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We are specialists in the collection and recovery online of overdue debts in the commercial and consumer marketplace, the supply of commercial credit reports, and online credit management systems.
The company was established in 1999 with the management having many years of financial experience and development of the small, medium and large business.
The Directors through their experience in the development of credit management systems to UK businesses foresaw the need to offer in innovative and competitive delivery system for companies and individuals to ensure debts are successfully recovered at a fixed fee.
Your Debtor pays you direct which ensures a speedy repair to your finances or bottom line.
Over the last few years, we have invested heavily in state of the art technology for our members, who enter their debtor or debtors into our online system and start the recovery the same day. You can monitor and track your debts via your online account and are kept informed by email of our actions and feedback from the debtor.
A full range of commercial credit reports is available covering UK Limited Companies, Partnerships and Sole Traders including comprehensive Director Reports. Also available are European and International reports.
Although our systems are online based we have real people who you can speak with to assist in any way with collections or any of our other product areas.
Anglian Commercial Finance is a trading arm of Nationwide Debt Solutions Ltd who are able to provide a wide range of innovative and competitive financial packages, to protect and grow your business using our individually tailored financial services to suit your particular needs, cost effective and efficient.
Established 1999 Company Number 3895407
Regulated by Financial Conduct Authority Reg. 660085
Full member of ACA Member No 3132540
Full Member CSA Credit Services Association Member No 574
Good Credit Rating
Recovered £millions For Clients Over The Years
85% Success Rate in 28 days
Data Protection Licence No Z5591551
Full Professional Indemnity Insurance
Proven Recovery Model since 2002
On Line 24/7 Access
Trace-ability Via Your Online Account
Emailed Debtor Feed Back And Updates
Commercial Credit Reports On Line
Debtors Pay You Direct
Transparent Operation
Debt Purchase
Paper Less Operation
Your Debtor Contacted Same Day
Easy To Use / Customer Friendly Online Operation
We Operate In All Business Sectors And Industries
Privacy Policy and Notice
This is the privacy notice of Anglian Commercial Finance In this document, "we" or "us" refers to angliancommercialfinance.co.uk which is a trading arm of Nationwide Debt Solutions Ltd
We are company number 03895407 the United Kingdom. Our registered office is at 45 Shortmead Street, Biggleswade, Bedfordshire SG18 0AT. This is a notice to tell you our policy about all information that we record about you. It covers both information that could identify you and information that could not.
We are extremely concerned to protect your privacy and confidentiality. We understand that all users of our website are quite rightly concerned to know that their data will not be used for any purpose unintended by them, and will not accidentally fall into the hands of a third party. Our policy is both specific and strict. It complies with UK law and with the laws of all jurisdictions of which we are aware. If you think our policy falls short of your expectations or that we are failing to abide by our policy, do please tell us. We regret that if there are one or more points below with which you are not happy, your only recourse is to leave our website immediately. Except as set out below, we do not share, or sell, or disclose to a third party, any personally identifiable information collected at this site.
Here is a list of the information we collect from you, either through our website or because you give it to us in some other way, and why it is necessary to collect it:
1. Basic identification and contact information, such as your name and contact details.
This information is used:
1.1. to provide you with the services which you request;
1.2. for verifying your identity for security purposes;
1.3. for marketing our services and products;
1.4. information which does not identify any individual may be used in a general way by us or third parties, to provide class information, for example, relating to demographics or usage of a particular page or service.
2. Marketplace information
When we obtain information from you specifically to enable you to buy a service offered using our website by some other person, we assume that in giving us your information, you are also giving us permission to pass it to the relevant person.
3. Your domain name and e-mail address are recognised by our servers and the pages that you visit are recorded. We shall not under any circumstances divulge your e-mail address to any person who is not an employee or contractor of ours and who does not need to know, either generally or specifically. This information is used:
3.1. to correspond with you or deal with you as you expect.
3.2. in a collective way not referable to any particular individual, for the purpose of quality control and improvement of our site;
3.3. to send you news about the services to which you have signed up;
3.4. to tell you about other of our services or services of sister web sites.
4. Information you post on our website
The information you send to us by posting to a forum or blog or in your advertisement is stored on our servers. We do not specifically use that information except to allow it to be read, but you will see in our terms and conditions that we reserve a right to use it in any way we decide.
5. Website usage information We may use software embedded on our website (such as JavaScript) to collect information about which pages you view and how you reach them, what you do when you visit a page, the length of time you remain on the page, and how we perform in providing content to you. (We do not presently associate such information with an identifiable person)
6. Financial information relating only to your credit cards
This information is never taken by us either through our website or otherwise. At the point of payment, you are transferred to a secure page on the website of CashFlows or some other reputable payment service provider. That page may be dressed in our "livery", but it is not controlled by us. Our staff and contractors never have access to it.
7. Note on padlock symbols and other trust marks
Many companies offer certification and an icon or other small graphic to prove to site visitors that the site is safe. Some certify to a high level of safety. Others are more concerned to take our money than to provide a useful service. We do not handle information about your credit card so do not subscribe to any such service. However, we suggest you assess this notice to judge that we do take your privacy seriously.
8. Financial information about your standing order or your credit cards
When you have agreed to set up a standing order arrangement, the information you have given to us is passed to our own bank Lloyds Bank Plc for processing according to our instructions.
9. We retain your credit card information securely
We keep your financial information to provide you with a better shopping experience next time you visit us and to prevent fraud. We use Secure Sockets Layer (SSL) certificates to verify our identity to your browser and to encrypt any data you give us when you buy, including financial information such as credit or debit card numbers. Our SSL certificate encryption level is 128-bit/256- bit. Whenever we ask for financial information, you can check that SSL is being used by looking for a closed padlock symbol or another trust mark in your browser URL bar or toolbar.
We take the following measures to protect your financial information:
9.1. We keep your financial information encrypted on our servers.
9.2. We do not keep all your data, so as to prevent the possibility of our duplicating a transaction without a new instruction from you.
9.3. Access to your information is restricted to authorised staff only.
9.4. We automatically delete your information when the card expires.
9.5. If we ask you questions about your financial information, we shall show partial detail the last four digits of the debit or credit card number, only enough to identify the card(s) to which we refer.
10. Credit reference
To assist in combatting fraud, we share information with credit reference agencies so far as it relates to clients or customers who instruct their credit card issuer to cancel payment to us without having first provided an acceptable reason to us and given us the opportunity to refund their money.
11. Business and personal information
This includes all information given to us in the course of your business and ours, such as information you give us in your capacity as our client. We undertake to preserve the confidentiality of the information and of the terms of our relationship. It is not used for any other purpose. We expect you to reciprocate this policy. We keep information which forms part of our business record for a minimum of six years. That is because we may need it in some way to support a claim or defence in court. That is also the period within which our tax collecting authorities may demand to know it.
11.1. to operate our content management system.
11.2. to operate the online notification form – the form that you use to contact us for any reason. This cookie is set on your arrival at our website and deleted when you close your browser.
11.3. to enhance security on our contact form. It is set for use only through the contact form. This cookie is deleted when you close your browser.
12. Sending a message to our support system
When you send a message, we collect the data you have given to us in that message in order to obtain confirmation that you are entitled to receive the information and to provide to you the information you need. We record your request and our reply in order to increase the efficiency of our business/organisation. We do not keep any personally identifiable information associated with your messages, such as your name or email address.
13. Complaining
When we receive a complaint, we record all the information you have given to us. We use that information to resolve your complaint. If your complaint reasonably requires us to contact some other person, we may decide to give to that other person some of the information contained in your complaint. We do this as infrequently as possible, but it is a matter for our sole discretion as to whether we do give information, and, if we do, what that information is.
We may also compile statistics showing information obtained from this source to assess the level of service we provide, but not in a way that could identify you or any other person.
14. Job application and employment
If you send us information in connection with a job application, we may keep it for up to three years in case we decide to contact you at a later date. If we employ you, we collect information about you and your work from time to time throughout the period of your employment. This information will be used only for purposes directly relevant to your employment. After your employment has ended, we will keep your file for six years before destroying or deleting it.
15. Content you provide to us
If you provide information to us with a view to it being read, copied, downloaded or used by other people, we accept no responsibility for what that third party may do with it. It is up to you to satisfy yourself about the privacy level of every person who might see your information. If it is available to all the World, you have no control whatever as to how it is used.
16. Affiliate information
This is information given to us by you in your capacity as an affiliate of us or a customer or client of ours. Such information is retained for business use only. We undertake to preserve the confidentiality of the information and of the terms of our relationship. It is not used for any other purpose. We expect any affiliate to agree to reciprocate this policy. As an exception to this, we have the right to disclose your first name and URL of your affiliate connection to other affiliates and to any other person or organisation, on and off site. The reason is sole to enable us to mention winners and others whose performance as an affiliate is in some way outstanding.
17. Disclosure to Government and their agencies. We are subject to the law like everyone else. We may be required to give information to legal authorities if they so request or if they have the proper authorisation such as a search warrant or court order.
18. At any time you may review or update the personally identifiable information that we hold about you, by contacting us at the address below. To better safeguard your information, we will also take reasonable steps to verify your identity before granting access or making corrections to your information.
19. Sale of your personal information
Except as specified above, we do not rent, sell or otherwise disclose any of your information to any person outside our business.
20. Data may be "processed" outside the UK
Our websites are hosted in the UK. We also use outsourced services in countries outside the EU from time to time in other aspects of our business. Accordingly, data obtained within the UK may be "processed" outside the UK and data obtained in any other country may be processed within or outside that country.
21. Compliance with the law
This confidentiality policy has been compiled so as to comply with the law of every jurisdiction in which we aim to do business. If you think it fails to satisfy the law of your country, we should like to hear from you, but ultimately it is your choice as to whether you wish to use our website.
28. Removal of your information
If you wish us to remove personally identifiable information from our website, you may contact us at angliancommercialfinance.co.uk. To better safeguard your information, we will also take reasonable steps to verify your identity before granting access or making corrections to your information. If you have any question regarding the privacy policy, please contact us through the contact page.
Website terms and conditions: services to business, payment online
Trading terms and conditions of ANGLIAN COMMERCIAL FINANCE
These terms and conditions regulate the business relationship between you and us. By using Our Website in any way, or by buying from us, you agree to be bound by them.
No person under the age of 18 years may purchase Services. We look forward to seeing you again when you are over 18.
We are: Anglian Commercial Finance (A trading division of Nationwide Debt Solutions Ltd)
Our address is Bellingham House, 2 Huntingdon Street, St Neots, Cambs PE19 1BG.
You are: a visitor to Our Website / our customer www.angliancommercialfinance.co.uk
The terms and conditions
1 Definitions
In this agreement:
"Our Website" means the entire computing hardware and software installation that is or supports Our Website.
"Services" means any of the services (Commercial Credit Reports, Director Reports and Debt Recovery) we offer for sale on our Website and include generally available updates and support services so far as specified for each service.
"Content" means any material in any form published on Our Website by us or any third party with our consent.
"Material" means Content of any sort posted by you on Our Website
2 Our contract with you
These terms and conditions apply:
2.1 So far as the context allows, to you as a visitor to Our Website; and
2.2 In any event to you as a client or prospective buyer of our Services.
2.3 We shall accept your order by a signed ACF Agreement. That is when our contract is made. Our welcome letter will also confirm details of your online login and password,.
2.4 Unfortunately, we cannot guarantee that every service advertised on our website is available. If at any time a service becomes unavailable, we will inform you immediately how long the period of unavailability may be for the Services that have been unavailable.
2.5 We may change these terms from time to time. The terms that apply to you are those stated in the Agreement on the day you signed for these Services.
2.6 If in future, you buy Services from us under any arrangement which does not involve your payment via our ACF Agreement; these terms still apply so far as they can be applied.
2.7 If we owe you money (for this or any other reason), we will credit your bank account,credit or debit card as soon as reasonably practicable but in any event no later than 28 days from the date of action.
3 Your account with us
3.1 You agree that you have provided, and will continue to provide accurate, up to date, and complete information about yourself. We need this information to provide you with the Services.
3.2 If you use the website, you are responsible for maintaining the confidentiality of your account and password and for preventing any unauthorised person from using your computer.
3.3 You agree to accept responsibility for all activities that occur under your account or password. You should tell us immediately if you believe some person has accessed your account without your authority and also log in to your account and change your password.
3.4 We reserve the right to refuse you access to Our Website.
4 Price, payment, refund guarantee and service provision
4.1 It is possible that the price may have increased from that accepted in the Agreement. If that happens, we will not provide the Services until you have confirmed that you wish to continue at the new price from a renewal period or one agreed in writing.
4.2 You may not share or allow others to use the Services in your name.
4.3 We will do our best to maintain Our Website so that you have constant use, but there will be times when your use may be interrupted. Interruption to the Services for reasonable periods for maintenance or causes beyond our control is not a ground for repayment of money you have paid. When we are aware of the likelihood of down time, we will tell you in advance.
4.4 Were a number of units had been purchased in bulk those not used in a 12 month period of the Agreement they will cease to be available outside of the Agreement dates.
4.5 We endeavour at all times to achieve for you the highest level of success in our debt recovery service.
6 Dissatisfaction with the Services
6.1 Our most important task is to ensure your absolute satisfaction. We will always strive to reach that target. However, we acknowledge that mistakes are made occasionally. This paragraph covers that possibility. If you are not wholly satisfied with the Services, please tell us at the earliest opportunity:
6.1.1 exactly why you think we have failed;
6.1.2 the date, if relevant, of the failure;
6.1.3 when and how you discovered the failure;
6.1.4 the result of the failure;
6.1.5 your suggestion as to action we should take to resolve the situation and restore your faith in us.
6.2 To do this, it is essential that you contact us by email at the Contact Point on Our Website.
7 Disclaimers
7.1 We or our Content suppliers may make improvements or changes to Our Website, the Content, or to any of the Services, at any time and without advance notice.
7.2 You are advised that Content may include technical inaccuracies or typographical errors. This is inevitable in any large website. We would be grateful if you bring to our immediate attention, any that you find.
7.3 We give no warranty and make no representation, express or implied, as to:
7.3.1 the adequacy or appropriateness of the Services for your purpose.
7.3.2 the truth of any Content on Our Website;
7.3.3 any implied warranty or condition as to merchantability or fitness of the Services for a particular purpose;
7.3.4 compatibility of Our Website with your equipment, software or telecommunications connection.
7.3.5 compliance with any law;
7.3.6 non-infringement of any right.
7.4 Our Website contains links to other Internet websites outside our power and control. You acknowledge and agree that we shall not be liable in any way for the Content of any such linked website, nor for any loss or damage arising from your use of any such website.
7.5 We are not liable in any circumstances for special, indirect or consequential loss or any damages whatsoever resulting from loss of use, loss of data or loss of revenues or profits, whether in an action of contract, negligence or otherwise, arising out of or in connection with your use of Our Website or the purchase of Services.
7.6 In any claim against us our liability is limited to the value of the goods you have purchased in the contract which is the subject of the dispute.
8 Content and Intellectual Property Rights
8.1 We will defend the intellectual property rights in connection with our Services and Our Website, including copyright in the Content whether provided by us or by any other content provider (including copyright in: text, graphics, logos, icons, images, audio clips, digital downloads, data, and software).
8.2 We also claim copyright in the designs and compilation of all Content of Our Website. Title, ownership rights, and shall remain the sole property of us and / or the other content provider. We will strongly protect those rights in all countries.
8.3 Except as set out below, you may not copy, modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, display, or in any way exploit any of the Content, in whole or in part.
8.4 You may not use our name or logos or trademarks or any other Content on any website of yours or that of any other person.
8.5 Subject to the other terms of this agreement, you may download or copy Content only for your own personal use, provided that you maintain all copyright and other notices contained in it. You may not store electronically any significant portion of any Content.
9 Your email address
9.1 You represent that any username or email address selected by you, when used alone or combined with a second or third level domain name, does not interfere with the rights of any third party and has not been selected for any unlawful purpose.
9.2 You acknowledge and agree that if we believe such selection does interfere with the rights of any third party or is being selected for any unlawful purpose, we may immediately suspend the use of such name or email address, and you will indemnify us for any claim or demand that arises out of your selection.
9.3 You acknowledge and agree that we shall not be liable to you in the event that we are ordered or required by a court or judicial authority, to desist from using or permitting the use of a particular domain name as part of a name or email address.
10 Your Material
10.1 If you post any Material in Our Website, you warrant that you own the copyright in it and you accept all risk and responsibility for it. You grant to us the right to edit, copy, publish, distribute, translate and otherwise use it in any medium and for any purpose.
10.2 You agree that if you do post any Material on Our Website, in doing so, you grant to us a non-exclusive, irrevocable, royalty-free, right in perpetuity to use that Material in any way whatever, throughout the World in any medium. You agree to waive your right to be identified as the author and your right to object to derogatory treatment of your Material.
10.3 You agree to perform all further acts necessary to perfect any of the above rights granted by you to us, including the execution of deeds and documents, at our request.
10.4 You represent and warrant that:
10.4.1 you own the rights to all of the Material that you post;
10.4.2 any fact stated in your Material is accurate;
11 System Security
11.1 You agree that you will not, and will not allow any other person to violate or attempt to violate any aspect of the security of Our Website.
11.2 You may not use any software tool for the purpose of extracting data from our website.
11.3 You understand that any such violation is unlawful in many jurisdictions and that any contravention of law may result in criminal prosecution.
12 Acceptable use Policy
As a condition of your use of Our Website, you agree to comply with these provisions:
12.1 You will not use or allow anyone else to use the Web Site to post or otherwise publish:
12.1.1 copyright works;
12.1.2 commercial audio, video or music files;
12.1.3 any Material which violates the law of any established jurisdiction;
12.1.4 unlicensed software;
12.1.5 software which assists in or promotes: emulators, phishing, hacking, password cracking, IP spoofing;
12.1.6 links to any of the material specified in this paragraph;
12.1.7 pornographic Material;
12.1.8 any Material promoting discrimination or animosity to any person on grounds of gender, race or colour.
12.2 You will not use the Services for spamming. Spamming includes, but is not limited to:
12.2.1 the bulk sending of unsolicited messages, or the sending of unsolicited emails which provoke complaints from recipients;
12.2.2 the sending of junk mail;
12.2.3 the use of distribution lists that include people who have not given specific permission to be included in such distribution process;
12.2.4 excessive and repeated posting off-topic messages to newsgroups;
12.2.5 excessive and repeated cross-posting;
12.2.6 email harassment of another internet user, including but not limited to, transmitting any threatening, libellous or obscene material, or material of any nature which could be deemed to be offensive;
12.2.7 the emailing of age inappropriate communications or content to anyone under the age of 18.
13 Indemnity
You agree to indemnify us against any claim or demand, including reasonable lawyers' fees, made by any third party due to or arising in any way out of your use of Our Web Site, your posting any Material, or the infringement by you, or by any other person using your computer, of any intellectual property or other right of any person.
14 Miscellaneous provisions
14.1 When we communicate with you we do so by email. You agree that email communications are contractually binding in the same way as properly signed and dated paper sent by post.
14.2 Where we provide goods or services without specific charge to you, then it (or they) is deemed to be provided free of charge, and not to be associated with any other goods or service for which a charge is made. Accordingly, there is no contractual nor other obligation upon us in respect of those goods or service.
14.3 Nothing in this agreement or on Our Website shall confer on any third party any benefit under the provisions of the Contracts (Rights of Third Parties) Act 1999.
14.4 If any of these terms is at any time held by any jurisdiction to be void, invalid or unenforceable, then it shall be treated as changed or reduced, only to the extent minimally necessary to bring it within the laws of that jurisdiction and to prevent it from being void and it shall be binding in that changed or reduced form. Subject to that, each provision shall be interpreted as severable and shall not in any way affect any other of these terms.
14.5 No waiver by us, in exercising any right, power or provision in this agreement shall operate as a waiver of any other right or of that same right at a future time; nor shall any delay in exercise of any power or right be interpreted as a waiver.
14.6 In the event of a dispute arising out of or in connection with these terms or any contract between you and us, then you agree to attempt to settle the dispute by engaging in good faith with us in a process of mediation before commencing arbitration or litigation.
14.7 We are not liable for any breach of our obligations resulting from causes beyond our reasonable control including strikes of our own employees.
14.8 This Agreement shall be governed by and construed in accordance with the law of England. This agreement shall not be governed by the United Nations Convention on Contracts for the International Sale of Goods, the application of which is hereby expressly excluded.
|EMPLOYERS UNCERTAINTY IN ECONOMY Employers are losing confidence in the economy as Britain remains mired in political uncertainty, a survey suggests. A growing number of businesses are operating at capacity and hiring intentions remain stable, yet optimism about the countrys economic prospects has fallen to the lowest level since mid 2016, the Recruitment and Employment Confederation said in its monthly report. The body represents more than 3,500 recruitment businesses and over 10,500 individual recruiters in the public and private sectors..In its survey of about 600 recruiters, a net balance of -34% said that they were optimistic about the economy.
CHRISTMAS BOOST FOR RETAILERS Retail sales appear to have held firm this month amid signs of optimism on the high street as stores gear up for Christmas. According to the CBI, sales volumes have been broadly unchanged in November, with a net balance of -3% of respondents reporting increases sales over the year, the highest figure for seven months and better than the -10% forecast by analysts.
BUSINESS ACTIVITY FALLS The economy is on course to shrink in the final quarter of the year, after a closely watched survey indicated that business activity has fallen in November at its fastest rate in three years. Both service and manufacturing sectors have contracted as concerns about Brexit. and election uncertainty hurt demand, according to the new flash purchasing managers index from IHS Markit and Chartered Institute of Procurement and Supply. The flash PMIs are based on about 85% of the responses usually received when the final readings are published two weeks later.City economists had been expecting a composite reading of 50, but the figure has come in at 48.5, the lowest reading since July 2016.
HOUSING BUILDING Housing supply in England increased last year at a higher rate than at any time in more than 30 years. There were 241,130 homes added to the countrys housing stock, of which 214,000 were new build properties. It is the highest number of new homes in a year since 1987.
JOBLESS FIGURES Jobless figures fell 23,000 to 1.3 million in the three months to September, reducing the unemployment rate to 3.8%. However, the number of new hires fell at this fastest in four years. The number in work fell by 58,000 to 32.7 million in the quarter.
CONSUMER CONFIDENCE Britons are losing confidence in the economy and are growing increasingly pessimistic about the state of their personal finances, offering a clear sign that political upheaval is damaging consumer confidence. The GFK consumer confidence index fell from -12 to -14 in October and has been stuck in negative territory since March 2016, during the run up to the European Union referendum. Household spending accounts for almost two thirds of national output, so caution here can be a precursor to a slowdown in national growth.
INSOLVENCIES The number of PEOPLE entering insolvency in England and Wales between July and September rose to its highest level for a decade. There were 30,879 personal insolvencies in the third quarter, up more than 22% on the same period last year and the highest third quarter number since 2010. COMPANY insolvencies rose for the third consecutive quarter to 4,355, up 1.6% on the same period last year and the highest since 2014.
CAR MANUFACTURING The number of cars built in Britain fell again in September as a slowdown in global demand and political uncertainty held the industry back.Car production shrank by 3.8% year on year to 122,256 according to the Society of Motor Manufacturers and Traders. Output has been in decline since last June as manufacturers battle falling demand for diesel vehicles and a slowdown in the vital Chinese market. Uncertainty surrounding Brexit also has contributed to lower investment in factories,while spending on planning for a no deal Brexit, estimated to be £500 million, has deprived cash from essential investment in new products and facilities.
BRITAIN IN TOP TEN Britain has retained its place in the worlds top ten markets to do business as the government prepares companies at home and abroad for Brexit Britain edged one position higher in the overall rankings, from ninth to eighth, overtaking Norway.
MANUFACTURERS BRACE FOR COLLAPSE IN EXPORTS Factories expect their exports to collapse next year as pessimism grips the manufacturing sector. Confidence among manufacturers about exports has fallen more steeply than at any time sine 2001, according to an industrial trends survey for the three months to October. Jobs fell at the rate since 2010 and investment intentions were at their most negative since the financial crisis.
RETAIL SALES WOE Retails sales stagnated last month in a sign that consumers are growing more cautious about spending before Brexit according to official figures.Sales volumes were flat in September after falling unexpectedly in August.In July large discounts had lured online shoppers, which helped to lift the quarterly, the Office for National Statistics said. However Septembers flat performance after a dip in August suggests that consumers may have become more cautious as the UKs departure looms and uncertainties Have risen
ONLINE SALES FALL Retail sales unexpectedly fell in August after consumers reined in spending having splashed out for Amazons annual Prime Day promotion the previous month, according to official figures. The drop will raise new concerns about the fragility of consumer confidence. Sales had risen 0.4% in July and economists had expected them to be flat in August.
CASH FALLS BEHIND CREDIT CARDS Credit card payments have overtaken cash in British shops for the first time.Notes and coins were only the third most popular form of payment last year, the British Retail Consortium has said. Only £1 in every £5 spent over the counter was made in cash. Debit cards have remained the most popular payment method, amounting to more than half of all payments.
WAGES RISE Wages are rising at their fastest pace in more than a decade and unemployment rate has fallen to a record low. Annual growth in average weekly earnings, including bonuses, was 4% in the three months to July, up from 3.8% in the same period last year, the Office for National Statistics said. This was the fastest growth since 2008 and higher than the 3.7% forecast by economists. After adjusting for inflation, wages rose by 2.1%, breaking the 2% barrier for the first time in four years.


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Brand AllhqFashion owns high quality, wear-forever styles and the latest trends shoes, which can show women's characteristics of fashion and elegance. We're committed to providing each customer with high standard of customer service and hope your shopping experience with us is a pleasant one.
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subset: commoncrawl


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Interviews with our current Guardian Soulmates subscribers
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Have you heard of the IRS dance video? How about the Star Trek parody?
If you haven't, watch the clips below. They're stirring up quite a bit of team building program controversy.
Listen to one of our all start facilitators, Jackie Tamas, as she's asked to use the IRS firestorm as a catalyst for discussing how technology trends are having a negative impact on team work, what makes effective team building and finding common ground amongst your team "without being cheesy."
One of Jackie's team building program tips? "Don't ask someone to do something that you wouldn't be willing to do yourself."
IRS Dance Video
IRS Star Trek Parody
What are YOU willing to do for your team building program?
Building Team Cohesion with Haka Works
Haka is the dance of the Maori people of New Zealand, and its new way to build cohesion in professional teams. It's a powerful ancient posture dance that engages the body, face, voice and a collective team spirit.
Put the Power of Play to Work For Your Team
How the Power of Play Influences Success at Work Many people are working longer and harder, thinking that this will solve the problem of an ever-increasing workload. The repercussion; they are still falling behind, becoming chronically overwhelmed, burning out, and becoming disengaged.
What Is Employee Engagement?
Employee engagement is the emotional commitment an employee has to the organization and its goals. Engaged employees care about their work, they use discretionary effort to accomplishing work as a team and their performance is of higher quality.
4 Reasons Good Leaders Encourage Creativity
Encouraging creativity is important. The prevailing opinion is that creativity in the workplace is a good thing. Most experts will agree on this. However, sometimes it does feel a little impractical. When faced with a huge list of repetitive daily tasks for yourself and your team to accomplish, it can be hard to remember why encouraging creativity is important.
Craft The Perfect Team | Top 10 TeamBonding Events
Announcing TeamBonding's Top 10 Events of 2019 🏆 Offering 100+ unique team building events, we deliver our unmatched team building expertise anywhere in the world! Our goal is to improve communication, productivity, and create a positive company culture through employee engagement.
How to Organize a Successful Corporate Team Building Event
One of the most crucial factors in the success of your business is how well your team works together. Corporate team building can be an effective and transformative strategy for helping business executives and their employees to feel more invested in their careers and each other.
Get to Know Your Team | 5 Team Building Activities for Work
Know each other as people, not just professionals. We're all so much more than our job titles. We have interests that may have drawn each of us to our roles and help us excel within them. There are easy team building icebreaker activities for work that will help you and your team bond and get to know each other as more than just your role in the office. (more…)
Global Travel: Inspiring Team Development
After this year's exciting new partnership with Catalyst, (A Global Team Building Network) our Regional Manager, Sam Goldstein flew off ✈ to Bucarest, Romania to attend the 2019 Catalyst Conference! With a passion for innovation, planning and delivering the best team building events, Sam was able to share her trip with us through pictures and conversation. The Catalyst Conference gathered Catalyst leaders from across the globe to share new programs, ideas, success stories, and have fun!
Who Took My Sandwich | Tips to Avoid Workplace Annoyances
There are little things that people do that can cause us to scream in our heads – "Oh My God, Oh My God, Oh My God, will you stop PLEASE!" – but the annoyances are usually so trivial that no one ever really shares their frustration out loud…at least not until it's too late to sound rational. (more…)
Office Halloween Party Survival Guide
Ghosts and Witches and Zombies, OH MY! How are you going to survive your office Halloween party?
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Here are some of our recent criminal and traffic cases. Names have been omitted for confidentiality reasons.
Assault Occasioning Actual Bodily Harm Charge and AVO Dropped
Our client is a 53 year old man who lives in a unit complex in Western Sydney. He had been having trouble with a neighbour for some time due to that person regularly conducting parties during which loud music was... read more
Assault Occasioning Actual Bodily Harm Charge and AVO Thrown Out of Court
Our client is a 48-year old man who lives in the Eastern suburbs of Sydney. He was charged with assault occasioning actual bodily harm after an argument with his wife of 15 years escalated to a physical altercation at their... read more
Not Guilty of Assault, Stalk/Intimidate, Damage Property, AVO and Costs Ordered Against Police
Our client is a 26 year old man who had been in a relationship with his female his ex-partner for over two years. Police alleged the pair were seated in the backseat of the complainant's car when they began arguing... read more
Not Guilty of Assault Occasioning Actual Bodily Harm
Our client is a 29-year-old unemployed woman who was already on bail for assault offences. It was alleged that she became involved in a heated dispute with a female neighbour at her apartment complex in Western Sydney. The neighbour alleged... read more
No Criminal Conviction Recorded for Assault Occasioning Actual Bodily Harm
Our client is a 20-year-old professional from the United Kingdom on a working visa who was sharing a unit in Sydney City. He was drinking at a city bar with his flatmates when he observed a man attempting to steal... read more
No Criminal Record in the Downing Centre for Assault Occasioning Actual Bodily Harm
Our client is a 34 year old school teacher in Sydney's Northern Suburbs. On a Sunday, he was playing a social game of basketball when he took exception to being heavily fouled by an opponent. He approached the opponent and... read more
Not Guilty of Assault Charges and AVO after Defended Hearing in Downing Centre Court
Our client is a 43 year old chiropractor living in an apartment block in Sydney. It was alleged that on a Sunday morning, two of his neighbours heard loud music coming from the building's parking lot and went down to... read more
Client Avoids Conviction After Assaulting Bus Driver
Our client was charged with 'Assault Occasioning Actual Bodily Harm' after wrestling a bus driver to the ground and then striking him to the stomach, legs and arms causing bruising and abrasions. The incident occurred way back on 8th October... read more
Client avoids Criminal Record after Assaulting a Security Guard
The Magistrate in Downing Centre Local Court was persuaded not to record a criminal conviction against our 29 year old client who punched a security guard several times to the face causing bruising and swelling. Our client and his friend... read more
Client Avoids a Conviction for Assault Occasioning Actual Bodily Harm
The Magistrate in Downing Centre Local Court granted a 'Section 10' (no conviction) to our 24 year-old female client after she assaulted her female flatmate who had allegedly been flirtatious towards her boyfriend. The incident occurred after our client returned... read more
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Getting yourself prepared for the unforeseen emergency events is always a much better option than having to find a way to survive at the last minute, especially when you are living in an area that is prone to natural disaster. Yes, disasters are unpredictable – earthquake, for instance. Even with the incredibly advanced technology we have nowadays, scientists still cannot find a way to predict when earthquake is going to happen. The only thing they can do is monitor the seismic activity and while they can see the sudden peak of activity and tremors during the process, there is not enough time left for them to inform the public at large – let alone evacuate them. Earthquake kit is really important to prepare. While not all of us are living in an area that is common to experience disaster like earthquake, it is still necessary since us never known when and where the disaster will happen.
Due to the unpredictable nature of earthquake, emergency preparedness is not only necessary, but also important. Not only is our ability to get ourselves prepared in the event of emergency a great way to protect ourselves and our family members from the unpredictable, it is also crucial to ensure our survival after being hit by the earthquake. And what better way to ensure our emergency preparedness than having our own emergency survival kit?
Yes, having an earthquake survival kit containing all of the supplies we need can make all the difference. While we can easily buy the survival kit from the Red Cross and other stores, why buy when we can easily gather all of the essentials and supplies needed? This way not only will you be able to tweak what goes into the survival kit, you will also be able to adjust the amount of supplies. Your earthquake survival kit must be sturdy, equipped with the right supplies, maintained on a regular basis and situated in a secure yet accessible location.
Eager to start preparing your own kit but you are intimidated since you have no idea on what supplies you must have in store? Don't worry! Actually, it is really easy to prepare the kit. First of all, make sure that you have something like a backpack that is rarely used in our daily activities. Then, you have to put some stuff and things there that are really important for you to survive during the disaster. So, what are the things needed?
First aid is the most important thing to have. As you know, natural disaster like earthquake may bring so many victims including those with wounds. Well, if you are unlucky, you are probably one of them. So, make sure several things like bandage, cure wound, plaster, and the others are included there. Meanwhile, other drugs to relieve fever, cough, and stomachache must also be provided. Don't forget sanitation kit like soap, toothpaste, toothbrush and their friends. More than that, you must also provide other important things like flashlight, cell-phone along with the battery, and also radio. Those are what you must pack in the earthquake kit. Article about kit for preparing earthquake http://www.whatcausesearthquakes.com/earthquake-preparedness-kit.htm.


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Kurtley Beale says new plan working out for Wallabies
Wallabies star fullback Kurtley Beale has said the Wallabies new found belief in just working hard is paying dividends, after their shock victory over the All Blacks over the weekend.
After a remarkable 47-26 upset over the All-Blacks, Beale told Halftime with James Willis that a six week training camp over the winter allowed the team to just focus on themselves and improve all areas.
"We're just training really hard", Beale told Macquarie Sports Radio.
"We're doing more than ever before in previous years. It has been a really good environment to train in and we understand that we have a responsibility to our fans to put in more performances like that on the weekend.
"I think if we can just concentrate on ourselves and keep working hard on each other and keep growing that belief, then we'll be able to back ourselves against any team in the world."
As the upcoming Rugby World Cup is just over a month away, Beale believes the new structures in place will ensure them a successful campaign.
"With it being a World Cup year there has been new structures and new people in place to enhance the program and to enable us to get the best out of each other. I think that's been very important and Michael Cheika has done a really good job to sustain that," Beale said.
The Wallabies will be looking to record their first Bledisloe Cup win since 2002 when they take on the All-Blacks at Eden Park this Saturday night at 5:30pm.
(Cameron Spencer/Getty Images)
Click 'PLAY' below to hear the full interview below.


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Florida Bird Watching
Bird watching in Florida is a big deal – even bigger than you might imagine. In fact, birding is second only to beach-related activities as a form of outdoor recreation for both visitors and residents.
Osceola Turkey Hunting Tactics. As a rule, Osceola toms don't gobble as much their Eastern kin. And you've got to remember this. When a bird gobbles from deep in a cypress swamp at daybreak, he always sounds farther away than he really is.
Central Florida's subtropical climate is great for bird watching and through our guided bird watching tours you'll experience the rare birds Orlando has to offer. Give us a call 352-589-7899 or feel free to…
Charitable Organizations Jacksonville Fl List of non-profit organizations in Jacksonville, Florida. Following is a list of non-profit organizations operating in the American city of Jacksonville, … There are 333 charitable organizations with assets of over $1 million. The largest share of … Results 1 – 50 of 66 … 76 South Laura Street, Suite 303, Jacksonville, FL, 32202 …
The phoenix is sometimes pictured in ancient and medieval literature and medieval art as endowed with a nimbus, which emphasizes the bird's connection with the Sun. In the oldest images of phoenixes on record these nimbuses often have seven rays, like Helios (the sun Titan of Greek mythology). Pliny the Elder also describes the bird as having a crest of feathers on its head, and Ezekiel the …
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Florida is considered one of the best places in the world for bird watching. Here are five of the top spots for Florida bird watching that you don't want to miss!
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It is the method by which you add personally identifiable pieces of information to a text message that is part of your bulk SMS campaign.
So, instead of simply sending a message like: "Dear clients, we would like to inform you that our summer sales start today!" you send a message like this: "<salutation>", we would like to inform you that our summer sales start today!". What happens with SMS Personalization is that the SMS Marketing Platform will replace the <salutation> with the actual salutation as you have recorded it in your contacts database. So, the first recipient will receive "Dear John, we would like..." the next one will receive "Dear Maria, we would like...", etc.
One word: "Higher Conversion". Ok, two words :-)
Don't you give more attention to anything that starts with your name? It's the same with text messages. In fact, studies have shown that using sms personalisation increases the chance for your message to be read by 66%. More people read your message, more people react to it.
It is very simple to add personalisation to your messages using our SMS platform. You simply click the button Personalize and your messages start using the salutation when sending out your sms campaign.


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The Freya Active Underwire Sports Bra goes the extra mile with a wider curvature underwire and double fabric. The result: optimum shape, support and comfort. This sports bra is suitable for high impact exercise.
- Wider curvature underwire - extreme support
- 2-part, full coverage cup
- Padded straps are adjustable in the back
- Leotard back - prevents lumps and straps from slipping
- Cup sizes D & E: 3-row, 3-column hook-and-eye closure in the back
- Cup sizes F to H: 4-row, 3-column hook-and eye closure in the back
- Fabric content: 69% polyester, 28% nylon, 3% elastane
- Quick-drying, performance fabric
- Care: hand wash, hang to dry
Style: 4002
The Panache Porcelain Elan Moulded T-Shirt Bra was constructed with the full busted woman in mind. It has all the necessary accoutrements to provide you with the essential additional support you need. It features wide set, thick straps, an underwire, and durable, sturdy cups.
- Seamless
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Vietnam recovers 8 bodies from missing search plane
HANOI, Vietnam — Vietnam's military says the bodies of eight crew from a search plane that crashed two weeks ago while looking for a missing fighter jet have been recovered.
The Ministry of Defense said Wednesday that authorities are still searching for the remaining military person from the plane.
READ: Vietnamese search plane missing with 9 people aboard
The ministry said that maritime patrol aircraft's black boxes, which recorded voice in the cabin and flight data, have been recovered and are being analyzed to try to determine the cause of the crash.
The Airbus-manufactured Casa-212 aircraft crashed near Bach Long Vi island in the Gulf of Tonkin on June 16 while searching for a fighter jet that went down two days earlier on a training flight.
The two crashes are the latest in a string of accidents involving the Vietnamese military.
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When F&S fishing editor Joe Cermele and I tested 53 new fishing rods for last year's annual test, I remember thinking, We're never going to do that again. And we didn't. This year, we tested 57. First, we sorted rods into five categories based on target species: bass, catfish, muskie, panfish or trout, and walleye. Then Cermele and I began the arduous task of testing every last one for casting ability, quality of blank and components, sensitivity, and feel and finish. Next we narrowed the rods down to just five finalists per species group, and finally picked the best overall performer and the best value for each. Here are the results.
(a.) G. Loomis GLX
The star of the G. Loomis lineup for decades, the GLX got a makeover this year. It is built from a new featherweight, incredibly sensitive blank and has SiC guides in Fuji Titanium frames. Loomis also added an innovative new reel seat that both Cermele and I found to be comfortable and sharp-looking. The new GLX excelled in every test category, and just edged out the St. Croix Legend Glass for best bass rod of 2017. Bottom line: If you're looking for high-end craftsmanship and top-notch components in an American-made rod, the GLX fits the bill. Buy It Now
(b.) St. Croix Bass X
With so many high-end rods demanding super premium prices these days, it's nice to know you can still get a killer stick for $100—namely, the new St. Croix Bass X. The blank is made of the same premium SCII graphite as the hugely popular St. Croix Premier series. This lightweight rod sports aluminum-oxide guides in black frames and looks sharp with blue-and-silver lettering on the matte black finish. Most important, the Bass X was a standout for casting ability, blank quality, and sensitivity, regardless of price—which made it our clear winner for Best Value. Buy It Now
(c.) Whisker Seeker Chad Ferguson
The new 91⁄2-foot, two-piece heavy casting model in Whisker Seeker's Chad Ferguson Series is an absolute beast. The rod's length coupled with the action of its composite blank helped it crush all comers in the casting category. Its sheer power is impressive; it will heave weights up to 12 ounces and has all the backbone needed to manhandle the biggest blues and flatheads. The 12 low-profile, black titanium-oxide guides are durable and aid in casting distance. As good as it is as a casting rod, this one will excel at bottom bouncing and drift fishing, too. whiskerseeker.com
(d.) Berkley Mud Cat
Any rod at $40 is a steal these days. But a $40 catfish rod that casts like a champ and can truly handle big fish is a real winner—in this case, winner of our Best Value award. Cermele and I agreed that we would use the Mud Cat as our go-to kitty stick in a heartbeat. Even at its very modest price, the Mudcat offers some solid components, including stainless-steel guide frames with aluminum-oxide inserts and a full, rubberized, shrink-wrapped handle. If you're one of the many catfish anglers who prefer fiberglass for casting big chunks of bait, this rod is for you. Buy It Now
(a.) Okuma SCT Musky
Serious muskie anglers have leaned on Okuma rods for years. The new SCT (Spiral Carbon Technology) Musky is the company's finest creation yet. Its quality is obvious the second you pick the rod up and feel the lightweight blank, which somehow exudes power. A carbon spiral helix runs through the length of the rod for added strength and durability. Sensitivity is superb, especially for a muskie stick, and it loads up and casts beautifully. The SCT Musky was also the best-looking rod of the bunch. Buy It Now
(b.) Okuma EVx B-Series Musky
It's a clean sweep for Okuma in the muskie division. Our test rod put up stiff competition against other models costing twice as much, making this a phenomenal value. All rods in the series are built from responsive 24-ton carbon blanks with double-foot, stainless-steel Sea Guide frames. Okuma's blank-reinforcing technology increases tip strength and overall lifting power. All in all, considering you can easily drop $300-plus on a dedicated muskie stick, the EVx B-Series rods are a total steal at $120. okumafishing.com
(c.) Fitzgerald Rods Vursa
Designed for finesse bass fishing, the spinning models of the Vursa series make stellar panfish or trout rods. With a fast tip and moderate taper, our test model cast a 1⁄8-ounce weight beautifully, and was able to transmit even the tiniest signals in our test—a critical asset when targeting smaller species. American Tackle AirWave guides add casting distance and are virtually indestructible. A nicely finished stick, with a comfortable reel seat, the Vursa is well worth its $130 price tag—and then some. fitzgeraldrods.com
(d.) Lew's Wally Marshall Speed Shooter
You are going to either love or hate the Speed Shooter's blue-and-neon-green finish. Cermele and I thought it looked sharp and scored accordingly. Like the Vursa, the Speed Shooter uses American Tackle AirWave guides, whose spiral shape facilitates line flow and helped the Speed Shooter fire a 1⁄8-ounce weight right beside top-of-the-line rods in this category. For $50, the IM8 graphite blank also had very good sensitivity, making the whole package a killer bargain. lews.com
(e.) Dobyns Sierra Series
This maker has become hugely popular among serious bass anglers, but many of its models make phenomenal walleye rods. Our 6-foot 9-inch, medium-light Sierra test rod is one. The whole series features high-modulus graphite blanks, Fuji Alconite guides, Fuji reel seats, and quality cork handles. Our test rod tallied near perfect scores in several categories, including casting, sensitivity, blank quality, and feel and finish. And given what you can pay for high-end walleye rods, the Dobyns Sierra is reasonably priced. Buy It Now
(f.) Lew's Mach Speed Stick
At $80, the Mach Speed Stick is not quite dirt cheap, but its price-to-performance ratio makes it a standout value. With an incredibly lightweight IM6 graphite blank, the rod excelled in our sensitivity test. Cermele and I both gave perfect scores for feel and finish, too; the Winn Grips are a huge plus, providing for a solid, comfortable hold. The Mach Speed Stick also dons the American Tackle AirWave guides for longer casts, which once again translated into a top score in the casting test. Buy It Now
Each of the following test categories was worth up to 20 points, for a maximum total score of 100:
CASTING: For each species category, we matched the rods with the same appropriately sized reel and casting weight. Then Cermele and I took numerous throws with every rod, rating each for how well it loaded up and how far it cast.
COMPONENTS: We carefully inspected the handle material, guides and inserts, reel seats, and wraps and gave each rod a cumulative score for the quality of its hardware.
SENSITIVITY: Cermele and I repeatedly cast and dragged weights across grass, concrete, macadam, and mud to test how well subtle signals were transmitted through the rod.
BLANK QUANTITY: We assessed initial blank quality and overall performance.
FEEL AND FINISH: Taking into consideration weight, grip, and ergonomics, we rated the rods for comfort, and we examined the wraps, handle, reel seat, and overall appearance of each model. —M.M.
Anglers are watching their wallets these days, and manufacturers are responding with quality gear at reasonable prices. Rods like the Okuma EVx B-Series Musky combine quality components and excellent craftsmanship from a trusted name, all without asking anglers to break the bank.
Weight Loss
More and more rods are unimaginably light. Super-high-modulus graphite certainly brings down weight, but manufacturers are finding other ways to shave ounces, including smaller guides, innovative reel seats, and split grips. Take the St. Croix Legend Glass. Fiberglass is a heavy rod material, but with the right components and design, the 7-foot 11-inch model is a mere 5.8 ounces.
While not a new trend, the number of technique-specific rods has never been higher. We have drop-shot rods, jerkbait rods, spinnerbait rods, jigging rods, and more. On one hand, this makes it easy for you to pick the right rod for the job. But don't fall for the idea that you need a different one for every application. A certain drop-shot rod may well fish a Senko to perfection, and vice versa. Many bass rods also make great walleye rods, and most muskie rods are deadly in the hands of any catfish hunter. —M.M.


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An exploration of a very good movie that's also a very uncomfortable viewing experience.
Is The Killing of a Sacred Deer a great film?
Yes, I think it probably is.
Did I enjoy watching it?
I didn't.
Yorgos Lanthimos, the film's director and co-writer, has a glaringly specific style. The Killing of Sacred Deer opens with an extended shot of open heart surgery that, to be fair, could be just as at home in Lars von Trier's hands. But soon it cuts to Colin Farrell and Bill Camp swapping quick deadpan facts about the watches they've bought and are thinking about buying.
And fans of Lanthimos know they're home.
Last year with The Lobster, Lanthimos became known worldwide for the strange, emotionless expression of his characters. It's distinctive, and a little off-putting, and it certainly does not a blockbuster make.
But I loved The Lobster. I also loved his 2009 Greek-language film Dogtooth, which exhibits much the same acting style. So what's different this time around?
It's all down to space — space to recognize, space to move.
And this is a funny thing because both The Lobster and Dogtooth take place in confined areas — whether a resort or a childhood home, the protagonists find themselves in places they're not allowed to leave. In Sacred Deer, Colin Farrell's Steven has complete freedom of mobility, but he becomes ultimately more confined by a ticking clock. And, of course, by his children's literal inability to move.
This causes the panic to set in. Despite his money and power and ostensible freedom of movement, Steven is pinned down first by a dark secret and soon by an impossible choice. The film is pervaded by a constant sense of dread and impending violence.
And what's worse, the space Steven is stuck in is so familiar.
The Lobster is set in a clear dystopia, a blunt judgment on societal pressure made an alternate reality. And Dogtooth takes place in a miniature dystopia, a microcosm of a world a couple makes out of their home, the only place their adult children have ever known. Both films set themselves apart from our own world, and they find joy and even comedy in the differences. Both are, in their own way, profoundly funny.
Not so with Sacred Deer.
Despite everyone's bizarre way of talking, Steven and his family seem to inhabit a world very much like our own. Chores need to be done. Dinners need to be attended. Groundhog Day needs to be watched.
But, as it turns out, Groundhog Day really needs to be watched.
Because, as it's revealed well into the film, Martin (Barry Keoghan) is more than just a very strange teenager. He is, essentially, a god. The title of the film is a direct reference to the Greek myth of Iphigenia, in which Agamemnon inadvertently kills the Goddess Artemis' sacred deer. In retaliation, she demands the sacrifice of his daughter, Iphigenia.
After Steven accidentally kills Martin's father on the operating table, Martin demands constant tribute. When Steven gets uncomfortable and the tribute runs out, Martin demands the sacrifice of one of his family members. It's a story that could take place in our world, with Martin controlling Steven through blackmail or guilt. For a good chunk of the film, we're led to believe that's all it is.
And then Steven's son Bob (Sunny Suljic) loses control of his legs. And refuses to eat. And bleeds from his eyes.
A lot of the joy in Sacred Deer's predecessors comes from the unfamiliarity of their settings. As we learn how dangerous it is to choke if you're single, or listen to Frank Sinatra "translated" into Greek, we laugh at the ways these films' worlds are unlike our own. In Sacred Deer, the unfamiliarity is kept at bay until it comes barreling in with panic and violence and helplessness in the face of an unmovable force.
The back end of the film is pure agony. I somehow felt less anxiety waiting for Steven to choose than I did waiting for Nicole Kidman to fall. And the end is a misery-inducing lesson in futility and arbitrariness.
Does this make a good film? Yes, I think it does. The Killing of a Sacred Deer is a masterpiece of discomfort, an ancient myth finely tuned to an uncaring present. It's wonderfully made.
But I'm never watching it again.


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World of Warcraft Classic launches August 26. To make sure you're prepared, we've pulled together some information to help you get started on your journey through Azeroth.
Q. What is WoW® Classic?
Q. When does WoW Classic launch?
See below for details on the exact time you can log in and experience the origins of World of Warcraft.
Q: Will I need to pay for access to WoW Classic?
Q. Can I use WoW Tokens in WoW Classic?
Q. Will my computer be able to run WoW Classic?
Q: How do I access WoW Classic?
Q. Can I use my current Beta or Test characters from WoW Classic or a character I've played World of Warcraft with before?
Q: How many characters can I create in WoW Classic?
Q. What realms are available?
Q. Will I be able to play all the content that was available in 1.12 when WoW Classic launches?
Q: Will there be Cross Realm Battlegrounds when those go live?
Q: What version of Alterac Valley will be in Classic?
Q. Will there be an Armory for WoW Classic?
Q: I've collected a ton of mounts, pets, titles, toys and transmog gear over the years in World of Warcraft. Can I use them in WoW Classic?
Q: Will my original WoW CE pets be available?
Q: Can I use my World of Warcraft Trading Card Game codes in WoW Classic?
Q. I played WoW back in 1.12 and there are a few things that don't seem quite right. Should I submit a bug report.
Q. How is itemization going to work in WoW Classic?
Have a question we haven't answered? Trying posting it in the WoW Classic Forum and seeing if other players can help you out.
*To align with other regions, the Americas will launch slightly ahead of August 27 in local time.


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FDI expected to be reached by April 2020 ANALYSIS | LIAM TAYLOR – Africa Business Magazine | Oil deposits have sat beneath the shores of Lake Albert, in western Uganda, for millions of years. Since its discovery in 2006, plans to extract the oil, estimated at over 1bn recoverable barrels, …Read More »
Mariam Nampeera Mbowa appointed Tullow Uganda boss
Kampala, Uganda | THE INDEPENDENT | Mariam Nampeera Mbowa, Tullow's Associate General Counsel in Uganda, has been promoted and appointed Country Manager for Tullow Uganda and will assume duties on New Year's Day. Jimmy Mugerwa, currently MD Tullow Uganda has been promoted to become Tullow Group's Corporate Head of Infrastructure …Read More »
Total E&P frustrated but willing to go on with project
On Aug.29, Tullow's proposed sale and purchase agreement stipulating the US$900 million farm down to its JV Partners, Total and CNOOC, was terminated. This news was followed a week later, on Sept. 05, with Total's suspension of technical activities on its pipeline project—the EACOP. Pierre Jessua, the General Manager of …Read More »
Impasse on Ugandan oil short lived – Museveni
Kampala, Uganda | THE INDEPENDENT | President Yoweri Museveni has said that he is in touch with the executives of oil companies and will meet them soon to discuss the current impasse in the sector. Museveni, who was speaking at the 5th Oil and Gas Summit at Serena Hotel in Kampala …Read More »
Uganda's height of folly
How gross absurdities and misguided corruption fears have killed Uganda's oil industry THE LAST WORD | ANDREW M. MWENDA | Uganda has been trying to get oil of out the ground for the last 12 years, having discovered reserves in 2007. Last week Tullow ended its proposed farm-down to CNOOC …Read More »
Museveni cornered on Shs 446 bn oil money
Will he flee or fight oil firms? Kampala, Uganda | RONALD MUSOKE | President Yoweri Museveni's plan to get Shs 446 billion from Uganda's Petroleum Fund to finance part of the budget deficit this year may have been dashed when Tullow Oil refused to cough up Shs 600 billion in …Read More »
Freight and logistics firms prepare to tap into oil opportunities
The firms are investing in staff, information technology and standards Kampala, Uganda | JULIUS BUSINGE | As Uganda slowly moves towards commercial oil production, companies in the freight and logistics sector are preparing their staff, investing heavily in information technology as well as standards to tap into the multi-billion sector. …Read More »
Total E&P to focus on final investment decision negotiations
Kampala, Uganda | THE INDEPENDENT | Oil company Total E&P will now focus on negotiations with government to ensure that the Final Investment Decision (FID) is made. The FID is the point at which everything is in place for a project to go ahead. It's the project execution phase begins and …Read More »
GOVT: Tullow Oil must pay all taxes due
Government, Total respond as Tullow's $900M deal flops Kampala, Uganda | THE INDEPENDENT | Uganda's Energy Ministry has stressed that Tullow must pay Capital Gains tax before it can be allowed to sell part of its stake to Total and CNOOC Uganda. Tullow confirmed earlier Thursday that their Sale and Purchase …Read More »
TOTAL committed to Uganda despite Tullow blow
Paris, France | THE INDEPENDENT | Oil giants Total have re-affirmed their commitment to progressing the development of the Lake Albert oil resources, despite their Sale and Purchase Agreement (SPAs) with Tullow collapsing today. Tullow Oil plc announced earlier that it has been informed that its farm-down to Total and CNOOC will …Read More »


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It is customary for the New Captain to arrive in a "special fashion" for his drive-in. This year was no exception, our New Club Captain Brian Murphy arrived in and ambulance to the tune of "always look on the bright side of life", Brian was supported by friends Dave Bidwell and Pete Rodger, all of…Read more
The New Seniors Captain, Lance Nightingale drives in!
The New Seniors Captain, Lance Nightingale drove in yesterday, a splendid effort from Lance who dispatched his drive 143 yards and 1 foot down the 14th fairway. Congratulations Lance, have a great year.Read more
The Ladies Captain Drives In!
WHGC Ladies Captain, Julia Edwards drove in yesterday, Julia recorded a very respectable drive of 143 yards and 2 feet. Well done Julia have a great year.Read more
The Junior Captain Drives In!
WHGC Junior Captain drove in on Sunday 22 November, Ryan unleashed a drive down the 14th which measured 278 yards, very impressive indeed. Well done Ryan, have a great year.Read more
The New Club Captain for 2015/16 – Brian Murphy
The President, Michael Phillpot chaired the Annual General Meeting which took place in the Keith Haste Suite on Friday 20 November. Brian Murphy was formally elected as the 2015/16 Club Captain with Kevin Brown as the Vice - Captain. The retiring Club Captain, Tim Ingram presented a cheque for £6441.19 to a representative from Prostate…Read more
200 Club Results – November 2015
The November 200 Club draw took place yesterday, the lucky winners are as follows; 1st - No.231 - Brian Murphy 2nd - No.305 - Tim Ingram 3rd - No.301 - Jimmy Knight Thanks to everyone for their support, the next draw will take place on Sunday 13 December 2015 at 2pm ( Christmas Lunch &…Read more
Captain's Prize Presentation is well received
On Sunday 15 November the Captain's Prize Presentation took place in the clubhouse. The main lounge was packed and there was a great atmosphere, Mel provided live singing entertainment across the event, Clay and his team offered up another superb Sunday Lunch and Karen and her bar team keep everyone's thirst quenched. Our thanks go…Read more
David & George win the European Father and Son Event (again)!
We are delighted to inform you that David & George Mills of West Hove GC have made history by winning the Sky Sports European Father & Son Golf Championship in Andalucia, Spain. They are the only team to have ever won the event 3 times ( hugely impressive when you think the event is in…Read more
Our New Ladies' Captain, Julia Edwards drives in . . . .
As tradition dictates, the out-going Ladies' Captain, Sue Gleeson holed out on the 18th green at 2pm on Tuesday 10th November. Julia Edwards the New Ladies' Captain had no trouble knocking back a large Tia Maria before smashing her drive straight down the fairway ( right hand side ) recording a very commendable 92 yards…Read more
200 Club Results – October 2015
The October 200 draw took place in the clubhouse last Sunday, the lucky winners are as follows; 1st - No. 251 - Ged Colwell 2nd - No. 221 - Gary Salt 3rd - No. 296 - Jan Seabrook Thanks to everyone for their support, the next draw will take place on Sunday 22 November at…Read more
Essential Access Road Resurfacing – Bund Project
Essential access road resurfacing – Bund project You will all have noticed that in recent weeks significant development has progressed on the bund ( acoustic barrier ) site. We have now discharged the planning conditions relating to the clubs access road ( Badgers Way ) and are now permitted to recommence the access road works.…Read more
Mike and Angie win the Centenary Mixed Event
The Centenary Mixed Pairs Event took place last Sunday 25th October, the weather was glorious, a perfect autumn afternoon was enjoyed by all participants. Mike and Angie Whitty won the event on countback with a very good score of 59 stableford points ( both players score counts on each hole to form an aggregate ).…Read more
Old Head GC, Ireland Image . . .
With reference to the earlier story regarding Tom Shaw's round at Old Head GC, Ireland - here's an image of the Old Head Lighthouse, what a course!Read more
Tom Shaw plays Old Head, Ireland
After winning the qualifying event at the London Club, Tom Shaw recently went forward to represent West Hove at the The Telegraph/Old Mutual Wealth Golf Challenge, venue Old Head GC, Ireland. Tom played great and had a fantastic experience on what can only be described as one of the most visually stunning / dramatic courses…Read more
WHGC Juniors go through to the semi final . . . .
West Hove's Juniors made it through to the semi finals of the SCGU John Bury Plate with a very good win, at home, against Worthing last Saturday. The match score was 3-1 and we await the semi final draw, well done to all the team and thanks to Junior Organiser Ken Stafford.Read more
The Pro Am – A Great Day!
18 teams took place in the annual West Hove Pro Am on Friday 9 October. The winning professional score was 69, a great score from Jason Partridge, the winning team included West Hove members Grace Shepherd and Angie Whitty ( see photo ). Special thanks go to all the sponsors, the Club Captain and the…Read more
Kevin Palmer Order of Merit Update
As we enter the last 3 months of the Order of Merit we can see that Tom Shaw on 88 points has opened up a healthy 25 point lead over 2nd placed Tim Bickmore on 63. Ben Jordan is currently in 3rd on 58 so it looks like a 3 horse race. It never looks…Read more
200 Club Result – September 2015
The September 200 Club draw took place in the clubhouse last Sunday, the lucky winners are as follows; 1st - No. 245 - Ian Pumphrey 2nd - No. 216 - Tim Bloxham 3rd - No. 282 - David Gillies Thanks to everyone for their support, next draw will take place on Sunday 25th October 2015.Read more
The Vice Captain Elect takes the honours!
West Hove Golf Club, Vice Captain Elect - Kevin Brown not only was part of the All Whites winning team in the George Shepherd Memoral Trophy last Saturday, he also managed to win the competitions individual prize with an impressive 42 points - well done Kevin, nice to see you playing well! Club Captain Tim…Read more
99 golfers take part in George Shepherd Memorial Bowl
On Saturday 26th September 99 golfers ( mostly members ) took part in the annual George Shepherd Memorial Trophy, 11 teams of 9 golfers took to the fairways ( or rough ) with the 6 best scores counting towards the team aggregate total ( full stableford allowance ). A buffet style breakfast was well received,…Read more


text: Your lockout is ~225 pounds higher then your bench? That's pretty strange, and mostly impressive. What was your ROM? If you can move 555 for 3 or 4 inches in your lockout, chances are you could put a bench shirt on right now and break some national records (given your age). Heck, Oleksandr Kutcher benched 518. With the right shirt you could do some crazy numbers.


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Welcome to the 5th Class page.
What a great year it has been so far! We are having a wonderful time in our fabulous classroom and are hard at work! We are working hard in class learning lots of new Irish and Maths. We have written some lovely list poems and Limericks in English and are learning lots of new comprehension skills!
We love Art and have created wool owls, handprint peacocks and collage colour wheels!! In Science we have learned all about Living Things, we made our own model teeth and have been investigating the different types of soil. ! In ICT we have been us MS Word, MS Publisher, researching on the Internet, using our iPads and coding on the Hour of Code.
We're having great fun and exercise on our breaks playing Capture the Flag, Volleyball Tennis and Rock/Paper/Scissors War. We are experienced Play Leaders now and are happy to show 3rd class how to be a good play leader. We have completed our swimming lessons in UL and are looking forward to receiving our PAWS certificates.
Visit us again soon to keep up with our news on Twitter. Slán agus beannacht!


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Manufacturer: Citroën S.A., Groupe PSA Peugeot Citroën, Saint-Ouen – France
Type: 11 BL Traction Avant Légère 11CV
Production time: mid-year 1946 – mid-year 1953
Production outlet: 248,597
Production time: 1934 – 1957 (all TA's)
Production outlet: 759,123 (all TA's)
Engine: 1911cc straight-4 Citroën 116.7 CID OHV
Power: 56 bhp / 3.800 rpm
Torque: 119 Nm / 2.000 rpm
Drivetrain: front wheels
Speed: 117 km/h
Curb weight: 1050 kg
Wheelbase: 121.6 inch
Chassis: arc-welded steel unibody/monocoque
Steering: Gemmer rack and pinion
Gearbox: three-speed manual / II and III synchronized / dashborad/umbrella shift
Clutch: single dry plate disc
Carburettor: Solex 32BPIC or Zenith 32IN
Fuel tank: 45 liter
Electric system: 6 Volts 75 Ah
Ignition system: distributor and coil
Brakes front: Lockheed hydraulic drums
Brakes rear: Lockheed hydraulic drums
Suspension front: independent wishbones, triangle-bar, torsion bars, + hydraulic Spicer-telescopic shock absorbers
Suspension rear: beam axle, Panhard rod, unequal trailing arms, torsion bar, cart-type leaf springs + hydraulic Spicer-telescopic shock absorbers
Rear axle: live
Differential: spiral bevel 3,43:1
Wheels: 16 inch steel discs
Tires: 165 – 400
Options: luggage rack, roof rack, wood and leather trim
– The Traction Avant (French for "front wheel drive") is designed by André Lefèbvre (spiritual father), Jean Daninos and Flaminio Bertoni (final design) and was the first mass produced front wheel drive and fully arc-welded unibody construction car in the world, until 1953 only available in black. The low-slung arrangement also eliminated the need for running boards to step into or out of the vehicle.
– The original plan was to built the TA with an automatic gearbox. The first generation automatic gearboxes had "big troubles" and was nicknamed "Friteuse" ("Fryer"), because it boiled constantly the oil in it.
– Although the ingenious structure dating from 1934, it remained in production until 1957. And not because there was no successor (DS 1955), but simply because there were still too many "fans" of this vehicle.
– They could be delivered as "7CV', 11BL "Légère" (as Sedan, Cabrio and Faux-Cabrio), 11BN "Normale" (as Sedan, Cabrio en Faux-Cabrio), 11BC "Commerciale" (with large tailgate), 11BF "Familiale" (with six side windows and folding chairs ("strapontins"), "Limousine" (without folding chairs), 15/6F, 15/6C (6 cylinder luxury versions) with a trunk or a spare wheel at the back.
– The 7-series is produced until 1939.
– Coupes and Convertibles were only built before WWII.
– During the 23 years of production, the war years included, only a few notable changes to the Traction Avant were applied. The most conspicuous is the modification of July 1952, when the spare wheel disappeared under the trunk instead of the familiar "wheel" back.
– On that occasion the windscreen wipers moved to the bottom of the windshield and bumpers became the straight rather than the graceful "mustaches" of yesteryear.
– Technically only small modifications were made, but never drastic, for instance compression ratio of the engine by improving petrol.
– To the urgent call of many customers to a more robust gearbox with four gears, to a less susceptible driveshafts and a more robust and less complicated front suspension was never given a call by Citroën. They were not interested in improving the TA. Only in developing their models of the future: the 2CV (1948) and the DS (1955).
– The Traction Avants were assembled in Paris (France), in Cologne (Germany), Copenhagen (Denmark), in Vorst (Belgium) and in Slough (United Kingdom, right-hand drive).
– Some prototypes with 22CV (100 bhp) V-8 engines (about 4 liters) were exhibited at the Paris Motor Show in October 1934. Citroën had a dozen of these special cars produced.
– This 22CV, however, never went into production and when Citroën was taken over by Michelin in 1935 (bankrupt), the prototypes had been converted to normal models 11.
– The story / rumor goes that some copies of the 22 still been delivered to customers. Where these cars have been and what happened to it, is one of the great mysteries surrounding the Traction Avant.
Posted by Le Photiste on 2017-01-12 20:34:09
Tagged: , Clay , Citroën S.A., Groupe PSA Peugeot Citroën, Saint-Ouen – France , Citroën 11 BL Légère Traction Avant , cc , Citroën 11 BL Traction Avant Légère 11CV , André Citroën , Jean Daninos , Flaminio Bertoni , French Automobile , French Icon , Artistic Impressions , Beautiful Capture , Creative Impuls , CanonFlickrAward , Digital Creations , Fine Gold , Hairygits Elite , LOVELY FLICKR , Masters Of Creative Photography , Photographic World , SOE , The Best Shot , The Pit Stop Shop , SIMPLY SUPERB , VIGILANT PHOTOGRAPHERS UNITE , VIVID&STRIKING , WOW , Wheels-Anything That Rolls , Your Best Of Today , AR-82-10 , Sidecode-1 , 1952 , Appelscha – Fryslân , Fryslân – The Netherlands , The Netherlands , A photographers view , All types of transport , ANTICANDO!!! , Auto_Focus , BEST PEOPLE'S CHOICE , A feast for my eyes , The Machines , THE LOOK level 1 RED , Blink again , CAZADORES DE IMÁGENES , All kinds of transport , Blood Sweat and Gears , GEARHEADS , GREATPHOTOGRAPHERS , Old cars , Cars cars cars , Digifoto Pro , Django's Master , Damn cool photographers , FAIR PLAY , Friends Forever , InfiniteXposure , IQ – Image Quality , Give me 5 , Living with Multiple Sclerosis (MS) , My friends pictures , PHOTOGRAPHERS , Planet Earth Transport , Planet Earth back in the day , Pro Photo , Slow ride , Showcase Images , Lovely shot , PhotoMix , Saariy'sQualityPictures , Transport of all kinds , The Red Group , Interesting , Ineffable , Fan de Voitures