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Blitz Chess Mondays with Lauren Goodkind
Published by chessmusings
Chris Torres is a nationally renowned scholastic chess coach working in the San Francisco Bay Area. His classes have attracted players of strengths ranging from rank beginners to world champions. A chess professional since 1998, Chris is widely recognized as one of the main driving forces behind the explosion in popularity and sudden rise in quality of scholastic chess in California. Chris Torres served as the President of the Torres Chess and Music Academy from 2005-2020 and currently is recognized as a correspondence chess master with the United States Chess Federation. Since 1998 Chris Torres has taught 6 individual national champions as well as led multiple school teams to win national championship titles. In addition, Chris Torres has directed and taught at 10 different schools which have been California State Champions at chess. In 2011 and 2012, several former and current students of Chris Torres have been selected to represent the United States at the World Youth Chess Championships. Mr. Torres' hobbies include playing classical guitar and getting his students to appear on the national top 100 chess rating lists. View more posts


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Phone: (608) 255-7060
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By Sally Long, The Open Group
Globalization has transformed the supply chain forever. While it has brought benefits to large Commercial Off-the-Shelf (COTS) Information and Communication Technology (ICT), it has also brought considerable risk. Although most technology hardware and software products today would not exist without global development, the increase of sophisticated cyberattacks has forced technology suppliers and governments to take a more comprehensive approach to risk management in order to protect supply chain integrity and security.
The Open Group Trusted Technology Forum (OTTF) was founded to help technology companies, customers, government and supplier organizations address the risks that tainted and counterfeit products posed to organizations, and the forum made a big step in that direction this week. On March 5, OTTF announced the release of a snapshot preview of the Open Trusted Technology Provider Standard (O-TTPS) that will help global providers and acquirers of COTS ICT products by providing them with best practices that aim to enhance the security of the global supply chain.
The purpose of the snapshot is to:
- Enable participants across the COTS ICT supply chain to understand the value in adopting best practice requirements and recommendations
- Provide an early look at the standard so providers, component suppliers and integrators can begin planning how to implement the standard within their organizations, and so customers, including government acquirers, can differentiate those providers who adopt the standard's practices
- Preview the criteria for mitigating tainted or counterfeit technology products from entering the supply chain
O-TTPS Version 1.0 will be published later this year. There have been many organizations that have helped shape the initiative thus far, and we will continue to rely on the support and guidance of: Apex Assurance, atsec Information Security, Boeing, Booz Allen Hamilton, CA Technologies, Carnegie Mellon SEI, Cisco, EMC, Fraunhofer SIT, Hewlett-Packard, IBM, IDA, Juniper Networks, Kingdee, Lockheed Martin, Microsoft, MITRE, Motorola Solutions, NASA, Oracle, Office of the Under Secretary of Defense for Acquisition, Technology and Logistics (OUSD AT&L), SAIC, Tata Consultancy Services, and U.S. Department of Defense/CIO.
We anticipate that O-TTPS will have a significant impact on how organizations procure COTS ICT products over the next few years across the global supply chain and are interested in hearing your thoughts on the snapshot and the initial direction of the standard. We welcome any feedback in the comments section below, and if you would like to help further define this standard and the conformance criteria for accreditation, please contact Mike Hickey or Chris Parnell regarding membership.
Sally Long is the Director of Consortia Services at The Open Group. She was the Release Engineering Section Manager for all collaborative, multi-vendor, development projects (OSF/1, DME, DCE, and Motif) at The Open Software Foundation (OSF), in Cambridge Massachusetts. Following the merger of OSF and X/Open under The Open Group, Sally served as the Program Director for multiple Forums within The Open Group including: The Distributed Computing Environment (DCE) Forum, The Enterprise Management Forum, The Quality of Service (QoS) Task Force, The Real-time and Embedded Systems Forum and most recently the Open Trusted Technology Forum.


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A listing of known artisans (alive & deceased), compiled for research purposes.
Artisans interested in having their own page on the site may add or update their profile by logging into the Members Only box at the top right side of the Home Page. Listing is free to members. If you know of a deceased artist or non-member artist, please send a profile and up to 4 photographs (digital or hard copy) by email or mail to the office so that we may create a listing for that individual.


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Chapter 4
Then went Boaz up to the gate, and sat him down there: and, behold, the kinsman of whom Boaz spake came by; unto whom he said, Ho, such a one! turn aside, sit down here. And he turned aside, and sat down.
And he took ten men of the elders of the city, and said, Sit ye down here. And they sat down.
And he said unto the kinsman, Naomi, that is come again out of the country of Moab, selleth a parcel of land, which was our brother Elimelech's:
And I thought to advertise thee, saying, Buy it before the inhabitants, and before the elders of my people. If thou wilt redeem it, redeem it: but if thou wilt not redeem it, then tell me, that I may know: for there is none to redeem it beside thee; and I am after thee. And he said, I will redeem it.
Then said Boaz, What day thou buyest the field of the hand of Naomi, thou must buy it also of Ruth the Moabitess, the wife of the dead, to raise up the name of the dead upon his inheritance.
And the kinsman said, I cannot redeem it for myself, lest I mar mine own inheritance: redeem thou my right to thyself; for I cannot redeem it.
Now this was the manner in former time in Israel concerning redeeming and concerning changing, for to confirm all things; a man plucked off his shoe, and gave it to his neighbor: and this was a testimony in Israel.
Therefore the kinsman said unto Boaz, Buy it for thee. So he drew off his shoe.
And Boaz said unto the elders, and unto all the people, Ye are witnesses this day, that I have bought all that was Elimelech's, and all that was Chilion's and Mahlon's, of the hand of Naomi.
Moreover Ruth the Moabitess, the wife of Mahlon, have I purchased to be my wife, to raise up the name of the dead upon his inheritance, that the name of the dead be not cut off from among his brethren, and from the gate of his place: ye are witnesses this day.
And all the people that were in the gate, and the elders, said, We are witnesses. The LORD make the woman that is come into thine house like Rachel and like Leah, which two did build the house of Israel: and do thou worthily in Ephratah, and be famous in Bethlehem:
And let thy house be like the house of Pharez, whom Tamar bare unto Judah, of the seed which the LORD shall give thee of this young woman.
So Boaz took Ruth, and she was his wife: and when he went in unto her, the LORD gave her conception, and she bare a son.
And the women said unto Naomi, Blessed be the LORD, which hath not left thee this day without a kinsman, that his name may be famous in Israel.
And he shall be unto thee a restorer of thy life, and a nourisher of thine old age: for thy daughter in law, which loveth thee, which is better to thee than seven sons, hath born him.
And Naomi took the child, and laid it in her bosom, and became nurse unto it.
And the women her neighbors gave it a name, saying, There is a son born to Naomi; and they called his name Obed: he is the father of Jesse, the father of David.
Now these are the generations of Pharez: Pharez begat Hezron,
And Hezron begat Ram, and Ram begat Amminadab,
And Amminadab begat Nahshon, and Nahshon begat Salmon,
And Salmon begat Boaz, and Boaz begat Obed,
And Obed begat Jesse, and Jesse begat David.
Public Domain Software by www.johnhurt.com


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Below are a selection of examples of how Gardeny can transform gardens with a combination of great garden design, quality garden landscaping and skilled workmanship.
Gardeny have over 25 years of experience with garden design and landscaping. We work with you to transform your garden into an amazing space that you can enjoy for many years to come. For a little inspiration why not check out our before and after garden transformations below.
Sometimes in the case of large established gardens, there is a simply a need to review what already exists, advice on the best way to improve it and tweak it. This may include designing new containers and window boxes, replanting or simply renewing furniture and sourcing cushions, garden lanterns or simply re-covering cushions and chair pads.
The Challenge
At Gardeny, we take a cooperative approach, developing the design concept together with our clients, tailoring the service according to their taste, needs and budget. We can design everything from water features and pergolas and arbours to details such fencing, screens, trellis, benches, plant containers and window boxes.
We Made
We prepare planting plans outlining plant varieties, numbers, spacing and plant care, followed by the sourcing and selection of plants and finally the setting out and planting of plants.
We work with a small selection of specialist trade plant nurseries to source the best possible plant specimens.
"Auch bei mehr als 10 Zulassungen pro Woche, immer einwandfrei. Vielen Dank für die gute Zusammenarbeit" — ROBERT F.


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We are exclusively an online store inspired by the bikinis and swimwear fashion of Rio de Janeiro, Brazil. Our goal is to offer a selection of designers with the ability to incorporate artistic vision with high quality fabrics, vibrant color, prints, handcrafted embroidery and accents. The result of bringing such attention to detail is each unique garment has the ability to identify the style of each woman.
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Outlining the Making Tax Digital regulations for individuals.
Making Tax Digital (MTD) represents a significant change to the way in which taxpayers record their financial information and submit tax returns. At DELUXE Accountants, we can provide guidance on the key aspects of MTD for individuals in the London area.
The government has started phasing in its landmark MTD initiative, which will see taxpayers move to a fully digital tax system.
In this factsheet we outline some of the key issues for individuals including the Personal Tax Account and Simple Assessment.
Making Tax Digital for Business (MTDfB) was introduced in the 2015 Spring Budget. The government's 'Making Tax Easier' document was published shortly after, and outlined plans for the 'end of the tax return'. It also set out the government's vision to modernise the UK's tax system, with digital tax accounts set to replace tax returns for ten million individuals and five million small businesses.
However, industry experts and those within the accountancy sector expressed concerns over the proposed pace and the scale of the introduction of MTDfB. As a result, the government amended the initial timetable for the initiative's implementation, to allow businesses and individuals 'plenty of time to adapt to the changes'.
The focus of MTD is currently VAT, which was implemented from April 2019.
The mandation of MTD for ITSA will now be introduced from April 2026, with businesses, self-employed individuals and landlords with income over £50,000 mandated to join first, a change from the current £10,000 limit.
Those with income over £30,000 will be mandated from April 2027.
The government will also review the needs of smaller businesses and look in detail at whether the MTD for ITSA service can be shaped to meet the needs of smaller businesses.
Following the new approach, the government will not extend MTD for ITSA to general partnerships in 2025.
Although MTD has been paused for individuals until at least 2026, HMRC has introduced the Personal Tax Account and Simple Assessment.
Personal Tax Accounts (PTAs) are digital tax accounts for individuals that have been created by HMRC, and are pre-populated with information held by it. PTAs are designed to permit individual taxpayers to communicate with HMRC, allowing them to update their financial details and check their tax affairs in real time.
Taxpayers may make use of a PTA to make tax payments, provide bank details to HMRC for tax refund purposes and provide details of taxable benefits from employment: for example, the use of a company car.
Individuals can register for a PTA by visiting www.gov.uk/personal-tax-account. The government predicts that, over time, the requirement to complete and file a tax return will lessen for those with straightforward tax affairs.
Under Simple Assessment, HMRC has the power to assess an individual's liability to income tax or capital gains tax, without the taxpayer having to fill out and submit a tax return.
Simple Assessment may be used to deal with the tax liabilities of:
Taxpayers are required to ensure that the information provided by HMRC is correct, and pay their income tax liability online, or by cheque, before a specific deadline, as outlined within the letter they receive. If the taxpayer believes the information to be incorrect, customers are given 60 days to contact HMRC.
Those that miss the deadline are encouraged to contact HMRC in order to discuss their circumstances. Individuals who fail to do so may be subject to penalties.
If you are in the London area, please do contact us for information on MTD.
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IDENTITY THEFT INSURANCECoverage for expenses incurred as the result of an identity theft. Can include costs for notarizing fraud affidavits and certified mail, lost income from time taken off from work to meet with law-enforcement personnel or credit agencies, fees for reapplying for loans and attorney's fees to defend against lawsuits and remove criminal or civil judgments.IMMEDIATE ANNUITYA product purchased with a lump sum, usually at the time retirement begins or afterwards. Payments begin within about a year. Immediate annuities can be either fixed or variable.INCURRED BUT NOT REPORTED LOSSES / IBNRLosses that are not filed with the insurer or reinsurer until years after the policy is sold. Some liability claims may be filed long after the event that caused the injury to occur. Asbestos-related diseases, for example, do not show up until decades after the exposure. IBNR also refers to estimates made about claims already reported but where the full extent of the injury is not yet known, such as a workers compensation claim where the degree to which work-related injuries prevents a worker from earning what he or she earned before the injury unfolds over time. Insurance companies regularly adjust reserves for such losses as new information becomes available. INCURRED LOSSESLosses occurring within a fixed period, whether or not adjusted or paid during the same period.INDEMNIFYProvide financial compensation for losses.INDEPENDENT AGENTAgent who is self-employed, is paid on commission, and represents several insurance companies. INDIVIDUAL RETIREMENT ACCOUNT/IRAA tax-deductible savings plan for those who are self-employed, or those whose earnings are below a certain level or whose employers do not offer retirement plans. Others may make limited contributions on a tax-deferred basis. The Roth IRA, a special kind of retirement account created in 1997, may offer greater tax benefits to certain individuals.INFLATION GUARD CLAUSEA provision added to a homeowners insurance policy that automatically adjusts the coverage limit on the dwelling each time the policy is renewed to reflect current construction costs.INLAND MARINE INSURANCEThis broad type of coverage was developed for shipments that do not involve ocean transport. Covers articles in transit by all forms of land and air transportation as well as bridges, tunnels and other means of transportation and communication. Floaters that cover expensive personal items such as fine art and jewelry are included in this category. INSOLVENCYInsurer's inability to pay debts. Insurance insolvency standards and the regulatory actions taken vary from state to state. When regulators deem an insurance company is in danger of becoming insolvent, they can take one of three actions: place a company in conservatorship or rehabilitation if the company can be saved or liquidation if salvage is deemed impossible. The difference between the first two options is one of degree – regulators guide companies in conservatorship but direct those in rehabilitation. Typically the first sign of problems is inability to pass the financial tests regulators administer as a routine procedure. INSTITUTIONAL INVESTORAn organization such as a bank or insurance company that buys and sells large quantities of securitiesINSURABLE RISKRisks for which it is relatively easy to get insurance and that meet certain criteria. These include being definable, accidental in nature, and part of a group of similar risks large enough to make losses predictable. The insurance company also must be able to come up with a reasonable price for the insurance.INSURANCEA system to make large financial losses more affordable by pooling the risks of many individuals and business entities and transferring them to an insurance company or other large group in return for a premium.INSURANCE POOLA group of insurance companies that pool assets, enabling them to provide an amount of insurance substantially more than can be provided by individual companies to ensure large risks such as nuclear power stations. Pools may be formed voluntarily or mandated by the state to cover risks that can't obtain coverage in the voluntary market such as coastal properties subject to hurricanes.INSURANCE REGULATORY INFORMATION SYSTEM / IRISUses financial ratios to measure insurers' financial strength. Developed by the National Association of Insurance Commissioners. Each individual state insurance department chooses how to use IRIS.INSURANCE SCOREInsurance scores are confidential rankings based on credit information. This includes whether the consumer has made timely payments on loans, the number of open credit card accounts and whether a bankruptcy filing has been made. An insurance score is a measure of how well consumers manage their financial affairs, not of their financial assets. It does not include information about income or race. Studies (1) have shown that people who manage their money well tend also to manage their most important asset, their home, well. And people who manage their money responsibly also tend to handle driving a car responsibly. Some insurance companies use insurance scores as an insurance underwriting and rating tool.Related Study - The Relationship of Credit-Based Insurance Scores to Private Passenger Automobile Insurance Loss Propensity, by EPIC Actuaries, LLC, June 2003INSURANCE-TO-VALUEInsurance written in an amount approximating the value of the insured property.INTEGRATED BENEFITSCoverage where the distinction between job-related and non-occupational illnesses or injuries is eliminated and workers compensation and general health coverage are combined. Legal obstacles exist, however, because the two coverages are administered separately. Previously called twenty-four hour coverage.INTERMEDIATIONThe process of bringing savers, investors and borrowers together so that savers and investors can obtain a return on their money and borrowers can use the money to finance their purchases or projects through loans. INTERNET INSURERAn insurer that sells exclusively via the Internet.INTERNET LIABILITY INSURANCECoverage designed to protect businesses from liabilities that arise from the conducting of business over the Internet, including copyright infringement, defamation, and violation of privacy.INVESTMENT INCOMEIncome generated by the investment of assets. Insurers have two sources of income, underwriting (premiums less claims and expenses) and investment income. The latter can offset underwriting operations, which are frequently unprofitable.
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This report studies the Biometric Payments Market with many aspects of the industry like the market size, market status, market trends and forecast, the report also provides brief information of the competitors and the specific growth opportunities with key market drivers. Find the complete Biometric Payments Market analysis segmented by companies, region, type and applications in the report.
The report offers valuable insight into the Biometric Payments market progress and approaches related to the Biometric Payments market with an analysis of each region. The report goes on to talk about the dominant aspects of the market and examine each segment.
Key Players: Fingerprint Cards,HID Global,Precise Biometrics,iProov,Nymi,Aware,Zwipe,Cognitec,IDEX,Gemalto,FingoPay,IDEMIA.
Get a Free Sample Copy @ https://www.reportsandmarkets.com/sample-request/global-biometric-payments-market-forecast-2018-2025?utm_source=icotodaymagazine&utm_medium=46
The global Biometric Payments market is segmented by company, region (country), by Type, and by Application. Players, stakeholders, and other participants in the global Biometric Payments market will be able to gain the upper hand as they use the report as a powerful resource. The segmental analysis focuses on revenue and forecast by region (country), by Type, and by Application for the period 2020-2026.
Market Segment by Regions, regional analysis covers
North America (United States, Canada and Mexico)
Europe (Germany, France, UK, Russia and Italy)
Asia-Pacific (China, Japan, Korea, India and Southeast Asia)
South America (Brazil, Argentina, Colombia etc.)
Middle East and Africa (Saudi Arabia, UAE, Egypt, Nigeria and South Africa)
Research objectives:
To study and analyze the global Biometric Payments market size by key regions/countries, product type and application, history data from 2013 to 2017, and forecast to 2026.
To understand the structure of Biometric Payments market by identifying its various sub segments.
Focuses on the key global Biometric Payments players, to define, describe and analyze the value, market share, market competition landscape, SWOT analysis and development plans in next few years.
To analyze the Biometric Payments with respect to individual growth trends, future prospects, and their contribution to the total market.
To share detailed information about the key factors influencing the growth of the market (growth potential, opportunities, drivers, industry-specific challenges and risks).
To project the size of Biometric Payments submarkets, with respect to key regions (along with their respective key countries).
To analyze competitive developments such as expansions, agreements, new product launches and acquisitions in the market.
To strategically profile the key players and comprehensively analyze their growth strategies.
The report lists the major players in the regions and their respective market share on the basis of global revenue. It also explains their strategic moves in the past few years, investments in product innovation, and changes in leadership to stay ahead in the competition. This will give the reader an edge over others as a well-informed decision can be made looking at the holistic picture of the market.
Table of Contents: Biometric Payments Market
- Chapter 1: Overview of Biometric Payments Market
- Chapter 2: Global Market Status and Forecast by Regions
- Chapter 3: Global Market Status and Forecast by Types
- Chapter 4: Global Market Status and Forecast by Downstream Industry
- Chapter 5: Market Driving Factor Analysis
- Chapter 6: Market Competition Status by Major Manufacturers
- Chapter 7: Major Manufacturers Introduction and Market Data
- Chapter 8: Upstream and Downstream Market Analysis
- Chapter 9: Cost and Gross Margin Analysis
- Chapter 10: Marketing Status Analysis
- Chapter 11: Market Report Conclusion
- Chapter 12: Research Methodology and Reference
Key questions answered in this report
- What will the market size be in 2026 and what will the growth rate be?
- What are the key market trends?
- What is driving this market?
- What are the challenges to market growth?
- Who are the key vendors in this market space?
- What are the market opportunities and threats faced by the key vendors?
- What are the strengths and weaknesses of the key vendors?
Get complete Report @ https://www.reportsandmarkets.com/sample-request/global-biometric-payments-market-forecast-2018-2025?utm_source=icotodaymagazine&utm_medium=46
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Reports and Markets is not just another company in this domain but is a part of a veteran group called Algoro Research Consultants Pvt. Ltd. It offers premium progressive statistical surveying, market research reports, analysis & forecast data for a wide range of sectors both for the government and private agencies all across the world. The database of the company is updated on a daily basis. Our database contains a variety of industry verticals that include: Food Beverage, Automotive, Chemicals and Energy, IT & Telecom, Consumer, Healthcare, and many more. Each and every report goes through the appropriate research methodology, Checked from the professionals and analysts.
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Fort Mc Coy, FL Commercial Real Estate - Office, Warehouses, and Retail Space
Rofo researches and displays commercial real estate listings from top brokerage firms and landlords in Fort Mc Coy, FL making it easier to find available commercial space and compare current asking rental rates. In Fort Mc Coy, FL there are currently 1 real estate professionals to help you find the right space for you. Filter your search below and get free advice from recommended brokers in Fort Mc Coy, FL.
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The thought of having breast cancer is frightening to everyone, and especially devastating to women. However, ignoring the possibility that you may develop breast cancer or avoiding the processes to detect cancer can be dangerous.
Although there are some women who are at higher risk, the fact is that all women are at risk for breast cancer. That's why it's so important to follow this three-step plan for preventive care. Although breast cancer can't be prevented at the present time, early detection of problems provides the greatest possibility of successful treatment.
Routine care is the best way to keep you and your breasts healthy. Although detecting breast cancer at its earliest stages is the main goal of routine breast care, other benign conditions, such as fibrocystic breasts, are often discovered through routine care.
Step 1. Breast Self-Examination (BSE)
The American Cancer Society (ACS) says that breast self-exams are an option for women ages 20 and older as a means of familiarizing themselves with their breasts so they can notice changes more easily. BSE should be done regularly at the same time every month. Regular BSE teaches you to know how your breasts normally feel so that you can more readily detect any change. Changes may include:
Development of a lump
A discharge other than breast milk
Swelling of the breast
Skin irritation or dimpling
Nipple abnormalities (such as, pain, redness, scaliness, turning inward)
If you notice any of these changes, see your health care provider as soon as possible for evaluation.
Talking with your doctor about the benefits and limitations can help you decide if you should start performing BSEs.
Step 2. Clinical Examination
A breast examination by a physician or nurse trained to evaluate breast problems should be part of a woman's physical examination. The ACS recommends:
Between ages 20 and 39, women should have a clinical breast examination (CBE) by a health professional every three years.
After age 40, women should have a breast examination by a health professional every year.
Women should talk with their doctors/health care providers about their personal risk factors and make a decision about whether they should have a CBE.
A physical breast examination by a physician or nurse is very similar to the procedures used for breast self-examination. Women who routinely practice BSE will be prepared to ask questions and have their concerns addressed during this time.
Step 3. Mammography
Mammography is a low-dose X-ray of the breasts to find changes that may occur. It's the most common imaging technique. Mammography can detect cancer or other problems before a lump becomes large enough to be felt, as well as assist in the diagnosis of other breast problems. However, a biopsy is required to confirm the presence of cancer.
The ACS recommends yearly screening for all women ages 40 and older. Women should talk with their doctors/health care providers about their personal risk factors before making a decision about when to start getting mammograms or how often they should get them.
A diagnostic mammogram may be required when a questionable area is found during a screening mammogram.
Both the National Cancer Institute and the ACS suggest that women who may be at increased risk for breast cancer should talk with their physicians/health care providers about whether to begin having mammograms at an earlier age.


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Eibach Pro-Plus Lowering Springs / Sway Bars Combo 2011-2014 WRX
If you live for the corners, the Eibach PRO-PLUS Performance Handling Package delivers. Eibach PRO-PLUS packages include the legendary Eibach PRO-KIT springs along with matching ANTI-ROLL-KIT sway bars. The Eibach PRO-KIT lowers your car's center of gravity, reducing squat during acceleration, body roll in corners and excessive nose-dive under braking. Add the Eibach ANTI-ROLL-KIT sway bars—with increased roll stiffness, compared to stock bars—and you get pure, balanced-handling perfection.
With the Eibach PRO-PLUS installed you will immediately experience more-precise turn-in response, improved handling, and enhanced cornering grip—in any performance-driving situation. The Eibach PRO-PLUS is designed and tested to work well with either factory or aftermarket performance dampers.


text: Structure of the Ph.D. degree course The Ph.D. degree course at the University of St.Gallen is comprised of coursework, the research stage and graduation. Coursework Your coursework encompasses at least 12 and a maximum of 36 credits, depending on the programme Research proposal: evidence of the thesis objective, methodological approach and preliminary research work Colloquium on the research proposal: the thesis project and reasons for the approach are presented Length: courses and research proposal within four semesters Research stage Seminars: thesis-related seminars and thesis colloquia with a maximum of 24 credits, depending on the programme Ph.D. thesis: must be an independent research project in which the Ph.D. student demonstrates his or her in-depth expertise and a grasp of scientific methods. A cumulative thesis is also possible, whereby the student should take account varying requirements depending on the programme. Defence of thesis: to demonstrate that the requirements of the Ph.D. thesis have been met Length: within ten semesters from the start of your Ph.D. studies. Graduation The Senate awards you the title of Ph.D. once you have passed the examinations and your Ph.D. thesis has been accepted. The President of the university presents the Ph.D. title at a ceremony. Attendance is mandatory.The dates of the graduation ceremony can be found on the right under more on the topic. A detailed description of Ph.D. degrees is listed in the Award Regulations for the Degree of Doctor of Philosophy. Once you have received your Ph.D. certificate you are officially permitted to bear the title accordingly.


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What are you doing to ensure that more people know about you today than yesterday?
It's our experience that a business that wants to grow needs to make sure that more people know about it today than did yesterday.
If you're not meeting new people and telling them about your products and services, you're not developing a pipeline of potential new customers and you are going to see fewer sales in the future as a result.
This sounds pretty obvious, we know. But we are always surprised when we talk to local business owners and ask them about their promotional efforts.
Do you have a method to build a continually growing prospect/client email list?
We make it easy to send customizable appointment reminders, confirmations, thank you notes, newsletters, and holiday greetings to your customer base.
91% of consumers use email at least daily – exacttarget 2012


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Service & Support Owner Center.
Search for manuals, support information, videos, and more content specific to your appliance.
Green Refrigerator Bin Liner
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Troubleshoot common situations and find recommendations for best practices with this product.
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Register this appliance to add it to the Whirlpool® Owner Center and access exclusive content.


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Address: 243 Weyba Road, Noosaville QLD 4566
Book Direct with the Owner at Noosa River Retreat in Noosaville with Accommodation NT. Click on the Email or Call Now button to get your special price, talk with the owner to get a special price.
Accommodation NT welcomes Noosa River Retreat, the ideal Noosaville QLD Holiday outlet for all the family to enjoy. We have made sure that we have thought of everything you would expect from your vacation with many features, click on the email or phone now button to get in touch with the owner.Is Noosa River Retreat in Noosaville your property on Accommodation NT, please claim your listing and subscribe to update your contact details and receive your phone calls and emails from your clients.


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Organic Large Tote Bag - Natural Handles & Lining - 308gsm
If you continue to browse and use this website as well as our products and services, you are agreeing to comply with and be bound by the following terms and conditions, which together with our privacy policy govern Gray Starling Designs' relationship with you.
The term Gray Starling Designs or 'us' or 'we' refers to the owner of the website whose registered office is 32 Elmete Walk, Roundhay, Leeds, LS8 2LB. Our company registration number is 09250460. The term 'you' refers to the user or viewer of our website and products and services.
We reserve right to change the Terms and Conditions at any time. By registering, ordering products, or otherwise using the services provided by Website, you acknowledge that you have read, reviewed and consent to these Terms and our Privacy Policy, which is incorporated by reference, and that these Terms constitute binding and enforceable obligations to you.
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The use of this website is subject to the following terms of use:
The content of the pages of this website is for your general information and use only. It is subject to change without notice.
This website uses cookies to monitor browsing preferences. If you do allow cookies to be used, the following personal information may be stored by us for use by third parties.
Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
All trade marks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website.
Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
Your use of this website and any dispute arising out of such use of the website is subject to the laws of England, Northern Ireland, Scotland and Wales.
We retain the right over the artwork of all of our samples and these must not be copied or replicated in any way. The samples we provide are often stock we currently hold and so will not be personalised.
Colour shades of samples may vary slightly from personalised orders.
Please note that due to the vast combination of card stock, colours and designs available we may not always be able to provide a sample in the exact combination desired. Should this occur we will provide you with a sample of the card requested along with the design requested and a printed colour chart. Orders of less than 20 items for wedding invitations and save the date cards will be classed as sample orders and will not be personalised.
The customer is responsible for checking their proofs in particular ensuring that the colours, layout, wording, spelling and grammar are to expectations. Whilst we will do our upmost to ensure these are to the highest standard, once proofs are signed off by the customer, we cannot take responsibility for any errors missed and may need to charge for any re-prints if necessary. It is the customer's responsibility to ensure that the right number of prints are ordered. We reserve the right to charge for further amendments to designs once proofs have been signed-off by the customer.
Whilst every effort is made to ensure colours are consistent on our products, colours on the final product may not be an exact match to proofs and/or samples. We do not hold liability for defects that are beyond our control. Please note that colour in print may look different to digital proofs.
It is the customer's responsibility to ensure that the order is correct. We retain the right to reject orders at any point during the order process. Alterations to orders may be made at our discretion after proofs have been signed-off with a cost incurred for the customer. It is the customer's responsibility to notify us of any alterations to orders as soon as possible. The customer must pay for orders in full before the final product is released for delivery.
Cancellation of orders may only be made within 24 hours of ordering. After that time, design will have started and may have been sent to print which will incur a cost.
Return of Goods
Non personalised greetings cards and ready-to-wite collections.
If you are unhappy with your non-personalised purchase please return you order within 28 days of receipt for a refund. To be eligible for a return, your item must be unused and in the same condition that you received it. It must also be in the original packaging. Once the returned item(s) has been received we will process refund. Please note that postage and shipping costs are non-refundable.
If you order is damaged or faulty please notify us by email within 5 days of receipt. Any damaged or faulty items must be returned to us to be checked before a refunded can be processed
Our policy lasts 28 days. If 28 days have gone by since your purchase, unfortunately we can't offer you a refund or exchange.
Refunds (if applicable)
Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. We will also notify you of the approval or rejection of your refund.
If you are approved, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within a certain amount of days.
This does not apply to personalised wedding stationery and/or personalised orders. Gray Starling Designs Ltd will not cover the cost of reprinting and shipping orders due to any errors you have approved, nor will a refund be issued. However, we are happy to correct and reprint any errors made on the part of Gray Starling Designs Ltd as quickly as possible and will send any re-printed stationery out quickly and efficiently.
Protection of Intellectual Property
All our logos, web-site design and artwork remain the property of Gray Starling Designs Ltd and may not be used without the permission of Gray Starling Designs Ltd. We reserve the right to use any customer designs on our web-site, partner sites or any marketing literature as we see fit.
Our final orders are sent by either Royal Mail First Class Signed For or courier and should be received within 24-48 hours of dispatch. All our samples are sent by 1st class post and should be received within 48 hours of dispatch. We cannot take responsibility for any delays to orders after they have been dispatched. Goods must be checked on delivery for any damage and if any goods are not in a satisfactory condition you must notify us in writing within 5 working days. The customer must endeavour to notify Gray Starling Designs Ltd as soon as possible if goods are not received.
VAT is not applicable to any of our prices. We reserve the right to cancel any discounts offered either directly or through discount codes. We reserve the right make any alterations to price as a result of a pricing error on our web-site or any marketing literature.
We will endeavour to ensure that final products comply with the description on our web-site, partner sites or marketing materials as closely as possible. We will ensure as far as possible that goods sent are free from defects or damage.
You must ensure that any images you wish us to use for any designs must not infringe on any copyright
Errors, inaccuracies and omissions
Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).
We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.
Payment for goods may be made by BACs, PayPal, or by Credit card or Debit card through our web-site or partner web-sites. The use of cheques is accepted but the customer is aware this will cause a delay on production until it clears.
On signing of this agreement by both parties hereto, the designer will reserve the date and time ranges agreed. For this reason, all retainers are non-refundable under any circumstances.
You will be notified once your order has been received from print and a verdict has been made on the quality and outcome of the order. Your order will not be shipped unless we are completely satisfied that our standard of quality has been met. If we are happy with your completed order it will be sent by either Royal Mail First Class Signed For or courier depending on size and weight and should be received within 72 hours of dispatch.
The postage your order qualifies for will be determined once your order is placed and added to your final invoice.
Royal Mail 1st Class Signed For (2-3 days): £6.60
Up to 2kgs
Courier Service, Proof of Delivery (3-5 Days): £12.00
Plus 2kgs
All Orders over £500.00 are FREE delivery!
If you require postage outside of mainland UK please get in touch for a personalised quote.
All our samples are sent by 1st class post and should be received within 48 hours of dispatch. We cannot take responsibility for any delays to orders after they have been dispatched.
Goods must be checked on delivery for any damage and if any goods are not in a satisfactory condition you must notify us in writing within 5 working days. The customer must endeavour to notify Gray Starling Designs Ltd as soon as possible if goods are not received.


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Local Off-Market Middle Georgia Area Investment Property Deals With High Equity…
… for serious investors and buyers only, please.
See Our Middle Georgia Area Investment Property Inventory
Looking to pick up some more properties for your investment portfolio? Or, are you looking for a great deal on a cheap house to live in?
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With our proprietary marketing systems, we find the best properties in foreclosure, bank owned foreclosures, Middle Georgia investment properties for sale, handyman deals, fixer uppers, discount homes, distressed property, and buy them at great win-win prices for both us and the home seller. We then pass these deals along to our preferred buyers who are looking for great investment properties or for just a great house to live in.
→ See our current list of handyman deals and foreclosure homes
Middle Georgia Investment Properties For Sale – Get On The Preferred Buyers List. It's FREE!
Once we secure a new property that fits our criteria, we immediately notify our Preferred Buyers of the deal. First, we notify those who have provided us with specific information on the types of properties they're looking for (tell what you're looking for here →) then we notify those buyers on the Preferred Buyers email list.
Because of the excellent investment property buying opportunity in today's market, we add new Middle Georgia area handyman properties that are far below market value to our list weekly… and they tend to get snapped up extremely quickly.
So, are you interested in getting on our Preferred Buyers list (it's free!) so you can be notified of each new discount home or investment property available? Excellent!
Just click here to join our Preferred Buyers list and tell us what you're looking for →
Immediately after you sign up you'll get full access to our current foreclosure properties for sale in the Middle Georgia area.


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|It is currently Mon Dec 11, 2023 1:10 pm
All times are UTC + 10 hours
|Make a Donation to ausmini
Keyrings and stickers are back!
The Batch 2 Keyrings are an improvement on the first in that it is now covered in a hard, glossy resin finish. The Ausmini logo remains raised and hard enameled. The sides and obverse are now both highly polished.
Purchase numbers are not limited to any number this time around.
They new batch keyrings are 12 dollars each.
Stickers are also available, being 5 dollars each in WHITE, BLACK, DARK BLUE, RED AND LIGHT BLUE
Price is inclusive of post to anywhere in Australia and New Zealand.
When ordering, please place your postal address EXACTLY as you would write on an envelope. Also please write (in the case of the stickers) the colour you are after, and number ordered.
These keyrings may prevent flat tyres, minimise your oil leaks and can be used to adjust your spark plug gaps (as long as you need A 100 thou gap...). Most importantly however (besides keeping your points from burning out) they will also help keep Ausmini running into the future, which is why the Ausmini moderators and admin appreciate your help.
Kind regards
Ausmini Admin
All times are UTC + 10 hours


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Suffering From Neck Pain?
You know the old saying, "It's a pain in the neck"? Well, when you live with neck pain long enough, you know its important to find the best chiropractor in New Rochelle. Neck pain can make even the simplest of movements involving the neck, head, arms, shoulders, and back excruciatingly difficult. It can lead to headaches and difficulty using your body. Immobility resulting from neck pain can cause the muscles to become weak and to degenerate over time.
Understanding the root of your neck pain is a necessary step towards acquiring the treatment that will be effective in both short and long-term recovery. The following article looks at the causes of neck pain and explains how New Rochelle chiropractic care can be a useful alternative to conventional treatments.
Neck Pain in New Rochelle
Although the neck is a relatively small area of the body, it is comprised of some complicated structures which do the important job of holding your head up. The small size of the vertebrae of the neck allows for a lot of mobility, but can also make the neck more vulnerable to injury and pain. Some of the causes of neck pain include:
- Trauma, such as whiplash
- Sleeping position
- Poor posture
- Repetitive stress
- Abnormalities in the bone structure
- Joint issues
- Muscle strains and pulls
Most of these issues are either caused by, or impact, the alignment of the spine. When muscles in the neck go into spasm, the spine gets pulled out of alignment. When the spine is misaligned, the nerves become irritated and cause further tension and other systemic problems. Because every nerve in the body has its root in the spinal column, issues that have their source at the neck can have a major impact throughout every other system.
Many people let spinal problems go uncorrected in New Rochelle. They hope that if they wait long enough the pain will simply go away. In some cases it will go away, but the misalignment that caused the problem is usually still there. Over time, that area can become aggravated, and the pain can return. If the problem is not corrected it can become much more serious. Some patients let things go to the point where surgery may be the only option.
Conventional vs. Holistic Treatments
Most commonly, people try to deal with their neck pain using prescription or over-the-counter medications. This may help to relieve the symptoms in the short-term, but not only are patients dealing with side effects, the underlying issue goes unaddressed. Massage Therapy has become more popular over the years and this can help to relieve some muscle tightness. If the issue is in the bones or joints, the problem will remain.
Chiropractic treatment is a holistic practice that addresses the structural cause that leads to the majority neck pain. Following a thorough chiropractic assessment aimed at ruling out other issues and finding the exact source of the problem, a personalized recovery plan is developed. Gentle adjustments to the spine can bring instant relief and restore long term health to the neck and the entire body. Call our team at Chiropractic Health Center today to set up a consultation and bring an end to the pain in your neck.
9:00am - 7:00pm
10:00am - 7:00pm
9:00am - 7:00pm
9:00am - 7:00pm
10:00am - 6:00pm
9:00am - 2:30pm


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DiamondGlow® Facial in Pflugerville, TX
DiamondGlow® is a precision-timed, non-invasive, 3-in-1 advanced skin-resurfacing treatment that uses real diamond tips to simultaneously exfoliate, extract, and infuse skin with condition-specific serums for an all-inclusive treatment. DiamondGlow® treatments improve hyperpigmentation, dark spots, sun damage, sallow skin, enlarged pores, and oily prone skin.
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Hand & Stone offers a full complement of specialty massages, facials and enhancements. Introductory Offers valid for One-Hour* Swedish Massage, Classic (or Teens/Men's) Facial or Hot Stone Massage services only. Call the spa for specialty service availability.
Last Minute Deals
Relax, restore and refresh for even less than our low introductory prices with these Last Minute Deals. Only a limited number of these deals are available but they represent our absolute lowest price for either our 1 hour Massage or Facial.Find a Last Minute Deal
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If you've never had a Massage or Facial, you may be wondering what to expect on your first visit to Hand & Stone Massage and Facial Spa. During your visit you'll experience relaxation and comfort, dedicated to your well-being and peace of mind. We want your spa experience to be a memorable one.Learn More


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Relative Strength Alert For Nike
Legendary investor Warren Buffett advises to be fearful when others are greedy, and be greedy when others are fearful. One way we can try to measure the level of fear in a given stock is through a technical analysis indicator called the Relative Strength Index, or RSI, which measures momentum on a scale of zero to 100. A stock is considered to be oversold if the RSI reading falls below 30.
In trading on Monday, shares of Nike (Symbol: NKE) entered into oversold territory, hitting an RSI reading of 27.2, after changing hands as low as $148.77 per share. By comparison, the current RSI reading of the S&P 500 ETF (SPY) is 44.0. A bullish investor could look at NKE's 27.2 RSI reading today as a sign that the recent heavy selling is in the process of exhausting itself, and begin to look for entry point opportunities on the buy side. The chart below shows the one year performance of NKE shares:
Looking at the chart above, NKE's low point in its 52 week range is $125.44 per share, with $179.10 as the 52 week high point — that compares with a last trade of $150.44.
Find out what 9 other oversold stocks you need to know about »
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.


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Try Not To Laugh Challenge – Funny Animal Fails Compilation 2018 | Life Awesome
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text: by David Crane defrev at gmail dot com May 11, 2004 Combined Tactical Systems, Inc. (CTS) is currently developing a mini-flash-bang (mini-tactical grenade) called the 7290M. The 7290M will be roughly half the size of their standard 7290 flash-bang/tactical grenade, but it will deliver the same amount of sound and flash (candela output). Pretty impressive. The standard 7290 flash bang …Read More »


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SOTO by Steelcase
Whether at touchdown areas or shared spaces for collaboration, SOTO desk accessories and office organization tools bring organization to the workplace, increasing productivity in today's evolving offices.
- Organization Boxes
- Shelf + Rail
- Technology, Cable Management + Computer Support
- Personal Organization + Privacy
Organization Boxes
SOTO offers flexible tools to accommodate varied work styles, while seamlessly integrating with a wide range of workplace furniture. An organized office increases efficiency and boosts employee morale. SOTO promotes and maintains organization, meeting the diverse needs of workers.
SOTO organization boxes include:
- Landscape Letter Box
- Diagonal File Box
- Pile Box
- Tool Box
- Utility Box
- Personal Box
- Storage Box (Set of 3)
For more product details about SOTO, please visit steelcase.com