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Wesley Rashid and Asima Hafesjit, co-founders, The Accountancy Cloud
The Accountancy Cloud
Chatham House Rules, whereby what's spoken in a meeting or forum can be repeated, but sources of the information can't be disclosed, can be a very irritating imposition for journalists trying to cover an event.
However, information discovered and researched as a result of such a forum are fair game. Last week was one such time when, in a city whose identity shall remain as anonymous as the attendees, several stakeholders were invited to a roundtable discussion to explore FinTech and blockchain; how the old can work with the new to improve cash flow for small to medium enterprises (SMEs).
Startups were high on the agenda, as they have been through most of 2019 as traditional banks finally realise this sector of the economy has been woefully overlooked.
Some surprising facts emerged, for example, one source cites a survey revealing 60% SMEs are not interested in growing into larger businesses and would go so far as turning down credit to avoid growth.
There are several reasons for this, not least the scandalous time it takes for SMEs to be paid by their (generally larger) clients. Why should any business wait at least three months to be paid for work already completed? This results in restricted growth and restrains the backbone of any country's economy.
FinTech startups are addressing this anomaly, opening other ways for SMEs to operate and while challenger banks are good news for SMEs, another less widely-known aspect of FinTech is also bringing great benefits
Keep reading this article on Forbes Small Business.


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Burnham Market, Norfolk
This charming Norfolk cottage offers tasteful home-from-home accommodation in one of the county's most sought-after villages.
Geldeston, Norfolk
Detached cottage with woodburner, situated on the Norfolk/Suffolk border close to the River Waveney. Good boating and fishing facilities within 500 yards. Shop and Post Office 1 mile, 2 pubs close by.
Binham, Norfolk
This carefully modernised end terrace cottage overlooks the green of a pretty village and offers a woodburner and small enclosed garden. Beach 4 miles, pub, butchers and shops within walking distance
Field Dalling, Norfolk
Attractive Grade II listed cottage offering well-maintained period accommodation for four guests in the rural village of Field Dalling, just four miles from the North Norfolk coast.
Little Walsingham, Norfolk
Situated just a few miles from the coast, this cosy and traditional Grade-II listed cottage lies in the tranquil village of Little Walsingham, renowned as a place of pilgrimage since medieval times.
Cley, Norfolk
A traditional fisherman's cottage, offering a charming blend of period features and contemporary creature comforts, situated overlooking the salt marshes in the village of Cley-next-the-Sea.
Salthouse, Norfolk
A pretty two-bedroom cottage offering thoughtfully maintained period accommodation for four guests, enjoying a beautiful location overlooking the salt marshes in the village of Salthouse.
Set close to the shrine in the historic village of Little Walsingham, this charming cottage makes an ideal base for exploring the beautiful countryside and the stunning coast of northern Norfolk.
Stanhoe, Norfolk
Cosy semi-detached cottage overlooking a large duck pond and enjoying an enclosed garden with seating. Sailing, horse riding, and golf nearby. Beach 4 miles, shops 3 miles and pub/restaurant within walking distance.
Scarning, Norfolk
Detached bungalow in a quiet location with large garden and woodland walks. Conveniently situated for exploring Norfolk with a range of activities from visiting the beach, going to the races or riding the steam train.
Colkirk, Norfolk
A comfortable family-style property sleeping four guests, enjoying a quiet village location in North Norfolk, situated within 15 miles of beautiful sandy beaches at Wells-next-the-Sea and Holkham Bay.
Stiffkey, Norfolk
A pretty barn conversion property offering delightful period accommodation with a lawned garden, situated just 1 mile from the attractive North Norfolk coastline.
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Sachem Capital (NYSEAMERICAN:SACH) Posts Quarterly Earnings Results, Hits Expectations
Sachem Capital (NYSEAMERICAN:SACH) released its earnings results on Thursday. The company reported $0.10 earnings per share (EPS) for the quarter, hitting the Thomson Reuters' consensus estimate of $0.10, Fidelity Earnings reports. The firm had revenue of $3.38 million during the quarter.
Shares of Sachem Capital stock traded down $0.09 during trading on Friday, hitting $4.18. The stock had a trading volume of 130,377 shares, compared to its average volume of 133,738. Sachem Capital has a 12 month low of $3.80 and a 12 month high of $5.70.
The company also recently announced a dividend, which was paid on Tuesday, October 22nd. Stockholders of record on Monday, October 14th were issued a $0.12 dividend. The ex-dividend date was Thursday, October 10th.
About Sachem Capital
Sachem Capital Corp. operates as a real estate finance company. The company engages in originating, underwriting, funding, servicing, and managing a portfolio of short-term loans secured by first mortgage liens on real property located primarily in Connecticut. It offers loans to real estate investors to fund their acquisition, renovation, development, rehabilitation, or improvement of properties located in Connecticut, Massachusetts, Florida, New York, Vermont, and Rhode Island.
Recommended Story: What is the Bid-Ask Spread?
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Product name
hot sale yard garden decorative life size marble male nude carving stone David statue sculpture
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Ford Escape SE
The 2018 Ford Escape. It features a front-wheel-drive platform, an automatic transmission, and an efficient 4 cylinder engine. A turbocharger further enhances performance, while also preserving fuel economy. Ford infused the interior with top shelf amenities, such as: a tachometer, adjustable headrests in all seating positions, heated seats, fully automatic headlights, tilt and telescoping steering wheel, power door mirrors, and power windows. Audio features include a CD player with MP3 capability, and 6 well positioned speakers. In the event of a rollover collision, side curtain airbags provide additional protection for outboard seated passengers. This vehicle has achieved Certified Pre-Owned status, by passing Ford's rigorous certification process. You will have a pleasant shopping experience that is fun, informative, and never high pressured. Stop by our dealership or give us a call for more information.


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ROTA, Spain — A 2003 Mountain Valley High School graduate and Roxbury native is serving in the U.S. Navy aboard the guided missile destroyer USS Ross.
Petty Officer 2nd Class Craig Arsenault is a gas turbine systems technician (mechanical) aboard the forward-deployed Arleigh Burke-class guided missile destroyer operating out of Rota.
He's responsible for keeping the ship's engines working.
"I like working with my hands and the fast-paced environment here on the Ross," Arsenault said.
Commissioned in June 1997, the destroyer measures about 500 feet and is powered by four gas turbines that allow the destroyer to achieve over 30 mph in open seas. It was named in honor of Medal of Honor recipient Capt. Donald K. Ross. He was awarded the Medal of Honor for his heroism during the attack on Pearl Harbor.
This ship has been fitted with the Aegis ballistic missile defense capability that enables the ship to conduct long-range surveillance, tracking and engagement of short and medium-range ballistic missiles.
Assigned to U.S. 6th Fleet, sailors are on watch throughout the European region and are important assets supporting the European Phased Adaptive Approach to enhance the security of that area of the world from ballistic missile threats originating in the Middle East.
About 30 officers and 300 enlisted men and women make up the ship's company. Their jobs are highly specialized and keep each part of the cruiser running smoothly, according to Navy officials. The jobs range from washing dishes and preparing meals to maintaining engines and handling weaponry.
"The best part about serving aboard this ship is being home-ported in Rota, Spain," Arsenault said. "Europe is great."
As a member of one of the U.S. Navy's most relied-upon assets, Arsenault explained that he and other Ross sailors know they are part of a legacy that will last beyond their lifetimes.
"The Navy has been great to me," Arsenault added. "I grew up in a small town, but I have been able to see the world and get paid for it."
Comments are not available on this story.
Advertiser Democrat
Municipal Agenda – Harrison Board of Selectmen Dec. 12, 2019
Seagrass to perform at Village Coffeehouse
Video: Excavator hits, breaks Gardiner water main
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U.S. lab chimps were dumped on Liberia's Monkey Island and left to starve. Their caretaker saved them.
French documentary to be shown at Franco Center


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The Norse culture believed in and honored many different supernatural beings or gods or goddesses on a daily basis. For example, when help was needed for a husband and a wife to conceive or birth a child, or to work out problems that they were having in their marriage or to make the land and the sea produce more food, they would call upon the Goddess Freya. She was the Goddess of Abundance and Fertility. If there was a drought or a flood, they would call upon Thor, the God of Thunder and one of the most powerful gods, to either bring the rain or stop the rain in order to help the food grow because he was known as the one who held the thunder and lightning. If a man from the Norse culture ...view middle of the document...
It was initiated by the male suitor and approved by the woman's father. In many cases, marriages were arranged to build an alliance between families. The marriage was the means by which the families' wealth was distributed amongst the next generation. The groom's father promised to pay a sum called mundr (bride price) to obtain the woman. The bride's father declared his right to give his daughter away and promised to pay a heimangero (dowry) at the wedding.
The two parties shook hands in front of witnesses to fix the bargain, and arranged a date, usually within a year. Thus, the betrothal differed little from any other commercial transaction: there was an agreed upon price, a handshake, and witnesses." A boy was an adult after the age of fifteen and a girl who was twelve years old was thought to be old enough to marry.
The Norse were very hard working people and most of their food came from growing it on their own farms. Their meat came from birds, horses, pigs, cattle, goats and sheep. They ate a lot of bread made from oats, barley and rye. Their dairy came from their goats, cows and sheep, as did their butter and cheese. They grew a large variety of vegetables, which included onions, peas, cabbage and beans and they ate a lot of fruit, which included berries, apples, cherries and pears. They used wild honey to make their foods sweet. If they lived near a river or a lake, then they ate a lot of fish. The men were the hunters and would often bring home rabbits, deer, elk, bears and boar. The women were very skilled in preserving the food by smoking it or by drying it out. The women did the majority of the cooking, mostly by boiling everything in a cauldron that was hung over a fire pit by an iron chain, but sometimes, they would roast the meats on a spit. Most Norse families ate at least two meals a day and most were able to sit at a table. If the family was very wealthy, they would have a tablecloth on their table.
In death, social structure determined what you would be buried with and how you would be buried. If a person was wealthy, they were buried in a large grave with all of their possessions that they would have used in their day to day life. They would have even been buried with their horse and slaves. If a person was poor, they were buried in a simple grave with just a few of the possessions that they would have used on a day to day basis.
William R. Short. 1996. 10 April 2010.
The story of Thor's Stolen Hammer is about how Thor's, the God of Thunder, magic hammer, which was also known as Mjollnir, was stolen from his belt. In the beginning of the story, Thor thought that his friend Loki, who was always playing tricks on everyone, had taken his hammer but when Thor asked Loki if he did take it, Loki told him that he had not taken it. This made Thor even madder because now he knew that it had definitely been stolen. Thor then asked Loki if he would help him find it and of course, after seeing how...


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Our Ever-changing World
I think I'm unrelenting
but things are changing
The clock is ticking
Time is speeding
Poetry| Places| Travel| Lifestyle| Articles| Inspiration| Personal Development
I think I'm unrelenting
but things are changing
The clock is ticking
Time is speeding
I wish for a life filled with love.
I wish for a million more wishes.
I wish for another hundred birthdays.
I wish for every day to be as easy as today.
Smile because you woke up this morning, you are alive and you have another day to take on the world.
Smile because you can see the sunshine in all its glory and also see it set at the end of the day.
You can either let fear stall you or drive you. Let it drive you.
You can either let your mistakes stop you or move you. Let them move you.
My Mom was furious on Saturday and she yelled at me that I must not be seen anywhere with you again. I was confused and sad because it was totally unfair. I had been a good girl and I didn't get into any trouble.Read More
There were no stars in the sky
There was darkness all around me
There was no one here but you
As much as my blog has grown over the years and my stats and engagement have increased this year, I still don't feel like I have connected enough with you. Yes you, my readers and followers.Read More
I am not going to put other people's feelings before mine.
I am not holding conversations I don't want to be a part of.
I am not getting involved in other people's businesses.
The concept of taking care of yourself is in our faces daily, from the books we read to the ads on the radio, to what we see on TV, and quotes on social media but do we really remember to take care of ourselves? When was the last time you took care of yourself? If you have to think to answer then clearly you aren't. To help you, I compiled a list of self-care ideas you can adopt.Read More
I like how your eyes light up when you see me.
I like how you ask how my day went every single day even on a Sunday.
I like how you check up on me even when I haven't texted or called in a minute.Read More
The snakeskin print trend took over the fashion industry early this year and I still haven't gotten enough of it. I have bought a couple of snakeskin print pieces during this time and my top is one of them.Read More
Atmosphere Rooftop is a contemporary restaurant and bar located at Lennox Mall on Admiralty Way, Lekki Phase 1, Lagos. It is relatively new and is now considered one of the top hangout spots in Lekki giving The Harvest a run for its money.Read More


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Greetinks 40 x Einladungskarten für Geburtstag 'Flamingos' in pink Personalisierte Einladungen zum selbst gestalten 40 Stück Geburtstagseinladungen Einladungen Party & Jugendweihe
Summer courses offer a variety of benefits, such as the ability to focus on a challenging subject without a full semester course load or the chance to bolster one's GPA.
You're accepted! What's next? Here's everything you need to know to join our Tiger family.
Visitors to LSU's historic campus are quick to note two unique features: the intensity of Tiger spirit and the beautiful landscaping.
Whether it's transitioning to the college environment, participating in peer-mentoring programs or staying on track with your degree, we provide the resources you need to thrive at LSU.
LSU is consistently ranked as one of the best universities in the country by Forbes, Princeton Review, U.S. News & World Report and Kiplinger.


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How can I tell my friend that I don't want to do roller skating lessons anymore?
Back in early summer last year my friend said that she is really interested and keen to take up roller skating and she asked me if I would like to join. Back then I was curious and as I use to roller skate as a kid I thought why not dig up an old hobby. So we decided to take lessons that would take place at a roller rink that is a 50 min drive away (that's the nearest one) and the lessons would take place at 9 am on a Sunday.
Back when we decided to do this I didn't think anything of it, we take turns driving there and the lessons are £5.
But now I'm not enjoying it. Getting up at stupid a clock and driving for 50 mins on the motorway on a Sunday is not something that I want to do anymore. £5 a week for me, as a student, is adding up to be expensive and I could save this money for something else like food or rent.
I just don't know how to tell my friend that I'm not interested anymore. Every week she is like "can't wait for skating" or "I'm glad we do this skating thing, gives us a break from uni work" or "I'm really enjoying skating" and I just sit there thinking I'm not enjoying it at all. I mean I was at first but now not at all.
With her expressing how much she loves skating I just don't know how to tell her that I'm not, I don't want to hurt her feelings!
What should I do should I just tell her?
5 Answers
- DIEGO.Lv 78 months ago
i like winter sports!
- Anonymous9 months ago
Just be honest with her. Explain to her that you don't really enjoy skating as much as you used to and how it's adding up to your expenses.
- Chris AncorLv 710 months ago
Just tell her that roller skates don't work too well on ice & you want to quit for safety reasons.
- Chris AncorLv 75 months agoReport
do it.
- Anonymous10 months ago
Just tell her. But it sounds like she really enjoys the time with you and maybe that's what makes the skating that much more important to her. Talk to her and see if you both can come up with a new hobby so you can still have that weekly time together
- How do you think about the answers? You can sign in to vote the answer.
- PearlLv 710 months ago
just tell her its nothing personal but you prefer not to do it anynnore


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Related Articles
- Comparison of actions of disodium cromoglycate and ketotifen on exercise-induced bronchoconstriction in childhood asthma. // British Medical Journal;11/29/1980, Vol. 281 Issue 6253, p1458
Compares the actions of disodium cromoglycate and ketotifen on exercise-induced bronchoconstriction in childhood asthma. Similarity in protecting against antigen challenge; Capacity of cromoglycate in preventing exercise-induced bronchoconstriction; Difference on the clinical effectiveness of...
- Disodium Cromoglycate in Bronchial Asthma. Chai, Hyman; Molk, Leizer; Middleton Jr., Elliott // Annals of Internal Medicine;Dec69, Vol. 71 Issue 6, p1212
Editorial. Focuses on the use of disodium cromoglycate in bronchial asthma. Mechanism of action; Clinical trials; Administration of the drug.
- Disodium cromoglycate can inhibit virus-induced cytopathic effects in vitro. Penttinen, Kari; Aarnio, Anne; Hovi, Tapani // British Medical Journal;1/8/1977, Vol. 1 Issue 6053, p82
Examines the efficacy of disodium cromoglycate in treating bronchial asthma and seasonal rhinitis. Prevention of tissue destruction; Inhibition of the cytolytic effects of the viruses; Use in alleviating the symptoms of the disease.
- Sodium cromoglycate and verapamil alone and in combination in exercise induced asthma. Patel, K.R. // British Medical Journal (Clinical Research Edition);2/19/1983, Vol. 286 Issue 6365, p606
Investigates the role of sodium cromoglycate and verapamil in the pathogenesis of exercise induced asthma in Glasgow, Scotland. Mechanism of sodium cromoglycate in vitro; Efficacy of the two drug in modifying exercise induced asthma; Observation of an intrasubject variability in response to the...
- Therapy with Cromolyn Sodium. Bernstein, I. Leonard; Johnson, Charles L.; Tse, C. S. Ted // Annals of Internal Medicine;Aug78, Vol. 89 Issue 2, p228
Presents a study which recognized the effectiveness of cromolyn sodium therapy in the treatment of asthma. Therapeutic value of cromolyn in bronchospasm; Chemical and physical properties of disodium cromoglycate; Clinical effectiveness of cromolyn-like compounds.
- Adjuvant therapy. // CMAJ: Canadian Medical Association Journal;11/30/99 Supplement, Vol. 161, pS35
The article focuses on the recommendations for the administration of non-steroidal inhaled anti-inflammatory agents and anticholinergic drugs for asthma. The article offers guidelines for the use of Disodium cromoglycate, Nedocromil sodium, Ketotifen, and Theophylline and its derivatives for...
- Treatment of Asthmatic Children for Six Months with Disodium Cromoglycate. Bedford, S.; Kuzemko, J. A. // Clinical Pediatrics;Dec1970, Vol. 9 Issue 12, p713
Evaluates the treatment asthmatic children with disodium cromoglycate. Doses of inhaled drugs; Observation of dry mouth as side effects; Report of reduced school absences following therapy; Citation of the potential danger of severe exacerbation of asthma and failure of adrenocortical response...
- Do the benefits of daily inhaled steroid treatment of mild asthma outweigh the risks? Pedersen, Søren // Archives of Disease in Childhood;Aug2008, Vol. 93 Issue 8, p644
The article presents a study on the preponderance to risks on the benefits of daily inhaled steroid treatment for mild asthma. It relates on the findings from the study of Turpeinen and colleagues that confirmed a significant treatment to moderate and severe asthma with inhaled corticosteroid...
- Bronchodilator effect of sodium cromoglycate and its clinical implications. Chung, J.T.N.; Jones, R.S. // British Medical Journal;10/27/1979, Vol. 2 Issue 6197, p1033
Examines the efficacy of sodium cromoglycate (SCG) for the treatment of children with asthma. Comparison between SCG and salbutamol with placebo; Measurement of peak expiratory flow rate before exercise; Evaluation of the bronchodilator action of SCG.
- Inhaled sodium cromoglycate in children with asthma. Edwards, A.; Stevens, M.; Holgate, S.; Likura, Y.; Aring;berg, N.; König, P.; Reinhardt, D.; Stenius-Aarniala, B.; Warner, J.; Weinberg, E.; Callaghan, B.; Howell, J.; Iikura, Y; Aberg, N; König, P // Thorax;Mar2002, Vol. 57 Issue 3, p282
Presents a letter to the editor concerning inhaled sodium cromoglycate in children with asthma.


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We have 21 used Dodge Nitro cars available on our site.
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Dodge Nitro 2.8 CRD SE 5dr 5 Door in Red, + FULL SERVICE HISTORY + LONG MOT + X2 KEYS + EXCELLENT CONDITION + LOTS OF DOCUMENTED SERVICE BILLS + 6 MONTHS RAC WARRANTY + FINANCE OPTIONS AVAILABLE UPON REQUEST + MOT UNTIL SEPTEMBER 2020, LOOKS
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Dodge Nitro 5 Door in Red, Car is in lovely condition through inside and outside automatic cruise control 4 by 4 navigation hands free cd player power steering radio electric windows and mirrors and electric chairs diesel
Dodge Nitro 2.8 CRD SXT 5dr Auto 5 Door in Red, Red, ALLOY WHEELS, FOG-LIGHTS, PARKING SENSORS, ELECTRIC WINDOWS, ELECTRIC SIDE MIRRORS, TWO TONED LEATHER SEATS, CRUISE CONTROL, SUV, TOW-BAR, ON-STEERING CONTROLS, RADIO/CD, ON-BOARD COMPUTER, TYRE
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Country Walking Socks Mid x 2 Pairs NH100
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Reinforced elasticated edges for a better hold and fit.
Very high Brazilian-style cut on the buttocks.
Polymer-based composition, making them quick to dry
A little small and brief for me. Was returned which was easy
Una braguita bikini muy cómoda porque queda pegada al cuerpo y no se desplaza aunque practiques deporte, puedes moverte con libertad, y además al ser corte brasileña realza el trasero y queda menos marca de sol, ha sido un gran descubrimiento y compré dos.
Muy cómoda, la recomiendo.
Es un diseño muy bonito. Da poca talla. Es brasileña, no tanga y la verdad que favorece bastante y es de buena calidad
He visto que ya no está en el catálogo de modelos de braguitas de bikini, y van genial, todas las demás me parecen demasiado grandes. Tengo 2 de éstas de hace tiempo para surfear y van genial, fui a buscar más pero ya no hay...
cumple los objetivos con los que lo compré
Posibilidad de combinar
Super comodas
La braga es un poco tanga pero a mi hija le encanta .. Ami no tanto
Ideal para hacer deporte y precioso
Ideal para hacer deporte y precioso
cómoda y bonita. talla pequeña
Dejan un poco de marca en la talla q normalmente uso al cabo de llevarlas unas horas pero supongo daran de si
Corte bonito y cómodo para nadar o practicar deporte.
You surf intensively, it is your favorite sport. During your sessions, you paddle out to the line up, duck dive under the breaking waves if you are on a shortboard, or turtle roll if you are on a longboard. You show commitment in powerful waves of more than one meter. Your swimsuit must stay in place for each of your movements, whatever the strength of the wave. We have designed a range for you that is suited to your intensive practice and your body shape.
Directly from our Brazilian collection, SANA briefs are ultra-high cut, but offer a good fit during use. Their cut visually elongates the legs by revealing more of the buttocks. They are ideal for women who are at one with their body and who understand that – contrary to expectations – covering the buttocks does not enhance the silhouette, but rather the opposite!
To ensure a perfect fit in the water, it is important to choose the right size while you are dry because once they are in the water, swimsuits become looser. We therefore recommend you buy the correct size. The swimsuit needs to fit snugly against your body in the fitting room, you should feel supported. The spandex contained in certain components used in the design of our swimsuits softens and relaxes in the water.
This product has been tested in use in Hendaye and has been subjected to numerous laboratory tests to guarantee the quality of use for which it was designed: tests on the elasticity and stability of the fabric, color fastness during rubbing, washing, exposure to sea water, chlorinated water and light, and overall performance of the product after several washes.
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Hi. my name is Robert I'm 48yo, in drug and disease free, open minded, with a good personality and sense of humor, looking for friends, friends with benefits, flirting, fun chat, hool up, or even.
love this toned stomach
Anyway, if anything nefarious happens, youngtsers these days are pretty bad at keeping their traps shut about it. Social Media has put the kibosh on that. If she cheated on you while she was gone, you'll eventually find out. Just watch her actions when she returns and keep your mouth shut and observe the actions. If she acts weird when she returns then you may have something to worry about. But you can't possibly know until she returns or one of her friends lets the proverbial cat out of the bag. Which I might add, will probably happen if something did occur.
People who know nothing about counseling believe this crap and they end up seeing their clients divorce, because they don't know how to help them actually process the infidelity.
Originally Posted by CLC2008
This is really just a plain and simple scenario.
Also, I agree with crazygurl. He sounds pretty low. Is that what he does when his friend turns his back?
I dare anyone to try and find a better handbra photo than this. I still can't quite figure out how theres no nipple showing on her left boob!
There is however a problem- as much as he cares and loves me, he doesn't really understand me as a person. Verbal communication is difficult between us unless it is about surface stuff like TV shows. The way we think is different; I'm quite deep and he not so much. He never talks about deep stuff and when I do he gets a bit uncomfortable and stays silent, then changes the topic when I stop speaking. For example, the other day I told him that my sister and I are not close. Rather than ask why or even hear me out about it, he just said "oh" and then changed the topic. Last week I was feeling really upset by something that someone had said to me, and even then he wasn't really listening and didn't comment, instead he just said "you look cute today" and got out his camera phone and flicked a pic of me when I was on the verge of crying!
Perfect! 10!
And i get what you mean. I had that happen in the past too, that a male friend started to hit on me once i was single. It was such a disappointment and kinda ruined the friendship for me.
Anyone else suffer with similar?
In my opinion, you do remember starting to drink but you are so into your roots that you have selected your memory based on what happened.
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Kayla Black Espadrille
Kayla Black Espadrille
This item is no longer available
- Tracked delivery to home or work, direct from the designer
- All customs fees, duties and taxes are included
- See Delivery page for full details, conditions apply
- Free delivery to our stores in London or New York
- Free returns within 14 days, collection arranged by us.
- Extended Christmas returns until 7 Jan
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- Price match guarantee
- If you find an item cheaper elsewhere we will match the price
- See FAQs or Contact Us for full details, conditions apply
- Wolf & Badger acts as agent to the brand only - you, the customer, are purchasing any item directly from the brand
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Meet The Designer
An American Luxury Goods Company. We specialize in footwear, leather goods, sportswear, accessories and luggage. We use the finest materials to create an easy elegance. We employ the best European and American artisans to help master the best luxury items that can be found anywhere in the world.
"we don't design disposable objects... we design items that last a lifetime"


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- Solliciteren
- Opslaan
Bullet points
Fantastic organisation!
Great team!
Over onze klant
Our client GS1 offers (international) standards for unique identification and for recording and sharing data. GS1 does this with barcodes, central article databases and electronic communication. They work with around 70 colleagues in a broad and international field. As a not-for-profit organization, they have been bringing their customers (retailers, suppliers and logistics service providers) together for more than 40 years to make sector-wide agreements on identifying, recording and sharing information. This allows their customers to work more efficiently and in this way they can best serve their customers. We believe that collaboration in the chain is a key to improving efficiency and effectiveness. For more about us, visit their website.
All employees experience a great deal of freedom in the fulfillment of their role and there is ample opportunity for growth and personal development, among other things through ample opportunities for training and education. An informal working atmosphere in which teams collaborate a lot with each other creates positive challenges. In addition, there are excellent secondary employment conditions.
Taken en verantwoordelijkheden
* Develop business case and obtain commitment. You create business cases for new projects based on customer needs.
* Set up project plan. You prepare a project approach and plan for new (sub) projects. You regularly coordinate this with your client.
* Coordinate the (sub) project team. You coordinate all project stakeholders of your project, escalate if necessary and report on progress and milestones.
* Implement solution. You implement the final project result in close consultation with colleagues from (key) account manager in the sector.
* Following market developments. Thanks to your extensive network you obtain relevant customer information and you follow market, sector product developments closely. You take this information with you in your projects and share it with internal and external stakeholders.
* Minimum 3 to 5 years of experience in leading IT / software development related projects within a business and professional environment
* Completed higher professional education, for example information engineering, technical business administration, business administration informatics
* Experience with project management methods such as Prince2 and Agile / Scrum is an advantage
* Experience with testing (TMAP) is an advantage
* Organized, result-oriented and clear communicator, fluency in the Dutch language is a MUST
* Proactive
* Good networker and relationship builder
If you start working as a Projectleider with us, you will end up in a pleasant, informal working environment with a great deal of attention for training and development. You can properly train and develop your project leader skills. The vacancy of Project Officer is a position for at least 32 hours a week at the Amstelveen location.


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I know this goes against the holy grail of many of America's business schools – but scrap the business- plan competition. And yes, I teach entrepreneurship. But I still believe that business-plan competitions, NOT business plans, do more harm than good.
Business plans are not a predictor of success. If they were, investors in startups would do very well. But most of them do not. VCs normally wait for Aha. 98 percent of VC investment is after Aha. They wisely (some would say arrogantly) claim that they leave the early-stage funding to "friends, family, and fools." It is easier to predict the future after the business has a track record. So what are business-plan competitions evaluating? English proficiency?
The list of entrepreneurs who changed their business plan and soared to success is long.
At the head of the line is an entrepreneur from Seattle called William Gates. Gates dropped out of Harvard to start a software firm at the start of the PC gold rush. When he found that
Another high-performance entrepreneur who changed his business plan and succeeded is Richard Schulze. Schulze started with small stores called Sound of Music (and I bought my first stereo from his store in Minneapolis). But when the big-store juggernaut hit, he was the second to enter this hot area. And then he became the dominant force in consumer electronics.
Horst built Aveda into one of the largest beauty companies in the U.S. He started as a hair dresser, and opened two stores. But he changed his business plan. When I asked him why, he noted that he was a good trainer of hair dressers. So instead of training their own, his competitors stole his trained employees. Horst changed his business plan and started a beauty school. That change was the start of the Aveda growth story.
Jill Blashack Strahan has built Tastefully Simple into a giant food marketing company. That was her third business. The first was a gift store and the second a gift-basket business. Neither of them had the potential to reach her hopes. So she changed her business plan to sell gifts using the party plan, and soared.
So scrap business-plan competitions. They send the wrong message.
Many entrepreneurs think a business plan is sacred and cannot be changed. They don't realize that the whole point of the business plan is to change – when reality differs from hopes. As a wise military saying goes, "when a map differs from the terrain, go with the terrain."
Entrepreneurs spend a lot of money hiring consultants who claim to have the magic formula to put success on paper – and more importantly to help them get money. But financiers are not fools -- especially if they want to stay financiers. Venture capitalists wait for success, and lenders bank on collateral.
No one can read your business plan, or look into your eyes, and predict success. Approximately 12 VCs are said to have looked into Steve Jobs' eyes and read his plan. They did not fund him because they could not predict success from his eyes or the plan. And they missed the greatest entrepreneur of the last 50 years. Ditto Google.
A lot of time and money is wasted on business-plan competitions. Business-plan competitions tell our impressionable young that someone else can read their plan and tell them whether or not they will succeed. I have not found a single person who can do this accurately all the time.
So why do academic institutions promote business-plan competitions?
The following seem to be some of the reasons:
MY TAKE: It is time we told our young that we cannot predict their future and especially from a few words they put on paper, or from looking into their eyes, or listening to them tell us how passionate they are about their plan. What they do and achieve counts more. Their plan is only a guide to know when they take the wrong turn, or when they should take a different turn. So where did we go wrong? How did business-plan competitions become so entrenched in academic circles that the normally skeptical academics don't question this travesty foisted on our young.
I teach entrepreneurship, unicorn-entrepreneurship (www.business.fiu.edu/unicorns) and venture financing for take-off without venture capital, and how to get VC ...


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Trending news across China
Two people were killed and 19 injured in a gas explosion Wednesday morning at a bakery in downtown Beijing. (www.chinanews.com)
The longer the smell of hot pot lingers on your clothes, the more additives have been allegedly used in the broth, according to a post buzzing online. "If the strong flavor lasts hours, basically it means additives have been used although it could be misleading to link the amount of additive to how long the smell lasts," said Liu Wenzong, a food safety expert of Southwest University. (www.people.com.cn)
Chinese actress Ma Su confirmed she has broken up with Kong Linghui, head coach of Chinese women's national table tennis team on Tuesday, one day after she denounced rumors that she ditched the 11-year relationship with Kong after claims of a fling with a younger actor. The topic was rising on Sina Weibo, with more than 200,000 related posts.
The chief of a police station paid the price for bluffing about his extravagant lifestyle of several properties, gambling and successful business. Chief Qin Degang from Shehong county in Sichuan province was deposed after his remarks on tape went viral. (www.qq.com)
Kai-Fu Lee, an IT venture capitalist, posted pictures of subways in different cities on Tencent's blog site, saying the passenger flow in Beijing's subway redefined the word crowded.
More young men are having facial plastic surgery in Wuhan, Hebei province, said Wu Zhongxing, a surgeon of Wuhan University-affiliated hospital of stomatology. One male patient said he hoped his new face would boost his chances of getting a job in a big company. (http://hb.sina.com.cn)
Wang Lin, a master of qigong, a martial arts practice with Taoist philosophy, was in the spotlight as a photo was posted of him with Chinese A-list actress Li Bingbing, with him claiming to be her godfather. (http://ent.163.com)
All 73 hospitals in Zhangzhou, Fujian province, were found to be involved in a corruption scandal. The price of an injection was inflated to 11.5 yuan, 10 times more than its cost. Money generated from the price gap largely went to supervision officials and hospital staff. (CCTV)
Pictures showing three nuns dancing with people at a park became popular online. One of the nuns videotaped the lead dancer's moves on her iPad for further practice. The story made Baidu's hot news list.
- Eateries reassure customers after inspections
- Agency ensuring natural gas supply
- Pudong sets the pace for high-tech growth
- Cybersecurity threat could cause damage 'beyond imagination'
- Worldwide manhunt nets 50th fugitive
Registration Number: 130349


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Pregnant woman model I have help with laundry and had new items ruined also. Your pants were cotton knit though. What about clothing made from cotton that is not stretchy? I have a few nice white blouses that shrunk.
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Three more suspects have been arrested in the Boston marathon bombings investigation.
Police said only the three more are in custody and more details will follow. They referred all other questions to the FBI.
Three people were killed and more than 260 injured on April 15 when two bombs exploded near the finish line.
Suspect Tamerlan Tsarnaev died after a gunfight with police several days later. His brother, Dzhokhar Tsarnaev, was captured and lies in a hospital prison.
Both are Russian natives who lived for several years in the US.


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One way to stand out from the competition with a drop shipping business is to private label your products. This simply means you put your own label/brand on the products that the manufacturer is creating. That way you're not selling the same product brand and just competing on price; rather you can use your own brand and face less competition. Think about when you're looking at medicine at the pharmacy; the brand names sell for higher prices and people think they are different from the generic brands even though the ingredients are exactly the same.
According to the National Retail Federation (NRF), it's been estimated that retail business will stay on par with a 3.7 percent to 4.2 percent growth rate. However, the NRF expects non-store sales to be anywhere from three to four times that rate of growth. However, even though brick-and-mortar sales still comprise the majority of consumer's spending, it's only expected to grow at roughly 2.8%. Clearly, what's driving much of our present ecommerce growth is the smartphone market.
My 8 yr old daughter was diagnosed with Apraxia of speech, Regulation Disorder of Sensory Processing, ADHD and possible Autism. I want to open a small local shop that offers the tools needed to help children like her or even children with learning disabilities. It would sell weighted blankets, learning games and activities and so on. Some would be made by hand, others bought and sold in shop. Is this do able? There are no shops around it's all online. Thoughts please.
Any moron can open a graphics program and push some pixels around, but that doesn't make them a designer. The tool does not come with the knowledge. The fundamental skills that are required to do a good job take years to hone. This isn't something you start and are good at over night. And if it takes years of work to get good at, and hours or days of work to arrive at a good product you should not be selling it for $5.
The vacation rental business is booming. While the mere mention of it might make you think about billion-dollar titans like AirBnB or HomeAway, there are niche businesses like Michael Joseph's InvitedHome and Joe Poulin's Luxury Retreats and many others being carved out across a variety of markets. When it comes to vacation rental homes and vacation rental management, companies are earning anywhere between 10 percent and 40 percent on the gross rental rate depending on the location and the management level.
If you have the expertise or a passion or interest for a subject, you're ready to start making money with a blog. With a service like Blogger (www.blogger.com), you can start up your blog totally free. You can also create your own site and secure your own hosting for a low price, which is generally the route I recommend, as many free blogging sites have restrictions on what you can say or do, including making money or advertising.
Become an Amazon Associate and then use Keyword planner to find an in-demand niche: With more than a million different products to choose from and up to 10% commission the sales you drive, Amazon's affiliate program is a great place to get started. Browse their available products and see what connects with you. Or take it a step further and use Google's Keyword Planner to quickly check how many people are searching for a specific term. With affiliate marketing, the more relevant traffic you can pull in, the more you'll make off your site.
You can absolutely use websites like eBay and Etsy! Try listing some items and making a professional Facebook page for yourself with a link to your eBay/Etsy pages. Then share the information with friends and family and get them to spread the word to people they know. Also, make sure that you have detailed descriptions and multiple pictures with anything you list online. This will help your listing show up in keyword searches, and you are more likely to sell something if the buyer knows a lot about what they are looking at.
Virtually every small business needs help running their day-to-day administrative tasks, but they may not particularly want to pay a full-time in-house employee to do it. Virtual assistants perform a variety of tasks that a traditional assistant or secretary would normally do, including making travel arrangements, paying bills, or managing expense reimbursements.
Be professional. When you submit a résumé, don't type it in ALL CAPS and please don't avoid the caps lock like the plague. Know how to use it without looking incompetent. Write in complete sentences with proper grammar. Of course, there will be exceptions, but even with the exceptions, you must keep it professional. You're building their view of you.
More and more companies and startups especially are embracing remote work—where you use online collaboration and communication tools to do your work from wherever you want. And you don't have to be a 20-something hotshot designer or coder to reap the benefits of working remotely. Many remote positions are for customer support positions or other customer-facing positions that don't require specialized skill sets.
The music industry might not be as strong as it was in the 80s, but there are still plenty of ways to make money online as a musician. Sites like SoundBetter let you sell your services as a songwriter, producer, or session musician to thousands of customers a month. While Musicbed, Music Vine, Marmoset, and SongFreedom are perfect for licensing your music to TV shows, movies, and web series.
To get your e-commerce business up and running, all you need is a web hosting service with an integrated shopping cart feature or e-commerce software. To simplify the shipping process, you can work with vendors to ship products to customers on your behalf. This can reduce the amount of inventory you need to keep onsite. [Related: A Small Business Guide to E-Commerce Shipping]
When you're ready to share your business plan with investors, don't just automatically send them the entire plan. You should send an inquiry and set up a meeting to discuss at length about a possible partnership. You may also consider bringing a non-disclosure agreement for the investor to sign, which will protect you against someone trying to steal or repurpose your ideas for their own use.[12]
Find an audience for your passion or hobby and you're all set to make money online doing something you love via a niche website. That of course, is easier said than done. Creating a profitable niche website takes time and is not intended for the faint of heart. But, if you can hurdle the steep challenges and positively answer a few key questions on whether the website business idea you're thinking about is profitable, then you can begin building it and eventually monetize through advertising, affiliates, or other relevant products.
So, where are we supposed to turn to make money the legitimate way online? This isn't just about generating passive income; this is also about finding ways and means to create an active income through the conveniences afforded to us by the internet that will not only help us with our debt obligations, but also empower us to save, invest and get really rich in the future.


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Reiki Training Courses
learn a new skill and transform your wellbeing
Registered Reiki Master Teacher
Member No. 1109507.
The idea of learning something new can be a little daunting - that's why I prefer to teach either one-to-one or one-to-two (why not train with a friend?). That way, you get all your questions answered and receive real, individual attention and guidance. It also means you can train in one day, rather than over several sessions - on a date that suits you.
Reiki training courses take place throughout the year at my home practice in Mulbarton, 15 minutes from Norwich city centre. It's all very relaxed and informal - and there are no exams! Refreshments and training materials are provided and all Reiki courses are fully certified.
Get in touch to arrange a training day or to ask any questions.
Reiki First Degree - Beginner Level - £139
Course Aim:
To be able to practice Reiki Healing on yourself, your friends and family.
Prior Qualifications needed:
Course Overview:
Reiki First Degree - Beginner Level takes place over one day.
You will be given an introduction to the history of Reiki Healing and taught how to practice Reiki on yourself and others. A Training Manual is provided, which we will work through together through the day. You will receive four attunements and have opportunities to both give and receive Reiki Healing.
By the end of the day, you will feel confident to practice Reiki self-healing and Reiki healing on friends and family. Welcome to the first step on your journey!
Reiki Second Degree - Practitioner Level - £189
Course Aim:
Qualify as a Reiki Practitioner and be able to offer Reiki healing professionally.
Prior Qualifications needed:
You must have received training and been attuned to Reiki First Degree, either by myself or another Usui-lineage Teacher.
Course Overview:
Reiki Second Degree - Practitioner Level takes place over one day.
You will deepen your knowledge and understanding of Reiki healing. There is one further attunement and once again, a Training Manual is provided. You'll expand on your ability and range of skills, learning to offer Reiki healing on a spiritual, mental/emotional and physical level through the use of Reiki symbols.
You will learn about the practical and legal requirements of being a Reiki Practitioner and receive the necessary certification to practice professionally.
Reiki Third Degree - Master Teacher Level - £249
Course Aim:
Qualify as a Reiki Master Teacher and be able to teach others Reiki Healing and Training up to Master Teacher Level.
Prior Qualifications Needed:
You must have received training and been given attunement to Reiki Second Degree, either by myself or another Usui-lineage Teacher. Ideally, you should have been in practice for at least one year.
Course Overview:
In Reiki Level Three - Master Teacher Level, you will be taught the Master symbol, enabling you to complete your training - and truly deepen your Reiki learning journey - a lifetime practice! There is one final attunement and you will learn how to teach and to attune others.
You will be given permanent access to all the Reiki teaching materials and taught how to structure and set up your own Reiki courses.


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My Personal Nutrition
What should I eat? How much should I eat? When should I eat? What if I don't have time to cook? How can I afford to eat healthy? How much body fat do I have? If any of these questions sound familiar to you, then your nutritionists at Personal 1 Fitness can help...
We do everything from in-depth measurements and calculations to recipes and meal plans. Our program gives you the tools to access specialized recipes for you and your family, and you can also read up on helpful tips to help you lose those stubborn pounds.
We also have a site that allows you to keep an online food journal with insightful charts for your nutritionist to evaluate, and this site also gives you individualized meal plans designed specifically for you.
Our experienced and certified nutritionists will consult with you, motivate you, and help keep you on track to reaching your goals will no longer be on your wish list.
Come in and visit us today!
Frequently Asked Questions
What will My Personal Nutrition do for me?
Working with a Nutritionist that designs a program specific to your goals whether it be losing weight, putting on muscle mass, or just helping you feel fitter and stronger. Let our nutrition experts take you thru a fun and exciting personal change!
How long is a My personal Nutrition session?
Since all programs are customized to your needs it depends on how fast you want to reach your goals. Most nutrition consultations sessions last either half an hour or a full hour depending on how in-depth your desired goals.
How much does it cost?
Our Nutrition consultations vary in price as we can be purchased in either individual sessions or bought in bundles. Depending on the number of appointments you purchase will determine the cost of each individual class. The best part is the FIRST class is FREE to try.
What ages is this program appropriate for?
We recommend all ages whether you are young or old "Age is Not an Excuse!" If you are a parent or guardian purchasing this for your child, do not worry as we are experts in developing not lonely young athletes however also developing and instilling confidence. This program is great for parents to do with their children!


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Buses from Luton to London
If the offers provided by buses do not suit your needs, trains and carpooling could represent a good alternative for this distance.
Travelling by bus to London from Luton: how many daily connections are there?
If you want to travel from Luton to London by bus, there are 375 available connections per day. Please notice that all of these connections, that is to say 375 routes, are direct lines. There is no connection with a change. Consequently, you will never have to change buses.
When are the buses of the line Luton - London scheduled?
While the first bus leaves at 00:12, the last one leaves Luton at 21:02. The duration of the journey is on average 18 minutes, but it can take you only 20 minutes with the fastest connections.
Which companies can you travel with from Luton to London?
You can travel by bus from Luton to London with National Express and Arriva UK Bus (Luton A).


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Organic Frostings (13)
1 . Are the frostings kosher?
Yes, Wholesome! Organic Frostings are kosher certified.
2 . Are the frostings Gluten Free?
Yes, Wholesome! Organic Frostings are Gluten Free.
3 . What is the shelf life of Organic Frosting?
Before opening – 12 months from its production date. After opening – The product should last about 7 days after opening if properly sealed and stored in the refrigerator. As with all opened food containers, the shelf life will vary based on the temperature of one's refrigerator, how[...]
4 . Does Wholesome! Organic Frosting need to be refrigerated after opening?
Yes, Wholesome! Organic Frosting needs to be refrigerated after opening.
5 . Are the organic frostings Non GMO?
Yes, our Organic Frostings are Non GMO Project verified.
6 . Are the Frostings Fair Trade Certified? Which ingredients?
Yes, each of the Wholesome! Organic Frostings is Fair Trade Certified by Fair Trade USA. The organic sugar in each frosting is Fair Trade and the organic cocoa powder in the chocolate frosting is Fair Trade.
7 . Are the frostings suitable for Vegans?
Yes, Wholesome! Organic Frostings are Vegan.
8 . Where is the Organic Frosting made?
The frosting is produced in the USA, and the Fair Trade Organic Sugar is from Paraguay.
9 . What are the usage instructions for Organic Frosting?
Store in an ambient, dry place, never above 80°F or the frosting can separate. Slight oil separation is normal. Stir well before using. Please note that all frostings are temperature sensitive. If they get too cold, they are harder to stir and spread. Bring to an ambient room[...]
10 . How much Frosting is in each jar?
Each jar contains 13oz of organic frosting. This is enough to lightly frost a 2 layer 8" round cake or up to 24 cupcakes.


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Узнать больше о подписке Scribd
Откройте для себя все, что может предложить Scribd, включая книги и аудиокниги от крупных издательств.
This Launch Guide is your map to achieving Elite, the foundation of all ranks in dōTERRA ® . Your success is up to you. Trust the process to experience success!
• Share with 45+ • Enroll 15+ • Launch 1-3 Builders
• Change Lives • Grow Personally • Create Residual Income
• Enroll 15+ (pg. 11) • Do Lifestyle Overviews (pg. 12)
• Member Follow-up (pg. 13) • Find Your Builders (pg. 15)
Live, Share,
Build Guides
Launch Guide
* Numbers displayed are 2016 annual averages. Personal earnings may be less. See 2016 Opportunity and Earnings Disclosure at doterra.com/ourAdvocates/Flyers.
Your belief that dōTERRA's products and financial opportunity can change lives–including your own–is the single greatest source of fuel to launch your business. The higher your level of belief, the easier it is to share what you love.
Set your LRP template to 100 PV+ to receive commissions.
Implement the Daily Wellness Plan you created in the Live guide on page 16.
Learn more by regularly using an oil reference guide and participating in continuing education.
Share your passion for living the dōTERRA ® wellness lifestyle and inspire those around you to be open to learning how to do the same.
Utilize the Share guide to help you share and invite successfully.
Start connecting with your prospects and building your pipeline. Visit doterra.com > Empowered Success for tools and videos.
Connect to your upline team support:
Key Support: ______________________
Email: ____________________________
Phone: ___________________________
Team Call/Website/Facebook Group(s):
dōTERRA is a powerful vehicle to get you from where you are to where you want to be. Expand the pathway goal you set in the Build guide below:
As you set business goals and engage in committed actions, you connect your efforts to your vision for a better future. This conscious connection repeatedly fuels you even when you're outside of your comfort zone.
A dōTERRA ® Wellness Advocate shares a new kind of health care. We teach "with a book and a box" (oil reference guide and box of dōTERRA CPTG ® essential oils), you are prepared to address about 80% of your health priorities at home. For the other times we invite you to partner with healthcare practitioners who support your commitment to using natural solutions.
By choosing to be the solutions provider in your own home, your experiences create enthusiasm to share with others. During every interaction with prospective members, paint a picture of self-directed wellness.
The dōTERRA Empowered Success program enables you to empower others to change their lives.
Commit to and schedule your PIPES activities. This guide provides you with details on how to effectively engage in the essentials of launching your business.
Launch Month: 15 enrollments x 200 PV avg. enrollment = 3,000 OV Elite.
1 pm 1:1 w/Marcia
7 pm oil class
The more people who experience your message, the more people enroll, and the more lives you change, including your own. Start sharing with your own warm market (trusted/established relationships). As they fall in love with dōTERRA, they become an ongoing source of contacts.
1. Schedule 3 classes or 15 one-on-ones (or combination)
2. Set time to invest in your business
3. Ask yourself and schedule: • Who needs a Natural Solutions intro to oils? • Who needs a follow-up to enroll? • Who needs a Lifestyle Overview? • Who needs a Business Overview? • Who is ready to host a class?
Refine your Names List (from Build and Share guides) and track your PIPES activities with your top 45 prospects. Search your phone contacts and social media friends for ideas of who values health, purpose, and freedom. As new people come to mind and into your life, add them to your list to keep up the flow. Identify prospective builders who stand out as those with higher capacity for success (see page 15).
Goal: 45+ 30+ 15+ 15+ 3+
dōTERRA ® is a relationship business. Anchor your attitude in the belief that caring is the most important gift you give everyone you connect with. Whether with an existing relationship or someone new, build trust in every interaction. Seek to change lives by sharing what you love, no matter where you are or who you are with.
CONNECT WITH PEOPLE AUTHENTICALLY AND SINCERELY Refer to people by name. Ask questions and listen to discover their interests and needs. Be authentic and build relationships of trust. Uniquely connect with new friends and those you already know. Someone You Already Know: "
How are you? How is your family? OR Catch me up. What's going on in your life? I saw your post about your child not feeling well. How are you both holding up? (Customize for existing contacts)
Someone New:
People love talking about themselves. Ask questions about areas of their life that you think they will be excited to talk about. Find common ground and be relatable when you meet someone new.
CONNECT THOSE PEOPLE TO YOUR SOLUTIONS Share a solution by looking for ways to add value and naturally match your solutions of product or business to their needs. Someone You Already Know: " "
You know how it seems like so many people are into natural wellness these days? It seems more and more important to eat better, exercise more, get quality sleep, and get rid of toxic products around the house. Is that pretty much how you are as well? What kinds of things are you doing with your family? What do you know about essential oils?
Seriously, essential oils are rocking my world, I can't keep this to myself! You've got to check this out. Have you ever
tried any? This is what someone did for us. We would love to give you a little something to try for a health priority you
want to target. Then we just check back with you in a couple days to see how it's working."
Get to know someone new. Ask questions about their work so you can customize your response and be relatable.
Whatever they say, see it as someone you can or already have worked with. "I work with moms and teach them how to take care of their family naturally using essential oils and other products." OR "I work with chiropractors and teach them to create an additional stream of income in their office by sharing with their clients how to live a wellness lifestyle with essential
oils." IF you need to go first, "It's actually pretty amazing. I love what I do…
What do you do?"
You don't need to be an expert to successfully invite people to become their own solutions provider. Discover what's most important to each person by taking a genuine interest in who they are, what they are experiencing, and how you can serve them.
The next step for your prospects, after being invited to learn more, is to experience the message about dōTERRA's life-changing products and income-producing opportunity.
Class, One-On-One, or 3-Way Call Webinar, Video, or Social Media
In Your Home or at a Friend's Juice or Coffee Shop Chiropractic or Professional Office
Grow your network by inviting attendees to host a class of their own. Bring a few affordable gifts (e.g. a keychain) as booking incentives.
Likely you've thought of people you know who would benefit from this same experience. If you'd like to host your own gathering, see one of us after. And if you book tonight, you take home this keychain! (show keychain)
Enrolling is the climax of the presentation, when attendees choose to change their life! During the class, find out why the class members are there and be prepared to offer solutions that meet their needs. Guide new enrollees on choosing the membership and kit that is best for them.
At the beginning, I promised to show you how to get these oils into your home. Let's go over your options. Tell them about
membership options.
Option One
Now I am going to show you the two most popular kits to get you started. This is the Home Essentials Kit, which comes with the top 10 oils, many of which we just talked about. It also includes a lovely diffuser for only $275. The big favorite however, is the Natural Solutions Kit. It literally comes with everything you see in the bathroom cabinet (turn back the page and point). It is truly a lifestyle kit, covering all three basic areas of interest; being prepared, self-care, and daily health habits. It comes with our finest diffuser, a box to store your oils in, and after
placing your first Loyalty Rewards order, you automatically have 100 free points to use on some new favorite products to try. And bonus! You fast track yourself to the 15 percent level for your Loyalty Rewards Points. You can see why this is our favorite kit!
Option Two
Now I am going to show you two of our most popular kits to get you started. This is the Family Essentials Kit. More of a sample or travel size kit with 85 drops per bottle and its $150. The Home Essentials Kit has the same oils but with 250 drops per bottle and a diffuser for only $275. Triple the amount of oils for less than twice the money. Both kits come with Frankincense, which retails for $92 a bottle.
• Mention any enrollment special and how to qualify to receive it. Be clear and concise. • Let them know they can add single items for specific priorities. Have a reference guide available for them to look things up. • Remind them they can earn a free gift for enrolling today.
Choose the kit that's best for you and your family.
• Invite them to turn to the enrollment forms, explain Wholesale Customer vs. Wellness Advocate, instruct on how to fill theirs out.
Enjoy the essential oil-infused refreshments. If you have any questions,
(host) and I can help answer them now.
• Encourage prospects to purchase a kit so they have multiple products on hand, not just one or two things.
• Share what you love about the kit you feel is best for them.
• Connect everything back to their health priorities and how the kits are designed to provide specific support.
• The confused mind says no. Avoid showing an excess number of items. Show a few, offer a special, and keep it simple.
• Enroll most everyone as a Wholesale Customer. Enroll those who want to share or build as a Wellness Advocate.
• Not sure what kit to order: "What are you working on?" Look over their health priorities; invite them to find solutions in a reference
guide. "What kit would best meet your needs?" Offer your suggestions. "If I were you, I would ..."
• Not sure which membership: "What factors are you considering?" Listen and address their desires or concerns. Offer suggestions.
• Financial concerns: "Would you like to host a class so you can earn the money to get the kit you really want?"
• Not sure where to start: "Would it serve you best to choose a couple oils to address a health priority and then, with experience, you can
better choose your kit in a week?"
Seek to serve the needs of your enrollees and earn the right to keep them as customers going forward. New members enroll first with a kit and second in the Loyalty Rewards Program (LRP). This second enrollment is what builds your financial pipeline.
Help EVERY new member:
• Use the products they have
• Set up a Daily Wellness Plan
• Maximize their membership through LRP
• Connect to resources
• Invite to change lives
Schedule Lifestyle Overview shortly after their kit is expected to arrive
Recommend watching the Live guide video at dōTERRA.com > Empowered Success
Introduce dōTERRA Lifestyle & Wellness Pyramid
Have them rate themselves (pg. 3)
Expose them to the dōTERRA lifestyle (pg. 4-12)
Invite them to create their wish list (pg. 13-15)
Wellness Consult
Complete the Wellness Consult (pg. 16)
Brainstorm their 90-day plan and next three loyalty orders
Teach them about LRP and help them set up their first order online
Connect to Education & Community
Recommend your favorite reference guide and app
Introduce tools to learn how products support their 90-day goals • Empowered Life Series (In-depth) • dōTERRA Daily Drop ® App (On-the-go) • Living magazine
Connect 2-3 times in their first month; continue to check-in periodically
New Member Follow-up
Invite to share or build dōTERRA
You have a 14-day window to discover the best placement of every new member you enroll. Your early engagement with your enrollees is critical to their long term success. Use the process below to guide your follow-up activities. To truly change lives, think of these first 14 days of their membership as your investment to ensure success for both of you—and all it takes is a little bit of your time. By modeling this support, your builders are much more inclined to do the same.
• Uses the products for their health • Enrolls as a Wholesale Customer
May or may not be on LRP
• Wants to share with others by
hosting a class or one-on-one(s)
• Enrolls as a Wholesale Customer or
Wellness Advocate (to enroll others
and receive commissions)
• Wants to create income • Enrolls as a Wellness Advocate • Commits to a 100 PV+ LRP order
monthly to receive commission • Tally to identify potential (pg. 15)
Successful placement of your enrollees is critical to your growth, rank advancement, and qualification for commission bonuses. Set clear expectations to safeguard relationships and ensure best placement. Some choose their path right away, others take time to choose to go beyond being a customer. Use their first 14 days to learn all you can and then make the best placement decisions.
All New Enrollees:
• Place each where they will best thrive and be supported. Choose
long-term vision and success over short-term needs.
• Sponsorship can be changed one time within their first 14 days.
• Consult with your upline mentor or dōTERRA's business line at
801-370-2140 for placement strategy support.
A Wholesale Customer:
• Can be moved within 14 days of enrollment if their placement is
better suited elsewhere.
• Can decide to upgrade themselves to a Wellness Advocate
(WA) in their back office.
• If they decide to upgrade to a WA after their first 14 days, their
sponsorship placement remains the same.
The pace of building team structure varies. Depending on when
your builders or business partners are enrolled and engage
determines the rate at which you launch each new leg. For
example, some start with one builder and grow from there while
others may start with three (e.g. perhaps they began with a larger
• If you want to change their placement (after their first 14 days),
their WA upgrade must occur 90 days after enrollment. You then
have 14 days to decide where to place them.
• Place customers on a team where they may have similar interests
with others they already know.
network or previously established relationships).
Level 1: Your Business Partners
Level 2: Builders & Sharers
Level 3+: Customers+
• The person who brought the enrollee to dōTERRA ® . (Whose
contact is it? Who invited them?)
• Receives Fast Start bonuses on their new enrollee's purchases
for their first 60 days after their enrollment.
• Works with sponsor (if different) to determine who does
Lifestyle Overview, follow-up, and other support.
• Enrollee counts for enroller's rank advancement (one per
physical leg).
• The enroller can change a new enrollee's sponsor once during
their first 14 days of enrollment via the back office.
Always keep enrollership of your enrollees until it makes sense to transfer to their sponsor or another builder for rank advancement.
• Person under whom the enrollee is directly placed (also
referred to as their direct upline).
• Benefits from Power of 3 and unilevel bonuses.
• Assists with the Lifestyle Overview and other follow-up needs
(depending on arrangements made).
To change sponsor in first 14 days: Back Office > Team > Sponsor Changes.
Identifying your business partners is vital to building a thriving business. Start
looking for builders among your existing customers and prospects. Many start
out as product users or sharing with just a few. Encourage product experiences,
do appropriate follow-up, and create vision for what's possible. With time,
builders emerge.
If you don't find builders right away, keep enrolling. Statistically, 1-2 of every 10
are interested in building a dōTERRA ® business sooner or later. Set a goal to find
Committed & Capable Builders
Committed = Completes 3 Steps in Build guide Capable = Enrolls someone on their own in first 14 days of committing to build
three builders during your first 30-90 days. When your team members enroll
People choose the dōTERRA Opportunity for different reasons.
Some come for the added income, others for the mission. During
the Business Overview, focus on what matters to them. Let the
pages of the Build guide invite the right conversations. Knowing
their desires helps you connect their goals to dōTERRA solutions.
Step 1: Present in one-on-one or group settings
Step 2: Invite your qualified prospects to become business partners
Step 3: Get new builders started with the 3 Steps (Build pg. 10)
Provide a Launch Overview for each of your new builders, sharing how this proven path sets them up
for long-term success. Invite them to prepare to invite prior to their launch month.
Weekly Success Check-ins ensure:
• Steps of success are measured
• They feel connected and supported
• You consistently know how to best support
As you continue to enroll, consider placing some of your enrollments under committed builders who
actively enroll and support their team. Ultimately, supporting them in reaching their goals helps you
reach yours.
All words with trademarks or registered trademark symbols are trademarks or registered trademarks of dōTERRA Holdings, LLC.