text:
What type of money person are you? Do you horde, spend what you haven't got or worry that what you have got isn't enough? You've probably a bit of all the seven types of money personalities buried somewhere within…
IT is not just about the numbers, the incomings versus the outgoings. If it were just about that, then each and every one of us could be taught the proper skills at school. Good money management, however, involves several complicated issues beyond the amounts you earn and spend.
Of equal importance to understanding how the numbers work is knowing yourself, for better, for worse, and when it comes to finances, potentially for richer and for poorer.
For some people the self-knowledge and self-control needed to manage their money come easily. Others struggle. They struggle to understand the basic arithmetic or maths involved. And they struggle with their own desires.
With six siblings, lots of other relatives in my extended family, and a large, varied group of friends, I can say I have probably encountered, up close and personal, many different money personalities.
One close relative stands out in my mind and in my fears. No matter how much money she earns or has given to her, she always spends every last penny of it and more! And then she ends up in a mess of excessive debt, bad checks, and bill collectors.
Actually I'm not being totally forthright. This relative's messes qualify as full financial disasters. This happens again and again and again. Why? Because she will never take time out to change her ways.
The key to it is knowing your basic money personality and taking control. This is true whether you have a lot of money or a little. My goal is to help you to understand not only your money personality, but also that of someone else in your life who may be struggling with their finances. These are the breeds you may encounter:
The Big Spender
Shopping and buying are stimulating, meaningful, self-defining activities for you. You use phrases like "I just had to have it", "It was so cheap it was irresistible" and "I just love a good bargain".
A Big Spender will, and more than likely does, go shopping every single day of his or her life and always find something to buy. Some shop impulsively. Some shop out of boredom. Many run off massive credit or store card debt.
Two core issues are typically at the heart of a Big Spender's problem. First, they refuse to distinguish between what they want and what they need and shopping gives them a buzz – buying gives them the satisfying thrill of a mission accomplished.
They interpret these tingles as intuitive confirmation that their decision to buy is a good one. Second, they frequently use shopping and spending as a quick, feel-good fix to some emotional inadequacy.
Suggested Solutions
Big Spenders need to keep themselves and their money out of harm's way. Before buying anything, they must always ask themselves: "Do I really need this? Do I REALLY need this?"
Beat this compulsion by finding another activity to fill the time that you usually spend shopping; limit your shopping trips (including the grocery store visits). Test yourself by leaving your credit cards, store cards, and debit cards at home. And use cash instead of plastic.
The Cheapskate
Spending money is hard for you. In fact, it is almost impossible for you to let even a 5p coin out of your grasp. If you have to pay full price for anything you almost always come up with an excuse why you shouldn't. My favourite statement by a Cheapskate is "Money is tight right now." In truth, it isn't the money that's tight!
A Cheapskate cannot understand why people enjoy spending. Acquiring anything other than money and a modest degree of comfort means little or nothing to them; it is not part of their emotional make up. Cheapskates die with lots of money in bank accounts, although they have lived restricted or very modest lives.
When a Cheapskate is social, they enjoy the company of others, but will always divide the bill, pay for only their drinks at the pub, and sometimes try to pay you back when you treat them. They do not enjoy treating anyone else because they don't know how to treat themselves.
The good thing about a Cheapskate is that you know they will always be able to take care of themselves. They won't ever overspend or be on the verge of losing everything, despite their appearance of not having two pennies to rub together. The difficult part for most people is being around a Cheapskate.
Suggested Solutions
Accept a Cheapskate's fundamental personality. They are doing no harm to themselves (except in extreme examples) or others. Don't expect them to be like you. After all your money is yours and theirs is theirs.
Limit your time or activities with them if you find the situation frustrating. Alternatively suggest new activities that are within the Cheapskate's comfort range of spending.
The Ostrich
Avoidance is the central component of how you deal with most financial matters, especially problematic ones. You really want to believe that no news is good news. Whether passively or actively, you ignore, hide from, or deny the full reality of your money problems.
The tone of an Ostrich's response may suggest that being financially aware is a kind of a moral flaw that they are proudly shunning. Or more stubbornly, they avoid all discussion of money. Ostriches feel they should not have to deal with such issues and will not do so.
In general an Ostrich knows in his or her gut that the situation is not good, but wishes to totally avoid dealing with it until they are forced to and as soon as things get better, their strong tendency will be to put their head right back in the sand until the next crisis comes along.
Suggested Solutions
Ostriches need to manage the emotions that cause them to repeatedly take the "see no evil" approach. Because this reaction is so deeply emotional, they must make each step manageable and capable of being completed in a limited period of time.
To do this they need to schedule time to deal with their finances at a time when they are least likely to get frustrated .
If you are an Ostrich, then you are fearful and easily frustrated when it comes to finances and probably other things in your life. It is important that you try not to live in anticipation of fear or frustration.
The False Optimist
You always have glasses with rose-coloured lenses covering your eyes when you look at your finances. "Oh, it will work itself out" is the de facto mantra of a False Optimist. False Optimists believe the fates always intervene to correct or ameliorate their financial problem.
Parents or grandparents will suddenly decide to give them money to alleviate their financial distress.
Another type of False Optimist tries to buy time for the situation to work itself out. This person eagerly signs the next credit card offer that comes through the post or arranges another consolidation loan. If they can keep the wolf from the door for another few months, something (anything) will surely come along to make things right.
False Optimists are experts at delaying.
Suggested Solutions
False Optimists can be one of the most difficult money personalities to help see and deal with the reality of their financial situation. To remain optimistic when they are in such dire circumstances, they must be stubborn. When the truth is told to them, False Optimists often wave it away with a gesture of their hand.
Patience is required to help them; don't show them the full picture of the total situation all at one time. A False Optimist has a well-constructed view of their life. If confronted, he or she is likely to morph suddenly into Paris Hilton, saying in that flat Valley Girl accent while at the same time rolling their eyes, "Whatever."
Tell the person only one truth at a time and do so in a constructive way. Don't be surprised if they come up with their own action plan for solving their financial problems that sounds very much like the suggestions you made in the first place!
The Deserver
Your partner or spouse owes you. Your family owes you. Your employer owes you. The government owes you. In fact, the whole world owes you. You should be able to go shopping when you want and spend what you want. You should not have to deal with budgets.
Deservers never like being told what to do. In fact, if they are told, they are likely to do it anyway or something totally opposite just to show that they can and will. I call the spending associated with this behaviour vengeful spending. I have seen it in marriages or relationships where one person feels they are not getting the money, lifestyle, or emotional support they feel they deserve. The spender is saying that if I can get what I want from you, then I'll take what I deserve from your bank account.
Deservers are often the same people who try to keep up with the Jones's. They constantly compare what they have to what others have.
Suggested Solutions
People with a deep sense of entitlement rarely see financial problems as being caused by themselves. They are always the victim. They can sometimes change on their own if their situation gets so bad that it is impossible to ignore their culpability. When family members or friends help, it will require the emotional strength of a saint in adversity and the patience of Job.
The answer is to completely remove their ability to spend without any pre-thought. Next they need to stop thinking that someone, somewhere owes them anything more than emotional support.
The Hustler
You have an adversarial view of financial institutions and the people who work in them. You have no doubt that they are just out to use your money, giving you nothing useful in return. And to quote the famous line from the movie "Network", you are "mad as hell and you are not going to take it any more".
Hustlers, in their most aggressive guise, want to show the Big Boys that they can beat the system. They take pride in cleverly using money borrowed from banks and credit card companies to make money for themselves, mostly without working.
Hustlers are involved in an elaborate financial tango in which they are dancing with a partner (a financial institution) that is much bigger than they are. For a while they may appear to lead the dance; however, eventually they try to be too clever by a half and therein lies the beginning of their decline.
Suggested Solutions
People who are cynical about the financial world fall into two camps: those that want as little involvement with it as possible or those that want to subvert the system. It is this second group that usually become Hustlers.
They believe that there is a strategy, a loophole, or a trick that will essentially let them get something for nothing. The hustler can control these dangerous urges by keeping it simple. They need to establish a more positive relationship with their money and their time.
The Worrier
You are eternally fearful of losing everything and ending up in poverty. This worry probably comes from something in your past. If you are not working and earning money, you have nightmares and panic attacks about losing everything and ending up destitute. No amount of money ever seems to take that worry away.
Worriers are not like Cheapskates. They will spend money on a good house, nice vacations, education for their children, and nice gifts, but they always live substantially below their means.
Worriers are usually highly motivated. They find work when others cannot. They will do just about anything to survive. And they are often secretive about how much they have in the bank, even with close family members.
Suggested Solutions
The good thing about a Worrier is that their fears seldom become reality and they can sometimes laugh at their parsimonious ways. However, you don't want to push the humour or teasing too far. Worriers have to heal themselves. Some will know that they need to loosen up a bit, while others will never see the need to change.
The Balanced Person
Do you see yourself in any of the money personalities I've described? Perhaps yours is a combination of two or more types. This means your struggle with your pounds and pence will be more complicated and, perhaps, difficult. Being aware of your financial personality and its foibles is the first step to attaining some balance.
The second is establishing practices and mental tricks that will help you mitigate or control the impulses that cause you to victimize your financial security. Then you must monitor yourself on an ongoing basis. You, in essence, become your own financial therapist.
The most important key is that you must want to make the changes for your money and your life. Thus you enable yourself to establish the financial balance that works for you. Luckily there are many paths to becoming a financially Balanced Person. Some people do so easily, others only become balanced after going through difficult times or bad experiences.


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subset: commoncrawl


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As people who practice the preparedness way of life we understand the need to be aware of our surroundings, what's going on with the media, systems of support, money and those pesky political clowns out there. There are books, magazines and websites dedicated to helping us educate ourselves, find advance training and so forth. I find it a bit aggravating at times when I'm dealing with someone who always sends out more sales offers. They never ask how you're doing. It's just more correspondence designed to create a "sense of urgency" and sell.
I understand people are in business to make money. I just can't always part with mine regardless how urgent you want me to feel. Some battles I'm not in a position to fight right now. I am aware of things going on around the country but I can't put as much as I'd like towards preparing for every eventuality.
So a certain prominent figure is a jerk about X. Well, thank you. I'll take that under advisement. This isn't anything anyone didn't already know. They're like that all the time. No. I can't send you another $25 to fight him right now. Two months ago I had a raccoon tear a hole in the front of my house. The beast left before the trapper came by to set up. I still have to get the repair done on that. Having the wildlife removal service do work at my house cost money I had plans to spend elsewhere.
The ads and offers are just going to have to go to recycling for the time being. I'll have to learn what I need to learn through some other means for the time being.


text:
Ongoing Assessments
In the News
Three technologies selected for evaluation in 2019.
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Ongoing Assessments
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Wireless Sensors and Analytics [PDF - 217 KB] tests the promise of the Internet of Things (IoT) by using relatively inexpensive and easy-to-install wireless, lighting-fixture-based sensors that detect and record changes in occupancy, temperature, visible light, infrared radiation, and LED power consumption.
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Monitoring and Partial Water Softening [PDF - 186 KB] optimizes chilled water system performance by reducing the amount of "blowdown" water used to remove mineral build-up.
The GPG program enables GSA to make sound investment decisions in next-generation building technologies based on their real-world performance.


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Do you remember the old westerns? They told stories of towns rising up and problems arising: businesses wanting more money for the same goods, landowners encroaching on the land of others through threats or actual murder, violence in the streets needing to be quelled by a Sheriff or Marshall who would then be run out of town by the businesses that hired him? At the point when the law had served it's purpose but then became a obstacle for those exploiting the less well off.
That model of development has been the same for all of the so called 'civilised' countries or major powers...and it's how they operate now...nothing has really changed. As always, there are exceptions ...some Leaders from other countries seem exemplary when placed alongside some of our politicians.
What's the common thread? Corruption and greed. It always was and it always will be unless we get to grips with the cause and do something about it.
I know that many of you are pissed off with the system. We watch as governments here in the UK have consistently lied, swindled and cheated the public out of its collective wealth. Let me put that another way - the government spends our money - the working classes' money. Without the working classes there would be no wealth for the people at the top.
I know that a lot of you feel that there's no point in voting. Having seen the fiasco of recent votes, I can sympathise. Then we have the people that have the right to vote, were registered to vote and were still denied a vote through maladministation ... and the government didn't bother to extend the deadline for the vote so that they could be afforded their democratic right which is shameful, and I feel, illegal.
If we don't vote though, we'll always let the upper classes get away with shafting the working classes ... and if we don't vote, we'll never bring about the changes that we want to see in this country - or the balance of power that the masses deserve.
As working class people, we make the products that people buy - and we ourselves buy them if we can afford to. The same with services that are offered - we do the work but the profits go upward and, depending on the service provided, the workers are often paid a pittance for work that doesn't require formal qualifications - and in a lot of cases - even if formal qualifications are required.
The United Kingdom is a country ruled by the upper classes. We help to maintain the status quo because, in the main, we silently carry on with our lives; too busy working long hours and trying to make ends meet as we worry about how we're to pay the mortgage or afford the rent, pay for our food, our prescriptions for medicine, clothes and our various taxes.
Democracy seems to be constantly interfered with in various ways, everything from whether voting cards are issued to how they're counted, as well as altering the constituency boundaries. I'm sure that this wasn't the version of democracy that our ancestors risked or gave up their lives for. As a Veteran, I certainly didn't knowingly serve corrupt leaders ... but it seems that I, unwittingly and by default, did. We learn these harder lessons as we grow and explore the world around us for what it is.
That's the moaning out of the way - what do we actually do about it?
We can start by making MPs more accountable for their actions.
On 4/7/2013, someone wrote to the House of Commons Commission about MP's Job Descriptions:
(Source https://www.whatdotheyknow.com/request/mp_job_description)
Sent: 11 July 2013 09:22
To: FOICOMMONS
Subject: Freedom of Information request - MP job description
Dear House of Commons Commission,
I would be interested to see the paperwork which would constitute an MP's
job description. All employees have a job description and they are held
accountable by the terms agreed.
In order to hold an MP to account one must first know what is reasonably
I look forward to your response.
Yours faithfully,
D. Reynolds.
A reply was sent out on 11/7/2019:
FOICOMMONS, House of Commons Commission 11 July 2013
Dear ,
Freedom of Information Request F13-354
Thank you for your request for information which is copied below.
You asked for information regarding MP's job descriptions.
The information you require is not held by the House of Commons. Members
of Parliament are not employees of the House of Commons but are deemed as
self-employed. For this reason, we would not hold paperwork on an MP's job
However, the following document may be of interest to you, it gives
constituents the information they need on how to contact their MP and what
to expect when they do
The following information from the Parliamentary website may also be
helpful: [2]http://www.parliament.uk/about/mps-and-l...
You may, if dissatisfied with the handling of your request, complain to
the House of Commons. Any such complaints should be addressed to: Freedom
of Information Officer, Department of HR and Change, House of Commons
London SW1 0AA or [3][House of Commons Commission request email] . Please ensure that you
specify the nature of your complaint and any arguments or points that you
wish to make.
If you remain dissatisfied, you may appeal to the Information Commissioner
at Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF.
Yours sincerely,
Sarah Price | IRIS Support Officer
I have since found an online document that states the following:
Annex 6: MP's generic job description (2001)
In 2001, the Senior Salaries Review Body published a "job description" for a Member of Parliament, which is set out below.
Job purpose
Represent, defend and promote national interests and further the needs and interests of constituents wherever possible.
Principal accountabilities
1.Help furnish and maintain Government and Opposition so that the business of parliamentary democracy may proceed.
2.Monitor, stimulate and challenge the Executive in order to influence and where possible change government action in ways which are considered desirable.
3.Initiate, seek to amend and review legislation so as to help maintain a continually relevant and appropriate body of law.
4.Establish and maintain a range of contacts throughout the constituency, and proper knowledge of its characteristics, so as to identify and understand issues affecting it and, wherever possible, further the interests of the constituency generally.
5.Provide appropriate assistance to individual constituents, through using knowledge of local and national government agencies and institutions, to progress and where possible help resolve their problems.
6.Contribute to the formulation of party policy to ensure that it reflects views and national needs which are seen to be relevant and important.
7.Promote public understanding of party policies in the constituency, media and elsewhere to facilitate the achievement of party objectives.
Nature and scope
An MP's work may be seen under three broad headings. The first is his or her participation in activities designed to assist in the passage of legislation and hold the Executive to account. This is traditionally seen as the 'core' role of the parliamentarian. The second area is work in and for the constituency. This is in part representational; in part promoting or defending the interests of the constituency as a whole; and in part it is designed to help individual constituents in difficulty. The third part of the job is work in support of the party to which the Member belongs, and for which he/she was elected.
Parliamentary work
In the Chamber — An MP spends typically four days each week in the House. It is possible, at least in theory, to spend much of this time in the Chamber itself. But there is little doubt that the majority of Members spend significantly less time there than was typical in the past. This is in part because the Chamber is, generally speaking, perceived to be less significant in influencing affairs than it was 20 or 30 years ago; and also because the time available has been squeezed both by constituency matters and by the amount of work which Members spend in committee or in pursuing their political interests through other channels.
Members appear in the Chamber to speak rather than to listen. It is a forum for making a case but for most of the time has only a marginal effect on major decisions. Nevertheless, it can sometimes be the scene of events of dramatic importance which seize the attention of the electorate. Debates and question time are exacting tests for Ministers and are important in the parliamentary process but there are a number of other ways in which MPs can use the Chamber. For example there are adjournment debates at the end of each day and this provides a useful way of ventilating a constituency grievance, and persuading a Minister to act. Ten Minute Rule Bills are a useful device for generating attention for a particular issue although they are of limited value in getting legislation to the statute book. Twenty Private Members Bills are selected by ballot at the beginning of each session, and these also present to the successful Members an opportunity for pursuing a particular interest. There is, however, little chance of legislative success without government support.
In Committee — In addition to work in the Chamber itself an MP can contribute to the political process through Membership of either Select or Standing Committees. Select Committees, of which the most important is the Public Accounts Committee (PAC), are cross party bodies which can be highly effective in examining specific or general government policies in a relatively bi-partisan manner. Effective work on Select Committees requires background study, planning, devising and putting questions and checking the proceedings for publication. A great deal of reading is involved to do the job properly and it is often necessary to consult various interested parties. The chairmen of Select Committees are appointed by the committees themselves.
By contrast, Standing Committees consider legislation in detail prior to its being sent back to the Chamber. It is up to an MP whether a full contribution is made or not. In general terms, opposition MPs see little chance of major substantial changes to Bills in committee, although sometimes spectacular coups are achieved. The presence of government MPs is required usually just to vote and speaking is often discouraged because it delays proceedings. The Speaker has a list of MPs who act as Chairmen, which he/she compiles with the advice of party whips.
The allocation of MPs to committees is carried out by the Committee of Selection, by permission of the House, save for Select Committees established before 1979, where it is done by the whips. In practice, however, the influence of the whips over appointment to all committees, and particularly to the more important Select Committees, is considerable. Generally, although the work is not mandatory, there is an expectation of MPs being prepared to serve on committees, newer Members serving an apprenticeship through Membership of the less popular ones. The committee clerks provide help and advice on procedural matters but it takes some time and effort for an MP to accumulate sufficient working knowledge to serve as the real basis for effective committee performance.
There are, in addition to Select and Standing Committees, a number of party and multi-party committees on particular issues. These are of varying importance and effectiveness.
There is no research support available to MPs specifically for committee work, other than the House of Commons Library, although committees as a whole can and do commission specific research.
Range of Members' practices
In practice, some Members, although perhaps only a relatively small minority, seek to influence events by participating to the fullest extent in the Chamber itself.
Others prefer to work through Select Committees or the party backbench committees. But MPs can 'make their mark' in the political arena by other means. Many have a specific area of interest or expertise which they bring to the House and through this become seen by all parties as respected experts in some specific area. They are often able to reinforce his role through the media. Others — particularly the longer serving and more experienced — play an important role in reinforcing their party's activities, for example during particularly difficult debates Some, usually because of their specific expertise can help in the execution of government policy, formally or informally. Yet others champion specific causes inside and outside the House. All MPs are subject to pressure from lobby groups. Some however work closely with bodies such as charities or trade associations to promote their interests.
By using one or more of the means available, it is generally held that the majority of MPs make an identifiable contribution to the national political process. This role is however largely tailored to their own needs, capabilities and ambitions.
Work in the constituency —There is broad agreement that this aspect of MPs' work has increased immensely over the last 20 years. MPs visit their constituency about weekly and indeed many live there. Constituency work can be divided into two parts, the general and the particular.
General work— In general, MPs must maintain contact with a wide range of local bodies, both official and voluntary, to feel the pulse of issues affecting the constituency overall. This involves such activities as keeping in touch with the local authority and local councillors, giving talks to local societies and schools, visiting factories, and participating in civic events. Through this work Members can identify how national policies or issues impact on their own constituencies so that they can if appropriate contribute to debate on them. In at least some constituencies the MP is also seen as a quasi Civic Leader, alongside leading Councillors and other dignitaries.
Senior Salaries Review Body, Cm 4997-II, (2001).
(Source: https://publications.parliament.uk/pa/cm200607/cmselect/cmcomm/685/68520.htm)
IPSA state the following:
All MPs' staff employed after 7 May 2010 must have a relevant job description, as well as a contract and a salary within the relevant pay range. So why doesn't an MP have a Job Description?
(Source: http://parliamentarystandards.org.uk/Job%20Description/Pages/default.aspx)
There are a couple of issues to raise at this point:
Self Employed people don't have contracts of employment, neither do they receive a standard salary, pensions and expenses! Generally speaking, they quote from job to job.
One of the changes that I would like to see is MPs issued with Job Descriptions, Person Specifications and Contracts of Employment; within that contract of employment certain clauses should be the same as they are for other employed people - eg Gross Misconduct leading to dismissal. Gross Misconduct usually contains offences against the person, discriminatory behaviour, harassment and Theft, to name a few. Bringing the the service into disrepute is also one used. Fraud, generally speaking, comes under the category of Theft.
When one considers the basic salary, expenses and other avenues of income open to MPs, it is unacceptable that they be allowed to commit fraud against the public by accessing the public's money by said fraud and then still be allowed to keep their job when found out.
This 2-tier society must stop now. An MP is as important as a refuse collector; some would argue less. The laws affecting both classes of workers must be the same...and the laws surrounding any breaches of statutes or codes of conduct and contracts of employment must be equally upheld.
MPs are public servants...it's about time they ALL started conducting themselves as such and were made accountable for their actions to their electorate.
Drafting a Job Description and Person Specification for MPs
Would anyone with relevant experience like to be involved in drafting one up? I'm looking for a group of 3 people with managerial experience and one MP. Once completed, I'd be looking to submit it, as a collective piece of work, to the relevant authority.
Villayat 'Wolf' Sunkmanitu
Friday, 26 July 2019
Make MPs accountable as public servants
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Everyone must stay at home to help stop the spread of coronavirus.
You should only leave the house for very limited purposes:
Important - These reasons are exceptions – even when doing these activities, you should be minimising time spent outside of the home and ensuring you are 2 metres apart from anyone outside of your household.
There is separate advice about staying at home if:
Do not leave your home if you have either:
To protect others, do not go to places like a GP surgery, pharmacy or hospital. Stay at home.
Use the 111 online coronavirus service to find out what to do.
Only call 111 if you cannot get help online.
Important - Call 111 for advice if you're worried about a baby or child.
If they seem very unwell, are getting worse or you think there's something seriously wrong, call 999.
Do not delay getting help if you're worried. Trust your instincts.
Use the quick NHS coronavirus status checker to tell us about your current experience of the virus.
This will help the NHS plan its response to coronavirus by showing where the virus is spreading and how it affects people.
The Spa Medical Practice, Droitwich Medical Centre, Ombersley Street East , Droitwich Spa, Worcestershire, WR9 8RDTel: 01905 772389
Our practice provides the usual services which include:
From the age of 25 to 49 you will be offered a cervical smear every three years and from the age of 50 to 64 you will be recalled every five years. Invitations are sent from PCSE (Primary Care Support England) and the smear is taken by either Practice Nurse Caroline Gaynor or Angela Lapworth.
When you receive your invite please telephone the surgery on 772389 and option 3 to make a twenty minute appointment with the either of practice nurses mentioned above.
The Health visitors no longer have a clinic at the practice but they offer Droitwich Baby and Child Health Clinics at two locations.
On a Wednesday at WANDS, Farmers Way, Droitwich, WR9 9BF between 09.30 and 11.30 and on a Friday at Droitwich Medical Centre, Ombersley Street East, WR9 8RD between 10.00 and 11.30am on the first floor.
Antenatal Care
A full pre-conceptual, antenatal and postnatal maternity service is provided by the Droitwich Community Midwife and your doctor. Our midwife runs pre bookable clinic on a Tuesday morning, so please book your first appointment with the midwife as soon as you know you are pregnant. Your Post-natal check will be done by with your usual GP at six to eight weeks.
To contact a midwife ring 01905 681042.
Hearing Health Checks
Scrivens Hearing Care now provides for patients aged 55 and over a free new NHS hearing service in the medical centre. The free service includes a comprehensive hearing assessment, fitting of digital hearing aids (where required), ongoing aftercare support and batteries.
The pre-book able clinic is held in the medical centre on a Wednesday morning and Thursday afternoon. If you would like an appointment please ring 01905 772389.
For further information https://scrivens.com/hearing/nhs-hearing/
Diabetes, COPD, Asthma, Stroke or TIA, Coronary Heart Disease
We offer comprehensive management of the above chronic diseases. It is essential for all our patients with a chronic disease to have regular monitoring checks with the Practice nurse. If you have any of the conditions listed above please make an appointment in your month of birth in the appropriate clinic.
Appointments are now available with our Clinical Pharmacist Mr Mohammed Jivraj.
Clinical Pharmacists are highly qualified healthcare professionals who train for many years to become specialists in medicines and how they work. They work directly with the General Practice Team, to ensure the safe and effective use of medicines to enable the best possible outcomes for patients.
Clinical Pharmacists can provide expert advice on medication. They can help you by making sure the medicines you are taking are right for you, reviewing your medicines and helping you with lifestyle changes to help manage your condition.
Our Clinical Pharmacist can also see patients for their annual Asthma and Hypertension reviews.
The practice offers a contraception service for patients of all ages, which is confidential and includes emergency contraception.
Please make an appointment with the practice nurse for follow up contraceptive checks. Unfortunately the practice does not insert or remove contraceptive implants.
Droitwich Sexual Health walk in service from 16.10.2018 is an appointment only service.
Appointments will be available every Tuesday morning between 09.15 and 11.30 and will be available to book the day before.
To book an appointment please ring 01562 514512 on Mondays between 15.30 and 17.00
Regrettably, the practice is no longer funded by Worcestershire County Council to provide Quit Smoking Advice and GPs are unable to issue your prescriptions for your Nicotine Replacement Therapy medication. If you need help and support to quit smoking please refer to the County Council Website www.nhs.uk/smokefree.
The doctors and nurses at the surgery are aware of the difficulties faced by both patients and themselves when carrying out intimate examinations unsupervised in the consulting room.Please do not be afraid to request a chaperone to be present in the room - we will not be offended.
Social Prescribing recognises that some of life's problems can make you unwell and health conditions harder to deal with. Medical treatment may only be part of the solution. Social Prescribing offers options to link patients with local support sources to improve your health and wellbeing.
The Social Prescriber works with patients to identify the issues, difficulties and challenges they face and explore what is important to them. They support the patient to access local services and activities. This includes a wide range of options, eg: advice and information on; housing, finance, benefits support, education and learning, healthy lifestyle, social activities and mentoring.
Please speak to a member of the practice to get a referral to the Neighbourhood Social Prescriber.
Diagnostic Ultrasound
We run a town based ultrasound clinic offering a wide range of scans on a Tuesday and Thursday. The clinics are at either Spa Medical Practice or Corbett Medical Practice. Please note a referral is needed from your doctor to access this service. Please see the attached sheet for Ultrasound instructions. If you are diabetic please note you can eat up to three hours before your scan but please eat something light such as crackers, digestive biscuits, salad etc. Squash can be drunk and it is advisable to bring biscuits for after the scan. July 2019 - Please note we do not have the Diagnostic ultrasound service available in August & September 2019. Your doctor will refer you to the hospital.
The GPs run a minor surgery clinic. They are able to remove certain skin lesions under local anaesthetic. If you have a skin lesion you are worried about or would like removed then make an appointment with a GP first and they will be able to assess whether it could be removed in the minor surgery clinic. You will be put onto a waiting list and contacted with an appointment when one becomes available.
As of September 2017 the practice is no longer a minor injury unit. If you have an injury please advise reception and they will book you an appointment. If it is an injury that may need sutures or xray please go to your nearest Minor injury unit. In Droitwich this will be either the Princess of Wales hospital in Bromsgrove or Worcester Royal Hospital.
We offer a service to patients to enable direct appointment booking to a hospital of their choice following referral by the GP. This service is called Choose and Book.
The NHS e-Referral Service combines electronic booking with a choice of place, date and time for first hospital or clinic appointments. Patients can choose their initial hospital or clinic appointment
Copyright 2006 - 2020 My Surgery Website | Privacy & Usage | Edit | Staff Home | Site Map | Accessibility | Site T&C's | Service T&C's


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Group's watch and jewellery segment up 9.1% in the first half of 2013.
Swatch Group has released its report for the first six months of 2013, outlining its efforts to increase the availability of Harry Winston jewellery.
The Swiss group's sales were up 8.7% in the first six months of the year, totalling CHF4.2 billion (£2.9bn). It says it has sustained growth in all regions, with "a great deal of investment has been ploughed into the marketing activities of all of the brands", including investment relating to the redesign of booths for BaselWorld.
Swatch Group sealed its takeover of Harry Winston's jewellery and watch arm earlier this year. Its production is this sector was up 9.1% in H1, increased to ensure that Harry Winston clientele "[had] access to the best selection of jewellery as well as to increase its availability".
The report reads: "The acquisition of the Harry Winston brand did more than simply round off the group's already broad brand portfolio; it also expanded the high jewellery segment, along with the segment's value chain from production up to and including the retail network."
Swatch Group said that in the first few months following the acquisition of Harry Winston's watch and jewellery arm all debts were settled, the equity capital base expanded and the brand's inventory was also immediately increased in order to have product ready for clients when needed.
The company also notably invested in a 101.73 carat diamond, now dubbed the Winston Legacy, purchasing the stone for US$26.7 million (£17.4m) at auction, something Swatch Group says "reconfirms" Harry Winston's place as a leading high jewellery brand.
"The Harry Winston brand also has an extremely large and almost untapped potential in the watch sector, which the group now aims to expand further using its experience around the world. The necessary funds will also be invested into this activity," said the report.
Swatch Group, which now operated 20 brands, added that the integration of Harry Winston will "only really become noticeable in the second half of 2013".
Further results in the H1 report show Swatch Group's operating profit totalled CHF910 million (£632m) in the first six months of the year, with an operating margin of 22.7%, despite a high marketing spend, new production methods and the integration of Harry Winston.
The group's income increased by 6.1% compared to the first half of 2012 to CHF768 million (£533m), with a 19.2% return on net sales.
Looking ahead Swatch Group said its outlook for the second half of the year remains positive, with a strong second half-year is expected. It said that the continued integration of the Harry Winston brand will also make a significant contribution to H2, again touching on the brand's "huge, almost untapped market potential in the high jewellery and watches activities".


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Hi guys,
As you might already know, I am starting to record Free2BFit POP Nutrition recipes so you can join me and see all the details without skipping on anything and learn tip and tricks to make your healthy foods taste great and delicious.
I am sure many of you love hummus but not so much the high-sodium side effect: bloating, gas, indigestion. So today we will be making Homemade Free2BFit Hummus Dip.
Veg & Steak Tortillas Ingredients:
- 1 cup dried garbanzo beans
- 1/4 cup virgin oil
- 2 gloves garlic
- 1 lemon juice
- 1 tbsp. white ground pepper
- 1 tbsp. ground cumin
- 1 tbsp. garlic granules | salt free
- 1 tsp. smoked paprika
Cooking Steps:
- Soak garbanzo beans overnight, water to beans ration 2:1.
- When ready, rinse beans and put them in a cooking pot, add water, and half the spices. Water to beans ration 2:1.
- Bring to a boil and cook on low for 6 hours or until bean shell crack open. Drain but reserve the liquid.
- Place cooled garbanzo beans in a kitchen blender, and add the rest of spices, onion,a and 1/2 cup of reserved liquid. You will add a little more later if the mixture is not the creamy consistency and remain chunky.
- Enjoy!
And finish up with a 6 pack-abs friendly desert: Cheesy Beet, Carrot, Sweet Potato Hash and Egg Breakfast Nests or Veg & Steak Tortillas with Fresh Spicy Guacamole.
Liked my post? You can help us keep bringing FREE healthy and delicious recipes to your house:
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PEG-free, ECOCERT approved blend of polyglycerol esters and anionic emulsifiers for the production of emulsions based on mineral/synthetic oils. The product is easy to handle and can be used for a wide variety of finished products.
Creams and lotions based on mineral/synthetic oils, including blends with natural oils
We only ask for your email address before you can download; with the other data we can serve you even better.


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Карта сайта Интеллектуальная поисковая системаДобавить свою ссылку по ключевому запросу
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Shenandoah lyrics and chords. These country classic song lyrics are the property of the respective artist, authors and labels, they are intended solely for educational purposes and private study only.
Lyrics, chords and a recording of the traditional American Folk song, Shenandoah, plus information about its origins.
Lyrics: Song Index. O Shenandoah, I long to hear you Away, you rolling river O Shenandoah, I long to hear you Away, Im bound away Cross the wide
LyricsChords.net. Lyrics - Chords - songs - lyric - chord - song - music - musics - top songs - top lyrics - canciones - paroles. Use the letters below to enter in the artists pages that the name start with the letter you click.
If you dont really know how to deal with "Absus4" chord and his equally confusing brothers, just put the mouse cursor over them and you will be shown a helpful chord diagram. Chords and Tabs: Shenandoah.
Guitar chords, lyrics and tabs.
Shenandoah Chords and Lyrics. Traditional Song with lyrics and chords from American popular vernacular music, with downloadable PDF for printing.
Shenandoah TABS (TABLATURES), CHORDS. Tab Notes for Guitar. Bass Tab, Shenandoah Song Lyrics.
guitar tabs, guitar chords and lyrics. Login. username
Shenandoah chords by Trampled by Turtles, added: January 9th, 2012.
Информация взята v3.kz


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Pirate Birthday Pirate Cookies Jake and the Neverland Pirates Birthday Favors Chocolate Rice Krispie Treats Ahoy Sailor Nautical Baby Shower
Delicious custom Chocolate dipped Rice Krispie Treats decorated to look like cute little pirates! Great for a Pirate themed Birthday party dessert or favors, treats/favors for a Jake and the Neverland Pirates birthday party or a Nautical or Sailor themed Birthday or Baby Shower!
Colors of the pirate bandannas can be coordinated with any theme and colors matching your event! Please mention in the Note to Seller.
Each Chocolate dipped Rice Krispie treat comes individually wrapped, ready to hand out as favors!
You will receive 1 dozen yummy Chocolate dipped Rice Krispie Treats, ready to be devoured in no time!
More Pirate-themed goodies here - https://www.etsy.com/shop/CupcakeNovelties?ref=l2-shopheader-name&search_query=pirate
Check out more Chocolate dipped Rice Krispie Treats here - https://www.etsy.com/shop/CupcakeNovelties?section_id=16662519
Cupcake Novelties Chocolate-covered Rice Krispie Treats are made on order, once the order is placed, and is shipped out as per the event date mentioned.
Chocolate covered Rice Krispie Treats will be individually wrapped, and tied with a twist tie or coordinating ribbon. If you prefer certain colors, please add it to the Note to Seller!
All my products are made in a licensed/inspected pet-free & smoke-free kitchen, with utmost care and attention to detail.
I take all efforts to package and ship your sweet orders carefully.
Please read my shop policies here - https://www.etsy.com/shop/CupcakeNovelties/policy?ref=shopinfo_policies
Like my page on Facebook for giveaways, special offers & updates! www.facebook.com/cupcakenovelties
Check out Cupcake Novelties on Instagram (@cupcakenovelties) - www.instagram.com/cupcakenovelties
Please include the following information with your message -
Event Date -
Local Pickup or Shipping - (Local pickup is in Fairfax, VA)
Quantities/Decoration -
Shipping ZIP code -
I will get back to you as soon as I can! For any last minute orders, you can also call me at (540) 692-1406.
In case you haven't received a reply, please check your Spam/Junk folders, to make sure the email hasn't been filtered out :) Thank you!
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Last Updated on
Vimeo may not be the oldest video sharing platform, but it is far and away the second most famous platform to share helpful or quality video. Vimeo has become the favorite platform amongst filmmakers and serious cinema lovers due to its clean user experience and professional aesthetic. So, you need to know the right strategy to get more followers and views on your video to make your brand and products more popular. So read on for my tips to get more views on Vimeo!
Answered : 7 Ways To Improve Vimeo Views
1. Choose the right categories while posting videos.
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3. Work with perfect video thumbnails.
4. Add attractive and clickworthy titles
5. Make your description as descriptive as possible. Include keywords on the description.
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7. Try to get on the Video stuff pick section.
The Easiest Way To Get More Vimeo Views
Attracting real visitors or traffic to your Vimeo video is not an easy task, but if you follow some truly effective way then you can change your Vimeo page with a lot of traffic. You just need to follow this video tips and that will help you drive more hits to your content every time.
Choosing the right categories for your Vimeo video
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Joining the right groups
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Freight Dock Clutter Piles set #1
Pre-aged and layout ready HO Scale detail in bulk. When you look track side or industry side you see lots and lots of Freight goods - Piles. Here is your pack to simulate that!! series 1 of our popular Freight Dock Clutter
Made In: United States
Product Condition: New


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You must always turn off your fuel if you leave the bike standing.
It is probable, and it`s quite common, that your valve needle O rings have dried out and cracked, which allows the petrol to flow past and into the cylinder.
No 30 is what you need http://www.cmsnl.com/suzuki-dr750-1988- ... ml#results
Part no 13374-35C00. Replace both of them.


text:
By Giuseppe Avondo-Bodino
Read Online or Download Economic applications of the theory of graphs. PDF
Similar macroeconomics books
Macroeconomics: A European Perspective
Macroeconomics: a eu point of view will supply scholars a fuller knowing of the topic and has been totally up to date to supply wide assurance of the monetary situation. particularly, this re-creation offers: NEW chapters and up to date textual content throughout all chapters NEW information on Europe and the monetary obstacle And what has continually been the power of the e-book: A unified view of macroeconomics, permitting scholars to make the connections among the fast, medium, and future.
The New Fiscal Sociology: Taxation in Comparative and Historical Perspective
The hot economic Sociology: Taxation in Comparative and historic standpoint demonstrates that the research of taxation can remove darkness from basic dynamics of contemporary societies. The 16 essays during this assortment provide a cutting-edge survey of the hot financial sociology that's rising on the intersection of sociology, background, political technological know-how, and legislations.
The Keynesian Multiplier (Routledge Frontiers of Political Economy)
The multiplier is a crucial inspiration in Keynesian and post-Keynesian economics. it really is principally what justifies activist full-employment economic coverage: a rise in economic bills contributing to a number of rounds of spending, thereby financing itself. but, whereas a copingstone of post-Keynesian conception, it isn't universally permitted by way of all post-Keynesians, for purposes greatly assorted than the mainstream.
Some time past decade macroeconomic conception has gone through a notable transformation. on the vanguard has been the "rational expectancies revolution," and this school's so much magnificent exponent is Robert E. Lucas. during this dependent and comparatively non-technical survey, Lucas stories the character and effects of contemporary advancements in financial and enterprise cycle thought.
- Africa and the Africans in the Nineteenth Century: A Turbulent History
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- The Distribution of income and wealth in Korea
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- Moonshine Markets: Issues in Unrecorded Alcohol Beverage Production and Consumption
Additional resources for Economic applications of the theory of graphs.
Example text
21 (90/28). Here it is apparent that even though housing and stock prices fall 44 I N H E R I T I N G W E A LT H I N A M E R I C A at the same rate, wealth inequality goes up. The reason is differential leverage between the two groups. If asset prices decline at the same rate, net worth decreases at an even greater rate for the middle than the rich, since the debt-equity ratio is higher for the former than the latter. The converse is also true. A proportionate increase in house and stock prices will result in a decrease in wealth inequality.
One might argue that because automobile loans are included in liabilities, it might make sense to include vehicles on the asset side. However, there are many other types of consumer loans that are included in liabilities without the corresponding asset included on the asset side. These include such items as furniture loans, loans for computers and other electronic equipment, appliance loans, and so on. Also, educational loans are included on the liability side even though "human capital" is not added on the asset side.
All Households 2. Top 1 Percent 3. Next 19 Percent 4. 78 source: My own computations from the 1983, 1989, 2001, 2007, and 2010 SCF. Households are classified into wealth class according to their net worth. Calculations are based on household portfolios averaged over the period. Miscellaneous assets are excluded from the calculation. The largest declines in asset prices over the years 2007 to 2010 occurred for residential and nonresidential real estate and businesses. 23 percent because interest rates on corporate and foreign bonds continued to remain strong over these years.


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In a Mastery-Based Progression, students should reach a point of awareness of specific competencies they have already mastered and that they have yet to master. For the latter, since every student in the room might have a different set of competencies to focus on, it is best practice to create a space and time during which students can work at their own pace on specific competencies or standards.
This self-paced work can take multiple forms: Small group or 1:1 work with the teacher on a specific competency is one powerful example but while a small group work with a teacher, the rest of the group should have access to quality, organized learning resources allowing them to grow in the competency of their choice with a combination of online and face to face activities.
This strategy will help you discover Hyperdoc Pathways to Mastery or Hyperdoc Playlists and how to build them to leverage existing resources, and hold students accountable to their goals.
Choose a competency/standard and create a Google Doc focused on helping students to reach mastery in this competency. This four column structure (examples of which can be found in the resources below) can help:
1st column for the title of an activity
2nd column for the description of an activity
3rd column for notes or questions
4th column for date completed and possibly score or link to a product created
Traditional paper-based, written methods of assessment may limit ELs' ability to demonstrate their learning. In conjunction with traditional assessments, consider giving ELs the opportunity to demonstrate their learning through:
Take-home reflections
Oral presentations or re-tellings
Learning logs
Graphic organizers
Cloze exercises
Visual/image representation
The idea of creating multiple pathways for different standards/competencies can feel overwhelming at first. My advice is to start by creating just one, and without elements of choice or differentiation yet. This will help you build a skeleton to iterate from for all your upcoming pathways. It will also help you stay on top of that first one and give students feedback, which is essential. There is always time later on to create more and to give more choices and control gradually!
When you give more traditional assessments, take a moment to compare mastery data from these assessments with mastery data from the work of students in their pathway. Look for alignment and discrepancies. Confer with students to make them aware of the differences. Consider building multi-standard pathways geared toward helping students make decisions when facing a more complex problem.
A HyperDoc can be used to provide structure and detail for a self-paced activity where students are assessing at different times. A HyperDoc can be designed from templates or created from scratch using a word processing program. Students can type directly into these documents or use them as a guide for learning a concept or skill
What makes the hyperdoc a great tool for pathways is its interactivity. Students can then use their hyperdoc pathway both as a way to access content, but also to create content, ideas and reflections and share them. It is a two way street!


text:
Josef Hoffmann &
Wiener Werkstaette WW-Pende
Pendant - Jugendstil, Wiener Werkstaette Style
1905 / Edition
all Lamps of:
Ask us
print without prices
A pendant-lamp, very often used by Josef Hoffmann. Punched or plain, several finishes. Total drop custom made. Will be delivered as well with no wooden plate for the ceiling. The canopy Diameter will then be 21cm (8,25")
|custom made
|30 cm (11.81 inch)
|14 cm (5.51 inch)
|1 x Edison screw sockets E26/E27 for incandescent or LED
|max. 1 x 60W
|All components according to the UL regulations, with an additional charge we will UL-list and label our fixtures.
- Brass varnished
- Brass matt +10%
- Brass nickel plated
- Brass nickel plated matt +10%
- Patina bright +10%
- Patina dark +10%
- Patina medium +10%
- Brass lacquered in any RAL color
- Chrome +10%
- Brass gold-coloured lacquer
- Brass gold galvanized +10%
Please notice, that the shown colors will always differ
from the items we manufacture, as the materials differ
and will therefore look different. A lamp consists of casted, pressed, drawn, hammered and chased, spinning and turned brass. The patinated items can never exactly meet the samples, and the divers parts of the lamp will not have the exact same color. Soldered parts will assimilate the Patina different to the surrounding. We try to make it as similar-looking as possible. Please consider that each item is handcrafted in age-old techniques.
Energy Efficiency Class
Bulbs with energy efficiency class A++ to E can be used for this lamp.


text:
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Brad King of The Geeky Press hosts The Downtown Writers Jam Podcast, where writers and authors discuss what drives them to tell stories. You can listen to the podcast:
You can also sign up for my newsletter to keep up on the podcast, my writing projects, and generally cool literary shit.
Episode 31: KT Peterson: After hours of conversations with Brad outside the podcast, Indianapolis playwright and writer KT Peterson came by to talk about how empathy, performance, curiosity, and writing come together in her work.


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Make a walk-behind homebuilt tractor out of old car parts diy plans
Don't send that old car to the crusher! Recycle it the green way by turning it into a walk-behind farm tractor. These free vintage plans show you how.
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including the engine, this powerful
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Turn any tractor into a front end loader in this diy project
Hoist, load, and stack bulky items with your tractor using this handy homebuilt front end loader attachment. DIY plan shows how to turn your farm equipment into multi-use vehicles to save work and time on in the field or at the construction site.
Detailed cad drawings show how to fabricate the bucket and associated parts out [...]
Turn your farm tractor into a forklift vintage diy plans
Wow can you really turn a tractor into a forklift? Check out these great vintage plans to find out how to build this unique attachment yourself for pennies on the dollar!
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Tiny please keep it moving honey…smh
Tiny is over TI's Social Media Antics
By: Amanda Anderson-Niles
TI and Tiny Harris are supposed to be in the middle of a highly publicized divorce, and most of their drama has spilled over onto social media.
In a recent interview Tiny revealed that she's still very much on a roller coaster with TI and sometimes it doesn't even seem like they are divorcing.
Click next for the details.
7 Comments
They are both a damn mess.
Sigh…I really want Tiny to move on. But she's grown and she's going to do what she feels, and that's her right.
They are wasting each other's time. Either you're going to divorce or actually work on your marriage which means TI has to change and stop being a disrespectful thot.
I think I'm in the monitory but I don't think neither one of them really wants a divorce. So don't be surprised if that divorce is never finalized.
I agree.
Its hard to move on when u have low self esteem and been in love with this one person for so long and not to mentioned having children and a new child with him. As long as Tiny knows he will never be hers exclusively, do you. I think she really is trying to see if she can deal with an open marrige just to be able to be in his life romatically. It's truly a sad situation. She is showing her daughters everything you should not do in a relationship. You can't let ur loyalty become salvery.


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In life, we are all faced with a series of opportunities. Most of which I have seized; few of which were regrettable, but none of which were as exciting as my current real estate career. I admit it: I love real estate!
Being a real estate agent truly is a way of life and something no other job can even come close to. The WHY is the easy part. Here are just 14 reasons to give you an idea:
(1) How many people can say they wake up unemployed every morning? That's pretty much what happens when you're an independent real estate agent. Decide to remain in bed? No problem! Just don't be surprised there won't be any (commission) income either! The upside of this agenda flexibility is the time I can now make to spend it with my friends and loved ones.
(2) I never thought I'd say it but I love real estate agents. Don't take me wrong, there are a lot of agents whose business cards are not worth the paper it's written on but in the end, their (in)actions make me look great!
(3) I'm proud of the work that I do: professionally assisting buyers in getting their life's most valuable asset. You have a huge impact on people's lives but at times, definitely not the easiest responsibility!
(4) I guess in a way, real estate agents are like police officers. We get to know the intricate details of the people behind the plain house numbers and let me tell you: you do see and hear a few things you wish you could un-see and un-hear! Now I think of it, my wife never used to ask me how my day went but ever since I became a real estate agent, she's loving my personal version of Days of Our Lives!
(5) Besides other people's (mis)fortunes, you're facing quite a few challenges yourself. You cannot imagine some of the situations a real estate agent gets himself into when writing or presenting an offer to purchase! Or showing potential buyers a property under difficult circumstances…
(6) Whereas friends might tell me at times that they worry about how the economic conditions might result in a downsize, outsource or straight loss of job, as a real estate agent, there's no such fear!
(7) There's no discrimination. Regardless of one's educational background or previous career experience, anyone can become a real estate agent. Whether you'll survive being an agent longer than a few months is a different matter.
(8) If I thought I knew a thing or two about budgeting, I've quickly learnt how to properly plan my finances. The months of (s)low commission income definitely get compensated by a few weeks worth of commissions in the amount of an average person's year salary!
(9) The marketing aspect of the job remains a very entertaining one. Were it not for the many funny marketing errors one sees on a daily basis, things might get a bit more serious, that's for sure!
(10) Good economy? Bad economy? I like to think as a real estate agent that I'm making my own economy! My business is either good or bad right between my own two ears. Some of my best sales months are in economic down periods!
(11) It was the late Zig Ziglar who said that, "You can have everything in life you want, if you will just help enough other people get what they want." The quicker you realize that as a real estate agent, the more successful your career path will be. I love real estate for the mere fact that there's no limit what you can earn in this job once you set your mind to it!
(12) I'm enjoying the job diversity this career brings! Being a real estate agent is one big combination of being a photographer, journalist, attorney, psychologist, interior designer, housekeeper, personal secretary, babysitter, security guard, roof repairman etc to name but a few of the jobs you will perform!
(13) Having entered the real estate industry at a time when social media became very important, I'm really blessed to have met so many new real estate (online) colleagues and friends, as well as learnt so much via Real Estate Communities.
(14) Quite recently, I changed real estate companies and I'm proud to be part of a small team of real estate professionals, doing what they love: selling properties in Johannesburg!
Do you think it would be as easy for you to get as excited about your job as I am about mine?
I can honestly say: I love real estate! Could you?
About the author: The above article "Why I Love Real Estate (And You Should, Too!)" was written by Xavier De Buck, your top-producing Johannesburg real estate agent. Xavier has been nationally recognized and awarded for providing service excellence, exceptional property sales, whilst exhibiting the highest level of professionalism. With over 15 years combined experience as a real estate agent and real estate investor, if you're thinking of buying or selling a home in Johannesburg, Xavier would love to share his property knowledge and expertise.
Xavier has more than 65,000 followers on Facebook, Google Plus, Twitter, Pinterest, Instagram and LinkedIn.
Make sure to connect!
© 2015-2020, Xavier De Buck. All Rights Reserved.


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You are here
Singapore stocks finish higher; STI jumps 1.3%
ON Thursday, the eve of the final day of the second quarter, the Straits Times Index managed an impressive 42.95 points or 1.3 per cent jump to 3,258.65 as buyers drew inspiration from a large overnight rally on Wall Street.
The index's gains were led by the banks and Singtel, and observers said some of the push could have come from funds indulging in a spot of quarter-ending "window-dressing" or "portfolio rebalancing".
Whatever the case, volume amounted to 1.7 billion units worth S$1.2 billion - the highest this week - and excluding warrants there were 310 rises versus 155 falls throughout.


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We have a secret recipe when it comes to catering, but why not...we will share it with you. First we start with a whole lot of passion for what we do (creating amazing events) and whom we are doing it for (you.)
…then we begin…
The Chef Experience: Your event comes with your own chef. We pair you up with a chef on our team that best reflects your culinary style and vision. From the menu design process to the day of your event, and the days in between, your chef will always be available to meet with you to brainstorm ideas, customize options and carry out your vision.
Event Coordinator Collaboration: Now that you have the perfect menu, what about everything else? That is where your event coordinator comes in - ensuring that everything is happening when it should be, as it should be - overseeing timelines, layouts and our highly-trained service staff.
The Little Things: Your chef remembers you love fun, inventive chocolates and makes you a batch as a surprise; your event coordinator recalls you talking about Spanish Cava and brings you a bottle of her favorite. We work with local farms, infuse our own olive oils and butters, take pride in our Eco-initiatives, and give back to the community.
A Baltimore native, Chef Jim Benson's first and only culinary job before launching Eleven Courses was illegal. Just barely a teenager, not officially old enough to work, Jim got a job at a local grocery store in the produce department. He fell in love with the simplicity, beauty and freshness that surrounded him every day and started bringing his work home. Over a decade later, after graduating college, countless dinner parties for friends and family and extensive international travel, Jim created Eleven Courses with his wife, Melissa.
Jim is regularly featured on FOX, ABC, CBS, and USA for the latest in wedding, food and event trends.
Hey Chef, what's your style?
My style is bringing the client's vision to life. I thrive on creating clean, un-muddled, layered flavors. I love to push boundaries in the kitchen; opening people up to a new experience - challenging them to rethink about the foods they've loved their whole lives.
Eleven things that Jim Benson loves:
Family, foie gras, tasting menu, ocean-to-table, traveling, local cheese, red wine, French macaroons, sushi, Italy, my guitar
Melissa grew up in a very food centric family – exposed to great restaurants from a young age and use to something always cooking in the kitchen. "Family dinners were a big deal in my house and I loved every night was a true celebration of good food and people." Jim and I met in college and he started spoiling me with his cooking right away. We entertained all of the time and I was constantly going out and buying new places settings, centerpieces, etc. to design the perfect event. After one epic eleven course dinner party, our journey began – weddings, galas, corporate affairs and soirees of all kinds.
Melissa often joins Jim on his television appearance as a design & event expert.
Eleven things that Melissa Benson loves :
Fresh vegetables, Aubriel, Ariette, Jim, weddings, chocolate, mojitos, sunshine, (Jim's) shrimp & grits, our team, exploring.
Chef Shaun has had a passion for food for as long as he can remember; cooking has always made him happy. He attended the Art Institute of Philadelphia and after working in many restaurants found his home at Eleven Courses where he constantly brings new ideas to the table – helping to develop some of our greatest culinary creations.
Eleven things that Shaun Mengel loves :
Wood-grilled pizza, my beautiful wife and 3 children, hospitality, a great merlot, vintage t-shirts, cowboy ribeye, tattoos, cheesecake, Dr. Who, 90's video games, risotto
Janae graduated from the Culinary Institute of American with a Bachelor's Degree in Baking & Pastry Arts and Business Management. Janae has worked in some of the top restaurants in Baltimore and while she has mad pastry skills, she craved the client interaction of the front-of-the-house. She came to Eleven Courses to make that dream come true. She gets to have her cake and eat it too (or make her cake? and eat it too.) When she isn't coordinating dream events for her clients, Janae collaborates with our chef team on designing our pastry menus.
Eleven things that Janae loves:
My family, extravagant dinners with my sister, laughing, all music, rearranging furniture, the feel of a good book, traveling to Lisbon, my grandmother's hand-written recipe box, pinups, photography, Pinterest
Matt came to Eleven Courses after several years as a kitchen manager at a local seafood hot spot. Matt first knew he wanted to join our team when we catered his cousins wedding. He loves interacting with our clients and bringing flawless events to life. Matt is a truly talented and dedicated team member and has the ability to make the impossible happen!
Eleven things that Matt loves:
Dogs, My family, Swimming, Waking up on Christmas Morning, When late spring meets summer, tacos, making people laugh, singing and karaoke , cocktails, the beach, Grey's Anatomy
Hannah is a graduate of Towson University and our newest member at Eleven Courses. Our clients love her caring and positive attitude and her ability to remain cool under pressure. She is a quick thinker and always ready to rock and roll!
Eleven things that Hannah Lerch loves:
Weather, Classic Hotdogs, Kittens, Reading a long novel, Family, Fall leaves changing color, Going to the movies, Road trips, Exploring new cities, Celebrating Halloween, Cold brew coffee
Eric Stocklin Photography
Kristina started out in management at a large company before joining Eleven Courses as an event coordinator. Her sense of humor lights up her coworkers' days and you can hear her telling a funny joke whenever you come into the office. Her love of food comes from her grandparents, who owned their own bakery, which she remembers running through as a child.
Eleven things that Kristina loves :
Family, the color orange, when Fall meets Winter, homemade Ice Cream, the Eastern Shore, Christmas, dogs, crabbing, cocktails, Saturdays, love.
Daniel McGarity Photography


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Course Registration for Fall Semester 2019
Congratulations on your acceptance to one of the world's most comprehensive programs in international affairs, and welcome to PSIA!
Please find below a summary of the Fall semester 2019 course registration procedure so that you can best prepare to embark on this new academic journey.
Please ensure you check this page regularly, as dates may be subject to change. Please note that all times are Paris-times, currently Central European Summer Time (CEST) / GMT+2 hours.
Online course registration for incoming PSIA students in 2019 will occur in three phases:
• Phase 1: Thursday, June 13 and Friday, June 14, 2019, 10:05 am - 11:59 pm (Paris, CEST):
Pre-Registration - Online selection of concentrations by each incoming student.
• Phase 2: Monday, July 8, 2019, 3:35 pm - 11:59 pm (Paris, CEST): Course Registration for Master Core
Curriculum, Sciences Po Common Core Curriculum, Skills and Languages, first-come, first-served. (This phase does not apply to one-year Master in Advanced Global Studies students).
• Phase 3: Tuesday, July 9, 2019, 3:35 pm - 11:59 pm (Paris, CEST): Course Registration for Concentration courses and optional courses, first come, first-served. (This phase does not apply to one-year Master in Advanced Global Studies students).
• For all exchange students: Registration on Friday, July 12, 2019, 3:35 pm to 11:59 pm (Paris, CEST). Exchange students at PSIA are offered to take courses across the great diversity of Masters and concentration programs at PSIA.
Please consult the FAQ for course registration.
For questions that may arise during registration, please email your academic team.
- Phase 1: Selection of your two concentrations on Thursday, June 13 and Friday, June 14, 2019
PSIA students are admitted to a master program and then choose two concentrations. PSIA students tailor their course of study through in-depth exploration of a master program, and have the opportunity to sub-specialize not once, but twice, by enrolling in two concentration programs.
Students must choose 2 concentrations which they will follow for the duration of their studies at PSIA.
(Please note that dual degree students must choose 1 concentration only, which they will follow for the duration of their studies at PSIA).
Each semester, students take 2 concentration courses: 1 in each concentration. A concentration in Regional Studies is recommended for all students.
With 7 master programs and 21 concentrations, PSIA students have thousands of possible combinations of master and concentrations for their academic program. No two PSIA students are alike, as PSIA offers you the freedom to design your very own career profile, ensuring a cutting-edge on the job market.
Before selecting your concentrations in June, we strongly encourage you to consult the vast array of concentration programs available to you at PSIA during your course of study. To find a detailed description of each concentration, please explore the concentrations.
Students pursuing a master where the specialisation is also offered as a concentration have no obligation to also register for this same concentration. Some students may decide to do so in order to deepen their expertise, but we usually encourage our students to benefit from the wide variety of our programs and diversify their profile in preparation for their future career plans.
Process to select your concentrations:
Connect to your Student Account:
· Click on Student Interface: Course Registration
· From the Menu "Select a Term": Please choose 1er Semestre 2019-2020
· Then, on the Page "Register for your Courses", please click on "Choix de Concentrations - Concentrations Choices"
Phase 2 and Phase 3: Course Registration
Course selection is on a first-come, first-served basis. We are aware that the scheduled times may not be the most convenient for our students across the world, however, as our school is representative of approximately 100 countries we make an active attempt to choose the time most convenient for the majority of our students.
Selecting your concentration programs and then the courses you will follow are key: we take immense care in designing a curriculum of excellence, with hundreds of professors and professionals who are acclaimed by our students and who have contributed to global affairs at the highest level. The three phases of course registration are a very important time for you, so please familiarize yourself with the process and with the website well in advance of registration.
Additionally, please be certain to activate your sciencespo.fr e-mail account as soon as possible, if you have not already done so. After the registration period, all official university communication will be sent to your sciencespo.fr account only.
Should you have any specific questions related to your choice of concentration, courses, or questions that remain unanswered by these resources, we invite you to contact your academic advisor:
All contacts are on the academic pages of your Master program:
Master of International Security
Master of International Public Management
Master of International Economic Policy
Master of International Development
Master of Human Rights and Humanitarian Action
Master of Environmental Policy
Master of International Energy
Master of Journalism and International Affairs
Master in Advanced Global Studies (one-year): students are invited to contact the Academic Advisor for the track they have been admitted to at PSIA, see above.


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