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Credit Awareness Week is back for its second year and is once again led in partnership by Credit Strategy and Experian. Steve Thomas, managing director of strategy for Experian, discusses data's role in credit awareness.
The highest quality decisions are made on lending when there is a comprehensive set of relevant data available.
Unfortunately, for millions of people in the UK, a lack of information might be hampering their access to appropriate mainstream financial services, leading to a scenario where people could pay more for goods and services and have less choice.
Our analysis, which was conducted ahead of Credit Awareness Week, has found there are over four million 'thin-file' consumers in the UK. Of those four million, an estimated 1.2 million are in categories whose household income is forecast to contract over the next few years.
These people in the 'squeezed middle', who are working and earning, but often struggle to make ends meet each month, would be among the most affected by an economic slowdown.
When people apply for credit, lenders call upon your credit report from one or more credit reference agency to help decide whether to lend. While many people's reports contain a wealth of relevant information on which to base a decision, there are people who have so called 'thin files', and some who have no 'file' at all.
Thin files
The obvious 'thin file' impact is low credit score and limited borrowing options, certainly at competitive interest rates. It can also hamper online identity verification, making it difficult to access a wider range of services, including those provided by the public sector.
We believe that this group's financial situation could be significantly helped through the availability of new, relevant data sources, to build out those thin files, improve their financial access and, therefore, help deliver better outcomes for people.
We have pushed for new, more appropriate data sources to be brought into the equation. For example, our work with The Big Issue Invest on the Rental Exchange, which will recognise rent payments on credit reports for the first time, means that, as things currently stand, 1.2 million social housing tenants are in line to benefit and we expect 83% to see a noticeable improvement to their scores as a result of this new data.
The launch of Open Bank APIs into the UK banking system is also a landmark event, offering up additional, relevant data sources that can drive better decisions, wider financial access, more tailored product and a better customer experiences.
It is incumbent on all of us – the business community, policy makers, regulators, consumer groups – to work together to help people understand what information exists about them, where it goes, what it means, and how they can use it to better their own situations.
To me, that is what Credit Awareness Week is all about and will give us, as an industry, the opportunity to look at what we can do to help deliver better results for our customers, whether that be through new technology, new data sources or more affordability-focussed lending decisions.


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From March 8 -11, 2019 a team of 30 riders along with 8 support crew will 'Cycle 4 Change' around the Adelaide Hills and McLaren Vale.
Over the 4 days they will cover a 500km, climbing over 6000m, raising funds for Southern Cross Kids Camps.
Our aim is to raise $125,000 which will fully fund a week of positive experience for 120 kids who, day to day life in violent or abusive households and who desperately need love and support to help get their lives back on track.

subset: commoncrawl


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Proverbs 13:12 ESV
Hope deferred makes the heart sick, but a desire fulfilled is a tree of life.
Sunday night I was on the floor beside my bed, banging on the side of the mattress, biting it with my teeth, screaming a silent scream in my head that no one could hear. I was so angry and worn out from dealing with all our recent trauma. Hope felt deferred and I was afraid I'd never experience another healthy relationship again.
I cried more than I had in a long time telling God how alone I felt, begging Him to please help me. After my fit was over and I'd worn myself out, I finally went to bed.
The next day my husband and I talked. We knew we had to keep trying slowly to let others in. The walls we've built to keep ourselves safe are suffocating and heavy. We know we are not meant to fight this battle alone. So we decided to take a small step out of our fear and go to a seminar at the church we've been visiting to hear a counselor give a presentation on healthy relationships in the church.
I tell myself before the seminar that I shouldn't expect too much. Life feels a little safer that way. What I'm really revealing about myself is how scared I am that I'll hear something that will hurt me worse. My hypervigilence is still working overtime.
But I was pleasantly surprised. The presentation was like a cup of cold water to my thirsty soul. The counselor presented very useful information on the different parts of the brain and how they functioned. He also talked about relationships and how healthy ones bring healing to trauma and help us to live more healthy lives.
It felt good to be in church that was informed and equipping its members on how to support one another in a healthy way. The seminar was better than I expected. I felt more encouraged than I had in a while. I was ready to go home, satisfied that God had spoken through this man to teach us some encouraging truths.
But as we prepared to leave the pastor greeted us and began to talk to us. I wondered if my husband might cut him off and head for the door. We were both really tired and ready to get home – and for obvious reasons right now pastors are not my husband's favorite people.
But this pastor's nonthreatening and humble approach caused us to relax. When he asked questions about what brought us to the area, we found ourselves telling him a condensed version of our story. The pastor listened with care and concern and most importantly without shock, fear or condemnation. He shared about some of his own experiences with the church and the pain he'd seen. He let us know that we could sit on the back pew as long as we needed to to heal, but also let us know there were people in the church who'd been through difficult circumstances and would offer support to us when we were ready.
The relief I experienced felt like a thousand pounds taken off my shoulders. This man had given us a voice by hearing our story. He'd shown us acceptance by listening and not trying to fix us. He gave no quick promises or pat answers, only compassion and understanding. It was exactly what we needed. I felt hope and life returning. Maybe there is a church that we can be a part of that really gets it.
Today, my heart feels a mixture of joy and sorrow, hope and fear. I wish I could tell you I have this great faith without any doubt, but I can't. I'm still asking God to help my unbelief. I know there is still so much healing He has to do in our family.
Memories of the day we walked into our former church ten years ago come to my mind. The pastor there had offered us what looked like bread. In our desperation we'd taken it and eaten it only to discover years later that the the evil one had been fattening us up like the witch did Hansel and Gretel so he could attempt to devour our souls.
I think of all the kind words my abusive pastor said to me and how my desperate starving heart devoured them all. I lived on his every word. I came to believe he was my savior. The relationship I developed with him felt like a runaway train that I couldn't control. After only a few months, I'd traded in my Unseen Hope for a cheap imitation.
The most recent season five of The Walking Dead was my favorite. The characters have been through so much. They've been attacked by countless numbers of zombies, have lost their homes and loved ones and been betrayed over and over again. In season five, they've found a community that appears to be safe. It's everything they've dreamed about. Beautiful homes with a protective wall to keep the zombies out, and what appears to be a thriving community and happy people have welcomed them. Every part of them wants to hope and settle in and get comfortable, but they know better. They've seen too much pain. They know how vicious and deadly the world can be.
I faced my fears growing up by watching horror movies and reading horror books, I found comfort as I related to the characters who fought the scary monsters on the screen. I'd known a lot of monsters that I hadn't been able to fight as a helpless, little girl. In my favorite movies and books, the good overcame the evil and the monster died in the end. I hated those twisted stories where the monster came back at the end and devoured the character in the final scene.
I'd almost convinced myself a while back that I was safe and a that a happy ending was coming. It was a delusion. My angel of light turned out to be a demon hiding in the dark. He'd convinced me that the only way I could be safe was to be in control. That I should hide in the darkness, keep my secrets to myself, because no one could ever understand and that I'd lose everything. For almost a decade I believed his lies until the light of God's love revealed the truth. In the darkness of sin and shame, the monsters were eating away at my soul. I knew I had to get out.
Following Jesus out into the light was the hardest thing I ever did. But I knew I had no choice. I risked losing everything. But I knew He had the only words of life and there was no where else to go.
Now here I am, like the characters in The Walking Dead, and asking myself if I can really trust what looks like a safe haven? Can I trust that I'm not deceiving myself again?
Jesus said in Matthew 10:16-17 "Behold, I am sending you out as sheep in the midst of wolves, so be wise as serpents and innocent as doves. 17 Beware of men, for they will deliver you over to courts and flog you in their synagogues…
To let my guard down and blindly trust another human being would be foolish. We are sheep in the midst of wolves. No where is safe. Yet Jesus says for us not to be afraid.
Matthew 10:26-31 "So have no fear of them, for nothing is covered that will not be revealed, or hidden that will not be known. 27 What I tell you in the dark, say in the light, and what you hear whispered, proclaim on the housetops. 28 And do not fear those who kill the body but cannot kill the soul. Rather fear him who can destroy both soul and body in hell. 29 Are not two sparrows sold for a penny? And not one of them will fall to the ground apart from your Father. 30 But even the hairs of your head are all numbered. 31 Fear not, therefore; you are of more value than many sparrows.
The hairs on my head are all numbered. He notices every single sparrow and He sees me and knows exactly what I need. He doesn't want me to be afraid to hope. He is in control. Yes, there will be pain. There will be heartache. Humans are broken and the world is groaning. No human relationship can ever fully satisfy us, yet every time we choose to take the risk to love another we reveal Him to the world.
The answer is clear. Stay out of the dark. Live in the light. Tell my story. Stop hiding. Don't be afraid of men. Trust God. He cares about me. He doesn't want me to be alone. Yes, there are sheep and there are wolves and sometimes I won't be able to tell the difference. But a life lived in fear isn't a life. Only a life lived in love is real life, and His perfect love casts out all fear.


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The Guidelines are the first deliverable under the European Union (EU's) April 2018 Communication on Artificial Intelligence for Europe.
Topic: Technology-and-innovationSubscribe to Technology-and-innovation
European Patent Office provides guidance on artificial intelligence patentability
The European Patent Office (EPO) recently issued guidance on the patenting of artificial intelligence (AI) and machine learning (ML) technologies. What does this mean for businesses in the field?
Automated and Electric Vehicles Act – preparing the UK for the biggest transport revolution in a century
Posted in Autonomous vehicles Blog post Technology and innovation Transport
The Automated And Electric Vehicles Act (AEV) received royal assent on 19 July 2018. The Act paves the way for driverless cars to appear on UK roads by extending compulsory motor insurance to AVs.
The Database Directive, AI and the data economy
Does the Database Directive protect machine-generated data and AI? That is one of the questions the European Commission considered in its recently published second evaluation of the Database Directive.
Artificial Intelligence and the future of work
AI's impact on the workplace is contingent on many variables - the level of employees' education and training, the cost of the technology, its adoption rate, regulation, ethics and how far AI creates new jobs.
AI: Balancing the opportunities and the risks
Posted in Technology and innovation Blog post
The UK government has announced that it will allocate funding towards the development of Artificial Intelligence.
Widely anticipated Automated and Electric Vehicles Bill progresses through UK Parliament
Posted in Autonomous vehicles Technology and innovation Transport Blog post
The Bill will pave the way for driverless cars on UK roads by extending compulsory motor insurance to autonomous vehicles. Read more >
Chatbots gone wild? Some ethical considerations
Posted in Technology and innovation Intellectual property Ethics Liability Blog post
Chatbots can involve ethical decision-making when they autonomously interact with users. Read more >
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First Course
Charred Green Onion Butter
This is a perfect entertaining recipe – you can make it a couple of days ahead, it's easy, and delicious. And just make sure people know that it's butter. Guests tend to think it's a dip and scoop an ice cream scoop-size of it onto their slice of bread. But of course, I wouldn't stop you if that's what you want to do. I first had this at Underbelly, a modern restaurant in Houston, featuring local ingredients with Southern and Asian twists, and my version is below.
Charred Green Onion Butter, more than enough for a small dinner party appetizer
1 stick of butter (good quality butter), softened
2-3 bunches of green onions
1 head of garlic
Salt to taste
Good quality bread
Preheat the oven to 400 degrees. Chop the top off of the garlic head, so most of the cloves are exposed. Drizzle with a little olive oil, and wrap completely in aluminum foil. Roast in the oven for about an hour, or until the garlic is fragrant and can easily be scooped out of the skin with a spoon. Remove the garlic, and chop into a paste.
Remove the stems from the green onions and trim the tops. Slice them in half, and the white halves again lengthwise. Heat about 2 tablespoons of canola oil in a saucepan over high heat. Add half of the green onions. Stir, and lower the heat if you need to. Cook until onions begin to soften and ends begin to char. You do want to keep some green. Repeat with the second batch. When done, chop the onions into small pieces.
Mix the chopped onions and garlic to taste into the butter. You should have a high ratio of onion to butter. Season with salt, and serve with good quality bread.


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» Comics - The Big One, Part 3 - pg 20 bonus - October 18th, 2014, 6:10 pm
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Author Comments:
remington, October 18th, 2014, 6:14 pm
- A lot of you pointed this out in the last page. Oops! In my script I had a panel with Nanny on the couch but I totally forgot about it when I made the actual page. So here's what's happening at home during page 21.Advertisement, May 19th, 2019, 8:27 am
Reader Comments:
Cool scene.
posted by James Birdsong on October 18th, 2014, 7:28 pm


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Hot off the heels of the announcement of a "Prime Suspect" prequel series, ITV has also given a season order for the eight-part multi-stranded crime drama "Marcella".
Hans Rosenfeldt, the creator of the original Danish-Swedish series "Bron/Broen" – better known outside Europe as "The Bridge," has penned the new series which aims to bring Scandinavian noir to the streets of contemporary London.
The story follows a detective in her late thirties who returns to the Metropolitan Police's Murder Squad after a twelve-year career break to start a family. The return comes after the abrupt end to her marriage and isolation from her daughter at boarding school.
As she attempts to make sense of what's happened in her life, she is immediately assigned to investigate a spate of recent killings which bear the hallmarks of unsolved murders committed over a decade prior. Is it the same killer or a copycat?
This is Rosenfeldt's first drama exclusively created for the UK market.
Source: Deadline


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If you need the direct address for Elder Greaves, please post a comment with your contact information. The comment will not go live without being approved. We will answer you, but deny the comment so your contact information is not readily available on the internet. Otherwise, you can mail to his family or to the Mission Office.
Mission Office Mailing Instructions:
Elder Caleb Greaves
Germany Berlin Mission
Zerbster Strasse 42
12209 Berlin
Package Mailing Instructions
If a package is sent via a private courier, you will also
need the mission phone number which is: 49 30-470067690
Small packages of nominal value may be sent through regular mail.
Packages sent to other countries often do not reach their
intended destination. When they do arrive, they are subject
to taxes that the missionary must pay from his own
personal funds. Shipping is also extremely expensive.
The mission office suggests sending items directly from
a website such as Amazon instead.


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As part of an ongoing farm diversification programme, this project was to convert one of many redundant stone barns to a holiday cottage.
The single-storey barn was just right for the client's requirements for use by disabled persons, being on one level and central within the site for access to all other facilities, including a games room with special "Endless Pool" type hydrotherapy pool, details of which are available elsewhere on the web site.
The general structure was in good order, but most timber members required replacement. As the roof was to have a vaulted finish, the roof timbers were replaced to match the original configuration and leave the main rafters and ties exposed, retaining the characteristic barn look.
Existing roof slates were carefully removed during the conversion works for reuse on completion. A small side extension was added to facilitate a second bedroom, this was of insulated cavity block construction with roughcast rendered finish, as other buildings on site.
A full wet shower en-suite to the main bedroom was included for ease of use by wheelchair disabled persons.
The front of the original barn had two large openings. These were to be closed in and with sympathetic use of vertical timber cladding and small pane timber framed window and doors, the rustic feel of the building was maintained.
Parking facilities were designed to be close to the main entrance of the cottage and access is via a small ramped approach to a level landing area.
A housing development for Cornwall Homes Ltd, to be built on the site of an existing bungalow with a large garden.
Find out more
Conversion of two barns to a holiday cottage.
Find out more
Several barns on an existing farm which were to be converted to form office/work spaces as part of a farm diversification scheme.
Find out more


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Bon Voyage TV
Nestled in a beautiful lagoon between the island and the mainland on the South East coastline, the Aga Reef Resort & Spa is a combination of pure natural beauty, stylish accommodation options and colorful Samoan hospitality.
The 4-star boutique resort offers the perfect backdrop for your wedding in Samoa as well as everything you could need for a romantic getaway, honeymoon or relaxing holiday.
Guests can indulge in delicious Samoan and international cuisine at the oceanfront restaurant, take a splash in the pool or watch the beautiful sunsets from the lounge bar deck. The lagoon is full of colourful fish and sea life that can be watched directly from the deck of your Villa or the island bridge.
Boasting a stylish mix of private waterfront villas and comfortable hotel rooms with contemporary décor, stylish amenities stunning views over the lagoon. For those seeking absolute luxury, the resort also offers an exclusive VIP Villa with a private plunge pool.
The resort offers beach and poolside wedding cermonies, both of which provide a picture perfect backdrop for your Samoa wedding.
Resort facilities:
Room Types:
Room features:
Wedding Packages and Special Offers*
Beach Wedding Package
Poolside Wedding Package
Island Wedding Package
Contact Tonia to find out more about these and other wedding package options and offers.
Email: email@example.com
Phone: 0800 266 869 or 09 368 6804 or
Visit us at: 8a Cleveland Road, Parnell, Auckland
*Terms & conditions apply to all special offfers and weddng packages. All advertised prices are indicative only and subject to change. Travel and black-out dates apply. Any offers are valid for new bookings only and may not be combined with all wedding packages or other offers - please contact Tonia for full terms and conditions. All offers/prices are valid until specified dates, unless sold out prior. Offers are not exchangeable, redeemable for cash or transferable for cash. All wedding packages are subject to change and availability; Minimum guest or resort stay nghts may apply; Black-out dates apply.


text:
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Since the last issue of our IM Update, we have also published the following separate Alerts of interest to the investment management industry:
EMIR – European Commission Responds to Draft RTS on IRS Clearing
January 13, 2015
The European Commission ("Commission") has publicized its decision to endorse draft regulatory technical standards ("RTS") submitted to it by the European Securities and Markets Authority ("ESMA") on the clearing of interest rate OTC derivatives under the European Market Infrastructure Regulation ("EMIR"), with certain amendments. ESMA has until January 29, 2015 (six weeks from the date of the communication from the Commission) to re-submit the draft RTS to the Commission with amendments consistent with those proposed by the Commission or to make a different proposal. The European Parliament and the Council of Europe will have at least three months from the time when final RTS are adopted by the Commission to raise any objections to them.
Recent Changes to the BEA Foreign Direct Investment Reporting
January 6, 2015
The U.S. Department of Commerce, through the Bureau of Economic Analysis (the "BEA"), requires certain U.S. entities (such as investment funds or their portfolio companies) to file annual reports of foreign direct investments with the BEA (the "BE-13" filing). Previously, a BE-13 filing was required of entities specifically contacted by the BEA. In a recent, largely unpublicized notice published on the BEA website on November 26, 2014, the BEA announced that any entity that is party to a transaction that crosses certain reporting thresholds (a "reportable transaction") will be required to file, regardless of whether the BEA has contacted such entity. In addition to requiring prospective filing after a "reportable transaction", the BEA is requiring retroactive reporting by January 12, 2015, by any entity that crossed a reporting threshold between January 1, 2014, and November 26, 2014.
Precidian Re-Files Application for Exemptive Relief to Permit Nontransparent Actively Managed Exchange-Traded Funds
December 24, 2014
On December 22, 2014, Precidian ETFs Trust, Precidian Funds LLC and Foreside Fund Services, LLC filed an exemptive application under the 1940 Act requesting permission to operate actively managed exchange-traded funds that would not be required to disclose their portfolio holdings on a daily basis. The application was filed approximately two months after the SEC's notice of its intention to deny a prior proposal from the same applicants that requested similar relief. The application contains several changes to the proposed ETF structure.
ESMA Releases Level 2 Regulations Under MiFID II
December 19, 2014
The European Securities and Markets Authority ("ESMA") published an important new set of rules under the revised Markets in Financial Instruments Directive ("MiFID II"). MiFID II came into force on July 2, 2014, but will not have effect until January 3, 2017, reflecting the period granted to European Union member states to make MiFID II's provisions into national law and for production of the associated "Level 2" rules.
New York Establishes New Cyber Security Examination Process for Financial Institutions
December 16, 2014
New York's Department of Financial Services released a letter on December 10, 2014, announcing the details of its plan to focus more attention on cyber security matters in conducting examinations. Directed at New York-chartered or -licensed banking institutions, the letter notes that the Department will be incorporating a number of new security-oriented questions and topics into its pre-examination "First Day Letters." Those questions and topics, outlined below, are similar to those in a more comprehensive cyber security questionnaire attached to a United States Security and Exchange Commission's Office of Compliance Inspections and Examinations' ("OCIE") Risk Alert that was issued on April 15, 2014. The OCIE used its questionnaire earlier this year in conducting a limited set of cyber security examinations of registered investment advisors and broker-dealers. Together, both underscore the need for financial institutions to adopt and implement strong governance principles and controls to protect valuable information.
Second Circuit Raises the Bar for Proving Tippee Liability
December 12, 2014
The U.S. Court of Appeals for the Second Circuit vacated the criminal insider trading convictions of two former hedge fund managers, and in doing so, clarified the elements required to prove an insider trading charge against a "tippee." The Court held that the government must prove that an individual knew that a company insider had disclosed confidential information in exchange for a personal benefit, and also heightened the standard for proving a personal benefit. Although this decision is being characterized as a "sweeping" blow to the government's ability to combat insider trading, the U.S. Attorney's office has petitioned the original three-judge panel to reconsider the decision or, as an alternative, the petition requests a hearing en banc before the entire Second Circuit Court of Appeals.
EU Short Selling – Sovereign Debt
December 11, 2014
The Council of the European Union, on December 1, 2014, has published a provisional version of a press release announcing its decision not to object to the adoption by the European Commission of a regulation on the notification of significant net short positions in sovereign debt. Following the press release, the regulation, a delegated regulation supplementing the EU Short Selling Regulation, can be published in the Official Journal of the European Union and entered into force, unless the European Parliament objects.


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Hide Forgot
Description of problem:
Missing icon in GNOME menus for Bonobo Component Browser
Version-Release number of selected component (if applicable):
How reproducible:
Steps to Reproduce:
1. Default workstation install
2. Browse menus
Actual results:
Notice the UI discrependancy when looking under System Tools: no icons for
Bonobo Component Browser.
Expected results:
An icon for every app listed.
Additional info:
If you try to add this app. to the launcher, a popup will appear as "Error:
Failed to load image, details: Icon not found"
RH/Fedora should make up a stringent policy requiring that any standard app has
an icon assigned...
This was fixed by removing the menu item


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A satirical but supremely honest look at the Republican National Convention, not to mention the hypocrisy about Kerry and Palin.
Vodpod videos no longer available.
I really just don't understand people making excuses for the Republican Party's bullshit. People should learn a lesson or two from Batman Begins Yes, it was just on CBS the other night but that doesn't mean it didn't have a good meaning!
Oh BTW I meant the bad guys trying to bring people together through tragedy. Too bad our country has never lived like that. Seriously.


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This week I had a mini meltdown.. I hadn't run for over a week for various reasons. My back & neck have been sore, Phil gets home too late, the kids have kept us busy, my Mum's been away reducing in week childcare, we'd been to a wedding and I'd been just plain lazy.. Whatever!… Continue reading #earlymorningrunclub
Month: September 2014
If life gets crazy… De-Clutter!
Life has all gone a bit nuts. Work is mad busy for both Phil & I, the oldest mini-me has started school and the youngest is a walking/running destruction machine! Thankfully I'm a reasonably organised person but recent chaos has meant the house has become a bit of a tip.. So last weekend we committed… Continue reading If life gets crazy… De-Clutter!
My #IceBucketChallenge
Okay, so before I get going, I am going to put it out there that this may become a slightly ranty post. And, if you're passionately anti-ice bucket challenge, that's fine. You're entitled to your views of course, but so am I to mine, so let's just agree to disagree. Firstly I feel I should give… Continue reading My #IceBucketChallenge


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Remain vigilant and never assume human rights are protected forever! This is such an important message and it applies everywhere not just Muslim countries. We don't need to look to far to see that many policies even in the western world are trying to wind back equality for women. Recently the new Pope was reported as saying men are the leaders of the church and a women's role is as the 'supporter'. Many US states are trying to repeal domestic violence laws and putting in place policies that take away a women's right to choose (contraception and abortion), or are putting in place policies that make it difficult for women to access affordable contraceptives.
In Australia we still have some draconian ideas about child care and equality with some policies and taxes making it harder for women to easily return to work because they are penalized by the tax system as the 'second' income earner. Meaning that for many it is hardly worth going back to work. Many older woman like me have been trying to raise this issue for sometime, but the problem is that so many younger women think they already have equality. But take note of this photograph, if it does not scare you, then it should.


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If it's electronic and it's meant for music listening, there's a good chance Yamaha makes it. They make pianos and other instruments, too. Is this why there playback equipment sounds as good as it does?
If you think checking out any of the above–or something else–might be useful then give a call to (973) 428- 9800 and let's see if we can help. Please remember, all demonstrations at our Parsippany, NJ location are by appointment only.
Or, you can send an email: email@example.com.
Or, give us your contact info and a message at the bottom of this page: contact info & message.
Please remember to mention what format any demo material you might be bringing over is in. We want to be sure we're ready for you!


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St. Lawrence golfer Sarah-Ève Rhéaume wins CCAA national title
Congratulations to St. Lawrence College student Sarah-Ève Rhéaume who won the women's Canadian Collegiate Athletic Association (CCAA) national golf title on October 20 in Oshawa, Ontario.
After four rounds of play, Rhéaume was tied +23 with University of the Fraser Valley's Madison Kapchinsky. The golfers played an extra hole to determine the national champion.
Rhéaume played a 30-yard downhill putt almost perfectly, leaving herself a short putt for the win. Kapchinsky bogeyed the hole as her drive went into the bunker. It was the first time that the CCAA women's title was decided in overtime.
Audrey Côté, also from St. Lawrence, finished 12th.
On the men's side, St. Lawrence's Charles-Éric Bélanger was +9 for the four rounds and won the bronze medal, one shot behind James Casorso of UBC-Okanagan. The national champion is Daniel Campbell, of University of the Fraser Valley, who was even after the tournament.
The Lions women's team also came home with a medal in their baggage.
Composed of Rhéaume, Audrey Côté, and Sarah Maud Longchamp, the Lions had a combined +80 for the tournament, tied with Georgian College. The tiebreaker gave the Lions the silver medal.
The men's team also did well, as they finished three shots behind the bronze medalist (Humber College) and finished fourth. Fraser Valley took the national title by 16 shots, over second-place UBC-Okanagan.
Rugby Regional Championships
The St. Lawrence women's rugby 7s team was also in action this past weekend, as they played in the RSEQ regional championship. The team started with a bang when they crushed the Cégep de Thetford 45-0 in the quarter-final.
The Lady Lions bowed out in the semi-final, however, losing 20-0 to the Cégep de Lévis-Lauzon. Cégep Garneau won the regional championship,with a 32-0 win over Lévis-Lauzon.
On the men's side, the Lions also won their quarter-final matchup, 15-5 over Baie-Comeau. But the road ended in the semi-final for St. Lawrence as they lost 22-0 to Cégep Garneau. Garneau completed the regional sweep for the Élans as they edged Limoilou 33-17.


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This goalkeeper camp is designed to challenge each goalkeeper depending on their individual needs and abilities. Coach Xavier will work on developing every young keeper's ability to excel in the position. With a large emphasize on technique and technical development, this camp will also endorse the mental aspect of the position and an understanding of the tactical asset that the goalkeeper is. Each goalkeeper is expected to bring their own gloves and ball to each practice (Practice will be in our new indoor facility).
November 26 & 29
December 3 & 6
Boys & Girls Ages: 10 & Up
Time: 6:00 - 7:30
Cost: $100
*Included in the price is a camp shirt and 4 1 ½ hour sessions
Location: South Alabama JTC
What To Bring: Cleats, shin guards, water bottle (we will refill as needed), weather appropriate training gear, tennis shoes, and size appropriate ball.
Refund Policy: Please take the time to look over the dates and times of the camp(s) you have signed up for. All our camps offer NO financial refund, but an application of credit towards a future camp can be applied.
*For a separate fee during registration, Registration Protector insurance from Allianz Global Assistance is offered for this event. Registration Protector can provide coverage for lost registration fees when a participant has to cancel or leave the event for a reason covered by the policy. Covered reasons for event cancellation or interruption include covered injury or illness to the participant or a close family member, certain family employment issues, transportation delays, military/family/legal obligations and weather emergencies among other reasons. If you elect to purchase Registration Protector for this event and are not able to attend due to a reason covered by the policy, you must file a claim with Allianz Global Assistance.
All Richard Moodie Soccer Camps, LLC are open to any and all applicants and are limited
only by the number of slots available per camp and the age, grade level and/or gender of the participant.


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We thought we would take a closer look at the Chinese New Year. Hope you find what we came up with as interesting as we have!
January 23, 2012 marked the beginning of the Year of the Water Dragon in the Chinese calendar. In China, this day is known as the Spring Festival, marking the end of the winter season.
The Chinese New Year is the longest and most important festivity in the Chinese calendar. Starting with the new moon on the first day of the New Year the celebration ends with the Lantern Festival on the full moon 15 days later. The festival is celebrated at night with stunning lantern displays and children carrying lanterns in a parade.
The Chinese calendar is based on a combination of lunar and solar movements, therefore, the Chinese New Year falls on a different date each year. The lunar cycle is about 29.5 days. The Chinese insert an extra month once every few years (seven years out of a 19-yearcycle) in order to reconnect with the solar calendar, very similar to the concept of leap year.
According to legend and folk lore, the origins of Chinese New Year began with the fight against Nian, a mythical beast. Nian would come on the first day of New Year to eat livestock, crops, and even villagers, especially children. To protect themselves, the villagers would put food in front of their doors at the beginning of every year in hopes it would not eat anything else. It is said that on one occasion the Nian was scared away by a little child wearing red leading the villagers to understand the beast's fear of the colour. Villagers then began hanging red lanterns and red spring scrolls in their doors and windows. Red is also the emblem of joy, virtue, truth and sincerity. Firecrackers were also used to frighten away the Nian. The Nian was eventually captured by Hongjun Laozu, an ancient Taoist monk, and it became Hongjun Laozu's mount.
Customs concerning the celebration of the Chinese New Year vary widely. For instance it is tradition that every family thoroughly cleans the house to sweep away any ill-fortune in hopes to make way for good incoming luck.
Here are a few traditional superstitions to keep in mind:
- DO clean your house before New Year's Eve to rid of the previous year's bad luck.
- DON'T sweep or clean your house on New Year's Day (this could sweep away good fortune).
- DON'T use scissors or knives on New Year's Day (this could cut off good fortune).
- DON'T wash or cut your hair on New Year's Day.
- DO wear reds and yellows, bright and happy colours that will bring good fortune.
- DON'T curse or speak of death. This could bring bad luck.
- DO settle your debts before the New Year.
- DO eat whole fish (abundance), chicken (prosperity) and dumplings (health and fortune).
- DON'T cut noodles (they represent long life).
- DON'T cry on New Year's Day or you could end up crying for the rest of the year.
Prior to New Year's Day, Chinese families decorate their living rooms with blossoming flowers and platters of fresh citrus fruits. A highlight is the tray called "The Tray of Togetherness". It is prepared with eight varieties of dried sweet fruit: an array of candy to start the New Year sweetly.
Each item represents a symbol of good fortune:
Candied melon – growth and good health
Red melon seed – dyed red to symbolize joy, happiness, truth and sincerity
Lychee nut – strong family relationships
Cumquat – prosperity (gold)
Coconut – togetherness
Longnan – many good sons
Peanuts – long life
Lotus seed – many children
Families will come together and share a feast on the eve of Chinese New Year. The feast generally includes pork, duck, chicken and sweet delicacies. The evening is capped with fireworks. Fireworks were historically made from bamboo stems filled with gunpowder.
Early the next morning, donning new clothes and shoes, children greet their parents by wishing them a healthy and happy new year. The children traditionally receive red envelopes of money. The red envelopes or red packets are also passed out throughout the celebration from married couples or the elderly to unmarried juniors. Per custom, the amount of money in the red packets should be of even numbers, as odd numbers are associated with cash given during funerals.
The Chinese New Year tradition is to reconcile, forget all grudges, and sincerely wish peace and happiness for everyone.
So with that said…
Gung Hey Fat Choy! – "Wishing You Prosperity and Health" from the Global Learning team!
"Tell me, I'll forget. Show me, I may remember. But involve me, and I'll understand."
~ Chinese Proverb
The following is a list of events to mark the Chinese New Year in the Toronto area:
- CIBC Lunarfest: Walk through a giant lantern aquarium at Toronto's Harbourfront Centre. Lunarfest includes a contemporary showcase of Asian art, puppet shows, workshops, traditional New Year's games and culinary treats. Friday until Tuesday. Admission is free.
- Chinese New Year celebration at Scarborough Civic Centre: Performances include Lion Dance & Dragon dance, a variety of folk and classical dances performed by young dancers, singing and martial arts. Jan. 29, 2-4 p.m. Admission is free.
- Chinese New Year community celebration at the Chinese Cultural Centre, Scarborough: Sunday, noon-3 p.m. Admission is free.
- Chinese Cultural Centre Year of the Dragon banquet: Bring friends and family to the Chinese Cultural Centre's banquet. Jan. 29, dinner at 7 p.m. Tickets $45/$60.
- Chinatown Foodies Walk: Hosted by the Taste of the World's culinary historian Shirley Lum, the event features dim sum and tours of a grocery store and Chinese bakery. Saturday, Sunday, Jan 28-29, Feb. 4-5, 10 a.m.-1:30 p.m. Adult admission $45, seniors and students $40, children 12 and under $30.
- The Year of the Dragon events at Markham's Pacific Mall: New Year's Eve countdown Sunday at 10:30 p.m. New Year's Day celebration Monday at 3 p.m. Lion dance performances Jan. 28 at 12:30 p.m.


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Peterston Super Ely TC
Coaching Programme in Peterston Super Ely
VTA are working in partnership with Peterston Super Ely Tennis Club to provide a Mini, Junior & Adult Coaching Programme! Our aim is to revitalize the tennis club to get more people back on the courts at Peterston!
Our Sessions:
Click the link below to view our latest coaching programme
How to Book:
- Online – the quickest way to book and you save money by taking advantage of our discounted termly rates. Please note you can only book online on or before the term start date. Click here to go to our online booking system.
- Call/Email – Call 07909 987359 or send us an email
- Pay Weekly – most of our sessions offer a pay and play option but there it is a little more expensive and doesn't guarantee your place in the session. However, this is a good option for those wishing to try out our sessions before signing up for a term.
Term Dates:
|Mon 6th June
|Mon 12th September
*During the school holiday periods we will be running a series of Holiday Tennis Camps. See above to download the latest information and how to book online.
Find out more about this venue:
Back to coaching programmes


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Well guess she didn't think about opinions like this when she agreed to play that role,
A few weeks after the completion of the shoot of an epic movie, in which she and other upcoming actresses bared it all, Peace Maria Francis has come out in stout defense of their act, saying it was all about the profession.
In an exclusive interview with NOLLYWOOD INSIDER the budding actress appealed to her fans and movie enthusiasts, "Show me love and appreciation, and not condemnation. This is about my profession and I want to express myself better as it should be done, in my acting career."


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canon mg4240 driver
Canon PIXMA MG4240 Driver Download – The Canon PIXMA MG4240 is a beneficial image printer for families and also job teams, and also you get lots of new attributes like HD Film Publish, fun image filters, as well as Pixma Cloud Web link that can offer new methods to bring your electronic pictures to life.
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Prior to set up Canon PIXMA MG4240 Driver , you must test the specifications of the device used which encompass the form of printer and working device used on desktops and laptops, if there may be any question please Contact Us.


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The sun may be beneficial in many ways but it is not that friendly to the skin. A little exposure to the sun will not hurt but too much of it may cause different skin problems. People get excited during that time of the year because they can show off their summer outfit and flawless skin. Also, there are a lot of outdoor activities that can be done during summer. But before getting too excited with the favourite season, consider protecting the skin first. Don't even think of enjoying the summer without preparing for skin protection.
Acne is one of the most hated skin issues, especially by women. It is an inflammation due to excessive production of oil in the skin. During summer, the heat of the sun dries up the natural oil on the skin. When that happens, the skin's oil-producing glands tend to compensate for the loss oil and produce more oil. The ending? Excessive oil production that causes acne outbreak. Perspiration also causes acne outbreak. To avoid this outbreak and protect the skin, here are four tips.
Follow A Regular Skin Care Routine
During summer, most people are overwhelmed by the fun days under the sun forgetting to follow their supposed to be regular skin care routine. Before having fun or even while having fun, stick to that regular skin care routine; cleanse, moisturize, tone and exfoliate once in a week. Always keep in mind that it will pay off in the end.
Another thing, make sure that the products used are all oil-free, from skin care products to cosmetics. Even if it is just during summer, change every product to oil-free or water-based products. Find the noncomedogenic on the label because these products don't block pores.
Always Apply Sunscreen
This is the most important thing. Don't even step out of the house or don't even think of going anywhere without applying sunscreen. Sunscreen protects the skin from the dangerous UV rays of the sun; choose a sunscreen with SPF 30 or at least SPF 15.
Control Oily Skin Properly
When there is too much oil in the skin, the pores are clogged causing them to inflame. Acne is caused by oily skin, so it's just logical to control or manage oily skin to prevent acne outbreak. Using cleanser every morning and before bedtime prevents the skin to become oily. When the skin is oily, it is tempting to wash the face every now and the. No matter how tempting it may be, don't make it a habit to wash frequently because the natural oil and moisture of the skin will be washed away too causing an oilier skin.
Perspiration Causes Acne
It is during summer where the skin perspires more. Sweat can clog the pores that will result to acne. After an activity or after perspiration, take a shower to wash off the sweat. Salicylic acid prevents acne and blackheads, so it is better to wash the skin with it. Always bring a cotton towel and gently wipe sweat if a shower is not possible.Social tagging: Skin Care Routine > Vine Vera > Vine Vera Collagen > vine vera ingredients > vine vera skin care > VineVera


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Before using the Software product, carefully read the terms and conditions of this agreement. If you do not agree with the terms of this agreement, you may not use the Software product. The license agreement of merger is between WorkHub LTD (hereinafter "Developer") and End User (private or legal person, hereinafter "User"). This agreement shall enter into force at the beginning of the use of the copy of Software product and is valid during the entire period of use of the Software product. Installing and using the Software product by the User agrees with all clauses of this contract.The software product may involve a change in or addition to this license agreement with the User. For purposes of this agreement, the following terms are used in the following meaning: "Documentation" means written materials and files with text containing the description of the Software product and its components and which is an integral part of the Software product. "Software product" is an instance of module "Site Control" and the core of the system, including software, one database and documentation.
1. The subject of the contract
1.1. The developer provides to the User for the duration of this agreement the non-exclusive rights in the form of a simple non-exclusive license to use one copy of the Software product with the same database in the manner and on the terms set forth herein. 1.2. All provisions of this agreement apply to the Software product as a whole and all of its separate components.
2. Copyright rights
2.1. Developer warrants that he has the rights to use the Software product under a brand name, production brand and a trademark of the developer's rights to disclosure of the Software product, the right to reproduce the Software product, and the rights to distribute the Software product in any way by the implementation of the reproduced material carriers of the Software product among end users rights to change, translation rights the Software product, the rights of publicity of the Software product and demonstration information, advertising and other purposes. 2.2. The developer reserves all rights not explicitly granted to the User data license agreement with the User. 2.3. The software product is protected by copyright laws and norms in the sphere of protection of copyright and other laws and regulations on the protection of intellectual property, and international treaties. 2.4. In the case of copyright infringement responsibility is provided in accordance with the current legislation of the Russian Federation.
3. Terms of use and restrictions
3.1. The user is granted the right to use one copy of the Software product with the same database in the manner and on the terms set forth herein by observing the following conditions and limitations: 3.1.1. The user may not distribute (to play) the Software product. Under the distribution of Software product means the provision of access to third parties, reproduced in any form components of the Software product or Software product as a whole, including network and in other ways, as well as by sale, rental, lease or lending the software. 3.1.2. The user can have an archival copy of Software product placed on your computer without providing access from the Internet to a Software product designed only for archival purposes and, if necessary (in the case when the original computer program or database is lost, destroyed or became unusable) for replacement of a lawfully acquired copy. A copy of the Software product or the database cannot be used for other purposes and must be destroyed if further use of the Software product or the database ceases to be lawful. 3.2. The user is not entitled to carry out the following activities: 3.2.1. To make any changes to the object code of the Software product. 3.2.2. To decode the proprietary code of the Software product. 3.2.3. To make changes to closed source Software. 3.2.4. To assign this agreement to any third party, to grant sublicenses or other rights under this agreement to any third party. 3.2.5. To make concerning the Software product other action in violation of Russian and international legislation on copyright and software use. 3.2.6. To install multiple copies of the software product, using the same API keys. 3.2.7. Using the software product, open, public and private services. 3.2.8. To use software errors in order to extract its benefits. 3.3. The developer reserves the right, without cause or notice to withhold the rights to the instance using the free edition of the Software product.
4. Responsibility
4.1. For violation of the terms of this agreement, the parties shall bear responsibility established by the legislation of the Russian Federation. 4.2. The developer is not responsible for any damage, direct or consequential damages (including damages from loss of profits, loss of business information and etc.) real property or otherwise associated with the use of or inability to use the Software product.
5. Limited warranty
5.1. The developer accepts claims to the quality of delivery of the Software product within 30 (thirty) days from the date of delivery. 5.2. The developer makes no warranties, express or implied, that the Software will meet your requirements or expectations, will meet your goals and objectives. The software product is delivered in accordance with generally accepted world practice the principle of "AS IS".
6. Conditions of technical support and updates
6.1. Technical support and updates are provided to the User only on the acquired User copies of the Software product within 12 (previously 6) months from the date of acquiring the right to use the copy of Software product. After this period, the User has the right to acquire an additional period of technical support and updates to latest version of the product. 6.2. Technical support includes advice the User on the operation of the Software product. Providing technical support via ticket system and e-mail of the official site http://www.site-control.ru/during the working day from 07:00 a.m. to 5:00 p.m. (Moscow time). Under working days refers to calendar days of the year except for weekends (Saturday, Sunday) and holidays (including transfer weekends and holidays in accordance with the legislation of the Russian Federation and regulations of the Government of the Russian Federation). 6.3. Technical support includes updates of the Software product and elimination of errors in the Software product identified during the period provision of technical support. 6.4. Technical support does not include services for installation, configuration and integration of the Software product.
7. Terms of the licensing of the Software Product
7.1 The acquisition of licenses for the use of the software product has the following validity period:
Module "Position"
– the license is valid indefinitely, without a subscription renewal, the user is able to use previously purchased software product, as long as you want, without the updates.
Module "Control"
– the license is valid indefinitely, without a subscription renewal, the user is able to use previously purchased software product, as long as you want, without the updates.
Module "Tasks"
– license is valid for 12 months from the date of payment of the purchased licenses for software products. After 12 months from the date of purchase of the Software, the user can use the module in version Free, as long as you want. To use the Software in the version Standart or Pro need to renew your subscription to updates.
Module "Site's audit"
– license is valid for 12 months from the date of payment of the purchased licenses for software products. After 12 months from the date of purchase of the Software, the user can use the module in version Free, as long as you want. To use the Software in the version Standart or Pro need to renew your subscription to updates.
8. Modification and termination of contract
8.1. In the event of a breach of this agreement, the Developer could void the User's right to use the Software product, and the Developer completely abandons their warranty service and free delivery of the Software product updates, and the User is obliged to destroy their copy of Software product so that it was impossible to restore the existing tools. 8.2. The developer has the right to supplement and amend this license agreement without notice to the User. 8.3. Upon termination of this agreement, the User shall cease using the Software and delete the instance of the Software product. 8.4. If the court finds any provision of this agreement invalid, this agreement continues to operate in the remaining part.
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Interviews rock / metal band playing 2 of their songs and discussing relevant news. Airs on iTunes, Stitcher, TuneIn, Google Play, Spotify and iHeart Radio.
Friday, 27 April 2018
E134: Bloody Falls
Today on The Rock Metal Podcast:
E134: Bloody Falls
Bloody Falls shares their tracks Nocturnal and Defiance, plus the music video for My Halo of Flame; the stories behind the tracks, the writing process, and a sneak peak into what they have coming up!
My Halo of Flame
Find out more about Bloody Falls at:
The Rock Metal Podcast is an interview show that showcases an up-and-coming rock or metal band with 2 of their songs played.
Want to be on The Rock Metal Podcast? Email Jon at firstname.lastname@example.com
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1 Bedroom, 1 Bath
Cape Codder #28
Full kitchen and an amazing view!
Cozy Accommodations on Lewis Bay
Relax and Enjoy the View
Green Harbor Resort
A Cape Cod Classic Summer, For Any Budget
Cape Codder 28 is a small one bedroom unit (510 sq. ft.) with a full eat-in kitchen and a living room area with a double size Murphy bed and a TV. The bedroom has one double bed and one twin bed and offers access to the adjacent bathroom with a shower. There is also a back patio area overlooking the inlet with outdoor furniture, a picnic table and an outdoor grill.
A different kind of oceanfront getaway with the charm of old Cape Cod at Green Harbor! Located on 7.5 lush acres, this classic Cape Cod beachfront resort has 50 beautiful suites, cottages and villa townhouses offering a wide array of amenities in a secluded setting near the unique shops and attractions of Hyannis village.
As a guest of the resort you have access to our other Cape Cod resorts located nearby.
Everything For Your Cape Cod Vacation
- Oceanfront location overlooking Lewis Bay
- Private sandy beach
- Lounge chairs and beach towels provided
- Fully-applianced kitchens
- Heated outdoor pool
- On-site bike and rowboat rentals
- Miniature golf and shuffleboard
- Supervised summer children's program (ages 5-12)
- Award-winning golf at nearby Blue Rock Golf Course
- Wireless Internet access
- Wide variety of family-friendly summer activities
Call 800-227-3263 or book online:


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Fideliz Cruz's Keys to Business, Motherhood & Fearlessness
Living out your purpose is about combining your passion and love into one package; Fideliz Cruz, personal stylist and life coach, has found meaning through this perfect match. It's not every day someone lands on the very thing they are meant to do but when it's done, it's magic!
Fideliz finds herself creating magic for clients without the wand and glitter. But she does help them find the most important piece: their unique self.
We recently spoke to Fideliz on how she balances life, deals with fear and activates faith. She also shares her reflections of 2016.
How do you balance work and being a mom?
I think one of the things I love most about working for myself is being able to have the freedom to create a schedule where I can be flexible – allowing me to take care of my family as well as look after my business in the comfort of my own home.
Whenever we talk about work and life balance, I think of Tanks. I call them Love Tanks! Each aspect of my life has a love tank; one for my daughter, one for my husband, one for my business and on it goes….I even have one for myself. I have to make sure that all of the love tanks are filled up by giving each of them quality time. I make sure that I'm flexible and can give extra TLC for those tanks that are running low.
You might not be working from home like I do, but here are two things I want to share that I know we all need to be doing in order to keep that work-life balance:
1) Prioritize
I believe it's all about priority. Sometimes we might not make it to a fundraising event at school, but there are more important events that you're going to attend. We all know as moms that there's just so many events: school events + birthday parties + fundraising events + sports day and it goes on and on. NO, you don't have to say yes to every invitation and every event there is!
Same thing with business events and networking engagements. We don't have to say yes to all of them. If I feel that I got a project that I know will take up long hours and will affect my time with my family, I would rather say no. Which leads me to my next point….
2) Set Boundaries
At the end of the day, our children and family come first. Aren't we all building our business for them? It's really important that we set boundaries and manage time well. One of the ways I'm able to spend time with my family during dinner time and on the weekends is, waking up two hours extra each day to do most of my work when they're not around so that when they are, I have done most of my work and I can dedicate those extra hours to them.
How have you combined personal styling and life coaching under one business?
My business started out as a personal styling business, where I would do one-on-one style sessions and wardrobe consultations as well as run style workshops every season. During this time as I was serving in this industry, I had the pleasure to work with many women who love fashion and who were excited about styling. However, I really wanted to offer something more and starting thinking of how I could add value to my clients. I didn't want to just talk about what to wear, but I wanted to share something much more meaningful and offer a service that would change their life.
I enrolled as a Life Coach and once I graduated, I infused life coaching into my personal styling service. It's the best thing that I have done for my business! There are many personal stylists out there, but this is something that sets me apart as well as a great platform for me to be able to serve women in a unique, deeper and meaningful way.
Now they can learn about styling but most importantly, come from a place of authenticity and really look after their inner being as well as their outer appearance. As we all know whatever's inside should manifest on the outside and yes darling you're Beautiful INSIDE and OUT!
What's the most memorable reaction from a client who discovered her unique authentic self?
I had the pleasure to work with a client who was given a makeover. Her company paid for all expenses, from her shoes, her handbag, all of her outfits for the week, her hair, makeup and manicure.
This was her first "real job" after high school and so when I first met her she was very quiet, timid and a little awkward and shy. When we finished her makeover and she got out of the fitting room, she was a totally new person. She had the biggest smile on her face, her posture changed and she walked with confidence.
I remember her crying as she said, "thank you for the day." This is one client that had discovered her unique style and has learned to embrace her identity. It was such a memorable moment for me as we both were crying by the end of our session.
What are you currently fearing and how do you plan to overcome your fear?
My Goodness! Well, right now there's a lot of things that I could be fearing. In 5 days, I will be hosting my first SHE Women's Ministry Conference. I could be fearing that not many people will attend, that something might go wrong, the program might not be good enough, or that I might not be able to deliver the best message while I speak. But then that's doubting what GOD can do. Fear is all about "what ifs" when we think of the worst case scenario. But, Praise God that we don't have to think that way! Yes, we might feel fear, but we have the power to replace that fear with FAITH and take courage and do those things we were called to do even in the midst of fear.
1 John 4:18
"There is no fear in LOVE. But perfect love drives out fear."
When you truly love what you do, and when you look back at the reason WHY you're doing what you do – the love that started that vision and who you're doing it for – may it be in your career, business, love life or family, I truly believe that will drive out your fear. It will build your faith and give you the courage you need to do what you need to do.
How are you preparing to close out 2016?
I still can't believe that this year is nearly over! How am I preparing to close this year? I feel like so many things have happened this year; many lessons learned, many doors of opportunities opened, many goals achieved. More than I thought possible. Really it's just phenomenal and I'm so grateful!
I'm preparing to close out 2016 by simply being grateful and being mindful of all of the things God has done this year! Even now as I write this I'm in awe of what God has done in my life.
Usually, I would be writing out my goals for next year, mapping out my business for the coming year and yes I will be doing that; but my priority as I close out this year would be to give the glory and the highest praise to God for everything that he has done and given Him thanks for the coming year where I believe it will be even greater.
Want to keep up with Fideliz? Follow her @fidelizcruzstylist on Instagram or visit her blog at fidelizcruz.com.


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Financial literacy is one of the most important skills a person can have in navigating life. Recently, Canadian youth were named among the world's top-performing students in terms of financial literacy, according to a global report published by the Organisation for Economic Co-operation and Development (OECD). But while schools are great at educating our children, these lessons in finance can (and should) start at home.
Let's explore different teaching methods you can easily use at home with your little ones as they grow.
Elementary Aged
What an exciting time! Your kid might be still stumbling through their sentences, learning to tie their shoelaces or just got through their first book. Finances is the last thing on your mind right now. A recent study from Concordia University and the Montreal Neurological Institute suggests that children can grasp some financial concepts before the age of 7. It's very important to teach kids at this age about the basic concepts of money. For starters, saving. Kids at this age won't get a lot of money since they haven't started working yet. However, they'll probably be getting some money as birthday gifts from other family members or perhaps even a small allowance. If you give your children an allowance, consider tying it to chores to teach them about the importance of working and that money is earned and not simply given. As soon as your child is receiving an allowance they will need to put it somewhere. It's never too early to take them to the bank to set up their own account!
Here's a great method to teach your child to save from Forbes:
Have your child label three jars – "Saving," "Spending" or "Sharing." Every single time they receive money, split the money equally among the jars. Your child should use the spending jar for small purchases, like candy. Money in the sharing jar can be used to donate to a charity. The saving jar should be for more expensive items like toys or videogames.
It's also pertinent teach them that items in stores cost money. Therefore, kids will need to learn that if they want something, they will need to go into their savings, take out that money, and spend it on what they desire. The older they get, the clearer this concept will become to them.
Middle School Aged
When your child is in middle school, you can focus your attention to the idea of saving for short-term goals to long-term goals. Introduce the concept of compound interest, when you earn interest both on your savings as well as on past interest from your savings.
Here's a great way to teach your child about compound interest:
Have your child do some compound interest calculations on GetSmarterAboutMoney.ca. Here, they can see how much money they'll earn if they invest a certain amount and it grows by a certain interest rate.
Another great lesson to teach them around this time is the importance of charitable giving. Some parents use the idea of 'tithing', which refers to giving/donating 10% to your church (or any other organization). You can help those who are less fortunate and it's a powerful lesson.
High School Students and Beyond
Around this age your child may be doing odd jobs around the neighborhood for pay or gotten a part-time job. This is the time when your child is handed the key and gets full access to their youth account. This will tempt their patience and put your teaching to the test.
Have them download their banks app and monitor their online balance. This is when they need your guidance! Help them set long-term goals like the red sports car they've been dreaming of or that university UK experience. This can then turn into the down payment they need for their first home purchase.
Parents can also talk their children through the intricacies of credit cards once they have a debit card. Having them understand the downfalls of credit card debt is a huge lesson and one that they best learn before they go out into the real world!
This is also a great time to teach your child about student loans. A student loan is an investment in your future, but it does come with obligations, like interest. A lot of students treat student loans like free money, but in reality they will have to start paying the loan back once they're done school.
Once your child goes to college they could be saddled with paying off credit card debt at the same time as paying their student loans. Plus, it could affect his or her credit history/score, which could make it difficult to buy a car, a home, or even to get a job. Also, sometimes prospective employers check credit scores. Help your children avoid credit card debt at all costs!
Maybe even get them to start their own taxes! Their situation might be extremely simple therefore making it very easy to file on their own! It's an awesome way to help them become financially self-sufficient.
Finally, be more of a money and life counselor and less of a professor. Just be there to help them navigate the intricacies of life. They won't say they need your guidance, but they do and will thank you for it in the long run.


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Sometimes fame could lead a star astray, and shove him into a gooey web of deceit and destruction, from where it's not just difficult but impossible to come back.
Harry Potter star Daniel Radcliffe faced a similar kind of situation after being caught in the whirlwind of fame. In fact, he himself admitted that the complacency stemming from having a star status so early in his career carried him too far, and he took to alcohol.
However, in his recent interview, Hollywood's youngest fame hunter revealed that he could manage to do away with his boozy affair.
And the crux of the matter is how come Dan sealed his temptations all of a sudden. Let's hear it from the horse's mouth.
Dan admitted that his new girl friend has given him a good reason to give up drinking. Well, that sounds cool!
But who that lucky girl in Wizard's life is?
No, no, not Olive Uniacke, who has been rumored to be linked up with Dan!
She is someone who-should-not-be-named.
Just kidding guys!
The actor hasn't revealed his girlfriend's name. Anyway, not an issue at all, we'll get to know it eventually.
But we are pleased that the new lady love has changed our adorable Harry for better. It's good to find that the news of Dan's resolution came at a time when the new installment of the fantasy franchise is up for a release this month.
Fans have been searching for suitable options to watch Harry Potter and the Deathly Hallows Part 2 online ever since the news about the last and final installment broke out, and I am sure that as its release date is coming near, their excitement would soar higher.


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Data Scientist
A fast growing utilities client has an requirement for a data scientist to join the expanding team to work on customer analytic and smart meter technology.
You will be responsible for mentoring junior data specialists to ensure they have a deep understanding of data science techniques used.
This role requires a technical candidate who has a vast knowledge of data science, machine learning, deep learning, AI and visualisation applications.
A good all round experience of data science techniques and communication skills are essential.
Skills and Criteria
- Python ML packages.
- Hands on Technical with some team lead experience.
- All round knowledge of data science, ML and Deep Learning techniques and methods.
- Ideally a PhD program in Computer Science, mathematics, data science or related disciplines.
If this role could be of interest, please reply with an updated version of your CV.
To find out more about Real please visit www.realstaffing.com
Real Staffing, a trading division of SThree Partnership LLP is acting as an Employment Business in relation to this vacancy| Registered office | 1st Floor, 75 King William Street, London, EC4N 7BE, United Kingdom | Partnership Number | OC387148 England and Wales