Teaching a fitness class can be highly rewarding because it allows you to earn a living or supplemental income while sharing your passion with others and improving their physical and mental health, all while maintaining your own fitness. Whether you decide to teach aerobics, yoga, strength training, indoor cycling, Latin dance or some other fitness discipline, creating a high-energy environment, staying approachable and making the exercise look easy and natural will increase your membership numbers quickly.
Gain a group fitness instructor certification from an official fitness organization such as the American Council on Exercise. This will prepare you to teach many disciplines of physical fitness by providing detailed instruction in exercise physiology, class design, instructional techniques, cueing, injury prevention, kinesiology and anatomy.
Choose a fitness discipline that you have significant experience in and that you feel passionate about sharing with others. Avoid the temptation to teach an exercise type that you're less familiar with just because it represents a current trend and will attract many members.
Design your fitness classes and practice them by yourself well before teaching them. Your ability to gain and maintain membership will partially depend on your understanding of the individual exercises you're teaching and your ability to convey the correct performance of those exercises in a way that's natural, fluid and easily understood by your class.
Identify the experience and fitness level of your students and base your instruction around this. If you're teaching a strength-training class to intermediate and advanced bodybuilders, for example, it would likely be redundant and unnecessary to explain how to properly grip a barbell and perform the flat bar bench press exercise. Similarly, it would make little sense to ask a group of severely obese students to follow along with a high-intensity cardio routine when low-intensity cardio would be more appropriate at first.
Remove the mystery associated with the exercise. As you're performing each move, explain why it's beneficial, how to perform it with the correct form, how to avoid injury and how it can be adapted for those with physical limitations. Observe your students to ensure their understanding of the move before continuing on to a new one.
Connect with your students on a more personal level to enhance their enjoyment of the class, as well as what they take away from it. Field questions during a break in the class and at the conclusion of formal instruction.
Fitness Motivators: Want to Teach Group Exercise?


Direct flights between Russia and Egypt are about to resume, according to Russian Foreign Minister Sergey Lavrov. They will start shortly in accordance with air safety, said Lavrov after meeting with his Egyptian counterpart Sameh Shoukry.
According to Lavrov, Cairo responded positively to Russia's recommendations for airport and flight security.
"We have agreed that measures will be taken to speed up the process. Egypt was, probably, the most popular destination among Russians, and we want this to continue," said the Russian Foreign Minister.
"We appreciate the cooperation between Russian and Egyptian civil aviation services and other competent authorities aimed at completing the procedures, which will allow to resume direct air communication," Lavrov added.
Moscow banned flights to Egypt after a passenger airliner operated by Metrojet crashed in the Sinai on route from the Egyptian resort of Sharm el-Sheikh to St. Petersburg in October.
As a result, President Vladimir Putin ordered the suspension of direct air flights to Egypt. The government also requested tour operators stop selling holiday packages to the country.
Prior to the ban, Egypt was one of the most popular international destinations among Russians along with Turkey.
Egyptian Prime Minister Sherif Ismail said in February that Egyptian tourism had lost about $1.3 billion since the crash. According to Foreign Minister Shoukry, four million Egyptians, working in tourism, are waiting for Russian tourists to come back.


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Privacy and Access
Notice of Collection
Common University Data Ontario
Registrar's Report
Cyclical Program Review
Privacy and Access at Laurier
The main role of Laurier's Privacy Office is twofold:
Provide public access to university records and information.
Protect the personal privacy of the university community in compliance with Ontario's Freedom of Information and Protection of Privacy Act (FIPPA) and the Personal Health Information Privacy Act (PHIPA).
The Privacy Office provides assistance and advice to the university community regarding FIPPA and university policies relevant to access and privacy.
Note: Students, applicants and others who give personal information to the university should read our Notice of Collection, Use or Disclosure of Personal Information.
Laurier sometimes uses cookies for the use of remarketing services (advertising based on visits to previous webpages), and for analytics. No personal or identifying information is gathered or transmitted with this cookie.
You can opt out of cookies by changing your browser settings or permanently using a browser plugin.
University Privacy Policies
Laurier's guidelines in policies "10.1 Information Availability and Privacy Protection," "10.2 Student Records" and "10.3 Responsible Use of Video Surveillance Systems" provide rights to access and limitations to the collection of information.
You will find, among other things, that subject to a few exemptions, the university's privacy policies give every member of the faculty, staff and student body of the university access to records containing their personal information. An individual may request access through the office that holds his or her personal information. An individual may also request correction of his or her personal information where the individual believes there is an error or omission and reasonable proof can be provided to substantiate the error or omission. The university's guidelines also restrict the collection and use of personal information. The university undertakes to collect and record only such personal information about an individual as is either reasonably necessary to the proper administration of the university and its academic and other programs, or is required by virtue of data collection or reporting requirements lawfully imposed upon the university, as noted in the Notice of Collection, Use and Disclosure of Personal Information.
FIPPA PHIPA Ontario Information and Privacy Commissioner (IPC)
E: privacy@wlu.ca

redpajama_set_name: RedPajamaCommonCrawl


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Search Research
Penn State » Ag Sciences » PlantPath » Research » Faculty Labs » Roossinck Lab » Story Core Interviews
Roossinck Lab
Story Core Interviews
Can We Live in a World Without Microbes?
Interviews with prominent scientists conducted as PPEM 454 Virus Ecology class projects.
Samuel D. Rabkin
Penn State B. S. student Sherveen Karbasiafshar interviewed Dr. Samuel Rabkin, Thomas A. Pappas Professor in Neurosciences, Department of Neurosurgery (Microbiology & Immunobiology), Harvard Medical School, Boston, MA.
Suresh Kuchipudi
Penn State M.S. student Gitanjali Bhushan interviewed Dr. Suresh Kuchipudi, Clinical Associate Professor in the Department of Veterinary and Biomedical Sciences at Penn State.
Sandra Quackenbush
Penn State Ph.D. student Chauncy Hinshaw interviewed Dr. Sandra Quackenbush, Associate Professor and Associate Dean for Academic and Student Affairs at Colorado State University
Ann C. Palmenberg
Penn State B.S. student Annalise Jethon interviewed Dr. Ann C. Palmenberg, Professor of Virology and Biochemistry at the University of Wisconsin-Madison.
Sir David Charles Baulcombe
Penn State Visiting Associate Professor Juan José López-Moya interviewed Sir David Charles Baulcombe, Royal Society Research Professor and Regius Professor of Botany at the University of Cambridge.
Penn State B.S. student Alan Yocca interviewed Dr. Andrew Read, Evan Pugh Professor of Biology and Entomology, Eberly College of Science Distinguished Senior Scholar and Professor of Biotechnology at Penn State.
Forest Rohwer
Penn State Ph.D. candidate Joseph T. Walls, III, interviewed Dr. Forest Rohwer, Professor, Dept. of Biology, San Diego State University.
Eugene V. Ryabov
Penn State B.S. student Erica Krieger interviewed Dr. Eugene V. Ryabov, Data Analyst, Director, ER Healthcare Consulting Ltd.
Paul Turner
Penn State B.S. student Giovanna Marino interviewed Dr. Paul Turner, Professor and Chair of Ecology and Evolutionary Biology at Yale University.
Frederick E. Gildow, Jr.
Penn State Ph.D. candidate Kaixi Zhao interviewed Dr. Frederick E. Gildow, Jr., Professor Emeritus, Dept. of Plant Pathology and Environmental Microbiology at Penn State.
Rusty Rodriguez
Penn State B.S. student Derek McKee interviewed Dr. Rusty Rodriguez, Founder and CEO, Symbiogenics, Seattle, WA.
Eugene V. Koonin
Penn State Postdoctoral Scholar Paolo Margaria interviewed Dr. Eugene V. Koonin, Senior Investigator, National Center for Biotechnology Information, Bethesda, MD.
Carol D. Blair
Penn State Ph.D. student Rebecca Johnson interviewed Dr. Carol D. Blair, Professor, Dept. of Microbiology, Immunology, and Pathology, Colorado State University.
Fernando García-Arenal
Penn State Research Technologist Rimnoma Serge Ouédraogo interviewed Dr. Fernando García-Arenal, Full Professor of Plant Pathology at Universidad Politécnica de Madrid (UPM) and Director of the Centre for Plant Biotechnology and Genomics UPM-INIA (CBGP).
Beatrice H. Hahn
Penn State Ph.D. student Edelio Rivera Bazán interviewed Dr. Beatrice H. Hahn, Professor of Medicine and Microbiology at the University of Pennsylvania.
Mya Breitbart
Penn State Ph.D. candidate Christopher Smyth interviewed Dr. Mya Breitbart, Associate Professor of Biological Oceanography at the University of South Florida.


LEE JONG SUK Confirms Enlistment Date! - MYX | YOUR CHOICE. YOUR MUSIC.
LEE JONG SUK Confirms Enlistment Date!
The time has come for Lee Jong Suk to bid his temporary goodbye.
On March 8, the W: Two Worlds actor will enlist as a public service agent since he is deemed unfit to be an active soldier after being involved in a car accident when he was 16 years old.
Jong Suk has wrapped filming of his ongoing drama Romance Is A Bonus Book. We'll be waiting for you, oppa, whether you ask for it or not.


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The Congress will be held at the Avison Biomedical Research Center (ABMRC), Yonsei University Severance Hospital, in Seoul, Korea. This building is located within the Severance Hospital complex, indicated on the map below.
Exit Information
Sinchon Station
(Seoul Subway Line #2) Exit no.2 (Yonsei University , Severence Hospital Direction)
Exit no.3 (Yonsei University, Korea Cyber University Direction)
Bus Number
Yonsei University /
Infront of Yonsei
University / blue bus 153, 163, 171, 272, 470, 601, 606, 672, 673, 700, 707, 710, 750A, 750B, 751
/ green bus 6714, 7737
/ red bus 9714, M6724, M7106, M7111, M7119
/ airport bus 6011
/ general bus 567, 73
/ Reserved seat bus 770, 800
/ Nonstop bus 1000, 1100, 1200, 1900, 2000, 2000-1
Main gate of
Yonsei University / blue bus 163, 171, 172
/ green bus 7017,7713, 7720, 7727, 7728, 7737
/ red bus M6724
/ Public light bus Seodaemun03, Seodaemun04
Infront of
Severence
Hospital Stop
(Center lane) / blue bus 272, 470, 601, 606, 672, 673, 700, 707, 710, 750A, 750B, 751
/ Reserved seat bus 770
Hospital Stop / blue bus 163, 171, 172, 472
/ green bus 7017, 7024, 7713
/ Public light bus Seodaemun03, Seodaemun04, Seodaemun05


Calxpel is a herbal weight loss pill which is designed as a fat burner – burning stored calories and body fats.
Quoted as being 'the latest diet pill you'll ever need to take' Calxpel provides a fast and effective solution to achieving your weight loss by blocking carbohydrates, suppressing your appetite whilst burning fat reserves, and detoxifying your body thanks to the inclusion of Bee Pollen (a natural and potent antioxidant).
Calxpel has been designed to the two main issues that arise when people attempt to lose weight.
Firstly the ability to burn (more effectively) the calorie and fat desposits stored by the body – by increasing the bodies metabolism with Calxpel you'll burn more calories and hence lose weight more quickly and effectively.
Secondly Calxpel reduces the further consumption of fat deposits building up in your system by reducing your hunger – essentially suppressing your appetite and helping you to consume less.
This results in you feeling fuller prior to meal times and also the reduced desire to snack between meals.
By taking 2 tablets at the beginning of your day, Calxpel can help you effectively lose weight from day one and whilst containing all natural ingredients is side effect free and entirely safe.
Priced from just £29.95, Calxpel is an effective, powerful and result driven weight loss pill which, backed with a 30 day money back guarantee from Evolution Slimming provides a risk free and safe method of losing those unwanted pounds you've been so desperate to shed.
Meratol – perhaps the most popular carb blocker currently available to buy.
The formulation is has been developed by one of the most respected pharmaceutical companies in Europe.
Meratol is designed to inhibit the absorption of carbohydrate absorption by over 80% and it is claimed that if taken as recommended you lose approximately 2lb per week.


Robert B. Milligan, Partner and Co-Chair of Seyfarth's National Trade Secret, Computer Fraud, and Non-Compete practice group, just finished co-editing and co-authoring a prominent new California trade secret treatise.
This blog originally appeared in ALM Intellectual Property Strategist.
One year after its enactment, the Defend Trade Secrets Act (DTSA) continues to be one of the most significant and closely followed developments in trade secret law. The statute provides for a federal civil cause of action for trade secret theft, protections for whistleblowers, and new remedies (e.g., ex parte seizure of property), that were not previously available under state trade secret laws. The less than 70 reported DTSA cases to date provide an early glimpse into how courts may interpret the statute going forward and what early concerns about the statute may have been exaggerated.


Esu is commonly spelled, Eshu. Esu is also Elegba in other spiritual systems. He is the owner of the crossroads. He is primarily the energy of segregation. That's not to say that he does not have other purposes. He is also over dexterity, wit, intellect, and chaos. Esu is the emissary and the gateway, what we call the "Onibode". Onibode is the gateway or the gatekeeper to the higher realms going to the other orisha or the other energies we want to get to.
Esu lives within the root chakra. The root chakra is the red chakra view it. No matter where you want to go on the chakra ladder going up the spine, you have to start with the root. You always start from the base. The root chakra grounds us.
Esu is also the holder of aśe. This energy presides over our nervous system. We process aśe through our nervous system. If you look at a chart of the nervous system, it looks like a roadway. Esu is also the owner of the road. But that nervous system needs someone to regulate the amount of energy or power that goes through it or it can overload. So, Esu distributes the amount of aśe that we are able to hold in the moment.
Also as the energy of segregation, Esu ensures that we make certain choices. To either lead us to the gateway of full deityship, or to keep us earthbound. So, a lot of times you'll hear that Esu is a trickster. Oftentimes when we perceive the trickster energy as it is tricking us to destroy us, but that's not really true. Esu makes sure that whatever decision you make, that you really want to make them. Esu gives you the gift and fortune of temptation. Temptation is one of those things that we look at as problematic. But the wonderful thing about temptation is that, it allows us to experience something without having the karmic responsibility of actually going through with it. When we're tempted to do certain things, the reason why it's a temptation and not a draw to actually do it is because a part of you that says you want to do it, and another part that says well this will be the consequence of doing it. So that's why we call it a temptation. I'm tempted and I won't, or I'm tempted and I will. Because I've seen what the outcome will be. This is a gift from your soul. Some lessons you will get through pain. Some lessons you will get through love. Some lessons you will get through wisdom. Temptation is an opportunity to receive a gift through wisdom. This is one of the things that Esu does. He tempts you with something and then gives you a moment to think of the outcome of that action. This is one of the gifts of Esu.


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UKIPO publishes report on IP crime, says collaboration is crucial
Ira Yapanda / Shutterstock.com
Amazon, eBay and Alibaba 'making it easy' for counterfeiters
US agency seizes 'several thousand' IP-infringing websites
Counterfeit drug sites stung in MHRA operation
The UK Intellectual Property Office (IPO) has said in a report that 84% of online marketplace takedowns reported by Trademark and Rightsholders Against Piracy, a trade body, relate to Amazon or eBay-listed websites.
The report, called "IP Crime Report 2015/16", documents the work achieved in tackling intellectual property crime over the last year.
Among the findings in the report, the IPO said that "piracy and counterfeiting do not occur through exclusively illegal sites on the dark web".
The use of widely available and trusted platforms like Facebook, eBay, Amazon and trusted brands like Google, in association with the promotion and distribution of counterfeit products, means that "collaboration" between brand owners and enforcement groups is crucial, the report added.
Further, the report discussed requests to remove infringing content.
It said that between January 2015 and March 2016 the British Phonographic Industry referred 100 million URLs to Google and Bing requesting the removal of infringing search results.
Other IP organisations mentioned are the Federation Against Copyright Theft, which cited the "proliferation" of internet protocol TV sets for a rise in downloading of illegal content, and PRS for Music, which reported new threats to content from 'stream-ripping'.
Stream-ripping is a program used to save streaming media to a file so it can be accessed locally.
The full report can be viewed here.
This was first published on World IP Review.
UK Intellectual Property Office, Trademark and Rightsholders Against Piracy, Amazon, eBay, UKIPO, IP Crime Report 2015/16,


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Are More Missionaries Staying Native?
Peter Brown April 4, 2008 Mormon 25 Comments
I know this is really anecdotal, but almost everyone I know is serving a stateside mission. I have wondering about this situation and wonder (if its true on the aggregate) why this is the case. It would only make sense when you think about it to keep missionaries native. As the church grows and expands, I think it's probably inevitable. Undoubtedly there are benefits to sending Elder Junior to Africa or South America (important optimal Americanism, and multiculturizing the missionary), but there are some benefits to staying home as well. Here are a few:
Money – Plain and simple, it costs most to send someone out of the country, albeit there is a benefit going to a country where the cost of living is lower.
Problems – Easier to relocate a missionary to a service mission if he's an anxious case if he's only in North Dakota. Problems with culture shock are also allieviated.
Language – Let's face it, people learn better in when they can be taught and teach in the same language. I served a multilingual mission, both Enlglish and Haitian. Teaching Americans who spoke English – much easier.
Security – As worlwide security gets more scrutinzed, as America becomes less popular, better to keep the American missionary home where he doesn't have the potential of ticking off the local socialist activits or Muslim cleric.
Health & Safety – Insurance costs, poor American diet, diahhrea in South America, poor law and order. Easier to send missionaries from Africa to Africa. They're used to the local flora and fauna.
We all know of horror stories of battle wounds from missionaries over these things. We've put up with it in the past. With the availability of Latin, European, and African missionaries, why risk the Utah/California boys in other lands? I don't mean this to sound racist; I don't think the policy would be that anymore than it would just be more practical.
I have five nephews on missions currently, and all are in foreign, non-English speaking missions.
Sure, native missionaries would be better for the work.
Andrew Ainsworth
I think it's a function of having a glut of less valiant souls signing up for missions these days.
We all know that the most valiant in the pre-existence are sent to exotic locales like Russa or Thailand. The least valiant are sent stateside to places like Pocatello or Anaheim.
I went stateside foreign-speaking, so I guess that makes me some sort of fence-sitter. 🙂
KC Kern
I served foreign, and my mission president pointed out D&C 90:11:
"For it shall come to pass in that day, that every man shall hear the fulness of the gospel in his own tongue, and in his own language…"
The implication was that by simply learning their words, we could speak their "tongue," but in order to have them taught truly in their own "language," you had to be a native.
The point was to emphasize that native missionaries are much more effective in their own lands. I had a native companion for a few months, and there was a clear difference in the way we worked and were received compared to when it was just two gringos.
John Nilsson
and I went to an overseas comfortable first world European mission, so I'm one level above Andrew in the celestial kingdom. My friends who served in the Philippines are in the uppermost level of the kingdom of course, they got parasites and such.
I get the same impression if I look at the missionaries in my socal ward. Most stay in the states, or go to a Spanish speaking mission overseas. But when I visit my parents and read the local paper, the Herald Journal in Logan, Utah, those missionaries seem to be going all over the world. Is there a geographic bias to mission calls?
Having grown up in North Dakota, I think young missionaries from California experience significant culture shock.
I think staying in the US affected me in a good way (well, I hope so). When I think & talk about my mission, I don't have food horror stories, or embarrassing language mix-ups, or traditional dress…for me, when I think & talk about my mission, it's only gospel stuff bc that's the main thing that was different for me.
Yes, people have great spiritual experiences everywhere, but I think having them in our own language, in neighborhoods that look like ones we live in, with people just like our friends and fam at home, means those skills will be more easily plugged in later. I guess getting used to starting up gospel conversations in line at Target or over the fence in suburbia is a pretty good way to make us braver, more comfortable member missionaries once we're home.
We have a small ward of about 52 active and proportionally have a high number of missionaries out in the field for a UK Ward. Two Elders have gone to Ghana and Elder to Manchester here in the UK and Sister Missionary in Toronto. But your observation appear to be right in our Stake on the whole most missionaries serve right here in the UK.
Just for Quix
Just going on a mission is the craziest culture shock of all. Not a good reason to keep someone stateside.
Have you seen the food allowances they give stateside missionaries? See the guilt they heap on locals to keep 'em fed? Understand they send 'em home if there is anything really serious health-wise? Remember these are kids who usually don't know how to wipe their own nose, let alone eat healthfully, and are prone to dangerous (and exciting!) escapades? Health and safety, per se, isn't a good reason to keep 'em stateside.
But weak dollar; rising insurance costs; liability risks; some areas less effective for proslytizing missions; some areas lower growth for the church? Those are all practical reasons to steer more misshies stateside.
That said, of those young people I know on missions, there's a good mix of US and foreign-bound.
Those who can learn Japanese get called to Japan; those who can't learn Japanese get called to a Spanish-speaking mission; those who can't speak English get called to an English-speaking mission. I'm sure that's in the CHI somewhere.
On a more serious note, our mission (Cincinnati, OH) is losing nearly 10% of its missionaries over the next few months – strictly through attrition. This is happening throughout the Eastern US (perhaps not every mission, but in general, at least). Instead of filling these current slots, additional missionaries are being sent to missions in the Western US. The reason is as simple as it gets: More missionaries are being sent to areas with higher baptismal rates.
I can see the day when there are no more than two missionaries (one companionship) serving in any stateside mission (with a few exceptions), while the number of missionaries being sent outside the states to open new foreign missions where the work will go much faster than stateside. Eventually, I could see missionaries being pulled completely from many units and having the Ward Mission be responsible. (For example, if China were to give permission for full-time missionaries, how would the Church staff those new missions?)
Ray, maybe those of us "smart" types sent to Japan are the ones more prone "to think themselves away from the church"? (I had someone say that to me… sheeesh.)
The recent Pew Forum results that show that the Catholic attrition rate, nationwide, would be a lot worse if not for the influx of immigrants who are predominantly RCC. The LDS church is net loss, too, though less than most of the mainstream faiths. Does make me wonder the cost/benefit/ROI ratio the church places on missionaries in general and some places vs. others. (And no, I'm not cynical; you don't think they consider this?) There's been attrition in the # of missions and # of missionaries just in Japan from when I was there in the 80s. If there experience was like mine, I'm surprised they don't just have service, community outreach or English Conversation missions there anymore. 😉
Stephen Wellington
I cherished serving my mission in another country. I can see a lot of practical reasons not to though and am blessed I got the oppurtunity to learn another culture.
I think it is multipartitie but that economic costs play a big part.
The Silent Observer
If the church sends more missionaries to wealthier, Western countries now it will generate more tithe-payers for when the church decides to get into more of these third-world countries in the future. Then there will be more money for their temples, meetinghouses, education, etc.
#13 – Is that a suggestion or a belief that it is happening that way?
Rigel Hawthorne
Peter, anecdotally it seems that way to me too, but here is a very scientific (not!) tally of locations for mission calls submitted to the Arizona Beehive newspaper for the last quarter. Foreign: 22 and US: 23. Here is the link with pics and specific missions for the new missionaries.
http://www.arizonabeehive.com/mission.pdf
More anecdotal evidence:
In my family of 10, the top half went foreign and the bottom half went stateside. Boy Boise was a rude awakening for my brother when the immediately senior sister served in Madagascar.
bfwebster
In our ward (Parker, CO), we currently have seven missionaries out, three who recently came home, and one who just got his call (to Guatemala). Over 50% are in foreign missions. ..bruce..
hawkgrrrl
In our ward there are mostly foreign-serving right now (Russia, India, a few South America–no Europe, though). In my family, the 4 of us all went to different continents in the 70s and 80s: Japan, Australia, Uruguay and Europe. Then in the 90s my parents went to San Jose, CA, English-speaking followed by an Atlanta, GA temple mission. However, they probably would have freaked out in a foreign country. I still think some of it is based on readiness of the individual to learn a language and deal with a foreign culture.
Shawn Larsen
For what its worth, I served in a foriegn mission as well. Thinking about all the missionaries serving now from our Stake, I'd say its 50%/50% foriegn vs. domestic. I quite like the idea of missionaries teaching to those in their own country. That's certainly one way of pushing us towards becoming a truly international religion, rather than simply franchising out an American church.
Michelle Glauser
I'm living in Germany, and I've noticed that German elders get called to three places: Germany/Switzerland/Austria, England, or Greece. The sisters often get called to Temple Square. I've wondered on more than one occasion: why is that?
#14: Just a thought.
#21 – Thanks.
Gardenia Lefeau
Talofa Lava! I'm a convert to the Church, baptised when i was 16 in 2005, in New Zealand!! comment to "silent observer". Your right brother, the Church would benefit from having only missions, for a little while, in the Western Countries and would most probably generate more Temples and meetinghouses etc, and but @ the same time, we would be denying our brothers and sisters in the third world countries with the truth and the bliss of the gospel, especially when the gospel gives faith and hope to those living in there and im guessing (please correct me if im wrong!!) most would be living in poverty!!! From what i know and experienced it ultimately comes down to our Dear Heavenly Father's will, what He says goes and He always provides a way for us to accomplish His will.
I t seems to me that less missionaries may be available given the greater strictures on worthiness.I'm also very impressed by the wikipedia article on the church and it's missionary potential,and wonder if this may be making it necessary to send less missionaries out in the flesh,but rather to concentrate on the developing world,given shrinking resources in relation to what will be an increasing task.
thatbrasiliankid
well guys you get called to basically where your needed and where theres an opening. your not going to get called to some small mission in Brasil when its already full.. meaning there not going to have 4-5 pairs in one ward…… and based on visa availabilty your not going to go international when certain countries only allow X amount of religious visas at a time… meaning someones going to have to leave the country before someone comes in…but in the end you go where your needed to go…
and eventually well all be teaching our neighbors and friends in our own country as it was intended to be…
as just a comment to where the valiant and best missionaries are…. I belive there was a confernce talk that the following was stated..
" Ive seen that the greatest missionaries arent those called to exotic places and islands like…… (names a bunch of places).. or those who work in the mission home but have little contact with the mission president.." those arent the exact words but.. everyone in our mission office thought it was funny as we were all called international, worked in the mission office and were constantlly getting yelled at. BURNED for mistakes other missionaries were making.. so yeah great and valiant missionaries getting called overseas??
HERMMMMMM??????


Object : Realises the automation of double access lifts until 24 levels, from the "blocking" mode to " complete group". Automation programmed and modifiable by the user.
Presentation : A mother card including a dialog interface (4 push-buttons + 2 displays). Level, mode, default display. Several possible peripherals : 3x24 light keyboard, serial output on billposter 9+19, etc, upon request.
Particularities : The lift configuration is loaded in the PLC through a PC (serial link). Telesupervision is possible. Inputs are multiplexed.
* 8 protected multiplexing static outputs.


Lakota Ridge in St George Utah offers amazing views of Snow Canyon State Park and the majestic red mountains surrounding it. These energy efficient homes are conveniently located close to schools and shopping. Lakota Ridge is also just steps away from the paved trail system that runs throughout St George. Located just off Snow Canyon Parkway, Lakota Ridge residents enjoy a pool, putting green and yard maintenance that are included in the community.


There's just something about eating eggs for dinner. So our latest Sunday Supper is all about breakfast. Puffy Omelette Venison or Pastrami Hash Cheddar Drop Biscuits And we say Bloody Marys aren't just for brunch: Neither are mimosas!


In October 2008 the normally tranquil Sheinton brook became a raging torrent after exceptionally heavy rainfall swept across Shropshire.
At Sheinton, the force of the water undermined one of the supporting piers for the three span brick-built Grade II listed bridge across the brook. It collapsed while engineers were reinforcing the damaged foundations. They had moved to a safe area minutes before after a contractor noticed cracking along the structure.
The collapse caused significant disruption to local residents who faced lengthy diversions to commute to and from the county town of Shrewsbury. Shropshire Council acted quickly and a temporary road bridge and approaches were built in the fields alongside the old bridge.
So extensive was the damage to the old bridge that rebuilding it was out of the question; it had to be replaced.
"Building an exact replica from scratch would have been expensive and would have involved substantial in- channel works within this site of special scientific interest," says Shropshire Council structures team leader John Williams.
Shropshire Council wanted a new bridge which retained as much as possible of the spirit of the old crossing, which meant creating an arched structure.
Consultant Mouchel singled out a radical new method of precast concrete arch construction developed by Northern Irish firm Macrete. The system, called FlexiArch, consists of a series of tapered pre-cast concrete voussoirs that rest against each other to form a self-supporting arch similar to a traditional brick or stone arch. But, unlike traditional masonry arches, which require temporary support during their construction, the FlexiArch is delivered to site as 1m-wide strips in a flat-pack. Full span strips are then craned from the delivery lorry onto pre-constructed springing units to form the arch barrel.
The FlexiArch system enables a conventional arch to be built without the need for expensive, in-channel centring.
Dew Construction was appointed as the principal contractor for the project. It faced a series of challenges.
"The Macrete system had previously been used only on small arches. This one spans more than 13m and it is the largest precast arch of its kind ever built in the UK," says contracts manager Piers Myatt.
Work began on site in May 2010 with the construction of mass concrete abutments, founded in mudstone at a depth of about 2m below the river bed. Precast concrete springing units, supplied by Macrete, were then dowelled into place on top.
Macrete then delivered the FlexiArch units which Dew craned into place. "The next stage was to install the spandrel walls" explains Myatt.
These are also precast concrete and sit on the arch barrel secured with tie-bars passing through from one elevation to the other.
Lifting and placing such large FlexiArch sections had never before been attempted on a live site, though similar structures have been successfully installed at Macrete's yard.
The void created between the arch and the spandrels was filled with 130m³ of mass concrete.
Once the concreting work has been completed, the bridge will be clad with brick and stone masonry to give an appearance similar to the old bridge. It is scheduled to open in October.
Melbourne's West Gate bridge carries the busy M1 freeway over the River Yarra, connecting the Australian city's central business district to its south eastern suburbs.
The first day of April this year was a pretty quiet spring day for most people – the odd April Fools chuckle, a spot of rain but the big freeze was on the retreat and the prospect for that weekend's Easter holiday looked good.
The construction on the Hong Kong- Macao-Zuhai crossing is proving to be the most technically challenging in China's History. Andy Bolton reports.


text:
Los mártires de Buganda son un grupo de mártires cristianos (23 anglicanos y 22 católicos) del reino histórico de Buganda, ahora parte de Uganda, que fueron ejecutados entre 31 de enero de 1885 y el 27 de enero de 1887 por orden del kabaka Mwanga II en el contexto del reparto de África.

Beatificación y Canonización
El 1920, el 6 de junio, Benedicto XV los proclamó beatos. En 1964, el 18 de octubre, Pablo VI canonizó al grupo de mártires de Buganda, en la basílica de San Pedro en Roma.

El Legado
En 1934, Pío XI nombró a Carlos Lwanga "Patrono de la juventud del África cristiana". Posteriormente se construyó en el lugar del martirio el Santuario de Namugongo, con 22 pilares que representan a los 22 mártires católicos. En 1969 Pablo VI fue a consagra el altar mayor del Santuario. El 3 de junio es la fecha que se recuerda el martirio tanto de anglicanos como católicos.

Referencias

Ejecutados de Uganda
Historia de Uganda
Santos de la Comunión anglicana
Santos católicos
Santos luteranos
Santos del siglo XIX
Colonización de África
Mártires católicos del siglo XIX
Mártires protestantes

Santos laicos

redpajama_set_name: RedPajamaWikipedia


When hacktivism enters in to discussions, the "Anonymous" group and "Occupy Movement" is often what comes to mind. While there are many groups and individuals who align themselves with this ideology and practice, the consistency amongst them is their intention and their purpose. On the Anonymous side, the global hacking community has been associated with taking down websites from mainstream media, stealing data from servers of financial institutions and compromising personal information from A-list celebrities.
Much like any activist group, mass inception and global identity and recognition doesn't happen over night. Individuals aligning themselves to these causes and finding like-minded groups take time. Through their tenacity and perseverance, their popular following is expanding at a rapid pace.
To illustrate this point, look no further than the Twitter account of Anonymous. Their current following is upwards of 1.67 million people. While it should not be suggested that all of these individuals are fellow hackers or share in the same beliefs, one can safely assume that there are individuals who wish to stay so "dark" that they have no social media presence at all.
Any profile on any website starts with but a mere one follower. From there, the audience grows and with it, the amplification of their cause.
In the final days of 2016, Anonymous and an allied group named HackBack, set their sights on the Bildeberg Group. During this attack, the hackers gained access to their website. They placed an ominous warning to the members of what they called "the political elite". They gave the membership 365 days to act for the common people or further hacking incidents would occur.
This is at least the second time this group has become prayed upon; The first coming in June of 2016, during their annual meeting. A DDoS attack rendered their website inaccessible to the delegation and the general public during that time.
Roughly 150 members of the Bildeberg Group attend this annual conference to discuss matters relating to politics, economy and of course, industry.
Not only have the number of devout followers increased rapidly over a short period of time for these groups, but they also have become more elaborate in their methodology and delivery. The advancement of technology and the ease of its access can be given partial credit to this.
January 11th, 2017, an affiliate group of Anonymous announced publicly that they would commence occupying Guildhall Square in Ireland. The group provided the exact date, location and time of this movement…to bring attention to austerity through continuous and growing protests.
April of 2016, Gold Corp servers were illegally accessed and digital files were stolen. The information stolen from Gold Corp included employee personnel records, internal correspondence and external emails, budget reports and contact information of international associates.
In March of 2016, the website belonging to BCGold Corp was manipulated by hackers. The mainpage was replaced with a YouTube video of Rick Astley's hit "Never Gonna Give You Up". An Anonymous group calling themselves #OpCanary took responsibility for the attack.
This account has roughly 1700 followers and has posted as recently as September of 2016. The description in their bio speaks volumes of their previous actions and should give some insight in to what future plans they may have.
Contrary to what their name may suggest, these groups have been quite open about their intentions.
The hackers took another step with the information. They compared portions of the data they had obtained through countless publicly accessible social media platforms, such as LinkedIn. The information from payroll, email correspondence and budget reports all became much more relevant when compared to social media posts. Again, this is the very same information that the individual employees chose to make public through social media.
There is a delicate balance between the utilizing social media for corporate branding and increasing the reach potential of an organization against the necessity to effectively safeguard physical and cyber security of the company and its employees.
The frequency of hacktivism activities will continue. Being mindful of these groups and their intentions will serve to anticipate actions taken against corporations and agencies. Continuously measuring and evaluating the security of companies, their partners and their employees will work effectively to limiting the risk of additional disruptions, liabilities and financial losses.
1,200 investors were defrauded for a total sum of more than $20 million in an investment scam, and one of the involved pleaded guilty for his role in the scheme. Sounds like justice? It might seem like that until you hear that he's not likely to spend a minute of time in jail.
Varun Aurora, a former concrete equities executive pleaded guilty to fraud regarding his role in tricking around 1200 investors out of $20 million. The Securities Commission asked the court to distribute $1.8 million of Aurora's frozen funds to his victims.
Aurora, 33, pleaded guilty to a single fraud charge of $5,000 in a courtroom packed with many of his victims. Some of the victims could even be heard crying amidst all these. A few of the victims shared that they felt suicidal while some shared that they felt traumatized. Many of Aurora's victims are retirees or nearly retired who are now facing having to work for a few more years to recuperate from the losses brought on by the fraud. The other charges against him were dropped.
Prosecutor Stephen Johnson read aloud some of the statements from Aurora's 98 victims who shared victim impact statements with the court. One Gordon Shaw shared that he lost his home as a result of investing in the fraudulent company. His victim impact statement shows that he called those who were involved in the scam as 'greedy men'. Shaw also wrote that he is upset, disappointed, and unable to relax about the matter as he is having feelings of betrayal.
The scam involved promising investors a return of more than 5x (500%) if they buy a stake in an undeveloped beach property which was supposedly in Mexico. No such development exists according to Johnston.
Donna Anderson and Denise Hamilton both lost money when they invested with Concrete Equities. The ladies expressed that they want to see Aurora get some jail time for what he did.
Both women shared that the money they lost through the fraudulent company has had a huge impact on their lives. They thought they'll be doing well in retirement only to find out that it was all a lie. Anderson described the financial impact as 'horrendous'.
Aurora was a former executive at Concrete Equities who was also an officer of the real estate project which deceived investors. The project, called El Golfo, presented investors with exaggerated and untrue statements. Even Aurora's education was misrepresented.
El Golfo raised $25 million in 2009 and the project collapsed afterward.
Johnston said that Aurora's involvement in the fraud is minimal but he also knew what was going on and simply turned a blind eye. Because of this, prosecutors Brian Kiers and Stephen Johnston together with defense lawyer Brian Beresh recommended a 2-year conditional sentence for Aurora.
As part of his sentence, Aurora has paid $1 million in restitution. 9 of his family members were also in court. He came back voluntarily to face his charges after he was arrested in India.
Do you suspect that you're being targeted by an investment scam? Contact us and we'll see what we can find out with our private investigation services. Inquiries are obligation-free!
Alarming as this may sound, CEO fraud emails are becoming more common in recent times. Scams like these are often well-crafted and may sound legitimate; thus targeting employees that may not be too savvy with how the organization works. For this reason, employee education is of utmost importance to combat this type of fraud and when possible, mitigate risks and losses.
CEO fraud email campaigns are also known as business email compromise attacks. Fake emails from CEOs are designed to con accounting staff into thinking that a legitimate email has been sent ordering them to schedule and approve deceitful wire transfers.
Oftentimes, otherwise diligent employees are tricked into thinking that an emergency fund transfer has to be done, thus they are more apt to bypass basic security measures. If an employee receives the fraudulent email and thinks that by approving the transfer he or she will be helping the company, then large sums of money can be transferred to the fake CEO account.
Let's take a look at an FBI report. According to our neighbouring country's investigative agency, business email attacks were responsible for a worldwide loss of more than $1.2 billion between October 2013 to August 2015. This figure was disputed by Bank of the West deputy chief security officer David Pollino who estimated that last year's losses alone could have easily been more than $1 billion.
According to recent surveys, about half of businesses today are exposed to email and wire fraud. JP Morgan Chase managing director and treasury executive Nancy McDonnell was noted as saying that payments and cyber fraud schemes are growing in sophistication each year. She added that recognizing and managing these threats is crucial to protecting one's organization. Furthermore, she shared that investing in employee education, infrastructure controls, and appropriate data-protection tools is fundamental to every business.
The reason this scam is so prevalent is that the chances of success and big payout for perpetrators is huge compared to any effort they put in. the fraudster (or fraudsters) simply makes an email address that mimics the email address of the CEO and uses that email to demand funds from the organization via email in the guise of an urgent wire transfer for company expense. These emails will typically be embellished with company details to seem legitimate.
There may be times that an email would be followed by a few more to pressure the recipient to take immediate action. This is why the importance of employee education can't be discounted for matters like this. An employee who has been briefed on company policies and protocols will not bypass basic security measures to give in to a seemingly legitimate demand because of the knowledge that the protocols are known to their superiors as well.
Of course email authentication can help with minimizing the risks and losses but employee education is still your best line of defense. In the event that a mistake has been made or if the funds transfer has already been done before the scam was discovered, a trained employee will also know what actions to do next such as contacting law enforcement or the bank's fraud department.
Interested in devising an employee fraud prevention training program or manual to combat CEO email fraud? Contact us for an obligation-free initial consultation today!
Your lawyer is probably the last person you can expect to do something shady but sometimes people are simply not who they present themselves to be. Earlier this month in Rockland, Ontario, a lawyer had his license suspended after it was discovered that around $4 million in funds held trust for the lawyer's clients was missing.
The lawyer, Joseph Stephane Langlois, have close to 20 years work experience. His colleague, a senior partner at Charron Langlois LLP shared that he is in shock after finding out about the discrepancies in the bank accounts for Langlois' clients.
Pierre Charron, Langlois's partner at the firm says that he finds it personally deeply distasteful to deal with Langlois but he has no choice. He shared that he's at a loss for words and that he is still in a state of utter and unbelievable shock over the issue.
A notice of motion was filed with the Law Society Tribunal wherein allegations state that only $220,000 was left of the about $4 million in funds that Langlois was holding for his clients in trust. A recent review of accounts was the instrument for the discovery of the discrepancy.
In the motion, it was also claimed that Langlois made an admission to a Law Society investigator about where the money went. He said that he spent close to $1 million of the money in trust for his law firm and personal use.
Langlois and his lawyer attended a hearing in Toronto earlier this month. In the hearing, a panel ordered Langlois not to practice law as his license is temporarily suspended for the duration of the investigation. It is to be noted that Langlois practiced family and commercial law.
In the meantime, Pierre Charron created a new law firm with a new name in an effort to distance himself from his former partner. His firm's name is Charron Pilon Sauve and all 3 partners in the new firm were able to retain 95% of their clients after the discovery of the issue with the missing funds, shared Charron.
As for now, the Law Society is continuing its investigation. Charron shared that he cannot comment on who and how many clients are affected by the missing funds.
Pierre Charron has been in practicing law for 31 years. He shared that from his first day as a lawyer, it is understood that a lawyer simply should treat dealing with another person's money as a sacred duty. Messing with it is certainly out of the question.
DRS Construction's owner Gerry Dube said Langlois has been his lawyer for the ongoing Ottawa Hospital fraud lawsuit the past year and got more than $100,000 in legal fees from him. He retained new lawyers since this situation has surfaced and said that it certainly surprised everyone in Rockland.
Langlois is represented by Matthew Gourlay from the Henein Hutchinson LLP firm in Toronto. He declined to leave comments about the case and said that the investigation is still on-going, saying that they need time to understand the issue.
Looking for private investigators in Toronto to help you with cases like this? Contact us at Haywood Hunt for private investigation services and more!
Have you ever wondered why someone who is already swimming in money still feels the need to defraud someone else? What truly motivates someone to commit white collar fraud?
Isn't it ironic that the type of financial fraud that incurs the largest losses are typically unnoticed (or are often just discovered by chance) despite efforts in governance and detection?
Understanding the criminal mind has long fascinated psychologists and psychiatrists from around the world. We already know that researchers say that the fraud triangle – 3 factors that are needed to commit fraud has to be present for fraud to occur, but surely there is more to it?
Harvard professor Eugene Soltes has an answer. He says that even rich people commit fraud because they think they can get away with it. It is as simple as that, white-collar criminals will commit fraud for the sheer thrill of it, or so it seems.
In his book, Why They Did It: Inside the Mind of the White-Collar Criminal, Soltes explained why people who already have status and wealth still commit financial crimes such as in the case of business executives.
To write the book, the Harvard professor wrote to 4 dozen convicted fraudsters. The people he sought answers from range from Andrew Fastow of Enron Corp, Ponzi scheme manipulator Bernard Madoff, to Dennis Kozlowski of the US$600 million Tyco International fraud.
It is all about the ego for some white-collar fraudsters. They are typically respected members of the community, with high social standings and have an educated background but that is not enough for them. They want to feel more ahead of their game, like they are somehow better than others. Typically, they enjoy bending other people to their will and have no problem using their specialized skills and knowledge to get what they want.
Dennis Kozlowski told Soltes that he believed he can do anything, primarily because Tyco's board will gladly do whatever he says and believe anything he tells them.
Some well-intentioned fraudsters believe that they can somehow repay the money before their deceit would be discovered. Because they don't really mean to take the money, they rationalize their behavior because they believe that it is for a good purpose.
This is true for Bernie Madoff, who believed that him taking some money can easily be reversed. His reason was that he will repay the money once his other plan worked and no one will know any loss ever occurred.
Some fraudsters really do think that they are acting in a legitimate manner. Some of them even believe that their 'brave' actions are what is needed for their organization's survival. They somehow view themselves as martyrs or heroes willing to do the dirty work to save everyone else.
Former Enron chief financial officer Andrew Fastow told Soltes that if he didn't do what he did, someone else will; that's why he felt the need to go ahead and do what he thinks needs to be done.
Suspecting white-collar fraud in your organization? Give your Toronto private investigators a call for assistance with uncovering possible fraudulent activity or white-collar crime. Contact us today!
The Securities and Exchange Commission (SEC) has awarded $22 million to a whistleblower whose detailed tip and extensive assistance helped the agency halt a well-hidden fraud at the company where the whistleblower worked.
The $22 million-plus award is the second-largest total the SEC has awarded a whistleblower.
The largest, $30 million, was awarded in 2014.
More than $107 million has been awarded to 33 whistleblowers who became eligible for an award by voluntarily providing the SEC with original and useful information that led to a successful enforcement action.
The first ever paid whistleblower program backed by a Canadian securities regulator was launched by the Ontario Securities Commission (OSC) recently.
An up to $5 million offer awaits those who will turn in tips and reports of fraud to Ontario's new Office of the Whistleblower. Anyone who has information on disclosure violations, market manipulation, and illegal insider trading can contact authorities to report such data. In instances where sanctions are imposed, whistleblowers can be awarded with up to $1.5 million.
All of the above is meant to change people's perception of whistleblowing. Whistleblowers stand to lose their jobs and possibly get personal threats because of their role in exposing a misconduct.
Office of the Whistleblower in Toronto chief Kelly Gorman says that whistleblowers need to know that they will be protected should they choose to come in the open regarding some shady activities. She added that this is not only going to be an absolute game changer for law enforcers, this can also protect Ontario investors more.
Toronto law firm Fasken Martineau senior partner Norm Keith begs to differ. He says that the program may not receive the expected level of success because he does not believe that an "American-style bounty hunter" approach is going to work in Canada.
In the US, the Office of the Whistleblower in their Securities and Exchange Commission rewards tipsters with 10 to 30% of the money collected from viable leads, viable leads described as those that provided information that caused a SEC enforcement action in which sanctions of more than US$1 million has been ordered.
Keith added that in Canada, there is no tradition of holding alleged wrongdoers accountable. He also shared his sentiments about the $5 million ceiling for rewards as too small. He further said that the OSC has a poor track record for prosecuting those involved in securities fraud such as insider trading and because of this, he is thinking that the chances of a tip being used to pursue a hearing to penalize perpetrators are cute low.
As for Gorman, she says that the program will enhance OSC's ability to achieve better outcomes for Canadian markets as far as identifying and pursuing any securities violations This can also help the OSC protect investors. She further added that previously handled cases had favourable outcomes, with voluntary payments made to the OSC once a case has been identified.
How 'Rewarding' Will This Be for Whistleblowers?
A whistleblower can be an awarded only when a tip is deemed eligible for the reward. To qualify as such, information provided must lead to voluntary payments or settlements of more than $1 million. Gorman added that a whistleblower is eligible of 5% to 15% of whatever exceeds $1 million. The percentage of the payout will be determined by a number of factors, including if a whistleblower is involved in the case (or not), in which case the percentage would be on the lower end.
Keith expressed that he finds it disturbing that a co-conspirator can easily be rewarded under the OSC policy. If something goes wrong in a deal, a co-criminal, co-accused, or co-conspirator can simply turn in the other party and still be monetarily rewarded. Keith expressed that this is against the Anglo-Canadian tradition and common law that no one should gain profit from committing a crime.
Gorman responded that depending on how involved a whistleblower is, he or she can also be made to answer to the law. With this said, she added that part of the enhanced protection of the new policy is allowing anonymous tips from whistleblowers.
Want to know more about how having a whistleblower program could benefit your organization? Contact us at Haywood Hunt today for your obligation-free initial consultation. We'll help you find out more details about how private investigators can help you with your whistleblower program.
A few weeks ago, what was dubbed as Sudbury's largest fraud trial came to a close with the guilty verdict handed out to fraudsters Dirk Plate and Paul Caron. The duo helped defraud about $24million from Atlas Copco Canada. Their sentencing hearing will be on October 25. The concluding chapter to this fraud case was brought with a whistleblower's help.
Plate was Atlas Copco's general manager at their Sudbury office from 2001 to 2007 and Caron managed Atlas Copco's employee benefits as a Montreal insurance broker. Their fraud covered a period of six years.
The disturbing fact is that overbilling health benefits is a common occurrence in Canada. In fact, the Canadian Health Care Anti-fraud Association reported that fraudulent billing activity is responsible for a private health care plan loss of $1.2 to $6 billion dollars a year.
The issue above presents a problem for employers. Employers are concerned about keeping health insurance costs down without resorting to cutting health benefits of employees.
Health benefit plans are being abused in various ways these days. Some employees can duplicate a billing by hiding the double billing between a stash of small medical bills. Sometimes a therapist can tell someone to come in for more unnecessary appointments to bill time. Also, some doctors may over-prescribe drugs that are on the expensive side although those medications may not really be needed.
Needless to say, employee abuse of their benefits plan is very common and can be a huge financial loss to a company. Below are some ways employers can protect themselves from health benefits fraud with the help of a plan provider.
Oftentimes employees commit fraud because they do not understand how this affects them and the company in the long run. If you are a plan provider, you have to inform your clients that plans are composed of the risk insurance and the transactional costs.
You may need to explain the direct relationship between the annual claims and the future viability of the plan you are providing. Your client needs to look at the whole picture.
You'll have to carefully design the plan. Adding a layer of pre-authorization such as each procedure having to undergo pre-approval prior to completion.
A tiered plan that divides drugs into groups based on costs can mitigate costs. Here's more detail about this.
Employees and employers both benefit from fighting health benefit plan abuse and fraud. Because abuse results to increased plan premium and costs, plus causes eliminations and reductions of plan coverage to contain costs, everyone suffers a loss if abuse is allowed to continue. Add to this the fact that committing health care plan fraud is a criminal offense that can cost perpetrators their job and land them in jail, there is really no long-term gain from engaging in such a fraud.
Concerned about possible fraud in your business? Contact us for an obligation-free initial consultation. Our Toronto private investigators are here help you get to the bottom of things. Talk to us today!
A new report by KPMG report shared data that could be alarming for some people. The report shared that only half of the global insurers who participated in the poll believe that they can extract and sustain value from business transformation initiatives. Furthermore, 57% of the poll respondents admitted that they have had less than successful in their transformation efforts.
The report was released through Forbes Insights and featured the results of the survey wherein 70 insurance executives from all over the world participated. The poll was conducted by the audit, tax, and advisory services firm KPMG to find out about global insurers' perceptions of the biggest risks they face, their current capabilities, and their recent transformation initiatives. Of the respondents, 19% are from Asia Pacific, 33% are from the Americas, and about half, 48% are from Europe.
The KPMG report, with the title, Empowered for the Future: Insurance Reinvented, insurers are struggling to adapt their organizations for the future, although they do know that they urgently need to transform existing practices to be ready for it. A statement by KPMG says that insurers are not placing enough attention on the changing needs and preferences of their clientele and are mostly focused on implications of regulatory policy. The statement also added that less than a fourth of those polled expect that their current operations can be disrupted by changes in customer behavior.
The report's lead author and KPMG's global lead partner for insurance innovation and change Mary Trussell notes that very little has changed although insurers have been trying to transform their organizations for tens of years. She added that more fundamental changes need to be done in the insurance business and their operations if they are to truly adapt to the future.
Although 53% of the insurers that achieving short-term transformation is doable, the same cannot be said for a sustainable transformational outcome.
KPMG International global head of insurance Gary Reader said that it takes a more strategic approach to truly accomplish an organization's reinvention and that it is far more complicated than most insurers have done with their past initiatives.
Another interesting data from the report is that insurers are now seriously viewing new technology as a catalyst for change. 47% are recognizing that apps and mobile platforms are creating new opportunities for transformation and are forcing their business to change. 41% said the same about data and analytics and 45% concurred that the same can be said about social collaboration and networking.
The survey noted that a third of the respondents shared that they were watching non-insurance businesses to help them find inspiration to help reinvent their organizations. Reader further notes that insurers are taking approaches and ideas from other sectors to come up with effective strategies themselves, a move that allows insurers to compete with not just other insurers, but also with other businesses for customer's attention.
Trussel shares that many insurers may still not be seeing the need to set their sights on the ultimate prize, how to be at the top of their game and not just be able to endure the changes the future is asking for them to make.
How stable is your insurance business? What changes do you need to implement to go with the tide? Will you sail to success or sink to the abyss of adaptation failure? We may be able to help. Contact us today for a consultation!


Does anyone want to take an online course on the Civil War, starting on May 22, and last ten weeks, through La Roche College? I'm the professor, and the textbook is James McPherson's Battlecry of Freedom. There would be no paper, and the grading is on ten discussion boards and two exams. To get the three college credits, you'd have to register at La Roche College as a student. It might be possible too to do so as an auditor, without going for the credits. I've taught this twice before online, and we all had fun with it.
To find out more about the mechanics and costs of signing up, write to registrar@laroche.edu.
The class starts today, with five students.


text:
Become a Globeducate school
Why choose a Globeducate School?
Improving Quality
Exchanges and International Stays
Globeducate International Events
Global Readiness
Globeducate is a leading provider of high-quality international education with more than 50 schools located across 10 countries: Spain, France, United Kingdom, Italy, Andorra, India, Portugal, Canada, Malaysia and Qatar. As a multinational group, we offer a genuinely international programme that equips our students for success in an increasingly global and multicultural context.
Without doubt, Globeducate offers the best educational option to help our young people become well-prepared and confident individuals ready to take their place within the international community. We offer linguistic immersion at all our schools and a wide range of opportunities for international exchanges programmes and visits, an international events programme and access to international curricula such as the International Baccalaureate and the British, Italian, French and Spanish national curriculums.
Full linguistic immersion
We believe that the need to master several languages, especially English, is a current reality that is becoming more and more important as the pace of globalisation accelerates. A large majority of our schools are bilingual and use English as the main working language alongside the local language of each school. We also offer our students the chance to complement their studies with other languages including French, German, Italian, Russian, Mandarin Chinese, Korean, Japanese and Arabic.
Within the international community the key to success is the ability to communicate in different languages and the sooner a child is exposed to a second or third language, the easier it will be for him or her to learn it. The opportunity to learn several languages from an early age is one of the unique advantages offered by Globeducate schools.
In addition to promoting foreign language in the classroom, Globeducate also brings together students of more than 70 nationalities via a series of exchange programmes, overseas trips and cultural and sporting events. These activities provide a practical forum for our students to use their language skills and to understand the importance of being able to communicate in languages other than their first language. Linguistic immersion allows our pupils to develop excellent language skills in a short period of time and to gain internationally-recognised academic qualifications.
International Curriculum
The schools belonging to Globeducate offer a truly international curriculum that opens the door to future success.
Our schools offer a range of internationally recognised qualifications that not only consolidate our students' language skills, enabling them to apply for the best universities worldwide, but provide them with an additional personal skill and a practical advantage that will remain with them throughout their future personal and professional lives.
Depending on the particular characteristics of each school, qualifications such as the International Baccalaureate Diploma Programme (IBDP), the prestigious British A-levels or the American SAT courses are undertaken. These qualifications guarantee the mobility and adaptability of our students and the development of characteristics such as cultural awareness, independent thinking and social conscience.
WHAT THOSE INVOLVED HAVE TO SAY
"The International Baccalaureate develops the students' critical thinking, creativity and maturity, they make their own criteria, and are more open-minded. We have been able to experience satisfactory progress. "
Parent of student at Agora Santa Cugat International School
"The IB is a demanding program that requires a great personal commitment, but it provides a fully comprehensive training. Now I'm at university I realise that everything I have learned, such as independent work, will not only benefit me in my future as a student, but for life."
Former student at Agora Sant Cugat International School
"I like learning lots of languages and here I can do it."
Aleix
Student at Agora International School Barcelona
C/ de Valle de la Fuenfría, 3, 28034 Madrid
© Copyright 2019 - Globeducate
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Hi friends, with nature's forces playing havoc at many parts of the world including Mumbai ,in India....I would like to share a card which echoes the sentiment "May the Sun shine brightly and bring cheer".
This Pop Up Card has multiple layers of sparkling clouds, cheerful hot-air balloons floating up in the sky [on acetate strips] and a gorgeous sparkling rainbow! I went an extra bit in this one and made the Sun light up on pressing one cloudy corner!
I wanted to convey that no matter how cloudy and gloomy the scene is , the sun always comes up!
LED Lights - I used Chibitronics sticker LED lights as these are adhesive backed, tiny ,lightweight, come in various colors . If you dont get these in your country you can always use regular LEDs but they will be bulky and trickier to use. The Chibitronics LEDs being fairly flat and tiny make them ideal for paper-crafters and you can even use a couple to light up a card or layout!
Conductive tape - I used Copper tape by Chibitronics as I decided that other electrical conductor options like aluminium foil and bare wire would be too tricky to use though technically they would work! This particular copper tape is adhesive on one side so ideal to use in paper-crafts and can be cut with a scissors or even be torn with your hands!
Battery for the LED - I used a Micro Lithium 3V cell battery I picked up from my local electrical shop.
I have a video Tutorial showing the basic steps on how I made the card. It is not as detailed a Tutorial as I usually do as it was very tricky to photograph the circuit making steps so do forgive me !
The Pop Up Card folds flat for mailing but I think I would rather hand deliver this special card as I would love to see the recipient's reaction!!
I would like to especially thank all my crafty blogger and social media friends who without knowing have helped me see the sunshine on many a cloudy day! Thank you !!
In my daughter's school, the teachers don't stress out the kids by giving marks or grades for projects and that I guess makes it all the more relaxed and a fun learning experience for the children! My daughter loves to make 3 D models and dioramas for her school projects and really likes to put in a lot of work!
Though the topic was respiratory system , we decided to just concentrate on the parts beyond the trachea!
We used big sponges to make the lungs and used regular scissors to snip off the excess sponge and shape it. Our lungs are actually life size though simplistic in shape!
There was some flexible plastic piping at home and this was perfect to make the trachea and bronchi and it was also helpful to explain to my daughter about the cartilaginous tissue forming these tubes!
We used an adhesive called Fevibond to stick one short piece of the tubing to a longer piece and thence form the point of bifurcation of the trachea into the bronchi.
It was super easy to insert the "bronchus" into each sponge "lung" by simply twisting the pipe in and securing with fevibond glue.
The part my daughter enjoyed the most was painting the lungs!
Alveoli [ tiny air sacs] are the endpoint of the respiratory system where the gaseous exchange takes place and we used tiny styrofoam [thermocol] balls and light weight air-drying clay to make the bunches of alveoli!
We used plastic straws to make the " bronchioles" which led to the alveoli, poked the straws into balls of clay and stuck the thermocol balls onto the clay.
Coming back to the lungs...here are the painted lungs.
And here is the model after attaching the tracheo-bronchial tree!
To add charm to the model, my daughter die-cut glitter foam letters to form labels for the parts.
She was so proud that amongst all the models and charts the children had brought, her science teacher chose to keep her model in the showcase of their science lab so that junior and even senior children could see it!
Hi friends it feels so good to be able to squeeze in time for crafting once again. This 4 panel accordion card is my DT project for Maureen's Rudolf Days Challenge .
I chose to go with unconventional Christmas colors pink and baby blue but added quite a lot of white in the form of snowflake borders[Memory Box dies] ,white lacy arch borders above each panel [ cut using Marianne dies] and 2 beautiful white poinsettias made by heat embossing poinsettias [from Rubber Dance Art] on vellum and fussy cutting them.
All 4 of my panels feature gorgeous stamps from Rubber Dance Art . Though clear stamps are so popular nowadays I somehow just love rubber stamps...I feel one can never go wrong with them!!
The Candle , Poinsettia , Gift Box and Bow stamps were heat embossed gold and water-colored with Zig Brush Pens[You can read more about these pens here : Zig Brush Pens Introduction and Zigs Water-coloring Tips .
The base was made with an Elizabeth Craft Designs oval accordion die [you can see more examples here : Pop Up Accordion Cards] but I chose not to connect the central panels as I found that the cards tended to buckle over time if I did that.
The 2 gift-boxes turned out soo cool but I couldn't quite capture their beauty in the photos! The leafy oval frames are from Poppy Stamps [ I just love whatever die this company makes and always lament I get only limited designs here in India!!].The gorgeous glittery pine leaves adding charm to all my poinsettias were also die cut using Poppy Stamps dies.
I didnt add bulky embellishments so this card will fold flat for mailing! I hope you liked this card.
Dont forget to participate in Maureen's Rudolph Days Challenge ...the theme is always Christmas , the inspiration from the DT and the participants is always fabulous and Maureen always has fabulous prizes which she ships worldwide!!
Hi friends ,the current craze in my daughter's school is bag charms ! Being DIY enthusiasts we tried making our own handmade bag charms with craft supplies we had at home!
These are just the type of craft to do with hoarded beads and any cute embellishments in your stash!
We used jewelry making supplies[long eye pins and jump rings] and resin embellishments to make the bag charms.
We used a local brand of adhesive called Fevibond [easy for older children to handle]to stick the resin princesses to the background frame...you can use any strong jewelry grade adhesives like E6000 also if you are making these on your own without involving children.
My daughter has a minimalist style and exclusively designed the 2 charms shown below. She die cut 2 sparkling circles from silver holographic paper and stuck them onto acrylic discs before gluing on the resin princesses .
The beautiful blue rose chain on which the cute blue princess dangles is a broken bracelet!Hehe yes I am glad I hung onto this broken bit of jewelry!
These bag charms are going on my daughter's school bag and purse but I just couldn't resist using one on my own handbag too!!
What do you say friends...how do you like them...?
Hi friends life is slowly settling down for me and since I have been missing my blogger friends I thought I will restart blogging but not with my creation but my daughter's!
This is a school project my 11yr old made for her Geography school project on Asteroids and Meteoroids.
We really put a lot of paper-crafting supplies to good use to make this 3 D chart. The letters were cut from glitter foam using Spellbinders dies and spray paints and glitter glue came in quite handy to create the planets and other celestial bodies!
The base of the 3 D chart is a sheet of thermocol painted in a splotchy manner with black spray paint and glittered up with patchily with sparkling silver glitter glue!
The "Asteroid belt" between Jupiter and Mars has modified "pompoms" made sparkly with generous helpings of silver glitter glue!
Jupiter is my favorite...love how the splattering of paint and the glitter glue gives it a misty,shimmering look! And in the photo below you can see the closeup details of the Asteroid belt!
My daughter was so proud of her model and I think for a long long time she will remember about this little topic in geography !
I will be visiting you all soon! I sure did miss my blogger pals!
2.Simon Says Stamp Wednesday Challenge - Splatter it.


Home » Blog » Why Millennials want to work in Financial Services Market Research.
Working in financial services market research is very appealing to millennials.
If you are surprised by this you can be forgiven because not long ago, recruiting for this sector was extremely difficult. The industry certainly wasn't known for innovation and was lagging behind other industries in respect of its digital capabilities. But this has definitely changed.
Not only has there been a rise in demand for new and emerging skills, but working as a research/ insight specialist in financial services has become very popular amongst millennials.
Millennials have a voracious thirst for learning, and working with financial services clients can give them this. The sector provides some fantastic development opportunities, the chance to be part of an ever changing landscape, career advancement and the chance to realise their ambitions faster.
We asked two of our candidates Emily Gallup and Jessica Morley to shed some light on what is happening in financial services and why it is so appealing.
What key trends are happening in 2016 in Financial services market research sector?
The digitalisation of financial services. Incumbent providers want to know what is happening in the digital space as a result of challenger and digital disruptor activity and specifically how they can remain competitive. Much of this inspiration is coming from the retail and leisure industries rather than the FS industry itself.The impact of regulation.
This is something that is always a hot topic in financial services. However, in the next 12-18 months a number of regulatory changes, such as PSDII, will have a direct impact on the way that providers interact with consumers. Normally the impact is further removed so it is interesting to see how companies are starting to consider this interaction.
What are the key drivers at the moment?
E : I would say regulation, customer retention and customer growth are the most common drivers of research I've seen since recently joining the industry.
J : These largely overlap with the key themes with regulation and digital competition being key drivers. Customer retention is also very important and it links to the previous key points, particularly digital competition.
Traditional FS providers are very aware that customer expectations with regards to loyalty programs and customer experience are being driven by the actions of non-FS providers. This is forcing banks and other FS providers to re-think how they proactively seek loyalty from their customers. This is a stark contrast to more conventional attitudes where FS providers expected customer loyalty because it was not common for customers to actively seek out better options elsewhere. In this way we are seeing a key trend being the shift from passive loyalty to active retention schemes.
What are the challenges for Financial services businesses that they use market research specialists to address?
J: Customer experience and satisfaction. FS Companies have more insight into what their customers think of their services than ever before, thanks to things such as App reviews and social media. However, they do not always have the capacity to analyse this mine of data effectively nor is it always obvious why consumers are expressing specific opinions. Market researchers can shine a light on some of these mysteries through both qualitative and quantitative insights.
E: It's a competitive landscape with frequently changing regulation and strict compliance standards, meaning companies must always be up-to-date with new service and product developments as well as new regulatory changes within the industry.
How competitive an industry is it?
J: It is not an industry that has been typically considered to be overly competitive (within retail banking that is) largely because previously it was a sector that was lacking in innovation. However, this has all changed in the last couple of years. New market entrants and changes in regulation has significantly increased the level of competition and it is interesting to see how the incumbents are responding to this new level of threat. There is no response that dominates which makes it an interesting area to work in.
Some people may say that working in FS is very dry, you don't get a chance to be involved in interesting work. How would you reply?
J: That, that may have once been the case. All stereotypes have some foundation. However, I think that at the moment FS is one of the most dynamic and exciting sectors to be working in. It is changing so rapidly as customer expectations are shifting and millennials head into their mid-twenties to early thirties and become the key target audience for FS providers.
E: I would argue that, while the products and services may be somewhat dry to read about, they are also some of the most important consumer products out there. In helping companies increase clarity around saving plans and investment strategies, I like to think that financial services market research can indirectly help people in areas that make a large impact to their lives.
Next article: Why candidates are choosing to change jobs?


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MEXICO CITY (Reuters) - Mexican inflation was higher than expected in August, mostly due to a rise in gasoline and gas prices, official data showed on Friday.
Mexican consumer prices rose 4.90 percent in August, compared to 4.81 percent in July, and above the 4.83 percent analysts had forecast in a Reuters poll.
The central bank hiked its inflation estimates for this year and next year at the end of August, predicting inflation would approach its 3.0 percent target by the first half of 2020.
Consumer prices rose 0.58 percent in August, according to non-seasonally adjusted figures.
The core index, which strips out some volatile food and energy prices, rose 0.25 percent during the month.


Death vs Monstars is back with four bosses, shields, upgrades, beam weapons and what not! Use shields, death rays, bullet time and shock wave upon enemies.
Addicting game, loved it, played for 2 hours straight.


Description : Candles are traditional symbols of the holidays. This beautifully embroidered Red Candle pattern has green pine and silver elegance stitched on a cream background. This classic pattern is edged in poinsettia cutwork allowing it to shine the winter season. This unique design has a long flat edge that fits along a wall on your mantle, piano or entertainment system allowing the front and sides to drape beautifully or it can be hung as a valance as well. Beautiful features!


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On Dupont Circle: Franklin and Eleanor Roosevelt
In On Dupont Circle: Franklin and Eleanor Roosevelt and the Progressives Who Shaped Our World (2012, Counterpoint Press), Author James Srodes offers an inside and sometimes scandalous portrait of the twelve young men and women who made up the famous Dupont Circle Set.
Prize-winning author James Srodes offers a vivid and scintillating portrait of the twelve young men and women, who, on the eve of World War I, came together in Washington, D.C.'s Dupont Circle neighborhood. They were ambitious for personal and social advancement, and what bound them together was a sheer determination to remake America and the rest of the world in their progressive image. Read more →
Books Eleanor Roosevelt, FDR, Political History, World War One, World War Two Leave a comment
Americas First African American Woman Judge
A long overdue biography of the nation's first African American woman judge elevates Jane Matilda Bolin to her rightful place in American history as an activist, integrationist, jurist, and outspoken public figure in the political and professional milieu of New York City before the onset of the modern Civil Rights movement. Jacqueline A. McLeod's, Daughter of the Empire State: The Life of Judge Jane Bolin is published by the University of Illinois Press (2011).
Bolin was appointed to New York City's domestic relations court in 1939 for the first of four ten-year terms. When she retired in 1978, her career had extended well beyond the courtroom. Drawing on archival materials as well as a meeting with Bolin in 2002, historian Jacqueline A. McLeod reveals how Bolin parlayed her judicial position to impact significant reforms of the legal and social service system in New York.
Beginning with Bolin's childhood and educational experiences at Wellesley and Yale, Daughter of the Empire State chronicles Bolin's relatively quick rise through the ranks of a profession that routinely excluded both women and African Americans. Deftly situating Bolin's experiences within the history of black women lawyers and the historical context of high-achieving black New Englanders, McLeod offers a multi-layered analysis of black women's professionalization in a segregated America.
Linking Bolin's activist leanings and integrationist zeal to her involvement in the NAACP, McLeod analyzes Bolin's involvement at the local level as well as her tenure on the organization's national board of directors. An outspoken critic of the discriminatory practices of New York City's probation department and juvenile placement facilities, Bolin also co-founded, with Eleanor Roosevelt, the Wiltwyck School for boys in upstate New York and campaigned to transform the Domestic Relations Court with her judicial colleagues. McLeod's careful and highly readable account of these accomplishments inscribes Bolin onto the roster of important social reformers and early civil rights trailblazers.
Author Jacqueline A. McLeod is an associate professor of history and African & African American studies at Metropolitan State College of Denver and co-editor of Crossing Boundaries: Comparative History of Blacks in Diaspora.
Books African American History, Civil Rights, Eleanor Roosevelt, Gender History, New York City, Political History Leave a comment
New Deal Youth Exhibit in Woodstock
A new exhibition opened Saturday at the Woodstock School of Art (2470 Route 212, Woodstock) entitled &#8220A New Deal for Youth: Eleanor Roosevelt, Val-Kill Industries and the Woodstock Resident Work Center&#8221.
The exhibit offers a rare chance to see furniture, pewter, and weavings from the Roosevelt-Vanderbilt National Historic Sites' collection of Val-Kill Industries pieces- photographs and historical documents from the Woodstock School of Art's and Woodstock Historical Society's collections- and video recollections of living descendants of some of the young people who worked at the Craft Center.
The exhibit, which is free and open to the public, will remain on view through November 5th. Gallery hours are Monday-Saturday, 9am-3pm.
Exhibits Eleanor Roosevelt, FDR, FDR National Historic Site, Roosevelt-Vanderbilt NHS, Ulster County, Vanderbilt Mansions Leave a comment
Books: FDR'S Shadow, Louis Howe
Last year's FDR'S Shadow: Louis Howe, The Force That Shaped Franklin and Eleanor Roosevelt by Syracuse resident Julie Fenster has been released on paperback.
In 1921, Franklin Delano Roosevelt—the 1920 vice presidential candidate on the losing Democratic ticket—was overcome by an illness that left him unable to walk. He retired to his family estate in Hyde Park with his wife, Eleanor, who was suffering emotional problems of her own. For the Roosevelts, it was the low point of their lives. At that juncture, Roosevelt's adviser, Louis Howe, moved in with them, lifting the Roosevelts' spirits and helping to maintain Franklin's connection to the world of politics.
Three years later, against all odds, FDR was once again a key player on the national political stage and Eleanor had blossomed into the public figure we all know and love. With her signature insight and wit, Julie Fenster presents a vivid, behind-the-scenes portrait of the world of the Roosevelts during this critical time, and the unique relationship Franklin, Eleanor, and Louis developed.
The Washington Times described their realtionship: &#8220Indeed every member of both houses of the Congress has at least one 'dragon-at-the-gate' who rations access to the boss, who edits the speeches, and keeps a check on promises that cannot be kept. But the Howe-Roosevelt symbiotic relationship is a darker story and Ms. Fenster brings a new depth to it.&#8221
Julie M. Fenster is the critically acclaimed author of The Case of Abraham Lincoln and is the co-author with Douglas Brinkley of the New York Times bestseller Parish Priest and the forthcoming PBS documentary Faith and the Founders of America. Her previous books include the award-winning Ether Day and Race of the Century. She lives in Syracuse, New York.
Books Eleanor Roosevelt, FDR, FDR National Historic Site, Syracuse Leave a comment
FDR, Eleanor Roosevelt Discussion Event
The New-York Historical Society will host a discussion on Franklin and Eleanor Roosevelt Thursday, March 31, 2011, 6:30 p.m, at the New York Society for Ethical Culture, 2 West 64th St. at Central Park West, to be presented in conjunction with the building of the FDR Four Freedoms Park. The program features historian Douglas Brinkley, Ambassador William J. vanden Heuvel, Roosevelt scholar William E. Leuchtenburg, and author Hazel Rowley.
In his State of the Union Address on January 6, 1941, President Franklin D. Roosevelt looked forward to a world in which everyone enjoyed four essential freedoms: freedom of speech and expression, freedom of worship, freedom from want, and freedom from fear. These values were central to both Franklin and Eleanor Roosevelt, who made it her personal mission to codify those rights in the United Nations' Universal Declaration of Human Rights. Experts discuss the speech and its far-reaching influence, and also delve into this extraordinary couple's influence on one another.
William E. Leuchtenburg is a professor emeritus at the University of North Carolina at Chapel Hill, a former Bancroft Prize winner, and the author of six books on FDR. Hazel Rowley is the author of several books, including Franklin and Eleanor Roosevelt: An Extraordinary Marriage. William J. vanden Heuvel is Chairman of the Franklin D. Roosevelt Four Freedoms Park, LLC, as well as Founder and Chair Emeritus of the Franklin and Eleanor Roosevelt Institute. Douglas Brinkley (moderator) is a professor of history at Rice University and a fellow in history at the James A. Baker III Institute for Public Policy. He is a member of the board of the Franklin and Eleanor Roosevelt Institute.
The cost is $20 for non-members- $10 for members. Call SmartTix at 212 868-4444 or visit SmartTix.com to purchase tickets.
Photo: The Franklin D. Roosevelt Four Freedoms Park is a memorial to Franklin D. Roosevelt and the Four Freedoms, located at the southernmost point of Roosevelt Island, in the East River between Manhattan Island and Queens in New York City. It was designed by the architect Louis Kahn.
Uncategorized Civil Rights, Eleanor Roosevelt, FDR, Gender History, New York Historical Society, Political History Leave a comment