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Your friends are fundraising. Don't miss out, opt in.
Our award-winning charity helps improve the lives of over 18,500 older people across Britain every day. As the only care provider to offer connected care and support through specialist care homes, retirement living and vibrant community groups, our organisation is a leading light in later life care.
MHA Registered charity number 1083995
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text:
Four players, two coaches and a trainer from Harbor College may face disciplinary action as a result of scuffles during a community college football game at Bakersfield College last Saturday.
Harbor officials would not discuss details of the investigation, pending completion of a report expected today. But according to witnesses at the 47-10 loss to fifth-rated Bakersfield:
- Defensive line coach Daryl Henderson challenged Harbor lineman Kevin Johnson to a fist fight on the Seahawk sidelines.
- Three players were ejected from the game for fighting. One was thrown out for an illegal hit.
- Offensive line coach Jim True was involved in a heated shoving incident with trainer David Lew as Lew attempted to help an injured player on the field of play.
"I have requested a written report of the incidents," said Harbor President Jim Heinselman. "It is possible that disciplinary action could take place depending on (what the report says.)"
In the first quarter of the game against fifth-ranked Bakersfield, Harbor (1-3) was penalized 15 yards for unsportsmanlike conduct when Henderson went on the field to protest an official's call. Henderson then walked behind the Seahawk bench and threw his hat, striking a cheerleader in the leg. Later, according to two sources, who asked not to be identified, Henderson became involved in a shouting match with Johnson. According to a source, Henderson threatened Johnson with his fists and Johnson motioned Henderson to hit him. A scuffle occurred and they were separated by Harbor players.
The shoving match between True and Lew broke out as Lew attempted to treat injured offensive tackle John Taotoai. According to witnesses, True shoved Lew as Lew knelt over the injured player, and Lew retaliated by shoving back. The pair continued to exchange words on the field, according to Bakersfield Coach Carl Bowser.
On Tuesday, Coach Chris Ferragamo did not mention the incidents during an interview with a reporter. About the players ejected, he said: "Four players were kicked out at the end of the game. They were pushing and shoving in the last two minutes . . . . I don't know what was going on. . . . I think what happened is that maybe we were getting the short end of the stick. They (the officials) only threw our guys out of the game. They didn't get any of their guys out of the game."
Officials at Bakersfield said that one Renegade player was also thrown out in the melee that occurred in the final minutes.
On Wednesday morning, Seahawk Athletic Director Jim O'Brien initially said he would not comment on the events. When pressed, O'Brien acknowledged: "We are taking disciplinary action but it's in-house right now . . . . We're not going to make it public."
In a follow-up interview Wednesday afternoon, O'Brien denied all of the events took place.
A late hit by a Harbor player on the Bakersfield kicker, which resulted in the Harbor player being ejected, has been aired on a Bakersfield television station as part of a local football highlight show.
"We were kind of shocked about everything that happened," said Bowser. "I think what was happening is that they were frustrated. They played darn well in the second quarter and they thought they could (come back and win in the second half)."

subset: commoncrawl


text: Don't Forget!! The nomination period for the Public Safety Officer Medal of Valor closes July 31, 2019. To learn more about this award, please join BJA for a webinar on Monday July 22, 2019, from 1-2 p.m. ET. This comprehensive webinar will detail requirements, eligibility, and other critical information to guide you through the nomination process to honor federal, state, local, and tribal public safety officers for the Medal of Valor.


text:
ASEAN-AU-NZ 10th Anniversary of AANZFTA Ministerial Statement
ASEAN-AU-NZ 10th Anniversary of AANZFTA Ministerial Statement
ASEAN-AU-NZ 10th Anniversary of AANZFTA Ministerial Statement
We, the Trade Ministers of ASEAN, Australia and New Zealand today welcome the significant contribution the ASEAN-Australia-New Zealand Free Trade Area (AANZFTA) has made to promoting regional economic integration and the prosperity of our peoples since it was signed 10 years ago.
AANZFTA was a visionary and precedent-setting agreement, which has delivered tangible benefits to businesses and consumers in each of our countries since it entered into force in 2010. Trade and investment among the 12 parties has increased following entry into force of the Agreement, with intra-goods exports increasing by nearly 50 per cent and inwards investment flows increasing by more than 180 per cent.
AANZFTA contributed to this growth by delivering extensive reduction or elimination of tariffs, and establishing regional rules of origin providing opportunities to tap into regional supply chains. AANZFTA also incorporated rules and commitments to provide greater certainty for service suppliers and investors and a platform for continued economic integration with ASEAN.
We agree that the AANZFTA needs to remain responsive to the needs of businesses. The First Protocol to Amend the AANZFTA addressed the practical issues raised by businesses. We have now begun the work to upgrade the Agreement. This upgrade will ensure that the AANZFTA remains a modern and ambitious agreement that will benefit businesses and consumers across the region, by continuing to open markets in some of the world's fastest growing economies.
We recognise the crucial role that the AANZFTA Economic Cooperation Support Program (AECSP) has played in supporting Parties in implementing their AANZFTA commitments. The AECSP has had broader benefits, assisting Parties to improve domestic regulatory processes, and supporting ASEAN economic integration. The program has achieved significant outcomes, including stronger competition laws and policies and intellectual property protection in ASEAN Member States. We hereby reaffirm our commitment to ongoing economic cooperation in support of AANZFTA.
As we mark the first decade of the AANZFTA, it is timely to recall that AANZFTA's rules and commitments are built on the foundation for all regional and bilateral trade agreements, and the WTO Agreement.
Accordingly, we reaffirm our support for the rules-based multilateral trading system, which underpins our region's economic growth and sustainable development.
As a group of economies of diverse sizes and levels of development, we recognize that the WTO, including its dispute settlement system, has enduring value for all Members. We therefore underline that a concerted effort and engagement by all Members is important to strengthening and reforming the WTO and to ensure its continued relevance and ability to address changing patterns of trade.
Reflecting the importance we attach to the WTO, we commit to work collectively to urgently resolve the Appellate Body impasse and make progress in the on-going negotiations, including updating WTO rules. We want to ensure that our views are reflected in the WTO reform discussions in a balanced manner to enable the WTO to meet the needs of all its Members, and achieve its trade and development objectives.
Download Document Click Here ⇓
ASEAN-AU-NZ 10th Anniversary of AANZFTA Ministerial Statement


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Sister Cathy Campbell
Even a brief scan of daily headlines describing how immigrants are being treated at the Southern borders of the U.S. can cause a person of faith to cringe and cry out: "What can I do?"Read more
Interculturality – What is it? Why has it become a notion central to many conversations in the Providence community? Why is it key as we continue to evolve as religious in the 21st Century?Read more
A volunteer Sister of Providence companion is embedded with each group of students. The course takes students on tours of the Church of the Immaculate Conception, the Blessed Sacrament Chapel, the Shrine of Saint Mother Theodore Guerin and more.Read more
After visiting with Sister Marceline Mattingly, age 102, Jolyssa Cortez wrote: "I asked her in what year she was born and she said, '1915.' I think that is amazing because she lived through so much history in her life. She said the most amazing part of the history she lived was seeing the technology industry grow. After my visit, I felt like a whole new person."Read more
Today the biggest need is treating problems of addiction and their impact on individuals and the family systems of which they are a part. One hundred percent of the referrals that we are receiving for services for families are linked to the need for addiction recovery, especially from opioids and heroin.Read more
"Firing up hope" is how one correspondent describes what the prayer ministries of the Sisters of Providence mean to him as he daily faces the uncertainties of life without a steady job to earn money to feed his family. "We have truly tasted the painful side of life. Yet, I have not lost hope for a better tomorrow."Read more
Provident God, dispelling darkness with the gift of a new dawn, fuel me with sensitivity and wisdom to break boundaries and create hope …Read more
"I am very grateful to those who contribute to the Ministry Fund and make it possible for me to be in this place to minister," Sister Maureen said.Read more
Trustee Alice Shelton said the retreat was very important. "The public tends to view Saint Mary-of-the-Woods College and the Sisters of Providence as being very close together."Read more
According to the two sisters, "the mission of Miracle Place is to offer hospitality, care, and concern. It is a place of spiritual refreshment where all who come may find refuge. Where all who are severely tried may be comforted. Where all who are lonely may find companionship. And where those without hope may find a renewed spirit."Read more
Sister Mary Cecilia Bailey reflected on Saint Mother Theodore's style of leadership in a letter sent May 16, 1856: "She blended the tenderness of a Mother with the firmness of a Superior so perfectly that her government was most happy and effectual . . . "Read more
'I truly felt I was standing on the shores of history'Read more
Sister Cathy Campbell, SP, is a freelance writer and editor. She holds a Doctor of Ministry degree in Spirituality from Catholic Theological Union/Chicago. Sister Cathy also ministers as a retreat facilitator for the Providence Spirituality and Conference Center with special interests in scripture and the mystics.


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Sir Arthur Ignatius Conan Doyle, (22 May 1859 – 7 July 1930) was a British writer best known for his detective fiction featuring the character Sherlock Holmes. Originally a physician, in 1887 he published A Study in Scarlet, the first novel about Holmes and Dr. Watson. He also later became a spiritualist mystic. He died of a heart attack at the age of 71. His last words were directed toward his wife: "You are wonderful." (Wikipedia)
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MY BLOG IS BACK. I wrote about my full-time RV life, my time-travel excursions to other centuries, and whatever else came to hand, for a decade. Took 2017 off from blogging completely. OK, vacation's over. New crafts. New states colored in on the map. Retired. Sold the big motorhome. Traveling light and lean (for me ;) ) in a minivan. Still changing yards regularly. So hello - listen to some music, read some adventures. ~ Gypsy Jane
Sunday, October 22, 2006
No, I didn't overparty last weekend - I don't even drink - but I did see a pink elephant during my travels this week. When I stopped to visit, I found he had friends.
The elephant and his buddies were up in Stafford, VA. I was also in Spotsylvania, where I found the Civil War Soldier's Life Museum. The most unusual thing I saw there was the two bullets which met in mid-air and were permanently fused together.
They had an excellent display of firearms from the period - caplock rifles, pistols, and accoutrements.
Hi-tech (for the time) artillery.
Ordinary items of daily soldier life - cards, eating utensils, pictures, shaving stuff.
3 comments:
- Anonymous5:17 AM
Was the black horse still there with the pink elephant? [full size painted wonder that he was!] That place has been there forever and so has that elephant! heehee..my kids always wanted one or the other...uh, no!ReplyDelete
right next to Stafford Airport...yep!
Oh, I wish! That would have been neat to see.ReplyDelete
I'm glad you're enjoying the blog - and glad you wrote to tell me :)
Gypsy Jane
Hi...I hope you see this...I am the anonymous that wrote about the pink elephant above [Skippymom]...and I am so glad you are still blogging....ReplyDelete
You are my fav' RVing blog! honest....
I am glad to see all is well...I will go back and post something in June 07, in hopes you get it.
Stay safe, happy and well...
Sorry about the word verification, but I've had a lot of spam lately. It's all by "Anonymous" so "Anonymous" can't post any more. All comments to this blog are moderated. If you post spam it will do you no good. Comments from my actual readers are welcome and appreciated.


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WEST BURLINGTON - The NIACC volleyball team went 1-1 at the Jimmy John's Invitational on Saturday on the Southeastern CC campus.
NIACC topped the St. Ambrose Junior Varsity 3-2 (25-10, 25-17, 23-25, 22-25, 15-12) and dropped a 3-0 decision to Marshalltown CC (26-24, 25-19, 25-14).
"This weekend we had a difficult schedule to play, long matches, and good opponents to face," NIACC coach Chris Brandt said. "Tournaments are are supposed to push teams and we learned a lot about who we are right now and who we want to be.
"We are excited to have a couple of days to rest our bodies and fortunate to get back in the gym Tuesday to prepare for conference play on Wednesday's home match against DMACC."
On Saturday, NIACC was led by sophomore Kennedy Meister with 24 kills and 34 digs. Freshman Becca Steffen had 44 assists, 13 kills, 13 digs and four ace serves.
Also, Tessa Sienknecht had 16 assists, four ace serves and nine digs; Megan Hollander had six kills and four blocks; Kayla Lentz had five ace serves and 28 digs; Shelby Heston collected 11 kills, three ace serves, 21 digs and 8 blocks; Alexa Loftus had 13 kills and 12 digs; and Braylee Wood had six blocks.
NIACC opens its home season at 7 p.m. Wednesday against DMACC in an ICCAC contest.
NIACC 3, Kishwaukee College 0
NIACC 3, Madison College 1
NIACC 3, Oakton CC 1
NIACC 3, Grand Rapids CC 2
Kansas City (Kan.) CC 3, NIACC 1
NIACC 3, Graceland University JV 1
NIACC 3, St. Ambrouse JV 2
Marshalltown 3, NIACC 0


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Customer Success Story: Playtech
Monitoring distributed systems is not a trivial task. There are many non-obvious obstacles in your way and there are many solutions for performing various different monitoring tasks. In this webinar, Alex Tavgen, Technical Architect at Playtech, will share what their analysis of successful and not-so-successful monitoring projects showed them, and last but not least — why they decided to build "Yet Another Alert System" using InfluxDB, Alerta and Grafana.
InfluxDays London Talk Read Blog: Never Fail Twice Read Case Study


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Vice's Noisey Critiques Christian Rap After Filming 'I Saw the Light'A sea of dimly lit candles surrounded a borderline uncomfortable Eric Sundermann as Pastor Harry Thomas Jr. led a crowd of tens of thousands in prayer. Though maybe not visibly moved, Eric's insides were twisting a bit at what he once had and what he left behind. Sundermann was at this year's Creation Festival, and as the spirit of God ...
Album Listening Session: Viktory – R4 vol.2Pre-order now on iTunes or Amazon. Album releases tomorrow June 10th! Tracklisting with credits: 1. I Am R4 (produced by JLuv Beats) 2. You Still Heard Me ft. Andrea Brown (produced by Black Knight) 3. Glory To The Beast ft. ZG (produced by Geeda) 4. One Eight 0 (produced by Dirty Rice) 5. Drop It ft. Canon (produced by Geeda) ...
Viktory Reveals TrackListing for R4 Vol. 2Viktory's upcoming album 'R4 Volume 2' is set to release June 10th. Check out the tracklisting with all the features & production credits below. 1. I Am R4 (produced by JLuv Beats) 2. You Still Heard Me ft. Andrea Brown (produced by Black Knight) 3. Glory To The Beast ft. ZG (produced by Geeda) 4. One Eight 0 (produced by ...
Alert312 – JaimeJaime is the third single from ALERT312's full length LP, "Of Vice & Virtue". Boogalu reflects on the Christ-like- servant- leader posture of his father Jaime and how it has molded him as a father today. Buy 'Of Vice & Virtue' on iTunes or Amazon
Now In Stores – January 29 2013Da' T.R.U.T.H. 'Love, Hope, War' Purchase on iTunes or AmazonMP3 Alert312 'Of Vice & Virtue' Purchase on iTunes or AmazonMP3 Andy Mineo "Ayo!" Purchase on iTunes | Listen
Alert312 'Of Vice & Virtue' Cover, Release Date & Tracklisting RevealedWe reported news of a full length album entitled 'Of Vice & Virtue' coming soon from the Humble Beast signed group Alert312 a few months ago. The artwork, release date, and tracklisting has now been revealed for this upcoming project. The album is set to release January 29, 2013. Tracklist: 1. Vice Versa 2. The Villain vs. The Virtue 3. ...
Alert Announce New Album & Name Change
One third of the Beautiful Eulogy crew (Odd Thomas) spilled the beans about the possibility of an upcoming release from the record label's resident hip hop band, Alert. The 4 piece, Chicago based band will release their debut full length record 'Of Vice and Virtue' in late January 2013.
Word to James – Memories of Vice Vrsa
"My name is Vice Versa, I'm just a young man of God, a father, husband…" I heard him say. "My intentions are to preach the gospel through the vehicle of music to the saved and unsaved, that's where the name Vice Vrsa originates, to be able to do it on both spectrums."
James Lilly ...
Viktory Upgrades The R4 EP to LP Album – Adds Json, J.R. and Braille
The R4 EP has been upgraded to a full-length album packed with guest appearances from a myriad of Christian Hip Hop veterans. See the guests appearing on the album after the jump.
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Heyyyyy ya'll! Finally, I am getting back to my first love, which is writing. Writing allows me to verbalize my feelings and is very therapeutic. Allowing me to creatively express my ideas about various topics and opinions about things that are going on in society today. With that being said, over the past couple of months I've had the opportunity to experience some creative blocks and some other life events but hey, things happen, God is still in control and I am still alive and breathing.
During my time of going through certain circumstances, I've had the pleasure of learning important lessons about myself such as things that I will and will not tolerate. In the dictionary, we call this non-negotiables—which situations are non-budge when it comes to looking for a potential partner and/or friends! Yes, even in my late twenties, I am still looking to meet new friends, I am a firm believer that you can constantly learn from people whom God places in your path. Hence why it is very important to establish a list of solid characteristics of what you are seeking for in a person you choose to have in your life for any duration of time. Now don't get me wrong the term non-negotiables can be applied to every situation in life!
In this particular season of life, the year of 2019, the valuable lessons that I've learned thus far: (1) God's timing is everything (2) wait and (3) there are reasons and seasons for everyone in your life but it's solely up to you to understand the magnitude of this! With the later lesson I've learned this far, it has been imperative for me to re-evaluate non-negotiables so that the same lessons that I am learning won't continue to be a cycle for me! I know I am not the only one who is tired of the endless cycle of meeting someone, being cool/forming a bond, hanging out consistently, forming a title, plateau, communication becomes inconsistent, hanging out becomes nonexistent, and the friendship/relationship comes to a halt. Again, this cycle can also be applied to any facet in life, find an interest, enjoy the interest, do the activity consistently, make it a niche, plateau, your excitement for this interest becomes inconsistent, doing the activity becomes nonexistent, and the interest for the activity comes to a halt. I'm a firm believer that God continues to give you lessons repeatedly until YOU LEARN! My mission is to break cycles that truly serve me no purpose what so ever, to get to where I need and want to be😊
Identifying and clarifying each year, what are the non-negotiables that I will filter through in every aspect of life? Career? Spare-time? Platonic relationships? Intimate relationships? And everything in between?
It's so easy for people to say that, in terms of a career, "As long as the money is right, I'll take it". Well if it causes your mental health to be at stake, your life is on the line or detrimental to missing the most important life events for your family, is this career/job truly worth it?
It's so easy for people to say, in terms of their spare-time, "My time is my time and I'll do whatever I please." Why yes, that's a very true statement, however, is what you do in your spare-time fulfilling? Is it assisting with helping you become closer to your goal? Is it helping your mental health?
It's so easy for people to say, in terms of platonic relationships, "Hell, I haven't talked to her/him in months but whenever we do get to hang out again, it's all love." And yes, this too is also true, however, you don't and you'll probably never know what your friends are going through. Do you check on your friends at least once a week? No, I'm not referring to see if they've posted on social media but I'm talking about calling them, texting them or even FaceTime. Well, only if they're not the type where you have to book an appointment refer to options one and two. Do you know if your friends are going through any life-changing events? Does your friend have any events coming up that you would need to attend? To have friends, you must understand how to be a friend for yourself! Trust me, I understand that WE ALL GO THROUGH THINGS IN LIFE however if we're able to get on social media, we should also be quick to pick up the phone for a couple of minutes to catch up to those who mean the world to us.
Last but not least, we get so caught up with wanting the title of being involved with someone on an intimate level and dating exclusively, however, we don't know the first thing about being a genuine, honest, RESPECTABLE human being, in terms of intimate relationships. A couple of my favorite quotes I love to hear from couples are, "As long as we speak before we go to sleep, we're good. We don't need to check in on each other all day every day." "I don't need to tell him/her that, that's my business." "We don't have to hang out all the time". Whew! I kind of went off on a tangent with this last one but I am being completely transparent about my opinions on certain things. Trust me, what works for you and your significant other is great but it may not work for the next couple. However, when you enter a relationship, you're entering something so special, so significant and lastly, something to be honored between the two of you. Communication, comprehension, trust, honesty, respect, dedication, perseverance, strength, discernment, and accountability are key components to a vital relationship. Can you have an uncomfortable conversation with your partner without it getting heated? Can you be completely transparent with your partner and I do mean TRANSPARENT? Like what they're telling you might make you mad, cry or whatever but they're being completely honest because they trust you=a safe place. Is your partner your best friend, like hanging out with your partner is equivalent to hanging out with your homeboy/homegirl? Do you feel as if you're the only one putting in the hard work in your relationship? Manipulated much?
When it comes to certain situations in your life, you need to re-evaluate from time to time your career, extracurricular activities, platonic relationships, and intimate relationships. Find the value in things that serve a purpose for you and your growth, remove yourself from people and things that don't aid to your growth and development. At the end of the day, you're the only person who has your best interest at heart. Go hard for you!


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Whether twin, queen or king, pillowtop or firm, a comfortable mattress is essential to a good night's rest. Ask questions about buying and taking care of a mattress here.
Asked in Credit and Debit Cards, Credit, Beds, Mattresses
Can you stop payment on debit card for bad service was told my mattress was there made me wait 2 12 hours before it came from another store when told it was there before I signed papers?
if your still in the store yes, call the bank and request a stop payment if the store is unwilling to void the transaction. For the future, insist on a written 30 day free return for any mattress you buy. Unless your banking with Bank of America than forget it they will say wait 7 days and put it under investigation then do nothing and charge you a fee. Happened to me when i found the company was a fraud, even will all my documents during their "investigation" they say they could find no wrong. If you left with the mattress then you would have to get the return amt from the store.
Asked in Law & Legal Issues, Mattresses
Why is it illegal to sell used mattress in Florida?
Asked in Law & Legal Issues, Beds, Mattresses
Is it legal to sell used mattress in MD?
Asked in Consumer Electronics, Beds, Mattresses
You have two Sleep Number beds with two separate remotes but both remotes control both beds how can you separate them so that they only control one bed?
. I'm Stephanie and I work for Select Comfort's online Customer Service team. I am very sorry for the issue you are having and would love to help you. If your beds are over 2 years old, you will want to do the following steps: Unplug both of the base units. Plug in one of the base units. [You must complete the following initialization process within 60 seconds of plugging unit in.] a). Use the remote that goes with the base that is plugged in. b). simultaneously press both the firmer and softer buttons on the right side of remote. The display will count down from 10 to 1, then " -- " will appear, then "C1" will appear. c). Release both buttons when the "C1" appears. d). While C1 is displayed, again simultaneously press both the softer and firmer buttons. "1C" will appear. e). Release the buttons and the proper sleep number will be displayed. f). Allow the remote to go blank. Unplug the base unit that you just initialized and go through the same process with the second base and remote. Allow the second remote to go blank. Plug the first base in. Now each base will only respond to its specific remote. Note: If you attempt this sequence a second time immediately following the first without unplugging the unit, you may cause an E0. If you see an E0, simply allow the remote to go blank, then you should be able to use the remote with no issues. If you still experience issues, unplug the unit, wait 20 seconds, then follow the sequence for initialization once again. If your beds are newer than 2 years, please contact Customer Service at 1-888-411-2270 and we will help you troubleshoot. Thank you for choosing the Sleep Number bed.
Asked in Home & Garden, Interior Design, Beds, Mattresses
What are the measurements of a full size bed?
Asked in Cleaning, Beds, Mattresses
How do you clean an urine from a inflatable mattress?
Asked in Interior Design, Beds, Mattresses
How many people can sleep on a king size bed?
When we are planing for buying a mattress, the most important consideration is personal comfort . Spring well have been designed the luxury branded mattresses thats provides the pressure relief, comfort and support exactly where our body needs it.Spring well luxury Comfortable mattresses provides us superior comfortability and deeply relaxing,regenerating night's sleep. Springwell helps for finding the perfect bed . its also available if you want to purchases the king size bed for superbly spacious space.
Asked in Interior Design, Beds, Mattresses
Will a Twin XL comforter fit on a Queen size bed?
Asked in Beds, Mattresses
Can American mattresses fit in a German bed frame?
Maybe. European mattress sizes are different from US sizes, in a way that's not trivial to explain. In terms of length, most European mattresses are longer than the US standard sizes (while being slightly shorter than US "XL" sizes), but the width can be either more or less depending on the specific mattress size you're talking about Many bed frames are designed in such a way that it's possible to use a somewhat smaller mattress as long as you don't mind a bit of extra space around the edges. Also, a lot of frames make an allowance for thick bedclothes, and you may be able to get away with a (slightly) larger mattress than it was technically intended for. However, it's probably not going to be possible to use a US "King" mattress in a German "King" frame, since the US version is about 5 inches wider than its German counterpart. You'll need to get the actual dimensions for the frame/mattress and compare.
Asked in Before Birth of Baby, Beds, Mattresses
Is the John Lewis cot bed mattress the same as The Little Green Sheep mattress they look identical but the John Lewis organic cot bed mattress is much more expensive?
I had this same question and someone at John Lewis told me they were indeed the exact same mattress manufactured at the same place but the only difference is the John Lewis organic cot bed mattress is just branded differently - and is much more expensive! If I were you I'd go for The Little Green Sheep mattress as it also comes with a 5 year guarantee etc. PS: They're great mattresses wherever you get it from!
Asked in Interior Design, Beds, Mattresses
How do you disassemble queen size sofa bed?
Asked in Interior Design, Beds, Mattresses
Can queen sheets fit a Full XL?
Asked in Beds, Mattresses
Why does our standard metal Queen bed frame squeak?
Asked in Beds, Mattresses
How much does a king sized latex mattress weigh?
Asked in Beds, Idioms, Cliches, and Slang, Mattresses
What does the phrase just tie the mattress to your back mean?
Asked in Beds, Mattresses
What is the best king bed frame for your money?
Asked in Beds, Mattresses, The Difference Between
What is the difference between a king size bed and a queen size bed?
Asked in Interior Design, Beds, Mattresses
What are the dimensions of a king size bed?
Asked in Beds, Mattresses
How do you make your mattress smell better?
If i were you I would like spray it with febreze or perfume or calogne. Wash the surface with vinegar and water using a clean rag. Do not soak it. Allow the mattress to air. For the future, invest in a good mattress pad that can be washed. This will protect the bed from absorbing sweat and other fluids.
Asked in Mattresses
Why can't you remove the tag on your bed?
You, as a consumer, can remove the label if you wish. This is a common misconception about the labels on mattresses. There are laws regarding the removal of manufacturer labels and tags from most products, but they apply to retailers (stores), and hotels, not to you as a consumer. There are a couple of things to keep in mind before removing that label, however. If your mattress has a warranty, even just a satisfaction warranty, the warranty will become null and void if you remove the label. Or, if your mattress is a loaner or home trial mattress, and you remove it's label, you just bought it, like it or not (The reason being that the retailer cannot reloan or resell a mattress with no label).
Asked in Interior Design, Beds, Mattresses
Can two people fit in a KING SINGLE bed comfortably?
Asked in Beds, Mattresses
What is the difference between a full and a queen size bed?
Asked in Hotel Chains, Mattresses
What mattress is used by holiday inn express?
The Beautyrest, Classic "Capital Peak" Plush mattress. Slept amazing and have been researching mattresses for several years now. In my opinion, the Holiday Inn Express and Marriott's have the best mattresses for the best nights sleep. It's time for me to make that most important purchase. My bones need it!


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Cover Story: Banking Circle
A collaborative financial ecosystem can break down barriers to SME success
Every company was once a start-up, an SME, a financial unknown and high-risk investment opportunity. For some, growth has taken many decades of prudent business decisions and gradual expansion. Think, for example about Johnson & Johnson, started in the 1880s, selling the first ready-to-use surgical dressings, and expanded steadily into new markets, boosted over the years by company acquisitions and partnerships as well as post-WWII demand for better surgical solutions and pharmaceutical medicines.
However, in the much faster paced markets of the last few decades, the ability to grow has gained a much greater sense of urgency. And to support that fast paced growth, investment is needed from the outset. For some enterprises, this might come from family and friends, and then from forward-thinking venture capitalists. But for others, if early cash injections cannot be secured they could well become one of the high proportions of start-ups that fail within their first four years of trading.
Whilst slow-and-steady growth can work for some companies, as it did for Johnson & Johnson, in today's instant, connected, global market, speed is critical to get ahead, deliver innovative solutions at the right time and to remain competitive. The problem is financial solutions do not always serve SMEs well and, post-recession, banks are less able to lend to smaller, seemingly higher-risk businesses. This often leaves them unable to build or deliver their solutions and meet their potential ahead of the competition. SMEs are becoming increasingly financially excluded.
There are more than 24 million SMEs in Europe, making up more than 99% of the region's businesses, and accounting for two thirds of employment. As such, SMEs represent a significant opportunity, and their collapse would cause significant damage to the economy.
Banking Circle recently commissioned Magna Carta Communications to carry out independent research into financial inclusion for SMEs, to uncover the views and experiences of businesses, fintechs and banks today. It also identifies the opportunities that exist for those organisations supporting the sector – banks, PSPs, fintechs and other financial services institutions. The research confirmed that there is no one single reason why firms are excluded from financial services, therefore it's hard to identify a one-size-fits-all solution to creating financial inclusion.
From vicious circle to virtuous circle
With Europe's SMEs covering every industry, with varying business models, distribution and ambitions, no two firms are alike. This creates a barrier to providing effective and viable financial solutions at scale – neither existing corporate banking nor retail-focused offerings are suitable, so SMEs are left out in the cold.
Speaking to MagnaCarta, Ivo Gueorguiev, Chairman of Paynetics, an infrastructure payments provider to fintechs and smaller players, commented: "[SMEs are] dispersed, there's no data available on them, and therefore it's expensive to reach out to them. For this reason, they're either underserved or the products they are being offered are offshoots from products developed for corporates and thus often unsuitable."
Without access to suitable solutions, SMEs find themselves facing high prices and other barriers to entry which are stunting growth and limiting the appeal of SMEs to prospective lenders – it is a vicious circle of self-reinforcing inaccessibility.
Thankfully, digital innovation and Europe-wide regulation are putting pressure on financial services providers for greater collaboration to build bridges. This will help transform the current vicious circles into virtuous circles of provision, availability and use, creating a mutually supportive ecosystem in which SMEs can thrive.
Value of financial inclusion
At policy-level, the EU recognises the importance of financial inclusion, and has brought in programmes to help deliver better access to SME finance. Financial inclusion has a positive effect on many areas of a business as well as the wider economy. For example, it enables more sustainable and efficient business growth, skills development, job creation and innovation in product and service development.
SMEs with access to suitable financial solutions are also increasing internationalisation and exports and supporting the diversification and resilience of the wider economy. In turn this improves social integration and community cohesion. The importance, significance and impact of financial inclusion should not, therefore, be underestimated.
Improving financial access to improve financial inclusion
The European Commission's flagship report, the Survey on the Access to Finance of Enterprises (SAFE), paints a relatively rosy picture of financial access for euro-area SMEs. On average, businesses taking part in the survey ranked access to finance in the lowest position on the scale of major business challenges.
The proportion of firms claiming access to finance was their major challenge has halved since SAFE was first conducted in 2009, and SMEs' ability to access bank lending has improved every year between 2012 and 2017. The EIB's Investment Survey shows that bank loans account for almost 70% of external SME funding, and approval rates for bank loans have increased steadily since 2014.
There has also been a slight but notable upward trend in both the need for and availability of bank loans and credit lines. However, the European Parliament is still cautious. Despite progress in the availability of loans, guarantees and venture capital, it says that the financial markets often fail to provide SMEs with the financing they need, and access to finance is still the second-largest problem faced by individual SMEs.
According to SAFE, bank lending alone is not meeting the needs or requirements of almost half of Europe's small businesses. While SMEs report improvements in access to finance and interest rates have fallen, charges, fees and commissions remain high, and overall SMEs report increases in collateral requirements.
Lending alone doesn't solve financial exclusion
Much of the existing information available on SME financial inclusion has a very narrow focus on lending and credit. But, just as consumer financial inclusion doesn't just describe an individual's ability to take out a bank loan, SME financial inclusion is not just about lending. This narrow view ignores business-critical access to bank accounts, payment services and foreign transfers, as well as issues caused by slow merchant account opening, and the lack of support for essentials such as accounts payable.
Alex Park, Director of Digital at UK challenger bank, Metro Bank, believes smaller firms are suffering due to established banks focusing primarily on retail and larger commercial customers. He commented: "SMEs are being underserved … For example, you can open a bank account in less than a day, as a consumer, but it still takes 15-20 days to open a SME account."
Patty Zuidhoek, Director of Business Banking at the Dutch Triodos Bank, which focuses on sustainable and ethical banking, agrees: "The European Central Bank wants us all to stretch further and further in gatekeeping - in other words, to be stricter and lower risk. All these checks and balances can be discouraging, and a lot of large banks withdrew from SMEs because they want to take a standardised approach which doesn't work in this sector."
Ivo Gueorguiev of Paynetics, says that because SMEs are notoriously hard to reach they are rarely a major part of a bank or financial institution's strategy. Payment products are therefore usually priced-up with the obvious cost implications: "There are very few value-added products available: usually products for SMEs are the very basic banking or payment services. That hinders the SMEs' ability to offer more attractive products to their clients, improve their efficiency, increase profitability and ultimately, reinvest in the business."
Faster cash, not more cash
During the research, a recurring issue was raised by the interviewees: speed. Speed of decisions, speed of settlement, speed of delivering funds. David Selves, entrepreneur and owner of the Selves Group of Companies, explained: "The main difference between banks in the past and now is that banks don't know their customers or their businesses in the same way. It takes too long for them to make decisions such as for business loans. Three to five banking days for card payments is still the norm, which causes considerable issues for many small businesses who need to restock rapidly."
Michael Ault, CEO of Universal Transaction Processing agrees: "One of the most common complaints we hear from SMEs is the time it takes to get funded. They've already been through an arduous process to get a merchant services account, and then it takes days to get their funds. In today's tech-enabled world, they want faster processing within an hour of taking a transaction."
Kent Vorland, CEO of the SmartTrade App, which has created a platform for micro-businesses and sole traders, is clear that "… small businesses – especially micro-businesses – have specific requirements. We've seen consumer products try to attract SMEs, but they are not agile enough and have little knowledge of small businesses. On the other hand, the big boys have complicated functionalities, but nothing optimised for small merchants who often don't have software knowledge and skills needed."
Technology and ecosystem collaboration
Less than half of EU states have so far established a one-stop-shop to support SMEs in accessing funds, strongly suggesting that a broad and effective ecosystem for SMEs is still a way off.
Roger Vincent, Chief Innovation Officer at Trade Ledger recognises the lack of interoperability and collaboration in the financial services sector. He believes "… this has essentially resulted in an explosion of new commercialised 'islands of digital innovation', created by financial service companies each vying for the custom of SMEs by holding them captive in their 'spheres of influence'. Technology is a major catalyst for change in the financial services sector, and I would certainly say that it's starting to have an impact on how SMEs are serviced by their banks."
The challenge is to make sure that technology is also a catalyst that can kick-start greater collaboration. In the UK, arguably one of the most advanced markets for financial technology, two in five small businesses regularly experience technological problems when accessing accounts online. As a result, nearly half said they would move to a non-bank provider – providing their banking needs could be met in new and innovative ways.
Where next?
There is a growing commitment to improving access to commercial banking, transaction services and lending for SMEs across Europe. There are plenty of ambitious, but still underserved, businesses with specific needs that could be met by an open, joined-up ecosystem. There are plenty of potential providers of innovative 'point' solutions. But there remains a lack of connection between the two, apart from individual, often ad hoc series of collaborations. The bigger picture of a connected ecosystem – a circle of trust – is often obscured by a virtual tidal wave of statistics, audits and promotions.
However, financial inclusion based on digital technologies is not an isolated process: it must take place within a broader narrative – one that connects banking solutions to technology to communications and collaboration strategies, as well as to analytics. And even to wider society.
To move forward, all ecosystem participants must continue the conversation with each other, to build collaborative models and solutions that can fit this diverse and disparate market. If they can, it will help build a larger marketplace from which providers old and new can benefit. Rather than relying on top-down directives from state institutions, this needs to be a circular, grass-roots movement, led by participants, who can find solutions from the bottom-up.
Leading the rise of a super-correspondent banking network, Banking Circle is helping financial institutions increase financial inclusion by providing their customers with faster, cheaper banking solutions, including banking accounts, local and cross border payments and lending, without the need to build their own infrastructure and correspondent banking partner network.
The full report, Financial Inclusion for Europe's SMEs: Building a circle of trust, will be launched at Money20/20 Europe. Click here to register for a copy, available from 3rd June 2019.
Co-Founder and Chief Executive Officer of Banking Circle, Anders la Cour is a hands-on leader driving innovation to facilitate more inclusive, efficient and cost-effective banking, lending, payments and FX. He was also instrumental in arranging the $300 million acquisition of Banking Circle by EQT VIII and EQT Ventures in 2018.
About Banking Circle
Next-generation provider of mission-critical banking infrastructure, Banking Circle, is underpinning the service proposition of Financial Tech businesses, PSPs, FX providers and banks. Banking Circle is increasing financial inclusion, helping financial institutions provide their customers with faster and cheaper banking solutions, including local and cross border payments, banking accounts and lending.


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After the longest activation in its history, the Hurricane Watch Net (HWN) secured operations for Hurricane Matthew on October 9 at 0400 UTC. HWN Manager Bobby Graves, KB5HAV, reports the net was in continuous operation for 6 days, 7 hours, gathering real-time ground-truth weather data and passing it along to the National Hurricane Center (NHC) via the Center's WX4NHC. Various Amateur Radio Emergency Service (ARES) nets also activated along the Eastern Seaboard over the past week. The first major hurricane of the 2016 Atlantic hurricane season and, at one point, a Category 5 storm, Matthew has been downgraded to a post-tropical cyclone, as it's poised to head out into the Atlantic.
Read more: http://bit.ly/2ec1WBX