text:
Scottish teachers will be challenged by councils if pupils’ grades are deemed unusual

Nicola Sturgeon said there would be a ‘quality assurance process’ in place across the country to check the provisional grades put forward by teachers

Scottish teachers whose end-of-year grades for pupils are deemed out of the ordinary will be challenged by council officials, Nicola Sturgeon has confirmed.

The First Minister said there would be a “quality assurance process” in place across the country to check the provisional grades put forward by teachers.

She said this would consider whether the results they have compiled are “significantly out of step” with a school’s past performance, alerting the teachers responsible if they are.

Ms Sturgeon stressed that it would be then be left up to teachers to decide whether to change their pupils’ provisional grades before submitting them to the SQA.

The system was set up to ensure that pupils are still awarded end-of-year grades after Highers, National 5s and other exams were cancelled for a second straight year due to Covid.

However, Holyrood’s opposition parties said there was still a risk that children from poorer backgrounds would be downgraded due to their school’s past performance.

Last year a controversial moderation scheme used by the SQA initially resulted in 75,000 pupils being downgraded, sparking uproar and leading to a ministerial U-turn.

Asked about the new system during First Minister’s Questions, Ms Sturgeon insisted there would be “no past results or algorithms that dictate what a learner’s grade will be”.

She added that after any anomalous results are discussed with teachers, they could choose to “stand by the result they gave” in the first place.

“The provisional grades are then submitted to the SQA and they will not be changed because of a school’s past performance,” she told MSPs.

“That is a world away from the situation last year where algorithms and the past performance of schools automatically changed the performance and the grades of some pupils.”

But Scottish Conservative leader Douglas Ross said the only difference with last year was that “instead of the SQA marking pupils down at the end of the process, the system will force teachers and schools to do it first”.

He read out excerpts from reports published by councils, confirming that “historical data” – or the past performance of pupils – would be used to check provisional grades.

“It’s sheer nonsense to claim grades will be analysed against historic data but that information somehow won’t be used to downgrade pupils,” he added later.

“This is the same shambles as last year – it’s just more sleekit. The harsh reality of this system is, if you’re lucky enough to attend a consistently high achieving school, your grades probably won’t be reviewed.

“But if you attend your local school where people work hard but not everyone gets 5 As, then your grades are more likely to be lowered.”


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Bitcoin SV (BSV) Price Prediction for| StormGain

From bitcoin

Add: opoqa13 - Date: 2021-06-15 10:21:37 - Views: 7552 - Clicks: 5356

Bitcoin SV purely wants to increase blocksize, but there are a lot of software and bandwidth bottlenecks that come in the way of block propagation past 24 MB, which is why Bitcoin Cash hasn't bothered raising the. The future shines brightly with unrestricted growth, global adoption, permissionless innovation, and decentralized development. The site offers details on the current hash rates, proof of work, profitability. BITCOIN SV IS BACKED BY REPUTATION. There were those who supported this change and switched to the new coin called Bitcoin Cash (BCH), and there were those who decided to stay with the original rules and keep using the original Bitcoin. The developers continue to rely on the idea embodied in the Bitcoin Cash (BCH), promising to keep low transaction fees, high security and scalability, as well as benefits for miners and institutional investors. Elias onze badges. Bitcoin SV is considered a “contentious” hard fork which may result in a chain split with two competing networks. Im Jahr, und sogar Anfang, erlebte der Coin. 9. Huobi Global also acknowledged that it will retain BCH ABC, the longer chain, for the designation of BCH, while it will designate the SV version of BCH as BSV. Aktuell CoinMarketCap-rankning är 10, med ett marknadsvärde på kr 157,429,753,530 SEK. The most significant technical difference between BCH and BSV is that the SV variant has a 128MB block size, in contrast to the current 32MB BCH block size. Everyone who held Bitcoin Cash (BCH) before Novem, can get an equal amount of BSV after the hard fork update. Exchange Bitcoin SV (BSV) to Bitcoin (BTC) The list below shows exchangers where you can exchange Bitcoin SV (BSV) to Bitcoin (BTC). If you have held bitcoins on addresses generated by your seed before the block 478559, you automatically got BCH in 1:1 ratio to bitcoin balance on the said address (E. At this point, BSV may be worth less than it’s nemesis but some of the top minds are already claiming this to be the future of crypto. Alternatively, if the faucet is not working you can get someone to send you a very small amount of Bitcoin SV and you can accomplish the same thing yourself by sending all the coins in your wallet. How to get bitcoin sv from bch

The problem that splitting coins solves, is to make it so you can spend the coins on the Bitcoin SV network without the same transaction also spending the coins on the Bitcoin Cash ABC network. At this point, BSV may be worth less than it’s nemesis but some of the top minds are already claiming this to be the future of crypto. Many merchants offer discounts for paying in Bitcoin Cash, because it eliminates credit card fees and helps grow the adoption of this new payment system. Many merchants offer discounts for paying in Bitcoin Cash, because it eliminates credit card fees and helps grow the adoption of this new payment system. It also keeps a record of all your BCH transactions. Good luck and stay safe! Bitcoin Cash and Bitcoin SV were last relevant in the space when both the hardfork assets underwent their 1st-ever halving in the first week of April. You're going to buy some BTC or ETH from an exchange that accepts deposits from a debit card or bank account, and then you're going to transfer your newly bought crypto to a marketplace that sells BCHSV in exchange for bitcoin or Ether. Bitcoin SV (BSV), a właściwie Bitcoin Satoshi Vision powstał w wyniku hard forku Bitcoina Cash (BCH) 15 listopada roku, więc jest bardzo młodą kryptowalutą. . Now, Bitcoin Cash (BCH) has been removed from several large exchanges and has been replaced by two separate trading pairs — Bitcoin ABC and Bitcoin SV. To create a wallet, you need to click an “Add Wallet” button in Guarda and choose an importing option. Oddzielenie się BSV było wynikiem niezgodności społeczności dotyczących przyszłości i dalszego rozwoju kryptowaluty Bitcoin Cash. Language. The master private key of your BCH wallet (These steps are for Edge however. Claiming Bitcoin Cash. 29. Follow the links and sources to become informed and enlightened. · Claim Bitcoin SV (BSV) in Blockchain wallet Anyone that held 1 BCH *before* the fork will have 2 tokens after the fork – 1 BCH (ABC) and 1 BSV, aka Bitcoin SV. How to get bitcoin sv from bch

23 with a 24-hour trading volume of ,482,621,261. M. 213189 Bitcoin SV: 3 Bitcoin Cash = 7. BTC. The Bitcoin Cash network will be undergoing another hard fork on November 15, 12:00 UTC. Over the. · Sometimes we get clarity like back in May, sometimes we do not. You can see the servers grouped by fork under Overview. A Bitcoin wallet will keep a record of the balance held in your Bitcoin address. 25 BCH after the fork. Preferably the chain should be at least 6 blocks ahead. Bitcoin Cash with Electrum. Currently, this is ABC. End Coins From Kraken Claim Bch Electrum Debezorgduif Bitcoin Cash Bch NovemberProtocol Upgrade Notice To Bitcoin Cash Hard Fork Update Who S Winning Bch Abc Or Bch Sv Bitcoin Sv Bsv Delisted By Binance Bitcoin. Bitcoin SV (BSV) is a proposed fork of Bitcoin Cash scheduled to also occur on Novem at approximately 8:40am PT (4:40pm UTC) via the Bitcoin SV full node implementation. BCH has an added advantage over Bitcoin as BCH has faster transfer times as you don’t have to wait the 10. 065943 Bitcoin SV: 20 Bitcoin Cash = 52. 20M. How to get bitcoin sv from bch

Cirkulerande tillgång är 18,724,100 BCH coins och Maximal tillgång är 21,000,000 BCH största börserna. 30 – meaning it would cost 51 BSV to get your hands on a single Bitcoin. 131887 Bitcoin. According to data from on-chain analytics firm IntoTheBlock, more holders of bitcoin (BTC), ethereum (ETH), bitcoin cash (BCH), bitcoin SV (BSV), and litecoin (LTC) are now sitting on. Hintergrund sind kontroverse Protokoll-Änderungen, die in die Node Software von Bitcoin Core Implementiert wurden. BTC and the lowest has been recorded at 0. There are 21 million Bitcoins in the. . Bitcoin SV (BSV) is a cryptocurrency which was created after another cryptocurrency named Bitcoin Cash (BCH) experienced a hard fork. You can also buy Bitcoin SV with Tether, USDK, QCash and 2 more stablecoins. 87 SEK. Bitcoin SV – czym jest kryptowaluta? · What is Bitcoin SV’s price in relation to Bitcoin? Why split your coins? On another note, BSV, which was created as a result of a hard fork on Novem, is expected to undergo its own halving tomorrow, on April 10. 606594 Bitcoin SV: 2 Bitcoin Cash = 5. Nevertheless, it is still impossible to buy or sell BSV on Coinbase platforms. 25. How to get bitcoin sv from bch

8. So. . See also: Bitcoin (BTC) (basic) - Fork, Soft fork, Hard fork.  · Bitcoin SV was created to stay true to the original vision for bitcoin. Bitcoin Cash (BCH) and Bitcoin SV (BSV) replay deposits As of June 5th,, BSV has been delisted. It effectively works as an airdrop. Bitcoin SV is a project led by Craig Wright’s team with the main idea to increase the block size from 32 to 128 Mb to scalable. 819783 Bitcoin SV: 5 Bitcoin Cash = 13. Bitcoin Cash offers various levels of privacy depending on how it is used. Below we’ll walk you through how to claim Bitcoin Cash SV (BSV) safely. G. The SV team developed a roadmap primarily focused on delivering capacity increase. Asked Aug 4 '17 at 11:30. 01. We have two bitcoins: Legacy bitcoin (BTC) and bitcoin cash (BCH or BCC). 026066 Bitcoin SV: 0. Bitcoin Cash (BCH) and the Bitcoin (BTC) The reality is that the Bitcoin Cash trend is not at all similar to the one dictated by Bitcoin in the past. How to get bitcoin sv from bch

· It means that if you held Bitcoin Cash on November 15, you became the lucky owner of Bitcoin SV and Bitcoin ABC. The 1st of August, 2:14 p. Merchants and users are empowered with low fees and reliable confirmations. Improve this question. English Deutsch Español Français Italiano język polski Limba. It has a setup similar to what the Satoshi Nakamoto entity wanted to get out of the original Bitcoin version. The Bitcoin ecosystem revolves around certain pre-defined rules. To select an exchanger, you may want to check its reserves and reviews. How to get bitcoin sv from bch

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Influicity Launches Related Influencers, a First-to-Market Innovation

The popular influencer platform has added Related Influencers to empower marketers with even more discovery tools

Influicity has added to its platform by introducing Related Influencers to the suite of tools. This feature equips marketers with the ability to view one influencer in the Hub, then scroll down for others who share similar audience profiles. This feature builds on the company's extensive discovery tools, which already include multiple search methods. It also comes just a few months after the company rolled out Magic Search.

Influicity has engineered its product roadmap to address key requests coming from the advertiser community. One of the most prominent requests has always been discovery -- marketers want new, better ways to find influencers.

This is one more step in knocking down those walls.

Jonathan Davids, CEO, Influicity

"We are constantly hearing the pain around finding new influencers," says Influicity Founder & CEO Jonathan Davids. "Big brands are working continuously with the same people because they just don't have access to the true market supply. This is one more step in knocking down those walls."

Brand marketers are continually jumping hurdles with influencer selection, pricing, payments, audience targeting, workflow management, and reporting. Influicity offers a streamlined platform to manage relationships with influencers, make informed placement decisions, and run effective campaigns at social scale. The company currently serves large retailers, media buyers, and publishers, who are building their influencer businesses on top of the platform.

The company has been adding new clients at a consistent pace, since the launch of its "free" version in August 2016. Agencies and marketers can create an account and quickly begin using the platform to run their influencer programs. With a paid account, clients can access search, campaign management, and other advanced features.

Source: Influicity


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Waterfront (Version)

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INFRACom! Frankfurt Am Main, Germany

The label INFRACom! was founded in 1992. In the last two decades INFRACom! has released over 160 productions.
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Comfort-in™ Reset Lever

The Comfort-in™ Reset Lever is used to reset the Comfort-in™ needle-free injector. This is a replacement device for those who have lost their original reset lever that came with their needle-free injection system

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What's Up Scrappy Peeps #2

What's Up Scrappy Peeps #2

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What's Up Scrappy Peeps #2
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This custom printed toddler t-shirt is 100% cotton with the exception of heathers (heather grey, for example, is 90% cotton, 10% polyester)" Fabric laundered, Set-in 1x1 inch collar Satin label More Product Information & Size Chart

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Film Commissions

Film Commissions

Go here to post your Film Commission.

Select a Region on the left
Albuquerque Film Office
The Albuquerque Film Office offers free dependable assistance to filmmakers. The Film Office serves as a liaison with City agencies and assist in obtaining locations, equipment, and hotel accommodations. Albuquerque has experienced crew, talent and a mix of diverse locations readily available.
Alexandria/Pineville Convention and Visitors Bureau
We have a large portfolio of possible locations and can provide you with advance location scouting to assist you in finding the perfect location for your project.
Amador County Film Commission
The Amador County Film Commission is the acting liaison between film companies and the County of Amador, and the cities of Amador City, Ione, Jackson, Plymouth and Sutter Creek. Nestled in the heart of California's Mother Lode, Amador encompasses 593 square miles stretching from the floor of the San Joaquin Valley to the 8,000+ foot peaks of the Sierra Nevada mountains. Our many natural attributes are numerous, from gently rolling foothills to rugged granite vistas, from sprawling ranchlands and lush vineyards to scenic lakes and rivers... few other California counties offer such a variety and wealth of natural beauty!
Amarillo Film Commission
The Amarillo Film Office is committed to provide assistance to production companies that are interested or have chosen the city of Amarillo for a project.
Our services include: Assistance in finding location scouts and sites; Assistance in contacting local, state and federal agencies; Assistance in working with private entities; Assistance in obtaining any permits where needed; Assistance in finding special services and personnel; Limited location files
Antelope Valley Film Office
The Antelope Valley is a ''RECEPTION COMMUNITY'' to the film and entertainment industry. Under the leadership of Pauline East, North Los Angeles County Film Liaison; with the blessings of our elected officials; and with the involvement of local businesses, residents, schools and other organizations, the Antelope Valley as a reception community has one attitude toward the film industry: WELCOME TO THE AV! Whether you are looking for friendly and accommodating location owners or a great place to relax after a long day of production, you will find the right spot in the Antelope Valley. We have several databases of Locations, Crew, Talent and Resources at this website so you can quickly find locals that are enthusiastic to help make your production a success.
Arkansas Film Commission
With a statewide, team approach to production, Arkansas provides producers with seamless, single contact access to everything and everyone the state has to offer, ensuring the most efficient, effective and economical experience possible.
Atlantic City Film Office
Songs have been written about it, stories have been told about it and movies have been made about it. Atlantic City is the perfect place for your next production whether for movies, television, commercials, photographic or music videos.

Atlantic City is a "˜Film Friendly Community," and because of that we've taken measures to ensure that your filmmaking process is a smooth, efficient, and enjoyable one.

Our 4 miles of white sandy beaches and Atlantic Ocean offers a variety of amazing looks - from our historic Steel Pier, America's first Boardwalk and 8 Casino Resorts to the back bays and marshes with all their flora and fauna. We allow cars and trucks on the beach and Boardwalk for driving shots, have ample free parking, and of course, we're the perfect spot to film a surf scene. But there's much more than just the beach and Boardwalk! We invite you to browse through the many locations available on our website; we think you'll be surprised by what you find!

The Atlantic City Film Office is proud to offer free assistance for productions working within the City. With an understanding of the filming process and a thorough knowledge of Atlantic City, we help productions take advantage of a City that has much to offer filmmakers.
Austin Film Commission
Austin is a leading destination for independent and large budget films as well as television & commercial productions. Professional Crew: Austin's talented crew base will give you more production value per-dollar spent. Diverse Locations: Austin has hill country, lakes & farmland all within 30 minutes of downtown. mericana: Austin is surrounded by small towns time has forgotten, perfect for a period piece. Weather: Austin's mild climate provides over 300 days of sunshine a year. Permitting: Austin's local government supports filmmakers, providing free right-of-way permitting. Facilities & Vendors: Austin has the infrastructure for production, including studio space and equipment suppliers.
Baltimore Film Office, Baltimore Office of Promotion and the Arts
The Baltimore Film Office provides exceptional service to all productions scouting and filming in Baltimore.
Baton Rouge Film Commission
The Baton Rouge Film Commission (BRFC) acts as a liaison for all film and video projects working within the city of Baton Rouge and East Baton Rouge parish. In partnership with the Office of Mayor-President and Visit Baton Rouge, our office works to make our area the most film friendly location in Louisiana!
Beaufort Film Commission
The Beaufort Film Commission is hosted by the Beaufort Regional Chamber of Commerce Visitor & Convention Bureau.

Come and discover the natural beauty of the Low Country and what makes Beaufort an attractive choice for film and television ventures. Pristine marshes, an undeveloped coastline. Small town settings with historic buildings. Abundant wild life and sub-tropical jungle.

Beaufort and the surrounding Low Country has been the backdrop for many feature films including "The Big Chill", "Forrest Gump" and the "Prince of Tides".

Cast and Crew Directory:
Berkeley Film Office
Berkeley offers a superb variety of historic homes and buildings, magnificent parks, great neighborhoods and the picturesque UC Berkeley Campus.
Bernalillo County Film Office
It caters to the largest of studio features, smallest of independent projects and also to a wide range of television and commercial production.
Beverly Hills Film Office
The Filming and Special Events Office is here to assist you in the process of coordinating the various approvals and logistics for your upcoming event and/or production.
Bradenton Area Film Commission
If you're scouting locations for your next film production or video, you won't find this much variety in any other destination.
Buffalo Niagara Film Commission
The Buffalo Niagara Film Office oversees film, video, television and commercial production as well as still photo shoots in Western New York State.
Calaveras Visitors Bureau & Film Commission

Located in California's picturesque Gold Country and spectacular High Sierra, Calaveras County offers a huge variety of stunning geological features, historic and agricultural settings for your production. Wide valleys, deep canyons, caves, lakes, giant sequoias, ghost towns and boutique wineries are just a few of the many features here.

The history of the area has contributed a great deal to its visual appeal. Originally settled by Miwok Indians, the area is a haven of lakes, streams, mountains, valleys and forests. When California's Gold Rush hit here in the heart of the Mother Lode, the landscape was changed by people from every corner of the world as they settled in hastily established camps in search of their fortunes.

Preserved Gold Rush towns, mining ruins, hydraulic mining and wooden flume systems rerouting water supplies permanently changed this rural landscape. Some of those settlements have remained to this day with their period architecture making charming historic downtowns with boutique shops, fine dining and wine tasting rooms. Others have fallen into ruin and are virtual ghost towns.

As the gold supply began to diminish, the people who'd discovered this place made more discoveries: of giant sequoia trees, caves and beautiful vistas. Along with outdoor recreation, they found other ways to entertain themselves including telling tall stories and betting on anything and everything. It was into this atmosphere that an adventurous young man arrived, and overhead a tale of frog jumping in the Angels Hotel.

That young man was Samuel Clemens and the story developed into his first successful short story that propelled him to fame as Mark Twain. "The Celebrated Jumping Frog of Calaveras," published in 1865 was the inspiration for the annual Jumping Frog Jubilee which takes place in Angels Camp every May, attracting in excess of 50,000 people. Meanwhile, other forms of entertainment were arising locally, including the annual Calaveras County Fair, the longest running state fair in California. Eventually those two events were combined, while other festivals and events sprung up around the county.

As even hard rock mining became harder work with fewer and fewer rewards, settlers had discovered that agriculture was especially productive here due to soil rich in minerals, making the decision to make Calaveras their permanent home a possibility. This resulted in one of California's earliest winemaking regions.

To this day, Calaveras' geological attractions, elevation changes from near-sea level to over 8,000 feet , historic features and Mediterranean climate make Calaveras County a major tourist destination for those looking for authentic California. This also makes it a prime filming consideration. With four distinct seasons featuring huge displays of wildflowers and blooming dogwoods in spring, spectacular fall colors and snowy winters, Calaveras county is your go-to filming destination, and we'll help you every step of the way.

California Film Commission
The California Film Commission supports film, TV and commercial productions of all sizes and budgets, with a variety of services, including film and TV tax credits, our extensive digital location library, free on-line permitting, low-cost use of state properties as shooting locations and production assistance.

California hosts nearly 200 feature films every year and countless TV series, commercials, and documentaries. The California Film Commission (CFC) facilitates all aspects of the filmmaking process and helps prevent filming problems from occurring. A regional network of 50 local film offices throughout the state provides logistical and permitting assistance for filmmakers. The CFC also maintains CinemaScout, an on-line database that features over 4000 California locations available for filming.

California is home to the largest and most highly skilled film crews in the world; able to sustain over 100 simultaneous productions.
Catalina Island Film Commission
Our unique island location makes for a very special location for your film or photo shoot project. The Catalina Island Film Commission as part of the Catalina Island Chamber is available to assist you in processing your permits, answering your questions, and assisting you in finding the products and services you might require from local businesses.
Central Florida's Polk County Film Commission

Film Central Florida supports film, TV, commercial productions and still photography.  Our staff will assist you in processing your permits to make your filming and production easy in Central Florida's Polk County.

Central Florida Offers a Variety of Filming Locations:

Central Oregon Film Office
The Central Oregon Film Office promotes the stunning locations found throughout the high desert of the Pacific Northwest.  From lakes to white water rivers, desert to towering ponderosa forests, epic mountain ranges to gentle fields; Central Oregon has everything you need for your next shoot.

With over 45 years of hands-on production, and an additional 20 years film industry experience, our team knows what a Producer or Location Scout needs to get the job done. The Central Oregon Film Office will assist local and visiting productions with facilitating permits, provide preliminary location scouting, and engaging the local workforce and vendor resources. We will also provide inter-agency assistance such as risk management for insurance liability and coordinate with police, fire and rescue services for the safety of the public during shoots.
Charlotte Harbor Florida Film Office

Charlotte Harbor and the Gulf Islands, on the Southwest Gulf Coast of Florida in Charlotte County, is a slice of purely natural Florida. The harbor, the second largest in the state, has almost 100 miles of natural shoreline. Punta Gorda, a picturesque small town of 16,000, sits on its southern bank. In the western part of the county, 28 miles of white sand beaches line the Gulf side of several barrier islands. No building in the county is taller than five stories, giving a definite "old Florida" vibe to many parts of the county. Inland, there are wetlands and Cypress Swamps. Features produced in the county include Out of Time and Hoot.

Chicago Film Office
The Chicago Film Office, a division of the Department of Cultural Affairs and Special Events, leads the city's effort to attract and enhance the production of feature films, television series, commercials, documentaries and all forms of local screen entertainment.
City of Marietta
The city of Marietta invites and encourages television and film production. Located minutes from Downtown Atlanta our city provides a wide variety of neighborhoods and housing stock with a handful of antebellum locations, and a significant amount of commercial/industrial areas. We are a commuinity of 60,000 residents and serve as the county seat of Cobb County, home to seven municipalities in its 750,000 population.
City of Palm Springs Film Office
In the world of film and fame, Palm Springs has been Hollywood's back lot since the 1930s.
City of San Diego Film Office
Through the combined effort of the City, County, and Port, San Diego has held a starring role in productions ranging from commercial still photography to televisions series to major feature films. The city's unparalleled weather, beautiful scenery, and quick, no-cost authorization process are just some of the incentives San Diego has to offer for your production.

The City of San Diego understands that productions may take place within a short planning timeframe and may involve a number of locations that include public and private property. We offer a suite of services to assist you in obtaining the proper authorization to film within the City of San Diego, while providing online resources for the local film industry.
Colorado Springs Film Commission
The state of Colorado offers a 20% film incentive! Services Provided: Permit information and assistance; Still images and b-roll at no cost; Location suggestions; Site tours; Crew/production services referrals; Local info and contacts/introductions.

Colorado Springs is a beautiful world-class city that has historically inspired artists and poets from around the world. Most notably known as "America's Mountain", Pikes Peak precipitated the creation of the song "America the Beautiful" written by Katharine Lee Bates in 1893 as she stood on the summit of Pikes Peak.

Nestled in the foothills beneath Pikes Peak, Colorado Springs is a thriving city with a downtown business district of modern high-rise buildings and wide side streets all splashed against the beautiful backdrop of the Rocky Mountains.

With a wealth of sprawling ranches, abandoned mines and unique rock formations amongst alpine splendor, locations are easy to come by in an area of rich history and immense beauty.
Columbia County Film Office (Columbia County Tourism Department)
For over 100 years, filmmakers and photographers have been selecting Columbia County as their visual backdrop. Columbia County NY is nestled between the Berkshire Mountain, MA and the Hudson River. Main Streets and villages with diverse architecture. Period farmhouse and contemporary homes nestled in the woods or on water. Generational farms with vast fields, small first generation farms specialized crops.
Connecticut Office of Film, Television & Digital Media
The Office of Film, Television & Digital Media supports and enhances Connecticut's film, television and digital media industry.

We are the statewide contact for motion picture, television and digital media production and serves as liaison between production companies, state agencies, municipalities, production facilities, local crew and vendors.
Dallas Film Commission
The commission is responsible for the promotion of Dallas and Greater Dallas Region to film, television and media professionals of all types as a destination/location, serving as a liaison between filmmakers and the community
Desert Hot Springs Film Commission
The goal of the Desert Hot Springs Film Commission is to help Desert Hot Springs earn the reputation as the most film friendly city in the Desert and to offer a wide range of unique filming locations.
Eastern Nebraska Film Office
The Eastern Nebraska Film Office's mission is to promote and develop the a grassroots film industry and bring big budget and independent film, television, commercial, and industrial productions to our state.
El Paso Film Commission
Since 1974, our passion for film and the El Paso community has encouraged us to provide quality service and assistance to local and outside film production. We pride ourselves on our long-standing and knowledgeable staff, experienced local crew, and film-friendly community. El Paso offers gorgeous, natural scenery. From beautiful desert landscapes, to majestic mountain ranges or wide-open spaces; the versatility of the city's natural attributes coupled with our unique border-culture, truly sets El Paso apart and provides a place and experience like no other. We would love to assist you in finding the perfect location for your project and helping you feel like you're at home while you're here.
Emerald Coast Film Commission of Northwest Florida
The Emerald Coast Film Commission welcomes you to the beautiful Emerald Coast, located along the Gulf of Mexico in Northwest Florida! Home to some of the best beaches in the world, the Emerald Coast offers a distinct mix of southern charm and tropical beauty that is unlike any other part of Florida.
Explore Fairbanks
The Fairbanks Film Council aims to grow every aspect of the local film Industry, recognizing the positive impact such an industry has on job creation and economic opportunity.
Film Ann Arbor
The Ann Arbor area is a friendly and safe community with a strong work ethic that welcomes film industry activity.
  • Hundreds of diverse locations and convenient image banks that make location scouting easy.
  • Experienced film staff who can identify the locations that fit your script
  • Staff to facilitate every aspect of production and connect you to the resources you'll need.
  • Talented crew and support personnel, including students from U-M's Department of Schreen Arts and Cultures; School of Art and Design; and School of Music, Theater, & Dance
  • A large and diverse pool of extras to choose from
  • Reasonable daily permit and locatin rental fees
  • Housing and hospitality assistance for your cast and crew
  • A convenient location - Ann Arbor is just 30 minutes from Detroit Metro Airport and 45 minutes from downtown Detroit
Film Detroit
Film Detroit was established by the Detroit Metro Convention & Visitors Bureau to act as liaison between the movie industry and local resources to help production crews easily, effectively and creatively film in metro Detroit.
Film Flagstaff
Filmmakers have chosen Flagstaff and the surrounding area as a prime shoot location since the early 1920s. Today we welcome your production to the scenic pine tree forest of Northern Arizona.
Film Florida
Film Florida is a not-for-profit entertainment production trade association that provides a leadership role in Florida's film, TV, & digital media industry by representing a coalition of interests, including private industry, local film commissions, industry associations, educational institutions and labor organizations. Its purpose is to offer to businesses and individuals the benefits of a statewide trade association to promote the creation of jobs in the film and entertainment production industries and to promote economic development and tourism.
Film Indiana
Film Indiana's mission is to showcase the state's talent and resources to local and out-of-state companies seeking information and assistance with commercial, film, and television production.
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February 05, 2017

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Busting the Myths of Online Marketing (Part 2)

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Welcome to the second part of our Myth series! Were you waiting in suspense for part 2 to be posted? I hope so because here it is!! We will be busting 2 myths today, so sit back, buckle up and hold on as we dive head first into the first myth now…

“It worked for this company, so it will work for us as well!”

Just because a company does something and their business is booming, that does not mean you can use that same technique for your own company and it will have the same effect. It might not work for your type of business. You can’t go around making exact copies of other businesses techniques because that particular technique wasn’t changed to fit your exact business. ANY technique that you find other companies using, has to be altered for your business or your time and effort might as well be considered wasted.

Better yet, create YOUR OWN technique based off what type of business you have. mythbusters-busted-spray

“We need to blog about EVERYTHING our company does.”

Hold on, let’s think on this for a moment. What would you do if you’re researching about “How to Improve your Business” and the link you click on brings you to a blog where the majority of its posts are nothing but bragging about how good their posts, products, and customer service is? You would most likely leave that blog site, Right? I would, because that doesn’t interest me as a prospect/possible customer.

You shouldn’t write content that sounds to stuck up or self indulgent. Yes, that may be what interests you as the owner or employee of that business, but your readers may not be interested in that type of stuff when they look at your blog site. So, walk in your customers shoes, look through their point of view, write about what they care about and are interested in. myth-busted

What are your thoughts on these Myths I have provided you with today? Have I peaked your interest in what may come in part 3? I sure hope I was able to do so!

Did you miss part 1, but don’t know how to get to it? Click Here if you want to see Part 1 of this series!

Do you have any myths that you have heard and would like me to touch base on? Tell me in the comment section below. Thank you for sharing this epic journey with me as I bust the myths of Online Marketing. Keep a look out for Part 3 of the Myth Busting series! Have a great day and be sure to check back soon for more posts.

Image References:

Featured image source: Dhawal, D. (Posted: April 21, 2011). Internet Myth Busted. Retrieved from http://thednetworks.com/2011/04/21/internet-myth-busted/

Image source for Busted: Hoffman, C. (Posted: April 2, 2009). Coke told to run ads admitting it can cause obesity and damage teeth. Retrieved from http://collateraldamage.wordpress.com/2009/04/02/coke-told-to-run-ads-admitting-it-can-cause-obesity-and-damage-teeth/

Image source for Greek Myth: Gloria and Jerre. (n.d.). Busting food myths, Part 3: Salt & Hypertension. Retrieved from http://www.eattosaveyourlife.com/blog/2013/04/08/busting-food-myths-part-3-salt/

About The Author

For the past 2 years Michael Bass has dedicated his time to building an Online Business that gives him complete time, location and financial freedom. The reason Michael decided to start his Online Business is because he wanted to expand his knowledge and continue to travel. Since starting his online business he has traveled all over the world to places like Puerto Vallarta Mexico, and the Canary Islands. His new book An Entrepreneur's Roadmap to Success is his contribution to anyone who wants to have financial freedom in their life. In his book he outlines exactly how he was able to build a successful Online Business. His mission is to empower as many people as he possibly can to help them reach their true peak potential. So, open your mind. . . your journey begins NOW!

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Tag Archives: Greece national team

A dangerous game

Illustration by Manos Symeonakis

If you typed the word “Greece” into an Internet search engine a few weeks ago, all you would have got in return were stories about the economic crisis. If you conducted the same search over the past few days, those reports would have been about the national team’s involvement in the World Cup. That’s the power of sport – it doesn’t always write history but it defines the present and that’s the hard currency the world’s politicians increasingly deal in, which is why they both love and fear sport, especially its most popular exponent, football.

Sport has a unique ability to unite disparate sections of society in a way that politicians can only dream of. No amount of slick campaigning or spin doctoring can give leaders the kind of universal appeal they get by associating themselves with successful sportsmen or teams. No amount of populist rhetoric and analysis of focus group statistics can help politicians connect with the public in the way that relating to sport can.

“You can occupy a cathedral and you will have upset Catholics, a fringe of approving dissidents, an indulgent left wing, while the secular parties will be (secretly) happy. You can occupy a party’s headquarters, and other parties, with or without a show of solidarity, will think it serves them right,” wrote Italian author and philosopher Umberto Eco. “But if a football stadium is occupied, the disclaiming of responsibility will be total: Church, Left, Right, State, Judiciary, Divorce League, anarchist unions, all will send the criminals to the pillory.”

An example of how football can lure politicians who want to bask in its glory came at the beginning of this week when Prime Minister George Papandreou, who hitherto had not shown any interest in sport beyond jogging and going to the gym, lauded Greece for its 2-1 win over Nigeria at the World Cup and suggested it should serve as an example for his government. “The Greek national football team won because the players displayed team spirit, which is something that Greece needs if it is to overcome the economic crisis,” he said.

Interestingly, the prime minister had not commented on Greece’s 2-0 defeat to South Korea in the opening game, when the team’s disjointed performance would presumably have served as an even timelier reminder that his government will have difficulty getting anything done if it remains as divided as it is now. Equally, the 2-0 loss against Argentina might suggest that a lack of decisiveness in the face of powerful forces will lead to the country’s ultimate failure.

Politicians toy with sport at their peril – its outcome cannot be predicted by an opinion poll and it has an uncanny knack of refusing to conform. Papandreou joins a long line of his political colleagues that have hoped a positive result on the field of play would lead to favorable developments off it. Most of them end up being deeply disappointed.

In 1970, British Prime Minister Harold Wilson had been hoping that a rousing display by England at that summer’s World Cup in Mexico would help his Labour Party be reelected. But England, then world champions, suffered a shock 3-2 defeat to Germany in the quarter-finals despite having led their opponents 2-0 late in the game. Four days later, on June 18, Wilson and Labour suffered an unexpected loss of their own at the ballot box despite having held a 7.5 percent lead in the opinion polls three weeks earlier. Wilson denied any connection between the two events. “Governance of a country has nothing to do with a study of its football fixtures,” he said. But the memoirs of top officials published in later years revealed that strategy meetings had been held when the elections were called to discuss the possible impact of an England defeat.

French President Nicolas Sarkozy is the latest leader to reap the ill-wind of a sporting disaster after his country’s national team imploded in the most spectacular way at the World Cup. The decision of striker Nicolas Anelka to cast aspersions about the sexual habits of unpopular coach Raymond Domenech’s mother during a half-time team talk sparked an almighty crisis of confidence within the team and crisis of conscience at home. Anelka was expelled by France’s soccer federation after the content of his outburst was leaked to the press. The players refused to train the following day in protest at his dismissal.

Sarkozy dispatched his Sports Minister Roselyne Bachelot to try and smooth things over. Bachelot said that she and the president shared “the indignation of the French people” and called for “dignity and responsibility”. Back in France, the squad’s disintegration was seen as reflecting a failed society and a failing president. “Soccer should be exemplary, but instead it has become a symptom of everything that is wrong with France: the lack of respect pupils have towards their teachers, contempt for authority, civil disobedience,” said Parisian Left Bank philosopher Alain Finkielkraut.

“We take them to be role models for kids who lost their way in life, but in reality they are just bling bling merchants for a sport which yesterday lost a lot of credit in France,” wrote daily Liberation of the players. The newspaper’s choice of words was probably no coincidence given that Sarkozy is also known as “President Bling Bling” for his showy, sometimes lavish, style.

“The shipwreck of the French team tells us something about the weaknesses of France, of a model of society that is based above all on money, which is adulated,” said Francois Bayrou, president of the centrist Union for French Democracy. Socialist deputy Jerome Cahuzac went even further. “The atmosphere that prevails in the French team is one that Nicolas Sarkozy exults – it’s all about individualism, egotism, everyone for themselves, and the only way to judge human success is the check you get at the end of the month,” he said.

A public relations disaster of this magnitude is the last thing a president with declining ratings wants to deal with. Yet, this is exactly what Sarkozy has been forced to do. After an emergency meeting with Prime Minister Francois Fillon at the Elysee Palace on Wednesday, the president was due to meet star striker Thierry Henry on Thursday. The latter meeting was taking place at the request of the player, underlining just how sport has the power to master politics and not the other way around.

Sarkozy’s travails are a far cry from the summer of 1998 when France won the World Cup on home soil with a squad known as the “Blacks, Blancs, Beurs” (Blacks, Whites, Arabs) that was the epitome of racial harmony and social cohesion. Then, President Jacques Chirac and Prime Minister Lionel Jospin enjoyed a double digit surge in their poll ratings. It helps explain why for decades, politicians have tried to harness sport’s positive power and deflect its negative energy. But ultimately, sport, particularly football, has proved too raw, too elusive and too ephemeral for politics to capture and tame. The politicians that remain in the hunt are clearly playing a dangerous game.

This commentary was written by Nick Malkoutzis and appeared in Athens Plus on June 25, 2010.

A matter of life and death

Illustration by Manos Symeonakis

“Some people believe football is a matter of life and death. I can assure you it is much more important than that.” When one of soccer’s most successful coaches, Bill Shankly of Liverpool, uttered these words decades ago he wouldn’t have expected them to eventually carry a much more sinister meaning than he intended.

Since Shankly’s heyday in the 1960s, the world’s most popular sport has been transformed into a cutthroat business, manna for the media, a political plaything and war by other means. The Scotsman’s dry humor doesn’t seem so amusing when in the background what was once just a game is pulled and stretched beyond recognition. All this tugging is causing the unravelling of soccer’s fabric.

This self-destructiveness was in evidence last Saturday when Greece coach Otto Rehhagel faced journalists following his side’s 0-0 draw with Ukraine in Athens in the first leg of the 2010 World Cup playoff between the two teams.

The result put a dent — a fixable one as it turned out — in the national team’s hopes of making it to South Africa. Despite the disappointment in the air, Rehhagel had little to be apologetic about. Even if his eight-year tenure in the job was about to end on a low, his place in the history books was already assured. He had steered Greece, a team with a history of catastrophic failure sparingly peppered with mild success, to unprecedented glory.

However, typical of soccer’s growing trend for chewing up and spitting out the people that keep the game alive, Rehhagel received shabby treatment from the Greek press on Saturday, as he has done for the last few months – treatment that does not befit a man who guided Greece to the Euro 2004 trophy when the odds of him doing so were greater than those for discovering Elvis alive and rebuilding Graceland on the moon so he could rent it out to Martians on vacation.

Arriving a few minutes late for the press conference, Rehhagel was on the end of a tirade from an experienced Greek broadcaster unhappy at being kept waiting. A man who had spent more than 50 years in the game as player and coach was being treated like a worthless rookie by a peer who should have known much better. Fortunately for the German, his lack of familiarity with the Greek language meant he could ignore the verbal volley.

But he could not dismiss the repeated questions about his defensive formation. Everybody wanted to know why Greece could not posses the attacking flair of Brazil, while conveniently ignoring the fact that Rehhagel picks most of his players from a substandard league – corrupt since it was conceived and continuously abused by the clubs that dominate it.

In what was potentially his last post-match news conference in Greece, Rehhagel was treated with disdain — journalists walked away muttering various epithets for the 71-year-old German. A man who was feted as a god five years ago was now being dismissed as persona non grata.

How ironic it was that Rehhagel’s shabby treatment came just a few hours before the German Football Federation (DFB) President Theo Zwanziger uttered words, which, if soccer is to save itself, should become as memorable as Shankly’s. “Soccer is not everything,” he said. “It must not be everything in life. Think not only of glory. Think about what is in a person, about doubts and weaknesses.”

Zwanziger was speaking at the memorial service for the German national goalkeeper, Robert Enke, who earlier in the week had committed suicide by walking in front of a train near Hanover as his latest bout of depression became too much for him to bear.

Although a tragedy, Enke’s suicide is a reminder of why soccer, or any sport, is worth people’s time. Dirk Enke, Robert’s father, a psychologist who tried to help the goalkeeper through his dark moments, intimated as much when he explained why his son feared being admitted to a psychiatric clinic. “He was always very close to taking this step but then he would say: ‘If I went into a psychiatric clinic, then that would be the end of football for me. That is the only thing I am good at and enjoy doing.’”

Enjoyment is a word that is disappearing from the vocabulary of fans, players, coaches, officials and journalists. We speculate, analyze and criticize but few people really enjoy a game of soccer any more. If the result is good, then the style of play is not satisfactory. If the team performs with panache but doesn’t win, then it might as well not have taken to the field. We are no longer allowed to dwell on the ethereal qualities of the game: mesmerizing skill, spellbinding teamwork, unadulterated passion and honest endeavor. Instead, we are buried under a landslide of tangibles: league points, transfer fees, lengths of contracts, annual wages and financial debt.

Perhaps it’s fitting that Robert Enke’s words should remind us what soccer is about. The Hanover 96 goalkeeper’s 2-year-old daughter died of a rare heart ailment in 2006 and in an interview after her death, he explained what sport meant for him while his child went through regular treatment. “Soccer was a wonderful distraction,” he said.

One of the keys to Rehhagel’s success in Greece is that he has never taken himself, or anyone else, too seriously. For all the frenzied reactions to his team’s poor performances, he maintains the zen-like calm of a man who knows that he’s just part of a wonderful distraction. Now at the age of 71, he feels no compulsion to pander to the fantasies of many fans and journalists who choose to ignore the limited resources the country has to offer.

Rehhagel confounded his detractors again by securing qualification to the World Cup with a 1-0 win in Ukraine on Wednesday. He will be lauded and welcomed back into Greece’s bosom, until the next poor performance, when the doubts and insults resume.

But those responsible would do well to realize that soccer is not more important than life or death. In fact, it is life, and as we were reminded in recent days, it is death as well — and through their actions, day by day, little by little, they are killing the beautiful game.

This commentary was written by Nick Malkoutzis and first appeared in Athens Plus on November 20, 2009.


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Comments for ‘Harry Potter’ Star Daniel Radcliffe Speaks out on J.K. Rowling’s Transphobic Tweets

Danielle Radcliffe & J.K. Rowling

Credit: Netflix/Getty Images

  1. Kevin H Jones

    To engage in any fantasy, it requires what is called, “a willing suspension of disbelief”. It is healthy to do this with entertainment. On the stage, for the sake of the story, I could beleive for a moment that Dandy Duncan was Peter Pan. It, however, is not healthy for society to encourage the willing suspension of disbelief in real life to the point that we are willing to accept and go along with the delusion of gender dysphoria. I do, deeply understand the attempts at being compassionate, but the truth is the truth, and when men try to be better women than women, it takes away from women.

  2. Susannah Ince

    Why would someone want to transgender if there was no sex? Transgendering doesn’t take that away, it solidifies it.

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Don’t Let Tech Be Your Customer Service

June 6, 2019

Apps, kiosks and online ordering make engaging with QSR brands easier and more convenient, but they also make the experience less personal. For QSRs that aren’t mindful, they run the risk of letting tech replace customer service, which can ultimately lead them to lose that personal connection with their audience.

People still want friendly smiles from behind the counter asking, “Hi, how may I help you?” They want to be asked, “How is your day going?” If you remove the human connection altogether, you’ll risk losing revenue generating opportunities.

Here are three simple ways for how to use tech while remaining personally connected:

1. Start with a good app or kiosk
Make the app fun, exciting and engaging. Keep the voice of the app human, not techy. It can be a simple headline, “How are you today?” Offer value, such as giving traffic or weather reports at store locations. These same tactics apply to kiosks within the restaurant.

2. Keep your brand experience personal
Technology shouldn’t give brands the relief of not having to interact with their customers personally. People want interactions, and it’s really a missed opportunity to connect at the store level.

Hire a host to meet people at the order pickup locations within your store, especially during high traffic times. The host should interact and ask questions: How are you? Did you find your order? Is it all there? Need anything else? This is a perfect time to add additional sales – because like most people, they forgot to get something, or they have friends asking them to pick something up for them.

3. Kiosks don’t shorten lines
Kiosks mean you don’t have to wait in line, but you still have to wait. Most of the time people take a seat, crowd around the kiosk, or worse, crowd around the cash register. This doesn’t make for positive store visit experiences. Give kiosks their own area and provide barstools with reading material to keep customers busy to pass the time. Have your host engage with your customers and offer them drinks – people are always thirsty, and you can sell a lot of drinks this way!

While it’s vital for QSRs to keep up with the latest trends – such as incorporating tech to create more efficient experiences for consumers – you can’t forget the cardinal rule: quality customer service will always help build and retain brand loyalty.


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Free CME EducationOnline CME Courses Free

The Creation and Implementation of SAMPRO: A School-based Asthma Management Program (CE Nurse)

Course Format: Online Video
Course Credit Type: CE Nurse
Course Credit: 1.00
Rewards Points Earned: 25
Course Category: *Nursing, **Self-Study/On-Demand
Course Producer: Allergy Asthma Network
Course Cost: $17.99 | Included in All-Access Pass
Mobile Friendly: Yes
Course Release Date: June 15, 2018
Course Expiration Date: December 31, 2022
Program Summary: Dr. Robert Lemanske and Dr. Sujani Kakumanu speak to the burden of asthma and school management issues. They will introduce a model school-based management program that is available to schools and practitioners.

  1. Participant will be able to describe 3 important aspects of the burden of asthma
  2. Participant will be able to discuss the components and value of having a circle of support in asthma care
  3. Participant will be able to implement a the SAMPROO program
You need to log in or create a user account before you can enroll.


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" /> Just Exactly Just How Compensating Facets Can Result In Mortgage Success - خانه عایق ایران

Just Exactly Just How Compensating Facets Can Result In Mortgage Success

KNIGHT Sixth is v KNIGHT Associated Articles
Tinder. Tinder App: Registrierung durch weiters ohne Facebook Verbindung

Just Exactly Just How Compensating Facets Can Result In Mortgage Success

Concern: we should make an application for a home loan but they are concerned we donвЂ™t have sufficient income. That loan officer told us we would have borrowing that is extra due to вЂњcompensating factors.вЂќ This provides hope, but what exactly is a compensating factor?

Response: The home loan industry is going because quickly as it may toward automation. Within an world that is ideal house purchasers and refinancers will key in their names and some other bits of information therefore the computer will immediately figure out their capability to have a home loan.

This seems great the theory is that, however in training all of us are usually a small various and another outcome is the fact that financing system has a fudge that is few integral. The great news is such freedom has a tendency to gain you.

As an example, loan programs usually have a strict debtвЂ“toвЂ“income ratio (DTI), state no more than 43 per cent.

Put simply, as much as 43 per cent of the gross income that is monthly be applied for housing costs for instance the home loan, home insurance coverage, home taxes and recurring debts that might add automotive loans, minimal bank card re payments or student education loans.

In the event that DTI ratio can somehow be greater, a house customer might get a bigger loan or maybe more easily qualify. This is when compensating factors become essential.

A compensating factor is really and truly just an modification that loan providers could make. But, they canвЂ™t simply fudge the figures. They should run inside the needs of this loan that you are applying, in addition they additionally must meet their standards that are own.

Exactly what are examples of compensating facets? The solution differs in line with the loan system in addition to loan provider. Nevertheless, an excellent list that is basic similar to this:

Energy-efficient mortgages

Whenever domiciles have actually better energy savings it indicates that home owners have reduced month-to-month charges for resources. If a property satisfies particular energy effectiveness requirements the lending company can be in a position to raise the DTI ratio.

Money reserves

Loan providers actually dislike the basic concept of danger. The less danger represented by way of a offered loan, the happier the lending company.

In cases where a loan provider views they may be able to adjust your DTI higher that you have good savings habits and as a result have bulked up your cash reserves.

For example, when you yourself have reserves corresponding to three month-to-month home loan repayments or six month-to-month home loan repayments as well as all of the projected expenses to obtain the house, the financial institution will be ecstatic.

By conventional criteria, may possibly not appear to be a big deal to have a couple of months of cost cost savings socked away. Nevertheless, an incredible number of Americans simply donвЂ™t conserve. Evidence? A report by the customer Financial Protection Bureau (CFPB) estimated that the typical cash advance amounted to not as much as $400.

Consistent payments

If you’ve been renting for a while at a provided rate that is monthly and your brand-new mortgage repayment will undoubtedly be comparable, maybe significantly less than your present leasing price, if not a touch higher вЂ” loan providers would be very happy to think about that fact when reviewing the application.

In this way, they understand from your own leasing history you’ll be able to take care of this new payment, and therefore decreases loan provider anxieties.

Minimal discretionary financial obligation

It is ok to own a home loan application which will show debt. Most likely, a job candidate with both cost cost cost savings with no financial obligation is pretty rare. Exactly What loan providers would like to see for individuals who do have debt is it meets standards that are certain.

With FHA funding, little if any discretionary financial obligation can be considered a compensating element according to HUD:

  • Once the BorrowerвЂ™s housing re re payment may be the just account that is open a highly skilled stability which is not paid down monthly.
  • In the event that credit history shows founded lines of credit when you look at the BorrowerвЂ™s title available for at the very least 6 months.
  • The Borrower can document why these reports have now been paid down in complete month-to-month for at the least the last 6 months. One explanation to help keep checks and bank statements would be to report re payments.

Extra income

Only a few earnings gained by candidates can count toward their qualifying income. For instance, an additional benefit every now and then or some overtime that is extra not likely to greatly help your qualifying earnings degree.

But, if extra income may be documented for at the least per year, the lending company might be able to utilize such earnings is a qualifying element.

Continual earnings

The VA loan system qualifies borrowers in component by taking a look at what exactly is called income that isвЂњresidual. The residual income standard can be seen as a strong measure of financial stability since VA financing has very few foreclosures.

The notion of continual online title loans earnings would be to observe how much money a borrower has by the end associated with thirty days provided income, family members size, and location. The greater amount of money the higher. Loan providers can occasionally make use of the exact same system to develop a compensating element for non-VA loans.

The main point here

Whenever talking with lenders, ask in the event that you be eligible for a small help through the utilization of compensating factors. You might not require them to qualify, but when you do they are able to mean the essential difference between obtaining the loan you would like versus a home loan which can be too tiny and maybe even a software that is declined.


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Do You Need WonderCover? Course You Do

Keychoice, the insurance distribution business owned by SSP, has just announced a new partnership with QOMPLX:UNDERWRITING (dear brands, please stop SHOUTING IN CAPS, as it’s getting annoying – Ed) to add their multi-peril parametric product ‘WonderCover’ to the Keychoice panel via the SSP Commercial E-trading platform.

WonderCover™, focused on SMEs and backed by Chaucer, the international specialty (re)insurance group, is available to Keychoice brokers via the SSP platform as a standalone policy or as an additional cover to other lines of business. This adds even more robust flexibility to the Keychoice
market-leading suite of products. The WonderCover™ policy provides combined cover for cyber data breach, cyber service outage and terrorism disruption, responding to the market demand for new simple and affordable solutions needed by SMEs.

QOMPLX is a unified data analytics and risk platform provider and is driving change in risk management and selection processes in the industry. The rating and processing for WonderCover™ will be handled by QOMPLX’s proprietary underwriting decision platform though integration to the SSP Commercial E-trading platform. The decision platform automates underwriting functions and drives informed data decision-making for premier risk identification and pricing.

Claire Faulding, Head of Keychoice and Commercial E-trading at SSP said “We are thrilled to be working with QOMPLX to enhance both our Keychoice and commercial e-trade offerings. At a time when cyber security is of paramount importance to all businesses, it is great that we can offer our brokers access to this type of quality cover for their clients.”

Alastair Speare-Cole, QOMPLX President and GM of Insurance, said “WonderCover™ provides simple, transparent protection against two common risks that business owners face each day. Traditional insurance policies leave businesses exposed to loss, but WonderCover™ is designed to offer fast remediation so disruption and financial impact is limited. The triggers are simple and insureds can feel confident that they are adequately protected.”

About alastair walker 6125 Articles
20 years experience as a journalist and magazine editor. I'm your contact for press releases, events, news and commercial opportunities at Insurance-Edge.Net

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Home » Czech Republic Holiday Home Insurance

Czech Republic Holiday Home Insurance

The Czech Republic is steeped with culture as the country boasts a range of famous artists, writers, musicians and film directors. The country is also well known for its natural and architectural beauty, which is why it’s not surprising that Prague is the 5th most visited city in Europe.

Being the country’s capital, Prague is naturally a popular destination for holiday home owners, however there are also those that choose to purchase their second homes in more rural areas. Regardless of where your holiday home is based, Intasure can help protect it all year round with extensive yet budget-friendly cover. Fill out our online quote form to find out more!

Protecting your Czech Holiday Home

Owning a second home means you have the luxury of being able to go on holiday whenever you like, however at the same time it does require a bit of work. Looking after a holiday home can sometimes be hard if you don’t have the right team behind you, which is where Intasure can help.

We pride ourselves on the fact that our customers will always get through to our UK-based claims team no matter where they are in the world.

We also provide numerous other benefits to our customers, including:

  •  Wider cover than standard buildings and contents policies

  •  Holiday home cover whether occupied or unoccupied

  •  Loss of rent included following a claim

Intasure Customer Reviews

To find out more fill out our online quote form today!

Get a Quote Now +

*This provides you with a summary of the cover. For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to.

Policy Details

Product information
Holiday Homes, View and download Insurance product information document:
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York Barbican Centre, York, United Kingdom

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Halloween Kids’ Recipes

Halloween is quickly approaching and I honestly can’t even believe it. Where did the year go? How in the world is it almost October 31st! I’m really enjoying this time in my life, raising a little toddler and sharing with her holiday traditions.

I love to put a smile on her face and this year we’re going to be the hostess with the mostess when serving any of these super fun Halloween snacks that are perfect for kids.

I put some links together to the recipes and hope you’ll enjoy some of my favorite kid-friendly & fun Halloween snacks!

Click here for some easy to make fun recipes.

Click here for spooky Halloween recipes.

Click here for Halloween dinner recipes

love, Kelly Krishna ❤

Continue reading “Halloween Kids’ Recipes”

Labor Day Vegan Recipe Ideas

Labor Day parties can be some of the best of the year. During a summer of social distancing, we’re skipping the guest list and celebrating with our household. We plan on spending lots of time outside grilling vegetables and enjoying refreshing cold drinks.

Check out the link below that shares a variety of 15 Vegan Recipes for Labor Day. This weekend menu already has made me begin to prepare for our Labor Day BBQ.

The Ultimate Vegan Labor Day Weekend Menu

It includes all kinds of dishes: salads, desserts, sides, refreshing drinks, burgers and grilling recipes. The summer’s end is the perfect time to move the celebration outside.

Hope everyone enjoys!! Have a wonderful Labor Day!

love, Kelly Krishna ❤

National CBD Day

TODAY on August 8th, National CBD Day recognizes the natural hemp product everyone’s asking for!

Over the years, hemp-derived CBD (cannabidiol) has made quite a name for itself in the wellness world. Since a growing number of products – from tinctures to topicals – hit the marketplace, CBD continues to be shoppers’ favorite option for holistic alternatives. As an added bonus, CBD does not possess the psychoactive properties of THC.
Another advantage of CBD is that it is naturally sourced and extremely versatile. Try a tincture, capsule, rubbing it on your skin, or bathing in it. You can even give it to your pets!

The hemp plant has withstood the test of time and politics; herbalists have long used hemp to promote wellness, while farmers have grown it as a source of fiber to make clothes and rope. But in the 20th century, governments came down on all things cannabis and everything related to it.

Nowadays, political leaders recognize what scientists long knew: properly sourced CBD won’t get you high. Since 2018, the federal government has defined hemp, which has little or no THC in it (less than .03% to be exact), as a legal plant that is distinct from marijuana. Therefore, hemp-based products like CBD oil don’t fall under national anti-drug laws.

Seek the powerful properties of CBD and experience the wealth of natural relief and recovery. Join others seeking natural support on National CBD Day, and get proactive about your wellness regimen.

National CBD Day is a great day to bring awareness to what CBD (cannabidiol) brings to millions of people annually.

In good health,

Kelly Krishna ❤

Looking for a great way to make Gingerbread Cookies this holiday season?

Tis almost the season for gingerbread cookies, a Christmas tradition. We think of “traditional” Christmas flavors like cinnamon, nutmeg and ginger, and those are exactly the same spices medieval cooks would have used in their cookies ages ago. Gingerbread is a classic Christmas cookie, and yet it’s also a cookie that would have tasted strikingly similar back in the Middle Ages.

Winter solstice festivals have been held for eons, across the world. From Norway to West Africa, Ireland to India, groups of people gathered to celebrate the changing of the seasons. Celebrations revolved around food; after all, you had to feast before the famine of the winter.

By the Middle Ages, the Christmas holiday had overtaken solstice rituals throughout much of present-day Europe. The old feast traditions remained. And while the roast and drink recipes were probably quite similar to what earlier Europeans had enjoyed, the pastry world was experiencing some amazing changes. Spices like nutmeg, cinnamon and black pepper were just starting to be widely used, and dried exotic fruits like citron, apricots and dates added sweetness and texture to the dessert tray. These items, along with ingredients like sugar and butter, would have been prized as expensive delicacies by medieval cooks. Only on the most important holiday could families afford treats like these, which led to a baking bonanza to prepare for Christmas. And unlike pies or cakes, cookies could be easily shared and given to friends and neighbors. Our modern Christmas cookies date back to these medieval gifts.

Festive and fun gingerbread cookies are what we are baking today. These gingerbread men are crisp on the outside , soft on the inside and packed with ginger and everything Christmas.

Happy Holidays!

love, k 🙂

Trinity Rice Recipe

I associate autumn with onions more than any other fruit or vegetable. This underground bulb contains potassium, fiber, and folate, as well as the flavonoid quercetin, which helps eliminate free radicals. In short, it contains LIFE, prana, the force that moves our bodies! Onions also symbolize the earth, globe, family, and taste for life.

Yogi Bhajan said that three roots would always maintain you in perfect health and balance when combined any season. These are garlic, onion and ginger. Yogiji said, they “will maintain you through the times and through the age.” These fascinating, mystical and tasty roots are essential to a healthy diet for cleansing, sustaining, and producing energy in the body.

This week I started cooking Trinity Rice for myself and family. It has been a real treat! It is cleansing for the blood and energizing for mind and spirit.

Trinity Rice

2 onions, chopped

2 cloves garlic, peeled and sliced

1 inch (2.5 cm) ginger root, peeled & grated

1 cup basmati rice

1/2-3/4 cup (250 ml) ghee

1 tomato, peeled

4-5 cups (1-1.25 L) assorted chopped vegetables

Rinse rice thoroughly and set aside.  Use a pot with a tight lid and add onion, garlic and ginger.  Stir slowly until onions begin falling apart.  Then add tomato, vegetables, and rice, along with 4 cups of water.  Cover and let simmer on low heat, checking often.  Add water as necessary.  Cook until vegetables are soft and rice is done. Makes 4 servings.

Love, k

Motivational Monday- Watermelon Juice Recipe

Are you looking for a great drink to cool off with? Try this fresh watermelon juice recipe!

It’s loaded with antioxidants, vitamins and minerals. One way to get a refreshing and thirst quenching drink is to make your own juice. It’s the best way you can be sure there are no added sugars or chemicals.

1 small sweet watermelon about 6 pounds

1 small lime, juiced

Slice the watermelon in half.

Assuming your watermelon isn’t seedless, slice the halves into smaller strips and use a small spoon to scoop out the seeds.

Discard the seeds, and scoop chunks of watermelon from the rind into the blender. If the watermelon is seedless, use a big spoon to scoop chunks of watermelon flesh into the blender.

Blend the watermelon, squeeze the juice of one small lime into the blender and blend for a few seconds.

Pour the watermelon juice into a pitcher or pour directly into glasses, over ice. Enjoy!

love, k ❤

Intuitive Affirmation of the Day

intuitive-ebook-bonanza(3) (1)

Made with LOVE

Food tastes better to people who are told the meal has been prepared with love.


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Power Singlet-Inzer Advance Designs

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  • Great for wearing over a low-scoop-neck Bench Shirt
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  • Special fabric design provides moisture wicking
  • Beautiful fit, elegant comfort
  • Stay tight in the pinnacle of Compression Singlets


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Sabam v Tiscali goes to the ECJ on ISP filtering

The IPKat has heard from a discreet informant (he used to say he heard it from a little bird, but nowadays that makes some folk assume it was a Tweet) that there is a new reference for a preliminary ruling on an IP issue which will be furrowing the earnest brows of Europe's Greatest. While it's now a matter of public record that there is a reference, the form of the questions asked of the ECJ is not so easily available. The IPKat's informant fills the gap as follows:
"In its judgment of 28 January 2010, the Brussels court of appeal has referred questions to the ECJ in the framework of the appeal in Sabam v Tiscali (which was well reported at the time it was issued in 2007; an English translation is available here). The questions are as follows (translated from French):

1. Do Directives 2001/29 [copyright in the information society] and 2004/48 [the IP enforcement directive], read in conjunction with Directives 95/46 [on the processing of personal data], 2000/31 [the e-commerce directive] and 2002/58 [on privacy and electronic communications] and interpreted with regard to Articles 8 and 10 of the European Convention on Human Rights, allow Member States to authorize a national court, seized in a procedure on the merits and on solely on the basis of the legal provision which holds that “They [the national court] can equally impose a prohibitory injunction on intermediaries whose services are relied upon by a third party to infringe copyright or a neighbouring right”, to order an ISP to put into place, vis-a-vis all of its customers, in abstracto and as a preventive measure, at the expense of the ISP and without limitation in time, a system filtering all electronic communications, both incoming and outcoming, passing through its service, in particular by means of peer to peer software, with the aim to identify the circulation on its network of electronic files containing a musical, cinematographic or audiovisual work to which the claimant alleges to enjoy rights and to then block the transfer thereof, either at the request or at the time it is sent?

2. If question 1 is answered in the positive, do these directives require that the national court, seized to rule over a request for injunctive relief against an intermediary on whose services a third party relies to infringe a copyright, applies the principle of proportionality when it is asked to rule over the efficacy and the dissuasive effect of the requested measure?"
Please send your answers on a postcard to "ECJ, Luxembourg".

Official Filter site here
Filters for water here
Filters for cigarettes here
Sabam v Tiscali goes to the ECJ on ISP filtering Sabam v Tiscali goes to the ECJ on ISP filtering Reviewed by Jeremy on Thursday, February 11, 2010 Rating: 5

No comments:

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[Guest Post] Repeat filings after Monopoly: an exchange of views

The beauty of the law is that different views are always possible. So, when Tobias Cohen Jehoram (Erasmus University Rotterdam and De Brauw Blackstone Westbroek) and Irenah Klink (De Brauw Blackstone Westbroek) reached out saying they had different views to those expressed in a recent Katpost covering the General Court (GC)'s decision in T-663/19 Monopoly, a debate was born.

The subject of debate is what the Monopoly decision might mean for repeat filings of trade marks. Below, Tobias and Irenah share their views, and then this Kat will share the cat sounds she collected around.

Over to Tobias and Irenah:

We disagree with the statement in the Katpost that the GC might "effectively [be] telling us that any repeat filing for identical goods will prima facie constitute bad faith." We read this judgment differently. We believe the judgment specifies the type of behaviour that would actually be covered by the bad faith doctrine, while in fact, repeat filings are not prima facie considered as made in bad faith. The EUTM holder’s admission that it had filed the application for the benefit of not having to prove use, weighed heavily in the Board of Appeal’s conclusion that the EUTM Proprietor had filed its trademark in bad faith.

The judgment

Throughout the judgment, the GC repeatedly highlighted that re-filing per se is a legitimate practice (emphasis added):

43 Where EUIPO finds that the objective circumstances of the particular case which were relied on by the applicant for a declaration of invalidity may lead to the rebuttal of the presumption of good faith which the proprietor of the mark at issue enjoys when he or she files the application for registration of that mark, it is for the proprietor of that mark to provide plausible explanations regarding the objectives and commercial logic pursued by the application for registration of that mark.

57 In the third place, although repeat filings of a mark are not prohibited, the fact remains that such a filing which is carried out in order to avoid the consequences entailed by non-use of earlier marks may constitute a relevant factor which is capable of establishing bad faith on the part of the person who filed that mark [...].

70 In that regard, it must be stated there is no provision in the legislation relating to EU trade marks which prohibits the re-filing of an application for registration of a trade mark and that, consequently, such a filing cannot, in itself, establish that there was bad faith on the part of the trade mark applicant, unless it is coupled with other relevant evidence which is put forward by the applicant for a declaration of invalidity or EUIPO.

Furthermore, the GC highlighted once again – in accordance with established ECJ case-law – how to interpret bad faith, namely that it "presupposes the presence of a dishonest state of mind or intention" [para. 32]. This is the case if it is apparent from relevant and consistent indicia that the EUTM-holder filed the trademark application "not with the aim of engaging fairly in competition but with the intention of undermining, in a manner inconsistent with honest practices, the interests of third parties, or with the intention of obtaining, without even targeting a specific third party, an exclusive right for purposes other than those falling within the functions of a trade mark, in particular the essential function of indicating origin" [para.33]

The importance of the EUTM holder's intention also becomes apparent in the wording of established case-law. While "account may also be taken of the origin of the contested sign and its use since its creation, the commercial logic underlying the filing of the application for registration of that sign as an EU trade mark, and the chronology of events leading up to that filing" [para. 38 emphasis added], consideration "must" be given to the EUTM holder's intention [para. 39].

This intention must be proven by the applicant seeking cancellation, by submitting sufficient and objective circumstances that would allow for the conclusion that the trademark was filed in bad faith. Only after the applicant for a declaration of invalidity has relied on objective circumstances regarding the EUTM holder's intention that could rebut the presumption of good faith [para. 43 (above) and 44], the burden of proof may shift.

The GC thus stressed that only the trade mark holder's intention is critical, not whether a trade mark has been re-filed per se [para. 89].

In addition, the GC reminded that all of the specific circumstances of the case had to be taken into account [cf. para 71]. In this case, those circumstances included, aside from the EUTM holder's admission, the filing of oppositions based on the trade mark at stake [para. 59] and the fact that the earlier marks had not been surrendered [para. 60].

Ramifications of the decision

There are three conclusions that can be drawn from this decision.

First, that re-filing as such is considered a legitimate business practice, with the GC going one step further than it did in T-136/11 Pelikan

Second, re-filing as such is certainly not sufficient to find bad faith; only the dishonest intent behind a refiling could make the later filing a bad faith filing. The GC put therefore emphasis on the EUTM holder's statement. Once such a statement is made, the implication is that intent has been established, making other considerations to file the trade mark seemingly less relevant.

Third, assessing whether a trade mark was filed in bad faith is case specific and depends on various factors. The GC stressed that the intention not to use the trade mark may be one such factor. This is in accordance with the ECJ's judgment that bad faith may be established if the trade mark holder had "no rationale for the application of the registration." [C-371/18 Skykick, para 77] At the same time, the ECJ explicitly stated that a lack of economic activity as such does not establish bad faith. This suggests once more that the intention (to circumvent the use requirement) and not the lack of use (or that there is a repeat filing) is decisive.

In this context, it is stressed that the burden of proof may shift once the EUIPO concludes a dishonest intention established on the basis of the objective circumstances the cancellation applicant has submitted – refiling as such (which is allowed and a legitimate business practice) does not trigger such shift. This is in fact only the case if the refiling is done with a dishonest intention to be proven by the party claiming bad faith.

Alternative views see that

This Kat appreciates Tobias and Irenah's valuable points. To encourage open debate, below are some of the different perspectives this Kat has hunted from here and there:

First, as Tobias and Irena recall, that a repeat filing is not, by itself, indicative of bad faith.

However, does it deduce that the GC then regarded the repeat filings as “a legitimate business practice”? There seems to be rather a leap from “not prohibited” to “legitimate”. There can be circumstances where repeat filings are legitimate, for instance, where a mark evolved over time [Pelikan at 36] or where the repeat filing is made for new goods and services as the proprietor expands its business [Monopoly at 75]. By contrast, the GC made very clear that repeat filings seeking to circumvent the rule relating to proof of use are illegitimate [Monopoly at 70, 72].

Good faith is indeed presumed, and the applicant must prove that bad faith based on objective circumstances. However, different opinions submit that if revocation proceedings are pending against the earlier mark and the proprietor is unable to furnish proof of use, that is an objective indication that the repeat filing was intended to circumvent the rule relating to proof of use. Because, after all, in these circumstances, repeat filings will inevitably and objectively result in the circumvention of the proof-of-use rule.

Again, a repeat filing without the use of the earlier mark doesn't automatically render the repeat filing in bad faith. Instead, it shifts the onus of proof on the proprietor to show that the repeat filing was nonetheless legitimate, as per para 43-44 of the GC's decision.

Incidentally, reliance by the proprietor on the repeat filing in subsequent oppositions or proceedings, as also occurred here, is an even stronger indication of bad faith, because reliance on the older mark would have been precluded by the proof-of-use rule. Thus, the illegitimate advantage of refiling is immediately felt.

Second, there are strong policy arguments for limiting repeat filings, and the GC emphasises them throughout its decision [e.g. at 54-55, 70, 94]. The purpose of applying the bad faith doctrine to repeat filings seeking to circumvent the proof-of-use rule is to ensure that the trade mark register "faithfully reflects what companies actually use on the market to distinguish their goods" [54]. That purpose is best served if the burden of proof shifts on the proprietor whenever a repeat filing would result in circumvention of the proof-of-use rule. After all, all such cases objectively result in the continued registration of unused trade marks.

Conversely, requiring an explicit admission of the proprietor that they indeed sought to circumvent the rule would render the doctrine meaningless. There seems to be no rational reason to allow repeat filings of unused marks in all cases where the proprietor is shrewd enough not to admit they are seeking an illegitimate extension of their monopoly.

Kat's observation

This Kat sees the views expressed by the above two sides as having their own merits and focus.

Meanwhile, however, the Court appears also to say that any repeat filing is an indication of bad faith unless specific reasons justify that. These do not include the circumvention of proof of genuine use. All that seems to come quite close to, although not there yet, the effect that the repeat filings do somehow establish the presumption of bad faith. In this scenario, to quote a prestigious scholar this Kat had the honour to talk with on such matter:
Formally, it remains true that it is for the owner of the junior mark to prove a bad faith intent of the senior mark owner. So, though repeat filings do not per se amount to a manifestation of bad faith, they put the owner of the senior mark in an awkward position.
What do you think? At this point, this Kat invites interested readers to share their thoughts in the comments section below generously. Let us see how the individual comparisons and valuations may diverge or eventually come into harmony.

The floor is yours - enjoy!

Kat photo courtesy: Mochi & Cappuccino's mom

[Guest Post] Repeat filings after Monopoly: an exchange of views [Guest Post] Repeat filings after Monopoly: an exchange of views Reviewed by Tian Lu on Thursday, May 27, 2021 Rating: 5

1 comment:

  1. The cancellation applicant is not in a position prove the intent of the registered owner. The practical way to 'reveal' that the owner has a legitimate reason for the repeat filing is for the owner to provide their reason for the repeat filing. If the reverse is true and the burden is on the cancellation applicant, this is so unworkable, it is bound to be challenged and evolve into something more practical. Otherwise all one needs to do to artificially extend their paper monopoly is re-file and keep quiet. This loophole is not only a contradiction of the revocation and proof of use provisions, it is bad for businesses - who have to deal with the consequences of zombie registrations.

All comments must be moderated by a member of the IPKat team before they appear on the blog. Comments will not be allowed if the contravene the IPKat policy that readers' comments should not be obscene or defamatory; they should not consist of ad hominem attacks on members of the blog team or other comment-posters and they should make a constructive contribution to the discussion of the post on which they purport to comment.

It is also the IPKat policy that comments should not be made completely anonymously, and users should use a consistent name or pseudonym (which should not itself be defamatory or obscene, or that of another real person), either in the "identity" field, or at the beginning of the comment. Current practice is to, however, allow a limited number of comments that contravene this policy, provided that the comment has a high degree of relevance and the comment chain does not become too difficult to follow.

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