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James Smith ACII FPFS IMC Key Account Development Manager
As financial advisers we spend a lot of time creating and protecting wealth but not a lot of time talking about death. Are any of you the executor to an estate (named in the will) or have dealt with an estate? Have any of you had a client that has died? This time last year my father passed away and as the sole executor I worked through the probate process and so many of the tips/recommendations that are flagged up are from first hand experience.
Learning Objectives Aim
Understand the process and requirements for dealing with an estate following death Understand the impact of Inheritance Tax on an estate and what forms need to be completed Understand associated financial planning issues following death Aim Trusted & valued adviser to the family & respected by professional connections Not all about process but key financial planning aspects as well. Process and requirements for dealing with an estate following death Impact of IHT and forms Associated financial planning issues BUT Main aim is to enhance your position as a trusted and valued adviser to the family whilst ensuring that you are talking the same language when working with professional connections!
Ground Rules We don't cover Intestacy / Laws of Succession in any detail For Scotland read "Confirmation" for Grant of Probate For Scottish Estates get familiar with Prior Rights, Legal Rights, Moveable Estate, Heritable Estate & Bonds of Caution There is more! This is just a part of a 2.5hrs session. You will be asked at the end if the full workshop session would be of interest. This is part of a 2.5hr master class case study session. At the end of the presentation you will get the opportunity to request participation in a future event. The forms illustrated throughout this presentation are in relation to the case study used.
Money Advice Service (MAS)
How much do probate services cost? Hourly rate Flat fee - % of estate value VAT Probate fees on top Options are for the executors to do it themselves or appoint a probate specialist. Money Advice Services outlined costing for professional probate services. Hourly rate Flat fee % of estate value (between 1-5%) VAT on top Probate fees etc are on top. https://www.moneyadviceservice.org.uk/en/articles/when-should-you-use-a-probate-specialist
When should a probate specialist be used?
Lots of helpful info on the Sesame & Bankhall websites under Legal Services When should a probate specialist be used? Lots of helpful information on the Sesame/bankhall websites under Legal Services. A useful guide through the probate process and provides examples of when a probate specialist should be used. https://www.moneyadviceservice.org.uk/en/articles/when-should-you-use-a-probate-specialist
Dealing with an estate following death
As the adviser to the family your help and guidance at this traumatic time will be invaluable.
What documentation do they need to provide to HMRC?
Overview - initial thoughts What are their key responsibilities and what is the process that needs to be followed? Who actually deals with the estate? What documentation do they need to provide to HMRC?
Who deals with the estate?
PERSONAL REPRESENTATIVES The Personal representatives (PRs) are responsible for settling the financial affairs of the deceased. England NI & Wales: If there is a valid will the Personal Representatives are referred to as the Executors If there is no valid will they are referred to as the administrators Scotland: Referred to as Executor Nominate if there is a will or an Executor Dative if Sheriff Court appoints them Personal Representatives are responsible for settling the financial affairs. England, Wales & NI – Will = Executors No Will = Administrators Scotland Will = Executor Nominate No Will = Executor Dative if appointed by the Sheriff Court
Executors Executors are named under the will. Power reserved form
An executor may sign a power reserved form. This is the expression used by the Probate Registry, when an Executor appointed in a Will, decides to 'reserve their powers to act' until the future, if indeed they ever need to act. It will mean that another Executor is to act solely or with other Executors instead. This process is often used where a particular Executor resides abroad or lives some way from the home of the deceased and is unable to act as Executor due to work or other commitments. Power Reserved will normally take the form of a letter and is noted on the PA1 form as above.
Pay any debts – e.g. unpaid utilities bills.
Grant of representation – the process Most cases follow the same basic process; If there's a will - this normally states who sorts out the estate; if there's no will the next of kin can apply. Application to get a 'grant of representation'* - this gives the legal right to access assets such as the person's bank account. Pay Inheritance Tax - this is only paid if the taxable estate is worth over £325,000 and is part of applying for a grant of representation - once any tax due has been paid, the assets can be collected. Collect the assets – e.g. money from the sale of the person's property. Pay any debts – e.g. unpaid utilities bills. Distribute the estate - this means giving any property, money or possessions to the people entitled to it ('beneficiaries'). Grant of Representation – the process Most cases follow the same basic process. Is there a will? If yes then it will state who sorts out the estate and if no, the next of kin can apply. Application for a Grant of Representation = legal right to access assets Pay any IHT due – part of applying for a Grant of Representation. Collect the assets Pay the debts Distribute the estate to those entitled = beneficiares * If an executor under a will - "grant of probate". If an administrator – "grant of letters of administration" https://www.gov.uk/wills-probate-inheritance
Grant of Probate A grant is not normally required if the estate either: - passes to the surviving spouse/civil partner because it was held in joint names – e.g. a savings account - does not include land, property or shares The executors should contact the organisation holding the money – e.g. the bank or building society. They may ask for proof of death – e.g. the death certificate after the death has been registered Each financial institution has its own rules – it may still be necessary to apply for a grant for funds to be released – most organisations will have a de-minimis/small estates limit. There are circumstances where a grant of probate will not be required i.e. where all assets are held on a joint tenancy basis and exclude land, property and shares. Probably unlikely if there are ISA's etc Executors should contact the various organisations holding the money. Proof of death must be provided and some will have de-minimis/small estates limits. From my experience, it is worthwhile contacting the various organisations at an early stage as most have probate department and can send you their required documentation etc. It also avoids any fraud as a hold can be placed on the various accounts.
Grant of Probate Application
The probate application form PA1 (Form C1 in Scotland) Probate appointment form ARF1 in NI The Inheritance Tax form if an excepted estate* (C5 in Scotland) An official copy of the death certificate The original will and 3 copies - and any codicils (additions or amendments to it) Application process – what is required? The probate application IHT form 205 (if an excepted estate) *We will cover shortly Official copy of the death certificate Original will and 3 copies Application fee of £105 Addition monies if you require addition copies of the grant = not an excessive amount The application fee of £105 - a cheque made payable to HM Courts & Tribunals Service (there's no fee if the estate is under £5,000) Variable fees up to £250 in NI & Scotland Extra copies of the grant can be obtained (£1 -£10 each) - this means they can be sent to different organisations at the same time
Tips & Recommendations
Ensure you obtain multiple copies of the death certificate and grant of probate – most organisations will require an original certified copy! Retain a copy of the will as the original will not be returned by the probate office
Inheritance Tax Forms "Excepted estates"
Where a full Inheritance Tax account is not required then IHT205 (2006) – Return of Estate Information is completed Permanent resident of England, Wales or Northern Ireland This form is sent to the Probate office with PA1 C5 (2006) is completed where the person's permanent home was in Scotland Excepted estates Where a full Inheritance Tax account is not required – Return of Estate Information Person died after 1st September 2006 – permanent resident of England, Wales or NI Sent with the Probate application C5 in Scotland where the estate is small (under £36k or exempt)
One of the following must apply if death is after 1/9/2006:
Excepted Estates One of the following must apply if death is after 1/9/2006: Additionally, for deaths on or after 6/4/2010 if both the following apply: Simply put – On first death where the estate is under £1m and left to spouse or under £325k On second death and under 2 x IHT threshold (£650k) and 100% of late spouses unused IHT threshold has been transferred
Grant of Probate - Process
The probate office will send the executors/personal representatives an oath. They will need to swear the oath at either: the office of a commissioner for oaths (usually a solicitor) a local probate office – England & NI The local Sheriffs Court in Scotland The oath is a promise that the information given is true to the best of their knowledge. The grant should come through the post within 10 working days of swearing the oath. There may be a long delay via the local probate office. The Office of a commissioner for oaths (solicitor) is often quicker – flat fee of £5 per document + £2 for any attaching exhibits or schedules (including vat). Part of the interview process in Scotland and Northern Ireland where proof of identity and full details of the deceased's estate are required.
What IHT documentation does HMRC require if it is a non excepted estate?
A full account is required
An IHT400 (plus schedules) is required when there is Inheritance Tax to pay or the deceased's estate does not qualify as an "excepted estate" An IHT400 plus relevant schedules. 16 pages as opposed to 4 on the Return of estate Information form IHT205 Sent to HMRC and not the Probate Registry.
IHT 421 Question Two page summary for probate purposes.
Outlines those assets in the deceased's estate that will become the property of the personal representatives to distribute among the beneficiaries. It is sent to HMRC Trusts and Estates Inheritance Tax together with the IHT 400 form. Question How does the probate registry know that an IHT submission has been made and any tax paid? How does the probate registry know that an IHT submission has been made and paid? A simplified IHT421 form will also be required to accompany the IHT400 form. As these forms are sent directly to HMRC and not the probate office, HMRC will send a copy of IHT 421 once satisfied and any IHT has been paid to the probate registry so that probate can be processed. Question/answer = Once HMRC are satisfied and any IHT has been paid, they will send the IHT 421 form to the probate registry. The Probate Registry can now proceed with the probate process.
Tips & Recommendations
Get clients to maintain an accurate list of assets held – amounts, who with etc.. Ensure a list of gifts is made – remember a PET failing within the last 7 years will require you to look back at CLTs in the prior 7 years (the 14 year rule)! Utilise IHT 403 as a pro-forma to record gifts made Assist with recording normal expenditure out of income and annual exemptions. Very hard otherwise for the executor to reconcile/report. GREAT OPPORTUNITY FOR YOU TO GET A FULL UNDERSTANDING OF YOUR CLIENTS ASSETS! PART OF YOUR SERVICE REVIEW?
IHT 403 A couple of extracts from the IHT403 schedule that have been completed with the case study details. Left = gifts made Right = Gifts out of normal expenditure
Pension fund schedule – IHT409
The pension fund needs to be paid at the discretion of the trustees for it to be free of IHT. Another important schedule is in respect of pension funds. Those distributed at the discretion of the trustees are free from IHT but need to be recorded.
Tips & Recommendations
Discuss general advantages of a spousal by pass individual trust for any lump sum pension death benefits versus an expression of wish Review Section 32 & Retirement Annuity (S226) policies – are they under trust? A great opportunity to discuss the advantages of various pension trust arrangements i.e. spousal by pass trust for any lump sums but also to review existing arrangements. Action - Pensions are generally contract based or under a Master Trust. It is critical that you check old S226 and S32 contracts to ensure they have been placed under an individual trust – most are contract based.
Pension fund So as long as the pension benefits are paid at the discretion of the trustees they are never included in the estate for IHT purposes ….or are they?
Be aware of page 2 of IHT409! Remember that any transfers or changes to benefits made two years prior to death where the client was in serious ill health are likely to get challenged! Caution when considering a transfer of and changes to pension benefits where the member is in serious ill health and IHT is an issue! The value of pension benefits could be included in the estate for IHT purposes – even if the trustees are using their discretionary powers!
Who pays any Inheritance Tax due?
Usually, the personal representative pays Inheritance Tax on any assets in the deceased's estate that are not held in trust. The money generally comes from the deceased person's estate. However, because the tax must be paid within six months of the death and before the grant of probate can be issued (or grant of confirmation in Scotland), sometimes the executor has to borrow the money or pay it from their own funds. In these cases, the executor or the people who have advanced the money can be reimbursed from the estate before it's distributed among the beneficiaries So we have now looked at the probate application process and the relevant IHT forms but who will actually pay any IHT due? Personal Representatives on any assets not held in trust. The money generally comes from the deceased persons estate but as any IHT has to be paid before the grant of probate can be issued, the executor may need to borrow the money from the bank or pay out of their own funds. They can be reimbursed from the estate before it is distributed. The beneficiaries under the will might assist as they stand to benefit.
Finding the money to pay any Inheritance Tax due?
Ways to fund an Inheritance Tax payment before probate, include using the deceased's bank account, Government Stock or National Savings. Assets under trust (Probate Trust?) Conversation with HMRC? Other ways to fund any IHT due Specific assets that can be accessed. Ensuring assets are held subject to a trust. Even a probate trust that does not have any IHT savings but will help to speed up the distribution. Have a conversation with HMRC as there are incidences where they have deferred payment – where eligible property (land & buildings) is an asset of the estate = specific example.
Once the Grant has been issued – next steps
Contact organisations/obtain assets Pay any debts or outstanding payments As per the will Or if a will had not existed under the laws of intestacy Accounts should be prepared, approved and signed by the executors and main beneficiaries This could include outstanding bills and any tax owed The executors have a legal responsibility to pay off any debts or outstanding payments before distributing the estate The executors should send a copy of the grant to the relevant organisations (e.g. bank/ISA provider/share registrar) They should then release the assets so they can be transferred into the executorship account Distribute the estate Grant has now been issued. Contact the organisations and obtain the assets – 2nd time as should have made contact prior to get values and put a note on their records. Pay into the Executorship account established with a bank. Pay any debts/outstanding payments – cover shortly Distribute the estate – ENSURE ACCOUNTS ARE MAINTAINED AND IDEALLY, SIGNED OFF BY ALL INTERESTED PARTIES.
Dealing with debts on death
Any Inheritance Tax due will have to be paid before probate or confirmation is granted. Once received grant of probate/confirmation, need to use the money in the estate to pay off any outstanding debts. This needs to be done before the estate can be distributed to beneficiaries. If there isn't enough liquid money, this can mean having to sell assets, including property. Value of the estate less than all the debts owed by the deceased = 'insolvent estate'. - priority order………………….. IHT will have been paid before the grant of probate has been issued. After gathering in the assets, some may need to be sold to pay off the outstanding liabilities. If debts owed exceed assets = 'insolvent estate'. Priority order exists.
Dealing with debts on death
Secured debts such as mortgage and secured personal loans. Reasonable funeral costs and the costs of administering the estate. Unsecured debts, such as credit cards, unsecured personal loans, gas, water and telephone bills, unpaid rent, Council Tax and other taxes, and repayment of overpaid benefits. If there isn't enough money to pay everyone, the personal representative should take advice from a probate specialist on which debts should take priority, and they should inform the creditors that the estate is insolvent. https://www.moneyadviceservice.org.uk/en/articles/dealing-with-the-debts-of-someone-who-has-died Secured debts Reasonable funeral expenses and costs of administering the estate Unsecured debts – other taxes does not include IHT. If there are not enough assets to cover the debts it would be wise to seek the advice of a probate specialist on which debts should take priority. Important to inform the creditors that the estate is insolvent.
Tips & Recommendations
Place an advertisement in the local paper asking for creditors to come forward Avoids creditors coming forward at a later date and after you have distributed the balance of the estate.
Summary Ensure you are the trusted and valued adviser to the family
Assist clients recording of assets held and gifts made (IHT403) – reviews? Professional connections – talk the same language In summary At this traumatic time for the family, ensure your are the trusted and valued adviser but offering help and guidance. Recording of assets and gifts – better understanding of their circumstances and part of your review process. One for each of your clients? Professional connections – build credibility but talking the same language.
Question one Would you be interested in attending the full case study master class? Yes No
Question two Which particular financial planning aspects of dealing with an estate are of interest? Packaged IHT solutions Pensions & trust planning Holistic platform solutions All of the above
Important information
Information about tax is based on AXA Wealth's interpretation of current legislation and HM Revenue & Customs' practice. Tax treatment can change and depends on your client's personal circumstances. The information contained in this presentation does not constitute advice. It is designed for financial adviser use only and is not intended for use with individual investors. Any sample screen shots displayed are correct at date of issue but may be subject to change. AXA Wealth, Winterthur Way, Basingstoke RG21 6SZ. Telephone number: As part of our commitment to quality service and security, telephone calls may be recorded. AXA Wealth includes the following companies: Architas Multi-Manager Limited (No ), AXA Portfolio Services Limited (No ), AXA Wealth Services Limited (No ) and AXA Wealth Limited (No ). All of these companies are registered in England and limited by shares. Their registered office is 5 Old Broad Street, London EC2N 1AD. Architas Multi-Manager Limited, AXA Portfolio Services Limited and AXA Wealth Services Limited are authorised and regulated by the Financial Conduct Authority. AXA Wealth Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Each company promotes and distributes its own products. AXA Wealth Services Limited also promotes and distributes the products of AXA Isle of Man Limited and certain AXA Life Europe Limited products in the United Kingdom. Details of the companies offering specific products are shown in the product literature AXA Wealth is a marketing brand used by AXA Portfolio Services Limited.
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or take a girlfriend shopping in the hope of receiving some head later! Most of us would wish on that one, eh?!
Depend how MUCH shopping and how long for.Possibly cheaper to pay a pro$$ie, no need to 'hope' and you don't have to walk around town half the fucking day first
But sometimes I like to give a girl a massage, a firm lower back massage always goes down well with the girls.
Eh? So you are paying her to give her a massage so she can waste your time and enjoy wasting it? I'm sure it goes down well! If I was a wg i'd love that. Straight after my last client some other guy turns up gives me a wad of cash and massages me. Brilliant! I'm pretty sure she has her bf or hubby to do that at the end of a long day...really no need for you to unless you get your kicks from it
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I'm sure Dr T enjoys it. Anyway the same could be said for RO, I love giving it and gauging the girl's reaction - I wouldn't bother if I didn't enjoy it.
I love feeling a girls body, and yes i enjoy giving pleasure, wheather it's fucking them or massaging them.
I have been offered massages by most of the girls I have seen - usually at the start. When I was young and innocent, I accepted the massage at the start, but soon realised the error of my ways! I have only had one girl give me a really good massage - the type that makes your skin heat up and penetrates deeply. I prefer hour punts and she is my regular - to a degree because of the massage. It is a pleasure to have her massage me and rub herself over me - but only as I recover between rounds one and two. the majority of the other massages I have experienced between rounds one and two vary from the fluttering of fingers over my back (damn awful), to barely passable.
I have had escorts look pissed off when I have refused one before, and the sex was crap in those punts; prossies should realize it is the punters money and choice and it is often more inconvenient when a punter's time is wasted than a prossies (whether that be because the punt is crap, or he chooses to walk), yet escorts will tell you we are paying for their time, any manager in any other "business" wouldn't dare say that. But, I digress.
I got dressed and left, i felt a bit hard done too at the time. now it just makes me chuckle when i remember the girls face when i said 'oh, can i not just have a massage?'
My experience mirrors yours. When I first started punting, I assumed it was simply part of the deal and I was happy to accept it as such. Only through experience, did I come to understand it for what it is; simply a time wasting device to wind down the clock and waste my paid time, by distracting me, talking about shit. And besides, I never met one single prossie who knew how to do a proper fucking massage anyway! If I want a massage, I'll go to somebody qualified, such as some nice Thai girl, who's practices that and nothing else. If I wanted to receive head or fuck, book a prossie, get a 2am slag from some nightclub or take a girlfriend shopping in the hope of receiving some head later! Most of us would wish on that one, eh?!Alternatively, go to Thailand, where they can do both properly, for a minimal cost.
Visiting to Thailand for the talent has been on my mind, but punting in foreign climes makes me nervous. The final straw regarding massages came some time ago - towards the end of a really crap punt. She was like a corpse in the sack so I decided to knock it on the head. Since she'd been banging on about how she was professional masseuse [home taught no doubt] with glowing reports from past punters, I thought 'what the hell, it's on my time.' To cut a long story short, the dozy bint managed to injure me. I was fucking furious! Never, ever again.


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Unfortunately, there is a high prevalence of logical fallacies and misinformation in many raw feeding resources and circles, which only helps to further diminish the legitimacy of raw diets. This article will aim to address the current science based evidence that can be used as support of the merits of raw food diets.
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Very strange shell , snail ?
Uploaded: Dec 27, 2015
Views: 5
Likes: 5
Downloads: 0
Tags: snail, shell, color, wood, pencil
Tummy Slide Upcoming Game
by tummygames
Snail shell
by KlaraPoloskei
Snail shell in the forest
A Snail shell
by isam
Snail shell on paper
by MiloshR
Macro snail shell
by A-lyon
Close up snail shell
by PetraPrusina1990
Empty snail shell covered in dirt- Fhotoroom edit on Windows PC.
by AndroMan146
Good Morning Giant
by bunlee
Ritam trave
by gruby
Green Northern Lights
by Kristian192


text:
love this!
Coolest cat wheel ever! www.catwheel.net looloowheel-LWS101
Vegetable choo choo train.
Fun Food by Sabine Timm - Such a fun way for everyone in the family to get more veggies! #snack for #kids.
Best was cut with shape cutter & spread with peanut butter. Details are done in Nutella & boat is 1/2 a banana w/ gold fish crackers
Read it I'm always looking for easy snack ideas or appetizers! Whether it's for an after school snack or a party dish, time is always of the essence when you are a busy mom with little kids. This weekend I made a batch of these super easy and delicious Turkey and Cheese Crescent Rolls
These snack ideas are ADORABLE! Some people are so clever! I never would have thought of all of these amazing food art ideas, but they really are creative!
20 Easy After-School Snacks Your Kids Will Go Wild Over
ha ha ha
Пирог «Виноград». Красивая выпечка


text:
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d Removed on: 12/05/2016


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Pip Stoneham
Sleep under the stars
No story or details.
No photos.
Several times camping. Wish I did this more often.
As a kid many times~
Slept under the stars in Momument Valley with Navajo's. One ...more
We were camping and didn't feel like putting up the tent bec ...more
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There are certainly good facilities and access on all modern ships for people in wheel-chairs. You will be able to most things that able-bodied people can do with the exception of going ashore at ports where the tender(s) is used. Getting on and off these can be precarious for even the most nimble at times and cruise companies feel that the risk is too great to take wheel-chairs aboard tenders. I am certain that you will enjoy every minute of a cruise. ...Neil Down.
Ships will have specially designed accessible cabins which are twice the size of the usual rooms that have all the features. There will also be hoists etc to assist getting in and out of the jacuzzi and swimming pools. Wheelchairs will be lifted onto the Tenders. Everything will be accessible for you.
You will find you are well catered fo.
Canny Cruiser, London -
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By Rosie Taylor
Summer holidays are nearly here!Summer is just round the corner! Dont panic if you are still to book your cruise holiday, there are still places available but you will need to be quick.Yesterday there was a drizzle of snow on my conservatory roof when I woke! Brrrr I hope it warms up soon.We all enjoy sunshine and families prefer heading to the sunnier destinations.Mediterranean cruises are the most popular. Sailing out of the UK is also popular and the number of ships sailing from Southampto...
Read More
Apr 27 2017 07:45:41:000PM
By Camilla Edwards
Price is obviously a huge factor when booking and cruise or holiday, so looking through the deals on our website 599 per person for a 10 night cruise looks like a really good deal. A look at the itinerary though might make you think it`s a bit cold in this region in December.P&O`s Aurora is one of her much loved older, smaller by today`s standards, ships. This itinerary sets sail on 6th December 2017 and calls at Hamburg, at 2 day stop in Copenhagen, Olso, Amsterdam and Zeebrugge for Bru...
Read More
Apr 24 2017 05:52:38:000PM
By DJ Weatherall
Majestic and her stunning atrium is the heart of the shipThe Plaza on Majestic is on Deck 5 – from here you can access 3 decks either by marble staircase or Panoramic Lifts – it is without doubt the heart of the ship. There are restaurants and bars, cafe's and lounges, speciality tea and coffee takeaway or sit down areas and the all important shops.I know some lines prefer to have a royal promenade that runs along the centre of the ship – but Majestic just like Royal a...
Read More
Apr 25 2017 06:25:44:000PM


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SOCIAL MEDIA: 'Flogging' and 'flying blind'
Everyone in the Northwest, it seems, has met "Goat-Renter Guy," "Over-caffeinated Seahawks Fan" or "Oblivious Left-Lane Occupant."
The quirky characters in Pemco Insurance's award-winning ad campaign have helped make the Seattle company's brand instantly recognizable.
But bet you haven't encountered "Gluten-Free, No-Refined-Sugar, Soy Allergy Lady." At least, not recently.
That's because the character caused a stir on Pemco's Facebook page in February. The insurer's apparent mockery of a medical malady prompted one Facebook user to object that the spot was offensive, "and then the word really spread," said Rod Brooks, vice president and chief marketing officer for Pemco.
One commenter started with "You guys suck. The allergy lady is beyond offensive."
Today, Brooks and other experts use this story as an example of how to respond effectively to social media disasters.
But first, here are a couple of things not to do. Don't dodge the issue by posting bogus positive remarks from a fake blog (known as "flogging"), and don't dangle free gifts to consumers willing to post nice things about your company (known as "pay for play").
"We see these kinds of practices all the time. They are categorically unethical," said Bob Frause, chairman and CEO of Seattle communications company Frause, and a 20-year member of the board of ethics for the Public Relations Society of America.
So what is ethical and effective social media behavior? It's generally agreed that a key — perhaps the key — to a company's social media success is listening to what people say about you. Two obstacles crop up.
The first is "flying blind" — failing to listen across every platform available.
"A lot of people don't know how to listen," said Pemco's Brooks, adding that monitoring online chatter doesn't have to require a commercial-strength, expensive consultant.
"There are a lot of free search tools out there," he said, mentioning Google Alerts, which is used by many businesses to receive free email notifications when their company is mentioned online.
The second problem comes when managers don't like what they hear.
Tim Smith, a Seattle executive with global public relations firm Edelman, notes: "We counsel our clients to closely monitor mentions of their brand online… This means listening – and, yes, sometimes hearing things that are negative (whether true or not).
"The online conversation of a brand is going to take place with or without it, so it's best to participate," Smith added. "This must be done respectfully and fairly, and there are examples when companies failed to do this with the result of even more damage to their brand."
After an ad last month that wondered, "Where do lost ChapSticks go?" Pfizer-owned ChapStick found a lot of people objecting on its Facebook page to the ad's rear view of a woman, butt in air, searching behind a couch.
ChapStick's initial response was to erase the negative comments. That's when the trouble really began.
"People keep commenting. ChapStick keeps deleting. People get angry," Tim Nudd wrote in Adweek.com, a media news website and magazine, where the episode was called a "social media death spiral."
In fact, negative comments disappearing from ChapStick's page soon had a new Facebook home: "Butt Seriously, ChapStick."
ChapStick finally pulled the ad, and on Oct. 26 posted: "We promise we'll do better! We're aware of the discussion going on across social media, and we're listening."
Which gets us back to those "We're a lot like you — A little different" spots from Pemco.
The brouhaha over the Gluten-Free Lady "could have been incredibly disruptive and negative," says Brooks, who is also president of the national Word of Mouth Marketing Association (WOMMA). "But within a total of 48 hours — and even less than that in terms of first response — we identified it and dealt with it."
What Pemco didn't do was delete the negative comments.
"If someone is being critical without defaming a person or other specific entities, we would never delete it," Brooks said.
Brooks posted on Facebook: "The health of another member of our community is not a laughing matter. I'm sorry we crossed the line."
He now uses the episode as part of a talk on creating social media buzz, which notes "two great ways to respond to even the most challenging assertions: Thank You and We're Sorry."
"One of the things I have on a list of worst practices is, don't ignore it. Negative criticism, customer complaints — all should receive some type of response," Brooks said. "One thing that's worked very well for us is to thank them for bringing something to our attention and invite them to tell us more, preferably offline."
In the gluten-free case, the result, he said, "was that within 48 hours the people who had criticized it were back online, thanking us."


text:
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85 Nanny Jobs Found
Nanny/Childcare Provider
Posted by Christine L. on 4/22/2017
- 7 miles away (Escondido, CA)
- $8–12/hr
- 3 children
I am looking for a nanny to care for my toddler and pick up my two boys from elementary school for 2-4 days a week.
Teacher _ PT/ FT
Posted by Melinda G. on 4/20/2017
- 23 miles away (Santee, CA)
- $10–14/hr
- 5+ children
Santee is Hiring! Cuyamaca We are rapidly growing and seeking Part Time and Full Time Teachers! Infant ~ Toddler ~Substitute We are looking for candidates that are as passionate about the growth and development of the precious children in our care as we are. We are most interested... More
After school sitter and part time nanny...
Posted by Manju B. on 4/20/2017
- 18 miles away (San Diego, CA)
- $1–20/hr
- 2 children
Hello, We are expecting this Oct and would like a part time nanny for new born . I'm 34 yrs and have a 4 and half yr old preschooler who needs nanny/play mate too. We wanted nanny help for 2 hours in late afternoon after 2.30 pm. We would like to start with one day a week, since we have never... More
Nanny for 6 month old
Posted by Marcela L. on 4/20/2017
- 13 miles away (Del Mar, CA)
- $16/hr
- 1 child
Hi! We have an amazing, happy, fun, smily 6-month old baby, and we're in need of a nanny for 5 hours of work 4-5 days a week. We would like you to be fit, healthy, loving, attentive (not distracted by your phone constantly) and a happy and affectionate person.
Flexible Nanny Needed
Posted by Michelle M. on 4/19/2017
- 13 miles away (San Diego, CA)
- $10–15/hr
- 3 children
We are a loving and flexible family in need of childcare for our sweet 4yo boy. Hours and days vary. Would also need you to pick up our 8&10 yo at 3, so need reliable transportation. Hours range on avg 20-40 hours a week and days differ at this time. Would prefer someone who lives near the Rancho... More
part time to full time nanny needed for...
Posted by Patty W. on 4/20/2017
- 4 miles away (Escondido, CA)
- $15/hr
- 1 child
i need someone who is super flexible and that can come on short notice as the times and days change. someone that can come in the evenings as well. someone who can entertain the toddler so she is not watching tv there is a very sweet dog, so someone who is willing to go for walks and take the dog... More
after school sitter needed for one 5 year old
Posted by Tyler S. on 4/18/2017
- 23 miles away (San Diego, CA)
- $10–15/hr
- 1 child
5 year old needing to be picked up from preschool and brought to the house, and watched for a few hours until his mother gets home from work. during the summer months the hours may expand.
Infant care
Posted by Bruce A. on 4/17/2017
- 5 miles away (Escondido, CA)
- $10–15/hr
- 1 child
Looking for a loving, caring and gentle nanny to take care of our 4 month old son. And do light cleaning, laundry and prepare food when baby is sleeping. This is a full time opportunity (40+ hours).
After school nanny needed for 4 year old...
Posted by Sarah M. on 4/17/2017
- 20 miles away (San Diego, CA)
- $10–12/hr
- 2 children
I have a 9 month old baby boy (DOB 6/28/16) and 4 year old boy who I need help with 4 days a week (Monday-Thursday) after school from 2-6pm. No special needs, no allergies, very sweet and well-mannered, great sleepers and eaters. I am a research psychologist at UCSD and need extra help after my... More
Part-Time, Short-Term Nanny/Sitter in...
Posted by Britta M. on 4/17/2017
- 8 miles away (Carlsbad, CA)
- $12–15/hr
- 2 children
We are seeking a kind, energetic, and responsible short-term, part-time sitter/nanny to play with and care for our two sons at our home in Carlsbad between May 15, 2017 and June 10, 2017. The position would be Wednesdays from 12:00 noon until 5:00 pm, and Fridays from 1:00-5:30 (we have some... More
Part Time Loving Nanny Needed
Posted by Shiloh W. on 4/15/2017
- 10 miles away (Oceanside, CA)
- $10–15/hr
- 2 children
We are looking for a part-time nanny for our 2 kids ages 4 and 8. Responsibilities would include after school care, school drop off/pick up, homework help and light meal prep. Must also be comfortable with dogs. we are an active family who loves the outdoors. we are looking for someone... More
Full-time Nanny in Encinitas
Posted by Traci W. on 4/16/2017
- 8 miles away (Encinitas, CA)
- $18/hr
- 2 children
Hi! Seeking a full-time nanny (nanny share) for two sweet babies (8 months & 1 year) in the Carlsbad/ Encinitas area. One of the moms will be home with you most of the time working from home office. Monday - Friday during the day. Approximately 35 hours per week. Regular Hours: Monday 8am -5:30pm... More
Loving And Attentive Nanny (Who Will Treat...
Posted by Katelyn W. on 4/17/2017
- 10 miles away (San Diego, CA)
- $15–17/hr
- 1 child
We are looking for a loving and attentive nanny for 4 days a week (8 a.m. -6 p.m. ) for my 8-month-old sweet little guy. This is my first baby, so I want to make sure I find the perfect fit for my son (someone who will treat him as their own). We want to welcome our nanny as a member of our... More
Live In Nanny Position
Posted by Courtney R. on 4/15/2017
- 10 miles away (San Diego, CA)
- $10–15/hr
- 5+ children
Hello, I have 6 kids ages 8,7,5,3,2, and 4 months. I am looking for a full time live in Tuesday through Saturday or open to discussing other options. The main times I need are Tuesday through Friday 3-7pm; ideally Monday as well 3-7pm; 6-10 hours on Saturday; I would fill in other hours a week to... More
Live-In or Live-Out Nanny Needed for 3 1/2...
Posted by Nicole M. on 4/14/2017
- 11 miles away (Rancho Bernardo, CA)
- $13–18/hr
- 2 children
Hello! We are a family of 4 and need a live-in nanny to help with our 2 children in Rancho Bernardo. Schedule will start end of May/early June. Qualifications: * Highly reliable * Able to care for sick children * Comfortable with being at home with kids all day * Is good at communicating... More


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Product Marketing Consultant
SiriusDecisions - Wilton, CT, USA
Our consultants work collaboratively with our research analysts and use SiriusDecisions research ... go-to- market processes, etc.) to our clients based on their requirements. Projects span ...
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... market trends and conducting analyses of Greenwich's proprietary data. Findings are then used to ... research methodology and how we create value for clients. The individual wi...
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FP&A Analyst
Priceline.com - Norwalk, CT, USA
... with a market cap of $85 billion and over $10 billion in revenue, is a provider of travel and ... 4) perform other ad hoc analysis. The candidate's FP&A responsibilities will fo...
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CareMount Medical - Chappaqua, NY, USA
Our commitment to quality is demonstrated by the four basic principles of CareMount Medical are to ... Research policy and reimbursement for new procedure codes prior to implementation • Ass...
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Enthuse Marketing - Norwalk, CT, USA
Skilled in quantitative market research and business performance analytics * Strong background in data manipulation and frameworks that drive business results * Proficiency in understanding the full&n...
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... Research. This individual will provide thorough fundamental credit analysis, provide timely ... market opportunities. Analysis will include total exposure, maturity, and relative va...
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Recruiter.com - Norwalk, CT, USA
... clinical research process (Phase 1-Phase 4) Establishes and organizes study files, including but ... Assisting financial analyst in development of calendar and Medicare Cost Analysi...
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Beiersdorf - USA
... concepts and execute market research studies including segmentation, equity tracking, PiUT ... analytical skills. * Experience in financial analysis and strong skillset in P&L...
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Perform research and analysis on technical accounting issues to ensure proper accounting treatment ... Experience in a Big 4 accounting firm is preferred, but not required; Energy Industry e...
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Industry leading global mfg/distributor with record profits. - Darien, CT, USA
... Research new FASB accounting pronouncements to determine their affect on pro forma footnotes and summary analysis. • Coordinate the year end audit with Big 4 firm and evaluate and document a ...
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text:
Entra numa sala de chat qualquer para adiccionar uma modelo a esta lista.
Caro Guest289963, Infelizmente não tens modelos na tua lista de amigos. Sugerimos que te familiarizes e faças alguns amigos. A lista completa dos nossos modelos pode ser encontrada na página principal.
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A Wayside Shrine in Northern Moab: Excavations in the Wadi ath-Thamad [Hardback]
P. M. Michèle Daviau (Editor); Margreet L. Steiner (Editor)
Regular Price: £50.00
Special Price: £37.50ISBN: 9781785707087
Published by : Oxbow Books
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Major recent excavations have shed much light on the complexity of Iron Age society and religion in southern Palestine, a region where both Judeans and Edomites lived. However, it is not clear whether the religious practices attested at these... .... Learn More
Landscapes of the Song of Songs: Poetry and Place [Hardback]
Elaine T. James (Author)£64.00ISBN: 9780190619015
Published by : Oxford University Press
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In this masterful new study of the ancient poetry of The Song of Songs, Elaine T. James explores the Song's underlying interest in the natural world. Engaging with the fields of geography, landscape architecture, and literature, James critiques th... .... Learn More
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C. D. Elledge (Author)£65.00ISBN: 9780199640416
Published by : Oxford University Press
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Wealth and Warfare: The Archaeology of Money in Ancient Syria [Hardback]
Frédérique Duyrat (Author)£160.00ISBN: 9780897223461
Published by : American Numismatic Society
Series: Numismatic Studies
Volume: 34
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Excavations by K.M. Kenyon in Jerusalem 1961–1967, Volume VI: Sites on the edge of the Ophel [Hardback]
Kay Prag (Author)£50.00ISBN: 9781785706530
Published by : Oxbow Books
Series: Levant Supplementary Series
Volume: 18
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Walking Through Jordan: Essays in Honor of Burton Macdonald [Hardback]
Geoffrey A. Clark (Editor); P. M. Michele Daviau (Editor)£90.00ISBN: 9781781792834
Published by : Equinox
Not yet published - available for pre-order
The objective of Walking through Jordan is to acknowledge and honor the singular achievements and wider impacts of Jordan's most prominent survey archaeologist, Burton MacDonald. MacDonald is a biblical scholar by training who has written extensiv... .... Learn More
Palmyra: An Irreplaceable Treasure [Hardback]
Paul Veyne (Author)£17.00ISBN: 9780226427829
Published by : University of California Press
Not yet published - available for pre-order
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The Archaeology of the Ostraca House at Israelite Samaria [Hardback]
Ron E. Tappy (Author)£74.00ISBN: 9780897570954
Published by : American Schools of Oriental Research
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The Israelite Ostraca, or pottery fragments, are among the most important finds ever recovered by the Harvard Expedition to Samaria in 1908 according to George Andrew Reisner, who led the expedition to excavate the site of the capital of the ... .... Learn More
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Personal Statement
Our team includes experienced and caring professionals who share the belief that our care should be comprehensive and courteous - responding fully to your individual needs and preferences....more
Our team includes experienced and caring professionals who share the belief that our care should be comprehensive and courteous - responding fully to your individual needs and preferences.
More about Dr. C.K Ponday
Dr. C.K Ponday is a popular Cardiologist in Mumbai, Mumbai. He has completed MBBS . He is currently associated with Hunduja Hospital in Mumbai, Mumbai. Save your time and book an appointment online with Dr. C.K Ponday on Lybrate.com.
Find numerous Cardiologists in India from the comfort of your home on Lybrate.com. You will find Cardiologists with more than 44 years of experience on Lybrate.com. You can find Cardiologists online in Mumbai and from across India. View the profile of medical specialists and their reviews from other patients to make an informed decision.
Find numerous Cardiologists in India from the comfort of your home on Lybrate.com. You will find Cardiologists with more than 44 years of experience on Lybrate.com. You can find Cardiologists online in Mumbai and from across India. View the profile of medical specialists and their reviews from other patients to make an informed decision.
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45 years old male asked
I am a male 43 years. I never eat fatty foods, like chicken fry fish fry or any other fried items. And I am using less sugar items. Food always normal, only three times. Idly sambar or dosa, chatni, rice and curry etc. My father, mother, uncle, sisters, they have no sugar problems, only normal. Every day I am walking around five kilometres and always active. My problems is facing sugar and cholesterol. Cholesterol levels is, total always 200 to 220. Sugar level is Fasting 140 to 185. Random is 110 to 125. After good (2 hrs), 150 to 180. And hbA1c is 7.5. Sir please advice me what is my exact problem? Do I am very sad tensioned. Kindly advice me.Pls
PGDHM, PGCDM, MD - Internal Medicine, MBBS
General Physician, Ahmedabad
Hello Your FBS above 100 mg % and HbA1c above 6.5 suggest you have Diabetes, and dont worry start taking treatment for Diabetes along with Life style Modifications. Thanks Dr Joozer Rangwala
19 years old male from Bhilwara asked
MBBS, MD-General Medicine, DM - Cardiology
Cardiologist, Secunderabad
Book reading, gardening, birdwatching, morning walk, Public library, Pets and most importantl of all Grandchildren are some ways to keep your father engaged and help in relaxation.
20 years old male from Vapi asked
I am 20 years old. I am having pain in left side of the chest. At lower center. It pains when I touch it. Just that spot is paining. I also having gastric problem. And I did ecg 8 months ago it was normal. What is the cause of this pain?
MBBS, MD - Community Medicine
General Physician, Jaipur
This is not related to heart. It may be localised pain due to some boil or related local lesion if it pains on touch. Surgeon would more appropriate doctor for you, in this case.
year old male asked
Father having hypertension problems since last 15yrs, doctor says its a familial hypertension which runs in all family member then will it occurs in me also? Is thr any way to prevent from hypertension?
DNB Cardiology, MD - Internal Medicine, MBBS
Cardiologist, Delhi
Dear , yes, high bp can run in families. Maintain normal body weight, exercise regularly, take moderate amount of salt, reduce stress. Get your bp checked regularly. If high, take medicines to control it under supervision of a physician/cardiologist.
28 years old male from Vijayawada asked
Seriously I don't have any BP but I can not control my angry daily and I lose my temper daily how to work in this problem would you do to please tell me and give me good idea sometimes I am very cool but I don't know how this much angry been in my mind will you not help me sir thank you.
PGDCC (Cardiology ), CCEBDM (Diabetes), CCGDM (Gestational Diabetes), CCMTD (Thyroid), MBBS
Cardiologist, Udaipur
Hi, start doing regular meditation and yoga. Go for regular morning walks. Try to ease out. These all will help you a lot. Rest is behaviour modifications which you will have to bring in your self to control dat urge.
19 years old male from Ahmedabad asked
Hello, I am a 18 year old boy suffering from problem of less amount of vitamin D3 and vitamin B12. Along with it I have deficiency of serum cholesterol So, please tell me how could I increase this vitamins.
General Physician, Davanagere
See looking at your explanation you might have pancreatic insufficiency. Jus get test done for pancreatic function.
49 years old female from Birbhum asked
Sir, My mother is 48 years old and suffering from heart diseases. What types of food she takes in her diet chart?
MD-Physician, PGDCC
Cardiologist, Jaipur
Hello. A heart disease patient should not be taking much oils. And all oils are bad. Use rise bran oil in cooking. Less sugars. Less fatty food. Consult an expert on this if you need.
26 years old male from Delhi asked
Related to cardiology. What MICS is best alternative option of open bypass heart surgery? It is more beneficial ya not? What is the success rate of MICS in india? Which one hospital is best for MICS in india? please reply.
MD - Homeopathy, BHMS
Homeopath, Kolkata
The question very much irrelevant in relation to health. However AIIMS is the best for your service but after MCIS the patient should undergo through homoeopathic treatment to eradicate the chemical intake.
45 years old male from Visakhapatnam asked
I am suffering from some financial problems. Due to this when I am tensed I am loosing my energy like my blood pressure goes down resulting fainting or my anger goes night causing a big quarrel. For this I am taking some medication from my family doctor." censpram plus" tabs. If I am not using it my health gets disturbed. How my months r year I need to take these pills. Is there any remedy for my depression.
Homeopath, Bareilly
Psychotherapy helps a lot in depression. You should strengthen your mind to get out from this situation and also to get rid off medication. Do meditation daily for mental strength. Taking stress will not solve your problem, but will affect your health. Take homeopathic medicine brynoia 30, 4 dose daily and kali phos 6x, 4 pills 4 times daily.
45 years old male from Wayanad asked
I am 44 year old man recentely I check my bp and cholstrol, bp, 172 to102, cholsrol total -more than 300, shugar normal, I feel just head ache only, please aduvise me.
MBBS, MD - Internal Medicine
Internal Medicine Specialist, Faridabad
High triglycerides and cholesterol can cause atherosclerotic heart disease or narrowed coronary arteries in the heart can cause the symptoms of angina, when theheart muscle is not provided with enough oxygen to function. Decreased blood supply to the brain may be due to narrowed small arteries in the brain or because the larger carotidarteries in the neck may become blocked. This can result in a transient ischmic attack or stroke. Peripheral artery disease describes gradual narrowing of the arteries that supply the legs. During exercise , if the legs do not get enough blood supply, they can develop pain , called claudication . Other arteries in the body may also be affected by plaque buildup causing them to narrow, including the mesenteric arteries to the intestine and the renal arteries to the kidney. Change life style .do meditation,yoga, Go walk daily, do any one physically activity daily i.e.play any game., Avoid fast foods,oily foods,junk foods,alcohol,smoking,fatty foods, non-veg.,avoid stress,take plenty of water in day time. And 1 glass of water before bed at night. use flax oil, omega-3 fatty meal or cap., take .green veg., whole grain. Garlic,. Cod liver oil. Take anti cholesterol medicines .
19 years old female from Kurnool asked
Hi sir, last year in the month of april, my grand mother had bypass surgery and now she was suffering with itching beside the stitches, can you give me the precautions sir.
Itching around stitches has nothing to do with stitches which are 1 year old. Look for other causes and also at other places also. Apply powder clotrimazole (absorb, mycoderm-c) liberally on affected area, no ointments during summers, problem if infective will spread to other areas due to sweat + ointment. Powder will seal the area. Do write back after a week, if relief, otherwise seek opinion of a skin doctor.
26 years old male from Bangalore asked
Sometimes (once or twice) in a month I feel a pain in my left side of chest. It feels like a pinch of needle and remains only for 2-3 seconds. I take deep breaths whenever it happens. Beat my chest with my fist and it goes away. But I think it is related to my heart and it is like a clotting .I don't want to take the risk. Kindly let me know what is the reason of this.
BAMS, MD Ayurveda
Sexologist, Lonavala
Try the following remedy it will surely help you 1. Take 1 tsp of dried watermelon seeds 2. Add 1 tsp of cuscus powder 3. Crush the mixture 4. Have this once in the morning and the evening 5. Consume for 3-4 weeks Causes: • Obesity • High salt intake • Alcohol consumption • Mental or physical stress surely you will get results.
28 years old male from Jammu asked
My triglycerides are 551. I am 29 years old male. Is it advisable to join gym for bodybuilding? Or first I lower my TG? Is doing gym while having higher TG harm my heart?
General Physician, Cuttack
Take exercise regularly,avoid oily and spicy food, reduce your weight. Avoid egg, mutton. Monitor your TG level and consult doctor if it is still high
0 year old male from Jaipur asked
A am suffering dry cough for the last 2 weeks and I have chest pain whenever I cough hard can you suggest what should be done?
General Physician, Greater Noida
Hi lybrate-user. It is important to find out underlying cause. Causes of cough are many like. Cold, pneumonia, bronchitis, sinusitis. Whooping cough. Post nasal drip. Allergy. Asthma copd smoking. Laryngitis. Bronchiectasis. Aspirations. Medication like ace inhibitors for bp. Interstitial lung disease. Heart failure. Rarely lung cancer. Cough may be aggravated by breathing cold dry air, air pollution, inhalation of dust and smoke, excessive use of voice. To findout underlying cause sputum culture, ekg, lung function test, xray of chest and sinuses are done. Dry cough may be relieved by 1. Demulcents that treat dry cough by coating and soothing pharynx and relieve irritation that triggers dry cough. Cough syrup containing sucrose and glycerol. 2. Honey with warm water and lemon. 3. Steam inhalation. 4. Gargling with warm salty water. 5. Cough suppressant containing dextromethorpan or codeine or dihydrocodeine. 6. Sucking lozenges. For chest pain you can take pcm and warm compression at pain site.
39 years old male from Ghaziabad asked
Dear sir I do not have any pain in heart but my TMT report showing positive. MY BMI-22 weight-64, height 5'10' Result exercise duration-=3.53 min Max heart Rate--156 BPM Max BP--142/80 Max Work Load-5.48 METS I do not have any family history 1 Year before--TMT was ok 3 months back -ECG was ok 15 days back--Back Total cholesterol-168 HDL-52 LDL-70 triglycerides-157 I do not have any pain in chest only problem is increase heart rate-between--85-110BPM Pls suggest what I need to do.
PhD, Human Energy Fields, Diploma in PIP, EFI, Aura scanning for Health evaluation; Energy field assessment, Fellowship Cardiac Rehabilitation, Cardiac Rehabilitation, MD (Ayur - Mind Body Med), Mind Body Medicine
Non-Invasive Conservative Cardiac Care Specialist, Pune
Dear lybrate-user tmt evaluates heart response to physical stress. At 39, aging sets in. The best option is to take up yogasana and meditation and follow healty food habits to support your body to remain healthy. Keep positively engaged and motivated.
32 years old male from Delhi asked
My heart beat rate is 94 per min should I consult a doctor immediately or I should do physical exercise regularly. Please help me on this.
General Physician, Pune
It's safer to consult doctor and explore cause of your tachycardia I.e. fast beats. For tachycardia, yogasans help better than gym exercises. Practise shavasan and pranayam. Moderate exercise is also good.
year old male asked
Homeopath, Ahmedabad
Hello, Diabetes and blood pressure are again attributes of underlying emotinal/intellectuall turmoil. this are on rise globally due to the lifestyle we are following. first hand focus on having a healthy balanced diest, include exercise in your daily routine, and engross in some activity you like to do - hobby activities to handle the stress. Above all you should start with Homoeopathic medication after proper consultation. it helps in restoring the self-regulatory powers of body and thus naturally mangaing sugar and blood pressure levels without any medication and side-effects. Enjoy Health With Homoeoapthy! Dr Anand Joshi +91 8866877070
40 years old male from Kanpur asked
Sir I am 40 years old and have been face problem fat my bp 120-180 my wait is 87 kg my body has simple but stomach to fatty what is the solution?
Dietitian/Nutritionist, Chandigarh
Hi lybrate-user Set goals– Its important to set a goal to reach the goal, without a specific goal in mind you do not reach anywhere Have a plan -Before beginning your journey towards healthy weight , have a plan ready to follow and try to follow it as much as you can. Chew food well– Half of the digestion happens in your mouth, when food mixes well with your saliva, teeth are there for chewing food well, don't just gulp your food down the throat, few not well digested can also lead to gaining weight Eat slowly, eat mindfully– Eating slowly and giving attention to what you eat helps you to digest your food well and also helps you enjoy the process of eating Eat vegetables with every meal- It is important to include vegetables in form of salads, soups or sabji with every meal, vegetables are good sources of vitamins and minerals plus are low in calories, it helps give feeling of satiety. Eat protein with every meal– Protein are important part of our diet, they help increase our metabolism and also help to repair wear and tear of body muscles. A diet with required amount of lean proteins aids in weight loss Cook at home– Avoid outside foods, they are high in not so good fats, colours, salt and preservatives. Learn to read labels – It is very important to know what goes into the food you eat, some of the things, like hidden fats and sugars can infact make you overweight Avoid foods with high salt content – They may lead to water retention Start eating healthy not dieting– Choose your foods well, learn what is good for you and your body and what is not Love your body- It has been working to keep you working day and night, it needs good attention from you too. Give it real and nourishing foods Sleep well- Lack of sleep leads to gaining weight Keep stress at bay– Being stress can be one of the reason for weight gain. Do not be discouraged , weight loss takes time and quick fixes are not long lasting Never lose sight of your goal. Avoid drinking calories – Avoid drinks high in sugars and calories. Exercise Regularly Do not binge eat after diet slip ups– We are all humans and are subject to err, its natural to slip up sometimes, but that does not mean we fail, we can get back to eating healthy the next moment. Last but not the least- Get up and follow now what you have read. Wish you good luck.
20 years old female from Mumbai asked
I have mouth ulcer since 6 months. What should I do? And I also have low blood pressure what prevention I should take?
MDS - Oral & Maxillofacial Surgery
Dentist, Chennai
Eat lot of fruits & green leafy vegetables & drink plenty of water. Kindly consult a dentist in person for further suggestion. We need more investigations with clinical examination to decide upon treatment. You may need coronoplasty (smoothen teeth edges) along with t. Rebagen 10, morning one tab & one at night for 5 days, c. Becosules 5 cap, for five days in the morning after meals. Hexigel ointment on the area of ulcer. Rinse your mouth thoroughly with a mouth wash after every meals.
52 years old male from Nagpur asked
I suffered a heart attack few months back thereafter undergone angioplasty. My age is 50yrs. Can you please clarify, whether I should avoid Cow Ghee, cashew nut completely. Some people says Cow Ghee is good in small quantity (half a spoon daily).
Yes you can have good fats and cow ghee is one of the good fats, do take only a spoon per day, other good fats are nuts including cashew nuts which uplift the mood too, these cashew nuts are anti depressents also! take only few per day, but never fry any nuts or sprinkle salt on them for taste.
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Can I use Kojic Acid during the day?
Hello doctors, I am a dark skinned black girl who is trying to lighten my face. Is it possible to use kojic acid on my face in the morning (and use sunscreen when I go out) or should I only use kojic acid at night? I hope that if I do use kojic acid in the morning, it will not darken my skin.
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Typical hotel room, clean and decorated well - could compare to a Marriott type hotel. Evening meal outstanding, expect hotel prices, children able to chose from adult menu but half priced, half sized portions. Breakfast superb with great service and huge choice. Free parking available and five minutes walk to the beautiful centre of Hameln. Great perk - they make you a coffee to take away with you on your journey. Highly recommend!
- Official Description (provided by the hotel):
- The modern 4 star Mercure Hotel Hameln has 105 rooms and is located in the city centre, adjacent to the Buergergarten park and a two minute walk from the historic town centre. The hotel features WLAN, a restaurant with a summer terrace, a cosy bar and8 conference rooms for up to 500 people. The hotel also offers a swimming pool on the 1st floor and solarium, steam bath and sauna on the top floor offering a panoramic view of the old town centre. ... more less
- Reservation Options:
- TripAdvisor is proud to partner with Expedia, Hotels.com, Hotel.de, Priceline, Hotwire, Booking.com, ACCOR, TripOnline SA, Cheap Tickets, Evoline ltd and HotelQuickly so you can book your Mercure Hotel Hameln reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.
- Also Known As:
- Accor Hotel Hameln


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Hi! Has anyone stayed at the Ta Cenc in Gozo recently? I could only find posts from years ago.
Planning a trip end of April. Have booked 2 nights at Xara palace Malta and unsure about 2 nights in Gozo. Any suggestions?
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Hotels in Gozo
Hi! Has anyone stayed at the Ta Cenc in Gozo recently? I could only find posts from years ago.
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A friend of mine emailed me a Frommer's post recently from someone who had traveled to Malta recently. Here's the portion of the post about Ta Cenc:
"At the suggestion of Walter Boden, the capable and highly personable part-owner of Academic Tours, I visited Gozo first. It was fantastic. I stayed at the Ta' Cenc (tah-CHENCH') Hotel and couldn't have been happier.
Others had advised me to stay at the Kempinski Hotel San Lawrenz, but I loved the atmosphere at the historic Ta' Cenc (peaceful and quiet and my room had French doors that opened onto a private patio surrounded by gardens). The service was impeccable; I had an exquisite meal at the hotel's gourmet restaurant and a first-class massage at the hotel spa. While in Gozo, I stopped by the San Lawrenz to take a peek, and although it was clean and classy it was also new and sterile. I was glad to stay in a hotel with more character."
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Santa Monica City Council: Santa Monica City Council
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BBC World Service
BBC World Service
Good Food
Everything you wanted to know about good cooking, good eating, good food! From LA Chef, author, radio host, and restaurateur Evan Kleiman, at KCRW.com.
The Business
The Business, an in-depth look inside the business of entertainment. Hosted by editor-at-Large of the Hollywood Reporter Kim Masters, at KCRW.com.
To the Point
To the Point, hosted by award-winning journalist Warren Olney. A fast-paced, news-based daily show about hot-button national issues of the day. At KCRW.com.
Tim Burgess
May 31, 2005
Tim Burgess
The Charlatans UK frontman Tim Burgess performs songs from his solo project on Morning Becomes Eclectic at 11:15am. Click HERE to Watch!
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May 31, 2005
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text: Argentina Stocks Track Rally in U.S. Updated April 22, 1997 6:27 p.m. ET BUENOS AIRES -- Stocks surged Tuesday in a late-session rally that paralleled sharp gains in the U.S. financial markets. The Merval Index rose 16.92 to 714.77, after... To Read the Full Story Subscribe Sign In Most Popular Videos North Korea's Missile Advancements Trump's Tax Plan: Three Key Takeaways Film Trailer: 'Guardians of the Galaxy Vol. 2' A Breakthrough in Premature Newborn Technology Film Trailer: 'Baby Driver' Most Popular Articles Trump Unveils Broad Tax-Cut Plan Are You in a Partnership, S-Corp or LLC? Here's How Trump's Tax Plans Could Affect Your Taxes The Paparazzi-Proof Airline Terminal The Hedge Fund Manager Who's Shorting America's Malls Where College Seniors Are Falling Short