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A resume is the most critical document for a job seeker. Before sending a resume to apply for a musician position, make sure it is well crafted in a logical manner highlighting your relevant qualifications and experiences.
Resume writing standards keep changing quickly. Go through the following tips to make sure the resume you send is up to date with contemporary resume writing standards.
- Find out what attributes the prospective employer is seeking in the ideal candidate.
- Use a proper job title in your resume summary statement. This is your formal professional introduction. Let the reader instantly know what you are qualified to do.
- Professional skills or core competencies have to be phrased very smartly. Use industry-specific keywords to portray a powerful image. Employers need to know that you fully understand the music industry.
Below are 2 resume samples of a musician to guide you further.
Musician Resume Sample 1
Francis Gulliver
340 Victory Lane ~ Toledo, OH 87002
(000) 444-3333
Highly innovative and successful professional with strong expertise in the art of composing original, thematic music and playing covers for live audiences. Master in providing background music for ballets and theatrical performances. Effective skills in directing, planning, and leading musical shows. Strong ability to deliver engaging solo singing performances. Extensive experience in synchronized singing and instrument playing with musical orchestras.
♪ Live Music Shows
♪ Choir/Band Auditioning
♪ Gig Booking
♪ Piano
♪ Guitar
♪ Drums
♪ Talent Sharpening
♪ Background Mixing
♪ Thematic Composition
♪ Choir Leading
♪ Cover Singing
♪ Solo Vocals
• Composed, recorded, and vocalized five original jingles for TV advertisements at the American TV studios, OH.
• Improvised a college-based choir performance with 20+ singers and players successfully at short notice of 2 hours.
• Raised up to $ 14000 for charity purposes through a 3-hour concert comprising of a live cover and original performances.
• Played Beethoven's Symphony # 5 Pastoral at The repertoire Theatre, Toledo, Ohio, for an international audience – the performance was highly commended.
INTERNATIONAL ARTS THEATRE, Toledo, OH
Musician | 6/2016 – Present
• Arrange and coordinate small and large music shows
• Supervise and mentor singing bands, orchestras, and student choirs for musical performances
• Compose thematic musical pieces for special events
• Play instruments and sing covers during live musical performances
HYATT GROUP, Toledo, OH
Music Jockey/ Playback Singer | 3/2009 – 6/2016
• Mixed background music for events including weddings
• Delivered playback vocals in ballet and other dance performances
• Maintained all musical instruments and equipment in functional order
A.A, Liberal Arts
THE COLLEGE OF ARTS, Toledo, OH
• International Association of Musicians (IAM)
• American Society for Music and Dance (ASMD)
Musician Resume Sample 2
Phoebe Atkins
99 S Warner Avenue, Perry, FL 10283
(000) 524-9659
Keen knowledge of jazz and rock music genres with a special interest in improvisation and fusion of different musical types. Instruments of choice include piano, guitars, and drums. Highly knowledgeable of composing and writing lyrics
♫ Conducted a series of instrumental music education workshops for the Eastman School of Music at Rochester, NY
♫ Received an award for improvising on Beethovan's Symphonies as a tribute to the great musician in a concert marking Beethovan's anniversary
♫ Secured an on-call position with Eastman School of Music for all classical musical projects following excellence in providing classical music educational information
♫ Awarded the Marcia Brown Memorial Scholarship to study music in Berkley Music College
New York Youth Symphony, New York, NY | 2013-present
♪ Arrange music for and record the Jazz Ensemble performed by the Jazzers at the Florida Studio Inc. on a fortnightly basis
♪ Play bass for the New York Symphony Orchestra
♪ Coach with the Cleveland Quartet for performances in Kilbourn Hall
♪ Play the lead trombone for Eastman Chamber Rock Ensemble
Music Teacher
Eastman School of Music, Perry, FL | 2007-2013
♪ Taught music theory to students aged 6 to 16
♪ Assisted students in choosing and playing an instrument of choice
♪ Provided assistance to students in reading and interpreting musical notes
♪ Handled students' vocal training needs by designing and implementing individually placed lessons
♪ Served as a conductor for high school concerts
♫ Improvisation and fusion
♫ Instrumental musical education
♫ Music learning theory
♫ MIDI (music technology)
Masters of Arts
Eastman School of Music, Rochester, NY
Major: Music Education


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Shrimp and scallops sautéed with zucchini, broccoli, onions, peppers, and baby corn. Full-flavored and not as spicy as you think.
(2) Separate dishes. Jumbo shrimp in a chef's special chili sauce, and lightly battered chicken in a slightly sweet and spicy sauce. Your choice of rice.
Combination of jumbo shrimp in a Hunan red chili sauce, and chicken with a variety of vegetables in a Hunan black bean sauce. Your choice of rice.
Surf and turf dish. Combination of chicken, beef, scallops, imitation crabmeat, and shrimp served with a special blend of Chinese vegetables in traditional brown sauce. Your choice of rice.
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Seared scallops with fresh mangoes and asparagus.
Prepared w/ beaten eggs & various vegetables, known as Chinese omelet, served with brown gravy sauce on the side
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subset: commoncrawl


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Last week in Tiger Mask W, we saw our titular hero turn his back on New Japan Pro Wrestling and sign a deal with GWM. When promised a title shot against The Third, the man responsible for crippling his mentor Daisuke Fujii and his friend Takuma (Tiger the Dark), he turned to the dark side. A group of wrestlers known as the Miracles have been sent by GWM to invade NJPW and Tiger Mask has been forced to stand alongside them. We've got ourselves an invasion angle! Before we get into this week's episode, don't forget that you can watch every episode of Tiger Mask W over at Crunchyroll and if you want to find the rest of my recaps, you can do that here.
Tiger Mask W Episode 28 Recap: The Yellow Demon
"Get stomped like a snake
Lie down in the dirt
Cling to my convictions
Even when I get hurt"
When the episode begins, we're at Takaoka Motors where Kentaro is chastising Naoto for his choice to align himself with GWM, the very institution that he's trying to take down. He wonders if Naoto's devotion to revenge has clouded his judgment. Like any good, rebellious teen, Naoto throws Kentaro's own hypocrisy in his face, pointing out that both Kentaro and the original Tiger Mask came from the Tiger's Den (the institution running GWM from behind the scenes). Naoto's cell phone rings and he leaves the discussion, knowing that neither man will change their mind. Already understanding this, Haruna didn't even try to interject herself into the argument, instead choosing to eat ice cream and watch the show. Suddenly, she becomes the most relatable character in the series. She advises Kentaro to let Naoto do what he wants for a while. In his current state of mind, he won't listen to anybody else.
When Naoto gets outside, he sees that he's getting a call from Daisuke-San. Fully expecting to get scolded by his trainer, Naoto is surprised to hear Takuma's voice on the other end of the phone. Takuma insists that Naoto comes to visit him in the rehab facility. It's interesting how different Takuma seems now that he's been stripped of the Tiger the Dark identity. His past gruffness is gone and his voice sounds like a weight has been taken off of his shoulders. For the first time in a while, Takuma has the chance to make plans with a friend.
Over at the New Japan offices, the topic of discussion is about how Tiger Mask has become the talk of the wrestling world. Yuji Nagata doesn't like anything that's going on with the Miracles, but he has to keep booking them because of how much buzz they're getting New Japan. What Nagata doesn't realize is that his attempts to beat GWM by outdrawing them is allowing them right into his home. He gathers together Okada, Tanahashi, and Naito to get them to put up a unified front against the invaders. Tanahashi and Okada are all for it, but Naito (who was late to the meeting) says that he and LIJ have to go to Mexico to fight off invaders in (presumably) CMLL.
As Nagata fumes over Naito's uncontrollability, we see Naoto (and his awful shoes) sneak in the backdoor to visit Takuma. His shame over joining up with GWM won't allow him to face Takuma. Something that Takuma shares with his father is a love of pudding, so Naoto made sure to bring some with him on the visit. The two friends catch each other up on what they've been doing for the past three years and how they transformed from Naoto and Takuma to Tiger Mask and Tiger the Dark. Takuma attempts to tell Naoto about the mistake he's made, but Naoto refuses to listen to him too. When Naoto leaves, Daisuke tells his son that he's spent enough time sitting around, now it's time to begin rehab if he ever wants to get back in the ring.
Cool advice, dad. #TigerMaskW pic.twitter.com/8XQRTy7kvT
— Kelly Harrass (@comicgeekelly) April 24, 2017
The trend of Haruna eating snacks while unenthusiasticly listening to Naoto's problems continues. Naoto insists on going to the New Japan show without her because he's not sure how the crowd will react now that he's a heel. It's worth pointing out that the show referred to him as a heel many times over the course of the episode. As of the day of this writing, there was a lot of talk on Twitter today about how non-wrestlers shouldn't use "industry terms," but here's a children's cartoon throwing them around. Take that how you will.
"Drift down into the new dark light
Without any reservations
You found my breaking point
Tiger Mask makes his first appearance alongside the Miracles at the first night of New Japan's Big Dream tour in Kourakuen Hall.
The Miracles and Tiger Mask vs. Hiroshi Tanahashi, Yuji Nagata, Tomoaki Honma, and Tomohiro Ishii
Showing the new feeling of unity in New Japan, we have CHAOS' Ishii joining up with the New Japan Army for this match. Ishii and Tiger Mask start off the match. While commentary refers to Naoto as Tiger the Traitor, he plays fairly in the early goings. The worst we get is an illegal tag team combo with Miracle I. Things seem pretty evenly matched, but the tide turns when Miracle I hits an avalanche Miraclerana on Honma, which is then followed up with a chair assisted frog splash from Miracle II. As the rest of the heels play defense, Miracle I pins Honma and scores the three count. **
"Spent too much of my life now trying to play fair
Throw my better self overboard, shoot at him when he comes up for air"
Things don't stop when the bell rings though. Miracle I holds up Honma while Miracle II hands Tiger Mask a chair, wanting him to prove his loyalty to GWM. After a split second of indecision, Tiger smashes the chair over Honma's head. At home, Haruna is shocked by Naoto's heel tactics as he begins to tee off with the chair on Nagata. At the GWM medical office, Ruriko looks disgusted by the actions of her friend.
"President of the fan club up there
Choking on his tears
Let all the trash rain down
From way up in the rafters
I'm walking out of here in one piece
Don't care what comes after"
At the next New Japan show, The Miracles and Tiger Mask take on another foursome of New Japan wrestlers. Ishii takes the brunt of the attacks this time around. The crowd has totally turned on Tiger Mask, screaming properly mean things at him. In the upper deck of Kourakuen, Hikari Kurama and another journalist talk about Tiger Mask's new heel actions. Hikari calls him the new Yellow Demon, a title that we'll see pop up later on a wrestling newspaper. The name seems to be important, but a quick bit of research didn't turn up any results so I'm thinking that actually might not be a reference to something from a previous Tiger Mask series like I first assumed it was. The match comes to a close when Ishii falls to the Miraclerana/chair assisted frog splash combo.
The next day, Ruriko sits in a café when she receives a phone call from Daisuke Fujii. He asks her for help with something that we don't initially hear, but we soon see that she has apparently left her job at GWM to come back as a rehab nurse. It didn't seem to take much convincing to get Ruriko to come help Takuma get back up to fighting strength. It makes sense though when you remember that Tiger Mask is the entire reason why Ruriko took the job at GWM. She was already thinking of leaving the job behind after Takuma was injured. Now that Tiger Mask has turned evil, she has no reason to stay at this company. Plus by helping with Takuma's rehab, she has an opportunity to right the wrong she made when she allowed Takuma to wrestle while he was already injured.
The Miracles and Tiger Mask vs. Hiroshi Tanahashi, Yuji Nagata, Gedo, and Kazuchika Okada
The war continues on the third show of the tour. This time, Okada and Gedo team up with Tanahashi and Nagata to face off with the invaders. They'll be out to avenge the injured Ishii after last match. Nagata starts off with Tiger Mask, kicking him hard in the leg and vowing not to lose. It doesn't take long for the match to devolve into a huge brawl. Tiger Mask and Tanahashi exchange brutal forearm strikes outside the ring while Gedo is worked over in the ring. Miracle II hits Gedo with a Styles Clash and picks up the win for his team. **
"Drive the wedge
Torch the bridge
I don't want to die in here
I don't want to die in here"
After the match, Miracle I starts yelling about how they'll continue to multiple again. When Nagata call him out on saying that over and over with nothing happening, Miracle IV steps through the entranceway. With the heel group having five members now, Nagata make a big challenge. At the final show of this tour it will be the Miracles and Tiger Mask taking on New Japan in a five on five elimination match. As his partners jaw in the ring with the New Japan wrestlers, Tiger Mask takes his leave. In this situation, he's truly a mercenary. This isn't Naoto's war, he's just a gun for hire.
If you're wondering where the song lyrics I've been sprinkling through the review are from, you can hear them in Heel Turn 2 by the Mountain Goats. This episode made me think of this song almost instantly, but I didn't realize until I was relistening to it how much the lyrics mirror the plot. Naoto tried doing things his way for so long, but he thinks that he can only get what he wants by going to the dark side. It's rare that we get to see the psychology of a heel turn explored well and here we have an example of it happening outside of the wrestling ring. Tiger Mask W has been fantastic as of late. The matches this week may not have been very good, but the story around them is top notch. Also great is the Mountain Goats' album, Beat the Champ. The concept album is all about the southwest territory days and is the best music about wrestling for my money.
Isn't it great when everything that you get to talk about is good?! Hopefully the quality train keeps on rolling. Talk to you all next week!


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MPF Announcement 2019-60
MPF Xtra Servicing Guide Updates
Effective Date: Immediately
On November 13, 2019 Fannie Mae issued Servicing Guide Announcement SVC-2019-07 which covered the below referenced topics that are applicable to loans sold under the MPF Xtra product:
- Updated requirements related to canceling property insurance and flood insurance, if applicable when the property is acquired.
Servicers are encouraged to implement these policy changes immediately, but must do so by February 1, 2020.
Other topics mentioned in the Fannie Mae announcement do not apply to MPF Xtra. To gain a full understanding of these topics, PFIs should review the entire Fannie Mae Announcements on the following pages, and any applicable Fannie Mae Servicing Guide chapters, forms, or exhibits noted in the announcements.
- References:
- MPF Announcement 2019-60


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To maintain your output in the age of constant and fluid innovation, you need to be able to rely on your business data. Often, when our financial teams focus on the bottom line and overall profit of our business without analytics or modelling capabilities, we do not have the numbers on our side
How do you ensure that your Business Intelligence is, in fact, feeding your Corporate IQ?
Data infuses intelligence into every business.
It empowers business leaders and helps them make timely decisions, which in turn fuels growth and enables organizations to have a competitive advantage. As the benefits of making data-driven decisions and gaining meaningful insights from data become clearer, nearly every business leader today is looking for an analytics solution. They need solutions that can quickly churn massive data sets into meaningful and trustworthy insights.
WW Product Marketing Manager – Unified Governance and Integration, IBM
The quote above gives us a solid place to begin: intelligent businesses use trusted data to give actionable insights.
We've discussed this in detail before: Our complement of BI software and expert consultants gives you an edge in your business, by relying on the rock-solid data and information that helps your business to focus on what's important.
We drive, monitor, and enhance Corporate IQ by:
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In order to improve your processes and collaborate across your organisation to keep up with the rate of change in your industry, you need innovation, but you also need a stable, trusted base off which to base your decisions.
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A recent article by business columnist Eduardo Porter in the "New York Times" was titled "Americanized Labor Policy Is Spreading in Europe."
This is what the "Americanization of labor policy" means:
"In 2008, 1.9 million Portuguese workers in the private sector were covered by collective bargaining agreements. Last year, the number was down to 300,000.
"Spain has eased restrictions on collective layoffs and unfair dismissal, and softened limits on extending temporary work, allowing workers to be kept on fixed-term contracts for up to four years. Ireland and Portugal have frozen the minimum wage, while Greece has cut it by nearly a fourth. This is what is known in Europe as "internal devaluation."
"Tethered to the euro and thus unable to devalue their currency to help make their goods less expensive in export markets, many European countries — especially those along the Continent's southern rim that have been hammered by the financial crisis — have been furiously dismantling workplace protections in a bid to reduce the cost of labor."
Cutting back on workplace protections is sure to increase income inequality while shrinking the middle class.
Porter writes that "These policy moves are radically changing the nature of Europe's society."
"The speed of change has certainly been very fast," said Raymond Torres, the chief economist of the International Labor Organization in Geneva. "As far as I can tell, these are the most significant changes since World War II."
"While most of the debate over Europe's response to the financial crisis has focused on the budget austerity enveloping the Continent, the comparatively unheralded erosion of worker protection is likely to have at least as big and lasting an impact on Europe's social contract.
"It has a disastrous effect on social cohesion and a tremendous effect on inequality," argued Jean-Paul Fitoussi, an economics professor at the Institut d'Études Politiques de Paris. "Well-being has fallen all across Europe. One symptom is the rise of extremist political parties."
"Europe's strategy offers a test of the role played by labor market institutions — from unions to the minimum wage — in moderating the soaring income inequality that has become one of the hallmarks of our era.
"Inequality across much of Europe has widened, but it is still quite modest when compared with the vast income gap in the United States.
"The question is whether relative equity can hold as workplace institutions that for decades protected European employees' standard of living give way to a more lightly regulated, American-style approach, where the government hardly interferes in the job market and organized labor has little say."
This is a model that will ill-serve Europe and which should shame our political and economic leaders. Translated, it means that the rich get richer, the middle class shrinks, and the poor feel hopeless.
The 1% say that charter schools and Teach for America will close the gap that their policies created. They know it isn't true, but it changes the subject enough to allow them to keep enlarging their share of the pie.


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Toronto is getting a Christmas dive bar covered in holiday lights
There are plenty of holiday-themed events and attractions in Toronto to keep you busy this holiday season, and now there's a new one to add to your list.
Jack Astor's is launching their first ever Christmas dive bar pop-up at their Front St. location, and it officially opens to the public on Friday, December 20.
The pop-up is offering Christmas-themed drinks such as eggnog and rum, and you'll also be able to take shots of Fireball beside the on-site firepit.
The festive bar will also be decorated in more than 500 feet of lights, reindeer busts and a colourful Christmas tree.
On top of that, anyone can donate unwanted holiday decorations or gifts — no matter how junky or hideous they may be — and Jack Astor's will put them up in the bar.
And let's be honest, we all have at least some holiday junk stashed away at home that we've been meaning to get rid of.
The Christmas-themed bar will be open every Wednesday to Saturday from 5 p.m. to close until further notice, meaning it'll likely remain open way past December 25 and into 2020.
Jack Astor's
Join the conversation Load comments


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2021 BioCanRx Summer Studentships
BioCanRx Summer Studentships provide funding for undergraduate and college students to gain work experience in the Canadian cancer and cancer biotherapeutics research sector. These funding opportunities are available via two programs. For more details on each program, please click below.
Note – at the time of the application deadline, students must have found an investigator to work with.
Summer Studentship Program
Indigenous Summer Studentship Program


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Technology is growing every day, and as it grows, it transforms our digital world. Internet use is increasing exponentially, making us correspondingly more vulnerable to cyber-attacks. By learning how cybercriminals attack and how to secure our systems and data against those attacks, you will be able to minimize the risk of data breaches and the devastation they bring with them.
Computer security deals with the protection of computer systems and information from harm, theft, and unauthorized use. The main reason users get attacked frequently is that they lack adequate defenses to keep out intruders, and cybercriminals are quick to exploit such weaknesses. Computer security ensures the confidentiality, integrity, and availability of your computers and their stored data.
The following topics will be covered in this computer security article:
- Why do users get attacked?
- Types of attacks
- What to secure?
- How do you secure your computer?
Before we learn about computer security, let us understand why users get attacked.
Why Do Users Get Attacked?
Before getting into how to secure data from breaches, we must try to understand the motives behind these attacks. By knowing the motives behind the attacks, it's easy for cybersecurity professionals to secure the systems. The main motives for attacking an organization's or individual's computer are:
- Disrupting a business' continuity: If a business is disrupted, it causes great harm to the organization in the form of lost profits, fraud, and damage to its reputation.
- Information theft and manipulating data: Hackers take confidential information that they steal from organizations and sell it to individuals or groups on the black market.
- Creating chaos and fear by disrupting critical infrastructure: Cyber terrorists attack a company or a government body to disrupt their services, doing damage that can potentially affect an entire nation.
- Financial loss to the target: Hackers attack an organization or business and disrupt their services in such a way that the target has to allocate substantial funds to repair the damage.
- Achieving a state's military objectives: Rival nations continuously keep an eye on each other and sometimes employ cybercriminal tactics to steal military secrets.
- Demanding ransom: The hackers employ ransomware to block a website or servers, releasing control only after a ransom is paid.
- Damaging the reputation of target: The hacker may have personal reasons to attack an organization or individual so that their reputation suffers.
- Propagating religious or political beliefs: Hackers may infiltrate websites to promote religious dogma or a certain political agenda, usually to sway voters to vote a certain way.
Also Read: How to Become a Cybersecurity Engineer?
We will next look at the types of attacks before understanding all about computer security.
Types of Attacks
There are many kinds of attacks available to the dedicated hacker. These are among the most famous and frequent types of attacks.
1. Denial of service (DDoS):
This is an attack used to restrict the user's access to the system resources by flooding the server with useless traffic. The botmaster commands all the bots to access a resource at the same time so that the resource gets hopelessly jammed up. Then, if a legitimate user wants to access that same resource, they will not be able to do so. This is illustrated below:
Fig: Denial of service illustration
2. Malware attack:
This is a malicious program that disrupts or damages the computer. There are four main types of malware:
- Keylogger: Keylogger records all the hits on the targeted keyboard. Most hackers use it to get passwords and account details.
- Virus: A computer virus is a malicious code that replicates by copying itself to another program or document and changes how a computer works. The virus, such as the Melissa virus, requires someone to knowingly or unknowingly spread the infection without the knowledge or permission of a user or system administrator.
- Worms: This is a standalone program that runs independently and infects the system. One of the more popular examples is W32.Alcra.F. The worm propagates itself through network share devices.
- Trojan horse: This is a malicious code that takes over your computer. This code can damage or steal information from your computer.
3. Man in the middle:
Say, for example, you want to do an online transaction. You connect to your bank and conduct the payment. Simple, right? This is illustrated in the below image:
Fig: Man in the middle attack (1)
Now, while you are doing a transaction, you have to enter the details of your card and the PIN. The cyber attacker spoofs you and monitors your transaction. As soon as you enter your details, he will have access to all of that information, as shown in the below image:
Fig: Man in the middle attack (2)
Also Read: Why is Cybersecurity Important in 2022?
4. Phishing:
The attacker sends bait, often in the form of an email. It encourages people to share their details. For example, you get an email like this:
If someone is a customer of ABC bank, he would probably open the link and enter the details. But these kinds of emails are always phishing. Banks do not send emails like this.
5. Eavesdropping:
Attacker observes traffic on your system and the work you are doing. The attacker can monitor you in three ways:
- Email monitoring
- Which websites you visit
- What items you download
6. SQL injection:
As the name suggests, an SQL injection vulnerability allows an attacker to inject malicious input into a SQL statement. This type of attack happens only on websites. The best example would be www.facebook.com. There is a database stored on the Facebook website. The hackers get into that database and sign in using someone else's username and password.
7. Password attack:
To crack a password or find a password, hackers employ the following techniques:
- Dictionary attack: In this method, they handle every password that is possible through the dictionary
- Brute force: It is a trial and error method used to decode the password or data. This attack takes the most amount of time.
- Keylogger: As the name suggests, keylogger records all the hits on the keyboard. Most people use it to get passwords and account details
- Shoulder surfing: The attackers observe the user's keyboard by looking over the user's shoulder.
- Rainbow table: There are rainbow tables that contain precomputed hash values. Attackers use this table to find the user's password.
8. Social engineering:
Attackers create social situations that encourage you to share your password. For example, let's say that you are out of your office, and you get a call. The person says that he is from the IT department and they have found out that your system has been compromised. He asks you to share your password. You might believe him and share your password. However, the caller was, in fact, a hacker, and how he has your password. Now that he has access, he can compromise your organization's data. The best way to avoid the effects of social engineering is to learn your organization's protocol regarding password sharing.
So now that we have the why's and the how's let's explore the what's - Of computer security.
What to Secure?
The security of any organization starts with three principles: confidentiality, integrity, and availability. This is called CIA (no relation to the American spy organization!). CIA has served as the industry standard for computer security since the advent of the first mainframes.
Fig: CIA triad
- Confidentiality: The principles of confidentiality assert that information and functions can be accessed only by authorized parties. Example: military secrets.
- Integrity: The principles of integrity assert that information and functions can be added, altered, or removed only by authorized people and means. Example: incorrect data entered by a user in the database.
- Availability: The principles of availability assert that systems, functions, and data must be available on-demand according to agreed-upon parameters based on levels of service.
We've covered the why's, how's, and what's. Now let's put that information into action and get a better understanding of computer security.
How Do You Secure Your Computer?
1. Two-way authentication
Two-factor authentication adds a layer of security to the authentication process by making it harder for attackers to gain access to a person's devices or online accounts. For example, when you make online payments, you first have to confirm your card's cvv number, then you undergo a second confirmation by providing your mobile number.
2. Secure passwords
Create strong passwords so that no one will be able to hack or guess your password. The best passwords include:
- At least 15 characters.
- Capital letters.
- Special characters. Example: @#$%.
- Numbers.
3. Regular updates
Always keep your system and all its software updated. Many updates contain additional defenses against cyber attacks.
4. Antivirus
Antivirus is a computer program used to prevent, detect, and remove malware. Examples of antivirus include Norton, Quickheal, and McAfee.
5. Firewalls
Firewalls prevent unauthorized Internet users from accessing private networks connected to the Internet, especially intranets.
6. Anti-Phishing Tactics
When you get an email that looks suspicious or has no relation to you, then do the following:
- Do not click on the link in the email.
- Do not provide any personal details if asked.
- Do not open the attached files.
7. Encryption
This is the process of converting ordinary plain text into unintelligible text and vice-versa. Encryption is used in many applications like:
- Banking transactions.
- Computer passwords.
- E-commerce transactions.
Unfortunately, cybercrime is increasing daily, so it's imperative to have a solid grasp of the best cybersecurity practices. While the internet is transforming and improving our lives, the vast network and its associated technologies have become a lucrative hunting ground for a growing number of cybercriminals, agents from which individuals and businesses must protect themselves.
The consequences of these attacks can range from the ruin of a business to the crashing of a national economy. Confidential or sensitive data can be lost, privacy violated, and reputations ruined. Your computer could even be used by a hacker to attack other computers, which in turn could send the authorities looking for you!
If you'd like to learn more about cybersecurity, check out Simplilearn's Introduction to cybersecurity Course for cybersecurity Beginners. The course is designed to give you a foundational look at today's cybersecurity landscape and provide you with the tools to evaluate and manage security protocols in information processing systems.
If you're already proficient with the basics, consider Simplilearn's Advanced Executive Program In Cybersecurity or the Cybersecurity Expert Master's program. This program will equip you with the skills needed to become an expert in this rapidly growing domain. You will learn comprehensive approaches to protecting your infrastructure, including securing data and information, running risk analysis and mitigation, architecting cloud-based security, achieving compliance, and much more with this best-in-class program.
Not only do these courses empower you with greater cybersecurity skills, but they can also be the foundation for a whole new career! Check out Simplilearn today, and get started.


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November 6, 2019
Scripture Ephesians 1:8b-12
In Christ we have also obtained an inheritance, having been destined according to the purpose of him who accomplishes all things according to his counsel and will, so that we, who were the first to set our hope on Christ, might live for the praise of his glory.
Ephesians 1:11-12 NRSV
The writer of Ephesians is summarizing the foundation of the Christian faith. The new believers coming to the faith in the early church understood that Palestine and Jerusalem at the time of Jesus had plenty of religious people. But, unlike Jesus the scribes and Pharisees placed their emphasis on the appearance of piety and the strict observance of the laws of Moses. But, Jesus pointed out that they did this at the expense of withholding mercy and love. As a result, the common people were ignored and were suffering every day.
Emphasizing grace and mercy, Jesus healed them and encouraged them, helping them grow in wisdom and faith. Jesus kept a long view of love and demonstrated this to his followers. While appeasing and pleasing God remained important, the ministry of Jesus was tied to sincerity and truth instead of ceremony and rules. As the writer of Ephesians tells us so plainly, God sent Jesus into the world so that we might understand "the mystery of his will, according to his good pleasure that he set forth in Christ…." (Ephesians 1:9 NRSV) Jesus was unlike any person who had come before. He was more than a prophet and more than a rabbi or teacher. He was the Son of God.
Nearly everyone understood that Jesus was sincere in his ministry. As a result, Jesus took the long view in his teachings. In fact, he was so effective that we continue to teach his lessons through the Gospels and work continually to live up to his thoughtful, deep, and transforming message of love and hope for all humankind. As a result of our faith in God through Jesus Christ, we can center our life in Christ and, like him, also take on that long view, as a living witness to God. In confidence, we can face the world unafraid, because Christ has gone before us and assures us of salvation through faith. As our Creator and Sustainer, God guides us in all that we undertake. When we live in Christ, all of this comes together and makes each of us more than we could possibly be, or become, on our own.
Thanks be to God who makes all of this our goal and our reality- in Christ.
Stan Reid


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- Examine how the #MeToo movement began with workplace conversations about sexual harassment and evolved to include inappropriate behavior
- Revisit how the movement started and why businesses must operate differently
- Learn the importance of trusting your intuition to stay ahead of a crisis
- Discuss strategies and solutions for how to navigate and elevate your organization's culture during challenging times
- Avoid the pitfalls associated with doing nothing
Cindy Carlisle
VP Human Resources, Commercial Operations
As Vice President of Roche Diagnostics Corporation, Cindy Carlisle is the Human Resources leader of the North America region for the Diagnostics division of Roche, headquartered in Basel, Switzerland. She is also a member of the Roche global Human Resources Diagnostics Leadership Team. Cindy's focus is to create a unique culture that fosters accountability and innovation coupled with an unwavering commitment to customers and the patients they serve. This commitment is visible in Roche Diagnostics' cultural beliefs and through the company's involvement in efforts to enhance people's health and quality of life in the community. Known for developing and executing creative corporate strategies and for leadership development, Cindy is an imaginative problem solver with the ability to build an inclusive team environment while encouraging talent. Her goal is to empower others to reach their full potential by helping them gain awareness of the capabilities they possess. Cindy is a member of the CEO's leadership team, the North America Diagnostics Executive Committee, where she works directly with the CEO and other senior leaders to craft Roche's unique value proposition to the marketplace. Prior to her current role, Cindy was Senior Human Resources Director of Janssen Pharmaceutical North America, Johnson & Johnson. She was responsible for leading strategic human resources for the Janssen Therapeutics Infectious Disease Business Unit, Janssen Biotech Central Nervous System (CNS) Business Unit, and their leadership teams. Prior to that, she worked in roles of increasing responsibilities in Human Resources, Marketing, and Finance in the Medical Device, Consumer, and Corporate sectors at Johnson & Johnson. Before joining the Johnson & Johnson group of companies, Cindy was with General Electric. Cindy earned a Bachelor of Business Administration in accounting and a Master of Science in adult technical education from Marshall University, Huntington, W. Va. She is a certified Master Black Belt (Six Sigma, Lean and Design Excellence). Cindy volunteers in the community to develop youth through sports and education. She enjoys attending sports and music events: NFL, NBA, NCAA, youth sports, and musical concerts.


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Policymakers across the world desperately desire to increase the levels of entrepreneurship within their borders. Whether it is the United States increasing funds for STEM education in the Educate to Innovate program, the extensive programs for new business formation in South Korea, or building one of the most well-endowed science and technology universities in Saudi Arabia (KAUST), governments are putting new venture formation, entrepreneurs, and science and technology on an ever greater pedestal. They are the panacea to all of our economic problems.
Despite the grand visions of politicians, few policymakers have successfully guided their economies to reach this entrepreneurial target. Saudi Arabia is hardly a paragon of innovation today, despite KAUST's existence for the past few years. The Research Triangle in North Carolina, while not a failure, has never reached its full potential to become a major innovation hub. Today, the only region that looks promising is New York City, where a start-up ecosystem has grown in the ashes of the Wall Street financial collapse and the city government is devoting significant resources to grow and sustain a technical workforce.
Why is it so difficult to build these kinds of regions? I can think of a couple of answers:
- Policymakers aren't entrepreneurs.
This not only means that it is difficult to build good policies, but it also means that the implementation of the policies can be extraordinarily hard as well. - Policy often lacks focus.
I don't believe that building an entrepreneurial region is hard, but what is your price? It's not just about money here, but also attention and time. Are you willing to change every policy (labor law, patents, taxes, etc.) to support such an environment, or do such changes get mired in politics? - Policy often lacks geographic focus.
Most entrepreneurship happens in very well-defined regions. In the US, movies are made in LA, tech in SF, media/advertising in NYC. Trying to spread the benefits widely (a common policy goal) is the antithesis of building a concentrated innovation hub.
Ultimately, building these types of regions require people to start and grow companies. And while there is a great number of items to be considered, I believe all of entrepreneurship can be summarized as "rewards". What are you going to get at the end of the train ride? This is usually put in monetary terms, although start-ups like Wikipedia and Khan Academy are also legitimate approaches.
The basic equation of entrepreneurship is Benefit = Probability of Success X Size of Reward. Larger rewards and better chances of success both increase the likelihood of entrepreneurship. This is why exit opportunities are so critical to the development of new ventures. In countries like the United States, there are a myriad of ways to attain your reward, from mergers and acquisitions to going public. Such opportunities don't often exist in other countries, where the legal framework or business culture may not really provide any good outs.
I want to really emphasize this point. If there are strong exit opportunities, entrepreneurship will happen. There can be a bad regulatory framework, a poor justice system, a lack of talent, etc., but new companies will form if their founders think there is a non-miniscule chance of success and the exit potential is decent. Policymakers need to start here and solve problems related to exits before any other policy consideration.
Once exit opportunities exist, the second and in some ways final issue is about reward balance. To make a well-functioning entrepreneurship hub, the ecosystem has to support the sharing of the spoils of venture formation. Entrepreneurs, employees, investors, and even society all need to get a share of the rewards if the ecosystem is to function. When these are unbalanced, the ecosystem fails. For instance, South Korea's venture capital industry is likely to take a much greater chunk of equity with an investment than a similar deal in the US. Founders thus start fewer companies because the rewards are smaller, and the ecosystem suffers.
Free markets are crucial to this success, but the balancing act required between the various actors can be challenging if they are completely unfettered. Silicon Valley is one of the only regions that have mastered this balance, but it is not impossible to believe that another region couldn't reach the same point. What is required is a dexterous and responsive policy process that is willing to listen to all members of the debate. Or more plainly, the investors can't be the only people politicians listen to.
Entrepreneurship is attractive because it allows one to win a greater reward, broadly defined. When policymakers start focusing on the outcomes instead of the inputs like engineers and capital, we may start to see other venture regions begin.


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Fire up those color-coded lasers and shields, because Treasure's cult classic top-down shooter Ikaruga is on sale for half its usual price on Xbox Live Arcade this week.
You kids don't know how good you have it these days. Back before we had this thing called "digital distribution," if you wanted to play a rare game you had to go to eBay and pay ridiculous prices for used copies, that or trek through fire and brimstone to go to Funcoland every other day, fingers crossed some schmuck just happened to sell the game you wanted.
Oh, we've come a long way. Ikaruga, the classic shmup from that most cult of cult developers, Treasure, used to fetch high prices in its single North American incarnation on the GameCube (the game was doubly valuable for the hilarious IGN blurb that appeared on its cover, which gave birth to the notion of "frothing demand"). That ended thanks to Ikaruga's re-release on Xbox Live Arcade, which made the game easily acquirable (and with leaderboards and achievements) for less than a fistful of spacedollars.
Now, for a limited time only, Ikaruga is getting even cheaper (and demand, I expect, will get even frothier). Usually 800 Microsoft Points, it's now good for the getting only for a paltry 400. Act quick, though, because the game's only the Deal of the Week, which means the discount only lasts until next Monday.
Even 800 Points was an absolute steal, so if you've never tried this out and are looking for one of Treasure's best and one of the most challenging and satisfying shooters around, pick it up. It's a top-down shmup with a twist: your ship can switch between black and white modes, during which it can absorb bullets of the same color. Stages are built for maximum challenge with brutally sequenced strings of black and white bullets, not to say anything of the epic bosses. Sounds hard, and it is, but it's also hugely rewarding (and more flexible than you might imagine). Don't be a wuss. Froth that demand.


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Vin Diesel sends Dwayne Johnson a big Instagram smile for his 45th birthday
"To look back at what we have accomplished", read Diesel's message to The Rock.
Vin Diesel and Dwayne Johnson's feud is a thing of the past now. Diesel, who stars as Dominic Toretto in the beloved Fast and Furious franchise, took to social media to wish The Rock on his 45th birthday with a photo.
In the picture, both the actors are wearing white shirts, looking at each other and flashing big smiles. Referring to Johnson's Fast And Furious character, Luke Hobbs, Diesel wrote, "To look back at what we have accomplished. Shoulder to shoulder, against impossible odds. Proud... Happy Birthday Hobbs..."
The former WWE champion sparked a controversy in the final weeks of filming for The Fate Of The Furious when he went on a public rant and called his male co-stars "chicken s**t" and "candy a***s".
However, recently the Guardians Of The Galaxy star cleared the air around the feud rumors and told USA Today that things were blown out of proportion. The 49-year-old actor said, "I don't think the world really realizes how close we are, in a weird way. I think some things may be blown out of proportion. I don't think that was his intention. I know he appreciates how much I work [for] this franchise. In my house, he's Uncle Dwayne."
"I protect the franchise. I protect everybody, including Dwayne. I protected Dwayne more than he'll ever know. And it doesn't matter. He doesn't have to know. But he appreciates it. Dwayne has only got one Vin in his life. Dwayne Johnson only has one big brother in this film world and that's me," the XXx: Return of Xander Cage actor said.
Despite the reported tension in the past Diesel admitted that he is rooting for his co-star Johnson. "I'm always rooting for Dwayne. I'm the first multicultural mega star in Hollywood. They didn't exist. To see another multicultural star come up is something I am very proud of."
© Copyright IBTimes 2024. All rights reserved.


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Sen. Lewis Helps Lead Senate Action to Fight Child Hunger, School Meal Shaming
Senator Jason Lewis recently joined a unanimous vote in the Massachusetts Senate in support of An Act to promote student nutrition that would ensure that more children in Massachusetts have access to free and nutritious school meals.
"We all understand that a hungry student is not ready to be a successful student, and so we need to do all that we can to ensure that kids have consistent access to healthy school meals without the burdens of meal debt or social stigma," said Senator Jason Lewis, Senate Chair of the Joint Committee on Education. "As the Commonwealth continues to strive for an excellent and equitable educational experience for every child, regardless of their ZIP code or family income, this is another important step along the road to closing opportunity and achievement gaps in our public schools."
An Act to promote student nutrition requires schools and districts where a majority of students are low-income to enroll in federal programs—known as the Community Eligibility Provision and Provision 2—that enable them to provide free breakfast and lunch to all students. In addition to providing universal meals, these programs reduce administrative burdens for schools.
The legislation minimizes families' meal debt by requiring school districts to maximize federal reimbursement revenues and directing the Department of Elementary and Secondary Education to assist them in doing so. When students do accrue meal debt, it requires school districts to determine whether they are eligible for free- or reduced-price meals.
An Act to promote student nutrition also prohibits schools from targeting students who carry meal-related debt with punitive practices such as withholding report cards and transcripts, preventing students from graduating or walking at graduation, barring students from participating in no-fee extracurricular events like field trips, or throwing a child's hot meal away and replacing it with an inferior meal.
As Senate Chair of the Education Committee, Senator Lewis helped move this important bill through the legislative process.
A similar version of the legislation has also been passed by the House of Representatives, and the bill is expected to reach Governor Baker's desk soon.


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I'm sure there have been many iterations and updates, but I took in this "new" Nichols Ride this past Sunday for a number of reasons.
The main draw was Paul and I bringing along Sasha and Vic for their first rides as how could they not have ever done this ride.
Part of doing this ride was getting a good kick in the rear as the grind to climb one million feet for the year has taken a toll on my motivation to ride hard.
The reason why I call this the "new" Nichols Ride is because of the ongoing debate about "Crash Corner" which is near the top of Nichols by La Castana Dr.
Quite simply, this portion is normally wet with the buildup over the years making it a slick section to navigate.
While there is no great solution to handling this moisture as even when the homeowners above don't water that condensation forms, finding an alternative route has it's share of opinions.
Ryan Hallman brought up a solution about turning up La Cuesta about a half mile before crash corner which I didn't think was a better solution (and not only because I hate that climb more too).
Most of the climb you'll never compete with traffic, but it spits you out at the parking lot at Runyon Canyon which has a competing subset of drivers trying to find a place to put their cars.
On my way down Nichols that morning, crash corner was actually dry thanks to the high winds, but when I spoke with Phil Gaimon at the bottom, he said the fast group goes up La Cuesta.
My plan was to play that intersection by ear hoping that the people I was riding with would follow me left, but the felt more unlikely the closer I got.
After the first mile, I was behind a Pro rider from Rally who was obviously new and needed help navigating the early turns on the course.
I lost her wheel (as did a few in front of me) as we neared La Cuesta and while she stayed on Nichols, the rest of the group stayed right.
Oh well.
Before this junction, I dialed it back a bit waiting for the next group to catch up to sit behind someone rather than go into the red catching up.
Sasha was part of that group and hitting La Cuesta I didn't gain or lose too much as Paul surged ahead of me.
La Cuesta it is…
As I suspected like after climbing the Wall on the previous version, the next few beats provided recovery after the climb and even more so as we were offered a descent.
Predictably, the group reformed and picked up a couple others as we hit Laurel Canyon fortunate enough to have a brief red before more jumped on.
I was near the front and even did a half-assed pull remaining cautious as things could break apart fast.
By the Nancy Pohl Hoover Overlook, things started to get saucy and three riders pulled ahead separating quickly.
The biggest loop being thrown at us was the heavy winds that changed directions as many times as Mulholland does along the way.
While the three riders formed an efficient mini-echelon, the rest of us fought our way back on the northern straightway that's one of the most crucial parts of the Nichols Ride, but played a more vital role with the winds slicing the groups up today.
You could see the havoc the wind caused
Positioned towards the back, both Paul and Sasha were part of the carnage as I paired with fellow Gr818er Mark to find wheels as we approached Coldwater Canyon.
The descent before the traffic signals is a great place to catch up and with some luck of the lights, we made up some ground.
Two successive climbs immediately followed and the key is to stay somewhere within contact as you can make up a few seconds at the top if you're not too far behind.
One rider was just outside that range and dropped with another missing a beat on the S curves bringing our group to three.
Ward (in the La Grange kit) was a difficult rider to read as he spent a great deal of the climbs out of the saddle not fading as quickly as you'd predict.
My hope into the final sprint was that he might empty the tank early, but he was able to keep it up enough to fend off a late surge on my part.
Once again, the Nichols Ride encapsulated the fun and unpredictability each week offers.
Next time, a little less wind though.


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App Clips in iOS
Whether you're picking up coffee or renting a bike, you've likely been faced with the decision of installing an app or not. Living in a time where there truly is an app for everything, it's often frustrating to download an app just to get a ride home or book a hotel on-the-go. With App Clips, developers can make a small portion of their app available for near-instant use, so users can avoid the installation, sign-in, and onboarding process. In this course, learn how to implement your own App Clips in your iOS apps and help users discover your app while on the move! By Vardhan Agrawal.
Who is this for?
This course is for developers looking to add App Clips to their apps. If you're someone who already has an app, especially one which involves brick-and-mortar stores, and wants to make your app more discoverable, this is the perfect course for you! This is also a great course for someone who's just curious about how App Clips work and how they can be an invaluable tool in any developer's toolkit. If you have some experience working on Swift apps in Xcode or if you already have a basic app up-and-running, this course is for you!
Covered concepts
- Launching App Clips by URL
- Passing Data to App Clips
- Location Confirmation API
- Simulating User Location
- Sending Ephemeral Notifications
Part 1: App Clips in iOS
An App Clip is a small, lightweight portion of your app that users can install immediately. App Clips allow your users to experience your apps without needing to download your full app. In this episode, learn what App Clips are and get a tour of this course's lemonade-ordering app, SwiftyLemonade.
Since App Clips are technically a different version of your app, you'll need to create a separate target for them, almost as if you were making a cross-platform app. In this episode, create an App Clip target for SwiftyLemonade. Then, share code and assets between the two, for a seamless integration between your App and its corresponding App Clip.
An App Clip experience is how your users first interact with your App Clip: by scanning an App Clip Code, or following a link. In this episode, learn how to design your App Clip experience by using a URL.
Since your App Clip's launch URLs contain data, you'll need to parse them before use. In this case, they contain longitude and latitude data to map you to the correct lemonade stand. In this episode, you'll learn about parsing your URLs and use the location data to return the name of a lemonade stand.
After your App Clip is launched, you'll need to implement its real-life features. With the SwiftyLemonade App Clip, users should be able to order lemonade from the correct stand. In this episode, you'll display your lemonade stand's menu and allow users to place their order through your App Clip.
While it's useful to pass location information through a URL, there are many obvious security flaws with relying solely on URL data to place orders to a lemonade stand. In this episode, use the Location Confirmation API bundled with App Clips to confirm that a user's location matches the one provided by the URL before allowing users to place orders.
Now that you've used the Location Confirmation API to verify your user's location, you should disable the ability to order lemonade. In this episode, prevent the user from being able to place an order if their physical location doesn't match the URL location.
The SwiftyLemonade App Clip should now respond to user location and prevent users from placing orders, where appropriate. To test these features, simulate a user's location in various scenarios. In this episode, explore ways to simulate situations and test your App Clip's intended functionality.
To add a finishing touch to the SwiftyLemonade App Clip, you can notify your user when their order is ready. Even though an App Clip isn't the full version of your app, it can still send notifications to your user up to 8 hours after it's been installed. In this episode, learn to use push notifications with App Clips.


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Golfing on the Black Sea
The villa Seascape is really an attractive place for golf lovers. Because the villa is located only 10 km away from the Lighthouse Golf Course, the Black Sea Rama Golf Course and Thracian Cliffs Golf Course. These new Golf Courses belong to the best facilities in Europe.
The ideal time for golfing on the northern Bulgarian Black Sea coast is from early April to mid-June, as well as from mid-September to the end of October. In spring and autumn, the temperatures are perfect, to spend time on the golf course. Of course, you can also play in the summer. But in this case better early in the morning or in the evening, when the temperatures are more pleasant.
Lighthouse Golf Course
Black Sea Rama Golf Course
The Black Sea Rama Golf Course offers an open sea view from Cape Kaliakra to Cape Galata.
Also, this course is an 18-hole course (par 72) and has a length of 6.648 meters. The golf course is beautiful but also challenging. The greens of the Black Sea Rama Golf Course are rather fast. In view of the countless bunkers and the strong wind you really have to make an effort here. But just this challenge increases the pleasure of playing the course. The clubhouse with a wine cellar, indoor pool, sauna and restaurant is a must after the game. Very impressive is the viewing platform in front of the clubhouse.
Thracian Cliffs Golf Course
One of the most breath-taking golf courses in the world is the 18-hole course (par 72) Thracian Cliffs Golf. It is also called the Gary Player Signature Golf Course. You play on the cliffs line high above the sea over different height levels. The design and location of the Thracian Cliffs Golf Course is definitely unique. So unique that you should have some spare balls in your pockets (;-). The length of the golf course is 6.452 meters and stretches across the Black Sea coast. The fairways are right along the cliffs. If your ball goes a little off course, it lands a few meters below you in the sea. Hole 6 is a par 3 and also the most spectacular hole of the Thracian Cliffs Golf Course. The green is on a piece of cliff just above the sea. 40 meters difference in altitude and the sea in between – this is a real challenge. If you hit the ball wrong - the ball is gone! If that's not adventurous enough for you - hole 7 will delight you. The tee is in the sea and you have to bring the ball 170 meters over the water to the green.


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Contact vendor directly for pricing information.
Product is available as a SaaS solution that requires no additional hardware.
Vendor works with midsize, large and multi-national enterprises.
SGN, Warburtons, Engie, Nationwide, ComEd
Kony Visualizer is an application development software solution that focuses on designing and prototyping app UIs in a quick manner. The program uses a WYSIWYG editor to arrange all the visual elements for mobile and desktop app UIs. As users make changes, they can create previews to see the resulting work.
For collaboration, the system can attach written notes to various app locations so that users can receive feedback. Users can publish and share prototypes across the cloud, and the product has a library of templates, stock graphics and themes. Lastly, the platform can design workflows to assist with all communication processes.
Kony was founded in 2007 and is headquartered in Orlando, Florida.


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This Blog is written by Mr. Sharif ud din Khilji, FCA, Partner/ Chief Executive, Khilji & Co. Chartered Accountants. Please read this blog and provide us your valued comments.
Industrial undertaking
- The construction sector entities are declared "industrial undertaking" only for the purpose of import of plant & machinery. Other sectors who fall within the definition of "industrial undertaking" have no such limitation and they can also import raw material, equipment and parts for own use.
- It is further interesting to note that Honorable High Court and Appellate Tribunal Inland Revenue (ATIR) gave some decisions the interpretation of which appear to suggest that builders and developers were already "industrial undertaking" as per definition provided in Income Tax Ordinance, 2001. The scope & interpretation of aforementioned Court decisions provided a wider benefit to builders & developers and the current change has effectively reduced that benefit.
- Accordingly, the changes in definition of "industrial undertaking" need to be revisited to provide real relief to construction sector and bring them at par with the relief available to all other industrial undertakings.
- The timelines provided to complete a new project appear to be very strict and unrealistic particular considering the general hurdles faced by the builders & developers under the current environment when sometimes getting an electricity connection could become an uphill task.
- Either the timeline may be relaxed for at least a year or the percentage of completion by September 30, 2022 may be relaxed.
Immunity to purchaser of building or unit of building
- Section 111 allows tax department to ask source of investment from a buyer and the relief package provides immunity from section 111 of Income Tax Ordinance, 2001 to first purchaser of building in respect of a project registered under this scheme.
- However, it is not very clearly spelt out in the law that if such registered project fails to get completion within the timeline then the immunity available to purchaser would still remain intact or the failure of project would lead to adverse consequences for such first purchaser as well. Logically, the incomplete project is not the fault of purchaser of building or unit of building so it should not be fatal to his immunity but this need to be spelt out more clearly in the law that failure of project to meet completion deadlines would not impact immunity available to first purchaser.
- The immunity also requires the purchaser to make full payment by September 30, 2022. However, in case of failure of project to be completed within the timelines, this could be detrimental to the investment of purchaser because the first purchaser would have made all the payments and the builder may not complete the project for years to come hence the investment of purchaser would get stuck. A caveat may be allowed to first purchaser that in case of incomplete project he can make proportionate payments though amnesty would only be available to payments made during the period identified in the relief package.
Immunity to purchaser of plot
- It is interesting that immunity in case of purchaser of building or unit of building is available only for registered projects under the relief package however in case of purchaser of plot the immunity is available if investment is made anywhere i.e. even in projects not registered.
- This is fine if the Government wants people to invest in plots with the intention to construct building but then same is true for purchaser of building or unit of building and he should also be allowed immunity even if he purchases unit other than a registered project under relief package.
- The immunity also required purchaser of plot to construct a building however what constitutes a building for this immunity is unclear. If a person builds a single room on a 4 kanal plot and left all remaining open for gardening, would that be acceptable as constructed building? Law is apparently silent on this and need to be elaborated further.
Condition of utilization of money on the project to avail immunity
- The law requires that to avail immunity, the money should be wholly utilized in the project however this requirement may be further clarified as it can be used to exploit the amnesty scheme by investors and is also open to misinterpretation by tax officer.
- For example, if a builder gets his own salary or pays salary to his immediate family then tax officer may draw inference that the amount is not wholly utilized on the project rather used for personal benefit though the payment of such salaries may be genuine on account of work performed.
- On the other hand, this can be used as a tool to whiten a lot of money. For example, a project may be of real worth say Rs. 100 million and it is declared under the amnesty at Rs. 250 million. Actual cost of construction is less and the exceeding amount is withdrawn in the form of salaries etc. to whiten the money and the amounts are not utilized in real generation of business activity.
- Accordingly, utilization of money may be further explained limiting the salaries/ dividends of builders/ developers & their families to a certain percentage of construction costs. The estimates submitted for the project may be required to be reviewed by a Chartered Accountant firm to be reasonable estimates for such projects.
Limitation of Immunity for certain persons
- The law prohibits availability of immunity for persons Voluntary Declaration of Domestic Assets Act 2018.
- The said law of 2018 prohibits persons who have been in certain position for the past ten years i.e. the persons who have been in those positions from 2008 and onwards were eligible under the 2018 amnesty scheme.
- The adaptation of definition from the said 2018 law should logically mean that the calculation of past ten years should apply from the date of current law i.e. a person who held any such position prior to April 2010 but not after that should be eligible for the relief package however more clarity should be provided because there is apprehension that tax officer may interpret that calculation of ten years should start from date of 2018 which would make persons from 2008 to 2010 also ineligible for this relief package.
No Credit allowed except section 236K
- This could be pretty harsh particularly in case of taxes paid under section 236A on property or goods purchased in auction.
Exemption from application of section 153
- Clarity is required if this exemption is applicable to all builders & developers or only to those who are registered under section 100D. In my opinion, plain text appears to suggest that it should be applicable to all but more clarity would be helpful in avoiding unnecessary litigation
Sharif ud din Khilji
Partner/ Chief Executive
Khilji & Co. Chartered Accountants
May 9, 2020


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Daniel Ricciardo and Lando Norris taking part in the Bathurst 1000 is something McLaren chief executive Zak Brown would love to see.
The annual touring car race is held at Mount Panorama in New South Wales and typically clashes with Formula One's Japanese Grand Prix in early October.
Brown owns part of the Walkinshaw Andretti United team that ran a car in the 2019 edition.
Ricciardo will join McLaren from Renault after the 2020 F1 season and Brown would love to figure out a way for the Australian and Norris to take part in the Supercars event.
"I think they'd both love to do it," Brown told Supercars Sidetracked.
"I think people now know I'm a little bit different than most of the team bosses in F1 as I like to see our drivers go out and give it a go at Daytona or Le Mans, things of that nature.
"I think it'll just come down to schedule and whether they can fit it in the schedule.
"I'd love to see them do it there [in Bathurst]. Let's see. For sure, they'll get a go in my Holden."
McLaren granted Fernando Alonso leave from the Monaco Grand Prix to take part in the Indy 500 in 2017.


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23rd May 2014 | by MFC Team
Taking out a loan to build our family
Chad and I have been married for 7 years. We recently had our 35th birthdays. We have been trying to get pregnant for the last 5 years and are pretty desperate to have a baby before we're too old. After having two first trimester miscarriages, our family doctor referred us to the local fertility clinic. After having a raft of fertility tests done, the doctor said that given our ages, our best option is IVF. When we asked how much that will cost, we were floored to learn that with all the medications, one round of IVF is about $12,000! She said some of the medications might be covered if we have an extended health insurance plan, which unfortunately we don't have. She also said that if the cycle goes well and they get enough eggs, they could freeze any extra embryos so that we can try again if the first cycle doesn't work, or try to increase our family size if we're lucky enough to have a baby from doing IVF.
After finding out how expensive IVF is, we told the doctor that we needed to give it some thought. We came home and crunched the numbers. It didn't look good. Chad and I both work full time – I'm a supervisor at a local restaurant, and Chad works in construction – but we live in an expensive city. After paying for food and rent and all our expenses, there isn't much left at the end of the month. We try to keep our expenses down by not owning a car, but we only have about $2,000 in savings – $10,000 short of what we'll need if we want to do IVF. Chad lost both of his parents when he was young and my parents aren't in a financial position to help us out. Things were looking pretty bleak, and I was beginning to give up hope when Chad suggested we take out a loan to pay for IVF. So we met with the loans manager at our local credit union. We were both nervous because the stakes are so high. Fortunately, the loans manager was really helpful and said that he could set up a line of credit for $10,000. We were so relieved.
Even though it's costly, we decided that we're going to do IVF. We don't know if this cycle will work, but at least we will have tried and won't have regrets later. However long it takes to pay off our line of credit, it's worth the peace of mind of having tried.


text: Half a million Americans have died of opioid overdoses in recent years. "In the 12-month period ending in April, more than 100,000 Americans died of overdoses" according to The New York Times on November 18. That's the story of Dopesick (on Hulu), a personalization of Beth Macy's best seller about how the opioid crisis became the huge story it still is. The evil forces that precipitated this massive fraud on the American public is remarkable because there are so many villains.


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Industry News Bits 7-17-20
Gospel Radio Favorites with Brian Crowe announces its 100th radio affiliate station. WBYJ/Burlington, NC will air the program Friday afternoons 4 p.m. and again on Sunday's 2:00 p.m.. Brian says, "I am amazed at the continued growth and blessings God continues to send my way."
WHIF/Palatka, FL (Hope 91.3) hires Rachel Rinehart for on-air & production director duties.
The economic impact of the COVID-19 pandemic has hit Oklahoma worse than any state in the US in 2020. As a result, KJTH/Ponca City (The House FM) found themselves at a 10-year low in listener funding.
July 13-14 the station asked their listeners to help make up the shortfall, and the listeners responded with overwhelming support. House FM CEO Tony Weir said, "With many of our donors hitting pause on monthly donations, we felt we needed to ask listeners to "stand in the gap" for families that were unable to give at this time. We set a goal of about what we were behind year-to-date from 2019 donations. We more than doubled that goal (221%) and saw a number of large gifts and a real outpouring from our communities to keep the ministry going strong. Vidare helped us from the early planning, to the messaging ramping up to the event, and a fantastic one day plus a morning on-air fundraiser that never saw a lull in phones and on-line gifts."
Vidare Creative is thrilled to work with amazing ministries like The House FM, helping them advance their mission. If you'd like to talk, just email email@example.com
Don't miss this week's episode on The Dunham Podcast: Engage More People with Your Ministry with Todd Isberner.
To listen go HERE.
Curb Word artists Sidewalk Prophets new album, The Things That Got Us Here, debuted as the #1 Christian album according to Nielsen Music Connect last week.
Submit your station or label news HERE


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The main contractor on the Al Khor Al Bayt World Cup stadium in northern Qatar will officially begin construction on the site in September, the Supreme Committee for Delivery and Legacy (SCDL) has said.
The move comes after enabling works that included erecting temporary onsite offices, paving internal roads and ground leveling were recently completed.
Meanwhile, as construction picks up the pace on the site, a new nearby development to house those working on the project is also in the works.
The SCDL did not specify when that accommodation would be completed, but said it would eventually house some 2,700 workers and include retail areas and restaurants.
The project is being designed and constructed by Al Khor & Dakira Schemes & Services Co., a locally based company.
Like all World Cup-related projects, contractors working on the stadium and the housing development must adhere to a special workers' charter.
That 50-page document, designed to prevent the abuse of people working on World Cup projects ahead of the tournament, outline minimum working and living standards that go above and beyond what is required by Qatari law.
In a statement this week, Ghanim Al Kuwari, executive director of competition venues, said:
"We are progressing well at Al Khor and this new workers accommodation under construction is the latest sign of that development. The proposed design for the accommodation was reviewed by the Technical Delivery Office and the Workers Welfare Committee at the SC to ensure alignment with our standards."
Stadium progress
Last month, Italian firm Salini Impregilo Group, which has a joint venture with Qatar-based Galfar Al Misnad and the Italian firm Comical, signed a QR3.11 billion (€770 million) contract for the construction, operation and maintenance of the Al Khor Al Bayt stadium.
The design resembles a traditional tent used by nomads around the region and is meant to symbolize Arab hospitality.
When the deal was announced, the JV said the stadium would seat 70,000 spectators and be completed by September 2018. However, this week's statement about the facility said the stadium would house some 60,000 football fans.
The stadium is one of likely eight venues that will be used for the 2022 World Cup.
Though Qatar originally pledged to build 12 stadiums for the tournament, a minimum of eight facilities are required by FIFA in order to host the 64 matches played during the international tournament.
Work is already underway to build from scratch or redevelop five stadium sites (including Al Bayt), while the designs for a sixth arena at Lusail City, which will host the opening ceremony and final match, are being prepared by Foster + Partners, the firm led by British architect Sir Norman Foster.
The Qatar Sports Club in Dafna and the Hamad International Airport area have also been mentioned as potential World Cup stadium sites.
Last week, an SCDL spokesman said the final number of stadiums would be decided by year-end.


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One of my many significant assignments in the Army was as a commander of a basic training company. Post-Vietnam volunteers, fresh out of high school, looking for a purpose in their life and a new identity, decided to enlist in the Army. They entered an environment never exposed to before, indoctrinated with the Army's seven core values of loyalty, duty, respect, selfless service, honor, integrity and personal courage. Over the next three months, their belief system expanded to include the Army's rich history and purpose.
Additionally, all were taught a basic set of survival and coping skills foundational for the advanced skills training next to come before their first assignment. I recall many a graduation where parents of new troopers, tears streaming, thanked me and my cadre for the identity change made in their sons or daughters. The parents left believing that their daughter or son possessed the right set of values, beliefs and skills to behave responsibly, make good decisions, take the right actions and achieve outstanding life results.
Edward T. Hall was an American anthropologist and cross-cultural researcher. Of his many concepts, Hall used the iceberg as a visual context for explaining the depth of culture. He contended culture is much more deeply rooted and interconnected with our sense of identity and self-understanding than people imagine. Thinking about what we can see and understand regarding a culture, not our own, is somewhat similar to how we perceive an iceberg. About 10% is observable above the waterline, and the other 90% is unobservable and below the waterline.
Brad Sugars, founder of ActionCOACH, mirrored Hall's visual context of an iceberg to describe a business owner's ability to change. The tip and exposed part of the iceberg represent the owner's outward display of behavior, the actions and decisions he or she makes, and resulting gains or losses. The tip is observable to others but only embodies 10% of the owner's being. The other unobservable 90% is below the waterline and represents the business owner's identity, values, beliefs and skills.
Using the model, if you're dissatisfied with results, whether personal or business, first traverse the tip of the iceberg. Change your behavior and the decisions and actions you make and take. Be self-aware of how you project yourself to others. Work on leadership and management fundamentals. Understand, leadership is about communicating a vision and inspiring your team along a pathway to achieve it successfully. The leader finds what motivates each team member, then deftly inspires them by drawing on their strengths and shoring up their weaknesses. On the other hand, management is about controlling resource consumption by emplacing systems, processes and procedures that increase the organization's efficiency and effectiveness. Both impact productivity and goal achievement, although they require very different skill sets.
If tackling the tip of the iceberg doesn't improve results, go below the waterline, develop new skills and change your beliefs by gaining an insatiable appetite for knowledge. Cast away your existing blinders, self-exam, and identify your strengths and weaknesses. Then enhance the former and shore up the latter. Not only your thirst but also your consumption of knowledge will lead you to new skills and undoubtedly expand your belief system. Encourage your team to do the same. Make learning one of your organizational values and incorporate it into your employee performance evaluation system.
Making changes
If you're still dissatisfied, it's time for a far-reaching approach and a deep dive to the bottom of the iceberg. Changing one's values and identity is difficult and challenging, but surely not impossible. As stated in my opening, I'm a witness to young, directionless adults latching on to the Army's core values and finding their own identity. Basic and advanced training got them there. You, too, can get there through training and coaching.
However, few business owners have trained on how to run a business. Even fewer seek and ask for the help of a business coach. Resistance to change is the most common excuse, and the inability to quantify and qualify uncertainty is not far behind. Perturbation motivates you to change, especially when you're not experiencing the results desired — time to get comfortable with being uncomfortable. Furthermore, the best way to deal with uncertainty is to embrace a deliberate planning process.
Don't be that business owner who resists asking for help. Overcome the iceberg, engage a coach, embrace change, plan and cope with uncertainty, and solidify your identity as an exceptional and responsible business owner. Possess the right set of values, beliefs and skills to behave responsibly, make good decisions, take the right actions, and achieve outstanding results. This is how you lead, think, plan and act. Now, let's get after it!
Paul A. Raggio is co-owner, with his sister Lisa, of One True North INC Leadership and Business Coaching Solutions.


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Inheriting ISAs to be made simpler
The right to inherit an ISA from a spouse or civil partner who has died is a relatively recent right, but the process is very complex. The proposal to simplify matters is very welcome and is likely to result in a greater take up.
The Government said it will look to simplify the process for bereaved spouses who inheirt their partner's Isa. At the moment, the surviving spouse can claim a one-off extension to their own Isa allowance equal to the value of their late partner's savings. The savings do not remain in their original Isa wrapper and the surviving spouse has three years to deposit the equivalent amount back into an Isa. But the process is complex and many savers don't understand how it works. The Government has confirmed that it will legislate to allow the Isa savings of a deceased person to remain within the Isa wrapper, and continue to benefit from tax advantages, during the administration of their estate. "


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You may be eligible to pursue compensation for the damages you suffered in a Titusville, FL bicycle accident. The team from the LawOffices of Anidjar & Levine can review your case for free. We will evaluate the strength of your case, identify the liable party, and take legal action. You worry about getting better. We take care of everything else.
You can reach a member of our team now for your free case review. Our personal injury lawyers in Titusville, FL handle these cases on a contingency fee basis; we do not get paid unless you do.
We Know the Common Causes of Bicycle Accidents and Can Prove Your Case
If you suffered injuries anywhere along Florida's Space Coast, we are here to help. We can take on bicycle accident cases on Merritt Island, Canaveral National Seashore, and downtown Titusville.
With decades of combined experience investigating bicycle versus motor vehicle accidents, our attorneys know the most common reasons these injuries occur and how to identify the bad behavior of a driver. This may include:
- Distracted or drunk driving;
- Speeding;
- Failure to stop at a traffic signal;
- Turning illegally;
- Opening a car door into a cyclist's path;
- Following a bicycle too closely;
- Passing a bicycle too closely;
- Driving under the influence of drugs or alcohol;
- Failing to yield right of way to a bicyclist; and
- Failure to exercise caution when pulling out of a driveway, parking space, or alley.
A member of our team can review the facts of your case today. We can uncover the facts of your case and help you pursue the compensation you deserve.
The Law Offices of Anidjar & Levine Can Pursue a Payout in Your Titusville, FL Bicycle Accident Case
When you suffer injuries in a car versus bicycle accident, you need responsive legal care. You need answers to your questions and someone on your side who can serve as an aggressive advocate on your behalf. Bicycle accident lawyers in Titusville, FL from the Law Offices of Anidjar & Levine can help you prove your case and pursue the maximum compensation available based on the evidence we uncover.
We investigate every bicycle accident case we take on. By conducting a thorough investigation, we can collect evidence to prove negligence and fault, as well as your injuries and damages. As a part of our investigation, we will:
- Obtain a copy of the police report and other related documents
- Contact and interview any witnesses to the accident
- Survey and photograph the accident scene
- Examine the damage to all vehicles
- Work with accident reconstruction specialists, if necessary
- Discuss your injuries, prognosis, and ongoing care with medical experts
- Collect documentation of your damages
Once our investigation is complete, we can take action to pursue the compensation you need and deserve. We will work tirelessly on your case, always working with your best interests in mind. This is true no matter whether we are negotiating with the insurance company or presenting your case at trial.
Recoverable Damages in a Bicycle Accident Case in Titusville, FL
Our bicycle accident lawyers in Titusville, FL will aggressively pursue a payout to help you cover your accident-related expenses and losses. Since we collected evidence of your damages during our investigation, we have a strong case to recover all or some of them through negotiations with the insurance company or by taking your case before a Judge.
Some of the damages you might be able to recover after suffering injuries in a Florida bicycle accident include:
- Medical treatment expenses;
- Ongoing care costs and future care;
- Home health care or treatment at long-term care facilities;
- Lost wages;
- Diminished earning capacity;
- Property damage, such as replacement of your bike;
- Other accident-related expenses;
- Pain and suffering; and
- Mental anguish.
If your loved one passed away because a motorist hit them while they rode their bicycle, you might be eligible to pursue damages for yourself and other family members through a wrongful death claim. We can review your family member's accident case and explain the options for pursuing a payout.
You Must Act Quickly to Protect Your Right to Recovery
State law only gives accident victims four years from the date of their accident to file a personal injury lawsuit. While filing suit is not necessary in every case, it is imperative we retain the right to do so on your behalf. If you miss the deadline, you will not be able to take legal action to hold the at-fault driver liable. You could lose your right to compensation by missing this deadline.
We can go to work on your case the same day we learn about it. Call us in the first days or weeks following your accident so we can build the strongest case possible before evidence begins to disappear. If your loved one remains hospitalized or undergoing treatment for their injuries, we welcome calls from immediate family members, as well. We can even come to the hospital or your home to discuss your case with you.
Talk to a Bicycle Accident Lawyer in Titusville, FL
If you suffered injuries when a car hit you while you rode your bicycle in Titusville, FL, or elsewhere in Brevard County, the attorneys from the Law Offices of Anidjar & Levine can help. We can evaluate your case and help you identify the liable party. With evidence to prove negligence and liability, we can pursue compensation on your behalf.
Let our team go to work on your case right away. Call our office serving Titusville, Florida by dialing 1-800-747-3733 today. We are standing by for your complimentary initial consultation. You do not owe us any attorney's fees until and unless we recover a payout in your case.


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A team of female firefighters are preparing for a record-breaking trek to ski Antarctica coast-to-coast with global Survival Technology leader Survitec as one of its sponsors.
The six-strong Antarctic Fire Angels are undertaking the gruelling expedition to showcase women empowerment and tackle the stigma of talking about mental health.
Martin Whittaker, Survitec CEO – Aerospace and Defence, said: "Protecting lives is at the forefront of everything we do at Survitec just like the Antarctic Fire Angels do in their full-time firefighting roles. We are extremely proud to support this worthwhile cause, which will do so much to raise awareness of gender equality and mental health."
The challenge – taking place in November 2023 – will see the team trek 1,900km (1,187 miles) on skis each pulling 85kg pulks (supply sleds) with all their provisions and equipment, in temperatures as low as -50°C and with wind speeds in excess of 60mph.
Covering 27km every day for around 70 days the Antarctic Fire Angels aim to set a world record as the first all-female emergency services team to achieve this crossing of the ice-covered continent.
The team – made up of serving firefighters from fire stations across South Wales, London, and Derbyshire – is being sponsored by Survitec, a pioneer in Survival Technology.
Survitec, which recently secured a number of new 'blue light' contracts, donated to the expedition.
Nakita Ross, of the Angels said: We are delighted to receive this support from Survitec. "The inspiration behind the challenge is to smash gender stereotypes. All members of the team want to set an example and prove to other women that everyone is capable of achieving amazing things whatever their gender. In turn, this will have a positive impact on mental health by showing that no-one needs to feel marginalised because they do not fit in."
Georgina Gilbert, of the Antarctic Fire Angels and a firefighter with South Wales Fire & Rescue Service, recently presented to a group of women at Survitec discussing the expedition.
With the Covid-19 pandemic resulting in travel restrictions and limiting the opportunity to acclimatise over the last two years, training had to be adapted to warmer climes in the UK, combining strength workouts with endurance activities such as running and cycling. However, the team has recently been in Norway training for the expedition and are due to head to Sweden in March.
"We wish the team the very best and look forward to watching their progress as they work to achieve their extraordinary goal," said Martin Whittaker.


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Back to School Guide/Tips
As September begins, many parents prepares for the start of the academic year . Whether your child is resuming their studies or about to start school for the first time, this can be an anxious time as you wont be able to supervise your child as much. Most parents worry about how their child will cope in school.
It is very important to make sure your child is well equipped with the essential things they need to make their time in school easier. The essential items that your child may require greatly varies depending on the age of the child. Here are a suggestion of the essential items that may be beneficial to your child through their journey in formal education/schooling.
Clothing Items
Most schools around the world requires students to wear a uniform and the school will be able to provide you with information about where to purchase their uniforms. Other essential clothing items for school will be things like shoes, bag, P.E kit/ sports gear. For those that live in cold climates like the U.K, USA, Canada etc, it is also vital to ensure your child has warm jackets/coats, rain gear and thermal wear to keep them warm. It is very common for school kids to have the same or similar items as their peers so to avoid confusion, it is a good idea to personalise your child's properties lke bottles, lunchbox, bag, jackets and accessories. You can do this by getting personalised labels that can be sticked, ironed or stiched on to items.
School Supplies / Stationaries
It is extremely important to ensure that your child has the neccesary supplies and stationaries before school starts. Some of these vital supplies include notebooks, pencil case, maths set, calculator, planner/organiser, folders and so on. It is also helpful to have a notice board to display impotant letters from school to attend to, reminders of important dates and the contact details of the school.
Electronics/Digital items
Whether we like it or not, electronics/Digital products have become a huge aspect of our modern lifestyle and children are no different. During my school days we chad to queue up or book a slot to be able to use a computer to do research and school work.
On the other hand, these days technology are a crucial part of the curriculum. Many schools now provide digital tablets/ipads for students as young as 4 to use while at school. However, it is useful for your child to also have their own personal tablets to use at home. A tablet can be a very effective learning tool when used right. There are various types of tablets ranging from leapads for young kids to ipads for all ages. There are tablets like the "Amazon fire" that are purposely created for kids with many educative activities and video on demand.
One of the most recent popular digital devices are the "Smart Home Voice-control Devices" like 'Alexa' and 'Goggle Home' which are control by voice. These devices are not only used for entertainment but are also a useful learning tool that school kids can use for research, to learn new things and do their homework. These devices can also be used to set up alarms, reminders, whether forecast and much more.
Other Useful Tips
There are many other important Tips that will help parents through this journey. Some of them are:
- Ensure you are well organised and prepare in advance.
- Make sure your child has a healthy & balanced diet that includes fruits and Vegs.
- Be hands-on and keep up-to-date with your child's development at school.
- Notify the school if your child has any medical condition or allergies.
- Ensure your child is up-to-date with their vaccines/immunisation to help protect them from catching something from other kids.
- Get a first aid kit to treat minor injuries like bruises/cuts.
- Make time to further help your child with things like homework, learning activities etc.
- Make use of every arising opportunities to teach your child and further their development. For example, there are countless learning opportunities within the household such as the kitchen (cooking) were you can teach kids about types of food, texture, elements ,colours and so on.
Here are some useful items for your child's schooling/learning
Variety stationary set with pens, pencils, crayon etc
Maths set with all the necessary items for maths
Anti-theft backpack with USB charging and headphone port
The Fire HD Tablet is purposely built for kids for learning and entertainment
The Amazon Echo is a great smart voice-control device with fantastic features
This magnetic weekly planner will help you to organise weekly tasks
Scientific calculators are essential for maths especially for secondary school kids
These are personalised self-adhesive labels to stick onto your child's properties
This lunch box set is ideal for young kids who take packed lunch to school
Stationaries are a necessity for school and this pack consist of various items
This stationary organiser is great for kids to use to do their homework /activities
This thermal under wear will help to keep your child cold during winter