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Terms And Conditions

Terms & Conditions

Effective 29 August 2022. If you were booked prior to this and want to see the previous Terms and Conditions, please email us at welcome@higherwiscombe.com

The Contract for a short-term holiday rental will be between the Higher Wiscombe Ltd (referred to as “Higher Wiscombe or We”) and the person making the booking and all members of the party who are part of the booking (referred to as “the Customer, or Your or You”) in the following booking conditions. UK Law will govern the Contract. The contract of hire is not effective until We have processed the deposit. The contract will be subject to these booking conditions, and must be complied with. The party leader must be at least 18 years of age at the time of booking and prior to arrival We must be provided with a list containing the names, ages, Postcodes and contact details of all guests.

Bookings are CONFIRMED on receipt the deposit of 40% of the booking cost. The deposit must be paid within 3 days of booking being placed. The balance of the booking will be due for payment Ninety Days prior to the booking commencement date for any bookings that include The Winery, and Sixty Days prior for all other bookings.

a/ If your booking has to be cancelled because Higher Wiscombe is put under Government Restrictions and has to close and the period of closure covers Your booking You will be refunded in full.

b/ In the event that Your given address is put into Local/Regional Lockdown, rendering You unable to travel, and the period of restriction covers your booking You will be refunded in full.

c/ If your booking has to be cancelled because Higher Wiscombe has to close through Force Majeure, meaning any of the following circumstances which may hinder or prevent the performance by us of the Contract, including but not limited to: (a) acts of God, flood, drought, earthquake or other natural disaster; (b) epidemic or pandemic; (c) terrorist attack, civil war, civil commotion or riots, war, threat of or preparation for war, armed conflict, imposition of sanctions, embargo, or breaking off of diplomatic relations; (d) nuclear, chemical or biological contamination or sonic boom; (e) any law or any action taken by a government or public authority, including without limitation imposing a restriction, prohibition, or failing to grant a necessary licence or consent; (f) collapse of buildings, fire, explosion or accident; (g) non-performance by our suppliers or contractors; and (i) failure of utility service, and the period of closure covers your booking. You will be refunded in full.

d/ Customer inability (or the inability of any, some or all of Your intended party) or disinclination to travel to and stay at Higher Wiscombe for any reason.

This includes – but is not limited to – illness (including Covid), a requirement or recommendation to self-isolate or quarantine, shielding, a call to jury duty, military service, incarceration, change in personal or work circumstances, family emergencies, travel delays, vehicle breakdown, and delays with public transport.  These remain at Your risk and do not give rise to a right to cancel or to receive a refund unless We re-let the property, other than according to the sliding scale below. You are strongly recommended to take out UK travel insurance to cover these eventualities.If you choose not to take out UK travel insurance, then you accept responsibility for any loss that you may incur due to your cancellation.

e/ Cancellations must be notified to Higher Wiscombe by phone and email and once received in writing we will confirm the cancellation request.

f/ Higher Wiscombe will apply the scale shown in the table below to bookings that include The Winery to determine the amount of the charge, which shall be a percentage of the total cost of the booking.

Number of days before start of booking that notification of cancellation is received*The percentage of total booking value payable by the Customer
 More than 90 days 5% of the booking cost
60 to 89 days40% of the booking cost
45 – 59 days50% of the booking cost
30 – 44 days75% of the booking cost
3 – 29 days
0 – 2 days
90% of the booking cost
100% of the booking cost

g/ Higher Wiscombe will apply the scale shown in the table below to bookings that do not include The Winery to determine the amount of the charge, which shall be a percentage of the total cost of the booking.

Number of days before start of the booking that notification of cancellation is received*The percentage of total booking value payable by the Customer
 More than 60 days 5% of the booking cost
45 to 59 days40% of the booking cost
30 – 44 days50% of the booking cost
15 – 29 days75% of the booking cost
3 – 14 days
0 – 2 days

90% of the booking cost
100% of the booking cost

*In order to ensure speedy receipt, and thereby processing, of cancellations, Higher Wiscombe recommends that the Customer sends written notification of cancellation by email requesting confirmation of receipt of cancellation. The effective date of cancellation is when written notification is received by Higher Wiscombe. Any amounts due for refunding will be made within 14 Days.

h/ On receipt of the cancellation, the above Charts state the amount that the Customer remains liable for at that point in time. Higher Wiscombe will then use reasonable endeavours to obtain a replacement booking. In the event that Higher Wiscombe is successful in obtaining a replacement booking, Higher Wiscombe will refund to the Customer the total amount paid by the Customer for the booking less the 5% Booking Fee and less the difference in price between the Customers’ booking and the replacement booking if one is made.

For example:  A £1000 booking, fully paid, cancelled and relet for £900, means that the original Customer will be refunded as follows, £1000 – 5% booking fee equals £950, – £100 rebooking shortfall, = Refund of £850.

i/ It is the responsibility of the Customer to acquire suitable travel insurance for themselves and their party to cover the booking. Higher Wiscombe strongly recommends that the Customer acquires suitable insurance to cover circumstances beyond the Customers’ control such as, but not limited to, jury duty, incarceration, change in personal or work circumstances, military service, illness – including Covid and shielding, family emergencies and travel delays.

Covid is also now a known risk and it is possible for you to insure your holiday against it. This can include the customer or any of the party having Covid, the customer or any of the party having to isolate or quarantine, or you wishing to shield any Members of the party.

a/ If you want to use the services of a third-party supplier whilst staying at Higher Wiscombe you must ask and receive written permission to do so. This may be for a chef, beauty treatments, (Higher Wiscombe has a pre-authorised list of private chefs and beauty treatments), bouncy castle hire, magicians, opera singers, swimming teachers, baby-sitters etc.

b/ Higher Wiscombe would need to see the third-party supplier’s public liability insurance, and any other related/required certification. Higher Wiscombe will then seek approval from Higher Wiscombe’s insurers to allow the third-party activity to take place.

c/ If all insurances and certification are satisfactory to Higher Wiscombe and our insurers, permission to invite these suppliers to Higher Wiscombe will not be unreasonably withheld.

d/ Higher Wiscombe does not accept liability for the activities of these third-party suppliers. If you bring a third-party supplier to Higher Wiscombe without consent, we reserve the right to ask them to leave.

You should not arrive before 4pm on the commencement date, and leave by 10am on the day of departure. Failure to do so may result in you being charged a further day’s rental. You must not use the property except for the purpose of a holiday during the holiday period, and not for any other purpose or longer period. The agreement to stay in the property for the holiday period, does not create the relationship of Landlord and Tenant between the parties. You shall not be entitled to a new tenancy, or to any assured short hold or assured tenancy or any statutory protection under the Housing Act 1988 or other statutory security of tenure now or at the end of the Holiday Period.

Under no circumstances may more than the maximum number of persons stated on the web site occupy the property. We reserve the right to refuse admittance if this condition is not observed. Any persons other than members of your party must not use the facilities at Higher Wiscombe including the swimming pool unless explicit permission is given. If you wish to invite additional visitors to visit you in your cottage during your Stay, please ask us. We will try to accommodate this, but we need to comply with the maximum site occupancy limits, our insurance cover and consider our other guests.

There must be at least one capable and responsible adult over the age of 18 in every Cottage.

You are responsible for the full active physical supervision of all members or your party under the age of 18 at all times. This is particularly important around the swimming pool, in the games room, in the surrounding fields which have streams and fences as well as livestock. There are specific rules for the use of swimming pool, please see our swimming pool page
or more details: https://www.higherwiscombe.com/swimming-pool/

Regardless of supervision, for safety reasons scooting or cycling on the driveways is not permitted – although Higher Wiscombe is a peaceful site, we do have large vehicles visiting and working on the site (such as bin lorries, farm vehicles and delivery trucks). Bicycles, scooters and ride-ons must not be stored or used in the cottages in any circumstances.

Parties not supervising their children responsibly may be asked to put appropriate arrangements in place or to leave the relevant facility.

About this policy

8.1        This policy sets out how Electric Vehicles (EV) should be recharged while at the Property and the responsibilities of EV owners in respect of safe charging.

8.2        Any reference to “Property” in this policy is a reference to the Property including any garden, grounds, outbuildings, garages or communal spaces.

8.3        This policy forms part of our contract with you. A breach of this policy will constitute a breach of the contract between us.

Who does this policy apply to?

8.4        This policy applies to all members of the Booking Party. No one who is not booked into the property can use the EV Chargers at the Property. It shall be the responsibility of the Lead Guest to inform all members of the Booking Party and any visitors of this policy.

What is an Electric Vehicle?

  • For the purpose of this policy an EV is any vehicle that uses electric motors, either fully or partially, to drive its wheels. It will derive some or all its power from rechargeable batteries which requires connection to the electricity grid (plug-in). This includes fully chargeable and plug-in hybrid cars, motorbikes, buggies, scooters, mopeds, bicycles, utility vehicles and tracked vehicles.

Domestic charges are not permitted at the Property

8.6        Most EVs are supplied with a domestic charger, commonly known as a ‘granny charger’ or a ‘trickle charger’. These cables recharge the EV using a domestic power source via a 3-pin wall socket.

8.7        Domestic chargers are not suitable for use in the Property and will create a fire hazard. The use of domestic chargers is strictly forbidden.

8.8        We retain the right to carry out reasonable inspection, on a without notice basis, to ensure that granny chargers are not in use in the Property.

8.9        You are solely liable for any damage or loss suffered by us as a result of your unauthorised use of domestic chargers.

Dedicated charging points

8.10     The Property has a dedicated charge points (DCP) located outside the Biomass Boiler Room. It has a TESLA connector and a Standard Connector. One car at a time can be charging.

8.11     DCPs are exclusively for the use of the Booking Party, our staff and approved contractors. Visitors to the Property who do not comprise the Booking Party are not permitted to use the facilities without our express permission.

8.12     DCPs are subject to fair usage and reasonable energy consumption charges:

The DCPs are not metered at the moment, new upgraded chargers are planned with a charging app, but we have some electrical infrastructure to upgrade first. In the meantime, we are asking our guests to make a fair contribution for the electricity that they use before they leave the property. Receipts will be provided.

              You must not:

(a)      use a DCP if you are not authorised to do so;

(b)     use any splitting cables or modify the DCP in any way;

(c)      smoke in the vicinity of any DCP;

(e)      occupy a DCP once charging of the EV is complete or once your fair usage period in accordance with the table at 5.3 ends. We reserve the right to charge a reasonable fee where you fail to remove your EV from the DCP.

8.13     DCP spaces must not be occupied, or access impeded, by non-EV Vehicles or EV vehicles not using the DCP for charging purposes.

8.14     We do not guarantee the availability of a DCP and unavailability of the DCP shall not constitute a breach of our Guest Terms.

8.15     Authorisation for the use of a DCP during your Stay must be made prior to Booking.  We reserve the right to withdraw this authority at any time and for any reason.

8.16     Use of the DCP is at the owner’s own risk and we do not accept any liability for loss or damage sustained by you or your EV as a result of using the DCP unless the damage was caused directly by our negligence.

8.17     You shall be responsible to us for any damage to the DCP or loss suffered by us caused by your use of the DCP.

You are responsible for the property and are expected to take all reasonable care of its furniture, pictures, fittings and effects, in or on the property. You must leave them in the same state of repair, and in a reasonable clean and tidy condition at the end of the rental period. You must not use the properties for any dangerous, offensive, noxious, noisy, illegal or immoral activities or carry on there any act that may be a nuisance or annoyance to the owner or other neighbouring properties. Smoking is not allowed in any of the properties. Any damages will have to be paid for in full within seven days of notification. We recommend that you have insurance in place to cover this.

You are legally bound to reimburse us for replacement, repair or extra cleaning costs on demand. If damage occurs to the Property as a result of the actions of Guests during the stay, where the extent of that damage is so severe that the Owner must (in their sole opinion) cancel and/or refund subsequent bookings, the Owner may bring a claim against you for any loss arising as a result, including the cost of refunding other guests affected by cancelled Bookings and any additional administrative fees incurred in respect of the same.

11. WIFI

Wi-Fi is provided for the guest’s reasonable use. The guest agrees to reasonable and lawful usage of this service.

We shall be allowed the right of entry to the property at all reasonable times for purposes of inspection or to carry out any necessary repairs or maintenance.

See our Privacy Policy here https://www.higherwiscombe.com/privacy-policy/

See our Cookie Policy here https://www.higherwiscombe.com/cookie-policy/

Every effort has been made to ensure that you have an enjoyable stay. However, if you have any problem or cause for complaint, it is essential that you contact us immediately to give us the chance to resolve it. We value your custom and want you to return.

1/ Electric Vehicle charging is not included in the price. As it is not metered we ask you to give us an estimate before you leave off the electricity used. We will provide an invoice/receipt for you.

2/ Under no circumstances are you to bring electrical appliances to Higher Wiscombe, other than laptops and phone chargers, without explicit written permission. This includes air conditioning units. Guest appliances have not been PAT tested and could invalidate our insurance. We will levy a charge if we find they have been operating without consent.

3/ Fireworks, Chinese Lanterns, firepits and portable BBQ’s are explicitly forbidden at Higher Wiscombe. The whole surrounding area is a tinder box in summer and there are livestock on pretty much all the fields surrounding Higher Wiscombe.

4/ Whilst reasonable numbers of visiting guests are allowed, additional overnight guests are not. The cottage occupancy limits are clear on the website. This could invalidate our insurance.

5/ Guests who invite visitors who have dogs, must check with us first. Any visiting dogs must abide by our Doggy Code of Conduct

6/ Guests who invite visitors to come and join them during the day are not entitled to use the swimming pool unless explicit permission has been granted. A couple of guests is normally acceptable.

7/ If you have booked more than one cottage, please don’t move items either internal or external from one cottage to another. If you would like to move something, a BBQ for example, we can arrange safely moving these and then re-installing them.

8/ Drones are not allowed to be flown at Higher Wiscombe without explicit written permission. We will need to see your licence to fly the drone, and even if permission is granted, the drone will only be allowed to fly over our fields and not the holiday cottages or farmhouse.

Higher Wiscombe, its employees and representatives shall not be liable to you or your party for loss or damage to property howsoever arising. You must take all necessary steps to safeguard yourselves and your property.

17. PETS

We only allow dogs, no other kinds of pets. Dogs have to be booked in and paid for. (£25 per dog, per stay/per cottage entered). Two dogs are allowed in the Thatched and The Winery and one in either Flint or Hank’s Annexe. We may allow more dogs to stay but this must be agreed in writing before arrival. In order to maintain our Five Star Gold Cottages for everyone to enjoy, it is necessary that guests bringing dog(s) agree to these conditions.

Additional Terms and Condition for guests bringing their dog(s).

On arrival, and at all other times, your dog(s) must be kept on the lead in and around the courtyard, this means keeping them on the lead when you first set out for your walk.

Once they’re out in the designated fields or the orchard they can be off the lead as much as you like provided they are under your control. They must not chase any livestock or wildlife. You must obey the Countryside Code and keep your dog(s) under close control at all times for their own safety as well as for the benefit of other dog owners and livestock.

There are lots of dog walks on our 52 acres and in the surrounding area. Please be aware there may be animals in our fields, and only take dogs into fields with animal whilst on a lead. Please also make sure you close any gates behind you.

Poop patrol! When taking your dog(s) for a walk, please pick up after them including in our fields, as these are open to all guests. We provide free poop bags and a dedicated poop bins in each cottage so please use them. And remember to take bags with you to the beach and on walks. You musts also pick up all poops in the cottage gardens.

When you bring a muddy dog back from a walk, please clean them off using the outside taps and the coloured canine towels provided.  On no account use the white towels provided for human use.

Your dog(s) must not be left alone with free run of the property. If you have a puppy please take extra care. They will chew the furniture or soft furnishings here in our 5-star cottages! Maintaining our grading is key to our business and we can’t always repair things, it has to be replaced, at your expense. We provide crates for you, with cage mats. We provide a guide of dog friendly pubs and restaurants and places to visit so that your dog can remain with you. Each garden is fully enclosed so you can relax outside with your dog(s), the gates must be kept shut at all times.

The dog(s) are not allowed in the garden surrounding the swimming pool.

Dogs are not allowed in the bedrooms, but are allowed on the sofas provided that you use the throws provided and keep the dog from contact with the soft furnishings. We can provide stair gates in the cottages which will help control where the dog(s) can wander in the cottages.

We regret that dogs that bark continuously are not allowed at Higher Wiscombe. They will disturb the other guests.

We have two friendly cats. If your dog(s) have any problem with cats you must notify us prior to booking.

Please thoroughly clean the cottage, including dog hair from rugs, before you leave; if properties require additional cleaning or dogs have been in the bedrooms, or an uncovered sofa, we will charge a £50 fee to cover the cost.


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Silk Sonic Withdraws Album From 2023 Grammy Consideration

The LP was considered to be a top contender for Album of the Year.

(Photo by Rich Fury/Getty Images for The Recording Academy)

Bruno Mars and Anderson .Paak have decided to remove their album, An Evening With Silk Sonic, from Grammy consideration.

In a statement received by Billboard, the duo said their project’s love and acclaim by fans worldwide was enough for them.“Andy and I, and everyone that worked on this project, won the moment the world responded to first single ‘Leave the Door Open.’ Everything else was just icing on the cake,” Mars said of the retro soul single that won four Grammy awards last April, including song of the year, record of the year, best R&B song and best R&B performance.

The LP was released in November 2021, making it eligible for nominations at the 2023 ceremony.

In a statement to Billboard, Recording Academy CEO Harvey Mason Jr. noted, “Silk Sonic has been such a fun highlight of our last couple of shows and they deservedly had an amazing night at the 64th GRAMMYs earlier this year. We appreciate their decision not to submit this year but look forward to celebrating an amazing year in music together.”The Silk Sonic album was considered a top contender for album of the year, along with artists like Beyoncé, Harry Styles, Kendrick Lamar, Adele and Taylor Swift.

The Grammys are slated to take place in Los Angeles at Arena on February 5, 2023.

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• Auto Transport
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Moving services in Minnesota, MN

If you are planning to hire a Minnesota moving company that can offer you with the quality moving rates for your Local Move or Long Distance Move, you are at the right place indeed! At our moving company, we provide you with a large collection of licensed professional movers. Our movers are well equipped to handle your move with complete care and attention. Whether you are moving to Minnesota or to Minnesota, we can help you with your relocation.

We are aware that finding reliable and affordable Minnesota residential movers can be a difficult task to do. It might be a long process. And it can cause you a good deal of stress. This is the reason why we try to make things easier for you. We provide you with some of the top full service movers Minnesota has to offer.

Long Distance Moves can bring to you multiple challenges. Certainly, this can be stressful for any person. However, finding a long distance moving company does not really have to be one of those challenges. We helps you find the topmost affordable Minnesota long distance movers. We ensure that it turns out to be one of the simplest parts of the relocation.

Whether you are looking for out of state movers or interstate movers, we offer you both. You might be in need of service moving companies, simply packing services or furniture movers. No matter what your needs are, we can be the right fit for you.

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LAB Map.tiff

Although this map lists units that, because of realignments within the United States Air Forces in Europe, weren't present by the time we arrived in March 1955, it does give a good idea of the layout of Landsberg Air Base.  Not shown on this map, our apartment building (House 96) was located to the left of building 11, which is coded as VIP Quarters, and was built in that narrow tree-lined area between the parking lot and the base perimeter.  The top part of the map is to the south and the bottom part is to the north. (USAF)


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Our Services

Holcombe Fuenral Home provides personalized services to meet the personal desires of each family. Although not a complete list the following are available.

Our services include:

Traditional services include: visitation at the funeral home, a service at the funeral home or church of your choice and the committal service at the cemetery.

  • Immediate cremation service
  • Memorial services and visitations
  • Infant services
  • Veteran funerals
  • Services when death occurs out of the area
  • Support referrals as needed after the funeral service
  • Special cemetery services
  • Obituary notification through our website
  • Send messages to the family through our website

There are numerous ways that you can personalize a funeral or memorial service.
 Services can be traditional or as unique as the life being celebrated. Below are a few ideas to consider. Feel free to discuss your ideas with your funeral director. Together, you can come up with a funeral arrangement that not only meets your budget but is a fitting tribute to your loved one.
  • Floral Arrangements
  • Services Arrangements
  • Musical Arrangements
We stress to each family the need in explaining the subject of death to younger children. This is accomplished by visiting with the children along with books and videos to help explain what will happen as well as answering questions they may have at that time. Visiting is done before the children go to view their loved one or funeral service. We often encourage the children to tour our facility and take similar steps their parents did in making the arrangements. To our staff, little children with broken hearts have very real needs. They have a need for a greater understanding on the subject of death. We want to help you provide this information to them.

In this section

Our Services

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Traditional Full Service of Funeral Home and Staff

This service includes embalming, services of Funeral Director and staff, embalming, the use of the facilities at our Funeral Home, Church or other location, the use of the facilities for visitation, the transfer of remains to the funeral home, committal at Graveside or other location, thank you cards, memorial register book and memorial folders and the necessary automotive equipment. Your floral tributes will be displayed. You are encouraged to bring in photographs and other memorabilia to further personalize your service.

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Graveside Service with Visitation

A graveside service that is held at the burial site is one of several service options. It also includes the services of the funeral director and staff, embalming, the use of the facilities for visitation, funeral coach, thank you cards, memorial register book and memorial folders.

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A personalized memorial service can be held in our Funeral Home Chapel or a location of your choice.

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Traditional Cremation with Rental Casket and Services

Holcombe Funeral Home offers a variety of Cremation Services to fit your needs. Included are the services of the funeral director and staff, embalming, use of the facilities and staff for funeral service at our funeral home, use of the facilities for visitation, rental casket, cremation container, cremation fee, thank you cards, memorial register book and memorial folders.

Other Services Include:

  • Immediate Burial
  • Forwarding Remains to Another Funeral Home
  • Receiving Remains from Another Funeral Home
  • Direct Cremation

© 2022 Holcombe Funeral Home, Inc.. All Rights Reserved. Funeral Home website by CFS & TA | Terms of Use | Privacy Policy | Accessibility


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Try To Survive The Woods in New Horror Thriller, ‘Dark Was The Night’ in Theaters this July

Dark Was The Night image

This is a film I think you’re all going to want to check out as an evil as old as man haunts the woods in Dark Was The Night from director Jack Heller (Bad Milo). The film will be released into limited theaters and VOD on July 24th from Image Entertainment. Read on for all the details on this old-school horror film.

From The Press Release

Look for Dark Was The Night IN THEATERS, ON VOD AND iTUNES: July 24, 2015

DIRECTED BY: Jack Heller

WRITTEN BY: Tyler Hisel

CAST: Kevin Durand, Lukas Haas

Plot Synopsis

Maiden Woods is a remote and quiet town of decent hard-working people, but something stirs in the dark woods surrounding this isolated community. After a logging company decimates an area of the forest, a rash of increasingly violent and unexplainable events transpires. Sheriff Paul Shields (Kevin Durand) and his deputy (Lukas Haas) struggle to confront their own personal demons while facing down a new breed of raw terror that is possibly older than humanity itself… And much, much hungrier.

Watch the trailer here,

Dark Was The Night image 2 Dark Was The Night image 3 Dark Was The Night image 4 Dark Was The Night image 5 Dark Was The Night image 6 Dark Was The Night image 7 Dark Was The Night image 8 Dark Was The Night image 9 Dark Was The Night image 10Dark Was The Night

Written by Michael Juvinall

I am a Horror journalist, producer, ravenous Horror fiend, aficionado of the classic Universal Monsters, Hammer Horror, Werewolves, and all things Horror.

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PinnacleHealth has completed the acquisition of four Pennsylvania hospitals along with their associated assets from Community Health Systems (CHS).

The acquisition became effective from 01 July after receiving all necessary regulatory approvals.

The acquired hospitals are Carlisle Regional Medical Centre, Carlisle; Heart of Lancaster Regional Medical Centre, Lititz; Lancaster Regional Medical Centre, Lancaster; and Memorial Hospital of York, York.

PinnacleHealth president and CEO Philip Guarneschelli said: “We are now one system with a shared goal of better health for all.

“Our cultural alignment and shared focus on making communities healthier will allow us to transform healthcare delivery in this region.

“We are pleased to welcome our new employees, physicians and partners and look forward to working together to continue investing in the communities we serve.”

All the acquired hospitals will continue to maintain its current name with all signage and communications until further notice.

But the hospitals have assumed PinnacleHealth’s charity care policies and non-profit status including its mission, vision and values.

With the acquisition now completed, PinnacleHealth is expected to grow its healthcare services and provide advance quality care to the communities in central Pennsylvania.

Guarneschelli added: “Bringing these hospitals into PinnacleHealth’s network is a significant opportunity for us to serve more communities, achieve our mission of providing the highest quality care and increase access to care across the region.”

Currently, PinnacleHealth owns and operates seven hospitals employing more than 8,000 employees and 1,435 total medical staff members.

It also operates 132 outpatient and ancillary facilities.


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Concept: American cloud-based digital solutions provider for banks and credit unions Alkami Technology announced that its domestic client, Abnb Federal Credit Union has launched the BioCatch Solution through the Alkami Platform. It employs fraud mitigation technology to safeguard its users against cybercrime and fraud attacks. The collaboration with Alkami enables financial institutions to protect their vulnerable clients while ensuring a better digital user experience.

Nature of Disruption: The BioCatch solution analyses mouse movements, typing cadence, and screen interaction to identify risk throughout the account lifecycle, beginning with account creation and continuing throughout each online session. BioCatch detects and alerts the financial institution to genuine or fraudulent behavior by using machine learning to generate a risk score. The technology ensures that account holders have a secure and seamless digital experience while lowering the risk to financial institutions. With the addition of BioCatch, ABNB will be able to better protect their users in real-time against threats such as account takeovers, mule account detection, social engineering scams, and fraudulent account opening.

Outlook: Security and fraud prevention are primary concerns for financial institutions across the country. The steady increase in ABNB users’ mobile and online banking usage over the last two years has resulted in a corresponding increase in fraudulent activities. BioCatch contends that no financial institution should be obligated to accept increased fraud risk to provide a premium customer experience, and noticed that the most advanced fraud attacks make no distinction based on size, stature, or location. So, ABNB can provide its members with a world-class online banking experience while protecting against the latest fraud attacks before funds are lost by leveraging machine learning and anti-fraud mitigation technology.

This article was originally published in


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Free WiFi

The Surf House

Free Cancellation Book more than 2 days in advance for Free Cancellation.

820 Total Reviews
Perfect Location
Superb Staff
Fantastic Cleanliness

Property Description

The Surf House is 100 metres from the Main Beach in Byron Bays town centre is our premium and affordable accommodation & rooftop bar.

The propertys quality private ensuite rooms and unique shared rooms make it a perfect choice for couples, friends or solo travellers looking for a Byron getaway. Together with a prime rooftop bar, the best eateries at your doorstep, and the beach mere minutes away, this accommodation is an ideal base for a coastal escape.

Accommodation and Bar
Having recently undergone a major refurbishment, rooms boast a beach-chic design that set the scene for your relaxed, sun-soaked holiday ahead.

Private rooms come with the option of an ensuite, TV, bath towels and your own balcony to enjoy a sundowner. If you are coming to Byron with friends or as a solo traveller, then our spacious shared rooms are a top option, with individual secure storage and linens provided.

Sitting atop the property, is our rooftop bar. This open-air area is complete with, artisan rugs and textiles, coastal-style umbrellas, and trinkets sourced from travels around the world. It is the perfect place to take in a balmy evening with friends, over local Byron Bay brews and freshly made pizzas.

Rest comfortably knowing we are based in the centre of the very best that Byron has to offer. If you are coming for the surf and sea, its a quick 100m walk to the Main Beach and free surfboards are available to all guests. If its Byrons food and bar scene that interests you, our doors are moments away from the likes of Bayleaf Cafe, Miss Margarita, The Balcony and Combi. Our prime location makes this one of the best affordable accommodation options in Byron Bay.

Undercover parking is available for guests against a little charge of $10 per day. Providing the freedom for those arriving by car to enjoy day trips to the wider Byron hinterland. Arriving by plane? Our accommodation is a convenient, quick walk from the airport shuttle drop-off point.

Reviews & Ratings

820 Total Reviews
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  • Value for Money
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Latest Reviews

Nov 16, 2022
One of the best hostels we've stayed in on our tour of the East Coast. The staff were so friendly and very helpful, answering all our questions and giving us loads of recommendations. The rooms, kitchen, and bathrooms were very clean and it was in an excellent location. I couldn't recommend this hostel enough.
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Female, 18-24
Nov 11, 2022
Very clean, very big, huge well equipped kitchen, lovely staff and amazing location. Wasn’t a very good common area, no where comfy to hang out or have a rest.
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Female, 18-24
Oct 31, 2022
Its really good, stay here if you can
show more
Female, 18-24

  • Free

    • Linen Included
    • Free City Maps
    • Towels Included
    • Free WiFi
    • Free Internet Access
  • General

    • Wheelchair Friendly
    • Security Lockers
    • Key Card Access
    • Common Room
    • Elevator
    • Bicycle Parking
    • BBQ
    • Breakfast Not Included
    • Air Conditioning
    • Book Exchange
    • Hot Showers
    • Self-Catering Facilities
    • Cooker
    • Fridge/Freezer
    • Utensils
    • Dryer
    • Outdoor Terrace
    • Reading Light
    • Jobs Board
    • Hair Dryers For Hire
    • Parking
    • Ceiling fan
    • Iron / Ironing Board
    • Microwave
    • Washing Machine
    • Covid-19 safe
  • Services

    • Internet access
    • Laundry Facilities
    • Towels for hire
    • Luggage Storage
    • Tours/Travel Desk
    • Shuttle Bus
    • Internet café
  • Food & Drink

    • Bar
    • Meals Available
    • Cafe
    • Tea & Coffee Making Facilities
  • Entertainment

    • Board Games
    • Pool Table
    • Wi-Fi


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Knightsbridge's House Clearance

Knightsbridge White Goods Recycling Service

Choose our white goods recycling SW1, electronic recycling Knightsbridge, Knightsbridge appliances removal, SW1 electronic equipment disposal, Knightsbridge white goods reuse SW1, Knightsbridge disposal of white goods, white goods removal Knightsbridge SW1 and save money, time and effort!

Not many SW1 companies can afford to use their premises as a storehouse for broken waffle iron, old air conditioner and broken refridgerator and if you’re striving to get free of the clutter, contact our Knightsbridge electronic recycling crew without delay.

In Knightsbridge House Clearance has the ability to deliver old dishwasher pickup in the safest manner thanks to our flexible shift patterns and our comprehensive and proved recycling assistants can deal with any kind of property.

Waste clearance is included in the price you pay, which will be very low.

Recycling White Goods in Knightsbridge, SW1 is Our Specialty

For professional electronics recycling SW1, electronics recycling SW1, Knightsbridge white goods disposal, SW1 disposal of white goods, Knightsbridge electronic equipment disposal SW1, Knightsbridge electronic equipment disposal, white goods disposal Knightsbridge SW1 contact us!

There are some clearance crew in the areas of SW1 area who will not bother to take on small appliances removal tasks such as appliance recycling; as we consider every service offered as an important service, we never turn any clearance requests down.

As a result we have also made sure to adjust or rates accordingly.

Our helpful white goods recycling workers are waiting for you to phone us on 020 3743 8654 and reserve an appointment. We are ready to assist with whatever electrical goods collection and electronic recycling services you may require to have done in Knightsbridge.

Dial 02037438654 Now and Save Big with Our House Clearance Services

Get the best White Goods Disposal in Knightsbridge, SW1

SW1 white goods recycling Knightsbridge

If you need expert help and advice on electronics recycling or white goods recycling in Knightsbridge, hire our appliances removal company.

Our excellent workers can help you pick and choose the items you need to get rid of and take them to a waste disposal point or to a charity store if you prefer.

We boast a helpful staff who provide small electrical items recycling, tv recycling and disposal and scrap metal recycling at attractive prices. And along with the other electronics recycling services we supply broken dishwasher removal, broken bread machine recycle and old chest freezer disposal as well.

The Best Quality of Disused White Goods Clearance in Knightsbridge, SW1

Searching for old kitchen counter clearance, broken air conditioner collection Knightsbridge, old washing machine recycling, old oven clearance SW1, broken microwave oven collection, old cooker recycle Knightsbridge, broken ice machine pick up, broken refridgerator disposal, broken bread machine disposal SW1, old chest freezer collection or old drying cabinet removal? Get in touch with us on 020 3743 8654!

fridge freezer collection Knightsbridge

When it comes to electronic goods recycling in Knightsbridge then you cannot go wrong with our electronic recycling specialists.

We understand the difficulties of maneuvering couches and armchairs through tight hallways and downstairs and our skilled workers have the experience and knowledge to perform these difficult tasks expertly and successfully.

Don’t struggle alone with your collection of white goods in SW1 area because no job is too big or too small for our capable crew. Simply call us right now on 020 3743 8654 to find out exactly how little it could to take care of your disposal of white goods tasks.

Recycling Company in SW1 that Knows how to best Take Care of your White Goods

Wave goodbye to disused possessions like broken bread machine, old cooker, old freezer, old oven, domestic appliances, broken iron, old toaster, domestic appliances, broken iron, broken waffle iron, old drying cabinet, broken dishwasher, old chest freezer!

We offer Knightsbridge appliance recycling, appliances removal, appliances recycling SW1, white goods disposal, discarded appliance clearance Knightsbridge, electronic goods recycling, electrical goods collection, e-scrap removal, appliance recycling in SW1, office appliances recycling, rubbish removal operator, old stoves clearance, man and van rubbish removal, price list for junk removal across Knightsbridge, electronic equipment rubbish clearance, tv recycling and disposal.

Knightsbridge recycling expert SW1

Before booking a company for Knightsbridge appliances removal services, bear in mind that the cheapest is not usually the best.

Not all white goods reuse services are covered by sufficient liability insurance in the event of any unforeseeable accidents.

Our white goods removal company is fully insured and we deal with all discarded appliance clearance in the safest manner, giving you confidence in our services. Much of the work of our professionals comes from word of mouth and recommendations which we believe speaks volumes. Our white goods disposal services are available throughout SW1 and although we offer them at affordable prices we never compromise on quality.

We also offer:

  • SW1 electronic waste dump Knightsbridge
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What Is Decaffeinated Coffee?

Learn what decaffeinated coffee is from the experts at Third Rail Coffee in this Howcast video.

My name is Mike Jones, and I'm a barista at Third Rail Coffee right by Washington Square Park in New York City. I'm going to teach you some basic coffee-making skills.

What is decaffeinated coffee? Decaf coffee actually still has some caffeine in it. Definitely less, to a significant amount, than you know, regular caffeinated coffee, but it still is there. So if you have a severe caffeine intolerance, I just wouldn't touch it. And it's also kind of strange how it happens. There are a few different ways, either by just soaking it in water or adding some solvents but you actually remove the caffeine from the beans. More specifically you remove everything from the beans. The flavor, the different oils and caffeine. Once you have that in a water mixture, you take out the caffeine by some advanced scientific process that I can't speak to you. And then you impart that flavor back into the beans without the caffeine in it. It definitely takes out a little bit of flavor that you would want to be there. And this is all done by second party companies, not the roaster nor the farm. Lots of times a roaster will buy a lot of coffee from a farm and send some off to be decaffeinated and then shipped back to them. So you can have decaf espresso, you can have regular decaf coffee. And if you make it fresh to order, it can still be very rewarding. What's kind of exciting is in recent years there have been, at least in Brazil, farms trying to genetically alter coffee so that it can be grown with little to no caffeine. Right now it's kind of prohibitively expensive, but it will be interesting to see in the future what happens with that.

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Why does mint taste ‘cold’?

I’m sure we have all experienced the ‘cool’ sensation induced by
eating a mint at some time or another, and the reason why this happens is due to the active ingredient called menthol.

When we perceive something to be hot or cold, this is due to electrical signals from the nerves which come into contact with the hot or cold ‘thing’. Our brain then interprets these electrical signals as instructions such as – ‘that is hot, don’t touch!’ or ‘that is cold’.
Mints usually contain an active ingredient called menthol. Menthol has the ability to affect the pores on our nerve cells which changes the electrical activity of the cell. This change in electrical activity corresponds to the same change that would take place if something cold came into contact with the cell. The cell interprets the change in activity due to menthol as a change in temperature and sends that information to the brain.
This accounts for the ‘coldness’ which we experience when eating a mint.


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How many albums of The Grateful Dead are there?

The Grateful Dead is one of the oldest rock bands in the world. They were formed in 1965. Their music genre is eclectic. It’s possible to see inspirations from lots of genres like jazz, space rock, folk and reggae. Their lyrics are mostly psychedelic. They are in the 57th for the Rolling Stones’ “The Greatest Artists of all Time” list. Their fan group is called as “Deadheads” and group is one of the most active and powerful fan groups in the world. They were lastly seen on “The Dead and The Other Ones” tour. How many albums of The Grateful Dead are there?

The Grateful Dead released 13 studio albums and they totally added songs to 135 albums. First album “The Grateful Dead” is released in March 1967. According to bassist Phil Lesh, album’s real name was “San Francisco’s Grateful Dead” but the “San Francisco’s” part was unreadable because of problem in cover design and typography. Group worked with popular producer David Hassinger because he was the power between groups like Rolling Stones and Jefferson Airplane. Album rereleased many more in time. There were three singles from album as “Good Morning Little School Girl”, “Sitting on Top of the World” and “(Walk Me Out in the) Morning Dew”.
Second album “Anthem of the Sun” is released in 1968. It was the first album called as “The Grateful Dead’s masterpiece”. Rolling Stone added album to its “the 500 greatest albums of all time” list in 2003. Album’s production period was chaotic because of new recording environment and release researches. Also group members tried to add new music tools like gyroscope to recording and collaboration of them took time. But this period helped group to catch a unique sound. Album’s most important event was first entrance of Robert Hunter’s lyrics to The Grateful Dead albums.

“Aoxomoxoa” is the third album of The Grateful Dead. Producers announced album’s title as “Earthquake Country” but then it changed to “Aoxomoxoa” at last minute. Group fans call this era as the most experimental period of group on searching their style and sound. It was the first release of group’s traditional album cover ambigrams and it was possible to read the group name as “”we ate the acid”. Also group members placed lots of fallic objects to cover. It was also strange that Courtney Love was appearing in album’s back cover at five years old. Group released “Live/Dead” album in the same year.

Group was the leading topic in music magazines and gaining new fans every moment. In this period group released “Workingman’s Dead” album. It was a hit album again and denied the writers that wait a fall from group’s new album. Rolling Stones added album to the “500 greatest albums of all time” list. It’s possible to feel strong influence of lyricist Robert Hunter in the whole album. Album released two singles as “Uncle John’s Band” and “Casey Jones”.
Group surprised its members on same year with “American Beauty”. It was possible to feel the coming folk and country music influences of group from last albums but no one was waiting such pure folk album from them. Rolling Stone added album to its “the 500 greatest albums of all time” list. There was again an ambigram in album cover and it was possible to read “American Beauty” as “American Reality”. Some fans never liked album because of its “too much touched” studio sound. Leading song of album was “Friend of the Devil”.
Group also released lots of popular albums like Wake of the Flood, From the Mars Hotel and In the Dark.

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HP 912 4-pack Black/Cyan/Magenta/Yellow Original Ink Cartridges (6ZC74AE)

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Margaret E. Kruk

Margaret E. Kruk, MD, MPH is Associate Professor of Global Health at the Harvard T.H. Chan School of Public Health.  Dr. Kruk’s research generates evidence for improved health system quality and responsiveness in low- and middle-income countries.  She is interested in the intersection of user expectations and health system performance.  She has published on health care utilization and quality, population preferences for health services, universal health coverage, and health system resilience.  Dr. Kruk uses implementation science methods to evaluate complex health system initiatives.  She collaborates with colleagues in Tanzania, Ethiopia, Liberia, and India, and other countries.

Dr. Kruk is Chair of the Lancet Global Health Commission on High Quality Health Systems in the SDG Era (HQSS Commission).  She previously served as Commissioner on the Lancet Global Health 2035 Commission on Investing in Health and currently serves on the National Academy of Medicine Committee on Health System Strengthening. Prior to joining Harvard, Dr. Kruk was Associate Professor of Health Policy and Management and Director of the Better Health Systems Initiative at the Columbia University Mailman School of Public Health.  She has held posts at the United Nations Development Program and McKinsey and Company and practiced medicine in northern Ontario, Canada.  She holds an MD degree from McMaster University and an MPH from Harvard University.

Listen to Dr. Kruk discuss her goals for the Commission by clicking here.


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What employers need to know about pay equity

'The most important thing right now is for employers to be aware of key milestones to ensure they're not missing a deadline'

What employers need to know about pay equity

New pay equity rules for federally regulated businesses took effect Nov. 1 – so what should employers be thinking about to be compliant?

“The federal Pay Equity Act is quite process-heavy and there’s key milestones that are associated with specific dates that employers have to be aware of,” says Wendy Glaser, director of pay equity at KPMG Canada in Toronto.

“The most important thing right now is for employers to be aware of those key milestones to ensure that they’re not missing a deadline.”

By Nov. 1, employers were required to “post a notice to all of their employees informing them of the employer’s obligation to create a pay equity committee and develop a pay equity plan,” says Glaser.

The second big deadline will be in 2024, she says.

“Employers have those three years between 2021 and 2024 to create their pay equity plan… [by] Sept. 3, 2024. They have to post their final pay equity plan, and then begin compensation increases on the next day on Sept. 4, which is third major milestone.”

Within that time frame, a number of steps have to be completed, says Glaser

“Those steps are to classify all of the jobs within the company; to calculate total compensation; to determine a gender predominance for every job class; to evaluate all of the job classes using a gender-neutral job evaluation system or tool to analyze female- and male-dominated jobs; to identify the increases that are required for your female-dominated position; and then of course, to actually do the compensation increases.”

And there’s no sense delaying the process, says Paola Accettola, principal at True North HR Consulting in Collingwood, Ont.

“If you leave it, it will just keep getting bigger and bigger. It gets complicated when you have many unique jobs. [But] it’s not as complicated [if, for example] you’re a call centre or you are a retail location where you might have three unique roles; then it’s actually quite simple to do the pay equity exercise.”

For a more detailed overview of the pay equity requirements, Canadian HR Reporter also spoke with legal experts earlier.

Documentation key to process

As part of the examination, delineating a structure of compensation is a key step, she says.

“If you have job grades and you have a structure in compensation, it inherently will help you to avoid getting into the trap of gut-feel type decisions but most employers need to have a structure in place.”

There is some room for variance, but employers should “have a really good, documented understanding of why you’re making that concession for the individual,” says Accettola.

“If a pay equity commissioner were to walk through the door, [can you] explain why does this male make more than the female counterpart? There may be very good reason for that and that’s fine.”

Documenting the progress is key to ensuring the pay equity commission is satisfied, says Glaser.

“In addition to that, there are annual statements that have to be submitted to the pay equity commissioner stating you’re in compliance with pay equity laws and, of course, the pay equity commissioner is allowed to come and ask questions about your equity plan or ask to see your pay equity plan. It’s important that employers really keep good documentation on everything that they have done and all of the steps they have taken, just in case it’s ever needed to be shown.”

And for those employers found to be non-compliant, financial consequences may be forthcoming, she says.

“There could be penalties for being late in posting your pay equity plan; there could be lump-sum payments that are required in addition to retroactive payments to employees that would have been eligible for an increase. There also could be administrative penalties that are applied if an order is issued by the pay equity commission.”

Ontario nurses recently celebrated a pay equity victory, after a long court battle.

‘Ongoing process’

The process is not simply a one-time effort, says Glaser

“You can look at it as an ongoing process for employers. From a legal perspective, the entire pay equity process must be carried out every five years; however, employers who can make pay equity part of their routine annual process will find that it’s easier to carry out the analyses, and it’s easier for them to have ongoing insight into their pay equity data, and make sure that their practices remain in compliance on an ongoing basis.”

Buy-in from the top is also key in a successful implementation, says Accettola.

“The life you breathe into it, and the message behind it, has got to come from an executive level; it can’t be just the exercise of pay equity, it has to be the spirit of pay equity, which is people should be paid for their skills, period.”

That effort will be worthwhile, according to Glaser, as it is the right and just thing to do.

“There’s a reason why employers have to go through all of these steps and the spirit or the purpose of pay equity is really to redress systemic gender-based discrimination in compensation practices, and to hold employers accountable to make sure that they are achieving pay equity within their company.”

One software company recently launched an effort to solve the gender pay disparity.

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Mini ABS Magnetic Badge Attachment, Magnetic Badge Findings, Magnetic Name Tag Badges This magnetic badge attachment is clothing friendly as it doesn't cause tears or pin holes. The magnetic badge attachment has two, round, rare earth magnets. The magnets of the HSMAG magnetic badge attachment are encased in plastic and come with one zinc-plated steel [...]

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Magnetic Woker NameBadges 45x13x6mm Name: Magnetic Woker NameBadges, Magnetic Name Badge, Magnetic Name Tag Holder Material: NdFeB magnet+ Steel Size: 45x13x6mm with 2PCS Magnet D9x2mm Nickel coating The Magnetic Badge holder could be customized, there are also many standard models in company: Packing information: 100PCS/box 8boxes/Caton Carton size: 32.5*27*14.0CM G. W. /N. W. = 10.6/9.6KGS [...]

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House flipping is a risky business for people that don’t know anything about the housing industry. If you are interested in house flipping here are some tips that can help you ease into the business.

Since the early 2000’s, house flipping has become a lucrative and trendy way to turn a profit. It’s no wonder why so many people are looking to enter this business when the average profit off a flip is around $60,000. However, where there are big profits there are even bigger risks. Read below for some of the top mistakes people looking to get into this business make.

No Money

Real estate is an expensive business to get into. It requires a lot of cash up front to buy the home and cover remodeling expenses. Keep in mind that whatever you spend has to be added to what you sell the house for just to break even. Easier said than done. You can buy the home without having the cash on hand, but that requires financing and paying interest. All while also paying any holding costs for the property during the remodel. That’s why it is best to flip the home as soon as possible.

No Time

Flipping a home takes a lot of care, time and attention. It takes months to find the right home to buy, then remodel and then to find a buyer. Don’t forget to factor in the time for inspections and correcting anything that needs to be fixed. If home doesn’t sell for mush to begin with you could be making closer to the salary you were making at your desk job beforehand.

No Experience

It is best to enter this line of business if you are skilled at the tasks you will be doing. You will be buying and selling homes so many house flippers are real estate agents. You will need to remodel the home and do some professional carpentry, woodwork or plumbing so many house flippers are skilled in these industries. If you have to pay professionals to do all of the work, rather than being able to do it yourself, you will be spending a large chunk of your profit.

No Patience

Professional house flippers take their time finding the right home to buy, do the remodel work themselves or rely on contractors they know and have worked with before, and sell the home themselves. Newbies will buy the first home they find and hire several different people to fix it up and then use a realtor to sell it. Take a guess at which person makes a larger profit margin.

Thank you for visiting Wayne Murray’s blog, a Houston real estate team. If you are looking to buy a home in the area, contact one of our realtors today!


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21 Black Queer-Owned Brands And Designers To Support Right Now

We wouldn't have a Pride Month without the labor of the Black queer community. Here's one way to support them now.

HuffPost may receive a share from purchases made via links on this page. Prices and availability subject to change.

If you were expecting this year’s Pride Month to include glitter-filled dance parties, rainbow flags and corporate sponsorships, think again. Large cities like New York and San Francisco have canceled their in-person celebrations due to the public health concerns of the coronavirus pandemic. Pride Month also falls at the intersection of mass protests surrounding the senseless killings of Black people by police, which only compounds for Black queer and trans people who continue to face day-to-day violence at the hands of those who are homophobic and transphobic.

<a href="http://transisbeautiful.storenvy.com/" target="_blank" role="link" class=" js-entry-link cet-external-link" data-vars-item-name="Trans Is Beautiful Apparel" data-vars-item-type="text" data-vars-unit-name="5ede7377c5b6344a86baddce" data-vars-unit-type="buzz_body" data-vars-target-content-id="http://transisbeautiful.storenvy.com/" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="article_body" data-vars-subunit-type="component" data-vars-position-in-subunit="3">Trans Is Beautiful Apparel and <a href="https://www.blkmktvintage.com/collections/frontpage" target="_blank" role="link" class=" js-entry-link cet-external-link" data-vars-item-name="BLK MKT Vintage" data-vars-item-type="text" data-vars-unit-name="5ede7377c5b6344a86baddce" data-vars-unit-type="buzz_body" data-vars-target-content-id="https://www.blkmktvintage.com/collections/frontpage" data-vars-target-content-type="url" data-vars-type="web_external_link" data-vars-subunit-name="article_body" data-vars-subunit-type="component" data-vars-position-in-subunit="4">BLK MKT Vintage are just two of the brands featured below.
Trans Is Beautiful Apparel and BLK MKT Vintage are just two of the brands featured below.

Acts of violence aren’t new ― they’re continued symptoms of the abuse of power at the intersections of race, class, sexuality and gender. Pride itself started as a revolution, a series of riots and demonstrations led by queer Black trailblazers such as Stormé DeLarverie and Marsha P. Johnson in response to a police raid at Stonewall Inn in Greenwich Village, New York, on June 28, 1969. We would not have a Pride Month, the modern gay rights movement or the Black Lives Matter movement without the labor of the Black queer community.

Black queer people have consistently put their lives on the line for social change while being misrepresented, underrepresented and underserved across the board ― in business, employment and quality of life. According to the 2016 National Gay and Lesbian Chamber of Commerce (NGLCC), which houses a registry of LGBTQ businesses, 80% were owned by caucasians, while only 4.3% were owned by African Americans. Furthermore, only 2% of the LGBTQ businesses registered were owned by transgender business owners. According to the National LGBTQ Task Force, transgender people are four times more likely than the general population to make less than $10,000 per year. This isn’t a coincidence, but a clear indication that one’s ability to thrive can directly be correlated to the disparities created by racism, capitalism, homophobia and transphobia.

Despite the odds, Black queer businesses exist and need your solidarity more than ever. You can do more to directly support them by purchasing their products, giving them donations, offering resources or sharing their businesses through social media. If you’re unsure of where to turn, here is a list of 21 Black queer-owned businesses to get you started.

No Sesso, which means “no sex/no gender” in Italian, is a community-driven brand founded by Pierre Davis.

“No Sesso is a brand that has strived to challenge fashion conventions and blur the lines between fashion, art, culture and design,” Davis told HuffPost. “Our pieces are made for every body and every identity and we aspire to empower people of all colors, shapes and identities through our service of fashion presentations, music performances and social events that push our community into new spaces in the fashion and cultural conversation.”

No Sesso made headlines when it became the first transgender-owned line on the New York Fashion Week 2019 schedule. Through her work, Davis’ goal is to have more Black queer designers involved in mainstream fashion conversations. She is thankful to be seen and heard through her platform, but knows there is more work to do in uplifting the queer community.

“There is work that needs to be done for our Black trans brothers and sisters, and we need to make sure we include queer identities when we say Black lives matter,” she said. “We need to feel safe in knowing our Black brothers and sisters stand with us and should be held accountable just as much as anyone else when it comes to the violence against Black trans bodies. Again, it needs to be known that ALL Black lives matter.”

Black Queer Magic was founded by Vanessa Miller, a self-taught jewelry artist, social worker and facilitator who is intentional about centering Black LGBTQ people in everything that her brand does.

“I donate a portion of my sales directly to Black LGBTQ people, work to provide healing in the form of therapy to the community, write blogs and research papers about the Black LGBTQ experience and teach folks how to tap into their creative process to make their own jewelry,” Miller told HuffPost.

Regarding the intersection of Pride and the protests this year, Miller said, “I refuse to choose between my Black rage, my art, and capitalism, nor do I want to be complicit in white passivity. I sell my art with the intention of it reaching people that support Black LGBTQ people in life and in death.”

As the Black, queer, women-identifying entrepreneurs behind BLK MKT Vintage, Kiyanna Stewart and Jannah Handy are in the business of “uncovering and amplifying Black historical narratives, many of which belong to queer people and communities who have made our work possible. ... We empower these stories and voices by finding and making accessible vintage Black and queer publications, photographs/archival materials, sourcing visual art by and about queer folk and articulating the cultural, historical, monetary and communal value these items hold.”

For the founders, choosing to be visible in uplifting the Black, people of color and queer communities by being intentional in their business practices was a no-brainer.

“One of the decisions queer folks have historically had to consider is the extent, to which, they live their lives ‘out loud,’” they said. “We’ve chosen and continue to choose to be at the forefront of this work as partners in love, life and vintage. Our business is built on a network of POC, queer-identified makers, creatives and entrepreneurs fostered through community-centered partnerships and collaborations.”

A Tribe Called Queer was created because Sabine Maxine wanted to create everyday T-shirts that had an important message.

“I wanted people, specifically Black women and queer people of color, to wear my T-shirts and make a statement without having to say a word,” Maxine said. “People need to support Black queer brands every single day, not just during Pride! Every. Single. Day.”

Being a Black queer designer during this time means everything to Maxine as a Black, Latinx and Native queer femme.

“I ask myself every day, what have I done to contribute to this movement and my community? I ask myself when thinking of designs, what message do I want to get across? What do non-Black queer people need to learn?”

A portion of proceeds from the line will be donated to organizations such as Black Lives Matter and ProjectQ, a 501(c)(3) nonprofit organization that provides free gender-affirming haircuts, self-empowering workshops, clothing, food hygiene boxes, internships, job placement, mentorship and so much more, to LGBTQ and homeless youth.

Pyramid Seven LLC, founded by Zipporah Jarmon, makes boxer briefs for periods, not gender. The company was created to answer the lack of recognition of menstruators who don’t wear feminine underwear or identify as women.

“Our mission is to provide gender-affirming underwear to menstruators while giving a voice to underrepresented communities, broadening the conversation on menstruation,” Jarmon said.

Based in Chicago, Illinois, Pyramid Seven prides itself on being customer-oriented and using its platform for education and social good. For this brand, Pride doesn’t exist only in June and drives the point that support for the Black and queer community must to be intersectional.

“Many non-Black queer folx are unaware that only part of Black people’s identity is celebrated during Pride Month, while the other part is under constant threat,” Jarmon said. “This month, it’s more critical than ever for us to assist in supporting Black lives and speaking out against the continuous and systematic violence against Black bodies.”

Stuzo Clothing is a gender-free clothing brand designed to push the conversation forward through fashion. “For us it’s about affirming our existence as humxn beings,” said co-founders Uzo Ejikeme and Stoney Michelli Love.

Stuzo Clothing’s products aim to empower those that wear their clothing, offering a sense of belonging and solidarity.

“Our products empower and remind our community that we are stronger together. That we are stronger than we know ourselves to be due to the systemic oppression of people that do not fit into the binary world that we have lived in.”

Additionally, the co-founders ensure that they give back to the community and are inclusive in their hiring practices.

“We directly work with the LGBTQIA center’s youth here in Los Angeles by employing them ― 95% of people we work with and hire are from our communities and are mostly Black, queer and non-binary.”

Founded by Zizi Nicole, Nicole Zizi Studio is a brand focused on eco-consciousness, sustainability and innovation in creating gender-free premium streetwear and accessories. Its line includes T-shirts, sweaters, denim jackets and trench coats made out of recycled plastics.

Telfar is a unisex brand established in 2005 by Telfar Clemens. Its iconic shopping bag is hailed as an affordable status symbol in the fashion industry. In the past, Telfar has used a portion of its funds to bail hundreds of youth off of Rikers Island, in New York City.

Coco and Breezy Eyewear was founded in 2009 by twin designers, DJs and producers Corianna and Brianna Dotson. Coco and Breezy have designed eyewear for the likes of Prince and brands like Hershey’s, Ciroc and SIX:02.

Makoma The Brand is a global fashion fusion with African inspiration founded by Judith, co-owner and hairstylist of Chokmah Hair Lab, an inclusive salon and barbershop in Brooklyn, New York.

Gaia Earthpeace seeks to inspire the awareness that art can change the consciousness of a people. The designer’s line of products includes jackets, T-shirts and anoraks. Earthpeace is a master barber, producer, rapper and the other co-owner of Chokmah Hair Lab (see Makoma The Brand, above).

Phlemuns is a unisex clothing brand founded by gender-bending fashion designer James Flemons, who has collaborated with the likes of Solange Knowles, particularly on creating a two-piece outfit for her “Don’t Touch My Hair” video.

Afronautic sells masks on Etsy, like this one, for $12 apiece.
Afronautic sells masks on Etsy, like this one, for $12 apiece.

At the start of COVID-19, Liselle (aka Afronautic) decided to create and sell masks on Etsy with this mantra in mind: “Be the person that will never hesitate to help someone in need.” You can purchase the brand’s masks in a variety of colors and styles.

Two Minds Press, founded by a queer woman of color named Felicia, is a Philadelphia-based silkscreen press making handprinted apparel, accessories and prints.

Kris Harring designs genderless evening wear and tailored basics that can transition from day to evening. The label’s designs merge the worlds of menswear and womenswear with subtle ease and versatility.

Created in 2008 by Toni Branson, Style Is Freedom is a clothing brand with the purpose of liberating and celebrating tomboi culture through fashion. Branson is not only a streetwear designer but a facilitator determined to create safe spaces in fashion for masculine-identifying women.

Founded by Devin-Norelle, Trans Is Beautiful Apparel is a clothing brand that donates funds to trans folks for everyday living expenses, including but not limited to bills, hormones, ID or passport gender marker changes and/or name changes.

Bowtie Behavior was created by Robin Williams, who was searching for bow ties for a tie-themed bridal shower in 2014. With no formal education in fashion or design, they learned how to sew their own. Bowtie Behavior features a line of bow ties and pocket squares made from kente cloth and other colorful materials.

The Proper Bunny, created by costume designer, stylist and artist Oneita Parker, sells fun, artful, comfortable, washable, double-layer face masks, graphic tees and mugs.

Destinee Macklin hoped to create a fashion line called Devarcia, named after her father, who was killed in an armed robbery when she was 11 years old. But with the onset of the COVID-19 pandemic, she switched gears into making masks. She lives with debilitating pain due to complex regional pain syndrome after being struck by a truck in 2018 while on duty as a patrol cop. The brand’s cut-and-sew designs are bright and bold, with many pieces made from kente cloth and floral materials.

Show and Tell Concept Shop, founded in 2011, is a platform for unique, vibrant, inclusive style and features indigo-dyed head wraps, masks, T-shirts, pillows and bowls. Founded by a Black queer womxn named Alyah, Show and Tell believes in socially responsible practices, authentic self-expression and the radical acceptance and celebration of people of color, LGBTQIA+ folks, women and other marginalized communities.

Before You Go

Island Tribe Lily Tie Dye Mask and Scrunchy, $35

Masks From Black-Owned Businesses


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Will Immigrants Destroy Our Freedom?

Early evidence indicates that immigrants are more likely to enhance our economic institutions than they are to destroy them.
This post was published on the now-closed HuffPost Contributor platform. Contributors control their own work and posted freely to our site. If you need to flag this entry as abusive, send us an email.

A fresh vegetable imported from Mexico cannot protest, demand social services, or vote. But a migrant worker from Mexico who tends vegetables on a U.S. farm might someday do all three. Is this a legitimate cause for concern? Many Americans worry that immigrants from poorer countries, like Mexico, might eventually undermine the very freedoms that created the prosperity that has attracted them to the United States. But new evidence casts doubt on these fears.

Louisiana Governor Bobby Jindal (R) echoed the sentiments of many when he recently said of immigrants, "in many ways you're looking at folks that want to come and, in some ways, they want to overturn our culture--they want to come in and almost colonize our countries." George Borjas, a Harvard economist and an immigrant from Cuba, shares this fear.

In a recent paper, he worries that large-scale migration could undermine institutional quality in the United States such that it starts to resemble that of the poorer countries that many immigrants have left behind. In turn, this predicted transformation could "easily turn a receiving country's expected (static) windfall from unrestricted migration into an economic debacle."

One truth, however, shows the fallacy of that idea: The economics of international trade in labor (immigration) is not fundamentally different than that of trade in goods. Exchange in each type of market allows for greater specialization that boosts productivity and creates economic windfalls for both trading partners. The fear is that immigrants might also bring non-economic baggage that undermines the economic freedoms that make us productive and prosperous.

There is some merit to these fears. The U.S.-based General Social Survey reveals that immigrants tend to hold more anti-market views than the native-born population. However, the magnitude of the difference is small.

Immigrants also influence the policy views of the native-born population. Many academic studies have found that increased immigration tends to make the native-born population less receptive to having a large welfare state.

The question of how immigrants might influence institutions is ultimately an empirical one. Two recent studies shed light on the question.

In the first study, economists Zach Gochenour and Alex Nowrasteh looked at how immigration to the various U.S. states from 1970 to 2010 influenced government spending on welfare, K-12 education, Medicaid, and unemployment insurance. They found that immigration did not influence total expenditures or per-capita expenditures in any of these categories. In short, immigration had no net effect on the size of the welfare state.

In the second study, I, along with four co-authors, ask the question: Does immigration impact institutions? Our approach involved analyzing data from more than 100 countries, including some that varied widely with respect to immigrant populations. Some had virtually no immigrants, whereas others had immigrants comprising as much as 77 percent of their population.

We measured institutional quality using the Economic Freedom of the World Annual Report, which employs a much broader measure of institutional quality than just the size of the welfare state. It includes private-property protections, regulation, sound money, and freedom to trade internationally, in addition to the size of the government.

We analyzed how the beginning stock of immigrants in 1990, accumulated over prior decades, influenced the change in economic freedom between 1990 and 2011. We also examined how the flow of immigrants impacted freedom over that same timespan.

No matter what other variables we included in our statistical analysis, we never found that greater immigration decreased economic freedom. To the contrary, we frequently found that a larger stock or flow of immigrants increased a country's economic freedom. This finding held up even when we focused only on immigrants from poorer countries.

The consensus view of social scientists who study immigration is that immigration creates net gains for the world economy, the immigrants themselves, and native-born persons in destination countries. Much less is known about how immigrants might impact a destination country's economic institutions. But early evidence indicates that immigrants are more likely to enhance our economic institutions than they are to destroy them.

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Taking Ownership of your Career

When Sep 15, 2021
from 12:30 pm to 01:30 pm
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Wednesday Lunchtime (09/15, 12:30 – 1:30 pm): Taking Ownership of Your Career

Does career feel like a challenge? Are you overwhelmed by the pressure to get it right? Do you wish you had more control over the process rather than constantly feel at the mercy of it? You’re not alone. Feeling this way is more common than you might think. In this session of the Human Approach series led by Tanuja Ramchal, we’ll unpack how to address your biggest challenges and step up as a leader in your career so that you're not settling and selling yourself short.

Registration Link:  https://baruch.zoom.us/meeting/register/tZwvdumrrT4pG9QHmfDXgejniPEjqqAtP1U4

Contact Us

e-mail: career@hunter.cuny.edu
appointments: Navigate Students

Room 805, East Building, 695 Park Avenue, New York, NY 10065


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On November 23, 2012, a German data protection working group on advertising and address trading published guidelines (in German) on the collection, processing and use of personal data for advertising purposes (the “Guidelines”). The working group was established by the committee of German data protection authorities (“DPAs”) and is chaired by the Bavarian DPA.

The Guidelines focus on certain sub-sections of Section 28 of the German Federal Data Protection Act and provide details on how those provisions apply in practice. Among other issues, Section 28 addresses how data subjects consent to advertising, as well as how personal data may be processed in the absence of consent. Some of the topics addressed in the Guidelines include:

  • restrictions for address lists and whether data sets can be combined;
  • data usage periods;
  • specific rules for business-to-business advertising;
  • the duty to identify the data controller that first collected the personal data;
  • the prohibition on advertising by using address data gathered via third parties;
  • consent mechanisms (oral, written, electronic), double opt-in process and joint consents; and
  • the timeframe for implementing a data subject’s objections, and the controller’s duty to provide sufficient notice about the right to object.

The Guidelines also provide important information on how the German DPAs view certain advertising practices, and should be of particular interest not only to users of advertising by mail but also those who commission and deploy online advertising in Germany.


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Hustle Butter Deluxe - 1oz

1 fl oz container

Container Size: 1 FL OZ

Hustle Butter Deluxe Luxury Tattoo Care & Daily Moisturizing Cream is as luxurious and rich as it sounds. Developed as an all natural, petroleum replacement lubricant used in the tattoo healing process, it is the #1 rated tattoo aftercare product amongst artists and clients with amazing value when tending to swelling & skin inflammation.

In addition to being a staple in tattoo aftercare, Hustle Butter Deluxe is an ideal addition to your daily skincare routine providing instant relief to dry, cracked skin, leaving you soft and smooth day after day. Our convenient 1oz tub is perfect for travel or to carry with you during the day.

Key Features & Benefits

For Clients

  • Heals new tattoos faster
  • Rejuvenates old tattoos
  • All Natural
  • #1 Best Seller on Amazon

For Artists

  • Good for dry & irritated skin, rashes, and chaffing
  • Non-Comedogenic
  • Certified Cruelty Free
  • Phthalate Free
  • Certified Vegan
  • Will not remove stencils
  • No more petroleum build up or clogged tubes.
  • Skin remains workable: no more over-worked highlights, yellows & whites go in the first time, color never went in so easy.

What's In It

Our Hustle Butter Deluxe® vegan skin care and tattoo ointment is made from only the finest ingredients: Shea, Mango and Aloe Butters, Coconut, Sunflower and Rice Bran Oils, Rosemary Oleoresin, Green Tea, Vitamin E Complex & Mint Arvenis Essential Oil. With Essence of Papaya and Coconut.
All natural. Cruelty Free. Pure Hustle.

How To Use

Use Hustle Butter Deluxe® tattoo ointment during tattooing, and as a tattoo healing cream. Apply to skin to heal and moisturize.
Many of our clients continue to use Hustle Butter Deluxe® long after their tattoo has healed to keep their skin moisturized and healthy, and to keep their tattoo’s colors bright.

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June 2019

Editorial Comment: The true essence of optimization

What is the first thing that comes to mind when we hear the word optimization?

Nichols, Lee, Hydrocarbon Processing Staff

What is the first thing that comes to mind when we hear the word optimization? Most people tend to think about their work processes and how they can change or adapt to increase efficiency. After all, the term optimization means to make the best or most effective use of a thing or situation. But what do we mean when we think of optimization on a more macro scale? This issue of Hydrocarbon Processing revolves around the central theme of optimization. In the downstream processing industry, this equates to reviewing existing processes for improved yield, quality and efficiency. Optimizing crucial portions of your business can ultimately lead to more reliable, safer and more profitable operation

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1) Start a FREE TRIAL SUBSCRIPTION and gain access to all articles in the current issue of Hydrocarbon Processing magazine.

2) SUBSCRIBE to Hydrocarbon Processing magazine in print or digital format and gain ACCESS to the current issue as well as to 3 articles from the HP archives per month. $409 for an annual subscription*.

3) Start a FULL ACCESS PLAN SUBSCRIPTION and regain ACCESS to this article, the current issue, all past issues in the HP Archive, the HP Process Handbooks, HP Market Data, and more. $1,995 for an annual subscription.  For information about group rates or multi-year terms, contact email Peter Ramsay or call +44 20 3409 2240*.

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The food industry is feeding your addiction.

Its not a great surprise that people are struggling with healthy eating and weight issues when an entire industry is throwing everything they have into getting you addicted to super sugary incredibly salty processed foods. If you have time take a look at the national food strategy plan or Jump to chapter16 for the conclusions ! We can help change your behaviours with hypnotherapy and support. Click the link for the full report, the more information you have the easier it is to solve your issues.

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Hi all just wondering who out there is still trying to keep up with some challenges? X I’m definitely on a water day today

The best exercise you can do to strengthen the upper body is a press up it’s also a great way to tone up the triceps (bring the hands closer together) take a look at the video on this link and start


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Introduction to Conflict Transformation, Part 1 Workshop - Corning
Saturday, November 19, 2022 at 10:00 AM to 3:30 PM Central Standard Time

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Corning United Methodist Church
901 Nodaway St
Corning, IA 50841-0307

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Ryan Christenson

November 19, 2022, 10:00 AM - 3:30 PM

Registration fee: $25 per person

Deadline to register: Friday, November 11, 2022

Conflict happens. It is a reality in every church and every relationship—especially if they’re healthy ones. We will respond to and resolve conflict more effectively when we have a plan and the expectation that there is a way through it. That’s the subject of this one-day workshop which will offer a Biblically-grounded introduction to addressing conflict in a win-win manner. We’ll consider the nature and role of conflict. We’ll explore our own personal styles that affect our responses to conflict. We’ll learn practical skills and strategies toward peacemaking. We'll practice skills that will help us manage ourselves and respond to others when conflict appears in any part of our lives--from personal relationships to work settings to our churches.

This workshop is intended for clergy and other church leaders who want concepts and practice for being better prepared when conflict arises. Each participant will receive a training manual. Registrants will be asked to complete a conflict style assessment and review their results before arriving at the workshop.

CEUs are available upon request. Snacks, drinks, and lunch will be provided.

Click Here to Register →


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Located by the old harbor between Reykjavík city center and the North Atlantic, the new Harpa Concert Hall and Conference Centre, stands out as a unique landmark in continuous interplay with its surroundings. The design was influenced by Iceland‘s exceptional and dramatic nature. Situated on the boundary between land and sea, the building is a gleaming sculpture reflecting both sky and harbor, as well as the vibrant life of the city.

The glass facade, which covers the entire building, was designed by renowned visual artist Olafur Eliasson (creator of the New York Harbor waterfall installation a few years ago). Harpa Concert Hall and Conference Centre, the new home of the Iceland Symphony Orchestra and the Icelandic Opera, has four halls, the largest one accommodating up to 1,800 seated patrons. Smaller meeting rooms are located throughout the building and a spacious exhibition area is nearby. The Concert Hall and Conference Centre also offers state-of–the-art equipment for corporate meetings, in addition to catering services and parking spaces.

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Money Transfer through Mobile Banking App

ICICI Bank Canada account holders can now transfer money online to virtually any bank in India, in just a few taps!.

Our Online Money Transfers have always been easy and convenient to use. You can initiate instant* online money transfers to any ICICI Bank account holder in India or to any IMPS1, NEFT2 and RTGS3 enabled banks/branches across India. Take advantage of our pre-confirmed competitive exchange rates and low service charges, all with a few taps on your phone. You will be able to transfer money to the beneficiaries you have already registered through our Online Banking portal or iMobile app. New beneficiaries can also be added using these channels. Rate block is not available through mobile banking.

Mobile Banking App Features:

  • Add a new beneficiary: Now add a new beneficiary via our mobile app under Money Transfer to India.
    An OTP will be sent to your mobile number registered with us to complete beneficiary registration. If your mobile number is not registered with the Bank, you will be prompted to call our 24-hour Customer Contact Centre, toll-free at 1-888-424-2422 to confirm the registration. Beneficiary will be added and available for transfer within 24 hrs.
  • Quick Pay: Now transfer funds with just one click
    Your recent international money transfers (the last three transactions) will be prominently displayed on the app. To repeat an identical transfer (i.e. to same beneficiary for same amount), you can select a transfer displayed and complete such repeat transfer. The exchange rate applicable will be the rate on the date of the repeat transfer.
  • Set up Standing Instructions: Set up automatic fund transfers
    Now set up fund transfers using a Standing Instruction. Transfers will be made to the selected beneficiaries in the amounts and dates as requested by you.
  • Transaction History: Track all your international money transfers under ‘History’ in Money to India through the mobile app.

If you have any questions, please call our 24-hour Customer Contact Centre, toll-free at 1-888-424-2422.

Money transfers to recipient bank accounts that are not held with ICICI Bank Limited in India, will only be credited instantaneously if such recipient’s bank accounts are enabled for immediate payment services (IMPS). If they are not registered for IMPS, money transfers will be processed via National Electronic Funds Transfer (NEFT) or Real Time Gross Settlement (RTGS). NEFT/RTGS transfers may take up to 48 business hours to process. All money transfers to India are subject to limits and restrictions imposed by IMPS and NEFT/RTGS, as applicable.

1Immediate Payment Service (“IMPS”): Click Here for list of IMPS enabled banks.
2National Electronic Funds Transfer ("NEFT"): Refer to https://rbi.org.in/Scripts/neft.aspx for list of NEFT enabled Bank branches.
3Real Time Gross Settlement ("RTGS"): Refer to https://rbi.org.in/scripts/BS_ViewRTGS.aspx, , for list of RTGS enabled bank branches.

Money Transfers are subject to regulatory verification processes. In the event of any delays in the processing of Money Transfers on account of such verifications, ICICI Bank Canada will not be liable or responsible in any manner for the consequences of such a delay, including, without limitation, for losses or damages caused by such a delay.