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I haven't written much about MBIA lately, primarily because I had closed my bearish position on them at about $9 per share. This was originally initiated in the $60's last year, and really intensified in the $40's and $20's after a decent amount of research . Well, the CEO who over saw the move into structured product insurance (Jay Brown) has returned. He is the guy who said and I quote, "If you don't like structured products, you don't like MBIA" - ain't that a fact! I feel he has been lax in management oversight, judgment and execution. The letter to the shareholders is proof in the pudding. So, I decided to add a cowboy traded to the mix, buffered by the profits made from the very profitable short earlier this year and last year.
So, MBIA released results this morning. Anlayst consensus estimates (which never, ever seem close to my estimates) was $-0.19, and MBIA reported a loss of $13.03 per share (it's share price is only $9 and change per share). This is not all mark to market losses, either, operating losses seemed to be significant. According to the news articles $3.58 billion were derivative mark to market losses, hence the balance of the $13.03 was most likely investment and operating losses. This was a company that was literally the dominant underwriter of municipal bond insurance, with a majority market share. As of the last quarter, it had 2.5% market share - exactly as I anticipated. Remember, S&P and Moody's have affirmed its AAA rating. This is a damn shame. This is also an opportune time to review my CDS and counterparty primer as well. Remember, one of my big shorts, Morgan Stanley, has some of the most significant counterparty exposure to this (ahem) "AAA" company. I noticed the media has stopped covering this systemic risk which will be hard for the Fed to plug.
From Bloomberg:
MBIA Inc., the bond insurer that lost 87 percent of its market value in the past year, posted a net loss of $2.4 billion as the slump in mortgage securities deepened.
The first-quarter net loss was $13.03 a share, compared with a profit of $198.6 million, or $1.46 a share, a year earlier, Armonk, New York-based MBIA said in a regulatory filing today. Unrealized losses from derivatives were $3.58 billion.
The loss was MBIA's third straight and comes less than three months after the bond insurer successfully retained its AAA credit rating. MBIA, Ambac Financial Group Inc. and the rest of the industry have posted record losses after misjudging the value of collateralized debt obligations and securities backed by home- equity loans they guaranteed. MBIA, once a dominant provider of municipal bond insurance, had 2.5 percent of the market in the quarter, according to Thomson Financial data.
``We're not out of the woods yet,'' said Richard Larkin, senior vice president at Herbert J. Sims & Co. in Iselin, New Jersey. ``I'm not sure AAA bond insurers will ever be viewed the same way as in the past.''
MBIA raised $2.6 billion in capital to help convince Moody's Investors Service and Standard & Poor's to preserve its AAA rating. Chief Executive Officer Jay Brown said this week the company won't need to raise more.
``We have adequate equity capital to get through this crisis,'' Brown wrote in a letter to shareholders published May 6.
MBIA fell 21 cents to $9.22 in early New York Stock Exchange composite trading. The stock traded above $70 a year ago. MBIA's book value slumped to $8.70 a share on March 31 from $29.16 at Dec. 31, in part because of new shares sold in the capital raising.
`No Longer' AAA
MBIA estimates it will have $827 million of actual losses from paying claims on nine CDO transactions.
``Earnings pressure will remain for several quarters as writedowns continue,'' Peter Plaut, senior vice president at Imperial Capital, wrote in an e-mail today. ``This is no longer a AAA industry for the players that diversified into volatile financial derivatives.''
MBIA took $3.5 billion of writedowns in the fourth quarter of last year, mainly on CDOs it guaranteed through derivative contracts. Those contracts, backed by the repayment of subprime mortgages, have contributed to $323 billion of losses at banks since the beginning of 2007. Derivatives are financial instruments linked to stocks, bonds, loans, currencies and commodities, or linked to specific events such as changes in interest rates or weather.
`Mere Mortals'
``This valuation task is clearly one that stretches the ability of mere mortals,'' Brown said in the letter.
New York-based Ambac, the second-largest bond insurer, reported on April 23 a first quarter net loss of $1.66 billion, wider than analysts estimated, after $3.1 billion of charges related to mortgage securities. New business at Ambac slumped 87 percent after municipalities balked at buying its insurance and sales of CDOs dried up. Ambac shares tumbled 43 percent on the day of the announcement.
The bond insurers faltered after expanding beyond municipal debt into subprime-mortgage securities and CDOs, which package pools of debt into new pieces with varying ratings and risk. As subprime defaults soared to records, MBIA and Ambac were forced to write down their value.
Rising defaults on home-equity loans have also dragged down bond insurers' results. Ambac set aside $1 billion during the first quarter to cover claims on second lien mortgages. Hamilton- Bermuda-based Assured Guaranty Ltd. reserved $59 million, largely for two deals backed by Countrywide Financial Corp. loans.
MBIA had insured bonds backed by home equity lines of credit and closed-end second loans totaling $21 billion at the end of 2007, according to the company's Web site. Almost $9 billion of those securities were originated in 2007. The company said today it had $265 million in additional loss expenses related to home loans.
Billionaire Warren Buffett, who created a bond insurance company to insure municipal securities, told attendees at Berkshire Hathaway Inc.'s annual meeting earlier this month that an insurer forced to borrow at a 14 percent yield doesn't deserve AAA credit ratings. MBIA sold $1 billion of surplus notes with a 14 percent yield to raise capital in January.
Competition from companies with stable AAA credit ratings has eaten into MBIA's municipal bond business.
Financial Security Assurance Holdings Ltd., owned by Dexia SA, insured 65 percent of the $22.2 billion of municipal bonds sold in the first quarter, according to data from Thomson Financial. Assured Guaranty had a 30 percent share.
``It's up to the market,'' Larkin said. ``Either it's going to give MBIA another shot or not.''


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The wool and cotton used in Savvy Rest mattress quilting are certified organic. There is no official organic certification program for latex, however, we are proud to post the results of extensive independent laboratory testing of Savvy Rest Dunlop latex for purity. Savvy Rest has also required their Talalay supplier to certify that no synthetic chemicals are added to the Talalay they use.
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subset: commoncrawl


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Different calendars
Throughout history, people have used various systems to organize the year into units such as days, weeks, and months. A calendar's primary function is regulating and organizing human activities; the word derives from the Latin calendarium or calendra, "account book," and kalendae or "calends," the new moon and first day of the Roman month.
Unlike the day, the month, and the year, the week is not based on any astronomical event.
The modern calendar has 12 months of 30 or 31 days each (February has 28, sometimes 29). The calendar year has 365 days, which is about how long it takes the Earth to circle the Sun once. That makes it a solar calendar.
The oldest calendars were used to figure out when to plant, harvest, and store crops. These were often "lunar calendars," based on the number of days it took the Moon to appear full and then dwindle away again.
Many calendars have religious origins.
More »


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Frequently Asked QuestionsLearn More About Cryotherapy
Who developed the cryosauna?
Whole body cryotherapy was originally developed in Japan in 1978 By Dr. Yamaguchi and the benefits have been studied and refined in Europe since that time. Initially explored for the purpose of treating rheumatoid arthritis, Dr. Yamaguchi found he could significantly reduce the soreness and pain his patients usually felt during manipulation of their joints, because the rapid decrease of temperature of the outer layer of skin led to the immediate release of endorphins and therefore less sensitivity to pain.
Has Whole Body cryotherapy been researched?
Yes. Researchers in Europe have been developing and refining whole body cryotherapy for over three decades. You can find additional information regarding the success of cryotherapy at https://www.ncbi.nlm.nih.gov/pubmed/?term=whole+body+cryotherapy
How does the cryosauna work?
The cryosauna uses nitrogen gas to lower the client's skin surface temperature from normal body temperature to 30 degrees Fahrenheit in 30 to 45 seconds and keeps it that way for 2-3 minutes. The skin reacts to the cold and sends messages to the brain that stimulates the body to go into survival mode by shunting blood from the extremities to the core where the blood is enriched with oxygen, enzymes and nutrients. As the body re-warms, this nutrient rich blood is pushed back to the extremities. Enriched blood promotes internal organ regeneration, expels toxins from subcutaneous layers, initiates cell renewal process, triggers replacement of damaged cells and eliminates dead cells from peripheral tissues. Or simply put, it is rejuvenation of the body at the cellular level.
Is nitrogen dangerous for humans?
No, it isn't. Nitrogen is a non-toxic, natural gas. The air that we breathe is made up of 20% Oxygen, 78% Nitrogen and 2% of other components.
How can I tolerate the cold?
The air is very dry, some people don't even shiver. The cooled air flows over the skin, which in turn, creates the beneficial results. This process never freezes the skin tissues or organs. Only the sensation of being cold is perceived.
How does Cryotherapy compare to an ice bath?
It doesn't. You are simply unable to achieve the same results with an ice bath. After 12-15 minutes of a shockingly cold ice bath the skin temperature only arrives at 41 degrees whereas with 2-3 minutes of whole body cryotherapy the skin temperature gets as low as 30 degrees, this allows for a different physiological response from the body increasing your speed of recovery and overall healing. During an ice bath, the cold actually penetrates into deeper skin tissue and can be damaging to the skin. In the cryosauna, the skin is never penetrated, yet the body responds on a deeper level, even improving the skin's overall condition.
How will I feel afterward?
During each session the body releases endorphins, which are your "feel good" hormones. The effects from each session last at least 6–8 hours. As with any new regimen, consistency is key and increased results will be noted with regular use. Many report a higher pain tolerance when exposure is pre-workout, and decreased inflammation is noted with a post- workout exposure. You will also burn 500 calories or more per exposure, due to the body's increase in metabolic rate.
Can I work out immediately before or after my exposure?
Yes. In fact, it is recommended. If you workout before your exposure, you can expect greater recovery due to the inflammation reduction. If you work-out after your exposure, you can expect a higher pain tolerance, more energy and greater flexibility.
Can I catch a cold from the effects of the cryosauna?
No. The immediate cold impact of the exposure will raise the internal body temperature for a short period of time. The triggering of detoxification can actually help your body recover from a cold.
I am claustrophobic. Can I use the cryosauna?
Yes, you can. The chamber is open at the top and your head is raised above the level of the upper rim of the chamber, so you are never fully enclosed. You will remain in complete control as the door is never locked and you can step out if you ever experience discomfort.
How often should I use the cryosauna?
For optimum results, 2-3 times a week. It is safe for you to do two sessions a day but it is only recommended for those in heavy training or rehab.
Do I have to take a shower before and/or after the procedure?
No, you don't. This procedure is absolutely dry and does not make your skin wet.
Why do I need socks and gloves?
The method of hyper-cooling the skin is so sudden that the body is triggered to pull blood from the extremities to protect the body's core temperature. The vessels around the core then constrict, holding the blood in the core. We simply protect the areas that are most affected by this reaction to ensure your comfort and safety during your exposure.
Who should not use whole body cryotherapy?
The following conditions are contraindications to whole body cryotherapy: Pregnancy, severe Hypertension (BP> 180/100), acute or recent myocardial infarction, unstable angina pectoris, arrhythmia, symptomatic cardiovascular disease, cardiac pacemaker, peripheral arterial occlusive disease, venous thrombosis, acute or recent cerebrovascular accident, uncontrolled seizures, Raynaud's Syndrome, fever, tumor disease, symptomatic lung disorders, bleeding disorders, severe anemia, infection, cold allergy (being allergic to cold), acute kidney and urinary tract diseases. *Any client with a recent history( within the last six months) of cardiac disease or episodes will acute kidney and urinary tract diseases. *Any client with a recent history( within the last six months) of cardiac disease or episodes will be required to have a physicians statement clearing them to try whole body cryotherapy.
Is there a weight limit?
We can accommodate clients up to 350 pounds in our cryosaunas. * Please note: You will also have to be able to stand comfortably within the chamber without touching the sides in order to be allowed to purchase an exposure. We will assist you in accessing and measuring in the chamber for your safety.
Are there age restrictions?
Yes. Although the cryosauna triggers normal body responses to cold, ours are only designed for an adult-sized body. It cannot hurt children, yet they are simply too small for our cryosaunas. We recommend clients be at least 16 years old with parental consent. For those clients who are between 14-15 years old , both a physicians release and parental consent form are required.
What are the risks of Whole Body cryotherapy?
Whole-body cryotherapy is very well tolerated and has minimal risks: Fluctuations in blood pressure during the procedure by up to 10 points systolic (this effect reverses after the end of the procedure, as peripheral circulation returns to normal), allergic reaction to extreme cold (rare), and activation of some viral conditions (cold sores) etc. due to stimulation of the immune system.
What to Expect
Customer Service:
Once you arrive, we will be glad to have you tour the cryochambers and answer any questions that you may have regarding whole body cryotherapy and our procedures. After signing your waiver, you will be shown to the cryosauna room, where we will go over instructions step by step on what you need to wear, how to access the sauna and how to let us know when you are ready.
Once you are in your protective clothing (you will remove all clothing besides socks, slippers and gloves, which are provided. Men: You need to bring cotton underwear or boxers, as you will need the extra protection), you will step into the cryosauna, advise the staff member who will come into the room and go over the instructions with you. They will then turn on the cryosauna and stay with you, talking you through the entire process. We will be asking for your feedback throughout the treatment to ensure your comfort. We will only see your face, as the rest of your body will be in the cryosauna. The cooled air begins, and you instantly feel the effects of the cryosauna healing your body, relieving your pain and rejuvenating your skin! Then as quickly as it began, three minutes has passed, the machine is turned off, and your body instantly begins to warm back up to normal temperature. Our staff member leaves the room, allowing you to exit the cryosauna and get dressed in complete privacy. The immediate effects of the cryosauna will have already kicked in as you leave the room. Your body is re-warming. You will see slightly pink skin with goose bumps and have a warm tingling sensation as blood rushes back to your extremities. After 10-15 minutes you will notice increased energy that lasts for up to 6 hours.
At STL Cryo, we recognize it is your body and you have a better understanding than anyone on how you feel. We encourage you to share throughout the process what you are feeling and remember if at anytime you do not feel comfortable you may push the door open (quick release safety feature) and the machine will stop.


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Kahuna Creations is proud to add to the original Haka Longboard product line by introducing the new Haka Rasta! Ride the Black, Green, Yellow and Red colors proudly.
The Haka Rasta longboard is the ultimate in control, stability and soul riding. Easy riding for any beginner, and longtime shredders live for this kind of ride – as smooth as glass. The Haka shape features a mile taco concave for a great feel and responsive ride.


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In the center, we can see the playing field with 5 reels and the same number of active lines. On the background, a depiction of the bard canvas is complemented by bright strips. Thanks to this color solution, all the characters look brighter and more qualitatively drawn.
At the bottom of the screen is a golden control panel that does not offer complex functions, so it is easy to be used even by beginners. Since the participant cannot change the number of pay lines, he or she only needs to make a bet that will affect the game process and payout. Accordingly, the higher this indicator is, the higher the payout you get. This action is carried out by the Line Bet function that exposes the bet in the range of 0.40 – 5 credits per line.
After this, the player can start the rotation in one of three modes: normal, turbo or automatic. All payments for chains are accrued in accordance with the table of payments that can be found in the theoretical section. To open this section, click the "i" button in the lower left corner. Two buttons in the upper right corner offer to mute the sound and visit the help section. Customers will not have problems with management.
Features and Bonuses
Since this is a "classical" model, it is perfectly logical, so here you will find no additional rounds and symbols. But despite this, you will find an exciting gameplay, during which the main prize is played.
In order to get a jackpot (37,500 thousand), the user needs to catch some similar pictures on the playing field. After this happens, you will hear a characteristic sound. This exciting model from the well-known provider is available without registration and additional downloads in a free mode on our website. This option makes the emulator accessible to every visitor.


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Like it or not, most of us have been or will be scammed by some online con artist at some point. Even though I always do tons of research and move forward cautiously, I have fallen victim to these folks more times than I care to remember!
But after building a successful online business, I have come to realize what is legit and what isn't. I've learned the hard way over many years of being taken advantage of how to avoid online scams and I have come up with a list of sure-fire warning signs to watch out for.
It is my hope that if you are considering becoming an online entrepreneur that you read this post and learn from my past mistakes. If I can help even one person learn the warning signs of online scams and help them avoid making these scam artists rich, I will rest much easier at night!
I have broken this down into three different categories:
You see, not all scams are created equal and not all make money online programs are scams. There are many legitimate ways to make money online - if you know what you are doing.
But I will tell you something right now. Nothing is foolproof and nothing is guaranteed! I will go into much deeper detail on this later but I wanted to state this upfront. Because if you EVER come across anything that says otherwise, run away as fast as you can!
The real focus of this discussion will focus on the second category I mentioned above, The Almost Legit Scam, because these ones can be very difficult to identify. And unfortunately, this is category where most hardworking, honest people fall victim to.
So let's knock the first category out now.
This one is usually pretty easy to recognize as they tend to be extremely salesy and full of hype. So I will illustrate this one by citing a typical example.
This type of scam usually has a simple web page with a sales video only. The video typically does not offer any navigation nor will it let you fast forward to the end. It holds you captive and forces you to listen to the entire thing. It is only at the very end of the video where you will be presented with a button to click that takes you directly to a Sign-Up or Purchase Now page.
These sales videos are quite long, usually 30 to 40 minutes. It will spend the majority of that 30 or 40 minutes telling you a story about how they were totally broke just a few short months ago but because of this super duper magical program they found, they are now living the life of their dreams on an island in the Caribbean that their private jet flew them to.
But wait it gets better...
If you act today and today only, you will have the opportunity to live this lifestyle as well. But this offer is only valid today and if you leave this web page anytime before this video (or voice recording) ends, you will forfeit your chance to join the elite members of this group and you will walk away from millions!
As silly as this sounds, let me assure you that number one, it's real. And number two, many people believe this garbage and fall for this crap!
In most cases the video sales pitch is done professionally and has lots of things to keep your attention. And they always have a very believable sales person doing the voice over that promises they understand your situation and how badly you want a better life.
Blah, blah, blah.
How these types of online companies are able to operate is beyond me. All they are doing is playing on your emotions and promising you the world so you will pull out your credit card and not miss out on this amazing opportunity. And in return, you typically receive something of little to no value that you could have found online for free.
And if you're lucky enough to actually have a support email to complain to, they will simply tell you that you purchased the starter program and in order to get the 'real' keys to the kingdom, you need to purchase the Elite Program, or whatever name they have for it.
Even though you contacted them to complain and/or cancel whatever you bought in the first place, you end up spending even more money chasing after that promise. This cycle continues over and over until finally you say, 'I'm done'! But by this time you are out hundreds (if not thousands) of dollars and your chances of getting any type of refund are long gone now.
Again, sounds almost silly, doesn't it? But this is the exact online scam that tens of thousands of people fall for every year. So if you ever come across anything that sounds remotely similar to this, please keep your wallet in your pocket!
As I mentioned earlier, these types of scams are the most difficult to identify. Why? Because in most cases they do provide you with something, it's just that the something is usually of no value or is used as bait to get you to buy more stuff from them.
In the make money online industry, a very common practice is to only sell you the first piece of the puzzle. Of course you do not realize this when you fork over your money. This only becomes evident after you've made the purchase and then realize there is much more to be done to reach the promised land.
Again, has the seller scammed you? Maybe, maybe not. But they certainly were not 100% upfront with setting the expectations. Did they tell you there were actually 10 separate modules to buy? Of course not. This is why I call this The Almost Legit Scam. You get something but not what you expected.
And then there are the programs that are on the borderline of false advertising. For example, I bought a program a few years ago that promised SEO rankings on the first page of Google. I didn't know that much about SEO back then so I bought the program only to find that the author changed his tone and indicated that his system probably wouldn't work for most websites. But it was possible to rank on page one if you followed his system.
Which is it? I bought the program because I wanted to be ranked on page one of Google! But after reading the fine print I learned that it probably wasn't likely. Scam? Yes and no. But I definitely felt like I was taken advantage of and I certainly did not get what I thought I was buying.
In other words, the course did provide some value. But in the end, it failed to deliver on its initial promise and what it was advertised to deliver.
This is why these are difficult to identify. You might get lucky and actually get what you think you should be getting. But on the other hand, there is a high likelihood of being taken to the cleaners as well.
I'm going to provide the 9 common warning signs that will help you identify each category of scams that I am reviewing here in just a minute.
But if you want to learn first hand about avoiding online scams all together and how to start a real, online business check out Wealthy Affiliate. They are totally legit and offer the best training and online business strategies in the world! And by the way, it's 100% free to join.
Have you ever been so frustrated with something that you find yourself bad mouthing it and tearing it to pieces when in fact, it really isn't as bad as you are making it out to be?
I know I am guilty of this so this is why I call this category The Frustrated Consumer Scam. It really isn't a scam at all, but just someone who has become frustrated with an outcome that did not meet their expectations.
I see this all the time, especially on social media posts. There is always going to be a small group of people that have nothing better to do but take the opposite side of everyone else. They go out of their way to find the negative in every situation, usually because they are seeking attention.
I'm not saying that negative consumer comments aren't valid; in some cases they are. But when you peel the curtain back a bit a dig a little deeper into why they are frustrated it usually comes down to things like user error, not understanding how to use the product or not following the directions.
Amazon is full of these types of negative consumer comments and reviews. But I have found that in many cases it is unfounded.
Those that offer any type of real explanation as to why they are giving a product just one star when 98% of the other reviewers are giving the same product a 5 star review can be attributed to their lack of knowledge or lack of understanding about the product.
For example, I recently read a review about a particular brand of tablet. There were over 8,500 reviews with the majority of them being 5 stars. The folks that were giving 1 star reviews were complaining about things like, the tablet wasn't fully charged when I received it, or I have to press the power button for 2 seconds in order to turn it on.
I guess if I based my purchasing decisions on comments like that I would never buy anything! But like I said, some people will not be happy no matter what.
So when these types of people are reviewing make money online programs I always take it with a grain of salt when I see an imbalance of positive comments against just a few negatives. This is something I recommend you do as well since you may pass up something that is actually good and legit if you give into the comments and unfounded opinions of the few naysayers.
It's very easy to fall into the 'promise of a better life' trap that so many online con artists hit us with every day. Most of us should know better, but many times we don't. Our emotions and the hope of something that might actually work gets the better of us every time.
So even though the following warning signs are a very good indication that something fishy might be going on, always do your own due diligence and research. These are a set of guidelines only and sometimes even the legit programs can have some of these characteristics.
This was discussed earlier but because of its importance, it makes the number one spot on my list of warning signs! If you land on a simple web page with no navigation and a video only sales pitch, run away!
If you are forced to sit through a lengthy sales pitch and have no way to navigate through the website, this is a pretty solid indication that you are looking at an online scam.
The only people that do this are product owners that lack actual substance and helpful information for you to review. They want to keep you in the dark and essentially brainwash you for 30 or 40 minutes.
Since I've already discussed this type of scam in detail earlier in this post, I'll move on to the next warning sign. If you want to review this again, click on the Sales Video Only Scam to take you back to this discussion.
One of the biggest red flags you will come across is the promise that you'll make a ton of money right away. This falls into the 'get rich quick' scam that so many people become victim of.
Listen... if it sounds too good to be true then it most definitely is! They will try to convince you that this 'one simple trick' that no one has ever heard of is the secret to your success. They promise that their method or program is really easy to follow and will make you bunches of money quickly and easily.
Ok, then tell me this... if it was so simple and easy then why isn't everyone doing it? Or better yet... if they really have the secret to riches formula, why in the heck would they want to share it with you or me?
The truth is, they wouldn't share it with anyone! Why would they invite outside competition to the party and diminish the amount of money they could make by having to share it with the rest of the world? It just doesn't make good business sense to do this.
The only reason they are pitching this to you is because there is no simple and easy way to make tons of money with any online program! It simply doesn't exist. It takes hard work and commitment.
So if you come across this sales pitch, just keep your money in your pocket and move on.
Money back guarantees are a good thing, but be careful about any offer that provides an extended time period for this. Chances are they are just lulling you into a false sense of security by trying to make you feel your money is not at risk. But chances are, it is!
Most legitimate programs will typically offer a 15 or 30-day money back guarantee. This is good because it gives you an opportunity to check out the goods and then get your money back if you decide it is not for you. But you will know this in a matter of days, not a couple of months.
Legitimate companies are not interested processing refunds. They don't want to waste their time or yours with exchanging money. If they have something good to offer they want you to be satisfied with your purchase and become a happy customer or they want you to move on.
Plus if the refund period is for an extended length of time, you may have troubles if and when you do request your money back. If the product is legit why would they offer it to you for 60 or 90 days and then 'happily' give your money back? More times than not you will be met with major headaches and frustration when you ask for your purchase to be refunded.
Testimonials are a good thing. In fact when you and I search the internet before purchasing a product, seeing some good customers testimonials and positive products reviews is the reason why we buy.
But the scam artists know this and take full advantage of our attempts to be diligent in our research. The problem is they use fake testimonials by people who offer their services for a fee.
There are plenty of websites that provide these types of 'fake' testimonial services (Fivver) but the good news is, they are usually pretty easy to spot.
Fake testimonials tend to be full of outrageous claims about the product and are typically accompanied by verbiage that is over the top. If it sounds like the customer is going overboard on hype and you notice a lot of repetitive words, this is your warning sign.
Furthermore, fake testimonials are usually written by the same one or two people. So if you notice similar claims and the use of the same words across different clients, chances are these are fake.
Another thing to look out for is if the client is sitting in a big mansion showcasing a bunch of Italian sports cars in their driveway, I would recommend that you run away, now! This is a solid indication that this seller is a complete scam artist!
Companies that feel the need to showboat like this are most likely lacking in credibility and feel the need to resort to emotional tactics to get you to believe that what they are offering is for real. My recommendation is to avoid at all costs!
Just like fake testimonials, fake comments are another major red flag that the site you're visiting is a scam! The most common types of fake comments are the ones that look like Facebook comment threads at the bottom of a web page. They look real and they appear to have a valid string of comments all the way through.
But when you try to add your own comments you're taken to a totally different web page. Or at the very least, you click to add your own comments but nothing happens.
This is a dead give away that this site is a scam. The comments are fake and have been falsely added by the seller. So be on the lookout the next time you see site comments. Make sure they are real!
One thing you should always look for is a way to contact the seller and the ability to have support after you make your purchase. If you notice that there is no Contact form or email address, I would be extremely cautious as this is a huge red flag for a scam.
Furthermore, if you're actually able to ask a question through a contact form or email address but you do not receive a response within a 24-hour period or so, this should be an indication that your inquiry has fallen on unresponsive ears and that the only thing that really matters to this company is your money, not your questions.
Legitimate companies with good products will do everything in their power to have an open line of communication with you. They want you to feel good about your purchase and your overall satisfaction matters to them.
So keep this in mind the next time you find something that interests you. Make sure you can contact the company and that your receive a reply to your questions in a timely manner.
As intuitive as this may sound, many scam artists have perfected the method of selling you on the promise of their system and their amazing secret will be revealed as soon as you buy. Really? I don't know about you but I don't cough up my credit card for anything unless I'm completely sure about what I'm buying!
But unfortunately, many people get lured into this type of shady selling by these con artists only to find that they've just signed up and purchased something that is total junk.
If you are asked to pay for something upfront without feeling 100% confident about what you are getting, don't do it! This technique provides you with an awesome sales pitch but tells you the actual secret will be revealed immediately after you pay.
Remember, there are no secrets and if anyone is trying to make you believe otherwise, keep your hard earned cash in your pocket!
Legitimate companies will provide you with an explanation of their products before you buy and will encourage you to contact them if you have questions or concerns.
Have you ever seen these offers with the countdown timers running in real time as you're trying to read the information? It's annoying, right? I mean all I'm trying to do is figure out if their offer is something I'm interested in or not.
But I haven't even had a chance to read what the heck their offer is yet but here's this pesky countdown clock in my face that makes me feel like I have to hurry up and do something!
This does not indicate a scam per se. In fact, the use of this method is actually a good technique for things like concert tickets or getting your seat on the bus for the local pub crawl. In these instances, it makes sense and the countdown timer would actually expire and your offer will no longer be valid.
But from the digital world perspective, when is the last time you ever heard of a download expire? I mean, how scarce is an online product? Not very! Can you imagine a shortage of digital products? So the use of this technique when offering digital product downloads is not very ethical.
It is just another shady attempt by a company that probably doesn't have a lot of credibility or a good product to offer to pressure you into making the purchase. They want you to believe that time is running out and it's now or never for you to buy.
Don't be fooled by this technique. One does not run out of online products and any attempt to make you believe otherwise is made up and has scam written all over it.
Now that we've covered the warning signs to look for in order to avoid online scams, let's take a quick look at some of things you should look for in order to determine if the product or program is for real.
After all, the end game here is to find legitimate ways to make money online, right?
Companies that offer site memberships that allow you to access their content for free are definitely where you want to be. This is an excellent indication that they are proud of their information and want to encourage visitors to check everything out free of charge. It also says that they care more about you and your satisfaction instead of taking your money.
The best sites will offer the free memberships and give you access to tons of training and information with no time limits or expiration dates. But you should know that you will be limited in regards to how much information you will have access to. In order to get to the highly valuable information you will need to become a paying member at some point.
This is perfectly fine since who in the world would expect something for nothing? But having a zero cost option with no credit card required gives you an opportunity to 'try before you buy' while still being able to take advantage of some wonderful material at the same time.
Having access to support is huge. Having access to all of the other members of the community is home run. Why? Because the best way for you to know if the program is legit or not is to communicate with other members.
If their program was total junk or some type of online scam, the last thing the site owners would encourage is having members talk to each other. So consider this an excellent safeguard that the program you are looking at is totally on the up and up.
Plus being able to chat with other members who have encountered the same problems you are currently having is an awesome way to get the help you need. They know where you're at and where you want to be. They can be your best resource when it comes to resolving the issues you are experiencing because they've already been there and done that!
One way to tell if a program is a scam is if they are adding fresh and new content on a frequent basis and if they've been around for a while.
Many online scam artists don't last very long and tend to disappear very quickly. If you see a company that has been in business for a number or years, it's a very sign that they are legit.
A company that meets all of the criteria mentioned here is Wealthy Affiliate. They've been helping people become successful online entrepreneurs since 2005 and they continue to grow year after year.
It's one of the best training and support communities on the internet. Why not check it out for yourself and see what you think?
Online scams are everywhere, especially in the world of making money online. And they are becoming very sophisticated with the techniques they use to pull your hard earned cash out of your bank account!
You must look at everything with skepticism and doubt until you can be certain the program and the company are for real. Educating yourself about how to identify these shady sites and the crap they offer is crucial if you want to protect yourself and your money.
And sometimes even after doing all of your research and company vetting, you will still end up being taken advantage of. It is an unfortunate fact of life.
That's why programs like Wealthy Affiliate are so incredible.
They care about your success. They care about their reputation and they care about doing thing the right way!
Have you experienced an online scam? Or are you looking at a company that you are concerned about? If so, please leave a comment below and tell me about your experience.
And if you want me to look into a specific company to see if it is a potential scam, just let me know. Let's shut these guys down as fast as we can!
Digital marketing has been a passion of mine for over 12 years. I am a successful online business owner and I have my own digital marketing agency. I love helping people learn just how amazing the world of affiliate marketing can be and I'm committed to helping folks make money online while avoiding the mistakes I made along the way.
9 Huge Affiliate Marketing Mistakes And How To Avoid Them
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Damen delivers fast crew supplier for work in Abu Dhabi oil fields
Maritime service provider Allianz Middle East Ship Management and Scotland-based Maritime Craft Services (MCS) have taken delivery of a Damen Fast Crew Supplier (FCS) 2610.
Damen said on Tuesday that the new vessel would be used for crew transfer services for up to 50 passengers to and from the Abu Dhabi oil fields.
The two companies welcomed guests on board the new vessel in a celebration during this year's Abu Dhabi International Petroleum Exhibition and Conference (ADIPEC). Business associates and clients were given a tour on board the vessel at the Emirates Palace Marina.
Damen Sales Manager for the Middle East, Teun Haverkort, said: "We are very proud to see another FCS 2610 enter service in the Middle East oil and gas industry."
With the vessel available on stock, Damen carried out several adaptations to make it OPCO compliant. This meant preparing the vessel for its first contract and increasing passenger capacity.
Haverkort said that, with the increased passenger capacity which now stands at 50, the Damen FCW 2610 is a 'truly viable alternative to helicopter transfers'.
Further, the vessel's 90 square meters of deck space, is big enough to accommodate two 20 foot containers and also includes upgrading of the 5-man crew accommodation which allows extended offshore duties.
The MCS Allianz Venus is the second FCS 2610 active in this sector in the Middle East after the AOS Swift was delivered in 2015 to Atlantic Maritime Group.


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Brain Dead
One belief that persisted for a very long time about the brain was that once it was done growing (relatively early in life) you had all the "brain" you were going to have. It was believed that as neurons and others cells died off that was it for them. It was also felt that the way that your brain was "wired" during its development was permanent. If it was wired with certain abilities and traits… so it stayed for the rest of your life!
One of the biggest things to be coming out of recent research is the fact that our brains do grow and alter over the course of our life. That means that we can alter our brains. We can continue to "improve" its structure. This is important for diseases such as Alzheimer's where working on cognitive ability is so important. It is also as important for everyone because it tells us that we can continue to exercise our minds (like our other muscles) to improve "thinking" ability. In fact, as much as we should be exercising our muscles, so should we be exercising our minds.
There are programs out there that you can use. I'll list them in the days to come.


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Keyboard with Touch Response | Product code: 10031456-SCHUBERT | ID: 312842
Estimated delivery 2020-04-20
With 61 dynamic expression light buttons, the Schubert Etude 450 USB Beginner's Keyboard leads the way into the magical world of sounds and invites beginners and returning ones to play and practice their own melodies. 460 voices, 260 rhythms and 65 demo songs, as well as a wide-ranging percussion pad offer a great design treasure to encourage creativity. Additionally it provides pitch bend and other controllable effects, e.g. sustain and vibrato for creativity. In addition to the classical learning of notes from sheet music, the Schubert Etude 450 USB provides the possibility to familiarize yourself with the keyboard in a very intuitive way. With the intelligent training function, selected pieces are learned note by note in 3 successive learning modes. In individual steps, tones, melody and rhythm are trained, the lit keys guiding the path through the note space. Additional melodies can be played on the keyboard thanks to the USB MIDI interface. A useful feature in sketching song ideas or practicing is the integrated recording function. The split function divides the keyboard into bass and melody range, so that two people can also play at the same pitch. This is particularly practical when playing with a teacher or partner player. The 3.5 mm jack headphone connection ensures that you can totally focus on playing music regardless of the time of day, roommates and neighbours. The microphone input can be used for the accompanying vocals.
Overall score based on 0 user reviews:
Do you own Schubert Etude 450 USB or have you had a chance to try it?


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By Timothy Johnston
Being Soviet adopts a fresh and cutting edge method of the an important years among 1939 and 1953 within the USSR. It addresses of the major fresh debates referring to Stalinism: 'what was once the good judgment and language of Soviet power?' and 'how did traditional voters relate to Soviet power?' on the subject of the 1st debate, Timothy Johnston shifts the focal point clear of Russian nationalism onto Soviet id which, with regards to the surface international, supplied a strong body of reference within the late-Stalin years. 'Sovietness' is explored through the newspapers, movies, performs, and well known track of the period. Johnston's most important contribution lies in his novel resolution to the query 'How did traditional electorate relate to Soviet power?' He avoids the present Foucault-inspired emphasis on 'supporters' and 'resistors' of the regime. in its place, he argues that almost all Soviet voters didn't healthy simply into both class. Their courting with Soviet energy used to be outlined by means of a sequence of refined 'tactics of the habitat' (Kotkin) that enabled them to stick fed, expert, and entertained in those tricky occasions. Being Soviet bargains a wealthy and textured dialogue of these daily survival thoughts through the rumours, jokes, hairstyles, track tastes, sexual relationships, and political campaigns of the period. each one bankruptcy finishes by means of exploring what this daily behaviour tells us concerning the collective mentalite of Stalin-era society. Being Soviet makes a speciality of where of england and the US inside of Soviet id; their evolution from wartime allies to chilly conflict enemies performed an essential function in redefining what it intended to be Soviet in Stalin's final years.
Read or Download Being Soviet: Identity, Rumour, and Everyday Life under Stalin, 1939-53 (Oxford Historical Monographs) PDF
Best russian & former soviet union books
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Chechnya's Terrorist Network: The Evolution of Terrorism in Russia's North Caucasus
This expert's view into the strategic instructions, strategies, leaders, and important assaults hooked up to Chechen and North Caucasus terrorists examines the network's operations in addition to the luck of Russia's counterterrorist responses.
This authoritative account lines the emergence of terrorism within the risky quarter of the North Caucasus from its origins within the early Nineties during the brand new. It offers a close exam of neighborhood and worldwide counterterrorism strategies—everything from army strength, to international relations, to politicization—providing useful perception into potent tools for battling terrorism the following and all over the world.
This candid paintings uncovers the roots of Russian terrorism and offers a historic evaluation of the stipulations that complicated terrorism and its unparalleled battle practices, together with radioactive assaults and suicide assaults by means of ladies. writer and local Russian speaker, Elena Pokalova, analyzes in demand terrorist teams similar to Islamic overseas Peacekeeping Brigade, Riyad us-Saliheyn Martyrs' Brigade, and designated goal Islamic Regiment, and divulges the neighborhood and worldwide impact of the Caucasus Emirate at the stream.
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Extra info for Being Soviet: Identity, Rumour, and Everyday Life under Stalin, 1939-53 (Oxford Historical Monographs)
Sample text
If rumouring was an act of resistance, then all Soviet citizens were resisters. The authors of HIP drew the same conclusion. 97 They concluded, on the basis that they had an unusually anti-Soviet sample, that their results underestimated the ubiquity of rumour as a means of transmitting information in the Soviet Union. The archival sources from the Stalin era also reveal a large number of what might be called 'loyal rumourers'. Rumours of invasion, price rises, or the abolition of the kolkhozy were often passed on by individuals who were depressed or frustrated by the information they transmitted.
K. Transchel and G. Bucher, Our Daily Bread: Socialist Distribution and the Art of Survival in Stalin's Russia, 1927–41 (Armonk, NY, 1999). xxxiv Being Soviet performance in that it was largely undertaken in relation to other Soviet citizens, rather than Soviet power. Performance often had a prescribed end: to obtain certain material or social ends that were dispensed by the government. When post-war Soviet musicians performed their sets in accordance with the dictates of government policy, they were 'performing' for the state.
Smith, 'The Soviet Farm Complex: Industrial Agriculture in a Socialist Context, 1945–65', PhD Diss. MIT (2006). 150 Dunham, In Stalin's Time. See also: J. E. Duskin, Stalinist Reconstruction and the Confirmation of a New Elite, 1945–53 (Basingstoke, 2001). 151 S. Fitzpatrick, 'Postwar Soviet Society: The "Return to Normalcy" 1945–53', in S. J. , The Impact of World War II on the Soviet Union (Totowa, 1985), 129–56; K. Boterbloem, Life and Death Under Stalin: Kalinin Province 1945–1953 (Montreal, 1999); Brooks, Thank You, Comrade Stalin!


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Bunny Hop
BY Sarah Comeau
On April 14th everyone hopped down to the Collierville Historic Town Square for the Bunny Hop. Atendees listened and danced to live music performed in the Gazebo, and visited the Easter Bunny! There was also face painting, balloon art, games, and crafts that took place at the family fun event presented by the Junior Auxiliary of Collierville in partnership with Main Street Collierville and the Town of Collierville.


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The Importance of Total Fitness
Comprising Mind, Body, and Soul
Any coach, manager, trainer or sporting mentor 'worth their salt' will know the importance of Total Fitness. Fitness of not only body and physical fitness, but also the matter of fitness of the mind and mental fitness.
All the value can be placed on for example, a bleep test, how quick can you sprint 100 yards, lung capacity, how much can you bench press - but is this the be all and end all of 'Total Fitness' for the sportsperson, and thus make the most of their natural sporting ability and developed practiced skills?
The answer, in the opinion of Chiron and many respected sporting and medical professionals including Chiron associates, is a resounding NO! To achieve as near to the optimum natural performance as possible in sport a sportsperson, must in necessity have total fitness, and by this we mean fit in body and fit in mind. The simplest example being that if like any other professional, if the person is not happy and contented with a situation how can they naturally perform?
There are many stories as to how mental exhaustion, depression, stress, pressure and off-field distracters can affect a sportspersons performance and subsequently their career, and potentially their long term health and life. Some may turn to social vices such as alcohol, partying, illegal activities, and drugs to name but a few. However the ultimate price may be paid with the loss of life as was the unfortunate case of German international goalkeeper Robert Enke, who sadly committed suicide in 2009 after battling acute depression.
What Chiron aim to do is support our professional sports clients as much as possible to attain as close to total fitness as possible. This may be through the primary fitness consultant in areas such as physiotherapy, fitness, nutrition and osteopathy, or the sometimes forgotten professional support such as complementary therapy, psychology, psychiatry, anger-management and counselling.
Support and advice is all important to attain 'Total Fitness', and Chiron make every effort to source and provide this support to our professional sports clients to help them achieve their goals, objectives and ultimately great sporting success.


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Thank you to Rochelle Wisoff-Fields for all her work and organization. You can visit her site and read through the other Flash Fiction Friday postings at:
For those who are new, Rochelle shares a photo prompt to which several #FridayFictioneers compose a 100-word flash of fiction. Come, the reading is about to begin.
Here's my contribution:
The Inheritance
The suit drove to the clearing off Marshall, the place where grandfather's house had stood for two centuries until it was consumed in a suspicious conflagration.
"Why are we here?" Micah's annoyance simmered as they exited the Suburban.
"For the reading of the inheritance statement, of course." The suit swayed heel to toe, his hands in his pockets, his lips peeled back exposing two perfect rows of bony nubs.
"There's nothing here but an empty lot and bad memories."
"Hold out your hand, Micah." The suit pressed a skeleton key into Micah's palm. Suddenly, three doors arose from the earth.


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The Hawke honeycomb sunshades are a fraction of the length of regular sunshades, only 9mm deep, offering a lightweight alternative. The other key advantage is they stop any reflections from the objective lens reaching the game, making the scope more covert in a hunting situation.
*Compatible with 2015 collection onwards. Please note, honeycomb sunshades are not compatible with pre-2019 Frontier riflescopes. Hawke metal flip-up covers cannot be installed on honeycomb sunshades.
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I've made it no secret that I find Indiana the most boring state to travel through. I thank my facebook friends for humoring me through it yesterday. ( I can do that on my cell phone) You can follow along too, if you'd like via Twitter on my sidebar. The kids, on the other hand, had a great time playing their Gameboys. We keep them in the bus and the rule is that they only come out while the bus is moving.
It was rainy and dreary but that enabled us to find the leak in our windshield that was causing our instrument panel to cut out!
We stuffed rags around the leak and caught the drips before they could do more damage. Eventually the wires dried and the speedometer started working again.
After Indianapolis (and a nap for me) things started to look a little better. Green grass, budding trees... dare I say, it was pleasant!
At fuel stop the boys ran around outside and picked me some flowers. They also asked if I would pay for these.
Kentucky and Tennessee passed by without incident and as we reached the Alabama border my fatigue was getting the better of me. 100 more miles I kept telling myself... I just wanted to lay down and go to sleep!
Birmingham arrival: 9:30pm
Miles traveled: 610
MPG: 9 (!) Best yet!
Internet: Paid for 24 hour of WiFi
275 Miles to go!
Cya there!


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Jamie M's Scratch Game
07/08/2014 5:59am
Well done! I like your game because all the obstacles are so close together! I also like the character and the colours you have used! I think you can put some collectables in your game to make it even better. As well as, make your game harder by adding a speed!
07/08/2014 6:00am
I really like your game because in one of the levels is really hard I think you could improve by putting it faster every time you go on to a level
Comments are closed.


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13+ nebentätigkeit anmelden arbeitgeber muster
When you stick to a budget, it gives you the ability to achieve Your objective of devoting an incredible vacation or saving for a home or retirement. Just like you decide on a budget for spending, it's also a good idea to choose a budget for how much you want to save. As stated above, one tangible means to keep track of your financial plan and make financial aims is by way of writing it down. Now if the term budget seems dull (or terrifying), be aware it is a great deal simpler than you believe, especially with the correct tools. All budgets depend on understanding precisely how much money you have got to work with. It is perfect if you'd like to create a zero-based budget. When you haven't already, make sure to have a peek at her best hints on wedding budgets at which she takes you through the process of making your personal wedding budget step-by-step.
Occasionally budgets should be raised. A budget is a Vital tool in Making sure you're living within your means. It might help you too. Then with a little clean up, you have your budget. A personal budget may also aid you request a raise or trying to earn more income in your career. There are plenty of steps to take to make a prosperous personal budget.
Without an Appropriate paper or digital budget spreadsheet, it Will get impossible to express the way the finances work. In case it comes to handling your finances, obtaining a fantastic budget set up is crucial. To tell the truth, it's what I have always desired when it has to do with budgeting. Budgeting does not have to be an arduous endeavor, but on account of the energy of budget spreadsheets. In the exact same column that you've typed your income kinds, you must add types of expenditure like mortgage or rent payments, utility accounts, shopping, leisure, TV licence, savings and so forth.
You might Opt to break down your expenses even further, Between things you'll have to have and items you want. With only a little tweaking and thriftiness, you might be in a position to bring down your own expenses. Tracking your expenses is an extremely crucial step in receiving your budget match! Together with my budget template, you are wholly aware of your net income and net cash flow, that's the whole intention of this budget from the very first site.
The monthly budget template is really basic, but I nevertheless believe It is an effective tool. Simply picking the proper budget template is simply step one. Download our free event budget template to help you in getting started.
Even better, All of the templates are easily customized. Budgeting Spreadsheet templates aren't the ideal solution for everybody, but they're able to assist you better your finances provided that you are dedicated to having a budget and choose a template that's simple to operate with. Since everyone differs, there are tons of free excel spreadsheet templates to pick from as well as more automated alternatives also. If you are watching for a speedy and effective solution, you may download a completely free budget spreadsheet template to get you started afterward, it is possible to just fill in your numbers.
If you are going to Start employing a spreadsheet, enter the Custom of active budgeting and generate a system which ensures you are able to keep your numbers updated and precise. You will get an excel spreadsheet as well as a brief e-guide that will help you through how to utilize it! A budget is quite straightforward to create but in sequence in order for it to work, you have to supply it with all the ideal details.
The spreadsheet makes it possible to in placing some savings Goal also. To contemplate if budgeting spreadsheets are right for you, you will have to thoroughly consider the advantages and pitfalls of using them. Utilizing a budgeting recorder to receive organized and increase your finances might sound like a fantastic alternative to some people, while others might be apprehensive.
Remember there will be some hiccups and you might Need to Make Some alterations in route. When you visit the base of the the Google Sheets monthly budget , you will notice a tab for a different spreadsheet called Transactions. The very first sheet is Personal Budget sheet that records the facts of the full sources of revenue and the amount received through each source. The Dashboards sheet gets the comprehension of the budget simpler and easy with the aid of charts, graphs, etc.. Include jobs you did as a student only if they're related to your program. It is helpful to examine part-time and student resume examples to come across some ideas about what an excellent one contains. Many students think that employment background is not important, but it is at least as crucial as extracurricular pursuits. Most students would like to be entertained rather than taught. If you're a global student, you might have to describe your job status. When you are established at a language college you may realize that some students need extra courses in your home so make it known that you are available. You might be a new high school or college graduate, or you might be going into the workforce to the very first time.
Before you commence Composing your CV it's crucial to understand what your target employers desire to see in a candidate. A CV is a chance to promote yourself as a person somebody else would really like to use. A CV or resume is essential for every student for just about any job (make it a part-time job or the commencement of your career). Putting together the perfect CV might resemble an overwhelming job, but it is something that you can readily learn. Be ready for a small complaint because, after all, you desire the greatest possible CV.
There is nobody right means to compile a CV. A CV is a huge First step to obtaining work. Do not forget to look on the Covering Letters posts, so it's likely to back up your CV together with the best possible launch. The skills-based CV gives you the capacity to focus on the skills you've developed in a lot of areas of your lifetime. An excellent CV may be excellent way, prior to meeting, for one to demonstrate the employer you are suitable for your job. To attempt to maximise your odds of not being rejected at the very first hurdle, you will need to understand what makes an excellent CV, and you need to make yours better.
Our illustration CV will provide you with ideas and help you start. When you are considering how to compose a CV that wins one of the interviews you would like, you ought to consider each and every facet of your CV, especially the design and the true details you need to include. A academic CV differs from others as it must include things like segments that relate right to your research and other pertinent skills and experiences. Increasingly, the standard CV and interview have been abandoned as firms utilize new kinds of information aggregation to discover employees.
Determine the occupation that you want. Perhaps you are Looking for A summer job or internship, or perhaps a college or scholarship program requires you to add things like a resume. As a student it is unlikely that you'll have a great deal of expertise to write about, meaning your education section is vital to writing a fantastic CV. Composing a school leaver CV is a huge challenge, particularly when do not have some work experience, but each of the job commercials appear to be asking for experienced people. Obviously, the right experience ought to be presented . As you'll find, even in case you do not have any previous professional experiences, you are able to still draw your school experiences. If you're a recent college graduate volunteer experience is extremely relevant.
Match your skills to the organization or job you are applying for. Before you're able to locate the job that you want, you have to restrict your favorite business. No matter CV you will need to your job to get a student just comply with the aforementioned guidelines and market all the skills and knowledge you have. Finding a job may not be easy, however, armed with a level, you need to have a much better opportunity. Also state what type of jobs you're looking for and why you believe you would be good in it. For specific jobs it is strategic to spot your important. You must consider each job from the view of this employer.
You do not need to provide the actual details on your CV. The same As creating any specialist resume and especially true in a pupil CV, be sure your design layout is simple and effective. Simply set aside a bit of time (maybe bookmark it for later) and a few teabags by the end you are going to be taking a look at a prime instance of the best CV ever, with your name at the very top! There are a lot of special formats you are able to try in relation to CV layouts, but the two well-known types are reverse chronological and skills-based. Try to recall your CV should stick out from all of the hundreds of unique pupils that are applying for job vacancies thus put as far as possible to sell yourself. Letters are among the reliable ways of communicating previously and they're grouped into varied forms with distinct applications. Writing a resignation letter may be among the most difficult letters you're ever going to write. For that reason, it's important to attempt and remember a few things when you compose a resignation letter. If you are prepared to step, preparing a brief insightful resignation letter to your manager is your very first step to consider.
A resignation letter is among the most significant letters you Could write. It's as critical as the application letter for virtually any job. Writing an official resignation letter allows the company to understand that you're resigning from your role. Communicating to your boss by composing a formal resignation letter can prove to be helpful to your person.
Letter Has to Be made to meet the purpose it is Intended for, in spite of the kind. The letter will be submitted in your personnel file, to which you will not have access, Hurwitz explained. Be considerate and professionalyour letter must incorporate the principal reasons to about why you are leaving. Professionally written personal or company correspondence is an integral part of the achievement of a person or company, while the format, tone, and content of your letter are determined by the events surrounding it. A professionally written private or business letter will ensure quality and also a little professionalism.
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If you're contemplating quitting your job toohere are a few Suggestions that will allow you to say goodbye with fashion. Continue reading to find out about several sorts of letters which professional online letter writingservices can compose for you or your company. You worked there for only 3 weeks. Since you only get weekly. Also, you may be asked to take part in an exit interview prior to your departure. Therefore, if you would like to be an expert author, it is important to be able to write an expert letter. It is fantastic to be professional when resigning that is why a person requires having samples of these letters to comprehend what needs to be contained in the correspondence and the sort of phrases that are deemed professional.
Unfortunately, what works for running a little magazine does not Operate for running a country. Jobs will continue to get cut. If you are seriously interested in quitting your job, you ought to find out how to prepare your career and your own life for this. Leaving a job may be a trying experience. How you depart from your job is very important. So many job offers that you can manage to leave your present job. The employer should get your program which is the reason why saying the day you expect quitting is great on your resignation letter.
You ought to be more confident enough in your business to earn your Buddies come onboard. No company is going to do well or even endure if there is not any business letter writing in place. Every company asks for a specific amount of notice so they can provide a smooth transition of work. The organization was known as Shortstop Ltd.. Most companies have a yearly merit cycle, occasionally based on the calendar year, and at times based on the firm's fiscal calendar year. If you're searching for a stunning and great personal or business letter that will capture the interest of your reader, you need letter writing help. On the flip side, it is written just like that the client's complaint was known.
The only case She's able to attempt to make is that it is much Better than the option of leaving the EU with no deal whatsoever. My very first gripe, obviously, is too small coverage within the shop where client interfaces take quite some time. Even once you have a great deal of issues and complaints with the business, it is wise to keep to maintain your resignation letter favorable.
You never understand what letters You Might Need from your former Boss that is why it's great for one to leave their job with a superior reputation. The main reason behind My resignation is move to a different city. Contemplating the above Mentioned step is able to create your resignation letter persuasive in addition to professional. A Fantastic sample resignation letter would have a salutation to The specific person who you'll be supplied your resignation letter.


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5/12/2018 0 Comments
Rosemary recommends Renee as a birth doula and hypnobirthing teacher for parents in Central Scotland
Below is a testimonial from one of my recent clients Rosemary, from her Facebook feed:
"I would like to recommend Renee Elliott as a birth doula and hypnobirthing teacher and also mention the incredible contribution that a good doula has for any childbirth - as a doula is often an unknown or misunderstood part of the birth process.
My husband and I both come from a scientific/mathematical background, so our initial bias towards maternity care was that the 'doctors know best' as I expected that they would use an evidence-based approach at the center of their decision making. However the more that I have learned about maternity care, the more I discovered that much of it is based on little or no evidence.
I had never heard of a doula or the concept of a 'positive birth' until I happened to meet a doula before I gave birth to my first child. I realised that I had a lot of misconceptions about birth and I started obsessively reading articles and watching positive birth videos. I saw the pure joy and elation on the countless mum's faces when their baby was placed on their chest and I knew that I wanted to experience that too!
Although, I chose not to use a doula at that time because I thought I could use the learning I made to make informed decisions for myself. I greatly underestimated how difficult it is to go against hospital protocols especially when you are 9 months pregnant and a doctor tells you that your child is at risk!
Long story short, the birth of my daughter was a very fearful event. It started with an induction that I didn't really want and ended up with a c-section that quite probably could have been avoided. After the birth, both my husband and I were traumatised and my daughter had a very rocky start to breastfeeding, which put a lot of unnecessary stress on us during the early weeks/months of our daughter's life.
I decided then that the next time, I would have a doula and after becoming pregnant with baby #2, I met Renee. We got on straight away and I was impressed that she was a fully licensed hypnotherapist, as I had already decided that hypnobirthing would be a great option for both me and my husband. I also knew from my experience that I would not labour well in the labour ward and as a VBAC mum, any alternative to the labour ward would require a battle against the hospital's protocols. I could tell that Renee was just the sort person needed in my corner to get the kind of birth I wanted.
I am so glad that I chose Renee. She helped me negotiate a bespoke birth plan with my consultant (which hadn't been done before in Edinburgh) and helped me prepare for the birth with a 1-2-1 hypnobirthing course and being on-hand to provide support when needed.
The birth of my son was a completely different experience. I labored at home for 24 hours and then transferred to the hospital for the final few hours/delivery. Most people seem sympathetic towards me when they hear that I labored for so long, but honestly I really enjoyed the time at home. It was like a little party in my house where I was the guest of honour! During that time I was massaged, fed sandwiches, listened to music, sat in a warm pool... etc. And the hypnobirthing really did help. It made me relax and bond with my husband and baby during the birth. Even though the gas and air canister was their the whole time, I rarely felt the need to use it.
When I finally did transfer to the labour ward, I was advanced enough in my labor that the transfer didn't have a negative impact. My experience in the labour ward was very different to my previous experience. The midwives and doctors really went out of their way to give me as gentle a birth as possible.
A few hours later, I was able to complete my VBAC journey with only needing an episiotomy to make space for my large baby. I did choose to have an epidural so that I could rest before pushing (as at that point I had been awake for nearly 40 hours!!). Although, the epidural was not topped up, so I could still feel the urge to push myself.
The feeling of my son sliding out of my body and being placed on my chest was the single most incredible experience of my life! The start of my son's life has been so much more enjoyable and has helped give a sense of closure from my daughter's traumatic birth. Also, since my son wasn't groggy from morphine, starting breastfeeding has been so much easier and the initial checks confirm that my son is feeding well.
I honestly don't think I could have done it without the help and support of Renee. I wouldn't have thought to negotiate the birth plan that I had and I know that laboring at the hospital would not have been as productive for me. Also, the hypnobirthing course and practice was a big help and made the day so much more enjoyable.
I feel really thankful to have had a positive birth experience. A week on and I still think on the events of the day and smile to myself. I cannot thank Renee enough and would definitely recommend her to anyone looking for a positive birth experience."
#doula #hypnobirthing #mindandbodyscotland #vbac #reneemcbride #birth
13/9/2018 0 Comments
One day at a time…
I wondered how to share this message with all of you who will read it. I decided simply to tell it as it is and to give you an inside picture of my mind. That's right… an inside picture of your Hypnotherapist's and Doula's mind…
On Saturday past, I felt strong urge to go straight home after "The Gathering" in Edinburgh. It's a gathering of Hypnotherapists from all over the UK and one who flew in from Spain to present a technique. It was a fantastic day and having been invited to join some colleagues from the south of England for a drink I thought 'Why Not?' ...immediately I said yes, then I became uncomfortable with my decision. I could not work out why ? Great day, great people, lots of laughter and learning. Why did I get that gut feeling that I had to go straight home to be with my husband?
I didn't even stay to find the lovely woman and explain, I simply left A.S.A.P. I had to get home pronto…
On arriving home around 7pm, I found a poorly man, with a full-on headache, hot, flushed face. By 9pm he was staggering on his way up the stairs to bed. Through the night he refused to allow me to call the NHS (in hindsight I should have done so). By 10pm he thought we were on holiday and was confused, and I will spare you and him the rest of the gory details of that night. Suffice to say that it took a visit the next lunch time from a friend before he agreed to medical care.
His Blood Pressure was 80/54 and his pee was bright orange.
So, it has been a roller coaster ride since Saturday . Though I'm happy to say he is on the mend, big leaps forwards every day.
Antibiotics are my biggest friend right now, the truly save lives for some folks, do they not?
A brush with the fine line between life and death has taught me much.
How did I Cope?
It is indeed a wise thing to have coping mechanisms, when all else fails.
That old adage: 'Take a Day at a Time'. I didn't allow myself to get too far ahead, after all I can only guess at the future, can I not? None of us really see the future, we imagine it though and if our imagination runs riot we get carried away… beginning with our fertile imaginations making up all sorts of outcomes, good or bad. So I knew to live it an hour, a day at a time. Have you ever thought on this…? When something happens which we don't like, scares us, etc. and you say HOW MANY MORE TIMES must I / we go through this…the best response may be JUST ONE MORE TIME, you can do ONE MORE TIME, can you not? Just one more hour, day, week? Just one more time.
I trusted the doctors. The doctor in St Johns Hospital in Livingston, the doctor in Broxburn and I trusted the process that was happening inside his body when he was given antibiotics.
I was inquisitive, I questioned everything that I thought of, that was said, I wanted to learn, to know, what to do.
I knew it would pass, perhaps slowly, perhaps painfully, but it would pass, just like when I used to have a phobia of driving, flying and dying, yup I had all three at various stages in my life, can you imagine that?
I reached out to both friends and family. My own family and my husband's family, I found supporting them and them supporting me was the best ever feeling. Talking to others helps at times.
It's a good time to let bygones BE bygones too. Forgiving others frees up space within me, resenting festers inside and takes up too much time. Its Autumn, is it not? The time when leaves fall, the time when we prune our shrubs? So, sometimes it means we need to do an internal pruning too, and sometimes we need to prune our contacts, so I did some personal pruning and felt easier, stronger, more able to cope.
I counted my blessings, I named them one by one. 1005 days since we first met, 1005 days of laughter and companionship.
When my inner Chimp became restless and started screaming, I started breathing, breathing in slowly and out even slower, it calmed my troubled mind, actually I used the breathing exercises that I teach my Doula Mums and that I teach in Hypnobirthing / Antenatal classes. It soothed my anxiety, calmed my soul. Worrying about the situation would not change it, dealing with it, doing what I could do and staying positive would help, and it did.
So, where am I at now?
In a place of being, calm, confident and in control… I have become contented that all is being done that can be done.
I know that Life is uncertain, there are no guarantees…
I know that Life is too short to hold grudges.
I know we can all choose how to be with others and in certain situations.
I can be as prepared as I can for life's uncertainties so that I can get on with the business of appreciating and enjoying every day as it comes.
I leave you with the insight that I wasn't always so able to cope with adversity, I learned to cope. If any of you reading this wish to deal with any fears or phobias or general anxiety that is making your life more stressed than it needs to be; if you wish to become calm, confident and in control; if you wish to be supported in change, changing perspective, changing behaviours, then contact me and let's have a chat.
And finally…Today and all your tomorrows
Laugh when you can, apologize when you should, and let go of what you can't change, forgive quickly, take chances, give everything, and HAVE NO REGRETS, LIFE IS TOO SHORT to be anything but HAPPY !
PS. Trust your gut instinct. I was needed at home...
20/6/2018 0 Comments
Midsummer Solstice coming up!
This month just gets better and better. As I say to ALL my hypnosis clients…repeat after me: "Every Day in EVERY WAY, I AM getting better and better". So, EVERY DAY for the next 10 Days say this x 10 daily and see for yourself...say it like you mean it, emphasis on the I AM. It makes little difference whether you want to change bad habits into good ones; stop self-sabotaging eating patterns; gain more confidence; or reduce anxiety this short mantra will help you in your efforts to get more out of life..
As we run up to the longest day in the year, I feel my energy levels rising. Can YOU?
After a busy week last week, I enjoyed a very green and relaxed drive down to the Borders on Sunday to visit the next mum-in-waiting. I saw cute villages on the way: Pathead, Dalkeith, St Boswells, Jedburgh, Melrose, Hawick and Galashiels all basking in the sun and roadsides blooming with Dog Rose and Hawthorn, fields full of buttercups and horses and sheep enjoying the early summer weather.
A treat of four beautiful Cocker Spaniels were a extra pleasure during my visit.
Today I spent most of the day trawling through N.I.C.E. Guidelines on Maternity Care during Labour and Birth, the Midwifery and Nursing Council Code and www.homebirth.org.uk all in preparation for a midwife appointment with a client later this week.
Tomorrow brings a farewell - a funeral for a friend - and it reminds me tearfully of a song from Les Miserables (Empty Chairs at Empty Tables) and the work I have done with clients on grief and loss. I have helped people cope with the loss of family and friends, relationships and sometimes I have worked with mums on fertility and coping with pregnancy loss.
This morning I had a wonderful reflexology session and came home feeling like a new me!
Later this week I have a couple of Doula appointments; a great friend is coming in for hypnotherapy to alleviate her fear of flying, just before her holiday and I am helping with driving and exam anxiety. Then I am off to Kilmarnock and Beith to run a hypnobirthing course at the weekend.
Perhaps when I get back from Hawick on Thursday I will drive to the Bathgate Hills and climb Cairnpapple to watch the sunset on Midsummers Day and give thanks for my many blessings... anyone care to join me? Renee
14/6/2018 0 Comments
Madness! - a week in the life of Renee, the Birth and Postnatal Doula, Hypnobirthing Instructor and Hypnotherapist
Hello peeps, today I am in warm Glasgow sitting outside drinking frothy coffee and appreciating the opportunity of being 'On Call' for a west of Scotland family. Glasgow, like everywhere else, is beautiful in the sun and the people smile more while the sun shines; and because they are not all encased in winter coats and hidden under umbrellas, I people watched. In about 30 minutes, I am sure I saw many from the Far East, the Middle East, Europe, America and South America. Aren't humans colourful! Every single one beautiful by their own measure, every one of them different from all others, yet still all the same species, different religions, values, shapes and sizes, all ages, ALL together in Glasgow city centre. There was music playing. John Lennon. IMAGINE. I was moved by the beauty, the gathering, the vision of John Lennon.
I found myself wondering how different the scene before me would have been 60 years ago when mum and dad took me into Glasgow shopping. I wondered about how much we gave become hybrid humans, eclectic mixes of genes as I watched couples holding hands and pushing prams, or travel systems as they are now known as!
I marvel at it all, then as a Clinical Hypnotherapist I begin wondering how happy, or contented each one may be, or not.. I like John Lennon want the world to be a more contented place, a happy space for the human race. I count my blessings, 62 years young and well enough to work, to travel around Scotland working and people watching, meeting you, all you amazingly wonderful people.
This week has been such a crazy mix of working fun! Here is what's been going on...
Sunday: meeting a Doula family, a bit of extra bonding and birth plan chat in Glasgow and birthday shopping for an anxious ex agoraphobia hypnotherapy client who has become a family friend and superb dog sitter1 ...Followed by a bit of comedy at the S.S.E.C....home at 11.30pm
Monday: a Doula client has teeny premature baby at 1am in Simpson's Maternity Hospital, Edinburgh... later that day I have a Reiki and hypnosis session with a client who lives with cancer - pain relief and confidence boosting is on the menu. Followed by a visit to mum and premature baby...then a drive to Ayrshire to Crosshouse Maternity Unit near Irvine, well actually it's almost in Kilmarnock as a mum settles into her in patient room ready for the labour and birth of her baby...home at 11.15pm
What day is it? Ah Tuesday! It starts off gently with a visit to new teeny baby and mum at Edinburgh Simpson's and preparing tea at 5pm, then JOY! A call comes in and I am off to Kilmarnock, last night a strong, empowered mum gave birth to a beautiful baby, his dad by her side. Words cannot convey how blessed I am to witness this...home at 1.00am this morning.
Wednesday: catch up time, house like midden, slow cooker on, Doula bags unpacked for now!
Reiki client at high noon; birthday girl arriving soon; catch up on supervision calls with new Doulas tonight; hypnotherapy for insomnia at 6.30pm (if I am still awake); pregnancy massage booked for Thursday night; hypnobirthing books to post to Skye, Falkirk and Irvine; a birthday party for a fantastic three year old diva on Saturday, followed by hypnosis for work performance and on Sunday, an other trip to teeny baby's mum and a drive to Melrose in the Borders to catch up with the next mum-in waiting.
Speak soon. Renee
This morning I wakened early to the sound of birdsong in Beith, Ayrshire. I am so grateful for my health and strength that enables me to tour Scotland while working and visiting family.
This year I am blessed as both a Doula and a Hypnobirthing Teacher in that I have work in Kilmarnock, Irvine, Arran, Falkirk, Livingston, Fife (Kinross), Melrose in the Borders, Glasgow, Portree on the Isle of Skye, and I can't wait to hear from more parents wherever they are! No doubt the joy is greater due to the beautiful sunshine this spring and early summer however there is always sunshine in my heart when I start out on a journey.
My joy is in being of service to you in your journey through pregnancy, birth and early parenthood. Supporting you to be your best, helping you to learn skills like relaxation, breathing, massage and how to make fully informed decisions that are self-supporting in you being and remaining calm, comfortable, confident and in control of your own transition journey into parenthood is my goal. So, forgive me if I bleat on about how rewarding it is, how much it means to me to be a part of your life, I really can't help myself.
Yours gratefully....from an addicted to birth doula. BTW Hypnotherapy Rocks too! Renee x
Advanced Clinical Hypnotherapy | BWRT | Hypnobirthing | Birth Doula | Postnatal Doula | The Use of Hypnosis in Childbirth
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