text: Newsletter SUBSCRIBE → ARCHIVE → PRINT → Editor: Neil B. Gailmard, OD, MBA, FAAO Tip #839 The Three Hats Practice Owners Must Wear May 23, 2018 By Nathan Hayes, IDOC Consultant Advertisement You field complaints from the staff. Meet with your vendors. Pay the bills. Read up on the new HIPAA guidelines. Oh yeah, there are patients to be seen too! Practice owners often feel like there just aren't enough hours in the day to get everything done. And this is true of all small business owners, whether they're butchers, bakers, candlestick makers…or optometrists. You have a skill – an expertise, really: diagnosing conditions of the eye and prescribing solutions and devices to help your patients see better. And if you're an employed OD, that's the extent of the role: you see patients, those patients pay the practice, and the practice pays you for your services. But when you move from being an employee to a practice owner, suddenly you have two other roles: Manager and Entrepreneur (Michael Gerber describes these as Technician, Manager and Entrepreneur in the E-Myth Revisited). Practice owners ignore these other two roles at their peril. Make Time The biggest mistake I see practice owners make is that they fail to make time to manage and grow their practices. I know: seeing patients is how you get paid. But if you're only concerned with seeing patients, you're going to be stuck on a hamster-wheel of frustration as the only way to increase your income is to work HARDER and see more and more patients. If you want to grow your income without running yourself ragged, you're going to have to build a business: with systems in place to make sure everything runs smoothly day in and day out, and with strategic plans to attract more patients and generate more revenue per patient encounter (which is another way of saying "prescribe more care to your patients and have them buy into the prescription"). Practice owners need chunks of time for these activities. It's just too hard to bounce between patient care in the lane and strategic planning or staff management. I recommend taking your admin time in blocks of at least four hours. Some owners will prefer having a whole day; some prefer half-days. Depending on the size of your practice, there are really only two obvious ways to make time to own and run the business. For smaller practices (revenues less than $800,000 or so per year), owners might need to acknowledge that they don't actually have five days' worth of patients and compress their patient care schedules down to three or four days per week, leaving 1-2 days for administration, staff training and development, and strategic planning. For larger practices, there ought to be enough profitability for the owner to 'buy' time, either by hiring a manager and delegating some of the operational management or by hiring an associate OD and delegating patient care hours. Or both. Once you've made time to be Manager and Entrepreneur, what do those roles entail? Manager Though most practices have an employee with the title of manager, that doesn't mean practice owners don't have some obligation to oversee the day-to-day goings-on in their office. After all, the practice's consistency in delivering a high level of patient care and its efficiency in getting patients through the exam and into the optical are how the owner gets paid. And if something goes wrong in those areas, it comes out of the owner's pocket book. Owners must have some oversight of each aspect of the practice: patient satisfaction, optical sales, inventory management, staff management and culture, billing and receivables, and the finances of the business. You don't have to be deeply involved; in fact, you probably shouldn't. But in my experience, one of the worst feelings owners can have is to not understand what's happening in your business and not feel in control. You must take responsibility for the management of your practice. Entrepreneur As a practice owner, you can delegate some of the daily management, but setting the vision and strategy for the practice is something only you can do. Wearing the entrepreneur hat means making strategic decisions about how to grow your practice: How you differentiate yourself from your corporate (and other private practice) competitors. Why should a patient choose your practice over another? When you invest in equipment, or staff, or a new space to support increasing patient volume through your practice. Investment is a balancing act: your practice needs it to grow, but there's always the risk that it will just increase your expenses instead of increasing revenues and profits. What new services you can add to increase revenues and attract new patients to your practice. An Owner's Income and Control Comes with Responsibility As an optometrist, your profession, the skill you're trained to bring to the market, is to help people see. Practicing optometry in any mode of practice can be incredibly rewarding. Practice ownership adds the opportunity to be in control and to increase your income potential well beyond what you would earn as an employed OD. Remember though, that in order to fully realize those benefits you must make time to be the manager and the entrepreneur for your practice, in addition to being the optometrist. Nathan Hayes is the Practice Finance Consultant for IDOC. He is a 10-year veteran of the eyecare industry, working at HMI Buying Group and Red Tray, Prima Eye Group from its inception and now IDOC. In his current role, Nathan helps OD practice owners manage their overhead, grow practice revenues and profits, and maximize their personal income, free time, and professional satisfaction. For questions or comments about this article, please contact email@example.com. PentaVision is a proud supporter of:


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subset: commoncrawl


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Another "Tail" from the Shelter
As I walked up Newland Street and reached the area of the Santa Ana River I once again heard those canine voices reminding me that I was getting closer to our shelter and would once again have the opportunity to visit some of my favorite friends.
Once in a while I only have a few visits with one dog or another because they are happily adopted out and their memories of the shelter are only fleeting images of the past.
That makes me very happy, because as much as I love seeing them and learning about their personalities so I can describe them to you, I am joyful that they are out and enjoying life as well as bringing devotion and love to a new owner.
Several months ago I talked about our little Leo; a sweet little dog with a large and happy personality. Unfortunately, no one has stepped up to take him home and he is still at the shelter, biding his time.
Leo has taught me a few lessons though and I have to thank him.
He manages to make the most of his life and is in fact "growing where he is planted." Of course the highlight of his day is when I or another volunteer approaches his pen and greets him. He is ecstatic with joy! He does what I call "the Leo dance" and lets you know that he is happy to see you.
Last week I noticed that he truly needed a brushing so I wore my small waist purse to the shelter and packed a brush.
Leo and I walked the Edison Access Road and then sat down at the curb to share some cuddle time and a good brushing. It became apparent that he had not been groomed in a very long time because he looked at me like, "What in the world are you doing?" But that was quickly followed by a look of pure ecstasy on his little face and a rapturous closing of his eyes.
Leo is a gem—a small, brown, stocky little guy who reminds me whenever I see him that it is best to make the most of what we are given and to be grateful for every kindness.
He also does something that is quite rare. When I return him to his pen, he walks in happily as though he is grateful to have at least shelter and food.
So much I would like to see this little man have a lot more. I would love to see Leo in his own home with people who he can teach to love life as he does, to find joy in the smallest thing and to reflect the joy he has in his heart.
Please come and visit Leo at the shelter, take him for a walk, share his story, and think about bringing this happy little man into your home.


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Behavioural Interviewing Accreditation Case Study
Gloucestershire Constabulary were looking for behavioural interviewing training for police and staff across the whole organisation. Their objective was to ensure that all selection interviews, both internal and external, would conform to current best practice techniques.
They also wanted to provide Job Interview Skills training for internal people who would be applying for jobs and promotions.
Behavioural Interviewing Training Outline
The training outline agreed with Gloucestershire Constabulary was a package consisting of:
- A one day Interviewee training course
- A one day Interviewer training course
- A one day of interviewing practise for both groups
Interviewee Training
Internal interviewees should all be given the same opportunities in how they perform during a behavioural interviewing selection process.
Gloucestershire Constabulary people are all trained in how to answer behavioural questions and to give clear examples of behaviour from their recent past.
They are trained to respond to the same techniques which are being trained to their interviewers.
The training is based around a set of video scenarios produced by The Development Company Limited to show examples of how to respond to questions when in a behavioural interviewing situation.
Interviewer Training
Interviewers are trained in how to prepare suitable questions for the candidates and how to ask probing questions to get to the behavioural evidence.
The training is based around a set of video scenarios produced by The Development Company Limited to show examples of how to ask questions when in a behavioural interviewing situation and also how to probe to get to the best quality evidence.
Behavioural Interviewing Practise
On the third day of training both the interviewers and the interviewees are brought together for a day of practise interviews. Interviews are filmed so feedback can be given.
The film of the final interview of the day for each interviewer is taken away for final assessment so that successful interviewers can be awarded an accreditation certificate by the Institute of Training and Occupational Learning. This shows that they have performed at the agreed standard.
Behavioural Interviewing Accreditation
Gloucestershire Constabulary are showing that they take the interviewing and selection process very seriously. They are requiring all interviewers to reach the required standard before they can carry out interviews and make decisions which will affect the careers of their people and will also affect the effectiveness of the constabulary.
Please select an option below for more information
Accredited Training
We can accredit any of the training we provide for you.
This will show that your people have been trained to an agreed standard.
Each course certificate is produced by the Institute of Training and Occupational Learning.
A Typical Course
This will give you an idea of the in-house course content which we will tailor to your requirements.
Behavioural Interviewing
What behavioural Interviewing is and how the questioning process works.
Behavioural Interviewing Training
We can tailor a course for you to fit your internal processes and documentation.
Find out more about how this works.
Assessor Skills
A very effective way of identifying the right people for the job is to design and run an Assessment Centre.
Learn the skills you need to create and run effective assessment processes with this in-company tailored programme.


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Do You Bleed Like Me?
How much do people in the bleeding disorders community know about bleeding disorders other than their own? This workshop lets participants test their knowledge… on each other! By the end of the workshop, participants will be able to assess their knowledge, discuss things they wished others knew, and break down barriers within our community.
Can be co-facilitated by NYLI. Can be tailored to include siblings.
Recommended ages: 10-22


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From Start-Up to Incumbent: The Innovation Cycle
By Chris Skinner
Fintech Center
Chris Skinner
From Start-Up to Incumbent: The Innovation Cycle
Oct 27, 2015
I keep coming back to
this chart
, as it typifies a lot of my thinking right now:
I mentioned the Uber example of this cycle, which began as a start-up but, as it grew into an upstart, it started to be attacked by the incumbents. Then the regulators woke up and started to consider the implications of the insurance of drivers, the employment status of the drivers, the safety of the passengers, etc. Then the upstart becomes the incumbent as the regulator restricts its innovation risks to be more in line with the industry it has attacked. Eventually there is a new business model that has evolved the regulations thanks to the innovation, and this new business model has a new compliance structure that must also be adhered to.
You could say that we see this in most other cycles of change. Take music. It began with Napster which morphed into iTunes and now Spotify but, with each change cycle, a new structure of guidelines is produced that must be adhered to. The same with film and film downloads and other services.
This is therefore what we see now with digital currencies, Fintech disruptors and crowdfunding lenders. They begin with an innovation model that is unlicensed and unknown but, as risks become noted, their models have their wings clipped to be more in line with the requirements of the incumbent service providers.A great example is bitcoin. bitcoin begins life as an innovative libertarian dream of money without government. It soon encounters issues where losses mount wit Mt.Gox, Bitstamp and even the Bitcoin Foundation, and people call for protection of their bitcoins. The result is that the regulator steps in and creates a
, something that looks like a bank license but is specifically for bitcoins. Following such regulatory moves, the innovation begins to be institutionalised and is used in a new hybrid form between the incumbents and the innovators. Eventually, the innovation becomes the incumbent and the cycle starts up all over again.This is demonstrated in many other forms. Let's take Facebook. When Facebook started it was up against Friendster, Friends Reunited, MySpace and more. Gradually, over time, Facebook spread its wings and created risks, in terms of privacy, data usage, data sharing, advertising and more. This has led to regulatory structures that manage the Facebook ecosystem and now Facebook is the incumbent and many new innovators are trying to attack and defeat them.In fact, I could lay another chart over this one, which is the innovator to incumbent cycle. Uber moves from start-up to up-start and so a target for all players to attack and, eventually, becomes an incumbent once their business model is understood, regulated and compliant. Airbnb moves from start-up to up-start and so a target for all players to attack and, eventually, becomes an incumbent once their business model is understood, regulated and compliant. Facebook moves from start-up to up-start and so a target for all players to attack and, eventually, becomes an incumbent once their business model is understood, regulated and compliant. PayPal moves from start-up to up-start and so a target for all players to attack and, eventually, becomes an incumbent once their business model is understood, regulated and compliant. M-Pesa moves from start-up to up-start and so a target for all players to attack and, eventually, becomes an incumbent once their business model is understood, regulated and compliant. bitcoin moves from start-up to up-start and so a target for all players to attack and, eventually, becomes an incumbent once their business model is understood, regulated and compliant.
During the third phase of the innovation cycle discussed on Friday, the upstart has been noticed by the incumbents and becomes a target to be attacked.
We saw this with Uber from the taxi firms; with Airbnb, it's the unlicensed sub-letting of properties that hits
the news
; and with Facebook, the target was
privacy breaches
.PayPal was targeted by banks for its risk and lack of security (falsely); M-Pesa saw incumbent banks saying they were fraudulent (falsely); whilst bitcoin created its own mess with Mt.Gox.Meanwhile, we are now seeing the target phase for Fintech, as US banks hope to stop the march of Fintech through regulation. In August, the Clearing House produced a
white paper
that effectively said that the world of Fintech or, as they call them Alternative Payments Providers (APPs), is a Wild West.Banks are subject to extensive regulatory, supervisory, and enforcement scrutiny by their regulators with respect to privacy and data security, APPs, by contrast, are providing their products and services by continuing to rely on the backbone of existing bank payment systems while capitalizing on innovations in communications platforms, thus generally managing to avoid the reach of the traditional financial regulators. Additionally, APPs only face punishment for lax data security practices if they suffer an actual cybersecurity breach that is discovered by the government, because unlike banks, APPs are not subject to regular examinations and enforcement actions by regulators.What is key in this process is that you will always get an attack phase in innovation, where the disruptors become the targets of the incumbents before they become incumbents themselves. And yes, you guessed it, the Fintech unicorns are becoming incumbents.I realised this when I watched SoFi and Lending Club presenting in a bank conference recently and they said over and over that banks are their partners; that they are serving underserved markets; that their operations were being funded by banks; and that banks are their preferred targets for partnership.Talking with P2P lenders in the UK, they've had lots of regulatory
to's and fro's
but the key call here is that Zopa wanted regulation. When the regulations were introduced for P2P Lending by the Financial Conduct Authority (FCA) in April 2014, the upstart made clear that they
wanted regulation
:"Zopa has been lobbying for regulation for a number of years and was a founding member of the trade body P2PFA which has been successful in securing regulation for peer-to-peer lending."I've heard the same from several other Fintech start-ups, and the reason for the demand for regulation is that it makes the start-up trusted and respectable. My assertion of people not wanting to deal with untested and unlicensed firms is that, once they are tested and licensed, you can trust them. That's why Zopa wanted P2P regulation. As Giles Andrews, CEO of Zopa (and guest of the Financial Services Club as keynote on
November 25
: "there is still faith that regulated industries are more trustworthy than unregulated industry".As startups become regulated, they are now able to move into the mainstream. By way of example, Zopa is now partnering with banks like
Metro Bank
, and being officially recognised as a Government supported tax-exempt savings vehicle by
the Treasury
Having written that the start-up soon becomes the incumbent, a great question on twitter was asked: "so how does the incumbent maintain the innovation culture?" The answer is that they can't.
Any start-up will eventually gain momentum and size that means they need structure. Structure, historically, meant organisation and organisation, historically, meant hierarchy. That's certainly true of most organisations I've worked for and particularly true for most banks I've worked with. Hierarchical organisation structures were managers manage managers manage workers. This is required to ensure targets and objectives are met. After all, it's all about Management By Objectives, or MBOs for short. We have Key Performance Indicators, KPIs and SMART goals and such like. Then we talk about empowerment, enrichment, diversity and ethics and all those other good corporate things and that's how we realise we've become the incumbent.Now the new giants of this world don't talk this way. GAFA – Google, Amazon, Facebook and Apple – have two-pizza teams and
customer obsession
, but they can still fall into the trap of management hierarchy. Equally, they can be accused of megalomaniac leaders who are hated, corporate cultures that are bullying and structures that are chaotic. It doesn't matter, as most of those accusations are made out of jealousy. The fact is that some companies do rock, and some companies can still be innovative even when they have 1,000's of people.So what's the difference between a company that rocks and one that stagnates?
The fact is that most of the young firms are led by people unconstrained by the disciplines of the past. When Peter Drucker came up with The Practice of Management in 1954, firms needed structure. We had just started to move from the Industrial Age to the Office Age, and management was relatively unknown. We needed performance schedules and maps of management structure in order to absorb 1,000s of people into suits and cubicles. That was the age of the post-War era, when most banks grew into global powerhouses and, take note, Drucker was a former financial guy.Now, we need agility and speed. A global powerhouse built upon formal structures of power and operation does not cut the cloth in the digital age. A hierarchical management structure is slow and unwieldy, and we have known this for a while. So we try and adapt. Maybe we create a Matrix Management Structure which, to be honest, is even more unwieldy and slow. Show me any Matrix Management Organisation and I'll show you a company that cannot make a decision. In a Matrix structure, all you have is 10 people who can say no and not one that can say yes. Get out of there!
So what we really need in the age of the internet where speed, agility and innovation are key, is small, decisive groups who can act upon opportunity and move fast. It's why I like the two pizza idea of Amazon so, just to repeat and focus this dialogue, here's the
two pizza team idea
Two-pizza teams are so named because they're small: 6 to 10 people; you can feed them with two pizzas. The most important aspect of a 2PT isn't its size, though, but its fitness function. A fitness function is a single key business metric that the senior executive team agrees with the team lead. It's the equivalent of the P&L for a division: a single metric to provide focus and accountability. In some cases, the fitness function is literally a P&L: for instance, the contribution profit from the sales driven through sponsored links minus the cost of those clicks. In other cases, it's something more clever: e.g. metrics related to the efficiency of picking, packing, and sorting. Once approved, the team is then free to execute relatively autonomously to maximize its fitness function—to pursue creative strategies and to set its own internal priorities. A handful of engineers, a technical product manager or two, and maybe a designer all report directly to the 2PT lead; there's I need to coordinate even across teams, let alone across divisions, to get something done. This model has helped Amazon stay nimble and innovative even as it has grown.Imagine this idea in banking and it seems completely incongruous. Banking is all about structure, control and discipline to avoid risk, exposure and sanctions. A two-pizza team structure where no group is larger than ten people and they all work to a singular specific objective is not going to work. Or is it?
Banco Original
in Brazil reckon they can make it work. A digital-first bank thinks that the two pizza structure is critical to their operation, so maybe it's not impossible. I just can't imagine this thinking in many other financial institutions however.
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Es befinden sich keine Produkte im Warenkorb.
Why do I have dry hair?
14 Jul
Dry hair can be a real problem for the overall health of your scalp. Dry hair can lead to breakage, hair loss and skin complaints on the top of the head.
Dry hair is normally the result of the scalp not making enough oil to moisturise the hair – or your hair, for whatever reason, allowing moisture to escape.
Your hair relies on these natural oils to keep it lubricated. Without this moisture, there is no natural lubrication which means hair is not moisturised and loses its lustre.
Sometimes, hair doesn't make enough oil, which leads to dry hair. (Likewise, roots in overdrive lead to oily and greasy hair.) As you age, your hair naturally makes less oil. Since the roots are under your skin, dry scalp goes along with dry hair. Dry scalp peels and sheds, leading to dandruff flakes on your shoulders.
On every strand of your hair are little tile likes structures called cuticles. These protect your hair from heat and sun damage. On healthy hair they lie compact, close to each other to retain moisture. On dry hair, these cuticles separate and peel losing the ability to hold on to moisture
So what is causing this to happen, and how can we correct it?
Some things that damage the hair according to WebMD:
- Over-washing or using a harsh shampoo strips away your hair's natural oils
- Blow drying your hair too often — especially when you apply alcohol-based styling products first
- Using heated hair straighteners or curling irons
- Exposing your hair to lots of sun, wind, or dry air
- Applying chemical treatments, including dyes, perms, and relaxers
How can we improve dry hair?
- Wash your hair less often. You may be able to get away with washing once or twice a week instead of every day (many people can). As a bonus, when you shampoo less frequently, you won't need to blow dry and heat-style it as much.
- Use a mild shampoo made specifically to help dry hair because it will have fewer drying detergents – like La Biosthetique Shampoo Dry Hair – Conditioning Cleansing for Dry Hair.
- Use hair products that don't have alcohol because it is drying.
- Follow the shampoo with a moisturizing conditioner. It will keep cuticles lying flat so they hold in natural oils.
- Massage jojoba oil or coconut oil into your scalp to replenish moisture.


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- Property type: Condos
- Offer type: For Sale
- City: Chiang Mai
- Bedrooms: 1
- Bathrooms: 1
- Property size: 101.31 m²
- 24 hours CCTV
- Elevator
- Garden
- Gym
- parking
- security
- Swimming Pool
- WiFi
The property CM-651 is a 101 square meter resale condo with 1 bedroom and 1 bathroom that is available for sale. It is located in Mueang Chiang Mai, Chiang Mai. You can buy this condo freehold for a base price of ฿6,500,000 (฿64,160/Sq.M). Property Type: Condo Location: Mueang Chiang Mai, Chiang Mai Build: Completed (2009 Dec) Sale Status: For Sale by Private Owner Ownership: Freehold View(s): Mountain Furniture: Partly Furnished Number of Units in Project: 79 Number of Floors in Building: 0 Distance to City: 0.5Km


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Erica Daniels is an internationally recognized medical cannabis activist, author, natural health educator, medical advisor, entrepreneur, public speaker, influencer and devoted mother.
Erica entered the cannabis industry as the mother of a child with severe autism determined to give her family the highest quality of life possible. After years of countless treatments, Erica discovered that medical cannabis dramatically improves the lives of individuals suffering from autism.
Erica has been featured at many cannabis conferences, on Today.com, Viceland's Weediquite, ABC, NBC, FOX, Philadelphia Inquirer, Philadelphia Magazine and many other news outlets nationally and internationally.


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Real Weddings •
DIY Lodge Wedding
We're back with another wedding of the week! This Montana DIY lodge wedding has lots of fun and creative details– the couple managed to host 280 guests for only $11,000! Very budget savvy! I love that they spent a significant portion of their budget on their


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|Regrouping after a short neutral rollout. Quite a few fast guys in the mix.
The pace was swift at the front end and I settled in to what I hoped to be a comfortable, steady pace all day.
|The early wide flats made it easy for the group to spread out.
|What's this?? Blast from the past. Sharon Sell & Rich Wolf!! I met and leapfrogged with Sharon during the AZT300 in 2013. I last saw Rich during his 2015 AZTR750, he was killing a day at the South Rim as I had finished up a day hike in the Canyon. Small world. We'd end up riding over half of Pleasantville together.
|Pretty good snap considering I took it while still riding!!
|Mark crossing the dry lake bed. That's the now destroyed floating bridge. Hopefully, a new one will replace it if and when the lake levels return.
|Sharon & Rich flying by the north end of the Lake Pleasant singletrack.
|The far mesas are on route and would be a point of reference most of the morning.
|On to the fast dirt roads wrapping around the north end of the lake.
|The mesa slowly grows near.
|We passed a few horseback riders dropping into the valley and found a whole herd at the bottom!!
|This is about as much color as you'll find in the desert during autumn. Sure is cool.
|Our first wild burro sighting!!
|Long rubbly climb, Mark had been looking forward to this all morning.
|Of course he cleaned it.
|Good thing we host this ride in early December. This was news to a bunch of us.
|Mark dropping into a dry north finger of the lake.
|My turn.
|At the bottom, a sea of cockleburs!! Ack!!
|Dry dock hucking, anyone? Mark was game.
|A bit of hidden singletrack.
Mark and I slowly pulled away from Sharon and Rich for the final time. The climb seemed to go by rather easily as I was only tripped up a couple of times by stray rocks. I was feeling fairly strong. The past few weeks of training were definitely beginning to pay dividends.
|Mark heading up a switchback section.
|Doe Valley.
|The second saddle after Table Mesa Rd. This signals the end of the work for the ride.
|The signature peak in New River: Gavilan Peak.
|Bicycle rock art.
|A second sighting of wild burros near Emory Henderson trailhead. There must have been at least 30 of them.
|The final stretch of BCT and some familiar peaks of the Phoenix area.
|Looking back northeast.
|Mark attempting to ride across New River. He didn't get far.
|Rejoining the Maricopa Trail as it scoots under I-17.
|The final bit of trail.
Sharon & Rich rolled in about an hour later after getting all turned around trying to cross New River!!
This is such a fun route utilizing a bunch of well known system trails and seldom used jeep roads to vary the scenery. There's really not much BS on this route. Put it on your list, just don't ride the route during the Eagle nesting season from Dec. 15 - June 15 and be sure the Lake Pleasant water levels are lower than 80%. Water levels can be found here.


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PayMaya in Messenger. PayMaya is now in a relationship with Facebook.
PayMaya is a leading instant virtual wallet that is available on both Visa and MasterCard. They are constantly transforming and continually expands their service making it hassle-free for users. They can shop online, pay bills such as utilities and much more.
PayMaya together with Facebook launched PayMaya in Messenger. This allows Filipinos to have a better option when sending money, buying a mobile load and paying bills on Messenger, whether they have a bank or a mobile money account or not. Isn't that cool?
Here's a fact. According to Bangko Sentral ng Pilipinas, there are 86% of Filipino households don't have a bank deposit account. That problem created an opportunity for Paymaya to utilize Messenger, one of the most popular messaging apps in the Philippines for people to create a new account for daily financial transactions.
Here's what Paolo Azzola, Chief Operating Officer of PayMaya said:
"This integration with Messenger represents an exciting new way to reach the unserved and underserved people and communities in the country by making payments available via social"
and he also mentioned this
"Our mission is to make cashless payments available for all and this new channel via Messenger will help us enable more people."
Before you begin, best that you know this:
Integration in FB Messenger is currently available on Android. No timetable yet as of this day on when it will be ready for Apple users.
Because PayMaya is now in a relationship with Facebook, sweetness and cheesiness overload is expected
When you just get into a relationship, unconsciously you tend to be sweet, caring which sometimes you get too cheesy to your partner. These two giant tech platforms didn't just step up their innovation game but also proved how lovely it is to have each other's back. Apart from the feature send money on messenger app, you may also buy mobile load and make a utility bills payment. Before you get excited about PayMaya in Messenger, here are important things you need to know:
- Be sure that you are using an updated FB Messenger
- Currently available only for Android mobile phones and tablets for this release
- Stay tuned for the iOS release late this year
- Bonus: You can create a PayMaya account on messenger. You can register any local mobile number you have
- Fact: Any transactions using PayMaya on FB Messenger is super duper safe. You can also trust that your funds and financial transactions are handled and kept safely in PayMaya but make sure you don't expose your login credentials to anybody.


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Know your money and business funding! most business people understand that there is different lending solutions for their companies, Invoice Factoring being one solution used. It is true that invoice factors will lend up to 95% of an invoice value, you should know your money power.
The words 'up to' are all-important as it depends on many factors. A lot depends on the terms of sale your company operates and the credit-worthiness of your customers.
Know Your Money with Invoice Factoring
You may also not require the entire advance amount offered to you, so you can take any value up to the amount approved. If every sale is to a reliable customer (business-to-business), then you are quite likely to get up to 95% of the invoice value, so know your money !
If there is the potential to return some or all of the goods, or there is a history of late payment, the invoice factoring company may reduce the percentage it advances. It must be highlighted that this depends on different factors, so each case is going to vary even if it is only slightly.
Most invoice factoring companies will lend hundreds of thousands, and even millions, to UK based companies. Indeed, invoice discounting or invoice factoring frequently form a considerable part of the funds used in management buyouts these days. For savvy business people who know their money there smaller factoring companies like Regency might not be able to do the deal, but the larger ones like Bibby Financial will definitely be interested, which is a big hint to ensure you shop around and know your money when looking for a deal or better still get a invoice factoring broker on involved to use their knowledge of the invoice finance markets.
What are the Costs of Invoice Finance?
There are two cost elements typically associated with invoice finance. The first is the service fee. It covers the costs of having the facility including the admin and credit control within the invoice finance facility. This is charged as a percentage of your annual turnover and can range from as little as 0.1% to a maximum of 3.5%.
It is unusual to pay much more than this. The rate of this charge usually depends on the level of your turnover with higher levels of turnover receiving the lower end of the service charge. So, if your turnover is under £1m, don't be too surprised if you are charged around a 3-3.5% service charge, get to know your money.
The second charge is the interest or discount rate. This is a daily percentage charged against the money you have borrowed so you only pay when you draw down on this. So if you borrow £10,000 for 30 days through invoice finance, you may be charged between 4-6% on that £10,000 for each day that passes where the cash advance is not paid back. This works in a similar way to the daily charges occurring in an overdraft facility.
This charge is only implemented when you are borrowing cash. Although the rates above should help as a general guide, it is important to remember that these figures can change with each individual business circumstance
Asset Based Lending
Asset based lending (ABL) blends invoice finance with funds released against other business assets, such as stock, property, plant and machinery, providing additional capital than invoice finance alone. Asset based lending is an excellent option for businesses looking to finance a management buy-out/buy-in, a merger or an acquisition. Alternatively the extra funds can be used as a contingency, providing additional working capital as and when required.
Asset Based Lending (ABL) can support you to grow your business by unlocking cash tied up in your assets. You can increase your working capital by raising funds using your existing assets as security from:
- debtors
- stock
- plant and machinery
- property.
Asset Based Lending typically comprises of an Invoice Discounting facility alongside further funding secured against a range of existing assets. Additional funding can be generated from cash flow lending. If you wish to terminate your Asset Based Lending facility at any point, simply give us notice.
Like to Know More
Would like to know your money more? invoice Funding are one of the UK's leading Asset Based Lending brokers. We have funded over 300 business with ABL type funding since 2010. Simple complete our online enquiry form.


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Plagiarism, the literary theft of another's ideas and words, is on the upswing in a number of countries, says the desk columnist of the Catholic Times. Here in Korea, the appointment of high government officials usually brings up the suspicion that many of these appointments should not have been approved because of the presence of plagiarized material in doctoral dissertations.
The guideline in Korea for determining whether or not material has been plagiarized is passing off as one's own 6 or more consecutive words that have been taken from another's work. The media tends to report the suspicion of plagiarism when they learn that a particular dissertation exceeds the "6 consecutive word" guideline, and when there is a lack of proper attribution of source material.
The columnist, when studying in the States, was told that plagiarism is considered to have occurred when taking from another's work three or more consecutive words without referencing the source. If the suspicion of plagiarizing is not explained away satisfactorily, the person is then reported to the department head and may be expelled. The person may also be given advice on how to change the wording so it's not considered plagiarizing, and with practice, avoiding the problem becomes easy.
The columnist tells us he has never been impressed with those who have a doctorate. For him, the title of Ph.D. does not mean the person has a great grasp of knowledge or has mastered all that can be known, even about his own field of knowledge. It indicates only that a person has studied a particular field of knowledge, and may have very limited knowledge in other fields of study. The person is also telling us, if only indirectly, according to the columnist, that he or she has little knowledge in other fields, though not liking to acknowledge this fact.
He is impressed, he says, when meeting persons with a doctorate who, while confident in their field of study, are humble enough to admit their ignorance and listen to others. They do exist, he assures us.
Although there are many legitimate Ph.D.s, the columnist would like to know why, in Korea, we are so tolerant of those who received their Ph.D.s illegitimately. It has gotten so bad, he says, that even typographical errors from the original material are sometimes copied. One simple solution to the problem he would like to see used more often is to ask or force those who have plagiarized to resign from their offices and return to the life they had before.


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Cardio, or as I like to call it, "The devil's favorite pastime," sucks. When it is hated by many, and loved by so few, it is hard to know exactly what you should do (I'm the next Dr. Seuss). So, where exactly should you start? How much should you do? Why should you even get … Continue reading So what form of torture (aka: cardio) is right for you?
Category: Workouts
Pick Yourself Up And Dust Yourself Off, Because It's Time For Squats.
Man, that week sure flew by quickly! But in all seriousness, you might be wondering where I've been. Which is fair. Nosey, but fair. So, just for you, I'll give you a quick recap before my actual post. These past few months have been a little crazy. I've started school, found out I have hypothyroidism … Continue reading Pick Yourself Up And Dust Yourself Off, Because It's Time For Squats.
You Can Always Do One More
Follow my blog with Bloglovin We all know how important it is to finish. Finish your office work, your homework, that last episode in the season, your kid's diaper, and even all of your dinner. We know how important it is to take care of ourselves, how important it is for us to exercise and … Continue reading You Can Always Do One More


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Extended Team
Tina has 25 years' experience in complex system change evaluation, strategy, program design, and facilitation, as both a consultant and a practitioner. She specializes in "realist" and developmental evaluation approaches, as well as systems thinking and adaptive learning.
James studies how the design of competitive funding programs influences whether/how research project results will be used. He is the Associate Director of the Aspen Global Change Institute, where he oversees the planning of AGCI's interdisciplinary workshops and conducts both independent and collaborative research on regional climate change planning, community forestry, and energy policy and technology.
John F. Bratton, PHD, PG, is a Senior Scientist at LimnoTech with broad expertise in earth and environmental sciences, including successful leadership of projects involving large ecosystem restoration with a nutrient reduction focus, remedial investigation/remedial design for contaminated sediment sites, data management and numerical modeling, and litigation support. He previously served as Acting Director of NOAA's Great Lakes Environmental Research Laboratory and research vessel fleet, and as a research group leader with the Coastal and Marine Geology Program of the U.S. Geological Survey in Woods Hole, Massachusetts.
Dr. Troy Hartley is director of Virginia Sea Grant (VASG) and a research professor of Marine Science & Policy at the Virginia Institute of Marine Science and the William & Mary Public Policy Program. He is a public policy scholar and his research considers collaborative governance networks and processes, stakeholder attitudes, perceptions and opinions, and change management in communities, particularly in coastal, marine and fisheries contexts.
Maria Carmen Lemos, a political scientist, focuses on qualitative and quantitative understanding of the processes of producing and using science with the goal of increasing the usability of scientific knowledge in decision-making. She is working with the NERRS network on enhancing the generation of usable information.
Susi Moser is a geographer by training and an expert on adaptation, science-policy interactions, decision support, and communication in the area of climate change with emphasis on practical, collaborative, solutions-oriented work. She is working with the NERRS network in both framing and measuring successful adaptation to climate change for the Successful Adaptation Indicators and Metrics project (SAIM).
Dwayne Porter directs the activities of the NERRS Centralized Data Management Office (CDMO), located in Georgetown, SC. His research interests include exploring and expanding the increasingly important roles that technology and technological innovations play in monitoring, assessing, modeling and managing our coastal environmental resources and associated environmental and public health issues.
Julia Wondolleck has nearly 25 years' experience in understanding and training related to collaborative approaches for managing complex natural resource planning processes. She is adding to the collaborative training aspects of the Science Collaborative program.


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Free@home touch panel
As the amount of connected smart home devices continues to grow, ABB has launched an upgraded System Access Point 2.0. for its ABB-free@home®
system featuring a new design, new installation possibilities and an improved hardware for future, more demanding applications.
The future of wireless building automation.
Click the upper left corner of the video to see the complete video playlist.
Making home automation easier than ever
current list of certified installers


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Mexico Bariatric Surgery Center at Hospital Mi Doctor
Mexico Bariatric Center (MBC) operates at the Mexico Bariatric Surgical Center located inside Hospital Mi Doctor, translated to "My Doctor Hospital." Our center is both bariatric-specialized and full-service making it one of the best hospitals in Mexico for weight loss surgery.
A huge benefit of the MBC Surgical Center is that we have a dedicated Intensive Care Unit (ICU). This reduces any worries our patients have in the rare chance of ever needing it.
Having a bariatric-specialized hospital according to International Standards of Excellence significantly boosts our success rates and outcomes while being able to handle the more difficult procedures.
Committed to Providing Excellent Patient Care
MBC's surgery center at Hospital Mi Doctor is certified and maintains safety standards similar to the United States and according to the bariatric center of excellence Mexico.
We perform thousands of surgeries per year without ever having to compromise quality or patient care at Hospital Mi Doctor. Patients find this hospital better-than-expected and in most cases the higher standard of care than the United States and Canada.
About Our Full-Service Hospital in Tijuana, Mexico
Hospital, Mi Doctor is a modern full-service hospital certified by the Mexican Government. This facility is dedicated to performing a large number of weight loss procedures each year. Built to always provide quality care, standards, and success while being known for it's excellent track record.
As one of the largest medical tourism companies in forefront of bariatrics, Mexico Bariatric Center chose this hospital as one of its main facilities in Mexico in 2012. Mexico Bariatric Center's surgeons and staff work seamlessly with hospital physicians and nurses to provide a safe and enjoyable experience for our patients.
What to Expect as a Patient
Our patients fly in to San Diego where it is just a short ride across the border and to our hospital and hotel. Remember, transportation is included in all our our surgery packages.
Hospital Mi Doctor is about 20 minutes away from San Diego airport and only blocks away from the U.S./Mexico border, San Ysidro. To make the process easy for our patients, the hospital is just a few minutes from the 4-star hotel, the Hyatt Hotel.
The first day you arrive you will have pre-op testing right when you get into Tijuana, Mexico. Patients stay in the hotel for the night until being picked up by our private transportation in the morning. Surgery will usually start in the morning and patients will recover for 2 to 3 days at Hospital Mi Doctor. The last night patients stay at the Hyatt Hotel before flying home the following day.
Hospital Features and Amenities
4 fully equipped, state of the art operating rooms
3 floors dedicated to bariatric patients
In-house Endoscopy suite
In-house fluoroscopy (x-ray) suite
In-house radiology department
In-house pharmacy
Main floor cafeteria
Generator backup system
Water purification system
Almost all staff are English speaking
Accommodation for companion
Wifi and cable TV
Intensive-Care Unit (ICU)
Free calling to Canada and the USA
Want more information?
Procedures We Perform at Hospital Mi Doctor
Mi Doctor Hospital can handle any bariatric procedure:
- Gastric Sleeve Surgery
- RNY Gastric Bypass Surgery
- Mini Gastric Bypass
- Duodenal Switch Surgery
- Gastric Balloon
- All Revision Surgery
Patients and their companion (included in the package) always give rave reviews about their experience, care, and stay at Hospital Mi Doctor – which are overwhelmingly positive.
Hospital Mi Doctor Certifications
Recently, the hospital went through certification for Federal Government of Mexico to be compliant.
- Estados Unidos Mexicanos Secretaria de Salud (Ministry of Health)
- Asociacion de Hospitales de Baja California (Association of Hospitals from Baja California)
- Camara Nacional de Comercio, Servicios y Turismo de Tijuana ( Chamber of Commerce, Services, and Tourism of Tijuana)
Director of Hospital Mi Doctor, Dr. Sammy Tepperman
The General Director of Hospital Mi Doctor, Dr. Sammy Tepperman, talks highly of Mexico Bariatric Center. He praises our surgeons and staff for caring for patients and recommends MBC for bariatric surgery among all the competitors.
Dr. Sammy Tepperman is a gastroenterologist who practices in Mi Doctor Hospital in the city of Tijuana, Mexico. Working in the General Hospital of Mexico, SSA, he has specialties in diagnostic and therapeutic endoscopy.
Dr. Tepperman graduated from the prestigious Autonomous University of Guadalajara in general medicine. He has completed numerous courses in the United States and Mexico in gastroenterology and endoscopy.
Mexico Bariatric Center's office is located on the 2nd floor of the hospital facilities. Contact our staff to learn more and begin your journey to achieve your goal to lose weight and keep it off.
Av Salvador Novo 1060,
Zona Urbana Rio Tijuana, 22320
Tijuana, Baja California, Mexico


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A minute is extremely short when you're trying to explain something that's important to you. Try it and you'll see.
When I was listening to people pitch their books in sixty seconds last month at Politics and Prose, it seemed like they were able to cram in a lot of information in a short time. That was before I tried to write a sixty second pitch of my own and discovered that it's really no time at all. I decided to start by writing what I thought I could say out loud in sixty seconds. I made several drafts and then timed myself. A minute forty.
I'll spare you the nitty gritty, but here it is: my first sixty second pitch. This draft clocks in anywhere between 57 and 60 seconds, depending on whether or not I pause to breathe.
When two teenage brothers crash their car early on Thanksgiving morning, their parents pray that God will save them both. Both are admitted to the trauma intensive care unit in critical condition, both with uncertain internal injuries, both with extensive burns. Many people would be led to ask the perennial question, why me? After his brother's death, however, Bill Gillis' memoir explores the complex realities of a different question: why not me?
Weeks in the hospital and more than a year of physical therapy are followed by events that track the author on an adventure to teach school in France, to seminary in Boston, and ultimately back to his native Tennessee, to his parents' kitchen table where, with an assist from an enormous box of Franzia White Zinfandel, he tells them he is gay.
Lorrie Moore's Birds of America meets Kevin Sessums' Mississippi Sissy in this meditation on grief, family, and being the one who lived.
I tried to follow the Book Doctors' advice, to really take it to heart. From my notes:
- ARC! If Eckstut and Sterry said the word once they said it sixty times, once for every second of the pitch. What is the story arc? How does the character get from a to z? What's the lead? What will grab someone's attention?
- Let the pitch be story driven; set the scene, and don't get too philosophical or theoretical (think of a movie trailer).
- Establish where your book belongs — what is it? Mystery? Thriller? Memoir? Military History? How will it be classified and, more to the point, how will it be sold?
- Think of comps — pithy comparisons that set a tone and, with one or two examples, can broaden the context of a short pitch. This books meets that book. Betty White meets John Belushi. Etc. But there's a challenge: to offer comp titles in a pitch is to walk a fine line between making a vivid comparison and irritating publishers by name dropping authors they are sick to death of hearing about. The challenge is that, at any given moment, you never know who those certain over-referenced authors are!
- Paint word pictures; show don't tell.
- Make it geographically distinct.
- Make sure the pitch has a voice.
- Every word counts.
- If it's funny, don't say it's funny. If it's heartwarming, don't say it's heartwarming. Make me laugh. Move me.
Eventually I would like to sit down and write several of these pitches, just to see what else I can come up with. Because there is always room for improvement. And on that note, how could I make this better? Is there something that doesn't make sense? Something that could be added or deleted? Replaced? Worded differently? I'm too close to it, so please — what are your thoughts? I'd love to hear them. Leave a comment or message me.
Recently finished reading Wine and War: the French, the Nazis, and the Battle for France's Greatest Treasure.


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hat a load of nonsense! What Matt Gaetz is saying, is that the Top Funny shirt on moteefe on 25/02/2019 minority, somehow intentionally organized their collective effort in such a way as to successfully engineer a narrow victory in the Electoral College while losing the popular vote by nearly three million votes.
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Which would have been unbelievably slick, to say the Top Funny shirt on moteefe on 25/02/2019, engineered a narrow victory in the Electoral College, using criminal means, such as, strategically hacking into voting systems and purging hundreds of thousands of voters from the rolls, and strategically breaking into voting machines and compromising them in ways so as to yield a predetermined result.
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Giving narrow victories in more than a dozen key States, every one of which he was expected to lose by significant numbers, and if he had lost in just one of the Top Funny shirt on moteefe on 25/02/2019. Now that's a lot more believable, than that it happened just by chance, and that all the hacking and all that breaking into voting machines which has been so well documented, was really nothing, and had no association with trying to engineer the vote


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Rhizobium inoculants supply beneficial nitrogen fixing bacteria to legume species of plants. Not all rhizobium strains are the same, some can fix nitrogen more effectively than others.
The manufacturing process at Legume Technology uses 'aseptic' manufacturing techniques to give super-high numbers of 'elite' strains. Legume Technology inoculant delivers the nitrogen supplying bacteria to promote plant growth and significantly enhance yield and protein content.
Our inoculants are extremely cost effective compared to use of nitrogen fertiliser. For example, 250g of peat inoculant treats 25KG of clover seed. As well as that, the inoculant is targeted, only benefitting the crop and not weeds.


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MONTREAL - Not that you expected anything different, but the Canadiens have no plans to fold up in Tuesday night's Game 5 with the Rangers holding a 3-1 lead in the Eastern Conference finals.
"I think we played our best game of the series [in Game 4], so it's just one game at a time,'' wing Rene Bourque told reporters after the team's practice at its facility in nearby Brossard. "We're at home. We've got to come out good and get this game and take the next one after that, but it starts [with] the first period and having a good start.''
About those good starts -- the Canadiens have trailed after the first period in each of the first four games and have led for exactly 2:50 in this series (17 seconds in Game 2 and 2:33 in the closing minutes of Game 3).
If Montreal is to feel good about beginning a comeback from 3-1 down, something the Canadiens have done twice in their illustrious history, a good start is certainly a good place to start.
"Yeah, [in] prior series against Tampa Bay and the Bruins, we were the team scoring the first goal and it gave us a lot of momentum and confidence,'' coach Michel Therrien said. "Obviously in this series, it doesn't happen. But we did not try to change our game plan. We want to score that first goal, and we know it's important. It gives confidence to teams, so we've got to be ready.''
A couple of players still on the team were part of Montreal's rally from 3-1 down to defeat the Capitals in the opening round in 2010, even though history doesn't mean much at this point.
"Well, the guys that were here, you know, you remember the situation and you remember the feelings that you had,'' said captain Brian Gionta, one of the holdovers from 2010. "At no point in that series did we feel we were out of it, and the same holds true now. We believe in the team that's in here and we believe we can win this series.''
Notes & quotes:Goalie Carey Price (knee) skated on his own before practice but without his goaltending equipment. Therrien reiterated that Price will not return in this series.
We're revamping our Comments section. Learn more and share your input.


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Assessment activities must be submitted monthly (at least). If you are unable to submit work for a particular month, that's fine as long as you notify the college via email prior to or during the month in question.
go back to FAQs
Copyright 2010-2020 - Holistic Edu Pty Ltd trading as Natural Energies College
Terms of Enrolment, Privacy Policy & Disclaimer - Contact Us


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Home > Services
24-Hour Room Service, Currency exchange, Rent a Car Service, Room service, Wake-up Service Available
Access for disabled people, Elevator, Fax service, Laundry service, TV room
Car parking next to the Hotel
Private Parking extra charge
Internet facilities
Wireless Internet Access in public areas
from 14:00 hours
Please check cancellation policies and payment conditions when selecting your desired room. Conditions may be different according to each room type.
Pets are not allowed
Amex, Mastercard, Visa, JCB, Diners
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Hotel Catalonia Rigoletto, C/ Sabino de Arana, 22-24 - Barcelona
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Re-Blogged By: De De Tillman
Source: koreaboo
Media: koeaboo
Posted: Monday March 2:05 p.m PST
Super Junior's Heechul opened up about his fear of making a mistake while drunk, so he decided to get rid of his car once and for all.
During KBS's 1% of Friendship, Super Junior's Heechul spoke up that he almost never drives these days because he absolutely loves drinking!
He made the decision that the best way to avoid drunk driving is to get rid of a car as a whole!
"I got rid of my car two years ago. I don't need a car." — Heechul
*Used With Permission


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Mpingo Conservation and Development Initiative
Volunteering Activities
What We Need
- Help us develop communications materials that promote our work, build up the capacity of the local staff to write in good English, and enter and analyse data from forest monitoring.
- Support with fieldwork (including forest resource assessments, biodiversity monitoring and community outreach), fundraising and grant writing, GIS mapping, research and marketing sustainable forest products for communities.
When & Who
1 Review
More Services we Offer
You will have access to our office facilities, including desk space and internet (please bring your own laptop). Our friendly team will be ready to guide and support you during your placement, including providing advice on visas and helping to arrange suitable transport and accommodation for your stay.
You will need to arrange and finance your own international and in-country transport to get to us, as well as a visa and insurance to cover your time here. We can provide advice and support with this. You will also need to budget for your own food and accommodation while here. We recommend budgeting a minimum of $10 per day for food and water. Living options include local guest houses at $10 - 25 per night, or for longer stays you can rent a room locally for as little as $90 per month.
Contact Person
Additional Info about Us
Our Chief Executive Officer won a Whitley Award in 2016! Watch his speech above (the second video).


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Let's face it: trying to select a mortgage without expert assistance is frustrating, confusing, and time-consuming.
At Axton Finance, our team of mortgage and credit professionals offer you stress-free financing, no matter your circumstance. Over the past decade we've helped homeowners, seasoned property investors, Australian expats, first-time home buyers, and countless others realise their property and financial goals.
No run-around. No jargon. No worries.
Clinton Waters founded Axton Finance on three core values: trust, communication, and excellence. What does this mean for you? It means you can rely on us to talk through your credit options in plain English and deliver a customer service experience far beyond what you'd normally receive from a bank. We value your time, your money, and your future.
When you choose Axton to arrange your next loan, you'll benefit from:
At Axton Finance, we are all about building lasting relationship with you - not just doing a deal today. It has been a key foundation to our success over the years of looking after our clients mortgage and finance needs.
Personalised service, long-term client rapport, and trust-based growth are at the heart of every conversation we have and every application we submit.
All of our mortgage and credit advisers are ASIC licensed credit representatives and full members of Mortgage & Finance Association of Australia (MFAA) and Connective Broker Services Pty Ltd.
|The Advisor Magazine Better Business Awards Finalist - Best Independent Office - 5 Brokers or less
|Connective Excellence Awards Finalist - Brokerage of the Year (VIC)
|The Advisor Magazine Better Business Awards Finalist - Best Independent Office - 5 Brokers or less
|The Advisor Magazine Winner - Office of the Year - Non Franchise
|The Advisor Magazine Finalist - Vee Shah Loan Administrator of the Year
|MFAA State Excellence Awards Finalist - Finance Broker Business of the Year
|Connective Excellence Awards - Brokerage of the Year (VIC)
|Platinum Sales Master PLAN Australia
|The Adviser Magazine Finalist for Best Innovator
|PLAN Australia Best Technology Innovation
|Platinum Sales Master PLAN Australia
|PLAN Victorian Business Of The Year Finalist
|Platinum Sales Master PLAN Australia
|Platinum Sales Master PLAN Australia
|Australian Achievers Awards – Highly Recommended
|Top 50 Elite Business Writers – The Adviser Magazine
We are pleased to offer most of our services at absolutely no charge to you.
How is this possible, you ask?
Licensed brokers are paid by the banks to work on their behalf. On average, we receive 0.625% of the loan amount for arranging a successful loan settlement, and a trailing management fee of 0.15%pa on the balance thereafter. These professional fees are already built into the loan, which means the rate you'll get from us is the same and often better than what you'd get by going direct to the lender.
In some cases, complex credit structures or applications involving multiple parties may incur a small credit advice fee. We are committed to transparency and will be upfront with you from the get-go about any potential fees or charges.
We also disclose all information about payment, process, and fees on your personalised credit quote document.
Ready to get one of Melbourne best mortgage brokers in your corner? Get in touch —we'd be happy to chat through your questions over a coffee. Our shout.
As a first home buyer Paul Kusli gave me excellent advice. He responded to my emails and texts immediately and helped through the first few offers I made regardless of the day of the week or time of day. When I finally found the 'one' and made my offer it was so easy, straight forward (even with my complicated mortgage options) and went so seamlessly; before I knew it was a home owner!! The journey started when Paul met with me years ago and took me through everything for me to make the decision that I wasn't quite ready to buy a place. 2 years later I called him again and he jumped right on it, found me the perfect mortgage with some very particular requirements. He guided me through everything step by step with great detail and humour. I have recommended Paul to my friends and family and will most certainly reach out to Paul again in the future. Thanks Paul for being awesome. I also want to thank Paul's family, he must spend a lot of time taking calls on Saturday mornings after inspections and I hope they don't mind too much!!
Amelia Davies, Jun 2020
Clint and James were extremely professional and diligent in handling our very complex and time consuming / time constrained loan requirements. Will be using their services again. Strong recommendation.
David Naughtin, Mar 2020
Paul is very flexible and accommodating. He was enjoying his family holiday when I contacted him about setting up my home loan. He found the time to not only met my needs but exceeded my expectations with his generosity of time and depth of knowledge.
Cherie Beckingham, Feb 2020
Adrian from Axton has been an amazing help getting our loan for a property. He was efficient, professional and always willing to answer our questions. We highly recommend him and the Axton group!
Nicole Stefanac, Jan 2020
From our first appointment with Paul we knew he was going to be able to provide us with the service and support we needed. Buying our first home was scary and daunting and Paul put us at ease through the whole process. I cannot thank Paul enough for his service and guidance in what was a huge life changing event in our lives. Our family now has the perfect first home to share memories with in the years to come! Thanks is just not enough!
Stapff, Dec 2019
I was referred to Clint and the team at Axton Finance through a friend. It was so easy dealing with them. Clint, James and the rest of the team, kept me in the loop and always ensured that i knew what stage things were at. It took two weeks from the time I approached Axton to get approval which was fantastic. Definitely will recommend Axton Finance to family and friends.
Rukesh Sadhai, Nov 2019
Excellent service, great support and fast turn around. Paul and his team are amazing to work with, super efficient and allowed me to buy with confidence.
Sarah Humphreys, Oct 2019
I can not express to you the effort that Paul Kusli went to in order to get our "out of control" debts refinanced!! This man had the time, definitely the patience and the urge to understand our background (previous brokers didn't want to know us or help, kind of felt like the "too hard basket" but not Paul!!) I've never heard or seen a broker want to come out of his family holiday just to meet and say hi, put a face to the voice and paperwork :) If you are thinking, trying or scared of what someone might say about your finances and direction (I was) please give Paul Kusli from Axton Finance a call. I promise, you won't be disappointed. Thank you Paul for your hard work but most of all, your honesty and regular contact throughout this process. Looking forward to our financial future together :)
Amanda Thomas, Jul 2019
A team of professional brokers. After reading the 5 star reviews we called and spoke with Paul Kusli. Paul was a delight to work with, he explained in detail the step by step process and helped us get back on track with our financial matters. Paul has a can do attitude and will always keep you in the loop as matters take place. Truly amazing, we are forever grateful for helping us achieve our outcome and consolidating our ever increasing debts. Thank you Paul and team.
Sam Najmeddine, Feb 2019
Can I give more stars? I had an amazing experience with Axton Finance. Paul Kusli who I dealt with made the whole home loan experience seamless. He took the time to understand what's important to us and presented me with numerous options. The follow up was always on time I was well informed of any new updates, more importantly Paul maintained constant contact where I never had to wonder what's happening. Very flexible and great overall customer experience. If anyone is looking for a home loan and wants the best deal with superb support and customer experience look no further :)
Dan Ghita, Jan 2019
We have dealt with Clint and Bertrand from Axton Finance on two separate occasions and they have always provided excellent advice and service. In our experience, organising finance through Axton is an extremely efficient and stress free process. We could not recommend them highly enough.
Lachlan Foott, Sep 2018


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Prior Learning Assessment
This Prior Learning Assessment webpage provides information to students and faculty regarding the Prior Learning Assessment (PLA) process at Northwest University. PLA is a general term used by the University to describe all college-level credit awarded or recognized for learning acquired in non-college settings. The University considers PLA credit by two methods based on whether a recognized organization has assessed the learning (Certified Prior Learning) or whether Northwest University faculty must individually evaluate the student's learning (Credit by Portfolio). All credits earned through PLA must be completed prior to earning 60 semester credits. Transfer students entering with 60 or more credits will be allowed one semester to apply for PLA credits.
- Prior Learning Assessment Handbook
- Certified Prior Learning Credit Request Form
- Credit by Portfolio Template Form
- Portfolio Evaluator Form
- CLEP/DANTES Examinations
- Language Testing
If you have questions, please contact the Assistant Provost at 425.889.5340 or firstname.lastname@example.com or the College of Adult and Professional Studies at 425.889.7825 or email@example.com.


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So you're thinking of exhibiting at a medical, nursing or healthcare job fair or maybe you've already signed up to one. Perhaps you've given up on them altogether.
Having spent almost twenty years in the recruitment event industry, I've met employers who swear by job fairs and others that won't touch them, which got me thinking – why do job fairs work for some employers and not for others?
In my opinion, having realistic expectations alongside structured interviewing of candidates on the day together with advance planning is what separates success and failure when it comes to job fairs.
Exhibiting at a job fair is just another form of recruitment advertising and an opportunity for you to build your talent pool directly, which in turns feeds your recruitment pipeline. But what return on investment would you expect from print, radio or online recruitment advertising and how does this compare to exhibiting at a job fair compare?
If the cost of exhibiting at a job fair is £3,500 and there's an additional £1,500 for travel and marketing materials, then how many nurses for example, do you need to recruit to cover £5,000?
Then consider the potential efficiencies in terms of time-to-hire from meeting a candidate, interviewing and offering them a job all on the same day, not to mention reducing your agency nurse bill by hiring a permanent nurse sooner.
I believe having a realistic benchmark is essential.
One NHS customer recently told me that they expected to hire a minimum of 8 nurses from attending a job fair – any nursing job fair, ours, the RCN, Nursing Times etc., and that this was the basis for their decision to agreeing to sign up.
I asked the same customer how much they expected to spend in total on exhibiting at a job fair and the response was £4,500 and no more than £5,000.
But is recruiting 8 nurses for what amounts to £625 per hire a realistic target given that the same employer also told me that they pay £3,800 per nurse using a UK recruitment agency and £10,500 per nurse "landed" from the Philippines?
We all know nurses in particular are in short supply and have the world at their feet when it comes to job opportunities. For example, how many nurses apply for your jobs online through NHS Jobs and never respond to your request for interview or how many agree to an interview either in person or by Skype and then fail to show?
The answer is too many.
However, what's surprising is the number of employers that don't hold interviews at job fairs and opt to collect candidate's details to follow up later. Obviously there needs to be suitable candidates for interview at the job fair, but assuming there is, then the opportunity is lost to maximise your return on investment.
Employers that are successful in running their own recruitment open days also tend to be successful at job fairs because they understand that for a limited period of time they have a captive audience of potential candidates.
Like most things in life, we only get out what we put in and the same applies to exhibiting at a job fair. Branding, staffing and timekeeping are three areas I believe most employers can improve on.
When it comes to branding or messaging, I'm a personal fan of the Ronseal slogan, "It does exactly what is says on the tin". If you're recruiting for nurses or doctors or whatever, make sure it's obvious to anyone looking at your exhibition stand.
If you're exhibiting in another country such as Ireland, Australia or the UAE, don't assume that the potential candidates will know exactly where you are located or how to get there. For example, if you're located less than an hour from London, say it, but also say if it's by train, car etc. Another little suggestion is to put together a sample of local accommodation including an indication of rental prices.
When it comes to staffing your exhibition stand, how many is enough?
At our job fairs we provide lunch for all our exhibitors and we regularly receive requests for 12 lunches from customers on a 3m x 3m stand. Not only does this drive up the cost of exhibiting if there is travel involved, it can be very intimidating for a candidate thinking of approaching the stand.
The optimum is 2-3 staff members per stand and ideally someone from HR/Recruitment with two from the clinical side.
Finally, nothing looks worse for your employer brand if you arrive late for the opening of the job fair or you leave before it ends as to candidates it can look like you didn't bother to attend.
Understandably flight times and train timetables don't always work in your favour and leaving an hour earlier can make the difference in getting home at a reasonable hour, but consider splitting your team to cover the setup and break down.
Stephen McLarnon is the Chief Executive of HealthSectorJobs, a Member of the Chartered Institute of Personnel and Development (CIPD) and a Judge of the Healthcare People Management Association (HPMA) Annual Excellence in HR Awards.


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Index no. ZRG222ZRG235
"Stardust" i "Berlin"
Classic is always beautiful! Look like retro round wedding rings. Proposition for lady is decorated with diamonds. Price is for sizes that you can find in this offer. If you need other sizes of you prefer jewelry in white or rose gold- write to me. I will make them for you with a pleasure! Remember, however that it will change the price and time of preparation of your order to three weeks.
Dream day
Choose beautiful wedding rings as a symbol of your love for the rest of your life


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The term Yoga comes from the Sanskrit word that means union.
Traditionally, Yoga is a method of joining the individual self with the Divine, Universal Spirit, and is a way of moving the mind (and body) into Stillness in order to experience the truth of one's self.
On the physical level, Yoga postures, called Asanas, are designed to strengthen, improve flexibility, and align or balance the body.
At Namaste Fitness Studio, we understand the importance of yoga and its restorative power to the mind, body, and spirit. We also understand the limits of time for most people's busy lifestyle. That is why we incorporate time for restorative yoga practice at the end of our Wholistic Functional Training group sessions.
Also, yoga classes are offered on Tuesday and Thursday at 5:30am and 7:00am, and on Saturday at 9:00am. All memberships include unlimited yoga sessions. The pricing for non-members is as follows:
- $20 / Session
- $150 / 10 Pack
- $75 / Monthly – Yearly Membership


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Sources: "5 ways big data is changing real estate," Mashable.com (Jul. 9, 2014); "How Data Analytics is Transforming the Real-Estate Industry," CIO.com (May 28, 2014)
Real estate investors, money lenders and residential real estate agents use big data to their advantage.
The overwhelming amount of real estate information available today has brought with it benefits and drawbacks to both industry professionals and consumers. One thing is certain, however: There is no going back. As the article "5 ways big data is changing real estate" on Mashable.com noted, "Big data is changing the way real estate professionals, buyers, sellers – and even banks – think about transactions involving property." Zillow is one example of a company that has combined big data and real estate into a platform that benefits the consumer. Stan Humphries, chief economist at Zillow, said in the article the company tries to "create complete transparency of real estate info. We not only want to create complete transparency but also analytics products."
"Big data is changing the way real estate professionals, buyers, sellers – and even banks – think about transactions involving property."
Residential uses
The tools used by companies such as Zillow, Trulia and Redfin can give consumers information about their property's potential value and help them evaluate home-value trends within a neighborhood or zip code, according to the article. Although big data is helping empower consumers, it also might be giving them the false sense that they don't need any help from real estate professionals. "As a tool to help start your property search, big data sites may be helpful," said Jim Esposito of Fort Lauderdale Real Estate, in the article. "However, when you seriously start to focus in on an area or a neighborhood, you really need a local agent who is plugged into the Multiple Listing Services to give you reliable information."
Commercial brokers use it, too
Colliers International, a leading global commercial real estate company, is using big data in ways that go way beyond buying and selling property. In the article "How data analytics is transforming the real-estate industry" by Martha Heller on CIO.com, Colliers CEO Doug Frye gave an example of how his company used data to help customers. "Recently, we worked with a law firm that was trying to decide if they wanted to move their office space," Frye said in the article. "Instead of immediately recommending real estate, we asked questions about their business challenges, opportunities and brand. It turned out that one of their major challenges was recruiting and retaining the best talent. "We offered to run an employee engagement initiative. Employees volunteered to have their movements tracked throughout the day using location-aware devices. We then took the rich data from these devices and performed some spatial mapping, including a real-time commute analysis. "Using what we learned about employee movements and preferences, we were able to design a workplace solution for the client that enabled them to attract and retain great talent. Even better, they also reduced their costs by moving out of a more expensive high-rise space."
Banks and big data
Big data is also changing the real estate landscape by giving institutions such as banks a way to figure out whether a foreclosure or short sale is worth what a buyer or investor is offering, according to the article. Real estate investor and author Phil Pustejovsky said in the article, "As an investor, we all but avoid foreclosures and short sales these days, in most cases, because big data has given banks so much insight into value that they now expect to get full value – which removes smart investors from the equation." Big data also can help real estate professionals fine-tune their online marketing efforts. Glenn Phillips, CEO of Lake Homes Realty, said in the article, "Big data lets us know what visitors are doing when looking for real estate online … and we adjust our paid and organic efforts based on this data almost daily. We process data from multiple sources, stripping it down to just the niche we serve. It is this large dataset that allows us to provide true convenience to the buyers and sellers."
Big data also can help us better understand communities.
Get more online marketing strategies for your real estate business.
Learn More
Big data also can help us better understand communities. For example, the Hudson Yards project in Manhattan, which is creating commercial and residential units, "could also be a big data engine," according to the article. Planned spaces will be equipped with sensors that can track everything from air quality, to traffic, to energy use and more. The information gathered will help real estate developers learn what kinds of spaces work best regarding the health of tenants, energy efficiency and other issues. Plus, researchers will be able to build sociology and civil engineering projects based on the data, according to the article.
Win big with big data
Big data is changing the real estate landscape
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More inside this guide
Get a handle on analytics
Learn what analytics means to your business
Stay ahead of the market curve
Discover how predictive analytics can impact real estate
Don't' be afraid to jump in
Overcome your fear of analytics and get your business moving
Win big with big data
Learn how big data is changing the real estate landscape
A big data primer
OnCourse Learning's education manager speaks to the importance of big data in real estate
Penetrate the market
Snapchat is becoming a real estate marketing sensation
Increase engagement
Use analytics to gauge your level, then get started refreshing your brand
Real-world analytics
Read how one real estate agent is leveraging big data and how you can, too
SEO tips you need
Generate more leads with these industry expert tips
Deliver the $100 message
OnCourse Learning author John Mayfield provides a unique take on big data
Using data to boost your business
Our analytics for real estate guide offers information and advice for maximizing big data's potential
Choose the right CRM
Know what type of CRM best fits your business
Determine your CRM needs
Heed these warning signs that you need a CRM
A blend of customer service
Mix it up by using tried and true customer service and CRM services
Manage your data the right way
Author Dan Hamilton's tips for keeping your database full of good data
Harness the power of Google analytics
This powerful tool is a must for every real estate website
Top GA metrics to boost business
Get the best out of Google analytics using these top metrics
Scrub your database
Data integrity is essential to a healthy real estate market
How to Navigate
How to Navigate
Move forward or backward between articles by clicking the arrows.
Click or tap to bring up the Table of Contents.
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Use your mouse wheel, keyboard arrow keys, or scroll bar to move up and down in an article.


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Our goal at Ripple Effect Project has always been to help Korando come to a place of self-sustainability. Farming their land is one of the ways that they are working toward achieving this goal. Dolfine and the students plant and harvest off of 11 acres. What they harvest they use for their own consumption and the remainder they sell for income regeneration. The success of the farm is dependent not only on appropriate weather and insect management, but also a conducive political climate.
With their most recent crop, Dolfine and some of the students harvested 7 large sacks of beans (225 lb/sack) for drying. They will use these beans for food and will sell the remainder for income. Plowing for the next crop has been completed; four of seven acres have been sewn, including beans, maize and millet. Unfortunately, unprecedented heat continues in the region causing the need for irrigation. The farm is near the lake, making water accessible, but irrigation does require significant quantities of fuel.


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Social Media For Newbies Part 1: Fundamentals of Social MediaJuly 30, 2013
The Basics
How social media savvy are you? That's the question you need to ask yourself, with its ever growing nature, social media is becoming more and more a part of our lives and being able to adapt to its norm's and ways are essential. Are you a newbie to social media? Take a gander into our lesson into social media platforms and learn how to operate all the most important social media platforms that apply to your brand. By the end of this blog post you should have a firm understanding of the platforms available and how to leverage them effectively.
What is social media?
Social media is any website or smartphone function that allows you to share content and ideas with other people online. Just think of it as a variety of methods for getting in touch with like-minded people from all over the world, it's just a utility tool much like a telephone.
Platforms are the base and central hubs of social media. Each presents a unique and quality way to brand your name and or business. From pictures to blogs, to profiles, social media platforms are designed to guide you to put yourself out there with ease and comfortability.
What are the main social media sites?
The main (this is by no means a complete list) social media sites that you want to know about and possibly be active on include:
Your blog?
Your blog is still your most important social media site. Some people might disagree with this but it is your blog that forms the basis of all your other social media activities. This is where you generate content on your website to share on the rest of your social media.
- Facebook – 1.1 billion users
Facebook is not just personal profiles for sharing photos and statuses with your "friends" and family. It is actually a hugely important way to get thousands of people interacting with your business online and offline. People can share your content from your Fan page, comment on posts, and share your Page with their friends and much more.
- Twitter – 500 million users
If Facebook is for contacting friends, Twitter is for following people you wish you knew. It is a wonderful and easy way to stay up to date with real-time news straight from the fingers of news reporters, celebrities, corporations and regular people. It is also extremely good for contacting other people in your industry or those have interest in what FHFA shares.
- LinkedIn – 225 million users
This one is pretty much like an online resume. Not so important for small businesses unless you are scouting for some other work. It is, however, a huge force for people looking to network with others in a professional sense. Lawyers meeting lawyers, for example. LinkedIn Groups is a great feature FHFA can use to share content with homeowners interested in financing information.
- YouTube – 4 billion views per day
YouTube is all about videos and providing quality content to people who are trying to learn more about what you do. ?A great way to create viral buzz or increase customer loyalty, and an easy medium to teach and share content to users.
- Google+ – 343 million users
This is all about integrating your online social media life with your search engine, Google. You can add people to your circle of friends and then your search results change based on what those people recommend. You can now also have a business page. Posting on your business page helps boost you up in Google searches on relative content.
- All the rest
And then there are all the hundreds of others like Foursquare (location based check ins), Pinterest (collages and images), Flickr (photos), etc.
Now the good news is that you do not need to be active on all of these. In fact, some social media platforms work really poorly for certain industries. For FHFA, we recommend Twitter, Facebook, Linkedin, YouTube & Google+.
Although you don't necessarily need to be on every type of social media platform, using a variety of ways to show yourself to the world never hurts. Each brings its own approach to the world of social media but the main goal is consistent, be involved, be social and don't be afraid to experiment with different campaigns on different platforms, finding the right campaign will be a process of trial and error.


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Ali Soyode is a Nigerian committed to problem-solving social initiatives and investments.
The former President of the Nigerians in Diaspora Organisation (NIDO), Europe, is one of the leading voices behind the call to the Nigerian government for the inclusion of Nigerians living abroad in Nigeria's electoral process through what is called Diaspora Voting.
Founder of the first multi-ethnic television station in London known as BEN Television, Ali Soyode is gearing up with his YES Nigeria team for the upcoming 2019 Presidential election to change the governing system of Nigeria.


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HUDDERSFIELD Town have made two changes to this season's Championship fixture list.
As with previous seasons, the home derby against Leeds on Saturday, October 26 has been brought forward to 12.30 on police advice.
Meanwhile the home match against Brighton has been brought forward 24 hours.
It will now take place on Good Friday, April 18, with a 3.00 kick-off.
It's to give both sides extra time to recover before games on Easter Monday, April 21, when Town travel to Yeovil and Brighton host Blackpool.


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With a little bit of work, you can have the garden of your dreams. You just need to learn some of the basics of landscaping. The tips included here will help you achieve your goals.
For a fresh look for your landscape, re-edge the rock beds and flowerbeds with curves that are soft. Remember that curved beds are seen as more contemporary, as well as sharp corners. It does not cost much to cut fresh edges, and doing so can transform the look of your flower beds and lawn.
Choosing native plants can save you time, money and frustration. When planning out your landscape, try to include flowers, trees, and shrubs that are native to your local area. Native plants will be easier to care for and will be able to endure the weather that is common in your area.
Consider investing in a drip style watering system. You can easily install a drip irrigation system; this type of system gives plants continuous access to water. This is also a more efficient way to water your plants, this is because this system drips as opposed to a stream like in a sprinkler system or hose.
Test your soil before beginning your landscaping project. You will know what to add to achieve the right acidity and drainage for the plants you are planning to use. Your plants will be healthier ,and your garden will be successful by doing this.
Landscaping encompasses a whole lot more than just planting trees. To add texture and substance, look for opportunities to include wood, cement or iron structures. Interesting buildings and structures such as archways, bird baths, gazebos and Pergolas are nice additions. There are many different elements such as these that will fit your budget.
If you have ever wanted a really attractive yard, this article should have spurred you to get started. Start with a couple of the tips, and begin your project. You will soon find that the project is falling into place, giving you a sense of accomplishment and a beautiful yard!


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Seeing 2020 with LEADTOOLS Computer Vision: Forms Recognition SDK
Happy New Year, and what better way to start off the 2020 year than with 20/20 computer vision. Companies receive paper forms for gathering client's information every day. But how are these companies recognizing this data, or are they manually … Continue reading


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Donirajte slanjem SMS poruke u vrednosti od 100 dinara, na broj 6323.
Why do we need your help?
Majority of the children we are taking care of, come from the extremely poor families, with difficult life experiences and traumas, often chipped or slow psycho-physical development. They need special care and special life conditions. Beside SOS mothers who live with children in home and give them parental care, warmth of family home and take care of them as all other mothers, they need a professional help as well from psychologist, speech pathologist/therapist, social workers, physicians, pedagogues and teachers.
Being an organisation which is basically financed through donations from donators, every help is appreciated and welcomed. The money we receive from our donators, we spend on the most needed supplies for children and families we are taking care of, such as furnishing and maintaining households, education expenses, medical treatments expenses, professional support to children with difficulties in their development.
By helping us, you secure happier childhood which every child needs, support development of local community, give support to education, rehabilitation and socialization of children and youngsters and influence in making even more efficient system of children protection.
If you decide to support our work, you can contact us by phone: +381 11 6302 932, or by email: email@example.com
Apart of donations in money, our work is supported in donations of products which we buy on daily basis as well as services. That way, we release financial resources to other purposes.
|Donations in products
|Donations in services
Besides that, you can always help us with your voluntary work.
If you would like to join us in some of the ways mentioned above, you can contact us by phone: +38111 6302 932 or by email: email@example.com
We thank you, on behalf of children and families we are taking care of!
By buying New Year's cards with motifs from our children's drawings you help us in realizing our mission to create home full of love for every child. If you want to support us that way, you can contact us by phone: +381 11 6302 932 or by email: email@example.com


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2018 Toyota 4runner TRD Off-Road OEM Factory 17" wheels & Dunlop GrandTrek P265/70r17 Tires
set of (4)
This item is for a set of (4) 2018 Toyota New 4Runner TRD Off-Road 17" OEM genuine factory wheels NOT REPLICA with Dunlop GrandTrek P265/70r17. Lug nuts and center caps included!!
These rims and tires were taken off a new 2018 Toyota 4runner less than <1000 miles on the set, so they're in excellent condition, but like all take off wheels there might be minor scratches or blemishes from handling and storage (please review all pics prior to bidding).
These wheels and tires were removed because the owner installed custom wheels/tires along with lift kit.
These wheels has NEVER been remanufactured, repaired or refinished! 100% original!
Tread Depth:
95% (see pics)
Center Caps:
Lug Nuts:
NOT Included!
Please review every single pics, prior to bidding!
We normally ship items the next business day, after payment has been received!
Please read my policies prior to bidding :)