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ISSN : 2288-4645(Online)
DOI : http://dx.doi.org/10.13106/jafeb.2018.vol5.no1.17
Voluntary Insurance for Ensuring Risk-Free On-the-Go Banking Services in Market Competition: A Proposal for Bangladesh
JEL Classification Code: D01, D11, D18, M15, M21.
1. Introduction
With this win-win setting for the service-provider (producer) & service-receiver (customer) in financial sector, banks and subsidiaries such as bKash, Western Union etc. are competing within the sector and beyond globally, which is the ultimate reward of the 21 st Century. In order to sail through tough competition and to sustain revenues, PCBs are engaging more than that of other kinds bank on adoption of IT in its business operation (The Financial Express, 2016). PCBs are making the most of economic lull by devoting resources to learning more about its customers' needs, wants, and expectations of their banking relationships. Rahman (2015) in his report reviews the determinants of bank selection by educated age group population in Bangladesh. He concluded that since IT utilization is more appealing to educated young generation than that to older ones, PCBs are targeting customers in city areas for potential customers.
2. Literature Review
ii) Security ensured
iii) Confidentiality maintained
iv) Reliable service
v) Users were instantly alerted to consequences
vi) Hidden charges evolved from Self-service banking
vii) bKash is hassle free for money remittance
3. What is On-the-Go or Digital Banking? Why Is It?
4. Fees, Hidden Charges, Hacking & Heist of Bank Accounts
2. Money transfer charges when account is involved with another bank
3. Debit Card annual fee
4. ATM usage charges for exceeding certain numbers of usages
5. Email / SMS alerts charges in the future
6. Bank statement charges if customer asks for a statement
7. Charges for Debit Card decline due to insufficient funds
8. Charges for international usage of debit card or credit card
5. Importance of the Study
Survival of the fittest: what can be done in this scenario?
6.Theoretical Background: Theory of Consumer Choice & Behavior in Economics
6.1. Consumer Choice and Utility Maximization
Rational customer choices play a significant role in the study of microeconomics. It serves an important role in explaining the proposed model, voluntary insurance program in digital or on-the-go banking services in market competition of banks sector. The concept of customer choice in microeconomics helps to examine various bundles of two goods or services to which a customer is indifferent given a budget constraint. Understanding what bundles of banking-services a customer would be indifferent between is very important for understanding when a customer would be likely to participate in the proposed voluntary insurance program. More specifically, a bank customer would likely to participate in the said program in an aim to be certain on receiving risk-free digitized or on-the-go banking-services. The magnitudes of customer's knowledge on probable consequences of the on-the-go banking in market competition globally can be proportional to the magnitudes of choices for being risk-free in practice. In other words, along with monetary affordability, the best knowledge of the customer on consequences will enormously convinced the customer to participate in the proposed program. Here a better knowledge on consequences would lead to a higher participation in the proposed program in the digital banking-services, which would facilitate banks sector in multi faucets. Facilitation for increased digitized or on-the-go banking-services in practice can lead the banks to marginalize its operating cost significantly in one hand. On the other hand, it allows contributing to the technological progression globally for the better-ness of the human kind in society.
Figure 1 represents an Indifference Map of a bank-customer who can choose banking-services that is either digitally facilitated (modern banking-services) or not digital (a mode of traditional banking-services). Here the choices of using digital banking are for maximizing the purpose that has convinced the customer choosing the digital services. Similarly, the choices of using traditional (non digital) banking are for maximizing the purpose that has convinced the customer choosing the traditional banking-services.
Figure 1: Indifference Map
This indifference map indicates the various bundles of service X and service Y that the customer is indifferent between. Specifically, here X represents a digital banking-services and Y represents a non-digital baking-services in market competition. In this case, service Y is traditional by nature and it is risk-free, however, it does ensure meeting the 21st Century banking needs in human life-style. Furthermore, the traditional banking does not make the customer to feel warm glow. Conversely, service X is a modern approach and it is full of risks. But it definitely ensures meeting the 21st Century banking needs in human life-style. Here the risk means possibilities of losing money or getting imposed additional or unreasonable costs including hidden charges & fees etc. to customer's account. In recent months or years, this severity is going further including revenue-driven unethical charges & costs evolved from hacking theft, cyber attacks on customer or organization or corporate account. In an evidence based studies on a product say X, which is a reward of modern lifestyle, Konow (2006) concluded that usage of this service X can make for some customers to feel "warm glow", however, it cannot be achieved when a customer chooses to use service Y in life-style.
In this scenario, bank customer may desire service Y while service X is being digital to the customer, which is full of risk. However, this customer misses the benefits of using on-the-go banking services. Secondly, the choice Y put the customer in traditional approach, which may identify the customer as backdated, which is conflicting to feeling "warm glow" to some customers. These scenarios raise question: what would a rational customer do in a competitive market economy? (See Figure 3 for more specific example)
Rational customers are always making decisions to maximize their utility, or choosing the bundle of service where their indifference curve lays tangent to their budget constraint BC1, BC2, or BC3 shown in Figure 3. The budget constraint represents an individual's marginal rate of substitution or how much of service Y they would have to give up getting more or additional service X while still maximizing their utility. In banking-service scenario, the budget constraint represents customer's marginal rate of substitution or how much "risk-free" or "warm glow" services the customer would give up to use more digital banking-services. Any point to the left of the budget constraint will leave the individual with utility lower than what their budget constraint will allow them to achieve. Conversely, any point to the right of the budget constraint is not feasible given an individual's budget constraint.
Understanding a customer's indifference maps is vital to understand their willingness to prefer using the digital banking-services in this study. For some customers, there may not be any way to compensate them enough to the point where they are maximizing their utility. This is where the discussion of "warm glow" becomes a vital factor. For some customers, utility may still be maximized even if they can't use risk-free services. This is a result of the sense of knowing that they are no longer backdated using bank-services no matter what age group they are in. They feel that they are successfully coping up with changes for better-ness of their life-styles as well as for human kind. They also feel "warm glow" in such way contributing to the progression technology and they have done their duty in enhancing the facilitations for other members of human society.
6.2. Risk and Uncertainty
Risk and uncertainty play a very influential role in setting the stage for our proposal, Voluntary Insurance Option in banking services. For the purpose of this paper, it is assumed that bank-customers are risk-averse, i.e., they prefer certainty to uncertainty when it come banking. Figure 2 illustrates the risk preferences of a risk averse-customer.
In a world of uncertainty, a customer's actual utility that he receives from digital services will never fall on the TU (X) but rather on the chord (the bold line). Xg represents a service outcome in which customer may use a certain level of service X while Xf represents a negative outcome in which customer may use less of service X. As long as there is a level of uncertainty that a customer may not use Xg units of service X, the utility that this customer receives will lie somewhere on the chord (the bold line).The chord represents the expected utility (EU) of using service X, which lies in the concavity of the curve because it is the average probability that the customer will use service X or not. As a result, an individual will never receive TU (Xa) but rather EU (Xa).
Figure 2: Risk Aversion Scenario
7.Voluntary Insurance Option for Risk-Free Digital Banking Services
Some customers may not use the on-the-go banking-services simply because they do not want to or they are not obligated to do because of, I would say, inherent risk involvement using the services. This is especially true for the relatively new and older aged traditional minded customers. This is because they may not have skills in using the services that more young generation have. Secondly, the Financial Express (FE) (2016) reported in its news-page that there was a growing number of complaints relates to digital banking. It concluded that these complaints have been undermining the progression of digital banking and causing huge monetary losses and making the approach to be inefficient in operation. As a result, it is essential that a system be instituted that will give customers a sense of enhanced security for increased digital banking services. As a foundation, our proposal is aimed at helping all users including the new ones to achieve an optimal utilization of on-the-go services, which will allow them to grow. So, what is it? How does it work?
The proposal should be known as a Voluntary Insurance Program in the 21st Century market competition of financial sector. Since customer's participation is absolutely voluntary, under the program, insurance will be attached to customer's account, if customer wants it. Under the program, the bank will take extra measures for ensuring risk-free on-the-go banking services. For example, ATM Card or Credit Cards can be protected by setting two identifications such as password and a finger-scan. Suppose, a customer wants to use ATM card where in order to access his account, the customer will have to use two identifications namely own setup password and previously chosen finger-scan say his thump or forefinger scan. Here finger scan in addition to password can be connected to the ATM system, which will make the on-the-go banking services to be enhanced secure. In aim to overcome the risk of heist or hacker's access to bank accounts, under the proposal, similar own set up identifications can be used. In global banking cases such as remittances, a third party can introduce the program and provide services so that risk-free on-the-go or digital banking can be ensured.
Insurance was developed as a way of transferring the risk away from its premium-payers. The primary goal of insurance is to provide the premium-payers with a sense of certainty, which is almost always preferred to uncertainty. With this maxim of an insurance program, implementation of the proposed model: voluntary insurance program can ensure an enhanced security of digital banking services no matter what country or economy we live in.
8. How Does the Proposed Model Work?
How the proposed model works is that while opening a bank account, individual may choose the option of digital services by signing up along with the insurance program. Signing up with insurance program is absolutely voluntary. Here the participant will be paying say 1.00 TK as insurance premium monthly. This amount of the premium is an additional to the yearly bank-service fees that are charged by many banks in most of the countries including Bangladesh. By signing up, the bank and the customer (on-the-go service receiver) get into the contract where the customer now finds his on-the-go services to be protected, which ensures the customer to be risk-free. Taking another example of applications of the model is that in case of remittances, customer, if not a bank accountholder, may choose the option of the program and pay instant premium so that the remittances can be covered under the program.
Rather detailing on how the program would work, at this stage it is important to discuss the risk-free preferences and the internal forces driving and individual's decision to participate in the program. First of all, for the sake of this model, we will assume that all individuals are risk-averse. That means, they will always prefer a certain outcome to an uncertain outcome. Additionally, this model will ensure extra utility to those individuals who get a sense of "warm glow" from using the digital services. This is because, warm glow is defined as an increase in utility resulting from enjoying modern life-style embedded with digital banking in addition to utility generated by having risk-free (insured) banking services. Warm glow individuals get utility simply from the act of using it. Thus, once access is confirmed and usage is made, 'warm glow' individuals have received their maximum utility and they are indifferent between traditional and modern banking services. Conversely, customer, who does not feel 'warm glow' but uses secured digital services, would gain utility from knowing that their access to digital are risk-free and then from using the services. Based on ideas of risk-aversion and utility maximization, it can be stated that if the program can transfer the risk away from the customer, the customer will have more incentive to use digital services, which can contribute to digital or IT progression globally, which can be a win-win for human kind.
Figure 3: Insured A's budget & Indifference map
To begin our model, let us assume that Figure 3 represents customer-A's indifference curve. Here customer-A has a budget constraint of BCA1 (without participation in the program) or BCA2 (with participation in the program). ICA1 and ICA2 represent the various bundles that customer-A is indifferent between, where customer-A can either consume XA1 or XA2 but never get ripped off in the digital banking system. This is allowing beneficiary (the society as a whole) to consume Xg1 or Xg2 of X services. Here Xg1 < Xg2, this is because digital services progression continues. The customers as a group of whole (where some signed up with program and others not) can consume Xg1 where Xg1 < XA1. This is because of customer-A's participation in the program, the number of users of risk-free digital services progresses and the IT innovation continues as a result of now few customers use traditional banking. The society as a whole (where some are signed up and others not) consumes Xg2 and customer-A consumes XA1 when the customer-A participate in the program where Xg2 < XA2.
As Hal R. Varian (1992) reports, using the Von Neuman-Morgenstern model for expected utility, it is possible here in this study to hypothesize the expected level of utility that an individual receives from participating in the program. Since there is a certain level of uncertainty, because not all customers are participating in the program, the utility that a participant receives from participating will lie somewhere on the chord (the bold lines) as the Figure 4 displays the scenario below.
However, before we move on we must return to the ideas of 'warm glow'. Also, we spell out here that this analysis addresses the ideas of 'altruism', 'impure altruism' and 'warm glow' factors separately.
Figure 4: Expected utility of an insured and Beneficiaries of digital or IT progression in society
This is because of the nature or characteristics of the good or service. Here service X (where X is risk-free because it is covered by insurance) is not a free good or service rather it is a private good or service. Thus, as a foundation of Andreoni's (1989) report findings, in this case, the 'warm glow' & 'impure altruism' arguments are very much relevant at least in case of risk-free services such as digital banking services. This is because consumers are getting ensured services or risk free services because they are paying for it. In contrast, the altruism ideas can be incorporated into here saying that the attitudes of this group of customers appear to be personal towards others. Here individual's utility function is consistent with non-warmly manner that possesses important social characteristics. As Konow (2006) reports that due to non-paternalism presence in practice, it is a result of altruistic social interactions with others. And in this case they are paying for services and its utility is coming from the usages of the services only.
The ideas of 'warm glow' is relevant and important because here customer will not fully feel 'warm glow' if he uses just digital but not fully secured digital services where risk-free services are not free of charges. Logically, uninsured digital-service-user will be always worried about running into rip-off or being hacked all the time, which is an opposite of being 'warm glow' environment. In this case, the individual's utility will accumulate from using the services and feeling warm glow of having digital and risk free services under the proposal.
The ideas of 'impure altruism' are a mix of 'altruism' and 'warm glow'. Some customers in digital banking may choose not to sign up for the voluntary insurance program but use the digital services. This is because simply say, they cannot afford it. Here they want to feel warm glow even though they know that the services not to be risk-free in general.
Therefore, this study analyses issues of utility & risk factors in cases of three groups of customers: i) customers who do not really care about 'warm glow' but want to have risk-free digital banking meeting their needs in daily lives ii) customers who do care about 'warm glow' and want to be risk-free in digital banking to meeting their daily needs iii) customers who want to have digital banking to meeting their daily needs and feeling 'warm glow' but do not want to spend money for being protective (not insured). Here
i) Should be altruism à evaluate others based on own preferences least care warm glow, as it is shown in Equation 1
ii) Warm glow preference à carry both, as it is shown in Equation 3
iii) Digital but cannot effort insurance
The first group will always receive TUXf or TUXg because the only factor contributing to their utility function are that they use digital banking services, which carries no risk and how much of service X they are able to consume (see utility function equation 1 below). This is because the attitudes of the first group appear to be personal towards others. Here individual's utility function is consistent with non-warmly manner, which is a result of altruistic social interactions with others, a foundation as it was reported by Konow (2006) in his report.
The second group's utility function comprised of how much of service X they can consume as well as the beneficiary consume under the program after choosing to participate in the program. In this case, when people make decisions on private goods or services, there may be many factors influencing their decisions other than altruism. As Olson (1965) noted, people are sometime motivated by desire to win prestige, respect, friendship and other social & psychological objectives. Warm glow factor in human life has been acknowledged in literature, the most common approach has been to assume that preferences depend only on private consumption. The utility function, Equation 2, shows second groups' utility of usages of digital services along with its experiences of warm glow.
The third group is an 'impure altruist' where 'impure altruist' is essentially a hybrid of a pure altruist and an individual that experiences "warm glow" having digital banking services in meeting needs of life-style, which is shown below in Equation 3. However, this group does not pay for having protective digital services and thus they do not participate in the program. Therefore, individuals utility accumulate from usages of X services and from experience of 'warm glow'. Since the services received here is not insured or risk-free, the individual experiences a lower level of 'warm glow' that that of the second group who maximizes experience of warm glow.
Therefore, weighting the utility from digital usages, the second group's utility (i.e. expected utility) places first, then the third group's utility (expected utility) and then the first group's utility (expected utility) places the third position. Here mathematically, altruist's utility < impure altruist's utility < warm glow's utility. This is because the digital banking services is one of the rewards of the 21st Century where besides meeting needs of modern life-style, it is embedded with social status and monetary costs. Another reason is that it is a private services, not free good. Thus, better quality services can effectively be consumed or used by individual who can afford it where the most common approach has been to assume that preferences depend only on private consumption as it was pointed out by Olson (1965).
UD = U(X) + g (θ) (1)
UD = U(X) + f (α + θ) + g (θ) (2)
UD = U(X) + f (α + θ) (3)
Where U(X) is the utility an individual receives from consuming service X, α is participant's premium paid and θ is the benefit that the beneficiary (customer) receives.
With the aforementioned setup, while a customer who does not care 'warm glow' issue (warm glow factor cannot influence his decision) will always receive utility TUXf. The utility that the customer who does not participate in insurance program but use the digital banking (not risk-free) will be between TUXf and EUXa The utility that the customer who participate in the program will be EUXa and TUXa. Both impure altruist and warm glow group's utility will lie on the chord of the Figure 4. Here since the impure altruist's utility function also includes the utility they gain simply from experiences of warm glow, the impure altruist is going to receive more utility than the pure altruist. As long as the insurance policy pays enough back to the participant in the event of a failure, this gap will be filled giving participants (who wouldn't have participated without the voluntary insurance option) the necessary incentives to allow to use on the-go services while still maximizing their utility.
9. What Does the Effort for the Current Study Convey?
The intention behind the proposal in this study is to convey no dispraise of the work done or in any way to disparage the consumer behavioral theories which the passing generation of social scientists has elaborated. This effort is not to ridicule the great and admirable body of knowledge which the passing generation has brought under the hand of the science, especially, human behavioral science. But this effort is only to indicate the direction in which the inquiry in its later phases, not always with full consciousness, is shifting as regards its categories and its point of view. The discipline of life in the 21st Century society, particularly the digital life, strongly reinforced by IT, has divested our knowledge of non−human phenomena of that fullness of self−directing lives. It was once imputed to them, and now it reduces this knowledge in terms of incomprehensible causal sequences. It has thereby narrowed the range of discretionary teleological action to the human agent alone. Therefore, it is compelling our knowledge of human conduct, in so far as it is distinguished from the non-human, to fall into teleological terms. Food, pounds, calories, geometrically progressive procreation and doses of capital have not been replaced by the equally ill-mannered denominations of habits, propensities, aptitudes, and conventions. And there seems to be no probability that they will be superseded in the future. But the discussion which continues to run in terms of the former class of concepts is in an increasing degree seeking support in concepts of the latter class where the intention of the efforts serves as a driving force for further progression. In this facet, the intention behind our proposal in the current study is no different and it opens up for discussion and welcomes comments.
In addition to carrying out preliminary comments to the proposal, a further study can lead to cross examine some hypotheses such as: whether and how strong on-the-go banking users respond to the proposal "voluntary insurance program in an attempt to ensure risk-free on-the-go banking services", which can be introduced by PCBs?
10. Conclusion
While banks have done a relatively good job providing digital services, there is still some serious pitfalls related with it is the most important problem being the riskiness. Banks have overcome market failures, asymmetric information and issues with trustworthiness, but its customers and its lifelines are still facing considerable risk and uncertainty. In this day and age, when every penny matters to some individuals, banks need to do everything in its power to make itself more attractive to customer if it has any hope in surviving in market competition. However, in recent days, we have seen cyber attacks on bank accounts, for example, hackers in Bangladesh Bank cyber hacked about 81 million dollars.
While the model presented in this paper provides a solid starting point for making on-the-go banking services more attractive, the fact of the matter is that it is a very novel concept in need of further research. And so doing, we shall know whether or not it could be helpful overcoming an ever present risk in digital banking. However, with some work and the implementation of this model in banks as a way of gauging usefulness of digital banking, this model can be used by both large and small banks. This model provides potential customers with the necessary incentives to allow them to use digital services while maintaining their optimal level of utility. By transferring the risk away from the customer to the service-providers, potential customer's risk preferences will be swayed in a way that will benefit both the customer as well as the service-provider. By transferring the risk, potential customer will have an increased level of utility even in the event that the banks fail to secure. By so doing, the PCBs will be able to attract potential customers that were on the brink of using digital banking but just felt as though it was too risky without having some sort of insurance.
As noted in many studies, like any new ideas, fine tuning and adjusting some of the concepts is necessary to create an effective tool to be used by service-providers. However, the model presented in this paper is well on its way to becoming a tool that every bank as well as customer should use on its path towards achieving long-term benefits, allowing banks to provide the services to its customers as it was initially intended to do.
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Unbreakable Kimmy Schmidt Season Three
After two successful seasons, Unbreakable Kimmy Schmidt has firmly established its quick sense of humor and unique, pastel style. Instead of a major shift, season three finds creators Tina Fey and Robert Carlock buckling down on the show's quirks. As we travel deeper into Kimmy's world, its flaws grow more pronounced, even though its charms remain as irresistible as ever.
It's been two years since Kimmy was rescued from that fateful bunker and was introduced to the modern world. Her naivete and stunted emotional growth has served as the ultimate source of both humor and plot for the bulk of the series. But as the saying goes, the show must go on, and the time has come for this charming Midwestern gal to grow up. Season three finds Kimmy trying to do just that, beginning her college search and planning her career. Unfortunately, her traumatic past continues to haunt and suffocate her.
And she's not the only one suffering from an life crisis. Her roommate/BFF Titus is back early from a failed gig on a cruise, and must struggle with his own selfishness as his relationship with construction worker Mike hits a major rough patch. Their landlord Lillian fights against the gentrification of their seedy neighborhood, fearing that progress would only lead to the destruction of all that she holds dear. And former trophy wife (and Kimmy's old employer) Jacqueline deals with her new boyfriend's rich, horrible family as she works to change the name of the Washington Redskins.
Sound heavy? It could've been, but Unbreakable Kimmy Schmidt is far too frivolous to be taken seriously. Jokes, references, and physical comedy fly from the screen at such volume that it's difficult to process them all. That will always be the series's purpose, and it's better than ever here. The core quartet of characters are so well established at this point that the ridiculous interactions and deliveries feel effortless. Titus, a fan favorite since the days of "Pinot Noir," is especially brilliant here: his absurdly dramatic war against physical activity, nerds, and scurvy supplies most of the laughs throughout the thirteen new episodes.
And yet, that consistently great humor, alongside the bubbly music and setting, ends up clashing with the more adult themes that surface throughout the season. There are bits on sexual misconduct in the workplace, feminism (this has always been a staple of the show, but it is expanded upon here), liberalism on college campuses, and romantic infidelity. Sometimes, these subjects are incorporate well into the tone of the show, but other times the bits fall flat.
Season three of Unbreakable Kimmy Schmidt is not disappointing, but it does call into question the show's future. Right now, there's some tension between the light, optimistic delivery of the show and the mature content it's beginning to cover. As the writers inevitably start work on the next installment, they need to take a decisive stance on what kind of comedy Unbreakable Kimmy Schmidt really is.


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Posted on Thu, Oct 17, 2019
Jr High Prayer & Play Rescheduled
The Jr. High Prayer & Play has been rescheduled. It will take place at the church on SATURDAY - October 19th from 6-8 p.m. NOT Friday.
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Here we aim to give you everything you need for a highly effective workout in a format that uses so many different training types that even though the workout is long, it's impossible to get bored. After a quick cardio warm up, we move into a HIIT routine, followed by a thorough abs, obliques and lower back workout, next onto a total body strength workout, finishing up with a cool down and stretch.
No muscle group is left unworked and all you need is a set of dumbbells - even if you don't have a set of dumbbells, this is still plenty of a challenge with just bodyweight.
We did something in this 1000 calorie workout that we've never done before. We did the routine together so that one of us could show the advanced version of each exercise, while the other moves through the routine doing a low impact version of everything that is more accommodating for the immediate level exerciser or for those who need less jarring impact on the joints. Choose your level of difficulty, and move back and forth between the two levels if you need to in order to make it appropriately challenging for you specifically.
Remember to push yourself, but to listen to your body and feel free to stop and take extra breaks if and when you really need them. Sometimes even stopping for a few seconds can give you the extra energy you need to push through the end of an active interval. If your form ever starts to suffer, take a quick break before jumping back in; all throughout the routine but especially during the strength training, good form is important.
1000 Calorie HIIT Workout Part 1
There are 10 different exercises of 40 seconds work and 20 seconds high knees, so there's no rest.
1. Burpees 40 sec + 20 sec high knees
2. Kettlebell Swings (or another round of Burpees if you don't have weights) 40 sec + 20 sec high knees
3. Jumping Jacks 40 sec + 20 sec high knees
4. Spiderman Push-ups 40 sec + 20 sec high knees
5. Jump Squats 40 sec + 20 sec high knees
6. Mountain Climbers 40 sec + 20 sec high knees
7. Plank to Push-up 40 sec + 20 sec high knees
8. Alternating Lunges 40 sec + 20 sec high knees
9. High Box Jump (use your stepper or a chair to jump on it) 40 sec + 20 sec high knees
10. Plank Jacks 40 sec + 20 sec high knees
1000 Calorie HIIT Workout Part 2
There are 10 different exercises of 50 seconds work and 10 seconds rest.
1. Sumo Dumbbell Squat (or just Sumo Squat if you don't have weights) 50 sec + 10 sec rest
2. Plank to Push-up 50 sec + 10 sec rest
3. Right Leg Glute Bridge 50 sec + 10 sec rest
4. Lunge and Front Kick (right leg) 50 sec + 10 sec rest
5. Left Leg Glute Bridge 50 sec + 10 sec rest
6. Lunge and Front Kick (left leg) 50 sec + 10 sec rest
7. Weighted Glute Bridge (or just Glute Bridge if you don't have weights) 50 sec + 10 sec rest
8. Weighted Lunge Twist (or just Lunge Twist if you don't have weights) 50 sec + 10 sec rest
9. Weighted Glute Bridge again (or just Glute Bridge if you don't have weights) 50 sec + 10 sec rest
10. Jackknife Sit-ups 50 sec + 10 sec rest
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text: Ways to Raise Your Credit Score October 30 2018 Angie Ordonez General Buying a new home is an exciting time. It can also be stressful if you are unsure about your credit or know that your credit is not as high as you'd like it to be. Your credit score is one of the biggest factors in how much of a home loan you can qualify for and the interest rate you'll pay. The good news is there are easy ways to increase your credit score. By following a few tips, you can make sure your report accurately reflects your use of credit and create a plan to improve your scores if necessary. • Check for Errors – Errors on a credit report is very common. Make sure that everything is current and accurate. • Pay Down Credit Card Debt – One of the easiest ways to boost your score is to lower your credit card balances. Aim to have no more than 50% of available credit in use. • Remove Negative Accounts – If you have old collections or bad debt, negotiate with the creditor to pay some/all of the debt in exchange for removing the record. • Keep Old Accounts Open – About 15% of your score has to do with how long you've had credit accounts. • Pay on Time – This might sound simple, but always pay your bills on time. By understanding what affects your credit, you can make real changes which will increase your score. If your credit isn't where you want it to be and you are hoping to be able to buy a home in the near future, it is always a good idea to speak to a loan officer. Some loan officers even have programs that they can place you in to help improve your credit score over time. Credit issues do not have to last forever.


text:
Johnstone, Justine (2001) Cultivating recalcitrance in information systems research. In: Russo, NL, Fitzgerald, B and DeGross, JI (eds.) Realigning research and practice in information systems development: the social and organizational perspective. Kluwer Academic, Dordrecht. ISBN 9780792374206Full text not available from this repository.
|Item Type:
|Book Section
|Schools and Departments:
|School of Business, Management and Economics > SPRU - Science Policy Research Unit
|Depositing User:
|Justine Johnstone
|Date Deposited:
|06 Feb 2012 20:26
|Last Modified:
|04 Oct 2012 11:40


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A new addition to the design-centric Sheung Wan area will appeal to anyone with an eye for bespoke beauty
Long known for its antique-oriented businesses, Hollywood Road – where a number of galleries have sprung up in recent years – has gradually developed into a contemporary art district. DeeM, a new store in the neighbourhood offering collectibles, exclusive original artwork and vintage pieces, is a perfect match with the vibe of the area.
So what's DeeM all about?
Debra Little is a Hong Kong-based interior designer and in her interior work, she has always designed products, sourced all aspects of interior furnishing, and commissioned artists, so DeeM is a natural progression.
What makes DeeM different?
With 25 years' experience in interior design, Little carefully curated a collection that reflects her eye for detail, her passion for designs that transcend time and her appreciation for both old and new furniture, lighting, objects and art. The product range is diverse yet keenly focused – a fine balance between the contemporary and the classic.
So art is a crucial component?
DeeM has made the deliberate gesture to exhibit the artists' work among the furniture and objects, showing customers how to live with art. We want visitors to browse through our selection and discover the unusual and the unexpected. We represent artists we love – from the contemporary to historic – with work that we feel has a real point of difference to what's currently on the Hong Kong market, but is complementary with our vision.
How does the interior design contribute to DeeM's mood?
The stripped-back interiors reveal Little's love for authenticity and tradition. Building on the basics, she layered the raw shell with a rich palette of muted mauves, mustards, blue greens and warm greys, creating a very different shopping experience in Hong Kong's retail scene.
What kind of items will visitors find at DeeM?
An original 1970s sofa from modern American designer Edward Wormley with a Jack Lenor Larsen velvet upholstery, era-defining 1930s plaster busts from New York sculptor Walter Rotan, a 1940s outdoor rocking chaise by Walter Lamb as well as selected contemporary designers' work, including Bec Brittain's brass molecular shaped chandeliers, hand-cut Indian glassware, finely-crafted Australian furniture and Japanese ceramics.
Any of Little's designs available?
Little offers her own beautifully-crafted objects, light fittings and furniture here. Custom made from brass, wood, steel, resin and leather, the range is sculptured and sophisticated, raw yet luxurious. Several items also fuse the modern edginess with design classics.


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|April 24, 2008
View c7337a2747
added CRLF ping/pong keepalives aka SIP outboundAlfred E. Heggestad authored on 24/04/2008 13:51:26
|February 5, 2008
View 7498b4dc09
- avoid extra read syscalls (detect short reads) in poll_et or sigio_rt case (should improve performace) - if POLLRDHUP or EPOLLRDHUP are supported (linux >= 2.6.17) use them and avoid an extra syscall on EOF - on write error try to see if there's still some data in the socket read buffer and try to process it first (if there's no more data do a quick connection destroy)Andrei Pelinescu-Onciul authored on 05/02/2008 21:47:29
|January 12, 2008
View 6a8978e53c
- tcp optimization: in tcp_reader try reading from a fd immediately after receiving it (since it receives it only if there's data waiting on it => avoids a few sys calls before starting readingi or for a bad connect attempt)Andrei Pelinescu-Onciul authored on 12/01/2008 15:17:40
|January 8, 2008
View 057063e685
- tcp: fix local timer intialization (proper prev_ticks init.)Andrei Pelinescu-Onciul authored on 08/01/2008 13:11:30
|December 22, 2007
View b4fa727e63
- fix: tcp fd cache: don't cache own fd in a tcp_reader - various cleanups/better error messagesAndrei Pelinescu-Onciul authored on 22/12/2007 08:11:14
|December 21, 2007
View 316130a735
- fixes: - on io_watch_add overwrite error don't delete the previous fd hash entry + more error debugging info - return proper len on pending connect (instead of -1) - tcp_reader: always check if a connection was marked as bad and if so release it immediately + error checks for io_watch_*Andrei Pelinescu-Onciul authored on 21/12/2007 23:27:13
|December 11, 2007
View 8b0472d783
- local_timer cleanup (always use local_timer*, don't mix them with timer_*) - tcp fix: clear the write watch flag after empting the write buffersAndrei Pelinescu-Onciul authored on 11/12/2007 20:11:01
|December 5, 2007
View 9188021ac6
Initialize and destory the configuration framework in main.c, and update the local config within the child processes at the beginning of each loop.Miklos Tirpak authored on 05/12/2007 15:51:24
|November 29, 2007
View a0553f4e1e
- io_wait support for write - io_wait: added io_watch_chg(..) - updated tcp code to the io_wait api changesAndrei Pelinescu-Onciul authored on 29/11/2007 21:01:45
|November 27, 2007
View 5c5cd7369d
- for tcp read processes, reuse the read fd for sending - keep a tcp send fd cache (experimental) (performance improvement)Andrei Pelinescu-Onciul authored on 27/11/2007 21:05:32
View ccb7fda23b
- switched to much better tcp timers (performance increase especially with tesn of thousands of active tcp connections)Andrei Pelinescu-Onciul authored on 27/11/2007 07:23:27
|July 4, 2007
View 3e99928136
- added register_fds(no), used to register the maximum numbers of fds opened by a module (on a per process basis). Needed for code that needs to know the maximum possible open fd number (like the tcp code). - added get_max_open_fds()Andrei Pelinescu-Onciul authored on 04/07/2007 17:27:33
|February 21, 2007
View 49d12f5fef
- fixed get_ticks* usage: only get_ticks_raw() must be used and everything must be converted to ticks. Thanks to Alfred E. Heggestad" <email@example.com> for spotting this.Andrei Pelinescu-Onciul authored on 21/02/2007 01:42:25
|February 20, 2007
View 1eee4c4ddb
- fixed wrong expire time calculation (not correct when tick oveflow, an timeout == some value before the overflow). This should fix the connection lives forever bug reported by Alfred E. Heggestad <email@example.com>.Andrei Pelinescu-Onciul authored on 20/02/2007 18:20:15
|February 16, 2007
View 301fa31498
- minor: nicer error handlingAndrei Pelinescu-Onciul authored on 16/02/2007 21:34:13


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It was love at first sight … even if they had no idea.
In 1995, two 3-year olds accompanied each other down the aisle as flower girl and ring bearer at a Minnesota wedding. The ring bearer was the bride's godson, and the flower girl was the daughter of a close friend.
This past weekend, nearly 20 years later, Briggs Fussy and Brittney Husbyn, both 22, walked down the aisle again, but this time as bride and groom.
The couple, who both say they do not remember each other from that first wedding, wouldn't meet again until 2007. Fussy transferred to Husbyn's high school and the two were in the same government class.
"She turned around one day in class and said, 'I think I have a picture of you on my wall at home,'" Briggs told Fox News.
Both grew up with the same picture of them hanging inside their homes.
"It's fun to have something special like that to look back on," Husbyn told MyFox9.
The two didn't start dating until their junior year, and eventually separated to attend different colleges. Briggs started out at University of Wisconsin, LaCrosse, but soon returned home to attend Minnesota State University, Mankato with Husbyn.
"I knew I was going to marry her," Briggs told CNN.
The couple have been enjoying the attention garnered from their remarkable love story.
"I'm pretty cheesy when it comes to love stuff, I'm not going to lie," Husbyn told CNN.
"Everybody loves it — especially my godmother, she takes all the credit," Fussy said to ABC News. "We will definitely print out the articles and keep them around. I'll show them to my kids."
Unfortunately the couple wasn't able to create a similar scenario for their own flower girl and ring bearer.
"They're related," Briggs told MyFox9, "so it's not going to be the same story."


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The Field ID Mobile App is available for the following platforms:
|iOS devices
|Android devices
The Field ID mobile app functions on iOS 11 and up, and on Android 4.4.2 and up.
We recommend users enable auto-updates in their device settings to ensure an optimal experience with the eCompliance mobile app.
The Field ID mobile app is not available for Blackberry or Windows phones. Please contact Support or your Success Coach with any questions you have regarding mobile compatibility.
If you will be using Field ID to scan RFID tags you will need an NFC-enabled mobile device or third-party handheld RFID reader.
Local device storage may affect the user experience.


text:
On Handle Created(EventArgs) Method
Raises the HandleCreated event.
virtual void OnHandleCreated(EventArgs ^ e);
protected virtual void OnHandleCreated (EventArgs e);
abstract member OnHandleCreated : EventArgs -> unit
override this.OnHandleCreated : EventArgs -> unit
Protected Overridable Sub OnHandleCreated (e As EventArgs)
Raising an event invokes the event handler through a delegate. For more information, see Handling and Raising Events.
The OnHandleCreated method also allows derived classes to handle the event without attaching a delegate. This is the preferred technique for handling the event in a derived class.
Notes to Inheritors
When overriding OnHandleCreated(EventArgs) in a derived class, be sure to call the base class's OnHandleCreated(EventArgs) method so that registered delegates receive the event.


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Crime & Legal
Transvestite Lover Sought in Stabbing, Suicide? Death of Russian National in Phuket
PHUKET – The body of a Russian National, Mr. Fedor Vasilev, 33, was found with multiple stab wounds to his chest at the Royal Crown Resort in Patong in Phuket on Wednesday morning, along with suicide notes – and no sign of his Thai transvestite partner.
Police at Kathu were informed of the death by the Royal Crown Hotel on Na Nai Road in Kathu district at about 6am.
Fedor Vasilev was face up on his bed in Room 142 on the second floor of the hotel, clothed in a white jersey, a grey shirt, jeans and leather shoes.
Police said there were deep cuts to his wrists and seven stab wounds in his chest. A fruit knife and three suicide notes were found near the body.
Kathu police chief Pol Col Jeeraphat Phochanaphan said the Russian had stayed at the hotel with his transexual partner, named as Mesa Phromkerd, a 38-year-old native of Nakhon Si Thammarat province.
There were no traces of a fight in the room, and there was a receipt for the purchase of a knife from a Big C store on Aug 8.
Pol Col Jeeraphat said investigators were looking for the transvestite lover, and would decide on the evidence of whether the man committed suicide or was murdered.


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Mike Epps Providence RI Tickets
Mike Epps is a multifaceted American star that juggles a major career as a standup comedian with minor trades in music and acting. Born as a naturally witty being, Epps' comic gestures, strips, impression and gimmicks took him from family time to local club comedian acts. He moved from hometown Indianapolis to Atlanta and cemented his credibility at the Comedy Act Theater. Finally he moves to New York to perform at the Def Comedy Jam. This trip embarked him on comedy tours with the club and HBO broadcasts. His fresh comic approach earned him hit flicks like Strays, Next Friday, Dr. Dollittle2 and Open Seaon2 amongst others.


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Odisha is rich in culture and heritage; its contribution to art and architecture is huge! The state is noted for the unique temple architectures that are well-known in the tourism circuit. Now is the festival time and the time for Goddess worship. So, let us make a tour around three famous goddess temples in Odisha (Orissa) this Navratri 2016!
Jagannath Temple Complex
Photo Courtesy: Shiva-Nataraja
Bimala Temple, Puri
The mythological story of Sati's self-immolation is said to be the reason behind the creation of Shakti Peethas in India. These shrines have great importance in Shakta and Tantric traditions as the Mother Goddess is the centre of Shakta culture. Bimala or Vimala Temple located within the Jagannatha Temple premises in Puri, it is believed to be one of the four Adi-Shakti Peethas in India. Goddess Bimala Temple is located in the South West Corner of Jagannatha Temple complex and has always been an important shrine in Odisha. In fact, Goddess Bimala is the presiding goddess of Govardhana Math in Puri founded by Sri Shankarchaya.
How to Reach Jagannatha Temple in Puri
Jagannatha Temple is the most prominent religious places in Puri. The city is well-connected to other parts of the country.
Click: How to Reach Puri
Devi Ambika Temple and Devkund Waterfall
Photo Courtesy: Wiki GSD
Devi Ambika Temple in Devikund
Devi Ambika Temple is dedicated to Goddess Durga who is known as Ambika. This shrine is not just a pilgrimage site but also a famous picnic spot in Mayurbhanj in Odisha! A city named Baripada in the region of Mayurbhanj is popular for the grand Jagannath Yatra, similar to the one in Puri. Devi Ambika Temple in Devkund is perched on a hill along with a waterfall cascading below the temple. Devkund means the 'bathtub of Gods and Goddesses' and truly this is a picturesque spot in Orissa. Hence, Devi Ambika Temple is one of the famous Goddess Temples in Odisha.
How to Reach Devkund
Udala is the nearest town to Devkund. Buses are available from Puri and Baripada to reach Udala on a regular basis. The city of Baripada is around 60km from Devkund. Tourists can reach Baripada by train or bus and from there hire a private vehicle to reach Devkund. Visitors can also go to Udala by bus and take local jeeps from there to reach Devkund.
Tara Tarini Temple
Photo Courtesy: Nayansatya
Tara Tarini Temple
Tara Tarini Temple has a lot of significance for the followers of Tantric or Shakta traditions. It is also one of the four Adi-Peethas among the 51 Shakthi Peethas in India. Here the Goddess is worshipped in the form of Tara Devi.
According to mythology, Sati's breasts fell at this place and the shrine was created. Hence, Tara Devi is called as the Breast Goddess and the place is known as Sthana Peetha. Tara Tarini Temple is located in Berhampur at Ganjam and has a great importance among the devi worshippers.
Detailed Story of Tara Tarini Temple
How to Reach Tara Tarini Temple
Berhampur (Brahmapur) is located around 172km from Bhubaneshwar. It is one of the oldest cities in Odisha and hence well-connected with other places in the state. Tara Tarini Temple is around 30km from the Berhampur city centre.
Click: How to Reach Berhampur
On the eve of Navratri, goddesses are offered special prayers and worship. Dusshera or Navratri is one of the prime festivals which is celebrated all over India. These devi temples are unique and are the must-visit religious places in Odisha.


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Zach Watson is an author, a TEDx speaker, and a YouTube content creator. He is also an eighth-grade mathematics teacher with an undeniable passion for education. Zach's YouTube involvement began as a way to promote his book, Ideas over Coffee. Today, his YouTube channel Think Share serves as an outreach for adolescents. Zach describes his work as, "Remember when you where in grade school and you loved getting your teacher off on a tangent, partially because it got you out of learning, but you really enjoyed hearing your teacher talk passionately about something? That's the Think Share."
Think Share is inspired by his students, however people of all ages and walks of life can benefit from Zach's work. Zach discusses everything from mindfulness to current events and book reviews. He even created a music parody remix (with more to come)! Zach is drawn YouTube's endless opportunities. His contributions to the YouTube community have allowed him to create friends world-wide.
Zach exemplifies perseverance and dedication. His commitment to helping others drives Zach to publish fascinating content to Think Share everyday.
Zach's body of work is diverse, yet his message to viewers is concrete. His message is this:
The world is your playground and workshop. Who dare judges your creativity? What sense do they have? Experiment, play, and create at every opportunity. Utilize whatever resources you have. You may feel that engaging in the world is like exposing yourself to the cold. You may be afraid that raw-red vulnerability antagonizes the world to take advantage of your heart and dismantle your soul. Break past these fears. Your fragility is your strength, and your art is your warmth. Fear is instinctive. Creation is intentional. Choose a life of intention.
Zach is a Pathshaker.
YouTube Name: Think Share
YouTube Upload Schedule: Everyday
Channel Category: Books and Education, Lifestyle, Music, People and Blogs
Twitter: @extrawatson
Instagram: @zachthinkshare
Facebook: Zachary Watson Author
Permission was granted by Zach Watson to promote his work. All photos and videos were created by Zach Watson and belong to him.


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The tech giants previously announced their intentions last year, and now the service has been rolled out to battle - amongst other things - auto-played video and full page adverts online.
In a blog post published on Wednesday (14.02.18), Google's Chris Bentzel further explained the way the system will work, writing: "Chrome will automatically block ads on sites that fail the Better Ads Standards.
"When at least one network request has been blocked, Chrome will show the user a message indicating that ad blocking has occurred as well as an option to disable this setting....."
The decision regarding which ads will be blocked will be determined by the Coalition For Better Ads (CBA), which is made up of companies including the likes of Facebook and Google themselves.
Meanwhile, Emily Tan - an editor at Campaign magazine - has suggested that the ad industry is generally accepting of the move from Google, and how the ad blocker will actually work.
She told the BBC: "At first, people were worried that it would be implementing ad-blocking across the board. Now everyone has a clearer picture of what it does."


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This Camo top is not so basic as it looks! It is the perfect Camo top that can be dressed up with booties and jeans or can be stressed down with leggings and sneakers. It the material is lightweight & soft. Features a distressed look and a crew neck!
Also available in Regular Size!


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Born in Winnipeg, Manitoba, Mathers was a gifted athlete who played both professional football and hockey. After spending three years with the Toronto Maple Leafs during the late 1940s and early 1950s, Mathers began a long and rewarding relationship with the Hershey Bears. As a player, coach, general manager and president, Mathers did every possible job that went with running a hockey team.
On the ice Mathers became one of the AHL's all-time great defencemen, being voted to the all-star team on five consecutive occasions during the late 1950s. After he took on the dual role of player/coach the team won three Calder Cups. His greatest asset was remaining calm but still pushing players to reach their potential individually or as a team. He retired as a player in 1962 and turned his full attention to coaching. When he left the game, Mathers stood as the all-time assist and point-scoring leader among AHL defencemen.
Mathers was named president and general manager of the Bears in 1973. He continued to uphold the club's position as one of the league's elite operations. They won three more Calder Cups with Mathers in this executive role. After 43 years, Mathers retired from the game after the 1990-91 season. He was given his own special night in Hershey as the community came out to thank one of their greatest adopted sons. Mathers was presented the Lester Patrick trophy for his life long dedication to hockey in the United States. He was inducted into the Hockey Hall of Fame in 1992.
A TopicSite MapAccessible Customer Service PlanAdmission RatesAudio/Video VaultCorporate InformationDid You Know?DonationsDynastiesEducation ProgramElection ProceduresExhibits TourFace-Off Interplay Fan FeedbackGalleryGeneral InformationGroup SalesHonoured MembersHours of OperationInduction ShowcaseLegend SpotlightNewsNHL Player SearchOlympic Hockey HistoryOutreach ProgramPro ClassicsPromos & EventsRecords & RankingsResource CentreSilverware & WinnersSpirit of Hockey Retail StoreStanley Cup JournalStanley Cup TributeTeammatesThis Day In Hockey HistoryTime CapsuleVenue RentalsVisitor InformationWomen's Hockey TributeWorld of Hockey Calendar


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Laura Valters – South Barrington, Il
They did a great job on my small bathroom. I had contacted over 15 companies for estimates and while my project seemed too small for them it wasn't for Sunny Construction & Remodeling. Rafal and team arrived on time, and completed the job in two days. I LOVE the results. My tile floor is perfect. Rafal and team gave me suggestions that proved better than my original plans. What's more – once the job was done they took away all the job related debris so I didn't have to deal with it. I would recommend them to anyone who wants a quality job at a reasonable price.


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The Limerick stand Hotel wins Award!
The Limerick Strand came home with the Top award last night in Helsinki at the Employer's Award by the European Alliance of Apprenticeships.
The Awards are part of European Vocational Skills Week 2019 and highlight best practice and recognise excellence in Vocational Education and Training (VET) all over Europe. Executive Chef Tom Flavin and one of his Commis Chef Apprentices, Jose Mata, 2nd year apprentices studying under the National Commis Chef Apprenticeship Programme were there to accept the award.
"This is an fantastic achievement made possible by two parties, education & industry working hand in hand and endorsed in Europe with this award " said Bernadette Enright - Manager of Hospitality Campus, Limerick & Claire Education and Training Board.
The VET Excellence Awards highlight best practice and recognise excellence in Vocational Education and Training (VET) all over Europe. By showcasing the best examples of VET, they provide visibility and recognition for good work – and motivate individuals and organisations that work with VET. This serves to build new networks, expand existing ones, and create new career opportunities. Winners of the awards hold the prestige of becoming ambassadors in their field.
"The Limerick Strand Hotel was one of the first employers to engage with the National Commis Chef Apprenticeship programme when it was first launched in 2017. Since then, they have provided on-the-job training for apprentice chefs, supplying them with the required equipment, tools, resources and guidance to complete their apprenticeship assessments. The hotel is dedicated to the on going development of its staff, providing further opportunities for the apprentices to develop outside of their work by enrolling them in additional skill development courses" said Tim Finn, Chief Executive, Irish Hotels Federation.
Jose Mata, one of the apprentices employed by the Strand Hotel recently entered and won gold in the National Catex culinary competition. Apprentice mobility is encouraged and supported, with one apprentice each year given the opportunity to train in a Michelin Star restaurant in France for a month, developing advanced culinary skills.
"We are thrilled to bring this coveted award back to Limerick. Without leadership and training in our industry the chef shortage crisis will continue. We need to invest in our apprentices, allowing them to learn, grow and flourish," said Tom Flavin, Executive Chef, Limerick Strand.


text: Microsoft invests billions in R&D and now wants to seed the market of startups and small businesses by licensing its intellectual property. Microsoft has been licensing IP to larger firms, but the new Johnny Appleseed (no reference to Apple intended other than this is a good idea for Apple R&D as well) brings the company benefits in several dimensions. If a licensee does something worthy, Microsoft could benefit from royalties or an equity stake, buy the fledgling company or bury it by duplicating the efforts of the licensee. Patent king IBM, with 40,000 patents worldwide and $1.2 billion in annual revenue from licensing the IP. Among the patented code available for licensing are algorithms for correcting a digital audio stream to compensate for speaker driver characteristics, tamper resistant ID cards with biometric information, counterfeit-resistant optical fiber technology, face detection and tracking technology, intelligent mobile browsing of large images, a modeling tool for determining the lowest cost arrangement of physical building materials, online community technology and alternative text input and device navigation technology.


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Calling all confirmed teens!
The Second Year Confirmation Retreat is not only a favorite part of the Confirmation process for our candidates, but also can be a life-changing experience for all involved. We need YOU to continue to make this happen! Please consider coming on board our retreat team.
Tentative meeting times for 2019-2020 follow below:
Open your heart to the fire of God's love and come on board!
For more information or to sign up, please contact:
Shannon Jones at 201-407-6995 or
Email: firstname.lastname@example.com
'LIKE" the main church FB page: Stelizabethschurch
Follow us on Twitter: @StElizFlanders


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Meeting new people
Unlocking the secret to the art of flirting isn't as difficult as you may think. It is my intention to help Adults, who are single after divorce or death of a spouse. They may find themselves wondering, "How can I get out there and meet someone new?" Some people are just naturally social creatures. Flirting seems easy for these people. Have you ever heard the expression, "They've never met a stranger"? Before I continue, you should know that this post contains affiliate links, which means that if you click on or purchase one of the products links I'll receive some compensation which will support my addiction to all things coffee.
Others are not as socially adept. Introverts, Extroverts, and folks who fall somewhere in the middle can learn the art of flirting. It's not about having the perfect pick up line or knowing where the perfect place is to go to meet people.
Also, I think we sometimes make things harder than they have to be in life. Wouldn't you agree, answers to questions have been right in front of us all along the way.
Conversation Starters
It's more about being open to meeting new people. Meanwhile, I could make you suffer and wait until the end of this post, but I'll go ahead and share the secret. First, flirting is nothing more than being friendly. In fact, you don't need cheesy pickup lines or silly tactics to try to get someone's attention.
Just say "Hello. My name is… "You are?" And you are off and running. Chances are there's something about the situation you're both in that will allow you to make small talk.
I am a member of my local YMCA I meet new people there nearly every day. My friends and I have a shared interest in fitness and we exchange ideas about what works for us at the gym. We share information about classes we like, the equipment we use, and the things we love and hate about working out.
Here are some more ideas to get the conversation going:
- What do you do?
- How long have you been doing that?
- What led you to this line of work?
- Tell me about your hobbies
- What's your favorite food
- Do you like to cook
- Don't forget to smile
These are a few questions to get you going. Next, you should know an essential part of the conversation is about showing genuine interest, and when you are both engaged in the discussion, the conversation will bloom and come to life.
Opportunity awaits
Meeting new people is about the opportunity. Furthermore, you have the most opportunities when you open yourself up to try new experiences:
- Meeting someone through friends and family is one way to find friendship or begin dating.
- Interestingly, another great way to meet new people is to become a volunteer for a charity or organization you have a heart for helping.
- If you enjoy learning new things, there are classes at your local college and vocational school where you'll likely meet someone with very similar interests. Photography, painting and culinary classes come to mind.
- Opt for dance classes, ballroom, square dancing, hip-hop or line dancing to hear your favorite music and learn new dance steps.
- Another popular place to consider is golf courses. Not only is golfing great exercise, but it's also a lovely place to meet people.
- Ladies, here's an idea, if your interested in any kind of sport such as; basketball, baseball, or football, then going to the game may be just the place to meet the guy that could take your game to the next level.
- Gentlemen, if you enjoy gardening, you might find a local garden club to explore a potential new interest all while learning great tips to improve your gardening skills.
Being Friendly is the key
Being friendly is the key to unlocking the secret to the art of flirting. Say, "Hi, how are you. You look well today." You can tell if someone seems nice and would like to get to know them better.
Please feel free to join this discussion. You might be able to help someone find love or friendship.
Thank you for stopping by,
I'm Karen with Embracing Aging
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- be stronger
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Since I'm getting to the point of being ready to publish and I'm planning on going through Kickstarter, I'm working on trying to increase the awareness of the game I'm developing, Nightlancer.
Amongst other things, I'm considering getting in touch with various podcasters and bloggers to see if they're interested in getting the word out there. This could be through just increasing awareness by mentioning it, or sending a prototype for them to do a review, or conducting an interview (in voice or text) for their show.
Does anyone have experience of doing this? Ideas about how to get their attention and make it worth their time? Or even experiences of how to do it really badly and what to avoid saying?
My current thoughts on the matter:
* Offer more than just your game (eg for an interview suggest other subjects that could be good to discuss and that you have interesting ideas on)
* Focus on the differences, what makes your game stand out, what most adds to the content of their show/blog
* Get to the point, say what you want, don't dance around the issue, give them something specific so they know what they are saying yes (or no) to
* Expect to wait for them to have a slot they can put you in (so get in touch early!)
* Don't expect all (or even the majority) of responses to be positive


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Our Story
My Dad's a vet, and my Uncle Chuck was a zookeeper, so you can see what I mean when I say I grew up around animals. One of my earliest memories is playing with kittens in a hay mound while Dad put the calf-bed back into a cow. We kids tagged along to help Dad on emergency visits, rubbing new-born pups from C-sections and holding limbs during surgeries. Twice Dad brought home leopard cubs from the zoo that the mother was too anxious to care for. (He could tell because the mom had licked the skin off the first one's tail. Dad amputated it; we called him Bobby.) The cubs slept in an incubator and Mom wore leather gloves to bottle-feed them. They had the run of the house and trailed along on our Sunday walks in the woods. They were probably the most exotic animals we had around growing up (except for maybe the baby polar bear in Dad's office), but pets of all sorts were always showing up in our yard or coming home with Dad: cats, geese, spraddle- legged ducks, goats, three-legged or one-eyed dogs, chickens (in the laundry room), cows, peacocks with abscessed beaks that scared the neighbor sober, guinea hens, a foundered pony (in the basement), an orphaned woodchuck, a stray pot-bellied pig (OK, I brought home that one), even a series of one-legged finches rescued from Woolworths ("I got them half off!" Dad crowed.)
And Uncle Chuck was a zookeeper at the Erie Zoo, where Dad was zoo vet. Uncle Chuck raised the baby alligators in his bathtub and took no guff from anybody, including the monkeys that threw poop; he threw the poop back. He nursed Bubbles the elephant through colic and stayed up nights with the big cats when they were ill. One of my backdoor trips to the zoo involved a black panther that had fallen asleep with its tail twitching into the Bengal tiger cage. I held what remained of the tail as Dad worked on it. I remember hearing someone say, "She's passing out!" and Dad answering, "Prop her against the wall; she'll be fine."
When I moved back to Erie in 1993, Dad told me that the veterinary hospitals in the area faced a crisis in caring for pets after they had passed away. With his help, I founded Animal Friends Cremation Services on the same beautiful farmland where I'd grown up with all those wonderful animals 25 years before. My crematorium is in the pole barn we built for the pony who started in the basement. I know it's a privilege to care for these precious creatures we all love; of course, that includes the zoo.


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Be bold. The most sincere players should in fact pretend from time to time, that way the other players will be uncertain your intentions. The opponents would guess you have a good hand if you don't pretend from time to time. At which time the opponents would quit and that way you would miss the opportunity to make a bundle.
Undoubtedly a poker player will lose some hands when someone catches him pretending but it would pay off later on in the game. On the other hand the player shouldn't push it too far. A player should use pretence as a weapon in a game of poker, but he should be judicious with it. Oftentimes the player is so captivated with his dexterity at pretending he winds up losing loads of money because the opponents call his pretence.
It would be wise to silently rake in the kitty without showing one's cards when the pretence has fooled the opponents into quitting. The best poker strategy would be to leave the other players in the dark. Sometimes a player should let his opponents see his hand when he's pretending. That way the other players know you aren't opposed to pretending, which would keep them guessing later on in the game whether you have a good hand or not.
The kind of pretending is diverse in every game of poker. When playing five-card draw, a player can pretending by the manner in which he bets as also by the number of cards he picks. When playing stud games, one should know how his cards appear to be to the opponents.
Lets us say, a player is betting vigorously in a seven card stud game of poker where the players open cards are 7, 8, 9, 10 and he has 2, 3, Q in the pocket, his opponents will take for granted that he has a Jack or a 6 to make a straight. If the player is aggressively betting and constantly raising, the opponents could consider calling the player 's pretence.
One should view the up cards to evaluate whether the big bettor really has something good or whether he is pretending when playing stud games. One should also keep track of 'tells' (see page 94) which the bettor could be showing.
It is a quirk of fate but the skilled players are easily fooled as compared to the greenhorns. It is a while before a player becomes skilled at restraining himself and knowing when he should quit when playing a game of poker. The novices will mostly call every bet.
If many players were in the game then it wouldn't be advisable to pretend when playing stud or community games, especially in the latter rounds. The probability of one or more players holding a great hand is increased.


text: PL_Invasion - The second map ever made by me, Donut the Vikingchap; the creator of CTF_Infiltration, Gravelpit in a nutshell and a bunch of other crappy stuff, I guess. Description: Originally made for the "Mercs vs Aliens" contest, this is a single-stage standard payload map inspired by the slow pacing of A/D maps like Dustbowl but with a more open layout (especially at the last point). I was originally going to make it a 3-stage map, but only managed to finish the first stage for the contest. It's still in very early alpha, I might add more stages in the future. The name may or may not be temporary since I'm going to be dropping the whole "alien" theme (Though the mothership is still in until further notice, since the finale explosion is pretty fun). Alpha 3 was the version submitted to the contest. TODO (Glaring issues): - Re-do all the shitty stretched displacements so I can enable decals on them again (this probably won't happen until beta since it has no effect on gameplay) Custom content: Mothership model from the MvA Prop pack Mothership explosion particle by FissionMetroid Special thanks to: ABS for the pre-made gamemode The MvA contest voters for providing useful feedback Everyone else who has helped playtesting and giving feedback!


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Asian stocks outside Japan advanced for a fifth day amid speculation that central banks from China to the US will maintain support for economic growth.
The MSCI Asia Pacific excluding Japan Index added 0.4 percent by 1:43 p.m. in Tokyo, as the the biggest jump by HSBC Holdings Plc since 2011 propelled the Hang Seng Index to a 1.3 percent gain. Futures on US equity-indexes were little changed after records last week. The euro was steady after gaining Friday even as talks on aid for Greece ended in acrimony. Corn futures dropped 0.5 percent, Bloomberg reported.
Nikkei Slips
The Nikkei stock index slipped Monday in cautious trading as investors awaited monetary policy decisions in the United States and Japan and domestic corporate earnings.
The 225-issue Nikkei Stock Average ended down 36.72 points, or 0.18 percent, from Friday at 19,983.32. But the broader Topix index of all First Section issues on the Tokyo Stock Exchange finished 0.23 points, or 0.01 percent, higher at 1,619.07.
HSBC Jumps
Hong Kong's benchmark stock gauge jumped as HSBC surged 5.2 percent after the Sunday Times reported Europe's largest lender is considering the spinoff of its British retail bank and executives pledged to review the company's domicile. HSBC's two-day gain is the biggest since 2009 on a closing basis.
The Hang Seng China Enterprises Index of mainland companies listed in the city added 0.9 percent after its first weekly retreat since March. The Shanghai Composite Index climbed 1.9 percent after regulators said they would step up policing of market manipulation and insider dealing.
BHP Billiton Ltd. climbed 2.1 percent in Sydney, the biggest support to Australia's benchmark index, after iron ore entered a bull market. The world's biggest mining company is up 7.9 percent in three days.
Indonesia's Jakarta Composite Index plunged 2.4 percent, the most since October, as all nine industry groups retreated. Agricultural stocks led declines, with PT Astra Agro Lestari plunging 8.9 percent after first-quarter earnings plummeted.


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Kenneth Robert Behrend
February 24, 1937 - April 13, 2017
Kenneth Robert Behrend was born Feb. 24, 1937, in Cleveland, Ohio. He passed on April 13, 2017 in Anchorage, Alaska, after a valiant battle with lung and brain cancer.
Kenneth lost his mother at age 10 and father at 18. He moved to Oregon in 1955 and served in the US Army in '56, '57 and '58. His extensive Law Enforcement career started with the Eugene Police Department in 1960, where he served as Patrol Officer, Detective, Sergeant, Lieutenant, Division Commander and acting Chief of Police, which included commanding department SWAT teams for eight years.
He was a graduate of the FBI National Academy and of the US Secret Service Dignitary Protection Academy, Washington, D.C. He accepted the Chief of Police position in Lewiston, Idaho, working from 1979 to 1981. During this time, he was an accomplished author of numerous police articles. By then, it was time to fulfill his dream of coming to Alaska!
Kenneth served as Captain of Security, Southern District of the Trans Alaska Pipeline and resided in Valdez for nine years. He finished his career in the Anchorage Corporate Offices as the Human Resource Manager as well as Program Administrator for the Alyeska Consortium for Substance Abuse Testing. He was an avid hunter with trophies from Alaska, Canada and the Western United States. He was a wonderful father, grandfather and friend who excelled at hospitality that was generous and kind who walked with a noble stature. He loved being in the woods and enjoyed retirement hunting, fishing, tending flowers, bar-be-ques, and loved to tinker and was skilled at many things. He will always be loved, honored and missed with much appreciation for his legacy. May you guard and guide as always.
Kenneth is survived by his brother, Howard, and sister-in-law, Sue Behrend, of Clatskanie, Oregon; daughters, Dana Simonds, of Southlake Texas; and Linda Skalsky, of Wasilla, Alaska; son-in-laws, Curt Simonds and Keith Skalsky; grandchildren, Zachary Simonds, Ian Skalsky and Savannah Simonds.
Published by Alaska Dispatch News on Nov 19, 2017


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Exclusively Travel started with its flagship resort in Lindos, Rhodes in 2009 where it still operates under the specialist brand of Exclusively Lindos. Firstly expanding to other resorts in around Rhodes including Pefkos, Lardos and Kiotari and then adding a whole host of options all over the sunshine island of Rhodes
Classically elegant and with its own private sandy beach, the Rodos Maris is a peaceful and luxurious retreat for couples and families wanting the best quality facilities. You'll find your room is set within stunning semi-tropical gardens, with one of three superb pools nearby to bask beside.
• Hotel room for up to 3 adults consists of • Twin beds • Bath, shower and wc • Hairdryer • WiFi • Satellite TV • Minibar • Safety deposit box • Air-conditioning • Balcony or terrace • Hotel rooms for up to 4 adults with or without sea view, Family rooms for up to 4 adults and Single rooms available at a supplement
• 2 floodlit tennis courts • Spa with treatments • Sauna • Massage • Darts • Video games • Scuba-diving lessons
All Inclusive means
• Meals: Full board with breakfast, lunch and dinner in main restaurant or Taverna. Hot and cold snacks and ice-cream 10am-midnight from the gelateria and beach bar. Biscuits and pastries 4pm-6pm from gelateria. Fresh fruit and iced water around pool and beach. • Drinks: Selected international and locally produced alcoholic drinks and non-alcoholic drinks 10am-midnight. FREE minibar drinks including beer, water and soft drinks (refilled every other day). • Activities: Tennis, table tennis, billiards, beach volleyball, aerobics, water polo, beach football, gym, canoes and windsurfing (certificate required).
• Regular day and evening entertainment • Weekly Greek theme night with live music
• 3 swimming pools • FREE sunbeds and parasols • Indoor swimming pool • Internet access and FREE in lobby • TV area • Hairdresser • Gift shops • Boutique • Minimarket • Laundry service available
For Children
• Separate swimming pool with waterslides • Playground • TV room • Restaurant • Hotel kids' club (4-12 years) • Junior club (12-16 years) • FREE cots and high chairs
Key Facts
• Nearest beach: 20 metres • Main resort area: 1 km • 432 rooms • Child age: 2-14 years • Lifts: 2 • Official rating: 5 star
Key Facts Notes
• :Some facilities and activities may incur a local charge
Meals and Drinks
• Buffet-style restaurant with outdoor terrace • 3 theme restaurants (Taverna, Pizzeria and Chinese) • Snack bar • 4 bars • Coffee shop/gelateria • 18-hour room service
• Spa centre • Indoor swimming pool • Sauna • Hairdresser • Face and body treatments • Eyebrow shaping and tinting • Waxing • Manicure • Pedicure • Cellulite loss • Body peels • Detox and toning treatments • Bust firming treatments • Cleopatra cream bath • Himalayan bath • Japanese lemon bath • Seaweed detox • Relaxation • Massage
CORONAVIRUS UPDATE - 6 JULY 2020 We are delighted to announce that the Greek government have announced that the UK can travel to..
Kathari Deftera," Greek for Clean Monday, is considered to be one of the most important feasts all over Greece, each year commencing the 40-day period..
Released for 2021 more great properties, Lindos Spitaki, Lindos Theatro and Casa Lindos are all now bookable for your 2021 holiday. Check out our..
Today has been a very sad day for the Travel Industry with the collapse of Thomas Cook. Our thoughts go out to all who have been affected in one..
Captains House - our wonderful 17th century traditional villa in the heart of Lindos, Rhodes is now on sale for 2020. Book now to get your preferred..


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Lateefah Fleming has done more than found a fitness company: She is creating a movement and experience. A space for women, especially black women, to discover the power and importance of their voice.
Her dedication is in empowering people as they begin the journey toward achieving their respective truths.
The EmpowerFit Wellness movement
continues as she guides them through their most personal and amazing transformations and experiences.
Lateefah began her fitness career after five years in the film industry. She later worked in marketing and event planning. After being a size 12-14 her entire adolescent and adult life, Lateefah then went up four sizes after the birth of her son. Relentless, Lateefah Fleming has done more than found a fitness company: She is creating a movement and experience. A space for women, especially black women, to discover the power and importance of their voice.
Her dedication is in empowering people as they begin the journey toward achieving their respective truths.
The EmpowerFit Wellness movement continues as she guides them through their most personal and amazing transformations and experiences. She fully embarked on her mission to become as healthy as possible.
Belly dancing, strength training and determination lead to her personal major fitness results and to people asking how she achieved her weight loss.
Achieving true joy from helping people reach their goals, inspired Lateefah to go deeper into fitness and dance. (She actually began dancing at the age of six with the LaRocque Bey Dance Co. in Harlem, NY). During her journey, Lateefah managed Perry Studios in Harlem, while studying a variety of dance techniques including: the Graham Technique with E. Denise Perry, Jazz with Nancy Koch at STEPS on Broadway, and various expressions of Bellydance with Ariana al Tiye and Rayhana Madonna. She later continued her Belly dance studies with Anahid Sofian, Chadia al Ras and Audie. She continues to study with Tashira Wadiya.
Seeking to become proficient in health and wellness, Lateefah became a certified personal trainer and group exercise instructor through the Aerobic and Fitness Association of America. She obtained her 200 hours as a Registered Yoga Teacher (RYT) in Vinyasa Yoga from the Joschi Institute of Yoga. Other certifications include BollyX, Zumba, Advanced level of Mat Pilates through Core Pilates, Schwinn Fitness and a Fitness and Nutrition certification through Penn Foster.
Over the past fifteen years, in group and personal fitness, yoga and dance, Lateefah has taught, and still teaches at, New York Sports Club, Crunch Fitness, HBO Fitness Center, Glenpointe Spa and Fitness, The Gym in Englewood, Perry Studios, The Center for Modern Dance Education, American Woman Fitness Center, free community classes at Community Health Academy of the Heights in Washington Heights, Nellie K. Parker Elementary School, Yeshivat Noam, Mount Moriah and Teaneck High School Academies.
Lateefah was also the Group Exercise Director at Glenpointe Spa and Fitness, the Fitness and Dance Manager for YWCA of Bergen County and the Group Exercise Manager at Clay Health Club+Spa. Personal and professional experiences lead Lateefah to begin empowerFit. As the Chief Motivating Officer and ultimate "Transform-ologist" for empowerFit, Lateefah has created a one-stop shop for optimal health and wellness, providing: dance, personal and group training, yoga, Pilates, nutritional consultation, performance opportunities for women and pure motivation to help everyone achieve their goals. She has offered a slew of empowerFit signature classes at the Liberty School in Englewood, NJ, is co-founder of a more intense and fun Zumba, Cocoa Zumba, a founding member and Artistic Director of Raqs La'Majali, a World Dance Fusion company and is the Artistic Director and Founder of Sisters of the Drum, a bellydance company that consists of women from the Bergen County and surrounding communities. For the past 8 years, Lateefah has produced various bellydance and world dance fusion productions, including the Annual Global Dance Party, The Rock and Soul Bellydance Extravaganza and the Harlem Rhythm and Groove Music Experience. Lateefah continues to perform in bellydance and dance shows up and down the Eastern seaboard. Lateefah can be heard the last Wednesday of every month on WFDU, 89.1 in NJ for Wellness Wednesday, her humorous and truthful take on living and surviving healthfully in today's world.
It is Lateefah's dedication to helping individuals create a lifestyle of optimal wellness that empowers and transforms everyone she comes into contact with to believe they are beautiful and strong. This is more than a career and trend for Lateefah: this is her passion and her life.