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Gifts for 11 Year Old Girls
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Ifecco Bluetooth Headphones
Kanoodle 3D Puzzle Game
Lascoota Scooters for Kids
A brilliant and stylish scooter with rubber handles, brakes, suspension and can be folded up for portability.
LED Fantasy Jellyfish Lamp
Anyone who loves sea creatures will want this realistic animated jellyfish lamp with 5 color changing effects.
Luwint Colorful Lighting LED Gloves
Nintendo Switch
Rainbow Loom Bracelet Craft Kit
Spontuneous The Song Game
Best gift to buy for an 11 year old girl
Age 11 is an important time for a girl as this is considered the beginning of the developmental stage to becoming an adolescent. During this time you'll notice changes in personality and certain priorities. When buying a gift it's a good idea to consider this change and look towards a gift that is more age appropriate as opposed to child-like and so perhaps look more towards accessories or games as opposed to toys.
If this all sounds a bit complicated then don't worry, we have you covered. After many hours of research we have put together a selection of gifts appropriate for an eleven year old girl.
We've based our selection on important developing skills such as creativity, dexterity, knowledge, confidence and social skills. We only select gifts with high popularity, rating, availability, quality and value. Then, once selected we sort them into categories such as brainiac, sporty, creative, musical, adventurer, funny and role-play so you can easily find the right gift for your 11 year old.
Below we have a short description of each of the important developing skills and why they should be considered when buying a gift.
Creativity is a skill for life. There will always be times in life when you need to be creative and assisting development with this from a young age will certainly help as a child becomes an adult. Creativity comes in many forms, not just drawing or painting, but also creative writing, musical talent, innovation, design and even conversation. A creative person can come up with great ideas which is a skill that goes a long way in life. If your 11 year old girl enjoys being creative then you are in luck as there are many gifts to choose from. However, to save you a lot of time searching through them all, we have selected what we believe to be the best and most popular creative gifts that money can buy on the market today.
Dexterity is the physical ability to perform tasks, especially with the hands. This is really important as the hands are used most of the day every day especially as part of most careers. A gift that assists your eleven year old girl's dexterity will be really beneficial to her in later life, especially if she has a career that requires precise use of the hands such as a doctor, dentist, musician, painter or mechanic. Gifts in this area can be things like crafting kits, coloring books, musical instruments or sewing kits.
It is important to keep her mentally challenged as young brains are different to older brains in that they retain information better. It is important for them to continually learn at this age as they will retain that information for life. Books can make a great gift because there are so many to choose from and it's easy to find a book with a topic your 11 year old girl takes an interest in so she can learn more on the subject.
During rapid development into adolescence a girl can find social situations a little more complicated than they once were as a child. This can sometimes be a little intimidating, so to prevent your eleven year old girl from losing self-esteem it is important to consider gifts that can give a boost to confidence or contain therapeutic elements or mindfulness. Anything creative can help with this as it's not only therapeutic to create, but can be a confidence booster upon completion of seeing your craft come to life. Sports and games can also assist with self-esteem and confidence due to the competitive nature and so can install a drive to win.
Social skills
No matter what you do in life you can never go wrong with strong social skills. Encouraging your girl to play with friends and family keeps her socially engaged and so during this she will be developing valuable social abilities. Social skills are the ability to read and understand other people and so be able to easily interact. There are many gifts that encourage social interaction and the more different personalities she interacts with the stronger these skills will become. Multiplayer gifts include things like board games and sports.


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Check out this video put together by together by Nick Ray and Andy Richardson during his recent Lonely Planet research trip through Northern Laos for the new Laos Lonely Planet guidebook, out in bookshops now.
Nick was covering Luang Prabang and Northern Laos for new 8th edition of the Laos guidebook. The Elephant Conservation Center was one of the standout new additions for the latest book, located in Sayaboury Province in the far west of the country. A new bridge and road link means it is just two hours from Luang Prabang.
Nick Ray and Andy Richardson studied at the University of Warwick together back in the 1990s and have since had the opportunity to work together on several filming assignments for Lonely Planet and other leading global brands.

subset: commoncrawl


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- Up to 110% more light on the road a big improvement from the Night Breaker plus bulbs. More light will help to illuminate up to 50-75 metres on the road therefore improving safety.
- Up to 40 metres longer light beam improving visibility and allowing hazards along the road ahead to be seen sooner giving you more time to react.
- 20% whiter light reducing eye strain and making night driving more comfortable and safer for you and other road users.
- Up to 50% improved bulb lifetime over other Osram upgrade bulbs.
The Motorbike Night Racer 110 Range headlight bulbs are the most powerful upgrade from Osram to date. Osram have pushed the boundaries and developed the Unlimited bulb which produces up to 110% more light on the road compared to a standard Osram bulb. This increase in light will help to significantly improve your night time vision and create a safer driving experience.
Osram have now added more visibility to their bulbs with a 40m longer light beam when compared to standard bulbs. This improvement ensures better illumination of the road ahead and it also provides increased visibility of potential dangers in front or at the edge of the road. The Unlimited bulbs improved visibility creates a safer driving experience as the driver can clearly see the road ahead.
The Osram Night Racer 110 reflects the next generation in improved car lighting, providing even greater safety with a 20% whiter light. Objects such as road signs and road markings appear in a more natural colour and are much easier to read. The light effect generated makes night driving much more comfortable and ensures far less fatigue.
The Night Racer 110 is also extremely durable and has a 50% longer lifetime making these a reliable and cost effective.


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Dan Auerbach, Hacienda & Those Darlins (all now in Austin for SXSW) @ Bowery Ballroom, NYC – pics
photos by Toby Tenenbaum
Opening with the baleful, empathetic harmonies of "Trouble Weighs A Ton," Auerbach brought a naked emotion and a touch of pathos not typically found in his Keys' performance. For the most part, Auerbach's solo set didn't deviate too greatly from The Black Keys' brand of heavy blues….
On "When The Night Comes" and "Goin' Home," Auerbach delves into the doleful acoustic style of the blues, generating earnest pleas from the depths of soul. It's a fine contrast to the menacing stomp of songs like "The Prowl" and "I Want Some More" and reveals Auerbach as more than a one trick pony. When Auerbach follows wherever his reverb-heavy guitar takes him, good things usually happen. Even if he didn't turn the reverb on ultra for "Heartbroken In Disrepair," the superlative song resounded mightily. [Earvolution]
That description is from the Those Darlins, Hacienda, and Dan Auerbach (of The Black Keys) show at Bowery Ballroom on March 3rd.
"Dan Auerbach has his first solo album out, but solo is hardly how he presented his music Tuesday night in New York. Backed by San Antonio band Hacienda and Patrick Hallahan of My Morning Jacket chipping in as a second drummer and percussionist, Auerbach was clearly enjoying the give and take he perhaps misses with The Black Keys…..
…Openers Hacienda hung out in the subway tunnel with us before the show for a bit of chat….Those Darlins were indeed. They won us over and we'll be chatting up the band in Austin at South By Southwest." [Palestra Music]
All three bands are at SXSW this week.
Those Darlins' schedule includes the official BrooklynVegan SXSW showcase at Club DeVille tonight, (Wed, March 18th) and the My Old Kentucky Blog/Aquarium Drunkard party happening Peckerheads on Sixth the next afternoon.
San Antonio's Hacienda visits Headhunters and The Parish (both tonight) and Emo's Jr on Thursday (3/20).
Also playing in Austin tonight (3/18) is Dan Auerbach at the Parish with Hacienda. More pictures from Bowery Ballroom below…
Those Darlins…
Dan Auerbach…


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UN rights chief Zeid in probe call after Israeli military shoot disabled protester
The fatal shooting by the Israeli military of a wheelchair-bound demonstrator from Gaza was a "wanton act" that merits an independent investigation, the UN human rights chief said on Tuesday.
Zeid Ra'ad Al Hussein's appeal follows the death on Friday of Ibrahim Abu Thurayeh.
The 29-year-old was one of hundreds of Palestinians taking part in a protest at the U.S. decision earlier this month to recognise Jerusalem as the capital of Israel.
Rupert Colville is a spokesperson for the High Commissioner:
"Lethal use of firearms should only be employed as a last resort.however as far as we can see, there is nothing whatsoever to suggest that Ibrahim Abu Thurayeh was posing an imminent threat of death or serious injury when he was killed. In the words of the High Commissioner, given his severe disability which must have been clearly visible to those who shot him, his killing is incomprehensible and is a truly shocking and wanton act."
Widely predicted protests at the U.S. statement on Jerusalem have resulted in five deaths, hundreds of injuries and the large-scale arrests of Palestinians, Mr Colville added.
Alarm over spike in Yemen airstrike victims � OHCHR
To Yemen now, where the UN human rights office (OHCHR) has warned of a surge in civilian casualties from airstrikes by the Saudi-led coalition engaged in fighting Houthi rebels.
Latest data gathered by UN staff in the war-torn country indicates that 136 people were killed in the governorates of Sana'a, Sa'ada, Al Hudaydah and Taizz from (the) 6th to (the)16th of December.
The targets of recent aerial strikes included a wedding party in which nine children were killed, and a prison in which more than 45 inmates died.
The UN human rights office said it is also concerned about violence by Houthis against members of former ally President Ali Abdullah Saleh, who was killed earlier this month.
These violations include attacks and arbitrary detentions, according to OHCHR, which says that the conflict has claimed the lives of more than 5500 Yemen civilians to date.
Aid response picks up for Ukraine families on contact line
Aid has been stepped up for vulnerable communities in eastern Ukraine, amid ongoing conflict and plummeting temperatures, humanitarian agencies reported on Tuesday.
The conflict between government forces and separatists is well into its fourth year, and has resulted in the uprooting of populations in Donetsk and Luhansk.
Winter has brought additional hardship for people who cannot maintain safe temperatures in their homes.
Andrej Mahecic from the UN Refugee Agency (UNHCR) warned that in January, temperatures drop to minus 20 Centigrade:
"In some villages, the infrastructure such as gas pipes have been damaged by shelling and, as a result, coal and firewood, represent some sole means of heating homes. Our staff report that the people are often forced to make choices between essentially buying food and medicines, or fuel to heat their homes."
Amid ongoing humanitarian access problems near the contact line, the International Organisation for Migration (IOM) and UNHCR are providing coal, winter clothing and cash grants, as well as distributing cast-iron stoves, and repairing homes.
According to UNHCR, 1.5 million people have been displaced internally by the conflict and another million have fled the country.
Cameroon violence forces thousands to flee to Nigeria � UNHCR
Staying with UNHCR, the agency has stepped up life-saving support to thousands of people displaced by unrest from English-speaking areas of Cameroon to Nigeria, it said on Friday.
Tensions between security forces and pro-independence demonstrators intensified in October in Cameroon.
Since then, more than 7,000 people have been registered as refugees in south-east Nigeria.
Thousands more people are also waiting for their turn for registration, UNHCR spokesperson Andrej Mahecic told journalists in Geneva:
"Given the remoteness of the area, it is very difficult to access and to get a precise finger on the pulse in terms of what might be the daily arrivals at this stage. But certainly we are in the process of beefing up the presence there and as I said, moving on with the government on the registration."
Irregular food deliveries have meant that some refugees have reported going hungry for days, UNHCR said.
The agency's objectives include improving food distribution, improving access to latrines, upgrading shelters and installing more communal lighting.
Source: United Nations Radio


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DESPITE brave and confident statements from the government and some developers there appears to be little or no movement. It is tempting to blame the worldwide recession for this crisis, but the reality is much closer to home.
The market has dried up because the reputation of the property market has been destroyed by appalling controls, a ridiculously lengthy process and corruption.
Potential investors would be mad to trust their money here without effective safeguards. The international crisis has merely provided the catalyst for putting property markets under the spotlight.
In Cyprus this spotlight caused many vulnerable home buyers who thought their purchases were secure to question and protest through such organisations as the Cyprus Property Action Group. This travesty was predicted at least three years ago and much to the annoyance of the government was called the Cyprus Toxic debt!
But who destroyed this reputation? It is tempting to focus on one particular group or another, but the blame must be shared by many.
Unscrupulous developers have raised capital by reselling (mortgaging) property that they had already sold to someone else through a contract lodged with the respective lands office. This is fraud. It must have been committed if, on their mortgage application, the developers signed to say that no one else had a call on this property.
If the developer had sold the property and signed a contract with the purchaser knowing that a bank had first call upon it then this is also fraud. But it takes more than one party to commit these acts of fraud and the banks must also accept their share of culpability.
If the banks had carried out due diligence, they should not have loaned money on property to which someone else had a legal call. Indeed, did they even ask the question of the loan applicant? If not, they are guilty of negligence and should be fired! This is not shutting the stable door after the horse has bolted but merely complying with banking rules.
The lawyers who advised the property buyers must also be held responsible for not conducting thorough searches to discover whether the purchase was sound and whether the developer had borrowed money with the property as security. The Law Society bears a huge responsibility for not enforcing its own rules and disbarring members of its profession who both represent the buyer and the seller, thereby causing a conflict of interest.
The legal and judicial system deserves mention. Had the police investigated acts of fraud and the judiciary found perpetrators guilty and effectively punished them it would have demonstrated a serious resolve to stamp out such crime.
The next category may be uncomfortable to many, but the purchaser must also take some measure of responsibility. Those purchasers who came from the UK are well aware of the stringent safeguards that are in place to protect them when buying property there. Yet when they come to the sun they forgot all common sense and seemed to believe that the nice developer's solicitor would be fine working for them as well!
They also failed to ask the nice solicitor whether his firm would conduct a thorough search on the property and the financial circumstances surrounding it! How do we know what level of search is conducted unless we ask? We cannot assume that standards are the same as those of our own country.
And what of the purchaser who does not want to pay their transfer tax? There are probably in excess of 130,000 people who are awaiting their Title Deeds. Many have waited for over a decade and may not wish to pay this additional tax, particularly if they are to be fined for any improvements and additions they have made to their property over these intervening years! Transfer tax is an unfair tax in that it cannot be predicted when it is due. It is also open to corruption, both from the purchaser/seller and the state. In addition there is no compunction to accept your Title Deeds.
Would it not be better to increase stamp duty (an incorruptible system because the revenue from the stamp purchase goes directly to the government) a little because a "little of something is better than a lot of nothing". Stamp duty is also collected at time of purchase not at some indeterminate later date when titles are transferred. Those property purchasers who did not want to pay transfer tax would no longer have any incentive to delay or obstruct.
Finally, the government needs to take its share of the blame. But wait a moment, which government? This problem has been going on for many years, but the advent of the Internet has meant that this dirty washing is now being thoroughly aired world-wide, and the uncertainty of the economy has caused panic amongst those who now know that their properties are at risk. Certainly, to my recollection, there were incidents of developer malpractice dating back at least 12 years.
And how many governments have tried to address this problem and introduce legislation in an attempt to improve the credibility of the property market? Only one: the current AKEL led administration. However their attempts to drive the five complex strands of legislation through Parliament are continuously obstructed by special interest groups leaning on Members of Parliament to support their vested interests. It is not the government who should take all the blame – indeed they have tried to do something about it – but parliamentarians. They have failed to realise that, in their bid for popular support, they have put the future of Cyprus' property market and indeed the economy at risk.
In the same way that the UK property market is dependent on first time buyers the Cyprus property market is dependent on foreign buyers because its domestic market is not large enough to stimulate a recovery. The foreign market was traditionally dominated by British purchasers who fell in love with this island on frequent holidays. Other nationalities, notably the Russian market, are being touted, but, guess what? The Russians use the Internet as well and are increasingly cautious. We now have a prophecy which has become self fulfilled!
(Name and address withheld)
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Thanks for another awesome post. I am quite sure this article has helped me save many hours of reading other similar posts just to find what I was looking for. Keep up the good work: Thank you!
Well it's all here and you have to agree. I still think it's worth while getting onto our Euro and UK MPs there is not much else we can do. Apart from warning every one we meet about the dangers of travelling to and buying property in Cyprus. Fraud by lawyers is endless so who do you trust ?
Sorry I can't answer that question.
The ECB is basically Germany. Angela Merkel knows it's political suicide to continue writing blank cheques to poor relations and the watered down package of reforms she wanted in December is still not watered down enough for the indebted nations (i.e. the Greek and Irish governments want their bond-holders to be bailed out by the ECB if/when they default). At some point, Germany will pull the plug and no-one else gets bailed out. Cyprus banks will default and as Johnny Cyprus states below, don't leave any money in Cyprus banks. Or in Euro at all, for that matter.
Where does that leave us?
There won't be any reform of housing practices as there will be no need to.
This whole Cyprus property scam was not about property. Anyone and his dog (former goat herds, teachers, solicitors, shop-owners) who owned a bit of land (some even didn't own land they just had access to capital and built on OTHER'S land) could borrow against it, sell property built on it, borrow against it AGAIN, possibly sell the same property again and then build more, repeating the process ad infinitum. We KNOW that a lot of money borrowed to build property went into nice cars and holidays and foreign bank accounts, with some properties never even being STARTED. There are so many irregularities in the system because the system was not designed nor intended for the building, sale and regulation of property transactions on the scale witnessed over last few years. This scam could have taken place over any so-called asset, it just so happened that the asset concerned was property, as there was a large and gullible expat population who were willing to give the borrowers even more money for it.
If anyone disbelieves, just look at how, instead of trying to find solutions, the government emphasis is on fleecing even MORE money out of us. I'm sure there were many Cypriots kicking themselves with disbelief at how the worthless bit of dirt track that's been in the family for years was now worth up to €5,000 per square metre…
It's the very structure of the EU that allowed these chancers to fill their boots. Watch and see what the EU does to resolve the problem…
Coincidentally, today I have received an e mail from a long established Larnaca developer, advising me that my deeds are ready. Credit where it is due. As a balance, I am still awaiting deeds after nearly 6 years from another well known developer in Paphos.
Up to 2008 a large part of the Irish Banking sector was directly or indirectly controlled by Developers and Building Contractors. Deposits were diverted into soft loans to these peoples businesses and reckless mortgage lending to the buyers of the property they built.
When the money ran out the Irish government and ECB finally had to step in, otherwise the whole system would have collapsed and Depositors would have lost their money.
Cyprus is now in a very similar situation to Ireland in 2008.
Some large Developers might be out of business if they did not have control over certain banks.
Cyprus buys 4 Euros of imports for every 1 Euro it exports. The 'Economy' has been largely supported by large capital inflows arising from foreign buyers of real estate. So successive Governments have held back from reforming the property and banking sector. They have stood back while unscrupulous practices like the so-called 'Specific Performance' trick bicycle was peddled.
Maybe reform will be forced upon them soon, just like Ireland. Something's gotta give; don't leave a lot of money in Cyprus Banks.
Surely anyone can now see that Cyprus is about to implode! Corruption in banks, lawyers,developers and politicians have caused this and now the whole island will suffer. With more and more people being made aware of the heartache that will follow if you are stupid enough to purchase on this unbelievably corrupt island the place will become a no go area.
And with a large property show at Birmingham just round the corner it is known there will be over 100 protesters shouting and screaming the pitfalls of buying into the island of nightmares . We, along with many other families spent over £6000 on our Cyprus holiday last year, but never again will I give anyone on that island any of our money. Just watch all the bars, tavernas etc complaining that it is quiet and no Brits are spending here now, good ! That's what you all deserve.
So called honest Cypriots should be standing up and making a fuss and helping us to maintain there beautiful island and help kickstart there economy . However I don't think they ever will and therefore deserve what they get !
Your right and I've been saying the same all along..
None of you guys are Ever going to see justice or your Title Deeds for many many years to come.
Scream, Shout, Kick and stamp your feet as much as you like. It wont change a thing.
MEP's and local MP's…hah hah hah. Little people with big job titles. What they going to do for the common people that have been tucked up by Cypriot business people.
Just remember, before you throw back the keys and tell the banks to stuff their dirty dodgy mortgages, make sure you have NO assetts in the UK.
You Know What I'm saying….don't you!
Without wishing to "kill all hope" as I have been accused of before, I think that the reliance on the EU to do anything to resolve the Cyprus property issue is unfounded. I really would like people to read this rather heavy article: http://investmentwatchblog.com/why-the-european-union-is-doomed-the-structural-flaw-at-the-heart-of-the-e-u-dooms-it-and-the-euro-to-either-dissolution-or-radical-tranformation/
The most important line, to my mind is this: "The Union consolidated power over the shared currency (euro) and trade but not over the member states' current-account (trade) deficits and budget deficits. While lip-service was paid to fiscal rectitude via caps on deficit spending, in the real world there were no meaningful controls on the creation of private or state credit or on sovereign borrowing and spending".
Simply put, the EU was in a mess from the creation of the euro (if not before). It allowed all sorts to join the single currency and to lend to our friends the developers at cheaper rates than they ever deserved. The Cyprus government has virtually guaranteed all developers amnesty and is blackmailing us the expats to get money back for the banks and themselves, leaving the developers assets intact.
The lawyers, developers, bankers saw a chance of getting quick money, in a completely unregulated environment, and they took it. Evil, immorality, badness, childishness and all the other things I've read Cypriots being accused of have nothing to do with it.
NO-ONE WILL HELP US, not the EU, not the Cyprus government, not our government (remember, the SBAs are the British government's only real interest here and they certainly don't want to risk their continued presence for anything).
We have no option other than to help ourselves. We were caught in a Ponzi scam and we are on our own with the consequences. I feel we have no other option than to consider our investments in Cyprus as losses and do all we can to not part with any more money, as well as alerting people not to put any more money into Cyprus. Unless of course, someone has a better plan….?
This problem is not confined to the South of Cyprus (ROC). Unfortunately the same applies to North Cyprus (TRNC). It is a Cyprus wide issue and therefore a stain on Cyprus and it's people. The south being part of the EU, you would think that there would be greater chance of legal redress but sadly it appears not. It is a stain on the reputation and standing of the EU as well.
Peter. That is a big part of the problem, who to trust? it is all very well saying get yourself a good lawyer but no one really knows until it is too late.
Lawyers need to get rid of the crooks in their midst to encourage trust but I fear this is just wishful thinking.
Then I stand corrected regarding compulsory membership of the Bar Association. My understanding (when I was last in Paphos Court and dealing with a British Cypriot Solicitor) was that he needed to be have passed the examination of the Cyprus Bar (which he was waiting to do) to prove competency, but membership of the Bar Association was not compulsory. I stand corrected.
But I know that two of the defence lawyers, (both barristers) were having a laugh at one of their number having gone to "help the orphans" with over £1.5 of clients money and there was definitely no compensation for their clients. One of my neighbours also sold a plot of land and then had to sue his own solicitor who refused to hand over the money to him.
I don't know if when sell who you can trust with the money? Certainly not you own lawyer.
I suspect that many Developers will run to countries like Bulgaria along with their millions of stolen cash.
As Bulgaria is an EU member, I wonder if these scum bags can still be brought to justice and their assets frozen.
As I've been saying for many many months. The longer the Cypriot Government drag this out, the more time they are giving the thieving dirt bags time to hide,run & filter their cash.
So you have NO chance of EVER seeing it again!
Land & Money will change hands from family members. These scum bags will do their best to hide their illegal hoard.
This is going to be the BIGGEST Ponzi scam of the Century !!!
@Peter. As far as I am aware, there are only advocates in Cyprus and there is only one regulating body the Cyprus Bar Association (and its associated body the Disciplinary Board of Advocates). To practise law in Cyprus and represent clients in court requires the advocate to be a member of the Cyprus Bar Association. Can anyone confirm this?
Can you or anyone explain further what the 'Legal Association' is?
A well crafted letter which mirrors what many of us have been saying and writing for the last few years concerning the nefarious activities of developers, banks and lawyers. Make no mistake, this has been a conspiracy on a grand scale which continues unabated.
The game's up in Cyprus and there's nowhere to hide for the ruling classes now that the property fraud involving the developer, legal and financial 'fraternities' has been exposed worldwide. The odd purchaser of real estate may possibly be seduced into buying a jerry-built, deedless and by definition worthless property. However, the heady days of developers taking unsuspecting buyers on rounds of wining and dining, meeting their respective families and drinking coffee in their 'quaint' villages are well and truly over.
The ultimate culprits in this shoddy tale of institutionalized chicanery have been successive governments for allowing this to occur in the first place. Having said that, are any of us in the least bit surprised? The majority of the Deputies (MPs) are lawyers and many of the Ministers are members of this same 'profession'; to emphasize this modus operandi of incestuous relationships, a leading Executive of one of the developers is one of the top dogs of one of Cyprus' leading banks.
What compounds this state of affairs is that this present government continues this tradition and fails to respond to the most basic of requests made to it, whether from individuals or even Members of the European Parliament, employing this weapon of silence as part of its cruel, strategic arsenal of inaction.
The list of such 'weapons' has no end.
Denis O'Hare.
As usual, your erudite comments and general advice have been a Churchillian voice in the wilderness which has been ridiculed by some and ignored by many who chose to believe that things weren't as bad as they were and that you were scaremongering. The reality has in effect been worse and regrettably there's no end in sight to this nightmare of broken dreams and financial ruin. Thousands are caught up in this catalogue of corruption and their lives are in effect in a state of limbo, many with failing health and diminishing resources.
I understand that developer indebtedness to the banks is nigh on 6 billion euros (more perhaps?) and that the developers simply do not have the resources to either pay this off or even service their interest payments. (Perhaps you have up-to-date information regarding this).
The general view is that the end of the line has been reached and I have to admit that I concur. The European Parliament dimension/involvement seems to be wanting and I suspect that apart from platitudes of support and 'shock' at what we tell them is happening here, this is the best that we can hope for – certainly at the moment: I suspect that they're more focused on events in Libya, Syria and elsewhere, not forgetting the financial turmoil in Greece, Ireland and Portugal.
In conclusion, thank you for your efforts and detailed, factual exposure of this scandal.
Once again thank you too to the writer of the letter – whoever he or she may be.
There is no requirement for practising Cypriot lawyers to belong to an organisation such as the Bar Association (Barristers) or the Law Society Solicitors. In Cyprus there is no difference between a solicitor or a barrister you can use either for your house purchase.
Further unlike the UK the Legal Association does not indemnify the dishonesty of the Lawyer, so if they abscond with your money you are the loser. You can make a complain to the Association about a lawyer but it is pointless as that individual will just relinquish their membership (if they were a member in the first place). One Lawyer recently 'did a flit' to Bulgaria with over £1.5m of clients money. The client's are the losers, so be careful to who the proceeds of your home are handed over to, you may have just given away your home for nothing.
I agree with both Denis and Denton.
The Lawyers are fully responsible for protecting their clients and the Government have done very little other than protect The Banks and The Developers.
It is correct that some buyers did not do much checking on the lawyers and their relationship with the developer. However, to suggest that it was a majority is incorrect. Many developers and the supposedly independent lawyers used by the purchasers were extremely 'economical with the truth' in answer to questions by sensible buyers. Deliberate falsehoods were uttered (and put in print), such as 'the property laws in Cyprus are the same as in England' and 'you will get your Title Deeds in 1-2 years; this delay is normal and there is nothing to worry about'.
If the industry, including the lawyers, made it such a badge of its honour that the system was 'just like in the UK', is it any wonder that so many buyers were duped? These deliberate misrepresentations regarding property transactions are outlawed by the EU Unfair Commercial Practices Directive but there is no evidence that the Cyprus government has any intention of enforcing this Directive in relation to immovable property. Indeed, at one stage it even stated (wrongly)that the Directive does not apply to immovable property! That may still be its position in practice.
Is it really the buyers' fault that they were not informed that in Cyprus there is no compulsion for your lawyer to do a proper search at the Land Registry as would be the case if it really were 'just like in the UK'? Is it really the buyers' fault not to know that unlike in the UK the lawyers' professional body the Cyprus Bar Association and the Disciplinary Board of Advocates are there to protect the lawyer and not to offer protection to the client in instances of alleged negligence, malpractice or fraud? Is it really the buyers' fault that they did not know that the Cyprus government turns a blind eye and a deaf ear to ensure that the industry can carry on their nefarious practices unhindered?
BTW, a minor error in the letter. The Law Society, the UK regulatory body for solicitors, does not operate in Cyprus. In Cyprus, the nearest equivalent (but see caution above) is the Cyprus Bar Association and the Disciplinary Board of Advocates
This otherwise excellent letter gives the present government far too much credit.
This government was actually forced into doing something about the property scandal by pressure exerted by the EU and British government following mass lobbying by supporters of the Cyprus Property Action Group. The gist of the complaints being about developer mortgages.
The EU and UK and, obviously the buyers, were then deceived by the government into believing that the planned legislation would address developers' mortgages, until the myth was well and truly debunked at a CPAG seminar in March 2009.
Even in a Q&A interview with the CM dated Nov 15th 2009 the Minister of the Interior was asked 'Question: But where does the problem of developers' mortgages fit in? The laws create a right, but there are debts hiding behind that right.' To which the Minister replied 'That is irrelevant. Under the special execution order process, if the buyer can prove he has paid what he was supposed to, the Title Deed can be issued, and let the bank solve its problem with the developer.' As we soon found out this was pure fiction.
This latest legislation is basically to cover up for the sins of errant developers and the failure of this and previous governments to enforce planning laws which facilitated the developers to deliver illegal properties to unsuspecting buyers.
These buyers will also now become victims for a second time as the government legislates to pass the developer's mess on to them, and in some cases, a property they are forbidden from selling or mortgaging. Dodgy Deeds – consumer protection Cyprus style!
Finally, in a statement published in CM dated 22nd July 2009 the Minister opined the following:
'In that sense, the property market in Cyprus is stable and secure, and property buyers must be absolutely certain that their investments are safe here; indeed, property investment is much safer in Cyprus than anywhere else. Indicatively, I could mention that despite the global financial crisis and the collapse of the property market all around the world, and in much of Europe, the estate market in Cyprus is quite healthy and still in positive growth rate.'
Tell that to the many buyers whose developer is in financial trouble, or has already gone bust, and who risk losing their homes Minister!
The views expressed in readers' comments are not necessarily shared by the Cyprus Property News.


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Published by The News International, May 05, 2016
LAHORE: Inov8 Limited, digital payments company has achieved the PCI-DSS (Payment Card Industry Data Security Standard) v3.1 certification, a statement said on Wednesday.
The PCI-DSS certification shows that Inov8 adheres to the highest data security standards in the payment card industry, can become a card data holder, and is capable to provide security against breaches and theft of cardholder data, it said.
On achieving this compliance, Inov8 Limited's Co-Founder and Co-CEO Bashir Sheikh sated that the company has acknowledged as one of the fastest growing regional FinTech companies.
He said that customers' trust in is the most valuable asset of the company while the PCI-DSS compliance certification is one of the key milestones in success as a payments company in Pakistan, especially as company positioned itself to launch consumer facing services.
Lead Auditor and Member of the Joint Committee of ANZ Standards, Dr Rizwan Ahmad said that theInov8 is a growing company with dedicated IT infrastructure and security personnel.


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How to Make a TJ Maxx Credit Card PaymentFollow these quick steps to pay your TJ Maxx Rewards Card.
Known for selling clothing and accessories at prices that are lower than its competitors, TJ Maxx is a popular retailer nationwide. As of February 2018, the company operates over 4,000 stores in nine countries with significant potential for long-term growth. Savvy shoppers who frequent TJ Maxx for great deals can save even more with a TJX Rewards card.
The TJ Maxx credit card application is available online and takes just a few minutes to fill out. Once the TJ Maxx card application is reviewed and you are approved, the company will assign you either the TJX Rewards credit card or the TJX Rewards Platinum Mastercard. The TJX Rewards credit card can be used at Marshalls, HomeGoods, Sierra Trading Post and Homesense in addition to TJ Maxx, whereas the TJX Rewards Platinum Mastercard can be used anywhere Mastercard is accepted. With the cards, you'll enjoy perks such as 10 percent off your first online or in-store purchase and $10 rewards certificates each time you spend $200.
Once you take advantage of the either the TJX Rewards card or the TJ Maxx Mastercard, you'll receive a statement online or in the mail with the balance due. Follow the steps below to make your TJ Maxx card payment and see why it's one of the best store credit cards available.
How to Make Your TJ Maxx Credit Card Payment Online
Perhaps the most convenient way to pay your TJX Rewards credit card or TJX Rewards Platinum Mastercard bill is to use the online portal provided by Synchrony Bank, the financial institution that issues the card. To log in, you'll need to enter the user ID and password that you created when you registered the card. From there, head to the "Summary" tab and select "Make a Payment." You'll have the option to make the minimum payment due, pay the statement balance, pay the current balance or type in another amount.
Whether you're using the TJ Maxx credit card app on your mobile device or on your home computer, you can opt to make your TJ Maxx online payments automatically each month. From the "Summary" tab, choose "Recurring Payments." Type in the amount you'd like to pay each month, enter your banking information including your account number and your bank routing number, then click the button to give authorization. Automatic payments will begin the following month.
How to Make Your TJ Maxx Credit Card Payment by Phone
A customer service representative can help you make a payment directly by phone.
For the store card, call:
For the Mastercard, call:
Mastercard customer service hours are between 8 a.m. and midnight EST Monday through Friday, 9 a.m. to midnight EST on Saturday, or 9 a.m. to 9 p.m. on Sunday to speak to a live agent. TJX Rewards cardholders can also make a payment using the automated phone system by following the prompts. There's no fee as long as you're using a checking account to make the payment.
See: 50 Stores With the Best and Worst Return Policies
How to Make Your TJ Maxx Credit Card Payment by Mail
If you opted for a paper billing statement, it will come with a payment coupon and a pre-addressed envelope. Cardholders that opted for an online statement can print their TJ Maxx pay bill coupon, which has the mailing address on it. Otherwise, you can use one of the following addresses to pay your TJX Rewards card balance:
For Mastercard accounts, use this mailing address:
Mastercard Accounts
P.O. Box 530949
Atlanta, GA 30353-0949
For store cards, use this mailing address:
Store Card Accounts
P.O. Box 530948
Atlanta, GA 30353-0948
Read This: 20 Savings Hacks at TJ Maxx, Ross and More
What to Do If Your TJ Maxx Credit Card Payment Is Late
At the end of each billing cycle, TJ Maxx gives customers at least 23 days to pay the minimum amount due. There is a late fee of up to $35 if the bill isn't paid by 5 p.m. EST on the listed due date. Late payments can be made online, over the phone or via the postal service.
Click to see the best ways to use credit card reward points.
More on Credit Cards
- How to Use a Credit Card for a Down Payment
- Inventive Ways to Make Money Using Your Credit Card
- Cash vs Credit Card: The Original Paper or Plastic Debate


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Join SPAA! SPAA is an economical way to improve your business metrics, management, operations and marketing. Benefit from free resources, expert advice, business tools, webinars and Spa Director Certification both for the spa director as well as for the technical team contributor as well as other types of certification training.
"We have really enjoyed the close connection that SPAA maintains with its spa membership base. The dedication that Melinda Minton shows to serving the industry is really apparent and makes for a better vendor-spa relationship." Sharon Christie, Founder Aromafloria
"When we joined SPAA we had just opened up our first dayspa location.SPAA assisted us with insurance, licensure, motivating our staff and more. We now own 3 dayspas and are still members of SPAA after 11 years of membership. Worth every penny!" Elizabeth Barrett, Soul Spa


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149th (2019) Annual Commencement
Hampton University Alumnus Lt. Gen. Darrell K. Williams to Deliver 149th HU Commencement Address
HAMPTON, Va. (April 18, 2019) — Hampton University is pleased to announce that alumnus Darrell K. Williams '83, a three-star Lieutenant General in the United States Army and Hampton alumnus, will serve as the University's 149th Commencement speaker on May 12, 2019. Commencement will be held at Armstrong Stadium at 10 a.m.
"General Williams is a shining example of what Hampton does every day: prepare the best and the brightest to lead our great nation and the world at large," said Hampton University President, Dr. William R. Harvey. "His comments will be a memorable addition to a special day for our graduates and their familes."
Williams is the Director of the Defense Logistics Agency (DLA), headquartered in Fort Belvoir, Va. He leads a global workforce of over 25,000 military and civilian workers in the Defense Department's supply and support network. He directs nine supply chains supporting the military, as well as federal, state, local and international partners. The DLA provides food, medical material, uniforms and construction equipment, 98 percent of the Defense Department's fuel, and the majority of spare parts for military weapons systems. He also oversees the National Defense Stockpile, an international network of 25 distribution centers.
Williams, a native of West Palm Beach, Fla., earned his bachelor's degree in psychology at Hampton, where he was a Distinguished Military Graduate of the ROTC Program. He was commissioned into the Army Quartermaster Corps in 1983. During his Army career, he graduated from the Army Command and General Staff College as well as the School of Advanced Military Studies. Williams is also a Distinguished Graduate of the National War College. He holds master's degrees in military arts and sciences, national security and strategic studies, and business management (logistics).


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| FOCUS CLASSES (COMPLIMENTARY – REQUIRES A $25.00 DEPOSIT TO RESERVE SEAT) Focus courses vary each month to meet the current needs and topics of our industry. These FREE offerings are an incredible way to expand your knowledge and growth in the Skin Care Industry. Set yourself apart from the rest and engage in the opportunity for success, inspiration, and passion.
INTRODUCTION TO PEELING: Everything successful we come across in life starts with creating a firm solid foundation. The DBH Method blends the best of eastern and western practices and ingredients to safely and effectively treat skin and resolve conditions/ concerns. This course will detail and highlight all three levels of peeling within the DBH system. The use of chemical, natural and organic peels and how to effectively combine them to provide the highest possible results and customer satisfaction will be discussed and demonstrated.
SKIN TECH I: This six-hour hands-on foundational course will review and discuss clinical consultation, Level I active ingredients and protocols. Treatments reviewed in this workshop will include Green Apple Fruit Peel, Pumpkin Peel, Active Enzyme Treatment, Beta-10 Treatment and more! Advanced certification will be provided to attendees, acknowledging a strong base knowledge for consultation and Level 1 Resurfacing.
EYELASH EXTENSIONS (CLASSIC STYLE): Eyelash Extensions are individual, synthetic extensions singularly bonded to each natural lash to create a longer and fuller look. DBH eyelash extensions course includes the emphasis on theory, the science behind the procedure, safety, and advanced techniques that are guaranteed to produce longer-lasting lash applications. We offer and teach techniques and tips that can reduce lash application time, by half. As an add on, we will provide tips on social media to start your business.
SKIN TECH II: This six-hour hands-on course will review and discuss clinical consultation for both Level II and Level III active ingredients and protocols. Treatments reviewed in this workshop will include the Ageless Peel, Purification Peel, SLG, SLR and more! Increase your knowledge of natural/chemical peeling, skin disease, and disorders. Customize and PowerLayer treatments to better address and resolve your client's skin conditions and concerns. Advanced Certification will be provided to attendees, acknowledging a strong base knowledge for consultation and Level II/III peeling. Prerequisite: Skin Tech I.
SKIN TECH III - ADVANCED RESURFACING & PEELING COURSE: This six-hour hands-on course is for Medical Aestheticians, Physicians, and medically licensed professionals only. Skin Tech Level III covers deep Level III peeling with a 7 to 10-day downtime minimum. These advanced techniques and skills within the medical practice with Chemical peeling, post care, scar reduction, increased recovery with variable states of matter and more! Prerequisite: Skin Tech I and Skin Tech II.
5 DAY ACCELERATED ADVANCED CLINICAL DEVICES & TREATMENTS: This intensive five-day workshop includes hands-on application and practice using the latest techniques and modalities, (equipment). Attendees will be certified in Micro-needling, Dermaplaning, Oil Blading, Clinical Chemical Peeling, LED and Oxygen Therapy. Reservation Required and includes the CLINICAL DEVICES/TREATMENTS KIT.
BEGINNING & ADVANCED MICRO-NEEDLING TECHNIQUES AND PROCEDURES: This certification workshop is for both beginning and advanced Micro-Needling. During this course, you will learn hands-on techniques from Korea, USA, Japan, and Europe. Gain the knowledge and experience needed to determine the differences and similarities of each concept and how to safely and effectively treat multiple skin types and conditions. Legal issues surrounding Micro-Needling and how to become licensed within your local area will be covered. Reservation Required and includes the ADVANCED MICRO-NEEDLING KIT. Prerequisite: Skin Tech I.
DERMAPLANING/OIL BLADING: This hands-on workshop will teach you both consumer and professional Dermaplaning using high demand Korean techniques! Level I, II and organic treatments with Dermaplaning will be covered, along with how to properly treat specific skin types/conditions and how to eliminate post-inflammatory-hyperpigmentation. Legal ramifications and regulations within your area will be reviewed. Get certification and a treatment ready kit today!
MICROBLADING - PERMANENT MAKE-UP (MACHINE & HAND METHOD): This 2-day hands-on Microblading, the desire for perfectly pigmented brows is in high demand! This hands-on workshop covers beginning to advanced techniques, using both the manual and digital methods of application. Treatments last approximately 3 years, touch-ups required approximately every 6-8 months. This method far exceeds the old tattoo method that embeds pigmentation deep into the skin, causing discoloration of the pigment over time, (blue/orange). Perfect brows for the perfect frame, thick or thin! Learn application techniques based on facial features and overall shape. These techniques will increase your skills.
Kissable lips, all day, all night! This two-day workshop demonstrates and provides hands-on skills required to gain the knowledge and talent to properly and effectively tattoo lips with superior results!
CORRECTIVE (Alteration & Blending) CAMOUFLAGE (Skin Tone Enhancement) PERMANENT MAKE-UP:
Learn to blend skin tones and cover pigmentation and discoloration. Includes Certificate and a Kit.
Course Time: 10am-4pm
Semi-Permanent Makeup treatment that in 1 – 2 sessions you can achieve that glow, radiant, poreless looking skin for up to 4 months.
Using Micro-needle Therapy System gives you that immediate skin brightening and rejuvenation. Our products are KFDA approved 100% safe and natural ingredients skin color brightening ampoules. It is recommended for people with dark skin tones and also for reduction of the appearance of freckles and skin discoloration caused by acne and photo-aging (age spots). No pain, no redness, no downtime and immediate result.
Course Objectives: Students will learn how to successfully analyze skin to properly perform BB Glow procedure providing clients maximum comfort and minimum downtime. To confidently perform Water Shine Covered BB Glow micro pigmentation treatments for semi-permanent makeup foundation.
Course Fee: $1299 Dollars Certificate of Patent
Certificate awarded completion of course
Course Duration: 1 day
Training Hours: 6 Hours
Full Training Kit included in Training Fee
Starter Kit includes:
FDA approved Derma – Pen
Plant-Based Organic Color Pigments from Korea 1 box (10 bottles) KFDA approved
Anti-aging Serum
0 MTS needles
Collagen Post care face mask
What is included in the training?
techniques developed in cooperation with the founder of the serum and with pioneers of esthetics.
15 years of experience of knowledge
full starter kit
one year of warranty on service
one year of ongoing support access through chat with trainers and other students
Get a free treatment during class
10am – 6pm
What is Lash Lift?
SuperBoost Keratin Lash Lift treatments lengthen, thicken,
darken and uplift lashes, lasting for 8-12 weeks, and completely
eliminating the need for tiresome curlers and mascara or
potentially damaging extensions.
About: G.E.L. Lashes
Technological innovation is transforming the permanent and semi-permanent make-up industry, and G.E.L. Lashes stands at the forefront of that change. Whether you're interested in world-leading eyelash lifting as a customer or as a cosmetologist, you've come to the right place.
Discover why celebrities and beauty bloggers alike are raving about the benefits of semi-permanent eyelash lifting. Enjoy longer, thicker, darker, uplifted lashes without the need for curlers, mascara or extensions. G.E.L. Lashes' next-generation SuperBoost lash lift brings out the best in your natural eyelashes, and the effect lasts as long as your lashes do – that's 8-12 weeks.
Who doesn't want to wake up every morning with perfect lashes? Go to SuperBoost Lash Lift for more information, or find out how you can join our team of cosmetologists at G.E.L. Lashes Academy.


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Hanaya KL Lunch Promo: Sushi
Last weekend, we went out for a spot of #DaytimeDating and had lunch at Hanaya KL. It's been a while since we last visited, but both food and service are still awesome. They have recently started a new Lunch Promo, with prices starting from RM22.I had the Assorted Salmon set with Salmon Sashimi (RM45) which...
By: babysumo
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June has also been a bit of a disappointment. We have had glimpses of what could be but it hasn't really materialised into anything that we could call summer. This has been a month of adversity. We have had heavy rain, cold nights, threat of frost, gale force winds etc etc. I suppose at least we have been able to cut back on the watering - more often than not we have been heavily watered ourselves when trying to garden in the rain. On top of the weather conspiring against us we have also, (along with other gardeners across the country) experienced the scourge of contaminated manure on about 30% of our plots. Some are more affected than others. Even amidst all of this most of us have managed to get our plots looking productive. On a positive note we have managed to replace another gate.
The June photoshoot took place yesterday whilst we had a gap in the periods of rain - hardly summer sunshine though! Click here for June diary and larger photos.
Lockdown Day 14 Web Sites Killed Off - Two thirds of the way through the lockdown and thanks to Adobe we can no longer update our web sites. We used Adobe Muse software to create and edit our we...
16 hours ago


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Confectionary Tables
Let's add a pop of sugar to your upcoming event!
Our Dessert Confectionery Bars are creatively designed with freshness, style, delicious taste and always to your color palette.
Your guests are sure to gather around a dessert bar filled with candy, cupcakes, cake pops, donuts, cookies, popcorn, French macarons and more!
Let us know what your favorites are and we can create your custom sweets bar!
Make it sweet!
Lavish Candy's Founder & Owner
Sweet and simple I carry an immense passion for all sweets, style and design.
Sorta like a cookie... but cuter
We offer complete macaroon bars which are sure to add a touch of sophistication and European flair to your next upcoming event.


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