text:
Business Education Jam: Envisioning the Future
Hosted by: Boston University School of Management supported by EFMD and partners
The event will start on: 30 Sep 14 07:00
And will end on: 02 Oct 14 16:00
Location: virtual, online
Join A Global Brainstorm Envisioning the Future of Business Education
The world is rapidly changing and so is the role of business education. To envision its future, there must be a transformative conversation with broad participation: business schools, scholars, faculty, students, employers, executives, and thought leaders.
As a catalyst for innovative solutions and the international promotion of excellence in management development, EFMD is pleased to be a collaborator as Boston University School of Management and leading sponsors launch the Business Education Jam: Envisioning the Future.
This is not the usual one-way panel discussion. It is a worldwide brainstorm like never before and we need you to participate. A 60-hour virtual event occurring from September 30 – October 2, 2014, the Jam is unprecedented in the history of higher education.
Powered by innovative IBM technology, a "Jam" is a large-scale, collaborative online event that drives creativity and probing thought. World-renowned guests will join all Jam participants to open a new dialogue that will build a stronger connection between academia and industry, bolstering the growth and development of business education and businesses alike.
As an EFMD member, you now have the opportunity to view initial Jam content and sign up to receive advanced notice of registration. The Jam is free to participate and will enable massive crowdsourcing of ideas and thoughtful input from all stakeholders: faculty, deans, and administrators, company executives and hiring managers, students and graduates, and anyone who cares about business and business education.
Join the conversations already happening, and visit www.bu.edu/jam to explore the 10 discussion forums in more detail, pre-register, and see how the Jam's powerful social and analytic tools will make this an extraordinary conversation.
You can also follow the JAM on Twitter via @BusinessEdJam


text:
The Hydrant is an ALL Breed Grooming Facility for dogs and cats. Each and every groom on your pet includes: cutting the nails, cleaning the ears, releasing the glands, shampooing your pet twice in the bath, brushing, and the desired cut or trim you prefer.
Grooming services are available by appointment only. All clients must show proof of current vaccinations including rabies certificate from your vet.
Call today to set up an appointment for your pet: 219-923-3649
We strive to make every visit with your pet as safe and stress-free as possible. Our certified groomers and professional staff will consult with you upon arrival so your pet can receive the look and cut you desire. To meet the needs of your pet's skin and coat, The Hydrant only uses high quality and natural products in our salon. A normal Grooming appointment usually lasts around 3 hours. We want to get your pet clean, beautifully groomed, and back to you as soon as they are ready.
NAIL TRIM HOURS (No appointment necessary):
Monday – Friday: 8:30 am until 3 pm
Saturday: 8:30 am until 12 noon
Grooming your DOG or CAT is a skillful process
When your pet gets here, he/she will be prepared for their bath. This will include cutting his nails, cleaning his ears, sanitary trim/shave and then shaving of his pattern or the trimming his haircut. Next, your pet will be taken into the bathing room where he is shampooed and rinsed, then, we repeat the shampooing process again to make sure your pet is the cleanest he can be. After his two baths, he is then dried. The drying process consists of a high velocity dryer to blow the water from your dogs coat and a 'fluff' dryer where the fur is brushed and fluffed while drying. All our dryers DO NOT HAVE A HEATED ELEMENT in them.
Once your pet is fully dried we then do the finish work on his haircut. This includes shaving/cutting his pattern once more and then doing all the scissor work to his feet, legs, face and head.
Generally, on a dog like a Miniature Poodle, this process takes around 3 hours at our pet salon.
When you call the Hydrant to schedule a grooming appointment, your pet will be booked with a groomer on our regular staff (Crystal, Jill, Kelly, Raquel, Alisha, or Mindy). If you want to use the same groomer every time, you are welcome to request that groomer. If you do not request anyone, your appointment will always be with a groomer on our regular staff.
When our Dog Grooming Academy is in session, we also have Students grooming in a separate, supervised classroom environment. You must request a student if you want your pet groomed by a student. The discounts we offer for grooming appointments with students do not apply to our regular grooming staff.
Need a Saturday appointment? Please schedule 10 days to 2 weeks in advance for Saturdays to secure your spot. We can generally get you in Monday thru Friday with just a couple of days notice.
-Nail Cutting All pets nails are trimmed during the grooming process. However if you'd like to get your pets nails trimmed in between visits, we'd be happy to help. There is NO APPOINTMENT needed for just nail cutting. Our groomers are available for nail trim "walk-ins" Monday thru Friday from 8:30 AM until around 3:00 PM and on Saturdays from 8:30 AM until 12 Noon.
-Nail Grinding Sometimes your pets nails just aren't short enough or they may be a little scratchy after they are cut, therefore we do offer NAIL GRINDING. There is an additional charge for Nail Grinding when you request this service with your pet's grooming appointment or with your pet's "walk-in" Nail Trim.
-Nail Painting For our most posh pampered pets, we do offer nail painting. *limited colors available
Please call at least 24 hours in advance if you are unable to make your appointment. Less than 24 hours notice may result in a cancellation fee. After 3 "NO SHOWS", you will be asked to pre-pay for your grooming services.

subset: commoncrawl


text:
Meredith Hunter Split 7"
"Russian History" is the best Self Defense song that came out in 2014. The Meredith Hunter side was really fun to make, Alan actually played drums and bass on that song. Self Defense song was recorded at Andrew's apartment, Meredith Hunter at my apartment. It's lit.
Available on opaque blue and clear.
- opaque blue
- clear


text:
Honey Blast
a s-xual position in which one bear crawls while having -n-l s-x ; the one f-cking is a honey blaster as the reciever is the honey pot
jake honey blasted me last night up the stairs!
Read Also:
- Indigo Clit
female equivalent of blue b-lls. "last night after hanging out with alex, i went home indigo cl-t."
- Industria
of or relating to industrial design. tom: hey kyoko, check out that trendy cafe. all the furniture is rotting wood and concrete, it looks really uncomfortable. kyoko: yeah that's right, tom. they're going for that 'industria' look. does my finger smell funny to you?
- Infartuated
when romantic feelings/infatuation has reached a point where various human functions that would usually be deemed gross and/or repulsive such as; farting, boogers, body odour, bad breath, menstruation, just to name a few become the norm in the unforeseen blink of loves eye. tom is spending the night at sh-lly's, they are cuddling in her […]
- Intellectist
discrimination against those with different levels of intellect. the engineer is an intellectist because he doesn't like mary. mary was not smart enough to finish school.
- Internal colonization
when you believe that the white man is so superior to you in every way you decide to lighten your hair wear contacts bleach your skin to feel less ethnic, brown or black. basically it means you have a little white man inside your heart dictating your likes and dislikes thus ruining your self-esteem, confidence […]


text:
Once again, our Spring Working Bee attracted a great turnout of parents and kids, who enjoyed the warm weather and managed a good number of important tasks. We ended up with close to 40 parents, 45 kids and 8 committee members and teachers. Thanks to everyone for a wonderful effort.
Gardening: – rubbish and weeds were cleaned up all around the school ground and perimeter; tan bark was spread through the Leeds Street gardens; new trees were planted along the Highfield Road fence, as well as in the Senior Playground area, which involved lots of heavy digging and soil carting; the circular garden and Chinese garden were cleaned up and fertilizing was done all around the school gardens. Grounds: – storm water drains and pits were cleaned; mulch raked back and soft play added to the playgrounds; sandpits were sieved, raked and topped up; leaves were cleaned up on and around the oval and all around the school grounds.
Painting: – the warm weather ensured the completion of a number of painting tasks. Seat benches were touched up; whiteboards and weatherboards were repainted in the foundation area; graffiti was removed from the new school wall.
Construction & Maintenance: – thanks again to Greg and his team of willing and able builder dads for managing a number of maintenance and construction tasks.
The final stage of the senior playground was completed with the relocation and new construction of the flying fox equipment; the old picket fence near the barbecue area was demolished; the steel railing adjacent the oval was removed. Many thanks to the committee members for the excellent effort on Saturday, and once again, thanks to Melinda and the Parent Co-ordinators for assigning tasks, looking after everyone and for the lovely morning tea.
As always, thanks to Andrea, Tess and Sarah in the school office for your ongoing support.
If you missed this working bee please attend the final one. (Years 1 & 2 – Sat 8th November)
David Bell
(Tel. 9830 0022)
Convener, Buildings & Grounds Committee


text:
Can Decompression Surgery Reduce Leg Cramps Linked with Spinal Stenosis?
Painful leg cramps during the day or at night can be very disturbing -- both to daily activities and to sleep. And many aging adults complain of this problem, so it has caught the interest of doctors and scientists around the world.
So far, scientists still don't know exactly what causes leg cramps to start. They have identified various other health conditions that may be linked with leg cramps but don't know the mechanism that leads to this symptom. It may be a problem at the motor unit of the muscle. There are some studies showing that older adults start to lose motor groups with age.
But this wouldn't necessarily explain what happens in other cases such as women who are pregnant, people with diabetes, or anyone taking certain medications that seem to be linked with leg cramps. Some of those medications include diuretics (water pills), statins to lower cholesterol, beta-blockers for heart disease, steroids and antidepressants.
In this study from Japan, researchers from Keio University School of Medicine in Tokyo report on leg cramps in patients with lumbar spinal stenosis compared to older adults without spinal stenosis. Stenosis is a narrowing of the spinal canal around the spinal cord This type of narrowing can also affect the foraminal spaces (holes) where the spinal nerves pass through the vertebral bone in order to travel down to the legs.
Stenosis is a common finding in older adults. And leg cramps are common in both stenosis and older adults. But as mentioned, leg cramps also occur in pregnant women, people with diabetes, as a result of taking some medications, and may be a hereditary disorder in some people.
So the question is: if stenosis causes leg cramps, would decompressive surgery relieve those symptoms? Decompression surgery removes bone from around the spinal nerve roots. When the spinal nerve roots are being compressed, back and leg pain with leg cramps can occur. Removing bone from around the nerves gives them more space and removes the pressure. The hoped for result is reduced pain (or in this case, leg cramps).
They sent a survey of questions about leg cramps to two groups of people. The first group had decompression surgery at one or two lumbar levels for back and leg pain associated with lumbar spinal stenosis. The second (control) group was from the general population. They didn't have any back pain or back surgery. They came to the clinic for a general health checkup and agreed to participate in the study.
The survey asked questions to identify who had leg cramps, how often they occurred, if they affected both legs and where the symptoms were located (foot, calf, shin, thigh). The participants also answered questions about time of day/night the symptoms came on, if they could walk (and how far), and if there were other symptoms present such as numbness, cold sensation, or a restless sensation.
For the patients who had surgery, they asked if the leg cramps had changed from before to after surgery and if they were satisfied with the results. They also answered questions about any treatment they may have had for leg cramps (e.g., medications, massage, acupuncture, physical therapy). The presence of any sciatica (shooting pain or numbness down the leg) was reported by the surgical group. Both groups were asked if (and how) the leg cramps affected their daily activities.
Here's what they found:
For the surgical group, they found about two-thirds of patients still had leg pain, numbness in the legs, and leg cramps after surgery -- enough to disturb daily activities. Only 18 per cent reported being better after surgery. The rest were either worse or unchanged.
Despite continued symptoms, more than half of the patients expressed satisfaction with the results of surgery. The reason for this was unclear. The authors thought perhaps they had enough improvement in their symptoms or walking ability to make it worth having the surgery.
The authors concluded that lumbar spinal stenosis is definitely one reason why people develop leg cramps. Decompressive surgery did not help. If the leg cramps was coming from pressure on the spinal nerve roots, then surgery should have made a difference. Since it didn't, why not?
Two possible explanations were offered. First, it's possible those lumbar nerve roots were damaged beyond repair. Removing the pressure from around them was too little too late. Second, maybe once the nerves were unimpaired, the motor units fired up too much, causing hyperexcitability. This hyperexcitability of the motor units then resulted in leg cramps. And third, since most of the surgical patients could walk farther after surgery, perhaps muscle fatigue and a build-up of cell byproducts in the legs led to leg cramps.
It's clear that leg cramps disturbs peoples' quality of life. Further study is needed to really get down to the bottom of leg cramps -- both in the general population and in patients with lumbar spinal stenosis. Besides finding out what causes this problem, there's a need to find treatment that works well. Decompressive surgery may help some walk further but doesn't really improve the symptoms for most patients.
Morio Matsumoto, MD, et al. Noctural Leg Cramps. A Common Complaint in Patients with Lumbar Spinal Canal Stenosis. In Spine. March 1, 2009. Vol. 34. No. 5. Pp. E189-194.
- Login to post comments
*Disclaimer:*The information contained herein is compiled from a variety of sources. It may not be complete or timely. It does not cover all diseases, physical conditions, ailments or treatments. The information should NOT be used in place of visit with your healthcare provider, nor should you disregard the advice of your health care provider because of any information you read in this topic.
|All content provided by eORTHOPOD® is a registered trademark of Medical Multimedia Group, L.L.C.. Content is the sole property of Medical Multimedia Group, LLC and used herein by permission.


text:
Just days after their formal launch, some Samsung Galaxy S9 and Galaxy S9+ units are now reported to have a serious issue that stops the touchscreen from registering inputs in certain areas. The issue, which is mainly making some "dead zones" or "dead spots" on the display panels of the new Galaxy flagships, has been spotted by some users. Between the two models, it appears that users with the Galaxy S9+ are more prevalently facing the problem, though there are certainly some reports confirming the touchscreen issue on the Galaxy S9 as well.
Update: Samsung has said it is looking into reports of 'touchscreen responsiveness issues', saying it affects a limited number of customers.
"Does anyone else have issues with the Galaxy S9 touchscreen? I've got a few dead spots on the bottom half of my screen," one of the Galaxy S9 users reported the issue on the Samsung Community. Some of the users on Reddit even mentioned that the issue persists even after performing a factory reset.
issues with the Galaxy S9 touchscreen?
It is important to note that the issue doesn't exist in any single particular area of the screen. This means that for some users it is the top panel that doesn't recognise inputs, while for the others it is either the bottom or the middle are. Having said that, the problem apparently emerges majorly in the horizontal position and becomes noticeable for many users when using swipe gestures or typing on the virtual keyboard. Several users complained Samsung about the issue and among them, some faced difficulties in returning the faulty handsets if a trade-in was involved.
We've reached out to Samsung for clarity on the issue and will update this space accordingly.
The Galaxy S9 and Galaxy S9+ aren't the only flagships to face the display issues. Last year, the P-OLED display of the Pixel 2 XL was found to have "burn-in" and black smear issues. The iPhone X display also spotted to become 'temporarily unresponsive' at cold temperatures. Apple fixed that issue through a software update in November.


text:
Laguna Beach City Council members acknowledged Tuesday the importance of moving ahead with the Village Entrance Project, albeit at a slower pace and with more public input.
The council voted 5 to 0 to pay KDM Meridian, a land surveying company, $28,300 to develop a map outlining the Village Entrance site area and accept proposals from designers, landscape architects, civil engineers and environmental consultants. The plan calls for a landscaped pedestrian pathway.
In a related matter, council members, echoing public testimony, differed on what should be done with the historic building used to store police evidence near the parking lot at Forest Avenue and Laguna Canyon Road.


text: Share on Twitter Share on LinkedIn Email this newsletter Print this newsletter Briefing 27 December 2017 2018: Challenges and Opportunities Adir WaldmanRichard ListerNoah RubinsJuliane HilfMitchell PresserAlan Wang As we head into 2018, we wanted to share with you, based on our worldwide advice to clients, some of the likely challenges and opportunities we see facing corporations around the globe in the coming period. We believe the following are key areas to watch for any Israeli company operating an international business. 1. Crisis preparedness: When is enough? In today's world businesses can be subject to sudden crises, "life or death" experiences for the firm. In recent years some of the world's biggest organizations have faced serious crises: Samsung, Volkswagen and Facebook to name a few. Whether it's the theft or loss of sensitive information, environmental disaster or a cross-border product recall, businesses are vulnerable to potentially lethal levels of risk. As witnessed by the reported writedowns in value by The Weinstein Company investors after news of the Harvey Weinstein scandal broke, the behaviour of a single employee can have devastating consequences for the firm. While crises are dangerous they may even present opportunity if well-handled. The key is being ready and knowing, to the extent possible, the nature and level of risk your organization faces and having a robust disaster management plan in place. In our experience, being ready to act deftly in the first 48 hours is critical. One helpful step is pre-planning responses to the most likely crisis scenarios and identifying the team, including internal personnel, outside PR advisors and law firms, that you will call upon. 2. Return of the IPO? Equity markets had a strong year in 2017 and we are seeing renewed interest by companies around the world in going public. While IPO volumes on most major markets are still well below their peaks, securities regulators and stock markets are actively working to woo more companies to list their shares. One trend we expect to continue into 2018, especially if weak liquidity levels continue on the TASE, is an increasingly global outlook for Israeli companies. While Nasdaq will undoubtedly remain the market of choice for most issuers, we are seeing more interest in markets such as London, Frankfurt and Hong Kong, which recently saw its first IPO of an Israeli-incorporated company. 3. Regulatory risk and tone at the top As any international businessperson can testify, we live in an ever more regulated world. Regulators across different jurisdictions are cooperating with one another more than ever before, so that a bribery problem in Africa can quickly become a problem in the U.S., the EU or Tel Aviv. At the same time, regulators continue to apply often inconsistent or nationalist approaches, which makes compliance across borders exceedingly tricky. Areas such as anti-bribery, trade sanctions, tax and cartel behavior continue to pose potentially devastating risks for corporations that run afoul of regulators. In addition to robust and fully updated compliance policies, a cornerstone of healthy corporate culture is what has become known as "tone at the top"—the attitude of the board of directors and senior management towards ethical behavior. When companies do trip up, they must act quickly and effectively to handle the problem. The consequences for even minor infractions can be massive if the company was negligent in not implementing appropriate policies or the discovery of an issue was not handled properly: investigations can last years, morph into investigations of other corporate misbehavior, cross borders to other national regulators and spur civil litigation in multiple jurisdictions. 4. Geopolitical risk The past year has not been as tumultuous geopolitically as 2016. Despite this, global investors and businesses are still digesting the consequences of Donald Trump's election, the United Kingdom's referendum to exit the European Union and the unfolding tensions with North Korea. In 2018, significant elections are scheduled to be held in Russia, Iraq, Lebanon and Egypt. In addition to electoral surprises, geopolitical risk lurks in the continued rise of ISIS, natural disasters, wars and migration flows. These sorts of risks, with which Israeli companies are well acquainted, are inherently difficult to predict but must be taken into account in setting strategy for the year to come. 5. Shareholder activism Activity by activist investors—firms that use stakes in public companies to push for changes in corporate strategy—is by now a well-established phenomenon that should be on the radar of all public companies. By some estimates, activist hedge funds now manage over $200 billion, and in 2017 activists increasingly sought to attack companies outside of the U.S. While the lower liquidity and common presence of controlling stakes found in Israeli public companies have so far limited the impact of activism on companies traded on TASE, we have begun to see the impact of activism on locally traded Israeli companies. In addition, a number of Israeli companies traded on overseas markets, particularly in the U.S., have come under attack. Senior business and legal personnel of Israeli companies traded in the U.S., or companies considering listing there, should review their potential susceptibility to activist campaigns and ready themselves vigilantly to respond quickly and effectively. 6. Emerging markets In the eight years since we have had an active Israel-focused practice, we have noted the penchant of Israeli companies to invest in emerging markets. Alongside the potential higher returns afforded by emerging markets, comes higher risk. Careful planning—before the investment is made—can help mitigate much of that risk. For example, structuring your investment through a jurisdiction that has an investment treaty with the target jurisdiction can afford you access to international arbitration rather than relying on local courts in the event of unfair treatment (or worse) from the host government. 7. China outbound investment In the last twelve months there has been a slowdown in overseas investment from China, primarily as a result of tightening regulatory controls. In late August of this year, Chinese regulatory authorities published new guidelines governing outbound investment. In our view, while these Guiding Opinions are likely to further restrain outbound investment, they provide much-needed clarity and also indicate areas in which transactions are likely to be approved. Transactions between Israeli and Chinese companies bring unique challenges, not least in cultural gaps, yet the wave of Chinese M&A involving Israel seems to be far from over, and with a mixture of patience, hard work and skilled advice these are difficult but doable deals. 8. Competition and the rise of protectionism Experienced businesspeople will know that antitrust law bears critical implications for their companies, whether in regard to the need to avoid illegal cartel behavior and abusive market dominance, or in regard to competition considerations for winning regulatory approval of mergers and acquisitions. These considerations have continued to gain importance in recent years as antitrust law becomes increasingly institutionalized in previously less regulated economies and as positions taken by companies in one jurisdiction may bear follow-on impacts in other jurisdictions. In addition to these traditional concerns, antitrust law is now assuming ever greater importance as national regulators in many countries are moving to restrict foreign ownership of sensitive industries or national champions, with principles of antitrust and trade law often playing a role in the analysis. Proposed legislation being considered by the US Congress may make the process for approving foreign acquisitions of US assets, known as CFIUS review, more restrictive. Similar proposals have been raised over the last 12 months in a host of other jurisdictions such as the UK, Germany and the EU. 9. The evolving nature of litigation/arbitration: risk and opportunity With U.S.-style class action mechanisms becoming more widely available in the EU and elsewhere, companies operating in global markets are increasingly exposed to the threat of group claims. In our view, this trend is also likely to lead to more sophisticated plaintiffs' bars in many jurisdictions. In our experience, companies facing potential exposure to group liability benefit from giving early thought as to where they may be sued, potential damages exposure, the window of opportunity during which claims may be brought, and critically, how to navigate, and possibly exploit, the substantive and procedural differences between class action regimes. Litigation and arbitration are of course double-edged swords: while our corporate clients are often on the defensive side of these claims, it bears noting that courts and arbitration forums may also present opportunity, whether to keep a competitor from misusing your proprietary technology or for redress against a wayward counterparty. A trend we see continuing into 2018 is the increasing openness to international arbitration as a more effective and neutral forum for redress than national courts when resolving disputes abroad. Companies entering new ventures with foreign counterparts should consider in advance whether their business agreements should include arbitration provisions. 10. Cybersecurity and data privacy Managing and protecting data has become a key issue for businesses, particularly as regulators and consumers become more vigilant about how that data is processed and stored. Uber and Equifax are only among the latest high profile names to fall victim to data breaches. It has become increasingly clear that whatever your industry, cybersecurity is a critical concern. As your organization holds more data, and your staff use their own devices to perform professional tasks, you become more vulnerable to security breaches. Companies need to be aware of the rules and regulations across the jurisdictions in which they operate and be prepared to act quickly in the event of a breach. In May 2018, the new EU-wide General Data Protection Regulation "GDPR" regime takes effect. Companies should already be taking steps towards putting in place policies and procedures to satisfy the new regime. If you would like to discuss further any of the points raised above, please contact us. Share on Twitter Share on LinkedIn Email this newsletter Print this newsletter


text: Originally from London, in his younger years, William was a famous chef in various greasy spoon cafes across the U.K. As the west got health conscious and fried eggs were supplanted by poached ones, William's inability to master that precarious poach saw him struck off. One afternoon, in one such cafe, a game of poker and a twist of fate—William won two tickets for a trip on a gigantic ship across the Atlantic to New York City, where he fell into fashion (quite literally, tripped and landed in the lap of the fashion editor at New York Magazine). A stint there was followed by some reality TV, and then a few fashion directorships. One of these led him to Pitti Uomo in Florence where he met Fashion Unfiltered's founder Katharine Zarrella over Aperol Spritzes and Italian ice cream (shh...don't tell fashion)—le reste, as they say en France, est l'histoire. When he isn't tripping the fashionable light fantastic William can be found at home in pajamas trying to perfect his poached egg. William is also writing this bio in the third person, which makes him uncomfortable. His favorite color is blue.


text:
Washington: Parents worried about their kids' myopia or nearsightedness, now can relax as a new study has found that dual-focus contact lens, which have alternating visual correction and tre... Read more
New York : Eating an egg a day can significantly increase growth and reduce stunting by 47 per cent in young children, finds a study. "Eggs can be affordable and easily accessible. It can be... Read more
New York: Eating an egg a day can significantly increase growth and reduce stunting by 47 per cent in young children, finds a study. "Eggs can be affordable and easily accessible. It can be... Read more
New York: Parents, please take some time out from your busy schedule to read books to your kids and also engage them in the process. Researchers have found that engaging with children while... Read more
New York: Do you spend too much time on your smartphone during mealtime, playtime and routine activities or conversations with your kids? If so, it may lead to behavioural issues in your chi... Read more
Worried that your children are addicted to unhealthy foods? Take heart — a simple brain-training game could help them choose healthy snacks instead of chocolates and sweets, a study has show... Read more
NEW DELHI: An expert panel set up by food regulator FSSAI has recommended additional tax on highly processed food items and sugar-laced beverages as well as a ban on advertising of junk food... Read more
Washington: Pregnant or lactating mothers should include Omega-3 foods, such as fish, in their diets that can lower children's risk of Type 1 diabetes. New research published in Diabetologia... Read more
Washington: Pregnant or breastfeeding mothers should avoid taking diet high in fructose-containing sugars as it increases the risk of their kids being obese or diabetic. This is according to... Read more
Washington: A team of researchers has discovered a promising target to treat atypical teratoid/rhabdoid tumour (AT/RT), a highly aggressive and therapy resistant brain tumour that mostly occ... Read more
Washington D.C.: All the would-be moms, look before you booze! A study finds, binge drinking before conceiving, may lead to high blood sugar in kids, increasing the risk of developing diabet... Read more
New York: Children with chronically disrupted sleep are likely to have defects in their brain cells that are associated with mental skills, mood and behaviour, researchers have warned. Obstr... Read more
Sydney: Intake of Vitamin D supplements during the first trimester of pregnancy is likely to prevent the development of autism traits in children, researchers found in a study on mice. Autis... Read more
New Delhi: As per a recent study, living in urban areas can make asthma worse for your children.These findings were published in Journal of Allergy and Clinical Immunology. The study shows t... Read more
Washington: A recent study reveals, babies, especially preterm ones, with high levels of serum uric acid during early years of life, may be associated with high blood pressure at the age of... Read more
London: Children who watch TV or use smartphones or tablets for more than three hours a day may be at a higher risk of developing diabetes, a new study has warned. Daily screen time of three... Read more
London: If your kid is spending three or more hours daily in front of TV, using computers, games consoles, tablets and smartphones, he or she may be at risk of developing diabetes, a study h... Read more
Washington: Parents, beware! A study warns, children aged 9-10 years, who consistently spend three or more hours watching TV, using computers and smartphones, are at high risk of developing... Read more
London: Worried about your kid's ever increasing waistline? Blame your level of obesity, as according to a new study, kids are nearly 35-40 per cent likely to inherit the body mass index (BM... Read more
New Delhi: Kids suffering from asthma have some respite as China has agreed to promote use of peak flow charts on both physical paper and smartphone apps. The alliance is joined by the State... Read more


text:
|Melsoft Games
|Android 3.0 and up
Today I want to share a great andriod game that name is Toy Defense: Fantasy Towers (latest version) Andriod Game.
Trolls and goblins are attacking! Lead your own fantasy army and defend the castle!
A hit TOWER DEFENSE strategy game in a fantasy world
Recruit and train your kingdoms warriors, elves, wizards and healers to create a powerful army and destroy the enemy's forces! Use the power of magic to defend your castle and show your courage to drive those vile monsters from your fantasy kingdom! Get involved in the exciting Tournament Mode! Try to beat your friends and win all the top prizes! Enjoy this tower defense, the best among military games, with knights and dragons. FEATURES
▶ Immerse yourself in a medieval fantasy atmosphere
▶ Enjoy 6 exciting levels
▶ Get ready to compete in thrilling weekly tournaments with your friends!
▶ Develop your own unique strategy with a wide range of magic skills
▶ Battle evil generals at the end of every wave!
▶ Defeat over nine types of enemies, from trolls and goblins to dragons and mercenaries
▶ Get ready for never-ending upgrades! Become the defender of your kingdom! Feel the thrill of fantasy battles in this tower defense hit! Perfect the skills of your warriors, build more defensive fortresses, and devise your own strategy to dominate your enemy's armies! Love military strategy games? Dive into fortress defense battles, the kingdom need a brave defender! Follow us for the updates!
http/www.twitter.com/MelestaGames Be sure to check out our other games!
Game Features:
No change log.
Download Toy Defense: Fantasy Towers Unlimited Android
- Download the file.
- If the file is archived (rar or zip) to extract data.
- Install the Toy Defense: Fantasy Towers.apk and place the "com.melesta.toydefense3" folder in sdcard/Android/obbacted folder.
- Launch the app 100% offline compatible google play installation and online data verification is not required.


text:
Bupa improves critical illness plan with Best Doctors
The large UK-based insurer, Bupa has extended its Best Doctors offering to all clients with critical illness plans.
Clients will now be able to use the Best Doctors service even if not actually making a claim. This service allows clients to get a second opinion from specialist consultants in their field regarding the initial diagnosis of their medical condition.
The Best Doctors offering was previously only available to clients holding income protection or critical illness plans that had already made a claim. It is now not necessary to be making a claim to receive the second option service, eligibility is simply from a policyholder.
The only restriction of note to this service is that the policyholder must have been initially diagnosed with suffering from a medical condition of a critical, chronic or degenerative nature or where the condition is substantially affecting the clients quality of life.
Bupa are credited with being the first insurer to offer the services of Best Doctors to clients in the UK and are also now the first insurer to provide this extended offering.
Critical illness plans are often taken out with life insurance policies to also provide protection against serious illnesses or injuries. Mortgage critical illness plans are frequently taken out to cover a mortgage loan from this financial risk.


text:
Suzanne Vega was the first major figure in the bumper crop of female singer/songwriters who rose to prominence during the late 80s and 90s. Her hushed, restrained folk-pop and highly literate lyrics (inspired chiefly by Leonard Cohen, as well as Lou Reed and Bob Dylan) laid the initial musical groundwork for what later became the trademark sound of Lilith Fair (a tour on which she was a regular).
Vega's early commercial success helped open doors for a wealth of talent, and with "Luka" and the platinum "Solitude Standing", she maintained a strong and dedicated cult following. Vega returned in 2001 with her first album in five years, "Songs in Red and Gray", which was greeted with her strongest reviews in a decade.
Spirit International Artists is the leading talent buyer & producer for corporate entertainment and private functions.
We do not personally represent any of the artists on this website. We are not their agents or managers. We act as your buying agent, and approach Artist's management and Agents on your behalf. We also can produce your entire event, or any part of it.
Click here to view our privacy policy.


text:
The Eight Books of Thucydides' History, translated by R. Crawley.
52 Pages
Page 2
Meanwhile the Corinthian fleet from Leucas made all haste to arrive; and one of their commanders, Gongylus, starting last with a single ship, was the first to reach Syracuse, a little before Gylippus. Gongylus found the Syracusans on the point of holding an assembly to consider whether they should put an end to the war. This he prevented, and reassured them by telling them that more vessels were still to arrive, and that Gylippus, son of Cleandridas, had been dispatched by the Lacedaemonians to take the command. Upon this the Syracusans took courage, and immediately marched out with all their forces to meet Gylippus, who they found was now close at hand. Meanwhile Gylippus, after taking Ietae, a fort of the Sicels, on his way, formed his army in order of battle, and so arrived at Epipolae, and ascending by Euryelus, as the Athenians had done at first, now advanced with the Syracusans against the Athenian lines. His arrival chanced at a critical moment. The Athenians had already finished a double wall of six or seven furlongs to the great harbour, with the exception of a small portion next the sea, which they were still engaged upon; and in the remainder of the circle towards Trogilus on the other sea, stones had been laid ready for building for the greater part of the distance, and some points had been left half finished, while others were entirely completed. The danger of Syracuse had indeed been great.
Meanwhile the Athenians, recovering from the confusion into which they had been first thrown by the sudden approach of Gylippus and the Syracusans, formed in order of battle. Gylippus halted at a short distance off and sent on a herald to tell them that, if they would evacuate Sicily with bag and baggage within five days' time, he was willing to make a truce accordingly. The Athenians treated this proposition with contempt, and dismissed the herald without an answer. After this both sides began to prepare for action. Gylippus, observing that the Syracusans were in disorder and did not easily fall into line, drew off his troops more into the open ground, while Nicias did not lead on the Athenians but lay still by his own wall. When Gylippus saw that they did not come on, he led off his army to the citadel of the quarter of Apollo Temenites, and passed the night there. On the following day he led out the main body of his army, and, drawing them up in order of battle before the walls of the Athenians to prevent their going to the relief of any other quarter, dispatched a strong force against Fort Labdalum, and took it, and put all whom he found in it to the sword, the place not being within sight of the Athenians. On the same day an Athenian galley that lay moored off the harbour was captured by the Syracusans.
Thucydides History - Table of Contents
Thucydides Home Page & Bilingual Anthology
Elpenor's Greek Forum : Post a question / Start a discussion
Reference address : https://www.ellopos.net/elpenor/greek-texts/ancient-greece/thucydides/history-7.asp?pg=2


text:
The Yeti Rambler Lowball is built to be your all-day drinking buddy, from your first cup of joe to your last nightcap. Along the way, the double-wall vacuum insulation will keep your hot drinks hot and your cold drinks cold far longer than standard mugs or cocktail glasses. And unlike your favorite bourbon glass, this Lowball will never shatter on impact or leave a ring on your coffee table thanks to its 18/8 stainless steel construction and No Sweat Design.
|Item #:
|10 fl oz / 0.3 L
|Stainelss Steel
|Part Number
|Brick Red
|Olive Green
|Navy †
Gave this Yeti 10oz Lowball size tumber a 4 Star only because: 1. Yeti does Not sell this 10oz lowball with the tight fitting lid included, think that is a poor move on there part, all the other size tumblers come With the lid, why not the Lowball? why, because they can stick the buyer for more $$? 2. this small Lowball size tumbler does Not fit in my standard cup holder in my truck, the other sizes Do fit? again, poor design on the bottom size of this Lowball tumbler. other than that, the % of savings that ACK always saves me on my purchases, is why I will continue to be a customer with ACK for Life, expensive for small vessel, but in reality, it works excellent, if you "charge" pre heat all of them prior to filling, extra hot water for hot liquids, or putting ice cubes to hold cold liquid, the Yeti's are 5 Star in performance, built thick with double wall, and they hold heat/cold for a very very long time!
Not bad. I try and use it all day at work. I live in Canada so the end price was a bit over $75.00 USD ($85.00 CDN) all in. Somewhat overkill expensive to be totally honest. Is worth it is you live in USA and would be a great holiday gift. Im Canada, get the 20 oz unit instrad.
Love them!! Keeps my coffee hot all morning
Yeti never disappoints! Great product. I purchased the lowball strictly for a mixed drink or three. I've been using my other lowball for hot beverages and decided it was time for another!


text:
Error -600 on Plex Media Server
I am having a random error on my Plex Media Server. It will sometimes crashed and then the error message below will appear:
The application Plex Media Server can't be opened.
I will need to restart my computer before I can run it again. I don't remember when and how it happened but the last thing I know I am doing is, I am choosing the Update Library . How can I be able to solve this issue?


text:
If departing EasyJet chief executive Carolyn McCall is replaced by a man in the top role at the UK low-cost carrier later this year, it will cut by a third the number of female leaders at airline groups that featured in Flight Airline Business's recently published ranking of the top 100 by revenue.
Registration gives you instant free access to FlightGlobal's news, in-depth analysis, insight and opinion from our global team of experts, and access to our Flight International and Flight Airline Business online libraries.
You'll only need to log in once to access FlightGlobal's premium free content.


text:
Use lurida in a sentence
- She asked Lurida what she thought about it. [6]
- Lurida could not understand her excitement, but she was startled by it. [6]
- He felt sure that she would not let Lurida commit herself by writing foolish letters to the subject of her speculations, or similar indiscreet performances. [6]
- Lurida turned deadly pale, and sank fainting to the ground. [6]
- She went straight over to the home of Lurida, who was just dressed for breakfast. [6]
- Lurida was full of suggestions, plans, projects, which were too liable to run into whims before she knew where they were tending. [6]
- The truth is, Lurida was one of those persons who never are young, and who, by way of compensation, will never be old. [6]
- Dr. Butts had known Lurida and her friend from the days of their infancy. [6]
- But Lurida believes it was the ribbon, or something in the combination of colors. [6]
- Miss Lurida Vincent, gold medallist of her year at the Corinna Institute, was the leader of these advocates of virile womanhood. [6]
- Lurida Vincent is engaged! [6]
- Lurida was flushed and panting with the excitement of her new discovery. [6]
- Lurida was in an excited condition, in the midst of all her new interests and occupations. [6]
This page helps answer: how do I use the word lurida in a sentence? How do you use lurida in a sentence? Can you give me a sentence for the word lurida? It may also be related to school charter, highschool department of education, training school supplies, classrooms, English help, and secondary school.
Example sentences with the word lurida, a sentence example for lurida, and lurida in sample sentence.


text:
Prev | Index | Next
Build of Seaview with lighting courtesy of battery operated Christmas LED lights
Prev | Index | Next
Return to Gallery Index
Website copyright © 1994-2019 Irwin Allen News Network.
All Rights Reserved
All Irwin Allen Productions © the respective production companies including Irwin Allen Productions, 20th Century Fox and Warner Brothers.
Please mention THE IRWIN ALLEN NEWS NETWORK as your source if quoting information from any of the IANN web pages.


text:
Mergers & Acquisitions Seminar (LAW-711-001)
Joseph Connolly
Assessment:In-class final exam with essay questions. Open book, limited to class materials and student notes. Class participation.
Focuses on both the state corporate and federal securities law aspects of negotiated and hostile transactions resulting in a change of corporate control, including merger transactions, contested proxy solicitations, tender offers (both third party and issuer), and going private transactions. Examines the federal regulatory requirements governing disclosure of large ownership positions, as well as the corresponding tactical and strategic considerations associated with structuring domestic business combinations. The Seminar also examines the fiduciary duties of the board of directors when considering a change of control transaction, including the adoption of defensive provisions to protect the corporate enterprise.
No paper is required or expected, and the Seminar will not fulfill a student's legal writing requirement.
Prerequisites: Corporations and Securities Regulation
Textbooks and Other Materials
The textbook information on this page was provided by the instructor. Students should use this information when considering purchases from the AU Campus Store or other vendors. Students may check to determine if books are currently available for purchase online.
1. Either (a) Coffee & Seligman, Selected Statutes, Rules and Forms under the Federal Securities Laws, 2015 Edition, Foundation Press (or 2016 Edition, if available) ("C&S"); or (b) any other current compilation of the Securities Act of 1933, the Securities Exchange Act of 1934 and the rules and regulations promulgated thereunder. Note: Whatever securities law compilation you use must contain SEC Regulation M-A.
2. The course materials uploaded by the Law School, with copies available through the Faculty Secretariat.
3. Photocopy sets of assigned reading materials distributed during semester.
First Class Readings
Not available at this time.
Use your MyAU username and password to access the syllabus in the following format(s):


text:
It's been my observation in life that human beings were meant to work. We are hard-wired to work – or perhaps another way to say it is, we are programmed to produce, to create, to build, to do.
Some of the people who know this and pursue such a life style are commonly called entrepreneurs. Lots of people recognize that they are happiest when they are doing something productive, but entrepreneurs have stepped it up a level in self-directing themselves and assuming the risk inherent in forging their own path. They know that the real road to happiness is not only to do productive things but to do what one loves to do. This often results in new ideas, inventions, and sometimes forges a completely new society.
Without a focus in life, without goals or outlet for creative effort, most human beings seem to become miserable and unhappy with all around them, and can often be witnessed to engage in self-destructive activities.
That we humans should be thus, shouldn't be too surprising given that productivity is undoubtedly an innate impulse that nature imposes upon us to maintain life. It is in our nature as human beings.
In a society that allows the unleashing of the true nature of human beings, the advancement of production and technology has gradually created a surplus of wealth that allows some people to avoid this reality – allows them to attempt to forsake their own nature — but it is there nonetheless.
Life is likely to be far more rewarding for those who understand that their identity comes from what they do, far more so than anything external— and that the first person one must impress in life is yourself, if content and happiness is the goal.
Anyone who deplores this obligation of life and advocates a life of simple consumption, does a great dis-service to those who buy into their ideas. Nothing will destroy the spirit, character, or self-confidence of an individual more than inactivity, of not having goals or not exploring their inner-being.
Front page news stories reveal that no one is immune from their nature as a human being and the need to create or produce – whether its young hoodlum thugs wandering streets aimlessly, wantonly spreading destruction, pain and even death to others, or the rich and famous who have at their disposal all that they need for creature comforts, but are still not happy. The news stories are usually about misbehavior that defy laws, about drugs, suicide attempts, attacks on others, displays of pointless anger.
It's been said that the "most dangerous man" is a man without a purpose. A man without a purpose is someone who is attempting to abdicate their true nature.
Given our nature and the opportunities we have, it is amazing that so many in our society seem bent on reaching a nirvana where "work" is no longer demanded of them. Undoubtedly, this comes in large part from people who have forsaken themselves in the pursuit of security and the unchallenging existence of punching a time clock in the quest of someone else's dream – not that those kinds of jobs aren't challenging and rewarding – in fact most are, but whether they are depends on the individual involved and whether that individual is doing what they love to do and on their way to achieving some personal goal. When that isn't the case, it is understandable that life becomes a countdown to the day they no longer "work."
Interestingly, as we have all surely observed, many people who "retire" only do so to immediately pursue some other endeavor, either as part of a plan or in the realization that to do nothing is not nearly as rewarding as they imagined.
Not everyone is cut out to be an entrepreneur but they are cut out to understand themselves and to know what pursuits and goals in life will be most fulfilling – and who knows, quite often they grow into becoming entrepreneurs.
We recognize entrepreneurship to be a hallmark of the height of achievement not because of the wealth or accolades it may generate, but because we recognize the individuals who take on such challenges as someone who is reaching the pinnacle of what it means to be human. They are reaching for the best within themselves, which should be the goal of each of us.


text:
New arrivals. Exclusive previews. First access to sales. Sign up to stay in the know.
Coral Floral Paisley Cashmere Throw
Availability: In stock
Coral Floral Paisley Cashmere Throw
Availability: In stock
Product Code :
- Description
Featuring an absolutely stunning design, this muted grey and orange cashmere throw has a wonderful heritage style. Our all-natural, grey blanket is wonderfully soft, eye-catching and utterly charming. This 100% cashmere blanket has been made in Scotland by our talented craftspeople. All of our knitted and woven home accessories benefit from our 200 years of expertise and attention to detail.
Our Cashmere Floral Paisley Throw draws inspiration from Scottish textile heritage. Intricately hand painted designs in opulent colouration translate into delicate jacquard patterns.
100% Cashmere
Size: 190x140cm / 74.8x55"
Presented in one of our branded gift boxes
Woven in Elgin, Scotland
Dry Clean
- Size Guide
Please note measurements are in inches, and can vary slightly from garment to garment due to our hand finishing processes.
If you require any further information, contact firstname.lastname@example.com
- Care Guide
Look after your fabric
Lavish a little love on your favourite things
It only takes a little extra care to make sure your Johnstons of Elgin cashmere keeps its trademark softness for many, many years to come.
Wearing your cashmere for the first time
When you first wear your new garment you may find small balls of fibre or 'pills' forming on the surface. These are not a fault or indication of inferior quality but are simply loose fibres tangling together where the garment has been rubbing. They can easily be removed by hand or with our cashmere de-pilling comb. Once removed, your garment will actually consolidate and become softer. You can browse our full collection of care products here.
Handwashing and dry-cleaning
Cashmere knitwear can be hand washed or dry-cleaned. We recommend hand washing your knitwear following these simple guidelines and dry cleaning woven items such as scarves or blankets.
Hand wash in lukewarm water (35°C) using Johnstons Cashmere Shampoo. Gently squeeze the suds through the fabric, taking care not to rub the garment too much as this may cause shrinkage and increase pilling. Rinse the garment in cool clean water, squeezing gently without twisting or wringing. A short light spin in a spin dryer will help remove most of the water.
Smooth the garment back into shape, gently coaxing any facings or trims back to the correct size, and dry naturally away from direct heat such as radiators and sunlight. Ideally the garment should be dried flat on a clean towel. When dry, press lightly with a cool iron.
Under no circumstances should the garment be tumble-dried.
Following these instructions, your garment will preserve its shape and luxurious touch for many years - the hallmarks of the very best cashmere.
- Delivery & Returns
We offer COMPLIMENTARY WORLDWIDE SHIPPING, and use the best possible delivery couriers to ensure your order arrives as quickly as possible. Find out more about our.
We want you to be absolutely delighted with your purchase. If for any reason you are not, we offer a generous 28 day returns policy & COMPLIMENTARY RETURNS SERVICE within the United States of America. Find out more about our


text:
What was mind blowing when we first visited NL was the all around smell of weed. If you find yourself in Amsterdam especially, you will not stop noticing the specific smell. And when we saw people smoking in front of the police, it was like "are we for real?". It is not like you will not find it in Romania, but you can be jailed for it – this doesn't mean that at a Massive Attack concert nobody was smoking.
So the first question was: is it for real legal or not? After searching and reading on forums, it was clear that marijuana is tolerated, but not legalized. What it is even strange is that by law you can raise up to 5 plants for own consumption, but the coffee shops have a maximum 500 gram merchandise at a point in time and no right to grow/buy. The conclusion is that you can raise, you can buy it from stores, but you cannot sell it. So how are the coffee shops getting it? Nobody knows, of course there is some trafficking – really hidden from the newspapers. Last year there was even a case of an old man caught selling own raised weed, but he wasn't jailed because the weed was ECO. A more updated article related with all the legal conditions may be found here.
One night we were heading to a LIVE concert near our apartment. It was around 10 pm, a weekday, and initially we thought that the concert ended (below the picture of the place). In fact, we were the only ones inside and the rest, around 15-20 people, were outside, on the street, rolling joints and smoking. This is the town in which you will not find a place to have breakfast at 7 am, but you will find a coffee shop (places where you can buy easy drugs, but no coffee). In the quiet town of Haarlem 🙂


text:
Starting August 13th, Epcot will relaunch the Mission: SPACE attraction with a brand new experience and an enhanced version of the "classic" ride.
The revamped Orange Mission, or Mission Space – Mars, has been enhanced with new HD video produced by the folks over at ILM.
The family-friendly Green Mission, now known as Mission Space – Earth, takes you on an exciting orbit around Earth. On this new adventure, you'll take in sites like the Hawaiian Islands, Italy's "boot" and the Northern Lights—as seen from space, of course—before finally landing at Kennedy Space Center in Florida.
In addition to all the "mission" updates, Walt Disney Imagineering has also made this attraction more family-friendly. As we reported a few weeks ago, Disney today officially announced that the height restriction will be changed for the Green Mission side with the addition of new "X-2 booster seats", allowing children 40-44" to ride.
Mission Space relaunches August 13th, 2017, which is also the last day of operation for the nearby Universe of Energy.
I don't know about you, but there are times when planning a Disney vacation can be overwhelming! There are so many options, where to stay, when to go, is this the best price. So, I want to introduce you all to Cindy Minor and the team at Small World Big Fun. They will help you plan your Disney vacation for FREE. Contact them today!


text:
Behind Enemy Lines: Colombia
Released this year, the film "Behind Enemy Lines: Colombia" depicts the FARC as the "most powerful and most dangerous communist guerrilla force on the planet". To combat the rebel group and to secure peace in the war-torn country, one US elite team (Navy SEALS) is sent to the country on a secret mission. Directed by Tim Matheson and written by Tobias Iaconis, the movie has caused a controversy over the way films show Colombia and its decade-long civil conflict.


text:
With California almost behind us, I've decided to collect all of the links to my posts about the places we visited. Not nearly as extensive as my posts about living and traveling abroad, but hopefully I'll add more posts and more links about our next city in the future.
We went to the Orange County Zoo many times, despite someone's insistence that it was not, in fact, a zoo.
We slowly introduced her to the beach and Jon eventually won her over to his side.
We tried our best to go to as many art museums as possible with visits to the Bowers Museum in Santa Ana, the Los Angeles County Museum of Art, and the Getty Center in Los Angeles.
We explored local history with a visit to the Nixon Presidential Library.
and, of course, we ate: here, here, here, and here.


text:
If you're unable to muster up the funds to complete a deposit for a home loan application, your parents or guardian may be able to chip in if you provide your lender with a gift letter or statutory declaration.
With a record low cash rate of 2.0% and rising property values, many first home buyers looking to enter the property market are unable to scrounge the funds for a deposit. As a result, many young Australians are turning to their parents or an immediate family member for a gifted deposit that is both "unconditional" and "non-refundable."
While some first-time buyers or young borrowers may be stimulated by low-interest-rate settings, many experts are citing rate hikes on the horizon, which means borrowing could become more expensive.
Coupled with the recent tightening of borrower guidelines due to the APRA's new policies and changes to the First Home Owner Grant (FHOG), it's likely that more Australian borrowers will need assistance through a gifted deposit to get into the real estate market.
ALSO READ; Is Australia's sponge society harming financial education?
ALSO READ; Home loan deposits: The gift that keeps on giving
ALSO READ; The perks of guarantor home loans
What is a gift letter?
Provided by a parent, guardian or close relative such as your grandparents, a gift letter confirms that someone is providing you with the funds to complete a deposit for a home loan. The gift letter must state that the deposit is an "unconditional" gift. Generally, it should not be repayable (some lenders may make an exception for this).
Most lenders require the gift to be held in the account for a minimum of three months prior to purchase application approval, particularly if you have less than 20% of the deposit saved up.
Why do lenders require a gift letter?
In some cases, lenders will need to confirm the source of your deposit to ensure that you are not sourcing the funds from credit cards, a personal loan or any other form of finance. In other words, the lender wants to make sure that you have not taken out another form of finance and won't become preoccupied with servicing other debts.
What does the process involve?
If your parent or family member has agreed to gift you the deposit for a home loan, you will need to approach your lender to see whether or not a gifted deposit will be accepted. If so, you'll need to provide the lender with a standard gift letter, an example of which is detailed below.
Most borrowers need to show proof of at least 5% in genuine savings, such as regular deposits from a salary over a period of no less than three months. The lender will ask to see recent bank statements as evidence of due diligence and financial discipline. If the lender doesn't believe you can demonstrate financial discipline and the ability to put money away, you may be charged a higher interest rate or your application may be denied.
What does a gift letter look like?
Australian lenders have strict requirements about what needs to be included in the gift letter, including but not limited to:
- Correct date and signatures.
- Name of the gift-giver and the recipient.
- The gift amount.
- Confirmation that the gift is "unconditional".
- Confirmation that the gift is "non-repayable" and "non-refundable", or confirmation otherwise of how the loan (not gift) will be repaid.
To whom it may concern,
Re: Natasha Gyles
I confirm that I am giving my daughter Natasha Gyles an unconditional gift of $65,000 for her to use to buy a property located in Mona Vale, NSW. I confirm that this gift is non-repayable and non-refundable.
Should you require any additional information regarding this gift, please do not hesitate to contact me on 02 XXX XXXX.
(parent signature)
Mitchell Gyles
1 York St
Sydney NSW 2000
You should speak to your lender or broker about any other steps required to ensure the acceptance of your gift letter.
What is a statutory declaration?
Alternatively, some lenders may specifically request a statutory declaration to confirm the gifted deposit. An example of a statutory declaration form is detailed below.
A bank will often ask for a statutory declaration as a precautionary measure to ensure that the gifted deposit is being provided by a family member, that it is "unconditional" and preferably "non-repayable."
Statutory declaration checklist
While the process is fairly straightforward and your lender will specify what you need to include in the statutory declaration, many people omit important information. Here are some things to keep in mind when forming the statutory declaration document:
- Ensure the form is dated correctly.
- Include signatures from both parties (the person taking out the mortgage and the person offering the gifted deposit).
- Make sure it is signed by an authorised witness such as a Justice of the Peace (JP) and their reference number is included.
- If the lender has specified that you need to follow certain wording or format, ensure that you follow these guidelines.
What does a statutory declaration look like?
There are numerous declarations or details that a lender may need you to confirm, some of which include:
- Name change. Whether you've changed your title as a result of marriage or any other means, the lender may require you to include details of this in the statutory declaration.
- Loan purpose. Most lenders will request that you specify the purpose for the loan, such as whether its for owner-occupier or investment purposes.
- Living situation. Some lenders may need you to confirm information regarding your living status, such as whether you are paying rent in a property or living with your parents rent-free.
I/We: Mitchell Gyles
Of: 1 York St Sydney, NSW 2000 in the State of New South Wales (NSW), solemnly and sincerely declare the following:
I will give my daughter Natasha Gyles a total of $65,000 to assist her to purchase a property in Mona Vale,NSW. This gift is unconditional, non-repayable and non-refundable.
And I/we make this solemn declaration conscientiously believing the same to be true and by virtue of the provisions of the Oaths Act 1900 (as amended).
Subscribed and declared at Sydney NSW
January 02, 2016
(parent signature)
Mitchell Gyles
Name: (Name of JP)
Justice of the Peace #: 123456
Will I have to pay lender's mortgage insurance (LMI)?
If your gifted deposit is less than 20% loan-to-value ratio (LVR), you may need to payLMI. However, it's likely that you'll be able to capitalise LMI into your loan.
Enter your details in the calculator below to work out how much you can afford to borrow.Back to top
Which lenders will accept a gifted deposit?
While some lenders will not lend funds to borrowers who have received their deposit money as a gift, there are several Australian lenders, such as the Commonwealth Bank of Australia and ING Direct, that will accept a gifted deposit for your loan application.
It's important to note if you borrow the deposit from your parents and intend to repay the amount later, this is considered a loan and not a gift. Some lenders won't accept this type of loan arrangement.
Tips for applying for a home loan with a gift letter
- Apply with a lender that views borrowers with gifted deposits as low-risk borrowers.
- Consider whether the gift jeopardises the financial position of the gift giver.
- Ensure that the gift giver seeks independent financial advice to see whether or not they are in a position to provide the unconditional gift.
- Carefully review the terms and procedures of the lender on how to provide a gift letter and/or a statutory deposit.
- Include as much detail as possible in your gift letter or statutory declaration regarding the loan purpose and any other relevant information.


text:
You guides your child not to talk to strange?
Since years ago, parents teach their children that they must not accept gifts, candies, candy from strangers. The main reason for this is the concern for the safety of the small and the fear of it being away from family.
It's not easy to talk about it or have 100% certainty that the child simply will not talk to any strangers around, because nowadays, kidnappers increasingly use techniques to take the children away.
The conversation should be performed when the child starts to understand certain things, when playing in a park, for example, is a routine for her. Yes, any diverted to look parents accidentally get, can be a window for the kidnapper to act.
Must explain to the child that she must refuse politely any thing to offer to her, because you don't know what's out there and what are the intentions of the person. And that whenever a stranger get close, the child should go towards the parents and ask for "help" for them.
With the older is different because they are alone and have a life completely different from when they were young. They should keep an eye out on the street with valuables, if some stranger arrives to offer drugs and also via internet, because pedophiles use fake profiles to gain the confidence of a teenager.
These instructions must be repeated whenever necessary, since children aren't going to get it the first time it is spoken. Repeat always and remember what to do when these incidents happen.
Get to know the story: an eye on the messages
Download the Free Timokids in your phone and tablet:


text:
Caribbean: Tropical Storm Nate - Flash Update No.2 - 06 October, 2017
Tropical Storm Nate formed Thursday 5 October in the Caribbean near the coast of Nicaragua. The storm caused heavy rains and landslides over several countries in Central America. As of 6 October, the death toll has risen to 28, with 14 people missing. National Civil Protection systems have been responding with local coordination mechanisms.
TS Nate will travel near or over the north-eastern coast of the Yucatan peninsula on the evening of 6 October as it makes its way to the US Gulf Coast, where it is projected to make landfall as a hurricane.
1. Nicaragua
11 deaths
Government has provided food supplies for more than 1,600 affected families
11 departments/31 municipalities affected
More than 10,000 people affected
2. Guatemala
5 deaths, 3 missing
2,749 people affected
413 people rendered homeless
3. Costa Rica
8 deaths, 11 missing
3,921 people evacuated to 94 shelters
419,868 people without water
4. Honduras
3 deaths
16 provinces on yellow alert
143 affected people
5. Panama
1 death
150 affected homes
750 people affected


text:
Inside the big switch: the iPod and the future of Apple Computer
Posted on July 11th, 2005 by darkmoon
If you've been following the Apple-to-Intel transition, you're going to want to read this whole article. Why? Because I'm going to do something that I almost never do: spill insider information from unnamed sources that I can confirm are in a position to know the score.
Read the full story here.


text:
What to expect with Permanent Eyeliner
My experience with upper permanent eyeliner
After years of having my eyeliner end up under my eyes accentuating the dark circles, I decide to look into getting permanent eyeliner done. First, I did a lot of reading online about what to expect and questions to ask. I found most of the internet sites used the same photos and pushed their services. Here's my pictures of before and after over a series of weeks to show you the healing process. I am not wearing any make-up in most of the photos.
My advise: Start with only getting the liner between the lashes and a slim line of eyeliner. You can always go back and get more tattooed. There is no real black color, the black color is more of a dark grey when applied or tattooed in. It does not look weird when done correctly. Actually you would only see it from very near if at all. You could get it done in a way that it only looks like you have more and denser lashes. The colors should not contain any dangerous particles.
The procedure was done in two visits. The first visit was the longest and most uncomfortable. She used a numbing gel that did not completely take the sensation away so it felt like she was lightly scratching my eyelid. I could feel my eyelid twitching under the needle but had no way to control it. The second session was to fill any gaps or darken the line depending on how your eyelids healed. The second session she used a new cream and the discomfort was minimal.
The eyeliner looks much darker and heavier the first two days. As time passes the tattoo will scab and then flake off leaving the final version of the eyeliner.The shiny look if from the petroleum jelly I was told to keep on my eyelids until they healed.
I wanted my eyeliner to look very natural and just make my eyelashes look fuller. I can always make it heavier for a special occasion. You will notice I had my lower eyelids done a few years ago and the tattoo is not even or balanced. One eyelid took and held the dye much better then the other so they do not match. I am having my lower eyelids re- done on the follow up visit. This is not the original permanent makeup artist doing my uppers.


text:
This time last year, I was preparing to start my courses at Sussex University after about a month of traveling and getting acquainted with my university, Brighton and beyond. You can see the original post here.
After (for lack of a better word) dumping my stuff at my friend Adam and Clare's flat, I headed on my first international trip to Dublin, Ireland with my friend Joe. My favorite part was our day trip to the northern coast and meeting up with my other friend, Rachel, who showed us all the great local spots in Temple Bar.
Immediately after Dublin, I went to Copenhagen, Denmark. Although it was a lovely city, I was a bit underwhelmed with things to do, perhaps because it was my first time traveling alone.
Before I moved into my halls, I took a power tour of Brighton with another girl from Arizona State called Emily before taking the train up to north London to see Brand New. I moved into my halls the very next morning, but I didn't have much time to socialize because my dad came to visit. He saw my room and a bit of campus, but I was new to the area myself, so I couldn't show him as much as I would have liked.
Then, Fresher's Week began. As I explained in my original post, Fresher's Week is a British university tradition where students (particularly first years) attend a lot of social events, both in town and through the school. It was a great way to hang out with my roommates and make friends which would last the whole year and possibly a lifetime. In retrospect, it wasn't so much the events that were memorable, but the friendships I made, rather. I wish we had Fresher's Week in the United States, I feel I'm much better at meeting people in pure social situations rather than in a society or in class.
I also had my first proper trip to London that week with my wonderful guide, Tom. It was a beautiful day, little did I know it was one of the last warm, sunny days I'd see until spring. I was overwhelmed with how big the city was, how many people there were and how gross the River Thames was. Regardless, I felt lucky to live near such a huge city with rich history and vast culture.
When I first came to the United Kingdom, it took me a while to adjust (particularly counting change, familiarizing myself with stores, and more), but by the end of my time abroad, I knew my way around the city better than most. However, I still struggled with where to wait for the bus and the whole driving-on-the wrong-side of the road thing will never make sense to me.


text:
Visit Us
Our regular meetings take place at The Deanwater Hotel, Woodford, Stockport SK7 1RJ
Poynton Rotary Club meet here every 2nd and 4th Thursday each month for an informal dinner at 7.45 pm.
A substantial one-course meal with tea or coffee is available, plus a bar for refreshments.
Please check the Events Diary for the date of the next meeting.
Location and your route details:
Please click here for a location map for our meetings.
Enter your starting post code / location to obtain suggested routes and journey times.
We really look foward to your visit.
Visiting Rotarian or Evening Speaker:
For details of the meeting please see the Events Diary. For the choice of meals and dietary requirements, please contact John Weaver, our Attendance Officer or Chris Ellis, our Club Secretary.
Interested in membership:
Come along to one of our regular meetings which take place at The Deanwater with no obligation to take up membership.
Get to know us and what we're about in an informal relaxed atmosphere over dinner. We look forward to hearing from you!
If you'd like to be our guest, please contact our Membership Officer by emailing us (please click here, then copy the email address).
Our club is a friendly place where we often invite speakers from a wide range of backgrounds to share their knowledge, increasing our social and cultural understanding.
Members also share a common interest in friendship and if you visit Poynton & District Rotary Club, you will immediately feel the sense of camaraderie and fun. If you would like to know more about the Club, please take a walk around the pages on this website.


text:
Engagement and Term
Both parties willingly acknowledge and agree to parameters set by a contract and will abide by all points during the initial term of this agreement. The initial term refers to specific dates agreed up with the Dj and the booking party.
The Dj will be present during a dedicated time slot, on the decided date, at the designated locaton.
In the event that the DJ is unable to meet agreed upon time slot, he will give one weeks' notice of cancellation.
The Dj agrees to arrive no later than an hour prior to the event.
The Dj agrees to bring his own equipment for his sets. The Dj agrees to provide the following:
- Speakers
- 1 wired microphone
- Mixer
- Laptop
- Turntables
If any equipment is necessary for agreed upon set time the Dj does not have at his disposal, he will require the booking party to provide required equipment.
The Dj agrees to provide a 7 day notice for equipment needing to be obtained by client
The Dj plays music from a wide range of genres and sources, at his own discretion.
The Dj agrees to take requests during his time slot.
- To provide clean, safe work environment for the Dj
- If an altercation breaks out while the Dj is playing during his set time, he is permitted to leave at his own discretion without any breach in contract.
- The Dj is being compensated for the allotted timeslot, including set up, ie: if a time slot begins at 9:00 pm and the Dj requires 1 hour to set up equipment and arrives at 8:00pm, compensation will begin at 8:00pm. Compensation ends at the time the Dj has shut down and loaded all of his equipment.
- The Dj general Service Compensation is listed as follows:
- $300 minimum guarantee
- $50 an hour (if event and setup exceeds 6 hours)
- $25 an hour additional for lights
- All tips given directly to or earned by the Dj will go directly tothe Dj and is not included in the previously outlined service compensation
- If client requests additional hours outside of previously agreed upon timeslot $50 per every half hour but this request may also be denied.
- The Dj will require a deposit of half the total fee be paid in order to book the date. The rest must be compensated no later than the start of the event before setup.
- The Dj will accept compensation in the forms of cash, check, or paypal.
- If equipment belonging to the Dj fails during Dj's set, the Dj is the only liable party
- Client understands that in the event of equipment failure results in the discontinuance of a set, it is not in breach of contract
- Client is held liable for all equipment owned by them. In the event that equipment owned by client is damaged during a set played by the Dj, Fusion understands that this is not the Dj's responsibility.
The Dj agrees to grant Client the right to use the Dj 's likeness, photographs, approved biographical and marketing material, music or videography at Dj's reasonable discretion to promote the overall likelihood of both the Dj's performance time slot and that of the client. Client also agrees to grant the Dj the right to use the client's likeness, photographs, approved biographical and marketing material, music or videography at client's reasonable discretion to promote the overall likelihood of both client and the Dj's performance time slot and that of the client.
If either party wishes to enter out of working agreement, both the Dj and the client are required to give each other a 14 day notice without fees or penalties.