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50 Great Apps for iPhone, Android and BlackBerry

Enhance your life with these digital helpers

Who would have thought our phones would one day bring us sports scores, restaurant reviews and addictive brain games? Applications transform our smartphones into the world's most versatile pocket tools. From a personal money manager to a public toilet finder, we suggest 50 apps that will enhance your life with little, or no cost at all.

Personal Organization & Finance

1. Evernote

A great free app to help you stay organized or simply jot down ideas wherever life takes you. Evernote lets you create, view, organize, search and share your ideas — sort of like a digital version of yellow sticky notes, if you will — but also with the option to include voice notes, photos and videos, too, if desired. An auto-sync feature means your notes are automatically saved and accessible on other Evernote platforms, such as the Web or your personal computer. (Android, BlackBerry, iPhone)

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Smartphone with Apps popping out of the screen

C.J. Burton

The right app is just a tap away on your BlackBerry, iPhone, Android or Windows smartphone device.

2. Mint

Set budgets, track expenses and reach your financial goals with the free Personal Finance app for Apple and Android. This handy download for smartphone and tablet users lets you see what you're spending (and saving) through color-coded lists and graphs. You can also track your bank account balances in real-time, follow investments and even break out your expenditures by category and receive alerts when you've exceeded your budget. (Android, iPhone)

3. Venmo

Venmo is a free app that lets users pay money back to friends, family or colleagues. Or it can be used to split a bill at a restaurant or gift someone cash from one device to another. Simply sign up online, and then link a credit card or bank account to your Venmo account for all transactions. Venmo says the account works with all the major banks in the United States. (Android, BlackBerry, iPhone)

4. RedLaser

The free RedLaser app uses your smartphone's camera to take pictures of product bar codes and then displays, within a second or two, the best prices at online or local retailers. Scanned UPC codes on food products can also yield nutritional facts and allergen information. RedLaser also supports QR codes, too, to help you get more information on products by capturing those little black and white squares in magazines, newspapers or on posters. (Android, iPhone, Windows phones)

5. Gift List

Gift List by Gennubi ($2) is a simple, intuitive and useful shopping app for iPhone that helps you track your purchases and stick to a budget. Quickly create a profile for each person on your shopping list, type in the gifts you want to buy them (and how much you want to spend) and the app will keep you organized and within budget. Check off gifts you've purchased with your fingertip, and if you like, jot down notes, too. (iPhone)

Next: Save money with your device when shopping. >>

6. Pushpins

This popular — and free — shopping app cleverly combines your shopping list, digital coupons and nutrition facts on thousands of products. Search for items you'd like to buy or scan bar codes and Pushpins will show you the digital coupons related to the items on your smartphone (such as $1.50 off dishwasher detergent). And the app can save you time, too, by grouping your lists by aisle to get in and out the supermarket quickly. (iPhone)

7. CNET reviews

Buying consumer electronics can be an overwhelming endeavor given how quickly technology evolves, how expensive it can get and how confusing the terminology can be (do you know your gigahertz from your terabyte?). CNET Reviews is a handy companion for shoppers who want to carry CNET's expert staff in their pocket. Read clear and concise reviews, watch videos and scan bar codes to pull up price comparisons for popular products. (Android, iPhone)

8. Groupon

The free Groupon app brings the popular money-saving service to your pocket or purse. Check for daily deals at local stores — and if you like, pass them along to family and friends — and then present the offer at the store on your phone to get your deal. In other words, you don't need to print off the deal like you do when it's received on your personal computer. (Android, BlackBerry, iPhone)

Hobbies & Entertainment

9. ESPN ScoreCenter

Sports fans never have to miss the action with the free ESPN ScoreCenter apps. Regardless of your preferred sport — football, baseball, hockey, basketball, soccer or motor sports — you can get personalized scoreboards and live game updates including plays, stats and standings. True diehards can even get scores pushed to their device in real time. (Android, iPhone)

10. ClearPainting Free

Use your fingertip or stylus pen to create a unique drawing on your iPhone. This free app is easy to use thanks to a clean interface that offers many tools, including multiple brush styles, sizes, colors and opacity levels. Plus, unlike most other painting apps, you can import photos to use as a background image to your artwork. (iPhone)

Next: Send postcards and name that song stuck in your head. >>

11. RedStamp

Fusing the old world with new technology, RedStamp lets you create and mail personalized cards, thank you notes and invitations right from your iPhone, iPad or iPod touch. Select a design, type a message and perhaps import a photo, and then RedStamp will print a high-end yet eco-friendly paper postcard and mail it directly to your list of recipients, postage included. The free app offers more than 400 templates to start with. (iPhone)

12. SoundHound

Ever heard a great song on the radio, in a store or during a movie and had no clue who sang it? With the free SoundHound app, simply hold the smartphone up to the speaker and within seconds you'll see the name of the song, including artist and album information. In many cases, you can buy the song immediately — and the app offers related YouTube videos, lyrics and tour dates for the artist. (Android, iPhone, Windows phones)

13. Spotify

For the uninitiated, Spotify is a music streaming service that lets you listen to millions of high-quality tracks on your PC — including the option to share what you're listening to with your Facebook friends. To use it on your mobile device, you'll need to upgrade to the premium version ($9.99/month), which includes many additional features, removes advertisements and offers an offline mode when you don't have an Internet connection. (Android, BlackBerry, iPhone)

14. Flixster

Love movies? The free Flixster app can help you figure out what to watch — and where. The app offers high-quality trailers and video clips for the hottest box office and DVD releases, plus critic and consumer reviews, and more. You can even see local show times and purchase tickets on the spot from theaters that sell tickets online. Flixster can also link you to your Netflix account or help you rent or buy movies via iTunes. (Android, BlackBerry, iPhone)

15. OpenTable

A must-have for foodies who like to eat out, OpenTable is an app for restaurant reservations. Free to use, simply search for restaurants based on parameters you choose — location, cuisine, date/time and price range — and then book your reservation with a tap or two. You'll receive a confirmation email and can earn OpenTable rewards points, which can be redeemed for discounts at select restaurants. (Android, BlackBerry, iPhone, Windows phone)

Next: More tasty apps to feast upon. >>

16. Foodspotting

What differentiates this free restaurant reference guide from others — such as Urbanspoon — is that it's picture-based. Diners photograph their order, and then upload the shots, along with a review. You can also access guides from experts, such as the Travel Channel's Anthony Bourdain. (Android, BlackBerry, iPhone) (Penny Musco)

17. Epicurious

This free app boasts more than 25,000 recipes drawn from publisher Condé Nast's collection, which includes Gourmet and Bon Appétit magazines. Browse by meal or category, but the heart of the app is its sophisticated search capability. Recipes include user rankings, photos and reviews. When you find a recipe you like, tag it as a favorite, add the ingredients to a shopping list or email it to yourself or others. (Android, iPhone) (Steve Morgenstern)

18. BigOven

This free app is a more democratic foodie resource, boasting a user-generated 200,000-recipe database. Anyone can upload a recipe, so you're going to find a lot more prefab ingredients such as canned tomato soup and Bisquick here than at other apps. This one may lack graphic polish, but you can be pretty sure you'll find a recipe for just about any dish you can think of, and the user-rating system does a good job separating the winners from the losers. A premium version costs $16 annually and offers more features. (Android, iPhone) (SM)

Health & Fitness

19. Lose It!

The free Lose It! app is a handy tool to help you achieve your weight-loss goals. Set a goal — such as lose five pounds in one month — and then the program will calculate your targeted daily caloric intake to reach it. Tap in what you've been eating (by food, such as "one medium apple," or even by brand, like one bowl of "Kraft Macaroni and Cheese") and it will calculate the calories for you (and even fat, sodium and so on, if you like). Exercise is also factored into your daily routine. Your info can be also synched to the website. (Android, iPhone)

20. MyFitnessPal

Log your food intake and exercise — wherever life takes you — so you can keep track of your fitness goals. This is the idea behind the free MyFitnessPal app. More than 1.5 million foods and restaurant dishes are in the database, so you can expect an accurate look at your caloric intake for each meal. Because you log into the app with your account details, all your information is automatically synchronized with the website, too. (Android, BlackBerry, iPhone, Windows phone)

Next: Stay healthy with these fitness apps. >>

21. Endomondo Sports Tracker

This free personal trainer tracks your outdoor fitness routines via the smartphone's GPS technology. While walking, jogging, running or cycling, all your times, distances, speeds and calories are recorded and tracked. Plus, your friends can follow your exercise in real-time and send words of encouragement while you're exercising. (Android, Blackberry, iPhone)

22. Instant Heart Rate

Place your finger over the LED camera, and in 10 seconds you'll know how fast your heart is beating — no external hardware needed, as the camera actually watches your blood pulsing. The basic app is free, but an upgraded version (99 cents for Apple, $2.99 for Android) allows you to customize an exercise routine and track your progress, and includes a target heart-rate zone calculator. (Android, iPhone) (PM)

23. Eye Chart Pro

You don't need great eyesight to see why the free Eye Chart Pro was the top downloaded medical iPad app in 2011. Eye Chart Pro is a visual acuity exam that's completely randomizable, therefore you can't memorize the chart like at your eye doctor's office. Tap the screen to randomly generate the eye chart or an individual line, and toggle between Snellen and Tumbling E charts. Directions are included on how far back one should sit before reading the letters on the tablet display. (iPhone)

24. WebMD

As with its website, the WebMD app for delivers trusted health information to your fingertips. Look up symptoms and side effects, access an extensive database of drug information, and search or browse through a comprehensive guide to medical emergencies — even without an Internet connection. If needed, you can also look up nearby physicians, hospitals and pharmacies based on your location. (Android, iPhone)

25. White Noise Lite

If you're having trouble falling asleep, the free White Noise Lite app might be just what the doctor ordered. Simply select from 10 soothing sounds — such as a rainstorm, chirping crickets, wind chimes or waves crashing on a beach — and you might be sound asleep before you can say, "Wow, this app is really relaxing." The free download also features a timer that automatically turns it off after you drift off. A premium version offers additional sounds. (Android, iPhone)

Next: Challenge your gray matter with these gaming apps. >>

Brain Games

26. Unblock Me Free

You've probably seen similar "parking lot" puzzles before, where the object is to strategically move cars of different sizes, vertically or horizontally, to allow your vehicle to leave the lot. Unblock Me Free offers the same concept but with wooden blocks. There are four difficulty levels (from beginner to expert), two modes (Relax and Challenge), a hint system and a total of 4,200 free puzzles, in all. (Android, iPhone)

27. Shanghai Mahjong Free

Relax with this new spin on an old favorite. Shanghai Mahjong Free challenges you to remove a board of tiles by selecting pairs, but only the tiles on the top and sides of the pile are accessible. This free version adds intuitive touch controls, a variety of game modes and the ability to customize the tile and background artwork by downloading new images or importing pictures from your smartphone's photo album. (iPhone)

28. Words With Friends Free

The game that's so addictive Alec Baldwin was kicked off a flight for refusing to stop playing (lucky for him, the plane hadn't taken off yet). Zynga's Scrabble-like game challenges you to create words using tiles on board. Take turns against your opponents at your own pace. Words With Friends Free supports up to 20 simultaneous matches — and you'll be notified when it's your turn for each game. Chat with friends while playing via the in-game text messaging. (Android, iPhone)

29. Magic Piano

Music lovers, listen up. This free music-playing app is part game, part piano lesson. As you hear familiar songs — be it pop hits or traditional melodies — you must tap beams of light at the right time, either single notes or chords, to play along with the ditty. While you'll start with a number of free songs, you can purchase additional song packs or play enough that you earn in-game currency to pay for new music. Part of the fun is listening in on other players' performances from around the world. (iPhone)

30. Angry Birds

If you haven't heard of this free app, it's time to come out of your nest. The endearing, addictive physics-based strategy game gives you a giant slingshot to launch an assortment of birds with various destructive powers toward reinforced forts built by scheming green pigs. With more than 500 million downloads across all platforms, it's the most popular mobile game ever. (Android, iPhone)

Next: Lifelong learning continues in smartphones, too. >>

Lifelong Learning

31. Vocabology

Quadrennial? Macaronic? Arable? Vocabology is a free app that teaches you a "word of the day," pooled from several sources on the Internet. This includes traditional dictionaries (such as Merriam-Webster), current slang dictionaries, SAT Word of the Day and words from other languages, too. The app offers a word and definition, synonyms and examples of the word being used in a sentence. There's a quiz, and an optional in-app purchase that lets you hear pronunciation of each word. (iPhone)

32. Google Sky Map

The sky's the limit for armchair astronomers: the free Google Sky Map app lets you discover and browse the night sky by simply pointing your phone to space. Learn the name and location of planets, stars and constellations by taking advantage of the phone's GPS, accelerometer and digital compass. More than a thousand stars and all of the planets in our solar system are searchable and visible in the app, but you can also view and search for constellations and individual stars. Out of this world, huh? (Android)

33. TED

Available free to iPhone users, the official TED app includes hundreds of talks from some of the world's most fascinating people — including business mavens, spirituality gurus, tech leaders and music legends. Content includes nearly 1,000 TEDTalk conference videos (with new talks added every week) and on-demand streaming audio from TEDRadio. The entire library is available for searching or browsing, in both online and offline modes, plus you can share favorite talks and playlists with your friends. (Android, iPhone)

34. Fotopedia Heritage

Recently named one of Apple's top 50 "Hall of Fame" apps, Fotopedia Heritage houses more than 30,000 beautiful, handpicked photos. Created with the UNESCO World Heritage Centre, the app also lets you virtually visit culturally significant sites around the world with interactive maps. View photos as a slideshow or wallpaper, shake your device to load new imagery and share your favorites via email, Facebook and Twitter. (iPhone)

35. Kindle

Kindle is a free e-book reading app that lets you flip through millions of digital books, magazines, newspapers and other content. Features include adjustable font sizes and brightness, instant dictionary word lookup and the ability to share quotes and passages with your friends on Facebook and Twitter. If you have an Amazon Kindle reader, the app syncs with it to remember where you left off in any of your books. (Android, BlackBerry, iPhone)

Next: Stay on the right path with these travel apps. >>

36. Kayak

This nifty app offers comprehensive travel information such as flight and hotel search and travel planning and management (packing lists, tip calculator, currency converter). The simple user interface will find you some of the best available travel deals with just a few swipes. (Android, BlackBerry, iPhone) (Judy Mandell)

37. Yelp

Craving some sushi? Need to find a gift for a grandson? Car almost out of gas? Yelp helps you find nearby businesses via your smartphone's GPS, and lets you read reviews from others before you go. Narrow your searches by neighborhood, distance and price; make restaurant reservations on OpenTable from within the app; find great deals offered by local establishments; and "check in" to let Facebook friends or Twitter followers know where you are. An "augmented reality" feature lets you hold up your smartphone's camera to see business information overlaid on top of the world around you. (Android, BlackBerry, iPhone)

38. Google Translate

Sprechen Sie Deutsch? With Google Translate, use your smartphone to instantly translate one language into another. More than 50 languages are supported, allowing you to type or speak a phrase into the Google Translate app and have it translated on the spot. Along with text-to-speech and speech-to-text, other features include dictionary definitions and support for history/favorites that can be saved for future reference. (Android, iPhone) (JM)

39. TripIt

A handy app for keeping track of all your travel itineraries, TripIt lets you forward all your confirmation emails for flights, hotels, rental cars and such, and TripIt will automatically organize them into detailed summaries with confirmation codes and other information. You can get instant access to all the trip info you need — including links, phone numbers and maps/directions to airlines, hotels, rental places and restaurants — directly from your itinerary. It'll also dial phone numbers right from within the TripIt itinerary. (Android, BlackBerry, iPhone)

Next: Get social on the go with these addictive apps. >>

40. Trailhead

Feeling like an adventure? The North Face Trailhead apphelps you find trails, hikes and bike routes based on your location. Alternatively, you can search by activity or length. Using the smartphone's GPS, Trailhead will then track your route, speed, distance and elevation — in real time — and when you're done you can post your experience to Facebook, Twitter or More than 300,000 trails, hikes and bike routes are included in the app. (iPhone, Windows phone)

41. SitOrSquat

The user-generated content of this free restroom finder is the ultimate resource for when you gotta go when you're on the go. An independent group began compiling the data several years ago, but the app was recently acquired by Charmin, which accounts for the prominent toilet paper branding. Contributors often include information on operating hours and sometimes post photos of the facilities. (Android, BlackBerry, iPhone) (PM)

Social Networking

42. Skype

This free app lets users video-chat with friends and family anywhere in the world — as long as they're also using a Skype-enabled device, such as a tablet, smartphone, computer or television. Using a Wi-Fi or cellular connection, you can see who you're talking to and they can see you; you also can tap to change to the rear-facing camera for them to see what you're looking at — such as a home renovation as you walk around your house. (Android, BlackBerry, iPhone)

43. Bump

Bump is a free app that lets smartphone users easily exchange information between devices. Simply bump two smartphones together and as long as you're online — via Wi-Fi or cellular connectivity — the paired phones will exchange contact information. Beats swapping business cards — and more fun, too! (Android, BlackBerry, iPhone)

44. HeyTell

Stiff fingers? Not a problem. This voice-based tool lets you send, receive and record texts and calls with the touch of a single button. It not only instantly connects you to friends and family vocally, but also shows everyone's location, in case you need to find each other (different privacy levels can block the information if you prefer). And messages also can be saved and exported to Facebook and email. (Android, iPhone) (PM)

Next: Protect yourself and be prepared for the weather. >>

45. Google Goggles

Search the Web simply by taking a picture — the free app uses image recognition technology to recognize objects and return relevant search results. Identifies products, famous landmarks, storefronts, artwork and popular images found online. The app can also translate words in English, French, Italian, German, Spanish, Portuguese and Russian. (Android, iPhone) (JM)

46. The Weather Channel

As strangely addictive as the TV network it's based on, The Weather Channel's free app delivers real-time weather updates, large and customizable maps, and high-quality videos that cover local, regional and national forecasts. Get notified of breaking news, such as severe storm watches and alerts, watch in-motion radar (with past and future views) and read Twitter feeds from popular TWC on-air personalities. (Android, BlackBerry, iPhone) (JM)

47. BuddyGuard

Formerly called Plerts, this personal protection device has monitoring, detection and warning capabilities. The accelerometer senses increased G-forces generated during a car accident and will automatically call for help. You can even enter a distress PIN to send an emergency alert. And every three seconds, the app records audio, snaps photos and notes your GPS coordinates, all of which make it handy to have along if you're traveling or in an unfamiliar area. (Android, BlackBerry, iPhone) (PM)

48. FastCustomer

Do you hate waiting on hold for customer service? Of course you do. With a simple tap of your screen, the free FastCustomer app will navigate the automated phone "tree" to whichever department you need — such as billing, reservations or tech support — and then will ring your smartphone once an agent is on the line. More than 3,000 companies in the United States and Canada are supported, including all major banks, credit card companies, telecoms and airlines. (Android, iPhone)

49. Tiny Flashlight

Whether you're walking to your car in the dark, reading on a dimly lit plane or stumbling to the bathroom in the middle of the night, your phone can make for a handy flashlight — with the right app, that is. As the name suggests, Tiny Flashlight uses your camera's LED flash (iPhone 4/4S) as a bright flashlight. You can also select from various screen lights with customizable colors and variable brightness settings. (Android, iPhone)

50. Over 40 Magnifier and Flashlight

This clever two-in-one app is both a flashlight and magnifier. For example, you're in a dark restaurant and the waiter brings the check to the table. Simply pull out your phone and you can not only shine a light on the situation but magnify the text from 1x to 10x. Note: An iPhone 4 or iPhone 4S is required for the flashlight functionality, but any iOS device with a camera can serve as a magnifier. (iPhone)

You may also like: Tech breakthroughs in mobile health. >>

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Handling Mortgage Inquiries and Making Referrals

Describes the primary regulatory compliance Acts that affect mortgage inquiry, counseling, and application phases. Reviews the features and benefits of the most popular mortgage programs, important elements of different purchase and refinance transactions, and techniques and sample responses to customers for your mortgage referral to the MLO.

Updated: April 2017
Re-versioned: July 2016

What You'll Learn

After successfully completing this course, you will be able to:

  • Explain the phases in the mortgage origination process
  • Identify the important compliance issues that affect mortgage inquiries and referrals
  • Describe the features and benefits of conventional fixed rate, adjustable rate, FHA, and VA programs
  • Prepare and refer mortgage loan application customers

All bank employees who are authorized to discuss mortgage loans with customers who do not have special mortgage licensing credentials (retail branch, loan servicing, or call center employees and employees who are involved in mortgage origination, such as originators, processors, underwriters, closers, etc.)

Course Credits

ABA Professional Certifications: 2.0 CRCM

Questions? Please contact for more information.

Purchase for a Team
To license this course to your bank for multiple learners, please contact ABA Training.

 Related Training

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Online around the World

A Geographic Encyclopedia of the Internet, Social Media, and Mobile Apps

by Laura M. Steckman and Marilyn J. Andrews, Editors

Use of the Internet and social media is a worldwide phenomenon, but not surprisingly, the use of technology-enabled interconnectivity in other cultures and countries is somewhat different than in the United States.

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May 2017

Pages 400
Volumes 1
Size 7x10
Topics Geography and World Cultures/Culture
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Covering more than 80 countries around the world, this book provides a compelling, contemporary snapshot of how people in other countries are using the Internet, social media, and mobile apps.

How do people in other countries use the social media platform Facebook differently than Americans do? What topics are discussed on the largest online forum—one in Indonesia, with more than seven million registered users? Why does Mongolia rate in the top-ten countries worldwide for peak Internet speeds? Readers of Online around the World: A Geographic Encyclopedia of the Internet, Social Media, and Mobile Apps will discover the answers to these questions and learn about people's Internet and social media preferences on six continents—outside of the online community of users within the United States.

The book begins with an overview of the Internet, social media platforms, and mobile apps that chronologically examines the development of technological innovations that have made the Internet what it is today. The country-specific entries that follow the overview provide demographic information and describe specific events influenced by online communications, allowing readers to better appreciate the incredible power of online interactions across otherwise-unconnected individuals and the realities and peculiarities of how people communicate in today's fast-paced, globalized, and high-technology environment. This encyclopedia presents social media and the Internet in new light, identifying how the use of language and the specific application of human culture impacts emerging technologies and communications, dramatically affecting everything from politics to social activism, education, and censorship.

  • Demonstrates that while the Internet and the human desire to connect with others is universal, people in different cultures and regions have different preferences for what, where, and how they communicate online
  • Identifies the ways in which the Internet and social media have profoundly impacted the world economically, culturally, and politically
  • Chronicles the development of major social media innovations that have shaped online environments
Author Info

Laura Steckman, PhD, is a social scientist who studies how people and culture influence and interact with emerging technologies. She received master's degrees in education, Latin American studies, and Southeast Asian studies. Steckman holds an affiliation of Honorary Fellow with the University of Wisconsin-Madison's Center for Southeast Asian Studies.

Marilyn J. Andrews holds a doctorate in mass communications from the University of Wisconsin-Madison. Her previous research examined indigenous identity expressions in online media. Currently, Andrews explores organic multicultural communities that form in online environments.

"High school students in need of information for reports and general readers interested in global online use will appreciate this insightful and intriguing encyclopedia."Library Journal

"[T]he volume provides much useful data and helpful discussion about online access and internet use around the world. . . . The compilation will be useful as a snapshot of internet use in different countries and for its extensive reading lists. Summing Up: Recommended. All libraries. All levels."Choice

"Some would be surprised that Facebook and other popular websites are not the most favored or used by various worldwide populations. . . . This volume is an excellent reference work which documents online usage and activity around the world."ARBAonline

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Other Titles of Interest

Internet Censorship cover imageInternet and the Law cover imageOnline Health and Safety cover image
Cyberbullies, Cyberactivists, Cyberpredators cover imageThe Social Media Revolution cover image

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The #MeToo Movement

by Laurie Collier Hillstrom

A 2017 ABC News–The Washington Post poll found that more than half of all American women have experienced "unwanted and inappropriate sexual advances" at some point in their lives.

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December 2018

Pages 149
Volumes 1
Size 6 1/8x9 1/4
Topics Current Events and Issues/Society
  Women's Studies/General

This volume provides a concise but authoritative overview of the #MeToo Movement and its enormous impact on American society, from the studios of Hollywood to factories, campuses, and offices across the country.

The 21st Century Turning Points series is a one-stop resource for understanding the people and events changing America today. The #MeToo Movement is devoted to the issue that brought sexual harassment out of the shadows of American culture and into the spotlight.

Sparked by revelations of decades of sexual harassment by powerful Hollywood executive Harvey Weinstein, the movement quickly uncovered similar abusive behavior by numerous other famous public figures. It also revealed the extent to which sexual harassment has been a persistent problem in many workplace settings across America and the ways in which girls and women are subjected to degrading and discriminatory treatment because of their gender.

The book provides a broad perspective on these issues. It discusses late twentieth-century efforts to identify sexual harassment as a longstanding societal problem; explains how the 2016 presidential election brought new attention to this issue; introduces activists who helped to launch the #MeToo Movement; and surveys the impact of the movement on American politics, business, and entertainment.

  • Provides entries devoted to individual events as well as milestones
  • Presents biographical profiles to help readers to understand the motivations and accomplishments of important activists and figures
  • Offers essays that explore the lasting impact of the movement on American life
  • Features an annotated bibliography that directs readers to resources for further study
Series Description

21st-Century Turning Points

21st-Century Turning Points is a general reference series that gives readers a clear, authoritative, and unbiased understanding of major fast-breaking events, movements, people, and issues that are transforming American life, culture, and politics in this turbulent new century. Each volume constitutes a one-stop resource for learning about a single issue or event currently dominating America's news headlines and political discussions—issues or events that, in many cases, are also driving national debate about our country's leaders, institutions, values, and priorities.
Author Info

Laurie Collier Hillstrom is an independent scholar based in Brighton, Michigan. She is author or editor of more than 40 books in the areas of American history, biography, and current events, including Defining Moments: Roe v. Wade, Black Lives Matter, From a Moment to a Movement, and Defining Moments: The Stonewall Riots.

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The NFL National Anthem Protests cover imageEncyclopedia of Rape and Sexual Violence cover imageSexual Violence and Abuse cover image
Women's Rights in the United States cover imageWomen's Rights cover imageCampus Sexual Assault cover image

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Head off on a capital city break without splashing the cash

Jet setters can celebrate the start of autumn with a visit to a European capital city without digging deep in their pockets.

The money saving gurus at online site PromotionalCodes.org.uk have researched the best deals for short holidays this October – and Rome is the place to explore if you’re on a budget.

It was discovered that a traveller could enjoy three nights in the Italian capital city, with flights and hotel stay included, for just £142.

At the other end of the scale, Copenhagen in Denmark was revealed as the most costly trip, with a total price of £305 for flights and accommodation for one person.

Figures for cheap capital city breaks this October:

City Flights Hotel Total cost
1. Rome, Italy £83 £59 £142
2. Berlin, Germany £95 £49 £144
3. Prague, Czech Republic £118 £31 £149
4. Amsterdam, Holland £76 £93 £169
5. Madrid, Spain £107 £73 £180
6. Paris, France £77 £126 £203
7. Stockholm, Sweden £104 £100 £204
8. Vienna, Austria £134 £106 £240
9. Brussels, Belgium £98 £144 £242
10. Budapest, Hungary £207 £42 £249
11. Lisbon, Portugal £154 £135 £289
12. Copenhagen, Denmark £101 £204 £305

Summer is now officially over and the kids are back at school but if you’re flexible with your holidays, autumn is the perfect time to head off on a short break.

And if beach resorts aren’t your thing, then exploring a European capital city is both exciting and cost-efficient.

The team looked at the cost of a three-night stay from Saturday, October 1 to Tuesday, October 4, in 12 of the most popular European capitals – including flights from London Heathrow Airport and accommodation at a three-star hotel.

Surprisingly, Rome is the best place to head to if you’re looking for a bargain break, with flights available from £83 and a room with a view for only £59.

Coming in as the second cheapest holiday was a break to Berlin, the capital of Germany. A short break this October would cost around £144, with flights from £95 and three nights in a city centre hotel just £49.

This was then followed by a visit to the stag-do city of Prague in Czech Republic, costing £149 for a wild weekend away.

Also among the list of cheap capital city breaks were Madrid, Paris, Vienna, Brussels, Budapest and Amsterdam.

If you’re wanting a spot of luxury and don’t mind paying a bit extra, Copenhagen is the city for you with a total cost of £305 for a three-night stay. While it’s still not breaking the bank too much, the capital was discovered as the priciest for an October jaunt.

Also up there as the biggest spends were Lisbon and Budapest. A three-night vacation in the Portuguese capital will set you back around £289, while a holiday in Hungary will cost just under at £249.

A spokesperson for PromotionalCodes.org.uk said: “The autumn season is a great time to tick somewhere off the bucket list – the weather is normally just right and it’s less costly than a summer vacation.

“Visiting a capital city is always fun as there’s always lots to explore and see, and we’re only a few hours plane ride away from some amazing cities.

“We thought it would be both interesting and useful to find out which city options are out there and where would come out as cheapest. Surprisingly, Rome was revealed as the most bargain option for a weekend away, but you may need to start saving now for a jaunt to Copenhagen.”

Director & founder of @CustardMedia; an online marketing and SEO agency. As seen in @marketingprofs, @prweek and @smbizceo.

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Studi Su Ludovico Ariosto e Torquato Tasso

Carducci, Giosue

Published by Zanichelli, Bologna, 1914
Condition: Very Good + Hardcover
From West Side Book Shop, ABAA (Ann Arbor, MI, U.S.A.)

AbeBooks Seller Since March 2, 2006 Seller Rating 5-star rating

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pp. (4) 537 (3). Text in Italian. Finito di stampare il di' 30 novembre MCMIV. La gioventu' di Lodovico Ariosto e la poesia latina in Ferrara [pp. 5-260], Su l'orlando furioso, saggio [pp. 261-320], I poemi minori di Torquato Tasso [pp. 321-348], Su l'aminta di T. Tasso [pp. 349-487], Il torrismondo [488-534]. Top corners lightly bumped, light wear to bottom edge spine. Inked name on verso ffep, and on half-title, embossed name on title page. Plate on spine faded. Fore-edge top and bottom lightly soiled, else, decorative floral endpapers bright. Binding is strong and tight with no underlining, highlighting or marginalia. Size: 8vo. Bookseller Inventory # 001317

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Title: Studi Su Ludovico Ariosto e Torquato Tasso

Publisher: Zanichelli, Bologna

Publication Date: 1914

Binding: Hard Cover

Book Condition:Very Good +

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~Specializing in used and rare books since 1975~

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About Us

Michael and Lisa Carlsen

Mike and Lisa Carlsen are a first generation funeral home family. They have three daughters that have grown up with the funeral business. It has been a family effort to establish the reputation Carlsen Funeral Homes are known for.

The Carlsen’s opened their first funeral home in 1995 at Ashley, North Dakota. With the encouragement and support of the Ashley community, it gave them the strength to expand. In late 1995 they built a new second location in Eureka, South Dakota. The Eureka people have been equally as supportive, and the funeral home has become part of the community. Michael’s home town is a short drive away at Milbank, South Dakota. Michael has been a licensed Funeral Director since 1985. He has held a North Dakota Funeral Directors License since 1990.

In addition to his funeral director credentials he holds an Insurance License in North and South Dakota in order to serve his pre-funding customers most efficiently. Michael is currently serving as the elected Brown County Coroner.

Early in 1996, a past employer of Michael’s called and was ready to retire. This is when they purchased the Holte Funeral Home in Ellendale, ND.   It was renamed Carlsen Funeral Home. In 2003 the time had come to complete the circle from Eureka to Ashley to Ellendale by opening a location in Aberdeen, South Dakota. This location not only offers a lovely chapel and viewing area, with wonderful grounds, it is home of their own crematory. The first crematory planned in Northeast South Dakota and South Central North Dakota.  They felt their cremation customers deserved better than they have been offered, by having a local outlet for cremation.

Lisa is an Aberdeen native.  She is the daughter of Joan Sahli and the late Al Sahli.

Jason Krenz

Jason Krenz grew up in Wheaton, Minnesota, graduating from Wheaton High School in 1990. After working in the farming and construction industries, he attended Brown Institute in Minneapolis, Minnesota to pursue a career in broadcasting. After 18 years in the Radio industry in both Aberdeen, and Sioux Falls, SD; Jason joined the Carlsen Funeral Home and Crematory team. Jason and his wife, Nichole, are proud parents of two sons, Nate and Jake.

Allie Ryckman

Allie (Carlsen) Ryckman grew up in Ashley, North Dakota and Aberdeen, South Dakota, graduating from Roncalli High School in 2008. After attending University of Mary in Bismarck and Presentaton College in Aberdeen she graduated with a Bachelor of Science Radiologic Technology degree. She worked for a short time as an X-Ray Technician at Sanford Health Aberdeen until joining the family business at Carlsen Funeral Home and Crematory full-time in 2014. Allie and her husband, Jordan Ryckman live near Aberdeen in Warner, SD along with their daughters, Andie and Codie.


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Retro Purse Fronts

These three “patch” appliqué designs represent the best of fashion from the fifties, sixties and seventies. Each design includes a border satin stitching to make a finished edge for ease in gluing the “patch” to a store bought bag. Although these appliqué designs are especially intended to be used as purse fronts, they would be just as fun stitched on the back of a jacket, added to a quilt or used to embellish some other wonderful work of art!

Note: The photo below of the lady on pink with fluffy pink hair has been created using the 60's face. Her hair is needle felted wool roving, her dress and garden and needle felted silk fabric scraps. Her hand was taken from the Oriental Purse front Fan Lady's design and a needle and thread was added with hand embroidery. Beads and buttons further accent this fun piece!

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release date (philippines) 13 February 2017
Drama, Suspense

The Better Half

Marco and Camille are a happily married couple with a bright future and a passionate love that most people can only dream about. But a terrible tragedy befalls their lives when Marco is lost at sea following a plane crash.

Despite people telling her to move on, Camille holds on to the hope her husband is still alive. But she later gives in to despair and almost commits suicide - until she is saved by a man named Rafael. As the two get to know each other, Rafael helps heal Camille’s pain. Soon, they fall in love and get married.

Unknown to everyone else, Marco was actually found alive by none other than his childhood friend Bianca, who had not given up the search for him.

Driven by her long and deep obsession for him, Bianca takes advantage of his apparent selective amnesia. They live together as lovers on a remote island as Bianca shields everything from Marco’s past.

Eventually, Bianca’s lies and deceit slowly start unraveling. When Marco starts seeing visions of a woman, Camille, in his dreams, Bianca does everything she can to bury his true past.

But fate is a fickle thing and everyone’s worlds collide when Camille discovers the shocking revelation that Marco is alive, amnesiac, and already married to Bianca.

Main cast and character guide


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SMARTTOARCHPACK Pack of 6 Wireless Battery LED Centrepieces

Manufacturer ProLights

Request more information or contact us now for purchasing information.

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SMART TORCH PACK featuring 6 luminaires with accessories in ABS case

Key Features

  • Battery powered and wireless DMX control for fast deployment and accurate control
  • Standard flame effect plus full RGBW control for Dynamic effects
  • Available in a SMARTTORCH pack featuring 6 luminaires with accessories in ABS case

Equipment available to buy from this site is for professional use only. Please note in certain countries some products listed may not be available from A.C. Entertainment Technologies Ltd.

E&OE. Information is subject to change without notice. The rights and ownership of all trademarks are recognised.

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Client errors and SARs: an update

The Anti Money Laundering Compliance Company will be issuing a comprehensive review of suspicious activity reporting.

Here’s an extract from the guide, which considers guidance and experience on dealing with client errors.

Suspicious Activity Reports (SARs) lead to a lot of discussion whenever I’m delivering a talk. A key area of debate is correcting client errors. Such errors will pretty much be exclusively to do with tax.

Let’s consider where a client has made an error on a VAT return that is about to be submitted. You spot the error and let the client know that you will correct it or ask them to correct it; it’s then corrected. This is an error that has been corrected before any submission to HMRC, so is no longer an error.

Tax evasion

Reconsider this scenario, when the client refuses to correct the error. Then what? You have seen your client undertake tax evasion, haven’t you? This requires a SAR as there is criminal intent and a proceed of crime.

Perhaps a little more difficult is where a client wishes to correct a historical error. I recently attended an excellent AML training day put on by one of our partners; one of the speakers was a solicitor. From the discussion it was clear that for a criminal offence to occur there must be intent.

In my mind this is a very important point. What if you are considering the intent of a client who has made a historical and often repeated error, such as: “I forgot to declare the income from a rental property”. If we are mindful of our reporting duty and have a suspicion or grounds for suspicion, it must be for us to determine if a non-disclosure was intended or not. In this situation, how can we ever say with certainty that there was no intent?

Sector guidance

This seems like a good point to see what the sector guidance says.

AMLGAS (Anti-Money Laundering Guidance for the Accountancy Sector) explains the following: “6.1.14 – An innocent error or mistake would not normally give rise to criminal proceeds (unless a strict liability offence). If a client is known or believed to have acted in error, they should have the situation explained to them.

“They must then promptly bring their conduct within the law to avoid committing a money laundering offence. Where there is uncertainty because certain legal issues lie outside the competence of the practitioner, the client should be referred to an appropriate specialist or legal professional.”

Innocent mistake

So, if the client makes an innocent error or mistake, then this would not normally give rise to criminal proceedings; this is a useful statement, but we need to delve a bit deeper.

It’s important here to consider whether you have any suspicion or grounds for suspicion that there was an element of intent in the matter discovered.

If you have suspicion that the matter was not an innocent error or mistake, then further thought must be given to a SAR. There would have to be no element of suspicion, or grounds for suspicion of intent for a SAR to not need to be considered, hence the reference in AMLGAS to “known or believed to have acted in error”.

AMLGAS does not seek to distinguish between new and historical errors. For me, the fact that an error has led to an incorrect filing or a filing not taking place that should have been has a risk that that error was intentional. You must decide if it is an innocent mistake (namely was there intent?) and whether proceeds of crime already exist because of the intent.

Money laundering

If proceeds of crime exist then it’s likely that money laundering has already taken place and so reliance on the AMLGAS comments about avoid committing a money laundering offence are not relevant.

My personal view is to consider using a two SAR structure. The first SAR ensures that the matter is reported and that your Porceeds of Crime Act obligations are satisfied. Within the SAR it can be made clear that HMRC are being/or have been informed of the matter and that the client intends to settle any unpaid taxes. A mention that a second report will follow once the matter has been resolved should also be included.

This way, you are doing all that you can to help your client while protecting yourself at the same time.

Once resolved

The matter can then be dealt with in the normal fashion and once resolved a further report is made to confirm that the matter is concluded and that a previous SAR was made along with the first SARs reference number.

You may feel that this reporting of matters, which are to be resolved seems worthless and the National Crime Agency may not wish for these reports, but if you fall into a habit of not making SARs when you are obliged to who’s taking the risk? Your client? No, it’s you!

Our sector has been heavily criticised for not making enough SAR reports and so please don’t let yourself be the scapegoat for the sector.

The final thought on this is that the work that our sector does in correcting errors and mistakes before they are submitted to HMRC are overlooked. You will know how many times in a year you prevent the filing of incorrect figures to HMRC. We should at least get some good press for this.

About the Author

Richard Simms

Richard Simms is Managing Director of the AMLCC

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ACE Hygiene Services

ACE Hygiene Services, Geelong's Leader and Longest Serving Hygiene Company.

Offering a complete range of washroom products designed to satisfy the high expectations of today's washroom users.

Nappy disposal

A Nappy Disposal Unit service is the most hygienic way of ridding your premises of smelly soiled nappies.

Our units have a 42 litre capacity with a biodegradable scented liner to protect the unit and are ideal in Day Care Centres, Medical Centres, Special Schools,  Hotels, restaurants, shopping centres etc.

Service frequency is usually weekly or fortnightly depending on usage or tailored to suit each business’ individual need.

ACE Hygiene Services Pty Ltd
03 5282 5171


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ACRYLITE® extruded clear 0A000 GT

In stock
  • Crystal clarity & high-gloss surface
  • Tougher & half the weight of glass
  • Can be routed, machined, painted, engraved & hot stamped
  • UV absorbent & made in America

Popular applications include displays, shelving, furniture, shelf liners, desk protectors, garage door & storm replacement windows

$2.15 / sqft

Cutting Fees Apply

ACRYLITE® extruded (FF) acrylic sheet is the highest quality continuously manufactured plastic sheet on the market. It provides tight thickness tolerance and high optical characteristics. ACRYLITE® extruded acrylic sheet is readily available in clear or a variety of colors and thicknesses.

Glass vs. Acrylic Comparison
ACRYLITE® Acrylic is much tougher than glass, at half the weight, is easy to fabricate and form into a variety of shapes, comes in hundreds of colors and is readily decorated. It provides a new level of flexibility and allows ideas to take shape. It sets designers free!

Acrylic is often used where safety and ease of handling are concerns. It is many times more impact resistant than conventional plate glass and has similar impact strength compared to tempered glass. In addition to its excellent impact strength, acrylic sheet of the same size and thickness is half the weight of glass.

High impact strength and light weight make acrylic sheet the choice of people who care! Acrylic also feels warm to the touch, not cold like glass, because it is a better heat insulator. Compared to glass it has a lower coefficient of thermal conductivity.

Often used in glazing applications such as

- Interior partitions
- Exterior storm windows
- Room dividers
- Sun and wind screens
- Skylights
- Interior insulating windows
- Storm door windows
- Fascia panels
- Dome structures

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Eco Adventure Experience

Including lunch in Knysna by The Featherbed Company

In total. For:

adults and
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More about Eco Adventure Experience

Knysna, situated in the Western Cape, is a popular stop along the iconic Garden Route. The town is scattered with boutique shops and cafes and exudes small-town charm. But Knysna is anything but tame, boasting plenty of outdoor activities such as this boat trip, 4x4 adventure drive and guided walk.

This family-friendly outing includes a boat trip on the Knysna Lagoon towards the Western Head, only accessible by ferry. This is followed by a 4x4 adventure through the private reserve, with a guide knowledgeable on the rich biodiversity, before being treated to an outdoor buffet food experience.

4 hours

Featherbed Ferry Terminus

Trips are cancelled in extreme weather conditions.

What to Wear:

Good walking shoes are recommended and remember to bring your camera, hats and sunblock in summer and a warm jacket for the ferry trip in winter

Things to bring:

Cameras and sunblock in summer.

Guests or Spectators:

Certification Required:

No Certification Required
Inclusions & Exclusions

Return ferry trip on the Knysna Lagoon to the Western Head. 4x4 vehicle & trailer drive up the headland onto the Reserve, stopping at spectacular viewpoints. Specialist guide offering information on history, fauna & flora. Optional guided 2.2km nature walk through coastal forest and fynbos into ancient sea caves. World renowned buffet lunch at an outdoor restaurant setting under a canopy of Milkwood trees

You’ll discover Knysna on the Garden Route; it’s charmingly set between the Knynsa Lagoon, Indian Ocean and the Knysna forest.

Other Activities in Knysna

Book other great activities in Knysna.
More About Knysna

The Featherbed Company

Boat trips, sailing, ferry rides, hiking, food experiences and more in Knysna on the Garden Route.

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Policies, Practices & Procedures

Policies, Practices & Procedures - Accessible Customer Service

The mission of the Cambridge Group of Clubs (“CGoC”) is to meet the requirements of the customer service standard provided under AODA.

CGoC strives at all times to provide our services in a way that respects the dignity, independence, integration and equality of all people. We believe in equal opportunity. We are committed to meeting the needs of people with disabilities in a timely manner and to ensuring full compliance under the Accessibility for Ontarians with Disabilities Act (AODA) Our goal is to provide services that are accessible and can be effectively used by everyone, including people with disabilities; and to ensure accessibility for our employees and our members/guests that we serve. To achieve this goal, the Accessibility Policy establishes our key objectives to guide our actions as a company. All CGoC employees are expected to support these objectives in accordance with their role and responsibilities. CGoC is committed to the following:

  • Raising awareness of accessibility issues within our company and providing employees with the training they require in order to be able to deliver accessible services.
  • Documenting accessibility features and making information about our services publicly available in accessible forms.
  • Supporting internal and external research and development that will improve the delivery of our services
  • Supporting and contributing to industry standards and guidelines for accessibility.

CGoC’s Accessible Customer Service Plan is to provide accessible and excellent customer service to people with disabilities through the following:

  • Communication
  • Use of Assistive Devices, Support Animals and Support Workers
  • Notice of Disruption
  • Training
  • Feedback Process

Communication is part of how we provide exceptional customer service. Information is usually shared in written, verbal or visual form. People with disabilities will be communicated with in ways that take into account their disabilities. Our communication methods are flexible and should you require alternate formats or methods, please let us know how we can assist. We are committed to providing accessible invoices to all of our members/guests. Any questions that members/guests may have about the content of their invoice will be answered in person, by telephone, email or any other format they require. Invoices may be provided in alternative formats upon request.

Use of Assistive Devices, Service Animals and Support Workers

CGoC allows people with disabilities to bring and use their assistive devices on site. This includes but not limited to, Wheelchairs, Canes or Walkers, White canes, Magnifiers, Oxygen Tanks, Electronic Communication Devices, Service Animals and Support workers. CGoC welcomes people with disabilities who are accompanied by a service animal on the parts of our premises that are open to the public and other third parties. Training will be provided to our staff in how to properly interact with people with disabilities who are accompanied by a service animal. Any person with a disability who is accompanied by a support person will be allowed to enter any one of CGoC’s premises with his or her support person. At no time will a person with a disability who is accompanied by a support person be prevented from having access to his or her support person while on our premises. Fees will not be charged for support persons (e.g. guest fee), for admission to CGoC’s premises, programs or services. Our members/guests are encouraged to advise a staff member of any special needs that we can assist with and we will accommodate accordingly.

Notice of Disruption

At any time, if access to our services are disrupted a notice will be posted online or at the front of the Club as necessary.

CGoC will provide accessibility training to all staff including those who are involved in the development of customer service policies and processes. Training will be provided upon commencement of employment and reviewed annually and/or when policy changes are made.

CGoC is committed to meet all of our member/guest expectations while serving those with disabilities. We encourage and welcome any feedback regarding our services and our ability to meet our member/guest expectations. All feedback will be reviewed and responded to within 10 business days. Feedback can be provided by written or verbal methods including the following:

Email: hr@cambridgegroupofclubs.com
or in Person: 100 Richmond Street West, Suite 401, Toronto, Ontario M5H 3K6
Telephone: 416-363-9454 ext. 2174

Modifications to Policies, Practices and Procedures

We are committed to developing customer service policies that respect and promote the dignity and independence of people with disabilities. Therefore, no changes will be made to this policy manual before considering the impact on people with disabilities. Furthermore, any policy that does not respect and promote the dignity and independence of people with disabilities will be modified and removed.


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Miles Nadal, CEO and Chairman of MDC Partners, Steps Down Amid Controversy

by James Thompson

An ongoing US Securities and Exchange investigation has led to the resigination of Miles Nadal from his position as CEO and Chairman of MDC Partners.

 The investigation dates back to October, when it was revealed that Nadal had agreed to pay back $8.6 million in questionable expenses from 2009 to 2014, including travel and medical expenditures.

The investigation also encompasses MDC’s accounting practices and third-party trading in the company’s securities.

Nadal, who founded MDC in 1980, will be succeeded by Scott L Kauffman, who has served as presiding director on the company’s board of directors. Irwin Simon, a current member of the company’s board, will replace Nadal as MDC’s presiding director. Read more at Campaign

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Thanks to you all there for such amazing work, it is certainly appreciated here."

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Barbarian Group Hijacks NYC’s Speed Signs With Skeletons

New York City showed off its new skeletal speed-warning signs last week, part of the Department of Transportation's ongoing campaign to show that a pedestrian's odds of death are greatly reduced if the car that hits them is traveling below 30 miles per hour—the limit across much of the five boroughs. As it turns out, The Barbarian Group had a hand in concepting and executing the ads. (Benjamin Palmer, CEO of the Cheil-owned digital agency, is friendly with DOT brass Janette Sadik-Khan). Drivers who obey the law see the regular sign; those who speed see the creepy skeleton. Barbarian says the technology was pretty straightforward, built on existing speed-radar and road-sign hardware. They wanted to do something a bit more involved—with the live version of the figure walking instead of stationary—but had only 2KB of RAM to play with. (The Commodore 64 had 32 times that much back in 1982!) Despite being crude and blunt, it’s a clever idea. Now, will it actually work?


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When in Dubrovnik you have to walk atop the city walls. Try to go all the way around, its well worth it and you will get a great workout. Every corner you turn offers fantastic views.


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Nordnesparken, 5005 Bergen, Norway
It was August, so it seemed a perfectly sensible idea. I'm in Norway, land of the fjords—let's go for a splash in one! Bergen has a lovely little lido that offers you just that opportunity. Sure, you can swim in its heated outdoor pool, but the...
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Lille Øvregaten 14, 5018 Bergen, Norway
This gorgeous place in the heart of Bergen was just begging to be an AFAR highlight. Board games, books, homemade cupcakes, vintage gramophones, folk indie music and disparate couches and tableware are precisely what makes this small café so...
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Forsand Municipality, 4110 Songesand, Norway
In America, an attraction like this would no doubt be fenced off after the first careless (or suicidal) tourist slipped off the side. Not so in Norway, a nation whose people seem to share equally in the belief that nature should not be fenced in,...


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Curetis N.V.

Below you will find information from the register publication of inside information. The information has been provided by the organisation.

  • Registration date 30 apr 2018 - 07:00
  • Statutory name Curetis N.V.
  • Title Curetis Publishes Full-Year 2017 Financial Results and Updated Guidance For 2018

Related downloads

201804300000000001_20180430_Curetis_PR_DE_FY2017 Results_final_released.pdf
201804300000000001_20180430_Curetis_PR_EN_ FY2017 Results_final_released.pdf

Date last update: 18 January 2019

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A Helping Hand

A refugee parent, confused with the American system of education and also getting acclimated with work and life responsibilities, sometimes finds himself/herself with lots of financial difficulties due to working low end jobs and the lack of a higher degree.

We are providing assistance not only during the settlement period but ongoing. The center is ensuring that as a community, refugees have a place to gather and interact.


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BlueInfinite.com is available. Call 1-866-284-4125 ( outside the U.S. call +1 339-222-5134 )

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There is no game in your box!

Agar3D - Agario 3D

Play Agar3D - Agario 3D

Are you ready to play real Agar3D world? Can you become the bigger player?
To get bigger mass, you should eat all around the cubes and enemies, but you should be careful doing that.
Do some traps for get them smaller, if you touch a smaller enemy, will explode and parts will be distributed to the around, you should eat the enemy remains to get bigger.
Do not forget to use your shield while fighting with the enemies,... much more action waiting for you in Agar3D...

Play now and start eating..
Have fun

*** Key Features ***
◉ Play with many different skins
◉ Throw some mass to defeat enemies
◉ Use your shield and keep alive
◉ Easy to learn and fun to master gameplay

*** Controls ***

1 Player Mode : OnScreen Joystick or W, A, S, D or
Arrow-Up , Arrow-Left, Arrow-Down, Arrow-Right

2 Player Mode :
Player 1 -> W, A, S, D
Player 2 -> Arrow-Up , Arrow-Left, Arrow-Down, Arrow-Right


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There is no game in your box!

Warbrokers.io ( warbrokers.io )

Game Description
About Warbrokers.io Become a blocky Rambo in War Brokers, a 3D simplistic shooter. Kill your enemies with a wide assortment of firearms, or hop in a helicopter and mow them down. How to play Warbrokers.io At its base, War Brokers plays similarly to many other FPS games. Move around, shoot your gun, aim down your sights to shoot more accurately. Or hop into a helicopter and crash it into the ground before you can do anything. Warbrokers.io Strategy Find a weapon you feel comfortable with and go to town. You can also select new weapons as you spawn.


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Laser Hair Removal and Your Skin Type. Published in DermaScope Magazine in January of 2015

January 22, 2015

by Lisa Matire, L.E., C.C.E., C.M.E.

Understanding the Fitzpatrick Skin Type Scale for Laser Hair Removal

Dr. Thomas Fitzpatrick developed the Fitzpatrick photo typing scale in 1970. It is a convenient classification system involving the shade of the human complexion, reaction to the sun’s ultraviolet radiation, and cosmetic treatments. This helps ensure that we are treating our clients safely with the best efficacy.

There are six varieties of Fitzpatrick skin typing, ranging from extremely pale-skinned people who are highly subjective to burns, to extremely dark-skinned people who may suffer serious discoloration from laser or light treatments. To determine the Fitzpatrick skin type of a client, a variety of questions asked about genetic history, physical attributes such as eye color, hair color, and freckling, as well as client’s tolerance to the sun. Below is the scale developed by Dr. Thomas Fitzpatrick.

Skin Type
 Typical Features
 Reaction to Sunlight
 I Pale white, milky, very fair skin; red or blonde hair; blue, green, or hazel eyes  Always burns, does not tan
II Fair skin; some freckles; blonde to light brown hair; blue or green eyes Burns easily, tans poorly
III Darker white skin; blonde or brown hair; dark blue, hazel, or brown eyes Rarely burns, tans well
IV Brown to dark brown skin; dark brown or black hair; brown eyes Rarely burns, tans very rapidly
V Dark brown skin; brown or black hair; brown eyes Very rarely burns, tans darkly
VI Black skin; black hair; brown or black eyes Never burns, always tans darkly, deeply pigmented

The Fitzpatrick skin typing is used to determine skin type for a variety of medical and cosmetic applications, particularly in laser treatments. Those with a higher level of skin type such as V or VI are usually prone to overactive production of melanin following laser skin or hair treatments. This can lead to pigmentation issues and/or scarring of the skin. You need to treat these clients with caution. On the other hand, skin type I to II is usually pale and likely to experience sun damage from ultraviolet exposure. Keep in mind you will have clients who have a mixed-skin complexion. It can be challenging to determine skin type. It is extremely important that you ask questions about ethnicity, as well as the skin’s tolerance to the sun to ensure you are treating these patients safely. Keeping all this in consideration and knowing your clients’ Fitzpatrick skin type number is essential for their skin’s beauty and health.

Knowing your clients’ Fitzpatrick skin type is one of the most important bits of information you need to determine before treating with any laser for hair removal. In general, laser hair removal depends on the skin/hair color, skin condition, sun exposure, and hair growth cycle. The results of laser for hair removal is still considered the best for fair skin and dark hair; however, treatments are becoming more and more available to all skin types I to VI. Keep in mind that laser light is absorbed easily by dark pigment. Black or brown hair, with the most amount of pigment, is considered the easiest to treat with fewer treatments. Light brown hair with less pigment requires more treatments because the lighter hair colors are more difficult to treat. Red and blonde hair creates a more difficult absorption for a laser light so it is harder to destroy its target.

Laser hair removal has become very effective in the past 10 years. The best candidate for laser hair removal will be the light-skinned with dark hair clients. African-American, Asian, Latin, and other ethnic groups with dark-to-darker skin tones used to be discouraged from choosing laser hair removal procedures. However, now with the Nd:YAG, we can treat all skin types safely. The laser emits a very specific beam of light at a wavelength that is targeted at melanin in the hair and/or at the hair bulb. Melanin is the material that gives color to hair, skin, and eyes. The Nd:YAG is a 1064 nm wavelength, long enough to bypass the melanin in the skin, allowing darker skin types to be treated safely with great efficacy.

Make sure to ask the right questions to determine skin type and background before treatment. If an incorrect setting/energy is used for the wrong skin type, it could lead to skin damage, scarring, hypo/hyperpigmentation issues, or an ineffective treatment. Besides the routine skin analysis, you need to ask the client what their response to ultraviolet radiation and their susceptibility to tanning and freckling without sunscreen, including any sunburn during childhood. Ask about any blistering after hours of sun exposure and about if they have had chemical peels and if so, what their skin’s reaction was. These are all important bits of information to help determine your client’s skin type.

Laser and light-based hair removal utilizes wavelengths of light that targets pigment within the hair. The emitted light is absorbed by the hair pigment and converted into heat. Since the pigment in the hair is more abundant than it is in the skin, the thermal damage will target the hair while sparing the surrounding tissue. In general, when it comes to light absorption, the pigment in the skin competes with the pigment in the hair. Finding the appropriate treatment is challenging and depends on the type of the wavelength, treatment parameters, and the practitioner’s knowledge and skills. Listed below are several types of lasers/light-based technology that can be used for hair removal:

  • Alexandrite (755 nm) – This type of laser has a shorter wavelength, which is safe to use on Fitzpatrick skin types I, II, and III and even for Fitzpatrick IV, by increasing the cooling system.
  • Diode (810 nm) – This laser delivers a longer wavelength than the Alexandrite; however, shorter than Nd:YAG. This wavelength penetrates into the hair follicle with minimal side effects and/or epidermal injury. All Fitzpatrick skin types, including skin type VI, can use diode lasers.
  • Nd:YAG (1064 nm) – This laser emits the longest wavelength for hair removal. This wavelength is safe and effective on tanned or dark skin tones. It can penetrate three to five millimeters deep so it bypasses the pigment in the skin. This wavelength is cleared by the Federal Drug Administration (FDA) for treating all Fitzpatrick skin types.
  • Ruby (694 nm) – Best to treat Fitzpatrick I and II. They do not penetrate as deep as other lasers. Manufacturers ceased selling and marketing this type of laser.
  • IPL (515 to 1200 nm) – These are not lasers, but rather intense pulsating light. Different from a laser, which is monochromatic with one collimated beam, intense pulsed light (IPL) is not monochromatic. It is not collimated, and is therefore quick to spread out and makes this system less effective in the treatment of hair removal.

It is imperative that skin care professionals ask the correct questions to get an understanding of their client’s reaction to the sun and beauty treatments. Clients should be required to provide detailed information of their medical history, conditions, allergic reactions, medication, and history of temporary hair removal used. It is important to female clients if they are pregnant or planning on becoming pregnant, if they are breastfeeding, or take contraceptives.

Having clients sign an informed consent form at the time of the first treatment is crucial. Many practices also have a series of lifestyle questions that ask their clients each and every time they are treated. For example, the practitioner may ask the client about sun exposure or medication changes (to name a few). By having the client sign this form each time, they are confirming that the information collected is true and accurate. This is a way to avoid any lapse of communication between the practitioner and client.

Aftercare is crucial for proper healing and minimizing the risk of any complications that may occur such as: edema and erythema; short term, mild burning sensations; temporary bruising and blistering; and allergic reactions.

Immediately after laser hair removal treatments, it is common to see redness and bumps at the treated site. It is normal for the treated area to feel like sunburn for a few hours. Some skin care professionals recommend aloe vera gel or other after-sun treatments. Darker-pigmented clients may have more discomfort than lighter skinned clients. It is important to avoid sun exposure to reduce the chances of hypo/hyperpigmentation. Sunscreen of SPF 25 or higher should be worn after treatment.

The epidermis has the ability to heal itself; however, in the event of epidermal blistering, it is recommended not to apply makeup to the area. To minimize scabbing, it is important to avoid scratching or picking on the treatment site. Microdermabrasion, AHA, BHA peeling, or granule exfoliants should also be avoided directly after treatment. Clients may shower after their treatment by using gentle soap and warm water. They should pat the skin dry without rubbing. It is a must that they avoid Jacuzzis, public pools, and steam showers for 24 hours after being treated. It is important that clients understand that they need to follow these after-care instructions to avoid any problems after treatment.

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At Ageless Medical, we provide advanced, FDA-approved aesthetic treatments to help you defy aging while maintaining a natural appearance. In our luxurious, state-of-the-art spa atmosphere, our experienced medical practitioners have safely performed cosmetic treatments for more than a decade for thousands of satisfied patients in South Florida. We stay on top of the latest, most effective, research proven technologies and treatments that allow patients to reverse the signs of aging and meet aesthetic goals.


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Press Releases

AGF Changes Risk Rating for AGF Global Sustainable Growth Equity Fund

September 26, 2016 • Announcements

Effective today, AGF Investments Inc. (AGF) is changing the risk rating of AGF Global Sustainable Growth Equity Fund (Fund) from “medium-to-high” to “medium”. This change is reflected in an amendment dated September 26, 2016 to the Simplified Prospectus.

Risk Rating Methodology

AGF follows the risk classification methodology based on the approach recommended by the Investment Funds Institute of Canada. Following its review, AGF has determined that it is appropriate to reduce the risk rating for the Fund from “medium-to-high” to “medium”. No material changes have been made to the investment objective, strategy or management of the Fund.

The methodology used by AGF to identify the risk rating of each mutual fund is available at no cost by calling 1-800-268-8583, emailing, or writing to AGF Investments Inc. – Client Services, 55 Standish Court, Suite 1050, Mississauga, Ontario L5R 0G3.

About AGF Management

AGF Management Limited is one of Canada's premier independent investment management firms with offices across Canada and subsidiaries around the world. AGF's products include a diversified family of mutual funds, mutual fund wrap programs and pooled funds. AGF also manages assets on behalf of institutional investors including pension plans, foundations and endowments as well as for private clients. With over $34 billion in total assets under management, AGF serves more than one million investors. AGF trades on the Toronto Stock Exchange under the symbol AGF.B.

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Media Contact

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Phone: 416-865-4160

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Phone: 416-865-4320