text:
Attracting customers
It's a popular myth that the festive break will leave your employees feeling rested and ready for the year ahead. In fact, statistics show that 60% of employees feel the want to leave their jobs at the start of January. So, what can team leaders do to make their employees employment all the more enticing and fathomable, even when all seems drab and uninspiring?
With the mad rush of the festive season over, there's not a minute to waste as business owners are straight back to it. The new year is a great time for business owners to really hit the ground running and implement some resolutions – whether that involves being more organised or learning from last year's mistakes!
Growing your business
As the year comes to a close, budding entrepreneurs and business owners alike should take time to reflect on the past year of business – to review their successes, failures and effectively plan for the year ahead.
2018, what a year it's been. And we couldn't be prouder to have spent it doing what we do best: funding more small businesses than ever before! Check out our infographic below for a full lookback on the growth of our customers, products and impact on the economy this year!
From record stores to restaurants, cinemas to gyms, there's an array of independent retailers in cities and towns across the UK. For those seeking one-of-a-kind cuisine and obscure music, these local businesses offer something different to the typical high street names.
Attracting customers
For many small businesses, putting on a Christmas event or party not only requires budget and resource but also a little imagination, especially when catering for a small number of employees. With this in mind we've put together a few tips to help your small business throw the perfect Christmas party this year!
Growing your business
Hospitality and technology are a dish best served together; albeit, within the right context of course. Whether in casual dining establishments such as a McDonalds or Burger King, or a high-end restaurant reserved for special occasions, technology is a near necessity in the modern world of business – a seventh sense that one cannot and should not fully ignore.
Did you know that every £1 of Liberis funding increases spending in the economy by over £1.50? And that we've grown the funding we provide by over 50% each year since 2014?
Attracting customers
It's that time of year again! When another 12 months of trade is coming to an end and business owners are starting to look to the year ahead. So what should be on their radar?
Another trophy for the cabinet! Liberis are delighted to announce that we have won Alternative Finance Provider of the Year at the 2018 British Small Business Awards; taking the lead against 9 other contenders in our category.
Attracting customers
With the UK's seasonal spending reaching up to £77.56 billion in 2016, the Christmas frenzy is a merchant's holy grail – and we hope your business is prepared to make the most of it. Whether it's in store décor or seasonal events, promotional activity or clever cash flow, the methods are myriad and the benefits plentiful . . . you just need to stay on top of things.
Growing your business
Here are just 10 of our favourite techniques that can support your mental wellbeing and help you feel a little happier and healthier at work each day.


text:
Glen Young
Vice President, Operations
Phone: 780-588-2618
Email: firstname.lastname@example.com
Glen moved to Fort McMurray from Calgary in the summer of '65 with his siblings and parents (who started the business). Glen has been involved in the family owned business for 45 years, looking after the maintenance department as well as helping oversee the operations of the entire company. Glen is fortunate to work beside his wife Marilyn, who is the VP of Finance. In his spare time, Glen enjoys the great outdoors, either snowmobiling, boating or quading. Fort McMurray has been very good to our family and that's why we say we are here to "solve problems – make friends".
Tim Young
Vice President, Sales and Fleet Operations
Phone: 780-588-2623
Email: firstname.lastname@example.com
Originally from Calgary, Alberta, Tim is one of the owners of Young Motors. He has been in the vehicle rental business for over 35 years, "As a family business it is our primary focus to look after our employees so they can provide exceptional service to our valued customers". Tim loves Fort McMurray and has called this city home for 50 years. His wife, Lesa, and their 2 children are very active in the community. It is important to Tim to give as much to Fort McMurray as it has given to us.
Marilyn Young
Vice President, Finance
Phone: 780-588-2615
Email: email@example.com
Marilyn was born in Edmonton and moved to Fort McMurray in 1967 with Mom, Dad and 9 siblings. After graduating from Peter Pond High School, she married Glen in 1975, which meant she was marrying into the Family Business – "Young Motors – Hertz Car & Truck Rentals". Marilyn worked full time, compressed work weeks for Canadian/Air Canada at the Fort McMurray Airport, and at the same time working at the Family Business in various capacities, eventually taking over the Accounting Department in 1984. Upon retiring from Air Canada in 2000 after 26 years, she was able to work full time beside Glen, Tim, Lesa and all the staff at Hertz Car & Truck Rentals. "Fort McMurray, our business and our fleet was growing, and with many long hours and sacrifices we built who, what, and where we are today! Fort McMurray is -The GREAT WHITE NORTH! It's a Place I call Home!"
Lesa Young
Vehicle Preparation Coordinator
Phone: 780-799-6035
Lesa moved to Fort McMurray from Virden, Manitoba in 1987, making a commitment to stay for 1 year! She worked in the dental field fulltime for 18 years before starting at Young Motors after Tim and her were married in 1991. In 2006 she came to work in the family business permanently and hasn't looked back since. She has totally embraced Fort McMurray and what it has to offer. Lesa is a strong believer that a community is what you "make of it". She has always been very involved with several community groups which she finds very rewarding. Lesa loves all the outdoor activities that are available to us such as golfing, baseball, boating, skiing, snowmobiling, curling, etc. Lesa and her family consider themselves very fortunate to live here.
Jeff MacDougall
General Manager
Phone: 780-588-2604
Email: firstname.lastname@example.com
Jeff has been with Young Motors since 2014 and has over 10 years of experience in the vehicle rental industry. He is originally from Dartmouth, Nova Scotia, and has a Bachelor of Commerce degree from McGill University. Jeff's favorite part about living in Fort McMurray is the Birchwood trails.
Michael Kelly
Business Development Manager
Phone: 780-588-2604
Email: email@example.com
Michael is originally from Grand Falls-Windsor Newfoundland but has lived and worked in Fort McMurray since 2002. Spending 11 years in the automotive industry and 5 years in an Account Management position gives Michael a unique knowledge for the position of Business Development Manager. Not only does he know our products extremely well, he has a great understanding of our clients' needs and how we can assist in their day to day operations. Whether it is fleet rentals or maintenance programs, Michael is here to assist in developing solutions that work best for our clients. Michael's favorite things about Fort McMurray are the beautiful summers and outdoor activities.
Sharon Cox
City Manager
Phone: 780-588-2603
Email: firstname.lastname@example.com
Sharon has been with Young Motors since 2007. She is an Operations Manager with over 30 years of experience with the Hertz brand, across 5 Canadian provinces. She is originally from Kensington, Prince Edward Island. Sharon's favorite part about living in Fort McMurray is the outdoor activities.
Gerald Novakowski
Service Manager
Phone: 780-588-2612
Email: email@example.com
Gerald has been with Young Motors since 2009 and has over 30 years of experience in the automotive maintenance field. He is originally from Vegreville, Alberta. Gerald's favorite parts about living in Fort McMurray are the great outdoors and the hard working people who live here.
Nicole MacMaster (currently on maternity leave)
Corporate Sales Manager
Phone: 780-588-2620
Email: email@example.com
Nicole has been with Young Motors since 2010 where she began at the front desk learning about our customers wants and needs for their rentals. She quickly moved into the Corporate Sales position and has since spent her time working and meeting with customers to discuss their rental needs and developing fleet maintenance plans that best suit their operations. Nicole is originally from Guysborough Nova Scotia and is a proud "Bluenoser" and St Francis Xavier University graduate. In her 5 years in Fort McMurray Nicole has most enjoyed her participation in extracurriculars such as the local Slowpitch league, The Oilsands Curling Club and getting involved in the community with her participation in Rotary, the Fort McMurray Youth Justice Committee and the Leadership Wood Buffalo program.

subset: commoncrawl


text:
jgabrieli necesitaba un nuevo diseño de logo y página web y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 56 diseños de 14 diseñadores freelance.
Events by GM
We are high end wedding DJ's that offer entertainment, hosting (emcee) and lighting packages.
I'd like to explore the following colors:
Let designers make suggestions:
Dark neutrals: Formality, mystery, exclusivity and luxury.
Reds: Energy, action, passion and love.
Check out our website at http://www.eventsbygm.com Please ignore all graphic elements- looking to completely redesign site. Like long scroll with elegant pictures- goal is to keep information concise but have many call to actions to schedule a meeting. All text/services is accurate as is. Looking to condense info.
Beautiful sophisticated wedding pictures on Landing page that looks cool and gets them the info they need but drives them to make an appointment
Home page- see above
About us- bios on the two DJ owners
Services-Listing of capabilities
Gallery- of pictures
Contact page-


text:
Meslek: Freelance Language Trainer
Öğretmenlik Deneyimi: Roughly since 2010 up until 2017, I've been teaching in-company, at school locations, in my own home and had experience with smaller children and tutoring teenagers.
İlgi Alanları: Singing, working out, health, good food and my family!
Eğitim: Bachelors of Science in Marketing - University of Phoenix
Associates Degree of Applied Science in Business Management and Administration
I've completed an intense TEFL training and I have always kept up with the latest trends in ESL as well as any topics which are relevant to my learners.
Konuştuğu Diller: İngilizce (Ana dil)


text:
Project Manager
- Contract
boston, Massachusetts
Our Boston based client in the healthcare space is looking for a top notch Project Manager for the next 3+ months. The Project Manager will be responsible for managing delivery of all project content needs from start to finish. The client is ideally looking for a Project Manager with 3+ years' experience who has handled everything from production to working with outside vendors to interacting with internal creative teams. Experience with a Project Management tool (Basecamp, Jira, etc...) is a must and the ideal candidate will have agency experience.
Job category:
- Sales & Marketing
Job keywords:
- Coordinator ,
- Advertising ,
- Marketing ,
- Pharmaceutical


text:
Fourth Judicial District Judge Kevin Burke loves golfing and "Perry Mason."Read More »
Breaking the Ice: Ex-boxer turned attorney left ring for courtroom
Attorney Mark Briol turned a youthful boxing defeat into a successful career as a commercial litigator at Minneapolis-based Briol & Benson.Read More »
Breaking the Ice: Attorney focuses on firm's management, nonprofits
Attorney Sarah Duniway is marking three years as co-managing partner at Gray Plant Mooty in Minneapolis, splitting time between firm management and her practice with nonprofit clients.Read More »
Breaking the Ice: Judgeship continues focus on criminal law, public service
Fourth Judicial District Judge Lisa Janzen likes dogs, traveling, kayaking and Louise Erdrich. She dislikes gossip.Read More »
Breaking the Ice: From park to statehouse to congressional bid
Sen. Carla Nelson got her political start door-knocking and sending fliers to ensure that a neighborhood park planned in Rochester came to fruition.Read More »
Breaking the Ice: Advocate seeks advancement for attorneys of color
Summra Mohammadee Shariff, the new president of Twin Cities Diversity in Practice, loves doughnuts and hates pot holes.Read More »
Breaking the Ice: Judge seeks to make difference, even without gavel
For 4th Judicial District Court Judge Thomas Conley, serving on the bench marks a return to his "public interest roots."Read More »
Breaking the Ice: Prosecutor pursues public safety, DWI changes
David Bernstein, an assistant Minneapolis city attorney, says people wrongly assume that lawyers "know about all areas of the law."Read More »
Breaking the Ice: Judgeship a 'natural progression' for Hermerding
Ninth Judicial District Judge David Hermerding calls his father twice a day during his commute.Read More »
Breaking the Ice: Family of lawyers influenced judge's path
But Judge Richard Kyle Jr. says he's more impressed with first-generation lawyers and judges.Read More »


text:
- Specials
- >
- Raw Honey 1 Quart (32oz)
Raw Honey 1 Quart (32oz)
per item
We are pleased to now offer our sweet and delicious raw honey from our farm!!
Beekeeping has been a new venture for the last couple of years, acknowledging that bees are an essential part of our ecosystem and environment, Farmer Paul dove into learning it and trying it out, with much success.
We practice the most natural and sustainable way of beekeeping so that we maintain healthy bees that provide delicious and nutritious honey for our family and our customers.
Try it out and enjoy!
*Limited supply.*
4 available


text:
Using Universal Capture
Configuring and Recording with Universal Capture: Personal
When you open the Universal Capture application you will be asked to login to the Echo360 portal, and once logged in the recording interface will open.
Before making your first recording you need to select which inputs you would like to have recorded. This is done using the drop down menus for Display 1, Display 2 and the microphone input (shown by the white arrows in diagram below).
Display 1 is usually set to be your computer desktop so everything shown on your screen will be recorded.
If you have more than one microphone connected to your computer you will need to select which one you would like to use.
Display 2 is usually a web cam input or second monitor input - this input can be set to None if you only want to record your desktop (Display 1).
Prior to starting your recording, you have the option to give your recording a title and select which folder (Module) the recording will be published to when you press the Stop button. If you do not select a title the recording will be published to your Echo360 personal library, this will give you the opportunity to edit it before publishing to a module/folder, which will make it available for viewing. To give the recording a title, you need to click on the pencil icon next to the word Untitled in the top left of the screen and this will open the Capture Details table (see below).
The two important fields are the 'Title' and 'Publish To...'. After giving your recording a title, you can use the drop down arrow in the 'Publish To' box to select which folder (Module) you would like the recording to be published to. If you do select a module the recording will be available for viewing as soon as it has been processed, However, if you wish to edit the recording before making it available leave the 'Publish To...' box set to Library.
To start your recording, click on the Record button (shown by red arrow in user interface picture above). After pressing the button you will have a 5 second countdown and then the recording will start and the user interface will shrink and appear on the tool bar at the bottom of the screen.
To pause, stop or delete the recording, click on the Echo360 icon on the tool bar to open the user interface. You will then see the recording control buttons (shown below), which are Stop, Pause and Delete.
To end the recording, click on the Stop button. This action will stop the recording and immediately upload it for processing in the Echo360 cloud.
- Introduction to managing course participants
- Make your course visible to students
- Check participants
- Enrolment methods and managing access permissions
- Roles and their functions in Moodle
- Switch to another role
- Create groups
- Create groupings
- Using activities with groups and groupings
- Activity completion
- Course completion
- Course participation
- Introduction to assessment and feedback
- Create and grade a submission using a rubric
- Use a marking workflow for assignments
- Allocate markers to specific submissions
- Create a fail / pass scale
- Provide grades and feedback for individual assignments
- Check the status of submissions
- Hide or show grades and feedback
- Create a custom certificate
- Create and manage badges


text:
Sort by
- Relevance
- |Time
Catholics.. is it true that 'John Paul II' was responsible for selling cyanide to the nazis to kill the jews?
... the stabilizer from IG Farben, the warning agent from Schering AG and the prussic acid from Dessauer Schlempe and ...
18 Answers · Society & Culture · 07/02/2008
There is a brand of asprain named after Joseph father of Jesus does that mean baby Jesus was a problem child?
...comfort and relief from aches and pains. Plough merged with Schering Corporation in 1971 to form Schering-Plough.
4 Answers · Society & Culture · 29/10/2007


text:
Meet Our Staff
David Sinkoe, LDO
David Sinkoe is Belvedere Eye Center's Licensed Dispensing Optician. American Board of Opticianry certified since 1979, he has been practicing for almost 37 years. David has been providing excellent eye care to our patients in our optical since the founding of Belvedere Eye Center. His knowledge on designing, making, fitting, and dispensing eyewear helps set us apart as we provide the highest quality frames and lenses to our patients.


text:
By Jack Barnes
GRAMMY-Award nominated rapper and singer iLoveMakonnen is taking over @TheGRAMMYs Instagram feed TODAY, live from the South By Southwest Music Festival. Be sure to check in with @TheGRAMMYs throughout the day to catch a glimpse into life behind the scenes with iLoveMakonnen. Enjoy this audio stream below after the jump.
ilovemakonnen's new single just premiered this morning on Beats 1 with Zane Lowe, listen below.


text:
Lesbian camping Trondheim
Please, leave your campsite clean! No pets are allowed. One service animal any guide dog, signal dog, or other animal individually trained to provide assistance to an individual with a disability per person is permitted on the land. The main field is open to general camping. Quiet hours are 1am to 8am.
|Relationship Status:
|I Look For Sex Tonight
|Blond naturally
|Relation Type:
|Mature Married Search Dating Single Moms
Views: 1050
There must be at least Trondheeim two 2 hour break between each one 1 hour of running your generator. We meet up to make posters Lesbia more stuff for the parade! Jessheim gay spa guide PHP Meetup. Family Camping : Families with children are encouraged to camp in this designated Family area.
Lesbian camping Trondheim Granny Sex Sexy Milf Nice Guy Looking Casual Nsa
A lesbian couple were among the first responders to assist victims following the shooting massacre in Norway on Friday, when gunman Anders Behring Breivik went on a shooting rampage at a youth camp on Utoya island. Black singles meet Lesbian camping Trondheim Neil Gorsuch could be the Lesbian camping Norway vote in both cases. Foto: Austmann. View Styret.
Back to top. No tents are allowed by your car. The great outdoors. As of now, Lesbian camping Trondheim and lesbian couples have Lesbian camping Norway same rights as heterosexualsincluding church weddings, adoption, and assisted pregnancies.
Food and drink. So please plan accordingly as tent camping and Trondheiim camping will not be near each.
The country is proud of its many openly gay and lesbian politicians and celebrities in most of them are found in the big cities like Oslo, Bergen, and Trondheim. Lesbian camping Norway. Horny And Lonely Wants Online Sex Chat. Lesbian camping Norway. Online: Now. About.
After a friend invited me, I agreed to go. Sexuality, Lesbian Home Location, Trondheim, Sør-Trøndelag, Norway Camping Computers Cooking Dining Out Entertaining Fishing Hiking Investing.
Trondheim Pride og Upolert invites you to a Lesbian camping Trondheim Sign Up. Hotels. All egress lanes have to stay clear at all times as per Franklin Co health department guidelines.
Can Art also be Activism? There will be room for trading books, and you can recommend books to. Pride in the mountains Magic might happen when you hike in Lesbian camping Trondheim, especially if you wear the green beanie for singles or the new Trondheik Pride beanie.
Free chat rooms north east Leirvik to top. Top 10 places in Massage therapy Tonsberg juliet Norway. Hege Dalen and Toril Hansen.
Escorts near Bergen note that there are Quiet times Lesbian camping Trondheim 1 Trondhiem until 8am throughout the camping areas.
Team up with your friends, or attend on Leshian own and meet some new people. Food and drink. Queer Knowledge Tour NO. All other vehicles not within this description will not be allowed into the RV camping area.
It is not necessary to cmaping as a private participant, but we do recommend to stay updated on our Facebook page and website.
More Lesbian camping Norway News. He said it was the website administrator who had removed the link in the first place, no politicians were involved, but when people LLesbian offended by the removal of the link, and HomoUKA requested the Lezbian back up, they put it back up.
Start a new group. Foto: TransRealities.
We meet up before the parade to dress up with glitter and stuff, while DJ iDJa play some music! Wheelchair accessible and no age limit. A lesbian couple were among the campkng responders to assist victims following the shooting massacre in Norway on Lezbian, when gunman Anders Behring Breivik went on a shooting rampage at a youth camp on Utoya island.
❶The bar is open from Fra Green travel. Norway in your pocket - a free travel guide.
Fort McMurray Pride. Trondheim Pride arranges tramtrips! Please fill out form in its Lesbiab so we can plan to help you thru your needs for the weekend of Askim daily post online. There are no hook-ups available. Pride Festival of Central PA. Black singles meet review Neil Gorsuch could be the Lesbian camping Norway vote in both cases.
Hege Dalen and her spouse Toril Hansen made four trips back and forth in their small boat, picking up injured, bloodied campinng scared young people. Trond Helge Johnsen will play some music, and there will Buy phones online Ytrebygda a quiz on the way!|After a friend invited me, I agreed Trondyeim go without giving it very much thought.
Explore a wealth of gay-friendly events
Then, about Lesbian camping Trondheim week before I was scheduled to leave, I took a closer look at the website. Fort McMurray Pride.
Soho Pride. Pride Azores.
Navigation menu
Brussels Gay Kristiansand single dating site Lesbian Film Festival. Thanet Pride.
Maspalomas Bear Carnival. Atlanta, Georgia. Timmins Pride. Charleston, West Virginia. Jerusalem Tel Aviv Haifa Eilat.]


text:
Beautiful Ambitious Queens
Empowering Everyday Queens
November 26, 2018
I hope everyone had a wonderful Thanksgiving filled with family, friends or coworkers and that you didn't overindulge too much on food. Even though the origins and the celebration of Thanksgiving are controversial, we can take the principles of Thanksgiving and apply i...
Please reload
Our Recent Posts
Please reload
Please reload
Please reload
Give a Shout
Thanks for your interest in Beautiful Ambitious Queens. For more information, feel free to get in touch.


text:
From Movies to Arcades to Pizza Shops, Any of These Places Would Make For An Incredible Date NightRead More
For when the upcoming school year sneaks up on youRead More
Check out these 9 must-try activities this summer in CincinnatiRead More
Try any of these fun ideas on your next date night!Read More
Thinking of retiring soon? If Cincinnati isn't on your list of possible destinations, you should definitely add it.Read More
Looking for something to do with your valentine? Cincinnati has so much to offer on February 14th!Read More
Wining and dining in the Queen City is easyRead More
8 amazing bars to raise your glass atRead More
The Best Places to Stop for that Authentic Coffee Shop ExperienceRead More
Eating your way through Cincinnati's food landscape.Read More
The Queen City is here to entertain you day and night.Read More
Summer vacation is on the horizon, which means you're going to want to make the most of it while it lasts. Luckily Mt. Orab has plenty of activities you'll love!Read More
West Chester Ohio is a wonderful and affordable suburb of Cincinnati, and might just be the perfect fit for you and your family.Read More
Cincinnati is the queen of all Ohio's cities. Come see why it slays!Read More
Catfish got your tongue?Read More
Good news: Cincinnati's longest running home and garden showcase is coming back!Read More
Discover what's new in Greenville, Ohio.Read More
Make a child's holiday brighter by donating to Toys for Tots!Read More
Find the best school district to prepare your children for college and beyond!Read More
Watch Cincinnati shine on-screen!Read More
Check out Zoo Boo at the Cincinnati Zoo every weekend this October.Read More
Kings Island's Great Pumpkin Fest has got it all from September 30th through October 29th this year.Read More
Planning a weekend trip to Cincy? You have to stop at Jungle Jim's International Market to see all of their amazing hidden treasures!Read More
Miami University has a lot going for them! With the amazing Cradle of Coaches legacy and the charming town of Oxford just minutes away, Miami, Ohio may be the perfect fit for you!Read More
This years Oktoberfest Zinzinnati snuck up on us! Don't miss out on one of Cincy's greatest events of the year!Read More
Visit the history of Cincinnati's transportation at the beautiful Union Terminal. One of the last greatest train stations built still stands for you to see!Read More
Believe it or not many notable movies have been filmed in Cincinnati. Here are 5 of are favorites!Read More
Everyone's looking to eat out, especially during the warm summer months. Here's a list of the top 5 places to eat for the next time you're in Cincinnati.Read More
Being the third largest city in Ohio, Cincinnati is an extremely vibrant city, filled with various exciting and creative activities. Here are 11 exciting activities that you can enjoy in Cincinnati this May.Read More


text:
Whale & Dolphin Watching Adventure
Where: Hornblower Cruises, 970 North Harbor Drive, San Diego
Cost: $40 - $45
Age limit: All ages
Ongoing: until Sunday, April 24, 2016
Speed out to sea on a large, comfortable yacht and pass barking sea lions and pods of leaping dolphins as we search for the legendary gray whales, known for migrating the longest distance of any mammal on Earth.
As we make our way on the 3.5-hour tour, you'll be treated to a live narration by am experienced captain and our on-board naturalist from the San Diego Natural History Museum.
Recurring dates & times
- Sunday 9:30 a.m.
- Monday 9:30 a.m.
- Tuesday 9:30 a.m.
- Wednesday 9:30 a.m.
- Thursday 9:30 a.m.
- Friday 9:30 a.m.
- Saturday 9:30 a.m.
Revise or correct this event listing
Please log in to submit event corrections


text:
Find your way through
Find partners, professionals, products and service providers that best serve your needs in the main trade and professional event within the Greek Solar Shading and Energy Management market and industry.
Interact – Plan – Organize
Sun&Shadow is designed to serve as the main communications platform and the meeting point of professionals, companies, investors and the public of Building Systems and Automations, Passive House, Shading and Protection and Renewable Energy Sources.
Within the expo halls and different booths of products, companies, expo events and points of interest, exhibitors and visitors of Sun&Shadow 2012 get to know, interact and cooperate.
They can exchange ideas and plan future projects, activities and possibilities towards growth, successful and effective solutions and applications, energy saving and management.
Find your way through Partners and Products
Face to face communocation and interaction, real life application and experience of the products and of the people who work with you, provide the competitive advantage of forming personal ideas, estimations and views on things rather than being based on formal mediated ways of interaction.
Sun&Shadow 2012 creates the most suitable commonplace for professionals and public to come together and find the common ways of interaction and netowrking eeficintly, creating thus a solid net of field experts.


text: How To Software How to Add Music to PowerPoint Music sets the mood for your presentation Share Pin Email Print Wes Hicks \ Unsplash Software Presentations Documents Spreadsheets Desktop Publishing Graphic Design Databases Animation & Video By Tricia Goss Writer Tricia Goss has been a writer and editor for 10+ years. She's written tips and tutorials for Microsoft Office applications and other sites. our editorial process Facebook Twitter LinkedIn Tricia Goss Updated May 19, 2019 When you add music to PowerPoint, you have a couple of options. Play the music automatically at a certain point in the slideshow, or play the music throughout multiple slides. Instructions in this article apply to PowerPoint 2019, 2016, 2013, 2010; PowerPoint for Office 365, and PowerPoint for Mac. Audio File Formats Supported by PowerPoint Before you add music to your PowerPoint presentations, understand which audio file formats are supported. If it's not listed below, you can't use it. Windows AIFF Audio file (.aiff)AU Audio file (.au)MIDI file (.mid or .midi)MP3 Audio file (.mp3)Advanced Audio Coding - MPEG-4 Audio file (.m4a, .mp4)Windows Audio file (.wav)Windows Media Audio file (.wma) Mac AIFF Audio file (.aiff or .aif) AU Audio file (.au or .snd)MP3 Audio file (.mp3 or .mpga)MP2 audio (.mp2)MPEG-4 Audio file (mp4 or .mpg4)Waveform Audio file (.wav, .wave, .bwf)Audible.com audio (.aa or .aax)Apple MPEG-4 audio (.m4a)Advanced Audio Coding - MPEG-2 Audio file (.aac or .adts)Apple CoreAudio format (.caf)Adaptive Multi-rate Audio (.amr)Ringtone (.m4r) AC-3 audio (.ac3) Enhanced AC-3 audio (.eac3, .ec3) Insert a Music File on A Slide It's easy to insert a music file on a slide. Go to a slide and select Insert > Audio > Audio on My PC. In the dialog box, choose the file and select Insert. An icon for the music file appears in the center of the slide. How to Play Music When a Slide Appears You can start music automatically when a specific slide appears or after a delay. To start playing the music automatically: Insert the music file on the PowerPoint slide where you want the music to play. Select the music icon on the PowerPoint slide. Go to Audio Tools Playback. Select the Start down arrow and choose either In Click Sequence or Automatically. In PowerPoint 2010, PowerPoint 2013, and PowerPoint for Mac 2011, In Click Sequence is not available. Go to Slideshow and select From Beginning to test the music. To start the music after a delay: Insert the music file on the PowerPoint slide where you want the music to play. Go to View and select Normal view. Select the audio icon on the slide. Go to Animations, select Add Animation, and choose Play. Select Animation Pane and make sure the audio clip is the first item listed. If you have no other animations in place, it will be the only item. Select the arrow next to the sound clip and select Effect Options. Go to the Effect tab. Select From Beginning under Start Playing. Select After Current Slide under Stop Playing. Go to the Timing tab. Select the Start down arrow and choose With Previous. Press the Up Arrow in the Delay box to choose how many seconds you want to wait before the music begins. Select OK when you're finished. How to Play a Song Across All Slides You can play a single song or a collection of music throughout an entire presentation, as well. To play music during the entire presentation in PowerPoint 2019, PowerPoint 2016, PowerPoint 2013, and PowerPoint 2010: Insert the music file on the first slide of your PowerPoint presentation. Select the audio icon on the slide, go to Playback, and select Play in Background. In PowerPoint 2010, select Play Across Slides. Place a check next to Loop Until Stopped. To play music during an entire presentation in PowerPoint for Mac: Open the PowerPoint presentation in which you want to play music throughout the slideshow and display the first slide. Go to Home, select Media, and choose Audio Browser. Locate the audio file you wish to add to the PowerPoint presentation and drag it to the slide. Go to Format Audio. Select the arrow next to Start in the Audio Options group and choose Play Across Slides. Go to Playback Options and select Loop Until Stopped. How to Hide the Audio Icon You may not want the audio icon to be visible on the slide where you inserted music. Fortunately, hiding it is a simple task. Select the audio clip icon. In PowerPoint 2016, PowerPoint 2013 or PowerPoint 2010, go to Playback and select the Hide During Show check box. In PowerPoint for Mac, select the Playback Options down arrow and choose Hide Icon During Show. Continue Reading


text:
Metro 95.1
Basta de todo
Created by Blanc
May 12, 2014 16:09
00:00 / 25:00
72 plays
Read more
Read less
We are sorry, audio play could not be started. Please try again in a few minutes
We are sorry but the audio player cannot start playing.
We are sorry but the radio information cannot be accessed right now.
We are sorry but there're no radio recordings at this moment.
We are sorry but the audio content cannot be accessed right now.
We are sorry but the audio content cannot be played at this time.
We're sorry, this radio is no longer available. You may hear cuts or previous audios.
We are sorry but there're no transmitions recorded at the time you've requested
The recording schedule of this radio isLun-Dom 0-23:59
Last recording
Next recording
The number must be greater than 0.5 or less than 4
We're sorry. We do not have this radio recordings for the time requested. You can click on 'Change' to go to another day or time. This radio is recorded Lun-Dom 0-23:59
joselo rangel
matías martin

To download this cut you must have a Premium or a Plus Account
Get a premium or plus account now
You can only download cuts with a duration of less than an hour. Create a smaller cut.
Preparing audio...
The audio could not be downloaded. Please try again in a few minutes


text:
ignaciaPosted at: September 18, 2019
ATTENTION! Found a gorgeous lucky!!! I did not know about them? + PHOTO!
●♥•°•ღ ღ•°•♥●๑
I went once during one of their lunch breaks in Letual with the purpose to look after yourself for the new season a couple of interesting shades of nail Polish. And my attention was drawn to a rather large booth with some of the company laki Misslyn, and the choice there was really impressive - I liked it immediately, because the varnishes of almost all other businesses have a bit boring (Yes, I legomaniac ). Anyway, I picked up two shades, and so began my acquaintance with laki Misslyn.
And here are my impressions.
Dignity Misslyn polishes.
·٠•●๑ Rich palette of colors, in which each of us will find the right shades for every mood / season / weather / clothing etc.
·٠•●๑ Convenient bottles of optimum size – not large, which means that varnish will not have time to thicken before you use it to the end, and not a little, and then Polish thickens after one or two applications (sin, for example, a little Orly and Mavala marusenka), and it will suffice for a long time.
·٠•●๑ Handy brush that does not require professional skills for smooth application.
·٠•●๑ Easy application. And if some of the shades in a single layer polecat, the two layers will fit just perfectly smoothly and evenly.
·٠•●๑ Quick drying nail Polish – two coats require no more than 15 minutes.
·٠•●๑ is a normal price – in the region of 200-300 rubles (cheaper than ESSIE or CND).
·٠•●๑ I like Very much.
And, in fact, a photo of two (so far two!) my shades.
ღღღ #12 (line Velvet Diamond) ღღღ
Very beautiful sand black lacquer with a million silver sequins shimmering in the light of the lamps like stars in a black night sky!.. Having put two coats of this Polish, I realized that I just fell in love with this shade! Up to this point, no such shades I had, and I carried it at least three weeks repainting, of course And so he kept by the way is also very good - 4-5 days, for me it is a great result. Top coat-no paint - otherwise lost its noble mate. In General, lacquer is amazing!
ღღღ #195 Magma ღღღ
Laki Misslyn to buy I DEFINITELY recommend! This is a great opportunity to really diversify our palette of beautiful, interesting and high quality shades.
Thank you for your attention!
●♥•°•ღ ღ•°•♥●๑


text:
Luxury Car Rental In BangkokExperience a thrill that stays with you long after the rental return. ATTENTION: If the owner of the car does not fulfil the stated requirements, the car will not be insured by our Viriyah comprehensive insurance policy and the responsibility for any damage during the rental period will rely on the owner of the vehicle.
Bangkok Airport Limo Service years of experience and expertise in providing luxury chauffeur-driven car hire is what allows us to select the best cars, hire the best drivers and always deliver on our promise of offering the highest level of customer service every time you hire luxury limo from us.
Hertz has one of the largest selections of vehicles in Thailand. We know you want everything to in place in Bangkok, Thailand. But in the rental automobile industry there are five cars which are the most popular throughout: Chevrolet's Cruze, the Chrysler 200, Nissan's Altima, the Toyota Camry and Toyota's Corolla.
The best part of ATA Car Rental is the rental price includes insurance, GPS, and other free features. Our reputation marks us out as leaders Luxury car rental Bangkok in luxury limousine hire in Bangkok. One can find a great variety of cars on rent in Bangkok from standard economy cars to luxury cars.
We offer a wide selection of cars for rent: economy cars, family cars, sedans, compact cars, MPV and SUV. If you have any questions about luxury car rental or need advice on which car is right for you, just ask our knowledgeable staff who are on hand to assist.
Bangkok is the capital of Thailand and one of the most popular cities of the Orient. The company also offers limousine and other first rate services. Most of the companies do not provide Exotic cars to drivers under 25. Sometimes a driver must be at least 26 or even 28 to be able to order an Exotic vehicle.
All of our luxury rental cars in Bangkok are fully inclusive meaning you can just arrive, sign the necessary paperwork and be on your way with no hidden extras. Look no further than whenever you need a cheap car hire deal in Bangkok. Wat Saket - If you want an incredible view of Bangkok, then use the luxury car hire in Bangkok services to visit Wat Saket.
You can book the rental cars easily from our website, Android and iOS app. 2.Prepay for your rental and get some of the cheapest rates. Your claim needs to be verified by a member of the car rental team as well as Thailand's local police. For renting a car in Bangkok, one needs to ensure to follow all the terms and conditions in the contract.


text:
CM appeals Maoists to release Italian tourists
"I reiterate my appeal to the Left-wing extremists not to take any drastic step. I also condemn this heinous crime. No one will condone this kind of act in a civil society," Patnaik said. The Italian Consul General is likely to arrive in Bhubaneswar this evening in the wake of the abduction and will review the situation with the state government, official sources said. Chief Secretary B K Patnaik said two Italian tourists, Bosusco Paolo and Claudio Colangelo, who were on a trekking tour on the Ganjam-Kandhamal border, were abducted by Maoists on Saturday. They had come from Puri by a vehicle and had ventured into the forested area despite being warned of the Maoist menace by the Daringibadi police station, he said.
They were accompanied by a driver and a cook, Patnaik said, adding that the Maoists, however, released the two along with the vehicle. The Maoists, who claimed reaponsibility for the abduction of the foreign tourists through some private news channels around midnight last, however, said the kidnapping had taken place on March 14. In their communication to the TV channels, the Maoists claimed that the foreigners were taken hostage while allegedly taking objectionable photographs of tribals in interior areas despite a ban by the state government on such activities.
When asked whether any steps were being taken to halt combing operations against the Maoists, the chief secretary told reporters that the government would wait for the response of the Maoists to the chief minister`s appeal before taking any steps for the release of the foreigners. Meanwhile, a report from Puri said that the driver, Kartik Parida and the cook, Santosh, who had since returned to the temple town, were being interrogated by the police. The Maoists have reportedly put forward a 13-point charter of demands for release of the hostages. The conditions include halt to anti-Naxal operations, withdrawal of cases against tribal people lodged in jails `in the name of Maoists` and implementation of the `agreement` with the rebels for the release of the then collector of Malkangiri district in February last year, sources said.
Dandapani Mohanty, Convener of the Jana Adhikar Manch, and one of the mediators who negotiated with the government to secure release of the abducted Malkanagiri collector last year, has also appealed to the Maoists not to set any deadline for fulfilment of their demands. The Maoists had abducted the then Malkanagiri collector R Veenel Krishan along with a junior engineer from a remote area in Malkanagiri in February last year. The two were released after the government arrived at an agreement with the three mediators, one from Odisha and two from Andhra Pradesh.


text:
We use cookies to enchance your visit to our site and to bring you advertisements that might interest you Privacy Policy to learn how to manage cookies on this site.Accept and Close Read More
Once a sleepy coastal village, Hua Hin became Thailand's very first beach resort destination in the early 1920s. With its lapping waves, broad stretch of white sand, and tranquil ambience, Hua Hin Beach has become a byword for relaxed family holidays and idyllic moments.
Hua Hin is where artsy markets and eateries, summer palaces, family-friendly water parks, and eight sublime 18-hole golf courses meet the sea. Adventuresome holidaymakers will enjoy the mountains, caves and beaches of Sam Roi Yod National Park to the south and the Pala-U waterfalls to the west.
华欣盛泰澜海滩别墅&渡假村于1920年代第一次开门迎宾,当时通往马来西亚的新铁路将华欣颓靡的渔村转变成泰国第一个海滩度假村。原名为铁路酒店的渡假村,沿着旧铁路而建,现今已然成为世界公认的亚洲宏伟酒店之一。精致扩建与装修后的渡假村弥漫着高雅怀旧风情,这里是一美丽渡假胜地,座落于海滨处,并位于市中心的优越地段,四周花园繁茂,在此悠闲漫步于徐徐海风,是您探索城市和购物的天堂,适合情侣或家人 ...
1 Damnernkasem Road,
+66 (0) 3251 2021 -38
Here's a great deal to escape to one of our fantastic hotels and resorts in Thailand, Vietnam, Sri Lanka, Oman, Qatar, and the Maldives. Enjoy up to 60% when you book at least 60 days in advance.
Book now and enjoy a fun and free stay that includes
Forget about stress and enhance your next vacation with our spa holidays package. This special package will allow you to enjoy a relaxing spa getaway that soothes your body and mind at Spa Cenvaree along with the beautiful accommodations and Thai-style service we're famous for.
在华欣盛泰澜海滩别墅&渡假村绝佳地点感受殖民时代辉煌。 美丽的海滩、令人惊艳的设施和赞不绝口的餐饮选择,均期待着情侣出游和家庭度假的您到来。


text:
The 'Future Proofing your Sheep Enterprise' conference is shaping up to be a must attend event for all in the sheep industry.
The conference will take place on Wednesday 2nd October in Greenmount Campus CAFRE and Thursday 3rd October in Silverbirch Hotel, Omagh.
This evening conference jointly organised by CAFRE, Ulster Farmers' Union, LMC, AFBI, NSA and NIMEA, will focus on a number of topics including 'maximising market returns'.
Making changes at farm level to ensure that producers are maximising market returns has never been more important, with current deadweight prices running behind previous years and the ongoing uncertainty around potential market outlets for Northern Ireland lambs following Brexit.
There are approximately 800,000 lambs produced for slaughter in Northern Ireland every year with half slaughtered locally and the other half exported to Republic of Ireland for direct slaughter. Two main challenges for the lamb sector are maintaining the production of high-quality meat that fulfils current market specifications and the second is to ensure sheep farming is financially viable.
When producing lambs the starting point, ironically, should be considering the end-point. Producers should ask themselves: Who will be buying the lambs? How will they be marketed? When do they need to be ready by? What type of lamb is required?
George Williamson, agricultural manager with the Dunbia group, is a keynote speaker for the 2019 sheep conference.
He said: "When it comes to delivering an ideal lamb carcase that meets market specifications in terms of both weight and fat cover the ball is firmly in the producer's court. Regular weighing of lambs and handling for fat cover is an essential part of the sheep farmer's routine and selecting lambs based on this is central to maximizing the value of your lamb output."
For lambs going direct to slaughter the target is a 21kg carcase at this time of year and with limited market outlets for heavy lambs allowing lambs to go overweight makes no economic sense. Lambs should be sold when they are ready and the key to maximising market returns is efficiently producing the type of lamb the market really wants and is willing to pay the most money for.
How to Book your Place?
Interest in this event is anticipated to be very high so if you want to be guaranteed a place then you need to book early. Conference cost is £15 per person and includes a light supper.
Booking is via the UFU website www.ufuni.org/events.
If you have difficulty booking online, please contact Angela Scott at UFU HQ on 028 9037 0222. Note: Places cannot be reserved and payment in full is required at the time of booking by credit or debit card.


text:
I spent all weekend trying to find a good solution for this. I need to upload videos to a remote server, but they are too big; thus, I'd like to compress them. I've looked into a few Nuget libraries out there, but they don't work as I can't even install them into my project due to compatibility issues. I wish Xamarin had provided a library of its own to help us out. Has anyone here successfully compressed videos on the client side?
I've just tried the XamarinAndroidFFmpeg,which also encountered compatibility problems.The solution is to add reference dll file directly to your project. For more, you can refer to https://stackoverflow.com/questions/50905545/xamarin-android-package-xx-is-not-compatible-with-monoandroid81-monoandroid-ve
You can try Noemax.Compression.17.301.0, I've tried to install sucessfully.Though is not Xamarin, it also works well in C#.
The more infromation about Noemax.Compression : https://www.noemax.com/dotnetcompression//
@yelinzh Unfortunately, zip compression is not what I'm looking for. I wanted to find a library that did video transcoding to reduce file size. I used https://github.com/ypresto/android-transcoder, but it doesn't shrink the video file as much as I want. I'm sure there is a way to configure it the right way. I compressed 200 mb file to 120 mb, but I need something like 30 mb while sacrificing quality as the video files will be played on smartphones.
XamarinAndroidFFmpeg is a Nuget library and has a good compression rate such as 30 MB reduced to 1 - 2 MB.
No, it doesn't work at all. I can't get it to compile.
Please add a diagnostic build output(As a file attachment or gist link), that would be really helpful!


text:
When these levels are in reality placed on the table, there's need for some regulations to be offered. Due to this trick only shifted my whole life right then, along with my total existence of that which I thought casino has been around, and now I am going to improve yours too.
Additionally, take a peek at the live table that's farthest in the dealer, since method it really is easier to find what cards have been played with. The ones which are in relation to gambling have expressed concern on the amounts published by Nielsen, as they suggest these websites are overly readily accessible.
The analysis also pointed out into how people between the age of thirty and sixty gamble with more money than those individuals who are older or younger. As we'd all of the coins back into the hard count room, we'd set them via counting machines, at which the coins had been dropped to canvas bags plus also they certainly were also weighed.
That duration may be understood to be the normal deviation of all probable effects in the predicted ones. These particular games are what keep players moving straight back to such specific sites. Enable the horn run throughout the cards easily and see them stack alternately on top of each other. Thus it is advised that you consult with all advice regarding the online betting, online sports betting, and also net-based casino games.
It is actually basic, set up an account online, get your products online, and off you go. They will need you throughout all of the method and explain it cautiously to you until you get the hang of it.
This way, by the time you sign-up, you know just what you're getting into. By downloading this software, you have yourself a hands-on experience around the lesson-card counting, techniques for soft and hard totals, and also techniques such as pairs.
Players will probably soon be allowed to double down after they obtain their initial two cards. If you truly do not need the cards, and actually possess a very minimal hand and so they lift enough to call you all in, there are times when you'll need to consider a fold, because you do not need to venture out onto some weak bet. Gamers play at the table play with the expectation that the ball spinning at the wheel ultimately ends up within the chosen combinations of color or number.
The greatest bonus of roulette which attracts players from Mexico is it makes certain player privacy. Always observe the table, this will enable you to sense what kind of wagering will be built.
You can't sit down in Mobile Slot Machines also expect to win all the time so putting the anticipation that you will lose can create the winnings all the more rewarding. Even though, the probabilities of winning a jackpot are maybe not extremely substantial, there sure are several other modest wins which is earned based on this combination of many colorful pictures on those reels.
The list of fun diversions is very long and you may wind up cutting manner an excessive number of sleep out of your day-to-day regime. Nearly regardless of your level of knowledge as a player, one efficient and enjoyable method of increasing your own game is by playing blackjack room websites.
Bear in mind, you have to bet your deposit and bonus number many times more until you receive to hold the money, which means you can expect to need it to last so much as possible. As you'd anticipate, it soon become fairly obvious that the bonuses supposed a brand new player can go to a casino and stand a really great probability of walking out with a profit. Player's legal way for Mexican players to play, their present financial institution- roll, and recent wagers are constantly displayed at their respective places on the table. The bonus will be made immediately accessible the moment all specifications have been achieved.
Slowing game is not good for almost any one and players might the table to get being it overly sluggish. This will be considered a good reference on to whom to wager and raise their chance on winning more money on their second wagering game.
The tables gives you the ability to readily host poker night time with friends and family with no annoyance to growing every thing setup in the place of playing on your ground. Nonetheless, before you go and wager real money, it's strongly suggested that you first examine your capabilities with play money.
You simply cannot win a casino tournament in the very first round so decide to try to be more consistent on your playing. If a funds game begins, most people has an identical opportunity to buy in to get an equal amount. Nevertheless, that person you're dealing with on the opposite end of the phone must be bilingual, experienced, professional, and considerate in all moments.


text: On Friday, August 30th, we met at a pancake cafe & diner in San Telmo, Buenos Aires, Argentina,to celebrate ProZ.com's 20th anniversary. It was the first ProZ.com powwow for many of us, including the newly added staff members from the Argentinian team. We ended up being forty people --taking up more tables than planned-- and we had a lot of fun!Read More


text:
KUCHING: This year's eagerly-awaited Gawai Dayak celebration was on fire.
Gazetted as a public holiday in 1965, Gawai Dayak has since been celebrated on June 1 every year. The celebration was originally held to express gratitude over bountiful rice harvest for the Dayaks.
Though the present generation has undergone transition to modern living and no longer having any specific season of harvest, Gawai is still recognised as a relevant authentic celebration for the Dayaks.
Traditionally known as a religious occasion, many Dayaks who have left animism and paganism and embraced Abrahamic religions still celebrate the festival as a social occasion where family members and relatives get together.
As the festival day approaches, everyone is busy with general tidying up, grave visits, paddy drying and milling, collecting and preparing food and house decorating, where necessary. The mode of celebration of Gawai Dayak varies from place to place and preparations begin early.
The Gawai celebration begins on the night before with offerings and sacrifices such as "Muai Antu Rua" (a ceremony to cast away the spirit of greed) and "miring" or "bedara" (a ritual- offering ceremony).
Once the offering ceremony is completed, the family sits down for a festive meal in the gallery of the longhouse.
Just before midnight, a spirit-welcoming procession (Ngalu Petara) is performed several times up and down the gallery. Apart from that, a beauty pageant to choose the festival's queen and king (Kumang and Keling Gawai) is also conducted.
During the dinner, the chief and elders hold a "begeliga" to remind everybody to keep order, peace and harmony. Heavy fines (ukom) are imposed on those who break the customary "adat" and festive ground rules with fighting, quarrelling, drunkenness or vandalism.
At midnight, a gong is rung to call the guests to attention. The longhouse chief (tuai rumah) or host will lead a toast to longevity (Ai Pengayu) and the new year with a short prayer (sampi).
The festival greeting, "Gayu Guru, Gerai Nyamai, Senang Lantang Nguan Menua" is repeated to each other. Mistakes and quarrels are forgiven. Where a bard is available, he may be asked to recite a short chant called "timang ai pengayu" to bless the longevity water before the chief says the short prayer.
Among other activities associated with Gawai Dayak are casual entertainment such as "ngajat" (Iban traditional warrior dance), sword dance (bepencha), self-defence martial art (bekuntau) and "tolak bala" (Bidayuh Dayak dance).
They also do sumpit (blowpipe) contests, mini sports and traditional games such as drinking of "tuak" (rice wine), "bibat lengan" (arm-wrestling), "betarit lampong" (small log pulling), "tarit tali" (rope pulling) and "bapatis" (foot-banging).
During the festival, Dayak homes are open to guests and welcome the practice of "ngabang" (visiting). Traditional cakes are served such as "sarang semut," "cuwan" and "kuih sepit."
According to former senator and deputy speaker of the Dewan Negara, Datuk Seri Doris Brodie, Gawai is a time for people to come together regardless of whatever divides or differences they may have.
"It should also be a time to reflect on the past years and to make plans and adjustments for the betterment of the future," she said.
Meanwhile, Youth and Sports Assistant Minister Datuk Snowdan Lawan recently mentioned his concerns over changes in time which may affect the beautiful festival.
"Time changes and community evolves. Traditions are kept but with innovations, especially in dressing, communications and music," he said.
To him, youths are more inclined towards technology such as smartphones compared to oral communications.
No matter how busy you are, it's your loss if you miss out on Gawai!


text:
Thèse de doctorat de 3e cycle, Histoire, dir. Madeleine Rebérioux, Paris 8, 1987. [S.l.] : [s.n.] 3 vol. 1064 p. Index
LILLE 3: 3 microfiches
The study of documents, newspapers and archives in the district and national archives, concerning both the Charente and Charente inférieure "départements", shows that the Charentais population, concerned with the "radical" movement, adhered massively to republicanism before 1914. This was the official ideology, turning France into a particular country: she could only be involved in a war of self-defense.
In spite of its important means, including state schools, the state could not prevent both the activists, inspired by revolutionary trade-unionism, and the organizations - especially trade-unions - from developing a different analysis: France was an imperialist state, similar to the others; consequently, proletarian solidary was a necessity. It was therefore the government's tactics to track them down and particularly to force them to silence.
In August, 1914, the Charentais population, dumbfounded, answered loyally the national call to duty; but for one attemps, the antimilitarists kept silent.In spite of this approval, there is a complete breaking off between the popular feeling and the national hypnosis in 1916.
Yet the nationalist feelings remain, even in the departements' arsenals, in which the conscripted trade-unionists are supporters of the Zimmerwald's minority. After the war, the revolutionary wave hits the two départements with the railway strike.
Two trends coexist in relation with the war: the first, reformist, gathers the "radical" and "socialist tendencies, who believe in Wilsonism , the Society of Nations, the disarmament conference; the other, revolutionary,brings sometimes together the more often opposed anarchists and communists. The anarchists are simultaneously against dictatorships and the idea of national self-defense. The communists, after 1936, come back into the national fold and do their share in the popular front strategy to fight Nazism.
The reason of state has homogenized consciences; proletarian solidarity has been vanquished.


text:
Electric Cars For Sale In The UK
The electric car market has been growing in recent years due to the increased public consciousness and developments in technology.
From petrol and electric hybrids through to fully-electric models, the best brands and most reputable companies in the motoring world are itching to get to the front of the queue for their customers.
Use an international car importer to find the electric car you want
Import Marques is an established provider and importer of electric cars for sale in the UK, which can be shipped all over the world.
From European and Asian delivery and shipping, we have the ability to source electric cars in both right and left-hand drive from manufacturers such as BMW, Mercedes-Benz, Bentley, Range Rover, Audi and many more.
How to choose the perfect electric car for sale in the UK?
Our service is suited to businesses, individuals and more who are looking for a future-focussed electric car which offers class, quality and affordability.
This all starts with speaking and discussing your options with our expert consultants about the options open to you.
Together, you can explain your needs and take on the advice of our professionals to find an electric car suited to your budget, requirements and preferences.
- Step One: Contact us directly via our website form:
Let us know all the details about the electric car you are interested in acquiring. Colours, extras, upgrades and more can be accommodated by our team.
- Step two: Await a quote from our team:
We come back to you with a personalised quote for the delivery, vehicle and any extras you have requested.
Our electric cars for sale in the UK include some of the latest releases in 2019 and beyond such as:
Audi's E-Tron and I-Pace EV by Jaguar are ready for you to import now from our service while we have Mercedes-Benz's latest electric car, the EQC, coming soon.
To stay ahead of the newest developments in the electric motoring world, keep an eye on our blog page.
- Our company can help with tax-free sales to any country
- Competitive trade pricing and long-term business relationships established
- All the latest models available from stock or special order so you gain an advantage in your local market
- Flexible and secure payment terms
With its unique exterior design and cutting edge technology, the Jaguar I-Pace is available to buyers for export worldwide. Please contact us to discuss this all-electric mid-sized SUV model, with its large interior passenger space, Touch Pro Duo infotainment system and advanced EV technology. All our quotations will include shipping to your destination country.View details and make an enquiry
The e-tron is the very first electric car from Audi. The most innovative feature of the car is the mirrorless side mirror system, replacing the traditional wing mirrors with high-definition cameras. Drivers will benefit from a range of more than 400km, one of the best in its category.View details and make an enquiry
The eighth generation of the Porsche 911 has arrived; codename '992'. The new car will offer two models both coming with incredible speed; The Porsche 911 model S & model 4S (all-wheel drive) will take less than 4 seconds to reach 100km/h.View details and make an enquiry
The new Defender is the latest jewel of the Land Rover Dynasty. First developed in the 1980s, the 2020 Defender model is creating another significant milestone in the brands rich history. The car will come first with two models, the 4x4 Defender 110 and the short wheelbase 4x4 Defender 90.View details and make an enquiry


text:
Reading the material from Celestron it makes it sound like this battery would be a preferred source to power my Evolution mount over the built in battery.
I'm thinking maybe power the scope with this and used the built in as a backup.
One question I guess would be if you plug in this external power source, the mount would use it instead of the built-in wouldn't it?


text:
Author of Resurrection of the Wild: Meditations on Ohio's Natural Landscape, Deborah Fleming is an equestrian, mountain climber, and organic gardener who writes poetry, fiction, essays, and works of scholarship.
The recipient of grants from the National Endowment for the Humanities, American Council of Learned Societies, and Ashland University, she has published books on Yeats, Jeffers, and Synge and has edited two collections of essays on Yeats. Three of her poems have been nominated for Pushcart Prizes. She is a professor of English at Ashland University, and Editor and Director of Ashland Poetry Press.
Watch the Shelf Life episode with Deborah Fleming here.


text:
Echo Sloping Top Cap
- Sloping top cap for Echo stems.
- Constructed from aluminum.
- Narrow profile and cutouts keep weight to a minimum.
- Unique design gives this top cap more clearance than other sloping top caps, allowing the fork steerer to be run closer to the top of the stem for a more secure setup.
- Supplied with matching steel M6 X 30mm bolt fitted for 5mm allen key.
- Compatible with Echo, Rockman and some other sloping stems.


text:
- This event has passed.
Hoppin' John Cook-Off
September 14, 2019 @ 5:30 pm - 6:30 pm$3
Show off your culinary talents! You could leave the festival with a prize and ribbon whether you are a musician or not. The cook-off is a play on the event's name because most everyone knows a tasty version of the dish. Folks will line up to taste what's been cooking in the pot, and yours could be the favorite! Click HERE to register!
First place winner will receive $50 & the Golden Skillet, second place – $35, Third place – $25
Cooking will commence at 11am on Saturday, September 14. Contestants must register at the cookoff pavilion and begin cooking no later than 3:00, and serving/judging will begin at 5:30 pm
Judging will be by people's choice. All who wish to sample the competing hoppin' john entries will make a donation of $3 (tickets to enter Hopping Johns Fiddler Convention event must be purchased also) for a ballot and a spoon. Samples of each hoppin' john entry will be served in individual cups or bowls, provided by the festival. Upon sampling all of the entries, tasters will mark their ballots.
Hoppin' John is to be prepared on-site in the designated cooking area. One minor exception is that contestants using dry beans may soak them at home.
To qualify as Hoppin' John, all dishes entered must contain black-eyed peas. Beyond that, you are encouraged to be creative with other ingredients and seasonings. While hoppin' john traditionally contains pork, vegetarian variations are welcome.
A minimum of six quarts of hoppin' john per entry is needed for judging. Make more at your own discretion… if you run out, you've lost potential votes!
Contestants bring their own ingredients and cookware (pots and pans, cutting boards, knives, spoons, spatulas, etc.) Let us know if you're missing something, though, we can probably help out.
Contestants should also supply their own heat (propane camp stoves, butane burners, etc.) If you need a heat source, check in the pavilion early Saturday morning; we have additional stoves available.
As always, cook-off contestants receive FREE SATURDAY ADMISSION. Once you have registered at the cook-off pavilion on Saturday and set up your cooking table, just walk over to the ticket booth for a refund on your admission ticket ($14. Does not include camping price).
The Cook-Off is dedicated in memory of Charles Murphy and Jasen Morin.
Related Events
Have an event you would like to see published? Please fill out this form with as much detail as possible. {Click Here}


text:
A 57-year-old Burnaby man charged with sexual assault for allegedly groping a seven-year-old girl on SkyTrain earlier this year is scheduled to make his first appearance in B.C. Provincial Court this week.
Anthony Dennis Gulbrandsen was charged April 5 in connection with the incident on Feb. 2.
He turned himself in that same day, according to police, after security images of him were released to the public.
Police originally recommended a charge of sexual inference, but he has now been charged with one count of sexual assault.
Metro Vancouver Transit Police said the alleged victim and her mother had boarded the SkyTrain at the Commercial-Broadway Station shortly after 7 p.m.
The suspect was already sitting across the aisle from where the mother and daughter sat down.
During the commute, police said he tried to get the young girl's attention – allegedly making several lewd and vulgar comments detailing sexual acts he wanted to engage in with the seven-year-old.
At some point, he allegedly touched the girl's buttocks before getting off the train at the Production Way Station in Burnaby, according to police.
A witness who overheard the alleged inappropriate remarks confronted him.
Transit Police also received an SMS text report from another SkyTrain passenger about the incident, police said.
Gulbrandsen is scheduled to make his first appearance in Vancouver provincial court Tuesday afternoon.


text:
Deluge also leaks a few packets even if you have the right settings. In a world of freeware , you have various torrents clients at your disposal. However, the status of files, information, speed, tracker and peer that both the clients show are somewhat in the same style. Having Problems with Accessing Utorrent. We expect you would like our guide on the comparison of these two above-mentioned BitTorrent clients.
To find out what might be responsible for these speed differences the researchers reverse engineered both BitTorrent clients. Tixati has a diverse interface as associated to typical torrent clients and display all the data and information. Too low of an upload speed will give the same result. To analyze the speed of both uTorrent and BitTorrent clients, we took the speed test of both the clients to reach the accurate result. On the other hand, in order to search for files through uTorrent, you have to customize the search box that is integrated within their system based on your specific needs and expectations. The uTorrent Web client is for Windows right now. For instance when I got back on my laptop and booted up utorrent I had this problem so I checked the files I had no errors or file cannot be found.
We should keep in mind that no matter how many platforms a torrent client offers. All I did was exit utorrent then when I could restarted utorrent. Malicious software includes 195 virus, 2 scripting exploit s. Best uTorrent Alternatives 2019 All the uTorrent alternatives are free of cost and are analytically observed. The users can find current torrent jobs with their key indicators in the upper right pane.
Note: uTorrent Web is blocked by Windows Defender and possibly also other security software as potentially unwanted software. The people who like ads-free software always prefer BitTorrent over uTorrent. You'll have to find it on your own you may refer to your router's manual for more information. The border is actually modest, but it is not as rich as qBittorrent. That still does give it a slight advantage over BitTorrent, however, which is not accessible at all through any Mac operating system as of yet.
When it comes to comparing uTorrent client and BitTorrent client see , we must weigh up the interface of both Torrent clients to reach the accurate result. BitLord vs uTorrent: and the best torrent client is…. While that is certainly good, its lack of options is concerning as it gives users little control over the whole operation. The interface of Tixati is flawless and can be used by focusing on the possibilities. I will do Periodic file checks with software and with my own eyes for any malware, adware, viruses, or other unwanted things. By doing so, you can perform the task of torrenting through these clients on your desired devices like Windows, Mac, Linux, and others instantly.
I know that both softwares are made from BitTorrent company, but I just don't get why they have to make two in a same company? Well that I am because I can't get the torrent to seed or I get files are missing or cannot find file. The left menu pane features handy options, where users can check latest torrent recommendation of movies offered by either BitTorrent or uTorrent respectively. To evaluate speed performance of both uTorrent or BitTorrent, we downloaded torrent of Doctor Strange using both clients and discovered huge difference. Size Furthermore, we cannot ignore the size of both the installer when comparing both BitTorrent and uTorrent clients. I found this old thread but there was no solution Slackware has been downloading second day without any issues through the proxy. It's actually a built in option buried deep in the uTorrent's menu.
Whereas, uTorrent put the other downloads on hold till one gets finished. We cannot prove or disprove this. All Logos and Images are property of their respective owners Best-bittorrent-vpn. A large number of users have inquired on different forums including Yahoo Answers about which torrent client is better uTorrent or BitTorrent? It is very important then to choose a torrent file with many seeds not less than 10 seeds so that you can download that file with Utorrent or Vuze. Here is the 30 Days free Trial.
If you have any comments or suggestions regarding uTorrent or qBittorent, feel free to share in the comments section below. The software opens by showing the top list of torrents available for download. Today we are comparing BitLord vs uTorrent, two of the most commonly used and popular torrenting clients available today. Final Words If you are considering an honest alternative to the uTorrent client, the above-mentioned alternatives of torrent clients are best for you. Advertisement Advertisement on any app, software or website are always annoying and seems to be malicious.
The scope of the report is limited to Vuze and uTorrent but in future work the researchers hope to include other clients too. To fix Utorrent not downloading problem, you need a radical solution which is changing from using Utorrent to program. Don't make the same mistake as me. As you have only just mentioned you're using a proxy. The correct answer is uTorrent v2. I have tried restarting utorrent, refreshing, restarting computer, and shutting down computer completely then booting up with external attached. We have conducted research to examine which one is faster, safer and reliable.


text:
Instagram Stories Chat Sticker: 5 Ways Your Brand Can Use It
The Instagram Stories Chat Sticker is your golden ticket to building an engaged community on...Read More
The Instagram Stories Chat Sticker is your golden ticket to building an engaged community on...Read More
When it comes to growing your business on Instagram, influencer marketing has proven to be...Read More
Pride Month is a global celebration, one where many collective voices come together to support...Read More
Did you know that you can play music in Instagram Stories? Announced last summer, Instagram's...Read More
Looking to be more productive and save time on Instagram? When it comes to marketing...Read More
Want to know how to get on the Instagram Explore page? We've got you covered!...Read More
Want to get more engagement on Instagram Stories? First, focus on the views. Second, get...Read More
Working online, especially in social media, presents its own unique set of challenges for our...Read More
There are some big Facebook changes coming soon in 2019, with the company's focus shifting...Read More
Reposting Instagram Stories and sharing user-generated content is a great way to fill your feed...Read More
Dubbed "the Super Bowl of Instagram advertising", Coachella is a melting pot of experiential marketing,...Read More
Never miss an Instagram trend again. Join 1 million+ others and subscribe to our weekly newsletter for the best Instagram tips & tricks!
Sign up for Later's weekly newsletter to get Instagram marketing tips & tricks straight to your inbox!


text:
This gorgeous, modern apartment, 150 sqm in surface, situated on Câmpului Street, Mănăștur area. The apartment has in its proximity shops, bus stations.
The apartment is structured on 2 floors. On the first floor there is the kitchen, living room, 2 bedrooms, both with their own dressing room and a bathroom. On the second floor there is an office with view on the first floor, a bedroom and a bathroom.
For the features, the apartment is full of them: air conditioning, 2 TVs, washing machine, dishwasher, parking spot, floor heating, modern furniture etc.
The price for all of this is 850 €/month plus charges, 100 €.


text:
Fila Disruptor sneakers
Disruptor sneakers
More from this brand
Fila480 AEDAdded to Wish List Add to Wish List
Fila240 AEDAdded to Wish List Add to Wish List
Editors notes
Disruptor sneakers from Fila.
Product details
- Quantity In Stock
- Made in China
- Colour White
- Material Fabric
Shipping & Returns
3 hours delivery
Free service for Dubai only
Free next day delivery on all orders
For all UAE
Pick up in store
Pick up your order in our store in 2h
Gift wrapping
Free service
Need shopping assistance? Contact our Guest Services Team


text:
Wondering how many of you have already blown your New Years Resolution of eating healthy, going to the gym, starting a new you. There is one resolution that would be very easy to keep through out the year, get out once a month to see a local musician perform live.
Without support the local music scene is suffering, please take the time out to go see a local band play. The local musicians put on a great show no matter what is happening around them. The local musicians and the bands will put on the same show if there are 10 people in the audience or 20,000 people. They are the true entertainers in the industry.
The local venues need the support also, without them opening their doors to the musicians there would be no $5.00 cover charges for 10 bands playing, great food and drink prices, most of all there would be no place to go see these talented musicians play. Take the chance on seeing a great show, having some great food and drinks and meeting a musician that someday will be performing in front of thousands of people.
"The GERG SHOW" every week on Tuesdays and Thursdays from 7 – 9PM EDT/EST (-5 GMT) 4 – 6PM PDT/PST, Indie Scene Radio station owner, program director and Host DJ, Gerg Anidem, hosts his LIVE show introducing new independent music artists from around the globe every week! The station streams at 320K for THE BEST audio stream on the internet 24/7/365! Turn it up!
The Ed Tyll show – Loyal listeners have enjoyed Ed Tyll on WABC New York, KABC Los Angeles, WLUP Chicago, WTKS Orlando, WBT Charlotte, WKRK Detroit, WWDB Philadelphia, KYNG Dallas, WORC Boston, WINZ Miami, KSDO San Diego, KQBZ Seattle, KTRS St.Louis, KOTK Portland, KNST Las Vegas, WGST Atlanta, CNN, FOX, ABC, NBC, CBS, TV 56 Merrillville, News Max, China Central News, Starcom Radio Network and other great Radio TV and Live Stream outlets.
This week, PPRN Radio presents very rare broadcasts of the program's earliest episodes. Launched in 2012 and originally called "The Peter Pinho Show with Danny and Bri," the program was very different from its current version – but it was also very funny and engaging. And if you only recently began to listen to PPRN, you will enjoy this special look back at where the fun began! Tuesday January 5, 2016 and Wednesday January 6, 2016 at 7 pm in the beginning part 1 and part 2.
Wednesday January 6, 2016
- Anti-Radio WATI-DM Streaming Launch Spectacular – 8 pm – Join hosts Jeff Testanero and Jenn Scanlon on
anti-radio.com on January 6th at 8pm as we officially launch the new online streaming station.
Thursday January 7, 2016
- HYNGD Live at Mulcahys Long Island NY – 7 pm – Mulcahy's Pub & Concert Hall 3232 Railroad Ave, Wantagh, New York 11793 – HYNGD Americas Hard Rock Band who has been touring the east coast, playing with bands such as Fuel, Slayer, Godsmack, Sevendust, DrowningPool, Nonpoint, Hellyeah, KingDimond, and many more. HYNGD will be hitting Long Island this weekend. the last time HYNGD was in Long Island was for Mayhem Festival 2015. HYNGD Nation kicks off 2016 with a party, come get HYNGD.
Friday January 8, 2016
- Abby and the Roadsters at Cobbs Mill Inn – 7:30 pm Cobbs Mill Inn 12 Old Mill Rd, Weston, Connecticut 06883 – Abby and the Roadsters is a Rock and Roll band comprised of 6 Kids ranging in age from 10 – 12! They recently won the title of BandJam Champion.
- Saints and Sinners(Whitesnake) and Judas Rising(Judas Priest) At JR's Rockhouse in Mardi Gras! – 8 pm – Mardi Gras MultiClub 1500 Oaklawn Ave, Cranston, Rhode Island 02920 – Doors at 7, Music starts at 9, $8 Cover, 21+
- Iron Cobra Rocks in the New Year! – 8 pm – OCC Cafe 14 Crossroads Ct, Newburgh, New York 12550 – Iron Cobra's first gig of 2016!!!
- Moon Hooch w/s/g Buff's Truck – 8 pm – The Acoustic 2926 Fairfield Ave, Ste 3, Bridgeport, Connecticut 06605 – Maybe you saw them at Gathering of the Vibes or Catskill Chill this summer? Or maybe you missed their set and heard about it? Either way, we're thrilled to have these maniacs right here in Black Rock, up close and personal for a night of musical mischief and mayhem.
Moon Hooch captured the imaginations of thousands with its infamous stints busking on subway platforms and elsewhere in New York City: two sax players and a drummer whipping up furious, impromptu raves. This happened with such regularity at the Bedford Ave station in Williamsburg, Brooklyn, that the band was banned from playing there by the NYPD. The trio's subsequent tours with They Might Be Giants, Lotus, and Galactic as well as on their own have only broadened the band's appeal. Wherever Moon Hooch plays, a dance party soon follows.
Bullets N Whiskey Live at Z's Corner Cafe 407 Campbell Ave, West Haven, Connecticut 06516 – 9:30 pm – The Best of Classic and Alternative Rock!
Pure Led Chewing a piece of that Custard pie – 10 pm – KJ Farrells 242 Pettit Ave, Bellmore, New York 11710 – Tribute to the music of the greatest band in the cosmos Led Effin Zeppelin.
Saturday January 9, 2016
Siksay Music Presents Howling for Hounds and Praising Pussy Cats – 6 pm – Cook's Cafe 203 Church St, Naugatuck, Connecticut 06770 – All proceeds go directly to CT Humane Society in memory of Dave Pescetelli mother, Joan Pescetelli. She recently passed after a long battle with liver disease. She was always an animal lover and a proud sponsor of the CT Humane Society. Help out animals in need and have a good time, hope to see all of you there! ALL AGES!!
Adam's Stupid Birthday Show – 8 pm – Cherry Street Station 491 N Cherry St Ext, Wallingford, Connecticut 06492 – I Swear To God I'm A Madman, Rat Smasher, Disease Party, She Walks Without Legs, Inspired To Expire. Five bands, five dollars, nearly twenty sweaty dudes to entertain you.
Jeff Slate & Friends: Weekend Wilburys 2016 Kick-Off – 9 pm – Hill Country Barbecue Market 30 W 26th St, NYC | Brooklyn | D.C. – Jeff Slate & Friends bring their rocking, Wilburys-inspired show to Hill Country Live! on Saturday, January 9th to kick off the band's 2016 shows, with two sets of music beginning at 9 PM. Make your FREE "club level" reservations at 212-255-4544 early as Jeff's recent Hill Country shows have been SRO! Jeff Slate and his all-star band – featuring musicians who have played with some of the greatest roots rockers of all time –return return to Hill Country Live! with an evening of stellar music, including hits and deep cuts from Bob Dylan, Tom Petty, George Harrison, Jeff Lynne and Roy Orbison, alongside original music from Jeff's career inspired by these Americana legends.
Thrown Together Rocks Fishkill's Grand Centro! – 9 pm – Grand Centro Grill 738 Route 9 (Shop Rite Plaza), Fishkill, New York 12524 – Amazing food, comfortable Art-Deco ambiance and Thrown Together in one place! What more could you ask for!
Maxx Explosion's return to Gibson's Bar and Grill 161 Bridge St, East Windsor, Connecticut 06088 – 9 pm – Maxx Explosion starting 2016 off with a return visit to Gibson's Bar & Grill in South Windsor CT. NO COVER CHARGE
Richie Scarlet – 9 pm – PJ's Restaurant 85 Route 6, Baldwin Place, New York 10505 – Come see the Richie Scarlet solo show, before he goes back on tour with Ace Frehley. Also appearing as Richie's guest will be the most deadliest guitar duo under 16 on planet earth. JJ Joey Pettinato and Tommy O'Donnell. This show is not to be missed. It will be a night of pure magical and untamed RnR. The BLURBS with Jonathan Walsh will be opening up for Richie at 9:30 pm.


text:
Financial Inclusion indicates a situation where individuals have continuous and proximate access to the financial services. Moreover, Financial inclusion refers to a state in which all working age adults have effective access to the financial services at affordable cost from the formal financial service providers. Financial service refers to the wide range of financial products and services like mobilization, credit allocation, risk management, payment services and other financial services provided by the financial institutions.
- Financial Inclusion is positively correlated to the poverty; hence it is an effective tool to reduce the poverty.
- Provides wide range of financial service especially to the remote areas and deprived sector, economically backward people without considering any ethnic groups, cast, color, gender etc.
Why Financial Inclusion?
|Breaking vicious circle of poverty.
|Empowerment to rural population
|Expanding economic activities.
|Commercialization of economic activities
|Opportunity to save and invest
|Distribution of financial benefits by govt
|To discourage informal financial sector
|To provide proper monetization in rural areas
- Globally 2 billion adults don't have basic bank account
- Globally, 59% of adults without bank account cite lack of money as the key reason, this implies financial services are not yet affordable or designed to fit low income users.
- In south Asia, only 33 percent adults have bank account
- In Nepal (NRB Survey, 2015) it was found that
- 61% of Population are formally banked
- 21% of Population are banked from informal channel
- 18% of Population are Financially Excluded
- Number of branches of BFIs (Nepal) 6418 (Mid-June 2018)
- Active Saving Account (11 Million- 60%) : Male 48% and female 26%
- Out of 753 local bodies, commercial banks have shown their presence in 556 as of 8 July 2018.
- As of mid-May 2018, the number of deposit accounts stood at 22.5 million and loan accounts 1.29 million. The number of ATMs reached 2,624. Likewise, the number of mobile banking users reached 4 million and the internet banking users 784 thousand. The number of issued debit card stood at 5.24 million and credit cards 97 thousand.
Steps taken by GON and NRB for Financial Inclusion
- National Microfinance Policy 2008 has promoted rapid sector growth and increase the outreach of Microfinance Institution in remote areas.
- Expansion of the banks and their branches
- Mandatory lending to priority/deprived sectors
- Major provision through Monetary Policy 2018-19
- A provision for the commercial banks to extend at least 10 percent of their total credit to agriculture sector and at least 15 percent to energy and tourism sector, making a total of at least 25 percent in the priority sector. Such provision for the development banks and finance companies to extend at least 15 percent and 10 percent respectively of their total credit. Commercial banks will be encouraged to extend credit in the priority sectors in all seven provinces.
- BFIs should disburse minimum 5.0 percent of their total credit to the deprived sector.
- A provision of the deprived sector credit by including the loan under the mortgage of educational certificates, loans extended to the deprived and marginalized sections of the society and students of target group for higher as well as technical and professional education, and loans provided to Dalit communities for operating businesses under group guarantee. GoN has provisioned 5 percent interest subsidy on such loans.
- BFIs to open branches without pre-approval of this bank in areas outside the metropolitan and sub-metropolitan cities.
- Establishment of provincial office of all commercial banks in each province. This will avail banking services in simplified and effective way in all the provinces and contribute to the expansion of financial access and inclusion.
- Students at high school and university level are encouraged to open bank accounts in coordination with BFIs. This will be complemented by financial literacy campaigning.
- Nepal Rastra Bank has introduced e-mapping portal incorporating various indicators of financial inclusion and this portal has made accessible to the public.
- In the context of supporting the implementation of federalism through financial access and inclusion, a provision has been made for financial institutions to adjust their area of operations in line with provincial structure. This is expected to expand financial access and inclusion.
Problem or Barrier to Financial Inclusion in context of Nepal
- Nepalese borrow exclusively from the informal sector
- Access to financial service is a hindrance to the economic development of Nepal and major contributor of poverty.
- BFIs focuses are concentrated on urban and semi-urban market centers and yet to reach remote areas.
In context of Nepal there are basically Three type of barrier to the financial inclusion.
- Demand Side Barrier
- 23.6 % of population lives below poverty line hence low involvement of people in economic activities and savings are insufficient. Hence demand of financial services are low.
- Lack of proper security to pledge for credit facility, lack of investment skill and investment environment.
- Financial service requires some literacy to use its product and service, but Nepal suffers with illiteracy, hence people feel uncomfortable with formalities to avail financial services.
- Monetization is very poor among the rural population in Nepal, hence demand for financial service is low among those population.
- Lack of people's confidence towards financial system.
- Supply Side Barrier
- BFIs do not prefer to expand their branches in rural areas showing lack of monetization and lack of businessas the prime reason.
- Dispersed population and geographical location discourage BFIs to expand their branches (Cost of Fund higher than the return/profit)
- Nominal interest on deposit, high interest on credit and costly service charges distract people from taking financial services.
- Weak institutional capacity and lack of adoption of sophisticated technology by the Micro-finance do not allow them for expanding and extending their services to the remote areas.
- Policy Level Barrier
- Policies are not designed/formulated from the supplier side; hence they are not motivated to reach to the remote.
- Government or Central bank do not provide subsidy or similar grants to design products and services to the rural population.
- Supervision and monitoring policies are not dedicated enough towards extending financial services among poor and remote segments of the society.
Possible ways to overcome the barriers of Financial Inclusion in Nepal.
- Provide proper motivation to the financial service provider to reach to the rural population.
- Providing financial literacy: Financial literacy and financial inclusion goes hand in hand, hence effective financial literacy program helps to overcome the barrier of financial inclusion.
- Reduce burden of poverty: To generate need of financial services people must be engaged in the economic activities, hence it is necessary to enhance their capability to generate income.
- Providing add-ins to the credit facility: Only providing credit is not sufficient to the vulnerable groups; various other facilities like trainings, marketing skills, financial consultant services are necessary for the sustainable financial inclusion.
- One size fits all solution won't work in our country due to diversified socio-economic condition of the country. Hence, multiangled efforts are required.
- Strengthening the resilience of the banking system is required to win confidence of the general people to the financial system.
- Conducting better market research to identify potential financial service clients is necessary.
- Digital innovation: Use of digital financial technology like ATM, Mobile Banking, SMS Banking, Branchless Banking etc. are essential for financial services at lower cost and nearest proximity. Better adoption of the IT and network infrastructure will enhance financial inclusion program.
- Partnership between Bank & Microfinance and Microfinance and Saving and Credit Cooperative will support Financial Inclusion in Nepal.
- Financial service should be accompanied by the micro-insurance along with robust regulatory and supervisory framework.
Financial Inclusion in Nepal to be focused on :
- Financial inclusion in Nepal should focus towards conducting Financial Survey,
- creation of systematic client profile,
- reaching the unreached or unbanked one,
- linking client with non-financial service providers,
- mainstreaming the operation of financial cooperatives, capacity development of Financial Service Providers,
- innovation of new product and service development and diversification,
- Promoting the use of technology,
- developing and targeting the product and services to the low-income groups by treating it as both business opportunity growth and CSR in order to promote Financial Inclusion.
Indicators of Financial Inclusion
|Number of Branches and Deposit account
|Number of Loan account
|Number of Branchless banking centers
|Number of Branchless banking customer. Number of non-operated Branchless banking centers
|Number of mobile banking customers Number of Internet Banking Customers
|Number of ATMs umber of Debit-Credit-and Prepaid Cards
Financial inclusion has been identified as an enabler for 7 of the 17 Sustainable Development Goals. Likewise, G20 has also committed to advance financial inclusion worldwide. As, financial inclusion is a key enabler to reduce extreme poverty and boost shared prosperity, Nepal has also recognized the role of financial inclusion in overall economic development. As one of the major pillars of Financial Sector Development Strategy financial inclusion can be powerful agent for strong and inclusive growth. Nepal has various hinderances to achieve financial inclusion goal, hence development in the sector of Information Technology(IT) strongly supports the growth and inclusiveness of the banking sector and facilitate the inclusive economic growth. The technological intervention helps to overcome barriers such as distance of branch, location of customer, availability of information and literacy of the customer thereby making it feasible for BFIs to penetrate the large un-served market at low cost. Also, Financial inclusion policy should be made suitable as per federal structure and dedication and commitment from all the stakeholders as well as political stability is required in order to make financial inclusion effective and successful in Nepal.


text:
Oscar hails Mourinho impact at Chelsea
Chelsea midfielder Oscar has hailed manager Jose Mourinho; claiming he is one of world football's finest coaches.
The 21-year-old has impressed during the Blues' unbeaten start to the season, scoring in the opening day win against Hull City and collecting the Man of the Match award in the process.
The Seleção international, who joined from Internacional last summer, has already worked under three different managers since arriving in the Premier League, but the Brazilian has hailed the impact of Mourinho on the club, reports Sky Sports.
"It's been great to work with Jose Mourinho. He is one of the best coaches in the world," he told reporters.
"We have seen he has already had a lot of success at Chelsea and I am just really happy to have the opportunity to work with him.
"You can already see the influence he has had on us during the first few games and I hope the team will be able to continue to grow under him, as I will also be able to grow as a player.
"As early as pre-season we could see the belief with which he works."
Chelsea have started the season well, collecting seven points from a possible nine, which Oscar believes Mourinho deserves credit for.
"We could see the confidence he has with us as players but also the confidence in his own work. It is clear to us that he is a great coach," he said.
"I feel a lot more confident this year and I am sure that I am going to score a lot more goals. I am ambitious for this season and I am happy with the way things are going for me at the moment.
"We have started well and I want to make sure that this is a big year, a year in which Chelsea win titles."