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OpRisk Asia
Featuring a stellar line-up of industry thought leaders, Operational Risk Asia will reflect the ebb and flow of industry trends and delve deep into everything from next-generation ORM and GRC to adaptive scenario analysis and cyber risk quantification.

 This is the only place where you can network with the most influential players in the APAC op risk community.
Risk.net is delighted to be returning to Singapore for the 14th annual Operational Risk Asia conference on May 28-29 2019! This industry must-attend conference gathers senior operational risk professionals from top-tier banks, buy-side firms and regulators from across Asia-Pacific.
Dr John Lee Hin Hock
Country CEO & CEO
Dr Lee is responsible for the entire spectrum of operations in Maybank Singapore, which is one of the Group's three home markets. He is leading Maybank Singapore to further strengthen its position as a major financial services provider in Singapore.
Dr Lee has accumulated years of knowledge and experience prior to joining Maybank from financial services consulting and advisory, notably in KPMG, as well as in-depth financial industry and risk management expertise specialising in business strategy, Islamic finance and performance management.
Dr Lee served as Maybank Group Chief Risk Officer from January 2011 to November 2017. He was responsible for risk management, including credit and compliance, across the Group.
He was awarded the Bank Risk Manager of the Year 2013 by Asia Risk and the Risk Manager of the Year 2014 by Asian Banker for his contribution to the Group and the industry. He is also active as a leader in the development of talent and standards for the financial services and risk management communities.
Dr Lee holds Bachelor and PhD degrees in Economics from Monash University Australia. He is also a Fellow Certified Practising Accountant of the Australian Society of CPAs and a Chartered Banker of the Asian Institute of Chartered Bankers.
Samir Aksekar
Former Executive Director - Cybersecurity & Technology Controls
Richard Carrick
Regional Head Financial Crime Assurance (APAC)
Richard in his current capacity with Barclays Bank PLC is responsible for Financial Crime 2nd line of defence Assurance ensuring that Barclay's Asian businesses, (Corporate & Investment Banking, Wealth & Investment Banking), are in compliance with FCA and local regulatory requirements and to ensure that Asian business are updated in line with industry's best practices. He is also responsible for the Financial Crime Intelligence Unit in APAC.
Initiatives undertaken include Big Data Analytics, Continuous Control Monitoring and Emerging Risks Scanning.
He has 20 years experience covering a broad range of Compliance based roles for banks and consultancy services across Toronto, New York, London, Frankfurt, Hong Kong and Singapore. Areas covered include Sanctions, AML, KYC, Fraud, Bribery, Corruption advisory, target operating models, data analytics, systems selection, regulatory compliance health checks, and program implementation.
Education includes: BA Psychology (Canada), MBA (UK), Msc Marketing (New York)
Cherie Chan
Group Head, Risk Management Group - Operational Risk
DBS Bank
Cherie leads a regional team of operational risk managers in driving an effective and efficient operational risk management programme in DBS Group. The operational risk team successfully designed and built a Governance Risk & Compliance solution that is used by the three lines of defence in DBS to manage operational risk with unified processes, one common set of risk taxonomy and a central data repository. Prior to this role, Cherie was a regional audit specialist in DBS Group Audit where she led a team to develop predictive analytics on irregularities and risks in bank branches. The initiative won the "Prestigious Engineering Achievement Award" in 2015 from the Institute of Engineers Singapore. Cherie is also a member of the DBS Singapore Country Management Committee which champions the enhancement of staff engagement and well-being.
June Crawford
Head of Singapore Chapter
June is an experienced Risk Manager, having held various leadership roles within large complex financial institutions, across the three lines of defense. She has significant experience in developing and implementing risk frameworks and methodologies. As well as an active professional member of the Institute of Operational Risk, and leads the development of the Singapore Chapter.
Ruth Crossley
Former Executive Director Technology & Cyber Security Operational Risk Management
JPMorgan Chase & Co.
Experienced Risk Management Executive Director with 20+ years' achievement leading enterprise risk management programmes with a focus on financial strategies and regulatory compliance in the Financial Services industry. While Ruth is currently based in Singapore, she has been directly involved in reviews in North America, Europe and across Asia Pacific; this has enbabled her to develop a comprehensive knowledge of country specific Governance requirements. She has track record of building effective Risk Management strategies and Frameworks, facilitating Cyber Security, establishing effective control environments, and developing IT infrastructure and solutions that are both resilient and efficient. Ruth excels at aligning Credit, Market, Strategic and Operational Risk Management processes and technology, based on business expectations and regulatory requirements; and enjoys reengineered processes as part of enterprise risk-management transformation.
Dr Simon Goo
Head of Group Risk Analytics Division, Group Risk Management
Simon leads a multi-disciplinary risk analytics team that oversees enterprise-wide risk management models at United Overseas Bank. The team validates a wide range of risks and measurement models. Those models can be used to assess and manage credit, market and balance sheet risks across the bank's global business.
Prior to joining the bank, Simon held senior corporate positions in technology and finance related companies in areas such as strategic planning, private equity investments and mergers and acquisitions. He has also worked with promising enterprises to assess the potential of their technologies for product commercialization and strategic investment.
Simon holds a PhD in the field of decision control systems from the University of Newcastle- upon-Tyne (UK). He received an IChemE Jubilee prize for his research applying Statistical and Artificial Intelligence Methodologies for on-line fault detection and diagnosis in 1997.
Simon was part of the banks' Innovation Workgroup member to bring The Finlab to launch and he had been a mentor in The FinLab. He was part of the judging panel in the Global Fintech Hackcelerator. Simon serves as a member in the Product Program Committee and the Alt-Chair person in the Valuation Adjustments working group in the bank.
Phil Gray
Phil is the Founder of Lions Not Dogs, a firm that brings together organisational readiness with a deep understand of technology to create transformative and radical innovation and making sure that his clients aren't in the 84% of organisations fail in their digital transformation programs.
Before starting Lions Not Dogs, his career has spanned 28 years in financial services technology and organisation transformation including launching Standard Chartered Global Innovation Centres in Singapore, Silicon Valley and Hong Kong as well as 'The Garage' – Westpac Bank's Digital Accelerator in Sydney.
Praveen Jain
Managing Director, Head, Financial Crime Compliance SAIL and Innovation
Praveen Jain is the Head of Financial Crime Compliance (FCC) SAIL and Innovation at Standard Chartered Bank. He is the Accountable Executive for roll-out of the enhanced Transaction Monitoring solutions and responsible for the case management and investigations solutions for SCB. He leads the design for the strategic surveillance solutions and leads the innovation program to support the bank in staying at the forefront of FCC risk management by leverage new technologies within the Financial Crime Compliance space.
Praveen was previously responsible for Strategy and Transformation within the financial Intelligence Unit at Bank of America. His early career was with ABN AMRO Bank in AML compliance and with Detica in product management and consulting.
Vishal Kapoor
Executive Director, Functional Audit Head for Risk and Group Finance
Vishal Kapoor has 23 years' experience in strategic planning, risk management, and capital planning advisory. He is currently heading the audit teams for Risk and Finance in DBS at the Group level. He has spent time in auditing, banking and consulting. His projects include reviewing ICAAP/ liquidity risk for 3 consecutive years for a major Singapore-based bank, and reporting the results to the board and the regulator. He addressed stress testing issues at an enterprise-wide level, set risk governance for banks in China and Singapore, conducted programme reviews for Basel II and provided over 700 hours ICAAP/ Basel III/ liquidity training to senior management and the board of various banks. Previously, he held key positions with JP Morgan, Standard Chartered, Deutsche Bank, and Credit Suisse. He holds an MBA from Chicago Booth School of Business and is a Chartered Accountant.
Jawad Latif
Principal Auditor, Anti Financial Crime/Compliance
Jawad is a Compliance and Anti Financial Crime control specialist with 8 years of experience in the second and third line of defense advising tier one financial institutions on strengthening internal control environments and remediation exercises.
Martin Leo
Managing Director, Regional Head of Technology Business Controls
Regional Head of Technology Business Controls for State Street Bank, responsible for 1st line technology risk management across APAC. He has over 20 years of experience in diverse strategic and hands on leadership roles in the industry. Prior to State Street was the Head of Asia Risk at Morgan Stanley IM and earlier with ING as Chief Administrative Officer for ING Investment Management's India business and Asia Pacific Head of Non Financial Risk. In these roles he has held responsibility for Enterprise Risk Management, Operational Risk, IT Risk Management and Infosec. He holds an MBA, is a certified Financial Risk Manager (FRM), CISSP and is a doctoral research student.
Tom Osborn
Editor, Risk Management
Tom Osborn is the desk editor of Risk.net's risk management coverage. Prior to joining Risk, he reported on the futures and foreign exchange industries for Dow Jones' Financial News and the Euromoney group of publications. Tom holds a bachelor's degree in English literature from the University of Warwick, UK.
Felicia Ong
APAC Head of Technology Risk
Felicia is the APAC Head of Technology Risk Head for Credit Suisse based in Singapore. She brings with her more than 15 years of experience in Technology risk & compliance and information security and has led initiatives ranging from pioneer implementation of end to end encryption of customer credentials for retail and wholesale Banks to technology risk due diligence in management of acquisitions. In recent years, she provides awareness on Cyber risks at the Board level, looks at measuring technology risk appetite qualitatively, advises on cyber scenarios creation, reflects on the robustness of controls in Agile and DevOps setup, and also leads the drafting of insider threat information paper in the industry. She is an advocator of bridging the technology risk agenda with Business risks and also actively pursuing risk reduction in data loss/breaches and privileged access risk space.
Neil Robinson
Managing Director, Information & Cyber Risk Framework
Neil is currently responsible for the development of the Information & Cyber risk management framework at Standard Chartered across the Retail, Commercial, Private and Institutional Bank. He is a specialist in first line risk management with operational experience in investment banking, retail and commercial banking. He is a Chemical Engineer by training and started his career in process engineering before moving into technology consulting in the UK. He joined Morgan Stanley as part of the equity operations team before moving to the Royal Bank of Scotland where he covered a number of different non-financial risks covering institutional and retail clients.
Kunal Sehgal
Managing Director
Kunal Sehgal is the managing director for all Global Resilience Federation (GRF) operations in Asia Pacific. Kunal is based in the GRF APAC headquarters in Singapore, where he leads and develops GRF sharing communities, partnership programs and events in the region. He is currently organizing a threat information sharing group for critical infrastructure companies interested in the security and financial benefits of mutual defense. Leveraging GRF's experts and technology, Kunal is committed to maturing cyber hygiene and making sectors more resilient from cyber and geopolitical threats.
Prior to joining GRF, he was integral to the creation of the Financial Services Information Sharing and Analysis Center (FS-ISAC) presence in Asia, which was launched in November 2017. That operation, in conjunction with FS-ISAC's other global centers in the U.S. and London, provides financial services firms with 24/7 global and local coverage for threat awareness, actionable intelligence and mitigation product, and training to respond to incidents.
Before entering the information sharing sector he worked in the insurance, banking and asset management industries and has extensive knowledge of regional security services.
Sehgal holds a bachelor's degree in computer applications from Panjab University and a post graduate diploma in cyberspace security from Georgian College. He holds numerous cyber certifications including: Certified Information Systems Auditor (CISA), Certified Information Systems Security Professional (CISSP), Certified Information Security Manager (CISM), Tenable Certified Nessus Auditor (TCNA), Certificate of Cloud Security Knowledge (CCSK), ISO 27001 Lead Auditor, and Offensive Security Certified Professional (OSCP).
Sehgal is an avid blogger and a regular speaker on cyber-related topics. He has also reviewed five books that focus on offensive security.
Khushwant Singh
Head Operational Risk, Group Global Banking
Khushwant is the Head, Operational Risk of Group Global Banking at Maybank, the largest banking group in Malaysia. He holds Bachelors of Science with Honours from University Putra Malaysia and MBA majoring in Finance from University of Southern Queensland, Australia where he has received the Dean's Award for Outstanding Academic Achievement from the University. He is also appointed as a Moderator in the Financial Accreditation Agency (FAA) Moderation Committee for the discipline of Risk Management and a fellow FAA Accreditation Panel member. FAA is an international and independent quality assurance and accreditation body supported by Bank Negara Malaysia and Securities Commission Malaysia.
He is a Risk Management professional with 21 years global banking experience spanning across the SEA Region and the Middle East. He has been recognised by his previous employers in the success of Risk Management approaches in various disciplines including Operational Risk & Financial Crime Management. He has conducted various presentations in the area of Risk Management to the Regulators, Financial Institutions and Government Agencies. He is a regular speaker at conferences and seminars including the Malaysian Banking Summit, Asian Bankers Association, IERP Global Conference on ERM & Power of Disruption, Emerging Threats in Operational Risk and Practical Guide to Excellence in ORM in Singapore.
His current role among others is to be responsible for the overall ownership of Operational Risk Management frameworks, standards, policies and methodologies at Group Global Banking by promoting efficient, robust, pro-active and forward looking Operational Risk practices. He is the first Secretary of the Maybank Group Operational Risk Management Committee and key member of the winning team that delivered the 2013 Operational Risk Infrastructure Risk Management Award by Asian Bankers. He participated in Maybank's Transitioning Leaders to CEOs (TLC) Program by INSEAD Singapore.
Venkatesh Subbaraman
Regional Chief Operating Officer, Institutional Banking
Venkatesh is a senior leader with 25 years of financial services experience in transaction banking, operations, credit, and sales. He has developed a reputation as a trusted advisor via a track record of strategic foresight, shaping customer centric solutions and leading teams through complex change.
He is currently the Regional COO for ANZ's institutional division. His role includes end to end operational management responsibility for all institutional client needs, as well as property and administration for countries across Asia. In this role, Venkatesh has been able to draw on his experience and collaborative work style to strengthen ties with country CEO's, thereby helping to deliver the strategy, protect the bank, and improve overall performance.
Prior to ANZ, Venkatesh was an executive director with ABN Amro, where he was responsible for the bank's global service centre in Chennai. Earlier in his career, he held sales and credit roles at GE Capital.
Throughout his career Venky has taken a keen interest in personal and professional development of staff. He assigns challenging opportunities to high potential staff, provides honest feedback, mentors junior staff, presents at training programmes and participates in external speaking engagements.
Mohit Tandon
Chief Operating Officer
Mohit is a seasoned Operations & Risk Management professional with 20 years of multi-country experience in Asset Management, Life Insurance & Consumer Banking industries. He has both broad and deep understanding of Asia region's complex regulatory, business and cultural operating environments, gained through Regional and Country roles in Singapore, Hong Kong, Malaysia and India.
Starting his career with GE Capital in India, he worked across Sales, Operations and Six Sigma functions before going on to head the risk function in the country. Later he joined Prudential Plc to establish the Risk Management function for its Joint Venture with ICICI Bank, the leading Private Bank in India. Subsequently he moved to Singapore as 'Head of Operational Risk and Financial Crime Compliance' for Singapore and Hong Kong businesses of Eastspring Investments, the asset management arm of Prudential Plc. Later he moved to the First Line of Defense as the Chief Operating Officer of Eastspring Investments Malaysia where he heads entire Operations, Client Servicing, Digital Transformation & IT Functions.
Mohit is a certified Six-Sigma Black Belt and also a Claritas Certificate Holder from the CFA Institute.
Roy Teoh
Head of Asia Operations
Westpac Banking Corporation
Roy is the Head of Asia Operations for the institutional bank at Westpac Banking Corporation. He is responsible for the operational activities for Westpac's business franchise in Asia, including the execution of anti-money laundering (AML) / counter-terrorism financing (CTF) related activities pertaining to customer on-boarding, renewal as well as ongoing transaction monitoring and customer screening. The scope of his remit includes business units across Private and Premium wealth, Corporate, Institutional and Investment banking in Asia.
Prior to joining Westpac in 2015, Roy spent over 10 years at financial institutions such as Barclays, Royal Bank of Scotland and Credit Suisse. During his tenures, he led regional teams spanning Asia Pacific covering the various end to end operations discipline.
Urban Wilde
Regional Chief Risk Officer
Urban is a Swiss national who graduated from Basel University with a degree in law, then started his banking career as a trainee with Swiss Bank Corp in Basel in 1986. Following various assignments in Basel and Geneva in different areas of credit risk, he became regional head of credit risk control for private banking in Geneva. Following the merger with UBS, Urban was appointed regional head of credit risk control in New York in 2000 and in Singapore 2005. After a "gap year" with UBS in Switzerland in 2009, he was appointed regional chief risk officer for Barclays Wealth Asia in 2010, again based in Singapore covering credit risk, operational risk and governance. Following the sale of Barclays' wealth business in 2016, Urban was recruited as regional chief risk officer for EFG Bank in Singapore in 2017 covering credit, operational and market risk.
Rapheepong Ghai
Privacy Consultant
Rapheepong Ghai is a Certified Information Privacy Professional (CIPP/E) and a Privacy Consultant at OneTrust – the largest and most widely used dedicated privacy management technology platform for compliance with global privacy laws. In his role, Ghai advises many of the world's leading organisations on creating, implementing and managing privacy programmes to operationalise compliance with various country and region-specific regulations including the General Data Protection Regulation (GDPR) and ePrivacy Regulation. Prior to OneTrust, Ghai was as a Solutions Architect and APAC Sales Engineer Manager at AirWatch which was acquired by VMware in 2014 for $1.54B. The company now serves more than 20,000 global customers and is recognized as the undisputed market leader in mobility management. During this time, Ghai served as a product expert to the sales team and a technical lead on major sales opportunities across ASEAN and the NASCENT markets where he helped scale enterprise mobility projects. Ghai holds a B.S. in Industrial Engineering from Georgia Institute of Technology and an MBA from the Sasin Graduate Institute of Business Administration of Chulalongkorn University.
FTS - Eligible
This programme is recognised under the Financial Training Scheme (FTS) and is eligible for FTS claims subject to all eligibility criteria being met.
Please note that in no way does this represent an endorsement of the quality of the training provider and programme. Participants are advised to assess the suitability of the programme and its relevance to participants' business activities or job roles.
The FTS is available to eligible entities based on the prevalent funding eligibility, quantum and caps. FTS claims may only be made for recognised programmes with specified validity period.
Please refer to www.ibf.org.sg for more information.
New features for 2019
New features for 2019 include:
- Hear insights from renowned speakers share their insights on latest OpRisk challenges and hot button items
- Real-world simulations to help you prepare for disaster recovery and business continuity
- Interactive sessions formats (including various interactive panels and a cyber-risk war-games)
- Delving deep into the top 5 operational risks pitfalls in 2019
- Get all of your operational risk related questions answered
Who Should Attend
Professionals working in the following disciplines from banks and asset management firms will benefit from attending this course:
- Global Head of Operational Risk
- Head of Group Operational Risk
- Head of Operational Risk
- Managing Directors, Directors, Vice Presidents and Associates within Operational Risk
- Operational Risk Manager
- Operational Risk Analyst
- Chief Risk Officer
- Head of Risk Management
- Head of Risk Control
- Risk Manager
- Head of Corporate Governance
- Fraud Managers
- Fraud Directors
- Compliance Directors
- Head of Operational Risk Modelling
Sponsorship Opportunities
Share Your Expertise
Engage with and make an impact on potential customers through a speaking slot or panel participation.
Get Your Brand Seen
Showcase your brand to all conference delegates with an exhibition stand and many different signage and branding opportunities.
Connect with Leaders
Make personal business connections with handpicked senior decision-makers as an exclusive sponsor of round table, breakfast briefing, lunch or after-event drinks.
Capture Leads
Receive delegate contact details to sustain business relationships post-event.
Be Part of the Action
Network and build relationships with targeted senior industry professionals with conference delegate places for both your colleagues and clients.
Year-Round Promotion
Reach an even larger audience through a presence on our event websites, social media channels and marketing campaigns.
For more information about sponsoring OpRisk Asia 2019, please contact Marcel Chambers by email [email protected] or by phone: +852 3411 4805.
Download the Sponsorship Pack
Venue Information
Operational Risk Asia 2019 will be held at The Westin Singapore.
Book you accommodation through HotelMap to enjoy discount on room booking!
Westin Hotel Singapore
The Westin Hotel, Singapore
12 Marina View
Asia Square Tower 2
Singapore, 018961, Singapore
OneTrust is the largest and most widely used technology platform to operationalize privacy, security and third-party risk management. According The Forrester New Wave™: GDPR and Privacy Management Software, Q4 2018, OneTrust "leads the pack for vision and execution." Additionally, Fast Company named OneTrust as one of 2019's World's Most Innovative Companies.
More than 2,500 customers use OneTrust to implement their privacy, security and third-party risk programs, automatically generating the specific record keeping needed to demonstrate compliance with privacy regulations including the GDPR, California Consumer Privacy Act, Brazil LGPD, and hundreds of the world's privacy laws.
To learn more, visit OneTrust.com.
The Institute of Operational Risk is a professional body dedicated to the promotion of skills and standards associated with Operational Risk Management. The Institute's main aims are to promote the development and discipline of Operational Risk, to foster and maintain investigations and research into the best means and methods of developing and applying the discipline and to encourage, increase, disseminate and promote knowledge, education, training and the exchange of information and ideas.
Attending Organisation
Singapore Exchange is Asia's leading and trusted market infrastructure, operating equity, fixed income and derivatives markets to the highest regulatory standards. As Asia's most international, multi-asset exchange, SGX provides listing, trading, clearing, settlement, depository and data services, with about 40% of listed companies and over 80% of listed bonds originating outside of Singapore.
SGX is the world's most liquid international market for the benchmark equity indices of China, India, Japan and ASEAN and offers commodities and currency derivatives products. Headquartered in AAA-rated Singapore, SGX is globally recognised for its risk management and clearing capabilities. For more information, please visit www.sgx.com.
Contact Us
If you have any queries regarding Operational Risk Asia please contact the relevant person below:
Kelvin Andrews
Regional Manager Risk.net&WatersTechnology
EMAIL: [email protected]
Amanda Leung
Conference Manager, Asia Pacific
EMAIL: [email protected]
Anna Fong
Event Coordinator
EMAIL: [email protected]
Jayla Tam
Head of Delegate Sales
EMAIL: [email protected]
Crystal Lee
Marketing Executive
EMAIL: [email protected]
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About Us
CITAQ was established in 1996, and through 18 years of developing, we have become one of the leading manufacturer of POS system in China.Citaq is one of the TOP 3 manufacturers of POS in China, by launching our latest series of Android POS we have been leading this field since 2012.
We have been running a cloud based online ordering project called "woyouwaimai" in China with our model V8 since 2013.
Since 2014 we managed to get 2 Rounds of investment from Xiaomi. Now it has been used in more than 5000 restaurants and works stably.
Since 2016 we supplied Europe's biggest Ordering platform Just Eat with more than 20000 units of H10.
Processor: Quad Core A53 1.6Ghz
Memory: DDR2 1GB
Storage: 8G (up to 32G)
O/S: Android 5.1
Monitor: 8'' Vertical Screen 1024*768
Touch: Multi Touch
Printer: 58mm thermal printer
Audio: support
Network: LAN, WiFi, the 3G module is optional
Interface: 3 x USB2.0, 1xRS232, cash drawer RJ11, LAN Port

subset: commoncrawl


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9 Smith Street
Fitzroy Victoria
3065 Australia
Sales 1300 657 687
Move-in has designed packages for Mirvac's latest residential project at Waverly Park. The Chaucer display home showcases a stylish and relaxed environment with use of contemporary furniture and accessories, along with splashes of bold autumnal colours. It's the perfect place for a young family! Come in to our showroom and meet with our designers to discuss how we can help create your dream home.
Photography: Mirvac


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BigOven Pro required (try it free)
Notice a categorization error? Let us know by clicking [alert editor] on the recipe page, in the ingredients box.
Peanut Butter Blossoms
Oatmeal Peanut Butter Cookies
Perfect Fried Eggs
Asparagus au Gratin
Steve's French Onion Soup
Salmon on the Grill with Lemon Butter
Peanut Butter Banana Milkshake
Easy Peanut Butter Cookies
Corn and Cheese Quesadillas
Grilled Corn on the Cob
Chocolate Eclairs with Custard Filling
Pan-Fried Scallops
Barley and Mushroom Soup
Polish Honey Cake
Soda Bread (Irish Whiskey Soda Bread)
Linzer Cookies
Dorothy's Garlic roast Turkey
Basic Boiled and Mashed Potatoes
Carnation Famous Fudge
Easy Monkey Bread
Blueberry Shortcake
No Bake Chocolate Peanut Butter Cookies
Chocolate Whirls
Old-Fashioned Raspberry Bars


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Smartphone are becoming the necessity rather than utility. Today you just don't need a phone you want a phone. As reported, there are more than 2 billion users of android at today's date. The most reported problem issued by an Android user is of the Low battery life of the androids.
High ranges of smart phones come the cost of low room space for batteries. Downloading applications from the Google store can eat up your battery. But downloading applications with 9apps is always like a cherry on the cake. Experience it your own self at 9appsapk.com. And for further tips and tricks, let's move forward.
1. Turn off the things you aren't using.
Beginning with things, there is a thing which we ought to forget usually turning of some unnecessary things which aren't in the use. it is like leaving home with lights and fans on that adds up to certain money in your electricity bills. Leaving applications on when they aren't in the use is quite usually the same it does not cost though, but it does cost the price of battery life.
2. Connectivty features
There is a fact that Wi-Fi consumes less battery than a cellular data. Not only cellular data eats up your battery life but other connectivity features like Wi-Fi direct, Bluetooth and Location does too. So it's better to put them on sleep when usually not in use. Best tip to put them on sleep at one go is hitting the Airplane mode.
3. Avoid putting your on vibration
it's just a myth that putting your phones on vibrations is much more convenient. But you don't know it is actually eating up your phone's battery. Phones at vibration use more battery as it has to shake up to get up your attention. For that, all you have to do is pull down the notification window and put it to vibration mode.
4. Keep an eye on what's eating your battery
Keeping an eye on apps which are ending your battery life is do helps a lot. It lets you monitor applications and by that, you can delete applications which are not in use.
Go to settings option on your device > Battery
Some list of the applications will be displayed on your screen. Which displays the applications which are juicing up your batteries more? you can manage those by uninstalling or force stopping applications which are no longer in use.
5. Use simple wallpapers
With the advancement of technology comes advancement in everything. With booming advancement in graphic and resolutions brings the HD moving wallpapers. those HD wallpapers come with high pixilation which do eat up phone's battery. So better its way better to avoid such heavy wallpapers.
6.Dim your brightness
Dimming your brightness is one of the best and savage ideas of saving your battery life. Some use high brightness to look up at screens in full daylight but when in low light you can dim it. Dimming your brightness do actually help a lot. Putting it to auto-brightness is a savage solution.
7. Reduce auto-lock time
Your screen is your biggest enemy in terms of battery. Using more of your screens can lead up to more battery consumptions. the best solution to the problem is reducing the time limit of auto screen locking. that leads to the less usage of phone screen's light. 15-second duration is more than enough to put your screen on rest.
you can adjust the settings by going to the settings options in your phone then move forward to lock screen option then to lock automatically feature.
8. Regulating Temperature.
Like regulating your body temperature is an important task. Same goes for regulating your phone's temperature. Mostly your phone's processor gets heated up under some high and warm rays of sunlight. When your phone's processor heats it takes more energy to run. more energy leads to juicing up your batteries
there is a master plan behind that is when your phone's body is heating up just remove the battery and rubs between your hands and cool it down.
9. Use lite applications
Using Lite applications is one of the best solutions to save your battery life. Apk and lite or beta versions of applications are lighter in weight so they don't need extra room and need lesser amount for processing which leads to less usage of batteries
For best apk download your desired applications from 9appsapk.com and for downloading media at different formats in no time download Vidmate From http://vidmateapp.mobi/
Maximizing your battery life by following these steps can actually help a lot. Not just is helps you to save power but also lets you work on your device's life. Your device mainly functions on your batteries and keeping your battery healthy is an essential part. In a long run, using best qualities of batteries can help a lot rather using just imperative above-mentioned tips. To avoid using some extra measures plus extending the life of your phone try using the original batteries as they are perfectly designed for that specific models.


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The Case Against Oneness/
The other day, a reader asked me the following question: "Why, Garret, did the early spiritual teachers call the study of true nature Non-duality as opposed to Oneness?"
Cool question. And it turns out there's a fairly obvious reason, and one that's not so obvious. Both reasons are informative and important to consider. Let's start with the obvious.
A noun ending in the suffix "-ness" means the state of being or becoming the original adjective. Happiness, for example, literally means the state of being or becoming happy. Oneness, then, means the state of being or becoming one. And there lies the reason: The true Self (i.e., Consciousness, Love, God's infinite Being) never exists as two. As such, it can never become one. It's already one, non-dual, or not two. In other words, who you truly are is infinitely whole. Who you are is all there is. And what is whole or all there is can never become one with, or connect to, something or someone else. Why? Because there is no something or someone else.
Now for the not so obvious (which could be considered a continuation of the first reason).
To the separate or personal self we often think ourselves to be, experience is composed of distinct objects, others, and events. But, as discussed in past articles, the separate self's point of view is imagined (the separate self is merely an image made of and appearing within the true Self or Consciousness). On the contrary, to the true Self—the only point of view that's real—there is only itself. To the true Self, there are no actual distinctions. This is why we say, "Consciousness knows only Consciousness," "Love knows everything and everyone as Love," and why Jesus said, "I and my father are one." In short, there's not a thing called Oneness because the concept of separateness only exists from the point of view of the imaginary separate self. And if separateness is imagined, then Oneness, or two separate things becoming one, is too.
One last thing about the use of the word "Non-duality" over the word "Oneness." To be fair, neither word is perfect. Both try to capture the essence of experience. Non-duality, though, is simply a better description of the indescribable, breathtaking, and timeless glimpse into the indivisible nature of who we truly are. My simple hope is that this article, this "case against" Oneness, might ease the burden of trying to establish a relationship with, trying to understand the perspective of, or trying to connect to what doesn't fundamentally exist.
And make a bit more obvious the effortlessness and ease of the one Being we share.
Inward and up,


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All About Insurance
Choosing the Right Travel Insurer
A Quick Guide to Travel Insurance
Benefits of Having a Travel Insurance
All About Insurance
Choosing the Right Travel Insurer
A Quick Guide to Travel Insurance
Benefits of Having a Travel Insurance
A Quick Guide to Travel Insurance
A Quick Guide to Travel Insurance
Planning your yearly trip is essential to most of us as it is the moment we take time to take care of ourselves after toiling hard the entire year Some of us travel oftentimes and if you are planning of a single trip or if you have more than one holiday in a year you probably want to guarantee that you have enough travel insurance cover in the emergency that you require to claim against your travel insurance.
Check it out!
Unfortunately, many people don't remember to purchase travel insurance before leaving for the holiday, and you only realize the importance of having travel insurance only when you land into problems. Most people are not concerned about getting travel insurance because it can take a lot of time and energy to find the appropriate travel insurance policy and that together with planning for a holiday makes people shy away from getting the insurance. Besides, most people do not think of insurance when they are planning for a holiday.
Insurance is not an exciting thing to occupy your mind, but it gives us peace of mind, and it is very crucial when we want it most, and thus any person that want to travel should consider having insurance mostly if the trip is for you and your family. Also, children who are under the age of 18 years are covered for free if they are dependents of the policy. Click here to
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One way of dealing with the burden of purchasing travel insurance is obtaining one premium or yearly travel insurance that enables you to make many trips that are all under one insurance policy. There are various levels of covers, and it is essential to confirm with your travel insurer to determine how long the insurance policy will cover you. Most of the travel insurance organizations will provide up to 4 alternatives for the duration of the trip, and it is essential that you pick the best option for you.
Another benefit of annual travel insurance is that in case you enjoy winter sports, you can use as your insurer if they have an option of winter sport so you will also be covered for those trips too. There will be an extra premium for this, but when you remember that winter sports have a higher risk of injury that is related to them, then you will start to understand the sense in taking out the option of winter sport.
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Digiday, an excellent news and information site for communications geeks, posted an article last week making the case that "PR" firms are in a position to take on a bigger role in creating branded content for their clients. The premise is that because social media are taking on more and more responsibility for influencing consumers (at the expense of traditional advertising), these social media channels demand meatier content. And that's where PR firms excel.
It's a valid point. Traditional advertising, including shop-worn vehicles like broadcast TV and radio commercials, and print ads in magazines and newspapers, has seen its impact decline sharply in the social media age. And the creative firms that grew to giant proportions in the years before the social media phenomenon don't have the kind of content chops that PR firms have developed over many years.
That ability to develop and leverage serious content as a means to build and strengthen brands transfers quite nicely to the social media world, where consumers of all types demand meaningful information and shun hype and slogans. In short, the skills necessary to develop deep, well-researched content for a 1,000-word article are just as useful in crafting a blog post, a tweet or a Facebook page.
All of this speaks directly to why we describe The Whittington Group as a strategic communications firm rather than simply a PR agency. Because we focus first on the message, the story and the facts – in other words, the content. Content, not hype, is what today's extremely savvy customers demand, no matter how or where they seek it.
All hail the king, whose name is content.


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Tips on How to Travel on a Budget/
Traveling isn't just something that rich people do. Well, not anymore. In fact, if you have a pretty decent job, a determination to save up, and a few tricks here and there to learn how to travel on a budget, you can actually travel within your country or even outside, but within your means as well.
We don't have to extol on the virtues of traveling (if you're reading this, we're guessing you're already convinced) but we do need to talk about money. You don't need to be filthy rich, but you do need some sort of financial stability to be able to travel. It doesn't have to be in the millions. Here are some tips you can follow to be able to travel on your own financial terms.
1. Choose a dream destination, but be realistic.
If you're looking at your bank account and you feel like a European tour is out of the question at this moment, then choose somewhere that is more realistic (financially speaking) and more feasible. You may have to settle for somewhere nearer, and then do that dream vacation somewhere in the near future (but start saving up for it too!). Once you've settled on your immediate destination, do your research so you know how much you need to save up for.
2. Start an actual travel fund
Oh, we've all put that in our New Year's Resolution: start an honest-to-goodness travel fund. But how many of us actually do it? Well, if you're really determined to travel soon, you should actually put that bill (or coins) where your mouth is. Make sure that when you're setting aside that money every month, you will absolutely not touch it, even if there's a great sale on Saks or something. You can even moonlight or take on a second job if you still can, just to save up for your dream vacation.
3. Watch out for airline seat sales
While we all of course would love to fly first class and with a top-notch airline, chances are that would not be a priority if you want to travel on a budget. So your best bet would be to watch out for airline sales from apps like Skyscanner Flights, Kayak, etc. The planes are smaller and the service may not be that great, but hey, at least you're on your way to wherever it is you want to go.
4. Find a comfortable, affordable hotel/hostel
If you're going to spend 80% of your time outside, exploring a new place, then why would you want to spend a lot of money on a place where you're just going to sleep and take a bath? Sites like Agoda, Hotels.com are the best ways to look for hotels/hostels/apartelles because they offer cheaper rates than booking directly. Air BnB is also a great option if you're looking for no frills places (meaning you most likely will have to look after yourself). But don't just book the cheapest one you can find. Do your research. Go to Trip Advisor and see what they say about the place you're eyeing. Google your potential accommodation just to be sure. Just choose the minimum viable things you would need (WiFi, a small closet, air-conditioning) and make sure that the hotel is somewhere near the main areas so you also wouldn't spend a lot on transportation.
5. Set the itinerary after researching well.
Having a planned and detailed itinerary will save you a lot of money. Going to a place unprepared is always a no-no and will always be more expensive, because, eventually, you'll end up hiring a tour guide or going with a tour group because you know nothing. But going on sites like Trip Advisor, CNN Travel, Lonely Planet, various travel blogs can help you whittle down the things you need to see and then help you plan out how much you will spend or which places will fit in with your budget. Remember, DIY-ing it is always cheaper and probably more fun.
6. Don't fall into the tourist traps.
Every country has one, so make sure to do your research so you can avoid them like the plague. You don't really need that overpriced souvenir when you can get simpler, cheaper ones. You don't really need to go to a fancy looking place when you know you won't buy something or you won't enjoy touring it anyway. Travel bloggers are pretty helpful in weeding out these traps.
7. Walk and take the bus or train as much as possible.
There are a lot of tourist places where walking is encouraged because after all, you can enjoy a new place more on your feet rather than on wheels. So as much as possible, walk. Or if their public transportation system is pretty good, go for the buses or taxis. Just try to avoid taxis as much as you can, especially if you're obviously a tourist. And if you have no choice but to take one, make sure you research beforehand what's the regular rate so you won't get duped.
8. Limit your shopping and shop wisely.
Of course you can never avoid shopping, even if it's just for small trinkets and souvenirs. But make sure that you set a budget for it, and then stick to it. Find out where the best places to go to are and check if these are legit shopping meccas or just tourist traps. Buy only things that you would need or you would give to someone. Yes, you can treat yourself to something silly and cute or something that's really nice, but only if you're not over your budget yet.
9. Look for "freebie" tourist spots.
Sometimes, you have to pay an exorbitant amount to get into museums, temples, etc. But if you feel like that is beyond what you can spend on entrance fees, look for ones where you don't have to pay anything. You can still go to one or two places, especially if the fee is absolutely worth it, but there are also places where everyone is free to look around and take selfies. Some galleries and museums also have free days, so you can check them out too.
10. Make sure you have an emergency fund.
There's nothing worse than being in a strange place and you run out of money. So make sure that you set aside a certain amount which you will only touch for emergency purposes. Remember, you can't call anyone to come pick you up in case you come up short on cash.


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Using Management Accounts Effectively
Video BN8
Using Management Accounts Effectively (BN8)
Hello, my name is Eve from Business Nirvana, today I am going to discuss how to monitor the effectiveness of your management accounts.
We established in the previous videos that every act and decision that occurs within a business has a financial consequence and a numerical value. We discussed that the management team can decide how to view or utilise this numerical information as a means of making sensible business decisions and that this information is contained within the management accounts.
One other thing to reiterate is that software and people make mistakes and so a system of micro audits should occur to check the integrity of data. This could include test purchasing of product via the ecommerce system through to a traditional stock take.
In short we have agreed that the information contained within ones management accounts must be meaningful to the managers, accurate and delivered in a timely manner in an easy to understand format.
So now we need to consider how best to use this information.
Before doing so let's just remind ourselves that most businesses that have gone into liquidation have had "trouble with their management accounts."
As we have now resolved the issues of data integrity - trouble in this context might be as simple as failing to use your management accounts as an aid in making business decisions.
As all businesses as with people are unique; your management accounts will be unique and how you use them will also be specific to your business. There are however one or twom fundamentals that must remain the same.
Thank you for watching this video. Please share now if you think that it could be of use to others and if you have any questions please do not hesitate to ask?
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Apr 5, 2018
Weekend Early Bird Passes SOLD OUT
Uh oh! Early Bird tickets have officially sold out! Thank you to all our loyal chickadees for trusting us to bring the party to Long Beach. For those of you who haven't gotten your tickets but still want to join in on the fun, don't you fear! GA and VIP tickets will become available for purchase when we announce our FULL line up. We are now only mere WEEKS from finally getting to share all the yummy goodness!


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Franchises for Sale in Yellow Medicine County, MN
Discover business opportunities, in or around Yellow Medicine County, with well-established brands, who are looking for people like you to help them grow.
As of the 2010 United States Census, Yellow Medicine County, located in the North Star State, had a total population of 10,233 people. This makes Yellow Medicine County the two hundred ninety third-most populated city in the state of MN.


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Dr. Lee Schisler Selected as 2007 Outstanding Alumnus
Dr. Lee Schisler was named an Outstanding Alumnus of the College of Agricultural Sciences for 2007. Dr. Schisler, a Penn State Professor Emeritus of Plant Pathology, is an internationally renowned researcher and educator who devoted his entire career to helping the mushroom industry. After receiving his bachelor's and master's degrees in botany from Penn State, Dr. Schisler worked as an agricultural chemicals researcher for the American Chemical Paint Co. in 1952. He served as a corporal in the U.S. Army Chemical Corps from 1952 to 1954 before returning to Penn State to earn his doctorate in botany and plant pathology. Schisler was director of Penn State's Mushroom Research Center from 1968 until 1988, and in 1974 and 1975, he took a sabbatical leave to serve as an honorary visiting professor at the University of British Columbia.


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Another objection is that the disorder of the musician intrinsically affects the music itself; because music touches our soul in a way that other things do not, we therefore absorb this disorder into ourselves. I personlly have a difficult time buying this, being as Mozart was a drug-addicted alcoholic Free Mason who died in his 30s because he had run his own body and soul into the ground.
When it comes to hip-hop, rap, and techno, moreover, much of it is written in the context of getting it on like rabbits. It's my belief that if any music is causing problems today, it's these. However, even in these cases, it is the individual artists -- not the artform -- who are perverting the art to make it purely animalistic. The artform itself is not the problem.
The primary contest against music with a heavy beat -- in Christian circles, at least -- is that the beat itself objectively opens the individual up to opression (which, as I understand it, is like possession, except it is unintentional -- it is the kind of "possesion" that some of the saints experienced; an example of this is depicted, albeit with questionable accuracy, in the movie The Exorcism of Emily Rose). If you were to listen to a rock song that was written and performed by satanists, this could possibly happen. But opression can only take place when an individual is taking part in some form of spiritualism, or has unintentionally (therefore without any adverse affect to the soul) come in contact with a person place or thing that has been involved in something spiritualistic or satanic. It cannot be caused by a purely physical phenomena; we live in a post-Incarnation world, and the devil simply does not have that kind of power unless God has a good reason to permit it. The only way the rock beat could objectively make us more spiritully vulnerable is if we were to listen to it constantly with the purpose of silencing our prayer life, and even then other factors would have to be present as well.
And these other factors are crucial, and can do plenty of damage without the presence of rock music. The reason rebellious teenagers began to gravitate towards rock music is not because there is something intrinsically inherent in the beat that attracts the sinful, but because they were rebelling directly against the Christian fundementalists of the south (who, coincidentally, were racists -- not that I'm saying that people who believe rock music is disordered are racists, because that would be silly). These fundementalists considered music with a heavy beat -- a beat which had been carried over by their African slaves -- the music of the devil.
For this reason, I believe that it is more dangerous to teach that music -- or anything for that matter -- has the power to bypass our free will and corrupt our souls than it is to listen to rock music in moderation, especially when those who make this claim admit that the issue is not black and white. Making such a generalization about boundaries which are so subjective can lead to an unhealthy fear of evil in the physical world, for when scrupelosity is extreme it has the nasty habit of spreading to all of our senses to the point to where we fear that even God cannot protect us.


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Questioning Judges about Their Decisions: Supreme Court Nominees before the Senate Judiciary Committee
Williams, Margaret, Baum, Lawrence, Judicature
Interest in questioning nominees about past decisions has increased over time with senatorial recognition of the courts' importance.
There is considerable conflict involving the federal courts and the other branches of government, conflict that is widely perceived to have grown in recent years.1 Some of it involves attacks on the courts themselves. Presidents and members of Congress have criticized judges and threatened retaliation, even impeachment, for their decisions.2 In 2005 one senator even said that recent incidents of violence against judges might have resulted from inappropriate judicial activism.3 In response, some federal judges and others sympathetic to them have expressed concern about what they see as serious encroachments on judicial independence.4 Justice Sandra Day O'Connor said in 2005 that "I don't think I've ever seen relations as strained as they are now between the judiciary and some members of Congress."5
Other conflicts concern the selection of judges. As illustrated by the reactions to the nominations of John Roberts, Harriet Miers, and Samuel Alito, the process of selecting Supreme Court justices has come to feature greater controversy and more heated battles.6 Contention has spread to the selection of lower-court judges, bringing a new level of visibility to that process.7 That diffusion of contention is reflected in the conflicts over use of the filibuster by Senate Democrats to block the confirmation of some nominees to the courts of appeals.
Another development involving the courts in the current era is the growing practice of promoting judges to the federal appellate courts from lower courts. Most notably, it has become standard practice to select Supreme Court justices from judges sitting on lower courts, primarily the federal courts of appeals." In fact, the attention given to Harriet Miers's lack of judicial experience suggests that this practice has won wide support from participants in American politics.
At first glance, this development seems unrelated to the apparent growth in conflict over the federal courts. But in their origins, changes in the professional backgrounds of Supreme Court nominees are similar to the growth in conflict. Both stem largely from increased recognition of the impact of federal court decisions on government and society and an interest in shaping those decisions. Seeking to minimize unpleasant surprises from their nominees, presidents have sought out nominees whose judicial records provide a basis for predicting their overall stance on the Supreme Court.9
There is a second link between these two developments, a link that is consequential. Just as a judicial record assists the president in scrutinizing prospective nominees, that record helps senators and other interested parties to assess actual nominees and creates a basis for supporting or opposing them. At a time of growing criticism of judicial decisions and growing scrutiny of judicial nominees, then, the practice of nominating lower-court judges to the Supreme Court provides another mechanism of accountability for judicial decisions.
This mechanism merits attention. For federal judges as a group, promotion to a higher court is very desirable, and that certainly is true of appointment to the Supreme Court. No court of appeals judge will be nominated to the Supreme Court without a favorable evaluation of the judge's record of votes and opinions by officials in the White House and Justice Department. Although the great majority of nominees are confirmed by the Senate, the defeats of some and the narrow margins of victory for others cause the Senate to loom large in the thinking of all nominees and the presidents who appoint them. To the extent that senators probe and respond to nominees' judicial records, their evaluations of those records-like the evaluations made by the president's administration-will help determine which judges win elevation to the Supreme Court. …


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Love is often not an easy topic of discussion. Valentine's day gets done up each year with flowers and boyfriends and candy. Romance,while important, is only a small portion of loving. I have wanted for a long time to do something that could bring people towards a larger understanding and appreciation of all the love in their life.
So, this weekend I facilitated my second holiday workshop with local crafts woman, Amber Lackey. It was designed to creatively delve deeper into the themes of Valentine's Day. Hopefully allowing the participants to experience the holiday on a personal and meaning filled level. We started by discussing the heart as a sacred symbol, specially it's value in ancient cultures as the seat of wisdom and intuition. Then we held a guided movement meditation where participants had an opportunity to expand their abilities to listen to the intuition of their hearts. The meditation led to a creative experience in which we sewed together a heart for our selves. Each participant crafted a completely unique little token and packed it with symbols of love in their lives. The workshop culminated in a beautiful ending ritual, in which we passed our finished hearts to one another as a circle of support.
While the whole event was an utter joy to facilitate, the closing ritual truly moved me. I felt such responsibility as I received each heart and inspected it's tiny details. By observing the nuances and textures of the artwork I felt myself loving the artist. I learned something unexpected. This is how I love in the world. When I am actively loving I am I appreciating and giving thanks and noticing beauty.
Amber and I had worked long and hard to plan this event, but no where in my plans did I expect to learn something so valuable about myself. It was such a surprise that even as I facilitated the ritual I had tears in my eyes. I did not let myself get caught up in my own emotions, but I noticed them and allowed them to pass over me so that I could continue to do my job.
On numerous occasions when conducting certain rituals or ceremonies, I have felt tears or joy wash over me. There are moments when, as an officiant, the wedding or baby blessing, or vow renewal that you are guiding becomes personal. In those moments you step into the ceremony with the participants and you engage directly in the transformation. If handled correctly, the officiant's brief entanglement in the moment can deepen the ceremony and bring all participants closer in.
For me, it is a bonus; like receiving a tip or a great referral. I add it to my paycheck as an asset, a perk of the job. Because while facilitating and witnessing the transformation of others is quite enough, there is nothing quite like experiencing transformation yourself. I am so grateful to be able to be touched by the work I do; to be learning from teaching and growing from facilitating growth. It would be fair to say that I love my job, I love my clients, and I love being witness to the unfoldment of life's bounty.
(sorry for the cheesy fancy worded post...but hey, it is Valentine's)


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The Psychedelic Confessions Of A Primal Screamer
Paperback, 228 Pages
Price: $13.45
Prints in 3-5 business days
Many bands claim to be era-defining. Few are. Primal Scream were. If you have ever wondered what it would be like to be at the birth of one of rock n roll's bastard offspring then this book is for you. Martin St John was Primal Scream's leather gloved flailing skeleton, bashing away on the tambourine in the 1960s obsessive, garage psyche , mid-eighties period. He was there, bang central , in the middle of the psychedelic maelstom-in the days before Screamadelica, in the days before Top Of The Pops, in the days before Glastonbury - and he has a story to tell. If you think you know Primal Scream, think again. The Psychedelic Confessions Of A Primal Screamer will introduce you to six Glaswegian garage heads hell bent on acid, hard kicks and psychedelia. And there's more again....
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Product Details
- 9781326767754
- Copyright
- Martin St. John (Standard Copyright License)
- Publisher
- Martin St. John
- Published
- November 17, 2016
- Language
- English
- Pages
- 228
- Binding
- Perfect-bound Paperback
- Interior Ink
- Black & white
- Weight
- 0.88 lbs.
- Dimensions (inches)
- 5.83 wide x 8.26 tall
- Product ID
- 22948969
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Sep 15, 2018
LISLE, Ill. - The women's soccer team fell in a match on Saturday night to Benedictine by a 2-1 final score.
Kate Arthur posted Greenville's only goal and tied the match at 1-1 in the night's 15th minute.
Benedictine scored the winning goal in the 78th minute.
The Panthers couldn't seem to produce as many scoring opportunities as Benedictine and were out-shot 12-to-6.
Molly McDonnell led Greenville with two shots, but neither were on goal.
Suzi Conner and Kat Stroot had a shot on goal.
Goalkeeper Marjory Coates collected six saves as she protected the net.
The Panthers (5-3) host Maranatha Baptist on Saturday at 3 p.m. in Greenville.


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June 8th Workshop
"Above all, learn how to breathe correctly."
- Joseph Pilates
By now, many of us are aware that a great tool for dealing with stress is to adopt a mindfulness-based practice into our lives on a regular basis. Whether it be Pilates or yoga, tai-chi or meditation, having and honing in on a mindfulness-based practice is beneficial across the board. Doctors, coaches, therapists and educators are providing us with research that shows how mindfulness can positively affect our health, immunity, brain chemistry and even our relationships!
At the root of many of the mindfulness-based practices is the breath. Focusing on your breath is a simple and effective way to get grounded and centered and can be its own mindful practice if you don't have much time for anything else.
Joseph Pilates knew this, and he was really on to something when he created his method. It's a physical fitness practice coupled with alignment training, strength building, stretching AND breathing. It's essentially "meditation by movement"! How awesome is that?
During this 2 hour Workshop//class, we are going to explore a variety of breathing exercises and techniques culled not only from the Pilates method and its lineage of teachers, but also from yoga and other movement based educators. Then we are going to get moving! Expect a brisk and thorough "moving meditation" Pilates Mat class where you can practice some of the new breathing techniques you've learned.
The goal is to give you a new mental and physical portfolio of breathing exercises to take home with you that you can practice anytime, anywhere and to help you view the Pilates Method through a different lens as you experience how much it has to offer: not only in terms of fitness but also in its application as a tool to soothe and abate the inevitable daily stresses we all encounter!
WHEN: June 8th, 2018 4:30-6:30pm
WHERE: The Pilates Collective, Denver. http://www.pilatescollectivedenver.com/
*all levels of fitness and all ages are welcome: this would be a great class to bring a friend to, especially if they've never given Pilates a try!
*if you are injured or have a concern about your participation in this Class do not hesitate to contact me prior to scheduling. Email: firstname.lastname@example.com


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157 people viewed this vehicle
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|4-Cyl, 1.8 Liter
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Traction Control
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AM/FM Stereo
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Alloy Wheels
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Stability Control
ABS (4-Wheel)
Anti-theft System
Daytime Running Lights
Fog Lights
Rear Spoiler
4-Cyl 1.8 Liter
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text: Jyuri Lee's 2018 Collection 'Not Your Doll-ter' deals with her parents' obsessive, yet controlling love with her. She wanted to translate her obsession: half a desire to create, half a striving for freedom and the unknown, into materiality; into tangible and expressive human architecture. It was to be a leap from the past — she took her inspiration from her collection of marionettes, photographs of equestrian events and racing tack and explored the human interface with harnesses, halters — so much power under control. The theme is a silhouette that is full of potential, free, flowing, but held back. She says, "I used to feel I was standing against the wind." To create this 'held-back' or 'standing against the wind' motif, she chose fabrics with care: waxed cotton, Schoeller sporting textiles, Mikado silk and Silk Gazaar. These were supported and enhanced via inner structures of wire and elastic bands. The goal was to support the silhouette with a rigid structure that still permitted fluidity, the goal was to create an unexpected, yet reliable underpinning. Every silhouette must convey a story.


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Tap producers Billi UK have pledged to support the Royal Air Force Benevolent Fund in their centenary year. The partnership will run for six months for all UK-based customers.
The Norwich-based company has already begun raising funds to support our vital work by donating £1 for every customer satisfaction survey completed.
Marketing manager for Billi, Simona Whyte said:
"As the RAF Benevolent Fund looks to mark a century of service to the Royal Air Force next year, we wanted to do something to support those who have served and their families."
Lisa Hunt, RAF Benevolent Fund regional fundraiser, said:
"We are grateful to Billi UK for their support of our mission, ensuring no member of the RAF Family faces adversity alone."


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A dance of the Bidayuh community usually performed after the harvest season as a form of entertainment for guests to the longhouse. The movements of the dancers with outstretched hands imitate the movements of the eagles as they flap their wings in flight.
The male dancers dance to the rhythmic beat of the drums and gongs and to the accompaniment of the tiny bells hanging around from their ankles. They are adorned with a necklace of wild boar teeth round their necks.
(Source: Tourism Division, Ministry of Environment and Tourism, Sarawak)


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Kids Activities at Wings Wildlife Park
Visit Wings Wildlife Park for a fun day of wild experiences and fun activities! Feed a kangaroo, pat a koala, see the devils feed.
Wings Wildlife Park is open every day of the year, except Christmas Day. With over 150 different species to see and six keeper talks a day, there's always a new reason to visit.
There's always plenty to see at Wings Wildlife Park. With six keeper talks a day, there's always something new to learn.
There are loads of free experiences included in your park ticket, including opportunities to get up close to some of your favourite animals! Such as:
kangaroo paddock
farm walk
Purchase a Kids Club membership, and children up to 15 years old receive a 50% discount on entry. 365 days of park fun is now even better.
Want to splurge a little on a unique opportunity. Get up close an personal with one of our encounters!
Birthday Parties
Let us put together an affordable and fun Epic Animal Birthday Party package.


text: On the 21th of March 2017, it's the 332th birthday anniversary of Johann Sebastian Bach. In Budapest we celebrated with Bach music performed anywhere, any time for anyone who wants to hear it. Listen to the famous piece called Bist Du Bei Mir played live in a markethall of Budapest. Kata Pintér: oboe Zalán László Kovács: tuba Iván Madarász: piano Check my 360 photo and video blog on Facebook or follow me for daily posts on Instagram: https://www.facebook.com/wearevr360/ https://www.instagram.com/gaba_vr/


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Jack Ryan is CEO and Co-Founder of REX. REX is the digital alternative to the residential real estate agent. REX does everything the traditional agent does but replaces much of the activities with data. REX uses big data, artificial intelligence and machine learning to sell homes for 2%, rather than the traditional 6%, with a better customer experience and faster closings. With easier transactions at a fraction of the cost, REX is disrupting the $1.5 trillion residential real estate industry.
Prior to launching REX in 2015, Mr. Ryan built a media company, focusing on electronic and physical delivery of hyper-local news. Within seven years, the company grew to 170,000 circulation in physical form and became Illinois' third largest media company. The Company has received over 100 awards for excellence in journalism, 50 at the national level. In September 2008, Jack Ryan received "Entrepreneur of the Year: Early Stage Company" award from Business Ledger Magazine.
Prior to launching 22nd Century Media, Mr. Ryan was a Teacher at Hales Franciscan, a private parochial High School on the South Side of Chicago. The Student population is 100% African American, with most student recipients of federal assistance. Mr. Ryan taught English literature, U.S. History, Introduction to Law, and College Entrance Exam Preparation. 100% of seniors were accepted to college each year of Mr. Ryan's tenure. Prior to joining Hales Franciscan High School, Mr. Ryan was a partner at Goldman Sachs & Co., Mr. Ryan was responsible for developing new relationships, managing major existing relationships, identifying new business opportunities in the Midwest, as well as managing the Midwest banking team.
Mr. Ryan was able to reach the highest market share in the firm's history in the twelve state Midwest region, as defined by deal volume, paid fees, and Greenwich Survey, in each of the last three years. Mr. Ryan helped recruit and mentor talent to further grow Goldman's substantial Midwest presence. Mr. Ryan was a member of the Board of Managers of Print Media LLC, a $2 billion private company owned by private equity firm. He has served as a member of the Board of Directors of Pages Jeunes, a French public company with a $2 billion capitalization; Tatum LLC, Company, which was sold to Spherion; K12.com, which went public; FirstHealth, which was a publicly-traded company and then sold to Coventry for $2 billion; and Turtle Wax.
Mr. Ryan received his Bachelor of Arts, Government, summa cum laude from Dartmouth College in 1981, his Masters in Business Administration from Harvard Business School, and his Juris Doctor, with Honors from Harvard Law School in 1985. He has been a guest on Fox News, Maria Bartiromo show, CNBC Business, and many other radio, television and print publications.


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Blue Heritage Fish Foil Print Kaftan
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Orange & Yellow Embroidered Ombre Gharara Set
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Grey Embroidered One Shoulder Anarkali Gown
Royal Blue Printed Sherwani Set
Black Overlap Pleated Kurta Set
Peach Embroidered Bundi Jacket
Gold Finish Heritage Maroon Stone Earrings
Gold Finish Pearl & Emerald Necklace
Gold Plated Isfahan Ring
White Hand Embroidered Potli
Green and pink backstrap flats
Pink & White Striped Embroidered Scarf
Emerald Green Embroidered Knotted Flats
Grey & Red Sal Wood Table With Brass
Limited Edition Yin-Yang Platter (Set of 2)
Brass Flicker Candle Holder
Black Textured Iron Cane Planter
(Set of 2)
Cobalt Blue Embellished Pant Saree Set
Salmon & Pink Metallic Strappy Heel Sandals
Grey Geometrical Embroidered Clutch
Sage Green Printed Bundi Jacket
Red Embroidered Drape Saree Gown
Beige Applique Sherwani Set
Gold Finish Faux Pearl, Kundan & Stone Necklace Set
Red Embroidered Anarkali Kurta With Peshwa Jacket
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Soroti Diocese Anglican bishop has suspended with immediate effect one of his senior priests over alleged theft of Shs8 million belonging to a Norwegian national.
The Norwegian, Ms Rundi Randi, is said to have been one the Europeans behind the funding of some of the youth activities at the diocese.
The letter of suspension by Bishop George William Erwau, addressed to all diocesan departments, ordered the Rev Beseri Otekat to vacate the diocese forthwith.
Bishop Erwau said the Rev Otekat's case will be heard by the diocesan disciplinary committee once he pays up the said money to Ms Randi.
"You are hereby suspended from your official duties with effect from today, Wednesday, May 2, because of the unfortunate activity which you did, and there is a letter of your confession to that effect," the Bishop's letter reads in part.
Bishop Erwau also directed that the Rev Otekat, 45, be discontinued immediately from perusing his Master in Theology at Uganda Christian University Mukono until the issues of theft of money from the Norwegian are settled.
"I will only give a comprehensive comment on that if I am served with the letter of suspension," he said.
The area police public relations officer, Mr Michael Odongo, said the matter first came before them in January, when Ms Randi reported a case of theft of her Shs8m by the Rev Otekat.
He said Ms Randi later lost interest in the case, saying she had forgiven the man of God having been friends for long.
"We only had two statements; that of Ms Randi and the Rev Otekat, which [case] was closed as the muzungu lost interest and left the country," Mr Odongo said.
Another Reverend, who preferred not to be named, said the case was indeed closed by the Norwegian and wondered why it was resurfacing now. "We're also reliably informed that since the lady had insured herself against theft in Uganda, she was compensated by some insurance company and left," he said.
He said Rev Otekat and Ms Randi were close friends and in most cases, she entrusted him with withdrawing money from the bank using her ATM Visa card.
Rev Otekat has served both at the Diocese headquarters in Soroti Town and in Serere Archdeaconry.
Before the suspension was effected, three attempts were reportedly made by the diocese leadership to solve the matter amicably.


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The law surrounding humanitarian and compassionate applications is contained in one provision of the Immigration and Refugee Protection Act:
25. (1) Subject to subsection (1.2), the Minister must, on request of a foreign national in Canada who applies for permanent resident status and who is inadmissible — other than under section 34, 35 or 37 — or who does not meet the requirements of this Act, and may, on request of a foreign national outside Canada — other than a foreign national who is inadmissible under section 34, 35 or 37 — who applies for a permanent resident visa, examine the circumstances concerning the foreign national and may grant the foreign national permanent resident status or an exemption from any applicable criteria or obligations of this Act if the Minister is of the opinion that it is justified by humanitarian and compassionate considerations relating to the foreign national, taking into account the best interests of a child directly affected.
Packaged inside this provision is an ability for the Minister to grant an exemption, where circumstances justify, any other requirements under the IRPA. That means you can use this provision as a way out of the usual criteria for immigration. Generally, exemption is requested for the requirement to apply from outside of Canada through the regular streams of immigration.
The circumstances that may justify exemptions are different for everyone, but there are some general guidelines that the decision maker will follow in evaluating each case.
When does humanitarian and compassionate consideration justify granting an exemption? The jurisprudence is clear that if the following the requirements of IRPA would lead to "unusual, undeserved or disproportionate hardship", then an exemption should be granted.
So the question becomes what is unusual, undeserved, or disproportionate hardship? For that we look at a number of factors, including but not limited to:
1. Establishment and ties in Canada
How much is the person established in Canada? This means looking at topics like involvement in the surrounding communities, the closeness of family and friends in the country, any financial investments, and existence of significant relationships. The more established you are in Canada, the more hardship will result from having to leave the country and apply from home.
Keep in mind that establishment in Canada is not by itself enough to show hardship - it must be combined with something more.
Useful evidence here can be:
- photographs,
- bank statements,
- letters of support from friends and community organizations,
- letters confirming volunteer activity,
- affidavit / statutory declaration from yourself and/or family and friends.
2. Country Conditions
Some country conditions may cause severe hardship on an applicant's return. For example, if the country you came from speaks a different language than you speak, it would be difficult for you to access even the most basic of social support. Another example would be weather or natural events - if your country has an outbreak of a virulent virus, it may be deadly for you to return (and hence causing you hardship to apply outside of Canada). Most commonly, discrimination in the home country is claimed as a source of hardship.
Useful evidence here can be:
Country condition reports (e.g. from the UN),
Newspaper clippings,
Letters from home.
3. Health Consideration
Current sufferers of certain conditions may find it difficult or impossible to obtain healthcare in their country of origin. This risk to health will count as hardship. Note that it is not only about your physical health, but also psychological health. For example, your depression may worsen if required to go back to your home country where you do not have any family to support you. This can constitute hardship.
Useful evidence here can include:
- Notes from family and friends,
- Medical reports,
- Hospital records,
- Counselling reports or sessions,
- Statutory declaration/affidavit.
4. Best Interest of a Child Directly Affected
The H&C decision maker will also see if a child will be negatively affected if you were obliged to leave the country and apply from outside Canada. Note that this child does not have to be related to you biologically; if the child will be affected by your departure from Canada, their interests must be considered in the application process. So if you are especially close to a child, make sure to outline how this child will be affected by your departure.
Useful evidence here can include:
- Photographs,
- School records,
- Birth records,
- Letters from children,
- Affidavit/statutory declaration.
These factors are some of the criteria that the decision maker will look at when examining your case. Strength in one area can "make up" for weakness in another, so while you may not have significant ties to Canada, the country conditions and the best interest of a child directly affected may still lead to a granting of an exemption.
Once an exemption is granted, an applicant will be screened for any inadmissibilities and be put on the track for permanent residence.


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If you are eligible for a rebate from your private health insurer you will need to present our Treatment Report and Financial Plan letters to the insurer to ascertain your rebate entitlement.
All accounts and receipts will normally be emailed at the start of each month to facilitate you claiming from your private health insurer.
Our practice offers two payment options.
1. Payment in Full at the Commencement of Treatment
The fee may be paid in full at the commencement of the treatment. In the case of full comprehensive care, a 5% reduction will be applied. This may also aid in the claiming of a portion of the fee as a tax deduction and will not affect your rebate with most private health insurers.
2. Instalment Payment Plan
a) Initial 25% of the fee is to be paid at the time of commencing treatment.
Payments can be made utilising EFTPOS from your nominated bank account or Visa, MasterCard, Amex credit cards.
b) Residual 75% is to be paid by automatic debiting.
Equal payments will then be automatically deducted from either your nominated bank account or alternatively from your Visa or MasterCard on the first of each subsequent month for the residual balance. Treatment started before the sixteenth of the month will activate payments on the first of the following month.
Payments are spread for your convenience and do not specifically relate to the work carried out in any month.
3. For Invisalign Treatment
Due to the Invisalign company requiring high up front payments in order to start the process for the patient, the payment schedule is a little different. Usually 50% of the treatment fee is paid before the patient 3D scan is sent to the company. The remainder of the fee is then spread out over the course of the treatment.


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"I'd love to sing, play the piano, write a novel, paint, dance but it's too late to learn"
There was a time when the average human lifespan was 35, in those days, your late 20s may have been too late to start something so ambitious and be truly great.
but if you are under 40, you still have (on average) about half your life left.
If there are people your age doing amazing things, you have as much time as they've taken to become great to become great yourself.
And if you're older, you have so much more experience and knowledge and resources to bring to bear on what you want to achieve. An 84 year old man recently climbed Everest, what are you doing lately?
The thing is, technique, the actual physical mechanics of doing whatever it is you want to do, is not that complicated in any field.
Even the most complex fields can be mastered technically in a matter of a few years.
The trick is the art.
The "music" of whatever you do.
Einstein wasn't great because he was better at math and physics than his peers, but because he had a vision for beauty and art in what he did, and while many were searching for complex explanations of natural phenomena, old Al saw that the universe was beautiful, and any explanations must be beautiful as well, he knew that a solution wasn't quite right until it was beautiful in it's simplicity and form.
Find your beauty.
Find in your eye and ear and heart that unique perspective on the world.
Then find the medium to express it in.
We need to see what you see, hear what you hear, share in your beauty and art.
We need your music.


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Box-it Central is pleased to be supporting The Myton Hospices throughout 2017/18. As our nominated charity, we will be taking part in a wide range of fundraising activities to support the wonderful work of The Myton Hospices. We hope you will support us to raise 'Money for Myton' as the charity celebrates 35 years of outstanding patient care.
The Myton Hospices has to raise over £8 million each year to continue providing life-enhancing care to people within our community. Last year, it supported more than 1400 people and their families across Coventry and Warwickshire, via its three hospices in Coventry, Warwick and Rugby, as well as patient and family support services provided through Myton at Home.
While The Myton Hospices provide end of life care, it is also pointed out that 50% of patients return home, and that not all patients have cancer. There are some very touching patient stories published on the charity's website www.mytonhospice.org
It may come as a surprise to learn just how many different services The Myton Hospices provides. The hospices in Coventry and Warwick have inpatient units, and also provide day care, while Rugby is a day hospice only. All three are supported by teams of trained healthcare professionals and volunteers. Myton at Home is a 24/7 home service giving people the precious support they need in their final weeks and days, in the comfort of familiar surroundings. Other patient services include occupational therapy, physiotherapy, Lymphoedema services, complimentary therapy and spiritual care.
There is family support too, and a special 'Rainbow Ripples' and 'Myteens' service for children and teenagers affected by the illness or death of a close family member.
All of Myton's services are provided free of charge, and they rely on the support of local businesses and the community to raise the money they need to provide their care. That is why, the entire team at Box-it Central will be pulling out all the stops to raise money for this amazing charity. We will keep you updated on all our fundraising activities over the next 12 months for The Myton Hospices.


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James' Birthday
Hopes, Dreams, Random Thoughts and Maybe a Few Jokes
(631) 517-0350
We want to thank you for considering us as adoptive parents for your child.
We truly appreciate your kindness and strength and look forward to hearing from you.
❤Marie and Joe❤
855-339-9035 (toll-free)