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Daily Prompt: The Normal

The Real Normal

The Normal–a Coincidence–a Good Thing, A Bad Thing, Neither?

It’s more than coincidence when the daily prompt request, “The Normal,” falls on the heels of the end to a 7-week teaching series at my church on “The Real Normal.”  So, feeling compelled to respond from a higher authority, and with the help of my church teachers (Robert Hahn and Ann Edwards) and note taking daughter, I have summarized what we learned about “being normal.”  For those who want to hear from the teacher, I also have included the 30-minute podcast for each week’s topic.

The Real Word –

To understand what God says is ‘normal,’ we need to understand why the Bible is the only reliable source of eternal truth. We say we believe the Bible, yet we often knowingly and unknowingly reject its most basic teachings.  We learned why accepting that The Real Word is the only path to The Real Normal.

Some people think the Bible is irrelevant and out of touch, so they do not take it seriously. They think believing in God is one thing, but believing and reading the Bible is not normal.

At Chesapeake Church, we believe the Bible is the authoritative source on how people should live. We believe that Christian living is normal; that full devotion to Jesus Christ is normal. We believe the Bible is the Real Word and it is real reliable. To understand this, we need to understand oral tradition and the fullness of time.

In Jewish culture, oral tradition is as reliable as scanning a document. For them, knowing the first five books of the Bible (their “Torah,” or the “books of Moses”), is critical. They serve as the foundation and the full expression of how God’s people are to live. They were written by scribes and defined who they were as a nation.

The time between the last book of the Old Testament, Malachi and the first book of the New Testament, Matthew was 400 years. It is referred to as “the 400 years of silence” because there were no prophets. During that time, God was silent, but not dormant.

During those 400 years, communication via a single language (Greek) was established and travel was made easier by the creation of a road system. Both of these allowed for information to spread freely.

Then Jesus arrived in the fullness of time (Galatians 4:4). He was born, lived, taught, died, and rose from the dead. Within 30 years, the Gospels were written and within 100 years from the death of Jesus, copies of the Old and New Testament were available in the common language.

Institutions of higher learning teach from the writings of historians and scholars like Plato, Herodotus, Aristotle, and Homer when few original copies of their writings exist. 24,000 original copies of the Bible exist. Not accepting the Bible as reliable is an uneducated stance. (Check out these charts http://chesapeakechurch.org/uploads/20130406therealword.pdf)

God’s word reins and is the center of our lives. The Bible is God’s promises to us. They are real and immeasurable. Live the life.

The Real Problem –

We all sin. It’s that simple and yet it’s so difficult to deal with. The Bible teaches we’re not sinners because we sin, but rather we sin because we’re sinners. Every struggle in our lives can be traced back to that truth. No matter how we try to rationalize the troubles of life, ever since Adam & Eve, one thing remains clear: sin is The Real Problem.

The Real Love –

The Bible says that God is love (1 John 4:8) but that doesn’t mean anything done in the name of love is of God. In this teaching, we looked at how the Bible says we are to express love by looking at the source of love, the God who so loved.

 The Real Reason –

People are sexual beings; God created us that way. But does that mean anything goes? Is anything between ‘consenting adults’ of God?  We studied the Bible and learned that God gave us physical intimacy for a purpose – His purpose.

 The Real Mom –

In a contest of which job description has gone through the most change over past decades, the role of the mom has got to be at the top. In this week’s lesson, we honored moms everywhere and learned that being a “mom” isn’t a job.  That it’s a calling intended to fulfill a specific purpose in God’s eternal plan.

The Mother’s Day message is simple. The perfect mom is not the real mom and the real mom is not the perfect mom.

God didn’t design us to be perfect, he designed us to teach and help and pave the way for future generations. We will tell the next generation the praise worthy deeds of the Lord, his power, and the wonders he has done (Psalm 78:4). Likewise, teach the older women to be reverent in the way they live, not to be slanderers or addicted to much wine, but to teach what is good. Then they can urge the younger women to love their husbands and children (Titus 2:3-4).

The Real Joy –

“Doesn’t the Bible say that God wants me to be happy?” You may have heard that question – you may have asked it. But the answer may surprise you. Rather than happiness, which the Bible doesn’t promise, God desires us to have joy and even better, He wants us to be joyful people. There’s a big difference.

Joy seems to be in short supply. It’s hard to stay upbeat when you’re facing difficult circumstances.

Philippians 4:4 tells us to always be full of joy in the Lord. The apostle Paul was no stranger to difficult circumstances, yet he had joy. He knew it came from Jesus Christ. Paul knew joy is not the absence of problems. It is God who is with us during difficult circumstances.

Real joy comes with the presence of God. Zephaniah 3:17 explains that joy originates with God. In John 15:11, Jesus tells us that as we get to know Him and do life with Him, we will have joy that is overflowing.

Thank you Ann Edwards for instructing us that no matter our circumstances, we need to bring joy.

“That’s not normal!” “It’s normal now!” “Welcome to the new normal!”

Just what is ‘normal’ and who says so? We, at Chesapeake Church, say that ‘full devotion to Jesus Christ is normal,’ so when it comes to how we live, we turn to Him and His Word for direction. Normal isn’t new – it’s eternal. Welcome to The Real Normal.

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Square Panda = Phonics Fun!

When I was a kid we had magnetic letters that stuck to the fridge and we would play spelling games while mom made dinner.  When my kids were little we had this cool battery operated spelling toy that spoke to them and played games.  Today; we have evolved into a great way the learn the letters, their sounds and build your 3 year olds’ vocabulary all with our friend the iPad.  Square Panda is quite honestly a fantastic addition to my nephews world.

Super easy to get going: you download the apps – currently there are 10 including bowling, lagoon and letter lab and of course more on the way soon!  You will then be guided through the process and on your way to learning fun!  I just want to point out that while your child is on-screen bowling, inventing and experimenting they are totally learning along the way.  Check them out!

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Adam Silver -

Adam Silver Bio, Childhood, Family, and Education

Adam Silver was born on 25th April 1962 in Rye, New York, United States. His father name is Edward Silver and his mother name is Melba Silver. Throughout his childhood years, he grew up in the suburb of Rye in Westchester County.  Additionally, he was the fan of New York Knicks growing up. He was raised along with his two brothers: Owen, Erik and two sister Emily and Ann. Likewise, he attended Rye High School. In addition, he later graduated from Duke University in 1984. Eventually, he received a J.D. degree from the University of Chicago in 1988. Adam holds American nationality and his ethnicity is unknown. He has 6 feet 2 inches height and has unknown weight. He has dark brown hair and eye colour. His zodiac sign is Taurus.

Adam Silver Career

Adam Silver began his career as a litigation associate at the law firm Cravath, Swaine & Moore. Additionally, he also worked as a law clerk to Judge Kimba Wood. Eventually, he served as NBA Deputy Commissioner and Chief Operating Officer in NBA for eight years. He was also the President and COO of NBA Entertainment for more than eight years. He was endorsed by David Stern to be the next NBA Commissioner on October 25, 2012.

Also Read  Augusta Birney: Bio, Childhood, Family, Education, Career, Relationship and Net Worth

Furthermore, Silver also serves on Duke University’s Board of Trustees. Additionally, he also serves on the board of the Lustgarten Pancreatic Cancer Foundation. Adam has worked as an executive producer of the IMAX movie “Michael Jordan to the Max.”

Additionally, Adam received the 2016 Distinguished Alumnus Award from the University of Chicago Law School. In addition, he was ranked Silver No. 1 on its list of the 50 Most Influential People in 2016 in Sports Business.

Adam Silver Relationship

The 56 years old, Adam Silver is a married man. He is married to Maggie Grise. The pair were first introduced by a mutual friend. They later married in May 2015. The couple welcomed their first child, Louise Burns Silver in 2017. Their marriage is going strong as there is no news regarding any extramarital affairs at present.

Adam Silver Net Worth and Online Presence

The American lawyer and businessman, Adam Silver has earned the decent income from his career. He has a net worth of around $30 million USD. Adam is active on Instagram. He has over 385k followers there. However, he is not active on Facebook and Twitter.

Also Read  Cassandra Peterson Bio, Family, Relationship, Education, Career and Net worth


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OK LinkedIn members, here is where your input is requested, Please. I find it hard to believe that customer service, the core of the body to any company or corporation to keep it standing tall (like the human body), use invasive scripts that employees are trained to repeat verbatim. Believe it or not, script reciting, reading and repeating a written dialog that the company or corporation believes will relay their message to the customer in a uniformed manner, are becoming a thing of the past.

It is time that good customer relations consist of the following items that will befriend the customer, instill trust in the customer and resolve every issue without conflict or hostilities. When you read this you will see that these are simple things we have been taught to do as children but in our busy, meetings, deadlines or quotas and making your boss shine daily duties this will relieve your stress!

1) Greet every call or customer like it was your mother’s first visit to your house. When mom comes to your home for the first time, you have dusted, cleaned in areas of the house you had forgotten existed but she was not going to find one lick of dirt or anything out of order. It is “Yes Ma’am, No Ma’am, Please and Thank You”. Treat your customer like this in every encounter. “Good Morning Mrs. Rogers, This is New Times CU and we are contacting you about assisting you in resolving your overdue credit card debt. Do you have a moment for me to assist you?”
You have now allowed the customer to know your reason for the call and to know you are here to help them.

2) Allow the Customer to provide you with input. Most of the questions on a script can be answered by asking simpler less invasive questions. The right single question can answer multiple questions on the script. Let the customer freely talk to you. Show concern and genuine compassion for their issue. They may have had a loved one just pass and they are the only income in the household. The script asking why can’t you pay your bill, are you having financial problems (apparently!) all frustrate people when they are struggling. They want to be heard.

3) Provide Resolutions – To the companies and corporations, have more than the generic “Pay or lose it” mindset. Everyone is not as prosperous as others and when hardship occur patience and resolutions are needed. Design a payment plan or deferred payment to allow your valued customer time to remain your valued customer.

4) Please and Thank You goes a long way – “May I have your Customer ID?” or “May I have your Customer ID, please?” Which would you rather have your representative say to you when they answer the phone to resolve your issue? Most would say please makes the difference. It was taught to us as a child but now we are grown. We don’t have to say please or thank you anymore. I say please and thank you to my children and everyone because that is how I was raised. It is also a sign of respect. We want respect but not willing to give it.

It is time for Customer Service Representatives, Customer Care Specialist, Receptionist, Debt Resolution Expert or any position where you deal with Customers (internal and external) to put yourself in the customer’s shoes. Remember everyone does not have a $7 – $12 an hour job with raises every year and tax incentives. And some of those who are making that kind of money with the benefits are barely making ends meet as well. They also need this new breed of Customer Relations Expert.
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December 14th, 2012

Readers hair care questions Answered by Professional Hair Stylist, Danielle Golburgh

Kara wrote: “I have Split ends! Ugh. And if I pick them do they really get worse? Any advice?” Danielle:  ”Please, DO NOT split your ends! Doing that splits the hair further up the strand, causing breakage.  Instead, go for regular trims and get yourself a professional protein shampoo and conditioner, such as Kerastase Bain Force Architecte shampoo and Masque Force Architecte mask...
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147 – Shen Wu and Ting Li of Little Red Book – An Instagram for China with a Real Buy Button

Social platform in China with a real buy button…

Little Red Book 3Shen Wu (Head of Strategy) and Ting Li (Head of Business Development) of Little Red Book (or Xiaohongshu ), an online shopping site and lifestyle platform which connects overseas merchants with local buyers, joins Pavan Bahl, Rob Sanchez, and Marc Raco on location at the 2016 Fashion Tech Forum.

Wu and Li discuss the objective to close the biggest gap for middle class in everyday brands, particularly brands without real marketing budgets in China, why the initial idea was developed, where initial density of activity and content sharing was, and whether the shopping or the social aspect came first?

A flatter world, big revenue, and global experiences

Little Red Book 1Why “the world is flatter” with brand loyal customers already in China on the platform, accessing next generation of Chinese commerce, technology integration so Chinese customers will mirror US customers, international logistics, giving business direction in China to brands, how Little Red Book is a big ecommerce store with $50-60 million in revenue monthly primarily in cosmetics and personal care, their fully owned warehouse and logistics, and how they launched brands on the platform. The surprisingly low ticket size, predicting purchasing vs. holding inventory, the “end goal”, and the target of brands emerging to China.

Possibility of providing data as well as moving volume, genesis of the name associated with a dream of global experiences, freedom and degree of censorship of marketing content on a Chinese social platform, and Rueben sandwiches and bagels.

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10 Ways You Can Purchase Online With out A Credit score Card

It relies on what kind of loan you want, in addition to how dangerous your credit score is. A secured credit card is an effective possibility, although you want the money reserves for the collateral and the credit line is usually not going to be that prime. One motive the APR on LendUp loans is so excessive is as a result of the loans are for such a short interval. There are personal loans which were uniquely designed to help you get the funds you need when you need them. I would not have the very best credit and I was nonetheless authorized, although I have received the mortgage every year. Some seniors use payday loans once they find themselves brief on money or in between retirement checks.

Once you understand how a lot each of your money owed prices go through and determine what you can do away with to attenuate your debts, improve your credit score rating, and possibly start living at a level which you could sustain with out taking out the $5000 mortgage. Related preparations exist for academics, like the Trainer Loan Forgiveness Program and the Teacher Cancellation for Perkins Loans Program. Another common kind of mortgage is a longer term loan that you just get by pledging collateral Automotive title loans , for instance, can help you borrow towards the value of your vehicle.

However, some lenders have realized this flaw in their providers in direction of potential borrowers with bad money owed and hence, they have introduced the idea of particular class loans such as the unhealthy debt instantaneous approval private loan. Typical that means from one of the the three major credit bureaus Experian, TransUnion, and Equifax. Pupil from any state can apply for federal loans so long as they show they’re in need of financial assistance.

The payment on this mortgage is a bit expensive in comparison with the same old curiosity on credit charged by the banks. Some employer do not log in on-line everyday or some usually are not but registered online. However, client safety businesses and watchdog organizations have acknowledged the equal dangers that long-time period no credit score examine lending causes, since they both ultimately prey on people who will likely by no means be capable to afford to repay their unique debt.

Credit Manager Jobs In Houston, TX

Farm Credit Bank of Texas (FCBT), a co-operatively owned wholesale funding financial institution, has licensed Misys’ loan origination and credit workflow administration resolution integrating it with its current core mortgage servicing resolution, Misys FusionBanking Mortgage IQ. This may allow the financial institution to streamline the process from origination all over to mortgage closure. We acquired a letter and several calls from a debt collector about out debt to our telephone company. Three Indian groceries (eventually rely) and plenty of stores promoting Indian clothing, cookware, spiritual objects, and more, all at extremely cheap costs. Rules and insurance policies governing the required discover to finish a lease will fluctuate from state to state and from company to firm; nevertheless, you may expect to at all times have to present some sort of advance written notice.

With deep area expertise, our company partners and C-level administration have a combined a hundred and twenty+ years of experience in the Finance & Accounting (F&A) industry. The brand new company HR rep called me and informed me that I had given improper information and they did not hire me. I know that right now, someone is feeling the stress of Credit Card Delinquentcy and Default. Let me repeat this, as a result of its vital: PAYING COLLECTIONS DOES NOT ELEVATE YOUR CREDIT SCORE RATING.

Many shoppers don’t know that it is comparatively simple to stop assortment calls: you solely have to write and notify the debt collection agency to stop getting in touch with you. Because of this, these loans would not rely towards a credit score union’s aggregate member business lending (MBL) cap of 12.25 percent of property. They’re additionally chargeable for ensuring day-to-day management of client accounts, and for guaranteeing buyer satisfaction with products and services.

The very first thing I advised the judge was that I had no enterprise with Midland and my paid up debt was with Chase. Assuming the debt assortment businesses have been unable to validate the debt then you contact the three credit bureaus and fasten all of the copies I mentioned making in addition to sending copies of your signature affirmation the place you mailed the letters to the debt collectors. A surprising variety of employers, usually small companies, are uninformed about laws that impact completely different facets of their enterprise, akin to employment regulation.

To add salt to my wound, I acquired served on the 18th of January 2008 by the identical collection agency. Account management refers to regulate of revenue and loss from sales, and account managers are chargeable for developing and maintaining key enterprise relationships for an organization or group, and for negotiating gross sales contracts and securing/closing sales. They mentioned they’d report back to CMI the account was paid, but my fear is that CMI will present the collection as paid and never remove.

I advised the underside-feeders at Mudland that I had disputed both accounts, and requested that they cease bothering me. They did stop bothering me, however of their contemptible and spiteful manner of doing enterprise; are reporting my two disputed accounts to all three credit score bureaus of their sleazy effort to harass me and affect my credit scores. The median asset dimension for a credit union with a sweep account program was $901 million, while the imply asset dimension was $2.5 billion.

Ask them for a brochure on their firm the place you can look it over and purchase over the internet. One wonderful factor I had realized in my listening and studying of oral histories of the Vietnam era in School Station, Texas was how interested the families of cadets and others on the college had been when offered opportunity to public debate and talk about the warfare, particularly after the Tet offensive of 1968.

Credit Card Processing, Merchant Solutions, Payment Processing

There are distinctive billing techniques employed by a certified interior designer to charge consumers for services rendered. In the eCommerce arena, their CyberSource Essentials all-in-one package is one of the most experienced and versatile payment gateway options. Pros and cons: The advantage of applying a merchant services provider is that it can fulfill a business’s credit card acceptance needs on its own. The reality of credit card transactions are a much more safe form of payment than other individuals is proved by the issuing bank commitments to spend the merchant.

No Credit Check Payday Loans

Constructive And Unfavorable Aspects To Look at Before Borrowing Same Day No Credit Check Loans! Like I say it is imperative to check items out in depth and not assume that since you get a visa for a job based on quals for that job that you will be able to use that as a springboard on to the next issue. Any person could apply for anytime or anyplace for such loans if he or she meets certain eligibility criteria. Unexpected circumstances in the past could have left you with a poor credit rating.

Due to the fact Loans Simple specialises in offering private loans, our monetary consultants have a lot of knowledge handling emergency loans no credit check. So, even if you receive Centrelink advantages as earnings, have defaults registered against your name or have a history of bankruptcy, you are more than welcome to apply. Though Melbourne and specifically Sydney have a vibrant gay and option way of life scene – this is nevertheless not the norm in most of Australia or even in cities such as Perth and Brisbane.

SAP FSCM (Credit score Management) With S

Medical debt could be a big downside for these trying to build up their credit scores to purchase a home. Whilst you’re working towards building an emergency fund, saving for a down cost on a home or automobile and setting aside one thing for retirement, do not overlook one other important aspect of economic planning – taking care of your credit score. Our Credit and Debt Management Video Programs educate Individuals how one can turn out to be Debt free. First, as a result of Federal legislation requires a person’s identification be verified which incorporates your social safety number and driver’s license number.

We offer members rock-bottom costs for prime-shelf high quality here, since revenue is not our motivation; our sole interest is our member’s excellence in preventing fraud and maximizing profits for his or her company. When you’ve got declared chapter or have trashed your credit score after going through a divorce, you could not be capable of get the utilities turned on with out a huge deposit or get an condo with out placing down a number of months’ value of hire.

Throughout a national recession, the poor credit test result could also be much more meaningless and hopefully dropped by some firms. In the Video Course, I stroll Consumers step-by-step through the process of negotiating Credit score Card Curiosity Rates Decrease. Though Citibank’s attorney had not expressly pleaded breach of contract as a explanation for action within the trial court docket, the appellate court docket held that it had however happy the honest discover customary, which applies to trial courtroom pleadings in Texas courts.

Here is one other assortment of what’s being published about training View my Flipboard Magazine. He acquired his legislation degree from the University of Texas and his doctorate from Harvard Graduate College of Schooling. On February 6, 2012, a Texas judge ordered Robinson to vacate the home within every week. In line with The New York Occasions, card companies will typically accept as little as 20 percent of the steadiness-an eighty p.c savings and a great solution to stop credit card debt.

Every agency has a distinct system of software and there’s no widespread components for the wording of a Guarantor Agreement. Nonetheless, I used to be as a consequence of start my new job yesterday however on Friday, I had a phone call from my potential employer withdrawing my supply. It’s used by executives and senior managers to predict the future of the company and this technique presents information from both external and internal sources.

If the corporate does not respond in 15 days, the grievance narrative can be revealed. Even a default judgment on an otherwise legitimate authorized idea under Texas law (breach of contract, account stated) may be attacked in a timely appeal or restricted enchantment if the creditor’s pleadings was faulty, or arguably insufficient to satisfy the honest discover normal. JPMorgan Chase Bank, N.A. (Columbus, OH) Line of credit and word suits, biz accounts to not be confused with Chase Bank USA, Nationwide Association (Wilmington, DE), which is credit card financial institution; each are subsidiaries of JPMorgan Chase & Co.

Reworking the environment to something optimistic and productive initially proved difficult nonetheless, over the course of time, workers started to belief Bethune and his administration workforce. Nonetheless, over time, I had come to study exactly how a lot lenders and credit score administration firms were making every year. Company America NEEDS PEOPLE TO HAVE ADVERSE CREDIT as a result of they Revenue from it. The more serious the credit the higher the interest rate.

Credit Manager

If you happen to’re searching for an honest evaluation of Novae Life, you’ve got come to the precise place. I signed up with them four months ago, however obtained a letter right this moment that my protection has been denied because of my credit score rating. Not only is she very knowledgeable relating to the laws and Family Credit rules and regulations, she is nice, well timed in her responses and very respectful. If you are visiting our web site for the primary time, you might be likely a group financial institution govt on the lookout for the best independent credit danger administration organization within the western United States.

Smith and Schnucker (1994) recognise the classical image for factoring, which pertains to companies with money-circulation administration problems. Coming from somebody who’s a member of the working poor class… ya.. I make Liquid media for Med’s and analysis. Household Credit score is a very professional organization and always responds instantly to questions or request. All of the above groups work together as they’re all carefully associated and have cross companies.

They are going to want to see that you have had experience with credit score and have made on time payments. If you are on the market right now looking for any sort of loan/amount of your alternative at low interest rate then i need to advise you to contact Mr Nathan Dylan now through his e-mail ([email protected]) in securing a quick and simple mortgage today with out no credit examine. I worked in retail for over 10 years, I process bank card apps there as well as in my present position.

I ended using bank cards when I realized it is more beneficial for me to have a monetary institution having my cash earning curiosity. US Bank additionally gives numerous companies equivalent to Web Banking, Invoice Pay and Cellular Banking. I observe that the hyperlink warning of adjustments in the Fines Regime that TPL has had posted for over a yr on their online Accounts management pages, doesn’t mention this essential change in coverage.

In your responses you gave me no indication as to your place on the opposite point I raised a couple of letter from Constitution concerning any credit blemishes that may have resulted from Charter’s fiasco here. We can present credit studies which are freshly investigated on the time of the request. Recommendation: For those who determine to cancel Jitterbug service from GreatCall, make sure you contact your credit card firm and tell them to refuse all additional automated expenses from GreatCall.

The Graydon Group is owned by three of the world’s largest credit insurance underwriters: Atradius, Euler Hermes and Coface. Shoppers additionally complained about corporations’ selections to shut deposit accounts, noting that no purpose was offered for the motion. Whether you need a home mortgage or student loans, US Financial institution offers varied types of loans resembling Mortgage loans, House Fairness loans, Auto loans, Personal Line of Credit loans and Scholar loans.

This was an AP/IB class filled with good students, but after we realized the teacher either did not discover or did not call us out once we ate in class, youngsters started opening snacking throughout instruction. NOW, ship me the official notification of credit score of $199.00 and exhibiting that the whole now due is now $114.23 together with the letter I requested indicating that I am not chargeable for any credit score delinquencies with respect to this matter and likewise indemnifying me from any obligation to pay CMI anything with regard to this matter and I’ll pay the bill.

Online Loans No Credit score Verify

It is positively wonderful how many individuals put up with all the charges many banks and different monetary institutions attach to their financial savings, checking, and credit card accounts. This article will train you to do what I did – it should educate you learn how to quickly fix your a bad credit score. I’ve heard of banks working pre-employment credit checks before hiring money handlers as a result of there has been a link between tellers who steal money and tellers in need of debt aid. The outdated methods of a person lining up at the money stores for credit advances are lengthy gone.

It just means we aren’t judging you adversely purely due to your credit score history. Banks and monetary establishments in India do not supply No credit check loans however they do offer loans that one can avail with a low credit score. Profession Coaching Mortgage through Sallie Mae – it is a good example of an alternative loan that offers enticing options for debtors with no credit or lower than good credit score – provided a cosigner is present.

I’ve believed for some time now that credit score checks are a blatant violation of privateness, and am blissful to see that many states are making them illegal. Borrowers are protected against an unscrupulous direct lender who may be taking advantage of the rising popularity of non-public loans being secured over the Internet,. You can order a free copy of your credit score file from the main credit reporting companies in Australia.

You will restore your credit history and be in a stronger borrowing position for future purchases. One other means for college kids to get their hands on no credit score examine scholar loans is to think about choices with their state. This program was started by the US Housing and Urban Development program (HUD) as a way to allow Individuals with horrible credit (or no credit) to own a house.

As you can tell with a majority of these names signature loans are riskier for the banks and due to this fact they charge a higher rate of interest so that they will make up for the cash that they lose on non performing signature and other loans. Thus, a verified bank account is a necessity if you want to get the payday loans with out vising the direct lender personally. In a conventional private loan, banks or credit score unions verify your credit score and income and lend to you in the event that they imagine you’ll be able to afford to pay them back.

This product has a pay again taken over several instalments as opposed to payday loans that must be repaid on the borrower’s next pay cycle. The corporate makes a speciality of secured loans, though unsecured loans are additionally out there. Having the identical account open for a number of years additionally lengthens your credit historical past, which has a positive impact on your score. But by the time I started attempting to get out of debt I had 45k on 4 credit cards and all of them were delinquent.

How To Get Your First Credit score Card

Blitz Credit score Administration specialises in commercial and client debt assortment , credit score info and outsourced receivables administration services. No matter whether you’re employed for an organization or You build your individual business, Operations Administration supplies plenty of helpful business ideas and tools. They negotiated with our bank card firms to get us a low (1.9%) or 0% finance charge price and arrange a fee plan that may allow us to be free of those debts at the end of the 5 12 months interval. Mainly, it means that the court and the events have agreed to parameters for defining what consumers are included in the class motion and what the phrases of settlement will be.

The court docket concluded that the main challenge” establishing commonality, typicality, and predominance is whether or not CMS’s complaints within the form of Exhibits A & C and discovery requests in the type of Exhibits B & D violate the FDCPA and/or NCPA.” Powers, 2013 WL 3716412, at 4, 7. The court did not conduct a rigorous evaluation” of what plaintiffs must show to prevail on their facial invalidity theories.

In business therefore, credit is the belief given or taken in trade for money, items, or providers but, Richard Mayungbe, certainly one of Nigeria’s leading credit score students outlined credit because the granting of the buying power of 1 party to the opposite party for the purpose of creating wealth , but for a promise to pay again at an agreed future date. Waive off mostly depend on financial institution to financial institution and your utilization of credit card in addition to your credit historical past.

As soon as a debt is lodged, we continue to maintain you knowledgeable by our safe on-line debt management system out there 24 hours a day. This is one space where people with good credit score history typically get caught up on. The mortgage officer is going to look at all of your money owed and then evaluate this to your income. A discount in Credit Administration Prices, non-biased danger assessment, Permits focus on the growth of your core business, skilled credit professionals managing cashflow.

In addition to these, it should also help managers and directors coming as much as know the importance of debt management to a agency and that a high stage of solvency and liquidity will be achieved or relatively maintained the place there may be good debt management. Obviously, it’s best to avoid these, but when one among these show up in your credit historical past and you’ve got a reasonable explanation for it, let the mortgage officer know.

Training Secretary nominee Betsy DeVos and her husband have in depth financial holdings through their personal investment and administration firm, RDV Corporation. It manages within the region of £3 billion of property on behalf of purchasers, collects on average £47 million per 30 days on portfolios it either owns or companies on behalf of clients, and has delivered a constantly robust financial performance, having grown its enterprise in each of the final 18 years with out exception.

However, what matters to class certification ․ will not be the raising of common ‘questions’—even in droves—but, somewhat the capability of a classwide proceeding to generate frequent solutions apt to drive the decision of the litigation.” Dukes, 131 at 2551 (citation omitted; emphasis in original). Consultancy supplies a superb stepping stone into a undertaking management profession. Nebraska lawmakers, after all, didn’t set out to turn the Cornhusker State into the Lawsuit State.

Auto Insurance Without Credit Verify Companies

The supposed function of the car horn is to alert another driver to some condition on the street. It all makes more sense why some individuals would buy greater insurance coverage than others. I also recheck my charges when insurance policies are due with a number of insurance coverage brokers by way of e mail to make sure I am getting one of the best rates. Insurance agents generally work on commission only basis, so my guess is that you’ve some base salary that you receive. It may be best to take a lump-sum money fee, put the money in the financial institution, and get in touch with a professional financial advisor.

You should all the time preserve your receipts and evaluate them to your insurance coverage firm’s explanation of benefits. Placement is essentially the most dangerous step within the money laundering course of for the launderer because it entails the precise, physical movement of illegal money and the step most intently associated with the crime. As lengthy it prices lessto borrow in opposition to them than what they earn it can increase the quantity an investor earns.

At fault marks in your insurance coverage record from any automobile accidents you had been in could increase yearly car insurance coverage rates. Insurance company claims departments make use of numerous claims adjusters supported by a staff of information administration and knowledge entry clerks Incoming claims are classified based on severity and are assigned to adjusters whose settlement authority varies with their information and expertise.

The regulation prohibits brokers from offering reductions on an funding or mortgage, or providing any sort of present, to encourage you to buy life insurance coverage. Comply with the above procedures, however you might also want to contact the Motor Insurance coverage Bureau of Eire (MIBI). The vast majority of economic counselors that I read say to purchase term insurance coverage (which is way less expensive) and make investments what you save, until you’ve got saved up sufficient to be self-insured.

The deductible is the quantity you pay on a loss before the insurance coverage company kicks in cash. Policies are bought that enable for the transfer of helpful possession pursuits with out the data and consent of the insurance coverage issuer. A customer terminates an insurance coverage product early, including throughout the free look period. They will advise you from an unbiased place in issues of insurance coverage and some will also assist you in making claims, ought to they come up.

The third and ultimate stage, integration, includes placing the money back into the financial system disguised as professional business earnings (securities, companies, or actual estate) and mixing it with other belongings so it cannot be distinguished. One other couple of suggestions – don’t Ever Ever lie or bend the reality when making use of for insurance coverage – you’ll just invalidate any claim and be throwing your cash away.

Terrible Credit Loans

A inexpensive payday loan with low interest is really hard to come by, considerably significantly less a individual one particular with no income verify. For these people today who may also have terrible credit history, there are not quite a few strategies for blacklisted individuals to have a checking account. You will face numerous restrictions on financing your auto if your credit score is less than the best.Financing is a higher threat venture now additional than ever. While on the internet loans do have greater interest prices, your lending fee are capped considering the fact that the payback period is 2 weeks to 4 weeks ordinarily.

They offer short to medium term loans, such as on the web payday loans below 1000 dollars, month-to-month payday loans with no credit check and month-to-month installment loans for undesirable credit. The loans are especially straightforward to avail, since the private lenders do realize the plight of the borrowers in the face of the rising costs. Since such verifications can delay the transaction, finest rated lenders normally lessen their usage unless needed and attempt to approve cash loans rapidly due to the fact you may require reputable low charge financing quickly.


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Surging Buffalo adopts Oats’ fearless, unfiltered approach

AMHERST, N.Y. (AP) — Coach Nate Oats stood beneath the basket with his arms folded, watching the chaos of his Buffalo players practice at their usual frenetic pace.

Arms flailed. Rubber squeaked. And then came the thud of bodies colliding and falling to the court, as backup freshman Jeenathan Williams slid past Oats after sinking a layup. Williams immediately jumped up and spit out a profanity, criticizing star guard CJ Massinburg for allowing him to score.

Oats stood unmoved, smiled and said nothing, allowing his players to sort things out for themselves.

“I like them guys going at it,” Oats said later. “It shouldn’t be easy on CJ in practice.”

The 16th-ranked Mid-American Conference Bulls (16-1) didn’t get off to their best start in school history — including wins at West Virginia and Syracuse — and put themselves in a position to secure a fourth NCAA Tournament berth in five years by being soft and unaccountable.

It’s a reason why Oats welcomes an occasional dose of conflict to practice, because it underscores the relentless, fast-paced, free-wheeling style he’s demanded from his team in the four years since taking over following Bobby Hurley’s departure.

“I don’t want to play scared,” he said. “Get your mindset to where we’re going out to crush people. We’re going to hunt.”

No shot is a bad one. And no opponent too imposing, as reflected in Buffalo’s challenging non-conference schedule, which included a 103-85 loss at Marquette last month. Oats prefers toughening up his team rather than pad the record with pushovers.

“I think life in general, if you’re scared about stuff, you’re not going anywhere,” he said.

Oats also shows an unfiltered style.

After a 30-point win over Toledo last week, in a rematch of last year’s MAC tournament championship game, Oats bluntly noted how Buffalo “demolished” a good team.

Then there was last month’s game at regional rival St. Bonaventure where Bonnies fans looked forward to welcoming Buffalo by chanting “We want UB!” in the final minutes of their preceding 82-40 rout of Siena. The Bulls had barely left St. Bonaventure following their 80-62 win, when Oats posted a note on Twitter, saying: “Be careful what you wish for.”

It’s no coincidence Buffalo’s senior-laden players have adopted their coach’s mentality.

“We’ve got guys like that on our team who have a fearless mentality no matter who it is, who we’re playing. We’re going out to win,” senior forward Nick Perkins said. “I think that’s something Nate instilled in us these last four years.”

That was evident during Buffalo’s tournament appearance last year, when the 13th-seeded Bulls opened with a stunning 89-69 romp over Arizona, before a 95-75 loss to Kentucky.

Perkins still thinks the Bulls could have beaten Kentucky had they played better on defense.

“We lost that game because of us,” he said. “It had nothing to do with them.”

What’s striking is the 44-year-old Oats’ fast-track trajectory.

In six years, he’s gone from coaching at a suburban Detroit high school to landing a job on Hurley’s staff to overseeing one of the nation’s top mid-major programs this season.

In his first year alone after Hurley left for Arizona State, Oats led Buffalo to its second consecutive tournament appearance. He did so while dealing with the personal concerns of his wife being diagnosed with cancer, and having his best player, Justin Moss, expelled after being arrested for robbery.

It took former athletic director Danny White two days to promote Oats following Hurley’s departure. Continuity was one reason, as Oats was responsible for recruiting a majority of the players. Oats was also familiar with running a program, having spent 11 years transforming Romulus High School into a state power.

Oats considers himself fortunate and credits White for having the courage to take a chance on someone with no Division I experience.

Now the question becomes how long Oats remains in Buffalo before a major college lures him away.

Athletic director Mark Alnutt acknowledged he doesn’t have the budget to get into a bidding war. What gives him hope is how much Oats and his family enjoys Buffalo, and how the coach is already making plans for next season.

“It’s my hope and my intent that whatever we can do to continue to make Nate feel appreciated and continue to have him understand the commitment to basketball here,” Alnutt said. “It’s not a dollar-for-dollar match, but it’s an opportunity for us to continue what we all think this program can be, a Gonzaga of the world.”

Oats can envision building Buffalo into a perennial mid-major contender, as Mark Few has done at Gonzaga.

“I’m in a great spot. If I keep winning and something unbelievable pops up that I can’t turn down, then you look at it. But I’m not running to anything,” said Oats, who last summer purchased a $1 million home overlooking the Niagara River on Grand Island.

“Like, everybody assumes: ‘Coach Oats, you’re having a great year. You’re not going to be here much longer.’ And I’m like, ‘Why not?'” he said. “Just because somebody puts $2 million on the table doesn’t mean I have to take it. I get to make that decision. It’s my life. I like it here a lot.”

As with most everything else, Oats is unafraid of the future.

The last time he acknowledged being scared involving basketball was during his second year at Romulus in 2004, when his team was eliminated in the district semifinals. Oats had difficulty getting over how Romulus lost despite having two players committed to playing at Michigan.

“I cried after that. I didn’t let the kids see me, but I was real disappointed,” he recalled.

Weeks of soul-searching led Oats to the realization there are some things he cannot control, such as a player missing four free throws in the final minute of what became a 1-point loss.

It’s no different to how Oats had little control against Marquette in a game Golden Eagles’ Markus Howard scored 40 points in the second half.

“If a kid like Howard goes off, he goes off,” he said, beginning to smile.

“I’d love to see Marquette again in the NCAA Tournament. I would kill to have that rematch,” Oats said. “If I was a betting man, I’d put a lot of money on that one.”

More AP college basketball: and

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Féminin Pluriel, the global women’s network, is delighted to invite you to a physical emancipation clinic with Marloes Coenen, 3 times world champion in Mixed Martial Arts, on Saturday 2 March 2019 at 3 PM.

Specifically for Féminin Pluriel members, Marloes Coenen will share with us her life-long experience in releasing energy and finding your inner strength, to help us feel more empowered both from a physical and from a mental point of view. Her physical emancipation clinics are perfectly safe and do not require any pre-exiting knowledge of fighting-techniques nor any other type of physical
precondition. Just come as you are and be open to the transformation!
Tweede Kostverlorenkade 69
1053 SB Amsterdam
R.S.V.P. to amsterdam@femininpluriel.org
This is a members only event.
At the age of 19 Marloes Coenen became the first female world champion in Mixed Martial Arts in Tokyo, Japan. Later she won two further world titles in the United States. She regards her life experiences in the cage as her greatest achievements in her career, “in the cage I felt freedom”. MMA is a multifaceted sport consisting of a combination of several fighting-sports with a logically constructed method connecting all the foundations together. The so-called Grip-method is based on strict didactical methods and guarantees a step-by-step build-up of the lessons, thus enabling everyone to become a Mixed Martial Artist in a safe and healthy manner, no matter how much experience you have, no matter how young or old.
According to Marloes, MMA entails so much more than just using the right hook or being able to do a double leg takedown. Thanks to MMA she discovered sides of herself which she never would have discovered without it. It is thanks to the cage that she become stronger, this is what she wants to teach everyone. Everybody has a fighter in them, only in some cases it is more hidden that in others. Taking of the layers of one’s personality is what Marloes regards as one of her biggest challenges when coaching and teaching, as the development of one’s character is just as important as the physical training.


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Our pilot plant and the team’s expertise is ideally suited to support bacterial and fungal fermentation up to 1000 l scale, as well as carrying out various process development and up-scaling tasks.

We are fully equipped to process the 1000 liter batches produced at our facility. Our staff is experienced in the isolation and purification of both secunder metabolites and recombinant proteins.

Molecular biology

Development and manufacture of recombinant proteins expressed in E. coli or P. pastoris host systems up to a 1000 liter scale in multigram quantity and excellent quality catering to the

Product development

In addition to the currently available immobilized lipase and ketoreductase enzymes we are actively participating in developing new enzymes and carriers with our partner Synbiocat Ltd.

In the last ten years we have established a cooperation network with hungarian universities active in the fields relevant to our interests. Budapest University of Technology and Economics,

Fermentia’s fermentation capacity is ideally suited to supply process development services and to support bacterial, fungal and recombinant fermentations from 10 to 1000 litre scale. Up to 12 identical fermentors can be used simultaneously to optimize process parameters and media constituents. Besides aerobic fermentation, our facility is also equipeed to execute anaerobic fermentation. Our team is well qualified and experienced in the field of different pharmaceutical biotransformation technologies and the scale-up of various protein expressions in 1000 liters fermentor. The plant is also equipped with separation and purification capabilities for downstream processing.

Our company is committed to providing high-quality services with an environmentally conscious mindset. After the Quality Management System implemented in 2007, in 2016 the ISO 14001:2015 Environment Management System was introduced.

If You need more information, please contact us through e-mail or phone.

Our primary area of expertise:

  • Scale-up of microbial processes
  • Expression of recombinant proteins
  • Development of biotransformation processes
  • Production of bacterial soil fertilizers

Fermentia is offering partnership in the following areas:

  • Various biosyntheses
  • Production of different intermediates by microbe fermentation
  • Biomass production
  • Production of recombinant proteins
  • Scale up and optimization of microbial processes from shaken flask to 1000-L fermentor
  • Offering partnership for h2020 programme or other projects
  • Trainings

Szabolcs Kohári, MSc

Project Manager

Péter Koska

Project Manager MSc

Bence Simon, BSc

Plant and Project Manager

Development&Production of various Probiotic products. Project ID: 1.1.1-MKI-2018-00029 Project promoter:  Fermentia Mikrobiológiai Kft Project partners: Eötvös Lóránd Tudományegyetem, Természettudományi kar, Mikrobiológiai Tanszék Donor partners: Dynea AS. Korlátolt Felelősségű Társaság Project summary: Probiotics are widely spread as nutrient supplement in the therapy of different inflammatory bowel diseases associated with diarrhoea. In the last decade accumulating body of evidences ...

Development of vaccines based on metagenomic methods for in-situ bioremediation of polycyclic aromatic

Development of an environment-friendly process for the production of gold nanoparticles and their

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Wednesday, March 6, 2019 - 7:30 PM
Lit Jam: Year-Round

Brigantine Room, Harbourfront Centre

235 Queens Quay West
Toronto M5J 2G8
Cost: FREE

Lit Jam makes its return in 2019!

Get ready for an interactive night of storytelling where teams comprised of emerging writers from various creative writing programs will compete by improvising stories on stage. The audience will prompt them with story starters and scenarios! The winning team will receive a cash prize and publication of their story on

Judging this year’s competition are Joseph Kertes, Richard Scrimger and Deborah Dundas with Antanas Sileika acting as our emcee for the evening. The competing teams include York UniversityGuelph UniversityUniversity of Toronto Scarborough and the winner of Lit Jam 2018, Humber College!

Check out the 2018 Lit Jam winning story here.

The York University Team

  • Dylan Gauche
  • Rebecca Goncalves
  • Taylor Morgan

The Guelph University Team

  • Kathryn Taddei
  • Preeti Dhaliwal
  • Miguel Gamboa

The University of Toronto Team

  • Ryanne Kap
  • Kit Hornby
  • Sarah Hilton

The Humber College Team

  • Jaryd Gabison
  • Andrew Morris
  • Carolyn Bennett

  • Deborah Dundas

    Deborah Dundas became the Books Editor at the Toronto Star after reviewing books for the paper for more than 15 years. She has worked in the media for more than 25 years – including stints as a books editor, but also in business, lifestyle, and national and city politics. She's worked at CTV and TVO, both as an editor/producer and reporting, interviewing or producing shows on emerging artists, popular writers and literary powerhouses. She's also lived and worked in Northern Ireland. She feels that the books beat is the perfect marriage of her diverse experience and interests.

  • Joseph Kertes

    Joseph Kertes founded Humber College's creative writing and comedy programs. He was until recently Humber's Dean of Creative and Performing Arts and is a recipient of numerous awards for teaching and innovation. His first novel, Winter Tulips, won the Stephen Leacock Award for Humour. Boardwalk, his second novel, and two children's books, The Gift and The Red Corduroy Shirt, met with critical acclaim. His novel, Gratitude, won a Canadian National Jewish Book Award and the U.S. National Jewish Book Award for Fiction. His latest novel, The Afterlife of Stars, has been described by Miriam Toews as his “masterpiece” and was named a notable book by the NY Times Book Review. Kertes is the 2017 recipient of the Harbourfront Festival Prize.

  • Richard Scrimger

    Richard Scrimger has been writing since 1996. He’s published books for adults and children, and written for television and print media. His fiction is acclaimed in Canada and the US and has been translated into a dozen languages. When he’s not writing or drinking coffee, he pretends to teach at Humber College in Toronto. Scrimger presents his latest work, Viminy Crowe’s Comic Book, a part-graphic meta-comedy so wacky that even he doesn’t really understand it.

  • Antanas Sileika

    Antanas Sileika is the author of five works of fiction and one boo of nonfiction. His first collection of stories, Buying on Time, was shortlisted for the Leacock Medal for Humour and the Toronto Book Award as well as serialized on CBC Radio’s Between the Covers. Woman in Bronze and Underground were both listed among the 100 books of the year by the Globe and Mail, and the latter has been optioned for film. The Barefoot Bingo Caller is his recent memoir. His latest novel,  Provisionally Yours, is forthcoming from Biblioasis in March of 20129. Antanas is the former director of the Humber School for Writers. He lives in Toronto, Ontario.


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Evam presents I Tried by Manoj Prabakar in Ernakulam

After successful round 1 across South India, Manoj is now back with a bigger round 2 covering major cities across India! Philosopher Pepsi Uma once said, keep trying, keep on trying. In accordance to that, Manoj in this standup show will try to make the audience laugh. Failing to do so, at the end of the show, he will say I TRIED and quietly leave the place, that way he also justifies the name of the show. So come watch Manoj as he tries his level best to make you laugh. Did he succeed or not ? We don’t know. But he genuinely tried.

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Biddings to delay Chinese loan payback is government’s job, PM’s Office says

King Tupou VI shakes hands with Speaker Lord Fakafanua and PM 'Akilisi Pōhiva. Photo/Tonga Parliament

NUKU’ALOFA, 29 NOVEMBER 2018 (KANIVA TONGA NEWS) – The effort to persuade the Chinese government to defer Tonga’s loan repayments has been a government responsibility, the Prime Minister’s Office has said. Tonga first asked for a deferment of the repayment was when Lord Tu’ivakanō and his government came into power in 2010. Earlier this month […]

Continue reading this article with a Fiji Times online membership.

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Odd Couple – the prompt from the Daily Post

chaos-227971_1920 (2)

Odd Couple

Does a messy home (or office) make you anxious and cranky, or is cleaning something you just do before company comes over?

To be perfectly honest I don’t care how messy the house is. People are so used to me I just let them in my room and maybe apologize for the mess, but most times I just don’t care.

The tech guy who came recently to  my room to work on the old computer got to see what a slob I am. My ex-husband and I had some problems with that. He hated the mess and I could care less. I knew if I waited long enough he would clean it himself and he did.

I was a bad housewife. I also worked full time and had kids. Not that that would change anything. We were the odd couple alright.

About Tessa

Teresa (Tessa) Smeigh at 60 plus is still going strong despite her disabilities affecting both physical and mental abilities. She has bipolar disorder (mental), Fibromyalgia (nerves), degenerative disc disease (spine), and arthritis (joints). Her new journey's include Diabetes controlled by insulin. She is also working on 2 fiction books (mysteries). The books will probably never be finished. She keeps her blog filled with useful content, occasional devotionals (She is a Christian), stories and poems. Plenty to keep you busy. She has also been interviewed by blogs and had other posts published on many different blogs. She is from Southern, NJ. Her family and blog keep her busy.
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Art And Culture

Ayhan to Perform With 3 Azeri Singers

Ayhan to Perform With 3 Azeri Singers Ayhan to Perform With 3 Azeri Singers

Hashem Eslamian, better known as Ayhan, who sings in the Azeri language, will hold a concert in collaboration with three singers from the neighboring Republic of Azerbaijan.

Baloglan Ashrefov, Namiq Qaracuxurlu and Elchin Huseyn performed a concert with Ayhan in summer at the Ministry of Interior Auditorium in Tehran. The event was well-received and their next program is slated for February 23.

The performance was first slated for Feb. 22, but was postponed to the day after to avoid coinciding with the mourning ceremony related to the martyrdom of Hazrat Fatima (AS), the daughter of Prophet Muhammad (PBUH).

Ayhan is the vocalist of Reyhan ensemble which will perform at the concert. The ensemble is led by Hojjat Mabzoul who also arranges the pieces, Honaronline reported. Based in Ardebil, capital of Ardebil Province, Reyhan has a total of 12 musicians.

In addition to the famous folkloric songs and pieces performed at the last event, "we will sing a number of new songs," Ayhan said. A few pieces from his 2016 album 'Maral' will be among the repertoire.

Tickets are available at The auditorium is located on Gomnam Avenue, north of Fatemi Square.

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Lightwoods Teaching School Alliance
Physical Education (2BQ2)

PGCE with QTS full time

Accredited body
Newman University
Financial support
Student finance if you’re eligible

A postgraduate certificate in education (PGCE) with qualified teacher status (QTS) allows you to teach in England, Scotland, Wales and Northern Ireland. It’s also recognised internationally.

Many PGCE courses include credits that count toward a Master’s degree.

Date you can apply from
9 October 2018
Date course starts
September 2019

About the course

Financial support

You may be eligible for a loan while you study.

Financial support if you’re from outside the UK.

About the training provider

Welcome to the Lightwoods Teaching School Alliance and Newman University School Direct PGCE Programme.

Lightwoods Teaching School Alliance

"Working in partnership to develop expertise and raise standards."

Lightwoods Teaching School Alliance (TSA) is a strategic partnership including primary schools and secondary schools and a University. It is an excellent place to train to teach for reasons including:

• A decade of successful training with Newman University on undergraduate, postgraduate and GTP routes.

• Lightwoods TSA has a range of expertise in teacher development having successfully delivered support to other schools across the West Midlands.

• The Executive Head Teacher is trained as a School Improvement Partner and National Leader in Education and all the Senior Leadership Team have worked and supported in other schools. Lightwoods Primary School is a National Support School.

• Lightwoods TSA have hosted a range of training and CPD opportunities including observation of teaching, support for planning and moderation.

We have developed a close knit partnership which has a strong foundation based on a depth of experience within a family community; overall this allows us to create an excellent, personalised experience with outstanding support. We tailor and customise each individual’s training programme to develop them into balanced well rounded professionals. At the heart of our alliance is the need to provide outstanding teaching and a positive learning experience for all pupils.

Training with disabilities and other needs

Lightwoods Teaching School Alliance value diversity and the unique contribution that all their staff and trainees bring. If you have a disability, you shouldn’t be dissuaded from applying as our training programme caters for individual needs.

Contact details

0121 429 2542
Lightwoods Teaching School Alliance
Castle Road East
B68 9BG

Warning You can't apply for this course because it currently has no vacancies. To find courses with vacancies, change your search settings to 'Only courses with vacancies'.

Support and advice

For questions about this course you should contact the training provider using the contact details above.

Get support and advice about teaching

Register with Get into Teaching, the Department for Education’s free support and advice service, for personalised guidance from teaching experts. They can help you to prepare your application, book school experience, and access exclusive teaching events. You can also call them free on 0800 389 2500, or speak to an adviser using their online chat service, from 8am to 8pm, Monday to Friday.

Website support

If you have feedback or have had a problem using Find postgraduate teacher training you can contact us by email.

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If there is something wrong with this course listing, contact us by email.


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We are dedicated to providing the best customer service to our members, advertisers and all other users of this site. If you have a comment, want to provide feedback or have a question then simply complete the form below and we will get back to you as soon as possible. Please also check the FAQ page if you have a question.

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Encore Energy Contact Number and Email Address

Sponsered Ads

Sponsered Ads

Contact Encore Energy

For your convenience to contact Encore Energy We have provided all possible information of Encore Energy. You can contact Encore Energy on the given phone number 1-(310) 551-1600. To know the address location of Encore Energy it is also presented here Century Plaza Towers, 2049 Century Park East, Suite 2690, Los Angeles, California 90067, United States. Contact them by sending email to Encore Energy you will find an email address here encoreenergyinc@aol.com. To know more about Encore Energy, go to their website www.encoreenergy-inc.com and collect all possible information from there. You can contact them from their website also.

If you have any comment to post or you want to register a complaint against Encore Energy, you are advised to go to the below box and post your view there.

Visit Encore Energy on the Given Address:

Century Plaza Towers, 2049 Century Park East, Suite 2690, Los Angeles, California 90067, United States

Contact Encore Energy on the Given Contact Number:

1-(310) 551-1600.
If the contact number or email address of Encore Energy is incorrect, please tell us HERE

Send Encore Energy Email on given Email Address:

Open Encore Energy Website by given Website Address:

Was your query resolved after making call or sending email to Encore Energy, tell us HERE

Encore Energy is Associated With and Known as:

Encore Energy is an American company, engaged in oil and natural gas exploration business. The company has millions of commercial and industrial customers across the country. The company started business in the year 2010. It is headquartered in Los Angeles, California. The main Aim of the company is to serve its customers and partners with innovative and reliable services. The company provides quality drilling services and infield development in the areas of natural gas and crude oil. Encore Energy is a prominent American based company dedicated towards providing oil and natural gas products to its customers. The company initiated its business operations in the year 2010 and since the inception of the company, it is delivering its outstanding products and services to the millions of its commercial as well as industrialized customers throughout the world. The company has is main head office in Los Angeles, California. The company has an experience of many years in the production of oil as well as natural gas products and the company aims to serve its customers with innovative and trustworthy services. The Encore Energy corporation is blessed with a dedicated workers who works with great commitment for the betterment of the company.

Encore Energy Specialties

Encore Energy specializes in the following:
  • Horizontal Drilling and Production Technology.
  • Well Operating.
  • Corporate Governance.
  • Internal Controls and Audits.
  • Planning Field Operations.

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Medicare Pharmacy Group

Category: Chemists | show me more

Address: 66 Glenshane Road
County Londonderry
BT47 3SF

Landline: 028 713... Landline: 028 713...

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Category: Conservatories | show me more

Address: 1 Watkinson Avenue
West Yorkshire

Landline: 01422 2... Landline: 01422 2...

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CFF Finest campaign and Brewer’s Ball sponsors are an important part of our fight for a cure.
2019 Sponsorship Proposal
$10,000 Presenting Sponsor ($9,700 tax deductible)
$7,500 Mission Sponsor ($7,260 tax deductible)
$5,000 Brews & Food Sponsor ($4,840 tax deductible)
$3,000 Honoree Sponsor ($2,840 tax deductible)
$2,500 Auction Sponsor ($2,380 tax deductible)
$1,500 Band & Stage Sponsor ($1,420 tax deductible)
$1,000 Acknowledgement of Support (100% tax deductible)
For more information, contact Ellyn Kirtley, Development Manager, at ekirtley@cff.org or call 804.527.1500.
In-kind sponsorships for Brews & Food sponsors and for the Brewer’s Ball auction are also available.
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Places to Stay in the Finger Lakes: Which Option is Right for You?

In addition to deciding how and when you’re going to get there, the other key component of planning a trip to the Finger Lakes is deciding where you’re going to stay. While it’s useful to look into what you want to do during your trip, you can easily change your daily itinerary and fill in any gaps as you go. But when it comes to places to stay, you really need to have those arrangements set in stone prior to your arrival.

Since there are several different types of places where you can stay in Skaneateles and throughout the Finger Lakes region, let’s look at the details of each option:

Finger Lakes Hotels

Larger hotels are known for having very professional staff. If you encounter a problem, they will have a solution. In terms of pricing, hotels can be hit or miss. Depending on how and when you book, you may snag a great deal or get stuck with an average room at a hefty price. And while some rooms do a great job of providing a quiet environment to relax and sleep, others are quite noisy.

Finger Lakes B&B

When you think of a scenic getaway, this may be the first type of lodging that comes to mind. One of the things that can be nice about a B&B is that most owners will go out of their way to provide guests with the absolute best service possible. However, there are some common downsides to this experience. Even if you read online reviews, you never know exactly how this type of lodging is going to be until you arrive.

While hotels go to great lengths to ensure consistency between locations, that’s not something you’re going to get from a B&B. For example, you may not realize that you actually have to share a bathroom with other guests that you don’t know. This ties into the other big potential downside of a Skaneateles bed and breakfast. Even though the idea sounds quaint and pleasant, you may not want to be stuck in such an intimate setting with owners and guests that you don’t know. Despite the fact that friendliness is always a nice gesture, in this setting it can actually take away from your privacy.

Finger Lakes Vacation Rentals

Although vacation rentals are the least known of these options, they’re actually the most attractive. Whether you want to stay in a Skaneateles condo with your significant other or want a house where your entire family can be next to the lake, a Finger Lake vacation rental can provide exactly what you need. One of the best things about this option is it literally allows you to feel like you’re at home. Because you’ll have amenities like a washer, dryer and plenty of kitchen space, you won’t ever feel crammed or frazzled. And since all the space will only be for you and your family, you’ll have as much privacy as you want. If you want to be as comfortable as possible during your Finger Lakes trip, you can’t beat a quality vacation rental.

Fill Out the Form Below With Any Questions You Might Have or Call 315-317-8200


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Total Beverage Buys Nectar Ales From Firestone Walker

Beer Business Daily:

Total Beverage Solution of South Carolina today announced that it has agreed to acquire the Nectar Ales portfolio of beers from Firestone Walker Brewing Company of California.

“It is sad to let these beers go, but production and operational demands require us to focus on our core line of Firestone beers in the years ahead,” said Adam Firestone, co-founder of Firestone Walker Brewing Company.

“Nectar Ales was always a labor of love and our nod to keeping a pioneer of the California craft revolution alive. It’s now time, however, for this iconic family of beers to become something more than we are able to provide,” added co-founder David Walker.

Nectar Ales originated in Humboldt County, CA early in the craft beer revolution. When production issues forced the small brewer to seek out a partner, Firestone Walker Brewing Company stepped in and owned and grew the brand for nearly a decade.

Founded in 2002, Total Beverage’s portfolio includes such brands as Germany’s Weihenstephan beer and Birra Moretti. Dave Pardus, CEO and president of Total Beverage Solution, said, “This acquisition provides us with a West Coast craft beer brand presence in addition to the two existing East Coast craft breweries, Shipyard Brewing and Southampton Ales & Lagers, that we currently work with. We intend to invest in and accelerate the growth of Nectar Ales as a TBS-owned brand.”

First Beverage Financial, a division of First Beverage Group, acted as exclusive financial advisor to Firestone Walker in this transaction.


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Thank you!

This article is by Hiten Shah, co-founder of three SaaS companies: KISSmetrics, Crazy Egg and, most recently, Quick Sprout. He's an angel investor and advisor to more than 50 companies. Here, he shares why context is the most integral part of giving advice — and how to surface it faster and better.

"Hey, you're f*cking up, and here's why. Let me show you what the opposite of that looks like."

Those two sentences introduced the best advice I’ve ever received. Not only did it change the course of my company at the time, but how I approach giving advice, which I do three times daily on average — and sometimes up to eight times a day.

When I was told those words, I was a few years into KISSmetrics. The startup was stabilizing after a lawsuit. It had taken six months to regain our footing and return to thinking about the business. Still a bit shell-shocked, we were sending weekly updates to our investors. One of them, a CEO of a public company, reached out: “I need to meet with you within the week.”

There were no opening pleasantries. He got into the meat of it, telling me that I wasn’t thinking of the company as a business. I was running a SaaS startup and making subscription revenue, but wasn’t looking at it the right way in his mind. “Here,” he looked me in the eye, “let me show you an example from someone we both know who’s doing it right.”

He laid out the ideas so cohesively that it felt like a polished board deck. He cussed, but wasn’t disrespectful. He spoke with intelligence and intolerance. “Here’s how they think of these three areas. Boom, boom, boom. What are you waiting for? See how you can look at your company differently?” I told him I got it. Before I knew it, I was walking out of his office.

It was a revelation for me — honestly a company- and life-altering experience. Yet from this account, it may not be apparent why. It’s because 90% of what made his advice so effective was not the counsel itself — but the context in which he couched it. The impact came from his anticipation, actions and approach as much or more than the actual answer. Here’s how he did it — and how I’ve learned to do it:

Convey importance with the irregular. Most people casually offer an opinion masked as well-considered advice. It’s no wonder that it’s so hard to separate the signal from noise. In this case, before a substantial word was uttered, he signaled that this time was different. He changed his behavior, which got my attention and instilled gravitas. He knew that I know that he rarely wants to meet up; it just isn’t his thing. Normally I’d email him, he’d triage the request and the right person would get it done.

The second byproduct of the in-person meeting was that he demonstrated change before he expected me to alter my ways. Of course, the degree was different: his adjustment was in how he met with me and mine would be about how I ran the company, but the symbolism was there. I knew he didn’t prefer to meet that way. Because he was willing to change his habits to help me — even in a subtle way — so was I.

After some diligence, be direct in every way. He had been reading the investor updates, related to my situation as CEO and knew that I didn’t often ask for advice from others. So he did a lot of processing before reaching out. Once he did, he used every trick in his book to cut to the heart of the matter: He demanded to see me within the week. He swore in order to emphasize a point and firmly grab my attention. He wanted the meeting to be in-person, so I would take in every inflection of his voice or microgesture.

The CEO didn’t just speak directly — he made sure everything about the conversation embodied the level of unswerving honesty that he knew I needed. Then he leveled with me: “I saw it, so had to say it." That idea stuck with me. He didn’t hold back because he knew I had something to learn and there was no reason to wait. You know how some people can’t hold their tongues? We both are the type of advisors who can’t hold our throats. Even if it’s that far back, we can’t keep it from rising to the surface. He was a representation of something that I really valued: the ability to be direct in every dimension — not just speak directly.

Use shared context to resonate, not just relate. The most powerful technique that he used was framing my problem in shared terms that resonated for both of us, but belonged to neither of us. Here’s what I mean: when he raised the example of the company that was doing it better, he purposely chose an example that we both knew — and had observed and could instinctively vet — but that wasn’t just from one of our pasts, which might be prone to misinterpretation or bias. Not only did I know the company he referenced, but I was one of its advisors.

I’ve learned that if you’re asked about your past, only bring it up if you’ve made sure it’ll be helpful to others. Too often those examples are for the advice giver, who either shares to relate or assumes that her own context is sufficient as counsel. It’s a dangerous trap. It’s much more valuable to examine a context familiar to both of you. That shared reference point allows both the advice giver and receiver to use an informed, common language, but the distance from both parties allows them to think critically and more objectively about the situation.

To get immediate relief, focus on the advice. If you seek wholesale change, hone in on the context of the advice.

Does that sound like a lot of work? Maybe, but it should be. Especially for the kind of advice that may alter the trajectory of a product, founder or company. That’s why I don’t often seek advice. I ask for candid feedback, additional information, more data — that’s a whole different story.

In the rare moments when I ask for advice, I look for someone who can help me think about a problem in a way that I haven’t considered. Only when I’m truly looking for a change do I consider soliciting advice. In the case of my investor, he saw the signals even when I didn’t — our slow return to the business post-lawsuit plus the content and cadence of my board updates — and knew my patterns well enough to shake me into action. This was a rare, profound case.

In the end, an effective exchange of advice is specific to the giver and receiver of the counsel. Yet, like any human interaction, there are general patterns for those who want to get better and faster at soliciting and giving advice. The best advice givers not only see the patterns, but also pick and choose which ones makes sense for the situation. If you’re advising, here are three ways to surface the right patterns; if you’re seeking advice, listen to those who do the following:

Jumpstart recognition through research.

It’s common practice to do research before meeting with a person, pitching a company or entering a market. Similarly, it’s critical to research the people to whom you may give advice or for whom you may receive it. In these cases, it’s less to gather information — though helpful — and more to jumpstart the recognition of patterns.

Yet, if you frequently give or ask for advice, you might say you don’t have the time to kickstart identifying patterns before advising. Here’s a few ways how, for both 1:1 and group sessions:

Ask questions about growth, not motivation.

If you asked my KISSmetrics investor about the reason why he gave me the advice, it’s because he wanted me to get better. He never said that, but he oriented all of our conversations around growth. His questions helped me clarify how I was going to do it, more than why.

I understand the value of starting with why, but when you’re at the threshold of asking advice, you should already have that answer. You should be on the verge of acting, but may not know how. At that point, it should be less about your motivations to act, but your method of doing so.

In my account, both the CEO and I had led enough companies to know that the motivations for growing them will change. Sometimes it’s for influence, ambition, a podium, camaraderie, energy — the list goes on. In the end, that shifts and is subjective. What isn’t is growth.

The very simple way to reroute a conversation to growth is reframing the questions that you ask or that are asked of you. As I've mentioned before, I often get these questions:

What I ask in response are these questions:

This would have been a better line of inquiry to start:

This would have been their best line of inquiry to start:

There are a few key takeaways in the evolution of these lines of inquiry:

All good advice tips people toward action, not options. You may think all you need is advice. Practice is what you need.

Reserve judgment.

This may be the most straightforward of all tactics, but the hardest to master. Good advice takes pattern recognition and selection, but with that, comes the tendency to rigidly categorize people alongside their situations.

So here’s the mantra of the advice giver: don’t react. Ask yourself how to advise in a way where you’re not judging, so others will remain open to what you’re going to say. That starts with you being open to what they’re saying, too.

I’ve been asked to advise and speak on a number of areas, ranging from enterprise sales to fundraising. The truth is that I actually really dislike some of these topics. Some people may know what they are, but I mostly don’t tell people. That’s because advising is not about me.

So, if diving into that topic is the right thing for your business and you’ve asked me about it, I’ll tell you about it and we’ll work through the problem. Some of the highest praise that I’ve received after giving advice has been in areas that I wouldn’t have elected to talk about if given the choice. But I’ve needed to reserve my judgment because others have requested that counsel.

We’re in the early stages of building Quick Sprout and it can feel like a long ramp-up to launch, especially for founders who have done it before. I felt antsy and my chops felt rusty; I realized that I needed to launch. So I decided to design and ship a silly t-shirt.

I’d never done something like that before and needed advice. I received it from a very savvy, talented teenage founder. When I was ready, I asked him for counsel on promotion and sales for the shirt and he helped me think through how I’d execute in specific, concrete ways. Some may not take to being advised by someone half their age, but that’s exactly why you must continuously withhold judgment. In the end, I wanted his perspective, involvement and an opportunity to learn.

A growth mindset: that’s what it really boils down to. If you’re getting my advice, it’s because you want to learn.

You may have noticed that I never mentioned the names of the KISSmetrics investor or the teenager. It’s because it doesn’t ultimately matter. One’s well known; the other less so. One has led companies longer than the other’s been alive. Yet the critical commonality is that they both took time to understand my context — before, during and beyond our meeting. They invested in learning my patterns, provided direct advice, geared the conversation in terms of growth and reserved judgment until I finalized my plan to act.

Here’s what I know: in most cases where advice has its greatest impact, the work begins with the advice seeker. If that’s you, take time to investigate where you need help in your business before asking for it. Don’t settle and immediately ask others about their past experiences. Dig into where you need to grow next. Start with your business fundamentals. That sounds basic, but I’m constantly surprised how many people forget it. They point to bubbles and unicorns instead. The source is your business and yourself. The great advice and progress soon follows.

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Special Seminar – Student Research Derby Presentations

On April 3rd at 4:00 PM, please come to the special SAFS seminar that will consist of Research Derby participants summarizing and presenting the work they have completed in a two-day period. The Research Derby is a speed-research event where groups of (3-4) students from different labs work together to think up an interesting research question, brainstorm their approach, collect data, perform analysis and present it to the SAFS community, all in two days. This condensed version of the research process is designed to catalyze collaborations and spark creative ways to answer challenging questions.

We hope to have a full auditorium to support this student driven research event!

Friday, April 3rd at 4:00 PM
School of Aquatic and Fishery Sciences
1122 NE Boat Street – Room 102
Seattle, WA 98105

Celebratory drinks, food and prizes for the winning teams after the talks!

For more information, please contact Emma Hodgson at hodgsone@uw.edu.

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Whether you are looking to slim down or tone up, train more efficiently on the Xterra Fitness FS2.5 Dual Action Elliptical. The FS2.5 features 24 levels of resistance along with 24 program options to keep your workouts fresh and your body challenged. Listen to your favorite music by connecting your MP3 player through the audio jack and speakers in the console. Enjoy the benefits of better health and fitness with the new, Xterra Fitness FS2.5 Dual Action Elliptical.

Xterra Elliptical FS2.5
xterra elliptical Free Style FS2.5
elliptical Free Style FS2.5 with model
elliptical Free Style FS2.5 pulse grip
elliptical Free Style FS2.5 levelers
elliptical Free Style FS2.5 console

  • The ergonomic 35.5 cm stride length provides a smooth, comfortable elliptical motion forward and reverse.
  • A 22-pound heavy-duty flywheel offers premium, fluid motion
  • Soft, cushioned handlebar pads.
  • Large 5-inch x 2.5-inch dual color backlit LCD display is easy to read.
  • 24 programs including two heart rate programs, one body fat program, four user-defined programs and a manual program./li>
  • Built-in heart rate receiver works with chest strap (not included) for optimal conditioning.
  • Hand grip pulse sensors (monitor your heart rate) are conveniently mounted on the fixed handlebars to keep your workouts safe and effective.
  • Magnetic resistance system is friction-free for smooth, quiet, and maintenance-free operation.

Product details

Technical specifications
Pedals Oversized Cushioned Pedals with 2° Inward Pedal Tilt
Stride length 35.5 cm
Resistance 20 levels, magnetic
Handlebars Padded
Handlebar controls Heart rate
Heart rate monitoring Contact
Chest strap No
Cooling fan No
Flywheel 10 kg
Console / Workouts
Screen 6,3 x 12,7 cm LCD Backlit, double color
Preset programs 13
User programs 4
HRC programs 5
Program WATT 1
Program Body Fat 1
Audio system Speakers & audio jack
Product (L x W x H) 129 x 61 x 160 cm
Carton (L x W x H) 115 x 37 x 65.2 cm
NW / GW 47 kg / 51 kg
Max. user weight 130 kg
Frame 10 years
Parts 2 years


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The right step for a dynamic job

With the advent of tv, computers, video games and the desk job, we’re sitting down more than ever before in history. 9.5 hours a day, even more time than we spend sleeping (7.7 hours). Our bodies weren’t built for that, and it’s starting to take its toll. Findings have shown that the average adult spends 8.9 hours a day sitting. This rising trend of inactivity at work is contributing to a staggering amount of health issues that compelling evidence has linked to prolonged sitting. You might want to stand up for this.

When we sit, we use a lot less muscles than when we stand or move around. When we sit, our larger skeletal muscles (legs, back, behind) shut down, which has several negative influences on cellular processes in our muscles and tissues. It lowers LPL/HDL levels in our blood (cholesterol, responsible for transporting fats) and the decomposition of plasma triglycerides (fat) drops. The amount of fat burning enzymes in your blood can drop with up to 90% in 1 hour. This increases the risk of obesity and several cardio vascular diseases…

And that’s just the beginning! Research has shown that sitting for long periods of time increases the risk of heart diseases, type 2 diabetes, cancer, stroke, thrombosis, back complaints, obesity, metabolism-distortions, osteoporosis, depression, dementia,… So are we all a lost cause due to our sedentary lifestyle and far going automation? Luckily, no! There are numerous ways to break through our sedentary habits and to implement more movement into our lifestyles.

Every movement helps, getting up for a moment, stretching, walking around, anything! Ideally you should get up to move around every 20 minutes. One of the healthiest solutions is a walk desk. This is a standing desk, mounted over a treadmill. The idea is to walk a few hours every day at low speeds (0.8-2.5 kmh), while performing your tasks at work. Walking is a natural movement that doesn’t require any thinking and has very healthy effects on your body. It ensures a strong and healthy blood circulation, strengthens your bones and immune system, improves brain functions and improves your concentration (and thus increases productivity).

An extra plus, is that you burn a lot more calories while walking, so you can lose weight while working. It’s also relaxing, improves posture and makes you sound a lot more lovely. Half an hour of (medium-)intense exercise can’t compensate the negative effects of sitting all day, but moving around more during the day isn’t a replacement for exercise either. It’s merely an addition to counter the negative effects of sitting for too long.

We need to invest in our health and wellbeing and encourage better practice within our workforces. Sit-stand-walk desks are only the beginning in creating a more dynamic workplace. Even making small changes in the initial office design can encourage us to interact more with our surroundings and cut sitting time.


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Find the best flight offers from Montreal to Lahore

Book flights from Montreal (YUL) to Lahore (LHE)

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