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This page (together with our privacy policy and acceptable use policy) tells you the terms and conditions on which we supply any of the products (Products) listed on our website www.seasaltcornwall.co.uk (our site) to you. Please read these terms and conditions carefully and make sure that you understand them, before ordering any Products from our site. You should understand that by ordering any of our Products, you agree to be bound by these terms and conditions.
- Information about us
- Service availability
- Your status
- The contract between you and us
- Stock availability
- Conformity of goods
- Price and payment
- Seasalt Gift Cards
- Mispricings
- To pay for your order
- Complaints
- General
- #FeelGoodFriday
- Use and Disclosure of Information
- Seasalt Shop Loyalty Card
- Knitwear debobbling service
- Refer a Friend
- Blue Light Card
- English Heritage Members Offer
- Sustainability Prize Draw
- Waitrose Competition
Information about us
We operate the website www.seasaltcornwall.co.uk. We are Seasalt Limited, a company registered in England and Wales under company number 02259954 and with our registered office at Unit 8 Falmouth Business Park, Bickland Water Road, Falmouth, Cornwall TR11 4SZ. Our VAT number is GB 163 0367 27.
Service availability
Our site is only intended for use by people resident in the countries listed in delivery policy and costs. We do not accept orders from individuals outside those countries.
Your status
By placing an order through our site, you warrant that:
- you are legally capable of entering into binding contracts
- you are purchasing the products outside the course of your normal business or trade and not for resale
How the contract is formed between you and us
After placing an order, you will receive an Email from us acknowledging that we have received your order. Please note that this does not mean that your order has been accepted. Your order constitutes an offer to us to buy a Product. All orders are subject to acceptance by us, and we will confirm such acceptance to you by sending you an e-mail that confirms that the Product has been despatched (Despatch Confirmation). The contract between us (Contract) will only be formed when we send you the Despatch Confirmation.
The Contract will relate only to those Products whose despatch we have confirmed in the Despatch Confirmation. We will not be obliged to supply any other Products which may have been part of your order until the despatch of such Products has been confirmed in a separate Despatch Confirmation.
Stock availability
We do try to ensure that we have good stock availability of all products. However, some goods may sell faster than we predict. If the item you have ordered is not in stock, we will do our best to get it for you as quickly as possible. If we cannot get the item we will cancel your order immediately and let you know by email.
If we can get the item, but cannot deliver it to you within our delivery policy, we will email you with the option to cancel your order.
Conformity of the products
We warrant to you that any Product purchased from us through our site will, on delivery, conform in all material respects with its description, be of satisfactory quality, and be reasonably fit for all the purposes for which products of that kind are commonly supplied.
Every care has been taken to ensure that the descriptions and specifications of our products on this web site are correct. However, whilst the colour reproduction is an extremely close representation, a slight variation in the actual goods can occur.
Price and payment
The price of the Products and our delivery charges will be as quoted on our site from time to time, except in cases of obvious error.
If you are ordering from the U.K or European Union all prices are shown in sterling and include 20% VAT on adult's clothing and 0% VAT on Seasalt Gift Cards. If you are ordering from outside the UK and European Union or from the Channel Islands, all prices are shown in sterling and exclude VAT.
If you want to check out our prices in your local currency, click here for the Universal Currency Converter.
Product prices and delivery charges are liable to change at any time, but changes will not affect orders in respect of which we have already sent you a Despatch Confirmation.
If you are ordering from outside the UK or European Union, your order will be supplied VAT free and a copy of your ex VAT receipt will be despatched with your goods. As all orders are shipped directly from the UK, you may have to pay customs fees when your parcel reaches the country you live in. You are responsible for any import duties, customs and local sales taxes, and you'll need to pay these fees to release your order from customs. We don't have any control over customs and import tax and we can't tell you exactly how much you will be charged, as this varies widely depending on the country you live in (for example, the threshold for goods imported to United State of America is $800, and Canada is $20CAD). Any orders with a value above the threshold amount will be charged import fees, so we recommend contacting your local customs office for more information before placing your order. Please also note that you must comply with all applicable laws and regulations of the country for which the products are destined. All prices include VAT or GST where applicable.
Seasalt Gift Cards
Seasalt Gift Cards can only be purchased in the UK & Channel Isles via our website, in Seasalt shops or over the phone with our Customer Services team.
Seasalt Gift Cards are available from a minimum value of £5 to a maximum value of £500.
Your Seasalt Gift Card will be valid for 24 months from the date given on its face.
After 24 consecutive months your Seasalt Gift Card will expire and the balance on the card will be lost.
Seasalt Gift Cards can only be redeemed on UK & Channel Isles purchases via our website, in Seasalt shops or over the phone with our Customer Services team. To find your nearest shop, please visit www.seasaltcornwall.co.uk/locations.
For the avoidance of doubt, Seasalt Gift Cards cannot be redeemed in our Clonakilty shop or on international purchases.
To use an Email Gift Card, download it following the instructions in the email.
To use your Seasalt Gift Card online, select 'Redeem a Gift Card' at the checkout, then enter the 16-digit number and PIN.
To use your Seasalt Gift Card in a Seasalt Shop (UK only), simply show your Email Gift Card on your phone or tablet or print your Seasalt Gift Card PDF and present it at the till.
If you'd like to spend your Seasalt Gift Card on something that costs more than the Gift Card value, you will simply need to pay the difference.
If you'd like to spend your Seasalt Gift Card on something that costs less than the Gift Card value, the amount of your purchase will be deducted and you can then use the remaining balance for future purchases. We are not able to give change.
Seasalt Gift Cards cannot be exchanged for cash.
Balances from a Seasalt Gift Card cannot be transferred onto another Seasalt Gift Card. Seasalt Gift Cards cannot be used to purchase Seasalt Gift Cards.
For balance enquiries, please ask in any Seasalt shop (UK only) or check your balance online at www.seasaltcornwall.co.uk/customer/check_giftcard_balance.
Take care of your Seasalt Gift Card, as you would cash – Seasalt will not accept liability for lost, stolen or damaged Seasalt Gift Cards.
Seasalt will cancel the value of the Seasalt Gift Card where the fraudulent use of a credit card is suspected.
If you'd like to refund or exchange something purchased with a Seasalt Gift Card the Seasalt Refund Policy will apply. This does not affect your statutory rights.
Seasalt reserves the right to amend our Seasalt Gift Card Terms & Conditions at any time and to take appropriate action, including the cancellation of the Gift Card, if we deem such action necessary. This does not affect your statutory rights.
Seasalt reserves the right to refuse to accept a Seasalt Gift Card in payment or part, where it reasonably suspects that the Seasalt Gift Card or any amount on it may have been stolen, tampered with, duplicated or obtained in another illegal way.
Seasalt Gift Cards will be verified at the time of payment and each individual shop reserves the right not to accept any Gift Card if it has or appears to have been forged, damaged, defaced or otherwise tampered with.
Despite our best efforts, items in our online shop may occasionally be mispriced. We verify prices as part of our despatch procedures and if an item's correct price is lower than the price shown online, we will charge you the lower amount and send you the item. If the item's correct price is higher than the price shown online, we will contact you for instructions before the Despatch Confirmation is sent out. For the avoidance of doubt, Seasalt shall be under no obligation to honour the incorrect price or Order.
To pay for your order
Payment for all Products must be by credit or debit card or by PayPal. We accept payment with Visa, MasterCard and American Express credit cards, as well as Maestro, Visa Electron and Visa Debit cards.
We do not accept payment by cheque.
You can only see our price list in sterling, but we accept card payments from anywhere in the world.
If you prefer not to send your card details over the Internet, you may contact us directly at the following telephone or fax number below to complete your order:
Tel: +44 (0) 1326 640075 Fax: +44 (0) 1326 640384
Our Customer Service representatives are available between 8:00 am and 10.00 pm (GMT) Monday to Friday, 8:00 am and 5:00 pm Saturday, and between 10:00 am and 4.00 pm on Sunday. Alternatively email us email@example.com, and we will get back to you as soon as possible.
To protect credit and debit cardholders, all payments are screened using 3D Secure (MasterCard SecureCode and Verified by Visa) and by an independent fraud prevention service. We may contact you for additional security purposes should we deem this necessary.
In the event of you having a complaint or problem with any aspect of our service or the products we offer, please telephone us on +44 (0) 1326 640075 or click here to inform us by email. We take all complaints extremely seriously and we will try to rectify any problem quickly and effectively.
Our Customer Service representatives are available between 8:00 am and 10.00 pm (GMT) Monday to Friday, 8:00am and 5:00 pm Saturday, and between 10:00 am and 4.00 pm on Sunday
All complaints will be acknowledged within 1 working day and will be resolved as soon as possible. We will always keep you informed throughout the process of resolving your complaint and we will keep the details of your complaint confidential. We always welcome feedback from our customers and are continually looking at ways to improve our service.
Alternative dispute resolution
Alternative dispute resolution is a process where an independent body considers the facts of a dispute and seeks to resolve it, without you having to go to court. If you are not happy with the resolution of our complaints process, Alternative Dispute Resolution is available, including online dispute resolution at http://ec.europa.eu/consumers/odr/
General T's & C's
Risk and title
The Products will be your responsibility from the time of delivery.
Ownership of the Products will only pass to you when we receive full payment of all sums due in respect of the Products, including delivery charges.
Written communications
Applicable laws require that some of the information or communications we send to you should be in writing. When using our site, you accept that communication with us will be mainly electronic. We will contact you by e-mail or provide you with information by posting notices on our website. For contractual purposes, you agree to this electronic means of communication and you acknowledge that all contracts, notices, information and other communications that we provide to you electronically comply with any legal requirement that such communications be in writing. This condition does not affect your statutory rights.
All notices given by you to us must be given to us at Unit 8 Falmouth Business Park, Bickland Water Road, Falmouth, Cornwall TR11 4SZ or email@example.com. We may give notice to you at either the e-mail or postal address you provide to us when placing an order. Notice will be deemed received and properly served immediately when posted on our website, 24 hours after an e-mail is sent, or three days after the date of posting of any letter. In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post and, in the case of an e-mail, that such e-mail was sent to the specified e-mail address of the addressee.
Transfer of rights and obligations
The contract between you and us is binding on you and us and on our respective successors and assignees. You may not transfer, assign, charge or otherwise dispose of a Contract, or any of your rights or obligations arising under it, without our prior written consent. We may transfer, assign, charge, sub-contract or otherwise dispose of a Contract, or any of our rights or obligations arising under it, at any time during the term of the Contract.
Events outside our control
We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under a Contract that is caused by events outside our reasonable control (Force Majeure Event).
Our performance under any Contract is deemed to be suspended for the period that the Force Majeure Event continues, and we will have an extension of time for performance for the duration of that period. We will use our reasonable endeavours to bring the Force Majeure Event to a close or to find a solution by which our obligations under the Contract may be performed despite the Force Majeure Event.
If we fail, at any time during the term of a Contract, to insist upon strict performance of any of your obligations under the Contract or any of these terms and conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under the Contract, this will not constitute a waiver of such rights or remedies and will not relieve you from compliance with such obligations.
A waiver by us of any default will not constitute a waiver of any subsequent default.
No waiver by us of any of these terms and conditions will be effective unless it is expressly stated to be a waiver and is communicated to you in writing.
If any court or competent authority decides that any of the provisions of these terms and Conditions or any provisions of a Contract are invalid, unlawful or unenforceable to any extent, the term will, to that extent only, be severed from the remaining terms, which will continue to be valid to the fullest extent permitted by law.
Entire agreement
These terms and conditions and any document expressly referred to in them constitute the whole agreement between us and supersede all previous discussions, correspondence, negotiations, previous arrangement, understanding or agreement between us relating to the subject matter of any Contract.
We each acknowledge that, in entering into a Contract, neither of us relies on any representation or warranty (whether made innocently or negligently) that is not set out in these terms and conditions or the documents referred to in them.
Each of us agrees that our only liability in respect of those representations and warranties that are set out in this agreement (whether made innocently or negligently) will be for breach of contract.
Nothing in this clause limits or excludes any liability for fraud.
Our right to vary these terms and conditions
We have the right to revise and amend these terms and conditions from time to time. You will be subject to the policies and terms and conditions in force at the time that you order products from us, unless any change to those policies or these terms and conditions is required to be made by law or governmental authority (in which case it will apply to orders previously placed by you), or if we notify you of the change to those policies or these terms and conditions before we send you the Despatch Confirmation (in which case we have the right to assume that you have accepted the change to the terms and conditions, unless you notify us to the contrary within seven working days of receipt by you of the Products).
Law and jurisdiction
Contracts for the purchase of Products through our site and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) will be governed by English law. Any dispute or claim arising out of or in connection with such Contracts or their formation (including non-contractual disputes or claims) will be subject to the non-exclusive jurisdiction of the courts of England and Wales.
Third party rights
A person who is not party to these terms and conditions or a Contract shall not have any rights under or in connection with them under the Contracts (Rights of Third Parties) Act 1999.
The #FeelGoodFriday competition closes at midnight on the Sunday after the competition goes live on Facebook. The winner(s) will be chosen at random and will be tagged in their original comment. The winner(s) must contact Seasalt via the email address provided (firstname.lastname@example.com) within 72 hours in order to confirm acceptance and arrange receipt of their prize. Should the prize not be claimed within 72 hours, a new winner will be selected at random. The prize will be stated in the competition post and is subject to availability. By entering the competition you have the legal capacity to do so and agree to these terms and conditions. There is no entry fee and no purchase required. The competition is open to people aged 18 or over, except employees of Seasalt or anyone professionally associated with this promotion. Prizes are non-transferable and non-exchangeable. No cash or credit alternatives available. If, due to circumstances beyond their control, Seasalt is unable to provide the stated prize, they reserve the right to award a substitute prize of equal or greater value. Seasalt's decision is final and no correspondence will be entered into. Seasalt reserves the right to cancel or suspend the competition where necessary. Your statutory rights are not affected.
Winners agree to the use of their name for promotional purposes. This competition is governed by English law and entrants submit to the jurisdiction of the English courts.
This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook.
Use and Disclosure of Information
Your information is treated in accordance with our Privacy Policy. If you joined us after 25 May 2018, neither we nor third parties will ever send you electronic marketing information unless you have positively consented to our doing so. You can change your marketing contact preferences at any time by clicking the unsubscribe button at the bottom of any email communication you receive from us, and by calling Customer Services on 01326 640075. If you wish to opt-out of communications from us, you can also send an email to email@example.com.
We use a third-party service provider to serve ads on our behalf across the internet. They may collect anonymous information about your visits to seasaltcornwall.co.uk, and your interaction with our products and services. They may also use information about your visits to this and other websites to target advertisements for goods and services. This anonymous information is collected through the use of a pixel tag. A pixel tag is industry standard technology used by most major websites. No personally identifiable information is collected or used in this process; no personally identifying information is known about the user. If you would like more information about this and to know your choices about not having this anonymous information used by our third party service provider please contact our Privacy team at firstname.lastname@example.com.
Seasalt Shop Loyalty Card
- These Terms and Conditions, together with the Seasalt Cornwall privacy policy, govern the Seasalt Shop Loyalty scheme, and any application for participation in the scheme will be treated as acceptance of these terms and conditions. Additional terms and conditions may apply for additional elements of the scheme, such as competitions and prize draws.
- Our Seasalt Shop Loyalty Cards launches on 15th June 2019 until further notice.
- Seasalt Shop Loyalty Cards can be used in UK Seasalt shops (excluding outlets). Find your nearest shop here.
- Seasalt Shop Loyalty Cards cannot currently be used in our Clonakilty or outlet stores, in any Seasalt stockists or online.
- Seasalt Shop Loyalty Cards cannot be exchanged for cash.
- Seasalt Shop Loyalty Cards are not valid against the purchase of Seasalt Gift Cards.
- Each card belongs to the customer who registered it, cards cannot be shared. Members of the Loyalty Scheme are entitled to one membership only. Stamps are non-transferrable and may not be "saved up" and added to someone else's card.
- Stamps are awarded for every £50 spend in one transaction only, stamps cannot be awarded for multiple transactions totalling £50 or over. Stamps will also be awarded for online purchases. Stamps for online purchases must be claimed within one month of the date on the despatch note. Simply bring your despatch note into any Seasalt Shop (UK only) to claim your stamp. Stamps must be claimed within one month of any transaction.
- You must provide the required personal details to sign up (customer name and email address or address are the minimum requirement). We will use your contact details to let you know about Seasalt offers, products and services that are the most likely to interest you. The GDPR allows us to do this as part of our legitimate interest in understanding our customers and providing the highest levels of service. As a member of the Loyalty Card scheme we will also send you news and information about Seasalt events that will enable you to earn more stamps. It also helps us check for fraud. If you decide you do not wish to share your personal data with us any more, you can ask us to delete it (please see our Privacy Policy for more details) but if you do this we may not be able to provide some of the services you have asked for.
- Seasalt reserves the right to amend our Seasalt Shop Loyalty Card Terms & Conditions at any time and to take appropriate action, including the cancellation of the card, if it becomes necessary. This does not affect your statutory rights.
- Seasalt will not accept liability for lost or stolen Seasalt Shop Loyalty Cards but damaged cards may be replaced at Seasalt's discretion.
- Seasalt reserves the right to cancel a Seasalt Shop Loyalty Card, where the fraudulent use of a credit card is suspected, or where Seasalt suspects a breach of these Terms & Conditions or abuse of the scheme, or any behaviour relating to the scheme that involves theft, misconduct, offensive or misleading behaviour.
- Seasalt reserves the right to refuse to accept a Seasalt Shop Loyalty Card, where it reasonably suspects that the Seasalt Shop Loyalty Card may have been stolen, tampered with, duplicated or obtained in another illegal way.
- Seasalt Shop Loyalty Cards will be verified at the time of issue and each individual shop reserves the right not to accept any Seasalt Shop Loyalty Card if it has or appears to have been forged, damaged, defaced or otherwise tampered with.
- Only one Seasalt shop loyalty card exclusive coupon obtained from the August 2019 catalogue may be used per loyalty card
- By signing up for a Seasalt Shop Loyalty Card, you are accepting and will be bound by these Terms & Conditions.
Knitwear debobbling service
Terms and Conditions
During busy periods, our shops will be limited to treating only 4 pieces per day. Any additional items brought in will be returned to our customer services team and posted directly back to you. Please send no more than 2 knitwear pieces at any one time.
Once we receive your knitwear, we will aim to treat it within 1 working day and return on a 48 hour service. Please allow 5 working days to receive your restored knitwear.
Results will vary depending on the wear that your knitwear has had. We'll aim to restore it to its best possible condition taking into account wear and tear. Please note, we are unable to mend or repair any other damage.
If you're not fully satisfied with your garment after de-bobbling, we will offer you an exchange or refund.
We will only de-bobble Seasalt knitwear.
Please refer to our Caring for your Knitwear guide for useful tips on removing bobbles.FAQs
Refer a Friend
- What is the refer-a-friend scheme and how do I start using it?
This scheme is for you to refer a friend who isn't a customer of ours, so you both receive a treat. Once you have placed an order, you will be invited to join the scheme and refer friends. Then, when your friend has redeemed their treat (entering your name at checkout) you will get your reward for referring a friend.
- I can't find my friend when I search for them at checkout?
Please make sure you enter your friend's name correctly, if we can't find your friend in the system, you'll be asked to enter their email address. If you are unsure of these details please ask the friend that referred you.
- Can the scheme/codes be used in store?
The refer-a-friend scheme can't be used in our shops unfortunately. To ensure the scheme works and your friend receives their reward your code must be used online.
- Can the codes be used more than once?
No, codes can only be used once.
- Can I refer more than one friend?
Yes, and each time you introduce a new customer to Seasalt via the referral programme and they place an order with us, they will receive a reward. We do monitor the programme to make sure there is no self-referring or fraudulent use.
- What is classed as inappropriate use?
Rewards will be cumulative and so if multiple qualifying referrals are made to Seasalt, multiple rewards will be delivered to the referrer, subject to a limit. A Referrer may not earn more than 5 within any 24 hour period or 25 within last 12 months or 1500 GBP of reward value within last 12 months.
- How long is my code valid for?
This will be shown on your offer code email.
- I've forgotten to add my code in at checkout, what do I do?
Once your order has arrived and you've decided what you're keeping, please contact our friendly customer service who will be happy to help. email@example.com or 01326 640075.
- I've referred a friend but not received a reward?
Please check with your friend to see if they have placed an order with us. They also need to have mentioned your name at the checkout. If they haven't ordered with us yet or mentioned your name when placing the order, you won't get your reward.
- I've referred lots of friends but not received the same amount of rewards back?
It may be that not all your friends have chosen to place an order with us. You will only receive a reward once your friend has placed an order entering your name at the checkout. Your friend will also need to be a new customer to Seasalt, so if the friend already shops with us, then you will not get a reward.
- I've lost my code, what do I do?
Please contact our friendly Customer Service team on 01326 640075, email@example.com or using live chat on our website. Please tell us the name and email address used when using the scheme.
Blue Light Card
We offer a discount to NHS and emergency service staff via the Blue Light Card membership. Full terms and conditions are available via the Blue Light Card web site.
English Heritage Members Offer
For details of our current offer available exclusively to English Heritage members please refer to the English Heritage members rewards pages.
Sustainability Prize Draw
By entering the prize draw, you agree that any personal information provided by you in the prize draw entry may be held and used by Seasalt and its survey administrator SustainIt Solutions Ltd for administration of the prize draw.
Seasalt's prize draw to win one of three £50 Riverford Organic Farmers gift vouchers is open to people aged 18 years or over who provide their name and email address after completing the survey, except employees of Seasalt, their families, agents or any third party directly associated with administration of the competition. The prize draw is free to enter, and no purchase is necessary. Only one entry per person. Draw closes at 11.59pm on Sunday 05th April 2020 and entries received after this time will not be considered. Winners will be selected and administered by Seasalt at random from all eligible entries made during the competition. The selection will be made by random computer selection and winners will receive one of three £50 Riverford Organic Farm gift vouchers each. Winners will be contacted via email by Thursday 09 April 2020 by Seasalt. The prize is non-transferable, and no cash alternative is offered.
Seasalt must publish or make available information that indicates that a valid award has taken place. To do this, Seasalt will provide the surname and county of the prize winner, to anyone who enquires as to the winner, within one month of the closing date. If you object to your surname and county being published or made available, please contact us on being told of your win. In such circumstances we may still provide this information to the Advertising Standards Authority on request, should your win be challenged. Personal data supplied in this draw will be processed as set out in Seasalt's Privacy Policy.This draw is governed by English law and the entrants submit to the jurisdiction of the English courts. By entering, you are accepting these Terms and Conditions.
Waitrose Competition
This prize draw is open to all UK residents aged 18 or over, except employees of Seasalt or anyone professionally associated with this prize draw. There is no entry fee and no purchase required. Entries must be submitted via the prize draw webpage . Entries to the prize draw close at midnight on Friday 24th April 2020 and entries received after this time will not be accepted. Seasalt accepts no responsibility for entries not successfully completed due to a technical fault of any kind.
The winner will be chosen at random on 27th April 2020 and will be contacted within 72 hours via the email address provided. The winner must confirm acceptance within 72 hours, should they not accept in time a new winner will be selected at random. Seasalt will make available information that a valid award took place. Seasalt will send the surname and county of the prizewinner to anyone who emails email@example.com within one month of 27th April 2020.
The prizes are as stated on the prize draw webpage and are subject to availability. Prizes are non-transferable and non-exchangeable. No cash or credit alternatives are available. If, due to circumstances beyond their control, Seasalt is unable to provide the stated prize(s), they reserve the right to award a substitute prize of equal or greater value. Seasalt's decision is final and no correspondence will be entered into. Seasalt reserves the right to cancel or suspend the prize draw where necessary. Your statutory rights are not affected.
By entering the prize draw you confirm you have the legal capacity to do so and that you agree to these terms and conditions. Personal data supplied during the course of this prize draw will only be processed as set out in Seasalt's Privacy Policy . Winners agree to the use of their name for promotional purposes. This prize draw is governed by English law and entrants submit to the jurisdiction of the English courts.


text: Quantum XML IntegrationQuantum XML Integration offers the worldwide reservation services, and all corresponding land arrangements exclusively to a worldwide network of travel agents and associations. Quantum XML Integration does not allocate with single passengers or corporations directly.Quantum XML Integration is a strong B2B wholesaler that is conduct to deliver all land services to travel agency around the world. Quantum was founded in 1993, and they are based in Singapore, a central business hub of Asia. Although, their customers can be found in all corners of the world.As a worldwide supplier of hotel reservation service, they have more than 10,000 hotels worldwide in more than 400 cities. For example in USA Quantum XML Integration have hotels in more than 150 cities. In Asia, they deal with most hotel chains directly. They also have allotments for USA and Europe and confirmation can be almost instant.Products and Services offered by Quantum XML Supplier:Quantum XML Supplier's competitive edge is global FIT hotel reservation service. They have also hold on their strength to provide the below land services through their travel-arm, Renaissance Travel etc.Airport hotel transfersFIT tour packagesGroup tour packagesIncentive groupsTechnoheaven provides the best API integration for Quantum XML API Integration through XML with fast request response. We, your preferred Technoheaven give the integration according to your necessities.Technoheaven is already a certified partner with Quantum API Integration and it has worked hard on its architecture to make fast and light. We have a strong and secure mapping with static data and it will also increase the volume of XML API integration. The Technoheaven has worked with Quantum XML Integration, with big and reputable DMC clients like Dubai, Malaysia, etc.So, we would like to expand our heartiest welcome to everyone visiting our website and Join Us with the best XML API facility. For improvement of your XML API integration contact our expert team of Technoheaven at +91-6354997070 or you can also drop your mail at email@example.com expert team of Technoheaven will contact you in next 24 hours and happy to help you.

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Guideline and benefits of Old Navy Credit Card Login
Here in this article, you will get to know the information about Old Navy Credit Card Login along with its payment procedure, interest rate benefits and rewards. To get updated with all the information related to Old Navy Credit Card keep in touch with this article.
You can decide whether this card is perfect or not by having a look at its reward points and benefits.
Old Navy Credit Card Login
The cards offered by Old Navy from the Synchrony Bank are Old Navy Store Card and Visa Credit Card. Both these cards are full package with lots of joy. On spending $1 while shopping at Old Navy store, GAP, Banana Republic and Athleta 5 points will be rewarded to Old Navy Credit Cardholder. After earning 500 points users will be rewarded with $5.The more benefits of this card are the Cardholders will be upgraded to Navy account on achieving 5000 points. Navy account will provide its users with much more benefits which are listed below:
- On every quarter 20% extra points will be rewarded.
- On purchasing at banana republic store free basic alterations can be availed.
- Online order will be shipped free purchased from Old Navy, Banana Republic, Gap, Athleta using code NAVYIST.
- The toll-free private number is 866-450-5295.At Companies related to GAP Old Navy Credit Card offer rewards for the purchases done there. You can avail 15% off on your first purchase using Old Navy Credit Card both online and in stores.
Note: This discount is applied only for Old Navy Merchandise.
Features and Advantages of Old Navy Credit Card
1- On using your Old Navy card at every GAP stores you will earn 5 points on spending every $1. In other stores, you will earn only 1 point on spending $1.
2- Annual fee is none.
3- The APR purchase is 24.99%
Old Navy Card Details
1- On your First purchase using Old Navy Card you will get 15% off
2- On spending $1 in our store or online you will earn 5 points.
3- On spending $1 everywhere you will earn 1 point.
First, you have to collect 500 points for using them as a reward. You will be rewarded with $5 certificate by using this minimum amount and can use this reward at any Old Navy Location. The rate or reward depends on your spending and is from 1% to 5% anywhere.
Payment of Old Navy Credit Card
Online Payment:
On accessing your Old Navy credit Card login by entering your Username and password you can easily make payments online or using their official app. Click from Payments menu click on Make a Payment. Make sure you have your ABA routing number and Bank account number along with you enter it to pay your bill.
Payment through Offline Mail:
To make your payment through the mail you have to fill the checkout and money order for the minimum amount that is due on you along with the account number of a navy in the memo section.
Regular Address for Old Navy Credit Card Payment:
Old Navy Credit Card Payments
P.O. Box 530942 Atlanta, GA 30353
Address for Old Navy Credit Card Overnight Payment:
Old Navy Credit Card Payments Synchrony Bank
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you can make a payment on a phone using this number 866-450-5294
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If you have any query related to Old Navy Credit Card you can contact them on phone and also mail them on the address given below:
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Box 965030 Orlando, FL 32896-5030
Telephone number: 1-866-396-8254
Old Navy Credit Card Login Process:
To sign in your account follow the steps given below:
1- Go to the login page of Synchrony Bank by clicking on this Link.
2- You will see a login page now enter your username and password here.
3- Now click on Login button your account Dashboard will be opened.
4- Now you can access your account.
Final Tips:
Hopefully, this post will be helpful for you. You will get to know all the information related to the Old Navy Credit Card in this article. If you have any query feel free to contact us using our comment section.
Also Read: Guideline for QVC Credit Card Login


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Since majority of forex traders lose money (sorry guys, this is the truth) because of their inexperience and forex firma rehberi emotional indiscipline , their losses go into the pockets of the market-maker. They provide you online access to the vast market of foreign exchange. Since the broker earns commission fees on every transaction, the more you trade more they profit. Once you understand how Forex brokers make money, youll also understand the need for using a regulated broker, and youll be in a stronger position to trade the markets safely and intelligently. In fact, youd be surprised how little somebody running a Forex desk for a brokerage knows about actual trading. Most forex traders end up losing a lot of money Some statistics say only 5 of forex traders profit. They do so by trading a much higher lot in the same direction with their profitable clients and in the opposite direction with the unsuccessful traders. The brokers need fresh blood to keep making money, many of the traders in group B will give up on trading or move to another broker. Every broker has to decide whether a new account will belong to the group (95) of traders that loses money, or the group (5) that makes money. And why are there so many retail forex brokers out there?
How Your Forex Broker Makes Money
The main way that. Okay, hang on now. Another way that some Forex brokers will make money is in financing the loan. When there is leverage low, traders position size gets smaller and the brokers profit resulted from spread goes down as well. The broker does not make money on the spread; the broker makes money on the losing accounts. Despite what people tell you, as a retail trader you get nowhere near the true Interbank market, because orders need to be much larger to function in that arena. So, for example, if all traders in group A have bought the EUR/USD your broker will place a trade in the interbank forex market to offset any profits group A make on this trade. Given that you, the forex trader, has a number of advantages, have you ever wondered how your retail forex broker makes money? ECN brokers charge commission on each trade executed by the clients and it is their only source of income.
If the market makers maintain a high number of newbie traders on its platform, they will certainly make a good amount of money on their clients losses. As a general rule, if you stick with a regulated broker, you wont run into this issue. Brokers, the second category is called. Alternate sources of income Some Forex brokers will charge extra for bells and whistles when it comes to customer service and education. Trading forex is great online access to your account so you can trade anywhere in the world, very high leverage which enables you to make a significant amount of money from a very small account, the trades are commission-free. A big majority of forex brokers use these two business model in order to make money ; Straight Through Processing and Market Making. That being said, if you understand trading and proper money management techniques, these things are very rarely needed.
Swap Fees Forex brokers charge or pay overnight swap fees to the clients depending on the difference between the interest rates of the currencies traded. Some brokers like Pepperstone and IC Markets are pure ECN forex brokers while some others, such as FxPro, offer ECN account option alongside STP and other account types. You know that everything comes at a cost. Therefore, the clients can trade with raw spreads coming from the biggest banks in the world such as Deutsche Bank, Citibank, Barclays, etc. This can get a bit dicey and complicated, but suffice to say the FX broker with large amounts of orders can get paid interest in the true Interbank market, something that you will not be participating. In addition, Walter is the co-founder of m, and often coaches other traders. Click here to learn exactly how you can maximize your returns with our new 2-Period RSI Stock Strategy Guidebook. Thus many forex brokers offer high leverage to maximize their earnings. Since the pip value of 1 lot eurusd is 10, the broker is going to earn 3 from every 1 lot eurusd traded. Some, forex brokers will charge a commission per trade, while others will charge the spread between the bid/ask prices. Another myth is that brokers are traders themselves. The main source of income are broker fees.
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Given that 95 of how does forex brokers make money forex traders lose money, it is a very safe assumption. In a variable spread liquidity pool, the amount of the spread will depend on how many orders are out there. This intrinsic conflict of interest between forex traders and market maker forex brokers lies at the very heart of what determines a trader to be profitable or not. They have to make money so that they can survive and keep delivering you those great services. For example, brokers in the United States need to have a minimum of 20 million in the bank.
This type of brokers provide direct access to interbank exchange rates and matches their clients orders with interbank rates. So how does your retail forex broker make money? ECN Forex Brokers There is also how does forex brokers make money another category of forex brokers that I would like to mention; ECN forex brokers. This is the reason why I am emphasizing regulation and regulators in my every single blog post. The purpose of this capital requirement is to absorb losses for traders, and to have the ability to pay when that trader cashes out. Forex brokers make money, and what their role is in facilitating liquidity.
Bitcoin, market-, value -to-Realized-, value (mvrv) Ratio
They worry about order flow, system analysis, statistical analysis, and that everybody gets what they asked for in an ordered manner. Since 95 of the traders belong in this group, your broker is only too happy to how does forex brokers make money assume that you belong in this group. Forex brokers make money is by keeping the spread or charging a set fee per round turn. Commission-free trades, leverage, super tight spreads compared to banks and foreign exchange offices. Market Makers, the first category of the forex brokers is popularly known as market-maker and it is believed to be the largest group. I am giving you the tip of your lifetime. Forex brokers have previously mentioned that they have commission free trades, but what they typically do is charge more in the spread to make up the difference. Most brokers have a handful of charges that they use to profit from their clients. This implies that those type of brokers make money when clients (you) lose and lose when clients profit. Forex brokers are not in this business for humanitarian causes. This is because if a trader in group B loses 7,000 that is, he completely blows up his 7,000 account, then the broker gets all of that money. This is also why brokers are constantly advertising for new customers. In order to be able to earn money, the broker must get lower spread from the liquidity provider, such.5 pips.
Electronic Communication Network (ECN) broker. Market Maker forex brokers profit when their clients lose money. Getting familiar with these options will help you know where your money is going. Understanding how, forex brokers make their money can help you choose the right broker. Market Makers, first, I like to talk about how Market Maker brokers earn money from the services that they provide. This is especially true when a Forex broker is well-capitalized. Market makers trade in the exact opposite direction of your trade. I should add that none of the top five forex brokers in my list is a market maker. This type of brokers allows you access to the global liquidity pool which are compromised by regulated financial institutions.
What is the best proven, forex strategy setup for a day trader?
After some time, if you have consistently made profits, your broker will re-assign you to group A these are the lucky 5 of traders who consistently make money. This is because the marketplace was previously full of unscrupulous dealers that would do such things. Nothing could be further from the truth. STP Forex Brokers Spreads The biggest source of profit for the forex brokers comes from spread, which is simply the difference between Bid and Ask prices. If I gave you a coin and said that it would land on heads 95 of the time, I think you would probably want to keep the coin so that you could use it to win some bets. Unfortunately, some less than scrupulous. After you have joined this group your broker will lump your trades with all of the rest of group A and hedge against your trades. All those are awesome advantages. However, this is a fundamental thing to understand before depositing, as you should how does forex brokers make money understand where money flows throughout the system.
In this scenario, the forex broker earns.3 pips on every eurusd trade that clients execute. . So, the next time you see a forex broker advertisement you will know who they are really after. Included are dozens of high-performing, fully quantified stocks strategy variations based around the 2-period RSI. Some myths Some of the prevailing myths that endure for many years is that brokers are out there stop loss hunting, meaning that they are moving the prices on their servers to wipe out a bunch of traders in one shot. The answer might surprise you. After all, forex broker advertisements are everywhere and the competition seems to be very stiff. Tell me pals, how could a market maker maximize its profit? So the more you lose, the more they earn.
Bitcoin : The Actual, transaction, time
For example, some will offer signals, some will offer in-depth analysis, and some will even offer private educational classes and webinars for those who are willing to pay more or have a larger account. In all honesty, they very rarely are. Forex brokers are in this business for one sole purpose; to make money. This is why there are by far more market makers than ECN brokers. Index of Content, forex brokers are great mediatores, arent they? Every new account is assumed to belong to group B those traders that will lose money. Many forex traders may not be aware however revenue model of a forex broker directly affects the success of clients trades and investment. Let me first tell you that forex brokers are generally divided into two different categories. The true Interbank market is made up of the largest banks in the world, who cannot be bothered with a small trade that is worth 500 (for example). When there is a major announcement such as the Nonfarm Payroll Numbers coming out of the United States, the spread will typically widen.
This is a good protection against computer failures, computer vulnerabilities, theft and human mistakes. In fact, according to statistics available with the World Gold Council demand for gold in India fell by a huge 42 per cent. They provide an allowance that would allow them to continue earning money despite the riskiness of the forex market. However, any Malaysian companies that wishes to list in Malaysia would still need to offer 50 percent of public shareholding spread to Bumiputera investors. 125 As a result, 40 of oil fields in Malaysia are developed. 12,000/-, for Non ILS Students :.12,712/-.2288/-( 18 GST). It also provides some respite against bad times. Retrieved 20 February 2013. Centre on Integrated Rural Development for Asia and the Pacific. Viswanathan, Law Secretary, Government of India; Prof. How does forex trading work? Electrum Electrums focus is speed and simplicity, with low resource usage.


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This completely reworked edition of the two-volume The Oxford Companion to Medicine (Oxford Univ. Pr., 1986) is much shorter and is written for anyone with an interest in medicine, not just those working in medical fields. A cross between a dictionary and a single-volume encyclopedia, the book has an all-in-one quality that makes it appealing both as an excellent reference source and as a medical book that is fun to pick up and browse through. Of particular interest are articles about the field of medicine itself, including "Art and Medicine," "Communication Between Doctors and Patients," "Psychiatry," and articles about medicine in various geographical areas. The authors of the entries are primarily from the United Kingdom and are experts in their fields. The Encyclopedia & Dictionary of Medicine, Nursing, & Allied Health (Saunders, 1992) is similar but focuses is on serving students and practitioners, whereas The Oxford Medical Companion has a broader appeal. A welcome addition to any library.
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TSD brings added value to clients through an experienced team of IT consulting professionals and managed IT infrastructure solutions.
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Sound Opinions
Digital Music, Audio Fidelity & Reviews of Moby and Destroyer
iTunes, YouTube and MySpace have completely changed how we listen to music. But have they changed what we're hearing? This week Jim and Greg invite producer Butch Vig and music journalist Bob Gendron to talk about the digital era's impact on the sound of music.


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Help animals, don denim for Blue Jeans Ball
Looking to attend a fun-filled extravaganza that benefits homeless pets? Get your tickets to the Nevada Humane Society's third annual Blue Jeans Ball, honoring Washoe County Sheriff Chuck Allen. The Blue Jeans Ball will start at 5:30 p.m. Nov. 14 in the Tuscany Ballroom at the Peppermill Resort Hotel. Festivities include a formal dinner, dancing, silent and live auctions, raffles and more. Live entertainment will be provided by the VooDoo Cowboys, a Las Vegas based country rock band.
With the glamorous Denim and Diamonds live auction, the Blue Jeans Ball features a host of prizes including vacation and golf packages, designer jewelry, private dining experiences, as well as other items available during the silent auction and raffle contest. All proceeds benefit homeless pets.
A special VIP reception will feature a private, acoustic concert by the VooDoo Cowboys, custom cocktails and photos with the event honoree Chuck Allen.
Individual tickets start at $150; tables and VIP packages are available also at www.bluejeansball.net.


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Whether you are after a clutch pencil, mechanical pencil, individual grades or a box set of pencils we stock Staedtler, Faber-Castell, Derwent and Koh-I-Noor, artist quality pencils at amazing prices. Ideal for a whole range of applications including sketching, shading and accurate detailing. From 10H to 8B, willow charcoal to graphite sticks there is something for everyone. For the studios we have the instantly recognizable blue barreled Staedtler Lumograph 100 series in singles or tins of 12
Considering coloured pencils we stock Koh-I-Noor pencils which come with rich tones, high pigment content and over 150 years of experience guaranteeing the highest quality at a price more familiar with a lesser quality product


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Date: November 5-7, 2019
Location: Frankfurt, Germany
Booth: 102A30
The world's largest pharmaceutical exhibition, CPhI Worldwide houses six individual pharma events covering all industry sectors – from ingredients and FDF to machinery, packaging, outsourcing and biopharmaceuticals. DuPont Nutrition & Biosciences will be among the more than 45,000 pharma professionals from around the globe and more than 2,500 international exhibitors in attendance. The event offers a venue for networking and to source cost-effective pharma solutions from all over the world in just three days. Participants can join in Pharma Insight Briefings to hear of the latest developments in the industry or discover pioneering new products and technology at the event's Innovation Gallery.
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CSU team uncovers potential for Rift Valley fever virus transmission in Colorado livestock
CSU researchers found that mosquitoes that could transmit the virus were abundant in feedlots and at nearby sites.
CSU researchers found that mosquitoes that could transmit the virus were abundant in feedlots and at nearby sites.
The CSU College of Veterinary Medicine and Biomedical Sciences and the Department of Microbiology, Immunology, and Pathology celebrated a new era in infectious disease research, with a groundbreaking for the Center for Vector-Borne Infectious Diseases on June 18.
The deadliest tick-borne disease has Colorado roots. Powassan virus—which is fatal in 10 percent of cases and leaves half of its victims with brain damage—hasn't been detected in a Coloradan. But scientists first isolated it from a tick found along the Cache la Poudre River in 1952, six years before the first known human case (in Ontario), says Powassan expert Dr. Gregory Ebel of Colorado State University.
Alex Byas, who is also a veterinarian and a PhD student at CSU studying West Nile virus, opens a lab fridge to reveal a Ziploc bag full of vials of ticks. They look dead, but they aren't. She needs them alive to keep the potential viruses inside them fresh.
How concerned should you be about Zika virus? CSU researchers weigh in on the topic.


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My name is John Mc Cauley and I'm based in the Midlands of Ireland (just outside Mullingar, Co Westmeath). I offer a professional and friendly photography service.
Prints of all images in the galleries are for sale (unless otherwise stated). To purchase please complete the form on the contact page and I will get back to you promptly with postage inclusive costs.
Standard Sizes available 6" x 8 ", 10" x 8", 12" x 16" or other sizes to order.
Welcome to "Images of Westmeath & More" Photo Collection
My name is John Mc Cauley and I'm based in the Midlands of Ireland (just outside Mullingar, Co Westmeath). I offer a professional and friendly photography service.
I have a passion and natural talent for Photography and I have been taking photos for over forty years. I have built up a collection of 1000's of images of local places, scenery, towns, villages, landscape and wildlife images from all areas of County Westmeath.
I am delighted to present a selection of quality images from my vast collection on this website. Please view the galleries here. Please check back frequently – as I will be updating the galleries on a regular basis
If you would like to have one of our images to hang on your wall please fill in the details on my inquiry page. If there is some fond memory you have of a location in Westmeath, or some town or Village, let us know the details and I will come back to you with suggestions and costs. I may even have it already in my 100's of images ( of which only a selection appear on the website).
Should you wish to have a Wedding, Special Event or Party photographed, please do not hesitate in contacting me on the number or email above for a quotation.
All images in the gallery are for sale and can be reproduced in various sizes. Please fill in the form on the Contact page and I will be back to you soon re your inquiry.
I look forward to being of service to you!
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The team at Hanley always strives to keep their fingers on the pulse of the market as well as having close involvement with community events and activities. We offer a bespoke and client-oriented service, with attention to our client's needs, whether it be a first-time buyer or multiple landlords and take a conscientious, step-by-step service approach. We have a strong focus and presence in and around the local community giving Hanley a further and deeper understanding of local residents and what the area has to offer.
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Watch this story of how Bryson Blaine chose to give back to his community after being the recipient of services from the Salvation Army. Bryson's story reminds us of the impact our service has beyond what we may even realize. His service inspires us!
Stick around! We also sat down with Caleb, our Chief Storyteller, to get the scoop on the process of telling Bryson's story. Check out the Q&A below!
- How did you find out about the story? "Our team was approached by the Salvation Army here in Montgomery, Alabama to create a promotional video. We met with Lt. Bryan Farrington and asked him to tell us about the special people who have utilized the Salvation Army and have gone on to make an impact in their community. Bryson's story really stood out to us."
- What was your initial approach to telling the story? "We wanted to show that not only does S.A. help the homeless community in Montgomery, but those people also pay that help forward to make an even larger impact on the community."
- What is your most memorable experience from telling this story? "It would definitely be seeing Bryson tear up when he hung his first flag after cleaning up the front of a local nonprofit, That's My Dog. It was a powerful moment that I won't forget."
- What do you hope to accomplish by telling this story? "I hope to encourage people to donate their time and resources to the Salvation Army in their community. I believe they will see that their impact is even bigger than what they expected."
- What is something that you hated to cut from the video that had to go because of time constraints? "Although we focused on Bryson's story, there were so many stories of Salvation Army impact that we weren't able to cover in this video."
Donate to Montgomery River Region Salvation Army!


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Senegal & Chad: The Future of Accountability In Africa.
The former dictator of Chad, Hissène Habré, is currently on trial in Senegal on charges of crimes against humanity, torture and war crimes.
Habré's trial will be the first in the world in which the courts of one country prosecute the former ruler of another for alleged human rights crimes. It will also be the first universal jurisdiction case to proceed to trial in Africa. Universal jurisdiction is a concept under international law that allows national courts to prosecute the most serious crimes even when committed abroad, by a foreigner and against foreign victims. A most recent example of this has been attempts by Spain to extradite the Rwandan security chief.
Habré was president of of Chad from 1982 until he was deposed in 1990 by Idriss Déby Itno, the current president. Habré has been living in exile in Senegal ever since.
This was all made possible by the establishment in Senegal of a purpose built court system called the Extraordinary Africa Chambers. A third of the funding has come from Chad (no doubt incentivised to ensure his imprisonment) and the remainder from Western nations.
Although, Habre will be tried within the Senegalese court system, the trial will have a distinctly international character with the judges appointed by the African Union.
The trial is not only a milestone in African human rights law but is likely to lay down a marker for the dwindling number of African dictators, as to the direction the winds of change on the continent are blowing. However, for those who have concerns on the reach of countries exercising laws of universality. There is some crumbs of comfort for those concerned that universal jurisdiction in Africa could give rise to a worrying trend. In London recently, the courts dismissed the extradition request by the Spanish judiciary to extradite the Rwandan Security Chief for crimes against humanity committed after 1994. His legal team supported by Cherie Blaire, the wife of the former UK Prime Minister, convinced the court that universal jurisdiction should not apply under UK law, and therefore their client should not be extradited.
For those considering investing in the region juridical accountability is likely tobe positive news. Sustained economic growth and good governance are not mutually exclusive but complimentary, despite arguments to the contrary from some quarters.
Kenya: Worrying Cold Headwinds
Fitch announced it had put Kenya's credit rating on a negative outlook from stable, signalling a possible downgrade over the next one to two years if the debt situation deteriorates.
Kenyan bonds, which broke records in June 2014 by being the largest début by an African country when it raised US$2.75 billion from international investors, have lost more money for dollar investors than any other emerging market sovereign bond. In the first quarter of this year the economy grew by 4.9 per cent, below expectations for the country.
"Fitch Ratings has revised the outlook on Kenya's long-term foreign and local currency issuer default ratings (IDR) to negative from stable and affirmed them at 'B+' and 'BB-', respectively.
Kenya's public finances have been on a steadily deteriorating trend since 2008, reflecting weak revenue performance, increasing infrastructure spending, and persistently high current expenditure.
The government last year raised $2.75 billion (Sh280 billion) by selling dollar-denominated sovereign bonds to global investors and looks to go back to the international debt market to finance a growing budget deficit. Exports are struggling, the tourism industry is weak, concerns over insecurity seems likely to stymie economic activity for many years, and imports show no sign of slowing down at a time when the shilling is in trouble. If that was not enough corruption real and perceived continues to plague the country.
With the rise of neo Afro nationalism, a question that is seldom raised but key to this continent's economic development is the status of work and establishment mobility in sub-Saharan Africa – a region with a drastic skills deficit?
The Ghanaian authorities have recently confirmed the continued closure of foreign owned shops and the expulsion of the owners, the majority of whom are Nigerian. This order follows the passing of the controversial Ghana Investment Promotion Act that excludes foreigners from certain small-scale businesses in Ghana in contravention of the ECOWAS treaty.
In what has been the largest deportation of people from the country since the mass expulsion of Ghanaians in the 1980s; the Nigerian government meanwhile has quietly been deporting tens of thousands of citizens from Cameroon, Niger and Chad for what it argues are security concerns in support of its fight against Boko Haram.
Citing concerns over security and crime, the Kenyan authorities have arrested scores of migrants mainly from the West and Horn of Africa. However, affected foreigners have complained that the Kenyan police are merely using security concerns as a pretext for beatings and deportation which have increased in light of the Westgate shopping mall attack in 2013.
South Africa meanwhile has introduced new immigration measures for Zimbabweans, which could potentially mean many may be forced to leave either at the end of the year or upon the expiry of the new dispensation irrespective of how long they have been in the country.
Although the Southern African Development Community has been handicapped by a lack of interest from its member states, mainly South Africa, other regional blocks have gone some way to attempting to implementing free movement of persons.
Citizens of ECOWAS enjoy visa free travel within the region for up to 3 months, after which a permit is required. The East African Community has gone further and introduced the EAC passport, which proffers similar rights for up to 6 months. Citizens of certain countries in the EAC can even move without a passport and are treated as domestic students when studying in another member state country.
Download the full Employment and Mobility in Africa article or continue reading.
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Worldwide assets held in exchange traded funds (ETF) have reached US$2 trillion. This milestone should be seen within the context that the US$1 trillion milestone was obtained in 2009 after almost 19 years. Notwithstanding the growth in the ETF industry, the relative low barriers to entry have given rise to significant competition. ETF fees have been reduced (the average fee is 30-40 bps in Europe) and there have been an increase in delisted or merged ETF.
As a further illustration, 1,200 exchange traded products ("ETP") in Europe have assets of less than US$50 million. Blackrock's recent purchase of Credit Suisse's ETF arm is thought to be the beginning of significant consolidation in Europe which could give rise to a reduction of 30% of ETP providers. The economic rationale for the industry and their products is sound and universal but US and particularly European ETFs require new investors.
Africa with its unprecedented growth provides wonderful opportunities for ETFs. Many African countries are experiencing growth not seen since the first years of independence. Average GDP growth in Africa is expected to exceed 5.8% with some economies witnessing double-digit growth. The economy of Nigeria is due to be the largest in Africa by 2016. Africa is therefore at the point where institutional and high net worth investors need, and are interested in, opportunities beyond the current narrow categories of government bonds, real estate and local equities, which have an inverse correlation with the risks from local infrastructure fund investments.
Exchange traded products ("ETPs") provide a transparent, flexible and arguably efficient exposure to different asset classes. They are therefore suitable for local money managers in Africa, which wish to reduce credit risk, obtain liquidity, portfolio diversification and exposure, which cannot be obtained locally. Several exchanges have already expressed a genuine interest in listing ETPs such as ETFs, commodities ("ETC") and currencies ("Currencies").
This presents a significant expansion opportunity for large ETP providers willing to invest in what is still a relatively nascent financial market. The benefits are obvious. It would: (1) increase assets under management ("AUM") from a non-industrialised world correlated market and (2) enhance brand recognition where a first to market premium is still available.
Due to liquidity problems many large investors are keen on reducing exposure to local equities and consider plans to develop an equity futures market too limiting. High domestic inflation and currency pressures also dilute values in local currency denominated on shore investments, such as bonds. Unfortunately, there are few local currency denominated opportunities for institutional investors seeking liquid, strategic and tactical opportunities to invest in equities/fixed income or commodities within their own jurisdictions as well as obtaining underlying exposure to other jurisdictions in Africa, US, Europe or Asia etc.
Current estimates indicate that Nigerian pension funds, which are limited to poor performing equities and government bonds, would invest hundreds of millions of USD into first generation ETFs. With the exception of South Africa, Botswana, Nigeria Ghana and Egypt there are no equity ETFs in Africa.
Many African pensions are cautious about investing on overseas exchanges due to low offshore exposure caps . Moreover the listing process in many exchanges in sub-Sahara is slow and convoluted. South Africa which has a relatively efficient listing process has currency control restrictions which mitigate against offshore ETFs listing and currently has very few ETPs, the major diversity being brought by exchange tradable bank issued debt securities which carry issuer risk. Moreover, a lack of technology in all exchanges in sub-Saharan African with the exception of the JSE, make it difficult for market makers to trade in real time to satisfy local exchange demand.
What is required is an opportunity for ETP providers to reach a new market, using technology which would enable real time trading through local exchanges in domestic currencies.
Download the full report of Exchange Traded Products in Africa


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But I digress.
People in "Christian circles" can get very heated and intense about all sorts of stuff. Politics. Abortion. Contraception. What "church structure" should look like. The roles of men and women. Music. Clothing. The list is pretty much endless.
But my question is this. WHY does any of that stuff matter so much? Why does "The Church" have to have a unified stand on it at all?? If it is really all about love and relationships - community - then there should naturally be room for diversity. If it's not about the rules, then the rules shouldn't be the focus.
But I think it goes deeper than simply relationships versus rules. There's a mindset behind a lot of the arguing, that "The Church" is somehow the authority for what is right, and what is not. Well if it is, I suppose there ought to be some consensus - but where does that idea come from? Conversations I recently had with some Christian friends about their opposition to legalising gay marriage in Australia really highlighted this for me. The whole "God says it. So I must enforce it" mentality seems flawed to me in a whole lot of ways. Not least, because nobody can actually agree on whether God does say it - even theologians.
And if the whole Christian thing is about relationship and love, and no need for a mediator between any individual and God - then shouldn't there be room for the individual and God to work out where they stand on issues like this? Love shouldn't depend on ideological or theological conformity!
But behind a lot of the arguing, is still this idea that it matters - critically - because the Church is the authority. Hmmmm... really??? Which Church? And - over everybody??? Personally, if that's the truth - I think we're in BIG trouble!
Yet if the words of Jesus are any indication (!!!) "The Church" was never meant to be the model of correct anything. It was meant to be the embodiment of love. Doesn't that put a completely different slant on everything??? I really think it does!


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Birthdate: 6/23/2007
Heritage: 3/4 Bolivian, 1/4 Peruvian
Registration: ARI Registered
Color: Beige
Type: Male Suri
Status: Unproven
Description: Every year, Portia presents us with an extraordinary cria, and 2007 was no exception! Maestro (called "Mike") was born with fully locked suri fiber that was nearly 4-inches in length! His color is a vanilla-cream shade, very rich and elegant looking. He has perfect conformation and an elegant carriage, together with Portia's gorgeous head, and a very small but perfectly proportioned frame. Everyone exclaims over Mike's fleece, which is fabulous, with tiny locks and a slick, "greasy" handle. Mikey is sweet-natured, easy to manage and one of my favorite boys. At 30" in height, Mike easily qualifies for miniature status.
Dam: TF Portia
White, 178930, Full Bolivian
Portia is a rare full Bolivian suri female with the luster and handle
...Read More
Portia is a rare full Bolivian suri female with the luster and handle we all want in our suri alpacas. Check out her fiber statistics as well! At her age she is maintaining absolutely stunning micron and uniformity! We're pleased to announce that Portion has just delivered her third cria -- another exquisite white female (making her 3 for 3 females!). Just as with Portia's first crias, her new girl -- LSF Moonlight Sonata -- exhibits beautiful conformation, extraordinary vitality and a nicely locked suri fleece.
...Read Less
Sire: The Colonel
Light Fawn, 166586, 1/2 Peruvian, 1/2 Other/Unknown
This golden son of 4Peruvian Sheriff has exquisite, dense fiber that l
...Read More
This golden son of 4Peruvian Sheriff has exquisite, dense fiber that lights up the pasture! Colonel's fiber excels in luster and handle, and is uniform in those qualities as well as his golden color from head to tail. He bears dense, lightly twisted "flat" lock structure, with that coveted cool "greasy" feel. He also has excellent leg coverage to his toes. With excellent bone density, his conformation is near perfect, and his stature and demeanor befitting that of royalty. He is an aggressive breeder, perfect for the reluctant female. Let The Colonel bring glowing results to your suri breeding program. Colonel's crias excel in lock and luster. We have now discovered that he also passes on a wonderful propensity for his crias to quickly develop excellent lock structure even after 3 shearings. We have also learned that Colonel's first grandson (a TB son of LSF Rhapsody) despite being the youngest in the class, placed third in the 2007 All American Futurity!As
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The Pastel Paca at LadySong Farm
2473 Bunker Hill Road, Randolph, NY 14772
(716) 499-0383
By Appointment


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For many years, practitioners in
alternative medicine have scoffed at patch-up surgeries as quick-fix solutions
that don't last, since the causes underlying the "need" for angioplasties,
bypass surgeries, and heart transplants were never dealt with. Diets remained
unchanged, lifestyles remained unimproved, and surgeries tended to be followed
by more surgeries and more medications, reaping generous financial rewards for
the orthodox practitioners until their patients' untimely demise.
Meanwhile, conventional medicine
for over twenty years has scoffed at those who attempt to treat modern
degenerative diseases with vitamins and other supplements, calling them
"quacks" and their recommendations "unproven" and "scientifically
Finally the two sides are coming
together in what is called "integrative medicine." One example of this is a
study completed recently out of Oregon State University in Corvallis and Brigham
and Women's Hospital in Boston. The study, performed according to current
double-blind standards, required 40 heart transplant patients to ingest either
1000 mg of vitamin C and 800 IU of vitamin E or a placebo.
After 12 months, the arteries of
all 40 patients were screened for increases in arterial blockages. The arteries
of the placebo group had developed "significant narrowing due to plaque
buildup," whereas the blood vessels of the group taking vitamins C and E
remained clear and unchanged, according to an article published in the March 10,
2002 issue of England's premier medical journal, The Lancet.
Since current statistics indicate
that 7 out of 10 transplant patients develop postoperative hardening of the
arteries, this study has profound implications for heart and other transplant
patients. The lead researcher, Dr. James Fang, M.D., observed, "Our results
suggest that vitamins C and E provide a clinically useful approach to reducing
arteriosclerosis after cardiac transplantations. Antioxidant therapy with these
vitamins may also be useful in other solid-organ transplants, such as kidney and
Previous studies involving
postoperative vitamin protocols had used vitamin E but had failed to include
vitamin C in their regimen. Vitamin E alone had been consistently unable to
provide the benefits the vitamin researchers had hoped for. Scientists are now
learning that the optimal benefits of vitamin E depend upon an individual having
adequate reserves of vitamin C and that a synergy between the two vitamins
provides the ideal effect.
Current studies will determine if
these two essential cellular enzyme cofactors, which we commonly refer to as
vitamins C and E, will continue to provide postoperative benefits to transplant
patients. Dr. Fang spoke optimistically about his research: "Further
investigations are warranted to investigate whether the beneficial effects of
vitamins C and E [will be] sustained over many years during which most of the
clinical complications resulting from transplant-associated arteriosclerosis
Patrick, currently 90 years
"young," owns a company he founded upon his retirement 30 years ago. The
company, Alacar, produces a vitamin C ascorbate drink mix, enabling American
families to turn their daily glasses of water into tasty electrolyte-balanced
fizzy drinks containing abundant vitamin C and trace mineral compounds.
Thin, but still bright and
articulate, Patrick is currently one of the vitamin industry's most outspoken
advocates for vitamin C supplementation. With CAT scan readings of "0" for
evidence of arterial blockages or arteriosclerosis, his anecdotal evidence adds
to the findings in Dr. Fang's recent studies: the jury seems to be in
agreement that supplemental buffered vitamin C can make a world of difference in
quality of life and length of life during our later years.
Return to main


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We, Y-modify, are going to exhibit our robot in Maker Faire Tokyo…Leave a Comment
Category: progress
Hey, this is Nyanyan, long time no see! I was so busy with making…Leave a Comment
Hey, we made a progress! It's coord.e. Forward Movement 300…Leave a Comment
It's Nyanyan, sorry not to have written this blog so long. …Leave a Comment


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Category: Televisie & Film
RTL Mijn Stad
In RTL Mijn Stad Daan Nieber en Jeroen Klinkers visit every week a Dutch city and are guided by 2 enthusiastic locals. These 2 locals show the secrets of the city.
Voice over recording, audio post production and mix.
Commissioned by CityFilm en The FilmFactory.


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I am nearly 40 (OMG I can't believe I am writing that number…) and I never ever had my hair dyed. I don't have any white hair to hide so it's true I don't really "need" it. But sometimes I wonder why I never gave it a try, I mean this is one of the easiest way to change the way you look.
It's not that actually never wanted to try. But I probably never did it because one advice my mother gave me was to never do it because "it would ruin my hair and it would never be the same after that". Which was weird coming from her because she used to always have her hair dyed, but I guess for me that meant she knew what she was talking about. Maybe another reason why I never did it was because at the time (ok, now it really sounds like I am old…!) I was mostly surrounded by pretty brunette that only had one dream: to be blond. But being blond doesn't suit everybody if you know what I mean… and for me it was a pity to see women ruined their natural hair colour for another colour that didn't necessarily suited them. But it has to be said that there wasn't that many choice of hair colours, you could be a brunette, blond or if you dare even have red hair. But as I said, that was before!
In the past few years things changed so much and you can basically dye your hair any colour of the rainbow and even look like a unicorn or a mermaid if you want to! And I can't say enough how much I love it! I loved to see people daring that beautiful purple colour a few years back, then came that gorgeous white/grey hair trend that I think I loved even more. But as you know I am a pink lover so I obviously couldn't resist the beautiful pink hair we've been seeing around. I really love it and it almost makes me want to finally switch those black hair of mine for rose gold hair!
Do you also like it? And what about you, would you dare give it a try?


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Every Iowa home should be insulated from the top down for optimal energy efficiency. In order to maximize the comfort of every room in your home and increase your overall energy efficiency, we have pinpointed the top 4 places in your home should that should be addressed with proper air sealing and insulation.
This is an easy one to explain, heat rises. The majority of your home's heat is lost or gained through the roof making the attic the most essential area to insulate in order to create a comfortable/energy efficient home.
Our home comfort services will treat attic first by air sealing and fixing all of the things you are about to bury like can lights, space around the chimney, pipes, and wire holes. Then install our cellulose insulation up to the optimal level your home requires.
Some issues associated with little or no exterior wall insulation are cold spots on the walls, air leakage through outlets and moisture problems.
Proper insulation and air sealing of outlets and windows will help create a barrier between your living area and extreme outdoor temperatures. This will also reduce mold and mildew growth caused by condensation from cold weather getting into the wall cavity.
The floor of your room above the garage is often forgotten about and will give you the most trouble with extreme temperatures. If the subfloor of the room above the garage is not insulated properly, the temperature of the garage will dictate the temperature of the room above, along with the smell and noise that come with a garage.
When most homes with basements were built they were intended to have an unfinished basement, so nobody insulated or air sealed them. But then we put our heating system, ducts and water heater in the basement which heat the basement "unintentionally".
This heat is lost by conduction through cold dense foundation walls, cold windows, and uninsulated rim joists. The rim joist is one of the most problematic areas and sits right above the foundation wall; it is the outer perimeter of your first-floor framing system and often leaky and uninsulated.
If you are experiencing any problems with cold floors and drafty rooms in your home, contact Home Solutions of Iowa at 515-999-2896 for your free Home Comfort Evaluation today.


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$49.99 $59.99
Designed for 5 year olds and up, the Bell Sidetrack Kid's Helmet features Bell's all-mountain shape with lower coverage on the rear of the head - similar to the Stoker adult helmet - in a pint-sized package for little rippers. The ready-for-action style, complete with a cool visor, gets young riders motivated to ride. The comfortable, secure ErgoDial fit system makes it quick and easy to get them going.


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The Houghton Hall estate was in poor shape on the death of Horace Walpole, 4th Earl of Orford. His heir, the Earl of Cholmondeley, commissioned a Cheshire surveyor, Joseph Hill, to make a survey of the estate.
The volume also contains 18 maps and 85 illustrations, chiefly of farm houses, with detailed commentary.


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*New patients without dental insurance benefits receive a free exam and xrays on their first visit. Must present or mention offer. Must be a new patient, or have not visited for 3+ years. Not valid with emergency visits.
"I really am impressed with the way I'm treated here! My family will be coming here too!"
~ Jean O.
"Nice of you guys to shuffle around my appointments to help me."
"I should have come to you 2 teeth ago!"
~ Jeremy W.
"Thank you for the great service and great help with dentures. They are good now."
~ Charlene H.
"You're good at what you do! You can always tell when you are getting a good cleaning!"
~ Charles A.
"You guys are so awesome. I just love coming here. Very accommodating and caring. I had a toothache – needed to get in and you got me in the same day!"
~ Tom M
"I've been to 8 different dentists, and you guys are the best! Thank you so much for the gift card and letter! You guys are all wonderful! I have the letter on my fridge!"
~ Mike
"Since my insurance doesn't pay for crowns, I came here to get it because I have heard from several different people you are the best."
~ Rachel T.
"You guys are so fast…like Nascar. You make a good team."
~ Amber L.
"They remember my name and say "Hi Erika" every time I come in the front door. That's what I love about this place!"
~ Erika S


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Simply to be safe you can fit a plastic sheet over the mattress, however you'll just have to try this for yourself. For some the plastic will make it difficult to rest because it can make noise whenever you roll over. If it keeps you from resting then you're defeating the function of getting a foam mattress pad. One final thought, why not get a pad for each bed in your house. It just might help your kids rest much better too, and I think most parents would concur it's a lot easier to rest when the kids are resting soundly.
With so numerous choices at your fingertips, it is worth your time to consider a brand-new bedspread for your space. Best of all, bedspreads have a tendency to last for numerous years and still look fresh and brand-new after several washings. If you are in the market for brand-new bedding, take some time today and look into a bedspread as a possible option.
Duvet in French (old) language meaning "Down" pronounced as "due-vay" which is same as down comforter utilized in European nations. It has various names – down comforters in Europe, duvet insert in America and federbetten or featherbeds in German. In earlier days it was filled with various kind of feathers, in truth whatever kind of feather they could lay their hands on.
Due to the fact that of the nature of bunk bed prices, more affordable bunk beds typically cut corners on vital details, like tough guard rails and safety ladders. Our assistance: examination the bunk bed before you purchase it.
More pricey (however not virtually as pricey as a brand-new mattress) is the memory foam pad. By now you've probably found out about how memory foam works. These pads will adapt your body shape and add added support where you require it. When the spending plan allows, we suggest going with a memory foam mattress, however for now, the pad will do. As a side note, you need to likewise check out memory foam pillows to go with your brand-new pad.
Having bedroom sets that are inadequately made in a bedroom will only make it look unattractive. How can anybody be expected to relax and charge in a bedroom that is substandard looking with a bedroom set that appears careless? Bedroom sets that are well-constructed can make the space a real haven which a lot of weary, active individuals require.
Weave of the material figures out the sheets level of softness, crispness, breathability, and longevity. Percale weave produces a sturdy and long lasting bed sheet. Percale sheets are breathable and have a crisp feel that will soften with repeated washings.
The overall health and well-being of individuals depends to a big level on the quality of sleep. If you are not able to obtain, great evening's sleep, it can detrimentally influence your health. It may be a number of reasons for inadequate sleep, an awkward bed mattress is one of the leading elements. If you're not in a position to have to get a proper evening's sleep and you may deal with the possibility of altering your bed mattress. Memory foam bed mattress is preferred for the high level of comfort and appropriate spine placement, which is essential to ensure appropriate sleep and health. Instead of purchasing a new memory foam bed mattress, you can have the exact same advantages by purchasing a memory foam bed mattress and put it over your original bed mattress to finish. However your original bed mattress must be firm enough to offer the essential support than memory foam mattress pads are very soft.
The gartered sheets which were first utilized by individuals have actually gone with a number of changes with the years. Nowadays, you can purchase various designs, sizes and shades of fitted queen sheets and you can even place an order for these items with the World Wide Web.
Most of the silk pillowcases that are readily available in the market today offer exceptional quality materials making it a best selection for those who are prepared to invest extra dollars for an elegant pillowcase. Other pillowcases in the market today are somewhat coarse as well as if it claims to be made from one hundred percent silk, it does not have the luxurious quality of premium and genuine silk pillow cases. In addition to that, the soft qualities of this sort of silk fibers ought to not also be mistaken for weakness since this can be as resilient as any various other sort of silk fibers established in this industry and sometimes, this is much more powerful than various other sort of fibers in the market. There is no contesting that exceptional quality silk pillow cases are your best selection and the greatest quality of silk material the market today can offer.