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By Tracy Diziere
Being authentic in business increases happiness due to simplified decision-making, improved communication, and a strong foundation for growth. Consider these examples:
- You want to work with people who are humble. A prospective referral source begins to rattle off his accolades and share how VIPs constantly praise him for all his help.
- Integrity is a shared value with a prospective strategic partner. When you need to express concern over how an arrangement might work, you can link it to an integrity conflict and she will understand.
- Your company culture has defined core values and developed tests for cultural fit. Current employees are engaged and committed. As you grow, assessing candidates and on-boarding new hires is easy. Your business thrives because the external messaging matches the customer experience and the internal culture.
In each case, you have a high level of self-awareness, which is at the heart of authenticity.
The Process of Authenticity
Authenticity is a process, not a destination. It is a commitment in the present–during each present–to embrace our humanness and others' humanness with non-judgment, let go of preconceived ideas of how we are supposed to act, and act in accordance with our core values instead. However, you can prepare for the journey by taking 4 foundational steps: (1) examine your own goals, values, and preferences, (2) define those synergies that will make you happy, (3) choose your relationships accordingly, and (4) speak in a language that resonates with your ideal client.
Step 1: Examine
Authenticity starts with self-awareness, both in the short-term (identifying how we are interpreting the moment) and our worldview. It requires looking inward, which may or may not be a challenge, and seeing and assessing what is found there, which can be difficult. We need to ask ourselves:
- Where do I want to go?
- What do I want to take with me?
- What is no longer serving me that I'd like to leave behind?
- Why am I here?
- What are my core values?
- What traits do I admire in others?
Step 2: Define
Define the synergies that will make you happy. In looking at the list of traits you admire, how many of these apply to clients? Could they? What else is missing from the list?
What are the relationships with these people like? On the flipside, what is the opposite?
Consider your core values and how you might refine them for your business. For entrepreneurs and others who are the company, the core values are your own but they should be expandable, transferable, and in line with the future vision you have for your company. And, they should be mutable in small ways, like minor steering adjustments–not constantly shifting, as in weaving in and out of lanes.
Step 3: Choose (evaluate)
In looking at Step 2, how do you know when there is a fit? To whom or what you will say "No"? We've all heard "You can't be all things to all people, there's riches in niches," etc.–but to choose, we must know what the undesirable traits are and develop the tools to evaluate subjects. Where X is the undesirable trait, ask:
- Where have people with X come from? How have we met? (This may also drive networking and other marketing activities.)
- What do the people with X have in common?
- What questions can I ask the person directly that would show me X?
- What questions can I ask references that would show me X?
Obviously, it is easier–and more positive!–to go to market with authentic core values and messaging to attract the right people–having them self-select instead of having to weed them out. It also saves time and energy.
Step 4: Speak
Having authentic core values allows you to create messaging and content that will represent you and speak your truth when you are not there. This is why "marketing" can be so much broader-reaching than many people think. Marketers consider how you want others to describe you– what's the word or series of words tied to an emotion that is true to your core values, true to the experience of being your customer, and representative of your culture? (In marketing strategy terms, this work is brand development or branding and includes external market factors, such as "competitive" analyses.)
But getting the language right is only part of the job. Consistency is the other part. The message throughout your communications needs to be the same–across all media. Tools such as audits and brand guides can come in handy here.
To contact author email firstname.lastname@example.com or visit mymarketingperson.com.


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The Before and After School Programs strive to expand opportunities for positive youth development through high-quality, affordable academic enrichment and wellness activities outside the traditional school day. Before School time is 7 am until start of regular school day.
After School time is 3:15 - 5:30 pm.
Registration for 18-19 school year is now open again. If your form and fees are completed and there is a spot available for your child, you will receive a confirmation phone call or e-mail from us.
NOTE: Cooper (PM), Four Corners, Northern Lights, and Lake Superior are currently the ONLY sites accepting new applications.
Please click here to fill out the online form and get on a wait list for Bryant and Great Lakes:
Click here to Enroll
Please click below to go to the YMCA's website and pay the $25 registration fee. Tip: in the search box on the first screen, type in "School" then click on the Search button. ASP $25 fee will be the first fee listed.
Click here to pay registration fee
Click here to send Drop Request
The After School Program Scholarship Form is now available. There are a limited amount of scholarships available for the 2018-2019 school year.
Click here for Scholarship Application
Click here to view the Flyer
Click here to view Program Guide
Disclaimer: District reserves the right to move program location to provide various program opportunities for students.
The After School Program supports the literacy initiative of the district by fostering a love for reading in the program. Students have the opportunity to read books of their choice from the school library and classroom libraries throughout the week. They are given time to read and also the opportunity to share with students and staff about the books they are reading.
Homework Support
The program also provides academic enrichment and support; however this time is not designated for extensive homework help.

subset: commoncrawl


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Carrots are one of the most versatile and commonly used vegetables around the world that come packed with plenty of incredible health benefits, such as improving cardiovascular health, preventing cancer, and boosting eyesight. They have been valued for their medicinal properties for centuries, being added to salads, soups, stews, and even used as a delicious juice. Let's see some of the amazing benefits and uses of carrots for skin and health here.
Most of the benefits of carrots can be attributed to their beta-carotene and fiber content. This root vegetable is also a good source of antioxidant agents. Furthermore, carrots are rich in vitamin A, Vitamin C, Vitamin K, vitamin B8, pantothenic acid, folate, potassium, iron, copper, and manganese. Carrots contain just 44 calories per 100gm. The benefits of carrot include skin and eye benefits and much more for our health.
Amazing Benefits and Uses of Carrots for Skin and Health
Eat Carrots or Drink Carrot Juice for Glowing Skin
The consumption of carrots keeps your skin healthy and vibrant as they are loaded with Vitamin C and antioxidants. Carrots can also be used to prepare an inexpensive and convenient face mask. All you need to do is to mix grated carrot with some honey and apply it as a face mask to get glowing skin.
Heals Sunburns
Carrot juice has various benefits for Skin. As they are rich in Vitamin A and vitamin C which are helpful for the skin to retain its radiant glow. Vitamin A is necessary for tissue growth. The antioxidants act as natural sunblock and helps in healing sunburns whereas Vitamin C helps in increasing the elasticity of the skin. It also improves your skin tone and revitalizes the skin. Whether consumed as juice or applied to the skin, carrot juice benefits for skin.
Get Radiant Glow to Your Skin
Mashed or grated carrot is also used in various face packs to increase the brightness of the skin. Regular use of carrot juice ensures that your skin gets a radiant glow and looks healthier and beautiful.
Treatment Of Blemishes and Scars
Drinking carrot juice is effective in getting rid of blemishes and scars. You can also apply carrot pulp on your skin to clear the blemishes.
Used For Skin Whitening
It might be surprising, but carrot juice can make your skin a few tones lighter. All you need to do is to take some carrot juice and add a teaspoon of honey to it. Apply it to your face and neck and rub slowly. Add a pinch of plain soda to water and wash your face with this water after 20 minutes.
Cures Skin Ailments
Carrots are effective in the prevention and cure of various skin ailments. The antioxidants in this vegetable can treat skin conditions like pimples and acne, rashes, dermatitis and other skin problems caused due to Vitamin A deficiency. However, keep in mind not to consume carrots in excess as they can cause your skin to temporarily turn yellowish-orange in color.
Enhances Eyesight
Carrots contain a powerful form of Vitamin A, known as beta-carotene, which is excellent for eyesight. Just one cup meets 400% of the daily recommended amount of Vitamin A, which means that these vegetables are powerful for preventing night blindness, macular degeneration, and other eye disorders
Immune Booster
Carrots contain a number of antiseptic and antibacterial abilities that make it ideal for boosting the immune system. Not only that, carrots are a rich source of vitamin C, which stimulates the activity of white blood cells and is one of the most important elements in the human immune system.
Fights Signs of Aging
The Beta Carotenoids found in Carrot Juice are known to change into Vitamin A, once they enter the body. Thereafter, they reduce the chances of cell degeneration and thereby slow down the chances of aging. They also improve the amount of the collagen found in the skin, helping to maintain the elasticity of the skin and reducing the signs of aging such as sagging and wrinkles off the skin.
Nail and Hair Care
Carrot Juice is known to increase the hair growth and nail strength as well.


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Glock 42 380acp 3.25 Ns 6rd FDE Cerakote Finish
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The New Glock 42 In .380 Auto Is A Slimline Subcompact Pistol Engineered With The Glock Perfection Promise And Able To Withstand The Rigors Of Routine Training. Made In The Usa The G42 Is The Smallest
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The New Glock 42 In .380 Auto Is A Slimline Subcompact Pistol Engineered With The Glock Perfection Promise And Able To Withstand The Rigors Of Routine Training. Made In The Usa The G42 Is The Smallest Pistol Glock Has Ever Introduced Making It Ideal For Pocket Carry And Shooters With Smaller Hands. Years Of Requests Across Market Groups For A Super-concealable Reliable Single-stack .380 Glock Pistol Prompted Extensive Research And Development To Bring The Glock Customer The G42.
Caliber/system: .380 Auto / Safe Action
Length: 151 Mm / 5.94 In.
Width: 24 Mm / 0.94 In.
Length Between Sights: 125 Mm / 4.92 In.
Height: 105 Mm / 4.13 In.
Barrel Length: 82.5 Mm / 3.25 In.
Weights: Unloaded: 390 G / 13.76 Oz. Loaded: 490 G / 17.29 Oz.
Trigger Pull: 25 N / 5.5 Lbs.
Trigger Travel: 12.5 Mm / 0.49 In.
Barrel Rifling: Right Hand Hexagonal
Length Of Twist: 250 Mm / 9.84 In.
Magazine Capacity: Standard: 6
Color: FDE Cerakote
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Entrepreneurial Orientation in Long-Lived Family Firms.
Peer-reviewed Academic Journal.
Small Business Economics
We apply a key construct from the entrepreneurship field, entrepreneurial orientation (EO), in the context of long-lived family firms. Our qualitative in-depth case studies show that a permanently high level of the five EO dimensions is not a necessary condition for long-term success, as traditional entrepreneurship and EO literature implicitly suggest. Rather, we claim that the level of EO is dynamically adapted over time and that the original EO scales (autonomy, innovativeness, risk taking, proactiveness, and competitive aggressiveness) do not sufficiently capture the full extent of entrepreneurial behaviors in long-lived family firms. Based on these considerations we suggest extending the existing EO scales to provide a more fine-grained depiction of firm-level corporate entrepreneurship in long-lived family firms.
Entrepreneurial and Small Business Operations
Recommended Citation
Zellweger, T., & Sieger, P. (2010). Entrepreneurial Orientation in long-lived Family Firms.Small Business Economics Journal, 2010(1), pp. 1-18.


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For talented job seekers who are looking for sponsorship but hesitant to commit to some employers without a trial period, we are able to assist in securing up to 1 year contracts with employers (with a minimum of 6 months working period). This will allow both the employer and candidate to build and develop their working relationship. At the end of this period, both parties can then make sponsorship commitments.
Want to know more? We work closely with our registered migration agents in Australia to ensure that candidate tailored talent solutions match carefully with sponsorship and employer requirements. Find out more by speaking to an MYG Talent professional today.
The MYG Talent Division places high importance on the needs of overseas recruits and candidates seeking employment in Australia.
Due to the never ending unsuccessful attempts made by international professionals seeking jobs in Australia, MYG Talent, in partnership with registered migration agents and labour hire organisations, has the perfect solution to assist you in meeting your employment and sponsorship goals.
Computer –Based Training Techniques
Computer-based training is the major training method to deliver whole content of the training program and easy to use for both trainer and candidate. Although human interactions will always remain the solid foundation of training, technological solutions are effective in enhancing the training. Computer-based training involves use of CD-ROMs, Text-only (self-paced training in a text-only format), Multimedia training materials that provide audio, video, stimulating graphics, or animations, and Virtual reality, and interactive training program that is highly effective. These training programs are effective and reliable in that the trainees can learn at their own pace. They are also easy to use and cost-effective.
Interactive Training Techniques
Interactive candidates training techniques keep candidates engaged, which makes them more receptive to new information. Demonstrations are powerful training tools as they involve use of tools and equipment to showcase the steps being taught or the main processes being adopted. Other techniques under this category include use of case studies, active summaries, quizzes, Q&A sessions, question cards, participant control, and role playing. These training techniques make training fun and more enjoyable as employees interact freely while still absorbing essential skills necessary for better performance.
Typical Interview Skills Training workshops include:
Land the Right Job (Week 1 & Week 2)
Job hunting
Helping job seekers like you find and succeed in jobs that are the right match for your skills is what we do. Whether you are new to the employment market or an experienced professional who has applied for a fair share of roles, our job-hunting resources can help you make the right choices and guide you in your job search.
The role of career, motivational and cultural fit
Job fit refers to the degree to which the candidate's skills and experience are relevant to the job and the degree to which the candidate finds the role's activities and responsibilities satisfying. Organizational fit refers to the candidate's compatibility with the organization's values and mode of operation. While organization fit covers a range of organizational attributes the most common and frequently cited element centers on the congruence between individual and organizational values. This is often referred to as culture fit.
The job market today is loaded with competition, and it can be increasingly challenging to get noticed. Your resume and cover letter are your first opportunity to make a good impression with hiring managers.
Job Interview
For a successful job interview, knowing the requirements of the position is a start. Candidates must also be familiar with the company and its customers. Even the most prepared candidate should take additional steps to ensure they navigate the job interview process effectively.
MYG-Talent is comitted to building better future for our community candidates. With our knowledge of the market and excellent client relationships with organizations across various industries and functions, our team of recruitment consultants can open doors for you.
MYG-Talent English for Academic purposes Programme – The goal of this course is to measurably build on students' academic English language skills by engaging them in listening, speaking, reading, writing. And grammar learning activities that are relevant to real world encounters in professional workplace environments.
At the completion of the course, students will be able to
1. Use academic listening strategies; including prediction, identification of main ideas and specific details.
2. Respond appropriately to spoken instructions.
3. Recognize formal and informal spoken English
At the completion of the course, students will be able to
1. Speak with appropriate accuracy and fluency using basic and moderately complex sentence structures.
2. Verbally connect ideas in paragraph-like discourse
3. Use appropriate verbal intonation and rhythm
4. Express advice and personal opinions with supporting information
5. Make formal and informal oral presentations.
At the completion of the course, students will be able to
1. Read and comprehended authentic English language publications relating to professional life; including print and online newspapers, brochures, and internet-based communication platforms.
2. Demonstrate a working knowledge of appropriate reading and pre-reading strategies; including scanning, annotating predicting outcomes, making inferences, and identifying stated or implied main ideas and supporting details.
3. Increase reading rate.
4. Understand a writer`s purpose.
At the completion of the course, students will be able to
1. Demonstrated an at-level understanding and application of grammar rules; including the appropriate use of verb tense, subject-verb agreement, modals, personal pronouns, and articles.
2. Use adverbs and adjective clauses.
3. Use comparative and superlative forms
4. Use gerund and infinitive forms
You will have a dedicated professional working to market your talent and ensure your skill set, personal situation and requirements matches with suitable employers (such as sponsorships and skill matching).
Your skills will be marketed through our talent marketing services. Your skills and what you can do for your industry will be highlighted to those companies who will be lucky to have you! We select companies specific to your industry, not just those who place job advertisements.
Your value will increase through our innovative talent marketing solutions.


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Mile Ho Tum (Neha Kakkar) Ringtones TuneGuru.In – Free Mobile Download
Mile ho Tum Hamko its By Best Song. its song singing for Neha Kakkar. This Song Add To Youtube Popular Videos. already i have use Mile Ho Tum Humko Ringtone my Mobile/ smartphone. its best sad love romantic song.


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Fulham have reached the fourth round of the FA Cup after coming from behind to beat Cardiff City 2-1 in Sunday's third-round clash at the Cardiff City Stadium.
The visitors were quick out of the starting blocks but they conceded in the eighth minute against the run of play, Anthony Pilkington curling a free kick into the Fulham net via a Lucas Piazon deflection.
It did not take long for the Cottagers to equalise, however, with just six minutes elapsing before a passage of play involving Tom Cairney, Sone Aluko and Ryan Fredericks culminated in the ball being cut back to Stefan Johansen, who powerfully sidefooted home.
The Bluebirds set about trying to strike back and, 20 minutes in, Fulham goalkeeper Marcus Bettinelli had to be alert to to push clear Joe Ralls's stinging shot after a flowing Cardiff counter.
However, the away side continued to press on and were rewarded in the 33rd minute via Ryan Sessegnon, who bundled the ball home on the rebound from a yard out following Fredericks's impressive foray down the flank and Cairney's initial bar-bound effort.
The second half saw Fulham go down a gear as Cardiff continued to struggle in terms of troubling their opponents, and Slavisa Jokanovic's charges could even afford to miss a number of additional chances.
Bluebirds goalkeeper Brian Murphy was tested by Piazon and Aluko, but they did not prove crucial come the final whistle as Fulham cruised into the fourth round of the competition.


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Muscle spasms, especially chronic spasms, detract from the quality of life of many individuals. They are painful and, if truly chronic, interrupt the daily life of patients in a negative way.
Muscle spasms have several different causes. Chiropractors have many ways to begin to start the healing process and help you to find relief.
Muscle Spasms Causes
There are many factors, which contribute to the development of muscle spasms or cramps. They include inappropriate stretching, vitamin deficiencies, aggravated nerves, dehydration, poor stretching techniques and fatigue, among others.
Muscle Cramp Symptoms
A muscle spasm is difficult to miss. The muscle will suddenly contract causing extreme pain in the area of the spasm, overwhelming discomfort and the ability to visibly see how your muscle has tightened unwillingly. An individual experiencing a muscle spasm has no ability to release the painful condition.
Theoretically, a muscle spasm can happen to any muscle, but muscle spasms happen most frequently with the thigh muscle, the calf, the foot or the back.
As a general rule, muscle spasms subside in a short amount of time and release on their own. When the muscle cramps chronically or the spasms last for a long time, it is time to discuss your spasm complications with a chiropractor.
How A Chiropractor can Help
Routine spinal adjustments (and other chiropractic techniques) offer relief and a way in which to prevent future muscle spasms. The treatments are typically hands-on techniques that are used to re-align the body. This ultimately removes pressure from the nerves that cause the discomfort and the spasm. These adjustments modify the number and severity of the nerve signals your brain receives.
Chiropractors often suggest the use of the massage therapy in conjunction with their chiropractic care. Massage therapy reduces inflammations and relaxes the muscles prone to spasm. It also is great for one's overall spirit.
It is unusual to witness someone experiencing a significant amount of spasms without needing to be analyzed by a professional chiropractor. Remember, it is not normal to experience muscle spasms frequently.


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Sunday, 10 August 2008
Logo Lounge – Online Logo Database
I was show this website by one of the designers at work as a really useful way of finding inspiration when coming up with a new logo. It is an online database of thousands of logos created by designers around the world and it allows you to search by several means such as name, designer, industry and most importantly type. If, for example, you wanted to make a logo look like it had been stitched in addition to the usual research you would do you can also use this site to search for existing stitched logos to get some ideas of the solutions other designers have had to a similar brief and find what does and doesn't work so well.
Visit www.logolounge.com
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:: November 2005 Letter ::
Check out the chalk outlines on the tarmac. Two dead airplanes: Bombardier's CRJ-200 and Embraer's ERJ 135/145. Didn't see that coming. Airplane deaths are always tragic; forensic pathology is the worst part of the aviation market analyst's job. But any good autopsy tells a neat story.
Okay, they aren't really dead. Both manufacturers implied that airliner production could one day be resumed. Both also said the airframes will live on in corporate and/or military configuration, although the Army's Aerial Common Sensor fiasco probably rules out a major ERJ 145 triumph. But as of November both manufacturers plan to suspend 50-seat airliner production next year.
The decisions capped an amazing run. The first CRJ was delivered in 1992, the first ERJ in 1996. Over 2,000 have been built. And the peak years were quite recent: annual production in 2000-2003 exceeded 250 planes. Watch that last step—it's one hell of a drop.
The story of these two jets tells the tale of US legacy airlines over the last decade. Delta, American, Continental, Northwest, USAirways, United, and others were the big customers, as they desperately tried to reform themselves. You can't shrink route networks—extensive hub-and-spoke networks were the essence of big, lumbering legacy carriers. But you could shrink the planes, keep critical mass intact, and raid each other's route networks. These guys were hemorrhaging cash, and 30/50-seat RJs were there to help.
At first it worked, particularly for Delta and later for American and Continental. But as everyone climbed on the bandwagon, the excess capacity made a bad situation worse. The four majors in bankruptcy now have the legal right to get out of any lease/purchase obligations, and if they don't return planes they'll at least negotiate lease rates downward. This Christmas it might just be snowing unwanted RJs. Even though only 43 CRJs/ERJs are parked right now the threat of RJs cascading out of legacy airline service is a great reason to suspend production.
But the big over the waterfall moment of the CRJ-200's life was the Independence Air debacle. Independence was the name/proclamation chosen by Atlantic Coast (ACA) after deciding to not share United's pain. Independence, or FLYI as its impossibly clueless shareholders knew it, was presented as a way of preserving ACA's unnaturally high margins even as United sank deeper into red ink. Rather than just a typical fee-for-service role pumping passengers into United's route network, FLYI elected to fly its own routes for the low-cost travel crowd.
This was one of the all time greatest let's drink the Kool-Aid events in aviation history. FLYI's dream of reinvention as a discount carrier might have been possible if the entire 80-something CRJ fleet was swapped out for A319s overnight. But with a fleet of 50-seat RJs with very high seat mile costs (worsened by high oil prices), the battle was lost before it started. And of course United used other feeders to stay in the markets it lost after ACA's defection, greatly exacerbating overcapacity.
Technically FLYI is still alive, in much the same way that my dream of owning Tuscany is still alive. But it's a reasonable bet that its 60+ CRJs will be lining up at soup kitchens this winter.
FLYI also proved that 50-seat RJ economics only worked in the hothouse confines of a legacy carrier system. For the legacy majors, costs didn't matter. Critical mass, route networks, market share, and business volume mattered. Trivial issues like costs and profits were for upstarts like Southwest or JetBlue. The majors' critical mass-based approach isn't impossible. But when you have six guys with the same philosophy overcapacity rules out profits.
To sum up, these high cost RJs helped high cost carriers survive. Then they helped a high cost LCC wannabe dump cheap capacity on the market, distorting it and penalizing healthy competitors. That's all very funny. Some of the time, a new plane can make a difference. But very often, it shouldn't.
All this humor might be lost on a FLYI shareholder (see http://finance.yahoo.com/q?s=FLYI&d=t for something that no shareholder ever really likes seeing). Then again, FLYI's very creation removed all doubt that there's too much dumb money chasing too few good ideas in this industry. Perhaps the stock ticker should have been CFIT; the FLYI business plan had more in common with Controlled Flight Into Terrain than a real business plan. Where can I find credulous investors like these? I've got beachfront property in Puerto Discreto that needs developing.
As CRJ-200/ERJ 145 production winds down Embraer and Bombardier both have successful families of larger jets (ERJ 170/190 and CRJ-700/900) which will help make up the lost revenue. Embraer has its cleverly conceived (but abysmally monikered) Phenom business jet series. Bombardier has its futile and embarrassing CSeries and a profitable but curiously neglected business jet unit.
Despite the successful larger RJs, regional aircraft are a deflating market. Therefore, this will remain a duopoly. Remember the sheer horror of Alliance Aircraft? And let us never again speak of Fairchild Dornier. AvCraft, the legacy FD, has just been ordered dissolved by bankruptcy court. The rather handsome FD 728JET prototype is now an equipment organ donor. Letting a business go bankrupt in job-starved Germany without state aid or intervention is an almost unimaginable feat. If you can't make it there, you can't make it anywhere. Any RRJ or ARJ-21 true believers still around?
And in retrospect, I never saw the brief and terrifying reign of the 50-seat RJ coming. I never saw it going. The future just kind of happened. There's something postmodern about that.
This month we've updated the Regional overview, along with the 787, King Air, Citation, TBM 700, Lynx, NH 90, Jaguar, and KT/A/T-50 reports. Enjoy the holidays.
Yours, Watching The Detectives,
Richard Aboulafia
© Richard Aboulafia 1997-2006, All rights reserved.


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Hello readers. Welcome to my heart. Let's begin.
The title says it all right? I heard this idea in a message by one of my new favorite pastors Matt Chandler. How many of us ever think about Hell? "Yeah? Not where we're headed right? So why bother thinking about it."
Oh, because scripture tells us to. It tells us its real and people not knowing God will go there.
Pshh..come on Claude. Oh I know God. I love God.
The man who says, "I know him," but does not do what he commands is a liar, and the truth is not in him. 1 John 2:4
This is love for God: to obey his commands. 1 John 5:3
So? Still think you know and love God. See here's the thing. If we're not doctrinally understanding what it means to know God and to love God then we're missing out on the fullness of God, and could very well be headed to this place we try not to think about AND will argue that we're not going there. Here's the illustration.
Ever wonder why everybody in jail claims they're innocent? Or ever watched a trial and the convict is sitting in his chair with this head in his lap, waiting to hear the final verdict. And the judge slams down his gavel and screams out GUILTY AS CHARGED! Does the convict jump up with joy? Does he boast and brag? High five the judge?
Of course not. Just like the inmate and just like the convict, when we're feeling guilty, all we want is MERCY.
So, naturally...and of course...we're going to want to believe things like, "Well God is a loving God, He wouldn't send me to Hell." Or, "If He is a loving God, why would He create Hell?" Or my favorite that people say, "I feel like God loves me to much to send me to Hell."
This is only a result of our culture's lack of awareness of sin. "Consider therefore the kindness and sternness of God" Romans 11:22. Kindness of God, yeah, I can get that. Peace, joy, love, happiness, purpose, hope, yes. Well, the same mouth also said all those other things we want to ignore. And since our culture doesn't have an understanding of how doctrine explains sin and how God feels about it, we flaunt it. We'll tweet it, we'll blog it, we'll rap about it, we'll sing about it, we'll protest about it, we'll mock it, we'll write books about it, we'll go on Oprah and agree about it........
But we all desire heaven.
Why? What is heaven? Can we seriously think we can ignore God here AND ignore Him in His home? Hey God, nice crib, I'll just hang out on the porch.
That's like if I could, right now as you're reading this, reach through the computer and punch you in face, and then tweet I just did it, but oh, can you loan me $20, I need some gas.
I think our grasp of eternity is off, or we don't even have one. Imagine it for a second. And what cracks me up about us, we'll try to experience God in our fullness rather than in His fullness. We don't even know the people driving on the streets outside of our apartments or homes but we think we have the understanding of God.
I'm learning that we have to be careful with ministering to our generation. We're wired to think about ourselves first. We've even corrupted hearing Jesus loves you. Like, of course He does, I love me some me. Don't we say stuff like that? Or rather, we act like that.
Here's the wrap up.
Don't fret my dear, this story always end good, for the ones who take heed. Because it takes you truly understanding the wrath of God and the sin that's attached to your body right now to understand how much God loves you. You can't understand the weight of Christ's love on the cross without understanding the weight of God's anger with you for sinning.
And we're all operating in free will right now, aren't we? You do know free will will eventually end. We may have a choice now of what we do and where we go, but that choice ends on sentencing day. You're either in, or you're out. God doesn't want you out, and neither do I. This blog is for your joy, not your happiness.
"The Lord is not slow in keeping his promise, as some understand
slowness. He is patient with you, not wanting anyone to perish, but
everyone to come to repentance" 2 Peter 3:9


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Thinking "Outside the Box" about the Bible
My friend Cliff Martin has written one of the best, most concise descriptions of the nature and purpose of the Bible that I have ever had the privilege of reading. He also makes some interesting remarks about the usefulness and validity of orthodoxy, something I've discussed here and there on this blog.
I strongly suggest that you go over to Outside the Box and read it. But in case you're too lazy, and because it so well expresses my own current thoughts, I'm going to reproduce a substantial part of it right here.
My friends who read the Bible as if it were the very inspired words of God see themselves as standing on the solid high ground of Fundamentalism, and see me as skidding down the slippery slope of that dreaded disease of Liberalism.
My detractors consider their beliefs to be orthodox, and mine to be aberrant. They are correct, of course, if by orthodox, they mean "traditionally accepted". But orthodox (ortho = right, doxa = opinion) simply means "the correct view." To claim that only a verbally inspired–inerrant–infallible–literalist view of Scripture is orthodox involves a good deal of presupposition. That is, it must be correct before it can be truly orthodox.
What if the correct view of Scripture is that it is not the inerrant, verbally inspired "Word of God"? What if the orthodox, correct view, is that it is an accurate journal of an historic people of faith, written by human beings, subject to their errors and misconceptions, but recording for our benefit their quest to know the Living God? If that is the case, then we should expect to find within its pages a rich heritage of growing, developing understandings about God; but we should also expect to find mistakes, discrepancies, contradictions, and a variety of other inaccuracies. And this is exactly what we do find!
Perhaps it is time for those of us with a less rigid view of the Bible to boldly declare our view to be orthodox! If my view is, in fact, more orthodox (as I believe it is!) then the less orthodox view of Inerrancy is both dangerous and misleading. This, I believe, is the case.
Inerrancy leads to distortions of the character of God. Sometimes, horrendous distortions. A few examples should suffice: In an inerrant Bible, God becomes one who endorses the practice of selling one's daughters as sex-slaves (Exodus 21:7-11). The God of the Inerrantist commands that children who sass or stubbornly disobey their parents are to be killed for their transgressions (Leviticus 20:9, Deuteronomy 21:18-21). If God were speaking through Moses in the pages of Numbers 31:9-18, then God followed the pattern of many military conquerors, rewarding soldiers with virgins for their sexual indulgence (or please, Inerrantist, explain what else is going on in these verses!). The God of the Inerrantist was, on occasion, confused about biology, as when he identified rabbits as ruminants in Deuteronomy 14:7. Furthermore, an Inerrantist must view God as sometimes raging out-of-control, one who had to be talked out of venting his rage upon the Israelite nation by the cooler-headed Moses (Exodus 32:7-14). This list could be expanded. We haven't even ventured beyond the first five books! But my point should be clear by now. Inerrancy is dangerous to a healthy view of God and his character. It leads to theological confusion and distortion.
On the other hand, if we understand these stories to be of human origin, expressing the views of Moses and his contemporaries, we understand these misconceptions to reflect an understanding of God in its infancy; we can excuse Moses as a human being who was in the process of getting to know his Creator, and who was inspired to record what he was learning, complete with theological misconceptions and factual errors.
There is much more in the original post, and he asks some good questions at the end. Do check it out!Tagged with: Ancient Near East • Bibliology • evangelicalism • fundamentalism • Hermeneutics • Inerrancy • Scripture • Theology
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Well I've figured how much I miss blogging after a long break away, so I'm BACK. Leaving my MA Blog behind to return to this neglected, empty (for now) one. Hopefully it'll my brighten up with exciting things in no time.
Today I've been working on my website, bit late in the day but it's done. It's just a simple thing through Wix, which I actually think is a very useful template for a first go at website building. Anyway, here it is:


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Weekend Evangelism Report–December 8, 2017
Feel free to read a recent report from our school's evangelism efforts. To God be the Glory. Chad
The staff and students of Nigeria Christian Bible College (NCBC) Ukpom Abak are keeping the ball rolling. With the funds sent by brother Chad at ACSF, the college is able to sponsor students at least once a month to work with congregations in different local government areas. During the weekend of December 8-10, 2017 we sent out 30 students to work with twenty five congregations in Abak and Uyo local government areas. This monthly evangelism have exposed students to practical work in the field and has helped to strengthen our relationships with congregations where our students have worked with. From the reports submitted by the students one soul was baptized, three restorations were recorded and 110 personal calls were made and two open air services were conducted. Notable events happened in the following congregations.
At church of Christ 18 Ebom Avenue, the students were treated with sumptuous meals by the ladies of the congregation, I joined them in one of the meals as you can see in the picture.
Five students were sent to church of Christ, Ibagwa opposite Army Barrack, students preached from house to house and conducted open air lectures and one soul was baptized. At Ibagwa, the students were given
N10,000 by this small congregation.
At C.O.C. Ebom Avenue, two students were given N10,000 ($27).
At church of Christ, Ikot Obio Mkpong, Ikono Uyo, the students spoke in the General gospel meeting and answered many questions and three souls were restored.
Two NCBC staff Uyai Joshua and Anameti Akpan went on Saturday to see the students at work other staff members were busy preaching in lectureships and gospel meetings.
Thank you very much for your support.
Uyai S. Joshua


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"Abraham said, 'If they will not listen to Moses and the prophets, neither will they be persuaded if someone should rise from the dead.'"
Jesus was doing a little foreshadowing in this particular Gospel passage, wasn't he? He knew that even when He rose from the dead there would still be people who wouldn't believe.
Guess what? That's true even today. Yes, there are people who do not believe that Jesus died and rose from the dead. For those of us who do believe, it is unfathomable to us that people cannot find it in their hearts to try and understand the mystery of the Gospels. We find them so compelling, we find Jesus Christ so compelling, and we know that He has worked His love in our lives and have seen the evidence for ourselves.
That is why evangelization is so important, because we must share our personal stories with others. It is these personal stories that people find more compelling than words on a page, even when the word on the page is from God Himself. Conversion of hearts will occur when all of us are willing to put ourselves on the line for Jesus. When we are willing to finally stand up in our community and say exactly what we believe, with no fear of the mocking and the jeering that might come our way, then and only then will we truly be converting the minds and hearts of the people.
We must be willing to live out the truth of the Gospel with no fear. Jesus says, "Be not afraid!" and yet we are. An alternative to fear, in my mind, is unbelief. That alternative scares me! I find it far more frightening that we have people in our parishes coming to Mass every week, who are just hedging their bets. That strikes fear in me because it is a more daunting task to convert the cynical than to reach the hearts of those who believe that God exists, but don't know what to do.
Let us pray this week for the conversion of the cynical and for the fortitude to evangelize those who long for the love Christ in their lives. May God bless us all!


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May 2016 Newsletters
Private Flood Insurance Reform Has Finally Begun
Heightened Cybersecurity Standards for Payment Data Security Introduced
Agencies Release Guidance on Deposit Reconciliation Practices
It's Not Easy Being Small- One General Concept, Many Regulations.
Private Flood Insurance Reform Has Finally Begun
This past Thursday, the U.S. House of Representatives voted unanimously in favor of a bill that's designed to open the floodgates, if you will, to private flood insurance in the market. The Flood Insurance Market Parity and Modernization Act (H.R. 2901) passed by a 419-0 vote and is intended to make it easier for private flood insurance policies to meet the mandatory purchase of flood insurance requirements for designated loans.
Prior to this, private flood insurance could already be obtained and, in fact, was required to be accepted if it satisfied certain criteria. Despite this, there continues to be a huge bias in favor of policies issued by the National Flood Insurance Program (NFIP) and, indeed, the government program currently underwrites the vast majority of commercial and consumer policies.
The main reason for this is probably because private insurance policies have been required to meet such stringent criteria to qualify, there has been little incentive for private competitors to enter the market. The Biggert-Waters Flood Insurance Reform Act mandated acceptance of private flood insurance policies if the policy met certain standards, which essentially amounted to being "at least as broad as" an NFIP policy.
The new bill intends to loosen these prohibitive restrictions on private flood insurance and open up the market to competition from private insurers. State insurance regulators will now be given the authority to determine the criteria for acceptable private flood insurance policies, rather than having uniform standards apply nationwide.
Another unique part of the bill is that it truly gives the borrower the freedom to shop for the best coverage—whether it be from a private insurer or from the NFIP. A borrower won't have to choose permanently between the two providers from the outset, but rather, will be allowed to try a private flood insurance policy and then move back to an NFIP policy if it better suits her needs. Further, the borrower's policy rate will remain grandfathered as long as she doesn't allow coverage to lapse.
Flood insurance will never cease to be a complex regulatory requirement and an onerous one to many. Most will agree, however, that this new bill is probably as close to a win-win-win situation as you can get. Private flood insurers will finally find it profitable enough to seriously enter the market, consumers will benefit from reduced costs as a result of increased competition, and to be honest, the debt-ridden NFIP will likely be thankful that some of its load will be lifted. There's a host of other potential benefits that should not be overlooked either, like more comprehensive coverage and new types of insurance that hadn't been available previously through the NFIP.
The bill will move to the Senate next, but is expected to pass given the overwhelming support it got in the House. Read more about the Flood Insurance Market Parity and Modernization Act here:https://www.congress.gov/bill/114th-congress/house-bill/2901.
Heightened Cybersecurity Standards for Payment Data Security Introduced
On April 28, 2016, the PCI Security Standards Council announced new standards for payment data security. These will require anyone accessing cardholder information to use multiple methods of authenticating the identity of those who are able to access systems that hold said data. The PCI Data Security Standard version 3.1 is scheduled to expire on October 31, 2016 and this version, 3.2, will replace that version in an attempt to stem the ongoing threat of security breaches related to customer payment information. The PCI Security Standards Council strongly suggests beginning to follow these practices as soon as possible instead of waiting for the deadline. The hope is that these standards will help find, prevent and react to cyberattacks on payment information.
What are multi-factor authentication standards?
The current PCI standards require a two-factor authentication process that calls for two validation methods for any one request to access a system. As PCI notes, authentication identifiers revolve around three basic points: 1) Something you know (like your password); 2) Something you have (like a card or a FOB); and 3) Something you are (like a fingerprint or biometric ID). For example, when you purchase something at a store you physically have the card and in addition, you have a pin number. Another example is when you need to create a new account or verify an existing account by entering your password, but then get a text message with a code to enter or a security question to answer. Those are examples of two-factor authentication. Multi-factor, of course, indicates that combinations of at least three or more factors are to be utilized.
What is the PCI and do we have to follow their standards?
The PCI Security Standards Council is a global council that works to set and improve standards for payment account security. Payment account systems include card brand networks. Visa, MasterCard, Discover, JCB International and American Express were all founding members and incorporate the Data Security Standards as part of the requirements for their compliance program. It's really important to note that these standards are discussing access to systems that have cardholder data and do not, for example, require quadruple authentication for customers to use their debit card. So, do financial institutions have to be concerned with PCI? Most likely - if your bank distributes/issues/uses those types of branded cards, it is almost certainly part of your agreement with the card brand. So whether your cybersecurity is dealt with mostly in house or by a vendor or both, it's imperative to ensure these updated requirements are understood and complied with. It's also crucial to note that even if the actual procedures related to accessing systems with card data are mandated or handled by a vendor, financial institutions should ensure that the standards being followed are those required by regulatory guidance and also, contractual requirements set forth by business relationships. As such, it may be time for your information systems or cybersecurity team and/or vendors to look into updating systems or policies, as needed, to move towards multi-factor authentication.
You can find more information about the new standards, the PCI Security Standards Council and Authentication standards here:https://www.pcisecuritystandards.org/.
Agencies Release Guidance on Deposit Reconciliation Practices
On May 18, 2016, the FRB, CFPB, FDIC, NCUA and OCC issued guidance on regulators' expectations regarding deposit reconciliation practices. Deposit reconciliation relates to discrepancies between what a customer indicates they are depositing versus the actual check amount. These issues can be customer-based – incorrectly filling out the deposit slip or indicating the wrong amount during an ATM or RDC deposit or technology-based – system errors or illegible deposit capture.
This guidance relates to the fact that many banks have had a de minimus practice related to resolving these discrepancies set at various amounts. As you may remember, a CFPB Consent Order was entered against RBS Citizens Group, Inc., who had a system in place wherein if the amount of a discrepancy was below a certain threshold, the bank would not verify the discrepancies between the deposit slip and the item. The bank's general ledger was then credited or debited with the difference between the amounts to the tune of $12.3 million dollars in total. Additionally, the bank's advertising and account agreements were found to have either explicitly stated or implied that every deposit would be verified when they weren't. Citizen had their thresholds set quite high - $25 to $50 whereas many banks use much lower thresholds for example, one to five dollars. As such, since last summer, banks have wondered what this consent order really meant for their deposit reconciliation practices which the agencies have now clarified. Most importantly, the Agencies did not use this guidance to set any sort of de minimus threshold, not even for amounts under one dollar. The expectation from this guidance is that technological processes allow fully reconciled discrepancies (except of course, where the item is completely damaged or illegible).
In addition to the expectation of full reconciliation, the agencies have indicated that Deposit Reconciliation programs could lead to Regulation CC violations and issues since the full amount of the customer's deposit isn't being made available within the regulatory time frames. The Agencies have also indicated that not providing the customer the full amount of their deposit may lead to violations of the FTC Act's and Dodd-Frank's prohibitions against unfair or deceptive acts or practices. While many banks have discussed the issues with manpower related to reconciling every penny, the Agencies' bottom line relates to bank's adding to the general ledger, even penny-by-penny, via unearned funds due to not fully reconciling amount. The general supervisory expectation is looking at procedures and policies that allow banks to avoid reconciling at the detriment of their customers.
Therefore, if your bank does have a threshold amount for deposit verifications, now would be a good time to ensure that the appropriate checks are in place to avoid under-crediting your customers and if there is any room for improvement the accuracy of crediting customer deposits. In addition, it's critical to ensure disclosures and advertising is accurate as to deposit verification. As with any change or update in regulation, guidance or bank policy, employee training on this matter is important, as well. Given that there has been guidance AND a consent order on this issue, this is a red flag item that may come up on your next exam.
It's Not Easy Being Small- One General Concept, Many Regulations
Wouldn't it be wonderful if there were just one standard by which banks could qualify as "small banks" and therefore be exempt from, or be subject to less exacting standards under, certain federal regulations? Alas, in an industry regulated at the federal level by four distinct agencies overseeing a myriad of different laws, this is far from the case. As a potentially small creditor or servicer, it's helpful to have a handy roadmap that can guide you in the right direction in this regard, so we'll cover the steps needed to constitute a "small" institution in four key areas: examinations; the Community Reinvestment Act (CRA); the RESPA servicing and Truth in Lending Act (TILA) billing statement provisions; and the rest of TILA.
Regarding examinations, just this past December, the FAST Act changed the threshold for an 18-month safety and soundness exam cycle from assets of less than $500 million to assets less than $1 billion. Accordingly, if your assets are under $1 billion, you now will only be subjected to a safety and soundness exam from your federal regulator once every 18 months. This change has been reflected in the most recent version of 12 CFR §337.12(b), and was made effective in the Federal Register on February 2. See 81 FR 10069, foundhere. (As an additional wrinkle, note the prior regulation containing the examination frequency, 12 CFR § 390.351, was removed for redundancy.)
For the CRA, the "small bank" standard is adjusted annually, based on the current average in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Currently, that threshold sits at assets of less than $1.216 billion. Within that subset of "small bank," the "intermediate small bank" category, which requires an additional community development test for CRA performance standards, is any institution with assets between $304 million and 1.216 billion.
RESPA and the billing statement requirement in TILA both have identical requirements for smaller institutions. To be exempt from most of the RESPA servicing provisions and also the TILA periodic statement requirements as a "small servicer," an institution must be currently servicing 5,000 or fewer mortgage loans as either the main servicer, an affiliate of the main servicer, or an assignee of the loans. This exemption does not get you out of all the RESPA servicing provisions—for example, you still must wait 120 days from delinquency in order to bring a foreclosure action. Nevertheless, being a small servicer does relieve you of most of the loss mitigation and billing requirements.
For the Higher-Priced Mortgage Loan (HPML), Ability to Repay/Qualified Mortgage (ATR/QM) and Home Ownership and Equity Protection Act (HOEPA) provisions of TILA, which apply to "small creditors" rather than "small servicers," the standard is different. It's less than $2,060,000,000 (2.06 billion) in assets, and no more than 2,000 closed-end, consumer-purpose and dwelling-secured transactions originated in the last year, excluding loans held in portfolio. Keep in mind that HPML, HOEPA and QM Balloon loan exemptions carry the additional requirement of "rural or underserved"—as of March 31st, 2016, the creditor must make at least one loan in a "rural" or "underserved" area as defined by the regulation within the last two calendar years in order to be exempt under those provisions.
Is your head spinning yet? Let's recap: for federal safety and soundness examinations of an 18-month cycle, a "small institution" has $1 billion or less in assets. For CRA, a "small bank" has less than $1.216 billion in assets ("intermediate small bank" has between $304 million and $1.216 billion). For RESPA Servicing and TILA Monthly Billing, a "small servicer" has less than 5,000 serviced mortgages. And for the rest of TILA, a "small creditor" has less than $2.06 billion in assets and less than 2,000 non-portfolio Regulation Z loans originated in the past year, with the possible kicker of needing one loan in a "rural" or "underserved" area within the past two years. Whew! The federal agencies have stated numerous times that they both recognize the added regulatory burden on small institutions and wish to alleviate it, but based on a tangled web like this, it sure doesn't seem like it. Hopefully there will be an attempt in Congress to streamline all of these exemptions into one single, easy-to-reference rule or regulation soon—until then, the best course of action is simply to keep track of all these separate requirements, stay alert for any changes or threshold updates, and contactCompliance Alliance if you have any concerns.


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Ever since the beginning of college, I have been highly intrigued by the complexity of the nervous system; how simple cellular components organize themselves to create the highly complex organization. Although, any life form is capable of processing information using energy, the nervous system is the most efficient biological entity that exhibits the highest efficacy of information processing. All of the capabilities of the nervous system (e.g. taking conscious decisions) are the consequence of its complexity. I want to study how nervous system demonstrates those extraordinary capabilities through the work of neural circuits, neural networks, and various cellular events. I also want to learn about the genetics and molecular biology behind those events.
I have always wanted to pursue the higher education in neuroscience. I could not do so because of the unavailability of any such graduate program in my country. There is a National Institute of Neuroscience but it is conducting research with limited scope. Although I am currently enrolled in a one year master's program in Biotechnology, the degree is not sufficient to equip me with the knowledge to join a research profession. Therefore, I want to study in a renowned institute in the United Kingdom where I can use the state-of-the-art facility to advance towards my career goal. After I have acquired an MSc degree, I plan to go for a PhD in neuroscience and then join academic teaching and research career in my country.
During the undergraduate study I took courses belonging to Biology, Physics, Chemistry, Computer Science, Biostatistics and Bioinformatics. At first I learned about the nervous system in detail through the human physiology course. It intrigued me so much that I started watching online video lectures from renowned universities about the brain, neural network, neural circuits, machine learning, and artificial intelligence. However, my university does not offer any course dedicated to neuroscience. I trained myself by attending various seminars arranged by the National Institute of Neuroscience where my interest grew into a passion. Through various posters and oral presentations, I have explored those areas of neuroscience that interest me most, ranging from mechanism of the dream and the effect of music on nerve development to the application of neural networks.
The research experiences I have acquired during the last two years helped me grow the expertise required for graduate school. I observed the pattern of multi drug resistance in diabetic patients who were infected with urinary tract infection (UTI) and were not treatable with any available drug, under the supervision of Professor Mohammed Nazmul Ahsan. I conducted a research on bacteriocin production during the summer of 2013 under Dr. Mohammad Shahnoor Hossain. During the summer of the current year, I worked as a research assistant in his lab and exploited various techniques of computational biology to predict drug and vaccine targets. We have also used receptor-ligand interaction for the study of disease mechanism through structural analysis of proteins. This experience was particularly helpful in teaching me graduate level mathematics required for biology; such as, linear algebra, calculus, algorithms and so on. Currently I am trying to develop new drug to treat multi drug resistant UTI. The quantitative and experimental skills I have gathered during these years are relevant to any biology lab.
My motto of life does not end in finding a career that only enriches me. Rather, I aspire to affect the quality of life of a large number of people. Spawning from this vision, I have been always happy to contribute to any social and cultural organization. The leadership and public relation experiences achieved through those activities have taught me how to collaborate in a group to drive people towards the expected goals.
Based on the background and skills, I consider myself a perfect fit for the neuroscience MSc program of the University of Oxford. This program has drawn my attention because of its diverse coverage of research areas and the publications by the faculties in reputed journals. Here, I am mentioning the name of some supervisors with whom I wish to conduct research. I am interested to work with Professor Timothy Behrens working in computational neuroscience, Professor Nigel Emptage working in development and mechanism of synaptic signaling, Professor Stephen Goodwin working in evolution of neural circuitry responsible for sexual behavior, Professor Kristine Krug working in neural basis of visual perception and decision-making, Klaus Ebmeier working in neuroscience of aging, Sonia Bishop working in cognitive neuroscience, Michael Kohl working in synaptic mechanism, and Dr Liliana Minichiello working in cellular and molecular neuroscience. However, I would like to work in any laboratory on systems, molecular and cellular neuroscience.
The University of Oxford has a heritage to produce a fair number of academicians who are the leaders of the community. As my goal is to follow their path by building a career in my country, it will be a great opportunity for me to obtain a master's degree from this well-known university.
Monzilur Rahman's Diary Daily Life Opinion Personal Statement of purpose I wrote while applying for MSc in Neuroscince in the University of Oxdord


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1. I'm very bad at doing nothing. - In fact I'd go as far as saying I don't really know how to do nothing. I'll read a magazine, cook dinner, watch a program on TV and talk on the phone at the same time. If I find my life in a lull, I get antsy and sometimes feel like I am not being a good steward of my time. Right now I'm volunteering with several organizations, decorating our home, planning for the holidays, juggling day-to-day life as a wife/employee/daughter/friend/ etc.
2. I am particular where things go. Everything has a place! - I thrive when my environment and life are uber organized.
3. I have to have "me" time. Sometimes it's just nice being by myself, spending time in the Word, and relaxing. I've learned to enjoy me, and I simply love that peace.
4. Sometimes if I don't have anything to say, I don't say anything. Really!! I get accused of talking all the time; however, I have learned, over the years, to keep my mouth shut! I just smile and listen. And through that, I've learned it's much more powerful to listen than to talk.
5. I am loyal to a fault.
6. The Lord has called me to be an encourager! I love putting smiles on people's faces and speaking words of life into situations. So many times life surrounds us with negative, depressing, confusing, guilty, judgmental thoughts. However, the Lord leads us to a life filled with hope, peace, joy, love, patience, and kindness. Sometimes just speaking those things to people can bring true understanding of what life should really be about. And, when we have peace, we have everything.
7. I am very trusting. So many people tease me that I am the most gullible person they know; however, I take people on their word and expect them to stand behind what they say they will do.
8. I have NO tolerance for drama. Causing drama is silly and a complete waste of time. And, I simply ignore it.
9. I have five (5) best girl friends. These ladies are my rocks and complete blessings from the Lord. I tell them EVERYTHING, and truly let my guard down & am myself. They know things about me that no one else knows; however, they love me anyway. I would drop anything to be there for them, and will always love them more than words can express. I may not see them every day; however, they are my heart!!
10. Starting a family is on my radar………..not today, however, in the coming years!
Have a great Monday, and I hope you enjoyed learning a little more about me.
Much Love!


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In this course we look at the concept of the human resource specialist being a consensus negotiator. This is one of the seven fundamentals of contemporary HRM: a broadening of the personnel/HR role to encompass the situation where managers were no longer in a position to make unilateral decisions. It was necessary to win employee consent.
We look at the progress of employee relations and the concept of employee involvement. Involvement is largely concerned with preventing or alleviating the alienation that can arise between employee and management in the execution of particular jobs. As many employees may be included, procedures for involvement need to include a collective approach and possibly the recognition of trade unions.
We then go on to look at health, safety and welfare. First we consider some definitions and then look at the development of this area in relation to personnel management. Legislation has been built up to cover many aspects and we look at this in detail. In the 1990s, concern about working conditions that prevailed in earlier years is replaced by issues of stress and concern for the individual operating in today's social and business environment.
Course Syllabus
Trade Unions in Today's Business Environment
Strategic Aspects of Employee Involvement
Trade Union Recognition and Consultation
Health, Safety and Welfare
Further Reading
Tutor-marked Question Paper
On completion of your course, you will receive two certificates:
Certificate 1 is issued by Stonebridge Associated Colleges: Management, Unions and Employees (Byte Size Skills Course) Certificate
Management, Unions and Employees (Byte Size Skills Course) Certificate issued by Stonebridge Associated Colleges, to view a sample of the college's award, please click here.
Tutor Support
With this course you will have unlimited access to your own personal tutor who specialises in their field of study. It is your personal tutor's role to ensure that you receive constructive feedback and to deal with any queries you may have. You are more than welcome to telephone, fax or email your personal tutor.
You will also have access to a dedicated and friendly team of administrators and course advisors who offer sound and professional guidance and advice when you need it. This ensures that you will never feel neglected and that you will always succeed!
Requirements for Entry
There is no experience or previous qualifications required for enrolment on this course. It is available to all students, of all academic backgrounds.
Study Hours
This is only an approximate figure and is dependant upon how much time you can dedicate to your studies and how well you grasp the learning concepts in the course material. Furthermore, at the end of each lesson there is a question paper that needs to be completed and returned to your tutor. You should allow at least 1 - 2 hours of study to complete each question paper.
The approximate amount of time required to complete the course is: 20 hrs.
Additional Information
After each lesson there will be a question paper, which needs to be completed and submitted to your personal tutor for marking. This method of continual assessment ensures that your personal tutor can consistently monitor your progress and provide you with assistance throughout the duration of the course.
You will need to read Chapters 26, 27, 28 and a small section in Chapter 6 from the textbook Human Resource Management (1998) 4th edition, Derek Torrington and Laura Hall. Hemel Hempstead: Prentice Hall International.
What's Included
* All study materials
* Study Guide
* Full Tutor and Admin support
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Questions about this course? Contact Student Support / Course Advisors
Enrol by phone: call 0845 65 22 187 quote course code 557
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UPDATE: After the race, the organisers handed out multiple time penalties for FCY infringements. You can read about the penalties, and how they effected the overall order HERE
SMP Racing earned a historic victory at the 2017 running of the 4 Hours of Le Castellet, scoring the first ever win for the Dallara P217, after a faultless performance from Matevos Issakyan and Egor Orudzhev which saw them cross the line a minute and a half ahead of the competition. It was also SMP Racing's first ever LMP2 victory and in only the team's second race with the Dallara.
The Russian duo took the lead after the first set of stops, and didn't look back, leading almost the entire race from there on.
"It feels amazing, we did everything right, we didn't make any mistakes. That's the result we were aiming for, really happy we got it," said a delighted Isaakyan.
"The FCY periods at the end helped us too, as we only had to pit four times and didn't need a splash. It was a gamble but it worked."
Finishing second was the #22 G-Drive Racing by DragonSpeed ORECA 07, the trio of Memo Rojas, Léo Roussel and Nic Minassian fighting hard to the end, but unable to catch the leaders in the second half of the race. It was an important result for the G-Drive Racing crew, by finishing in front of the United Autosports Ligier, they've extended their championship lead to seven points.
Roussel in particular starred in the car, which suffered from poor tyre degradation throughout the race, spending over half of the race behind the wheel.
"I did two hours and 10 minutes in the car, which wasn't planned," Roussel said. "Credit to the SMP guys, they had a perfect race."
The United Autosports JS P217 limited the damage to its title challenge though, by finishing third and on the podium. Will Owen, Hugo de Sadeleer and Filipe Albuquerque had to spend much of the race recovering from a costly spin on Lap 1 after being tagged by the Villorba Corsa Dallara which lost them over 30 seconds. All three drivers drove well, and managed to collectively climb the order from dead last in LMP2 to claim silverware.
"I was just concentrating on the SMP car ahead and taking the corner," de Sadeleer said when asked about the start. "I didn't know what happened, I just got smashed. I thought maybe it was my line, but after looking at the replay he just went too fast into the corner."
"It destroyed our race really," added Albuquerque.
Just off the podium was the #39 GRAFF ORECA, which looked set to take a podium place but faded late in the race, Paul Petit losing third to a hard-charging Albuquerque in the final hour. Fifth was the #23 Panis Barthez Ligier JS P217 which looked good during the opening hours but a couple of spins proved costly towards the end of the race.
Falb and Rayhall masterful for United in LMP3
In LMP3, a fight through the field from Sean Rayhall secured himself and John Falb their second win of the season in the #2 United Autosports Ligier. Falb had to fend off a late charge from the Inter Europol Ligier of Martin Hippe, but got the job done.
Rayhall started down the order, and slipped to seventh in class in the opening hour, but before handing over to Falb, had climbed the order and taken the lead, the American slaloming through the field.
"It might have been the best stint of my career," he said upon reflection. ""We went for a low downforce set-up and that proved to be a big mistake. I couldn't believe it when the team told me I was in the lead.
"It meant we had to drive perfectly to get the best out of the car and both pf us did that, the times weren't too impressive but as a stint I reckon the second set of tyres saw my best run in a race car ever in terms of positioning the car, using what we had to the best possible effect."
For most of Falb's stint to the flag it was about damage limitation to secure the duo another victory.
"They told me that the gap was down to six seconds with 15 minutes left, that I should just go for it!" he told DSC.
The fight for the lead at the end could well have played into Inter Europe's favour, the Polish team and drivers Hippe and Jakob Smiechowski having a trouble-free and pacey run in a race where most of the other teams made errors and faltered. Hippe's charge to the front was interrupted twice by FCY periods for stranded LMP3 cars though, which left the German with little time to close the gap before the end of the race.
It was nevertheless an incredible performance from the Polish team, scoring its best ever ELMS finish, and first podium.
The final place on the rostrum went to the #18 M. Racing YMR Ligier, which was in the mix throughout, finishing just 26 seconds off the lead by the end of the race. Fourth was taken by the the #11 EuroInternational Ligier, ahead of the #16 Panis Barthez JS P3 in fifth.
The results mean that the #2 United Ligier edges further to winning the title, with a 12-point advantage over the #18 Yvan Muller squad ahead of the round at Spa.
Spirit of Race converts Pole to victory
In GTE, the #55 Spirit of Race Ferrari 488 trio of Aaron Scott, Matt Griffin and Duncan Cameron took a comfortable win from Pole, ahead of the #90 TF Sport Aston Martin and #66 JMW Ferrari.
"We had a great car today, our job was pretty easy," said Scott. "We managed the tyres all day, but in truth the real story here is our Race Engineer Luca. He was spot on at every point. He told us what we needed to do and we all went out to deliver that.
"We couldn't have hoped for any better than this," added Cameron.
At the start of the race the Proton Competition Porsche of Christian Reid snatched the lead, but Aaron Scott fought back at the final turn a few laps later. From then on it was a perfect performance from the Red Bull Ring winners, Cameron and Scott handing the car over to Griffin for the final stint with a lead of over a minute.
Second eventually was taken by the TF Sport Aston Martin which struggled for pace for most of the race after damage to the front upset the car's aero. Nicki Thiim, Salih Yoluc and Euan Hankey recovered though, and took second from JMW in the closing stages of the race after the team's Ferrari had to serve an extra 10 seconds at its final stop due to a pit stop infringement.
As a result, JMW Motorsport, and drivers Jody Fannin, Rob Smith and Johnny Cocker had to settle for third place, after running second for most of the final two hours.
The sister Spirit of Race car finished up the day fourth, ahead of the Beechdean AMR Vantage which like the TF Sport car, carried damage to a dive-plane for much of the race after Andrew Howard made contact with a prototype.
Next up for the ELMS runners is the 4 Hours of Spa-Francorchamps next month.


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Long Ideas
- SNE - Nice solid up day on strong volume. I like Sony as a play on 3D in the home. Would consider a long on a break above 37, but would prefer to look for a pullback to 35.50-35.75 if we get it.
Short Ideas
- COT - Price gapped lower back on Jan 19, falling back below the 8.50 breakout level. After falling to as low as 7.68, it has since rallied but is coming up to solid resistance between 8.35 and 8.50. Good risk/reward short here with a stop above 8.50. Support @ 7.50. A break back below 7.50 would setup a significant move lower.
- MSCI - Price has been weak since the beginning of the year, and has since found some support here around 34. Decent short setup on a break below 33.75. Target 29.


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Latest media releases
UBS Asset Management's Global Real Estate business appoints Paul Guest as Lead Real Estate Strategist
London, 16 December 2015 – UBS Asset Management's Global Real Estate business has appointed Paul Guest as Executive Director, Lead Real Estate Strategist. UBS Asset Management's Global Real Estate business has EUR 63 billion assets under management (as at September 2015) across Europe, the Americas and Asia Pacific.
As Lead Strategist, Paul will be responsible for identifying and advising upon risk-adjusted return opportunities and providing global market forecasts. He will also have responsibility for the co-ordination of UBS Asset Management's house view on real estate investment markets, which draws upon the research of its regionally-based research teams.
Paul will also be responsible for supporting multi-regional investment mandates with qualitative and quantitative analysis of cross-regional economies and investment markets. In addition he will liaise with UBS's wealth management and investment banking businesses.
Paul joins UBS following four years at LaSalle Investment Management, where he was most recently Regional Director of Research and Strategy, Asia Pacific. Prior to that, he held the roles of Global Capital Markets Research Director, Head of EMEA Research and Director of UK Research for Jones Lang LaSalle, where he was for four years. Paul formerly spent three years with Moody's Investors Services and was at the Bank of Nova Scotia for two years.
William Hughes, Global Head of Real Estate Research & Strategy commented, "Paul will be fulfilling a crucial client-facing role within our real estate business, providing a macro view of the real estate sector within the wider global context whilst offering informed views of how it sits within a multi-asset portfolio. Paul is a high calibre hire for UBS as we look to build and further leverage our research capabilities, with continued focus on our research-led investment strategy."
Paul Guest said, "While cross-border real estate investment isn't a new phenomenon, we are seeing a broader array of investors going global with ever-increasing capital flows, despite some brief reversion to home markets after the Global Financial Crisis. Advising clients on the relative performance of markets and sectors across the globe and explaining the benefits and costs of different market entry and exit strategies will be a key focus of mine. As the asset class continues to grow and mature, I will be working to place real estate in the context of a multi-asset landscape and to help clients define and execute their global real estate investment strategies."
Paul holds a BA from the University of Toronto (CA) and an MSc from the London School of Economics (UK). He is a member of INREV, ANREV and the Society of Property Researchers (SPR). In 2012-2013 he was Chairman of ANREV's Research Committee.
Media contact
FTI Consulting
Richard Sunderland / Claire Turvey / Ellie Sweeney
Asset Management
UBS Asset Management is a large-scale asset manager offering investment capabilities and investment styles across all major traditional and alternative asset classes. We take a connected approach to find the answers to our clients' investment challenges. Our capabilities include equity, fixed income, currency, hedge fund, real estate, infrastructure and private equity investment capabilities that can also be combined into multi-asset strategies. Our Fund Services unit provides professional services including fund set-up, accounting and reporting for traditional investment funds and alternative funds.
Invested assets totalled EUR 583 billion as of 30 September 2015. We are a leading fund house in Europe, the fourth largest international asset manager in Asia, the largest mutual fund manager in Switzerland1 and one of the largest und of hedge funds and real estate investment managers in the world.
UBS Asset Management's Global Real Estate business actively manages real estate investments of approximately EUR 63.3 billion2 globally and regionally within Asia Pacific, Europe and the US, across the major real estate sectors, making it one of the largest real estate managers worldwide. Its capabilities are focused on core and value-added strategies, but also include other strategies across the risk / return spectrum. These are offered on a global, regional and country basis and through open- and closed-end private funds, REIT's, customized investment structures, multi-manager funds, individually managed accounts and real estate securities.
This material is provided for information only and is not marketing. Issued by UBS Asset Management (UK) Ltd. Authorised and regulated by the Financial onduct Authority.
1 Source: Morningstar/Swiss Fund Data Swiss Promoters Report
(as at 30 September 2015)
2 Asset under management stated on gross asset values basis, reflecting
property values as at 30 September 2015. Includes assets managed
by our joint venture with Mitsubishi Corporation, Japan


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