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While gambling has been traditionally viewed as an adult activity there has been a growing body of research suggesting its popularity amongst adolescents. Despite findings that suggest that most youth gamble in a relatively responsible manner and have few negative gambling-related behaviors there is strong evidence that they constitute a vulnerable group for gambling disorders. The current paper addresses our current knowledge concerning the prevention of youth gambling problems and provides new potential strategies for helping young individuals experiencing a gambling disorder. While the research lacks strong evidence for best practices, a number of novel approaches to the prevention and treatment of gambling disorders for youth are discussed.
Month: April 2016
Reinforcing Small Wins and Frustrating Near-Misses: Further Investigation Into Scratch Card Gambling – Open Access
Scratch card games are incredibly popular in the Canadian marketplace. However, only recently have researchers started to systematically analyze their structural characteristics and how these in turn affect the gambler. We present two studies designed to further understand the underlying physiological and psychological effects that scratch cards have on gamblers. We had gamblers (63 in Experiment 1, 68 in Experiment 2) play custom made scratch cards involving a small win, a regular loss and a near-miss—where they uncovered two out of the three symbols needed to win the top prize. Our predictions were that despite near-misses and losses being objectively equivalent (the gambler wins nothing) gamblers' reactions to these outcomes would differ dramatically. During game play, skin conductance levels and heart rate were recorded, as well as how long gamblers paused between each game. Gamblers' subjective reactions to the different outcomes were then assessed. In both studies, near-misses triggered higher levels of physiological arousal (skin conductance levels and heart rates) than losses. Gamblers paused significantly longer following small wins than other outcomes, and reported high arousal, positive affect and urge to gamble—a constellation of results consistent with their rewarding properties. Importantly near-miss outcomes were rated as highly arousing, negative in emotional tone, and the most frustrating of all three outcome types examined. In Experiment 2, when we measured subjective urge to gamble immediately after each outcome, urge to gamble was significantly higher following near-misses than regular losses. Thus, despite not rewarding the gambler with any monetary gain, these outcomes nevertheless triggered higher arousal and larger urges to gamble than regular losses, a finding that may explain in part, the allure of scratch cards as a gambling activity.
How does the stigma of problem gambling influence help-seeking, treatment and recovery? a view from the counselling sector
Understanding Gambling Mechanisms & Predictors 2016 – Conference presentations
The Alberta Gambling Research Institute has posted the presentation slides from their 15th annual conference, which took place April 7-9 2016. From AGRI's website:
Conference Learning Objectives
By the end of the Alberta Gambling Research Institute's Annual Conference, participants will:
- Understand current research on the mechanisms behind gambling, problem gambling and recovery from problem gambling
- Garner knowledge of the scope of gambling-related research, locally, nationally and internationally
- Engage in discussion of issues with speakers and other participants regarding gambling, problem gambling and recovery from gambling
- Have the opportunity to showcase their research findings
Presentation themes ranged from updates on the latest research on neurobiological and cognitive mechanisms that underlie gambling and problem gambling to presentations on how different treatment and self-help interventions work. Plenary presentations from top experts provided the stimulus for structured conversation sessions that allowed participants to discuss issues in depth. Participants also had the opportunity to showcase their recent research findings. See Conference 2016 Program.
Predicting online gambling self-exclusion: an analysis of the performance of supervised machine learning models
Problem gambling, anxiety and poverty: an examination of the relationship between poor mental health and gambling problems across socio-economic status
Socio-economic status has been shown to be significantly related to both problem gambling and mental health problems. Additionally, forms of psychopathology such as mood and anxiety disorders have been shown to correlate with problem gambling across a variety of settings. However, relatively little research has been conducted examining whether the connection between mood and anxiety disorders and problem gambling is consistent across different levels of socio-economic status. This study examines gambling-related problems among a representative sample of Canadian adults using the 2008 Canadian Community Health Survey (N = 28,271). Generalized linear modelling is used to analyze the data. A moderation effect is found that shows the relationship between anxiety disorders and problem gambling severity varies significantly across socio-economic status. This study shows that social setting has an important influence on the assumed relationship between psychopathology and gambling problems that is downplayed in current problem gambling research. A discussion of the need for greater inclusion of socio-economic context when making assumptions about the connections between problem gambling and psychiatric disorders is made in light of the responsibilities of gambling providers and regulators.
Treating Problem Gambling Samples with Cognitive Behavioural Therapy and Mindfulness-Based Interventions: A Clinical Trial
The problem gambling (PG) intervention literature is characterised by a variety of psychological treatments and approaches, with varying levels of evidence (PGRTC in Guideline for screening, assessment and treatment in problem and pathological gambling. Monash University, Melbourne, 2011). A recent PG systematic review (Maynard et al. in Res Soc Work Pract, 2015. doi:10.1177/1049731515606977) and the success of mindfulness-based interventions to effectively treat disorders commonly comorbid with PG suggested mindfulness-based interventions may be effective for treating PG. The current study tested the effectiveness of three interventions to treat PGs: 1. case formulation driven Cognitive Behaviour Therapy (CBT); 2. manualised CBT; and 3. mindfulness-based treatment. All three interventions tested returned large effect size improvements in PG behaviour after seven sessions (Cohen's d range 1.46–2.01), at post-treatment and at 3 and 6-month follow-up. All of the interventions were rated as acceptable by participants at post-treatment. This study suggests that the mindfulness-based and TAU interventions used in the current study appear to be effective at reducing PG behavior and associated distress and they also appear to generalise to improvements in other measures such as quality of life-mental functioning and certain mindfulness facets more effectively than the manualised form of CBT utilised used here. Secondly, a brief mindfulness intervention delivered after psycho-education and a brief CBT intervention may be a useful supplement to traditional CBT treatments by addressing transdiagnostic processes such as rumination and thought suppression. Thirdly, CBT interventions continue to report effectiveness in reducing PG behaviour and associated distress consistent with the prevailing literature and clinical direction.


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as everywhere, Tea Party-infusedgroups are challenging the Republicanestablishment to move right. Onelocal result: the Massachusetts FiscalAlliance, a new "hidden money"group that mounted a meaningfulindependent expenditure campaignon behalf of conservative legislativecandidates in the 2012 election cycle,So-called "education reform"entities that bring the values andmethods of the private investmentindustry into the realm of school policyhave a major Massachusetts presence,as well. Organizations such as the NewInc., cannot be neatly typecast. Yet thepractical effect is at times to reinforcethe Right Wing critique of publicschools.
In this environment, Massachusettspublic education and worker advocatesmust seek support amid a complicatedset of shifting alliances in which allieson one issue may be adversaries onanother. For example, potentiallydisastrous tax-rollback initiativepetitions in 2008 and 2010 weredefeated with the help of the state'sbusiness community. Yet much of thebusiness lobby is deeply invested in thenotion that teachers and other publicLikewise, public school advocatesand labor have worked cooperativelywith a group called Stand for Childrento preserve school funding. Yet Standthreatened last year to unilaterallyundo a consensus program of educatorevaluation reforms by means of aballot campaign before agreeingto accept a legislative solution thataverted the most damaging aspects ofits initiative.
For the MTA and others concerned
about public education and workers'
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let up in the months and years ahead.
The task force report, which will
dig deeply into the activities of anti-worker and anti-public-education
groups, will be posted on the MTA
website in May.
Continued from Page 10
Note: If you or your association would like to have a retirement workshop at your
school, your local president should call Harold Crowley at 800.392.6175, ext. 8240.
Please be aware that the M TA does not have a record of your service, so members
are advised to bring that information along to meetings.
AUBURN — Louise Gaskins: first and second
Saturdays of each month (walk in), 9 a.m. to 1
p.m., M TA Central Office, 48 S word St., Auburn;
508.791.2121, or at home, 978.448.5351.
BOS TON — Harold Crowley: Tuesdays,
Wednesdays and Thursdays (by appointment only),
9 a.m. to 4 p.m., M TA, 20 Ashburton Place, Boston;
617.878.8240 or 800.392.6175, ext. 8240.
BRAIN TREE — Mary Hanna: second Saturday
of each month (walk in), 9 a.m. to 1 p.m., M TA
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Braintree; 781.380.1410, or at home, 781.545.2069.
CAPE COD — Lawrence Abbruzzi: second Saturday
of each month (walk in), 9 a.m. to 1 p.m., Barnstable
Teachers Association (B TA), 100 West Main
St., Suite #7, Hyannis; 508.775.8625, or at home,
FI TCHBURG — Robert Zbikowski: second Thursday
of each month (walk in), 4 to 8 p.m., Fitchburg
Teachers Association office, 21 Culley St.,
Fitchburg; 978.790.8864, or at home, 978.297.0123;
e-mail: email@example.com.
HOLYOKE — Ron Lech: third Saturday of eachmonth (walk in), 9 a.m. to 1 p.m., M TA WesternOffice, 55 Bobala Road, Suite 3, Holyoke;413.535.2415, or at home, 413.566.3039.
LYNNFIELD — Mary Parry: third and fourth
Saturdays of each month (walk in), 9 a.m. to 1 p.m.,
M TA Northeast Office, 50 Salem St., Building B,
Lynnfield; 781.246.9779, or at home, 978.372.2031;
fax, 978.372.2035.
PI T TSFIELD — Ward F. Johnson: second
Saturday of each month (walk in), 9 a.m. to 1 p.m.,
M TA Berkshire Office, 188 East St., Pittsfield;
413.499.0257, or at home, 413.443.1722; e-mail:
RAYNHAM — Sandra Stephenson: third Saturday
of each month (walk in), 9 a.m. to 1 p.m., M TA
Southeast Office, 90 New State Highway (Rte. 44),
Raynham; 508.822.5371, or at home, 508.747.2234;
e-mail: firstname.lastname@example.com. Edward Nelson: fourth
Saturday of each month ( walk in), 9 a.m. to 1 p.m.,
M TA Southeast Office, 90 New State Highway
(Rte. 44), Raynham; 508.822.5371, or at home,
HIGHER EDUCATION AT-LARGE — Edward
McCourt, Massachusetts Bay Community
College, Wellesley; 781.239.2207; e-mail:
The M TA conducts retirement consultations throughout the state to assist
members. Proof of membership must be submitted when requesting retirement
services. This schedule is in effect from September to June, except in the
Boston office, which is staffed during the summer and school vacations.
The 13th Annual Authors' Institute
June 22–29 8: 30 a.m. – 3: 30 p.m.
Location: Ghosh Science and Technology
Center, Room 102
For registration information, contact:
The Office of Graduate & Continuing
Education at 508.929.8125
worcester.edu/AuthorInstitute 508.929.8125
Degree and certificate options in education include:
• Certificate of Advanced Graduate Study (CAGS)
• Master of Arts in Teaching (MAT)
• Master of Education (M.Ed.)
• Graduate-Level Certificates
• Post-Baccalaureate Certificates
Summer courses and 1- and 2-week
graduate institutes

subset: commoncrawl


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Buyer Representation
National Business Search offers buyer representation services for companies that wish to expand through acquisition. We work with the buyer to understand their goals, and establish search criteria parameters, including:
Industry segment
Geographic requirements
Corporate culture
Proprietary technology or services
Other desired features
If a company is serious abut pursuing acquisitions, retaining an intermediary such as National Business Search works best because of our systematic and intensive approach. In conjunction with in-depth industry research, and using the buyer's parameters, a large number of potential acquisition targets will be contacted. To an important extent, this is a numbers game, and the NBS-focused research approach helps to improve the rate and quality of response.
NBS will employ a carefully drafted individually addressed letter designed to obtain the prospect's full attention. The goal is to avoid the standard form letter. We accomplish this by being very specific about the buyer's criteria and being knowledgeable regarding the prospect's business. We follow up with each responding company, and will assist the buyer at all stages of the process.
All potential targets are contacted on a confidential basis.
To set up a free initial business valuation, please sign up here.
6650 Sunset Way, Suite 102
St. Pete Beach, FL 33706
© 2019 National Business Search, INC. | all rights reserved


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Our team at Mortgage Choice in Canning Vale & Cockburn
As your Mortgage Broker in Canning Vale & Cockburn, we have a genuine passion for property, finance and helping our customers reach their goals. We have put together an expert team to help you.
Your award winning team
Meet our team
Gina MacKichan
Owner Partner | Manager
Having been in the finance industry since the age of 16 when she started work at NAB, Gina has seen it all and has a passion to help people with their finances. She manages the team and the office to ensure that Mortgage Choice in Canning Vale deliver nothing short of excellent customer service to their customers.
"Finances are more than just about money. It's about identifying financial goals and getting help to achieve those goals. That's why I'm so passionate about finance, it's helping people live abundant lives."
Lance MacKichan
Owner Partner | Mortgage Broker
Lance has owned Mortgage Choice in Canning Vale & Cockburn for over 12 years, and has seen the change they can make in people's lives. He is passionate about making sure that his customers are matched with the right loan product for them, so much so, that it feels like it's been tailored to them.
"I know that we have some of the best lenders and loan products out there on our panel at Mortgage Choice. That's why I know that whether a customer is buying a property, investing in shares or starting a business, we can help them with the right finance option."
Connect with Lance on LinkedIn
Jenny Millar
Customer Service | Administration Assistant
Jenny is the in-house administration guru, and the team knows that if they need something done, they can ask Jenny. She does all the follow up on the loans and makes sure that the process is running smoothly for customers.


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Structure Of A Successful Music Website
Ideally each page of your website should serve a specific purpose.The main purpose of the sales page for your cd is to sell the cd.If have a page with Google Adsense, the main purpose is to generatemoney by to get people to click on the advertisement. If its notan important part of the process, don't load up the page withunnecessary things like animations or sounds. This will onlydistract visitors from achieving the task laid out for them,ie. buying your product.
Below are some ideas to include in your website and the mainpurpose of each.
1) Main Page
The main pages is a general landing page to funnel visitors todifferent areas of your site. Create a clear and easy navigationprocess linked to the other pages of your site. *If you useJavascript for navigation, place text link at the bottom. Thisensures that search engines will be able to spider your siteproperly. You could also use this page to feature your cd, musicsamples and other offers.
2) Order Page(s)
Create a sales letter for each item that your are selling.Tomorrow we'll go over some copywriting tips to build asuccessful order page.
3) Press Releases
This section is where visitors can read 3rd party articlespublished about you, increasing your credibility and exposure.
4) Contact InformationThis is so people can get a hold of you to book shows, askquestions about products, collaborations, interviews or otheropportunities (you never know). Include as much contactinformation as possible, like your phone, cell, mailing address,email etc.
5) Privacy Policy
Complies with privacy laws if your are collecting any ofinformation about your customers/visitors. This also helps tobuild trust and people will give their information more freely.Here's a link to a privacy policy generator.
6) Electronic Press Kit
This is where you refer the media to easily download aninformation package about you.
Here's some ideas on what you can include.*Biography*Demo Songs*Pictures*Reviews/Testimonials*Sideshow Of Photos*Video or Film Footage (Windows Media or Quicktime format)
Create a biography with pictures in .pdf format and make itavailable for download. You can use the Writer program containedin the free Open Office Suite http://www.openoffice.org to dothis. Open then program type (or paste) in your biography andinsert pictures. When your done go to File > Export As PDF.
7) Lyrics
Allows fans to get more familiar with your music. Also addscontent to your site which will get picked up by the searchengines if it has an incoming link form your main page orsomewhere else.
8) Biography
On your bio page sections fans read about you and see yourpictures. A sideshow of your photos sometimes adds a nice touch.
9) Concert Listings/News
Keep your fans and site visitors updated with the latest newsabout your concerts/shows, interviews, appearances ond othertopics of interest.
10) Forum
A discussion forum is a great place for you to interact with yourfans and street teams. An excellent free script to set up a forumis phpBB http://www.phpbb.com.
11) Blog
Blogging is a good way to syndicate your artist/band news andgenerate traffic for your site. Search engines love this kind ofstuff. Later on in the course I'll go a bit more in dept onsetting up a blog. A nice fully featured blogging script isWord Press http://www.wordpress.org
Make sure your each page of your site is cross browser functional,meaning it can be viewed properly by different web browser programs.Two of most popular ones are Internet Explorer and Firefox http://www.mozilla.org/products/firefox. Sometimes a site willshow up perfectly in IE but will be all out of whack when viewed inFirefox, or vise versa. Have both browsers installed and check outevery page.
Source: Free Articles from ArticlesFactory.com
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Free Articles Home | Register | Submit an Article | Links | Contact | Archive |


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Nov. 23, 2016
Good morning at this wonderful day *kisses*
Together with Julia talking about clothes Lees verder →
Nov. 15, 2016
Good morning everyone *Kiss* a new day with new worries *grins*
Philip come take a look
With a result that I lock are *chuckles*
Of course in a cell, together with Julia *licks her lips* Lees verder →
Aug. 26, 2016
Caugth by Philip Machhi
Enjoying of the sky
A relax moment in the dancing room
Leyre come dancing too
Aug. 12, 2016
Meghan wanted a couple hours longer bound in her subsuit of RF
"Probably Not" is his name… And yes "probably" is he caught by Karin!
Philip Macchi found me again today!
Bounded in my ropes for couple hours
Aug. 5, 2016
Philip Macchi was again in the near and the result is that I am bound for couple hours.


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I kind of half forgot about it until I recently stumbled upon it in the depth of my game development archives. I booted up the game and gave it a run. I was pleasantly surprised to find that the story is inspired and quite decent and contains interesting dramatic surprises. I actually had a blast going through the one hour of game time it provides so I decided to give it out to whoever would like to try it.
You MAY need to install the RTP (run time package) for the game to work properly.
Pro tip : Get your team up to level 10 before fighting the final boss. You will benefit from the best spells.
Let me know what you think!


text: BIG 5 LION TRAY$27.00 Size in cms: 10 x 9 Size in inches: 4 x 3.5 Contact us: E. email@example.com T. +254 721 762855, +254 733 969165 Your Name (required) Your Email (required) Product: Price(US$): Your Message Quantity Add to cart SKU: TR 48 Categories: Animal tracks, Big Five, Lion, Trays Reviews (0) Reviews There are no reviews yet. Be the first to review "BIG 5 LION TRAY" Cancel reply Your email address will not be published. Required fields are marked *Your rating Rate… Perfect Good Average Not that bad Very poor Your review *Name * Email * Related products Impala 2 track Tray $59.00 Tiger Tray $350.00 Impala Tray $28.00 Bush Buck Tray $15.00


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Best balm!
I love love love this lip balm. I bought it spur of the moment when I had to use up some of my points with a purchase. I have purchased other Supergoop products in the past and have never had an issue. This is super moisturizing without the sticky goopy or waxy residue like most balms. The light mint aftertaste is delightful as well. This is like Dr.Lipp's Nipple Balm's sister! Buy this product, you will not be disappointed.5


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The Funniest Cute Babies Reaction Videos Compilation 2018 – Baby Scared of Toys Compilation – Youtube
The channel needs money in order to continue : https://www.patreon.com/laughstreet
Have you thought about starting a Patreon page? You definitely should!
Every month, I get a regular source of income from supporters who've pledged to me through Patreon. Having their ongoing support means I spend less time thinking about business, and more time creating.
Also, if you use this invite to sign up and launch your Patreon page, we'll both earn bonuses as supporters pledge to you : https://patreon.com/invite/zjnbjk


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Toronto and York Region Pedestrian Accident Lawyer
Motor Vehicle Accidents involving pedestrians are frightening, dangerous and unfortunately, quite common, especially in urban centres such as Vaughan and Toronto. Ontario pedestrian accidents occur on roadways, crosswalks, intersections and often times in driveways and parking lots. The frequency of pedestrian accidents increases with poor weather and poor lighting conditions. Sadly, accidents involving pedestrians and cyclists often result in serious orthopaedic injuries, catastrophic injury or death in the case of a pedestrian fatality accident.
Ontario Drivers Owe Duty of Care to Pedestrians
In Ontario, motorists owe a duty of care to pedestrians. When a pedestrian is struck by a car or other motor vehicle in Ontario, there is a presumption of negligence against the driver of the motor vehicle. This reverse onus for pedestrian accidents is created by the Highway Traffic Act. As such, the driver and owner of the motor vehicle that strikes a pedestrian in Ontario will have the onus of proving that the loss or damage did not arise through the negligence or improper conduct of the owner/driver of the motor vehicle. Nonetheless, pedestrian motor vehicle accidents in Ontario are often vigorously defended. There are a number of reported cases where the owners and drivers have been successful in shifting blame to the pedestrian.
In accidents involving serious injuries or death due to pedestrian and motor vehicle collisions, it is extremely important to have the advice and counsel of an Ontario personal injury lawyer.
If you or a loved one has been involved in a pedestrian accident in Ontario, contact Pranzitelli Law Firm to speak with an Ontario lawyer. We offer prospective clients a free consultation with a personal injury lawyer. There is no obligation.


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|10 Larchmont, Newry
|Semi-detached House
|EPC Rating
|EPC Rating
This large double fronted semi-detached property is in a quiet cul de sac off the Armagh Road in Newry. An extension completed on the property has added a lounge area, utility and w.c. downstairs and a master bedroom with ensuite and walk in wardrobe upstairs.This location lends easy access to the main Dublin and Belfast carriageways. It is within walking distance of Secondary and Grammar schools and convenient to local primary schools.
Entrance Hall – PVC front door with glass panelling. Solid wood floor . Cloakroom. Mahogany staircase with carpeted stairs.
Living Room – 13'2 x 11'10 - Wooden Flooring. Bay window. Contemporary full wall length built in cupboard including display area, book case and storage. TV point. USB wall socket.
Lounge – 13'10 x 13'2 - Semi solid wooden flooring. Bay window. Built in mahogany floor to ceiling storage and display unit with TV stand. Open fire with back boiler, marble inset fireplace with mahogany surround.
Kitchen / Dining - 20'7 x 9'8 - Tiled flooring. Built in high and low units with display unit. Electric hob. Built in Neff oven. Fan extractor. Stainless steel sink unit. Integrated fridge and dishwasher. Directional lighting.
Utility – 9'7 x 8'2 - Tiled flooring. High and low units. Plumbed for washing machine. Directional lighting.
W.C – Tiled flooring. Low flush w.c., pedestal sink.
First Floor
Bedroom 1 – 16'1 x 11'5 - Located to front of dwelling. Laminated flooring. Recessed lighting. Walk in wardrobe.
Ensuite – Tiled walls and flooring. Pedestal sink, low flush w.c. Quadrant shower enclosure with Mira event electric shower. Built in shelf and towel rail.
Bathroom – 7'9 x 6'3 - Fully tiled floor and walls. Electric Redring Expressions 5005 shower. Bath with chrome telephone taps . Low flush w.c.pedestal sink. Hotpress.
Bedroom 2 – 10'3 x 10'1 - Located to rear of dwelling. Laminated flooring. Built in slide robes. Dimmer switch.
Bedroom 3 – 12'8 x 9'10 - Located to front of dwelling. Laminated flooring. Built in slide robes. Dimmer switch.
Bedroom 4 – 10'4 x 9'2 - Located to front of dwelling. Laminated flooring. Built in wardrobe storage.
Oil Fired Central heating.
Garden area to rear with vertical fencing.
Outside tap.
PVC Facia boarding
Outside lighting
Garage with roller garage door.


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Captives have over the years given up significant additional returns by not paying sufficient attention to the asset side of their balance sheets. David Ezekiel discusses some features relevant to their investment decisions.
Ask any captive owner, director or manager to name the most important item in their financial statements and the chances are that the overwhelming choice will be the loss reserve number. And they are probably right - loss reserves usually have a fair degree of subjectivity and uncertainty attached to them, and in many cases a 15%-20% deterioration in loss reserves can render a company insolvent or reduce its capital and surplus below the statutory minima. The use of actuaries to assess the loss reserves helps reduce the uncertainty, but in many high severity/low frequency classes, this process is as much art as it is science.All of this led to such a strong focus on the liability side of the balance sheet that quite often the asset side has remained almost an after-thought. Given, however, that the dominant component of the asset section is usually the investment portfolio, companies have over the years given up significant additional returns by not giving the asset side sufficient attention. This is changing fairly rapidly, and the following is a broad brush discussion of some factors affecting the investment decisions facing captives.
Increased returns always come with increased risk.
This is largely true, although there are many companies who can improve returns simply by increasing the maturities of their investments without changing quality. The yield curve usually provides higher returns for increased duration, and while this may increase the "volatility risk" of the portfolio, most companies can deal with this risk if they are protected from "loss of capital" risk.
Each company is different
There is no such thing as a "correct" asset allocation for all companies.
Some examples:
1. A company writing short-tail property risk may not be a suitable candidate for investing in equities or long-term fixed income instruments, whereas a company writing long-tail coverages (medical malpractice, general liability, etc) should use the long duration of its liabilities to generate additional returns on the asset side.
2. Investment decisions cannot be based solely on the size of the asset pool. For instance, a company with $30 million in assets and $10 million in free surplus is better placed to accept more investment risk than a similar company with $30 million in assets but only $3 million in free surplus. The company with the $10 million in surplus is able to withstand sustained periods where the portfolio value may be impaired, whereas the latter company has little margin for error.
"Ideal" asset allocations such as 70% bonds/30% equities, cannot, therefore, be assessed in a vacuum, but most take into account the liability duration of the company's loss reserves and its free surplus. The most important investment decision is the asset allocation decision. Too many companies spend an inordinate amount of time and money on manager selection and not enough on determining an appropriate allocation.
Depending on the asset class, the asset allocation decision will produce anywhere from 80%-95% of the eventual return with the remainder coming from the selection of particular stocks or securities. Manager selection, therefore, is usually given a lot more focus than it deserves - though having said that, it is one of the most interesting functions in the investment process!
Attempting to time the market, in terms of entry or exit, is not recommended. The key to successful investing is to establish one's long term goals and stick with them. Most investment decisions are based on historical returns, but these assume that one stays in the market long enough for historical patterns to repeat themselves.
Diversification usually reduces risk
This is true and sometimes applies even where one diversifies into a "riskier" class, as long as the new class is not strongly correlated to the existing one. A good example of this would have been in 1994 where a company with a 100% fixed income portfolio would not have had a good looking balance sheet at year end. Companies should, therefore, look for diversification into new asset classes and then within those classes. In fixed income, for example, one can invest in treasuries, gilts, corporates, asset-backed or high yield bonds. In equities, one can choose domestic, global, emerging market, growth, value and large or small cap, each of which will have a unique risk/reward profile.
There are, of course, other items to be considered in the investment decision-making. Good investment strategy requires a real commitment by the board of directors to the process, followed by a detailed look at the alternatives with the use of independent experts wherever applicable. Establishing a sound strategic approach, and then following it with discipline, usually produces the right result.
David Ezekiel is president and managing director of International Advisory Services Ltd. (IAS), an autonomous unit of Mutual Risk Management Group (MRM). He is a chartered accountant and holds a masters degree in business studies majoring in investment analysis. Mr Ezekiel is responsible for the strategic allocation of the invested assets of a number of IAS client companies. Tel: +1 441 295 3688 Fax: +1 441 295 2584 E-mail: firstname.lastname@example.com


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'Five Years Pregnant' PSA Shines a Light on the Lack of Paid Family Leave in the U.S.
Lifestyle| | By Brian Delpozo
The National Partnership for Woman and Families released a satirical new public service announcement that brings attention to the lack of paid family leave for new parents in the United States.
The clip, narrated by actress Sofia Bush, follows the story of Lauren, a pregnant paralegal working at a law firm in Denver, Colorado. Since both Lauren and her husband do not have guaranteed paid family leave — nor can they afford to take time off from work — Lauren is forced to remain pregnant as she accumulates vacation days. The amount of time that it takes her? Five years.
While the visuals of an absurdly pregnant Lauren are comical, the message behind the commercial is quite serious. According to the Pew Research Center, of 41 developed nations, the United States is the only country not to guarantee paid family leave. This means that new mothers and fathers often struggle with balancing recovery and acclimation to parenthood with the financial obligation to return to work or risk losing their income.
The video's description notes the issue behind it, saying, "It's absurd that most U.S. workers – 86 percent – don't have paid family leave through their employers. And only some are lucky enough to live in the four states that have paid family and medical leave laws. But we can change this."


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Sign up for news
November 2019
Sussex makers 2019
*21 September* and the final day will
be on* Saturday 21st December 2019*. Meet the artists event on
Saturday *16 December between 1030 and 1230*.
Present work
Current work includes slipcast porcelain with a matt white kinetic glaze combined with vibrant colours form my workshop in Angmering. Most recently I am using oxides and stains to add a dimension of colour and surface variation.
Ceramic Artistry production has moved from the former Worthing Art Studios, and had a successful and popular opening in West Worthing for the Worthing Artists Open Houses (WAOH) July/June 2017 and more recently at Collonade House, a creative hub in Worthing.
I am returning to throwing functional ware, an order making a set of functional plates, cups and bowls to match the pieces in the 'reed' design.
I have also delivered my first order for an urn for ashes. This adds a new direction to the function and purpose of pottery.
Private tuition and staff training available, use the form below


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Everyday I travel by bus, people young and old, filled with their stories to tell. Each one deserves to be heard, as to not stop and listen may mean never meeting that new partner or friend, to give hope to a strange that feels that nobody cares about them, or maybe a favourite teacher who's teaching years past lay the foundations of today.
Sat beside me is a little girl of around seven. Her hair is blonde like Cinderella, and falls all over her face like a waterfall. It is her pink shoes that draw my eyes as have a name all over them, not a designer one I recognise. I discover Rachel herself did the writing. From then on she became Princess Rachel of the pink sandals.
Behind us are two older ladies talking of all the South Edinburgh gossip they know. Did Elizabeth know that Simon's wife just gave birth to twins, no Margaret did not but she had heard the sad news that Nancy had died. They both remark on what a lovely lady Nancy was and recall one time at the Assembly Rooms they all went dancing.
It is now tourist season, so at the very front are the tourists sitting with at least two maps of the city centre that do not show where they are now. Frantically checking with guide books and mobile phones, where they are and where do they get off they cry! As if by magic five strangers ask them at once can they help and where are they going.
A group of three school boys sit to my right. Each eagerly showing off their knowledge of football, which seems far greater than any pundits' script I have ever heard on television. One knowing that it was some Ukrainian, with an unpronounceable name, had now scored twenty four times this season for some obscure sounding Spanish team.
A girl with the fake tan, yes the older ladies noticed her too, talking loudly on her phone to her friend Stacey that she is on the bus now. It is not just the fake tan and shouting making the ladies tut, but her fake eyelashes and nails, and less clothing on than most of us wear at bed times. I can only say for me she is brave to do so in this climate.
Three seats down are two men singing, it would not be an Edinburgh bus journey without a drunk or two. Like all storytellers of days now long gone, they sing their sad laments, including the wife of one who ran off with their mate and taking the kids with her, and another wishing they were both still young in body as well as in their hearts and minds.
There is a lady of around my age who I meet eyes with as I go to ring the bell to depart. The empath in me reads her face like it is screaming out in hidden tears and pain. I send her a smile, to give her hope, and send light to shine wherever darkness or pain is hurting so. Sadly, I get an unwanted grimace not a smile back. Still cannot help everyone.
Now it is time for me to depart from what is but a snapshot of life in this city and it's people. A journey filled with stories, people and events that will never be repeated the same way again; this is a bus not a time machine. Their stories may get repeated in years to come or forgotten in the mists of time, but that moment was shared by each of us.
© Fi S. J. Brown


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All the major public universities in the country are now reeling under the shortage of teaching staff as they compete for a shrinking pool of young talent, at a time when policymakers have tightened qualification requirements into the teaching field.
The National Council for Tertiary Education (NCTE) has found that the 2,676 academic staff in all the eight public universities is inadequate to teach and supervise the academic work of more than 128,326 students. The situation, they observed, is affecting the quality of education amidst concerns that teachers are being asked to do more work for less reward — pushing down the attractiveness of school-level teaching as a career.
B&FT analysis of data provided by the National Council for Tertiary Education indicates that of the total academic staff in the universities, 317 are professors/associate professors while 514 are senior lecturers, with 1,490 and 354 being lecturers and assistant lecturers respectively. According to the data, this does not take into account the academic staff strength of KNUST; only one person is classified as a tutor in all the other public universities.
The ratio of academic population to the student population is six times more the required internationally acceptable student-to-teacher ratio in all disciplines.
For instance, student-to-teacher ratio in business programmes currently stands at 161:1, which is against the normal standard of 27:1. Also, medicine, which is supposed to be 12:1, is now at 30:1 and such abnormal proportions run through all the other courses such as applied sciences, engineering, humanities, science, presenting a major issue of concern to policymakers.
Professor Joshua Yindenaba Abor, Dean of the University of Ghana Business School, explained to the B&FT that the gap in student-teacher ratio is the result of high demand for tertiary education, especially for business education, which has increased the number of students in the university with few lecturers to meet the demand.
In addition, he said, universities are cutting down cost of how much they spend, as well as the government freeze on public university recruitment.
"There are also few people who qualify to teach at the university level, because to lecture at the university demands the minimum requirement of a doctorate. And there are not many people with such qualification as compared to the number of student that apply for university education," he said.
Mr. Perry Ofosu, the Registrar at the Ghana Institute of Journalism (GIJ), added that there are currently few people with doctorate degree in communication studies in the country, which has forced the institute to sponsor more lecturers to undertake doctorate programmes to enable the institute have the required teaching staff.
"There is difficulty in recruiting MPhil holders because NCTE does not allow them to lecture; and even if you take them, within 3 years they need to start their doctorate and we don't have PhD programmes in communication studies in Ghana.
"It is one of the reasons why we introduced Master degrees to train our own people and then sponsor them to do their doctorate and fill those gaps."
Currently, the teaching requirement for every university per standards of the NCTE is a doctorate degree, and all the public universities' lecturers have been instructed to upgrade their qualification to a minimum of doctorate degree within the next five years.
Experts believe a major factor with regard to improving the quality of education in the country is the student-teacher ratio, and in a country where 30 percent of the total budget in 2015 went to finance the education sector, it is expected that infrastructure and other necessities such as teaching staff would be improved to meet the standard of quality education.
An amount of GH?6.7billion was allocated to the Ministry of Education out of a total amount GH?41.2billion budget for the year 2015.
It is estimated that with a global average of about 5 percent, Ghana spends over 6 percent of its Gross Domestic Product (GDP) on education. Ghana has one of the highest expenditures on education as a proportion of GDP compared to other countries.
In general, enrolment in university has accelerated since the 1990s when there were only government-owned institutions. The number of people enrolled in university — including public and private — stood at 183,687 in 2012/13, with public universities accounting for 70 percent of all students. In 1990/91 there were barely 10,000 people attending university in Ghana.
This means that the demand for higher education in the country has increased tremendously, and for teaching staff to meet the demand experts believe universities must start sponsoring people to attain the qualification requirement and thus enable more people to lecture in those institutions.
Source : B&FT


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BENEFITING: Crohn's & Colitis Foundation
EVENT DATE: Jun 09, 2013
My Story
My name is Paul Lachman and I am a sophomore at Mountain Lakes High School. I row for the Mountain Lakes Rowing Club, based in Lake Hopatcong, New Jersey. I compete in a Mens Varsity Lightweight 8 boat. On May 11th, 2013, our boat qualified for Nationals by .003 of a second. This is quite an achievement, considering 2 of the 8 rowers are affected by IBD (Inflammatory Bowel Disease).
What is IBD?
IBD includes Crohn's Disease and Ulcerative Colitis. Crohns and UC are both lifelong diseases and are both genetic. Symptoms include constant cramping, stomach aches, diarrhea, so on and so forth. They are both auto-immune disease, so basically our immune systems are attacking ourselves. Scientists practically have no idea what causes it, and there is much to be discovered. There is no cure, but there are treatments. I, for one, am on Remicade, a bimonthly infusion treatment where I have to go into the hospital for about 3 hours with the medicine being pumped into my blood via IV. This medicine supresses my immune system, making it easier to contract other ailments.
Since the US Rowing National Championships is such a public event, I thought this would be a terrific platform to raise money and fight against IBD. Each donation will sponsor 20 meters of our final race at the National Championships in Tennessee. As far as donations go, I aim to raise 10000$. Therefore, I ask for about a minimum of 20$ per sponsorship ($1 per meter), but ANYTHING HELPS. Lets conquer Crohns and Colitis one stroke at a time.
All proceeds will benefit the Crohns and Colitis Foundation of America.
The Team: $10,655 TOTAL RAISED SO FARJOIN THE TEAM
Donor Comments
Rowing Takes Guts! Thrilled to give to such a well deserving cause. We are very impressed that Paul took the initiative to create this amazing fundraiser! 7 years ago
Anth, Karen & fam!
Paul!! Row, row, row your boat...rowing for the cure! Hope we're not too late for the team--cheers! 7 years ago


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I like getting messages about Rumour Has It kids or grand kids. I recently got a message that Rumour Mill sired the res. grand at the South Dakota State Fair. Rumour Mill is owned by Peterson Livestock and was purchased in aour April Fool's Day sale in 2014. Congrats! Blood Pressure also sired a res. div. wether at the Kansas State Fair. These young bucks are getting it done. Congrats toRead More
I like to judge livestock. I like to look, compare, evaluate and run reasons through my head or out loud. I then bid, buy, agree or disagree with those that are looking at the same stock that I am. Regardless of species, I like to look at good stock. Which brings us to this evenings 2016 Miss America pageant. Normally, I could give 2 squirts of goose crap aboutRead More
Congratulations are in order for the Foraker family in Kansas. They have been real tough in the goat and sheep barn. They have hung banners and are still striving to hang more. They didn't have they day that they hoped for, but they did have a day that will be hard to replicate. To start this day at the Kansas State Fair, Kaci Foraker showed the res. div. 3 wether goat. This wasRead More
It is a common question that I hear, "How do you come up with blog topics?" Here is my reply. It isn't hard coming up with topics. They surround us on a daily basis. The hard part is finding the desire to sit down and put thought to paper (or keyboard). I have some moods that aren't conducive to writing. I have some moods that mean that I should not be allowed around…well,Read More
I need to go buy a lottery ticket as today has been my lucky day. How lucky you ask? Late one night this weekend, the Dragon Lady asked me, "Is the A/C making a funny sound? Do you hear that?" Unfortunately, the answers were YES and YES. Well, it made it through the big Labor Day weekend. All the way to about 2:03 am on Monday morning and then I heard theRead More
Wow! What a weekend! It was a good weekend, but I am glad it is over. These events take a lot of effort to setup, handle and then the cleanup. We had a large crowd at the house Sunday evening. A large time with lots of really good food. There were piles of crustacean carcasses left from the shrimp and crawdads. Several people got to try Duke's purple taters for the first time.Read More
I'm just a little bit giddy on this fine Friday evening. I'm not talking all stupid giggly kind of giddy. But there is dang sure a bounce in my step and an up beat attitude. Things just seem a little better right now. Why, you ask? I will gladly tell you. I was going to head south to the little Fiesta deal in Angelo. Coudn't do it. Just too many ironsRead More
Some of this ought to just be deleted. However, most of it is legit. First off–Bob Seger might be the most underated well-known musician. That dude and his Silver Bullet Band has a catalog of wicked good music. Yeah, it's rock, but it ain't hard, just really, really, really good. I mean really good. Kind of like Credence or Skynyrd. You can feel it. His music has been used inRead More
One week from now, we will be eating shrimp, crawdads and the rest of some crazy cajun cooking. More importantly, the favorite daughter will be home. Can't wait. The favorite son wants to prove that he is now the tallest sibling–not much of a contest at this point. It has been a good weekend. The garden is still producing, which means that Tammy is still cooking and Duke and I areRead More
Last night, I sat down at this keyboard and wrote, what I thought, was a pretty nice blog post about feeding livestock. Then, I made the mistake of clicking over to the STD. Yep, I went over and checked the Socially Transmitted Disease know as facebook. And WHACK! I get hit in the eyeballs with an icepick of a picture that wasn't quite right. Now, when my wife and daughter helped me setupRead More


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KMN 100% Natural Chilli Enzyme Gel Contour Body Wrap 200ml
KMN 100% Natural Chilli Enzyme Gel Contour Body Wrap 200ml
KMN 100% Natural Chilli Enzyme Gel Contour Body Wrap 200ml
Loaded with 100% Natural Ingredients, this massage gel contour body wrap is excellent to aid in treating cellulite and inch loss. You can use this as part of step 2 of our inch loss body wrap system, or as a stand alone Body Wrap. For best results leave on for 1 hour. This can be part of a professional system body wrap.
- Aids inch loss
- Treats Cellulite
- Tightens and Tones
- No parabens
- No Sulphates
Not tested on animals, made in the UK. Suitable for Vegans and Vegetarians.
KMN 100% Natural Chilli Enzyme Gel Contour Body Wrap 200ml Ingredients
Organic Aloe Vera Leaf Extract - Calms and protects the skin, whilst boosting natural moisture and vitality. AHA Fruit acid - Perfect for treating skin that is wrinkled and aged by sunlight. Promotes skin radiance. Lactic acid - Lactic acid is one of the most popular alpha hydroxy acids (AHAs) in skin care today. Papaya extract - Papaya has skin lightening properties that help clear blemishes and pigmentation. CO-Enzyme Q10 - It energizes your skin helping it to repair damage and ensure skin cells are healthy. Essential oils of lime, eucalyptus, grapefruit, sweet orange, lemongrass, cypress and fennel - Boosts skin circulation, tightens pores and reduces inflammation. Coffee Extracts - Loaded with antioxidants, coffee boosts cell turnover in skin, reduces swelling and tightens and tones the skins appearance. Organic Cucumber extract - Cucumber extract is a superfood for skin. Melon extract - Contains a healthy amount of vitamin A and C, potassium and magnesium that the skin loves. Chilli essential oil - Boosts skin tone, circulation and tissue structure.


text: crackaddict 376 Posted February 19 I was reading the translations of this novel but haven't caught any episodes. Hearing that Drama RY is sassy must mean that the drama is very VERY loosely based on the novel. Novel RY was extremely beautiful but outwardly very aloof. I'm guessing there are no subs yet? 1 Quote Share this post Link to post Share on other sites


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Associate/Full Professor and Chair, Department of Communication Arts
This position is no longer open.
School of Arts and Sciences
Department: Communication Arts
Campus: Beirut and Byblos
Vacancy date: Fall 2015
The School of Arts & Sciences at the Lebanese American University invites applications for the position of Chair of the Department of Communication Arts, to begin in September 2015. The School operates on two campuses in Beirut and Byblos. The Chair is located in Beirut, reports to the Dean of the School of Arts & Sciences and is responsible for the management of the whole department, which includes faculty teaching in Communication Arts and a relatively large supporting staff.
Prospective applicants must be at the associate professor rank (or above); and must possess a Doctoral or Terminal degree in media, TV/Film, journalism, or performing arts; and a strong record of academic leadership at a reputable institution of higher learning, scholarship and professional experience. S/he is expected to lead the Department's efforts in developing and implementing four new BA programs in Cinematic Art (television, film), Corporate Communication, Journalism and Performing Arts. The ideal candidate should demonstrate leadership and communication skills, a record of administrative experience, in addition to teaching and research.
The Chairmanship is a 3-year term, renewable upon mutual satisfaction and with the support of the faculty. In the event of non-renewal of the Chair position, the candidate would return to the rank s/he is hired at; and teach the regular load at that rank. The Chair carries a 12 credit/year teaching load.
The Department of Communication Arts (http://sas.lau.edu.lb/communication-arts/programs/) is one of the seven departments of the School of Arts and Sciences (http://sas.lau.edu.lb/). It currently offers a BA in Communication Arts, the Department's flagship program, which has three emphases: Journalism, Radio/TV/Film, and Theater. It houses an up-to-date television/film studio, two prominent and well-equipped theaters (Irwin and Gulbenkian) in Beirut and (Selina Kurban) in Byblos. The three offer venues for stage performances, concerts, dance shows, film screenings, theatre workshops, and special events. The department produces two major theatre productions every year and around 25 student productions.
LAU has two campuses, one in Beirut and the other in Byblos, about 35 kilometers north of Beirut. LAU is an Equal Opportunity Employer operating in Lebanon under a charter from the Regents of the State University of New York, and is accredited by the Commission on Institutions of Higher Education of the New England Association of Schools and Colleges (CIHE-NEASC). There are currently over 8,000 enrolled students at LAU.
HOW TO APPLY: Prospective candidates should apply electronically by submitting a two-page pedagogical statement, a CV that includes the names, emails and phone numbers of four references, and a Digital Portfolio that includes a selection of their personal work, teaching work, and publications, not to exceed 25 pages. Applications should be sent by email to: Assistant Provost for Academic Affairs, Email: email@example.com. Candidates must refer to position no. AS-15-2. Alternatively, candidates may send the application material by regular mail to one of the following addresses:
Assistant Provost for Academic Affairs
Provost Office
Lebanese American University
P. O. Box 13-5053, Chouran 1102 2801
Assistant Provost for Academic Affairs
Provost Office
Lebanese American University
211 East 46th Street
New York, NY 10017-2935
Applications Deadline: until position is filled.


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Property Details
13074 15 AVENUE, South Surrey White Rock, BC, V4A 1K7, Canada
Crescent Bch Ocean Pk.
Stunning Ocean Park custom built home by Padwood Homes. This beautiful 4 bedroom home is nestled on a quite street with a treed southern backdrop making it a picture perfect setting. It exudes quality craftsmanship with a wonderful layout that features a vaulted great room that's open to a massive gourmet kitchen, a large center island, stone counters, radiant heating & hardwood floors. BONUS on the main level, it features a private office and games room. A large dinning area with French doors that open on to a covered patio oasis, featuring a fireplace for your year round enjoyment. This one of a kind home is steps to Ocean Park Village and minutes to 1001 steps & beach. Bonus RV parking.
Listing Provided By
Macdonald Realty (Surrey/152)
Copyright and Disclaimer
The data relating to real estate on this web site comes in part from the MLS Reciprocity program of the Real Estate Board of Greater Vancouver or the Fraser Valley Real Estate Board. Real estate listings held by participating real estate firms are marked with the MLSR logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by the Real Estate Board of Greater Vancouver or the Fraser Valley Real Estate Board which assumes no responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of the Real Estate Board of Greater Vancouver or the Fraser Valley Real Estate Board. Copyright 2019 by the Real Estate Board of Greater Vancouver, Fraser Valley Real Estate Board, Chilliwack and District Real Estate Board, BC Northern Real Estate Board, and Kootenay Real Estate Board. All Rights Reserved.
- Phone:
- Fax:
- Email:
- John Punzo
- firstname.lastname@example.com
- Macdonald Realty
- 100-2429 152 Street
- South Surrey, BC


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We at Active Plumbing take great pride in ourselves for having the solutions on every leaking pipe situation. Our business is surrounded by professional plumbers who have the required experience, knowledge, skills and the right set of tools to take on any kind of leaking pipe repair. We can repair, replace and install:
• Polyethylene Pipes
• Galvanised Pipes
• PVC Pipes
• Polybutylene Pipes
• Copper Pipes
• Leaking Brass Fittings
A leaking pipe is one of those problems on your property that needs immediate attention. If left behind, a small leak could worsen in just minutes and damage the rest of your property. The moment you detect any leaking pipe in your property, call Active Plumbing as soon as possible for fast assistance. We always have vans on standby equipped with a vast range of spare parts and piping materials, and they are ready to go to your place when you need a leaking pipe repaired by licensed professionals. We can bring your home or commercial property back to normal operation on the same day.
Finding The Source of A Leaking Pipe
Active Plumbing can help you any time of the day on your leaking pipe and provide the best leaking pipe repair. Not sure where it is leaking? We have the extensive knowledge to locate any leaks, may it be underground or behind your walls. Whether you need an emergency fix for your leaking pipe or water pipe leak repair, we just a call away. Our professional team of licensed plumbers can also do safety inspection and report of your pipework to prevent irreversible damage due to leaking pipes.
Don't Ignore A Leaking Pipe
Burst pipes can be a severe problem if ignored. They can cause damage to your property and result in expensive repairs. Some burst pipes are difficult to detect, but with our experience, knowledge and tools, we can quickly locate the source of the concealed leak whether underground or behind walls. Undetected burst pipes can lead to the increased water bills and extensive property damage even over short periods. They can destroy existing floorboards, flood common areas and damage walls. Our pipe services also include:
• Gas pipe repairs
• Gas leaks
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• Pipe joining
• Hammer problem solutions
• Moving pipes for renovations
For more details, speak to our friendly team or use our quick online booking form today. Phone 1300 65 1965
Suburbs we service:
Bellfield, Briar Hill, Bundoora, Greenwood Village, Janefield, Larundel, Eaglemont, Eltham, Eltham North, Greensborough, Apollo Parkways, Grace Park, Green Hills, Heidelberg, Heidelberg Heights, Heidelberg North, Heidelberg West, Ivanhoe, Darebin, Fairy Hills, Ivanhoe North, Ivanhoe East, Lower Plenty, Macleod, Mont Park, Macleod West, Montmorency, Rosanna, Banyule, St Helena, Viewbank, Rosanna East, Watsonia, Watsonia North, Yallambie


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The Burden of Workers Comp Insurance for the Little Guys
Many small business owners have a difficult time purchasing workers comp insurance coverage per their states regulations. For some, it's just too expensive; for others, the job to be insured is too dangerous. As an insurance agent, it's your responsibility to match the policy to the client, so work with a wholesaler that has the ability to handle small accounts just as effectively as large ones.
Small Account Issues
Some reasons why small business owners find getting workers compensation coverage tough is because many insurance companies are only interested in larger clients. Corporations mean money, and the small enterprise might find itself being rejected due to its lesser needs.
Another issue is your client's niche. If you're looking to secure workers comp insurance for a business office, you probably wont have too much trouble. If your client specializes in demolition, well, you're going to be more hard-pressed to find a suitable carrier willing to take on the risk.
Variety Is the Spice of Insurance
In order to cater to the specialized needs of small business owners, you should work with a wholesaler that has a strong presence in the insurance industry. Even if your client does work in demolition, a wholesaler that knows several workers comp insurance markets can secure the policy you need, alongside educating your clients in OSHA regulations and safety.


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In some (running) may require to bring down a layer of plaster or remove it altogether. To investigate the depth of destruction can drill a few holes in the areas of maximum exposure. As 'Finish' the fungus? After all the preparatory steps should take advantage of special drugs, after consulting with experts. Fortunately, the good of today there are countless: various penetrating primer, impregnation, etc. The only condition is no choice at all biocidal products, and are designed for specific surfaces such as wood, plaster, brick and concrete. For example, the Finnish producers are leaders in production of biocides for wood. To read more click here: Gary Kelly.
You can use such a popular and effective tool for the Finnish as "Homeenpoyste" – it contains chlorine, which can effectively to resist the bacteria. German biocidal products intended primarily for mineral surfaces. But there are universal fluid – that is, for all occasions. The same Finns and the Germans produced a range of colors and preservatives, allowing mold to rebuff. Many in the market of biocidal products Russia, which is popular because the price it slightly lower than the ask manufacturers abroad. Is on sale and production of Ukrainian manufacturers, for example, means "Biodoktor" for zaschity dpeveciny and minepalnyx povepxnoctey, 19 nA icpytannoe vidax gpibkov and poluchivshee vycokuyu otsenku. When choosing sure to pay attention the appointment of funds. Import tools are recommended to deal with mold, are often designed only to prevent its occurrence.
The cost of biocidal impregnation and priming different – from 25 to 140 hryvnia per liter. Use by any means simply because they are already sold as a finished product in hermetically sealed containers of 3-5 liters. Apply the product with a brush or roller, according to the instructions. In particularly difficult cases, we have applied a means 2.3 times, maintaining an interval of several days – to complete drying of the previous layer. When you work necessary to use protective goggles, gloves, face guard, and other exposed skin from getting to them means. After treatment biocides surface ready for subsequent finishing (coating). If mold is already firmly lodged in your home, you should probably contact the experts (this issue deals with sanepidemstantsiya). By the way, developed countries do not recommend themselves to deal with microbiological contamination if the area of surface area of more than 90 cm2. Yuri Fedorchenko '> How to get rid of damp walls


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Program Description
The York Business School MBA Innovation, Leadership, and Consulting is a dynamic programme that focuses on developing practical skills that will enable you to lead change in your organization, develop skills as an entrepreneur and deliver innovation. The programme is designed to develop tools and leadership skills needed to successfully manage innovation projects and programmes and acquire skills in a wide range of creativity and innovation processes and techniques. This programme will be of interest to you if you are a career professional who wishes to develop your skills in leading innovation and change, or you are currently supporting innovation and change in the workplace or in the community.
The overall aim of the programme is to enable you to develop your critical understanding of the issues relating to leading innovation and change and consulting, so that you may enhance your leadership skills to develop sustainable individual and organizational potential. The programme brings together relevant contemporary academic theory and research with a practical understanding of activities within organizations. You will explore issues that have a significant impact on organizations by working with others and building on both their experiences and your own.
The programme provides opportunities for you to work with other leaders and potential leaders of innovation and change. This will be developed by enabling you to share knowledge, relate this to theories developed from relevant research, and learning by practical application.
Much of the learning is developed through the establishment of collaborative learning communities of programme participants and tutors – and you will become part of that community of learning. Your understanding is developed around the key skills, processes, and practices of leadership, innovation and consulting. Solutions to real problems are suggested, discussed and analyzed within the learning community with the support of tutors and fellow learners.
The programme is international in its design and engages with themes on an international basis. Many different cultural contexts are utilized to help provide the setting for discussions. This programme provides opportunities to grow global networks both virtually and also through the residential activity that creates an environment for cross-cultural peer to peer learning.
On completion of the programme, you will be able to critically evaluate a range of theories and models relating to organizations, leadership, innovation and change, and consulting and apply these to real-life situations in order to inform your decision making. The network that you will develop over the duration of the programme often continues to be a supportive and strong community of practice post-graduation.
Most of the programme is delivered online, but you must attend a 5 day residential in either York or Zürich as part of the Capstone Project module. This is an excellent opportunity to network with fellow professionals, share learning and understanding, and build global relationships, alongside learning about how to conduct academic research to support you in the completion of your capstone project.
Minimum 12 months, maximum 3 years.
Delivery Method
Mostly online via OnlineCampus (an interactive online learning environment) with intensive class discussion and collaboration, plus a one-week compulsory residency. The residency is held at two locations, Robert Kennedy College in Zürich and at York St John University in York, both taught by York St John University faculty.
The number of places per term is strictly limited to 60.
Four terms per year (winter, spring, summer, and autumn).
Tuition Fees
13,000 CHF (Swiss Francs). This fee includes library access, OnlineCampus access, graduation fees, and University matriculation fees. Fees are payable in interest-free installments. The fees are for the entire programme and include all the courses as well as supervision for the final dissertation. Residency costs, such as airfare and accommodation, plus a 2,000 CHF (Swiss Francs) tuition fee for the residency, and some of the textbooks that you will need for the course are not included in these fees.
Accreditation and Recognition
This programme is offered in exclusive partnership with York St John University. After successfully completing your studies at Robert Kennedy College, you will receive a degree from York St John University which is duly accredited by the British Government. York St John University degrees are recognized worldwide.
You may verify our exclusive partnership with York St John University here.
About the School
Our mission is to provide academic excellence in distance education for students worldwide, through application of leading-edge technologies. Robert Kennedy College is a private educational institutio ... Read More


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Thank you for your interest in the MS Program!
To learn more about Parks, Recreation, and Tourism graduate studies at the University of Utah, please refer to the PRT Graduate Bulletin and the Master's Handbook (see GRADUATE STUDENT RESOURCES at the bottom).
Graduate Assistantships
Each year, we offer a limited amount of graduate assistantships to MS students. All applicants are assumed to desire funding and are matched with these positions through the admission process.
Each assistantship requires 20 hours of work a week for 9 months and includes a monthly stipend, tuition/fee waiver, and subsidized health insurance. Please visit The Graduate School for details on fellowships and benefits.
Western Regional Graduate Program
Residents of Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Washington, and Wyoming are eligible to enroll in our program and pay resident tuition rates through WICHE (Western Interstate Commission for Higher Education). Learn more about how to receive resident tuition through WICHE or contact graduate admissions at (801) 581-7283.
Applying to the MS Degree Program
- Students must have an earned a bachelor's degree with an undergraduate GPA of 3.0 or higher for the final two years of undergraduate work. Students with degrees not in Parks, Recreation, and Tourism are encouraged to apply. Those students without prior degrees in Parks, Recreation, and Tourism will enroll in content awareness classes.
- Three letters of recommendation (reference requests are made from The Graduate School's application portal, see below).
- Resume indicating background and experience.
- For international applicants, performance on TOEFL meeting the requirement of The Graduate School.
- Entrance examination (written composition of approximately 10 pages). Please prepare an original composition, not to exceed ten pages, on a specific topic related to parks, recreation, and tourism studies that is of special interest to you. The composition must be uniquely composed for this exam. Term papers, employment-related reports, etc. are not appropriate. Be certain to focus on a single topic and include citations for any references that you use. The composition should provide faculty with insight into one of your interests in parks, recreation, and tourism studies and it should enable you to demonstrate your ability to organize and integrate ideas and communicate in written form. Graduate faculty in Parks, Recreation, and Tourism within the Department of Health, Kinesiology, and Recreation will examine your paper for clarity and grammatical construction, organization and focus of ideas, effectiveness of transitions between major themes and ideas, validity and soundness of reasoning, and quality of evidence you provide in support of your positions. As such, you are writing an argument, not a descriptive work. Results of the evaluation of your paper will be used by graduate faculty in making a recommendation to the Graduate School concerning your admission or non-admission to graduate studies in Parks, Recreation, and Tourism. Please download the Master's Program Examination Form and attach it as a cover sheet for your paper.
- Graduate school application, fee, and official transcripts.
- Scores of 155 Verbal and 145 Quantitative on the GRE. Comparable scores on alternate graduate exams may be acceptable (e.g., GMAT).
- All materials can be submitted electronically to The Graduate School's Application Portal.
Application Materials Due Date
Students seeking Fall admission to the MS program should complete their graduate applications by March 1.
International applicants are encouraged to allow additional time for the application process. Please note: The international student applicant pool is highly competitive, and most successful applicants have arranged for faculty sponsorship prior to completing their applications.
Graduate Student Resources
Graduate Advising
Dr. Dorothy Schmalz
Director of Graduate Studies
Phone: 801-581-8080
Email: email@example.com