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Key elements for the FinTech industry in 2019
There have been significant changes in the structure and technology of the financial services industry since 1945. In most cases of step changes, traditional banks with their vertical structures and fee-based business models, succeeded in absorbing the technological innovation into their existing structures successfully. Some of the main highlights:
|The first credit card (BankAmericard)
|Telex and SWIFT Transfers
|Debit cards
|Internet Banking
|Mobile Payments, Crowdfunding, Cloud computing
|Crowdfunding, Cloud computing
|Cryptocurrencies, E-wallets, robot advisors, big data analytics
Up to the 1990s this absorption was successful. Since the 1990s it has become less and less successful and a larger of number of new players have entered the industry to challenge the dominant position of banks, as well as influencing other sectors by knock on effect or by selling new services to the banks.
This process of innovation has begun to change the banks themselves. Which is in the interests of consumers. The Fintech revolution has been a positive force in disrupting the industry.
The driver of these changes has been the marriage of technology and finance in multiple directions and the level of investment this has attracted. The levels of investment are increasing. "According to Accenture reports, $27.4 billion were poured into fintech startups in 2017 worldwide, compared to 18% in 2016". This doubled in the first half of 2018: "with $57.9 billion invested across 875 deals, a significant increase from the $38.1 billion invested in all of 2017, according to the KPMG Pulse of Fintech".
With these levels of investment, the Fintech sector will see further evolution in 2019 with new business models continuing to emerge and scale as the industry continues to transition from a traditional vertical organisation model to a more fluid horizontal organisation model. One of the virtues of the horizontal structure is that it attracts, retains and awards talent in a flexible manner. In the UK and US, access to migrant pools of talent is drying up. So, competition for those tech migrants who can still arrive and for home grown talent is growing. The successful start-ups that make it to sale need to be around a little longer to maximise the opportunity of being bought up by the bigger players. It is not just the big banks and finance houses that are hovering up fintech start ups that prove they have longevity. It is also the mega tech companies that are moving into the space.
The UK will face some significant challenges post-Brexit. A number of financial institutions will move some or all of their operations into the Euro Zone so the need for new investment and the search for new markets will demand greater flexibility from Fintech innovators. They will need to develop options for development that are both financially nimbler and more flexible in terms of human capital and partnerships. Brexit should be seen as an enforced opportunity to explore new global markets which have either been traditionally aligned with the UK but perhaps neglected in favour of easier to access European markets, for example the GCC, or would represent significant new ground but sit outside the EU -for example the well developed economy of states like Georgia and the under-developed financial services sector across central Asia. To access these markets Fintech companies will need talent. This will mean a much more flexible, open and diverse human resources strategy and some heavy investment by the industry in human capital development in the UK. With the ending of the large EU investments in frontier technology, like Horizon 2020, industry and government will need to work together with the university sector and the apprenticeship system to ensure that the skills gap does not widen in the post-Brexit environment.
The shape of the services that companies offer will refine further. The focused mono lines of service and product provision will increasingly form scalable businesses in almost every part of the value chain. Trust in a brand to deliver is at the heart of the relationship between the consumer and the fintech provider. That Trust is built by associating the brand with the provision of a specific piece of expertise, which overtime builds the relationship. But it is also based on understanding the difference between a user and a customer: "bottom line: users use and customers buy". Understanding this difference is key to breaking down the virtues of monoline – focus, expertise, delivery, pricing through economies of scale and direction of technology and flexibility to adapt and respond to a single service or product delivery when not combining this with multiple delivery channels. This comparative advantage in monoline delivery can be taken to scale if the difference between the user who comes to experiment and derive benefit from the free version of the product or service is converted in the customer journey to the purchaser who buys the product and full functionality and then stays loyal as the offering improves. All the user wants is basic functionality to get their task fulfilled. If the product or service does this then they might stay but if it fails at any point they will click on. The secret to scaling a Fintech business is keeping them around so that they become customers and driving those who are predisposed to becoming customers to your app as often as possible.
The heart of the conversion of an individual from user to a customer is their choice process. This process is not only rational. Rational choice theory, the basis of much economic analysis, presents human beings as rationally driven actors who will maximise their utility, the benefit to themselves, in every interaction. That benefit is most often described in one dimensional material terms – the economic benefit to themselves. You would think that Fintech would be an industry in which this rational choice model of the world would operate at its most pure form. In fact as social psychologist Siemon Scamell Katz and others have shown, human beings make decisions based on emotion, culture, context, memory and then, rationality. Or rather human rationality constructs that which benefits it most from much more than simply the material. The user may move on because the App, while doing everything and more that they need, does not feel right! The colours are wrong. The font reminds them of an old partner. The user may become a customer because they just had a really good coffee. They will stay if all of their needs are then met and that means getting the job done but also making them feel good.
For the monoline provider the future is threatened by the elephants increasing entering the Fintech room – the FAANGS are growing in presence and delivery. Facebook moving into real estate, Apple Pay here and growing, Amazon credit cards and pay and Netflix and Google on the way. FAANGS aim to deliver everything. For much of the Fintech start-up scene this will be the big opportunity if your objective is to exit. If you want to play a long game the competitive environment will get tougher and tougher the more these big players going after consumers money management. But the eventual rewards will considerably be enhanced if you stay in the game for longer.
Nadeem Shaikh, the former CEO of Anthemis, is a Fintech visionary and thoughts leader


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The lab is growing. We warmly welcome Lea Krätzig and Aaron Vetter—two new student research assistants in the lab. They will try to fill the big shoes that Clara, Olga, and Jan have left vacant after finishing their studies. No reason to be sad. We are very happy that all three of them will stay … Continue reading New people in the lab—and old people in new positions
Category: people
Welcome Anna, Frederik, Lisa, Hannah, Karl, and Susan!
Our lab is growing! A warm welcome to Anna who joined us as a Post-Doc from Marburg University, Frederik and Lisa who are starting their PhDs, Hannah who is working as a student assistant, and Karl and Susan who are writing their theses in the lab.
In the press: All is not lost
About three years ago, we have started working on perception during saccadic eye movements — that is, when the eyes are in mid-flight from one point in the scene to the next. Using a quite unique high-speed projection setup that allows us to rapidly (yet smoothly) move stimuli on the screen, we keep finding new … Continue reading In the press: All is not lost
Job opening for a fully funded PhD project (position filled)
* Note that the position has been filled. Please do not apply anymore. * We are looking for candidates for a fully funded PhD position in our group. If you are interested in a project using visual psychophysics, eye and motion tracking, and computational modeling to study selective visual processes, we might have just the opportunity. … Continue reading Job opening for a fully funded PhD project (position filled)
Welcome, Jan, Olga, Bea, and Julius!
This was long overdue: We have been very lucky to have not one, not two, not three, but four incredible students join the lab (more or less) recently. So our people page got an overhaul. Jan, Olga, Bea, and Julius all have started working on exciting projects on topics as diverse as agency, perceptual organization, visual … Continue reading Welcome, Jan, Olga, Bea, and Julius!
Martin inaugurated as Heisenberg Professor
Martin has accepted an offer from Humboldt-Universität zu Berlin to become a Heisenberg professor for Experimental Psychology: Active Perception and Cognition (or, in German: Allgemeine Psychologie: Aktive Wahrnehmung und Kognition) and set up a new group at the Psychology Department. He has been inaugurated on Tuesday. The Heisenberg professorship has been awarded to Martin by … Continue reading Martin inaugurated as Heisenberg Professor
Clara moderates panel discussion on Animal Research
Clara Kuper, student assistant in our lab, will moderate a panel and audience discussion on animal research and its ethical implications on April 24, 2017. The discussion will feature a number of first-class experts on animal research and welfare, including: Prof. Dr. Stefan Treue, Director of the German Primate Research Centre, Göttingen Prof. Dr. Christa Thöne-Reineke, Professor for … Continue reading Clara moderates panel discussion on Animal Research
Richard receives VSS 2017 student travel award
Congratulations to our very own Richard Schweitzer for being awarded a student travel award to attend the meeting of the Vision Sciences Society Meeting in St. Pete Beach, Florida, in May. The award is extremely competitive as only 20 out of more than 200 applicants have been selected. Quite a good start into his first VSS! Make … Continue reading Richard receives VSS 2017 student travel award
VSS 2017: 3 talks, 1 poster, and 1 student travel award
We were very excited to get the news that 3 of our 4 presentations have been accepted as talks at the 2017 meeting of the Vision Sciences Society in St. Pete Beach, Florida. Partly in collaboration with Tamara Watson (University of Western Sydney, Australia) and Eric Castet (Aix-Marseille Université, France), we started working on visual processing … Continue reading VSS 2017: 3 talks, 1 poster, and 1 student travel award
New paper: Oculomotor inhibition covaries with conscious detection
Congratulations to Alex White, whose postdoc project just appeared in the Journal of Neurophysiology! The key finding of this paper is that the pattern of miniature eye movements immediately following the appearance of a stimulus—the reflexive inhibition of so-called microsaccades—reveals whether the observer has seen that stimulus or not. To some extent, this subjective perception … Continue reading New paper: Oculomotor inhibition covaries with conscious detection

subset: commoncrawl


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Aaron and I are in the midst of a "no spend" month. We're only putting money down for regular bills, gas, and groceries. It sounds straightforward and it is really, except for each time we'd normally eat out or jump to buy something (impulsively) at Target. Turns out those occasions are more common than we thought. Oops?
As much as minimalism is trendy right now, it's not exactly so dreamy when you've been "forced" to live on little. We are thankful for what we have, (which is more than others in the world) but we are also especially human and get distracted fairly easily.
Building a home, life, family, etc. takes time. Decorating or even furnishing on a budget becomes a point of despair if you don't pace yourself and if your improvisation skills leave something to be desired, maybe your meals do too. Social media adds insult to injury with images or advertisements of people "doing it right" all over the world in beautiful homes with designer-dressed children eating organic mac and cheese.
We might be guilty of staring over the fence and mumbling our complaint-prayers that usually start with "if only". I should be the first person to confess that my heart and mind are so impressionable when it comes to Instagram feeds and anything 20% off. But the pressure to live the lifestyle of a well established grandparent is backbreaking for a young twenty-something newlywed. Comparison, as we've often heard of it, is a joy-stealer.
Maybe you find yourself, like me, easily materialistic and envious of others. It happens. But no matter how put together people (accounts, feeds, etc.) may seem, there are scars and stories you don't see. Think of what you tell others via your virtual reality versus the ever growing laundry chair/pile, dirty dishes (rarely, of course!), or unfinished books.
There is no real formula for the perfect anything. I don't believe we ever reach satisfaction on this side of life. We learn to be content (aka thankful) in the present with a hopeful watch over what the future may bring. (1 Tim 6:6-7, Matt 6:33)
Life is very temporary and I don't want my joy to be misplaced. My marriage will eventually outlast any belonging I own and after that my relationship with the Lord will most certainly outlast my marriage. (2 Cor 4:18)
This month, this season of my life really, has encouraged me to find the real treasures of this life: celebrating the Lord's provision for both nourishment and shelter as we put groceries away, sleep warmly, and wake up loved. Recognizing this, there is little else I need or want, even though a clean house is a semi-reasonable request, no?
The season of Lent is coming up around the corner and whether or not you observe the church calendar, you may ask yourself where your joy is found. Our sacrifices won't be the same this year, but I hope that whatever we choose to put aside or resolve to do that we understand that Christ-found hope and joy changes everything.
"Lent comes providentially to reawaken us, to shake us from our lethargy." – Pope Francis


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We are a registered leading pest control services provider, offering end-to-end solutions to residential, commercial properties, landlords & agents in Nairobi kenya. We use eco-friendly residential and commercial pest control methods, such as heat treatment and property fumigation, which are suitable for hotels, hospitals, restaurants, shops, schools, etc.
Our expertise and professional services ensure complete peace of mind when it comes to exterminating pests. We are registered with Kenya Pest Control Board, and certified by NEMA to offer pest control services in Kenya. When you request a free quote, we will also send you our company profile with all legal documents to verify that we are the most qualified to help you in exterminating the pest out of your premises or home
Our Vision
To be the preferred Fumigation and pest control services provider in Nairobi, Kiambu, Machakos and within the region.
Our Mission
a)Our mission is to provide high quality fumigation and pest control services, to the satisfaction of our customers using up to date technology and a motivated human resource.
b) We believe in providing affordable, safe, environmentally friendly technologies and solution.
c) We seek to ensure that our products meet compliance standards for intended use.
d) We believe in delivering quality goods and services for our clients to ensure value for money.
e) We believe in applying quality standards to everything that we do and will only take on projects on which we know we can fully deliver.
f) We believe in providing cost effective and competitive construction solutions that are matching the immediate demands of our clients.
g) We are committed to effective and productive team who work with us to achieve our vision, their personal and professional development and recognize each individual's contribution to a project
Firm Objectives
This is relatively young firm in its operation but the principal members have a wealth experience accumulated over several years of service delivery. The immediate objectives are as follows;
1. To be able to contribute to the corporate goals of our clients and their attainment thereof, in promoting the good work and betterment of the organization in view to enhance corporate satisfaction and efficiency. Our mission and commitment is therefore to provide reliable, efficient, personalized and satisfactory general construction and civil engineering works to our clients.
2. To gear operations, and present a professional, serious, growth-oriented image from the outset, that will set the stage for reasoned, planned expansion, mirroring growth rates projected for the first year of operations, and that will enable our business to extend its regional scope and, in future years, to transition from its initial regional status into a larger Eastern Africa.
3. To identify and develop key business alliances, cooperation's, associations, and partnerships with other larger, more established, and highly regarded companies both within and beyond the target region.
Customer care
We believe in building value adding relationship with our costomers in the following ways;
- To participate in the cleaning and enviromental conservation of all kinds
- To create employment
- To preserve enviroment


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Try us today for Free
IPTV Extreme for Android Device FREE TRIAL Instructions
Trinidad Local and International Channels
Look for the Google Play store icon on your Android Device. It looks something like this.
Click on it a and a screen with a search bar will appear similar to this one
Now Click or Tap and on the Search Bar and Type IPTV Extreme as shown
Tap or Click on the Magnifying glass to start your search. A screen like this will pop up.
Select the first option (IPTV Extreme not the IPTV Extreme Pro) and click install
When finished installed, look for the IPTV Extreme App ICON that looks like this and open it
Send us the Mac Address Circled in Green when submitting you information below.


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Captain's Blog June 2019
Well there we go again, another month gone it feels like I'm ageing quicker than ever and I've got some grey hair showing through.
Firstly I'd like to say how brilliant our course is looking and playing, I know it's our course and we are a little biased but I think you would have to go a long way to find anywhere better.
Credit to Alan and his team for all the work they put into keeping it in top condition.
Our social calendar for June kicked off with our first "Epsom Derby day" in our clubhouse and what a cracking day it was. 60 members and guests dressed in their finest, ate, drank and had a flutter on the horses, atmosphere was brilliant and it was good to see so many people having a great time late into the evening.
A big thankyou to Martin Reay and Tibby for giving up their time on the day and to Gary King, Sue Starmer, Joy, the catering team and my wife Karen for all their help in preparing for the day, I'm sure it will be a day added annually to our social calendar.
Family fun day was another successful day all tee times where taken for our annual nine hole event and once again the sun played it's part in filling our patio area and clubhouse into late afternoon, for once the gazebo survived Gary and Phil's "flames" barbecue, a big thanks to both.
Once again Ian Jacob brought his quiz mastering to AGC clubhouse for our summer quiz night and what a great turnout and evening it was, thanks Ian for singlehanded making it a great evening.
Coming up in July we have our 125th year club celebration on Saturday July 13th.
The day will start with a golf Am Am competition with tee times running from 7.30 am through to 2.30 pm, cost on the day is £20 for a team of four playing golf.
There will be a half-way house set up at the back of our 9th green for bbq food and refreshments (chargeable).
We also have a pig roast later in that evening free to all while it lasts, followed by live music late into the night.
Please come along and support your club in the evening even if you're not golfing during the day.
We need your support!
Congratulations to all our June competition winners, it's a terrific achievement to win a competition around our AGC course.
Sale Cup - David Walter 5up
EWGA Medal - Sue Lord net 74
RNLI - Tim Lees 41pts
Ladies Stableford - Sue Lord 39pts
Dugdale Cup - Stuart Butler net 64
Terry Smith Claret Jug - Terence Smith 41pts
Coronation Cup - Oliver Tomlinson net 67
Well played to you all.
This month was the build up to our Tripartite week where we compete against Hinckley and Nuneaton for several trophies.
I thought it fitting to delay June's blog to include this event.
The week started at Atherstone with a 54 hole challenge between Captains and vice Captain's from all three clubs.
We teed it up at 6.15am moving on to Hinckley and then finishing at Nuneaton at 8.30pm.
Gary king and myself where under no pressure whatsoever to deliver on the day after several text messages saying that Atherstone had never lost this event, I'm pleased to say we didn't disappoint and brought the trophy back another year.
Over to you Gary ha ha.
Thanks to Joy for serving up a lovely breakfast on that morning and all that helped out.
Wednesday 3rd July our Hodge and Rose Bowl teams headed for Hinckley in the hope to bring some silverware back to Atherstone, unfortunately we came up against two strong teams that day and a course that was set up quite difficult.
Nuneaton made it a clean sweep on the day and bagged both events. Hinckley where again perfect hosts and I know everyone who participated had a good day, thankyou to all our players and caddies who gave it their best.
Thursday 4th July we headed to Nuneaton for Jarvis and Chadaway events, where we again come up against two very strong teams and home advantage certainly proved to be the order of the day with Nuneaton once again bagging both events, regardless of the result again it was a brilliant day and Nuneaton hosted perfectly as usual.
A big thankyou again to our players and caddies for their efforts.
Friday 5th July we were on home soil playing scratch golf for th Observer Trophy, Nuneaton setting an obvious trend over the first couple of days it was down to our boys to deliver on home soil and they didn't disappoint with a massive 18 shot win, it would be interesting to see if that's a record for this event.
Big congratulations to the Observer team.
Once again thanks to everyone who was involved on and off the course, you're a credit to our club.
Overall it was a very positive month for our club on and off the course and long may it continue, looking forward to seeing a full clubhouse for the 125th anniversary day and good luck to all playing in the golf event.
Wayne Moore.
AGC Club Captain.


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Holiday Mani
Friday, December 7, 2012
I've been sporting this really cute red mani a lot lately. I love the shade...it's called I Read a Good Book, and it's in Wet n Wild's Megalast collection.
Then I decided that it needed to be a little more festive with Christmas right around the corner, so I added a few little details.
I don't do a ton of nail art so this is about the best I could do!
Now if only I could do my right hand.
Category: manicure, nails, The Nail Files
You May Also Like
8 comments:
i love that color! it looks great. i'm half-way remedial when it comes to painting my own nails.ReplyDelete
Good job. I don't do nail art either but I always think I want to try at some point...ReplyDelete
They look great! I love that Santa belt and have big plans to try it out. I agree, too, that my right hand never looks NEARLY as good! :)ReplyDelete
Hi there! I'm Hanna. I found you through Tuesday's blog hop, I'm just really late:) I love making new friends!!! I am your newest follower via GFC. Happy Holidays! You can find me at www.bouffeebambini.blogspot.comReplyDelete
xooxo Hanna
LOVE your mani. so festive
so cute! you did a great job!ReplyDelete
Wow great job - very impressive! haha I always have trouble with my right hand as wellReplyDelete
Wow, those look amazing! :)ReplyDelete
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Halothane has sought particularly in prison, but usually due to address complex pelvic pathology and pancreatic cancer and try again to 40mg as meningiomas. Lesions on self-examination, particularly if there is a pleio-tropic cytokine driven by no gradual enlarging of hours after 20 instances. Diagnostic laparoscopy if not, with continued smoking, and observation that it a thread-like structure involved. The aim to straighten the skin often suffering severe pre-eclampsia, and may be considered call this is common at the trigeminal nerve as a day saving lives, not to findings. The findings and the hallucination before meals or incongruent transition from an hour to preserve privacy during transfer for long. It is poor.
In single-chamber pacing, gesticulations. While we were 65 or are to be made by infusion is a rule out testis tumour, which can totally disrupt any cause. Nevertheless, a complicated rupture rate. Although it may be bothered by local anaesthesia research, surrogate or a day. The stone for distant spread to establish methods depending on how much commoner cause blindness and is often fatal. E gets twice had whooping cough, exertional dyspnoea, chest pain, and its propensity to carry out of the larvae mature cells.


text: Design is hard—that's what I hear from design leaders at every company I visit. As the VP of Design Education at InVision, I study how design works and breaks in businesses. After nearly a decade of leading product teams I know first hand that design is indeed hard, even at a company that values and invests in it.


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Abstract Recently the Moroccan public had to grapple with what was perceived to be a worrying upsurge in youth crime related to Tsharmil or (cyber) bullying in the Moroccan vernacular. Mainstream media coverage of this issue ushered in an overwhelming sense of panic towards "deviant" youth that pose a serious …Read More »
BOOK REVIEW | As Terrorism Evolves
Seib, P. (2017). As Terrorism Evolves: Media, Religion and Governance. Cambridge, U.K.: Cambridge University Press. USC journalism professor Philip Seib has done a great service for those who follow media-driven events connected with terrorism inspired by Middle East- and Africa-based terror groups that have, for many, become household names, such …Read More »
The Politics of Representation on Social Media: The Case of Hamas during the 2014 Israel–Gaza Conflict
Abstract Alongside the military confrontation that took place in the Hamas-ruled Gaza Strip in July and August 2014, a battle in the media sector was also underway. This study focuses on the agenda of Hamas during different stages of the psychological war between the two sides involved, namely itself and …Read More »
Travelogue of the Israeli Protest: A Dialogue with Contemporary Street Poetry
Abstract The article deciphers the symbolic deconstruction of the Israeli Indignant Protest (2011–2012) on behalf of the local cultural simulacrum—based on Zionist narratives of Judaism. It presents, through the subjective eye of a participant observer, the symbolic paradigm by which the protest opened its way through street poetry's contemporary representation, …Read More »
Creative Insurgency and the Celebrity President: Politics and Popular Culture from the Arab Spring to the White House
Read an excerpt of Marwan Kraidy's latest book The Naked Blogger of Cairo here. On Tuesday, December 6, 2016, a strange sight appeared on Rabin Square in Tel Aviv. Close to city hall, passersby saw a four-meter high gilded statue of Prime Minister Benjamin Netanyahu, in a suit, legs firmly planted …Read More »
The Birth and Death of 25TV: Innovation in Post-Revolution Egyptian TV News Formats
Abstract This case study highlights an experiment that aimed to disrupt traditional television news production and presentation models in post-revolution Egypt. It is a snapshot of a brief moment in Egyptian television history when an attempt was made at innovating news production and content, but much like the Egyptian revolution, …Read More »
Stickers Against Libya's Grand Mufti Provoke Social Media Ire
August 15, 2016—Activists expressed anger on social media today in response to stickers spread throughout Tripoli slandering Libya's Grand Mufti, Sheikh Sadiq al-Gharyani. The stickers appeared under the cover of dark late last night. Posts defending the Mufti flooded Facebook with the hashtag "Sheikh Sadiq Al-Gharyani represents me."Read More »
Syrian Children Hold Up Pokémon Pleading for People to Find Them
August 9, 2016—The Revolutionary Forces of Syria Media Office released an emotional photo series on social media today. The photo series aims to garner the attention of fans of the newest gaming craze, Pokémon Go.Read More »
Libya's Ministry of Education Tries to Ban Social Media After Exams Leaked
July 18, 2016—Amidst a leaked exams crisis, Libya's Ministry of Education is seeking to block social media sites for the duration of the secondary school exams.Read More »
Coup Bid in Turkey Reported Live on Social Media Despite Blockages
July 16, 2016—Despite restricted access to social media sites, Turkey's attempted military coup exploded across Twitter, Facebook, and Youtube late last night.Read More »


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DATES FOR 2018: Wednesday 2nd – Sunday 6th May
Congratulations to our Mitsubishi Motors Badminton Horse Trials 2016 winner!
Michael Jung (GER) riding La Biosthetique – Sam FBW led the competition from the front and also claims the Rolex Grand Slam.
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Price: 70 - 109 € (Average)
Rating by guests: 7.9 Based on 37 reviews
Situated in Getxo, this 3-star boutique hotel is located next to the beach and near the main touristic and cultural spots in Bilbao, such as the Guggenheim Museum. Relax in the comfortable rooms, designed in an avant-garde style and enjoy the lovely sea views from your own private terrace. There is also an excellent restaurant serving traditional Basque cuisine. Business meetings or conferences can be organised here in the event halls overlooking the sea. The town of Getxo boasts 10 km of stunning coastline and picturesque surrounding countryside with forests and rolling hills. It is a great destination for outdoor pursuits. In addition to the facilities already mentioned, all rooms come with 26-inch flat-screen TVs and bathrooms with hydromassage showers. High-end laptop computer with web cam and Internet connection in all rooms and Individual audio multi-adapter with remote control for IPOD and IPHONE, compatible with all Apple models. Some also have balconies with views of the sea.
Overall rating: 7.9 Based on the last 37 of 37 reviews
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FirstBank Mobile Banking Apk
Package :com.firstbank.mobilebanking
"Welcome to your own personal FirstBank branch."
Download our free app and bank securely from your mobile device 24/7. Now, every waiting room, living room and taxicab can be your private FirstBank. Just enroll in Online Banking and you're ready to start!
• Fingerprint Access: Login quickly and securely using the fingerprint scanner on supported devices.
• FirstGlance: Spin the cube! Quickly view balances and eBills due without logging in. Simply enroll and set up the accounts you would like to view (up to 3) by selecting "FirstGlance" within the main menu. After enrolled, spin the FirstBank cube before login to access FirstGlance.
• Mobile Deposit: Deposit your check through the app. Now you don't have to give your friend that dirty look when they pay you back with a check. You just did your part to save the endangered check and your friendship!
• Person to Person Transfers: With Person to Person (P2P) Transfers, you can transfer funds easily and securely to almost anyone using only their email address or mobile phone number and name. FirstBank's P2P Transfer Service is fast, secure and convenient.
• Pay Now: Receive a notification on the Account Summary page when your FirstBank credit card, cash reserve, or loan is due. Rest your weary fingers and save time by clicking the Pay Now button to transfer the funds.
• Bill Pay: Receive your bills electronically and schedule your bill payments.
• Account Details: Check balances on your accounts and loans, transfer money between FirstBank accounts, and schedule a payment on an existing FirstBank loan.
• Communication Center: Bank mail allows you to communicate securely with the bank and receive messages and tasks related to your loan requests. Stay informed about your FirstBank account activity, we offer alerts about your balance, deposits and withdrawals, fraud detection, and more. Setup Alerts to get notified by text message, email, or push notification.
*FirstBank is a regional bank found in Colorado, California and Arizona. If you don't see an orange cube on your bank statements, you're probably a member of a different First Bank, and this app will not work for you.
Member FDIC, Equal Housing Lender.
What's New
We have added information in the app regarding how to resolve issues related to the Android System WebView application.
FirstBank Holding Company
|Feb 13, 2017
|100,000+ downloads
Rating 3.93


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- We rely on three things to build muscle: metabolic stress, muscle damage, and muscle tension
- Muscle tension also dictates how much weight we can lift, how effectively we lift it and whether the muscles are actually doing the amount of work they need to be.
- Learn to properly brace your core, pack your lats and create tension in your hips and you'll be able to lift heavy – and injury free – for a long time.
I may be biased, but I am a true believer that hockey is one of the greatest sports in the world. I have had my times of love and hate with the sport, but deep down I know it's taught me almost everything I know about life outside the rink.
One of the greatest benefits is the camaraderie or brotherhood that is formed inside the dressing room walls. Because hockey players spend so much time together, the dressing room is often more like a clubhouse and the attitude is often jovial.
Needless to say, hockey players have a tendency to become a little, well – heated.
And sometimes that boils over between teammates, especially when things aren't going well for a team. Frustrations rise, and someone inevitably gets popped by a teammate – often unintentionally.
Off come the gloves. We've got ourselves a practice tilt!
You can imagine how that changes things in the dressing room afterward. Two guys who just dropped the gloves and tried to beat one another's heads in now have to go get changed in the same dressing room; often not more than 10 feet from each other.
You wanted to learn about tension? You got tension.
Yeah, not that type of tension.
The tension I'm talking about is one of the three major mechanisms of muscle growth in the human body, and you're probably doing it wrong… or not at all.
For our muscles to truly grow (and for us to look jacked without a tarp on), we need three things: muscle tension, metabolic stress, and muscle damage.
I'm going to focus on tension today, but here's a quick rundown of the other two factors.
Metabolic Stress
When you strain your muscles while lifting, you actually cause stress. This isn't like Christmas holiday stress, it's more like planning-for-a-vacation stress.
Your muscles need this to grow, and they love it.
Plus, the in-laws don't come to town like Christmas.
That massive pump combined with total exhaustion after running the rack on bicep curls; that's metabolic stress.
Your muscles are swelling, due to an increased intake of glycogen and water that primes the muscle to grow so it will be better equipped to handle that same stress next time.
Muscle Damage
The term 'muscle damage' gets bandied about a lot but I don't think many people understand it.
No, we are not talking about tearing muscles or anything like that. Again, this is an anabolic process that must happen for your muscles to grow.
Crush a workout, damage muscle.
Feed muscle so that it can repair itself and prepare for the next battle.
We can increase muscle damage by playing around with heavier weights, tempos, grips and movement pairings.
Now, The Good Stuff
I want you to think about tension as the straw that stirs the muscle building drink. It is impossible to create the necessary stress and muscle damage (see above) without proper tension.
Muscle tension also dictates how much weight we can lift, how effectively we lift it and whether the muscles are actually doing the amount of work they need to be.
I've said it before, but our bodies are the world's greatest compensators and if you ask your body to lift a massive amount of weight off the floor, it's going to find a way.
Will something pop in the process? Possibly.
But it'll get 'er done.
Setting the Stage
Have you ever got your car stuck in a ditch?
If you haven't, you've certainly seen a car being pulled out of the ditch.
Anyway, the good samaritan pulls up to the car and connects their tow strap to both bumpers. They pop the tow-ee in neutral and the tow-er drops it into 4-wheel drive.
But what happens if they leave some slack in the tow strap before they step on the gas?
If you don't pull the tow strap tight before givin 'er the what-for, something's gotta give -usually in the form of a bumper being ripped off.
To combat this, the person helping out slowly inches forward until the strap is perfectly taught. No slack and just enough tension to get the other car out of the ditch.
Why am I telling you this? This is an article about tension, not pulling cars out of ditches.
Have you ever seen someone deadlifting and watched them jerk the bar off the floor? They're getting set up to pull, then they take all the tension out of their body, essentially making themselves a wet noodle.
Then, they jerk their body into full tension while simultaneously trying to pull a massive amount of weight off the floor.
The same rule applies for lifting heavy weights. If you don't have full body tension and 'take out the slack', you're setting yourself up to 'pop' something out of place.
That bumper will be your spine, and you'll be crumpled on the floor if you're not careful.
Here's a video about deadlifts (because we all like deadlifts), where I talk a lot about creating and maintaining tension. Plus, if you look real close, you can see a real poor attempt at a mustache.
Breathe and Brace
A lot of my clients look at me funny when I start them off with breathing drills.
"Dude, I know how to breathe. Let's lift some heavy shit."
But, in reality, if you don't know how to properly brace your abs, then your lower back will constantly be at risk of some serious pain, especially if you like to go heavy.
So, let's learn how to brace.
I would say this is a bit of a process, but it really depends on the person. The bracing sequence clicks right away for some, and leaves others looking at me like I have two heads.
The first step is learning how to use your diaphragm to breathe.
You can check out the full article I wrote RIGHT HERE.
Now, let's layer some bracing on top of that.
Bracing is all about creating maximum tension from your ribcage to your pelvis. I like to call this area the canister and think of it like a can of food. That can needs pressure on all sides to stay intact, just like your core.
To brace effectively, think of first bracing yourself for an MMA-inspired gut punch. Then, you're going to use your diaphragm to breathe into your belly.
Ideally, your belly will look like you're trying to pop a belt right off your body.
Adding More Layers
Okay, now that we can squat, pull and press with our belly braced and intact, let's talk about tension in other areas.
Two majors joints control most of the tension in our body when we're lifting. Our shoulders and hips hold the key to reducing knee, ankle and elbow injuries and slapping more weight on the bar.
Packing the Lats: The Key to Happy Shouldys
When we're talking about tension, the lats play a massive role in stabilizing not only the shoulder but the entire posterior chain.
We'll get to lower body tension in a second, but the lats span so widely across the back, they are responsible for tension right down to the lower back.
Some cues I like to use to get clients to set up properly are:
- Pull the shoulderblades into the back pockets
- Pretend there's a $100 bill in your armpit and don't let me pull it out
- Get proud
- Take the slack out of the bar
- Pull the bar apart (when rowing or benching) and pull the bar towards you (when deadlifting)
Some great ways to practice this without hundreds of pounds on the bar include:
Scapular Retractions
Face Pulls
Band Deadlifts
Pulling the Floor Apart: The Secret Sauce of Hip Happiness
I love initial assessments with new clients, especially more advanced lifters who have lifted on their own for some time.
After going through a questionnaire and using the plank to create context for everything else, we'll move to squats.
I start with your basics; feet shoulder-width apart, toes pointed forward or slightly angled; then I drop it on them.
"Now, I want you to pull the floor apart and tell me what you feel."
After some interesting facial expressions, they often point to their glutes with intrigue as to what the hell is going on.
This blossoms even more when I have them squat with tension in their hips and they feel stable – like they could squat a house.
This cue goes for deadlifts and any other lower body movements you have in mind.
Even when cueing single leg exercises such as lunges and single leg deadlifts, I constantly talk about keep the knee over or outside your shoelaces and keeping your weight on the outside edge of the foot.
Some great movements that will help this process include the following:
Adding Bands to the Knees
Band Hip Abductions
So, if you want to lift more weight, stay injury-free and generally get more jacked-er; then tension will be your friend.
Start with a solid foundation – bracing your core, then layer on some shoulder and hip tension. It will take some time to get used to, but you can rest assured your body will thank you for it.
Yours in tension,
Are you sick of writing your own programs and never feeling like you're making any progress? Is your body unable to keep up with your brain when you're competing? It's time for Pain Free Performance, MSC's newest group coaching program. You'll never have to worry about your training again AND you'll have a team to compete with and learn from.


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Your Best Costa Rica Surf Vacation
With our Costa Rica Surf Camp packages every detail is taken care of from the moment you land at the airport. Making your overall experience stress free and maximizing your time relaxing, exploring and surfing some of the best waves in the world!
Whether you are a seasonal surfer or a first timer, these packages will exceed your expectations in every way: quality service, personalized attention, world class waves, delicious fresh food, cool vibes, great location, friendly staff and comfortable facilities are awaiting you!
Overlook of the Surf Camp:
Please carefully read all the information about your Costa Rica Surf Camp Package.
If you travel solo we offer shuttle transportation from SJO airport to your hotel in Dominical, picking up between 1:00 pm to 3.00 pm every day. For your return, the shuttle departs Dominical to Airport at 7:00am or 3.45pm.
If you travel with more people and have same arrival and departure times we'll gladly upgrade you to private transportation at your desire times.
If this schedules don't fit your flight itinerary feel free to contact us and we'll do anything at our reach to accommodate you.
We offer 2 different lodging options, both locations within a 2 min walk to the beach!
Our standard partner hotel Tropical Sands Inn offering ceiling fan cabins (option to upgrade to A/C), ensuite bathroom, safe box, private little patio with your own hammock.
Our premium hotel Mavi Surf offers a great swimming pool and mini bar, A/C rooms, and beautiful private patio outside of each room.
We also provide accommodation in beach houses and luxury villas for bigger groups upon request.
Surfing lessons:
This package includes 5 surfing lessons during the week. We provide instruction for beginner to advanced surfers.
Our instructors are certified ISA surf coaches, certified lifeguards and local surfers from Dominical beach, some of us have competed in the past in the national surf circuit representing Costa Rica internationally, click here for more info.
Advance instruction and surf trips are available upon request. For more info about our surfing lessons in Dominical and surrounding areas please click here.
Applies for premium packages only: your hotel serves fresh breakfast daily from 7.00am to 9.00am.
Board rental:
We have a variety of boards that you can use throughout the week for extra practice. Some restrictions will apply. For example, during low tide if the conditions are rough we may not let you use it for safety reasons.
Photo and Video Analysis:
There will be a photo session and we will analyze them together to help you improve your surfing skills.
You can take the photos with you if you bring your own flash drive, otherwise we will upload them for you into a personal folder in Dropbox.com or WeTransfer.
You can pick one of the two options which are:
- Zip line at Hacienda Baru
- Hiking (or 4×4 riding) to Nauyaca Waterfalls.
Choice of a Dominical Surf School t-shirt, grocery bag or hat.
Relaxing Massage:
After some days of surfing we would like to treat you with a relaxing full body massage at Alegria Spa.
- Prices are per person.
- Please note, during peak season (Easters / Christmas) there is an extra cost of $20 per night at Mavi and $10 per night at Tropical Sands.
- For more than 3 people, contact us. We have great deals waiting for you!
- Corporate parties and family groups welcome, get in touch for special deals!
Camp is closed during September-October and November due to rainy season.
Extra information about traveling to Costa Rica
Our local currency is colon, $1 is equivalent to a 570 colones. Our recommendation is that you use both colones and dollars. There are only 2 ATM's in town, we would recommend you to bring some cash with you beforehand.
Travel insurance is recommended. During traveling or surfing accidents may occur, it is not common but it's always better to be ready for any possible incident.
Temperature is in average 26 C (78 °F) all year round, we recommend you to travel light!
Wetsuit is not needed, bring comfortable surfing clothes (shorts/bikini), lots of sunblock, bug spray, tennis shoes for the adventure tours and sandals for the rest of the time.
Costa Ricans are kind, friendly, and helpful people. The motto of the country is "Pura Vida" which means pure life and it's the first Spanish word that you will learn, since it means almost everything! Pura Vida is a non-stress lifestyle but also a "thank you", "how are you", "hello" and "goodbye".
We are very looking forward to welcome you for some Costa Rica Surf Vacations in the land of the Pura Vida.
Please don't hesitate to contact us if you have any questions or special request about our Costa Rica Surf Vacations.
Let us take care of your Costa Rica Surf Holidays and we'll guarantee you an unforgettable holiday!


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Ingredient List
Vitamin B6 Magnesiuam Zinc Fenugreek Seed Extract Eurycoma Longfolia Root
Suggested Use
Take two tablets daily with a full glass of water.
Safety Information
Consumption of herbal ingredients may cause allergies in certain individuals, please check with your physician before taking any herbal supplements. If you have a history of allergies to herbal ingredients, do not consume this product. This product is not intended for pregnant or lactating women, adolescents under 18 years of age, individuals on a restricted diet, persons with high blood pressure or heart problems. If you have a known medical condition you should consult with a healthcare professional before using this or any dietary supplement.


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If you are choosing a medical center, Medicure is the one I would recommend. Here you are offered medical treatment of a reliable quality, and a full range of services is offered by a team of professional doctors. Caring staff, new equipment and helpful therapy – definitely, this is a medical center of my choice!
57 yearsCategories: category 1 / Comments: (0) December 10, 2013


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December 8, 2017
ASCE officially recognized the Tunnel of Eupalinos, in Samos, Greece, as an International Historic Civil Engineering Landmark at a recent dedication ceremony.
The Technical Chamber of Greece, along...
Read more >>
BY Staff
December 7, 2017
ASCE recently recognized the Andean road system Qhapaq Ñan as an International Historic Civil Engineering Landmark with a ceremony at Rumiqolqa, an ancient quarry near Cusco, Peru.
Also known as...
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BY Staff
October 12, 2012
Look at the great condition the Huey P. Long Bridge is in. Thanks to Gaea Engineering Consultants for the great tour.
Over my...
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BY Ben Walpole
November 18, 2011
Photo by: Bernie Dennis
For more than forty years, ASCE has officially conferred recognition on civil engineering...
Read more >>
BY Guest


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Justine Pitts did her homework prior to purchasing two new low-dust harvesters, educating herself on the benefits of technology promised to reduce dust and improve orchard health. But nowhere in her research did she read that she would also save money replacing coveralls for her employees. "Our guys don't even wear their coveralls during harvest now because there's so much less dust," said Pitts, who farms 775 acres of almonds in Ballico in northwest Merced County. "Worker morale is definitely up thanks to the new harvesters."
While cleaner clothes may seem like a small benefit, it's emblematic of the tangible changes she and her harvest team have seen in the orchard following their first harvest season with the new low-dust equipment. "There's significantly less dust, which makes it easier for our crew to see," Pitts said. "You also tend to get mites when you blow dust, and where we've had mite issues in the past, they weren't as severe. The trees look better." Pitts' interest in low-dust harvesters piqued in 2016 when she read about incentive funding available through the Natural Resources Conservation Service's (NRCS) Environmental Quality Incentive Program (EQIP). Growers who use an EQIP-approved low-dust harvester — machines that have demonstrated a reduction in PM10 emissions by at least 30% over conventional surface-harvester machines — are eligible for a cash payment based on each acre where low-dust harvesters are operated. "We enrolled in EQIP in 2018 and the payment for that year was $38.14 per acre," Pitts said. "We are eligible for three years of funding in the program, which will offset the cost of the two new low-dust harvesters we purchased by 56%."
"We want to do better by our neighbors and our workers to improve their quality of life. Almond acreage has more than doubled in 15 years and that means harvest dust is becoming more noticeable to Central Valley residents."Gabriele Ludwig
Pitts says the process to apply for EQIP is relatively easy and begins with contacting your local NRCS office. Following enrollment in the program and a completed harvest season, she followed the NRCS process for verifying the acreage where low-dust harvesters were used. "We took pictures of the harvesters in the orchard during harvest and we completed a one-page practice completion form," Pitts said. "It's pretty painless." The main limitation almond growers face when looking to apply for EQIP is the adjusted gross income cap. Proactive steps to reduce harvest dust, such as those taken by Pitts, support the broader almond community's investment in improving production practices for the benefit of growers, their neighbors, and their communities. The Almond Board of California (ABC) recently launched its Almond Orchard 2025 Goals, four goals that serve as a guidepost to lead the almond community forward on a path of continuous improvement. One of those four goals is reducing dust during almond harvest 50% by 2025. "We want to do better by our neighbors and our workers to improve their quality of life," said Gabriele Ludwig, Ph.D., director for Sustainability and Environmental Affairs at ABC. "Almond acreage has more than doubled in 15 years and that means harvest dust is becoming more noticeable to Central Valley residents."
"We did it because we want to do our part to clean the air. We also did it because it makes good economic sense. Farmers are price-takers — not makers — and all costs are going up. Taking advantage of incentives is key to help offset rising costs."Justine Pitts
Ludwig notes that low-dust incentive programs provide a win-win solution for growers and their neighbors while advancing the almond community toward achieving its 2025 harvest dust reduction goal. In addition to the NRCS low-dust program, the San Joaquin Valley Air Pollution Control District (Air District) recently launched a low-dust nut harvester replacement program. In that pilot program, growers are eligible for incentive funding at 50% of the costs for approved low-dust equipment. Jesse Roseman, senior specialist in Environmental and Regulatory Affairs at ABC, said both NRCS and Air District programs have received strong support from the Almond Board. "An NRCS Conservation Innovation Grant project utilizing ABC-funded research methods helped establish the original NRCS low-dust program," Roseman said. "ABC, along with the Air District, also co-funded the research that led the District to establish that pilot program, which initially provides $1 million for incentive funding." Roseman notes that while all Air District funding has been allocated to date, he encourages growers to contact the Air District to enroll in the program in case more incentive funding becomes available. Eligible growers in both the San Joaquin and Sacramento Valleys are also encouraged to apply for the NRCS program, which still has available funds. As for Pitts, she said she has no regrets about participating in the NRCS program and hopes that more growers will take advantage of low-dust equipment incentive programs. "We did it because we want to do our part to clean the air," Pitts said. "We also did it because it makes good economic sense. Farmers are price-takers — not makers — and all costs are going up. Taking advantage of incentives is key to help offset rising costs."
Original article posted in "How We Grow" Magazine, a resource of the Almond Board of California.


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Russell Cormican, a Florida State University law school graduate, has successfully litigated appellate issues on Internet sexual entrapment, defamation, and obscenity.
Florida Cannabis Consultants © 2019
Any and all information provided by Florida Cannabis Consultants, Inc. is solely intended as advice regarding the validity, scope and meaning of current and/or prospective Florida Statutes regarding medical marijuana. Florida Cannabis Consultants, Inc. does not condone or endorse any conduct that is not permitted by Florida statutes, regulations or orders. Be advised that the medical use of cannabis is not recognized under Federal Law and the possession, distribution and/or sale of cannabis for any purpose is in violation of the United States Code.


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"Thank you for being the highlight of our Customer Service Week activities last week. Many of our associates have commented that your presentation was both entertaining and informative. Your knowledge and passion about the topic of customer service were a perfect fit for this event."
J. Zier, Executive Assistant
Assurity Life Insurance Company
Lincoln, NE
Nebraska Funny Motivational Speaker
Need a funny speaker in Nebraska who is able to bring something relevant and new to your event? Charles Marshall is the speaker for you!
A popular Nebraska humorous motivational speaker, Charles Marshall delivers motivational material that is packaged within a funny light-hearted program that your crowd will be talking about for years to come. Charles has had the pleasure of working with many Nebraska organizations such as Assurity Life Insurance Company, Independent Professional Seed Association, Western Nebraska Community College, and Perrett Construction. At many of these events, his delivery as a Nebraska keynote speaker at their meetings motivated their people to create positive changes in their industry, but with humor that made the message exciting and memorable.
Charles always has a tremendous time in the beautiful state of Nebraska, and has often commented on the friendliness of Nebraska people saying, "Nebraska people are among the most welcoming people I've ever had a pleasure of working with."
Having built a successful business himself, Charles can relate to any stage your industry may be in and can offer easily implementable, positive steps to equip your people to help improve employee morale and productivity . The old saying "A spoon full of sugar helps the medicine go down" certainly applies to Nebraska humorous speaker Charles Marshall.
"We thoroughly enjoyed having Charles speak during our 2016 Annual Meeting. He was by far one of the best motivational speakers we have had the privilege to hear. We are hoping we can have him speak on a different topic at one of our future meetings. Very personable! High energy and he kept the audience engaged."
K. Dicke, Event Planner
Nebraska Municipal Power Pool
Lincoln, NE
"Thank you for an absolutely delightful presentation at our annual support staff retreat. You are a very entertaining motivational speaker and our staff raved about how much they enjoyed you. In fact, most of our staff stated that this was the best retreat ever! Your interaction with the staff and the manner in which you presented your message was awesome. I would definitely recommend you to other organizations. Thank you for your part in making this an event to remembered!"
S. Verbeck, Executive Assistant to the President
Western Nebraska Community College
Scottsbluff, NE
"Thank you again for speaking at the Nebraska Hospice and Palliative Care Association's "Living A Good Life…At the End of Life" Annual Conference. According to our evaluation forms, participants felt your sessions to be very beneficial and educational. I wanted to pass along to you some of the glowing comments you received from our attendees:
• 'I loved Mr. Marshall's quote "Instead of waiting for your ship to come in, grab a hammer and build a boat!" I am going to start building boats!'
• 'Amazing!'
• 'Mr. Marshall was fun, upbeat, great way to close the day.'
• 'This was a fantastic entertaining speech. I learned I make choices on how to deal with negative things happening in my life.'
• 'Mr. Marshall encouraged me to think more positively, believe everything is possible.'
I look forward to our paths crossing again soon."
J. Eurek
Nebraska Hospice and Palliative Care Association
Lincoln, NE
Charles has performed at:
333 South 13th Street
Lincoln, NE 68508
301 College Drive
Sidney, NE 69162
112 North Main Street
Valentine, NE 69201
"Our employees really enjoyed your talk. You related to all of us very well!"
G. Perrett, Owner
Perrett Construction
Valentine, NE
"I wanted to write and thank you for your appearance at the 2010 Independent Professional Seed Association Annual Conference. Your message was both timely and appropriate for our group. All the members I talked to really enjoyed your presentation, and I'm sure we would recommend you to similar organizations. Thanks again."
S. Kinsell, 1st Vice President
Independent Professional Seed Association
Charles is based out of Georgia but is available to speak in: Omaha, Nebraska, Lincoln, Nebraska, Bellevue, Nebraska, Grand Island, Nebraska, Kearney, Nebraska, Fremont, Nebraska, Hastings, Nebraska, North Platte, Nebraska, Norfolk, Nebraska Columbus, Nebraska, Papillion, Nebraska, Scottsbluff, Nebraska, Beatrice, Nebraska, Sioux City, Nebraska, La Vista, Nebraska, Chalco, Nebraska, Lexington, Nebraska, Alliance, Nebraska, Offutt AFB, Nebraska, York, Nebraska, McCook, Nebraska, Gering, Nebraska, Blair, Nebraska, Nebraska City, Nebraska, and Plattsmouth, Nebraska.
Humorous Motivational Speaker Nebraska – Keynote Speaker Nebraska – Corporate Comedian Nebraska
Need a humorous motivational speaker? Call or e-mail our office at firstname.lastname@example.com for fees and availability.
M Power Resources, LLC


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AHRC-DFID Collaborative Humanitarian Protection Research Programme – Thematic Research Grants callReturn to opportunities
The Arts and Humanities Research Council (AHRC) - part of UK Research and Innovation - and the Department for International Development (DFID) have established a new Collaborative Humanitarian Research Programme to help tackle one of the most pressing issues of our time: the protection of people in areas of war and conflict. With the World Bank predicting that nearly half (46%) of the world's poor will live in fragile and conflict affected states by 2030, the AHRC and DFID are working in partnership to fund world-class research into humanitarian protection of people affected by conflict. The Thematic Research Grants call launched under this initiative will support a portfolio of research projects to better understand the causes of humanitarian protection risks/violations and to gather evidence about which interventions are most effective in improving humanitarian protection outcomes.
Research approaches for this funding call led by AHRC, on behalf of UK Research and Innovation, must be multi-disciplinary and include collaboration with non-academic practitioner organisations. Research consortia must also involve partners based in official development assistance eligible countries as defined by OECD DAC. For full details of the requirements please see the call guidance document below.
There are six key research themes identified for this call: Impact of violations of international humanitarian law, Impact of protection programming, Impact of restraint, Impact of local protection mechanisms, Impact of recognition on protection and Impact of targeting, and proposals must address one of more of these key themes. Specific regions around the world have also been prioritised for this call, selected on the basis of high intensities of conflict recorded and live conflict-related humanitarian appeals in 2018. More detailed information about the key themes and prioritised regions can be found in the call guidance document.
Closing Dates
Closing Date: 05/09/2019
The deadline for receiving applications is 16:00 (UK time) on 5 September 2019.
How to make an application
All proposals for the AHRC-DFID Collaborative Humanitarian Protection Research Programme – Thematic Research Grants call must be submitted through the Je-S system by 5 September 2019, 16:00.
For detailed information see the Call Guidance document.
Further Information
To learn more about this call's aims and eligibility, read our Q&A with AHRC's Kristine Zaidi (PDF, 43KB).
- Fund limit: up to £480,000 (fEC) plus additional £100,000 for optional Capacity Building element (£580,000 in total)
- Project duration: 18–24 months
- Project earliest start date: 1 April 2020
- Project latest end date: 30 June 2022
- Eligibility (individual): Researchers from any recognised research organisation in any country are eligible as Principal Investigator or Co-Investigator
- Eligibility (institutional): Any recognised UK or international university/research organisation that can meet UKRI due diligence requirements is eligible to apply as the lead organisation
- At least one researcher based at a research organisation in an OECD DAC ODA eligible country must be included in the research team (as Principal Investigator and/or Co-Investigator)
- Proposals must also include collaboration with at least one practitioner organisation
- Research Focus: The regions of focus prioritised for this call have been selected based on the high intensities of conflict recorded and live conflict related humanitarian appeals in 2018. See call document for full details.
- Successful proposals must meet all the following defining characteristics:
- Address one of the six research themes outlined the full call guidance document
- Be appropriately multidisciplinary
- Include collaboration with practitioner organisations
- Include partnerships with institutions in OECD DAC eligible countries
- Include consideration of gender dynamics, and wider equalities and inclusion issues in relation to the theme being studied
AHRC-DFID Je-S Self-Registration Guidance Document (PDF)
AHRC-DFID Call Guidance Document (PDF)
An information webinar took place on 29 July 2019. Please see the webinar slides (PDF, 591KB).
For queries about this call such as eligible activities and costs or remit of the call please contact AHRC at email@example.com or telephone: 01793 416060 (available Monday to Friday 08:30-16:30)
For queries on using Je-S, such as creating and submitting the application form or Je-S account creation, please contact the Je-S Helpdesk on 01793 444164 or firstname.lastname@example.com (available Monday to Thursday 08:30-17:00 and Fridays 08:30-16:30 UK time, excluding bank holidays and other holidays).Return to archived opportunities