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TERMS AND CONDITIONS OF USE AND SHOPPING
Welcome to the website www.mariona.es (hereinafter "MARIONA.ES" or "the Web"). Accessing to the Web and browsing through it, submitting an order and purchasing products promoted through the Web presuppose reading, understanding and accepting of these Terms and Conditions of Use and Shopping Purchase (hereinafter "Terms ").
Therefore, before using the Web please carefully read the "Terms" and the other related binding documents, Legal Notice, Cookies Policy and Privacy Policy. If you do not agree to the Terms, do not browse through MARIONA.ES.
If the User has any questions regarding the Terms please contact us through our contact form.
The products advertised through the Web are marketed and sold directly by MARIONA BAULENAS, SL, a Spanish company established in Benet Mateu, 48-50 Barcelona and registered in the Register of Barcelona, Volume 32279, Sheet 51, Page B 205293, inscription 1, VAT number ESB62165808.
The User can contact MARIONA BAULENAS, SL through our Customer Service at (+34) 93 204 82 09 Monday to Friday from 10.00 to 13.30 GMT + 1 and 16.30 to 20.00 GMT + 1 and Saturday from 10.00 to 14:00 GMT + 1 or at any time by email to info@mariona.es or using the contact form.
1.1. For the purposes of these terms and conditions the following definitions apply:
1.1.1. Web or MARIONA.ES: The set of web pages that make up the website published under the domain name mariona.es and its sub domains.
1.1.2. User: Any individual who has provided personal information through any web form or who access Web.
1.1.3. MARIONA: MARIONA BAULENAS, SL.
1.1.4. Private Area: Pages of the Web which access is limited to the registered Users. Through this Area Users can submit and manage their orders.
2.1. This document establishes the terms and conditions that will apply to the orders for the products promoted through the Web, and their management by the section "My Account" of Private Area.
2.2. MARIONA offers products for sale in MARIONA.ES exclusively to end consumers, defined as natural persons or legal entities (companies) when their performance using the Web is for purposes other than those related to their commercial, business or professional activities. If the User is not an end user, we invite her/him to refrain from submitting any order.
2.3. The territorial scope of the Terms is limited to countries and areas specified in the Shopping Guide, paragraph Shipments.
3. Contractual framework
3.1. The contractual framework which defines the rights and obligations of the parties is configured by:
3.1.1. Terms and conditions of use and Shopping
3.1.2. Legal Notice
3.1.3. Privacy Policy
3.1.4. Cookies Policy
3.2. All these documents are published on the Web and in the Private Area and must be expressly accepted by the User at the time of the creation of her/his User account.
3.3. These documents include at his end the date last modification. Any subsequent amendments to these documents will be reflected by a change that date to always display the latest updated version. If the User continues to use the Web after a change in any of these documents, MARIONA, understood that the user accepts the contractual framework of those new documents that they will replace the previous ones.
3.4. In case of conflict or contradiction between these documents the following order of precedence is established:
1st. Terms and conditions of use and Shopping
2nd. Legal Notice
3rd. Privacy Policy
4th. Cookies Policy
3.5. By accepting the Terms the User warrants that is adult and she/he has the capacity to do so and, therefore, to place orders and buy products.
4. Execution of the Agreement
4.1. The promotion MARIONA does through the Web of the products that it markets shall be considered as an invitation to purchase. In no case, it must be understood as an offer to sell by the User. Consequently, no contract will exist between the User and MARIONA in connection with any product until the order placed by the User is expressly accepted by MARIONA.
4.2. To place an order, the User must select the products, she/he must indicate where he wants to receive them and proceed to the payment of them and of the corresponding expenses. Once MARIONA has received the order , the User will receive an email acknowledging the receipt (the "Order Confirmation"). The reception of this mail by the User does not imply MARIONA has accepted the order, since the order is an offer that the User makes to MARIONA to buy one or more products.
4.3. All orders are subject to the express acceptance of MARIONA. Such acceptance will be communicated to the User via e-mail that will confirm her/his order has been managed and the products will be sent (the "Delivery Confirmation").Only after receipt of the Delivery Confirmation the contract for the purchase of a product between the User and MARIONA (the "Agreement") will be executed.
4.4. Only those products listed in the Delivery Confirmation will be on the scope of the Agreement. MARIONA shall not be required to provide the User any other product that could have been in the order placed by the User but does not appear in the Delivery Confirmation.
4.5. In the event that the User's offer was not entirely or partially accepted by MARIONA, MARIONA will refund the User the total amount paid or the part of the amount paid related to the products which offer has not been accepted. In both cases, the refund will be made by the same form of payment used by the User.
5. Object of the Agreement: Products
5.1. MARIONA promotes through MARIONA.ES products that the User can find in its stores. All products are 100% authentic.
5.2. MARIONA reserves the right to decide, at all times, about the products advertised through MARIONA.ES. In particular, MARIONA may at any time add or remove products from the Web.
5.3. The essential characteristics of the products are presented in MARIONA.ES within each product factsheet based on the information provided by the manufacturer. Despite the meticulous care taken by MARIONA in faithful reproduction of the products promoted through MARIONA.ES, their pictures and colors could, however, not accurately reflect reality, due to the specific characteristics of the Internet browser and the screen used by the User or the nature of the products themselves, especially when they have been made with natural or craft materials.
5.4. All orders are subject to availability and MARIONA works to ensure that only items that are in stock are shown in MARIONA.ES. However, if after receiving an order MARIONA has difficulties in the provision of products ordered or if they are no longer in stock, MARIONA reserves the right to inform the User about the error and the possibility of replacing them by other products with equal or greater value and quality. If the User does not wish to order such substitute products, MARIONA will refund any amount that the User may have previously paid for them. Such reimbursement shall be made by the same form of payment used by the User.
6.1. The price of the products will be as stipulated in each moment in MARIONA.ES, except in cases of obvious error. Although MARIONA tries to ensure that all prices listed on the website are accurate, errors may exist. If an error is detected in the price of any product that the User has offered during the management of an order, MARIONA shall immediately inform the User giving her/him the option of reconfirming her/his order with the correct price or canceling it. If MARIONA fails to contact the user, MARIONA will cancel the order and refund the User in full the amounts that would have been paid by the same payment method used by the User.
6.2. MARIONA shall not be required to deliver to the User any product at the incorrect lower price (even though he sent the Delivery Confirmation) if the pricing error is obvious and unmistakable and could have reasonably been recognized by the User as incorrect price.
6.3. Prices may change at any time, but (other than as set out above) changes will not affect orders in respect of which MARIONA has already sent the Order Confirmation.
6.4. The product prices are in Euros (€) and include the VAT legally in force at the time, but exclude shipping costs that apply and are detailed in the Shopping Guide, paragraph Shipments. These expenses will be added to the price of products.
6.5. However, regarding orders to be sent to the Canary Islands, Ceuta, Melilla or a country that is outside the European Union, the price of the products do not include VAT or shipping costs that are detailed in the Shopping Guide, paragraph Shipments, and will be added to the total amount due. Moreover, in these cases, on arrival of the order the customs of each country and the carrier will charge to the User taxes, customs duty and / or other costs arising from import that may apply in each territory. MARIONA shall not be held liable for any such expenses and taxes are the sole responsibility of the buyer.
6.6. Once the User has selected all the items she/he wishes to purchase, it will be added to the cart and the next step will be placing the order and making payment. To do this, the User must follow the steps of the buying process, filling or checking the information in each step.
6.7. Until payment, the User would be able to modify the details of her/his order. For more information see the Shopping Guide. Furthermore, the User has all orders details placed in section My Account - My Orders.
6.8. The rates of shipping costs may vary depending on promotions MARIONA wants to apply at a given time or changes in rates given by carriers.
7.1. User may use the following payment methods: Bank Transfer, Visa, Visa Electron, Mastercard, American Express and Paypal.
7.2. If the User chooses a bank transfer she/he must include as reference the order number and his/her name. The transfer must be ordered to MARIONA BAULENAS, SL. User must bear all expenses or fees the bank may charge. The amount received by MARIONA BAULENAS, SL shall be full and coincident with the total value of the order and the shipping costs, if any.
7.3. If the User chooses to pay by credit card, bank and credit card details will be transmitted using a secure and encrypted protocol to the payment service providers, without MARIONA being able to access them and therefore without being able to store them.
7.4. By clicking "Virtual POS card secure payment (connection with your Bank)" Users shall confirm that the credit card is theirs.
7.5. Payments by credit cards are subject to validation and authorization checks by the card issuer. If the card issuer fails to authorize payment, the order will be canceled.
7.6. From certain amounts and to ensure the safety of the User, for payment by credit card only transactions CES (Secure Electronic Commerce) will be accepted. After verifying that the card is attached to the CES system, the system will contact the bank that issued it, in order that User authorizes the payment. When the bank has confirmed the authenticity, the charge will be made on the card. Otherwise the order will be canceled.
7.7. The bill included in the shipping package will be also available and will be shown in MARIONA.ES in My account - My Orders.
8. Shipment and delivery of products
8.1. Notwithstanding the provisions of paragraph 5 above regarding Object of Agreement and unless extraordinary circumstances, MARIONA will send the product/s listed in each Delivery Confirmation within estimated and indicated days in the Shopping Guide, paragraph Shipments, and in any case within a maximum period of 30 days from the date of the Order Confirmation
8.2. However, delays may occur for reasons such as the occurrence of unforeseen circumstances, logistical reasons or force majeure. MARIONA will not assume any liability for delays arising from the reasons cited above, nor for those due to the Customs of each country.
8.3. Nevertheless, since MARIONA is aware of the existence of a delay in delivery of products, shall inform the user.
8.4. In the case of late delivery of orders attributable to MARIONA, the User may cancel her/his order in accordance with the procedure described in the "Changes Policy and Returns" section, like it was a defective product, that is, without assuming the costs of shipments and return, if any. They are not considered as delays in delivery when the order has been made available to the User by the carrier within the agreed time and was unable to be delivered for reasons attributable to her/him.
8.5. MARIONA undertakes to deliver the goods in perfect condition in the direction the User has indicated in the order form. In order to optimize deliveries, MARIONA recommends to the User that she/he indicates an address where the order can be delivered during normal working hours, and a telephone number (preferably a mobile number) in order that the carrier can contact her/him to resolve any incident. No deliveries are made on Saturdays and Sundays, or on national, regional or local holidays, or in PO Boxes.
8.6. MARIONA will not be responsible for errors occurred during delivery when the shipping address given by the User in the order form is not right, or has been omitted or changed afterward.
8.7. For the purposes of the Terms it will be understood that the "delivery" has been done or the order has been "delivered" when the User or a third party designated by the User acquires physical possession of the goods. This time coincides with the time when the carrier makes the product available to the User or third party authorized by the User and it is recorded through the carrier control system.
8.8. At the time of delivery, the User must check the good condition of the package in front of the carrier who makes delivery of the ordered product, stating in the delivery order, if applicable, any anomaly that the User could detect in packing (breakage, moisture, open or detached packing tape, etc.) in order that MARIONA can process the appropriate claim to the carrier in the case that, once opened the package, the product has any anomaly. Alternatively, you can opt to refuse the delivery and communicate that circumstance to MARIONA via the contact form on the same day.
8.9. MARIONA will not be responsible for any damage or incidents that the products may present as a result of damages or incidents on the packaging that contained them, when these have not been stated by the User at the time of signing the delivery order to the carrier.
8.10. The risk of loss or damage of the products shall be borne by the User from the time of their delivery to the User.
8.11. MARIONA will send the User an e-mail informing his/her order has left its warehouse. In this e-mail the shipping tracking number and a link to the website carrier company will be provided to the user, in order she/he can track the shippment or, in event of any incident in the delivery occurs, User can contact directly the carrier to resolve it.
8.12. If at the time of delivery User is absent, the carrier will leave a receipt indicating how to proceed to arrange a new delivery or alternatively, where she/he can go to pick it up.
8.13. After 7 working days from the time where the products departed for being delivery to the User and it would not have been delivered to him/her, the User must contact MARIONA through the contact form stating that fact.
8.14. When the User does not act in this way, after 7 working days from the time where the products departed for being delivered to the User or after 2 failed attempts delivery and if the order has not been delivered for reasons attributable to MARIONA, MARIONA understood that the User wishes to withdraw the Agreement and will consider its termination. As consequence of termination, the package with the order will be returned to stores MARIONA, and the User shall be borne by the shipping and return costs to origin of the goods, as well as any costs associated its management. Consequently, MARIONA will refund to User the sums paid after having deducted of the expenses above mentioned, by the same payment method used to place the order.
8.15. If the delivery hadn't been able to make due to loss of package, MARIONA will contact the User in order that he/ she decides whether to cancel her/his order and MARIONA refunds the amount paid (price of the product and the costs of shipment), or re-send a new order at no additional cost.
9. Changes Policy and Returns
A. Right of withdrawal:
9.1. The User has the right to withdraw the Agreement which implies rescind it, without giving any reason and without penalty of any kind within the period specified below.
9.2. MARIONA extends the deadline of fourteen (14) days for exercising the right to withdraw legally recognized to consumers to twenty (20) calendar days.This term begins to run from the day the User or his designee, acquires physical possession of the goods ordered, meaning the delivery thereof. In the event that products be referred to the User in various shipments, the period shall run from the delivery of the last product.
9.3. To exercise the right of withdrawal User must confirm its decision to withdraw from the contract and, therefore, their willingness to return the product/s .This statement may be performed through the following channels:
9.3.1. "My Orders" in the Private Area, "My Account". Once there, the User must select the order containing the Articles that wants to return and request a refund, or.
9.3.2. Contacting MARIONA through Customer Service at (+34) 93 204 82 09 Monday to Friday from 10.00 to 13.30 and 16.30 to 20.00 and Saturday from 10.00 to 14 GMT + 1, or
9.3.3. Sending an e-mail to info@mariona.es attaching the model of withdrawal which can be accessed by clicking here and indicating in the subject RETURN.
B. Consequences of the right of withdrawal
9.4. During the period mentioned the User may return to MARIONA all or any of the products of an order and MARIONA shall refund the amounts paid without undue delay and in any event no later than 14 calendar days from the date which communicate to MARIONA her/his decision to withdraw the Agreement.
9.5. The refundable amounts will be reimbursed using the same form of payment used by the User at the time of placing the order to which they belong products refunded.
9.6. Notwithstanding the foregoing, MARIONA may withhold reimbursement until it has received the goods back or the User has supplied evidence of repayment thereof, whichever condition is met first.
9.7. The User must return the goods without undue delay and in any case no later than fourteen (14) calendar days from the date which the User communicates to MARIONA her/his decision to withdraw from the Agreement
9.7.1. In either MARIONA stores presenting the invoice sent with the goods, or
9.7.2. Through the carrier that MARIONA indicates him/her or
9.7.3. By hiring a carrier selected by the User
9.8. The deadline is met if you send back the goods through a carrier and you delivered the goods to him before the period had ended, independently the date when MARIONA will receive them.
9.9. Unless the User returns the products on MARIONA shops or it was defective or wrong merchandise, she/he shall bear the direct cost of returning the goods. In the Shopping Guide, paragraph "Returns" the costs of collection of a return are detailed depending on the area / country of collection.
9.10. Only the User shall be responsible for the diminished value of the goods resulting from a use different than necessary to establish the nature, characteristics and functioning of the goods.
C. Management of return
9.11. Upon receipt of the request, MARIONA will send an email to the User confirming its receipt and reminding instructions to follow for the return. Optionally for if the return is made by carriers contracted by MARIONA addition to these instructions the user, too, could receive as attachments to e-mail indicated:
9.11.1. A collection tag which must be printed by the User and visibly stuck on the package that will be collected by the carrier.
9.11.2. A proforma invoice (for customs purposes and if the return is made from the Canary Islands, Ceuta, Melilla or a country outside the EU), to be printed by the User and handed over to the carrier along with the package to return .
9.12. After receiving the e-mail with such instructions, items must be delivered to the carrier within a period of 7 working days from the day following receipt of that e-mail. MARIONA reserves the right to reject returns that are not delivered to the carrier within the deadline or not receive the products within fourteen (14) calendar days from receipt of e-mail confirming your return request, when the User has opted to return the goods in any store of MARIONA, unless the delay in the return is attributable to MARIONA.
9.13. The return of the products that would not be made in-store MARIONA must be performed by the User through our transportation companies. Notwithstanding the foregoing, he/she may choose to arrange a return through means other than our carriers and / or with a different type of procedure. In that case:
9.13.1. The User should send the product / s returned to the following address:
MARIONA BAULENAS, SL
9.13.2. The User shall pay directly the shipment costs of the return to the selected carrier, as well as any other costs, fees or taxes that may be incurred as a result of such carriage and taken through any Customs.
9.13.3. The User agrees and assumes the responsibility for any risk, delay, loss or damage that products returned may suffer until their delivery to MARIONA.
9.14. After receiving the MARIONA products shall examine them and confirm the User the right to refund of amounts paid. It will proceed to refund of amounts paid by the User when the products are returned in the same condition as received. It will not refund any amount when the items returned:
9.14.1. They have been used beyond the mere opening them and in order to verify the characteristics and quality of them.
9.14.2. They are not in good condition and in the same condition in which they were delivered. This implies that the goods have not been used, nor altered nor washed and they have all tags attached as they were in origin and they are in their original packaging.
9.14.3. They are not returned using the same protective cardboard box that has been received to protect the product, or failing that, in a similar protective box so that the product arrives at our warehouse with maximum guarantees possible conservation.
9.14.4. They are not returned in a single package / shipping all products of the same order.
9.15. According to the above, MARIONA will refund to the User the amount paid, after having deducted the costs of transport collection for its return
9.16. The return to the User of the respective amounts, as stated above in this section shall be made within fourteen (14) days. MARIONA will send the User an e-mail informing that payment has been made.
9.17. The User must keep in mind that reimbursements in a credit card always depend on its financial entity.
D. Products excluded from the right of withdrawal
9.18. Given the nature of certain items, the User is not entitled to rescind the contract covering the supply of any of the following products:
9.18.1.Personalized items.
9.18.2.Toiletries or lingerie.
E. Changes
9.19. Users may change an article by another within a maximum period of 20 calendar days from the delivery date. For this Users may
9.19.1.Return the product and make a new order, or
9.19.2.Go to any MARIONA stores presenting the bill she/he has received with the shipment.
9.20. It will apply to changes what is set out in the preceding paragraphs for product returns.
F. Refund of defective products
9.21. In cases where the User considers that at the time of delivery the product does not comply with the provisions of the Agreement, he must contact MARIONA immediately through our contact form with details of the product and order and the reason for the disagreement, indicating damage, marks on the fabric, etc. and whether he is interested in replacement the product or refund of amounts paid.
9.22. From receipt of the said form by MARIONA, User may be contacted directly to obtain additional information or we may send him an e-mail giving further instructions on how to proceed.
9.23. The return of the defective product will be handled the same way as refunds upon exercise of the right of withdrawal.
9.24. After receipt of the product, MARIONA will proceed to verify the status of the product. Then MARIONA will communicate by e-mail within a reasonable time if any refund or replacement the product as requested by the User is due. Both the refund, as the replacement the article will be made as soon as possible and, in any event, within fourteen (14) days from the date we send an email confirming that appropriate refund or replacement the nonconforming item.
9.25. Amounts paid for products that are returned because of some fault or defect, where actually founded, will be refunded in full, including delivery costs incurred to deliver the item. The return costs will be borne by MARIONA. The refund of amounts paid shall be made by the same payment method used by the user to process the order.
9.26. In the event you opt for replacement, MARIONA shall assume both the cost of returning the defective product and of shipping the new product.
9.27. However, rights recognized by law remain.
10. Customer Service and Claims
10.1. For any clarification, incidence, comments or suggestions or complaints, the User may contact the MARIONA's Customer Service either by phone (+34) 93 204 82 09 Monday to Friday from 10.00 to 13 30 and from 16.30 to 20 and Saturday from 10.00 to 14.00 GTM +1 or by email to info@mariona.es, either through the existing contact form MARIONA.ES.
10.2. In the event that the communication is a complaint after the receipt thereof MARIONA will send via email the ID code of the claim and written proof of it.
10.3. MARIONA must resolve the complaint within one month from the receipt of the referral of the complaint.
11. Liability limitation
11.1. Unless otherwise expressly provided in the Terms or because limiting liability was not admitted by law, MARIONA responsibility for damages to the User in connection with any product purchased in MARIONA.ES will be strictly limited to the price paid for such product.
11.2. To the extent legally permitted, and unless otherwise specified in the Terms, MARIONA will not assume any liability for the following losses, regardless of their origin:
11.2.1. loss of income or sales.
11.2.2. loss of business.
11.2.3. loss of profits or contracts.
11.2.4. loss of anticipated savings.
11.2.5. data loss.
11.2.6. time wasted in management or office hours.
11.3. All product descriptions, information and materials contained in the Website are provided "as it is" without express or implied warranties about them except legally established. Since MARIONA accepts only orders of Users who have the status of consumer and user, MARIONA is obliged to deliver her/him goods which comply with the Agreement, being responsible for any lack of conformity existing at the time of the product delivery. It is understood that products are in conformity with the Agreement provided that
11.3.1. complies with the description provided by MARIONA and possess the qualities described in the Web,
11.3.2. they are suitable for the purposes for which products of the same type are used and
11.3.3. they have the usual quality and features reasonably expected of a product of the same type.
11.4. Items that MARIONA markets, especially handicrafts, can often have the characteristics of natural materials used in their manufacture. These features, such as variation in the grain, texture, knots and in color, will not be considered faults or defects. Rather, it should be taken into account that these features exist and appreciate them. MARIONA selects only top quality products, but natural characteristics are inevitable and should be accepted as part of the individual product appearance.
11.5. To the extent permitted by law, MARIONA excludes all warranties except those which may not lawfully be excluded in front of consumers.
11.6. The provisions of this clause shall not affect your rights as a consumer, nor your right to cancel the Contract.
12. User Obligations
12.1. By accepting these Terms and using the Web as well as processing an order, the User agrees to:
12.1.1. Make use of the Web only to make legitimate inquiries or orders.
12.1.2. Do not make any false or fraudulent order. If we could reasonably consider that there has been a request of this nature MARIONA shall be entitled to cancel the order and inform the relevant authorities.
13. Term of Agreement
13.1. The term of each of the Contracts which are drawn up between the User and MARIONA is established from the date of order acceptance until its delivery to the satisfaction of the user, meaning, when the deadlines set out in product Change Policy and returns section have finished.
13.2. Terms are in force while they are published in the Web, until the time they are modified in whole or in part by MARIONA as a result of changes in legislation, case law or business practice.
14. Resolution or Termination of Agreement
14.1. The Agreement and theTerms will be rescinded:
14.1.1. By the total or partial breach of any of the covenants of the Agreement or the Terms by either Party.
14.1.2. In the case of an Agreement, by compliance by Parties with their obligations.
14.1.3. Due to extinction of the legal personality of MARIONA BAULENAS, SL.
14.1.4 .When the User closes her/his user account.
14.1.5. When MARIONA ceases marketing products through MARIONA.ES.
14.2. In the event that the cause for resolution is the closure of the user account or the extinction of the legal personality of MARIONA or cessation of its activities through the Web, the Parties undertake to manage the order until complete execution.
15.1. Neither party shall be responsible for failure or defective performance or late obligations under these Terms if such failure or defective performance or late stems from events which could not be foreseen, or which provided, are unavoidable, such as cases of force majeure such as natural disasters, war, siege, disturbances of public order, power outage or electronic communications service, or any other exceptional measures taken by the administrative authorities or government.
16.1. Where the applicable legislation requires that some of the information or communications that MARIONA sends to the User should be in writing, using the Web the User agrees that most of these communications with MARIONA were by electronic means, like via email, via notices published in the Web. For contractual purposes, the User consents to this electronic means of communication and acknowledges that any agreement or notices, information and other communications that MARIONA sends to him/her electronically comply with legal requirements as being in written. This condition does not affect his statutory rights.
16.2. Notifications the User shall send to us should be sent preferably through our contact form. According to the first paragraph of this clause and unless otherwise provided, we may give notice to the User either by e-mail or to the address provided by the User when placing an order. It is understood that the notifications have been received and properly served when posted on the Web, 24 hours after sending an email, or three days after the date of posting of any letter.
16.3. To prove that the notification has been made, it is sufficient to prove, in the case of a letter, that the address was right, it was properly sealed and was duly submitted in the post office or, in case of emails, that it was sent to the email address specified by the recipient and has not been returned by the webmaster.
17. Transfer of rights and obligations
17.1. The Agreement and Terms are binding on MARIONA, the User and our respective successors and assignees.
17.2. The User may not transfer, assign, charge or otherwise dispose of a Agreement, or any of the rights or obligations arising from it or the Terms without our prior written consent.
17.3. MARIONA may transfer, assign, charge, sub-contract or otherwise dispose of a Agreement, or any of the rights or obligations arising under it, at any time during the term of the Agreement. To avoid any doubt, said transmissions, assignments, liens or other transfers will not affect the rights, if any, as a consumer, that law could have recognized to the User and should not cancel, reduce or otherwise limit warranties, whether express or implied, that we had been able to bestow.
18. Waive
18.1. Any lack of requirement from MARIONA asking for strict compliance by the User of any of the obligations assumed by the User under an Agreement or these Terms or any lack of exercise by MARIONA of rights or actions that could correspond it under this Agreement or the Terms will not constitute a waiver or limitation in relation to those rights or remedies, nor will relieve the User from compliance with such obligations.
18.2. No waiver by MARIONA of a right or specific activities shall include a waiver of other rights or remedies under the Agreement or the Terms.
18.3. For any waiver by MARIONA of any of these Terms or any right or remedy under the Agreement should take effect; it shall be designated as such waiver and should be formalized and communicated to the User in writing.
19. Partial nullity
19.1. If any of these Terms or any provisions of an Agreement being declared null and void by a final decision of competent authority, the remaining terms and conditions shall remain in effect without being affected by such invalidity.
20.1. The Terms and any document expressly referred to in them represent the entire agreement between the User and us relating to the subject thereof and supersede any prior agreement, contract, or promise agreed between the User and MARIONA verbally or in writing.
20.2. The User and MARIONA recognize each other that they have consented to the conclusion of the Agreement without having relied on any statement or promise made by the other party or which may be inferred from any statement or wording in negotiations prior to such Agreement except what is explicitly mentioned in these Conditions.
20.3. Neither the User nor have MARIONA action against any untrue statement made by the other party, orally or in writing, prior to the date of the Agreement (unless such untrue statement had been made fraudulently) and the only action that the other party shall have would be for breach of contract as provided in the Terms.
21. Law and Jurisdiction
21.1. The Terms are governed by Spanish law.
21.2. Users and MARIONA expressly waive its immunity to the extent that the law so allows, subject all interpretations or conflicts that could arise from these Terms to the Courts of Barcelona city.
22.1. The Terms are written in English and Spanish. The Spanish version is authentic.
23. Register of the Terms and Conditions of Use and Shopping's contents
23.1. MARIONA will keep a record of all versions of the Terms and Conditions of Use and Shopping.
24. Informative note pursuant to ARTICLE 14.1 REGULATION (UE) Nº 524/2013
24.1. According to article 14.1 of Regulation (EU) No 524/2013 of the European Parliament and of the Council of 21 May 2013 on online dispute resolution for consumer disputes and amending Regulation (EC) No 2006/2004 and Directive 2009/22/EC MARIONA informs to you that the Commission has developped and manage an online dispute resolution platform at which you can accede through this link http://ec.europa.eu/consumers/odr/.
Last amendment: 10th February 2016


text:
One step forward, two steps back: fossil fuel subsidies and reform on the rise
Laura Merrill
Global Subsidies Initiative Manager and Senior Policy Advisor
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This article is part of Friends of Europe's latest discussion paper 'The overlooked side of the ecological transition', available here.
Over the past decade, there has been widespread agreement on the benefits of reforming subsidies to fossil fuels, a move supported by the commitments and discussions that have taken place within international forums. It is reassuring to note that between 2012 and 2016, fossil fuel subsidies (FFS) to consumers almost halved, going from $504bn to $260bn. This reduction was due to a combination of reform efforts and a decrease in international prices for crude oil, both of which provided a window of opportunity for action and allowed governments to implement long-awaited reform plans.
In a review of reform efforts, the Global Subsidies Initiative (GSI) has mapped the countries that have implemented some level of FFS reform between 2015 and 2018, acknowledging the various policy changes that have contributed to declining fuel subsidies. Some fifty countries have implemented some level of policy change during this time – change that ranges from alterations in fuel prices to the deregulation of energy tariff reforms. While this map is not an exhaustive picture of all subsidy policy change, and although it does not cover all subsidies within a country, it does illustrate the broad engagement of countries, as seen at a national level, in tackling the FFS issue.
Despite these reforms, the International Energy Agency (IEA) found that consumer support for subsidies increased slightly in 2017, reflecting pressure on previously implemented reforms due to the rise of oil prices in the international market. The IEA finds that consumer FFSs (price-gap methodology) increased from $270bn in 2016 to $302bn in 2017. The increase is linked to a change in the average oil price from $42 per barrel in 2016, to $52 per barrel in 2017. However, the 12% increase in consumption subsidies was considerably less than the 25% increase in oil price; this indicates that there is still a level of ongoing reform that has taken place and is being maintained. In this context, governments will need strong encouragement and support to maintain existing energy reforms, while also introducing additional energy sector reforms and enabling domestic prices to reflect changing international ones. Reforming FFSs and shifting to renewable energy are two processes by which governments are afforded the opportunity to protect themselves from the volatility of international oil prices.
The scale of subsidies to fossil fuels is still significant, sitting at around $400bn in 2017
Moreover, the IMF recently released a working paper with updated global estimates of consumer price support for FFS estimates using pre-tax and post-tax subsidies approaches. The latter differs from the IEA method, given that it includes un-priced externalities arising from fossil fuel usage, such as GHG emissions and emissions of air pollutants, as well as social costs associated with driving (e.g. traffic congestion). According to the authors, these costs are 15 to 20 times larger than pre-tax subsidies, which stood at $296bn in 2017. They reached $5.2tn in 2017, up from $4.7tn in 2015, starkly illustrating the broader negative costs and the impact that fossil fuels have on the environment and the economy as a whole. Furthermore, the research highlights the reality that there has not been a sharp increase in the pricing of environmental costs at the global level, despite the 2015 Paris Agreement and implementation of reforms in several countries.
Yet, even without including huge externalities, GSI estimates that the scale of subsidies to fossil fuels is still significant, sitting at around $400bn in 2017 ($300bn per year for consumer subsidies and between $70bn and 100bn for producer subsidies, which are consistently underreported).
It is crucial to implement and acknowledge the importance of FFS reform and the correct pricing of fossil fuels, even more so when the world is made aware of the high costs that accompany fossil fuels. When envisioning future steps, countries can observe successful reforms and pricing efforts which have been implemented by other countries around the globe, for example, through the research and networks that allow for knowledge exchange and provide important lessons for governments pursuing FFS reform.
India, for instance, has been succeeding in many different aspects in its phasing out of FFSs. Between fiscal year (FY) 2014 and FY 2017, the country cut subsidies to oil and gas by 76%, from $26.1 bn to $5.5bn, thanks to a combination of various reforms and a decrease in international oil prices. During the same period, government support for renewable energy grew almost sixfold — from INR 2,608 crore ($431mn) in FY 2014 to INR 15,040 crore ($2.2bn) in FY 2017. Meanwhile, in 2015, liquefied petroleum gas subsidies began to consumers' bank accounts, putting in place the world's largest benefit transfer scheme as a way to avoid diversion and eliminate duplicate connections and non-existent users. Moreover, the country has also implemented communication campaigns to assess consumers' views on developments, which is a key part of delivering successful reforms.
The importance of FFS reform is clear and unanimous: FFSs are socially regressive, failing as a social welfare policy tool
On the other hand, some countries have been struggling to maintain efforts to phase out FFSs for many different reasons. In 2015, Indonesia completed its reform of gasoline and diesel subsidies, saving up to $15.5bn. However, the country has not implemented fuel price changes in a consistent and regular manner, as evidenced by the gaps that have become apparent when prices were adjusted over time. Prices were last locked in 2019 in the leadup to recent presidential elections. More importantly, the island country has continued to invest in coal power plants, going against the encouraged global practice of moving toward cleaner sources of energy.
Whatever the case, the importance of FFS reform is clear and unanimous: FFSs are socially regressive, failing as a social welfare policy tool and potentially preventing government funding of more sophisticated social security nets, including investment in health and education.
Furthermore, such subsidies lock us into a high-carbon future and their elimination could contribute to reducing carbon emissions, as stated in the Paris Agreement. Despite considerable efforts to reform FFSs, the absolute value of subsidies increased in 2017, both in subsidies captured within the economy and those yet unpriced, which brings massive broader costs to society (the externalities). It is therefore crucial that countries persist with efforts to phase out subsidies to fossil fuels and usher in more efficient social welfare and sustainable energy systems. To succeed in doing so, it will be imperative that they are supported in their endeavours by the international community.
This article is republished from GSI Subsidy Watch Blog, May 23rd 2019.
https://www.iisd.org/gsi/subsidy-watch-blog/fossil-fuel-subsidies-and-reform-on-the-rise
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Kedarnath – The start of her pilgrimage.
It's not that Abhishek Kapoor hasn't made a film of a soaked-mud drama genre before which is affiliated with true events. But, I would agree that he has made some very distinctive films, when glancing through his shelf.
I will start with giving full points to the visual effects team and graphic designers who made it look extravagantly real, increasing the level of thrill in the film. A great start to Sara's career. She delivers a power packed performance. We all know how well Sushant acts and the reason he has moved up from television onto the big screen. Additionally, thank the current generation, the Indian moviegoers are moving up and ahead in terms of what kind of films they want to spend their precious money on. Favoring the great stories and not the lousy storied, big budget films. Criticizing the films according to their purpose rather than according to the cast. That being said, this film does good on the plot and moreover on the individual performances.
Kedarnath very beautifully revolves around four key situations to make it a whole. One, the floods which occurred in the Uttrakhand, India in 2013, due to heavy, non-stop rainfall, destroying almost the whole state. Two, the love story of this couple Mansoor (played by Sushant Singh Rajput) & Mandakini (played by Sara Ali Khan). Three is yet again the according-to-the-book and backward thinking of Indians, pointed out by the director (Abhishek Kapoor) and screenplay writers (Kapoor and Kanika Dhillon). Herein, it is the inter-religion marriage which is highlighted and how even after reaching in the 21st century, small towns, villages and some underdeveloped cities in India still are living in the previous one. Four is how the temple and pilgrimage of Kedarnath was majorly affected during the 2013 floods and that love story took a major turn because of this catastrophe.
Music being delivered by the talented Amit Trivedi just gives an extra boost to the film, aside everything else. We (the audience) are now used to the monotonous additions of love stories into these reality based films. Hence, it won't really matter how the love story turns out to be unless the film is solely of a romantic genre.


text:
HTF Celebrates 25 years! - Brian Human remembers
2012 news articles
1987: Margaret Thatcher is returned to power; Coventry City wins the FA Cup; and the first IKEA opens at Warrington. The UK was a very different place in the year the English Historic Towns Forum was founded; and the Forum is now a different organisation from what was then. As the Historic Towns Forum it now embraces interests in Ireland, Scotland and Wales; historic 'towns' now include places like Birmingham, Bristol and Newcastle; twitter, the internet and e-publications have replaced modest paper pamphlets; and then the local authority membership subscription was a bargain at £100 (£230 in today's money).
But the fundamentals have remained remarkably consistent.
In 1987 the Forum's aims included to: 'encourage contact between local authorities'; 'organise seminars and conferences'; 'encourage a corporate, interdisciplinary approach to the management of historic towns'; 'compile and circulate a regular practice digest' (the first one was on 'Shopping in Historic Town Centres', plus ca change; and 'express a collective view on proposals which are likely to affect the interests of our historic towns'. These remain the underpinnings of the aims and activities of the Forum, though there is today a more explicit recognition of the interdependencies between prosperity and the conservation of our heritage. A phrase used regularly by the Forum, 'for prosperity and conservation in historic towns' encapsulates this broader perspective. The HTF has also taken on an international perspective, looking beyond the boundaries of the UK with study tours and the dissemination of European good practice.
Over the 25 years the Forum has focused on and developed approaches addressing a core of key issues affecting historic towns, including, townscape, retail development, destination management, traffic and transport, the public realm and practical heritage conservation. In its publications tackling these issues the Forum has been in the forefront of public policy development, for example:
Townscape in Trouble – The Case for Change(1992)
Park and Ride Good Practice Guide (1993)
Getting it Right – A Guide to Visitor Management in Historic Towns (1994)
Traffic in Historic Town Centres (1994)
Conservation Area Management (1998)
Traffic Demand Management(1999)
The Historic Core Zones Report (1999)
Manual for Historic Streets (2008)
The Forum continues to promote innovation in these areas and has developed its brief to disseminate good practice in dealing with community engagement, using social media, sustainability and climate change, identity and sense of place, localism and neighbourhood planning, and growth, especially housing, enterprise and prosperity.
The HTF has maintained its importance and relevance by recognising the core, long term concerns for our historic towns as models of sustainable communities, while adapting to and influencing a changing agenda. Like the times, it has changed, but held true to the vision of historic towns as very special places.
Brian Human


text:
Simmba's Sonu Sood chooses the wrong time to show his love for 'NANA'
Ranjini Maitra December 04 2018, 12.03 am
You see less of this man in films, but when he is in it, he does a great job. Sonu Sood - the tall, dusky, handsome man performs power-packed stunts with ease and always wins us over. Those who admired Salman Khan's Chulbul Pandey avatar have to agree, Sonu had put in just the equal amount of effort. This time around, he features in Ranveer Singh's big-budget film Simmba. We just watched the trailer and totally loved it!
"Dabangg was very special for me. I broke my nose also in a sequence with Salman Khan. But if you talk about the latest one, you will see me doing something very special and something I have not done in Dabangg," Sonu earlier told IANS. We have to wait for the film to find out what's really special about him here. But meanwhile, we are talking about something else. Did you have a close look at Sonu's T-shirt, that he wore at the trailer launch?
The black Tee has NANA written on it, in white. The attire is probably from Australia's popular streetwear and urban wear brand NANA JUDY. Hmmm, nice one. But guess it's not the right time to wear NANA boldly over your chest? If you got the hints, we are talking about the bad name Nana Patekar has really developed, thanks to his fiasco with Tanushree Dutta. Sonu and Tanushree had, incidentally, worked together in the latter's debut film. Sonu was even asked about his reaction on the entire episode. "I am not in a right position to say. We are not present on the sets, so we can't say anything. It is an individual's call on how a person reacts to situations," he told India Today.
The actor further refused to take a side in the controversy, citing that one couldn't take sides about an incident he didn't witness. We agree. But looks like he holds NANA close to him, quite literally!
BollywoodEntertainmentNana JudyNana Patekarranveer singhSara Ali KhanSimmbaSimmba trailer launchSonu SoodT-shirt
nextExclusive: Varun Dhawan spotted outside a dance studio post rehearsals for his dance film


This research aims to describe the pedagogical beliefs of differential educators on the specific difficulties of learning mathematics. This study employed a qualitative design with an ethnographic approach, in which four special education teachers participated, and the in-depth interview and participant observation were used as data collection instruments. The qualitative content analysis was used as a technical analysis of the discursive corpus obtained. Among the most relevant findings are the specific difficulties of learning mathematics that correspond to an intrinsic condition to the student, and the origin of these difficulties that are associated with both a health problem and inadequate methodologies of teaching mathematics. Likewise, it is proposed that students who have these difficulties have a problem at the level of mathematical reasoning, which prevents them from progressing in the learning of this school subject.
Licenciado en Educación, Profesor de Educación General Básica por la Pontificia Universidad Católica de Chile (2011), Magíster en Educación mención Dificultades del Aprendizaje por la Pontificia Universidad Católica de Chile (2015). Actualmente cursando estudios de Doctorado en Educación por las universidades Alberto Hurtado y Diego Portales (2016).
Bermeosolo, J. (2012). Psicopedagogía de la diversidad en el aula. Desafío a las barreras en el aprendizaje y la participación. Santiago: AlfaOmega.
Creswell, J. W. (2007). Qualitative inquire & research design: Choosing among five approaches. Thousand Oacks: Sage.
D´Amore, B., Fandiño, M. I., Marazzani, I. y Sbaragli. S. (2014). La didáctica y la dificultad en matemática: Análisis de situaciones con falta de aprendizaje. Madrid: Magisterio.
Hammersley, M. y Atkinson, P. (2005). Etnografía. Métodos de investigación. Barcelona: Paidós.
Ministerio de Educación. (2016). Matemática funcional para estudiantes que presentan NEE. Manual del docente. Santiago, Chile: Unidad de Educación Especial.
Quinn, M. (1990). Qualitative evaluation and research methods (2a ed.). Beverly Hills: Sage.
Thompson, A. (1992). Teacher's beliefs and conceptions: A synthesis of the research. En D. A. Grouws (Ed.), Handbook on mathematics teaching and learning (pp. 127-146). New York: Macmillan.


Dr. Jim Piecuch, Writer, History Professor at Kennesaw State University, has been recognized by Marquis Who's Who Top Educators for dedication, achievements, and leadership in history education and writing.
With more than 35 years of professional experience, Dr. Piecuch has been with Kennesaw State University since 2006 as an assistant professor, associate professor, and professor history. He had previously taught at Clarion University of Pennsylvania, Thomas Nelson Community College, the College of William & Mary and the University of New Hampshire at Manchester. With a focus on the American Revolutionary War, he has not only instilled a lifelong interest in his students, but he has completed a multiyear project that produced signs and information brochures to interpret the battlefields of Camden and Hobkirk's Hill in South Carolina. His creative works, which includes editing encyclopedias, publication reviews, and book writing, such his book "Three Peoples, One King: Loyalists, Indians, and Slaves in the Revolutionary South, 1775-1782″ have resulted in numerous awards and accolades.
Dr. Piecuch pursued a career in academics by first earning a Bachelor of Arts in history from the University of New Hampshire in 1994. He continued at the institution to receive a Master of Arts in history in 1997, followed by a PhD in history at the College of William & Mary in 2005. Before entering academia, Dr. Piecuch was a firefighter with the City of Manchester in New Hampshire and a freelance journalist for a number of years.
One of Dr. Piecuch's most recent honors was a nomination in 2017 for the CHSS Outstanding Engagement Award with the Department of History and Philosophy at Kennesaw State University. He has received additional awards from the institution, such as Recognition for Excellence from the Center for Excellence in Teaching and Learning and research grants. In 2016, Dr. Piecuch was named Educator of the Year by the South Carolina Society of the Sons of the American Revolution, and he has received further recognition from the National Society of the Daughters of the American Revolution, the David Library of the American Revolution, the Southern Campaigns of the American Resolution, and the South Carolina Historical Society.
T. Richard Robe, Ph.D., P.E.


text:
Boskie – dawna wieś na Ukrainie w rejonie tłumackim obwodu iwanofrankiwskiego. Leżała na południe od Oknian.

Historia
Boskie to dawniej samodzielna wieś. W II Rzeczypospolitej stanowiło część gminy jednostkowej Okniany w  powiecie tłumackim w województwie stanisławowskim. 1 sierpnia 1934 roku w ramach reformy na podstawie ustawy scaleniowej Boskie weszło w skład nowej zbiorowej gminy Tłumacz, gdzie we wrześniu 1934 utwrorzyło gromadę Boskie.

Podczas II wojny światowej w gminie Olesza w powiecie stanisławowskim w dystrykcie Galicja; liczba mieszkańców wynosiła 354.

Po wojnie włączone w struktury ZSRR, gdzie przemianowano je na w 1946 na Dubiwka (Дубівка).

Przypisy

Wsie w obwodzie iwanofrankiwskim
Rejon tłumacki

redpajama_set_name: RedPajamaWikipedia


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text:
Inspiring words from our CEO, Richard Kleiner
Beyond compliance
Tax Data
Category: Human resources
Are your EU workers ready for Brexit immigration?
By Nisha Minhas
Nisha Minhas
+44 (0)20 7299 1439 +44 (0)7918 367 532 nminhas@geraldedelman.com
Client Feedback 2019
Craft Gin Club launches mini-bond
Three ways to achieve maximum value for your business
As negotiations for the UK's separation from the European Union gradually progress, the whispers of worried EU nationals are becoming increasingly louder and, with the uncertainty of EU nationals' rights, employers seem to be taking a vow of silence.
As 29 March 2019 draws closer, the pressure is on for Theresa May to agree on a deal that works for all. In recent weeks, the UK prime minister has promised that the offer for EU citizens will be 'generous' and families will not be split up.
The good news is that, in recent proposals, it appears that there will be an option for current EU nationals residing in the UK to apply for a 'settled' status, giving applicants the same 'indefinite leave to remain' status as is currently held by many non-EU nationals who have lived in Britain for five years. The Chartered Institute of Personal and Development has revealed that nearly nine out of ten HR practitioners say securing 'settled' status would help their EU staff commit to staying in their current employment.
Be warned - as with any type of visa application, if you are an EU national, you will need to jump through a few hoops. You will be required to complete a 15-page form (if you were one of the unlucky 150,000 applicants that filled in the current gruelling 85-page form, you will have to re-apply under the new form), and prove UK residency from a certain date, which will have to be a minimum of 5 qualifying years. Wages and income information will be gathered from the Department of Work and Pensions to help prove residency (if EU nationals were self-employed, this could be tricky) and if you are planning to bring family over, it could become even more complicated.
Currently, EU nationals are exempt from any type of minimum income threshold, but the new policy paper reveals there will be a £18,600 income threshold to bring over family members. This means that EU nationals would lose their entitlement to be joined by their family members and would need to undergo a financial means test.
Once 'settled' status is granted, EU nationals will have access to public services such as health care, schools, public funds and pensions. British citizenship will also be available if applicants meet the requirements.
How can employers help?
HSBC is moving seven of its offices out of London to Paris to avoid disruption over Brexit and to diminish the chances of being caught in a labour trap. There are now more resources available which can help EU workers to obtain 'settled' status, if they qualify. There is also a new toolkit for employers which has been launched by the Home Office, to help employers communicate the facts to their employees, as well as steps on how to apply for 'settled' status. EU citizens can apply voluntarily before Brexit however, the application process officially opens at the end of 2018. Employers should start making their current EU national workers aware of the changes now, so there are no surprises later down the line. EU nationals will have until 30 June 2021 to apply, but after that they will lose the right to claim a 'settled' status.
To discuss how Brexit may affect your employees, please get in touch.
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usbfoot » Electronic » Everything But The Girl - I Didn't Know I Was Looking For Love E.P.
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Lyrics to "I Didn't Know I Was Looking For Love" song by Everything But The Girl: I was alone thinking I was just fine, I wasn't looking for anyone to be mine I thought that love . .So we build from here with love the foundation In the world of tears, one conselation Now you're here and there's a full brass band Playing in me like a wonderland But if you left I would be two foot small And every tear would be a waterfall Soundless, boundless, I surround you I didn't know I was looking for. love until I found you. I just didn't know. I didn't know I was looking for love until I found you I didn't know I was looking for love until I found you I didn't know I was looking for love I didn't know I was looking for love.
Artist: Everything But The Girl. Translations: Dutch, German, Greek, Serbian. I Didn't Know I Was Looking For Love. I was alone thinking I was just fine, I wasn't looking for anyone to be mine. I thought that love was just a fabrication, A train that wouldn't stop at my station. Home, alone, that was my consignment, Solitary, confinement.
I Didn't Know I Was Looking for Love" is a song written by Ben Watt and Tracey Thorn of Everything but the Girl. The song was originally released by them in 1993 as a track on the EP of the same title reaching number 72 in the UK Singles Chart. It has been covered by Meja in 1996, Karen Ramirez in 1998, Jay Lopez in 2004 and by Sitti Navarro in 2006. The song was covered by British singer Karen Ramirez and released as her second single in 1998 with the shorter title of "Looking for Love".
15. 16. The Only Living Boy In New York. EP, 1993, Warner Music Group, Blanco Y Negro. 1. 2. My Head Is My Only House Unless It Rains. Political Science. The Best Of Everything But The Girl. Compilation, 1996, Warner Music Group, Blanco Y Negro.
Sheet Music and Tabs for Everything but the Girl. Everything But the Girl (EBTG), was a Hull, Yorkshire, UK, folk-pop, trip-hop duo of Ben Watt and Tracey Thorn. They débuted with a single for a Cole Porter cover, Night And Day (Mar 1982, Cherry Red). Their final album was Temperamental (Sept 1999, Virgin). Ben met Tracey when they were at Hull University and she was singing in pop girl-band Marine Girls. Ben contributed a photograph, for a forthcoming album cover, after which, the pair became partners (later getting married).
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Social Media - Whats Your Favourite Security Answer?
We all have seen these type of posts on Facebook before.
Find your ##### name. Add your firsts pets name with your mother's maiden name. Post your ##### name in the comments and forward to all invite friends to find out theirs.
This seems very harmless to most however this is the first stage of social engineering. What's that I hear you ask. Well this is the process of finding out personal details about you that will help to gain illegal access to your personal data.
If this is a revelation to you then I would advise reading on. These types of posts are monitored by keywords so these answers can be pulled back from any replies. If you reply to a message from someone that has their profile publically viewable, your answers become viewable also. This allows anyone to filter on this content and will return your name and 2 pieces of your generic security details.
From these small pieces of data you are potentially exposed. Hackers will save this information and try to track you through your other social media content on public spaces like Instagram and LinkedIn. Using these services to build a profile and reviewing areas that can be exposed.
So how do they target the masses with these information gathering exercises. Well it starts by setting up a fictitious Facebook account. Then adding themselves to groups with high a volume of users (Fan sites for example). Then the posts start with something engaging like "What's your favourite album?" or something specific to the group. This is used to test the facebook users that are most likely to engage and are active. Anyone that either answers or forwards then gets added to a hackers warm list. These are the people most likely to help propagate their security information gathering posts. So each one is checked to see if they have a public open profile and the engineering begins. These are now moved to the Hot list for future targeted distribution.
If this sounds like you are one of these prime Hot List targets, then be aware that all that reply to your posts are now automatically a potential warm list user for the next wave of targeting.
What was your first street name?
And so on. When enough information about a person has been collected these are now selected for advanced targeting. We will not explain how these actions can be done as this would be irresponsible.
I hope that as a minimum this has highlighted why these posts exist and why they should not be forwarded or replied to.
I addition to this there are other advisory points we would like to share.
Run Mapping and distribution – Be careful as most people start from home and do you want everyone to know where you live?
Going on Holiday – Posting pictures of your holiday is all very good however you are also highlighting you are away. If your address is plain to see from using the above methods, then you are raising risks of unwanted visits. Our advice put them up when you get home.
The biggest words of warning are Think before you post personal details.


All equipment facilities installed on DEPO X7SBi are listed below. In order to facilitate the search for the necessary driver, choose one of the Search methods: either by Device Name (by clicking on a particular item, i.e. Intel(R) ICH9 Family Thermal Subsystem - 2932) or by Device ID (i.e. PCI\VEN_8086&DEV_2932).
DEPO X7SBi laptop features 8 devices.


Who was Rafi Eitan, and how did the Mossad spy who captured Adolf Eichmann die?
RAFI Eitan, an Israeli spy who helped capture Adolf Eichmann, died aged 92.
We explain who he was and what he accomplished. Here's what we know.
Rafi Eitan was an Israeli politician and intelligence officer.
He was born on November 23, 1926 in Ein Harod, Israel (then-Palestine) to Zionist immigrants from Russia.
His father was a poet and his mother was a social activist.
Eitan was one of four children.
During World War Two he helped the illegal immigration of Jewish refugees from Europe who were fleeing Nazism into Palestine.
He was one of the founders of Israel's vaunted intelligence community Mossad and among its most prominent figures in Israel and abroad.
He died on March 23, 2019 at Ichilov Hospital in Tel Aviv.
He was married to his wife Miriam, with whom he had three children.
Eitan is most famously known for capturing Holocaust mastermind Eichmann in Argentina and bring him to trial in 1960.
It was the Mossad's most historic mission and remains one of the defining episodes in Israel's history.
What has Israel's leader said of Eitan?


JWC campus is located on strategic location at the heart of the Kebayoran Baru residential area, within reach of the 'Golden Triangle' business areas of Sudirman-Thamrin-Kuningan. It is only a stone's throw away from Plaza Senayan and is right next door to Senayan City. This modern and smoke-free campus – established on an area of 4000sqm and building area 17000sqm – has 24 lecture rooms, 6 of which are theatre style with tiered seating. Each room has an LCD Projector, and its computer equipped with internet connection. A range of books and CD-ROMs are available in the library, together with a pioneering self access centre. There are 3 sophisticated computer laboratories, and discussion areas with supporting furniture and direct wi-fi internet connection. The JWC campus also has a cafeteria, bookstore, Daily bread, mushola and Executive Meeting Room and a 3 floor basement parking lot for 243 cars and 150-motorbike.
For security reason, JWC campus also equipped with 43 CCTV spots which scattered around from B3 to 4th floor and also round-the-clock security.
BAS (Building Automatic System) has also been installed in the building to facilitate technical units operation, such as Ligting, AC, Plumbing, etc.


The following is a list of episodes for the American science fiction drama Eureka. In addition to the regularly televised episodes, there is a short webisode series called "Hide and Seek", which is available on Syfy's Eureka homepage.
The episodes in the first season were not aired in the order intended by the show's creators. Thus, there are some small inconsistencies, but such inconsistencies are minimal and were intentionally controlled. In podcast commentaries, the show's creators and star Colin Ferguson confirm that the production order was in fact the order in which they intended the show to air, but the network executives changed the order to try to place stronger episodes earlier in the run to help attract viewers.
The creators were able to make minor changes in editing and sometimes dubbed dialogue in later episodes (for instance, they removed the explicit mention of Zoe's first day at school) to minimize audience confusion.
As of July 16, 2012, a total of 77 episodes of Eureka have been aired over five seasons. A fifth season was announced on August 17, 2010, consisting of 13 episodes. On August 8, 2011, Syfy announced that season 5 would be the final season. On February 16, 2012, Syfy announced that the show's fifth and final season would premiere on April 16, 2012.
Primal is an action-adventure video game released in 2003 for the PlayStation 2. It was developed by SCE Studio Cambridge. It tells the story of Jennifer Tate, a 21-year-old woman searching for her boyfriend through a series of demonic realms. As the story develops, more is revealed about Jen's past and her relationship with her boyfriend, as well as the nature of the demon worlds.
The game was composed by Bob and Barn (Paul "Bob" Arnold and Andrew Barnabas).
The game received "average" reviews, according to video game review aggregator Metacritic.


With the winter months behind us, it's time to get ready for Easter! Easter is the perfect time of year to get creative and add a few homemade items to your home decor. We've put together 5 gorgeous ideas - all using regular eggs - to get you started. These pretty eggs will look beautiful as a centrepiece for an Easter dinner, or displayed in a glass vase atop a coffee table.
These eggs are simply adorned with paper flowers. You can purchase these at craft stores or make your own using a flower-shaped hole puncher. Using a dab of all-purpose glue, secure the flowers to the surface of the egg. Leave to dry completely before displaying.
Sky egg CRATE, Anthropologie; Sandstone CHEESEBOARD, Indigo.
To make these black and white eggs, paint your eggs using matte all-purpose paint. Once the paint has completely dried, add polka dot stickers to the outer shell of the eggs in a regular pattern.
To make these Easter eggs, start by adding a few drops of food colouring to a bowl filled with cold water. Test the colour by dipping a piece of paper in the water and add more colouring if needed. Place a few elastics around each egg in a whimsical pattern, making sure they hold tightly around the egg. Gently add the eggs to your dye. Turn the eggs over to ensure that they are evenly coloured.
Remove from the water and leave to dry. Once the eggs are completely dry, remove the elastic bands to reveal your pattern.
These eggs would make a wonderful addition to an Easter dinner as tabletop decor. Simply paint some eggs using turquoise paint and cover others using patterned tape. We love the monochromatic look of this set - which would also look lovely paired with yellow or pink hues.
These glittery Easter eggs take minutes to put together and are sure to add a little pizzazz to your tabletop decor. Simply cover each egg with a thin layer of all-purpose glue and then place in a sealable plastic bag filled with gold glitter. Close the bag and shake. Gently remove the egg, tap off excess and leave to set.
For another metallic look, cover a few eggs using patterned gold tape.


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Principal Dividend Yield Fund: Best Performing Dividend Yield Mutual Fund in last 5 years
Aug 13, 2018 by Dwaipayan Bose | Comments | 29 Downloaded | 5313 viewed | | | 3.0 | 10 votes | Rate this Article 3.010
Picture courtesy - UNSPLASH
As part of SEBI's directive on mutual fund scheme rationalization and re-classification, some new scheme categories have been created to help investors understand the investment characteristics of different mutual fund schemes and make informed investment decisions. One such new equity mutual fund scheme category is "Dividend Yield Funds". Previously these mutual fund schemes used to be categorized as diversified equity funds, multi-cap or midcap funds, but the new category definition will help investors understand the special characteristics of this type of mutual funds. Before we discuss what dividend yield funds are, let us understand the term dividend yield.
Dividend yield is the dividend per share paid by a company in a year as a percentage of the share price of the company (Annual dividends ÷ Current share price). Suppose the share price of a company is Rs 100. The company declares a dividend of Rs 10. The dividend yield will be Rs 10 ÷ 100 = 10%. Dividend yield of a stock should be compared to dividend yields of other stocks in the same sector. Dividend yield funds invest in high dividend yield stocks.
Why invest in high dividend yield stocks?
Equity investments are made with the objectives of income (through dividends) and capital gains (share price appreciation). Investors with higher risk appetite prefer capital appreciation, whereas investors with more moderate risk appetites prefer periodic income in form of higher dividends. Stocks which pay high dividends are essentially returning a portion of the capital to the investor on a periodic basis. Through the length of the investment tenor, investor's risk in high dividend yield stocks reduces over time as a portion of the investment is paid back to the investor in form of dividends, leaving a smaller portion at market risk.
High dividend yield stocks find favor with investors in volatile markets, since investors receive cash-flows even when the share price corrects (falls). High dividend yield stocks are good investment options when equity valuations are high because these provide a margin of safety to investors when the market turns volatile because net downside is limited by high dividends. Hence, these stocks are seen as value stocks. They provide a Dividend yield and are good investment options for investors, who dislike high volatility and want some degree of stability in their investments.
Principal Dividend Yield Fund
Principal Dividend Yield Fund is the best performing dividend yield fund in the last 5 years. It is also the best performing dividend yield fund in the last 3 years and last 1 year respectively (please see the chart below).
Source: Advisorkhoj Research
The fund was launched in 2004 and has Rs 146 Crores of assets under management (AUM). The chart below shows the annual performance of the fund versus its benchmark and the dividend yields fund category over the last 5 years. The performance of the fund in 2017 was stellar.
Dhimant Shah has managed this fund for the last 6 years. His tenor as the fund manager coincided with the best performance period for this fund. The chart below shows the NAV growth of the fund over the last 5 years.
Rolling Returns
Rolling returns show how a mutual fund scheme has performed versus its benchmark across different market conditions. The chart below shows the 3 year rolling returns of the scheme versus its benchmark over the last 5 years; we have chosen the last 5 year period because it coincides with the tenor of the current fund manager. You can see that the fund manager was able to beat the benchmark most of the times.
Source: Advisorkhoj Rolling Returns versus Benchmark Returns
Let us now see, how the scheme performed versus its peer dividend yield fund schemes. The chart below shows the 3 year rolling returns of the scheme versus the dividend yields fund category. Again you can see that the scheme was able to outperform the dividend yield funds category most of the times in the last 5 years. The outperformance was particularly strong in the last 1 to 2 years.
Source: Advisorkhoj Rolling Return versus Category
The average 3 year rolling return of Principal Dividend Yield Fund over the last 5 years is 15.5%, while the median 3 year rolling return of the fund over the same period is 14.5% - both higher than the category average. The maximum 3 year rolling return of the fund over the last 5 years is 23.7%, while the minimum 3 year rolling return of the fund over the same period is 11.3%. This shows strong performance consistency and stability, for which the fund manager must be complimented. The chart below shows the performance consistency at various levels of returns.
The fund manager has a large cap bias – large cap stocks account for 65% of the portfolio. The fund manager's large cap bias is a sensible strategy in our opinion because midcap and small cap valuations in general have been stretched for quite some time. At the same time the fund manager is overweight on midcap relative to the benchmark index; in the longer term, this may help the fund manager deliver higher alphas to investors. The fund is well diversified across different sectors. The fund is also well diversified from a company concentration standpoint –
Lump Sum and SIP returns
The chart below shows the growth of Rs 1 lakh lump sum investment in Principal Dividend Yield Fund (Growth Option) in the last 5 years. Your lump sum investment of Rs 1 lakh in the scheme would have grown to Rs 258,750 in the last 5 years (period ending August 8, 2018), comfortably beating the benchmark index.
The chart below shows returns of Rs 5,000 monthly SIP investment in Principal Dividend Yield Fund (Growth Option) in the last 5 years. Your cumulative investment in the last 5 years would have been Rs 3 lakhs, while the value of your investment would have been Rs 467,421 (as on August 8, 2018) – annualized SIP return (XIRR) of more 17%.
Principal Dividend Yield Fund has had a terrific 5 year performance run. The strong rolling returns of this fund displays high level of consistency of performance and at the same time, the fund manager has generated high alphas creating wealth for investors.
The dividend yield funds as a product category certainly holds a lot of appeal for investors who want equity returns in the long term but are uncomfortable with high volatilities. After a period of volatility in the earlier part of the year, the market has stabilized and resumed its upward trend. However investors, who are wary of volatility, should also take a note of valuations – Nifty valuation is at an 8 year high. So another round of volatility in the market cannot be ruled out in the near to moderate term.
We had discussed earlier that, dividend yield funds are excellent investment options in times when valuations are high – Principal Dividend Yield Fund is one of the best performing funds in this category. Investors should consult with their financial advisors if Principal Dividend Yield Fund is suitable for their investment needs.
Mutual Fund Investments are subject to market risk, read all scheme related documents carefully.
Tags - Mutual Funds


Looking for flights to Grand Canyon from your destination? Search for deals on airfare at flightsbird.com and book your next flight with flightsbird.com. Flightsbird.com lets you search across the largest number of airlines and Grand Canyon flights, which means that you'll be able to find a great flight deals. Our simple-to-use flightsbird booking engine makes looking for terrific bargains easy and hassle-free; just enter your travel dates and departure city, and let Flightsbird.com do the rest! Adjust your travel dates and explore connecting flights to find an even better deal on your Grand Canyon flight!


Phew, it is pretty insane what can happen in 9 days.. But it has all happened and now the ball that is my life is back rolling full steam. Hope everyone had a wonderful xmas and I hope the video below provides some great laughs to end a great year!


I have sold a property at 135 Batson DR in Aurora.
Attention Renovators: Great Possibilities Await You. Great Location, Excellent Schools, & Close To Transit & Parks. Home Is Approx. 1444 Sq Ft (Mpac). Good Size Yard With Deck Across Rear Of House. Some Updated Windows & Updated Garage Door. Ceramic Tile Entry With Interior Access To Garage. Main Floor Powder Room. Master Bedroom With Semi-Ensuite With Separate Sink Area. (Jan 2014) Broadloom On 2nd Floor. Neutral D?cor On 2nd Floor.


CoreOS is a lightweight operating system based on Linux, and designed for implementing container environments like Docker. It is especially adapted to cluster environments, and can easily be integrated into deployment and automatic resource management systems (Puppet, Kubernetes etc.).
It's an open-source operating system. You can access the different components through GitHub.


Follow fortune hunters and famed occultists Wakefield and Hollander on some of their most memorable adventures, as they explore the arcane and discover the depths of their humanity. These 8-page mini adventures are posted monthly online and are 100% free.
During the Rapture, only a select few floated to the Neverending Party upstairs. The rest fled underground or to the mountains in a world seized by Satan and his demonic forces. Two thousand years later – everyone got bored. Lucifer retired and the leaderless demons settled into burnt-out cities, working odd jobs to pass the time in what's now called "The Strange." That brings us to John Scrubber, an outcast from his underground settlement, left to fend for himself with his best and only friend – Gog, a pig demon. He wanders amid the apocalyptic Wild West, trying to find salvation any way he can.
Detroit-area volunteer fireman David Kane has unknowingly been marked to be the man who kills the second coming of Christ. His life soon spins out of his control after a routine call to a house fire turns into a journey to a dimension filled with demons. When he is sent back, David struggles to fully understand how he has become entangled in a plot that has replayed itself over and over for nearly two thousand years. All the while, he must hold his family together and stay one step ahead of the secret societies, religious factions, angels and demons that would see him dead.
Youth is Sweet is a six-issue limited series that follows sexagenarian Eldon Finch as he tries to reconnect with the surviving members of his Cold War-era covert ops group, SPECTRUM. Together they desperately try to discover how the government discovered they were alive some 30 years after faking their own deaths as they stay one step ahead of a murderous new breed of Government Black Ops soldiers bent on silencing them once and for all.


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Published On: Tue, Jul 21st, 2020
Entertainment News | By Ayushman Rajawat
The Best Psychological Thrillers To Watch This Weekend
There is something about some of the best psychological thrillers that other kinds of movies cannot match. They provide a class of horror that is even scarier than fully-fledged horror flicks.
They are filled with interesting and complicated characters, high suspense, and intriguing interpersonal relationships. There have been some best psychological thrillers in Hollywood that take the cake for being some of the best suspense thriller movies.
There have always been some great psychological thriller movies in the industry. From the classic, Hitchcock thriller, Psycho, all the way to the comparatively newer Scorsese movie, Shutter Island, these mind-bending movies continue to surprise us with their over the top turning points and suspenseful storytelling.
Today, we have sorted out some of the best mind bending movies in our opinion that you must watch if you are a fan of such mind-bending movies.
In This Article hide
1 The Silence of the Lambs (1991)
2 Se7en (1995)
3 The Sixth Sense (1999)
4 The Shining (1980)
5 Shutter Island (2010)
6 Psycho (1960)
7 Fight Club (1999)
8 Vertigo (1958)
9 Nocturnal Animals (2016)
10 Ex Machina (2014)
11 Taxi Driver (1976)
12 American Psycho (2000)
13 Gone Girl (2014)
14 Conclusion
Image Credits: Orion Pictures
Critics heavily acclaimed this movie adaptation of the novel by the same name all over the world. In fact, it swept five Oscars in 1992's academy awards.
The movie follows a young FBI agent Clarice Sterling who is looking to catch a deadly serial killer with the help of Dr. Hannibal Lecter, who himself is an incarnated serial killer.
Image Credits: New Line Cinema
This noir film by David Fincher follows homicide detectives William Somerset (Morgan Freeman) and the young one David Mills who are both seeking a sociopathic serial killer. The said killer is skilled in following the acts of the Bible's seven deadly sins to commit brazen and bizarre murders.
Image Credits: Buena Vista Pictures
This movie is nothing short of a masterpiece. It features an eight-year-old kid who is able to watch and communicates with ghosts. In order to fix him, a successful child psychologist seeks the reasons behind this condition. The movie won two Oscar nominations and is one of the best psychological thrillers.
Image Credits: Warner Bros.
The Shining is a movie adaptation of a novel form the legendary horror novelist Stephen King. Stanley Kubrick's movie has almost every single thing that makes an ordinary psychological movie a great one.
It has amazing acting, is riveting, and hell scary. Jack Nicholson's Jack Torrance is a recovering alcoholic and an aspiring writer. He tries to get closer to his family by working as a winter caretaker. He loses his mind after a recurring snowstorm.
Image Credits: Paramount Pictures
Veteran gangster movie director Martin Scorsese comes through with this psychological thriller. Shutter Island involves two federal marshals who travel to an island-bound island to find a murderer who has escaped from the criminal asylum.
The movie is very carefully written and shot under the vision of Martin Scorsese. The ending really changes your perspective about the whole movie. Overall it is one of the best mind-bending movies of all time. Not to mention the brilliant performances by Leonardo DiCaprio and Mark Ruffalo.
This Alfred Hitchcock masterpiece is widely considered one of the best psychological movies of all time. Moreover, this is the movie through which Alfred Hitchcock was able to pave the way for the acceptance of sexuality, deviant behavior, and violence in American Cinema.
This movie revolves around the real-estate secretary Marion Crane who flees to California with the cash that she was meant to take to the bank. On her way, she stops at the Bates Motel, and meets the boyish proprietor Norman bates.
Image Credits: 20th Century Fox
This is another one of David Fincher's movies on this list. You may have already heard about Fight club as it is easily one of the most famous movies in this list. This movie is also based on the 1996 novel by Chuck Palahniuk.
This movie involves an anonymous protagonist (Edward Norton) who, along with a badass anarchist soap maker Tyler Durden invents a men's-only fight club to cope up with their life stresses.
The popularity of this underground club increases over time and leads to psychological effects on the two guys' relationship.
Alfred Hitchcock is dubbed as the "Master of Suspense" due to a huge number of awesome psychological movies he has made. Vertigo is another such noir movie that follows John "Scottie" Ferguson played by James Stewart, who retires from his duty due to him being suffering from Vertigo.
Things get complicated when he gets on the road to find his friend's wife. Just like most of Hitchcock's flicks, Vertigo is at once weird, suspenseful, glamorous, and romantic.
Nocturnal Animals (2016)
Image Credits: Focus Features
This Tom Ford's 2016 flick is based on a novel by Austin Wright called Tony and Susan. The movie follows two separate plot-lines.
It all begins in Los Angles when an art gallerist Susan Morrow (Amy Adams), is asked by her ex-husband Edward Sheffield played by the brilliant Jack Gyllenhaal, to look at his latest book manuscript. Susan is shocked by the content as it is way too violent and murderous.
Image Credits: Universal Pictures
This is slightly different from the rest of the movies mentioned here. It is a science fiction movie that revolves around a young programmer Caleb (Domhnall Gleeson), who gets an opportunity to spend a whole week with the CEO of the company he works for, Nathan (Oscar Isaac) on the mountains.
Over there, he becomes part of a scientific experiment where he has to interact with the world's first a humanoid robot, which is a powerful artificial intelligence machine.
Image Credits: Columbia Pictures
This is another Martin Scorsese movie that follows a Vietnam War-vet Travis Bickle played by Robert DeNiro. Bickle is an insomniac, lovelorn, and mentally unstable taxi driver in New York.
Due to lack of sleep, he gets increasingly sicker and develops a criminal element. It is one of the best psychological movies by Martin Scorsese, who is not new to this grim genre.
American Psycho (2000)
Like most of the other suspense movies on here, American Psycho is also based on the 1991's novel by Bret Easton Ellis. It revolves around Patrick Bateman (Christian Bale), who is a wealthy investment banker by day and a serial murder by night. This movie is a must-watch for fans of Christian Bale.
This 2014 psychological movie is based on a novel by Gillian Flynn. The story of Gone Girl revolves around a couple where the husband becomes a key suspect after his wife Amy goes missing on their fifth wedding anniversary.
Although not as mind curving as some of the Hitchcock films, it still is a great watch with interesting twists and turns.
The popularity of psychological movies is in full swing right now. Directors like Christopher Nolan and Martin Scorsese are coming up with good psychological movies that are getting a lot of attention.
However, the movies mentioned above are the best psychological thriller movies of all time, in our opinion.
Again, your opinion can completely be different from ours as there are hundreds of great mind-bending movies for your watch, and entertainment is highly subjective.
So, do you agree with our picks? Do let us know in the comment section down below.
Ayushman Rajawat -


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Muhammad wins 400m hurdles gold with world record
Issued on: 04/10/2019 - 21:21
Doha (AFP)
Dalilah Muhammad of the United States set a new world record as she powered to victory in the 400 metres hurdles at the World Championships on Friday.
Olympic champion Muhammad took gold with a time of 52.16 seconds at the Khalifa Stadium, bettering her own world record of 52.20 set at the US Trials in Iowa in July.
Sydney McLaughlin, also of the United States, took silver with a time of 52.23 while the bronze medal went to Rushell Clayton of Jamaica in a time of 53.74.
Muhammad and McLaughlin have battled across the season for dominance in the event, with McLaughlin winning the Diamond Trophy in Zurich and also scoring a victory over Muhammad in Oslo earlier this year.
But Muhammad, who had broken a 16-year-old world record with her victory at the trials in July, was in no mood to let her 20-year-old compatriot prevail on Friday.
The 29-year-old Muhammad, drawn in lane six, blazed away from the start, hurtling down the back straight at a blistering pace.
Coming off the final bend Muhammad had taken a narrow lead of a few metres and it seemed as if McLaughlin would reel her in.
But as the finish line beckoned Muhammad kicked hard and held off McLaughlin for the gold.
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