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Guide Book to Factoring
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1 Guide Book to Factoring 1
2 Contents Welcome 3 Our Aim 4 Introduction 5 New Customers 6 Submitting your invoices and credit 7 notes Calculating your availability 8 Disapprovals for funding 9 Funding 10 Credit control and collection 11 Customer statements and end of month 12 Accessing your on line account ( Client 13 Access ) Reports 14 Analyzing your account 16 Accounting 17 Appendix 1- Details of Customers 18 Appendix 2- Introductory letter Appendix 3 Debt Schedule
3 Welcome We are delighted that you have chosen to work with Bibby Financial Services (Singapore) and would like to take this opportunity to welcome you on board. Our aim is to support your business by providing you a flexible funding facility. Tailored to your individual needs, with the highest level of client service and in doing so, help your business reach its full potential. This guide has been designed to be a simple, easy to use reference which we hope will provide you and your staff with a greater understanding of the nature of our relationship and the administration and processes that underpin it. We look forward to working with you to help you achieve your business goals. 3
4 Our Aim Our aim is to help small and medium sized enterprises realized their full potential by providing flexible funding solutions. 4
5 Introduction Bibby Financial Services (BFS) is a leading global specialist provider of cash flow solutions to small and medium sized enterprises worldwide. We are part of the Bibby Line Group, a dynamic, family owned UK business services provider with origins in shipping dating back over 200 years to Over 25 years, BFS has become the largest global independent specialist provider of invoice finance solutions, helping over 4,000 clients worldwide and gaining a reputation for flexibility and service. BFS operates in 15 countries worldwide, ensuring we are locally responsive whilst enjoying the benefits of global strength and experience. Invoice/Receivable finance is the generic terms given to a range of funding facilities which help SME improve control over cash flow and release working capital by unlocking cash from unpaid invoices. In addition to funding, we can also provide account receivable management services, cash application, undertake collections and provide full and accurate reporting on the sales ledger, saving valuable management time so you can get on with the job of managing and growing your business. 5
6 New Customers Before you can proceed with the facility, you will need to submit a New Customer Data Sheet to provide us information about your new customer. To submit your new customer data you will need to log into your Client Access and select new customer details from the menu. This page will detail how to load your customer data directly to our system. Alternatively you can fill in the customer data form attached in the Appendix 1. Note: When preparing your customer data for upload, you will need to save it in CSV format. It is important that this form contain the correct information to ensure that there are no delays in processing and that correct funding or credit limit is made available to you. Introductory letter When you take on a new customer, we will automatically send a letter to the new customer to introduce ourselves and inform them of the nature of our relationship. We may also require you to send the introductory letter yourself. A copy of the letter is attached in the Appendix 2 for your reference. 6
7 Submitting invoices and credit notes Under the term of the facility, you will need to stamp the assignment legend on the invoices as follows: Stamping legend your invoices. In all your invoices you must stamp the following legends: "The debt arising from this invoice has been assigned to Bibby Financial Services (Singapore) Pte Ltd. Payment should be made to BIBBY FINANCIAL SERVICES (SINGAPORE) PTE LTD. For payment by cheque, please send to 6 Shenton Way #18-08A Tower 2 Singapore For bank transfer, please remit payment to Standard Chartered Bank; Account No (for SGD payment). Quoting as a reference your supplier s name and invoice number. If this invoice is found to be incorrect in any respect, please notify Bibby Financial Services (Singapore) Pte Ltd immediately." We will provide you with the rubber stamp. Submitting invoices and credit notes To submit your invoices, and credit notes you will need to log on in to your Client Access and select submit invoice or to submit schedule. The webpage will detail how to submit your invoices/credit notes or upload your invoices/credit notes directly into our system and outline the supporting documentation to accompany the data. Thereafter, you must submit copy of invoices/credit note and the supporting documents to us together with the signed Debt Schedule as attached in Appendix 3. 7
8 Calculating your availability When you submit invoices and credit notes to us, we will process your schedule. However, we will fund the available for draw down subject to our due diligence and our receipt of the copy of the invoices/ credit note and the supporting documents. The amount available is show in the following example: Total invoices assigned $100,000 Less total disapproved debt* $10,000 Approved sales ledger balance $90,000 Advance available (70%) $63,000 Less existing current account balance $20,000 Funds available for advance $43,000 This example is a simplified calculation of your availability for illustrative purposes. Actual availability differs from client to client based on the conditions of the facility. * see disapproval 8
9 Disapprovals for funding In the course of your facility, some invoices may be disapproved for funding. The followings are some of the reasons for disapproval: Ageing Invoices will be disapproved when they reached the recourse period (financing period). Customer Funding limit/credit limit Funding limit/credit limit is set for each customer. Invoices exceeding the funding/credit limit will be disapproved. Concentration limit A concentration limit will have been agreed with you prior to the commencement of your facility. If the total amount of the invoices submitted to us for any debtor is greater than this limit, the amount above the limit will be disapproved until the total value of invoices to this debtor become lower than this limit. Customer disputes Invoices will be disapproved for funding where your customer has notified us of a dispute. You can view any disputes by viewing the client daily report on the client manager. Invoices will be approved for funding again once the dispute is resolved. Advance notice of disapprovals for funding Advance notice of any disapproval due to ageing can be viewed by logging into your online Client Access. Notice of disapprovals Notice of any disapproval and re- approvals can be viewed in the Client Access. Re approvals Invoices may be re approved for funding. You can view this invoices on the client daily report. 9
10 Funding Automatic or By request draw downs At the commencement of your facility, your account will be set up either as by request or automatic draw down. By request means you will need to manually request for funds from us via Client Access. The automatic funding option means all available funds over $1,000 will be automatically swept into your nominated bank account on the day they are made available. Checking your availability and drawing down available funds To draw down available funds, log in to the Client Access. Click on the availability and click availability refresh. This will draw down the most current available information from our system. You will be notified your availability when the screen when the screen is refreshed. Once refresh is successful, select prepayment option, enter the amount you would like to request, then submit your request. 10
11 Credit control and collection As part of our service, we provide the following services: Collection For notified cases, your credit/operation officer will contact your debtors to collect payments on your behalf. Reminder will be sent on overdue account. Legal matters Some overdue or delinquent accounts may need to be served with legal notices to recover payment. We can send letter of demand and other legal notices to recover payment. Customer disputes We will also note any disputes raised by our customers and provide notices in our system which you can view on line. A dispute notification is available daily in the view report menu of the Client Access. 11
12 Statements of account Customer statement of account Monthly customer statements of accounts are typically sent to your customers by the second day of each month. This statement will outline all outstanding balances owed on your account and will provide all the necessary contact and invoice information. 12
13 Client Access Client Access is our secured, easy to use on line system which provides on line real time access to your account. You can view it via your computer, laptop, ipad, or iphone or other Andriod or Window 8 devices on line real time anywhere in the world. In Client Access, you will be able to access a wide range of information about your account including but not limited to the followings: Availability of funds Latest payments received from your customers Your top 10 customers balance Ageing of outstanding customer accounts Management Reports Advance notice of disapproval Notice of disapprovals and disapprovals Customer Disputes Detailed and summary aged trail balance ( ATBs) Client statement and fee charge by us Accessing your client access On commencement of your facility, you will be issued log in details of your Client Access. If you need to change or rest these details, please contact our operation manager. To access our client access simply visit: To ensure that you are fully aware of the movements in your account and your availability, we recommend you access your account daily. 13
14 Reports The table below outlines the most common reports you can access via the Client Access. Other reports are available on request via the Client Access. Report Frequency Comments Payment advice On transfer of payments to your account This report shows the details of payments made by us to your nominated bank account Aged trail balance Daily This report shows the open item debtors ledger on either detailed or summary view Customer receipts Daily This report lists your customer cash MTD receipts month to date Client daily report Daily This report includes the following information: Daily cash list ( including cash allocations) Daily adjustment report. This shows any movements of cash between accounts and any debit or credit journals which have been processed. Client Daily summary. This shows any changes to your ledger and current account Items disapproved for funding. This provides a list of any invoices which have been disapproved for funding that day Items reapproved for funding. This provides a list of any invoices which have been re approved for funding that day. Advance notice of disapprovals Monthly ( last day of each month) This report will inform you of any invoices funded on which will be disapproved unless payment is received from your customer by the end of the current month Tax invoices Monthly This details the service charges that have been applied to your account during the month Discount Invoice Monthly This report summarizes the discount charges that have been applied to your account during the month and 14
15 indicates how the discount was calculated. Client Statement Monthly This report shows all charges applied to your current account and movement in your sales ledger during the month. There are three statements: 1. Current Account 2. Sales ledger control 3. Client Balance Account Disbursement invoice Monthly This reports details all disbursement charges applied to your account for additional charges 15
16 Analyzing your account As part of our service, we provide you with information to help you to analyze your account over the past 12 months in numbers as well as in graphical form. In addition, you have a choice of using the line or bar graph. You can view the analysis on line real time anywhere in the world via your PC, laptop, iphone, ipad or Andriod or Window 8 devices. The followings are the information which you can analyze: 1. Invoices 2. Credit notes 3. Reassignment 4. Adjustment 5. Cash receipt 6. Ledger balance 7. Client Account 8. Average days outstanding (DSO) 9. No of accounts 10. No of payment The above reports/graph will help you to manage your business effectively. The report can be used to discuss with your clients or with your management staff such as : 1. Sales manager 2. Finance manager 3. Accounts manager 4. Senior management staff 5. Credit control manager 16
17 Accounting Two methods of Accounting for your facility are outlined below. 1. Debtor Control Account Method To ensure your accounting functions run as smoothly as possible and mirrors the services provided by us, it is recommended that two additional general ledger accounts be created. One should be called Bibby Control account and the other Bibby Expense account. The Bibby Control Account will be used to record the assignment of invoices to us and monies due from us. By updating the ledgers from the information that you are provided, you will be able to monitor all transactions that are passed through us and your accounts will reflect the true assignment of debt. Below are some suggestions for general entries onto your accounting system: Transaction Debit Credit Assignment of Invoices Bibby Control account Debtor account Advance from BFS account Bank Bibby Control account Fees charged by BFS Expense account Bibby Control account 2. Loan Account Method It is recommended that two additional general ledgers be created. One should be a liability account named BFS Current Account and the other an expense account named as Bibby Expense account Transaction Debit Credit Advance from BFS Bank BFS Current Account Fees charged by BFS Expense account BFS Current Account Receipt of customer payment by BFS BFS Current Account Debtors 17
18 Appendix 1 Details of Customers Customer Name Address Address Details of Customers Credit Terms Inv Currency Contact Number Contact Person Name 18
19 Appendix 2 Introductory letter (to be printed on seller s letterheand) Buyer Name Buyer Address Attn: xxx Date: Dear xxx We are pleased to advise you that we have entered into an Agreement (the Agreement) with Bibby Financial Services (Singapore) Pte Ltd (BFSS). Bibby Financial Services is the largest independent invoice finance specialist, which is wholly owned by Bibby Line Group with 200 years of trading history. Headquartered in UK, Bibby Financial Services operates in 47 locations spanning 15 countries throughout Europe, the Americas and Asia Pacific region. The Agreement with BFSS provides for the assignment of all our receivables and as part of that Agreement, all amounts due now and in the future, in respect of the invoices, must be paid only to Bibby Financial Services (Singapore) Pte Ltd. Payments by cheques are to be forwarded to the following address: Bibby Financial Services (Singapore) Pte Ltd 6 Shenton Way Tower 2 #18-08A Singapore If you wish to pay by bank transfer, please remit payment to the following bank account: Bank : Standard Chartered Bank Bank Code: 7144 Branch Code: 001 Account No: (for payment in SGD) Swift Address: SCBLSGSG Please fax your remittance advice to BFSS at or to them at We look forward to be of better service to you and if you have any queries, please do not hesitate to contact BFSS at Tel: , and they will be happy to assist you. Yours faithfully Name Designation 19
20 cc. Bibby Financial Services (Singapore) Pte Ltd Appendix 3 Debt Schedule To : Bibby Financial Services (Singapore) Pte Ltd Pursuant to the Factoring Agreement, we hereby assign the attached list of invoices as transmitted via Client Access on. Attached are copies of the invoices / credit notes and supporting documents. Authorised Signature & Company Stamp 20
21 Appendix 3a Debt Schedule To : Bibby Financial Services (Singapore) Pte Ltd Pursuant to the Factoring Agreement, we hereby assign the following invoices as transmitted via Client Access on. Attached are copies of the invoices / credit notes and supporting documents. Debtor Number Invoice No Invoice Date Amount Total Authorised Signature & Company Stamp 21
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7Brown Paper Lunch Bags Turned into Art
To celebrate his son's completion of first grade, the proud papa posted a collection of his favorite lunch bag illustrations on Reddit. "I draw all the time, I decided his bags were good practice. Tough material to work on, and it would motivate me to keep doing something different every day," he wrote. (Source | Via)
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The Nationals, while trying to land Cliff Lee, aren't wasting any time checking into other pitching options at the Winter Meetings. They met with Carl Pavano's agent, Tom O'Connell, on Tuesday and remain actively interested in the Twins right-hander.
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- HubPages»
- Food and Cooking
The Evolution of Gastronomy
Rome and the Middle Ages
Initially, the Romans had no cooks, because food was prepared by bakers.
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Under King François I (1515-1547), gastronomy became much more extensive in France, and the influence of the Italian Renaissance began to be noticeable. In his castle of Amboise in the Loire Valley, table luxury went to extremes, and the most brilliant banquets were given.
Catharina de Medici
But the royal families of Fontainebleau did just as good.
When Catherine de Medici married the French king Henry II, she brought her Italian cooks , and especially her pastry and ice cream chefs to France. This advanced the art of cooking with giant strides.
In 1570, she offered a banquet to the Polish ambassadors who came to offer the crown of Poland to her son, the Duke of Anjou.
In the middle of the dining room, a silver rock had been placed, above which were sixteen clouds. On these clouds sat the sixteen most beautiful women of the court, and each portrayed a French province.
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The Italians did just as well as the French and the Burgundians.
In 1483, Cardinal Pietro Riario, the Pope's favorite nephew, gave several famous banquets for the celebration of Princess Eleanor of Aragon.
The first dishes were announced with trumpets. After that appeared fish, capons and pheasants, entire calves and goats, deer, complete with skin and hair, and even a bear !
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Competition against such an extravagant wealth was impossible, and so others sought it in the bizarre.
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However, this sauce is much older. Ages ago, the Phoenicians used a cold, thick sauce of sesame oil and egg yolks. Also, in the French Provence and since time immemorial, a sauce exists that is made of eggs and oil.
Probably, the name of mayonnaise stems from the medieval French word for egg yolk, which was le "moyeu " !
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text: Infographics: Why They're Better than Plain Text Home / Branding / Infographics: Why They're Better than Plain Text April 22, 2016 | Isaac Bravo | Branding Categories Systems Administration Project Management Branding Web Design E-commerce Mobile App Development Marketing Web Development Categories Systems Administration Project Management Branding Web Design E-commerce Mobile App Development Marketing Web Development Picture this, you're in the kitchen trying to make a lean mean lasagna. You pick up a cookbook and open the recipe only to find paragraphs and paragraphs of instructions. There's nothing but text. What's the first thing you'd normally do? Unless you're really into reading, you'd most probably turn the page to look for pictures or diagrams. It's not being lazy, it's a natural reaction because humans are visual creatures. It's exactly why we've invented an effective alternative form of communication: Infographics. What is an infographic? 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Infographics are not always plain graphic representations. They utilize images and text to compliment each other. Think of it as a hybrid of text and image. Related ArticlesNet Neutrality and Why You Should CareThe Pros and Cons of Automation TestingWhat It Takes to be a Virtual Reality DeveloperCreate Your Own Browser Based Game with HTML5 CanvasNet Neutrality and Why You Should CareThe Pros and Cons of Automation TestingWhat It Takes to be a Virtual Reality DeveloperCreate Your Own Browser Based Game with HTML5 Canvas Where are infographics used? Recruitment Companies can use infographics to recruit potential employees. They can be used to showcase services and qualifications required for a current job vacancy. A good designer can create an infographic that evokes a sense of excitement and urgency in a job seeker, in effect speeding up the recruitment process. Narrowing down complex concepts Infographics don't explain with long sentences, they show the direct point. 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It takes 15 symbols to say caution wet floor, while just one depicting a man slipping can mean the same thing. Infographics and the Interwebs In social media, Infographics can spread like wildfire considering the topic is really interesting. And since 2007, infographics has increased to 9900%. No matter how you turn it around, we are more adept in dealing first hand with the visual aspect more than anything else. Well unless you're blind, that is. Please share this on Tweet Share +1 Share Pin it SEACH OUR BLOG Search for: Search for: NEWSLETTER ARCHIVES July 2017 April 2017 March 2017 February 2017 January 2017 December 2016 November 2016 October 2016 September 2016 August 2016 July 2016 June 2016 May 2016 April 2016 March 2016 February 2016 January 2016 December 2015 November 2015 October 2015 September 2015 August 2015 July 2015 June 2015 May 2015 July 2017 April 2017 March 2017 February 2017 January 2017 December 2016 November 2016 October 2016 September 2016 August 2016 July 2016 June 2016 May 2016 April 2016 March 2016 February 2016 January 2016 December 2015 November 2015 October 2015 September 2015 August 2015 July 2015 June 2015 May 2015 Isaac Bravo This is Isaac. He's a designer at Project Assistant, versed in creating beautiful graphics, vectors and website mockups. He's also into 3D modeling and digital painting. In his free time, he loves to drink coffee, draw critters and characters, watch series, play the guitar, and listen to music while making groovy beats in his head. He may look like he's there (well physically), but his mind likes to wander. Latest Posts Net Neutrality and Why You Should Care Jul 28, 2017   | Web Development The Pros and Cons of Automation Testing Jul 18, 2017   | Web Development What It Takes to be a Virtual Reality Developer Jul 6, 2017   | Web Development Create Your Own Browser Based Game with HTML5 Canvas Jul 3, 2017   | Web Development


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Programmed Cell Death Lyrics
4. Programmed Cell Death (4:28)
All that you know is a lie, all you believe you have known. All of your actions belie the nature of pain in my zone. Let's ride, programmed cell death. Meaning has been set aside, carnage is all that I know. Nowhere is safer to hide, there is nowhere you can go. So let's ride, programmed cell death. All that you hear, all that you touch, all that you taste. All that you read, all that you know, all that you waste. All that you have, all that you want, all that you see. All that you were, all that you are, means nothing to me. It goes cell by cell, it goes through your brain. It just goes to show that you're not the same. So let's ride, programmed cell death. You're falling down, you're trying to cling to the breath of life. You're falling down, you're losing your mind and your destiny. You're falling down, you're trying to breathe as your body dies. You're falling down, you're drowning in fate as it crushes you. Programmed cell death.
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Error when compile Fortran
Dear all,
when i finished the Fortran code, and I compile it, but there is a error as attached picture.
Please help me, how to fix it.
Thanks http://postimg.org/image/5r3tqp7hr/
Seems like its an error with visual fortran and not the code itself.Can you try compiling it with another compiler like GCC to see if the code itself is bad? It will be almost impossible for someone here to help you from such a generic error message.:mad:
Thank so much. compile in another GCC is Ok, just in Visual Fortran.
|All times are GMT -4. The time now is 21:59.


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Wedding Day
Wedding Day is the most precious day in One's Life. Everyone wishes that he or she looks pretty especially Women are conscious about this day. Mostly women confused because they don't know what to choose? Weather a traditional look or a modern look? Today when Media has gone fast and new channels are coming with latest new bridal styles that look beautiful and elegant. Now every girl wants to look like them and try to go in an expensive parlor and take heavy treatments on their bridal day. But we ask why you don't prepare yourself in home with an inexpensive tip? We are giving you some Bridal Makeup tips that really work's.
Makeup Products:
Firstly you should know what makeup products you need in your home on your bridal day. Girls always think that Wedding or a Walima Day is both special that's why they go parlors in those days. But we clear one thing that after taking a heavy treatment your skin doesn't remain as soft or clean as before. So you should know about all the treatment that you take on your wedding day? Because perfect and healthy skin is best not for just only wedding day but also for the later days after marriage. Let's take a tour of Makeup Products that you will need on your dream's day.
- Foundation
- Pan cake (Matching with your skin Texture, Usually take one brown and the other is Pink or Golden)
- Glowing Eyeshades
- Blush On (Pink, Orange or Light Brown)
- Eye Lashes
- Eye Liner
- Mascara
- Lipstick (Match with bridal Dress or in a Pink shade with a shiny Lip gloss)
- Bronzers
- Counselors
- Hair Spray/ Gel
How to Apply Makeup
Makeup is not as easy as you taking and not as difficult as you think. Because applying a makeup need some special care and art. We are providing you some makeup tips but it totally depends upon you that how you apply makeup? You should do some other works before applying makeup.
- Firstly, make your eye brows by your face shape that looks beautiful.
- Apply brown Foundation equally so it makes your skin texture same, and if your face has dark circles or spots then apply Counselors. It hides your face spots and dark circles. If you have fair skin then applies light brown foundation instead of Dark brown.
- After applying first foundation then apply second foundation in a pink or a golden shade whatever you think best. Pink foundation gives your face a nice and modern look and Golden Shade gives your face shiny and traditional look. Apply Foundation also on your lips, so, when you apply lipstick you can make your lips shape easily.
Eye Makeup:
Firstly, apply a golden eye shadow on your eyelids. If your eyes are big then spread golden color just on your eyelids but not expand it outside from your eyes. If you have small eyes then apply golden shade on your eyelids making a "V" shape with expanded from your eyes. Now apply matching shade with your dress but just half below on your eyes. Don't spread it on your full eyelids it makes your eyes prominent. Apply eyeliner and mascara and if your eyelashes are small then use artificial eyelashes.
Apply liquid lipstick on your lips firstly for making an outline and then make the filling of the lips with matching lipstick. And if you need shiny and glossy lips then apply matching lip gloss with lipstick. It gives shiny look to your lips.
Blush On:
Apply Blush On directly towards the nose. If your face is thin then apply blush on from outside to inside style and if your face is broad then apply blush on opposite.
Hair Style:
For making a hairstyle it is bit difficult to understand that how to give a beautiful style to your hairs. Chignon is the best hairstyle for brides and it looks beautiful. It makes by pinning the hair into a knot at the nape of the neck and also the back of the head. Gather your all hair and make a ponytail. Now take a small section from your ponytail and rolling in around your head. Taking other section of hair and wrapping the section of rounded hair in a manner that it covers and hide all your rounded hair. Now your chignon is ready. You can also decorate it with a rose that's look beautiful.
Now a beautiful bride is ready for her day dream.


text: Picture of the Day! Jul 03 2015 Browse archives for July 03, 2015 Tom All posts from Tom Posted in Picture of the Day Spread the love Dutch artist Rosa Verloop creates these fantastic sculptures that are made of nylon stockings. She tucks them with pins and molds them into human like figures.


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The Tiananmen Square Protests of 1989, commonly referred to as the Tiananmen Square Massacre, were a series of demonstrations led by students, intellectuals, and labor activists in the People's Republic of China between April 15 and June 4, 1989. While the protests lacked a unified cause or leadership, participants were generally critical of the ruling Chinese Communist Party and voiced complaints ranging from minor criticisms to calls for full-fledged democracy and the establishment of broader freedoms. The demonstrations centered on Tiananmen Square in Beijing, but large-scale protests also occurred in cities throughout China, including Shanghai, which stayed peaceful throughout the protests. In Beijing, the resulting military crackdown on the protesters by the PRC government left many civilians dead or injured.
The 38th Army surprisingly sided openly with the protesters, aiding a blockade of the central city, further escalating the situation and the subsequent government reprisals.
By May, the protests had begun to sprout across the country, including large scale protests in Shanghai, and Hong Kong. With the arrival of the 27th and 28th armies in Beijing, the protesters knew that their days were drawing to an end, and that it was a matter of time before the armies broke through the protection of the 38th Army.
The "Standing Man" immortalized the protests in western minds, and when full scale revolution began in Shanghai and Hong Kong, western countries were quick to supply clandestine aid.
The death toll ranges from 200–300 (PRC government figures), to 800–1200 by The New York Times, and to 4,000–5,000 (Chinese student associations and Chinese Red Cross). This is not including the death of members of the 38th Army.
The crackdown on June 4th incited the outbreak of riots and revolution in Hong Kong, Shanghai, Nanjing and Fujian, and by July, most major cities across China were experiencing some level of unrest despite the curfew.
With the arming of Chinese nationals in Hong Kong by clandestine British and American forces, the stage was set for the Chinese Civil War 1990-1996.


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Australian snowboarder Alex 'Chumpy' Pullin (middle) takes the win over Australian snowboarders Tahn Robrahan (left) and Damon Hayler (right) in a national level snowboard boarder-cross competition. Mt Hotham Australia, August 2008.
hayler robrahan chumpy tahan winter australia competition snowboarding elite alex damon pullin
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Usually I'm pretty good at keeping my life moving in a positive direction and staying upbeat and optimistic. I am full of expressions that I toss around casually like "In a year this won't matter." "It'll workout! Don't worry!" And "This will only make me
Stronger!". They sound good right? In a relative sense my life is great, but even I have "shit" going on and I am not immune to getting overwhelmed by it. I am totally overwhelmed right now! Some things are out of my control, other things are completely my fault, and what's obvious is that my old ways are not working anymore. It's time to reorganize and come up with a game plan so that I can deal with the 20 million real stressors I've been glazing over for the last year.
As a colorist one of my favorite things to do is corrective color! My creative mind goes a mile a minute as I'm processing what I have in front of me and what I'm going to do with it. The bigger the mess, the more satisfying it is when I finally make it look better! Sometimes it takes a couple of appointments because the hair has been through so much and some miracles just can't be delivered in a few hours… Time is necessary. I recently had one of these projects in front of me and after I worked my magic I was pretty proud of the results I got and my customer was very happy!
Reflecting on all the steps I had to take to make this beautiful woman's hair look amazing I realized that I need to approach my life challenges in the same way. When someone comes in with a hair mess and they just don't know what to do these are the steps I take to deal with it.
1.) Evaluate: Take an honest look at the problem and gather as much information about what's on the hair, how it got there, why it left or stayed… Basically I need full disclosure or I can't move forward.
2.) Strategize: This is the part where my brain quickly goes through every possible thing I could do to the hair. Usually this step happens before I actually decide what I will do because sometimes what the customer wants is impossible. It's up to me to let her know what we can and can't do.
3.) Formulate: This is where the motto "work smart not hard" comes into play…. My goal is to choose colors and application techniques that will get me the best results in the shortest amount of time, while leaving the hair as healthy as possible. Sometimes I have to put 3 different formulas on the hair just to get it to look like one uniform color!
4.) Dive In and Don't Look Back: Once I've committed to a plan of action I dive into the project. My brain is constantly thinking about the next step and what steps will have to be taken on the next visit. Sometimes while I'm working I get a better idea and I abandon a formula and do something else. It's not the kind of thing one can just follow a recipe for, each case is unique and needs an original formulation and application to achieve results.
I could do corrective color all day and with the steps above I am almost always able to make progress and please my customers. In my life though I need help! I wish I knew someone who I could call in to help me organize my thoughts, strategize, and formulate so I can just dive into fixing my stress mess. I know in a year I'll have a new set of problems to cope with and that, of course, everything will be alright. I will take my own advice once again and take the necessary steps and just be as patient and realistic as I would want one of my corrective color customers to be. I totally believe that magic and miracles can happen but they usually don't happen overnight. I also know that I am so normal in this world and we all have our own version of a problem that needs a correction so if anyone out there has some good advice for me I'll take it! And as always of you have a question about a corrective color you need done or are doing ( for you hairdressers out there ) please email me at firstname.lastname@example.com. Or leave a comment below!


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Michael and Glenn Miller
Our work with the LGBT fund, as it pertains to families, is very exciting. We look forward to the day that families like ours will have the same legal rights and opportunities as other traditional families in our community currently do.
Jeff Chartrand
For every $100 that goes from private philanthropic institutions to nonprofits, less than a penny goes to LGBT nonprofits in the Southeast. Establishing the LGBT Community Fund will immediately increase the scale and impact of LGBT philanthropy, while also raising awareness of the particular needs of the LGBT community.
Barbara Drake
I was overwhelmed with the depth of study, the quality of the research and the breadth of people who worked on this — the findings of the research really recognized the enormous need in the community. I had known about JASMYN and its work, but I had not realized the many issues around seniors. I thought, 'I have to know more about these issues' so I'm delighted to be involved in the effort.


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Have Mercedes Questions? Ask a Mechanic for Answers ASAP
You said,"Usually all you have to do...." I have tried the process you outlined and actually left the key installed into the EIS ignition switch for about 2 hours with no results. I hope you also have a Plan-B for this problem.
We have a misunderstanding. I was describing what the key/alarm/remote does so you would know what the key is supposed to do. One key does all those things and one does not. I need to program the replacement key to work as the original one does.


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South Africa v India, 1st Test, Johannesburg, 4th day
Manjrekar: Can understand Dhoni being cautious
Sanjay Manjrekar and Daryll Cullinan discuss the match situation during the tea break on day four
Sanjay Manjrekar and Daryll Cullinan discuss the match situation during the tea break on day four
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Nottinghamshire's 52 without loss after 5.1 overs was enough to secure them a DLS victory over Northamptonshire at a soggy Trent Bridge. | Jul 22, 2017
Richard Levi's 88 runs off 43 balls wasn't enough to secure a victory against Nottinghamshire at Trent Bridge. | Jul 22, 2017
Melinda Farrell and Firdose Moonda share their thoughts on the final that is expected to be played in front of a full house at Lord's | Jul 22, 2017
England coach Mark Robinson says that he focused on giving his team space to switch off before the Women's World Cup final at Lord's on Sunday | Jul 22, 2017
Daniel Brettig talks about the latest developments regarding the Cricket Australia pay dispute as the compromised deal between both negotiating teams see | Jul 22, 2017
England allrounder Jenny Gunn recalls their thrilling victory in the semi-final and relishes the chance to play for the title, at Lord's, in front of a sellout crowd | Jul 22, 2017
India and KKR batsman says Mithali Raj and her team have inspired a lot of girls in the country, and that a women's IPL would be a tremendous boost | Jul 22, 2017
The India captain reveals that an upsurge of interest in the women's game - with the first televised World Cup in 2009 - made her want to keep going | Jul 22, 2017
Mithali Raj's family and friends talk about her lazy childhood, her decision to choose cricket over dance and her dressing room pranks | Jul 22, 2017
Aakash Chopra and Brad Hogg discuss Delhi's batting problems
Ajit Agarkar is impressed with Punjab's death-overs bowling but backs Bangalore to come good in Mohali
Ajit Agakar and Michael Holding discuss the most promising young players from the 2015 World Cup
Ajit Agarkar, Ian Chappell and Michael Holding pick their best moment of World Cup 2015
Ajit Agarkar and Michael Holding agree that Brendon McCullum was the best captain in the 2015 World Cup, primarily because of his aggress...
Australia scripted another World Cup win - their fifth - and Alexis Nunes found out the social buzz around the memorable win
Michael Holding, Ian Chappell and Ajit Agarkar talk about Daniel Vettori's immense impact on New Zealand cricket over the years
Ian Chappell, Michael Holding and Ajit Agarkar discuss Mitchell Starc's Player-of-the-Series performance in the 2015 World Cup
Ian Chappell, Michael Holding and Ajit Agarkar discuss New Zealand's inability to score boundaries against Australia in the World Cup 201...


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Sol Yammamoto
Sol Yammamotais a 16 year boy and Is the main chacrecter of the series and the leader of Over The Twelve Digital Worlds Squad And is seated as Over 11 Worlds And is in charge of D.R.T. . Sol Has a Noncaring Atitude He's Often known to say "The World can Be destoryed for all I care" however his Atitude changes when in the heat of battle. Unlike Voyd He anticipates his opponent in battle.Sol Digimon Is Coronamon and make quite a good team and never disagree unless theres a its who gets last peice of food. He can Turn into SolCoronamon.
SolCoronamon Attack
Ultraviolet Sword- Summons a swird of multicolor flames
Corona Blast-Makes a big Fire Ball
Solar Fist-SolCoronamons Ultimate Attack punches with a fist of pure Sunlight


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Olivier Chatard
Creative Director/ Filmmaker/ photographer at OlivierChatard Creative.
Currently: Owner/Creative Director at OlivierChatard Creative (olivierchatard, inc.)
Location: Venice CAShare profile
Olivier's organic and conceptual design approach is instantly recognizable and connects his wide range of work under one signature umbrella. He always strives to create a consistent and recognizable visual treatment for clients to spread across web, social networking, and print platforms. One very important aspect of Olivier's work is to create concepts that truly move people. Born in the south west of France, and growing up in Paris, Olivier Chatard moved to the US to study art and design at a young age. He created a solid body of print, motion and web work while working for companies such as MTV networks and Yahoo! before venturing out and launching his own Los Angeles based design studio: Olivier Chatard creative, quickly obtaining clients like ABC networks. He is also the founder of H2O Is Life, a non- profit group and web community with the purpose of spreading awareness about water conservation. He directed the conceptual short film "Awareness" showcasing our use of water in everyday life.
Work ExperienceEdit
Interests & GroupsEdit
- I have created For different client LIFESTYLE YOGA WEBSITES.
- Yoga
- surf
- tennis
- soccer
- hike
- cooking :) swimming...
- 1st Grand Prize design competition for Eletronics Arts. — Webby Awards 2008 PBS Youth website — Best Short Film Documentary NEW MEDIA FILM FESTIVAL in Los Angeles — Member of AIGA – MOCA – LACMA Freelancers Union — Founder of H2O is Life.org
Education HistoryEdit
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30731 Bennington St, Westland 48186
See more homes for sale in Westland, MI
This property has been Sold!
08/09/2016 at $1,150
Delightful 3 bedroom, 1.5 bathroom home is waiting for you to call it home. Hardwood floors, updated kitchen, large light filled living room in addition to the family room with a walk out basement, and more make this home a must see. Large fenced yard will keep the kids or the dog safe and best of all it's right across the street from Elliott Elementary school. No pets, no smoking. Complete application, credit report with score and references to be sent to landlord for review. $150 non-refundable cleaning fee. Garage is NOT included in the lease of the home, landlord will allow tenant to store a lawnmower/snowblower. Tenant is responsible for lawn and snow removal.
Property Information
- Subdivision
- Birch Hill Estates Sub No 2
- Total Finished SqFt
- 1,435
- Lower Finished SqFt
- 300
- Above Grade SqFt
- 1,135
- Water
- Municipal Water
- Sewer
- Sewer-Sanitary
- Year Built
- 1961
- Architecture
- Tri-Level
- Home Style
- Other
Rooms and Land
- Bedroom2
- 10 x 11 2nd Floor
- Bedroom3
- 9 x 9 2nd Floor
- Bedroom4
- 9 x 10 2nd Floor
- Kitchen
- 15 x 8 Entry
- Basement
- Finished, Walkout Access
- Cooling
- Ceiling Fan, Central Air
- Heating
- Forced Air, Natural Gas
- Acreage
- 0.14
- Lot Dimensions
- Interior Features
- Cable Available, High Spd Internet Avail
- Exterior Materials
- Brick, Vinyl
- Exterior Features
- Fenced
Listing Video for 30731 Bennington St, Westland MI 48186
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10035 West Grand Avenue, Franklin Park, IL 60131Request info Add to list
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Kellen D.
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24,276 SF office building on Grand Ave in Franklin Park IL Property sits on huge 2.25 Acre Site Top 3 floors available for lease to an owner... show more »View Details
|10035 Grand Ave
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|18,207 sqft
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10035 West Grand Avenue is an office property for lease in Franklin Park, IL. The property currently has 2 office spaces for lease and is marketed by .
Located on Grand Ave in Franklin Park
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Centre for Rural Development Studies
Dept. of Apparel Technology & Management
Dept. of Computer Science & Applications
Dept. of Environmental Science
Dept. of Library & Information Science
Dept. of Microbiology / Biotechnology
Dept. of Zoology / Centre for Applied Genetics
Canara Bank School of Management
Dept. of Computer Science & Information Science Engineering
Dept. of Electronics & Communication Engineering
Dept. of Electrical Engineering
Dept. of Mechanical Engineering


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Confessions of a Secret Jogger
Kicking this off with my first post I'd like to jump right into it. For some strange reason I always had a fear of running. I don't know why, because heaven knows if the boogeyman is chasing you, you better kick your feet or bad things will happen. I actually got to the point where I participated in a 5K Fun Run. These are my thoughts on it.
My First 5k Fun Run
A 5k fun run is an untimed running event organized for different causes. There is no competition involved. A runner can run at a pace suitable for his own. It is more like leisure (if you can call it that) than an actual marathon.
It's a real chilled out atmosphere where you can bring the whole family.Usually a 5k fun run is staged at a scenic landscape, even more enhancing the peaceful ambience of the whole experience. It's a lot different doing a local than going global for your run.
Being a part of a 5k fun run is a very enjoyable and memorable part of someone's life. Joining as a family provides an opportunity to get some quality time to bond during weekends, especially because these is when a 5k fun run is usually held.
Those Who Work and Play Together
This event also provides great opportunity for a group of friends or colleagues to develop camaraderie. Companies more often than not sponsor these events for their employees because of this. You just have to bring your running gear, water bottle, and favorite jogging shoes
The money gathered from registrations and sponsors pay for whatever interest the charity holds. Typical examples of these charitable causes are: help for the environment, orphan children, cancer victims, natural disaster victims and human rights concerns.
Running For a Cause is Good for the Soul
One can just imagine the great deal they are getting every time you participate in this event. You get to help a fun cause; you get to enjoy the smiles you will see from whomever you come across with, in the run; and your body gains a lot from it as well. Although there is not competition involve.
No one can change the fact that it is still a somewhat demanding activity. It is still an activity which will loosen up your joints, stretch out those muscles and get the blood flow going. Obvious physical boost payback cannot be overlooked here. A 5k fun run is about the same as 3 miles of jogging. If one has not engaged at this activity at all then there are still a few tips we have to keep in mind before we undergo this event.
What You Can Expect Out Of Your Run
Knowing the schedule of the fun run in advance is important. A couch potato cannot just stand up and decide to do a marathon without suffering a consequence at the end. The same can be said with people whose jobs doesn't require them to do much, other than to sit and type away hours in front of a computer. A person of such needs to start at least light exercises. Do proper stretching about 4 weeks before the run happens.
Make sure jogging is done 3 times a week at your most convenient time to make sure adequate rest is taken too. Rest is the time when your body actually gains the results you're looking for. It is when your body reacts to your actions, thus it adds more muscle for the added workload; better flexibility for your strides; more tolerance to the lactic acids that builds up inside all to better endure the training.
Now a day before the actual event, make sure to get enough sleep for about eight hours. Eat something two – three hours before the race; preferably it has lots of good carbohydrates. With these tips you will get the most fun out of a 5k fun run.