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A coalition of over sixty of Scotland's leading charities, unions and faith groups are today urging every Scottish MP to uphold what they describe as "six vital amendments" to the Welfare Reform Bill agreed by the House of Lords.
The Bill, as amended by the Lords in a series of defeats to the Government, returns to the Commons today (Wednesday 1st February).
In a letter sent to Scotland's MPs the Scottish Campaign on Welfare Reform (SCoWR), whose members include the Church of Scotland Church and Society Council, Scottish Trades Union Congress and the Scottish Council for Voluntary Organisations, welcome the six amendments backed by the Lords in recent weeks as "very reasonable and practical".
They go on to highlight a series of case studies (see note below) demonstrating how any reversal of the Lords amendments to the welfare bill would have a "terrible impact" on households across Scotland. They say that the amendments mitigate the impact of government proposals to cut housing benefit for tenants with a spare room, introduce an arbitrary 'benefits cap', time limit contributory Employment Support Allowance and abolish it for young people and charge lone parents to use the Child Support Agency.
John Dickie, a spokesperson for the Campaign, said;
"Peers from all political parties and none have united in passing six vital amendments that will protect the livelihoods and security of tens of thousands of ordinary households. It's now vital that Scottish MPs do the same and use their votes to uphold those amendments and protect their constituents."
For further comment:
John Dickie, Head of CPAG in Scotland, on 0141 552 3656 or 07795 340 618
Maggie Kelly, SCoWR Co-ordinator, on 0141 353 0440 or 07914 803 243
Notes for editors
- SCoWR members include: Action for Children Scotland, Action Group, Afreshe, Archibald Foundation, Barnardos in Scotland, Bipolar Scotland, Capability Scotland, Carr-Gomm Scotland, Children 1st, Child Poverty Action Group, Choices - One Parent Families West of Scotland, Church and Society Council of the Church of Scotland, Church Action on Poverty, Citizens Advice Scotland, Ecas, Edinburgh Coalition Against Poverty, Energy Action Scotland, Faith in Community (Scotland), Glasgow Council for the Voluntary Sector, Glasgow Disability Alliance, Glasgow University Students' Representative Council, Headway UK, Hillcrest Housing Association, Inclusion Scotland, Iona Community, Leonard Cheshire Scotland, Margaret Blackwood Housing Association, Momentum, National Autistic Society, One Parent Families Scotland, Oxfam in Scotland, Poverty Alliance, Public and Commercial Services Union, Quarriers, RNID Scotland, Salvation Army, SAMH, Save the Children in Scotland, Scotland's Commissioner for Children and Young People, Scottish Council for Single Homeless, Scottish Drugs Forum, Scottish Federation of Housing Associations, Scottish Homelessness & Employability Network, Scottish Poverty Information Unit, Scottish Womens Convention, SCVO, Sense Scotland, Turning Point Scotland.
- The letter to MPs and supporting technical note can be viewed here.
- The six vital amendments MPs are urged to uphold are set out below, each with a single modeled case study highlighting just one example of how important it is that the amendment is not overturned. The case studies are based on the experience SCoWR members working with a broad range of households across Scotland.
Amendment 12 (and consequentials) mitigating the under-occupancy penalty for social tenants.
Jack is separated from his wife and has two daughters in their early teens. He lives in small highland town and was made redundant from his job last October. While he looks for work, he's receiving JSA and the rent for his small 2 bedroom housing association flat is covered by Housing Benefit. The girls stay with him two or three times a week and they all value their time together.
If the Lords amendment is overturned, Jack will have to contribute around £36.50 a month towards his rent. He's already well below the poverty line and doesn't know where he'll find the money. There are no one bedroom flats available in his small town and if he moves anywhere else, he'll be stuck miles away from the girls without a car. Even if he did find a one bedroom flat, he doesn't know how they'd manage. The girls are getting older and he thinks they'd be uncomfortable sharing a room with him.
Amendment 36A linked to the 'substantial' amendment 46 replacing clause 52 to ensure that young people assessed as being in the support group could still get ESA in youth
Martin has been disabled since childhood. For years his parents have been putting money into a savings account for him, including saving money from his disability living allowance. Now a young man, Martin cannot work but can nevertheless look forward to living an independent life. Claiming contributory ESA in youth will help him to do this. Because of the capital his parents have painstakingly saved for him, he is excluded from income-related ESA. Instead of having the means to pay for the independent living equipment and support he needs, if he cannot access ESA in youth he will have to run down his savings on day to day living costs, leaving him with no financial cushion for extra needs or against the day that his parents are no longer able to provide any support.
Amendment 38 on extension of the contributory ESA time limit to a minimum of two years and Amendment 38A on an exemption for cancer patients from the time limit
Ross has a number of disabilities which include polio; post polio syndrome; spinal fusion; arthritis in both hips; asthma and high blood pressure. He is in constant pain which he manages by taking preventative tablets and 4-8 strong painkillers per day. He is in the work-related activity group (although he believes this is based on inaccurate assessment of his condition, which his doctor says will only deteriorate in the future). He has been getting contributory ESA on this basis since April 2011, having paid national insurance contributions for many years.
If the Lords' amendment is reversed, the government plans to stop his contribution based ESA from April 2012. Because his partner works 29 hours a week (at minimum wage), Ross will not qualify for means tested ESA. The couple will be worse off by £80.75 a week. Both are terrified about the future and what these changes will mean to them. They are already behind on mortgage payments and Ross feels his health is deteriorating further as a result of the stress and anxiety.
Amendment 59 exempting child benefit from the benefits cap
Nasreen is a lone parent of two young children in a Scottish city. She has a two bedroom private rented flat. Nasreen's teenage niece and nephew are at risk of going into care. She agrees to look after them as a kinship carer to prevent this from happening and finds a larger private tenancy (staying within the local housing allowance for the area).
If the amendment is reversed, from 2013 Nasreen would be expected to find over £100 a week from the family's benefits to contribute towards the rent. The benefit cap acts as a massive disincentive to Nasreen agreeing to look after her niece and nephew. The cost to the local authority of looking after the two children would far outweigh the saving from imposing the benefit cap.
Amendment 62C preventing fees being levied by the Child Maintenance and Enforcement Commission upon parents with care where private arrangements are not possible or appropriate
Daphne has separated from her partner. The difficult nature of her separation means she is unable to reach a private arrangement in relation to child maintenance. She has been unable to find work and receives £185.61 per week, after paying rent, in benefits and tax credits to support herself and her son. A £20 fee would represent 14% of their weekly income.


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2017-01-25 10:44:07
with regards to the product I bought i would like to mention that i was completely satisfied with it. BUT THERE WAS A DELAY IN DELIVERY.
2019-02-05 13:21:37
This was a good size for the price other companies are charging $9.00 for the same size. I did think it was going to be a little bigger tho no lie the delivery was ok as well
2016-05-20 06:39:36
2019-05-28 05:46:21
came today 28th may. thanks x
2020-07-18 06:07:49
very good and easy to use
2019-09-06 18:56:45
came earlier than expected x
2018-02-10 17:09:44
gostei muito do produto recomendo chegou muito bem embalado e nada de vazamentos
2016-12-01 17:54:31
the size it's small but very cute! thank you! I recommend it sure!
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subset: commoncrawl


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"Hey! Let's be careful out there!" – Sgt. Phil Esterhaus, Hill Street Blues
You always, always, always need someone looking out for you while you are in the hospital. A trusted friend, someone who will look out for you. If you are under the influence of any kind of antistetic and not thinking straight, they can be your "second brain." Later, when you have your higher thinking skills back, you can be your own advocate by keeping a notebook within reach and writing down the names of staff, the information they give you, your diagnosis, and any medications you receive.
The prescription process is complicated – it is designed to be, to prevent both fraud and medical errors – but mistakes can still happen. And they happen more often than you think. The experts say that on average, there is one prescription drug error, per patient, per day in US hospitals.
Let that thought rattle around in your head for a while.
But there is a simple step that you can take to lower the chances of receiving the wrong drug. Can you guess what it is?
Before I give the answer, let's think about how you usually receive medication while in the hospital. It takes less than 30 seconds and you probably don't even think about it – the nurse come into your room with a plastic cup containing your pills and a glass of water. You dutifully swallow the pills and follow it with the water. And you never get to see the original pill containers.
Your nurse prepares the medication at the Nurse's Station desk, and it has been done that way for as long as I can remember. But to increase your safety, why not do it a little differently. Politely ask the nurse to bring your medication into your room in the original containers. And this is one of those time when you have to measure your words and ask politely, because if you don't, most people automatically become defensive. I know I don't like to be accused of doing something incorrectly. And I certainly don't like to be told "You're doing it wrong!" before I even get started! So this is when you need your best negotiation skills… and a little persuasion.
But you don't have to accept a negative answer. Be polite – but firm. After all, those medications are going in your body!
Tags: CHD, Congenital Heart Defect, Congenital Heart Disease, Drug, Hospital, hospitalization, medication, Nurse, patient safety, prescription


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Justin Bieber Has A New Piercing
First purple hair and now piercings? This singer is full of surprises! Justin Bieber debuted a nose piercing on Instagram because he's one to shake things up. In a sexy boudoir type selfie, you can see that there's a tiny diamond stud on the left side of his nose. Is Bieber's new bling real, though? Or could he just be fooling us? Honestly, if I had to take a guess, I'd say the piercing is permanent.
He's no stranger to adding to his body art collection — I mean, he does have quite a few tattoos, after all. Plus, he seems to enjoy surprising his fans with new looks every now and then. Remember when he showed up to the 2011 MTV Movie Awards with both of his ears pierced? There's a flash back Friday for you! Permanent or no, I don't mind the addition to Bieber's flawless face, and I think he pulls it off well.
If anyone could go and just get a nose piercing out of the blue, it'd be JB. And now that he's shown it off on Instagram, it really is too late to say sorry, now. The world's already seen it, so it better be real. Why toy with our emotions, you know?
It may be tiny, but its impact is powerful for Beliebers everywhere.
What can he say? He's just got a hold on us, and a penchant for keeping us on our toes. Only time will tell if that stud is a permanent part of Bieber's look.
Want more fashion and beauty tips? Check out the video below and subscribe to Bustle on YouTube!
Image: Giphy (1)


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Wedding Films
Let us tell your story through the immersive media of film. Every laugh, every dance, every tear, every smile, every bit, all of you, all of yours, captured.
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- Speeches filmed in full and provided as a separate film with high quality audio for each speaker.
- Entire ceremony filmed in 4k as a separate film.
- Drone (UAV) included, with full permission from CAA and insurance. Weather and venue depending.
If you've already booked us as your photographers, you can add all the above for only £1200. The above is also included in our top two photography collections, so you can have photography and film/video covered by us for a fraction of the cost of using two companies. It's a lot more intimate, much less intrusive and of course your family and friends get to know us as the day unfolds, so we capture natural and genuine moments.
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Barns Hotel
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Woburn Sculpture Gallery
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Bassmead Manor Barns
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Rothley Court Hotel
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Woburn Sculpture Gallery
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Bassmead Manor Barns
29th July, 2017
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10th September, 2017
Other Film Work
Film and Video is so important in today's world – in our personal lives, in social media and for business. Having a good film is now key to marketing success, and we have invested heavily in the last ten years in some high quality film equipment to pursue this area of our business and expand the services we can offer. We can now offer you:
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- Aerial footage with our UAV and PFCO for commercial Drone work – and relevant aerial insurance!
Contact us for a chat about your film or video project, we're here to help!


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On Tuesday, October 2nd, Welch LLP partnered with Stratford Managers to co-host an invite-only special event called "Executive Perspective, Panel Series – How to create a culture of innovation to drive business success" for 100 business executives from Toronto's leading companies. The evening was introduced by Welch LLP Partner Kathy Steffan, moderated by Josh O'Kane of the Globe and Mail, and featured Aamer Siddiqui, Manager at Welch LLP on the panel.
Other speakers on the panel included Alan Fong from Fleet Complete, Jim Roche from Stratford Managers and Jonathan La Greca, from Hotspex Inc.
The event was held at the Design Exchange and included an exciting and lively conversation on innovation and its impact on a number of industries. The discussions included how to foster, embrace and recognize opportunities for innovation by building a culture of innovation at all levels within an organization. The audience gained firsthand insight from the panelists into strategies for achieving success in the demands of a rapidly changing business market.


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reprinted from BB.com , July 2004
copyright owned by author
Chop To It 2: The Next Cut
I originally intended to have this up last month, but I couldn't get it finished in time so I substituted an auxilliary article I had drummed up in the past for a rainy day. Unfortunately for that cliche, we haven't seen a drop of rain for a few months out here in triple-digits Southern Nevada, but nonetheless that deadline snuck up and hit me like a hail storm.
So you ask, what more could I possibly write about the legendary chopper mod that wasn't already covered last time around? A lot. In May's edition, I laid out seven ways to spend your weekend and half your salary too. If you decided to take that challenge and go forward with your chopper project, this article will serve you well. In part one, I told you how to build it. Now I'm going to tell you what to expect when you ride it.
"It's Just Another Bike. What Could Make It So Different?"
Other than the fact that you'd have to cross five state lines just to find another one that even remotely resembles it? It doesn't just look different, it handles different. I just can't stress it enough that this is no beginner bike mod. Okay I have to take that back, since I'm in the process of chopping a 250 Rebel it's a beginner bike mod too. Let me rephrase that: This is no beginning rider mod. Get some road experience behind you, and lots of it. In fact make sure you have properly outgrown that bike before the transformation. That means master it. If you just recieved your MSF certification, you'd be better served starting out on a big Electra Glide or Gold Wing than starting off on a chopper. I said it before and I'll say it again, choppers are to the cruiser realm as 600+cc supersports are to the sportbike realm. You'd better know what you're doing before throwing a leg over one and thumbing the starter.
Modified/Lowered Suspension
I've touched on this topic in the past, but here's a refresher. Anytime you modify a motorcycle's suspension you're modifying its handling traits. Lowering a bike does several things, including reducing ground clearance and lean angle (lean angle is something else I'll touch on again here). Most modifications that shorten a shock will ultimately make the shock stiffer. A shock with a lowering kit that is left on standard preload settings will bottom out easily, so stiffening it up is mandated for a less harsh yet stiffer ride. A shock that has simply recieved a cut spring will also bottom out sooner as well as give a softer feel, unless you bump up the preload. With a lowered bike, you'll have to be more wary of things like speed bumps in parking lots, as well as driveways with steep drops and/or steep entrances. Since a lot of the running gear will be closer to the ground, you'll also have to be wary when leaning the bike in turns, as you'll be scraping pegs or tailpipes sooner than you did at stock ride heights. So you're going to have to slow it down a notch or two in turns and curves. You may also have to adjust belt or chain tension when lowering the rear of a motorcycle, so keep this in mind before your first flight.
Rigid/Hardtail Handling
Some chopper owners want the lowest possible seat height and will make the ultimate sacrafices to get there in the name of style. One of those sacrafices is rear suspension, sometimes knocking off an inch or two just won't cut it so the entire rear suspension gets shelved in favor of a much lower stance. Sometimes that rear tire looks even sexier when it's stuffed up into that rear fender, with just the rim showing below the fender lip. So if you've decided to go the rigid route, this paragraph is for you. Just like the suspension mods, the ride is going to be a little stiffer with a hardtail. A lot stiffer. Motorcycle Viagra couldn't make it any stiffer. Without the rear shock(s) out back, you will feel every irregularity in the road along the way, not just bumps and potholes but even seams, small rocks, and the "road snakes" (those lines of filler material that the road crews seal the cracks with). Bumps and potholes will become your mortal enemies, and in that order. Hitting large bumps at higher speeds can pitch the rear off the ground, if you saw the Jesse James "Motorcycle Mania" where he was riding to Sturgis one of the guys riding with him got his tail airborn on a bump on the freeway. It's scary, and the landings don't feel too good. Potholes are even worse, as you drop down and crush your kidneys first, then you get pitched into the air, and then you come back down to crush what's left of your kidneys again. You really start to watch the road more on a hardtail, and you'll learn to take only those streets you are totally familiar with before venturing onto the less travelled roads. I launched my hardtail once on a steep crest in an intersection, let's just say I can fully appreciate why Robbie and Evel Knievel jumped bikes sporting rear suspension. And forget about lean angles, with no rear suspension any irregularities you encounter on the roads can cause your rear end to skip, skate, and pitch in a curve or turn. Loss of traction at the rear wheel is not a friendly thing in a curve. So if you're the type that always tries to beat those yellow lights, don't try it in the left turn lane on a hardtail. But fret not, there are two things that you can do to a hardtail to improve the ride. First off is an old school mod, let some air out of the rear tire. Your sidewalls will flex and act as a "shock abosrber", but be wary of rear fender clearance too, as when that tire compresses on the "ground side", all the air is forced up to the "top side" and with very little fender clearance the tread will scrub the fender...I wore a good sized hole in my plastic rear fender under the pillion of my hardtail. Granted this mod serves to decrease rear tire life, but you'll want something boingier sooner or later on a hardtail so it's inevitable ("boingier" is not just a motorcycle trade term, acoustic specialists use it too so it's a real word). The other hardtail mod that improves riding is carrying extra weight on the rear end. Yep, who'da thunk it possible that adding a passenger could improve a motorcycle's handling, but having that extra weight on the rear can allow better handling in turns and curves, as the unsuspended rear wheel is less prone to losing traction with more weight on it. Weird but true.
Additional Wheelbase
Bikes with longer wheelbases require more lean at given speeds. By adding extra rake and longer forks (and rear lowering can even add some extra wheelbase, re: belt/chain tension adjustment), you will have a longer bike so both your overall length and wheelbase will be affected. And so will your handling characteristics. With additional wheelbase, the forks need to be turned a little more in any given curve or turn, hence the bike will lean a little more. Your turning radius increases with more wheelbase, just like with automobiles. A sports car can make tighter turns than an SUV, just like a Rebel can make tighter turns than an OCC bike. You won't be able to lean the bike at the lesser angles you were used to back when it was stock. If your stock bike was sporting a 60" wheelbase before and you could take a certain curve at 45mph at a mild 20º lean angle, your lengthened wheelbase will demand a sharper lean (for the sake of comparison we'll estimate 25º in this scenario, each curve and lean angle is different) to maintain that same speed in that same turn. If that sharper lean angle is required, this means you'll be bringing a lot of the running gear closer to the ground, such as footpegs and tailpipes. Sound familiar? I told you I'd say that again...which means that you'll have to take those curves and turns at lower speeds than you used to. So if your chopper is sporting both a lower squatty stance along with extra wheelbase, now you have to be twice as aware. Your days of canyon carving are over with a chopper.
Got Rake?
Bikes with substantially extra rake tend to have an anomally to their steering. If you stand still and upright and rotate the forks from side to side, the frame will dip and rise throughout this maneuver, dipping down toward the ground as the forks get closer to full lock position and rising again as they are centered straight. Hence, braking becomes affected on a chopper. Forward momentum can serve you wrong, as that momentum pushes the frame down in front so the forks will try to flop over to their full lock position as the frame presses down, so you have to be very concious about braking. Don't lock that front tire up, as long as that wheel is rolling you'll be able to brake safely, but lock it up and that momentum comes into play. This is where proficient riding comes in handy, and another reason why a chopper is not a suitable beginner bike. Next up is the obvious, extra space allowed for executing a U-turn. I touched on longer wheelbased handling, and this really comes into play in a U-turn. Remember the slow down principle? With a chopper you'll practically be crawling through a U-turn, but with proper technique you can still nail the inside lane farthest from the sidewalk, unless you really went overboard on fork length. And parking the bike can become a challenge in tighter quarters as well, with that wider turning radius your chopper won't be as nimble in the parking lots either so you'll have to make a few extra maneuvers to make it fit in those tight spots. Finally, choppes sporting raked trees will give a different feel that requires some getting used to. What happens with a raked tree is the front wheel rotates on a different axis than the steering stem, so it will hit the lock position sooner than it feels like it should. In other words it turns more than the input suggests, so this too takes some getting used to. So you have to treat it like any other new-to-you bike: treat it like your first bike all over again.
In summary, riding a chopper really isn't terribly different from any other bike once you get to know it. They still react to counter-steering like a stock bike would, but the main thing is to slow down for those curves and turns and watch that front brake lever. As long as you do the proper research into a chopper project, you'll still end up with a fairly decent handling machine. I just can't stress the research end enough, if you just start throwing things together out of the blue your Franken-bike creation can easily bite back. Get it right and get out and ride.
Chop it and drop it down low, and keep that tin in the wind.
When Shadow Shack isn't crawling through U-turns while butchering the english language, he answers email sent through his profile
Customarily Minded Machine of the Month
I said it before and I'll say it again, it's not a beginning rider mod but that doesn't mean you can't do it to your beginner bike. This month's magnificent machine is a tribute to the chopper craze in a smaller scale. This nifty 250 Virago sports all the cool chopper stuff, from a generously raked front end to a killer set of upswept pipes. The absence of a front fender is a tribute to old school cool, and that slim-line seat cleans it up on the business end of the bike. It's bad, it's black, it's dripping in chrome. And it's clean, simple, and effective, just what a chopper should be.


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Great FAKE News PhilPharmacy Board Retracts Hydroxychloroquine Ban a Day After Issuing It
One day after the Ohio Board of Pharmacy acted to ban the use of the drug hydroxychloroquine to treat COVID-19, the board reversed its decision.
The anti-malarial drug has shown promise as a treatment for individuals infected with the coronavirus, although the jury is still out on its overall effectiveness. Its use has been supported by President Donald Trump, which has led to extensive media pushback criticizing the virus.
The action to allow the drug to be prescribed came as the Ohio Department of Health reported the state had more than 1,100 people hospitalized who have been diagnosed with COVID-19, according to Fox News. The 1,122 people reported hospitalized on Tuesday topped a previous state high of 1,103 in April.
A terse note on the board's website said that as "a result of the feedback received by the medical and patient community and at the request of Governor DeWine, the State of Ohio Board of Pharmacy has withdrawn proposed rule 4729:5-5-21 of the Administrative Code. Therefore, prohibitions on the prescribing of chloroquine and hydroxychloroquine in Ohio for the treatment of COVID-19 will not take effect at this time."
"This will allow the Board to reexamine the issue with the assistance of the State Medical Board of Ohio, clinical experts, and other stakeholders to determine appropriate next steps," the notice said.
The rule had been scheduled to take effect Thursday, and the board did not further explain its reasoning for the change.
Gov. Mike DeWine said Thursday he sided with Stephen Hahn, commissioner of the Food and Drug Administration, that decisions on treatments should be made between patients and their doctors, according to the Dayton Daily News.
"Therefore, I am asking the Ohio Board of Pharmacy to halt their new rule prohibiting the selling or dispensing of hydroxychloroquine or chloroquine for the treatment or prevention of COVID-19," DeWine said.
"The Board of Pharmacy and the State Medical Board of Ohio should revisit the issue, listen to the best medical science, and open the process up for comment and testimony from experts."
The reversal of the ban on hydroxychloroquine came as the state was revising its coronavirus rules by limiting the hours of bars to deal with a recent spike in cases.
Cameron McNamee, director of board policy and communications, told the Columbus Dispatch the initial ban on hydroxychloroquine was "a patient safety issue."
McNamee said Trump's advocacy concerning the drug was not the reason the board was trying to restrict its use.
"We're looking at the best science to determine what's best for the patients of Ohio."
"The long and short of it is, we want people to focus on what works, such as social distancing and mask use," McNamee said. "We ultimately want to make sure people are being safe and not exposing themselves to drugs that have shown not to be effective in treating COVID-19."
FDA still banned try google next time


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Did you know that you can buy an annual OAP season ticket for Pembroke Castle for only £5? Bargain price and I'm making the most of mine. Apart from the Shakespeare the season ticket includes the events too and this summer we have seen the Sealed Knot, Black Mountains Falconry, Company of Chivalry and the Mediaeval Heritage Society. There's a good cafe too - worth popping in for!
Friday, September 3, 2010
Great Deals at Pembroke Castle
Posted by Linda, email@example.com at 10:02 PM
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Kate Wolman has spent more than twenty years training people to use their computers and technological equipment more effectively. She works with entrepreneurs, small business owners, even teens and senior citizens to remove the frustration of technology. In addition to Kate's patience and humor, she provides detailed written instructions to every client after their training session so that they know exactly what to do even when she's not there sitting beside them gently coaching them along.
Kate developed her unique training method while working as technical support manager for a software developer. She was the IT person at the other end of the phone, but unlike many, she was a beacon of calm in the frantic world of computing. Later as part of a team that supported 300 sales reps nationwide (primarily over the phone), Kate learned to "see" problems and solve them without even being there.
Even though Kate was able to solve many problems virtually, she much prefers to sit side-by-side with her clients so that she can provide them with exactly the style of instruction and type of information they need. As the owner of her own business for more than 20 years, Kate is Windows and Mac proficient, and has deep expertise in all things Microsoft Office-related.
Married for over 20 years to husband Francois, an Educator and Cross Country and Track Coach, Kate lives in the North San Fernando Valley and services locations including Beverly Hills, Brentwood, the San Fernando Valley, (Sherman Oaks, Encino, Northridge, Porter Ranch) Los Angeles, the Santa Clarita Valley (Valencia, Newhall, Canyon Country), Conejo Valley (Thousand Oaks, Agoura), and various locations out of state.
Kate and her husband enjoy traveling. Kate loves digital photography and gardening.
She is an active member of the Valley Networking. Valley Networking was established by business professionals who wanted to create an ethical, supportive and nurturing environment in which to network. http://valleynetworking.org/
She is also an active member of Business and Bagels – a group of businesses that are dedicated to growing their businesses and providing referrals to each other. http://www.businessandbagels.com


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Saint Lucia customs
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- Citizenship
- Traveling to
For over 18 years old :
• 200 cigarettes or 50 cigars or 250g of tobacco
• 1l of alcohol
• Gifts of a value not exceeding EC $270.00
• Counterfeit items
• Uncertified foodstuff
• Pornography
• Matches which contain white or yellow phosphorus.
• Narcotics, pipes and other similar items that facilitate use of drugs.
• Airguns and other similar firing devices.
• Condoms manufactured by MONKOK LATIX of South Korea.
• Knives and other dangerous blades.
• Shaving brushes made in or exported from Japan.
• Any items used for Black Magic, Occultism, Witchcraft or similar.
• Endangered species and any products thereof as outline by CITES.
• Firearms - an application needs to be made to the Commissioner of Police in Saint Lucia. The process of issuance a permission may take anywhere between one to six weeks.
• The traveller is expected to provide the Commissioner with:
- Criminal Record Form
- 2 passport sized photos
- Medical certificate.
• Pets - the animal needs to be electronically identifiable, have a valid good health certificate, rabies inoculation. The animal need to pass blood test for other various infections and diseases. An Import Permit needs to be obtained prior travelling. Failure to comply with rules will result in destruction of the animal. For more detailed information please Contact Ministry Of Agriculture, Forestry And Fisheries- Veterinary And Livestock Services Division.
• Departure Tax is payable for all passengers over 12 years and should be included in the ticket price.


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12 Best Overnight Face Masks For Moms, Because You're Always Multitasking — Even When You Sleep
Spring is right around the corner, and as far as I'm concerned, the sunshine and warm breezes can't come soon enough. But now that we're about to say goodbye to winter, it's a good time to take stock of your facial skincare routine. You know, in the five seconds you have to think about things like that — somewhere in between a feeding session, a diaper blowout, and an attempted trip to the grocery store. Enter overnight face masks, the harried mom's low-maintenance, cost-effective version of a spa facial.
Like it or not, if you live in a climate that's just gone through a dry, cold winter, your skin is probably feeling the effects. And if you're going to be spending any time soaking up springtime rays (while pushing the swing at the playground, obvs), you'll want to make sure your skin is prepped with extra moisture.
Whatever it is you're looking for in a skin treatment, you can find an overnight treatment to fit the bill. There are formulas for firming, anti-aging, blemish correction, dry skin, and more. And there are options for any budget — though this might be one where you can justify a little splurge. Because even the fanciest overnight mask is still cheaper — and infinitely more attainable — than a day at the spa, right? So go ahead, treat yo' self.
Kiehl's Ginger Leaf & Hibiscus Firming Mask
Kiehl's Ginger Leaf & Hibiscus Firming Mask ($54, Kiehl's)
This firming face mask from Kiehl's looks so much like strawberry frosting that it might be hard to resist spooning some into your mouth (this is one to keep far away from the kids). But instead of ingesting it, you'll want to massage it onto your face and neck and let it work its magic to firm up and smooth your skin. The star ingredients are ginger leaf (which works to minimize fine lines and wrinkles) and hibiscus (which moisturizes skin in both the short- and long-term).
Watermelon Glow Sleeping Mask
Watermelon Glow Sleeping Mask ($45, Glow Recipe)
This pretty-in-pink sleeping mask features antioxidant-rich watermelon extract for its soothing, skin-restoring properties. Glow Recipe, which curates natural Korean beauty products, even provides a video so you can get a preview of how the treatment works. Some product separation is expected, so you'll want to give it a quick stir with the included tiny spoon before applying. And, although designed as a sleeping mask, you can take a shortcut and apply it as a quick ten-minute treatment as well.
L'Oreal Paris Revitalift Triple Power Intensive Overnight Mask
L'Oreal Paris Revitalift Triple Power Intensive Overnight Mask ($9, Target)
This affordable, no-nonsense formula is designed to tone, firm, and lift the skin on your face, neck, and jawline. It claims to be the first nighttime treatment that combines Pro-Xylane — a sugar-protein hybrid created by Lancome to defend the skin against water loss, according to Truth in Aging — with botanical extract Centella asiatica, an herb that may reduce swelling and improve circulation, as explained by Livestrong.
Origins Drink Up Intensive
Drink Up Intensive ($27, Origins)
As the name indicates, this concoction is specially designed for dry skin. Thanks to Japanese seaweed as well as avocado and apricot kernel oils, it promises to "quench skin's thirst," increase moisture over time, and prevent signs of premature aging, according to the product website.
The Body Shop Tea Tree Anti-Imperfection Night Mask
Tea Tree Anti-Imperfection Night Mask ($22, The Body Shop)
This night mask combines tea tree oil (Community Trade, of course) with salicylic acid to create a blemish-fighting powerhouse. And they've clearly thought it all through, as the formula promises not to stain your pillowcase as it works its purifying and soothing magic. For an extra refreshing bit of self-care, The Body Shop recommends popping the jar in the fridge before applying it. Just don't get it mixed up with the baby food jars — though, if you do, it might not be the end of the world, since the Tea Tree Anti-Imperfection Night Mask is 100 percent vegan. Yum.
LANEIGE Water Sleeping Mask
LANEIGE Water Sleeping Mask ($25, Sephora)
The Water Sleeping Mask from LANEIGE just sounds like it's going to do amazing things for your face. As a hydrating gel, it promises to absorb into parched skin and reduce dryness, uneven texture, and fine lines and wrinkles. And if you're concerned about harsh chemicals, this one is a good option, as it has no parabens or phthalates, and is dermatologist-tested and noncomedogenic.
Fresh Black Tea Firming Overnight Mask
Black Tea Firming Overnight Mask ($92, Fresh)
If you're looking for a serious skin-firming treatment, consider the Black Tea Firming Overnight Mask from Fresh. The company describes the effects as "corset-like," making your complexion look more defined and contoured. And they've done a study to prove it: After a 28-day trial, 97 percent of testers reported that "their skin looked visibly healthier," says the website.
Too Cool for School Egg Mellow Cream
Too Cool for School Egg Mellow Cream ($36, Sephora)
This is one overnight mask that does not take itself too seriously. I don't know what egg mellow is, and it doesn't sound very good. But for some reason it reminds me of marshmallow fluff, and the push-button top reminds me of a can of hair mousse, so for those reasons it's got to be worth trying. As you might imagine from the name, it contains egg yolk extract as well as egg white extract, both of which are meant to nourish your skin. And it's much more than just a sleep mask: It also doubles (quintuples?) as a serum, priming moisturizer, eye cream, and neck cream.
Korres Advanced Brightening Sleeping Facial
Advanced Brightening Sleeping Facial ($48, Korres USA)
This modestly sized jar offers some pretty huge solutions. Thanks to wild rose oil and vitamin C, this simple cream is designed to moisturize your skin, even out your skin tone, minimize fine lines, and even reduce the appearance of skin discoloration. And it works, quite literally, overnight: Eight hours after using it, Korres reports, 97 percent of women saw improved skin texture. After giving it a full two weeks, 97 percent of women saw improved skin radiance & elasticity.
Pixi Nourishing Sleep Mask
Pixi Nourishing Sleep Mask ($22, Pixi)
This overnight treatment is focused on healing and protecting your delicate facial skin, and is designed to seal in any other lotions or serum you've applied underneath. The company also recommends it as a travel companion: By applying it before you fly and leaving it on for the duration of the flight, you'll lock in moisture and combat that nasty, dry, recycled airplane air.
Julep Night Shift Sleeping Mask
Julep Night Shift Sleeping Mask ($34, Ulta)
The Julep Night Shift Sleeping Mask promises to repair and retexturize your skin, and it's got the 30-person clinical trial to prove it. Ninety-seven percent of study participants reported improved elasticity, and 93 percent reported softer and smoother skin. It contains sodium hyaluronate, which, according to Truth in Aging, helps your skin absorb moisture more effectively, and reduces water loss.
Belif First Aid Overnight Brightening Mask
Belif First Aid Overnight Brightening Mask ($34, Sephora)
This is a straightforward, all-purpose potion designed to brighten and refresh your skin. It also contains a pretty unusual ingredient: black truffle extract. (Hopefully this cream is less pungent than the fungus.) But, if you're at all like me and overly cautious about what you put on your skin, this mask is a great option, as it leaves out a whole slew of potentially harmful chemicals and scents. It's fragrance-free and contains no parabens, sulfates, phthalates, mineral oil, petrolatum, synthetic preservatives, dyes, or animal-origin ingredients.
Check out Romper's new video series, Bearing The Motherload, where disagreeing parents from different sides of an issue sit down with a mediator and talk about how to support (and not judge) each other's parenting perspectives. New episodes air Mondays on Facebook.


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SPD BB Scalper
This Expert Advisor is based on a scalping strategy that uses the Bollinger Bands indicator.
The Bollinger Bands indicator reflects the price overbought or oversold conditions, which help to identify the entry or exit points as well as possible trend break-downs. The Bollinger Bands consist of an upper band placed above, and a lower band placed below. The distance between the Bollinger Bands or the width of the bands/channels based on the volatility measure.
The mechanism of this system is similar to the SPD Envelopes Scalper. If the price rises above the upper band and then closes back down inside the Bollinger band indicates a signal to sell. On the other hand, when the price falls below the lower band and closes back inside the Bollinger band, it indicates a buy signal.
This system is suitable for sideways market and medium trend.
Key Features
- Trades on different timeframes, recommended M15.
- Trades on any pair, recommended EURUSD, EURGBP, GBPUSD.
- Initial deposit: $1000+
- This Expert Advisor uses the average position algorithm technique.
- Use only five-digit accounts.
- It is recommended to use very low spread ECN Broker, VPS (Virtual Private Server) is required for faster connections to send orders.
- MagicNumber - Magic number to set the ID for each EA
- Lots - initial lot size
- UseLotsize - set as Auto_Lots or Fixed_Lots
- Multiplier - previous lot size will multiplied
- Initial_TP - initial take profit value in points
- MaxSpread - maximum allowable spread value in points
- Slippage - slippage in points
- UseBreakeven - set as true or false
- BE_FIXED - move your stop loss to breakeven point when you get profitable
- Drawdown Percent Settings
- ClosePending - set as true or false
- DDPercent - set the percentage to cut off the loss, % drawdown
- MaxSlippage - maximum allowable slippage in points
- Variable_Settings - use defaultor change values of variables by optimizing
- UseParameters - set as Default or Input
- Default - set parameters for automatically
- Input - enter the parameter value
- BB_Period - averaging period to calculate the main line
- BB_Dev - number of standard deviations from the main line
- BB_Shift - the indicator shift relative to the chart
- BB_Price - applied price, ENUM_APPLIED_PRICE
- News Filter Function
- URL_News "http://ec.forexprostools.com/"
- NewsSymbol - Set true or false, true = download news for only currency on chart, false = download news for all currencies on chart
- BrokerGMTOffset - Your Broker GMT Offset
- LowVolatilityNews - Set true or false for Low Volatility News filter
- ModerateVolatilityNews - Set true or false for Moderate Volatility News filter
- HighVolatilityNews - Set true or false for High Volatility News filter
- NonfarmPayrollsNews - Set true or false for Nonfarm Payrolls News filter
- StopBeforeLowNews - Set minutes for Stop Before Low News
- StopAfterLowNews - Set minutes for Stop After Low News
- StopBeforeModerateNews - Set minutes for Stop Before Moderate News
- StopAfterModerateNews - Set minutes for Stop After Moderate News
- StopBeforeHighNews - Set minutes for Stop Before High News
- StopAfterHighNews - Set minutes for Stop After High News
- StopBeforeNFPNews - Set minutes for Stop Before Nonfarm Payrolls News
- StopAfterNFPNews - Set minutes for Stop After Nonfarm Payrolls News
- CloseAllOrdersBeforeNews - Set true or false for Close All Orders Before News
- DrawNewsLines - Set true or false for drawing the news lines
- LowColor - Set color for Low Volatility News filter
- ModerateColor - Set color for Moderate Volatility News filter
- HighColor - Set color for High Volatility News filter
- Day Of Week Filter Function
- Monday - Set true or false for Monday trading
- Tuesday - Set true or false for Tuesday trading
- Wednesday - Set true or false for Wednesday trading
- Thursday - Set true or false for Thursday trading
- Friday - Set true or false for Friday trading
- Saturday - Set true or false for Saturday trading
- Sunday - Set true or false for Sunday trading
- StartTradeTime - Set time to start trading
- EndTradeTime - Set time to end trading
- Display Settings - apply default or change display position
- Top - distance from the top
- Left - distance from the left
- Display Function:
Improved the display function.


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The facelift is done to eliminate sagging jowls, restore cheek contours, soften harsh, deep folds above the mouth and tighten the neck area. If the neck contour is good, a more limited procedure known as temporal or mini lift is done to improve the jaw line and cheek area. However, tightening of the neck cannot be achieved without doing a complete facelift.
|Improving sagging facial skin, jowls, and loose neck skin by removing excess fat, tightening muscles, redraping skin. Most often done on men and women over 40.
|Several hours
|Local with sedation, or general.
|Usually outpatient. Some patients may require short inpatient stay.
|Side Effects:
|Temporary bruising, swelling, numbness and tenderness of skin; tight feeling, dry skin. For men, permanent need to shave behind ears, where beard-growing skin is repositioned.
|Injury to the nerves that control facial muscles or feeling (usually temporary but may be permanent). Infection, bleeding. Poor healing; excessive scarring. Asymmetry or change in hairline.
|Back to work: 10 to 14 days. More strenuous activity: 2 weeks or more. Bruising: 2 to 3 weeks. Must limit exposure to sun for several months.
|Duration of:
|Usually 5 to 10 years.
The degree of improvement is determined by physical factors and personal habits. Physical factors include age, heredity, bone structure and individual characteristics of the skin. Personal habits include alcohol intake, nutrition, and smoking. Surgery is not an exact science and some of the factors involved in producing the final result, such as the healing process, are not entirely within control of either the patient or the surgeon. Therefore, it is impossible to guarantee results. Surgery will not eliminate all evidence of aging, but will help restore a more youthful contour to the face and neck.
Facial surgery should not be undertaken when one is undergoing difficult times emotionally. An improved appearance is not the solution to one's life problems, but it can enhance one's appearance and help restore self-confidence.
Thousands of facial surgeries are performed successfully each year. Nevertheless, you should be aware of the potential risks of surgery and specific complications associated with facelift and eyelift surgery. The most common complications are small, localized collection of blood, delayed healing or minor infections. Poor healing is often related to drug and alcohol intake. Smoking and poor nutrition may increase scarring and occasionally necessitate a second operation. Vitamin E and aspirin should not be taken 2 weeks before the operation. Nerve paralysis, skin ulceration and scar over-growth (Keloid) are rare.
Surgery to improve sagging skin or wrinkles leaves scars. While such scars are permanent, they are rarely noticeable or cause any trouble. The job of the plastic surgeon is to place scars in natural lines of the face and eyelids, where they are least noticeable and can be more easily camouflaged by makeup or hairstyles.
The surgery can be done under either local anaesthesia, with sedation, or completely asleep (general anaesthesia). Inconspicuous incisions are made around the ear, both in front and behind. The extent of these incisions varies, according to the amount of correction required. The skin and deeper tissues of the face are repositioned in a more attractive and youthful position, and secured in place. The excess skin is removed, and the area of surgery is meticulously closed, resulting in scars that are usually imperceptible.


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Jane grew up in Ann Arbor, Michigan. She attended Eastern Michigan University from 1985 to 1989 and received a Bachelor's in Science, piano performance. She married in 1990 and then moved to Syracuse University in 1993 to attend the Instructional Design, Development, and Evaluation program at SU. She received her Master's of Science in Education in 1995. She published "Gender Stereotyped Computer Clip-Art Images as an Implicit Influence in Instructional Message Design" with Rob Branch, Ed.D. in the International Visual Literacy Association Journal in 1995. In 1997, she moved to Denver, CO to attend the Naropa University for their MFA program in prose. In 1998, she was awarded the Jack Kerouac Award for Prose. She was the Managing Editor of Bombay Gin with Lisa Birman from 1998 – 1999. Her son was born three weeks before she graduated with her MFA in 1999. In 2001, she separated from her husband, and in 2002, they divorced, sharing equal custody of their son. In 2004, she self-published a chapbook of short-short stories, Pocket Change through Eye of the Tiger Press.
Jane is an English Composition Instructor at Arapahoe Community College in Littleton, CO, and has worked in online learning assisting faculty, students, and staff with the online platform since 2006.


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Your Cabo VIP Gold Key Awaits ...
Tropical Storm Lidia Relief
2017 was an awful year for hurricanes and storms. Cabo San Lucas was one of the areas hit extremely hard by tropical storm Lidia. With winds reaching 65 mph and torrential rainfall, Cabo was devastated when Lidia finally passed and with all the hurricanes, storms and devastation happening elsewhere in the world, Cabo San Lucas was often overlooked by the public. Lidia took its toll on Cabo as you may have seen in pictures, but our people on the ground were ready to answer the call and help rebuild our beautiful community. Cabo always bounces back, better than ever. #CaboStrong
Below is Cabo VIP Rentals Concierge David Baggs, pictured at Cabo San Lucas Firehall, handing out basic necessities like canned food, water and clothing to local residents most affected by the tropical storm.


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Hutton Medical Wellness Centre is situated along
the Garden Route, in the beautiful town of Plettenberg Bay, South Africa.
The Centre offers a General Practice with a focus on
Medical Aesthetics, Anti-Aging, Dermatology and Women's Health.
We see men and women ages 10 and up.
Other services offered at the Centre are:
All treatments are performed by, or under the supervision of a registered Medical Doctor.
The aim of the Centre is to provide a holistic health care approach to all our patients, in a safe and patient centered manner.
Welcome to our Centre by the Sea.


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Grocery shopping is a part of modern life, and it can get expensive if you're not careful. Luckily for us, there are plenty of ways to save money on your groceries! And while crazy couponing techniques and complicated multi-store spreadsheets work for some people, I just don't have the patience for those kinds of approaches. And I don't think I'm alone in feeling that way! I think what most people want are simple tips for saving money at the store that don't require a lot of time or effort. And that's exactly what you'll find in today's post!
Related: 10 Ways To Make Grocery Shopping Less Terrible
Today I'll be sharing easy ways to save money on groceries, simply by making small changes to the way you shop! It turns out that most of us have certain shopping habits that cost us more money than necessary. Just by correcting these "mistakes," you'll start saving money every time you shop! And the tips in this list apply to nearly every grocery store, so you can save money wherever you like to shop. I hope you find these tips as helpful as I did!
If you have a simple tip for saving money on groceries that isn't mentioned here, I'd love to hear about it! Share your tip in a comment at the bottom of this post, and we can all benefit from each other's wisdom! :-)
Related: This One Simple Trick Will Save You A Fortune On Groceries
11 Costly Grocery Shopping Mistakes
1. You Don't Look Down
When grocery shopping, many people just grab whatever option happens to be at eye-level. But you might be missing out on less expensive options on the lower shelves! Many stores purposely place less expensive items below eye-level. Take a few seconds to check those lower shelves!
Related: 11 Practical Ways To Save Money When Times Are Tough
2. You Make Several Small Trips
Frequent trips to the store to buy just a few items can actually cost more in the long run! And not only because you're using more gasoline to get there. The Marketing Science Institute found that on average, shoppers making a "quick trip" to the store purchased 54% more than they had planned. You can save more money by planning your trips to the store and being more deliberate about what you buy.
3. You Always Buy The Biggest Size
It's important to know that not all products are cheaper when you buy the bigger size! Look for the "unit price" on price tags and compare them closely. Once in a while you'll find that the smaller item is ultimately cheaper than the bulk option! Some stores do this on items like cereal and french fries, likely because they anticipate that shoppers will buy the bigger option.
4. You Only Look In One Place
Many items can be found in more than once place in a grocery store. For instance, you can often find cheese in up to four different sections! There's usually a high-end cheese section, organic options near the salad toppings, shredded or block cheeses at the salad bar, and cheese sticks off in another aisle. If you're willing to check a few different places, you can save quite a bit of money!
5. You Always Choose Convenience
Stores like to pair certain items together to make things convenient, but they aren't always cost effective! For instance, there may be a small selection of nuts and candies near the ice cream aisle. But you can find a much bigger selection of those items in the baking aisle! You're sure to save money by avoiding those "convenience" offerings.
6. You Don't Check The Salad Bar
If you need a specialty food item that you don't normally use, check the salad bar. You can find items like olives, artichoke hearts, bacon bits, and a lot of other ingredients there! You can save yourself some cash by buying only what you need at the salad bar, rather than buying larger containers from elsewhere in the store. If your store doesn't have an extensive salad bar, check near the produce or deli department for their "made fresh daily" offerings.
7. You Shop Early In The Day
If you shop first thing in the morning, you may be missing out! Many stores mark items down later in the day. Check the endcaps of the aisles for special prices, as well as the meat department and bakery.
8. You Don't Double-Check Receipts
Incorrect charges happen all the time, so check your receipt! Common errors include multiple scans, sale prices not being reflected, and coupons not being applied. Take the time to double-check that everything looks right on your receipt before you leave the store parking lot.
9. You Forget Your Bags
Don't forget your reusable shopping bags! Most stores now charge a few cents for each bag you use, or else offer a discount for using your own bag. That money can add up over time, so it's worth the extra little bit of effort.
10. You Shop For A Recipe
When you shop for a specific recipe, chances are pretty low that those ingredients will happen to be on sale. Instead, check the store website or circular to find out what's on sale ahead of time. Then plan your meals around the ingredients that will be on sale! It's a little bit of extra work, but you can save a significant amount of money shopping this way!
11. You Don't Use The Store App
Check the app store on your phone to see if your local grocery stores have an app. Many store apps have valuable digital coupons you can load to your customer card in seconds! It's so much easier than trying to keep track of paper coupons. Certain stores also offer personalized digital coupons based on your buying habits. For example, you could get a coupon for 70% off a certain produce item that isn't otherwise on sale!
CategoriesSaving Money Bright Ideas


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Business News of Friday, 6 December 2019
Source: adomonline.com
Chief Executive Officer(CEO) of the Ghana Integrated Aluminium Development Corporation (GIADEC), Michael Ansah, has said that the corporation will have a 30 per cent minimum stake in business entities selected to mine Ghana's bauxite.
"The Act through which GIADEC was created stipulates that, the corporation must own 30 per cent of all mining entities that mine the country's bauxite," he said.
The corporation, according to Mr Ansah, aims at building an integrated bauxite mining and refinery industry in the country.
"We want to have the entire value chain of bauxite processing in the country, from mining to refinery to smelting," he said.
Ghana is reported to have in excess of 900 million metric tonnes of bauxite in reserves, positioning Ghana as the 8th largest country with bauxite reserves.
Speaking in an interview on Asempa FM's Eko Sii Sen show on Thursday, Mr Ansah said the corporation plans to create four bauxite mining concessions.
"So at the various bauxite mining areas in the country, we want to break them into four mining concessions of mining companies that will mine bauxite between 3-5 million metric tonnes," he noted.
He also revealed that GIADEC, by the end of the first or second quarter of 2020 will select companies to begin mining the country's bauxite reserves.
GIADEC, developed by the government, is to aid industrial transformation and accelerate development of the Ghanaian economy.


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Following on from Twang's excellent album, In the spirit of outrageous self promotion, here is a new song from me.
This is a song I wrote during a period when I was suffering a long bout of creative block. I figured the best way to tackle creative block was to write a song about it.
The original recording I made was dull and uninspired. When I came to re-record it I thought what can I do to improve it? What would Bowie do? Well, he would make it more funky and add some weird Robert Fripp-like guitar (In his case, actually using Robert Fripp). The end result is much improved I think (My clumsy attempts at Frippertronics are on the fade out). Enjoy


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Collecting foundations is my absolute guilty pleasure; despite knowing that they have an expiration date, that I have one face and can't possibly use them all up in time! But I just can't help myself. The search for the holy grail that is the perfect base is real and I can't imagine giving it up any time soon. And that's not because I haven't found foundations that I absolutely love, I have; it's just that I'm the proverbial beauty magpie who loves shiny things and can't resist the lure of new formulations and exciting new releases. That being said and having had a root around my foundation drawer over the weekend, I've realised that I have 5 bases on regular rotation at the moment, so in case you're looking for inspiration and fancy a virtual peek in my foundation wardrobe, here are my 5 fave foundation picks to cover any occasion.
Mecca Cosmetica To Save Face SPF 30 Mineral Gel
I've talked about this bad boy before and am still loving it and using it regularly. For me, it's for good skin days when I just want a hint of something, or a lazy girl day when I've got literally 5 minutes to run out of the door to school drop off and don't want to scare my mum mates by going bare faced. Because I'm nice like that! It's light and mousse like and leaves my complexion looking nicely hydrated and a wee bit glowy; I love the face that it has a slight peach tint, as it evens out my skin tone, is super flattering and looks like you're pulled together and have made a bit of effort. I'm such a fan!
Charlotte Tilbury Light Wonder Foundation
Rising up the coverage stakes, my next fave is no surprise as I've talked to you about it before: it's Charlotte Tilbury's Light Wonder. This is my second tube and it's become a firm favourite as it's light, super glowy and can be thrown on in a couple of minutes and still look great. It's on the lighter coverage side so I reach for this when my skin's looking pretty good, when it's a working from home day but I'm still in the mood to get my glow on or something like a girls' lunch where I don't want to get too heavy handed and need a day appropriate look. It reminds me of Mac Face & Body a little in that it's runny and needs a good shake and I alternate between applying it with my Real Techniques Expert Face Brush or with my fingers; both give a natural, pretty finish. I can't it recommend enough and if you fancy amping up the glow factor and injecting another dose of Charlotte Tilbury loveliness, combine it with her Hollywood Flawless Filter for a beautiful look!
IT Cosmetics Your Skin But Better CC+ Full Coverage Cream
Now I've seen this reach very full coverage – have a look at their website and see how it annihilates rosacea – and it can pack a serious punch, but I would say that I typically aim for more of a medium coverage when I use this by using a very small amount; a little goes a very long way so I apply it over a very moisturised base which sheers it out a little and gives a beautiful, 'glow from within' medium coverage that evens out my skin tone and redness but still looks natural and skin like. It comes in a pump dispenser which I love and has a lemony/citrusy scent which I find really refreshing. I don't have a lot more to say about this base really other than it's fab, I'm on tube number 4, will never be without it and would say that when I get compliments about my skin, am typically wearing this. I wear the original formulation, but it also now comes in an illuminating and matte finish so it's great to see that they've evolved this cult product to suit differing needs and skin types.
Giorgio Armani Luminous Silk
Talk about an oldie but a goodie. I wore this for many years in my 30s and it was a staple that I purchased and repurchased. I then drifted off to try other brands and have only recently bought myself another bottle and I'm so glad that I have. I reach for this on the days that I have meetings/am working onsite with a client and am going for a more polished look; it has a satin finish that holds up well during the working day and I like this for when I'm planning to wear powder bronzer and blush as they layer beautifully over the top of this, whereas I will typically reach for cream products when I'm wearing a dewier base. I apply this with a damp beautyblender to give a natural finish and will reach for my Sigma F80 (flat topped kabuki brush) or Real Techniques Buffing Brush if I want to build up the coverage a little more.
Too Faced Born This Way Foundation
And last but not least, my most full coverage foundation. I bought this when it first came out then promptly forgot about it, favouring my lighter coverage options, until I rediscovered it a few months ago and realised what a gem it is. Again, I'm a fan of less is more, so apply a small pump of this on to well moisturised skin and then bop it in with a beautyblender; it still gives a beautiful medium to full coverage but in the prettiest, most natural way. I find that this is one of those bases that improves with time and love it after it's settled in a bit and melted into my skin. I do find that I need to set this with a wee swipe of powder across the t-zone (otherwise I'll get a bit shiny after a few hours) but I'm more than happy to do that for this finish.
So those are my current fave foundations. What are yours?


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On 15th of Nov, the Kabatas Metro Construction Job Site was visited by Sales Support Media Department, Hitachi Construction Machinery Co., Ltd.( Hitachi Construction Machinery) together with staffs of Istanbul Branch, Hitachi Construction Middle East Corp. FZE.
The project is carried out by Alarko Holding. Alarko Holding has an experience in various fields, high technology driven R&D investments, national sales network and international projects. Canakkale-Karabiga import Coal-Based Power Plant, Istanbul Metro Levent-Hisarustu Rail System Line, Bozshakol Copper Plant, Taldykol Sewer Pond Liquidation Project Construction of New Facilities, Istanbul Metro Yenikapı-Sishane Section, Karakuz Hydroelectric Power Plant/DAMM/HEPP are some of the ongoing projects.
The turn-key project consists of the engineering, procurement, construction, assembly and system integration, testing & commissioning works of 22.5 km long mass transit rail system between Kabatas – Mecidiyekoy – Mahmutbey with 5.5 km TBM/NATM tunnel construction work and viaducts, whole construction works of 3 stations, finishing and electromechanical works of 15 stations, 1.5 km depot yard connection line and superstructure of the depot area and maintenance buildings. When the project is finished, capacity will be 70,000 passengers per hour per direction.
Payas Insaat is sub-contractor of the project. The owner of the company has extended experience for a long years and the firm was established in 2015 and started to business as a concrete sub-contractor company. Supporting of his experiences the company expanded its business tunneling, excavation works as well. Now, the company carries on Sancaktepe-Sultanbeyli Metro Line's Sarıgazi Station's 1700 meters tunnel excavation works and 2 shafts works.
Also, Kabatas – Mecidiyekoy – Mahmutbey Metro Line's Kabatas Metro Station switchyard tunneling and concreting operations has been carried out by Payas Insaat. The total project area for this company 150 meters. Due to tunnel is two-stage, total excavating length will be 450 metres.
Company has 1 unit Hitachi Hydraulic Excavator ZX160LC-5A, 4 units Hitachi Hydraulic Excavator ZX210H-5A and 2 units Kawasaki Wheel Loader 80Z6 in their machinery fleet.
1unit ZX210H-5A works for upper-structure works and other 1 unit works with the breaker under-structure (for rock deformation) works. Additionally 2 units 80Z6 works at visited job site.
The tunnel is located in 45 meters depth from the ground. The constructor company carries out NATM (New Austrian Tunneling Method) tunnel technology due to soft-ground. The fundamental difference between this new method of tunneling, as opposed to earlier methods, comes from the economic advantages made available by taking advantage of the inherent geological strength available in the surrounding rock mass to stabilize the tunnel. Use rock mass as far as possible to take additional stresses resulting from excavation.
The company owner indicated that Hitachi's machinery could resist against; hard tunneling and excavating works. The operators satisfy with durability and performance of machinery. Also, short time availability of spare parts and after sales support of Turkey dealer, ENKA Pazarlama Ithalat Ihracat, supports the customer satisfaction. Because of this Hitachi Construction Machinery is Payas Insaat's recommendation to everyone who works at tunneling projects.


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Portrait of an older woman with silver gray hair wearing a red vest.
Photograph ID: 11290x11
Model Release: Yes
Photograph keywords: 11290, 11290x11, 60, 60s, asian, authentic, calm, character, charming, citizen, compassionate, confident, courteous, endorsement, familiar, female, friend, friendly, genuine, grandmother, grandparent, healthy, honest, human, kind, loyal, neighbor, nice, patient, people, person, poised, polite, portrait, portrayal, positive, profile, real, relaxed, reliable, senior, sixties, sixty, spokesperson, testimonial, thoughtful, tolerant, woman, women, XC0A9


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Die Restaurants in Washington D.C. sind gut genug, um die Aufmerksamkeit der Michelin-Tester zu erringen. Aber nicht gut genug für drei Sterne! Im ersten Michelin Washington 2017 wurden zwei Restaurants mit zwei Sterne ausgezeichnet und neun mit einem Stern. Außerdem erhielten 19 das Label "Bib Gourmand".
Hier die kulinarischen Sterne, die künftig über der amerikanischen Hauptstadt leuchten:
Minibar. Culinary chemistry is on display at minibar by José Andrés, the avant-garde culinary lab for a locally-beloved celebrity chef. The tasting menu showcases a series of whimsical, playful, and thought-provoking dishes prepared right in front of the guests. While dishes are innovative and playful, flavors are excellent and techniques are precise; a meal here is solidly at a two-star level.
Pineapple and Pearls. Next door to his Rose's Luxury, Chef Aaron Silverman's fine-dining venture Pineapple and Pearls opened this year and was an instant hit. Even though this is a tasting menu experience, it is clear that they aren't taking themselves too seriously and the food is exceptional yet fun because of this. There are a wide range of influences in the dishes, from Japanese to Southern BBQ.
Rose's Luxury. Rose's Luxury is a fun, laidback place that serves a menu mostly of shared smaller plates. Unexpected flavor combinations surprise and dishes are interesting yet delicious. Chef Aaron Silverman is a DC area local (grew up in Maryland) yet his cooking blends local ingredients with very international flavors; Rose's Luxury remains one of the most difficult tables to score in the city (no reservations – hour+ long waits).
The Dabney. High-profile and buzz-worthy, this is a chef-driven establishment. Chef Jeremiah Langhorne is a Virginia-native and he has interned at Noma where he learned about foraging, and has cooked at Sean Brock's McCrady's in Charleston, SC. The chef is clear in using his menu to promote Mid-Atlantic cuisine in an updated way: ramp custard, pan-fried Chesapeake catfish, buttermilk pie with fresh-made strawberry jam.
Blue Duck Tavern. At the Park Hyatt, The Blue Duck Tavern is much more than a hotel dining room. The chic Americana setting draws the city's elite and while the appointments are gorgeous the setting feels relaxed. The open kitchen is the room's focal point practically placing diners in the midst of the action. The product-driven cuisine calls on the local area's finest products and the menu's farm-to-table vibe incorporates the wood-burning oven. Chef de Cuisine Brad DeBoy has worked at BDT since 2013 and was promoted to chef de cuisine in Sep 2014.
Kinship. Eric Ziebold has an impressive pedigree, having worked for Thomas Keller at The French Laundry and as opening chef at Per Se. After numerous stints in DC (predominantly at the Mandarin Oriental), Ziebold has settled on Kinship, which he opened at the beginning of 2016. The stylish contemporary dining room is home to a very personal expression of Ziebold's philosophy on food. It is an excellent convergence of simple, skillful cooking and high quality ingredients.


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Tom Harrell/trumpet & flugelhorn explores new musical spaces and places with his terrific new release "Trip"on HighNote Records. It's a quartet date on which he's joined by Mark Turner/tenor saxophone, Ugonna Okegwo/bass, Adam Cruz/drums. There are 12 tracks in all, 7 of which are listed as though a suite called "The Adventures Of A Quixotic Character". The piece called "Cycle" swings as hard as anything possibly could...all "Trip" as previously stated...terrific!
I'm guessing, at least I'm hopeful, that just about every note played at The Keystone Korner in San Francisco was recorded and thankfully some of those historical documents are now being shared with us. Pianist Cedar Walton and his quartet were there for The Rahsaan Roland Kirk Memorial Jazz Festival that took place during the Christmas to New Year's holiday week and the performances on this disc are taken from December 29, 1977 to January 1, 1978. Cedar's band included Bob Berg/saxophone, David Williams/bass, Billy Higgins/drums and they were also joined by Freddie Hubbard/trumpet. This new release, also on HighNote Records, is appropriately called "Reliving The Moment".
Two of the newest arrivals from Motema Music include:
"Time And Time Again" from the band collectively known as The Cookers. Billy Harper/tenor saxophone, the trumpets of Eddie Henderson and David Weiss, Donald Harrison/alto saxophone, George Cables/piano, Cecil McBee/bass, Billy Hart/drums.
The Michael Carvin Experience "Flash Forward". Drummer Michael Carvin new band is a quartet with Jansen Cinco/bass, Yayoi Ikawa/piano, Keith Loftis/saxophone. It's a collection of Jazz classics written by Miles Davis, Bobby Hutcherson, Horace Silver, Dizzy Gillespie and others all receiving a genuinely unique treatment under Michael Carvin's leadership.
You can hear these and other new releases and Jazz classics on Jazz from Gallery 41. We are streaming 24/7 and our schedule also includes live shows Monday thru Friday noon to 3 pm Pacific. Come on by and share the music with us whenever you can.
Visit the Jazz from Gallery 41 Marketplace to add these new releases all of your favorite recordings to your personal music library.
Take us with you wherever you go. Download the free Live365 Radio App to your smart device, and make Jazz from Gallery 41 a preset.
Tuesday, August 19, 2014
Jazz from Gallery 41 - New Releases
Posted by Ron P. / Gallery 41 at 4:48 PM
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Fresh flowers are truly beautiful, however they're delicate and don't last long. And it can be daunting when you're preparing for your big day or decoration projects as they can sometimes be out of control - things happen. Imagine the delicate bouquets and bouts dried up during half way through your wedding day or you need to find someone to specifically handle the flowers all day long in order not let them "thrist" for water under the strong sunlight.
Also, you can order silk flowers in advance for your projects and set the budget. Because fresh flowers' cost varies by season, so when your favourite floral types are not in season, you'll need to pay extra to get imported flowers from other countries. With silk flowers, you can choose the floral types you need and save the hassle.
In the market, you can find high quality silk flowers for alternative as they are just as beautiful and last long. Most importantly, you can keep them in the same conditions you want and feel at ease. No more worries about the fresh flowers dying, or the need to change your home decor weekly because your flowers are gone. You can use silk flowers for keepsake, decoration or gift purposes. You've nothing to worry about - it'll be all good.
We understand it can be difficult finding the right silk flowers online - the quality varies a lot. We've been there before. So we've taken great care to ensure that all items listed are described and photographed as accurately as possible to show the intricate details of each piece. Some of the products are in relatively higher prices because of their complexity in production, while most of them are in affordable prices, as we're here to help you with silk floral selection.


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Yes, there is such a place. Not far away from all the tourist traps, high rise buildings, traffic congestion and cruise port, you'll find El Meco.
Now we were happy. Our main goal in the expedition was to stay away from touristy areas and find places like this. Just six miles from downtown Cancun lie the ruins of a pre-Columbian Mayan settlement on Mujeres Bay. Thought to be the launching point for ancient trips to Isla Mujeres, the archaeological site has 13 structures gathered around a central temple. El Meco is less well known compared to other local ruins, so it's possible you'll have the whole place to yourself, and we did. More to come about the Yucatan soon. "Adios"


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Latest ASSP News
My Services
About Me
the source of ASSP
Welcome to my homepage
My name is Thomas Eckardt. I'm located in the south-east of Germany near Leipzig and Dresden.
I was born in 1964.
During leisure time, I like to drive my motorbike and if I have some more free time, I develope the anti spam solution ASSP (since 2007).
( what a joke - an IT guy with free time )
I'm a freelancer, working as IT project manager, IT consultant and technican. I got my first professional IT skills in 1983.
You want to know what ASSP is and how it works?
ASSP stands for:
Anti-Spam-SMTP-Proxy (the common name)
Auxiliary Support & Service Proxy for SMTP
The first term and the software was founded by John Hanna in 2003. This single-threaded SOHO version (ASSP V1) was actively developed until the end of 2014.
The second term and software was founded by Fritz Borgstedt (+2014) and me in 2007. This multi-threaded server version of ASSP is still maintained and developed by me (ASSP V2).
The Anti-Spam-SMTP-Proxy (ASSP) Server project aims to create an open source platform-independent SMTP Proxy server which implements auto-whitelists, self learning Bayesian and Hidden-Markov-Model, Greylisting, DNSBL, DNSWL, URIBL, SPF, SRS, Backscatter, Virus scanning, DKIM, attachment blocking, Senderbase and multiple other filter methods.
ASSP is written in Perl and is able to run on nearly any platform, where a Perl 5.12 or higher is available.
Please use the important links at the left side to get all available information about the ASSP project.
If you are looking for licenses, like the "ASSP corporate SMIME signing license", please contact me via email.
Copyright © 2015-2019 by
"Thomas Eckardt" All Rights reserved
Thomas Eckardt
Hauptstraße 278
09355 Gersdorf
Telefon: +49 37203 / 7007
Fax: +49 37203 / 7008
Internet: www.thockar.com
E-Mail: email@example.com
Steuernummer: 227/215/05468
Important Links:
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ASSP Forum
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Designed by Thomas Eckardt with WYSIWYG Web Builder 14
updated at 05.08.2019
the souce of ASSP


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Peanut and nut free, vegan, and gluten free, this Thai noodle salad is the perfect cool salad on a hot summer day. It's loaded with vegetables and fresh herbs, then topped with a creamy, yet tangy, sunflower seed butter that's a substitute for "peanut" sauce. You'll love this allergy and migraine-friendly salad!
The Best Sunbutter Search
Sometimes I'll get comments about how someone hates sunflower seed butter and my first question is "how many have you tried?". Everyone has their favorite peanut butter, right? Some people like a smooth and creamy Skippy, while others are all about the chunky. And then there's the super healthy peanut butter your mom pushed at you while you were growing up that was mixed with chia or tasted like earth. And you'd watch your other 13 year old friends with their delicious Skippy sandwiches and be so jealous. Clearly this never happened to me. Clearly.
It's the same with sunflower seed butters. Some are salted and super creamy. Others are creamy and a little sweet, but not salted at all. Some are chunky. And others taste that the crappy healthy peanut butter mentioned above…but worse. It all comes down to personal preference, and what I like you may totally hate. But I'm going to give you some recommendations anyway.
Sunflower Seed Butter Ranking
Here's my very personal rankings from best to worst:
1. Trader Joe's Sunflower Seed Spread (Yellow/Green Container) – This one is slightly salted (100mg) with no added sugar and my personal favorite. I literally eat it by the spoonfuls as a quick "breakfast" before a workout when I don't want to eat a full meal. It tastes like salted, toasted sunflower seeds to me.
2. Sunbutter Organic – Sugar and salt free, yet super creamy and still has a hint of sweetness. I find this one best for baking and using in dessert recipes. It has zero sodium so you may need added salt when cooking. Because it doesn't have salt, I find it less appealing for snacking, but I love savory things.
3. Trader Joe's Sunflower Seed Butter (Yellow/ Blue Container ) – Pinch of Yum claims this one is the best. To me, it's a little sweet. But it does seem to be a fan favorite.
4. Sunbutter No Sugar Added – This one is slightly salted (130mg) and similar to Trader Joe's. I prefer that TJ's has less sodium, but a lot of people really enjoy this one.
5. Once Again Sunflower Seed Butter Sugar & Salt Free – This is the one that tastes like a health food store. My mom loves it.
Those are all the flavors I've tried so far. If you have any favorites that I didn't mention, or want to argue with me on my picks, just comment below.
Other Recommendations
Since this Thai noodle salad recipe doesn't use citrus juices, making it migraine diet safe, I love using pomegranate juice or tart cherry juice for the sauce. Even if you have no interest in a migraine diet, this is a change I encourage you to try! It adds the perfect amount of tangy flavor without it being too sweet and is a great way to mix up your traditional lime juice recipe. I used Trader Joe's Tart Cherry Juice for this recipe, but one without added sugar is fine.
For the rice noodles, I used these gluten free noodles. And I love to use the Pretty Thai Sweet Chili Sauce on the side.
For other vegetarian and vegan recipes, check out this link.
And for more ideas on a vegetarian migraine diet, see this post.
Loaded with vegetables and tossed in a creamy and tangy sunflower seed dressing, these vegan Thai noodles are a perfect cold salad for a warm day. Gluten free, peanut, soy, and nut free.
- 8 oz pad thai rice noodles
- 1 1/2 cups cabbage slaw mix
- 1 red bell pepper, cut into thin strips
- 2 green onions, chopped
- 1/4 cup cilantro, chopped
- 1/4 cup basil, chopped
- 1/2 watermelon radish, or 2-3 small red radish, cut into strips
- 1/4 cup sunflower seed butter
- 1/4 cup unsweetened pomegranate or tart cherry juice
- 2-3 tablespoons distilled white vinegar
- 2 tablespoons coconut aminos
- 2 tablespoons sesame oil
- 2 tablespoons honey
- 2 teaspoons fresh grated ginger
- 1 minced garlic clove
- kosher salt and pepper to taste
- sriracha or sweet chili sauce to taste (optional)
Cook the rice noodles according to package directions, drain, and run under cool water to cool down. If the noodles are sticking together, add a tiny bit of sesame oil and toss them in it.
While you're waiting for the noodles to cook, add the sunflower seed butter, juice, vinegar, coconut aminos, sesame oil, honey, ginger, and garlic to a food processor. Blend until totally smooth and creamy. Taste and add kosher salt and pepper, as needed. (This will vary as some sunflower seed butters are more salty or sweet than others). Set aside to let the flavors meld together, about 30 minutes.
Place the cooled noodles in a large bowl with slaw, chopped bell pepper, cilantro, basil, and radish. Chill everything for 30 minutes while you wait for the dressing to develop some flavor. Then add the dressing a little bit at a time, tossing everything together until it's dressed to your liking (you may have some leftover). Serve cold with sriracha and/or sweet chili sauce on the side.
This salad will keep in the fridge for 2 days.


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November 18, 2016
Santa Is Coming To Town
Santa is coming to town
You better watch out!
You better not cry
You better not pout
I'm telling you why
Santa Claus is coming to town
Ho-Ho-Ho! Santa is on the way to town to share some gifts and lots of love! Only few more days before Christmas and with every passing day, we can feel the festive season at Bingo Extra!
As always, many cities in United Kingdom have already started to adorn the streets to bring the Christmas feel. Towns like London, Glasgow, Liverpool, Yorkshire, Manchester and Edinburgh have already started the decorations. We can already see red and white colours, tinsels, and Christmas trees in these metropolises. This year, Liverpool has displayed a huge 30m Christmas Tree made of hearts, which will be lightened up soon. Keep your heads up not to miss this giant tree in Liverpool.
The one exclusive thing that we also look forward for Christmas is the Christmas market! One place to find gifts for each and every one. Soon, you will be able to visit these as well.
Even better, the Christmas lights have already been switched on Oxford Street and Albert Square. In few days the same will be done in George Square, Edinburgh, Yorkshire and Liverpool. As on Albert Square, the famous giant Santa Claus is already glowing proudly in the middle of the city.
No need to wait longer as the festivities have already started at Bingo Extra! Celebrate the festive season with Christmassy games like:
• Sugar Train Xmas-Discover Christmas with amazing symbols like Gummy bears, Doughnuts, Chocolate and candies.
• Santa's Stash-Travel to North pole with Father Christmas!
• Merry Xmas-Meet Rudolph, the reindeer, on the great game.
• Xmas Joker- Gingerbread man, Christmas Holly and Bells await you on this game.
And on all these games, you will enjoy some jingles playing in the background.
Apart from potential winnings, these games will bring the Christmas atmosphere and might as well give you some decorating ideas. Bingo Extra does not only provide slots games… there are awesome hosted Chat rooms as well. Hop into The Extra Room and our friendly chat hosts will be waiting for you there for freebies with great chat games!
Bingo Extra indeed is the one place to have unlimited fun!


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There was a time when it was considered wrong to borrow money from anyone. Our parents and grand parents instilled the need to save money to buy what ever we want. We were told to live by the saying "Little drops make the mighty ocean". Though it was true back in the day when the cost of products and the need of the people was simple. People nowadays have greater needs and want to enjoy life as much as possible.
The updating of products like mobile phones, cars, laptops etc. each year wants people to get the best and latest products. This shift in lifestyle and the enabling of their needs thanks to the internet people have started to take loans or use credit cards to satisfy their needs.
With loans and credit cards becoming a big part of people's life how many of you have noticed that no person gets the same credit offers.
Even if 2 people have the same jobs, salary, working in the same company and living in the same locality in the same neighborhood do not get the same deals on loans and credit cards. This is because of a factor called credit score which will vary from person to person.
The popular definition of a credit score is as such "A credit score is a statistical number that evaluates a consumer's creditworthiness and is based on credit history. Lenders use credit scores to evaluate the probability that an individual will repay his or her debts. A person's credit score ranges from 300 to 900, and the higher the score, the more financially trustworthy a person is considered to be".
Let's make it even simpler, consider a class 12th student who has 5 subjects, in which he needs to get good scores to get into a good college. Now the average of the students score is what colleges look at before deciding on giving admission.
Credit score is exactly the same for a person which is a 3-digit number which is a got based on how you managed your past loans and credit cards dues. Just as a student will get into a good college if his score is good, a person with good credit score will get better offers when they apply for any type of credit.
Before we explore this section answer this simple question - "Will you lend money to a complete stranger?" Most of you will be nodding your head saying "No". The only way you will think of owning money if you know the person or one you know vouches for them.
To put it in layman's terms, banks were having the same problem in lending money because of the lack of parameters to make a lending decision. This lack of data also explains why loans were predominantly given to existing account holders or would take a lot of time to approve loans for new customers as it will take a lot of time to verify the given documents.
A person's credit score is that friend vouching for another person. The credit bureaus have all the information on you based on your credit history and provides a background about a potential borrower to the lender (Bank or NBFC). So, the higher your credit score indicates that you have managed your credit better and this increases the chance of your loan or credit card approved and get better offers in the future.
In India the credit scores of individuals are the domain of 4 credit bureaus – Equifax, CIBIL, Experian and CRIF High Mark. From lenders they collect the data of individuals who have taken any of credit compiling them in the form of a credit report based on which they calculate the credit score using their own proprietary algorithm.
Credit scores used to be an alien topic in India but not anymore. A survey found that 3 out of 4 Indians check their credit scores twice a year. Many Indians check their credit score to improve it while others check it to get a credit card or loan.
Even though many check their credit score to improve it, 3 out of 6 Indians were shocked to know that credit score is checked by lenders before approval of loan and that some mobile service providers check credit score before finalizing postpaid credit limit. This indicates that there is enough scope to educate Indians about credit scores and its importance.
Another factor is that Indians with income higher than Rs.5 lakhs check their credit score at least twice in a year compared to people with lower income.
As mentioned earlier the credit bureaus use data from your credit history to calculate or arrive at your credit score. The factors that affect your credit score are
Now apply for a Car Loan online, All you need to do is provide your details below application form.


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National Baptist Music Convention
- Roxanne R. Reed
The National Baptist Convention, USA (NBC) was organized in 1895 in an effort to unite, at the national level, the growing numbers of black Baptists in the United States. Its general objectives were domestic and foreign missions, education, and the publication and dissemination of religious literature. Structurally, the NBC operated through several Boards, each with specifically defined duties. A music department was introduced into the Convention in 1916 as part of the Baptist Young Peoples Union (BYPU) and Sunday School Board, under the direction of Lucie Eddie Campbell. The Convention published Gospel Pearls (1921), a songbook intended to accompany the music and worship services of black Baptists. While not wholly endorsed by the more conservative members of the Convention leadership, Thomas A. Dorsey introduced his gospel blues songs to the Convention in 1932. Under strict supervision of the Music Committee, which included Campbell, the Convention developed into the premiere performance venue for gospel singers. Gospel composers also capitalized on the outlet to demonstrate and sell compositions. The NBC established the National Baptist Music Convention (NBMC, ...


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This is an archived article and the information in the article may be outdated. Please look at the time stamp on the story to see when it was last updated.
AURORA, Colo. -- Colorado grocery stores, big-box retailers and gas stations will begin selling full-strength beer Jan. 1, 2019.
Lower-strength 3.2 beer sales will stop as it becomes replaced with full-strength varieties.
The change is due to a law 10 years in the making.
"We will go from 130 different types of 3.2 beers to over 400 full-strength available," said Todd Broderick, Albertson's-Safeway Denver Division's president.
Independently owned liquor stores are concerned about the change and its effect on sales.
"It's not going to help my business, that's for sure," said Lee Earnhart, owner of Chambers Wine and Liquor in Aurora.