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Sponsored Content: Roles, Strategies, Models and Metrics
On April 30, we hosted a chat on sponsored content with pros from The New York Times, The American Press Institute and more.
As this NOLA13 Presentation - Sponsored Content in College Media demonstrated, even college newspapers are moving into the sponsored content space.by Stephen Zorio via YouTube 4/24/2014 2:50:41 PM
Business Insider has embraced the notion of sponsored content. The site makes a point of labeling its sponsored posts and even goes so far as to provide readers with an explanation as to what qualifies and how it works. (Image Source)by stephen.zorio
While the FTC's 2013 hearing "resulted in no singular conclusion or recommendation, the two main points, which we also emphasize in our white paper, are that transparency and disclosure were important." -- Millie Train, API (Image source)by stephen.zorio
This is tough. The workshop back in December resulted in more questions than answers. But I do believe the FTC is within reason to try to help readers not be deceived by advertisers. BUT I think the better way would be for publishers and advertisers to encode a set of standards and processes for handling sponsored content themselves -- which is easier said than done.
I think the FTC has the responsibility to regulate it in lhe same way they've required bloggers to disclose relationships they have with the companies they blog about. TV shows and Movies list product placement (although in tiny type).
Right, I think what Rex is talking about the ethics of disclosure and transparency. The resounding consensus we heard from our summit participants was that upholding the publisher's own brand and integrity and its readers trust is one of the most important principles. After all, the brands are seeking the publisher's audiences and authority/integrity/brand.
What do you consider an acceptable level of notification when it comes to flagging sponsored content? What creative treatments do you use to distinguish it?
We have a specific "paid post" frame you will see on all of our sponsored content pages.
It has a distinct color to it and also includes the advertiser's logo.
Millie - it's not mere ethics...the FTC has guidelines related to bloggers. But I agree with you, I think media that want to be regarded with any degree of respect, it's a matter of ethics...and serving, rather than abusing, the reader/user/viewer.
Agreed. It's about a commitment to quality content production. Just because it's sponsored or underwritten by advertisers doesn't mean it has to be deceiving, malicious or poorly constructed. In fact, I would argue that those stories commissioned by advertisers actually should be produced with the same rigor and commitment to the craft that newsrooms across the country have been practicing for hundreds of years. Ultimately, it's a win-win for the consumer and the brand.
We also include the following language: This page was produced by the Advertising Department of The New York Times in collaboration with XYZ brand. The news and editorial staffs of The New York Times had no role in its preparation.
Also, The American Society of Magazine Editors recently released new editorial guidelines that include rules for sponsored content, based in part on the Atlantic and the New Yorker as models. Its basic overall principles are:
- Every reader is entitled to fair and accurate news and information
- The value of magazines to advertisers depends on reader trust
- The difference between editorial content and marketing messages must be transparent
- Editorial integrity must not be compromised by advertiser influence
As someone who has created content for brands, associations, companies for 3 decades, the quality of information is enhanced when full disclosure exists. Great content works no matter what the label. Hype fails no matter where it appears.
To add one more thing to what Rex said, something that Kimberly Law, GM of the Atlantic said, that I loved, was that her rule of thumb is that the content should be so useful and accurate that the reader wouldn't care whether it was sponsored or not. If the reader would be upset to learn after reading that this content was sponsored, then somewhere you've crossed a line.
That's a great point, Millie.
Ad Age took a look at the sponsored content teams at four different publications, including BuzzFeed, where a "a creative-services department of 40 ... produce content for advertisers and consult on how to write stories in the BuzzFeed vein."
Thanks Kaylee! And sorry, that's Kimberly Lau*
Now that we have some sense of what sponsored content is, what does a sponsored content team look like, what are its essential parts?
First and foremost, I think it's incredibly important to have an editorial director.
What does a team look like? Our office looks remarkably like any creative, editorial, design team you'd see in a traditional media. Same work-flow. Same equipment. Same titles. It's merely a different business model. Our content is developed for companies, associations, etc., who have a business model other than the media-business business model.
How many people are on your marketing team?
Project managers are key as well. Those folks keep the trains running and make sure all projects are delivered on time.
I know I keep bringing up our summit, but as part of our event, we asked all the attendees -- the Atlantic, BuzzFeed, Huffington Post, Wall Street Journal, Forbes, Washington Post, Digital First Media, Deseret Digital Media, Vox Media and others -- to submit a survey on how their orgs are organized, their processes, etc:
Appendix: What specific publishers, brands and analysts are doing with sponsored content - American Press InstituteAmerican Press InstituteWe asked participants in our Thought Leader Summit on sponsored content to give us some specific information via a survey. Here were their responses: Publishers using sponsored content Forbes Mark Howard, chief revenue officer: Q: What does your organization offer in terms of sponsored content / native advertising / content marketing? What is the content …
So, we build a virtual newsrooms for our brand and media partners to ensure that the construct of their content marketing teams mirrors that of a traditional newsroom. We have reporters, illustrators, photograhers, videographers, copy editors and executive editors on each team. In addition, we customize this experience to ensure the brand or media partner has enough talent to power the production ofany type of quality content asset.
Kaylee: Why is an editorial director so important?
An editorial director drives the conversation in each project. I also think it's incredibly important to have someone who came up through journalism. They are our gut-check to make sure projects are storytelling driven.
Our goal is to bring Big 'J' journalism to the masses because we believe there is only one way to produce content - the right way. To add, Kaylee, I agree that an experienced point person on the buy-side of the content marketing experience is as important as a CMO is to a marketing team.
While we don't call ourselves an "agency," when working with clients in creating sponsored, etc., content, there is a need for someone to have the role of account service. You can't product effective content unless you understand the marketing objectives of the client. There is the need for someone to be able to serve as bridge with editorial needs of the reader viewer / and expectation / project manager needs of the client.
So what are the advantages to hiring people who have journalism backgrounds for sponsored content teams?
I think journalists are great -- most of our staff has that as a background. However, not all content is journalism. Some is teaching. Some is producing great how-to videos. Some is comedy. Some is great illustration and visual data.
Journalists (or former journalists) have a real sense of what a good story is. They can take a brand's objectives and turn them into something driven by human interest.
We believe that people who have covered a beat and worked in a newsroom environment can move up and down the content spectrum with a rigor and approach to the craft that often times SME's are unable to manage. That's not to suggest SME's aren't valuable resources in the content marketing equation. But rather, we have seen first hand how journalists are able to easily navigate the dynamic demands of the content marketing arena. In our view, it's makes a big difference.
That's a great point.
For those readers who have submitted questions for our panel, we'll be addressing them toward the end of the chat. Keep 'em coming!
What advice would you offer to journalists who might be considering the world of branded content? What are the challenges to hiring journalists?
What industry to you work in?
I'll go with Kaylee's point in such advice: Be a great story teller. I'd add that journalists should also call on their skills of being great "explainers." Much of the content that works best for marketers is not the time-stamped kind that journalists love. It's more that contextual, how-to, helpful type of content. Journalists have the research and writing skills to do this well.
What is the advantage to brands when working with sponsored content teams? What sort of common pitfalls exist and how can you avoid them?
Real Quick... Journalists: Don't lose that hunger and thirst to produce a quality story just because you are hired by a non-endemic publisher. Quality matters.
I think sponsored content gives advertisers the opportunity to expand explanation of their brand promise. Once you get an understanding of what the brand promise is, you can work from there. I always ask brands what emotions they want users/readers to feel when they see the sponsored content. Once you have those emotions, you have a lot of room to work with.


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Part of the ministerial covenant and oversight for authorized ministers in the UCC is to keep current on trainings for healthy boundary awareness in our relationships and ministry practice. In the Southwest Conference, we continue to "try out" our "Healthy Ministry Module" format for these trainings, in order to meet the various needs of clergy in our wide geography and diverse settings.
The fall line-up for our Boundary Awareness Modules:
MODULE 1: Boundary Awareness Fundamentals, Nov. 5, 9am – Noon
Location: Redemptorist Retreat Center, Tucson (Pre-Clergy Retreat)
MODULE 2: interpersonal Relationships, Nov. 7, 10:30-2 pm
Location: Redemptorist Retreat Center, Tucson (Post-Clergy Retreat)
MODULE 3: Finances, Resources and Work,
Dec. 3, 9 a.m.–12 p.m.
Location: SWC Conference Office in Phoenix
MODULE 4: Technology & Social Media,
Dec. 3, 1–4 p.m.
Location: SWC Conference Office in Phoenix
MODULE for Retired Clergy:
Best Practices and Parameters for Clergy in Retirement
Dec. 14, 10 a.m.—2 p.m.
Location: United Church of Sun City
Cost $15; no book required, includes lunch
Do I need to take the modules in order? No. The modules are now designed as stand-alone sessions that can be taken in any order.
Do I need to purchase a training book? We will refer to Faith Institute's Student Book #201. You are required to have one with you during the modules. We've been using the #201 for the last few years. If you have it, you can bring the one you have. If you don't have it, then you'll need to purchase one for $20 at the training, and use it for future modules.
How do I know if I'm due for Boundary Training? With the modular system, our cycle of renewal has changed. Everyone is now on a "Years 3 and 8" cycle. That means that each year that ends in 3 or 8 (i.e. 2018, 2023, 2028, etc) begins a new five-year cycle for all clergy in the SW Conference. Within each 5-year cycle, all clergy must complete all the Healthy Ministry Modules. Four are offered this year, but beginning next year two more will be added to make SIX modules to be completed by the end of 2022: Four on Boundary Awareness, one on Bias/Prejudice/Discrimination Awareness, and one on Diversity Competency.
What happens if I transfer to another conference? The records of the modules you have completed will be part of your ministerial file. You are considered up to date anytime before Dec. 31, 2022, or 2027, etc. as long as you completed the modules in the previous 5-year cycle. If it has been more than 5 years since you took any training, the receiving Conference may require you to take training as soon as possible. If you suspect that you may be leaving your current position and possibly transferring conferences, it might be wise to take all the modules as soon as possible.
How do I know what's coming up for trainings and where they will be held? The schedule for 2019 will be available by the Clergy Retreat. Within the 5-year cycle, all modules will be offered at least once or twice in each major geographic center: Phoenix, Tucson, and Albuquerque. Three times during the cycle, a block of the four boundary training modules will be offered during a Friday afternoon through Saturday afternoon. Beyond that, each module will be offered individually every year, at varying times.
Can I take Boundary Training from another denomination? Yes, you can take an approved training from another denomination. You must submit to the SWC a copy of your certificate of completion.
How can I keep track of what modules I've completed? You will receive a certificate of completion at the end of each module. We advise you to keep that in a file, or tuck it into your Boundary Student book. You can also contact ACM Barb Doerrer-Peacock for an update or with any questions.
While the dates and locations may still be tentative, here's what we're planning for 2019:
BLOCK of Modules 1-4: in Albuquerque, from 1 pm-Friday to 4 pm-Saturday in FEBRUARY sometime. Details TBA.
MODULE 1: September 12, Phx at the Conference Office, 9-Noon
MODULE 2: September 12, Phx at the Conference Office, 1-4 pm
MODULE 3: October 28, Tucson, at Redemptorist Center, 9-noon
MODULE 4: October 30, Tucson, at Redemptorist Center, 10:30-2 pm
NEW MODULE 5: Diversity Compentencies: Phoenix at the Conference Office, March?
(Module 6: Bias/Prejudice/Discrimination Awareness, will be offered in 2020, and Modules 5 and 6 may alternate each year).


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Today at Roundshaw the conditions were fairly decent. The sky was overcast (mostly), it wasn't too hot (mostly) and the wind wasn't blowing to strongly (mostly). These conditions and the hard work of the athletes lead to 15 PBs and allowed 7 athletes to complete their first ever parkrun.
The PBs were: Tommy Payne took off 116 seconds, Mary Larkin took off 27 seconds, Helen Wildman took off 8 seconds, Sarah Ferriroli took off 18 seconds, Jacob Welham - took off 13 seconds, Simon Daily took off 103 seconds, Jessica Shadbolt took off 2 seconds, Raghav Menon took off 13 seconds, Michael Jenkins took off 89 seconds, Lesley Down took off 62 seconds, Rahul Menon took off 24 seconds, Gary Evons took off 21 seconds, Periasamy Selvaraj took off 23 seconds, Gart Harrison took off 13 seconds and Grace Charley took off 90 seconds.
Today two juniors, Thalia Ferguson and Raghav Menon, completed their tenth parkruns and Kathryn Ferguson completed her 50th parkrun. Congratulations to Lesley Down who broke the old 75-59 age grade record with a new age grade of 59.83%.
Roundshaw Downs parkrun
Event number 479
2nd June 2018
This week 151 people ran, jogged and walked the course, of whom 11 were first timers and 15 recorded new Personal Bests. Representatives of 19 different clubs took part.
The event was made possible by 18 volunteers:
Martin O'HALLORAN • Martin LLOYD • Mick TURNER • Tim GRAY • Eileen LEONARD • Ian ST JOHN • Kirsty COTTON • Hilary RANKIN • Ian COTTON • Marie GRAY • Matthew GRAY • Max STILLMAN • Alan SILLITTO • Nikki WALLER • Olivia WALLER • Hannah LANGMEAD THORPE • Luke FOWKES-SMITH • Gari THOMAS
Today's full results and a complete event history can be found on the Roundshaw Downs parkrun Results Page.
The male record is held by Kevin QUINN who recorded a time of 15:41 on 13th August 2011 (event number 110).
The female record is held by Clare ELMS who recorded a time of 18:28 on 18th April 2015 (event number 310).
The Age Grade course record is held by Zechariah JOHNSON who recorded 94.07% (21:05) on 7th October 2017 (event number 443).
Roundshaw Downs parkrun started on 18th July 2009. Since then 5,217 participants have completed 47,075 parkruns covering a total distance of 235,375 km, including 7,100 new Personal Bests.


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When story, art, and gameplay become one
Custom tools, rapid testing, and analytics pave the way
Children of Morta: A Unity for 2D games case study
The Children of Morta game-project team is composed of 14 creators in various roles spread across the globe. In order to make them work together efficiently as one team, Dead Mage had to take full advantage of Unity's flexible platform and diverse tools.
The game
Children of Morta
The goal
Combine story, art, and gameplay into one seamless experience
Windows, Mac, PlayStation 4, Xbox 1
Team members
Austin, Texas
A combination of strong story, beautiful art, and engaging gameplay all in one great hack-and-slash 2D game.
The results:
- Custom tools increased narration process efficiency by over 20%
- Prototyped new levels within 5 days
- Reduced load time from minutes to seconds
- Featured at Made with Unity Showcase at Unite Austin 2017
- Nominated for the 2015 SXSW People's Voice Award and GamePedia PAX West Picks
Cutscenes were the key
It shouldn't come as a surprise that both the beautiful 2D art and the adventure narrative in Dead Mage's 2D roguelike dungeon crawler were influenced by Persian folklore. After all, Dead Mage's founder and studio leader, Amir H. Fassihi, is originally from Iran.
But integrating the fascinating mythological themes of the narrative into a hack-and-slash game, came with challenges.
"We wanted the characters and the narrative to be important, but we couldn't jam a traditional linear narrative into it because it just wouldn't make sense in the overall game," says Jakobsen Locke, the narrative designer on the team.
Dead Mage's solution was to create a few key cutscenes that develop the story and present them to players at key points in the game.
"One person telling the players the story as they witness it gave us the ability to give players the information they need as quickly as possible, make an emotional impact, and then get them right back into the gameplay," Locke says.
See an example of a cutscene from Children of Morta below.
Writing the story–literally–a challenge
A plan for how to make narrative and gameplay work together is one thing, but when the developers and the narrative designer are in remote physical locations, implementation isn't necessarily going to be simple. How would Locke get the information he needed from the developers to write the text and integrate the narrative with gameplay?
"At first, the developers would send me videos of some of the cinematics to Austin, which I would use to write the narrative, but we found that that was real wasteful of our time." Locke says. "Someone would have to spend at least half a day recording video, and get that back to me, then with our time-gap, it would take upward of three days to return anything. It was just a total waste of our time."
A 3-day process condensed into half a day in Unity
In order to make it more efficient for the developers and narrative designer to work together, Dead Mage extended the Unity editor.
"The developers created a few custom tools that allowed me to go into Unity and just quickly jump through all the all the animations. Then, I could write the dialog or text that we needed directly in Unity. So, the extensibility of the Unity Editor enabled us to take what was about a three-day process, and condense it into half a day to streamline the entire process," Locke says.
See the custom animation/narrative design tool below.
In addition to customizing Unity with internal tools, Locke points out that tight integration with Excel also made work smooth. He could use the Excel functions to make sure all the text was formulated correctly and fits on the screen.
"The way I could just import a formula and it auto-imported all the subtitles just the way we wanted them straight into the game was really cool," he says.
Keeping gameplay fresh and load time fast
A strong narrative was one part of the skeleton that supports Children of Morta. But at the heart of the gameplay experience is roguelike adventure. Players spend a lot of time in caves, the desert, and the wind temple.
"The roguelike elements mean that you're going to be replaying a lot of game elements, so we wanted to make sure that each play-through was fresh. In order to do that, we needed to randomize it so the player had the ability to find new sets, new power-ups, and so on, in each chapter via procedurally generated scenes," Locke says.
But the procedurally generated scenes meant that load times were dragging. The team couldn't have all their assets pre-loaded because generating a level could take up to five minutes.
Load times reduced from minutes to seconds
Dead Mage worked around the load-time issue by extending Unity with a custom asset-management system. Instead of calling an asset, the custom management system calls the asset data without any of the art and heavy files attached to it. Then using only the light data, they can call up the art needed.
"Not only was it a real smooth transition to get our custom asset management tool in there, it reduced our load times from 4 to 5 minutes to 10 or 15 seconds," Locke says.
See Dead Mage's custom asset manager below.
Rapid prototyping makes players part of the process
The gameplay in Children of Morta has been influenced heavily by players. What started out as as a small passion project for a few key members of the Dead Mage team soon developed into a Kickstarter campaign, which enabled them to use funders as a test group.
With the Unity Engine, they were able to create a fully playable build with many of the core concepts and ideas within two weeks. Once they had that foundation, they continued to make a new build every week with some new ideas in it, so that they could get fresh play testers to come in and check it out.
"It was really great to work with Unity for the prototyping phase. Within a week, we could go so far as to have a new character in with rough animations, have the mechanics in there so that someone could try the new character out, and actually see how it feels in the game. And that would only take us five business days max," Locke says.
Unity Analytics influences design decisions
In addition to feedback from the testers, Dead Mage activated Unity Analytics so they could see how players were behaving as they developed the game. Objective data revealed player preferences, such as which characters were most popular and which powers were being used most.
For example, when they experimented with giving all the characters the power to dodge, Unity Analytics showed that this affected players' use of other powers. Specifically, once the father character had the power to dodge, players stopped using his giant shield because it was easier for them to dodge instead.
"As a result of data from Unity Analytics, we attached a whole new set of abilities that can only be activated when you're holding the shield. So Unity Analytics drove a design decision that we could not have made if we didn't have all the data that we'd accumulated," Locke says.
"The extensibility of the Unity Editor enabled us to take what was about a three-day process, and condense it into half a day to streamline the entire process."
— Jakobsen Locke, Narrative Designer at Dead Mage
How do you get started with Unity for 2D?
Follow this practical guide with information and resources that will get you on your way, save you time, and help you gain the most value when developing 2D games using Unity.


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Passengers travel in a train in Colombo on September 19, 2017. Due to its affordability, train travel is a popular mode of transport in this nation of 20 million people. (AFP / Lakruwan WANNIARACHCHI)
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Sri Lanka commemorated the ninth anniversary of the end of its civil war as a divided nation Saturday, with minority Tamils calling for an international investigation into alleged wartime atrocities and the government defending soldiers from allegations.Sirisena said even though some accuse the military of war crimes, such allegations haven't been formally levied by world bodies such as the U.N. Human Rights Council. He said there were no proper records to show the number of civilians who died in the 26-year civil war but said it could be around 100,000 .


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Serving 8
27 small piece(s) graham cracker(s), squares, cinnamon-flavored
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1 cup(s) lite whipped topping
1 tsp ground cinnamon
Line bottom of an 8-inch square pan with nine graham crackers.
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11 Beauty Products for Your Valentine's Day Wish List
One of the most romantic days of the entire year is right around the corner. And because we Southern women take our beauty routine pretty seriously, why not show yourself some love this year by adding a beauty gift to your Valentine's Day wish list? Unlike a box of chocolates that pack on unwanted pounds or roses that wilt and die, beauty products last a whole lot longer and deliver life-changing results. Whether you're celebrating being your own Valentine this year, treating your best friend for Galentine's Day, or searching for the perfect lipstick and mascara to hint to your loved one, these gifts are Cupid-approved. Since you can't put a price tag on love (or happiness), this collection also boasts budget-friendly finds for your face, body, skin, and hair. Roses are red, violets are blue—here are 11 swoon-worthy beauty gifts to say "I love you."
"Pretty in Pink" Nail Set
Shelby, our favorite fictional Southern belle, said it best: "My colors are "blush" and "bashful," Mama! I like pink, pink is my signature color."
If you're anything like the beloved character from Steel Magnolias, then you'll love this nail polish gift set, which includes six polishes in variant shades of pink.
Add to Your Wish List: $34; sephora.com
Rose Powder Blush
Rosy hues and powder pinks are two of the biggest trends in the beauty world right now. Cheaper than any rose bouquet you can find, this affordable blush comes in different rose shades, including "Blossomtime Rose," "Coral Cove," "Tea Rose," and "Romantic Rose" (as pictured).
Add to Your Wish List: $9; milanicosmetics.com
diptyque Rosa Valentina Scented Oval
The nose knows this Valentine's Day. Our favorite candle brand has created this white porcelain, rose-scented medallion (with a decorative ribbon) to honor the holiday of love. Hang the waxed trinket in your car, closet, or anywhere in the home for a sweet-smelling fragrance that will last up to three months.
Add to Your Wish List: $50; neimanmarcus.com
Smooth Delivery Makeup Sponges
This bright collection of four reusable makeup sponges is perfect for traveling. They are soft and absorb water, which is key in the sweltering heat in the South. The unique teardrop shape allows you to apply foundation, blush, or concealer like a pro.
Add to Your Wish List: $8; sephora.com
Jo Malone™ "Red Roses" Bath Oil
As much as we all would treasure a day at the spa, sometimes it's just not in the budget (or schedule, for that matter). That's where this rose- and violet-scented bath oil comes in handy. Light some candles and treat yourself to a soothing, relaxing bubble bath.
Add to Your Wish List: $25; nordstrom.com
L'Oreal Paris Cosmetics Infallible Pro-Matte Gloss
We could never say no to a lip gloss that offers long-lasting results and maximum shine, especially when it comes in a bold pink hue. Pucker up to one of these shades, including our personal fave, "Blushing Ambition!"
Add to Your Wish List: $10; ulta.com
Lip Print Canvas Makeup Bag
You're going to need something to hold all your newly-gifted beauty tools and makeup, and this adorable bag features lip prints on the front and a quote that embodies the Southern woman on the back. We take pride in looking amazing, whether it's going to the grocery store or church on Sunday. Now, you have a makeup bag to remind you that girls still run the world, with perfect eyelashes, big hair, and all.
Add to Your Wish List: $20; charlottetilbury.com
Almay One Coat Get Up & Grow One Coat Waterproof Mascara
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Browsing articles tagged with " tim-hall"
Guryel Ali
Guryel Ali is a former Muslim who converted to Christianity. He's released a number of Reggae Albums, he's worked in Breakfast radio, and he shares about his involvement in the Revival in Vanuatu in 2016 with Evangelist Tim Hall, Hillsong & Planetshakers.
Tim Hall
Tim Hall is a brilliant communicator who travels the world preaching a message of revival. Here Tim's amazing story of life change from being an alcoholic High School teacher to becoming a history maker.
History Makers Book
Be one of the first to get a copy of Matt Prater's latest Book History Makers Volume one.
Find out more…
History Makers TV
History Makers USB
A new way to take Historymakersradio.com with you. Find out more…
Help Support Us
If you enjoy listening to History Makers Radio, please consider donating to help keep this show running.


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The "is it moral to walk away from your mortgage" argument continues to rage. The latest to weigh in is professor Richard Thaler in the New York Times.
Thaler cites work by two fellow academics arguing that there might have been a morality argument a quarter-century ago, when your mortgage came from a local banker who was a member of your community. But now, Thaler says, that argument no longer applies.
And by viewing the mortgage as a "promise to pay" while the mortage lender views it as a business transaction, the homeowner is acting like a player at a poker table who thinks bluffing is unethical.
A provocative paper by Brent White, a law professor at the University of Arizona, makes the case that borrowers are actually suffering from a "norm asymmetry." In other words, they think they are obligated to repay their loans even if it is not in their financial interest to do so, while their lenders are free to do whatever maximizes profits. It's as if borrowers are playing in a poker game in which they are the only ones who think bluffing is unethical.
That norm might have been appropriate when the lender was the local banker. More commonly these days, however, the loan was initiated by an aggressive mortgage broker who maximized his fees at the expense of the borrower's costs, while the debt was packaged and sold to investors who bought mortgage-backed securities in the hope of earning high returns, using models that predicted possible default rates.
The morality argument is especially weak in a state like California or Arizona, where mortgages are so-called nonrecourse loans. That means the mortgage is secured by the home itself; in a default, the lender has no claim on a borrower's other possessions. Nonrecourse mortgages may be viewed as financial transactions in which the borrower has the explicit option of giving the lender the keys to the house and walking away. Under these circumstances, deciding whether to default might be no more controversial than deciding whether to claim insurance after your house burns down.
And here are other pro and con arguments:
Yes, It's Okay To Walk Away From Your Mortgage - Henry Blodget
Walking Away From Your Mortgage Is Financially Stupid And Morally Wrong - Megan McArdle
People Who Walk Away From Their Mortgages Are Jerks - Megan McArdle
And if you're considering walking away, here's how to do it >


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President signed the 122nd constitutional amendment Bill. Now the constitution stands ammend and the work for the formation of GST Council will start
Highlights of the Bill
- The Bill amends the Constitution to introduce the goods and services tax (GST).
Parliament and state legislatures will have concurrent powers to make laws on GST. Only the centre may levy an integrated GST (IGST) on the interstate supply of goods and services, and imports.
- Alcohol for human consumption has been exempted from the purview of GST. - GST will apply to five petroleum products at a later date.
- The GST Council will recommend rates of tax, period of levy of additional tax, principles of supply, special provisions to certain states etc. The GST Council will consist of the Union Finance Minister, Union Minister of State for Revenue, and state Finance Ministers.
- The Bill empowers the centre to impose an additional tax of up to 1%, on the inter-state supply of goods for two years or more. This tax will accrue to states from where the supply originates.
- Parliament may, by law, provide compensation to states for any loss of revenue from the introduction of GST, up to a five year period.
Key Issues and Analysis
- An ideal GST regime intends to create a harmonised system of taxation by subsuming all indirect taxes under one tax. It seeks to address challenges with the current indirect tax regime by broadening the tax base, eliminating cascading of taxes, increasing compliance, and reducing economic distortions caused by inter-state variations in taxes.
- The provisions of this Bill do not fully conform to an ideal GST regime. Deferring the levy of GST on five petroleum products could lead to cascading of taxes.
- The additional 1% tax levied on goods that are transported across states dilutes the objective of creating a harmonised national market for goods and services. - - Inter-state trade of a good would be more expensive than intra-state trade, with the burden being borne by retail consumers. Further, cascading of taxes will continue.
- The Bill permits the centre to levy and collect GST in the course of inter-state trade and commerce. Instead, some experts have recommended a modified bank model for inter-state transactions to ease tax compliance and administrative burden.
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Nursery Teacher & Level 3 EYP - Near Camden - Sept 2019 Start
- Recruiter
- Location
- Camden
- Salary
- £26000 - £40000 per annum
- Posted
- 18 May 2019
- Closing date
- 17 Jun 2019
- Ref
- Contact
- Richard Scott
- Industry
- Schools, Primary teaching, Newly qualified teacher, Nursery & Early years, Supply and cover
- Hours
- Full time
- Contract
- Permanent
- Listing type
- Job vacancy
We are working with this independent pre prep school near Camden who are looking for a nursery teacher & a level 3 EYP.
These roles are due to start in Sept 2019.
This average sized pre prep school are looking to take on a Nursery Teacher and a Level 3 EYP in September.
Nursery teacher candidates must be fully qualified teachers (QTS or EYTS) and EYP candidates must hold a minimum qualification of Level 3.
The Nursery Teacher will be teaching one of their 2 to 3 year old classes.
There will be two stages to the interview process - a phone interview followed by a face-to-face interview.
The pay for ad 6 is 29k to 40k for the nursery teacher and 19k to 21k for the Level 3 EYP.
ASQ Education partners with a number of exceptional primary schools across London and the Home Counties to offer you the latest and best selection of educational positions.
We will help you find the right short term, or long term role in a school and location that suits.
To apply please email your CV to email@example.com or visit our website and register online.


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This relaxation could help RWAs of such high rise set up roof top solar power units, minister for urban development UT Khader, said.
Interacting with reporters on Monday, Khader, also district minister, said existing rules on FAR and change of land use were an impediment to high rise setting up solar power plants on their terraces.
With this relaxation, more RWAs of flats could come forward to set up solar power plants that could offset their need for grid power for common utility lighting or even on individual basis and thereby reduce load on power generating stations, he said.
Admitting tax collection of most urban local bodies including Mangaluru City Corporation left lot to be desired, Khader said strict instructions have been given to ULBs to perk up the same during review meetings.
The urban development department is planning to collect UGD cess upfront while issuing building license. Steps have also been taken to ensure verification of property tax paid with help of GIS mapping technology, he noted.
Referring to pilot scheme mooted by him recently for MCC, Khader said the UD department has sought budgetary support to roll it out.
Under this pilot, the city corporation will be able to remotely disconnect water supply in case any residential or commercial unit fails to pay their water cess within a prescribed time, he said, adding such technological intervention is necessary to prevent other considerations that creep in to deal with defaulters.


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*We respect your privacy! I pinky swear!
"Working with Jill has been a great experience. She shared her unique perspective with us and showed promotional items that help us stand out from other radio stations in town. She is always very prompt and thorough during the ordering process and keeps in touch every step of the way. I enjoy working with Jill and plan on continuing to do so for many years."
~ Mike Dorsey, Director of Community Relations 104.9 The River
"Jill has been an essential part of our Walk to End Alzheimer's committee since 2011 serving as volunteer coordinator and logistics coordinator. She brings a lot or energy, passion and organization to the committee and has proven to be an effective leader helping the Association's signature fundraising event surpass it's goal each year."
~ Jennifer Monroe-Sega, Special Events & Marketing Manager Alzheimer's Association Central Ohio
"Jill at Value Added Marketing is amazing and works hard for me. I mostly appreciate the level of research (on some unusual requests at times!) and her response time because I'm always working up against the wire. She always find the right pricing that fits within our limited budget. She truly adds value and is a pleasure to be around."
~ Nicole Knowlton, Vice President of Development and Communications; Volunteers of America of Greater Ohio


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If you can't see the video and only hear the sound, please switch to Firefox/Chrome/Safari for better performance.
Papi Chulo
Papi Chulo is a movie starring Matt Bomer, Alejandro Patiño, and Elena Campbell-Martinez. A lonely TV weatherman strikes up an unusual friendship with a middle-aged Latino migrant worker.
Actor: Matt Bomer, Alejandro Patiño, Elena Campbell-Martinez, Wendi McLendon-Covey
Director: John Butler


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Hi There! Is this Your First Time?
Did you know if you Register you have access to free search tools including the ability to save listings and property searches? Did you know that you can bypass the search altogether and have listings sent directly to your email address? Check out our how-to page for more info.
- Price$465,000
- Beds3
- Baths2
- Sq. Ft.1,484
- Acres0.21
- Built1969
2018 Wheless Ln, Austin
***MOTIVATED SELLER***Are you ready to come home? This is a completely remodeled 3 bedroom,2 bathroom w/2 car garage in the very popular Windsor Park & University Hills neighborhoods, also just minutes from Mueller as well. You will be proud to show this one off, the kitchen is everyone's dream having tons of cabinet space. The laundry room looks like it came straight out of a magazine. This home has a corner lot with a large private backyard.
Essential Information
- Price$465,000
- Bedrooms3
- Bathrooms2.00
- Full Baths2
- Square Footage1,484
- Acres0.21
- Year Built1969
- TypeResidential
- Sub-TypeHouse
- StatusPending - Taking Backups
- UtilitiesElectricity on Property, Natural Gas on Property
- # of Garages2
- ViewNo View
- Exterior FeaturesPatio-Uncovered, Private BackYard
- RoofComposition Shingle
- Construction3 Side Masonry
- FoundationSlab
Community Information
- Address2018 Wheless Ln
- RegionAustin - East
- SubdivisionWindsor Park 02 Sec 01
- CityAustin
- CountyTravis
- StateTX
- Zip Code78723
- Interior FeaturesCeiling-Beam, Ceiling-Vaulted, French Doors, Indoor Utilities, Security System - Owned, Smoke Detector, Walk-In Closet, Window Treatments
- AppliancesCook Top Gas, Dishwasher, Disposal, Exhaust Fan Vented, Microwave Oven, Self Cleaning Oven, Stainless Steel
- HeatingNatural Gas
- CoolingCentral Air
- FireplaceYes
- # of Fireplaces1
- FireplacesFormal Living
- # of Stories1
- Stories1
School Information
- DistrictAustin ISD
- ElementaryHarris
- MiddleGarcia
- HighReagan
Price Change History for 2018 Wheless Ln, Austin, TX (MLS® #6263619)
|Price Reduced
|$3,000 (0.64%)
|Price Reduced (from $475,000)
|$7,000 (1.47%)
Property Listed by: Keller Williams Realty
The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information from the Austin Board of REALTORS® (alternatively, from ACTRIS) from October 21st, 2019 at 12:15am CDT. Neither the Board nor ACTRIS guarantees or is in any way responsible for its accuracy. The Austin Board of REALTORS®, ACTRIS and their affiliates provide the MLS and all content therein "AS IS" and without any warranty, express or implied. Data maintained by the Board or ACTRIS may not reflect all real estate activity in the market.
All information provided is deemed reliable but is not guaranteed and should be independently verified.


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Spending too much of your valuable time processing wages for your employees?
FlexiPayroll gives you the best of both worlds. You'll enjoy the simplicity and affordability of FlexiTime – one of the best payroll processing software solutions on the market that integrates seamlessly with Xero. Plus you'll benefit from the expertise of trained accountants to manage your payroll, and ensure you stay IRD-compliant at all times. You'll also get unlimited support and advice, whenever you want it. Contact Wise Advice for more info.


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Dzyn is a brand who's creative director, Ogwa Iweze has been featured on SBM, so we know the brand. What you may not know is that even though her red carpet dresses ( this is the brand's known MO) are quite high end, this is one of the most easily identifiable Labels ever worn in the country.
Ogwa knows how to take a trend and make it entirely her own. She twists and turns and what you see can only be categorized as a creative expression of a handpicked trend made red carpet ready!
As a blog that follows the beat of the fashion industry in Abuja and Nigeria largely, we know that this brand which has exceeded 10 years in the industry has definitely made an impression on the stylish fashion lovers. Who can forget their bold striped and bright colored caftan dresses? or their scuba dresses with the bold flower motifs in the most attractive colors and cuts? One of the first people to embrace the fabric (also known as neoprene) this side of the country. This fringe dress in their 2018 collection is definitely set to fit into their signature trend hall of fame.
The patterns and arrangement of the fringe, varies on the dresses as we have seen. This could be tricky for the wearer which is why if you set out to choose a design, we would advise you pick the one that fits your body type… begin the fringe in the part of your body you want to draw attention to. The truth is that this trend could be a lot for some style watchers to get into… some could perhaps warm into it when they see enough people on the streets rock them the right way.
We must add that this is also a trend that you can pick to suit your style personality- you want your figure out there? The fringed sheath dress will do it for you. For the minimalist like me, a flattering cut and a cautious single fringe row will probably do. You love to turn heads when you enter a room? This party is definitely yours! Wear it all over and accessorize as your mood carries.
Definitely a trendy collection to have fun with!
Photos: www.instagram/ dzynbabe


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This member has provided no bio about themself...
Your newest attempt to save Princess begins tonight. Good luck!
nyx singleplayer map
Tim's mOdyssee version 1.06b is finally here. All worlds are complete. Your newest attempt to save the Princess begins now. Enjoy!
tim's modyssee singleplayer map
No addons were found matching the criteria specified. We suggest you try the addon list with no filter applied, to browse all available. Add addon and help us achieve our mission of showcasing the best content from all developers. Join now to share your own content, we welcome creators and consumers alike and look forward to your comments.


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Musical Composition
Akiko Haruna is a Sound designer and audiovisual artist, constructing experimental sound and vision for the moving image. Her works span the spectrum between Avant Garde, Classical and deconstructed club music. Coming from a Classical background and backed with a University education in the Sound Arts, her extensive abilities and understanding of sound has permitted versatility in her work.
Haruna has emerged into the sound world from a background in performance. Entering the dance industry at the age of 16 she has worked for mainstream pop artists such as john newman and aluna george in videos that have received tens of millions of views. throughout this time period, she has worked for the universal music group, island records, the bbc and sky. The experience she has gained from her time working in The industry has provided her with invaluable insight on the execution and delivery of work within well respected companies.


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If you are a Disney Rewards Member (or sign up to become one – it's FREE!), head over here to enter to win 1 of 30,000 prizes in their Make Sweet Memories Giveaway! Prizes range from Disney Movie Rewards points to the Grand Prize of Travel and Accommodations for 8 from Delta Vacations!
You first entry is FREE. Each additional entry is 5 Disney Movie Rewards points.
Thanks, The Freebie Blogger!


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Duff McKagan Interviewed On Nikki Sixx' Sixx Sense
Duff McKagan Interviewed On Nikki Sixx' Sixx Sense
March 29, 2010
Former Guns N' Roses bassist Duff McKagan recently joined Motley Crue's Nikki Sixx and Kerri Kasem on the radio show Sixx Sense.
There's no one in the world quite like Nikki Sixx, and there's nothing on the radio quite like his show "Sixx Sense." Each night, he'll be talking about the music and topics on everybody's mind, but filtered through the unique perspective and attitude of someone who has seen it all, done it all, and is still hungry for more. You'll get a backstage look the world and mind of a rock star. But not just any rock star, Nikki Sixx from Motley Crue. You'll get the inside stories that others are too afraid or ashamed to tell. Nikki will get straight, honest talk from special celebrity guests, bands and friends, no matter how notorious or nefarious. Plus, he'll play all the hottest music in rock. The program airs nationwide Monday through Friday from 7 pm to midnight local time.
Courtesy of www.sleazeroxx.com and www.sixxsense.com


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Brit Charlebois
Brand Executive Producer
Santa Cruz, CA USA
As an agency producer then production company executive, Brit spent over 12 years producing award-winning digital advertising initiatives for some of the world's most renowned brands. Her expertise in digital production spans from planning and strategy, to concept creation thru final design, development and deployment across various platforms. Currently she provides insights to her clients regarding digital procurement, taking into account the ever-changing landscape of social media, mobile marketing and how each area affects advertising production spend.
Due to today's contrasting demands for compelling content with reduced budgets, cost transparency and process efficiencies must be balanced with great creative work to meet the demands of the always expanding advertising universe.


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AP division: Court permits Jagan to meet Mamata, Akhilesh
The court permitted the Kadapa MP, who in separate applications requested to allow him to visit Kolkata to meet West Bengal Chief Minister Mamata Banerjee tomorrow and Uttar Pradesh CM Akhilesh Yadav on November 21.
The court had yesterday dismissed Jagan's plea seeking further relaxation on his bail conditions by allowing him to visit other states and observed that blanket permission for visiting other states could not be considered since the elections in AP were not around and suggested the petitioner to approach it whenever he intends to visit state/place outside Andhra Pradesh and Delhi.
Jagan will visit Kolkata and Lucknow.
Jagan, who was arrested in May last year, got bail in the corruption case on September 23 this year, with the court asking the Kadapa MP not to leave the state capital without its permission.
However, the court had on October 30 allowed his plea for relaxing the bail conditions to enable him to visit different parts of Andhra Pradesh and Delhi.
Jagan had in the applications submitted that being an MP and leader of a political party, he has to meet leaders of different political parties (in view of the prevailing situation in the state in the wake of announcement to bifurcate Andhra Pradesh) and travel frequently.
The applications further said that he intends to try to convince all the national political leaders on the stand adopted by him and his political party and bring a consensus against the division of the state (Andhra Pradesh) by unifying the entire state.


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Event at 1 pm in the Back Studio
Tickets are $25 - $10 (sliding scale) / Under 12 yrs free
No one turned away for lack of funds
Drum Sundays are drumming workshops presented on the first Sunday of every month by one of our FANTASTIC MAESTRA DRUMMERS from Born To Drum.
Classes are open to ALL LEVELS. There will be a limited number of drums to borrow on a first come first serve basis.
Come have fun learning some Afro-Cuban rhythms and songs. Carolyn will break down some of the basics of this charismatic and melodic drumming style. So much of our popular music uses rhythms that were preserved and created in Cuba. The repertoire is huge, but there are concepts and basics that underline all of this incredible music. We will be exploring some of these such as Tresillo, Clave and Polyrhythm and their connections to each other and to this music as we learn some of the beautiful Rhythm Songs that come from Cuba.
Workshop from CAROLYN BRANDY, Afro-Cuban Rhythms and Percussion


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On October 26, 2015, Citizenship and Immigration Canada (CIC) introduced a new electronic system for employers to submit Offers of Employment for Labour Market Impact Assessment (LMIA)-exempt foreign workers (including intracompany transferees, professionals under the North American Free Trade Agreement, and International Experience Canada participants), called the Employer Portal. Official guidance suggests that employers should begin using the Employer Portal.
Although most officers are still unfamiliar with the new process and continue to accept paper forms, officially, paper IMM 5802 forms will only be accepted from employees whose employers who have signed the forms prior to October 26, 2015, and whose Compliance Fee was submitted prior to that date. The final date for submission of the paper-based forms is November 21, 2015.
The Employer Portal is part of recent CIC changes to strengthen employer accountability under the International Mobility Program. Instructions are available on the CIC website. Third-party representatives have been given access to the portal to file documentation on behalf of employers.
What This Means for Employers and Foreign Nationals
Employers who are required to send LMIA-exempt workers to Canada should enroll in the Employer Portal as soon as possible. Affected employers with questions or requiring assistance submitting information on the Employer Portal should contact their Fragomen professional.


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Service 24/7 Ph. (915) 858-6077 & (915) 342-3011 Se Habla Español
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How about a little treat, to share of course! This basket full of guilty pleasures overflowing in a delightful basket that is sure to make someone's day. Perfect for a birthday, congratulations, or thank you, this basket is full of sweet and savory snacks that are sure to delight. Try not to eat them all at once! Please note that the assortment of snacks may vary.
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|My Santa Claus
FACE. When I say 'face', I do not mean pride in that arrogant and boastful way. To the Major Chans and Abdul Khalids of the world, 'face' means having the integrity and honour not to take what is not yours, not to take what you do not deserve (even if you have the legal right to take it) and not to put yourself in debt to anyone for dubious favours rendered. It is having the sensibility to live within your means, and not to consume ostentatiously. I myself used to laugh about how my father never gives himself any expensive treat whatsoever. I do not laugh about that anymore.
HONESTY. Honesty is not easy. And undoubtedly, my father had grated and offended a number of people because of his strict opinion and unflinching attitude towards what is right. Why, even my late mother (bless her sweet soul) used to complain, "Your father is so unbendable!" This was in response to my father's admission that he had rejected a director's allowance increase which would have earned him more money than even what I am earning NOW. And this was some 15 years ago! So the amount in question was not small by any means. But my father rejected the proposal from the management. My father was the Chairman and this was his view on the matter - I only have meetings like once a month at the most, and perhaps 2 general meetings a year. Why should I be paid so much when I spend so little time for the company? And of course, my father also refused because had he accepted the proposal, he would be in debt to the management of the Company, thus losing his moral authority for 30 silver coins (to use a Biblical reference, this being Christmas season and all).
A CHRISTMAS GREETING. Integrity, honour, honesty and simple good manners, these are all little bricks, stones and mortar of your conscience, or as some would call it, the Pillars of Our Conscience. Something that was touched on in the festive reply to Major Chan...
Dear Major,
Merry Christmas. May you find strength in the morning, happiness during the day, solace in the evening and rest at night. May the tribulations that dog your step give you wisdom and strength. May the blessings that rain on you bring you contemplation and gratitude. May you see success and failure as the illusions that they truly are, and that in Truth, it is the Lord speaking to you, and you accept both with humility and courage. If at times, people question your conviction, rest your doubts on the pillars of your conscience… for don't you know that the pillars reach to the highest firmament of human conjecture, halting its ascent only at the door the Divine Presence? At that point where all thoughts end, returning as little drops of light to the Ocean of God.
From one tiny drop to another, I wish you a very Merry Christmas.
Pax Taufiqa.
|Norman Rockwell's Santa Claus
Have a wonderful Christmas, and may God bless you with His Mercy, Love and Grace always.
Hate has no place in Islam
Love will show the Way


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Rather than have a series of weekly questions Delle and I have decided on an inspirational weekly post; which we hope you guys will join in with.
The idea is each week we choose a winter warmer e.g. Keeping your hands warm, keeping your head warm etc etc and will give you our favourite patterns, favourite finished objects and general inspiration for your handmade item or kit. We hope you will post your favourites/insipration on your blog - this should give more clues to your pal about your likes/dislikes and also give others some new ideas too.


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Get Your Assignment Done at the Most Affordable Prices
Get Your Assignment Done at the Most Affordable Prices
9 Pages 2232 Words 23416 Downloads
In modern era, equality at workplace is one of the major issues which employees and organization faces. Every employee strives for the equal treatment as well as for equal growth opportunity in organization. Discrimination regarding sex, race, religion, disability and pay grade affects the performance of employees in an adverse manner (Daniels, 2012). Further, this restricts the growth opportunities and lowers down the morale of employees. In order to eliminate the discrimination among workers, Equality Act came into force in the year 2010. This report covers all the aspects of Equality Act and other legislation that are linked to discrimination and which encourages the equality at workplace and protects the rights of employees as well. In addition to this, nine protected characteristics within the Act have been highlighted in this report.
Equality at workplace has always been an important issue for organization and workers. In order to provide fair and equal treatment to employees, the Equality Act came into existence in 2010. It provides a legislative framework to protect the rights of individuals and advance equality of opportunity for all. It highlights some protected characteristics such as gender, age, race, belief, religion, age, disability etc. In addition to this, 116 different pieces of legislation have been clubbed together in this single act (Becker, 2010). The Sex Discrimination Act 1975, the Race Relations Act 1976 and the Disability Discrimination Act 1995 are some important acts which have been included in this Equality Act 2010.
Discrimination legislation in UK provides protection against the unfair dismissal and contractual terms of employment. Further, it promotes equality for promotion, transfer opportunities, training, redundancy, recruitment and payment benefits. In order to resolve the dispute regarding discrimination at workplace, regulatory body is developed i.e. United Kingdom employment equality law by British Parliament (Daniels, 2012). It is an integral part of UK labour law in order due to act of unfair discrimination is considered in category of offence. Following aspects are covered in equality framework-
Direct discrimination occurs in situation where employer treat an employee less favourably on the basis of protected characteristic. Such acts are unlawful in accordance with the Section 13 of the Equality Act 2010 (Kenner, 2003). If there is situation of discrimination then employer is required to provide justified reason for indifference. European Court of Justice had provide confirmation that each person is entitled to make claim of discrimination even they re not covered in provisions of protected characteristics by the case precedent of Coleman v Attridge Law
According to the Section 26 of Equality Act 2010, an individual is said to harassed if they are engaged in undesirable conduct due to their protected characteristic. In addition to this, conduct should be violating of dignity or should be able to create hostile, intimidating, humiliating, degrading, or offensive environment.
According to the Section 26 of Equality Act 2010, victimization can be defined as an act of subjecting a person to further detriment because they had tried and made claim against the act of discrimination conducted by employer (Larson, 2013).
In accordance with the Section 19 of Equality Act 2010, indirect discrimination is also unconventional act. Indirect discrimination occurs when applicability of any provision in workplace have negative impact on individual which is not objectively justified. For this aspect case of Ojutiku v Manpower Services Commission [1982] EWCA Civ 3, [1982] ICR 661 can be considered.
There is high influence of European law on employment law and employment relations. European Union (EU) employment law provides protection to employees from the unfair conditions of employment contract. In this aspect, conditions such as part-time and fixed-term work, equal pay, working time, discrimination and the protection of pregnant workers is covered. Organizations are required to form their work policies in accordance with provisions (Wadham, and et. al. 2010). Objective of these provisions is to ensure that there are fair policies and employer is not taking unjustified benefit of their workers. Following provisions are inserted by the virtue of UK membership in European Union-
Equality Act 2010 have its own advantages and disadvantages in workplace. This Act is developed to provide protection to employees from unfair biasness. With the provisions of Equality Act, employer are able to create positive work environment where employees are motivated to provide better performance (Whincup, 2008). Further equal opportunities is provided to employees for future growth and development. With this approach, employers are able to retain employees in workplace and to develop better image of company in market. Main benefit of these provision is that similar platform is provided to all employees due to which they have to operate by considering standard norms. In this manner biasness by considering unfair background will be eliminated from workplace and society. In accordance with the report on discrimination law, affirmative action is a proper way to make suitable policies for employment contract by making reduction in inequalities. In addition to this, it will make increase in standard performance.
Along with the above described benefits there are certain disadvantages of law for organizations and individuals. Sometimes it provides unfavourable attention to employees due to which performance of qualified employee can be appraised in a proper manner. For example higher payment of salary is considered as discrimination in situation where there are both protected characteristics and justifiable reasons. For example an employee because he is qualified but he has similar belief to the employer. By considering this aspect, other employee has right to make claim for the policy for inequalities in payment policies. Such instances will create negative image in the industry of company due to which environment of workplace will be affected in adverse manner (Palmer, 2014). Rivalry firms take advantages of such situation to increase potential loss of business by favouring victims. In accordance with the report of Issues in Employment Law: key issues for the 2010 Parliament, affirmative action laws and policies have a reverse effect to the process of providing indemnification for wrongs in the society, because they only value groups (such as race and gender etc) instead of individuals. Further, in equality law there is provision of socio-economic equality duty in public sector organisations. Due to this provision, organization face issues in providing pay to workers in accordance with their efficiency. In addition to this provision of mandatory retirement is also not justified. It is because, this provision is unsuccessful legal challenge on judicial review as it arises question that whether it complies with legislation of European Union.
By considering above described aspects it can be noticed that there are various advantages of provisions of Equality Act 2010 along with its benefits. These loopholes will be altered by considering proposed changes in order to promote fairness and equality in workplace.
Equality Act 2010 provides the protection at workplace from discrimination occurred due to unjustified factors. In EU legislation, these factors are termed as protected characteristics. Description of these factors is enumerated below-
Age- In this aspect, individual or group of people are covered of particular age group. At workplace, if employees or potential employees have similar age group then they share protected characteristic of age.
Disability- In the Equality Act 2010, disability can be defined as the mental or physical impairment which has an adverse impact on the ability of individuals who are performing daily activities. People have disability characteristics in past are also covered in this category.
Gender reassignment- This protected characteristic is applied in situation where individuals have proposed or changed their gender (The Workplace and Gender Reassignment, 2014). Such individuals are known as transsexual person and they share the characteristic of gender reassignment.
Marriage and civil partnership- This characteristic is applied on individuals who have common characteristic of being in civil partnership or married. Example of such relationship is the couple of two men or women and marriage of heterosexual women or men. In accordance with the Section 1, Marriage (Same Sex Couples) Act 2013, in this aspect, following individuals are not covered-
Race- In this characteristic, nationality, colour and origin factors are covered. People who share similar racial characteristics belong to a particular racial group (Palmer, 2014).
Religion and belief- This characteristic covers people with philosophical and religious belief. In this Act, following examples of religion are covered-
Individual who had committed a criminal offence will not be covered in this provision (Stone, 2000).
Sex- In accordance with the provision of this Act, sex is defined as being a man or woman.
Sexual orientation- People sharing sexual orientation refers that they are of similar orientation and thus, they share the characteristic of sexual orientation.
At the work place, generally discrimination is occurred due to disability and maternity. In accordance with the Equality Act 2010, employer is responsible to treat disable qualified employee in a fair manner. In addition to this, protection is also provided to disabled person in provisions of indirect discrimination (Grounds of discrimination: definitions and scope of protection, 2014). In accordance with the case of Aylott v Stockton-on-Tees Borough Council [2010] EWCA Civ 910, employer is required to provide fair chance to disable person by making appropriate arrangement. In this case, court held that employer is not entitled to terminate the contract. Similar situation can also be noticed in case of Leonard v Southern Derbyshire Chamber of Commerce [2001] IRLR 19.
At most of the workplaces, employers provide priority to male employees over female employee. Main discrimination arises in the period of pregnancy and maternity leave as female employees are entitled for paid statutory leaves. Such kind of discrimination is not fair in accordance with the provision of Equality Act 2010. Employer is required to provide equal opportunities to male and female employees (Employment contracts, 2014). In addition to this, they should form proper work policies regarding pregnancy and maternity leaves. In situation where act of employers are contradictory to legislation of Equality law, employees are entitled to make the claim for damages to Employment Tribunal.
Present project report depicts that inequality practices in workplaces on the basis of protected organization is not justified. Business organizations are required to consider legislatory norms while developing contractual terms for employment contract. In situation where action of employer will be contradictory to legislatory norms then they will be liable to provide severe damages. Employers are required to promote equality in workplace to comply with these norms. These policies will also be beneficial for organization as they will be able to motivate employees to provide better performance. In addition to this, they can enhance retention ratio to made reduction in cost recruitment and training of new employees.
Introduction A contract can be defined as a voluntarily and legal relationship between two or more parties. It binds contracting parties in legal relations through the written form of the contract as well as provides rights and responsibilities to each party in against of another. To convert...ReadMore14 Pages 3436 Words 2363 Downloads
Introduction In present era, contractual agreements are increasing day by day, there is a need of guidelines and principles so as to avoid unfair practices (Milner, 2011). For this purpose, contractual law is established by British parliament. In absence of contractual relationships, duties are...ReadMore16 Pages 4098 Words 2040 Downloads
Introduction Contract and negligence law is crucial part of English civil law as it provides description regarding standard guidelines for individuals for fair conduct. These guidelines are mandatory to be followed by individuals else they will be held liable to provide damages for...ReadMore13 Pages 3241 Words 2295 Downloads
Introduction There are certain laws which are established in between government bodies and individuals. These relation is made with the application of law and created to impact direct on to society(Scheingold, 2011). Such relations are governed by communal laws which are mandatory to be followed...ReadMore14 Pages 3383 Words 6290 Downloads
Introduction The agency law is the law that marks the contract between the two bodies of the organisation in the organization or society which have the authority to make the situation of the contract favourable or break the situation. The following work of the report support the smooth operation...ReadMore7 Pages 1847 Words 6698 Downloads
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20 February 2013
All sales of font software are final. Sorry, but we can neither refund money nor swap incorrect font license purchases. There is no way for us to verify that you no longer hold copies of the font software. If the font software is defective it shall be replaced by the same software if accompanied with purchase receipt and we are notified within 10 days of purchase.


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Worldprofit Home Business & Affiliate Marketing
Welcome Friends - Lego and other cool stuff for kids aged 0 - 99 can be found here. - Thank You for stopping by and also for sharing this site with your Friends & Family. Follow us on Twitter & become a Fan on Facebook ~ click the links on the left side to see how ~ Thank You Friends ~ Let's have some fun!
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Before you comment
The comments section is here to provide a platform for civil dialogue on the issues we face together as a local community. Xpress is committed to offering this platform for all voices, but when the tone of the discussion gets nasty or strays off topic, we believe many people choose not to participate. Xpress editors are determined to moderate comments to ensure a constructive interchange is maintained. All comments judged not to be in keeping with the spirit of civil discourse will be removed and repeat violators will be banned. See here for our terms of service. Thank you for being part of this effort to promote respectful discussion.
2 thoughts on "Just merged"
What a sexist drawing! No sensitivity to same sex marriages.
At least the bride is heavy and the artist supportive of all body types. That and the lass catching the bouquet has hairy armpits.
Or maybe the "lass catching the bouquet" is a dude in a dress?


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VALENTINE'S Day at
il caffe di napoli
According to legend, Cupid's arrows comes in two varieties: the Golden Arrow, which generally signifies true love, and the Leaden Arrow, which represents wanton and sensual passion. He is also known to sometimes carry a torch with which to inflame desire between men and woman. Cupid is not always successful in his endeavours, however. Sometimes his arrows turn people away from those fall in love with them. In some mythological tales, Venus was scratched by one of Cupid's arrows while playing with her son, the result being that the Goddess fell instantly in love with Adonis...the first man she saw after receiving the wound.
Valentine's Dinner Menu
To Start
Salmone affumicato con barbabietola rossa
Smoked salmon served on a fresh beetroot rosti with andive salad
Zuppa Toscana
Freshly prepared soup made with roasted carrots, celery, onions,borlotti beans, lentils, fresh herbs, With 'Heart' Crostini
prosciutto di parma con asparagi
Fresh asparagus sautéed in butter & wrapped with Prosciutto di Parma and hollandaise sauce
Funghi Trifolati
Wild Mushrooms lightly pan fried in butter and EV olive oil, with fresh leaf parsley,
Seasoned with garlic, black pepper, sea salt, served on a crispy polenta cake
Main Courses
Filletto Rossini
9oz aged prime fillet steak glazed with a Barolo Red Wine & Blackcurrant sauce.
With fresh asparagus and hand cut French fries.
Spiedini ai Fruitti di Mare
Fresh scallops and prawns marinated and grilled on a skewer.
Served on a delicious seafood risotto
Filletto di d'Agnello Crosto D'Erbe
Our chefs special creation...
Lamb fillets crusted in a fine herb and light mustard coating & pan-fried to taste.
Served with Dauphinoise potato & Ratatouille di verdure.
Anatra con Ciliegia
Breast of oven Roast Duck, in a Morello cherry, red wine & port glaze.
Served on a bed of sautéed baby spinach, with creamy mash potatoes.
Grilled Swordfish served with new boiled potatoes and rocket salad,cherry tomatoes,light pesto dressing
Salmoriglio is a vibrant Italian sauce of olive oil, lemon, garlic, parsley and oregano
Chocolate Fondant
Warm Chocolate fondant with Italian ice cream
Our very own homemade Italian classic Savoiardi sponge biscuit, layered with a mascarpone cream, espresso & Marsala wine
Our rich double cream Madagascan vanilla pudding


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Adult Zipper Hoodie I Really Dont Care Do U Jacket Trend Viral Outfit
Cool Adult Unisex Full-Zip Hooded with the Back print of I really Don't Care Do U?. Nice Unisex regular fit made of 50% cotton, 50% polyester. Reduced pilling and softer air-jet spun yarn, 1x1 athletic rib-knit cuffs and waistband with spandex, Unlined hood with matching drawstring, Split front pouch pocket, Metal kissing zipper, Double needle stitching at waistband and cuffs. Best Quality Fabric, Cozy, Soft and Comfortable. Adult Unisex Sizes- For best fit and easy way to choose your perfect size please refer to the picture we've created with the size chart and guide. This high quality product can be washed as you wish and exactly as you always wash your other cloths. From years of experience, we recommend to wash it inside-out with cold water and no dryer for best results. All Sizes and Cool Colors Are Available!
Next Level Shirt
Product Description:
- Brand New Item
- 50% Cotton 50% Polyester
- Soft Fabric
- Best Quality
- Cool Print
- Turn Inside Out, Machine Wash Cold, No Bleach, Iron Inside Out
Handling Time-
We ship our items 2-3 Business days from receiving payment. We are trying to do our best and make it the fastest we can!
For urgent cases, please contact us by message and we will help you!
U.S Shipping:
- We ship our items via USPS.
- We use USPS Priority Mail (1-3 Business Days) or USPS First Class Mail (2-6 Business Days)
International Shipping:
- We Ship Worldwide.
- International Shipping Via USPS First Class Mail International.
- Shipping time may vary and can take between 7-30 Business Days.
Return Policy:
We accept returns within 14 days, unused items and in new condition.
In order to return an item please contact us and we will help you resolve the issue.
We would deeply appreciate an honest feedback from you, which will help us know how we did.
You're welcome to contact us if something went wrong or with any other issue with the purchase.
Your request is important to us and we will do all we need to make you Pleased with your order.
Our customer service team is here for you and will work hardest to provide you a quick and prompt response.


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We've worked hard to make sure you're covered with great doctors, hospitals, clinics, and other healthcare providers.find a provider
Learn about the new and simplified Friday Health Network.read now
Friday Health Networks
It's Friday in Denver, Colorado Springs, the San Luis Valley, Durango, Northeast Colorado, and beyond! We worked hard to make sure you can get covered with great doctors, hospitals, clinics and other healthcare experts. Unless you're in a true emergency, Friday Health Plans will only cover you if you stay in this network, so take a look at our healthcare partners—we think you'll like what you see.
- Denver Metro and Grand Junction
- Northern Colorado
- Southern and Eastern Colorado
Hospital and Doctor Networks
The Friday Colorado Network
- SCL Health
- Children's Hospital Colorado
- National Jewish Health
- Centura Health
- New West Physicians
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Urgent Care Facilities and Options
- Concentra
- Locally contracted urgent care centers
- DispatchHealth (Denver, Boulder, Colorado Springs)
- Teladoc.com
Prescription Coverage
Free preferred generic drugs are kind of our thing. Search here to see if yours is on the list.
To search a full list of in-network doctors and facilities near you, plus additional independently contracted pediatricians, OBGYN's and primary care doctors in all regions, CLICK HERE or call 800-475-8466


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Studio: VirtualTaboo
Date: June 29, 2018
Starring: Anya Krey
Desc: I always thought my step step-sister Anya is a great nymph. Till the day when me and my buddy found a cage under her couch with freaky stuff inwards. We found a flog, a cangue and other mischievous things like hatch ball gag. We were literally perplexed and at that moment she came to couchroom. We had some joy over her very first and then we both with my buddy sensed mighty swelling in denim. Anya was pretty amazed watching this and agreed to get this soiree began even before we asked..
Download VR porn video Unboxing My Sister And Her Kinky Mysteries
Download links available only registered users


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Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Be the first NJ.com user to add photos or videos of Design Imperative
Design Imperative is located at 17 Cotters Ln, East Brunswick, NJ. This business specializes in Telecommunications.
Design Imperative can be found at Cotters Ln 17. The following is offered: Telecommunications. The entry is present with us since Sep 8, 2010 and was last updated on Nov 14, 2013. In East Brunswick there are 2 other Telecommunications. An overview can be found here.


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The Roadshow Pitching Sessions are coming to Blockchain Gamer Connects London. Taking part in a live pitch to a panel of investors on stage, entrants will compete to secure investment and win a mighty promotional prize for the best five-minute pitch, 'Shark Tank / Dragon's Den' style.
Why spend weeks and countless emails and calls trying to get face time with investors, one at a time, when you could pitch to a whole panel of active blockchain investors looking for opportunities in the sector? And you might just inspire a bidding war…
It takes place on the final afternoon of the two-day conference and entrants will deliver the pitch of their lives in front of a live audience, then face questions from the investor panel.
This is sure to be an exciting session, whether you're taking part or watching from the audience as you pick up tips and tricks for what makes a successful pitch.
If you think your project has what it takes to win the prize and perhaps even persuade the investors to part with their cash, then apply for a slot.
Promotional prize
Not only will entrants stand the chance to secure investment, but the panel will also award the best five-minute pitch a whopping $7,500 promotional package across BlockchainGamer.biz and PocketGamer.biz.
Applications are now open.


text: Singer Mary Lambert, made famous by her stunning vocal accompaniment to the smash hit "Same Love" by Macklemore and Ryan Lewis is now a solo star in her own right. Mary brings pure joy and candor to her music and everything she does -- and she is very passionate about food. Tuck into one of the most delightful interviews you'll ever hear, and learn the not-so-true origins of chicken fried steak that no one in Lamesa, Texas will ever complain about.


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Mx Umbrella
Product description | Item No. 22458
Completely unique must have item for 2010! Compact umbrella with super bright torch built into the handle!
As Shown
240 x 42mm
Some of the country's biggest companies trust us with their most valued asset – their brand.
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