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There are many reasons why you may wish to lay claim on the money that you've spent on payment protection insurance (PPI). There are chances that you were coerced into buying such type of a policy by an overbearing salesperson, or maybe you didn't understand that PPI had been incorporated as a part of an evidently overpriced insurance package. A quick and wide-ranging resolution is Whatever may be your reasons for making a claim, a quick and comprehensive resolution is to be searched for.
The people, to whom the PPI is mis-sold, opt to handle the claim filing procedure themselves. In order to be successful these people must write a brief letter, summarizing the conditions and circumstances of their case, and clearly expressing the reasons why they are accepted for a refund. The most sensible and logical claims might as well be turned down by the insurance providers, Even the most reasonable claims may still be rejected by the insurance providers, leaving the displeased customer with minorchoice but to seek the help of a financial Ombudsperson.
It might be beneficial contacting a professional claims handling company, if you consider making a direct claim as stressful and chaotic and you believe that you can do without it. A number of these service providers possess expert knowledge regarding the PPI industry and have full authority delegated by the Ministry of Justice. They may ensure quick and just solutions to complex claim cases.
One great way to find find a reputed company is to use the independent review websites to full extend. Once you've read the customer feedback carefully, you'll be left with a clear view of which companies to trust and which to avoid.
The projected fees for handling a claim is the factor that may possibly have the biggest impact on choice of company. Despite the fact that only a few companies call for upfront payment, some require a larger compensation than others. It is best to avoid those uncertain companies that do not give a clear outline of their charges to potential customers.
How to File a PPI Claim?
A payment protection insurance helps people to pay off their debts and unsecured loan, in the event of sudden loss of earnings due to various reasons. However, most individuals except few are unaware of the condition that if they are a student or self-employed or a retired person, in general they do not qualify for this cover. Yet, it has been sold on the basis of misinterpretation and misapprehension by a number of banks and companies. And if a person has been mis-sold PPI, then to file a PPI claim is their legal right.
If you ascertain that a fault exists in your policy, then you are lawfully authorized to reclaim PPI refund. You must file a claim immediately to recover all your money if your bank or dealer disagrees to pay back all your premiums. Oftenly, people defer to file an allege, as they don't want to get engrossed in further legal hassles. Still, with many expert solicitors managing the procedure, it has become simpler to apply for compensation and get what you deserve. All you have to do is follow the following steps.
Hire an Expert Lawyer or Agency:
Once you find out that you have been mis-sold PPI, on the first place ask for the assistance of an experienced attorney, who will help you throughout the process. They will guide you with the legal steps and help you with the documentation. However, to make sure that you are being guided in the right way, check your attorney's background and reliability.
Apply for an Examination and Review:
After making your decision on the lawyer or a company, you must apply for an audit. It is a significant step as it makes certain at later stages that they proclaim was studied. You may either ask a specialist to assess your claim or put in your legal details and get it assessed.
Get the Claim Evaluated:
Once you have submitted the application for a review, the experts or your attorney will analyze it. They will confirm and verify all aspects, which would help you to qualify for the refund. Consequently it is important to hire an experienced lawyer to take your case, as they can certify and legitimatize the claim, also can ascertain the highest amount of compensation you could qualify for.
Receive your Claim:
Once the assessment is over, you just have to wait a little to receive the compensation. The compensation amount and period of the refund depends on the terms and conditions of your cover.
The case is that mis-selling of PPI is wide-ranging. But, the majority of people are unaware that they can claim back PPI and as a consequence they are losing out a great amount of the repayment. And so far if you have fend off yourself, claim back PPI now!


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$ 1,199.00
Dakota Chair
Mid Century Modern Home $ 849.00
Mid Century Modern Home $ 849.00
Tufted Perfection, alluringly boxy shape with straight lines and soft cushion, the Dakota Chair is tufted throughout its design. Lending for durability and comfort all-in-one.
Choose from any fabric option and base option (wood or metal) depending on your preference and design needs.
Complete your room with the Dakota Loveseat and/or Dakota Sofa! As a bonus with all our products, you also have the option of getting your name embroidered on a tag during checkout.
Overall: 34"h x 84.5"w x 34.5"d
Seating: 18"h x 78"w x 22"d
Armrest: 22.5"h x 3"w

subset: commoncrawl


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Travel to France w/ Peanut Allergy
I am headed to Paris this summer (with a peanut allergy), and I was wondering if anyone could give me any tips/advice on how to handle my allergy abroad. I'm very apprehensive/nervous about doing this, so any information would be greatly appreciated! Thanks! On May 26, 2008 ...read more


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About This APP: AntiBrowserSpy : an anti-espionage muzzle for Windows-based browsers— with "Do Not Track" function! Surf securely. AntiBrowserSpy, a Windows application, avoid that your browsers collect personal and unsolicited information. It's not needed expert knowledge: the user-friendly interface as well as the Stealth-Browser and the SociaBlock features. These features stop data from being sent to Facebook and other sites in all major browsers.
AntiBrowserSpy, a Windows application, evaporates this involuntary flow of data and bridles your loose-lipped browsers. It renders your browsers silent, subordinate to your privacy concerns. And it's compatible with all six major browsers: Microsoft Internet Explorer from Version 8, Microsoft Edge, Google Chrome, Mozilla Firefox, Apple Safari and Opera. Furthermore, the tool now also supports the t-online.de Browser.
The application's Stealth-Browser feature prevents Internet Explorer, Firefox and Chrome from recognizing the user based on his or her browser "fingerprint". A Google Analytics blocker and a local browser-cleaner (cache, cookies and history) round off AntiBrowserSpy core functions…
- One-Click-Protection – Many espionage features of common web browsers cannot be disabled by PC users – even experts cannot turn off all of them. AntiBrowserSpy makes it very easy to control all browser settings. With one mouse click you can configure the settings of all your browsers and disable even hidden espionage features.
- Stealth Mode – The stealth feature radomizes your UserAgent, so your browser fingerprint cannot be tracked backed to you.
- Remove Internet Traces – AntiBrowserSpy allows you to remove Internet traces easily. This contains the removal of history entries and web cache. Download lists and typed URLs can also be cleaned. Additionaly AntiBrowserSpy contains a cookie manager allowing you to view and protect specific cookies.
- Auto-Cleanup – Schedule cleanups and backups – AntiBrowserSpy can automate all main functions, too. For example it can clear all cookies on Windows startup. The program offers you a friendly user interface and plenty of detailed information for every function.
Release Name: Abelssoft.AntiBrowserSpy.2019.v257-DVT
Size: 13 MB


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Home School Support Practitioners
Our Home School Support Practitioners are Jaime McDonald and Helena Loizou. They work to support children and their families to get the most from the educational opportunities on offer.
Jaime McDonald
Home School Support Practitioner
Email: email@example.com
Helena Loizou
Home School Support Practitioner
Email: email@example.com
Our role involves:
- Ensuring your child attends school
- Acting as a link between home and school
- Listening to you; advocating
- Offering practical suggestions and advice
- Going to meetings with you
- Promoting regular attendance
- Facilitating a parent drop in
We can help with information and advice on:
- Fitting in at school
- Housing and money worries
- Sign posting to relevant agencies
- Benefits and support
- Entitlement to free school meals
(Click here for more information School Meals)
- Supporting your child's learning
- Getting to school on time
- Health issues and family support
- Behaviour in school
- Courses, training and volunteering
- Bereavement


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Re: WSUS Update ReportsSolarWinds Community Team Jul 2, 2012 4:53 PM (in response to SolarWinds Community Team)
What "Date Range" are you interested in filtering by? [a] Release Date, [b] Approval date, [c] Installation Date?
The base level report for this data is in the Computer Update Status report in Windows Server Update Services Analystics.
The only thing missing from that report is the desired date range.
Arrival Date and Release Date are available in the "...with Update Information" datasource, as well as some others.
Approval Date is available in the "...with Approval Information" datasource.
Installation Date is only accessible from the Windows Update or Installed Programs objects from a Managed Computer Inventory.
Replicate the Computer Update Status report using the alternate datasource and add Arrival Date, Release Date, or Approval Date, and define the filter ranges for the dates and the filter declaration for the desired computer.
For installation dates, use the Installed Programs report for updates currently installed, or the Windows Update History for any updates that have ever been installed, and apply filters to the applicable installation date column.
For additional details or assistance with this report, please contact us and we'll be happy to set up an interactive GoToMeeting session and discuss this report and/or other report customization capabilities available in the Extension Pack.
Re: WSUS Update ReportsSolarWinds Community Team Jun 14, 2012 1:27 PM (in response to SolarWinds Community Team)
This sounds like a good plan. I'm looking for both approval date and installation date. I'll follow the path you suggest and check my results.


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See the 19-Year Old Girl That Was Caught With Loaded Pump-action Riffle in Anambra State
Unlawful possession of arms is a major crime in Nigeria and 19-year-old Chika Chukwu has been convicted of that crime. The Anambra State Police Command has arrested her for unlawful possession of a pump-action gun. The Police detectives attached to the Central Police Station, Nnewi, in collaboration with the Okpunoegbu vigilance group arrested the girl on Thursday.
A member of the Okpunoegbu vigilance group said "the pump-action gun was loaded with four live cartridges and one expended cartridge. The 19-year-old woman was arrested at the Amahusa quarters on Thursday, where she concealed the gun inside a bunch of mopping stick in order to avoid being noticed."
The Police Public Relations Officer in the state, Haruna Mohammed also confirmed the incident saying, "on February 7, 2019, at 6am, following intelligence report, police detectives attached to the Nnewi Division in conjunction with Okpuno vigilance group arrested one Chika Chukwu, female, aged 19, of Okpunoegbu Nnewi with a pump-action gun loaded with four live cartridges and one expended cartridge at Amahusa quarters Nnewi. The suspect concealed the gun inside a mopping stick. The case is under investigation in order to ascertain the motive behind her action after which she would be charged to court".
Just like Chika, popular sensation Small Doctor was arrested for unlawful possession of arms in December 2018. The Lagos State Police Command arrested Adekunle Temitope, popularly known as Small Doctor, for unlawful possession of firearms and for allegedly threatening to shoot a police officer. Edgal Imohimi, Lagos State Commissioner of Police, revealed this to the press on Monday while parading the musician along with three other persons. Small Doctor was arrested on allegations that he threatened a Police officer who was on traffic duty along Oshodi, Lagos. "It was alleged that some unknown men, four of them, in an unregistered green SUV had brought out a gun and threatened a policeman that if he does not leave the road, they will shoot him," Imohimi said.
"Believing that they were armed robbers, I sent out my men and fortunately, with the DPO in charge of Shogunle division, they were able to intercept them and the men were arrested and were brought down to the headquarters for interrogation.
"It was then discovered that one of them is the same Adekunle Temitope, a.k.a. 'Small Doctor'. They were arrested in possession of a functional rifle, cartridge and some of their personal belongings."
According to the commissioner, 'Small Doctor' had earlier been involved in a similar offence and is currently under investigation for firing live ammunition at the Agege stadium after a show on November 27. He said: "Adekunle Temitope, a.k.a. 'Small Doctor', was arrested and taken to the state CID for questioning. He was alleged to have fired a gun; the pellets from the gun injured four people who were rushed to the hospital." 'Small Doctor' will be charged to court for prosecution.
SOURCE: LIB/Gistmania
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We caught up with Eilyn Cueto of Sire Design who dishes on the firm's latest project — the chic Douglas Elliman office space in the South Of Fifth neighborhood of Miami Beach.
Golden hues and modern touches make this residence the ultimate design enthusiast's dream home.
Haute Residence caught up with Davidson to discuss her love for art and how she works with clients to create the perfect pieces.
The visionary mastermind behind the highly-coveted staging company dishes on how she first got started in the industry, the creative process behind each project and the number one rule she lives by when it comes to design.
We caught up with McKinlay and Rose, who dish on their latest project featuring neutral hues and eccentric rug patterns.
Haute Design by Haute Residence sat down with the renowned designer for a closer look at her latest project and how the incorporation of textures and natural elements accentuate each room.
These aromas will transform your luxury home for the better.
Haute Residence caught up with the acclaimed interior designer who shares insight into his latest project located at Il Villaggio Condominium.
Logica Celata crosses the ocean and lands in the States: first stop Miami, Florida. Together with the local partner Hausscape.
Living in a historic home can offer many charms. There is a lot of character, attractive lines, and artistic moldings found in most historic homes from popular eras.
Haute Residence sat down with De La Nuez for an in-depth look at his evolution as an artist, what his creative process is like, how his art resonates with collectors and more.
The texture of a palm frond or colorful volcanic strata on a hillside or canyon wall carved by millions of years of erosion never fails to inspire Lisa Samuel's design work.
Haute Residence is brought to you by Haute Media Group | Disclaimer


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Hinako Sakura
- The Chick: The heart of the group.
- Lovable Coward: She's an absolutely normal teenaged girl who keeps getting caught up in battles between literal superhumans. Her best chance for survival is to get out of the way and take cover.
- Put on a Bus: She rarely makes an appearance once the Dark Student Council starts.
- The Bus Came Back: During Ousama Banchou's Banchou Hunt.
- Promotion to Parent: Takes care of her little sister because their parents are overseas.
- Only Sane Man: Reacts to any given event's awesomeness with exasperation from the ridiculousness of the situation.
- Ship Tease: With Akira.
- Supreme Chef: In the Distant Epilogue, she now owns a world-famous pudding shop.
Ouda Takeshi
- Boxing Battler: A trained boxer.
- Calling Your Attacks: Killer Blow and Needle Rush.
- Demoted to Extra: Hasn't been seen for a while after being beaten by Iai Bancho.
- The Worf Effect: Loses to Iai Bancho to show how powerful the 23 Bancho were.
Tsukumi Sakura
- The Cutie
- Kid with the Leash: This adorable tiny girl has the absolute loyalty of Machine Banchou.
- Morality Pet: To Machine Bancho.
- Third-Person Person
Karabi Mitsunobu
- Ax-Crazy: He takes baseball far too seriously, and attacks people who even casually mention a sport other than baseball.
- Batter Up!: Karabi's motif.
- Calling Your Attacks: Karafuri Full Swing and Bunt.
- Cool Mask: That of a catcher.
- Curb-Stomp Battle: Loses to Akira, Rai, and Haruka easily.
- Irony: The fact that he, a baseball enthusiast, is the minion for the Iai Bancho, a traditionalist samurai, is even lampshaded by the author.
- Red Baron: "Homerun" Bancho, even though he isn't one himself.
- Smug Snake: Tries to get Akira to not fight back. It doesn't work out for him.
- Starter Villain: While not a Bancho, he's the first enemy from the 23 District Project that Akira defeats.
- The Worf Effect: Kinda sad if you're beaten by a kindergartener, but his defeat by Haruka plays it straight.
Dr. Kouichirou Kagimiya
- Abusive Parent: To Machine Bancho.
- Big Bad: Of the Machine Bancho arc.
- Evil Genius: Tries to win the project to gain control of Japan, as well as making robotic mooks.
- Four Eyes, Zero Soul
- Giant Robot: uses this◊ once Machine Bancho fails his objective.
- Our Giants Are Bigger: The robot is very big.
- Jerkass: Smacks Dr. Tsukina for trying to teach Machine Banchou about empathy.
- Just a Machine: After Machine Bancho proves useless, he calls him a failure.
- Kick the Dog: See Just a Machine for more details.
- Also killing Machine Bancho from behind.
- Mad Scientist: Makes robots for his evil utopian dream.
- Perma-Stubble: He seems to be perpetually unkempt.
- Politically Incorrect Villain: No, Kagimiya, you can't hit women.
- Red Baron: New Machine Bancho.
- Smug Snake: Because of his robot, he thinks he's destined to rule over Tokyo.
- Who's Laughing Now?: His initial motivation for creating Machine Bancho.
Onji Kairiki
- The Big Guy/ The Brute: In Kobushi's gang.
- Huge Guy, Tiny Girl: With Kobushi.
- Our Giants Are Bigger: And he's not even the biggest by a long shot.
- Undying Loyalty: To Kobushi.
Seitaka and Kongara
- Bald of Evil: When they were bad guys.
- Calling Your Attacks: Jindan Chouryou Ben (Human Bullet Domination Whip) and Hanseihou (Soul Searching Violence).
- Kick the Dog: Beat Oyanana up for trying to protect his friends, even though he's manipulated the latter before with his influence.
- Our Giants Are Bigger: Seitaka.
- Those Two Bad Guys/ Those Two Guys: One's very big and one's small.
- Undying Loyalty: To Raionji.
Oyanana Hikaru
- Character Development: Goes from being a Jerkass and Dirty Coward to someone who stands up for his friends, even calling out Nenbutsu.
- Dirty Coward: Prior to his Character Development.
- Jerk with a Heart of Gold
- Meaningful Name: "Oya" means parents, which he used relied on to intimidate people before Akira scared it out of him. "Nanahikari" in Japanese is the expression for not being able to shine on one's own, relying on their parent's radiance. Basically, someone whose fame or success is only owed to their powerful parents.
- Smug Snake: Before Akira scared him straight.


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This grouping of words is primarily influenced by previous research into semiotics.
It is heavily related to the group ' Meaning : Connections : Relational Aesthetics : Definition : Association : Semiotics : Interpretation'.
This group is slightly more focussed on an interest in language and the ways we use words to describe aesthetic, philosophical or emotional ideas.
Despite being terrible at spelling them, I have always loved words. I am currently carrying a dictionary from 1964 in my bag and loving the older translations of words.
Once we reach a certain age our thoughts, and philosophically who we are, is shaped by the words we use and the meaning we ascribe to them. Learning new words adds nuance to emotions, experiences, and ideas.
Words shape what we think and are one of the most powerful tools we have.
The connection between subject and object is rooted in our language, in the way we structure sentences.
This link shows directly through my perception of my assemblages and installations; as conversations, with individual elements being words in a sentence, each construction speaks to and influences the others. In a similar way to the ways words and letters interact with each other.
This influence is external to the work. It is not something inherent in it that i am exploring or examining. It requires contextual knowledge and a perceptual viewpoint. It has risen from research done in the last module, and is something that exists as a continuing personal interest during this one.
One interesting thing i would like to note is that i plan, and have begun, to use words and numbers in my works. However, i believe this is more due to a link to documentation than to language.
Upon writing this it is clear that while these words are of personal interest, and may become more prevalent in the work, they are not a focus.
However (and maybe this should be in capital letter) this reflective exploration is an example of the importance of words in my practice. I am using them to unpick the works and understand my motivations for them. As a way to focus the message, understand the inoperative elements and to drive the practice on (contextually).
Words are the only manifestation of this part of my practice.
Here lies a tangent - (Here I would include diagrams as a form of words and language, as they are trying to communicate an idea. - but isn't that the point? That the visual aesthetic of words is arbitrary, they contain meaning because we attribute it to them. Their shape has little to do with the sound and nothing at all to do with the meaning of the word. Whereas diagrams and artworks, are the idea. They embody it and the meaning is both in the form and in the meaning attributed to them.
In a diagram the point is to show an idea without words, or often around them. In art can we do the same? Or is it from a different source?)


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Voices of Reason?
Read Now
A report by a BBC Defence Correspondent recently suggested that defence may be moving down the list of government priorities. This would be alarming if true. Defence and Security have always been the first responsibilities of government, and must remain so.
Perhaps it is this prospect that has led to a spate of speeches by service experts warning against further damaging cuts to the defence budget and, therefore, capability. It was particularly refreshing to hear General Sir Nick Carter feel able to warn that we are falling behind potential enemies in capability.
Dare we hope that the voices of reason and expertise are beginning to prevail over the "bean counters"?
UKNDA is in favour of allowing serving personnel to speak out on defence matters in a way that has not been acceptable in the past. For the safety of our nation it must make sense for those with the expertise to be allowed to express their views. After all, they are the people tasked with fulfilling that all important "first responsibility of government".
David Wedgwood
Comments are closed.


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Ambelia Village Review - 7 of 10 Reviews
This is a hotel review for Ambelia Village in Kyrenia, North Cyprus
"Stunning scenery and fantastic value"
If you want to experience authentic Cyprus this is the place to do it. We stayed at Ambelia Village for a week with GoNorthCyprus, who even arranged our transfers, so were able to relax from the word go. The hotel is small and relaxed with a very peaceful ambience, it's like a home from home. Not the most luxurious but very welcoming and laid back. The hotel occupies a fantastic spot at the top of the mountains with amazing views. Our room was clean and fresh and the staff were lovely. Another plus is the delicious food, absolutely brilliant and perfectly cooked, the food at the hotel was better than in the local restaurants! We can't recommend Ambelia enough and will definitely return!
Liked — Lovely location, nice staff, relaxing
Disliked —
We do everything we can to protect our hotel reviews from fraudulent submissions that affect ratings and rankings.
Read Next Review: "Just beautiful, what a great trip"
Read Previous Review: "Great break, great price"
- Value
- Rooms
- Location
- Staff
- Cleanliness
Reviewer Details
- Name: Amy
- Location: Leeds
- Review Date: Dec 4, 2017
- Date of Stay: December 2017
- Travelled With: My husband


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Take a look at awesome web camera that provides with amazing picture quality and couple of features that you will certainly love. This Megapixel 10x Digital Zoom F 3.85 mm webcam has lots of great features that will help you to chat with your friends and family. You will be able to make some photos of yourself and create interesting avatars. With the help of the flashlights that this camera has, you will also look stunning and nice, especially in the night time. Now check out some of the best specifications that a webcam could have.
Megapixel 10x Digital Zoom F 3.85 MM Driver Download
This web camera has some interesting features that you will love:
- The cam has 6 LED lights that will make your face look great at night
- Image Capture has a 800 x 600 Resolution that looks awesome!
- USB connection will make this webcam work fast and absolutely smooth
- Dimensions of this device are 4″ x 3″ x 3″
- Full support from Windows 2000/NT/Me/XP/Vista/Seven and Windows 8.1
Megapixel 10x Digital Zoom F 3.85 MM Driver Update
If you need to make this device work for you right now, just download and install this Megapixel 10x Digital Zoom F 3.85 mm Driver for this web camera. To download it right now you will need to click on the green banner below this post. After that save the file on your computer and after that just run it. Download of this file is absolutely free, so don't be worry about any fees and registrations. Check out more interesting things and drivers on this blog.


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8 Ways to Plan a Cheap + Beautiful Wedding!
by Tiffany Walking Eagle | 7-minute read
Weddings are such a tricky topic, and every bride has different priorities as well as pressures they feel. Some dream of a giant wedding with all their family and friends, while some would prefer something small and intimate. Maybe you're feeling like just saying heck with it and heading to the courthouse—totally understandable and there's nothing wrong with that at all—but if your heart still wants at least some form of non-courthouse ceremony, there are ways to have a beautiful wedding that doesn't cost a fortune.
This isn't a wedding blog by any means and I'm certainly not an expert on the topic, but I did manage to put together my amazing beach wedding for under 500 bucks (with help from family and friends!) and I don't regret a thing! Our tiny, intimate beach wedding was an absolute dream.
Every wedding is different and I can't guarantee you'll be able to spend under 500 dollars like I did, but with a little savvy, planning, and patience, you can save tons of money and still have an unforgettable day.
My Story
(Skip this section if you just want my tips!)
My then-boyfriend, Cole, had gotten a job offer in another state, and we'd been dating for nearly six years at this point. He proposed a week and a half before we had to move, so I planned our wedding in a week and a half. Yep….still pretty crazy when I think about it!
I had considered getting married at the courthouse, but I'm eternally grateful that my beautiful sister-in-law (who happens to be a professional wedding photographer!) talked me into having a small ceremony.
We got married on a gorgeous beach in Carlsbad, California with my sister, sister- and brother-in-law (who also took photos and video), two adorable nephews, and the minister in attendance. I wore my 30-dollar dress I found at a local boutique and stuck baby's breath in my simple, loosely curled half updo; my husband wore a simple button-up shirt that matched my bouquet and nice jeans and shoes. We threw an after-party at a local taphouse and eatery, and we had a blast celebrating with close friends. It was simple, a little messy, and absolutely perfect for us.
Choose what's really important to you.
Your wedding is your wedding. I know it's easy to want to please your parents, relatives, and friends, but if you're feeling pressured to have a huge, inclusive wedding and it's really not what you want, remember that the decision is yours and no one else's.
Just because society glorifies fairy tale weddings doesn't mean that's what's right for you. Frankly, my now-husband and I couldn't afford a huge wedding at the time, but we absolute loved our day and wouldn't change a thing about it. Even if we'd had the money for a big wedding, we probably would have rather put it toward a house or paying off debt or our future rather than just one day! #reallife
Don't feel pressured to please everyone else in your wedding. Include traditions and elements that are meaningful to you and your fiance, and let go of anything you're feeling unnecessarily pressured to do.
Also, you'll often find that by focusing on the things that are truly important to you, you can save loads of cash! Don't throw your money away to fulfill others' expectations of what your day should be.
Buy a bridesmaid's dress or shop thrift stores, overstock stores, or sales!
Bridesmaid dress?! Come again? Yep! I got this AWESOME tip from a stylist at a small wedding boutique. Many bridesmaid's dresses come in white or cream shades, and since they're not labeled as "wedding dresses" they are SO MUCH CHEAPER. I ended up buying a stunning, one-shoulder dress with lace detailing for $200. Funny story, I ended up not wearing that dress on my wedding day because I found a dress I liked even more at a local overstock store for $30.
You can also save money by shopping dress sales in stores and online, and hunt through overstock or thrift stores too. If you're willing to do a little digging, you may find something you totally love.
Do your own hair and makeup, or recruit a friend to help.
Whether you're beauty savvy or not, YouTube and Pinterest tutorials can be a lifesaver for doing your hair and makeup. Browse Pinterest for inspiration, and practice, practice, practice!
I'm no makeup guru by any means, but I'm halfway decent at doing my own hair and makeup. I watched a ton of beauty vloggers' tutorials on how to do a smokey eye, and it turned out great on the day!
However, if you'd prefer some help, have a friend or relative who knows a thing or two about makeup/hair help you. Whether professional or not, most of us know or know of someone who could help. If not, try asking for a recommendation on Facebook.
Throw an after-party instead of a reception.
If you can't afford a costly reception that provides food and drinks, invite friends and family to an after-wedding party at a winery, restaurant, brew pub, or a friend's house! If you can afford to provide some food and/or drinks and you want to, get creative. You could work out a deal where you purchase a certain dollar amount of drinks, then offer drink tickets to guests, and maybe serve simple appetizers.
If you can't afford that, don't feel guilty. (My husband and I couldn't!) Just let guests know ahead of time that it's a buy-your-own-booze party. Let me tell ya, most people will just be happy for the opportunity to celebrate your new marriage with you.
Pinterest it up.
Seriously, Pinterest is your best friend when it comes to planning a cheap wedding. Whether you're looking for decor tips or hair and makeup tutorials, you'll be able to find LOADS of resources on there. Pin ideas you love to help find ideas to make your day extra special, and there's plenty of tips on how to find things on a budget too.
Seek help on social media.
Need someone to do your flowers or help with decorating? Maybe you need some suggestions for venues, photographers, or makeup artists? Post on Facebook what you're looking for to simplify your search. Odds are that someone among your friends knows a friend or a friend of a friend that can help!
When my friend Heather heard of our engagement, she offered to do my bouquet for a great price. She was building her business as a floral stylist, and oh my gosh, she did an amazing job with my bouquet! See photo in the slideshow above.
The point is, if you reach out, you may be able to find someone willing to help you. You'll never know if you don't ask!
Settle on a photography budget.
If there's one thing I don't suggest you skimp on, it's quality photography. You can get crafty with your decor, find a beautiful dress that's affordable, and learn to do your own hair and makeup, but pictures last a lifetime. Decide how much you want to spend on photography (be realistic!) and then budget for other things accordingly. There are ways to save, for example, if you're just doing a simple ceremony, inquire with various photographers you like and see if they'll offer a smaller package. For example, most wedding photographers include 6 or 8 or 10 hours of their time in basic packages; you could ask if they'd be willing to do 2 or 4 hours at a discounted rate. Some photographers offer elopement packages that may fit your needs and your budget.
I was incredibly blessed that my sister- and brother-in-law own a photography business. They did an incredible job with our photos. If you're in the San Diego area, check them out! They're seriously talented, folks.
Research affordable or free venues.
You don't have to pay thousands of dollars for a wedding venue. Parks, beaches, backyards, and churches can be gorgeous, affordable, and maybe even free! Research laws in your area as to find out if you need to get any permits or notify any authorities that you'll be hosting an event. For the beach in Carlsbad, so long as we had fewer than 12 attendees, we didn't have to pay for a permit to hold our wedding there. I believe the permit was only around 100 dollars, which is still a steal compared to most venues! Get creative, do your research, and pick a spot that is (or will be!) meaningful to both you and your fiance.
All photos in this post taken by Walking Eagle Photography.
Have any other wedding tips you'd like to share? Leave a comment below!


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NSA: Suggestions of Massive Online Monitoring Inaccurate
The National Security Agency came to the
defense of its info gathering under the Foreign Intelligence Surveillance Act,
which has been under fire following stories about the extent of its collection
of online communications.
"The NSA does
not sift through and have unfettered access to 75% of the United States' online
communications," the NSA and the Office of the Director of National
That was in
reference to a Wall Street Journal article NSA said provide a "misleading"
picture of its collection programs.
NSA said that using
all its authority, NSA "touches" about 1.6% of the world's Internet
traffic, and that analysts only look at .00004% of that. NSA says it only
obtains info as the result of e-mail addresses or phone numbers of non-U.S.
persons "believed to possess or receive foreign intelligence
But it does concede
that in targeting terrorists who are not U.S.
"persons," NSA "may get both sides of a communications, but in
that case must follow procedures to protect privacy.
NSA says, finally,
that its FISA communications collection is "the most significant tool in
the NSA collection arsenal for the detection, identification, and disruption of
terrorist threats to the U.S. and around the


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Known Issues
Dear beta testers!
Below, you will find lists of issues that were already reported and our developers are working on them.
! The game does run on Windows XP, but you need to have the Service Pack 3 installed.
!! What if the game does not launch:
1. Please check if your computer complies with the minimum system requirements. Most of the time, the system will not launch the game if you have an old video adapter or not enough RAM.
!Make sure you extract the game from the archive, before launching it.
2. In addition you can try:
- Re-download the client (http://static.tankix.com/);
- Clear the Unity cache (delete all the files in the following folder: C:\Users\User\AppData\LocalLow\Unity\WebPlayer\Cache);
- Cancel the game file checking done by your antivirus (give permission);
- Try launching the game in a different mode (windowed / fullscreen);
- Try launching the game "as Administrator";
- Update the drivers and the DirectX up to the last version;
- Clear your computer with CCleaner and close all the unnecessary and consuming processes.
3. Wait for about half an hour - it is possible that we are conducting a last call maintenance.
4. Check the Help site for similar topics.
5. If you find yourself unable to fix the issues, please send us the game logs. See instructions here.
Customer support service by UserEcho


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Life Insurance Risk Market Inflows increase by 2.3% in 2016/17 to $16.1bn/
Overview of Life Insurance Risk Market Inflows & Sales: 12 months to June 2017
The Life Insurance Risk Market is comprised of both Individual Risk Lump Sum & Risk Income Insurances plus Group Risk Insurance.
Overall Risk Inflows continued to grow, albeit now at a much more modest pace than in the past, up a further 2.3%. Zurich (58.5%), due to its takeover of Macquarie Life's business, MetLife (15.1%), TAL (6.6%), BT / Westpac (5.4%), AIA (5.0%) and MLC (3.8%) all reported increases in their annual Risk Inflows while those of OnePath (0.8%), AMP (0.2%) and Suncorp (-0.4%) were little changed. CommInsure (-11.4%) saw its Risk Inflows decline.
However New Premium Sales actually fell 9.2% year on year. While mid-sized players MetLife (111.1%) and Zurich (30.3%) both recorded significantly higher annual Risk sales those of market leader TAL (-24.6%) along with a couple of other leading Risk companies AIA (-31.9%) and OnePath (-15.2%) were all substantially lower.
Source: Strategic Insight (Plan For Life)
Download Media Release (PDF): SI PFL Media Release Risk Insurance 617


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Burberry, which is struggling to get rid of price differences between regions, is this week's loser. What used to be good brand management – taking advantage of markets where you can charge $150 for an item that costs only $30 in the US – has become more difficult in an increasingly transparent digital world. Burberry's products are significantly more expensive in Asia than the U.S. or Europe. For example, the brand's iconic trench coat trades for about $2,700 in China and only $1,900 in the U.S.
In a Coke and Pepsi-like battle of the digital age, live streaming apps Periscope and Meerkat are competing for users; we think Periscope is emerging as the front-runner. About 40 years of footage are watched every day on Periscope, which also has the advantage of being owned by Twitter and can tap into the social platform's user base. But we also think it's a better designed app — and so do brands. Corporate experimentation with the platform ranges from T-Mobile's CEO jogging through Central Park to Ralph Lauren streaming its NY runway show.
We hear a lot about the death of email, but who's the executioner? One culprit might be Slack, an app trying to replace email for internal business communications. The company announced it has 1.1 million daily active users. Given its $2.8 billion valuation, that means each user is valued at a staggering $2,500. For comparison, LinkedIn's per user value is $282.
Number-two unicorn Airbnb saw incredible growth this vacation season, with over 17 million users this summer, up from 47,000 five years ago. Its fastest-growing markets? Not tourist destinations, but places where the Pope will stop on his 2015 tour.


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Parenting is a job. Unfortunately it's a job that doesn't come with a manual and it's a job that, during the years 0-5 especially, can be exhausting and challenging. Without extended family for support and guidance, it's no wonder Moms and Dads look elsewhere for parenting advice. Parenting isn't something everyone just knows how to do. Pediatricians Offer Parenting Advice... Parents of my Mom's generation often looked to Dr Spock for parenting advice. His book, The Common Sense Book of Baby … [Read more...]
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New Web Series: Books in the Kitchen
Do you like books? Do you like treats?
Introducing Books in the Kitchen, a brand-new web series from children's authors Elly Swartz & Victoria J. Coe. Watch us whip up treats inspired by our books as we dish about our characters, share secrets, and have way too much fun.
Chapter 1: Dog Biscuits inspired by FENWAY AND HATTIE
Chapter 2: "Secret" Chocolate Chip Cookies inspired by SMART COOKIE
There's no such thing as "too many books in the kitchen." So please feel free to share on your favorite social media using #booksinthekitchen!
xox, Elly & Victoria
PS - Check out our laugh-out-loud outtakes chapter, too!


text: Share: Comments Print February 9, 2015 at 9:52 AM Roche Harbor Salmon Classic produces 147 hatchery chinook during the two-day event Posted by Mark Yuasa (The winning fish at the Roche Harbor Salmon Classic. Photo courtesy of Roche Harbor Resort.) The Roche Harbor Salmon Classic held this past Friday and Saturday produced a total of 147 fish for 338 anglers in 99 boats. The weather was less than ideal, but anglers managed to find fish with 84 weighed-in on Friday and 63 coming to the scale on Saturday. The first place hatchery chinook worth $10,000 went to Dave Reep of Mount Vernon with a 22.3 pound fish. A close second was Eric Reynolds of Snohomish with a 21.13 worth $5,000; third was Michael Surdyk of Bellingham with a 19.6 woth $3,000; fourth was Craig Haugen of Bellingham with a 18.4 worth $2,000; and fifth was Jerry Thomas of Mount Vernon with a 18.3 worth $1,000. The mystery fish for the derby worth $2,000 went to Ronald Krocker of Marysville with a 14.14 hatchery chinook. The Friday mystery fish winner was Clare Hansen of Seattle with 5.8 fish that was worth $1,000. The best weight boat total went to Larry Surdyk, Michael Surdyk and Jason Henning of Snohomish with five fish weighing 64.3 who took home $2,000. Comments


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A leading business organisation in Coventry has backed Coventry Pride 2018
The Coventry and Warwickshire Chamber of Commerce has sponsored Coventry Pride, which is taking place on June 9 and June 10 at locations across the city centre.
Pictured above: Louise Bennett with David Wilson
The free event, which this year is themed Be You, will feature a range of performances and attractions to celebrate the region's lesbian, gay, bisexual and transgender (LGBT) community.
Louise Bennett, the chief executive of the Coventry and Warwickshire Chamber of Commerce, said: "Coventry is a diverse, welcoming city and that was at the heart of the successful bid to be UK City of Culture 2021 and events such as Pride are a great example of that.
"In terms of business, it's absolutely vital that companies look to tap into the talents of people from all backgrounds and that is why we are very keen to support Pride."
David Wilson, a trustee of Coventry Pride, said the event had grown in popularity in the city.
He said: "We are extremely grateful to Louise Bennett and the Chamber for supporting Coventry Pride, which helps us to ensure that the event remains free of charge.
"The event is growing year on year and this is a chance for the Chamber to reach new audiences with their messages of how they can support businesses in a variety of ways.
"We are looking forward to a very successful Coventry Pride 2018 which is headlined Be You as we want people to come along, just be themselves and have a great time. As a charity run entirely by volunteers we depend on the support from the wider community to deliver a free pride for Coventry. "
You can find out more about the Coventry and Warwickshire Chamber of Commerce at www.cw-chamber.co.uk
We'll be announcing more sponsors over the next few weeks.


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A few weeks ago, The Wall Street Journal reported that Apple plans to release two new iPhones with bigger screens this year.
The first device will have just under a 5-inch screen, likely 4.7 inches to keep the same size ratio the 4-inch iPhone 5S has. The second phone will have a very large screen, probably around 5.5 inches.
If the reports are true, it would be a welcome change. Most phones sold today have screen sizes larger than four inches, and a bigger screen is one of the most-requested features for iPhone users.
Designer Federico Ciccarese put together a few mockups of what the next iPhones could look like based on the information we have so far.
Take a look:


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Life takes you unexpected places. I just spent the most amazing week with the most amazing group of people on a medical relief trip to Cambodia. I had the honor of serving the beautiful, kind people within the islands of the Thailand Gulf. Experiences like this not only make me realize just how big the world is, but how much we all have in common. I leave this trip having formed some incredible new friendships and a stronger sense of myself. Thank you to all my friends and family who supported me to make this adventure possible. I know this will not be my last! – Kelley, Team Thailand Gulf
Spending the last week and half on a medical relief trip in Cambodia has been an amazing adventure! We had an incredible team of medical and non medical volunteers, and our translators were wonderful!! Together we were able to help so many kind people in different villages on the islands within the Gulf of Thailand. I am so thankful to have experienced the unique Khmer culture and realize even more how lucky I truly am! – Rita, Team Thailand Gulf


text: My friend, Julie, invited me to a tea party with a couple of her sisters, Amy and Betsy. It was a delightful time. A tea party means getting dressed up and using your best manners. Julie served tea that she had purchased in England when she was there, not too long ago. She also served Scones and Concord Grapes. We had such a good visit. Friends are always interested in each other so we all contributed to the conversation. But after I left and was thinking about it…there is more I wanted to hear about…the time went too quickly! Well, there's only one remedy that I can think of…I'll invite them to my house for a tea party! Yes! I want to hear about the plans for Africa!


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I'm delighted to announce today, after many months of collaboration with a remarkable crew of creative folks, that I'm launching a new digital publishing project called Hand and Hand. Our first issue, The Knot, will launch in exactly one week.
While, I encourage you to head on over to the brand spankin' new Hand and Hand website to learn more about this zine, I wanted to use this post to talk a bit about how this first issue came about. While experiencing a tumultuous time at my dream job, I realized that over the course of 2 years I had nearly abandoned all of the projects that had tied me to the craft community over the past 12 years. I thought long and hard about all the different ways to make a new contribution, one that reflected my involvement in fine art, my love of collaboration, and the things that actually TIE us all to making or handmade things (no pun intended). I'd been back and forth about writing a book (even in touch with some incredible publishers), or about following in the footsteps of amazing folks who manufacture handmade goods as a cottage industry. Nothing really fell into place for me, or really set me on fire – that is until I came up with the idea to make a digital zine about the connections between making/makers and craft/art.
The truly amazing thing about this project, though, has been the help I've had from folks all over this amazing country. In hoping to find the connections between a variety of ideas, I actually found an incredible chorus of voices ready to help me without any startup funds or established audience. Each and every contributor for this issue shared their work FOR FREE contributing amazing projects to this foundling of mine. Generous; I know! I've learned amazing things about collaboration and creating from each and every one of them, but most of all I'm just still speechless about their belief in this project. They've encouraged me along every step of the way. I cannot express how lucky and humbled I am to have their support and contributions. I hope that you will feel the magic of this community as you learn to make the projects in this issue, and read our stories.
This is what creativity and community are all about to me, and I'm so grateful for everyone who has laid their hand on any pixel of this project. I'll extend the same appreciation to each of you who buys an issue next tuesday, and I hope you will enjoy it just as much as I enjoyed fostering its creation.


text: 'The Lost,' A Holocaust Story Fresh Air October 18, 2006 In The Lost: A Search for Six of Six Million, author Daniel Mendelsohn unearths and reconstructs the lives of six people in his family who died in the Holocaust. Maureen Corrigan has a book review. 'The Lost,' A Holocaust Story Listen Toggle more options Download Embed Embed <iframe src="https://www.npr.org/player/embed/6289880/6289881" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">


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The catering team are a vital part of the inner workings of our site. We literally couldn't do our events without this team and the hard work, energy and enthusiasm they bring!
You'll provide essential energy to everyone from our stewards to our IT technicians to our worship leaders. Without this, our tummies would be rumbling loudly so you'll have our love and gratitude! You'll be working in the background, seeing a whole new side to the events and meeting all of our teams and serving them while they serve our delegates. (There is no Catering team in Scotland).
You'll be responsible for food preparation, serving meals and keeping the catering area clean and tidy so this is a role for the really servant-hearted, but it's also a big team working in a great atmosphere. You'll work with loads of amazing people and because everyone's giving their all, there's a great sense of community and you'll get to know everyone even if you come to the event on your own.
You'll need a bit of common sense when it comes to health and safety but you don't need any previous catering experience, as long as you're happy following instructions and learning as you go along. We promise you won't be given jobs that are out of your depth (like serving 200 people a roast dinner on your own).
You should expect to work around 8 hours a day – there are different shifts to cover breakfast, lunch and dinner so you won't have to do the same thing every day and will still get some time off to enjoy the main meetings and seminars. Breakfast shifts start at 6.45am but you won't have to do this every day! The last shift finishes at 7pm so the whole team should get to go to the evening meeting.
You will need to provide your own tent, caravan or offsite accommodation but in return for your hard work we will provide you with an event pass and all your meals – obviously! (This includes breakfast of Day 1 through till dinner on Day 5)


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I now know what's normal
I follow a standard, am usual, ordinary (normal), follow a norm, rule and principle, and am not odd or unusual any more (always believed that), except that I try to have an intrapersonal normality and not conformity, except that I'm physically ill, e.g. I always wear my glasses since I bought them, and always wanted to, my belly is normally better and I normally don't starve after the one dietary mistake and ever since I've been vegetarian/pescetarian, e.g. I normally don't eat chicken or red meat, and haven't eaten them once, and since beegan, never ate a single fish, not once. So it's what commonly occurs, and is done. Normality is complicated and since I studied it I've been an expert, but it's indispensable to be any form of normal. I'm not normal yet until I overcome my physical problem. Normal also means sane and without physical, mental and emotional disorders. I follow all the rules in the book, except for my stomach. So I know what's normal and what's not, I have my own definition. I normally am a picky eater, almost hate solid food (normally), my condition with food isn't normal health, but I'm working on it (I know I'm not normal yet). It's normal to be odd as there's a lot of odd people, including disabled people and those with Selective Eating Disorder (which is normal because these people know what they like, it's consistent, and it's common). Autistic people are very fussy eaters, following conformity that's normal (as all of them do that). What's not usual about it is simply that fussy eaters are all individuals, e.g. they invent their own diets of liking this and disliking that, mostly about disliking. I'm not making an argument, it's not an account, and it's not a belief, it's scientific fact. I have a system. I have the knowledge and it's physical phenomena (my definition of science), its method is scepticism (I always do that and everyone here can see that), I even question my former beliefs and recent doubts (always did that) therefore I question that I should doubt my beliefs sometimes and therefore change back to my old beliefs. I make contradictions and mix it with rationalism (I always do that) therefore there's a subtle contradiction above. The other method of my science is inquiry, intersubjectivity, therefore I have proof and have the power to convince (always done). I'm sane and emotionally and mentally well, still do a little sageness (and pursuing wisdom just by knowing and discerning) and always use wisdom like I have done for a long time. I'm always smart, always a supergenius, and made people think I was smart (which is normally done). I love food (seriously), and I normally do philosophy, it's part of my folk psychology from childhood experience with me and others, and I always do and did it, I'm always doing Transcendental Meditation and black mirror scrying and superstition, plus I have no regrets or irritation or apathy, and I normally do dealings with Satan/demons, haven't changed that a bit, like my normal doubting of my doubts, I went back to the old belief in syntheism, I'm always thinking without talking to myself and always resting my mind at night, if that's not normal I don't know what is.


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200 Hawthorne Lane
Charlotte, NC 28204
View on map
Monday to Thursday:
8:30 a.m. to 4:30 p.m.
8:30 a.m. to noon
Your home for health news, industry insights and more. Read what's new »
Novant Health Gynecologic Oncology Associates provides the most current and comprehensive care available to women with gynecologic cancers in the Charlotte, North Carolina, area. From diagnosis through treatment, our board-certified physicians, midlevel providers and support staff care for the whole patient. Our location within Novant Health Presbyterian Medical Center and the Novant Health Cancer Center guarantee our patients easy access to state-of-the-art medical resources, along with support services necessary to maintain emotional and spiritual health. You will be directed to our office from the main entrance of Novant Health Presbyterian Medical Center.
Our team of board-certified gynecologic oncologists and midlevel providers are committed to delivering the medical and support services you need throughout your gynecologic cancer journey. Conditions we treat and services we offer include:


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Last night we took a drive out to Korimachi in Fukushima to see a firefly festival. The festival itself was very tiny, but the there was hundreds of fireflies. It was very hard to take pictures or videos with my camera in total darkness, but I managed this decent one here.
I had to use a very fast film speed combined with keeping the shutter open for 15 seconds. What is cool is that a firefly flew right in front of my camera during the picture, producing that green streak.


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Filed under: Client Services, Customer Experience, Customer Service, Customer Service Training, John DiJulius, Patient Experience, Patient Services, What's the Secret?
Commandment II –
Creating a World-Class Internal Culture –
Attract, hire, and retain only the people who have the Service DNA
Answer the following true or false. This test will show you were you have opportunity for improvement in creating a world-class customer experience.
1. We have a daily staff meeting with employees, in person
or by phone, at the start of each workday/shift.
2. Our company's culture was created intentionally by
design with constant focus on company values, not just announced.
3. Our employees police each other on meeting customer
service standards.
4. Our internal/employee culture is very strong.
5. Prospective employees go through multiple interviews
before being offered a position.
6. It is more difficult to obtain a position in our company than our competitor's because of our strict hiring
process and expectations.
7. Our company/department is not understaffed.
8. Turnover at our organization is significantly better
than our industry standard.
9. Customer service skills are a major part of our hiring,
screening and selection process.
10. Customer service is a key factor in our review and
promotion process.
11. All applicants are prescreened with a required customer
service test.
12. Customer service standards and expectations are
discussed during the interview process.
13. It is clear to prospective employees that failure to
meet customer service standards will prohibit
long-term employment.
14. Our company is proactively hiring.
Based on the Company Service Aptitude Test by The DiJulius Group (www.thedijuliusgroup.com/SAT) from the best selling book What's the Secret?


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Glossary of Terms
We do our best to use plain English throughout our website and publications, but sometimes we have to use more technical terms. We explain these terms in this glossary, and provide a list of the abbreviations we use below.
If you feel there are any terms missing from the glossary, please do not hesitate to contact us.
Glossary of Terms
A B C D E F G I L M N O P R S T U V W Z Abbreviations
Accounting basis: also called basis of accounting; it is the time when a financial transaction is recorded. Cash basis and the accrual basis are the two primary methods of recording transactions in accounting.
Accrual basis: a method of recording revenues as occurring when the liability arises. The tax receipt is recorded when, for example, a transaction took place or income was earned, rather than when the cash was paid. It is possible that the two events coincide.
Assessor: An independent public official who determines the rateable value of all properties entered on the valuation roll, along with other functions. Assessors work under an umbrella body called the Scottish Assessors Association.
Assigned taxes: are taxes with revenue allocated into the Scottish budget, while control over changing the tax is not devolved to the Scottish Government.
Behavioural effects: refers to how taxpayers respond to a change in tax policy, whether a change in tax rates, tax bands, tax compliance activity or some other similar event.
Behavioural elasticity: an estimate of the scale of the change in taxpayer behaviour in response to a change in the tax rate. For example, the number of housing transactions that are lost as a result of a unit increase in the rate of property transactions tax, or the amount of income tax foregone as a result of a unit increase in the rate of income tax (see also Taxable Income Elasticity).
Buoyancy: captures all changes in the tax base for non-domestic rates, excluding revaluation appeals. Buoyancy is measured as the annual growth in rateable value corrected for any losses as a result of revaluation appeals. It reflects both the physical growth in the tax base and also administrative effects present in the data such as the resolution of running roll appeals.
Calendar year basis: Referring to a full year period running from January 1 to December 31.
Capital spending: refers to spending in assets that have a durable life of over a year. Examples of capital spending include investing in schools, roads or hospitals.
Caseload: the number of individuals in receipt of, or expected to receive, payments for a given social security benefit.
Cash basis: is a method of recording revenues as occurring when the cash is paid. The tax receipt is recorded when the tax is paid, not when the transaction occurred.
Deflator: is a measure of the average level of prices. For example, the household consumption deflator measures the average level of prices that households face when making their purchases, the investment deflator is the average level of prices of capital goods and so on. The average is calculated form a representative "shopping basket" of goods and/or services. The basket can change from year to year with people's consumption and investment patterns.
Devolved social security: financial or other assistance to or in respect of an individual where there is an entitlement to a devolved social security benefit. This includes the benefits devolved under the Scotland Act 2016, the Scottish Welfare Fund and Employability Services.
Devolved taxes: are taxes whose administrations have been transferred to a devolved administration such as the Scottish Parliament. Scotland Act 2012 gave Scottish Ministers new powers to administer some taxes such as the Land and Buildings Transaction Tax (LBTT) and the Scottish Landfill Tax.
Disposable income: refers to the total personal income once direct personal taxes are subtracted.
Distribution: is a listing or function showing how often all the possible values (or intervals) of the data occur.
Drawdowns: are declines in the amount of money in reserve for the Scottish Government to allocate in their budgets.
Economic inactivity: those individuals who are neither in employment or unemployment. Includes individuals who are studying, sick, looking after family or home, and retired.
Effective tax rate: is the average rate at which a transaction, individual or corporation is taxed. Effective tax rates are especially relevant when working with progressive taxes, as different level of expenditure, income or benefit will be taxed at different rates.
Employment: an individual is in employment if they have a job, including those in self-employment. The employment level counts the number of individuals in employment. Individuals with multiple jobs are still only counted as in employment once.
Equilibrium: Used in our forecasting process to describe a state where variables have returned to long-run trend values and the output gap has closed. We do not strictly define a state of general equilibrium in the economy.
Exempt businesses: are businesses who supply VAT exempt goods and services. They do not charge VAT on these supplies but they are liable for the VAT incurred on their purchases relating to these supply.
Exempt goods or services: are those goods that are not liable for VAT. Businesses that supply exempt goods and services do not charge VAT on them and cannot claim back the VAT paid on related purchases. Exempt supplies include insurance; finance; some supplies from doctors and dentists; and some types of education and training.
Financial year basis: In our forecasts and documents this is the 12 month period running from April in one year to March in the next. Other companies, institutions and individuals may use different definitions of a financial year.
Fiscal drag: Many taxes are progressive, with higher tax rates being applied as you move up through the tax base, for example on higher incomes or larger transactions above certain thresholds. Fiscal drag refers to the general increase in revenues over time that comes from the tax base growing relative to tax thresholds and higher tax rates being applied.
Forecast: a considered prediction of an expected outcome. May be based on quantitative modelling and analysis, broader market intelligence and judgement.
Forecast error: refers to the difference between a forecast and the actual value, for example, the difference between the tax revenues forecast to be raised and the tax revenues actually raised.
Forecast horizon: the period of time over which a forecast is created. The Commission produces forecasts for the next five financial years.
Forecast sensitivity analysis: refers to the analysis of changes in forecasting assumptions to understand the effect of a set of independent variables on some dependent variable under certain specific conditions. This differs from scenario analysis, which is used to understand the full range of outcomes in the context of decision-making.
Forestalling: The activity of 'shifting' income between tax years as part of a response to a change of tax policy. This usually has the purpose of avoiding paying a higher rate of tax, or to benefit from a lower rate of tax.
Government services liable for VAT: concern a limited number of government activities where central government bodies are unable to recover VAT paid. These include some public administration and defence services; compulsory social security services; education; human health activities; residential care activities; and social work services without accommodation.
Gross Domestic Product: refers to the total monetary value of all final goods and services produced within the territory of a country over a particular period of time.
Growth: Generally expressed as a percentage rate, the change in the value of a variable over time. If a variable declines in value over time, this may be referred to as negative growth.
Inflation: is an increase in the general price level of goods and services. When there is inflation in an economy, the value of money decreases because a given amount will buy fewer goods and services than before.
In-year forecast: is a forecast for the current year. An in-year forecast may use data available for the current year. It is commonly used a baseline for subsequent forecasts.
Labour force: the sum of employment and unemployment. Describes the total potential supply of labour at the time. Also known as economic activity or participation.
Labour force participation: refers to the number of people who are either employed or are actively looking for work. This is often referred as economic activity.
Long-term: A period where variables have returned to their trends or equilibrium has been achieved. In some cases, the long-term trend levels of a variable may not be achieved within our forecast horizon.
Macroeconomic forecast: a general term referring to forecasts of a range of aggregate economic variables, for example GDP, inflation or employment.
Marginal tax rate: The rate of tax paid on each additional pound earned by a taxpayer.
Net present value: measures the value added by a project from comparing the difference between the present value of cash inflows and the present value of cash outflows over a period of time. This is used in the context of assessing the profitability of a project.
Nominal value: refers to economic variables that are measured in current prices, not adjusted to control for inflation. This is often referred to as the cash value, and reflects the actually amount of money paid for a good or service.
Non-domestic property: are properties such as shops, offices, warehouses and factories and any other property not classed as a domestic property. For the purposes of non-domestic rates, the Assessors determine the classification of properties as domestic and non-domestic.
Non-profit institutions serving households (NPISH): are non-profit institutions which are not mainly financed and controlled by government and which provide goods or services to households for free or at prices that are not economically significant. Examples include churches and religious societies, sports and other clubs, trade unions and political parties.
Non-residential (commercial): is any property that is not residential property. (See also Residential Property).
Non-savings non-dividend income tax receipts: are tax receipts proceeding from employment income, profits from self-employment, pension income and rental profits.
Onshore GDP: A shorthand for referring to Scotland's GDP excluding the value of oil, gas and other hydrocarbons produced in the Scottish sector of the UK continental shelf as defined in the Scottish Fiscal Commission Act 2016. This is the same basis as the headline GDP figures published by the Scottish Government.
Output gap: The difference between measured GDP and our estimates of potential output.
Outturn data: from a forecasting perspective, is the amount of taxes collected, or the amount of expenditure incurred in a given period rather than what was expected or forecast.
Per capita variable: refers to a variable that is measured per head. This is calculated by dividing the aggregate value of a variable in an area at a specific time, by the total population in that area at that specific time.
Personal Allowance: The level of income that can be earned by a taxpayer that is not subject to tax.
Policy costing: an estimate of the revenue raised or forgone as a result of a change in tax policy, or the change in social security spending as a result of a change in social security policy.
Potential Output: The maximum amount of goods and services the economy can sustainably produce without creating excessive price pressures.
Poundage: can be thought of as the rate of tax that is applied to the rateable value of non-domestic property to calculate non-domestic rates liability, before any adjustments for reliefs or the Large Business Supplement are made. In England and Wales the poundage is usually called the multiplier.
Productivity: an amount of output for a given amount of input. In the economic forecasts productivity is defined as GDP (output) divided by total hours worked (input).
Progressive tax: a tax in which the tax rate increases as the taxable amount increases. For example, a tax system where those with higher income or wealth pay higher effective tax rates or in which property transactions with higher values incur a higher rate of tax.
Projection: a simple estimate of the future value of a variable, often based on simple methods. May be a starting point or part of the process of creating a forecast.
Rateable value: is the legally-defined valuation of a non-domestic property which is determined by independent Scottish Assessors. It can broadly be thought of as being based on the open market rental value of the property.
Ratepayer: Anyone who is liable for rates on a non-domestic property. Ratepayers include businesses, public sector, and the third sector.
Real value: refers to economic variables that are adjusted to control for inflation.
Reduced rated goods or services: are those goods and services which are liable for VAT at the reduced rate of five per cent. This applies to some goods and services such as domestic heating fuel and children's car seats.
Residential property: is a building that is used or suitable for use as a dwelling, or is in the process of being constructed or adapted for use as a dwelling; land that forms part of a garden or grounds of a building suitable for use as a dwelling. This includes any buildings or structures on such land; or an interest in or right over land that subsists for the benefit of any of the above.
Resource spending: refers to spending on the day-to-day running costs of government programmes and administering the department.
Revaluation: the rateable values of non-domestic properties are revalued by Scottish Assessors on a regular basis, with these revaluations typically taking place on a 5-year cycle. The most recent revaluation took effect from April 2017.
Risk: a state where an outcome is unknown, but it is possible to quantify the probabilities of different outcomes based on either historic evidence or logic. For example, a coin toss.
Running roll appeals: are lodged by the owner/occupier of non-domestic property when they believe there is justification to have their rateable value changed on the grounds of either error, new interest, or as a result of a material change of circumstances.
Short-term: Rather than a fixed period of time, the short-term is where there continues to be a state of disequilibrium or variables are away from their trends. In the context of the Commissions forecasts, the short-term usually refers to approximately the first year of the forecasts.
Slab system: is a tax regime where a single tax rate is paid on the entire taxable amount. For example, the Additional Dwelling Supplement is charged at 3% of the total value of the property.
Slice system: is a tax regime where successive sections of the taxable amount are taxed at increasing rates. For example, income tax or LBTT.
Standard rated equivalent (SRE) expenditure: is the equivalent amount of expenditure that would be liable for VAT at the standard rate of 20 per cent, inclusive of the amount of VAT. For example, if we have £300 of expenditure before VAT, with £100 at standard rate (20 per cent), £100 at reduced rate (five per cent) and £100 at zero rate. The VAT inclusive amounts are £120, £105 and £100, respectively, with a total of £25 being VAT. The equivalent amount of expenditure at the standard rate that would be required to raise £25 VAT is £125. Hence, the standard rated equivalent expenditure (inclusive of VAT) is £125 + £25 = £150.
Standard rated goods or services: are those goods and services which are liable for VAT at the standard rate of 20 per cent. This applies to the sale of most goods and services in the UK.
Standard rated share (SRS): is equal to standard rated equivalent expenditure as a proportion of total expenditure. (See also standard rated equivalent expenditure.)
State aid: State aid refers to forms of assistance, including financial assistance from a public body, or publicly-funded body, which has the potential to distort competition and affect trade between member states of the European Union. To meet EU requirements assistance given under several tax reliefs are capped at State aid de minimis (meaning a maximum of €200,000 can be awarded over a rolling 3 year period).
Take-up rate: refers to the proportion of the eligible population who receive or claim a benefit or tax relief.
Tax bracket: is also known as tax band, and refers to the successive sections in which a tax regime is divided in.
Tax motivated incorporations (TMI): Individuals who work for themselves may be self-employed or have the option to 'incorporate' and manage their business as directors of a limited company. For individuals who choose to incorporate, this changes their tax liabilities from NSND income tax to corporation tax and dividends, which may offer a tax advantages. TMI refers to individuals who could have been an employee or self-employed, but incorporate specifically for tax purposes.
Tax rate: is the percentage or ratio at which an individual or business is taxed.
Taxable income elasticity (TIE): refers to the proportional change in taxable income resulting from a proportional change in the 'net of tax' income.
Tone date: the assessment of all rateable value carried out by Scottish Assessors is undertaken with reference to a single date to ensure fairness. For the 2017 revaluation this date was 1 April 2015.
Uncertainty: a state where an outcome is unknown and, unlike risk, it is not possible to formally quantify the probabilities of different outcomes.
Underspends: are where the amount spent is below the amount allocated in that year. The Scottish Government is permitted to save underspends (up to a limit) in the Scotland Reserve for spending in future years.
Unemployment: The official definition of unemployment, which is used in unemployment statistics, is those individuals who are not currently in employment but are actively looking for work and are available to start work in the next two weeks.
Valuation roll: is a public document maintained by the Scottish Assessors containing details on the rateable value of all non-domestic property in Scotland except for properties exempt from paying non-domestic rates.
Value Added: refers to the amount by which the value of a commodity is increased at each stage of its production, exclusive of costs at a specific stage.
Variable: a set of observations of economic or fiscal factors that may vary in value, for example GDP or tax revenues. Generally used to refer to a set of values being used in a model or forecast, for example, employment is used as a variable in the economic forecasts.
VAT base: is the total amount of expenditure that is liable for VAT.
VAT gap:is the difference between the expected VAT revenues based on VAT total theoretical liability and the VAT actually collected by HMRC. (See also VAT total theoretical liability.)
VAT total theoretical liability (VTTL): is the theoretical amount of VAT that would be collected from the tax base if there was no fraud, avoidance, or losses due to error or non-compliance. It is calculated by applying the relevant VAT rates to detailed breakdowns of expenditure liable for VAT.
Wage stickiness: refers to the resistance of wages to adjust in response to changes in the economy. For example, it may take time for an increase in inflation that increases prices across the economy to be reflected in wages, and wages may not ever fully adjust to the change in inflation.
Zero rated goods or services: are those goods and services which are liable for VAT but the VAT rate is zero per cent. Zero rated items include most food. Businesses that sell zero rated goods and services can generally reclaim VAT on purchases that relate to those sales. This is in contrast to exempt goods and services, where VAT cannot normally be reclaimed on the related purchases. (See also exempt goods or services.)
|Attendance Allowance
|Additional Dwelling Supplement
|Air Departure Tax
|Average Effective Tax Rate
|Air Passenger Duty
|Annual Survey of Hours and Earnings
|Block Grant Adjustment
|Biodegradable Municipal Waste
|Best Start Foods
|Best Start Grant
|Carer's Allowance
|Civil Aviation Authority
|Carer's Allowance Supplement
|Confederation of British Industry
|Compensation of Employees
|Consumer Price Index
|Discretionary Housing Payment
|Disability Living Allowance
|Department for Work and Pensions
|Employment and Support Allowance
|European Union
|European Waste Catalogue
|Funeral Expense Assistance
|Forecast Evaluation Report
|Funeral Payments
|Family Resource Survey
|Fair Start Scotland
|First Time Buyers
|Great Britain
|Gross Capital Formation
|Gross Domestic Product
|Government Expenditure & Revenue Scotland
|Her Majesty's Revenue and Customs
|Healthy Start Vouchers
|Intercontinental Exchange
|International Passenger Survey
|Information Technology
|Jobseekers' Allowance
|Land and Buildings Transaction Tax
|Living Costs and Food survey
|Labour Force Survey
|Material Change of Circumstances
|Marginal Effective Tax Rate
|Machinery of Government
|Non-Domestic Rates
|Non-Domestic Rates Income
|National Health Service
|s National Insurance Contributions
|National Loans Fund
|Non-Profit Distributing
|Non-Profit Institutions Serving Households
|National Records of Scotland
|Non-Savings and Non-Dividends
|Office for Budget Responsibility
|Organisation for Economic Co-operation and Development
|Oil and Gas Authority
|Office for National Statistics
|Pay As You Earn
|Political Declaration
|Private Finance Initiative
|Personal Independence Payment
|Purchasing Managers' Index
|Policy Simulation Model
|Primary Threshold
|Public Use Tape
|Quarterly National Accounts Scotland
|Real Household Disposable Income
|Retail Price Index
|Real Time Information
|Rest of UK excluding Scotland
|Rateable Value
|Scottish Assessors Association
|Stamp Duty Land Tax
|Scotland's Economic and Fiscal Forecasts
|Scottish Environmental Protection Agency
|Scottish Fiscal Commission
|Scottish Government
|Scottish Landfill Tax
|Scottish Landfill Communities Fund
|Survey of Personal Incomes
|Sure Start Maternity Grant
|Scottish Welfare Fund
|Taxable Income Elasticity
|Upper Earnings Limit
|United Kingdom
|UK Continental Shelf
|UK Finance
|Understanding Society Survey
|Value Added Tax
|Valuation Roll
|VAT Total Theoretical Liability
|Withdrawal Agreement
|Work Able Scotland
|Work First Scotland
|Young Carer's Grant


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God's Firebrands
The Lord gave me the word "firebrand" to describe the missionaries that our daughter and son-in-law (Nicole Lorelei & Herb) and our son (Hudson) are equipping to send out. A firebrand is "a person who is passionate, typically inciting change and taking radical action." Today, Renee and I fly out to spend a weekend helping equip 20 firebrands for the pioneering work ahead of them. Please pray that God Himself will equip them, as He promised in Hebrews 13:20-21!
Prayer update: I was thrilled with what I found in the last Middle Eastern country I visited last week. The disciple who was near death is recovering. The team there is melding together beautifully. I met a growing community of new believers from the majority religion. One told me how he had lost his job, his home, and his car because of his new life in Christ, but he has no regrets. I heard about another who had killed many as a radical in his home country. He wondered if Jesus could possibly forgive him. Now he is overflowing with joy and sharing Christ with everyone he meets. The headlines in heaven are different than the headlines on CNN!


text: Spring Events Welcome Week January 15th-January 27th At the beginning of the fall and spring semester, the university community and students are welcomed back to the university with weeks of exciting events. These events are hosted by SAPB (Student Activities Programming Board), CASL (Campus Activities, Service & Leadership), Hospitality Services and more. African Heritage Celebration February 1st-February 28th Student clubs, organizations, academic departments and other members of the campus community develop and implement programming throughout the entire month of February. These events focus on the achievements, contributions, accomplishments and current issues within the African American community. Women's History Celebration February 28th-March 7th Each March we celebrate women by honoring their achievements and contributions as well as addressing current women's issues. Faculty, Students and Staff join together to hold a diverse and memorable month of events. Annually, this celebration begins with the Opening Ceremony and concludes with the Red Dress Dinner, an event that honors outstanding woman from the WP and surrounding communities. Asian Cultural Celebration March 27th-April 6th A collection of student clubs, organizations, academic and administrative departments meet to provide an array of events and activities that recognize the current and historical contributions of Asian and Pacific peoples in the United States and its associated territories. Greek Week April 16th-April 19th The week includes Greek competitions, shows, and the Greek Awards. Springfest April 22nd-April 29th This annual spring event marks the end of each year before finals. Groups across campus come together to help the Student Activities Programming Board (SAPB) plan this week filled with fun. Activities include novelties, outdoor picnics, games, giveaways, performances and much more. De-Stress Fest April 24th-May 4th De-Stress Fest occurs at the end of the fall and spring semester before finals. Zumba, Yoga, Snack Giveaways, and other form of relaxing activities are provided.


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A properly serviced and running HVAC system is vital to ensure that you don't have skyrocketing energy costs. A faulty HVAC system can cost any homeowner a lot of money in costly repairs, not too mention the time spent feeling uncomfortable if it is too cold or hot. Keep your HVAC system running right, and with the tips below it is a great start, so continue reading.
What system do you have? You need this information to tell your contractor. Write down the make, model, and any maintenance history. The contractor will likely need all of this information.
When a contractor gives you a list of references, be sure to make use of it. Call the people on the list and ask about the quality of the work, how closely they came to their quote and whether or not the work was completed according to the promised timeline.
Do you hear a clicking sound when your fan is turning? This may mean that there is something in the way of the blades of the fan. If it gets so bad that the blade bends, you must replace it, just unbending it will leave the fan unbalanced and can cause further issues.
Don't let your outdoor HVAC units get smothered with clippings anytime you mow the yard. Instead, make sure that the grass is shooting in the opposite direction. The same should happen if you are blowing leaves, so be especially careful when you are going by your exterior HVAC devices whenever you are moving debris.
One of the most important things to consider when purchasing a new heating and cooling system is the manufacturer's warranty. Units come with a variety of warranties. Choose one with a long warranty for maximum long term savings. Generally, it is advised that homeowners should purchase the extended warranty if one is offered.
If you want to seriously extend the life of your HVAC system, as well as cut down your overall power bill, install ceiling fans in commonly used warm season rooms. Energy-star certified ceiling fans can sometimes cut your HVAC use in half. However, you won't physically notice a difference in temperature.
Make use of a thermostat when you are installing an HVAC. This will help you to keep the temperature at optimal levels. Take advantage of the convenience of the ability to control many programable thermostats from your favorite electronic device.
If you want to ensure you choose a trustworthy HVAC contractor, invest a little time in researching a few different companies, checking out their reputations. You may also want to check with the BBB for information. It would be wise of you to take these steps.
You do not want your living environment too hot or too cold, and having a good HVAC system that is running how it is supposed to is key. Thankfully, you just learned some helpful tips that showed you how to spot problems, along with how to properly maintain your HVAC system. Keep these tips in mind as you perform regular maintenance on your HVAC system.


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Shiver me timbers, we've done it again! What would the holidays be without another inventive extravaganza inspired by A Christmas Carol, and this one promises the motherload of excitement, danger and pirate-filled fun! Captain Jack Sparrow, Will Turner, Elizabeth, as well as a bevvy of others from the Pirates of the Caribbean will be the central characters of this pirate-themed holiday story complete with treasure maps and a deserted island. Which pirate is it that possesses the miserly qualities of Scrooge? Aye, and who will play the roles of his dear mate or the pirates that will show him the errors of his ways? Yo ho, yo ho, we promise you'll be thrilled with the ships' battles, sword fights, and the most amazing treasure that helps remind everyone of the true spirit of the holidays.
This Week at the Prep
Back to All Events
Earlier Event: December 9HS Boys Basketball at Canyon State Academy
Later Event: December 11HS Boys Basketball at Glendale HS


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|Date / time: 2018-02-11 20:28:32
|Name: Nina I. Rosario
Im trying to buy tickets for sleeper train 3 adults on 22May2108, but the date is not available tor selection. Can you let me know when I can buy them? Nina
|Date / time: 2018-02-12 11:04:37
|Name: Pavla Janoušková
Dear Nina, thank you for contacting us. The booking should open in about 10 days. Please, wait for a bit and then try again.
Kind regards Pavla


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Type Feature
Approx. Running minutes 95
Release dates 04/05/2018
Ratings Info mild bad language, threat
Genre(s) Drama
Director(s) Colin McIvor
Cast includes Toby Jones, Amy Huberman, Art Parkinson, Penelope Wilton, Ian McElhinney, Damian O'Hare, Stephen Hagan
Summary ZOO is an Irish drama in which a boy and his friends attempt to rescue an elephant during the German air raid bombings in Belfast in 1941.
Cut All known versions of this work passed uncut.
Ratings info
Ratings info publication date 24/04/2018
Note: The following text may contain spoilers
ZOO is an Irish drama in which a boy and his friends attempt to rescue an elephant during the German air raid bombings in Belfast in 1941.
- Language
There is use of mild bad language ('bloody', 'shit', 'shite', 'piss'), as well as very mild terms including 'damn', 'turd', 'Jesus' and 'God'.
- Threat
Mild threat include scenes which show the German bombing raids in Belfast. This includes sight of people ducking and running to air raid shelters as bombs go off.
There is brief bloody detail in a scene that shows three friends marking their initials on a tree with blood after they take a 'blood oath'.
Upsetting scenes include moments relating to bereavement. It's also implied that a girl's father is an alcoholic.
Infrequent very mild violence includes a scene in which a boy is punched down, without detail.
- Title
- Year
- 2017
- Formats
- Cinema
- Distributor(s)
- Entertainment One UK,Entertainment One UK Ltd
- Classified date(s)
- 09/08/2018
- Main language
- English
- BBFC reference


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why do protons repel protons but attract electrons
Later people encountered many other phenomena and in the process of making a new hypothesis they had a constraint that it has to be consistent with the old theory and the assumption of the existence of lines of force coming in or out from a particular charged particle whose direction is associated to the nature of the particle and is seemed to serve the purpose. We are pretty sure that is true from the numerous experiments done. Here comes my concern, we know that the lines of force emerge from the charged particles but what is the cause for the emergence of lines in the first place? I agree that it is fundamental to assume such a thing to exist but can t this be investigated further? Isn t it a valid question? After all fundamental assumption is also called a belief but an acceptable belief. The reason for giving it such a status of being acceptable is that it is helping us understand the other phenomena. But we don t know the cause for such a belief or what exists beyond that belief. The fundamental assumptions or the accepted beliefs are the points where we stop thinking about anything because when we accept something we won t find any need to think about it. It must not be the case, we must reason or investigate the existence of anything, of course only from the knowledge we acquired, then we will find the cause for it and only then it will lead us to the ultimate truth.
Where does charge come from?
We know that all objects are made up of and atoms are composed of smaller particles called protons, electrons and neutrons. Protons and neutrons are found in the nucleus of an atom and eletrons are found in an area outside often described as an electron cloud (see for more advanced description). Remember that the hydrogen atom is only composed of a a single proton and electron. It does not contain a neutron. Both protons and electrons have a basic property called charge. This property is not like other physical properties of matter. Charge however can be measured and it affects the behavior of particles. The amount or magnitude of charge on protons is the same as electrons. The protons are positively charged, the electrons are negatively charged, and the neutrons are neutral. The terms positive charge and negative charge were originally described by Benjamin Franklin. Charges exert Force A is defined as a push or pull. Charged particles exhibit similar behaviors of push and full. A force that pulls particles together is called an attractive force.
So electrons are attracted to protons and this is what holds together. A force that pushes apart particles is a repulsive force. Force of attraction exists between oppositely charged particles – electrons and protons are therefore attracted to each other. Similar charges will repel so negative electrons repel each other. The simple rule for electric charges is: Like chages repel each other and unlike charges attract each other. What is an Electric Field? The concept of an electric field is used to explain why charged particles exert forces on each other. When an electron moves into the electric field of a proton it is pulled to the proton. The electric field gets stronger as we approach the particle. Electric fields are visualized by drawing extended lines as show in the image below. Note that for positive charge the field lines point outward and for negative field they point inward. Electric Field lines between a positive and negative charge are shown below. As above the lines are drawn toward the negative charge. What is an Electroscope and What is it Used For? An electroscope is a scientific instrument that is used to detect the presence and magnitude of electric charge on a body.
It was the electrical measuring instrument. A typical classroom electroscope consists of a metal knob at top and a metal rod with thin metal leaves at the bottom. The rod is inserted into a flask with a rubber stopper (see image below). In an uncharged electroscope the leaves hang straight down. When a negatively charge object such as a negatively charged glass rod touches the knob the electric charge travels down the tube to the metal leaves. since both leaves now contain negative charges they will repel. Similarly if the knob is touch with a positively charged rod electrons will be drawn up the metal rod leaving positively charged leaves. The leaves again will repel. Test your Understanding: 2. Objects that have the same charge will 3. Protons are 1000x more massive than electrons. This means b) the mass does not does not affect the magnitude of charge, protons and electrons have the same magnitude of charge 4. A force is defined as 5. Which statement is true for electric field force lines a) positive force field lines are drawn outward, negative lines are drawn inward b) negative field lines are drawn outward, positive lines are drawn inward


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U-Shaped P2/16 240v 650w EYN Modelling Lamp
"Horseshoe" or "U" shaped modelling lamp. P2/16 EYN 650w modelling lamp for Bowens Estime 3000 (BW2970) 230V Flash Head. The lamp is also known under its Bowens reference BW2503
Note: As with any Halogen Bulb, care should be taken when fitting these bulbs. Please avoid getting fingerprints onto the glass as this will cause "hotspots" on the glass when in operation that will dramatically decrease the lifespan of the lamp.


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Patsy Hall
Heath High West Paducah, KY Class of 1971
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Management board
Dariusz Słaboszewski, President of Board
Born in 1964. Graduated from the Faculty of Navigation, Maritime Academy of Szczecin. Post-graduate studies at the European Higher School of Law and Administration and the Higher School of Management.
In the 1990s, worked as the deck officer for PPDiUR ODRA ŚWINOUJŚCIE as well as on board of commercial ships with foreign operators. Later, he ran his own business, which included management of other entities. Since 2007, linked with Żegluga Szczecińska (Szczecin Shipping), initially as the receiver and then the President of Board and the General Director.
Tel: +48 91 43 08 221
e-mail: firstname.lastname@example.com
Kazimierz Drzazga, Deputy President for Infrastructure
Born in 1951. Graduated from the Higher School of Public Administration of Szczecin and Szczecin University with major in history; post-graduate studies on logistic management at the Szczecin University.
For many years, worked for the POLICE Chemical Plant and local government administration. In 2006-2008, the Deputy President at the Szczecin and Świnoujście Seaports Authority. In 2006-2010, a council member of the Police County, and since 2010 a deputy president of the Regional Parliament of Western Pomerania Province.
Activist of the underground 'Solidarity' Movement and member of top Movement bodies in the Western Pomerania Region. For a number of years, a social and political activists. Awarded with the Cross of Polonia Restituta for his underground trade union activity and fight for free and democratic Poland.
Tel: +48 91 43 08 770
e-mail: firstname.lastname@example.com
Jacek Cichocki, Deputy President for Development
Tel: +48 91 43 08 431
e-mail: firstname.lastname@example.com