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For you as a customer at Briox it is important to know about the new Data Protection Act and GDPR (General Data Protection Regulation). The GDPR forms part of the data protection regime in the UK, together with the new Data Protection Act 2018 (DPA 2018). The main provisions of this apply, like the GDPR, from 25 May 2018.The new Act aim to modernise data protection laws to ensure they are effective in the years to come.
Information Commissioner's Office – ICO, is the independent authority set up to uphold information rights in the public interest. On their website you will find more information about GDPR and what you need to know and do.
The GDPR applies to the processing of personal data. Personal data is every relating to natural persons who can be identified, or who are identifiable, directly from the information in question, or who can be indirectly identified from that information in combination with other information
Personal data may also include special categories of personal data or criminal conviction and offences data. These are considered to be more sensitive and you may only process them in a more limited circumstances.
If personal data can be truly anonymised then the anonymised data is not subject to the GDPR. It is important to understand what personal data is in order to understand if the data has been anonymised.
Note that you as a customer of Briox are controller of all processing of personal data in the program. That is why it is important that you adhere to below principles.
The GDPR sets out seven key principle:
These principles should lie at the heart of your approach to processing personal data.
GDPR applies to controllers and processors. A controller determines the purposes and means of processing personal data. A processor is responsible for processing personal data on behalf of a controller. Depending on what role you have, there are different responsibilities;
Briox is controller for all processing of personal data about you as a customer and user, what you order Briox Services or when you contact us. What we do, or do not do with your personal data is described in our Privacy Policy,
Briox is processor and is responsible for taking appropriate technical and organisational measures in the processing of personal data, so that you can feel safe and secure with the personal data you collect, and that it is processed in a safe and secure way according to the law. Briox technical and organisational measures is described under Security.
You as a customer and user of Briox is controller of the personal data your collect and processes in Briox program. More about where you collect and find personal data in Briox is described in our help texts. Briox is, as described above, processor and takes appropriate technical and organisational measures so that you can feel safe and secure with the personal data you collect, and that it is processed in a safe and secure way according to the law.
The lawfulness, fairness and transparency principle is broadly similar to the first principle of the 1998 Act. Fairness is still fundamental. You still need to process personal data fairly and lawfully, but the requirement to be transparent about what you do with people's data is now more clearly signposted.
For processing of personal data to be lawful, you need to identify specific grounds for the processing. This is called a 'lawful basis' for processing, and there are six options which depend on your purpose and your relationship with the individual. You will have to identify It can vary from case to case and depends of the type of business you are conducting, which laws you need to follow, and if you are collecting data that is necessary or nice to have.


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Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you're wanting to accomplish. If you'd prefer to talk live, call 888-626-0439 to speak with me directly.
In This Article, I'm Going To Explain Everything You Need To Know About Mortgage Life Insurance To Help You Decide If A Mortgage Life Insurance Policy Is Right For You
Most likely you're here today because either yourself or a loved one has recently purchased a home and you've been inundated by offers for so called mortgage protection life insurance plans, or perhaps your mortgage lender offered you what's called a mortgage credit life insurance policy.
All of this makes you wonder what these plans are and if having one is a sensible decision. My goal is to answer the following questions to help you make that determination for yourself.
NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete presentation. Enjoy!
Here's An Overview Of Today's Topics:
- What Is Mortgage Life Insurance?
- Case Studies
- Who Buys Mortgage Life Insurance?
- When Should You Get Mortgage Life Insurance?
- Top 7 Reasons People Buy Term Insurance
- Why Should You Get Mortgage Life Insurance?
- Stories From The Field
- How Can I Get Mortgage Protection Life Insurance?
- Burial Insurance Rates, Age 40 to 90
We will answer all of these questions in good detail so that by the end of this article, you'll know for sure whether or not mortgage protection life insurance is right for you.
What is mortgage protection life insurance?
For the sake of clarification, there are primarily two different kinds of mortgage protection life insurance plans. They both operate differently and have their own pros and cons. I'm going to explain both and briefly cover the pros and cons of each to give you an idea of what type of mortgage life insurance plan might be best for your situation.
Buy Life Insurance for Burial works hard to help people like you get affordable life insurance, whether you are looking for income replacement or final expense coverage. We find the most competitively priced option available to you while ensuring we provide the best value coverage possible. Let us help by providing you with a free quote today. In 10 minutes or less you can get a quote by calling 888 626-0439. Alternatively send us a message using the box to the left side of the screen and we will be in touch soon.
1. Mortgage credit life insurance
Mortgage credit life insurance is a plan that is usually tied to the mortgage. Typically the bank will be the one to sell this plan to you when you take out a mortgage. It is designed to pay off your mortgage if you happen to die before the mortgage is paid off. These plans are not fully underwritten, so essentially they are a guaranteed issue policy.
The policy itself only lasts for as long as you owe the mortgage. There is a later period in which you can cancel the plan once the mortgage balance is 70 percent or less of the original total and it only pays off for the exact amount owed, not a penny more.
So the benefit of these plans comes into play when somebody who's approved for a mortgage ends up having a health issue and can't qualify for something that's superior coverage. The cons with these plans, generally speaking, is that they are non transferable, meaning you cannot take the policy with you once you sell your home.
Also the policy decreases in size without necessarily decreasing the cost to keep it in place. And it doesn't benefit beyond paying off the mortgage to clear the bank of the loan, which of in and of itself is a good thing, but as you'll see later, there are other plans that offer more than one benefit like the mortgage protection life insurance program.
2. Mortgage protection life insurance
If you've recently purchased a home, you've probably seen an endless supply of letters and postcards offering you life insurance plans to cover your mortgage, to pay off final expenses, and other such concerns. It's important to understand that just because they say mortgage protection life insurance, it doesn't necessarily make them any different than regular life insurance.
Essentially, they're designed to pay a death benefit to a beneficiary of your choice when you pass away within a set period of time. These plans, I believe, are multifaceted and superior to the mortgage credit life insurance policies in most circumstances.
- A mortgage protection life insurance plan can be custom tailored to the length of time you'd like it to be enforced. Whether that's for 10 years, 20 years, 30 years, or for forever.
- You can take your mortgage protection coverage with you even if you sell your home. Again, life insurance is just life insurance. "Mortgage protection" is just a fancy term we use to describe the real motivation that leads people to purchase the policy.
- The coverage remains level and doesn't decrease over time.
The last point is one of the biggest advantages of mortgage protection life insurance. If you purchase a 30 year term insurance policy for $500,000 and end up dying in the 29th year, even though your mortgage is almost paid off, if you have a 30 year loan, you still will get a $500,000 death benefit paid out to your beneficiary.
Even with the reduction of the mortgage over time, the good news is that the overall coverage does not actually reduce. This is an important aspect because ultimately when you purchased the mortgage protection life insurance program, you may believe you only need coverage for a short period, but many of my clients end up needing coverage for much longer than they would have guessed initially.
This is especially true for those who climb the ladder in their profession and increase their income. Because with an increase in income often comes an increase in financial obligations, which means that life insurance plays an even more important role than initially imagined.
Generally speaking, when comparing a mortgage protection life insurance program versus a mortgage credit life insurance, I believe an individual mortgage protection life insurance program is a better deal overall. If you buy from a life insurance agent instead of a broker at a bank you will have coverage that will not only take care of the mortgage, but a lot of the other financial concerns that tend to pop up after someone passes away.
Case Studies
Career Advancement Concerns
The reason my client reached out to me is because she had just received a significant promotion at her company and along with her increase in income she realized she also needed to increase her life insurance coverage to adequately protect her family if she passed away earlier than expected.
The potentially bad situation my client my client face was that she had a history of depression. While nothing too major, she was still concerned that because she took medications to keep her depression at bay and because she presently suffered from depression, it could cause negative issues in getting qualified for life insurance.
The good news is that working with Buy Life Insurance for Burial gave this client the opportunity to get the best priced coverage. Because we are brokers we are able to shop the most competitively priced companies out there and in turn hand those savings over to our clients.
Though you need to fill out an application to see if you qualify, most clients we work with will receive first day full coverage at a great rate. This client was able to get as much peace of mind as possible knowing that her loved ones would be protected and covered if she died unexpectedly.
New Home
A couple of years ago a couple reached out to me because they had just purchased a new home . They were facing a 30 year mortgage and were concerned about how this obligation would be covered if either of them were to pass away before the mortgage was paid off.
The only problem was that the husband had diabetes. It wasn't serious, but he was taking insulin to regulate his blood sugar and feared this would have an impact on their coverage eligibility.
Because this couple came to Buy Life Insurance for Burial for their mortgage life insurance needs we were able to get them affordable coverage, despite the husbands health issues, and put their mind at ease for the duration of their mortgage.
Who buys a mortgage protection life insurance plan?
Generally speaking, people who buy mortgage protection life insurance programs do so because they're ultimately concerned and love their family. They don't want to be a burden when they die. They don't want their family to take care of final expenses or be saddled with a large debt or a typical six figure mortgage.
Imagine if your spouse lost you suddenly. The death of a loved one is emotionally difficult, but imagine adding to that the burden of a mortgage payment and debt such as your credit cards and your car payments.
This is why we at Buy Life Insurance for Burial believe a mortgage protection plan is important. Because the true nature of a mortgage is long lasting payments that can span the greater part of a lifetime. Since homes are meaningful to people, there's a real drive to keep that home in the family as opposed to losing it because of some unexpected circumstances.
If you're in a position where you've either recently bought a home or recently refinanced your mortgage, you probably understand that this obligation could become a tremendous burden to your surviving family. Purchasing a mortgage protection life insurance plan can pay for these obligations and truly free your family from financial burden.
Stories from the field
One day early in my life insurance career I was driving to see a client in a little town outside of Chattanooga called North Ridge. A stretch of road went on for about half a mile as I slowly drove past a bunch of homes looking for a particular house.
About 10 houses down I saw a house that I figured was probably the house I was looking for. It tends to be that I encounter the strangest of circumstances just as I am running for an appointment.
This day was no different. As I drove closer I saw a pink mailbox, not something you see everyday. As I got closer I noticed there was also a 1980's pink Cadillac in the drive.
As I parked next to the house I saw a painted picture of a 4 x 6 foot person in what could only be described as a jester looking hat with facial paint. Sure enough, this was the house I was looking for. Out came a lady from the house to unlock the fence to let me in. She was a nice older lady. Her name I found out later was Anita and her middle name was Lollipop.
Miss Anita invited me into her house in which she had a card table, two chairs, and a fan blowing. It was a hot Tennessee summer afternoon, humid and well above 90.
As we began to talk she told me about how she was one of the people that was the last to leave New Orleans during hurricane Katrina. She actually swam her way through the French Quarter on the back of a casket.
If you know anything about the cemeteries in New Orleans you know that caskets are often kept above ground, so when the water rushes in, it causes caskets to float away.
Miss Anita swam her way, casket and all, to an ipass on I-10 where she waited for FEMA to pick her up a few days later and take her to the airport. None other than Al Gore himself flew his private plane down to pick her up and fly her out to Tennessee out of harm's way and there she remained. All of this is a true story.
The reason I share this story is not just because it seems almost too strange to be true, but because this lady had been seriously taken advantage of by a life insurance company. She was paying on a funeral arrangement plan that was costing her in excess of $250 a month for a $8,000 funeral. There were very few reasons why she needed to pay this much. Her health was generally good. She'd had some heart ailments many years prior, but was otherwise in good shape. She had no serious, chronic issues. She was of sound mind. She should have qualified for something better.
While doing some price checks I found that we could get her equivalent coverage for $1,800 less a year in combined monthly payments. She was enthralled and felt that the value was significant.
Many people who are seniors are taken advantage of by salespeople who try to make out their particular product to be better than anything that has ever been seen before and that the value of whatever is being sold is so substantial that there's no comparison, thus justifying the inordinately high price.
The truth of the matter is that in the life insurance business there are premiums that are justified and unjustified. As I like to demonstrate in my articles, we operate what's called a brokerage program which gives the client an advantage. We are able to shop around and find you the best pricing and coverage for what you are shopping for so that you are not relegated to paying an inordinately high price that cuts into your finances for living expenses and other related costs.
We were able to get this client a plan that not only significantly dropped her premium by $1,800 annually, but also we were able to get her first day full coverage, which in some cases has proved difficult for people with a history of heart issues like she had. While I can't guarantee everyone first day full coverage I can say with certainty that dealing with a broker like us at Buy Life Insurance for Burial puts you in a position to potentially get better coverage than what you find through TV insurance or mail order insurance programs.
If you're interested in finding out if you qualify call us at 888 626-0439 today for a free, no obligation quote.
We are here to provide you with expert advice and to answer any questions you might have. You can also get in touch by sending us a message using the message box found on this page. We will respond within one business day.
When should you buy mortgage protection life insurance?
The way I explain it to my clients is that the best time to buy mortgage protection life insurance coverage is right at the point or soon after the point in which they realize that life insurance is an important purchase to make.
One of the interesting characteristics about life insurance is that you don't actually benefit from it while you are alive. It's something you pay for but never get to enjoy yourself. Though it may give you peace of mind, it's still an unusual purchase when you think about how when you buy most things, you get to enjoy them immediately.
The reason I mentioned this is that once you recognized that there's an immediate need for coverage and you've identified that your mortgage would be a tremendous burden on your family, you are more likely to be confident in your purchase of a life insurance plan. You realize that it's important to take care of final expenses and you love your family enough to take the actions necessary to be responsible for their welfare if you happen to pass away earlier than expected.
If this sense of urgency and need is not felt, people tend to procrastinate and put off getting coverage. I've been in the business since 2011 and I've seen all sorts of people who would tell me how important it was to purchase life insurance, but sadly they put the decision off for many years and then found themselves in a position where their health had declined and they couldn't qualify for coverage.
Top 7 Reasons People Buy Term Insurance
1.Term insurance is affordable
Many people purchase term insurance because they are on a restrictive budget but also understand the merit of having life insurance in the first place. When compared to other types of life insurance products such as whole life insurance or universal life insurance, term life insurance is immediately recognized as the cheapest choice among the options available. Term insurance allows people to get affordable, quality life insurance in place to protect the people they love without breaking the bank.
2.Income replacement
The primary reason why people buy life insurance to begin with is because they want to make sure if they happen to die earlier than expected that their income is replaced. They want to have enough money in savings upon their passing to take care of their family and children. This is one of the biggest proponents of many financial gurus today as to why you should purchase a term life insurance plan.
Added, most financial gurus recommend ten times your annual earnings as a starting point for replacing your income in an effective manner.
3.Retirement funding
One of the great things you can do with a term life insurance plan is to curtail a portion of it towards the continued funding your family's retirement plan. Think about it – if you die earlier than expected you cannot make contributions to your 401K plan or pension plan.
While your family may be ok in the short term financially they may suffer long term for not having the funds to pay for their retirement in an adequate way. Make sure a portion of your life insurance plan is designated toward funding your ongoing investment in your retirement plan to ensure that your family has a future not just in the immediate but in the long term as well.
4.Out of love
Love is the biggest reason why people purchase any kind of life insurance, term insurance or not. We do it because we love our family or spouses and don't want to leave them burdened financially.
5.Custom length
Term insurance is one of the greatest programs available because it allows you to custom tailor your program to the length of time that you need it for. For example I own a 30 year term life insurance plan because I decided it would be great to have insurance to cover until my projected retirement age of my early 60s.
However you may be older – in your 40s or 50s – and may just need it for 10 years or 15 years in length. We have programs that will cover shorter lengths and we can custom tailor it to the amount of time you need life insurance for.
6.Pure insurance need
One of the greatest things about term life insurance is that it only serves one purpose – to pay a death benefit upon your passing within the term time. There are no added extras to the plan which would drive up the costs such as cash value accumulation or any sort of extras like that. The advantages of this is that is simply serves a singular purpose of paying money when you pass away and nothing else, which allows the price to be much less expensive than permanent options.
7.Exams are optional
Life insurance has become very competitive these days and companies have come up with different ways to entice you to buy from them. One of the ways is to provide life insurance coverage without requiring an exam. It wasn't too long ago that every term life insurance policy required an exam, but nowadays it is simply optional. This is great because if you have a fear of needles or don't want to go through the hassle of a multi-month process to get approved, a non-medical process eliminates much of the frustration as well as the time required on getting your policy approved without sacrificing to a great extent on price.
Term Life Insurance Rates, Age 25 to 75*
Term Life Insurance Coverage – 10 Year Term – $100,000 in Coverage
Term Life Insurance Coverage – 10 year Term – $250,000 in Coverage
Term Life Insurance Coverage – 10 year Term – $500,000 in Coverage
Term Life Insurance Coverage – 10 year Term – $1,000,000 in Coverage
Why should I buy a mortgage protection life insurance?
My main rationale in persuading and helping a client to believe that a mortgage protection life insurance program is important is based solely around facts. A lot of sales people get a bad rap for pushing people into buying something that otherwise they don't want or need using high pressure emotional sales techniques.
I believe in the opposite approach. I can more effectively sell life insurance to you if you understand the benefits and your need to own coverage. Once you understand that it is better to pay a premium than face the tremendous loss of leaving loved ones in a financially fragile position, I don't need to push you into a decision. You make a decision to act on your own.
I always ask my clients a simple question. If you owe money, what would happen if you die? How would your family continue to make payments? It's a simple thing to consider, but important in laying out your personal goals for coverage.
Ultimately it comes down to the welfare of your family and giving them the best chance at a quality life once you are gone.
Stories from the field
Over the many years I have worked in the life insurance business I have seen many hard to place examples of clients with serious health issues.
In this section I want to detail some examples of how we have been able to help clients that have had significant health issues over the course of their lives and been declined for life insurance were able to get coverage through us with our meticulous understanding of what carriers are appropriate under certain health conditions. Let's go ahead and get started.
Many people who have chronic obstructive pulmonary disease, or COPD feel like their ability to get life insurance is next to nothing. COPD and its related issues such as chronic bronchitis, asthma, emphysema, and black lung are chronic diseases that cause ongoing health problems. Many times when people apply for life insurance with these issues they'll find that they end up getting declined or rated up so high that coverage becomes completely unaffordable.
I've helped numerous people get preferred life insurance coverage for burial and normal life insurance coverage with COPD, and that's whether or not they smoke too. In fact I had one gentleman in Alabama who had COPD and didn't smoke and we were able to get him prefered plus pricing on his life insurance. He was thrilled because the other options he was shown would have literally cost him thousands of dollars more a year in premiums.
Diabetes is one of those problems that can be difficult in some circumstances to get burial or life insurance approval. For example, we had one client who took an excess of 100 units of insulin a day and had type 1 diabetes on top of that too. Luckily we had a life insurance carrier that is more flexible with diabetic conditions, especially those with type 1 diabetes who take insulin to treat their diabetes. We were able to get prefered coverage on this particular person.
Sometimes people suffer from diabetic neuropathy as well, which can prove to be a difficult condition to get coverage for. We were able to get coverage for another client who took insulin and suffered from neuropathy. They were pretty pleased to find that they got coverage and a good deal too.
Some people think cancer is a uninsurable condition, especially when people with cancer may struggle to get coverage on the books. Luckily, this isn't the case. Given enough time has passed there are plenty of carriers that will offer first day full coverage as long as the cancer has been in remission for a number of years or has been shown to have been completely eliminated for a number of years. In the short term, if it has not been too long since the cancer diagnosis or remission they may only be eligible for guaranteed issue life insurance coverage, but the chances of getting better coverage improve with time.
4.Liver or kidney problems
Many people have problems finding quality life insurance when they have a history of liver or kidney problems such as cirrhosis of the liver, hepatitis C, or chronic kidney issues. Luckily we work with carriers that in some circumstances will approve people for prefered coverage who have a history of hepatitis C, even if it has just recently been cured.
There are also some circumstances where people with chronic kidney problems can get prefered coverage given that some other circumstances related to their health are ok.
5.Heart problems
Many people count out their options for life insurance because they have had heart attacks, strokes, stints, seizures, aneurysms, or pacemakers. Luckily all of these issues with enough time can be circumvented and it becomes simpler to find quality, first day full coverage. I have had clients that have had all of these conditions at one time or another.
When enough time passed we were able to get that person enough coverage on the books that they were covered the first day. This was a great relief to them. They felt completely positive and happy about their coverage options and it gave them the peace of mind they were looking for.
6.Neurological health issues
I've had many clients who have had systemic lupus SLE, Parkinson's disease, or multiple sclerosis. We were able to get them first day full coverage because we have access to a variety of carriers and some are more specialized at helping with certain health issues than others. Again this isn't something you will commonly find with many life insurance companies because these types of issues are usually declined.
7.Behavioural health problems
Behavioural health problems include things such as depression, bipolar disease, schizophrenia, PTSD, and anxiety. Many of our carriers are able to get our clients first day full coverage with any behavioural health issue including depression, schizophrenia, and bipolar disease. Many people we deal with have suffered from issues related to these and have therefore been declined.
Don't worry if you have suffered from any of these conditions as you'll find it becomes much simpler than you would think to get coverage on the books even with these conditions.
How can I get mortgage protection life insurance?
This is the easiest question to answer out of all of these questions because the process of buying a mortgage protection life insurance plan is fairly simple. Let me give you a couple of different ways you can approach the application process and then give you my own preferred route.
You can go to your car insurance company to purchase insurance
The problem with most car insurance agencies is that they only represent one company. While they may be competitive on car insurance pricing, typically life insurance takes a backseat in importance. Therefore underwriting and pricing standards tend to be tighter and more difficult to deal with at car insurance agencies versus working with a broker.
You can buy off TV ads
There are a lot of different life insurance company ads on TV like Globe Life that advertise offers like $1 for $20,000 of coverage. All of these sound unique and useful, but many of them have price increases every five years and sometimes they even offer no coverage if you die from natural causes.
You can work with a broker
I'm obviously biased with this one, but I think we do a great job here at Buy Life Insurance for Burial helping clients find coverage that accomplishes their goals and gives their family peace of mind. We'd love to help you find an insurance plan that is right for you.
Go to buylifeinsuranceforburial.com and request a free quote to the left of the screen or call us at 888-626-0439 now and we'll be happy to give you a quote in 10 minutes or less.
I hope you found this article helpful in your quest for life insurance. It's important to remember that life is fleeting and we never know when we might die. Taking action today will ensure your loved ones are cared for when you pass away.
Get in touch by calling 888 626-0439 to find out what your life insurance options might be. We offer a stress free, no-obligation quote that takes less than 10 minutes. Meet your goals by talking to an expert today.
If you to use our messaging option, simply leave your contact details and what you are interested in the box provided and we will be in touch soon.
Thanks for your interest and thanks for reading this article.

subset: commoncrawl


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In an appeal of great importance involving a charitable entity's ability to escape liability on the basis of charitable immunity, the Supreme Court of Virginia has currently before it the case of Barnett v. The Byrd Theatre Foundation.
In that case, a volunteer organ restorer fell from a walk board that was negligently attached and suffered serious injuries. The Theatre raised the defense of charitable immunity, which protects charities from liability, arguing Barnett, the volunteer, was a beneficiary of the charity at the time of his fall. The trial court denied the plea and Barnett was awarded a jury verdict. The Foundation appealed. Our legal team was fortunate enough to co-author the attached brief amicus curiae on behalf of the Virginia Trial Lawyers Association in support of the volunteer plaintiff. Oral arguments were heard before the Supreme Court on January 7, 2014.


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The Sons of Confederate Veterans (SCV) is the direct heir of the United Confederate Veterans, and the oldest hereditary organization for male descendants of Confederate soldiers. Organized at Richmond, Virginia in 1896, the SCV continues to serve as a historical, patriotic, and non-political organization dedicated to ensuring that a true history of the 1861-1865 period is preserved.
The SCV has ongoing programs at the local, state, and national levels which offer members a wide range of activities. Preservation work, marking Confederate soldier's graves, historical re-enactments, scholarly publications, and regular meetings to discuss the military and political history of the War for Southern Independence are only a few of the activities sponsored by local units, called camps.
The SCV works in conjunction with other historical groups to preserve Confederate history. However, it is not affiliated with any other group other than the Military Order of the Stars and Bars, composed of male descendants of the Southern Officers Corps. The SCV rejects any group whose actions tarnish or distort the image of the Confederate soldier or his reasons for fighting.
Lt. Col. Thomas Coke Glover. Camp 943
Dr. Glover arrived in Campbell County by 1850 and was one of the original town commissioners of Campbellton in 1854. When the War Between the States arose, Dr. Glover was one of the county's two delegates to the state secession convention.
Rather than entering service as a physician, Dr. Glover decided to form his own company. On June 6, 1861, he became captain of Co. A, 21st Ga. Infantry, the "Campbell County Guards," and drilled his troops around the courthouse and on the streets of Campbellton closeby the Chattahoochee River. He is said to have taken part in 107 engagements, including most of the major battles in the East, including Chancellorsville and Gettysburg.
Promoted to major on July 27, 1862, Glover was severely wounded at Antietam and was made lieutenant colonel April 18, 1864. (Col. John T. Mercer of the 21st was killed at Plymouth, N.C., that date.) On Sept. 19, 1864, Lt. Col. Glover was shot and killed instantly during a maneuver at Winchester, Va. He is buried there.
Below is the grave site of Lt. Col. Thomas Coke Glover


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Felt pin for AG doll – Accessory for Leena cardigan
This small felt pin is quick to make, it does not require any special skills or tools and can be made in different colors, size, and even shape.
If you have a scrapbooking die-cutter like Big Shot or similar you can use their templates for cutting out circular shapes, or just use a pencil and scissors.
Supplies needed:
- craft felt in 2 colors, ¼ of a sheet for each color
- 1 small (1") safety pin
- 2 sewing pins
- a drop of Fray Check or similar product
- small sharp scissors
- sewing needle and thread to match colors of the felt
Instructions1. Using a die-cutter or small scissors cut out:
2. Starting with bigger circles, fold each in half and secure with a sewing pin. Position pin closer to one end of the half circle, make sure it goes through both layers of the felt piece, approx. 1/16 (2mm) below the fold line.
3. Repeat for all felt pieces of this size, stacking them on the same pin, one by one. Try to pin the pieces evenly, without some of them sticking out too high or sitting too low on the pin.
4. Using second pin secure the felt stack at the other end.
5. Thread the needle with approx. 12" (30cm) of thread and go through all felt pieces keeping the needle as close to one of the pins as possible. Do not allow the needle to go on an angle, keep it parallel to the bottom of the stack. Repeat for the other edge of the stack. Lastly repeat for the center of the stack.
6. Remove both pins.
7. Starting with the central thread pull its ends tightly and secure with a double knot. Repeat for both other threads. The felt circles will form a tight ball. Open the ball to expose the knots.
8. Tie all threads into one knot, clip off the excess length. Secure the knot with a drop of Fray Check. Let it dry. Keep the ball "open" and the knot layer flat.
9. Repeat for the smaller felt pieces. Only two threads will be enough to form smaller felt pieces into a ball.
10. Attach both balls to the safety pin .
11. You may want to try cutting other felt shapes and making them into a brooch. If making a flower shape brooch attach seeds beads as flower centers before sewing flower balls onto the safety pin.
Slightly clip the petals to prevent flowers from being too flat. After finishing the brooch pinch the petals to make them more "flowerlike".
Flower shape samples.
Finished brooch on the cardigan made to fit 18" American Girl doll.


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A New Website is Born
If you had been to this site before the redesign, you must have noticed that it looks a little different. There are many changes, both cosmetic and behind the scenes, and there are many more to come.
In case you do not know what the site looked like before, I will summarize some of the changes. First, and most significantly, I eliminated the frames on the site and implemented a new graphical menu. I used frames before because I did not know that I could use server-side includes (SSI) to make menus easier. The menu was a text-based Java application. The new menu is a little more obvious, much more colorful, and downgrades better if a person has his or her JavaScript turned off.
The width of the entire content table has been widened to 1000 pixels from 800. I figured most people have monitors that can handle that, and if not, the most important stuff is on the right side anyway. The background is totally different � there is only an image outside of all the content. Coloring inside the content is just simple background colors. This helps the page look cleaner and makes it much easier to align. The central table where the recent news is now has rounded corners, giving it a smoother look. A menu was added to the bottom of the page to help navigation without a visitor having to return to the top of the page.
The other changes are more technical in nature and affect the administration of the website versus the presentation. The first thing to note is that the new posts are no longer statically coded into the HTML page. That information resides in a database and is dynamically printed on the page at the server. The same thing goes for the verse at the bottom of each page. That used to be one hard coded verse on each page, but now it is one randomly selected verse from a database. Refresh any page and chances are you will see a new verse as there are 38 of them right now. The blogs are also the same way. Even though this difference is not readily apparent to the user, it will help out with the upkeep of the website immensely.
Those are a lot of changes, but there are many more coming down the pipe. The most important, and most time consuming, will be the upgrade of the photo album to use a database. The advantage of this will be in the time it takes to add new pictures to the site. With a database, it will probably reduce the time and effort by 50%. Also, it will allow a visitor to search for pictures using keywords. It will also allow me to add different pages of pictures by merely creating a new SQL query. There are over 550 pictures waiting to be uploaded to the site, as well as at least a couple thousand sitting in photo albums waiting to be scanned. And that is just scratching the surface of what I want to do.
I put a lot of hours into this redesign, and I hope everyone likes it. I certainly think it is much better. I have slacked on this site over the past 18 months, but that stops now. I can't wait to see how much I will have accomplished in another 6 months. If you have any ideas or feedback, please let me know!


text:
Since Webfaction increased the available memory from 40 MB to 250 MB I started
using Solr for more and more of my projects. However, I never really knew how
to ensure that Solr restarts itself if it crashes and how to easily stop and
start it in case I have to re-build the
schema.xml file.
Then I found out about Circus 0.5 and got curious.
Here is what I did to install zeromq, solr and circus on a Webfaction server:
Since we cannot install anything as root, I chose to install zeromq into
the folder
1 2 3 4 5 6 7 8 9
mkdir -p $HOME/src
mkdir -p $HOME/opt
mkdir -p $HOME/etc
cd $HOME/src
wget http://download.zeromq.org/zeromq-2.2.0.tar.gz
tar -xvf zeromq-2.2.0.tar.gz
cd zeromq-2.2.0
./configure --prefix=$HOME/opt/zeromq-2.2.0
make && make install
Now we can install Circus. I assume that you are using virtualenv and virtualenvwrapper:
1 2
workon yourvenv
pip install circus
This will fail because of the custom installation folder of zeromq. Thankfully the failed zeromq build will remain in your virtualenv's build folder so that you can install it again manually, this time giving it the path to your zeromq installation:
1 2 3 4 5
cd /your/Venv/
cd build
cd pyzmq
python setup.py install --zmq=/home/username/opt/zeromq-2.2.0
pip install circus
Now let's install Solr, following this post. All you really need to do is download and unpack it:
1 2 3
cd $HOME/opt
curl -O http://apache.mirrors.tds.net/lucene/solr/3.5.0/apache-solr-3.5.0.tgz
tar xvzf apache-solr-3.5.0.tgz
Create a
circus.ini file somewhere on your file system. The following file
works great for me, just replace the path to your Solr installation
(usually just change your username):
1 2 3 4 5 6 7 8 9 10 11
check_delay = 5
endpoint = tcp://127.0.0.1:5555
cmd = java
args = -Djava.util.logging.config.file=logging.properties -jar start.jar
working_dir = /home/<USERNAME>/opt/apache-solr-3.5.0/example
warmup_delay = 0
numprocesses = 1
singleton = True
Start circus:
circusd circus.ini &
That's it. On my Webfaction server circus eats 15MB RAM. You can now start and
stop Solr using
1 2 3
circusctl status solr
circusctl stop solr
circusctl start solr
Or try to kill Solr. Circus will immediately restart it:
1 2 3
ps aux | grep java
kill <solr PID>
ps aux | grep java
You need to be careful when starting and stopping Solr. Even though Circus will
[OK] the process will remain visible for a few seconds after you
stopped it. Similarly it will not accept requests for a few seconds after it
has been started. So if you use start and stop in a shell script or Fabric
task better insert some
sleep seconds before doing anything else with Solr.


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This weekend, hundreds of thousands of football fans will be following the Super Bowl not only on TV and Superbowl.com, but through the Data Broadcasting Corporation's sports data network, which sends out the changing odds over networks that span the globe.
More than US$60 million is expected to be bet in Las Vegas alone this Super Sunday, the biggest betting day of the year in the gambling town. That doesn't include more than $1 billion that will be made in illegal sports bets in the other 49 states. With so much money at stake, nothing is more crucial to big bettors than keeping close tabs on the odds, a need that is turning sports betting into a high-tech industry similar to finance.
"The more information people have, the more confident they are about betting," says Art Manteris, director of the SuperBook at the Las Vegas Hilton. "It's just like stocks: The more you know, the more you're willing to invest."
Sports betting is entirely dependent on odds - and the odds (or "the line") in 80 percent of the casinos in Nevada are dependent on Roxy Roxborough. Roxborough calculates the line on everything from football to hockey to presidential elections, and has been sending his information to bookmakers around the world since 1980. Until 1995, that information was primarily distributed via fax and phone to bookmakers.
In August 1995, Roxborough teamed up with DBC, a company known primarily for its investment data network, to launch a sports data network that would send real-time sports odds between the casinos in Las Vegas and Roxborough's odds-makers. The network radically changed the sports betting industry by allowing bookmakers at casinos to not only watch the other's odds in real-time, but to send information back directly to Roxborough, who then adjusts the consensus line.
"Most bookies used to change their odds based on their own take on the game, but as this [technology] becomes widespread, you're standardizing the product," explains Richard McGowan, an economics professor at Boston College and author of State Lotteries and Legalized Gambling.
"The bookmakers can now watch as the odds change at the different houses," explains Larry Kramer, VP of news and sports at DBC. "It prevents them from taking risks," as well as preventing high-rollers from taking advantage of the casino's varying odds to "hedge" the bets and use the disparity between bookmakers's odds to bet heavily and move the line in their favor.
High-rollers hook into the action
High-rollers themselves are also gaining access to the same information as the casinos. DBC now provides the same real-time odds information available on the Nevada bookmakers network to 15,000 subscribers - primarily professional gamblers who bet more than a million dollars a year - for $369 a month. Those gamblers (also known as "handicappers"), who often bet as much as $100,000 on a game, rely heavily on the real-time information to play the games like stockbrokers play the financial market.
"Most people bet based on their gut instinct; but there's another category of people who really study data, and they're going to bet differently depending on whatever information those people have access to," explains Kenneth Dotson of SportsLine, a popular sports Web site that provides DBC's odds data.
"People have to move faster if they're going to catch an opening." Kramer asserts. "It's increasing the betting."
Although no studies have been published demonstrating whether this sports data technology has increased betting overall, statistics show that the amount of money spent on sports gambling has been accelerating rapidly. Between 1994 and 1995, the last years for which statistics are available, sports wagering increased from $2.1 billion to $2.6 billion, and Marvin Steinberg of the Connecticut Counsel on Compulsive Gambling says the rate has continued to increase dramatically.
Information for the average bettor
Not all gamblers can justify the expensive investment in real-time sports data, however, and for the rest of the world, the Internet is now coming into play. Last fall, DBC began making the same information available with a 15-minute delay on its Web site, launching alongside sites like SportsLine and Scores And Odds, which also transmit its lines. The site gets more than 20,000 pageviews a day - up to 72,000 on big games days.
These sites, along with newsgroups like alt.gambling.sports, are creating a new generation of wired-up recreational gamblers. "Jon from Jersey," a 20-year sports betting veteran, follows newsgroups and multiple sports data sites, and affirms that online sports data has allowed him to "bet smarter." Says Jon, "I have been gambling much more successfully as the Internet age has come about. Ask around a bit and you will find that the 'players' are doing better than ever."
Gamblers reaping the most benefits from the new online sports information are not necessarily the legal bettors in Nevada, but those in the rest of the United States who are using local illegal bookies to make their bets, and until recently had to count on the day-old information found in newspapers.
"Competition can be key between bettors and bookies as to who can get the information the fastest," explains David Hobsen, president of the horse racing data software company Track Data System. "The quicker you can speed up [your ability to get odds], the bigger your advantage."
"Illegal bookmaking had an advantage over bettors because they knew what the odds were," Kramer says, "but as bettors have access to the same information on Web sites, they can't be taken advantage of.
"It's making a more honest business out of this."


text:
Q. What is the difference between Joint Tenancy & Tenants in Common?
A. When you purchase a house, somebody has to go on Title. Joint Tenancy means that 2 or more people all own equal amounts of the property, with equal rights to use it. When one Joint Tenant dies, the property automatically transfers into the surviving Joint Tenant, thus not becoming a part of the estate of the person who died and is also not subject to any probate fees. Typically, most spouses prefer Joint Tenancy.
Tenants in Common is when 2 or more people own the property but not in equal amounts – for example 1/3 and 2/3, and they can sell or mortgage their share as they wish. If one Tenant in Common dies, their share becomes a part of their estate and is subject to probate fees. Tenants in Common is preferred for multiple family living and vacation properties owned two or more families.
I would love to chat with you and answer your questions! Call me if you're thinking of buying or selling and let's talk!


text:
Your shopping cart is empty!
The Golden Goose Ball Star Sneakers are no. 1 shoes for hot online sales
The new GoGo Ball Star Mens and GGDB Ball Star Sneakers in our store are available in a wide variety of colors and sizes. Cheap, fast delivery. Each shoe has discounts. Details can be accessed at www.ggdbshoesstore.com.New arrivals are Italian brands. Designed by self-taught designers Alessandro Gallo and Francesca Rinaldo. Golden Goose was founded in 2000. The brand is based on the two designers' love for fashion and art, but also because they both possess the spirit of Italian tradition and appreciate British talent. Designers dare to break the boundaries and make new attempts. Golden Goose excels at remaking vintage materials into originals, combining traditional meticulous cutting and dedication to detail to create stylish, comfortable and elegant footwear for men and women.
GGDB has always been unique in many brands in order to combine Italian traditional sewing and arts and crafts. Its name was inspired by the famous story of Aesop's Fables, "Goose With Golden Eggs". Golden goose can bring good luck to the brand. The word Deluxe also goes beyond the general awareness of luxury, but emphasizes that through The inspiration experience and creativity that designers draw from traveling around the world, every consumer can understand the exquisite and traditional energy of Venice through the GGDB products.
GGDB includes fashionable clothing and casual shoes. Each season, the designer will present to consumers the famous works by Venice's famous craftsmen and perfectly tailored new works, including complete bags, belts and accessories. Its popular footwear products started from the brand's classic cowboy boots, and then began to produce a variety of styles, including high heels, sandals, boots and so on.


text:
Do the preparation task first. Then listen to the audio and do the exercises.
Language level
javi8 replied on Spain
Hi everybody from Spain,
I manage a staff of 20 people and I think the most importat think is to know how to keep your staff motivate at anytime, in addition to treat each one of them in a different way according with their personality and way of work.
Have a nice weekend
quynhanhNT replied on Vietnam
Dear sir,
I don't understand these sentences "And then there's the sheer variety. You plan your work, you have to get yourself well organised, but ultimately no two days are ever the same" mean?
Can you please explain these sentences. Thank you very much! Have a nice night!
Peter M replied on Poland
Hello quynhanhNT,
'And then there's the...' is an expression used when we want to add some extra information or an extra argument to what we are saying.
I'm not sure what part of the rest of the sentence is not clear for you - it is all quite literal in meaning.
Best wishes,
The LearnEnglish Team
quynhanhNT replied on Vietnam
Thank you, sir!
How about this sentence " Well, I did the standard round of applications from university and this is my second employer" It means like: I learnt the subject "managing staff" at university, I know a basic of managing staff subject, and already worked in this field before?
Have a nice night, sir!
Desilda Xhaxhaj replied on Albania
It's really difficult to manage people but if you pay attention to the way you choose to communicate them your decisions it can turn the job easier than it is
poll replied on Singapore
It is not difficult to work as a manager while still being respected by the staff. It is difficult to coach and guide the staff while your management was always meddled by an unfriendly boss for her personal interests.
You can attend different sort of courses or trainings on leadership skill, these will help you to learn the necessary theories and knowledge on leadership, but you may realize that some of them may just not practical in real life situation, you have to learn from the experience, suffering from the pain, correct it, re-trying and ultimately you will grasp the idea of being a good leader in different environment.
ivytranoo nguyen replied on Vietnam
i'm not very good at dealing with people, when talking about a difficult or awkward situation.i'm very clumsy and stammer badly, how can i turn out to be a manager of a group of people? but sometimes i try to do it but it doesn't always work. i do not own communicative skill . it seems negative but it's the truth.one day i hope i can change and think more positively .wish you good luck
aida1612 replied on Malaysia
What is the meaning of sheer variety in the last part of interview?
Jeremy Bee replied on Taiwan
Hello Aida!
Remember, we have the Cambridge Online Dictionary available on all our web pages. If you have a look for sheer, you'll see the first adjective definition is this:
used to emphasize how very great, important or powerful a quality or feeling is;
So sheer variety in the interview means there is a very great or very big variety of different kinds of work to do.
Hope that helps!
Jeremy Bee
The LearnEnglish Team.


text:
Op Art Lesson
Today we began our Op Art project. We started by learning about artists M.C. Escher and Bridget Riley, looked out how lines and shading can create "illusions," and did some word work with the word, optical. Students then learned how they could create their own "Op Art" with time to support and teach each other through the process.
Parents, if you would like to download the PowerPoint and have your child describe some of the illusions in the slides, you can do so by clicking here.


text:
Hepatitis C is a disease that is infectious. It occurs when unsanitary injection practices are taking place. Its main target is the liver.
Two important ingredients in the Hepatitis C drug are expected to damage the liver and even lead to death. As stated by the US Food and Drug Administration.
People with pre- liver cirrhosis were affected adversely by it. The two drugs by the name Viekira Pak or Technician are provoking liver transplant or even taking lives of several people.
The manufacturing company Chicago-based AbbVie. After seeing the effects has been asked to update their safety measure and include proper information stating details that justifies why it should not be consumed by people suffering from liver cirrhosis.
According to the FDA report 26 cases worldwide have been reported of liver failure reason being the two mentioned drugs.
The company states that the link between the liver problems and drugs have yet not been clear. They further speak, "Because post-marketing events are reported voluntarily during clinical practice, estimates of frequency cannot be made and a causal relationship between treatment and these events has not been established," it said.
The FDA has not stopped the consumption of the drug yet. Since it could make Hepatitis resistant to treatments. They have advised citizens to consult their doctors before consuming the drug especially those who are already suffering from liver related problems.
Image Source:3dprintingsystems


text:
Bronzer is powder that illuminates targeted areas on the face to reflect light. Applying it on the top of your cheek will grant a 'bronzed' sun kissed effect. Using it, you can enhance your natural features and provide a summer glow all year round. Available in 2 different shades for the variety of men who adore a natural glow and finish to their complexion. This incredible lightweight and fine powder have been carefully selected to give you maximum coverage without flaking or cracking against the skin. To ensure a match against your own skin, MMUK MAN have two types of bronzers 300 (light) & 500 (dark). These formulas have a revolutionary matte finish that gives you just the right highlighting, where your face may require them the most. Bronzers are a fantastic option to use to give you a subtle summer glow all year round. Do not let those cooler months dampen your complexion. The formula works brilliantly throughout the year, even during fluctuating temperatures. The powder used is ultra-fine and upon application, it sets deeper with the skin. You'll enjoy a professional finish that will set your entire makeup. Both masculine and subtle, MMUK MAN's Bronzer has long-lasting properties, to ensure the day ahead has no hurdles for your coverage. You'll find that the formula lasts beautifully all day, without cracking or looking and feeling too cakey. Should you need a light touch up, it is easy to build upon and you'll find that a little goes a long way. Its compact and slim design allow for travelling ease. It has a built-in mirror to see oneself and provide more controlled application. You'll find MMUK MAN's Bronzer, trusty and essential.
How To Use
Using small amounts to begin with and building upon as desired, to achieve a healthier and even complexion. Stretch and even out this bronzer with a decent quality brush to ensure balance and light perfection.
Shade 300 – For a matte toned finish, which provides a masculine touch to your makeup coverage. This most favourite shade will guard against shimmer, whilst achieving that full-cover desired bronzing to the skin. This versatile shade works beautifully for any skin tone. A brilliant option for those men who prefer cover that is subtle and super effective.
Shade 500 – Sun kissed and effortless. This shade provides a natural tone and a healthy complexion. Suitable all year round for a look that is minimal and looks instantly good.
|Please Select:
300, 500
13 g


text:
Editorial Board
James T. Willerson, MD
Associate Editors
José G. Díez, MD
Brian L. Walton, MD
Former Editors
Robert J. Hall, MD
James J. Ferguson III, MD
Editorial Board
H. Vernon Anderson, MD
Christie M. Ballantyne, MD
Yochai Birnbaum, MD
L. Maximilian Buja, MD
Blase A. Carabello, MD
John R. Cooper, Jr., MD
Joseph S. Coselli, MD
Stephanie A. Coulter, MD
Reynolds M. Delgado III, MD
O.H. Frazier, MD
William P. Goins, MD, MPH
John L. Jefferies, MD, MPH
Tomas Klima, MD
Peter R. Kowey, MD
Zvonimir Krajcer, MD
Joseph Lamelas, MD
James J. Livesay, MD
Gabriel Loor, MD
Douglas L. Mann, MD
Ali J. Marian, MD
David D. McPherson, MD
Gerald V. Naccarelli, MD
Emerson C. Perin, MD
Melvin R. Platt, MD
William C. Roberts, MD, MACC
Todd K. Rosengart, MD
Doris A. Taylor, PhD
James M. Wilson, MD
Edward T.H. Yeh, MD
Section Editors
Paolo Angelini, MD
Raymond F. Stainback, MD
Texas Heart Institute Journal Extends Its Gratitude
Our medical and scientific experts bring a wealth of knowledge and experience that make the THI Journal possible. Members of this group deserve our continuing gratitude and recognition.


text:
For my birthday, my fiancé got me a Peloton. Talk about best gift EVER! We did have several conversations about this world-class exercise equipment. He didn't just buy it for me. I believe that purchasing exercise equipment for your partner can go one of two ways:
Awe thanks babe, this is perfect for me.
You think I am fat?
Make sure you have some subtle, or non-subtle if you are me, hints to let the one you love know that purchasing exercise equipment and gear is A OK for you.
The Peloton community is serious. I had no idea. I completed my first ride yesterday, 12/26. I was extremely proud of myself. After my 30 min 90's hip hop ride with instructor Alex Toussaint, I did what most social media goers do, stalk on Instagram.
On the Peloton insta page I saw this…
I thought about how many times I downplayed my successes and achievements. It is hard to be your own cheerleader. Feels weird.
If you are following along with me in these last 15 days of 2018, you should remember my post on brand and reputation. I facilitate a Personal Brand Building workshop at work, and we begin the talk by saying, this is going to teach you to how to throw humility out of the window. Much harder to do than you think.
We always want to lift other people up. Tell them how amazing they are. Say job well done. Remind them why they are special to you. Give positive feedback to your teammates at work. It is always about someone else, not you.
Issa Rae does it best in her episodes of Insecure on HBO. She stands in front of her bathroom mirror and, in the form of a rap, she tells herself how she feels about herself.
How often are you looking yourself in your own eye and telling yourself how proud of yourself you are? Try and say that three times fast.
If mirror talk isn't your thing, than do it in a way you are most comfortable. I often have my self-motivation talks in the shower or while driving.
Or what about when someone tells you that you are awesome and you respond by saying, no I am not. Stop doing that. Take that compliment and just say thank you.
Sometimes when Julian & I give each other compliments we will respond in agreement. For example, he will say "You are so amazing" and I will respond with "Yes, I know. Thank you, I appreciate you". We don't do this in a boastful way or sound arrogant. We do this in a warm and loving tone. And it feels good that we can do that with each other with zero judgement or side eyes.
Think about your self-affirmations. Make room for them in your life. Don't leave your inspiration to reading steps on a blog post or saving quotes on Pinterest. Add your voice. Then you will see the power unfold.


text:
The phrase "play a role" can be followed by "in V-ing" as in (1) below:
(1) This NPO plays a central role in proposing environmental policies.
My question is whether the preposition "in" can delete as in (2):
(2) This NPO plays a central role proposing environmental policies.
I got this question because I sometimes come across the phrase like "play a role V-ing" without the presposition "in." If the preposition in this phrase can delete, I wonder whether there might be any difference between (1) and (2) in meaning. If you notice any case in which the preposition "in" cannot delet or the presence/absence of the preposition leads to a semantic difference, I would very much appreciate that type of information.
Thank you so much!


text:
network marketers -- 2
Бюджет $250-750 USD
i want to market an MLM platform so it can attract investors
it is a forex trading based platform
bidders must have reputable marketing background and can drive traffic of approximately 10,000 visitors per day with atleast 5000 actions and 1000 sales
this person will be renumerated with 2% of the total sales away from job payment
4 фрілансерів(-и) у середньому готові виконати цю роботу за $548
Hello, Thank You For Job Posting :) I have 6+ years of experience in Website and Application development. I have checked The requirement and understand that as well. I have created SIMILAR in past. Do you want to Більше
Nice to meet you I am an marketing automation expert , not manual marketing assistant I can make automation tool or generate lead using my marketing chatbot My marketing chatbot can send 2K invitation or 6K messages i Більше
My Portfolio : [login to view URL] My MLM Projects --------------------------- User Details : [login to view URL] Id : MLM11111111 & Pass : abcd@1234 Admin Details [login to view URL] Більше
I AM YOUNG AND I AM ALWAYS ON THE SOCIAL NETWORKS, I KNOW HOW IT IS HANDLED AND HOW THE PRODUCTS CAN REACH PEOPLE THROUGH PUBLICATIONS, DEVELOPING STRATEGIC PLANS, TECHNICAL ANALYSIS AND MUCH MORE IMPORTANT, MAKING WOR Більше


text:
Used Volkswagen SUVs for Sale in Oak Lawn, IL
Looking for a used or certified pre-owned VW SUV in the Chicago area? Explore our pre-owned Volkswagen SUV inventory at Mike Haggerty Volkswagen. Explore the agile Volkswagen Tiguan, the comfort-focused Volkswagen Touareg, and the Volkswagen 7 seater SUV–the well-reviewed VW Atlas. When you're ready, visit us in Oak Lawn for a test drive!
28 Matching Vehicles Found
MPG Disclaimer:
Based on model year EPA mileage ratings. Use for comparison purposes only. Your actual mileage will vary depending on how you drive and maintain your vehicle.
All advertised prices exclude government fees and taxes, any finance charges, any dealer document processing charge, any electronic filing charge, and any emission testing charge.
Pricing Excludes Certified Pre-Owned Fee.
**With approved credit. Terms may vary. Monthly payments are only estimates derived from the vehicle price with a 72 month term, 5.9% interest and 20% downpayment.
Why Buy a Used Volkswagen SUV?
You don't have to compromise on quality or modern tech features with when you purchase a pre-owned VW SUV, if you're wondering whether you should buy a used car or a new one. Rest assured that even the Volkswagen SUV used models from a few years ago have a wide variety of modern features and advanced technology to help out Orland Park drivers, such as:
- Dual-zone climate control
- Integrated turn signal mirrors
- Onboard communications navigation system
- 4MOTION® all-wheel drive
- Hill Descent Control
- Brake assist
- Plenty of interior space for the kids' Oak Lawn activities
All our pre-owned models are thoroughly vetted by our dealership to ensure a quality experience for Oak Park commuters, but if you're looking for even more peace of mind, look for a CPO used vehicle. Certified pre-owned SUVs come with even more benefits, such as Volkswagen Roadside Assistance, model-specific warranty coverage, CARFAX® Vehicle History Report,™ and a 100+ point inspection by our certified service team here at Mike Haggerty Volkswagen.
Learn more about our Volkswagen SUV models, and check out what we love about Volkswagen Tiguan performance, then explore the 2018 Volkswagen Atlas towing capabilities in more detail at Mike Haggerty Volkswagen to make your decision final. When you are ready to schedule a test drive, reach out to us near Countryside!


text:
- Accessories
- Clothing
- Figures and Toys
- Home
- Jewellery
- Posters & Prints
- Phone Cases
- Stationary
- Other gifts
- Gift Cards
- Expedited Shipping
Kiki Heart Shaped Pot
Dimensions: 20cm
Kiki Heart Shaped Pot
Brand: studioghiblishop
Product Code: 6920871
Availability:In stock
$79.99 $105.99 79.99
Have a question?
If you have a green thumb but minimal garden space, why not create your own mini-world full of lush and beautiful figure by making your own place. This cutie toys will make it more stand out. Imagine your room with this little tiny cute totoro collection world.
Dimensions: 20cm
Puppets Type: Model
Size: <8cm
Scale: 1/60
Material: PVC


text:
Project Manager
Naviant is seeking that right individual that is looking to be challenged in their career and to work in a culture with a unique approach to their employee experience. We are an innovative company with innovative people who believe in what we do for our customers, our employees and our community.
As a Project Manager, you would be responsible for:
Project /Practice Management
- Creating and executing project work plans and revising them as appropriate to meet changing needs and requirements.
- Managing day-to-day operational aspects of a project and scope.
- Effectively applying the Naviant methodology and enforcing project standards.
Financial Management
- Understanding basic revenue models, P/L, and cost-to-completion projections and making decisions accordingly.
Client Management
- Setting and managing client expectations by managing day-to-day client interactions.
- Communicating effectively with clients to identify needs and evaluating alternative business solutions.
Apply Now
To apply for this position, complete the form below and upload your resume.


text:
As one of the important ancient Silk Road trading post in Xinjiang, Turpan oasis is surrounded by desert and mountains ruined cities and Buddhist caves.
Introduction of Turpan:
It is often said that when hanging clothes out during the summer in Turpan, it will have dried before you're finished. Such is oasis life. With mountains to the north and west and arid desert to the south, Turpan lies in the Turpan Depression at the southern foot of the Tianshan Mountains, covering an area of over 69,000 square kilometres. The city of Turfan is the seat of the administrative office of the prefecture. The prefecture has one city and two counties under its jurisdiction, with a population of 540 thousand. The lowest place in the depression is 154 metres below sea level. Turpan Prefecture has a continental desert climate and has long been known as the "Prefecture of Fire" and "Wind Storehouse".
The history of Turpan:
Turpan is a traffic hub linking the southern part and northern part of Xinjiang together and linking Xinjiang with the hinterland of our country. According to historical records, the native inhabitants in Turpan are Gushi people. In 60 B.C., the kingdom of Cheshi submitted to the authority of the Han Dynasty. The Governor-General Government for Controlling the Western Regions was established in the same year and Zhen Ji was appointed as the first Governor-General. In 48 B.C., the Han Dynasty set up the Wuji Xiaowei Military Office in Jiaohe City in Anterior Cheshi to control the reclaiming affairs in the Western Countries. In 499 A .D., Turpan came into the period of Qu's Gaochang Kingdom. In the 14th year of Zhenguan period ( 640A .D.) of the Tang Dynasty, the Gaochang Kingdom was conquered and the West Prefecture was set up here. In 866 A .D., the Gaochang Uighurian Kingdom was set up here, which took the Gaochang as its centre and kept unconquered until submitting to Genghis Khan, then Uighur was renamed "Wei-Wu-Er". In the 10th year of Guangxu period of the Qing Dynasty ( 1884A .D,), Turpan Department was established, which was renamed Turpan County in 1913. In 1984, the county was changed as the city. Turpan is a town of military importance on the Silk Roads, rich in historical relics of Chinese and Western types both on the ground and underground. Today, Turpan has been built into a beautiful oasis garden city, not only features in history and civilization of the ancient Silk Roads but also presents modern elegant demeanours. Now Turpan is an important base of grape, cotton, Hami melon and oil of the autonomous region and even in our country.
Other information about Turpan:
City life centres around the bazaar with its numerous food stalls and goods for sale and the public square, which deserted in the daytime, becomes a riot of colours, scents and sounds by night. Though the heat of the day can make even the hardiest of travellers nearly comatose, many of Turpan's streets are covered with grape trellises providing welcome shade. Turpan has long been famous for its grapes and was once renowned throughout all of Asia for its wine. Now, most local families have a hand in the grape industry, either in the growing or selling them as they are or as raisins.
Turpan is a small city in Xinjiang, but it is famous all over the country for its hot summer weather, abundant fruits and vegetables, rich places of simple folk customs. The famous tourist attractions include Su Gong Pagoda, Grape Valley, Flaming Mountain, Tuyugou, Gaochang Ancient City, and Jiaohe Ancient City. As there are only a few attractions in the city, the best way to visit Turpan is by chartered car. In addition to these conventional tourist attractions, there are many Tianshan series of ancient trails, suitable for hiking adventures.
Suggested Turpan Itinerary


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The relationship between macroalgal assemblages and abiotic factors was quantified by gradient analyses in an area where long-term changes in macroalgal depth distributions have previously been documented. Biomass data from 4, 6, 8 and 10 m depth in an area of similar salinity (5) and substrate (rock) in the northern Baltic Proper was constrained by a set of environmental variables defining different aspects of abiotic control of species distributions (sediment cover, effective fetch, clarity index, the curvature and slope of the bottom, and direction of exposure) in multivariate analyses at different scales. Fucus vesiculosus dominated the biomass at 4, 6 and 8 m depth, andFurcellaria lumbricalis at 10 m. The applied models explained 30.7–53.3% of the total variance in community structure, and 49.3–60.9% when analysed separately for each depth. A separate analysis of species depth distributions demonstrated that effective fetch was most strongly related to upper limits of the algal belts, sediment cover to the lower limit and density of the F. vesiculosusbelt, and clarity index to the lower limits of F. vesiculosus, perennial red algae, and of the red algal and Sphacelaria spp. belts. The results show a strong correlation between environmental variables and vegetation structure even on a small, local scale in the northern Baltic Proper, indicating a high suitability of the phytobenthic zone for environmental monitoring. The results add to previous studies that show a strong importance of abiotic factors on large-scale variation in phytobentic community composition in the Baltic Sea.
The brackish Baltic Sea is a marginal environment for both marine and freshwater species. The rate of ecological differentiation is presumably high due to strong selection pressure from a gradient of decreasing salinity that has been present in its current state for only about 3 000 years. Even more recently, increased nutrient loading due to human activities has affected the growth rate of species, with potential effects on their competitive interactions and responses to other regulating factors. I have investigated the potential effects of low salinity and nutrient enrichment on the distributional ranges of two marine macroalgae with a wide distribution in the Baltic Sea, the red alga Ceramium tenuicorne (Kütz.) Wærn and the brown alga Fucus vesiculosus L.
A field study in the northern Baltic Sea indicated a strong relationship between the community structure of macroalgae and abiotic factors even on a small, local scale. The abiotic factors are potentially modulated by eutrophication, which may have a strong effect on the depth distribution and abundance of macroalgae. On a regional scale, laboratory experiments suggested that nutrient enrichment is unlikely to affect the distribution of Ceramium and Fucus along the salinity gradient. Growth in Ceramium from the Baltic Proper was enhanced by nitrate and phosphate, but the response did not override growth constraints due to low salinity. Ceramium from the Gulf of Bothnia had an inherently lower growth rate that was not positively affected by nitrate and phosphate increase. In Fucus vesiculosus, reproductive performance was impaired by nitrate and phosphate levels corresponding to ambient levels in eutrophicated areas of the Baltic Sea, when measured by their effect on zygote attachment, germination, and rhizoid development.
The wide distribution of Ceramium in the inner Baltic Sea is probably related to local adaptation, rather than a generalized tolerance of different salinity levels. Ecotypic differences were observed when comparing strains from the Baltic Proper (salinity 7 psu) and the Gulf of Bothnia (4 psu). A high rate of vegetative reproduction was evident, although sexual reproduction was occasionally observed in salinity 4. In Fucus vesiculosus, genetic and morphological analyses of sympatric and allopatric populations of the common, vesicular, morphotype and a dwarf morphotype, characteristic for the Gulf of Bothnia, showed that the dwarf morphotype represents a separate evolutionary lineage. Also, vegetative reproduction was observed in Fucus for the first time, as supported by genetic and experimental data.
The results show that the biota of the inner Baltic Sea may have unique adaptive and genetic properties, and that it is highly relevant to consider subspecies diversity in Baltic Sea management.


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Rockport State Park
- Utah State Parks ,
- Fishing & Wildlife ,
- National & State Parks ,
- National & State Parks
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Experience the cool waters of Rockport Reservoir. Wakeboard, waterski, canoe or paddle. Anglers fish for bass, perch, and rainbow trout. During winter, ice fish and access nearby snowmobile trails.
Map & Location
9040 North Highway 302, Peoa, UT 84061
More Salt Lake


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The Scuderia Auto-Neuser was founded in 1965 in arrangement with Alfa Romeo Milano under the 4-leaved cloverleaf.
National and international mountain and round distance runnings with many victories were the wage of many years of hard work!
These results have been the reason to animate the Scuderia Auto-Neuser again in 1987 to 2005 .
The main focus of the Scuderia Auto-Neuser is trading with noble and historical vehicles of Italian manufacturers and selling of rare spare parts of these cars.
We are pleased to welcome you in our new Showroom.
Please make an appointment with us!


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‹ Back to Past Screenings & Events
YFS Past Screenings & Events
All the Time in the World
This screening took place on
A feature documentary from Dawson City-based filmmaker Suzanne Crocker, All The Time In The World chronicles a family of five who, in search of a new perspective, leave the comforts of home to live remotely in the Yukon wilderness during the long northern winter. The parents leave their jobs and take their three children, ages 10, 8 and 4, to spend nine months living in a small cabin with no road access, no electricity, no running water, and no internet, no TV, no phone and, most importantly, no clocks or watches. Filmed over 9 months, this charming and reflective documentary explores the theme of disconnecting from a hectic, technology-laden society in order to reconnect with each other, our children and our natural environment.
Director Suzanne Crocker and her collaborative family members in attendance.
Yukon premiere screening.
Most Popular Canadian Documentary at Vancouver International Film Festival 2014
Harold Greenberg Green Screen Award - Planet In Focus Film Festival 2014 - Toronto
Sunday, February 8, 2015 at 5:30pm
Yukon Arts Centre
- Directed by Suzanne Crocker
- 2014, Yukon
- 89 minutes
Screening sponsor: Northwestel Community Cable 9


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Guillemots frontman Fyfe Dangerfield has completed a task to write a song in 24 hours using Twitter.
The 'She's Always a Woman' star was set the challenge by Q magazine and asked followers on Twitter for help with the song, which will be released to raise funds for War Child.
The track, titled 'Super Injunction', was created by fans' suggestions and contributions over the past day. Users could participate by using the '#qsong' hashtag.
Tweets from Dangerfield throughout the morning have given clues as to what the record might sound like.
"I need a phrase that sounds and scans like "i'll never come back" but isn't. #Qsong i mean i might just sing that but you can always try (sic)," he wrote at one point.
Dangerfield also addressed followers directly to call upon favours: "you don't fancy recording some harp tonight or early tomorrow morning do you?! can you record at home? X"
Just before midnight last night, he asked: "one thing- anyone have access to a big group of children who are prepared to shout a few things in the morning and be recorded?"
At 2pm this afternoon, Q magazine announced: "It's 2pm, @fyfedangerfield has written Super Injunction with your help. A bit of mixing and then you'll hear it #Qsong (cash 4 War Child)"
It is not yet clear whether the track will premiered today or later this week.
Guillemots have described the sound of their forthcoming fourth album as "intense".
Watch the music video for Guillemots' latest single 'The Basket' below:


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Tag Archives: teaching
(#364) Your Legacy
Whatever you build, destroy, hand down, create, or undo will be your legacy. Legacy: Something handed down from one generation to the next; from one person or group to another. Whether for good or ill someone or some entity passed … Continue reading
Posted in generativity, Goals, inspiration, legacy, Passion, resilience, self-efficacy, sharing Tagged accomplishment, goals, legacy, mentor, sharing, teaching 1 Comment
(#332) 100 Years of Resilience
"Life is not about me, it's about others." -Frances Bartlett Kinne- It is 1917 and Oregon beats Pennsylvania (14-0) in the Rose Bowl. German U-boats stalk international waters. The US Supreme Court upholds the 8-hour workday for railroad workers. The … Continue reading
Posted in ageing, Appreciation, authenticity, Being REMARKABLE, effective teaching, empathy, Excellence, fitness, Gratitude, legacy, Life lessons Tagged aging and wisdom, authenticity, empathy, gratitude, grit, humility, learning, legacy, mental fitness, relationships, resilience, teaching, transformational leadership, wisdom 1 Comment
(#303) Give Your All Stars the Spotlight
Find a way to let your colleagues share what they are proud of and how they do it. At times, the execution of appropriate recognition can move from the sublime to the ridiculous. I remember years ago sitting in a … Continue reading
Posted in Appreciation, awareness, Being REMARKABLE, branding, Gratitude, Life lessons, Passion, Personal growth, Personal Wellbeing, Reflective practice, retrospective, teamwork, Values and virtues, wisdom Tagged appreciation, authenticity, branding, corporate training, employee recognition, faculty development, goals, gratitude, growth, motivation, passion, public speaking, reflection, remarkable, resilience, staff training, teaching, teaching and learning, team building 1 Comment
(#294) Benefits Of Remaining A Continual Learner
It can help us fill in gaps between assumptions and realities. A few months ago on this blog I posed the question, "Do we take time to experience what our customer, client, or student is experiencing?" Regardless of your profession or … Continue reading
Posted in Anxiety, assumptions, change, college retention, Critical Thinking, effective teaching, growth, habits, Integrity, intentionality, Reflection, Reflective practice, resilience, vulnerability Tagged assumptions, brookfield, critical thinking, faculty development, intentionality, leadership, learning, professional development, reflective practice, resilience, teaching, teaching and learning, training sales staff, training teachers 1 Comment
(#274) Igniting Passion: Seven Superlative Student Stars
They spoke directly to the power of teaching and the importance of relationships in life. This past Thursday I had the honor to deliver the keynote address for the annual faculty convocation at Northern Virginia Community College (NOVA). The organizers … Continue reading
Posted in Appreciation, Being REMARKABLE, Gratitude, Grit, Living a remarkable life, Making a Difference, Passion, Teaching, teaching and learning, tenacity Tagged challenge, gratitude, grit, learning, make a difference, odds, passion, relationships, struggle, teaching, teaching and learning, vision, vulnerability 1 Comment
(#257) Sunsets and Sunrises
"You are where I was. And I am where you will be." This week represents a major life demarcation for me. After 33 years of classroom teaching, I will be retiring from my college. I am not retiring, however, from my … Continue reading
Posted in Appreciation, assumptions, awareness, Balance, Being REMARKABLE, change, collegiality, effective teaching, Goals, Gratitude, happiness, Integrity, Life's purpose, Mindfulness, Reflection, resilience, retrospective, Success, Teaching Tagged balance, change, life's journey, purpose, reflection, relevance, resilience, retirement, teaching 5 Comments
(#255) Did You Make A Difference? How Do You Know?
While this blog post speaks specifically to my teaching colleagues, we can all draw inspiration and clarification when we stop and examine what we do. On my campus, we have two weeks of classes and a week of final exams … Continue reading


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Hostelworld suosittelee
Rakastamme tätä hostelia! Suosittelemme sitä jatkuvasti hyvien asiakasluokitusten ja erinomaisten laatupisteiden ansiosta.
Milloin haluat vierailla kohteessa Málaga?
Voit tarkistaa saatavuuden syöttämällä päivämäärät
- Hae saatavuutta ja hintoja
- 11 huh 2020, 3 Yöt
- 2 Vieraat
- Muuta hakua
Paras hintatakuu
Jos löydät muulta verkkosivulta edullisemman varauksen, hyvitämme hintaeron.
Hostelit, joihin ihastut
12 miljoonaa käyttäjäkokemusta matkailijayhteisöltämme.
Välitön vahvistus
Varaus on vahvistettu, emmekä peri varausmaksuja.
- 30
- Kaikki
- Hinta
- Arvosana
- Etäisyys
- Nimi
- Näytä:
- Luettelo
The Urban Jungle Rooftop Hostel
The Urban Jungle Hostel is a green hostel with rooftop terrace located in the historic heart of sunny Malaga!
We are the top-rated hostel in Malaga and one of the few located in the city center! An... Lisää...
The Lights Hostel
Looking for a comfy and fun hostel where you´ll have a good night sleeps in our big beds, great showers and meet fellow travellers on our sunny rooftop? Don´t look further! We've spent a... Lisää...
Feel Hostels Soho Malaga
A stay in affordable accommodation doesn't have to mean a sacrifice in quality. At Feel Malaga Hostel for backpackers is a relaxed and chilled-out hostel which focuses on personal service.
We are... Lisää...
Republica Malaga
Create memories of a lifetime in one of the most charming cities in the world - Malaga. Relax on gorgeous sand beaches, explore a cultural hub of art and entertainment, or check out the many famous... Lisää...
The Lights Garden
Our typical hostel is a charming 100+ year old traditional Andalusian house with a friendly, urban feel. The hostel was created as an idea by travelers that want to make your stay in this beautiful ci... Lisää...
Ilans Apt
Ilan's-Apartments are located in the historic center of Malaga, perfectly situated near the Alcazaba, Gibralfaro Castle, the Picasso Museum, the Cathedral and the citys main plazas.
The Malagueta b... Lisää...
Oasis Backpackers' Hostel Malaga
We have a saying at Oasis Backpacker's Hostel Malaga – if you can't meet anyone here, you can't meet anyone anywhere! Or maybe that was, 'why do my socks smell like tequila?' Either... Lisää...
We are not a hostel, we are an 'ECO Homestel'. Our Andalusian villa has 10 rooms, 9 private and 1 shared. Surf or Kite? We love the beach and we know that you do too. That's why each room has the name... Lisää...
Feel Hostels City Center
A stay in affordable accommodation doesn't have to mean a sacrifice in quality. Feel Hostels City Center for backpackers is a relaxed and chilled-out hostel which focuses on personal service.
With... Lisää...
Casa Al Sur Terraza
Our new sunny addition to the Casa Al Sur family is a bright, charming Andalusian house that focuses on its spaciously relaxing roof terrace.
Casa Al Sur Terraza wants to create a calm oasis in th... Lisää...
Malaga Beach and Center Backpackers
If you want to be close to the beach and relax on a terrace with sea views this is your place. We are in a quiet residential area where the city center is very easy to reach. You won't have the... Lisää...
Patio 19
Patio 19 , Old house, ancient, nice building, massive place, grandma old house, and so..... many things to say, but the best is that we are still working hard to be better, after so many years we have... Lisää...
Casa Babylon Backpackers
Casa Babylon is more than a hostel - it's a place to share your travel and personal experiences with all the other cosmopolitans and backpackers. Come here and spend a pleasant time with all of us wh... Lisää...
Alcazaba Premium Hostel
Stay right in the centre of Málaga
Located just 180 meters from the Picasso Museum in the Malaga historic center, Alcazaba Premium Hostel features an onsite restaurant, a bar and an amazing... Lisää...
Hostel Malaga City
The hostel has been renovated and carefully designed to make you feel at home. Every space has a different motif, creating a special harmony in every corner! You will find plenty of attractions very c... Lisää...
Bellavista Playa Malaga
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Some rooms have a balcony overlooking the beach and the sea i... Lisää...
Chinitas Urban Hostel
The hostel offers beds in heated rooms, private lockers, and access to shared bathroom facilities, including a shower.
Chinitas Urban Hostel is located in the historic city centre of Malaga. This... Lisää...
Villa Alicia
Villa Alicia Guest House is located in the upper part of the centre of Malaga, very close to the Virgen de la Victoria Shrine, facing Gibralfaro Hill and Castle. It has an excellent location and wonde... Lisää...
The Lights Suites
The Lights Suites are right next door to Malaga´s bustling Central Market, with many of the rooms having balconies overlooking the market. Each room has very comfortable beds, brand new ensuite... Lisää...
Cozy B&B Beach Centre Apartment
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Barbatuke Art & Hostel
"Art & Hostel next to Cervantes'
We offer accommodation in an urban building with mixtures of styles in which we want people to meet in the cultural/artistic events and activities that we... Lisää...
La Moraga de Poniente Malaga Hostel
Malaga Hostel is five minutes walking distance from the best beaches of the famous area Pedregalejo. Our Hostel is the first one in Malaga East. It opened in June 2011 and is designed for medium and... Lisää...
Pension Terminal
Pension Terminal is located in central Malaga, just 200 meters from Maria Zambrano train station and bus station. The reception is open 24 hours and the rooms are spacious and offer air conditioning... Lisää...
Alameda Hotel
KAUPUNKI Keskittyä Alameda Hotelli on erinomainen asemassa oleva kotona Málaga keskittyä , lakkauttaa jotta Paapuuri ja ehdottaa luona Johdattaa Ajaa pakosalle. Erinomainen jotta k&au... Lisää...
Hostal Flamenco Camarón
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Our rooms are quite comfortable. We have rooms from one person... Lisää...
Hostal Caminito del Rey
Hostal Caminito del Rey is a excellent accommodation and personal service in a authentic location surrounded by mountains and away from heavyly touristic Costa del Sol.
Hostal Caminito del Rey was... Lisää...
Ático Centro Málaga
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El Riad Andaluz
El Riad Andaluz offers traditional Andalusian guest rooms in house dating from 1780 located on a pedestrian street in Malaga's historic center.
The traditionally decorated rooms have a private bath... Lisää...
La Siesta Malaga
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Conviven: Albergue y Espacio Ecocultural
Conviven: Albergue y Espacio Ecocultural' the nº turist license: H/MA/02224
Conviven is a space and a group with educational and environmental awareness, organized horizontally and independent... Lisää...
Tutustu Hostellit valikoimaamme kunnassa Andalucia. Lue asiakasarvosteluja kunnan Andalucia Hostellit, katso Hostellit Andalucia kartalla ja hyödynnä ilmaisia tekstiviestivahvistuksia.
Parhaimmiksi arvioidut hostellit Málagassa
- The Urban Jungle Rooftop Hostel Málaga
- Republica Malaga Málaga
- The Lights Hostel Málaga
- The Lights Garden Málaga
- Malaga Beach and Center Backpackers Málaga
- Barbatuke Málaga
- Alcazaba Premium Hostel Málaga
- Casa Al Sur Terraza Málaga
- Oasis Backpackers' Hostel Malaga Málaga
- Feel Hostels Soho Malaga Málaga


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Ioanna Lagoumidou is an accredited mediator.
She can successfully mediate commercial disputes, family disputes, bioethic disputes, health- mal practice disputes. She is specialized in Bank Mediation and OnLine Dispute Resolution (ODR).
She is included in the list of mediators of the Ministry of Justice, as well as in the list of mediators of the Athens Chamber of Commerce and Industry.
Having completed postgraduate studies in Negotiations at the Economic University of Athens (Diploma in Negotiations) she has the special skills, necessary for successful mediations. She has attended various seminars concerning mediation. Her legal knowledge and her long experience as a lawyer are a guarantee for a successful mediation.
What is Mediation
The Greek Law 3898/2010 incorporated the Directive 2008/52/ΕΚ "for some matters of mediation in civil and commercial cases" and thus Mediation was part of the Greek legislation.
Mediation is a new institution in our country, nevertheless it is a "civilized solution" as far as the settlement of conflicts is concerned. It is possible to solve a private issue without going to court; before the commencement of a trial or during the trial. The parts that are in conflict contact the mediator, who – through a certain flexible process- helps the parts to find a solution to their conflict. Moreover the mediator helps them to extend, if they wish so, their relationship, starting a new type of relationship, commercial or business, or by smoothing in all extents all types of issues, in the family or business sector.
What is the validity of the agreement?
The process concludes with an agreement, signed by both parties. Then the Mediator, if he is instructed to do so by any of the parties, files this agreement at the Court of First Instance of the area where the Mediation took place. In this way, the agreement can be enforced.
The cost of the mediation procedure is considerably lower than the costs of the respective court procedure. The time needed for the solution of the disputes through mediation, varies from a few hours to a few days.
Mediation can be included with a certain clause in the contracts.
"Each conflict concerning any dispute that can be arisen concerning any matter of the present contract (namely concerning the validity, the interpretation, the implementation or non-implementation, the cancellation etc.) will be solved through Mediation".
- Settlement of personal bank loans
- Settlement of business
- bank loans
Family issues that can potentially be solved after the couple breaks up, through mediation are:
Α) child maintenance payments
Β) disputes on the property acquired during the wedding,
C) settlement of the family home
D) issues regarding commonality
Mediation can be the golden solution for the settlement of conflicts that can be achieved through the two parts' decisions rather than through decisions imposed by others.
In addition, for family issues that cannot be definitely resolved through mediation (such as the divorce), the procedure through the guarantee of neutrality of the mediator, as well as the guarantee for privacy, can be the settlement of the conflicts of the two sides and the preparation of an environment that can lead to a "smooth" procedure at court.
Family mediation takes place in neutral premises, usually requires 2-4 meetings (sessions) at a distance of at least one week. The duration of each meeting is of about 2 hours with common and private meetings with the mediator. A characteristic of family mediation is that we have more common meetings than private ones. The parts, with the help of the mediator and through mediation, are aided in order to focus not on the points that separate them with the ex-spouse but at the needs of their children.
In cases of cross-border family conflicts (mixed marriages, illegal detention of a child in another country, child abduction) mediation becomes possible through the Legislative basis of a) Brussels Regulation ΙΙ: 2201/2003 article 55, paragraph 2 , element e' and b) the Hague Convention 1980 (article 7, par. 2, element c') that provide for and enforce the cross-border collaboration of authorities for "agreements between beneficiaries of custody who seek mediation…".


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Looking to see some musical theatre? Find out more about London musicals.
Genius Of Ray Charles, The
Producer - David King for Spirit of the Dance Productions
Unlike film, theatre doesn't have an official age classification organisation. That means all age recommendations are subjective and should be treated as guidelines unless otherwise stated. With this in mind, we ask you to use your judgement in regards to a show's suitability prior to purchase. However, we are more than happy to help you make a decision. Please email our Customer Care team to find out more about your chosen show.