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Are you concerned about a collections entry from Delivery Financial Services?
The entry is likely on your account because you forgot to pay a bill.
While falling behind on a payment or two might not seem like a big deal, collections-stage debt can do substantial damage to your credit.
For that reason, it's important to take the necessary steps to get collection accounts off your credit report.
Read on to learn more about Delivery Financial Services and how to get them deleted from your report.
About Delivery Financial Services
While you might not recognize the name Delivery Financial Services, you can trust that it's legitimate.
DFS is a third-party collections agency with its headquarters in Scottsdale, Arizona.
The agency can be reached at the following address:
3710 West Greenway Road, Suite 131
Phoenix, Arizona 85053
DFS primarily collects on healthcare debt, as well as:
- Commercial debt
- Credit card debt
- Utility debt
If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.
How Delivery Financial Services Works
Here's a quick breakdown of how debt collection works.
When you fall behind on payments, your lender or service provider will make multiple attempts to contact you.
If they don't receive a payment from you, your debt will enter the collections stage.
At this point, a negative entry is placed on your credit report, where it can lower your score for 7 years.
Some businesses have their own collections departments, while others hand your debt off to collections agencies like DFS.
These agencies either:
- Buy your debt at pennies on the dollar
- Are hired to help the original lender collect the debt
When a collections agency gets ahold of your debt, it can mean lots of phone calls and letters for you.
Many consumers looking to cut ties with debt collectors simply pay off their debt, assuming it will get removed from their credit report.
Unfortunately, settling your account does not automatically lead to a deletion. To ensure the entry is taken off your report, read on.
How to Deal with Delivery Financial Services
Collections agencies are notorious for pushing people's limits and nagging consumers about their outstanding debt.
DFS is no exception, having complaints filed against them with both the Better Business Bureau and the Consumer Financial Protection Bureau.
Many people don't realize that they are protected by the Fair Debt Collection Practices Act.
The FDCPA gives debt collectors clear guidelines for dealing with customers, including the ones below:
- Debt collectors can only call between 8 a.m. and 9 p.m.
- They may not contact your loved ones, employers, or anyone other than you about your debt
- Collection agencies are prohibited from calling you at work, upon your request
- Collection attempts should never involve abusive language or unlawful threats.
Moreover, the FDCPA lets you stop collection calls altogether, only communicating with the agency in writing.
You should always correspond with debt collectors via certified mail. Not only will you stop the agency's calls, but you'll also be ensuring that every interaction you have with them is documented.
All you have to do is notify the agency that you're aware of your rights granted by the FDCPA and would like to communicate by mail.
3 Ways to Remove Delivery Financial Services from Your Credit Report
With a better understanding of who DFS is and how the FDCPA can benefit you, here are three strategies for getting a collections entry off your credit report.
1. Ask for Debt Validation
A debt validation letter could help you get DFS off your credit report, free of charge.
According to the FDCPA, you have 30 days to dispute questionable debts on your credit report.
You just have to input the details of your account into a debt validation letter template, mail it in, and wait to hear from the agency.
If you don't know how DFS made its way onto your report, you should absolutely file a dispute. But this method could be effective even if you do owe the agency money.
Since DFS is a third-party debt collector, they don't always maintain the records needed to substantiate their claims.
If they can't present you with definitive proof that the debt belongs to you, they'll have to remove it from your report.
Once the agencies have been updated, the entry should be deleted, and DFS' calls and letters will stop.
2. Negotiate a Pay-for-Delete Agreement
If you missed your chance to dispute the debt or DFS had the info they needed to validate it, a pay-for-delete is your next best option.
When you pay a debt collector in full, they'll stop calling to collect, but the collections entry won't be removed from your report.
Instead, you need to pay them in exchange for agreeing to have your collections entry removed.
Good news? You can probably get an agency like DFS to agree to accept a negotiated amount. Start by offering to pay around half of what you owe.
Once again, this strategy will be the most successful if you communicate with the agency in writing.
Because if an agency representative agrees to report your payment to the credit bureaus over the phone, there's no documentation to guarantee they'll follow through.
Therefore, you should monitor your credit after a pay-for-delete to ensure that the entry gets taken off your credit report.
Because if it's been longer than a month and you're still seeing the entry, follow up with DFS to make sure they uphold their part of your agreement.
3. Work with a Credit Repair Company
Thus, whether you're anxious about contacting Delivery Financial Services or just don't have the time, a credit repair company could be worth considering.
Because credit repair companies are expertly trained to deal with issues like debt collections, making the debt validation and payment process a breeze.
Specifically, they'll identify the factors that are weighing down your credit and get you back on track.
In addition to dealing with collections agencies, they can also handle:
- Repossessions
- Identity fraud
- Liens
- Judgments
- Foreclosures
- Bankruptcy
- Poor payment history
Whether you're looking for a little consulting or you're drowning in credit problems, don't hesitate to contact a credit repair company.


text: Democrat lawmakers urge Biden to extend student loan payment pause Posted on August 3, 2022Democratic lawmakers have urged President Biden to extend the student loan payment pause past the end of August. (iStock)A group of Democratic lawmakers have urged President Joe Biden to extend the federal student loan payment pause before its expiration on Aug. 31st.Sens. Bob Menendez, D-N.J., Cory Booker, D-N.J., Elizabeth Warren, D-Mass., and Chuck Schumer, D-N.Y., and Reps. Lauren Underwood, D-Ill., Tony Cárdenas, D-Calif., and Ayanna Pressley, D-Mass., said they, with 100 other lawmakers, sent a letter to the Biden administration and the Education Department last week advocating for another extension, according to a press release. "For over two years, the department has provided critical flexibility to millions of federal student loan borrowers by pausing payments, as many have struggled during the COVID-19 pandemic," the lawmakers wrote in the letter. "This much-needed pause has helped many borrowers to keep a roof over their heads, secure childcare, and purchase food, health care, and medicine during the course of a pandemic responsible for the deaths of more than 1 million people in the U.S."For the first time, many borrowers have had the opportunity to pay down debt, open a savings account, purchase a home, and save for retirement – none of which would have been possible without the payment pause," they continued.Federal student loans are currently in COVID-related forbearance and payments have been paused until Aug. 31st. During this time, borrowers are not required to make payments on their loans and interest rates have been set to 0%. The Department of Education has also stopped collections on defaulted loans during this time.If you have private student loans that do not qualify for the payment pause, you can still try to reduce your monthly payments by refinancing. Visit Credible to find your personalized interest rate without affecting your credit score.BIDEN CONFIRMS HE'LL MAKE STUDENT LOANS DECISION BY END OF AUGUSTLawmakers say resuming payments would create financial hardshipsIn the letter, the lawmakers said that if Biden does not extend the pause and borrowers had to resume their monthly student loan payments, it would force them to choose between paying those loans or other bills such as their rent or mortgage, food, childcare or healthcare. This comes as inflation hit yet another new 40-year high in June. The Consumer Price Index (CPI) increased by 9.1% annually, hitting its highest point since November 1981, according to the Bureau of Labor Statistics (BLS)."Despite significant decreases over the last month, gas prices are still high, and many borrowers still have to pay exorbitant amounts each week in order to commute to their jobs," the lawmakers said. "Food prices remain high, as suppliers contend with ongoing supply chain issues and the war in Ukraine. We still have a significant childcare crisis throughout the country, which has caused already-high costs to spike to 40% of their pre-pandemic levels. "Low-income borrowers, Black and Brown borrowers, and women borrowers still face severe financial hardships as COVID-19 continues to infect individuals throughout the country and exacerbate existing inequities," they continued.If you are struggling with rising costs, refinancing your private student loans could help you lower your monthly payments. Visit Credible to compare multiple student loan lenders at once and choose the one with the best interest rate for you.BILL AIMED AT ACCELERATING STUDENT DEBT FORGIVENESS THROUGH PSLF UNVEILED BY HOUSE DEMSBiden considers payment pause extension, canceling student debtWhile speaking to reporters at Air Force One last month, Biden confirmed that he will make a decision on student debt by the end of August. However, it was not clear which decision the president was referring to. Prior comments from the White House and the Department of Education have opened the possibility for widespread student debt forgiveness and/or an extension of the current student loan payment pause. Biden has previously said that he's considering canceling some student debt but has not yet given an official decision on when, or how much. He did, however, say that he will not cancel the $50,000 in student loan debt that some Democrats have called for."I am considering dealing with some debt reduction," Biden told reporters at the White House in May. "I am not considering a $50,000 debt reduction. I am in the process of taking a hard look at whether or not there will be additional debt forgiveness and I will have an answer on that in the next couple of weeks."If you have private student loans, you won't benefit from another payment pause extension or from student loan forgiveness. However, you can reduce your monthly payments by refinancing to lower your interest rate. To see if this is the right option for you, contact Credible to speak to a student loan expert and get all of your questions answered.Have a finance-related question, but don't know who to ask? Email The Credible Money Expert at [email protected] and your question might be answered by Credible in our Money Expert column.Source: Read Full Article Best News: All the changes to Universal Credit, State Pension & more coming in April 2020 – full list Jobs lost, middle class Afghans slide into poverty, hunger 'Don't make these six money mistakes' – JPMorgan expert shares tips for retiring early Microsoft to acquire Activision Blizzard for $68.7 billion Rooftop Revelations: The universal importance of educationPost navigation« 50 Cent-Hosted El Chapo Series Leads New Podcast Division At LionsgateRepublican lawmaker aims to force Dem states to allow fracking: 'Threatening America's energy independence' »

subset: commoncrawl


text:
How can physical environment affect children's behavior?
Evans' large and diverse body of research reveals that the effects of the physical environment—noise level, overcrowding, and housing and neighborhood quality—are as significant for children's development as psychosocial characteristics such as relationships with parents and peers.
How does your environment affect you?
Your home and work environment can: Influence your mood. For example, research studies reveal that rooms with bright light, both natural and artificial, can improve depression and anxiety. Impact your behavior and motivation to act.
How does physical environment affect mental health?
Indirectly, the physical environment may influence mental health by altering psychosocial processes with known mental health sequelae. Personal control, socially supportive relationships, and restoration from stress and fatigue are all affected by properties of the built environment.
What are physical environmental factors?
The physical environment includes land, air, water, plants and animals, buildings and other infrastructure, and all of the natural resources that provide our basic needs and opportunities for social and economic development. A clean, healthy environment is important for people's physical and emotional wellbeing.
How does environment affect a child?
An enriching and stimulating home environment fosters healthy growth and brain development by providing a child with love, emotional support, and opportunities for learning and exploration. In families where only one parent is present, there are often fewer economic and emotional resources.
Does environment affect behavior?
The environment can influence peoples' behavior and motivation to act. The environment can influence mood. For example, the results of several research studies reveal that rooms with bright light, both natural and artificial, can improve health outcomes such as depression, agitation, and sleep.
How does an unhealthy environment affect us?
Every year an estimated 12.6 million people die as a result of living or working in an unhealthy environment. Environmental risk factors, such as air, water and soil pollution, chemical exposures, climate change, and ultraviolet radiation contribute to more than 100 diseases and injuries.
Does your environment affect your success?
Creating the right environment will increase your productivity, effectiveness, and even your motivation. It will result in improved results.
How does environment affect anxiety?
Environmental factors: Elements in the environment around an individual can increase anxiety. Stress from a personal relationship, job, school, or financial predicament can contribute greatly to anxiety disorders. Even low oxygen levels in high-altitude areas can add to anxiety symptoms.
How does your environment affect your happiness?
There is indeed evidence in psychology suggesting that being exposed to green, natural environments improves mental well-being. Mechanisms include a reduction in stress, a rise in positive emotions, cognitive restoration, and positive effects on self-regulation.
What are examples of environmental influences?
Environmental influences include dietary intake of B vitamins, especially folate, as well as medical conditions such as renal dysfunction, SLE, advanced age, hypothyroidism and some medications.
What are the 5 environmental factors?
To get a better idea of how they affect a firm's marketing activities, let's look at each of the five areas of the external environment.
- The Political and Regulatory Environment.
- The Economic Environment.
- The Competitive Environment.
- The Technological Environment.
- The Social and Cultural Environment.
What is a physical and social environment?
The physical environment refers to the external, tangible surroundings in which an organism exists and which can influence its behaviour and development. The social environment is the identical or similar social positions and social roles as a whole that influence the individuals of a group.
What are the five major environmental problems?
The Biggest Environmental Problems Of 2020
- The climate crisis is accelerating at an unprecedented rate, and we are not ready for it. While the crisis has many factors that play a role in its exacerbation, there are some that warrant more attention than others.
- Poor Governance.
- Food Waste.
- Biodiversity Loss.
- Plastic Pollution.
- Deforestation.
- Air Pollution.
- Agriculture.


text:
Question: What does the French Algerian War, Cleopatra's Palace and Bomb-hunting ROV's have in common?
Answer: They are all part of Aqua Survey's newest Lunch and Learn.
Our mixed-media, informal presentations inform and entertain (after all, who said learning has to be painful). Travel around the world with us over lunch (or dinner).
Topics include:
-Sediment Coring
-Bathymetric and Side Scan Sonar Surveys
-On-Water Geophysical Surveying
-Environmental Toxicology Tests/Studies
-Unexploded Ordnance (Bombs) Surveys
-Geophysical-Based Treasure Hunting
-Globe Trotting Adventures
-And More
We can come to you with hot pizza, relevant information and interesting stories.
However, if you'd prefer, your company is invited to spend lunch or dinner at the Aqua Survey gallery located in Flemington, NJ, enjoying authentic Southeast Asian cuisine. Don't forget, bring your own PowerPoint on your companies activities. We'd love for you to walk us through what you do so we can better work together when the time comes.
Our current display features antique traditional Lao silk textiles, some over a hundred years old. Any or all of the above mentioned topics can still be covered if you'd like.
Schedule your Lunch (or Dinner) and Learn today.
908-788-8700 or firstname.lastname@example.com
We'll come to you or you can come to us.
Aqua Survey – Your Sediment and Survey Expert.


text:
Fr. Edward A. Rausch
Status: Accused
Diocese: Diocese of Fall River MA
Name appeared on list of 21 priests accused of abused released by District Attorney in 9/02. List says there was one alleged victim with claims beyond the SOL. Rausch left the priesthood in 1970 and was aicized in 1971. He married and raised a family. He denied ever having harmed anyone. Included in 1/21 on the diocese's list of credibly accused. Died 5/14/14, age 86.
Return to main database page. See abbreviations and posting policy. Send corrections.
Our Database of Publicly Accused does not state or imply that individuals facing allegations are guilty of a crime or liable for civil claims. The reports contained in the database are merely allegations. The U.S. legal system presumes that a person accused of or charged with a crime is innocent until proven guilty. Similarly, individuals who may be defendants in civil actions are presumed not to be liable for such claims unless a plaintiff proves otherwise. Admissions of guilt or liability are not typically a part of civil or private settlements. For more information, see our posting policy.


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The cleaning effort is just a problem! The right drinking water filter is an individual which balances mineral content and pH mark. How can you allow your families safety using a large company that basically concerned with profits? The average annual associated with filtering a years supply of water is $274.00 per year, or $0.25 in your gallon.
How Is Tap Water Tested For Contamination? Find Out The Answer Now!
You can use pliers test this but make sure you secure the fitting body securely and don't damage the water line. Could it is a wrong replacement filter cartridge? It isn't a matter and probably will be avoided. Using an inexpensive and very effective filter can improve it will hurt. It removes slim down the chlorine's in normal water.
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Hobart Fencing contractors are the most sought-after in Hobart, Australia. We commit ourselves to providing excellent services to our clients. Not only are we experts, hardworking, and accommodating; we also pride ourselves for being flexible with the different preferences of our clients.
Domestic Couple | Private Chef | Nanny - Los Angeles, CA
Domestic couples in Los Angeles provide a wide variety of services. A Chef prepares detailed basic and gourmet menus and food for most or all family and social events. Nanny may have several years of college or hold a degree, and ideally possess a CPR or a First Aid Certificate.
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Proper pool service in Edmond, OK is crucial to ensure the water is clean and the pool remains in good condition. The following issues can occur if a swimming pool isn't maintained.
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Tips and Walkthrough: Candy Crush Level 11810
Candy Crush Level 11810 Tips
- Collect all the orders and Clear all 290 jellies reach 155,100 points to complete the level.
- You have only 20 Moves.
- Order = 26 Bubblegum Pop
Level 11810 guide and cheats:
This level has hard difficulty. For this level try to play near to grill or from bottom to shuffle the candies. Use more striped candy or play near to jellies to break them all within 21 moves.


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Global MLS is FIABCI-Mxicos international real estate advertising engine for
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Often people assume that fossil fuel subsidies help the poor by making energy more affordable. In fact, most fossil fuel subsidies are not working well for energy access and poverty goals. The annual fossil fuel subsidy expenditure of USD 425 billion could be better invested by governments towards SDG outcomes.
Forfeiting our commons
The Lancet's Series on Maternal and Child Undernutrition
President Obama's grand climate plan does not add up
Climate change can no longer be ignored
NGO demands withdrawal of Niyamgiri gram sabha notificatio


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Gil Roper reports that four juvenile kakariki were heard and then sighted in Redwood Bush on Monday morning 14 November, 2022. They were seen by members of the U3A Botany group near the two huge pukatea trees, beside the stream that crosses the track in the gully between Achilles Close and Peterhouse Street. As theseContinue reading "Kakariki sighted!"
Category Archives: Birds
Kākāriki frequently heard and sighted in Redwood Bush
Kākāriki or red-crowned parakeets are one of three species of endemic parakeets found in NZ. The name means 'small green parrot' because of their predominantly green plumage. They make a loud rapid chatter in flight and also chatter and babble when feeding. Such sounds have been regularly heard, especially at the north end of RedwoodContinue reading "Kākāriki frequently heard and sighted in Redwood Bush"
What do Kererū eat in Winter?
There is minimal seed and fruit available from native trees in winter. Kererū frequently supplement their diet by consuming tree lucerne and young kowhai leaves which are both high in protein. Also when these plants are flowering, kererū take nectar from flowers. These birds are vital for dispersing the seed of large fruiting trees suchContinue reading "What do Kererū eat in Winter?"
Kārearea (NZ falcon) spotted in Tawa
This bird was spotted just a few metres away on the roof of a Tawa suburban home in mid-May 2021, while it was in pursuit of a homing pigeon. Aggressive aerial hunters, these predatory birds are becoming more common in Tawa. This is pleasing to see as they are recognised as an endangered NZ speciesContinue reading "Kārearea (NZ falcon) spotted in Tawa"


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Anabolic Steroids Drugfacts
What Are The Health Effects Of Misusing Anabolic Steroids?
The additional purple blood cells carry more oxygen to their straining muscles than in regular blood, giving them an edge in endurance. Similarly, many male athletes use steroid hormones like testosterone to spur their muscular tissues into growth far past what is often potential, giving them the sting in strength. These strategies are controversial and regarded by many to be unethical, and thus are typically banned from organized sporting events. However, the many drug testing scandals at present within the information show that these strategies are nonetheless in widespread use. Because anabolic steroids are derived from testosterone, they will have profound effects on the hormone ranges of both female and male abusers. Unfortunately, that creates some atheletes who are determined to win at any cost.
What Are Anabolic Steroids Used For?
Specifically, the latter reported the next number of cycles of AS, a longer length, elevated dosage and money invested in AS, and a consequent higher and numerous consumption of AS. However, the presence of collateral signs doesn't inhibit such a consumption, probably as a result of safety offered by the medical observe-ups, which were performed by a excessive number of present customers. Finally, an increase jbhnews.com in each the number of doctors providing such services and the acquisition of AS in pharmacies with a prescription was observed. This implies the necessity for public policies guaranteeing each improved data, given the symptoms and risks presented, and higher management, considering that the abuse of such medicine is associated with a variety of well being dangers.
For example, weight coaching, even within the absence of steroid use, might have a noticeable impression on way of life, as it could possibly involve spending lots of time in the gym and on a strict diet. However, solely time really spent on obtaining, utilizing and recovering from the effects of the steroids meets the diagnostic criterion for dependence of spending giant amounts of time on drug-associated activities . There are a variety of reasons for the non-prescribed use of anabolic steroids. Athletes use them to boost efficiency, pushed by the potential financial and different rewards that will include sporting success. Although older analysis instructed that anabolic steroids have been no more efficacious than placebo in bettering performance, such work suffered from a variety of methodological limitations that restricted its usefulness. A key issue was that researchers did not use the excessive 'supraphysiological' doses needed to attain the muscle-building effect (Reference Lukas, Graham, Schultz and Mayo-Smith Lukas, 2003).
Anabolic-androgenic steroids are synthetically produced variants of the naturally occurring male intercourse hormonetestosterone. "Anabolic" refers to muscle-constructing, and "androgenic" refers to elevated male sexual characteristics. These drugs may be legally prescribed to deal with conditions ensuing from steroid hormone deficiency, similar to delayed puberty, as well as diseases that result in lack of lean muscle mass, similar to cancer and AIDS. Oxandrolone, a by-product of testosterone, is an anabolic steroid proven to advertise gain in physique weight and muscle mass after trauma, extreme sickness, surgery, burns, and stress. To date there are not any research that have evaluated the effect of oxandrolone in persons with chronic spinal twine injury. This study will assess the effect of oxandrolone on power, metabolic fee, lean physique mass, pulmonary operate, and ambulation in persons with continual SCI. This examine has the potential to yield priceless data regarding the usage of oxandrolone after SCI.
Endogenous androgen is answerable for the growth and development of the intercourse organs in men and maintaining secondary sex traits. Endogenous anabolic steroids such as testosterone and dihydrotestosterone and artificial anabolic steroids mediate their results by binding to and activating androgen receptors. In skeletal muscle, anabolic steroids regulate the transcription of goal genes that management the buildup of DNA in skeletal muscle required for muscle growth. Relatively few professionals ever get caught red-handed, nevertheless it's widely believed that many take the medicine in secret. For instance, football players and other athletes might simply take the medication in the course of the low season with out worry of detection. When major league baseball started widespread testing for steroids for the primary time in 2003, roughly 5 percent of players came up positive. Anabolic steroids were first produced in the Nineteen Thirties, and it wasn't lengthy earlier than they made their way to gyms and locker rooms across the nation.
- The impact of anabolic steroids on the heart may cause myocardial infarction and strokes.
- Conditions pertaining to hormonal imbalances such as gynecomastia and testicular dimension discount may also be brought on by AAS.
- The American Academy of Pediatrics and the American College of Sports Medicine condemn using anabolic steroids for enhancement of sports performance or physique building.
- These dangers are additional elevated when, as they often do, athletes take steroids alongside other medication, causing considerably more injury to their bodies.
- Health dangers could be produced by lengthy-term use or extreme doses of AAS.
Anabolic steroids are also often prescribed to males with delayed puberty or different conditions connected to a shortfall of testosterone. These muscle-building medicine shouldn't be confused with corticosteroids, a common class of medicines used to deal with inflammation. The hormones are all blatantly listed on websites like peptideboys.com and deboralabs.com, side-by-aspect with anabolic steroids and different efficiency-enhancing medicine.
Other Quick Time Period Unwanted Side Effects Of Anabolic Steroids
Of these, 86 % first used opioids to counteract insomnia and irritability ensuing from the steroids. Preclinical, scientific, and anecdotal reviews counsel that steroids might contribute to psychiatric dysfunction. Anabolic steroids had been developed within the Nineteen Thirties to treat hypogonadism or low testosterone. The drug's full name is "anabolic-androgenic steroids"—"anabolic" for muscle building and "androgenic" for male sex characteristics. There are at least 25 forms of anabolic steroids; some of the most typical embrace Anadrol-50, Oxandrin, Deca-Durabolin, and Winstrol (Drugs.com, n.d.).
Sometimes, athletes who use anabolic steroids may share the needles, syringes or other gear they use to inject these medication. By sharing needles, syringes or other tools, a person turns into a excessive danger for HIV transmission. Prolonged abuse of anabolic steroids very often results in physical habit. Abusers must undergo a strict, medically-supervised withdrawal program. The dose of illegal anabolic steroids is 10 to 100 occasions greater than the dose a health care provider prescribes for medical issues.


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About Busola Adegunwa
My name is Busola,I am a First Gen Nigerian American. Through the process of acculturation, changing careers and transitioning to motherhood, I have experienced an array of challenges in my personal life. Going to therapy myself has provided me with great support, and has allowed me to be resilient. Going through transitions in life can be immensely challenging, and at times you might feel lost or defeated. Transitions are not all bad, it can be very rewarding. As you navigate through different seasons in your life, it's ok to ask for help along the way. I can support you on this journey.
I am a licensed professional counselor in the States of Georgia. I hold a Master's Degree in the Clinical Mental Health. I have over 8 years of experience working in the mental health care, and private practice. I specialize in women's issues, life transitions and first and second generation cultural issues.


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Singapore, April 25th, 2022
The Mobile Ecosystem Forum, the leading global trade body bringing together mobile operators, telecom companies, and technology solution providers with other stakeholders, announced the completion of a highly-successful meetup in Mumbai. Held over tow-days, the event was co-hosted by Globe Teleservices, a global provider of traffic management, fraud detection and voice/SMS connectivity solutions.
The meet-up was a unique opportunity for the top executives of India's vast and strategically important sector to get together with all the other players and influencers of the sector to discuss issues that matter to the future of telecom in India. The event had a special focus on the opportunities, trends, and challenges in messaging in light of changing market dynamics, consumer behaviour, and technology disruptions.
"It was an honour to co-host this important event." Said Ashutosh Agarwal, Founder and Managing Director. "We have been members and supporters of the MEF for many years now. Over that time, we have attended, sponsored, and participated in many events the forum has organized around the world. These events have always been deeply informative and extremely useful in helping the telecom sector define strategies to help drive market adoption. It was time to get the MEF to India, and we're glad we could facilitate that at this crucial juncture in India's telecom narrative."
Through panel discussions, partner presentations, and discussions, the event covered key aspects of Business Messaging, including trends and new opportunities. Sessions explored emerging areas like Rich Messaging and CPaaS-led business messaging. Security, especially Identity-Management and anti-fraud solutions was another key area of focus. The meet-up also heard details of RBI's consultation paper on alternatives to SMS-OTP.
About Globe Teleservices
Globe Teleservices – GTS is a Singapore-based Telecommunications company, providing diversified and technologically advanced solutions for the global telecom industry and other technology-focused sectors. GTS is a leading international voice, messaging, and managed service provider that continues to grow and expand its footprint across the globe. GTS's solutions extend the impact of telecom technology into sectors like banking and financial services to enable customer connectedness and engagement. GTS works closely with over 100 Mobile operators to provide solutions that have a direct impact on revenues and customer engagement with a focus on managing frauds and network vulnerabilities.
With an employee strength of more than 350, GTS has a worldwide presence in Dubai, India, Malaysia, Hongkong, Kenya, and Tanzania among others.
About Mobile Ecosystem Forum
Established in 2000, The Mobile Ecosystem Forum is a global trade body that acts as an impartial and authoritative champion for addressing issues affecting the broadening mobile ecosystem. MEF provides its members with a global and cross-sector platform for networking, collaboration and advancing industry solutions. The goal is to accelerate the growth of a sustainable mobile ecosystem that drives inclusion for all and delivers trusted services that enrich the lives of consumers worldwide.
For more details contact:
Send your queries – [email protected] Visit www.globeteleservices.com to know more about the services and solutions


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Sophie Mei - Window (18AndBusty)
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Local community
'A university has a responsibility to be both a force for good in the world, and a good neighbour locally.'
Professor Louise Richardson, Vice-Chancellor
The University hosts a range of interesting and engaging activities for all, for example, did you know that you can get a free permit to visit Wytham Woods? Or, that you can participate in any of the fun experiments created by the researchers and shared by the Oxford Sparks team? Watch the video to learn more or explore this section for an insight into how we engage with the community.


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More than half of American marriages end in divorce. Most people have 1 of 2 reactions when reading that sad statistic. The first response is a sense of dread or fear, and the second is the belief that your marriage will be different. Perfect, even. There's no such thing as a perfect marriage, but when your union centers around God, it will be strong. Click To Tweet
A Spiritual Foundation for a Lasting Union
Matthew 7:26-27 reads, "But everyone who hears these words of mine and does not put them into practice is like a foolish man who built his house on sand. The rain came down, the streams rose, and the winds blew and beat against that house, and it fell with a great crash." A marriage without God could be equated to the foolish man who built his house upon the sand. As soon as there's turmoil or adversity, it crumbles.
1) Surround Yourself With Godly People
You are the company you keep, which means that even with the best of intentions, keeping bad company comes at a cost. Foster relationships with friends and family who also trust God, and support each other's marriages. Your church family would be a wise place to start.
2) Communicate With Respect
You should talk with your spouse often and with love. This can prove difficult in those moments when you find yourself annoyed or angry at them, but it's those moments when it's most important.
3) Pray Together
Make a habit of praying with your partner for wisdom, guidance, and strength in your marriage – and to build a healthy personal relationship with God.
4) Encourage One Another
A marriage isn't the place for petty competition, insecurities or fear. You should lift your spouse up, encourage them to follow their dreams and be their best self. You should be your spouse's biggest cheerleader.
5) Remember Your Vows
There will be times when the romance has faded, and the excitement you had at the beginning of your relationship is gone. This can be a very vulnerable time for couples, but it's important to fall back on your vows. You didn't promise for better or worse – unless things get boring. You promised a lifetime.
A Spiritual Union
Marriage is is a deeply spiritual union. It only works when two people are connected individually to God, heeding His wisdom, and making prayer and church a priority.
Connect With Us to learn more about building your marriage on solid ground.


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Most Linux Distributions use open-source fonts to substitute Microsoft's iconic typefaces like Arial, Courier New, and Times. Red Hat created the Liberation family to replace these similar-looking but different sizes — all you have to do is select your preferred font when editing documents so that they'll be readable without any disruptions!
For users who want to install Microsoft fonts and use them in LibreOffice, the following tutorial will teach you how to install Microsoft fonts on Debian 11 Bullseye desktop.
Table of Contents
Update Debian
First, before you begin, make sure your system is up-to-date by using the following terminal command.
sudo apt update && sudo apt upgrade -y
Install Microsoft Fonts
By default, Microsoft Fonts are available in Debian 11's repository. To begin the installation, use the following command.
sudo apt install ttf-mscorefonts-installer -y
Once the installation has been completed, you will see in your terminal the following result.
This indicates that no errors occurred during the installation, and it was successful.
Verify Microsoft Fonts
By default, fonts will be available in most applications now, but you can confirm by launching the fonts application located in Activities > Show Applications > Fonts.
Once opened, you can search fonts to confirm that Microsoft fonts are installed. You will see Arial font straight away, ensuring the fonts are being used correctly.
How to Remove (Uninstall) Microsoft Fonts
Use the following command to remove the fonts for users who no longer wish to have Microsoft fonts on their system.
sudo apt autoremove ttf-mscorefonts-installer --purge
This will remove in Microsoft fonts.
Comments and Conclusion
In the tutorial, you have learned how to quickly and easily install Microsoft Fonts on Debian 11 Bullseye.
Overall, Microsoft fonts are proprietary software, so not all Linux users would be thrilled to install these depending on your stance about open-source software. However, with the right font, color, and text size, your creative work will be more readable depending on your situation, work environment, and audience, and these fonts may be required to do this.


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The Straits
The Straits catch up
Catch up TV on The Straits. Watch the latest and all other episodes of The Straits now online, broadcast on ABC1. Catch up on your favorite ABC1 TV show: The Straits. Replay tv on its best! Set among the turquoise waters and lethal wildlife of Australia's Far North Queensland and Torres Strait, comes an exotic and darkly humorous crime drama. CAST: Brian Cox, Rena Owen


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WASHINGTON -- An aide to House Speaker Dennis Hastert on Wednesday went before ethics investigators in private to explain how the office handled complaints about former Rep. Mark Foley's behavior toward former pages.
Ted Van Der Meid, who oversaw the page program for Hastert, R-Ill., appears to be one of the last witnesses. The House ethics panel is investigating whether lawmakers and staff aides acted properly when learning of Foley's too-friendly messages to ex-pages and other questionable behavior.
Article continues below this ad
The panel is in its third week of hearing testimony and seems unlikely to complete its inquiry before the Nov. 7 elections.
Van Der Meid was a central figure in the handling of a complaint last fall from a former page from Louisiana. Hastert's office was alerted to the "over friendly" e-mails and dispatched then-Clerk of the House Jeff Trandahl and Rep. John Shimkus, R-Ill., to confront Foley, R-Fla.
Former top Foley aide Kirk Fordham has told the committee that Hastert's chief of staff, Scott Palmer, knew of earlier incidents involving Foley.
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Foley abruptly resigned Sept. 29 after being confronted with sexually explicit e-mails sent in 2003 to a former page from Oklahoma.
No lawmaker has acknowledged knowing of sexually graphic e-mails. They surfaced only after news broke that Foley last fall had sent a too-friendly message to the former Louisiana page. But a small group of lawmakers and top GOP staff aides have known for years of inappropriate messages and rumors of bad behavior by Foley toward pages.
Rather than investigating Foley, the four-member investigative panel is trying to determine who knew about his behavior toward pages and whether more should have been done to stop it.
Trandahl was appointed to the clerk's post -- with responsibility over the page program a prominent responsibility -- and was in frequent contact with Hastert's office.
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A key question for investigators is who else knew about Foley. Fordham's account has been disputed by Palmer, but Trandahl reportedly has backed up Fordham's story.
The panel may want to know what Van Der Meid knew about earlier incidents regarding Foley. For example, it has been asked to look into rumors that several years ago Foley tried to enter the page dorm while drunk.


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Financial investment is the act of investing money on a property with the hope of boosting its worth in time. It needs giving up something that you have in the here and now, such as time, money, or effort, in order to attain this objective. There are a number of different ways to invest money and also time. Nonetheless, one of one of the most common ways to spend is through supplies, bonds, or mutual funds.
Prior to spending, it is essential to establish your purposes. You should recognize just how much threat you are willing to take as well as whether you will need cash-flow in the future. You ought to additionally take into consideration tax obligation implications. It is necessary to look into the expenses and incentives billed by various broker agents prior to you decide on an investment approach. Some brokerages might charge a high cost for their solutions. You can conserve money by avoiding these costs. The secret is to understand how much threat you want to birth and also just how much you want to pay to make your cash strive. are gold and silver iras a good idea
A share of stock is a small item of possession in a business. Depending upon the business's success, you might be qualified to a circulation of revenues. The value of your investment can rise gradually. When you prepare to sell your shares, you might recognize resources gains. There are two sort of supplies: common stock as well as preferred stock. The latter includes voting civil liberties as well as typically an initial claim on rewards. If you're investing with funds, you'll require to decide which kind of stock is right for you.
While stocks and also bonds are considered protective financial investments, they don't featured a guaranteed return. Nevertheless, if you intend to prevent the risks of an unstable market, you can invest in bonds and fully grown leading supplies. These sorts of investments can offer good returns while restricting your direct exposure to risks. You can also take into consideration buying assets. While they are not as stable as supplies, they still have some potential to generate substantial profits.
If you have a stable earnings, you can spend your cash in supplies and bonds. There are many different types of investments, including stocks of firms that pay direct dividends and also fixed deposits that pay normal rate of interest. These are terrific ways to secure a consistent income, whether you're out of work, employed, or retired. Not only will investing in these kinds of financial investments enhance your revenue, it will likewise boost the financial stability of your entire country.
Financial investment entails putting cash to function as well as under supervision. Although investing entails danger, it generally yields a positive return in the form of a higher return on investment. Without placing your cash to function, your cash won't grow and also may also shed its purchasing power due to inflation. The objective of investing is to construct a portfolio of assets to minimize danger as well as boost your earning capacity. ira n gold
Unlike hypothesizing, investing is a long-lasting commitment that can take a number of years to see any kind of reward. Investing in an excellent firm needs due persistance, and you ought to just invest if you are specific the investment is a good fit. A crucial sign for making financial investments is totally free capital, which determines a firm's capability to reinvest cash money back to the shareholders. The higher the totally free capital, the extra eye-catching the firm is to financiers.
Before making any financial investment decision, you need to recognize what your objectives are and just how much threat you're comfortable with. Ensure you understand what risks and charges are related to the financial investment. When you have actually determined these things, you can choose what kind of investment is right for you. You can do this on your own or with the help of a monetary expert. With some planning, you'll appreciate the monetary security as well as safety that features being able to handle your money.
Purchasing supplies is a terrific method to construct wealth, yet it comes with a specific amount of danger. While supplies offer the best possible return, they are likewise a lot more unstable and also might lose value in the short term. Bonds have reduced earnings and greater risk, yet are much more steady and much less unstable than supplies. Bonds are typically traded in the competitive market with brokers.
Financial investment is the act of spending cash on a new possession, with the goal of increasing the asset's value with time. An investment requires that you give up several of your present property, such as money or time, in order to reap the benefits. It is the most common sort of monetary transaction, and the most typical kind of investing is in a business or real estate investment.
Developing a successful financial investment method needs an extensive understanding of your individual preferences as well as financial requirements. You need to identify your danger tolerance, cash-flow needs, and tax obligation repercussions. You additionally need to contrast brokerage firm expenses and also motivations to discover the very best fit for your demands. Besides, you can never ever know exactly how the marketplace is going to transform, so you require to recognize what to seek. Luckily, there are some fundamental actions you can require to create a strong investing technique.
First, you need to think about whether you're purchasing supplies or bonds. Supplies can be split into 2 classifications: development stocks as well as value supplies. Growth supplies are small, early-stage firms that have yet to verify their well worth in the market. On the other hand, worth stocks are mature business that are extra developed, as well as their supply worth may be lower than their revenues. On top of that, there are additionally bonds, which require an upfront investment. After that, you'll receive a repeating repayment over an extended period of time. The goal of bonds is to raise capital for services and also governments, and you can add to that pool by investing. gold etf in ira account
An additional kind of investment is acquiring shares of supply in a company. This way, you obtain an item of possession in a business, and are entitled to share in the earnings of the business. Some supplies even pay dividends, which are regular payments of the company's profits. However, supplies are not assured to produce high returns, and also specific firms can fall short to endure. In these situations, investing in shares of stock is a good alternative.


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Essential Things to Ponder about to Help You Find the Best Computer Repair Firm
Just like other devices, it is possible for a computer to break down Once your computer breaks down, you require to look for a computer repair services. Therefore, you require to employ a computer repair firm to tackle the issue. Here are some of the critical things that you require to ponder about to help you choose a reliable computer repair company.
The onsite support is the first critical thing you require to ponder about when choosing the best computer repair firm. Nowadays, you will find that in the market, there are technological advancements along with a stiff competition. Finding the computer repair service provider who is capable of coming to your home or else your office, for the sake of diagnosing and repairing your computer is easy. This is an advantage as you will not waste your time and cash carrying your computer to the workshop of the firm for the repair services of your computer. Hence, it is critical to select a computer repair service provider that guarantee you provision of services in your office or your home.
Next factor to ponder about is the services guarantee. A perfect computer repair service provider and phone repair near me, for example, Techville, ought to offer their clients with repair services that have been guaranteed. This is an indication that they are required to fix the problems for free. Therefore, it is critical find a firm that offer computer repair services and at the same time offer guarantees on the spare parts utilized during the repair.
Additionally, you are advised to look at the credentials of the computer repair service provider. A firm with qualified certificates is the right one to choose. Check if the computer repair firm that you are considering has insurance, The major benefits of making sure that you chose a firm with liability insurance are that once the technician happens to make mistakes as he works on your machine, you are not the one who will be held liable.
The best computer repair service provider to choose is one that is licensed. Make sure that have rationalized license. For the sake of clarifying the qualifications of the firm that offer computer repair services, it is a wise idea to request them to provide you with their educational credentials. It is significant to validate the business number of your possible computer repair. For more info that is not here, click for more in different sites that have been written by authors that vary.


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Some Best Way to Improve Your Online Poker Game
Playing poker in an online poker is distinct from what can be found in a land-based online poker. You won't be able to see players, but the wager sizes are normally bigger, and folding or calling occurs extra often than now not. But what also can improve your online poker game and how to play poker online?
There are many specific guides, cheat sheets, and techniques that permit you to grasp the online game. The monstrous scale of online poker means that you may encounter a whole lot of leisure players. By maintaining this in mind, you may take a number of benefits of this by sticking at low-stakes online poker games.
Here are a few ways to improve your online real money online poker games:
- Remove distractions from the environment
Distractions will most effectively reason you to overlook possibilities or even make errors. It is actual, and it's even the identical for the land-primarily based games as online poker video games. The distractions whilst gambling online poker are so diffused that the players frequently fail to recognize that they may be even taking place. For instance, a few gamers frequently open a couple of browsers at the same time as playing poker, and it is one of the reasons for distraction from the game. So, while you are playing for a big sum of money, it's crucial to show off any online suggestions or music and take into account playing without them. After all, how often do players get a hazard to watch TV whilst they are playing offline? In many ways, while you create quiet and relaxed surroundings, it enables you to make the proper selections even as also noticing all the opponents' nice details.
- Don't mix up your cash games with tournaments
Tournaments and cash poker games are quite extraordinary games. Tournaments may be easily played on multiple tables simultaneously, and gamer can purchase-in for the equal amount as every different. This is why professional gamers regularly choose money games in place of tournaments because there's much less cash play variance, in which players have a much better concept of what to anticipate. However, you're more likely to locate more pleasure and enjoyment in tournaments and learn valuable abilities from experienced players.
- Bluff aggressively with draws
If you want to play real money videogames India and excel in it, you may need to discover ways to bluff. When you bluff ineffectively, you lose money at the desk. So, how to maintain the bluffing frequency below?
The best way you can bluff is to allow the cards to inform you if you are going to bluff or no longer. Think of draws as the attracts as your backup plan in case the bluff receives referred to as.
When you are just starting, then bluffing with general nothing in hand before the river isn't beneficial.
- Fast-play your arms to build the pot
It is unhappy whilst participants assess their flopped nut flush 3 times after which tables their monster of a poker hand when the opponent assesses back the river. Slow gambling is a maximum commonplace mistake amongst gamers who're fearful of chasing the combatants out of the pot even if they have strong poker hands.
It is first-rate to guess your robust palms to build the pot then defend your fairness in lots of instances. That's to say you ought to additionally bet/raise your strong hands publish-flop. You can also take a look at your strong hands if:
- It's unlikely you'll be outdrawn.
- There aren't many cards that can save you from being paid later.
- Your opponent's variety is heavily weighted towards hands and not using a showdown value.
So, in case you experience uncertainty, simply bet. It might be disappointing while your opponent folds, but that's not as disappointing as getting outdrawn or lacking out on potential value.
- Fold When Unsure
Do you realize the difference between an awful player and a professional player? It's the potential of a good participant to put down a good hand like the top pair after they think that they may be crushed.
It might sound easy, however it is also tough to practice in part due to how our brain is built. We are naturally curious and always want to win. When we are folding, we give up our chances to win the pot which doesn't fulfill our curiosity by finding out what the opponents have. One of the fastest ways to lose in poker game is calling too often and in the wrong situation


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Vincere Health
Vincere Health is a website and mobile app that assists users on their journey to quitting smoking. The app offers financial incentives, real-time biofeedback, and a personal health coach for each user.
The company hired me and two other designers when they noticed a decrease in retention during their onboarding process. My job was to redesign their onboarding to keep users engaged and excited about starting the program.
Tasks and Tools
User Personas
User Journeys
Iterative Design
affinity mapping
Visual Design
Design Studio
User Interviews
My roles
Project manager
UX Writer
Lead in synthesizing research, user personas, and journey maps
All the graphics in this case study were created by me.
Style guidelines
This was the color palette I was given by Vincere.
The quick brown fox jumps over
the lazy dog
Title: Roboto, Regular, 35pt
The quick brown fox jumps over
the lazy dog
SubTitle: Roboto, Regular, 20pt
The quick brown fox jumps over
the lazy dog
Text: Roboto, Regular, 14pt
Vincere's current onboarding
During our stakeholder interviews, the CEO mentioned wanting to change this "brain looking thing" they had as a background.
Users filled out a questionnaire through website and then were directed to the app.
Vincere used the word "smokalyzer device" to talk about their biofeedback device.
Vincere was very clear that we could not guarantee to users that they would quit at the end of the program.
Because the platform onboarded users through a survey on the website, they were able to kept their questions sections short.
What did competitors offer?
I did a competitive analysis on 5 different smoking cessation apps' onboarding processes. Most of these apps began their onboarding process with a few intro screens.
After the initial introduction, they began collecting information from the user.
To make the process more appealing, many apps used colorful graphics and colorful backgrounds.
Key takeaways
Keep it short and sweet
Colorful graphics make it fun
Avoid asking for too much too soon
Identifying with the user
Cycle of change chart reminds us that relapse is just a part of the cycle.
New users were likely those who have contemplated quitting, and are now taking action.
What are some of the feelings and emotions that happen when they've decided to quit smoking?
Key insights
By referring to the "Cycle of Change" chart, I was able to understand what the user may be experiencing in this phase.
The user may go from being excited to quit, to absolutely dreading the idea, and back again many times before they are successful.
Before interviewing the user there were a few considerations to make...
"I've gone through TSA twice in order to smoke."
Smoking and quitting are both sensitive and loaded subjects.
We wanted candid info and feedback from our users, so coming from a place of neutrality was key here.
Not only did I want to hear from people who were contemplating quitting, I also wanted to hear from those who had successfully quit smoking.
By speaking with these users, I could get an idea of what worked for them.
Key interview takeaways
They like the idea of having a coach help them through the difficult moments.
Users have tried many times to quit. They ultimately want to quit, but become overwhelmed, or don't know how to identify their triggers.
Users smoke to self-medicate. Smoking relieves their anxiety.
Their lives revolve around smoking.
Users felt guilt and shame around smoking.
I took these insights and plugged them into Miro
From that I made two personas:
Mark is my primary persona.
He is married, and has two middle school aged boys.
He has tried quitting before, but was never successful in the long term.
He hates gum and patches, but the idea of quitting cold turkey makes him feel really anxious.
He asks his wife to make him accountable, but when he slips up he feels twice as bad, causing him to lie.
Mark feels a lot of shame around smoking. He feels like he should have quit by now. He feels like a failure.
We want Mark to feel like he is being supported without judgement.
A health coach will be really beneficial for him to feel empowered
"Now I'm putting WD40 on the door hinges so she doesn't hear me sneak out to smoke."
Click below to learn more about Mark:
Ardalan is my secondary persona.
"I smoke almost never, but sometimes."
He is 31, has been smoking on and off for a long time but doesn't consider his habit an addiction
Guilt doesn't work on him. He pushes back when authority figures try to give him any unsolicited advice.
He decides he will consider quitting, but only if he can see real changes. If he doesn't see any big impact, he doesn't really see the point.
He doesn't really think his smoking is a problem.
If he's going to quit he needs to see hard data.
He needs to go at his own pace.
Click below to learn more about Ardalan:
Sketching the intro
Design Studio Objectives
Be friendly
Have colorful graphics
Convey information clearly and transparently
Be short enough to keep users engaged
This graphic needed to show diversity, represent the program and be clear and easy to understand.
Here we wanted to show the user that they get paid, and that the insurance companies cover the bill.
This page needed to show the visual of a device connecting to their phone, and a graph to represent real time feedback.
This graphic needed to show the health coaching process. The coach needed to come off as warm and non-judgemental.
Designing the intro.
1. What does Vincere offer?
The intro page should break down the whole scope of the program. I especially wanted to hook people in by letting them know they could earn money.
Users could skip the intro
I often heard "What's the catch?" By being transparent about the process, I could keep users excited and build trust.
User's don't want to be policed. They want feedback on their progress. I switched the language to reflect that.
From my competitive analysis I knew that color was going to be my friend.
Initial Stakholder feedback
Make the background white, to match their current design
Cut down on the information given on each screen and rely on graphics
Between the two designs, I really thought the color was the way to go... so I let the users decide. I tested both designs against each other, and...
I was wrong!
Users found it hard to read the colorful screens. Because conveying information was my North Star, I kept the white.
I added this screen to introduce users to the "Quit Kit", to explain why Vincere needed user's address.
Men felt they weren't being represented in any of the graphics, so I added a male graphic.
When we were transparent and thorough, our users felt more informed about what Vincere offered, and showed a stronger interest in moving forward.
The final design, and prototype
The end result was an onboarding process for Vincere Health that used inclusive language and was easy to understand. The visuals were friendly, and inviting, but not overwhelming.


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- Beacon, NY
Female Hip Hop artist, lyricist and songwriter. Hidden in secret hails the Underground Queen, Charlie Kelsey. Born on the West Coast in Northern California and raised on the East Coast in Upstate New York, Kelsey gives a hood conscious point of view and rugged sound.
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