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The Fundamentals Of Social Safety Incapacity

Social Safety Administration is a government agency which is independent from all branches of the government. Medicare is a social insurance coverage program that gives health insurance protection to persons who’re both age sixty five or over, or that meet different standards. In case you’ve applied for social security disability advantages and haven’t been in a position to get your disability recognized, it is not too late to convey a Social Security incapacity legal professional on board security administration

If you want the Social Security Administration to aim to ahead a letter, you have to send the SSA a written request. The price settlement and charge petition process will not be interchangeable. Of the factors, a very powerful part is that the deceased will need to have earned enough work credits and have paid their Social Safety taxes instantly to ensure that their survivors to qualify for this security administration

As a …

Based Enterprise Details And Statistics

The allure of a house based enterprise is very sturdy nowadays with uncertain financial times and the pressures of working long hours for less pay. Most sales individuals are on the street and with the event of cellphones, can discover themselves below siege by phone clients after they least must be. Ring across the various sales individuals, introduce your corporation and provides estimates on your price.

A far more exact answer (having to do with tax records) might be discovered in the Internal Revenue Service website () under “Small Business” – “Starting A Enterprise” – Record Holding.” There are, as we have seen, reasons apart from taxes to keep data, so let’s get again to the assertion “all data having to do with money circulation into and out of your corporation.

Marketing – anyone who has been in enterprise (any sort of business) for any length of time has heard …

Business Development Methods

Even the very best marketing strategies must be revisited, if not revised. With both ads and boosted posts you are able to goal the viewers you need to attain. Customers, be it businesses or shoppers, will search the online over 60{a639923f044e0de9ca8a96849221217eb1e03216477f987c489d17ea20d094ba} of the time before making any buying decisions. The checklist above is just a short record of a number of the ways you’ll be able to spend your marketing finances, and as a small business owner, I know that some of these look too expensive and out of reach.

Folks are usually much less passionate about these services than merchandise equivalent to well being and wellness, which comprise the majority of product traces for many other network marketing. Marketing benchmarks will be seen printed on the Internet. Changing prospects into prospects is a vital objective of B2B marketing.

A marketing motion plan is what you create while you wish …

Business Development Strategies

As your organization grows, a business development consultant might help you manage the growth to insure your online business stays worthwhile. An excellent guide will then be able to lead a strategic planning process by which the advisor, you and your staff collaborate on creating an expanded plan in which your ideas and desires are combined with the advisor’s to create a plan that is much better than anyone alone may development

Enterprise analysis entails the examination of an organization’s working structure, strategies, policies, and many others., and formulating corresponding plans and initiatives for his or her improvement. In a brand new business improvement it is a visionary process, by which a course for the enterprise could be identified and a systematic and orderly processes could be established as a part of the overall marketing development

If you are going to actually help your clients to develop their companies then …

Beginning A Business? Inventory Your Entrepreneurial Expertise

Starting a enterprise, particularly forming your organization, might be achieved independently. In an overall sense, the quantity of income should exceed the costs of the business, and the aim of any sales and advertising plan is to ensure that that is, the truth is, the case. A small-demand business is a enterprise that has very few customers, or a low demand for its services or products.

Cash-making ideas simply check with ventures which might earn money. There isn’t any level in beginning a enterprise the place there is no demand for it. Needless to say all people and their mommas are making tutus, however there’s nonetheless a market even when you’re first beginning.

Entrepreneurship requires a revolutionary thoughts, who can creatively promote ideas in the hardest occasions of recession and construct a successful and thriving business. That is real, and the rationale so many begin-up companies fail. Branding is the …

Market Analysis

What is business development? Whereas some business owners take time early on in the growth course of to design their own logos, these logos may be similar to others within the business. The business accelerator’s emphasis is on accelerated and sustainable growth, and to eliminate organizational, operational, and strategic bottlenecks that stop the client firm from development

But, management consulting has lengthy been a booming market with quite a few players, each massive and small, providing their recommendation to firms. In fashionable occasions, the evolution of the insurance trade has seen the development of investors underwriting insurance development

Many small companies categorize their gross sales efforts as business improvement reasonably than sales. Planning can assist enhance all the parts of your business, especially your human resources. For a lot of that description is slightly uncomfortable, but an expert guide is an independent enterprise person (or firm) who works on the …

Enterprise Grants

Small Enterprise Administration is an organization funded by the American authorities which offers loans to entrepreneurs and businessmen to set up their small companies. Lowering any form of paperwork for getting a small business mortgage or homebased business loan is a particular plus when searching for capital for your corporation. For lots of the businesses on the verge of transitioning into the federal government contracting area, the appliance and documentation process associated with minority certifications is intensive and might be intimidating.small business administration

This system’s detractors are usually those firms that fail to acquire eight(a) standing or that do not meet the definition of socially disadvantaged, i.e. businesses owned my white American males (that is a can of worms we won’t open this week). It is a federal government agency that has come via for many small companies.small business administration

Those who are unable to get hold of every other type of funding possibility, …

Makes use of Of Business Plans

Today most consultants will advise you to create a enterprise plan before you decide to take the risks which might be related to beginning a enterprise. This platform is especially highly effective and can be used for a spread of business fashions, from very simple to the most refined plans imaginable. To accomplish this, the plan must element buyer desires and wishes and prove that the corporate’s choices specifically meet these wants.

A giant a part of your plan that many people overlook is setting targets. Each enterprise, large or small, has unlimited scope to develop if it plans and implements correct enterprise progress strategies. This could include a clear description of all your current monetary sources and what, if any, extra assets the start up would plan

The disadvantages are, first of all, it is time consuming; secondly, if your business plan is going to be used to secure …

Making Ideas

With all the cupboard refacing business alternatives out there, you could have a home based business that grows in this expanding trade. I have been involved in lots of enterprises in the past that supply products that individuals want but don’t at all times want. You may promote ebooks, audio merchandise, special newsletters, and reviews. I at all times assume that the main thing with any business alternative is providing something to those that they want.

The market is limitless as a result of the fact that nearly everybody loves the considered sleeping under the night time sky and most of the people have a number of bedroom ceilings of their residence. There are different small enterprise alternatives on the market that don’t require a whole lot of capital to get it opportunities

Stands regularly promote for 5 figures when the owner is able to market it is as a …

Small Enterprise

Do you need to put up your personal cleaning enterprise, but should not have enough money for it? More than 20{a639923f044e0de9ca8a96849221217eb1e03216477f987c489d17ea20d094ba} of enterprise homeowners stated that they’re making 50{a639923f044e0de9ca8a96849221217eb1e03216477f987c489d17ea20d094ba} plus revenue using social media. You will want to have a business plan that maps out your technique for beginning your at home manufacturing business. This may occasionally mean sending your prospects updates about how your organization is doing, new product or service offerings.

Paying more for any services or products needed to run a enterprise will result in an unfavorable situation of accelerating costs; therefore in the end driving away some of the regular clientele. 60{a639923f044e0de9ca8a96849221217eb1e03216477f987c489d17ea20d094ba} small businesses promote their business on social media.businesses

These five business areas, as associated to a plumbing business, are technique, monetary, sales and advertising and marketing, human assets and communications, and projects. New Opportunities: The web has opened up new enterprise alternatives and giving …


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Exclusive: MT4i Rebrands as FX Blue Group, Embraces Multi-Platform Strategy

Software solutions provider for the FX brokering shifts name and strategy as it evolves from a single to multiple offering.

mt4i-e1378717616216The evolving nature of the retail FX market has created a diverse operating environment. MT4i, a software solutions provider, operating since 2009 has reported that it is enhancing its core offering to comply with major changes taking place in the world of currency trading. The firm has renamed its organization as FX Blue Group with key differentiations in its retail and institutional offerings.

FX Blue Group will officially supercede MT4i from the beginning of July. The group has distinguished products for both end-users (b2c) and operators (b2b). The new strategy is a byproduct of crucial changes impacting the platform market whereby new technologies are creating a more open and interoperating landscape. The sophistication among retail investors has directed vendors to create an ‘apps’ like offering which enables traders to dictate the type of add-on or plugin that complements their trading style.

Join the iFX EXPO Asia and discover your gateway to the Asian Markets

A spokesperson for FX Blue Group explained the process of change to Forex Magnates during a telephone interview, saying: “The rebrand follows a year of developments designed to expand the scope and reach of the business, resulting in a wider service offering for brokers and traders. The company’s market-leading apps are now integrated with ten trading platforms, its core app portfolio increased from three to ten in order to meet a broader range of broker and trader requirements, and all apps are now available in 13 languages, ensuring their relevance in most major world markets.”

Suggested articles

FBS Receives Best Forex Broker Europe 2019 Award by The European MagazineGo to article >>

Complementary tools & systems is the latest trend hitting the FX markets, following on from the evolutionary developments that have taken shape over the last six years to reignite the industry. The plight of automated trading took shape in 2008 with the infamous Fap Turbo-EA causing havoc at several brokerages. This has been followed by the hype of social trading which is reaching the first phase of consolidation. The latest trend of open-ended solutions is believed to be the next big thing, as developers, traders and technologists can create useful additions that can enhance the trading experience of currency traders.John Morris Photo March 2013

John Morris, pictured, Business Development Partner at FX Blue Group, commented in the press briefing, he said: “The rebrand gives us a strong identity as we evolve the business, building on our reputation for designing and developing market-informed apps and other services which have a genuine relevance to brokers and traders.  The fact that our services work client-side (with no server integration required) enables brokers to make rapid, marketing led decisions that can be implemented, launched and adapted to reflect changing market conditions very quickly indeed.”

The congested retail broking environment has become a stale sector where brokers have little key differentiators, with platforms, pricing and products being similar. However, with an apps-based offering, brokers have the ability to build on the core terminal and customize the platform to suit the firm’s corporate objectives, additionally creating an environment that can quickly respond to regulatory, technological and general changes affecting the market.

Under the new banner, the firm is launching its redesigned website with connectivity to a number of trading platforms, and has connected to ten leading global trading platforms used by traders in the FX and CFD markets.

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San Antonio FEI Chapter 06/12/19 Weaver Networking Event

FEI-San-Antonio-Chapter-Logo-Stacked-(47).png                       Weaver-logo-(1).png
Join Weaver and other FEI members to share a
refreshing beverage, sample some bites
and network with industry leaders!

Wednesday, June 12, 2019
5:30 p.m. to 7:00 p.m.
J-Prime Steakhouse
1401 North Loop 1604 W
San Antonio, Texas 78258

This event is free to dues-paying members of the San Antonio Chapter, affiliate/sponsor members, and their registered, prospective member guests. Members and affiliates may register/RSVP by visiting and selecting this event.
Please RSVP by June 5, 2019.
For questions, to invite a guest or prospective member, or to register after the deadline, email: or call (210)383-5166.


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Financial Literacy Basics
Teaching some of lifes most important lessons

Financial literacy camps and curriculums for kids and adults

Call us today to see if we can help you

Financial Literacy Basics is committed to introducing both youth and adults to the financial fundamentals necessary to build on and grow.  While other financial literacy curriculums often put the cart before the horse by introducing quick fixes on your road to financial success through the use of investment strategies, we do things differently.  We understand that if you do not have the strong foundation of which to grow your money and understand how it works, your temporary fix will be just that...temporary, at best.

Our approach uses facilitation techniques that help participants learn and retain through interaction, role-play and discussion of scenarios that focus on relevant real life and everyday situations regularly encountered by them. These experiences are factored into the design of the curriculum and meets them at their level of understanding while guiding them to a heightened sense of awareness.

Our programs are targeted and easy to comprehend.  Class room sizes are kept to an intimate number that allows for the most in-depth learning experience possible.  As a financial professional in the business for over 16 years, I have facilitated learning curriculums for both adults and youth and have seen this method  work best.  While some instructors "talk at and to you" or lecture, we keep our participants engaged. Course work is designed for mid to lower level employees and the client base of many social service type agencies who would like to empower their personel or program recipients.

Most curriculums are designed to operate for 5 full days but can be tailored to fit your request. Classes can be held on-site at your company location or off-site. Full curriculums can also include field trips, guest speakers, cash rewards and certificates of completion.

About The President...
Iris M Henry -CFEI, a longtime resident of Philadelphia is president of ‘Financial Literacy Basics Co.’  She has owned several businesses including most recently, ‘The Best Casino Party Rental Co.’ (2010-2017) and currently is founder and president of the non-profit organization, ‘Let’s See If We Can Help, Inc.’ Since 2008, in her role as president of ‘Let’s See If We Can Help, Inc.’, she facilitates free workshops throughout various sections of the city, that focus on tangled deeds, property rights and estate planning.  These workshops consist of a panel of experts, including volunteer attorneys and numerous City of Philadelphia Departments, along with The Philadelphia Corporation on Aging.  Realizing that much of the problems arising from tangled deeds and property rights extended from lack of financial and estate planning, she decided to extend her reach to a broader audience by promoting and offering basic financial literacy curriculums.  These courses, though offered to everyone, is focused on meeting the needs of the most vulnerable and heavily impacted. Seeing how something such as bad credit can not only follow you for a lifetime, but also prevent you from getting housing, transportation and even meaningful employment was a major catalyst in launching ‘Financial Literacy Basics Co.’  Feeling that this information must be disseminated to the community at large, she started ‘Financial Literacy Basics Co.’
Ms. Henry’s introduction to the world of finance started in 1986 when she took a temporary assignment at Vanguard Group in Malvern Pennsylvania to earn extra money.  Though she was involved in setting up and operating a small business at the time, she would have the opportunity to work for the company as a full time employee some 10 years later. In addition to her position as a Registered Representative with Vanguard Brokerage Services for over 16 years, she served as a 2008 Loaned Executive with United Way of Southeastern Pennsylvania.  She attended West Philadelphia High School, Marygrove College in Detroit Michigan and University of Pennsylvania Wharton School, majoring in Business Administration and is a Certified Financial Education Instructor.  Over the years she has been a member of numerous organizations and volunteer opportunities such as The National Association of Market Developers, The Philadelphia Clef Club of Jazz and Performing Arts, Urban Financial Services Coalition, Big Sisters of Philadelphia and Junior Achievement.  She has journeyed solo to more than 30 countries across the globe and has seen not only how blessed we are to have money, but how we take it for granted, disrespect it and don’t seem to understand its value or purpose. Through her merger of experience, education, exposure and expertise, she brings with her unparalleled motivation, desire and commitment to bring education and financial literacy to the community and for the causes which both ‘Financial Literacy Basics Co.’ and ‘Let’s See If We Can Help, Inc.’ is concerned and committed.


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Connor Guide Service Photos Photos

Connor Guide Service Crew Employees

Connor Guide Service Overview About

Welcome to Connor Guide Service!  A family owned and operated guide service located in Ennis Montana.

We are privileged to offer top notch, guided and instructional fly fishing trips on some of Montana's premier public and private waters. Whether for expert instruction, family fun, or to get that local edge, our professional staff has the experience and expertise to ensure the best outing possible. Our team of Professional Guides are knowledgeable, hardworking, patient and thrilled to share their passion for fly fishing Montana with you!

Connor Guide Service specializes in drift boat trips, as well as walk and wade fishing throughout Southwest Montana

Home Waters

Madison River ~ Year Round

Jefferson River ~ Spring/Fall

Yellowstone River ~ Spring/Fall

Gallatin River ** ~ Year Round

Ruby River ** ~ Year Round

Missouri River ~ Spring /Fall

Bighorn River ~ Spring/Fall

 Private Spring Creeks

Please call or email for details

** Walk & Wade Only

Connor Guide Service Adventures Adventures

Half Day
$390.00 to $490.00
Full Day
$480.00 to $580.00
Connor Guide Service Policy

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Connor Guide Service Equipment Gear

"Be patient and calm - for no one can catch fish in anger."

- Herbert Hoover

Connor Guide Service Location Weather Ennis, Montana Weather

Fishing Guide, Outfitter
Rainbow Trout (Steelhead), Brook Trout, Lake Trout, Brown Trout


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Fincash » Mutual Funds » Power of Compounding

Power of Compounding

Updated on July 15, 2019 , 1198 views

Compound Interest is often termed as one of the most powerful tools of an investor. The power of compounding is often spoken about when the topic of multiplying money comes up. In simple words, it means earning interest on interest. In this article, we shall learn about how it works, how different is it from simple interest, the compound interest formula, the compound interest calculator and the power compounding. The example below tells us how an invest of INR 1 lakh grows over time, in 10 years, its 2.6 times its value, in 15 years over 4 times and 20 nearly 7 times. Just imagine the difference if the number was 10 lakhs invested, then the number change 10 times. in 20 years this would be worth over 67 lakhs (at a 10% growth rate).

Power of Compounding

Compound Interest Formula

Compound interest is calculated on the principal and also the accumulated interest of the loan or deposit.

Compound Interest Formula

Compounding depends on mainly three factors, i.e. the amount or principal, the duration and the interest rate. Another key factor is the frequency of compounding. It may be done continuously, daily, weekly, monthly, semi-annually, annually.

Compound Interest Calculator

Calculating compound interest over time can be done using the above formula. Using various values, one can play around and see how the final value of their investment changes over time using the calculator. This will truly show the power of compounding. Take for example how a simple SIP for INR 1,000 over 20 years grows over time.

The Power of Compounding

The power of compounding is quite remarkable and is reflected on various aspects like time, compounding frequency and while comparing it with simple interest. It is the power of compounding which grows money over time and many times over.

Time plays an important role, especially when it comes to compound interest. In the above example, Priya starts Investing in 1995, INR 5,000 @ 5% p.a. which is compounded annually for 30 years which by 2025, accumulates a sum of more than INR 20,000. Whereas, Riya starts investing INR 10,000 for the same rate of interest of 5%p.a. compounded annually for 20 years. But, in 2025, she accumulates only around INR 18,000. Therefore, the time factor can have a significant effect on an investment which helps in building a decent retirement fund, thus enabling a secure future. Hence it is quite evident that the earlier one starts investing, the better it is.

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Compounding Frequency

The frequency of compounding plays another major role in determining the returns on an investment. INR 5000 is invested @5% p.a. for a period of 5 years, in the example shown below. But, as you can see, at the end of 5 years, the values are different due to the frequency of compounding. It is observed that, higher the frequency, higher the returns on maturity and vice versa.

Though the difference in the amount of interest earned under the various scenarios is not large, an important thing to keep in mind is that you are not investing anything extra here. It is your invested money that is making more money. This concept is what makes the rich, richer.

Simple Interest Vs Compound Interest

Simple interest is calculated only on the principal amount. On the other hand, compound interest is calculated on the principal amount as well as the interest accrued on such amount.

The power of compounding is even more pronounced when compared to simple interest. For example:

In the above example, INR 5000 is invested @5% p.a. for 20 years in both simple and compound interest schemes. But, as you can see, at the maturity of the investment, the growth and returns are significantly higher in the compound interest investment.

Investments like Savings accounts, Certificates of deposit (CDs) and reinvested dividend stocks utilise the benefits of compound interest. Hence it is clear that the effect of compound interest is dependent on time, the earlier one starts investing, the better it is and it is due to this time that the investor generates returns on his/her investment.

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constellation map with black background

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Custom Night Sky Print - Framed & Matted

Just provide us with a little information and we'll create a beautiful print featuring the actual night sky for a given date and location!

We use the highest quality plexiglass for all our framed prints so you don't have to worry about any shattered glass!

Prefer to buy on Etsy? Find this Custom Constellation Print in our Etsy Store

▶ Proof: You’ll receive one to approve via email in 1-2 business days after you have placed your order

▶ Have a question? Just send us an email using the "Contact" page above

All our items are handmade order in Grand Rapids, Michigan using USA sourced materials.

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Constellation map

Very nice, affordable and with the rush fee, arrived just in time for my Grandparents 60th wedding anniversary! Can’t wait to give it to them this weekend!


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it all began with pillow

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Anniversary Custom Pillow

Comes stuffed with a faux down insert!

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▶ Proof: You’ll receive one to approve via email in 1-2 business days after you have placed your order

 Have a question? Just send us an email using the "Contact" page above

All our items are handmade order in Grand Rapids, Michigan using USA sourced materials.

Personalized Pillow for Weddings or Anniversaries.

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University of London Featured Masters Courses
SOAS University of London Featured Masters Courses
University of the West of England, Bristol Featured Masters Courses
York St John University Featured Masters Courses
Swansea University Featured Masters Courses

Safety and Reliability Engineering ISS, MSc (Online)

    School of Engineering Logo
  • Study Type

    Distance learning & Part time available

  • Subject Areas

    Business & Management

  • Start Date

    September, January

  • Course Duration

    5 months or 27 months

  • Course Type

  • Course Fees

    Find out about fees:

  • Last Updated

    29 March 2019

University of Aberdeen offers long standing advanced learning and research of safety and reliability engineering alongside the oil and gas industry. The city hosts the European hub of the energy industry located in the city. The online programme is enhanced by tutorials, technical reports, presentations, group projects, and industry lectures.

The energy industry has historically provided immense rewards and immense challenges in terms of infrastructure development in very challenging environments. Over time there have been many learning points as a result of process which did not address the challenge sufficiently resulting in new standards of safety, assessing risk and managing the challenges presented in mineral extraction. The industry has come a long way since its start in Aberdeen in the 1970s. University of Aberdeen has acquired this knowledge and research to work with industry and train the next Safety and Reliability Engineers to continuously improve safety. This programme is highly regarded and world renowned due to its links to the oil and gas industry.

The programme is ideal if you are from an engineering, physics or mathematics background but it is also relevant to you if you studied stress analysis and thermodynamics with experience from the industry. The added value of this programme is that you can apply the discipline to other industries such as nuclear, defence, transport, aerospace, manufacturing and process industries, making you more employable and allowing wider scope for career options at graduation. You learn online and part time to help you fit learning around other activities and learn anywhere in the world where you can connect to the programme and learning facilities online.

Courses listed for the programme

Semester 1

  • Fundamental Safety Engineering, and Risk Management Concepts
  • Statistics and Probability for Safety, Reliability and Quality
  • Fire and Explosion Engineering
  • Subsea Integrity

Semester 2

  • Advanced Methods for Risk and Reliability Assessments
  • Applied Risk Analysis and Management
  • Process Design, Layout and Materials
  • Human Factors Engineering

Semester 3

  • Safety Engineering Project

Find out more detail by visiting the programme web page

or on campus delivery

Visit Us – Online In Your Country

Why study at Aberdeen?

  • This is a highly regarded programme by the industry which is informed by the energy industry in Aberdeen city
  • Aberdeen is at the heart of the European and world oil and gas industry with many multinational FTS 100 companies located in the city
  • This is a world class programme which informs the Lloyds Register Foundation Centre for Safety and Reliability Engineering
  • You are taught by industry professionals with worldwide industry experience

Where you study

  • Online
  • Full Time or Part Time
  • 5 Months or 27 Months
  • September or January start
  • There is an online programme available from University of Aberdeen

International Student Fees

View all funding options in:

Entry Requirements and Study Support

Aberdeen Online Facilities

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Other engineering disciplines you may be interested in:

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Visit the Safety and Reliability Engineering ISS, MSc (Online) page on the Aberdeen University website for more details!

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Business Focus – First Impressions

This month, we are delighted we got to speak to FIPI Member Lyn Bromley from First Impressions Training. Lyn and her company First Impressions is also an Accredited Training Provider with FIPI and so having come such a long way in the profession, we wanted to share her story, her secrets and her passion to inspire us all! Here is Lyn’s story told to us in her own words recently.

I wonder what makes us all become interested enough to train to work in the image profession? On reflection I have been interested in image and impact for as long as I can remember. Maybe it was because of a very glamorous Aunt I found inspiring when I was 7 years old. She worked in Brussels in an important job for NATO, had a wardrobe full of fabulous clothes and was full of energy and confidence. When she came back to visit she always had a handbag full of the latest make-up that she allowed me to play with. I used to play dress up with her clothes too!

At the tender age of 20 I became the manger of a finance office. I started dressing much more formally in order to be taken seriously in management meetings. Everywhere I went people were always surprised to learn my age as they always thought I was much older, so it clearly worked!

I realise now of course that I was acting out a role and that style wasn’t the real me, but it certainly served a purpose and taught me how powerful image could be.

I had the pleasure of buying First Impressions in September 2010 from Julia and Paul Campion who had run the business since 1999. Here I am pictured at the handover with my husband Nigel, who gets roped in to help now and again!

In total, the business has been now been running for 32 years. I was proud to take on the running of a leading provider of high quality core skills training and, just as important, almost the only provider of a wide range of opportunities for continuing professional development training.

First Impressions is known for professionalism and integrity and that is mixed with a warm and friendly welcome. We offer many ways for consultants to keep in touch and feel supported from our mentoring to our regular consultant forums. We enjoy inspiring and passing on our knowledge in a fun environment.

The business has changed significantly since I took over the running of it. Partly that is down to the changes I have made and partly due to the changes in the economy and technological advances. I spent time evolving the brand, creating a new website and updating processes to automate as much as possible so that I could focus on what I really enjoy doing, which is delivering the training, both to consultants and to our corporate clients.

We have always had a balance of private clients such as our trainee consultants and our business and corporate clients. We have been growing our offering to the B2B clients over the last 18 months, so our website has just undergone another makeover! We describe what we do as ‘Performance Improvement through People Development’. This encompasses our traditional image and impact work, along with communication, behavior, coaching, NLP, DiSC profiling and a whole host of other soft skills training. We have a network of consultant associates who have business backgrounds and they support us in delivering workshops and coaching to these clients.

The most important aspect for consultants, over and above their skills training, is to hone their business development skills. They can have great technical skills, but if they have no clients, the business will clearly not be sustainable. The most successful consultants are those who have both excellent technical skills and excellent business skills too. We deliver courses to help them with this and we also offer on-going coaching programmes to keep them motivated and supported.

I love what I do and have a great team of trainers and support staff who are a real pleasure to work with. I love the variety – every day is different and I get real pleasure out of helping people to develop and grow and reach their potential.

Our next run of courses commence on 6th June.

For full details, our full prospectus can be downloaded from

Thanks for sharing with us Lyn!


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Get The Most Out of Your Civic with Firestone Tires

When you combine a Honda Civic’s practicality with the versatility of Firestone tires, you can own the road. And it’s easy to see why. In addition to your vehicle’s features, Firestone tires are engineered to meet a number of needs: Fuel efficiency, performance in wet or dry road conditions, and durability over long distances. Need to get the most out of your Honda Civic? Equip it with Firestone tires.

Please tell us what you drive so we can show tires that fit your vehicle.

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Credit Card Companies are Wooing the Wealthy

Credit Card Companies are Wooing the Wealthy

This is a guest post from Jim Sloan.

If your mailbox is filling up these days with zero percent balance transfer offers and other goodies from credit card companies, consider yourself among the elite.

Credit card companies, stung by new federal regulations that are preventing them from making money through punitive interest rate increases and penalty fees, are redoubling their efforts to court only the best customers with the best credit cards… The ones who don’t mind paying fees for services now and then.

According to the Associated Press, consumers who have excellent credit scores – earned by paying their bills on time and keeping their credit card balances a fair distance from their credit card limits – are receiving two out of every three mailers sent out with offers for such things as zero-percent-APR credit cards and no-fee balance transfer offers. Before the recession, these so-called A-list spenders received less than half of the offers.

Is this a dubious advantage of being wealthy? Some of the things the credit card companies are doing to lure this elite group include:

  • Zero percent interest for up to a year on new purchases and no interest for up to 18 months on balance transfer credit cards
  • Accelerated rewards
  • Waived annual fees for maintaining a certain balance – in the case of one Bank of America premium card, the required balance is $50, 000
  • A free companion ticket once a year when you purchase airline tickets. This offer is from Citi’s new ThankYou Prestige card, which carries an annual fee of $500
  • No foreign transaction fees, such as in offers from American Express, Chase and Citi

Why all the interest in the wealthy?

Credit card companies still have bitter memories of 2009, when they had to write off more than $8 billion in unpaid credit card debt. This has prompted them to reduce the amount of credit available to their customers. According to the Associated Press, the industry has cut its overall credit line to $1.5 trillion – about a third less than what it offered in 2007.

That $8 billion write-off has also convinced them to make those of us with fair to middling credit scores pay for it. We B-listers have our finances more or less under control, but we make an occasional late payment and frankly we’re not big spenders. We can still get credit cards and do a credit card balance transfer, but we should expect higher interest rates and annual fees.

According to The Grand Rapids Press in Michigan, even the best credit cards offered to second-tier cardholders come with annual fees of $39 to $59 a year. Last year, we weren’t being asked to pay any annual fees. Bank of America recently slammed members of this group – particularly those who carried a balance close to their card limits or who had been late a few times – with a new $59 annual fee. If you didn’t have any other accounts with Bank of America, such as a mortgage or a savings account, you also got a letter about the new fee.

Life under the new law

But wait a minute. Isn’t there a law about randomly imposing new fees?

The Credit Card Accountability, Responsibility and Disclosure Act, or CARD Act, prevents companies from raising rates on existing balances, bumping the interest rate on your card during the first year, and charging more than $25 in penalties when you make a late payment.

These kinds of now-banned acts are what made the second-tier cardholders somewhat profitable for credit card companies, even with that walloping write-off.

But with those revenue streams now pinched off, the card companies are just, well, raising fees and raising interest rates. The average interest rates being offered to second-tier consumers is 22.57 percent, up from 19.07 percent just a year ago. The new law didn’t say credit card companies couldn’t raise rates. It just said they had to be more open about it.

And some banks are offering cards that reward customers who pay on time with reduced interest rates. For instance, TD Bank, a New Jersey unit of Toronto-Dominion Bank, gives customers a 50-percent reduction in their interest-rate-based finance charge when they pay at least 10 percent of their outstanding balance. And Capital One has a card that offers 1-percent cash back on purchases when the customer pays on time. The card is marketed to college students and typically carries a low credit limit.

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2 Responses to “Credit Card Companies are Wooing the Wealthy”

  1. Anonymous

    Did all the credit card marketing people just come from Coca Cola? Their marketing mix is sharp, timely, and adaptive. They have people sitting around like Nasa, just thinking sh#t up. How can we make more money, let’s target the rich?

  2. Anonymous

    Ah, life as we knew it before Providian!

    It may be hard to believe but most of what contributed to the electorate’s anger towards credit cards, thus the CARD Act despite the powerful bank lobby, were all innovations of the last 15 years. My dad had to co-sign on for me n my first card (with a $500 credit limit and $20 annual fee) because banks didn’t just give out credit to just any one. In some ways it was a status symbol, before the day teenagers had their own.

    Somehow, I think the future of credit cards will look more like the last decade than the ’80’s & ’90’s. However at the moment there is a huge pulling back, which will probably last for a few years before the banks loosen consumer credit again. As banks figure out their “new normal.” Thankfully most of the established retailers maintained layaway programs even in the ‘credit card crazed’ phase, so “B-listers ” or below still have access for larger purchases.

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From the Archives (November 4th – November 17th)

Here are some of my favorite FiveCentNickel (subscribe) posts from a year ago these past two weeks:

» Gas Prices Drop, American Car Buyers Forego Economy
» My Best and Worst Money Moves
» Checkbook Security: Keep an Eye on Your Checks!
» Undoing Roth IRA Contribution Mistakes
» Roth IRA Contribution Limits: How the â€˜Phaseoutâ€™ Works
» What is Modified Adjusted Gross Income (MAGI)?
» Income Limits for Converting Traditional IRA Funds to a Roth IRA
» Reward Credit Cards – Whatâ€™s in My Wallet?
» The Social Security Tax Ceiling

And here’s what was going on two years ago:

» The Three Worst Reasons to Buy a House
» The Least (and Most) Expensive College Towns
» Selling Travel Certificates on eBay
» Money Moves for 2006, Part 1: Your Home
» Money Moves for 2006, Part 2: Your Portfolio

Finally, this is what was happening over at Raising4Boys (subscribe) last year:

» Donâ€™t Let Your Kids Get Ahold of Your Checkbook
» Raw Meat, Cat Poop, and Lotsâ€™O’Boys
» Most Kids Not Getting Second Dose of Flu Vaccine
» Mazes, Mazes, Mazes (And All for Free)

Leave a Reply


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Tuesday, September 23, 2008

I've Been Doing This For Years

I've been recycling boxes and packing peanuts for years. I even had the idea of selling packing peanuts on eBay that I got from a local health food store back in 2000.

Looks like a new company is making a business model out of it while helping businesses and consumers (eBayers) out as well.

Your other "free" alternative is going behind a Staples or Radio Shack and helping yourself.

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Monday, November 03, 2008

Throwing money in the trash?

I had promised a post about Daring Fireball's John Gruber last week ...

I had a lot to plan for my October 31 costume party so I didn't have a lot of time to get anything posted (or written) ...

So, here's one more teaser.

Back in March 2008, Gruber posted this:

This kind of shocked me - that even if wealthy - Gruber was throwing money away.

Then, last week, I saw a post linking to a sponsorship page. Apparently, Gruber charges $2000 a week for sponsoring his feeds on his website. WOW! But, if he charged a penny less, his sponsorships would be $1999.99 - under $2000! All he would have to do is keep 52 of those pennies that he found ... or threw in the trash.

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Wednesday, February 04, 2009

Aptera officially announces the 2e

One of my most linked to articles is:

Apple: The Only Company Capable Of Revolutionizing The Car Industry

As reported by AutoBlogGreen:

... Aptera's 2e electric car, now on display at this year's Technology, Entertainment, Design (TED) conference. The 1,500-pound aerodynamic vessel has just a 0.15 coefficient of drag and features a smart key, emergency tire inflation, and energy-reflective solar glass. Inside, [it's] got LED dome lights mounted overhead, a DVD-based navigation system, optional rear backup camera, and interior fabrics / plastics made from recycled materials. The company's still touting 100 miles on a single charge of the 10 to 13 kWh lithium ion phosphate battery pack. No new details on price, which we last heard would be between $25,000 and $45,000 ...

I do have one quip about one feature - the DVD based navigation system. This item almost certainly has to weigh more than an iPhone/Garmin solution or integration. One of the reasons Aptera has interested me so much is their PR regarding weight saving wherever and however they can make it. A pound is a pound and over ten years of driving could add up to a meal at McDonald's in savings. It seems trivial but I thought it worth noting because of their extensive mention of this in the media.

I'll maintain that with the car industry failing - it seems ripe for Apple to jump in just as they did with the iPod (and really even with the iPhone) to shake things up - I think Aptera has the most going for it and Apple's $20 billion (or say $5B of it) would be perfect for making this a reality for everyone in the USA and abroad - they should buy THIS company! It could also create a lot of jobs right here in the US.

Anonymous said...

If Apple Bought the Aptera company, the first thing they would do is raise the price $10,000.00

fixyourthinking said...

Ha ha ...

Actually ... with them considering a $25,000 price tag - a bump to $35,000 would certainly help Aptera out.


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Sunday, April 21, 2019

14 Best Way To Increase Adsense CPC Rate And CTR In 2019

You could not simply ignore the value of AdSense optimisation, if you're a Webmaster/Blogger and AdSense is your target source of revenue.
adsense cpc keywords

There are several things to complain about AdSense optimization.
However, the primary goal is to achieve high eCPM or get high costs per click. Otherwise, you may not be making a lot of money, despite the positive AdSense CTR. The non-English website is familiar with all of this.
If you're in the AdSense section of publisher who receive massive traffic, whereas AdSense profits remain low. It is time to examine what are mentioned below. So Google Adsense CPC and overall profits will certainly increase.

Trending Topic, how can I increase or boost my adsense CPC in any countries.

AdSense has proven itself to be one of the easiest ways for a webmaster to make money, only if you have high cpc paying Ads.
AdSense is truly the most efficient way to making a money from a website as you don't have to do any selling.
AdSense deals with all of the money and contacting advertisers which leaves the webmaster time to promote their site. However, there are many webmasters struggling to earn any kind of decent money from adsense.
While on the other hand their are a fortunate few that are earning a great deal up in the hundred even thousands of dollars a day range.

The greatest thing about the internet is that people are willing to sharing information and the top AdSense earners are often more then willing to share there secrets and tips of what they do.
The webmasters that have been there and done it and are now earning income daily from their websites have a ton of great tips and helpful advice for those just getting started in the field of AdSense and contextual advertising. Some of these tips can quickly boost earnings and help to continuously grow a webmasters income.

What you must Understand by the words AdSense CPC:

C.P.C represent Cost per click, which mean you make more money per/click on your blog.
Reason that Affect AdSense C.P.C:

1. Pick a Niche that have high CPC keywords

When optimizing high cpc adsense keywords, it's one of the most important tips to choose the correct niche on your blog / website.
Cost per click (CPC) for an ads, depends on the particular topic you keywords publish on your blog. Well, well! Well! Allow me to clarify one thing, here that you're going to choose niche. However, there are niches that can pay you high CPC.
Check how to get Adsense Approval

2. Allow Block Ads:

 Allow Block Ads is accessible in Google AdSense. You can go and see how much each ads categories is paying you. This shows you various categories of ads that appear on your website. If you find that any ad category that does not pay a lot, please block it.

3. Platform

If your blogs are reads on various platforms such as desktop computers, laptops, mobile, etc.
Although CPC is usually not greatly affected by the advertising platforms, you should do your best to target as many readers as possible. You will get most of the readers from desktop and laptop devices.

4. Country:

 Is part of the important procedure that can boost or increase CPC. E.g A click on ads from USA can give you up to $2 to $3 depending on your domain authority and main keyword.  Click from India area can provide you only 20 to 30 cents, which is pretty low.
Top 25 Countries With High Adsense CPC
Highest CPC countries Base on Adwords bids

Many countries are working to get a high CPC but top 25 countries are listed below in ascending order:

  1. Canada
  2. Australia
  3. United States
  4. United Kingdom
  5. Germany
  6. Switzerland
  7. Marshal islands
  8. New Zealand
  9. Brazil
  10. Italy
  11. Chile
  12. Jamaica
  13. Finland
  14. Turkey
  15. Norway
  16. Ireland
  17. The Dominican Republic
  18. Sweden
  19. Iceland
  20. South Africa
  21. Portugal
  22. Lebanon
  23. Japan
  24. Spain
  25. Greece
These top 25 countries got the highest CPC because they are very targeted to the advertisers around the world.  The variation of high ranking is more in American Countries and compared that to Asian countries with low CPC.
It will interest you to know that a single click from any of the countries above can fetch you between $3- $100  per 1000 traffic but it depending on "topics or keywords".
You may also get annoy or you can  course google if you get clicks from Countries  with low CPC that can give you as low as $0.001 to $0.05 per click.
The sorting of countries in the above list is based on personal experience and research, You have the right to disagree with it.

5. Text, Image Format And AdSense Placement:

AdSense ad placement is a place where many webmaster leave money on the table. You see they sign up and get the ad units up and on their site. However, they bury the ads down at the bottom of the page well hidden from most users. Many webmasters do this because they don't want their site to be filled with too many ads as they feel it ruins the design.
While most will agree that the ads are not the most attractive element if you are even reading this article then obviously you are looking to earn more from AdSense so just get rid of the notion of a beautiful site and instead focus on a money producing site no matter what it looks like. In fact some of the top earning sites are the ugliest.
Picking right Ads format will surely boost your income. For example. Ads Width: 728px and Height: 90px will be ok as website header banner. Keep it in mind, you should "always pick right ads format for your blog".
Note: Try to change your ads placement for every 7 days, in other to get high revenue and know the on that suit your blog.

6.Best Ad Unit

The one ad format that seems to consistently earn more then any other ad and also the one that is favored by the majority is the Large Rectangle (336X280). This ad format has the ability to create a higher CTR, or the click-through rates. Why does this ad tend to outperform all of the others when there are so many other options out there? Basically because the ads will look like normal web links, and people, being used to clicking on them, click these types of links. They may or may not know they are clicking on your AdSense but as long as there are clicks, then it will all be for your advantage.

7. Keep Experimenting

In conclusion I would only say if you follow and implement these 10 tips then you can surely increase your AdSense revenue from 30% to 40%.
It is completely legal and genuine way to increase your earning in short time. You can also search for highest CPC AdSense Keywords and compile one-two posts around it.

8. Choose Big Ads:

AdSense advertisements come in a variety of formats and sizes, so you can tailor the formats to see which one works best with your blog or website. Having an advertisement that looks good on your blog or site is important, but keeps in mind: the size large advertisements have long proven to give the best payout. Maybe this is because the ad is right in any visitor's face, or maybe it's because that size can display video ads.

9. Use multiple ad units to maximize conversion:

A simple way to increase your AdSense click rate and revenue is to place ad units of more than one type (AdSense for content, link, and search) and in different sizes on your pages. This way, your users are served more ads from Google's large ad inventory, increasing the probability that they will end up clicking on one of them. Make sure that the best-located ad on your web page shows up first in your HTML code. This will ensure that your most visible ad real-estate is taken by ads that place the highest in the auction-increasing your revenue.

10. Build an audience before setting up AdSense:

Though it may be tempting to set up AdSense on your website right after you've published the first piece of content the temptation should be avoided if you really want successful from AdSense. Cluttering your website with ads before anybody really knows about it will likely put visitors off, and consequently, they'll be less likely to share or link to it. This limits your ability to emerge as an authority in your niche.

11.Publish high-quality content on a constant basis

This really is very important to having success with Google AdSense, the other points are all just tips to help in one way or another but when it comes to AdSense earnings, content really is most important. To make it simple if you don't have traffic, you won't make money but more traffic then you will make more money.
Hence quality and more quantity content will impact  high AdSense CPC rates. For example, the more CTR on a specific URL the higher the high C.P.C. Based on google adsense algorithm, if your content happened to be on "first page position 8" serp, the higher the CTR, the more you rank high till you get to position one in the serp. Means the advert that will display on that specific URL will be high paying Ads. Specifically, quality content is what search engine(S.E) loves, Means more click and more revenue if your ad is highly targeted and your traffic is from the countries like U.S.A, U.K. When you do a Keyword research, make sure to use Approximate CPC column.
12. The Domain Authority Of Your Blog Is Important
Google reads at your current website's authority and sees its importance for the most highly paid keywords. The highest cost keywords will be used for a blog that has higher authority since Google looks upon its advertisers.

13. Enable Placement Targeting:

This allows advertisers to include your website in their campaign, either by name or by targeting an interest group. Placement targeting should be enabled by default, but if you're using DFP you may need to take a few additional steps.

14. Monitor Your Success:

No matter You should keep a log of the achievement of your ads on your blog or website. You're not going to wind up failing if you don't survey your ads. You'll be able to pin point which ads work, which don't, and over time you may discover that certain ads work best at certain times throughout the year while others work best at other times.

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AutoMate is now Fleetio

We were never 100% satisfied with AutoMate as our product name, so we decided to make a change before we launch publicly. We think Fleetio is easier to remember and is more in tune with our vision & approach to vehicle/fleet management.

Why change?

  • We found ourselves always saying “it’s AutoMate…with a capital A & M” when we described our product. It just felt clumsy.
  • “automate” is such a common word, users had a hard time finding it through a search engine if they couldn’t remember the URL.
  • is an OK domain name, but it has the extraneous “app” pasted to the end. Now we have a more pure domain name,, and even snagged too.
  • Fleetio is just down right more fun to say. Try it for yourself. We hope you’ll like it as much as we do.

Tony Summerville

Tony is the CEO and founder of Fleetio and a passionate thought leader who lives at the intersection of transportation and technology. As a competitive swimmer growing up, he was once ranked 5th in the nation for his age group.

Marvin hardy iii headshot.48x48 Meghan saunders headshot.48x48 Dylan scroggins headshot.48x48

Questions? Give us a call!

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Zacros America, Inc.

From pharmaceuticals to personal care products, Zacros offers value-added flexible packaging to increase the convenience, safety, and user-friendliness of your product. Backed by our expertise and propriety technologies in lamination and pouch-converting, we work hand-in-hand with customers to innovate for the future, creating unique and customized packaging to support more comfortable lives. Whether you need spouted pouches, stand-up pouches, IV kit bags, BIB liners, or Cubitainers, Zacros has got you covered.

185 Admiral Cochrane Drive, Suite 105, Annapolis MD 21401

P: 410.694.0800 E: fpa@flexpack.org

©2019 Flexible Packaging Association. All Rights Reserved.

Disclaimer | Privacy Policy | Site Map | Press Room | Contact Us


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Favourite airline: British Airways
26 % of bookings on this flight route are made with British Airways, Swiss and easyJet.
British Airways
10 %
8 %
8 %
Tip: book 5 months before departure
The best time to find a cheap flight on this route is 5 months before travel. Save up to 43 %.
166 days before departure
Direct flights are cheaper
Flights with a stopover are on average £14.00 more expensive than direct flights.
non stop flight
1 stop
2 stops
01h 50min
06h 05min
09h 40min
The favourite connection is non-stop
Flights from London to Zurich are most frequently booked as a direct flight.
Direct flights
01h 50min, from £92
28 %
1 stopover Frankfurt-Main
11h 05min, from £125
12 %
1 stopover Geneva
12h 30min, from £120
11 %
Return from £92.00
The best return flight offer is currently available with a departure on 17/09/19 and a return on 24/09/19.

Sightseeing in Zurich

The wonderful city of Zurich is located at the north end of Lake Zurich in Northern Switzerland. It's a fantastic holiday destination with plenty of culture, shopping, historical and sightseeing tours. This amazing Swiss lakeside city has an easy-going atmosphere, is safe and child friendly with lots of things to do and see. Whether visiting Zurich on a business trip or family holiday, venture outside the comfort of your hotel or hostel accommodation to enjoy the sights.

Summer in Zurich

The best time to travel to Zurich is during the summer months which can be quite hot. Spring and autumn however can be quite cool and mild while the winter months of November-December are sometimes cold as well as foggy. Plan your visit to Zurich to coincide with the city's many holidays and festivals like the Medieval Sechseläuten Festival held in April. This is an exciting parade and "burning of Winter" in the form of an effigy called Böögg. In August there's a wonderful street parade, a Techno Festival while September sees the Knabenschiessen, a target shooting event.

Multilingual Zurich

Laid back Zurich is a multilingual city where most of the friendly locals speak German, French or English. The cost of living in the city is higher compared to London and the UK in general by around between 20% and 40%. Cheap meals will set you back around 25 Fr.

Zurich transport

When it comes to transport to get to and from Zurich airport to the city centre, it is best to take the train. Board the train from Level 2 at the airport by the shopping area opposite the arrivals hall. A single ticket will cost you about 6.60 Fr. There is also the Tram 10 (airport to main station) taking approx. 40 minutes, this will cost in the region of 6.60 Fr (same ticket as for trains) or several buses. Both the buses and trams stop at the airport ground floor (Level 1). Alternatively, travel into Zurich city centre from the airport by taxi, expect to pay around 70 CHF.

For accommodation, hostels are cheapest, costing approx. 34 CHF per night (shared room). Hotels are around 120 Fr. Central Zurich is quite compact so you can easily walk or cycle around the city. There's also the ZurichCard, which is a public transport ticket with special offers for some museums and other attractions. Travel on the trams, boats and subway to visit various attractions with a day pass.


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Same Day Delivery in Greater Columbus

(614) 256-6646     Login      Cart (0)
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Sympathy Planters

Planters, Green & Flowering Plants Appropriate For The Viewing, Service or Home

Flowerama Columbus, Ohio is a family owned and operated floral design firm. We have been operating in the Columbus area for many years. Our company has been voted "Best Florist in Columbus" the past 5 years in a row!

We offer the best selection of sympathy plants and planters in the central Ohio area. Our expert floral design team is experienced and extremely talented. Event though we have a great selection of planters that are ready for immediate delivery, we can also expertly design a planter to your specifications. That way, if you would like us to add a few fresh cut flowers, or other personal items to your planter, we can certainly do so. We invite you to stop in at any of our 4 Flowerama locations. They are conveniently located in Columbus and the Franklin County area. Please feel free to contact us by phone or shop our website to select the perfect planter for your needs.

Nationwide Same Day Flower Delivery         Local Same Day & Express Flower Delivery


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Pilot Training Programs - AeroGuard

AeroGuard Pilot Training Programs

Setting the stage for a lifetime of success

At AeroGuard, we offer three unique pilot training programs to help you realize your dream of becoming a pilot. Each program has a carefully optimized curriculum designed to help you master the skills you need to become a commercial airline pilot.

AeroGuard’s fully integrated training programs combine safety, quality, & efficiency to ensure your success in the industry. After graduating from AeroGuard, cadets are confident and well-prepared to make a smooth transition to the airlines. This is due to the fact that AeroGuard has adopted many of the same training styles and techniques of the major airlines. Most importantly, we deliver an exceptionally high graduation rate due to our strong commitment to student success.

Connect With An Enrollment Advisor

Begin Your Career Today!


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Growth Groups

Members and friends are provided the opportunity to come together to share personal experiences, explore the Bible together, study, and fellowship in small groups.  Our small groups called "Growth Groups," are offered on Sunday mornings, Wednesday afternoons at 12:00 pm, and Wednesday evenings when we are not in our Summer Worship schedule.


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Landfall NC

A history of Landfall NC...Pembroke Jones, a millionaire rice broker and investor in railroads, purchased what is now Landfall Wilmington, NC in the early 1900’s.  He built a mansion known as the “Lodge” in 1909.  The land was being used as a hunting preserve and he hosted many Gentlemen’s outings there.  His main residence was on what is now Airlie Rd.  He and his wife Sadie became a prominent “Society” couple.  Some say they inspired the phrase, “keeping up with the Joneses.”

After Jones died the Lodge was abandoned and in 1955 it was destroyed by fire.  The only thing remaining was the “Temple of Love,” a gazebo designed by Jones son-in-law John Russell Pope.  Pope also designed the Jefferson Memorial and some think the Temple was the inspiration to that project.

In the 1970’s Anthony B. Akers, husband of Pembroke Jones granddaughter, Jane who had inherited the property, developed the concept of Landfall as a residential community.  Akers, a New York lawyer, real estate developer and the ambassador to New Zealand under John F. Kennedy, died suddenly in 1976 while staying at the Blockade Runner on Wrightsville Beach.  Jane gave up on the idea of developing the property at that point.

The plans to develop were revitalized in the 1980’s by Landfall Associates, a partnership of the Weyerhaeuser Co, Chapel Hill developer J.P. Goforth, and Frank Hawkins Kenan, a Durham businessman.  Construction was underway by 1986 and the first clubhouse was completed in 1989.

Some believe the name “Landfall” came from the Italian Explorer, Giovanni da Verrazano, who landed on the site in 1524 on a voyage for King Francis of France.

Landfall, NC Neighborhoods

  • Landfall
  • Bay Colony
  • Birkdale
  • Drayton Point
  • Fairhaven
  • Fox Ridge
  • Great Oaks
  • Highland Ridge
  • Landfall Villas
  • Landfall Drive
  • Ocean Point
  • Muirfield Place
  • Prestwick
  • Quadrant Circle
  • Radian/Cross Staff
  • Saybrook Village
  • St Andrews
  • The Highlands
  • The Mews
  • The Pembroke
  • The Regency
  • Turnberry
  • Woodbridge
  • Neighborhood Details


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2018 (EN)

The members of the Italian parliament Stefania Covello and Assunta Tartaglione, during the visit to the Fondazione Mediterraneo and to the "Documentation Center of the Anna Lindh Foundation", expressed appreciation for the activity carried out, in particular for the interventions of "Kimiyya" by signing the manifesto produced by the participants in September 2017 in defense of women's rights.


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Dumbarton Football Programmes

We currently have:

55 home programmes and 81 away programmes

You searched for Dumbarton home and away programmes and memorabilia. Refine your search using the Dumbarton selection on the right to get the football/soccer programme that you are looking for, from our thousands of Premiership, Division 1, Division 2, Division 3, Division 4, International, league and cup matches that we have available.


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Organic Perennial Ryegrass

Forage Use: Grazing Dairy, Beef, Sheep, and Haylage

If you look at global grazing agriculture, perennial ryegrass is the most widely used grass for grazing in the world because of its aggressive growth and high forage quality. Use has been limited in North America but in the last two decades, usage has increased. With proper management and high fertility, perennial ryegrass can be persistent for 5 to 7 years or more in the Midwest. Companies like Barenbrug and DLF are constantly developing varieties that are better adapted to usage in the Midwest. All the varieties we select have excellent grazing tolerance.

Perennial ryegrass can be sown by its self or sown in mixtures with legumes or other cool season grasses. Planting depth should be 0.25 to 0.50 inches. Broadcast sowing into thin stands can be successful but no-till drilling is the recommended method to thicken existing stands. Plants are ready for harvesting when they no longer can be pulled out by the roots.

Successful use of perennial ryegrass requires aggressive management and high fertility. Intensively managed pastures are a great place to use perennial ryegrass. Perennial ryegrass makes excellent haylage or balage, but does not dry well for hay. Residual heights can be lower with perennial  yegrass compared to other grasses. Grazing down to about 2 inches in spring and fall is optimum but we find leaving higher residual of at least 3 inches in the summer helps persistence and overall productivity of the stand.

Certified Organic

Organic seeds are grown by certified organic growers that adhere to the strict organic practices required by the Organic Food Production Act of 1990. No chemical fertilizer, pesticides, insecticides, fungicides, or herbicides are allowed in the production of this seed. Genetic purity is maintained throughout the production, processing, and packaging of this seed. Organic certificate available upon request.

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Argentinian President Claims Former Obama Official Asked The Country To Provide Iran With Nuclear Fuel

It felt like hours, but was only a mere 45 seconds.

In perhaps the most moving moment of this weeks United Nations General Assembly (UNGA) meeting, Israeli Prime Minister Benjamin Netanyahu stared down the audience in a moment of silence that made all those there – and the rest of us watching on television – feel the weight of his message: The Iran deal makes war more likely.

Netanyahu continued, “I refuse to be silent. The days when the Jewish people remain passive in the face of genocidal enemies, those days are over.”

Israel has always reserved the right to defend itself against its enemies, a point Netanyahu hammered home this week.

Indeed, the nuclear agreement with Iran has been a hot topic in US politics, featuring prominently in the presidential campaign and across Congress. We now know that despite the fact that only 21% of Americans approve of the deal, the White House and Democrats have a bulletproof plan securing its passage.

But it appears that we don’t know the whole story.

There was a speech at the UNGA that directly relates to the deal and our methods of negotiation with Iran that was overlooked for reasons that escape me.

President of Argentina Cristina Fernandez de Kirchner addresses the 70th Session of the UN General Assembly. (TIMOTHY A. CLARY/AFP/Getty Images)

During a 45-minute speech, Argentine President Cristina Fernandez de Kirchner claimed that in 2010 a former Obama administration official asked Argentina to “provide the Islamic Republic of Iran with nuclear fuel” under the control of the International Atomic Energy Agency.

According to Kirchner, Gary Samone, who was the White House Coordinator for Arms Control and Weapons of Mass Destruction at the time, visited Argentina in the hopes of convincing them to provide reactor fuel. When the Argentine Minister of Foreign Affairs asked for the request in writing, they never heard from Samone again.

There is a backstory to this, as Kirchner explained. In 1987, Argentina supplied Iran with nuclear fuel for their “Teheran” reactor. Samone told Hector Timmerman, the Argentine Foreign Minister, that negotiations with Iran to end or limit its nuclear enrichment program  had begun and that the “Teheran” reactor was a sticking point. Iranian negotiators wouldn’t go forward without the fuel. And Argentina was the United States’ answer.

Another key juncture in this triangle between Iran, Argentina, and the United States is the story of Argentinian Special Prosecutor Alberto Nisman, his investigation of the 1994 bombing of a Jewish community center in Buenos Aries, and his mysterious death in early 2015. Just hours before Nisman was set to present evidence implicating President Kirchner in a conspiracy to cover up Iran’s role in the 1994 bombing, the prosecutor was found dead. Kirchner and her associates insist Nisman’s death was a suicide, but officials have indicated that Nisman was actually assassinated in his apartment execution-style.

Adding to the mystery, investigators also found that someone logged onto Nisman’s computer in the hours after his murder but before his mother discovered his body the following morning.

This narrative is, of course, puzzling and worrisome on a number of levels.

The mystery surrounding Nisman’s investigation and murder seem to indicate more tangible connections between Tehran and Buenos Aries than President Kirchner would like to admit. Additionally, the implied conspiracy allows us to draw revealing conclusions on more dilemmas associated with Argentina’s involvement with Iran’s nuclear ambitions and the United States’ potentially tacit approval.

Throughout the arduous Iranian negotiations, the American public has heard nothing of the backdoor deal between Iran and Argentina bartered by the United States. In 2010 there was no public talk of Iranian nuclear negotiations in US media. This makes it all the more troubling that American negotiators and President Obama involved a secondary, non-nuclear power from a continent that has long sought to keep itself free of nuclear weapons or controversy.

Additionally, this potential bilateral deal between Argentina and Iran occurred during Mahmoud Ahmadinejad’s presidency in Iran, well before current President Hassan Rouhani came to power. During this time, the Iranian leadership showed unbridled aggression towards the US and Israel. In terms of existential threats, the rhetoric put forward by the Iranian government then was far worse than that which we observe now.

Samone’s seemingly rogue dealings and, more generally, the Obama administration’s 2011 entrance into negotiations were not well known until a recent report from the Middle East Media Research Institute (MEMRI).

According to Ayatollah Ali Khameni, Iran’s Supreme Leader, Obama first reached out in 2011 through the Oman’s leader Sultan Qaboos. The Iranian interpretation of Obama’s proposal is as follows: The Americans “want to solve the nuclear issue and lift sanctions within six months, while recognizing Iran as a nuclear power.”

What’s more, according to the MEMRI report, John Kerry was already involved as an Obama ally, even with Hillary Clinton still in office as Secretary of State. Then-Senator Kerry apparently sent a letter to the Iranian regime “stating that America recognizes Iran’s rights regarding the enrichment cycle.”

The MEMRI report outlines how Iranian officials have revealed that the Obama administration initiated secret negotiations well before the American public heard anything about it. These 2011 talks put the United States directly across the table from Iranian hardliners led by Ahmadinejad. These men were by no means the more reasonable pragmatists in President Rouhani’s cabinet, especially Foreign Minister Mohammed Zarif and his colleagues, who the Obama administration have lauded for their receptiveness to Western negotiators.

The American public had every right to know Obama’s intentions in Iran in order to make an educated voting decision in 2012 and, further, to more completely understand the deal we have today.

This is not to condemn the President for taking leadership on a critical issue, but Obama’s ambitions clearly put the United States at a tremendous strategic risk on a significant issue requiring years of transparency and consistency in American leadership,. If Obama would have subsequently been unable to continue negotiations as an outgoing president, American diplomacy would have been severely weakened.

This lack of transparency is not only disturbing, but may very well threaten the integrity of our latest deal with Iran. For the sake of American leadership, the safety of our Israeli allies ,and regional stability, I surely hope our next presidential administration provides the public with more information that can help us to understand the circumstances of our nuclear agreements and major foreign policy decisions generally.

I’m a longtime political strategist, Fox News contributor and author of several books, including the recently published Putin on the March. Follow me on Twitter @Douglas...


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Drafting Contracts

drafting contracts

A significant advantage of written agreements is that they provide a verifiable reference point for parties to have regard to. This is of particular benefit where a dispute arises as to the rights and obligations of the parties, as it may assist the parties to understand the terms agreed. That being said, a poorly drafted contract may not necessarily be worth the paper it is written on. In this respect, it is best practice to ensure that a written contract accurately reflects the intentions of the parties, clearly articulates rights and obligations, along with other relevant terms. For example, other relevant terms may include monies to be paid in exchange for a particular service or goods or the timing of certain events.

When drafting written contracts, it is also important to ensure that you understand the operation of the law to maximise the opportunity for terms to be capable of being enforced and otherwise with a view to ensuring that your interests are protected and otherwise advanced. Unfortunately, it is not always easy for parties to draft reliable contracts. It is prudent to seek legal advice and assistance in order to do so. The dedicated team at Forge Legal has experience in drafting contracts over the last 30 years and have been able to assist a range of clients in relation to their contractual needs on a regular basis. Whether you require employment contracts, leasing contracts or bespoke contracts of sale or exchange, our expert team welcome the opportunity to assist you with your drafting requirements.


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Cup Brush Crimped, 5" x .012" x 5/8"-11

Cup Brush Crimped, 5
  • Cup Brush Crimped, 5

Cup Brush Crimped, 5" x .012" x 5/8"-11

Ideal for removing rust, scale, paint or other adherences on flat or irregular metal surfaces. For use with angle grinders.
Item #: 72860
UPC #: 032277728608
$38.09 (Suggested Retail)
Please enter your zip code to check availability
Enter your zipcode

Premium crimped wire cup brush. Specially designed for use on portable machines (angle grinders), electric or pneumatic. Appropriate for brushing large surfaces with a medium removal capacity. New exclusive and patented design threads allow an easier attachment and increases resistance, resulting in more safety for the user.

Product Specifications:

  • Diameter: 5" (127 millimeters)
  • Arbor: 5/8"-11
  • Material: Steel
  • Wire size: .012" (.304 millimeters)
  • Maximum revolutions per minute (RPM): 8,500
  • Tool type: Angle grinder

This product is known to contain the following chemicals:

Calcium carbonate, Aluminum Oxide, Titanium Dioxide

This product can expose you to chemicals which are known to the State of California to cause cancer and/or birth defects or other reproductive harm. Click here for more information:

Product Category: Abrasives > Wire Brushes

2057 Vermont Drive,
Fort Collins, CO 80525 Email: Phone: 1-800-521-6038


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This building lot is ready for you! Mortgage free and ready to sell. Located in the newer Leopard's Chase Golf Course area at prestigious Ocean Ridge Plantation in Ocean Isle Beach, NC. Lot is 106' wide at front and tapers back over 200' deep to an 81' width at rear. Large lot with wooded privacy, sits between 2 of the 4 Ocean Ridge Plantation Golf courses. Community includes 4 Golf Courses, 3 Golf Club Houses, Amenity Center with Gym, Indoor and Outdoor pools, Tennis, Trails, Nature area and Community Beach House on Ocean on Sunset Beach Island.. Ocean Ridge is exclusive and luxurious. Located minutes from the Ocean and Intracoastal Waterway, 45 minutes south of Wilmington, NC and 15 minutes North of Myrtle Beach, SC. You will have over 100 Golf courses within a 1 hour drive and more than 20 within minutes of your door, as well as all of the Restaurants and Entertainment Myrtle Beach has to offer!! Check these 2 websites for more info: and One is the Plantation and Golf website and the other is the Community website. Agents are welcome to contact if you have an interested buyer. We can negotiate Agent's rate.

Interior Features

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  • Structure Type: Farm/Land
  • Lot Size: 0.45 Acres
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Husbands adventure with a chainsaw
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Forsyth County News

To be honest, I was more than a mite worried. I was plenty worried. My husband, raised not in the South or in the country, wanted a chainsaw. The one farm accessory that has brought down many a man. From an early age, I was taught respect for that chewing, sawing, respect-for-no-man power tool.

Tink, when he sets his heart and mind on something, is like a crafty teenager wearing out a parent to get what he wants. He begins a steady, strategic assault that puts General Sherman to shame. He follows me from room to room and will not stop pleading his case.

 “We have dead trees to cut down,” he pointed out. “Did you see that one next to the stream that died over the winter? Look at all the bushes growing out of control. I need a chainsaw.”

 “No,” I said repeatedly. “It’s too dangerous.”

For over a year, he campaigned but I, like General Lee in the early days of the war, stood strong and long.

 “Those things will kick back and attack you when you least expect it,” I’d shake my head and walk away.

 “I know to be careful.” He listed examples of his being careful, then I brought up the one example of not being careful that trumped all those. I looked at him sternly like the mother of a teenager and then spoke just like she would speak.

 “What about the Bush Hog?”

He paled. I had him and he knew it. A few years ago, I bought a large Bush Hog Zero Turn lawn mower from Kabe Cain who, with my brother-in-law, Rodney, had helped me to pick out the right mower. If you’ve operated a zero turn, you know how great they are – can turn on a dime – but they take some initial getting used to. It takes a couple of times of running one before you have all the coordination down.

The first summer we were married, Tink decided he wanted to learn to run the Bush Hog so he could cut grass. Behind our house is an embankment that is tricky. Most of it has to be done with the weed eater because it’s so steep. I was cutting grass one day when Tink insisted on taking over. I showed him how to operate everything then said, “Go over to the side yard where it’s level and practice where it’s safe.”

 “Why didn’t you cut more of that embankment?” he asked.

A red flag flew to the top of the pole.

“Don’t dare go near that. I cut it as far down as I could. If you go too far, the mower will turn over.” He nodded.

I walked up the steps to the back porch, put my hand on one of the French door knobs, then turned to look as he climbed on the mower. The greatest sense of worry and fear came over me. I knew something was going to happen, but I didn’t want to treat him like a child. So I prayed and asked God to protect him.

I went down to the front pasture with a backpack to kill the thistle that is always the bane of my summers. Suddenly, I heard an explosion of sound and saw Mississippi, the cat, jump from the rock wall behind the house and race toward safety. Then, I heard nothing. And the sound of nothing with a big lawn mower is the loudest sound of all.

Tink disobeyed me. And the price of that disobedience was a tumble with the mower, down the hill and over the rock wall. God answered my prayer so, miraculously, he had no injuries.

He swallowed when I reminded him of that and said, “I learned my lesson.” Then, he struck with a teenager’s smarts. “OK, then hire someone to do all that work.”

Ouch. He hit my frugal bone.


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Halftime lead slips away for North boys in loss to Flowery Branch
FBNorthForsyth 3

Flowery Branch 66, North Forsyth 59

Flowery Branch  16   7  22  21_66
North Forsyth    14  16  12  17_59

Flowery Branch: Bourdage 30, Kriews 13, Garcia 8.

North Forsyth: Bureau 20, Holtzclaw 17, Cunningham 10, Holzer 7.

North Forsyth head coach Brian Moon leaned forward in his chair after the first quarter and asked Flowery Branch coach David Sokol if the Falcons were ever going to miss a shot.

Sokol laughed and yelled back that he had told his team not to.

Joking or not, Sokol’s team couldn’t miss. Flowery Branch guard Taylor Bourdage poured in eight of his team’s 15 3-pointers and 30 points overall as the Falcons took down hosts North Forsyth, 66-59, on Monday afternoon at the Causey Orthodontics Raider Classic.

“He can shoot the heck out of the ball,” Sokol said. “He came out in the third quarter and hit a few shots that really got us going.”

North Forsyth led, 30-23, at halftime after holding the Falcons to seven points in the second quarter and closing the half on a 9-0 run. Chad Bureau and Dakota Holtzclaw combined for 19 of the Raiders’ first 30.

It only took four minutes of the third quarter for Bourdage and senior Tyler Kriews to erase the Raiders’ lead. Bourdage hit three 3-pointers over that stretch and Kriews added seven points, and the Falcons got the defensive stops Sokol was looking for. Flowery Branch outscored North, 22-12, in the third quarter and held the Raiders to 1-of-6 shooting from deep.

Holtzclaw, a 6-foot-5 wing with several Division-I offers who transferred from Horizon Christian, scored 17 points, and Bureau finished with a team-high 20 for the Raiders. Sokol, a former North Forsyth assistant coach, said the two teams had played each other twice this summer and the Falcons were well-aware of what Holtzclaw could do.

“He’s going to get his points,” Sokol said. “Our kids did a good job of denying him the ball as much as they could, and tried to make him make difficult plays.”

Flowery Branch returned only three players this season with varsity experience in Bourdage, Kriews and Hunter Konuszewski. Both the Falcons and Raiders are working in new players. Bureau has been a pleasant surprise for North—the senior guard hit two 3s and went 6-for-8 from the free-throw line.

Flowery Branch outscored North 43-29 over the final 16 minutes.

“We didn’t guard very well,” Moon said. “We gave up 15 3s. That would’ve beaten a lot of teams today. You’d like to think you can win some games when you don’t shoot it very well but today that didn’t happen.”


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Rajasthan, is the land of great warriors and legends who sacrifice their lives for the bright future of the state, is situated in the northern district of India. Established on March 30, 1949, the land of Rajasthan is jewel of India. Stacked with castles, sanctuaries, exhibition halls, museums, fortresses, Cenotaphs, gardens, strongholds, frescoes, and other historical monuments, Rajasthan is culturally rich that holds the grandness of past time. The uniquness and wealth of those time are still present in its glorious landmarks, beautiful conventions and traditions.

Capital : Jaipur
Area Rank :
Official language :
Hindi and Rajasthani
Population Rank :
Literacy :
Bordered By :
Punjab, Haryana, Uttar Pradesh, Madhya Pradesh and Gujarat

UNESCO World Heritage Site in Rajasthan

1. Hill Forts of Rajasthan: The Hill Forts of Rajasthan tells the story of rich past of Rajasthan history. The stories of Rajasthan’s bravery reflects from these forts. The hill fort of Rajasthan including Chittorgarh Fort, Kumbhalgarh Fort, Ranthambhore Fort, Gagron Fort, Amber Fort and Jaisalmer, are recorded under UNESCO World Heritage Site. A small description on these forts are mentioned below.

→Location: Rajasthan, India
→Built in: 7th – 16th Century
→Declared UNESCO World Heritage Site in: 2013

Chittorgarh Fort: Chittorgarh Fort, likewise famous as Chittaur, is one of the legacy hill forts of Rajasthan covering a huge zone of 700 area of land. It is the biggest fortt of Rajasthan situated on a 180 meter high hillock and is a standing sentinel to the strength and valor of Chittorgarh.

→Location: At a distance of 112 Km from Udaipur, on a high hill near the Gambheri River in Chittorgarh, Rajasthan
→Built By: Various Maurya rulers
→Built in: 7th century A.D
→Highlights: Numerous palaces and towers inside the fort

Kumbhalgarh Fort: Kumbhalgarh Fort is popular throughout the world for its magnificent architecture and extraordinary history. Built by Maharana Kumbha in the mid fifteenth century, the fort of Kumbhalgarh is the largest one after Chittorgarh Fort. It is said that a total of 32 forts were planned by Rana Kumbha out of 84 forts and Kumbhalgarh fortification with its great wall of around 38 kms is the greatest one.

→Location: At a distance of 64 Kms in north-west of Udaipur, in Rajasmand district
→Built By: Maharana Kumba
→Built in: 15th Century
→Highlights: Badal Mahal (the Palace of Clouds)

Jaisalmer Fort: Jaisalmer Fort, one of the largest forts in the world. The fort stands proudly amidst the golden stretches of the great Thar Desert. Also known as “Sonar Quilla” or “Golden Fort”, the Jaisalmer Fort is the biggest fort of Rajasthan.

→Location: Jaisalmer, Rajasthan
→Built in: 1156
→Highlights: Architecture, miniatures and Bazaars

Amber Fort: Amber Fort roosted high on the hill is surorunded by grand Aravali Hills and is amongst the most visited forts of Rajasthan. As per the sources, initially the capital of Rajasthan was Amer rather than Jaipur. The stronghold of Amber was built by Raja Man Singh in 1592. The fort is additionally famously called as Amer Palace.

→Location: On Delhi – Jaipur Highway
→Built in: 1592
→Highlights: Wonderful carvings and minute mirror work
→Perfect Time to Visit: October to March

Gagron Fort: Built by Bijaldev of the Parmara dynasty in 1195, the fort of Gangron is the main serial component which represents the type of a hill water fort. The Gagron fort is famous for its natural and strategic location, massive construction and glorious history.

→Location: Jhalawar, Rajasthan
→Built in: 1195 A.D
→Built By: King Bijaldev

Ranthambhore Fort: Ranthambore Fort, is located inside the Ranthambore National Park, is an impressive fortress having been a point of the grang history of Rajasthan. The fortress is perched on a stature of 700 ft on a hill and is known for the grandness and valor of Hammir dev of the Chauhan dynasty.

→Location: lies within the Ranthambhore National Park, near the town of Sawai Madhopur
→Built in: 994 A.D

2. Jantar Mantar: Jantar Mantar, located in the Jaipur city of Rajasthan, is one of the biggest observatories found in India. It is recorded under UNESCO World Heritage Site and houses the world’s biggest sundial. With a collection of nineteen different design and visionary instruments, Jantar Mantar is a astronomical observation site built by Sawai Jai Singh in the mid eighteenth century.

→Location: Jaipur, Rajasthan, India
→Built in: 1727 and 1734
→Declared UNESCO World Heritage Site in: 2010

3. Keoladeo National Park: Keoladeo Ghana National Park, also known as Bharatpur Wildlife Sanctuary, is an artificial wetland situated in the Bharatpur district of Rajasthan. It is famous as the heaven for bird watchers as it is amongst the Asia’s finest birding regions. The park is home to over 380 migrant species of birds inlcuding Demoiselle, Siberian Cranes and many other.

→Location: Bharatpur, Rajasthan, India
→Built in: 1981
→Declared UNESCO World Heritage Site in: 1985


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Davido took to his Snapchat last night to react to Rico Swavey eviction.

Viewers were hit with total shock last night when housemate, Rico Swavey was announced as the latest contestant to leave the Big Brother house.

The actor and singer was only nominated for eviction twice in the Big Brother game and the second time wasn't favourable for him as it saw him leave the house.

Rico Swavey eviction

Rico was up against Alex, Cee-C, Miracle, Nina and Lolu and while Ebuka announced that Nina and Lolu were saved, he called on Rico Swavey and being saved wasn't his fate last night.

His supporters were certainly saddened to watch him leave as they took to social media to bewail his painful exit from the house and surprisingly, Nigerian singer, Davido was one of his supporters.

Rico Swavey eviction

The singer took to his Snapchat to react to Rico's leave from the house, as he wrote,

Damn they evicted my guy Rico .. I'm sad

Rico Swavey eviction


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Lahm comments on Pep’s influence at City

Bayern Munich captain Phillip Lahm believes that former coach Pep Guardiola has already made his mark at Premier League outfit Manchester City, based on their style of play.

Guardiola hit the ground running with the Citizens, and out of the 19 games of which he has been at the helm – his side have registered 12 victories, four draws and three losses, in all competitions.

The draws and losses came after a sensational start to life in Manchester, but the club has since rediscovered their form – culminating in a victory over Barcelona in the Champions League.

Lahm, who spent three years under the tutelage of Guardiola says that the former Barcelona mentor has already successfully implemented his style of play with City.

"City have developed well in a short time," he told Bayern TV.

"From the games that I have watched, the trainer's (Guardiola's) trademark is clearly evident from their style of play.

"We know him from the last three years and you can already see he has stamped his mark," he continued.

Lahm suggested that the ultimate test of character for Guardiola's charges would be their progression in the Champions League.

City currently occupy second place in the latest Group C standings and victory against Borussia Monchengladbach will secure their passage to the knockout phase.

"We'll see how far City progress in the Champions League, but the quality of their team and coach is undeniable.

"You can never say this or that team must win the Champions League.

"Like in the Bundesliga, it's always hard work and you need a little bit of luck," he concluded.


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WATCH: Oseni’s fourth goal of the night helps Ha Noi equal record for biggest victory margin in an AFC Cup game

Ganiyu Oseni is at the top of the peak set by Ha Noi FC against Nagaworld in the ongoing AFC Cup game, as his fourth goal – also Ha Noi’s ninth – equals the record for the highest margin of win ever, in the history of the competition.

The goal came in the 81st minute, and needless to say, Nagaworld players were already in shambles from all the assault they had been facing so far. This gave Ha Noi players a meaty opportunity to pass the ball around in their own free will, before going ahead and attempting a finish. The first shot was weak and deflected away by the Nagaworld goalkeeper, but Oseni flew in from the right wing to attempt a tougher shot, which escaped the keeper’s clutches and flew into the top of the net.

AFC Cup 2019: Ha Noi 9-0 Nagaworld FC – Oseni (81′)

Another goal would bring double figures to Ha Noi FC, and also give them the record on the biggest victory margin. Can they get there? Nine minutes seem ample time for them to do so.