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Codes of Practice
Codes of practice set standards of good industry practice for financial services providers when dealing with people who are, or who may become, individual or small business customers in areas relating to:
- service provision
- standards of professional conduct
- practice standards, and
- ethical behaviour.
The Code Compliance and Monitoring team (Code Team) is a separately operated and funded business unit of the Financial Ombudsman Service. We support independent Committees to monitor compliance with codes of practice in the Australian financial services industry to achieve service standards people can trust.
Our aim is to support financial services providers to:
- strengthen relationships with their customers
- improve complaints handling, and
- reduce the number of customer disputes through improved service delivery.
We administer the:
- Code of Banking Practice,
- General Insurance Code of Practice,
- Insurance Brokers Code of Practice,
- Customer Owned Banking Code of Practice, and
- Life Insurance Code of Practice.
Download our Code of Practice Toolkit flyer for a summary of the key obligations covered by these codes.
More than 600 financial services providers voluntarily subscribe to one of the five codes we administer. Most of these organisations are also FOS members.
To find out if your financial services provider subscribes to one of these codes, check the code subscriber registers for the life insurance, general insurance, banking or customer owned banking industries.
For a list of insurance brokers who subscribe to the Insurance Brokers Code of Practice (as at 30 June 2014), see Appendix A in the Insurance Brokers Code Compliance Committee 2013–14 Annual Report.
All five codes are monitored by independent Code Compliance Committees. On behalf of these Committees we:
- conduct code monitoring activities
- investigate alleged code breaches, and
- share experiences of good industry practice.
Each code sets out individual rights for consumers, including to lodge a complaint that a financial services provider may not have met their obligations under their industry's code.
Investigating these type of concerns helps us to monitor financial services providers' compliance, and support them to remedy breaches of the code.
We do not:
- provide compensation to consumers – decisions awarding compensation are not made by the Code Compliance Committees or the Code Team, but can be made by bodies such as the Financial Ombudsman Service (via its dispute resolution process), courts and tribunals; or
- issue fines or penalties – that is the role of regulators such as the Australian Securities and Investments Commission.
We offer training for financial services providers and consumer representatives on the role and function of Code Compliance Committees, including how they monitor and investigate code breaches. Contact us for details.
The Code Team's role is to ensure financial services providers comply with their industry's code of practice. We do not provide compensation. If you are seeking compensation, talk to your financial services provider or lodge a dispute with the Financial Ombudsman Service.
If you believe a financial services provider may have breached one of the codes of practice we administer, you can report your concern to the Code Team.
Before contacting us, please check your financial services provider is a code subscriber by consulting registers for the life insurance, general insurance, banking or customer owned banking industries. For a full list of insurance brokers who subscribe to the Insurance Brokers Code of Practice (as at 30 June 2014), see Appendix A in the Insurance Brokers Code Compliance Committee 2013–14 Annual Report.
To report your concern, email the Code Team or call 1800 367 287 and ask to speak with the Code Team Investigations Manager.
More information
Code of Banking Practice
General Insurance Code of Practice
Insurance Brokers Code of Practice
Customer Owned Banking Code of Practice
Life Insurance Code of Practice


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This week's marketing tip: Get clear on your ideal customer by answering the following three questions: 1) What is their #1 business challenge; 2) Where do they go for business information (i.e. Twitter or their local paper); 3) What is their #1 goal for 2016. Write down your answers, identify three businesses that fit your ideal customer, and create a marketing plan to attract them. Not sure where to start with your marketing plan? Keep reading.
At the end of every year, I reflect on my accomplishments and areas of improvement. I choose one full day to turn off all of my electronics---no social media, no email, no phone---to sit outside in nature with my journal.
Last year, I headed to my local rose garden to meditate and plan how I wanted my business to perform in 2015. While I was happy with my accomplishments in 2014, there were a lot of areas that I wanted to improve.
My focus: How do I increase my revenue in a way that still allows me to live my free lifestyle?
I decided to diversify my revenue streams and offer business strategy services.
You may refer to this as outsourced CFO services for your practice or business development offerings or consulting. Whichever you decide to name it, it should be a high end offering.
This higher end offering should be created to generate large amounts of income without without straining you or staff's hours. How do you that? Create a service that is specific to your firm's expertise.
For example: If you are an expert in the craft brewery business (a market that is BOOMING), identify businesses within that niche and offer CFO-related services that specifically address their unique challenges. If you work with design agencies, which generally have cash flow challenges, create a service that helps them reduce their aging A/R and restructure their pricing in order to improve their cash flow.
Once you have identified your ideal client, designed your high-end offering, you need to find a way to effectively market it. And the most efficient way to do this is social media.
In my business, I am an expert in connecting companies within the financial industry to millennials and women business owners. Here are the three ways I used social media to land one $18,000 client. You'll laugh at how easy it is.
- Create original blog content and promote it through social media.
- Connect with journalists through (you guessed it!) social media to feature your company.
- Engage with your identified ideal clients through (ding ding ding!) social media.
Depending upon your business, the social media channel you choose will differ. It all depends upon which clients you are trying to attract and which platform best demonstrates your expertise. In my work, Twitter and LinkedIn are my preferred channels.
Your challenge this week: Refine your high-end service offering. Is it an outsourced CFO offering, technology integration service or business development consulting? Determine who your ideal client is, identify three companies that fit the description, and create your social media marketing plan. When you are done, let me know in the comments below.
If you get stuck, check out my "Create a marketing plan for your accounting practice in 7 days" workshop.
Cheers to your wealth and wellness,
Want me to review your marketing plan and give you my honest feedback? Click here to book your session.
Danetha Doe (@danethadoe) is a celebrity business strategist and recognized as one of the Top 40 under 40 accounting professionals by CPA Practice Advisor in 2015. For more business tips, click here to join her weekly newsletter.

subset: commoncrawl


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One of the most honest and assured teen dramas in recent memory, writer/director Stephen Chbosky's The Perks of Being a Wallflower feels in many ways like vintage John Hughes, only infused with a bit more substance and transplanted to the mid-'90s. Filled with expressive, well-rounded characters, directed with restraint but remarkable attention to detail, and possessing a distinctive sense of time and place that evokes nostalgia without wallowing in it, the movie portrays the universal truth of adolescence in a manner that speaks to multiple generations and possesses all the hallmarks of a contemporary teen classic.
Pittsburgh, PA: 1991. Smart and sensitive teen Charlie (Logan Lerman) is still grieving his best friend's suicide as he prepares for his first day of high school. As Charlie navigates the hallways and witnesses the torment of the freshman class at the hands of the cavalier seniors, he attempts to keep a low profile in English class. However, he quickly catches the attention of his teacher Mr. Anderson (Paul Rudd), who recognizes his passion for writing and literature. Eventually, Charlie works up the confidence to start a conversation with flamboyantly gay senior Patrick (Ezra Miller), who, along with his pretty stepsister Sam (Emma Watson), gradually begins to pull the sheepish freshman out of his shell and into their tightly knit social circle. But as Charlie's newfound companions prepare to graduate from high school, the memories of his best friend and a troubling event from his childhood weigh heavy on his conscience. And later, when Charlie commits a social faux pas that leaves him more isolated than ever before, his internal and external pressures threaten to become too much of a burden for one boy to carry.
From the opening scene of The Perks of Being a Wallflower, as Charlie pens a heartfelt letter to a "friend," making vague references to spending time in a hospital and expressing hopes that he won't "get bad again," the film establishes a deeply personal tone that endears us to the genuinely likeable protagonist. Charlie may be socially awkward and unable to express himself effectively, but we recognize that he's an inherently good person whose complicated and tragic past makes it difficult for him to establish the typical social bonds. We've all known people like Charlie, and Chbosky pens the familiar character with the kind of careful attention to detail that gives him an added dimension missing from the vast majority of teen dramas. Remarkably, that writing talent not only extends to the key supporting characters of Patrick and Sam (both wonderfully played by Miller and Watson, respectively), but even to such peripheral figures as Mr. Anderson, closeted jock Brad (Johnny Simmons), and angry Buddhist Mary Elizabeth (Mae Whitman) as well, creating a fully realized world that anyone who has ever attended high school will surely relate to. Meanwhile, the talented Melanie Lynskey makes a lasting impression in a small but crucial role, as does Dylan McDermott in his portrayal of Charlie's gruff yet loving father.
Despite all of this, it takes more than perceptive writing and solid performances to create a teen film with the power to affect more than just the demographic it portrays, and with the iconic (if not slightly heavy-handed) imagery of Patrick and Charlie cruising through a freeway tunnel in a pickup truck while Sam stands in the back, arms wide out, seemingly ready to embrace her uncertain future as David Bowie blasts out of the radio, Chbosky captures one of those elusive, transcendent moments that we all remember from our formative years. Accomplishing such a lofty goal without coming off as contrived or insipid is no simple task, but with a smart, skillfully constructed screenplay that treats its protagonists with genuine dignity and indelible performances by an accomplished cast, The Perks of Being a Wallflower is a deeply soulful drama that establishes its writer/director as a rising talent with an authentically compelling and distinctive voice.


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Imprisoned for racial incitement on Facebook? Only if you're an Arab
|Omar Shalabi, the secretary general of Fatah's Jerusalem branch to nine months in prison for using his personal Facebook account to incite violence and support terrorism against Israeli civilians.
group dominates another. There is a right to vote but it means nothing in terms of the right to equality of treatment of Israeli Arabs
One of the most fundamental aspects of any society that claims to be a democracy is equality in law. Of course in all capitalist societies the rich obtain an immunity that the poor don't have. In England if you are on social security and work at the same time you will be prosecuted and possibly be sent to prison whereas if you are a banker and stole millions you are more likely to be knighted.
There is also discrimination in terms of the law between Black and \White. Black people are more likely to be stopped by the Police and to be prosecuted in court and to receive heavier sentences. Nonetheless the system itself recognises this and there have been concerted efforts to redress the injustices that Black people face, from the Scarman to the MacPherson Inquiry. Even Home Secretary Theresa May, who is no liberal, recognises this.
Likewise working-class people face similar injustices as the Hillsborough Inquiry has recently found.
However in Israel there is absolutely no recognition even of the problem of discrimination against Israeli Arabs. On the contrary there is a determination, by all of the Zionist parties (bar Meretz) to continue the injustices and increase them. This is because Israel is a Jewish settler colonial state.
Nowhere is this better demonstrated than in the following article. If you are an Arab and, even remotely, advocate violence against Israeli Jews you will be prosecuted and spend time in gaol. On the other hand if you are Jewish you will receive absolute immunity. In other words despite the same laws for example incitement to racial hatred applying equally to Arab and Jew it is implemented only against infractions by members of one community.
That is why Israel is an Apartheid society and why BDS is so vital.
Tony Greenstein
Racist and inciting Facebook statuses by Israeli Jews have become commonplace on the Internet. Yet not a single Israeli has ever been sent to prison for publishing a status on social media.
By John Brown* and Noam Rotem - 972mag.com
The sentence is not something out of the ordinary. Sami Da'is received eight months for his posts on social media; Omar Shalbi was sentenced to nine months; and many others are still being held until the end of legal proceedings, waiting for a decision on their case. All of them for publishing statuses on Facebook.
Perhaps you have noticed that there is not a single Jewish person among those arrested—this isn't a coincidence. The following article will compare some of these remarks to those made by Jews, who were never forced to spend seven months in jail. Not a single Jewish citizen of Israel has ever been sent to prison for publishing a status on social media.
These social media users are usually accused of the following clauses in Israeli law: "incitement to racism," "incitement to violence or terrorism," and sometimes "support for a terrorist organization." The first clause is simple: anyone who publishes remarks "for the purpose of inciting to racism," regardless of the probability that the remarks will lead to violence—is guilty. According to the second clause, incitement to violence or terrorism—or praising an act of violence or terror—is forbidden only if the content of the remarks and the circumstances in which they were published include a a real possibility to lead to an act of violence or terrorism. This requires finding out whether anyone who read the status was inspired to commit an act of terrorism or violence. As for the third clause, anyone who expresses support for a terrorist organization is guilty.
Eight months for 14 'likes'
The court takes into account how much exposure these statuses receive when determining the defendant's sentence. Sometimes they have over 200 likes, other times they are far less popular. Such is the case of Sami Da'is, who received five likes for one of the status mentioned in his indictment, and nine likes in another. He was sentenced to eight months in prison.
After Facebook user Arkadi Yakobov wrote, "there is no shame in burning an Arab, it is a great mitzvah to burn Arabs," armed men did not barge into his house and detain him for several months. When Galit Elmaliach agreed and added "may all the Muhammads burn, amen," and when Hovav Yossi Mattuf swore that "the next time they kidnap, I hope he is not unconscious and is burned alive and made to run around burning" no one raised an eyebrow. Their lives went on without any interference by the Israeli justice system.
Click here to view the original statuses in Hebrew
When Ibrahim Abadin changed his profile photo to that of Mutaz Hijazi, the Palestinian who attempted to assassinate far-right Temple Mount activist Yehuda Glick in October of last year, it was enough to be considered a crime.
|Right-wing activist Yehuda Glick holding a book depicting the Jewish Temple while standing in front of the Aqsa Mosque in Jerusalem, May 21, 2009. (Photo by Oren Ziv/Activestills.org)
Sami Da'is, on the other hand, published the logo of the Popular Front for the Liberation of Palestine in 2014—a political party that was elected in the last Palestinian elections—as a status on his Facebook feed, adding the words "The Popular Front for the Liberation of Palestine." This received six likes, and was mentioned in his indictment.
Mahmoud Asila, who presents himself as a Palestinian comedian, wrote "I opened a tourist agency for cars that run people over, meaning that every day a driver or two comes to me before a vehicular attack and then come back." He also wrote: "Leave us and Al-Aqsa alone, and we will stop the vehicular attacks… we have a solution for the concrete blocks you have erected: we will stop using cars and start using motorcycles." The honorable Judge Rivka Friedman-Feldman read out the translation of his remarks, and agreed with the state that he could not be left under house arrest because of the danger he posed. Instead he would have to remain in prison until the end of his legal proceedings.
|Right-wing protesters shouting slogans at Palestinians during riots that erupted following the finding of the bodies of three teenaged settlers near Halhul, West Jerusalem, July 1st, 2014. (Tali Mayer/Activestills.org)
|Screenshot of Mahmoud Asila's Facebook page, with writing in Arab calling to 'Run over people for the sake of Jerusalem.' (photo credit:screenshot)
It is impossible to describe how far this kind of incitement reaches. But those who are interested can find support for military operations, such as the racist celebration following the killing of four boys on the Gaza beach last summer, or a worker in the Finance Ministry who calls for the murder of Arabs. Other users did not refrain from expressing support for the Nazi regime when replying to a Holocaust survivor who criticized Israel during Operation Protective Edge. Even soldiers didn't refrain from taking part in the incitement to murder Arabs. Neither did police officers.
Incitement from above
One may claim that because these are private individuals, there is a small chance that their incitement will be translated into violence. But the discrimination doesn't end with them. At 10 a.m. on July 1, 2014, while gangs of racist, right-wingers roamed the streets of Jerusalem looking to attack Arabs, Justice Minister Ayelet Shaked, then an MK, published a call to murder Palestinians, specifically Arab mothers, because:
"They need to go the way of their sons. There is nothing more true than that. They must go, same as the house in which they raised the snake. Otherwise they will raise other little snakes there."
|Justice Minister Ayelet Shaked. (Photo by Activestills.org)
On the same day, the secretary-general of World Bnei Akiva (the largest religious Zionist youth movement in the world) called for the murder of at least 300 Palestinians, as well as to cut off their "Philistine foreskins." A few hours earlier, Jerusalem City Council member Aryeh King openly called to commit an "act of Pinchass," a religious code word for murder.
On July 10, 2014 Shaked once again used her Facebook page for incitement, and lied about who was behind a fire that erupted at a Jewish cemetery. Like the previous post, she received a great deal of racist, blood-thirsty replies.
This post was also later erased. Neither Shaked nor any those who replied to her were even interrogated. Neither was King or the secretary-general of Bnei Akiva. No one was indicted, convicted or jailed.
Not only on social media
The problem goes far beyond social media outlets. On July 23, 2012, MKs Miri Regev (Israel's current minister of culture and sport), Danny Danon, and Yariv Levin incited against asylum seekers during a protest in south Tel Aviv. Standing in front of the crowd, Regev called asylum seekers a "cancer in our body." She later lied and claimed that she meant that the phenomenon of asylum seekers is akin to cancer. Minutes after the rally ended, a mob set out to attack asylum seekers and their property. Neither of the three members of Knesset were taken in for questioning. On the other hand, the court had no problem sending Sheikh Raed Salah to prison for incitement during one of his sermons.
I write this not out of support for any of the things that were published. I can find hundreds of additional examples of inciting, racist and disgraceful statuses written by Jews. I can also quote more indictments of Palestinians for their statuses. But there is no point; we do not live in a state where citizens are equal before the law.
*John Brown is the pseudonym of an Israeli academic and blogger. Noam Rotem is an Israeli activist, high-tech executive and author of the blog o139.org, subtitled "Godwin doesn't live here any more." This article was first published in Hebrew on Local Call. Read it here.


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Home remedies for athletes foot
are easy and effective to use. You don't need to pay for over the counter drugs that won't work any better.
#1 Home Remedies For Athletes Foot Relief!
Athlete's foot is what's called "dermatitis" of the webs and soles of the feet.
When a fungus causes athlete's foot, it can spread to the palm, groin, and body.
Home remedies for athletes foot
should be used as soon as possible since fungal infections of the feet are contagious, and can be spread from person to person or just by walking on contaminated objects or floors.
Athlete's foot can cause itching, burning, pain, and scaling on the feet.
Athlete's foot is caused by a fungus, often treated with anti fungal medications you get over the counter. But home remedies for athletes foot can be used instead.
Keeping the feet dry by wearing cotton socks, instead of synthetics and non cotton fabrics can help prevent athlete's foot.
There are a variety of fungi that cause athlete's foot, and are usually found on contaminated socks and clothing in gyms, locker rooms, swimming pools, nail salons or airport security lines.
Another name used for athletes foot is "jungle rot," by members of the armed services serving in tropical climates.
Home remedies for athletes foot
can be used for "jungle rot" as well.
Sometimes, people with athlete's foot have no symptoms and don't even know they have an infection.
They think they have dry skin on the soles of their feet. Symptoms of athlete's foot include itching and burning. In severe cases, there may be some peeling, cracking, pain, and bleeding as well.
Athlete's foot can show up as a rash on not only both feet, but even a hand. It's not uncommon to have it show on two feet and one hand in men.
Scientists don't know why it only affects one hand. Home remedies for athletes foot will work well on hands and feet.
Athlete's foot and ringworm of the groin (especially in men) or hands can show up at the same time. Examine the feet whenever there's a fungal groin rash.
Always treat all areas of fungal infection with home remedies for athletes foot at one time to avoid reinfection.
Athlete's foot is contagious, but some people may be more susceptible to the fungus, while others are more resistant. Athlete's foot seems more contagious in moist, warm environments like public swimming pools, locker rooms, and public places where many people have contact.
Athletes foot is not the only cause of foot rashes. Irritant or contact dermatitis, allergic rashes from shoes or creams, dyshidrotic eczema (skin allergy rash), psoriasis, yeast infections, and bacterial infections are other reasons that can cause a foot rash.
#1 Home Remedies For Athletes Foot Relief!
Doctors can do a test called a KOH, or potassium hydroxide for a microscopic fungal examination. Many dermatologists do this test in right in their office.
The home remedies for athletes foot treatment can be divided into two parts:
The first part, is to make the infected area less suitable for the fungus to grow. Keep the area clean and dry.
Wear shoes and socks that "breathe." This one of the home remedies for athletes foot that requires no money spent. But it's an important first step.
Medicated powders like Lotrimin or Tinactin, can help keep your feet dry. A homemade remedy that may aid in treatment, is to soak your feet in a solution of 1 part white vinegar, and roughly four parts water, once or twice a day for 10 minutes at a time.
The second part is to use anti fungal creams and washes. Spectazole, Lotrimin, Lamisil sprays and creams, and Nizoral, etc. if you don't want to use natural cures.
Home remedies for athletes foot include:
Home remedies for athletes foot using Tea Tree Oil: Add 40 Drops of Tea Tree Oil to a foot bath and soak your feet for 10 minutes. After soaking and completely drying the feet, massage a few drops of oil directly into the affected area. Tea tree oil has "antiseptic and anti-fungal" properties that help kill the fungus.
Home remedies for athletes foot using salt and apple cider vinegar: Soak your feet in 2 tablespoons of Himalayan Crystal salt and ½ cup Apple Cider Vinegar solution mixed with some warm water. This creates a very acidic environment, which the fungus can't survive in.
You can also spray or wipe your feet down with a cloth soaked in this solution after you shower. Make sure you get them completely dry after showering.
You can also wipe down the insides of shoes and sandals to help prevent the fungus from staying there.
Home remedies for athletes foot using garlic: Put some crushed garlic between your toes and leave it there for the day. Add garlic to foods you eat or take a garlic supplement also.
Home remedies for athletes foot using ozonated olive oil: Ozonated olive oil can also help eliminate athlete's foot. Use it to swab on your feet each morning and night. This usually clears up the fungus within two to four days and can be used as a preventative measure against future outbreaks. I recommend the olive oil paste 02-ZAP.
Home remedies for athletes foot using colloidal silver: Colloidal Silver is another good remedy for athlete's foot because it's an "antibacterial, antifungal and antiviral." Spray or apply to your feet and let it fully dry. Spray it and leave the silver on your feet overnight.
Organic neem oil is another natural oil that has "antifungal, antibacterial and antiseptic" properties. Apply to your feet with a cotton ball before going out for the day.
#1 Home Remedies For Athletes Foot Relief!
Organic ginger is another strong anti-fungal. Add an ounce of fresh chopped ginger to a cup of boiling water and simmer for 20 minutes. After it cools, apply it twice a day to clean feet. It smells good on your feet.
Home remedies for athletes foot is not rocket science, but why not use natural remedies when they work well?
Author: Steve Berchtold


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Creating a Snoot with Rosco Photofoil
There are many ways to control the light emitted from your off-camera hot shoe flash. One of my favourites is to make a snoot from Rosco Photofoil. Photofoil is non-reflective heavy gauge flat matte black aluminium foil supplied on a roll and available in 12" x 10' or 24" x 10' rolls.
Making a snoot is a straight forward process; cut about 12 inches (30 cm) from the 12" roll and then fold in half. You then wrap the Photofoil around the head of your flash leaving a gap at the front.
I have a feeling that this is going to take longer than expected as I have one of our Siamese kittens, Kato, trying to "help" me!
Making a snoot is a straight forward process; cut about 12 inches (30 cm) from the 12" roll and then fold in half. You then wrap the Photofoil around the head of your flash leaving a gap at the front.
Canon 580 EX II Speedlite with Go Pro Photo Gel Clip and Rosco Strobist Collection Cinegel #3401 Sun 85 CTO. Notice the spread of the light on the white background paper. The flash is positioned approximately 2 metres (6 feet) from the background and remained constant for this demonstration.
The flash was set to Manual, 1/16th power and triggered as the Slave unit via a long eTTL lead connected to a second Speedlite which illuminated the snooted flash.
This shot shows the effect of the snoot reducing the light (in this shot) to the left of the frame. Here the Photofoil is moulded to form a cone giving a broad spread of light.
Without removing the Photofoil from the flash I've now shaped it to reduce the light at the top and bottom of the frame. One of the key advantages of Photofoil is the ability to shape the snoot at will and
not have uniform edges.
Here I've pushed in the left side of the Photofoil to give a defined edge and higher spread.
Notice how as you narrow the opening the area of light darkens. You'll need to increase the flash output to compensate for this if working in Manual mode to maintain the desired level of illumination.
You can also add patterns to your background very simply by prodding some random holes into a piece of Photofoil and holding it in front of your already snooted flash.
This is called a cookie or cookaloris. Here you can see the perforated Photofoil and the pattern on the background, top right.
You can also use a piece of Photofoil as a flag to block light from falling onto the background. Photofoil may be used as an effective lens shade in bright sunny conditions to reduce flare and increase image saturation.
If you're serious about lighting then I'd recommend a roll or two of Photofoil in your lighting kit. It's durable and reusable. I've a piece in my OCF box that must be at least 5 years old and still going!
Watch this space - soon I'll show how you can vary the colour of your background using Rosco Strobist Collection coloured gels and varying the flash output. Simple. Really.


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The more you own, the more you know you don't own.
I have not posted for a while on the account of being very busy with work and also in the middle of waiting phase of transition. I always felt when starting this blog that I would not post if I had little to say. Although there is not all that much to report I have found myself on the cusp of probably the biggest decision of my life. Following a regular appointment with the gender clinic in London my mind has swelled with the advantages and disadvantages of going ahead with reassignment surgery in the future. The doctor has urged me to start thinking hard about the future and whether or not I want to go ahead with the operation.
When this journey began over two years ago I had no real idea exactly where I was going. There was no destination or expectations. All I knew was that I had to explore myself and find a sense of happiness which for the most part has been found. I could simply stop my journey here and be thankful my life is now fruitful and has purpose. The relief of breaking down barriers and reaching for the sanctuary of freedom has allowed my path to split and now there are options instead of the endless dirt track of before. Trying to weigh up the pros and cons of surgery has been incredibly tough and now confusion has set in. The cocksure nature of my adventure so far has been brought down a peg or two with the raw reality of needing to plan for a future. Where before I was moving to freedom and happiness I now have to look much further ahead and wonder about what I want from my life, my relationships and ultimately my body.
The consequences for making the wrong decision are extremely serious, there is no going back. When I think about it in simple terms it is a great idea. It will be the end of a fantastic journey and allow me to look the part. I can have access to a more varied wardrobe, it will make me less self conscience. As you can tell from what I have just explained, looking at this decision in simple terms just becomes about the physical and aesthetic. A real lack of substance or self worth, it is about blending in and fading away. But what about me? What about the person I want to be? What kind of partners do I want? What are the potential complications? The whirlwind of confusion sets in. My exploration must continue and the haze that plagues me must subside.
Speaking with more experienced transitioners has at least allowed me to put the good, the bad and the ugly in perspective. I know not having surgery does not mean a broken life or one that is not fulfilling. And on the opposite end having the surgery does mean I lose one of the very things that makes me different and allows me to hold a sense of normality. At present, however, I like being transgender, I enjoy the attention, the conversations and feeling real, tangible. For now I am content and living life without much care. The future may be uncertain and my path not known but the excitement of finding out has been something of a mantra for me of late.
What all this pondering has allowed me to do is take a step back and really start to understand what it means to be transgender. For all the fun, acceptance and rejoicing of late a more serious side has started to rear its head. My mind is breaking down thirty years of male socialisation and new emotion and appreciations are growing inside me. For the first time there is an understanding what it is to be human and recognising others emotions at some depth. I was never a cruel person but I always had difficulties being sympathetic or empathetic because I did not know myself or what I was feeling. Now my world is ruled by complex and deep thoughts, feelings and sensation. I am alive and connecting with people on levels I never understood or even contemplated. It is difficult to break the hard exterior of masculinity away. I was never very masculine but have the parts and social experiences that need to be developed and refined quickly if my transition is to carry on being successful.
My journey is very much outwards which is a contrast to where it began as self discovery and self indulgence. Now I have to make my way in the world as the person I have uncovered from this. There is a real need to embrace society and seamlessly slip into the wave of euphoria true acceptance can bring to my life. It is not for other people to give me this on a plate I have to work hard and take my chances to show what I am made of. I enjoy meeting new people for the simple reason they have no point of reference except what they first encounter. No fading memories of the unhappy bloke or his robotic thoughts or mannerisms. True freedom awaits, once I make my mind up of course!


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Ready for Life
If you are interested in enrolling your child into the Club, it is very important that you read the Policies and Procedures and complete a Registration Form, which can be downloaded below, paper copies are available from the school office.
The Breakfast Club is managed by the school and staffed by Kerry O'Neill, Supervisor, Carol Bowns, Assistant and Rebecca Gardiner, Assistant. We are able to accommodate children aged 4-11. We shall be open every weekday during term time, excluding in-service days and bank holidays, from 7.55 – 8.25am. Your child(ren) can be dropped off at the Hall door from KS1 playground, at any time between these times but breakfast is only served until 8.15am.
The current Breakfast Club cost will be £1.60 per day for supervised care with quiet activities and 55p per day extra for breakfast (a total of £2.15 per day for both). The cost does not change depending on the time you arrive. Payment must be made a term in advance by cash or cheque payable to Abbeymead Primary School with your child's name and A.B.C. written on the back to the office, payments will not be accepted at Breakfast Club.
Booking forms are emailed out before the end of each half term so that bookings can be made in advance. You are able to join at any time throughout the term, however one weeks notice in advance is required.
We look forward to a long and flourishing club.
Set up and initial costs have been provided by the Pupil Premium Funding.
Termly booking forms
Registration documentation


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Worried About Facing Criminal Penalties?
Criminal Defense Lawyers in Phoenix, AZ
In Arizona, the nature of a crime directly relates to any future sentencing and criminal penalties. Different classes of felonies and misdemeanors carry varying degrees of criminal penalties. Our aggressive criminal defense team at Salvador Law Group, can help diligently represent you to ensure that you are not overcharged and do not suffer more severe criminal penalties than your crime warrants.
Unsure how to proceed? Call our Pheonix criminal defense attorneys at (602) 842-6222to request a free case evaluation.
Classes of Felonies & Misdemeanors
Arizona classifies different types of crimes based on their severity from those that cause the most physical harm or property damage, to those that cause the least.
Felonies are classified as:
- Class 1 Felony – The most serious crimes, these include first and second degree murder and can have a sentence of 25 years to life in prison, with the possibility of the death penalty for first degree murder.
- Class 2 Felony – Five years in prison to up to 12.5 years for aggravated crimes, such as assault.
- Class 3 Felony – These felonies include major drug crimes and can have penalties of up to eight years in prison.
- Class 4 Felony – Two and a half years in prison for convictions including property crimes and certain theft crimes.
- Class 5 Felony –Up to two and a half years in prison for crimes such as prostitution or pimping.
- Class 6 Felony – These are the least serious cases and have a sentence of up to one year in prison. A strong defense may also be able to negotiate a Class 6 offenses to a misdemeanor.
Misdemeanors are classified as follows:
- Class 1 Misdemeanor – Six months in jail and a fine of up to $2,500
- Class 2 Misdemeanor – Four months in jail and a fine of up to $750
- Class 3 Misdemeanor – Up to 30 days in jail and a fine of up to $500
The aforementioned sentencings are presumptive and judges have the discretion to increase or decrease sentencing based on several factors, including but not limited to, whether the person is a first time offender, has a previous conviction, and other mitigating or aggravating factors associated with the crime committed. Fines and reparations can also increase with the severity of the crime.
Need More Information?
Turn to Salvador Law Group for Guidance.
No matter how complicated your criminal case may seem or how daunting the criminal penalties may be, the first step in a good defense is learning the facts and contacting an attorney as soon as you learn of a criminal investigation or accusation. With the assistance of Salvador Law Group, you can rest assured that our Phoenix criminal defense lawyers can help aggressively fight for your rights to help ensure that you are not being overcharged for your crime.
Contact our Phoenix office as soon as possible for the dedicated legal counsel you need.


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What you need to know
Many contractors, micro-business consultancies and other small outfits will be affected by the government's planned changes to the VAT Flat Rate Scheme, which were signalled last autumn without fanfare and are being brought in for April 2017.
The cash benefit offered by the flat-rate scheme has provided a lifeline to many small operations, as well as simplifying VAT treatment. What is there to know and understand about the scheme and its de facto removal for many?
What is the Flat Rate Scheme (FRS) for VAT?
The FRS is used by hundreds of thousands of small businesses to simplify VAT reporting. Lots of those businesses also gain a cash advantage from using the scheme, but this advantage is due to be cut back significantly from 1 April 2017. The FRS will continue but many businesses will not find it economical to use.
How does it work now?
When using the FRS the business ignores VAT incurred on purchases when reporting VAT payable, with the exception of capital items that cost £2,000 or more. The trader simply multiples gross turnover (including VAT charged at the normal rates) by the FRS percentage set for the relevant trade sector.
This FRS percentage is supposed to take account of the amount of VAT likely to be incurred on business expenses. The common percentages used by service-related businesses are:
- Journalism or entertaining 12.5%
- Accountancy and legal services 14.5%
- Computer or IT consultancy 14.5%
- Business services not listed elsewhere 12%
- Estate agents and property management 12%
- Management consultancy 14%
What this means is that service businesses with few expenses, and that operate in a sector with a relatively low FRS percentage, pay out less VAT to HMRC than they would outside the scheme. Many businesses register for VAT voluntarily before turnover reaches the VAT registration threshold, so they can use the FRS and bank the cash advantage.
Here's an example. A business services company invoices a client £1,000 plus VAT at 20%. So £1,200 in all. When it comes to passing the VAT charged to the government the FRS calculation is 12% of the gross billing of £1,200 – £144 in this case. The business can bank the difference of £56.
Why is it changing?
The government believes small businesses have been abusing the FRS – particularly recruitment businesses setting up multiple companies to use the scheme.
The Guardian exposed the abuse in a piece last year and the government reacted by changing the rules and talking about the "aggressive abuse" of the scheme.
Unfortunately, the government has tarred all small businesses using the scheme by extension, despite most using it as the law intended. In any case, the government is now changing the terms of the scheme to make is less attractive and to reduce the cash advantage enjoyed by service-related businesses.
How will it work from 1 April 2017?
From 1 April 2017, a business will be required to use a FRS percentage of 16.5% if it is a "low cost trader" (see below). This is likely to adversely affect businesses in all of the trade sectors listed above and possibly many other similar businesses as 16.5% of the gross turnover is equivalent to 19.8% of the net leaving almost no credit for VAT incurred on purchases. It means the scheme is not viable for most services businesses that use it and most will be better off leaving the scheme if they turnover under the VAT threshold of £83,000.
What is a low cost trader?
A low cost trader, in the government's newly minted definition for the FRS, is a business with expenditure on goods (not services) of less than 2% of its gross turnover or, if more than 2% of its turnover, where the amount spent on goods is less than £1,000 per year. Any expenditure on capital items, motor expenses or food and drink for consumption by the business is ignored when working out the 2% or £1,000 threshold.
This emphasis on goods discriminates against businesses that incur VAT on services such as rent, software licences, IT support, digital journals, sub-contractors, telecoms and so on. In VAT terms, a service is anything that is intangible or where the cost relates to a tangible asset it is the temporary use of that asset – such as hiring.
What happens next?
The government hasn't provided a great deal of clarity to help businesses in deciding whether to remain in the FRS. For some, it will be unclear what goods or services are included in the expenses – but every affected individual need to try to calculate the impact and decide on his or her status.
There is also further work to be done by the government to clarify the handling of dates and invoices in relation to accounting periods and the roll-out of the new scheme on 1 April 2017. We'll keep you in the picture in the weeks ahead.
Information Source: UK Business Forums


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Clemson University
BuyMePosters.com has a huge inventory of posters and print at discounted prices which includes popular posters such as Clemson University, Virginia Tech and US Air Force Academy. We often have free shipping promotions as well as offering coupon codes.
Buy Me Posters is an affiliate of AllPosters which allow us to provide our visitors the service and quality posters and art prints an online shopping website should have.
Title: Clemson University
Type: Art Print
Size: 14 x 10 in
Item #: 349684
Usually ships in: 24 hoursOur Price: $44.99


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Swim lessons
A friend of mine commented the other day, that it seems like my kids are ALWAYS in swim lessons. They are. Every Saturday, off and on for the last THREE YEARS. "Don't they know how to swim yet?" She asked. To this, I respond with Rowans latest evaluation, behold:
That's right. Three years (off and on), and my kid should "work on FLOATING."
I rest my case.


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Black Label Candle
Thanks to the fusion of traditional techniques with a contemporary and modern design, we have created the scented candle Black Label: a special line of scented candles impregnated with a selection of our most distinguished fragrances and numbered based on their aroma. Made in Italy with high quality, hydrogenated, refined paraffin wax and a 100% cotton wick it is presented in an elegant black glass. The Black Label candle is characterized by its certified long duration and its high concentration of essence.


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Photo: WSA Solo Project Annika Nelson Class of 2018
Solo Theatre Piece (HL ONLY)
You will present a piece of theatre that is underpinned by a theatrical theory.
The piece of theatre that you create will be a maximum of 8 minutes long. This will be filmed, and an unedited clip will be submitted. Alongside this you will submit a 3,000 word (maximum) report that considers the aspect of the theory you chose, your performance, the direction of the piece and (if appropriate) the creation of your piece. The report will discuss how you have applied the theory in detail. It will also reflect on to what extent you have understood and achieved the theory. The video you provide will be used to see if your theatre piece matches your report's discussion. The subheadings for the report are:
- The theorist, the theory and the contexts
- Practical explorations and developments of the solo theatre piece
- Evaluation of the solo theatre piece and my personal reflections
- Works Cited
You will select a theatre theorist and explore their context. Consider the impact that the theory has upon the audience, and how and why the aspect of the theory you chose, was used.
You will then select a specific aspect of their theory, and explore this practically.
The theatre theory must be of a practical nature and come from a Theatre Practitioner who has a body of work, which has made a significant contribution to the development of theatre practice over time. This must be someone who has writings (and such) available in their own words.
You will then rehearse and eventually perform your piece of theatre.
Subsequently, you will write a report that explains the context, the theory and the relationship between theory and practice.
You may use existing text(s) associated to that practice or theory, or you may use a different text. Alternatively, you could create your own.
You will have a mentor within your class who gives you feedback, watches you rehearse and assists you all aspects of your performance. Consider what skills, qualities and strategies a good mentor has, and what you would like from your mentor. You should create a 'contract' between yourself and your mentor.
You should consider the design of the production elements (sound, set, costume, lights and so on), and you can engage someone else to develop these for you, although you will not be formally assessed on these elements.
The Aspect of the Theory you will focus on
The Performance element
The Direction
The Design of your performance.
If you are creating original work, then also your role as creator.


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It was built as a Palace to the Arts for the 1904 World's Fair. They just don't make beautiful buildings like that anymore. Sigh.
|Ancient art
|Modern art
The difference between cultures is interesting, don't you think? The modern art is a representation of heaven and earth. Earth is the broken glass on the floor.
I felt like a little school girl getting to go from room to room viewing, in person, artists whom I've admired their work - or thought their lives sad, or interesting. In van Gogh's apples, his wide brush stokes give away the fact that he painted them.
The Dreamer, by Pierre August Renoir was thought a bit "saucy" back in 1879.
|Georges-Pierre Seurat
I got to see Seurat's pointillism up close and personal. By the end of the day, I had my own museum staff keeping an eye on me from room to room. Hey. How was I supposed to know that the line of dark brown wood embedded in the floor was the "stand back" line?
|Water Lilies
How could any art museum tour be complete without a picture of Claude Monet's Water Lilies? This is part of a triptych. The other water lily paintings are in Kansas City and Cleveland. And yes, I had my nose right up to the painting. Without touching it, of course. It's the fault of my glasses, and my "over 40 eyes."
|Wishing Tree
When Yoko Ono was a girl growing up in Japan, there was a wishing tree in the temple courtyards. This follows a similar theme, yet on a grander scale. Visitors write a wish on a tag and tie it to one of the three trees. Periodically, the museum staff take the wishes down and put them in a clear acrylic bin just inside the door.
This is only one of many of her Wish projects. Following her instructions, the wishes will join others, now totaling over one million, at her Imagine Peace tower in Iceland. Here, she celebrates, and keeps in memory, her late husband, John Lennon. Every year the tower is lit on Lennon's birthday, October 9th through December 8th, the day he was shot.
Click this Google link to see some spectacular pictures of the Imagine Peace tower:


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Cart is empty
Joanna Thomas
Joanna Thomas was born in Bristol. Her childhood holidays were spent in Cornwall where she gained a love for the county. Such was the pull to its coastline that she chose to return to study at University College Falmouth for a degree in Journalism and later a Masters in Professional Writing. Having working as a broadcast and print journalist throughout the South West, she has now settled in Cornwall, with her family, where she writes and teaches.
Photograph by Simon Cook.
Photograph by Simon Cook.
Related books
|Lost Cornwall


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Take your education to the next level!
The Krieger School of Arts & Sciences - Advanced Academic Programs offers courses through the Center for Biotechnology Education. Specifically, AAP offers five bioscience degrees at the Montgomery County Campus: master of science in biotechnology, master of science in bioinformatics, master of science in bioscience regulatory affairs, masters in biotechnology enterprise and entrepreneurship and a joint master of science in biotechnology–MBA degree. Most courses are held in the evenings and on weekends to accommodate working professionals. Some degrees have options to complete coursework online.


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Read all about us in the media:
Lydia Badia – Tatler Beauty & Cosmetic Surgery Guide 2019.
Read more
Charles East "Best for Noses" Tatler Beauty & Cosmetic Surgery Guide 2011, 2012, 2013, 2014, 2015 and 2016!
Look Your Best: http://lookyourbestuk.com/forum/viewtopic.php?f=8&t=38573
Rhinoplasty London – Tatler Beauty & Cosmetic Surgery Guide 2019.
"For facial rejuvenation, seek out Rhinoplasty London, run by two of the capital's best surgeons."
Read more
Books we have published:
Ear, Nose, Throat and Head and Neck Surgery by Charles East and Ram S. Dhillon:
Total Revision – Ear, Nose and Throat by Lydia Badia and Seamus Phillips:
Scott-Brown's Otorhinolaryngology Head and Neck Surgery. Seventh edition by Michael Gleeson. 25 April 2008.
Deviated nose
Augmentation Rhinoplasty
A. Van Hassalt, N. Bleach, Operative Surgery Septoplasty and repair of septal perforations C. Milford 1996
As experts in the field of rhinoplasty and facial plastic surgery we are involved in ongoing research and work with various organisations, here are some of those we are members of:
The Rhinoplasty Society of Europe – where Charles was a founding member
European Academy of Facial Plastic Surgery
European Rhinologic Society
National Institute of Health and Clinical Excellence (NICE)
British Association of Otolaryngologist (Head and Neck Surgeons)
Royal College of Surgeons
Royal National Throat Nose and Ear Hospital
University College Hospital Foundation Trust
Royal Free Hampstead NHS Trust
Royal College of Surgeons
"A masterclass in Rhinoplasty Surgery" Evaluation results
Dear Charles,
A big thank you for all your hard work in making the BAAPS meeting such a great success. The membership are buzzing after your lecture on Rhinoplasty. I think your presentation was excellent and the endonasal video was brilliant. I think you will have to have a season ticket to the BAAPS faculty. Thank you also for attending the faculty dinner. We very much enjoyed your company on the Wednesday. It was an especial treat to meet Lydia. Thank you for contributing to the meeting and giving such a stellar performance.
Sincere thanks and warmest wishes to you and Lydia.
'Dear Mr East,
I just wanted to let you know that the tiny indentation disappeared, just as you said it would, and my nose is completely perfect in every way! I am so happy! It just couldn't be more perfect. I have no idea how you managed to create what you have from the nose I had but it's just so delicate, subtle, symmetrical, natural and elegant; everything we discussed and more. Thank you! You are a nose wizard! Thank you again for fitting me in and doing such a miraculous job.'
Dear Lydia,
How lovely to hear from you. Gemma's doing really well thank you and is absolutely loving her new nose – she's really struggling not to look at it all of the time but doing her best!!! She's not sleeping too well at the moment as she's worried about squishing her nose during the night but I'm sure that she'll settle down soon, especially when she's back to college and having to get up at 6.30am HaHa!!
Thank you again so very much for looking after my little girl so well, we're so delighted for her and you've made her dream a reality.
Hi Charles,
I just wanted to let you know I'm doing well and I'm very happy with how my nose looks. You've done an incredible job!
Dear Mr East
Thank you very much for your kind e-mail. I have been using the Avamys spray for a few days now
and I am already feeling much better.
I was very happy and impressed by my consultation with you, as you have explained everything
very clearly and also I have read further details on your website. Therefore I would like to proceed with the surgery. Thank you once again for your help and I look forward seeing you in Autumn.
I just want to say the most enormous thank you for my beautiful nose. The new nose had its own private view to a discreet gathering of friends and family and like me they were in awe at what you had achieved. It's not just a nose, it's a work of art, it's a sculpture! I felt fantastically well looked after throughout the process. It was a Rolls Royce experience. I am particularly pleased that the exquisite work you did is also very subtle so no awkward explanations have been required. I leave the last word to my son 'Mummy you look much better with your new nose!'
Very many thanks.
Hi Lydia,
I hope all is well with you.
Just to refresh your memory, I had a rhinoplasty last March 2012. We last emailed in May but haven't spoken since.
It is just over a year now since the op, and I wanted to tell you I couldn't be happier with the results, both functionally and aesthetically. The past year has been a dream being able to breathe properly, and I'm delighted with how my nose looks.
You told me that it takes a full year for the nose to heel internally so I just thought I'd let you know at this point how pleased I am with the success of it, and say thank you once more for achieving exactly what I wanted.
Huge thanks once more,
"I am so pleased with how the operation turned out. I could not have asked for any better. Thank you for making the whole process less scary and more comfortable for me."
"I just love my new nose. It is exactly what I wanted."
"After several years thinking about having a nosejob I did my research and wanted the best. I was not disappointed."
"Having to have revision rhinoplasty was very scary and I want to thank you for finally putting an end to my misery. My only regret is that I did not come to you the first time round."
"I would like you to know that I was very grateful for the time you made available to resolve my nasal problem."
My nose all seems to be great – so much better, comfy at night and so on. Really remarkable. Thank you so much for your expertise and generosity, it's a life-changing thing.
Breathing beautifully
Dear Lydia,
There was never a doubt that my new nose was a good one. But seeing these pictures and having a direct comparison, leaves me at a loss for words. Meeting you and feeling like I had found the person to finally take this step with, is without a doubt the best thing that has ever happened to me.
It is incredible how the way we feel inside about about a physical attribute such as a nose, truly does dictate how we behave and think, and how having an insecurity lifted can actually make us a different person. You have changed my life and the woman that was always inside me can now shine freely. I can finally be myself and that is an amazing gift. I cannot thank you enough and you will always hold a very special place in my heart.
With much love
Management of Middle Ear Myoclonus
Badia L, Parikh A, Brookes G B.
Journal of Laryngology and Otology 1994; 108: 380-382
Pyocele of the Middle Turbinate
Badia L, Brookes G B.
Journal of Laryngology and Otology 1994; 108: 783-784
Vile Bodies: An Endoscopic Approach to Nasal Myasis
Badia L, Lund V J.
Journal of Laryngology and Otology 1994; 108: 1083-1085
Heterotopic Pleomorphic Adenoma of the External Nose.
Badia L, Weir J N, Robinson A C.
Journal of Laryngology and Otology 1996; 110: 376-378
Discussion of the Midfacial Degloving Approach and Review of therapeutic options for Juvenile Angiofibroma.
Diver J P, Badia L, Lund V J, Howard D H, Cheesman A D.
Kugler publications for the 2nd European Skull Base Society 1995
ENT Training in the United Kingdom
Simo R, Badia L
Acta Otorhinolaringologica Espanola 1995; 49: 289
Women and surgical training in Spain, a comparison of women in practice within the U.K.
Badia L
WIST Newsletter 1996; 7: 5-6.
Dilated Pupil During Endoscopic Sinus Surgery. What does it mean?
Badia L, Lund V J
American Journal of Rhinology,Jan-Feb 2001, 15-1:31-33
Primary Spontaneous Cerebrospinal Fluid Rhinorrhoea and Obesity.
Badia L, Laughran S, Lund V J
American Journal of Rhinology, 2000
Primary Chordoma of the Ethmoid Sinus
Laughran S, Badia L, Lund V J
Journal of Laryngology and Otology, 2000; 114:627-629.
Topical Corticosteroids in Nasal Polyposis. Review article
Badia L, Lund VJ
Drugs, Adis International, 2001;61 (5): 573-578
The effect of LAUP on the sense of smell and taste
Badia L, Malik N, Lund VJ, Kotecha BT.
Olfaction in patients with Wegener's Granulomatosis
Badia L, Szwedowicz P, Lund V J
A case of Rhinoscleroma treated with Ciprofloxacin
Badia L, Lund V
Journal of Laryngology and Otology 2001 Mar; 115(3): 220-2.
Uvula necrosis secondary to a laryngeal mask during laparoscopy
Badia L.Minerva
British Medical Journal 26 April 2003. Vol 326. pg 940
Sinusitis Cronica y poliposis. Edimsa. 2002
Chapter 11. Badia L. Editors C Escobar, M Tomas, E Raboso and M Bernal
Asthma and Aspirin Intolerance Nasal Polyposis
Review article. My approach to Augmentation of the Nasal Dorsum.
Badia L.
ENT News Espanol. Vol 2 no 2. October- November 2004
Ethnic variations in sinonasal anatomy by CT-Scanning
L. Badia, V J Lund.
Rhinology,43, 210-214, 2005
A randomized trial of Rhino Rapid Rhino Rhiemann and Telfa nasal packs following endoscopic sinus surgery.
Cruise A, Kanagalingam J, Georgarlas C, Patel NN, Badia L, Lund VJ
Clinical Otolaryngology 2006 Feb 31(1) 25-32
A prospective randomised trial comparing the efficacy of prophylactic versus post-operative antibiotic use in complex Septorhinoplasty surgery.
Andrews P, Jayaraj S, East C, Badia L.
Accepted by Archives of Facial Plastic Surgery.
Spontaneous globe luxation associated with shallow orbits and floppy eyelid syndrome.
Ezra DG, Jayaram H, Badia L, Francis PJ
The Use of Botulinum Toxin in Facial Rejuvenation.
L. Badia.
Feature Article ENT News. Vol 14 number 6. Jan/Feb 2006
Nasal Assesment in deviated noses.
Chisholm E. East C. Badia L.
Rhinoplasty approaches. Current state of the art. Survey.
Badia L
Endoscopic orbital decompression, a new treatment for spontaneous globe luxation
Ezra DG, Badia L
A case of a bullet lodged in anterior ethmoids. Mucociliary clearance at septal perforation repair site
Badia L, East C A
Minerva British Medical Journal.
General health survey (SF-36) in patients with chronic rhinosinusitis and nasal polyposis
Saleh H, Badia L, Lund VJ
Prospective randomized controlled multicentre trial on the use of topical Amphotericin in the treatment of Chronic Rhinosinusitis
G Scadding, V Lund, Badia L
Cochrane review on the effectiveness of Nasal Saline Irrigation
Inverse Correlation of Nasal Polyp size with Vitamin D level
Courses/lectures given by Lydia 2006-2012
The use of Botulinum Toxin in the Face at EAFPS Dublin Sept 2006
Congestion and inflammation International Summit Rome 2006
6th European Congress of EUFOS Rome 2007
Facial plastic surgery with UCL 2007
6th European Congress Vienna 2007
European Rhinological Society Crete 2008
Sinus forum meeting NYC 2010 Advances in Balloon Sinuplasty 2010/11
The 3rd Bergamo Open Rhinoplasty Conference March 2012
Nose and Face World, Rome May 2012
Qmed Academy April 2012
RSM London 2012 14th
British Academic Conference July 2012
Courses/lectures given by Charles 2008-2013
Nasal septal perforation repair- one day live surgery symposium with Prof R. Grenman. RNTNE, London January28th
Royal Society of Medicine,London. Cosmetic Surgery Day, February 25th. Session chair
Menlow Park, CA. Balloon Sinuplasty course March 24th
Course convener, Rhinoplasty and Septal surgery course, UCL April 2rd.
Craniofacial conference- Orbital blowout repair, management of nasal trauma May22-23rd, Royal Institute of Engineers, London
European Academy of Facial plastic surgery meeting, Stresa May 29-30
Septoplasty surgery- Pan Thames training day,June 2rd
ENT UK annual meeting, Sept 5th, London
British Association of Aesthetic and Reconstructive Surgeons, Facial Trauma, Manchester ,September 26th
Pan Thames Nasal and Facial Plastic Surgery course, London, November 11th
North of England Rhinoplasty and Facial Plastic Surgery course, Nov 14th .
1st Bergamo Open Rhinoplasty course,28-29th November.2008 Principle speaker
Pan Arab Plastic Surgery Conference,Tripoli,Libya. April 2009.Invited speaker.
British Academic Conference in Otolaryngology,Liverpool July 2009
24ème Cours Supérieur d'Anatomie Chirurgicale et de Chirurgie Plastique et Esthétique de la Face et du Cou de Nice les 24, 25,26 Septembre 2009.
Lecturer, Intercollegiate Revision Course, Ear Institute UCL March 2010
Rhinoplasty,Facial Plastic Surgery course, UCL. Course convener and lecturer March 2010
2nd Bergamo Open Rhinoplasty course- Principle speaker. March 2010
Sinus Forum Symposium, New York, July 2010.Delegate
European Academy of Facial Plastic Surgery,annual meeting,Antalya Turkey. September 2010 Speaker.
Sinus Forum, New York July 2011.Participant
Rhinoplasty Facial Plastics week- March 2011. Course convener.
RSM Ophthalmology Division.October 2011. Endoscopic Orbital decompression for thyroid orbitopathy. principle speaker
IMCAS Paris January 2012. Invited speaker The Deviated nose after surgery
3rd Bergamo Open Rhinoiplasty Course. Invited international guest speaker, 1-3rd March 2012
Lecturer, Q-Med academy, Royal College of Physicians, London 9th March 2012
EndoVienna, march 29-April 2012 Speaker and symposium moderator
Founding Congres, The Rhinoplasty Society of Europe e.V, Stuttgart April 21st.2012 Speaker and Founder Member. Executive board member.
Lecturer, International Federation of Facial Plastic Surgery Societies Rome, May 2012
Lecturer and Moderator,14th BACO 4-6th July 2012
Invited Lecturer, Royal Society of Medicine Plastic Surgery,9th Octobre 2012. Assesment in rhinoplasty, The Septum, whats new in rhinoplasty ?
Invited lecturer, Plastic Surgery Symposium, Hamburg ,19th November 2012. Open and Close book Technique
The Rhinoplasty Society of Europe :Video Symposium,IMCAS 2013 Paris. January 21st. The Deviated Nose


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$23.99 $95.00
Let us tell you 'bout our best friend...and yes, our best friend is a bag! The amigo bag (adapted from our pal Shara Lotfi's design) is your go-to, carry-everything emotional support system. It has double straps, a front zip pocket, metallic pink lining (inspired by jen's '80s prom dress), and interior words of encouragement + pocket. What more could you need in a friend? Someone who laughs at your jokes? Ok, we'll work on it.
we recommend using a leather care spray before your first use. oh, and try to avoid contact with lighter garments and fabrics, 'cause natural dyes in the leather may rub off and discolor clothing or other items.
maintain your bag's natural beauty by avoiding water, oil, moisture, and makeup. if it accidentally encounters any of these, gently dab the affected area with a clean, dry cloth.
when not in use, keep your bag out of sunlight and in its cozy duster. this will ensure it has a totally amazing life.
You have 30 days to return anything you're unhappy with. Exceptions include personalized items and items marked as final sale. You'll receive a free prepaid shipping label once your return is authorized.


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Products & Services
Here you can find a list of things we've developed or currently maintain.
A telepathic password manager which generates passwords using a shared secret.
A shellcasting client and server.
This is one of many Mastodon instances in what's often called the "fediverse" – think of it kind of like an email service, but for a global social network.
Our instance focuses on keeping a stable server, and protecting the privacy of our users.


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A Juvenile Diabetes fundraiser for the family, featuring polo, ponies and a big party!
Join us on Sunday, November 11, 2018, at the Daniel Field Polo Grounds in Augusta, GA!
There will be 3 full teams playing a round robin match totaling 6 chukkers ( periods of play ).
The gates will open at 11:30am for patrons to start setting up their tailgates and the game will start at 1:00pm.
1775 Highland Avenue
Augusta, GA 30904
Nov 11, 2018 from 11:30 am to 6:00 pmAdd Event to Calendar
We have 2 teams with international players scheduled to play a full match. Half time will feature a 2 chukker youth game, a special musical performance that harkens back to the flapper era, a hat and best dressed contest and divot stomp. A great photo opportunity will be the wooden horse polo trainer at center field for everyone to learn how to swing the mallet and hit a ball. This will be open before, during and after the game and will be constantly staffed by a professional polo player who will give brief lessons. Cars will be allowed to back up to tents only on the sponsor side. City regulations require that general admission side is to be used by blankets and/or lawn chairs only.
Venue Map:


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This past month has been full of a lot of hard work and we've all hit some pretty big milestones.
Me: After about 7 years, I've finally finished all the classes for my bachelors! We moved just before my last semester of college and I've been slowly working on finishing for the past 3 years. One last push through April and I finished my last class! WooHoo!
Ben: Ben finished Law School! When we started, I seriously never thought it would end. Now, Ben graduates in a week. Then it's on to The Bar (and the prep class), work, and Real Life! How did that even happen? Crazy. He has worked so hard over these last 3 years and I'm so proud of him.
Liam: Liam turns 7 months tomorrow (what?!?) and he's grown and learned so much this past month. On his 6 month birthday, we joined some friends for a tour of the Jelly Belly factory. We had a little picnic afterwards and Liam surprised us all by pulling himself up to standing on our soft cooler! This is seriously his favorite thing to do!
|Liam and his new BFF Leo. They were way too interested in the jelly beans to look at the camera.
When we got home from church two Sundays ago, we put Liam down and he suddenly started crawling! Now there's absolutely no stopping him. It's funny though. Even though he's completely mobile now, he still would rather stand up. He'll crawl over to Ben or me and stop just as soon as he can reach our hands and then stand up and walk (holding on to us, of course) the rest of the way.
He's such a fun and funny little guy. I love seeing his personality grow. The other day we decided to let him try his first solids - homemade applesauce - and he absolutely loved it! He's already learned that "mmm" is the proper response as he eagerly grabs for the spoon at each bite. He's even started working on a "good food happy dance" just like his mom... :)


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The bubbling clay pots served at Asian restaurants are always enticing, especially when their lids are removed to reveal the steamy, savory contents. If you don't have a clay pot at home, you can still make your own version in a Dutch oven. Serve this easy braised chicken with Sautéed Bok Choy and some steamed rice to soak up the flavorful sauce.
Game plan: The chicken can be marinated up to a day in advance.


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What mediums have you worked in and which is your favorite? I am a contemporary artist working primarily with acrylics on canvas. I occasionally dabble in pastels and oils. I love working in mixed media and often add gritty, grainy textures to my paint. I've also created paintings using layers of newspaper, paper towels, tissues, string, dried flowers, leaves and more to add extra texture and dimension to the painting. I sometimes work on wood, but generally use stretched … [Read more...]
Profile: Kristen Stein on Roots and Inspiration
Marketing Monday: Truth about Getting Real
Last week I talked about how potential buyers can't be buyers if they can't find you and I showed you lots of different ways to make yourself visible. Visibility by itself is not going to guarantee sales you'll have to do a bit more to get to that point. The "bit more" I'm talking about is developing a relationship with your potential buyers so they can trust you enough to give you their hard earned Dinero. Any discussion of the kind of … [Read more...]
Marketing Monday: The Art of Being a Beacon
Last week we talked about the importance of knowing who is likely to buy your work and what it is your work does for them that makes them want it. The importance of really getting down and working out something that reflects both you and your work, helps you by giving you a strong understanding of your market and the beginning of a real tool to help you both stay focused and remain flexible in changing times. The other main purpose of knowing your Who and What is the … [Read more...]
Marketing Mondays: Don't miss the real costs
The final step in this part of the game, kind of involves looking backwards. See, the venues and the details required to turn them into winners is not free, and I'm not just talkin' about money either. There is something equally important as money here, in economics it is called "opportunity Cost" or the cost of choosing a course of action that when added to the monetary cost tells you the actual cost of what you chose to do. … [Read more...]
Jane Campbell talks about Marketing
Tell us about your marketing journey How did you start? Wow it has been a "journey"! Just a few years ago, which seems like only months, I had no idea what a blog was, -html, a widget, etc… It has been quite a learning experience. A whole world I never knew existed. Where as I once worked 9 to 5, I now work sometimes 10 to 14 hours a day. I love it so I doesn't feel like I work that long. Usually it's only when the family starts hollering that I quit for … [Read more...]
Jane Campbell on roots and influences
First, tell me about your work? My work is full of color, fun, it's folky but with a modern/contemporary edge. 90% of the time I sit down to a blank canvas, nothing drawn out or preconcieved, and I paint until I'm happy. My angels come to life on their own. Their eyes usually follow you, have a different expression on each side of their face, & uneven whimsical features which I feel gives them a special character & it makes me love painting them. They are my … [Read more...]
Featured Artist: Jane Campbell talks about vision and lessons
What is your vision for your art? This is a difficult question because art is an evolution of self. It's living. My vision for my art today may not be the same in a year or 2 or 3 or… At this point my vision is to honor God with my art, and make others happy, inspired and have my art provide for the necessities & luxuries in life. What do you see your work doing for those who buy it? I would like my art to touch people, enhance their lives or a little corner of it, and make … [Read more...]
Marketing Monday: Getting Focused
The Problem Most people identify themselves by a label when they are asked what they do or even when they think of themselves in terms of their work. So you might identify yourself as an artist or, I might think of myself as a photographer, well as you see, sticking a label on us doesn't really help us attract qualified buyers. It also doesn't help us develop and use a finely focused vision of who we really serve and what we really do. We just continue skipping around in la-la land … [Read more...]
Christy DeKoning on vision, sales and advice
What is your vision for your art? To create something uniquely beautiful that captures a moment in a person's life. What do you see your working doing for those who buy it? It makes the buyers very happy to see their loved ones presented in a way that is entirely different than what they might expect from an oil artist or a photographer. To keep it simple, it makes people smile. What has been the reaction to making your work available in non-traditional ways, like mugs, … [Read more...]
Christy DeKoning on Marketing Art
Tell us about your marketing journey… How did you start? When did you discover that you needed to market? It's funny, but marketing seems to have come naturally to me. I used to work in offices as a marketing/creative assistant, so when I decided that I was ready to work at portraits on a full-time basis, it seemed logical to start talking to people online about it. I joined Etsy and that really got the ball rolling. My work tends to market itself, because people love … [Read more...]
Marketing Monday: 8 Ways to Turn Fans Into Missionaries
So people have said they luv your work and they know a lot of folks who would luv it also but your studio doors aren't coming unhinged by hoards of adoring fans from "what's her name". What's that all about? "What's her name" said she was going to send her neighbor your way but that was last year and nobody showed up saying "what's her name" sent them. You have now arrived at your goal of gathering raving fans, buyers all … [Read more...]
"Peoplewatch" your way to your perfect buyer
So the show season is almost in full swing and you are beginning to shlep your stuff hither and yon to all corners of this country. If you are a gallery shower you might be shlepping or you may just be busy cold calling local galleries. Either way now is the time to start thinking about some very important stuff…like where is this artsyfartsy biz of yours going and how can you not starve. Now is the perfect time to start paying attention to those mysterious folks who buy that … [Read more...]


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Michael Rytz - Die Stadt
400 DKK / Apx. 54 €
4 color risograph print on Munken Pure 240g
21 x 29,7 centimetres
Year 2017
Edition of 99
Signed and numbered by the artist
Michael Rytz (f.1975) is a self-thought artist and illustrator. He has a steady hand, and a big passion for old paper with a patina. He also paint and do collages. He has illustrated for Euroman, The Guardian and Politiken to name a few. In 2016 Rytz did his first solo show at Limited Works, with more to come!


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Author's Archive: Sukhjit
Perfect Gift for a Baby Shower
Posted on August 3, 2015 in Ideas by Sukhjit
It's quite exciting when someone is expecting a baby, and even better when it's not me, as I'm not prepared
Shaver for Valentine's Day
Posted on March 3, 2015 in Love by Sukhjit
Valentine's Day was knocking at the door and I was still undecided about what should I buy for my boyfriend.
Clothing Trends for Women in 2015
Posted on November 20, 2014 in Trend by Sukhjit
Women are very cautious when choosing the clothes they buy and wear on different occasions. Wearing the right clothes at


text: Preston Chiropractic Care for Leg PainLeg Pain Relief At Last When it comes to dealing with leg pain, the problem is rarely with the leg at all. For instance, if the pain would be shooting down the back of your leg and making your little toe numb, the issue is likely your L5S1 disc pressing on a nerve. If you haven't guessed yet, at Chiropractic Associates, we think that determining leg pain can be enjoyable. But we understand leg pain is not fun for you. When you find out that it's coming from the spine, it's even more worrying. You wonder, "How do I alleviate leg pain that's coming from my spine?" Chiropractic Associates's Cox Technic Chiropractic Associates offers leg pain (aka sciatica) relief to Preston residents with Cox Technic Flexion Distraction and Decompression, a non-surgical chiropractic treatment shown to alleviate leg pain - along with related lower back pain - and assist in controlling it. Let us have 30 days. The goal of the treatment is 50% alleviation of leg pain in 30 days, though most patients find up to 100% relief and often much more speedily. Many of our patients even continue working during care. Just know that you won't have to be under care forever. Our goal is to get you back to your normal life as quickly as possible. Chiropractic Associates tracks your progress at every visit. As you heal, the number of visits is reduced. 91% of Cox Technic patients have pain relief at the end of treatment. That's a huge percentage! Unfortunately, there is no cure for back and leg pain - yet. But at Chiropractic Associates we understand your pain and assist patients like you each and every day. We want you to enjoy your life more fully, and we're certain that we can help you obtain relief and start to control your leg pain to do so. Check out our website for more information on... Spine Pain Conditions We Treat How Long Until I Feel Better? Treatment Plan Chiropractic Services Leg Pain Relief Back Exercises Then, schedule an appointment with Chiropractic Associates, your Preston chiropractic back pain specialist to start the path to leg pain relief. "This information and website content is not intended to diagnose, guarantee results, or recommend specific treatment or activity. It is designed to educate and inform only. Please consult your physician for a thorough examination leading to a diagnosis and well-planned treatment strategy. See more details on the DISCLAIMER page."


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Internet Relay Chats
Internet Relay Chat(IRCs) are a popular off-wiki hangout of Wikipedians. #wikimedia-in connect is the most popular among them among the Indian Wikimedian community and the official Wikimedia India channel. There are also several Indian Language IRC channels like #wikipedia-ml connect, #wikipedia-kn connect etc
From time to time, Wikimedia India conduct planned online IRC chat sessions.This generally comes with a set agenda. These sessions provide Wikimedia community members in India the opportunity to discuss specific topics, ask questions, provide feedback & suggestions and share ideas during the session. The pre-announced sessions are logged.
Announcements are made on this page, and on the wikimediaindia-l & Wikimedia India chapter members mailing lists.
How to participate
If you haven't used IRC before, it may be easiest to use a web client; this means you don't have to install any software on your computer. Just click here to join in, and then choose a username when prompted: http://webchat.freenode.net/?channels=wikimedia-in You may be prompted to click through a security warning. It's fine. Another option is used a Mozilla Firefox Browser Addon like Chatzilla
For more information about IRC software you can install on your computer, go to the Wikipedia entry on IRC or the Meta page on Wikimedia IRC. If using dedicated software, connect to the channel #wikimedia-in on the freenode network.
Upcoming Planned Session
|09 April 2017 9 April 2017
|09:00-10:30pm (IST)
|#wikimedia-in connect
|Csyogi, Abhijeet Safai, Kishore
|Q&A with candidates contesting WMIN Executive Committee Elections 2016.
Past sessions
|#wikimedia-in connect
|Wikimedia India Official Channel
|#wikipedia-en connect
|English lang Wikimedia Projects
|##wikimedia-commons connect
|Wikimedia Commons
|#wikipedia-kn connect
|Kannada /en
|Kannada Wikimedia Projects
|#wikimedia-hi connect
|हिन्दी / English
|Hindi Wikimedia Projects
|#wikipedia-ml connect
|Malayalam Wikimedia Projects
|#wikipedia-or connect
|Oriya / Odia
|Odia Wikimedia Projects
|#wikipedia-gu connect
|Gujarati /en
|Gujarati Wikimedia Projects
For a full list of Wikimedia Related IRC channels, see IRC/Channels.


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Soft Sauna
We call it Soft Sauna – a gentle way to share a pleasurable experience.
Relax in the sauna for a few moments more.
Enjoy softer warmth, your way.
You and your family will enjoy softer heat in a sauna room fitted with one of our combi-heaters, and the gentler steam and invigorating fragrances will heighten the experience.


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While we hope the information we have provided here is helpful to you, we do not pretend to be able to answer all the questions you may wish to ask. Please do not hesitate to send an email to firstname.lastname@example.com if you would like to suggest an issue to appear in these FAQs or if you would like to ask us a question. We will email you back with an answer as best we can.
Alternatively, if you would like advice about a whistleblowing concern you have, please ring our Whistleblowing Advice Line on 020 7404 6609.
- What is whistleblowing?
- Why should I blow the whistle?
- What is the difference between making a complaint and blowing the whistle?
- Isn't a whistleblower a snitch / grass / tattle-tale / rat ?
- How do I blow the whistle?
- How can Public Concern at Work help me blow the whistle?
- Will Public Concern at Work tell my employer anything about my concerns or reveal my identity to my employer?
- Should I blow the whistle anonymously?
- What is the difference between anonymity and confidentiality?
- Does the Public Interest Disclosure Act require an employer to keep a whistleblower's identity secret?
- Don't all whistleblowers get fired?
- Do whistleblowers have legal protection?
- Will I be legally liable if I do not blow the whistle?
- Does the Public Interest Disclosure Act say that a worker must raise a concern about possible wrongdoing with their employer in the first instance?
- Does a gagging clause in my contract of employment prevent me from blowing the whistle?
- Does the Public Interest Disclosure Act require an employer to have a whistleblowing policy?
- I do not live in the United Kingdom, where can I get advice and information on whistleblowing?


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While starting to develop Remoting 3 services in earnest, it occurs to me that the term "group name" is a bit confusing. It identifies a unique instance of a service within an endpoint more than anything. So I'd like to put the idea of changing this method name on the table, before we lock in to a final release in AS.
The reason "group name" was chosen was that it was intended that same-named instances of services located on different endpoints could act as a "group" of which the service is a member. However in most actual use cases I think this is going to be a secondary application; generally the name will be used to distinguish between more than one instance of the same service type on a single endpoint.
The change is mainly a documentation-only change, however a few public members are affected. The get/setGroupName methods in the service builder and service listener APIs would be renamed, and the ServiceURI.getGroupName() and validateGroupName() methods would be renamed. Finally, the remoting-3.1 XML schema would have the group-name attributes renamed.
Unless anyone has any screaming objections to this, I'll plan on it for Beta3.
No objections.
So, service type and group (instance) name are analogous to interface and implementation, I guess, so the name could be derived from that analogy, as well. But "instanceName" seems OK, too.


text: Medicaid as a source for LTC will become less viable Print Connect Email Facebook Twitter LinkedIn Google+ By Jon Shreve | 01 October 2005 What is the current long-term care funding under Medicaid?Medicaid currently covers about two-thirds of nursing home residents, but this payment system is already stretched to its limit and will only get worse. Current Medicaid reimbursement rates are just 72% of the amount paid by private insurance and fewer facilities are willing to take new Medicaid patients. Currently, Medicaid cannot increase its reimbursement to providers because both Federal and State governments are experiencing budget crises while at the same time looking for ways to reduce Medicaid spending. State governments currently spend about 15% of their budget on Medicaid with over 70% of that going towards long-term care.However, even when Medicaid does cover patients' long-term care needs, it comes at a very high price to the patients and their families. The typical Medicaid applicant's spouse in 2005 will have to spend down to $19,020 in remaining assets to qualify for long-term care through Medicaid. In addition, there is a three-year lookback period to ensure that the applicant didn't give their money away. These qualifications can be devastating to the patient, and especially difficult for a spouse who does not need long-term care, but is now subject to strict financial limitations. Even when Medicaid does cover patients, it barely covers the patients' costs and may severely limit the type of facilities in which they are able to live.What lies ahead for Medicaid and long-term care coverage?While the situation currently seems bad for the Medicaid reimbursement system, this situation will intensify as long-term care costs are expected to increase at a rate significantly outpacing inflation for the next 25 to 50 years. This increase will put additional pressure on state and federal governments to sufficiently fund the Medicaid program. Often, the typical state budgeting mindset is that the budgets should only increase in pace with inflation, which could mean Medicaid programs will be severely under-funded. The result of this under-funding is likely meaning that Medicaid coverage will have to get worse. Lower benefits, tighter eligibility requirements, and a longer asset lookback period could all be consequences.As a result, the hole in the typical American's insurance safety net will grow.What role do employers play in this crisis?Employers are a natural candidate to help solve this funding crisis. Offering true group long-term care coverage will protect against employees having to financially devastate themselves in order to qualify for Medicaid. Currently, almost 60% of people have dental coverage, which is convenient for employees, but offers no meaningful protection against financial disaster. Long-term care coverage can be designed to cost less than dental coverage and offer a much more valuable benefit.Many Americans mistakenly believe that their medical insurance or Medicare will cover their long-term care needs. This is simply not the case. The American employer is in a unique position to both help educate their employees about the risks they face without long-term care coverage as well as sponsoring a long-term care plan to ensure that their employees are covered.Why is true group long-term care so important?Many Americans will have no way to pay for long-term care services when they are needed.Insurance for long-term care will not become widespread if only available on an individual basis, which means that the change will need to come first from employers.Group coverage needs to include employer contributions to make it affordable to employees and vesting to make it affordable to employers. Next steps Contact us Employee Benefits and Investment Defined benefit plansDefined contribution plansInvestment See all topics HealthcareAffordable Care Act researchHealthcare costsHealthcare reform 2.0Healthcare reform reading list: From the ACA archivesLong-term care insurance MedicaidMedical professional liabilityMedicareMedicare ACOs and Alternative Payment ModelsProviderEmployee Benefits and InvestmentDefined benefit plansDefined contribution plansInvestmentInsuranceAnalytics and modelingCatastrophe risk and insurance-linked securitiesInsurtechLife insuranceLong-term care insuranceMedical professional liabilityProperty and casualty insuranceRisk managementSolvency IITelematicsRisk Management and Financial ServicesEnterprise risk management Related links Required minimum distributions: IRS proposes updated tablesStochastic modeling to reflect investment risk in funding liabilities for pension plansMonthly Benefit News and Developments, November 20192020 key administrative dates and deadlines for calendar-year single-employer defined benefit plansSix challenges to successful adoption of value-based care in the Middle East


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Russell Hobbs RHM2364SS Review Digital Microwave, 23 Litre, Stainless Steel
check availability, more reviews and to order now...
Link Found
Price at Amazon.co.uk ↵
some of our visitors just want to see reviews from actual buyers…
See What People Are Saying About This Microwave! 😮
See Real Buyer Reviews at Amazon.co.uk – Here
We looked at this device and the Features of the Russell Hobbs RHM2364SS and here's what we found…
Manufacturer: Russel Hobbs
Model: RHM2364SS
Category: kitchen appliance
Technology: Digital
Type: Microwave
Color: Stainless-steel with black outlining
Weight: 15 kg
Volume: 53.8 x 43.3 x 33 cm
Capacity: 23L
Power Usage: 800 W
Other important features:
Freestanding sleek appearance
Weight defrost plus time defrost & auto-cook buttons
Promising results
Easy & understandable usage On/Off push buttons
Advanced rotatory controls 24-hour digital clock
Light weight & durable/ rust-free interior cavity
Your product box will contain: Microwave 1x Warranty card 1 x User manual 1 + Accessories
If you want to enjoy your favorite meals, then You are just one click away from it! Bring this Russell Hobbs RHM2364SS digital microwave today to enjoy lavish cooking experience. It comes to you in a stainless-steel with black-lining color with an appealing design bearing a modern look front mirrored door. Its 23 L durable & easy to clean cavity will comfortably fit a standard size dinner plate. It offers you with auto-defrost/weight-defrost & advanced auto-cook settings. The glass turntable is removable and friendly with your dishwasher. It comes with advanced on/off buttons for your swift operating. You can set your cooking program according to your cooking quantity and quality using its advanced auto-cook and auto-defrost settings. You can set these programs for you with the help of these swift rotatory buttons and other user-friendly push-buttons. These cooking programs you set are protected by child-lock technology from little fingers thus keeping them un-changed. With this transparent front window and an auto interior light, you can easily look at the food for checks. It is suitable for all family sizes cooking requirements.
Detailed Microwave Specifications and the Latest Price…
Go Direct to This Item on Amazon


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Healing Rituals for the New Year
What do you Worship?
I was reading a book recently by Caroline Casey and came upon an interesting distinction:
'When you want to see what a person worships, look at where they spend their time.'
Time is the most precious offering we can make.
So if you are having trouble clearing a story from the past, or letting go of someone or something, how do you make an offering of your time to that thing you most want to release? It's paradoxical, because most of us don't want to give it any more time. We're done with it.
If you still feel it viscerally, you're not done with it.
A ritual that is beautiful to you, aligned with it's purpose, and completely original.
An example:
Years ago I was talking to a client who was having trouble letting go of his father. After some exploration, I discovered that his ashes were still on the mantle. Over the course of a few conversations, he decided it was time to pour his father's ashes out over the Pacific ocean. I encouraged him to create a compelling ritual.
Instead of just driving to the coast, dumping them out, and driving hope to sink into comfortable behaviors, what would be even more powerful?
"You only get to do this once, and if you do it right, once is all it will take."
As we explored this, I discovered that his father had taught him to build surf boards, and he grew up, he and his father used to build them together. There was one board that they begun but never completed. It needed the finishing touches, so that it could be brought out into the ocean and enjoyed.
I suggested finishing the board, slowly and deliberately, as an homage, imagining his father was there with him. And then taking his father's ashes out with the board they had made, and releasing him into the bosom of the ocean they so loved together.
Time is precious. The ones we love and lose are precious. Our bliss and our exquisite pain is precious.
On the path of healing and evolution, I don't believe there are shortcuts. There is only moving in alignment with your calling, and heeding (or ignoring) the signs that show up along the way. Many illnesses, traumas, pains, are either signposts or the residue of signs you've been ignoring. Sacred messages.
Since I live far from the city, many can't make the journey out. A session might take a day or so. I sometimes wonder… what is more precious than a sojourn into the green forest to embark on deep healing? A graduation? A wedding? A business meeting? A casual gathering? A date? A movie night?
I invite you to go into the new year with this framework in mind, and decide what you used to worship, and perhaps what you can worship now, or where you can pour your energy so that life becomes even more fulfilling.
Create Your Compelling Ritual
Create some rituals for letting go of what no longer serves you. Sometimes just creating the ritual releases what you wanted to release. Sometimes it requires performing it. The only one that knows is you.
Make them as meaningful as you possibly can. Layer meaning on. For instance: While you're writing him a letter you'll never send, listen to the song that was a anthem of your love. Go to the top of the mountain where he proposed to you. Fold the letter into a paper swan and let it fly. Goodbye.
It's not purely tragedy, this thing that happened. There is beauty in it, somewhere. The beauty is often in the center of the pain.
Discover THAT,and you've found the deepest healing of all.
Love and Flow,


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A California Public Employees' Retirement System committee Tuesday approved a proposal that would include the higher pay of temporarily promoted employees. Opponents say that could create opportunities for fraud. A vote could come Wednesday.
Christy Bouma with the California Professional Firefighters Union says it's only fair that people who temporarily do the same jobs as permanent employees should earn the same pay and pension.
"They are working in that position," says Bouma. "They are performing the duties that all of their peers would be performing in that upgraded position."
The Brown Administration opposes adding the temporary assignment classification to CalPERS' new pension rules.
Eric Stern with the Department of Finance says that would overstep a 2012 pension reform law.
"This disregards the rule that pensions will be based on normal monthly pay and not on short-term ad hoc pay increases," he says.
According to the law, unused vacation pay or paid leave also cannot be used in calculating retirement pay.
The board is considering more than 100 new eligibility classifications.