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Ian Sanchez is the founder of grow Purpose Network, a consulting firm driven by the mission of fostering environmental preservation and people's education, training and entrepreneurship.
by ACR Latin America
Every night, before going to sleep, Ian Sánchez plans his day of work, a discipline that arises from his entrepreneurial spirit that has always accompanied him. Meetings, clients, projects. That's Ian's job, which usually starts at about 7:15 in the morning, after taking his daughter to school. The objective is clear: to achieve alliances with institutions, organizations or entrepreneurs who not only seek profit but also contribute to the well-being of human and natural resources.
Some of the projects Ian has worked on include: clean fuels coalition, developing energy efficiency programs, and green rooftop systems, sanitary septic tanks and solar panels for customers in Central America and the Caribbean.
"When we are on a project, my task and that of my colleagues is to identify the right people and resources to deal with a certain issue on which we are working, and thus we establish meetings with clients to exchange ideas," explains the founder of Grow Purpose Network, a firm through which these initiatives are carried out.
Grow Purpose Network is a system of approach for all entrepreneurial businesses that not only seek profit, but also contribute to the well-being of human and natural resources.
"The goal is to make families and friends throughout South America and the Caribbean who provide a range of products and services, see this system as an approach to promote the development of clean energy, such as solar, wind, hydroelectric; sanitation material, sustainable construction and more," explains businessman Sánchez.
According to the vision of this entrepreneur, air conditioning manufacturers and installers can partner with energy efficiency companies and NGOs to reach more customers and offer better services, at affordable prices to expand their coverage range.
Latin Heritage
Ian was born in Southern California, the son of caribbean emigrants, his father is a native of Trinidad and his mother is from Barbados. While his grandparents were from Venezuela and the Dominican Republic. Since childhood, the family instilled in Ian Sánchez a strong work ethic, which he has applied in the different organizations in which he worked, always, according to him, developing a love for entrepreneurship.
"In 1999 I moved to Charleston, South Carolina, and did several businesses, both for-profit and non-profit, my experience has been bringing together people from different backgrounds and finding resources to support meaningful ventures for the environment and the same people."
At 18 years of age he worked for a large corporation and his entrepreneurial spirit quickly placed him as a warehouse manager, seven years later, in a forklift accident, Ian lost several toes. It was the first time he took a break from work.
Soon after he started a real estate business, where he learned the dedication it takes to run an organization.
After four years of solid growth, Ian sold the portion of his business to his partner, in search of something more meaningful. It was at that time that he took over a non-profit environmental organization under the figure of executive director. "I worked hard for only a fraction of the payout, over the next five years we managed to grow by 500%."
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According to the philosophy of this entrepreneur, people's collaborations could be leveraged much more if only people could find the time to cultivate mutually beneficial relationships.
"It was when I joined forces with a colleague to form the Grow Purpose Network in order to facilitate collaborative projects that are good and profitable for people and the environment."
Look at Latin America
According to Ian Sánchez's perspective, there are enormous opportunities for Latin America and the Caribbean in the development of strategic alliances that help companies offer products and services in favor of the environment and that are affordable for all people.
Collaborations help companies offer a variety of services to customers and focus on their core business. This can help you reach your goals more quickly. Ian notes that "the main goal is to deliver the most value to customers, while the world is a cleaner and more livable place."
Companies that want to be more environmentally friendly should look for ways to partner with others who are already doing so and find ways to work together. They can also look for funding opportunities from NGOs and government organizations that are also trying to do the same.
With the inclusion of people and planet in the bottom line, employees can find more pride and meaning in their work.

subset: commoncrawl


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Roma are delighted with the penalty scored by Paulo Dybala
Argentina won against France on Sunday night in the World Cup final in the fateful penalty shootout. The two teams were neutralized 3-3 in the match. Paulo Dybala notably transformed his shot to the test. Which delighted his Roma teammates.
Currently in preparation for the recovery in Portugal, the Roma team followed the match between Argentina and France with great attention. The Giallorossi mainly supported Paulo Dybala who played two games in the competition. El Pibe de la Pension, who came on for the penalties, converted his shot. He was applauded by his entire team and staff members. A player from the club of the Italian capital is therefore world champion.


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Table of Contents
In general, total, our cash supply deserves less and less with each passing year. As the worth of cash decreases, the price of goods and services increases. A lot of us take this for approved and do not consider it much. It's not uncommon to hear about how 5 cents used to buy a bottle of coke, or a hamburger might be purchased for a penny.
The key to using inflation to construct wealth in real estate depends on the truth most of your huge expenses (mortgage, real estate tax) stay repaired for most of the time you own the property. When you integrate this with increasing leas and house worths (due to inflation), you start to see big results - creating wealth.
I hope this shines a little light on the factors investing in real estate can grow your wealth so effectively. There are lots of methods to construct wealth in America, however real estate might be the safest, steadiest and simplest method to do so.
Have you considered buying real estate but assume you do not have sufficient cash or don't know the correct terms? It's a common misconception that you should be either wealthy or a real estate specialist to invest in real estate. The truth is that anyone can buy real estate in one type or another, even if they just have a little cash to start.
Whether you purchase real estate directly or indirectly, investor take pleasure in the healthy returns they receive on their investment. If you're a rookie, read this guide to discover how you can begin constructing wealth through real estate too. What Does It Mean to Purchase Real Estate? Purchasing real estate can imply a number of different things.
You make not just the appreciation the house gains however likewise monthly cash circulation from lease payments. There are many other methods to invest in real estate, which we'll talk about below. In general, it implies that you put your money in real estate either in equity (owning the residential or commercial property) or debt (lending the funds to buy the property).
When you buy real estate, you diversify your financial investments, so you aren't depending on the measly cost savings account rates banks pay today or putting all your money at risk with the stock market, which all of us know can crash in the blink of an eye. Who Certifies to Purchase Real Estate? You don't require to be a certified financier to purchase real estate (real estate strategies).
Anybody can invest in real estate if they have the desire and a little money to invest. If you desire to invest in physical real estate (owning the residential or commercial property yourself), you'll need a down payment.
What Are the Benefits of Investing Real Estate? Like any investment, real estate has its pros and cons.
When it comes to purchasing and holding real estate, you'll make month-to-month capital from the lease. After you pay your home mortgage and the property expenditures, the remainder is yours. This is a great method to conserve for another financial investment, put away for a rainy day, or utilize to supplement your retirement earnings.
Obviously, there are times when values fall, however the marketplace typically bounces back. If you remain in it for the 'long haul,' you'll likely take pleasure in fantastic appreciation, which implies greater earnings when you offer the property. Many individuals use real estate financial investments as their long-lasting retirement strategies. They know at some time throughout retirement, they can offer the residential or commercial property utilizing a service like Roofstock Market, earn a profit and utilize the funds to supplement their retirement income.
You manage the leas, the length of time you own the property, and you can even force some gratitude by making enhancements to the property. Top 5 Ways to Buy Real Estate Now that you're interested about buying real estate, here are the leading 5 ways to invest in it.
You can purchase them from a real estate representative utilizing the MLS system and even a for-sale-by-owner property. You negotiate the prices, close on the house, and market the home to discover occupants. You can likewise utilize a service to buy a turnkey residential or commercial property or property with renters in it.
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1031 Exchanges in North Shore Oahu Hawaii
A 1031 Exchange Is A Tax-deferred Way To Invest In Real Estate in Pearl City Hawaii
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3 simple Valentine's Day gift ideas for female golfers
Valentine's Day is just around the corner, and if you haven't thought about what you're going to get your lady, the time is now. Below, we're linking three of our favorite gift ideas for female golfers. Click here to check out our suggestions for men!
Simple accessories
Place the socks and tees in this cute pouch and get her a snazzy new head cover — it's a thoughtful, simple and actually useful gift.
All of our market picks are independently selected and curated by the editorial team. If you buy a linked product, GOLF.COM may earn a fee. Pricing may vary.
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A gift you can share
Pair the cheese board with a nice bottle of red and pick up a few yummy cheeses, and you'll have a gift you can experience together.


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The Internet is without a doubt one of the best resources available to us. Unfortunately, it's also extremely dangerous if you aren't aware of who and what lurks behind the scenes. Everyone should know how to be safe when surfing the web. and this workshop will provide for students tips and tricks to being safe on the internet.
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Incident 254: Google's Face Grouping Allegedly Collected and Analyzed Users' Facial Structure without Consent, Violated BIPA
Description: A class-action lawsuit alleged Google failing to provide notice, obtain informed written consent, or publish data retention policies about the collection, storage, and analysis of its face-grouping feature in Google Photos, which violated Illinois Biometric Information Privacy Act (BIPA).
EntitiesView all entities
Alleged: Google developed and deployed an AI system, which harmed Google Photos users residing in Illinois , Google Photos users and Illinois residents.
Incident Stats
Incident ID
Report Count
Incident Date
Khoa Lam
GMF Taxonomy ClassificationsTaxonomy Details
Known AI Goal
Data Grouping
Potential AI Technology
Clustering, Face Detection
Potential AI Technical Failure
Unauthorized Data
Incident Reports
Reports Timeline
Google has agreed to pay $100 million to Illinois residents to settle a class-action lawsuit over one of its facial recognition features in Google Photos (via Gizmodo). The complaint alleges Google's face grouping tool, which automatically …
Illinois residents have until Saturday to submit claims for their cut of a $100 million class-action settlement reached this spring in a lawsuit against Google over alleged violations of the state's biometric privacy law.
Anyone who appeare…
A "variant" is an incident that shares the same causative factors, produces similar harms, and involves the same intelligent systems as a known AI incident. Rather than index variants as entirely separate incidents, we list variations of incidents under the first similar incident submitted to the database. Unlike other submission types to the incident database, variants are not required to have reporting in evidence external to the Incident Database. Learn more from the research paper.


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The internet has become an essential part of our daily lives, connecting us with friends and family, and the world at large. We can't afford to get away from it, nor do most of us want to get away from its comforting omnipresence.
Yet, the intangible nature of the web can often lead users to forget that the online world also poses significant risks to our personal and financial security. Cyber-criminals are always on the lookout for any sensitive information they can steal including passwords, credit card data, potential victims' intimate details and much more.
There are some very simple steps you should ideally take to reduce your risk of becoming a victim of cyber-crime while browsing the internet. Let's get down to them right away.
- Check URLs Before Clicking
Never click on a link without checking the URL (web address) thoroughly. It doesn't matter whether someone you trust sent you that link or it appeared at the top of the search results page when you were looking up something.
First off, make sure the website you're about to visit is secured with an SSL certificate. How can you tell? Simply look for the "https://" at the start of the URL. Never click on a link that begins with "http://". But it doesn't end there.
Say, you were planning to binge watch a sci-fi series on Hulu or enjoy a spot of PlayUp betting, for example, and typed the name of these sites into the search bar. Apart from the correctly spelled URLs you might also come across "Huluu.com" or "PalyUp.com" in the search results.
What many folks don't realize is that deliberately misspelled domains are frequently registered and set up by hackers with the express purpose of tricking people into visiting them. It's a kind of social engineering attack that relies on the victim's familiarity with a website or brand and/or their inattention.
Once the trap has been sprung, and depending on which site is being mimicked, the unsuspecting target might end up giving away their login information, personal data or even credit card details to cyber-criminals via the spurious website, and not even know it happened until it's too late.
- Keep Software & Browsers Updated
Companies often roll out security patches to fix newly discovered vulnerabilities to protect your devices from malware and other possible threats.
So make sure that all the software and apps on your computer and mobile devices are updated regularly. Perform the same check for your browsers too.
Also, don't be lazy to restart your computer or the app to apply any updates, if prompted to do so by the system. It's not an arbitrary suggestion and may actually be required for the files in question to be updated properly.
- Install An Anti-Virus Program
You should also consider using anti-virus software to protect your computing devices from malware. Anti-virus software can detect and remove viruses, trojans, and other types of malware that are created to compromise your security and privacy.
There are many great anti-virus options out there such as Avast, Sophos, Norton, F-Secure and Avira. Some of these are free. So there's really no excuse to pretend you're perfectly comfortable with just the built-in firewall protection that comes with your computer.
- Use A VPN
Now, this isn't an article about how you can completely hide yourself from the web—email address, device fingerprint and all. But leaning on a Virtual Private Network (VPN) to mask some or all of your web activities has become too mainstream to omit it from this post.
A VPN is a tool that encrypts your internet connection and hides your IP address, making it difficult for hackers to intercept your online activities. VPNs are especially handy when using public Wi-Fi networks, which are often not secure enough.
Some VPNs even let you get past geo-blocks on streaming platforms. So say you have a Netflix US subscription and are traveling to another country. But you were in the middle of watching the Tycho Station coup in The Expanse! Your only hope might lie in a service such as ExpressVPN, Surfshark or CyberGhost to help you evade geo-locked content.
VPNs even come in very handy when doing a simple search on Bing or Google. Let's face it; the search results on certain topics are sometimes trash. And the only way to get around it is to look up the same topic after switching on your VPN and selecting a different server.
- Avoid Downloading Content From Fishy Sources
Google's Play Store and Apple's App Store are the official marketplaces for downloading apps and games for Android and iOS/ Mac devices, respectively. Apps for your Windows PC can be downloaded from the Microsoft Store.
System software updates are pushed directly to your computing device by the manufacturer in question. The same can be said for app updates which can be set to be downloaded by default or when you check for them.
For everything else you wish to download, use good judgment and basic research skills. Third-party sources for software and apps aren't a complete no-no. But if an app or software looks fishy, or the site offering it appears disreputable, avoid hitting the download button.
- Never Give Away Personal Information Unnecessarily
The internet does not only give identity thieves another avenue from which to snatch data such as social security numbers, credit card info, passwords and more. Social media can also provide threat actors with a wealth of information users might not even realize they're giving away.
Details about your pets, your family, your relationships, your favorite movies and so on may be used by hackers to guess your passwords, for example. Posting blow-by-blow updates about your trips abroad can give cyber-criminals information about exactly where you'll be at a certain time or date, and even let them steal your frequent flyer miles, if they get the opportunity.
Lastly, cancel culture has proven that stuff posted online lives on forever, and does not disappear into the ether, as many would imagine it. So even if you're not afraid of identity thieves and hackers, you might want to think twice before posting anything that could affect employment opportunities or any degrees you might want to pursue.
- Do Not Open Suspicious Emails or Messages
One of the most common ways that cyber-criminals try to gain access to sensitive information is through phishing scams. Phishing typically involves sending a potential victim an email or a message that looks like it's from a legitimate source such as a bank, their workplace or a social media site. The message will often ask them to click on a link or provide sensitive information.
Sometimes, phishing attacks are designed to deliver malicious content such as viruses or ransomware to the target's computer or mobile device. Malware may be sent as mail attachments or they may be downloaded unwittingly when a victim clicks on a dangerous link they received over email.
- Use A Strong Password & Enable 2FA
One of the most important steps to stay secure online is to use strong and unique passwords for each of your online accounts. Accounts secured by weak passwords such as "123456" or "password" can be easily hacked by cyber-criminals. Some people use simple passwords due to the fear of forgetting them and having to go through the pesky process of resetting them.
Why put your personal and sensitive information at risk when you can use a password manager like Bitwarden, Dashlane or NordPass to remember all those complicated passwords for you?
In addition to setting strong passwords, enable two-factor authentication (2FA) wherever available. It is an extra layer of security that requires you to provide two pieces of evidence to verify your identity before you can access your online account. This can include something such as your password, and a security token or a verification code send to your phone.
Multi-factor authentication can stop hackers from accessing your account, even if they have your password. Most online services, including email, social media, and banking offer 2FA.
Wrapping Up
Apart from the aforementioned tips, backing up your important data, installing an ad blocker, avoiding the use of unsecured public Wi-Fi networks and turning up the online privacy settings available to you to full blast, are some other simple steps you can take to protect yourself from hackers.
In an era of increased online threats, it's more important than ever to stay vigilant about these dangers. By implementing the basic cyber security practices we've mentioned above, you can ensure that your online experiences stay as safe, secure, and enjoyable as possible.


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These businesses, including SoFi and you may Qapital, was changing the organization activities and you may progressing off a dependence into the interchange charge. He or she is bringing further into the credit, asking membership fees and you can providing opportunities, as an instance.
The fresh new financing method
"At the end of the day, an element of the providers off a bank will be to take in cheaper dumps and you can give currency, this is the most effective model," told you Robert Le, fintech analyst on Pitchbook. "The fresh Chimes while the Varos would have to get into financing."
Starling Bank in the united kingdom announced payouts for the first time this past year, largely by building a big loan guide, Ce noted.
SoFi, hence began while the a seller away from education loan refinancing and following broadened over to a full-spectrum challenger bank, seems to be enjoying the great benefits of the lending company rent they received along with its purchase of Wonderful Pacific Bancorp, that has been finished in March. Instead of quickly promoting the private funds and you can mortgages it can make, it is currently holding them prolonged and receiving a lot more desire money. SoFi's internet notice earnings are $122.seven mil on one-fourth, a critical increase on the $95 mil they acquired in the first one-fourth.
It is reasonably holding the fresh places it accumulates within the examining and you can coupons levels, in lieu of having those funds held from the a lender partner. Thus giving an affordable out of financial support because of its money.
Certainly almost every other You.S. neobanks Pennsylvania auto title loans hours, Varo is one of gonna start financing in the future, since it have a financial licenses, Ce predicted.
The organization stated improvements within its next-quarter performance. Money are $23.8 million, upwards 8% off $twenty two mil in the 1st quarter. Losings was basically $77.1 million, a fall of 9% regarding $84 mil in the 1st quarter.
Varo refused a request for an interview for this blog post. Within the a created report, the business said its banking rent "gives us self-reliance and total command over our very own costs and you will structure. … We can gather deposits, lend and you will invest according to you to definitely resource, hence others cannot would."
Registration charge
Certain neobanks, like Qapital inside New york, costs a month-to-month registration commission, borrowing from the bank a webpage from Netflix's publication. Qapital possess an excellent tiered pricing model of $step 3, $6 otherwise $a dozen a month.
"If you aren't seeking nickel and cent considering transaction otherwise based on some sort of a case such an enthusiastic NSF or overdraft, a fee every month is one thing that is increasingly popular," Ke told you. "It has naturally come widely used on user technology space, regarding online streaming media for other things like e-trade during the last lifetime."
"They have another type of suggestion," Ke told you. "They are able to share with a narrative from the helping to spend less top. It realistically is practical to possess a fee every month attached so you're able to they because it is an extended-name matchmaking that they're strengthening to your member to help them save your self most useful." Qapital is about to make a profit, Ke told you.
Other charges
And interchange charges, there are also extra transaction-level charges you to definitely neobanks such as Chime can charge, Ke mentioned, as an example to have payday advances.
Starling Financial from the U.K., for-instance, has generated a technology program because of its very own bank this rents out to others because application once the a service, Le mentioned.
"SoFi do you to definitely too," he told you. "He has got loan courses and technology programs that they come to be a beneficial [software-as-a-service] equipment. That's other revenue provider."
"Over the years giving funding facts manage assist, but stuff cost a lot as well as the unit costs are strict," Le told you. "It requires her or him tons of money and it's maybe not a highly profitable company." Acorns, Hide and Qapital all bring spending functions.
Because they part of its fees, neobanks will need to be mindful otherwise they could weaken the fresh new really need several were formed: provide customers inexpensive very first financial.
Neobanks and additionally can not all of a sudden initiate battery charging getting qualities it accustomed enable free. Financial off America discovered this concept last year, whether it decided to start asking $5 thirty day period because of its in earlier times totally free debit card. The financial institution needed to retrench in the course of consumer opposition.
Scaling upwards
Other path to earnings, based on Rex Salisbury, inventor and you can general spouse off Cambrian Investment capital, is for neobanks to access enormous level, so they can spend money on the company on the a nationwide height. Salisbury has just come a unique finance having fintech startups one to invests mostly in B2B fintechs.
Nubank from inside the Brazil, as an example, the most rewarding neobanks around the world, he told you. It has got lured over 45 million customers.
A recent report learned that lower than 5% away from adversary banking institutions try breaking actually. Often such startups be able to get to success just before investors' persistence wears thin?
"How will you rating sensible shipment in the economic characteristics?" he said. "Walmart is the prominent manager in the country." Though the design for its thus-named "extremely software" hasn't been shown out, "he's book shipments and you will an effective device, whereas a number of the other people enjoys good things, not always differentiated along with real attraction."
"There are certain firms that possess battled for some time up to they have gotten to an area in which they may be able comfortably size advertising and carry out national techniques," Salisbury told you. Borrowing Karma, for instance, struck level if this started powering federal Television strategies and operating their consumer purchase cost down.
A number of the market neobanks centering on sets of customers like immigrants would have to provide a differentiated unit otherwise differentiated shipments to progress, Salisbury told you.
"Would I think this type of neobanks try doomed? Really don't think so, especially those having scores of users," Ce told you. "Through the years they might come to earnings."


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Nigerians Caught In Russia-Ukraine War Narrate Ordeals
Information reaching Naija News House says that Nigerians Caught In Russia-Ukraine War Narrate Ordeals
For Josephine (surname withheld), an expectant mother in her third trimester, who by sheer providence escaped the crisis that followed Russia's invasion of Ukraine over a week ago, the experience of the past few days has been her most dreadful ever.
From starving for days to trekking long distances before getting a bus to any of the four designated borders and the sheer uncertainty of getting through the stampede that awaited every fleeing national at the Ukrainian border, Josephine said the ordeal and the degenerating situation in the troubled country could make even the lion-hearted shiver with fear.
The reports of deaths, explosions and mass destruction of buildings and public infrastructure have been heartbreaking, just as the images and videos.
Since February 24 when Russian soldiers launched an offensive against Ukraine on the orders of their President, Vladimir Putin, on both sides, hundreds have been killed, while thousands children and women have sustained varying degrees of injury, including. Yet, there are clear indications that the war might get worse.
Putin had put his nuclear forces on high alert, the Russian forces have continued their missile strikes and reports said the phone conversation between French President, Emmanuel Macron, and Putin on Thursday indicated that the worst was yet to come. Thus, the fate of Ukrainians and other foreign nationals, including Nigerians, have continued to hang in the balance, even though the Russian forces have yet to take control of the Ukrainian capital city, Kyiv.
The Minister of Foreign Affairs, Geoffrey Onyeama, said there were about 8,000 Nigerians in Ukraine, with about 5,600 of them registered. And sequel to the escalated tension, the Federal Government has begun the evacuation of Nigerians from the neighbouring countries. The first evacuation flight arrived in Abuja from Romania on Friday morning, with many more to follow.
But before the evacuation, many Nigerians caught in the tension shared with Saturday PUNCH the ordeal they went through between making their way out of Ukraine and entering the neighbouring countries safely.
Josephine said her experience was more harrowing because she was pregnant and had to be more careful to avoid a breakdown or bring any harm to her unborn child.
She told one of our correspondents on Wednesday, "I lived in Kyiv, the nation's capital and the tension was higher there because it is the major target of the Russian troops. They believe if they can gain control of the capital city, displacing the President, Volodymyr Zelenskyy, would be easier.
"Remember, Putin had called for the Ukrainian military to oust him through a coup, to enable him to influence the emergence of a pliable president. So, I'm happy I made it out of Kyiv alive. Before the issue escalated, I got calls from both home and abroad asking me to leave but I felt it was more dangerous to be on the run and accidentally run into the gunfire or the missiles. That was why I didn't leave on time."
Narrating her torturous but successful journey to the Polish border, she said she summoned courage and fought her way into an evacuation train leaving Kyiv for Lviv when the opportunity came. She added, "By the time I boarded the train, all the seats were occupied, so I had to take a standing position for the six-hour ride. The story is easy to tell now but the experience wasn't easy by any means. It's tough for a physically fit person to stand in a moving bus for six hours not to talk of someone who is pregnant and is in her third trimester."
But that was not the end; she said the journey from Lviv to the Polish border was another stressful one as she spent seven hours on the road. "When I arrived in Lviv, I boarded a bus at 3am going to the border and we didn't get there until 10am," she said. "It took that long because of the heavy gridlock on the way. From Poland, I went further to Hungary and made my way to the Nigerian Embassy in Budapest."
Josephine feared that many Nigerians might be stranded in Ukraine, but she expressed hope that they would escape the attack. On Tuesday, a 22-year-old Indian medical student, Naveen Gyanagoudar, was killed in Kharkiv, Ukraine, when he left the bunker he had been staying in to buy food.
Similarly, no fewer than 47 persons were reportedly killed in Chernihiv on Thursday and Friday following air strikes by the Russian forces on high-rise apartments, clinics and a hospital. Several persons, including three Ukrainian troops, were also said to have been killed following an attack on Ukraine's nuclear plant.
Like Josephine, Temitayo Kolawole said it took her about 24 hours to get to the Polish border and from there, it took her another 24 hours before she could get to a place of rest. "I was on the move for about two days without resting," she said in an interview with Channels TV.
Kolawole, who lived in Zaporizhzhia, said she struggled to make her way to Lviv, where the Ukrainian-Polish border is.
She noted, "From Poland, other African students and I chartered a bus that took us to Hungary, where we met a large crowd. The Immigration officials took their time to screen us to ensure that no one smuggled weapons or any illicit substance across the borders. There was no form of racial discrimination. Only Ukrainian men aged between 18 and 60 were not allowed entry."
Meanwhile, there have been some reports that students leaving Ukraine might lose their studentship and not be able to return to Ukraine, but Kolawole said the school assured them there would be nothing of such.
She said, "Till now we have not heard from them and there is a post going round that there is a possibility that we would be moved to a Polish university. We are not really sure about that. For now, there is no information from my school as regards how we would proceed with our studies. The only information we got was that we could get some psychological help or talk to a therapist, especially for those who were close to the attacks."
While the past few days have been rough for Nigerians fleeing from Ukraine, their compatriots in the neighbouring countries who provided logistical assistance at the borders also described their experience as hectic.
The Chief Financial Officer, Nigerians in Diaspora Organisation, Poland, Mr Isaac Ikotun, said the crowd at the Polish border had made people resort to using other borders. He however pointed out that some Nigerians were still stranded in Ukraine.
He told one of our correspondents, "Since the Polish border has been fully crowded, more people are now making use of other borders, like the Hungarian and Romanian borders because some persons have reportedly spent up to three to four days at that spot in the cold, trying to enter Poland.
"Ambulances were there to help them but it was really bad and there have been reports of preferential treatments given to the Ukrainians and other whites. For instance 10 whites will go through before one black will go but thank God the whole crowdedness has subsided."
On the issue of Nigerians still in Ukraine, he added, "In the night we could get up to 15, 20 or 30 people. However, there are still some other cities in Ukraine that are on total lockdown and there are still a lot of Nigerians trapped there because those cities have really been affected by the missiles launched by the Russians, so everyone is indoors or in their bunkers.
"We are still expecting more people, especially Nigerians, but at the moment, we, the NIDOP executives, have been able to stabilise. The stress is lesser now compared to the first five days."
Speaking further on their interventions, Ikotun noted that NIDOP had rented a two-storey building with 30 beds to accommodate those arriving. "It's already filled up as we speak," he said. "That's courtesy of NIDOP. The embassy is already doing their bit. In cases where there are no spaces for more people, we refer them to the embassy.
"The Polish government has really been cooperative and helpful. They are giving an opportunity to students from Ukraine to continue their studies in Poland and preference will be given to medical students, especially those in their fifth and final year. All they are required to do is to get their transcripts online from their schools' portals."
On how they identify Nigerians among the blacks, Ikotun said, "We give preference to Nigerians and in some cases I even try to identify Nigerians with pidgin English (laughs) and their accent before considering other nationals to join the bus because of the limited space."
He said the organisation had virtually emptied its account and some of them had been using their personal funds for the exercise. "Our Public Relations Officer, Remi (Jimoh) has also spent a lot," he noted. "He uses his company's vehicle for the project and fuels it with his money most of the time. He has been able to provide job for a lot of students as well.
"We posted on Twitter that we needed funds and people have been responding positively from different parts of the world. The apartment that we rented yesterday costs about N1m equivalent."
Also speaking, Jimoh who co-owns Bird HR Agency, said it was good that others joined in assisting Nigerians who crossed into Poland. "We used my company vehicles to get as many people as possible and thankfully NIDOP and the Nigerian Embassy followed suit by sending buses as well.
"We are doing all we can to help. We are in contact with all the other bodies and seeking more volunteers to come and help out."
He said some Nigerians only spent a few days in Poland before moving to other countries, but that he had to accommodate some in the house he rented while his company also helped some students to get jobs, especially those who intend staying in Poland until the crisis was over.
Returnees need counselling – Expert
A psychologist, Prof Oni Fagboungbe, said the traumatic experience the returnees would have been subjected to could not be overemphasised, adding that some could have lost their self-confidence. He asked the government to organise counseling for them.
He added, "The government should come out fully to assume responsibility, organise counselling for them and give them support. Some of them could have left the country for a very long time, so coming back under this circumstance could have its effects. The government should accommodate them, provide everything they need at this time and constantly reassure them that it's a temporary setback and they would still achieve their goals. They need to be encouraged not to drop their determination.
"It's mainly the government's responsibility, but for those of them who may have religious affiliation, their religious leaders should come to their aid, support them psychologically, socially and physically. If care is not taken, some of them might not recover from it in their lifetime because they have witnessed very devastating scenes."
Reacting to the development, a former Nigerian Ambassador to France and Monaco, Mr Akin Fayomi, said the Federal Government did its best in handling the matter because the invasion caught most countries, including Nigeria, by surprise since no one expected a country to invade another without provocation in this modern day.
He however noted that all hands must be on deck to ensure that no Nigerian is left behind.
Fayomi, who is also a former Undersecretary at the Ministry of Foreign Affairs, said, "Indeed there had been warnings, particularly by the United States and United Kingdom, of an imminent invasion. The Americans had intelligence because they have drones and satellites that could see movement of tanks and troops, so they warned, but the whole world didn't take that seriously.
"I am sure about 75 per cent of the countries would think Russia was bluffing and couldn't in this modern day invade a country without repercussions. So, there was no prior reason to ask our people to come back home. Even the US that told its people to leave Ukraine didn't evacuate its citizens; they just gave the warning and asked them to leave. In our case, the war came unannounced; the next best thing was what I think the government did by sending planes to bring them home."
He said government's response was more robust than it was during the xenophobia in South Africa and when Nigerians were attacked in Ghana.
Asked if Nigerians in Russia should also consider leaving since the US asked its citizens to, Fayomi said Nigeria and Russia had good diplomatic relationship and so there would be no need for such
On the lessons from this, Fayomi said, "If a situation like this arises, people's first port of call should be the Nigerian embassy to hide in the compound where the flags are flying and no foreign troop would put its boot in the compound.
"We did that in Liberia and Sierra Leone before evacuation could be done. That means instead of students running helter-skelter, there should be a meeting point; they should run to the Nigerian embassy or the residence of the ambassador, and from there we could do the evacuation. That might have been a neater approach to the process.
"I know the Ministry of Foreign Affairs, NIDCOM and our missions are doing their best. The Director of Consular Affairs in the ministry and the ambassador are also at the border and they have promised not to leave until the last person is evacuated. Next time, we could give them the option of leaving and those who can't, we assist them to leave."
Fayomi expressed hope that diplomacy would prevail eventually in the Russia/Ukraine crisis. He added, "I sympathise with the people of Ukraine and the foreigners caught up, but being a diplomat, I believe in negotiations, mediation and conflict resolution, being the tenets of diplomacy. As the war progresses, negotiations are still ongoing in Belarus. I believe something will happen in the diplomatic arena if the negotiations continue."


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A good piece that answered my question. Nice nuggets like these therein:
A dimmer works by switching the current on and off a huge number of times every second, so the lightbulb is essentially spending fractions of a second 'off', though you can't tell.
Older dimmers used a resistor, rather than switching the current on and off, and so you didn't save electricity – instead, the excess current was converted into heat energy.


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Financial Conduct Authority outlines priorities for the year
Insurance Business America | April 18, 2019
While it might sometimes feel like a very settled market, motor insurance is changing as consumers' needs change. A combination of the social and economic effects of the Covid-19 pandemic, inflationary forces and increased public concern about the environment are altering the way many U.K. consumers use their cars. One consequence of these changes is growing interest in non-annualised policies (NAPs) for motor insurance.
Embroker | February 24, 2023
Embroker, a digital insurance platform that makes it easy to insure a business, just released a new malpractice and cyber bundle that is specifically made for legal practices.
This package, the company's first vertical offering built on its new ONE by Embroker platform, makes it easy for law firms to obtain customized malpractice and cyber coverage.
Ben Jennings, Chief Revenue Officer at Embroker, stated, "Regardless of size, law firms don't just want to 'tick' the insurance box; they need a strategic partner to create products where risk is dynamically modeled and tailored to their biggest exposure areas."
He further added, "This law liabilities and cyber bundle does exactly that, and represents the first of multiple vertical-specific bundles we'll be launching on ONE by Embroker in the coming months."
(Source – Business Wire)
Law companies' databases include massive volumes of personal and sensitive customer data, making cybersecurity breaches severe. After answering a few questions, law firms can identify their coverage needs and receive customized liability and cyber policy quotations. Custom product packaging, level pricing transparency, and one application for various coverages let them receive the proper coverage faster and easier.
ONE by Embroker uses AI and machine learning to synthesize and mix business insurance solutions depending on industry demands, simplifying the insurance buying process. Embroker's ONE by Embroker universal application and strong vertical expertise create a unique, streamlined shopping experience for legal professionals in this law package. It's suitable for companies of all sizes, but those with 25 attorneys or fewer are the most underserved by conventional brokers and carriers.
Due to these expanding concerns, many organizations are now carefully assessing their cyber exposure and adding cyber insurance to their cyber hygiene activities.
About Embroker
Embroker simplifies smart business insurance. It saves time and money by integrating technology and broker knowledge. Embroker, the largest internet insurance broker, wants to improve the $800 billion P&C insurance market. The company services customers in all 50 states from its San Francisco, Chicago, and Boston headquarters. According to Goldman Sachs and CB Insights, it is one of the innovators shaping the future of finance.
Read More
Fortegra | March 03, 2023
On March 2, 2023, The Fortegra Group, Inc., a worldwide specialty insurer and Tiptree Inc., announced a partnership with Adlaur LLC, a newly-formed firm helmed by former Spinnaker Insurance Company executives - Adam Tyburski and Laurence Bunin.
The partnership will let Fortegra use its A- (Excellent) AM Best Financial Strength Rating to offer innovative capacity solutions to leading MGAs and PAs in niche and under-contracted areas across the United States.
Mark Rattner, Executive Vice President and Chief Underwriting Officer at Fortegra, expressed, "We are excited to support Adlaur and its trailblazing approach to program business." He added, "With this independent underwriter bringing company programs that have already been vetted, our strategic relationship will enable Fortegra to continue its growth by efficiently meeting the capacity needs of our MGA partners."
(Source – Cision PR Newswire)
Adlaur's distinctive methodology combines proactive sourcing, rigorous production partner oversight, and reporting, along with complicated reinsurance structuring and economic modeling expertise. The company was established so that property, liability, and specialty lines, all for small businesses, could be evaluated. Primarily through reinsurance broker markets, the industry will be sought out and written on an admitted, excess, and surplus line basis, with an initial emphasis on excess and surplus line programs.
Adlaur can consider per-risk gross limits of up to $2.5 million or net limits of $1 million after reinsurance. Its initial focus will be on lower-limits commercial, specialized personal and specialty lines, and strategic reinsurance for the program business.
About Fortegra
Fortegra and its subsidiaries have provided risk management solutions for over 40 years, helping people and businesses prosper in unpredictable times. Being a global specialty insurer, the company offers a variety of accepted and surplus insurance and warranty products. The company writes admitted as well as non-admitted insurance and insurance-related products worldwide.
Citizens Inc. | February 27, 2023
Citizens, Inc., a diversified financial services company that offers life, final expense, and limited liability property insurance, recently announced that it entered into a new distribution agreement with Amerus Financial Group to expand its white-label program.
As part of the agreement, Amerus will distribute Citizens' life and ultimate expense insurance policies under the Amerus Silver Shield brand. Meanwhile, CICA Life Insurance Company of America, also owned by Citizens, will be responsible for marketing and selling these policies.
The company's goal is to be the market leader in custom-made white-label products and also, Amerus' first-choice partner. Citizens' product experience, service, and capacity to quickly develop new products in several languages make it an excellent white-label partner. Citizens' white-label product, Amerus Silver Shield, will service the life and ultimate expense market with Amerus' experience and dedication to seniors.
"Our partnership with Amerus represents a tremendous opportunity to leverage our unique strengths and shared drive to deliver on the life insurance promise," said Gerald W. Shields, Vice Chairman and CEO of Citizens Inc. He continued, "Both companies are passionate about preparing people for the uncertainty of tomorrow with solutions for today. It is very exciting to work with the top IMOs and agencies to meet the needs of this underserved population. We look forward to working with Tim and his team to develop tailor-made product solutions that address the unique needs of clients."
(Source – Cision PR Newswire)
Tim Baggott, Amerus CEO, expressed, "Citizens, Inc. is the perfect partner with whom to white label our own suite of life and final expense products which fill an ever-widening gap in the market. Beginning with our Silver Shield final expense product offering, Amerus will now be able to offer outstanding coverage for seniors who would otherwise not be able to afford to leave a financial endowment for their loved ones. We are looking forward to expanding our offerings even more going forward as our partnership with Citizens develops."
(Source – Cision PR Newswire)
About Citizens Inc.
Through its insurance company subsidiaries, Citizens, Inc. provides life, ultimate expense, limited liability property insurance, and other financial products to people as well as small businesses in the United States, Latin America, and Asia. The company's unique goods are available in Spanish, Portuguese, and Mandarin as part of the company's customer-centric expansion strategy. Its Life Insurance division is a prominent name in Latin America for whole life cash value insurance policies denominated in U.S. dollars, while the company's Home Services division is a pioneer in the Gulf Coast region of the United States.
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"If it's not written,
it didn't happen"
it didn't happen"
Lonny Holmes, Former SF Medic,
Commits to Printing SF History
By Debra Holm
If you enjoy reading the Sentinel, with its articles featuring various aspects of Army Special Forces history and topics of interest to the community, you really have one person to thank for that pleasure: Lonny Holmes.
The Sentinel was originally edited, designed, and published by Chapter member John Joyce from October 2010 to August 2011. Lonny Holmes, who at the time was Chapter President, made contributions to each issue. John's business obligations forced him to stop his work on the Sentinel.
Lonny, who was still the Chapter president at the time, made the decision to become the Sentinel's editor in February 2012. Having previously held positions as editor of the newsletter for the Association of Physician's Assistants in Cardiovascular Surgery and on the editorial board of a few peer-reviewed journals, he continued with confidence. His confidence was well-founded because he had won accolades and recognition for his efforts in that field.
About Lonny Holmes
Louis (Lonny) Holmes was born in Los Angeles, California. Growing up in Southern California, he surfed the waves of the South Bay in the 1950s and 1960s. On weekends and summers, he spent time at his father's ranch in the Anza Borrego Desert, where he developed a lifelong love of the natural world while observing the wide variety of plants and wildlife of the area.
After two years of college, Lonny enlisted in the United States Army. He completed the Q-course in 1964, becoming qualified as a SF medic 91B/18D, and continuing to maintain the MOS of 05B/18E.
Lonny was initially assigned to Company A, ODA 5, 3rd Special Forces Group as a junior medic. He was headed to Nigeria in 1966 when he received orders for reassignment to D Company, 1st Special Forces Group, Airborne, ODA 432, which deployed to Thailand in October 1966. While there, he began training at the SFOB. The mission was to build a base camp and begin counterinsurgency training of the Royal Thai Army Infantry, and one of Lonny's jobs as senior medic was to train the RTA medics. He also held daily sick call and patrolled in the mountainous rain forest with the training companies
In early 1967, the team redeployed to the SFOB in Lopburi to begin training the Queen's Cobras Battalions, destined for action in South Vietnam. He also helped staff the HQ dispensary awaiting assignment to Jumpmaster school and the 8-week Special Forces Professional Course (recon), which he completed in the summer.
Later that year, he was assigned to ODA 4624 in North Central Thailand to start a counterinsurgency course for the Royal Thai Police.
After nearly two years of Thai mission training and deployment, he was reassigned to ODA 251, Company B, 5th Special Forces Group. Their SF A-Camp, Plei Djereng, was located in II Corps, due west of Pleiku, adjacent to the Laotian border. There he served as medical supervisor of the team, which included providing medical care to all members of the CIDG (5 companies), their families, and local villagers. In camp defense, he manned a .50 cal machine gun, and did combat patrols in our TAOR with the CIDG troops.
In late 1968, he was assigned to II Corps MIKE Force in Kontum as combat operation platoon leader and senior battalion medic. He ran combat missions with companies in Kontum, Pleiku and Bon Son provinces. At the end of this tour, he received the coveted Combat Infantry Badge.
Returning to Thailand, he was assigned to several ODAs working with the Royal Thai Border Police. One of the ODAs established a five-week advanced medical training school at the Royal Thai Police General Hospital. While on this assignment, he worked with and became friends with SF Medic Gary Rose, later serving as the best man at his wedding. When Gary Rose received the Medal of Honor in 2017, Lonny, along with John Stryker Meyer, attended the ceremony at the White House.
Following his discharge after serving as an SF medic for nearly seven years, he returned to Southern California. He attended the University of Southern California School of Medicine, graduating as a physician assistant. He joined the California National Guard, becoming 1SG of the 143T Evacuation Hospital. Lonny was promoted to warrant officer after completion of a surgical residency at Yale School of Medicine and Norwalk Hospital and was assigned back to the infantry.
In the feature film City of Angels, which starred Meg Ryan and Nick Cage, he was a technical advisor and had a small part. His work as the film's advisor was acknowledged in the Journal of the American Academy of Physician Assistants' Fall 2017 issue for its contribution to the accurate portrayal of members of the profession in the media. He was interviewed by the History Channel for the Special Ops: Mike Force television special in 1999. He contributed to The Green Berets, Weapons and Equipment by Crowood Press that same year.
In 2008, Lonny retired. This gave him more time to pursue his passion for photography and the great outdoors, especially birds. He relocated from Southern California to Las Vegas, where he has established himself as one of the best nature photographers in the region, if not the best. Many mornings, Lonny would go trekking and take pictures in the adjacent Red Rock Canyon.
In 2014, he became a member of iNaturalist, an international project launched by the California Academy of Sciences, and, in the United States, National Geographic. Lonny has uploaded 25,512 observations (photos) to the database. Scientists seeking to understand and preserve nature use this database of all species, both flora and wildlife. Lonny's photos have appeared on websites (HawkMountain.org is an example) and in Nevada State Park literature and signage, such as the Nevada Off-Road Naturalist Trail and Mt. Charleston (also known as the Springs Mountains Nation Recreation Area).
Lonny and Chapter 78
Lonny became a member of Chapter 78 in 1992. He became President of the Chapter in 2010 and served until 2013. During his tenure as President, the Chapter was very active in their support of the Green Beret Foundation. The Chapter's famous and very successful Green Beret Shooter's Cup (GBSC) was held in 2011, 2012, and 2013. It was a massive project! Lonny and other Chapter members spent many hours manning booths at gun shows to raise funds for the GBSC as well as to promote the Chapter and raise awareness about the Green Berets.
As mentioned earlier, Lonny also took on the editor position for the Sentinel in the middle of his tenure as Chapter President. The Sentinel started out as a small, eight-page newsletter with occasional stories from members. Starting in January 2015, leading with the article "The World's First Combat H.A.L.O. Jump" by Mike Perry, every issue of the Sentinel contained at least one story that related to the history of Army SF in some way. Lonny worked day in and day out tracking down stories. He knew who had tales to tell, or he was tipped off, and his pursuit of those stories was relentless. He worked on getting one particular story for two years! Throughout the seven years he worked as editor, I often wondered where he found the energy to keep at it. But Lonny's enthusiasm and commitment were boundless. To this day, he still sends tips for stories for the Sentinel.
When Lonny stepped down as Sentinel editor at the end of 2019, he wrote:
"Members of the United States Intelligence Community have told me many times that if it's not written, it didn't happen. This must be one of the reasons that a huge majority of the documents of MACV-SOG in the Vietnam War were destroyed; plausible denial. When I began as Editor of the Sentinel eight years ago my goal was to print stories from Green Berets who fought, trained, and led solders in our conflict. Then I expanded this goal to include all those who supported and helped us in our contribution to carry our orders to defend the United States of America and the countries we supported."
He further stated that results of his efforts were "individual stories are not forgotten and numerous national awards for the SF Chapter 78."
Chapter 78 and the readers of the Sentinel owe Lonny Holmes a debt of gratitude. DOL!
About the Author:
Debra Holm has served as the art director/graphic designer of Chapter 78's Sentinel since February 2012, and is also Chapter 78's webmaster and social media manager.


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A new alternative commercial route to Antarctica from the Chilean city of Punta Arenas avoiding the Beagle Channel and saving several hours sailing has been opened by the Chilean navy with the establishment of a state of the art lighthouse. Read full article
no doubt the royal navy will test it, see how it goes,
it may yet prove very poplar
Hmmm ... new route! Interesting :-)Jul 20th, 2011 - 01:12 am - Link - Report abuse 0
A potential Nail in the Coffin of overpricing and ripping-off of Cruise ships in Ushuaia. Good one Chile.Jul 20th, 2011 - 11:24 am - Link - Report abuse 0
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Chat Avenue
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X-Plane 12, published by Laminar Research, developer by Laminar Research. Game release date 17 Dec, 2022. This game is Simulation category. X-Plane 12 trainer is a support tools not cheat, trainer works on all version. Fling Trainer version 1.3 and compatible with Windows 8, 10 and 11 versions.
X-Plane 12 PC Trainer Installation
Options: +5 (For any version of the game). Unzip the contents of the archive, run the fling trainer and then the game.
Trainer Keys
Ctrl+Num 1
Ctrl+Num 2
Ctrl+Num 3
Ctrl+Num 4
Ctrl+Num 5
Trainer is a free and reliable. Trainer works on windows 8, 10 and 11 versions.


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COLUMN — It's people like these men who make America special
I had another piece written for this month talking about how I feel America is on the brink of a great 21st century decline. I had America joining ranks with the British or Roman empires, great societies, crumbled under their own weight. While I still feel that the leadership of America, (R) and (D), deserves nothing but scorn and contempt, America itself is still a very special place. It's special in spite of its leadership.
I had the great honor to spend a recent weekend on the Naval Air Station in Pensacola, Fla., but I was there for a very solemn reason. A great man, the father of a friend of mine, recently passed away. He retired from the Navy after 26 years in service, working in cryptology. His son is a brother to me, though not by blood,. He carries on his father's legacy in serving this nation. He is a Navy SEAL.
I had the honor to be with other friends I have known my entire life, a band of brothers for sure. I had the honor to meet a SEAL who lost part of his leg in combat, but because of his guts and determination and the help of modern medicine, he is still an active SEAL. I had the honor to hang out with an ex-SEAL, who after serving this country with distinction, left the service for a life with his new wife, something I admire very much. I had the honor to hang out with someone who not only has given 13 years of his life to the Navy, but his wife is active Navy too.
Everyone on this weekend had my friend's father on their minds, and boy did we celebrate him in true Navy style. I saw the awesome power of love throughout this group of men. Though for the most part it's unspoken, it is there and tangible in many ways. This is why America is special in spite of our leadership.
These men who serve our nation are so selfless, so courageous, so caring and, when times warrant it, deadly to those who try and harm us.
My friends who are not in the military are equally magnificent. Their love for me, my friend who lost his father, and the love they show each other, is awe-inspiring. They are great fathers, great husbands, and certainly of the greatest friends this world has to offer. I love them all very much.
This is why America is exceptional, because people like my friends, and the great men I met while at NAS Pensacola. Despite the problems our nation faces, despite the pitiful leadership we endure every day, America is as strong as ever because of its citizens. I see these men who serve carry many burdens and fought so many fights. It's not just out of a respect for country, but it's mainly out of love for those who stand shoulder to shoulder with them. I and my other civilian friends were instantly embraced by this love, and it was reciprocated in kind.
Civilian or military, these men whom I call brothers are the finest people this country has to offer. I am sure you know many who would fit this category. I am honored to have met the people I met, and for a moment share our lives together. I am honored to have the brothers that I continue to have. My love and admiration for them cannot be described accurately here. I am simply a better man because of them and this country is incomparable because there are countless bands of brothers out there, although mine is certainly special.


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Table of Contents
Living in the residential or commercial property: the asset needs to be your main house. There is the risk that, in the midst of your live-in flip, something comes up that makes you move before the home has actually been your main home for 2 years.
That's because you assemble the strategy that guides a residential or commercial property from purchase to sale and guides that home from a seller to a buyer with the intention of collecting a task cost. creating wealth. The actions of wholesaling are as follows. Find a property, organize the price and conditions that work, and assemble a purchase contract.
The buyer buys the property per the terms of the contract you have actually arranged. The buyer is now the house owner, the seller gets paid, and you collect your finder's or project cost.
A REIG is a great investment choice if you wish to own a stake in physical real estate, rather than a REIT, which approves you access to dividends that come from investment in physical real estate. A REIG, potentially, can also be an excellent method to discover how to purchase physical real estate from other members. creating wealth.
Somebody covers the cost of impressive taxes out on a tax lien in addition to any interest and charges. When the home's owner makes their residential or commercial property tax payments, you gather the principal and interest from the state or town. You can buy home tax liens either by buying the real estate tax liens yourself at an auction, or by investing into unique real estate tax lien mutual fund managed by investment business.
Otherwise, if you buy the tax lien at an auction, there's not too much risk since owners generally make up their back payments in 6 months to three years. It is possible that the homeowner will fail to make their payments, which allows the financier to put the home into foreclosure, but this is unusual.
In many cases, investors practicing BURL will even purchase homes outright if the deal is great enough. With many investment techniques out there, there's a real estate financial investment technique out there that will suit your money reserves, threat tolerance, time, and how associated with your investment you desire to be.
It takes self-knowledge to know which technique works best for you and a willingness to experiment. Thankfully, as a real estate financier, you aren't restricted to simply one method since a number of the skills are translatable. That's the appeal of real estate investing: there's something for everyone!.
Yes, Finest methods for earning money in real estate you do not require to have in-depth understanding to make this type of investment. There is no doubt that real estate is one of the finest and the most safe financial investments choices out there that anybody can do. To put it simply, this is a wonderful financial investment for a common man to increase his wealth.
Of course, you can not jump into this type of investment without a method. Or, you can choose from the listed below strategies to make money through this financial investment.
The following are the 5 classes of strategies you can select from depending upon your situation and preferences. Business technique, Beginner strategy, Wealth structure strategy, Financial obligation strategy, Passive technique Here, it's more of a service than a strategy to generate income. This is better for properties present in and.
A few of the popular techniques are: As the name suggests, you discover residential or commercial properties that need restorations. You fix it and resell it for profit. By offering a residential or commercial property an upgrade, its resale worth will increase a lot. You can find properties in that have high resale value. In basic terms, you discover great deals on properties and offer them instantly.
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Retailer: Sears
Minimum amount you need to spend: $26.50 CAD (before taxes)
Duration: Saturday, October 27 - Wednesday, November 14, 2007
What you get:
- Aromatics Elixir
- Deep Comfort Body Butter
- 7 Day Scrub Rinse-Off Formula
- Long Last Lipstick in Sugared Maple
- Different Lipstick in Raspberry Glace
- High Impac Mascara in Black
- Dramatically Different Moisturising Lotion
- Sparkly Skin Body Exfoliating Cream
- LOULOU Magazine Subscription Card - get 60% off a full year of LOULOU magazine
There's no bag with this offer, it just comes in a cute purple box.
image: Sears flyer
Saturday, October 20, 2007
Clinique Bonus Time at Sears!
4 comments:
Any inforatiom on the Aromatics Elixir?
- October 21, 2007 at 10:01 p.m.
it's pretty stinky. very floral older lady scent!
- October 22, 2007 at 6:30 p.m.
I like very few perfumes, but have always liked Aromatics Elixir. I find it earthy, rich, and spicy - reminds me a bit of patchouli. It should be used sparingly.
- October 27, 2007 at 9:28 p.m.
- Unknown said...
This is just superb; you are getting all the amazing products and that too in just $26.50. Clinique coupons are easily available at Sears.
- October 31, 2013 at 1:15 a.m.