text:
We are aware that this Divine Guidance Oracle Card Reading is no longer working.

We have tried to repair this (and even tried to add it to our sister site instead), but there seems to be an issue with the code and how it communicates with WordPress. We have seen the same issue on other sites hosting these cards as well.  Since we do not own these readings or the code, and it does not seem to be working properly, we are not able to support these readings at this time. It is our hope that it will work in the future, so we are leaving up the page for now.

In the meantime, please enjoy our other Free Online Angel Card Readings as well as the Free Online Tarot Card Readings on our sister site.

Angel Blessings,

Rev. Sheri


Content-Type: application/http; msgtype=response

WARC-Identified-Payload-Type: text/html

WARC-Type: response

text:
Shop our collection of fishing rods to find the one that best matches your needs.

A Year-Round Guide to Catching Catfish on Lake Greenwood

  • by Jay

Lake Greenwood is on Fire: Catfishing on Lake Greenwood with Captain Chris Simpson

When I went fishing with Captain Chris Simpson for trophy blue catfish on Lake Monticello, we anchored down and waited patiently for the big bite. It was an exciting waiting game, because nothing and nobody can tell a giant blue catfish what to do – or when to do it. At times they will sit beside a piece of food that they take a fancy to for an hour and a half or more before eating it, and then the angler can be richly rewarded with a 40, 50, 60 or more pound fish.

On Tuesday, July 20 I saw another side of Chris’ guide business. I was able to sneak away from the office to fish for channel catfish on Lake Greenwood with Chris, and I thought I knew what to expect. Chris told me that we would be anchoring for channel catfish, not unlike we had for big blues on Monticello, and as he fan cast six rods out of the back of boat to start the day I figured we were in for a wait. Before the last bait had even hit the bottom a solid 4-5 pound channel catfish doubled over one of our rods, and as I wound down a second fish bent over another rod. After a few minutes’ fight Chris and I had both of our fish boated, and I looked at him and remarked that this wasn’t what I expected. Chris laughed and said that “channel catfishing on Lake Greenwood is a whole different ballgame,” and over the next four or five hours I realized what a fun game it was. Besides the numbers of fish we caught being excellent, as Chris points out channel catfish fight pound for pound as hard as any freshwater fish. While they are smaller than blue catfish, they pack twice the punch for the size. Saltwater fishermen, think spottail bass – but relying on power instead of side to side runs, like a fullback instead of a tailback. Although the fish we caught stopped just short of double digits, Lake Greenwood has confirmed 20 plus pound catfish swimming in it, and perhaps some approaching or surpassing 30. After enjoying some of the best fights of my fishing life with channel catfish under 10 pounds, I can’t wait to take another shot at a fish topping that mark.

Lake Greenwood

Lake Greenwood is located near the towns of Greenwood and Ninety Six, about an hour to the northwest of Columbia and around forty five minutes to the southeast of Greenville. The waters of the Saluda and Reedy Rivers come from the northwest and feed into Lake Greenwood, which was created between 1935 and 1940 with the construction of Buzzard’s Roost Dam. Lake Greenwood has 212 miles of shoreline and 11,400 surface acres of water, and today it is owned by Greenwood County. A relatively shallow lake, Lake Greenwood averages 18 feet deep and goes 60 feet down at its deepest point. The Greenwood County Lake Management Department controls permitting, camping, upkeep and maintenance on the lake, and the South Carolina Department of Natural Resources helps to manage the fishery resource.

Fishermen target Lake Greenwood’s healthy populations of largemouth bass, black and white crappie, bream and catfish, and specifically channel cats and flatheads. DNR also stocks striped bass in the lake, although not in the quantities which they put into Lake Murray, Clarks Hill and other major striper fisheries. White bass are also present in Greenwood, although they are increasingly being displaced by what Chris considers an out-of-control white perch population. The most significant forage fish on Lake Greenwood are threadfin and gizzard shad, and, although he has not caught any to date, Chris would not be surprised if blueback herring start showing up in significant numbers because of striper fishermen releasing them into the lake.

Blue Catfish

Lake Greenwood does have a very few blue catfish, and so all three major species of South Carolina catfish (blues, flatheads and channels) can theoretically be caught in the lake. However, the population of blue catfish is so tiny that they cannot realistically be targeted, even though Chris has caught a 29, 43 and 44 pound fish, and seen several other pictures of comparable sized fish. Like all of the blue catfish in Lake Greenwood, these were almost certainly transplanted fish released by fishermen, and DNR does not stock blue catfish in the lake. At this time Chris has not seen evidence of 1-3 pound blues in Lake Greenwood that would indicate the fish are reproducing, although with adequate numbers they theoretically could.

People often confuse male and large female channel catfish with blue catfish, and Chris has for years been getting reports from people that they have caught a “cooler full” of blues out Greenwood. Fishermen also commonly complain that they catch blue catfish out of Greenwood frequently, but never fish over 15 pounds. That is because they are actually male or large female channels, and particularly in the spring the two are hard to distinguish. Male channel cats are almost always bluish colored, and in the spring they will often turn very dark blue/ almost black around spawning time and be easily mistaken with blues. Mature female channel cats can sometimes also develop a bluish color, depending on water clarity and their diet, which is very similar to a blue cat. When Chris receives reports of blues being caught in Lake Greenwood, he makes a point of going and checking it out, and after analyzing the body shape, anal fin shape and counting the anal ray fins they always turn out to be channel cats – with a few white cats thrown in for the sake of confusion. One more note – male and female channels can usually be distinguished from each other by head shape, with the males having an oversized head proportionate to their bodies, and the females having a more aerodynamic head.

The second most popular species of catfish to target on Lake Greenwood is flathead catfish, and Chris has caught flatheads up to 40 pounds out of the lake. He knows of fish up to 62 pounds being caught (actually noodled), and he suspects that flatheads as large as 70 or more pounds are swimming around. The day I went out with Chris we did not target flatheads, and most fishing for them takes place at night.

The peak flathead fishing season runs from mid-summer until November or early December, and the most popular way to fish for them is by anchoring and fishing live bait near brushpiles. The best brushpiles are located adjacent to steep, near vertical drops along the edge of the river channel, and may be located in 5-15 feet of water beside a river channel that runs 30 feet deep. Live bream or perch are popular baits for flatheads, and a Carolina rig is a good way to present the bait. It is well known that flatheads bite better at night, when most specialists like to target them. Less commonly known is that daybreak is also an excellent time to target big flatheads.

Once cold weather arrives the flathead bite slows way down from December to May, because unlike blue and channel catfish, flathead feeding falls way off in the winter. Chris will pick up a few flatheads during the winter when he is anchoring cut bait in deep water for channel catfish, but he doesn’t actually target them again until spring.

Come April and May flathead fishing turns on again, and fish are generally caught on the same pattern as in the late summer and fall. Flatheads are feeding up in preparation for the spawn, and so this can be a very strong time to target them. Come late May and through June the fish are mainly thinking about spawning, and Chris spends very little time fishing for them again until the middle of July.

Channel Catfish

There is a healthy population of flatheads in Lake Greenwood, but without a doubt channel catfish are still king. A well known, prolific population of channel catfish brings in anglers from around the state, and, and, in addition to traditional hook and line anglers, particularly on the weekends jug fishermen also set out their lines for channel cats. (Lake Greenwood is among the only lakes in South Carolina which allows jug fishing.)

Seasonal Movements

A tackle store operator once told me that catfishing on Lake Greenwood is always excellent, and, while that may over-simplify the fishery, there is no season when Chris doesn’t do well for channel catfish on Lake Greenwood. When winter starts to thaw, and early spring arrives, channel cats start to move around and then follow the bait shallower. At this time of year fishing is very water temperature dependent, and once surface temperatures hit the mid-50s, if the bait moves shallow channels will usually follow them there. Once water temperatures hit 65 degrees, channels are almost certain to be feeding in shallow water on threadfin shad.

From March to May Chris spends most of his time drifting in 2-15 feet, and he will mostly be drifting flats on the upper end of the lake. However, he will fish the same pattern in some of the longer feeder creeks with flats on the lower end of the lake. For drifting in the spring, a variety of fresh cut fish is the most popular bait, but shrimp will also work. Overall, late February to April is one of the best periods of the year for catching big fish from 8-12 pounds, and throughout the early to middle spring numbers can also be good as fish emerge hungry from winter.

In mid to late May the spawn begins, and it will usually continue through June and into July. Just last week Chris says that he saw noodlers on Lake Greenwood grabbing catfish out of their spawning cavities. Spawning catfish are generally not considered fishable fish, although they will sometimes take a bait that passes just in front of them. Although not all channel cats will spawn at once, the spawn is often considered a more difficult time to catch large fish because so many of the bigger ones will be spawning. In May and June Chris generally continues to target non-spawning fish on shallow flats.

In mid-summer the winding down of the spawn and the development of a thermocline, below which there is no oxygen and fish can’t live, changes fishing again. Even though cooler water might be located in 30 or 40 feet, there’s no point looking there because of the lack of oxygen. Right now the thermocline is located in about 22 feet of water on the lower end, although on the upper end it may be shallower depending on the inflow and other factors.

Once the thermocline develops in mid-summer, Chris will spend a lot of time fishing in areas surrounded by deep water but where fish can hold in shallower water above the thermocline. Since catfish generally orient to the bottom, they won’t just suspend higher in the water column – like striped bass might in the summer – but actually look for depths shallower than the thermocline. A good example of summer feeding spots include humps or hills that rise out of deepwater and top out above the thermocline, or points adjacent to deep water where fish can hold in sufficiently shallow water. Channels can also be found loaded up in the backs of creeks, where they can hold as shallow as 2-4 feet of water. They are most likely to found very shallow at night, although they will also hold shallow in the daytime if sufficient bait is present.

In the fall, often around mid-September, the highly oxygenated surface water cools and gets heavier, meaning that the deep, deoxygenated water becomes relatively warmer and lighter, and so the lake “turns over.” The previously deep water absorbs oxygen from the surface and so oxygen is spread throughout the system, and fish can anywhere in the water column. If bait schools go deep, the catfish may follow them, and often in late fall there is a run of bait up the rivers and into the main creeks. Essentially the catfish are scattered all over and roaming, and so drifting is the most effective way to target them. In the fall Chris likes to fish the edges of river channels, flats near the channels, and in the main creeks. Both cut bait and shrimp are effective.

By December there is usually a concentration of bait schools in the Saluda and Reedy River channels, and catfish will be holding near them in deep water. The bait and catfish will stay there until February or early March. A good winter range to look for channels is 12-30 feet, although Chris sometimes catches them as deep as 35-40 feet. Both drifting and anchoring will work. For drift fishing Chris likes to drift in and out of the river channel, and he mixes it up between drifting parallel to and across the channel. Particularly if you want to target big, 10 plus pound channels, anchor down with cut bait besides points and humps, but make sure that anywhere you fish is within casting distance of the main channels.

I plan to discuss Chris’ drifting technique in an upcoming article on fall drift fishing. For more information about general drifting techniques, check out the article I wrote with Captain Rodger Taylor on Lake Wateree or Captain Jim Glenn on Santee Cooper.

There’s no point in drifting an unproductive area, but, because you are covering more water, drifting can be more forgiving if you don’t pick the best starting point. In contrast, if you set down the anchor in a poor location, your only chance of catching fish is if they move to you. For this reason Chris spends a substantial amount of time reading his graph, looking for both catfish and bait, before deciding to put out the anchors and fish a location. The only time the graph is not especially important is in very shallow water, and on a shallow flat much below 10 feet it won’t show much because the cone is too narrow.

Once Chris finds the right spot he double anchors with a bow anchor and a stern anchor. The goal is to keep the boat as steady as possible; if the boat moves around then the lines out one side of the boat will be pulled tight, which is okay, but the lines on the other side of the boat will become slack – and bites on that side will be harder to detect. Even with double anchors, wind above a slight breeze makes it much more difficult to fish anchored rods.

For rigs Chris uses the same anchor rigs that he uses on Lake Monticello, with a 25 pound test main line attached to a Carolina rig with a big egg sinker, a swivel and 12-18 inches of 50 pound leader line above an 8/0 Gamakatsu circle hook. Channel cats have large mouths, and the big hook does not hurt the hook-up ratio. Most of the year cut bait is Chris’ go-to bait for Lake Greenwood channel cats, and in the summer cut bait is also very effective – especially if you are after big fish. However, in the summer the garfish are a huge hassle when you are fishing cut bait, and they will tangle your rods, cut your rigs and generally waste time. Interestingly, the rest of the year they don’t bother Chris. Shrimp are also a good bait choice, and I was surprised to learn that shrimp aren’t a totally foreign food to the catfish. While they don’t naturally eat big, saltwater shrimp, grass shrimp are a natural channel cat food in Lake Greenwood.

The day Chris and I were fishing we only used the bait that is his summer specialty, and Chris joked that we “were getting back to his roots.” In the summer Chris says that the scent of stinkbait disperses well throughout the water, and absolutely drives the channel cats crazy. (On other lakes stinkbait is also effective for small blue cats.) The best part is the gar won’t touch it. It is also worth noting that stinkbait cannot be effectively used to drift fish, because it comes off the hook too easily.

If you sniff the stuff Chris uses, it’s no mystery where the name stinkbait comes from. His bait is actually a mix of various commercial stinkbaits, and he says two of the best are Sunny’s and Team Catfish Secret 7. A variety of stinkbaits are available at Sportsmen’s Friend in Greenwood. Essentially, all of the stinkbaits are rotten-cheese based, which smells terrible to humans but really appeals to channel cats. Chris uses a spoon to apply the stinkbait to a one inch cube of foam, which he cuts off of a noodle swimming float. The stinkbait stays on the piece of foam remarkably well for up to 20-30 minutes, but if you miss a bite or wind in the bait it will almost always come off.

Putting it all together, the day I went out with Chris we started out fishing on a hill on the back side of an island, fan casting our rods into 10-18 feet of water. The channels came in waves, and after catching several fish there we went halfway up a creek and picked up a couple more fish. The action wasn’t as fast Chris would have liked at either spot, and so we looked around at a third spot for about 20 minutes before Chris decided based on the graph that it wasn’t worth fishing. Finally, we made our way a little ways up the lake and fished a deep point with a dropoff on each side. Action was fast with lots of hook-ups and even more pull-downs, and we stayed on that third/ fourth spot for a couple of hours, and left it with the fish still biting.

On the Tuesday that we fished Chris had not fished Greenwood for channel cats the previous day, but he had been out Sunday and almost every day the previous week. He had been catching 19 or 20 fish each day, and the majority of the fish were 12-18 feet deep. We caught five or six fish in that depth range in the first half of the morning, but it wasn’t until Chris adjusted and figured out that the fish were holding 19-22 feet deep near open water points that the bite really came alive, and we were able to get to that magic number of 20 fish. It would have been difficult for a weekend angler to have the fish patterned well enough to quickly find a steady bite and then make the subtle adjustments necessary to wear them out, but since I had the luxury of being out with a guide who knew the right moves to make I had a fantastic day.

As discussed above there is a lot of pressure on Lake Greenwood’s channel catfish, and jug fishermen (who are legally allowed up to 50 jugs per person) join hook and line anglers to catch a lot of fish. With no limits on catfish on any South Carolina lake besides Santee Cooper, jug and hook and line fishermen can and do take a lot of channel catfish out of Greenwood. Also, while the majority of jug fishermen are probably conscientious, Chris is concerned by how many jugs seem to be left out for 4, 5 and 6 days. The channel catfish which don’t wriggle free from forgotten or lost jogs generally die and get eaten by turtles. Chris would like to see limits of some type put on Lake Greenwood’s channel catfish, and he would also like to see jug fishing regulated more carefully so as to lower mortality. It is a real concern that less 10 pound range fish are caught today than a few years ago. Hopefully in the years to come anglers can put sufficient pressure on the Legislature to convince them to enact some meaningful laws to protect this fishery.

My trip with Captain Chris Simpson confirmed that the Lake Greenwood channel catfish population is one of the premier fisheries in South Carolina, and that it is certainly worth protecting. For anyone looking for fast action with one of the toughest fighting fish in freshwater, I strongly recommend that you get in the boat with Chris while the weather and fishing are hot. You’ll have a ball getting your rod bent by some strong, aggressive fish, and at the end of the day you’ll have a delicious meal ready for the frying pan!

Captain Chris Simpson guides for catfish on Lakes Greenwood, Murray and Monticello. Visit his websites, and, for more information. To contact him private message “chrisblue” on here, email to, or call 864-992-2352.

warcinfo:
isPartOf: CC-MAIN-2020-24
publisher: Common Crawl
description: Wide crawl of the web for May/June 2020
operator: Common Crawl Admin (info@commoncrawl.org)
hostname: ip-10-67-67-88.ec2.internal
software: Apache Nutch 1.16 (modified, https://github.com/commoncrawl/nutch/)
robots: checked via crawler-commons 1.1-SNAPSHOT (https://github.com/crawler-commons/crawler-commons)
format: WARC File Format 1.1
conformsTo: http://iipc.github.io/warc-specifications/specifications/warc-format/warc-1.1/


WARC-Identified-Payload-Type: application/xhtml+xml

text:
June 03, 2012

“Fresh” Bouquet (and writing utensils!)

Flower Pens - AnnaVirginia Fashion
I love bright flowers, but I don’t love the bugs that hang out in the flowers and I don’t like that fresh flowers wilt and make their water smell funny!
I also always need to find a pen, but since I’ve got two toddlers, I can’t really leave pens and pencils laying around.
So, to make myself happy and do something helpful, I made a bouquet of Pen Flowers for various places in my house to help me have some fresh looking flower (Silk flowers are making a comeback!), and yet have a handy pen around.
Here’s what they look like!
Flower Pens - AnnaVirginia FashionFlower Pens - AnnaVirginia Fashion
The first bouquet has big pink peonies and white roses, and they sit on the shelf in the living room.  The second picture shows pens that I made using the boutonnière/corsage from my brother’s wedding, and I have one on each nightstand in my bedroom.
Here’s how to make these simple, cute pen flowers!
1. You’ll need flowers, pens, floral tape, beans and a vase
Flower Pens - AnnaVirginia Fashion
2. Get rid of the pen caps.  I used them for a little while, but the lids pull out beans when you take them out of the vase.
Flower Pens - AnnaVirginia Fashion
3.  Cut the flower stem a few inches in length.  Wrap the floral tape around the pen and stem.
 Flower Pens - AnnaVirginia Fashion
4.  Using your fingers to press firmly on the floral tape, continue wrapping the tape down the length of the pen.  I usually go over the edge of the flower stem a few times to make sure that the wire doesn’t poke through.
 Flower Pens - AnnaVirginia Fashion
5.  About an inch from the end of the pen, turn the floral tape direction to head back up the pen.
Flower Pens - AnnaVirginia Fashion
6.  Cover the top of the pen and pull the flower in tight.  Take the tape back down the pen for about and inch and tear it off.  Use your fingers to press the edge into the previous layer of tape.
Flower Pens - AnnaVirginia Fashion
Flower Pens - AnnaVirginia Fashion
7.  Repeat the steps for as many flowers as you’d like.
Flower Pens - AnnaVirginia Fashion
8.  Add beans to the vase, and arrange flowers in a decorative bouquet. (I also did three daisies while you weren't looking!)
Flower Pens - AnnaVirginia FashionAll done!  These flowers will sit in the kitchen!

No comments:

Post a Comment

Related Posts Plugin for WordPress, Blogger...


text:
Anorak News | Chester University Students Dress As Burning Twin Towers For Halloween

Chester University Students Dress As Burning Twin Towers For Halloween

by | 6th, November 2013

twin towers halloween
AMBER Langford and  Annie Collinge dressed as the burning Twin Towers for a Halloween costume contest in Chester.

They won the £150 star prize at Rosies nightclub.

Amber’s dad, Martin Langford, used to be a pilot. He says:  “She knows I’m a pilot and that’s not cool at all. We will be having a little chat, I think.”

The 18-year-olds have apologised.

The Sun focuses on Amber and Annie, students at the University of Chester.

Annie is vice chariman of the People and Planet society:

Are you concerned about the environment, human rights, poverty or animal welfare? Do you want to make a positive difference to the world you’re living in? Then the University of Chester People and Planet society is the place for you, so get involved!

The Sun finds relatives of those murdered on 9/11 to says how upset they are.

Relatives of the 67 Brits who were among almost 3,000 people killed in the attack last night slammed the pair — and club workers who rewarded them.

If the aim was to shock, the young women succeeded. But they were at a private venue which encouraged adventurous costumes.

As for the Sun, wasn’t it the paper which celebrated the deaths of  321 members of the Belgrano’s crew in the Falkland’s War with the headline “GOTCHA”? You could see that headline in every good and bad newsagents.

sun sick

Other bad taste tributes to 9/11 are here.

Posted: 6th, November 2013 | In: Reviews Comment | TrackBack | Permalink


text:
Most common risks involved in buying a low quality CPAP machine

Most common risks involved in buying a low quality CPAP machine

In Australia, people can easily get or find the most appropriate cpap machines Brisbane, cpap machines sydney, cpap Adelaide or any kind of cpap machines Australia that anyone may need to buy. These are available through online sellers that offer all the accessories and the attachments so that the patients may not have to explore and find the related products from anywhere else.

There are many ways people can get resmed Australia, resmed airsense 10, cpap masks Australia and travel cpap depending upon the kind of CPAP machine you need for your assistance.

Though people may get resmed machine or cpap Victoria form online sellers but not all of the online sellers may help you get the desired machines that may help you solve your obstructive sleep apnea symptoms.

In case if you need to buy a CPAP machine and you are not sure about where to buy then it is possible to get a faulty or a low quality CPAP machine that does not comply with the health standards in any way that should be. The most common risk factors in that case would be as follows:

  • The machine may not work properly and will not be giving the required results. In this ways you may never get the results and health benefits and will surely develop more issues later on. In order to avoid the issues that may come later after using the wrong product, you may have to choose the machine carefully that is of higher quality and work properly no matter for how long you have to use it.
  • Another risk factor that may haunt the users is that the machine may stop working in the middle that may cause serious issues. This may results into painful and more disturbing experience.

So, in order to avoid such issues you may need to avoid low quality CPAP machines that may be available everywhere.

© Copyright 2020


WARC-Identified-Payload-Type: text/calendar

text: BEGIN:VCALENDAR VERSION:2.0 CALSCALE:GREGORIAN METHOD:REQUEST BEGIN:VEVENT UID:5ecba16e11b4f DTSTART:20200916T140000Z DTEND:20200916T153000Z DTSTAMP:20200916T140000Z ORGANIZER;CN=APECS Events CREATED:20200525T104358Z DESCRIPTION:A webinar presented byTatiana Bachkirova.Coaching as an industry appears to be developing much faster than coaching as a discipline. One consequence of this discrepancy is a surge of what I refer to as "popularism" in the current practice and discourses of coaching - a flood of 'beautiful' Ideas and popular concepts that are overemphasized and overused to the extent of becoming clichés devoid of substantive meaning.In this webinar we will discuss the shadow sides of the three ‘beautiful’ ideas and consider some ways of mitigating unwanted influences.Please note: This session will be recorded. LAST-MODIFIED:20200916T140000Z LOCATION:Webinar SUMMARY:Beautiful ideas that can make us ill and how to prevent it SEQUENCE:0 TRANSP:OPAQUE END:VEVENT END:VCALENDAR


text: Apeejay School, Pitampura has been appointed as the lead school in this area by the Ministry of Environment. The main aim is to sensitise students towards eco awareness, maintenance of greenery around the school by various plantation drive programmes, making best out of waste, etc. The Environment Club is actively involved in promoting ecological issues such as judicial use of paper and planting trees.


text:
This is Doris' story

Apex clients have received more than $24 million in claim payments from insurance companies in the last year. Doris was one of these clients that had the right insurance in place at the right time.

In 2015, Doris met with her adviser Will Leang to update her insurance. At the time, Will recommended she take out Progressive Care. Progressive Care is a new Severity based type trauma insurance by Sovereign, which can pay out more than once and for a wider range of illnesses. Benefit payments are linked to the severity of your medical condition – the more serious it is, the larger the pay-out. Doris was in her 50s and very healthy, but she understood the impact a critical illness could have on her and her family.

Less than two years later, Doris found herself claiming on her Progressive Care cover. She had been coughing for several months and after a visit to the doctor and some tests, she was diagnosed with lung cancer. Doris had to have surgery to remove the tumour in her lung and go through chemotherapy afterwards. Her treatment meant that she was unwell most days so she had to leave her full-time employment.

After her surgery, Doris’ husband Steven lodged a claim with Sovereign. Bills kept coming in and with Doris being unable to work, Steven and Doris were counting on the money from their insurance to cover their expenses. Before the claim could be paid, some information needed to be checked by Sovereign – which meant delays in getting their claim paid. While recovering, Doris found herself dealing with phone calls from the insurance company to keep her claim moving forward. But she was finding this very stressful.

At this point, Steven and Doris got in touch with Will, their financial adviser. From then on, Will took over the claim. It saved Doris having to deal with professionals at Sovereign who due to the nature of their role were using medical jargon that was not familiar to her. Will liaised with Sovereign to resolve the issues and got the claim paid in no-time. “Having a lung operation was a major on its own, I was not in the best place to deal with the insurance claim”, says Doris. “Having Will take over was a big relief”.

It took some time for Doris to feel better. A few months ago, she was having more energy and was thinking about going back to work part-time or even volunteering.

After a recent routine check two more tumours were discovered in Doris’ lungs. It was a major shock for her. “I was not prepared for this news, I was feeling so much better”, says Doris. After this second diagnosis, the first thing they did was to contact Will. Thankfully for them, their Progressive Care policy allows for multiple claims based on the severity of the illness.

Doris will now go on a trial drug programme at Auckland Hospital. “The oncology service at the hospital has been great, they have been very efficient. The positive thing is that now I know to let Will deal with the claim side of things, so I can focus on my treatment”.

This is a real moment of truth for us at Apex. This is when our work really counts, when we can help provide financial relief at a stressful time for our clients. By managing our clients’ claims, we can say hand-on-heart that we’re on their side at every step of the way, always with gloves on and standing in their corner.

This product has been added to your cart


text:
Data is the new paradigm in customer relationships. In fact, companies access and use customer data in more ways than ever before. Targeting customers with online ads. Measuring satisfaction and loyalty. Predicting what customers are most likely to buy next. At the same time, consumers have become more aware of how their information is being used. Data privacy debates continue to dominate the public discourse as governments worldwide roll out new regulations aimed at protecting the data sovereignty of their citizens.

Central to the debate is one core theme: Trust. The latest research suggests that consumers are willing to share more personal data with companies—as long as their information is safe from outside threats and used properly, meaning it’s not shared with or sold to third parties.

A recent Harvard Business Review article looked at how companies currently use customer data, taking a forward-looking view at how companies can use data to actually help customers—while ultimately benefiting the business too. For example, an insurance company that typically uses product-centric algorithms to calculate coverage and premium amounts could use customer data analytics to better understand driving behaviors aimed at improving safety and reducing accidents. “This is the essence of customer-centricity: using data to help people better achieve their own goals, rather than just using it to price or segment or target customers,” according to the article.

Predictive analytics is another way companies can put consumer insights to better use by understanding a customer’s intent, sentiment, and emotion to provide a better experience—in the moment. The HBR article stresses that understanding only what a consumer is “likely” to buy based on behaviors like website activity fails to capitalize on the personalization benefits deeper data analytics can deliver. According to the HBR article, “Companies that leverage data for the consumer’s benefit have a real opportunity to differentiate by targeting not just what we will click, but what is compelling on a deeper level; not just what we are likely to buy, but what is likely to spark joy.”

To help you get there, the article offers up three tips to get started on creating a new level of customer-centric relationships by cultivating customer trust. Take a look:

  1. Use the data you already have to benefit the customer. The article’s authors suggest going back to data you already have—data you may or may not even be using—looking for opportunities to delight your customers, rather than trying to improve offer conversions.
  2. Think about the customer across the whole lifecycle. Move beyond a transactional focus when examining ways to use customer data to their benefit. By looking at the entire customer experience—pre-sales and post-sales—companies can unlock more opportunities to deliver customer value along the full customer lifecycle.
  3. Prepare to refocus your operations. According to the article, as companies become more data-centric, their operations will need to shift from focusing on standard business processes to delivering more tailored experiences for customers. “Data will help with this—giving more real-time and rich insight into each customer that will enable employees to tailor their activities on the fly and deliver greater value,” according to the article.

How’s your company managing digital trust?

If you want to learn more, check out this recent APEX of Innovation post, which includes three questions executives can ask to gauge digital trust at their companies.

Please enter your comment!
Please enter your name here


text:
Audio Manager (Hide it Pro)

Audio Manager (Hide it Pro)

July 13, 2019
10.8 MB
Apps, Tools
Get it on Google Play
4.1 and up

Audio Manager (Hide it Pro) Review:

Audio Manager, commonly known as Hide it Pro, is the best Android application that allows you to hide videos, audios, photos and other desirable apps on the go. In this way, you are now fully allowed to hide any application on your Android phone or tablet. The hiding function of this application is very active and smart. The basic overview that you will see after installing will be like an audio manager (According to its official name).

Audio Manager APK Features:

Here are some fantastic features of the Audio Manager app that will surely insist you to grab it from here as early as possible.

  • It comes out in the market with dual functionality. The front end will tell you about the Audio Settings of your phone. But the back end will hide your photos, videos, and other applications.
  • You can hide your photos and videos instantly with a single button. Don’t need to root your phone for these two features.
  • Various bugs fixed as compare to Audio Manager (Hide it Pro) old version.
  • If you want to protect your applications, then request for root permission. For this, you can use root application like Root Master that is available on this platform.
  • It is a small sized application that every Android smartphone user can install in his/her phone without worrying about the space.
  • It will work properly on the Android devices that are greater than 4.1 Android version.
  • And much more features.

How to use Audio Manager (Hide it Pro)?

  1. After opening the Audio Manager APK, a sound management application will be in front of our eyes. If you drag your finger on the logo of this APK, you will see the real working features of this application. In this way, the Hide it Pro APK will come in front of your eyes. So, you can say, its front end functionality is different as compared to the back end functionalities.
  2. After opening the Hide it Pro, you need to enter a password. It will be for essential security checks. After entering the password, you are allowed to use all its features like pictures and video hiding and others. But to hide your application, you need to root your smartphone. But all other features will be in your hand without rooting. Therefore, it is one of the most critical applications that is the need of every mobile owner if he or she has a nosy family with prying eyes.

To get this application for free, you need to download Audio Manager (Hide it Pro) APK file from our website ( On the other hand, there are hundreds of other quality Android applications that you can download and install for free from here.


text:
(1,678,579 ratings)
Version 5.9:
• Now you can move the OneDrive app onto an SD card so you can have even more space for your files and offline content. Go to the app settings on your Android device to move the OneDrive app to your SD Card.
• We've made some under the hood improvements to our Photos view to make it faster than ever to get back to all of your memories.
Do more wherever you go with Microsoft OneDrive. Get to and share your documents, photos, and other files from your Android device, computer (PC or Mac), and any other devices you use. Use the Office mobile apps to stay productive and work together, no matter where you are. The OneDrive app for Android lets you easily work with your personal and work files when you’re on the go.

• Quickly open and save OneDrive files in Office apps like Word, Excel, PowerPoint, and OneNote.
• Easily find photos thanks to automatic tagging.
• Get notifications when a shared document is edited.
• Share albums of your favorite photos and videos.
• Access your most important files offline.

For you to sign in to OneDrive for Business, your organization needs to have a qualifying SharePoint Online or Office 365 business subscription plan. You cannot sign in with an account from an on-premises directory. Camera upload, search, sort, and the ability to add OneDrive for Business accounts are available only on devices running Android 4.0 or later.

This app is provided by Microsoft. Data provided through the use of this store and this app may be accessible to Microsoft and transferred to, stored, and processed in the United States or any other country where Microsoft or its affiliates maintain facilities.
See available APKs
There's a more recent version available below!

This release may come in several variants. Consult our handy FAQ to see which download is right for you.

2025090510 APK
May 1, 2018
Android 5.0+
All Releases