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When I do a bankruptcy should I do a short sale or should I allow my house to go to foreclosure?
October 13, 2010 Leave a comment
I have changed my advice lately. If clients cannot afford to pay their mortgages I am now advising them to not allow their houses to go to foreclosure and to short sell them instead to save their credit. Apparently there is now a 5 to 7 year prohibition on getting a FHA loan if you have a foreclosure on your credit report. With a short sale and even a bankruptcy you will only have to wait 2 to 3 years to get another loan to buy a house.
Many of my clients are behind on their mortgage payments and they often realize that they cannot afford to keep the house. The payments may be extremely high and beyond their budget and the house is probably also worth far less than what they owe. They may realize then that the best option is to let go of the house.
Bankruptcy will take care of any debt coming from the deficiency balances of the second or third mortgages but the question becomes whether to allow the bank to foreclose on the home or to short sell it. A short sale is when the bank accepts less than the amount due on the loan for the home and it is usually negotiated by your realtor.
The realtor first gets you to sign a contract to sell your home just like in a regular sale. Then it actually gets easier for you because the realtor handles the negotiations with the bank. The realtor prices the home and then markets it and hopefully gets an offer. That offer is then presented to the bank for their approval. Once an offer is in place then the bank must now postpone any foreclosure sale date that the bank has for the sale of the home on the court-house steps.
I recommend that people do short sell their home before the lender forecloses. This will save their credit so they can buy a new home much sooner. With home prices so low, now is the time to buy a home. Don't lock yourself out of this opportunity to purchase a home when you don't have to.
For more info. check out my website at: www.farquharlaw.com


text: Any 10U teams interested in doing an indoor hitting league at Make The Team in Groveport? $225 per 4 person teams. Will play 4 weeks starting in March. Each team should have at least one pitcher and catcher and 2 hitters. This will be live pitching and hitting. Please contact Ali Viola at Make The Team 614-619-0301

subset: commoncrawl


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Steve is in jail for killing his lover. He escapes from jail to have a second chance at life and encounters the spirit of his dead lover in a mortuary. The spirit wants revenge. Steve wants to escape.
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Stacy Eckert combines her full, warm mezzo voice with a stunning stage presence of ". . .considerable vocal and physical fire . . ." Ms. Eckert debuted her first Santuzza in Mascagni's Cavalleria Rusticana in 2009. Other roles include Waltraute in Die Walkure; the title role in Bizet's Carmen in numerous productions as well as Dorabella in Cosi fan tutte, Flora in La Traviata, Guiletta in Les contes d' Hoffman, and the tiele role of Regina. As a concert soloist Ms. Eckert's vast concert repertory includes Verdi's Requiem, Bernstien's Jeremiah Symphony, Mahler's Das Lied von der Erde, Brahms' Alto Rhapsody, Prokofiev's Alexander Nevsky, Mozart's Grosse Masse in C minor; K. 427 and Requiem, Handel's Messiah, Bach's St. Matthew Passion, Beethoven's Symphony No. 9 and Missa Solemnis, and the major role of the Angel in Elgar's Dream of Gerontius. She has appeared with the Chicago Symphony Orchestra, Milwaukee Symphony Orchestra, the Duluth-Superior Symphony Orchestra, the Chicago Civic Orchestra, the Sioux City Symphony, The Springfield (MA) Symphony, the Boise Philharmonic and the Syracuse Symphony Orchestra.
Ms. Eckert has worked with many conductors including Sir Georg Solti, Daniel Barenboim, Pierre Boulez, Zubin Mehta, Bruno Barteletti, Daniel Hege, Kevin Rhodes and Markand Thakar, as well as such local conductors as Steven Larson, Stene Alltop, Barbara Schubert, Peter Lipari, Duain Wolfe, and Fr. Dennis Schafer, o.f.m.
Ms. Eckert sang the part of "Clare" in Fr. Robert M. Hutmacher's Dialogue of Francis and Clare at the Basilica di Santa maira degli Angeli in Itlay (2004), Notre Dame Church, Chicago, and St. Peter's Church in the Loop, Chicago (2005) and at Dominican University Performing Arts Center, River Forest, Illinois (2009).


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Diabetes- a hidden impact
Say diabetes to people, and they don't logically think of toilets, but going to the loo is a bigger issue than you think.
A typical symptom of the disease is increased need to urinate. And suprisingly to many, diabetes is now the biggest cause of amputation in the UK: there are allegedly now some 10,000 amputees in the UK, and over 350 amputations a week, mainly as a result of the illness.
If you are missing limbs, it is difficult to carry out many daily tasks- including going to the toilet: without a hand, how do you clean yourself, without a leg, how do you sit safely, balance…?
We go to the toilet on average eight times a day, so the ability to do this, with independence and dignity, is an issue. A Clos-o-Mat, and/or Aerolet toilet lift, will go a fair way to restoring independence and dignity, at least in the toilet!


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Looking for Standout Trucks and SUVs in The Woodlands? We're Your GMC Connection
Everyone has lots of choices, especially when it comes to SUVs. Here at Wiesner Buick GMC , you can find lots of utility vehicles, and that includes those from our new GMC lineup. Serving drivers in The Woodlands, TX our goal is to help you get behind the wheel of the right SUV or truck and we have our new and used GMC options that you can explore in greater detail.
With the GMC lineup, there's SUVs of multiple sizes. It starts with the GMC Terrain, which is a five-passenger option that has appeal for a broad range of drivers thanks to its size, efficiency, performance and space onboard. With the GMC Acadia, you're getting seating for seven and a full SUV experience with power, space and functionality. It's a standout for individuals and families around The Woodlands and for any of us in need of a SUV that has ample room and a quality everyday drive, this is it. Rounding out the grouping is the GMC Yukon, which seats eight and can do some heavy lifting all while offering plenty of luxury and quality inside the SUV. With all the GMC SUVs, you'll find lots of technology and features, plus there's the Denali trims which adds luxury and premium capability onboard each one from fine leather seating to all the connective features you could want.
The same tech and safety can be found onboard the GMC truck lineup. The Woodlands is able to choose between a compact truck like the Chevy Colorado, or half tons like the Sierra 1500, or heavy duty trucks like the Sierra 2500. Every single truck here is capable of giving you the performance you need whether it's around the house or in town, or on the job site.
For whatever you need the new GMC lineup for, our team is here to give you an opportunity to learn more about it. Contact us here at Wiesner Buick GMC and we'd be happy to set up test drives or get your GMC lease near The Woodlands started today.
Where can you buy a new GMC near The Woodlands?


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More than two years after her 13 year old son was shot in the head, an Indianapolis mom is still fighting for her child.
At least 500 Monroe County residents are feeling the Bern.
Community members competed for their favorite charities by playing PowerPoint Roulette.
As a part of the city's MLK celebration, volunteers spent Valentine's Day caulking, taping and insulating.
Meters have a failure rate of 18%.
Over half of Monroe County's population currently lives in areas without easy access to public transit.
As children's advocacy groups become more prevalent in the U.S., one center in Bloomington has experienced an increase in clients
Indiana conservative groups have alleged that the RFRA amendment and local rights ordinances are unconstitutional.


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We accept online tee times up to 90 days in advance. We require a valid credit card to book a tee time and guarantee your reservation. Tee Times may be made up to 7 days in advance for DVR Card holders, Members and their guests. All fees are due upon arrival at the course. Singles may not book online and must call the golf shop at (480) 488-0009 if they want to be paired with another group.
Cancellation Policy: At least 24 hours notice must be given to cancel or make changes to your tee time. If the change or cancellation is not made within this time frame, the credit card holder is responsible for all players in the group and may be charged a no-show fee. Please do not send emails requesting tee times, changes, or cancellations. All changes and cancellations should be made promptly by calling the golf shop at (480) 488-0009.
Public Tee Times EarlyBird Back 9 Member Tee Times DVR Card Tee Times


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Intro Emerging Platforms
Are you frustrated by not grabbing traffic in your blog? Emerging Platforms
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The reason For not sticking enormous traffic on your site may be due to lack of quality content. Social media is trending all over the planet, and folks fill their accounts with a great deal of quality posts, videos, images, quotes, etc.. Why lag behind others?
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Sharing new Contents daily is tough task rather than everybody's cup of java. This tool ensures that your audiences are upgraded with fresh contents frequently giving them what they are searching for. By producing campaigns, applicable contents will be auto-posted to your desired stations, and you may sleep headache-free. A set of domains and keywords may be added to the exception list to stop posting irrelevant contents.
So whenever any immaterial content matches the keywords, it will not be Allowed to pass through to your audiences. Advance filters like duration, region, language, age, and social engagement have been added to filter the content and supply appropriate articles for every post shared. The minute you begin typing, keyword ideas will pop up, and using one click, then you can choose which has to be included or excluded. Choose your time and time for posting for each effort. Emerging Platforms
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Discover Inspiring Contents at a click
The Intuitive search design helps you find the most relevant content on almost any subject that is trending on social networking pages or blogs. You can hand-pick any content which is popular and is ranked high by social media.
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Easiest Multi-Social Media Management:
Make your Contents engaging and update your sites and societal channels with the very best contents that people really like to read and share. Trend contents before it tendency everywhere and fill your account with images, videos and much more to acquire many enjoys.
A Good Deal of time is wasted in logging into various social accounts and Uploading the identical content, image or videos. However, with ContentStudio's intuitive tool, you can save your time which has been wasted for logging in to various accounts and rather with a click of a button manage all the accounts, groups and pages using one stage. With this intuitive platform, managing social media is simple and worry-free.
Craft new contents with Composer:
Composer module assists you produce fresh contents taking less time for Your blogs or social media pages. With too much of rivalry on the current market, people upgrade posts very frequently. This instrument will suggest you what to post alongside your social accounts or site page. With drag & drop editor you can easily add photographs, videos and posts to your social accounts conserving a lot of your precious time.
Powerful Automation & planner
The powerful Search engine searches across 9+ sources like Facebook, Twitter, YouTube, Dailymotion, Igor, Giphy, Flickr and Pixabay.
So the tool Isn't Just limited to materials, but also images and videos Can be searched. You can find a history of the contents that were trending in the past few hours or days and engage your customers with the best contents within your specialty or area.
Works together with the Collaboration of numerous of online apps:
Plenty of third-party integrations can be found to Make Sure your new Leads to the tools already used by you personally. With Variety of integrations like Facebook, Twitter, Linkedin, Tumblr, Pinterest, Medium, WordPress, Pocket, YouTube, Dailymotion, Pixabay, Flickr, Igor, Giphy, Adobe Creative, Bit.ly, Goo.Gl, Replug, ChimpRewriter, SpinRewriter, and WordAi.
1 Dashboard for everything:
Seamlessly organize everything from one place. Each of the puzzles are Connected together to help you arrange and increase your productivity. You can edit and review articles prior to being published with the help of this interactive content calendar. The whole weeks or even month's content is facing you, and you're able to control it as you want. Easily collaborate the job from staff members with authority to take or reject posts and automate campaigns from within the calendar. From a single place, you can handle publishing contents onto a blog or social media in a calendar view or list view.
SEO Optimized Contents Forever:
Actual time SEO is applied while writing a Blog article and can be optimized to save time that's wasted on search-engine SEO. It's possible to schedule some articles to repeat on your societal pages with few clicks. This grabs more viewers and participates them to invest more time on your articles. If your intended audience belongs to another region/country, then your contents can be translated into the particular country/region language. Emerging Platforms
ContentStudio gives you the choice to use naked URLs (no shortening or tracking) in societal posts. If you would rather a link shortener and/or tracking abilities, you have got the selection of ContentStudio's own shortened connections (Cstu.io), the well-known Bit.ly link shortening service, and Google's service (Goo.gl)
Adding Content Resources
You can add keywords or domain names to track as sources to appear in the content discovery section. Another great feature is the ability to add RSS feeds to your content resources. And if you like the content produced by certain Facebook pages, add them as resources also so they look first.
As soon as you've added societal media reports, set connected accounts with each other to make scheduling somewhat simpler. If you work with customers or you have several companies, it is logical to add accounts from every business to some group. Utilize the Settings > Groups alternative.
Creating Content for Sharing
At the top of the ContentStudio Port is the Compose button. Click it to start a new page with two choices: Blog Post or Social Media Post.
I am Not a lover of the (talk to) Blog Post function because I would rather use WordPress's native port. But it may be a timesaver if you maintain multiple sites as you can write and submit articles without logging in and navigating to the New Post area of WordPress
The Composer tool is feature-rich, offering The entire gamut of formatting options and the ability to drag content and links from subjects you searched for. For anyone interested in creating newsletter kind articles or curated articles, this can be a Fast Means to Do it.Screen Recording 2018-02-24 in 10.48 a.m..gif
Content Discovery
This is among the areas where ContentStudio really shines. The Content Discovery segment is excellent for discovering trending content across multiple platforms quickly. Presently, the searchable programs or Internet areas are:
Internet Articles — Search the web for posts and news items on your intended topic or use the'trending' search for inspiration.
YouTube — Quickly find hot Youtube videos jointly with viewer count, likes, and remarks.
Dailymotion — Just Like Youtube, Dailymotion is another search engine for video content
Facebook — Find the trending topics or favorite articles on the world's biggest social media
Twitter — Discover, share, and retweet tweets which have already gone viral.
Flickr — Search for photos on Flickr without logging to the stage
Imgur — ContentStudio's integration is not yet ready for prime time but it's a fantastic way to get some thoughts
Giphy — The platform for Gifs is a goldmine for shareable pictures
Pixabay — Locate free-to-use images for your articles or social networking posts.
The Granularity offered by the software is very impressive. Not only can you look different platforms, but it is also possible to choose timeframe, geographical location, language, most common, trending, by stocks, topics, and length. Emerging Platforms
Want some shareable content on Facebook Ads that has been posted on the web in the last week, in the UK, in English, that's also trending and has lots of Facebook shares?
SEO Score
Check The SEO score of your post before submitting with the'Check Score' feature at the bottom right of the Composer window.
Post Preview
Creating A social networking post work in a similar way to this Blog Post alternative but has a few more options and resources.
Search For content and drag it into the editor for posting or scheduling. Or write your social networking article and include your own images, designs, or videos. The social networking platforms now supported are Facebook, Twitter, Pinterest, Linkedin, and Tumblr. Google Plus and Instagram are on the road.
You've got 4 choices for posting:
1. Post Now — Does exactly what it says on the tin. Send That article out to the world right away. Selecting this option (and the Program option) gives you the capability to replicate schedule a place with hourly, daily, weekly, and monthly interruptions.
2. Schedule — Insert the post to some future time slot. You can Also replicate program.
3. Queue — Post the upgrade at the next slot decided by The queue. Queue timings are put under Settings (click on the arrow below the circle along with your own initials at the top right) > Social Accounts > Change Queue Schedule.
4. Evergreen Queue — Insert your article to your Evergreen Campaigns. These campaigns are classes of social networking posts that replicate at particular intervals. Excellent for your cornerstone posts.
If you'd like to change the content for Each platform switch off the same material for all slider and then edit each social networking account's post to your heart's content. Great for adding hashtags to twitter but keeping them from a Facebook post, for instance. Content on Facebook can also be as long as you like.
Below the section where you add the content For posting, you'll come across a Preview section, which updates as you enter or edit articles. Tabs at the top of the preview window let you change between societal accounts so you get a visual representation of what the post will look like on every platform. Quite helpful.
Assist, Notifications, and Advice
What I really like about ContentStudio will be the small features that guide you as you build your social networking marketing strategy. The top of this screen is where you will discover the Latest Changes and Notifications feeds.
Latest Changes is very good for discovering exactly what the developers have assembled. You may find some brand new features to utilize. The ContentStudio team update this on a regular basis.
The Notifications segment alerts you when, as an instance, an automation campaign does not have sufficient posts lined up. The recommendation may be to include more key words or change your strategy.
In the bottom left of this screen, you will find the Support area. There is a Guided Tour for novices or anyone that needs a refresher. Emerging Platforms
Help Desk is for firing questions at the team. You can also use the chat which looks in the bottom right. The service team is responsive and useful.
Knowledge Base brings you to ContentStudio's documentation that covers most things.
Public Roadmap helps you keep up with new developments. I really like this part.
System Status Indicates the current state of the platform. Useful to test if something sounds like it's not working. Language Support
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Add RSS feeds and search for articles in Discovery manner in one of these languages.
ContentStudio.io Provides 100 percent human-based support round the clock via tickets, chat, and email, Their technician specialists are always there to help you beyond the limitation for any questions and pressing issues. Aside from the aid, when you log in to contentstudio.io, you can start a quick tour which shows you every product feature and all the measures top start content promotion and social media optimization,
So to know all components of cloud-based content Studio program, it's highly recommended to go through the quick product tour to start.
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- Home
- About Us
- News
- Interclub
- Events
- Getting Started
- Development
- Representative
- Clubs
The NZ Women's Interprovincial is underway at the Maraenui Golf Club in Napier. We wish the Flexi Lease Canterbury Women's Team all the best for the week.
Live scoring will be available on the NZ Golf website, click here to view.
Click here to view the leaderboard
Canterbury v Bay of Plenty
Maddie May lost to Caitlin Maurice 2/1
Amy Weng beat Jessica Green 1 up
Hillary O'Connor halved with Aroha Tito
Olive Tapu lost to Taylor-Rose Perrett 2/1
Mel Newburn lost to Susan Short 1 down
Canterbury beat Tasman 4.5-0.5
Maddie May halved with Lizzie Neale
Amy Weng beat Eve Clarke 2/1
Hillary O'Connor beat Emily Stenhouse 4/2
Olive Tapu beat Amber Boyce 6/4
Mel Newburn beat Tracy Bary 4/3
Canterbury beat Waikato 4-1
Maddie May beat Zahraa Bester 5/4
Amy Weng beat Jill Morgan 5/3
Hillary O'Connor beat Sarah Hancock 3/2
Olive Tapu lost to Robyn Pellow 2/1
Mel Newburn beat Sian Stevenson 1 up
Canterbury beat Northland 5-0
Maddie May beat Shardae Bulkeley 5/4
Amy Weng beat Kylie Jacoby 3/2
Hillary O'Connor beat Sjanna Bishop 6/5
Olive Tapu beat Jenny Peters 2/1
Mel Newburn beat Alayna Cox 6/5
Canterbury lost to North Harbour 3-2
Maddie May lost to Anna An 1 down
Amy Weng beat Vaha Fapiano 5/4
Hillary O'Connor beat Eunseo Choi 1 up
Olive Tapu lost to Yeonsoo Son 5/3
Mel Newburn lost to Danika Lee 2 down


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Huddersfield Town manager David Wagner has admitted that his transfer list is ever-growing as the January transfer window approaches.
Huddersfield currently sit 19th in the Premier League table, and are just two points off safety, having scored just 10 goals in 17 matches, with none coming from their forward men.
The Terriers are in desperate need of a goalscorer, with their Premier League status in serious doubt if they do not address and resolve their goalscoring woes. However, Wagner insisted that he understands the need for additional firepower and has admitted it is something he hopes to resolve in the winter window.
"I have a list and a pen and sometimes I put some more names on the list. I do what every manager does at this time of the season."
Huddersfield's return of just 10 goals in 17 matches is the top flight's lowest return, and none of the goals have been scored by the club's strikers - a worrying sign for the Terriers.
The Huddersfield Town strikers are trying to shoot it down.........— Peter (@PJ_Jenno) December 20, 2018
Laurent Depoitre is yet to get off the mark for the club, whilst Steve Mounie will return to contention this weekend after serving a three-match ban, and Wagner insists they still retain his full support.
"We do our stuff on the pitch, we speak in video meetings about the situations which they had, what they have done well, where they can maybe do a bit better.
Laurent Depoitre— FansBet (@fans_bet) December 21, 2018
The Huddersfield striker has found goals hard to come by since joining from FC Porto in the Summer of 2017.
Games - 16
⚽ Goals - 0
 Assists - 1
Minutes on pitch - 851
Fantasy points earned - 25 pic.twitter.com/OdPFIBsJ1h
"We speak about decision-making, but in the end it's all about giving them the belief.
Despite the public backing off his misfiring forwards, Wagner still hopes to invest in the January window, but when pressed, was tight lipped on any names.
Huddersfield host fellow Premier League sufferers Southampton this weekend, as they look to avoid a fifth straight defeat.
Source : 90min


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The US Open has been evolving and improving for many decades just like casino online games. The tourney conducted it first women's singles champions back in 1887. From the said year up to 1974, the competition was played on grass before it moved to clay courts around 1975 to 1977. However, after 1977 until date the US Open has been conducted on hard courts. In addition, those courts has given birth to many women legends as well as villains.
Nevertheless, we are not interested in talking about villains are we? We are much interested in the youngest women who became legends of the game. We are very aware of the Williams sisters but there are actually more unsung heroines in the US Open Women singles. Let us have a quick look at the youngest women singles champions that have graced the US Open in the previous years.
Steffi Graf
Steffi Graf made numerous headlines with the way she swung her racket in the tennis court. Her tennis prowess made her to win 22 Grand Slam titles and she held the World Number 1 ranking for a record of the longest-spell of 377 weeks. Her march towards greatness kick-started in 1988 when she won her second Grand Slam title at the Australian Open. She went on and win the French Open, Wimbledon and Olympics Gold medal.
Moreover, Graf won a tough 3-set contest win to walk away with the US Open for the first time. This was her first US Open victory for the first time at the age of 19years 88 days.
Serena Williams
If Graf has made it to the list. It is not surprising that Serena Williams too makes it to the list of champions.
According to casinosnz.io, Serena Williams came to the US Open as the 7th seed. During the tourney, she faced some tough matches. In the 3rd and 4th round, she came from a set down against Kim Clijsters and Conchita Martinez.
During the quarterfinals she had to come from behind again against Monica Seles as she qualifies a 3-set victory against Lindsay Davenport before making to the final to face Martina Hingis. Serena William was just 17 years, 350 days when she won the US Open title.


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Trend or Transition: A Report on Interdisciplinary Work in the 2013-2014 Academic Job Market for the Humanities and Social Sciences
Publication Date
Academics are increasingly encouraged to devote themselves to interdisciplinary scholarship, but does being interdisciplinary help you get a job? What do hiring committees really mean when they say they desire a candidate with "interdisciplinary experience"? To investigate these questions the 2014-2015 Graduate Fellows at Southern Methodist University's Dedman Institute for Interdisciplinary Studies undertook a content analysis of academic job announcements using the term "interdisciplinary". We analyzed 200 job listings for tenure-track positions at the Assistant Professor level in the social sciences and humanities, using job listings from the website H-Net posted during the 2013-2014 hiring cycles. The demands for interdisciplinarity in a candidate's research methodology, research topic, teaching, publication and collaboration were recorded. Approximately a quarter of the jobs use the term to refer to the hiring institution or department, and not the candidate. Hiring institutions with Research Clusters desire the most interdisciplinary candidates, and there is a bifurcation of weakly interdisciplinary job listings (typically focused only on interdisciplinary teaching) and highly interdisciplinary job postings demanding interdisciplinarity scholarship across multiple domains. Recommendations based on our results are presented for both job candidates and search committees.
Document Type
interdisciplinary, content analysis, academic job market
Arts and Humanities | Education Policy | Other Social and Behavioral Sciences | Sociology
Prepared for the Dedman College Interdisciplinary Institute, Southern Methodist University, Dallas, Texas
8 p.
© 2015 by Michael Aiuvalasit, Carson Davis, Ángel Gallardo, Bingchen Liu, Tim McGee, Meghan Wadle
Recommended Citation
Aiuvalasit, Michael; Davis, Carson; Gallardo, Ángel; Liu, Bingchen; McGee, Tim; and Wadle, Meghan, "Trend or Transition: A Report on Interdisciplinary Work in the 2013-2014 Academic Job Market for the Humanities and Social Sciences" (2015). Graduate Fellow Publications. 1.
Included in
Arts and Humanities Commons, Education Policy Commons, Other Social and Behavioral Sciences Commons, Sociology Commons


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When sludging through textbooks back in my school days, I constantly thought, "Honestly, is it so hard to make a book informative and interesting?" Well, September's Book of the Month proves that that the answer to that question is a resounding 'yes'!
Using a series of concise vignettes that are stuffed full of facts and fun, the Design Museum's Fifty Shoes that Changed the World manages to educate and entertain as it fills the reader in on the background of half-a-hundred footwear feats.
For example, did you know that Ferragamo's infamous cork platform was born because of an embargo placed on Italy during Mussolini's reign? Or, have you ever heard of the Nat-2 shoe? It's convertible. You can zip off the festively decorated, Converse-like top to reveal a simple sandal beneath. Then, how about the ballerina flat – who made that popular? Or winklepickers – where on Earth does that crazy name come from? This book covers all these 'sole-ful' topics with tightly laced, infallibly interesting copy.
If you're a shoe-lover, coffee-table owner, or fashion-history-buff wannabe like myself, this book has your name written all over it – in extra thick Sharpie marker.
By responding to the discussion question below, you could score a copy of this flat-out fabulous book. Even if winning this book isn't wedged in your cards, I'd highly recommend adding it to your shopping cart stat; I'll be hot on your heels!
Discussion topic: Tell us about a pair of shoes or item of clothing that has altered your world.
- You have until Tuesday, September 27, 2011 to participate.
- Though you may leave comments after the above date, any comments left after 11:59 p.m. ET on September 27 will not be counted into the giveaway.
- Only comments left on this blog post will be counted.
- We will contact you via e-mail if you are a winner.
- For more information, please see our Contests & Comments page.
Also, if you purchase the book from us, leave your own review of the book right here on the site, or on our Goodreads group!


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Austin Ejide
Position : Goalkeeper
Date of birth : 8 April, 1984
Team : Gabros United
Nationality : Nigeria
Notes : Whilst playing in the Nigerian league for Gabros United, Ejide took advantage of the poor form of the more established Nigerian goalkeepers to make his international debut. He played against Paraguay and Scotland in early 2002 at the age of just eighteen.
LAST UPDATED: 6 August, 2003
Click here to go back to Nigeria page
Click here to go back to List of Players page


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There are a handful of properties in Jamaica where barefoot luxury and the convenience of a resort hotel manage to co-exist. One such hotel is Half Moon at Rose Hall, a beautiful property where the Queen, Prince Charles and US president J.F. Kennedy and Jackie O have all stayed. This piece for travel website Luxe in a City gives you the lowdown on this historical five star resort located on Jamaica's beautiful north coast.
Half Moon Hotel and Villas in Rose Hall, Jamaica
This post is part of the collection of features that I've had published in the press across a variety of magazines and websites. If you're interested to see my full journalism portfolio, visit the In The Press section of this website. If you would like to get in touch regarding my food, lifestyle and travel writing, please email email@example.com


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Colin Kaepernick won't be playing during NFL's opening weekend, but his new Nike commercial will
Colin Kaepernick is going into his second season without being on an NFL roster.
But he will still be seen during NBC's broadcast of the season opener Thursday night.
His new ad for Nike will make its TV debut during the first game of the NFL season, between the Philadelphia Eagles and Atlanta Falcons, according to multiple media reports.
Kaepernick tweeted out the two-minute spot on Wednesday morning.
In it, Kaepernick narrates over clips of inspirational athletes accomplishing extraordinary feats.
"If people say your dreams are crazy, if they laugh at what you think you can do, good," an unseen Kaepernick says in the ad. "Stay that way, because what nonbelievers fail to understand is that calling a dream crazy is not an insult. It's a compliment."
Kaepernick appears toward the end of the commercial. "So don't ask if your dreams are crazy," he says while looking into the camera. "Ask if they're crazy enough."
Earlier this week, Kaepernick was announced as one of the faces of Nike's "Just Do It" 30th anniversary campaign. The former San Francisco 49ers quarterback became a polarizing figure in 2016 when he refused to stand during the national anthem before games as a protest against social injustice.
He opted out of his contract with the 49ers the following offseason and hasn't found work in the league since. Last week, an arbitrator denied the league's request to throw out a grievance filed by Kaepernick last fall. Kaepernick claims the NFL's owners have conspired to keep him out of the league.
The NFL issued a statement on social justice mentioning Kaepernick on Tuesday.
"The National Football League believes in dialogue, understanding and unity. We embrace the role and responsibility of everyone involved with this game to promote meaningful, positive change in our communities," said Jocelyn Moore, the NFL's executive vice president of communications and public affairs.
"The social justice issues that Colin and other professional athletes have raised deserve our attention and action."
Twitter: @chewkiii
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A day after a damning report about the front-office culture of Washington's NFL team, a former player is calling out ex-coach Jay Gruden.
New Orleans Saints safety D.J. Swearinger posted a text exchange he says he had with Gruden that appears to show the former Washington head coach challenging him to a fight. He published the exchange on Instagram with his own message that "they all need to be exposed."
Swearinger played for Washington from 2017-18. He wrote that the exchange occurred after a 40-16 loss to the New York Giants over Swearinger's comments in a postgame interview.
(The text exchange below contains NSFW language)
'Wanna play? Let's f---ing play'
"I was gonna give the man a pass, but after what's going on with that organization with women!" Swearinger wrote. "They all need to be exposed. I have a daughter to raise!"
Swearinger's criticism of coaching staff, release
Washington released Swearinger a week before the season finale in 2018 when Swearinger criticized the coaching staff after a 25-16 loss to the Tennessee Titans on on Dec. 22.
"That's a bad call," Swearinger said of a defensive call made by coordinator Greg Manusky, per the Washington Post. "I feel like that was a horrible call. ...
"I voice my frustrations every single time I come off the field. I'm a very smart football player. I probably watch more film than the coaches. That's probably documented. I try to give my insight, but you know, it doesn't work. I can only put my heart in this [expletive], dog. Put my heart in this [expletive] to give them what I can give them. Whether they take it or not, that's another thing."
Gruden said after Swearinger's release that the two had talked earlier in the season about him publicly criticizing the coaching staff.
"Thought we squashed it," Gruden said. "I guess not."
What Swearinger said after loss to Giants
The 40-16 loss to the Giants took place on Dec. 9, two weeks before the loss to the Titans. After the Giants loss, Swearinger had this to say about the coaching staff, per NBC Sports.
"You can't say it's the players, man, because we the same players," Swearinger said. "We're the same guys. We're putting in the same work. Defense, we're practicing hard. …
"From a player's standpoint, we're practicing, bro. Like I say, I can't give you no answers to that because I'm not the coaches."
It's not clear if that's the specific interview Swearinger references in Friday's Instagram post. Swearinger wrote this of Gruden's response a day after the alleged text exchange:
"Somebody told him that I said something about him in the interview but when he watched the interview he realized that person was lying & he actually agreed with everything I said."
Prior to his release, Swearinger started all 31 games he played in Washington at free safety. Washington finished 7-9 in 2018 for its third consecutive third-place finish in the NFC East.
More from Yahoo Sports:


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The newsroom at the Dallas Morning News has been delivering breaking stories and commentary to residents of the Dallas-Fort Worth area for more than 130 years. The historic newsroom, built in 1951, recently received an oversized technology upgrade with the integration of a 6mm pixel pitch, 75' wide by 2' tall NanoLumens Nixel Series™ LED display that serves as a 24/7 news ticker showing the organization's latest headlines. According to Gerald Reeves, Project Manager for Facility Solutions Group (FSG), which installed the display, the Dallas Morning News wanted a cutting-edge technology that, in the end, only NanoLumens could provide.
"Facility Solutions Group recommends NanoLumens products as a top-tier display solution, and that is exactly what this installation required," Reeves said. "We considered other manufacturers, but in the end, there was little comparison. Our clients trust us to deliver the ideal technologies to satisfy their needs, and NanoLumens' unique products and capabilities are increasingly considered the best-of-the-best."
The plaster-finished mezzanine where the display was to be mounted was built in 1951 and required significant engineering to develop a support structure that would retain the architecture's historical value while supporting the massive LED display. FSG used 3D modeling to ensure tolerances were within limits and all expectations were met to the historical society's satisfaction.
"The new ticker display at Dallas Morning News is further proof that we can deliver stunning LED displays in whatever size and shape is required," said Eric Siegler, NanoLumens Regional Sales Manager – Southern Midwest. "Whether they are intended for a single purpose or to be used for varied content and audiences, NanoLumens can design and build a display for any location. With the ability to provide ultra-fine pixel pitches down to 0.9mm, build curved and flexible displays for indoor and outdoor use, a front-accessible design that simplifies maintenance and the industry's most generous 6-year down-to-the-pixel warranty, it's no wonder organizations and integrators across the country are choosing NanoLumens."
About Facility Solutions Group
For more than thirty-five years, Facility Solutions Group's teams of experienced professionals have been designing, fabricating, installing, maintaining, and servicing turn-key solutions for customers in a wide variety of industries. FSG's clients include large property owners and managers, commercial business, retail chains, general contractors, property developers, healthcare, financial, hospitality, educational, government entities, ESCO's, industrial, high-end residential, and individual consumers. For more information, visit www.fsgi.com.
About The Dallas Morning News
The Dallas Morning News is a Pulitzer Prize-winning daily newspaper serving the Dallas–Fort Worth area of Texas, with an average of 271,900 daily subscribers. It was founded on October 1, 1885, by Alfred Horatio Belo as a satellite publication of the Galveston Daily News, of Galveston, Texas. Today it has one of the 20 largest paid circulations in the United States. In the last three decades the paper has won nine Pulitzer Prizes for reporting and photography, George Polk Awards for education reporting and regional reporting, and an Overseas Press Club award for photography. The company has its headquarters in downtown Dallas. For more information, visit www.dallasnews.com.
About NanoLumens
Headquartered in Atlanta, Georgia, NanoLumens partners with clients to create uniquely compelling, interactive LED visualization solutions that take the guesswork out of owning a display network. As the fastest growing visualization company in the US, our experiential LED displays exceed the imaginations of global clients in retail, transportation, corporate, gaming, higher education, sports and arenas, and houses of worship. Through world-class proprietary technology, NanoLumens displays are ultra-thin and lightweight, energy efficient and available in any size, shape or curvature. NanoLumens solutions are proudly designed and assembled in the United States of America and come backed by an industry-leading six-year warranty. For more information, visit www.nanolumens.com.


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Team Profiles
#13 Annika Lee-Jones
Athlete Stats
- Position: GK/GD
- Previously Played With: West Coast Fever
- Age: 23
- Height: 197cm
- Place of Birth: Australia
Player Bio
Lee-Jones is a talented tall who spends most of her time in defence, with her primary positions being Goal Keeper and Goal Defence. At 197cm tall, she is both the tallest and youngest of the Lightning players. Lee-Jones hails from Perth and was given her first taste of Suncorp Super League action playing for West Coast Fever as part of their squad in 2017. After two seasons playing for Fever, she moved cross-country and joined Lightning. The 23-year-old made her debut for Sunshine Coast against her former side in round two of 2019. While mild-mannered off court, she provides an increased physicality and hands over defensive style of play.


text: Congratulations to Jennifer McGrew-Thomason from the El Centro Rotary Club, District 5340's Rotary Superhero Rose Parade Walker. Jennifer gets the once in-a-life-time opportunity to walk alongside the Rotary Float in the upcoming Rose Parade on New Year's Day! The El Centro Club superhero's name was drawn from basket filled with names of all Rotarians that received Superhero pins from District Governor, Marta Knight during her Governor's visit.


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High-end wired earbuds (in ear headphones) cost several hundred of dollars, some pairs (IEMs) go over $1000 but we haven't seen a steady move of these earbuds to Bluetooth. Here are a few reasons.
Bluetooth tech hasn't made a break-through about the sound quality. Bluetooth sound are supposed to be for active personalities rather than for audiophiles
High-end earbuds's reproduce really good sound, their sound tends to be at time of the recordings of the song. The audio via Bluetooth goes through compression and reproduction of sound, so it is not original they are just like a bottle neck, making the sound less real.
The audio data goes through a process, in which they are compressed and later decode by Bluetooth receiver, a module of Bluetooth earbuds. And the audio data is never the same, some data is lost.
If $200 earbuds go Bluetooth, they wound sound like a $100 earbuds or less. For example, take a look at Shure SE215 using Bluetooth cable Shure RMCE-BT1 Bluetooth and the wire connector. The sound perspective tells a wholly different story.
Not everyone like to re-charge their Bluetooth earbuds
Even the longest lasting battery of Bluetooth earbuds is up to 20 hours. We till have to re-charge it and over years the battery won't hold charge and you have to get rid of your expensive earbuds. If you stick to wired model they would last up to 5 years or more, that is a worth investment.
Last year Beyerdynamic released the Xelento Wireless, the Bluetooth version of in-ear Xelento. This is probably the most expensive Bluetooth earbuds, hovering at approximately $1200. The Xelento Wireless feature Bluetooth with AptX HD and drivers Tesla. They are lightweight and comfortable to wear but the battery is just 6 hours.


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justiceforkevinlane.com was commissioned by Kevin's family, most of whom live in Scotland, and are aware of Kevin's innocence.
Here at http://www.ferrisconspiracy.com we will endeavour to highlight severe cases of corruption, not only in Scotland but in the UK as a whole.
http://www.justiceforkevinlane.com will show the exact reasons why police corruption is rife and rampant in all areas, even when the police themselves get sent to prison for wrongdoing.
For further information in relation to this case, please click on the link above and add your voice of support.
first time on the site guys and what an eyeopener
Frankie fay Dundee this guy has relations up beside you as I read his extended family were fay Bonnie Dundee do you ken the fellow? a sad case mate!
A must read separate site from this and equally shocking!
Good luck KEVIN keep fighting mate!
hi real1,i dont know the family of kevin,but its sad how this inocent man has been treated by the system.
hi admin, yes thats correct how many other cases are there,maybe people who just say to themselves,(i am inoccent but what can i do about it no one will listen) it so sad.
Hi Frankie... tragic would be more the word I would use to describe such miscarriages of justice, and I am sure that there are many more cases that WE at ferrisconspiracy.com can bring to light. Thanks for the post.
http://www.justiceforkevinlane.com is ane eye opener!
sad story south re Mr lane and what a shocker to read his website too i am sure he will eventually be freed
That case is indeed a shocker.......................and there are many more like that out there...rest assured.... Disgraceful! Bilko
We support Kevin and his team and hope the doors of freedom are not too far away now.
As for the cop in the case? what a horrible evil cretin he would be at home here in STRATHCLYDE among his own kind.
We fully support Kevin and his fight for FREEDOM!
Send him a message of support to http://www.justiceforkevinlane.com
Hi All... thanks for the posts. We fully support EVERY innocent man and woman who have been wrongfully convicted, with their fight for freedom. Will be personally posting a message of support for Kevin Lane, as every voice counts, and he deserves to be FREE.
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Amy Krouse Rosenthal; Illustrated by LaUyen Pham
I love when a book has a cute little twist that really makes it funny. That's exactly what's happening here, and kids will find this to be a hilarious switcheroo. The parent and the child are trading places, with the daughter being the one responsible for getting her mom to bed. The funniest part is how perfectly her mom plays the role of child! Parents will instantly identify with the typical bedtime behaviors displayed.
When the clock strikes 7:30, the mother is still working away at her desk. We know someone is diligently monitoring the time for her, as a little ponytailed head pops around the corner and announces "Bedtime!" But, but, Mom isn't ready for bed yet, and she frantically shuffles papers and taps on her keyboard. Her request of an additional "five more minutes?" is reluctantly granted, but then it really will be bedtime, no excuses.


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What we knew : terror, mass murder and everyday life in Nazi Germany : an oral history / Eric A. Johnson and Karl-Heinz Reuband.
Available copies
- 1 of 1 copy available at Kirtland Community College.
Current holds
0 current holds with 1 total copy.
|Call Number / Copy Notes
|Shelving Location
|Due Date
|Kirtland Community College Library
|General Collection
Record details
- Physical Description: xxiii, 434 p. ; 24 cm.
- Publisher: Cambridge, Mass. : Basic Books, c2005.
Content descriptions
|Bibliography, etc. Note:
Includes bibliographical references (p. 399-417) and index.
|Formatted Contents Note:
Pt. 1. Jewish survivors' testimonies. 1. Jews who left Germany before Kristallnacht: William Benson, Leipzig ; Margarete Leib, Karlsruhe ; Henry Singer, Berlin ; Karl Meyer, Cologne -- 2. Jews who left Germany after Kristallnacht: Armin Hertz, Berlin ; Josef Stone, Frankfurt ; Elise and Hermann Gottfried, Berlin ; Rebecca Weisner, Berlin ; Joseph Weinberg, Stuttgart -- 3. Jews who were deported from Germany during the war: Max Liffmann, Mannheim, 1940 to Gurs ; Herta Rosenthal, Leipzig, 1942 to Riga ; Ernst Levin, Breslau, 1943 to Auschwitz ; Ruth Mendel, Frankfurt, 1943 to Auschwitz ; Helmut Grunewald, Cologne, 1943 to Auschwitz ; Herbert Klein, Nuremberg, 1943 to Theresienstadt ; Werner Holz, Krefeld, 1943 to Theresienstadt ; Hannelore Mahler, Krefeld, 1944 to Theresienstadt -- Jews who went into hiding: Ilse Landau, Berlin ; Lore Schwartz, Berlin ; Rosa Hirsch, Magdeburg -- Pt. 2. "Ordinary Germans" testimonies. 5. Everyday life and knowing little about mass murder: Hubert Lutz, Cologne ; Marta Hessler, Stettin ; Rolf Heberer, Freithal ; Gertrud Sombart, Dresden ; Erwin Hammel, Cologne ; Anna Rudolf, Berlin ; Peter Reinke, Cologne ; Helga Schmidt, Dresden ; Werner Hassel, LeobschuÌtz -- Everyday life and hearing about mass murder: Hiltrud KuÌhnel, Frankfurt ; Ruth Hildebrand, Berlin ; Ekkehard Falter, Dresden ; Stefan Reuter, Berlin ; Ernst Walters, Schwalbach ; Effie Engle, Dresden ; Winfried Schiller, Beuten -- Witnessing and participating in mass murder: Adam Grolsch, Krefeld ; Hans Ruprecht, Cologne ; Albert Emmerich, Eberswalde ; Walter Sanders, Krefeld -- Pt. 3. Jewish survivors' survey evidence: Everyday life and anti-semitism ; Terror ; Mass murder -- Pt. 4. "Ordinary Germans" survey evidence: Everyday life and support for National Socialism ; Terror ; Mass murder -- Conclusion: What did they know?
|Summary, etc.:
What We Knew offers the most startling oral history ever done of life in the Third Reich. Combining the expertise of a German sociologist and an American historian, it draws on both gripping oral histories and a unique survey of 4,000 people-both German Jews and non-Jewish Germans, who lived under the Third Reich. It directly addresses some of the most fundamental questions we have about the Nazi regime, particularly regarding anti-Semitism, issues of guilt and ignorance, popular support for the government, and the nature of the dictatorship itself. Johnson and Reuband's original research confirms that both Germans and Jews were aware of the mass murder of European Jews as it was occurring. From the responses of Jewish survivors, German anti-Semitism wasn't universal among their neighbors and colleagues, even as they experienced official mistreatment. Additionally, the authors' research suggests that Hitler and National Socialism were genuinely popular among ordinary Germans and that intimidation and terror played no great part in enforcing loyalty. Refuting long-held assumptions, the discoveries revealed in What We Knew are key to our understanding of life in the Third Reich, and make this book a central work for scholars of the Holocaust, World War II, and totalitarianism. Drawing on interviews with four thousand German Jews and non-Jewish Germans who experienced the Third Reich firsthand, an intriguing oral history describes everyday life in Nazi Germany, addressing such issues as guilt and ignorance concerning the mass murder of European Jews, anti-Semitism, and the popular appeal of Hitler and National Socialism.
Search for related items by subject
|Germany > History > 1933-1945.


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In 2017, Burbank City PUMA, CA had a population of 119k people with a median age of N/A and a median household income of $70,450. Between 2016 and 2017 the population of Burbank City PUMA, CA grew from 118,710 to 119,312, a 0.507% increase and its median household income grew from $68,133 to $70,450, a 3.4% increase.
The 5 largest ethnic groups in Burbank City PUMA, CA are White (Non-Hispanic) (54.9%), White (Hispanic) (14.1%), Asian (Non-Hispanic) (12.2%), Some Other Race (Hispanic) (9.2%), and Two or More Races (Non-Hispanic) (3.58%). 46.5% of the people in Burbank City PUMA, CA speak a non-English language, and 87.8% are U.S. citizens.
The largest universities in Burbank City PUMA, CA are New York Film Academy (1,435 degrees awarded in 2017), Make-up Designory (603 degrees), and International College of Beauty Arts & Sciences (77 degrees).
The median property value in Burbank City PUMA, CA is $655,200, and the homeownership rate is 41.6%. Most people in Burbank City PUMA, CA commute by Drove Alone, and the average commute time is 26.4 minutes. The average car ownership in Burbank City PUMA, CA is 2 cars per household.
Burbank City PUMA, CA borders LA City (East Central/Silver Lake, Echo Park & Westlake) PUMA, CA, LA City (Mount Washington, Highland Park & Glassell Park) PUMA, CA, Glendale City PUMA, CA, LA City (East Central/Hollywood) PUMA, CA, LA City (Central/Pacific Palisades) PUMA, CA, LA City (Northeast/North Hollywood & Valley Village) PUMA, CA, and LA City (Northeast/Sunland, Sun Valley & Tujunga) PUMA, CA.


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At least some content in this article is derived from information featured in Harry Potter: Hogwarts Mystery. Spoilers will be present within the article.
|"I show not your face but your heart's desire."
This page "shows not" an image, but just a written article. Please help the Harry Potter Wiki by uploading and adding an image to this article and then removing this template.
Cheese-Based Potions are a range of potions which use cheese as a main ingredient. A chapter on Cheese-Based Potions is included in the new revised edition of Charm Your Own Cheese by Gerda Curd.[2]
During the 1989–1990 school year at Hogwarts School of Witchcraft and Wizardry, Professor Severus Snape taught his sixth year Potions students how to brew Cheese-based Potions.[1]
- J. K. Rowling's official site (First mentioned)
- Harry Potter: Hogwarts Mystery (First appearance)
Notes and references
- ↑ 1.0 1.1 1.2 Harry Potter: Hogwarts Mystery, Year 6, Chapter 8 (Owl Prowl) - Potions Lesson "Cheese-Based Potions"
- ↑ "Guide to jkrowling.com - Rumours tabloid" at the Harry Potter Lexicon.


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University of Aberdeen: School of Medicine, Medical Sciences and Nutritionhttp://www.abdn.ac.uk/smmsn
University of Aberdeen
School of Medicine, Medical Sciences and Nutrition
The School of Medicine, Medical Sciences, and Nutrition provides a dynamic, world-class teaching, learning and research environment creating opportunities for greater knowledge and scientific discovery that will underpin maintaining good health and the treatment of disease.
Top UK Medical School
We are proud to be ranked 1st in Scotland for medicine and 2nd in the UK in the Guardian League Tables 2020, we are also ranked 1st in the UK for dentistry. The University of Aberdeen is a Top 30 UK University according to The Complete University Guide 2020 and is also ranked 2nd in the UK for sports science.
Commitment to Excellence
We are committed to developing excellence in our students and have world – leading expertise in a range of disciplines. We have 780 staff, providing teaching and research excellence and clinical expertise, who support a community of almost 2,000 students.
We have a thriving community of postgraduate students undertaking both taught and research degree programmes which strongly link to our areas of research expertise. We consistently achieve high levels of student satisfaction and our graduates are highly sought after by employees.
Organised into Institutes, incorporating world-class Research Centres, these are focused in areas of excellence which address the key challenges facing society today. These include cancer, women's health, cardiovascular science and diabetes, arthritis and musculoskeletal health. In 2018, the University of Aberdeen was presented with the Queen's Anniversary Prize for Higher and Further Education in recognition of the University's world-leading research into health services over the last 40 years.
Foresterhill Campus
Located at the heart of the Foresterhill Health Campus, one of the biggest health campuses in Europe, our state-of-the-art facilities include the Suttie Centre for Teaching and Learning in Healthcare, the Institute of Medical Sciences, the Institute of Applied Health Sciences and the world-renowned Rowett Institute which plays a major role in the UK research capability in nutrition and human health.
Our students benefit from access to cutting-edge facilities and technologies keeping us at the forefront of developments in the diagnosis and treatment of disease.
Networking opportunities
We offer our postgraduate students several opportunities to engage with industry, meet leading academics and grow their professional networks. Every week our medical sciences students attend seminars led by distinguished speakers presenting on a wide range of topics on the theme of Molecules, Cells & Immunity, Physiology, Neuroscience and Behaviour. At the University of Aberdeen, we co-ordinate one of the UK's largest community Café programmes where researchers present their work on topical issues in informal settings. Our students are often given the opportunity to contribute to Café Med and Café Sci, as well as participate in a range of other public engagement initiatives.
Masters Programmes
Our range of Masters programmes – delivered both on-campus and online - have been developed to provide the skills, knowledge and expertise to keep students at the forefront of innovation and pioneering treatments for disease. Programmes are delivered on a one year full-time or two year part-time basis, all starting in September.
Biomedical Sciences
MSc Biotechnology, Bioinformatics and Bio-business
MSc Cardiovascular Science and Diabetes
MSc Immunology and Immunotherapy
MSc Reproductive and Developmental Biology
Clinical Pharmacology and Drug Development
MSc Drug Discovery and Development
MSc Precision Medicine and Pharmacological Innovation
Health Sciences
Master of Public Health (also available online)
MSc Clinical Nutrition (online)
MSc Global Health and Management
MSc Health Economics for Health Professionals (online)
Medical Physics and Imaging
Medical Education
MSc Physician Associate Studies
PgCert Research Methods for Health
MSc Advanced Clinical Practice
For further information, or to apply, contact:
School of Medicine, Medical Science and Nutrition
Telephone: +44 (0) 1224 272090
Email: firstname.lastname@example.com
Follow us on
Available courses
- Biotechnology, Bioinformatics and Bio-Business (MSc)
- Cardiovascular Science and Diabetes (MSc)
- Clinical Nutrition (MSc)
- Clinical Pharmacology (MSc)
- Drug Discovery and Development (MSc)
- Foundations of Clinical Psychology (MSc)
- Global Health and Management (MSc)
- Health Data Science (Master of Science - MSc (PG))
- Health Economics for Health Professionals (MSc)
- Human Nutrition (MSc)
- Immunology and Immunotherapy (MSc)
- Industrial Biotechnology (MSc)
- Medical Imaging (MSc)
- Medical Physics (MSc)
- Medical Sciences (Master of Research - MRes)
- Microbiology (MSc)
- Molecular Medicine (MSc)
- Physician Associate Studies (MSc)
- Public Health (MPH)
- Reproductive and Developmental Biology (MSc)
- Research Methods for Health (Postgraduate Certificate - PgCert)
- Special Care Dentistry (Master of Science - MSc (PG))
Scholarship Opportunity with Postgrad.com
Are you a PG student at this University or have you applied to study a postgraduate program at a university in Europe? Tell us your plans and qualify for a £500.00 PGS Scholarship.Click here


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I love November because of the emphasis on being thankful.
For most of Americans, our children grow up in a privileged society taking what they have for granted. My children do; in fact, I often take my life for granted and find it easy to complain. Yet God wants us to be content with what we have and to rejoice even in tribulation. Every year, I like to take the month of November to focus on being thankful.
Even though I had done my own Thanksgiving printables a few years ago, I scoured the internet looking for easy Thanksgiving devotionals for our kids to use this month.
Here are a few resources I found:
- I found these easy devotions that I am retyping in a different format and using for my children.
- WriteShop has a really cute gratitude journal that I was able to download after subscribing to their emails. A pop-up should appear on the right hand of the screen.
- faithgateway has these printable verse cards that include a verse and a prompt for discussion.
Even though I have devotions the kids are doing for Thanksgiving, I wanted something they could continue to see after they did it. So I made these little leaves; and for six days, we will do one leaf a day and put them on the walls around our desks. Next week, I will try to make 6 different leaves.
You can download these leaves and use them for your own house or school by clicking on the picture below!
Some of my favorite posts from last week's party:
- Acceptable in Your Sight by Happy Gentle Homestead
- The Bible is NOT a Buffet by Sarah E Koontz
- When God Provides in the Good and the Bad by Sun, Sparkle, Shine
Here are the rules for this linky:
The thoughtful topics for your posts could be related to but not limited to the following topics:
* homemaking * homeschooling * devotional or Biblical posts * Christian in nature * family/marriage * inspirational *
- Do NOT link up recipes, reviews, giveaways, diy, or crafts.
- Link up to three posts that have not been linked up to this linky previously!
- We would love it if you visited a couple other posts and left a comment or shared/pinned the post!
- If you include your e-mail in the linky form below you will be added to a weekly reminder e-mail when the link party goes live. Your e-mail will not to added to any other lists or given out.
- If you wish, please follow Creative K Kids by subscribing to our newsletter or following us on social media.
If you link up, we would love if you put this button somewhere on your blog (sidebar, post, or party page) or provide a text link so that others can also find these great posts.


text:
Changing jobs or careers is tough
Whether you're employed, underemployed, or unemployed, confusion, overwhelm, fear, and frustration can easily stall or derail your progress.
Meantime, you're losing a month's pay every month your unemployed or underemployed.
Career coaching can help you get clear, stand out to employers, and shorten your job search.
What is involved?
Depending on where you are in the career transition process, you might benefit from:
- Job Decision Clarity to identify your criteria, such as what you want to do, where, with whom, your values, and your purpose.
- Tap the Hidden Job Market to take control of your job search and develop a measurable plan for contacting people for information and referrals.
- Gain Interview Confidence by understanding the hidden agendas behind common questions, preparing well, and rehearsing until you gain poise.
- The Premier Job Search Package, which includes both Tap the Hidden Job Market and Gain Interview Confidence.
- The Deluxe Job Search Package, which includes both Tap the Hidden Job Market and Gain Interview Confidence plus four additional weekly coaching sessions and email support
Who benefits from career coaching?
Professionals, leaders, and executives who identify with any of the following:
- Want to develop a new mission or purpose and/or change jobs or careers
- Want to change jobs or careers
- Feel stuck in their job or their job search
- Are uncomfortable or unsuccessful with job interviews
- Have been out of work while getting another degree or training, being a caregiver, or recovering from illness
- Want to stand out among job candidates or similar service providers.
What are the steps to changing jobs or careers?
- Job Decision Clarity is the foundation.
Take charge of your career by identifying your criteria for positions you want. Doing so allows you to tell others, research and select target positions and companies, and to communicate what you want to people who can introduce you to those who can help. It helps you identify your purpose and what you want to do, where, and with whom.
2. Obtain a professionally-written résumé, cover letter, and LinkedIn profile that quickly communicate what you offer to employers and pass through applicant tracking software and LinkedIn's search engine.
2. When you know what you want to do and have your career documents, then Tap the Hidden Job Market guides you to develop a measurable job search plan and communications to find the 60%- to 80% of jobs that are never advertised.
3. After you have a plan in place, Gain Interview Confidence provides strategies and rehearsal so you can respond with ease in job interviews and identify questions to screen employers according to your criteria.
4. Additional coaching is available to support you as you implement your job search plan separately or as part of the Deluxe Job Search Package.
What's coaching like?
During sessions, depending on your needs, I may:
- Ask questions that help you deepen your thinking
- Offer action steps, worksheets, ideas, articles, and/or books
- Widen your perspective and options, so you see opportunities you might have otherwise missed
- Help you stay on track with your actions and commitments to yourself when you get stuck or discouraged
- Role-play interviews for information or for jobs
- Make sure that you don't feel alone in your career transition
- Encourage you and celebrate your successes, so you see your progress.
- Answer your emailed questions and celebrate your successes between sessions.
With support, you'll take it one step at a time, at your own pace. Yet, you'll make faster progress than you ever could alone.
What clients say
"I was fortunate to meet Holly when I was grappling with a particularly challenging issue at work. She gave me the tools I needed to find a successful solution. She listened and guided me. When I think of Holly's leadership style and results, I think of the philosopher Lao Tzu: But with the best leaders, when the work is done, the task accomplished, the people will say "We have done this ourselves." Holly is one of the best leaders.
— Carolyn D., Director, West Palm Beach, FL
"I felt properly prepared for an interview, probably for the first time in my life....I actually enjoy going on interviews now because I know what I'm doing! The work I did with Holly was pivotal to my success."
— Paula M., Therapist, West Palm Beach, FL
"You nailed what was keeping me stuck, and the process you suggested was exactly what I needed to dissolve my inner blocks. I also felt understood and safe so I could open in ways I normally wouldn't. Holly, you have both a compassionate heart and a well of wisdom that you generously share. Thanks so much!"
—Charo Pinilla Villaverde, Founder and Coach, TappingYourPurpose.com, Madrid, Spain,
"During my coaching program with Holly, I learned and applied structures, strategies, and resources that enabled me to narrow down what I want to do next in my career. With Holly's guidance, I also gained additional skills for building my professional network, including tools for conducting effective informational interviews."
— Shannon Brown, Orlando, FL
Feel clear, stand out, and be confident
Feel free to contact me for a consultation to discuss your situation, goals, and challenges. If we both think I can help you, I'll tell you how I work. There's no obligation.


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Independent financial body, The Administrative Burdens Advisory Board (ABAB) has criticised HM Revenue & Customs' (HMRC) plan to force small businesses to submit quarterly digital tax returns.
The body's annual report highlighted "significant concerns" that are shared with the Federation of Small Businesses (FSB). In particular, the report predicted that quarterly updates would be "more burdensome" than the current process, and that the change would increase both record keeping and compliance costs for smaller enterprises.
There are also concerns regarding HMRC's aim to mandate small businesses to use the as-yet-untested digital tax returns platform. The report in particular noted reservations about both the appetite amongst small businesses for using the software and the ability of the software itself to deliver HMRC's vision for small business tax management.
Another major criticism of the report was the manner in which the new policy was announced without consultation or warning in last year's Autumn Statement. The ABAB noted that it was "surprised and disappointed" that it had not been consulted on the changes already, given its "close engagement and relationship" with HMRC.
Mike Cherry, chairman, FSB, said: "The writing is on the wall as more and more small businesses are making clear their concerns about this poorly thought out plan.
"Forcing small firms to pay for expensive digital accounting software so they must submit extra tax returns is not going to help anyone. It will simply add to the cost of doing business in the UK. These proposals will also substantially increase administrative burdens – particularly for the smallest businesses.
"When every independent body and expert is lining up to tell you to stop, slowdown and think again, it might be time to take a breather and listen to their concerns."
The FSB has already requested that its members outline the impact the changes could potentially have on their day-to-day operations to illustrate the possible negative consequences of the new legislation to the Government.
It's hoped that if Ministers are made to understand the issues that could arise, quarterly reporting might be introduced purely on a voluntary basis rather than a compulsory one.
Independent financial body, The Administrative Burdens Advisory Board (ABAB) has criticised HM Revenue & Customs' (HMRC) plan to force small businesses to submit quarterly digital tax returns.


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I grew up and completed college and medical school in southern California. During medical school, I spent time doing laboratory research at the National Institutes of Health in Washington DC and completed a research doctorate degree at the University of Oxford. After finishing medical school, I moved to Boston to complete my psychiatry residency at the Massachusetts General Hospital and McLean Hospital, after which I continued to work for two years as faculty at Harvard Medical School. I have been trained by MAPS's in MDMA-assisted Psychotherapy and am based in Los Angeles, CA.
How I work with clients
During my psychiatry residency in Boston I became interested in how psychedelics can enhance psychotherapy. Soon after, I completed trainings by MAPS to be a therapist in the upcoming clinical trials for MDMA-assisted psychotherapy for PTSD. While I do not provide any type of psychedelic/MDMA therapy outside of clinical research, my trainings by MAPS, in addition to my personal reading/research into psychedelic and psychotherapy, I am able to provide integration therapy for such experiences. While in residency I focused on psychotherapy as a treatment modality. I received training/supervision in both classical Freudian psychoanalysis and Jungian analysis which I feel help me to integrate both Western medicine and Eastern philosophy, which I find especially helpful in understanding psychedelic experiences.
While I am able to prescribe medications, the majority of people who I treat are not on medications. I do believe that medications can be helpful in certain situations and will prescribe them, though I am always mindful of reducing/discontinuing them as soon as my clients and I agree that things can likely be managed without them. I sum, I view the therapeutic relationship as the agent leads to lasting change, while medications can be temporarily helpful during that process.
Lastly, I see my role in a treatment relationship not as a healer, but as someone who can use my skills and experience to help people engage their inner healer to heal themselves. In other words, I see the goal of treatment being to one day not need psychotherapy or medications. Feel free to reach out with any questions.


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Froggers Grill & Bar (Old Town)
Froggers Grill & Bar is an unconfirmed Steelers Bar located in Kissimmee, Florida.
This bar was submitted by Ashley who said:
Located in Old Town.
It doesn't say much as a Steelers Bar. As we know Froggers is known as Steelers Bar in Florida. The website even has Steelers Logo on the top of the main page. We confirmed Froggers located in Oviedo Florida as a Steelers Bar in the past. We're looking forward to seeing fan pictures to put it in this post and share with Steelers fan. We found several posts related to Steelers on a Facebook page. It's clear that the owner or social media manager is a Steelers fan, but we couldn't find any fan enjoying the game picture.


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Subject: Re: [wsrp-interfaces] Questions regarding getPortletDescription()
Like Subbu said, right now if a Consumer wants to reread the portlet descriptionfor a POP, they have to get the entire ServiceDescription and search for the POP'sportlet description. While it seems nice to say that we expect the Consumer tocache the ServiceDescription and thus not request it very often, the use caseswe are talking about are not when the Consumer just wants the ServiceDescriptionfor the sake of getting the ServiceDescription. There are more times when theConsumer wants to update only some subset of POPs metadata, and because of theissues Scott has raised (the getPortletDescription() is sensitive to the UserContext),if the Consumer wants the "full" POP description it must request the entireServiceDescription again as this is assured to have the "full" POP description.Getting the "full" POP description from the ServiceDescription seems to be inefficientand it would be better if the Consumer could request the "full" POP description byusing the getPortletDescription() call (i.e. irrespective of a user).Christopher-----Original Message-----First off on the question of "This makes me wonder if I should completely ignore what's found in the ServiceDescription to avoid using incorrect information." I would advise the opposite. getServiceDescription() defines the complete function of a portlet. If you are choosing to pass the additional context information to getPortletDescription() then you are in effect checking with the producer what subset of this complete function this particular context can use. Because all producers must be defensive an assume they will be called to do things in inappropriate contexts a consumer can safely try any operation directly [without checking first] and then deal with the resulting fault/denial. And given getPortletDescription is an extra roundtrip in general its more advisable to not call it and just try the operation. That being said there may be some circumstances in some consumers where its considered important to prevent the user from invoking function that isn't available -- for example one might want to restrict the view of a toolbox of portlets that can be added to a "page" to only those portlets this user can access/see. This feature allows us to meet this type of [hopefully limited] use case.
From: Michael Freedman [mailto:firstname.lastname@example.com]
Sent: Thursday, June 03, 2004 4:07 PM
To: firstname.lastname@example.com
Subject: Re: [wsrp-interfaces] Questions regarding getPortletDescription()
As for the comments about cumbersome, can you describe the use cases that are making this cumbersome? I recall we expected the consumer would [generally] be caching this information hence getServiceDescription would not be called very often.
Coco, Christopher wrote:
I agree that this process is cumbersome and not necessarily desirable. Christopher -----Original Message----- From: Subbu Allamaraju [mailto:firstname.lastname@example.com] Sent: Thursday, June 03, 2004 2:21 PM To: email@example.com Subject: Re: [wsrp-interfaces] Questions regarding getPortletDescription() This is a good point, and I agree that there is scope for confusion. On a related note, based on the implementation experience, I wish there is a getPortletDescription operation on the Service Description interface. Right now, if a consumer wants to find out the description of a POP, it must get the complete service description and look for the particular portlet. This is cumbersome for both the consumer and the producer. Did we ever discuss this during 1.0? Regards, Subbu Goldstein, Scott wrote:Thanks, again, for the info Rich. It might be worth considering changing the language of the getPortletDescription() section to clarify expected behavior. The existence of the UserContext parameter together with the statements: "This operation allows a Producer to provide information about the Portlets it offers in a contextsensitive manner." and "Consumers may choose to alter how they interact with a Portlet based on the metadata contained in the returned PortletDescriptionResponse." leads me to believe, as a Consumer developer, that the content returned from this operation will be different than that in the ServiceDescription. This makes me wonder if I should completely ignore what's found in the ServiceDescription to avoid using incorrect information. Scott ------------------------------------------------------------------------ *From:* Rich Thompson [mailto:firstname.lastname@example.com] *Sent:* Thursday, June 03, 2004 3:26 AM *To:* firstname.lastname@example.com *Subject:* RE: [wsrp-interfaces] Questions regarding getPortletDescription() Agreed. Rich *"Coco, Christopher" <firstname.lastname@example.com>* 06/02/2004 08:10 PM To "Goldstein, Scott" <firstname.lastname@example.com>, Rich Thompson/Watson/IBM@IBMUS, <email@example.com> cc Subject RE: [wsrp-interfaces] Questions regarding getPortletDescription() From my understanding, as long as the call is for a POP as CCPs aren't listed in the ServiceDescription. Christopher -----Original Message-----* From:* Goldstein, Scott * Sent:* Wednesday, June 02, 2004 5:08 PM* To:* Rich Thompson; email@example.com* Subject:* RE: [wsrp-interfaces] Questions regarding getPortletDescription() Thanks for the info, Rich. So, just to be completely clear, in the case that the metadata is not updated in any fashion by the producer, if I were to call getPortletDescription() with a UserContext containing all of the Producers' user categories, I would be guaranteed to receive the same structure as if I had called getServiceDescription(). Correct? Scott ------------------------------------------------------------------------ *From:* Rich Thompson [mailto:firstname.lastname@example.com] * Sent:* Wednesday, June 02, 2004 8:57 AM* To:* firstname.lastname@example.com* Subject:* Re: [wsrp-interfaces] Questions regarding getPortletDescription() Thanks for your persistence ... sometimes as we get busy we hope that others will supply the answers :} The data in GetPortletDescriptionResponse is the same that is included in the array returned by getServiceDescription() with a few caveats. The data is allowed to change (portlet data updated, user access rights, etc) and most Producers will only return data from getServiceDescription() for their POPs while getPortletDescription() can be invoked against any portletHandle. Rich *"Goldstein, Scott" <email@example.com>* 06/02/2004 11:31 AM To <firstname.lastname@example.com> cc Subject [wsrp-interfaces] Questions regarding getPortletDescription() I haven't received a reply to my message I sent out last week, so I thought I would try to resend it. If you have any answers to the questions below, please reply. Thanks. I have the following questions regarding the getPortletDescription() operation: 1. How does the data returned in the PortletDescriptionResponse relate to the portlet description contained within the ServiceDescription? Must they be identical? Or, can the producer change the data based on the user context. For instance, could the producer not specify a particular supported mode if the user is not an admin? 2. If the answer to #1 is that they can be different, then is there a way to ensure, when calling this method, that the PortletDescription returned would be equal to that in the ServiceDescription? Perhaps by sending all of the possible User Categories? 3. If the answer to #1 is that they must be the same, then is the only use of the UserContext attribute to allow the producer to throw an AccessDenied Fault? Will passing all user categories avoid this? Essentially, I'm trying to understand the intended use of getPortletDescription() and if it can be used as an optimization to update portlet meta data without having to retrieve the full service description. Thanks for the information. Scott
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Tara Swords is communications professional and executive coach based in Chicago where she helps businesses, organizations, candidates and individuals tell the stories that matter to their customers, stakeholders, and constituents. She is the Chief Content Officer of Rise Strategy Group.
Tara Swords has been a guest on 1 episode.
Episode 31: In the Candidate's Corner, with Special Guest Tara Swords
April 12th, 2019 | 48 mins 27 secs
2020 democratic primary, bernie sanders, beto o'rourke, communications, debates, donald trump, elections, empathy, executive coach, hillary clinton, joe biden, persuasion, politics, speeches
Who teaches a candidate to speak to the subconscious? How do politicians learn to be more persuasive and likable? Is there a method you can use to adopt these qualities in your own everyday life? In this fascinating episode we speak with Tara Swords, executive coach and communications consultant about how she trains politicians to speak subliminally correct!


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Is Nov a good time to visit turkey?Wat itinerary wud u suggest for a pregnant couple, relaxed n easy access to good docs/hosp in case reqd?
3 Answers
You don't say where in Turkey you plan on visiting, or for how long, or how far along in the pregnancy you are... November is usually a pretty quiet month to visit. Temperatures will vary between the Aegean coast (mild), Mediterranean (warm), interior (getting cold), and Istanbul (mild and wet). Most people bus around Turkey, which I can definitely NOT recommend if you are pregnant! I'd say stay and explore Istanbul, then maybe fly down to the Mediterranean. There's beaches and sun, and plenty of ancient ruins if you want to explore. As for hospitals, that wouldn't be a problem in Istanbul, and if you stuck close to the expat havens on the Med coast (Marmaris, Bodrum, Antalya). about 9 years agoAnswered by Jules via WorldNomads.com
November is not the best period to visit Turkey. However depending on the weahter you can have several sunny days. Where you want to go. According to me, the best destination for this time of the year is Istanbul.If the weather is not good, you can make a sightseeing tour or visit the grand shopping centers. There are numerous companies such as http://www.arpanutravel.com/, which can arrange for you accommodation and additional tours, as well as transportation if you need. Don't miss to make a Bosphorus Boat Cruise. This is unforgettable experience. about 9 years agoAnswered by Hitrooms via Travellr.com
Thank u guys for the answers, was quite helpful. about 9 years agoAnswered by Saumya Khona via Ask a Nomad iPad app


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8 Color Motion Sensing Toilet Light
$9.99In Stock
Never use the restroom blindly again! The 8 Color Motion Sensing Toilet Light will help you find your way in the dark when you need it most.
- Motion sensing light turns on when it sees you coming
- 8 different colors you can pick from or have them randomly selected
- Energy-saving and useful
- Flexible bending design makes it easy to install on any toilet
- Easy to clean
We've all been there, stumbling to the bathroom in the middle of the night trying not to wake up everyone in the household just because you have to go. This product was made to be convenient for you! It's great for large families or houseguests. It helps you save energy by not having to turn on the bathroom light and therefore helping you easily get back to sleep when you return. It's water resistant design is made a very durable material that's easy to install and clean. You can choose from having it stay on your favorite color or it will randomly switch to green, yellow, blue, purple, red, pink, white, or teal. It's a great way to make the necessities easy to find even in the dark.
Additional information
|Light Source
|Light Color
8 colors
|Power Supply
3*AAA Batteries (Not Included)
|Sense Distance
2 meters
There are no reviews yet.


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Given that so many of us spend so much time in our vehicles, it stands to reason that we should all carry some basic maintenance and survival/safety gear. I think our cars offer us a false safety/haven… We know they will keep us dry and warm and we often go out in them with inappropriate clothing etc. If you break down 10 miles from home in the middle of winter without the right clothing, you could be in big trouble.
It's not just about the clothing though, I think everyone should pack a small kit in their car in case of break down or emergency – simple things like a few blankets, a flashlight and some snacks and water can make all the difference. Check out the link below for a list of 30 essential things you should have in your car all year round. Don't leave it to chance!
30 Essentials To Keep In your Car


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- "He reached out to an arms dealer I had on a watch list. He's got two priors and wants to avoid a third, which is a problem because we just caught him with 10,000 rounds of military-grade ammo."
"Jack DeLeon. Yeah, I heard about it."
"Castle is the buyer. I guess he needs bullets for all those guns he stole from the Greeks."
- ―Dinah Madani and Sam Stein[src]
Jack DeLeon is the weapon dealer actives in New York City.


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OLIMP CARBO-NOX - 3500 g
- Print
- View full size
The successor of Olimp Carbo® - the best carbohydrate product over the last dozen or so years. Even better enriched composition!
By buying this product you can collect up to 3 loyalty points. Your cart will total 3 points that can be converted into a voucher of 1,50 €.


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VW Brothers – Muziek
There's nothing like a good VW to get the day going. In this case, "VW" is for the VW Brothers, drummer Paul and bassist Marc van Wageningen.
After years of sharing their talents with a wide array of talents, from Tower of Power to Sheila E., and from George Duke to Paquito D'Rivera, the brothers now emerge with their first project as leaders Muziek on Patois Records.
Accompanying them is a variable lineup of horn players, pianists, vocalists and string musicians. Among them are guitarist Ray Obiedo, trombonist Wayne Wallace and Sheila E.
"Simone" has a Latin vibe, thanks to percussionist Michael Spiro. The song also is flavored with a "Weather Report meets Yellowjackets" type of fusion, largely due to the playing of the brothers, aided by the bass clarinet of Harvey Wainapel and the keyboards of David K. Mathews.


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For these terrific sandwiches, Julianne Jones uses asparagus both raw (shaved into long, thin strips) and roasted. What also makes these sandwiches distinct is aged goat cheese (not fresh), which adds a richer flavor.
Slideshow: Sandwich Recipes
Recipe from Food & Wine America's Greatest New Cooks
How to Make It
Preheat the oven to 400°. On a baking sheet, toss half of the asparagus with 2 teaspoons of the olive oil and season with salt and pepper. Roast for 10 to 12 minutes, until tender and charred in spots. Let the asparagus cool.
Meanwhile, using a vegetable peeler, shave the remaining asparagus into long, thin strips. In a medium bowl, toss the shaved asparagus with the lemon juice and season with salt and pepper. In another medium bowl, toss the mesclun and mint with the red wine vinegar and the remaining 1 1/2 tablespoons of olive oil; season with salt and pepper.
Mound the roasted asparagus, goat cheese, shaved asparagus, mesclun mix and avocado on the baguettes and serve the sandwiches right away.


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ORILLIA – Members of the Ontario Provincial Police (OPP) Anti-Rackets Branch, Canadian Anti-Fraud Centre (CAFC) and Ontario's Serious Fraud Office (SFO) are warning Ontario residents to check their emails, phone messages and computer popups. All are tools that criminals can use to extort money and personal information from you.
Phishing, ransom and service scams have the same basic goal. Typically, individuals make contact with you through your computer or via text message to tell you that you have "won a prize" or that you owe a sum of money. Some con artists will claim that they can provide telecommunications, internet, financial, medical and energy services for special or preferred rates. Although 95 per cent of the crimes go unreported, phishing, ransom and service scams cost victims approximately $15 million across Canada; approximately $7 million in Ontario. According to the Canadian Anti-Fraud Centre approximately 6,000 people fell victim to these scams in 2018.
Investigators find two commonly used scams. In one version, the victim receives an email or someone calls pretending to represent a well-known computer-based company, and claims that the victim's computer is sending out viruses or has been hacked. The scammer will request to gain remote access to the computer and may run some programs or change some settings. The scammer will then advise that a fee is required for the service and request credit card information. In some cases, the scammer will send a transfer from the victim's computer through a money service. The end result is that the victim pays for a service that was never needed as the computer was never infected.
The SFO indicates a more surreptitious, large scale phishing and ransom scam is in circulation. Malware-infected emails were opened by employees of a large retail store that unintentionally launched a phishing attack, allowing hackers to steal the vendor's credentials. Once the vendor information was successfully obtained, the company's customer database was exploited, exposing millions of clients, including customer's names, mailing addresses and other personal information. The data breach revealed millions of customers' credit and debit card information. In the end, the company estimated that the data breach caused a multi-million dollar loss.
Tips to prevent scams
If a victim was using a computer when they got scammed, it is possible that a virus or other malicious software is still on the computer. Police advise a full anti-virus check using reliable security software should be run. Anyone who does not have security software (such as virus scanners and a firewall) installed on their computer, can get help from a reputable computer professional.
Scammers may have also gained access to online passwords. Victims are advised to change these using a secure computer.
If a victim has paid someone by credit card or through an electronic funds transfer (e-transfer), they should contact their financial institution or credit card company immediately. They may be able to reverse or stop the transaction.
Anyone who suspects they've been a victim of a phishing, ransom or service scam, or knows someone who has been a victim, is urged to contact their local police service and the Canadian Anti-Fraud Centre by phone at 1-888-495-8501 or through their website.
"Recognize fraud. Reject it and report it," police urge.