goes viral here. | 2019-04-22T22:12:36 | http://www.odeoncafedc.com/tag/she-who-stands-alone-quotes/ |
Image Uploader 7 has been released!
As you may know, we are going to release Image Uploader 7 in a couple months. I would like to tell about it a bit more detailed. | 2019-04-26T08:49:42 | https://www.aurigma.com/blog/v7 |
This is the fully assembled version of my RN2483/RN2903 breakout board, available here as a bare board.
This breakout board offers an affordable solution for makers working with the popular RN2483A and RN2903A LoRa transceivers from Microchip, widely used for LoRaWAN. The layout of this breakout board is based on the the datasheet reference designs. This board breaks out all 14 GPIO pins to a row of 0.1" pin header, and the power and serial communication pins to a second row of 0.1" pin header.
The RN2483A and RN2903A are identical except for their transmission frequency and which world regions they are approved for use in. The RN2483 operates at 433mhz and 868mhz, and is approved for use in Europe, while the RN2903A operates at 915mhz, and is approved for use in the US, Canada, Australia, and New Zealand. The markings on these breakout boards correspond to the RN2483A; if using with RN2903A, use the antenna marked 868mhz (the low frequency antenna is not used). Prior to ordering, please verify that the RN2903A or RN2483A is legal to operate in your jurisdiction.
The RN2903A and RN2483A are an updated version of the RN2903 and RN2483 - this comes with both a firmware and apparently a hardware rev as well; the differences are very slight - my understanding is that it's a "bug fix" type of change.
The pin layout for the serial and power pins is designed such that it can be plugged into breadboard alongside an Espruino Pico, and the pins will line up.
Since many of our customers are using these with 5v microcontrollers (such as Arduino), we now offer a level shifter as an add-on. These level shifters are mass-produced 4-channel bidirectional fet-based level shifters. See the diagrams below for wiring examples.
The RN2483 supports communication at 868mhz and 433mhz - however, I've heard from my customers that they only install the high 868mhz SMA connector. In order to keep costs down (since these are all made to order), I've made the SMA connector for 433mhz on the RN2483 optional.
This board can ship with three regulator options. If you have a regulator on the RN2483/RN2903 board, it can be used to supply 3.3v to the rest of the project (within the limits of the regulator - 1A, less if Vin exceeds 5v due to heat dissipation). See the wiring diagrams below.
No regulator - If you will already have a regulated 3.3v supply, there is no need to use a regulator on the RN2483 board. The board will be shipped with a 4.7uf cap installed on the pads for the output capacitor, but no regulator or input capacitor.
ZLDO1117 - The ZLDO1117 is one of the best 1117-series regulators available, and provides a dropout of around 1.1V at maximum load (meaning a minimum of 4.4 V input to get 3.3v out), and permits a maximum input voltage of up to 18V.
AP2114 - The AP2114 is a modern LDO regulator that has much lower dropout than the 1117 series, as low as a few tenths of a volt. This allows it to put out 3.3v when powered from a 1S LiPo battery. However, the maximum input voltage must not exceed 6 volts. | 2019-04-25T15:46:23 | https://www.tindie.com/products/DrAzzy/lorawan-rn2483rn2903-breakout-board-assembled/ |
We have lived in many homes and some have been easier to live in than others. When we were building a home we took many of these measurements into consideration. When I started decorating my home I used more of these measurements to have my home function and look the way I wanted it to. I’m sharing 10 Measurements to Use While Decorating Your Home for comfort and visual appeal.
Kitchen Counter Tops– The standard counter top height is 36 inches, also allow for 15-18 inches of space between the counter top and the bottom of the upper cabinets. I personally would allow for as much space between the bottom of the cabinets and the counter top as possible. It may sometimes have to be used as a prep area and also a serving area so I like a good 18 inches of vertical space.
Kitchen Island– The island should be about 38 inches high (a little higher than the counter tops) to be comfortable for standing food prep. It also makes it easier to find bar stools that fit the island comfortably. Have the island counter extend beyond the island to make space for a few bar stools.
Light Fixtures– The bottom of a dining room chandelier should hang about 34 inches above the table. To find out how big an overhead light fixture should be just add the length and width of the room in feet, whatever number you come up with, convert it to inches for the light fixture’s diameter. So a 16 by 20 foot room would need a 36 inch wide chandelier.
Light Switches– Install light switches 36 inches from the floor and about 2 inches to the side of the door trim. The house we are in right now has the light switches about 10 inches in from the door trim and it is a pain hunting for the switches in the dark.
Paint– One gallon of paint will cover about 400 square feet of wall. Make sure to take in doorways and windows when measuring an area for paint. Unless, of course, you want some extra paint for future touch-ups. Which is always a good idea.
Curtain Width– Curtains should be 2 1/2 to 3 times the width of the window. If you’re using two panels, each should be about 1 1/2 times the window width. Use a rod that’s 20 inches wider than your window so it extends 10 inches on each side. Your window will seem much larger than it really is.
Curtain Height– Mount curtains as high as possible to give the room more height. The curtains should also go all the way to the floor and puddle an inch or two. Curtains that are mounted just above the window can make the room seem smaller.
Rugs– Rugs have a lot of rules, so here’s just a few I follow. Rugs under a table should be 24 to 30 inches wider and longer than the table, so the back legs of the chairs stay on the rug when moved out. Another popular idea in the living room is to have the front legs of all the furniture on the rug and the back legs off. In the bedroom an area rug should extend about 18 to 24 inches around the bed. That’s just a few suggestions. Maybe I’ll do a whole post on rug placement and size later.
Artwork– Artwork should be hung close to eye level which of course varies from person to person, so a good rule is that the bottom of the frame should be about 60 inches from the ground. If you have multiple frames consider the grouping as one piece. Also with multiple frames the frames should be about 2 inches from each other. I like to arrange my grouping on the floor take measurements then move it to the wall.
Walk Ways– Walk ways should be at least 36 inches wide. Think about this when deciding on furniture placement, especially if you have an open floor plan and you need to get from area to area.
I hope these measurements are helpful to you as plan the decorating and placement of things in your home. | 2019-04-22T09:19:29 | https://organizeyourstuffnow.com/10-measurements-decorating-home |
While using the "Client-Oriented" organization philosophy, a rigorous top quality command process, highly developed production devices and a potent R&D workforce, we normally provide high quality products, outstanding solutions and aggressive charges for Sauna Pants Making Machine , Pants Making Machine , Sauna Clothes Making Machine , to forge a brilliant future by our cooperation.
"Which has a complete scientific excellent management technique, excellent quality and very good religion, we earn good name and occupied this field for Sauna Pants Making Machine , Pants Making Machine , Sauna Clothes Making Machine , Our factory is equipped with complete facility in 10000 square meters which makes us be able to satisfy the producing and sales for most auto part merchandise. Our advantage is full category high quality and competitive price! Based on that our products and solutions win a high admiration both at home and abroad. | 2019-04-19T12:44:08 | https://www.kydultrasonic.com/dp-sauna-pants-making-machine.html |
NBYT homeschool classes begin on Tuesday, January 22, and run for a ten-week session (with some planned weeks off). All classes meet at the New Britain-Berlin YMCA Program Center at 362 Main Street in the Kensington section of Berlin.
For more information, or to arrange a visit to NBYT, please call 860-515-8115 or email [email protected].
A performance and production class for children ages 8 through 14 is offered in two ten-week terms beginning in September and January—each term focusing on a different theme or style of theater.
In Spring 2019, the theme will be GET IN, CHARACTER! We’ll begin with a brief history of theater and with some discussion about how actors develop characters. Then each student will choose a character from classic or modern theater, and will thoroughly develop character choices through elementary script analysis, rehearsal, and games and activities designed to build character choices. Short monologues will be rehearsed, costumes will be designed and assembled, and students will write or devise scenes between characters from wildly different worlds! As always, we’ll end with a daytime and evening performance for family and friends.
Students will get a basic understanding of improvisational theater concepts such as story building, environmental awareness, saying “yes,” and making and accepting dramatic offers. The group is introduced to short-form improv games designed to build teamwork and reinforce basic concepts. No prior experience in theater or improv is necessary, and participants will be able to take what they learn and use it to not only become better actors, but also better listeners and speakers. Experienced performers will be challenged to expand their skills and stretch their choices. | 2019-04-21T14:20:38 | https://nbyt.org/classes/homeschool-enrichment/?shared=email&msg=fail |
This is an opportunity for you to work with some extraordinary and aspirational students, in a developing area of East London. The Gascoigne community is a very special place and we are privileged to be building a school at its heart. The school is driven by the dreams, aspirations and ambitions of our students and the wider community and we would love you to join us in helping us to build a school which will drastically improve the life chances of our young people.
Greatfields opened in September 2016 and will eventually grow to become a 10 form entry school with 1800 pupils, including sixth form, in purpose-built new accommodation. We currently have Years 7, 8 and 9 and are situated in the first phase of our permanent accommodation. Aspiration is at the heart of everything we do and we believe that every child has the right and potential to achieve their ambitions.
We are looking to recruit an ambitious Teacher of Geography who shares our vision and ambitions for the young people of this community. This role is suitable for an NQT. You will be joining a highly motivated and passionate group of staff who work tirelessly in the best interests of the students. Staff development is central to everything we do and you will receive weekly coaching sessions; a personalised CPD programme which best fits your needs; and clear pathways for progression.
Please click here to view a short video featuring our headteacher and staff.
To apply for this role please go to our website and fill out an application form. If you would like more information about the role please feel free to contact the school on the e-mail address below.
The school is committed to safeguarding and protecting the welfare of children and as such all appointments are subject to an enhanced DBS (CRB) check. Appointments are also subject to satisfactory references/medical clearance.
Closing date: Friday 26th April at 12 noon. | 2019-04-20T02:21:37 | https://www.tes.com/jobs/vacancy/teacher-of-geography-barking-and-dagenham-1187784 |
This entry was posted in Perception, Poetry and tagged art, creative writing, Living, nature, observation, philosophy, poems, poetry, questions, vision, writing by robert okaji. Bookmark the permalink.
I always enjoy Scarecrow’s observations.
Thank you, Merril. Scarecrow has been rather quiet lately, but I hope he makes an appearance sometime soon.
You know, Bob, I don’t see too many scarecrows around here but I will never look at them the same again! I love how you so personably show us the world from “his” perspective!
Ha. I do enjoy Scarecrow’s perspective. He’s more innocent and much wiser than I!
Scarecrow has certain limitations, granted, but “sense more vision than sight” seems to me an enviable advantage … especially when stuck in one place.
I’ve often wished to have such vision!
And what is the empty shoe without it’s foot? | 2019-04-26T09:45:32 | https://robertokaji.com/2019/04/15/scarecrow-sees-2/ |
Freedom is a beautiful thing. Live and let live. No person or institution using force to impose it’s will on another human being.
It’s a wonderful goal that we should all aspire to in our lives and in our dealings with others. Unfortunately though, for most, personal freedom remains a starry-eyed fantasy, an elusive “if only”. That’s unfortunate, because most of the shackles that enslave us are of our own making: self-limiting beliefs, a refusal to venture out of our “comfort zone”, and allowing fear of failure or fear of rejection by others control our actions.
Futhermore, self-imposed financial shackles like suffocating debt and an uncomfortably high lifestyle burn-rate mean we often go to work each day not because we want to, but because we have to.
The first and most important step we must take to end this cycle of self-sabotage and achieve personal freedom is to free our minds. We can never truly be free as long as we are seeking approval and validation from others. This is much easier said than done because this requires undoing much of the “training” we have received since childhood. This is a big topic that deserves a blog post of it’s own but I’m going leave it there for now.
Once you get that right, I believe the second most effective measure you can take to achieve greater personal freedom is to build wealth. Financial freedom enables you to pursue your happiness, whether that means spending more time with family and friends or traveling the world and experiencing different cultures.
Financial freedom also empowers you to exercise your most fundamental and consequential voting right; the right to vote with your feet.
The pursuit of freedom is ultimately what this blog is about. If this is important to you, identify those activities that materially increase your freedom and spend your limited time and energy there. Let me give you a head start: politics and religion don’t make the cut. In fact, most of what is generally accepted by society as important won’t make the cut. The truth is, “society” doesn’t give a damn about your freedom and would actually just prefer a good citizen who falls in line and can easily be controlled.
Remove your self-imposed shackles. Free your mind and then invest time and energy increasing your wealth, and by extension, your freedom. I guarantee it will change your life. It has certainly changed mine. | 2019-04-19T22:42:31 | http://diyinvestor.me/the-pursuit-of-freedom/ |
It features a unique combination of an electric supercharger to deliver immediate response supported by a twin scroll turbocharger and Continuous Variable Valve Lift, which boosts power and help the engine to breathe with maximum efficiency. These performance-boosting technologies, combined with Mild Hybrid Electric Vehicle (MHEV) technology, optimises performance, fuel economy and reduces emissions. The MHEV 48V system uses a small integrated electric motor to harvest energy lost during deceleration, and then intelligently redeploys it to assist the engine to maximise efficiency.
The in-line six-cylinder petrol engine is 20% more fuel efficient than the V6 petrol engine it replaces and is fitted with a Gasoline Particulate Filter, reducing particulate emissions by up to 75%.
The new Ingenium engine has been designed and developed in-house and will be manufactured at Jaguar Land Rover’s £1 billion EMC in Wolverhampton, alongside the current four-cylinder petrol and diesel engines. The 200,000 sqm site is a ‘zero waste to landfill’ facility with everything used being recovered and recycled. Jaguar Land Rover sources 100% renewable electricity for its UK facilities and over 21,000 photovoltaic panels are installed on the roof of the EMC plant, allowing it to generate up to 30% of the site’s energy.
JLR wants to enable customers to make an informed decision on the best Ingenium engine technology for how and where they drive, whether that is fully electric, hybrid, petrol or diesel. | 2019-04-26T14:58:33 | http://www.privatefleet.com.au/blog/makes-models/jaguar-land-rover-six-straightens-up/ |
As managing director, Prathna works collaboratively with MLA’s Board of Directors to set overall strategic and operational objectives for the group. She is responsible for leading key activities of Maple Leaf Angels Capital Corporation and managing the MLA48 Fund I & II Limited Partnerships - Ontario’s first Angel funds making investment decisions in 48 hours. Prathna also serves as Chief Compliance Officer of MLA and is responsible for overseeing compliance within the organization and ensuring adherence to Ontario Securities Commission regulatory requirements, policies and procedures. | 2019-04-26T14:29:42 | https://www.ocediscovery.com/agenda/speakers/412783 |
We all lack motivation at times, and it's really frustrating not to want to do those things that will actually benefit us. When there's no get-up-and-go tiredness and boredom are sure to follow, making matters worse.
So how can you overcome inertia, experience the sensation of flow in your life, and reap the rewards of being enthused?
Motivation is so important because it enables you to achieve what you want. It is the glue that holds the whole process together. It is also a key component to building confidence. When you follow through on a positive idea, you honour and respect yourself in a way that makes you feel powerful. | 2019-04-24T04:30:06 | https://www.key-to-self-confidence.com/motivation.html |
You can make cheap calls to Anguilla from your existing landline or mobile phone. There are no new accounts to open and as our services are charged through your existing phone company, there are no new bills to pay. Call Anguilla for FREE from your landline or mobile phone.
Phone Anguilla using our instant dial access numbers or use one of our top up services, we offer the best rates for calling Anguilla. You can use our service to save money from your home, work or mobile.
You can make cheap calls to Anguilla from your landline or mobile using our unique instant dial access numbers. Simply dial the access number and at the prompt dial the Anguilla number starting with 001264, followed by the national number.
If your landline or mobile tariff includes calls 0870 numbers, you can call make FREE calls to Anguilla.
Simply dial the access number and at the prompt dial the Anguilla number starting with 001264, followed by the national number.
Make cheap calls to Anguilla from both your landline or mobile with our top-up services. You can top your phone up with international calling credit by text, telephone, Paypal or a credit / debit card. Call Happy credit can be used from any landline or mobile*.
Other top up options are availble please visit Anguilla top ups for further options. | 2019-04-19T16:42:28 | http://www.callhappy.co.uk/cheap-calls-to-anguilla |
Stylish Women Spirit High sneakers Core Black/Core Blac | Cheap Online Shop - Adidas Boutique Shop!
adidas by Raf Simons introduces a contemporary classic with the Spirit High sneakers, made from black fabric. The upper is imprinted with the designer's initials and set on a black rubber sole. Wear the high-top pair with black leather leggings and a loose white top for an urban impression. | 2019-04-25T08:58:42 | http://www.thestylehanger.co.uk/adidas-womens-shoes-c-177/stylish-women-spirit-high-sneakers-core-blackcore-blac-cheap-online-shop-p-140.html |
SLEIGHT BETTY M (Nee Wood) Peacefully passed away in her sleep at home on January 21, Betty, aged 88 years of Saltburn. Wife and best friend to Chris. Fun loving mum to Jolyon and Margot. Funeral service will be held on Monday February 11 at 11.00am in Kirkleatham Crematorium. Donations if so desired to The Salvation Army and Dementia UK.
Betty was a beautiful lady with a heart of gold and will be missed greatly. Betty could always make you smile on the worst of days. Thoughts to Chris and his family.
Sleep tight Betty. You will be missed. | 2019-04-19T16:47:46 | https://funeral-notices.co.uk/national/death-notices/notice/SLEIGHT/4670012 |
Tell us a bit about yourself (name, location, affiliations, achievements/awards, and any personal stuff you want to share).
My name is Mandi Flint and I'm a right handed Leo born in the year of the boar. I'm a hippie-liberal type from Austin, who went to school at Texas A&M for a history degree, then moved to Dallas. I'm an artist, peace activist, feminist, and I have a bead addiction. I've been beading since I was 10 when my grandma gave me her loom. I had my first jewelry show at age 12, nearly sold out, and made $78. I thought I was rich! Lately I've experimenting with other ways to use beads besides jewelry. I love writing, so I was already a fan of the G2 Pilot Pens for the fun colors and the smooth gel ink. The only problem was they looked so ordinary. I combined the pens with my passion for beading and BANG, Scribble Scrabble Beaded Pens was born.
That’s a hard one, so I’m glad it’s the first thing you remember making. My grandma taught me to sew at a very early age. She got me a book that had several sewing projects in it. I think the first was a bag to keep all my sewing supplies in. She allowed me to choose any fabric from her large and deliciously colorful stash. I chose a green fabric that had big pink hibiscuses on it. I think I still have it somewhere!
I create because it’s a meditative freedom. My mind and creativity are free to go anywhere they want without hindrance. Whatever I’m feeling goes into what I’m making, and I love that I can just lose myself in it.
I’m deeply inspired by other artists and the stories behind their work. I’m also inspired by nature, color, feelings, even books.
What are your most and least two favorite films? My favorite is a toss up between Boondock Saints and Pulp Fiction. My least favorite film has to be What Dreams May Come just because I don’t like the way it affected me.
Cradle to Cradle: Remaking the way we make things. It’s really changing how I look at things and what I choose to buy. It gives the word consumer a whole new meaning.
What is your favorite item you have purchased on Etsy?
I’m going to go with my red velvet cupcake pin cushion! My beading needles just weren’t happy with the boring old tomato pin cushion.
Now I have to choose which photos I'd like included! | 2019-04-21T02:33:17 | http://mandibeads.blogspot.com/2007/07/interview.html |
A variety of hotels are currently around in Sanibel Island to give you the very best accommodations feasible. These Sanibel Island hotels can be identified into different classes, consisting of the family members Sanibel Island hotels, love hotels, high-end traveling hotels, experience hotels, coastline hotels, day spa hotels, golf hotels, and also even gay and also lesbian hotels.
To aid you begin on planning your Sanibel Island trip, below are some of the most widely known Sanibel Island hotels that fall under such stated classifications.
Sundial Beach Resort: This resort is stated to be the largest hotel on Sanibel Island. It does not have affection though, yet of all the readily available family members Sanibel Island hotels, this is yet the one with whole lots to keep households inhabited, from a palm studded, beachside pool area to a free of charge marine biology programs and also a little ecology center with a touch storage tank.
Sanibel’s Seaside Inn: According to specific Sanibel Island hotels evaluations, this comfy and also friendly Trick West-style facility appreciates a peaceful area near the island’s southeastern end. It has duplex, 1960s-style homes that are large and also brightly supplied one bedroom homes, and also if you can do without a kitchen area, you can have the beachfront resort areas whose evaluated decks face the Gulf.
Track of the Sea: Popular with Europeans, this beachside inn offers motel-like effectiveness and also one bedroom suites with plantation-style shutters behind sliding glass doors open up to evaluated decks. Unlike in other love Sanibel Island hotels, you do not need to anticipate a great deal of extra room in the suites, whose bedrooms are barely large sufficient to hold their king-size beds.
Sanibel Inn: At this beachside inn, a back to nature theme prevails. You can locate the room decor and also the premises grown with native Florida foliage to draw in butterflies and also hummingbirds. The areas of this resort are totally geared up, large and also clean, and also all have evaluated decks to keep mosquitoes out.
Sanibel Harbour Resort and also Medical Spa: This is yet among the widely known Sanibel Island hotels that are sporting activity oriented. It is private, yet the major resort and also the store design inn are both modern and also glamorous throughout. Just like the other Sanibel Island hotels, all of the areas and also the majority of the condo homes at this area have fantastic water and also island sights from their balconies, consisting of the magnificent sunsets over Sanibel. If tennis is your video game, this resort has 8 clay courts and also a 5,000-seat stadium that has held Davis Mug matches.
Diamond Head Beach Resort: This is an elegant, 12-story and also beachside structure that has comfy one-bedroom homes. As one of the widely known coastline Sanibel Island hotels, the beachfront homes of Diamond Head Beach Resort are the most attractive, yet every device has a sight. Likewise, all areas were restored and also there’s a full-service restaurant inside.
Casa Ybel Sanibel Island Resort: One of the very best Sanibel Island hotels, this all condo property sits on 23 acres of beachfront property on the historic website of the island’s very first beachfront resort, the Thistle Lodge. Right here, you can enjoy fantastic food and also wonderful Gulf sights. Likewise, with upstairs bedrooms, the town house-style systems provide more privacy than many Sanibel Island hotels and also condominiums. | 2019-04-21T10:53:11 | http://lawandamericanlawyers.com/sanibel-island-hotels.htm |
Pool and spa deck repairs are often necessary because exposure to direct sunlight and varying temperature cycles make the deck expand and contract, causing damage. Additionally, an aged pool deck often suffers from cracking because of significant settling over time.
As a result, necessary repairs can range from fixing small cracks in the deck’s surface to sealing off coping from the bond beam trim. By appropriately identifying what is causing the cracks — rather than just filling them in — you’ll ensure that the repair will be long-lasting and won’t just be a band-aid fix.
Is the pool deck serving a structural purpose?
Is the pool coping cracking?
Was the decking improperly installed, which may be resulting in drainage issues?
Are pool tiles popping off?
How large and deep are the cracks?
Once the problems and their severity are identified, selecting the most appropriate pool deck repair product for the job is the next step. AquaBond offers professional deck repair products to fix a wide variety of pool deck problems. If you're not sure which one is the best choice for your particular situation, give us a call at 714-961-1420 Ext 1. We'll be happy to provide some technical advice.
AquaFlex Underwater Sealant On an in-ground pool, the coping was improperly installed over a weak bond beam which has resulted in cracking. Without having to undergo a costly pool deck repair, this product can be used in wet conditions to re-bond the coping. And is flexible enough to accommodate deck shifts and movement without compromising the integrity of the bond.
Structural Repair Adhesive Due to stresses put on the bond beam, long horizontal cracks are occurring on the pool floor, and tiles are popping off along the inside of the pool trim. This high-strength, two-part acrylic adhesive provides superior adhesion and sets up in just 5 minutes.
Concrete Repair Epoxies Use our self-leveling or non-sag concrete repair compounds to repair spalled or cracked concrete pool decks, cantilever decks or pavers – even in high-traffic areas. These products provide a clean, durable finish, are sandable and paintable, and harden in 30 minutes.
Waterproof Permanent Gap and Seam Fillers Can be used anywhere you would use silicone caulk, but with the added advantage of permanent flexibility! UV stabilized and non-sag, they stay put on vertical, horizontal or sloping surfaces, skin over in five minutes and fill up to a 1/2" gap.
AquaStitch Concrete Crack Repair Staples Our revolutionary Stress Proof Stitch concrete crack repair system designed to permanently stabilize and repair major structural cracks in concrete, gunite and shotcrete swimming pools and pool decks. Not just simple staples, these mechanical stitches give cracked concrete a long-lasting repair that’s both mechanically AND structurally sound!
Successful pool deck repair depends upon the quality of the products used. We guarantee that when you use AquaBond products, the quality will exceed your expectations. | 2019-04-20T08:20:56 | https://aquabondadhesives.com/pool-deck-repair |
An exclamation point inside or next to a triangle means a problem with tire pressure, probably a low tire. By itself, an exclamation point means one of your guages or sensors is registering a problem, check your manual. It is not an engine check light.
Natalie, if that light is coming on, it is warning light for your TPMS or Tire Pressure Monitoring System and it would come on for one of two most likely reasons: low air pressure or a bad/faulting TPMS sensor. | 2019-04-26T03:42:13 | https://www.askpatty.com/advice/answered/2012-07-volkswagen-beetle-3943 |
Oval Label/stickers are used for various purposes. They stick anywhere and look great doing it. They also make great advertising for you business. Plus, they are the perfect shape and style for hard hats. Oval stickers are the universal sticker that can be used for just about any application. | 2019-04-24T11:51:06 | http://www.addprintingpackaging.com/Custom_Oval_Labels.php |
We’ve had a full and exciting few months, and it seems that our work is becoming increasingly focused not just on celebrating the natural environment, but learning more about efforts to take positive action to halt the saddening decline in non-human species. Two major reports were released in October: the Intergovernmental Panel on Climate Change (IPCC) Report detailing the impacts of, and options to reduce, a rapidly rising global temperature (headlines here) and the Living Planet Report summarising an alarming decline in biodiversity. These are sobering, to say the least, but are also a call to action inspired by a love of, and an urge to care for, the planet. We’ve been privileged to spend time with climate scientists, conservationists, campaigners, farmers, educators and others whose expertise and passion drive them to value and work with land and sea. This feeds into our own work and we’re enjoying combining research and brow-furrowing conversations with plenty of time outdoors, enjoying the simple pleasure, and wonder, of watching autumn come into full flush. As part of this, we’re delighted to be growing our somewhere-nowhere ‘family’. For this and more, read on! | 2019-04-18T13:24:00 | https://artdotearth.org/somewhere-nowhere-news-2/ |
For most people with a desire to lose weight or maintain weight loss metabolism seems in come into question. Most will say there metabolism is too slow. All of us will notice with age that we can’t eat the same way we did when we were younger and get away with it. For some reason now the calories leave their mark in added body fat when they wouldn’t have even just a few years ago. Many with a history of excess weight point to a lifetime of slow metabolism as the root cause. Can one truly have a slow metabolism? Can we change our metabolism? First we need to look at what metabolism actually is and how it works. Once we have an understanding of that we can realistically set about to make changes of what we can control.
The word metabolism refers to all the chemical reactions that occur in a living organism including digestion, transport of substances into and between cells, the breakdown and build-up of substances for releasing and storing energy and the elimination of waste products. A person’s Basal Metabolic Rate is the minimum caloric requirement to sustain life in a restive state. This includes energy needed to complete the above mentioned chemical reactions as well as things like the body rebuilding and healing, respiration, the pumping of blood and maintaining body temperature; these all burn calories. The BMR is the largest factor in determining a person’s metabolic rate responsible for around 70% of energy usage. There is little you can do to change your BMR. Some contributing factors to BMR are age (we lose about 2% per decade) body surface area (a large surface area equates to a larger metabolism). Contrary to what is generally believed a fat person has a higher metabolism than a skinny person (fat burns about 3 calories per lb. per day). Body temperature as well as external environmental temperature may increase metabolism. Body composition too is a factor (more muscle means a higher caloric burn rate). Prolonged starvation can significantly lower metabolism. Genetics as well as hormonal health (thyroxin is a BMR regulator) are also major factors.
Your total metabolism is your BMR plus your activity energy expenditure (10-20% of energy use) and finally diet induced thermogenesis (energy used during eating and digestion).
Dieting is what we do when we want to lose weight unfortunately any diet will lead to a slower metabolism. When we eat less calories a number of things happen; you become smaller and smaller means your body needs less calories so you have to continue to eat less. The next thing that happens is our bodies try to compensate by becoming more efficient with the calories you do consume (this takes only a matter of weeks). Follow this with the body breaking down muscle to fuel itself which again lowers your requirement (1 lb. of muscle burns around 7 kcal per day). Then of course there is the fact that the brain sends out hunger signals trying to get you to eat more. Sounds unfair, but it’s the way our species survived famines.
Technically we are not actually going to boost metabolism, but rather minimize its slowdown while trying to reduce body fat. Here are 5 steps to aid metabolism.
1) Eat more frequent smaller meals. Think of a furnace you put fuel in and the fire grows. Eating increases the thermic effect of food (calories used for digestion and mastication) keeping your metabolism from falling into starvation mode.
2) Eat more protein and fiber. Protein and fiber can keep the metabolism from falling. Protein requires more energy for digestion than either carbohydrates or fats so you will realize less of the calories consumed. Fiber also helps to keep you full longer so the hunger signals are more avoidable. Cutting carbohydrates in the form of simple sugars and starches reduces insulin response. This equates to a net gain of 250+ calories in metabolism per day.
3) Don’t restrict calories excessively. Drastic calorie cutting will significantly erode your metabolism. Eat at minimum 10 calories per pound of body weight. Remember BMR accounts for 70% of your caloric intake. The brain is the biggest user of energy in the body at about 20%. These need to be fed.
4) Do resistance training. Muscle building exercise will help spare you from muscle loss by preventing their breakdown to a fuel source. Remember more muscle means more metabolism. Try to do either weight training, resistance bands and even body weight training 2-3 times a week. The workouts should be full body and progressively difficult.
5) Go slow. A person who drops from 180 lbs. to 150 lbs. will not burn as many calories per day as a person who was always 150 lbs. This is a sad recently discovered fact. Essentially their body wants to return to 180 lbs. as its set point (weight it wants to be at). To combat this, lose only about 5-10% of your body weight then maintain. Your body will readjust its set point in a little less than 6 months. At this point the metabolism will become less efficient and it will be easier to maintain the weight loss or you can more easily lose more.
One last detail is sleep. Your body goes through remodeling as you sleep and this requires time. Try for at least 7-8 hours a night. Now it’s time to begin your transformation. Enjoy. | 2019-04-19T07:01:35 | https://www.ultimatehlth.com/blog/5-steps-to-boost-metabolism |
It is used for many health problems like allergy signs, asthma, adrenal gland problems, blood problems, skin rashes, or swelling problems. This is not a list of all health problems that HP Acthar (corticotropin) may be used for. Talk with the doctor.
What do I need to tell my doctor BEFORE I take HP Acthar?
If you have an allergy to corticotropin, pork, or any other part of HP Acthar (corticotropin).
If you have recently had surgery or if you have any of these health problems: Brittle bones, fungal infection, heart failure (weak heart), herpes infection of the eye, high blood pressure, poor adrenal function, scleroderma, or ulcer disease.
This is not a list of all drugs or health problems that interact with HP Acthar (corticotropin).
Tell your doctor and pharmacist about all of your drugs (prescription or OTC, natural products, vitamins) and health problems. You must check to make sure that it is safe for you to take HP Acthar (corticotropin) with all of your drugs and health problems. Do not start, stop, or change the dose of any drug without checking with your doctor.
What are some things I need to know or do while I take HP Acthar?
Tell all of your health care providers that you take HP Acthar (corticotropin). This includes your doctors, nurses, pharmacists, and dentists.
This medicine may raise the chance of high blood sugar (diabetes). Talk with the doctor.
Have your blood pressure checked. Talk with your doctor.
Talk with your doctor before getting any vaccines. Use of some vaccines with HP Acthar (corticotropin) may either raise the chance of an infection or make the vaccine not work as well.
Have your eye pressure checked if you are on HP Acthar (corticotropin) for a long time. Talk with your doctor.
This medicine may cause harm to the unborn baby if you take it while you are pregnant. If you are pregnant or you get pregnant while taking HP Acthar (corticotropin), call your doctor right away.
How is this medicine (HP Acthar) best taken?
Use HP Acthar (corticotropin) as ordered by your doctor. Read all information given to you. Follow all instructions closely.
If you will be giving your child the shot, your child's doctor or nurse will teach you how to give the shot.
Follow how to give HP Acthar (corticotropin) as you have been told by your child's doctor or read the package insert.
Before giving the shot, let it come to room temperature. Do not heat HP Acthar (corticotropin).
Do not stop taking HP Acthar (corticotropin) all of a sudden without calling your doctor. You may have a greater risk of side effects. If you need to stop HP Acthar (corticotropin), you will want to slowly stop it as ordered by your doctor.
What are some other side effects of HP Acthar?
How do I store and/or throw out HP Acthar?
Some drugs may have another patient information leaflet. Check with your pharmacist. If you have any questions about HP Acthar (corticotropin), please talk with your doctor, nurse, pharmacist, or other health care provider. | 2019-04-20T14:39:59 | https://www.drugs.com/cdi/hp-acthar.html |
HENNIKER, N.H. – A three-point performance by Katie Leffler (Key Largo, Fla.) and 16 save showing from Olivia Petito (St. Augustine, Fla.) lifted women's hockey to a 4-0 New England Hockey Conference win over New England College Friday afternoon Lee Clement Arena.
Petito collected her first collegiate shutout, win and start in Friday's contest, as the Beacons got back on the winning track. Along with the strong play of their freshman netminder, UMB's special teams were also solid as they finished 2-for-3 on the power-play.
Along with Leffler's three points, Edy Moritz (Guilford, Conn.) recorded her first two-goal performance of her career. Leffler led the Beacons with a goal and two assists as the Beacons continued their impressive win-streak over NEC.
Moritz got the Beacons on the scoreboard midway through the first period, after dominating the first half of the opening frame.
UMB continued to roll offensively in the second period with Jane Morrisette (Pembroke, Mass.) and Leffler each finding the back of the net in the span of six minutes. With a comfortable 3-0 lead, the Beacons defense did the rest of the work as they neutralized the Pilgrims offense.
The final period belonged to the Beacons as Petito capped-off the win with five saves, while Moritz netted her second goal of the day to secure the victory.
The Beacons will host Johnson and Wales University tomorrow at 2 p.m. The game was moved up an hour due to the snow in the forecast. | 2019-04-24T13:47:10 | http://www.beaconsathletics.com/sports/w-hockey/2018-19/releases/20190118sua14k |
The Loar has introduced the LO-215 and 216, two small-body single-0 guitars with a 25.4-inch dreadnought scale length.
The street prices for these models start at $389.99.
Both models are flat tops benefit from the light weight of small-body guitars, but they the longer scale, which can provide extra volume. The LO-215 starts with a solid Sitka spruce top on a classic 0-style body. The dreadnought-scale length means the strings have greater excursion, resulting in a good deal of punch and projection.
"The Sitka spruce combines with the flamed maple back and sides for a bright, sweet tone that’s great for any style of music. Our 1-11/16” bone nut is comfortable for either fingerpicking or strumming, and the vintage-style Golden Age tuning machines keep the 215 in tune through extended playing sessions. The ivory body binding gives the LO-215 a refined, classic look that complements the vintage sunburst finish and firestripe pickguard.
"We’ve built the LO-216 guitar with all of the same features, but with mahogany back and sides for players who prefer a slightly darker tone. We’ve finished the mahogany models in either natural or classic black, for a historic look that will definitely get attention. The black especially pops against the vintage firestripe pickguard.
For more about The Loar's archtops, flattops and mandolins, visit theloar.com. | 2019-04-23T08:01:29 | https://www.guitarplayer.com/guitaraficionado/the-loar-introduces-lo-215-and-lo-216-small-body-acoustics |
Preacher: Pastor Joel Long (1), Evangelist Ben Haupt (1).
1 Samuel 21:1-15 (Part of the Topical series).
Preached by Pastor Joel Long on March 4, 2018 (Sunday Evening). | 2019-04-21T16:46:56 | http://tbc-w.com/messages/?book=1%20Samuel |
People use paint to coat various types of furniture, wooden home building such as poles and even house frames. The strength of a paint product depends on the formula it uses. If you choose a paint product with a bad formula, it will have a faster breakdown speed. you must do the recoating process in about one year. It takes your time and you should spend more money. You must remove the coating layer or the old paint then finishing from the beginning again. You get another problem if your frame is damaged either by mold or by termites. You never know the best paint product so you have the reasons to visit us.
The wrong layer of paint can also cause more problem. Frames are usually made of wood, metal, and glass. However, most wood materials are often used because wood has a mass or shape that adjusts the weather. When it’s cold, the wood will shrink while when it’s hot the wood will expand. These advantages make wood not quickly damaged.
You must have a lot of keys for all the rooms in your house, right? If so, then you may have left the key everywhere. No wonder there are many people who often lose their home keys. If you also experience it, then you can replace your home key with a digital key. However, this digital key is also inseparable from various problems. If you encounter problems with your home digital key, you can use the services of the look at this.
Most digital door locks are equipped with sensors that can make your home door lock automatically when closed and do not need to carry a manual key. In fact, some digital key systems allow you to set a timer for the door so that it can lock automatically at the time you specify. The use of digital door locks certainly increases the security and comfort of your home.
You can create PIN code access for digital keys that can only be used once. For example, you let a guest open the door of your house by giving him a PIN, but the code can only be used once and the guest can no longer access your house. This feature can provide a high aspect of security to your home.
If you have children at home, you can also use digital door locks to monitor their activities. You can effectively reduce the chances of a house key being lost due to being played or taken out by children.
Some digital keys can even be opened via Bluetooth. Therefore, you can be notified directly through your smartphone whenever someone enters the house with the Bluetooth key feature. You can keep an eye on your children, so you can monitor and supervise children at home from wherever you are.
Actually, how to repack the wall outside the house is not so complicated compared to the first. Because you only need the same color paint and coat the tips on the wall you want to repaint. But there are ways and tricks too so that the paint can stick perfectly and not easily peel or bubble. This method is also often done by artisans of wall painting and even many people have already tried it. To shorten the time, here are the steps you can follow!
With an age that is quite old, of course, the paint will experience changes especially in the power of elasticity, faded colors, and even those that peel off. So the first thing you need to do is to pay attention to the paint changes on the wall, if it’s still good, you can immediately repaint.
Actually, these tips are still related to the first point that observed damage to wall paint. Because of age, sometimes bumps, dust, or other dirt that sticks to the wall. So clean it first (you can also sand it a little) and pay attention until the surface of the wall is completely flat and clean from dust.
Glue is one of the alternative materials that you can use to increase adhesion and make the paint shinier. Because generally wall paint uses water to regulate viscosity, so it’s good if you dissolve wood glue first and then mix it with paint. Simple, but you have to pay attention to the level of thickness. Don’t get too runny or too thick.
You can use a special brush so that the results obtained are better and save paint usage. Use an ordinary brush that is cheaper but results are smoother and faster. But you can also use a brush roll if the wall is not reached by your hand.
In this article, we will discuss the tips on buying CCTV, which will be further reviewed so that you can make it as reference material, let us see together the following explanation. Apart from that, you may also need to take a look at the excellent and recommended Company of check my source.
The rapid growth of electronic products certainly makes consumers confused. Every time there are always new products launched. So do not close the possibility of new technology you can get easily.
It is also not much different from the development of CCTV itself. Many products are offered with various advantages and uniqueness. Even so, you have to be more careful, which brand carries modern technology and the most details of excellence. That is what you can make as an option.
What needs to be one of the considerations is where you will later place the CCTV. Installed indoors or outdoors. Of course, CCTV specifications that will be installed indoors and outdoors are fundamental differences.
For CCTV that will be installed in the room not using water-resistant technology is not a problem. But for CCTV, which will be installed outdoors, it should use water resistant and strong technology against the heat of the sun.
Capability and the quality of images taken from a CCTV are also worth your attention before deciding to buy CCTV. If the resulting image is not too clear as to why you install CCTV, only waste.
A good enough resolution is really needed to determine the level of accuracy of the image that will be produced later. So that it is expected that if an adverse problem occurs, it can be immediately followed up based on the captured image it produces.
The carpet that you use at home is certainly dirty and you have to clean it shortly after the dirt has stuck to the carpet. Cleanliness of carpets must always be considered so as not to affect your health. Because dirty carpet will bring many diseases into your home. make sure you use the right carpet cleaning service get more info. One of the things you can use is the tile cleaning north shore.
There are lots of stains that can stick to your carpet. One stain that sticks to the carpet and must be felt by many parents is a vomit stain. Actually, there is the best way to deal with and eliminate the vomit stains on the carpet by cleaning it by sprinkling baking soda on the vomit. This method will make it easier for you to clean it. Next, clean the carpet using water that has been mixed with the floor cleaning fluid then wipe it clean.
To get rid of the smell of vomit, it can be done by using water that has been mixed with the floor cleaning liquid, followed by spraying the vinegar in the same section and sprinkling it with baking soda. Vinegar will neutralize the odor while baking soda will maintain the color of the carpet.
Let stand for 30 minutes. After that, clean the carpet using a clean cloth and warm water. Then let the carpet dry on its own. After drying, clean the carpet back by using a vacuum cleaner to lift the remaining dirt that is still left on the surface of the carpet.
Make sure the carpet is free of stains and smell of vomit that can invite a lot of germs to come. also, make sure that you clean it to the maximum so that no more stains are left behind. A clean carpet will make your child feel comfortable on it. Because carpet is usually the most comfortable playground for children. Make sure you clean it with proper and professional carpet cleaning services.
A website loading speed is a very important thing. When a customer visits your site and it loads slowly, then they may think that your website wastes a lot of their time. You should deal with this kind of a scenario as soon as possible. It’s because the longer you let this problem takes place, the more customers will change leave your site quickly. That’s why you need a good web hosting service and this can be a good solution for your online business.
You can hire a trusted web hosting service near your area. A good hosting company provides a complete package for website owners, so you may choose the one which suits your budget and necessity. We recommend you hire an experienced web hosting company. It’s because they have more experiences when they provide hosting services for website owners. Usually, this kind of company provides a good and stable loading speed for websites, and they also give sufficient space for storing your data as well.
The struggle to become an entrepreneur is really not easy and in an instant. There are many risks that must be borne by each business owner. On the other hand, the success achieved will be very beneficial for your life. Maybe you have a lot of brilliant ideas, a mature business plan, and a solid team, but if your business management is not done well, then this can be a waste. You must know this to keep the growth of your business and UNTERNEHMEN-HEUTE.
Every company must have operational funds. The biggest mistake of an entrepreneur is not having a budget for office operational needs. How do you measure profits if you don’t know how much money your company is spending? You can set a budget every month and increase the amount when the business is stable later. Do not let the pegs bigger than the pole. If you do not have an operating budget, you will tend to make mistakes in doing business.
Many people feel tired easily in the office, but there is a way to make you cannot feel tires easily. Therefore, women can feel comfortable when they put a bucket of flower in their workbench. The workbench will feel more beautiful and interesting when a flower put on it. Before it. you must find the right flower in flores medellin. The fresh flower can make your worktable feel fresh.
If you want to put a bucket of flower on your workbench, make sure you follow these tips. These are the right tips below.
You can choose the right flower before you put on your table. It because the right flower can make your mood feel comfortable and you can work maximally. You can choose your favorite flower to make your day feel better. If you put a bucket of flower on your workbench, then you cannot feel tired easily.
You can choose the right vase and suit for the table. You cannot choose the vase that bigger or even smaller rather than the table. Make sure that vase is suited with the flower that you like. The flower that has long stem can put on the long vase, and the flower that has small stem can put on the small vase. Make sure you choose the right vase. The combination of the right flower and vase can make your workbench looks beautiful.
You can put the bucket of flower in the corner of the table. If there are any tools in your workbench, then you can choose the small vase and put it on the corner of the table. It will make your table looks more beautiful and make you feel comfortable.
In fittings that are installed with lights with a large power or wattage, it will be easy to melt as a result, the attached lights will be difficult to remove when replacing the lights with new ones. In addition, lamp fittings mounted on the ceiling of the house will be prone to waterlogging due to leaky water from dripping raindrops. At the time of the rainy season try to check the house occasionally to see if there are flooded lamp fittings.
You have to tidy up the location of this cable so that it is not damaged by heavy loads or stretches tense at sharp angles that can result in peeling and disconnection of the cable which results in the electrical short circuit.
You can start checking the power cord if it is properly connected and there are no cables that are open or not isolated. You should also pay attention to the wires that are spread whether the nail clamps are still sturdy. After that, you must make sure that you close the chipped cable due to the bite of the mouse with special insulation of the electrical cable.
If you want to have a charming home, then maintaining exterior wall paint is an obligation for the owner. Choosing exterior paint cannot be arbitrary, because it will affect the assessment of people towards the house. Exterior painting woodstock has received various consultations regarding the exterior paint of the house to make it look beautiful and show the character of the house owner read this.
If the walls are moldy and peeling, the problem might come from rainwater seepage. Check windows, doors, roofs, and make sure there are no gaps. If you see a gap that allows water to enter, cover it with a mixture of waterproof silicone.
The right time to clean the wall is two weeks after the painting process is complete. At this time, the wall was completely dry, but still left some stains and dirt remaining. Regular cleaning will make the walls look cleaner. You should clean the walls once a month.
Spraying high-pressure water is indeed the easiest way to clean stains. But this method will actually quickly damage the wall paint at home. This is because high-pressure water sprayed can go between the walls. In addition, hydrostatic pressure can also push the wall up.
It’s also important to always check the wall for peeling even if it’s small. This peel can be a sign that there is a problem with your walls, such as a leak or damaged drainage. Don’t forget places that are always exposed to sunlight such as windows or door frames. Continuous sun exposure makes this part look dull compared to other parts of the wall. Therefore it is necessary to replace the paint layer every two years, to make it look brighter.
Today, many people are more interested in watching a video than anything else. Whether it’s a video for ads, video music or other videos. Many people are happier when watching videos than reading a paper in a newspaper video production company in singapore. So, finally, many business people make promotional videos for their business. If you can’t make it yourself, then it’s time to use the services of the video production house singapore.
the efforts of your video results are cooler, you need to sort out what content you will display in the videos you make. If the video is a compilation video from various moments that you have been through or have passed by someone you love. You need to sort out which important moments and pictures you will display in the video. Vice versa, if your video is a live action video, you need to sort which scenes you will display in the video.
You can try any of the effects that are most suitable for the video you are making. But keep in mind, too, do not give too much effect on the video that you make because if you eliminate the impression and message that you want to convey in the video. Use effects as needed only so that your video becomes more attractive without removing and overriding the message you want to convey to the person you gave the video.
You can make your videos become more alive by presenting the right background music. In this section, you can fill in your favorite songs or according to the theme of the video you are making. It’s a good idea to look for the song a few days before you edit the video. This is to make it easier for you so you do not need to find the right song when editing the video.
Consuming the right amount of alcohol certainly will not cause various dangers or diseases in your body. however, consuming alcohol in excessive amounts will obviously make you suffer from certain diseases. So, if you feel you are addicted to alcohol, you can go to addiction treatment center that will help you treat your dependence to alcohol. That way, you will get the right therapy and rehabilitation.
The amount of fluid in the body is very helpful for alcoholics in detoxifying their bodies. They must consume at least 3 liters of water per day so that all the poisons in their bodies can be wasted. The amount of fluid that enters will make it easier to eliminate and dissolve toxins in their bodies.
There are many fruits and vegetables that are believed to be detox for those of you who have consumed too much alcohol. the one you can choose is beetroots and carrots. You can choose between fruits and vegetables that you can make a juice and you consume to get rid of alcoholism. Make sure you choose the right one that suits your taste.
Because the detoxification process is not an easy process, you must do sport as an activity that you can do during the process. Because a lot of potassium is released with sweat, offset by consuming more fruits and vegetables. You can choose a banana or other fruit to increase potassium.
Keep in mind, depression that arises during the detoxification process can cause feelings of anxiety and irritability. In severe conditions, detoxification side effects can lead to tremors (shaking) or hallucinations. This condition requires sedatives that must be purchased with a doctor’s prescription.
Internet pelosok kini menjadi program yang cukup gencar dilakukan. Indonesia memiliki wilayah yang sangat luas, tetapi sayangnya jaringan komunikasi belum mencakup seluruh wilayah. Masih banyak wilayah pelosok yang belum memiliki akses internet, sehingga dapat dikatakan daerah tertinggal. Daerah pelosok yang belum memiliki akses internet biasanya terhambat oleh infrastruktur yang masih sulit dilewati. Sementara untuk membangun titik komunikasi membutuhkan transportasi dan peralatan yang cukup banyak. Oleh karena itu, pemerintah mulai berbenah dan bekerja sama dengan berbagai pihak agar daerahnya tidak tertinggal informasi temukan ini.
Mungkin ada pertanyaan mengapa warga pelosok memerlukan internet? Bukankah tidak ada yang bisa digali dari daerah tersebut? Bukankah daerah itu cukup sulit dijangkau?
Hilangkan pola pikir seperti itu. Kita tidak pernah tahu potensi apa yang dimiliki daerah pelosok jika tidak pernah menggalinya. Nyatanya daerah pelosok lain yang memiliki akses internet mulai menunjukkan geliat perekonomian yang baik. Banyak daerah mulai membuka alternatif wisata dengan spot foto yang diinginkan oleh masyarakat kota. Internet memberikan informasi baru bahwa pengguna media sosial mencari tempat pariwisata dengan latar belakang yang unik dan menarik untuk diunggah ke media sosial. Di sini, internet juga mampu menjadi media promosi dengan jangkauan yang sangat luas dalam waktu singkat. Tanpa adanya internet, mereka tidak akan tahu bahwa daerah tersebut memiliki potensi yang dapat digali. Bahkan biasanya tempat wisata semacam itu mampu menarik wisatawan lokal dan mancanegara.
Tidak hanya dari sektor pariwisata, manfaat internet juga dirasakan oleh petani dan pemilik perkebunan dalam pengembangan tanaman mereka. Hadirnya internet mampu memberi informasi dan pengetahuan baru mengenai bibit unggul, pupuk yang baik, dan variasi cara bercocok tanam yang baru. Jika sebelumnya mereka menanam tanpa mengenal cuaca, maka kini mereka mampu mengenali cuaca untuk menanam tanaman yang sesuai dengan cuaca tersebut. Dengan begitu, lahan tidak menganggur, produksi tetap berjalan bahkan memiliki variasi dengan kualitas yang lebih baik. Inilah manfaat yang didapat jika internet mampu menjangkau hingga daerah pelosok. Siapa tahu jika daerah tersebut memiliki potensi yang cukup besar.
It’s not just gossip that is easy to circulate, but also a myth about anything close to our lives. Even a few who believe like a matter of drinking a cup of coffee can make addiction to make it difficult to sleep. If you buy coffee beans it can mean that you love to drink a cup of coffee. However, you must know the following myths about coffee that many people still believe in bean to coffee.
It can be said to be true, and can also be said to be wrong, depending on how to interpret the addiction. As we know that in coffee there is a caffeine content that stimulates the nervous system. Caffeine does not cause addiction. Even if you want to drink two to four glasses of coffee it won’t make you addicted like alcohol or illegal drugs.
Some people often say that if you drink coffee, then you will find it hard to sleep at night. Energy stimulation triggered by caffeine in coffee is considered a factor that triggers insomnia. This can be said to be wrong, because after drinking coffee in the morning or afternoon, caffeine is directly produced in the liver and then removed from the body in only 4-5 hours.
So, caffeine only lasts a minute in the body. No matter you want to consume as much as 2-3 glasses of coffee a day, you will not suffer from insomnia. Somehow, it would be better if you avoid coffee 6 hours before the time you sleep at night.
The myth that is widely circulating in the community says that drinking coffee regularly can cause cancer. From there, a lot of research was done to find a correlation between coffee and cancer, and the results? Nothing! Some studies have found that those who drink coffee regularly have a lower risk of cancer because coffee contains antioxidants that can help fight cancer.
In a house, you can certainly find various types of carpets. in fact, usually, in every room in a house, there is one type of carpet owned. Carpets can indeed make the atmosphere of the room more comfortable and can make the room more enjoyable to live in. For this reason, many people use carpets in their homes. However, to clean the carpet, you can use the services of the tile cleaning north shore so that your carpet is always clean and there are no germs there northernbeachescarpetcleaning.com.
Entering the bedroom, the expected feeling is certainly comfort because the bedroom is a private space where you can do anything and be yourself. Get extra comfort by installing carpets on the entire floor of your room. So that when you step into the bedroom, you will be immediately greeted by the softness of the carpet that is comfortable for your feet who are tired of doing activities all day. You can also lie on the floor of a carpeted room comfortably while reading a book or playing a gadget.
Of course, you do not want to disturb the occupants of other homes while you are active in your room, such as when you set music loudly to reduce fatigue. To reduce the risk of sound interference for people who are outside your room, attach a carpet that is thick enough on the floor of your room. You can consult the carpet seller, what kind of carpet is the best to reduce noise.
Do you have a spacious bedroom and want to divide it into several areas? Because the use of bulkhead will take place and seems too stiff, then you can rely on carpets. For example, you want a comfortable reading corner, specify one side or corner of the room that can get enough sunlight during the day, then install a carpet with a size that is not too broad as a marker of the area is your reading area. On the carpet, you can put a bookshelf, some soft pillows, and a small table for putting drinks or snacks.
For those of you who will go to Thailand and plan to go to Phuket, then you should know that there are many activities and interesting places that are there. One interesting activity even for foreign tourists is playing golf. In fact, phuket golf is very famous in there are many people who carry out these activities. For those of you who like sports, this will be a fun activity for you.
Not much different from other tourist attractions, what better tourists before visiting a place, need to find out how the weather in that place. Strong winds in the sea will force the Friends to abandon all plans for launching the island.
If you want to travel to Phuket, the best time is from December to March, where the weather is not so humid, and there is a breeze that makes it comfortable. Temperatures around 75F to 89F (24C to 32C). You better not to visit Phuket around April and May, in that time you will feel the hottest temperature with temperature levels from 80F to 95F (27C to 36C).
Phuket is a place where it’s difficult or can’t find public transportation. To get out of the airport, friends can rent a car, or take a taxi. How about traveling from places to places in Phuket? Friends can use the TukTuk, or take a private taxi. If a Friend has been to Thailand, he must have seen the TukTuk before, a vehicle driven by a bicycle in front, and directed the passenger to the rear.
Of course, we know that in golf, the most important equipment we have is a golf club. This is a tool that will help us hit and put the ball into a hole in the golf course golf savers. When it is not a layman, golf clubs are also referred to as golf clubs and there are various types that need to be known. On the other hand, we’d like to recommend you to play at the finest bangkok golf course whenever you visit Thailand on your next vacation or business trip.
Irons – In a set of golf clubs, an irons set consists of numbers 5-9 where pitching is added. When the number is getting bigger, the shaft is shorter, but the result of the swing is farther away using the long shaft. In the set, number 7 iron is known to produce blows more than 120 meters away.
Woods – Usually it can also be called a driver where its use aims to get a long distance swing result. In general, there are 1-3 for this wood, but only 1 has no problem and just enough. The swing for wood 1 is known to be able to reach more than 200 meters.
Hybrids – It can also be said that hybrids are a blend of irons and woods. To produce long-range blows, hybrids can be relied on like woods. It’s just that indeed for hybrids its use can be outside of tee-boxes and woods only inside.
Putter – Golfers consider this putter as a striker when compared to the position of a soccer player. The task of this putter’s main function is as a put in the hole scorer in the green aka the penalty box. Because the shape and weight of the head on the putter are very diverse, then pay attention to the usage according to their respective goals.
Wedges – Actually, wedges also include irons, but wedges are more special because the head has a different tilt or loft. Loft that is on the wedges actually even more sloping than the irons. swing lob with wedges can be done at a short distance to direct the ball to the green. Sand Wedge is a multifunctional and more popular type of wedge.
They say breakfast is the most necessary meal.
Unfortunately, it is often the most monotonousa cup of coffee and a sandwich that we choose to have. Meanwhile, making an interesting breakfast menu is not so difficult. Let the daily breakfast menu be simple, and the dishes in it fast food. Weekend breakfasts can be late and lazy, which means you can spend more time preparing them.We have prepared several different options for breakfast menus, balanced and uncomplicated. Try to use them.
You can create your own breakfast menu. Save them in your cookbook and put the appropriate label, for example, “quick breakfast”. On it at the right time you will quickly see all the recipes that are suitable for a quick breakfast menu. To know more aboutBojangles Breakfast hours, seek help online.
Good breakfast a hearty, healthy breakfast from a nutritionist is similar in its purpose to a battery that will charge you with energy all day. Its absence can badly affect a person’s social, mental or physical activity during the day. This is explained by the fact that the body after a night’s sleep has time to “get hungry” and for its proper operation it is necessary to replenish its energy reserves. People who have a good breakfast in the morning are less susceptible to stress, problems with immunity and are able to work more productively during the day. Also, regular breakfasts can normalize hormones and blood sugar levels in humans.
The distribution of the nutritional elements of a proper breakfast, according to the recommendation of nutritionists, is carried out according to the formula, in which 50% is allotted to the share of carbohydrates, 30% proteins, and 20% fats. Want To Log Off? Native Advertising RelapFor breakfast, you should eat complex carbohydrates, the splitting of which requires a long time. To know more about Bojangles Lunch Hours ,seek help online.
Thanks to the convenient navigation system on the Bojangles website, you can quickly and easily pick up a breakfast item with breakfast being served during breakfast hours and go through the drive thru and indulge. In order to do this, it is enough to go to the above site and then in the special fields specify the city that you are going to visit. When choosing a fast food restaurant in another state where you stay and spend your holidays, you should take into account your own wishes and requirements for a place that will become your home for a while. The main criteria for choosing a fast food restaurant are often the presence of a good breakfast menu, the convenient location of the food menu itself, as well as the presence of breakfast included in the price. On a functional Internet hotel search service Bojangles website is to find a hotel with breakfast is easy. In the upper right corner of the web page opened by us there is a very convenient and functional “Advanced” key. It is with its help that it is possible to install a filter for fast foods with breakfast.
Those diagnosed with diabetes can change lives. However, being aware of conditions is the first step towards effectively managing it. In this article I discuss how diet, exercise and natural medicines can help control your diabetes.
blood sugar management with healthy diet, If you go and see a nutritionist they can help make a diabetic food plan for you that will keep blood sugar levels (glucose) even. This new diet will likely be different for your previous one and you need to take the following into consideration, You will need to avoid refined sugar because they make you spike the glucose level. However, there are many no-sugar food varieties available to you.You will need to eat several times a day to maintain your blood sugar levels even throughout the day.
blood sugar management you will need to keep an eye on triglyceride and fat intake. This can be achieved through low fat eating plans. You will need to increase the intake of complex carbohydrates (wheat, barley and rice) because they are processed at a slower rate than simple carbohydrates (such as refined sugar). You will need to eat lots of fresh fruits and vegetables to keep your glucose levels even.
blood sugar management by keep checking the amount you drink alcohol. If your diabetes is not completely under your control, you should avoid alcohol completely. If it is under control then; a diabetic can safely consume 1-2 alcoholic drinks per day, a diabetic woman can consume 1 alcoholic drink per day and diabetes that is 65 or more can consume 1 alcoholic drink per day.
blood sugar management modifying your diet in a very effective way to keep your glucose levels even and control your diabetes. However, you might also try naturopathy (natural medicines to treat diabetes). If you decide to experiment with the naturopathic approach it is very important that you consult with your doctor first. If your doctor is OK, then try the following, Consume more fish oil, Borage oil and Omega 3 oil. Research has shown that fatty acids can help you regulate your fatty acid metabolism is damaged, reduce complications and cardiovascular assistance against diabetes.
blood sugar management by water carries out and absorbs heat so this is a good way to reduce glucose levels.Try massage and reflection. The right massage will help you relax which in turn controls your diabetes. Hopefully, this article has opened your eyes to ways that you can manage your diabetes. Changing your diet is the best way to manage your condition and naturopathy offers several unique alternatives for you to consider. Whichever way you choose to manage your diabetes, it is key so that you consult a professional doctor and nutritionist before applying real changes.
Children need the best school uniforms for maximum learning in school. We believe you agree with this. Have you tried to provide the best uniform for children? If not, then you have to do it now. You may still be confused about what things should be considered when buying uniforms for children in order to get goods that are in accordance with their wishes.
The size of school clothes is very important so that children feel comfortable wearing it. Of course, we already know that wearing clothes that don’t fit properly will feel very uncomfortable. Clothing that is too big or small will also affect the appearance of the child while in school. Well, To avoid the size-related problem, it would be better if you measure or have an estimate of the right size for your child, or you can also look for a slightly larger size but not to greatness. Because indeed the size made is seen in general.
Unlike Iflix, netflix change country does not have download functionality for offline viewing. It would be difficult if you want to take it on a long journey, especially on the airplane. With Netflix, you can download the video you want to watch through an Android or iOS device. It can store up to 10 titles and is stored for 7 days, before being deleted automatically. So, users can download ready through a Wifi connection, and do not worry about the connection to watch while on the street. Although Netflix is ??now officially in Malaysia, you still have not full access to its content library, as enjoyed by users in the United States. Popular TV shows like Friends, Agents of S.H.I.E.L.D., House of Cards, Big Bang Theory, Flash and Agent Carter, cannot be watched in Malaysia. But you can still enjoy some other exclusive titles like Daredevil, Marco Polo, Orange is the new Black and Jessica Jones.
In this case, Netflix is ??more relevant to users in Malaysia. In fact, Netflix has local content like Malaysia, Thailand, Indonesia, and the Philippines. You can also choose subtitles and languages ??while watching. In short, you will not have full experience using Netflix in Malaysia. This is because there are local broadcast rights, which vary by country. If you want the best of Netflix, it seems that the VPN is still relevant to finish it. For those happy with a series of politics like House of Cards and FBI serials like Criminal Minds, then you can get them through Mindhunter. It’s fair to say that, as David Fincher, who is the producer of the series of House of Cards, also holds the same position in the new series. Mindhunter is based on the book by John E. Douglas and Mark Olshaker in 1995 entitled Mind Hunter: Inside the FBI’s Elite Serial Crime Unit.
Although the book tells of the real story of a Special Agent named John Hammer for 25 years of career, the TV version of Mindhunter will tell about fictional FBI agents. Separated in 1979, two FBI agents, Bill Tench (Holt McCallany) and Holden Ford (Jonathan Groff) were interviewing suspects of serial killings to help them solve the case.
New people meeting: Whether you are learning English or traveling, of course you meet new people and interact with them. Traveling but not meeting new people? Aha, it could be just around your home complex. That’s not traveling by name. Traveling is when traveling or traveling to a place that you already know or have never been traced. Meanwhile, check out the recommended b1 test booking if you want to get the UK visa soon.
Let alone at the destination, when arranging the trip will meet many new people. For example, people at the immigration office when making passports or Ms. Mas who serve airline ticket purchases, and so on. There is no doubt, when you are traveling you will meet and interact with many new people. What about learning a foreign language?
When learning a new language, meet and interact with new people. “Ah, not really. I interact with my classmates. “That doesn’t mean I’m learning English. What? You are not deep in it. But, doing duty as a student is to take lessons at school.
What is the difference? Following lessons and learning is really different. If you take English lessons, you do what the teacher tells you to do, do assignments, read, write, etc. Everything is done because you are a student and to get good grades. While learning foreign languages is when the desire to increase knowledge and practice comes directly from yourself. You will really do it when you have a goal you want to achieve after being proficient. See the difference between the following lessons and learning because you have a purpose?
Well, when we are serious about learning English, we have to meet new people. From new people, we learn and absorb more things like accents, spelling, vocabulary, grammar, etc. In fact, the best way to be proficient is to get out and practice with new people. When was the last time the practice of speaking English with new people, Caucasians or foreign tourists?
You will at least worry if one day you have to take a vacation or leave your house for a long time but you don’t need to be confused, the most important thing is to always be vigilant and use 4 tips to maintain the security of your home below. In the meantime, contact the company of Car Keys Dublin whenever your car door lock has been tempered by an unauthorized person important link.
1. Close and lock the window.
Doors may be the main focus, but windows should also be our concern because usually, thieves use windows to enter the house. Don’t just because a device like an air conditioning machine happens to be perched on a second-floor window does not mean that robbers lose their minds and keep looking for entry even if we close and lock all windows, or make sure there is additional security at the place if that is possible.
Whether you have been in an apartment building for years or have just moved into a house, it is important to find out who belongs to the neighborhood, so you might at least be able to ask for their help to take care of your home. Plus, people more often ignore each other in the world. So it makes sense if you talk to your neighbors and socialize.
3. Keep the key in your hand.
Whether you live in a big house or a narrow studio apartment, walking until the door is late at night while groping through someone’s pocket or bag is attracting unwanted attention. Home security is more than just keeping people out of the house, but also about keeping safe wherever you are. Don’t make this mistake.
Keep your LCD television so that it is not easily visible and striking so that it attracts the attention of people out there, use a curtain or match the state of your home so that unauthorized outsiders cannot see. If criminals cannot accurately see the condition of your home, then they will likely have trouble and think so many times to rob your house.
The easiest way we can take care of a watch so that it is durable is to store it in a dry place with a normal temperature in the room. If you put a place that has a certain room temperature (air-conditioned room, a room that is exposed to direct light), then the temperature will automatically affect your watch. Keep your watch in a container, or a special watch box. You should keep your popular watch, like the bulova watch in a special watch box to make it safer.
Clean your watch with a wet tissue, but not a tissue that is too wet or wet with water. because if you only use ordinary tissue, it will make a scratch on the glass of your watch. A good wet tissue that doesn’t make a scratch is wet tissue that is used to clean the baby’s skin. Let it dry without using a dry tissue or dryer (dryer), because the hot wind coming out will affect the components in your watch.
All married people certainly agree that there are many choices and problems that will come to the wedding. Many people feel that marriage is a very difficult thing to do. How come? You have to live with someone forever. This means you also have to take all decisions with mutual agreement. Unfortunately, not everyone can do it and end in divorce. If this has happened, then all you can do is use the services of the oklahoma city divorce attorney .
After the divorce is complete, it’s not the time for you to blame the divorce. You must be able to take responsibility for what will happen after your divorce. Gather support from your family and closest friends who can help you deal with the divorce process. There is nothing wrong with consulting lawyers or divorce mediators.
One simple way that you can stay strong in the face of divorce is to control your emotions and how to behave in front of your ex-husband or wife and also in front of your children. You also need to maintain attitude in the face of various divorce processes that are not easy.
You certainly are old enough to know what lessons you can take from the divorce case. Whatever causes underlying your divorce, you must be able to take lessons from it.
Job centre online is a vital resource when you are looking for work. This is very difficult to come by if you are looking for a temporary job while working full time and it must be managed wisely if you are unemployed and find yourself with too much time my online job centre . Setting your time to improve your prospects can be difficult at first, but it must be quite simple once you have developed a habit.
Job centre online is perfect for those who are looking for work while still working as focusing on finding longer jobs that focus on finding the best jobs. Schedule your work searching on a weekly basis. Don’t try to squeeze your search for work to be fully eating day. Find your free time available, and schedule regular job searches. If you accidentally lost your search for a job due to an emergency, wait until the next job search is scheduled. Instead of desperately making time to find work, find out your schedule and do as much as you can to stay with it. After finding a habitual job, you have to find the time you have organized to do that is not the time you missed as much.
Job centre online suggest that you have to spend more of your backup money on every aspect of your life as you spend in your spare time on the same aspects. This means that if you have love for a car that takes up to 10% of your life, then 10% of your reserve money should go towards passion, such as by contributing to car loans for sports cars. If this is applied to find work, then suddenly additional value is placed at that time. If you spend money on developing your ability to find work, increase the value of that time which might make you prioritize more. There’s no need to spend very much to achieve this effect, either, as things like continuing development don’t always cost very much.
Manajemen gudang adalah hal yang sangat penting dalam kelangsungan bisnis sebab gudang berkaitan dengan penjualan. Manajemen yang buruk akan mengakibatkan barang-barang yang berada di rak gudang tidak sesuai dengan penjualan dan berakibat pada kerugian. Di sinilah pentingnya manajemen pengaturan gudang, baik dari pemilik bisnis maupun pekerjanya. Apalagi jika menjalankan bisnis ritel yang memiliki banyak item untuk disimpan. Jika tidak cermat, maka bisnis tersebut akan mengalami kerugian skala besar.
Buatlah jadwal pembelian terhadap produsen barang sehingga memudahkan Anda dalam melakukan forecasting dan lain-lain. Forecasting adalah pengaturan barang yang berada di rak gudang untuk memastikan barang-barang tersebut tetap berada di tempatnya atau tidak mengalami selisih dengan penjualan.
Setelah mendapatkan jadwal persediaan dengan para supplier, Anda dapat menghitung biaya yang telah dihabiskan. Beberapa mungkin bertanya mengapa budgeting tidak dilakukan di awal agar lebih mudah menghitung. Jawabannya adalah jika diletakkan di awal, maka tidak akan sesuai dengan kebutuhan di pasar.
Sebagai pemilik bisnis ritel yang menyimpan berbagai jenis barang, Anda harus tahu cara menyimpan stok yang benar sesuai karakter barang tersebut. Sebagai contoh adalah barang yang dijual memiliki nilai yang berharga namun ukurannya kecil. Maka lebih baik diletakkan di tempat yang mudah terlihat agar dapat terus dipantau.
Selain mengenali karakter barang, Anda juga harus mampu mengatur tampilan gudang. Hal ini sangat penting bagi Anda yang memiliki bisnis ritel yang barang-barangnya memiliki masa kadaluarsa. Untuk memudahkan pengecekan, Anda harus mengatur agar produk yang keluar dari gudang adalah produk dengan kadaluarsa yang paling awal. Tata letak yang rapi juga akan memberikan keuntungan efisiensi waktu pencarian barang.
In pushmoneyapps.com/top-internet-marketing-products-by-aidan-booth-steve-clayton/ there are many worksheets available on the apps that you can use to help you put plans in writing. Some of these planners involve working with calendars to set sub specific goals to reach in weeks or months of time. Some worksheets are based on an action plan and what needs to be done next in accordance with priorities. They may not have a time limit attached to them, and you only need to check off what you do as you do them.
pushmoneyapps.com/top-internet-marketing-products-by-aidan-booth-steve-clayton/ is a world of testing and trials, and continually modifying things is really needed for a business to succeed. If you have decided this year will be a year that you see a big difference in your business, then you will need to break your actions into a period of time to ensure that you reach your goals this year. If you don’t take the time to make this plan and time the formula to follow you will find yourself lost and overwhelmed by the information and actions that need to be taken. Thinking about a plan well will help you focus more and be able to handle distractions much better. The action calendar settings are easily modified and you must be flexible with that. There is nothing on the Internet the world of marketing is written in stone, and if you find that changes are needed then go ahead and make changes.
pushmoneyapps.com/top-internet-marketing-products-by-aidan-booth-steve-clayton/ plan can be changed and changed at any point of the trip if you find there is a faster route to get to the final destination. An imperfect plan is at least the starting point. You have put where you are and where you want to go. Between two points is a different way to get there. During your trip to your destination, because you follow your plan, you might see something that will help you reach your goals faster. If you do it, it must be done. Keeping this in mind when you make your plan will help you get it done.
For sure, your view of a private investigator rock hill sc is one that constantly brings with him weapons, tracks criminals and gets his girl at the end. That’s right pretty romantic? Sure is. But you must know that private investigations are far more than that. More than saving someone from being killed or retaliating because of the self-realization of things that have affected a person’s life.
Private investigator might see it as a Great job, another an adventurous style while some people choose not to think of their lives as private investigators as this work seems to free them close to their graves. Well, everyone has the right to their own beliefs. But the truth still remains the truth. Previously, private investigations were said to be limited to boring goods. Before the emergence of James Bond films or the concept of Mission Impossible, private box investigators were only to stalk the various individuals they were employed for stalks. Investigators, especially those who are good, have an established database of back ups who can dig into documents that are public domain. If your personal investigation team is good enough, they are able to violate various systems that hold important evidence regarding the case.
Private investigator can conduct surveillance or supervision. However, with the development of complexity, private investigation companies now continue to be more confusing cases than their predecessors. There are various types of private inquiry work. If you are considering looking at private investigations as life in the state of Texas, you might find this article useful. One classic technique that is being used by private investigators is supervision. This is the process of collecting important data through actual observation. Usually, this is done in secret and must not, at each level, reveal some clues that will trigger suspicion. This is probably one of the longest methods used in trading. Usually it continues for several days and even months, surveillance is the process by which the subject is truly observed which results in extraction of details.
When camping, there is a good chance that your items will get dirty. If you know this ahead of the actual trip, you can prepare for the inevitable and get yourself some extra supplies. Have fun on your trip and don’t worry about getting messy; it happens. When you’re home, you can be normal again.
Sitting too long will certainly make your back and some parts of your body feel pain. This often happens and is felt by office workers who work in front of the computer. For that, what they really need is the right office chair. You can use the ergonomic office chair to feel maximum comfort in the office and while working.
Selection of suitable seats is an important step in preventing health problems in people who work in a sitting position. Then, what is meant by ergonomics? In ergonomics, sitting is seen as a special activity influenced by the way people work. Not only that, but it is also influenced by interactions with their work environment. Please note that a chair that has a good design will allow users to sit in a balanced position. For that, do not be surprised if there are many office employees who need ergonomic chairs during their work.
Are you currently planning to renovate a bathroom? The bathroom is an important part of a house. Did you make the decision bathroom renovations choice that you will choose to implement in your renovation project? Here are some things that you need to consider to ensure that the result of your bathroom renovation will be as well as you expect.
It is highly recommended to put the bathroom downstairs. This is so that the plumbing business becomes simpler. However, if you really need a bathroom or toilet upstairs, make sure it is not a kitchen below.
A stuffy and smelly bathroom is a result of poor air circulation. Don’t forget to make sure there is a separate flow of air in and out so that the air in the bathroom is maintained. The problem is not a few people who build bathrooms under the stairs. The house is also in a very dense location so that there is no remaining open land to supply fresh air and remove the stuffy air.
If this is the situation you are facing, try to install a two-way exhaust fan. Install on the door frame or ceiling if on top is empty space. This fan will pull out the stuffy air. Change the direction of rotation for air supply.
In feng shui, the flat ceiling will make the circulation of positive energy in the bathroom more optimal. In addition, there should be no protruding ceiling so as not to disturb the flow.
Toilet placement can be a dilemma problem, especially for those who live on narrow land, including flats and apartments that repair the toilet position is no easy matter. If you work with professional bathroom contractor who has years of experience, you will have the chance to get the advice. This means that there is nothing to worry about the closet placement or location. | 2019-04-25T19:42:32 | http://www.campusvetclinic.com/2019/03/ |
Crews have finished removing more than a million dead fish that recently appeared in the creeks and waterways near a Monmouth County shore town.
Keansburg Mayor George Hoff says that public works crews on Thursday morning picked up the last of the peanut bunker fish that began washing on shore at the Waackaack Creek earlier in the week.
Officials with the New Jersey Department of Environmental Protection raised the estimate of dead fish from hundreds of thousands to more than a million.
They say the scores of fish were likely chased into the Raritan Bay by other fish. Once there, they apparently were killed off by low levels of oxygen in the water.
The highest numbers have been found in the Waackaack Creek. They also have shown up in Natco Lake and Thornes Creek.
Crews will take the dead fish to the Monmouth County landfill. | 2019-04-24T16:20:42 | http://newjersey.news12.com/story/34865877/crews-finish-cleanup-of-massive-fish-kill-at-jersey-shore |
"There's not a reason in the world we can't grow at 4 percent a year," presidential candidate Jeb Bush said this week, "and that will be my goal as president."
There are, in fact, plenty of reasons.
I sincerely doubt the economy will sustainably grow 4% per year -- about what we achieved in the two decades after World War II -- any time in the coming decades, no matter who is president or what party they come from.
Increase the productivity of that population.
That's it. All real (after-inflation) economic growth comes from those two factors.
Four-percent economic growth was feasible after World War II because the population was surging. There was a baby boom, plus millions of former soldiers joining the workforce.
Frankly, none of this is very depressing.
Nobody really cares how the economy is doing. They care about how people are doing. So what matters isn't economic growth, but economic growth per person.
When Japan, which has terrible demographics, grows 2%, it's a booming, prosperous miracle. When China, where hundreds of millions entered the laborforce in recent years, grows 7%, it's a near-recession.
You can't compare economic growth rates between countries -- or in the same country over time -- without factoring in changes in population growth.
The good news is that, given the decline in our population growth, 2% economic growth today is about the same in per-capita terms as 4% growth was 50 years ago.
"I don't think the U.S. should settle for anything less than 4 percent growth a year," Bush said earlier this year.
Honestly, I think we should. That's not giving up. It's just realistic.
The article The Good News About Our Bad Economy originally appeared on Fool.com. | 2019-04-25T13:04:47 | https://www.foxbusiness.com/markets/the-good-news-about-our-bad-economy |
ABSTRACT: A collection of thioimidazolium salts were synthesized and used as a new class of nonvolatile alkylating agents. Their nonvolatility prevents exposure during use or handling and are thus drastically safer than conventional alkylating agents. We discovered that thioimidazolium Iodide salts cannot release volatile compounds in the solid state, but instead only decompose when molten. Since decomposition proceeds via alkyl iodide elimination, SN2 of iodide on the thioimidazolium cation is constrained in the solid state, and instead can occur only upon melting when ions are mobile. By smart design of these alkylators, the melting point and thus the decomposition temperature of these salts can be increased from 106 to 169 °C and release negligible volatile organic compounds prior to melting. Thioimidazolium-bis(trifluoromethanesulfonyl)imide (TFSI) ionic liquids act as a completely nonvolatile and air-stable TFSI-based alkylating agent and can be used for high-throughput Synthesis of TFSI ionic liquids without solvent. Alkyl groups from methyl to dodecyl can be transferred to a nucleophile and the product purified by sublimation of the thione byproduct, which can then be recycled. We also found that thioimidazolium salts with a dodecyl chain are bactericidal, yet can hydrolyze in water to form benign neutral products, and thus wont accumulate in the environment. These results demonstrate that thioimidazolium salts are a designable platform for the pursuit of safer and more environmentally friendly alkylating and antiseptic agents. | 2019-04-21T16:17:05 | https://opus4.kobv.de/opus4-bam/solrsearch/index/search/searchtype/collection/id/16376/rows/10/doctypefq/article |
In order to maintain objectivity in the debate about matters of faith, it’s not only the Christian who must be called to the witness stand. Even those who dispute or are otherwise skeptical about Christianity have some questions to answer. In fact, considering the evidence, it may very well require more faith to stand outside the circle of those who believe than to join it. To ensure integrity on the part of all of our readers who are not yet believers, here are a few issues about which you too should be able to give an account.
If every effect has a cause, and if God Himself is the universe (i.e. is one with the universe), what or who then caused the universe? Since absolutely no Bible prophecy has ever failed, how can one realistically re-main unconvinced that the Bible is of Divine origin? Are you able to live consistently with your present worldview? From whence comes humanity’s universal moral sense? Explain how personality could have ever evolved from the impersonal, or how order could have ever resulted from chaos. In what sense was Jesus a ‘Good Man’ if He was lying in His claim to be God? Wouldn’t it make better sense, even pragmatically, to live as though the God of the Bible does exist than as though He doesn’t? If the Bible is not true, why is it so universally regarded as the ‘Good Book’? If Jesus’ resurrection was faked, why would twelve intelligent men (Jesus’ disciples) have died for what they knew to be a lie? How do you explain a single uneducated and virtually untraveled man, dead at age 33, still radically changing lives and society today?
Why have so many of history’s greatest thinkers been believers? How do you account for the origin of life considering the irreducible complexity of its essential components? How do you reconcile naturalism, the Law of Entropy, and the existence of human intelligence? Why does the Bible alone, of all of the world’s ‘holy’ books, contain such detailed prophecies of future events? How do you account for the hundreds and hundreds of meticulously fulfilled prophecies that are detailed throughout the Bible?
On what basis can the Bible (interpreted as per historic Christian orthodoxy) be challenged as a sole final truth-standard (Galatians 1:8)? How do you explain the empty tomb of Jesus in the light of all of the evidence that has now proven essentially irrefutable for twenty centuries? Is it absolutely true that “truth is not absolute” or only relatively true that “all things are relative?” Is it possible that your unbelief in God is actually an unwillingness to submit to Him? Account for the odds (1 in 10 to the 157th power) that even just 48 (of 300) Old Testament prophecies were fulfilled in one person, i.e Jesus. Did you know that the Bible has been the number one best-seller every year since the 1436 invention of the Gutenberg printing press?
How do you account for the vast archaeological documentation of Biblical stories, places, and people? Does your present worldview provide you with an adequate sense of meaning and purpose? How do you explain the radically changed lives of so many Christian believers down through history? How was it possible for the Old Testament prophet Isaiah to have predicted the virgin birth of Jesus (Isaiah 7:14) 700 years before it occurred? How can anyone doubt the reliability of Scripture considering the number and proximity to originals of its many copied manuscripts? Are you aware that every alleged Bible contradiction has been answered in an intelligible and credible manner? If Jesus’ claims to be the only way to God are true (John 14:6), how can Christian truth be anything but exclusive? Are you aware that the Old Testament alone claims to be God’s inspired word at least 2600 times? Do you think that Jesus was misguided in affirming the truthfulness of Scripture, i.e. John 10:35, Matthew 24, Luke 24:44? How can the Second Law of Thermodynamics be reconciled with progressive naturalistic evolutionary theory? | 2019-04-19T00:24:26 | http://aiiainstitute.org/1999/08/01/54-questions-for-the-not-yet-a-believer-part-i-of-a-two-part-series/ |
Truck baffles of the past just don't cut it when it comes to protecting your equipment, personnel and others on the road. A welded baffle only acts as a passive form of resistance. Dynamic movement control is a much more proactive approach to reducing surge force.
As can be seen, Surge Busters significantly reduce the liquid surge within the tank and eliminate the need for traditional welded baffles. The surge is controlled in all possible directions.
One of the most significant contributing factors to a liquid load rollover is the force of surge pushing against the side of the tank while cornering. This test shows how dramatically Surge Busters reduce the movement of the liquid and the resulting force that it places against the side of a tank.
NOTE: Surge Busters® only fill approximately 1/3 of the tank whereas the demonstrations appear to fill the tank completely.
Despite the presence of baffles, the movement of a truck can still create a noticeable amount of surge within the truck. Surge Busters® further reduce the amount of surge above and beyond what traditional baffles are capable of.
Surge Busters® come unassembled but are very easy to put together. Just follow these simple instructions and you're ready to drop them into the tank! | 2019-04-21T06:08:13 | http://surgecontrolsystems.com/surge_video.htm |
LAS VEGAS, Nevada, November 24, 2015 – SSOE Group (www.ssoe.com), a global engineering, procurement, and construction management (EPCM) firm, announced today that BIM/CAD Technical Leader, Mark LaBell Jr. and BIM/CAD Technical Specialist, Mike Musgrave have been selected to speak at Autodesk University 2015. The event will be held December 1-3, 2015 at the Venetian Hotel in Las Vegas, Nevada.
LaBell’s presentation titled, “Demystifying Large Point Cloud Data Sets for Simple Integration on Complex Projects” will guide participants on how to plan for using large amounts of point cloud data across multiple offices quickly and efficiently. The key planning aspects that will be covered include how to handle all sizes of laser scanning projects and how to define an accurate scope when doing a scanning request for proposal (RFP). The project examples for this session will highlight how 500 GB-plus of point cloud data, with staff members in 7 offices across the United States and an office in India, was set up to decrease wide-area network latency and also improve workstation performance. Attendees will learn how to plan and budget for laser scans, strategies for modeling existing data versus reliance on point cloud only, methods for breaking up point clouds for retrofit jobs into manageable file sizes, and managing large data sets across multiple offices. LaBell is scheduled to present on Thursday, December 3rd at 8:00 a.m. For more information on this session or to register for the conference, click here.
LaBell has a passion and unparalleled dedication for the practice of VDC methods in the AEC industry. He has served as a user and customization expert in 3D BIM/CAD software for over 15 years and provides support and training for users to educate them on how to maintain a sound and practical user environment. Always looking for the next best thing, whether process improvement, software, or hardware when it comes to practical design and user experience, LaBell has learned that there is never a “one-sized fits all” approach no matter what the client requirements dictate. He received his Bachelor of Science in Computer Aided Design and Manufacturing from Eastern Michigan University and works in SSOE’s global headquarters located in Toledo, Ohio.
Musgrave is scheduled to lead two classes at AU2015. The first titled, “Customize Your AutoCAD Plant 3D Isometric Configuration” will take a hands-on approach to customization of isometric drawing output from AutoCAD Plant 3D software. To start, this lab will cover the creation of a new iso-style. The class will continue into the basic customizations found in the Project Setup interface. From there attendees will learn to integrate a custom title block and ways to populate its attributes with project data. More complex output will also be tackled by delving deeper to make advanced tweaks directly in the configuration files. Finally, attendees will generate an isometric drawing using the newly created iso-style to wrap up the class. This class lead by Musgrave is scheduled for Thursday, December 3rd at 1:00 p.m. For more information on this session or to register for the conference, click here.
Musgrave’s second class titled, “Getting the Most Out of AutoCAD Plant 3D Isometrics” will look at snippets of isometric drawing output and dig into where and how to make configuration changes. This class will start at the beginner level and review the new Iso Style Wizard and its capabilities. Attendees will get a look at the plethora of modifications that are possible when using the project setup interface. On the final leg of this journey, Musgrave will look at more complex drawing output that requires advanced techniques. This class will give participants a peek at what works, what doesn’t, and when a bit of creativity is required. The knowledge will enable them to create a powerful iso-style that generates drawings requiring minimal user interaction prior to checking and delivery. This class lead by Musgrave is scheduled for Thursday, December 3rd at 3:00 p.m. For more information on this session or to register for the conference, click here.
Musgrave has a Bachelor of Science in Computer Science from the University of Toledo and is a programmer by education who has developed a broad CAD skill set over the past 10 years. Currently, his key focus is on AutoCAD Plant 3D software, but he is also well versed in everything from AutoCAD to Navisworks and ReCap to offerings from Bentley Systems, Inc.; Intergraph Corporation; and PTC, Inc. Musgrave handles AutoCAD Plant 3D software administration, training, support, and development for SSOE’s piping engineers and designers.
The Autodesk University annual conference offers a forum for design professionals around the world to attend educational sessions, product demonstrations, and networking. Attendees can participate in collaborative problem solving, idea sharing, and engage in new professional relationships. With more than 10,000 attendees annually, Autodesk University is the largest single gathering of Autodesk customers and resellers in the world. | 2019-04-18T15:17:26 | http://www.ssoe.com/press-releases/ssoe-bim-experts-to-present-at-autodesk-university-2015/ |
Kitty is a cute little Asian girl in a tight dress. 82 images. All images are 1800 pixels along the long edge. Included in set is FULL 2257 documentation. | 2019-04-24T12:41:58 | http://www.adultcontentxxx.com/cart/Kitty01.html |
In early November, smarting from a rare Final Jeopardy miss (!), I changed the channel to watch an Orlando Magic game, as I’ve done hundreds of times over the past three decades. On this night the Magic were taking on the Cleveland Cavaliers at home and having a tough time, even though the Cavs were now LeBron-less.
After a few minutes, I turned the game off and retired to the study to scan election eve news on the web. Later, I checked ESPN.com to find that the Magic were behind by 5 points with 24 seconds left. Another loss, I figured—I didn’t bother to turn the game back on. Then, about an hour later, I checked ESPN one more time and saw this final: Orlando 102, Cleveland 100.
It had to be a buzzer-beater. Sure enough, Evan Fournier had drained a long jumper at the horn, and his teammates and the crowd went wild. I missed it—and was left wondering: When will I ever learn?
In 2012, I wrote a column about the Magic entering their 24th season, with the pundits predicting it would be a disaster, largely because Dwight Howard was no longer on the roster. And at 20-62, the Magic did end up at the bottom, with the franchise’s worst record since its inaugural season. I argued then that fans needed to remember to live for the moment, just as they did when that first-year team treated us to some exhilarating victories over Michael Jordan’s Chicago Bulls and Magic Johnson’s Los Angeles Lakers, even though we won only 18 games.
Today, we find ourselves in the midst of another of those seemingly endless rebuilding seasons. But here's the thing about the Magic: They are unpredictable. And that will make for some stirring moments, just like 30 seasons ago. Aaron Gordon and rookie Mo Bamba are exciting players to watch, Amway Center is still a beautiful venue to visit, and attending a game remains great entertainment.
I should have known better than to turn off that Cavs game. Moreover, I wish I had been at the game in person. I'm hoping the next time our team pulls off a victory like that, I will be.
So, Happy 30th Season to the Magic. In this issue, Peter Kerasotis, who has written about them since the beginning, recalls the highlights and lowlights, from that first team to the days of Shaq, Penny, 3-D, T-Mac, Dwight Howard and others.
This is also our Finest Doctors issue, with more than 600 of the area's best physicians listed in dozens of specialties. You’ll also read some moving accounts from 10 of the doctors as they recall memorable moments in their careers.
Elsewhere, Roger Moore explores the phenomenon of Phantasmagoria, the macabre troupe headed by local theater legend John DiDonna. And Laura Anders Lee explains why the tradition of taking a Christmas card photo is worth every excruciating minute.
Finally, it’s time once again to vote for your favorites in our annual Dining Awards poll. Just go to orlandomagazine.com and fill out the ballot. The categories number in the dozens, ranging from Mexican to Thai, ribs to most romantic, breakfast to burgers—plus the Big 3: Best Restaurant, Best New Restaurant and Best Chef. February 1 is the deadline to make your choices; just for voting, your name will be entered into a drawing to win a dinner for two at a top Orlando-area restaurant. | 2019-04-25T20:26:59 | http://www.orlandomagazine.com/Orlando-Magazine/December-2018/Letter-from-the-Editor-Magic-Touch/ |
Vacuum Assisted Venous Drainage is relied upon to encourage return blood flow through the venous catheter. The Boehringer VAVD Controller was designed specifically to ensure this practice is both safe and efficient. Precision adjustment and redundant safety features make this the equipment of choice for top heart programs across the country. The newest feature of the VAVD Controller, VacPac™ is a simple, single patient, sterile disposable that assures all of the safeties built into your Boehringer VAVD controller stay in your circuits.
Buying your product brings an assurance that when our department puts it to the test and it passes, then it's a product worth having.
The VAVD Controller reacts to circuit demands and input conditions to maintain a reliable and consistent output of suction applied to your cardiotomy reservoir.
Waste Anesthetic Gas from the membrane oxygenator is a dangerous background contaminant and occupational health experts agree these gases should be removed from the perfusionist's work space.
Allows for permanent connection of a Luer-type pressure transducer to allow the VAVD suction pressures to be recorded electronically.
A precision machined redundant system vents excess NEGATIVE and POSITIVE pressures in the event of any malfunction in the main regulator or accompanying pump circuit.
Open caps on the cardiotomy reservoir or kinked supply tubing can be readily identified and addressed by noting a drop in the supply pressure gauge.
The only device on the market built to an appropriate clinical range.
In the unlikely event blood does enter the control, patented design and control surfaces ensure continued regulated output. | 2019-04-22T00:25:13 | https://www.boehringerlabs.com/medical-devices/suction-regulators/model-3930/ |
The Canada Post Toronto West Delivery Centre represents the consolidation of a number of regional post offices into one 5100 m2 (55,000 ft2) facility.
Constructed for the Canada Post Corporation in Toronto, Ontario, the project featured EPDM roofing material (an insulating and waterproof material) and concrete paving, lowering energy consumption and overall operating costs. The parking lot area was constructed with recycled crushed concrete in order to minimize the carbon footprint of the building process. For maximum user control, the building’s air systems, heating and cooling equipment, automatic doors, overhead doors, air curtains, and exterior and interior lighting are all controlled through a single, innovative automation system.
The demanding nature of this project required Ledcor to take on many roles throughout the construction process. During pre-construction Ledcor acted as the construction manager, which required a highly collaborative relationship with the client, consultants, and subcontractors. Ledcor then took on the role of general contractor where we were able to complete the project on time and on budget.
5100 m2 (55,000 ft2) facility.
Completed in 2011 the El Cajon Public Safety Centre is a five-story structural steel building with three levels of integrated parking. | 2019-04-25T12:17:18 | http://www.ledcor.com/our-projects/building/institutional/canada-post-toronto-west-delivery-centre?from=list&categoryid=17 |
This Mens Sneaker from Converse is a go-to for classic casual styling. The All Star Low – aka the Chuck Taylor – was designed almost a century ago, and not much has changed. It has a low profile, slim shape, and super simple look. This shoe’s basic style makes it easy to wear with any outfit, and its durable rubber sole will help you get through almost anything.
The Mens All Star Low OX in Black is one of the most iconic sneaker colourways, featuring a black canvas upper, with a contrast white sole unit, stitch detailing, and laces. Embraced by fashion culture across the board, this heritage style is a is a must in every guys shoe collection. | 2019-04-22T21:09:05 | https://www.universalstore.com/converse-mens-all-star-low-ox-black.html?selectedsize=187 |
After fighting off a cold over the last 48 hours with plenty of sleep, Beechams and my super-charged vegan immune system, I ventured outside again today for peak inside the greenhouse. A couple of broad beans have poked their stems above the surface of the soil. These are from the first seeds I sowed indoors on January 14th, using re-purposed toilet roll inner tubes. Examining the first seedling closely, I was pleasantly surprised to find it's already sending out a long and healthy root. This one's going in the ground, I thought.
Then I put it in the ground.
Then I covered it up with a half a plastic bottle, to acclimatise the wee thing. It might be too soon, you see, so I'm being careful. It's still pretty nippy out there, and there's more snow forecast. One bean at a time. We'll see how that goes.
I also put my "bee hotel" up the other day, incidentally - a Christmas present from my sister. Do what you can to help bees in 2018. Without bees we'd all be dead. Thanks. | 2019-04-22T20:33:38 | https://everdifferentwaters.blogspot.com/2018/02/beans-talk.html |
We believe in using the subject of fashion, together with its industrial importance, to shape lives and drive economic and social transformation.
Find out about open days coming up at London College of Fashion.
Explore LCF facilities, from fashion archives to printing workshops. | 2019-04-22T16:44:53 | https://www.arts.ac.uk/colleges/london-college-of-fashion |
In these places wherever heat comes usually below snowy level, freezing tube restoration becomes a regular thing. Every year, thousands of homeowners call a plumber company to deal with their freezing water pipes. A freezing tube contributes to confined usage of water for not only drinking but also for schedule preparing in addition to cleaning and other everyday job activities.
Getting this issue fixed with a professional plumbing company is obviously advised, however, if you want some ideas to thaw your freezing water pipes on the run, see the points provided below.
Be sure that your tube hasn’t broken as a result of freezing. Snowy of water contributes to their growth which in fact contributes to cracks in the pipe. If your tube has broken, it is better to obtain it replaced/repaired from a plumber company. Generally, pipes that are available in these times don’t crack but merely get blocked.
Once you know that your tube does not have any crack or crevice, turn-off the water working in the pipe. While these residing in previous Water pipes might need to shut their principal water offer, in newly built houses, persons can simply identify the freezing tube from the remaining portion of the water process with a shut-off valve.
So you should open up most of the taps that are attached across the freezing pipe. This can help you to remove the freezing cool water that’s trapped in the pipe. After the stress has sublimed in the tube and is fairly reduced, enable the thawed water to simply produce come out of the pipe.
To thaw the primary of the tube, most plumber businesses guide to cover a towel across the tube and fill warm water. This will provide temperature to the tube and burn the difficult chunks of ice. It’s possible to also make use of a portable dryer to hit hot air onto the the main tube that’s freezing in order to thaw it.
To thaw the residual part of a freezing water tube, you can also place a tiny room heater only next to the tube, switch it on and leave it such as this for at least an hour. This will provide ample level of temperature to thaw probably the most freezing elements of pipe. Nevertheless, remain somewhat alert while you utilize the room heater.
Skilled plumbers also assert the importance of using electric tube heating videos to thaw freezing water pipes. People also tend to use plumbing torches for this specific purpose, but in case of ABS and PVC pipes, they barely work. If nothing shows to be helpful, contact for freezing tube restoration from a number one plumber company.
Previous Article What Can be an ICO in Cryptocurrency? | 2019-04-19T13:19:29 | http://spiritpro.net/simple-methods-of-keeping-your-water-pipes-clean/ |
Phylum cnidaria (Jellyfish) are invertebrates that are well known for their ability to sting, they have capsules in their tentacles that surround the mouth. We have around 75 different cnidaria living in the waters of the BC coastal region.
Many of these creatures are sessile, meaning that they attach themselves permanently at their base and do not move, like the sea anemones, although some can move about on a pedal disk, like a foot on a snail and can travel great distances. Jelly fish swim and drift about with the tides and over time can move great distances too.
Some of our jellyfish here in the BC waters can cause great pain along with bad infections that can resist medical treatment for a long time, caution should be used around them, especially the sea blubber jelly fish.
The Sea Blubber Jellyfish pictured above was about half a meter across the bell with some very long tentacles streaming out behind it.
They have remained unchanged for millions of years, they have been here for 300 million years before before the dinosaurs. The jellylike creatures travel on ocean currents and are abundant in both cold and warm ocean water, they can be seen along all shores and as well, they thrive in deep waters .
They come equipped with stinging cells in their tentacles that they use to stun their prey before they eat them. Inside their bell shaped body is an opening that is its mouth.
The stings can be painful to humans and sometimes very dangerous. But jellyfish don’t purposely attack humans. Most stings occur when people accidentally touch one, but if the sting is from a dangerous species, it can be deadly.
Jellyfish feed on fish, crustaceans and some feed on plants. They in turn are eaten by various animals like the sea turtles who love them. | 2019-04-18T20:57:25 | https://gohiking.ca/animals/fish/jellyfish/ |
If you are a vegetarian who has been diagnosed with diabetes, you can still keep sudieta for diabetics. In some cases, a vegetarian diet can be a healthy way to keep the sangrelos stable glucose levels i.e. If you are eating lean proteins of high quality and sonseguir rules for feed as Diabetico.como many vegans and vegetarians eat more fruits and vegetables in a diaque a no-vegetariano and your intake of fiber is also much higher. One growing number defibra in a diabetic diet can help sugar in the blood, since it slows down the process embraces to digest carbohydrates. A vegetarian diet is generally lower in cholesterol, asiy can help prevent cardiovascular diseases, including heart attacks and strokes.If you are a diabetic and raises change to a diet for some diabetics the quepodria benefits derive included a higher rate of weight loss and better blood sugar readings.
Esdepende of the types of vegetarian meals you choose as some meals without meat may serasi for fattening, containing meat.Talk with your doctor and your dietitian before making the change. You will need the informacionsobre how do the same transition to your new diet. You will also receive a list of the carnealternativas that you must eat to get enough protein in a day. These can be incluirtofu, nuts, eggs and semillas.Como in all change once its change to a vegetarian diet give you already his cuerpotiempo to adapt. There are many recipes and ideas for vegetarian dishes and you will find unmucha variety and flexibility in the meals you prepare. Check frequency sangrecon sugars to make sure that your blood glucose levels are stable during the change. | 2019-04-20T02:12:40 | http://www.ethanolindustrydirectory.com/diabetes-and-vegetarian/ |
If that online lease deal has been eluding you, maybe you aren’t shopping in the right place. Not all online car leasing companies are the same with most having hidden charges that you won’t discover until after you have signed the contract.
Eminent Auto Leasing is upfront and honest when it comes to an online lease. You can feel safe and secure when you sign up with the friendly team from Eminent Auto Leasing.
Eminent Auto Leasing would never attempt to talk you into a vehicle that you can’t afford. Unlike that pesky car salesman at the local lot, you won’t feel pressured to lease a car, truck, SUV or van that you can’t afford the payment on. Why, because once your application has been filled out and you have set a price point that you can afford, the rest is easy.
Eminent Auto Leasing will work with the car dealership taking the hassle out of leasing a car. You will never have to walk on to a car lot with an online lease deal from Eminent Auto Leasing.
An online lease with Eminent is the fast and easy way to lease the vehicle of your choice. You can depend on Eminent to get the best deal possible on your online lease. If you have ever had to deal with a car salesperson in the past, you will know how impossible it is to get the best deal. Unless you spend six or seven hours haggling with the car dealership, it won’t happen. Passing a paper back and forth to the salesman doesn’t happen with Eminent.
Sign up and shop for a new online lease today. | 2019-04-26T09:48:32 | https://eminentautoleasing.com/2018/10/01/an-online-lease-deal-you-cant-believe/ |
As your go-to resource for stunning new cars, Dave Warren Chrysler Dodge Jeep Ram has a wide selection of high-quality Chrysler, Dodge, Jeep, and Ram vehicles to take your breath away! From sleek sedans to powerful trucks and SUVs, you're sure to find what you're looking for on our new vehicle inventory pages. You can browse our inventory online and search by make, model, features, and more. But the most exciting way to experience one of our new cars, trucks, and SUVs is from behind the wheel. So give us a call now, or swing by our Jamestown, NY auto dealership for an exciting test drive today!
At Dave Warren Chrysler Dodge Jeep Ram, we make it easier than ever to find the perfect new Chrysler, Dodge, Jeep or Ram vehicle for you and your family. View our New Vehicle Specials for big savings on our new cars, check out our Payment Estimator tool to see what your auto payments may look like, and if you have a trade-in vehicle, you can get an instant cash offer from our Kelley Blue Book trade-in estimate right now.
When you visit our Dave Warren Deal Maker page, we've laid out, in six easy steps, everything you need in order to get fast approval on the new car, truck, or SUV you've been searching for. It really is easier than you think, and we'd like to prove it to you. Give our Jamestown, NY auto finance center a call to speak with one of our auto financing experts today! | 2019-04-24T14:32:42 | https://www.davewarrenchryslerdodgejeepram.com/inventory/new/jeep |
In 2015, the United Nations unleashed its ambitious Sustainable Development Goals (SDG) framework. Whilst financial literacy does not find an explicit mention, there are at least nine out of 17 SDGs which require a basic level of economic well-being. The absence of poverty; zero hunger; good health and well-being; quality education; gender equality; clean water and sanitation; affordable energy; decent work; reduced inequalities all require a certain degree of economic well-being. A common denominator in achieving economic well-being and thus a better quality of life, is financial literacy. Additionally, gender equality cannot be achieved if women do not have the means to being economically empowered.
The lack of financial literacy is a global problem although it is accentuated in lesser developed countries and is far more acute in the case of women world over. Globally, two in three adults are financially illiterate. World Bank; Organisation for Economic Co-operation and Development (OECD) promoted International Network for Financial Education (INFE); United Nations Development Programme (UNDP); Mastercard Foundation and Financial Literacy Around the World (FLAT World) are actively involved in raising financial literacy and education internationally. These efforts are supplemented by central banks; country and region-specific NGOs and Foundations.
Financial literacy means different things to different people and these vary by geography and strata of society. In its most basic form, it requires imparting the fundamentals of opening and operating a bank account to people who are illiterate (often referred to as the “oral” segment). Its more advanced connotation would cover imparting knowledge of finance, banking, credit, investments and protection to people who are otherwise literate. The important point is that financial literacy has a range of applications that can vary from bringing marginalized communities into the mainstream in developing countries to removing gender disparities in affluent countries.
In 2014, Standard & Poors in partnership with Gallup World Poll conducted the FinLit global survey. The FinLit survey tested respondents on very basic concepts of risk diversification, inflation, numeracy and compound interest which required intuitive answers rather than computations.
The 2014 FinLit report surveyed about 150K individuals across 140 countries. The survey revealed that whilst the problem is universal, women, poor and lesser educated people suffer from greater gaps in financial knowledge. Country-level financial literacy rates range from 71% (Scandinavian countries) to 14% (Afghanistan, Albania) of the adult population. Only one in three adults, globally, are financially literate. Worldwide 35% of men are considered financially literate while 30% of women are considered financially literate leading to an average gender gap of 5%.
The EU itself is divided with a big contrast between levels in North and South Europe. Financial literacy rates vary from 71% in Denmark to a low of 22% in Romania. Countries admitted to EU after 2004 are much lower on the scale. In the BRICS bloc, average financial literacy rates are 28% and varies from 42% in South Africa to 24% in India.
Countries enjoying highest financial literacy levels are Australia, Canada, Denmark, Finland, Germany, Israel, the Netherlands, Norway, Sweden, and the U.K. In contrast, countries with the lowest rates are Afghanistan, Albania, Angola, Armenia, Bangladesh, Cambodia, Haiti, Nepal, Tajikistan, Somalia and Yemen.
The stakeholder system is vast, disparate and far-flung across the globe but there is adequate availability of resources.
Technology: There are several start-ups, consulting firms and quasi-governmental organizations that have developed low cost assets or solutions for financial literacy. For e.g., the start-up awaaz.de in partnership with Gates Foundation , has created mobile podcast videos focused on financial literacy. These efforts have been supplemented by Foundations such as CRISIL Foundation which runs a successful program called mein-pragati (literally “I Progress”). Similarly, MicroSave, a U.K. headquartered financial inclusion consulting firm has set up ePaathshala a digital library on financial literacy for agents and customers.
Funding: is coming from different sources, both government and non-government. The earliest champions of financial literacy, U.K.’s Department for International development (DFID) created the Financial Education Fund between 2008 and 2013 for promoting financial literacy in several countries in Africa. During the same period, we witnessed the prevalence of a highly successful run of mobile money in Africa, chief among them being mPesa in Kenya. In 2008, the Russian federation established a financial literacy program trust fund of $ 15 Million at the World Bank to support the topic.
Networks and Research: Ample research artifacts can be accessed through websites of World Bank, OECD and INFE. The list includes white papers and standards setting. World Bank has developed baseline information and analytics. Consultative Group to Assist the Poor (CGAP) and Gates Foundation have devised criteria for impact evaluation of financial literacy and info exchange. In developed countries like the U.S. several initiatives have been taken. Chief among these are Women’s Institute for Financial Education (WIFE) and Financial Literacy Organization for Women and Girls (FLOW).
The simplest of the indicators are captured in the FinLit survey. These include the rate of literacy and gaps in literacy rates in terms of age, gender, nationality or income group. A higher financial literacy rate conveys a better grasp of understanding the basics of finance, credit, investments and protection. It includes fundamental knowledge of operating a bank account, ATM and on terms such as simple and compound interest; terms of a life policy etc.
In addition, one can rely on other indicators that show the levels of financial literacy improving. One such case study is of India’s Pradhan Mantri Jan Dhan Yojana (Prime Minister’s Peoples Economic Progress) bank accounts. In the last three years 300 million+ fresh bank accounts have been opened in the banking system. Most of these have been inactive and the average balance in these accounts have been nil or negligible. As and when financial literacy improves, we can expect these accounts to have larger balances and also greater activity. A sure measure of financial literacy is to observe, over a period of time, the increase in the average number of financial products in a household. For example, is there an increased off-take in credit or life, accident and health insurance policies? Is there an increase in the number of digital financial transactions?
From an advanced economy perspective, the indicators could include reduced gaps in financial literacy rates in women or reduced gaps among adults who are differentiated on the basis of their education i.e. primary/secondary/tertiary.
Overall, if the U.N. were to achieve its SDGs by 2030, it would only be accomplished by higher financial literacy and education measures.
Progress is not entirely dependent on public policy but public policy can help make the problem much easier to take on. Sooner or later, 193 Governments that belong to the U.N. will realize, to achieve SDG’s, the degree of financial literacy needs to be sharpened. World Bank, OECD and others in many ways try and influence public policy. In some countries like India, financial literacy targets are being set-up and mandated by the banking regulator. Also, larger foundations like Gates Foundation have evolved to the extent of influencing public policy in addition to providing funding.
Lastly, there is common ground for public, private and social sectors in the pursuit of higher financial literacy rates. There are many organizations in the social sector, that have been championing financial literacy. The Institute of Financial Management and Research in India has conducted several pilot programs in this area. But it is a known fact that whilst the social sector can lead in terms of innovation, scaling up cannot be achieved without public sector support. In the case of financial literacy, the private sector is an equal partner in this exercise since it represents a strategic proposition. Banks and financial services providers are the biggest direct beneficiaries of higher financial literacy rates as it would result in widening the size of the market pie and eventually a higher off-take of financial products and services. | 2019-04-25T04:52:42 | https://shaks.blog/tag/womens-institute-for-financial-education/ |
In the times of T+2 having a demat account linked to your trading account becomes really convenient. The non-trading clients can also avail Demat Account with Sushil Finance also.
Today Sushil Finance DP Services are available in 148+ business location across country having more than 1,20,000+ accounts having more than 6,000+ Cr cumulative value shares in their account . This is because of the investors trust with Sushil Finance. Demat Account holder with Sushil Finance receive regular information of their Demat account from dedicated & experienced customer service representatives.
Register for CDSL's SMS Alert facility - SMART & obtain alerts for any debits or credits due to a corporate action, in your demat account.
Accept the DIS book from your DP, only if each slip has been pre-printed with a serial number along with your demat account number & keep it in safe custody.
Ensure that all demat account holder(s) sign on the DIS & please strike out any blank space on the slip. Cancellations or corrections on the DIS should be countersigned by all the account holder(s).
Check the demat performance of the issuer company with your DP before sending certificates for demat. Before sending the shares to DP for dematerialisation please check with DP whether that company is in demat list or not.
Before granting Power of Attorney to anyone to operate your demat account, carefully examine the scope & implications of powers being granted.
The demat account has a nomination facility & it is advisable to appoint a nominee, in case of sole account holders.
Ensure that, both, your holding & transaction statements are received periodically as instructed to your DP. You are entitled to receive a transaction statement every month if you have any transactions & once a quarter if there has been no transactions in your account.
Check your demat account statement on receipt. In case you notice any unauthorized debits or credits, contact your DP for clarifications immediately.
Do not leave your instruction slip book with anyone else. Do not sign blank DIS as it is equivalent to a bearer cheque. Avoid over-writing, cancellations, misspellings, changing of the name & quantity of securities. | 2019-04-22T22:05:23 | https://www.sushilfinance.com/Faqs/depository |
Winner announced for the Fabricworm Hulabaloo Giveaway!
You won our weekly Fat Quarter Bundle Giveaway for 8 fat quarters from the Urban Chiks Hulabaloo Collection pictured here. We've just sent you an email so that you can give us your address!
And check back tomorrow for another great giveaway from Fabricworm!
Thank you FabricWorm & Kristin! I never win anything, so it's lovely to get some happy news in my inbox. Yay! | 2019-04-25T18:00:32 | http://blog.fabricworm.com/2011/04/winner-announced-for-fabricworm.html |
I have been a bit lazy the last few nights, Ollie is racing in the Rolex China Sea Race to the Philippines and I always prefer cooking when there is someone else to cook for. So I seem to be making mostly snacks and eggs for my dinner... Sweet potato wedges are so tasty and so easy to make they are perfect healthy snack or great served beside grilled chicken or a homemade burger if your not being lazy.
Peel sweet potatoes and slice into around 8-12 wedges depending on the size of the potato.
In a bowl, mix potato wedges, olive oil, salt, pepper and rosemary together.
On a non stick baking tray or a tray lined with baking paper evenly spread the wedges out so they are not touching.
Bake wedges in oven, flip wedges half way through cooking.
Remove wedges from oven and place in a paper towel lined bowl and sprinkle with sea salt.
Serve with yogurt dip or ketchup.
Mix all ingredients together and serve in small dish beside wedges. | 2019-04-19T18:35:41 | https://blog.chopcookdine.com/2016/03/baked-sweet-potatoe-wedges.html |
YouVersion Community: Let’s Read the Entire Bible in 400 Seconds!
Have you ever read through the entire Bible in a year? Or the New Testament in 30 days? Maybe you’re even so hard-core you’ve read the whole Bible in 90 Days. But what if we told you we’re planning to make history by reading the entire King James Bible in just 400 seconds?
We’ll all volunteer (and sign up) to read a small section from the Bible out loud.
On Monday, May 2, starting at 12:00 PM Noon U.S. EDT, 11 AM CDT (GMT-5), we’ll each read our portions out loud, simultaneously. Think of it like a global flash mob.
We’ll all share what we’re doing with our friends on Facebook and on Twitter.
That’s it! Visit the YouVersion KJV in 400 Seconds page for details and to reserve your spot. Let’s make history by celebrating history! | 2019-04-20T23:13:10 | http://blog.youversion.com/2011/04/youversion-community-let%E2%80%99s-read-the-entire-bible-in-400-seconds/ |
Find accurate info on the best businesses in Derby in the "Plumbers" category. To make sure you're getting the best deal, submit a quote request and get different offers you can choose from.
1. Stopping small outside water leak from newly demolished hut at Methodist Church 2. Heater under a sink has ceased to work - repair or fit suitable alternative one. | 2019-04-21T18:37:41 | https://derby.cylex-uk.co.uk/plumbers/ |
‘Trap Soul’ is a mixture of Trap and R&B chock-full with flaming and sharp Urban sounds for music producers needing to heighten their productions.
This pack includes +200 softening & instilling Loops & Samples featuring an outstanding pattern of Trap and R&B sounds such as captivating melodies, nimble drum loops, 808 loops and more, All grouped into 5 Construction kits. MIDI files are included so these samples are ready to be chopped, sliced, stretched, and pitched.
If you are looking for high-quality modern sounds, ‘Trap Soul’ will provide you with all you need to create your very own chart-topping Urban tracks. Start mixing and matching these elements to get your own unique sound.
The wet files contain all of the effects processing heard in the audio demos. Dry loops are also included for producers who want to add their own effects. | 2019-04-23T06:34:05 | https://producersources.com/product/trap-soul-hot/ |
boysandgirlscostumes.com is committed to protecting your right to privacy as a user of our website and services. It is our policy to respect the privacy of private communication. We will not sell, share, rent or give away information to any third or outside parties.
The information you provide to us will be held on secure boysandgirlscostumes.com servers based in the United Kingdom. We only collect information about our users as provided to us during the registration or purchasing process, which you agree to supply to us as accurate.
Information collected includes name, shipping address, billing address, telephone numbers, e-mail address, and Items purchased detail only.
boysandgirlscostumes.com does not store your credit or debit card details on its servers, this information is held securely by PayPal. boysandgirlscostumes.com also requires you to create a Customer Account before you place an order; account information can be changed or removed by using your login and password.
We do not monitor your use of the Internet. boysandgirlscostumes.com complies with UK Data Protection Act 1998 Legislation. | 2019-04-19T06:50:40 | http://www.boysandgirlscostumes.com/privacy_policy.html |
Strikingly surrounded by lush mountains plunging down to the sea, dramatically crafting bays, coves and peninsulas, the Gulf of Antalya also known as the Turkish Riviera, is a destination of exceptional beauty.
The city of Antalya, set atop the hills within castle walls at the far end of the gulf, is the largest Turkish city on the western Mediterranean coast, perfectly blending stylishly modern lifestyle with classical Ottoman culture and beauty.
Charter a yacht in Antalya and embark on dreamy sailing holidays in Turkey! | 2019-04-21T14:21:04 | https://vyra.com/destinations/gulf-of-antalya/ |
What is Indiba Stemcell System?
Indiba Stemcell adopts the patented technology of Prolonic Action together with a powerful adipose derived condition media (growth factor) serum to stimulate and rebalance the ion cellular exchange, thus helping cells in recovering their natural vital function in our body metabolism. The thermal action from this treatment will increase capillary circulation and oxygenate the tissues, bringing the effect of draining and eliminating impurities from the body yet also carried into the face through the patented frequency can also improve the skin elasticity and boost cell metabolism.
The dynamic collagen boosting stage begins. fell the instant face life and bouncy skin like never before.
During the event launch, it is an informative launch. I have learnt many new thing about do & don't about skin care and also watched live demo of Indiba Stemcell System. After that, I received a complimentary voucher for myself to try it out the treatment. I can't express my excitement to try this Indiba Stemcell System but unfortunately since I just had my filler done, I have no other choice by passing this chance to my mum since she need it as well.
So, I made appointment at nearest Bella Skin (Damansara Utama branch) to let my mum experience and feel the result of Indiba Stemcell System.
Before the treatment start, my mum has to did skin analysis to know what was her skin condition and problem so Bella Skin Care would know and targets the problem area.
After changing clothes, then the therapist (Sally) helps to cleanse and toner my mum face as usual facial treatment will do. Then, the therapist will go through an energy procedure to determine the optimum energy level for the skin by stimulate nine limp nodes on mum's face and neck for better absorption and detoxifying.
After nine limp nodes, the therapist will start target on epidermis level to tighten and tone the skin and archive better drainage. Not forgot to mention, it's kinda incredible that Indiba Stemcell System is suitable for eyes area as well. Therefore, the therapist also went thru my mum's eyes area.
For the last step, the therapist will put the machine on her hand and then massaged thoroughly by hand to ensure the nutrients are delivered deep into dermis level ti increasing the fibroblast responsible for collagen production and improving cell functions.
Here' the comparison before and after treatment. It's quite a big different when comparing.
I like Indiba Stemcell System. The treatment is warm and very comfortable made me fall asleep in halfway (*laugh). I can feel my skin starts tighten few minutes when the therapist gently massage my face and it's even more stronger when she repeating massage my face afterward. My favorite part is when the therapist massaging using by her hand gently on my face and neck. When my daughter showed me the picture and told me that she is sending the energy to my face thru the machine on her hand, it's actually pretty fresh thing although I knew this concept was not new. But I can feel myself in Bella Skin.
I can see there was a big different. I found that wrinkles and fine lines are less visible (desalination). Then, my face is more glowing and it still glow until now (forth day after treatment). The biggest different is my face definitely looks firmer and lifting. I can feel my skin is tighter as well. The therapist told me to put a hydration mask at night after the treatment to prevent dry skin on the next day because it's pretty normal when skin went dry after facial treatment. It's pretty work! My skin is not dry on the next day after treatment and my nose area (driest part) doesn't peel. Overall, I love the treatment. I am thinking going back for more.
For those who interested to have a bouncy baby skin, Bella Skin Care is inviting you to experience the good of Indiba Stemcell System, Bouncy Baby Skin @RM699 with an instant v-shaped face result!
Visit 'HERE' to apply if you're interest.
Nice post. Thanks for post. We are waiting for your next post. | 2019-04-24T03:51:47 | http://www.thechency.com/2014/08/bella-skin-young-again-indiba-stemcell.html |
When you share your information with Sequoia Gallery + Studios online, we assure you that your information will be kept confidential and as secure as possible.
We will not rent or sell your name, address, email address, credit card information or personal information to any third party without your permission.
We only send you email or US Mail if you sign up for our mailing list. If you wish to be removed from the mailing list, please contact us. | 2019-04-18T11:18:55 | https://sequoiagallerystudios.org/privacy-policy/ |
This leather journal has been lovingly handmade by me. It is a wonderful way for the writer or artist to jot down notes, sketches, ideas, and more!
~ reinforced long stitch binding, with a twist!
~ approximately 4.5" x 4.5" x 1"
~ it may even fit in your pocket, depending on the size of the pocket! | 2019-04-21T23:04:03 | https://www.etsy.com/listing/640552192/leather-journal-chocolate-brown-hand?ref=shop_home_active_4 |
Ever since India Unlimited in Lamplighter Square went out of business, I’ve had trouble finding my favorite ingredients for cooking Indian cuisine at home. So, I was happy to hear of the opening a new, 6,000-square-foot market specializing in foods and ingredients from India, Pakistan, Nepal, Burma, Bhutan, Europe, Iran, the Middle-East, Africa, Bangladesh, Tibet, Sri Lanka, Afghanistan and Southeast Asian countries. It’s called Qaderi Sweetz ’n’ Spicez and is located at 1785 S. State in Salt Lake City (it’s the second location; the first is at 3546 S. Redwood Road). It has everything from halal and vegetarian offerings to incense, Indian cookware, imported teas and coffees, hundreds of spices, fresh breads like poori and naan, and even Bollywood videos. Phone 801-484-0265 for more information.
On July 25, Lake Powell Resorts & Marinas opens an interesting new eatery: one that floats. Latitude 37 will be located on the water at Wahweap Marina and takes full advantage of the scenic natural beauty of Lake Powell, with seating for 50 inside and a rooftop balcony that will offer spectacular views of Wahweap Bay, Castle Rock and Navajo Mountain. Chef Matt Smith’s Latitude 37 menu features selections such as smoked-brisket nachos, a black & blue chicken burger and a smoky Southwest Portobello mushroom sandwich. A wide variety of fresh-made milkshakes will also be offered, along with cocktails. Latitude 37 is accessible from both the land and water and will be open for breakfast, lunch and dinner. For more information or reservations, visit LakePowell.com or call 888-896-3829.
Each Thursday, The Farm restaurant at Canyons Resort (4000 Navajo Trail, Park City) will host an event called Crafted Cocktails at The Farm Restaurant. The art of modern and classic mixology will be showcased with one classic and one contemporary specialty cocktail sampled. Guests must be 21 or older and the cost is $20 per person. For additional information or to reserve your spot, call The Farm at 435-615-8080 or visit CanyonsResort.com. | 2019-04-21T04:17:03 | https://www.cityweekly.net/utah/qaderi-sweetz-n-spicez/Content?oid=2303791 |
I's the best day of the year and a foodies favourite time. I spent the entire weekend poorly at home so had numerous attempts at pancake testing and managed to come up with this amazing recipe! It contains no gluten, no dairy and is completely vegan! It's the first time I've managed to create a pancake recipe without eggs, which is super difficult, but these have turned out to be sweet, light and spongy.
I have added in the chia seeds because they are nutritious, a great source of omega-3 fatty acids and have a large amount of fibre in them. Plus because the chia seeds expand once then enter the stomach and absorb the water, they will also help you to feel fuller for longer.
Bananas are also a great addition to this mixture. Not only do they help to bind all of the ingredients together and create s spongy texture, but they are also a great source of fibre, vitamin b6 to help you sleep well and magnesium to help to relax your muscles.
To cook these I used Coconut oil and a tiny pan specifically bought for pancake needs. However, you can pour mixture into a large pan and cook a few little pancakes at the same time. But I have OCD and like all my pancakes to be exactly the same size and stackable!
Put the oats in a blender and blitz them until it forms a flour like consistency.
Stir in the other ingredients - banana, chia seeds, flour, baking powder and soy milk.
Blend until it is a smooth but thick batter mix.
Leave for about 10 minutes in the fridge to thicken.
Melt coconut oil in a frying pan and pour in some mixture. This mixture makes approximately 6 little but thick pancakes. You should cook these on a medium/low heat, you dont want to burn them.
Flip them over when you can see the mixture start to bubble.
Cover with your selection of toppings and enjoy!
Make sure you eat lots of pancakes!! | 2019-04-24T14:30:38 | http://www.nutritionbylucy.co.uk/2017/02/gfdfvegan-healthy-pancake-recipe.html |
This course is designed for all levels of management and those responsible for implementation of healthy and safe working in the organisation – including managers, supervisors and foremen etc.
Why is it important to manage safely?
How are risk assessments carried out?
How do you reduce risk?
How do you decide which risk control to use?
What are the key parts of a health and safety management system ?
What can you do about common hazards?
How do accidents and incidents happen?
How do you carry out an accident investigation?
What is performance measurement about?
How do you measure health and safety performance?
What’s the impact of industry on the environment?
How can we control pollution and waste?
What are the main elements of an environment management system.
Managing Safely Certificate from the Institution of Occupational Safety and Health (IOSH) - UK.
Course Assessment : The method of assessment will be by a written examination at the end of the course plus on completion of the course there is an assignment/project which must be completed and returned to us within 14 days for marking. | 2019-04-26T04:38:49 | https://tsqctc.com/pages.php?menu_id=3&submenu_id=0&submenu2_id=19&exp=5 |
Powerline takes two cracks at the decision to restart DACA - by the same judge who threw out the original opinion in April.
Our robed master Bates ruled that the Trump administration had inadequately explained its rejection of the Obama administration’s DACA decree, but he kindly afforded Trump one more chance to explain.
If he opened his mind, Bates might understand what the Trump team is trying to do.
But that would be too hard. | 2019-04-20T20:44:25 | http://fishersvillemike.blogspot.com/2018/08/ill-use-small-words-so-you-can.html |
The new Shiawassee Township Fire Hall, Fremont Community Center and Bancroft Branch of Community District Library welcomed guests to the new facility during an open house on Wednesday afternoon.
Perrin Construction built the new structure that is located just off I-69 on Grand River Road.
Didn't make it to the open house? Check out our photos!
The upper level of the Cavalier Bar in downtown Corunna was gutted in a fire that brought numerous departments to help battle a blaze that began Wednesday afternoon. | 2019-04-24T04:09:32 | http://www.corunnanow.com/Stories-New-Shiawassee-Township-Fire-Hall-Hosts-Open-House.html |
In this section I will put some tips that I have found are more helpful to make your blog become more dynamic.
1. Always have images available as they make a post standout.
3. Try and spellcheck your work before posting as you can get some creative errors if you don’t.
4. Never post your blog from goodreads you need to actually post direct to your blog to make it show up.
5. Make sure tags are done and categories so people can find things easier.
6. Try to gauge who your audience is and write to them. For book blogging you don’t need to write in technical jargon. | 2019-04-22T06:46:39 | https://seansbookreviews.com/blogging-tips/?shared=email&msg=fail |
The Align Chrome One-Handle Pre-Rinse Spring Pulldown Kitchen Faucet from Moen, a single-handle faucet featuring a pullout wand for easy access to all corners of even the largest sinks.
Now is a great time to invest in your home, and renovating your kitchen is usually the most cost-effective upgrade you can make. As the room where families spend the most time together, the improvements can be enjoyed on a daily basis and much of the renovation costs can be recouped when you do decide to sell.
Get the most out of your remodel by keeping the answers to these common remodeling questions in mind.
Q: Where's the best place to begin?
According to My Home, My Money Pit by Tom Kraeutler and Leslie Segrete, you should start at the end – by determining how you want to use the remodeled space. Although your primary inclination will be to pick out the style of kitchen you like best, you need to first consider how your kitchen fits your lifestyle and how you need it to function. Think about whether or not you have ample space to work efficiently or enough storage for your kitchen tools. If you use the space to pay bills and handle other household business, think about adding an office area. Once you know what you need from your new kitchen, you'll be able to solve the problems when you're remodeling.
Q: What makes a kitchen remodel more or less expensive?
Kraeutler and Segrete say that cabinets can be the single largest expense in a kitchen remodel. If you're looking to cut back on expenses, existing cabinets can often be repaired, reinforced or refinished instead of replaced. Just be sure to check your cabinets' construction; if they're made of veneers, they can't be sanded or stained, so painting will be your only option. Surfaces are also another arena where you can splurge or save – it all depends on the materials you choose. Look for more cost-effective options for counters, backsplashes and floors to keep your budget in check. But like any major purchase, you should only spend what you can afford.
When remodeling your kitchen, keep the "work triangle" in mind – the kitchen area from the refrigerator to the main cooking area to the sink. It's important because all of the key kitchen activities – food preparation, cooking and clean-up – take place in adjacent locations, improving the functionality of your new kitchen by streamlining the meal-making process.
Look to include budget-friendly options that allow you to upgrade your work triangle without incurring a huge expense. Include an undermount sink and pullout faucet to increase efficiency. Moen's stainless steel sinks are available in multiple sizes and configurations and are constructed from durable stainless steel, ranging from18 gauge to 22 gauge. Moen stainless steel sinks feature SoundSHIELD™ noise-protection undercoating for a quieter experience while working at the sink.
Pair your new sink with the Align Chrome One-Handle Pre-Rinse Spring Pulldown Kitchen Faucet from Moen, a single-handle faucet featuring a pullout wand for easy access to all corners of even the largest sinks. Available in two finishes, including the versatile SpotResist Stainless and Chrome, the Align Spring Faucet fits any fresh new décor. It makes prep and clean-up effortless.
Q: What is the most desired kitchen feature?
The kitchen island has become the must-have item in any kitchen. Since it's centrally located, the island is easily accessed and ideal for various kitchen tasks. The island can also double as an eating and entertaining area – making it a smart, stylish and functional addition to any space. | 2019-04-21T21:29:25 | https://www.moen.ca/kitchen/design-planning/design-advice/designarticle_062 |
Our database contains 1000 drivers for PCI\VEN_8086&DEV_1E22. For uploading the necessary driver, select it from the list and click on ‘Download’ button. Please, assure yourself in the compatibility of the selected driver with your current OS just to guarantee its correct and efficient work. | 2019-04-22T18:20:16 | https://sciencespaces.com/search/PCI%5CVEN_8086--ds--DEV_1E22/ |
The Toronto Independent Music Awards were Friday night – and it’s taken me the entire weekend to finally come down from the high.
I’ve been following the TIMAs for the better part of six years now, but this past awards gala was my first, and what a first it was.
I got to Revival on College St late – though I was just in time to catch the tail end of Jutes’ performance. The hip-hop duo look like they should be playing skater-era surf pop, but instead they’re rhyming off with the best of ’em.
JoJo Worthington (who was also nominated for Best Young Songwriter that night) also played the TIMA stage. Worthington just won a publishing contract with Universal (I think), and it makes sense, since her brand of DIY synth-sounds-meets-ukelele (think Grimes in high school) is really popular now. She didn’t do it for me, but the crowd loved her.
Country belle dani strong (who prefers the lower-cased spelling, thank you very much) tore the TIMA stage to bits, with her full band, wild performance, fun energy – and Jose Baptista impression. She was a blast to watch, and I’ll certainly be keeping an eye out for her.
Next up was another hip-hop act, OSIYM. They brought the fire to the stage, getting the growing crowd worked up. They had a meticulously planned set, and they pulled off their performance without a hitch. And, on a night when Toronto need a bit of cheering up, they did just that with plenty of feel-good audience call-outs.
After OSIYM’s electric performance, the incomparable Dani Oliva – who founded the TIMAs as a teen and still runs the show despite currently calling California home – took the stage to thank the show’s sponsors and give the Toronto indie music scene a well-deserved pat on the back.
Oh, and announced the long list of lucky winners (find them all below).
As the category winners were called out one-by-one, the hall slowly cleared out – which was a damn shame because The Nursery took the stage next.
The band won a TIMA not too many moons ago, and they’ve been making good use of the exposure. They just finished a long tour with Das Blankout and earlier this year, released a critically acclaimed two-song EP.
Despite the less-than-stellar crowd, The Nursery played their hearts out and undoubtedly made a long list of new fans that night. If you left early (lame) or otherwise haven’t heard of the band, look ’em up – you won’t be disappointed.
If nothing else, the 2015 TIMA gala serves to prove how amazing the independent music scene in Toronto is. Where else can hip-hop artists share a stage with a country singer without dividing the crowd? We’re a blessed bunch, those who call Toronto home, because our music industry is truly unparalleled.
For more on the TIMAs, visit torontoima.com. For photos from the night, visit our Facebook page. | 2019-04-24T10:05:57 | http://razmatazmag.com/2015/blog-tima-wrap-up-were-all-winners-here/ |
Subsets and Splits
No saved queries yet
Save your SQL queries to embed, download, and access them later. Queries will appear here once saved.