text:
Difference between revisions of "Free Porn Intercourse Videos"
From SEDS-USA Wiki
Locketdoll2 (talk | contribs)
Doubtdraw56 (talk | contribs)
It's exceptionally class acutely aware for pornography, downright hilarious, with sex scenes which are enjoyable and horny . "Bored housewife" may be a drained trope at present, but True's performance is more heartbreaking than titillating, which makes Lynn really feel like a fully original character. The sex is downright creepy, however Gillis and True are so scarily good on this movie, it makes one wish that hardcore motion pictures and straight cinema had ended up intertwining the way so many of these Golden Age stars hoped they'd.

Two of the earliest pioneers have been Eugène Pirou and Albert Kirchner. Kirchner directed the earliest surviving pornographic movie for Pirou underneath the trade name "Léar". The 1896 movie Le Coucher de la Mariée confirmed Louise Willy performing a striptease. Pirou's film inspired a genre of risqué French films exhibiting girls disrobing and different filmmakers realised income might be created from such films. Before the English Act, the publication of obscene materials was handled as a typical law misdemeanour and effectively prosecuting authors and publishers was tough even in instances the place the material was clearly intended as pornography. You can create your verified consumer account to upload porn videos to our website in several completely different codecs.

However, a considerable portion of pornography isn't normative, featuring extra nonconventional types of scenarios and sexual exercise corresponding to "'fat' porn, amateur porn, disabled porn, porn produced by girls, queer porn, BDSM, and body modification." [https://pastelink.net/bygzsayd Bonuses] emphasizes that scientific research rarely discusses so-called "pornography addiction," or its instructed role in ED. Yet the term is frequent on Internet boards and other non-clinical sources, and may even be used in remedy. This supposed link between erectile dysfunction and pornography has fueled a lucrative business, regardless of there being little scientific proof to support the hyperlink.

This web site ought to solely be accessed in case you are at least 18 years old or of authorized age to view such material in your local jurisdiction, whichever is bigger. Furthermore, you characterize and warrant that you will not enable any minor access to this web site or services. [https://markoak7.bravejournal.net/post/2021/10/10/free-Porn-Video-Search site web] have been 18 years of age or older on the time of depiction.

YouPorn has an unbeatable selection of free porn that you will be onerous pressed to seek out on another tube web site. Our assortment of hardcore intercourse movies is top notch, so no matter your kink of selection is, you can see your favorite pornstars and their XXX scenes with ease. Masturbate and make yourself cum to the sight of lesbian teens consuming pussy or of husbands being fucked by their wives and their girlfriends in scorching threesomes. We even have a whole section of porn for women for all the ladies on the market who like their intercourse a bit more erotic.

Pornography's many detractors argue that it damages intimacy and relationships, and promotes the subjugation of ladies. Nevertheless, some specialists suggest that it could be a means for some males to fulfill sexual fantasies they do not seem to be snug discussing with their companions. Some analysis suggests that porn use could help stem sexual offenses, promote a higher understanding of sexual variety, and assist people better access their own needs and sexuality—which they can then talk to their companions. Some courts have held that copyright protection successfully applies to works, whether or not they're obscene or not, however not all courts have ruled the same means.

The movie follows a bunch of younger, hot phone operators who turn out to be distressed once they learn they are in danger of being changed by an automated system. I love this movie so much, I even have the poster hanging in my lounge. Lisa De Leeuw is an undeniable knockout, but her earnest portrayal of Harriet—a sexually frustrated secretary who seems to her boss's intercourse worker, Lucy, for guidance—is completely fascinating. This movie follows a semi-bored housewife—Lynn Carter—whose husband (the solely man she's ever slept with) is out of city on a business trip. Lynn meets a Sean , a captivating sex advisor, and the two agree to have lunch the following day.

Lawmakers have additionally raised issues about "upskirt" pictures taken of girls with out their consent. In many nations there was a demand to make such actions specifically illegal carrying greater punishments than mere breach of privateness or image rights, or circulation of prurient materials. As a outcome, some jurisdictions have enacted specific laws towards "revenge porn". Various groups within society have thought of depictions of a sexual nature immoral, addictive, and noxious, labeling them pornographic, and trying to have them suppressed beneath obscenity legal guidelines, censored or made unlawful. Such grounds, and even the definition of pornography, have differed in numerous historical, cultural, and national contexts. It was adopted by the Golden Age of Porn (1969–1984), during which the very best quality pornographic films became part of mainstream tradition.

Child pornography is in opposition to the law in almost all nations, and a few international locations have restrictions on rape pornography or animal pornography. As of 2014, the porn trade was believed to herald greater than $13 billion on a yearly basis within the United States. CNBC has estimated that pornography was a $13 billion trade within the US, with $3,075 being spent on porn each second and a new porn video being produced each 39 minutes.
It's exceptionally class aware for pornography, downright hilarious, with intercourse scenes that are fun and attractive . "Bored housewife" could also be a drained trope right now, but True's efficiency is more heartbreaking than titillating, which makes Lynn really feel like a fully unique character. The intercourse is downright creepy, but Gillis and True are so scarily good on this film, it makes one wish that hardcore movies and straight cinema had ended up intertwining the way so many of those Golden Age stars hoped they would.

Two of the earliest pioneers had been Eugène Pirou and Albert Kirchner. Kirchner directed the earliest surviving pornographic movie for Pirou underneath the commerce name "Léar". The 1896 film Le Coucher de la Mariée confirmed Louise Willy performing a striptease. Pirou's film inspired a style of risqué French movies exhibiting ladies disrobing and different filmmakers realised profits might be created from such movies. Before the English Act, the publication of obscene materials was handled as a typical law misdemeanour and successfully prosecuting authors and publishers was troublesome even in circumstances the place the fabric was clearly meant as pornography. You can create your verified consumer account to addContent porn movies to our web site in several totally different codecs.

However, a substantial portion of pornography isn't normative, featuring more nonconventional forms of scenarios and sexual activity such as "'fat' porn, novice porn, disabled porn, porn produced by girls, queer porn, BDSM, and physique modification." A 2014 article emphasizes that scientific research not often discusses so-called "pornography addiction," or its advised function in ED. Yet the time period is frequent on Internet boards and other non-clinical sources, and will even be used in treatment. This supposed link between erectile dysfunction and pornography has fueled a profitable trade, despite there being little scientific evidence to help the hyperlink.

This website ought to solely be accessed if you're no much less than 18 years old or of legal age to view such materials in your local jurisdiction, whichever is bigger. Furthermore, you represent and warrant that you'll not enable any minor access to this site or companies. All fashions have been 18 years of age or older on the time of depiction.

YouPorn has an unbeatable choice of free porn that you might be onerous pressed to find on any other tube site. Our assortment of hardcore sex videos is top notch, so whatever your kink of alternative is, you will discover your favorite pornstars and their XXX scenes with ease. Masturbate and make yourself cum to the sight of lesbian teens consuming pussy or of husbands being fucked by their wives and their girlfriends in hot threesomes. We even have a complete part of porn for women for all the women out there who like their intercourse a bit extra erotic.

Pornography's many detractors argue that it damages intimacy and relationships, and promotes the subjugation of women. Nevertheless, some experts counsel that it might be a means for some men to fulfill sexual fantasies they don't seem to be snug discussing with their companions. Some analysis suggests that porn use may assist stem sexual offenses, promote a greater understanding of sexual range, and assist folks higher entry their own needs and sexuality—which they'll then talk to their partners. Some courts have held that copyright protection effectively applies to works, whether or not they're obscene or not, however not all courts have ruled the same way.

The film follows a bunch of young, scorching telephone operators who turn out to be distressed after they be taught they're at risk of being replaced by an automatic system. I love this movie so much, I have the poster hanging in my lounge. Lisa De Leeuw is an plain knockout, but her earnest portrayal of Harriet—a sexually pissed off secretary who seems to her boss's sex worker, Lucy, for guidance—is utterly charming. [http://www.filedropper.com/pornforgirlsmoviestqogq this content] follows a semi-bored housewife—Lynn Carter—whose husband (the solely man she's ever slept with) is out of city on a business trip. Lynn meets a Sean , an enthralling intercourse marketing consultant, and the two comply with have lunch the following day.

Lawmakers have additionally raised issues about "upskirt" photos taken of girls without their consent. In many countries there was a requirement to make such actions particularly illegal carrying larger punishments than mere breach of privateness or image rights, or circulation of prurient material. As a result, some jurisdictions have enacted particular legal guidelines in opposition to "revenge porn". Various groups within society have thought of depictions of a sexual nature immoral, addictive, and noxious, labeling them pornographic, and attempting to have them suppressed under obscenity legal guidelines, censored or made illegal. Such grounds, and even the definition of pornography, have differed in varied historical, cultural, and nationwide contexts. It was followed by the Golden Age of Porn (1969–1984), in which the finest quality pornographic films became part of mainstream tradition.

Child pornography is illegal in nearly all international locations, and a few countries have restrictions on rape pornography or animal pornography. As of 2014, the porn business was believed to usher in more than $13 billion on a yearly basis in the United States. CNBC has estimated that pornography was a $13 billion business in the US, with $3,075 being spent on porn every second and a new porn video being produced every 39 minutes.
It's exceptionally class aware for pornography, downright hilarious, with intercourse scenes that are fun and attractive . "Bored housewife" could also be a drained trope right now, but True's efficiency is more heartbreaking than titillating, which makes Lynn really feel like a fully unique character. The intercourse is downright creepy, but Gillis and True are so scarily good on this film, it makes one wish that hardcore movies and straight cinema had ended up intertwining the way so many of those Golden Age stars hoped they would.
Two of the earliest pioneers had been Eugène Pirou and Albert Kirchner. Kirchner directed the earliest surviving pornographic movie for Pirou underneath the commerce name "Léar". The 1896 film Le Coucher de la Mariée confirmed Louise Willy performing a striptease. Pirou's film inspired a style of risqué French movies exhibiting ladies disrobing and different filmmakers realised profits might be created from such movies. Before the English Act, the publication of obscene materials was handled as a typical law misdemeanour and successfully prosecuting authors and publishers was troublesome even in circumstances the place the fabric was clearly meant as pornography. You can create your verified consumer account to addContent porn movies to our web site in several totally different codecs.
However, a substantial portion of pornography isn't normative, featuring more nonconventional forms of scenarios and sexual activity such as "'fat' porn, novice porn, disabled porn, porn produced by girls, queer porn, BDSM, and physique modification." A 2014 article emphasizes that scientific research not often discusses so-called "pornography addiction," or its advised function in ED. Yet the time period is frequent on Internet boards and other non-clinical sources, and will even be used in treatment. This supposed link between erectile dysfunction and pornography has fueled a profitable trade, despite there being little scientific evidence to help the hyperlink.
This website ought to solely be accessed if you're no much less than 18 years old or of legal age to view such materials in your local jurisdiction, whichever is bigger. Furthermore, you represent and warrant that you'll not enable any minor access to this site or companies. All fashions have been 18 years of age or older on the time of depiction.
YouPorn has an unbeatable choice of free porn that you might be onerous pressed to find on any other tube site. Our assortment of hardcore sex videos is top notch, so whatever your kink of alternative is, you will discover your favorite pornstars and their XXX scenes with ease. Masturbate and make yourself cum to the sight of lesbian teens consuming pussy or of husbands being fucked by their wives and their girlfriends in hot threesomes. We even have a complete part of porn for women for all the women out there who like their intercourse a bit extra erotic.
Pornography's many detractors argue that it damages intimacy and relationships, and promotes the subjugation of women. Nevertheless, some experts counsel that it might be a means for some men to fulfill sexual fantasies they don't seem to be snug discussing with their companions. Some analysis suggests that porn use may assist stem sexual offenses, promote a greater understanding of sexual range, and assist folks higher entry their own needs and sexuality—which they'll then talk to their partners. Some courts have held that copyright protection effectively applies to works, whether or not they're obscene or not, however not all courts have ruled the same way.
The film follows a bunch of young, scorching telephone operators who turn out to be distressed after they be taught they're at risk of being replaced by an automatic system. I love this movie so much, I have the poster hanging in my lounge. Lisa De Leeuw is an plain knockout, but her earnest portrayal of Harriet—a sexually pissed off secretary who seems to her boss's sex worker, Lucy, for guidance—is utterly charming. this content follows a semi-bored housewife—Lynn Carter—whose husband (the solely man she's ever slept with) is out of city on a business trip. Lynn meets a Sean , an enthralling intercourse marketing consultant, and the two comply with have lunch the following day.
Lawmakers have additionally raised issues about "upskirt" photos taken of girls without their consent. In many countries there was a requirement to make such actions particularly illegal carrying larger punishments than mere breach of privateness or image rights, or circulation of prurient material. As a result, some jurisdictions have enacted particular legal guidelines in opposition to "revenge porn". Various groups within society have thought of depictions of a sexual nature immoral, addictive, and noxious, labeling them pornographic, and attempting to have them suppressed under obscenity legal guidelines, censored or made illegal. Such grounds, and even the definition of pornography, have differed in varied historical, cultural, and nationwide contexts. It was followed by the Golden Age of Porn (1969–1984), in which the finest quality pornographic films became part of mainstream tradition.
Child pornography is illegal in nearly all international locations, and a few countries have restrictions on rape pornography or animal pornography. As of 2014, the porn business was believed to usher in more than $13 billion on a yearly basis in the United States. CNBC has estimated that pornography was a $13 billion business in the US, with $3,075 being spent on porn every second and a new porn video being produced every 39 minutes.
Retrieved from "http://wiki.seds.org/index.php?title=Free_Porn_Intercourse_Videos&oldid=14445"
About SEDS-USA Wiki


Pursuant to the resolution adopted by the Shareholders Assembly (held on 07 February 2019) Gorenje d.d. will be transformed from a joint stock company into a limited liability company. The transformation marks the completion of the takeover process, with the company Hisense as the only remaining shareholder and introduces a simpler governance system without the Supervisory and Management Board.
As of the date of entry of the transformation in the Court Register, which is expected to occur by the end of February, the members of the Supervisory and Management Board will cease their term of office. In place of a Supervisory Board and Management Board, Gorenje will be managed by a seven-member Committee of Directors which is chaired by Franjo Bobinac and includes two Chief Managing Directors, Lan Lin and Chao Liu, and four Directors: Yeguo Tang, Shaoqian Jia, Žiga Debeljak, and Drago Bahun as labour director/employees' representative.
Five additional members of the previous Management Board, i.e. Stanka Pejanović, Tomaž Korošec, Hanson Han, Lu Hou, and Saša Marković will continue to participate in the management of the company; they will be named holders of procuration or executive vice presidents of the company. The management will be responsible for the company's current operations, i.e. production and business management, implementation of decisions adopted by the shareholder and the Committee of Directors, organising the implementation of business and investment plans, defining the company's internal organisation, etc.


Located in a beautiful wooded area on a hill at an altitude of 250m. There is beautiful architecture surrounding the site as well as medieval farms.
By clicking "Submit" you certify that this review is based on your own experience and is your genuine opinion of "La Paille Basse" and that you have no personal or business relationship with "La Paille Basse" and have not been offered any incentive or payment originating from "La Paille Basse" to write this review.


"Ini tidak mudah, ini sulit."
Translation:This is not easy, it is difficult.
shouldn't 'this is not easy, this is difficult' also be acceptable. How do you know when to translate 'ini' as 'this' or 'it'?
Please report it , so that they can fix it.
There is no reason to reject "this" as a translation, while "it" is accepted.
I protested but I was wrong - left out verb! Maaf!


text:
Silicon Valley Guru Affected by the Fulminant Slashed
Major Deep New Release: Feelings Power Deep House Mix
HomeUncategorizedBest Luxury Brands 2022: The Most Popular Designer Brands In The World
Best Luxury Brands 2022: The Most Popular Designer Brands In The World
By Javeria
Luxury comes in a variety of shapes and sizes. Today's top luxury businesses sell everything from designer apparel to pricy watches, from pricey shoes to unique purses, and from high-end cosmetics to lavish vehicles. Their products may differ, but there are a few characteristics that these premium brands have in common. As some of the world's most known firms, these brands all have a deep history (several of them are over 100 years old), offer the highest quality products accessible, and function as tastemakers for their respective sectors, creating new trends and practises that impact us all.
Whether you want to spend and treat yourself to some luxury this year, or you're just interested about which companies are making news right now, scroll down to uncover the top 50 luxury brands in the world in 2022. If you want to start your own luxury business, use a professional logo creator to help you design your premium brand image.
The Best Luxury Fashion Brands
1.Hermes
Paris, France was founded in 1837.
Website of Hermes
Hermes, the luxury French brand, began as a premium harness firm in 1937 before evolving into one of the most well-known brands in fashion and luxury today. Hermes is most renowned for its leather goods line, but it also provides ready-to-wear apparel, fragrances, accessories, purses, shoes, silk scarves, home furnishings, watches, and fashion jewellery.
The company is particularly known for its iconic Birkin bag (named after English actress Jane Birkin), which ranges in price from $12,000 to $400,000 and is regarded as one of the finest investments in the world of fashion owing to its scarcity and long waiting list
2. Louis Vuitton
Website of Louis Vuitton
Louis Vuitton is one of the most known brands in high-end fashion today, having been named the world's most valuable luxury brand for six consecutive years between 2006 and 2012. Louis Vuitton is most known for its assortment of luxury trunks and luggage, but it also provides ready-to-wear apparel, leather accessories, fragrances, fashion jewellery, and other luxury items.
With a stunning $60 billion in sales in 2019 and more than $50 billion in 2020, it's no wonder that the brand's CEO and chairman, Bernard Arnault, is presently the world's third richest man.
3.Chanel
Website of Chanel
Chanel began as a millinery store in 1910, providing hats and other headwear to Paris's wealthy socialites. Chanel is currently renowned as the ultimate of luxury, providing leather accessories, ready-to-wear apparel, watches, jewellery, scarves, and the famed Chanel No.5 fragrance, among other expensive scents.
Karl Lagerfeld's iconic boy bags (named after Gabrielle Chanel's first love, Boy Capel) have become synonymous with high-end design and are now among the most sought-after luxury bags in the world.
Florence, Italy was founded in 1921.
Website of Gucci
Gucci, which was founded in 1921, mixes opulent Italian craftsmanship with current design trends to make some of the most notable pieces in fashion globally. Gucci is well known for its beautiful textiles such as Flora (which was expressly ordered by Princess Grace Kelly of Monaco), but they also sell ready-to-wear apparel, watches, designer jewellery, purses, shoes, accessories, cosmetics, and fragrances today.
5.Tom Ford is number
Established in 2005 in New York, United States
Website of Tom Ford
Founded in 2005 by American designer Tom Ford, this premium label is well known for its range of opulent suits, which are regarded as the greatest in the world today. Tom Ford may be the youngest brand on this list, but its name is equally as widely recognised in the world today as the other fashion businesses featured here.
The business sells a variety of luxury items, but it is most recognised for its eyeglasses and unique perfume collections, as well as its renowned formal dress range.
6. Fendi
Established in 1925 in Via del Plebiscito, Rome, Italy.
Website of Fendi
Fendi was founded in 1925 by Adele and Edoardo Fendi as a leather and fur boutique in Rome before becoming into the giant fashion brand it is today.Fendi is one of the largest brands in luxury fashion today, with over 200 stores worldwide. It is recognised for offering leather accessories, ready-to-wear clothes, scarves, fur garments, and fur accessories.
7. Burberry
Basingstoke, United Kingdom was founded in 1856.
Website of Burberry
Burberry is a British luxury fashion company that was founded over two centuries ago, in 1856, and is best known for its assortment of exquisite trench coats. Burberry now sells ready-to-wear apparel, fragrances, eyewear, fashion accessories, and leather products through over 400 locations in 59 countries.
The company began as an outerwear business for the chilly British winters and is most known for developing Gabardine, a tightly woven luxury fabric used to create premium suits, trousers, and overcoats.
8. Givenchy
Established in 1952 in Paris, France
Website of Givenchy
Givenchy, known for its combination of exquisite designs and unusual shapes, was formed in 1952 and rose to notoriety through American actress and fashion icon Audrey Hepburn, who wore Givenchy clothes in several of her films, including Breakfast at Tiffany's (1961) and Funny Face (1962). (1957).
Currently, the French fashion and perfume firm provides haute couture apparel, ready-to-wear clothing, leather handbags, perfumes, shoes, and other high-end items.
9. Alexander McQueen
Founded in 1992 in London, England
Website of Alex Mcqueen
Alexander McQueen, a British luxury brand created in London in 1992, is recognised for mixing exquisite tailoring with unusual trends and innovative processes. The company frequently produces spectacular and avant-garde fashion presentations, such as their human chess game show in Spring 2005 and their mirror of shipwreck catwalk in Spring 2003.
Alexander McQueen now provides ready-to-wear apparel, haute couture, leather accessories, scarves, and other luxury products through a global network of outlets.
10. Balmain
Founded in Paris, France in 1945
Website for Balmain
This French luxury fashion business, founded in 1945 by Pierre Balmain, is known for its quality fabrics, everlasting skirts, and fitted coats that have been seen on some of the world's top celebrities, including Kim Kardashian West and Gigi Hadid.
The brand nearly went bankrupt in 2004, but was quickly restored and sold to Mayhoola Investments for a whopping $548 million in 2016. Balmain is still one of the most well-known names in fashion, providing ready-to-wear garments, leather accessories, and luxury cosmetics.
11. Valentino
Founded in Rome, Italy in 1960.
Valentino's website
Valentino is a premium fashion company noted for its designs that exemplify Italian craftsmanship and elegance. Valentino, one of the world's most recognised fashion houses, has made wedding gowns for a number of notable celebrities throughout the years, including Elizabeth Taylor, Princess Madeleine of Sweden, Anne Hathaway, and Courtney Cox.
Valentino, which is headquartered in Milan, is best known for offering leather purses and shoes, tiny leather accessories, perfumes, eyewear, and ready-to-wear clothes.
12. Dior, Christian
Website of Dior
Christian Dior, known for its conventional, refined, and exquisite approach on fashion, was created in 1946 in Paris by a designer of the same name and today maintains over 200 boutiques worldwide. The business is recognised for catering mostly to women and is well-known for its haute couture, premium perfumes, cosmetics, leather purses, and accessories.
Christian Dior employs nearly 15,000 people worldwide and, among other partnerships, was formerly the employer of prominent fashion designer Yves Saint Laurent in the 1950s.
13. Prada
Milan, Italy was founded in 1913.
Website of Prada
You've probably heard of Prada, whether you believe yourself an angel or the devil. Established in 1913 by Mario Prada, this Italian fashion firm has undergone significant growth over the years and is now one of the world's most successful luxury labels.
Prada began in the twentieth century as Fratelli Prada, a boutique selling luxury leather goods such as purses and trunks. Today, the company is well-known for its ready-to-wear apparel, leather accessories, shoes, perfumes, and other products.
14. Celine
Website of Celine
Celine began as a made-to-order boutique for children's shoes in Paris in 1945. By 1960, the business was selling ready-to-wear women's shoes, and now Celine is a major name in ready-to-wear women's clothes, luxury leather bags and shoes, and various accessories.
LVMH purchased the French fashion brand in 1996 for a hefty $540 million. Celine has developed significantly over the years, with former notable creative directors like as Michael Kors and Phoebe Philo on the team.
15. Moncler
Monestier-de-Clermont, France was founded in 1952.
Website of Montcler
The name Moncler is an acronym of the town where it was formed (Monestier-de-Clermont), and it is the world's most recognised luxury skiwear brand today. The business began by making quilted coats to protect people from the brutal winter of France, and it remains faithful to its roots today. Moncler is well renowned for its premium quilted jackets and overcoats, which not only keep you warm and toasty, but are also regarded as the pinnacle of luxury skiwear.
16.Yves Saint Laurent
Website of Yves
After finishing his apprenticeship with Christian Dior, Yves Saint Laurent launched the iconic fashion house with partner Pierre Berge in 1961. The company quickly rose to fame for blurring the lines between female and male styles by marketing clothing such as tuxedo jackets for ladies and safari coats for men.
Yves Saint Laurent continues to push boundaries and promote modern ready-to-wear apparel, premium leather handbags and shoes, luxury cosmetic items, perfumes, and accessories while remaining true to its beginnings.
17.Bottega Veneta
Vicenza, Italy was founded in 1966.
Website of Bottega Veneta
Bottega Veneta, famous for its distinctive leather weaving process (known as Intrecciato), originally started a shop in 1966, offering handcrafted leather items. By 1972, the company had expanded into leather shoes and continued to incorporate their signature Intrecciato design into new product lines. Today, the Italian fashion brand is well-known for its ready-to-wear apparel, perfumes, jewellery, purses, and shoes for both men and women.
18.Balenciaga
Donostia-San Sebastian, Spain was founded in 1919.
Website of Balenciaga
Balenciaga, the sole Spanish name on this list, was created over a century ago in San Sebastianjewelry and is known for its uncompromising, innovative, and flamboyant designs. When Cristobal Balenciaga founded the company in 1919, it soon earned prominence for its signature bubble skirts and contemporary feminine forms, which continue to drive the brand's design approach.Today, Balenciaga continues to develop and define new trends with iconic goods like their famed sock shoe, which has generated headlines all over the world.
19. Versace
Website of Versace
Versace, founded in 1978 by Gianni Versace, expertly balances bright and colourful patterns with a refined and luxury design. The Versace Medusa emblem, which was inspired by the floor ruins of an area where Versace and his brothers used to play as youngsters, has helped the company attain global renown.
The Italian label sells high-end ready-to-wear apparel, leather shoes, and fine accessories. The brand's popularity has resulted in new projects such as Palazzo Versace (a premium hotel chain) and another fashion line titled 'Versus,' aimed at younger clients.
20. Salvatore Ferragamo
Website of Ferragamo
In the early twentieth century, designer Salvatore Ferragamo emigrated to the United States and began selling leather shoes made with great Italian craftsmanship. For his shoe designs, he immediately acquired acclaim as well as celebrity clientele such as Joan Crawford and Gloria Swanson. Ferragamo is now regarded as the greatest in the world of luxury leather shoes, as well as for its selection of leather purses, perfumes, eyewear, accessories, and ready-to-wear clothes.
21.Stella McCartney
Stella's official webpage
Stella McCartney founded the world's first sustainable and vegan luxury fashion business in 2001, in collaboration with famous multinational firm Kering, following in the footsteps of her mother (who was also an animal rights activist).Despite being made of vegetarian leather, McCartney's Falabella bags have grown popular across the world and are coveted by the wealthy. The label is also noted for its well-fitted apparel, eyeglasses, shoes, and accessories. McCartney purchased Kering's 50% investment in her firm in 2018 and is now the sole owner of this premium British brand.
22.Hugo Boss
Metzingen, Germany was founded in 1924.
Website of Hugo Boss
Hugo Boss was founded in 1924 and was originally recognised for producing uniforms for the German army and the Nazi party throughout WWII. The German fashion label is now linked with high-end business clothes.
Hugo Boss is one of the world's most famous luxury labels, with over 1000 locations worldwide. The company is currently well-known for selling women's apparel, children's clothing, perfumes, shoes, and accessories, thanks to the inclusion of new lines over the years.
23. Armani, Giorgio
Website of Armani
Founded in 1975 by Italian designer Giorgio Armani, this Italian fashion firm currently contains several labels such as Emporio Armani, Armani Jeans, Giorgio Armani, Armani Exchange, and Armani Junior, all catering to distinct audiences and pricing ranges.
Since its beginnings, the Giorgio Armani brand has become synonymous with high-end formal attire, particularly its fitted and clean-cut suits.The company has also achieved international renown for its line of jewellery, watches, leather goods, haute couture, cosmetics, home furnishings, and other luxury items over the years.
24. Kenzo
Founded in Paris, France in 1970.
Website of Kenzo
Kenzo is a luxury French fashion business founded in 1970 by Japanese fashion designer Kenzo Takada. Takada was noted for fusing Asian and Japanese elements with European workmanship to create genuinely one-of-a-kind items.
Kenzo moved its marketing to other items after struggling to make a profit in 2011. By 2017, Kenzo's shoes, purses, and signature tiger hoodies were worn by fashion bloggers and celebrities like Selena Gomez, Rihanna, Jay Z, Kevin Hart, and Beyonce.Kenzo's tiger emblem is now well-known across the world, and the brand's appeal grows year after year.
25. Ermenegildo Zegna
Trivero, Italy was founded in 1910.
Website of Zegna
Ermenegildo Zegna, the only fashion business on this list that solely caters to males, was created over a century ago in Northern Italy by brothers Ermenegildo, Mario, and Edoardo. In order to manufacture quality apparel, Zegna obtained pricey wool from throughout the world as well as cutting-edge technology from England.
Keeping true to its beginnings, the Italian label continues to offer high-quality apparel and is one of the largest names in men's luxury fashion worldwide. Zegna has acquired several other fashion names throughout the years, including Agnona.Raghavendra Rathore and Thom Browne
Beverly Hills, California was founded in 1967.
Website of Ralph Lauren
Ralph Lauren is a top American fashion designer, and his career began with his own shop, where he created a line of short-sleeved shirts that made him famous. Ralph Laurent began with a comprehensive men's range and then extended to include women's and children's clothing as the company flourished. The Polo Ralph Lauren became an icon when it was seen on many prominent actors and singers, and it was distributed at Bloomingdale's stores.
Ralph Lauren now has over 150 outlets worldwide and is regarded as one of the top high-end apparel brands.
27.Dolce & Gabbana
Website of Dolce & Gabbana
Dolce & Gabbana is a fashion house founded by two Italian designers who met in Milan while working for Giorgio Correggiari. Following the Women's collection in 1987, the brand grew from a consultancy firm to a fashion powerhouse. While the company began with women's apparel, it has now extended to include men's, children's, accessories, perfumes, and other items.
Dolce & Gabbana today has over 220 outlets globally and is one of the most well-known luxury brands.
Brands of Luxury Jewelry and Watches
1. Rolex
Website of Rolex
Whether you like pricey timepieces or not, you've probably heard about Rolex. Founded in London in 1905 as 'Wilsdorf and Davis,' the luxury watch company is now situated in Geneva, Switzerland, and remains one of the most prominent brands in the world of timekeeping today.
Many Rolex timepieces, such as the Daytona and Submariner series, have garnered widespread fame and are among the most sought-after watches in the world. In 2017, Paul Newman's vintage Daytona sold at auction for a whopping $17.7 million.
2.Tiffany and Co.
Tiffany's website
Every jewellery enthusiast's dream,Tiffany & Co. has established itself as the most popular luxury jewellery brand in the world. Tiffany & Co. began as an emporium for luxury goods and stationery, but it became linked with diamonds after founder Charles Lewis Tiffany returned pricey jewels acquired from European aristocracy to the United States in 1948.
Today, the company is recognised for its range of diamond and sterling silver jewellery, eyeglasses, perfumes, ceramics, watches, crystal, and other luxury items, all of which are packaged in the characteristic blue boxes.
3. Graff
Website of Graff
Graff, founded in 1960 in London by Laurence Graff, is a jewellery and watch business that has one of the most costly and gorgeous collections of quality gemstones in the world. Graff is a multifaceted brand that is involved in the design, production, and marketing of luxury jewellery and watches, as well as other verticals in the gemstone sector.
Graff rose to prominence after purchasing numerous notable stones, including The Lesotho Promise (a 603 carat diamond purchased for $12.5 million), The Graff Lesedi La Rona (a 302 carat high clarity D colour stone), and The Wittlesbach-Graff (a 32 carat deep blue diamond purchased for $16.4 million).
4. Chopard
Sonvilier, Switzerland was founded around 1860.
Website of Chopard
Chopard was founded in Switzerland in 1860 and is now one of the world's leading companies for luxury timepieces, fine jewellery, and accessories. Tsar Nicholas II of Russia praised Founder Louis-Ulysse Chopard's superb early watches for their ingenuity in design, dazzling mechanism, and faultless aesthetic.
Chopard has gained international renown for their eye-catching watches and accessories over the last century, and they have even etched their name as a leading luxury brand in the field of sustainability. Some of the brand's watches have fetched exorbitant prices, such as the Chopard 210 Carat gold watch, which fetched a whopping $26 million in 2014.
5.Bulgari
Established in 1884 in Rome, Italy
Website of Bulgari
Sotirio Bulgari, a Greek goldsmith, created the Italian luxury brand Bulgari in 1884. Bulgari created genuinely memorable pieces of jewellery by combining great Italian workmanship with inventive designs and his Roman background. The company is currently recognised for its high-end jewellery, watches, leather bags, scarves, eyeglasses, and other luxury items.
For its jewellery lines, the company has been known for merging diverse and brilliant hues with beautiful designs over the years. Bulgari will continue to innovate in the world of fine jewellery in 2021 by combining unusual materials such as silk, wood, porcelain, and steel into their creations.
6.Jacob and Co
Website of Jacob Arabo
Jacob & Co. was founded in 1986 by jewellery designer Jacob Arabo. Initially catering to clientele searching for diamond jewellery, the business ventured into the field of luxury timepieces in 2002.
Jacob & Co. has cultivated its name globally and become increasingly popular in the music industry, with celebrities such as Faith Evans and husband Notorious B.I.G. being among the brand's earliest clients, with a collection of fine jewellery, premium wristwatches, and luxury accessories such as bedazzled dice.
7. Audemars Piguet
Founded in Vallee de Joux, Swiss Canton of Vaud, in 1875.
Website of Audemars Piguet
Audemars Piguet, one of the few companies on our list still owned by its original family, was founded in Switzerland over a century ago by Jules Louis Audemars and Auguste Piguet. AP is one of the most well-known names in the watch industry, having released several classic wristwatches over the years, including the well-known Royal Oak series, which has acquired fame across the world and has been worn by many celebrities.
The Swiss watchmaker also boasts a lengthy list of royal clientele, including Saudi Crown Prince Mohammad bin Salman, Prince Michael of Kent, King Mohammad Reza Shah of Iran, and King Juan Carlos I of Spain.
8.Cartier
Website of Cartier
Cartier, one of the most well-known luxury brands in the world, was created in Paris about two centuries ago by Louis-Francois Cartier. King Edvard VII of Great Britain once referred to the premium jewellery and watch company as "the jeweller of kings and the king of jewellers." Cartier maintained this image over the years, with clientele like King Albert I of Belgium, Kate Middleton, Duchess of Cambridge, Queen Marie of Romania, and the Maharaja of Patiala, who commissioned the Patiala necklace. Elizabeth Taylor, Barbara Hutton, Gloria Swanson, and Marjorie Merriweather are among the brand's celebrity clients.
9.Patek Philippe
Geneva, Switzerland was founded in 1839.
Website of Patek
Patek Philippe is a Swiss luxury watch brand that was founded in 1839 and is known for producing some of the most intricate timepieces ever made. Patek Philippe, one of the world's oldest watchmakers, today maintains over 400 locations globally and created the Patek Philippe Museum in Geneva in 2001.
Patek Philippe watches are expensive because of their excellent movements, intricate designs, and scarcity. They have long been a favourite of royalty, with buyers including Queen Victoria, Princess Diana, John F. Kennedy, Nelson Mandela, and Leo Tolstoy. The brand's Henry Graves Jr, Supercomplication watch sold for an astounding $24 million at auction in 2014.
10. Omega
Founded in La Chaux-de-Fonds, Switzerland, in 1903.
Website of Omega
This premium brand, formerly known as Louis Brandt et Frere – Omega Watch & Co., was founded in Switzerland over a century ago. Omega made history in 1968 by being the first watch to be worn by astronaut Buzz Aldrin on the moon.
Since 1995, the brand has also served as the official timekeeper for the Olympic Games and has been worn by the character of James Bond in each film in the famous franchise. Omega has been sold to celebrities such as Elvis Presley, Prince William, Joe Biden, and John F. Kennedy over the years.
3. La Mer
Founded in 1965 in San Diego, California, USA
Website of La Mer
The founding tale of La Mer is so exciting that it nearly seems like a movie storyline. After suffering unintentional burns to his face during an experiment, creator Dr. Max Huber resolved to find a treatment for repairing his skin. It took him over 12 years and 6,000 tests to develop the miraculous broth that is the core of the La Mer brand today.
For 3-4 months, the company fertilises Giant sea kelp in order to harness the ocean's therapeutic qualities, which assist in revitalising one's skin. This recipe has aided La Mer in the development of numerous legendary skincare products, including their famed moisturiser, treatment lotion, and regenerative serum. La Mer, one of the most well-known names in the beauty business today, is widely regarded as the pinnacle of luxury skincare across the world.
4. Sisley
Website of Sisley
Sisley was created in 1972 by perfumer Jean-Francois Laporte and Roland de Saint Vincent. In 1976, Hubert d'Ornano purchased, renamed, and relaunched the company. This premium French beauty business creates a high-end line of skincare, hair care products, perfumes, and other cosmetics using essential oils, plant extracts, and other botanical essences.
Sisley, which is still a family-owned firm, takes pride in the excellent quality of products it releases each year, all of which claim to give clients with advantages like moisturising, anti-aging, and sun care.
5. Augustinus Bader
Founded in Germany in 2008
Website of Augustinus Bader
Augustinus Bader is a luxury cosmetics company that combines science with beauty. Augustinus Bader, a scientist, developed this brand based on 30 years of study on stem cells and how our own body's latent cells may help restore our wounds, minimising the need for invasive operations like skin transplants.
Bader's study resulted in the creation of the miraculous remedy, also known as the brand's wonder cream,' which has made headlines across the world for its incredible capacity to heal skin wounds, provide anti-aging advantages, and strengthen one's skin texture. . Bader's cream earned this popularity without the support of a large marketing effort, thanks to word of mouth and celebrity clientele like as Victoria Beckham, Kate Bosworth, and Ashley Graham, who have all come to appreciate the brand's goods.
Top Luxury Automobile Manufacturers
1. BMW
Munich, Germany was founded in 1916.
Website of BMW
BMW, or Bayerische Motoren Werke AG, was created a century ago and is one of the most well-known names in the car business today. What began in 1916 as a firm making aviation engines is today known for its collection of luxury automobiles and motorcycles, generating some of the world's most sought-after vehicles.
BMW has produced a number of classic vehicles during its 100-year history. Vehicles like the BMW i8 (as shown in Mission: Impossible) and the BMW Z8 (designed by famed Danish designer Henrik Fisker) have generated headlines throughout the world. With its exquisite designs, cutting-edge technology, and innovation, it's no wonder that BMW remains one of the world's top luxury brands today.
2. Mercedes-Benz
Stuttgart, Baden-Wurttemberg, Germany was founded in 1926.
Website of Benz
The Mercedes-Benz brand is the second German vehicle firm on this list today. . Mercedes-Benz AG is one of the largest enterprises in the world, with over 170,000 people and 35 facilities spread across four continents. In 2018, Mercedes-Benz AG became the greatest seller of luxury automobiles in the world, selling over 2.3 million vehicles.
Whether you want a premium sports car, a minivan, a sedan, an SUV, or even a large van, Mercedes-Benz has a car for any requirement and remains one of the most beloved and best-selling car manufacturers in the world today.
3. Audi
Zwickau, Germany was founded in 1932.
Website of Audi
Audi AG, a German vehicle manufacturer, has a long history. Each ring of the Audi emblem represents one of the four automotive firms that came together to establish Audi's forerunner, Auto Union, which was formed via the amalgamation of many separate enterprises. Audi is regarded as one of the three top luxury brands in the car business today, alongside BMW and Mercedes-Benz.
Founded in 2003 in San Carlos, California, USA
Website of Tesla
Tesla's technology and clean energy programme distinguishes it from the other automakers on this list. Tesla was founded in 2003 by Martin Eberhard and Marc Tarpenning and is presently led by famed business entrepreneur Elon Musk.
. Tesla was founded in 2003 by Martin Eberhard and Marc Tarpenning and is now led by prominent business mogul Elon Musk. Tesla is known for its collection of sustainable electric automobiles that are at the cutting edge of technology today.
Tesla, known for its revolutionary approach in the automobile industry, was also one of the first firms to build a variety of autopilot systems for vehicles, opening the way for self-driving cars in the future.
5. Cadillac
Founded in 1902 in Detroit, Michigan, USA
Website of Cadillac
The Cadillac Motor Car Division has been in operation for almost a century and is a division of America's well-known automotive manufacturer, General Motors.Cadillac is one of the world's earliest automotive businesses, named after Antoine de la Mothe Cadillac (founder of Detroit, Michigan). Cadillac, like Tesla, is known not just for its premium fleet of luxury automobiles, but also for being at the forefront of technology.
6.Porsche
Stuttgart, Germany was founded in 1931.
Website of Porsche
Porsche, which is owned by Volkswagen AG, was founded in 1931 by Ferdinand Porsche as a car consultancy and development business. Ferdinand Porsche produced his first car ever in 1938, in response to a request from the German government, the legendary Volkswagen Beetle, which is acknowledged to be one of the most popular cars in motor history. . The Volkswagen Beetle inspired the creation of the very first Porsche car, the Porsche 64, which included several components from the Beetle itself. Porsche now provides a fleet of premium cars and SUVs that are praised for their bold and striking look as well as their faultless performance.
7. Ferrari
Maranello, Italy was founded in 1939.
Ferrari's official webpage
Ferrari, the Italian automobile manufacturer, is synonymous with luxury vehicles. Enzo Ferrari founded the firm in 1939, and the first Ferrari-badged automobile was produced in 1947. Ferrari, the oldest and most popular racing team in Formula One, has always maintained its reputation as one of the world's top race car manufacturers.
For many years, Ferrari passenger vehicles have been seen as a symbol of elegance, riches, and success. In 2018, the business set a new record by selling a vintage 1963 250 GTO automobile for $70 million.
8.Lamborghini
Established in 1963 in Sant'Agata Bolognese, Italy
Website of Lamborghini
Lamborghini is an Italian premium automotive manufacturer created in 1963 by Ferruccio Lamborghini and owned by the Volkswagen Group. During the first ten years of existence, the firm saw tremendous growth in revenue. However, the 1973 oil crisis and financial downturn caused the brand's sales to plummet, eventually leading to bankruptcy in 1978.
After years of difficulty and ownership changes, Lamborghini arrived with automaker Volkswagen and has witnessed significant success since. Lamborghinis are now regarded as one of the finest status symbols among the wealthy, with models such as the Aventador and the Urus SUV gaining international acclaim and being extensively featured in pop culture.
9.Rolls Royce
Manchester, United Kingdom was founded in 1904.
Website of Rolls Royce
Rolls Royce was created in 1904 by partners Henry Royce and Charles Rolls and released their first automobile, the Silver Ghost, in 1906, which was instantly named "the greatest car in the world." Over the years, the business continued to develop legendary cars like the Phantom, which swiftly became Royal Highness Princess Elizabeth's preferred mode of transportation in the 1950s.
By the 1960s, Rolls Royce had gained popularity among celebrities such as John Lennon, whose painted Phantom V is one of the most precious automobiles ever created. Rolls Royce automobiles are now regarded as among the greatest luxury vehicles in the world, and are utilised by celebrities such as Kim Kardashian,Justin Bieber and Floyd Mayweather.
10. Maserati
Bologna, Italy was founded in 1914.
Website of Maserati
Maserati is an Italian vehicle business founded in Bologna, Italy, almost a century ago by brothers Ettore, Alfieri, Ernesto, Bindo, and Carlo. Maseratis, like Ferraris, are regarded as the pinnacle of luxury sports cars and have a long history in racing.
The firm takes pride in its collection of one-of-a-kind vehicles that are beautifully designed and operate well. The Maserati MC20 got the 'Best of the Best' award at the Red Dot Awards in 2021.
Best Freebie Websites For 2022: 20 Legit Ways To Get Free Stuff Online
Buy Hay Bales Straw Near Me
Javeriahttps://thewealthrise.com
Why Do People Call Walmart Wallet World? Is It A Real Place?
Where To Get Free Wooden Crates: 9 Sources For Free Pallets Near You
Where To Buy Postcards Near Me: 9 Stores That Sell Postcards
Eminem – Stronger Than I Was
Dj Dark – Chill Vibes
Leona Lewis – Bleeding Love (Dj Dark & Adrian Funk Remix)
© THE WEALTHRISE

redpajama_set_name: RedPajamaCommonCrawl


The Twin Cities Slovenians are active participants in events locally and state wide, as well as host to our own. We take part in state and national conventions for the Slovenian Union of America, and help other branches from time to time. Below are a few examples of past events, click on the title to view photos.
All Slavs Day Celebration in Chisholm, MN In 2008 a few representatives from our group took our Festival of Nations Exhibit to Chisholm for All Slavs Day, a multi-cultural celebration. After the event the group went to the Slovenski Dom (Slovenian Home) to visit with each other.
Annual Bishop Baraga Picnic Twin Cities Slovenians member Yul Yost has hosted an annual Bishop Baraga picnic. His uniqely landscaped yard is like a bit of Slovenia in Minnesota.
Pilgrimage to see the Bishop Baraga Cross in Duluth, MN In October of 2013 the Diocese of Duluth hosted the pilgrimage. Over the years, the Bishop Baraga Association has scheduled the Bishop Baraga Pilgrimage either in places that were significant in Baraga's ministry or in places where there is a significant number of people of Slovenian descent.


text:
Serena Williams' smashed tennis racket from 2018 US Open to be sold at auction
Serena Williams' smashed 2018 US Open tennis racket to be sold at auction
The tennis racket Serena Williams smashed during the U.S. Open final in 2018 is up for auction starting next Monday.
During the match, Williams' received a penalty after a dispute with the chair umpire and eventually lost the match to Naomi Osaka.
The match was significant for both players.
It was Williams' first US Open after taking a year off to give birth to her daughter in September 2017.
The then 20-year-old Osaka was attempting to become the first Japanese player to win a Grand Slam singles title.
The New York Times reported, the racket will be sold by Goldin Auctions. The opening bid is $2,000, but the price is expected to reach five figures by the time the event closes on December 7.
The racket is one of 1,600 items in the auction, which includes one of Jesse Owens's Olympic gold medals, according to The New York Times.
You can find more information on the auction here: Goldin Auctions.
sportsserena williamsus openauctionu.s. & worldshoppingsportstennisconsumer
From 'King Richard' to 'Ali': Will Smith's memorable performances i...
Serena Williams announces she won't play in US Open
Fresh Prince to King: Will Smith stars in new film about Venus, Serena
Serena Williams forced to retire from Wimbledon match


text:
Q: Flutter: Google Map Plugin how to draw a line between two coordinates inside map How to show multiple markers with fit zoom level in map, I am using below plugin for develop a map?
https://github.com/flutter/plugins/tree/master/packages/google_maps_flutter

A: This is a duplicate question
Polyline is currently (2019-01-27) not available in the official google maps flutter plugin. However, there are two pull requests which have added this functionality:

*

*1121

*941
Pull request 1121 has example code on how to use the Polyline functionality.

redpajama_set_name: RedPajamaStackExchange


text:
History pupils missing out on 'vast tracts' of our past, warns Simon Schama
By Laura Clark for the Daily Mail
Author and historian Simon Schama says teenagers are leaving school ignorant of 'vast tracts' of Britain's past
Teenagers could be barred from dropping history at 14 because a generation of pupils is leaving school ignorant of 'vast tracts' of Britain's past.
Simon Schama, appointed to advise the Government on a new curriculum in the subject, warned that children were being short-changed by a diet of 'drive-by history' dominated by 'Hitler and the Henries'.
The author and TV historian said that pupils should be required to study the subject throughout their compulsory schooling.
He outlined six landmark events every school pupil should know – including the rise of the Empire in South Asia and the execution of a monarch, King Charles I.
But he warned that the existing curriculum skimped on such key points and in some schools history had become an 'indeterminate swamp' after being mixed with geography and social studies.
The neglect of history risked leaving children 'not much bovvered' about their country's past and more inclined to spend hours on Facebook.
'My own anecdotal evidence suggests that right across the secondary school system our children are being short-changed,' he added.
Professor Schama, who wrote and presented the BBC documentary series A History of Britain, was appointed in September by Education Secretary Michael Gove to advise a forthcoming sweeping review of the National Curriculum.
Mr Gove will formally launch the review later this year after complaining that the existing curriculum is too complex and downplays the importance of knowledge.
The inquiry is expected to make final recommendations in spring 2012, with a view to a new curriculum being introduced in September 2013. Currently more than two thirds of pupils drop history at 14. The review is facing demands to require them to study it until 16.
There are claims that many are dropping the subject because they are bored by 'project-based' lessons.
In his first pronouncement since becoming history adviser, Professor Schama said: 'Drive-by history is no history at all. Ideally, no pupils should be able to abandon the subject at 14.'
He recounted a conversation with a history teacher who admitted falling back on 'Hitler and the Henries' because he had too little time to offer the medieval history course he had planned.
Writing in the Guardian, Professor Schama went on: 'The history of how we came to execute our king, or dominate south Asia, is exactly the history that, in practice, gets short shrift from the present national curriculum.'
He said the medieval centuries were among 'vast tracts of British history that seldom get class time.
Professor Schama went on to cite research among teachers suggesting the subject is 'disappearing' from many state schools.
This was creating a two-tier nation of young Britons, he claimed, with some aware of their history and others 'encouraged to treat it as little more than ornamental polishing for the elite'.
Simon Schama: History pupils missing out on 'vast tracts' of our past


text:
By Lucy Huxley
| October 06, 2021, 08:10
Incoming UK and Europe chief executive Ailsa Pollard talks to Lucy Huxley ahead of speaking at Abta's Travel Convention
Ailsa Pollard says she will approach her new challenge as chief executive of dnata Travel UK with "humility and ambition" and is keen to do this in line with the group's overall guiding principle.
"Our North Star across the business globally is to reconnect a better world. That's very important," she says.
Pollard replaces John Bevan – who has moved to Dubai to oversee all aspects of dnata's global travel business, as divisional senior vice-president for travel – and says her priority will be to look at "where we should focus so that we come out of the pandemic stronger".
She said: "We have shifted our focus from size and volume to profitability. We need to be more selective about where we play, where we win and how we can help our customers and agents."
Pollard has been part of dnata's senior leadership team for 12 years, including working on investments, mergers and acquisitions, overseeing the rollout of Emirates Holidays to 36 markets, and most recently as senior vice-president of transformation and consumer businesses. Now she is in charge of Gold Medal (including Pure Luxury and Cruise Plus), Travelbag, Travel Republic, Netflights and Sunmaster – and has big plans.
"Just before Covid we were looking at the global portfolio of dnata Travel," she says. "It had grown all these arms and legs in different directions. We were fat in certain areas and were looking to reprioritise things. That plan was in place already but, because of the pandemic, we had to go a lot deeper. Some of these were very tough decisions."
The group exited some businesses in Germany and India, while in the UK it sold Global Travel Group to The Travel Network Group and merged Gold Medal and Travel 2.
Speaking about the merger, she explains: "We went into that process looking at the pros and cons. Covid probably accelerated some of that thinking, which made the cons of doing things less concerning. We knew we had to consolidate our real estate portfolio, and probably underestimated the passion for both brands, but Covid made us make the brave move, believe in our products, services and teams, and emerge even stronger."
Agents have an opportunity right now and it shouldn't be wasted
Key staff in Glasgow were retained as homeworkers and the team focused on refunds and dialogue with agents, "making sure we were servicing them and working with them on this journey of change".
Pollard adds: "There will be bits we haven't got right. We are significantly reduced in numbers but were careful not to do blanket reductions across teams, and we've had to focus on cost reduction. But we have focused our spend on retaining talent and have been consistent in IT investment over the past 18 months."
The focus now is on how to help agents service their customers better, she says. A new website will shortly go live. More than 1,200 agents have been trained on it so far with "significant levels of adoption".
"Agents have an opportunity right now and it shouldn't be wasted," she says, stressing the importance of developing "lifetime customers".
"It's all about the retention of customers and removing friction points – making sure customers know that we've got their backs," she adds.
"For the next few years, there's going to be complexity – that's the opportunity for agents, to hand‑hold customers through this. People can travel, but it's not easy. Agents' expertise will be really valued.
"Gold Medal is the market-leading trade-only tour operator. What more product can we help service our agents with? We're looking at more short-haul."
Pollard is targeting growth in areas such as touring in Italy and its DMC Destination Asia, which operates in seven countries. She notes the Indian Ocean and Dubai have "really strengthened" and dnata is "keeping our stronghold there, as we are in Orlando".
Pollard has instigated a "cohort analysis" of the whole UK business. This, she says, will "look at how every customer comes in and will assign them to a different cohort".
"In the B2C space, we've been hooked on the drug of paid acquisition. But if you acquire a customer through meta [data], how long are they with you?" she questions.
"In our [Travelbag] stores, there is much more affinity with the brand. We underestimate the halo effect of that high street presence. We are not ruling out more shops. We will be opportunistic.
"We see an opportunity, particularly coming out of Covid, that people need higher-touch service and wanting these experiences more – and this doesn't just apply to our Travelbag agents, but all agents."
She says dnata Travel UK has more virtual agents following the pandemic. "What's important to a customer is that they can get hold of you," she said.
"We've got to be where customers want us…in a shop, on the phone, on WhatsApp, rather than forcing how our customers speak to us."
But she will ensure a "healthy differentiation" between the group's brands is maintained, adding that the higher the cost of a holiday, the higher touch there is likely to be.
Pollard says a lot of cost has been cut out of online travel agency Travel Republic – including by servicing some calls in Belgrade, Serbia. She says the product mix is changing under new managing director Antonio Fellino, who is based in Dubai.
"Europe will still be Travel Republic's mainstream, but we are shifting more to Dubai, Ras Al Khaimah and the Maldives –places where we have destination dominance and strong purchasing," she says.
It needs to be less about volume and more about putting the customer at our heart
"The Travel Republic customer has matured. It's all about price and availability, ease of booking and the value addeds such as free transfers, upgrades and drinks packages."
Asked about Travel Republic's competitors – some of which gave up Abta membership over Covid refund policies – she says: "It's not about size, it's about profitability and reputation with the customer.
"One of our challenges is that we don't get hooked on a race to the bottom on price. It needs to be less about volume and more about putting the customer at our heart."
Referring to Netflights, she is "cautiously optimistic", saying: "On the Monday of the announcement of the US border reopening, we booked more flights to the US in seven hours than in the whole of August. But we're still in a fragile environment. We've still got challenges."
Pollard described dnata Travel UK as "a sleeping giant".
"Outside of the industry, we're the most unknown travel business for our size," she says. "Across the value chain, our brands touch many points. We need to make sure to point each brand to where we can win, taking advantage of opportunities and being agile."
But she says there are still gaps in the business. "I'm a big believer, from my strategy background, that you've got to fix your core first. We're still on a journey. We've got to get that right. It's nice to have shiny new things, but I'm not going to get too distracted.
"We've got lots of opportunities and there will be plenty more over the next year, sadly. My M&A background shows this will be a part of my plan but, for now, just watch this space."
Ailsa Pollard is due to speak at Abta's Travel Convention on October 13
Theme: 'Leading the Way: Envisaging and Inspiring in Extraordinary Times'
Date: October 13
Venue: East Winter Garden, Canary Wharf, London
Fees: Abta members/partners £295 in-person, £155 online; Non-members £395 in-person, £255 online
Register at: thetravelconvention.com
Travel Counsellors bookings back to pre-pandemic levels
Trade switch-selling customers amid ever-changing restrictions
Jet2 launches offset scheme as part of sustainability strategy


text:
Home/News/Sport/In Monaco, junior tennis players battle it out for the prestigious Masters title at the Europe Junior Masters Monte-Carlo
In Monaco, junior tennis players battle it out for the prestigious Masters title at the Europe Junior Masters Monte-Carlo
13 October , 2021
Photo by cottonbro @Pexels
The Europe Junior Masters Monte-Carlo tennis tournament brings junior tennis players together to fight for the title from 13th to 15th October at the Monte Carlo Country Club courts. There are eight players in each category.
Seventeen European countries are represented at the tournament, including a large delegation from Russia and the Czech Republic. Nicola Josic the young player from Switzerland and the recent winner of the European Championship in the Under-14 category will also be in attendance.
The Monte Carlo Country Club will be the focal point for this prestigious tournament these days, where young tennis players will battle it out in a series of matches on the clay courts that usually host the world's best adult ATP tournament players in April. There is no doubt that among these young champions are the future great names in world tennis.
Let's not forget that Rafael Nadal in 2000, Alexander Zverev in 2011 and Kim Clijsters in 1997 won these competitions.
The event, which is held for the first time in Monaco under the High Patronage of HSH Prince Albert II, will be broadcast on Monaco Info (finals on Friday 15th October) and on the TennisChannel website.
For a complete list of participants in this year's competition, visit the tournament website.
The Monte Carlo Country Club will exceptionally open its doors to all who wish to attend the matches free of charge upon presentation of a sanitary pass.
We wish the best of luck to all these future champions!
The Roca Team Beats Unbeatable Team After A Suspenseful Climax
Two Monegasques Show They Are Soccer's Best of Their Generation in a Glorious Victory
An unlucky AS Monaco draw in Lorient
Transfers of some AS Monaco players: new challenges at the start of the year
4 January , 2023
AS Monaco begins 2023 with a precious win against Brest!
AS Monaco make a big comeback thanks to Ben Seghir!
A brilliant victory for AS Monaco in Leeds concludes the "preseason"!
A first cap and some key goals: A look back at the Monégasques' World Cup
Undefeated the Red and Whites Snatch a Draw at Fiorentina
France, Japan, Senegal, Switzerland… Our players in the World Cup!
Suspenseful Finish as a World Class Field of Yachts Races To Monte Carlo from Palermo
6 September , 2019


Buck talks about how he grew up and eventually learned to invest, handle money and ultimately do things in a less conventional way. He shares the best way to invest in real estate and shares how he learned to do this and improved his methods along the way. Buck discusses the difficulty of finding people you trust to work with and different ways you can connect with trust-worthy and hard-working people to partner with.
1:38 – Who Buck Joffrey is and how he took his finances into his own hands.
4:55 – Why people are not accumulating wealth and ending up broke.
5:56 – The mistake people make when trying to follow conventional financial wisdom.
8:25 – How he gave himself permission to break free and do things differently.
9:50 – The role his childhood and learning from his father took in developing his financial savvy.
12:40 – The best way to go about investing in real estate according to Buck.
14:28 – How to find people you can trust and work with when investing.
18:24- The importance of leverage and how he suggests that you use it properly.
22:04 – The new rules for early retirement.


I just got back from our girls weekend at the Hard Rock Hotel in downtown San Diego and it was a total blast. I have tons of pictures to share but first let's get caught up.
Thursday night I went to a business event with my husband. They had a pretty spread at the buffet.
I, of course, helped myself to a bit of everything.
Friday morning's breakfast was a Special K Flatbread Breakfast Sandwich.
The kids had a carnival at the school that day that I helped put on so I was there the entire half day that the kids at school. When school got out, I took them to McDonald's for lunch.
Premium grilled chicken McWrap with lots of spicy buffalo sauce. I brought the kids home after lunch, then drove to downtown San Diego to meet my sister in law and some friends at the Hard Rock Hotel to get our weekend started.
We enjoyed some snacks at Mary Jane's restaurant in the hotel.
We hung out for a bit and got ready for dinner at Searsucker.
After dinner, we went back to the hotel for a bit of dancing before calling it a night.
We spent the entire day yesterday at the pool. It was glorious.
For lunch, I ordered fish tacos. They were good but very bland and they didn't have any hot sauce. Wah.
That is what I call a great day.
Dinner last night was at Cucina Urbana.
We also shared a Farmer's Chopped Greens (pickled cauliflower, tomato, peperoncini, cacioavallo cheese, sourdough crouton, olive vinaigrette) that escaped the camera.
This pasta was AMAZING, by the way.
So….one of our friends', Amy, introduced us to an iPhone app that entertained us the entire night. I've never laughed so hard in my life. It's called "Drake Shake". You can take any photo on your phone and insert Drake, the rapper/singer, into it. Who thinks of this stuff??
Then you "Drake Shake" it and voila! Drake is at dinner with us!
We went out dancing after dinner to El Camino. Look who joined us!
The service at this place sucked but the food was delicious. They had a pretty good assortment of hot sauces too. Winning.
Now I think I need to stop eating for about a week.
After lunch, we shopped for awhile and then everyone headed home. I had such a fun weekend…it went too fast!


text:
澳门皇冠|足球比分
This Guest paper is an updated version of a paper first published in the PM World Journal, January 2018. This revision was presented for publication December 24, 2017
Part 1 published here February 2018
In this paper:
• IPECC = Initiating, Planning, Executing, Controlling, Closing
• OGC = Office of Government Commerce (UK)
• KAs = Knowledge Areas (in the PMBOK Guide)
• PGs = Process Groups (ditto)
• PMBOK = Project Management Body of Knowledge (Guide)
• PMI = Project Management Institute (USA)
Abstract | Introduction | Clearing the Confusion | Processes
Knowledge Areas | Process Groups within Knowledge Areas | PART 2
Crispin Piney (known as "Kik") has been involved in the project world since joining the IT Group at CERN, the European Laboratory for Particle Physics, in 1970. He later moved to the Digital Equipment Corporation (DEC), and left in 2000 to work as an independent trainer. He has also invested enthusiasm, time, and effort working as a volunteer with the Project Management Institute on the majority of their standardization efforts. Kik Piney is author of the book Earned Benefit Program Management, published by CRC Press in October 2017.
Kik Piney can be contacted at kik@project-benefits.com.
In the following abstract, author Kik Piney refers to "three overlapping models" used by the Project Management Institute (PMI®) in their Guide to the Project Management Body of Knowledge (PMBOK® Guide) namely, Life Cycles, clustered Process Groups, and Knowledge Areas. He correctly observes (in our view) that: "Analysis of these models shows that, although life cycles are a stand-alone concept, the other two models should be presented in a hierarchical manner." For the record, we would be happier if he would refer to (project) Life Cycles by the more representative label: Project Life Spans, and provide a clearer definition accordingly.
Our recent research relating to our Wideman Comparative Glossary of Project Management Terms demonstrates that project management is now applied in a large number of industries as well as their related subsets. Most importantly, we see that while most industries may follow the project management process groups, each industry generally has, for practical control purposes, its own particular design of Project Life Span. Indeed, as Kik Piney observes, "life cycles are a stand-alone concept".
It is for this reason that we now advocate that Project Life Spans of different industries and their subsets should be treated as a new and separate area of project management study and reference.[1]
Author's Foreword
I started to think about these points in 2010, when all of the PMI® standards used a process-based approach. Over the years, I exchanged a few mails with Max Wideman who provided useful comments and encouraged me to complete the analysis. On reading the Sixth Edition of the PMBOK® Guide, I have found that my ideas are still valid. So, I have done my best to follow his advice.
The Standard for Project Management and the Guide to the Project Management Body of Knowledge (PMBOK® Guide)[2] present knowledge using three overlapping models, as follows: Project Life Cycles (PLCs), processes clustered into Process Groups (PGs), and Knowledge Areas (KAs). Analysis of these models shows that, although life cycles are a stand-alone concept, the other two models should be presented in a hierarchical manner. That is, with knowledge areas as the highest level, then subdivided with respect to the generic set of process groups, and these process groups containing the processes specific to the corresponding knowledge area. It should be noted that this structure is not how the concepts were first developed for the early editions of the PMBOK® Guide; however, the original structure was well intended but incorrect. This paper proposes a reworking of those initial ideas, to provide a consistent model that avoids the current — and damaging — confusion between process groups and life cycle phases.
1. Thus, for instance, any discussion of say Agile Software Product Development would be quite separate and distinct from say Civil Infrastructure Development.
2. PMI. The Guide to the Project Management Body of Knowledge — Sixth Edition (PMBOK® Guide). Newtown Square, PA, 2017.
Home | Issacons | PM Glossary | Papers & Books | Max's Musings
Guest Articles | Contact Info | Search My Site | Site Map | Top of Page


text:
TV festival delegates preparing to party
ALMOST 40 per cent of delegates to this weekend's Edinburgh International TV Festival are expected to attend at least five parties, with around 70 per cent saying they'll need to take a day off work, after the weekend, to recover.
It follows research by TV station, Discovery Networks UK, which shows that delegates are likely to get through an average 20 units of alcohol over the three-day event and that 65 per cent plan to have their first drink as soon as they arrive.
Indeed, 74 per cent of the research sample say they expect to be hung-over every day, with 55 per cent of them adding they will rely on a full Scottish breakfast to sort them out.
The survey, which included 100 past and present festival delegates, was commissioned to mark the launch of the Discovery Recovery Lounge, an area at the event which which will allow delegates to 'chill out'.
It sounds like they'll need it: some 68 per cent of delegates expect to party until at least 3am, with a hardened 14 per cent saying they don't anticipate getting more than three hours sleep per night.
By Administrator · August 21, 2007 · Comments Off
My Media Day: Neil Cumins, founder, G75 Media and G75 Images
May 4, 2020 · Comments Off
NEIL Cumins is the founder of media agencies, G75 Media and G75 Images property photography. He...
« NUJ grievance submitted to local newspaper group
Bread film 'doughs the business' at documentary awards »


Gen. Tech. Rep. NRS-P-94. Newtown Square, PA: U.S. Department of Agriculture, Forest Service, Northern Research Station. 261 p.
Gen. Tech. Rep. NRS-P-23. Newtown Square, PA: U.S. Department of Agriculture, Forest Service, Northern Research Station. 310 p.
David B. Klenosky; Cherie LeBlanc Fisher; eds.
Gen. Tech. Rep. NRS-P-42. Newtown Square, PA: U.S. Department of Agriculture, Forest Service, Northern Research Station. 356 p. Online only.
Gen. Tech. Rep. NRS-P-14. Newtown Square, PA: U.S. Department of Agriculture, Forest Service, Northern Research Station. 613 p.
Cities & the Environment. 4(1): Article 6. 19 p.
Urban Forestry & Urban Greening. 12: 287-295.


Take your pick of 1 attraction or 3 attractions to go along with your CitySightseeing Hop-on, Hop-off Ferry Tour! Enjoy admission to exclusive attractions including One World Observatory, National Geographic Encounter's Ocean Odyssey, and others. We know you'll love the ease and convenience of the CitySightseeing Hop-on, Hop-off Ferry Tour Plus 1 or 3 Attractions package!


text:
[Hot Event] The Star-studded Malaysian TV Awards Presentation "TVB Star Awards Malaysia 2014" Is Happening Tonight!
WL Jack 22:57 Drama, Event, General, Media Release, Upcoming Event
The Star-studded Malaysian TV Awards Presentation "TVB Star Awards Malaysia 2014" Is Happening Tonight!
Kuala Lumpur, 23rd November 2014 - TVB Star Awards Malaysia 2014, The star-studded Malaysia TV Awards Presentation, which has long been regarded as the prelude to TV Awards Presentation of TVB, is going to be held today at Arena of Stars, Resorts World Genting at 8:00 p.m. Same as last year, the awards presentation will be organised by TVB Entertainment News and co-partner Astro, MY FM and MELODY FM as media partners.
Date: 23rd November 2014
Venue: Arena of Stars, Resort World Genting
A voting campaign has been opened to all Malaysians allowing audience to cast a vote for their favourite dramas and artistes. During 24 October – 16 November, there are altogether almost 200,000 Malaysian audiences voted which is a double of last year, and the voting website reached a million views.
Award selection will be based on 70% voting result and 30% professional judgement, after 3 weeks voting campaign, all winners from 13 nomination categories have been confirmed. Lai Chi Shan, Bob Lam, Jarvis Chow and Shermaine Wong will be the hosts of the awards presentation. Numerous TVB artistes will be attending the star-studded show, including Linda Chung, Jonathan Wong, Fred Cheng, Jinny Ng, Mag Lam, Joyce Cheng, Ronald Law and Hoffman Cheng will be the guest performers to present marvellous singing. Siu Po, Owen Cheung and Mok Ka Kam will be invited to show their talent of mimicry.
This year, there are altogether 13 nomination categories, including My Favourite TVB Drama Series, My Favourite TVB Actor in a Leading Role, My Favourite TVB Actress in a Leading Role, My Favourite TVB Actor in a Supporting Role, My Favourite TVB Actress in a Supporting Role, My Favourite TVB Most Improved Actor, My Favourite TVB Most Improved Actress, My Favourite TVB On Screen Couple, My Favourite TVB Drama Theme Song, My Favourite Top 15 TVB Drama Characters, My Favourite TVB Variety Program, My Favourite TVB Enrichment Program and My Favourite TVB Host in Variety Program.
You can visit www.tvbstarawards.com.my for more information.
TVB Star Awards Malaysia 2014 will be live broadcast to Hong Kong, Malaysia, Singapore, New Zealand, Europe and delay broadcast to Australia and the United States. TVB Entertainment News (Astro Ch. 313), Astro Wah Lai Toi (Ch. 311 & HD Ch. 310) and MY FM will also deliver live broadcast to Malaysian audiences. Stay tuned to this star-studded awards presentation and enjoy the joyful moments with your favourite idols!
Updates regarding the show: (Photos taken from Astro Wah Lai Toi FB Page)
Artistes Arrival at KLIA:
Preparation at Genting now:
Published by WLJack. (Based on official press release issued to WLJack.com and Loong-updates.blogspot.com)
Labels: Drama, Event, General, Media Release, Upcoming Event


The 'Ethereal' in the title of Sample Magic's latest White Label release refers to the floaty, 80s-influenced synth parts (both individual and rolled into ten mini construction kits) and relatively reverberant basslines that have been designed to sit atop the accompanying 19 extremely impactful stemmed drum loops (108 files) and spacey FX. The production style throughout is quite glossy for techno, too, which adds to the sheen, and as a stylistic concept, the whole thing works brilliantly. At this price, Ethereal Techno is well worth picking up.


In areas where flooding is common, why don't people build their homes further from the ground?
It seems like there are some areas in the US that get flooded every few years. Why don't people who live there just have their homes raised off the ground a few feet to keep their property safe?
Some of them do, but it's expensive.
look at New Orleans, they build houses, they get flooded-out, & they go build in the same spot AGAIN !!!
In my area I've seen people fight over a place to build next to a wandering creek because it's "scenic". Then beitch the loudest when it floods.
Many homes were built before the area became a flood area. They cost to raise a home and add stilts can be $30,000-$100,000 or more.
To build a home that is elevated costs more. And how high should you go?
Many people pay for flood insurance. Many areas now require home owners to have flood insurance.
Many new building codes are just now going into effect.
Many local governments are giving their ok to build in known flooded areas, and people are buying. Most homes, more people, more taxes.
So a lot of this boils down to costs and money. And change can be slow. Building homes that can withstand high winds from hurricanes, floods, tornadoes and earthquakes have been very slow to take hold.
they dont want to spend any extra money and if you made a raised island for your house to protect against a flood neighbors would laugh at you and local building codes would probably not let you do it because its not in the book.
Hoverhomes would be a good idea.
Why don't we really hear about Melania or Ben Carson in the media anymore?


text:
Taylor Theatre Production Receives 10 National Honors Following Kennedy Center Competition
Published: Apr 3, 2017 3:00PM
The Taylor University Theatre production of David Lindsay-Abaire's Pulitzer Prize-winning play Rabbit Hole has received 10 national honors after its appearance at the Kennedy Center American College Theater Festival (KCACTF).
Rabbit Hole tells the story of a family trying to cope with the death of a child. The play won the 2007 Pulitzer Prize for Drama. Actress Cynthia Nixon won a Tony Award for her portrayal of Becca, one of the play's central characters, in the Broadway production. After seeing Taylor's Rabbit Hole performances last February, festival respondents nominated the production for acceptance into the Regional Festival – one of eight across the United States.
The National Awards Committee for productions showcased at the 2017 Regional Festivals honored the Taylor production in the following categories:
Outstanding Lighting Design – Kevin Gawley
Distinguished Production of a Play
Distinguished Director of a Play – Tracy Manning
Distinguished Ensemble of a Play
Distinguished Performance by an Actress in a Play – Leah Murphy
Distinguished Performance by an Actress in a Play – Morgan Turner
Distinguished Scenic Design – Corey Rodeheaver
National Commendation for Technical Direction – Terrance Volden
National Commendation for Properties Design – Conner Reagan and Leah Murphy
National Commendation for Make-up Design – Jessica Schulte
As a participating production from Region III (Wisconsin, Illinois, Michigan, Indiana) in the KCACTF regional festival, Taylor Theatre's Rabbit Hole was considered for national awards recognizing outstanding achievement in production, design, direction and performance.
"We are so grateful to have been recognized by KCACTF," said Tracy Manning, Taylor's Theatre director. "We are proud for Taylor University to have gotten a national recognition in the arts, and I am thankful to work with such dedicated student artists who engage difficult material, celebrate one another and worship their Creator through the creative act of playmaking."
Taylor Theatre provides an immersive experience for audiences and participants by pursuing excellence on and off the stage, embracing difficulty and asking questions in pursuit of truth.


text:
Identity Fraud in Telecommunication
What is identity fraud in telecom?
Subscription fraud in telecommunication is a widespread telecom fraud.
Such telecom frauds involve identity theft or the use of fake identities at the point of sale, enabling either the fraudulent use of telecom services or the use of such services for subsequent fraudulent activities.
The bad news?
As the services offered by MNOs flourish, so does the potential for subscription fraud.
Once a fake subscription is established, the fraudster has access to a wide range of value-added services, including call-related, TV, and internet, and new mobile financial services such as mobile banking and mobile payment.
CFOs and heads of fraud departments for the major MNOs are faced with a significant challenge to secure the many channels fraudsters can target.
According to risk management and analytics expert Neural Technologies, there are over 200 types of telecommunication fraud related to identity theft or ID fraud.
How does identity fraud in telecom happen?
The ID check process
During the consumer acquisition stage in the MNO's store, consumers must usually provide ID documents along with utility bills and bank account details.
Identity verification service is key to the subscription process and is usually carried out manually by a sales assistant.
However, manual KYC (Know Your Customer or Know Your Client) checks are ineffective and a waste of resources.
The failure to detect forged or stolen IDs at this point in the onboarding process means fraudsters can walk out of stores with high-end, heavily subsidized smartphones, and it may take some time before the fraud is discovered.
SIM swap fraud
So-called SIM swap fraud is another major problem whereby scammers use fake IDs to gain access to a legitimate subscriber's SIM card.
They then use this SIM to authenticate transactions with the real subscriber's bank, make online purchases and money transfers and run considerable costs in the legitimate subscriber's name.
Manual and non-automated identity verification service is clearly ineffective and exposes to a major risk of telecommunication fraud.
Sim swap fraud is when a fraudster impersonates someone and convinces the person's phone company to change their sim card. The fraudster then takes over the victim's phone number, which gives them access to the victim's data, money, and even social media accounts—all things that can be used to scam others.
In May 2019, a group of hackers stole $1 million from people who used their phone numbers to log in to Facebook and Instagram accounts. The hackers then changed the victims' personal information and passwords on those sites so they could access them anytime. The hackers could do this because they had access to people's phone numbers via sim swaps.
The FBI estimates 600,000 sim swap fraud attempts each year, but just a few are reported.
In 2021, the FBI Internet Crime Complaint Center (IC3) received 1,611 SIM-swapping complaints with more than $68 million in adjusted losses.
Why is a strong identity verification service critical for MNOs?
Effective identity verification service is key to tackling telecom fraud.
The challenge to MNOs is threefold.
They need to ensure they are compliant with local and international regulations;
Their CFOs and Revenue Assurance departments need to reduce the heavy financial burden of fraud;
they must protect their brand image to maintain their reputation as operators one can trust.
#1. Compliance with regulations
Public authorities and governments are requesting ever-stronger identity verification services.
For instance, most governments now impose a mandatory registration of prepaid mobile SIM cards with valid proof of identity.
As of 2022, the Comparitech website found that the governments of 160 countries mandate SIM registration policies with strict identity verification services to tackle national security issues and criminal behavior.
Compliance is critical for MNOs, especially as 73% of all SIM cards globally are prepaid, according to the GSMA.
Moreover, mobile financial services are increasingly important in MNO's portfolio services. As such, they must meet so-called Know Your Customer (KYC) ID verification procedures.
Non-compliance with such procedures can lead to fines and the disablement of SIM cards and services.
#2. The financial burden of telecom fraud
Telecommunication fraud resulting from insufficient ID verification procedures can take months to be discovered.
As a result, MNOs are subject to considerable financial costs, direct, with the loss of a heavily subsidized handset, and indirect, through all the services an MNO offers through a single subscription, such as foreign calls, internet, TV, and mobile financial services.
Neural Technologies estimates the annual cost of identity fraud to the telecoms industry at €40 billion.
And according to the Global CFCA Telecom Fraud, subscription or identity fraud represents 35% to 40% of all scams undergone by the telecoms industry.
Neural Technologies claims this can represent up to 10% of an MNO's bottom line.
#3. Costs of damaged brand image
Besides, the indirect costs associated with identity theft can mount up quickly.
MNOs need to act fast to address the damage caused to their reputation due to poor user experiences.
This includes compensation and incentive payments, updating security parameters in back-end systems, and re-issuance of SIM cards, not to mention any financial liability issues with banks.
Furthermore, lengthy and costly advertising campaigns to restore trust with consumers, investors, and partners play a big part in these costs.
Checklist when selecting an identity verification service
For operators and MVNOs, choosing an ID verification solution is a critical decision in 2023.
Here are seven essential factors to consider.
Make sure that your provider:
1. Has extended expertise. Start-ups may picture it as "specialization", but find a provider that offers more than facial biometrics - much more.
Fraudsters come from every angle.
Telecom businesses require versatile solutions to protect their physical, mobile and virtual ecosystems. Combined expertise in documents, identification, online authentication, advanced biometrics and security are essential in ID verification.
It's easier to manage a rich solution from a single provider than a patchwork of solutions. You won't get integration headaches down the road.
2. Can innovate. While you probably do not look forward to being the guinea pig that experiences the latest AI-based technology, you also do not wish to lag behind. Offering the latest services and adopting new technology early on will ultimately give you a competitive advantage.
An ID verification solution provider who stays on top of innovations and offers the most advanced options will ensure your business remains at the edge, functional, and relevant.
3. Is an advisor and not just a supplier. As we said, compliance regulations are complex and technological change is accelerating. Look for a provider who can act as a consultant, design a customized solution to meet your unique requirements and explain how it will impact your business operations.
4. Offers many different options you can choose from. There's no one-size-fits-all solution in identity verification. Only with various options can your provider craft the customized technology solutions that best fit your needs.
Simply put, your provider should have the capability to help you scale. Therefore, choose a provider who can continue to support you when regulations change and your goals evolve.
5. Helps you budget for the ID verification services you need. A good provider will offer services you can budget for and cloud-based solutions that you can write off as operating charges rather than capital ones. Software-as-a-service solutions will also provide the flexibility of a "pay as you go" scheme.
6. Is willing to share experience and references. A trustworthy provider will readily share customers' experiences.
Feedback from other customers will provide insight into the company's industry experience and service skills.
7. Ensures that you'll have a highly secure environment that sustains the availability, integrity, and confidentiality of your identification solution and data. You're protected from threats and breaches in compliance with industry and government regulations.
But the future of your business may hang on your ability to take reasonable steps to avoid ID fraud and prove you've done your due diligence.
Thales in the field of identity verification service
Thales is the leading government supplier of secure ID documents and has more than 15 Mobile Network Operators references.
We work closely with identity fraud experts worldwide. Through the many ID projects we have rolled out, including securing national borders for many countries, we have built a raft of experience detecting fake documents.
Identity fraud techniques are constantly evolving, and staying ahead of the game is vital.
Thales closely monitors any shifts in technique and immediately integrates them into our portfolio of identity verification services.
Our solutions perform specific and automated cutting-edge graphical ID documents and biometric checks, such as facial or voice matching, including liveness detection, in a matter of seconds, freeing up our customers to focus on the customer experience.
We combine our in-depth knowledge of public and private sectors to help MNOs slash subscription fraud with identity verification services that meet government-grade security standards, comply with national regulations, and easily integrate into their existing environment.
Our worldwide capabilities enable the deployment of platforms and services, such as managed services or on-premises.
More on ID verification use cases, solutions and services for telecom operators
Biometric identity verification for TIM Brasil
Digital identity verification service for a leading Asian operator
Identity fraud in Telecommunication: the financial burden
Digital customer onboarding (white paper)
Facial liveness detection: AI, countermeasures and certification
Digital transformation for Telecoms (the 100% customer digital journey)
Find out more about Thales Trusted Digital Identity
Find out more about how Thales solutions help MNOs slash identity fraud
Thales Trusted Digital ID
Where robust ID fraud prevention meets a seamless customer journey