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4-Person Scramble JULY 2023 Shotgun Start: 8:30am Cost: $75/player - Please register Entire 4-some! If you don't have your full team put together, you can enter "To Be Determined" for the undecided player and then contact us once you know your full team Includes: Golf, range balls, 3 drink tickets, lunch and prizes. We use the Peoria System for handicaps so bring a fun group because the winning score is fairly random. |Event Date||07-15-2023 8:30 am| |Event End Date||07-15-2023 2:00 pm| |Cut off date||07-14-2023 12:00 pm|
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2023-09-27T12:16:16Z
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Free Delivery on online orders for in Winnipeg! (some exceptions apply) Please select all options. Delivery/pick up date: Special instructions for our designers. We will make every effort to fulfill your request, however will not be contacting you should we not be able to accommodate the special request. Two cymbidium orchid blooms, are artfully arranged with a rose, eucalyptus, and fresh grass. We only use the freshest flowers available on the day your gift is created, therefore color variations will occur. Meet the Farmers Substitution Policy Delivery Information
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2023-09-27T11:50:59Z
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BYU has been granted an at-large bid to the 2012 NCAA Tournament. The 25-8 Cougars were awarded with a 14 seed, and will play 14-seeded Iona (25-7) in a play-in game in Dayton, Ohio on Tuesday, March 13th. The game is scheduled to tip at 7:10 pm MT and will air on TruTV. The winner advances to play 3-seed Marquette in Louisville, Kentucky on Thursday, March 15th. The Iona Gaels are a surprise at-large bid into the tournament, and boast Scott Machado, the nation's leading assist man with 10 assists per game. Of note, President Obama and British Prime Minister David Cameron are slated to be in attendance in Dayton on Tuesday. The bid marks BYU's sixth-straight NCAA tournament bid, coinciding with the six-straight years of 25 wins or more. Last year marked the first time since 1981 that BYU was able to advance past the second round. The Cougars currently hold the mark for most NCAA tournament bids (26) without a Final Four appearance. BYU and Iona were slated as the very last two teams invited to the tournament. Notable bubble teams over which BYU was selected include Washington, Marshall, and Drexel. Upon announcement of the matchup, CBS Sports bracket guru Jerry Palm suspected that the two may have been moved down a seed in order to get BYU in a Thursday/Saturday bracket. Stay tuned to Vanquish The Foe for full coverage of BYU's NCAA Tournament run. PRINT THE SLEEK SB NATION TOURNAMENT BRACKET FOR USE IN ALL YOUR POOLS.
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2023-09-27T12:07:13Z
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Oscar Eau de Toilette Known for his mastery of high fashion, iconic designer Oscar de la Renta brings that same prowess to his Eau de Toilette. Its intoxicating blend of peach, gardenia, rose, honey, cedar, sandalwood, and moss gives this elegant, spicy floral fragrance an air of sophistication and class that turns any occasion into a red carpet moment. - Created by renowned fashion designer Oscar de la Renta - A spicy floral fragrance that’s both sophisticated and elegant - Top notes: peach, galbanum gardenia, and bergamot - Middle notes: rose, honey, orris, and cyclamen - Base notes: cedar, sandalwood, moss, and benzoin - 1.7 oz. spray bottle - Made in France - Available only in the contiguous 48 states For more shipping rate information, click here for our rate table.
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2023-09-27T12:52:03Z
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Who is Father Nathan Brooks? Father Nathan Brooks, 36, of New York’s Diocese of Syracuse, has been arrested on charges of sexual abuse, including that of a minor, for alleged incidents from 2019 to 2022. Charges include endangering the welfare of a child, forcible touching, and sexual abuse in the third degree. It is believed he has groomed many children. What we know to be true of child sexual offenders is where there is one victim, there usually are more. Brooks works with four churches: - Church of the Nativity at St. Joseph in Lafayette - Immaculate Conception in Pompey - St. Leo in Tully - St. Patrick Mission in Otisco. You are not alone. Andreozzi + Foote lawyers offer experience and a trauma-informed approach when seeking justice for our clients. How Can A Civil Lawsuit Help Victims Seek Justice For The Trauma They May Have Experienced Father Nathan Brooks? There are many misunderstandings about why a survivor of sexual abuse would choose to file a civil lawsuit. Child sexual abuse takes away so much from the survivors and families impacted. Our society still struggles to find ways to repair the harm done by individual perpetrators and institutions that have covered up child sexual abuse. Outdated statutes of limitations across our country leave far too many survivors denied access to our criminal or civil justice courts. Filing a civil case can be an essential step for survivors and their families in their journey to slowly rebuild their lives and create pathways to healing. Motivation for filing a civil suit is often questioned and unfairly stereotyped as being “all about money. Filing a civil lawsuit can cast survivors as “money hungry” and is weaponized to shame and blame them even more. This couldn’t be further from the truth for survivors of child sexual abuse. The civil justice system offers victims more than just monetary benefits. It gives survivors access to justice, validation, exposure, confrontation, and ultimately some resolution. The resolution allows survivors of sexual abuse to understand and process what happened and create a new path forward without confusion, questions, and fear. Can I File A Lawsuit Against the Diocese of Syracuse? Yes. You may have rights if you were a victim of Father Nathan Brooks while he was employed at the New York Diocese of Syracuse. Andreozzi + Foote is the leading sexual abuse law firm in New York. Don’t hesitate to contact us today to discuss your possible legal rights. We know it can be hard to talk about these experiences. Our compassionate school sexual abuse lawyers are here to listen and provide knowledgeable legal guidance. We provide free, confidential case evaluations where you can learn more about your rights and options under your state’s laws. Contact us 24 Hours A Day, 7 Days a week.
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If Marcus Lemonis's Camping World was a pimple, Camping World, Oakwood Georgia would be the head. The dictionary's definition of idiot, "a person of low intelligence" well....the dictionary needs to be updated again. Corey, (service department person) called my husband this morning. "Mr. Walden you have a brand new refrigerator and a brand new door on your camper, you can come and pick it up." My husband drives to Camping World, picks up our brand new camper for a third time in four short months we have owned it, brings it home, opens the door that was not replaced, looks at the same broken refrigerator that was not replaced and immediately every hair on his head stands up, jugular veins pop out, rips out his cell phone....gets this Corey on the phone ( I assume must be Catholic) because he starts confessing to my husband...."I lied to you Mr. Walden." Now, you see why the dictionary needs to come up with a better word than idiot. I asked my husband on the way home from work why on earth would you believe anything that anyone at Camping World says, why did you not examine the amazing repair work before bringing that camper home. I would not believe ANYTHING anyone at Camping World says unless Jesus was standing there holding their hand and personally telling me they are telling the truth. These people could not breath on a glass much less repair a brand new camper for a THIRD time in less than four months. This mess has gone on way too long. Name: Kathy Walden
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Bowker Creek Initiative The Bowker Creek Initiative coordinates improvements to the Bowker Creek watershed. Bowker Creek is about 8 kilometres in length, beginning at the University of Victoria and flowing through Victoria, Saanich and Oak Bay before discharging into the ocean. The Bowker Creek Initiative is a broad coalition of community, government, businesses and institutions who work collaboratively to protect and enhance the ecological, social and economic health of the Bowker Creek watershed. In 2011, Council endorsed the Bowker Creek Blueprint: A 100-Year Action Plan to Restore the Bowker Creek Watershed (also supported by Saanich and Oak Bay) to provide guidance to manage and restore the watershed and the creek corridor over the next 50 to 100 years. It is the Bowker Creek Blueprint's 10 Year Anniversary and the City has made significant progress improving the watershed, including the creation of: Daylighting Feasibility Study Over the last 200 years, the Bokwer watershed was changed from its natural state to accomodate agricultural use and a current mix of residential, commercial and institutional uses. Much of the original creek channel has either been straightened or enclosed in underground pipes. Today only 2.9 km of the 7.9 km creek flows above ground with the entirety of the creek that runs though Victoria being piped underground. The City is exploring opportunities to bring sections of the waterway above ground to help return the creek back to a naturalized condition. Restoring the waterway will improve the ecological health of Bowker Creek and provide a natural amenity for our communities to enjoy. Read the report that went to Council in Feb 2021 to learn about Bowker Creek Initiative progress and updates to the Bowker Creek Blueprint.
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2023-09-27T11:39:07Z
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A sherbet punch recipe made with lime or orange sherbet, lemonade, pineapple juice, and 7-Up. Serve this delicious non-alcoholic ice cream punch for a Christmas brunch or holiday party. This punch would also be appropriate served for a baby shower or wedding shower. It is a fun and festive drink to serve at a children’s birthday party. The sherbet ice cream melts into the punch and gives a creamy flavor that is offset by the fizzy 7-Up. Use it as a party punch when you will have at least 6-8 people over and will not be having a heavy meal. Because of the ice cream in this beverage, it is a bit heavier of a drink. Serve with lighter appetizers. This ice cream punch makes about 30-6 ounce servings. Sherbet Punch Recipe Sherbet Punch Recipe - 2 12- ounce lemonade concentrate - 5-6 cans of water - 1/2 can 46-ounce pineapple juice (about 23 ounces) - 1 cup sugar - 1 bottle of 7-Up 1 liter, pre-chilled - 1 pint of frozen lime or orange sherbet - Pre-chill all ingredients. - Mix lemonade, water, and pineapple juice, and sugar in a large punch bowl until dissolved. - Slowly pour in 1 bottle of 7-Up or other clear carbonated sweet soda. - Place scoops of lime or orange sherbet on top of the punch and this sherbet punch recipe is ready to serve. The ice cream will melt in to the soda and also works to keep the drink cold without the use of ice. More Punch Recipes Fetch Rewards Referral Code: MXUXXAre you ready to save money on your grocery bill and earn gift cards from your efforts? Use my Fetch Rewards Referral Code MXUXX and get 2,000 points. It’s a free app that turns grocery receipts into rewards. Click here to read my Fetch Rewards review on how it works. Just scan any grocery or gasoline receipt, and earn points towards awesome rewards. You’ll earn on all matched brands and products and gain access to exclusive offers that earn you even more points. No more entering codes, completing tasks or jumping through any hoops! Just scan your grocery receipt, and get rewarded. Click here to download the FetchRewards app. Use my Fetch Rewards Referral Code: MXUXX You can find more money saving referral codes here: Referral Code Master List Warm Cider and Rum Punch Orange Punch Recipe Champagne Punch Recipe Party Punch Recipe Fruit Punch Recipe Non-Alcoholic Cherry Strawberry Kool-Aid Punch With Ginger Ale Fruity Rum Punch Recipe Festive Christmas Punch Recipe
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2023-09-27T12:15:56Z
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CAMPAIGN: Burnside's North Carolina Expedition DATE(S): February-June 1862 PRINCIPAL COMMANDERS: Major General John Parke [US] Lieutenant Colonel Moses White [CS] FORCES ENGAGED: 0 total (US 0; CS 0;) ESTIMATED CASUALTIES: 442 total (US 3; CS 439;) In late March, Maj. Gen. Ambrose E. Burnside's army advanced on Fort Macon, a third system casemated masonry fort that commanded the channel to Beaufort, 35 miles southeast of New Berne. The Union force invested the fort with siege works and, on April 26, opened an accurate fire on the fort, which soon breached the masonry walls. Within a few hours the fort's scarp began to collapse, and the Confederates hoisted a white flag. This action demonstrated the inadequacy of masonry forts against large-bore, rifled artillery. RESULTS: Union Victory
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2023-09-27T12:13:53Z
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The massive query everyone faces is when the most effective time to go to this city is. There is no such thing as a one answer to this as each season brings it’s personal allure. For some, the vacationer season is not going to be pretty much as good when issues change into costly and the place crowded than an off season when things are comparatively cheaper and one would not have to face on long queues for getting into monuments and museums. There are a number of excellent hotels and places to remain however it’s advisable to guide a room beforehand. Once inside town, there are various options accessible to you for moving in the metropolis. The town has one of many largest and probably the most efficient sub city rail transport community which is the main transport means for individuals. A formidable public bus system can be available for the local individuals and visitors, and buses reach to all the foremost points in the metropolis. Taxis in Mumbai are quite cheap and can be found very simply, and it’s the most most popular means of motion for visitors. Auto rickshaws additionally ply the streets of Mumbai and are the most affordable means of transport. Native Philippines is your travel buddy. People say that seashore holidays are an ideal option of having a break from our routine life. After following similar routine for months, individuals feel boredom and so they need a method to eliminate this monotonous life. In such instances, isn’t it a cool concept to pack your bags and head in the direction of the Caribbean where you’ll discover essentially the most great seashores in world? It goes with out saying that for an avid wildlife adventurer, Bhutan packages that showcase the nation’s magnificent fauna could be a dream come true. Many Bhutan travel businesses offer opportunities for organized Bhutan travel which include 5 star lodge lodging, four meals, lodge and airport transfers, English-speaking tour guides and transportation for less than $300 a day all inclusive. So the subsequent time you are all set to plan a vacation, why not come to the fairy kingdom of Bhutan and take a look at what you have got been missing. There is not going to be any communication complexities. All major cruise companies have official websites, that are good locations to start. Typically, when there’s no intermediary, you will get the bottom fare on your cruise. However, this is not at all times the case, so store round. Travel-primarily based web sites might provide even better deals than you may get instantly from the cruise firm. Fresno, California is among the most populated urban cities throughout the San Joaquin Valley. The fertile soil in the region is especially used for the manufacturing of agricultural crops resembling vegetables and fruit. For one thing slightly more adventurous, head to Dive HQ and study to dive or if time is of the essence, take one among their organised snorkelling & diving trips. These guys may take you kayaking and present you the delights of Whitianga Harbour and Cathedral Cove. Which is why dealing with a human travel agent guarantees this travel skilled will dedicate on their own to the task of constructing sure your journey works to your own specs and you get to your destination ready to conduct enterprise and be successful in your reaching ones ambitions.
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2023-09-27T12:06:31Z
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Follow us on Twitter.com/ChiSouthlandPR Check out our NewsRoom on our blog for current news releases. Lansing, Ill. – Danielle Sparavalo was recently hired by the Chicago Southland Convention & Visitors Bureau as the Marketing Manager. In her new position, Sparavalo will utilize social media and e-marketing platforms in conjunction with other media to market the Chicago Southland as a unique, convenient and affordable destination. She will also plan and execute a variety of CVB special events and activities. Sparavalo has worked in a variety of marketing and communications positions in the Chicago area including Marketing Coordinator at Lisa Grant Orthodontics in Homewood, Ill., and Media Research Editor with Cision, a public relations services firm in Chicago. She graduated from Purdue University Calumet, Hammond, Ind., with a Bachelor of Arts in Public Relations. “I look forward to increasing engagement and reach with potential visitors through all of our social media channels,” said Sparavalo. “With such a great variety of attractions, festivals, restaurants and hotels, we have an incredible destination for all types of visitors. “Danielle is a great addition to our already strong marketing and communications team,” said President/CEO Jim Garrett of the Chicago Southland CVB, “Her passion and experience will allow our marketing programs to take the next step and attract more visitors to the Chicago Southland.”
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2023-09-27T12:34:44Z
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Join us for the 2016 Zoo Do! Dancing under the stars, beverages of all varieties, heavy hors d'oeuvres prepared by three local catering companies and a silent auction -- all taking place in the most unique party venue in Roanoke. Enjoy an evening of with friends old and new while learning about Mill Mountain Zoo's critical work to enrich the Southwestern Virginia region, fostering awareness of the urgent need to protect wild animals, to conserve natural resources and to preserve animal habitats, locally and globally! Interested in tickets? Call (540) 343-3241 today!
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2023-09-27T11:10:55Z
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In this intuitive songwriting workshop we will explore ways to open the creative taps, let ideas flow, and shape ideas into song. We’ll use exercises and games to get limber with observation, rhythm, lyric, and melody, and build a simple, memorable song. My goal is to guide the group through a successful creative experience, so participants can feel the joy of spontaneous music making. Myshkin Warbler is a US born artist best known for three decades of recording and touring her original Jazz/Folk music with her band Ruby Warblers, and for politically potent multi-media performance pieces. She immigrated to Scotland in 2023 on a global talent visa, settling in Sutherland. These workshops are free to attend but booking is essential. There are two times to choose from; 1pm | 5-8 year olds 2.30pm | 9-12 year olds Transport and Parking The content of many of our web listings is provided by third party operators and not VisitScotland. VisitScotland accepts no responsibility for (1) any error or misrepresentation contained in third party listings, and (2) the contents of any external links within web listings ((1) and (2) together hereinafter referred to as the "Content"). VisitScotland excludes all liability for loss or damage caused by any reliance placed on the Content. The Content is provided for your information only and is not endorsed by VisitScotland.
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"Città della Pace" International Tournament 33 years of sport, friendship and solidarity among young athletes Rovereto "City of Peace" celebrates Easter at full sport and sends a message of friendship, encounter and exchange between nations. In 2020 we celebrate the 33rd edition! All the athletes will be welcomed by the organizing committee and the Junior Team that will accompany all the hosted nations and will manage the logistics, infopoints and the press and communication department. Soon the complete programme of the event.
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2023-09-27T11:19:19Z
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Not into turkey? You could just fill up on mashed potatoes and green bean casserole during your Thanksgiving feast. Or, you could whip up this delicious, nutritious and satisfying vegan Thanksgiving main dish. With veggies, hemp tofu, flavorful seasonings and pistachios for a bit of crunch, this stuffed acorn squash recipe will make you completely forget about the big bird at the end of the table. It might even catch the eyes of a few meat lovers. 2 acorn squash, cut into halves (4 total) and center scooped out 1 cup pistachios 4 cups hemp tofu 2 large fennel bulbs, sliced 3 cups Portobello or cremini mushrooms, diced 1 onion, diced Thyme, to taste Sage, to taste Rosemary, to taste Pinch sea salt Freshly ground black pepper, to taste Extra virgin olive oil Balsamic vinegar, to drizzle Fresh cranberries, optional Crushed red pepper, optional, to taste - Preheat oven to 350 degrees F. - In large skillet over medium heat, heat olive oil. Sauté hemp tofu, fennel, mushrooms, onion and spices until lightly browned. Stir in pistachios and remove from heat. - Stuff squash with veggie-nut mixture. Add cranberries if using. Drizzle balsamic vinegar and olive oil over squash and bake approximately 25-30 minutes. - Add crushed red pepper to taste, if desired.
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2023-09-27T13:02:10Z
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About Sinhee Bae DDS Dr. Sinhee Bae, DDS is a health care provider primarily located in Virginia Beach, VA, with another office in EVERETT, WA. Her specialties include General Dentistry. LocationsDr. Sinhee Bae has 2 locations Dr. Sinhee Bae has the following specialty Insurance Plans Accepted by Dr. Sinhee Bae Be sure to verify insurance information directly with your doctor's office, as it may undergo frequent changes. FREQUENTLY ASKED QUESTIONS
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2023-09-27T11:51:27Z
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VMUTS: Possibly the Most Diverse Trail System in Ontario! Located in Northeastern Ontario, the VMUTS (or Voyageur Multi Use Trail System) is unlike any trail network you’ll find in Ontario. Despite the V standing for “Voyager”, it should really represent Versatility, because that’s what makes it so unique. Catering to all aspects of the off-road community, you’ll find ATV’s, side-by-sides, dirtbikes, mountain bikes, 4×4’s and even horses out on these trails. The more traditional trail system cater to one or two disciplines and anything else is off limits, but not at VMUTS. Here, they have an all-inclusive attitude to off-roading! Nestled in a highly scenic area between historical Algonquin Highlands and Laurentian Mountains, VMUTS is bordered by both the Mattawa and Ottawa Rivers in Mattawa Voyageur Country. Stretching over 300 kilometers, this off-road mecca is located just a short distance from downtown Mattawa, making overnight trips an enticing option. In addition to versatility, the actual trails themselves are another benefit of riding VMUTS. There’s something for every skill level with wide open fire roads for beginners to steep rock faces, deep mud bogs and technical river crossings for the more advanced riders in search of a challenge.
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2023-09-27T11:35:04Z
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Health Care Alert: Federal Court Strikes Down DOL’s New Companionship Services Exemption Regulations New U.S. Department of Labor (DOL) regulations concerning the companionship services exemption to the minimum wage and overtime requirements of the Fair Labor Standards Act (FLSA) were scheduled to take effect on January 1, 2015. There are two primary components to these revised regulations. The first provides that third party employers of direct care workers will no longer be permitted to claim the companionship services exemption. Thus, the exemption would be available only to individuals and families who employ workers directly rather than through companies or agencies. Second, the new regulations include a revised definition of companionship services that is so restrictive that it may effectively extinguish the companionship exemption altogether. For example, under the new definition, if an employee performs any domestic services during a workweek that are primarily for the benefit of other members of the household (e.g., making dinner for the entire family or doing laundry for another member of the household), the exemption is lost for that week. Also excluded from the exemption are employees who perform any medical tasks that typically require training and are performed by medical personnel (e.g., catheter care, turning and repositioning, ostomy care, tube feeding, treating bedsores, and physical therapy). Also, an employee who provides “care” (e.g., dressing, grooming, feeding, bathing, toileting, transferring, meal preparation, driving, light housework, assistance with taking medications) for more than 20% of the workweek loses the exemption for that week. On December 22, 2014, the U.S. District Court for the District of Columbia struck down the first component of the new regulations. The court ruled that prohibiting third party employers from taking advantage of the companionship exemption was inconsistent with the FLSA. On December 31, 2014, the court issued an order staying enforcement of the second component of the new regulations (the restrictive definition of companionship services) until January 15, 2015. On January 14, 2015, the court struck down the second component of the new regulations. The court ruled that Congress did not delegate to the DOL the authority to redefine the companionship exemption. The Court noted that the DOL’s definition of companionship was so restrictive that, for all practical purposes, it would have written the companionship exemption out of existence. The court’s rulings are good news for third party employers of direct care workers. These rulings mean that these two components of the new DOL regulations never went into effect on January 1, 2015, and that employers may, at least for now, continue to take advantage of the minimum wage and overtime exemptions for companionship services as they have in the past. However, because the DOL has indicated that it plans to appeal the court’s rulings, employers should continue to stay closely apprised of developments in this area. For example, it is possible that the DOL could seek an emergency stay of the lower court’s rulings. If granted, this could mean that the new regulations would go into and remain in effect until the appellate court ultimately ruled on the DOL’s appeal. Employers can take some comfort in the fact that, in October 2014, the DOL announced that it will not bring enforcement actions under the new regulations until July 1, 2015. However, if there were an appellate court ruling reinstating the new DOL regulations prior to July 1, 2015, the DOL’s non-enforcement stance would not prevent individual employees or a group of employees from bypassing the DOL and suing an employer directly in court under the new regulations prior to July 1, 2015.
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When Netflix dropped the first season of 13 Reasons Why last summer, it had a genuine hit on its hands. It also had a major controversy. The second season attempts to move away from the controversy, and fails. Nevertheless, Netflix announced on Wednesday that the show will be returning for a third season. Based on a 2007 YA novel by Jay Asher, 13 Reasons Why tells the story of a 17-year-old girl named Hannah who dies by suicide, leaving behind 13 audio cassette tapes for 13 of her classmates on which she explains exactly why she blames them for her death. And while the first season was critically lauded for its addictively propulsive storytelling and the smart way it thought about the by turns intimate and vicious friendships of adolescence, it was also accused of dangerous storytelling for its decision to show Hannah’s rape and her subsequent suicide in graphic detail. “13 Reasons Why is trauma porn parading as woke media & I’d advise anyone considering suicide, ESPECIALLY teen girls, to stay far away from it,” writer Laura Zak tweeted. One suicide expert says Netflix hired him to review the series before it came out to guide its release. He told them that it shouldn’t come out at all, he says, “but that wasn’t an option. That was made very clear to me.” A study published last fall found that Google searches about suicide — including “how to commit suicide” — spiked after the show’s release. At least one school district reported a rise in self-harm after the series aired, and there appears to have been at least one copycat death. All of which means that shortly after the release of its first season, 13 Reasons Why was officially a critically acclaimed hit that experts suggested could also lead to the deaths of children. So Netflix had some damage control to do going into the show’s second season, which premiered on May 19. And it seems to have developed a three-pronged approach in response. First, Netflix commissioned and published a study from the Center on Media and Human Development at Northwestern University, which focused on the good the show did by sparking a conversation among teens about rape and suicide. Second, it added a spoken trigger warning to the season premiere, added content warnings to the episodes that include graphic violence and sexual assault, and advertised resources for viewers who might be struggling with suicidal ideation at the end of each episode. And finally, the show made an effort in its second season to discuss all the reasons suicide is not the answer for troubled teens. But that strategy couldn’t quite make up for what the second season revealed, which is that 13 Reasons Why is not fundamentally interested in starting a conversation. It’s interested in shocking, and it does not care how cheaply it might go about creating that shock. In its second season, 13 Reasons Why abandons one harmful myth only to embrace another. Please be advised that this piece contains graphic discussion of rape and suicide. Spoilers for 13 Reasons Why season two follow. Netflix commissioned a study on all the ways 13 Reasons Why started a conversation. It didn’t look at the bigger questions. Northwestern’s study of 13 Reasons Why, written by three professors with backgrounds in communications and psychology, seems to show that it was by and large beneficial. “13 Reasons Why resonated with teens and young adults, and they felt it was beneficial for them and people their age to watch,” concludes the study, which draws on surveys of more than 5,000 teens, young adults, and parents in four regions of the world. Moreover, the study adds, viewers “reported helping others and engaging in other empathetic behaviors after watching.” Most importantly, the study argues, 13 Reasons Why created a conversation. “Adolescents reported that the show helped them feel more comfortable talking about these difficult topics [bullying and mental health] with friends, parents, counselors, and teachers,” the study said. That’s also the stance that the show takes internally, in a meta-conversation in the ninth episode of the second season. The tapes Hannah made in the first season have just been made public by our hero, the aggrieved and righteous 17-year-old Clay, and the school principal is scolding him for it. “Suicide contagion is a real thing,” the principal says, “and we need to take steps to protect you kids.” “I don’t understand,” says Clay. “How does silence protect us?” The idea is that it’s important for us to confront the problem of teen suicide and teen sexual assault head on and to not turn away from it. Silence, 13 Reasons Why argues, is the real killer. But few of the experts who criticized 13 Reasons Why’s first season have suggested that silence is the answer. Rather, they’ve suggested that the show is framing an important conversation irresponsibly. “None of the criticism of 13 Reasons Why means that we shouldn’t talk about suicide; we should. In fact, it’s critical that we do,” wrote mental health advocate Mark Henick in an impassioned editorial for CNN last year. “But we need to do it right. We know that contact-based education — when people share their personal stories of struggle and recovery — is by far the most effective way of breaking down stigma surrounding suicide, which is the primary reason people don’t speak up or get help.” In contrast, Henick argued, shows like 13 Reasons Why — in which a girl who dies by suicide is celebrated as a heroine and her death is shown in explicit detail, and none of the people to whom she reaches out, including her school counselor, are equipped to help her — can do more harm than good. It can create the idea that suicide will lead to a kind of popular immortality, and that sometimes it’s the best solution to a problem. Anecdotally, the teenagers in my life certainly seem to have taken the lessons Henick feared from the show. When the first season came out, a good friend of mine was a school counselor for eighth-graders, and she frequently seethed over the show’s popularity among her students. “All my kids took away from that show is that sometimes suicide is the only answer, and that if you have a problem, you shouldn’t talk to a male counselor about it,” she said. For her, the show did prompt a conversation, but it was one of damage control: She had to undo the lessons that her students were coming away with. “I don’t think we can conclude, based on this study, that watching 13 Reasons Why is more beneficial than harmful,” said Regina Miranda, a professor of psychology at Hunter CUNY who specializes in suicidal ideation, in an email to Vox. The issue, she said, is that the study does not appear to examine the show’s effects on viewers who are struggling with suicidal ideation. “The question, ‘Who might be harmed by watching this show?’ goes unanswered,” said Miranda. “The show might be beneficial to people who are not vulnerable to suicidal behavior or who can be proactive about seeking help, but either not beneficial or harmful for teenagers and young adults who are thinking about suicide but unlikely to disclose their suicidal thoughts or seek help.” That is not to say, she added, that 13 Reasons Why is definitely harmful. Most of the research on suicide contagion focuses on the results of media coverage of actual suicides. There’s much less conclusive data on the effects of graphic depictions of fictional suicide. “We don’t know from empirical research whether watching 13 Reasons Why makes young people more suicidal,” Miranda said. But, she added, “contemporary theories of suicide suggest that people who are thinking about suicide are more likely to act on their thoughts when they can no longer tolerate their distress, when they can’t disengage from their suicidal thoughts, and when they have acquired the capacity to kill themselves.” The theory among experts is that shows like 13 Reasons Why teach people with suicidal ideation to keep returning to the idea of suicide, and to continually engage with it and become comfortable with it. “To the degree that watching fictional depictions about suicide prevents vulnerable youth from disengaging from their suicidal thoughts, keeps them thinking about how they would kill themselves, and gets them used to the idea of suicide as an option,” Miranda said, “it potentially makes them vulnerable to acting on their suicidal thoughts when they can no longer tolerate or think of other ways to escape their distress.” The Northwestern study works to reframe the show as a dialogue starter, but it doesn’t successfully rebut the arguments made against the first season. In season two, 13 Reasons Why tries to offer the “reasons why not.” It doesn’t quite land. That said, 13 Reasons Why’s second season offers another chance for the show to take some of the advice offered after it first aired. “The show should avoid the suggestion that suicide is the only option and encourage disclosure and help-seeking — maybe by showing instances in which help-seeking works,” Miranda suggested, quipping, as one of her colleagues said, that it could show viewers “13 Reasons Why NOT.” She specifically criticized the scene in the first season in which Hannah goes to her guidance counselor for help and is rebuffed. “While the intention was to create a dialogue around accountability, which is important, it also potentially sends the message to suicidal youth that help-seeking won’t work and that suicide is the only option,” Miranda says. “Suicide is not the only option.” And in its second season, 13 Reasons Why does work to show its suicidal characters reaching out for help and receiving it. It shows the guidance counselor who failed Hannah in season one working proactively to help unstable students in season two. And it does, very literally, offer its viewers reasons why not. In the season finale, Hannah’s mother offers Clay a list that she found after Hannah’s death. It’s titled “Reasons Why Not,” and there are 11 of them. “She came up just short,” says Hannah’s mother. “But she left so many out. You know that, don’t you? You know that no matter how many reasons there might be why, there are always more why not.” It’s a scene that was clearly added to the show in an attempt to appease critics of the first season, one designed to remind viewers that they have things to live for. It’s also a remarkably clumsy scene that rings false in the moment and feels unlikely to convince anyone, including those struggling with suicidal ideation, that there are lots of things for them to live for. That’s because this show isn’t really interested in providing its viewers with things to live for. It’s interested in being shocking and provoking, and what happens two minutes after the “reasons why not scene” provides a jarring reminder of that fact. After abandoning the suicide myths of the first season, season two embraces another harmful cultural myth The second season of 13 Reasons Why is plotless and unfocused, with very little happening from episode to episode until the season finale, about two minutes after Clay’s tearful conversation with Hannah’s mother. That’s when Tyler, the creepy school nerd who is trying to redeem himself from his practice of stalking and photographing girls without their consent, is attacked by one of the school bullies in the bathroom. The bully brutally sodomizes Tyler with a broom handle, in a scene that’s much more graphic than the rape scenes of the first season; you see the bloody broom handle at the end. Then Tyler goes home and collects an arsenal of guns, and goes to the school with the intention of slaughtering his classmates and then himself at the school dance. It’s only when Clay is able to talk him down with a tear-filled speech about the power of friendship that Tyler relents. In an interview with Vulture, showrunner Brian Yorkey defended the graphic rape scene, citing the show’s ability to start a dialogue. “We’re committed on this show to telling truthful stories about things that young people go through in as unflinching a way as we can,” he said. “We fully understand that that means some of the scenes in the show will be difficult to watch. I think Netflix has helped provide viewers with lots of resources for understanding that this may not be the show for everybody, and also resources for people who do watch it and are troubled and need help.” Yorkey is right that there are few TV shows on right now that deal with the problem of the sexual abuse of boys and men, and a careful, sensitive investigation of that problem — like, for instance, American Crime Story’s second season — could do important artistic and social work. But the fact is, 13 Reasons Why’s sequence is not “a truthful story.” The rape is played for shock, not for empathy, and it pushes Tyler into destructive acts that alienate him from the audience’s sympathy. Moreover, it reinforces the myth that school shooters are the victims of bullying pushed to the breaking point and lashing out against their tormentors, and that if their peers had just reached out to them, they might have prevented the shootings. And it reinforces that myth just months after the school shooting in Parkland, Florida, inspired a national conversation about how that’s not the case. The myth seems to have emerged in the wake of the Columbine High School shooting in 1999, when the narrative was that the shooters were ostracized by their peers and fighting back against their bullies. But, as Stephanie Chen wrote for CNN, that’s not the case. In fact, there’s little evidence that the shooters were ever bullied. They had their own circle of friends, never discussed having been bullied in their diaries, and did not target their school’s popular jocks. They were looking for fame. “They wanted to bomb their school in an attack they hoped would make them more infamous than Oklahoma City bomber Timothy McVeigh,” Chen writes. After Parkland, some commenters suggested that that shooter, too, lashed out because he was bullied. The students of Parkland, the American Spectator wrote, “bullied a kid, taunted him. Because, like, you know, he deserved it. He was so weird.” It was an argument that Parkland student Isabelle Robinson refuted strongly in a New York Times op-ed titled, “I Tried to Befriend Nikolas Cruz. He Still Killed My Friends.” “No amount of kindness or compassion alone would have changed the person that Nikolas Cruz is and was, or the horrendous actions he perpetrated,” Robinson wrote. “That is a weak excuse for the failures of our school system, our government and our gun laws.” It’s an excuse that 13 Reasons Why embraces wholeheartedly with Tyler’s plot, all the while claiming that it’s a show that dares to confront hard truths when no one else will. The rape and school shooting plot is not about confronting hard truths. It’s about the titillating spectacle of Tyler’s pain and humiliation, the thrilling shock of seeing him threaten the school, and the catharsis of his subsequent surrender to the heroic Clay. It’s a cheap plot line that relies entirely on shocking the audience to do its work, and in the process, it reinforces harmful and dangerous myths that are actively being used right now to harass children who survived a school shooting. There is nothing true about it. 13 Reasons Why continually stumbles onto such pernicious myths whenever it tries to discuss hard truths: the myth that suicide will set you free from your pain, that school shooters are traumatized victims of bullying. And that it can’t seem to avoid leaning into those myths with extravagantly brutal and graphic imagery seems to suggest that whatever the Northwestern study might say, this show is not actually interested in guiding its young viewers into a thoughtful and careful dialogue. If anything, it seems to find the idea of such thoughtful and careful dialogue to be boring and trite, which is why the “reasons why not” scene falls so flat. This is a show that wants only to shock, and then to congratulate itself on shocking. It is fundamentally cheap and aesthetically empty.
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Treating Pet Skin Conditions in Gaithersburg Pets can suffer from a variety of acute or chronic skin conditions that can cause discomfort or pain. Some of the most common are allergies, bacterial infections, fungal infections, chronic scratching, skin parasites, and hair loss. With years of training and experience in veterinary dermatology, our specialist can differentiate between the various conditions associated with pet skin irritation, allowing for an accurate diagnosis and effective treatment plan. Our Board-Certified Veterinary Dermatologist A board-certified veterinary dermatologist has completed additional training after veterinary school in dermatology. Throughout this training, a dermatologist is also required to complete an internship and specialized residency, pass comprehensive exams, and complete publication requirements to become board-certified in Veterinary Dermatology by the American College of Veterinary Dermatology (ACVD). What to Expect at Your Pet’s Appointment Our dermatology specialist will work with you to determine the cause of your pet's discomfort and will recommend treatment based on their needs. Examination & Diagnosis Our veterinary dermatologist will complete a thorough examination of your pet and ask you detailed questions about your pet's medical history to get a complete picture of their condition and overall health. Next, they will use the diagnostic tools at our in-house laboratory to establish the source of your pet’s skin condition. Once the cause of your pet's skin condition has been determined, we will develop a plan to treat or manage it. Treatment may include prescription medication, shampoo/conditioner, an ear flush, allergy vaccines, or simple changes to your pet’s environment.
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New York is full of hidden gems. This insider guide to New York City written by a native New Yorker will show you best unusual things to do in New York City that are alternative, kooky, fascinating, and just weird. Buckle up, it’s going to be a wild ride as New York has so much to offer that you might not expect. I’ve grouped these activities by borough and location. Unusual things to do in Manhattan Take yourself down to the Lower East Side for a DIY Jewish food tour An oft-overlooked portion of New York has to be the Lower East Side. This part of New York was once where my ancestors lived when they arrived in New York and it’s long been the Jewish cultural capital of New York. Here, you’ll find all kinds of delicious Jewish foods that you will want to try. Don’t worry, you don’t need a food tour to taste the best of this! Click for my self-guided tour of the best places to eat on the Lower East Side. Explore the catacombs of St. Patrick’s Basilica Although many people know St. Patrick’s, however many don’t realize that there’s another St. Patrick’s in New York. Underneath the Basilica of St. Patrick has catacombs underneath. There are very catacombs in the United States and this is the only one in all of New York. The catacombs have been closed for many years, but luckily they’ve now been opened to the public. You can take a candlelight tour of the catacombs to learn more about the history of this epic Basilica! Sit down for endless coffee and kitsch at a 24/7 diner or deli One of the most New York experiences off the beaten path that you can have (in my humble opinion!) is to sit at a 24-hour deli or diner and people watch as you get endless refills of black coffee. Veselka (from Nick & Norah) is where you can eat Ukrainian vareniki all night. Similarly, Tick Tock Diner is where my husband (and I have) stopped for a coffee while waiting around for bus near Penn Station. I was recently in Sarge’s Deli, which is a great place to stop off for a proper pastrami sandwich past midnight (or anytime). Find New York’s hidden streets New York is full of secrets if you know where to look! My other post about Secret New York goes more into detail about these streets, but I recently was in Henderson Place. This small private street is full of beautiful houses was intended for middle-class people, however, it’s one of the sought-out places to live on the Upper East Side today… Attend a wild off-off-broadway play for a fraction of a broadway play One of the best alternative activities in NYC has to be attending and off-off broadway play. Many people assume that you have to attend a Broadway play to get the New York play experience, however at any point, there are dozens of plays in New York that range in topic and you can see one of these plays for very little. Some are a wild experience if you’re open to something new. You can always see the Broadway favorites, but if you look through the TKTS list of shows, you might find something intriguing that you might not have known about otherwise. Browse the fantastic thrift stores and bookstores for secondhand books New York is full of beautiful and numerous bookstores. Whenever I’m in the area, I always stop by the Strand for a book, which is easily one of New York’s best bookstores. For shopping, New York is unparalleled and I consider thrifting in New York to be a true art as you have no idea what you’ll find. Click here for my recommendations on the best places to shop on a budget in New York. Get a drink at a speakeasy A speakeasy is a bit cliche at this point in New York, but it’s not to say that it’s still cool to enter a hidden bar as something different to do in New York. It’s pretty easy to find most speakeasies online without much effort, however for the full experience and to learn more about the history of these bars, you can take a Prohibition bar tour, which will bring you to New York’s oldest speakeasies. Discover revolutionary-era New York New York was once the capital of the United States. Us New Yorkers are proud of everything that started in New York and although we won’t take credit for the American Revolution as much as we do for New York pizza (you’re welcome!), you can visit the exact spot (Fraunces Tavern) where the Sons of Liberty, who help plan the Boston Tea Party plotted. Later on, this was George Washington’s unofficial headquarters. You do have to pay for entry to the museum or you can pay for a meal within the restaurant. Experience Korean karaoke in K-Town One of the most fun unusual things to do in New York has to be KTV in Koreatown. Right in the 30s, you’ll find Koreatown, the heart of Korean culture in New York. I recommend looking up KTV bars for the private experience. It’s best to reserve in advance as these bars are quite popular in the evenings on weekends. Within the private boots, you and friends can drink soju (Korean liquor) and belt out your favorite tunes. It’s as much fun as you think! Find the African Burial Ground National Monument During a construction project, a mass grave filled with human remains was found in New York. Quickly, it was discovered that this six-acre wide site was the resting place of 15,000 enslaved and free Africans who lived in colonial New York. This monument is the oldest African burial ground in existence. It is free to visit and a great starting place to learn about the darker past of New York. To learn more about the history of slavery and the Underground Railroad in New York, you can take a two-hour tour about the early African American history of New York. Visit the Tenement Museum One of my favorite museums for an unusual experience for adults and children alike in New York has to be the Tenement Museum. This museum helps visitors experience what it was like to live in New York at the turn of the century. My own great-grandparents lived in conditions like this and it’s an eye-opener to enter these apartments that are beautifully decorated with accurately represented decor with historians. Reserve in advance! Click for more tips for the Lower East Side. Attend a free concert/play at Summerstage or Shakespeare in the Park Every summer, you can attend free world-class plays and concerts in the middle of Central Park. I always love attending Summerstage, which brings many popular music stars from all over the world to New York. Tickets are free. If you’re willing to put up with the lines, you can also line up for New York’s famous Shakespeare Festival, Shakespeare in the park! Discover New York’s classic bars that haven’t changed in years! If you’re a fan of Mrs. Maisel, you might be wondering where they filmed many of the classic bars scenes in Mrs. Maisel. Although the new and shiny is always popular in New York, there’s something about the old and worn. There are a number of old historic bars in New York worth visiting, including the White Horse Tavern, which is where Dylan Thomas supposedly took his last drink. I was recently in Old Town Bar (pictured), which was one of the filming locations of Mrs. Maisel. It’s simply a beautiful bar with wooden booths and a cozy atmosphere where the locals chat with those coming in. Attend a gospel concert in Harlem One of the most unique things to experience in New York is to experience the richness of African American culture in Harlem. Harlem is truly an incredible place to visit due to the world-famous Apollo, its legacy with jazz music, and its churches. Many others have covered Harlem more in-depth than me, however, it’s worth taking time to see Haarlem whether to visit the Apollo for a show or visit a church for a choir performance. Click for a tour of Harlem! Enter a European monastery at the Cloisters One of the best museums in New York for lovers of medieval art has to be the Cloisters. It’s a bit mindboggling to consider that this museum with fairly accurate construction, inspired by medieval monasteries, exists in New York City. Within the museum, you can visit the various sections to look at priceless artifacts from medieval times. Entire sections of monasteries from Spain and France have been moved here although my favorite exhibition had to be the unicorn tapestry. You can get in here free with your Met ticket on the same day. Just include enough time to take the subway or train uptown! I recommend exploring Fort Tyron park after. Discover New York’s hip hop roots We say in New York, “East Coast is Beast Coast.” Well, the Beastie Boys were formed in New York. I can’t even list every hip hop and R&B artist from New York, but let’s just keep it simple: Nas, the Notorious B.I.G., Nicki Minaj, Wuu-Tang Clan, Jay-Z, Tupac, and many others are from New York. If you’re a rap fan, consider taking a tour to visit many of the key locations with local artists that shaped hip-hop in New York. Unusual things to do in Queens Please leave Manhattan, especially if you’re tired of the same old things. As someone who grew up in Queens, I”m horribly biased, but the rest of this article will discuss unusual thing things to do in the other boroughs! Trust me, you’ll fall in love! Enjoy New York’s oldest working farm One of the most unusual places to visit in New York has to be the Queens County Farm. I grew up coming here with my parents and went back here. This working farm is New York’s oldest continuously farmed site (since the 1600s) and you’ll wonder if you’re still in New York City. It’s all the way out by the Queens-Nassau County border, but if you have a car, it’s fantastic for families. The farm itself is free to visit although it’s worth looking up the schedule for the events, which are generally held on weekends. It’s a nice respite from the steel of Manhattan! Browse LIC Flea Each weekend, you can browse the LIC Flea Market. This lively market in Long Island City is one of the upcoming cool neighborhoods in Queens where you’ll find lots of cute shops and cafes. Notably, you can browse for locally made products, snack, and head to the beer garden along the water (the East River) in good weather. Go surfing in the Rockaways Did you know that you could go surfing in New York!? The Rockaways have been undergoing some massive changes for the better in recent years. For those seeking a truly unusual experience in New York, consider renting a surfboard at the cash-only Rockaway Surf Club. I highly recommend stopping off for some Mexican tacos and a craft beer afterward! Find Zen at the Noguchi Museum Not too far from Long Island City, you’ll find the Noguchi Museum. This museum dedicated to zen was once the studio of Isamu Noguchi, a world-renown Japanse-born sculptor who lived in New York. This large museum showcases his beautiful minimalistic models, drawings, and sculptures. I dare say that it’s the most relaxing place to visit in New York. Taste greek pastries in Astoria! One of my favorite neighborhoods in Queens is Astoria. If you’re a foodie, you’ll love Queens, which is the home to many New Yorkers who immigrated from Greece. I always love browsing the Greek supermarkets, stopping into the bakeries, and coming here for a meal. Click for my guide to Astoria. Discover the quietness of Jacob Riis Park and the surrounding abandoned sites One of the most unusual places that I’ve visited in New York has to be Jacob Riis Park. This beach on the most western part of Queens is not as famous as Coney Island or any of the beaches on Long Island, but it’s absolutely beautiful. I came here in May and we were the only ones on the beach! The old-school beach pavilion is very much old New York although lovers of abandoned places will love exploring the cold war-era Fort Tilton and viewing the former Neponsit Beach Hospital, a tuberculosis sanatorium, from a distance. It’s a nice place for a quiet walk along the beach. Explore the diversity of Jackson Heights Jackson Heights is one of those quintessential New York neighborhoods that New Yorkers love. Why? It’s truly representative of the diversity within New York. Here, you can eat Tibetan dumpling before picking up Colombian arepas, Indian snacks at Patel Brothers, or even finding something from another country. Your options are almost limitless as long as you have cash as many businesses are cash only. Go kayaking in the East River Have you seen everything in New York? I promise you that you probably haven’t gone kayaking in the East River. I’m not sure that I’d recommend swimming in the water, however you can rent kayaks at the LIC Boathouse. Eat your way through Flushing If you’ve not heard of Flushing, you nd to come to Flushing! Although you might have heard of Chinatown, Flushing is at the epicenter of New York’s Chinese community. Here, you can taste Chinese food from various Chinese regions. You can click for my guide to Flushing for the best places to eat in Flushing. Discover New York in miniature and go around the world 😉 Skip the touristy exhibition in Times Square and head to one of my favorite novelty museum exhibitions in New York, the Panorama of the City of New York! This miniature of New York is absolutely astounding in detail. It’s within the Queens Museum of Art, which sits right around the corner from the world-famous Unisphere. Discover the Dutch history of New York in Flushing! Although many have heard the story of how the Dutch settled in New York, you’ll find many traces of the Dutch still here. Queens has several houses that were built when the Dutch ruled New York. My favorite has to be the John Bowne House in Flushing, which traces the rise of religious freedom in North America. The tour, which is affordable, is run by knowledgeable volunteers. I have been to several of the other Dutch-era properties, but I think that this one is the most intriguing! Dive into jazz history at the Louis Armstrong House Instagrammers, take note, you can’t take photos within the Louis Armstrong House. However, for jazz lovers, this house is a bit of a pilgrimage location. This home was where Louis Armstrong and his wife lived until his death in 1971. Today, the house is a museum dedicated to his life and music. You must come here with a tour, so please check the official website for more information. Transport yourself to England in Forest Hill Gardens Although people assume that New York is all skyscrapers, Queens is full of normal houses where normal New Yorkers live. One of my favorite neighborhoods of New York for a stroll has to be Forest Hill Gardens. Here, you’ll find this Garden-inspired neighborhood full of beautiful Tudors. I recommend enjoying the quiet of Forest Park, a popular getaway in the 1920s for New Yorkers before stepping in for a snack at one of the old German delis in Kew Gardens (Homestead Gourmet Shop). Take in modern art in Socrates Sculpture Park One of my favorite free things to do in New York that is a bit unusual has to be gong to Socrates Sculpture Park in Long Island City. This free park hosts sculptures from sculptors from all around the world along this water-front property. The sculptures are always fun to interact with–and enjoy from a distance, so if you’re looking for something different to enjoy, consider bringing a picnic (after stopping by Costco!) to eat in the park. Enjoy a traditional beer at New York’s oldest beer hall In the heart of Astoria, you’ll find New York’s oldest beer hall. Although beer halls used to be more common throughout New York, this Czech-run beer hall is still in business 100 years later. It’s a great place to enjoy a beer with a pretzel. Discover Fort Totten Fort Totten is where I used to go rollerblading with my mom. This was a key place for defending New York from the British and the Nazis as it’s the entry to New York Harbor. For a long time, there was an army base here (even during the Civil War) and you can view some of the beautiful buildings from this period as you walk around, including the remains of the Civil War-era battery. It’s free to visit although not so easy to get here. The views from the water are gorgeous and worth the trip. It’s a popular destination for runners! Unusual things to do in Brooklyn Go antique hunting and enjoy Arabic coffee along Atlantic Avenue One of my father’s favorite things to do quite a bit off the beaten path in Brooklyn is to stop by the Yemanese coffee to watch chess and relax. Atlantic Avenue has long been at the heart of Brooklyn and you can now enjoy great craft beer at nearby Circa Brewing. If you’re an antique lover, I recommend browsing the antique shops for fun decorations for your home closer to Boerum Hill. Practice your Russian/Ukrainian and eat vareniki in Brighton Beach Brighton Beach is a unique neighborhood that is mostly populated by ethnic Russians and Ukrainians who fled when the Soviet Union fell. Here, you’ll find signs in Cyrillic and food from all over the former USSR from Georgian food to Ukranian vareniki (dumplings). I recently went to Varenichnaya with my cousin, who described it as the most hole-in-the-wall place that he’s ever been to in New York. Don’t worry: They speak English too. Head underground at New York Transit Museum Lovers of trains, rejoice! New York Transit Museum is an entire museum dedicated to the history of the New York subway. I’ve been several times when I was younger and it’s really fantastic. I always love boarding the old subway cars, which they occasionally ride on special occasions. Stroll along the boardwalk on Coney Island and ride New York’s oldest wooden rollercoaster. I love Coney Island. I’ve been coming here since I was a child. This island off Brooklyn (named for rabbits!) is home to one of New York’s most popular beaches, Nathan’s Famous Hot Dogs, New York’s oldest wooden rollercoaster, cool artwork (for the Instagrammers), an amusement park, and a lovely boardwalk. It’s completely free to visit Coney Island. After you’re done, head to Brighton Beach! Discover the weirdness that is Gowanus, New York’s very own Superfund site, with a beer. Have you read about the Gowanus Canal? I’m not sure that New York should be proud of having its very own toxic superfund site, but the Gowanus neighborhood is perfect for those looking to experience the alternative side to Brooklyn. One of Brooklyn’s best breweries is Other Half Brewing Company, so consider grabbing a pint before exploring the neighborhood! History lovers might like the Old Stone House of Brooklyn. For supper, stop at Dinosaur Bar-B-Que for southern-style BBQ! Find artwork in Bushwick It’s a bit strange seeing Bushwick gentrifying so much as a New Yorker, however you’ll want to look up the Bushwick Collective. This open-air gallery run by Bushwick local Joseph Ficalora features local artists along with more famous street artists! It’s free to visit and perfect for street art lovers. Eat your way through New York’s pizza! Who doesn’t love pizza!? New York is the birthplace of pizza as we know it. Although New York’s old pizza parlor closed, you can head into Brooklyn to Totonno’s to taste pizza at this classic New York institution open since 1924! I was recently at Juliana’s (shown above), which was very tasty. For true foodies, consider taking a pizza tour of New York. Yes, these really exist. Experience New York’s alternative side at House of Yes Looking to dance the night away? House of Yes is one of New York’s wildest alternative places to go out. Here, you’ll find great music, a disco bathroom, drag shows, and a fully inclusive environment to dance with your friends. Discover the insanity of Christmas lights in Dyker Heights If you’ll be visiting New York in time for the holidays, I recommend taking a detour to Dyker Heights! This charming Brooklyn neighborhood is famous for its epic Christmas light displays in front of the houses! It’s free to visit on your own, however, this neighborhood is a bit out of the way. Consider taking a tour of the best Christmas light displays if you’re not keen on figuring out the logistics. Unusual things to do in the Bronx Eat your way through New York’s real Little Italy Hidden in the Bronx, you’ll find Arthur Avenue. Although you have heard of Little Italy, you need to head this old school neighborhood of the Bronx where Italian culture in New York has been preserved with old school pasta makers, Michelin-starred restaurants serving up incredible pizza, and mozzarella makers worth of the James Beard award. Click for my guide to Arthur Avenue! Discover Woodlawn Cemetery If you’re a cemetery lover, you need to head to Woodlawn Cemetery in the Bronx. This notable cemetery built on rolling hills in the Bronx is the final resting place of many famous stars, including Herman Melville and Miles Davis! It’s a bit of fresh air oddly enough in New York and a nice respite from the busy city. Go for a hike through van Cortlandt park Not many people realize that you can actually go hiking in New York City. This large park in the Bronx was once the home of the Van Cortlandt family, which still sits on the property. Within the park, you can kayak, hike, run, horseback ride, and even golf. Unfortunately, Robert Moses (one of the urban planners who largely shaped modern-day New York [Read the Power Broker to learn more about his legacy!]) broke up the park and much of the Bronx, however, the park is worth a visit if you think that you’ve seen it all! Pretend you’re in New England on City Island City Island is very surprising. This small island off the Bronx feels like New England due to its many seafood restaurants, docks, and the general holiday feeling. The houses here are really cute and trust me when I say that you don’t need to drive another 2 hours to see something different in New York. Consider trying the lobster! Unusual things to do on Staten Island Go back in time at Historic Richmond Town One of the most fascinating places that I’ve visited in New York recently has to be Historic Richmond Town! This open-air museum in Staten Island is full of beautiful homes and shops from different historic periods, including the Dutch-era. Although you can arrive generally anytime, I recommend trying to go on one of the tours, done by knowledgable volunteers in period clothing, which will enable you to enter a few of the houses. We spent several hours here and you cannot get better bang for your buck! (We also recommend the ice cream.) Many TV shows and films were set here, including Boardwalk Empire. Transport yourself to China within the New York Chinese Scholar’s Garden One of Staten Island’s unexpected delights has to the New York Chinese Scholar’s Garden. This charming garden was created by Chinse artists and architectures to help bring a bit of Chinese culture to New York. All the materials come from China. Despite its beauty, this garden is not very well-known and right on the edge of the water, so consider coming here on a nice day as it’s the perfect lead-in to discovering that there’s more to Staten Island that just the ferry! Hike in the Greenbelt and learn about the strange past of this green space! The Greenbelt is a relatively new part of Staten Island. This park is home to one of the largest green spaces in New York. As part of this space, you’ll find the land that once belonged to the New York City Farm Colony and Willowbrook State School. This former working farm, once the home of Alice Austen (whose home is on Staten Island), has now been taken over by the city. Today, you can walk past some of these semi-abandoned buildings as they figure out what is next for this land (likely condos..) If you’ve read about the movie Cropsy, Willowbrook State School is one of many urban legends. This institution for those with disabilities became infamous after investigative reports came out, which resulted in the shutting down of this school. Now some of the grounds are part of the College of Staten Island and the Greenbelt. Other unusual things to do in New York City Discover the dark history of Ellis Island Although Ellis Island is famous for immigration, Ellis Island also has some dark stories in its past… Notably, there were separate wards where those who were sick were held prior to being deported. Today, you can tour these “abandoned” sections of Ellis Island. Click for more information about visiting Ellis Island. Discover Roosevelt island’s dark history! Roosevelt Island is a strange place, arguably one of the most strange places in New York City. This island sandwiched between Manhattan and Queens has a surprisingly dark history between Blackwell’s Peneiteary, which was shut down after becoming one of New York’s most famous prisons and “lunatic asylums.” It was torn down and now, you’ll find a smallpox hospital (abandoned, but still there) that sits in its place. For the best views of Roosevelt Island, consider taking the tramway for excellent views of Manhattan on the way back! Meet the friendly cats on Roosevelt Island! Cat lovers, I haven’t forgotten about you. The Cat Sanctuary in Southpoint Park is a non-profit cat sanctuary on Roosevelt Island where you can visit twenty-two friendly strays that live here full-time. Please consider making a donation if you visit! I got to say hello to one of these kitties when I was on Roosevelt Island recently! Take an architectural tour of New York by boat One of the most unusual activities in New York has to be the architectural boat tour of New York that we recently went on! This 3-hour boat tour goes around Manhattan Island and is narrated by a licensed architect in cooperation with the American Institute of Architects. Review from my dad: I had my doubts about whether it would teach me anything new about my home city of New York. I have an undergraduate degree in History, read The Power Broker by Robert Caro, watched many Ken Burns documentaries, and lived here my entire life. However, I was pleasantly surprised by this tour–and many of the guests were visiting for the second and third time. We also enjoyed the free drink (champagne, wine, water, or soda) and snackers (olives and hummus) that come with the tour. I could go on endlessly about the Domino Sugar Refinery, Governor’s Island, Spuyten Duyvil Bridge, and Roberto Clemente State Park which I had never personally seen. We had poor weather on the day of our tour and they were happy to switch our tour to Friday. I would highly recommend to anyone who is looking for something different to do in New York. Any other recommendations for unusual things to do in New York City? - Your perfect first time NYC itinerary - Insider tips for visiting NYC - New York for the holidays - What to pack for NYC - Foods to try in New York City - How to take the subway - Where to shop in NYC - A walking tour of the Lower East Side - Arthur Avenue - New York City on a budget tips - Affordable hotels in Manhattan
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How to get to London by train |Trips per day||419| We partner with the top coach & train carriers to bring you the best deals. Best Travel Options We help you find & compare the best buses & trains in one place. Quick & Easy Booking Book trips quickly with a simple, hassle-free checkout – online & on our app. Fast Customer Support We don’t monkey around. We respond within minutes to help you out. One of the most important cities in the world, London is where the traditional blends seamlessly with the modern. As a vibrant modern city, London has something for everyone. For visitors interested in the Royal Family as well as their history, check out Buckingham Palace. The palace is open all days in summer, but only on selected days in winter. The Tower of London, where the crown jewels are put on exhibition, is also a great spot to check out. For fans of history, you might not want to miss out on the famous British Museum, considered by many to be the best museum in all of London. The museum currently carries an impressive collection of 8 million historic objects from all around the world, making it an eye-opening destination for many. London’s food scene reflects its multiculturalism. Here you can find restaurants serving cuisines from various countries around the world, from India to Malaysia. If you opt for a lavish dining experience, Restaurant Gordon Ramsay, run by the famous chef himself, will be a great choice. Also don’t forget to stop by at a local pub and enjoy the beer like a true Londoner. The city’s centers of intercity rail services are King’s Cross Station and Euston Station, from which you can take a train to other places in the UK or hop on the Eurostar train to Paris and beyond. The largest coach station in the city is Victoria Coach Station, serving big local carriers like National Express. The city’s air services are fulfilled by eight airports, of which London Heathrow Airport, located west of the city, is the busiest one. What train companies travel to London, United Kingdom? Located in United Kingdom, London is accessible by train from 62 other cities. You can choose from 419 daily scheduled trips when you search for trains to London on Wanderu. Avanti West Coast usually has the most trains on any given day. Looking for other ways to get there? Bus tickets to London are also available.. Train companies serving London |Train||Routes||Avg. Time||Avg. Price| |Great Western Railway||12||1h 57m||€58.91| |Northern Rail||10||2h 59m||€101.01| |South Western Railway||10||1h 19m||€25.46| |West Midlands Railway||9||1h 47m||€40.70| |Avanti West Coast||8||3h 0m||€87.81| |Chiltern Railways||7||1h 9m||€34.18| Part of the FlixBus family, FlixTrain launched in 2018 to offer affordable and sustainable train travel in Germany. Its trains provide Wi-Fi, power outlets, air conditioning, onboard restrooms, and access to an entertainment portal full of movies, games, and music. In addition, each passenger gets a guaranteed seat, so you don't have to worry about standing in any aisles. Southern Railway is part of the British rail network serving stations predominantly between central London and the British south coast. Destinations include Brighton, Gatwick Airport, and Worthing. WiFi and accessible restrooms are available on most trains, plus the option to upgrade to a first-class ticket with extra legroom. UK's South Western Railway operates passenger rail services in London's, Windsor, Reading, and Southampton. Both standard class and first-class seating are available, with the first-class section clearly marked and physically separated from the rest of the train by internal doorways. These cars offer more space and quiet away from the more crowded areas. Chiltern Railways is a renowned rail company that provides efficient and comfortable train services between London and the West Midlands region of Britain. With an extensive network, Chiltern Railways connects multiple towns and cities across England, offering affordable ticket prices, especially for journeys from London to Birmingham. While the trains primarily have standard-class carriages, some peak-time services provide a 'business zone' for added comfort. On-board amenities include heating during winter, restrooms, power outlets at select seats, and reliable Wi-Fi connectivity, ensuring passengers stay connected throughout their journey. Southeastern is a rail franchise that operates passenger train services between central London and southeast England. The company's fleet of over 300 trains stops at 180 stations across London, Kent, and East Sussex, and standard and first-class fares are available. First-class passengers enjoy dedicated areas, larger seats, more legroom, and a quieter travel experience. Onboard restrooms are available for all passengers. Frequently Asked Questions The busiest train station in London is Euston railway station (Stop B). There are several other active stations in addition to this main station. The most popular train stations in London are: - Euston railway station (Stop B) - Victoria Rail Station - London Liverpool St Wanderu is the simplest way to book coach and train travel. With just a quick search on Wanderu, you can compare coach and train schedules and prices from hundreds of travel companies in one convenient place to find the trip that works best for you. Wanderu’s simple checkout process makes it easy to book cheap coach and train tickets hassle-free and with no additional fees. Most importantly, as Wanderu is an official partner of all leading bus and train companies, we always have the best coach and train deals out there.
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Hello Readers! It has been a great deal of time since I last wrote an At the Library segment. I anticipate everyone is having a great summer and enjoying all the warm weather. I hope all of you have had the chance to visit the wonderful farmers market on Thursday nights, the county fair, and of course, my personal favorite, us here at the Washington Public Library. This summer has been full of Summer Reading for us employees at the library, and we love to see it! I have shelved cart after cart of children's books, and handed out many prizes, which is something I genuinely love to do. Speaking of which, Summer Reading is a great example of purpose driven goal setting for children. I hope everyone has made progress on their own personal goals for this year, which I wrote about last time. The fun doesn’t just stop with Summer Reading. As the leaves turn orange and the weather chilly, we start back up some of our school year activities for younger readers. We have our early out Friday program - Friyay Funday. We resume our Pokemon trading card club as well. Our Teen Advisory Board has its first meeting in September. The Teen Advisory Board is a place for teenagers to share ideas on how to improve the library! You can even earn silver cord hours for attending. Also taking place this fall is our Authorfest. A well attended event last year, the Authorfest is a place to hear authors- big and small- read and tell you about their books. You also will have a chance to meet these authors and get your favorite books signed. It is truly a great event. Another favorite event of mine we have here at the library is our classic cinema screenings. A great place to bring a snack and blanket to enjoy along with your favorite classic movies. Even if you aren't up for attending an event, the library has many books that you can read this fall. Cozying up with a nice book and a pumpkin spice latte from a coffee shop sounds just wonderful, doesn’t it? Regardless of how you chose to spend your time, I hope everyone's fall is filled with football games, nice weather, caramel apples, full bellies, books and whatever other fall activities you may enjoy. Hope to see you At the Library.
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What is Girl Strong? Never before has the world been so close to ending the global water and sanitation crisis. It’s a fight we know can be won, but not without putting women and girls first. Girl Strong offers a glimpse into the problems that many women and girls face day in and day out. - Ever year, women and girls spend 152 Million hours collecting water. Time that could be better spent in school and working. - Women and girls walk an average of six miles round-trip to collect water, carrying an average of 40 pounds (approximately the same amount your checked baggage can weigh on most commercial airline flights). - In India alone, it is estimated that collecting and carrying water costs 150 million work days every single year. - It is estimated that women and girls spend 97 billion hours each year looking for a place to urinate or defecate, because they don't have access to a toilet. To put these numbers in context: That's 10 times more hours than all Americans spent sitting in traffic last year. It's twice the total time spent by all 81 million Netflix subscribers watching content last year. It's approximately 10 times more than the total number of hours Americans spend responding to Federal paperwork, such as from the IRS. Think of all that be accomplished if these women and girls could recapture the time they currently spend collecting and carrying water or searching for a safe, private toilet. Women and girls from all over the world are affected by lack of WASH. Here are a few of their stories: Want more facts on the obstacles women and girls face every day due to lack of clean water and a safe toilet? Check out our fact sheet. Looking for an easy way to share what you've learned with your family and friends? Download our infographic. Girl Strong playlist For those of you looking for full commitment to the Girl Strong experience, check out our Spotify playlist Listen as our very own Cecile Shrestha takes NPR listeners to Nepal to experience chaupadi. Write to congress International development assistance is an efficient investment in peace, security, democracy, public health and economic productivity worldwide. Write to your representatives and urge them to continue the bipartisan spirit of international aid. Your support is critical to the work we do for women and girls around the world. Want to follow Girl Strong? Sign up for Girl Strong updates
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Arguably among top ten best metal albums of 2015, no one member in Veil of Maya's roster is overshadowed in this new direction. This time around, the entire band's talent is showcased more evenly than in previous albums. Graduating from six string baritones to sevens and upping the ante with recently acquired vocalist Lukas Magyar, Veil of Maya's Matriarch delivers a little less flash while still holding on to the thrashy-ness that fans have grown to love. Though Magyar's high screams, low growls, and clear vibrato are brought to the table on a glorious China plate encased in a catchy melody sandwich, the introduction of the first clean vocals since the band's inception isn't the most notable change from previous vocalist Brandon Butler, who left the band during Matriarch's inception due to "creative differences." ||Three-Fifty - Fifty
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Abéché is the last – and very rural – big town before the Sahara. It lies east of Chad and is home to around 70,000 people, including numerous refugees from the war-affected area around Darfur. Tasks: Volunteers work as English or computer teachers. A class consists of 8 to 15 students. The students are adults and mostly men. Four days a week they are taught in the afternoon and evening. Besides teaching there is time to build relationships and to learn Arabic. Other Activities: Becoming friends with nomads. There is the possibility to play Volleyball or Basketball with locals in the evening, which is great for building relationships. Regular meetings with the WEC team and with other missionaries in the city. Project: Centre de Connaissance is a facility with a library, which offers English and computer courses. The center is a place to meet people and to build relationships. The idea is to offer education with Christian characteristics. For example to be thought provoking in English classes with predominant Muslims students. Team: 5-8 Missionaries (Scotland, New Zealand, Australia, America, Brasil, Fiji, Switzerland) Short termers: depending on availability. (There is space for 1- 4 short termers.) Churches: Various churches of different ethnic groups from the South of Chad (French speaking); a small Arabic speaking church, in which the WEC team is involved. Challenges: Very hot climate, reduced living and health standards (for example limited running water, no fridges etc), cultural differences, learning the language(s) namely Arabic and French. Living in one of the poorest countries in the world. Special benefits: Visiting migrants gives a totally different picture of the world. Initial success with Arabic. Lots of time, which people in Europe do not always have. Community life in the team – you need to rely on each other! Free time: The opportunity for trips is very restricted, and in principle there are no ´going-out´ opportunities. Lots of opportunities for sport and one free day per week. More Info: www.chad.wecinternational.org Mininum 6 months
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Voted multiple times as the “Best Wedding Venue” by Sacramento magazine readers and recognized for excellence by The Knot, Arden Hills has been the premier wedding and event destination for 60 years! At Arden Hills, we pride ourselves in our exquisite white ballrooms with crystal chandeliers, our stunning gardens that are trimmed to perfection, our on-site private bed & breakfast, our delectable catering by Executive Chef Brian Griffin and most of all, the care that we provide in every event. Featuring all the luxury and amenities you would expect, few facilities in the region can match the breadth of offerings found in Arden Hills. With access to our Award-Winning Day Spa, recently winning best Day Spa in Sacramento for the 12th year, our In-House Salon, Onsite Private Bed & Breakfast, there is little left to be desired should you find yourself at Arden Hills. Upon booking, complimentary services include an Assigned Catering Manager to assist in many aspects of planning your wedding, a Courtesy Event Coordinator on the day of your event to ensure everything runs according to plan and Full-Service Banquet Staff including a Banquet Captain to serve your guests. Along with Linens, Tables, Chairs, and Dinnerware, our list of vetted vendors is at your disposal as well. We have everything you need so that your focus can stay on the importance of your wedding day. Frequently Asked Questions Do you have a site fee for wedding receptions at your venue? What is the starting site fee for wedding receptions during peak season? What is the starting site fee for wedding receptions during off-peak season? Do you have a site fee for wedding ceremonies at your venue? What is the starting site fee for wedding ceremonies during peak season? What is the starting site fee for wedding ceremonies during off-peak season? Which of the following are included in starting site fee? Which of the following are included in the cost of wedding catering? What is the starting price per person for bar service? Which of the following are included in the starting price for bar service? How many event spaces or rooms does your venue offer? Describe your venue: What kind of settings are available? Which of the following wedding events does your venue service? What event services do you offer? What catering services do you offer? What bar services do you provide? What event items are available? What food and beverage items are available? What transportation and access is available? What months are included in your peak season? What months are included in your off-peak season? Any other questions? ReviewsWrite a review 5 User photos Love this Venue Great tour Visit This place is amazing Are you interested? Would you like to visit? Arden Hills frequently asked questions - Bridal Suite - Clean Up - Event Planning - Set Up - Wedding Cake - House Liquor - House Wine - Uncovered Outdoor - Bridal Shower - Engagement Party - Rehearsal Dinner - Bar Services - Catering Services - Clean Up - Event Planner - Event Rentals - Get Ready Rooms - Audio Equipment - Dance Floor
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Telluride has been making the news a lot lately! USA Today recently awarded Telluride the number one spot on its list of the Top 10 Ski Resorts, with a “Pure Awesomeness Factor” of 99.0, and it’s easy to see why. Telluride offers visitors from around the country and across the globe a vacation getaway like no other. Long a popular ski and golf resort destination offering ski slopes ideal for novices, experts and everyone in between, this stunning mountain town nestled in the magnificent Rocky Mountains of Colorado also boasts historical landmarks, a western museum, fine dining at local restaurants, a beautiful Town Park, resort accommodations, and loads of outdoor adventures. Skiers enjoy Telluride slopes well into the spring, where slopes excel due to high elevations and northern exposures that help preserve precious snow. TripAdvisor also awarded Telluride’s Inn at Lost Creek in Mountain Village the number four spot on its list of Traveler’s Choice Awards for America’s best hotels, also ranking it #1 for Best Service in the U.S. The hotel is also home to one of Telluride’s best restaurants, offers residents and visitors ski-in/ski-out access, and personalized service at the Telluride Golf Club. The TripAdvisor awards are given based on millions of customer reviews and opinions, offering travelers an idea of what previous customers have experienced and what they can expect when choosing their accommodations. Telluride racked up yet another award from USNews and World Report, when it ranked Telluride as number one Best Small Town to Visit in the USA among towns “filled with charm and plenty of friendly locals” stating, “This Colorado town woos visitors with its captivating scenery and delightful Mountain Village.” In addition to the unmatched natural beauty of the area, visitors to Telluride and locals alike enjoy many cultural events and foot-stomping festivals throughout the year, one of the newest of which is the Original Thinkers festival, which began in 2018. The Telluride Daily Planet reported the festival drew “robust crowds of attendees enthralled by the music, dance, film and ideas that were generated by the festival’s guests.” Whether you’re looking for a new mountain destination, the perfect ski slopes, outdoor adventures galore, a place loaded with interesting history (did you know that this former mid-1800’s mining town was the setting for Butch Cassidy’s first bank heist in 1889?), or a fun, unique festival experience, you should definitely consider a vacation in Telluride. Here are just a few things you can enjoy both on and off the slopes the next time you vacation in Telluride: - Ancient cliff dwellings - Cross country skiing - Snow biking - Telluride Mountain Village Gondola ride - Snowmobile rides - Bear Creek Falls - Dog sledding - Jeep tours ad off-road adventures - Hiking on Jud Wiebe Trail and Bridal Veil hike - River rafting and tubing - Winter Fly fishing For a truly unique, memorable experience on your next visit to Telluride, Telluride Vacation Rentals offers luxury accommodations to welcome you to Telluride and help make your time in Colorado the best experience possible. To book your next exciting vacation, choose Telluride, and for the ultimate in luxury, private accommodations, reserve a Telluride Vacation Rental for your next adventure in Telluride. Check out our many beautiful choices at Telluride vacation rentals and choose from several three to five bedroom properties available, or give us a call at (970) 728-7049 with any questions. We look forward to seeing you soon!
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On Thursday 15th July Simon and Sadie attended the Spring into business expo in Colchester. The event was hosted by Networking Essex and Heart radio! It was their first official outing in 15 months on a rare afternoon off. They had a wonderful time mingling with people again and met some amazing people! Due to the pandemic a lot of people will have missed meeting people face to face and human connection. Humans are naturally very social, and this can be seen as far back as we can look when we would hunt and travel in social groups. Developing healthy social relationships can increase feelings of happiness, belonging and confidence. Your wellbeing be improved dramatically just by being around more positive people! Optimism and positive emotions can reduce the risk of a heart attack by up to 50% with happier people living longer and adding up to 7 years to their lifespan! One of the five pillars of wellbeing is connect with other people this is used on the official NHS website. Connecting with others is proven to help you build a sense of belonging and self-worth, it gives you the opportunity to share positive or negative experiences and it provides emotional support for you and them. There are many things you can do to connect with others such as arranging days out, have lunch with a colleague, switching the tv off an playing a game with family, volunteering locally.. the list goes on, but the NHS do make a note of specifically not relying on technology or social media alone to build relationships as this can sometimes be detrimental. It has been almost impossible through lockdown to not rely on technology so we are all very glad that the country is opening again, and we can begin to see people in social settings! We cannot wait to begin working with some of our lovely new contacts from the expo! We are most definitely looking forward to many upcoming social events and meeting some more amazing people!
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Metabolic Analysis and Nutritional Therapy (MANT) Description in a nutshell: Metabolic Analysis and Nutritional Therapy (MANT), a name created by Brooke Heather and only used in the clinic setting, is an analysis to gain valuable knowledge about your metabolism. Then, with this information, a nutritional and lifestyle plan can be implemented. Save Time & Money! Metabolic Analysis and Nutritional Therapy is a way for you to gain valuable knowledge about your constitution (individual makeup) in order to make simple and appropriate changes in food and supplements. Put your health in your hands (rather than in the pocket books of pharmaceutical companies)! Metabolic testing determines what foods are beneficial and those that are not for your specific metabolism! After completing an intake form and questionnaire in combination with urine and saliva analysis's, several reflex tests, and a series of pulses and a set of blood pressure readings in a specific order referred to as an orthostatic challenge, the practitioner obtains vital information about your metabolism and can recommend specific supplements to assist the correction of the metabolic imbalances. A report is provided with descriptions of each metabolic imbalance and diagrams to better explain the effects of imbalances. Do You Have: Digestive Disturbances Sleeping Problems Blood Sugar Imbalances Cravings Allergies Skin Conditions Are You: Anxious or depressed Fatigued Overweight Diagnosed with any auto-immune disorder Bothered by recurrent infections or “flair-ups” Or just wish to monitor and maintain health... With the results, you will receive: ·A report describing the results of the questionnaire and testing procedure, descriptions of your metabolic imbalances, dominate nervous system side, oxidation status, glandular and organ function etc. · A personalized eating plan, eating right guidelines, and supplement recommendations · How to determine your ideal protein and fat ratio to carbohydrate intake · Diagnostic (see waiver and terms) evaluation of 49 different chemical and clinical testsincluding zinc and iodine deficiencies. Calcium to phosphorus balance, and saliva and urinary pH. With the information you will be provided with, you can alter your diet and supplementation to: · Prevent disease and imbalances by gaining autonomic nervous system balance · Slow the aging process and reverse oxidative stress by learning how to avoid foods and high levels of nutrients that create free-radical damage within your system · Maintain glycemic control (Hypoglycemia/Diabetes) · Obtain optimal PH · Maintain chemical and mineral levels Ask how to use this tool to monitor health conditions! Correct imbalances before they progress into severe stages! Food is medicine; the pharmacy Mother Nature provides us with is therapeutic! Learning how and when (for certain conditions) to combine and prepare foods for your chemistry ensures proper regeneration by the proper maintenance of the metabolism! *Whole Food Targeted Nutrition (WFTN) is used to balance the nervous and endocrine systems. This technique has been shown to be more effective than bio-identical hormone therapy. Ask for more information! *WFTN is an all-natural supplementation program that allows for your needs to be individualized. After all, you are unique and your nutritional requirements are different than everyone else’s! That’s exactly what we find out when performing the metabolic analysis – what your needs are. Then progress is easily monitored with the same testing. Please eat and drink as normal up until our appointment. If you are a coffee drinker, please only consume half the amount you normally do and abstain from eating an hour prior to our appointment. This ensures accuracy of the metabolic testing. We will need a urine sample at the end of our appointment. As part of the metabolic test, I will lightly scratch your upper inner arm as well as the forearm so please do not use lotion or oil that could affect the results of the scratch test. The information on this website is not intended to replace a one-on-one relationship with a qualified healthcare professional (HP) and is not intended as medical advice. It is intended as a sharing of knowledge and information from the research and experience of Brooke Heather and associates. Well Space and Restorative Naturopathy encourages you to make your own educated decisions based upon your research and in partnership with a qualified HP. * These statements have not been evaluated by the Food and Drug Administration. *These products/services are not intended to diagnose, treat, cure or prevent any disease.
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(By the way, in my work with English, I spell it GREATitude because I believe ‘GREAT’ is more uplifting than ‘GRAT’.) Pre-greatitude is being thankful for something before it’s real. Yes, it’s an old concept but somehow easy to forget. Every morning I complete a list of 10 things I’m greatful for that occurred already. It struck me today, what if I give thanks for something that hasn’t occurred yet as well? I’m going to try it and see what results I get… Be sure to mark your calendars for August 18th, the 100th anniversary of our right to vote. Do something to celebrate because we came so close to never having it. To celebrate, I’m releasing Book One of a (currently) five-volume series titled, ‘Tha Womun Who Forgot Who She Was’. If you think I’ve spelled tha first two words incorrectly, you don’t know about ‘WEnglish’ my tribute to our 100th anniversary and a way to create a more gender-balanced and respectful language. Want to know more? Check out vivianprobst.com/WEnglish. Oh, la, la! What a difference YOU make to life!
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A huge congratulations to our Year 4 Spelling Bee candidates: Hamdan, Scarlett and Zubaria. Last night, they attended Godolphin Junior School and competed with 24 children across the Park Federation at the Federation Spelling Bee. It was nerve-wracking stuff! We are so proud of how well they performed in an unfamiliar place in front of a large audience. Well done Hamdan, Scarlett and Zubaria - you looked wonderful in your medals at the end of the evening!
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Yolanda Kondonassis: Impressions Of The Harp Most classical musicians, however intense their personal beliefs, avoid talking publicly about anything remotely connected with politics. But, to coin a phrase, harpist Yolanda Kondonassis is fed up, and isn't going to take it any more. Kondonassis became a mother six years ago, and for her, creating a safe future for her daughter includes combating global warming. But how do you do that while playing the harp? She came up with a collaboration, and a new CD, that she calls, simply, Air. With her friends Joshua Smith (principal flutist in the Cleveland Orchestra) and Cynthia Phelps (principal violist in the New York Philharmonic), she chose a set of atmospheric, ethereal works that have what she calls an "esoteric" connection with nature and the environment. And beyond the purely esoteric, she's donating proceeds from Air to the Environmental Defense Fund. When the trio joined me in the studio, it was mesmerizing. The 35 minutes of music they played never rises above a whisper. The dynamic range is from gentle to soft, from weightlessness to absolute stillness. But they found such evocative gradations of serenity that after their performance of Toru Takemitsu's "Toward the Sea," I found it hard to do my job — which is to talk. Words felt angular and blocky after the tranquility created by the music. In her notes about music, and this particular collection of music, Kondonassis wrote: Music is such an outgrowth of nature and is so organically connected to our collective emotional center. The natural elements such as wind, water, earth, and fire have been inspirations to composers throughout time. Debussy and Takemitsu both took great inspiration from the earth and transmuted that inspiration into an impressionist fusion that continues to touch listeners today. More About the Players At age 18, harpist Yolanda Kondonassis made her debut with the New York Philharmonic, and has since appeared around the world both in recital and in concert with major orchestras. In October, 2008 she gave the world premiere of the new Harp Concerto by Bright Sheng, commissioned for her by the San Diego Symphony. Since 1992, Cynthia Phelps has been the principal violist of the New York Philharmonic. Chamber music is her passion. She appears regularly with the Chamber Music Society of Lincoln Center in New York, and has been a faculty member of the Manhattan School of Music and the Juilliard School. Nineteen years ago, when Joshua Smith was just 20 years old, he was appointed principal flutist of the Cleveland Orchestra by conductor Christoph von Dohnanyi. Copyright 2022 American Public Media. To see more, visit American Public Media.
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How a Single Mother of Four Supports Her Family in a Refugee Camp Six years ago, Um Ibrahim and her four children fled Syria after escaping war in their hometown of Daraa. The war forced them to abandon their home and their belongings — all that was familiar to them — and head for safety south of the Syrian-Jordanian border. They currently live in Zaatari refugee camp in northern Jordan. “We thought we would only be here for a short while, until the situation improved,” says Um Ibrahim, reflecting on life in the camp. “But we are still here, staying here.” How a hobby turned into a livelihood Um Ibrahim was married 25 years ago when she was just 14 years old. Now, as she approaches 40, she has been left alone with four children to look after. She lost her husband in the war. As a single mother, Um Ibrahim works in the camp to support her family. She is employed by the World Food Programme (WFP) at one of four Healthy Kitchens, where parents find employment preparing meals that are provided to students at the camp schools. “Cooking has always been a hobby for me. When I was a young girl, my mother would say that cooking will always be a useful skill,” said Um Abdallah. “I never imagined that one day it would come to mean so much and become the source of my income.” Her youngest son Abdullah was born in Syria — he was only 7 months old when they arrived to Jordan. Meanwhile, her oldest son returned to Syria after the family crossed the border, and was later able to take refuge in Germany. WFP delivers healthy school meals to 20,000 refugee children in all of Zaatari camp’s formal schools through its Healthy Kitchen Project. The project aims to improve health and nutritional awareness while boosting healthy eating habits. You can see the pride on Um Ibrahim’s face as she explains how the healthy kitchen works: “We include one pastry, one piece of fruit and one vegetable in each meal! We bake the pastries here in the camp.” Grocery shopping with the blink of an eye “The food assistance we receive is very good. Without it, no one would stay here. People wouldn’t be able to live,” Um Ibrahim explains. “We buy food through an iris scan machine, which is very easy to use. When we go to pay for our food at the supermarket, I look into a machine that scans my eye and connects to my account. I don’t even have to carry cash or a card anymore!” “At the beginning of each month, I receive a text message informing me that our account has been reloaded. Each member of my family receives $28.25 per month to buy food and we also receive fresh bread every morning at the bread distribution points in the camp.” Learning that hope has no limits Reflecting on the last six years, Um Ibrahim said the biggest lesson she learned is that the human capacity for hope has no limits. “I am still able to see hope when life feels pretty hopeless. Living in hardship has allowed me to see the good in people and to appreciate the blessings I do have,” she said. “The power of joy, love and kindness give me a sense of hope. Sharing a meal or a hug with a neighbor has been such a powerful and unexpected force.” Thanks to generous contributions from Germany, USAID and other donors, WFP is able to continue its support to Um Ibrahim’s family and thousands of Syrian refugees like her living in Jordan.
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Updated February 11, 2019. All work, no play makes us dull, ill and sad. Ever noticed how young people in mountain towns look? It’s because they spend a ton of time on the slopes and trails. Catch an octogenarian on the slopes, and you’ll see a sparkle in their eye that definitely doesn’t come from staring at spreadsheets. Play gets us moving, trying new things, breaking out of routines. It helps us get moving and fit, sure, but play also helps us create new neural connections and strengthen problem solving skills, which can have benefits for work, creativity and relationships. And while taking time out to do something playful may not help you cross off the things on your to-do list, it might help you gain a little perspective on what’s really important in life. With that in mind, here’s 10 of the ways you can play this spring in Whistler, in our very own natural playground: 1. Splash About The ice is melting off the lakes and there’s plenty of water in the River of Golden Dreams, so let’s get paddling. Canoe, kayak, SUP – whatever floats your boat. If you’re not so sure about those water temperatures (always cooler this side of summer), then get your water therapy with a spa day or hot tub session (singing ‘Rubber Ducky’ all the way, of course). 2. Slide on Snow With exceptional snow all winter and spring, there’s plenty of coverage for skiing and snowboarding and Whistler Mountain is open until late May. Cruise the groomers, slash some slush or go for a couple park’n’patio sessions – just don’t get too serious. Onesies and neon recommended. Time to dance like no-one is watching. The spring après sessions continue with Merlin’s the pick of the big venues to find live music. We’ll have proper outdoor dancing at GO Fest on the May Long Weekend, and there’s always a new DJ on at Whistler’s clubs…but you’ll have to be a bit naughty and stay up waaay past bedtime to catch the good sets. 4. Whack Things Really Hard What better way to shed adult-life-related stress than sending a golf ball into orbit? With the driving ranges open early and the golf courses following by mid-May you can now get your swing on. Other options include the Whistler Racquet Club, hotel tennis courts and the Meadow Park Sport Centre squash courts. Check out the GO Fest tennis clinics if you want to work on your swing. 5. Throw Things Axe throwing. Enough said. Also, the disc golf course in Lost Lake Park will be clear of snow soon. An afternoon wandering in the forest trying to hit things with a plastic disc, chatting as you go? Why not. 6. Go Really, Really Fast Kids know that speed is your friend. This spring you can get your thrills by zipping or rallying a RZR to your heart’s content. The snowmelt means the rivers are going to be running well, so white water rafting and jet boating will also be top notch – check out the spring activity specials here. 7. Explore a New Trail The snow will melt from the valley up, so it’s time for early season hiking, trail running and dog walking. Rain or shine it matters not – with the right gear you can skip through the forest like a fairy tale character and find out just how quickly hanging out with trees, running water and vivid green moss can lift your spirits. Remember back in the day when you used to spend hours on your bike just exploring? We’ve got a winding network of paved, car free bike ways called the Valley Trail which is PERFECT for meandering. Don’t plan, just go, and rediscover the freedom that a bike can give you. For those who aren’t afraid to get a little dirt under their tires, both the mountain bike trails and the Whistler Mountain Bike Park will also open in May. 9. Eat With Your Fingers Sharing plates and tasty treats with friends are the order of business here. Go on, get messy. Get a mega plate of nachos at Merlin’s to cut through the post ski/bike/paddle hunger, grab Purebread treats and sit in the sun while you make crumbs, snack on fries with a delicious craft beer at the Dubh Linn Gate (ask for chipotle mayo, I dare ya) or down some pretzels with beer at Handlebar. 10. Get Wildly Creative Sometimes, somewhere along the path from childhood we can lose the connection with our creative side – but it’s waiting there patiently for us to rekindle the fire. You’d be amazed at the number of things to do here that get your brain firing in different ways. Rock up for an art class or social art night, check out the interactive exhibit of Matisse Drawings at the Audain Art Museum, challenge yourself to creative problem solving at Whistler’s original Escape Rooms. BONUS: Go from Sun Up to Sun Down Why stop playing after one activity? Call up the energy of your inner child and try a ‘Whistler triathlon’ or multisport day to see just how awesome life can be. Ski-bike-golf or walk-paddle-spa? This is choose your own adventure land. Go crazy kids! So what are you waiting for? Here in Whistler play isn’t just for kids, it’s for everyone – it’s for life. The most important thing to remember? Don’t be afraid to get messy, enjoy the process and above all – do it your way. Here’s to more time in nature this spring and healthier, happier days. For more information on spring deals on meals, activities and accommodation, visit Whistler.com.
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M Peree Champagne "Indulge in the exquisite taste of MPeree Champagne, a symbol of luxury and celebration. Crafted with passion and precision, MPeree offers a sparkling experience that is both refined and captivating. Join us on a journey of elegance and embrace the finer things in life. Cheers to extraordinary moments with MPeree Champagne!" No returns. No refunds. Give up to 2 weeks for delivery.
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Today was one of those days that seemed like it was “go, go, go” from the moment the alarm went off. From coding out a new site, to running to the grocery store, to stacking firewood, on top of “regular” house chores, there was little time left to think about meals – let alone healthy meals. Lunch was a very quick (and kind of sad) frozen pizza. It’s times like these that I can really appreciate “fast” meals. Not to be confused with “fast food”, “fast meals” are meals that you can cook up quickly, but without all the oil, grease, and cholesterol. Meals like the Healthy Choice Crustless Chicken Pot Pie, or their new line of Top Chef Cafe Steamers, are the perfect options for busy lifestyles. There are a variety of meals to choose from which allows you to try a lot of new flavors you might not otherwise cook. I’ve been enjoying Healthy Choice meals for over 10 years, and I was still able to find a few new Healthy Choice meals to try during a recent trip to Walmart. I can’t wait to try the Top Chef-inspired Chicken & Potatoes with Peach BBQ Sauce and the Healthy Choice® Café Steamers Beef Merlot Healthy Choice Top Chef Cafe Steamers. I can tell you that the Healthy Choice Crustless Chicken Pot Pie is amazing. The “steam heating” heats the entire meal up perfectly so that chicken is still tender, the dumplings are soft (but not mushy) and the veggies are still crisp. Mixed up with the sauce and it is soooo good. It’s also SOOO much better than traditional “fast food”. Another great benefit about these Healthy Choice meals is that they are much more affordable than what you might otherwise grab when you’re on the go. I rarely leave a sandwich shop (my “healthy” version of “fast food”) for less than $5.00. The Healthy Choice meals – including the Crustless Chicken Pot Pie and Care Steamers – were just $2.50 at my local Walmart. If you use the awesome $1.00 off coupons currently in the sidebar (–>) you can drop that price to just $1.50 for a totally delicious and satisfying meal that cooks up in a matter of minutes. I know that life can get pretty hectic sometimes, but even with all the running around, you can still stay health. Here are a couple tips to stay healthy even when you’re on the go. On-the-go Healthy Eating Tips 1. Drink Plenty of Water When you’re busy, sometimes you think so much about your “to-do” list that you forget to drink water. Drinking water throughout the day not only helps you stay hydrated, but also helps suppress your appetite and burn stored fat. 2. Have a Meal Plan If you know you’re going to be busy, consider preparing for your meal in advance. You can cook ahead in the days before so you can just reheat and serve when it’s time to eat. 3. Have a Back-up Meal Plan Sometimes you don’t have a meal plan, and in those cases, quick meals, like Healthy Choice meals, are a great option. You can keep them in the freezer and just microwave when you need a tasty meal in a pinch. 4. Have a Snack If you need a little pick-me up during the day, a healthy snack can give you the boost you need. Healthy Choice Greek Frozen Yogurt is a great option. It’s like a rich ice cream, except it’s only 100 calries and is made with yogurt cultures and real fruit! I’ve tried the Strawberry and totally love it. I’m really looking forward to trying the Dark Fudge Swirl. 5. Sweets Do Not = Dinner Admittedly, I’ve grabbed a piece of chocolate or a handful of jelly beans to help stave off the hunger pains and it did not make me feel one bit less hungry. With a little planning (and a few meals in the freezer), you can help ensure that even when your days are hectic, or when you just don’t feel like cooking, you still have a healthy meal option you can enjoy and feel good about eating. How do you stay healthy when you’re on-the-go? Disclaimer: I am a member of the Collective Bias® Social Fabric® Community. This shop has been compensated as part of a social shopper insights study for Collective Bias® and ConAgra Foods #cbias #SocialFabric. All opinions are my own.
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WHAT WE DO We offer premium sustainable horticulture, landscape and ecology services to businesses and government clients, including ecological restoration projects, city garden creations, facility garden/grounds maintenance, plant installations projects, plant selection and advice. We can also complement large or small infrastructure projects with full softscape works and expertise. Wildflower uses a different approach to landscape services. We use methods and techniques that are sensitive to the land and enhance local ecosystems. Our focus is beauty and biodiversity, with an emphasis on softscapes, indigenous plants and food forests. Wildflower employs people that face significant and complex barriers to meaningful, sustainable work, bridging the disparity of opportunity that exists across our communities. We do this by providing a safe working environment through: Connection to community and country Providing a support network Celebrating diversity and inclusion We aim for these to lead to creating pathways for long fulfilling careers and build resilience and empowerment within the community, with a particular focus on Aboriginal youth and people. Wildflower acknowledges the Traditional Custodians upon whose ancestral lands we live and work. We pay respect to their Elders, past, present and emerging, and acknowledge the continuing connection Aboriginal and Torres Strait Islander people have to the land, sea, and community.
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Who We Are We are a company that is dedicated to offering fun, family friendly adventures in the Frank Church River of No Return Wilderness. We operate out of Challis, Idaho. We are passionate about what we do and look forward to sharing that passion with you and your family! - Full Service Guided Hunts - Combo Wilderness Elk, Mule Deer and Bear Hunts - DIY Drop Camp Hunts - Wilderness Elk Hunts in the Rut - Wilderness Mule Deer Hunts - Spring and Fall Black Bear Hunts - Wolf Hunts - Discounted Hunts For Youth
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Your beloved Sybil receives a stunning painted portrait of herself, but something is wrong. The painting is slowly transforming into a monster, and Sybil is changing with it! Someone is out for revenge against you and your closest friends. You and Sybil must work together to uncover the culprit and find a cure, before she becomes a monster permanently! Solve puzzles and uncover clues that will reveal the villain behind this scheme in this charming hidden-object puzzle adventure game!
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Dano's Dangerous Tequila ReposadoTequila Save $3.00 (7%) Aged for 9 months in virgin white oak barrels. Wonderful sipping tequila or for use in fine cocktails. Color: Light amber. Aroma: Gently toasted agave. Taste: Hints of almond and vanilla, with a soft oak flavor on the finish.
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News flash: Dining in Washington isn’t all about steakhouses and power lunches. The District of Columbia is now the fourth American city to snag a Michelin guide. From global cuisines that speak to its diverse population to upscale fare worthy of those coveted three stars (not to mention a bevy of beverage options), the nation’s capital has it all. Here’s where to go right now. Not into waiting in line at Aaron Silverman’s Capitol Hill hotspot Rose’s Luxury in Barracks Row? Reserve a table at Pineapple and Pearls, his all-inclusive masterpiece next door. Revel in 13 courses of food-meets-art, such as shrimp topped with coffee siphon-dispensed red curry sauce, or yogurt-filled fennel spheres served with absinthe and celery, fennel and green-apple juices.French Chef Cedric Maupillier’s double-fried chicken coq au vin at Convivial in Logan Circle is a perfect mashup of his native and adopted homes. His whimsical riffs on French bistro fare are served in “medium-sized” plates, from skate wing with octopus and crab bisque to corned pork belly with fines herbes and lentilles du Puy. Uptown in Columbia Heights, you’ll be giddy when you get the text saying your table is ready at Bad Saint. The 24-seat spot serves up bold, flavorful Filipino food from Chef Tom Cunanan. Happy diners have inundated Instagram with photos of clams with Chinese sausage and Sichuan peppers, and shrimp and sweet potato fritters (ukoy). If your tastes are more culinary than couture, skip Georgetown for Union Market, the airy vendor hall that hosts artisans of all sorts just northeast of the train station. Grab a knish and a house-made pineapple cardamom soda at Buffalo & Bergen. Taste estate oils and browse Tunisian olive-wood goods at The Cookery, then up your sous-chef game with a set of hand-forged cutlery from DC Sharp, a Japanese knife boutique. Before you go, slurp fresh, ice-cold Olde Salts with an oyster stout at Rappahannock Oyster Bar, run by Travis and Ryan Croxton. The two cousins operate their grandfather’s Rappahannock Oyster Co., and have revitalized Virginia’s oyster industry. Want a great drink? Head to Shaw. This neighborhood east of Logan Circle has emerged as one of the city’s hippest boozy enclaves. Derek Brown’s trio of adjacent spots appeal to fans of Sherry (Mockingbird Hill), American whiskey (Southern Efficiency) and pitcher cocktails and oysters (Eat the Rich). Most anticipated was the recent expansion of craft cocktail bar Columbia Room. Enjoy a seasonal tipple or Champagne tasting in the Tasting Room with its mosaic-tiled back bar, a la carte cocktails in the Spirits room or convivial concoctions in the Punch Garden. Around the corner at Espita Mezcaleria, Master Mezcalier Josh Phillips is eager to expand your mind and palate with this agave-based Mexican spirit—it’s not all about smoke. Order a flight of Elder Agaves, followed by the Smiling Rabbit cocktail, made with mezcal, Suze, lemon, pineapple and cinnamon. A few blocks away, ANXO Cidery & Pintxos Bar is the city’s first cidery. Beverage Director Tim Prendergast oversees one of, if not the largest, draft cider collections in the U.S., offering 22 ciders on tap, 30 by the glass and 100 by the bottle. The newly opened National Museum of African American History & Culture has a striking facade of intricately patterned bronze frames that evokes comparisons to ironwork architecture in Charleston and New Orleans. Nestled between the Potomac River and the Tidal Basin, the Franklin Delano Roosevelt Memorial is massive yet introspective. Four outdoor “rooms” represent his terms as president. Granite walls are etched with quotes, and water features depict major points of his life (chaotic falls for World War II, a still pool for his death). Across from the National Archives and Navy Memorial, the Cogswell Temperance Fountain was donated by crusader Henry D. Cogswell, who believed that access to clean drinking water would prevent imbibing. Snap a selfie with this relic of Prohibition, or meet there for one of author Garrett Peck’s entertaining Temperance Tours. 4 Hour Getaway Potables in Purcellville Escape the city for an afternoon in the Virginia countryside. Start with esoteric, barrel-aged beers like Ortolan Bunting (aged in Armagnac casks) or G/I/A/A IPA (matured in mezcal barrels) at Adroit Theory Brewery. For lunch, nosh on local Angus beef burgers and hand-cut fries at Market Burger Fries & Shakes. Afterward, head to Catoctin Creek Distilling Company, where affable owners Scott and Becky Harris will give you a tour and tasting of their award-winning Roundstone Rye, Watershed Gin and pear brandy. Last Updated: May 4, 2023
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How To Spend One Week in Tanzania Last Updated on May 13, 2023. 7 Day Itinerary: Tanzania Safari Breathe in the earthy scents of the great African wilderness as you pursue wildlife sightings on this 7 day Tanzania itinerary that takes you through 3 of the country’s national parks. Tanzania, famously known for being the home to the Serengeti National Park and Africa’s highest mountain, Mount Kilimanjaro, is supreme ground for wildlife encounters. - 7 Day Itinerary: Tanzania Safari - First Stop: Arusha (1 Night) - Second Stop: Lake Manyara (1 Night) - Third Stop: Ngorongoro Crater (2 nights) - Fourth Stop: Olduvai Gorge Tanzania hosts the Great Migration, the world’s largest and longest annual terrestrial mammal migration. An estimated ~1.5 million wildebeests accompanied by hundreds of thousands of zebras and antelopes stretch out into the vast horizon traveling north to the Maasai Mara in Kenya relentlessly searching for food and water. Predators, such as lions, leopards, cheetahs, and hyenas, lurk in the background, often hidden by the tall blades of the dry beige-colored grass. Staring upon the vast and seemingly endless plains of the Serengeti is overwhelming. The bountiful wildlife roaming the perpetual grasslands adds to the sensation. When to Visit Tanzania Wildlife viewings are always plentiful. Anytime between June and October, the long dry season, offers optimal wildlife sightings. While the exact timing can never be guaranteed as you are in search of wildlife, June and July are the best months to visit the Serengeti National Park to witness the wildebeest migration. If you visit the Serengeti National Park mid-to-late August, you may not see many of the migratory animals as they may have already migrated north to Kenya. During my visits to the Serengeti National Park in late August/early September on two separate trips three years apart, we saw only a few zebras and only one wildebeest. While the migratory pattern is fairly predictable, the exact timing can never be guaranteed. If you’re planning your trip around seeing the migratory animals cross the Mara River in Maasai Mara, Kenya, I’d recommend visiting Tanzania in late August and then picking up on Winetraveler’s recommended 7 day Kenya safari itinerary. This itinerary is also a great add-on for hiking enthusiasts venturing to Tanzania to hike Mount Kilimanjaro. I’d love to return to the Serengeti around February to witness the wildebeest calving season when an estimated 8,000 calves are born each day. Heavy rains may interfere with your trip if you’re visiting from March through May. Select a Tour Operator Selecting a reputable tour operator with experienced guides will maximize your safari experience. There are many companies to choose from at a wide range of price points. Earthlife Expeditions is a popular safari choice for those looking for a private and customizable trip with a mix of luxury and affordability and has received hundreds of 5-star reviews. Visit the Serengeti, Tarangire, Ngorongoro and Lake Manyara National Parks led by an engaging guide. Depending how much you’re looking to spend, accommodation options can be tailored to your budget. Price range per person can range between ~$1000-$3600 for multi-day trips. Everything is included, including hotel pickup and drop-off, meals, etc. For safety, a professional safari guide and AMREF flying doctor coverage is also included. Another similar option that offers fully customizable luxury or camping options is Rede Tours. Extremely highly-rated and led by passionate guides, with options to visit Arusha, Lake Manyara, Tarangire, Serengeti and Ngorongoro National Parks. Big Five offers unforgettable trips that are luxurious and adventure-packed. The average price range of their Tanzania tours presently range from ~$700-$3,000 per person per day. Our Tanzanian guide with Big Five was excellent, brilliant at bringing us within arms’ reach to plentiful wildlife, extremely knowledgeable about the wildlife and his country, and his excited energy was contagious. Peak Planet, the outfitter that guided us up Mount Kilimanjaro and exceeded all of our expectations, offers safaris in Tanzania ranging from 1 to 6 days. Peak Planet’s 6 day luxury tour option is presently listed at $3,560 per person for double occupancy. Park fees, hotel pickup/drop off, lodging, safari vehicle, guide, and meals are all included. Getting To and Around Tanzania Fly into the Kilimanjaro International Airport (JRO) and then drive to Arusha. Checking flights to Nairobi and then transferring to Arusha may be worthwhile as flights to Nairobi are often cheaper. We recommend arranging a private transfer ahead of time. Alternatively, you can rent a car. Browse and compare flight deals on Kayak. The day-to-day driving in the parks and transferring you between parks is in safari vehicles driven by experienced guides, depending on the tour operator you choose that we mentioned above. From the Serengeti National Park, where this itinerary concludes, you can either continue onward to Kenya, or transfer back to Arusha to return home or continue onward to other adventures. If you’re returning back to Arusha, taking a small charter plane with The Flying Safari Company may be preferable as the drive back to Arusha is ~6 hours. If you intend to drive back, consider saving Ngorongoro Crater for the last stop to break up the driving First Stop: Arusha (1 Night) Where to Stay in Arusha The luxurious Arusha Serena Hotel Resort & Spa, a former coffee farm during colonial times, is nestled within tropical forests, gardens, and at the edge of Lake Duluti. The huts are made of large concrete gray blocks with rounded triangular-shaped thatched layered roofs and triangular entry archways leading into each individual room. Lakeside dining is available. Another hotel option to consider is Elewana Arusha Coffee Lodge. Second Stop: Lake Manyara (1 Night) Lake Manyara National Park is a great first stop offering an introduction to African safaris on your way to Ngorongoro Crater and the Serengeti. It is a smaller park with a large saltwater lake, green forestry, grasslands, and acacia trees, tree-climbing lions, hippos, a large elephant population, abundant birdlife of over 300+ species, huge flocks of pink flamingos, and boasts having the world’s largest concentration of baboons. The numerous pink flamingos, while seen from a distance, made the lake appear to have patches and streaks of pink. We easily came across hundreds of baboons sporting large canine teeth and hairless bottoms traveling in troops of 40-50. Tiny baby baboons clench onto the mother’s fur underneath her tummy, and then ride on top of her back as they get older. Other notable commonly seen animals include zebras, giraffes, warthogs, wildebeests, buffaloes, hippos, impalas, and gazelles. Leopards and especially cheetahs are rarely seen. Where to Stay by Lake Manyara The idyllic Lake Manyara Serena Safari Lodge, at an altitude of over 4,600 ft. above sea level, sits high above Lake Manyara with views of the Great Rift Valley. The rooms are in 2-story circular towers with rounded triangular-shaped thatched roofs and balconies overlooking the park. The inviting swimming pool is near the bar, which had live local entertainment during our stay. A bush dining experience is available, and an experience I recommend at least once during your safari trip. Third Stop: Ngorongoro Crater (2 nights) Ngorongoro Crater, a once massive volcanic mountain, turned into the world’s largest intact and unfilled caldera upon its collapse. The caldera, a UNESCO World Heritage Site, creates a natural barrier preventing many of the estimated 25,000+ animals inhabiting the area from leaving. The steep forested rim plunges ~2,000 ft. down to an expansive crater floor encompassing an area of ~102 square miles. Abundant wildlife populate the flat grasslands of the crater and it’s possible to see the Big Five (lion, elephant, Cape buffalo, leopard, and rhinoceros). Lionesses may be seen lazily laying in the road or underneath the shade of a tree, stretching, yawning, and licking the red blood staining the fur around their mouths. Lionesses and cheetahs are often seen stalking gazelles. Seeing a kill is less common to witness, but it’s exciting to sit there in anticipation and maybe watch a chase. Warthogs, gazelles, zebras, and herds of buffalo and wildebeests graze. Elephants, hippos, ostriches, jackals, and hyenas are also common. Over 500 species of birds have been recorded. Black rhinos may be spotted, but are rare. We saw one far in the distance, but it was so far, it appeared no larger than a speck without binoculars. Giraffes are rarely seen in the crater. Where to Stay in Ngorongoro Crater Ngorongoro Sopa Lodge is situated high above the crater at 7,800 ft. above sea level with rooms stretching out along the crater’s rim. The rooms feature a large private enclosed veranda complete with rocking chairs and ceiling-to-floor bay windows overlooking the magical world enclosed within Ngorongoro Crater. The furnishings appeared a tad dated, but the room was spotless, comfortable, and spacious. The most memorable feature of the lodge during our visit was having numerous blue monkeys playfully wandering around. They were everywhere and climbed on everything. Winetraveler Tip: Bring a warm sweater, jacket, or both as it gets cold at the top of Ngorongoro Crater. I was not prepared for the cold mornings and evenings, which were in the low 40s°F during our trip in late August. Fourth Stop: Olduvai Gorge Drive back in time to the Stone Age by visiting the famous archaeological site and small stone museum at the Olduvai Gorge dedicated to Louis and Mary Leakey’s discoveries of the earliest humans. Fifth Stop: Serengeti National Park (2 nights) Serengeti National Park, a UNESCO World Heritage Site, is Tanzania’s oldest national park and is quite possibly Africa’s most famous park since the astonishing annual migration takes place here. The expansive park spans 5,695 square miles and is home to the Big Five along with numerous other animals. Winetraveler Tip: At the entrance to the Serengeti where there is a picnic area and bathrooms, there is a very short uphill trail that offers breathtaking panoramic views of the vast and seemingly endless plains of the Serengeti. The name Serengeti meaning “Endless Plains” is perfectly fitting. Sporadic, often lone, acacia trees stand out along the vast expansive savannas and grasslands. Lions, cheetahs, elephants, giraffes, zebras, wildebeests, buffaloes, hyenas, gazelles, and topis are common. Leopards are hard to spot, but they are there. Black rhinos are extremely rare to see. With 500+ bird species, it’s a paradise for bird lovers. It’s believed the Serengeti hosts Africa’s largest population of lions. We came across more lions and prides than I could track, several cheetahs often seen in pairs, and a leopard walked right in front of vehicle while the remains of her hunted gazelle hung down from a nearby tree. Most of these sightings were within arms’ reach. Watching the big cats interact, stretch, play, sleep, and eat reminded me of ordinary household cats just in larger sizes. Herds of powerful and majestic elephants ranging from ~20 to 70 are often seen crossing the road with the baby elephants sheltered in the middle. There is a hippo pool where over 100 hippos huddle closely together. The odor is repugnant, but watching their interactions is hypnotizing. Undisturbed hippos appear so calm, it’s hard to imagine they are one of the deadliest animals in Africa to humans, until you see them scare off large crocodiles. The immense power in their jaw is instantly evident when they open their mouths widely revealing their large lower canine teeth. They are known to be able to snap canoes in half. Where to Stay in the Serengeti The Serengeti Serena Lodge, easily my favorite of our Tanzanian lodges, sits at 4,859 ft. above sea level. The rounded stone lodges feature private balconies, conical thatched roofs and spacious interiors furnished with beautiful African-style décor. Its location up on a hill offers expansive views of the Serengeti and the wandering wildlife. The pool deck is the perfect place to soak in an enchanting African sunset while sipping on a glass of wine or enjoy mimosas served with breakfast. Winetraveler Tip: Travelers desiring to splurge on an ultra-luxurious accommodation, check out One Nature Nyaruswiga Serengeti. You can read more and get inspired by Lenore’s other adventurous travel guides here.
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After you are rear ended, you will most probably sit in your car for some time out of shock, and then venture out to find the contact and insurance information of the other driver. You will check your vehicle for damages and wait for the emergency services to arrive. Usually the pain will hit you after some time, and you will start becoming aware of the different injuries you have sustained. The first thing you are likely to notice are the cuts and bruises, since they will be clearly visible. However, you will also have aches and pains in different parts of your body, which need to be checked. Usually, most people consult their regular physician after an auto accident. However, there are certain auto injuries that can remain undetected by regular physician’s examination, and therefore it is important to consult chiropractor Greenville, NC. The chiropractor is a specialist, who can correctly diagnose and treat problems relating to connective tissues, spine, nerves, and certain organs. Your Doctor does not Know Everything Auto injuries that remain undetected by regular examination are easily detected by an experienced chiropractor. It is very important to detect these auto injuries at an early stage, as they can cause severe problems later if they remain untreated. In many cases, the accident victim may not show any symptoms of tissue damage, and injury might take weeks or even months to surface. Therefore, you need to consult a chiropractor Greenville, NC immediately after an accident, to make a correct evaluation of your condition. Minor symptoms like tingling sensations, numbness, coldness, stiffness, or even irritability are important clues for a chiropractor, who will be able to gauge the extent and type of auto injuries that you may be suffering from these symptoms. It is important that you do not ignore any symptoms after an auto accident and consult a Chiropractor as soon as possible, even if you are not in pain or feel “fine”. Auto injuries may take time to surface, and when they manifest symptoms quite late, the injury would have become quite serious. By such time, it will be more difficult to treat the injury, and it might result in some permanent damage as well. Therefore, consulting an experienced chiropractor Greenville, NC, specializing in auto injuries should be your priority after you have suffered in any accident. Do not be complacent or wait for symptoms to surface, since that can cause more damage and make the issue more serious.
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Avon Academy dismisses classes early after student found with gun AVON, Ind. (WISH) — Afternoon classes were canceled Friday at Avon Academy after a student was found with a handgun on campus, school officials say. On Friday morning, a student at Avon Academy notified an employee that another student brought a handgun to school. School officials immediately responded and assisted the Avon School Police Department and found the student did have a gun. Avon Schools Corporation told News 8 that all students and staff were safe and classes were being held while police were on the scene. At 10:30 a.m., students and staff were released from the classroom hold and met with school counselors before going home. “The safety of our students and staff is our highest priority here in Avon Schools. We regularly tell our students and staff that if they see something they should say something to a trusted adult. We are incredibly proud of the student who heeded that advice this morning.” Kevin Carr, Communications Coordinator for Avon Schools Corperation Avon Academy is a program serving 60 high school students from grades 10-12 that meets at the Avon Schools Administration Center.
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20.7° overcast clouds Welcome to Woodlane We opened, on our present site, by the London Borough of Hammersmith & Fulham in February 2000 and provide specialist support for pupils with a range of barriers to learning. Stay Up To Date Every year we survey our pupils to gain their views on Woodlane High School and our practices. The senior managers and governors are pleased with this year’s results, however, we are always aiming for 100% in every area! Here is a summary of our February 2023 pupil responses: Please download the following below: I am writing to inform you of an exciting opportunity for your child to take part in extra Music sessions at Woodlane. In addition to KS3’s music lessons on a Monday, the school will now be hosting Sounds Like Hammersmith & Fulham sessions at lunchtimes on Mondays too, starting on Monday 3rd October. School will be closed for the state funeral of Queen Elizabeth II on Monday 19th September 2022. Woodlane High School will be hosting a Virtual Open Evening on Wednesday 21st September from 4pm. Every year we survey our staff to gain their views on Woodlane High School and our practices. The senior managers and governors are pleased with this year’s results, however, we are always aiming for 100% in every area! Here is a summary of our 2022 staff responses: Thank you to parents and carers for your responses to our questionnaire. The total response rate was 25, which was 23% of school population. Please download the full summary below. Summary of parents/carers who answered each question: It should be noted that our response rate was approximately 50% lower than usual (the data was collected online for the first time). We are delighted that we have now been awarded the ‘Wellbeing Award for Schools’. The award recognises the hard work of the entire Woodlane community in placing mental health and wellbeing as one of our highest priorities. A huge thank you to governors, staff, parents and pupils for their contributions. As always, our door remains open to anyone seeking support or guidance. Please download our certificate and verification report below. Here are some highlights: ‘It was clear from the meetings with colleagues that management and staff are passionate about promoting wellbeing and also have the skills and support they need to do this effectively. Students clearly feel safe at the school and can articulate both how Woodlane supports their EWMH and also how they can manage their own feelings and help others. Overall, a most impressive school.’ ‘The school feels welcoming and friendly. Colleagues and students acknowledge each other (and Award verifiers!) and interactions are kind and thoughtful.’ ‘I was impressed by the confidence and openness shown by the students during my conversations with them.’ ‘Kindness and wellbeing are enshrined in the school’s professed values and these messages are clearly replicated around the school.’ Every year we survey our pupils to gain their views on Woodlane High School and our practices. Given the significant challenges of the past two years, the senior managers and governors are pleased with this year’s results, however, we aim for 100% in every area next year! Please download the attachments below for further details. The governors and senior leaders are pleased to present our long-term strategic plan. Our intention in developing this plan is to set out and communicate our ethos, values, aims and the long-term direction for the school, so our stakeholders are clear on where we are going and what we are aiming to achieve. This strategic plan was created by the governing body, senior leadership team, and staff representatives. Representatives from each group attended a bespoke strategic planning day with an external training provider, Head’s Up, where ideas where shaped and refined. It should be emphasised that our over-arching priority is to ensure each and every pupil attending Woodlane receives an ‘outstanding’ education, both academically and pastorally. This will remain the most important thing we do! It is anticipated that our strategic plan will evolve over time as priorities are explored and planned in further detail. It is complemented by our School Improvement Plan (SIP), which is our annual operational plan. Our School Improvement Plan is comprehensive and its aim is to tackle small areas for improvement so they do not grow into larger ones. We are proud of the school’s achievements and think these should be celebrated, however, our philosophy is that we are always learning and will never stop improving, aiming to be even better than ‘outstanding’. Please contact us if you have any questions or suggestions. A Culture of Excellence "Leaders, governors and all staff work tirelessly to provide high-quality learning experiences for all pupils. There is a culture of excellence throughout the school." Ofsted 2019 Outstanding Teaching and Learning "The quality of teaching and learning is outstanding. This is because teachers’ subject knowledge is strong and they plan lessons that are highly personalised to the needs of every pupil." Ofsted 2019 Our Curriculum Offer "The curriculum offer is impressive, providing a wide range of academic, vocational and therapeutic learning opportunities. Specialist staff and external agencies work highly effectively with teachers to enrich pupils’ experiences." Ofsted 2019 Outstanding Pupil Behaviour "The behaviour of pupils is outstanding. Pupils respond enthusiastically to the school’s positive behaviour system, which rewards them for being good role models." Ofsted 2019 Our Transition Arrangments "Parents say that staff make all transitions for pupils as smooth as possible. They say that staff ‘go the extra mile’." Ofsted 2019
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Events, such as the Russia-Ukraine war, spiraling global debt and the looming climate crisis, are exposing a systemic failure to appropriately analyse geo-political risk Major financial firms have always been reluctant to talk about geo-political risks, at least publicly. They have been comfortable in a globalised world where the growth of international trade and cross-border investment made the deep political fissures of the Cold War seem like a distant memory. This has left them ill-prepared for a new era of sustained geo-political turbulence. Many did not even analyse the potential risks to their business thoroughly because they did not view some of the more cataclysmic risks – such as a war in Europe – possible, or because the issues raised are just too sensitive – such as with China and the threat it poses to Taiwan. The disruption caused to global trade and the international financial services sector by the Global Financial Crisis of 2008–09 seems like a bump in the road when compared to the huge craters being caused by the Russian invasion of Ukraine. The immediate consequences with the massive spike in energy prices and the draconian sanctions are hard enough for many economies and businesses to swallow, but the effects are going to stretch far and deep beyond that. Resilience has become a popular concept for financial institutions to talk about but, all too often, it has been resilience to those risks that are more predictable and the impact of which can be quantified with a reasonable degree of certainty. Those critical uncertainties, only visible in the far distance of horizon scanning exercises, were often passed over. Brexit provided a jolt to that complacency for firms with well-established cross-border business between the European Union and the UK but it was the COVID-19 pandemic that made boardrooms think harder about those risks it had previously pushed into the background as unthinkable. Failure to prepare Pandemics had long been on the list of major threats to society, economies and financial institutions but, if they are being honest, few western governments and businesses seriously explored the possible impacts and put in place robust contingency plans for a pandemic. The huge public relations disaster of the way the insurance industry – especially in the UK – responded to business interruption insurance claims from businesses forced to close by lockdown measures, amply demonstrates how unprepared major business sectors were for a pandemic. That was one wake-up call. It may have had the bosses of the world’s financial institutions looking harder at what might be looming on the far horizons of business risks but it still did not elevate geo-political threats to the top of many boardroom agendas. It would be unfair to characterise all firms as blinkered when it comes to geo-political risks, says Oksana Antonenko, a Director at the Global Political Risk team at Control Risks. She told World Finance that regulators must also share some of the blame for overlooking these threats, by forcing firms to focus their risk management expertise elsewhere: “Financial regulation has not developed a sound, consistent, coherent and rigorous approach similar to that which firms were required to adopt after the global financial crisis. That introduced stress testing for financial risks but did not do the same for geo-political risks.” Antonenko continued: “Unless there is a regulatory requirement to undertake this and regulators in the west require financial institutions to publish geo-political risks analysis they will not do so. They won’t get visibility and financial institutions will not talk. There were some requirements, especially in the US, to look at emerging risks but there has never been a clear definition of what these risks are.” She also points to the perils of talking openly about geo-political risks, highlighting the loss of licences by some firms in Turkey when they voiced concerns about the reckless economic policies of Viktor Orbán’s government. Similarly, the silence from major financial institutions on the risks China poses is deafening. No one will talk about them. The fear of upsetting crucial client relationships is all pervading, and many firms cite genuine concerns for the safety of their staff in China or the families of London-based Chinese staff if they are seen to venture opinions that might be interpreted as hostile in Beijing. Russia’s assault on Ukraine has potentially changed much of this reticence. Now, financial firms are looking at their exposures to a wide range of geo-political hazards and, in particular, the risks of getting caught by suddenly imposed sanctions or enmeshed in social unrest ignited by growing internal tensions and economic pressures. The response of western liberal democracies to Russia’s invasion of Ukraine has surprised many in its strength and unity and has added to the volatility across the world’s financial markets. Measuring, predicting and protecting against the consequences of that volatility is now a priority. “Many firms do now have teams embedded at a senior level and are now looking at these risks in a more rigorous fashion,” says Antonenko. There are many ways of looking at these threats and trying to make sense of them using the various scenario planning tools that academics have developed. Plotting the risks on a matrix that maps both the critical certainties and critical uncertainties is one favoured tool for bringing out the threats – and the opportunities (see Fig 1). Those that are placed on the far left of the certainties matrix are the issues that should already be part of day-to-day business planning, strategy and delivery. Moving across the matrix are the issues surrounded by a higher degree of uncertainty. It is those that migrate to the top right hand corner – extreme uncertainty but with potentially high impact – that should attract the most attention but which are often put in the ‘too hard’ tray. Potential for escalation Other tools embody the notion of horizon scanning to draw out the major disruptive threats to their business. “Horizon scanning is vital in this area. In many ways the Ukraine crisis has been one of the key risks to watch since late last year. We certainly saw the potential for escalation,” says former BBC journalist and anchor Susannah Streeter, now senior investment and market analyst at financial firm Hargreaves Lansdowne. Streeter adding: “Because the horizons are often further away it tends to be the current risks that concentrate minds and are pushed to the top of the agenda. We saw this with the pandemic. The risks to Europe were downplayed, even when it took hold in Italy. Countries didn’t move up to that emergency gear until it arrived in their own countries.” Many scenario planning tools categorise each risk as is plotted on their matrix or across their horizon. This helps highlight the sort of knowledge and expertise needed to understand the issues. The most common categorisation is PESTEL (Political, Economic, Socio-demographic, Technological, Environmental and Legislative). This also makes it easier to see the potential connections, how one event can act as a trigger for another, something highlighted in a recent Informed Insurance report from leading corporate law firm DAC Beachcroft. In the context of Ukraine, this immediately connects energy conflicts, trade disputes and sanctions, terrorism and cyber-attacks with social unrest also looming large in this complex risk scenario. It also shows how dramatic geo-political events can quickly cut across other priorities, such as the fight against climate change and the development of broad environmental, social and governance (ESG) strategies, says Helen Faulkner, head of insurance at DAC Beachcroft: “Up until the Russian invasion of Ukraine the emphasis in insurer ESG strategies was firmly on the environmental aspects. Ukraine has not so much diminished that focus but brought the social and governance issues to the fore as well.” Financial firms are looking at their exposures to a wide range of geo-political hazards Faulkner explained: “Energy strategies are at the heart of the European response to the invasion as we all rush to disconnect our reliance on Russian gas and oil. This could either set back the shift away from fossil fuels, or accelerate it as nuclear energy and renewables enjoy increased government investment.” Global supply chains have been sensitive to concerns about environmental sustainability and have been very focused on reducing their carbon footprints, especially following the COP26 Summit in Glasgow last November, which imposed new net zero targets on international transport by road, sea and air. The war in Ukraine has forced firms to change priorities says Oliver Chapman, CEO of supply chain specialist OCI: “Everyone was trying to do their best on sustainability and reducing their carbon footprint. But their number one priority is to make sure their supply chain is secure and this means sustainability has taken a bit of a lower priority. It still matters, but if a business has to put more trucks on the road to keep its business going then that is what it will do.” The ‘S’ and ‘G’ parts of ESG will also come into sharper focus, according to Faulkner: “The social part of ESG is also important. How businesses treat refugees will be judged as much as how governments treat them. From how easy financial institutions make it for refugees to get insurance cover and banking services, to offering them employment opportunities, will all come under the microscope of public opinion. Governance is also crucial as sanctions are extended and enforced. Most insurers and brokers have withdrawn from Russia but the complexity of international sanctions requires constant review and monitoring.” Serious questions to be asked Sanctions are one of the major hazards and have myriad consequences for financial institutions and the economies of the western liberal democracies that have implemented them. “It was a surprise to see such unity of purpose, especially how quickly the Europeans adopted sanctions that have damaged their own economies, especially in relation to energy costs,” says Antonenko. Further adding: “There is a serious question around how sustainable this will be over time. This could go on for months, if not years, and the price will be quite high for Europe.” The price could be high for businesses that get it wrong too, warns Streeter: “It is the reputational risk that really worries firms. Even when governments haven’t necessarily imposed specific sanctions there is the court of public opinion holding firms to account. Some took longer than others to withdraw from Russia but the power of social media gradually impacted some major global brands and forced them to act.” Nuanced positions are hard to sustain in the face of strong, often sharply polarised, public opinion, Streeter continues: “HSBC’s standpoint on the Hong Kong protests in calling for stability seemed to many to be supporting the authorities. It shows just how difficult it is to walk that tightrope.” Wherever you look, sanctions compliance is an issue, says Chapman. Many of his clients have complex international supply chains and feel very exposed to the potential risk of making a mistake by inadvertently dealing with a sanctioned entity. “There has been a huge focus on due diligence. It is now important to look beyond your own suppliers and look at their suppliers and their suppliers’ suppliers. What we don’t know is how these will be implemented and enforced over time and what sort of fines and penalties could be issued for breaching them in some way,” said Chapman. Antonenko agrees: “Compliance is very difficult. There are just hundreds and hundreds of people and firms on the sanctions lists. We are seeing over-compliance at the moment with banks being very cautious. One consequence could be that sanctions will encourage the rise of cryptocurrencies. They are certainly going to benefit from this.” The crypto markets At the moment, the price of bitcoin and other leading cryptocurrencies does not show much impact from the Ukraine conflict. Since the heavy build-up of Russian forces on Ukraine’s border started last November, the price of bitcoin has fallen by 50 percent with trading levels relatively low. The cryptocurrency markets are not exhibiting the sort of volatility you might expect if firms were switching to them, either to facilitate legitimate payments or find a way of getting round sanctions. Many of the key sanctions are financial, including the effective freezing of assets held abroad by Russia’s central bank and selected Russian commercial banks, and the exclusion of most Russian intermediaries from the SWIFT messaging system used to facilitate cross-border transactions among banks. The tough sanctions imposed on the large foreign currency reserves Russia has built up caused many a sharp intake of breath across the international money markets, but perhaps were only to be expected once the major western economies and Japan started to move to isolate Russia financially. The freezing of the reserves is directly linked to the desire to limit Russia’s ability to finance its war against Ukraine. The Bank of Russia had accumulated more than $600bn of international reserves, including gold (see Fig 2). This was a 50 percent uplift over five years and, in retrospect, is being seen as laying the ground for financing the expansionist policies of the Russian regime. This will be an area where sanctions could develop quickly. Economists Richard Berner, Stephen Cecchetti and Kim Schoenholtz, writing for the VoxEU research and analysis website, warn: “Sanctions trigger an arms race. Once in place, the target looks for paths to evade them, while those imposing sanctions work to increase their effectiveness. Put differently, sanctions are a game in which one party looks for leaks to exploit while the other works to plug the holes. Furthermore, an essential aspect of the arms race is that the two parties seek to demonstrate their resolve in an effort to convince the other side to concede. Consequently, the most important aspect of effective sanctions arguably is a credible commitment to modify and update them as needed – that is, to do whatever it takes.” It is the ripples that are already spreading out further that will cause the most concern, as they bear all the signs of a financial contagion that could be hard to contain. A problem exacerbated One part of the international financial markets that has already felt the impact is the sovereign debt market. On April 12, Sri Lanka announced that it would suspend payments on the $35bn it owes the world. This is not solely a consequence of the Ukraine conflict. Its impact on energy and commodity prices quickly exacerbated an already shaky economy and a country beset with social unrest. Less than a month later, on May 9, the government fell. This is where the shifting sands of geo-political power games start to have a serious impact on financial stability. During this century, many emerging economies have become heavily indebted to China. According to the World Bank, 60 percent of the poorest economies are in debt distress or at high risk of it and with interest rates rising across the world this could turn out to be a conservative figure. The problem here is that the prospects of co-operation between western lenders and China on debt restructuring is being diminished by the strains of the Ukraine conflict. So nervous eyes are being cast towards South America, where serial defaulter Argentina is already sending up distress signals and the political instability already very visible in Venezuela, Chile and Colombia is already nurturing economic and financial crises. Colombia has been gripped by political unrest for over a year, when an unpopular attempt to reform taxation was a trigger for popular anger. Sri Lanka shows how social unrest can quickly escalate in major political and economic upheaval. Social unrest often leads to a chain-reaction with political authorities implementing tough, sometimes brutal, responses. The issue is how much you are prepared to put at risk in terms of your balance sheet and shareholder funds These, in turn, lead to calls for sanctions and for businesses to withdraw from countries. Antonenko said: “Social unrest will become more frequent in the second half of this year and into 2023, especially as the knock-on effects of the lack of harvests from Russia and Ukraine are felt. The potential for a crisis in the food chain is very high and it will be sustained. Commodity price pressures coming on the back of over-stretched public finances in the wake of the Covid pandemic mean that even developed economies will suffer, especially with higher inflation.” With Ukraine being one of the world’s largest producers of wheat and cereal products and its last major port not in Russian hands, Odesa, blockaded, the prospect of a major crisis in the food chain is looming, says Streeter: “The big issue we have here is the commodity impacts which are adding to the inflationary concerns around the world. Emerging economies, such as Egypt that imports so much wheat, will come under severe pressure. Around the world we will see rising social unrest as prices rise.” A wake-up call Europe and the US will not be immune from the impacts of this, says Antonenko: “This could rekindle the populist movements we saw rise in the last decade. The signs are already there. It is really shocking that Le Pen got 42 percent of the vote in France. It is a wake-up call for all of Europe and the US.” All the while, China simmers in the background. Western concerns about its treatment of the Uyghur minority in Xinjiang and the suppression of democracy of Hong Kong may not be in the headlines now but they have not gone away as issues that have increased western antipathy to the current Chinese Communist party leadership. It is the prospects of escalating tensions in the South China Sea and a Chinese invasion of Taiwan – the “reunification of the renegade province” as Chinese leader Xi Jinping calls it – that should cause the most concern. Predicting anything with China is notoriously hard, says economist George Magnus, an associate at the China Centre, Oxford University and author of Red Flags: Why Xi’s China is in Jeopardy. “The idea you can articulate exactly what might happen in five to 10 years is almost impossible. People will take a view and say the likelihood of a shooting war in the South China Sea is less than five percent and so I’ll back my 95 percent judgement that it will be okay. Good luck with that. It might turn out that way but nobody can be certain. The issue is how much you are prepared to put at risk in terms of your balance sheet and shareholder funds.” Magnus continues: “They should be on the defensive if they say that because there is a strategically adversarial relationship between China and the rest of the world, the liberal democracies. You have to be pretty brave to say that it doesn’t matter.” It does matter, says Antonenko. China might be distracted as it struggles with the implications of its zero-tolerance policy toward Covid but it is a major player in the world’s response to the Russian invasion of Ukraine: “China has stayed neutral and has so far provided an avenue for Russia to bypass western sanctions. This will see China becoming increasingly dominant in the Russian economy.” Antonenko adds: “China is unlikely to change its own strategy and plans for Taiwan. It will continue to view Taiwan strategically, not opportunistically, although it will try to measure the likely western response. It sees the US distracted and committing resources to defend and later rebuild Ukraine.” The pictures of the destruction in major cities in Ukraine give an idea of what that rebuilding might entail. Estimates of the cost are very speculative at this stage but are already north of $700bn: by comparison the post-WW2 Marshall Plan cost $160bn at today’s prices. Financing this will have major implications for government debt, bond markets and infrastructure capacity and investments for decades to come. There are few causes for optimism that this might be a short-lived disruptive phase in the evolution of a globalised world, says Antonenko: “We need to acknowledge that the rest of the world beyond the G7 and EU are largely sitting on the fence in this conflict. This is not going to change so we are entering a new Cold War era with the world divided.” Clearly, there is now a well-entrenched understanding that we are in an era of geo-political turbulence. There is no clarity on when or how we might arrive at a new system and a global settlement. This could take many years.
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Antar Mamo Bikoshito Karo by Dr. Shishir Majumdar ebook pdf . Name of Book – Antar Mamo Bikoshito Karo, Author Name- Dr. Shishir Majumdar, Book category-Bengali Novel Book, Book Size- 16 MB, Book Pages- 254, Antar Mamo Bikoshito Karo by Shishir Majumdar ebook pdf. Antar Mamo Bikoshito Karo is a first Bengali Novel Book of Dr. Shishir Majumdar. He was written so many story in various Magazine. Some years ago he was written some heartiest short story Ghase Dhaka Mati and a story Jakhan Andhakare, Ayna, and more short story the ‘Bipanna Hriday’, ‘Rode Rang Jotsnar galpo’ was published. He was written some poem ‘Mrityu Din’ Samayer Prarthana, Niruddha Abeg, Biruddha Bishwas. The Antar Mamo Bikoshito Karo Bengali Novel Book was written in the background of Kolkata and British. There are many real images of the lower middle-class society and many psychological conflicts here of Britain. We find in this book the analysis of many characteristic minds and many intricate mental problems have been analyzed. Readers you can get this book Antar Mamo Bikoshito Karo as pdf from this page below.
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CC-MAIN-2023-40
https://www.worldmets.com/dr-shishir-majumdar/antar-mamo-bikoshito-karo-by-dr-shishir-majumdar-ebook-pdf/
2023-09-27T11:21:59Z
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09:17 | 17.020 Unstoppable Geno - European Championship Finished with the Anthem of Georgia! The 2020 European Championship finished with the anthem of Georgia in Rome, Italy. Geno Petriashvili (125 kg) won the first gold medal in freestyle wrestling for the Georgian delegation. 21:42 | 16.020 Lomtadze's Silver and Kenchadze's Bronze at European Championship The Georgian freestyle wrestling team won silver and bronze medals at European Championship in Rome, Italy. World champion Beka Lomtadze won silver medal in 61 kg. The Georgian beat Romania’s Nikolai Okhlopkov 10:0, Moldova’s Leomid Colesnic 10:0 and Azerbaijan’s Intigam Valizade 2:1. In final Lomtadze lost to Russia’s Aleksandr Bogomoev 2:3.
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https://www.worldsport.ge/en/Wrestling
2023-09-27T11:38:20Z
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Understanding how cancer cells modify white blood cells to help tumours grow Dr Hidalgo wants to better understand how cancer cells ‘reprogram’ our white blood cells, helping cancers to grow and preventing immunotherapies from working. Hope for the future Immunotherapy is a powerful type of targeted cancer treatment that works by harnessing the power of our own immune system. Each type of immunotherapy works differently, but they all ultimately aim to target and kill cancer cells. A particular type of immunotherapy called ‘immune checkpoint inhibitors’ can now be used to treat many cancer types, but unfortunately, they have not had much success at treating breast cancer or lung cancer. One reason for an immunotherapy to not work may be because cancer cells can ‘hijack’ our immune system. By better understanding this reprogramming, Dr Hidalgo hopes to identify new targets for immunotherapy that will lead to better treatments for many cancers, including breast or lung cancer. Meet the scientist Dr Hidalgo is a new dad, so hobbies are a bit on hold at the moment. But he loves to spend time with his girls at home and, when he can, take his bike for local rides. He also loves movies and, he confesses that he also has a blast discussing science with colleagues and people in the lab. Some cancer cells can hijack the biological properties of a type of white blood cell called a neutrophil. As cancer develops, the cancer cells instruct the neutrophils to form new blood vessels and protect the cancer cells from other anti-tumour immune cells. These modified neutrophils help cancers to grow, and this interaction tends to lead to poorer outcomes for patients. Despite being the most abundant immune cells in human blood, at the moment, very little is known about how neutrophils are reprogrammed, whether they are reprogrammed differently in different cancer types, or how immunotherapy might reverse the programming in order to fight cancer. Luckily, Dr Hidalgo and his team are experts in neutrophils! They plan to answer these questions by building up a map showing how neutrophils develop during the progression of cancer. By better understanding the process by which neutrophils are reprogrammed, Dr Hidalgo hopes to find new cures, particularly for cancers such as breast cancer and lung cancer where neutrophil numbers are high and immunotherapies are not currently successful. The funding from Worldwide Cancer Research will give us the freedom to explore new questions and to make progress in the fundamental biology of cancer immunology.Dr Andrés Hidalgo Become a Curestarter and help us fund the next pioneering research project. Our research projects wouldn't be possible without the funds we receive from people like you. Just £24 can pay for an hour of research.Support us
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CC-MAIN-2023-40
https://www.worldwidecancerresearch.org/what-we-do/our-research-projects/understanding-how-cancer-cells-modify-white-blood-cells-to-help-tumours-grow/
2023-09-27T12:54:13Z
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If you are serious about SEO, learning how to use internal links is essential. Internal links can help boost your SEO by increasing the authority of certain pages and improving your site’s overall user experience. Internal linking provides a great opportunity for businesses to direct visitors to more relevant content on their websites. It also helps search engines understand the structure of a website – which pages are most important, where related content is located, and so on. Not only does this give search engines an easier job when crawling your site, it also helps drive your page rankings up as well! In addition to making things easier for search engine crawlers and helping with page rank, WordPress internal links make it easy for users to navigate a website. Introduction to Internal Links and SEO The introduction of internal links is an important part of a successful SEO strategy. Internal links are hyperlinks that link from one page within your website to another page within the same website. Internal linking can be used to create strong navigation and page hierarchy, making it easier for search engine crawlers to find and index your pages. It also helps visitors navigate seamlessly through your website, improving their overall user experience. Internal linking also provides invaluable SEO benefits such as reducing bounce rate, increasing average time spent on site, and most importantly improving the ranking potential of each web page by allowing more efficient distribution of link juice or authority throughout the entire domain. Linking between related content is advantageous since it strengthens keyword relevance which increases the chances of ranking higher in search results for those keywords. How Internal Links Help Search Engines Crawl your Site Internal links are essential to helping search engines crawl your website. By strategically linking pages within your site, you can encourage crawlers like Googlebot to discover and index more of your content. If done correctly, this can help improve your overall ranking in the search engine results pages (SERPs). Link building is an incredibly important part of SEO success. Internal link building is just as vital – it helps search engines understand how all the pages on your website are connected and related. You should aim to create a clear link structure that makes navigation easier for both users and bots alike. This will enable them to easily crawl all parts of your website and uncover new content quickly. A good internal linking strategy ensures that each page on your site has a place in the hierarchy of information, making it easier for search engine algorithms to determine what each page is about. Worth reading Website Design Principles for Your Local Business Site Benefits of Placing Internal Links Strategically Do you have a website or blog that is looking a little stagnant? Placing internal links strategically can help boost the performance of your page, improve SEO rankings and make navigating around your site much easier. Internal linking has many benefits – here are just a few reasons why it should be part of your content creation strategy. First, placing internal links strategically can help to keep visitors on your page for longer periods of time as they explore other related content. This will increase total page views, giving you more opportunities to convert leads and give readers additional information or products they may be interested in. Additionally, if done correctly, internal links can also improve search engine optimization (SEO) ranking by increasing the relevancy of certain pages based on how much traffic is being driven to them from other parts of the site. The Impact of Keywords on Internal Linking When it comes to optimizing your website for search engine results, keywords are essential. But did you know that the right selection of keywords can also help make your internal linking more efficient? Internal links help connect pages on a website and have their own SEO benefits. With strategic use of keywords, these internally linked pages can be even more powerful for increasing visibility in search engines. By incorporating relevant keyword phrases into page titles and anchor text when creating internal links, webmasters can give those connected pages an extra boost in terms of SEO. This not only helps with finding new visitors but also reassuring existing customers that they are viewing the most up-to-date information available on any given subject. When done correctly, keyword optimization increases credibility by giving visitors confidence that the content is reliable and current—leading to further engagement. You can use the tools to analyze your website’s content like ahref, semrush, Diib etc Best Practices for Creating Internal Links Creating internal links is a powerful tool for improving the user experience on your website and increasing the visibility of your content. Internal links are especially important if you’re running an eCommerce store or have lots of pages that need to be organized. Here are some best practices for creating internal links that will help make sure your website is as easy to navigate as possible: First, try to link naturally within the content on each page. This makes it easier for users to find related information without having to click away from their current page. Additionally, be sure to use descriptive anchor text when linking internally so visitors can easily understand what they should expect from clicking on the link. Finally, avoid over-linking any given page since too many outbound links can distract visitors from exploring other pages and lead them away from your site altogether! Conclusion – Why Internal Links Are Essential For SEO Concluding the importance of internal links for SEO, it’s clear that the benefits are significant. Internal linking can help boost your website’s visibility in search engine results. Not only does this improve your website’s ranking, but it also provides valuable information to users about your site structure and content. It is an essential tool for a successful SEO strategy and should be used on every page of your website! Internal links enable you to create a stronger navigation structure, allowing visitors to access related content from any page on your website quickly and easily. Additionally, by linking pages within your own domain, you can direct traffic to specific pages with targeted keyword phrases and increase their search engine rankings even further. With internal links improving both user experience and search engine rankings – they are without a doubt a key component of any digital marketing campaign!
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https://www.wow-themes.com/why-internal-links-are-important-to-seo.php
2023-09-27T12:07:30Z
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Spike specializes in non-fiction, documentary, journalism, immersive, experiential, writing. Covering subjects from travel, health, adventure, religion, conflict, environment, and energy. Spike is interested in global politics, environment, athletic sports, motorcycles, travel, literature, photography, and art. Spike completed a four year degree in practical Fine Art and Art History, specializing in process based, lens media. Spike completed a Masters degree in journalism, specializing in written and photographic storytelling. Spike's coverage of politics is broad and far reaching, including long term documentary coverage of the Myanmar government's push to release it's forcibly recruited child soldiers, the United Kingdom's eviction of hundreds of Gypsy families from land north of London, the implications of unregulated energy policy in the United States, and coverage of United States campaign trail activity. Stories publish with a range of outlets including The New York Times, The Washington Post, Human Rights Watch, The Telegraph, Foreign Policy and many more. Over the last six years Spike has worked closely with The Texas Medical Center, and Texas Children's Hospital to cover the subject of organ transplantation. His work has focused on children who have received transplantation after organ failure, and are now struggling to live with side effects and the cost of necessary medication. Current work is expanding coverage to include individuals who're currently on the organ transplant waiting list. Spike's work as a journalist always involves some sort of travel. To enrich stories he uses scenes of place, and descriptions of transportation to enrich accounts. Often there is scope to run parallel narratives inside one project - a political story with a travel narrative, or an account of conflict with descriptions of a journey taken with subjects. Much of Spike's work as a journalist takes place in the form of an article, either from printed page or web. Most articles published are long form, feature length pieces. Spike makes regular grant proposals as a journalist, both to fund personal work, and the work of collaborators or clients.
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https://www.writeraccess.com/writer/19413/
2023-09-27T10:45:51Z
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Westminster Group Plc announces that it has secured important new contract awards to supply specialist scanning equipment to three separate government and military clients in the Middle East. The three contracts, which have a combined value of US$542,000, involve supplying a range of specialist scanning devices and equipment for the detection of contraband and weapons entering secured buildings. Commenting on the new contract awards, Peter Fowler, Chief Executive of Westminster Group, added: "Westminster’s ability to respond rapidly to client requests and bring together a range of equipment to produce effective solutions was a key factor in securing these contracts and I expect further contract awards to follow". Access to SP Angel’s research via this website is subject to the following terms and conditions. SP Angel (‘SPA’) does not deal with individual or private investors (save in connection with corporate finance business). SPA’s research is thus not prepared for private investors and does not take into account any particular investor’s or class of investors’ investment objectives. You are therefore not being granted access to SPA research in your capacity as an investor or SPA client or potential investor or client. You understand that SPA is not offering you any financial service. Members of SPA’s Research department are not permitted to interact with private investors and you should not attempt to contact them.
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CC-MAIN-2023-40
https://www.wsg-corporate.com/news/new-contract-awards-specialist-scanning-equipment-to-middle-east-governments-and-military/
2023-09-27T13:06:10Z
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High performance butterfly valve uses a disc offset from the center of the valve seat. So inisiders call it double offset. In this structure, the disc is eccentric, or deviated from the valve seat. When the disc starts to rotate, it moves away from the seat, not across it. This design actually uses line pressure to help it seal. This feature allows offset butterfly valves to be used in high-pressure applications such as ethanol or HVAC. It usually uses PTFE or plastic as its seat material, but it also has metal seats to meet the fire test specifications such as API 607. The adavantages of High performance butterfly valve High performance butterfly valve, also known as double offset butterfly valve, has an innovative design. At the same time it provides solid reliability and extremely easy on-site maintenance. Independent and internal tests have proven the excellent service life capability of this series of valves. Certainly, it is also with zero leakage shutoff. However, only the quality butterfly valves can demonstrate high performance. TWT Valve manufacturer always ensure quality production with low price sale. And our products would be recommandation always. The application of High performance butterfly valves The high performance eccentric butterfly valve is a family of valves with quarter turn rotary motion, which is used to close the flow in the pipeline. It’s often said that the butterfly valve can be used to regulate the flow. However, we do not recommend this because it will damage the valve disc. In additional, it adversely affect the sealing performance. These butterfly valves are widely used in various process media and industries, especially in water supply; Collection and distribution, and pump stations, especially in flow isolation.
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https://www.wtstwtvalve.com/p/butterfly-valve/high-performance-butterfly-valve/
2023-09-27T12:29:59Z
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We have a new section to our website where we are selling models,clothes and Rolly Toys we will be doing free delivery until the end of October 2020 anywhere in Ireland please use the code LAUNCH2020 to avail of this. New Grammer air seat complete with fore and after,safety switch,arm rests,seat belt special price while stocks last call for more details 061-396376 Conor 11000(lit) Tank Galvinzed complete with 7m trail and shoe been delivered to ballyhegiue Co.Kerry today
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https://www.wwdoherty.ie/news/
2023-09-27T12:30:32Z
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Dan Abernathy, Pinedale Dan Abernathy is known for his writing, art, jewelry and as a vagabond who walks in dreams of a pure, hedonistic life. This Renaissance man is also known as a poet, with some of the most illogical views and inspirations seen, or heard. His voice, be it in his words or his art, is a collection of oddities, fascinations, desires, and obsessions – a road map of sorts, tracking the life of a man that can’t and won’t fit in. Dan is truly inspired from thoughts of a seemingly higher dimension. Each piece is created and formed from his unending ideas and visions that simply arrive from the cosmos. He makes available all his perspectives frozen in frames as well as the fluid, “random thoughts, often meandering and incomplete, rants, praise, love, words of meaning, and words of too much meaning.” Since 1980, Abernathy’s home base has been Pinedale, Wyoming, but he is most comfortable when he is on the road and is constantly traveling in a converted school bus. His visual life expands and evolves as he travels the globe on alert for new sights to capture and experience. Abernathy’s devotion to his art, writing and travel continues to lead him all over the world to compose and share. For, “what best describes an artist is the same thing which describes an adventurer,” he writes. “The longing for something intense, grand, revolutionary, new horizons with different natural laws.”
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2023-09-27T12:40:00Z
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Open Source Protocol Ren Token Surges 18% Amid Rising Interest in Multichain Projects The surge comes amid rising interest in multichain projects. It also seems to reflect rising interest in the protocol, which allows users to move digital assets from one blockchain to another, generating cross-chain liquidity. “The multichain narrative is catching investor excitement,” said Charles Storry, head of growth at Phuture. “Ren, with its legacy and exchange availability, has witnessed the upside of this.” REN has increased nearly 50% over the last two weeks, according to data from CoinGecko. Storry said he anticipates seeing more ‘legacy’ projects like this gain momentum in the short term. Stacks (STX), the open-source platform that enables smart contracts and apps for bitcoin, touted as a competitor of Ren, surged 15% on Wednesday. In November Ren, which was Alameda-funded, announced that it would shift from Ren 1.0 to a more efficient, secure Ren 2.0 version several weeks earlier than expected. It also said that minting through Ren 1.0 had been disabled and that Ren 2.0 would be deployed via testnet. To cover funding needs in the aftermath, the Ren Foundation passed a vote to mint 200 million tokens to fund its transition and growth to Ren 2.0. The new iteration will also offer ‘RenEVM’ “an Ethereum-based plugin for Darknode that allows arbitrary programs to be deployed on top of the Ren blockchain,” according to the company’s blog post. “This will mean that Ren will not only support minting and releasing assets between blockchains but also smart contracts that can power any kind of application, cross-chain specialized or not.” After its loss of funding in November, Twitter rumors circulated that the world’s largest crypto exchange by trading volume, Binance, would acquire the protocol. Last week, the rumors resurfaced on a number of Chinese Twitter accounts, possibly contributing to the token’s price uptick. The token also pumped around 26% at the end of November when rumors initially arose. Binance did not respond to a CoinDesk request for comment. The majority of trading volume for REN is on centralized exchanges with Binance holding the majority of tokens and Coinbase following. According to data from research group Sanitment, Ren holders/addresses holding 10,000-1 million tokens are holding their highest amount in three months. These Ren holders have collectively upped their total by 4.73% in the last 24 hours.
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https://www.xbo.com/en/en-markets/open-source-protocol-ren-token-surges-18-amid-rising-interest-in-multichain-projects-2023-03-01
2023-09-27T12:32:14Z
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Xenocs attended the European Polymer Federation 2017 congress last week in Lyon, France. The conference focus this year was “From last trends in polymer science to cutting-edge industrial innovations”. A scientific lunchtime session on Nanoscale x-ray characterization of polymers in the laboratory was organized by Xenocs on the third day of the conference. Thank you to both Professor Anthony J.R Ryan, University of Sheffield, UK, and Professor Bart Goderis, KU Leuven Belgium, for their outstanding oral presentations during this session. More on the event
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https://www.xenocs.com/xenocs-at-epf-2017/
2023-09-27T12:27:43Z
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In many cultures, going to grandma's house for the holidays has always been the thing to do. But as we get older, things change. We move to new cities, start our own families, and our grandparents may no longer be around, so our homes may now be the holiday destination for extended family. However, playing host can be a hassle, especially during the holidays when your home becomes your family and friends’ home for a short period. And if this is your first year hosting the holidays at your place, you can be in for a rude awakening if you don’t make the necessary preparations beforehand. We spoke to NYC-based experience curator and owner of POP! by Yaz, Yasmin “Yaz” Quiles to help guide first-timers. According to Yasmin, an experience curator is “someone who not only focuses on an actual event but the entire experience and that can mean anything from the first point of contact, things from an invitation, a website, all the way to the end and after effects.” If you are hosting the holidays in your home, it is important to touch on all of these points so that way your guests can have an experience to remember. Here are the steps to successfully host family and friends for the holidays. 1.Plan and Organize: Before people start showing up to your house, you must plan out what you need and for how many people. It's also a great time to be creative. “The first part is the dream part because it’s the fun part. What do I envision my event to look like? What do I want my people to feel when they come to my space? Ask all of the questions for the first point of contact,” says Yasmin. “What kind of invitation [am I using?] Who am I inviting? What kind of music are we listening to? The food. So, you start thinking about what the vision is, and then after the dreaming, you organize your thoughts.” That includes putting together a budget. “See what you have access to, what you need help with, and what you may need to outsource,” she advises. Meaning, this is the time to decide if you and your family will be cooking or if everyone will chip in to get dinner catered. 2.Repurpose Your Items: Photo courtesy of Yasmin Quiles As you continue to plan and organize, it's important to take stock of what you already have at home. This can also help you stay within budget. If you have a limited budget then start thinking about how to utilize what you already have in a innovative way. “I also like to start with inventory. What [are] items in your house that you can use? That way you can determine what it is that you have to get,” she suggests. “I feel like a lot of people always put together a list and it's always 'buy, buy, buy, buy,' versus ‘oh, wait a minute, I actually do have some things that I can utilize and I can just use it in a different way.’” For example, “Utilizing a console as a small bar area or creating fake fireplaces. I think there are ways to use items in your space so that you don’t have to continue to fill it up with new things.” 3.Make Your Guests Feel Like They Are at Home: Ever heard the saying, "mi casa es su casa?" You want your space to make guests feel like a home away from home and having a cozy place to sleep plays a major part in that. Be realistic about how many people you can fit comfortably in your home. “Figure out how much space you have in your house and how many people you can truly accommodate,” she says. “What that means is even if you have a two-bedroom apartment, what are some creative ways you can create some space for them? Is it an air mattress or is it getting a hotel that is close to you; Airbnb's?” You also want to provide your guests with the necessary accouterments and the gift of convenience. If you have certain rituals in your home, you want to make sure your guests can also participate in them. “What I love to do with my guests, I always love to make them feel like they're at home even when they are not, so I like to replicate the things I love in a hotel room. In our house we take off our shoes so we always have disposable slippers here that people can slide on or brand new socks in a basket,” she explains. “That way they can feel immediately comfortable the moment they pass the threshold in your house." "And in the bathroom or if there’s a powder room, I like to put together a little welcome basket and it can be something as simple as here’s your towel, here’s your washcloth, all the little toiletries you may need," she adds. "I give them their own little stash, that way they don’t feel like they’re burdening me by asking, 'oh, do you have q-tips' or whatever it is. It’s all already set up there for them and it makes them feel so welcome and thought of.” 4.Food and Entertainment: Photo courtesy of Yasmin Quiles Along with welcome baskets, the Afro-Latina entrepreneur also enjoys putting lists together with a few of her recommendations. Think, welcome lists you receive at hotels and Airbnb. “I’ll put together a short list of my favorite restaurants, my favorite channels or shows to watch that way they can be entertained while I’m doing other things,” she says. The holidays involve a lot of cooking and so going out to eat may not be an option. But neither is eating mac and cheese, collard greens, and ham all day, every day. So, it's best to provide options for your guests. “When people go to other people’s homes, they really want the house experience so eating out is great, it’s fine, but I think it really makes people happy when immediately there at home at your house," explains Yasmin. "What I like to do is immediately have an assortment of snacks available and that means everything from the folks that are on a diet to folks who want to indulge and have a little bit of everything. That way we have a good selection. And [I like to have] things that can be left out for a couple of days as well so I’m thinking pre-packaged items that way [they can] 'grab and go.'” When having guests stay over for a few days, you should want to do more than just stay in and look at each other the whole time. Similarly to the way Yasmin advises providing a list of recommendations for eating out and indoor entertainment for guests, she suggests providing guests with a list of favorite stores or favorite markets with recommendations of what to buy. This can also be a great time to show your guests where you live by going on walks or a scenic drive. "A lot of times these holiday celebrations happen when we are in the midst of planning and doing things and doing all the last-minute errands. Another thing I like to do is photo albums, people love photo albums.” Yasmin recommends having a physical photo album that you and your guests can look through or a digital frame such as Aura Frames that holds photos online that you can continue to add to. What’s left is providing the ambiance. One of the many ways that people do this is by having a playlist. Creating a playlist is fun but can also be time-consuming. Not only do you have to add your auntie's favorite Christmas song to the playlist but you may also want to take a trip down memory lane with your siblings and jam to a throwback from your childhood. Yasmin reveals a solution, which she refers to as an “elevated” experience. “You can hire a DJ. They can do a set on Twitch,” Yasmin says. “There’s a chatroom function so you can put it on your TV, so all the guests who are there can listen to the music live but if there are guests who can’t make it for whatever reason, they can tune in and participate via the chat.” The experience curator also suggests having a quiet space for those who are more introverted or need a break from the loud music and crowd. Whether you and your family decide to cook together or hire a caterer, cleaning up after a big event is always a buzz kill. Yasmin recommends outsourcing help as a way to enjoy yourself and not worry about the aftermath. “Clean up can be a big hassle. It is okay to get a cleaning team. It is okay to hire a bartender. It is okay to hire anybody who can make your job easier,” she assures. “The point of these events really is to connect and I feel we get so caught up in the doing that we forget that and the party ends and we’re like ‘dang, I didn’t get to have a conversation with my best girlfriend who I haven’t seen in six months.’ Give yourself permission to outsource so that you can have a good time.” For more information about Yasmin, you can visit her website at yazquiles.com and follow her on Instagram @popbyyaz. Let’s make things inbox official! Sign up for the xoNecole newsletter for daily love, wellness, career, and exclusive content delivered straight to your inbox. Feature image courtesy of Yasmin Quiles - This Is How To Have A Quiet & Romantic Christmas At Home › - Ladies, This Is How To Have A Dope Grown Ass Woman Sleepover › - Here's Why You Should Visit Christmas-themed Bars - xoNecole: Women's Interest, Love, Wellness, Beauty › London Alexaundria is the contributing editor for xoNecole. She is an alum of Clark Atlanta University, where she majored in Mass Media Arts and has worked in journalism for over ten years. You can follow her on Instagram and TikTok @theselfcarewriter Black women are not a monolith. We all are deserving of healing and wholeness despite what we've been through, how much money we have in the bank, or what we look like. Most importantly, we are enough—even when we are not working, earning, or serving. Welcome to Black Girl Whole, your space to find the wellness routine that aligns with you! This brand-new marketplace by xoNecole is a safe space for Black women to activate their healing, find the inspiration to rest, and receive reassurance that we are one small act away from finding our happiness. Want to discover where you are on your wellness journey? You don't have to look far. In partnership with European Wax Center, we're bringing you a customized wellness quiz to help you up your wellness game. Answer our short series of questions to figure out which type of wellness lover you are, what you need to bring more balance into your life, and then go deeper by shopping products geared towards clearing your mind, healing your body, and soothing your spirit. Ready to get whole? Take our quiz now! (Some of y’all) can hate on the Tubi app if you want to, but if there’s one thing that it’s gonna do (for free, I might add), it's bring up some memories of shows that you haven’t thought about for a hot minute. Take the Black indie seriesSexless and its spin-off,Chef Julian, for example. The realness of the writing, along with the way the shows overlap, is truly a — pardon the pun — chef’s kiss. So much, in fact, that the character Wendy had me triggered all over again as I binge-watched both shows recently. I mean, c’mon — who dates best friends and then tries to play victim while doing so? Yeah, accountability is a lost art in both reality and fiction, in art and in life. SMDH. As again, I watched her try and navigate through both relationships as she strived to figure out which man would truly be the best fit for her, I thought about a question that I get emailed on a semi-regular basis. When you’ve been with someone for a while, when you have deep and profound feelings for them, and when you’re not sure if you’re just being “extra” or something really is “off” in the relational dynamic — how do you know if it’s time to stay vs. when it’s time to go? Before we get all up into this, let me just say that I’m addressing this particular topic from the angle of NOT being married. Because I personally think that the covenant of marriage is way more sacred and serious than a dating situation, I would be giving some different advice for husbands and wives. Also, I’m not including the topic of abuse (neglect included) because I’m hoping it goes without saying that if any type or level of that is transpiring, you definitely need to bring things to a swift and permanent end. With all of that out of the way, today, we’re going to explore seven questions that you should ask yourself in the instance that you just can’t seem to “scratch the itch” on whether you should remain with your bae…because while nothing is actually “bad,” things are not as good as they used to be either. And since time is precious and you don’t want to waste it, you want to make sure that you’re right where you’re supposed to be. Are you ready to (hopefully) gain more clarity than you had before clicking on this article? Let’s do this. 1. Do I Get That Even Relationships Have “Seasons”?Giphy Ecclesiastes 3 starts out talking about the fact that there are times and seasons for everything. And you know what? Relationships are not exempt. The reason why I’ve written articles for the site like “The ‘Seasons Of Sex’ That Married People Go Through” is because everything in this life has seasons — you know, periods when things shift. When it comes to the weather, whether we like the season that we’re in or not, we simply adjust because…what choice do we have? Oh, but when it comes to relationships, so many of us have been conditioned to think that things are supposed to remain one way (usually the way we want it to be), without fluctuating, the entire time, that when there is a season of distance, disconnect or misunderstanding, we automatically believe it’s our cue to bounce instead of taking some time to process if it’s simply a period for communicating, maturing and learning more about our partner. Listen, there is no way that people can grow without it affecting those around them, especially the ones whom they are closest to. So, before you decide to end things with your significant other, talk to them about what’s going on so that both of you can figure out if you’re going through an unfamiliar or uncomfortable season or if things are transitioning in a way where the relational dynamic no longer serves one or both of you. Because I’ll tell you what — the people who have mastered longevity in relationships know that just like the weather, sometimes there are things that you have to learn to be flexible about…because even if you’re not thrilled with how certain things are at the moment, just like the weather, oftentimes, those things will change. Just like summer isn’t forever and fall comes in due time. Plus, if you’re someone who can adapt well, there are pros and cons with different seasons, too. For instance, if this is a season when your partner is working more hours or traveling more than usual, if the goal is to get promoted or stack bread, the extra time that you have for yourself could help you to create some more long-term or short-term goals, pick up a hobby or do some self-work. Then, by the time things level back out, you’ll both be better people because of the “season.” See what I mean? 2. Did I Go into This with Unrealistic or Unfair Expectations?Giphy I’m gonna tell you, right out the gate, what an unrealistic or unfair expectation is: If you thought that things were always gonna go your way or you were gonna get what you want right when you want it. I can’t tell you how many people have pretty much worn me out in counseling sessions, and it’s all because they thought a relationship was a catering service — that them being happy all of the time was to be the top priority and non-negotiable goal. Something that wisdom, maturing, and self-reflection will teach you is that one of the main purposes of a relationship is to be with someone you love, respect, enjoy, trust, and can rely on to help you become a better person as you do the same for them. And no, that is not always going to be a fairy tale. In fact, I have said on many occasions that I loathe fairy tales (for adults) because I know what they mean: a story told to children and/or an incredible and misleading account. And don’t even get me started on the women who profess that they are waiting on their Prince Charming. After all, the Bible tells us that “charm is deceitful” (Proverbs 31:30). Does this mean that you shouldn’t expect to have your needs — and even some of your wants — met? Of course, you should. Yet your needs need to make (reachable) sense. And honestly, a lot of folks could stand to ask themselves if they are able to give their partner all of the things that they expect from them (because many cannot). So, what are some examples of unrealistic/unfair expectations? - Expecting your partner to think just like you do - Expecting your partner to read your mind - Expecting love to mean that you won’t have to compromise - Expecting your partner to give above their means - Expecting your partner to be the sole source of your happiness - Expecting your partner to love you more or better than you love yourself - Expecting your partner to put their own needs in jeopardy just to meet yours - Expecting your partner to always agree with or concede to you - Expecting your relationship to always have good times and no challenges - Expecting your partner to be the only one to make sacrifices - Expecting every expectation to be met I really was on a roll while writing these out, yet I’m sure you get the gist. Being in a relationship with another human being means that they have their own opinions, perspectives, and expectations — and they aren’t always going to match yours. And so, if you think that the sign of a healthy relationship is that they should, you really should be alone instead of trying to be with someone else. Because that way of thinking is the most unrealistic of them all. 3. Are We Incompatible or Am I Just Impatient?Giphy When you get a chance, please read, “If He's Right For You, He Will COMPLEMENT Your Life.” In another article, I’ll be addressing why love is not enough in relationships. For now, one of the reasons why that is the case is because you can LOVE a lot of people who you simply cannot DO LIFE with. That’s why it really is important to seriously ponder if you and he are compatible or not. To be compatible means that you share similar values, have like-minded relational goals, want the same long-term things out of life, have at least some of the same interests, and complement each other well when it comes to things like communication and meeting each other’s needs. Listen, I’ve loved a few men in my life where these boxes did not check off, and because of our feelings for each other, we stayed together far longer than we ever should’ve. At the same time, what if you are compatible with someone, but you’re just impatient as hell? I’ve been watching the current season ofReady to Love, and there are some women on there who are mad pushy when it comes to the clock. Personally, I don’t even know how you can hop on a show where you just met some dudes and roll up on them talking about how you want to be married by the end of the year. Yeah, it’s another message for another time, the amount of people who are tied to a goal more than a person. Anyway, sometimes your partner can be in the same chapter as you (love story-wise) yet still not necessarily on the same page. Meaning, say that you want to be married this year, and he wants to wait until this time next year — are you contemplating ending things without considering his frame of mind? Maybe he wants to save money. Maybe he’s trying to secure some things professionally first. Maybe he wants to give you the kind of wedding (and ring) you want without relying on credit to get it. It's one thing to end a relationship because you both want different things out of life. Oh, but it’s completely different to bounce because you’re used to folks giving into your pressure, ultimatum, or time frames. I’m not the one who thinks that a good man is hard to come by; I know many. I do think finding YOUR FIT isn’t as easy as you might believe, though. A Canadian writer by the name of Janette Oke once said, “Impatience can cause wise people to do foolish things,” and, to that, the Good Book says that “Loveis patient” (I Corinthians 13:4). If you’re gonna end something, make sure it’s because the puzzle pieces don’t fit; not because you’re too impatient to see how the pieces will create a beautiful picture…when the time is right. 4. Do I Still Love, Like and Respect Him?Giphy The married couples whom I work with know that I live by a certain, I guess you can call it a motto: “If you still like each other, you can get back to love.” Liking someone is about enjoying their personality, wanting to spend time with them, and having feelings that are rooted in friendship, acceptance, and appreciation. When those things are present and accounted for, all of the butterflies, googly eyes, and sheer lust that the feelings of love may provide — they can usually get you through the seasons when those feelings seem to be missing. And respect? Listen, a lot of women get triggered by the fact that the Bible instructs husbands to love their wives while telling wives to respect — respect, not love — their husbands (Ephesians 5:33), yet you know what? If you’re gonna be real with yourself, you know that it’s hard to love a man who you don’t respect — who you don’t esteem. We’re simply not wired to trust a man who we don’t think will be a good provider, protector, and leader on some level. Confession time: I stayed in a relationship with someone who I really liked, kind of loved, and absolutely did not respect (as a man) for quite some time, once upon a time. And all it did was make me resentful and him insecure — and that was a form of mental and emotional torture for both of us. You’re not doing a man any favors by staying with him if you don’t respect him. And it doesn’t make sense to try and build a future with someone who you don’t like a ton. As far as love goes, love is a beautiful thing — very. All I’m saying is, like, love and respect are a package deal when it comes to how we see a man. If one of those things is missing, ask yourself why and then be honest about if anything can be done to change how you’re feeling or…not. 5. What Would Improve About My Life If I Leave?Giphy This right here. Although this article is for people who are dating and not married, I do think it would be beneficial to put on record that, on average, somewhere between 30-40 percent of people regret getting a divorce. I think one of the main reasons is because the person you were when going into a marriage isn’t the person you are leaving it. You’re older. Dating dynamics in society have changed (and are ever-changing). You probably have a different set of life circumstances that may make dating more challenging (for instance, you may have kids now, and it takes a very special person to be a good potential stepparent). Unfortunately, a lot of people will leave a relationship without considering this, only to have the ice-cold water of reality hit them smack dab in the face. Now listen, I will be the first person to say that one of the major perks of dating is you don’t have to try and put the same effort into your relationship as married folks do. In fact, all of these non-engaged folks who spend months and years in couples therapy to try and make things work? Unless you’re someone who is in a long-term relationship with no desire to ever get married (check out “12 Couples Reveal Why They're Happy With A Long-Term Commitment Instead Of Marriage”), I don’t even get why you’re going through all of the trouble (or is it drama?). Some people have acted married before marriage so often, they don’t take marriage seriously enough when it finally does happen for them. SMDH. This is where this particular question comes in. When you’re just dating, you really don’t have to hold on for dear life. You’re not “failing” if you realize that someone really is awesome — just not the right or best fit for you. And the reason why you know this is because you can actually name more than three ways that your life would get better if you left them alone. Maybe you’d feel less stressed out. Maybe you’d have more time to focus on some personal ambitions. Maybe you’re compromising some core values that you want to get back to. Maybe they have you questioning some things about yourself that you know you shouldn’t be. Sometimes it’s as simple as maybe you’re feeling like something/one is better for you, and you know you won’t find them while you’re still…where you’re at. This particular question really is underrated on a lot of levels because, while a lot of people are out here ending relationships on an emotional impulse, when you know that you’re leaving because you have a literal list of how your life would improve if you did dip out, that makes grieving the relationship less painful and finding closure, on some levels, less necessary (as far as dragging things out are concerned). 6. What Would Be Beneficial If I Stay?Giphy If something (or one) isn’t making you better, it’s either keeping you stagnant or making you worse, and you know what? Neither of those are good. So yeah, it’s also wise to ask yourself how you would benefit — mind, body, and spirit — to stay where you’re at. And honestly, one of the best ways to figure out the answer to this question is to fully take in a relationship-based quote that I have shared on the platform before: “As soon as the love relationship does not lead me to me, as soon as I in a love relationship do not lead another person to himself, this love, even if it seems to be the most secure and ecstatic attachment I have ever experienced, is not true love. For real love is dedicated to continual becoming.” (Leo Buscaglia) When something (or someone) benefits you, they are helpful, they are useful, they are constructive. No, this does not speak to transactional dating (which is oftentimes very self-centered and mercenary); what this means is they are improving your quality of life — prayerfully, on several levels. And no, this does not mean that everything is easy all of the time, either. Sometimes, what helps you is constructive criticism. Sometimes what’s useful for you is being challenged in ways you’ve never been before. Sometimes what’s constructive is learning how to be more flexible, understanding, and forgiving (umm, like you would want your partner to be towards you…right?). So, just like you should ask yourself how you would get better if you left, be real about how you are becoming better by staying. This is where a good old-fashioned pros and cons list comes in super handy. If the “improve” outweighs the “beneficial,” if you know that you are not becoming more of who you need to be thanks, in part, to the influence of the relationship…well…I’m sure you get what I’m about to say…about that. 7. Have I Been Here Before?Giphy A wise person once said, “Everywhere you go, there you are” and boy, can it be a hard pill to swallow sometimes. Something else that I’m a firm believer in is that the universe will keep you in the same “life class” for decades if needed, until you learn whatever it is that a particular lesson is trying to teach you. So, one more question: Before you decide to call it quits, how many times have you been in this same spot — the same kind of relationship? The same type of guy? The same kind of issues? The same type of break-up? Because there is absolutely no point in abruptly chalking it up to, “It was all his fault…again,” just so you can find another man to say this about in another six months or a year. If you’ve been here before, take some time out to do some serious self-pondering as to why. Every action has a reaction; I’m pretty sure that you’ve heard that saying at least once before — and when it comes to ending a relationship, it is most definitely true. If you’re wondering if you should, honestly, that’s already a feeling that is trying to tell you something. However, now that you’ve read all of this, hopefully, you can take some actions that you will feel at peace about…and won’t regret. Because if you’re gonna end something, it’s a good idea to know why, so you can feel truly at peace about doing it — and yes, I’m speaking from very up close and personal experience here. Get your internal answers. Move wisely from there, sis. Let’s make things inbox official! Sign up for the xoNecole newsletter for daily love, wellness, career, and exclusive content delivered straight to your inbox. Featured image by Lyndon Stratford/Getty Images
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October is a month of balance. With some energy moving direct and some energy moving retrograde, there is a middle ground to find this month between what is unfolding and what you are letting go. The month begins with Mercury officially moving out of retrograde and going direct in Virgo. Mercury this month is cleaning house and sprucing things up after the somewhat tyrant energy it’s brought over the past few weeks. Now that Mercury is direct, there is less interruption when it comes to daily flow and plans, and this is a good month to start setting things into motion. On October 9th, there is a Full Moon in Aries, which is the Hunter’s Moon of the year. This Full Moon is cleaning what is in the way towards your direction and positive movement forward and is a time of building momentum. The Moon in Aries is feisty, and this is a passionate Full Moon. Both Pluto and Saturn go direct this month after being retrograde for the past few months. Pluto will be direct in Capricorn on October 8th and Saturn goes direct in Aquarius on October 23rd, what this means for the collective is fewer power struggles and more opportunities to come together. Toward the end of the month, there is a New Moon Solar Eclipse happening in Scorpio on October 25th, and it’s as magical as it sounds. This Solar Eclipse is a time of emotional rejuvenation and transformation, and new doors are opening. Jupiter retrograde in Aries moves into Pisces on October 28th and is taking some heat off fire and air signs, and impacting water and earth signs more now. Jupiter retrograde in Pisces asks you to check in with your modes of healing, spirituality, and emotional regulation and to make sure your beliefs are stronger than your doubts. As the month comes to an end, the infamous Mars in Gemini transit makes some moves and goes retrograde from October 30th until January 12, 2023. Mars retrograde in Gemini is wildcard energy and it’s best to remain flexible with what’s occurring at this time. Things are up in the air and Mars is giving you the clarity on what to grab ahold of or where to redirect your energy. October is a time of new beginnings and a change of pace. Aries Horoscope for October 2022AriesKyra Jay for xoNecole You are reaching a pinnacle of achievement this month, Aries. October is a month of evolution as you move into the next chapter in your life. You have been through a time of growth and have turned your challenges into stepping stones to your success. With Jupiter retrograde moving out of your sign this month, you are getting a weight lifted off your shoulders and a helping hand when you least expect it. The Full Moon happening this month will be in your sign on October 9th. This Full Moon is a time of re-energizing your spirit, and renewal. Take some time for yourself this day, relax, and gather your strength. You deserve a moment to just be and breathe before you walk into the new doors that are opening for you now. This month is all about living in your empowerment and aligning with your synergy, Aries. Taurus Horoscope for October 2022TaurusKyra Jay for xoNecole This month is all about getting out of your head and into the moment, Taurus. Your guidance for the month is to focus on the bigger picture, connect with the heart spaces, and take note of the gifts in your world. You are solving some puzzles in your life this month and coming to your own conclusions rather than letting anyone else form them for you. This is a month of learning more about where you stand and where you want to continue to plant your roots. There is a New Moon Solar Eclipse happening in your opposite sign Scorpio before the month ends and this is an awakening time for you in love. You are gaining clarity on how your heart is expanding right now, by the reflection you are seeing in others. There is playfulness, love, and connection that wants to come into your life more this month but it’s all about perspective and seeing the opportunities in your life. Gemini Horoscope for October 2022GeminiKyra Jay for xoNecole October is all about reclaiming your power, Gemini. This month you are being reminded of the power you hold as a creator in your life, and that the value you hold for yourself, sends out energy externally. Use your time and energy wisely, and remember that you always deserve a seat at the table. With your ruling planet Mercury moving direct at the start of the month, you are moving through October with new experiences and wisdom unfolding for you. Saturn officially moves direct on the 23rd the same day Scorpio Season begins, and travel plans, opportunities for adventure, and aligning with the higher self are all coming through for you. Mars in Gemini makes its significant transit at the end of the month and goes retrograde in your sign on October 30th until January 12, 2023, and you are entering a major growth spurt of learning more about yourself, your goals, and the direction you are headed right now. Cancer Horoscope for October 2022CancerKyra Jay for xoNecole Things are moving full speed ahead for you this month, Cancer. October is a month of opportunities for you, and you have the Midas Touch right now. This is the month to fuel your spirit, and to follow through on some dreams you have been looking to come to fruition. With Mercury officially moving out of retrograde at the beginning of the month, you are able to get the message across right now and are putting your best foot forward this month. There is a Solar Eclipse happening in your fellow water sign, Scorpio, on the 25th, and this Solar Eclipse is opening up a new chapter in your life when it comes to your happiness. This Eclipse is here to highlight where your heart is, what is making you happy, and where you truly feel free in your life. With Jupiter retrograde moving into Pisces a few days later and into your 9th house of adventure, you are being guided to be flexible this month and remain open to the possibilities you encounter. Leo Horoscope for October 2022LeoKyra Jay for xoNecole October is a month of rejuvenation for you, Leo. After somewhat of a chaotic past few months, the fog is clearing and you are seeing things in a new light. This month is a time of being recognized for the beauty and creativity you inspire in this world and it’s about allowing yourself to receive love right now. You have given so much to others recently and this is beautiful, but this month you are being reminded to allow others to share that love with you as well. The New Moon Solar Eclipse this month is happening in your 4th house of home, family, and foundations, and you are seeing breakthroughs here. Over the next six months, you are going to be entering a new stage of your life when it comes to those closest to your heart, and the places that make you feel at home. By the end of the month, Jupiter retrograde enters Pisces, and you are leaving the month thinking about the commitments that are being formed in your life at this time. Virgo Horoscope for October 2022VirgoKyra Jay for xoNecole Virgo, this month is all about flying high and being the leader of your life. You are rising above any previous chaos or challenges that Mercury retrograde has brought into your life, and experiencing a new sense of freedom this month. With Mercury going direct on October 2nd and being direct in your sign until October 10th, you are entering the month seeing things come full circle and a positive change of pace in your life. There are less roadblocks on your journey moving forward, and things are flowing your way. With the energy moving into Scorpio towards the second half of the month and the attention moving towards your house of communication, self-expression is key in October. This month you are getting the messages and answers you have been looking for, and it’s making it easier to communicate and express yourself. New connections are coming into your life this month, and these are situations you have been hoping for. Remember that you deserve to take up space this month, Virgo. Libra Horoscope for October 2022LibraKyra Jay for xoNecole Your season is here, beautiful Libra, and this is your time! Libra Season is in full swing as you enter October, and with Mercury going direct at the beginning of the month after being retrograde in your sign and in Virgo, you out of most really benefit from this change of pace. The mind is clearing, opportunities are popping up, and plans are falling into place. There have been some adjustments and reworking in your life, but this month you are seeing how your plans and intentions have worked out for the best for everyone involved. The Full Moon this month is happening in your opposite sign, Aries, on October 9th, and will be highlighting your 7th house of love. You are closing one chapter in this area of your life during the Full Moon, and preparing for the new. As you have been regrouping and gathering your strength, in mid-October you are ready to let go of anything holding you back from truly experiencing partnership, unconditional love, and everything you need in a relationship, and you are making space for new experiences in love. Scorpio Horoscope for October 2022ScorpioKyra Jay for xoNecole October is all about balance for you, Scorpio. You have been learning a lot about perspective this year and how one thought can change things for you both positively and negatively, and this month you are experiencing the final lessons of this chapter. This is a month of being a master of your reality and creating the circumstances you want for yourself. There is a divine coming together happening in October, and there is a lot of beauty and magic to enjoy in your life this month as the energy moves into your sign. Venus enters your sign and Scorpio Season also begins on the same day, on October 23rd. With the Sun and Venus coming together and shining just for you, you have a lot of love coming your way this month and you have taken the time over the past few months to clear your energy, making space to receive this love and empowerment in your life. Before the month ends there is a New Moon Solar Eclipse in your sign on October 28th, and you are experiencing major breakthroughs and epiphanies in your life. Sagittarius Horoscope for October 2022SagittariusKyra Jay for xoNecole This month is bringing a windfall of blessings into your life, Sagittarius. October is a special month for you as the intentions you have been setting come to fruition in your life and you gain a new sense of stability. One door opening is leading to many other positive experiences for you, and the more you keep up this energy in your life and believe you are worthy of this good, the more it can enter. With Saturn officially going direct this month after being retrograde in the area of your life having to do with home and family over the past few months, you are finally getting the opportunities to ground your energy and spend peaceful time in your safe spaces. Find your center, and remember to reach out to others when you need to. At the end of the month, we have a New Moon Solar Eclipse on the 25th, and this time for you is all about healing, finding the middle ground, and releasing what doesn’t serve you in this next phase of life. Capricorn Horoscope for October 2022CapricornKyra Jay for xoNecole October is a new beginning for you, Capricorn. You are at the beginning stages of some important chapters of your life, and this month is an opening to those experiences. Over the past few months with your ruling planet Saturn in retrograde, you have been cracked open and awakening to something beautiful. The vulnerability and grace you have shown yourself even through times when it was hard to see the light, is commendable. Pluto has been retrograde in your sign since April 29th and finally goes direct this month on October 8th. You are going through the stages of rebirth as you get out of your shell more this month, and let the world see the growth you have been through. Instead of looking for the light at the end of the tunnel, you realized you were the light yourself, and October is about shining that light, Capricorn. Aquarius Horoscope for October 2022AquariusKyra Jay for xoNecole This month you are being guided to breathe, and take it one day at a time, Aquarius. This is a month of divine intervention, and situations are moving around to create a better circumstance for yourself. With Saturn moving Retrograde in your sign over the past few months, you’ve gotten a look at things from a higher perspective. Some adjustments and rebuilding were necessary, but you were able to live your life on your own terms rather than according to anyone else’s plan. October is a month all about being the creator of your life and rewriting your story. With Saturn officially moving out of retrograde and going direct in Aquarius on October 23rd, you get to enjoy the benefits of task-master Saturn for the rest of the year, and there is a sense of achievement and empowerment with you moving forward. Use this month to finalize plans, tie up any loose ends, and get things sorted out. Pisces Horoscope for October 2022PiscesKyra Jay for xoNecole October is a time of paving new paths for yourself in life, Pisces. With all of the activity going on in the sky this month, you are finding your way. Mercury retrograde officially goes direct at the beginning of the month, and you get a breath of fresh air in regards to love. Relationship matters start to move more smoothly over the month after a time of Mercury retrograde helping you gain the full picture here. With a New Moon Solar Eclipse in fellow water sign Scorpio happening this month, you are seeing some massive changes in your life as you move more into the month. The Solar Eclipse happening in October will be moving through your 9th house of adventure and some big plans and intentions you have set for the year are being seen through at this time. Your guidance for the month is to stay focused on what you are creating, and believe in yourself. Let’s make things inbox official! Sign up for the xoNecole newsletter for daily love, wellness, career, and exclusive content delivered straight to your inbox. Featured image by Kyra Jay for xoNecole - Mercury Retrograde September 2022 All Zodiac Signs - xoNecole ... › - Your September 2022 Horoscopes Are All About Giving Yourself ... › - Your 2022 Love Forecast According To Your Zodiac - xoNecole ... › Tayler Barakat is a Mystic who has studied Astrology for over a decade. She does intuitive astrology and tarot readings for people all over the world, and her work focuses on healing and empowering individuals. Follow her on Instagram @taylerbarakat_ and check out her website www.listentothevirgo.com. Black women are not a monolith. We all are deserving of healing and wholeness despite what we've been through, how much money we have in the bank, or what we look like. Most importantly, we are enough—even when we are not working, earning, or serving. Welcome to Black Girl Whole, your space to find the wellness routine that aligns with you! This brand-new marketplace by xoNecole is a safe space for Black women to activate their healing, find the inspiration to rest, and receive reassurance that we are one small act away from finding our happiness. Want to discover where you are on your wellness journey? You don't have to look far. In partnership with European Wax Center, we're bringing you a customized wellness quiz to help you up your wellness game. Answer our short series of questions to figure out which type of wellness lover you are, what you need to bring more balance into your life, and then go deeper by shopping products geared towards clearing your mind, healing your body, and soothing your spirit. Ready to get whole? Take our quiz now! If you're reading this article, it is likely that you are planning on traveling to Paris one day. And if you are looking for the ultimate guide, then you are at the right place! Paris is also known as The City of Lights and/or The City of Love, thanks to its iconic landmark, the Eiffel Tower, and its people, who are known for exuding romance. The French capital has been depicted in many movies (and recently in the very popular TV show Emily in Paris) as a place ruled by love and high fashion. While I can’t promise you a TV romance with a local Parisian man, you can count on this guide to help you see the most fashionable places and eat some incredibly delicious foods. Here is an invitation to see my Paris. Check out my guide below. The Dior Gallery Courtesy of Thia M. Back in March 2022, Dior opened a new space in the very chic eighth arrondissement of Paris, right in the corner of its historical boutique of the 30 Avenue Montaigne. If you follow fashion and lifestyle influencers, then you may have seen the famous "Diorama." According to its website, the Diorama is an installation of pieces that highlight the “importance of accessories in a silhouette.” After seeing it multiple times on my social media feed, I finally had the opportunity to see this exhibit up close and in person. Once you get into the Dior gallery, the Diorama is the first thing that you will see on display. And it will also be the last. The exhibition has been conceived so that the famous installation acts as a thread that will follow you throughout the gallery. There are a total of 14 spaces, and each will take you through Dior's fashion history. Each room has been thought with a special scenography. The ones that struck me the most were the ones where the decoration reminded me of an enchanted forest and the space dedicated to the celebration of the relationship between fashion and gold. Courtesy of Thia M. Courtesy of Thia M. My personal favorite things to see were the amazing Nigerian author Chimamanda Ngozi Adichie on the cover of a magazine wearing the Dior t-shirt "We Should All Be Feminists," inspired by her eponymous essay. My last stop was at the Dior café. I went for a hot chocolate and a piece of flan. It was expensive (of course), but I figured that while I was in luxury, I might as well enjoy the experience to the fullest. And the kindness of the waitress made my experience at the Dior Gallery even better! To access the gallery without waiting, buy your tickets online. You should know that if you want to get a ticket to visit the Dior gallery on a weekend, it is recommended to start looking for tickets two weeks before the due date. Snails for Lunch at L'escargot Montorgueil Courtesy of Thia M. Montorgueil Street is located in the first and the second arrondissement of Paris. It is a lively area (i.e. crowded) where you can see a lot of people enjoying themselves over a glass of wine in one of those cute little terraces (the streets are filled with it). If you suddenly feel the irresistible urge to buy some fruits, you will find some greengrocers. If you feel the need to try a lot of varieties of cheese, don't hesitate to make a stop in one of those "fromageries." It is a great place to get a sense of that Parisian folklore. Hear me out: this street has a great deal of restaurants, bars, and a few fashion boutiques. And with Paris being this multicultural city, the popular street has a variety of restaurants from Italian to Asian, and you even get to see how French people interpret American street food. But the reason why I am mentioning this street, in particular, is that it is where you can find a restaurant that is a real Parisian institution. It is called L'escargot Montorgueil.Yes, l'escargot... as in snails! It's this restaurant's specialty! It is located on the 38th of Montorgueil Street. The popular restaurant is almost two centuries old, and they have specialized in serving snails since 1832. French people are globally known for eating frogs and snails. Some people seem to be disgusted by it, while others are ready to try this experience! I personally tried some frogs' thighs when I was a teenager. At that time, my father tried it in a restaurant and then decided to let us taste it. And if you want my honest opinion, it is not the best French dish. Regarding snails, I only tried them once I became an adult. It was precisely two summers ago. After studying abroad for a semester, I've been confronted with the idea that foreigners had about France. Most of the students from other countries that I talked to were thinking that France was a place where people were on strike 24/7, ate snails and frogs at each meal, and lived very romantic lives. I'm being a bit caricatural, but in a way, this experience got me thinking about how I've missed certain typical French things. One year later, when the occasion presented itself, I decided to try the infamous French dish. I didn't think that it would be something that I would like to eat, but it turned out that I did. The snails were baked with a sauce made out of parsley. And it was delicious. I was ready to go for snails for a second time. But this time, I didn't choose to have some in any random place, I went to L'escargot Montorgueil. On the menu, you have the choice between big or small snails, which can be cooked with foie gras, truffle, or even pepper. They also serve classic French dishes like duck, beef, pork, lamb, and salmon, and they, of course, serve frogs. During this lunch, I chose to eat lightly, and I had six foie gras snails followed by a French toast-style brioche. The snails came with bread sticks and bread along with a special clamp and a kind of fork with two prongs, which are there to help you eat your snails. I think that L'escargot Montorgueil is a must-try when you travel to Paris. It gives you the occasion to try traditional French cuisine while enjoying spending time in an amazing atmosphere. The design of the restaurant, which is Second Empire style, gives this restaurant this kind of very Parisian chic setup. If you hesitate to eat in a place this fancy because you think that there is a certain etiquette to respect that you might not know about, don't! It is a place where a lot of tourists come to eat, so servers are familiar with people coming there to try snails for the first time. If you ask them, they will go through the menu with you, and they will explain to you the different meals. But just so you know, it is highly possible that they struggle to communicate in English with you. Despite what they show on Emily in Paris, French people tend to speak English very poorly. Not far from this restaurant, there is a very famous bakery called Stohrer. Just like L'escargot Montorgueil, it is a century-old place. Stohrer was founded by Nicolas Stohrer, who was a royal baker around the time when King Louis XV ruled France. This renowned baker invented the popular French pastry called le baba au rhum. A Visit to the Yves Saint Laurent Museum Yves Saint Laurent Museum in 2018 Luc Castel/Getty Images The Yves Saint Laurent Museum opened back in 2017. Since then, every year, fashion lovers are invited to go to the 5th of the Avenue Marceau in the 16th arrondissement of Paris to discover or rediscover the impact that Yves Saint Laurent has had on fashion. The choice of the location of the museum is deeply rooted in the brand’s history. For several decades, this particular hotel of the sixteenth arrondissement of Paris was the place where Yves Saint Laurent's team was conceiving the pieces of his collection. And it was also there that the high-profile clientele could try on the pieces that they fancied in the dedicated salons. When I visited this museum, an exhibition called Gold by Saint Laurent was on display. I love how it takes us through the fashion journey of Saint Laurent, explaining what drove him to be into fashion. Then showing us his world, we get to see some of the celebrities he worked with and hung around with. This exhibition might be the only place where you can see big French icons such as rockstar Johnny Haliday and actor Catherine Deneuve in a photo with Saint Laurent in one room. And then, in another room, you can see pictures of Black fashion icons such as Grace Jones or André Leon Talley attending one of Yves Saint Laurent's events. I was amazed by how eclectic Yves Saint Laurent's social world seemed to be. The other thing that really amazed me was the beauty of the collection of dresses. There were not any pieces shown that didn't scream elegance, class, great taste, couture, and luxury. If you are interested in visiting the Yves Saint Laurent Museum, buy your ticket in advance on the museum website. Unlike the Dior gallery, you don't have to get your tickets two weeks ahead of your visit. You can get one for the same day if you go to the website early in the morning. An Afternoon at the Palace of Versailles Courtesy of Thia M. The mythical castle constructed at the demand of Louis XIV isn't far away from Paris. Depending on where you are in the city, you can get there in half an hour or in one hour. When you get off at the station Versailles Rive Gauche, you only have a few minutes to walk before arriving in front of the beautiful and majestic portal of Versailles Castle. Even before entering the castle, you will feel the spirit of wealth and greatness that this place conveys. If you take a closer look at the portal, you'll notice that it is made out of gold and that it has details on it, such as a sun which is Louis XIV's emblem. The same symbol is reproduced on several doors and moldings inside the palace. Once you pass the gates and the security check, you will find yourself in a courtyard facing the castle. Once again, the immensity of the palace standing in front of you and the beauty of the golden details that decorate the front can leave you in awe. The rooms I enjoyed the most were the Queen's bedroom, in which you can feel that each and every detail was chosen to reflect the refinement of her majesty. I also liked how the King's room resembled strength and power. The other room that I was really eager to discover was the Hall of Mirrors. Courtesy of Thia M. I've seen many pictures of this famous section of the palace, and I couldn't wait to see for myself how it was to walk in this large gallery full of mirrors. When I walked into the room, I was surprised by its dimension (it's a very long hallway) and the number of chandeliers that have been installed all along the gallery. If you are lucky, you may be able to have your picture taken without having too many people in the background. But with this particular room of the palace often being crowded, the best solution might be to take your picture anyway and to edit the people from the picture when editing it. Once we finished visiting the castle, it was time for a sugar break. So, we went to the popular tearoom Angelina for hot chocolate. It is one of Paris's institutions in terms of tearooms. The first boutique of this franchise opened 120 years ago and quickly became a hot spot that appealed to the Parisian aristocracy. What differentiates Angelina from other pastry shops is their unique way of making hot chocolate. After spending almost two hours in the castle and taking the time to enjoy a hot chocolate at Angelina, we did a quick tour of the palace’s gardens. If you want to visit the Palace of Versailles without being in a rush, you should take between two to four hours of your time to do it so that you fully appreciate your experience once you get there. The palace closes its doors at 5:30 p.m. So I recommend you to go there at 2 p.m. at the latest. Tickets for visiting the palace and the gardens cost €19.50, which is $20.50 USD. Dinner at La Villa Massaï Courtesy of Thia M. For a friend's birthday, I recently had the occasion to have dinner at La Villa Massaï. It is one of the hottest African restaurants that Paris has to offer. With its remarkable decoration inspired by Maasai culture, this restaurant is giving you a unique experience as soon as you enter and go through the stairs that face the entry. I love the fact that we were greeted by the staff when we first walked in, and then they guided us toward our table. While the DJ was playing Afrobeats music (French singers with African roots, such as Maître Gims or Dadju were definitely on his playlists, as well as a lot of great Nigerian artists), we took the time to settle, and then a server gave us the menu. I went for lamb cooked in the dibi way, which is a West African specialty. Some of my friends ordered maafe (another typical West African dish), and one went for a poulet DG(it's more of a Central African specialty). One thing is for sure we all were very pleased with our meals. The food was so tasty that I didn't leave anything on my plate. And to further the experience of tasting African flavors, I choose to drink a mojito bissap. When I go out for drinks, my cocktail of choice is the mojito. And whenever I go to some African events, I'm always happy to have one or two glasses of bissap. So when the server told me about the mojito bissap, it really triggered my curiosity, and I just had to try it. It only took me a few sips to decide that a mojito bissap is better than an actual mojito. I love how the drink, made with hibiscus flower and rum, has a more sugary taste than the classical mojito. A Stroll from the Champs Elysées to the Eiffel Tower Courtesy of Thia M. I recently had a conversation with some American tourists, and they told me that one of the things they appreciate the most in Paris and that they found very different from the U.S. is the fact that they felt like Paris was a pedestrian-friendly city. For them, circulating in the city was totally doable on foot, which is true. But we tend to rely too much on the metro, when walking can enable us to see and feel the Parisian ambiance, see what Parisian people are actually wearing, find some little shops that you wouldn't have heard about otherwise, or why not do some window shopping. Speaking of window shopping, or actual shopping, I feel like one of the best ways to combine walking while treating yourself is to take a walk from the subway station, George V, all the way to the Eiffel Tower. It's an itinerary that is only about half an hour long that gives you the occasion to wander on the Champs Elysée, which French people like to call the most beautiful avenue in the world. This big commercial area has your needs covered. If you are looking for macaroons, just go to Ladurée or Pierre Hermé, if you are more interested in luxury, you'll find what you need at Louis Vuitton, Dior, or Bulgari. If you are more into beauty, there is a Sephora nearby where you can go shopping. And if you plan on having lunch or dinner here, just know that there are a lot of restaurants in this area too. I mentioned window shopping earlier because it is my favorite thing to do when I'm walking on Avenue Montaigne. This street, specially designed to link the Champs Elysée to the Alma Bridge, is where you can find the highest concentration of luxury brands. Chanel, Prada, and Gucci, to name a few, have stores there. What is particularly pleasing to me is to see what scenography, what products, and what colors are in season by peeking inside the high-end stores. I also like walking by those 4- or 5-star hotels, dreaming that one day I'll experience a stay in one of those places. Courtesy of Thia M. Within minutes, you'll arrive at the Alma Bridge. Facing the bridge, you will see the Flame of Liberty, a statue gifted from the U.S. to France during the '80s. You can see in its design that it is made to emulate the flame of the Statue of Liberty as a symbol of the great relationship between the two countries. However, many Parisians think of this installation as a gesture from the Americans to France. Rather, they see this statue as a monument built to honor the late Princess Diana, who passed away in a tragic accident that happened nearby. People often leave a flower at the feet of this Flame to commemorate the Princess of Hearts. Once you have crossed the bridge and taken many pictures of La Seine, you only have to walk down the Quai Jacques Chirac (yes, it has been named after this famous former French president), and in more or less fifteen minutes, you will find yourself in the Eiffel Tower Garden. If you decide to climb the tower without having bought your ticket online, you will wait several hours before accessing the monument. To get tickets online for the Eiffel Tower, you have to book your reservation one to two months ahead. You should know that even with an e-reservation, it is less likely that you can access the tower right away. One weird fact about Parisians is that if you mention to them that you're going to go inside the Eiffel Tower, you will notice that a lot of them have been living here for several years but have never done it. I personally think that it can be explained by the fact that many people that you encounter in Paris have moved here for their studies, or in order to get a job. And most of them have developed a certain lifestyle that evolves around certain hobbies, passions, or activities that they have, forgetting about the wealth of Parisian patrimony and not taking the time to enjoy visiting Paris landmarks. I hope that you appreciate my guide as much as I loved wandering in Paris, thinking of what I will recommend you to do during your stay here. Featured image by Charday Penn/Getty Images
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Mr. Khalid Petiwala Founder Al-Hamd Academy He is a renowned author and mentor in the field of Taxation, Corporate law and Cost and Management Accounting. He is founder of “Al-Hamd Academy” and “Al-Hamd College of professional Education” (ACPE). Latest posts by alia noor (see all) - UAE-Ministry of Finance decision on transfer pricing documentation requirements for corporate tax purposes - May 11, 2023 - UAE-Ministry of Finance issues Ministerial Decision on Exempt Persons for Corporate Tax Purposes - May 10, 2023 - Does meeting UAE Domestic Tax Residency criteria mean Corporate Tax Applicability? - May 2, 2023
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Xplorer Amber Croghan Performing on Broadway, coaching Barre, and creating lasting fitness communities. What do musical theater and boutique fitness have in common? They were foundational pieces that led Amber Croghan, a Customer Support Specialist in Fitness & Wellbeing, to joining the Xplor family. Originally from Milwaukee and the oldest of three, Amber developed an early love for musical theater – and from the age of 12 and up, she was in shows non-stop. Thankfully, her parents (having no background in theater at all) were extremely supportive. “My dad, who had always assumed his kids would play a bunch of sports like he did, prepped me for auditions like he would prep my brother's football team,” she said. “When I was auditioning for Annie, we would drive to my middle school and he’d ask, ‘Who are you!?’ and I’d say, ‘I’m Annie!’ over and over again.” That prep work paid off, as she went on to perform nationally, regionally, and off-Broadway in her 20s. But then, an injury changed the course of her pursuits: a torn Anterior Cruciate Ligament (ACL). Luckily, she had a side job at a front desk of a boutique barre studio, so she was able to take classes for free, which was helpful for her ACL tear recovery. Little did she know, this would unlock an undiscovered career path. “After I tore my ACL, I was so lost. I was constantly taking classes, but I felt like I would never get back to what I used to be able to do,” she said. “[The head instructor] must have seen how hard I had been working and really took me under her wing. She really encouraged me to take the leap into Barre training and auditioning to be on staff at the studio." Plus, after a year of rehabbing her injury, Amber started to realize what it took to be a great coach. So, she thought, “Well, if I’m here all the time anyway, why not train myself?” “A year after that, I was on the schedule coaching Barre. Fast forward a year more, and I’m coaching Barre and Lagree Method full time,” she said. “I coached around 20 classes a week. I bounced around all the neighborhoods in Manhattan and Brooklyn.” Studio Operations seemed like the natural next step from coaching full-time; Amber had already worked at the front desk and behind the scenes in management at two different major NY studios, so she felt confident applying for Studio Manager positions in her new home of Chicago. She ended up hitting the jackpot and getting to open Wicker Park [solidcore] from the ground up – and yes, the [solidcore] brand name is always written inside square brackets! “During the pandemic, I helped with the shutdown of the studio as well as the re-opening of all five [solidcore] Chicago locations. In January 2021, I was able to open a new studio in a new market [solidcore] Milwaukee.” Now, as a Customer Support Specialist in Fitness & Wellbeing at Xplor, Amber says her experience working in studio operations on an SMB level for a big brand like [solidcore] helps her connect and empathize with the clients she currently works with – because she’s been in their shoes. “I feel like I can untangle their requests, questions and comments in a way that they will understand because my brain likely works similar to their way of thinking,” she said. “Speaking ‘tech’ is a hard language to understand, and so often our studio managers and owners have no background with what we try to explain. I like to think that I can translate this in a way that is helpful." Beyond her expertise in customer experience, Amber says she chose to work for Xplor because of the flexibility they offer – which makes sense, seeing as how traveling with her family growing up made traveling a passion she currently enjoys with her husband. “This has allowed me to spend more time with family, travel more, and explore (pun intended!) a world that I truly knew very little about previously,” she said. “I chose to work here to continue to be a leader in my field of expertise, the boutique fitness world, but in a greater capacity too.” When asked what advice she has for younger people following in her footsteps, Amber emphasizes learning and adapting as you go, and having a great attitude along the way. “Go with the flow. Prioritize the people around you who support you, and yourself. Allow expectations to change and the definitions of what you want to continue to evolve. Take every opportunity to continue to learn, have fun, and focus up! Stay positive in your outlook but be critical in your thinking.” With so much support from her family and her colleagues throughout her life, it’s no wonder, then, that the Xplor value that most resonates with Amber is creating lasting communities. “This resonates with me wholeheartedly. Everywhere I have worked I have found that if the community is strong, the business can thrive."
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YIT ACQUIRES TWO COMPANIES IN FINSPÅNG, SWEDEN YIT has acquired Elektriska Installationer i Finspång AB and the sister company Kraftmontage i Finspång AB as of 1 February, 2012. The companies have over 20 employees and combined revenues exceed SEK 20 million (EUR 2.27 million) - The acquisition strengthens our existing operations in Finspång and is in line with our strategy to be established in locations that are undergoing rapid growth and expansion. We are proud to welcome our new employees to YIT, says Jörgen Mattsson, CEO of YIT Sverige AB. Elektriska Installationer i Finspång AB was founded in the 1920s and is today a successful, full powered company with expertise and experience in electricity, telecommunications, data, alarm and low voltage installations. Businesses include both installation and service and the company has a strong market position. Kraftmontage i Finspång AB is specialized in renovation and new construction of substations providing construction and manufacturing through its own company The company also has expertise in working with high voltage up to 40kV. - We are pleased with the business that we and our employees have built up over the years. We are looking forward to the new owners and colleagues, and continue to develop both our business and our customer relationships, says Göran Carlsson, CEO of Elektriska Installationer i Finspång AB and Kraftmontage i Finspång AB. For more information, please contact: Peter Almtoft, Regional Manager, YIT Sverige AB, phone +46 (0)13 37 32 20 Göran Carlsson, CEO, Electric Installations in Finspång AB, phone +46 (0)122 160 20 Senior Vice President, Corporate Communications YIT celebrates its 100th anniversary in 2012. The company was established in the Grand Duchy of Finland in 1912. Today, YIT is a leading European service company in building systems, construction services and services for industry. Our 26,000 professionals serve customers in 14 countries in the Nordic and Baltic countries, Russia and Central Europe. We have grown together with our customers and developed our services in line with the changes taking place in different societies. We intend to continue on that track. Our vision is to lead the way in creating and maintaining good living environments. In 2010, YIT’s revenue was approximately EUR 3.8 billion. YIT’s shares are listed on NASDAQ OMX Helsinki. www.yitgroup.com YIT is the Swedish leader in installation and service of building system services. The company offers a complete assortment in technical installations, operations and maintenance, and facilities management. Through functional installations for, among other things, electricity, heating, ventilation, cooling, sanitation, process media, security and protection, as well as datacom and telecom networks, the services contribute to profitability, security and better living environments. YIT operates with more than 4,000 employees at approximately 100 sites in Sweden.
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Vinyasa Evolution (I,A) Vinyasa Evolution : This class can say that it’s very challange class for all levels. This class encourages students to connect breathing to breath reightly while practicing asanas with difference postures and practices. You will be stronger, healthier, lot of sweat in this class. The asanas in class will be combination between beginners & intermediate and Advance asanas. Core muscle, arm balance, deep streching/twisting will be added. All levels can try and take options of asanas from the yoga instructor.
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Melbourne is one of the most competitive office markets in the world. It’s regarded as a major hub of commerce throughout Australia, so you are likely to face a great deal of competition in Melbourne. Real estate properties throughout Melbourne are incredibly expensive, so most business owners can’t afford to buying commercial properties outright. As a result, many turn to renting properties. If you have started a small business and want to rent an office in Melbourne, there are several steps that you need to take. Many local businesses that want to set up a separate office have limited budgets, so it’s important that you first consult with an office fitout company. Office fitout companies offer a variety of services to local businesses. Here are just some of the many advantages that you get for hiring a fitout company. Finding a Suitable Commercial Location As mentioned above, Melbourne is an incredibly competitive location for starting a business. If you want to build an office in Melbourne, you will first need to find a suitable place where you can set up your business. Companies that offer services like office fitout in Melbourne have contacts with several real estate agencies throughout the area. They will be able to help you find a suitable commercial location where you can establish your business. The fitout company will ask about your budget and your requirements, and it will show you several places that fall within your range and are a suitable choice. Setting up the Office Once you rent the commercial location, there are many other things that need to be done. You will need to install essential services like internet connectivity and telephone lines. Apart from that, you will also need to buy the furniture and the equipment needed for the office. For most business owners, this is very difficult to arrange all by themselves. Delays in office setups are going to affect your profitability. If you hire an office fitout company, they will purchase the furniture for you at a discount, and they will also hire an interior designer to set up the office. As long as you settle on a budget, the company will do everything for you. From time to time, you are also going to need to hire an office maintenance company to carry out essential repairs in your office. You can set a schedule with the office fitout company and they will send over a team for maintenance work on your property. Hiring an office fitout company is an excellent choice for local businesses that want to set up shop and start operating at maximum capacity as quickly as possible. The fitout company will handle everything for you and set up the office location.
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2023-09-27T11:10:40Z
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Yeovil Town are back on SkyBet League One action this coming Saturday when Crawley Town visit Huish Park for a 3pm kick off. Attention returns to on-the-field matters for the game as most of the media coverage has surrounded the departure of Gary Johnson on Wednesday. Johnson’s second spell in charge at Huish Park had come to an end following a poor run of results since dropping out of the Championship. Assistant Terry Skiverton (pictured below) and coach Darren Way take over the reigns for the foreseeable future and that begins with Saturday’s vital home fixture. It’s 24th vs 22nd in the league and with both sides within touching distance of the safety zone the match has huge significance. With a win, Yeovil can jump up to 21st and leapfrog up to three other sides – including Crawley. Terry Skiverton will have a couple of key decisions to make to the side, firstly, with Jed Steer returning to Aston Villa he will need a replacement goalkeeper in the Glovers side. Artur Krysiak (pictured below) leads the line for a spot in the side with Chris Weale still side lined with an injury, goalkeeper coach Gareth Stewart still holds his playing registration and could take his place on the bench. Also returning to the squad is defender Ben Nugent; the Cardiff loanee has been out of the side for the last four games through suspension but is now available again. Striker Kieffer Moore has been filling in at the heart of the defence, if Nugent does get his place back, Moore could return to a more attacking role. New signing Fergus Bell is also placed to make his debut after being an unused substitute last time out away at Peterborough. As for Crawley, they too have seen a managerial switch this season with Dean Saunders taking over from John Gregory (pictured below). They have also been busy in the transfer market signing Mathias Pogba and Lee Fowler over the last couple of days. In terms of form, Crawley actually sit below Yeovil in the table; they have lost their last five consecutive away fixtures and haven’t won a league game on the road since the opening day of the season. No side in League One has lost more away games this season than Crawley, their nine losses on opposition territory is one more than a number of sides, including Yeovil. The two sides have met twice already this season, once in the league and once in the FA Cup First Round. In the return league encounter, two headers from former Glovers trialist Marvin Elliott secured all three points. However, in the FA Cup, Yeovil got their own back at Huish Park. Manchester City loanee Jordy Hiwula scored the only goal of the game that sent the Glovers through to the second round. Prior to this season, the sides have only crossed paths once, during the Yeovil promotion season of 2012/13. In the away fixture, a last gasp own goal gave Yeovil all three points while goals from Paddy Madden and Byron Webster put Yeovil 2-0 up at Huish Park. However, goals from Joe Walsh and Matt Sparrow saved a point for the Red Devils. Yeovil will be hoping to take advantage of their unbeaten home record against Crawley and put themselves in prime position for a climb up the table. The news from ticket office is good too, early bird sales have been good and the early bird savings can be taken advantage right up until 1pm on Match Day. So, buy your tickets now and save money or come along on Saturday and take advantage of the same pre-match price. Buy in person at Huish Park, call the ticket office on 0193584788 or click HERE to buy online. The online ticketing purchase system has availability for all the upcoming home games. Terry Skiverton takes charge again this Saturday and everyone at the club needs your support to get the club back up the table where it belongs. So, bring a mate, bring the family and get behind Skivo, Daz as well as Joe Edwards and the whole squad as Yeovil Town take on one of their relegation rivals. Famous Fans: Well, I honestly couldn’t find any, although England footballer Faye White and Aussie hard man Kevin Muscat were both born there. A Foot in Both Camps: Conor Clifford, Ryan Dickson, Marvin Elliott, Rene Gilmartin, Matt Harrold, Andy Lindegaard, Gavin McCallum, Scott Rendell, Gavin Tomlin, Simon Weatherstone and Lewis Young (pictured above). Did you know? The fictional character “2D” from the band ‘Gorrilaz’ was from Crawley, as their back story, written by Daman Albarn, states.
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2023-09-27T11:06:21Z
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Good quality comes initial; company is foremost; small business is cooperation" is our business philosophy which is frequently observed and pursued by our business for Industrial Circuit Breaker, Circular Knitting Machine Controller , Solenoid Type Generator Automatic Transfer Switch , Automatic Transfer Switch Ats 400a ,200 Amp Automatic Transfer Switch . We would like to take this opportunity to establish long-term business relationships with clients from all over the world. The product will supply to all over the world, such as Europe, America, Australia,Juventus, Singapore,Porto, kazan.We believe with our consistently excellent service you can get the best performance and cost least products from us for a long term . We commit to provide better services and create more value to all our customers. Hope we can create a better future together.
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2023-09-27T10:43:14Z
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*2017 Chardonnay, CA Library Selection Wine ZD recommends using an ah-so wine opener on library wines. Be sure to add one to your cart if you don't already own one! The 2017 vintage is a classic example of the bright, fruit driven, well-balanced Chardonnays that are the signature style of ZD Wines. In this stunning wine, we blended four cool coastal growing regions of Santa Maria Valley in Santa Barbara, Arroyo Seco in Monterey County, and the Napa and Sonoma Carneros. The grapes for this wine were hand harvested at night and barrel fermented in our cellar at 48-50F. This long, cold barrel fermentation ensured bright tropical and citrus aromas were highlighted, while the natural acidity was preserved, inhibiting the secondary malolactic fermentation. Aged for 10 months in American Oak barrels also add richness and balance to this wine. Intense and alluring, tropical aromas of guava, pineapple, and lime zest are complemented by subtle hints of orange blossom and vanilla. The palate is rich and full of citrus notes mingled with flavors reminiscent of crème brûlée, and the bright acidity is well balanced by subtle oak characteristics.
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2023-09-27T10:59:02Z
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Develop Top Performing Healthcare and Insurance Agents Through Simulation Training Zenarate AI Coach Simulation Training for Healthcare and Insurance Agents immerses agents in life-like Conversation, Screen, and Chat Simulations to master high-impact topics they will face with live customers and prospects Trusted by Leading Brands Deliver Consistent Superior Customer and Prospect Experiences Across Your Healthcare and Insurance Business Agents role-play with their personal unbiased AI Coach to master high-impact call types they will face with live customers and prospects Hiring managers see & hear candidates in action before they hire New Hire Training Develop confident prepared new hire agents before they speak with live customers & prospects Tenured Agent Upskilling Close tenured agent call type and skill gaps How Does Zenarate AI Coach Work? Through AI-Powered Simulation Training: Conversation ◊ Screen ◊ Chat Zenarate AI Coach uses advanced AI to simulate any customer or prospect scenario, immersing agents in life-like conversation, screen, and chat simulations. And AI Coach provides tone, soft skills, and best & required practice coaching throughout the simulation training. Agents engage with their personal unbiased Zenarate AI Coach on high-impact conversation, screen, and chat scenarios they will face with live customers. Your Zenarate AI Coach provides a Simulation Scorecard certifying agents who have mastered your best methods. Now your agents are ready to engage with live customers & prospects as confident top performers.
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2023-09-27T12:53:39Z
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Research Group Neuromorphic Computing The Neuromorphic Computing Group develops advanced neural-network based algorithms, software libraries, and systems with the new generation of computing chips – brain-inspired neuromorphic sensing and computing hardware. We focus on perception, motion planning, and control for robotic actuators with applications in life sciences: healthcare, agriculture, food processing, and smart environments. We follow a human-centered design approach to develop new generation of physical AI systems that are power-efficient, adaptive, and safe. - Neuromorphic computing hardware and algorithms - Event-based vision - Robotics: Motion planning, control, SLAM - Efficient machine learning and AI - Dynamical systems, cognitive architectures - Assistive robotics in healthcare, agriculture, food processing, smart environments - Machine vision in healthcare, agriculture, food processing, smart environments - Continual learning and adaptive systems - Robot safety, human-robot interaction Optimization of online education systems with reinforcement learning The research question we tackle in this project is "Can we simultaneously increase student engagement and retainment by optimizing the order of exercises in online education courses?". To achieve this goal, we develop new algorithms to measure student engagement and retainment. We then evaluate reinforcement ... Employing Natural Language Processing to identify inconsistencies in companies’ non-financial communication NLP &ML tools for Swiss asset managers and owners for identifying inconsistencies in companies’ financial and non-financial communication
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https://www.zhaw.ch/en/lsfm/institutes-centres/icls/cognitive-computing-in-life-sciences/research-group-neuromorphic-computing/projects-page-5/
2023-09-27T11:59:48Z
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For years, US Republicans have complained that they are mistreated by social media companies, either through subtle algorithms that reduce their reach or through flat-out censorship. But a New York University study concludes the opposite, dispelling the myth that big tech is censoring conservatives. "After close review of recent Tweets from the @realDonaldTrump account and the context around them — specifically how they are being received and interpreted on and off Twitter — we have permanently suspended the account due to the risk of further incitement of violence," a Twitter blog post read on the 8th of January 2021. The decision came on the heels of the 2021 US Capitol insurrection, where nearly 200 officers were injured and 5 people were killed. It was an event many felt was fueled by Donald Trump, who refused to acknowledge Joe Biden as president and spread countless conspiracy theories about the elections, oftentimes on social media. Trump reacted by calling the ban an assault on democracy and Twitter a "Far Left platform". While Trump certainly took things to an unprecedented level, his statements were in line with ideas spread by republicans for a number of years: the idea that social media companies are somehow biased pro-left and against them. 'Conservatives commonly accuse the major social media companies of censoring the political right. In response to Twitter’s decision on January 8, 2021, to exclude him from the platform, then-President Donald Trump accused the company of “banning free speech” in coordination with “the Democrats and Radical Left”,' the new study reads. The study, which has not been peer-reviewed, shows evidence that conservative politicians and media receive as much attention as their liberal counterparts -- if not more. Contrary to this idea, Trump has been by far the center of social media attention in the 2020 elections. Even as he demonized big tech in 2016, this very big tech (and social media especially) were largely responsible for his victory. Brad Parscale, his former digital campaign chief, told Wired just after the election: “Facebook and Twitter were the reason we won this thing. Twitter for Mr. Trump, and Facebook for fundraising,” adding that Targeted ads on Facebook helped generate the bulk of the $250 million the first Trump campaign raised online. The study looked at millions of posts from Facebook, Instagram, Twitter, Reddit and 4chan, but that hasn't stopped leading Republican members from blaming social networks of bias. “What we are watching — the militarization of social media on behalf of Democrats, and the overt suppression of material damaging to Democrats to the cheering of the press — is one of the single most dangerous political moments I have ever seen,” conservative commentator Ben Shapiro wrote on Twitter on Oct. 15. Shapiro has 3.3 million followers on Twitter. This alleged bias does not seem to be backed by facts, the authors write. Instead, as Renée DiResta of the Stanford Internet Observatory describes it, this bias allegation is nothing more than a 'narrative, deployed as a cudgel by politicians who use it cynically to rally their base’ -- and it works. A survey from Pew Research Center in August indicated that 90% of Republicans believed social media sites censored political viewpoints. Even 59% of Democrats had the same view. Things aren't always straightforward, but Americans seem to believe social media acts as a censor -- and the facts don't back the narrative. In fact, social media doesn't seem to be targeting conservatives or Republicans, but rather "people who violate its rules by calling for violence, harassing others, or advocating hateful ideologies," the study reads. Among the right-leaning users who have faced enforcement action on Twitter are white nationalists like Richard Spencer, Jared Taylor, and David Duke, as well as white nationalist organizations such as the American Nazi Party, the neo-Nazi Traditionalist Worker Party, and American Renaissance magazine. In other words there's no problem if you're a conservative, but if you're leaning on a neo-Nazi party or white supremacy, or you're advocating for violence, you may get a Twitter ban. This is not to say that social media platforms are perfect -- far from it. Big Tech is flawed in many ways, and this bias allegation comes in large part due to the lack of transparency of social media networks. There is certainly a lot of work that needs to be done on multiple fronts, and calls for increased transparency and regulation are only getting stronger. In fact, the European Union has announced plans to regulate big tech companies more tightly, but since one of the main focus points is removal of 'harmful content', that may end up with more bans for hateful content, not less. Ultimately, while it's hard to both prove and disprove any type of social media bias, there doesn't seem to be much evidence (if any) to support this alleged bias. If anything, it seems more like the bias allegation itself is disinformation, the researchers conclude. “The claim of anti-conservative animus [on the part of social media companies] is itself a form of disinformation: a falsehood with no reliable evidence to support it," the NYU researchers write. "[..]as they condemn supposed social media favoritism, conservatives appear to relish wielding the bias-claim cudgel, even though it’s based on distortions and falsehoods." A long-lasting problem Trump has been the leading purveyor of this accusation, and his vitriolic rhetoric is unprecedented for an American president. But the narrative won't disappear with him. Almost certainly, right-wing channels (and far-right-wing channels) will continue to push it, especially because it resonates so well with some voters. So what should be done? The researchers propose a list of 7 actions that social media companies can take to increase transparency and become more trustworthy: - Provide greater disclosure for content moderation actions. Platforms don't typically provide much justification for why a post or account is sanctioned, and sometimes, the results are perplexing. For instance, conservatives protested when Twitter flagged Trump for promoting violence, but didn't do the same for Ayatollah Ali Khamenei, Iran’s supreme leader, who threatened Israel with annihilation. This is not a sign of anti-conservative bias, but it is a lack of transparency and consistency. - Offer users a choice among content moderation algorithms. Some users want to see more violent and hateful content. Others don't. Giving users the chance to choose between these two moderation variants would empower them and also reveal how some of the darker social media bubbles form. - Undertake more vigorous, targeted human moderation of influential accounts. Big tech companies like to say they leave moderation to the algorithms, but human moderation is severely missing from these platforms. At least for high-profile cases, human moderation needs to be more vigorous. Of course, for this, tech companies would have to hire and train more employees. - Release more data for researchers. Part of the reason why it's so hard to disprove allegations of an anti-conservative myth is because the available data isn't sufficiently detailed. Social media platforms offer some data, but it's not enough to carry out detailed analysis, researchers point out. - Pursue a constructive reform agenda for social media. Big tech companies are here to stay, at least for the foreseeable future. Trying to destroy them won't do anyone any good -- instead, the White House should focus on a reform and not wait years for court battles. "The president—perhaps by empowering a special commission—needs to foster engagement with the private sector on content related issues," the researchers write. - Work with Congress to update Section 230. Enacted in 1996, this law helped online platforms and protected them from a swath of potential liability -- which was useful when they were small companies with small budgets. Now, as these companies have grown and changed so dramatically, their liability needs to change accordingly. - Create a new Digital Regulatory Agency. Some of the distrust in tech companies is warranted. But another part of it comes directly from the proliferation of myths such as the anti-conservative bias. Trust is extremely hard to build, but researchers suggest that a new independent body that would enforce the updated changes in Section 230 could help wtih that.
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https://www.zmescience.com/science/republicans-often-complain-that-theyre-censored-by-social-media-thats-not-true-a-new-study-shows/
2023-09-27T12:12:35Z
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A tiny baby Pygmy Hippo has been born at the Bristol Zoo Gardens in the UK. The youngster is three weeks old and joins parents Sirana and Nato in the Zoo’s Hippo House. The calf, which is yet to be sexed, currently spends time exploring the exhibit and using the heated pool. To enable Nato and Sirana time to settle into their parenting duties, the hippos had remained off-exhibit, but the family can now be seen for brief periods of time at the Hippo House. Lynsey Bugg, Bristol Zoo’s Assistant Curator of Mammals said, “The calf is looking very strong and it certainly feeds well. Like any youngster, it wants to be close to Mum at all times and is often seen by her side. It spends short periods of time in the water but is not quite as good at swimming as its parents, so we often see Mum, Sirana, guiding her little one back into the shallow water. Young hippos tire easily.” The Pygmy Hippopotamus (Choeropsis liberiensis or Hexaprotodon liberiensis) is threatened in the wild. In Liberia, destruction of forests surrounding the Sapo National Park by logging companies is damaging one of the few remaining strongholds for the Pygmy Hippo. Bristol Zoo Gardens is part of an international captive breeding programme for the Pygmy Hippo. Lynsey continued, “The European programme is a well-established and very successful programme and our male, Nato, is a genetically important animal; by default, so will be his offspring.” In the wild, females usually breed once every two years. A single youngster is born, after a gestation period of about six months. The baby weighs between four and six kilos (8 to 13 lbs.) and is unable to walk very far at first. Its mother conceals it in thick cover, visiting it to feed it. After three months it is able to feed on vegetation. Pygmy Hippos are, as the name suggests, much smaller than the Common Hippopotamus (Hippopotamus amphibious), with proportionally longer legs, a smaller head, less prominent eyes and ears more towards the side of the head. The Pygmy Hippo's nose and ears can be closed underwater, an adaptation to aquatic life. The Pygmy Hippo is classified as “Endangered” on the IUCN Red List of Threatened Species. There were estimated to be about 2,000 left in the world a decade ago, when the last population survey was done. Since then, political unrest, habitat destruction and wildlife trafficking in their native habitats are likely to have reduced the wild population to critically low numbers.
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2023-09-27T12:42:55Z
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Funding, engagement and highway event permits Funding programs help communities expand, maintain and upgrade infrastructure and promote economic growth. Through engagement, British Columbians can shape the future of transportation in B.C. The Province also accepts applications for filming, special events, cattle drives, as well as development or subdivision on or near provincial highways. A highway use permit is needed to create access to a highway, to construct, repair or maintain works, or hold an event on or along a provincial highway right-of-way. The Ministry of Transportation and Infrastructure manages provincial highways and has authority to make decisions about what kinds of activities may take place on highway right-of-ways. Transportation and infrastructure community funding opportunities help communities and groups expand, maintain and upgrade infrastructure and promote employment and economic growth.
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2023-09-27T11:55:18Z
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Much of your efforts in developing an exceptional customer experience go toward moving callers quickly through the IVR, and minimizing time spent in queue, while resolving issues on their first attempt. But how can you accomplish all of this with your current resources? Consider the issues that affect your company’s IVR and on hold environments. - Do you have extended business hours at certain times of the year? - Do you have a “queue critical mass” policy where you stop accepting calls when certain limits are reached or at a certain time of day? - Are hold times longer? Shorter? - Are there one or two FAQs to which answers could help alleviate stacked up queues? - What are the alternatives to speaking with a representative? - Live Chat - Special website/web pages - Online communities - Instructional whitepapers and/or videos In the IVR, make sure information is accurate – business hours are correct, direct callers to faster resources for resolution where available, and always let them reach a representative when they wish. For the Message on Hold environment, less talking + more music = happier callers. Many callers feel that speaking with a representative is the fastest or best way to have questions answered and problems resolved. When you share information in your message on hold, it becomes a tool that can help build your callers’ confidence in alternate resources. For ideas and assistance with “max-capacity” challenges in the IVR and Message on Hold environments, speak with your Walsh Media Project Manager.
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2023-09-27T10:51:25Z
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We present this Bennett Jones Spring 2022 Economic Outlook in a period of great uncertainty. A war in Europe and the ongoing COVID-19 pandemic, in addition to exerting a devastating human toll, have reverberated through the global and Canadian economies. How these and other external forces will evolve, and how policy authorities worldwide will respond, are unknowns that make the development of economic projections and business plans unusually hazardous. What we do know, after a strong recovery of activity and employment from the period of COVID lockdowns, is that the world today is very different than only some years ago. In the period following the Great Recession, central banks and governments confronted a demand deficit and persistently low, below-target inflation. The opposite is true today. There is now a supply deficit. And correspondingly high, above-target inflation around the world, including in the United States and Canada. Global supply was slow to adjust through the recovery to the rebound of demand. Supply chains were disrupted by lockdowns, worker absenteeism, and logistical challenges. Commodity prices trended upward, and then were pushed far higher by the effects of the war in Ukraine and by sanctions imposed on Russia. This contributed to widespread increases in input costs. Meanwhile, businesses confronted a fragmentation of the trade rule book resulting from uncoordinated policy responses to COVID and to the war, a tense geopolitical environment, heightened strategic rivalry between the United States and China, and rising protectionism. Re-shoring of activity also adds to costs. This would be a time for institutions like the G20 and the World Trade Organization (WTO) to help. But they are largely missing in action. Domestic policies also contributed to inflation. Exceptional monetary and fiscal support was absolutely necessary to prevent more serious and lasting damage from the pandemic, but now strong demand is meeting a supply-constrained world. In the United States and Canada, there are generalized labour shortages. Wage pressures are building up. And firms are passing on higher costs for inputs and labour to consumers. In Canada, buoyant demand for housing, against a limited supply, has pushed prices to levels that appear out of reach of a new generation of prospective buyers. Unfortunately, the policy prescription for correcting the imbalance between demand and supply is not a pleasant one. Both fiscal and monetary policies must be oriented towards dampening domestic demand. Central banks have to raise interest rates in order to discourage borrowing. Governments have to allow inflated tax revenue to reduce real income growth, and they must avoid large discretionary spending to shield consumers from rising prices. Such shielding, while popular, would shift more of the onus of demand adjustment to central banks which would then have to increase interest rates even further. The higher rates would hurt households (especially those with high mortgage debt) and businesses which must make investments in productive capacity. As a large energy and commodity exporter, Canada has the benefit of some offset to higher input costs. It is earning added income. Moreover, it can be part of the solution for partners who seek reliable and responsible supply of energy, grain, critical minerals and other commodities to reduce their dependence on Russia or other sources. It matters what we do with the added export revenue. If it is simply paid out to shareholders, the economic benefit will be modest and perhaps short-lived. If it is reinvested in productive capacity, in technology, and in decarbonization, we can strengthen our long-term prospects. So there is a fair amount that we know. But that does not tell us where the economy will go over the next 24 to 36 months. All will depend on how such factors as the war in Ukraine, the pandemic, geopolitical conflict, capital markets or consumer and business expectations will evolve and interact. While the general prescription of demand restraint is clear, central banks and governments will have to be prepared to adjust policy in response to events as they unfold. In a period of such uncertainty, there is a range of possible futures that are equally plausible. That makes the business of planning more difficult. One has to consider more than one scenario, be ready to capitalize on opportunity, but also be prepared for adverse events. To assist businesses in this exercise, we present two scenarios for the period to 2024, one optimistic, one pessimistic, both plausible and by no means the end points of what is a wider range of possible futures. In the optimistic scenario, global forces and the expectations of consumers and businesses work in such a way as to facilitate the balancing of demand and supply. With some monetary policy tightening to the end of 2022, the U.S. and Canadian economies manage a soft landing and by mid-2024, inflation is back at 2% and output is on a trajectory roughly consistent with potential. In the pessimistic scenario, forces move the other way and hence central banks have to take more aggressive action. The U.S. economy goes through a mild recession in 2023 that Canada narrowly escapes. Both economies still get back on course by the second half of 2024, but the ride is bumpier. These two scenarios are simply illustrative, helping to draw out the interaction of global and domestic factors that will impact Canadian economic performance to the end of 2024. As governments and businesses assess these and other scenarios, and prepare accordingly, there must also be a focus on the longer term and on investment necessary for a competitive, sustainable economy. With this economic outlook, we issue four companion papers—dealing respectively with the trade and investment environment, commodity markets, the labour market, and digital money—that help bridge short-term prospects and conditions for long-term prosperity. We hope our analyses will be helpful for businesses as they plan their operations and investments. Bennett Jones Spring 2022 Economic Outlook Series This Economic Outlook is issued jointly with companion papers authored by colleagues in the Public Policy group reviewing, respectively, geopolitics and geoeconomics, the labour market, commodity markets and the digitalization of money. We offer you this series as a tool for planning the future of your business in Canada's economic landscape.
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Designed for businesses of all sizes, our “Business Lawyer on Retainer” access plan helps you get the advice and counseling your business needs, when you need it, for as little as $10 per day. That’s the price of two cups of (Grande Salted Caramel Mocha Frappuccino) coffee! For a low, flat monthly or annual fee you can have the peace of mind of knowing that you have access to a trusted lawyer when you need one without having to worry about unpredictable billing. Highlights of our Business Lawyer on Retainer access plan include: Unlimited emails on two (2) unique issues per month. Up to two (2) scheduled phone calls per month with an attorney (30 minutes each). Review of contracts prepared by others with a conversation to discuss important points (up to 5 pages — each additional page is $39). Complimentary registered agent services. One (1) annual review of your company’s critical business operations to identify any potential areas of concern or improvement. 20% discount on fees for all other services performed by the Firm. All businesses have legal needs. Some more than others. Successful businesses address these needs before they turn into expensive problems. Wouldn’t it be great if you had a trusted lawyer you could turn to for legal advice and to help you through legal uncertainties in your moment of need? And wouldn’t it be even better if you could get the timely advice you need without being “on the clock”? After all, it’s hard to pick up the phone to get timely advice when you are not really sure what that advice is going to cost you. The plan is available for individuals as well. Question (asked by a fellow attorney “Rob”): Hi Andy. I have a client with a small dispute with a contractor. The contractor recorded a lien but it is improper because it was definitely recorded more than 90 days after work was completed, and the pricing on the lien is heavily inflated (could be fraudulent). Best path is to just file a Notice of Contest of Lien, right? Then put the ball in the contractor’s court? Thanks in advance for any thoughts you can share. Answer: Rob, your client has 4 choices. Three of them require your client to either spend money and/or be prepared to litigate. First choice: Do nothing and see if the contractor files a suit within the one year time frame. If contractor fails to file suit timely then lien goes away automatically. This costs your client nothing but keeps a lien on their property for at least a year and potentially longer if suit is filed. Contractor would have to serve your client with a Contractor’s Final Affidavit at least 5 days before filing suit. Second: Record the Notice of Contest of Lien. Contractor would then have 60 days to get that suit filed. This of course invites a lawsuit so they’d need to be ready to pay for and engage in litigation. If the suit is not filed within the 60 days then the lien is extinguished automatically. Contractor would have to serve your client with a Contractor’s Final Affidavit at least 5 days before filing suit. Third: Your client can file a lawsuit under Fla. Stat. §713.21(4). This lawsuit requires the contractor to show cause why the lien should not either be enforced or vacated and cancelled of record. Basically the contractor would have to countersue your client to enforce the lien within 20 days of service of this lawsuit on them. Their failure to do so eliminates their lien. Contractor would have to serve your client with a Contractor’s Final Affidavit at least 5 days before filing suit. This is the most aggressive position to take and requires your client to also fund litigation. But it also requires the contractor to hire an attorney and pay for litigation as well. Fourth: Post a lien transfer bond with the court to transfer the lien from the property to the bond. This gets the lien off the property but requires your client to come out of pocket with potentially a lot more money than they’ll want to. But if there is no compelling reason to remove the lien from the property then this is not a great idea. A lot of contractors file a lien and intend to do nothing about it, especially if they don’t seem to know exactly what they are doing (and especially if it looks like the lien was not professionally prepared). In those instances the 3rd method is the most effective way to get the lien off the property most quickly. Do you have a question you want to see answered in one of our emails? Send me an email to email@example.com. We get so many calls from people who are struggling to get their home improvement project finished. * The project is taking way too long. * The job is costing way more than they thought it would. * The work is sloppy and looks terrible. * There’s a lien on their house from a company they’ve never even heard of. Basically, they have a home improvement project that sucks. Don’t let this happen to you. If you are thinking of starting a home improvement project, here are three tips on how you can have a home improvement project that does not suck: 1. Hire a contractor that doesn’t suck. Here are the obvious things to look for: * license, insurance * lawsuits in the public records of your county and the counties on either side of yours * licensing complaints (use this link to check): https://www.myfloridalicense.com/wl11.asp And here’s what else you should know: * Don’t always hire the cheapest person. If you get a really low price, that may be a sign that your contractor is missing something important, is desperate for work or inexperienced. * Know what you want BEFORE you call a contractor. An educated consumer is the best consumer. * If your contractor shows up late, is bad at listening or returning calls when he’s trying to sell you your job, then he will be even worse once you sign and pay him money. 2. Sign a contract that doesn’t suck. * Make sure your contract contains everything the contractor promised. If it’s not in the contract, don’t expect that you will get it. * If the contract contains something you don’t understand, call a lawyer! * Make sure the contract has a clear and fair payment schedule. Try to hold as much of the money as you can until the project is finished and passes inspections. * Require permits, even if it costs you extra. 3. Manage your project so it doesn’t suck. * Pay attention to the work so that you are not paying for work that has not been done. * Review every piece of mail you get that looks like an official notice of some kind. * Obtain a lien release every time a payment is made. * Get a contractor’s final payment affidavit before you make the last payment. * Obtain a list of subcontractors and suppliers. This is just some of the advice our experienced construction lawyers give our clients. Even better, our construction lawyers are available to help you have a construction project that doesn’t suck. Call us today at (561) 361-8700 to find out how. We have a client that is a professional engineer. We will call him Edgar. Edgar does great work. High quality. Reasonably priced. And Edgar is a sweetheart of a guy to deal with. About 4 years ago, Edgar was sued along with about a dozen other contractors and subcontractors for some alleged construction defects on a big project. At that time, Edgar did not have a lawyer in his corner that he could discuss this lawsuit with. And that is unfortunate. Because even though Edgar had insurance that could have paid for a lawyer to defend him and could have paid in the event Edgar is responsible for any of the defects, Edgar did not tell his insurance company about this lawsuit. Edgar did not know that his insurance policy required prompt notice of claims. Instead, Edgar wrote to the lawyer representing the property owner and explained in detail why Edgar was not responsible for the problems the owner was experiencing. Having heard nothing further, Edgar assumed the case was closed. Edgar did not know that it was a bad idea to have communications directly with the lawyer who represents somebody who is suing you. The case was not closed. And when Edgar and I met about two years later, he casually mentioned these court documents he kept receiving “even though I am out of the case”. So I looked into the case, and sure enough the case was still going strong. And Edgar was very much still “in the case”, even though no lawyer had been hired to look out for his interests during the first two years of litigation. Edgar did not know that a lawsuit needs a timely response with the court to avoid potentially being defaulted. Edgar hired us to defend him in the lawsuit and also to obtain coverage for the claim from his insurance company. But by then it was too late. Edgar did not know that by failing to promptly notify his carrier, he would lose all of the coverage for which he had been paying premiums for years. Had Edgar had our business lawyer on retainer plan when he was sued, Edgar could have simply called us or emailed us the lawsuit and we would have helped him give the proper, timely notice to his insurance company. In fact, under our Business Lawyer on Retainer Plans, we offer to serve as your company’s Registered Agent so that we receive notice of all lawsuit and legal claims before you do. Edgar did not know about our Business Lawyer on Retainer plans. Edgar did not know that this one simple mistake would end up costing him tens of thousands of dollars in attorneys’ fees and potential exposure to liability for the defects. Luckily for you, you receive these emails and you know that for as little as $10 PER DAY, you could have a trusted business and legal advisor in your corner to handle these issues for you when they come up. Call our office at (561) 361-8700 to sign up for our Business Lawyer on Retainer Access Plan today. Mitch Digs a Deep Hole We have a client we’ll call “Mitch”. Mitch lives in Pennsylvania but owns property in Palm Beach County. Mitch had some work done to his Florida condo. Did Mitch hire a lawyer to look at his contract before he signed it? No. As with lots of improvement projects, this one did not go quite as Mitch had planned. Did Mitch hire a lawyer to find out how to properly put the contractor on notice of the problems? No. The contractor finished the job but Mitch felt the job had mistakes. Mitch didn’t pay the contractor the last $8,000 under his contract. Did Mitch hire a lawyer to see if he had the right to withhold this payment? No. The contractor stopped communicating with Mitch, filed a lien and sued Mitch to foreclose on the lien. Did Mitch hire a lawyer to represent him in this lawsuit? No. Mitch then negotiated a settlement with his contractor’s attorney where Mitch was now going to pay $13,000 (because now he was also paying for the contractor’s attorneys’ fees) and he still was not getting the work fixed. Then Mitch signed a settlement agreement that did not include enough detail about the documents Mitch should have received in exchange for this payment. Did Mitch hire a lawyer to negotiate this settlement or to make sure that it was written so that he received the proper documentation he would otherwise have been entitled to? No. Mitch then withheld payment of the agreed-upon $13,000 because he later realized he was not getting the right documents (even though Mitch didn’t properly negotiate for the right documents). Did Mitch consult with a lawyer before he withheld this payment? No. Mitch was then in default of his settlement agreement and that entitled the contractor to obtain a final judgment against him and for the contractor’s attorney to claim more attorneys’ fees. The lawyer filed a motion for final judgment and now wanted a judgment for $15,000 and a final judgment of lien foreclosure. Mitch was going to lose his condo. Did Mitch call a lawyer when he now realized he was digging himself a deeper and deeper hole? You are damn right he did. He called me. Because Mitch had reached a written settlement agreement with the lawyer, we were unable to go back and undo it. By signing a written settlement agreement, Mitch obligated himself to pay more money than was necessary and lost his right to challenge the quality of the contractor’s work. However, I was able to get the lawyer to accept only an additional $400 instead of an additional $2,000 in fees for Mitch’s breach of the Settlement Agreement. We also got Mitch the documents he was entitled to. There were at least 6 opportunities for Mitch to have hired a lawyer that would have saved him money. Had Mitch hired a lawyer at the first (or even second) opportunity, his condo would not still need more work. Teaming up with a knowledgeable lawyer BEFORE problems arise saves money and relieves stress. If you are considering a home improvement project, call us at (561) 361-8700 so one of our construction attorneys can properly protect you. It’s a simple question, really. I’m sure you can tell me who your doctor is. You could even tell me who cuts your hair. But you can’t tell me who your lawyer is because you don’t have one. Do you? Now more than ever, having a trusted advisor is so critical. A lawyer shouldn’t just be someone you turn to AFTER a problem arises. As a lawyer, the most value I can provide you is to be there to guide you away from trouble before it hits you. If you do not have a lawyer you can turn to for timely, valuable advice when you really need it, it is for one of three reasons: You don’t understand why you need a lawyer. Here’s why you need a lawyer…. A lawyer guides you through all of life’s uncertainty and in your moments of greatest need. A lawyer empowers you to take control when you are worried about planning for your future or your children’s future. A lawyer eases your anxiety when you are concerned about this economy and your finances. A lawyer is a trusted advisor you can call when you know that making the “wrong” decision will be expensive. A lawyer has your back and helps you anticipate problems before they arise. A lawyer is your quarterback when solving problems. You don’t know any lawyers you can trust. Every successful person gets guidance from people they trust. I bring my perspective as a father, son, and business owner to all of my clients’ legal problems so I can give honest, straightforward, and valuable advice. But don’t just take my word for it. Read these reviews written by actual clients: You think you cannot afford a lawyer. With our Lawyer on Retainer plans, having a lawyer you can consult with on all of life’s problems is available to everyone and to every business for a fixed, low monthly fee. Call us at (561) 361-8700 to learn about which one of our plans is best for you. So, the next time you find yourself needing to make an important decision, you can say “First, I need to speak with MY lawyer!” When we are not helping clients with their business issues and insurance claims, the rest of our work involves construction issues and disputes. Lately we have been contacted by numerous homeowners who have paid their contractors for home improvements only to learn that the contractor did not pay for materials. These clients now have liens on their property and the material suppliers are looking to the property owners to get paid. Unfortunately, if these clients did not pay their contractor the “right” way, they’ll have to pay twice. Home owners just do not know that there is a right way and a wrong way to pay contractors. The “right” way protects the homeowner. The “wrong” way exposes the home owner to potentially paying twice. How do you make payments the right way? Know who is working on your job. Keep an eye out in the mail for something called a Notice to Owner (NTO). Subcontractors and material suppliers will be sending you a NTO to alert you they are working on your job. You also have the right to ask your contractor for a list of subcontractors and suppliers. Make this request in writing and via certified or registered mail. Obtain Lien Releases every time you make a payment. Every time you make a payment to the contractor, make sure the contractor gives you a lien release. Also have the contractor obtain lien releases from every company or person who sent you a NTO. Make joint payments if necessary. If the contractor tells you he cannot pay his subcontractors or suppliers without receiving your money, then arrange to make your payment jointly to both the contractor and the sub or supplier to obtain the releases. Most importantly, before making a final payment, obtain a contractor’s affidavit. Before making your final payment, tell your contractor you want a “Contractor’s Final Payment Affidavit”. Although you are entitled to it, a contractor will generally not give you one unless you ask for it. In the affidavit, the contractor has to tell you what subs or suppliers remain unpaid and by how much. That way, you can direct your payments properly and make sure you receive final lien releases from everyone involved. Florida’s lien laws are very technical and the slightest mistake can cost homeowners big money. If you are going through a home improvement project, you should call us to make sure you are making payments the right way. The past few weeks has seen a flurry of PPP news. We wanted to make sure you didn’t miss out on some of the more important developments: PPP Loan Application Deadline Extended June 20, 2020 was the original deadline for your PPP application. With $130 Billion still left in the program, the government extended the PPP loan application deadline to August 8, 2020. If you have not applied for the PPP loan, you still have time. We can introduce you to a lender if you need one. If you have already received a PPP loan, you cannot receive a second PPP loan. Some PPP loans Extended to Five Year Payback Period Instead of Two If your PPP loan received an SBA loan number on or after June 5, 2020, the loan has a five-year maturity. If your PPP loan received an SBA loan number before June 5, 2020, the loan has a two-year maturity, unless the borrower and lender mutually agree to extend the term of the loan to five years. Your promissory note for your PPP loan will state the term of the loan. The SBA is Not Yet Accepting Loan Forgiveness Applications Some borrowers have already spent their PPP loan funds and are interested in applying for forgiveness. Contact your lender. Some Lenders are accepting Loan Forgiveness Applications. But lenders cannot yet submit them to the SBA. Getting your forgiveness application in early may get your loan forgiven more quickly later. However, you should wait to submit that loan forgiveness application until the process is a bit more developed. Until the SBA is ready to accept the forgiveness applications, the applications themselves, and the rules, are subject to change. You may just end up having to redo your loan forgiveness application or you may miss out on some important changes. If you have any questions on any of the PPP developments, call us at (561) 361-8700. In the last ten days, the SBA revised the PPP loan forgiveness applications and updated the instructions. There is now a Form “3508EZ” available for some borrowers which greatly simplifies the loan forgiveness process: * PPP Forgiveness Application Form 3508EZ <PPP EZ application> * PPP Loan Forgiveness Application Instructions <PPP EZ application instructions> How do you know if you can use this “EZ” form? If any of these three statements apply, then the EZ form is for you: 1. The Borrower is a self-employed individual, independent contractor, or sole proprietor who had no employees at the time of the PPP loan application and did not include any employee salaries in the computation of average monthly payroll in the Borrower Application Form. 2. The Borrower did not reduce annual salary or hourly wages of any employee by more than 25 percent during the Covered Period or the Alternative Payroll Covered Period compared to the period between January 1, 2020 and March 31, 2020; AND The Borrower did not reduce the number of employees or the average paid hours of employees between January 1, 2020 and the end of the Covered Period. 3. The Borrower did not reduce annual salary or hourly wages of any employee by more than 25 percent during the Covered Period or the Alternative Payroll Covered Period compared to the period between January 1, 2020 and March 31, 2020; AND The Borrower was unable to operate during the Covered Period at the same level of business activity as before February 15, 2020, due to compliance with requirements established or guidance issued between March 1, 2020 and December 31, 2020 by the Secretary of Health and Human Services, the Director of the Centers for Disease Control and Prevention, or the Occupational Safety and Health Administration, related to the maintenance of standards of sanitation, social distancing, or any other work or customer safety requirement related to COVID-19. Here is what is clear: You can use the EZ form if you are self-employed, an independent contractor or sole proprietor with no employees. What’s not so clear? The third statement. Never before was the concept of not “operating at the same level of business activity” included in the forgiveness process. Unfortunately there is no guidance yet as to how “business activity” will be measured or evaluated. Do you have questions about the PPP loan forgiveness process? Or are you still in need of a PPP loan? Then call us today at (561) 361-8700 and schedule a complimentary consultation with one of our attorneys. Darryl lost his job recently when his employer cut its workforce in half. And he couldn’t be happier. He’s ready to scratch his entrepreneurial itch and realizes that there is no such thing as a “secure” job anymore. This was the push he needed to finally do it. Darryl is ready to start his own business. Darryl knows that there are many different issues to consider when choosing the best business entity. His biggest concern is protecting himself from liability. A Limited Liability Company (LLC) protects owners by limiting personal liability. Debts and obligations of the LLC belong solely to the LLC. Darryl’s personal assets are protected from any of the LLC’s debts and liabilities. In many ways, the LLC provides the same liability protection found in corporations. However, a LLC also provides these advantages: 1. Fewer formalities than with a corporation (for example, an LLC is not required to have annual meetings or keep written minutes of its proceedings). 2. Pass-through taxation (the LLC is not required to file its own tax return). 3. Fewer restrictions on ownership. Bottom line: a Limited Liability Company (LLC) provides substantial flexibility. It combines the liability protection of a corporation with the tax treatment of a sole proprietorship or partnership. For these reasons, Darryl decided a LLC is right for him. At Wyman Legal Solutions, we love helping people like Darryl realize their dreams of business ownership. We help clients choose the proper corporate structure and help them make sure it is set up properly. Call us today to help you set up your Florida LLC! (561) 361-8700 On June 5th, the Paycheck Protection Program Flexibility Act (PPPFA) was passed. The PPPFA addresses some of the problems with the practical application of the PPP loan program. The biggest concern we hear from business owners is that they’re receiving the money before their businesses reopened in earnest. This meant using the PPP funds to pay workers to basically stay home. Here is how the PPP loan program was changed to address this concern: First, the PPPFA extends the time period to spend the PPP funds from 8 weeks to 24 weeks. This gives most businesses until almost the end of 2020 to use the funds on forgivable expenses. Since most businesses received loans equal to 2.5 months of payroll, this additional time should result in most loans being completely forgiven. Also, this let’s those businesses who remained closed longer use the funds to pay employees after they’ve returned to work.. Second, the PPPFA lowered the amount businesses are required to spend on payroll to earn full loan forgiveness from 75% to 60% . Businesses who were closed longer than others could benefit from using more funds for rent and non-payroll expenses. Finally, businesses now have until the end of 2020 to rehire workers to meet “rehiring” requirements. Originally businesses needed to demonstrate they were back to full employment by June 30, 2020. The extra 6 months again benefits businesses that need longer to ramp up their operations. There were some additional changes, such as extending the payoff of unforgiven loan funds from 2 years to 5 years. Also, the first payment under the loan program is now due 6 months after the SBA makes a determination on your forgiveness application. If you have any additional questions about your unique circumstances and PPP loan program, please call us at (561) 361-8700. Are you ready for the “Footshake” or the “Elbow Bump”? According to a recent USA Today article, the future of the handshake <https://WymanLegalSolutions.us18.list-manage.com/track/click?u=b473ae4fa843fc144f2b4b0be&id=accf74fff4&e=4beffc6fe7> is in serious doubt because of Coronavirus. So, is Coronavirus the reason that you should consider making handshakes a thing of the past? NO! I truly believe we will be shaking hands again one day. However, one thing you should NEVER do with a handshake again is use it as a substitute for a written contract! Doing a deal on a handshake is absolutely something that deserves to be dead and buried forever. I cannot tell you how many times I have had a potential new client call me about one of these “handshake” agreements:. “I loaned money to my brother-in-law without getting him to sign a promissory note and he hasn’t paid me back.” “We hired a contractor to do work on my house without a written contract and now he’s charging me twice as much as what we agreed to.” “I invested money into my friend’s business without a written contract and I have never seen a return on my investment. And now she won’t return my calls.” Are oral contracts enforceable? Technically, yes (most of them anyway….). However, when contracts are not put into writing and signed by the other person/company, then proving the terms of the “agreement” in court becomes very difficult. It is also much more expensive in terms of attorneys’ fees to prove an oral contract. Just have an attorney put the agreement into writing in the first place! It’ll save you money! Not only do you want your contracts to be in writing, but make sure that they contain important provisions, including: The bottom line is that the best time to consult with an attorney is before you enter into a contract. Clients of Wyman Legal Solutions know they should always consult with us before lending any money or signing any contract. And for those clients who are in our Business Lawyer on Retainer program, all of those consultations are included in their low monthly fee. Getting a consultation with us is easy. Simply call (561) 361-8700 and ask for our Director of Client Relations, Jen. Jen will obtain some information from you and will schedule you for a complimentary call with me. We’ve said this before about PPP loan forgiveness, and we’ll say it again: Getting your PPP loan was the EASY part. Getting your PPP loan FORGIVEN is going to be HARDER. SBA Releases PPP Loan Forgiveness Application Form Hot off the presses, the SBA released the PPP Loan Forgiveness Application Form. SBA Form 3508 is the 11 PAGE APPLICATION (including instructions) you must complete and submit to your lender for forgiveness of your PPP loan. You can find the application here: PPP Loan Forgiveness Application. One thing is clear though. This application has changed the forgiveness rules. Again. For example, we’ve been told from the beginning that the “Covered Period” for calculating your forgivable payroll and expenses is the 8 week period following your receipt of your PPP funds. But, there is now an “Alternate Payroll Covered Period”. You can opt to use the Alternative period for some, but not all, of your forgivable expenses. What should you submit to your lender when you apply for forgiveness? At the very least, you will need to submit the following documents: - The PPP Loan Forgiveness Calculation Form with certifications. - PPP Schedule A (showing all payroll and non-payroll compensation and Full Time Equivalency (FTE) reduction calculations). - Documentation verifying eligible expenses. - Documentation showing your average number of FTE over multiple periods of time. To complete Schedule A, the SBA provides you with a worksheet to complete. You do not send the worksheet to your lender. But you must keep it as part of your records for six years. Our team is combing through the application to be ready to assist you with your loan forgiveness application. This application is not for the faint of heart. Get the help your business needs and make sure your PPP loan is forgiven. Call us at (561) 361-8700 to schedule a complimentary consultation. Earlier this week the SBA made a change to the PPP loan forgiveness rules. You may be asking yourself: How is that news? They’ve been changing the rules almost every day! Well, this rule HELPS small businesses get loans forgiven if their employees do not want to come back to work. The original PPP loan forgiveness rules penalized employers who have a reduction in work force or do not hire back employees they recently laid off. If a small business reduced its number of employees then its loan forgiveness could also be reduced. The question we heard a lot from business owners was: Well, what if my employee does not want to come back to work? With the federal unemployment assistance enhancing state unemployment, some employees are making more money from unemployment than they did while employed! The SBA recently provided this guidance to borrowers: Question: Will a borrower’s PPP loan forgiveness amount be reduced if the borrower laid off an employee, offered to rehire the same employee, but the employee declined the Answer: No! The SBA and Treasury intend to issue an interim final rule excluding laid-off employees whom the borrower offered to rehire (for the same salary/wages and same number of hours) from the CARES Act’s loan forgiveness reduction calculation. The interim final rule will specify that to qualify for this exception: 1. The employer must make a good faith, written offer of rehire, and 2. The employee’s rejection of that offer must be documented by the employer. Employees and employers should be aware that employees who reject offers of re-employment may forfeit eligibility for continued unemployment compensation. Do you have other questions about PPP loan forgiveness? Call us at (561) 361-8700 today! This past week saw a lot of PPP loan applications approved by the SBA. This means that small businesses will be receiving their PPP loan money in the next ten days. So, what do you need to know and do for this loan to be forgiven? Updated guidance is coming out daily, but here is what you should be doing based upon the information that is presently available: Updated guidance is coming out daily, but here is what you should be doing based upon the information that is presently available: KNOW THIS: When evaluating loan forgiveness, your lender will look at the eight (8) week period starting with the day you get your money. DO THIS: Keep track of your spending during this time. You may want to deposit your PPP money into a separate account to make record keeping easier. Only spend your PPP loan money on forgivable expenses. This includes only payroll costs (including salary, wages, health insurance premiums, retirement benefits), rent payments, interest on mortgages and certain debt, and utility payments. KNOW THIS: Loan forgiveness may be reduced if you do not spend at least 75% of it on payroll costs. You will have to prove that non-payroll expenses did not exceed 25% of PPP paid expenses. DO THIS: Keep all documentation that supports or proves how you spent your PPP loan money, such as Bank Statements, Payroll Reports, Lease, Loan Payment Documents, Utility Bills and EIDL documentation (if you received a EIDL “advance” as well). Each lender may have its own additional documentation requirements, so check with your lender. KNOW THIS: Loan forgiveness may be reduced if you do not maintain the same number of employees and overall payroll that you had on February 15, 2020. DO THIS: If you let anyone go after February 15, 2020, you have until June 30, 2020 to rehire employees (or hire new employees) to restore both the number of employees and overall payroll to your February 15th level. Your failure to do so will reduce your loan forgiveness amount. But you may not want to rehire someone just for the sake of getting this loan forgiven. Make sure rehiring employees furthers your business plan. Also, the SBA has not given very clear guidance yet on this, so be sure to stay on top of any further issued guidance. KNOW THIS: You will have ninety (90) days from the end of your 8 weeks to submit a loan forgiveness application to your lender, and your lender will have sixty (60) days to evaluate your forgiveness application. DO THIS: Expect that you may not know whether and to what amount your loan will actually be forgiven for about six months. The terms of your PPP loan dictate that the money you are borrowing (to the extent not forgiven) must be repaid within two years (at 1% interest per year) and do not require you to make any payments for the first six months. KNOW THIS: The more disorganized your record keeping is, the more unlikely it will be that your loan will be forgiven. DO THIS: Contact us to get help with planning and organizing BEFORE you get your money. We can help. By the time you are reading this, it is likely the government has announced a new round of PPP loan program funding. If not, then that is happening imminently. If your small business was shut out of the first round of funding, then you now have a 2nd chance. Here are some immediate DO’s and DON’Ts: DON’T go back to the big bank you applied to the first time and resubmit an application: If that big-box bank has your loan application, leave it alone. Submitting another application to the same bank will cause massive confusion. DO send an application through a smaller, local bank, credit union or non-bank SBA lender. There is no penalty for submitting more than one application. Whoever “rings the bell” for you first with the SBA will be your lender. Click this link to learn how we can help you find a lender: Find a Lender https://go.wymanlegalsolutions.com DON’T wait any longer to fill out your PPP loan application and to get the documents you need from your accountant and/or payroll provider. DO track down the following documents and save them to a folder on your desktop to be ready to submit your PPP loan application when the process reopens: * Payroll Register for calendar year 2019 * Payroll Registers for each pay period during January & February 2020 * Form 940 for calendar year 2019 * Form 941 for January – March 2020 * A list of the names of employees who were on payroll as of February 15, 2020, identifying who * resides in the US and who does not. * Copy of Driver’s License for each person who owns 20% or more of the company that’s applying for the Payroll Protection Loan. * Copy of your company’s Articles of Incorporation DON’T feel like you have to do this yourself. DON’T guess at how to fill out the loan application. DON’T miss out on this round of funding. DO click this link and find out how we help you apply for the loan (and loan forgiveness) you need: https://go.wymanlegalsolutions.com. We have been on the phone with a lot of small business owners and independent contractors discussing their Paycheck Protection Program (PPP) loans. Here are a few of the questions we are hearing most often: Question: My bank won’t take an application from me. So where can I apply? Answer: There are essentially 3 options: (1) large bureaucratic banks, (2) community banks and credit unions, and (3) non-bank SBA lenders. It’s a shame that some of the “too-big-to-fail” banks are choosing only to do business with their “better” customers. A lot of business owners are left feeling invisible and unimportant. We have been able to introduce clients to credit union lenders that do not require a pre-existing relationship. And we soon expect to have a direct line to one of the largest national, non-bank SBA lenders in the country. Question: As a business owner, can I include the distributions I give myself in my calculation of “payroll costs” when determining my “average monthly payroll” on my PPP loan application? Answer: No – unless you paid payroll taxes or self-employment taxes on those distributions. However, most small business owners are not set up that way. Question: As an employer, are taxes included in “payroll costs” when calculating my “average monthly payroll” on my PPP loan application? Answer: Per the U.S. Treasury: “[P]ayroll costs are not reduced by taxes imposed on an employee and required to be withheld by the employer, but payroll costs do not include the employer’s share of payroll tax. For example, an employee who earned $4,000 per month in gross wages, from which $500 in federal taxes was withheld, would count as $4,000 in payroll costs. The employee would receive $3,500, and $500 would be paid to the federal government. However, the employer-side federal payroll taxes imposed on the $4,000 in wages are excluded from payroll costs under the statute.” Question: What time period should I use to determine my payroll costs to calculate my maximum loan amount? Answer: If you were in business throughout all of 2019, and your business is not “seasonal”, then you have a choice: Use your payroll data from the previous 12 months (e.g., April 2019 through March, 2020) or from calendar year 2019 (January, 2019 through December, 2019). Although those numbers may be very similar, it could make a difference in the amount you are eligible to borrow if you took on additional employees in late 2019 or early 2020. For seasonal businesses, use your average monthly payroll from February 15, 2019 through June 30, 2019. If you were not in business from February 15, 2019 to June 30, 2019, then payroll costs for January 1, 2020 through February 29, 2020. Information is changing daily. We are staying on top of these developments as best we can so we can bring them to you in a timely and valuable way. Please call us with any questions or assistance with your PPP loan application. The Government’s Paycheck Protection Program (PPP) Loan application period opened April 3, 2020 to a loud THUD. Not even a week later…. …the SBA keeps changing the document requirements and application. …Wells Fargo has officially closed their doors and said they’re not accepting any more applications. …Bank of America said they are only taking applications from businesses who already have business loans with them. The landscape is a mess. Business owners are frantic and in the dark. Changes are happening daily. Anyone who tells you they KNOW what’s going on is lying to you. The process is going to be clunky and painful, especially for those who decided they were going to apply on Day 1 at all costs. For those people, they’ll be the ones experiencing the pain of brand new systems being implemented by overwhelmed people who are trying to process loans without critical SBA guidance. The banks will be cutting their teeth on this first wave of applicants. I recommend that you try to avoid being in the first wave that gets cut-down. You don’t want to be the first soldier up the hill… And REMEMBER – getting the money is the easier part. Getting it FORGIVEN will be where people will regret the choice they made about who to go on this journey with. If you think its crazy out there now, imagine what the landscape will be when the loan FORGIVENESS applications are being submitted. You can only let one lender submit your application. So whoever you deal with for the loan, is who you will deal with when you apply for forgiveness – for better or for worse. And if your loan was processed on incomplete information because of FOMO (fear of missing out), then it will be that much harder to get your loan forgiven under the PPP loan program. The current deadline to apply is June 30th. There’s $350 Billion of guaranteed loan funds. Less than 2% of that has been committed. And Mnuchin already said that when the funds run out, they’ll get more. Whether you go to a big bureaucratic bank, a small community bank or a non-depository SBA lender, you will get your money and you will get your loan forgiven (if you spend it correctly). But by working with a professional — a lawyer used to working with clients under pressure and in times of stress – the process will be more manageable. You don’t need to do this all yourself. At Wyman Legal Solutions, we can help by giving you advice, keeping you calm and by introducing you to a SBA lender that is professional enough to be waiting to take applications until officials finalize the guidance so they can begin processing loans and putting money into the hands of borrowers. Don’t submit your application this week. You won’t miss out. Call us to help you. RELAX. You’ll get your money. With the US Government’s CARES Act hot off the presses, we are identifying massive opportunities for small business owners who do not panic. When (not if) we get past the COVID-19 pandemic, a surge of business will be created in just about every industry. For smart, confident, responsible business owners, the government has just handed you the tools to make sure that at the very moment that the business surge arrives, you will be primed to take advantage. Unfortunately, those tools are mired in an 880-page document that reads like an insurance policy on steroids. Fortunately, we’ve taken the essential small-business components of the CARES Act and compiled a team of professionals that are ready to help navigate your small business through the Legal, Financial and Human Resources hoops that stand in the way of your business getting the assistance it needs – not just to survive, but to thrive! * Are you concerned about cash flow? * Do you want to keep your valuable employees? * Do you care about your clients? * Do you want to be poised to take your competitors’ customers or clients when the smoke clears? If you answered “yes” to any of these questions, then take these 2 simple steps to begin coordinating your company’s pandemic response and growth strategy: - Call (561) 361-8700 to schedule a consultation; - Allow us to personalize a plan that fits your budget and goals, including: * Professional assistance applying for the Payroll Protection Program Loans <https://WymanLegalSolutions.us18.list-manage.com/track/click?u=b473ae4fa843fc144f2b4b0be&id=794cb9d7bb&e=4beffc6fe7> or other programs the government has made available under the CARES Act; * Access to one of our firm’s Business Lawyer on Retainer programs to answer your questions during these uncertain times as they arise without being charged for every phone call and email; * Counseling and Guidance through Human Resource issues; * A strategic evaluation of your company’s business plan, budgets, financial controls, policies and procedures Your actions at this moment…right here…right now… will define your company’s success for the next decade and beyond. Are you ready? CARES Act Paycheck Protection Program Loans highlights for small businesses. Official Senate FAQ’s where this information was obtained available right here: Paycheck Protection Program (PPP) Loans: The program would provide cash-flow assistance through 100 percent federally guaranteed loans to employers who maintain their payroll during this emergency. If employers maintain their payroll, the loans would be forgiven, which would help workers remain employed, as well as help affected small businesses and our economy snap-back quicker after the crisis. PPP has a host of attractive features, such as forgiveness of up to 8 weeks of payroll based on employee retention and salary levels, no SBA fees, and at least six months of deferral with maximum deferrals of up to a year. Small businesses and other eligible entities will be able to apply if they were harmed by COVID-19 between February 15, 2020 and June 30, 2020. This program would be retroactive to February 15, 2020, in order to help bring workers who may have already been laid off back onto payrolls. Loans are available through June 30, 2020. See the Full version of the CARES Act here. Many businesses have seen, or are expecting to see, a loss of income or an increase in expenses due to the slowdown of business activities associated with the spread of COVID-19. Are these losses or expenses covered by your business interruption insurance? Business interruption insurance coverage is a part of most commercial property insurance policies. It covers loss of business income if there is “direct physical loss or damage” to your insured business property. And then, only if the physical damage was caused by a covered peril <https://WymanLegalSolutions.us18.list-manage.com/track/click?u=b473ae4fa843fc144f2b4b0be&id=ae3e7e187f&e=4beffc6fe7> . An interruption in business not caused by physical damage to your property is usually not enough to trigger coverage. Also, many policies specifically exclude losses claimed from viruses and epidemics. However, some policies contain additional coverage not seen in the typical policy. For example, some policies provide coverage if a “civil authority” prohibits access to your business premises as a result of property damage elsewhere. Other policies provide coverage if a critical supplier cannot provide you with the supplies you need to carry out your business, even if your property did not suffer direct damage. Again though, these coverages are generally only triggered if physical damage occurs somewhere. Although losses from viruses and epidemics are usually specifically excluded under policies, insurance has evolved over the years to provide specialized coverage options for almost any imaginable circumstance. As with all business insurance coverage questions, your specific industry, your policy language and the circumstances of the loss will dictate if you can get reimbursed for the interruption of your business. If you believe that your insurance should be responsible for your COVID-19 related business losses, call our office to speak with our experienced business interruption insurance attorneys today. Our Client Eduardo lives in Fort Myers. Eduardo’s roof was damaged in Hurricane Irma. Eduardo’s insurance company agreed that covered damage occurred from the Hurricane but paid him nothing. According to his insurance company, the damage did not exceed his deductible. Eduardo was angry, and he called us. Although Eduardo’s roof damage was not widespread, we brought in a roofing engineer to evaluate his roof. The engineer concluded that the roof damage could not be repaired because the roofing tiles on Eduardo’s roof were no longer manufactured. As a result, any replacement tiles would not match as required by Florida law. We disputed the insurance company’s conclusion with a professionally prepared report. We demanded that the insurance company pay Eduardo to replace his entire roof. And they did. At Wyman Legal Solutions our team has the resources and knows the laws that make recoveries like this possible for our clients. Contact us today so we can help turn your property damage from “sudden and unexpected” into an insurance claim that is COLLECTED! Our Client Margie began noticing loose floor tiles and discolored grout lines in her living room. Margie had a pipe leak under her home’s concrete slab. Margie opened up a claim with her insurance company. The insurance company’s adjuster came out to her house and estimated $4,200 in damage. After her $2,500 deductible, the insurance company paid her $1,700. $1700? That wasn’t even enough to pay the plumbers to temporarily reroute her water line so she could at least have running water in her bathroom! Margie hired us to get her the money she deserved, and we went to work. First, we hired a loss consultant and cost estimator to thoroughly inspect her property to properly value her claim. Her “$1,700” claim was actually worth almost 6 figures!! Then we engaged an appraiser and put the claim through the insurance policy’s appraisal process. At the end of the day, Margie’s claim was valued at over $85,000, which provided her with the money she needed to repair and rebuild her damaged home. At Wyman Legal Solutions we have the resources and professional relationships that make recoveries like this possible for our clients. Contact us today. Let us turn your property damage from “sudden and unexpected”, into an insurance claim that is COLLECTED! We recently worked with a client in Davie named Jason. Jason had a pipe burst under his kitchen sink. The damage required removal of his kitchen cabinets. To do that, his granite countertop needed to be removed first. While removing his granite backsplash, Jason’s contractor cracked it. It was damaged to the point that it could not be repaired. And due to the unique nature of the stone, the piece could not be replaced to match the rest of the pattern. The insurance company refused to pay Jason for his broken granite because it was damaged by Jason’s contractor. Jason’s granite, except for about a four-foot length of cracked backsplash was otherwise fine. Eventually the insurance company stopped returning Jason’s calls. Faced with having a mismatched, cracked or missing granite backsplash in his kitchen, Jason got fed up and called us. We were able to get Jason’s insurance company to pay him over $12,000.00 to replace ALL of the granite in his kitchen (including the granite on a separate kitchen island) with entirely new granite. Plus, the insurance company paid our attorneys’ fees. At Wyman Legal Solutions our team has the resources and knows the laws that make recoveries like this possible for our clients. Contact us today so we can help turn your property damage from “sudden and unexpected” into an insurance claim that’s COLLECTED! After you notify your insurance company about your claim, they will send someone to your property to look at the damage. This person is called a “field adjuster”. The field adjuster is usually a friendly person. His job is to analyze your damage and gather information. The field adjuster then puts this information into a report and submits it to the insurance company. By being friendly and usually sympathetic, it may feel like the field adjuster is “on your side”. He is not. The field adjuster will usually say things that make you think he wants to maximize your claim. He does not. This person has no authority to speak about whether your claim is covered. And he has no authority to tell you whether the insurance company will pay you anything at all. The field adjuster acts as your insurance company’s eyes and ears. He will tell the insurance company things you tell him that might be used later to reduce or deny your claim. They are very much on the side of your insurance company. Insurance companies have professionals on their side looking out for their best interests. Who is looking out for yours? At Wyman Legal Solutions our team has dealt with hundreds of insurance claims and we advocate for you on your insurance claims. If you or a loved one have experienced sudden or unexpected damaged to your home, contact us today. We get this question all the time. A client reports a claim to their insurance company and the company issues a small check that is not enough to pay for the damage. The client then contacts us to help get them more money. Their first questions is, can I cash the small check I’ve already received? The answer is “yes”, unless the insurance company conditioned the check on a release of the claim – which would be a bad faith and improper insurance claim practice. Insurance companies are OBLIGATED to pay you any amounts that are uncontested. And they are required to do so unconditionally. Meaning, they must pay you what they’ve determined you are owed without any strings attached. You then have the right to supplement the claim with more information and evidence of your damages to obtain an additional, higher payment. If your insurance company tries to get you to sign a release, then DO NOT CASH THE CHECK. DO NOT SIGN THE RELEASE. AND CONTACT US IMMEDIATELY. This is a bad faith insurance practice by the insurance company. Our insurance claim attorneys will get you that money without any strings attached. And we will help get you the rest of the money you deserve. Contact us today if you’ve experienced damage to your home or suspect that your insurance company has operated in bad faith. If you have not had a reason to make a property damage insurance claim before, then you probably assume that if you pay your premiums, then your home is covered against anything or everything that could possibly happen. You would assume wrong…. Your insurance policy is a contract. In exchange for your payments (called premiums), your insurance company promises to make payment to you for your damaged property…BUT ONLY IF your damage was created by a “cause of loss” that is covered under the policy. But what is a covered “caused of loss”? A covered “cause of loss,” is a “peril” that your insurance company insures you against. However, different policies cover different perils. There are two basic kinds of property insurance policies: - The “named perils” policy (also known as a “broad form” policy). A “named perils” policy will pay for property damage that results ONLY from the exact list of perils (causes of loss) listed in the policy. The typical named perils policy contains the types of losses that you would expect to be covered (fire, lightning, windstorms, hail, explosions, non-flood water damage and some others). However, even with a “named perils” policy, you’ll see that some insurance companies add or exclude or limit coverage for certain typical named perils. If a type of peril is not specifically named, then it is not covered. - The “all risks” policy (also known as a “special” form policy). An “all risks” policy on the other hand covers your home against “all risks” (i.e., everything) that can damage it EXCEPT for perils that are specifically listed as EXCLUDED by the policy. Typical excluded perils include flood, earth movement and pollution. If a peril is not specifically identified on a list of exclusions, then it is a covered “cause of loss”. All risk policies tend to be more expensive because they cover more risks. If you’ve experienced sudden or unexpected damage to your home, contact us today to evaluate your coverage. Water damage claims are among the most frequent claims made under homeowners insurance policies – especially in Florida. But the coverage provided for water claims can be confusing. When might your claim for water damage be covered or denied? Insurance is intended to cover “sudden and accidental” damage – think storm damage or a pipe burst. Homeowners insurance will generally not cover “seepage” or damage that occurs gradually over a long period of time – think a slow water drip from the pipes inside your walls. If the reason for your damage is not sudden and accidental, then your water damage claim may be denied. Insurance companies are often rewriting their policy coverage terms, sometimes yearly, to narrow the types of water damage losses they cover. So what can you do about it? First, do business with an independent insurance agent who represents more than one company. Independent agents can help you find more coverage options and the best insurance for your needs. We can introduce you to a trusted independent agent. You can also try to find one on your own by looking here: PIA for Florida or The Big I. Second, be proactive by inspecting your home for signs of water damage and by maintaining your home regularly. Also, pay attention to any mail or emails you receive from your insurance company at your annual renewal for changes to your insurance coverage. Finally, when a claim arises, make sure you consult with an attorney who is experienced in handling water damage claims for homeowners. At Wyman Legal Solutions we help people who have suffered sudden and unexpected property damage and put them back into their homes and businesses. We are passionate about helping our clients level the playing field with their insurance companies so they can get the money they deserve out of their insurance claims. Contact us today for help. At Wyman Legal Solutions, we help people who have suffered sudden and unexpected property damage and put them back into their homes and businesses. We are passionate about helping our clients level the playing field with their insurance companies so they can get the money they deserve out of their homeowners insurance and business insurance claims. We believe that not insuring your home, business of other property is a major mistake. Yet, we have been contacted by countless numbers of people who either did not get insurance or did not get the RIGHT insurance. What does homeowners insurance cover? A typical homeowners insurance policy includes the following coverages: - “Dwelling” coverage: This is the coverage that protects your home’s structure and everything built into it from physical damage. - “Other Structures” coverage: This coverage insures detached structures on your property such as a detached garage, an in-ground swimming pool or a fence. - “Personal Property” coverage: This coverage covers your personal belongings like furniture, clothing and electronics. - “Loss of Use” coverage: Also sometimes called “Additional Living Expense” or “ALE” coverage, this coverage compensates you for expenses you incur if your residence becomes uninhabitable due to damage from a covered cause of loss. If the dwelling is a rental property, this coverage can compensate you for lost rental income during the period when the home is uninhabitable. - “Personal Liability” coverage: This coverage protects you from claims made by other people who might get injured on your property (and can also cover you for injuries you cause outside of your home); - “Medical Payments” coverage: This coverage will pay for medical expenses of people injured on your property. Do you have questions about your homeowners insurance policy, or whether your home, business, or property is protected? If so, please contact us right away and we’ll be pleased to help you. Everyone is familiar with the concept of “trial by jury.” In fact, the Seventh Amendment of the United States Constitution codifies the right to a jury trial in certain civil cases. As a business owner, you have the ability to include a “Jury Trial Waiver” in the standard terms of your customer contract. In a jury trial waiver clause, the parties agree that if there is any litigation arising out of or relating to their agreement, each party waives its right to have a trial by jury. As a business owner, why should you want a jury trial waiver clause in your contract? Because in a potential dispute, a judge would resolve all questions of law and fact. This is known as a “bench trial” instead of a “jury trial.” This could work to your advantage because: • a jury of laypeople may not understand the complex issues that can be involved in litigation • a bench trial is likely to produce a more predictable outcome than a jury trial • a jury can be biased against the “bigger guy” and biased in favor of the “little guy” • a jury trial takes longer and costs more than a bench trial because they require additional work At Wyman Legal Solutions, we know there’s a right way and a wrong way to draft contracts for small business clients. Let us help protect your legal rights and cash flow. We can review your business contracts for a jury trial waiver or for any other important terms, provisions or clauses. Just reach out to us today and we’ll get started! Many people know a verbal agreement and handshake aren’t the same as having a well-written business contract. Having a written contract that clearly states and integrates all previous negotiations, representations, warranties and agreements will ensure that the deal is crystal clear. One of the benefits of a properly drafted contract containing a merger or integration clause is that it eliminates the ability of one party to later claim that they were orally promised something that never made its way into the final contract, and that they were duped into signing the contract based upon this alleged oral statement. Florida law prohibits the introduction of prior outside agreements, negotiations or representations to contradict or change the written terms of an agreement or to invalidate it altogether when a contract is properly and completely integrated. Without a proper integration clause, a party to a contract can use prior representations, negotiations or agreements to help interpret ambiguous contract terms, modify the actual written terms, or to argue that they were fraudulently induced into signing the contract in the first place. Having a merger or integration clause is especially important when you’re a small business owner who employs salespeople. Why? If you don’t have this clause, you could spend thousands of dollars arguing in court whether your salespeople’s oral representations modified your written contract. At Wyman Legal Solutions, we know how to draft contracts that include merger or integration clauses for small business clients that will best protect your legal rights and cash flow. If you want a Florida business lawyer to review your business contracts for a complete integration clause or for any other important terms, provisions or clauses, reach out to us today. As business lawyers, we get a lot of questions about contract law and how to better protect your business from legal risks. I’ll be sharing some of the most frequent and important topics with you over the next month. For example, many people think that the winner of a lawsuit in Florida automatically has their attorneys’ fees covered by the loser of the case, but this isn’t always true. It actually comes down to what’s in your contract. Florida law is clear that each party to a lawsuit must bear their own attorneys’ fees and costs UNLESS a contract or a statute specifically authorizes the “prevailing” party to recover their fees from the “non-prevailing” party. Basically, the courts decide who is the prevailing party, and can even decide that nobody “prevailed” in a particular case, and no fees are awarded at all. Businesses that utilize contracts are often at an advantage over a consumer when it comes to the terms of their business relationships. Having a clause in a contract that specifies your company’s entitlement to litigation costs and expenses, including attorneys’ fees and court costs, is a smart move for any business. But be careful in drafting that clause – it will be strictly interpreted as it is written. If it isn’t clear exactly what is being included, attorneys’ fees may not be recoverable. Here at Wyman Legal Solutions, we review our business clients’ contracts and make sure they contain the most thorough, expansive, and enforceable attorneys’ fees provisions. We do this so that our clients can protect their rights to recover litigation expenses and attorneys’ fees to the fullest extent of Florida law. Need a Florida business lawyer to review your business contracts? Contact us today! We can check your contracts for attorneys’ fee provisions, or for any other important terms, provisions or clauses, and make sure your business is protected. It’s easy to think that everything you say to your lawyer via text, calls, and emails is private. However, that’s not always the case. Not all communications are secret, even if they are between a client and their attorney. This surprises many clients and causes them to self-sabotage their cases with leaks of information assumed to be confidential. Attorney-client privilege has many benefits, but also limits. These restrictions should, however, not hinder your case. Attorney-client privilege only protects confidential communications between a lawyer and a client made for the purpose of obtaining legal advice or services. Inherent in this idea of confidentiality is that there must be a “reasonable expectation of privacy” to the communication. You may not have a reasonable expectation of privacy when sending an email to your personal attorney on your employer’s email server. If your employer has a policy permitting it access to all emails on its server (which, let’s face it, is every employer), Florida law concludes that a person has no reasonable expectation of privacy regarding what is in those emails. Without a reasonable expectation of privacy, those emails can be obtained by your adversary and your adversary’s attorneys in your case. Still learning the ins and outs of attorney-client privilege and the legalities of privacy? As experienced business and litigation attorneys, we have the knowledge and expertise to protect you and your privacy. All businesses have legal needs. Some more than others. Successful businesses address these needs before they turn into expensive problems. On an almost daily basis, your business can face legal issues or questions concerning employees, vendors, customers, licensing, contracts, and much more. Wouldn’t it be great if you had a trusted lawyer you could turn to for legal advice and to help you through legal uncertainties in your moment of need? And wouldn’t be even better if you could get the timely advice you need without being “on the clock”? After all, it’s hard to pick up the phone to get timely advice when you are not really sure what that advice is going to cost you. Designed for businesses of all sizes, our “Business Lawyer on Retainer” access plan helps you get the advice and counseling your business needs, when you need it, at an affordable price. For a low, flat monthly fee, you can have the peace of mind of knowing that you have access to a trusted lawyer when you need one without having to worry about unpredictable billing. Our plans are designed to remove the most common barriers that we find prevent business owners from seeking legal advice BEFORE a problem arises: access, cost and trust. We want you to come to us with your questions as soon as they arise, so that you can get the help and answers you need before your legal questions turn into legal problems. Once the problems arise, the cost to obtain legal help can be significant, sometimes insurmountable. But when you proactively protect yourself and your business with one of our Business Lawyer on Retainer access plans, you do not need to worry about unpredictable costs and high hourly attorney fee rates to get the timely advice you need. Invest in yourself and your business with our Business Lawyer on Retainer access plan. Don’t let the disruption from an unexpected lawsuit distract you from running your business and achieving your goals. The best way to deal with a problem is to anticipate it before it arrives so that you are ready and able to handle it when it does. But sometimes that is not possible. Sometimes you are too busy running the day-to-day business and “putting out fires”, that planning for the future and protecting yourself from potential problems just didn’t receive the attention or priority that you wish it had. Sometimes a lawsuit will hit you despite your best efforts to avoid it. Anyone can sue anybody for any reason. Not all of those lawsuits will withstand a proper defense, but they all need to be dealt with regardless of how frivolous you think they are. Legal problems crop up when you least expect them, and often at the most inopportune times. Almost all lawsuits can distract you from running your business. Some can outright destroy you. If your business gets sued, you need an experienced business lawyer to defend your business. Contact me today to learn how I can help you Did you know that not all construction work entitles you to lien the Owner’s property? Your lien rights go only as far as the land rights of the person who contracted the work. Knowing who your customer is puts you in the best position to file a Claim of Lien that will withstand a legal challenge. As a construction lien attorney, I have seen too many Claims of Lien that do not properly identify the property to be liened because the contractor doesn’t know whether the person contracting the job is an owner or tenant. I’ve also seen mistakes in liens when the contractor preparing the lien does not understand how to lien work performed for an Association or a condominium unit owner. When the work is being contracted by: - The owner of the property: This is obviously the best situation because your lien rights would attach to the entire property being improved. The Owner would not be able to transfer the title to that property while your valid lien is in place. - A Tenant/Renter: If a tenant is the one making the contract for the improvements, then your potential lien rights are only against the tenant’s interest (i.e., his leasehold). This is not a very valuable lien and does not provide much security. - An Owner of a Condominium Unit: Your lien is against the Owner’s Unit only. However, a condominium unit owner not only owns his unit but also owns an undivided percent share of the common elements as well, with that percent determined by the Declaration of Condominium recorded in the public records. - A Condominium Association: Your lien is against all of the units in the Association, not the Association’s property (common elements). For work done on behalf of a Condominium Association, each unit owner becomes technically responsible for their relative percent of your lien amount based upon the ownership that their unit represents as a percent of the whole Association as determined in the Declaration of Condominium. When a condo unit is being sold, the title company will want a release of the unit from your construction lien. This is often accomplished by unit owners “buying out” their percentage of the debt by paying their relative amount from closing in exchange for a limited release that releases only their unit from your Claim of Lien. Identifying the proper legal description in your Claim of Lien can be tricky, and you are best advised to consult a construction lien attorney to learn how to properly do this. For those who are not familiar with it, Florida’s Construction Lien Law is filled with traps. The lien laws are very technical and any misstep in the preparation or recording of a Claim of Lien can absolutely destroy your lien rights. Consult with a South Florida construction attorney, like me, Andrew Wyman, to obtain the tools and advice you need to make sure you properly and timely preserve your lien rights. Obtaining proper construction licensing is serious business in South Florida. A list of the trades that require licensing can be found at the State of Florida’s Department of Business and Professional Regulation website. Under Florida Statute §489.128 (1)(c), a contractor is considered unlicensed “only if the contractor was unlicensed on the effective date of the original contract for the work, if stated therein, or, if not stated, the date the last party to the contract executed it, if stated therein. If the contract does not establish such a date, the contractor shall be considered unlicensed only if the contractor was unlicensed on the first date upon which the contractor provided labor, services, or materials under the contract.” You do not want to be an unlicensed contractor in the State of Florida. The list of consequences is long and harsh: - Unlicensed contractors and subcontractors may not enforce their contracts. The result is that the unlicensed contractor has no way to enforce their right to payment for work performed - An unlicensed contractor or subcontractor has no construction lien rights. Florida Statute §489.128(1) provides that “As a matter of public policy, contracts entered into on or after October 1, 1990, by an unlicensed contractor shall be unenforceable in law or in equity by the unlicensed contractor.” - It is a crime to engage in unlicensed contracting. The first offense is a misdemeanor. The second offense is a felony. Keep in mind, that even if you have a license to do a specific type of work, if you do work that EXCEEDS what you are legally licensed to do, you are contracting without a license and are subject to the penalties written above. Unlicensed contracting is serious. At Wyman Legal Solutions, we do not condone unlicensed contracting, and as an experienced construction law firm, we do not represent those who knowingly violate these licensing laws. However, if you need help applying for a license or have been wrongfully accused of contracting without a license, contact the construction law attorneys at Wyman Legal Solutions today. Subcontractors and material suppliers know that when it’s time to get paid on a job, they’re going to be asked to sign a lien release in exchange for receiving their payment. So, as their construction litigation lawyer, I always ask them about the lien release they signed. Often I’ll hear, “it’s the standard form,” or, “I signed the one the contractor gave me,” or, “I don’t know, I just wanted my check.” Thinking that all lien releases are the same is the surest way to accidentally sign away your lien rights without getting paid. All too often subcontractors either do not read, or sometimes do not understand, the lien releases they are signing in exchange for progress payments on a project. A common mistake we see as a construction law firm is subcontractors signing a release that contains language releasing lien rights for work performed through the date the lien release is signed. The problem is that very often the payment being made is only for work done during a specific period of time that ended days or weeks before the payment is actually made. By signing that release under those circumstances, the subcontractor has just released his lien rights for the work done between the date he requested payment and the date he signed the release. If there is any delay between your request for payment and the date you are signing the release, you must make sure that what you are signing is consistent with the payment that is actually being made. Do not just rely on the title of the document or the honesty or good intentions of the parties you are dealing with. If the lien release does not accurately reflect the work being released and the payment being received, then you or your construction lawyer need to insist that changes are made so that the release accurately reflects the payments taking place and the work being released. It is always the best practice to indicate exactly the last date of your services being satisfied by that payment or to note any exceptions to your release. Don’t be afraid to make handwritten changes to the lien release you are being asked to sign if it seems like it is too broad. Florida Statutes contain a statutory form of lien release in Florida Statute §713.20. However, the parties to a project are free to negotiate different forms of lien releases when they are negotiating their contracts. So the time to be thinking about the lien release form is BEFORE you sign your contract. Any document you sign releasing any of your lien rights will be strictly interpreted. Don’t sign a lien release that is not accurate. Once a lien release is signed and exchanged for a payment, there is no “un-ringing the bell”. So if you are not 100% sure what you are signing, make sure to seek the advice of a South Florida construction lawyer, like me Andrew Wyman, before you put your signature on any lien release. To learn more about your rights, visit my website today. And if you still have questions, feel free to contact me anytime. Here is an unfortunate, yet all-too-familiar call I receive as a construction attorney. A subcontractor calls me concerned about getting paid on a project where he has already performed his work. Now, the general contractor who hired him is telling him that he has to accept less money than what was agreed to. The subcontractor is furious and wants to record a lien on the property immediately. My first question to the subcontractor is, “did you serve a Notice to Owner?” When the answer to that question is “no,” the subcontractor has just learned a hard lesson: If you do not have a direct contract with the Owner, then you cannot wait until the end of your project to protect your lien rights, even with an experienced construction law firm on your side. The #1 mistake we see subcontractors and material suppliers make is failing to timely serve a Notice to Owner on all proper parties. Failing to timely serve the Notice to Owner is a complete defense to enforcement of your lien rights. By the time you realize that you want or need to protect your lien rights, it can be too late to record the Notice to Owner, and your claim of lien will never be enforceable. The Notice to Owner must be served no later than 45 days from first furnishing labor, services, or materials at the site. If you are a material supplier, then the Notice to Owner must be served 45 days from your first delivery of materials to the site or, for specially fabricated materials, 45 days from the date you begin manufacturing them. The Notice to Owner must be served on the Owner and every person along the line between your customer and the owner. That means that if you have a direct contract with a subcontractor, then you must serve the Notice to Owner on the General Contractor and the Owner. So, what’s the solution? Subcontractors and material suppliers, or their construction lawyer, should serve the Notice to Owner on every project as soon as they begin work (you can even serve the Notice to Owner before you start your work). Specific circumstances can shorten this time frame even further, or require additional notices, so be sure to consult with an experienced Florida construction law attorney. The statutory Notice to Owner form can be found in Florida Statute §713.06. And when serving the Notice to Owner, be certain to use the methods identified in Florida Statute §713.18. Florida’s Construction Lien Law is technical and confusing. Failing to timely serve the Notice to Owner on the proper parties is just one of the many mistakes that can completely destroy a subcontractor’s or material supplier’s lien rights. You do great work. Make sure you know how to protect your right to get paid for it. To properly protect your lien rights, be sure to consult with an experienced South Florida construction lien attorney like me, Andrew Wyman. I understand construction law and am always here to help. “Greed is good.” While that famous line uttered in the movie Wall Streetmight apply to corporate raiders like Gordon Gecko, it does not apply to lienors under Florida’s Construction Lien Law. Emotional, unpaid subcontractors come to my construction law firm wanting to exact revenge on the people who haven’t paid them by trying to include any and every charge they can think of in their Claim of Lien: interest, attorneys’ fees, cost of filing the Claim of Lien, overhead, lost profits, and so on. But that is not permitted under Florida’s Construction Lien Law. You can only record a Claim of Lien for the work you have actually performed or for the materials you have furnished to the project. You cannot include amounts for unperformed work, even if you were wrongfully terminated from the project. You can add unpaid finance charges, but you cannot include any other administrative costs or attorneys’ fees in your Claim of Lien. You also cannot include lost profits or overhead or costs related to the preparation of the lien. Including impermissible charges in your Claim of Lien not only invalidates your lien, but it can subject you to liability for recording a fraudulent Claim of Lien. Florida Statute §713.08 identifies the important and required information that you or your construction lien attorney must also include in your Claim of Lien aside from the value of your work performed and amounts unpaid. Generally, this includes the legal description of the property, the first and last dates that you furnished labor, services or materials to the project, the identity of the owner and the description of the work you performed, the date you served your Notice to Owner and certain statutory warnings. An experienced construction lien lawyer can help guide you through the process of gathering this information. Florida’s construction lien law is very technical, and the slightest mistake can destroy your lien rights. Be sure to consult with a South Florida construction litigation lawyer who understands the lien law and who can provide you with the resources you need to always protect your lien rights. If you have questions about Claim of Liens, contact me today to learn more. As is true for most things in life, “timing is everything”. This is especially true under Florida’s Construction Lien Law. As a construction law firm, a common mistake we see made by subcontractors, material suppliers, and even contractors who have a direct contract with the Owner, is failing to timely file their Claim of Lien. Making that mistake is fatal to your lien rights – end of story. By speaking with a construction attorney, you can avoid this mistake. Some subcontractors think that their Notice to Owner serves as their Claim of Lien. It does not. The Notice to Owner is merely the first step a subcontractor or material supplier takes to preserve their right to record a Claim of Lien. But the Claim of Lien is its own, separate document that must also be completed properly and recorded timely to be enforceable. Under Florida Statute §713.08, the Claim of Lien may be recorded at any time during the progress of the work or thereafter, but not later than 90-days after the final furnishing of the labor or services or materials by the lienor. This does not include punch list work. This timeframe cannot be extended by a written agreement or even with the written consent of the Owner. And take note; that to be effective the Claim of Lien must timely be recorded in the clerk’s office of the county where the property is situated. Service of the Claim of Lien on the Owner does not by itself preserve your lien rights. What happens if the contractor or subcontractor who hired you is terminated from the project? How does that affect your timeframe for filing the Claim of Lien? In that case, the lien must be recorded within 90 days of the contractor being terminated, even if that date is sooner than or earlier than 90 days from your last work. During this situation, it may be wise to consult with a construction dispute lawyer. For those who are not familiar with it, Florida’s Construction Lien Law is filled with traps. The lien laws are very technical and any misstep in the preparation or recording of a Claim of Lien can absolutely destroy your lien rights. Consult with a South Florida construction attorney, like me, Andrew Wyman, to obtain the tools and advice you need to make sure you properly and timely preserve your lien rights. If I’ve seen it once, I’ve seen it 100 times. Subcontractors, material suppliers, and even contractors who have recorded liens, wait too long to file suit to enforce their liens, neglect to contact a construction dispute lawyer, and lose their lien rights forever. They will record their Claim of Lien, and then sit back and do nothing, hoping that the Claim of Lien by itself will force the Owner to eventually make a payment. That is a strategy that is destined to fail. As an experienced construction law firm, once we record a Claim of Lien for a subcontractor or material supplier client, we advise our client not to wait too long before trying to enforce their lien by the filing of a lawsuit. However, subcontractors will often delay or hold off in filing a lawsuit to enforce their lien because they are in discussions with the contractor or the owner about getting paid and because there are legal fees involved in filing that lawsuit that the client is usually looking to avoid. But you need to understand that no amount of negotiations can revive your lost lien rights if you wait too long to file that construction lawsuit. Florida law requires that a commercial construction lawsuit to foreclose a claim of lien must be filed within one year from the date it is recorded. If you or your construction lien lawyer do not file suit to enforce that lien within that one-year period of time, your lien automatically expires and is no longer a lien on the property. At that point, it becomes unenforceable. Owners, especially savvy Owners, will try to take advantage of an unrepresented lienor and drag out payment discussions until this one-year period expires. We have also seen subcontractors enter into agreements where they agree to hold off on enforcing their Claim of Lien in exchange for a written agreement by the Owner consenting to extend the one-year deadline; however, there is absolutely no authority whatsoever that those agreements are enforceable. Likewise, re-recording a Claim of Lien does not extend your time to file suit to foreclose the lien. That one-year deadline must be treated as if it was written in stone. So what do you do? Even after recording your Claim of Lien, do not ease off of the Owner in your efforts to get paid. Keep applying constant pressure. Do not wait too long before initiating the Claim of Lien foreclosure process. Under no circumstance should you let your Claim of Lien sit for even close to one year before filing a lawsuit to enforce it. Claims of lien cannot be extended beyond one year without the filing of a construction lien foreclosure lawsuit. A knowledgeable South Florida construction lien attorney, like Andrew Wyman, can protect your lien rights, help you understand Florida Construction law, and also provide assistance so you get paid and keep your business cash flow positive. Consult a Florida construction law attorney early and often to make sure you do not make a mistake that costs you money. Under Florida’s Construction Lien Law, it is essential for most subcontractors and material providers, except those who have a direct contract with the Owner, to serve a Notice to Owner in order to perfect their construction lien rights on a project. These “non-privity” lienors must take additional steps to notify the Owner of their involvement in the project. This is done by serving the Owner and General Contractor with a “Notice to Owner”. The Construction Lien Law Section 713.06(2)(c) provides the proper form. Most importantly, a Notice to Owner must be served timely or all lien rights will be lost. A Notice to Owner is generally considered to be timely when it is served (a) before commencing to supply services or materials, or (b) after commencing to supply service or materials, but before one of the following events occurs: (i) 45 days elapse from the first furnishing of services or materials, or (ii) the general contractor presents the Owner with a final affidavit and the Owner makes final payment. When specially fabricated materials are involved, the time period to serve the Notice to Owner begins to run from the date the fabrication of the materials commences – not first delivery. The Notice to Owner is required to be served at a time when, generally, a subcontractor or material supplier does not know or expect that a lien could become necessary or desired. Therefore, it is always best for a subcontractor or material provider who does not have a contract with the Owner to serve a Notice to Owner on the Owner and general contractor of the project in a timely fashion in order to preserve future lien rights on a project. The Notice to Owner, by itself, does not act as a lien. It is merely the first, but a critical step in the lien process for most subcontractors and material providers. There are a few exceptions when a Notice to Owner is not required. However these circumstances occur infrequently and need to be evaluated on a case-by-case basis. The best practice is for a subcontractor or material provider to always serve a Notice to Owner when they do not have a direct contract with the Owner. A failure to timely act under Florida’s Construction Lien Law will result in a waiver of lien rights. You’ll severely lose leverage later and this one mistake can easily prevent a subcontractor or material supplier from getting paid. Knowledge of these laws is critical, and every circumstance is different, so be sure to consult with an attorney who is familiar with Florida’s Construction Lien Law. In 2017, the Atlantic coast of the United States was hit with three of the top five costliest hurricanes ever (Hurricanes Harvey, Maria, and Irma). Early forecasts are predicting that the 2018 South Florida Hurricane Season will be busier than usual. And while roofs and roofing systems are among the most damaged portions of residential and commercial properties during hurricanes, insurance coverage for roofs is among the most misunderstood. As a property owner, it is critical that you have your roof inspected as soon as possible after a hurricane if you think your roof may have suffered any damage. If your roof was damaged, immediately contact your insurance company to initiate a claim. And if there is any way for you to minimize any further damage (such as by covering your roof with the dreaded “blue tarp”), do so immediately. When must your insurance company pay to replace your roof instead of repairing it? This depends on many factors – the most relevant is Florida’s Building Code Section 708.1.1, which states: “Not more than 25% of the total roof area or roof section of any existing building or structure shall be repaired, replaced or recovered in any 12-month period unless the entire roofing system or roof section conforms to requirements of this code.” For older roofs, damage is more than 25% of the roof can require your insurance company to pay for an entirely new roof based on current Florida Building Code requirements. What this means to you is that if any particular “roof section” suffers greater than 25% damage, then you are entitled to a replacement of that entire “roof section.” A “roof section” is defined in the Florida Building Code as: “A separating or division of a roof area by existing expansion joints, parapet walls, flashing (excluding valley), difference of elevation (excluding hips and ridges), roof type or legal description; not including the roof area required for a proper tie-off with an existing system.” As a general rule of thumb, roofs with ridges or valleys are considered a single roof section based on the 25% evaluation. Roofs that contain different materials (such as tile and flat), or that have different elevations are considered to have multiple roof sections. The damage analysis is conducted on a section-by-section basis. Insurance companies will often try to minimize roof damage or argue that certain damage was pre-existing to avoid paying to replace an entire roof. After all, it is cheaper for your insurance company to only pay for patching damaged areas than to pay to replace your roof. Insurance companies will take advantage of the unrepresented property owner in these situations. To have a fighting chance of obtaining the roof replacement you are entitled to, you need to level the playing field with your insurance company. Engaging professionals such as hurricane or insurance lawyers, public adjusters, and roofing consultants can drastically increase your likelihood of convincing your insurance company to pay for a full roof replacement. These professionals know how to evaluate roof damage, and also understand how these evaluations affect your insurance coverage. When clients retain Andrew Wyman of Wyman Legal Solutions for roof damage claims, we quickly coordinate with a roofing consultant to inspect your roof and determine whether any tile “uplift” occurred during the hurricane. This may have caused damaged to areas below the tile, not readily apparent to the untrained eye. We then take the roofing consultant’s report and obtain a cost estimate for the replacement of the roof. We submit these reports to the insurance company on your behalf and handle all negotiations and arguments with their adjusters so that you obtain the compensation you are entitled to. There are also other circumstances that require an insurance company to pay to replace your roof even if your roof did not suffer 25% damage. For example, did you know that if your roof tile is no longer manufactured and you are unable to match new tiles to your existing tiles that you may be entitled to a roof replacement? If your roof was damaged by a hurricane or other storm, Andrew Wyman and Wyman Legal Solutions can help empower you to obtain the recovery that you deserve. For an initial consultation, please call (561) 361-8700 or schedule an appointment online today.
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Buffalo Bills Linked to Another Potential Blockbuster Trade The Buffalo Bills are on a bye this week, which means players are away from the team facilities and getting a much-deserved vacation from the season. That doesn't mean the coaches and front office personnel are, however, as they continue work at One Bills Drive in Orchard Park. That includes general manager Brandon Beane, who could decide to make a trade before the November 1st deadline. The Bills are not a desperate team with a major need, but they are in a win-now mode and could become a buyer at the deadline for a championship. In case you missed the news, a major trade happened late last night in the NFL. The Carolina Panthers dealt star running back Christian McCaffrey to the San Francisco 49ers for 2nd, 3rd, and 4th round picks in the 2023 NFL Draft; along with a 5th round pick in the 2024 NFL Draft. It's a massive price to give up for a running back, no matter how good that running back is. The 49ers feel like McCaffrey is worth it and will be a missing piece to their west coast offense. The Bills were linked to McCaffrey and The NFL Network's Peter Schrager reported the Bills were initially interested in McCaffrey. With McCaffrey out of the equation (and I'm glad Beane didn't give up that price for him), the Bills focus may shift entirely to wide receiver Odell Beckham Jr...but there's another running back the Bills could be interested in, and the price tag should be far lower. This week, Los Angeles Rams head coach Sean McVay announced the team is looking to trade running back Cam Akers, to give him a fresh start. Akers recently requested a trade and has been unhappy with his role in the Rams offense. Akers is a former 2nd round pick out of Florida State, who had an impressive rookie season in 2020, before tearing his Achilles tendon in the summer of 2021. He did return for the Rams postseason run, on their way to winning the Super Bowl, but has been a disappointment this season. Darrell Henderson has carried the ball for the Rams this season, for the most part; while Akers has not seen much playing time. The Bills have the second best odds to land Akers. Some of those teams were also rumored or reported to be interested in McCaffrey (Bills, Broncos, Dolphins). The price should be lower for Akers than McCaffrey. He will likely get traded since McVay said as much, but where will he land?
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Your motherboard will need to support ES/QS CPUs. These were run in a Supermicro X12DPU-6. Photo is of actual item. Serial number is logged and recorded on all sales. Please don't hesitate to contact me if you have any question.This item is in the category "Computers/Tablets & Networking\Computer Components & Parts\CPUs/Processors". The seller is "pooboo2000" and is located in this country: US. This item can be shipped to United States.
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75 Brian Wallace - Current Team XFL News Hub About – Brian Wallace - XFL Announces All Eight Coaches Insider Details, We Talk FCF With Play-By-Play Man Greg Mescallby Mark Perry on April 19, 2022 at 12:28 pm Breaking Down The League’s Eight Head Coaches, Dean Blandino Rejoins the XFL as Vice President of Officiating and Playing Rules Innovation XFL Bankruptcy Administrator Files Lawsuit Against Oliver Luck & more. Mark talks with FCF Play-By-Play Man Greg Mescall about season v2.0. Plus, your emails, phone calls & social. We are live Mondays on YouTube The post XFL Announces All Eight Coaches Insider Details, We Talk FCF With Play-By-Play Man Greg Mescall first appeared on XFL News Hub. - Former St. Louis Battlehawk OT Brian Wallace Passes Awayby Sam Just on April 18, 2022 at 3:30 pm Please keep Brian Wallace's family and friends in your thoughts. The 26 year old former St. Louis Battlehawk has passed away after heart problems. The post Former St. Louis Battlehawk OT Brian Wallace Passes Away first appeared on XFL News Hub. - NY Guardians And STL Battlehawks Complete Four Play Tradeby Konnor Fulk on January 18, 2020 at 4:55 pm The New York Guardians and St. Louis Battlehawks completed the trade with the most players in XFL history, up to this point, on Friday. The two teams took the opportunity to shore up perceived needs as they traded a total of four players. The New York Guardians traded Offensive Tackle Brian Wallace and Cornerback David The post NY Guardians And STL Battlehawks Complete Four Play Trade first appeared on XFL News Hub. Google News About – Brian Wallace - scoreboard | News, Sports, Jobs - The Sentinel - Lewistown Sentinelon September 18, 2023 at 5:20 am scoreboard | News, Sports, Jobs - The Sentinel Lewistown Sentinel - High School Football Box Scores — Week 2 | Sports | salemnews.com - The Salem Newson September 18, 2023 at 4:00 am High School Football Box Scores — Week 2 | Sports | salemnews.com The Salem News - 3 biggest overreactions to Arizona Cardinals Week 2 loss to the New ... - Raising Arizonaon September 18, 2023 at 2:47 am 3 biggest overreactions to Arizona Cardinals Week 2 loss to the New ... Raising Arizona 📢 Attention XFL News Hub community! We've got a quick 30-second survey and we need your thoughts. Your feedback will help us to bring you the XFL content you love even better. Just click the link in the description below to get started. Thanks for being a part of our team! Unleash the Action: Sign up for XFL Insider and Fuel Your Passion for Football! |Season||Team||Pass. CMP||Pass. ATT||Pass. YDS||Pass. TD||Pass. INT||Rush. ATT||Rush. YDS||Rush. TD||Rec. Targets||Rec. YDS||Rec.||Rec. TD||G||GS||Avg||Rec Avg|
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Published at 2020, May 19th How to be sustainable? How to stop climate change, deforestation or nitrogen-caused eutrophication? Some people postpone the urgency of protecting the planet and building a fairer society based on the idea that we need more knowledge. Here’s why we might actually need to face our feelings rather than constantly search for new information. Reductionist Science Under Pressure and Holistic Science There is a crisis in academic publishing, says Hans de Wit, Professor and Director of the ‘Center for International Higher Education’ (CIHE) at Boston College, USA. He believes the is too much pressure coming from every direction. “Too much pressure on top journals, too many books of marginal quality, the rise of predatory journals, and publishers that publish low or marginal quality research”, says de Wit. At the same time, there is tremendous pressure on academics worldwide to publish, and there are even a couple of scientists publishing over 70 papers a year. Daniel Christian Wahl, the author of Designing Regenerative Cultures, criticizes considering only valid and informative the conclusions from “reductionist, analytical, quantity focussed science and even mechanistic explanatory frameworks“. Despite acknowledging reductionist science as a useful approach with frameworks that have their place and that have been serving societal developments, Wahl calls for the need to make shifts and focus on more holistic and systemic interpretations of the complex problems we are facing. Shifting from focusing on “quantities and measurement to focusing on qualities of interactions and direct experience. Shifting “away from the myth of the independent, detached, objective observer towards understanding science as a participatory activity based on inter-subjective consensus building.” And acknowledging the important role that imagination and creativity play in science to complement the analytical approach are some of Wahl’s suggestions. Knowledge Is Worthless If Ignored or Kept Inside a Box There’s a huge gap between knowing something and doing it. And today’s society is full of evidence of this phenomenon, as we have exposed in our piece: “Normal” Is Not Where We Want to Return to After Coronavirus. For instance, there are countless studies showing exercise has multiple health and well-being positive effects – this is not a controversial issue. However, in the U.S., only 1 in 4 adults and 1 in 5 high school students meet the recommended physical activity guidelines. More than half of Europeans do not do any vigorous physical activity and around half do not engage in moderate physical activity. We could go on and on with examples in which knowledge is not put into use. From smoking and screen addiction to climate inaction or the overconsumption of foods that lead to obesity and cause cardiovascular diseases, which have been increasing worldwide. This raises a bunch of relevant questions: why isn’t this knowledge applied? Aren’t people aware or do they simply ignore the facts? Are irrelevant stories the ones most shared by the media? Is reality just too complex and interconnected that we fail do see the bigger picture? How useful is knowledge if it is not applied? What factors help explain why humans ignore the knowledge scientists strive so hard to find? If by human evolution and progress we mean new discoveries and more knowledge, and if we don’t put it to use, what is it for then? Rational VS Emotional Decision Making According to Yale researcher Dan Kahan, people tend to use scientific knowledge to reinforce beliefs that have already been shaped by their worldview, and that give them a sense of belonging. When this sense of belonging is under threat, science, which appears to our rational brain, can even be left behind while local values and local opinions get overrated, Dr. Marcia McNutt, former Editor in Chief at Science suggests. McNutt says our beliefs are motivated largely by emotion, and the biggest motivation is remaining tight with our peers as we have a need to fit in. This line of thought is compatible with Kahan’s claims that it may not be totally “irrational” to reject established climate science: because people are also arguing about who they are and who their crowd is – it is also personal. For instance, doubting excessive carbon emissions are harmful and should be reduced could mean not being part of fossil fuel extraction tribe anymore. Dr. António Damásio is a Portuguese neurologist whose book Descartes’ Error: Emotion, Reason and the Human Brain is a landmark in contemporary neuroscience. He has shown emotions influence and even completely control the outcome of a large number of decisions people make. Does this mean at people’s emotions can change the decisions they make? Reacting to Stimuli with Emotions and Feelings Though they are often used interchangeably, emotions and feelings aren’t the same. Damásio, whose main discovery was that feelings are “mental experiences of body states,” differentiates them in this way: “We are afraid of something, our hearts begin to race, our mouths become dry, our skin turns pale and our muscles contract. This emotional reaction occurs automatically and unconsciously. Feelings occur after our brains becomes aware of such physical changes; only then do we experience the feeling of fear.António Damásio, Neurologist Damásio points ou we are probably wired to respond with an emotion when certain features of stimuli in the world or in our bodies are perceived. For instance, we don’t learn to fear a big shade making a big noise in the middle of the woods. Rather, we have this emotional response – fear – pre-programmed and wired in us. However, we do learn more complex responses Damasio calls secondary emotions: responses which derive from experience – particularly in childhood and adolescence, extending throughout our whole lives – and acquired knowledge. We discover these emotions as we associate certain stimuli with positive or negative outcomes. The process of making these associations is by no means foolproof though, especially when it comes to statistical biases. Human Reasoning: Emotions, Feelings, and Biological Regulation Damásio proposes human reason depends “high-level” and “low-level” brain regions collaborate in the making of reason. The lower levels regulate the processing of emotions and feelings, along with the body functions needed for survival. These include heart rate regulation, endocrine functions, adjustment of smooth muscle contraction, regulation of immunity, among others. These lower levels put the body directly within the chain of command that makes the highest reaches of reasoning, decision making, and, by extension, social behavior, and creativity. Hence, emotion, feeling, and biological regulation all play a role in human reasoning, i.e., in the identification of alternatives, the prediction of outcomes, and the determination of the alternative most likely to yield the best outcome. Human reasoning is a very demanding mental activity that requires a lot from our attention and memory and is extremely time-consuming. Emotions are a very useful automatic biasing mechanism that helps fasten decision making by ruling out predicted negative outcomes. With a smaller range of alternatives, we then use resource-intensive reasoning strategies on a much smaller set of options. Biases in Thinking and Decision Making Emotions enhance our finite capacities of attention and working memory by heightening our perception and recollecting good or bad options, rendering them more vivid and easier to recall in the mind. However, since they are biased, they can also mislead decision making and undermine the reasoning process. These mistakes are likely a result of errors in our individual experience of developing secondary emotions, the process by which we create associations between certain stimuli and positive or negative outcomes. We link secondary emotions with stimuli during all our lives, but childhood and adolescence experiences are key to forming our secondary emotions. In this way, according to Damasio, inaccurate or irrational associations (such as traumas) made during our formative years help explain why sometimes emotions interfere with reasoning rather than support it. At the same time, on what concerns reasoning, when we’re under stress or when the stakes are high, attention and memory levels at our disposal may decline, making it harder to make the best a decision. Inside Out: a Greater Emotional Intelligence in Decision Making Wise, informed speculation has been allowing humanity to expand its knowledge throughout the times, reducing what is unknown. At the same time, science is always provisional and susceptible to being overturned by future experiments. This helps explain why proclaiming absolute truth or certainty in the name of science is incorrect – uncertainty is inevitable at the limits of knowledge. Reductionist science and the unuse of the precautionary principle had been leading humanity towards a pre-coronavirus related that is both bad for most of society and that is destroying the ecosystem functions that allow Life, including ours, to flourish. In this way, as Wahl puts it, a shift from science that tries to maximize our ability to predict and control nature towards a new understanding that aims for appropriate participation in the processes that support all life on Earth may well be a wise direction to follow for the greater good to humanity in the long term. Such “new understanding” might just as well require a greater ability to access, interpret, and act upon our emotions so we can make better, more holistic decisions. Exploring our emotions will likely help us understand and compensate when inaccurate or irrational emotions lead us to wrong decisions. There are numerous scientific papers showing the benefits effects of quiet or active meditations or spending more time outdoors in nature in activities such as forest bathing. There are many therapeutical techniques that challenge us to go back to our growing up time and face our traumas – therefore stopping them from limiting our decision-making due to irrational fears and fallacious emotional associational. Perhaps the suggestions above should be part of the curricula of those running for office? What impact could it have on large business leaders and owners? There are so many revolutionary ideas, there is so much knowledge available that is forgotten. What if what a better world needs is not more knowledge, but rather more emotionally-conscious ways of making decisions?
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Today's pressure cookers are more efficient, safer, faster, and makes preparing meals at home easier than ever before. There has been a resurgence of interest in pressure cookers as they have become better appliances and new people are now learning about their many benefits over conventional cooking. Both stove-top and electric pressure cookers have had many improvements over ones from only a few years ago. Learn how to make your own easy, nutritious fast food at home! It's time for you to enjoy these benefits of Pressure Cooking too! Have you ever come across a slow cooker recipe that sounds delicious and you thought, “I’d sure like to make that in my pressure cooker.” Well, you’re in luck, a great many delicious slow cooker … [Read More...] What are the best electric pressure cookers? The best one for you is the one that has the features you would actually use. Which models have those features? When you're desperate for … [Read More...] Pressure cooking ribs is perfect to give you that juicy, fall-off-the-bone tenderness that everyone loves! No need to slow cook them over a grill all day long. Rib meat is fairly tough, and it … [Read More...] PPressure Cooking Pot Roasts Makes the Meat Incredibly Tender and Infuses Your Entire Meal with Wonderful Flavors that you and your Family Will Love! What's better is that it's extremely easy with … [Read More...] Moist and Juicy Chicken for all Your recipes Pressuring cooking chicken breasts is one of my favorite ways to cook them, because they're tender and juicy every time. Sometimes I'll cook a large … [Read More...] There's really not much involved in pressure cooking black beans. It's really quite simple and easy, and the benefits are enormous! Boiling beans can take up to two and a half hours or so, but … [Read More...]
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https://yourpressurecooker.com/
2023-09-27T12:02:43Z
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In a special Ramadan evening, the European Union Delegation, in partnership with the Youth Pioneer Society, organised the annual Ramadan Ghabga last Tuesday. The event was attended by His Excellency Mr. Patrick Simonnet, the European Union Ambassador to the Kingdom of Bahrain, alongside officials from the government and private sectors, diplomats, media professionals, public figures, strategic partners, and supporters of the Society at the Diplomat Radisson Blu Hotel. H.E. Mr. Patrick Simonnet, Ambassador of the European Union to the Kingdom of Bahrain, said: “We are proud to partner with the Youth Pioneer Society for this special Ramadan Ghabga event, showcasing our commitment to strengthening the relationship between the European Union and the Kingdom. Investing in the potential of Bahrain’s youth is crucial for building a brighter future, and we look forward to our continued collaboration in empowering the next generation of leaders. This event, held during the holy month of Ramadan, is a wonderful opportunity to engage with different layers of society, fostering open dialogue, and promoting mutual understanding, while celebrating the values of harmony, compassion, and generosity that Ramadan embodies.” Amira Mahmood, Chairperson of the Board of Directors of the Youth Pioneer Society, said: “This Ghabga coincides with the atmosphere of the blessed month of Ramadan, during which communication, cooperation and interdependence are strengthened among members of society, and a culmination of the distinguished relations and fruitful cooperation that the Society enjoyed with the European Union in the Kingdom of Bahrain.” She added that this event also comes within the framework of the Kingdom of Bahrain’s celebration of the Bahraini Youth Day, which focuses on the important and vital role that Bahraini youth play in shaping the future of Bahrain. The Chairperson of the Youth Pioneer Society confirmed that the Society is always keen to develop its fruitful and successful partnerships with local and international institutions and organisations, with the aim of providing the best training and educational programs and opportunities for the youth of the Kingdom of Bahrain, which would raise their skills and capabilities, and achieve the society’s vision aimed at making the Kingdom’s youth a decision-maker, ability, skill and efficiency and a global competitive culture, noting that the Society will launch during the coming period a set of new programs that are the result of new partnerships and cooperation in the Kingdom of Bahrain. The European Union is the strategic partner to the Youth Parliamentarian Programme. The Ramadan Ghabga included many Ramadan entertainment activities, with the aim of enhancing EU-Bahrain relations between government and civil society within the Kingdom.
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https://youthpioneer.org/news/european-union-delegation-to-bahrain-and-youth-pioneer-society-host-celebratory-ramadan-ghabga-2023-in-bahrain/
2023-09-27T12:43:23Z
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https://ypihealth.com/3-methods-for-play-centers-today-you-should-use/
2023-09-27T13:01:46Z
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The event we’ve all been waiting for the whole year is here. And here’s what Microsoft has to tell us guys… Everything Microsoft Announced on E3 2018 I’m personally more excited about the Gears 5, or Gears of War 5. I’ve been hoping for it since forever. Did YOU get what you’ve been waiting for?
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2023-09-27T13:09:23Z
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For particularly sun-sensitive, untanned and sensitive children's skin: SUNDANCE Kids Sun Roll-On SPF50+ is waterproof* and has a UVA+UVB broadband filter system with vitamin E. It leaves the skin feeling pleasant and, when used regularly, prevents premature light-induced skin aging and pigment spots. The sun roll-on provides immediate and reliable protection against sunburn. As a 24 h moisturizer, it has a long-lasting effect against dehydration of the skin. *Independent test institute confirms: After 40 minutes in the water, there is still at least 50% of the promised sun protection factor. To protect coral reefs and waters, all sun protection products of our dm brands SUNDANCE, alverde and babylove are free from the light protection filters octinoxate and oxybenzone, in accordance with the Hawaii Reef Act (SB 2571). Aqua, Octocrylene, Glycerin, Alcohol Denat, C12-15 alkyl benzoate, butyl methoxydibenzoylmethane, ethylhexyl salicylate, diethylamino hydroxybenzoyl hexyl benzoate, dibutyl adipate, coco caprylate/caprate, VP/hexadecene copolymer, triacontanyl PVP, phenylbenzimidazole sulfonic acid, diethylhexyl butamido triazone, ethylhexyl triazone, Tocopheryl Acetate, Caprylyl Glycol, Bis-Ethylhexyloxyphenol Methoxyphenyl Triazine, Microcrystalline Cellulose, Sodium Hydroxide, Acrylates/C10-30 Alkyl Acrylate Crosspolymer, Galactoarabinan, Disodium EDTA, Cellulose Gum, Caprylhydroxamic Acid, Xanthan Gum, Citric Acid
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https://zegerman.sg/en-my/products/sonnenroller-kids-med-ultra-sensitiv-lsf-50-100-ml
2023-09-27T12:41:26Z
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Adobe Flash has finally reached the end of its lifetime. A pioneer in the late 90s, bringing video, animation and interactivity to the web that at the time, was very static. It was time, without doubt. But Flash gave me, and so many others, such joy and pleasure to work with and truly made an impact in enriching website content and interactivity when in its prime. You may think that remote working could be a challenge. And for some it can be. However, with the incredible range of online collaboration tools that we have available to us today, it has been made far more simple and effective. The key to these tools is collaboration. CSS Gradients are fairly easy to achieve, but this tool makes implementing them a breeze! Back in the day we used to use a 1px wide png set to repeat over the background to achieve a gradient effect, until the rise of the CSS gradient, a highly efficient way to achieve any gradient you may need.
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2023-09-27T12:00:09Z
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Water levels are again a conversation on Lake Ontario and the St. Lawrence River. Instead of devastating floods, in 2022, the conversation is the exact opposite. A dry summer, with little precipitation, has led to low water levels on both the lake and river, which has caused frustration throughout these communities as recreational seasons are being cut short. Read the full story by WSYR-TV – Syracuse, NY. Of the 945 charter boat guides licensed in Ohio, there are 18 who are female, and only two in Ottawa County. Earning success in a male-dominated profession is a significant accomplishment, but the discrepancies between them and their male colleagues pretty much end there. Read the full story by The Beacon. Read the full story Due to constant weather changes, anglers have been facing challenges with reeling in trout. There is still some hope that if it warms up a bit the bass season should be good. Read the full story by Big Rapid Pioneer. Read the full story There’s a special weather statement issued by Environment Canada for Bruce, Grey, Perth, Huron and Wellington Counties. While the Great Lakes Compact bans diverting water from the lakes, years-long droughts in Western states have brought renewed attention to the possibility of pumping water in from the Mississippi River and the Great Lakes. Read the full story by Michigan Radio. Read the full story The program would work by recruiting nursing students, Allied Health students, and medical students.
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https://zine.brucebeach.ca/2022/09/19/residents-frustrated-with-low-waters-on-st-lawrence-river-lake-ontario/
2023-09-27T11:37:31Z
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Rugby Backpack | Kids' Sports Bag | Black You may think this is the most practical of the rugby ball backpack colours, but read on. First, take our word that this is a fine, quality product. The ball shape is maintained by moulded EVA foam so holds its shape, the interior has pockets for phone, pens and valuables, and the back of the backpack is generously padded, with two comfortable and adjustable shoulder straps and a strong top carrying handle. We particularly like the chunky, strong white zip. Capacity-wise, it'll take money, water, snacks for a day out, or work as a boot bag for practice. The most practical colour, then? We'll simply point out that all of these bags are wipe-clean. Mud? Pah!
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https://zsig.com/products/rugby-backpack-kids-sports-bag-black
2023-09-27T11:53:10Z
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His projects were awarded at such festivals as Pentawards, KIAF, LAMA, Ad black Sea, Ad stars, Аdnak!, German Design Awards. Worked with such clients as Santa Bremor, Wargaming, Lactalis, Coca-Cola Belarus etc. Agency holds #2 position in Belarusian creativity ranking in 2018 and #4 in 2019. Regularly takes part in the jury of industrial festivals and creative contests, is a lecture of a special course on Brand Management at business school ASBIRO (Poland) and Dutch marketing program EMMS in Minsk. Regular speaker of advertising and business conferences.
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http://2021.adfest.by/en/jury/witalij-jackiewicz
2023-09-28T17:48:10Z
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