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Late Payment is a scourge: During COVID 19 there is even less excuse
Genesis is calling for the injection of £ hundreds of millions into the economy through a turbocharging, radical and beneficial change to the UK's B2B payments process.
Statement from the Genesis COVID 19 Working Party Chair Chris Parr
In the Business-to-Business (B2B) world, supplier payments are controlled by those powerful enough to force their creditors to wait. Major cash businesses, such as supermarkets, are operating as banks in disguise. They take payments, or "deposits", from customers in return for goods that must be paid for immediately. However, many of the original suppliers of those goods are not paid until weeks or months later.
Of course, it's not just the supermarkets. Many B2B business models are built on the basis that suppliers are not paid for weeks or months after the delivery of goods and services. The key is the time between the date of supply and the date of payment for that supply – the "payment gap".
The payment gap makes money and costs money
Those with the cash can make it work for them – money makes money. However, those waiting for the cash are expected to finance their operations over the payment gap.
One person's shoplifting is another's trading
Go into a supermarket and fill a trolley. Proceed to the checkout and tell the assistant that you'll pay in 30 -60 days. Then leave. Clearly, this will not work! However, imagine that you are a business that supplies to that same supermarket and tries to get them to pay on delivery. This will not work either. You'll need to wait 30, 60, days, or even longer. This is called "trading". See the difference?
Dark reality to turbocharged future
This crazy environment masks a huge, dark reality. Delayed payments cost the UK and global economies hundreds of millions of pounds every year.
If every buyer paid its bills on time, the cash flow effect inside the economy would be stunning with an effect like adding a free turbocharger. There would be no need for anyone to produce or sell any extra goods or services to be able to immediately boost the UK economy with a much-needed injection of liquidity. This would make a direct, bottom-line addition to the nations' s cashflow simply by the act of paying on time, or early.
Let's look at the numbers
In the current COVID-19 crisis, late payments seriously threaten the integrity of the supply chain and the viability of SME suppliers. Placing undue strain on the supply chain is a limiter to economic growth.
David Harrison, Founder of Payments Optimisation company, PaySavi, has stated (www.paysavi.com), "There really should be no reason for a supplier to suffer payment delays for goods or services that they have successfully and diligently delivered. Nor should they have to view chasing for late payments as part of normal business. The processes for paying suppliers on terms should be straightforward and effective solutions do exist. They do not have to be complex or confusing".
Pay.UK has reported that late payment to SMEs, before C-19, had risen to £23.4bn, up £10.4 billion on the £13 billion owed in 2018. Late payments – typically larger companies delaying payment to smaller ones – will get worse through the C-19 period.
According to an analysis by PaySavi of the latest data on the UK Government's Payment Practices website, 59% of the UK's largest businesses pay their suppliers more than 30 days after invoices have been submitted. Nearly half report that 25% or more of the invoices they receive are not paid according to the terms agreed (Source: Payment Practice Reports: https://www.gov.uk/check-when-businesses-pay-invoices).
The case for change is compelling – something for nothing
By removing artificial blocks in the payments system, economic benefit will be generated simply because payments flow around the system earlier and faster. Everyone will be better off.
Step One: There should be a mandatory, and ethical obligation for invoices to be settled no later than the agreed date, with that date never being more than 30 days after the date of delivery of the underlying goods or services. This is not saying much more than: the payer should comply with the contract of sale. So, that shouldn't be too hard, or too controversial.
Step Two: The initial 30-day period should be shortened, dramatically. Why not 5 days? Payment technologies have moved on and the UK has seen innovative solutions delivered by its FinTech businesses. The previous manual processes can be replaced by automation, with all the required checks and balances. Buyers and sellers can enjoy a win-win through prompt payment technologies.
It is possible to ensure that everyone can adjust, quickly to the new world – we are passing through unprecedented times, after all. The unthinkable has happened already. Things that, just a few weeks ago, were impossible to achieve have been achieved. Therefore, changing something simple, such as "time to pay", should be easy.
Step Three: The new best practices pioneered by the UK will be adopted for international payments, further stimulating the economies of both the UK and its trading partners. Cross-border payment technologies have also evolved and the win-win scenarios for buyers and sellers will be clear and evident, not just through much-improved processes, but also through a recognition that optimising payments stimulates the world economy.
COVID 19 – the Genesis Response – Saving the UK's SMEs
As we are all aware, as businesses are now being encouraged to go back to work, the SME sector faces its greatest challenge in our lifetimes, perhaps in many lifetimes. In the last few weeks, Genesis has been working on two objectives:
To persuade the government to incorporate the key short, medium and long term policy initiatives discussed below.
Bringing together support for these initiatives from across the Genesis Senate to ensure we speak in unity.
The immediate
You will have seen that Genesis bulletins in recent weeks have focused on the immediate need to resolve short-term issues, such as liquidity and support for employment. Chancellor Rishi Sunak has developed what most believe to be powerful responses to support the SME sector. Nevertheless, that support has not gone far enough in supporting micro-businesses, especially those where directors draw income dividend. Also, insufficient attention has been paid to that greatest enemy of SME liquidity, late payment. Here, research shows that, even as businesses start to try to go back to work, too many larger businesses are still supporting their own liquidity by not paying their suppliers on time.
Attached you will find the next stage of our Sovereign Wealth Fund campaign. Genesis Initiative The Case for a SWF 14th May 2020
As noted in last weekend's Financial Times, the best time to initiate a sovereign wealth fund is when the nation is flush with cash, the second-best time is when there seems to be little alternative. We are at that second-best time. The FT coverage drew on language which is becoming common. Genesis simply wants this idea to be out there.
The core Genesis proposition for the Sovereign Wealth Fund is that the nation would take equity and long term debt stakes to help SMEs get back growth. Like the US Small Business Administration, big-scale cuts risk and low fees can be charged to cover the costs of the service and the mentoring support it would also involve. The objective is not for the state to become a long-term owner of businesses, but that SME owners have the time they need to rebuild and can repay their debt to the nation when their business is healthy. The German KfW bank provides a similar precedent. In addition, the paper includes shorter-term proposals to increase liquidity and give businesses the confidence to get back on their feet, such as a government credit card to give up to £10,000 of liquidity in key areas of business spending.
Over the coming weeks, Genesis will be running campaigns, with partners, to reach politicians, civil servant, opinion formers and businesses themselves on the following issues.
The next stage of the Genesis Sovereign Wealth Fund proposal
Short-term liquidity and the government credit card
On tackling late payment
On mitigating litigation and disputes – the last thing the country will need are business disputes on the way to court, arising from COVID 19
On supporting online retailers, reinforcing, the work Genesis has done with VAT Fraud UK to support a group of businesses that are particularly vulnerable
If you think there are other particular campaigns Genesis should be running as part of the COVID 19 response, then please contact David Harvey DJH@DJAHPartners.com
At this difficult time, we send all Genesis colleagues our best wishes. Keep well!
John May David Harvey
Genesis Chairman Genesis Consultant Chief Executive (David stood down from this role in the summer of 2020)
International Responeses Ambassador David Doyle
SMEs internationally across our trading partners face the same COVID 19 issues. A report from Genesis board member Ambassador David Doyle sets out some of the main European developments, It can be downloaded at Genesis Initiative report on EU Institutional measures to aid SMEs – COVID-19
A message of support for the SME community from Genesis Founder Patron
HRH Prince Michael of Kent
Dear Genesis Members and friends
I am very aware of the extent of the hardship that so many small businesses are being subjected to by the Coronavirus pandemic. I write to all Genesis members and friends to express my support, fellowship and particular sympathy.
SMEs are the bedrock of the British economy, employing millions of people and contributing hugely to the economy and to communities around the country. Thus, I too strongly support the Genesis proposals for a British Sovereign Wealth Fund to invest in SMEs at this time of the nation's need.
Leading or working in a smaller business usually offers a balance of challenge as well as opportunity and achievement. Today though, I can remember no other such time of challenge in recent years. Few of us can have a clear idea of what the future might hold for British businesses, those that work in them and their essential suppliers, customers or partners.
Britain has been and will be one of the best places to run a small business. Though I am under no illusion about the test we all face now, we will recover and our smaller businesses will come back and thrive.
I send you every best wish for health and hope for you, those who work with you and for all your families.
HRH Prince Michael
ACORNS TO OAKS – A METHODOLOGY
The regeneration of the UK's SMEs through a UK Sovereign Wealth Fund If not this, what? If not now, when?
The Genesis COVID-19 Working Party, Chris Parr (Chair), John May and David Harvey have been developing proposals for a National UK Sovereign Wealth Fund, to provide the SME community with a route out of the current crisis towards prosperity and growth.
OBJECTIVE- To regenerate the UK's SMEs after the C-19 crisis.
CONCEPT - See SMEs as a vast, untapped, under-developed "natural" resource for the benefit of the UK as a whole.
METHOD – Create a root, trunk and branch structure – in the style of an oak tree – that spans the country and provides the core resources needed for SMEs to emerge from the C-19 crisis stronger and better able to survive and grow.
ROOT- A sovereign wealth fund (SWF) of the nation's money.
TRUNK – Connected groups following the natural geography of the country – a central core carried by HS2 and other, existing communications pathways.
BRANCHES – Local groups dedicated to their area but also connected to the whole in order to give and take support. Similar to the proven structure adopted by the Small Business Administration in the USA.
PRECEDENT – Sovereign Wealth Funds already exist. There is no mystery in their structure. The discovery of oil and gas reserves saw SWFs created around the world – Norway was particularly successful.
PROCESS – SWF injects cash to SMEs via a simple to operate and easy to access system. The SWF immediately takes ownership of X% of the SME. The SME then uses the cash to drive its business. Over time, the SME can buy-back equity, but the SWF will always hold (e.g.) 5% of the enterprise – this is the long-term value creation element. Alternatively, the SME can sign-up to a more classical loan with a fixed interest rate.
METHOD – Use high-tech systems of internal management and control. Use audit systems to spot-check compliance. Create mentoring and support services, across the country.
SMEs fail – this matters less than might be expected. Provided that the cash is spent on the effort – wages, purchasing goods and services, assets and investments – the effect is to stimulate the economy.
Money leaves the country – Mechanisms can be built in to push UK-focused spending. However, export/import activity must be respected.
Fraud – use high-tech systems, compliance processes (banks, etc. already have these) and spot-check auditing.
Political opposition – this must be a pragmatic, a-political system that puts regeneration ahead of political motives. This might be "socialist" in concept but it's also very capitalist. The politicians must be made to avoid attacking the system for political purposes.
Big business feels left out – bring the big companies in as supporters and sponsors. The big companies depend on the economy as a whole. If we can regenerate the SMEs, we should stimulate general growth and development for all.
Banks and other traditional funding sources – They are not well placed to take the risks involved in this rescue package. However, the SWF could take in funds from the traditional funders and so create a participation opportunity.
You can find the detailed proposals here The UK Sovereign Wealth Fund
New ideas? COVID-19 new waves?
New normal? SME Renaissance?
Before the start of the pandemic, the Genesis policy team had begun to work on new sets of policy ideas for the SME sector. Life now is different and there will be much to reassess in coming months; thus the recent Genesis work on an SME focussed UK Sovereign Wealth Fund.
Business as usual work had looked at:
More effective legislation against late payment and related oppressive practices such as prejudicial contract terms.
Agreeing a BREXIT trade deal with the EU and firming up worldwide free trade deals
Simpler access to longer-term finance
Online sales, tax fraud and the high street
The reform of business rates
Simpler and more effective support for business education.
Other people-related issues such as good local housing and healthcare
Introducing new technology and systems
Tax, business regulation and business support simplification
Amendment of the governments IR 35 contractor and SME start-up taxes
Of course, there is no business as usual today.
However, many of the ideas in the paper Genesis had prepared as the first instalment on some of the above topics are going to have similar or increased relevance when we move ahead. This includes issues such as late payment, online fraud and access to finance. So we thought we would share that draft paper, knowing that something or a rewrite will be necessary for a few months in our very different context.
The Agenda for Small Business V4 – Discussion Draft
The Genesis Initiative was formed to improve the quality of the debate on SMEs in the UK and Europe and create economic reform, driven by SMEs and supported by Parliamentarians.
The Genesis 2019 General Election Small Business Shopping List
Below Genesis sets out some of the policy changes it would like to see from the next government
Provide long-term patient funding to UK SMEs the government should establish a high street national brand similar to the US Small Business Administration or Germany's KfW, fulfilling the need for long term capital and mentoring to give small businesses the confidence and skills to grow and so create jobs. While operating through local providers, the new agency should, like the US Small Business Administration, be one of if not the UK's primary SME finance brand. SMEs have lost trust in traditional UK banking brands. A reluctance to borrow to grow because of those issues of mistrust contribute to the limited number of UK businesses deciding to enter the growth corridor where new jobs are made, and competitiveness grows on the international stage.
Stop online fraud through the digital platforms, recouping over 1 billion of tax revenues and protecting UK SMEs which are unfairly disadvantaged by importers using third-party online platforms (e.g. Amazon, eBay and Ali Baba among others). Lax UK regulations makes it easy for those importing into the UK via the platforms to evade VAT, ignore health and safety and basic quality standards and so achieve a massive cost advantage over UK businesses and other legitimate retailers. The net result of the current situation is both a massive shortfall in tax revenues that would support government services to the population as a whole and continuing and sometimes terminal pressure on UK SMEs.Digital Platforms and tax crime online – recouping £1 Bn revenue and protecting UK SMEs Digital Platforms and tax crime online – recouping £1 Bn revenue and protecting UK SMEs. You can see more here Digital Platforms and tax crime online – recouping £1 Bn revenue and protecting UK SMEs
To stop the heavy-handed approach of IR 35, which is stopping UK business being able to access vital flexible expertise and is about to be made even more difficult For almost three decades, the UK has enjoyed a competitive advantage through its businesses being able to access vital flexible expertise they need to deliver projects and drive the economy forward. The intermediaries' legislation colloquially referred to as the IR35 tax rules (IR35) undergoes another major overhaul in April 2020. The impact of the changes is likely to be highly detrimental, particularly at a time when the UK economy needs to be nimble on its feet to deal with the potential opportunities and threats posed by Brexit. Many freelancers may choose to change their businesses or close them, many businesses that benefit from using freelancers may cease to do so. The Government needs to row back on the new tougher measures and needs to give start-up consulting and service businesses, in particular, a window to get themselves established before fitting them with IR 35 rules. You can see more here IR 35 – destroying flexible British SME expertise
To strengthen the power and reach of the Small Business Commissioner Shortly before the general election was declared Genesis met with Kelly Tolhurst, Small Business Minister, and her Labour shadow Bill Esterson, to call for reform of the Commissioner's office after the general election.
The Commissioner should add to their power to highlight bad practice with the power to fine; this needs to hurt and be proportionate to the size of profits of the offending late payer.
The Commissioner will never be able to deal with every late paying business, but a significant increase in a staff of about a dozen would greatly increase their impact.
Late payment practices are often tied to prejudicial contract terms and that practices which rely on the capacity of bigger businesses to bully smaller ones; the Commissioner should have a wider remit to take on some of these instances, with tribunal powers to amend or declare contract void and take action against directors behind such policies.
What the Parties Are Promising – General Election 2019
These are some of the main proposals for the small business sector in the manifestoes:
The Conservatives
getting Brexit done so that the country can focus on everything else that needs to happen; leaving the EU will allow a review of regulations on business aiming to make them more business-friendly
review of business rates to support the high street
wider tax reform to achieve simplification, no increases in income tax, VAT or National Insurance; increase R&D tax credits
improving the situation of the self-employed, with a review focusing on access to finance, tax and support for home workers
improve start-up finance for small businesses, greater recognition for women and BAME entrepreneurs
a new £3 billion National Skills Fund focused on SMEs, with the reform of the apprenticeship levy and matched funding available for those from the SME sector undertaking training
strengthening the office the small business Commissioner to clamp down further on late payment and ensuring that government both pays small businesses on time and the same small businesses get a fair crack at government procurement, supporting and encouraging flexible working, strengthening maternity/paternity leave and rights of unpaid carers; giving the right for workers in the gig economy to require a more predictable contract
beefed-up specialist tax evasion unit
a Digital Services Act, amongst other things to focus on irregularities in digital retail
Conservative and Unionist Party manifesto for the 2019 UK general election.
a new Brexit deal, followed by a further referendum by next July; with a Labour government mandated to follow result of the referendum
deal major reforms of the apprenticeship levy to make sure it is spent on accredited training; larger businesses will be a transfer on use funds to smaller ones
promise that no one who earns less than £80,000 will pay more tax, focus on taxing wealth rather than income, no increase in VAT
consider replacing business rates by a land value tax
reform of the Companies Act to force companies to focus on longer-term growth
increased minimum wage to at least £10 an hour for all workers, but with help for small businesses
through a new ministry for employment rights ending what it calls bogus self-employment in, for instance, gig economy; zero hour contracts to be banned and anyone doing more than 12 hours a week having a right to have a contract of employment
New protections and help for the self-employed
new equality rights with more paid maternity and paternity leave an extra pregnancy protection
Tough new measures against late payers, including being banned from public contracts
minimising reporting requirements for those below the VAT threshold
free fast broadband for everyone
Business Development Agency to provide direct and free support to start-ups
crackdown on tax avoidance and reform of tax reliefs
supporting the high street by stopping bank branch closures and giving local government the power to use empty shops
Labour Party manifesto for the 2019 UK general election.
stopping Brexit
tougher planning rules on high Street to stop conversion of retail to other uses
business rates replaced by a land value tax on commercial sites; the owner pays rather than the retailer, more money for the Future High Streets Fund
Start-up allowances for new businesses
focusing on equity capital and long-term investment for growing businesses, through the reform of the British Business Bank; with a special focus on drawing in new growing businesses rather than being a lender of last resort and a focus on digital
protecting the position of those in insecure employment and ensuring that normal employment rights are extended to them; including former flexible working, a "genuine living wage". Also establishing a new status of "dependent contractor" with clearly established rights.
Tax simplification, particularly to support small businesses, ending retrospective changes
Corporation tax of 20% but keeping that rate stable
Liberal Democrats' manifesto for the 2019 UK general election.
Visiting Washington DC
The Genesis delegation, led by HRH Prince Michael of Kent, Founder Patron of Genesis, has just returned from a programme of meetings with Think Tanks, academics, political leaders and SME organisations in Washington DC. We went to find out what we could learn, what we could share and how we could generate new ideas together to strengthen the SME community.
"Through projects such as Opportunity Zones, the long-term lending schemes of the Smaller Business Administration, (this is in effect patient capital with low-interest loans over up to 25 years) plus work on entrepreneurship policy through the cutting edge of academic research, we found much to bring home," said Genesis Consultant CEO David Harvey. "Equally we found many problems in common. Not enough small businesses are on the growth track towards employing 5, 50 or 500 people – and this is how prosperous new jobs, rather than survival jobs, are created in both our economies. Both economies have real challenges in developing enough STEM-skilled (science, technology, engineering and maths) young people. Both economies too are finding it challenging to provide the right offer for those in middle area skilled jobs in areas such as finance, junior management, hospitality, manufacturing and retail."
"We found learning and fresh thinking in areas such as immigration, minority employment and start-ups, tax reform and measuring small business success. We discovered the entire patchwork quilt of policies across the 50 states of the USA and the opportunities that local knowledge and state and city government can provide with a real state-by-state localism. Equally, this localism and federalism also means it is sometimes very difficult to know what is really going in SME policy, driven and planned locally rather than from Washington DC. We saw that the success of the SME sector is enormously varied across the USA and an aggregate picture of growth and dynamism in one city shifts to decline in another. There is much here to learn for UK cities and towns and the often ignored rural and suburban areas of the UK, often feeling left behind the cities".
A forthcoming Genesis report will set out ideas to borrow, use as inspiration or indeed share back with our US partners for them to do better what they do.
Genesis would particularly like to thank our hosts and partners the Progressive Policy Institute, for this collaboration.
Empowering the Small Business Commissioner
The Genesis Senate has discussed key proposals for the reform and empowerment of the Office of the Small Business Commissioner
The Small Business Commissioner was launched in 2017 to provide both scrutiny and public voice against bad payment practices. The office of the Commissioner also provides a mediation service to help small businesses, in particular, sought out ratepayers. As a member of the Genesis Board was able to report through direct experience, that service is extremely effective. "It knocks out the extra muscle which big businesses sometimes think they have again small ones that means they can ignore debts outstanding, once I involve the office of the Commissioner payment was almost instantaneous".
However, the Senate sees two ways in which the powers of the Commissioner should be strengthened. Genesis had called for a more empowered role for the Commissioner, overseeing a number of other areas, before the post was created. In particular:
Businesses should be required to make full disclosure of all matters relevant to an instance of late payment to one of their suppliers to the Commissioner; and
Particularly where that disclosure seems to throw up little, the Commissioner should be given a direct power to mount a full investigation by going into a company, with a statutory requirement for that business to cooperate.
How can the small business commissioner help you chase late payment?
Here is the simple process you can use working through the office of the Commissioner – complain about late payment, the Commissioner Paul Uppal is active, his staff get things done.
The UK Minimum Wage
Getting headspace for small business issues has been challenging with the national focus on Brexit. However, the SME debate may be starting to come back to life with the competition for a new Prime Minister.
Genesis made this submission in June on the minimum wage low pay commission response – June 2019. Genesis SME trade associations support a minimum wage. They also recognise the need for review and uplift for those on apprenticeship and training pathways, particularly for younger workers. However, Genesis recognises that a small business owner is often the last person to take a wage packet when things are tough and that it may not take much to shift a decision to employ a new trainee towards one not to advertise or create a vacancy. Genesis noted:
the need to avoid accelerated increases at times of economic difficulties
sectoral and regional differences
particular challenges for low margin labour intensive businesses such as security, and
the cost of the national minimum wage as just one of many burdens on businesses.
Access to Finance
The Genesis Access to Finance Report was launched on the 29th of November in the Thames Pavilion at the House of Commons, hosted by Chris Davies MP and Anne Marie Morris MP. The report is based on the views of organisations, representing some 250,000 businesses, together with a range of lenders to business.
Despite concerns about a "funding gap" stopping the growth of UK SMEs, there is funding out there in abundance. This Report brings the thoughts and the aspirations from both the borrower and lender sides of the divide together. Particularly as a hangover from the global financial crisis of a decade ago, lack of confidence in lenders is one obstacle discouraging SME's from adopting a growth trajectory; lack of a brokerage system that could bring SMEs and lenders together to build confidence is another.
Download the Genesis Access to Finance Report, produced by Genesis finance expert and Board member Adam Tyler and his team.
Genesis Response to the BEIS consultation – Creating a Responsible Payment Culture
Genesis responded to the BEIS late payment consultation Creating a Responsible Business Culture. The response was initiated through the Genesis Senate at its September 2018 meeting and then finalised by a delegated working party, you can download it Responsible Payment Culture – the Genesis initiative response here. Genesis emphasised the following central points in its response:
• BEIS should focus on introducing e-invoicing technology and make it the Code of Practice standard, to move towards most payment being virtually instantaneous.
• There should be a clear definition of unfair payment terms, using the Irish Republic's approach and adopting 30-day payment term as the legal norm, on a comply or explain basis.
• The SME Commissioner should be empowered, and the current advisory approach to individual cases should become an enforcement-based one, where the Commissioner could work in partnership with business associations through simple employment tribunal-like structures to secure rapid adjudication.
Making Tax Digital Report MTD cover
Genesis launched its Making Tax Digital report on the government's proposals to digitise tax relationships, at a reception hosted by Mel Stride MP, Financial Secretary to the Treasury. The report can be accessed via this link MTD – Preparing SMEs to maximise the benefits "The government's proposals to digitise tax relationships offer a tremendous opportunity to support small businesses develop better digital skills throughout their commercial activities. HMRC needs to provide that digital's training and support to seize this opportunity", said Genesis CEO, David Harvey.
Research report Brexit – Defending financial services in the SME sector
The report looks at the post Brexit challenges to 350,000 UK financial services SMEs, authored by the Genesis Financial Services Working Party, led by Dr David Doyle. It can be downloaded here Brexit Defending financial services in the SME sector
AboutThe Genesis Initiative was formed in 1999 to improve the quality of the debate on SMEs in the UK and Europe
AdvocacyOur group aims to influence decisions within political, economic, and social systems and institutions for the benefit of SMEs.
SenateThe Genesis Senate for small business brings together organisations with primarily a small business focus.
PressOur press section covers the latest news from The Genesis Initiative and media resources for reporters.
EventsRead more about some of our upcoming events and details of our past events including senate breakfasts & meetings.
ContactWe are always happy to answer any queries, feel free to get in touch with our team by email, contact form, or telephone.
Members & Supporters
info@genesis-initiative.org
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Sudheer Babu | Who does not take care of family like Mahesh Babu : Sudhir Babu
Sudheer Babu About Mahesh Babu | Tollywood young hero Sudhir Babu is coming to the audience with the movie 'Hunt'. Directed by Mahesh Surapane, the film will hit the screens on January 26 on the occasion of Republic Day. Sudhir Babu started promotions from now. Along with the film related matters, he also shared personal matters with the audience through an interview. Recently, he made important comments about Sudhir and Mahesh Babu.
Talking about Mahesh Babu, he revealed that no one takes care of his family and sisters like Mahesh Babu. Moreover, he said that Mahesh thinks of anything after family. Everyone knows that Sudhir Babu will be Mahesh's brother-in-law. Last year, Mahesh suffered an unforgettable blow. Mahesh's elder brother Ramesh Babu, mother Indira Devi and father superstar Krishna passed away. He is now recovering from that illness. Soon he will start shooting for the film with Trivikram.
And Sudhir Babu is currently trying hard for commercial hero recognition. Since the beginning of his career, he has been doing films with strong stories.. but they are not commercially safe. Currently, all his hopes are on Hunt movie. The movie is being produced by V. Anand Prasad under the banner of Bhavya Creations, starring hero Srikanth and Tamil actor Bharat in key roles. Gibran is providing the music.
Get more latest tollywood news click here
Project K: Prabhas and Deepika Padukone's project will be released on the lines of Bahubali, big update came out February 2, 2023

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Anthony Pettis issues statement over 'cowardly' arson attack at his home
Anthony Pettis has no idea who would set fire to the vehicles parked outside his home in Milwaukee, but he wants them brought to justice.
Early Thursday morning around 1 a.m., police were called after neighbors spotted a car speeding down the street just before a loud explosion was heard outside Pettis' house.
According to authorities, an unknown suspect used an accelerant to set fire to two of Pettis' vehicles with the fire eventually spreading to a third car parked in his driveway. Pettis issued his first statement on the matter via Instagram on Friday.
"I am a fighter. I won't be defeated by this. I am also extremely confused and saddened by the events that occurred. I am grateful that no one was harmed by this cowardly act," Pettis wrote. "My life as well as my loved ones were put in danger. I cannot understand why someone would want to hurt myself or my family.
"I will do everything I can to ensure that we find out who committed this crime and that they are prosecuted to the full extent of the law. I'm constantly defending my choice to stay in this city. Regardless of the crimes that have been occurring lately, this is my home. I really hope the city that I rep has my back on this one and helps by reporting anything they know about this."
Milwaukee police haven't arrested any suspects yet but have asked for any information from the public to be turned over for their investigation.
Pettis' younger brother and fellow UFC fighter Sergio Pettis also posted photos on his Instagram account showing the aftermath of the fire that ultimately torched three vehicles.
Pettis is slated to return to action at UFC 206 in Toronto where he faces Max Holloway.


text:
Other cities, towns, and suburbs near San Ramon, California:
Castro Valley, CA Moraga, CA
Pleasanton, CA Walnut Creek, CA
The center of each city listed is within 11 miles of San Ramon, CA.
100 miles from San Ramon, CA
Map of local cities around San Ramon, CA
Major cities near San Ramon, CA
This is a list of large cities closest to San Ramon, CA. A big city usually has a population of at least 200,000 and you can often fly into a major airport. If you need to book a flight, search for the nearest airport to San Ramon, CA. You can also look for cities 4 hours from San Ramon, CA (or 3 hours or 2 hours or 1 hour).
16 miles to Fremont, CA
16 miles to Oakland, CA
24 miles to San Francisco, CA
31 miles to San Jose, CA
39 miles to Stockton, CA
54 miles to Modesto, CA
61 miles to Sacramento, CA
140 miles to Fresno, CA
169 miles to Reno, NV
232 miles to Bakersfield, CA
hotels near San Ramon, CA
airports near San Ramon, CA
vacation deals to San Ramon, CA
Local towns near San Ramon, CA
This is a list of smaller local towns that surround San Ramon, CA. If you're planning a road trip or exploring the local area, make sure you check out some of these places to get a feel for the surrounding community. You can also search for cities 100 miles from San Ramon, CA (or 50 miles or 30 miles).
Brookshire, CA
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Tassajara, CA
Walnut Heights, CA
Asco, CA


If you make a down payment of less than 20% when you buy a home, lenders typically require the borrower to purchase private mortgage insurance, which is also known as PMI. PMI is insurance against loss from mortgage default provided to the lender by a private insurance company. In other words, the borrower pays for an insurance policy that protects the lender in case you cannot pay your mortgage. Please note that PMI does not protect the borrower if you fail to pay your mortgage or lose your home to foreclosure. PMI typically requires the borrower to pay an ongoing monthly fee when you make your mortgage payment or a one-time upfront fee, which is relatively uncommon.
The borrower is only required to pay PMI as long as the loan-to-value (LTV) ratio is greater than the lender's maximum LTV threshold which is 75% - 80% depending on how long you have had the mortgage. The LTV ratio represents the ratio of the mortgage amount to the fair market value of the property and is inversely related to the down payment the borrower makes. For example, if the borrower makes a 5.0% down payment, the LTV ratio is 95.0% and if the borrower makes a 15.0% down payment the LTV ratio is 85.0%. The LTV ratio decreases as the borrower pays down the mortgage balance over time or if the property value increases. The borrower can request to have the PMI fee cancelled when he or she believes the LTV ratio is below the maximum threshold.
If you are required to pay PMI, borrowers typically select the ongoing fee option, which is an extra monthly payment on top of your mortgage payment. For a conventional loan, if you decide to pay for PMI on an ongoing monthly basis, you do not pay a one-time upfront PMI fee. As outlined in the table below, the ongoing PMI fee depends on many factors including your credit score and LTV ratio. It is important to highlight that the ongoing PMI is based on your mortgage balance at the beginning of the year, not your original loan amount, so it declines over time as you pay down your loan.
The table below shows the ongoing PMI fees for a thirty year fixed rate mortgage, as a percentage of the loan amount. The table demonstrates how ongoing PMI fees vary by LTV ratio and credit score with higher credit scores and lower LTV ratios having lower PMI rates. For example, according to the PMI pricing table below, a borrower with a 700 credit score and 97% LTV ratio pays an ongoing PMI fee of .99% of the loan amount. if your mortgage balance is $100,000 and the ongoing PMI fee is .99%, then your monthly PMI fee is $82.50 ($100,000 * 1.115% = $990 / 12 months = $82.50 per month).
Please note that the table below shows the ongoing PMI fees for a 30 year fixed rate mortgage at the maximum coverage level. The PMI fee is higher for adjustable rate mortgages (ARMs) although a mortgage with an interest rate that does not adjust within the first five years is considered a fixed rate mortgage for the purpose of calculating PMI (so a 5/1 and 10/1 ARM are considered fixed mortgages). The required ongoing PMI fee is also lower for mortgages with terms of 20 years or less.
Finally, there are different coverage levels for PMI, or how much of the mortgage is protected by the insurance. For example, for a mortgage with an LTV ratio between 95.01% and 97.00% you can purchase PMI that covers 18%, 25% and 35% of the loan balance. The amount of coverage required depends on the LTV ratio, mortgage program and lender policy. Most lenders and mortgage programs require maximum PMI coverage levels which are 35% of the loan amount (for LTV ratios between 95.01% and 97.00%), 30% of the loan amount (for LTV ratio between 90.01% and 95.00%), 25% of the loan amount (for LTV ratio between 85.01% and 90.00%) and 12% of the loan amount (LTV ratio between 80.01% and 85.00%). Some programs require lower coverage levels which reduces the PMI fee. The table below shows the PMI fee as a percentage of the loan amount based on the maximum required coverage levels.
Please note that your lender automatically removes PMI when your LTV ratio is 78% based on your scheduled mortgage payments and the value of the property when you obtained your mortgage. This is called cancellable PMI. For example, if you obtained a $90,000 mortgage on a property that was appraised at $100,000 at the time your mortgage closed, the lender automatically removes the PMI when your mortgage balance reaches $78,000 (78% LTV ratio) as you pay down your loan over time according to the original amortization schedule. In this example it takes approximately six years and nine months to reach a 78% LTV ratio (assuming a 30 year fixed rate mortgage).
The required LTV ratio to remove PMI depends on how long you have had the mortgage, which is also referred to as "seasoning." For example, if you obtained a mortgage two years ago then the seasoning of the mortgage is two years. With most mortgages, if the seasoning is between two and five years the LTV ratio must be 75% or less for PMI to be removed. If the seasoning of the mortgage is greater than five years then LTV ratio must be 80% or less, which means it is easier to cancel the PMI.
Lenders typically do not remove PMI within the first year of a mortgage even if the value of your property has increased significantly or your loan balance has decreased significantly. Additionally, in most cases the lender do not remove PMI within the first two years of a mortgage unless the borrower has completed renovations that significantly increase the property value. If the seasoning of the mortgage is less than two years then the LTV ratio must be 75% or less.
If you believe that your LTV ratio is lower than the threshold then you should contact your loan servicer -- the company to which you make your mortgage payment -- and request to have the PMI removed. To request the removal of PMI we recommend that you send a registered, return receipt letter to your lender. Your letter should include information that supports your request such as property values and comparable home sales in your area as well as your outstanding mortgage balance and estimated LTV ratio. After you receive confirmation that the lender has received your letter follow-up by calling the lender and initiating the process. Lenders delay removing PMI as long as possible so you need to be proactive and assertive.
The lender orders an appraisal report from an approved appraiser to determine the current market value of your property. The borrower is required to pay the appraisal fee which generally costs $400 - $750 depending on the approximate value of the property. The lender has 30 days after receiving the appraisal to inform the borrower if the request to remove PMI has been approved or denied.
If the appraised property value supports an LTV ratio less than the required threshold of 75% or 80%, the PMI is cancelled and removed from your monthly payment. If the appraised property value falls below your expectations and the LTV ratio is greater than than the maximum threshold you can request a second appraisal but you are required to pay another appraisal fee. Before you request to have PMI removed, we recommend that you assess the approximate value of your property by contacting a real estate agent or using a property value website. Although you cannot rely solely on the property values provided by these websites, they provide a rough estimation of what your home is worth.
In order for PMI to be removed the borrower must be current on the mortgage and not have had a payment over 30 days late within the prior year or over 60 days late within the prior two years.
Watch our PMI video tutorial to learn more about private mortgage insurance and if you are required to pay it.
It is important to highlight that some lenders may charge a higher mortgage rate instead of charging PMI -- this is often referred to as lender paid PMI. For example, the lender may offer you an mortgage rate of 4.000% if you make a down payment of 20% and an interest rate of 4.500% if you make a down payment of 10%. In many cases paying a higher interest rate by selecting lender paid PMI can cost more than borrower paid PMI because the you pay the higher rate over the life of the loan unless you are able to refinance.
If you decide to make a down payment of less than 20% and the lender does not require that you pay PMI, be sure to ask if lender paid PMI is included in the interest rate, and if the answer is yes, ask what the interest rate would be if you paid PMI separately. If you pay for PMI separately, the interest rate could be lower and you will be able to have the PMI fee removed when your LTV ratio drops below the 75% - 80% threshold. This could save you a significant amount of interest expense over the life of your mortgage.
Although it is relatively uncommon, some borrowers select to pay a one-time, upfront PMI fee. This is also referred to as a single premium PMI fee. If you decide to pay for PMI upfront, you do not need to pay PMI on an ongoing monthly basis. Like ongoing monthly PMI, one-time PMI depends on several factors including your credit score and LTV ratio. If you decide to pay for PMI upfront, you cannot get it refunded, reduced or removed, even if your LTV ratio drops below 80%. The table below shows the estimated one-time, upfront PMI fee for a $300,000 30 year fixed rate mortgage with various LTV ratios.


I hope these dirty skanks sue the bar for $10 million each. Win. And the bar gets shut down.
Do you identify as a unicorn?
Americans have destroyed St. Patricks day. They turned it into another booze fest.
They have it spot on. Dublin city centre wouldn't be much better.


Cyclosporin A is a broad-spectrum multidrug resistance modulator.
Double minute chromosomes in acute myeloid leukemia and myelodysplastic syndrome: identification of new amplification regions by fluorescence in situ hybridization and spectral karyotyping.
Routine immunophenotyping in acute leukemia: Role in lineage assignment and reassignment.
Cyclosporine A Modulates the Multidrug Resistance Proteins P-Glycoprotein, Multidrug Resistance Protein, Breast Cancer Resistance Protein and Lung Resistance Protein.


text:
Copywriting + Content Creation
DIY Content Templates
Website Copy Templates
Launch Copy Templates
EPISODE 8: What are Content Pillars and Why Do You Need Them?
by Jessi HonardNov 17, 2020Podcast
In this episode we will cover:
Identifying main topics to keep your content on point
What content pillars are NOT
Helping your audience make an informed buying decision
Is your content linked to offers?
How to filter your content ideas through your pillars
In a previous episode, we briefly touched on content pillars and the role they play in choosing the content you're putting out. In this episode, we take a closer look at HOW to identify your content pillars and WHY those pillars are foundational to a solid content marketing strategy. {Think Stonehenge, not the Parthenon.}
In today's episode, you'll learn:
How to identify your main topics {to keep your content on point}
How to help your audience make an informed buying decision
How to ensure your content is linked to offers {and is really working for you}
For example, if you're mostly posting puppy pictures on social media but not running a puppy-centered business, you might not have a firm grasp on your content pillars. We love puppy pictures as much as the next person, but your audience might forget what it is you actually DO. {Hint: NOT the goal!}
So how do you make sure your messaging isn't scattered or watered down? You identify those pillars of content… and you stick to them! For this episode, you'll want a pen, some paper, and several highlighters.
Once you get those pillars nailed down, tag us on Instagram @northstarmessaging and let us know what they are!
Jessi:
Welcome to the Brand Your Voice Podcast, where we're digging into how you can create personality driven content that connects and converts. I'm Jessi.
Marie:
I'm Marie. We're the co-founders of North Star Messaging + Strategy where we support business owners in outsourcing content without sacrificing authenticity.
Every brand has a unique voice that sets it apart. We're digging into how to capture the way your brand communicates, from the words you use to the stories you tell so you can create more compelling content that strategically helps you meet your business goals.
If you choose to outsource that content, you'll be able to do so with confidence, knowing your brand voice is in good hands and you can reclaim your time. We're so glad you're here and hope you enjoy this episode.
All right, welcome to episode eight. Today, we are talking about what content pillars are and why you need them. So we dug into this a little bit a few episodes ago when we talked about your core messaging. We talked a little bit about what they are. We're going to reiterate that a little bit, give you a refresher, but we're going to dive deeper in today's episode because content pillars are so important that they really deserve their own episode. So as a refresher, what they are, and these are the two to three topics that all of your content or most of your content, maybe not the puppy pictures, but that's okay, all of your content or most of your content falls under and they have subtopics underneath.
So for example, you're thinking about not the Parthenon where there's like eight million different pillars happening. You're trying to narrow it down. So the example Marie used a couple of episodes ago was Stonehenge where you have maybe two or three pillars holding something up. What it's holding up is your brand, your message. We're looking for two to three really narrow topics that you can fit all of these subtopics underneath.
So examples from our business, our three content pillars, our brand voice, content strategy and copywriting. So each of these has subtopics underneath them and each of them can lead directly to a service that we provide or a product that we offer. Now, we're not selling all the time, of course. We're mostly here to show up and give value, to educate, to help people understand. We're also here to share our expertise, right? This is kind of going back to those stories, right? But when it is time for us to sell something, at least we will have done the heavy lifting of making sure that we have content that helps people prepare so they can make an informed decision about that. So go ahead, Jessi.
Sorry. Yeah, absolutely. So when we're talking about brand voice, content strategy and copywriting, which are our three pillars, we're really careful when we're creating content, whether it's these podcast episodes or something that goes on our blog, an email that goes on our list to really run it through a filter of, is this about one of these three things? If the answer is no, it might make sense. It might be part of that extra little percentage of topics that get thrown in there, like cute dog pictures but-
Absolutely valid.
Absolutely valid, but you're not going to want to post dog pictures for every single one of your pieces of content, unless you're running a business that relies heavily on something to do with dogs. It doesn't.
Because I want your business.
Yes. It doesn't make sense for our business to do that. However, it does make sense for our business to create content that falls under brand voice, content strategy and copywriting, because those are the things that we do and those are the things that we offer. Without those content pillars, our content could end up feeling really scattered and disconnected.
Exactly. So I think it's important also to talk about what content pillars are not and that's the how. So do you want to introduce this a little bit and maybe I can give an example, Jessi?
Yeah, absolutely. So the how of content is what it does. So it may persuade. It may entertain. It may inform. That's not what your content pillar is, though. Your content pillar is the topic. It's the context. So brand voice is a topic, whereas teaching someone about how to capture your brand voice, that's what the content is doing. That's not a content pillar. That's a content topic. That's something I'm going to write about or to talk about. The pillar, the overarching idea that all of the content is going to fall under is brand voice.
Exactly. I remember having a conversation with a client at one point when we were talking about this topic of content pillars and trying to help them decide what they were. Honestly, I don't even remember who this was, but I remember this conversation. They said, "Well, I think one of them would be education." I'm like, "Okay, but you're not in the education field. Can you explain what you mean by that?" They're like, "Yeah, I'm going to educate people about financial management," or whatever it was that they do. I was like, "Oh, okay. I see, I see." So then your content pillar in that case would be financial management. Then you have certain types of content under that. Some of them are selling, some of them are providing teaching, right? So that's the education piece. They're doing sort of different things for heavy lifting, but the how is not the pillar. So hopefully that distinction helps.
Yeah, absolutely. So when you're thinking about your pillars, know that the content you create under these pillars can accomplish a lot of different things. You're not boxed into the content only doing one thing. It's not necessarily about what accomplishes. That's a different conversation for a different podcast episode. It's about what the topics are that you're talking about. So we mentioned this a little bit at the beginning of the episode, but why you need them is also a key piece. It's not just because we like the idea of content pillars and they help us with our content. It's because they exist to help you with your content as well, specifically your content strategy.
Often, we hear people talk about content strategy in this very vague term of, "I know I need one, but I don't really have one and I feel like I'm just trying to come up with content based on either what's coming down on the calendar or when inspiration strikes." That's not really an effective way long term. It's going to lead to burnout. If you're constantly trying to come up with new ideas and fit it into the model of your business, it's also going to hurt your sales because people aren't necessarily going to connect all of your content to something you're selling. So by creating this content pillars, it gives you a framework so that when you're sitting down and creating your content strategy, you can absolutely leave room for inspiration. You can absolutely leave room for, I decided all of a sudden I really want to talk about this because it's really important for me. Totally, go for it.
But it also gives you something to fall back on where you have a framework of, okay, these are the topics that are really important to my business. These are the offers that they connect to. I can be creating this content that falls under these pillars, because I know I'm promoting this offer during this quarter. So I want to focus on all the content that falls under this content pillar and all the subtopics that are underneath it.
Right. So like Jessi said, it will help you from feeling scattered when it comes to your content strategy. I really want to lean into this point that you were just making about your launches and your offers, which is if you don't go through this process of having content pillars, how do you know that all that content that you're putting out there is actually connected to an offer? So that, again, not selling all the time necessarily, but when you are, people have been prepped, primed, educated, whatever, right? They can make an informed decision about whether your offer is right for them, because you've actually given them enough information and context to really decide that. So even when we're not selling, we're kind of pre-selling in a way, right? Because our content is strategically linked to our offers through these content pillars.
The last reason that content pillars are really important, also something Jessi was touching on, which was about that overall content strategy. Of course, yeah, you do want to be able to be flexible, right, when inspiration strikes or something's happening in the world. But it just really relieves that burden of you having to sit there and scratch your chin and think, "What am I going write about today?" Or, "What am I going to talk about on this podcast episode?"
Yeah. Absolutely. So content pillars have a huge number of benefits if you start implementing them. I think that the quickest, clearest benefit that it has really is that clarity around, oh yeah, this is what I talk about and so now I can just create content around these topics. Often when you're thinking about your content pillars and what falls under them, what specific topics, the act of thinking about them actually sparks content ideas. So this is an activity that you can do. We're going to give you some homework, surprise, surprise, to start thinking about your content pillars, but it's something you can come back to if you're ever feeling like you're kind of at the bottom of the barrel for content ideas. So your homework is to grab a piece of paper and set a timer for like, I don't know, a minute or two and just during that time, write down all of the things that you could talk about in your business. Don't worry about how to categorize them. Just whatever you talk about in your business, jot it down so that you have a long list of all the different possibilities.
Then I want you to grab highlighters, either two or three different colored highlighters. Not more than that, because remember, we want to keep the content pillars to two to three content pillars. The next thing that you're going to do is you're going to look at that list and you're going to try to categorize all of those topics that you wrote down into those two to three colors. You're going to color code them based off of what similarities they have. Every single thing you write down may not fit and that's okay. That's that extra 20% of content that you might be able to slide in sometimes. But at the end of it, you should have a pretty solid list of two to three color coded topics that you can then name those categories and those categories become your content pillars.
Yes, you can also do this with sticky notes or index cards and put them into piles. So if you find that there's a lot of stuff that doesn't really fit, then that's a chance for you to evaluate it and say like, "Well, does this actually even really connect to what I'm doing? Is this connecting to like a low priced offer that maybe I could get rid of altogether?" things like that. So this will allow you to do a little bit of spring cleaning within your content and within your offers. Whatever is left, those are your content pillars and now you have a content, or at least the makings, the bones of a content strategy moving forward.
So I also want to just quickly challenge you. When you do this, you see one of two things. One, you have an offer with no content topics connected to it.
You're like, "Why isn't this selling?"
Yeah. Or you have a offer that has content conducted to it, but the offer and the content aren't really synced up or don't really match. This is an opportunity for you to see where those holes might be, where you may need to maybe create an offer. Maybe you have content and there's no offer connected to it at all. That may be an opportunity for you to create more content or a new offer, especially if it's content you've been using for a while. You may have been priming an audience for something that doesn't even exist yet without realizing it. So this is a great opportunity.
This may mean you might have an amazing lunch.
Right, who knows? You won't know until you start looking at all of the content you're creating and putting it in these categories. So take that with you as you're doing this activity with the idea of really your goal is to get a clear sense of what your pillars are and what your subtopics are.
Yeah, because ultimately at the end of the day, you are potentially leaving money on the table if you've not gone through this exercise. So happy content pillaring. Thanks for joining us for this episode of the Brand Your Voice Podcast. Make sure to visit our website, northstarmessaging.com, where you can subscribe to the show on iTunes, Spotify, and more.
If you found value in this episode, we'd love for you to leave us a review on iTunes and share it with your friends. Thank you and happy content creating.
For additional content strategy and branding tips, check out northstarmessaging.com/blog. Also, please tag us on Instagram and let us know you're out there! @northstarmessaging
Media + Press
Copyright © 2020 North Star Messaging + Strategy™


text:
Вульканайфель () — район в Германии. Центр района — город Даун. Район входит в административный округ Трир земли Рейнланд-Пфальц. Занимает площадь 910,98 км². Население — 63 646 чел. Плотность населения — 70 человек/км².
Официальный код района — 07 2 33.

Район подразделяется на 109 общин, сгруппированных в 5 объединений общин.

Общины и их объединения
Объединение общин Даун
 Беттельдорф (311)
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 Винкель (169)

Объединение общин Герольштайн
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Примечания

Ссылки
 www.vulkaneifel.de Официальная страница

Административные единицы третьего уровня
Районы земель Германии
Районы Рейнланд-Пфальца

redpajama_set_name: RedPajamaWikipedia


text:
Q: what module do you recommend for xmlrpc in Perl in cgi script? I am looking for a module in Perl that I can use to respond on remote procedure call in a  serverside script.
Which is the best in terms of quality and easy of use?
Thank you.
From other source, I found RPC::Any::Server::XMLRPC::CGI. (RPC::Any)

A: RPC::XML is okay. See some real-world examples dealing with  pingpack.

redpajama_set_name: RedPajamaStackExchange


– What is the Personal Legend?
– It is your blessing, the path God has chosen for you here on Earth. Whenever a man does that which gives him enthusiasm, he is following his Legend. However, not everyone has the courage to face up to his own dreams.
– There are four obstacles. The first: he has heard, right from childhood, that everything he wishes to live is impossible. He grows up with this idea, and as he acquires age, he also accumulates layers of prejudices, fears, guilt. There comes a time when his Personal Legend is so deeply buried within his soul, he can no longer see it. But it is still there.
"If he has the courage to unearth his dreams, he then faces a second obstacle: love. He now knows what he desires to do, but he thinks he will harm those around him, if he gives everything up to follow his dreams. He does not understand that love is an additional impulse, not something which hinders one from going forward. He does not understand that those who truly wish him well are longing for his happiness, and are ready to accompany him on this adventure.
"After accepting love as a stimulus, a man faces the third obstacle: the fear of the defeats he will encounter along the way. A man who fights for his dream suffers far more when something doesn't go well, because he cannot use the famous excuse: "oh, well in fact that wasn't exactly what I wanted anyway…" He does want it, and knows he is putting everything into it, and also that the Personal Legend is just as difficult as any other path – the difference being that your heart is present on this journey. So, a warrior of the light must be prepared to be patient at difficult times, and know that the Universe is conspiring in his favor, even if he does not understand how.
– Are the defeats necessary?
– Whether necessary or not, they occur. When he begins fighting for his dreams, man has no experience, and makes many mistakes. But the secret in life is to fall seven times, and rise up eight times.
– Why is it important to live the Personal Legend, if we are to suffer just as much as others?
– Because after having overcome the defeats – and we always overcome them – we feel much more euphoria and confidence. In the silence of our hearts, we know we are worthy of the miracle of life. Each day, each hour, is part of the Good Combat. We begin to live with enthusiasm and pleasure. Very intense and unexpected suffering begins passing faster than apparently tolerable suffering: that drags on for years, eroding our soul without us noticing what is happening – until one day we can no longer free ourselves of the bitterness, and it accompanies us for the rest of our lives.
– And what is the fourth obstacle?
– After unearthing your dream, using the power of love for support, spending many years with the scars, a man realizes – from one day to the next – that everything he always wanted is right there, waiting for him, perhaps the very next day. Then comes the fourth obstacle: the fear of realizing the dream he has fought for all his life.
– That makes no sense.
– Oscar Wilde said that we always destroy the thing we love the most. And it is true. The simple possibility of achieving that which we desire causes the soul of the common man to be filled with guilt. He looks around, and sees many others who have not succeeded, and so he thinks he does not deserve it. He forgets everything he overcame, all he suffered, everything he had to renounce in order to come this far. I know many people who, when they are within reach of their Personal Legend, make a series of silly mistakes and do not attain their objective – when it was just one step away.
"This is the most dangerous of the obstacles, because it has a certain aura of sanctity about it: to renounce to joy and the conquest. But if the man is worthy of that which he has fought so hard for, he then becomes an instrument of God, aids the Soul of the World, and understands why he is there".


Style with waves plus contrasting highlights and youll totally get lots of movement. Thick hair can both be a blessing and a curse. Often people wait until they see their dream haircut before they take the plunge.
22 best medium hairstyles for women 2019 shoulder length hair ideas.
All one length shoulder length hairstyles. When heading to your next hair appointment tuck one of these gorgeous shoulder length hairstyles up your sleeve and leave feeling fresh and stylish. If you love layers and the choppy look go for this haircut. The shape of your face is important for choosing a medium length haircut or better for styling it right. Just call it the chop its that perfect medium hair length that doesnt fall too long or hit too short.
Are you looking for medium length hairstyles that are flattering for thick hair. A one length cut like this help frame the face and accentuate your bone structure. If youre growing out shoulder length hair or cutting down your long hair at this length youll be able to achieve multiple looks. You can vary your style from elegant to playful in a couple of minutes and your stylist can put the layers in the best places to balance out your face shape.
Medium length is the most universal one especially when it comes to thin hair and you can make lots of cool hairstyles even if you wish your hair was much thicker. This could be the one for you. Not too short and not too long these cute shoulder length hairstyles for women fall right at the perfect spot. It just so happens to be one of the hottest hairstyles as well.
One of the best ways to flaunt your gorgeous thick locks is with one of the many trendy shoulder length hairstyles that are popular today. A heart shaped face will be fine in medium hairstyles parted at the center of the head while round diamond or square face is perfect when your mid length hair is parted slightly at one side of the head. Home 22 best medium hairstyles for women 2019 shoulder length hair ideas. Its the to the shoulders cut you get when youre sick of long hair but youre not ready to commit to a bob or a shag.
Shoulder length hairstyles are one of the most versatile haircuts you can get. These are rather versatile including loose styles on the basis of bob haircut and various updos with braiding twists or ponytails.


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Home › Brisbane hotels › Prominent Publicans: 7
Prominent Publicans: 7
By Mick Roberts on January 27, 2016 • ( 0 )
JOHN Greaves, the genial boniface of the British Empire Hotel, is a son of Erin, Born in Limerick, with his brother he left the land of the Shamrock in 1865 in the ship Sunda for Mornton Bay.
Their first occupation was on a sheep station and then mining attracted him, and he followed it up with success for 10 years.
Gympie was the first field, and there, in company with others, among whom was John Macrossan, he went to the Gilbert River, walking the 360 miles from Townsville. He was also on the Etheridge and Rockhampton from which place he went first to Peak Downs and on to Rivenswood.
Just before the Towers rush, with his brother he was camped on tho Broughton River, and when the find was announced, made for the now field. Mr. Greaves set up the first winding plant on the Towers.
With another claim called the "Just in Time", they were the first to hoist the red flag on the Towers. Some years later he came to Brisbane, but the Palmer rush found him back at his old pursuit, but this time fortune was fickle,and he returned to Brisbane.
In 1875 Mr. Greaves married, and a little later went into the hotel business. His first stand was the Cafe de Paris, which was on the site of the Telegraph Buildings. Since then he has most successfully managed the European (York), Australia, and Newmarket hotels, and now holds the license of the British Empire.
An original member of Tattersall's, and the Q.T.C., Mr. Greaves is a keen sport. He has taken a great interest in every charitable movement, especially anything connected with the hospitals. Mr. Greaves is also a director of the West End Brewery.
-Truth (Brisbane, Qld.), Sunday 8 January 1905.
‹ Prominent Publicans: 6
Prominent Publicans: 8 ›
Categories: Brisbane hotels, Publicans, Queensland hotels
Tags: Brisbane Telegraph Buildings, British Empire Hotel Brisbane, Cafe de Paris Brisbane, Charters Towers Gold Rush, European Hotel Brisbane, John Greaves, John Macrossan, Newmarket Hotel Brisbane, West End Brewery, York Hotel Brisbane


Hefner, Robert W., 1952-, Horvatich, Patricia, 1962-2016.
Honolulu, Hawaii : University of Hawai'i Press, ©1997.
Islam and politics > Southeast Asia.
Islam and state > Southeast Asia.
Islamic fundamentalism > Southeast Asia.


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Harry potter and the goblet of fire download in hindi. Harry Potter all Part Hindi Me Download Kare
Harry potter and the goblet of fire download in hindi Rating: 9,4/10 770 reviews
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Unlike the first two films, this did not attempt to condescend as much to small children in the audience. Director: Mike Newell Creator: Steve Kloves screenplay , J. The Phelp twins have also improved dramatically. Few of the students and parents believe him or Dumbledore that Voldemort is really back. Newt Scamander David Yates Ezra Miller Ron Uploaded: 10 April, 2016 Category: Entertainment Size: 22. All the Hogwarts students then start to sing the school song.
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With these many things, Harry begins one of his toughest years at Hogwarts School of Witchcraft and Wizardry. In GoF, Dumbledore feels very human in the way he carries the weight of the wizarding world on his shoulders and though he struggles at times, his concern for his pupils is paramount. He needs to get some answers concerning the puzzling occasion that should occur at Hogwarts this year, an occasion including two other opponent schools of enchantment, and an opposition that hasn't occurred for a century. Although most of the young cast have expanded their acting skills as they have gone on, Emma Watson is waning. The tasks of the Triwizard tournament captured most of the thrills of the book, particularly the second water-based task where the merpeople were suitably creepy now we know why none of the kids go swimming in the summer term! We Provide Direct Google Drive Download Links For Fast And Secure Downloading. Well, the story begins when Harry Potter is halfway through his preparation as a wizard and his transitioning.
The contestants have to be above the age of 17, and are chosen by a magical object called Goblet of Fire. Wyverns generally are considered lesser cousins of the dragons, and are often unable to breathe fire. Harry's fourth year at Hogwarts is about to start and he is enjoying the summer vacation with his friends. Harry Potter and the Goblet of Fire 2005 Hindi Dubbed Full Movie Online : Harry starts his fourth year at Hogwarts, competes in the treacherous Triwizard Tournament and faces the evil Lord Voldemort. Harry needs to make tracks in an opposite direction from the malevolent Dursleys and go to the International Quidditch Cup.
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You can see the same two women approach again and sit down again. She has a tendency of over-enunciating her lines and being too melodramatic, which worked in 'The Philosopher's Stone' when Hermione was condescending and childishly bossy, but is just annoying by this point. As it does not have front legs, it is clearly a wyvern. Alan Rickman's Snape may only have had four or so scenes but he definitely made his presences known while Maggie Smith really captured the essence of McGonagall. Crouch and Harry are speaking. A young wizard finds himself competing in a hazardous tournament between rival schools of magic, but he is distracted by recurring nightmares. There was also a choppy feel to the film, as if Steve Kloves struggled to properly condense the book into a two-hour film.
I would recommend that parents of young children either keep away or, at the very least, check out the film firstly before deciding if their child is old enough to cope with it. No longer do they come across as wooden cut-outs just reading from a cue-card and instead they are able to show the mischievous spontaneity of the Weasley twins. Ron and Hermione help Harry manage the pressure — but Voldemort lurks, awaiting his chance to destroy Harry and all that he stands for. When an ancient tournament between Hogwarts and two other European wizarding schools is held that year, a Seventh Year contestant is chosen from each school to compete but things go dramatically awry when Harry, three years too young to even be entered in the dangerous and challenging tournament, is somehow also chosen after his name is mysteriously nominated. She spent most of the film sounding as if she was on the verge of tears or in a hormonal snit, even in scenes which were not remotely sad or upsetting. He still stumbled on occasion in other scenes but I, at last, have faith he might be able to do the Harry of 'Order of the Phoenix' justice when the time comes. Director: David Yates Creator: Michael Goldenberg screenplay , J.
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Hermione believes his death, Harry's scar burning, and the Dark Mark at the Quidditch World Cup are related. The contestants have to be above the age of 17 and are chosen by a magical object called Goblet of Fire. The younger cast have also grown into their roles, improving from their previous outing. This is the 5th part of Harry Potter Series. Ron thinks that Fudge will prevent the story from leaking out to the public.
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On the night of selection, however, the Goblet spews out four names instead of the usual three, with Harry unwittingly being selected as the Fourth Champion. Gleeson clearly enjoyed illustrating Moody's dangerous, feral edge. Another cousin of the dragon is the drakon, appearing identical to dragons, only lacking wings. As Potter fans will know, in GoF, Harry is now fourteen and in his Fourth Year at Hogwarts. Rowling novel Stars: Daniel Radcliffe, Emma Watson, Rupert Grint Genres: Adventure Family Fantasy Mystery Language: Hindi and Englis Dual Audio Size: 1. The film did lose points on a few issues. The ministry had decided to step in by appointing a new Defence Against the Dark Arts teacher that proves to be the nastiest person Harry has ever encountered.
जो कि आप सभी को बहुत पसंद आती है. GoF is a sharp turning point in the books as the tone darkens considerably and the characters themselves change from being rather wide-eyed innocent children to adolescents thrust the turbulent, uncertain adult world where being 'good' or even an innocent will not guarantee your survival. I have to say I did enjoy this film, although Prisoner of Azkaban remains my favourite of the four. अगर आपको यह Movies Download करने में किसी भी तरह की कोई परेशानी आये तो आप मुझे निःसंकोज होकर मेरे Mobile Number 7060830844 पर Phone करके मेरी Help ले सकते हो. I think most Potter fans will enjoy this although they will remark that it could have been better. Genre: , , Stars: , , Director: Mike Newell Country: , Rating: 6. She recommends Harry goes to visit Dumbledore.
This is the 4th part of Harry Potter Series. Based on one of the best books of the Harry Potter series, the film adaptation of 'Harry Potter and the Goblet' had a lot to live up to and I think it succeeded. The acting of the adult cast is, of course, exemplary as always. And I look forward to seeing more of Matthew Lewis, who was great at showing Neville's sensitive side without making him too klutzy. Harry Potter all Part Hindi Me Download Kare जैसा की आप सभी को मालूम है मैं अक्सर आप लोगो के बिच Hollywood Movies के लिंक देता हु. On the night of selection, however, the Goblet spews out four names instead of the usual three, with Harry unwittingly being selected as the Fourth Champion.


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