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Please click here to login into Discovery Digital Id
Discovery Insure frequently asked questions
Joining Discovery Insure
Call us directly on 0860 751 751 or speak to your financial adviser. Alternatively you can get a quote in 60 seconds.
You can update your details and cover in one of three easy ways:
- Chat to your financial adviser
- Call us on 0860 751 751
- Email us at email@example.com
Update your details as soon as they change to make sure you have the correct cover in place.
What your car is used for could influence your claims and cover
Giving us the correct information about what your car is used for is important – it helps us to determine your risk profile for theft or accidents seeing as these differ depending on what your car is used for. If the wrong details of what your car is used for is incorrect on your Plan Schedule, you may have to pay an additional excess when claiming. In fact, your claim may even be rejected.
There are different uses that your car can be insured for. You should indicate the one the car is used for most of the time on your Plan:
- Private and professional: You should choose this option when you use your car for:
- Private transportation of others and yourself between home and your workplace.
- Your car can occasionally be used for business (but not more than six occasions in a calendar month).
- However, the transporting goods for business, trade or commercial purposes is excluded from this option.
- Business: If you use your car mostly for work and occasionally (not more than six occasions in a calendar month) to carry goods for business or trade purposes, you can indicate this category on your Plan. However, transporting goods for commercial purposes is excluded from this category.
- Commercial use: When you use your car to generate income, you are using it for commercial purposes. Examples of cars being used for commercial purposes include the transport and delivery of any trade goods (like a delivery service or courier) and transporting people (such as a taxi).
If a car is used for commercial purposes, we can't insure it and would need to be placed on a commercial policy. If your car is being used for commercial purposes and you have a claim, it will be rejected by Discovery Insure.
How to determine if your car is being used for commercial purposes
To help you determine whether your car is being used for commercial purposes, please consider the questions below. If you answer "yes" to any of the questions, your car may be insured incorrectly and you might need to move your vehicle to be insured with a commercial insurer. If you have any doubt, please speak to your financial adviser or call us on 0860 751 751.
Questions to help you check whether your car is being used for commercial purposes:
- Is your car being driven by one or several drivers who are employed by a company or individual who offers your car to the drivers to do their job?
- Is your car used to transport passengers in exchange for payment?
- Is your car used to transport any valuable goods, equipment items that are sold to others for financial reward? Examples include beauty products that are sold to clients and plumbing equipment (geysers, pipes) that gets delivered to customers.
If you need to make any changes to your Plan, please speak to your financial adviser, call us on 0860 751 751. You can also send us an email with all the details of what you need updated to firstname.lastname@example.com, with your Plan number, initials and surname.
Vitality Drive Active Rewards
Discovery Insure clients with Vitality Drive will automatically be enrolled in the Active Rewards programme.
For more information on Discovery Miles please click here
If you have a harsh event, we will recalculate the kilometres from zero. This means your trip won't count as an event-free kilometres and you will start working towards your 100 km event-free trips from zero again.
Vitality Drive and DQ-Track
When and how you receive your Vitality Drive card depends on the DQ-Track option you chose:
- With the smartphone-enabled DQ-Track, you will get your Vitality Drive card in your welcome pack when you pick up your Vitality Drive Sensor at Tiger Wheel & Tyre (You will not qualify for fuel rewards on Drive your Discount, so you will not receive a Vitality Drive card when you install a smartphone-enabled DQ-Track device).
- If you chose the standalone DQ-Track, you will receive your card from the technician on the day of your installation appointment.
Once you have your Vitality Drive card and have linked it to your Plan, all you have to do is swipe it at BP or Shell service stations when you fill up to earn your fuel rewards.
Not sure how to link your new Vitality Drive card? Simply click here to link it.
Replacement Vitality Drive cards are available at your nearest Tiger Wheel & Tyre branch.
You can choose how you would like to measure your driving behaviour – with either the smartphone-enabled or standalone DQ-Track.
The smartphone-enabled DQ-Track gives you the opportunity to earn more Vitality Drive points, more easily. It consists of the Discovery Insure app and our Vitality Drive Sensor device, and uses accelerometer, gyroscope and GPS data to measure your driving behaviour. It also gives you immediate trip feedback as well as detailed feedback on driving events including cellphone use, and the ability to compete with other drivers.
Learn more about the smartphone-enabled DQ-Track, including compatible smartphones, data charges and other costs, the app's features and how it measures your driving behaviour. Read the Discovery Insure app's privacy policy and terms of use.
Stolen vehicle tracking and recovery is automatically included on the standalone DQ-Track for a monthly fee of R85 per car, per month.
All devices offer access to safety features such as Impact Alert, which can detect when you've been in a severe accident and we can send help immediately if we can't get hold of you, warnings of imminent bad weather and the ability to earn Vitality Drive rewards for driving well.
A R150 activation fee is payable immediately when you choose your DQ-Track. This activation fee is at a plan level, meaning that even if you have three vehicles on your plan and choose to install a DQ-Track in all the vehicles, you will only pay one activation fee.
Download more information about DQ-Track and its safety features.
When you join Vitality Drive through Drive your Discount, your driving behaviour will be measured by the Discovery app at no additional cost. To get access to safety features, you can install a smartphone-enabled DQ-Track and pay a R150 activation fee per Plan.
When you join Vitality Drive, you have the option of installing either the smartphone-enabled or standalone DQ-Track to get a driver performance score and earn Vitality Drive Points. You will pay a R150 activation fee per Plan.
Smartphone-enabled DQ-Track
For the smartphone-enabled DQ-Track, you can collect your Vitality Drive Sensor from your nearest Tiger Wheel & Tyre store. The Vitality Drive Sensor works with the Discovery Insure app to measure your driving behaviour.
Standalone DQ-Track
If you're a Classic or Purple Plan client, we'll come to a location of your choice to install the standalone DQ-Track. Essential Plan clients need to take their vehicle to their nearest fitment centre. If a fitment centre is not within a 50km radius, you will receive the mobile fitment option.
You can make an appointment here or call 0860 751 751 to install your standalone DQ-Track.
You can only get one Active Reward a week for each primary driver.
If you are using a Samsung device and have recently upgraded to Android Operating System 9 (OS 9), make sure that your Discovery Insure app is not in hibernation mode. Here is a step by step guide on how to take your Discovery Insure App out of hibernation mode so we can continue to measure your driving behavior.
Here are the ways to check your DQ-Track's functionality:
Testing your standalone DQ-Track by SMS
- Create a new SMS on your cellphone.
- Type in the letter T or P.
- Using the international +27 number format, send the SMS to the DQ-Track cell tracking number given to you during installation.
- You'll receive an SMS from DQ-Track confirming your car's location within minutes.
- You may not receive the SMS immediately if your car is out of GSM coverage (for example, a remote area where GSM coverage is poor, like a parking basement).
Testing your standalone DQ-Track online with DQ Mapper
- Log in to www.discovery.co.za here.
- A new window will appear. Click on 'Access DQ Mapper'.
- A new window will appear showing both a map and a list of cars on your plan that have a DQ-Track installed.
- Click on any of these cars to see their location.
Testing your smartphone-enabled DQ-Track
You can see if your Vitality Drive sensor is connected on the "My vehicles (Vitality Drive sensors)" screen in "Settings" on an iPhone and on the 'Active Vitality Drive sensors' screen for Android. You'll see this within the first 10 minutes of activation at the time of installation. To check if your Vitality Drive sensor is connected at any other point, go to "About", then "List Vitality Drive sensors" on an Android device, and for iPhone, tap on "Account details" and then "Your cars". You can also see if the Vitality Drive sensor is connected while driving by seeing a green bar that says 'DQ Connected' on the Dashboard. This will only appear in driving mode.
Vitality Drive members earn Vitality Drive points for driving well, improving their driving knowledge and awareness and making sure their vehicle is safe to drive.
Download more information on how to earn Vitality Drive points and Get to Diamond status.
Vitality Drive points earned for different activities take different lengths of time to reflect on your Vitality Drive Dashboard based on where we get the information from.
The information below shows how long points take to show on your Vitality Drive Dashboard for different activities:
Within 48 hours
Vitality Drive Points will reflect on your Vitality Drive Dashboard within 48 hours of completing:
Within seven days
- Passing the Tiger Wheel & Tyre Annual MultiPoint check
- Your service history being up to date
Within 14 days
- A Discovery Insure driving course
- EyeGym courses
After the end of each month
- Your Driver performance score
- Reaching a Personal goals
- Your claim-free years
If you have completed an activity and your Vitality Drive Points have not been awarded in the time listed above, please email us at firstname.lastname@example.com.
The information from your DQ-Track will be used to measure your driving behaviour and track the location of your vehicle in the event of a severe incident.
We will not use information from your DQ-Track when approving claims. The only time we will use the data from your DQ-Track in the claims process is to verify the time and location of an incident.
If you are involved in an accident and want to use data from the DQ-Track to prove your innocence and claim money from a third party, we will help you do so too. Discovery Insure, however, will not use such information without your permission.
If you insure your motorcycle with Discovery Insure, you have the option to select the Vitality Drive programme and get rewarded for your motorcycle riding behaviour.
The Vitality Drive programme for motorcycles differs from the standard Vitality Drive programme, depending on whether you have a comprehensively insured car on your Discovery Insure plan or whether the only vehicle you insure on the Discovery Insure plan is your motorcycle.
If your motorcycle is insured with other vehicles
You can select the Vitality Drive programme for motorcycles if you have activated Vitality Drive on your Discovery Insure plan. Vitality Drive for motorcycles is optional, even if Vitality Drive is activated on the Discovery Insure plan.
You can add a motorcycle to your Vitality Drive programme on the fuel rewards and Drive Your Discount reward options, if you have other vehicles on your policy.
If your motorcycle is the only vehicle insured
You can join Vitality Drive fuel reward option for R63 a month for each primary driver if your only motor vehicle is a motorcycle and you have insured your household contents or buildings for at least R250 000. You cannot join Vitality Drive through Drive your Discount if you only insure your motorcycle.
Learn more about Vitality Drive for motorcycles.
Discovery Insure is committed to keeping you safe on the roads. As a Vitality Drive member, Drive Me offers you an affordable way of getting home safely after a big night out, you can avoid more than an unpleasant hangover.
With Discovery Insure, you have access to up to 25% off safe personal driver services at any time of the day with our Drive Me partners – Uber, Road Trip and Scooter Angels, who are available in Johannesburg, Pretoria, Port Elizabeth, Cape Town and Durban. Scooter Angels is also available in Bloemfontein, East London, George, Nelspruit and Pietermaritzburg.
If your Discovery Insure Plan is cancelled, you will need to have your standalone DQ-Track removed from your car. If you choose not to have your standalone DQ-Track removed or if you do not contact us to arrange for it to be removed, you will need to pay a fee of R1 180. If you've installed the smartphone-enabled DQ-Track, you can simply discard it.
If you have installed and activated the smartphone-enabled DQ-Track, you can make use of this panic button for in-vehicle emergencies.
Clients with an Android operating system:
Simply press your smartphone's power button repeatedly, in quick succession (at least five times), while your Discovery Insure app is connected to your Vitality Drive Sensor.
An alert will be sent to Discovery Insure. The smartphone will vibrate and you will receive a notification to confirm that the alert has been sent.
Clients with an Apple iOS operating system:
Simply press the red 'Panic' button that appears at the top right of the dashboard page of your Discovery Insure driving app, when your Discovery Insure app is connected to your Vitality Drive Sensor.
(If your smartphone is not connected to your Vitality Drive Sensor then the dashboard will not display the vehicle panic button.)
An alert will be sent to Discovery Insure and you will receive a notification to confirm that the alert has been sent.
All clients:
A call centre agent will try to contact you or the names noted on your Plan and offer the necessary assistance. If they can't get hold of you, they will immediately dispatch an emergency response team to assist with your vehicle emergency.
The call centre can:
- Dispatch medical assistance;
- Initiate recovery processes or towing services, depending on the incident.
In the event of theft, hijacking, fire, lightning, explosion, storm, water, hail, snow, flood, earthquake, or malicious damage, you will not have to pay any excess on motor claims. If you have DQ-Track installed and you are in a motor vehicle accident that is caused by an insured third party, you will not have to pay any excess. The no excess benefits only apply to you if you have the Classic Plan or Executive Plan.
You will also not have to pay an excess on household contents claims caused by theft (with visible forced entry), fire, lightning, explosion, snow, flood, storm, rain, hail, earthquake or malicious damage.
We'll waive your specified portable possessions' basic claim excesses if these items' documents (proof of purchase and valuation) are stored in our Online Vault. If you're a pensioner and older than 55 years, your vehicle excess will be waived. Complete details of the excess structure are available in the Excess Annexure.
Discovery Insure offers you a number of convenient, hassle-free ways to claim.
Learn more about how to claim.
You can stay informed about the progress of your motor, household contents, buildings, or portable possessions claims online with ClaimsView.
ClaimsView has several unique features, including, being able to see the status of your claim, access service provider contact details and with a motor claim, for example, view photographs of your vehicle as it goes through the repair process.
Read more about ClaimsView.
FastTrack claims is available under the portable possessions section of cover. With FastTrack claims, your specified electronic devices such as cellphones, tablets or laptops will be replaced within 48 hours if the claim is an approved FastTrack claim. If we don't meet these deadlines, we will waive the basic excess for the claim.
You can log your FastTrack claims on our website or on the Discovery Insure app.
Learn more about the terms and conditions of this benefit.
Clients who submit their car's minor damage claims online, will have their repairs completed within five working days of starting the repair. If we do not deliver on this promise, the next month's premium for the damaged car is reimbursed.
Xpress Repairs criteria (else normal claims process applies)
- Available to all clients after three months of cover.
- Damage must be non-structural.
- Only damages to two or less parts and four or less panels qualify.
- Only accidental and collision damages less than R15 000 qualify.
- Exclusions: Glass, mag wheels and pearl colour paint claims.
You need to read your Plan Guide carefully to know all the important events that will not be covered at claim stage.
You have a few options to update your Plan. Learn more about how to manage your Plan.
To get help in an emergency, call 0860 999 911 and we will give you the assistance you need.
Young Adult benefit
The Young Adult benefit is exclusively available to drivers under the age of 26 years.
Learn more about the great rewards and benefits we're offering young adult drivers.
Once you have activated your Young Adult benefit, we will deposit 25% of your car insurance premium into your Rewards Fund. We will deposit this money into your Rewards Fund upfront for each six month period (25% x monthly premium x 6). The balance in your Rewards Fund will increase or decrease depending on your driving behaviour and how many kilometres you drive between 23:00 and 04:30. After six months the balance of your Rewards Fund will become available to you.
Yes, your Rewards Fund can become negative but it won't impact you as it will be reset to zero at the end of every six-month cycle. We won't ask you to top up your Rewards Fund if your balance is negative.
Drive well and earn at least 300 DQ Points each month and avoid night time driving betweeen 23:00 and 04:30.
You may have a premium adjustment at the end of every six months, based on your kilometres of night-time driving over the previous six-month period:
|Monthly average night-time kilometres
|Premium increases
|0 - 50
|50 - 100
|100 - 150
|150 - 200
These premium adjustments are in addition to your annual premium review at your Plan anniversary and will apply for a period of six months only.
You can boost your Rewards Fund each month based on your Vitalitydrive status:
|Classic and Purple
|Drivers can increase their Rewards fund each month by driving
However, for every 1km that you drive your car between 23:00 and 04:30, while it's insured by Discovery Insure, your Rewards Fund will decrease by R10. If you use our DriveMe benefit you will not have any money deducted from your Rewards Fund.
Yes, you will lose all the money you've accumulated as the funds are only available after each six-month cycle.
Vitality Drive Benefits and rewards
Vitality Drive has two reward options to choose from. You will either be able to join the Vitality Drive fuel rewards option and earn up to R800 fuel rewards each month and have access to other fuel related benefits or you can join Vitality Drive through Drive your Discount and get an upfront premium discount of up to 20%.
Policies cannot have a combination of the Drive your Discount reward and fuel rewards reward option. One of the reward options would need to be chosen for all primary drivers on the plan. Both Vitality Drive reward options are available on all, Essential, Classic or Purple plans.
To Increase your rewards%:
- You must Insure your motor vehicle and home
- You must complete and pass a Tiger Wheel & Tyre Annual MultiPoint check.
|Essential Plan car insurance
|Essential Plan car and home insurance
|Classic and Executive Plan car insurance only
|Classic and Purple Plan car and home insurance
|Motorcycle and home insurance
|Immediate rewards
|Up to 5%
|Up to 10%
|Up to 10%
|Up to 20%
|Up to 10%
|Rewards for passing
a Tiger Wheel & Tyre Annual MultiPoint check
|Up to 12.5%
|Up to 25%
|Up to 25%
|Up to 50%
|Up to 25%
To maximise your fuel rewards percentage to up to 50%, you need to:
- Insure your household contents and/or building with your car or motorcycle on your Discovery Insure Plan for at least R250 000.
- Take your motor vehicle to Tiger Wheel & Tyre and pass an Annual MultiPoint check.
*You must insure your building or household contents or both for a minimum of R250 000.
Here's a summary of your Vitality Drive points -earning activities:
|Earning Vitality Drive points
|Monthly Vitality Drive points
|Driver behaviour
|Driver performance score
|0 to 850
|Personal goals(which you'll select quarterly)
|Claim free years: One
|Claim free years: Two
|Claim free years: Three or more
|Knowledge and awareness
|Online driver assessment
|50 for 12 months
|Driving courses
|Up to 150 for 24 months
|EyeGym: Primary course
|Up to 50 for 12 months
|EyeGym: Advanced course
|100 for 12 months
|Vehicle safety
|Passing the Tiger Wheel Tyres Annual MultiPoint check
|Up to 100 for 12 months
|Service history up to date
|50 for 12 months
If you purchase fuel at BP or Shell and make use of the Gautrain, we'll reward you on your total monthly combined spend. You can also choose to have your fuel rewards doubled and paid into your Excess Funder Account.
You could win up to a free tank of fuel for achieving a 5 Star trip on the day you fill up at BP or Shell. You'll receive the good news by SMS.
Click here to see all the winners and to find out more.
If you would like to switch between reward options, you can call our call centre or contact your financial adviser.
Switching from Fuel rewards to Drive your Discount
If you choose to switch from fuel rewards to Drive your Discount, you will no longer earn fuel rewards or any fuel-related benefits. If you have an Excess Funder Account (EFA) the funds will remain in your EFA and this will operate according to the normal EFA rules.
Switching from Drive your Discount to Fuel rewards
If you switch from the Drive your Discount option to the fuel rewards option, your discount will be removed and you will pay the full premium on your selected plan (e.g. Essential Plan with fuel rewards). You will then qualify for fuel rewards with all fuel-related benefits.
Yes, you can switch between getting your fuel rewards paid into your premium paying bank account and having them doubled and added to your Excess Funder Account on a monthly basis.
Call us on 0860 751 751 to switch between these two reward options.
Learn more about fuel rewards and the Excess Funder Account.
You can see your fuel rewards or Excess Funder Account balance here.
Drive your Discount is a digitally enabled way to join Vitality Drive through the Discovery app and earn an upfront and ongoing premium discount of up to 20% based on how well you drive.
With Drive your Discount, you can earn an upfront and ongoing car insurance premium discount of up to 20% by driving well and joining Vitality Drive on the Discovery app.
Here is how you can get an upfront and ongoing premium discount of up to 20%:
- Download the Discovery app and register for Drive your Discount.
- Drive well to earn an upfront discount of up to 20%. Every seven days, you can check the app to see how your discount may have changed based on how you drive. You need to drive well for a minimum of 7 days and 100 kilometres to be presented your first discounted quote.
- Join Discovery Insure at any time during the trial period by accepting your quote and discount offered to you on the Discovery app.
- Once you have accepted the quote and joined Discovery Insure, your driving behaviour will continue to be measured through the Discovery app. Through this, you will earn up to 1 600 Vitality Drive points by driving well, completing knowledge and awareness activities, and ensuring your vehicle is safe to drive. You will earn a Vitality Drive status based on your Vitality Drive points.
- Continue driving well to maintain your up to 20% annual renewal premium discount.
You can earn up to 20% off your car insurance premium. The upfront discount is guaranteed throughout the first year on the plan. You can maintain your up to 20% premium discount, every year at renewal by driving well.
You will also have access to Vitality Drive status-based rewards such as up to 25% off Uber, 25% off car seats, 20% off car maintenance and have access to weekly Active Rewards.
You can also get access to state-of-the-art safety features by downloading the Discovery Insure app, installing a Vitality Drive Sensor at Tiger Wheel & Tyre and linking the Discovery Insure app to the sensor.
You will not qualify for fuel rewards or any of the fuel-related benefits.
You will not qualify for fuel rewards or any of the fuel-related benefits (Excess Funder Account (EFA), EFA Tyre benefit or 5-Star days).
Yes. Your upfront discount is earned during the 28-day trial period and is guaranteed throughout the first year on the plan. At anniversary, we will recalculate your Drive your Discount discount based on how well you drive during the year. You must therefore continue to drive well to earn an up to 20% premium discount every year at renewal.
The upfront discount is guaranteed throughout the first year on the plan. After your first plan year, we will recalculate your Drive your Discount discount based on how well you drive. You must therefore continue to drive well to earn an up to 20% premium discount every year at renewal.
You will use the Discovery app to measure your driving behaviour. As a result, you will not have access to the Vitality Drive safety features.
However, you can activate your safety features. To activate your safety features, download the Discovery Insure app, install your Vitality Drive Sensor at Tiger Wheel & Tyre and link it to the Discovery Insure app.
In addition, you will get enhanced app functionality including immediate trip feedback through the app.
We need to upload your trip data to determine your driving score. This upload can be done through Wi-Fi or 3G. You can manage these upload options in Settings. Any data usage will be charged at normal provider rates.
An upload will be attempted each time a trip is completed. If an upload fails, we will try again after your next trip.
The Drive your Discount feature is available for iOS and Android operating systems, and for the following handsets:
- iPhone 5, 5C, 5S, 4S (iOS 7 or later)
- Samsung Galaxy S4 and S4 Mini, SIII and SIII Mini
- Samsung Galaxy Note III, 10.1
- DROID MINI, Ultra, MAXX
- Moto X
- Nexus 4, 5, 7
- HTC One.
Your drive rank together with the length of time you have been on the trial will be used to calculate your discount. Your drive rank is a measure of how well you drive. You will get a drive rank out of 10, where 1 is for poor driving behaviour and 10 is for excellent driving behaviour. It is calculated using various driving behaviours which are explained above. Once you have driven for at least 7 days with 100 kilometres of driving, we will translate your driving rank into a discount or loading percentage that will be applied to the premium presented in the quote in the app.
When you accept the quote with the discount, we will lock in your upfront discount for your first plan year.
During the 28-day period, you will be scored using a drive ranking. Your drive rank is a measure of how well you drive. You will get a drive rank out of 10, where, 0-3 are poor drivers, 4-7 are average drivers and 8-10 are excellent drivers.
Your drive rank is based on the following driving behaviour elements:
We look at the number of times you drive above the g-force limits for acceleration, braking and cornering. These limits are determined by analysing driving behaviour with accident data. Driving below the limits significantly reduces the risk of being involved in an accident, while driving above these limits increases the risk.
We measure the amount of time you drive above the speed limit.
We consider the amount of time that you drive late at night (after 23:00 and before 4:30 in the morning).
We look at the total number of kilometres you drive. The more time spent on the road, the higher the risk of being involved in an accident.
We also track cellphone use while driving. We measure the time you avoid using cellphones while driving.
We will then translate your overall driving behaviour into a drive rank which you can view on the app.
During each trip, we will measure the way you drive for each driving behaviour factor, acceleration, braking, cornering, speeding, night-time driving, distance driven and cellphone use. After each trip you will be able to view how well you did in the trip and the amount of harsh events that occurred during the trip.
Each trip is scored out of a maximum of five stars to a minimum of one star. We consider four or five star trips to mean you drove more safely than average (good job!). Two to three stars means you drove at an average safety level, and one star means you drove at a higher risk level than the average driver (which increases your chances of a major accident).
The following settings should always be active on your smartphone:
- Accept all permissions.
- GPS and locations services (make sure your Android device is in high accuracy mode)
- Mobile and cellular data
- The following settings must be deactivated:
- Mock locations must be off
- Deactivate battery saver mode
- Accept all permissions
- Location services
- Mobile data
- Background app refresh must be switch on for the Discovery app.
If you have any more questions, you can email us at email@example.com or call us on 0860 751 751 so we can try to resolve the issue.
As a client with Vitality Drive you qualify for more rewards. Earning these rewards is easy. All you have to do is drive well and earn Vitality Drive points. The more Vitality Drive points you earn, the higher your Vitality Drive status, the more rewards you'll get.
Download rewards that are available on both Vitality Drive rewards options.
Ask Discovery - more products


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Dear Colleagues, We hereby cordially invite you to the 70th Annual Meeting of the German Society of Neurosurgery from 12 to 15 May 2019 in Würzburg. My colleagues and I would like to thank the professional society for hosting this jubilee conference here in Würzburg - 85 years after the founding of the first independent neurosurgical department in Germany by Wilhelm Tönnis. Given the historical background of the close relationship between Tönnis and his Swedish teacher, Herbert Olivecrona, we are particularly pleased that the 1st Joint Meeting with the Scandinavian Society for Neurosurgery (SNS) will take place at the congress. In an established way, we are starting the annual convention with the Educational Day, which will be organized in collaboration with the Neurosurgical Academy. Following the ceremonial opening in the Würzburg Residence, a World Heritage Site by UNESCO since 1981, we at the Congress Center Würzburg (CCW), enlarged and modernized since the last conference in 2008, will address current issues of neurosurgical healthcare, research and teaching and discuss future perspectives. This orientation of the conference substantiates the two main topics "Health Services Research" and "Neurosurgery 2030", under which we want to highlight various neurosurgical emphases. Especially today we can point out the final event on Wednesday, Würzburg is a dynamic city in which old and new, Baroque and youth, tradition and renewal are not contradictions, but, in the best sense of the "Universitas", form the basis for interdisciplinary and interdisciplinary discussions. The fact that these can be inspired by good food and equally good wine should also be reflected in the convivial evening in the Bürgerspital - with a reception in the wine cellar, a dinner in the Kelterhalle and lots of music we are looking forward to many younger participants! We wish for the annual conference 2019 an intensive scientific, but also social exchange of experiences and ideas as well as exciting and lively discussions in a stimulating, friendly and collegial atmosphere. My colleagues and I already welcome you to Würzburg! Prof. Dr. Ralf-Ingo Ernestus Congress President

subset: commoncrawl


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Event will introduce the Pixel 4 and other Made by Google products.
Google has officially started sending out invites for the annual 'Made by Google' event that will finally unveil the new Pixel 4 smartphone along with other new devices. Made by Google 2019 will again take place in New York City where it was held last year. The keynote will take place on October 15th at 10 AM ET (6 PM UAE time).
Google first tweeted an image of the Pixel 4 earlier this year, confirming a dual-camera setup. Just in case you weren't online in the past few weeks, there has been a LOT of Pixel 4 leaks covering the different colors, specifications, and software that's present on the new device. A lot has already been revealed that you might wonder what else Google has in store for the Pixel 4.
Here's a roundup of the rumored and somehow confirmed specifications of the Pixel 4:
- 90 Hz 'Smooth Display'
- 5.7-inch (Pixel 4) and 6.3-inch (Pixel 4 XL) OLED display
- 12-megapixel + 16-megapixel telephoto lens
- 2,800 mAh (Pixel 4) and 3,700 mAh battery (Pixel 4 XL)
- Snapdragon 855 SoC with 6 GB of RAM
- 64 GB and 128 GB variants
- Stereo speakers
- Titan M security chip
- New Face Unlock feature
The Pixel 4 will, of course, run Android 10, and while it's shaping up to be an excellent device, there's no word if Google is planning to offer the device officially here in the Middle East.
Stay tuned for more details about the Pixel 4 here at T3ME.com!


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You need a lot of confidence in what you're doing if you're hoping to operate a successful online business. One of the best ways to gain that confidence is to become well informed. Information ensures that you're always making the best decision and this will lead to a confident, lucrative approach. Check out this informative article on network marketing.
Set up a way to record your prospecting calls. Having these conversations to listen to at a later time will go a long way towards improving your close rate. You will be able to review yourself and see where things went right and where they went wrong. You will also have it to use for trainings and blog articles.
When it comes to network marketing, focus on building relationships rather than on your bottom line. By taking the time to really connect with people in order to find out what they want, you can better assist them. When your main objective is to truly help people, you can quickly build trust, which in turn can lead to enormous success.
Being able to see success is an important part of network marketing. This may sound overly trite and extremely generic, but in this type of marketing, seeing the future is important as the size of your network determines your level of success. In network marketing, positive visualization can be extremely effective, and it is a very wise practice.
Set goals outlining where you want to be by a certain point in your business. You must have both short-term and long-term goals. Setting goals helps keep you on your toes and presents challenges that you are ready to face. They also help act as a guide towards your final goal.
To make sure you get the most out of the time you spend network marketing, look at how much income the various activities you do produce. If you spend a lot of time on social media, but aren't seeing much profit from that, it's better to focus your energies elsewhere. Try to complete your most profitable activities first thing in the morning.
One important thing that all network marketers must do is to learn the product so that you are able to get others excited about it. You should know everything there is to know and be willing to share this so that the product will sell with ease, and you will be able to answer any questions that come up.
Practice your recruiting efforts before you ever speak with a potential contact. Practice with another member of the network, so that you can make mistakes with them that don't end up costing you money. The more you practice, the better a recruiter you'll be, and the more successful contacts you will have.
There's more that goes into gaining confidence than just reading some good information, however. Confidence requires that you have faith in what you're doing and realize that your business will be successful. The tips you just read here can help you gain that confidence by exposing some solid, working marketing methods.


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Cloud solutions
Cloud computing leads the IT industry as the preferred choice because it is a reliable, convenient and affordable approach for organizations of all sizes. Cloud solutions offers nearly unlimited data storage, high speeds and wide bandwidth. Moreover, with the landscape of IT technology now so complex and constantly changing, a monthly managed cloud-based system includes automatic systems upgrades on a regular basis, keeping your systems up to date with the latest equipment, applications, and operating environment. At ETTE, we understand how important it is to get the best cloud services available. ETTE can help your organization with these key services:
At ETTE, we believe communication is essential to keep a business going. This is why we partnered with Jive for Voice over IP services to provide high-quality phone services for our clients. Jive is a top rated cloud-based VoIP provider that offers comprehensive telephony services at a fraction of the cost of standard analog or digital phone system providers. Click here to learn more and find out why VOIP can save your organization thousands (Opens in a new window) in telecommunications costs.
Private Cloud
Private cloud infrastructure is an IT environment where the physical equipment is hosted remotely ("in the cloud"), but the organization is responsible for the management of the IT environment, security, and infrastructure. In contrast, a public cloud is a managed service where the environment is managed by a trusted service provider. Between these two services are hybrid solutions where an organization manages specific elements, and a service provider manages others. Private clouds are typically used by medium to large organizations and are ideal for organizations with geographically diverse elements and sufficient IT use to justify a full time IT staff positions. Click here to find out more about how ETTE can help your organization establish a private cloud infrastructure. (Opens in a new window)
Public Cloud
A cloud is an IT environment where an organization's computing resources are housed and accessed over the Internet. In a public cloud, those resources are owned by a third party provider and accessed as a service by a customer base. An organization's entire IT environment can be cloud-based, or a subset of elements, such as the operating infrastructure (operating systems), user applications (such as Microsoft Office 360), data, developer tools and testing environments, and network security elements. Click here to find out more about public cloud (Opens in a new window)
Data Backup
ETTE provides their clients with secure data backup and recovery as part of its surprisingly affordable cloud solutions. As part of our services, we will meet with your organization and have an in-depth discussion of your data and backup recovery needs. We will set up minor and major backups at intervals that allow your business to remain agile and operate with minimal intrusion and delay from the backup system. We will incorporate strategies to ensure disconnectable hardware, such as laptops and USB storage systems are included in the backup strategy. We will help you to formulate policies on data backup that, if followed, will provide you with the safest and securest computing backup environment. Meanwhile, we will keep your actual data professionally secure on the cloud. Contact us to find out more. Click here to find out more about what makes a good data backup solution (Opens in a new window)


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Elise Dewsberry's "Singing Sixty Birthday Recording" campaign lacks a pitch video, but the project is as heart-warming as they come. She does a pretty good job of selling it, too. Once you start regularly checking in on your streaming data, you'll be able to make more informed decisions about different aspects of your music career, such as:
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If that wasn't enough, Ithaca is also home to 73 Records, a youth-run label that releases music by kids and young adults — mainly still in high school. It's a community that supports musicians (full stop). Set up as a museum and artist-in-residence program inside a former three-story thrift store, Elsewhere is an incredible opportunity to collaborate with other residents and make use of a ton of random objects and


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"Tee for Two" – Orlando Airport Marriott Offers All New Golf Package for Pairs & Partners
November 14, 2007 (PRLEAP.COM) Travel News[Orlando, FL November, 2007] Orlando Airport Marriott is offering the exclusive Tee for Two Orlando Golf Vacation Package, perfect for golf pairs and partners.
Enjoy challenging golf at nearby Eagle Creek Golf Club, named one of Travel + Leisure Magazines Top Ten New Courses Since 2000. Eagle Creek is reminiscent of courses found in Scotland and England, and features five, par-five holes, five sets of tees, over 90 bunkers, and dramatic bulkheads. This Audubon International Silver Signature Course is also the first Florida golf course to offer vibrant Mini Verde greens.
Fresh from a complete renovation, Orlando Airport Marriott now emerges as a contemporary masterpiece of luxury and modern delights. As a lavish showpiece of sophisticated style and comfortable convenience, this innovative Orlando, Florida airport hotel is positioned in a central location to Walt Disney World®, Universal Studios®, SeaWorld®, and various other downtown Orlando attractions.
Turn a weekend of golf into a romantic weekend getaway with the Tee for Two Golf-Lovers Orlando Vacation Package, which includes:
Deluxe accommodations for one night
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Hot breakfast for two daily
Prices from $273 - $399
Luxury hotel rooms and suites make a getaway to Orlando a grand lodging experience. Complete with newly renovated and redesigned Orlando hotel accommodations these guest rooms are highlighted by all new furnishings. Sound proof windows eliminate disturbances to ensure that sleep is encompassed with quiet and serenity, while new down comforters, pillows, and designer duvets only add to the tranquility of a good nights rest. Flat panel TVs and modern connectivity panels enhance the functionality of the exclusive Concierge rooms, providing stylish upgrades along with ultra-adaptable enhancements.
After challenging rounds of golf, feast amidst an avant-garde atmosphere at Porterhouse Restaurant. As an acclaimed steakhouse, Porterhouse Restaurant in Orlando serves the finest cuts of beef, choice cuts of chops, and grilled seafood, succulent enough to satisfy every palette. For a more traditional, all-American cuisine, try LUXE, which boasts all the classics while overlooking the picturesque beauty of Lake Michelle. The Landings Pool Bar serves light fare and drinks to poolside guests, and offers a wonderful escape complete with music in the evenings.
Discover what makes Orlando such a wonderful place to golf and visit. Bring that special someone or your favorite golf partner and uncover the luxurious world of Marriott with the Tee for Two Orlando Golf Vacation Package.
About Orlando Airport Marriott
Rediscover this delightful Orlando, Florida hotel near the airport designed for the future with exceptionally accommodating facilities and unsurpassed amenities. Spacious guest rooms have been transformed into a lavish showpiece of sophisticated style and advanced technology, while the revitalized fitness center boasts state-of-the-art equipment. Porterhouse excites your senses with the tantalizing aroma of steaks grilled to perfection, while LUXE offers a delectable menu in a luminous atmosphere overlooking the pool area. Located only 1 mile from the Orlando International Airport, this hotel quickly transports you into a resort style atmosphere and offers a central location to Walt Disney World®, Universal Studios, SeaWorld®, and Downtown Orlando. Experience the remarkable revival of the Orlando Airport Marriott MCO Hotel, flying above your expectations. For more information or to make a reservation, call 407-851-9000 or visit http://www.marriott.com/hotels/travel/mcoap-orlando-airport-marriott/.
*Click on the Check Availability link to make your reservation on Marriott.com. Be sure that the promotional code G4U appears in the Corporate/ Promotional code box when making your online reservation, or call 1-800-380-6752 in the US and ask for promotional code G4U. For more information on this special offer, visit http://www.marriott.com/hotels/specials/mesoffer.mi?marshaCode=mcoap&marrOfferId=152251.
Contact Information
Lisa Moore
eMergent Marketing at Brulant
(321) 303-1297
Contact Us
Lisa Moore
eMergent Marketing at Brulant
(321) 303-1297
Contact Us


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Snupe Bloggy Blog: MLK ATX 2020 Fest Recap
A Beautiful MLK Monday Of Diversity And Harmony
What an increible time on a beautiful Monday afternoon to celebrate one of the greatest individuals to ever walk God's green earth. Huston-Tillotson University campus was the spot to be at, as HT held its annual MLK March/Festival.
Mr. Overton!!! #MLKATX2020 pic.twitter.com/spuJQ3LWpL— Hot 95.9 Austin (@Hot959Austin) January 20, 2020
The most wonderful part (I felt) was the wide amount of diversity at the event. People of all ages, colors and religions gathered together on a beautiful day, celebrating unity and peace. I know we dont live in a perfect world, but from 1130 AM to 330 PM, it certainly felt like one.
Big DIVERSE crowd at HT‼‼ The carnival is FREE to the public, family friendly and it's BEAUTIFUL outside. Partying till around 3:30 P.M. #MLKATX2020-- @HustonTillotson pic.twitter.com/9oOegeQ7Gs— Hot 95.9 Austin (@Hot959Austin) January 20, 2020
If you'd like to check out more pictures from this past MLK weekend (and photos of year's past celebrations), visit https://www.mlkcelebration.com/


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Hemp CBD is completely different from cannabis CBD. Hemp also derives from the Cannabis sativa L plant, and while it also contains THC, it contains it in volumes that are less than 0.3% by dry weight. Some governments, including the US, regulate the concentration of THC and permit a specific variety of hemp (called industrial hemp) that is bred with an especially low THC content. This is the reason why, when you type into Google "CBD oil for Sale", you get hundreds of companies trying to sell you their products – according to most all of them, CBD oil from industrial hemp is 100% legal to sell online and ship to all 50 states.
First, chronic pain is different for every sufferer. Back pain, joint pain and chronic migraines, for example, require different treatment options. Even under "back pain," skeletal and muscular pain are strikingly different. What may help treat one, may not treat the other. Identifying the cause of pain – which is sometimes impossible – is critical for finding an effective, "traditional" treatment.
You can thin the CBD with terpenes, encapsulate it in dextrin, drive the terpenes off with heat, and use the now water-soluble CBD in water with an ultrasonic fogger/oil-diffuser. It won't precipitate, but the level of solubility is pretty low even with encapsulation, think 100mg per 200ml. The evaporation rate of those units is somewhere like 50ml/hour, which works out to .83mg of CBD being vaporized a minute, or .14mg every 10 seconds. That's a miniscule rate.
Moreover, scientists at the Cajal Institute showed promising results in regards to CBD and Multiple Sclerosis. They used animal models and cell cultures to find that CBD reversed inflammatory responses; within only ten days, mice that were used in the study had superior motor skills and showed progression in their condition. To date, there have been well over 20,000 published scientific articles on cannabinoids and their related effects on all sorts of medical ailments.
Ananda Hemp is a tempting brand to say the least. They source their seeds from the largest hemp seed bank in the United States and have generational farmers grow their products. Plus, they offer excellent customer service with their products. However, I was disappointed that they had only two concentrations of tinctures available, one amounting to 200 mg and other being 600 mg.
These are the best CBD oil extracts, hemp edibles, balms and e-liquids that are available to buy in the UK, clearly listed by total CBD content (see red circles above each product). We feature only products we've tried ourselves and know are top of the range, both in terms of purity and strength. You can be assured that you are receiving a CBD oil from ethical UK or European suppliers who use organic crops and supercritical CO2 extraction. CO2 extraction ensures you receive a full-spectrum product and benefit from the entourage effect. All of these products are legal (less than 0.2% THC content) and fully certified.
If you are new to CBD oil then it is probably extremely confusing. How much to take? Which UK brand is best? and where to purchase CBD from? While we tend not to play favourites, Provacan was voted the best CBD brand, providing a quality product. Not only does the company feel that they have managed to help thousands of people, but their customer support and product is top of the range. Check them out to see what we are talking about.
One of the most expensive tinctures on the list, Pet Releaf's full-spectrum CBD oil is carried in organic coconut (MCT) oil, and has a very light taste. You'll be able to choose between 3 concentrations for both cats and dogs — just make sure to read their product pages closely so you know how much CBD is in the bottle. The numbers on their label refer to all the cannabinoids present in the tincture, not just CBD.
If you currently vape, then transitioning to CBD e-juice will be super easy. You could use your existing vape, or purchase a dedicated setup for vaping CBD. Vaping CBD oil is essentially the same process as vaping nicotine-based e-juice. If you're new to vaping, see our complete guide to vaping and inhaling. Here are some tips to help you get started.
37. Johnson, JR, Burnell-Nugent, M, Lossignol, D, Ganae-Motan, ED, Potts, R, Fallon, MT. Multicenter, double-blind, randomized, placebo-controlled, parallel-group study of the efficacy, safety, and tolerability of THC:CBD extract and THC extract in patients with intractable cancer-related pain. J Pain Symptom Manage. 2010 Feb;39(2):167-79. PMID: 19896326
According to Provacan, the massage oil offers a more "sensual experience"; each 20ml bottle costs £19.99, and contains 100mg of CBD. The e-liquid range for vape pens comes in several sizes, and is ideal for those who want to vape their CBD daily. The Provacan UK branch even sells starter kits for £59.99, which include a vaping device and 600mg of CBD e-liquid.
In compliance with the FTC guidelines, please assume the following about links and posts on this site: Many of the links on DrJockers.com are affiliate links of which I receive a small commission from sales of certain items, but the price is the same for you. If I post an affiliate link to a product, it is something that I personally use, support and would recommend without an affiliate link. Learn More
Start by taking the recommended dose on the product's label, which is the minimum dose. Allow one week to see how you respond to it. If you feel that you need to increase your dose, take up to 50% more of what you've taken during the first week for another week. Repeat this process until you find your ideal dose. If you've been advised to take a specific dose of a strong CBD oil, check the product description to see how many mg of CBD are per drop.
They have loads of positive customer reviews on their website, including recommendations from a prominent UK/EU CBD user Facebook group. Even though Provacan legally does not advertise their CBD oils as having medicinal effects, one customer (by the name of "Seb"), noted that he/she use the 6% oil for chronic pain, and after 2 weeks was able to cut their prescription meds by almost 50%.
With an increasing number of options out there, choosing the right CBD oil brand may be confusing. Unfortunately, CBD oil is currently not regulated by the FDA, hence not all brands are organic, and not all include the same amount of or full-spectrum benefits. When choosing a CBD oil brand, look for organic, non-GMO, independently tested, full-spectrum hemp products.
Lab results for these products can be found on our Lab Results page. You should also check our our Beginners Guide to CBD and our FAQ sections of the site for more information about vaping CBD Oil. Keep checking back often, we update our CBD E-Liquid and Vape products often. We run regular sales too, so share your favorites with your friends via social media!
Using one kind whole-plant drawing system, the e-liquid has a full fat spectrum CBD blend with pure vegetable glycerine. Every bottle comes with 30ml of CBD and if you prefer dripping or even sub ohm tanks, this product is ideal. Indeed, lack of propylene glycol makes it hard for some clearomizers, but it's a great product for people who love sub ohming.
These are the best CBD oil extracts, hemp edibles, balms and e-liquids that are available to buy in the UK, clearly listed by total CBD content (see red circles above each product). We feature only products we've tried ourselves and know are top of the range, both in terms of purity and strength. You can be assured that you are receiving a CBD oil from ethical UK or European suppliers who use organic crops and supercritical CO2 extraction. CO2 extraction ensures you receive a full-spectrum product and benefit from the entourage effect. All of these products are legal (less than 0.2% THC content) and fully certified.
CannabiGold's unique selling point is not its oil, however, but its method of application. A common customer issue is droppers leaking because, when the highly viscous oil gets in the rim of a conventional dropper, it is not easy to close the bottle tightly anymore. By listening to their customers and conducting research and testing in their state-of-the-art facilities, the R&D team at CannabiGold developed a precise dropper technology that would allow 10g of CBD oil to be delivered in 400 micro drops, one at a time.
No, absolutely not. We source exclusively from 100% organic farms, so this is never an issue. Even though none of our ingredients have ever been exposed to pesticides, we still routinely have our phytocannabinoid oil tested by a third party for potency and the presence of any toxins/pesticides. You can see the results on the certificate of analysis found on our website.


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Eastern Fare Music Foundation - Music of Euphonic Sounds
About Eastern Fare
Eastern Fare is an acoustic rock and fusion band formed in Bangalore in 2007, now based in Guwahati, India. The present team members, Jim Ankan Deka (guitar and keys), Prabal Gogoi (cajon), Gaurav Choudhury (guitar) and Jenie (percussion), occasionally teams up with different musicians from various backgrounds all across the country to create amazing music, videos and collaborative projects.
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5 comments:
Is there ant age group required for the admission. And you provide lessons in instruments too. Please do write on your blog regarding the things i have asked.ReplyDeleteReplies
Hi Guitar Classes, please check our website "http://www.easternfare.com" for more information.Delete
Nice Keyboard Playing Music Classes Shared by you.ReplyDelete
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What's New
- by Jim Ankan Deka Many budding musicians and bands from India have been asking me a question for quite some time now - ' how to sel...
- by Jim Ankan Deka There was a time when people would give their entire savings to get featured by MTV and yet, it never came easy. Only t...
Bon Scott was an Australian musician born in Kirriemuir, Scotland on 9 July 1946. He was the lead singer and lyricist of the Australian band...
A new study from Canada suggests music lessons may in fact have wide-ranging intellectual benefits. It finds that, among a group of high-pe...
Eastern Fare Music Foundation now starts music classes for Guitar, Keyboard, Piano and Indian vocals at Noonmati, Rajgarh, Forest Gate, ...


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Aug 232009
The "Gundam 00 Next Mission" event has been held today at the Gundam Big Expo. Some information about the Mobile Suits of the movie sequel of Gundam 00 has been released :
- 00 Quanta, Setsuna's unit. Exia's lineage. It has binders and shield on its left shoulder, as well as numerous Funnels (informal name).
- Gundam Harut, Allelujah's unit. Harut and Marut are two angels mentioned in the Qur'an. The Gundam has a visor like the Astraea and the GN Archer. It can transform.
- Gundam Zabaniya, Lyle's unit. The Zabaaniyah are the gardians of Hell in the Qur'an. Looks like a close-combat unit. It has a slim torso and big legs like the Virtue. It carries a "GN Armor lite" on its back.Main weapon : Double hand gun.
- Gundam Raphael, Tieria's unit. See the Archangel Raphael. It has wired cannons in its fingers (like the Belphegor Gundam) and 4 cannons on its shoulders.
"New GN Drives" were also mentioned.
Sources : Kouryaku no Kan et 4chan.


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For Reddit users, there is now a MiniScript subreddit:
Well, I have no idea how you keep up with all your social media outlets. When is the Youtube channel starting? 😉
🤔 Hmm... well there's this and this, but they're just among my personal videos, not in a channel of their own... I know you were joking, but it's actually not a bad idea!


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|Cindy Margolis
|Cynthia Dawn "Cindy" Margolis
|October 1, 1965
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|Known for:
|Queen of the Internet
Her modeling career took off when agents started asking about the woman on the cards. She has modeled in advertising for companies such as Reebok, Vidal Sassoon, Coors, Frederick's of Hollywood, Hanes, and Sunkist. She was Miss Makita Power Tools 1986 and did appearances at woodworking trade shows.
In 1995, she briefly was one of Barker's Beauties on The Price is Right.
From 1996-1999 she was referred to as the "Queen of the Internet", for she was the most downloaded woman on the internet.
In 2000, she had a Saturday late night talk show based in Miami Beach, Florida.
In 2010, she had her own reality show called Seducing Cindy on the FOX Reality Channel before its demise.
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When renovating the apartment I took out internal dividing walls to open up the kitchen and transform the living room, creating a huge and well-lit entertaining space that spills out onto the outdoor terrace. We also reimagined in-built storage to create airy & generous rooms to make the most of the oversized Art deco proportions. It really is like living in a house but when you travel as much as we do, it's just a simple lock the door scenario. I worked with my favourite building teams for the best finishes, CWF Constructions, Winchester Interiors for all the joinery and my long time collaborator for all the fine details, Saul of Colo Forge.
I chose all of my favourite materials & features when renovating the apartment; hard wearing granite quartz benchtops & kitchen island, handmade Moroccan tiles, European hardware on solid wood doors, leather plank flooring, zinc top outdoor kitchen with an antique French basin, The Society inc hardware, oak cabinetry, Smeg appliances and Murobond paint in various colours from my paint colour range. The outdoor terrace space is my favourite place that we use all year round as the fixed mechanical pergola not only lets you control the light but it's also heated. My potted garden is irrigated, allowing for it to become a gardener's sanctuary.
View the At Home video for a tour and insights into my home.
For viewing times and more info, please contact Anthony Puntigam of Phillips Pantzer Donnelley
Photographed by Anson Smart for Vogue Living.


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Here in our ink-spattered sturdy little studio, in the heart of the kingdom, we run a small independent screen printing studio. All prints created at Bua Print adopt the oldest form of printing in the world, silk screen printing, and every single print produced is manually hand pulled. Every day that passes our technique improves and our style matures as we set out to create legitimate handmade Irish prints.
"Our style reflects modern-day Ireland mashed with its unmistakable history and heritage."
With an emphasis put on design, craft and authenticity our goal is to capture the true essence of Ireland's culture through visual artistry.
For a more in depth view, find out what drives us, why we do what we do and the technique and craft involved in the process ...... click here


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John wordle architects and office dating - USA
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The estimate of the Financial Costs of a Budget includes the Cost of Insurance and the Financial Cost itself, which comprises the set of disbursements in terms of monetary units for interest, commissions and other expenses arising from obtaining loans from Financial entities.
The Financial Cost Analysis is developed in the next Post. This Post is about types of Insurance and their Cost.
Insurance General
Policy.The Policy is the document that gives validity to the Insurance contract agreed between the Insured and the Insurer. This contract specifies the requirements, rights and obligations of the parties involved.
Coverage. Insurance Coverage is the commitment assumed by the Insurer to pay compensation to the insured (or their beneficiaries), with the aim of repairing the consequences of a loss. It should be pointed out that the cover has a limit known as the insured capital.
Premium. The Premium is the amount of money the Insurer charges for the Insurance. The Premium guarantees that the Insurer is obliged to comply with the benefits it has promised to the Policyholder.
Types of Insurance | Calculate Man Hours
The Bidding Documents establish the types of Insurance required, the scope of its Coverage and the Insured Capital.
Generally it is requested that the Insurance Policies have the following clauses inserted:
1. Clause of renunciation of the Insurer to the subrogation against the Client. (Known as non-repetition clause)
2. Clauses that prevent the Insurer from modifying and/or cancelling the Insurance without prior notification to the Client.
The Client is responsible for monitoring the validity of each Policy and compliance with the requirements of the Bidding Documents.
List of insurances that are usually required by the Bidding Documents:
Before the adjudication.
Insurance for maintenance guarantee of the Offer.
The bid maintenance guarantee is returned to the bidder whose proposal was not accepted. The return is made after the adjudication of the work to the successful bidder. The costs of these policies, as indicated in the post Overheads, are charged to General Expenses.
After the Adjudication.
Workplace accident insurance.
An Accident of Work is an unexpected event occurred in the work or in the trip between the domicile of the worker and the place of work or vice versa (in itinerary). These Insurances are charged at the cost of the man-hour.
Worker's life Insurance.
It is a special social benefit paid by the employer that was created to cover the risk of death of workers whatever the cause that produces it.
Professional Civil Liability Insurance.
Cover damages to the Client that involuntarily, due to his errors or omissions, the professional may have caused him in the exercise of his profession.
Caution Insurance for guarantee of fulfillment of the Contract.
Surety Insurance to replace retention with Repairs Funds.
The surety Insurance or Guarantee Insurance, is that Insurance contract by means of which the Insurer is obliged to indemnify the Insured for the damages he suffers in the event that the Policyholder fails to comply with the legal or contractual obligations he maintains with the latter.
Civil Liability Insurance
Against third parties for motorized vehicles of the Contractor affected to the execution of the Contract (They are charged in the cost of the Equipment).
Any other Insurance required by the Labor Legislation in force.
Construction and Assembly Insurance during the execution of a Project
They cover against all risks, including fire,
damage caused by natural disasters, theft, design or maintenance error and loss
of benefits, among others.
Why these Insurances?
If you are working, for example, in a Refinery and you move equipment with a Crane, there is a risk of damage and fire to the existing facilities, damage to third parties, loss of profit in case of interrupting the production of the Refinery, etc.
All these risks must necessarily have Coverage, generally the Client has already contracted this type of Insurance and does not request them from the Bidder.
Cost for Insurance
In summary, the cost to be charged for insurance is obtained
1. First, it is necessary to define with precision the types of Insurance required by the Client.
2. With these data, the estimators must obtain the corresponding quotation from the Insurers authorized by the Bidding Document.
Financial Cost | Calculate Man Hours


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About RideShareTags
Welcome to RideShareTags.com where you will find easy solutions for Rideshare and Delivery drivers. We know what it's like to be a driver and the issues we all have to deal with…
- You're idling on a crowded street and your rider can't find your car.
- You get a $200 restaurant delivery and get screwed on the tip.
- You're making a delivery, pop on the hazards, and pray you don't get a ticket.
- You're not promoting your referral codes to make extra money.
We get it, that's why we came up with solutions to help deal with the problems we all face on the road. Increase your visibility, get better tips, promote your referral codes, and grow your reputation as a professional driver.
Drive easy and stay safe out there!


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Primary Music Teacher, Singapore
Closing date:
Start date: 6 August 2020
Contract type: Full Time
Contract term: Fixed Term
About the role
Join our fast-paced international environment, and you will deliver UK National Curriculum and IPC programmes. You will challenge your students to set ambitious targets for themselves and seek out and implement innovative teaching practices to enhance the student experience and outcomes.
About you
Able to adapt quickly to our fast-paced international environment, you will bring a university degree, a recognised teaching qualification and considerable teaching experience to the table. Committed and creative, you will be reflective on your own teaching and student outcomes, seeking out and implementing new ideas and innovative methods to raise the school's level of achievement.
The ability to lead and develop a team, and to communicate clearly with all stakeholders is essential.
Keen to collaborate and share your specialist expertise, you will be a fitting ambassador for the school. You will communicate with confidence across diverse audiences and situations, using your expertise to build strong relationships with parents and students. You will also be able to meet visa-related restrictions for Singapore.
When you join a Nord Anglia Education school, you join a global community of more than 13,000 people working together to support our students' success. We offer you unsurpassed opportunities to innovate and develop best practice across our family, to access extensive professional development, and to gain exceptional experience and career development in our schools. At Nord Anglia, you will have opportunities to progress more, learn more, and collaborate more.
We offer career and development opportunities that come with being part of our global organisation. Nord Anglia University unites our team through a vibrant online platform, which harnesses the collective expertise of peers in an exchange of knowledge, ideas and best practice. We also provide extensive online and face-to-face professional development through Nord Anglia University to ensure that our teachers don't just maintain their skills, they develop at the cutting edge of educational thinking.
Our collaborations with The Juilliard School, MIT, UNICEF and King's College London, offers our teachers unrivalled access to leading experts in their fields. We also offer selected candidates from our staff worldwide an opportunity to earn their Executive Master's in International Education in an exclusive collaboration with King's College London.
Alongside great training and a competitive package, you'll enjoy the chance to live and work in one of the world's most vibrant cities.
As a Nord Anglia Education teacher, you enjoy the following benefits:
A fast-paced, global experience so that you can progress on a global scale
An enabling environment founded on creativity, challenge and collaboration
A culture that is fair and consultative
Unique opportunities to grow professionally and develop your career
Selection Process
The closing date for application is 28 March 2020. First stage interviews will be conducted by Skype or face to face.
Start Date: 6 August 2020
At Nord Anglia Education we are committed to providing a world class, safe, happy environment in which children and young people are able to thrive and learn. We are committed to safeguarding and promoting the welfare of all our pupils irrespective of race, ability, religion, gender or culture.
All post holders in regulated activity (having regular unsupervised contact with children) are subject to appropriate national and international vetting procedures including satisfactory criminal record checks from both your country of residence/birth and any country of residence within the last 10 years.
Contact Dover Court International School
Thanks for your interest in this role.
Simply fill in the form below to ask any questions, request a call, or schedule a school visit.
This field is required


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Presented by U.C. Davis Extension
Participants will explore developmental theory in relation to individual and group care. They will be encouraged to consider the origins of children's behavior; biological factors, early childhood settings, family dynamics and the greater community influence child development, learn to incorporate methods of guidance/ discipline to facilitate pro-social behavior, problem solving, self-regulation, positive self-concept and self-esteem.
8:30 a.m. check-in, continental breakfast and light lunch will be provided.
Registration deadline: Friday, October 18, 2019
Questions: Call Marissa Frias at 925-942-5331 or email at firstname.lastname@example.com
Training host: Contra Costa County Office of Education
5 hours


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Exhibition Opening of Feliciano Centurión: Abrigo
Exhibition Opening of Feliciano Centurión: Abrigo
Americas Society
Americas Society is pleased to invite you to the first solo exhibition of Paraguayan artist Feliciano Centurión in the United States, curated by Gabriel Pérez-Barreiro. Centurión created work engaging with folk art and queer aesthetics in 1990s South America. Through the embroidery and painting of these vernacular objects, Centurión rendered poetic readings of his youth in the tropics, his love experiences in the metropolis, and his spiritual reflections before his untimely death due to AIDS-related illness.
Event Information: Carolina Scarborough | email@example.com | 1-212-277-8367
Media Relations: email@example.com | 1-212-277-8333
Membership Information: as-coa.org/CulturalCircle | firstname.lastname@example.com
Photo caption: Medusas (Jellyfish), 1994. Acrylic and crochet on blanket. 78 ¾ x 74 ¾ inches (200 x 190 cm). Fundación Museo Reina Sofía, Madrid. Estate of the Artist, Familia Feliciano Centurión


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Dear ROS community,
Some members of the ROS community are publishing a special issue of the International Journal of Advanced Robotic Systems (IJARS, IF: 0.952) entitled "Open Source Robotics". I hope this is of special interest to many people of our community.
Special Collection on Open Source Robotics
Currently we are living a revolution in Robotics that is closely related to the use of Open Source Software and Hardware. The creation of communities around areas of interest in Robotics provides a development model that promotes the diffusion and standardization of technologies. The establishment of such standards provides an effective and convenient method to disseminate implementations of algorithms and models, which otherwise could not be carried out, which allow the reproduction and comparison of results, advancing technology and science in Robotics. This philosophy of free knowledge is emerging from academic environments to be adopted by the industry, as a way to optimize their development and business models. The emergence of community makers, 3D printing, the emergence of Open Source standards such as ROS or YARP, or initiatives such as ROS Industrial are a revolution in the way we approach the development of robotic technology.
Novel theoretical approaches or practical applications of all aspects involving open source robotics are welcomed. Contributions shall contribute to the understanding of the value of an open source approach.
- Open Source middleware and frameworks for Robotics
- Open Source in education
- Open Source projects
- Open Standards for Robotics
- Description of Open Source Industrial approaches
- Open Hardware
- Development models based on Open Source
Guest editors:
- Dr. Francisco Martín Rico - Rey Juan Carlos University, Spain (email@example.com)
- Dr. Carlos Hernandez Corbato - TU Delft Robotics Institute, Netherlands (email@example.com)
- MSc. Gijs van der Hoorn - TU Delft Robotics Institute, Netherlands (firstname.lastname@example.com)
- MSc. Ir. Sam Pfeiffer - University of Technology, Sydney, Australia (firstname.lastname@example.com)
- Dr. Juan González Gómez - Rey Juan Carlos University, Spain (firstname.lastname@example.com)
Submission deadline: February 28, 2019
- Special issue: https://journals.sagepub.com/page/arx/open-special-issues/open-source-robotics
- Journal: https://journals.sagepub.com/home/arx
- Submission: https://mc.manuscriptcentral.com/arx


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Summer is about being outside and maybe having fun at the local pool or playing with friends in the neighborhood. However, there are those days that are too hot or to rainy and you and the kids are stuck inside. What do you do? Here are some quick suggestions.
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September 2019
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