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1.1 Any reference in these terms of business to "we", "our" and "us" is to AccendoFX Limited. Any reference to "you" and "your" means you as a customer of our Services (as defined at clause 5.1 below).
1.2 We are registered with the Financial Conduct Authority (the "FCA") as a small payment institution. Our FCA Register number is 671133. You can check this on the Financial Services Register (Payment Services Firm Search) by visiting the FCA's website www.fsa.gov.uk/register/psdFirmSearchForm.do or by contacting the FCA on 0800 111 6768. The FCA's registered address is 25 The North Colonnade, Canary Wharf, London, E14 5HS. References to the FCA shall include any successor, governing or regulatory body that may replace, supersede or take over any of the functions of the FCA.
1.3 Our registered office is 1 Alie Street, Suite 306, London, England E1 8DE and we are registered in England and Wales with company number 09269365. Our website is www.accendofx.com.
1.4 We are also registered with HM Revenue and Customs as a money services business with HMRC number 12798406.
1.5 Any reference to "Business Day" means any day other than a Saturday, Sunday or public holiday where the banks in London are closed for business.
2.1 The contract between you and us includes these terms of business and any additional terms and conditions issued by us in respect of the Services (together referred to as the "Terms").
2.2 These Terms apply solely to the Services and do not apply to any other services we may supply to you.
2.3 You may request a copy of these Terms from us at any time during the term of the Contract (as defined at clause 4.2 below).
2.4 Please click on the button marked "I Accept" on our website if you accept these Terms. Alternatively, you may download and print a copy of these Terms to sign and return to us at [email protected] or 1 Alie Street, London, England E1 8DE. Please understand that if you refuse to accept these Terms, you will not be able to order any Services from us.
3.1 Before we can accept any instructions from you or provide any Services to you, you must complete our online application form for our approval and acceptance in order to open a user account with us. If we do not accept your application, we will inform you of this, but unfortunately it means we cannot provide any Services to you. In the case of corporate accounts, you must give us the names and contact details of individuals who are authorised to instruct us on the client's behalf (nominating a "primary" user and "secondary" users) ("Authorised Individuals"). We will only accept instructions from such Authorised Individuals, unless otherwise agreed with the client.
3.2 We are obliged under money laundering legislation to verify your identity (and your beneficial owners and one or more directors in respect of corporate accounts) and to keep your information up-to-date. We usually verify the identity of our clients electronically, but we may need to request paper identification (for example your passport and two utility bills). By completing the application form, you consent to us verifying your name, address and other personal information against appropriate third party databases. In performing these checks, personal information provided by you may be disclosed to a registered Credit Reference Agency which may keep a record of that information. You can rest assured that your credit rating will be unaffected. All information provided by you will be treated securely and strictly in accordance with the Data Protection Act 1998 and the General Data Protection Regulation (GDPR) (Regulation (EU) 2016/679) when it comes into effect (together the "Data Protection Legislation") and clause 14. Our suppliers (for example, our payment platform provider, banks and other payment service providers) may also need to verify your identity and the identity of any recipient of FX Transfers in the same or similar way that we do. These suppliers are authorised to use such information only as necessary to execute transactions and/or provide the Services and to assess their risk in doing so. Please contact us if you have any queries.
3.3 You are responsible for ensuring all details in the application form are correct and up-to-date.
4.1 These Terms govern all instructions you send to us to execute FX Trades or FX Transfers (as defined in clause 5.1 below). Your instruction constitutes an offer to us to purchase our Services. All instructions will be taken over the telephone or by email or by accessing an online portal (which is run by our payment platform provider) and are subject to acceptance by us, and we (or our payment platform provider) will confirm acceptance to you by sending you an e-mail confirmation ("Trade Confirmation" and "Confirmed" should be interpreted accordingly). Please note that we record all telephone conversations with you for our own records and monitoring purposes and you acknowledge and agree to the recording of telephone conversations with or without an automatic tone warning device, and the use of such recordings as evidence by us in any dispute or potential dispute between us. All information provided by you will be treated securely and strictly in accordance with the Data Protection Legislation and clause 14.
4.2 Prices for FX Trades will be quoted over the telephone (or by email if you have contacted us by email or via the online portal), and the order type agreed with you (being either a Spot Contract or a Forward Contract, as identified in clause 7.1). We may use our complete discretion in deciding whether to accept or refuse your instructions for FX Trades, for example, we may refuse an instruction if the currency you are requesting is in a jurisdiction that we deem to be high risk or involve a high level of complexity. The contract between us for the purchase of our Services ("Contract") will only be formed when we send you the Trade Confirmation. Each Contract for Services shall be governed by these Terms.
4.3 The Contract shall continue until terminated in accordance with clause 19.
5.1 Subject to your application form being accepted by us (as set out in clause 3.1), we agree to provide a foreign exchange service to you which includes executing your instructions for buying and selling foreign currencies ("FX Trade") for personal or commercial purposes and transferring any proceeds of an FX Trade to you or to an authorised third party ("FX Transfer") (together, the "Services") in accordance with these Terms. We will remit the FX Transfer to the onward payment account you have specified unless we are otherwise prevented to do so by applicable law.
5.2 You acknowledge and agree that we have the right, at any time, to amend our operating procedures (being the way we deliver the Services to you) and/or our suppliers effective immediately, where appropriate in our determination.
5.3 You may send us your instructions for our Services via email to [email protected] or by calling us on 0203 030 4500 or by accessing the online portal on our website at www.accendofx.com. We reserve the right to require written confirmation of your instruction. All instructions must be clear and in English. We will send you a Trade Confirmation if your instructions for Services have been accepted by us. By giving us your instructions you are consenting to us and/or our suppliers processing the FX Trade (with our appointed prime broker) or the FX Transfer and you will become liable for the payments set out in clause 7.
5.4 FX Transfers: You may withdraw your consent to processing FX Transfers if you give us clear notice in writing (which may be by email or telephone up until 16:30 (GMT) on the Business Day before the day such FX Transfer is due to take place or if we agree in writing that you can cancel such FX Transfer.
5.5 FX Trades: In relation to FX Trades, as soon as we receive your instructions we become legally bound to purchase or sell the relevant foreign currency so you cannot withdraw your consent to us processing the FX Trades. This is one reason why we record your telephone calls (pursuant to clause 4.1). We may agree in writing that you can cancel such FX Trade (at our complete discretion), but you would incur all of the costs and charges that we have incurred, and you may only receive the base currency back which may be less than you originally instructed us to process and you may be required to pay us an amount in respect of such loss.
5.6 If your notice pursuant to clause 5.4 is not clear, we will not be obliged to cancel such FX Transfer.
5.7 If you have withdrawn your consent in accordance with clause 5.4, we shall be entitled to treat the Contract as terminated in accordance with clause 19.
5.8 If you are a consumer, you acknowledge and agree that you have no right to cancel a service once we have fully performed our obligations which, in respect of FX Transfers must be carried out by 16:30 (GMT) on the Business Day before the day such FX Transfer is due to take place (pursuant to clause 5.4) or in respect of FX Trades must be carried out immediately (pursuant to clause 5.5).
5.9 We will provide you with login details to access the online portal and you agree to keep the login details, password and any other security features safe and secure and not to share them with anyone else. It is your responsibility to ensure that the Services can only be accessed by you. If you become aware or suspect that any of these security features have been stolen or misappropriated or used without authorisation or otherwise compromised you must notify us without delay via email to [email protected] or by calling us on 0203 030 4500. Any undue delay in notifying us may affect the security of the online portal and/or result in us not being liable for any of your resulting losses.
5.10 You will be entirely responsible for your internet connectivity and your software and equipment compatibility in order to access the online portal.
5.11 We will tell you what the maximum execution time is (if required by applicable law).
5.12 In the Trade Confirmation we will provide you with a reference to the time of receipt of an FX Trade or FX Transfer and tell you what the date will be that the FX Trade will mature and be eligible to be sent to you (the "Value Date"). The Trade Confirmation will also include a form that we require you to complete and return to us (an "Onward Transfer Details Form") which contains the details of onward payment for the FX Transfer, which may be subject to anti-money laundering checks and/or Suspicious Activity Reports (SARs).
5.13 You acknowledge and agree that the Services can only be carried out during the times in which banks accept and process the FX Trades and FX Transfers. Please be aware that banks have strict cut-off times and we accept no liability for any delay in or failure of any FX Trade or FX Transfer that results from late funds or late receipt of instructions. Please see our website for the relevant cut-off times.
5.14 You acknowledge and agree that we are not responsible or liable for the acts and/or omissions of the banks and/or payees, provided such acts or omissions are not caused by our breach of the Contract, our negligence or our wilful default.
5.15 You acknowledge and agree that we only deliver FX Trades and FX Transfers and specifically that we do not and will not provide any advice or recommendations to you in relation to carrying out the Services. Any information we provide to you on our website or in any other form (whether in writing or verbally) is intended to be general information only and you agree not to treat such information as advice or recommendations. You have complete responsibility for deciding to order the Services from us.
5.16 We, or our suppliers, may have to suspend or refuse to perform the Services or suspend access to the online portal or otherwise restrict functionality if:
5.16.1 there is an unauthorised, fraudulent, illegal or disruptive use or security of the Services or the online portal;
5.16.2 our website, the online portal or the technology that we use fails to work (in whole or in part) or is subject to scheduled or unscheduled maintenance (please also see our website terms of use which state that we cannot promise that our website will be available uninterrupted);
5.16.3 our agreement with our supplier(s) terminates and/or is suspended (in whole or in part);
5.16.4 you materially breach your obligations under these Terms, including without limitation if you fail to make a payment when due;
5.16.5 there is broad-based market failure;
5.16.6 there is an Event Outside Our Control (as defined in clause 20); or
5.16.7 in order to comply with applicable law.
We will notify you of any such suspension or restriction and our reasons for doing this (if practically possible, in advance) unless notifying you would be unlawful. Such suspension or restriction shall continue for such time as we shall reasonably determine to be necessary.
6.1 You confirm to us that:
6.1.1 you will co-operate with our reasonable requests for information and provide such information within two (2) Business Days of our request;
6.1.2 you are legally capable of entering into binding contracts and you are at least 18 years old;
6.1.3 you are not under any legal disability with respect to and are not subject to any law or regulation which prevents your performance of the Contract;
6.1.4 you have obtained all necessary consents and have the authority to enter into the Contract;
6.1.5 you will use our Services for lawful purposes and will comply with all laws and regulations to which you
are subject, including but not limited to, local financial regulations and local tax laws;
6.1.6 you are entering into the Contract as principal and not as another party's agent for any third party whose identity has not been disclosed to us;
6.1.7 if applicable, each of your Authorised Individuals is properly and lawfully appointed and has the full capacity and authority to place instructions for our Services on behalf of the client;
6.1.8 all information that you supply to us (directly or indirectly) is complete, true, accurate, up-to-date and not misleading in any material respect (this includes without limitation information relating to your application form and any and all of your instructions for the Services);
6.1.9 you will not act in any way, other than in the normal course of business, which seeks to manipulate the relevant financial market;
6.1.10 you shall not interfere with, disrupt, or cause damage to users of the Services or to the online portal;
6.1.11 you will not use the Services for any speculative or investment purposes (as defined by the Financial Services and Market Acts 2000) or any other trade where you are trying to profit from exchange rate fluctuations;
6.1.12 you will rely on your own judgement in respect of the FX Trades and not rely on any information or opinion provided by us;
6.1.13 you will be responsible for your payment methods (including any terms of use of the payment method) and your account details with us and ensure such details are safe;
6.1.14 you will inform us immediately in accordance with clause 16 if your payment method (for example, your credit or debit card) or password is stolen, lost or otherwise no longer safe; and
6.1.15 you will inform us without undue delay, and in any event no later than 13 months after the debit date, on becoming aware of any unauthorised or incorrectly executed FX Transfer.
6.2 The confirmations set out in clause 6.1 are made by you on the date of the Contract and are deemed to be repeated on each day the Contract is in full force and effect.
6.3 You must immediately inform us, in writing, of any material changes to the information you provide to us in your original application form, such as changes to your contact details or any adverse matters or changes relating to your financial status.
7.1 The payment deadlines for Spot Contracts and Forward Contracts are set out in the table below:
|Type of FX Trade
|Deadline for sending trade amount (as set out in the Trade Confirmation)
|Spot Contract (an instruction to buy and sell currency where the Value Date is within two Business Days from the date when the currency was bought and sold)
|We must be in receipt of cleared funds from you no later than 12 noon on (or before) the day specified in the Trade Confirmation.
|Forward Contract (an instruction to buy and sell currency where the Value Date is more than two Business Days from the date when the currency was bought and sold)
|You shall pay this in two parts:
1. The initial margin (the details and amount of which will be supplied to you in the Trade Confirmation) must be paid by you in cleared funds no later than 12 noon on (or before) the day specified in the Trade Confirmation.
2. The second part is payment in full (i.e. the balance of the Forward Contract) (the details and amount of which will be supplied to you in the Trade Confirmation), for which we must have cleared funds by 12 noon on (or before) the day specified in the Trade Confirmation (i.e. the Value Date).
7.2 We may require additional sums from you if the outcome of your Spot Contract or Forward Contract is negative to what you paid, i.e. there is a shortfall. We may also require additional sums if there is an adverse variation in the exchange rate whilst the Spot Contract or Forward Contract is open, in order to set-off the increased risk to us. We will contact you about this if it occurs and you must pay any such required sum to us in cleared funds within one Business Day. We may require you to immediately send proof that you have instructed your bank to pay us the additional amounts we require. Failure to provide us with this proof on demand may result in a Close Out of your position (a "Close Out" means any action we may take to close out, cover or reduce our exposure in relation to the relevant FX Trade).
7.3 We may also charge you (at our discretion) if you decide to draw down all or part of your Forward Contract early, in order to cover the costs that we incur (for example, a £10 processing fee, the interest rate differential and/or costs of the market loss). We will contact you about this and provide you with the exact costs that we propose to charge you before executing your instructions. If you accept our costs and want to proceed with drawing down all or part of your Forward Contract early, then you must pay any such required costs to us in cleared funds within one Business Day of us providing the costs to you.
7.4 Failure to meet the payment deadlines set out in clauses 7.1, 7.2 and/or those set out in clause 7.3 and/or failure to send immediate proof required pursuant to clause 7.2 will be treated as a serious breach of the Contract and we may (at our complete discretion):
7.4.1 close the FX Trade (please note that you could be liable for our costs incurred in exiting the FX Trade);
7.4.2 charge interest in accordance with clause 8.3 (if applicable); and/or
7.4.3 terminate the Contract in accordance with clause 19.2.
7.5 Failure to pay any of the amounts due under these Terms shall entitle us to pursue such breach as a debt claim pursuant to clause 23.9 and charge interest in accordance with clause 8.3.
8.1 You must pay all sums due to us in the currency set out in the Contract by way of electronic transfer (we do not accept cash or debit or credit cards). The bank account details for your payments will be set out in the Trade Confirmation and we may also send them to you by email.
8.2 In the Trade Confirmation, we will send you a reference number, confirmation of the amount paid (in the applicable currently), the exchange rate of the FX Trade, the Value Date and the amount and date of any FX Transfer processed.
8.3 In the event of non-payment by the due date of any sum due to us, we will be entitled to charge interest on the amount outstanding at a rate of 4% per annum above the base rate from time to time of the Bank of England.
8.4 We may at any time set off any liability of yours which we incur relating to the Contract (whether present or future, liquidated or unliquidated). If the liabilities to be set off are expressed in different currencies, we may convert either liability at a market rate of exchange for the purpose of set-off. Any exercise by us of our rights under this clause shall not limit or affect any other rights or remedies available to us under the Contract or otherwise.
8.5 All monies due to us under these Terms shall be made in full without set-off, counter-claim or deduction whatsoever.
8.6 If we are required by any law to make any tax, withholding tax or other similar payments or deductions in respect of the Services, we shall be entitled to deduct such amount from you or charge such amount to you.
9.1 Any money we (and our payment platform provider) hold in a payment account for you will only be used in relation to the Services.
9.2 You acknowledge and agree that you cannot change the currency of your payment account once a FX Transfer has been accepted by us.
9.3 You acknowledge and agree that no interest shall be paid on any sums we hold for you.
10.1 As a small payment institution, we must comply with certain provisions of the Payment Services Regulations 2009 (as amended, repealed or replaced) ("Regulations"). These Regulations are there to help protect you and your money when we process FX Transfers for you (not the FX Trade). The Regulations apply to the Contract where the recipient of the money from the FX Transfer is based in the European Economic Area ("EEA") and where the FX Transfer is in sterling, euro, or in the currency of another EEA state that has not adopted the euro.
10.2 We will make FX Transfers to you as soon as practicable on the next Business Day following the Value Date, provided you have given us your onward payment instructions and we have received all funds due from you in cleared funds.
10.3 You must tell us as soon as possible so that we can investigate if:
10.3.1 we have processed an FX Transfer which you do not believe you gave your consent to;
10.3.2 we have failed to execute an FX Transfer that you gave your consent to; or
10.3.3 we have executed an FX Transfer incorrectly,
(each a "Failure").
10.4 If there was a Failure, subject to there not being an Event Outside Our Control (as defined in clause 20), we will immediately refund the amount of such FX Transfer to you or execute such authorised FX Transfer (as applicable) unless:
10.4.1 you have failed to notify us in writing without undue delay upon becoming aware of the Failure (and in any event no later than 13 months after the date the Failure was made); and/or
10.4.2 the Failure was caused by you.
10.5 We reserve the right to reverse an FX Transfer or other payment in case the payer or the payer's bank or payment service provider has reversed (or is reasonably likely to reverse) an FX Transfer or other payment.
10.6 We may refuse to execute an FX Transfer and we will tell you our reasons for doing so (if legally permitted to do so).
10.7 The Regulations provide additional protection regarding our liability to you for a Failure by us, unless there is an Event Outside Our Control (as defined in clause 20). Our liability to you is limited to the amount of the FX Transfer together with any direct losses to your account (being losses to your account that would not have occurred if the Failure had not occurred, for example, charges and interest), such payments to be refunded to you or your account without undue delay.
11.1 Nothing in these Terms will restrict your statutory rights as a consumer (including your rights to receive a reasonable standard of service, more details about which can be obtained from your local Trading Standards office or Citizen's Advice Bureau).
11.2 If you are a consumer, save as set out in clauses 5.14, 10.7 and 11.4, we accept liability to you where you have suffered loss as a direct result of our breach of the Contract or as a direct result of our negligence, fraud or wilful default.
11.3 If you are a corporate client, save as set out in clauses 5.14, 10.7 and 11.4, our total aggregate liability to you, whether in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising under or in connection with the Contract shall be limited to the greater of £5,000 and 105% of the total sum you send to us for the affected FX Trade.
11.4 Subject to clause 11.5, we will not be liable for losses that result from:
11.4.1 our failure to comply with the Contract that fall into the following categories: loss of income or revenue; loss of business; loss of profits; loss of anticipated savings; loss of data; waste of management or office time; or any other economic loss arising from the Contract which an English court would not consider to be direct financial loss or damage;
11.4.2 any fluctuation in the exchange or interest rates;
11.4.3 termination by us in accordance with clause 19.2; and
11.4.4 your failure to comply with these Terms, including without limitation your failure to provide the correct instructions and information.
11.5 Nothing in these Terms will exclude or limit any duty or liability either party may have to the other for death or personal injury caused by that party's negligence or for fraud or fraudulent misrepresentation.
11.6 You will reimburse us for all loss which we may suffer as a result of:
11.6.1 an unauthorised FX Trade or FX Transfer where you have acted fraudulently or have with intent or gross negligence failed to comply with the confirmations set out in clauses 6.1.12 and 6.1.13;
11.6.2 our acting on written, oral, telephone or electronic instructions which reasonably appeared to us to be from you; and
11.6.3 our exercising our right to Close Out all or part of your position.
You acknowledge and agree that we and/or our licensors own all intellectual property rights in the Services and the online portal (including all software, algorithms, user interface designs, architecture and documentation, network designs, know-how and trade secrets, including any modifications, improvements, and derivative works thereof). Except as expressly stated herein, these Terms do not grant you any rights to, under or in, any patents, copyright, database right, trade secrets, trade names, trade marks (whether registered or unregistered), or any other rights or licences in respect of the Services or the online portal.
13.1 Both parties will hold in confidence all personal, business, financial and other information of a confidential nature which is obtained about the other party as a result of providing the Services to you, and shall prevent any disclosure of such information, subject to clause 13.2.
13.2 We may disclose information about you (including personal information) in the following circumstances:
13.2.1 with any authority having the legal right to your information (including without limitation any law enforcement or tax authority);
13.2.2 where we are required to disclose information pursuant to any court order or similar process;
13.2.3 where we are otherwise required or permitted by law to make disclosure; or
13.2.4 where necessary in order to provide you with the Services.
14.1 The storage and use of personal details that we hold about you is governed by the Data Protection Legislation. By instructing us to provide the Services to you, you consent (both during that work and subsequently) to allow us and our carefully chosen suppliers, advisers and subcontractors, to use these details to comply with our reporting and client verification obligations, to carry out the Services and assess our rights in doing so, for statutory and archival purposes and to monitor, develop and improve our services including without limitation the IT systems used in relation to the provision of such services.
14.2 We will disclose your personal information to our payment platform provider so that they can verify your identity, and facilitate, authorise and manage your FX Transfers and FX Trades, and help us to comply with our obligations to you under these Terms. We will also disclose your personal information to banks or payment service providers in order for them to carry out your FX Transfer and to comply with anti-money laundering regulations.
14.3 Where agreed by you we may also use such information for marketing to you and for carefully chosen third parties to market their products and services to you, which we consider may be of interest to you. You may notify us at any time in writing if you do not want us to use or share such information for all or some of these marketing purposes.
14.4 You have a right of access under data protection legislation to the personal data that we hold about you. We may charge you a fee of £10 if you request a copy of such information we hold in line with the Data Protection Legislation.
14.5 You acknowledge that you have read and consented to our privacy policy. Please see our privacy policy for more information.
The general use of our website is governed by our website terms of use.
16.1 If you need to contact us for any reason, including giving us instructions and making complaints in relation to the Contract, you must do so in the English language:
16.1.1 by post: AccendoFX, 1 Alie Street, London, E1 8DE
16.1.2 by e-mail: [email protected]
16.1.3 by telephone: 0203 030 4500
16.2 We may contact you and give you any notices in connection with the Contract by post, e-mail, telephone or fax using the latest address, e-mail address, telephone number or fax number which you have given us. Please provide us with prompt notice of any change to your contact details.
16.3 Any notices sent by post will be treated as being received on the second Business Day after the day on which it was posted. Any notices sent by email or by fax will be treated as being received the first Business Day after the day on which the mail or fax was sent. Any notice given by telephone will be treated as being received at the end of such telephone call if both parties are on the call. Answer phone message will not be treated as being valid notice.
17.1 We may change these Terms from time to time for any reason including if there is a change required by applicable law or regulation or in order to improve the Services.
17.2 If we make a change in accordance with this clause 17, our latest terms will be available before you place new instructions for Services and we will give you reasonable written notice before we make the change and before entering into a new Contract with you, except if the change is required by applicable law or regulation. If you do not accept such updated terms, you will not be able to enter into a new Contract with us or you may terminate the Contract by notifying us in writing and you will not be charged for such termination. If you do not notify us in writing of your non-acceptance of the updated terms, you will be deemed to have accepted such updated terms.
17.3 Changes in interest or exchange rates may be applied immediately and without notice if such changes are based on the reference interest or exchange rate fluctuations as set out on our website.
18.1 Please inform us about any complaint using the details set out in clause 16. We have a written internal complaints handling policy and you can obtain a copy of this on request, and in the event you should have cause for complaint about the Services which we provide to you, a copy will be sent to you.
18.2 If you are unhappy with the service that you receive from us and if we have been unable to resolve the complaint to your satisfaction, you may be entitled to refer the matter to the Financial Ombudsman Service (which provides consumers with a free, independent service for resolving disputes with finance firms) via the website: www.financial-ombudsman.org.uk, telephone: 0300 123 9 123 or 0800 023 4567, email: [email protected] or in writing: The Financial Ombudsman Service, Exchange Tower, London E14 9SR.
19.1 The Contract will expire automatically without notice following the Value Date and any requested FX Transfer being completed.
19.2 We may terminate the Services immediately on notice at any time (including without limitation if you have already received the Trade Confirmation from us) if we reasonably believe that you have seriously and/or persistently broken any terms of the Contract which include (without limitation) by:
19.2.1 not paying any sums due in relation to the FX Trade by their due date;
19.2.2 giving us any false information at any time;
19.2.3 using (or allowing someone else to use) the Services illegally or for criminal activity including (without limitation) for money laundering purposes or terrorist financing;
19.2.4 acting fraudulently, or if we suspect you of acting fraudulently;
19.2.5 using (or allowing someone else to use) the Services for speculation or investment purposes;
19.2.6 inappropriately authorising a person to give instructions to us in respect of the Services;
19.2.7 inappropriately authorising a person to send us funds to execute an FX Trade;
19.2.8 behaving in a manner (for example by abusing people who work for us) that makes it inappropriate for us to continue to provide you with a Service;
19.2.9 putting us in a position where we might breach an applicable law or regulation or another duty which applies to us if we continue to provide the Services to you; or
19.2.10 becoming unable to pay your debts as and when they fall due, admitting inability to pay your debts, or being declared bankrupt, becoming insolvent or being placed into receivership, administration or going into liquidation or any similar event.
19.3 We may terminate the Services immediately on notice if you have an individual account and you die or become of unsound mind.
19.4 We may terminate the Services immediately on notice if we have our registration as a small payment institution cancelled by the FCA and are not authorised by the FCA instead as a payment institution.
19.5 You may terminate the Services immediately on notice at any time if we:
19.5.1 commit a material breach of any term of the Contract which breach is irremediable or (if such breach is remediable) fail to remedy that breach within a period of five (5) Business Days after being notified in writing to do so;
19.5.2 cease to carry on our business;
19.5.3 have a receiver, administrative receiver, liquidator, administrator or similar officer appointed over all or any part of our assets or undertaking and is not discharged within thirty (30) days of such appointment;
19.5.4 make an assignment for the benefit of, or a composition with, all of our creditors, or another arrangement or similar import; or
19.5.5 go into liquidation otherwise than for the purposes of good faith amalgamation or reconstruction.
19.6 On termination of the Services, if you have FX Trades that have been Confirmed by us you must pay us any outstanding charges or costs which you are obliged to pay to us in relation to such transactions. We reserve the right to cancel FX Trades immediately, even if they have been Confirmed by us and not yet matured. We will return any balance owing to you once we have settled all liabilities owing to us from you. We reserve the right to reverse any FX Transfers immediately if the Services are terminated pursuant to clause 19.2.
20.1 We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under the Contract that is caused by events outside our reasonable control ("Event Outside Our Control").
20.2 An Event Outside Our Control includes any act, event, non-happening, omission or accident beyond our reasonable control and includes in particular (without limitation) the following: strikes, lock-outs or other industrial action; civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war; fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster; impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport; failure of public or private telecommunications networks (including the internet); and the acts, decrees, legislation, regulations or restrictions of any applicable government.
20.3 Our performance under the Contract is deemed to be suspended for the period that the Event Outside Our Control continues, and we will have an extension of time for performance for the duration of that period. We will use our reasonable endeavours to bring the Event Outside Our Control to a close or to find a solution by which our obligations under the Contract may be performed despite the Event Outside Our Control.
21.1 We may delegate any of our functions under the Contract to any person or persons and may provide information about you and your portfolio to any such person or persons but our liability to you for all matters so delegated shall not be affected by this.
21.2 Accendo Markets Limited may act as agent for AccendoFX in providing payment services to you. Accendo Markets Limited is authorised and regulated by the FCA with FCA Register number 475285 and is a company registered in England and Wales with company number 06417051 and registered address at 1 Alie Street, London, E1 8DE, United Kingdom.
21.3 We may appoint agents to perform any administrative or ancillary services (not covered in clause 21.1 above) required to enable us to perform the Services under the Contract.
These Terms supersede all prior written agreements entered into by you and us in relation to the provision of the relevant Services. This does not affect any rights or obligations that you or we may have under any previous terms of business relating to such services. In addition, nothing in this clause shall limit any liability we may have to you in relation to statements or representations we have made to you but which are not expressly set out in these Terms.
23.1 English will be the language for communication between you and us for the duration of the Contract.
23.2 If any court of competent jurisdiction or competent authority find that any provision of these Terms (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision shall, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of these Terms shall not be affected.
23.3 If any invalid, unenforceable or illegal provision of these Terms would be valid, enforceable and legal if some part of it were deleted, the parties shall negotiate in good faith to amend such provision such that, as amended, it is legal, valid and enforceable, and, to the greatest extent possible, achieves the parties' original commercial intention.
23.4 You shall not assign, transfer, charge, mortgage, subcontract or deal in any other manner with all or any of your rights or obligations under these Terms.
23.5 We may assign, transfer, charge, mortgage, subcontract or deal in any other manner with all or any of your rights or obligations under these Terms.
23.6 In no event will any delay, failure or omission (in whole or in part) in enforcing, exercising or pursuing any right, power, privilege, claim or remedy conferred by or arising under the Contract or by law, be deemed to be or construed as a waiver of that or any other right, power, privilege, claim or remedy in respect of the circumstances in question, or operate so as to bar the enforcement of that, or any other right, power, privilege, claim or remedy, in any other instance at any time or times subsequently.
23.7 A person who is not a party to the Contract shall not have any rights or obligations under or in connection with it.
23.8 If signing this Contract, it may be executed in any number of counterparts, each of which shall be an original, but all the counterparts shall together constitute one agreement. The Contract is not effective until each party has executed at least one counterpart.
23.9 The Contract shall be governed by and construed in accordance with the laws of England and shall be subject to the exclusive jurisdiction of England. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.


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Cotton lightweight Jersey material featuring monstera plant leaves on a pink background. The pink is an exclusive colourway to Little Gold Bee, so you won't be able to buy this print on a pink background anywhere else.
- Please note that images are mock-ups and so the pattern is not to scale. The pattern may appear smaller or bigger when printed.
- The colours may differ to those seen on screen.
- The fabric is due to be delivered to me at the end of July so your order fulfilment will be middle of August
Long leg rompers feature a co-ordinating plain lining colour and the cuffs are the same as the main fabric.
The short leg rompers come with a co-ordinating lining and cuff colour.
Please enquire before purchasing if you would like specific details of the colours, as it may vary depending on stock levels.
This lightweight fabric is also available in dresses, leggings, harem pants and long and short sleeve tops.
Matching accessories are also available:
- Bandana bibs (0 months to 2 years)
- Knot Headband (0 months to 4 years)
You can find descriptions and pictures of each of the different styles (eg A-line dress, shortie romper, leggings etc) in the "Size Guides" section of the website.
Rompers - Monstera Leaves
Cotton Jersey / 95% cotton 5% elastic

subset: commoncrawl


text:
Course Library
Browse our library of planning courses
The YIMBY Movement: Opportunities and Challenges for Planners
Yes In My Backyard (YIMBY) is a relatively new movement, but YIMBYs are quickly gaining political power and numbers. This course discusses the origins, goals, and tactics of the YIMBY movement.
Complying With Federal Law in Regulating Telecommunications
This course explains what local governments need to do—and to avoid—to comply with federal laws while regulating telecommunications facilities.
Federal and State Religious Land Use Statutes
This course will explain what local governments need to do—and to avoid—when enacting and applying land use regulations that affect religious land uses.
Local Regulation of Marijuana Businesses
This course examines the role of local regulation in states that have legalized marijuana. Learn about marijuana components and products, federal and state laws, zoning, and social equity issues.
Transportation Planning: Travel Behavior Regulations, Pricing, and Programs
This course reviews the efficacy of regulatory strategies (such as prohibitions and mandates), pricing strategies (such as peak period pricing), and education and information strategies (such as real-time ride-hailing apps).
Legal Issues in Sign Codes
This course provides basic knowledge of the legal issues involved in sign codes, focusing on constitutionally-compliant sign codes in the aftermath of U.S. Supreme Court's recent decision in Reed v Town of Gilbert
Regulating Electronic Message Centers
This course provides practical, solution-focused guidance for regulations that leverage digital sign technology while protecting community aesthetic values and safety concerns. This course is available for free.
Form-Based Codes 101: Legal Aspects
This course explores the legal issues of creating and using a form-based code.
Defensible Sign Regulations
Communities regulate the characteristics of signs to achieve multiple goals, such as limiting driver distraction, maintaining the aesthetic character of the community, and implementing aspects of related plans. This course will show participants how to draft—and adopt—sign ordinances that accomplish those purposes while conforming with the First Amendment.
Regulating Sex Businesses, Part 2: Practical Tips
This course will provide practical tips for developing local zoning and licensing regulations for sexually oriented businesses. This course builds on material from Part 1 of this two-part series.
Regulating Sex Businesses, Part 1: Principles and Foundations
This course shows how to lay the foundation for ordinances that mitigate the negative effects of sex businesses while conforming with constitutional requirements under the First Amendment.
Planning and the Law: Procedural Due Process
The United States Constitution protects rights to "due process." In a land use law context, due process is why local governments must treat legislative and quasi-judicial decision making differently. At the end of this course, students will be able to differentiate between legislative and quasi-judicial decisions and to understand the due process implications of the distinction.
Planning and the Law: The Takings Clause
This course will help students understand and explore three legal concepts borne of the United States Constitution's Takings Clause: eminent domain, regulatory takings, and exactions. By the end of the course, students will be able to identify whether a particular government action is at risk of violating the Takings Clause.
Healthy Urban Food Systems: Planning Production Facilities
This course examines the role for planning in addressing various forms of urban agriculture as well as many examples from around the country of the statutes, policy, and practices implementing interventions in food production at urban scales.
Healthy Urban Food Systems: Planning Retail Facilities
This course introduces information from legal and public health perspectives on the retail side of food systems entities, such as farmers markets, grocery stores, and mobile vending.
Tactical Urbanism: How It's Done
From unsanctioned crosswalks to city-led "Pavement-to-Plaza" programs, instructor Mike Lydon describes the success of short-term, temporary projects in influencing long-term physical and policy changes in cities across the United States and Canada.
GIS Walkability Modeling
As the field of planning continues to trend toward multi-modal, sustainable transportation practices, tools to model or analyze the walkability of a given area have grown in number and complexity. In this course, students will learn how to apply ArcMap and the Spatial Analyst extension to model walkability. The course assumes students have a working knowledge of GIS and basic familiarity with Spatial Analyst.
Working with Census.gov 1: Background and Geography
This first of four courses on the Census -- Background and Geography -- will prime you to understand how the Census works, where the data comes from, as well as vital terminology and data sets you should be familiar with in the built environment.
Ethics: Balancing a Business Friendly Planning Environment
Over the past few decades and increasingly over the past several years, the private sector, led by developers, has increasingly courted, conflicted and collaborated with planning departments amid shrinking budgets. As business interests engage and influence public agencies and planning strategy, the role of ethics is of increasing importance for the practicing planner. This is the first of a two-part series that evaluates and analyses the role of planners, from public window staff to department heads, in an increasingly business-friendly environment.


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YOU can now book this workshop, direct with The Henley School of Art. https://www.thehenleyschoolofart.com/product-page/how-to-take-professional-looking-photos-with-your-smart-phone-oct
2. Smart Phone photography for business Social media, held at The Thames Lido, in Reading, includes a 2 course lunch. Next date COMING SOON.
Arrival 9.30am (workshop until 1pm – meal 1.15pm – 2.15/2.30pm
Venue – The Thames Lido, (near Reading Train Station)
I had 13 years as a Marketing / Brand Manager, before I retrained to be a photographer. I appreciate you can't commission a professional photoshoot for all your social media posts, and I am so passionate about supporting businesses, so they up their game with their social media presence by improving their photography for their posts.
For Printed material and websites, it is always recommended to seek advice from a Professional photographer and although, phones on cameras have improved significantly, there is a limit to what they can achieve too.
Aimed at Bloggers, Artisans, Crafters, Makers, Food Producers, Chefs / front of house team, Creatives, Interior Designers, Hair and Make up artists, Service providers ,Personal PT Instructors, Business coaches, Social media content managers, wanting to improve their Instagram feed, which is proving so pivotal for small business. A relaxing place to learn in and a chance to casually network or collaborate too.
Have you just set up in business, been going a while or look after the social media pages for the company you work for or clients?
Are you frustrated by your photography efforts, and want to improve your photography so you can match the High level or quality of your product, brand or service? Want some inspiration on what to post?
Being visible on line and on social media is so pivotal these days.
What is covered on the workshop?
Branding / Marketing / Styling
I touch on Branding, and colour pallet, Flat lays, what are they are how can they be your best friend? I touch on Instagram / and how to target your 'ideal client' looking at the insights on the Business Instagram (free account),
Composition, Props, Lighting, Some smart phone tips (how to photograph people, products, food, and nail a selfie) It is important to show up on Social media and people engage really well on Social media when they see who is behind the business.
Time to practice taking flat lays (over head photo) or practice taking photos of your products or produce. Smart Phone Apps to consider to use, how to edit in camera. Many of the tips transfer over for Facebook (Business pages) and facebook lives etc.
Please bring your own products if you are an artisan or any props if you are a service provider. (This is for the optional Flat Lay practical) Happy to help with suggestions if needed, for what to bring if you are a service provider, eg trade magazine, stationery, business cards etc. Tips will be sent out the week leading up to the workshop. Flat lays on social media, especially Instagram can help if you are stuck with content ideas on what to post and are bespoke to you.
TO BOOK – email, email@example.com
£99 pp INCLUDES
Arrival drinks, notes to take away, 2 course lunch in the restaurant
Where this workshop will have examples for Iphone users, Android phone users are welcome too.
Please come with a fully charged Phone, so you can join in with some practicals.
What previous attendees said
" Had a fun, interactive and relaxing day with Kathryn on the Smart Phone Photography workshop for Business Instagram, Kathryn is very generous in sharing her knowledge and her instructions were clear. My photos are looking so much more professional. The venue was fabulous and the meal was delicious. I really enjoyed meeting other local small business owners. Highly recommend. "
" I absolutely loved this workshop, I learnt so much, really enjoyed it, fabulous venue and the food at The Thames Lido was a great way to finish off the workshop and casually network with other local businesses. I have already started to put into practice what I learnt and can see a huge difference on my Social media feed, in fact it is pretty much a clear line pre workshop and post, with regards to quality and styling"
The workshop must have atleast 5 people to go ahead.
Strictly – Non Refundable, please ensure you can make the date before booking.


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Graduan Oxford Menempelak Mahathir dalam perdebatan di Oxford Union
Video Graduan Oxfords Menempelak Perdana Menteri, Mahathir Mohamad atas sikapnya suka bergaduh dengan negara lain.
Di petik dari Facebook Nabeel Naqie.
"Terhibur betul Nabeel tengok video ni.
Abang kakak semua tengok la sesi soal jawab di Oxford University kelmarin.
Tengok macam mana Tun M belit dan tak dapat jawab soalan seorang student Singapore.
Student tu cerita tentang isu persempadanan maritim Malaysia - Singapore yang hangat sekarang ni. Dia quote nama DS Najib.
Mahathir pantang dengar nama Najib, terus serang dia. Lebih kurang nak kata, ko bukan rakyat Malaysia jadi ko takde hak nak beri pandangan. Walhal soalan asal dia tak boleh jawab.
Student tu profesional. Dia kata ini takde kaitan dengan Najib. Dia tanya soalan tentang sempadan maritim. Tetibe je Mahathir pi lompat ke isu jual air 3 sen.
Student tu cool je dan tetap layan. Student tu checkmate balik Mahathir dengan kata, Malaysia di bawah Mahathir ketika jadi PM 4 ada peluang utk ubah perjanjian tapi tak buat. Sebenarnya student tu nak kata, "Oi Atok! Ko perintah 22 tahun, langsung tak buat apa-apa. Ada peluang ubah perjanjian pun ko lepaskan (ada kawtim masuk akaun kot 😂). Sekarang sembang macam teraniaya plak kat sini."
Last-last student tu give up. Dia faham, tak guna layan orang bodoh. 🤣
Kesimpulannya :
- Mahathir elak jawab soalan asal.
- Mahathir allergik dengar nama Najib.
- Mahathir divert isu yang takde kena mengena.
Dengan student universiti pun nak membelit.
Ko ingat student Oxford tu macam level budak-budak yang ko lakon nangis sebelum PRU tu? 😁
Penjelasan lanjut student tu boleh baca di link facebook beliau: https://www.facebook.com/100000117260679/posts/2829702990376915/
-Nabeel Naqie
Dipetik dari Facebook Darrion Mohan
"Had a great exchange with Malaysian PM Tun Dr Mahathir at the Oxford Union, where I asked him about the ongoing maritime dispute between Singapore and Malaysia. Dr M responded that the 1962 Water Agreement is unfair to Malaysia.
During our exchange, I understood his argument to mean that it was unfair for Malaysia to sell untreated water to Singapore at 3 sen per 1,000 gallons but buy treated water from Singapore at $60 per 1,000 gallons.
Thinking that $60 per 1,000 gallons seemed strangely high, I subsequently double-checked this. It turns out that that Dr M was referring to the price at which Singapore's PUB sells water domestically (approximately RM 60 per 1,000 gallons).
Singapore sells treated water to Johor at 50 sen per 1,000 gallons. Dr Mahathir thinks this is unfair but I disagree. Given that it costs Singapore RM 2.40 to treat 1,000 gallons of water, Singapore subsidises the water by RM 1.90 per 1,000 gallons. Johor sells this treated water to Malaysians at RM 3.95 per 1,000 gallons – meaning Johor earns a profit of RM 3.45 per 1,000 gallons.
Dr M also noted that Singapore has bought water from Malaysia at a fixed price of 3 sen per 1,000 gallons since 1926, and that Singapore has stopped Malaysia from revising the price. This is also inaccurate. Singapore has purchased water at this price since 1962. Under the 1962 Water Agreement, Malaysia had the right to review the price in 1987 (when Dr M was PM). Malaysia chose not to do so.
Furthermore, as Singapore's Foreign Minister noted in Parliament earlier this week, Singapore is obliged to sell Malaysia 5 million gallons per day (gpd) of treated water but out of goodwill supplies 16 million gpd. Two weeks ago, at Johor's request, Singapore further increased the supply of subsidised water to 22 million gpd. In 2018, also at Johor's request, Singapore supplied more than the usual 16 million gpd for 20 days. All the additional treated water has been supplied to Johor at the subsidised rate of 50 sen per 1,000 gallons, as per the 1962 Water Agreement.
I hope that the Mahathir government reciprocates this spirit of goodwill demonstrated by Singapore and approaches negotiations over the airspace and maritime disputes with a constructive attitude.
Finally, during our exchange, Dr M repeatedly referred to the disputed waters off Tuas as "international waters". This contradicts previous statements from both Dr M [1] as well as the Malaysian Transport Minister [2], who stated that the disputed waters within the new Johor port limits are Malaysia's territorial waters. Dr M's concession that these are in fact international waters significantly undermines Malaysia's initial claim.
[1] https://www.channelnewsasia.com/news/singapore/singapore-malaysia-maritime-dispute-port-limits-timeline-11006762
[2] https://www.channelnewsasia.com/news/singapore/survey-malaysia-singapore-border-mahathir-johor-port-limits-10999380
NB: Re-posting as my initial post misinterpreted Dr M's argument about Singapore selling water for $60. Thanks Jarel for pointing this out. - Darrion Mohan
Mahathir ini sikapnya suka sangat cari pasal dengan orang lain. Sejak dulu lagi tak pernah berubah. Berbanding dengan Perdana Menteri ke enam, Najib Razak yang lebih gemar berdiplomasi dan perundingan, Mahathir di lihat sebagai seorang yang kepala batu dan ego.
- Pendekar Berkuda -
Graduan Oxford Menempelak Mahathir dalam perdebatan di Oxford Union Reviewed by Pendekar Berkuda on 1:26:00 PTG Rating:


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Author: Peter Yachtfan, Update: 2020-
Virginian Yacht
Lord Anthony Bamford Yacht:
Yacht Length:
62 m ( 204 ft)
12 in 6 cabins
18 in 9 cabins
De Voogt Naval Architects
Maximum Speed:
15 knots
1,027 ton
Virginian Boat Price:
US$ 70 million
Virginian Yacht For Sale:
Contact a Sales Broker
Virginian Yacht Charter:
Contact a Charter Broker
Lord Anthony Bamford
Lord Bamford Net Worth:
US$ 4 billion
October 23, 1945
Carole Bamford
Alice Bamford, Jo Bamford, George Bamford
Daylesford Estate, Oxfordshire, UK
Private Jet:
Gulfstream G650 (M-
Our Super Yacht Owners Database: more than 1,100 Yachts and Yacht Owners.
The yacht Virginian is available for charter for app. US$ 260.000 per week.
Baron Bamford is chairman of the JCB Group. He is married to Lady Carole Bamford. They have 3 children: (Alice, Jo and George Bamford). He was knighted in 1990.
Lord Anthony Bamford is the owner of the yacht Virginian.
JCB stands for Joseph Cyril Bamford, the father of Anthony. He founded J.C. Bamford Excavators Limited in 1945.
JCB manufactures construction equipment such as mechanical diggers and excavators. The company is the world's third largest construction equipment manufacturer by volume. And it has more than 12,000 employees.
The company realizes sales of more than US$ 2.5 billion per year.
He is one of the richest man in Britain. With a net worth of US$ 3.6 billion.
Since becoming Chairman, he has taken JCB from a one-
Bamford is a collector of rare Ferraris. He is the only collector in the world with two rare Ferrari 250 GTO's. Including one built in 1963. Which he acquired in 1969 at the age of 24.
Also his son George Bamford is a classic car collector. His collection includes rare Porsches and Ferraris.
Bamford owns a 2014 Gulfstream G650 private jet. The jet has registration M-
Previously he owned a 2008 Gulfstream G550. With registration G-
The Bamford family owns many houses all around the world. Their main residence is Daylesford Estate. It is a 1,500-
Further they own a French castle. Château de Léoube an award winning wine estate. And a Palladian villa called Heron Bay in Barbados. And further they own a town house in London.
His yacht Virginian was built by Feadship in 1991. The yacht can accommodate 12 guests. And has a crew of 18.
The Virginian boat is powered by 2 MAN diesel engines. Which bring her a top speed of 15 knots. Her cruise speed is 12 knots.
The interior of the yacht is designed by David Easton. The boat is available for yacht charter through Burgess Yachts . She has her own website.
She was lasts refitted in 2012 at Pendennis. The Virginian yacht is formally owned by a company named Editallied LTD. Who bought the yacht for GBP 21 million.
According to that company's annual accounts. The Bamford family pays around US$ 2 million a year for the charters. The annual costs of the yacht are around GBP 4 million per year (US$ 5 million).
The boat is not available for yacht charter. And she is not listed for sale.
Message to Other Media
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Scroll all the way down for more amazing content!


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Financial Advisor Rodney L. Jones Discusses Your Circle of Wealth
Rodney L. Jones, owner of RL Jones Insurance Group and RL Jones Financial Group recently published a blog to his website discussing the three types of money that make up your circle of wealth.
Westfield, IN – November 4, 2019 – Financial Advisor, Best-Selling Author® of Beat the Curve with Brian Tracy and host of the RL Jones Show, Rodney Jones posted a new article on his website entitled, "Your Circle of Wealth" in which Mr. Jones explains how the way in which you spend your money can make an impact on your ability to build wealth.
Rodney begins by exclaiming, "I want to teach you about three types of money. First is your accumulated money. These are dollars that you've already saved and will continue to save. Second is your lifestyle money. How much time would you like for me to spend with you and your significant other in helping you reduce your lifestyle so that you could save more money? None, right? And third is your transferred money. These are dollars that you are transferring away unknowingly and unnecessarily. We also call these wealth transfers."
Rodney continues, "People are losing thousands and thousands of dollars by transferring money in these areas unknowingly and unnecessarily. If, in working together, we could recapture those dollars and bring them back to the table, then we would have more money to put it into your accumulated money so that your future is more solid."
Read the Entire Post at: http://www.rljonesfinancial.com/your-circle-of-wealth/
About Rodney L. Jones:
Rodney Jones helps his clients to see and achieve their financial goals. He was brought up in a blue collar manufacturing culture where the norm was to graduate from high school and work at the foundry like past generations, but Rodney had greater ambitions. Rodney attended Southern Illinois University and Butler University. In 1990, Rodney earned his designation of Life Underwriter's Training Council and began educating clients and professionals on insurance and finances.
Rodney owns two business entities, RL Jones Insurance Group and RL Jones Financial Group. Both of his successful businesses are centered on the philosophy: "If you have the desire to protect and grow your assets, then I have the desire to show you how."
Rodney has helped several hundred clients to protect their assets and reach their financial goals. Rodney's clientele spans from small business owners to laborers and their families.
Rodney is a highly sought-after speaker and trainer. He was selected as one of America's Premier Experts® and has been on several media outlets including highlighted appearances on ABC, NBC, CBS, and FOX affiliates.
Rodney is a member of the The National Academy of Best-Selling Authors having co-authored the best-selling Beat the Curve with business legend Brian Tracy.
He has also been selected to participate on several Advisory Boards of Fortune 500 companies. Rodney balances his time between his clients and educating professionals in his field.
You can connect with Rodney via email, firstname.lastname@example.com or via phone, 317- 626-4902 or 1-800-388-8342 Ext.302.


text:
About author: Nicol
A lover of all that good and pretty things that come in life! Devoted to style, design, music and also a big fan of internet media and technology. So this blog just ment to exist! Hedonistic and emotional human beeing for sure!
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text:
Education has seen a huge growth in randomized trials over the past ten years, but what have we learned? Robert Slavin gives his personal experience
Within just the past ten years, randomized experiments have blossomed in education in many parts of the world. In the U.S., the Institute of Education Sciences and Investing in Innovation, both in the Department of Education, as well as other funders, have supported more than 300 randomized experiments in preschool to 12 education (age 4–18). In the U.K., the Education Endowment Foundation has led the way in supporting dozens of experiments. The World Bank, Inter-American Development Bank, and other funders have supported many randomized experiments in low- and middle-income countries.
|What we know
|● Randomized experiments are expensive and difficult, but they can be done.
● Design the experiment to detect outcomes of importance
● Recruit carefully.
● Implement thoroughly to give the intervention a chance to work.
Just a few years ago, skeptics dismissed randomized experiments in education on the basis that they were too expensive and too difficult to do. They are expensive and difficult, but it is now clear that they are possible. Also, much has been learned in the doing of these experiments about how to do them well in real-life schools. The purpose of this article is to share my personal experience from doing, reviewing, and reading many randomized experiments in education.
Get power
In designing educational experiments, Rule #1 is to design the experiment to detect outcomes of importance. For example, if you consider an effect size of +0.20 to be worthwhile and possible in the area you are studying, you need a sample size large enough to detect an effect size of +0.20 with at least 80% certainty.
I'm not going into the technicalities (see Optimal Design, whose URL is in Further Reading), but here are a few general issues:
You have to choose between a cluster randomized design where schools or teachers are assigned, or a student-level design. Student-level designs give you a lot more power per pound or dollar, and they can work when your treatment is addressed to individual pupils, as in one-to-one or small-group tutoring. However, when the unit of change is the school or department or teacher, it is not practical to divide within these units.
If you have strong covariates, such as pretests that correlate well with post-tests, you may get by with 40 schools in a school-level trial, or 40 teachers/classes, to detect an effect size of +0.20. However, if you can afford it, you may wish to recruit 50 schools/ teachers or more. This enables you to detect smaller effect sizes (eg, +0.15), and to otherwise overcome the slings and arrows of outrageous fortune.
Of course, you need not recruit all the students in 50 schools. You may study just Year 4 (3rd Grade) students, or students taking biology, but whatever group you focus on, you will usually need to include the entire group, to avoid adding bias in selecting students within each school.
Recruiting schools and teachers to participate in a randomized study is a delicate art. In general, you are going to schools and giving them a 50/50 chance of receiving an attractive intervention. You need to make a compelling case for why the treatment might work, but you cannot guarantee it will work (if you could, you would not need the experiment). Also, half of the schools that agree to participate will be in the control group, so you can't oversell the treatment.
People hate to be randomly assigned. Every time you try to recruit a school to a randomized trial, someone will object that there is a 50% chance they will end up in the control group. "That's unfair," they'll say. My response is this. "You're not using Program X now, so you're already in the control group. If you like Program X, you can purchase it [assuming this is true]. However, we are offering you a 50% chance to get it for free!"
Incentives for the control group
One important element in recruitment is the possibility of offering incentives to the control group. The best incentive can be the opportunity to receive the program for free at the end of the study. Such a control group is called a "delayed treatment control group." However, this may be too expensive, and it is not very appealing to the control group if the study is due to last two or three years or more. Sometimes you can deal with a long delay by starting the program a year later in grades no longer in the study. For example, if you were doing a two-year evaluation of a mathematics program following children from grades 4 to 5, you might let the control group start one year later in grade 4.
If delayed treatment is not feasible, you might provide cash payments or in-kind services to provide the control group with an incentive to continue to provide access and data throughout a study. The payment might be given each year as schools turn over their data, to link it to this key activity.
Ensure quality implementation
Here's bad news: Most randomized experiments find no significant differences on study outcomes. Usually, this is because implementation was not what it should have been.
Do not skimp on implementation support. I'm not suggesting that developers or researchers provide supports they could never provide in dissemination, such as putting a graduate student in every class every day (I've seen it happen). But do make sure there is enough training, on-site coaching, and feedback to school staff to give the program a chance to work. If effects are positive the developer will need to insist on providing the same supports provided in the study, and this may make the program expensive. However, skimping on support and thereby failing to show positive impacts can make the program dead.
In addition to increasing the chances of success, providing sufficient on-site coaching also gives the project excellent feedback on what is happening, and excellent insight at the end on what worked and what didn't work, and why.
Randomized experiments are here to stay in education. The question is how to make sure they deliver on their great promise. With adequate power, skillful recruitment, and high-quality implementation, a promising program is likely to show its full impact, and whether its effects are positive or not, the field will learn from the experience.
About the author
Robert Slavin is Director of the Center for Research and Reform in Education at Johns Hopkins University, and a Professor at the Institute for Effective Education at the University of York. He is Chairman of the Success for All Foundation, which develops, researches, and disseminates educational programs to increase achievement, particularly for disadvantaged students.
Further reading
Baron J (2003), How to Assess Whether an Educational Intervention has been "Proven Effective" In Rigorous Research. Washington, DC: Coalition for Evidence- Based Policy.
Best Evidence Encyclopedia (2015). http://www.bestevidence.org/
Raudenbush SW et al (2011), Optimal Design Software. http://hlmsoft.net/od/
Raudenbush SW and Bryk AS (2002), Hierarchical Linear Models (2nd ed.). Thousand Oaks, CA: Sage.
Slavin RE (2007), Educational Research in the Age of Accountability. Boston: Allyn & Bacon.
Slavin RE (2008), What Works? Issues in Synthesizing Educational Program Evaluations. Educational Researcher, 37 (1), 5–14.
Slavin RE (2008), Evidence-based Reform in Education: What Will it Take? European Educational Research Journal, 7 (1), 124–128.
Slavin RE (2013), Overcoming the Four Barriers to Evidence-based Education. Education Week, 32 (29), 24.
Song M and Herman R (2010), Critical Issues and Common Pitfalls in Designing and Conducting Impact Studies in Education: Lessons Learned from the What Works Clearinghouse. Educational Evaluation and Policy Analysis, 32 (3), 351–371.
What Works Clearinghouse (2013). Procedures and Standards Handbook (Version 3.0). Washington, DC.


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The long recording career of Swedish singer/songwriter Björn Skifs spanned several decades, beginning in the 1960s and carrying on into the next century. His greatest success came in the mid- to late '70s when he scored a couple Swedish Top Five ("Firefly," 1976; "Lady," 1977) and Top Ten ("Härligt, Härligt Men Farligt, Farligt," 1978; "Det Blir Alltid Värre Framåt Natten," 1978) hits, not to mention his 1974 American chart-topper "Hooked on a Feeling," credited to the band Blue Swede (also known as Blåblus in Sweden).
Born on April 20, 1947, in Vansbro, Sweden, Skifs began his recording career in the band Slam Creepers, which released a couple albums (Bubbles, 1967; Sweet Ruth, 1968) before he split for a solo career. The solo albums From Both Sides Now (1969), Every Bit of My Life (1970), and Opopoppa (1971) weren't particularly successful, though, and so Skifs formed the band Blåblus, named after his 1972 solo album of the same name. The band was showcased on the 1973 album Pinewood Rally, comprised largely of English-language standards such as Leon Russell's "A Song for You" and Burt Bacharach and Hal David's "Always Something There to Remind Me." A cover of the 1969 B.J. Thomas song "Hooked on a Feeling" became a surprise number one hit in the United States in 1974, prompting the re-release of Pinewood Rally as Hooked on a Feeling under the English-language name Blue Swede rather than Blåblus.
After an English-language follow-up album featuring Blåblus, Out of the Blue (1974), Skifs resumed his solo career and released a series of very popular Swedish albums, namely Schiffz (1975), Watch Out! (1977), Split Vision (1979), and If...Then... (1984), not to mention some relatively less popular releases. During his time period of peak success, Skifs competed twice in the Eurovision Song Contest, in 1978 and 1981, on behalf of Sweden. In the late '80s Skifs resigned from the music scene for a decade and a half, during which time a number of greatest-hits compilations were issued. Back on Track (2001), a Top Ten hit album, signaled his return to the music marketplace. Among his follow-ups, Decennier (2005) was particularly successful, debuting at number one on the Swedish albums chart. The successive releases Andra Decennier (2006) and I2I (2007) also proved exceptionally popular, peaking respectively at number one and two on the albums chart.


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Stop and consider the words Information Technology. Forget for a minute what IT means to us today and just consider the 2 words together – an infinite domain, right? Daunting
When I started working with computer systems back in 1975 the work was thought of as computing. The ENIAC, which was built right here in Philadelphia, was famously used for computing trajectory and range for artillery.
I started work with Burroughs Federal and Systems Group and already then computer systems were deeply enmeshed in communications. I was assigned to a group building an early encrypted communication switch for Canada's military, including ships at sea.
Now our computers, even our phones, continue to compute and calculate – but they also do so much more. They bring us access to vast realms of information, and they bring us access to each other.
My career in IT has led me down many wondrous and fortunate paths, but it was only six years ago when I joined, in a consulting capacity, Bob Goodman's team at the American Friends Service Committee that I began to gain true insight into the ways that the combination of the new technologies and time-tested procedures can transform the possibilities for effective teamwork.
Clinton Pettus, the recently retired Associate General Secretary for Programs for the AFSC, put it this way, "I want the staff to have access to everything they need to know, and I want everyone on the same page." Simple as that
Lighthouse Technology Associates is using what we have learned at the AFSC as a springboard to our focused set of services. We simply want you, your staff, and your close community; to have everything they need to know close at hand, and to be all on the same page.
We have seen this be transformative.
Back to where I began this entry, Information Technology. Our focus has provided us with a useful vantage on the world of IT. We concern ourselves with how good Intranets are designed, built and deployed; how technologies can be deployed to support meetings that work; and how people can use technologies to learn, and learn from each other.
Not so daunting. A pleasure in fact!


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DJ Muggs has been a cornerstone in the DJ and producing world for over 20 years. From his work as DJ and producer for Cypress Hill, having multiple albums go platinum and gold to producing all-time party classics like House of Pain's "Jump Around". He's worked with Eminem, The Beastie Boys, Everlast, Depeche Mode, U2 and many more.
Being one of the most sought after names in the business DJ Muggs has shown through many years of consistent success, his ability to adapt and change and lend his talent to multiple genres and styles. Pushing the boundaries into something different again, DJ Muggs latest project Cross My Heart Hope To Die has just released their latest EP Vita E Morte. With the deep and soulful vocals of Brevi, the technological genius of Sean Bonner, producers Andrew Kline and DJ Muggs, Cross My Heart Hope To Die is a multimedia project mixing art, music and technology to create a fully encompassing sensory experience.
EARMILK: You first started seeing success as a musician in the mid 1980's. From where you thought your career would go back then compared to the path it's taken [from working as a DJ to producing and now with a new music/art cross over project] how have your expectations differed from where you are now?
DJ MUGGS: I knew when I started that I wanted to be respected by my peers and if I sold 100,000 records I would be happy. I have been able to do a bit more so I'm blessed.
EM: Having worked on such successful tracks and albums over the years is there a project or song that you look back on as being especially important to you personally or one you're particularly proud of?
M: The Colors soundtrack was my first gold record and then the first Cypress Hill album were monumental for me
EM: You're known for being extremely adaptable genre wise and introducing a lot of elements from multiple styles like jazz trumpets, reggae beats, rock and electronic. What genres do you most enjoy listening to?
M: I listen to everything across the board, but this week it's reggae and Gucci Mane.
EM: What top 3 tracks are you into right now?
M: "Nasty" by Gucci Mane, "Rat Trap 666" by Die Antwoord and "When Jah Call" by Dreadsquad ft. Mr Diamond & Fabi Geez
EM: So to talk more specifically about your current project, Cross My Heart Hope To Die, you're blurring the lines between visual art and music with a strong technological element. What is your inspiration for this project and what do you hope to achieve?
M: Being art connoisseurs for years as well as tech heads we wanted to do a music project that was more than music and brought all these elements together into one project. The music remains the driving force though
EM: Cross My Heart Hope To Die has a strong street art element [small boxes with only the CMHHTD logo on the front and earphone jacks were left on the streets of major cities like LA, Tokyo, New York, Prague and Vienna where people could plug in and listen to preloaded tracks] in helping people discover the music in an unconventional method in major cities globally, what process was involved in choosing the cities and the placement of the public art music boxes?
M: The process was pretty much to target the cites that we visit on tour or on holiday.
EM: Cross My Heart Hope To Die's EP Vita E Morte is quite different stylistically and has deep, almost seductively dark tones to it. Where did you get inspiration for the energy of the tracks?
M: This is a energy I carry throughout out my career, but when you add the female element of vocals - which Brevi is the perfect match for - then you get this dark, sexy and mysterious vibe
EM: Do you have a favorite track from the EP?
M: My favorite is "Crossroads."
EM: What can fans expect from the full length album?
M: The album will have the same dark energy, but will be more futuristic sounding seeing as though most of the songs on the EP are a year old.
EM: Cross My Heart Hope To Die has been very original with its progression. Do you have a specific idea of what's next for the project?
M: Now we will hit the road and finish up the album with all new music to be released early next year
EM: Having a strong interest in art, is there an artist that inspires you musically or who's work really stands out to you right now?
M: Roger Ballen, Salvador Dali, Mister Cartoon, Slick
EM: Over the span of your career you've worked with so many huge names in the music industry, and now branching into the art industry, is there anyone that you would like to work with in the future that you haven't yet?
M: No, not really. I'm more interested in creating things from scratch than I am with hooking up with established artists. I only like working with those who I vibe with.
EM: Do you have anyone that you've worked with that in the art or music industry that stands out as having been especially fun or interesting to work with?
M: My brother Gonjasufi, The Ninja, and Yolandi Visser from Die Antwoord.
- Cross My Heart Hope To Die Official Website
- Cross My Heart Hope To Die on Facebook
- Cross My Heart Hope To Die on Soundcloud
- Purchase on iTunes


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Hipp Organic Follow on Milk
Organic baby milk formula remains one of our key categories for consistent year on year sales and leading the way is Hipp Organic Follow On Milk. Recommended from 6 months onwards, it's ideal to complement a weaning diet when moving on from breast or infant milk feeding. As well as the benefits you get from the finest organic ingredients, it provides vitamins A, C and D to support the immune system and iron for cognitive development.
Fiji Water
This artesian bottled water has proven itself to be a customer favourite with its purity and extraordinary source – from a protected artesian aquifer found deep underground in the remote Fiji Islands. Tropical rain filters through layers of volcanic rock, slowly gathering the natural minerals and electrolytes that give FIJI Water its soft mouth-feel and smooth taste. It's bottled at the source, untouched by man until the cap is unscrewed. The brand is committed to environmental sustainability, with a plan to use only 100% recycled plastic in their bottles by 2025.
Maldon Sea Salt Flakes
Some traditions are worth keeping and that's definitely the case when it comes to Maldon Sea Salt. Made with the same traditional artisan methods since 1882, these distinctive pyramid crunchy flakes are a unique product known for their flavour and quality and sought after by the health-conscious, gourmets and chefs alike. Approved by the Organic Food Federation, Maldon's Sea Salt Flakes have the perfect balance of minerals with nothing added.
Natracare Safe to Flush
Ticking all the right boxes when it comes to sustainability, we've seen strong initial consumer interest and sales on Natracare's Safe to Flush Moist Tissues. The first ever product to pass the UK water industry flushability standard, they've been vigorously tested and are guaranteed to break down safely after flushing. Plastic-free they're made from 100% paper and an organic and natural formula with soothing Aloe Vera and anti-bacterial witch hazel for that extra clean feel.


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Fully qualified trout casting tuition is offered for beginners and intermediate/experienced rods wishing to improve their skills.
Equipment assembly and tackle advice, safety, roll cast, overhead cast, side casts, extending and shooting line, changing direction and coping with wind. Fishing knots, fly selection and river craft would also be covered.
Roll cast, overhead cast, side casts, extending and shooting line, mending line, single and double haul casts. Single handed Spey casts (double and single) jump roll, snake roll, and T cut.
Individual one-one tuition is available by the half day or day and small groups can be accommodated. We are totally flexible and will advise clients on the best options for them in learning the art of fly casting.
Lessons are taken on trout still waters in Hampshire and Wiltshire with all tackle provided if required. Enquiries
Our Wiltshire base, offering excellent facilities for casting tuition and fine stillwater trout fishing, on two large gin clear lakes and Avon chalkstream. www.fishingfly.co.uk
Half day (4 hours) £130 casting tuition plus cost of fishing
Full day (8 hours) from £220 casting tuition, including fishing
Half day (4 hours) £180 casting tuition plus cost of fishing
Full day (8 hours) from £300 casting tuition including fishing


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Listing includes one sheet of die-cut stickers in a Premium Matte Finish to decorate your planner. These are perfect for the ECLP, Recollections or Happy Planner but can be used in just about any planner!
Sticker sheet is approximately 3.5" x 4.5".
Each stickers is kiss-cut and ready to use in any planner, bullet journals, etc."Graphics © LittleMajicPrints"


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Romeo: Raspberry
$ 3.99
Lip-gloss is handmade, so actual color of product may vary. Due to the many variations in monitors and browsers, color samples may appear different on different monitors.
Size: Approx. 10ml
- Butylene/Ethylene/Styrene Copolymer
- Hydrogenated Polyisobutene
- Flavoring
- Coloring
- Glitter
- Various Oils /Coconut-Vitamin E
Discontinue use if irritation occurs.


text: Have you fallen into the trap of ignoring the most likely source of data breaches? Don't just focus on attacks from the outside when your biggest threat is actually from inside your organization. In 2017, the #1 source of data breaches was human error - inadvertently sending an email to the wrong person or including the wrong attachment. Everyone has done it because it is all too easy to do. Consider how often we rely on the Outlook autofill feature to suggest that email recipient without really checking or clicking Reply All when we only meant to reply to one person. More than embarrassing, accidentally sending private client or sensitive business information to the wrong person is considered a data breach under many regulations. Learn how to prevent missent emails by protecting against human error.


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DSP has a new home!
It's been a hectic year so far! Have had a great number of talent come through to record their demos with us as well as a few corporate clients. Now I'd like to announce that DSP has a brand new home. Just moved to the great city of Brampton! New digs, new room, but same great service! Come check us out in our new home and inquire about recording your voice over demo. Looking forward to working with you in the New Year. Happy 2014!Read More
Thank You
Wanted to thank everyone who dropped by the open house on Thursday, May 9th! A great time was had by all and the reactions to the studio were universally enthusiastic and positive. Picked up a few new clients and many rave reviews! For those who missed out, not to worry. Give me a shout anytime via the info on the contact page and let me know when you would like to come by and see the studio for yourself. Also, the $50 off demo recording offer has been extended until the end of the month. Take advantage of this rate through the end of May to record your brand spanking new...Read More
This is blog post 1
We are excited to announce that DSP is now officially open for business and in celebration of this monumental occasion, please join us at our open house on Thursday May 9th from 4 – 8 pm. Mingle with fellow thespians, enjoy wine & cheese and most importantly, check out the new actors voice over studio. Drop us a line for more information. Looking forward to seeing you May 9th!Read More


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How To Get Free Udemy courses | Free Download
Udemy has become the world's best learning and teaching platform, with more than 65,000+ courses on its official website udemy.com, people from all over the world get a chance to learn, whatever they wish at any time, anywhere.
According to Udemy, this online learning platform offers 9 different categories of courses, subdivided into more than 100 categories. As per the latest report, more than 20 million students are learning from Udemy. Because of its worldwide popularity, Udemy offers the courses in 50 different country-native languages.
But the fact is, Udemy offers the maximum number of paid courses and only countable number of courses are free. This is in fact, the most disadvantaged in developing country, where credit or debit or any international transaction system is not possible. But still, students want to get the courses from Udemy. So, here are some tips to get free udemy courses.
Here are some tips for you to get free Udemy courses.
1. Direct connection with Instructor:
Yes, there are tons of instructor in Udemy, who are accessing their content. So, connecting with these instructors directly helps you to get enrolled in the course for free. You can directly ask for the content, or free coupons or any discount card. Try, what if, it saves you some dollar.
2. Visiting third party websites:
There are some websites, who got the courses of Udemy for free. Do visit sites such as DiscUdemy, Guru99 or UdemyCoupon to get the courses you are searching for. Only limited courses are available on these websites. So, try out visiting these websites and access free Udemy courses token. This actually works or if you want to download the courses on your local machine and wants offline, try visiting websites such as free-course-site.
3. Scrolling and visiting groups, pages in Social media:
There are some groups and pages available in social media, where Instructor ownself, share some of his Udemy courses for free. So, getting In touch with different social media, also helps you to access the free Udemy courses.
Here are some groups, we suggest you to join or visit:
1. https://www.facebook.com/groups/freeudemycouponscourses/
2. https://www.facebook.com/udemycoupon100/?fref=ts
3. https://www.facebook.com/BestFreeCoupons/?fref=ts
Hope the small article on How to get free Udemy courses, might save you some dollars. We are just helping the students from developing countries, where money sucks in learning anything.


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In this Bible study series in the Life of Christ, you will learn from Jesus Christ as He teaches and performs miracles, signs and wonders. You will discover His heart as you follow the life of Christ from the four gospels in the chronological order in which the events occurred.
To The Glory of God
Thus says the LORD, "Let not a wise man boast of his wisdom, and let not the mighty man boast of his might, let not a rich man boast of his riches; but let him who boasts boast of this, that he understands and knows Me . . . Jeremiah 9:23-24
Like The Master Ministries
P.O. Box 31976
Tucson, AZ 85751-1976
A non-profit, 501(c)3 corporation. Donations to this ministry are tax-deductible.


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Boats need a lot of maintenance and can also be susceptible to damages. In addition to that, maintenance and repair of a boat can cost a lot, especially if the damage is not done on purpose. Having your boat insured can save you a ton of hassle, and financial loss. Karras Rule Insurance Services offers you the best quality of boat insurance in town. Our insurance protects both you and your boat.
Boat Insurance Coverage
The boat insurance covers a wide area of compensation and protection in the event that your vessel encounters damages. The coverage includes (but is not limited to):
- Uninsured boater coverage. If your boat encounters an accident against another boat and the latter does not have his boat insured, don't worry. Your boat insurance covers for the injuries that you and your passengers have suffered.
- Medical payments. For the passengers who are onboard, on the process of leaving, and on getting on the boat and are injured, their medical expenses will be shouldered.
- Agreed coverage. We pay you the total amount agreed upon on your insurance sans deductibles.
- Liability. This includes legal defenses cost, containment, removal of wreckage, and cleaning of possible dirt and pollution from the boat.
- Personal property coverage. This includes all your personal belongings such as clothes, gadgets, fixtures, fishing gear, and the like.
- Assistance or towing. Sending out someone to tow your boat in the event of an engine failure or damages within and onboard is part of the coverage.
- Longshore and Harbor Workers' Compensation Act (LHWCA). This covers the workers and employees working onboard your boat.
- Replacement settlement. This means that reconstruction, repair, or replacement is part of the deal, especially if your boat is not able to perform its intended function.
There are different kinds of policies and knowing what suits you best is important. Our professional agents can assist you with each policy available in the agency. Also, we would like to emphasize on the fact that some policies may not include the regular insurance coverage as mentioned above.
What is Third Party Boat Insurance?
Third party boat insurance helps you to provide the regular level of protection. This usually involves boating accidents where two vehicles collide against each other and damages happen to the persons on the ship, whether it is minor or major. It covers from savage and wreckage removal due to the collision.
Before getting your boat insurance, ask the professional agents of Karras Rule Insurance Services to better explain to you the insurance available, including the different types depending on the premium. The moment that you have made your mind up, get the best boat insurance in town.


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Making a stranger, my future self, my BFF
I'm frightened to meet my future self. I hardly know him and rarely think about him. Does my future self hate me because I have not always acted in his best interests, procrastinated, talked about it but didn't do it? I'm reminded of my father's mentorship when he would say "Don't tell me, Show me."
In part Seven of The Master Key System, I learned about idealization, visualization, materialization, imaginazation, conceptionalization, concentrationization, manifestization, all those zations. I can't even spell most of them. But if they worked for Tesla these zations will work for me too. If I think about it, making my future self my best friend forever will help the present me by making my tomorrows better. One of my mottos is "You Grow by Empowering OTHERS." Now that I've discovered that one of the most important others is my future self, I will become my future self's Best Friend Forever. Well, I got the talking part done; Time to Show Me!
Focus is a recurring theme for me. Focus Guy! フォーカス!
Sometimes my thoughts flit about like a tree full of chickadees. For example, just now I was focused on writing my blog, but suddenly I thought about the magnifying glass and compass that my amazing MKE Guide, Deb Barrett sent from far away Canada. I wondered what I could do to focus more on the magnifying glass and what it represented. I could drill a hole in the handle and hang it from the lamp on my computer desk. So, off I went, drilled a hole in the handle, threaded fishing line through the hole and hung it from the lamp and resumed blogging. In my defense, before I started blogging, I repeated "DO IT NOW" 25 times with Enthuuuuuuusiasm. I hope it doesn't start a fire.
My magnifying glass helps me focus on the Six things.
In my quest for focus, doing the "sits" has helped tremendously. My mind has linked sitting in the same chair, with concentrating on just one thing. I'm getting better at becoming the observer and as stray thoughts pop up, I quickly dismiss them and shift my attention back to the One thing.
Guy, nice to find a fellow master mind member who has the same guide (Deb Barrett).
I completely identify with your post. I sometimes get myself sidetrack by distractions.
Thank you for sharing.
You made me laugh Guy, I hope your magnifying glass doesn't start a fire too! Good job with the "zations", and that was definitely food for thought when you wondered if your future self would be unhappy with you based on your current actions–I'm betting not since you are obviously making good progress with MKE! Have a great week!
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Costa Rica is a stunning country in Central America that we highly recommend for your next bike tour. Why do we recommend it? Well, it borders the gorgeous Caribbean Sea to the east, the Pacific Ocean to the west, and also Nicaragua, and Panama. Also, its high mountains, picture-perfect beaches, and beautiful lakes, make Costa Rica the perfect bike tour destination. It is also rich in several active volcanoes, and has plenty of islands for you to discover at your own pace! Reserve your spot on one of our many motorcycle tours in Costa Rica now!
Have you always wanted a grand bike adventure? How about taking a trip around Central Asia in the countries close to Russia?
Looking for gifts ideas for a biker? A motorcycle gadget is what you need.
Jungles are magical places where anyone who wants to go on an ATV adventure can have unforgettable memories.
Over 130k travelers like you have chosen Tripaneer so far. Hear what they have to say about us!
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Thanks to our marathon runners
27 April 2009
250 Shelter runners took on the challenge of the London Marathon yesterday, and look set to have raised an incredible £450,000 for our work with homeless and badly housed people.
The day was unexpectedly bright and sunny, and Shelter cheerers were out in force, including friends and family of the runners, volunteers and staff members.
The runners got into the spirit of things by dying their hair Shelter red, wearing their stylish Shelter running vests or dressing in costume - we even had a Dennis the Menace on the team!
Many, many thanks to everyone who took part on Sunday, or who came along to support the team. Interested in running for us in 2010? Register your interest now