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Choosing a Home Loan

Switch lenders if rate cut is not passed on: RBA

Mortgage holders and business operators are being encouraged by the RBA to switch lenders if their bank doesn’t pass on the latest cash rate cut.

The Reserve Bank of Australia (RBA) delivered mortgage holders and business operators a Melbourne Cup Day win by cutting the official cash rate by 15 basis points to a new record low of 0.10%.

Better yet, the RBA board says it’s “not expecting to increase the cash rate for at least three years”.

However, there are concerns that not all the banks will pass the rate cut on to borrowers across all of their products.

For example, within 24 hours of the RBA rate cut several of the big banks announced cuts to their fixed rates and business rates, but not their variable rates.

RBA Governor Philip Lowe says if the banks don’t lower their standard variable rates, “ask them for a better deal”.

“And if they don’t give it to you, switch to a bank that will,” Governor Lowe adds.

Federal Treasurer Josh Frydenberg is also urging lenders to pass on the RBA rate cut to reduce the cost of borrowing for households and small businesses.

“It’s my expectation that the banks will now look for ways to pass on those rate cuts. Pass it on to small businesses and pass it on to mortgage holders,” he says.

How we can help you play hardball

Now, here’s the important part.

It’s all well and good for our nation’s leaders to urge the banks to pass rate cuts on to you, but whether or not your lender will actually do so is another matter altogether.

The good news is, the power is with you – the borrower. And we can help you harness that power.

That’s because competition amongst lenders is fierce right now, so if your lender won’t budge, there’s a good chance another lender will.

We’re keeping a keen eye on which lenders are passing the rate cut on to their customers, and which lenders aren’t.

So if you’re keen to explore your options during this time of record-low interest rates, get in touch today.

We’d love to help you pay less interest on your mortgage each month.

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.


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How to Get Paid Video Testimonials

A Catchy Title 100% Tailored to Your Business

Improve Sales and Website Credibility with Paid Video Testimonials

Paid video testimonials is a great way for you to advertise your products and services and this is a proven method that helps establish rapport between your website and your consumers. The increasing success of this trend is evident with the growing number of companies that buy video testimonials from a video testimonial service. These testimonials can improve your sales and reliability of your website making it easier for your internet based business to increase its popularity. Not all video testimonials convey the right message of your customers so if you want to maximize favorable results you should buy video testimonial.

Video Testimonial Service as Partner in Video Marketing Technique

Do not overwhelm your customers with numerous paid video testimonials especially that quantity can lessen the credibility of this marketing technique. When you buy video testimonials, you can get high-quality videos instead of pushy and poorly choreographed testimonials.  A video testimonial service can provide you the necessary professional assistance you need in order to buy a video testimonial that focuses entirely on the needs of your industry. Good testimonials can convey information about your business and produce broad information about various services/products of your company. Paid video testimonials can give your business value and distinction from other online businesses that offer similar services.

Video Testimonials: Solution to Maximize Marketing Options

No matter what your business might be, you will only require at least 6-7 various paid video testimonials that highlight different aspect of your site. Video testimonials like website contents should be relevant which makes a video testimonial service a great solution to maximize your marketing options. You can easily buy video testimonials online but you should take into consideration the necessity of your business. Careful planning and knowing where to buy video testimonial is essential; irrelevant videos will only take space and confuse potential customers.

More samples

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The November issue of Prima is out now

Read about Twiggy's fashion style in the new issue, along with great comfort foods to cook

The new issue of Prima magazine is out now, with 1960s icon Twiggy as the cover star. She talks to Prima about being a grandmother, making things and her must-know fashion tips.

And if you're looking for tips on how to keep your hair and shiny and bouncy in the winter months we've got it covered in the hair rescue special feature.

We also have a 27-page travel special in our November issue – so you can dream about escaping to Caribbean, California and the Christmas markets. Then make it happen by booking to go there.

If you're looking for inspirational stories then meet the ladies who have started a county business, and the other women who even found love online. And as always, there are loads of great ideas for the home, knitting patterns and crafting inspiration!

What are you waiting for? Get your copy NOW! Or why not get Prima delivered directly to your door? Subscribe here

This content is created and maintained by a third party, and imported onto this page to help users provide their email addresses. You may be able to find more information about this and similar content at piano.io
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New QS40 True Biotic.|||Created by nature for nature

Biobased and biodegradable biopolymers perfectly match the natural lightness of its multi-award winning shape: the new QS40 True Biotic combines maximum sustainability with the highest quality in design and manufacture.

Sustainable and antibacterial

All of our models are now also available with Biomaster antibacterial surface protection. Silver ion technology equips them with 99.99% protection against bacteria throughout their lifespan. 30% of the plastic used in their production is made from regenerated plastic.

The environmental credentials of the antibacterial DS Regeneration Pens are even more impressive. Their casings are made from 100% recycled materials. And if you want to say thank you with a personal touch check out our new QS50: “Thank you” is inscribed in five different languages on its antibacterial casing surface.

About Prodir

Internationally award-winning design, outstanding writing technology and wide-ranging personalisation options make Prodir writing instruments personalisable brand ambassadors. Sustainable and socially responsible, our pens are produced in Switzerland from cap to tip.

As a promotional product retailer, the Partner Lounge supports your marketing work and allows you to save writing instruments directly online from the configurator.

Personalized pens with logo.<br />Made in Switzerland

For more than four decades, Prodir has been manufacturing personalized pens with logo for companies throughout the world. Our Swiss made promotional pens stand out for their style, design, shape and materials.

Complimentary pens are an effective promotional means for every company, and a useful gift for the people receiving them. Personalized pens are an effective way of making your brand known and promoting your business during promotional events and trade fairs.

Here at Prodir, we manufacture a wide array of models, and personalize them by pad and screen printing. Forty years of experience in the field have made Prodir a reliable and internationally renowned partner for the supply of designer and high-quality personalized pens. Our experience has allowed us to reach a high level of specialisation in pen personalization with logos of any kind.

Thanks to the use of latest-generation equipment, we are able to develop complex personalized shapes and prints, and to reproduce any type of brand and colour pattern.

To give you only the best writing performance, each Prodir pen is subject to a careful selection, including strict durability and reliability tests. Quality control is an integral part of our manufacturing process; this is also why Prodir personalized pens will promote your brand in a reliable way for a long time.

As with all gifts, the packaging is also important for a complimentary pen. This is why at Prodir we pay the utmost attention to pen packaging; our pen cases, designed by expert and qualified designers, are made with high-quality materials that are pleasant to the touch.

That’s exactly how I want it!

Customize your own Prodir writing instrument with a logo online: on your computer and all mobile devices. Just the way you want it. See what your writing instrument might look like.

Our writing instruments are open for your stories and contribute some of their own character in the process. That’s why our new magazine is called Open: An open “O” before “pen” which takes in everything that makes our writing instruments so unmistakable.

Stay up to date

News, background information and reasons to buy: Our newsletter helps you keep your finger on the pulse


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Mulch is a combustible material that can be easily ignited by improperly discarded smoking materials. Hundreds of small and large fires are started this way every year. The risk is that what starts as a small outdoor mulch fire can quickly spread to buildings. A mulch fire can be well underway before someone notices or is alerted by smoke alarms or sprinkler systems activating.

Tips for Property Managers, Building Owners & Landscapers

  • Provide a minimum of an 18-inch clearance between landscape mulch beds and combustible building materials, such as wood, vinyl siding and decks.
  • Use non-combustible mulch such as rock or pea stone around gas meters and combustible portions of the structure.
  • Provide proper receptacles for smoking materials at all entrances to public buildings and in designated smoking areas. Place them at least 18″ away from the building, do not mulch in these areas and remember to regularly empty smoking receptacles.
  • Grounds and maintenance crews should be aware when conditions are favorable for mulch fires and increase surveillance of mulch beds.
  • Keep mulch beds moist when possible.

This information was sourced from, CLICK HERE to download the full document.


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« Something to keep in mind about those "government jobs" | Main | Doug Bruce emerges from jail advocating prison reform »

June 02, 2012

Mark Twain, who knew a little bit about American literature, called the Book of Mormon "chloroform in print."

John Petty

Yeah, I was going to say that, on top of everything else, it's boring too.

Trying to be irenic though.

It's beyond boring. It's unreadable. Couldn't get through it. I mean, it is impressive if you think of Joseph Smith improvising this stuff, even if he did rely too much on "And it came to pass..." but that's about all one can say for it. I'm just glad it isn't my holy book.

John Petty

I just scanned an article at Deseret News that used the "nephites" as an example of something-or-other, and I couldn't help thinking, "What world are these people living in?"

The comments to this entry are closed.

Lectionary Posts


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Baltimore - June 23rd Canvass

It's crunch time! We must act NOW to see our values reflected in the governor's seat and our Baltimore City/County Council.

We will be co-hosting this event with Unite Here Local 7! We will be canvassing for Ben Jealous for Maryland's next Governor!

The strength of our party is from the grassroots; not from the top. Groups like Progressive Maryland are why we’re going to take back the House, the Governor’s mansion, and most importantly, implement a vision for this country that supports our middle class and ensures every child has the opportunity for a bright future!

Come join us!

Please bring:

  • a fully charged cell phone and/or tablet
  • comfortable walking shoes
  • a bag or backpack to keep campaign literature
  • and plenty of energy!

A script and training will be provided!

June 23, 2018 at 11:30am - 3pm
Unite Here Local 7 - Wahlbert Building
1800 N Charles St
3rd Floor Conference Room
Baltimore, MD 21201
United States
Google map and directions
AJ Clayborne · 301-213-9109

Will you come?


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Birkenstock Kids' Kaprun Wool Felt Shoes Grey Elk 31 N

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Winter is the cozy season! With the BIRKENSTOCK Kaprun clog, little feet are ready to face the winter months. The high-quality and extremely long-lasting felt makes this a comfy and cozy slipper to wear at home. With its raised heel section, the clog enables maximum walking comfort and keeps feet fresh.

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Marsh & McLennan Companies Inc. reported third-quarter net income of $221 million despite declining revenues in most segments, with its CEO citing the work of top executives to generate new business in a tough economy while tightening expense controls.

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Properties for Rent in Palm Jumeirah

Hotel & Hotel Apartment for Rent in Dukes The Palm, Palm Jumeirah

No Commission|All Bills Included|Beach Access

Property type:
Hotel & Hotel Apartment
Property size:
300 sqft / 28 sqm
79,999 AED / Yearly
Report this listing

Dukes The Palm
Dubai, Palm Jumeirah

Julija Kiseliova
Palm Jumeirah Property Consultant at ENGEL & VÖLKERS Dubai
Speaks English, Russian

Built in Wardrobes
Children's Play Area
Kitchen Appliances
Shared Gym
Shared Pool
View of Water

Engel & Voelkers is honored to present this amazing, fully furnished and fully serviced Studio in Dukes Hotel located on Palm Jumeirah.

Property Details:
- Luxury hotel apartments
- No agency fee
- Flexible cheques
- Fully serviced
- Free maintenance
- All bills are included
- High-speed internet
- Next to Nakheel Mall and Monorail station
- Parking space
- Fully furnished with equipped kitchen
- Housekeeping twice a week including bed linen and towel change
- Access to the facilities: 24h gym, indoor and outdoor pool and beach
- 20% discount for all hotel facilities (restaurants, bars, spa)
- 50% Discount on laundry service
- Studio sizes range from 290 to 527 sq. ft.
- Prices range from AED 79,000 to 125,000

About Palm Jumeirah:

The world’s largest and grandiose man-made island in the immaculate waters of the Arabian Gulf, Palm Jumeirah is a true resort-style community described as not just a place to be, but rather an experience. Elicits exceptional luxury that features themed hotels, villas, apartment buildings, beaches, marinas, restaurants, and a variety of retail outlets.

Engel & Voelkers is one of the world’s leading service companies specializing in the brokerage of residential and commercial properties, yachts and aviation, with 800 offices in over 30 countries.

Contact Engel & Voelkers today for further details.

Prices & Trends

Like this property? Come back to it later, easily.

79,999 AED / Yearly
Report this listing


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Simple and Effective Jinn Pari Mantra Sadhana

A very simple but effective Jinn Pari Mantra Sadhana for invoking the Jinn-Pari who is an Angel or Fairy has been described by me in this post. The practitioner attempt to make a most beautiful feminine entity in human form manifest and help him every possible way, including physical and financial ways.

The Jinn Pari has been described as a most beautiful and seductive entity with enchanting looks that can make any man attracted to her like a magnet. There is a very enchanting and seductive perfume, like fragrance emitting from her body.

If the practitioner succeeds in invoking the Jinn Pari, her conduct towards the practitioner will depend upon how he visualizes her. If the practitioner visualizes her as a wife, she will behave like a wife or if the practitioner visualizes her like a sister, friend or mother, she will behave in the same manner with the practitioner.

Muslim Jinn Pari Mantra Sadhana

This Jinn Pari Sadhana is not complicated and it can be practiced by any person who is well-versed and experienced in the practice of Pari, Apsara, Yakshini and Yogini Mantra Sadhanas.

The Jinn-Pari Mantra Sadhana given is the basic form of this Sadhana and is derived from an authentic and reliable experience of the invoking of this Sadhana, which was written by a Siddh Sadhak of this Tantra.

The Vidhi of practicing the Jinn-Pari Mantra Sadhana is given below.

The Jinn Pari Mantra Sadhana has to be practiced on a Friday night by following the procedure mentioned below.

1] The practitioner has to put 10 fresh roses in his bathwater and wait for about 10 minutes and then have a bath using that water.

2] Then he has to wear fresh clothes and apply high-quality Ittar or Attar on his body and start the chanting of the Jinn-Pari invoking Mantra given below at Midnight.

रब्बे इन्नी मंगलबुने फन्तसीर ||
Rabbe Inni Mangalbune Fantaseer ||

3] There is no fixed number of Mantra Chants or any ritual or worship prescribed in the Apsara Tantra in order to practice this Jinn-Pari invoking Mantra Sadhana.

This means that the practitioner has to keep chanting the Mantra throughout the night and as per the Apsara Tantra if the Jinn-Pari is attracted by the practitioner, she will appear before the practitioner at any time during the night.

4] This is a one-night Mantra Sadhana that can be repeated on other coming Fridays if the practitioner is unable to invoke the Jinn Pari on the first Friday.

Notes- All the information that is given in this post is based upon the experiences of a Siddh Sadhak contained in an authentic Tantra on Apsaras and Paris

All kinds of Pari, Apsara, Yakshini Sadhanas can be seen in the sections on Yakshini Mantras and Tantra and other sections of this site.

The Hindi language video of this Mantra Sadhana can also be seen on our YouTube Channel -

  1. Guru ji ye mantra jap raknay say phalay kuch bi khana ya phinay ka niband hay

  2. Sir, Can a lady or a girl perform this Sadhana? Kindly reply. Thank you so much.

  3. Neel sir.. 1.Would it be easy to ask the pari to leave us if we do not require her help in any way anymore. 2. What r the dangers of having a pari as either a friend or as a sister or as a wife.. Very very keen to know sir

    1. It isn't that easy to send back a Jinn or a Pari coz when they come to you they leave their world anc come to you.. It is a Commitment between you and the Entity ..

  4. sir(marutidasoham)..sir i am very sure that your comment is as an answer to what i asked or queried. thank you so much sir for that.

  5. what are the dangers of this sadhana, can anyone please share there experience

  6. i would like to chant jinn pari as a wife and lover. possible. And what about the wife i am living with . In yakshini upasana . if person thinks to have yakshini as his wife means the individual should not have wife. Explain please.

  7. Neel jhi. my question not answered. please answer my question so that i can chant her every friday.

    1. That is right, the practitioner should be unmarried otherwise his wife will face unknown problems, which cannot be known beforehand.

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Nostradamus-prediction of revolution in India


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Walking while at work!?

How many of us spend our day at work and barely move from behind our desks, except perhaps to make a cup of coffee or grab something to eat?

In this day and age, everyone is acutely aware of the benefits of exercise, but many of us are forced in a sedentary lifestyle Monday to Friday. Continuing our fitness and health theme for just a little longer, we have some ideas to help you shift a few pounds, improve your health and help to make you feel a little better at work.

Your health:

If you’re too busy at work and keep falling back on the excuse of ‘no time’, Then a lunchtime walk could be the ideal solution for you! The health benefits of a simple, brisk walking routine are well-established – a daily walk can help you lose or manage weight, prevent conditions such as high blood pressure, strengthen your bones and improve balance and co-ordination.

Sitting all day is deadly:

Even if you do get a workout in during your day, the eight-plus hours you spend sitting at your desk isn’t good for your body and may even counteract that effort at the gym. Small bursts of activity during the day go a long way towards improving your health.

Out and About:

While moving at lunch is good for your body, actually getting outside on your break could be even better! Many studies point to a positive relationship between time spent outdoors and mental well-being. A walk outside with fresh air and change of environment can help you to feel energised and actually improve your work rate for the rest of the day!

Make it Social:

Why not invite your colleagues along to make your walk a little more fun and socially interactive. Studies have show that meeting up with friends can boost happiness and reduce stress, perfect if you work long hours in a stressful role.

Improve Your Brain Power:

Taking a walking break can actually help to improve focus. Exercising your body pumps more blood everywhere, including your brain and the extra blood and oxygen you get from exercising can help you to perform better mentally.

At Prospect Business Park, we are blessed with a rural site with some lovely scenery and a very secure area, so why not bring those walking shoes, or perhaps even some jogging gear to work tomorrow and start putting in a few laps during lunchtime?


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Bodrum Airport Transfers Antalya Airport Transfers dalaman airport transfers Afrodizyak Paykwik hacklink

And neither does Boris Graffiti.

But the newly released Manifesto title generator (included as a free update to the Noise Industries FxFactory package) can spell check:

When you load the Manifesto (Static) generator choose the Multiple Lines option, even if you’re only going to have a single line, and click Edit.

This opens a separate edit window which supports spell checking.

Spell check also works with the Manifesto Roll/Crawl generator which requires edit pop-up for text entry (unless you import text from a file).

BONUS GIVEAWAY: As an added bonus to our Reader Submitted Quicktips we’ve got an additional giveaway to the winner of the best reader submitted Quicktip. KPL Productions has offered up one copy each of their timecode calculators for iPhone and iPad. See the original 28 Days of Quicktips post for details on how to submit your own Quicktips for a change to win.

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How to respond to negativity in online communities

Online communities are great places to connect with customers. But how do you handle the trolls?

Most brands and their business leaders understand the importance of using online communities to connect and engage with key constituencies. It’s an increasingly important element of doing business in a world where customers and clients want companies to have a human voice, not just a faceless brand identity.

But communities are filled with living, breathing people who are not always at their best. Some use community forums to air legitimate complaints against your company. But others are simply spoiling for a fight. So how should you deal with that kind of negativity?

First, you can limit your exposure to hostility by being very selective about the communities you join. Find out if the community’s principles and values match your own and if it’s well managed and moderated.

Not all interactions need to be positive, but they should be respectful. If they’re not, a moderator should step in and diffuse anything that feels like indiscriminate trolling.

Make sure you understand the community’s policies and procedures before you jump in. Also, assess your own goals for participating and only choose communities where you can play a valuable role.

What are you looking to accomplish? What kinds of discussions will you participate in and what topics are merely a distraction? Resolve to be proactive and not merely reactive. If you do find yourself in a situation where things are getting nasty, here’s what to do:

First, don’t ignore negative comments. These communities exists with or without you. If you avoid responding for fear of being attacked further, it’s unlikely to stem the tide of criticism. In fact, it can make things far worse.

In the digital world, those who show up reap any and all the benefits. If you don't show up, you’re forfeiting your chance to come out ahead. The exception is obvious trolling that clearly has a harmful intent. The last thing you want to do is give oxygen to a troll by going 50 rounds in a fight you can’t win.

Ask yourself if the comment or complaint is valid. Before jumping in with a response to a negative comment, do your homework. Are you dealing with a legitimate complaint ("Airline X lost my luggage and it’s been a week since anyone contacted me") or random angry venting ("Airline X is terrible -- they’re out of peanuts.")?

Be transparent and respond promptly, especially to comments that could steamroll into broader discussions that can easily get out of control. Show the community you are willing to own your mistakes, fix them, and make sure they don’t happen again.

Never respond with anger. We’ve all read online restaurant reviews in which angry customers go on endless rants, picking apart everything from the decor, to the service, to the wine list. And this is where many small business owners fail by responding with equally angry comments because it feels pretty good to fight back. But the effect is disastrous.

Casual observers now have the impression that the business owner is just as filled with rage as the reviewer and customers decide to stay away. Hostility and anger can represent a tremendous opportunity, but not if you see it as a way to get even.

Remember, online conversations exist for a very long time and you’re not just responding to the hostile individual, but to every person who reads the exchange.

Even if there is anger in the thread, a thoughtful, empathetic response will win over not just the some active community members, but many lurkers who never comment but who represent the vast majority of readers.

Call in reinforcements. Sometimes, you’ll need a little help responding to negativity, so don’t hesitate to invite ambassadors into the conversation. A key employee trying to fix the problem, a manufacturing partner, a loyal customer, all can help defuse a potentially explosive situation by offering solutions and a different perspective.

But remember, this is an opportunity to have a genuine discussion, not to engage in PR or marketing. Anything that reeks of spin will earn you even more criticism.

Lasly, remember that every comment you make, every conversation you engage in, becomes part of your long-term digital archive. So think about how you want to brand yourself, what you stand for, and how you want others to perceive you.

If you are consistent, honest, and empathetic, you’ll gain the kind of respect and credibility that can help deflect any future negativity.

Scott Gerber is the CEO of The Community Company and coauthor of the book Superconnector: Stop Networking and Start Building Business Relationships That Matter.

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CLIENT SPOTLIGHT: Grillo's Pickles

If you haven't been to the Grillo's Pickles website, you should. There, you'll find the fantastic story of how this company began. We've copied part of it here to save you a click.

Grillo's Pickles began with a pickle cart, just a small wooden stand in downtown Boston, where Travis Grillo and his friends would sell two spears for one dollar. Travis would make the pickles by night using his family's 100-year old recipe - one he'd memorized from making pickles every summer as a kid. In the morning, Travis would bike to the Boston Common and set up the cart with his buddies. They'd hang out all day, urging people to try the simple Grillo family pickle. It was a small business but Travis worked hard for it. He made more pickles, biked more miles, and slept less hours than he ever had before.
Read More..

CLIENT SPOTLIGHT: Factory Five Racing

Factory Five Racing was founded in 1995. Over the years they have grown from a start-up business in a small garage to become the world's largest manufacturer of "build-it-yourself" component car kits. They employ a full-time crew of about 40 people, and are located in Wareham, Massachusetts (about an hour south of Boston). They make their products right here in the USA, in the heart of New England where American manufacturing was born.
Read More..

Fred and Danny Magnanimi grew up watching their father create beautiful, handcrafted jewelry in the family's Cranston, RI jewelry manufacturing business. When the boys grew up, Fred moved to New York and began working on Wall Street as an investment banker, while younger brother Danny, still enamored by the family business, stayed home. Increased competition from overseas businesses created significant challenges for the business, but Danny was confident he could find a way for the family business to evolve and thrive. This was his mission, this was his passion.
Read More..

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        Colin A. Coleman
        Colin A. Coleman

        Colin A. Coleman

        Partner-in-Charge, Boston Office

        Colin prides himself as being more than a lawyer to his clients. He is a trusted business advisor who sweats the details so his clients can rest a bit easier. Colin serves as general counsel to a wide variety of businesses where he offers comprehensive, practical advice to business owners on such matters as business organization, contracts, licenses, employment, tax, mergers and acquisitions, business planning and exit strategies. He has extensive experience representing business clients in a wide range of industries including professional services, financial services, manufacturing, and middle-market companies in the review and preparation of partnership agreements, shareholder agreements and limited liability company operating agreements.

        Additionally, Colin advises buyers and sellers in the purchase and sale of businesses.  He represents commercial developers and commercial lenders in real estate development projects and financing transactions.

        Prior to joining Partridge Snow & Hahn, Colin successfully ran a boutique corporate law firm for twenty years.

        • Boston College Law School, J.D., cum laude
        • Fordham University, B.A., History

        Bar Memberships & Admissions

        • Massachusetts
        • Rhode Island

        Practice Areas

        Community Activities

        • Neighbor Brigade
          • President of the Board of Directors
          • Strategic Planning Committee
        • Needham Community Council, Inc.
          • Past Board President
        • St. Bartholomew Parish
          • Volunteer
        • Boston College Law School
          • Alumni Volunteer and Past Alumni Council Member
        • Fordham University
          • Alumni Volunteer

        • Recognized as a Go To Business Lawyer by Massachusetts Lawyers Weekly, January 2021

        Personal Note

        In 1903, a 14 year old boy arrived alone at Ellis Island, determined to succeed in this new land. Though possessing only a 3rd grade education, he quickly realized what America had to offer. He soon apprenticed for, and became, a barber in Lawrence, MA. While this trade was more rewarding than those generally available to immigrants, he was not satisfied. He wanted a formal education.

        He began to study English and mathematics, as he knew he must first master these disciplines in order to succeed. After several years of self-study, he approached Dr. Alfred Stearns, the headmaster at Phillips Academy Andover. Impressed with the man’s determination and drive, Dr. Stearns allowed him to take the entrance examination. After passing the exam, he was admitted as a 24 year old freshman. His academic performance later earned him a scholarship.

        This remarkable man went on to attend Harvard University and Boston University Law School. He practiced law in Wakefield, MA until he was 88. He is Anthony, Colin’s grandfather. Two generations later, Colin shares the same passion for law that his grandfather had.

        If you have the chance, ask Colin about his two year Jesuit volunteer experience in the Marshall Islands.

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Broken Hill

15 August 2010

Seven trampers’ hopes of escaping the Christchurch cloud were only slightly dashed when we arrived at Craigieburn cutting to find the hills still shrouded in low cloud. Ever optimistic, we were sure we would climb above it and, in order to do so as quickly as possible, we headed into the trees and scrambled straight up the hillside. Mercifully it was a short climb and we quickly emerged onto a gentler ridge where, whilst we weren’t actually in the cloud, we were still surrounded by it.

The lack of a view proved interesting in itself. With only the tips of the mountains were visible, they appeared to float on top of the clouds and, in addition, we got to see a fog bow displayed against the cloud bank behind us (a phenomenon related to a broken spectre). By the time we reached the snow the view had cleared although the cloud stayed in the valley below until early afternoon.

After lunch we headed over to the higher peak at the back. Enjoying the walk in snow and sunshine we smugly wondered if it was still cloudy back in Christchurch. From the top the plan was to head down a ridge to pick up a farm track back to the cars. At this point the three committee members in the group whipped out their crampons and headed down the snow leaving the rest of us to try the scree covered ridge (crampons weren’t mentioned in the newsletter). We mulled over this seeming conspiracy as we slowly picked our way down scree which was mostly frozen (with just a thin unfrozen loose layer to make travel interesting). Lower down the scree was deeper but with large rocks one of which set a large area of scree moving when I put my foot on it – Keith (below me) nimbly leapt out of the way. The crampon group also found the snow difficult and were surprised to reach the bottom first. At this point the tramper whose slow careful travel down the scree had slowed down the non-crampon group quickly volunteered to write the trip report (note: this method of avoiding mention may not work if the editor is on your trip).

Walking along the dirt track we had a great view of the steep rocky ridge behind cave stream - which also reminded us just how far we still had to walk. We did, however, get to enjoy the pink blush the setting sun painted on the snow covered Torlesse Range. After a 5pm afternoon tea stop, Tim and Gary went on ahead to the cars but ended up waiting to direct the group when they reached a point where they decided it would be best to leave track and cut across to the road. This was a good decision with the only obstacle a narrow but deep channel to jump. I can only report what I saw, which was Mary being helped up the bank by Keith after not quite falling in. I won’t spread the rumours that I heard, as I promised to be nice to Keith for staying with me on the scree slope. I’m sure he was just being a hero and that there’s no way he would stoop to a bit of pay-back over the crampon incident.

We got back to the cars at 6.10pm (after 8 ½ hours tramping) and got changed as darkness fell. Despite the late hour (or perhaps because of it) we did stop at Springfield with everyone opting for food with their coffee. The trip finished on a sad note as the Old West Coast rd was closed for several hours while a fatal accident was investigated. Tim and Mary followed their GPS down a maze of dirt roads with Kevin and another car following trustingly. We made it out to the West Coast road eventually but lost the other car on the way -are they still out there driving in circles or did they know their way all along?

Mary and Tim Hines, Kevin Hughes, Keith McQuillan , Ken Rapson , Gary Huish, Heather Murray (Anon)


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Home » Broker Reviews » Plus500

Plus500 Review

Disclosure: PublicFinanceInternational might receive a compensation from the products we feature. This does not affect our opinions. Our opinions are our own.

Featured Image Plus 500
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76.4% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money.

Plus500 is a global high-tech CFD and Forex trading platform founded in 2008. Retail investors around the world trust Plus500 for online trading. Listed on the London Stock Exchange, it is a safe and regulated broker. Their trading platform is one of the best. They offer CFDs on: forex, ETFs, cryptocurrencies, options, indices, shares, commodities and more. ASIC, FCA, FSA, CySec, FSCA, MAS regulate Plus500.

Plus500 is a trusted online broker best for their great desktop trading platform and one of the best mobile platform. We found that Plus500 is great for CFD traders, customer support, easy to use platform and account opening process. The downside is their markets portfolio, offering only CFDs.

Demo account:Yes
Minimum Deposit:$100
Regulated by:FCA, ASIC, CySec, FSCA, FSA, MAS
Copy Trading:No
Minimum Trade:Varies
Markets Available:CFDs on more than 2000 instruments
Mobile App:Yes
Web Trading Platform:No
Countries available:50+
Islamic Account:Yes
Deposit Methods:Mastercard, Visa, PayPal, Skrill, Bank Transfers
Our Score:4.7/5

Pros and Cons

Great proprietary platform
Only Offers CFDs
Mobile App
Support could be better
Trusted and Regulated
Wide Variety of Instruments

We recommend it for advanced traders, looking for a reliable and trustworthy platform.

Plus500 is listed on the London Stock Exchange (LSE). Read more about the company on Wikipedia.

Why should you read this review?

Choosing the right trading platform is important if you want to become an active trader. This review goes over the pros and cons of Plus500, their fees, trading platform and more. It will help you in assessing and understanding if this trading platform is a good fit for your needs.

What’s best about this broker?

The main advantage of Plus500 is their easy-to-use platform and low trading fees.

The best things are:

  • Traders open a demo account in a few minutes online. Real money accounts need to be verified. The time-frame depends on workload. It takes a few business days.
  • Fees are on the low-end of the industry.
  • This broker is considered safe due to the regulatory coverage.
  • The company is on the London Stock Exchange.
  • Plus500 trading platform is user-friendly and a good fit for advanced traders.

Platform Overview

Plus500 is a leading provider of Contracts for Difference. These innovative financial vehicles allow retail investors to take both long and short positions on a wide variety of financial instruments. These include, but are not limited to, stocks, foreign currency pairs, ETFs, cryptocurrencies, and indexes.

CFDs are an agreement in which the trader benefits from the price movement of the underlying security without taking actual possession of the underlying asset (CFDs are complex instruments and come with a high risk of losing money). If the trader takes a long position, profits come from upward price movements. Short positions generate gains if the price of the underlying security goes down.

All of the financial instruments offered are traded as CFDs.

These are better for day-trading than long-term investments. There are certain additional costs associated with holding these contracts for a period longer than one day.

Web-Based Platform

Web Based Platform - Dark Mode

The web-based trading platform has a user-friendly interface that enjoys positive 4+ ratings from most of its users. It provides an extra layer of security through two-step logins. Plus500’s trading platform provides reports on fees, historical transactions, positions, and other important information regarding the user’s trading account.

The negative side of the Plus500 platform is that it is not customizable. It does not feature advanced charting tools and it has its limits with the screen layout.

Their trading platform is great for beginner to intermediate traders, but lacks for experienced ones.

The search function works and it allows traders to find the security they wish to trade. Plus500 gives traders the possibility of receiving e-mail, SMS, and push notifications. These trigger if the price of a certain asset moves.

Mobile Trading App

Mobile Trading App On Tablet and Phone

Plus500 mobile trading app features most if not all of the tools and options available within the web-based version. This includes its charting tools, search module, and reports.

The mobile trading app is available for iOS, Android, and Windows Phone operating systems. It sends push notifications to smartwatches if you have one. Biometric authentication is available for extra security.

Placing orders through the mobile app is easy. Traders buy and sell securities in a matter of seconds by taking advantage of all its features.

How to Open an Account?

Types Of Accounts Available

Opening a demo account with Plus500 is easy. It takes a few minutes to register and complete the registration. Real money accounts need to be verified. It takes a few days, depending on the workload.

Plus500 accepts investors around the world. There are a few locations that are forbidden from registering. These include Cuba, Iran, and Syria, to name a few. US and Canadaian investors cannot open an account with Plus500. These countries have banned the sale of CFDs to retail investors.

Step-by-step process to open an Plus500 account:

  1. Finish the online registration
  2. Provide proof of residency and documents to verify your identity (national ID, passport, utility bill, etc)
  3. Wait to get approved
  4. Deposit funds to start trading

Minimum Deposit

The minimum deposit at Plus500 is $100. They accept debit cards, credit cards, and electronic wallets. Bank transfer minimum is $500.

Plus500 Deposit Methods and Options

Plus500 deposit methods:

  • Bank transfers
  • Credit or debit card
  • Electronic Wallet
  • PayPal
  • Skrill
Deposit Options

Bank transfers may take several days to be cleared. Deposits made with debit cards, credit cards, and electronic wallets are instant. You will find the instructions in the Funds Management section of Plus500 trading platform. Plus500 doesn’t not charge deposits fees. There are 10 different base currencies for their accounts.

Types of Accounts

There are two types of accounts available at Plus500:

Both accounts – Retail and Pro accounts – are the same in most aspects. The main difference between them is that the retail account features lower leverage ratios compared to the Pro account. Professional clients do not have ICF rights.

In order to be eligible for a Pro account, the trader has to have a certain minimum amount of net assets or a certain minimum amount of income. Traders have to answer a few questions to verify that they understand the risks involved in using higher leverage ratios.

Markets & Products Offered

Plus500 trading platform offers traders CFDs on all popular markets, and forex trading. The range of markets is good, compared to their competitors. They offer low spreads and leverage.

  • 1,800 Stock CFDs
  • 33 Stock Index CFDs
  • 92 ETF CFDs
  • 22 Commodity CFDs
  • 14 Cryptocurrency CFDs
  • 70 Spot Currency Pairs

Order Types

Plus500 has four different types of trading orders:

  • Market order – this order is executed at the current market price of the security
  • Limit order – a limit order sets a maximum price at which you are willing to buy the securities or a minimum price at which you are willing to sell the securities. The order will only be executed at the limit price or better.
  • Stop order – a stop order limits losses in case the market price falls below the stop price. The order will become a market order once that price is reached.
  • Trailing-stop order – a trailing-stop order allows traders to gain from any favorable price movement until the trend reverses and the price falls by a certain percentage or down to a certain price.

While limit, stop, and trailing-stop orders work by setting a limit or stop price. Plus500 does not guarantee the order is executed at that exact price. That is due to slippage.

Slippage occurs when the market price of a security experiences significant volatility and the broker is unable to secure the price established in the order.

While the platform will do its best to fulfill the order based on those price targets, if it is unable to do so they cannot be held responsible for any slippage occurred in the process of buying and selling the securities.

Trading Fees

Plus500 has low trading fees compared to several of its rivals. They don’t charge a withdrawal fee on the first 5 withdrawals per month, this is a plus for traders with small amounts of capital. Plus500 doesn’t charge commission fees or trading fees. They make money form the bid/ask spread of the CFDs they sell and the currency pairs they offer.

The spread means that you’ll pay a certain amount above the quoted price for buyers or receive a bit less than the price quoted.

The average spreads charged for some of the financial instruments available:

  • S&P500 CFDs – average spread cost 0.45.
  • Europe 50 CFDs – average spread cost 1.
  • Forex – cost per EUR USD trade is typically 0.6 pips.

It is a bit difficult to list all the fees per trade based on the information that is available. Spreads vary per each of the financial instruments the trading platform offers.

Based on hypothetical calculations on the trading leverage used, the amount of capital invested, and the type of position held, fees are low. The average cost per trade is on the low-end of most trading platforms available.

Inactivity Fee

Plus500 charges an inactivity fee. Customers who have not logged into the account for more than 3 months are subject to inactivity fee. The fee is $10 per quarter after this 3-month period has passed.

The inactivity fee is triggered for not logging in. Some brokers charge inactivity fees for not trading, so this is a plus.

Overnight Funding Fee

If you hold securities overnight, an overnight funding fee is charged. Read about it here. The overnight funding amount is either added to or subtracted from your account. That is if a position is left open after a certain cut-off time. Fees are a percentage of the amount of leverage associated with the position. The percentage is quoted next to the price of the financial asset.

Leverage levels available for traders vary depending on where traders are located and the particular laws.

Leverage levels for retail accounts:

  • Stock index CFDs – 20:1 leverage
  • Stock CFDs – 5:1 leverage
  • Forex – 30:1

A 30:1 leverage means you are able to borrow $30 per each $1 committed.

One of the downsides is that leverage levels are fixed. Leverage cannot be modified in case the trader wants to reduce risk associated with the position.

Research Tools

The research tools available within Plus500 trading platform are limited. Its charting tools are good for beginners. There are 107 technical indicators that are be applied to the charts. Both the webtrader and the mobile app of Plus500 offer charting tools. The charts in the mobile trading app don’t look as nice as in the webtrader due to the lack of space.

Charts are saved after the trader has applied all the indicators to it. This is nice, considering the high number of different securities a day-trader may analyze during a single session. There’s a news feed comprised of an economic calendar and a corporate events calendar. There is no real-time news feed featuring major news outlets such as Reuters or CNN Money are available within the platform. That’s a downside for traders.

A “Trader’s Sentiment” tool is also embedded within the overview section of the different assets offered by Plus500. It indicates the percentage of traders that are buying/selling the security during the session ie. 41% sellers vs. 59% buyers.

Another point worth noting for the Plus500 platform is that no data on the fundamentals of each of the stocks are available for traders. This means that they have to do their own research outside the trading platform.

Educational Tools

Education and training ins’t the best at Plus500. The company has a demo account for traders who want to try out the platform before they deposit money into it. Experimenting with the demo account is great for beginners who don’t have trading experience.

Plus500 website has a section called “Trader’s Guide” featuring 6 short videos:

  • Slippage when opening a position
  • How to trade?
  • Popular trading strategies
  • What is a Rollover?
  • What are options?

These videos are tutorials on how the trading platform works. These educational tools aren’t for traders who want to boost the performance and results of their portfolios.

Plus500 has a Risk Management section. It explains each of the types of orders available and how they help traders in minimizing risk.

There’s also a FAQ section:

  • Account verification process
  • Bonuses
  • Deposits
  • Fees & Charges
  • Financial instruments
  • Opening an account
  • Regulators
  • Submitting identification documents
  • Trading
  • Withdrawals

There are materials that guide the trader through the platform. None of the educational resources help traders improving their skills.

Customer Support

Plus500 customer support enjoys positive reviews from traders within their platform. The Plus500 platform has live chat customer service and e-mail customer support and representatives are available 24/7. They help traders in solving any potential issues they may encounter during their trading activities.

Users reported that e-mail responses take up to an hour, though response times vary depending on the complexity of the issue. Traders report that this broker is transparent with disclosing their rates and fees.

Plus500 doesn’t offer phone customer service.

Withdrawals Options and Fees

Plus500 withdrawal is easy and straightforward. They allow traders to withdraw money five times a month without any fees. After, the withdrawal fee is $10. There’s a minimum withdrawal amount of $50 for PayPal withdrawals and $100 for bank transfers. If the amount is lower than the minimum, it costs $10 to withdraw.

Withdrawal Methods

There a variety of withdrawal options available:

  • Credit or Debit Card
  • Wire/Bank Transfer
  • e-Wallets (PayPal or Skrill)

Withdrawals made to a credit/debit card and bank account take up to 2 business days.

Is This Trading Platform Safe?

Plus500 is a safe online broker. It is regulated by various top-tier financial authorities including the Financial Conduct Authority (FCA) in the United Kingdom (traders are protected under the Financial Services Compensation Scheme (FSCS), the Monetary Authority of Singapore (MAS), and the Australian Securities and Investment Commission (ASIC). Plus500CY Ltd is authorized & regulated by CySEC (#250/14).

The company is listed on the London Stock Exchange. This adds a significant degree of transparency to its operations and to the company’s solvency and liquidity. This is crucial to protect the money it holds for its investors.

The firm is regulated by top-tier institutions worldwide. This lowers risk, as these regulatory bodies promote transparency and a certain degree of reliability to the company’s operations.

Balance Protection

Balance Protection Amount
Regulated by
Regulated by the Financial Conduct Authority (FRN 509909)
Plus500 UK Ltd
South Africa, New Zealand and South Africa
No balance protection
ASIC (AFSL #417727), Financial Markets Authority (FSP #486026), and FSCA (FSP #47546)
Plus500 AU Pty Ltd
EU, Norway, Switzerland (EEA)
Cyprus Securities and Exchange Commission (#250/14)
Plus500 CY Ltd
No balance protection
Israel Securities Authority (#515233914)
Plus500 IL Ltd
No balance protection
Monetary Authority of Singapore (#CMS100648-1) and the IE Singapore (#PLUS/CBL/2018)
Plus500 SG Pte Ltd

How safe is it to trade CFDs?

According to the Financial Conduct Authority (FCA), the UK’s financial regulatory body, and the European Securities and Markets Authority (ESMA), investors who trade CFDs are exposed to a high risk, as trading CFDs involves taking short-term positions in volatile financial instruments. Research shows that more than 76.4% of investors who trade CFDs through Plus500 lose money when trading. High costs associated with these transactions, the amount of leverage used, and volatility of the markets tend to evaporate their account balances.

In March 2019, ESMA decided to renew a restriction that forbids the marketing, distribution, and sale of CFD products to retail clients in Europe for a period of three months starting on May 1, 2019. These restrictions included a limit on the degree of leverage on various types of CFDs, the minimum required margin that would trigger a margin call, and a restriction on the incentives offered to trade CFDs. The institution enforced the publication of risk warnings to inform investors about the potential of losing money.

Before you trade CFDs with this provider, you should make sure you understand CFDs. Investors are advised to invest money they can afford, as they are exposed to high risk.

Plus500 is an excellent online broker for advanced traders looking to trade CFDs. It is regulated by tier-1 authorities and listed on a stock exchange. This makes it a safe broker for trading securities on their platform. Plus500 is on the low-end when it comes to trading fees. The user interface of its web-based and mobile platforms are great. Minimum deposits are low. Pro account provide significant levels of leverage for Forex traders.

Plus500 is among the best platforms available. This review should provide enough details for you to know what to expect when you sign up for their trading platform.

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76.4% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money.

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Originally featured in the NYC Department of Education Charter Schools Weekly email newsletter.

Charter School Hero: Karina Lopez,  Director of Student and Family Affairs

Girls Preparatory Charter School of New York

Nominated by Alexis Cardasis, Academic Director

What makes this individual a hero?

Karina has been a dedicated part of our community for years, starting as an after school coordinator and then as our current Director of Student and Family Affairs. Karina is an incredible educator and is an integral part of our school leadership team. She is the glue that keeps us connected to our students and families and never, never gives up on children; even when other people have thrown in the towel out of frustration, Karina finds a way of connecting with a child and forming a relationship so that they can be more successful in school.

On a daily basis, Karina goes above and beyond for our community. She supports our team in creating a student culture that is positive and responsive, but also holds high expectations for students. Her job can be extremely stressful, with multiple kids coming in to her office for emotional support and reaching out to parents, but she handles these challenges with grace and a sense of humor. She is humble in the best sense of the word.

Please give one example of this individual's heroic actions within the school community.

During the COVID-19 school closures, Karina truly stepped up to the plate to ensure that our kids felt seen, heard and supported. A perfect example of how amazing she can be is the planning and preparation that she put into creating a truly magical 8th grade “prom“ for our graduating class. While a virtual prom in a pandemic seemed insignificant to some, nothing could have been more important to our kids. Karina sensed that a celebration like this would help bring a sense of normalcy in uncertain times and she rose to the challenge. Prior to the celebration, one of our most self-conscious students was unable to get her hair done and no salons were open due to COVID. Seeing a need, Karina got in her car, picked up this student and brought her to a family member's house to get her hair done and her outfit ready for the dance. Not many people knew about the lengths that Karina had gone to get this girl ready for prom, but seeing this student feeling beautiful on her special night was worth it. Karina not only hosted a fabulous Zoom prom, complete with a DJ and student highlights, but she allowed our kids to be seen for the beautiful humans they are in the midst of a national crisis.

What else should the NYC charter school community know about this hero?

Karina is an incredible human being and should be celebrated!


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Home / Locations / United States / Texas / McKinney / Business-Storage-Units

Business Storage Units in McKinney, TX

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North Haven Marriage & Divorce Records (Connecticut)

Search for free North Haven, CT Marriage & Divorce Records, including North Haven marriage certificates & licenses, divorce certificates, decrees, licenses, and more.

North Haven Marriage & Divorce Records Office

Get Marriage & Divorce Records from 1 Office in North Haven, CT

North Haven Town Hall 18 Church Street North Haven, CT 06473 203-239-5321 Directions

North Haven Marriage & Divorce Records Databases

The North Haven Marriage & Divorce Records (Connecticut) links below open in a new window and will take you to third party websites that are useful for finding North Haven public records. Editorial staff monitor and update these links on a frequent basis.

North Haven Memorial Library Website

North Haven Town Clerk County Records

North Haven Town Clerk Website

North Haven Marriage & Divorce Statistics

Data Source: U.S. Census Bureau; American Community Survey, 2017 ACS 5-Year Estimates.

North Haven Marital Status
Married Couples5,144 (60.0%)
Unmarried Couples386 (1.6%)
Never Married Men2,848 (29.4%)
Never Married Women2,471 (23.8%)
Separated Men83 (0.9%)
Separated Women108 (1.0%)
Widowed Men357 (3.7%)
Widowed Women1,110 (10.7%)
Divorced Men612 (6.3%)
Divorced Women1,043 (10.0%)


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LewisGale Pulaski to Open New Behavioral Unit

New Behavioral Health Unit Opening at LewisGale Pulaski
Posted on 08/22/2019

Mental health and addiction are both prominent issues anywhere you look, whether it be a small town or somewhere like Roanoke or Richmond. Depression and other mental illnesses don’t discriminate; they can hit anyone at any time, and the same is true when it comes to addiction. Some may be more prone to developing these particular afflictions, but anyone can be affected.

LewisGale Hospital Pulaski is leading the charge on these issues in Pulaski with the opening of their new Behavioral Health Unit. The new unit will focus on the issues mentioned above, targeting those individuals who would best benefit from a short-term stay to better evaluate their needs on a case-by-case basis.

As LewisGale puts the finishing touches on their new facility, they look forward to the added ability to assist residents in Pulaski and the New River Valley. One huge benefit of the new unit is accessibility. A large portion of people seeking treatment have previously had to travel outside of our area; there simply haven’t been enough resources in place at local hospitals and healthcare providers to tackle these issues. In the future, the reduced amount of travel time will greatly encourage individuals to seek the help they need, closer to home.

The Town of Pulaski is committed to ensuring the safety, health and well-being of our residents, and we are incredibly proud to call LewisGale Pulaski an invaluable component in realizing these goals.

Town of Pulaski | All Rights Reserved | Powered By CivicLive | © 2021 Intrado Corporation


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Your daily car park partner | Q-Park

In recent years, the parking market has undergone a remarkable development, with a real modernisation of parking lots. A challenger on the market, Q-Park France devotes all its energy to reinvent its business, build sustainable growth and have an increased commitment to the stakeholders.

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Due to its experience and savoir-faire, Q-Park can support real estate developers and planners in the development of their projects by offering optimised parking solutions.

In fact, Q-Park can perform proliferation studies of your projects in order to offer you the realisation of shared parking lots, thus allowing to better adapt the capacities, costs and functioning to the real needs and to become a part of the development of the cities in a sustainable manner.

Serving the construction and renovation

Q-Park provides the financing and controls the process of conception, construction and renovation of the parking infrastructures taking into consideration the surrounding architecture.

Q-Park, by means of its Development Team and its Expertise, surrounds itself with the competences necessary for the delivery of a high quality work and commits to build structures beyond the level required by the standards and regulations in effect.

Everything is implemented in order to make the structure fit perfectly into its environment. The cooperation with the Customer and the French architectural review board (l’Architecte des Bâtiments de France) takes place to ensure that access to the parking areas is provided in harmony with the centres of historic cities and surface facilities.

Q-Park chooses its partner for the construction in each project, depending on the local context, technical sophistication of the work and its ability to meet the architectural requirements established by the House Style.

It requires from the companies, with which it collaborates, to honour its environmental commitments.

Serving your business

The major aspects of the commercial policy implemented by Q-Park are aimed at the participation in the local dynamism and resolution of various parking issues.

Becoming a partner of Q-Park can increase your revenue, reduce your costs or improve the satisfaction of your clients whatever needs you might have. Q-Park will provide a solution adapted to the particularities of your company in order to establish a win-win relationship.

Our Q-Park parking facilities have various partners:
  • Hotels,
  • Convenience stores,
  • Restaurants/Bars,
  • Sports clubs,
  • Theatres/Cinemas/Concert halls,
  • Salons, cultural events, shows, ...
Parking is not an end in itself. As a commercial outpost, the car park allows to revitalise the economic and business structure. Q-Park is attentive to its environment and develops synergies locally.

Based on your needs, Q-Park offers:
  • Preferential tariffs for your clients or your employees
  • Secure parking facilities for your clients
  • Visibility on our website
Q-Park meets the needs of your company by proposing personalised offers based on different products: memberships, packages and other.

Serving your reputation

With more than 14 million visitors per year, and more than 20 000 members using them every day, Q-Park parking facilities remain the sites of your advertising campaigns.

Contact us if you would like to learn more about the advertising opportunities in our parking lots.
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Pregnant Woman | 孕妇
Patients & Visitors
Pregnant Woman
If You Are Pregnant

Studies have shown that pregnant women with periodontal disease are seven times more likely to give birth to a premature or underweight baby (preterm low birth weight baby). The likely culprit is a labor-inducing chemical found in oral bacteria called prostaglandin as very high levels of prostaglandin are found in women with severe cases of periodontal disease. Some pregnant women report large lumps in their gums. These are called pregnancy tumors and can be removed by a periodontist.

Advice for pregnant females

It is important to maintain good oral hygiene practices, such as brushing at least twice a day, flossing daily and visiting a dentist regularly, preferably before pregnancy. Avoid sweet and sticky foods that tend to be high in refined sugars. Brush your teeth after each snack. If you are unable to brush your teeth after a snack or meal, rinse your mouth a couple times with water.

It is ideal to schedule your dental visit between the fourth and sixth month of your pregnancy because the first three months of pregnancy are most significant in your baby's growth. In the first trimester, x-rays, pain medication and dental anaesthetics are usually not prescribed unless they are necessary. In the last trimester, you may experience great discomfort sitting in the dental chair for too long.

In the case of an emergency visit, make sure your dentist knows you are pregnant.


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If you’ve always wanted to try surfing, or secretly suspected you might be a natural (or even a goofy), it seems only appropriate to give the sport a go while close to Surfers Paradise. The team at 1st Wave Surf School have been operating for more than 15 years and know their point break from their beach break (and also goofy from natural – that’s right foot versus left foot at the front of the board, in case you were wondering). The school provides all the equipment you need for the two-hour beginners’ group lessons; private sessions are also available on request for groups or families. A word of warning: despite the name of the area, surfing isn’t always paradise to the newcomer (it’s harder than it looks). It’s a smart idea to do your homework beforehand with 1st Wave’s online surf guide, which includes tips to help you get ahead before your lesson. 1st Wave also runs 1.5-hour introductory sessions to stand-up paddleboarding.

Main Beach is at the northern end of the Gold Coast, 3km from Surfers Paradise and 35km from Coolangatta airport. Here, you’ll find glamorous designer hotel Palazzo Versace and one of the area’s most prestigious shopping destinations, Marina Mirage.

1st Wave Surf School, Main Beach | +61 413 627 873

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• QCPlate

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Indulge in a taste of Italy this Christmas – Quality Villas

indulge in a taste of italy this christmas

If you arent lucky enough to be
staying in one of our luxury villas in Italy this December, why not bring a
taste of Italy to your Christmas table? Christmas is one of Italys most
beloved holidays, and is celebrated with authentic Italian dishes. Take a look
at some of favourite dishes to prepare, which will truly impress anyone you are
having round for lunch.

Antipasto is an Italian version of
canapes, meaning before the pasta. An antipasto platter will always be found
in an Italian home on a special occasion, and not only at Christmas time. It is
a simple dish to prepare and usually comprises of cold cuts of meat such as
prosciutto, mortadella, ham and salami and then marinated vegetables such as
artichokes, eggplant and olives and also cheese. It is the perfect dish to
bring all your guests together at the beginning of the meal.

First Course

Tortellini in Brodo is a traditional
Christmas dish which will impress your guests. It is tortellini which sits in a
delicious broth.

You can buy your tortellini
premade or have a go and make it yourself, and you can fill the pasta with
either cheese or meat. The broth usually consists of chicken and beef which is
boiled and then vegetables are added, this creates a delicious broth which
accompanies the pasta beautifully.

Main Course

Roast capon and roast lamb are
both popular Christmas dishes throughout Italy. Both are extremely flavoursome
and aromatic, unfortunately you cant purchase capon in the UK but if you are
staying at our villas in Italy you can try it. Try going for chicken or lamb as
an alternative.

To accompany your centrepiece,
serve stir-fried broccoli or Insalata di rinforzo. Insalata di rinforzo is a traditional
Italian salad which contains olives, capers, peppers and cauliflower which is
covered with olive oil, salt and vinegar. There will be no harm in serving
traditional roast potatoes, to give your guest an alternative option.

Struffoli are small balls of dough
which are fried and rolled into honey to give them a sweet taste. They are
crunchy on the outside and light on the inside, creating a perfect ending to a
delicious meal.

Related Categories

Here's a list of other related categories that you may wish to discover.


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Matching set of drawers and tallboy available.

Other Colours:

Range Name: I belong to the "CP14" Range.

Total Weight 18
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It had been more than 3 years since Perry had scored a run against North Polk.  The Bluejays pushed across five last night in their season opening win 5-2 against the two time defending state runner-up.  The Bluejays scored five runs off three hits while North Polk missed opportunities stranding 9 runners on base.  The bottom of the order was the difference offensively with the trio of Cavan Finn, Michael Pentico and Zach Roberts reaching base 6 times in 9 plate appearances.  Finn walked three times and scored a pair of runs, while Pentico added a single and walk with 2 runs and Roberts executed a perfect suicide squeeze for a hit and later added a critical sacrifice bunt that eventually plated a pair of runs.  The Perry offense took advantage of 7 North Polk free passes.   Finn picked up the win on mound, going 3 2/3 innings, allowing 5 hits and 2 earned runs.  Junior Will Whiton was sensational out of the bullpen striking out 9 of the 11 batters he faced to pick up his first save of the season.  Whiton inherited a bases loaded jam in the 4th inning and struck out Russell Greene after falling behind 3-0.

Perry will travel to Norwalk tonight for a 7:30 non conference matchup against the Warriors.

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After a few months of being closed to the public as a result of the COVID-19 pandemic, the Hotel Pattee in Perry is scheduled to reopen on June 1st. Along with it will be a new restaurant on the main floor, which will be called “Pattee Cafe.”

Hotel Owner Tom Maxwell says Harvey’s and owner Katie Harvey will no longer operate their in-house dining options. Instead, Maxwell says they will have offerings that he believes will appeal more to on-the-go diners. “We’re modifying our menus to be able to do very good food, but be able to do a faster lunch. So all of our downtown business friends who maybe stopped coming because we couldn’t do it quick enough for you, we’re going to be able to do that now (and) we welcome you back. And we’re going to have, still, just an outstanding dinner offering. And then once we start seeing a lot of our occupancy coming back for our hotel, we’ll reopen our breakfast offerings, so we’ll have all three meals going in the near future. But we’re going to start with lunch and dinner initially.”

Maxwell also notes the restaurant will be run by his staff, not by Angie Peterson owner of Angie’s Teagarden in Jefferson in spite of what rumors around town had claimed. Peterson will help the Pattee Cafe on a part-time basis, which she says will mostly involve baking pies. To learn more about this and other Hotel Pattee topics, click the link below to listen to the Perry Fareway Let’s Talk Dallas County program with Maxwell.


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Sydney Specials: Rosehill – 5th December 2020

Doesn’t look to be any easy marks at Rosehill on Saturday with good competitive racing across the card.

The opener is a cracker, as mentioned last week; this is the time of the year you can (hopefully) catch a few progressive ones on the way through.

The problem in the first is how do you split them?

Kiku ran good figures when back on top of the ground last start and while Zoumist's time first up was poor, you had to be impressed by the way she did it.

Throw in the resuming Smart Image and first up winner Cultural Amnesia, suddenly we've got ourselves a race!

Trainer: GERALD RYAN looks to have a promising type in Ellsberg
Trainer: GERALD RYAN looks to have a promising type in Ellsberg Picture: Racing and Sports

I was very taken by Ellsberg's performance in the Spring Stakes last start and he looks well placed to break back into the winner's stall in the second event.

After not beginning the best he was hunted through from the inside draw, pressing on to take up the running.

He was pressured all the way, and while headed shortly after straightening, he stuck on right to the line and did a great job to finish third.

The other two on-pacers were beaten 12L and 14.5L, both hard in the market (Perfect Radiance & Real Peace).

He should be aided by the drop back in trip and looks well treated at the weights on Saturday.

The blinkers (near side) go on for the first time and Clark takes over from a middle draw.

Will need to begin better, but if he does, he should be able to control it comfortably in front (there doesn't look to be much speed).

Have him marked clear favourite ($2.50) and he should go be very hard to run down on his home track.

HULK winning the Evergreen Turf Australia-Bm78
HULK winning the Evergreen Turf Australia-Bm78 Picture: Racing and Sports

It took Hulk 13 starts to break through for his maiden win and he's now won three of his last nine.

He only went down narrowly two back at Rosehill, before toying with them at Kembla Grange last start (never thought I'd be writing that about Hulk).

Steps up in grade, but looks well treated at the weights and has drawn to get a lovely soft run from the inside draw.

McEvoy takes over and with even luck, he should prove hard to hold out.

Simon Dinopoulos' Three Tips:

Race 2 #8 Ellsberg @ $3.50

Race 7 #13 Hulk @ $5.00

Race 8 #11 Selica @ $6.50

Racing and Sports

Simon Dinopoulos

Senior Handicapper

Sydney-born Simon Dinopoulos joined Racing and Sports' as a form analyst in 2012.

Under the tutelage of Gary Crispe and Adam Blencowe, Simon has quickly established himself as a respected member of the R&S ratings team, with a key focus on NSW, Western Australia and Singapore.

As a journalist he contributes stories for the R&S website, while also priding himself on being a part of the data management sector. Simon has helped establish and maintain Racing And Sports’ global database – the most comprehensive privately owned racing database in the world.

Simon can be heard on Sky Sports Radio - Racings HQ (Friday/Saturday mornings) giving his selections for the weekend's racing.


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"It felt very safe" - Racegoers delighted to return to Ludlow on Wednesday

Wed 2 Dec 2020

Sounds of cheers echoed from the stands once again as spectators returned to Ludlow on Wednesday after six months of racing behind closed doors.

Aside from two pilot events, staged on the opening day of the St Leger meeting at Doncaster in September and a jumps fixture at Warwick later that month, only a limited number of essential personnel have been allowed on track since the sport’s resumption on June 1 following the Covid-19 lockdown.

With Ludlow placed in Tier 2 under the Government’s restrictions, allowing outdoor sporting venues to host 2,000 spectators or 50 per cent capacity – whichever is lowest – a crowd of around 600 was able to enjoy the seven-race card.

There was no roof-raising roar as Falberto claimed the opening Shropshire Mind Novices’ Claiming Hurdle, but the sight and sounds of hoofprints hitting the turf was music to the ears of racegoer Rhiannon Linington-Payne – who was attending her first meeting since New Year’s Day.

Great to be back - Racegoers returned to Ludlow on Wednesday
Great to be back - Racegoers returned to Ludlow on Wednesday

She said: “I felt very safe, which is obviously the most important thing. As just a general fan of the sport, it is just nice to be back.

“I don’t come to the races to get drunk or lose my money; I come because I appreciate the sport, and I’m sure I speak for a lot of people here who are glad to be back watching the horses again.

“I didn’t back the favourite in the first, so didn’t get that first winner, but it is just nice to be back on track – you can’t beat the atmosphere of being on a racecourse really.

“We normally go to the Cheltenham Festival. But we didn’t this year because we didn’t feel safe, but it is nice to be enjoying what we love safely.”

Tickets for the fixture were always going to be in high demand, and the 29-year-old was quick off the mark to secure hers.

She added: “I rang my dad up on the day they made the announcement to say ‘book us in, we are going, and I’ll take the day off work’.

“It’s really nice to be back on track, and I’m sure it gives people a much-needed lift with the year everyone has had. It has been a long old slog, but hopefully it will give everyone a bit of a boost before Christmas.”

Despite encountering a few teething problems getting in, and being restricted to limited amenities once inside, track regular Don Ward also enjoyed the experience of being back in the stands.

He said: “It’s very good to be back. It was a bit slow to get in, but apart from that it has been magnificent to be back. I’m 79 and I’ve been coming here all my life.

“I’ve missed the people – and being part of the crowd with everybody here is so friendly, because you get the same people at every meeting.”

Members of the Owners Group 034 ensured their share of atmospheric noise as the Paul Nicholls-trained Miranda landed the feature Shropshire Mind Mares’ Handicap Hurdle for them.

Syndicate spokesman Ryan Bliss said: “We have been lucky enough to have two or four owners on track for a while, but to be able to have good few owners here means so much to us.

“The more people we can get going racing, the better. We have been exceptionally lucky during lockdown that we have been able to have some owners go racing, but for more people to be able to see their horses is tremendous – and the atmosphere is so much better.”

Falberto landed the first race in front of racegoers at Ludlow on Wednesday

Leading rider Harry Skelton has partnered plenty of winners at the Shropshire track – and although out of luck on his sole ride, he was delighted to see a crowd back in the stands.

He said: “It’s brilliant to have the crowds back – they are great supporters of the game, and it is very important to have them on course.

“We were told in the autumn it was more likely to be six months before crowds returned – and when we were told that, none of us expected to see them back so early, so this is a step in the right direction.

“When you go out there to ride, you are in your own little bubble really. On a day-to-day basis you might not notice it as much. But on the smaller tracks, where some of the areas aren’t as big – like here – you definitely feel the atmosphere.”

Gold Cup and Grand National-winning trainer Kim Bailey has attended every meeting at the course since the resumption of racing, and he echoed the thoughts of Skelton.

He said: “It’s very important we have these spectators back, and the more it keeps going forward, the better, because it has been soulless without them.

“It is a very positive move, but I think the whole thing has been completely bizarre.

“I’ve been here every single meeting and I’ve not seen any people on those stands, so it makes a big difference.

“The other thing is confidence – people will get confidence to go racing and travel the countryside to start going again. It is just good news all round.”

As one of the first four tracks alongside Haydock, Lingfield and Kempton to welcome back crowds, there was no margin for error for clerk of the course Simon Sherwood – who hailed the event a success, despite the challenging circumstances.

He said: “We always said it was going to be a learning curve, because the protocols are that much more challenging from what it was before. We will improve after this meeting if we are allowed to do the same thing through December and expand.

“It is great to have members back and some atmosphere back, and that is the most crucial thing we have been lacking since racing started up again. This is just hopefully a tiny step in the right direction.

“I think people are just happy to have the day out. There has been the odd grumble with people in the queues to get in, and we can speed that up next time, but on the whole people are just happy to have a day out.

“I think on the whole the feedback has been pretty positive.”

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Welcome radios Bachman Turner Overdrive You can listen, download and save live on the Internet.
We scan in real time all the radios in the world (40.000) for you to discover those who program as your favorite artist and those that playing right now.

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Cologne to Darmstadt by train

Prices explained

Prices explained

At Rail Europe we believe in price transparency. We use real data from Rail Europe searches to estimate the cheapest fares you should be able to find for your journey.

The cheapest price is the lowest fare we've ever found for this journey. These prices can usually be found by searching when booking opens but they vary due to availability, which depends on factors like the day of the week or time of year.

More popular journeys include 30 day advance and 7 day advance prices. These are updated every two weeks using prices we've found by searching exactly 7 or 30 days from the most recent Thursday (we picked Thursday because this is when average prices are usually found).

30 day and 7 day prices fluctuate based on demand and availability at the time of search. For example, the 7-day price in summer is likely to be more expensive than the same journey in winter.

Prices are sourced in GBP and converted to other currencies using the daily market exchange rate.

We're always seeking to improve how price-checking works, and we welcome feedback on how we can make it better.

More advice about how to find the cheapest tickets can be found in our infographic.

  1. Cheapest Price $21.28
  2. 30 day advance $23.34
  3. 7 day advance $33.64
  • First train
  • Last train
  • Avg changes
  • Fastest journey
    1hr 31m
  • Distance
    167 kilometres
  • Trains per day
  • Avg. journey time
    2hr 33m
  • Train operators

Travelling from Cologne to Darmstadt by train

Fast trains from Cologne to Darmstadt take around 1 hour and 31 minutes, covering a distance of approximately 167 kilometres. There are frequent services on the rail route between Cologne and Darmstadt.

1. Are there direct trains from Cologne to Darmstadt?

Journeys between Cologne and Darmstadt usually involve one change of train.

We usually find around 20 departures on the route from Cologne to Darmstadt every weekday that leave enough time to change trains without waiting around for longer than necessary.

Trains are typically more frequent on weekends, when we found around 22 departures.

2. How long is the train journey from Cologne to Darmstadt?

The Cologne to Darmstadt train travel time is normally about 1 hour and 31 minutes, whatever time you make the journey.

3. What are the Cologne to Darmstadt train times and schedule?

On weekdays the earliest train to Darmstadt is usually scheduled to depart Cologne around 05:41 and the last train is around 21:53. At weekends the first train of the day leaves Cologne around 05:53, and the last at 21:53.

What's the Cologne to Darmstadt train price?

The earlier you book the better, and the cheapest tickets we've found for trains from Cologne to Darmstadt are $21.28.

Trains departing 30 days in advance will cost around $23 while booking 7 days in advance the price is around $33. Booking on the day of travel is likely to be more expensive, so it is worth booking in advance if you can to save money.

When to book Cologne to Darmstadt train tickets?

Trains in Germany usually open for booking around 6 months in advance. If booking is not yet open for your dates then you can set a booking alert to receive an email on the day that the cheapest tickets are released for your journey from Cologne to Darmstadt by train.

Help with booking alerts

Which train companies operate between Cologne and Darmstadt?

More than one train company operates on the route from Cologne to Darmstadt, so you’ll be travelling with one or more of the following rail operators:

  • Eurocity (EC)
  • Inter City Express
  • Intercity
  • Intercity-Express (ICE)
  • Nahreisezug
  • Regional-Express
  • Regionalbahn
  • S-Bahn
  • VIAS

You can check which train you’ll be travelling on by looking for the train name in search results.

Darmstadt to Cologne by train

Other journeys to Darmstadt Hbf View all journeys to Darmstadt Hbf

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Child and youth passengers

The definition of "Child" and "Youth" varies by country and operator. This is why we ask for the age of young passengers.

Sometimes children below a certain age can travel without a seat for free. If you want to guarantee a seat for child passengers, enter '6' as the age of the child.

Read more about child and youth passenger ages. See also youth discounts and railcards.