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CEDA: Tips for applying for a small business loan – Whether you are an entrepreneur looking to start your own business or a business owner looking for additional capital, you may be considering applying for a business loan to finance your endeavor. As.
Starting a Micro Money Lending Business – A Complete Guide – Starting a Micro Money Lending Business – A Complete Guide. Industry Overview; The financial services industry is indeed a broad industry. An aspiring entrepreneur who has little start-up capital and a good grasp of how the financial business works can successfully start a micro money lending business.
SoFi helps members take control of their finances. From getting out of high- interest debt to managing your wealth, we are here to help you get your money right.
Government Small Business Loans – How Do I Get One? – Government small business loans help put your own business within reach. First there's the quest for a decent location, then comes building a customer base, followed by all the initial hiccups of generating a cash flow before your business grows roots and gains momentum.
Lending Home Review The Lending Club – a critical review – CBS News – · (MoneyWatch) The Lending Club is an online financial community that brings together creditworthy borrowers and savvy investors so that both can.
A Step by Step Guide to Starting a Business – Talk to any entrepreneur or small business owner and you'll quickly learn that starting a business requires a lot of work. Generating a business idea is a great starting point, but an idea doesn't.
Lending Library – Benjamin Franklin Historical Society – The Library Company was officially founded on July 1st, 1731 when Benjamin Franklin and junto club members signed the articles of agreement to subscription.. In the 1700's purchasing books in Pennsylvania was prohibitively expensive, one had to travel to New York or Boston.
Us Mortgage Lenders Mortgages | USAGov – A mortgage is a loan from a commercial bank, mortgage company, or other financial institution to purchase a home or other real estate. A lender will give a loan if you meet certain requirements such as a high enough credit score and income level and have the financial ability to pay it back.
How to Invest in Restaurant Stocks – In exchange, the franchisee usually is responsible for paying real estate and start-up costs, along with a host of recurring.
P2P Lending: Latest News & Videos, Photos about P2P. – · p2p lending latest Breaking News, Pictures, Videos, and Special Reports from The Economic Times. P2P Lending Blogs, Comments and Archive News on Economictimes.com
Starting Your Own Money Lending Business? Need to Plan? – The market for money lending companies is already saturated by big banks, tycoons and other business that have enough money to lend people in need. If you think about starting your own money lending business but you fear that it will not work, then probably you might want to take the risk.
Best Way To Mortgage A House First-time buyers: Shortcuts to a first mortgage and. – Getting the best deal. The best mortgage deals. First-time buyers: Shortcuts to a first mortgage and buying a house.. is there any way around this?Home Financing Lending Home Review Reviews are not filtered, edited, or deleted simply because they are negative or have a lower rating. Transparent LendingClub cannot directly ask for positive reviews, and customers are never offered money or promotional material (such as discounts or coupons) in exchange for providing a review. LendingClub employees and vendors cannot submit.MUSKUN Home Financing – BankIslami Pakistan. – The MUSKUN Home financing facility is based on the principle of Diminishing Musharakah and Ijarah. The diminishing musharakah transaction is based on Shirkat-ul-Milk.
How to Start a Finance Company | CCTG – How to Start a Finance Company Steps To Launching A Successful Finance Business. Deciding to start a finance company can be a very lucrative endeavor. Entrepreneurs in this industry can set their own hours, arrange finance for businesses in every industry, work from home, and make as much money as they desire.


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Tesla Model 3 Track Mode V2 Has Arrived: Release Notes & Video Details
This free update is not to be confused with the accompanying 'Track Pack' that can be purchased.
As we recently shared, Tesla is launching a newly updated Track Mode V2 for the Model 3 Performance. While it wasn't 100-percent clear upfront, the new features are already coming in the form of an over-the-air software update.
Keep in mind, if you want the accompanying 'Track Pack', you'll have to pay $5,500 and wait until April or so to get the hardware. Then, you have to hit up a Tesla Service center to have it all installed.
It's important to make it clear that, according to Tesla, the package is only compatible on the Model 3 Performance Dual Motor All-Wheel Drive with the Performance Upgrade.
Below are Tesla's full release notes related to the Track Model V2 software update:
Track Mode has been improved to make it easier to monitor the status of your car, create custom track mode settings profiles and record your track day data.
Monitor the status of your car motors, battery, brakes and tires, allowing you to adjust your driving in real time. G-meter, a real-time accelerometer, can now be viewed in the Cards area of the touchscreen. The map now displays a Lap Timer. Follow the onscreen instructions to place a start/finish pin on the map. At the completion of each lap, the Lap Timer displays the duration of the lap. It also displays the times associated with the previous and best laps in the driving session.
Track Mode allows you to save up to 20 Track Mode profiles to suit your preferences or driving scenario, or customize for a specific track. A new settings profile can be created by tapping Track Mode Settings and; Add New Settings, entering a name for the settings profile, then adjusting settings including Handling Balance, Stability Assist, Regenerative Braking, Post-Drive Cooling and Compressor Overclock. Refer to the Owner's Manual for more information regarding each setting.
You can now save a video and data of the Track Mode driving session to a plugged in USB flash drive which must contain a folder named "TeslaTrackMode" (without the quotation marks). When "Save Dashcam for Laps" is enabled, Track Mode stores a video of each lap in a driving session when using the Lap Timer. Track Mode also stores the car status and telemetry data including details about the vehicle's position, speed, acceleration, and use of accelerator which is stored as a .CSV file on the USB flash drive.
If you'd rather listen to a podcast about the update, we've included the recent EV News Daily podcast below. In addition, there's another video below showing off Track Mode V2's top ten features.
Video Description via Tesla Raj on YouTube:
Don't panic, its Tesla Track Mode v2!
Wade has a performance Model 3 and got the 2020.8.1 software update so we immediately wanted to see what was possible with the new Track Mode v2. Here is our first look at the software!
Wade's Channel: https://www.youtube.com/teslasocial
Source: Read Full Article

subset: commoncrawl


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Armeena Rana Khan is one of the most popular and well known young Pakistani Fashion model in the world of media in Pakistan. She is a popular personality in pakistani youth. She was born in Canada and now resides in United Kingdom. Her date of birth or birthday is unknow. Fashion Model, Armeena graduated from Manchester with a Business Degree.
Armeena Rana follows a very simple and elegant style of dressing usually non fussy and clean lines combined with simplicity plus loves to wear fashionable accessories and makeup.
Among her believes and philosophies, she got a really cheesy philosophy about 'Fun' being the key element in any successful project. Fashion Model Armeena is very enthusiastic and fun loving sweetheart of Pakistani Fashion Industry. She has the ambition to reach the stars that is very much reflected in her hard work.
Fashion Model, Armeena Rana is the glowing face of Asiana Wedding Magazine, She (Pakistan), Perfect Asian magazine, The Mag Weekly (Pakistan) in addition to many online and newspaper publications in the U.K and abroad. She is the brand Ambessordor for Jewelry Box Billboard compaign and Elegance Beauty Saloon and works in other unnumberable commercials and brands.
Personal Biodata (Life History)
Birth Name: Armeena Rana Khan
Nick Name: Armeena
Height: 5'6″
Hair Colour: Brown
Eye Color: Hazel
Birth Place: Canada
Education: Graduated with a Business Degree
Languages: Urdu, English
Hobbies: Reading Books, Traveling, Rock Climb
Armeena Rana Khan is a girl with the guts and she will soon make her legendary name among the top class models in Pakistani. In this post, we have collected some beautiful and hot pics of Pakistani fashion model Armeena Rana. We are quite sure that you will like theses impressive pictures collection. Let's have a look at these photos in detail.
Armeena Rana Khan Fashion Model Biography – Gorgeous Photo Shoot


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Dr Who Trivia
Doctor Who is one of the most popular TV series ever! There is hardly a person who hasn't heard about it.
Doctor Who first aired in 1963. The initial run lasted 26 years with the respective 26 seasons. During the initial series, the audience has seen eight official Doctor Who incarnations. The reboot of the series didn't start it all again but continued starting with the 9th Doctor. It took off again in 2005 and is still ongoing.
That is quite an impressive span for a TV series. Only the most devoted fans have seen all the seasons and can successfully pass this Doctor Who trivia quiz. Are you one of them? Try your luck and test your memory with us!
Doctor Who is a massive product, no doubt. It has already surpassed the original TV series. Today, it covers multiple movies, cartoons, and comic books. For the sake of your sanity, I haven't included some of the lesser-known information you'll hardly know. If you'd like to expand the quiz with the top-grade hard trivia facts, let me know in the comment!
For now, check these impressive numbers that show just how magnificent of a project it is.
Doctor Who in Numbers
Since 2015, there have already been 147 episodes! And that is only the revival era. Imagine how many episodes there are overall! Think hard - it'll help you in the upcoming Doctor Who test!
If counting only the canon full-time Doctors, there have been 13 incarnations. Plus, we can add the War Doctor and a few small disheveled appearances. But counting them is less interesting than the next thing!
And it is the overall setting of Doctors' travels! While the past/future travels seem to take approximately the same amount of attention, the advantage goes to the future. 51% of our favorite Time Lord's travels are set in the future. Interestingly, the past's percentage is not 49! It's only 23%. Around 16% of adventures happen on spacecraft, 33% on alien worlds, and 4% on other realms. You can check the detailed statistics here.
The 4th Doctor, portrayed by Tom Baker, holds an important Doctor Who record - the longest on-screen time. 71 hours and 37 minutes in the main series!!! That is quite an impressive number for British television overall and for Doctor Who especially.
The youngest "doctor" is only 27 years old. Matt Smith was only 27 when he took the role of the 11th Doctor in the series. Both his young appearance and actor skills made him a largely popular Doctor among the younger generation of fans.
Daleks are the main enemy of the Doctor of all incarnations. They took up 13 stories in the revival series, while the second most impressive villain, the Cybermen, only 11 stories. Can you guess the third archenemy of the reboot? Of course, you know him. It's the Master!
Now, after a few fun numbers, are you ready to move to the main part of the fun? The quiz! Also, you can try this cool Attack on Titan character quiz later!


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Free download Adobe CC 2019: here is the guide to free download all the programs of the Adobe CC 2019 package. Free download Adobe CC 2019 + crack
Adobe Free Download (Windows PC and Mac)
Lately I have received many requests from users who need to download Adobe CC 2019 for free for Windows and Mac.
Since the situation is becoming difficult to manage and I struggle to respond individually to all users, I decided to publish an article in which I explain once and for all how to download Adobe CC 2019 for free for Windows and Mac PC.
In this guide in particular we will see how to have:
- free adobe reader
- adobe acrobat gratis italiano
- free adobe illustrator
- free adobe
- free adobe photoshop
- free adobe premiere
In short, in a few simple steps you can have Adobe CC 2019 for free on Windows PC and Mac.
Since the procedure is quite long (but not difficult), let's not get lost in chatter and let's start.
IMPORTANT : the guide doesn't necessarily work with all versions of Adobe CC 2019, you have to try it.
Download Adobe CC 2019 for free – Windows & Mac
The first thing to do is to download Adobe CC 2019 for free for Windows and Mac.
This part is common as it is possible to download the trial version of Adobe CC 2019 directly from Adobe servers. Not everyone knows it, but it is possible to obtain a trial version of Adobe CC 2019 for free and legally. After downloading and installing it, we will activate it thanks to the crack, but this first step is simple, fast and common to all operating systems.
So the first step to do, regardless of whether you have Windows or Mac, is to go HERE and download Adobe CC 2019 for free from the official website.
You choose whether to download the entire Adobe CC 2019 package or the individual programs that are part of the package. However, know that the guide is compatible and works with the following Adobe programs:
- After Effects CC 2019
- Audition CC 2019
- Flash CC 2019
- Illustrator CC 2019
- InCopy CC 2019
- InDesign CC 2019
- Media Encoder CC 2019
- Muse CC 2019
- Photoshop CC 2019
- Prelude CC 2019
- Premiere Pro CC 2019
- SpeedGrade CC 2019
- Deminsion CC 2019
- Dreamweaver CC 2019
- Acrobat CC 2019
Once the download is complete, install the app you downloaded or the whole package (based on what you downloaded).
At this point you have successfully downloaded Adobe CC 2019 for free. And we have already completed half of the work.
All very well so far, but I assume you also want to activate Adobe CC 2019 via crack, right?
And then at this point the guide splits.
NOTE: simple information guide, to answer the questions I receive daily from blog users. My advice is clearly to buy a regular Adobe CC 2019 license and to pay the monthly or annual subscription.
Activate Adobe CC 2019 Windows
I can't explain how to crack the Adobe CC 2019 program on Windows as it would be illegal, but I can advise you to:
- go to THIS SITE
- scroll to the bottom of the page
- download the GenP 2.2 program Adobe CC 2019 All Products Universal Activator from the links at the end of the article
- follow these instructions to proceed with activation:
- Download and install your Adobe app via Adobe Creative Cloud
- You'd better disable your antivirus programs temporarily
- Launch 'RunMe.exe'
- Click on the App icon You Want to Crack at Top
- Click Analyze (the 2nd button), and Wait the Analyzing to Finish
- Click Patch (the 3rd Button)
- That's All, Enjoy
In short, it will take you a couple of clicks and you will reach your goal.
Activate Adobe CC 2019 Mac
I can't explain how to crack the Adobe CC 2019 program on Mac as it would be illegal, but I can advise you to go HERE and download the file that will allow you to activate the program.
On the page I have indicated you will also find a simple guide that explains how to proceed. Basically, however, once you download the program you will only need a couple of clicks and you will reach your goal.
With this guide we have concluded.
For any doubt or question, leave a comment at the end of the article and we will reply as soon as possible.
We will obviously keep the guide always updated in order to always offer you the latest version of Adobe CC 2019 and above all the programs to activate it for free.


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Using Twitter For Business
If you are not taking advantage of Twitter for business, you are missing out on an effective way to market and connect with your audience. Twitter has grown by leaps and bounds and has become the go-to social media platform for businesses, individuals and personalities.
What is the draw? Twitter is instant, it's quick. It's a "right now" way to stay in touch. It's short and sweet and makes you accessible.
Many businesses find that Twitter not only enhances discoverability, it is also a powerful tool for feedback, and for engaging with customers and potential customers.
Setting Up Your Account
If you haven't started your business Twitter account yet, get going. It's easier than you think to create a profile, branding and get your first followers. Here are some tips:
- Use your business name and logo. Consistent branding is key, so make sure that your header and photo are good, clear representations of your business.
- Be sure to update your website, blog and email signature line with your Twitter handle so that people can connect with you.
Here is a much more in-depth guide to setting up your account
Be A Good Follower
Unlike other social media sites, you can't just wait around for people to find you. Of course, people will, but with Twitter, you really need to be following other accounts, or you will just look like you are there to blatantly sell and promote yourself.
This is not what social media is for. Especially on Twitter, if you send out a barrage of spammy sales posts, people will unfollow you in a heartbeat.
Who should you follow? Follow people who are in the same business, associates, etc. If you are a B2B then follow your customers business sites. Follow people in related industries. Following others show that you are there to connect and engage, and that is what Twitter is all about. Many times by simply following others you'll be followed back.
What Should You Post?
Twitter allows you 140 characters to get your point across. This limited post length may seem a little intimidating, but it does make for concise messages and adds to the fast pace of the network.
One of the first things you need to realize when it comes to posting to Twitter is that you need to post quality content on a regular basis, without coming off as spammy and without bombarding your followers.
The best way to go is to post a mix of other people's content, your blog posts, etc. and engagement with others. This could come in the form of responses to the Tweets of others, retweeting relevant or entertaining content from other accounts and also your own Tweets.
Sharing content is a great way to keep putting out quality Tweets. It also helps build relationships with your followers when you share their content. Of course, this must be done effectively. Only post things that add value and are relevant to your audience.
A good rule of thumb is to follow the 80/20 rule: 80% of your posts should be content from others, while 20% should be your own original content. People want useful information from multiple sources, and citing external content is both natural & expected.
Twitter Engagement
Aside from posting quality Tweets and sharing content, one of the most important things you can do on Twitter is to respond and engage. People may Tweet questions, comments and feedback about your products and services. Responding promptly helps build trust.
Always make sure to pay attention to any feedback you receive on your social media sites. This feedback can be valuable and help you build and improve your business.
Follow Them First
I follow you then you follow me back. This is the most common way to get followers. Careful tho, as there is a limit to the number of accounts you can follow at any one time. Every account can follow 2,000 users total. Once you've followed 2,000 users, there are limits to the number of additional users you can follow. The details beyond that are not published by Twitter. Takeaway: Following is good and leads to connections, however it's not something you want to go overboard with.
Favorite Their Post
I click 'favorite' on your Tweet, then you follow me. This method helps you gain targeting following by first finding Tweets that match your interests and targeted keywords. Then you click 'favorite' and often they reciprocate. This takes more time, but gives you a much higher quality and engaged following. Takeaway: Favoring quality updates can earn you likes & makes your account more useful to your follows, as they can see your favorites list.
Offer To Follow Me
If you follow me, I give you something of value, such as a document, contest entry , ebook, etc. This can be very effective if coupled with other offers, and depending where you set up the offer you could have very targeted followers or untargeted followers as a result. This works great for local advertising. Takeaway: By combining Twitter with offers of value, you can quickly build a very targeted list of followers by either geography, interest or ideally both.
Here are some more advanced tactics
Get To Know Hashtags
You have probably heard of hashtags, but you might not know what they are, or how powerful they are.
The hashtag feature allows users to "tag" their post with a specific word or phrase. This hashtag can then be searched, making your Tweet easy to find by people who are exploring specific topics. Events, places and activities often become hashtags. There are also trending hashtags, and when done well, you can leverage these trending topics to gain visibility. This must be done carefully.
Here is a great resource that will allow you to research hashtags
Create Lists
Twitter has a list feature that makes it easy to group the people, businesses and organizations you follow into categories. For example, you may create a list for vendors, customers, businesses, influential people and more.
Twitter is an amazing tool for business, when used correctly. The most important thing to remember is that it is a Social Network, so be social. Keep your followers informed about your business, products and services in a non-intrusive way, and use the features that Twitter provides to grow your following. If you have any questions and/or need help setting up your social accounts, contact us today.


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Photo call opportunity: Merrion Street Gardens, Merrion Street, Leeds, LS2 8JE (near to the St John's Centre) on Thursday 13 June at 12.30pm
MindMate, a website (www.mindmate.org.uk) that provides mental health and emotional wellbeing advice and information for children and young people across Leeds, will be celebrating its fifth birthday during June.
Since its launch, MindMate has expanded to include dedicated young people ambassadors, the establishment of a MindMate school support and training programme, and the setting up a dedicated single referral point for healthcare professionals and service users.
Dr Jane Mischenko, Commissioning Lead for Children and Maternity Services at NHS Leeds Clinical Commissioning Group, said: "Across the city partners are committed to improve the mental health and wellbeing of children and young people in Leeds. The MindMate website has been developed with children and young people from the start. The success of the MindMate website and programme of work is built from this ethos of partners working with children and young people in the city. Our key partners are Leeds City Council, local voluntary and charitable organisations, and Leeds Community Healthcare NHS Trust.
"We're proud of the work we've done together, whilst recognising there is more we want to do. Some of our key achievements include employing the MindMate Ambassadors, who have an important role in the success of the MindMate website. The ambassadors are a group of young people who have a real passion in improving mental health support for children and young people in Leeds. We have a total of eight ambassadors, who promote the MindMate website, working with young people in the city to continue developing the website.
"Another one of our achievements has been the launch of the MindMate Single Point Access (SPA). This provides a single referral point for professionals, for children and young people who need support with their emotional wellbeing or mental health. From 1 October 2018, young people (13-17 years) or parents and carers of children (5-17 years) were able to talk directly to the SPA team. To add to this, we've recently launched Teen Connect in 2018 which is a dedicated support line for children and young people experiencing a mental health crisis.
"Looking ahead we have a number of key ambitions to continue improving mental health and wellbeing of children and young people across the city. This includes the delivery of our city-centre young person's social, emotional and mental health service. We're also looking to develop and implement our mental health crisis provision, and to continue to enhance and support the response to trauma for children and young people in Leeds."
Councillor Fiona Venner, Executive Member for Children and Families at Leeds City Council, said: "In Leeds, we've been working really hard to continue improving the mental health and wellbeing of children and young people. MindMate is a fantastic resource, developed with children and young people, which enables them to access support when they need it, locally and nationally, and promotes positive mental health.
"I am delighted that our MindMate Champions programme, which has a focus on promoting positive mental health and healthy minds, has the support of 269 primary and secondary schools, and all children's centres in Leeds, who have signed up to the programme.
"Through MindMate, we have a valuable opportunity to work with partners across the city, including a variety of Third Sector organisations, to promote the great work we are doing to support young people's mental health and really make a difference to the lives of children and young people in Leeds. I am thrilled that MindMate will be celebrating five successful years this June, and am looking forward to seeing this vital work continue to help drive forward our ambition for Leeds to be the best city for children and young people to grow up in."
Rachael Campey, MindMate Ambassador, said: "I became a MindMate Ambassador because I have a real passion for children and young people's mental health from my own personal experience of mental health.
"I've been an ambassador for MindMate for two years and during that time I've seen a number of changes to improve children's and young people's mental health. The website is continuously being reviewed by professionals and young people, and as ambassadors we're able to suggest content as we work with children and young people to ensure the content is relevant.
"I feel that Leeds has a lot to offer if a child or a young person is struggling with their emotional and mental wellbeing; they can go to the MindMate website which has stories from young people about their mental health and what helped them. It also has blogs from children and young people on a number of topics; this includes stress, being a young parent, young carers and social media."
Anyone can log on to MindMate to get the advice and support they need to manage their emotional wellbeing or support others www.mindmate.org.uk
Notes to editors
About MindMate
MindMate is a dedicated mental health and emotional wellbeing website (https://www.mindmate.org.uk/) in Leeds for children and young people, parents and professionals who work with young people.
The website has been developed by NHS Leeds Clinical Commissioning Group (CCG) as part of the 'Future in Mind: Leeds' strategy to improve the emotional wellbeing and mental health of children and young people across the city.
Find out more about the Future in Mind Strategy by visiting https://www.leedsccg.nhs.uk/publications/future-in-mind-leeds-local-transformational-plan-2016-2020/
Success of MindMate
Key achievements that we would like to share on social media:
- The MindMate website has been successfully running for five years and has been co-produced with children, young people, parents / carers and professionals. It's a dedicated mental health and emotional wellbeing website for children and young people
- We have eight young MindMate Ambassadors who raise the awareness of MindMate by attending various local and national events, and supporting us in service design for young people
- 269 out of 276 primary and secondary schools and all children's centres are signed up to the MindMate Champions programme, which looks at positive mental health
- The launch of Teen Connect in June 2018 which is a dedicated support line for children and young people experiencing mental health crisis
- The launch of MindMate Single Point Access (SPA) in 2016. This provides a single referral point for professionals, for children and young people who need support with their emotional wellbeing or mental health. From 1 October 2018, young people (13-17 years) or parents and carers of children (5-17 years) were able to talk directly to the SPA team.
For media enquiries please contact:
Issued by the communications team at NHS Leeds CCG. You can contact the team on 0113 84 35528 or 0113 84 35470. Alternatively please email us: firstname.lastname@example.com


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Introduction to Luoyang Dog Doctor Pet Hospital
Luoyang Dog Doctor Pet Hospital (LDDPH) was founded, formerly known as Luoyang Mengchongai Pet Hospital, by Dr. Liu Fengjun and Dr. Zhang Yuling in July 2014, working in the Henan University of Science and Technology. Now LDDPH is one-stop pet service organization of pet medical, pet grooming, and pet talent training together. The existing LDDPH has two branches, the old one is located in Luoyi Road in Luolong District with construction area of 133 m2; the new one is located in South Hankou Road in Jianxi District with the building area of 285 m2. So far, LDDPH has become one of the large-scale pet referral hospitals in western Henan.
Team composition: At present, there are 16 regular employees, including three Doctors, who are associate professors, graduated from the Northwest Agricultural and Forestry University or Nanjing Agricultural University; seven Master graduated from Henan University of Science and Technology; six pet physicians, four physician assistants, three pet beauticians, two nutrition and health division, and one part-time dog & puppy training division.
Medical equipment: LDDPH is equipped with a total of more than 30 sets of pet medical instruments. The large and medium-sized equipment has Germany MEDONE Digital X-Ray machine, HDO blood pressure meter, LEICA microscope; Mindray biochemical instrument, B-mode ultrasound scanner; Taiwan SOARMED SV-3000 animal dedicated breathing anesthesia machine; Korea i-CHROMA Reader immunofluorescence analyzer; Jiangsu Aodikang electrolyte analyzer, etc..
Special services: LDDPH has three businesses of pet medical, beauty and supermarkets. Pet medical runs the dog vet clinic and cat vet clinic (Isolation Cat Consulting Room and Ward), mainly focusing on Orthopedics, Dentistry, Ophthalmology, and Neurology, Surgery, and other incurable diseases diagnosis and treatment. Beauty department operates a pet fur care center service for dog and cat grooming, bath, SPA, fur care, etc. The supermarket sales various dog and cat supplies, including food, snacks, toys, utensils, chain, bedding, sanitary ware, health care products, shower gel and so on.
Training Center: Our hospital has been teaching pet physician in elementary, intermediate, advanced three levels, and pet beautician in primary and intermediate two classes. The trainees will be certificated and would be recommended to the employers after graduation.
Service purpose: Everything for Pets.


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What is the Multiple Hurdle method of selection?
The Multiple Hurdle method is a recruitment selection structure in which a chain of hurdles are established which the candidate must get through in order to move on to the next step of the selection process. Each hurdle consists of a cut-off score. The hurdles consist of a selection test or various aspects of the selection tests.
Levels of education, cognitive ability, and other such tests are considered before putting the candidates through the selection process, in order to narrow the candidate pool. The Multiple Hurdle method allows employers to refine the candidate pool by considering those that are qualified for the job, without compromising the validity of the selection process.
In the Multiple Hurdle model, the candidate must pass each sep in the selection process. Failure at any step will result in the disqualification of the applicant.
When to use Multiple Hurdle method in the hiring process?
The Multiple Hurdle method is particularly appealing to situations in the hiring process where a large applicant pool exists for relatively fewer openings. In such a scenario, testing all the candidates on all the steps of the hiring process is simply too costly and time-consuming.
What's the difference between multiple hurdle and multiple cut-off?
The Multiple Hurdle method involves the candidate crossing one hiring hurdle at a time and being scored according to each hurdle passed. Whereas the Multiple Cut-off method involves considering the scores of the candidate simultaneously based on various assessments.


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CPESN North Carolina
launching an attractive and scalable website quickly and affordably is important for modern startups ? stack offers massive value without looking 'bargain-bin'
Leadership & Luminaries
Local Network Requirements
Mission Statement of the Network
CPESN-CT serves to coordinate care in community-based pharmacies through collaboration with other health care providers to optimize medication therapy to ensure patients are achieving positive therapeutic outcomes and reducing overall healthcare costs.
How to join?
Contact: Ed Schreiner [email protected]
Jean Jacob [email protected]
Ed Funaro [email protected]


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The Typology of Phishing Attacks
880 million phishing emails detected in 2018
Phishing emails are designed to look like they were sent from familiar brands such as banks or cloud services like Netflix, Dropbox or Microsoft 365. After clicking on a phishing link, victims are directed to replica webpages where they are instructed to change or update a password or update personally identifiable or financial information. The average user is totally unaware that they've been phished until the business recognizes the breach.
AI-based Phishing Protection
Traditional email filters are designed to identify known threats—which has prompted phishers to use a variety of obfuscation techniques to successfully bypass these products. Vade Secure's Anti-Phishing Solution uses artificial intelligence, including machine learning, to perform real-time behavioral analysis of the origin, content, and context of the email.
Recovering from Identity Theft
Is someone using your personal information to open accounts, file taxes, or make purchases? Visit IdentityTheft.gov, the federal government's one-stop resource to help you report and recover from identity theft.
Additional Capabilities
- Automatic Site Closure: Vade Secure shares information with organizations that are unknowingly involved in phishing attacks, rapidly blocking URLs and automatically closing malicious websites.
- Brand Alerts: Brands and domains that have been usurped by hackers are alerted by Vade Secure so that they can warn their customers as quickly as possible.
- IsItPhishing: Vade Secure's IsItPhishing.AI allows users to enter a URL in a search bar and automatically identify whether a link is a phishing URL.


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Chasing sunsets and waterfalls in Shenandoah
I recently returned to Shenandoah National Park in Virginia. It's one of my favorite places and I try to visit often. During my last visit, I climbed to the summit of Hawksbill Mountain. At 4,050 feet (1,234 meters), it's the highest point in Shenandoah and a really great place to shoot a sunset, like the one above.
I also visited South River Falls. There are many waterfalls in Shenandoah. This one isn't the tallest or the most frequently visited, but it is certainly one of the most beautiful. I love the tranquility of the space, enclosed by lush forest. I suspect it would be more frequently visited if the trail were a little less steep and a little less rocky.
I actually took numerous photos of South River Falls. I really like the angle and composition of the first one, but the second one (below) is also quite nice with the sun peeking through the foliage.
While in Shenandoah, I also stopped by Big Meadows late at night. It was a mostly clear night without any moon. Those are perfect conditions for astrophotography. The following is a photo of the galactic core of the Milky Way stretching above the meadow.
Keywords: forest, Hawksbill, mountain, scenic, Shenandoah National Park, South River Falls, summit, sunset, tranquility, waterfall
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Gianluigi Donnarumma is close to agreeing a deal with a fixed release clause, while Milan have hope for Aubameyang according to Friday's papers.
Gazzetta dello Sport
Donnarumma is set to earn €6m/year with Milan at 18, here is what other stars used to earn at the same age (right).
Tianjin Quanjian have closed a deal for Anthony Modeste, thus giving up on signing Aubameyang. Milan have hope now.
Kalinic's agent Erceg and Ramadani (close to Fiorentina) are in Milano. New contacts are expected soon.
Corriere della Sera
Antonio Donnarumma should arrive in Milan in the coming 48 hours to undergo his medical for Milan.
Gianluigi Donnarumma has a release clause set around around €70-80million, which does not depend on Champions League qualification.
La Repubblica
Gigio Donnarumma is currently on holiday in Ibiza, but Milan hopes that it can anticipate the return in Italy to sign the renewal contract by this weekend.
Gianluca Lapadula is taking his time with negotiations with Genoa, while M'Baye Niang is still on the market but no concrete offers have been received.


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There's something about sand dunes that I find incredible. I guess it's a landscape that isn't a common one. It's an environment that's usually associated with boiling hot desert like conditions that aren't easily accessible (believe me, I've camped in the Sahara Desert during a sand storm!). Thanks to a roadside sign on the I-94, advertising 'dune rides', I did a bit of research and discovered Silver Lake Sand Dunes on the shores of Lake Michigan. Did you know you can go sandboarding in Michigan?!Continue reading "Sandboarding Michigan at Silver Lake Sand Dunes | Michigan USA"
Tag: Sand Boarding
Lancelin: Sandboarding At The Lancelin Dunes Western Australia!
After getting a taste for Australia in 2008, I really wanted to go back and road trip the west coast, escape the cities and experience 'outback' Australia. Lancelin Sand Dunes were one of my highlights from my 7 day Western Australia road trip. I don't think I've ever seen so much WHITE sand in my life! The town of Lancelin is just a short 90 minute drive north of Perth, making it an easy day trip from the city! Continue reading "Lancelin: Sandboarding At The Lancelin Dunes Western Australia!"


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Soil Is the Unsung Hero in the Fight Against World Hunger
Cutting-edge tech promises to produce food more cheaply and at a greater scale than we ever thought possible: tractors with AI, gene-edited crops, and single-sex dairy cow reproduction have made the news lately. Many of these innovations are the natural outgrowth of a century focused on reducing food production to a series of inputs that can yield something ingestible at the greatest possible profit.
We moderns have tended to look on these innovations with admiration, as we do with so many technological and industrial advancements—they reflect our inclination to seek ever-greater control and domination over natural systems.
Yet food is an area where we should be deeply engaged with natural systems, rather than trying to dominate them. We should be looking to nature for answers to today's big questions: How will we feed 9 billion people by 2050? How will we grow enough food on a hotter planet?


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Travel Advisor- Group Cruise & Disney Specialist
Marylou is a travel advisor who has mixed her training, and expertise with her travel experience. She is a group specialist who has lead her groups through the Caribbean. She is a Mother of two, who knows family travel, and will help advise you in your travel planning.
ACC-Accredited Cruise Counsellor at CLIA Cruise Line International
Disney Specialist at The Disney Collage of Knowledge
Royal Caribbean Cruise Line Expert
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Michał Krawczak, PhD, associate professor, program director and co-founder of Humanities Art and Technology Research Center at AMU (artandsciencestudies.com). He was giving lectures and workshops i. a. at Folkwang Universität der Künste, DE (2015), Harvard University, Boston (2015), Emerson College, Boston (2015). In 2015 he was also on research stay in Zürcher Hochschule der Künste in Zurich, Switzerland. Author, designer and curator of art and science projects, such as Transnature is Here (2013), Post-Apocalypsis (2015), Anaesthesia (2016). He was awarded Golden Medal for sound design for collective interactive installation Post-Apocalypsis (2015) at the Prague Quadrennial of Performance Design and Space, Czech Republic.
Contact: email@example.com
Fields of research:
- media art
- postdigital studies
- technological natures
Selected publication
– The Icon. Essays on the Art of Marina Abramović, AMU Press 2020. (only in Polish)
– Post-Technological Experiences. Art-Science-Culture, ed. M. Krawczak, AMU Press 2019.
– The Spectrality of Nuclear Catastrophe: The Case of Chernobyl, [co-author A. Jelewska], Politics of Machines: Art and After, 'Electronic Visualisation & the Arts' EVA 2018, eWic British Computer Society 2018, http://dx.doi.org/10.14236/ewic/EVAC18.30
– Transforming the Whole World into a Laboratory. Cultural and Artistic Practices in the Post-technological Times, in: Post-technological Experiences. Art-Science-Culture, ed. M. Krawczak, ISBN 978-83-232-3511-8, ISSN 1895-376X, AMU Press 2019, pp. 96-108.
– Video Remediations: From Transmission Medium to Data Landscape. Three Phases of Video Remediations, [co-author A. Jelewska], in: Remediation: Crossing Disursive Boundaries. Central European Perspective, ed. B. Suwara, M. Pisarski, ISSN 2195-1845, ISBN 978-3-631-79504-0, Peter Lang – Veda, Berlin 2019, pp. 113-127
– Experimental Practices: Humanities and Arts in the Process of Modeling Knowledge for Data-Based Society, [co-author A. Jelewska], in: Humanities and Higher Education: Synergies between Science, Technology and Humanities. Higher Education in the World 7 Report, Global University Network for Innovation, ISBN: 978-84-09-14675-8, Barcelona 2019, pp. 347-349
– The difficult relations between art, science and technology in Poland. [co-author A. Jelewska] [in] Art and Technology in Poland. From Cybercommunism to the Culture of Makers, ed. Agnieszka Jelewska, AMU 2014.
– Media democratisation: Creative programming and the culture of makers, [in] Art and Technology in Poland. From Cybercommunism to the Culture of Makers, ed. A. Jelewska, AMU, 2014.
– Symbiotic tangles, [co-author A. Jelewska], [in] Art and Technology in Poland. From Cybercommunism to the Culture of Makers, ed. A. Jelewska, AMU 2014, p. 239-245.
– Designing interaction: software and performing arts, "Didaskalia" 112/2012. (only in Polish)
– Ecosystem of Post-Apocalypsis, [in:] Post-Apocalypsis, ed. A. Kubas, Theatre Institute Warsaw, 2015.
– Transnature Is Here, curatorial text [w:] Oh Man, oh Machine, Malta Festival, Poznan 2013 [co-author A. Jelewska]
– Research grant: Mediated environments. New humanities practices in transdisciplinary research; funded by National Program for Humanities (2016-2021) Humanities, Art and Technology Research Center, main investigator
– Research grant: Art as laboratory of new society. Cultural consequences of post-technological turn; grant from National Science Centre, (2015-2020), Humanities, Art and Technology Research Center, main investigator
– Research grant: Algorithms of new democratization. Polish art in digital era; grant form National Science Centre, (2011-2014), Humanities, Art and Technology Research Center, main investigator
– Art and research grant: Anaesthesia. Transopera project, [with Daed Baitz collective], Placowka program, Theatre Institute Warsaw, (2015-2016).
Selected curatorial and artistic experiences:
– Solastalgia (experimental transopera), 2021 (libretto, interaction design)
– Arthropocene, 2017 (sound and video design)
– Anaesthesia, 2016 (dramaturgy and interaction design)
– I have an Other-ache, 2015 (sound and video design)
– Post-Apocalypsis, 2015 (experience design)
– We, the Children from Project Earth, 2014 (dramaturgy and interaction design)
– Transnature is Here, 2013 (curator)
Leading international labs and workshop:
– Hyperobjects. Technological laboratory (Movements Factory, Poznan, Poland 2017)
– Designing transopera (Theatre Institute, Warsaw, Poland 2016)
– Affective Communication (Folkwang Universität der Künste, Essen, Germany 2015)
– Emotional Urban Weather (Theater Institute, Warsaw, Poland 2014)


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Monday, March 25, 2013
Mess of lighters
There I was at the grocery store checkout, waiting for my turn. There's nothing to do but look at the impulse buy displays. One thing caught my eye, a big jumbo collection of Bic lighters. For a guy who doesn't smoke, I sure buy a lot of those butane lighters.
They are cheap and common so we tend to forget what a technological marvel they are. I can make fire using a number of primitive methods and they are good skills to have. However, if you've ever started a fire with a bow drill or other primitive method, you really appreciate disposable lighters.
I've got them all over the place: the vehicles, the boat, scattered around the house, and in backpacks. If a fire needs to be started I don't want to look high and low for a lighter.
People keep candles, lanterns and camp stoves handy in case of power outages. Store lighters in the same place those other things are kept. Sure beats stumbling around the dark, looking for some way to light the candle or lantern. In an emergency situation, the last thing you need is the stress of trying to find a lighter.
At one time I used to stock up on the cheap dollar store lighters, but not anymore. The failure rate on the cheapos is too high. They come apart in your hand just when you need them most.
So there I was at the checkout, wondering if I really needed more lighters. Then I thought how stupid I'd feel if I needed a lighter and didn't have one. Imagine your vehicle broken down far out in the woods. It's starting to get dark and cold. What would make you feel better: a campfire, or knowing you saved a couple bucks at the checkout.
20 comments:
I always carry a lighter in the winter to heat keys for frozen vehicle door locks. I used it twice this winter and was glad that I had it. Wooden matches are what I stockpile, though - in plastic jars with tight lids.ReplyDelete
Can't ever have too many lighters, or beans or nearly anything else. If you have to ask yourself if you really need them, then you probably could stand to have a few more!ReplyDelete
Kinda like insurance...better to have 'em and not need 'em than need 'em and not have 'em!
Like you I have them scattered all over my home and shop. Matter of fact I just reached behind and opened a small cabinet...two of them waited. Excellent advice.ReplyDelete
- AnonymousMarch 25, 2013 at 9:13 AM
the perfect gift for the closet pryomaniacReplyDelete
Lighters and flashlights,,,can't never have too many.ReplyDelete
Can never have too many lighters, flashlights, batteries, or knives for that matter.ReplyDelete
Since I quit smoking 20 some years ago, I am hard put to find a lighter when I need one. Now that I read your blog I will stock up on some.ReplyDelete
Then you'll have one when you need it.ReplyDelete
Thanks for the reminder. My wife had lots of lighters everywhere, but she's been gone a few years now and her lighters are all but gone as well.ReplyDelete
- AnonymousMarch 25, 2013 at 11:44 PM
Walgreens usually has the best buy on bic lighters on average and they usually go on sale around BBQ holidays like Memorial day or the 4th of July. If you get the Scripto lighters 3 for a dollar at the dollar stores buy them as they hold up pretty well. Not as good as a bic lighter but they don't fall apart in your hands.ReplyDelete
The other day at work we were searching everywhere for a match to light a birthday cake candle. I said "no problem, I'm sure I have one in my (bugout) bag in the car. Nope. Had a magnesium bar with a striker thingey. Hah! Might light the whole cake with that. I bought a bag of lighters next time I was out...ReplyDelete


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Indo-Bangla water conflict/cooperation
There were a lot of expectations from the Hasina-Manmohan summit, particularly Teesta water sharing treaty. But, they were in vain. Bangladesh has been negotiating for a long time with India for harnessing, developing, and equitably sharing trans-boundary river water, which has been a major cause of dispute between them.
Water is a natural resource, and natural resources in general have an impact on conflict/cooperation dynamics. First, they are embedded in a shared social space. Actions undertaken by one individual or group or country may generate effects far off-site. Second, natural resources are subject to increasing scarcity, which is complicated by issues like unequal distribution. From the perspective of the above characteristics, trans-boundary waters are important in the development of patterns of conflicts or cooperation.
Regrettably, despite sharing fifty-four rivers with India, Bangladesh has only one water sharing treaty with it, on the River Ganges, which was signed in 1996. But India removed the guarantee and arbitration clauses regarding minimum water from the treaty. On sharing of common rivers, Article 9 of the 1996 Ganges Water Treaty makes it obligatory for India to conclude water sharing agreements with Bangladesh on principles of equity, fairness and no harm to either party. But the real picture is different. Although a thirty-year water treaty has been in effect between the two countries since 1996, India has been diverting water according to its will, depriving Bangladesh from its just share during dry season.
After originating from the Himalayas in most cases, the rivers flow through a third country, before they cross into Bangladesh. This has put Bangladesh in a tight spot on the issue of sharing water from the rivers that come through India.
The trans-boundary rivers flow through Indian territory, but India did not come into agreement with Bangladesh on the blockage or diversion of river water although an Indo-Bangladesh Joint River Commission (JRC) has existed since 1972. India constructed the Farakka Barrage in 1975 in order to divert a portion of dry season flow to increase the navigability of Calcutta port. When the Barrage went into operation in 1975, the fresh water supply of the Ganges decreased considerably, with a number of consequent effects in the south-west part of Bangladesh. Moreover, agriculture, navigation, irrigation, fisheries, forestry, industrial activities, salinity intrusion of the coastal rivers, ground water depletion, river silting, coastal erosion, sedimentation as well as normal economic activities have been adversely affected.
Water sharing of Ganges is one of the most serious and disputed issues that have bedeviled relations between India and Bangladesh. Conflict regarding the sharing of the water resources in the Ganges-Brahmaputra river system between India and Bangladesh can be traced back since the birth of Bangladesh.
The construction of Tipaimukh dam on the trans-boundary Barak River has raised hue and cry both in Manipur state in India and in Bangladesh. According to experts, the construction of the dam in a geologically sensitive zone, adjacent to the Taithu Fault, is a major concern. A major earthquake may cause the failure of the dam and endanger the lives, land and forests of both India and Bangladesh. The risk of dam failure is a significant issue. A dam-break is a catastrophic failure which results in the sudden draining of the reservoir and a severe flood wave that may cause destruction and death downstream in Bangladesh.
If India implements the project, the downstream Meghna river will lose its water flow and the country will gradually turn into a desert amid acute water crisis. Without any doubt, this dam will have catastrophic effects on Bangladesh like Farakka. India's river linking projects (RLP) is highly likely to have disastrous consequences for Bangladesh, in even greater magnitude and scale covering the whole of the country.
It is unfortunate that India has postponed the proposed Teesta water sharing deal with Bangladesh amid opposition from Paschimbanga Chief Minister Mamata Banerjee. Mamata had expressed her unhappiness about equal sharing of Teesta water with Bangladesh, and strongly believes that Bangladesh should get only 25% of the water.
No state has the right to divert the natural flow of international river water within its territory through unilateral action. The question of water sharing treaty should not arise regarding an international river. If one looks at West Europe and North America then it will be clearer. They do not divide the water, they collaborate in its use, development and preservation. During the last twenty years East Europe (ex. Save river), Africa (ex. Lake Victoria, Zambezi river), South America (Pantanal, Paraguay river) did the same.
Water sharing of international rivers must be on the basis of international law of rivers. India has no right to divert waters of international rivers like Ganges or Teesta. The International Law Association in 1966 laid down that every riparian state is entitled to a reasonable and equitable share in the beneficial uses of waters of international drainage basin. The UN International Law Commission (in Article 7) also emphasises that states shall utilise an international river in an equitable and reasonable manner.
Therefore, it is a legal right of Bangladesh to get equitable share with regard to water sharing. This is not benevolence but justice. Bangladesh should take a strong stand during negotiations as national interest is the cornerstone for any negotiator, and each of the parties will try to ensure its national interest.
Freshwater is already a scarce resource and is becoming scarcer day by day, which could be a source of conflict. Therefore, there is no alternative but cooperation with regard to water sharing. Regional cooperation of the co-riparian countries is crucial for Bangladesh to address her water challenges. Bangladesh needs to build up coalition and strengthen lobbying with Nepal, Bhutan as well as with Pakistan as there is a water sharing dispute between India and Pakistan.
Many experts suggest that it is not possible to resolve the water dispute with India bilaterally and, therefore, we have to raise the issue in multilateral forums like the UN. In this regard, former joint secretary A. B. M. S. Zahur said: "We have waited for 36 years and failed to solve the problem bilaterally. It appears we have no option except taking the matter before the UN to draw the attention of the world community to our miserable plight. We want dispensation of justice, not favour or benevolence (The Daily Star, April 2, 2010)."
Unless the riparian countries join together to ensure optimum use of water, there is a likelihood of conflict and tension in the future. Saarc can play an important role in reducing vulnerability to future water-related disasters through regional cooperation on water management and conservation and development of cooperative projects at regional level in terms of exchange of best practices and knowledge, capacity building and transfer of eco-friendly technologies.
Many think that there is another lesson for Bangladeshi negotiators from Kautillay's diplomacy. Indian mindset and zero-sum gain attitude in negotiation must change to ensure long and healthy Bangladesh-India relationship. Lastly and most importantly, India and Bangladesh should recognise and respect each other's rights, and efforts should be made to firm up regional cooperation to solve the problems of the rivers and the people who depend on them to avoid a water conflict in future.


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State Superintendent of Public Instruction Tony Thurmond announced an "Education to End Hate" initiative Monday that he and others presented as an alternative to President Donald Trump's call for "patriotic education" and as an antidote to acts of hate and hate speech that have risen during his presidency.
A $1 million foundation donation kick started the effort. It will include resources and training grants for teachers to teach tolerance for differences in race and religion, virtual classroom sessions that will be broadcast next month on how to end discrimination, and a roundtable with political and social justice leaders on how to create safe learning environments.
Thurmond, in a press conference, said "unspeakable acts of racism have played out on our television screens." While the spike in incidents of anti-Semitism, Islamophobia, bulling of LGBTQ students and prejudices against Latino students since 2016 have been "heartbreaking," he said, "in those moments I am reminded that education continues to be one of the most powerful tools in countering hate and for promoting understanding and tolerance."
He was joined at the press conference by Rabbi Mayer May, executive director of the Simon Wiesenthal Center and Museum of Tolerance in Los Angeles, which will provide materials on confronting anti-Semitism, and Rick Zbur, executive director of Equality California, an LGBTQ and civil rights organization that will lead trainings for educators.
The S.D. Bechtel, Jr. Foundation, based in San Francisco, is underwriting the initiative. It's been in the works since February, when Thurmond announced he supported a model curriculum on ethnic studies that would emphasize African Americans, Asian Americans, Chicanos and Latinos, and Native Americans — traditionally the focus of the course. Responding to criticism that the course would omit the experiences of Jews and other groups, Thurmond promised that the Department of Education would lead separate conversations on addressing hate and acts of violence and "how we promote the beauty of the diversity of what our students represent in this state."
Trump's call for a 1776 Commission
His press conference Monday, days after Trump called for a 1776 Commission "to clear away the twisted web of lies in our schools and our classrooms, and teach our children the magnificent truth about our country," invited scathing comparisons to Trump's proposal.
State Sen. Scott Weiner, D-San Francisco, who chairs the Legislative LGBTQ Caucus and is a member of Legislative Jewish Caucus, said Trump is "trying to indoctrinate kids that everything was great in 1776." Trump is suggesting, he said, that "we should somehow go back in time even though we know that in 1776 Black people were generally slaves, women had no legal identity beyond their husbands and being LGBTQ was a capital offense."
Zbur said that California's use of education as a tool to end hate, bigotry and racism stands in opposition to Trump's and U.S. Education Secretary Betsy DeVos' effort to implement "some sort of revisionist history propaganda program in our schools."
In revising its History and Social Science Frameworks in 2016, California made a major shift away from seeing history mainly through the eyes of white Europeans who settled and immigrated to America. Students are taught to think critically about equality and explore the ideas of liberty and the opposition movements to create equality, as writer Carol Kocivar explains in a new article for the website Ed 100.
As for ethnic studies, an extension of the framework, Thurmond said, "When kids see people who look like them in their history books, it builds self-esteem and all benefit from learning about the accomplishments of people of color in our state."
The federal government does not determine states' history curriculums or fund them. But in a tweet last weekend, Trump called for defunding schools that use the 1619 Project Curriculum, a set of classroom materials developed by a Pulitzer Prize-winning New York Times project that investigates how slavery has shaped America.
Thurmond called the tweet "ridiculous, reckless and irresponsible" for suggesting that funding would be threatened for "teaching the history and the facts that racism has existed in this country."


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Who Needs A Trust?
By Steven M. Gronceski, CFP®, AIF®
Vice President of Wealth Management
May 22, 2018
Ask anyone you know what kind of person would need to be concerned with estate planning, and 90% would describe the well-to-do retiree who has spent the last 40 years of life building up substantial wealth. Young people tend to think they are invincible. They don't plan on getting sick or even worse, dying. Why, then, do they need an estate plan? They need an estate plan for the same reason that older people create them: we are all mortals with a finite lifespan and no guarantee of good health. Young families do have certain unique concerns that need to be properly addressed, including the prospect of having an 18 year-old inherit assets outright, or having a court decide who will oversee assets for minor children.
Would you trust an 18 year old with the proceeds of your life insurance, IRA, and home? Without an estate plan, children will be able to access their inheritance when they become legal adults at age 18. Unless you consider this a good idea, it may be wise to set up an estate plan which allows a trustee to distribute the money to your children over time. For example, naming the child as the beneficiary of a trust, as opposed to not doing an estate plan at all and giving the child access to their entire inheritance when they become a legal adult. A trustee can have discretion to pay for the child's education and living expenses, and can give them spending cash without giving them direct access to their eventual inheritance. One doesn't have to have millions to set up a trust. Trusts can and should be used to control access to assets that a parent wouldn't want their child to receive in a lump sum.
In addition, with a trust, unnecessary and costly court proceedings can be avoided. Parents can designate a trustee that will manage distribution of any assets being given to minor children. If this is not done, a court will step in and act as a conservator to manage the property on behalf of the minor child. That burden and expense can be minimized with some simple trust planning.
The ideal solution for parents who do not want to leave assets directly to their children, and prefer to have the family avoid a probate proceeding, may be to leave any assets to children in trust. The assets and distributions can then be managed by a person or entity of the parents' choosing, who are under a legal obligation to manage the assets for the child's benefit as the parents have set forth. Once the child reaches what the parents consider a mature age, the assets can then be distributed from the trust. If additional benefits are desired, the trust can continue and often times can provide creditor and marital asset protection. One should consider having a Trust Protector and the situs of the trust in their planning for maximum flexibility.
Strategic Private Trust Services can help you determine whether you would benefit from the use of a trust in your estate plan. Funding considerations and review services are also strongly suggested every other year.
Unless otherwise expressly indicated, the opinions or views expressed in this article are the author's own and do not reflect, and may differ from, the opinions or views of Strategic Financial Group, LLC or others within Strategic Financial Group, LLC, including its officers, managers, owners, employees or other service providers.


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Chelsea White DressUP TO 60% OFF
Melissa Odabash's Chelsea White Embroidered Short Dress is the perfect dress to add into you destination wardrobe. The Chelsea is decorated with floral-like embroidery over the skirt and top, finished with non-functional buttons and golden cord ends on the neck ties. With a scooping neckline and back, the Chelsea creates a sexy silhouette. In white, the designer beach dress sits beautifully against all skin tones from fair to dark.
- Round Neck
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Wash on Cold. Wash with similar colors. Do not bleach. Do not tumble dry. Do not dry clean. Cool iron only. Wash and iron inside out.
Model wears a Small
Model Measurements: Height 5'11in / Bust 32C / Waist 25in / Hips 36.5in


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Here's How Much David Perdue Is Really Worth
Georgia Senator David Perdue may have fully embraced President Donald Trump's America first narrative, but as The New York Times reports, Perdue built a global career — and likely earned his wealth, estimated at $15.8 million, according to USA Today — by working at companies that moved jobs originally based in the United States offshore, and to countries with lower wages like China.
Perdue grew up in Warner Robins, located 100 miles south of Atlanta, Georgia, and the site of Robins Air Force Base. Perdue, who is not related to the Perdue chicken family (via Delmarva Now), grew up with his cousin Sonny Perdue, as per the Albany Herald. Sonny Perdue is the Trump administration's Agriculture Secretary.
Perdue's career arc saw him ending up at dessert conglomerate Sara Lee, who hired him in 1992 to open a headquarters in Hong Kong and to build their business across the Asia region, as per the NYT. He then joined another company, Haggar Clothing, which had hired him to head its international operations and to increase offshore outsourcing, which he managed to do by moving company plants from the United States and into other markets, according to the outlet.
David Perdue made money working for global conglomerates
From Haggar Clothing, David Perdue went on to work first at Reebok, and then at a North Carolina company named Pillowtex where he worked for less than a year. After Pillowtex went bust, Perdue pocketed $1.3 million, as per AJC. He then went to work for Dollar General where he once again increased that company's outsourcing capacity, according to The New York Times. Dollar General was sold in a buyout which earned Perdue an estimated $42 million.
Always a businessman, The New York Times says Perdue carried out as many as 2,596 stock trades in one term. Perdue staff say there is no impropriety, since the senator doesn't handle his portfolio himself. Perdue communications director John Burke has said that "Senator Perdue doesn't handle the day-to-day decisions of his portfolio — all of his holdings are managed by outside financial advisers who make recommendations, set strategy, and manage trades and personal finances."


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Renault HBC compact SUV is all set to hit the showrooms of India in the second of 2020. We can expect the launch of the car very soon as the second half-year of 2020 is just around the corner. The vehicle will be based on the platform of Nissan's CMF-A+. The compact SUV will share most of its designs and features with the Renault Triber subcompact SUV. Talking about the appearance, it is going to carry an upright SUV-ish stance with a different design. It might come fitted with the 16-inches alloy wheels and higher ground clearance.
It is also going to be offered with the LED day time running lights and in the top-spec model, you will be able to see alloy wheels and rear wipers. Inside the Renault HBC compact SUV, the steering, seats and dashboard will carry the same design and dimensions from the Renault Triber MPV. If we go under the hood, the compact SUV is going to employ a 1.0 litre 3 cylinder turbocharged engine of petrol which is codenamed as HR10. The motor of the gasoline will be paired with the five speed automatic or manual gearbox unit. The power output of the car will be around 95 bhp which could have improved.
Talking about its rivals, Renault HBC compact SUV will lock horn against the Maruti Vitara Brezza, Mahindra XUV 300, Hyundai Venue, Ford EcoSport and Tata Nexon. It can also be a direct rival to the Kia Sonet which is yet to be launched. It is expected that the Renault HBC compact SUV, will be more affordable than all of its rivals due to the high level of the localisation and low-cost underpinning. It seems like the car is going to make a significant impact on the market of India once the launch takes place.


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May 22nd 2018
BPA has been reported to leach from dental materials, however, there is currently little reason for concern about adverse health outcomes due to exposure from dental materials alone.
Positions as visiting scientist in the field of dental biomaterials research are offered at the Nordic Institute of Dental Materials, NIOM, in Oslo, Norway. PhD candidates and young scientists are especially invited to apply.


text: Last week we covered a great deal of ground on the economic front as the world's central banks, from Beijing to Washington were busy generating versus types of stimulus programs. The Chinese government aided the cause by announcing an infrastructure program of $157 billion in an effort to generate even more stimulus to a slowing economy. As the Chinese authorities begin on a path of shifting the export model to a more domestic consumption type growth plan, there is a great deal of excess Chinese capital development that needs to be utilized and the slowdown in global economic growth mandates a shift in priorities for the POLITBURO.


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Preventive Plumbing Maintenance: Tips for Calgary Homeowners
Your home's plumbing is a complex, intricate system that needs proper care and maintenance to run smoothly. Your plumbing system includes all of the pipes that
Plumbing contractors setup and install the vital plumbing systems in a building. As such, they bear the responsibility for the safe operation of the plumbing facilities and their continued operation.
As a homeowner, it is important that you pick a plumbing contractor with much care, and know how to deal with them as they install your plumbing system.
Choosing a Plumbing Contractor
There are a wide variety of plumbing contractors available and it takes a good deal of discernment to pick the right one. Here are some tips you may wish to consider while making your selection:
* Get estimates from several contractors and make sure these estimates are for completed work, not just estimates for sections of the system. Keep in mind that a higher cost may not always be a bad thing, depending on the materials and quality of work.
* Make sure the contractor you choose is licensed and bonded!
* Check with previous customers for references. Satisfied customers can give you peace of mind when dealing with a plumbing contractor.
* If you are dealing with a plumbing contractor company, check to see if the company is a member of the Better Business Bureau (BBB). If so, you can check the reliability records that the BBB has on file. If the company is not a member, you can still check to make sure there are no complaints against the company.
* Obtain a written contract from the plumbing contractor. Read the contract carefully and make sure that you understand it. Do not sign the contract unless you have read it and and understand it.
Why Hire a Good Plumber?
When you hire a plumbing contractor, you want to make sure you get the best value for your money, which is why it is important to hire an experienced plumbing contractor. Qualified and efficient plumbing contractors will take care in their work and install a robust plumbing system with a solid design. Thus, hiring a good plumbing contractor will save you money because a good plumbing contractor will put in safeguards against future problems such as water pressure issues and back ups.
Laying out a plan for a robust drainage and water flow system in a building is the basic building block for a long-lasting, effective plumbing system. Only a qualified and experienced plumbing contractor can provide this service adequately.


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Green Bay Police identify man who died in custody
Green Bay Police have identified a man who died in their custody as Javier Francisco Garcia-Mendez.
The 46-year-old Green Bay resident was pronounced dead after an April 26 arrest on the city's west side.
Police say the Brown County Communication Center received multiple 911 calls about a man who was pounding on doors and chasing people in the 1400 block of Admiral Court.
A short time later, police were called to the 1400 block of Shirley St for a report of a man who was yelling and screaming that someone was after him.
Officers located the man in the 1400 block of Shirley St. Police said a taser was deployed and the man was handcuffed.
"The officers observed the subject was in distress and began life-saving measures," police say.
The Green Bay Metro Fire Department arrived on scene and continued life-saving measures.
The man, identified as Javier Francisco Garcia-Mendez, was taken to a local hospital and pronounced dead a short time later.
Police say he had been arrested the week prior for a disturbance at a different home in the city.
The Appleton Police Department is investigating. State law requires an outside agency to investigate officer-involved deaths.


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Blue Jays Fall to Mariners, Slide Continues
WP: Chris Young – 6.2IP, 2H, 1ER, 2BB, 3K
LP: J.A. Happ – 6.0IP, 7H, 4ER, 1BB, 1K
S: Fernando Rodney (34) Note: Straighten up your hat, young man.
The Toronto Blue Jays fell again to the Seattle Mariners on Tuesday Night by a score of 6-3, failing for consecutive nights to generate meaningful offence off of the opposition's starter. After managing just 3 hits against Felix Hernandez one game ago, the Blue Jays matched that hit total against the Mariners Chris Young, giving J.A. Happ another dose of the bare-bones run support he has become accustomed to.
The Blue Jays offence seemed ready to pounce early, as Jose Reyes (1-3, 2R) led off the game with a walk and was quickly doubled in by Melky Cabrera (2-4, RBI). The offence stalled there, however, as the Jays were unable to cash in Cabrera and were on the defensive against Chris Young all game long. Despite the strong season he has had, a team in the midst of a playoff race cannot afford to be dominated by someone like Chris Young in mid-August.
J.A. Happ regressed slightly from his dominant starts over the past weeks, but still did keep the Blue Jays offence in the game while doing his best to protect a beaten bullpen. Happ did, however, allow more home runs than strikeouts with solo blasts to Kyle Seager and Kendrys Morales. The lanky lefty started the game hot and was spotting his fastball brilliantly, but a tight strike zone and inability to finish off hitters with two strikes limited his effectiveness.
This loss moves the Blue Jays 6.5 games back of the Baltimore Orioles in an AL East race that is fading fast. Toronto also stands 2.0 games behind Seattle and the Detroit Tigers, who are tied for the 2nd Wild Card spot behind the LA Angels.
The Blue Jays will get no sympathy from the Mariners, who send another elite arm to the mound on Wednesday night in Hisashi Iwakuma. R.A. Dickey will counter for Toronto in hopes of salvaging a win from this trip. With Edwin Encarnacion looking strong in AAA and expected back on Friday, the Blue Jays batters will need to rally together and return to their team-first offensive style that catapulted them to the top of the division early in the year.
MVJ: Melky Cabrera. With two hits and an RBI on the evening, The Melkman was a rare bright spot for the Blue Jays. If Toronto is unable to sign Cabrera this coming offseason, I suggest we all take a second job and crowd-fund his contract. I'm sure Rogers would kick in $1,500 to help. Maybe.
Tomorrow's Probable Starters:
TOR: R.A. Dickey (9-11, 3.99ERA)
SEA: Hisashi Iwakuma (10-6, 2.86ERA)


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An intriguing new report attempts to shed some light on the wireless charging technology which the iPhone 8 may adopt when it comes out next year. Unlike standard wire-free docks or pads, Apple may be developing a truly cordless solution.
Previous rumors have held that Apple is working with a company called Energous to implement wireless charging in its future iPhones. The latter's technology requires a chip to be installed inside a device. This chip can connect to a base station located up to 15 feet away. The transmitter would be plugged into an outlet and power up the device without any physical contact.
The system appears to be unlike any other charging solution available in the market right now. It would also handily resolve an iPhone 7 owner's current dilemma of not being able to charge and listen to music at the same time. As for evidence of this happening, BGR reports that Energous recently stated that it is working with a 'tier 1' smartphone manufacturer.
Also See- iPhone 8 : All you need to know about it
This in itself is too vague to directly assume that the manufacturer is indeed Apple. However, further proof arrives with the fact that Dialog Semiconductor and Pegatron, both major Apple production partners, have invested huge sums into Energous. The former is notably a power management solutions company which has sunk in $10 million as a strategic investment.
If not Apple, the other possible tier 1 firm being bandied about is Samsung. This seems very unlikely as of now, though only time will tell whether this assumption is accurate or not.


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Oil and Gas Regulatory Authority has forwarded a summary to the petroleum division to revise the petroleum products prices for the coming month of December 2018, reports a local media outlet.
As per the media, the finance ministry will see the recommendation and will revise the oil prices accordingly. The recommended prices are not disclosed by the authority and the new prices will come into to effect from December 2018.
Industry experts are saying that as the prices of petroleum products have been decreased internationally, the local consumers should also get benefit from it and the government should slash the prices. Let's wait and see what the government do in this regard.
Read Also: Petrol price goes up by 5 Rs to 97.83/litre
Current oil prices are as follow:
Earlier, it was reported that the Federal Government of Pakistan might increase the prices of petroleum by up to PKR 15 in the span of the next three months due to the pressure imposed by International Monetary Fund (IMF).
Aside from government revising the rates of petroleum products in the country, Pak Suzuki amid rupee devaluation has increased the rates of its CBU vehicles by Rs.100,000 – Rs.300,000.
Tell what you think in the comments section below.


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- Posted by ICS College
- Posted in Blog, Business, co curricular activities, Departmental, Design / Branding, Education, International, Learning, Training, Uncategorized
ICS College, The Best College in Kenya prides itself in providing holistic education to all its students.
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Our students get to visit the ICT Lab, the Salon, the Studio, the Kitchen and also outdoor field/educational trips to actual organizations.
We have six major schools namely the School of Hospitality & Languages, School of Beauty & Fashion Design, School of Media Studies, School of ICT & Engineering, School of Business and School of Social Sciences.
Our October Intake is ongoing till 15th October. Please Join us now or register for any other future intake and get Sponsorship in terms of a free 3G 7inch Android 4.4 Tablet plus Free Computer Course and a new T-SHIRT!!!
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What do you see changing in schools right now?
One major shift that's happening is the speed of technological innovation. With today's technology complexities, security vulnerabilities and the need to scale up or down efficiently, schools are under unprecedented pressure. To ensure their devices, internet access and IT networks are all operational and totally secure, schools often require more than one individual on staff to handle their IT infrastructures.
With all of that pressure, how can schools keep up and ride the crest of the coming technology wave?
You can look at it from a few different angles and cost is arguably one of the most important ones. Businesses for example that outsource their IT can save as much as 40% of their budget, which is a huge cost savings. This could be welcome news for schools that operate under constrained budgets because it means they won't be caught short if the school needs to quickly expand its IT infrastructure. It also allows schools to happily focus on their daily administrative functions. We often see schools with tight budgets and limited resources that are easily able to cover their basic services with help-desk support and then add more advanced services later as the budget allows it.
Does this mean schools that outsource their IT are cutting back on their IT staff?
No, not necessarily. Outsourcing can be an extension of support to the staff you already have. One thing worth considering for schools in a time of transition however, is this: when outsourcing IT, you have the expertise of a larger team of professionals at your disposal; IT professionals who are continually trained and certified on the latest technologies. So if you do choose to outsource, you won't have to spend extra time and money on training an employee, which most people would agree is a bonus.
What's the biggest challenge that schools have moving forward with IT?
The time and money factor in keeping up with the latest technology – that's the real challenge. With the numerous responsibilities school administrators have to prioritise every day, it's completely understandable that the management of IT is often seen as a big expensive hassle. Typically schools have much longer research, development and implementation phases, which not only increase costs but also slow down your operational processes – but it doesn't have to be like that. The other thing is, most people don't know exactly what an IT expert does and how they do it. It isn't easy to understand if you don't have time to keep up with all the latest technologies.
At the end of the day, if you need someone you can trust that won't cost the earth to work for you in a time of IT transition, outsourcing can be a good choice because it removes the cost of recruiting and all of the extra expenses that come with hiring extra staff and inconveniences like illnesses, vacations, family issues and holidays won't disrupt the 24/7/365 management of your system. My advice is simple. If your school is considering outsourcing IT, the best thing you can do is choose a contract that ensures your IT costs are always predictable and fit comfortably within your budget.
Evan Papantoniou is the Managing Director at BizQuip Solutions which has been supporting schools since 1988.
Melbourne: 03 9863 9547
Perth: 08 9244 2290
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My Gift to Living Water Lutheran Church – Online Giving
We give out of gratitude for God's gift to us. Your generosity makes a difference and is helping change lives. Thank you for believing in the mission of this church and helping us to continue our ministry.
Living Water Lutheran Church uses GivePlus+ Online to facilitate online giving
There are several different ways to give to Living Water Luther Church:
1. GivePlus+ Online Portal
Click on the link from your computer or smartphone to be taken the GivePlus+ Online Portal. Step by step instructions are included online.
2. GivePlus+ Mobile App on your Smartphone
Go to the App Store or Google Play and search "give plus church" or click the below links to download now. Step by step instructions are included on the mobile app.
3. GivePlus+ Text Giving
Enter Living Water Lutheran's 10-digit GivePlus Text number 8882495062 and the amount you wish to donate, then press send.
First time users only: You will receive a registration link. Click the link and enter your contact and payment information. Tap "Process." After registration is complete, you will receive a verification text as well as a receipt via email.
Returning users: For future giving, simply send a text to 8882495062 with the amount you wish to give, and it will process automatically.
4. If you would like to give to our Building Mortgage Fund – click here
5. Drop off or call the church
Contact the church office directly at 480-473-8400. Living Water Lutheran now has the ability to accept credit card and debit cards.
How can I find out more details on setting up the Mobile App?
How can I find out more details on setting up Text Message Giving?
How safe is using the online giving and text giving software?
The software that we use complies with the Payment Card Industry Data Security Standard. The Payment Card Industry Data Security Standard (PCI DSS) is a set of regulations established by the credit card industry that apply to companies of any size that accept credit card payments. (In order for a merchant of any size to process credit card payments, they must adhere to these standards.)
Additional questions? Contact the church office directly at 480-473-8400