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Giving up on the dream house
For as long as I can remember I've dreamt of living in the countryside, in an old farmhouse or cosy cottage, with land enough for chickens, ducks and maybe some goat. A vegetable patch at the bottom of the garden and a country pub just a short walk away. Basically I want to live in Kate Winslet's house in The Holiday.
I grew up in rural South Wales. We lived in an old farmhouse with an acre of land, stables (that Mum stored coal in), an old chicken coop that me and my sister used as a Wendy House and a big Aga in the kitchen. In my nostalgic memory it was idyllic and we had the perfect childhood. It's easy to forget that Mum used to shovel coal into the house everyday to keep it warm. That, as we grew up and wanted to participate in activities like Brownies and swimming club, Mum had to make the 15 mile round trip into town in a crappy old Fiat Panda. And when it snowed, or we had a heavy frost, the driveway up the hill to the main road was impassible. I had a mile walk to catch the school bus in the mornings and the reality is, my Mum must have been awfully lonely once it was just me, her and my sister. Still, this is the life I longed for. The life I longed for my future children to have. The alerts I'd set up on RightMove, along with an unrealistic budget, flooded into my inbox, but it soon became clear that this wasn't a lifestyle we could afford. Turns out, Norfolk is a lot more expensive than South West Wales.
I blame my unrealistic expectations on a mix of childhood nostalgia and Instagram. Some of my favourite accounts to follow are those of women who live in the dream idyllic country cottages. They have chickens and ducks and live the simple life I think I long for. They have Agas, log fires and exposed beams. I have to remind myself that I don't know the circumstances behind their way of life and I generally only see the good bits. I don't get to see their salary slips, they're mortgage balances, their clapped out Fiat Pandas. All I know is, I was longing for a life that we simply cannot afford. And perhaps, when I consider the realities this lifestyle would throw at us, one I wouldn't have enjoyed quite as much as I think I would.
All this to say, our new house was built in the 70s. We now live closer to Norwich, on a fairly busy main road, and it needs completely modernising. There's no room for chickens and it has no chimney, so a woodburner is looking unlikely. It does however have a floral toilet, which if we decide not to keep, I've got a whole host of interested folk on Instagram eyeing it up. But the house was within our price range and essentially a blank canvas that, over time, we can make completely us. The garden is bigger, has a pond, and I may not have room for a vegetable patch but across the road from us are allotments. We're within walking distance of one of Norwich's beautiful parks. I can still pop into the city on a Saturday morning for breakfast with my friends. The house is big enough for us to grow into and I don't feel I had to make any sacrifices in life to make the move work. I've also come around to the thinking that our children won't be left wanting simply because they don't live in the middle of nowhere.
I'm slowly encouraging birds back into the garden, I'm not sure the old folks that lived here fed them. I'm making plans for the flower beds and need to get myself on the allotment waiting list. The little study room is getting a makeover first, as the very old carpet stank of cat piss. And eventually we'll knock the wall down between the kitchen and the dining room to make it into one big kitchen diner. Something that was top of my 'what do we want from our new house?' list. I plan to share progress here on the blog. I'm actually really excited to start blogging again properly. If you would like to see the full house tour it's over in my Instagram story highlights.
And talking of Instagram, I still follow all the country cottage accounts that I love, but I'm also in the market for modern home renovation accounts and have found a couple that I really enjoy. Are there any that you recommend? Feel free to recommend chicken accounts too, I live vicariously through them.
The Bookcast Club // Episode 13
Welcome to episode 13, our first episode of 2019. Alice and I chat about reading slumps, current and recent reads and the books we're looking forward to in 2019. We're also looking for recommendations on a group read for April. A book you think we would both enjoy, or at least you would enjoy hearing us talk about, something readily available and not in hardback only. If you have any questions or ideas for future episodes please contact us on Twitter @bookcastclub or by email.
Support The Bookcast Club
If you would like to support The Bookcast Club, please visit my Patreon page to find out more.
Books mentioned in this episode:
I'll be Gone in the Dark - Michelle McNamara
Manhunt - Colin Sutton
Educated - Tara Westover
Spool of Blue Thread - Anne Tyler
Midnight Chicken and Other Recipes Worth Living For - Ella Risbridger
The Christmas Chronicles - Nigel Slater
Wedding Toast I'll Never Give - Ada Calhoun
Melmoth - Sarah Perry
Shirley Jackson: A Rather Haunted Life - Ruth Franklin
Live Green: 52 Steps for a More Sustainable Life - Jen Chillingsworth
Cruedo - Olivia Laing
The Water Cure - Sophie Mackintosh
Milkman - Anna Burns
Normal People - Sally Rooney
Circe - Madeleine Miller
Becoming - Michelle Obama
Links mentioned in this episode:
Wendy Cope - poetry collections
Brian Bilston - InstaPoet
Captain Fantastic - film with Viggo Mortensen
Sentimental Garbage - podcast
Modern Love - New York Times column
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text: With the Superbowl coming this weekend this is welcome news for Steelers Fans. The Android Market now has a custom "Terrible Towel" app for Pittsburgh Steelers fans. The app gives you a digital Terrible Towel image on their mobile device. It also provides real-time Steelers news, 2010 highlights and past Super Bowl rings display, and live updates and tweets from various Steelers' players. The developer of the app had this to say, It's probably also not a good idea to lay on it or try and drape it around your girlfriend. It does require the Adobe Air plugin, so be sure to downlaod that before paying the $0.99 cents for the app. Enjoy! Source: Android.net via AndroidCentral

subset: commoncrawl


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Do you ever look at your paycheck? Statistics say that not a lot of Americans do in detail. Most people just look at the dollar amount and put it in the bank or cash it (or, because more and more of us receive Direct Deposit, just look at the amount and toss it aside). If you ever were, there are some interesting things being taken out. Have you ever wondered what that $15 that is taken out for Social Security is actually used for? I did, and now I'm going to share with you how the whole thing works.
Social Security was put into place by Franklin Roosevelt as part of the New Deal in 1935. The elderly and disabled had been taken care of by their families financially until this was put into place. Roosevelt made it clear that he wanted people to be taken care monetarily of during times of their lives that could be otherwise stressful (old age, becoming disabled, losing a spouse or parent).
The numbers I'm using are prior to the Social Security Cut that President Obama is initiating in 2011, which I'll talk about at the end of this article. Basically, for every dollar you paid in Social Security (until 2011)…
- 69 cents goes to a trust fund for retirees and their families
- 19 cents goes to a trust fund for Medicare
- 12 cents goes to a trust fund for people with disabilities.
Only about a penny of every dollar is for administrative costs. But, the government can dip into those trusts and borrow money in order to pay the above benefits, especially when those benefits cost more than what is projected. In summer of 2010, Social Security said that it had a $2.5 trillion dollar trust fund (truth was, the government just owes Social Security a lot of money).
Here's a breakdown of how Social Security Benefits work:
In short, the number of years that you work give you what are called "credits." As of 2011, you get one credit for every $1,120 you make, and you can get up to 4 credits a year.
For retired persons: The "normal retirement age" varies by your birth year. If you were born before 1938, normal retirement is 65. It increases in 2 month increments until those who were born in 1943, where it changes to 66 and stays there until the birth year of 1955. If you were born in 1960 or later, retirement age now changes to 67. You can get reduced benefits at age 62. You can also delay retirement until age 70 and get increased benefits. In order to get retirement benefits, you need the equivalent of 10 years of work (40 credits).
For disabled persons: Long story short, filing for disability is difficult. The severity of the disability, whether it's temporary or permanent, and how long you get benefits for is based upon applications and physicals. These following numbers are if you become disabled as an adult (different rules apply if you were born disabled):
-If you are 24 or younger, you need 1 ½ years of work (6 credits).
-If you are 24-30 you need credits for half the time between age 21 and when you were disabled. (If you're 26, you need 2.5 years or 10 credits)
- 31 or older, you need at least 20 credits in 10 years immediately before you became disabled. The Social Security Administration has a table on this at http://ssa.gov/pubs/10072.html.
For widows/widowers and their children: Called "survivor's benefits, they are as follows:
- Widow/widower- full benefits at retirement age, reduced at age 60, if they're disabled it can be as early as 50, and at any age if they're taking care of a child that's 16 or under or disabled.
- Divorced spouses (this is a big, long, complicated thing that I won't get into here)
- Unmarried children under 18 unless they're still in high school until age 19. Stepchildren, grandchildren, and adopted children may be included in some cases.
- Dependent parents over age 62.
As with everything, there are exceptions and most times it's best to get a lawyer if you are in a unique situation.
There has been a lot of concern about Social Security, which has lead into debates about privatization and reform that I won't get into in this article. It has been estimated that many of today's workers won't be able to get Social Security because the program is simply going to run out of money. President Obama and Congress have recently implemented a tax cut that furthers this concern; the Social Security tax will be cut by approximately 1/3. That's a lot, especially for a program that is suffering. What does this mean for the future of Social Security? No one really knows, but I think everyone agrees that reform needs to happen or the program will go belly up.


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Killing for Love Trailer (2017)
Trailer for the documentary Killing for Love.
March 30, 1985: Derek and Nancy Haysom are discovered brutally murdered at their home in Lynchburg, Virginia. The subsequent arrest and conviction of the couple's daughter Elizabeth, a wealthy scholarship student at the University of Virginia, and her boyfriend Jens Soering, the brilliant son of a German diplomat, set off a media frenzy, becoming the first trial of its kind to be nationally televised. But what if the justice system got it all wrong? This gripping true crime tale untangles the web of romantic obsession and betrayal that may have led an innocent man to make the ultimate sacrifice for love: take the fall for a murder he didn't commit. Featuring the voices of Daniel Brühl and Imogen Poots.
2 min 4 sec
Posted On
November 29, 2017
Karin Steinberger
Unknown or Not Available
IFC Films
December 15, 2017
Unknown or Not Available
No Music Available


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D Griff Gallery
Off The Beaten Track Ynys Y Fydlyn Anglesey
Off The Beaten Track Ynys Y Fydlyn Anglesey - This is a landscape photography location which I have visited a couple of times before, but since it has so many subjects of interest to the photographer, it easily bears regular visits.
Ynys y Fydlyn is on the north-west tip of Anglesey and not easy to locate. Parking is some distance away, so a short hike is required. This means that there are often no others about and the scenery and solitude make it one of my favourite locations for a day out.
The weather and light was very good for coastal photography, but the the was a very stiff wind making long exposures quite difficult.
This time I'm joined by a fellow landscape vlogger, Jason Jones. Jason is well known for is excellent coverage of Snowdonia and the surrounding areas, and even though we have been in touch many times in the past this is our first outing together.
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I remember the day I decided to save myself for marriage. I was 11 and my health class had just started a segment about STDs.
I was absolutely terrified.
At that age, I hadn't yet developed my own relationship with God to understand the biblical necessity of my commitment. But fear was a good starting point. No marriage = no sex. So simple even a 6th grader could do it.
But then it got confusing.
I was in college when I first heard about purity rings, bands of silver or gold wrapped around the ring finger as a physical reminder of a promise to abstinence. Then, while hanging with some sorority sisters, I watched as they threaded colorful plastic pellets to create purity beads, cords long enough to tie around their waists. Only on their wedding night would the cord be cut by their husband.
During late night conversations in our dorm, as my friends planned to not kiss or hold hands with any guy until their wedding day, I listened with a growing sense of spiritual insecurity.
I know I'm not having sex until I get married but now I can't even hold hands? I had no jewelry to signify my commitment to God. And I hadn't even kissed a guy yet. But I wasn't so sure I wanted to wait until my wedding day to do so. Does that mean I'm not a good Christian?
As I grew in Christ and with age, it became clear to me that, aside from abstaining from premarital sex, physical boundaries are not one size fits all. Some couples can peck affectionately without conviction. Others feel led to steer clear of all physical touch. And both can work, as long as the couple is seeking to honor God.
When I met my husband, I was not quite 30, far removed from the health class horror but still firm in my commitment to the Lord. We talked openly about our convictions and established what would be our boundaries. As our relationship progressed and we became acutely aware of, ahem, this thing called desire, we talked, prayed, and redrew our lines together.
If you haven't thought about your physical boundaries yet, do so. Write them down and pray about them. As long as your boundaries fit and create a continuous path to God, you're on the right track.
Hi, there! My name is Jennifer. I'm 32 and live in the D.C. area. I love Jesus, R & B music, and sugar in all its forms :-). In June 2016, I married my amazing husband, Calvin. I was completely single and waiting throughout my entire twenties. So I know the prayers, fears, and tears that come with prolonged singleness very well. I am excited to share my story and encourage single women who are waiting for God's best!


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Buying your first home
Want to buy your first home and don't know where to start? Here's some tips to help Buying a home can be exciting and create a lot of anxiety all at ...Read More
Want to buy your first home and don't know where to start? Here's some tips to help Buying a home can be exciting and create a lot of anxiety all at ...Read More
What Everyone Should Know Before Hiring a Listing Agent Your relationship with a listing agent is going to last for at least a couple of months, if ...Read More
This 250,000-pound steam shovel welcomes visitors to the Frontier Heritage State Park in Cedar City, UT, a relic symbolic of Iron ...Read More
bySam Dodd If you've been bitten by the home ownership bug, congratulations! Owning a piece of Cedar City real estate is a worthy ...Read More
Proven Ways to Increase the Resale Value of Your Home When it comes to selling your home, and getting a good price for it, little things mean a lot. ...Read More
bySam Dodd I love the Crystal Springs hike because it is peaceful, somewhat isolated and safe for children and leashed pets (I'll let you ...Read More
How to prepare for a Home Mortgage Loan It's important to know what you're getting into before securing a home mortgage. Here are a few ...Read More
Spring Creek is a day hike — roughly 6-miles total that takes about two hours. Navigation iseasy. Spring Creek in not quite a slot canyon but ...Read More
Cedar City's housing market can be fickle! You know what? Any housing market can; but, for now, sellers continue to enjoy a market advantage ...Read More
Cedar Breaks National Monument Whether you want to enjoy guided nature walks in the summer and fall, wildlife, picnics or just take in the beautiful ...Read More
Cedar City Home to SUCCESSful Education Cedar City student, Jaydon, shops for last-minute schoolsupplies on the eve of the first day of school ...Read More
Cedar City in Iron County, Utah is an amazing place to visit but an even better place to live. The area offers a variety of activities from ...Read More
If you have any questions about the market or if there is anything I can do for you please let me know. We are working hard to make ...Read More


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What's Included?
So how does Partner with a Pro work? Simply put, you get a property under contract, partner with a professional from our database of thousands of real estate investors nationwide and sell it to one for a profit. It then gives the investor the opportunity to rehab the property and resell it.
Wholesaling Real Estate Package Includes
- Wholesale 101 ($400.00 Value) Everything you need to know about wholesale flipping (56 minutes).
- Tier III: Advanced Finding Strategies Finding Properties 101 ($200.00 Value) – More than 30 professional, expert and advanced finding strategies.
- Talking with Sellers ($200.00 Value) – What to say and what not to say to close the deal.
- All About Buyers ($200.00 Value) – Where to find motivated buyers and how to get them interested in buying your property.
- Structuring the Deal ($200.00 Value) – How to structure the deal and close contracts to maximize your profit and minimize any risk.
- Automated Property Value Analysis Worksheet ($74.95 Value) – This calculates the real value of your property. This worksheet will give you an objective reality check and help you avoid overestimating property values and making potentially costly mistakes.
- Simple Assignment of Contract QuickFIL Form + VIDEO ($49.95 Value) –This contract covers all of your bases and gets you in and out in a flash.
- Buyer Purchase Contract + VIDEO ($19.95 Value) – This helps you know which contracts to use on the buy and sell side of things. This is exclusively for you as the buyer.
- Seller Purchase Contract + VIDEO ($19.95 Value) – This purchase contract is optimized to favor you as the seller.
- Seller Statement of Understanding ($29.95 Value) – This protects you from all of the shady occurrences that can happen in a deal and give you peace of mind.
- Meeting with the Seller Outline + VIDEO ($34.95 Value) – When you're meeting with the seller, it's all about what you say. This outlines exactly what to do to close the deal.
- Professional Loan Officer Closing Service ($400.00 Value) – Getting wholesale deals to close can be tricky. We could teach you how to do it, but wouldn't it be nice if someone did it for you? You will have access to one of our experienced loan officers, who will do whatever it takes to close the deal, whether it's a simultaneous close, flash cash or an assignment. We can make it happen without a hitch while you sit back, relax and watch the profits come in.
- Professional Buyers List ($500.00 Value)– This list has tens of thousands of professional real estate investors across the country. You find us a deal, we'll find you a buyer.
Partner Up
Fix and flips aren't for everyone. Luckily for you, we've developed a proven proprietary step-by-step comprehensive turn-key fool-proof system that can teach anyone to become a wholesaling pro. For those who choose to avoid five months of rehabbing a run-down house, managing general contractors and dealing with a thousand other details, we provide a tempting alternative – Partner-with-a-Pro. Here's how it works:
Find a PropertyFind a property and get it under contract.
Team Up with a ProfessionalPartner with one of our professionals from our database of thousands of professional real estate investors nationwide and sell the property to them for a profit.
They Rehab & ResellYour partner will rehab and resell the property for you.
The Partner with a Pro System gave me an entire new approach on how to find the most profitable properties in my area.
Wholesaling Real Estate For Beginners – Partner With A Pro Eligible States
DoHardMoney lends for fix and flips in the following states, so these properties in these states are eligible for our buyer's list.


text: << Friday 10 December, 2004This page was originally published on Saturday 11 December, 2004.Browse our archives: 12345678910111213141516171819202122232425262728293031JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember200320042005200620072008200920102011201220132014201520162017201820192020Sunday 12 December, 2004 >>Click here to read today's edition! >> World Sports Women Search the World News Network Any Language Afrikaans Czech Danish Dutch English Finnish French German Hausa Hungarian Indonesian Italian Malay Norwegian Polish Portuguese Romanian Slovak Spanish Swahili Swedish Tagalog Turkish Advanced Search ASIA MIDEAST AFRICA S. AMERICA AUSTRALIA N. AMERICA Archive Feedback Site Map WN RELATED Cairo Sport Congo Sport Czech Sport Kenya Sport Pennsylvania Sport Roma Sport Singapore Sport Sport China Sydney Sport Thailand Sport Headlines News Archive Weather Photos Slideshow MOTOR SPORTS Formula 1 Motor Racing WINTER SPORTS Hockey Post Skiing WATER SPORTS Diving Sailboats Swimming Surfing INDOOR Basketball Boxing Snooker Sumo Table Tennis Volleyball Wrestling OUTDOOR Baseball Climbing Cricket Cycling FIFA Football Golf Race Course Rugby Soccer Tennis OTHER SPORTS Athletics Eurosport SLC Sport Badminton Chess Sports Betting SECTORS Business Economy Politics Energy Sport Cities Populations Oil Photos Headlines Culture Broadcasts WN SERVICES Site Map WN by Email Feedback Advertising Sport About us World Photos Employment WN WORLD WN Asia WN Africa WN Australasia WN Caribbean WN Europe WN Mideast WN C. America WN N. America WN S. America WN Pacific World News Weather WN BUSINESS WN Business WN Industry WN Energy WN Economy WN Money BOOKMARK THIS PAGE! MAKE THIS PAGE YOUR HOMEPAGE! WN TOOLBAR! Rivals Challenge Adidas Over Its Stripes Wed, 1 Dec 2004 Business Olympics Photos Sports Largest available photo Article text available Rivals Challenge Adidas Over Its Stripes...The State Related Links Rivals Challenge Adidas Over Its Stripes Coaching by cell phone in Taipei Rivals challenge Adidas over its stripes Rivals challenge Adidas over its stripes Nike tackles Adidas at home Emotions run high as Nike targets Adidas Nike targets Adidas on European soccer fields Yue Yuen Industrial makes bold outlet expansion in China Washington's Robinson makes a little Magic Football industry's global marketplace Top Stories Henry in final shortlist for award | ZURICH: Barcelona's Ronaldinho, Andriy Shevchenko of AC Milan and Thierry Henry of Arsenal make up the three-man shortlist for the 2004 World Player of the Year award.&... (photo: WorldPhotos.com) The Star France London Photos Soccer Sports Annika vs. Tiger highlights Saturday's Skins Game at Trilogy Golf Club 1 | | LA QUINTA, Calif. (AP) - Annika Sorenstam is mixing it up with the men again, and this time the competition includes Tiger Woods. | Sorenstam and Woods will play ag... (photo: WorldPhotos.com) Canada Dot Com Golf Photos Sports USA Sorenstam takes shot at Skins Game | returns as the defending champion and the most successful player in Skins Game history. comes in as the most popular player in golf, and is the third man in the field b... (photo: WN) Detroit news Golf Photos Sports Sweden US Baseball Notebook: Red Sox sign Mirabelli Becomes first Boston free agent out of 16 to agree on contract | Tuesday, November 30, 2004 By The Associated Press | Catcher Doug Mirabelli became the first of Boston's ... (photo: WorldPhotos.com) Pittsburgh Post-Gazette Athletics Baseball Photos Sports Myskina leads Russia to triumph The Russians completed the year of their tennis revolution amid a surge of emotion that felt almost like national redemption. Three grand slam titles and seven players in... (photo: Lisa Blumenfeld/WorldPhotos.com) The Guardian France Photos Russia Sports Tennis Aerobics Belly Dancing Seen As a Path to Fitness Learning in the third - and fourth - ages Belly dancing seen as a hip alternative more Body Building , Calanetics Aids Day focuses on risks facing women Can we overcome our big obsession? Fat chance FIT Calendar more Fitness Free As A Bird Cold-weather workouts will require safety and fitness goal a FIT Calendar more Healthy Eating & Diets On World AIDS Day, Christian Groups Continue Ongoing Efforts Food-stamp system defended Program focuses on young girls' self esteem more Sunday Monday Tuesday Wednesday Thursday Friday Saturday Top | Languages | Jobs | News Archive | WN Links | WN Network | © 1997-2004 World News Network | Contact our Advertising team for Advertising and Sponsorship on WorldNews.com and WorldNews Network Sponsored Links


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Vaginal dryness
Don't want to lose your sex life? Do you want to enjoy intimate moments with your partner even after menopause? Do you want to feel fresh just like many years ago? Then read on! In this article you'll learn what vaginal dryness is, who is usually affected and what can be done about it.
Anyone can be affected after the menopause
Vaginal dryness is a problem for many women. But it usually comes after the menopause. The main reason for this is the deficit of estrogen, female sex hormone, which is responsible for natural lubrication during sexual intercourse. It is after the menopause when its levels gradually drop and vaginal mucosa becomes drier, less elastic and slowly becomes thin and atrophic.
What causes the estrogen deficiency?
It can be caused by different reasons. For example surgical removal of ovaries, antiestrogen therapy for endometriosis, chemotherapy and radiotherapy for tumours, imunosupression, lactation and delivery, cigarette smoking, allergy medication or flu. That's why practically every woman is at risk of vaginal dryness, no matter the age. You can be affected even when you're young.
Vaginal dryness even influences your sex life
Sometimes even experiencing more stress or emotional distress can come hand in hand with vaginal dryness. But without regard for the cause, vaginal dryness is very uncomfortable and a very traumatising experience for a woman.
Sexual intercourse becomes very painful and can lead to injury to the vaginal mucosa with subsequent itching and burning sensation. In more serious cases it can even lead to bleeding during intercourse. And no woman wants to experience that!
Don't be afraid to resolve your problem!
That's why you shouldn't hesitate to consult every unpleasant sensation you experience after sex. Contact your gynaecologist or a sexologist. First he must determine the cause of your problems because there can be more reasons why your estrogen is low.
Your gynaecologist should ask you when and how you discovered these problems and also ask about your medical history. He also performs a vaginal exam and then recommends appropriate therapy.
Are you interested in discreet consultation?
Vaginal dryness therapy
Topical substitution therapy which is applied directly into vagina is often a go-to treatment.
Total estrogen replacement therapy is another possibility. As with all other hormone therapies, it is associated with possible side effects, in this case vaginal bleeding or breast pain. New research also shows a possible connection between hormone therapy and a higher risk of heart disease. The risk is 2,4% higher for women on hormonal therapy compared to women without it.
Innovation in vaginal dryness therapy
Laser treatment Juliet presents absolutely unique approach to the treatment of your problems. The light stimulates regeneration of vaginal mucosa which then becomes elastic again. You'll notice better vaginal lubrication as a result of improved metabolism of vaginal tissues. And this all happens already after the 1st treatment. Women feel young again in their intimate area and can once again enjoy sexual intercourse to the fullest. This method is minimally invasive and without side-effects.
Don't hide your problems! You don't have to live with them! Vaginal dryness is nothing pleasant so don't get used to it and do the first step now!


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Counselling and Suicide Risk Assessment
"More people commit suicide each year than die in all the world's combined conflicts" (WHO, 2006, p. 1). This statement by the World Health Organisation was made seven years ago and yet suicide remains a huge issue within the UK. Just last year, it was reported that suicide rates in the UK have risen to 6,045, which is 437 more than the previous year (BBC, 2013). I am going to explore my potential reactions to suicidal clients and discuss some strategies and tools for risk assessment and management.
The WHO counselling handbook for reducing suicidal risk highlights the importance of counsellors conducting a comprehensive suicidal risk assessment for prompt and effective preventive measures (WHO, 2006). This assessment should include reviewing (WHO, 2008):
Suicidal risk factors;
History of prior suicidal behaviour;
The presence of a mental disorder;
The extent of the client's current suicidal manifestations;
Precipitating factors;
The presence of any protective or mitigating factors, such as social support.
One of the questions to ask clients during their initial assessment is, "Have you considered harming yourself? If yes, have you considered suicide?" It is also important to collect data on their history, social support, and the methods they are currently using to cope, in order to gain a broad picture of their life. This helps to get into their frame of reference, which is particularly important for meeting the client at relational depth during any thoughts of suicide.
If a client expresses that they have considered harming themselves, the current danger to the client needs to be explored. For example, if they feel suicidal, is it a fleeting thought or have they devised a plan, such as when, where, and how? I will also explore previous suicide attempts as, statistically, someone who has attempted to take their life in the past is more likely to attempt it again (Stoney, 2014).
It is likely that many clients will express previous suicidal thoughts. My own personal view is that suicidal thoughts or expressions are 'the language of despair' and therefore I am to expect suicidal ideation within the counselling room. It is not something to fear, but the client's way of communicating their distress, and therefore I need to respond in a way that helps a client feel heard. Panicking would not achieve this, but exploring the underlying feelings is more likely to do so.
There is a lot of judgment surrounding suicide. I would never want one of my clients to express the depths of their distress only to have my response make them feel judged. I would like my clients to know that suicidal ideation isn't something to be ashamed of and that it is ok to talk about these feelings. I feel this approach will allow me to 'hold' some of the clients pain (while recognising that it is theirs and not mine), so that we can look at the pain together, which might ease it enough for the client to feel supported and able to go on.
BBC (2013). 'UK suicide rate rises 'significantly' in 2011' BBC News [online]. Available at: <http://www.bbc.co.uk/news/uk-21141815> [Accessed February 2, 2014].
WHO (2006). 'Preventing suicide: A resource for counsellors', Available at: <http://whqlibdoc.who.int/publications/2006/9241594314_eng.pdf> [Accessed February 2, 2014].
WHO (2008). 'Preventing suicide: A resource for media professionals', Available at: <http://www.who.int/mental_health/prevention/suicide/resource_media.pdf> [Accessed February 2, 2014].
Stoney, G. (2014). Suicide – frequently asked questions. Available at: <http://www.survivorsofsuicide.com/faq_suicide.shtml> [Accessed February 2, 2014].
Categories: Counselling, Personal/Professional Development, Psychology


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Blueberry Corn Bread
Total TimePrep: 10 min. Bake: 30 min.
Makes9 servings
- 1-1/2 cups all-purpose flour
- 1/2 cup sugar
- 1/2 cup yellow cornmeal
- 1 tablespoon baking powder
- 1/2 teaspoon salt
- 2 large eggs
- 1-1/4 cups soy or 2% milk
- 1/3 cup canola oil
- 1 cup fresh or frozen blueberries
- Preheat oven to 350°. Grease an 8-in. square baking pan.
- Whisk together first five ingredients. In another bowl, whisk together eggs, milk and oil; add to dry ingredients, stirring just until moistened. Fold in blueberries. Transfer to prepared pan.
- Bake until a toothpick inserted in center comes out clean, 30-35 minutes. Cool on a wire rack. Serve warm or at room temperature.
Editor's NoteIf using frozen blueberries, use without thawing to avoid discoloring the batter.
Nutrition Facts1 piece: 264 calories, 10g fat (1g saturated fat), 41mg cholesterol, 325mg sodium, 38g carbohydrate (14g sugars, 1g fiber), 5g protein.
Recommended Video
Jun 30, 2018
Easy to make and easy directions to use. I am going to make this blueberry corn bread again.
Feb 25, 2018
Delicious! I was surprised how moist this corn bread was. I also sprinkled a little sugar on top before baking. Will definitely make again. Will try as muffins next time.
Jul 27, 2017
I hope this came up as 5 stars.. I made this for lunch today, my son has been begging for cornbread and on recommendation of a fellow field editor , we tried it.Moist, not too sweet and cake like.. I doubled the recipe, added a bit of vanilla extract and replaced some of the sugar with honey. Hubby even liked it and he doeant care for cornbread. My 8 year old had 4 huge pieces. Thanks!!!!
Jul 26, 2017
This corn bread was sweet and moist ...... like a vanilla cake with cornmeal in it! The blueberries added a nice fruity bite ..... I added a teaspoon of vanilla to the recipe and it was truly delicious. Next time I make this I want to add grated lemon rind. Will make this again, for sure!


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Please click here for the latest information regarding Benedictine University's response to the Coronavirus (COVID-19) outbreak.
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Aimee J. Allbritton, Ph.D. is Vice President of Organization Development and Chief Learning Officer at Memorial Health System in Springfield, Illinois. Allbritton began her career as an educator in Educational Resources at Memorial Medical Center in 2000. She went on to hold roles as Director of Educational Resources and System Director of Organization Learning and Development from 2002-2009 and System Administrator of Organization Development from 2009-2012, until expanding into her current role.
Allbritton is responsible for strategic leadership of a comprehensive infrastructure that ensures the workforce has the needed knowledge, skills and abilities to achieve the organization's desired outcomes. She is responsible for identifying, diagnosing and leading change among the health system's structures, behaviors and processes.
She is active in community affairs as a member of Illinois Women in Leadership and has served on the Strategic Planning Committee for Ronald McDonald House Charities of Central Illinois. She also volunteers at Memorial's Be Aware Women's Health Fair, Memorial Medical Center Foundation's Festival of Trees and is active in the education of pet therapy animals.
Allbritton is also active in healthcare and organizational associations including the American College of Healthcare Executives, the Association of Talent Development, the Organization Development Network, Benedictine University's Strategic Planning Advisory Council and the Steering Committee for the National Center for Healthcare Leadership. She is a Registered Organization Development Consultant, as well as having earned her Senior Professional in Human Resources accreditation.
Allbritton earned her Master's of Science degree in Management and Organizational Behavior as well as her Ph.D. in Organization Development from Benedictine University in Springfield. She has presented nationally and internationally as an expert on executive leadership transitions and has had her work published as well. She is currently working on a book for healthcare leaders to assist in executive leadership transitions.
Aimee and her husband, Chris, live in Springfield. She has two children, Micalister, a senior at University of Central Florida in Orlando; Caidin, a soldier in the United States Army; and two stepchildren, Andrew, a junior at the University of Illinois; and Carolyn, a junior in high school. They share their home with their two dogs, Sparkle and Sadie.


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Having a health issue can cause any Connecticut resident to feel frightened. An individual may feel a bit more calm after learning that a surgical procedure or other treatment could help address his or her condition. Unfortunately, this sense of calm may be short-lived after learning that more problems were created due to medical malpractice.
Car accidents: Children injured in New Haven incident
Parents often warn their children of the dangers of crossing the street. Of course, even with adult supervision and when precautions are taken, car accidents can still happen. Unfortunately, children are not immune to being victims of such incidents, and parents can be devastated to learn that their children have been injured in such events.
Information processing issues may point to medical malpractice
Most people hope to avoiding having to go to the emergency room for any reason. Unfortunately, medical emergencies can happen to anyone at any time, and receiving immediate medical attention may be the best course of action. While the best case scenario would involve a patient obtaining the correct diagnosis and treatment, medical malpractice could lead to much more dire outcomes.
Medical malpractice, fall leads to loved one's death
No one wants to lose a family member too soon. As a result, they may take them to the hospital when signs of a serious medical condition present themselves. While Connecticut residents may hold their breath as they wait for their loved one to get better, they may find themselves distraught to learn that medical malpractice contributed to their loved one's demise instead.
Medical malpractice leads to the loss of fetus
The loss of an unborn child can have a tremendous effect on anyone. When individuals believe that the loss occurred due to the negligence of hospital staff members, it can be an even more traumatic experience. Unfortunately, this type of scenario is not unheard of and can warrant medical malpractice claims in some cases.


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SIAMSA Tíre was proud to present its Level 3 Final Year pupils of the National Folk Theatre (NFT) Training Academy at their end of year graduation show on Tuesday.
This performance showcased what the students have learned over the previous three years at Siamsa Tíre in the disciplines of traditional Irish singing, the Munnix style of traditional Irish step dancing, drama and music.
This year the graduate group includes nine Level 3 Final Year pupils focusing on the principles of song, dance and drama with an additional six musicians focusing on traditional music.
Continued below…
The theme for each final year show is different reflecting the varied and diverse interpretations by the students.
When devising this year's show, 'Labhraí Loinnsigh', the pupils reviewed Folk storiesand discussed why they would like to work on this story.
The final year pupils worked together to finalise the theme and then helped to build a performance around this choosing music, songs and dance to compliment this theme.
This year's show was an adaptation of an Irish story about a King who lived in Ireland long ago. He always wore a cap and nobody really knew why. Labhraí had a secret – right underneath that old cap on his head, Labhraí Loinnsigh had horses ears. Cluasa chapaill a bhí air a dhuine uaisle.
"We are always very proud of our third year graduate students and have enjoyed working with them over the last three years. They have shown great commitment to the traditional arts and have been very creative in interpreting this Irish story for this year's show. It was a great evening's entertainment for family, friends and those interested in traditional Irish culture!", said Anne O'Donnell, Training & Development Officer, The National Folk Theatre of Ireland.
The National Folk Theatre Training Academy is aimed at young people from the age of 7 to 12. Auditions take place annually with the 2018/2019 auditions taking place on Friday 15th June from 6-8pm at Teach Siamsa na Carraige, Dingle and on Saturday 16th June from 10am – 2pm at Siamsa Tíre, Tralee.


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Tenant satisfaction matters. Happy tenants are more likely to renew their lease, recommend your property to their friends and not write poor reviews all over your website. In fact, satisfied tenants are three times more likely to renew their lease if they are satisfied with property management than if they are disappointed or apathetic.
In other words, a happy tenant is a loyal tenant. Happy and loyal tenants are much more likely to be lenient when it comes to broken appliances, paying rent on time and following all of the tenant rules and regulations. What this should tell you, is that keeping your tenants happy and satisfied with your property should be of the utmost importance. If tenant satisfaction isn't high on your list- then it needs to be.
Here are some easy and meaningful tips to increasing tenant satisfaction and securing their loyalty.
1. Use online technology to give tenants 24/7 service
Allowing tenants to be just one click away from help will help them feel heard and valued by your management team. Online rental portals such as Vertical Rent's Tenant Portal allows tenants to easily request maintenance, ask questions and quickly receive answers, and conveniently pay rent and fees. This portal allows tenants to feel connected to management while receiving quick solutions to their problems. This will make them feel heard and valued, therefore establishing a better relationship between them and your management.
2. Establish effective communication channels
Utilizing various communication mediums to reach different audiences will further relationships and cement tenant loyalty. Communicating with your tenants on multiple platforms can seem daunting, however, with programs such as VerticalRent Hub, communicating via text message and email is simple and effective. You should be utilizing as many communication channels as possible including:
- Social media
- Print (flyers, posters, etc.)
- Text message
By ensuring consistent and effective communication with your tenants, you are giving them outlets in which to air grievances, comments, and get their questions answered. Only 32% of tenants feel as if their landlord listens to them, so make sure that you are the exception! Giving them multiple outlets will ensure they feel appreciated and listened to.
3. Collect feedback
Use a survey to learn about your tenant's experience! By finding out what you're doing well (as well as what you're not doing so well at!) you can improve upon your tenant success strategy. Maximize your tenants' happiness by fixing their problems and continuing to do the things that make them happy. However, you will never know what these are unless you ask! Create a survey and send it to all of your tenants. Get better responses by incentivizing the survey through a gift card reward or free breakfast.
4. Create a customer service strategy
By making your customer service reps accessible, your tenants will feel important. Train your customer service reps to be empathetic, attentive and knowledgeable, so they can address tenants' issues and answer all of their questions. It can't be said enough, a tenant who feels heard, is a happy tenant! Your customer service reps represent the management, and it is essnetial that every tenant who calls in, has a good experience. 79% of high income tenants report being permanently affected by a negative customer service experience. Train your reps to think from a customer's perspective and be as helpful as possible, it will reflect well on you!
5. Offer online payments
Paying rent online is the present and the future. The "pay now" button makes your tenants lives so much easier by forgetting the checks, envelopes and stamps of the past. Online rent collection enhances the tenant experience by providing multiple payment options, reducing risk and instant payment. Tenants will struggle less with getting their rent paid in cash or by a check, and will make your life easier by paying on-time and with ease.
Making your tenants' satisfied should be a top priority. In order to do so, it is extremely important to make your tenants feel valued and heard. If you follow these tips, you'll have your tenants recommending you to all their friends and consistently renewing that lease year after year.
For information on tenant satisfaction, check out our blog on how to better communicate with tenants and increase their experience.
VerticalRent® is not a law firm, and the employees of VerticalRent® are not acting as your attorney. Our educational blog or landlord forms engine is not a substitute for the sound advice of a local attorney, whom is familiar with your local laws and regulations. VerticalRent® cannot provide you with legal advice, nor are we permitted to engage in the practice of law.
We are prohibited from providing you with any sort of advice, opinion, explanation, or recommendation about your possible legal rights – which may include remedies, options, defenses, or the selection of landlord forms available on the VerticalRent platform. Our platform is designed to provide landlords and property managers with powerful online tools to screen applicants, collect rent online, advertise vacancies, and generate free landlord forms. To that extent, our blog often publishes general information on issues commonly encountered by landlords – such as evicting tenants.
Although VerticalRent takes every reasonable effort possible to ensure the accuracy of its consumer reports and landlord forms, we do not guarantee or warrant the information to be correct, complete, or up-to-date. The law changes rapidly across the United States, from jurisdiction to jurisdiction. We will not be held responsible for any loss, injury, claim, damage, or liability related to the use of our blog, landlord forms or consumer reports generated from this platform.
About the author
Matt Angerer is the Founder and President of VerticalRent. He enjoys writing on a variety of topics that help Landlords, Property Managers, and Renters across America. He is particularly interested in helping renters understand their local marketplace, pick the best places to live, and find an awesome roommate. Since 2011, VerticalRent has grown to service over 100,000 landlords and renters across America.


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BMO® AIR MILES®† Mastercard®*
Enjoy collecting AIR MILES rewards with this No Fee card that is accepted almost everywhere.
- Annual Fee
- $0
- Extra Card Fee
- $0
- Card Type
- Credit
- Purchase
- 19.99%
- Cash Advance
- 22.99%
- Balance Transfer
- 22.99%
- Balance Transfer
- 1.99%
- Transfer Term
- 9 months
- Personal Income
- $15,000
- Household Income
|Extended Warranty
|1 year
|Purchase Protection
|90 days
Please review your insurance certificate for details, exclusions and limitations of your coverage.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
Our Review
If you're tired of missing out on miles, the BMO AIR MILES Mastercard could be the answer. Because this card allows you to earn 1 mile for every $20 spent...everywhere.
But first, let's do a mini recap...
The AIR MILES recap
Despite the bad press that AIR MILES went through in the last few years, many Canadians still choose to collect them. Offering cardholders plenty of flexibility, AIR MILES can be used in two main ways:
|AIR MILES Reward Type
|What you can use it for
|Cash Rewards
|Cardholders can use miles collected to pay for purchases directly at participating retailers, in store and online. Some of those retailers include: Sobeys, Shell, Rona, and Safeway.
|Dream Rewards
|Cardholders can use miles collected for travel, event tickets, attractions, and merchandise online and in store.
If you have been collecting AIR MILES for a while (maybe since they were founded in 1992), you know that miles are not given at every store – which can be frustrating. If you're spending $$, you should be rewarded for it.
And that is where having an AIR MILES credit card can really pay off.
BMO AIR MILES Mastercard Rewards
The BMO AIR MILES Mastercard will let you earn miles everywhere you shop – even those locations where you may have been missing out on miles for the last 26 years.
So, how do you know if this BMO Mastercard could be right for you?
Well, if any of these points sound like you, keep reading:
- Collecting your AIR MILES is almost second-nature.
- You travel a lot.
- You want a card with no annual fee or minimum income requirement. Or...
- Renting cars is a part of your normal.
Extra Rewards, Insurance, and a Bonus
On top of getting 1 mile for every $20 spent, BMO will also give cardholders extra rewards when they shop at any participating AIR MILES partner locations – 2x the rewards. Not bad for a no fee card. Plus getting up to 800 miles just for signing up? That's nothing to sneeze at.
(Side Note: If you're curious about how far AIR MILES can get you, be sure to check out the "Where Can I Fly" AIR MILES page ‒ and start dreaming up the great trip you'll be able to book with the miles you earn with your card.)
As for insurance, you get 1 year extended warranty and 90 days purchase protection, which isn't the best out there – but for a no fee credit card, it's still a nice add-on.
And finally, the BMO AIR MILES Mastercard does allow you to add secondary users to your account – at no extra cost.
But the downside?
The earn rate for this card is only 1 Mile for every $20 spent – a standard for a no fee AIR MILES card.
There are only 2 types of insurance coverage included for this card: purchase protection for 90 days, and extended warranty – which is unfortunate because premium BMO cards are known for their impressive insurance packages.
If you're looking for an AIR MILES credit card – and haven't found exactly what you're looking for – check out our Best AIR MILES Credit Cards rankings.
Or if you're thinking that AIR MILES might not be your thing, and would prefer to earn cash back, you should definitely check out the


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I don't even know what a gravatar is let alone how to setup a gravatar!
I learnt how to setup a gravatar totally by accident. I did it because I wanted to start commenting on blogs and get some links back to my website.
Let's start off with understanding what a gravatar is when it comes to your presence online. Firstly a Gravatar is the photo or image next to peoples comments
and posts they leave on websites, mainly blogs. Obviously people comment to show their thoughts on a topic that has been written about, however they also comment to obtain a "link" back to their website. The more links you have pointing at your site, the more important google will see your site and the more traffic you will be sent.
I don't know about you but when I get to see what someone looks like it helps me connect with that person. Your Gravatar will help you connect with other surfers on the net who are looking for the same things you are. How do I know this? Well they have left a comment on the same page you are now reading.
So if you are looking for away to generate traffic for your site (although this is a VERY SLOW way of doing it), make sure you have set up your Gravatar. Just click here to be taken to the gravatar page to have your photo uploaded. They will also give you more info one what is a gravatar.
Each time you leave a comment on someones site, as long as you leave the email you used to set up your gravatar and they have gravatar images enabled, your image will appear and if you put your website link in the area provided when you are commenting, you will receive a link back to your site.
Obviously the owner of the site you are commenting on, has complete authority on if they allow your comment to be approved and appear. So make sure you say something nice and worthwhile.
Did This Help You? If so, comment below and tell me what you liked, if you have an opinion, share that as well!
Network Marketing Training by James Hannan
Skype: hitmanhannan
Email: firstname.lastname@example.com
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If you enjoyed this post on Network Marketing Success, like, retweet and comment please 🙂


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When I'm at work, it's okay to play with my iphone.
- Yes, my supervisor told me so
- No, I need always to remain alert around the gondola and focus on our guests
Match a term with a correct description
One long signalIt means pick up the hotline or mountain phone
Two signalsIt means the Gondola is about to speed up
Two signals followed by one long bellIt means the Gondola is about to start
Three signalsIt means the Gondola is to be slowed e.g. for wheelchairs, high winds, loading freight
True or False? Every ticket on every person riding the gondola must be checked. No exceptions!
- No exceptions means no exceptions
- Exceptions can be made for staff


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DIY Case Mods - Suitcase turned into PC (Page 2)
If you don't like it...
Now, I'm expecting to get a lot of grief for the choice of components going into this 'gaming' rig, but hear me out. Each component is well thought out and is ideally suited to building a rig in a flight case.
The motherboard is a GIGABYTE mATX GA-G33M-DS2R and while this means I cannot SLI it up, it also means that it fits in the case! A newer chipset like the G33 is perfect; supplying onboard sound and LAN and keeping it budget at the same time. We're not going to break the bank on something that will be shoe horned into a cheap-ass case from a DIY store.
The graphics is again GIGABYTE, but a new series 9600 GT NVIDIA card and these have been getting awesome reviews. I think it's perfect bang-for-buck for a system like this and it runs everything out there at time of writing, including Crysis (well, maybe not on full, but it's playable on mid-range settings). I also like the Zalman fan unit they mount as stock on this card; it helps to keep the temperatures down and moves a lot of air around inside the case.
The RAM was a tough choice, but in the end we went for Kingston HyperX DDR2 PC2-8500 modules because these babies can clock right up to 1066MHz with no problems. It's important to balance the system right in order to get a decent performance; there is no point skimping on any one of the four essentials which are the motherboard, graphics, RAM and CPU.
Focusing on the CPU; I might get some flak for this, but I stand by it. I picked up the lower spec new Core 2 Duo 45nm Wolfdale. Why? - Well, it's cheap, it's available and it overclocks like a monster! The 3GHz model isn't that much more expensive, I realise that. But it just wasn't necessary. If you balance the system as a whole then it shouldn't have a problem with a slightly lower spec CPU. Not to mention, the thermal output of the lower spec is better, so it won't cook the inside of the case.
The big question was how to power this rig and we wanted a PSU that was adequate for what we had, but at the same time had a nice big fan that was seriously hush hush.
Thermaltake popped us an offering of their new TR2 QFan Series at 400 watts. This thing is perfect. There's a HUGE fan on top, 400 watts of clean juice and an 80+ power efficiency rating.
Last updated: Apr 7, 2020 at 12:27 pm CDT
PRICING: You can find products similar to this one for sale below.
United States: Find other tech and computer products like this over at Amazon.com
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Australia: Find other tech and computer products like this over at Amazon.com.au
Canada: Find other tech and computer products like this over at Amazon.ca
Deutschland: Finde andere Technik- und Computerprodukte wie dieses auf Amazon.de


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Prestigious banking license opening wealthy pan-European financial market of 500 million consumers. Specialised Bank capital requirement – EUR 1 mill. Bank – EUR 5 mill. Licensing time – from 6 months.
According to the European Regulation (EU) No 575/2013, only the Banks as Credit Institutions have exclusive right to accept deposits and other repayable funds from non-professional market participants and provide full scale banking lending. Banks licensed in one European Union (EU) member state allowed offering all banking services in single European financial market of 28 member states, 500 million wealthy consumers and 20 over million businesses.
Specialised Bank – unique pan-European banking license
From January 1, 2017 EU member state Lithuania introduced a new type of banking license – Specialised Bank, which is unique finance institution in EU and European Economic Area (EEA) jurisdictions.
Prestigious Pan-European banking license issued by European Central Bank through the Bank of Lithuania (Central Bank and financial regulator). Having only EUR 1 million equity capital requirement and licensing time from 6 months Lithuanian Specialised Bank can provide all traditional banking services within EU/EEA area and has no equivalents within the rest of EU jurisdictions.
Banking services provided by Specialised Bank in the EU market:
– Lending;
– Payment services;
– Receipt of deposits;
– Currency exchange;
– Issuing of e-money;
– Issuing guarantees;
– Fund administration;
– Financial leasing;
– Financial intermediation;
– Creditworthiness assessment services;
– Safe-deposit box rental.
…and other banking services.
Specialised Bank is restricted to provide investment or pension fund management, securities brokerage, investment advice and other similar services. This disadvantage can be easily dissolved by licensing separate Securities Broker or Investment Fund Manager.
Lithuanian licensed full service Bank with equity capital of EUR 5 million allows provide full scale pan –European banking services including brokerage and investment advice.
Instant access to single European banking market at low cost
Licensed Specialised Bank/Bank provides significant competitive advantage and opens up European financial market at significantly lower incorporation and operational costs.
Lithuania and primarily its capital Vilnius became a new hub for European banking service centres. Favourable regulatory and tax environment, excellent infrastructure, the fastest internet, cheap office space and quality pool of relatively cheap labour force makes Vilnius attractive for large international banking institutions and FinTech start-ups. Operational costs became vital in today's financial business. New FinTech companies challenging traditional banking institutions and cutting margins. This is the main reason why traditional finance institutions and FinTech start-ups discovering Lithuania. They need jurisdictions opening large single European market and allowing create safe, efficient and cost effective banking institution ready to face intense competition in EU/EEA banking market. Lithuanian "light" banking license of Specialised Bank is exactly what they need. It opens all single EU/EEA banking market, including large national markets such as French or German at significantly lower costs. A class office rent and employment costs are twice or even more cheaply in Vilnius comparing to traditional financial jurisdictions.
UK giant Barclays Bank operated Barclays Technologies Centre Lithuania in Vilnius from 2009, offering services to Barclays businesses across the world. Scandinavian rivals SEB, Swedbank, Danske Bank as well as finance industry
leader Western Union, world's biggest stock exchange operator NASDAQ have service centres and operates their global business from Vilnius.
Traditional European finance jurisdictions are losing their importance in our days. UK and London are suffering from BREXIT. UK based financial institutions looking for new jurisdictions in order to secure their financial licenses in continental Europe. Offshore jurisdictions are no longer considered attractive because of automatic tax information exchange, correspondent bank accounts opening restrictions and limited access to single European market.
The reasons why Lithuania is one of the top banking jurisdictions in EU/EEA:
– Fast licensing process. Issue of the license within period of 6 months.
– Equity capital of Specialised Bank – EUR 1 000 000, Bank – EUR 5 000 000.
– The documents can be submitted in English and amended "on the go" instead of formal writing forth and back.
– Direct access to Single Euro Payments Area (SEPA).
– Deposits up to the amount of EUR 100 000 insured according to EU Deposit Insurance Scheme.
– Remote client verification. Innovative "know your customer" processes for remote verification allows identification of the client without physical presence.
– Direct access to EU/EEA financial markets.
– No sanctions for the first year. The Bank of Lithuania is committed to support start-ups and not to punish them during the first year of operation for minor infringements.
– Start-up visa. Special visas for the citizens of non-EU/EEA countries running innovative businesses in Lithuania.
That is why FinTech industry leader WireCard Bank AG recommends Lithuania and ECOVIS ProventusLaw as a gateway to European financial markets.
From our perspective, they fully handle all aspects of financial or corporate matters with a highly professional dedicated team. Their knowledge of the financial services industry within their local market is supporting us in our efforts across Europe. I would not hesitate in recommending ECOVIS ProventusLaw as a strong and reliable law firm for any dealings with the regulatory body in Lithuania and as a gate for the international financial services companies to Europe. Mr. Oliver Bellenhaus, Wirecard Bank AG
ECOVIS experience in bank licensing
Being part of ECOVIS International consulting network present in more than 60 counties around the world ECOVIS ProventusLaw currently considered as the most experienced financial licensing advisor in Lithuania. ECOVIS ProventusLaw provides all the necessary services for the bank licensing, including preparation of licensing documentation, representation at the Bank of Lithuania (Regulator) during the licensing procedure, company incorporation, office registration, advice on IT, HR, compliance and other issues rising during the incorporation of banking business in Europe. After the licensing procedure completed, ECOVIS offers accounting, reporting, audit, compliance and legal services for the operational business.
More about FinTech licensing – www.ecovis.lt/fintech
More about ECOVIS experience – https://ecovis.lt/fintech/why-lithuania/
Specialised Bank licensing presentation in English:
Contact person:


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The PL-Inspector (PhotoLuminescence Inspector) allows observation of fluorescence and phosphorescence from short-wave (SW) and long-wave (LW) ultra-violet illumination. These observations can help a gemmologist determine whether a diamond or gem is synthetic or treated. The colour and intensity of the fluorescence provides a useful indicator, with a common test being whether the SW intensity is brighter than the LW, thereby suggestive of a synthetic diamond.
The PL-Inspector has an inspection viewing area of 15 x 15 mm. (For parcels of stones or jewellery pieces, the Jewellery Inspector provides a 50 x 50 mm viewing area.)
Photoluminescence (PL) is the emission of light caused by irradiation with photons. The emitted light is usually of a longer wavelength, and has lower energy, than that of the absorbed radiation.
Both phosphorescence and fluorescence are forms of photoluminescence. Phospholuminescence persists for seconds or minutes after the illuminating source has been extinguished whereas the glow of fluorescence disappears almost immediately the illuminating source is extinguished.
Most gems exhibit a characteristic photoluminescence of visible light in response to ultra-violet irradiation. Gemmologists use both short-wave (255 nm) and long-wave (365 nm) to probe the reaction of gems and note the colour and intensity of fluorescence and phosphorescence.
Conventionally such PL systems are desk mounted, which can be limiting where portability is needed. The PL inspector provides the most compact short-wave (SW) and long-wave (LW) instrument. Coupled with an optional battery power pack it becomes a pocket travel unit, ideal for trade events - to identify, for example, if a diamond is synthetic or treated.
Click here to view a yellow diamond that shows blue fluorescence under ultra-violet light - and see how it is is possible to distinguish between a natural and synthetic diamond. For practical workshops on natural, treated and synthetic diamonds and how to use the PL-inspector and other portable instruments visit www.gemconference.com
A quick guide to using a PL-Inspector can be downloaded here (PDF file).
Use the Gemetrix Mobile App to allow your smartphone's camera to take and compare PL-Inspector images.


text: mranon14 Posted July 22, 2019 Hello everyone!! New player here from the UK so I thought I'd introduce myself. Currently downloading Squad on Steam as we speak. Looking forward to getting into the game. I've been on and off with Arma for years not sure if that will help me or not. Is the game controller compatible? I have an Xbox controller that I wouldn't mind setting up if it's possible. I'd imagine having a microphone with this game is preferred, I have a headset with a microphone but no idea where I've put the microphone. Is having a microphone essential? Any tips/pointers welcome! Share this post Link to post Share on other sites


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Filing a human rights complaint is the first step in the Tribunal's process. You must file a complaint form. Select the form that applies to your situation.
Go to the forms page if you want to print the form with instructions and fill it out with a pen.
Call (604-775-2000 / 1-888-440-8844) or email the Tribunal if you want us to send a copy of a complaint form or give you more information about filling out your form.
For advice or assistance with filing a complaint contact the BC Human Rights Clinic.
If you live in the Greater Victoria area contact The Law Centre.


text: 1. Visa requirements Please welcome to www.MongoliaVisa.com to know about all information getting Mongolian visa, including type of visa, where to apply, requirement for application, fees and further – you may continue to travel neighboring countries to us. In this regard, information includes about Russian and Chinese visas. 2. Weather Mongolia is a country of extreme continental climate. The main travel season is from May to October, however you can visit any time of the year. For most of the year it is very cold, especially during the night. Precipitation is low and sky is usually clear during the wintertime. Once winter is finished, springtime comes. The weather is not pleasant in the spring; it is dusty and harsh. Summer is actually very pleasant; it is not so hot and the rain is minimal. However if rain gets extended, it can cause floods locally. Daylight lasts until 10 PM in the summer time. Autumn is the best season to visit the Gobi desert. Temperature drops below 0 C in October. Then storms come and go quickly. 3. Currency exchange The basic monetary unit is TUGRUG. Commercial banks, private exchange centers are authorized to exchange foreign currency. There are numbers of ATM cash drawing machines are around our guesthouses, work 24-hour open. 4. Medical services and insurance Medical. Prevention is the key to staying healthy while abroad. Western medicine can be in short supply in Mongolia. Most medicine comes from China and Russia, and the labels won't be in English, so bring whatever you think you might need from home. Read more: http://www.lonelyplanet.com/mongolia/health#ixzz3pU52OFBj Insurance. If your health insurance does not cover you for medical expenses abroad, consider supplemental insurance. Advice. Health care is readily available in Ulaanbaatar, but choose your hospital and doctor carefully. Ordinary Mongolians won't know the best place to go, but the best advice will come from your embassy.


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Diane Hardman
Product Manager - Pivotal GemFire, Pivotal
Diane joined Pivotal 2 years ago as a product manager for GemFire, Pivotal's commercial distribution of Apache Geode, focusing on product strategy for the Apache Lucene integration and WAN replication, contributing geode-examples for each. Prior to Pivotal, Diane worked for a variety of high-tech companies in engineering and management positions, contributing to their transformation from waterfall to agile development practices. In her spare time Diane enjoys tennis, travel, and cooking.


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Captain James Reagles, Assistant Surgeon
Doctor James Reagles was a surgeon with a remarkable career in the Army. His military service included surgical duty with the Sixth Corps, Army of the Potomac, during the Civil War, and postwar duty in the West, including the first survey and exploration of the Yellowstone Territory. He remained on active duty through the Spanish-American War, and was commissioned by President Theodore Roosevelt into the Army Medical Corps. When he retired in 1908, Dr. Reagles' career in the military medical service was one of the longest on record.
Reagles was born in Schenectady, New York in 1842. He graduated from Union College in 1861 and then attended Columbia University and Bellevue Hospital, where he earned a Doctorate of Medicine on May 1, 1864. Two days later he was commissioned Assistant Surgeon in the 62nd New York Infantry (Anderson's Zouaves) and was sent to Brandy Station to join the 6th Corps, Army of the Potomac.
With the 62nd New York, Reagles saw action at the battles of Spottsylvania, Cold Harbor, and Petersburg, and was at Appomattox when Lee surrendered. Dr. Reagles was present at the mortal wounding of Gen. Sedgwick, Commander of the 6th Corps, Army of the Potomac at Spotsylvania, Va., where the General was shot by a Confederate sharpshooter. Reagles mustered out at the close of the Civil War, but was bored with private practice, and rejoined as Assistant Surgeon in the regular army. Serving with the cavalry in 1866, he remained in the military until 1908.
Stationed in the West with the Indian-fighting army, Reagles was posted to various forts over the years, including Fort Verde, Arizona; Fort Snelling, Minnesota, and Fort Arbuckle. He served on General George Crook's staff during the Apache wars with Geronimo in Arizona, and saw much field duty.
In 1872, Reagles served as surgeon on Dr. F.V. Hayden's expedition to explore and chart the Yellowstone Territory. [Hayden, himself a surgeon, also was a geologist with the U.S. Geological Survey.] Reagles assisted in this first survey of the unchartered lands, and climbed the Grand Tetons with the expedition's soon-to-be-famous photographer, William Henry Jackson.
Reagles' military service included assignments to Fort Keogh, Montana; Fort Ontario and Plattsburg Barracks, New York; Fort Yellowstone, Montana; Fort Klamath and Fort Stevens, Oregon; Vancouver Barracks, Washington; and Fort Wrangel, Alaska. His last duty station was as Post Surgeon in Puerto Rico during the Spanish-American War in 1898.
James Reagles was commissioned a Captain in the Medical Corps of the Regular Army by special order of President Theodore Roosevelt in at his retirement in 1908. Pneumonia ended the long serving surgeon's life at Schenectady, New York on February 10, 1913. Thus, he missed yet another war but undoubtedly he would have found some way of serving his country in that conflict, too, had he not answered a higher roll call.
Johnson, M.K. and Johnson, P.R. (2006). Collecting Civil War Surgeon's Images & Photographs.
Johnson, P.R. (1999). "A Life in Uniform, II" in Military Images, May-June., pp.19-23


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Happy Tuesday B&B,
How's your second day of the work week? You'll be happy to know that I survived Valentine's day. Algebra bought me a new, beautiful watch and found my favorite wine that I didn't think existed anymore. His gift was pictures of what I ordered off Amazon for him 5 minutes before since I was boycotting the holiday, but then accepted the fact that I must participate.
Anything eventful happen to you ladies last night or did you just go about your usual Valentine's routine?
Anyway. I've decided to stop eating carbs (again). Not only will it include all the gluten I shouldn't be eating anyway (a gluten intolerant diagnosis just doesn't seem scary enough for me to avoid the stuff), but I will help me drop a few lbs. I'm feeling the summer swimsuit pressure already, ladies! And guess what? I couldn't be happier about it. The sun is shining, the air is getting warm and minus that little snow storm we'll certainly have the the end of the week… I'm ready to throw on my bikini (I am, my body; however, is not – thus the carb ban).
I've also subtracted pilates (scheduling constraints) and added yoga and kalari. Team! Have you heard of kalari? OMG. It's AHHHHmazing. Officially, it's Indian martial arts (I think). Unofficially, it's superhero training/gymnastics for grown-ups. It's probably the best thing I've ever done. I attended my first class last Thursday and I'm still sore. Plus, my cheerleading background actually came in handy (first time since trying to date studly seniors in high school) when I could do a hand stand AND a backbend.
So, if I've done the math right (I'll check with Algebra later):
(Bridget – carbs) + sunshine – pilates + (yoga x kalari) = Super hot bod in time but preferably before summer!
Right? I'll let you know how this goes (especially because I can't remember a time in my life when I haven't been actively trying to lose weight).
In totally awesome and important news, ALGEBRA'S BAND IS A CITY WEEKLY MUSIC AWARDS FINALIST! So awesome! There's three bands, King Niko and two other bands that I've never heard of and the winner gets 2K and all the glory. Super neat-o. Bianca suggested we glam it up and head to the concert this Saturday and I couldn't agree more. Bailey, you in? It's at the Vertigo Room of The Complex (some new venue in downtown SLC) on Saturday night. Woot, woot!
Thinking skinny, carb deprived and not at all angry about it,
Sent from my iPad


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A bad hire can cost your company £50,000 — at least 27 percent of companies surveyed by CareerBuilder have found this to be true. In 10 of the world's largest economies, more than half of employers have experienced the bad effects of a bad hire, such as productivity and revenue loss, negative effects on employee… Read more
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text: ISEI Conference Call for Papers now open! The International Society on Early Intervention (ISEI) is pleased to invite researchers and practitioners in ECI and related fields to participate in our conference to be held in Sydney, Australia, June 25-28, 2019. The ISEI conference will be held in conjunction with Early Childhood Intervention Australia, the major professional body in this field in Australia. The ISEI Conference has a strong history of bringing together experts from all around the world. This is the first time that this conference will be held in the Southern Hemisphere. Previous conferences have been held in Stockholm, St. Petersburg, New York, Zagreb, and Rome. June 6, 2018 By Events Conferences 0 Comment Read More >>


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text:
أعوذ بالله من الشيطان الرجيم
بسم الله الرحمن الرحيم
A man came and requested that dua be made for him. Hazrat Thanwi (R.A.) said: "Brother! You too make dua and I will also make dua."
The man said: "My tongue is not fit for dua." (In other words, he did not consider himself worthy of making dua.)
Hazrat Thanwi replied: "Do you recite the Kalimah?"
The man said: "Yes."
Hazrat Thanwi: "The Kalimah has greater blessings than dua. How come your tongue is worthy of reciting the Kalimah? In fact, Shaitaan made dua at the very time when he as being cursed by Allah Ta'ala.
He supplicated: "Grant me respite until the day when people will be resurrected." Allah Ta'ala answered his dua: "You are among those who have been granted respite."
When even Shaitaan was not deprived of acceptance of dua, how can we be deprived?
The fact of the matter is that Shaitaan has deceived us into believing that our tongues are not worthy of making dua. People consider this attitude to be humility (when in reality it is not).
Extracted from Mafuzaat of Hakimul Ummah


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|October 23, 2017
|AWB Events & Resources
Oct. 24 'Return to Work/Stay at Work' webinar available free to AWB members in the CompWise manufacturing retrospective rating group
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Follow Paul Donovan
It's so funny, how we don't talk any more
- US Trade Representative Lighthizer was supposed to meet with Japanese Economy Minister Motegi yesterday, but was too busy. "Busy doing what?" is the question. Busy making a list of foreign goods to tax, perhaps? The meeting is supposed to take place today, along with another meeting with EU Trade Commissioner Malmstrom.
- The US Business Roundtable said almost two thirds of US chief executives were cutting back on investment or hiring as a result of Trump's trade taxes. This needs to be treated with caution. The data is just a survey. Moreover, people know that surveys like this have political influence, and they may answer questions to achieve their desired policy goals rather than to reflect reality.
- ECB President Draghi noticed that inflation is not terribly low in the Eurozone – in fact it is "relatively vigorous". Draghi talked about core CPI yesterday. When headline inflation was lower, headline inflation mattered. Now core inflation is lower, core inflation matters. Nonetheless, "relatively vigorous" inflation is a challenge to negative interest rates in 2019.
- There is noise around the EU-UK divorce. Ignore it, perhaps it will go away. German Chancellor Merkel is speaking, as are assorted ECB, Bank of England and Riksbank speakers.