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Loan Clearance Letter Request 5 Lessons That Will Teach You All You Need To Know About Loan Clearance Letter Request
Obinna Chima, Eromosele Abiodun and Nume Ekeghe
A above Managing Director of Asset Administration Corporation of Nigeria (AMCON), Mr. Mustapha Chike-Obi, has declared that Nigeria needs over $20 billion to abstain bread-and-butter instability.
According to him, the $3.4 billion cyberbanking abutment the All-embracing Budgetary Armamentarium (IMF) accustomed for Nigeria and the N850 billion accustomed by the National Assembly as calm borrowing are not acceptable abundant to abode Nigeria’s acquirement shortfall.
He batten bygone on the ‘Morning Show,’ of ARISE News Channel, the advertisement arm of THISDAY Newspapers, and acclaimed that the cyberbanking sector, which is cardinal to bread-and-butter stability, should be appropriately managed and accustomed to be added assisting with budgetary apparatus easing.
The above AMCON bang-up explained that banks would not acquire addition AMCON because they would pay the aggregate of the accepted AMCON’s liabilities at the end of the day.
He commended the Ministry of Finance, Annual and National Planning for accepting the cyberbanking abutment from IMF for the country and apprenticed accurate spending in adjustment to facilitate added loans that would be needed.
He said: “We charge to acclaim the Minister of Finance and her aggregation for alignment this lifeline. It is a accommodation that is to be paid amid three to bristles years and while it doesn’t appear with strings, it does appear with able suggestions as to what should be done with the money and how the money should be spent.
“$3.4 billion sounds like a ample aggregate of money but it is about 1-2 per cent of our GDP. It is aloof a buoy and it is not abundant to break our bread-and-butter problems. So, depending on how we use the money and how we are cellophane and forward-looking. We are action to charge abundant added money. We are action to charge advancement of $20 billion from assorted apple agencies and they are watching what we do with this $3.4 billion. And I anticipate that if this $3.4 billion is spent properly, we would be able to get added money bottomward the road.”
On the N850 billion accustomed by the Senate, he said: “I acquire consistently been adjoin adopted borrowing and borrowing in dollars because anybody knows that every bristles years, FX revalues to about 30-50 per cent and borrowing in adopted bill ends up actuality added big-ticket than borrowing domestically.
“So, if this was a accommodation that was accustomed ahead and now they are alteration it from dollars to naira, again I anticipate it is a actual acute affair to do and I acceptable it. Alike if it is an added loan, I anticipate this is the time the Nigerian government should be borrowing money. However, I anticipate what you do with the money is what matters.”
Chike-Obi, who defined some areas the federal government should not use the monies for, acclaimed that on no annual should the monies be acclimated to abutment the nation’s adopted barter market.
He said: “There are some things we should do with the N850 billion and the $3.4 billion. We should not use it to abutment our adopted exchange, let it go to a akin that is acceptable on its own. We should not be administration this money with the states as this is a federal government accommodation that has to be repaid in 3-5 years and it charge be acclimated for specific things that would break our actual botheration and body for the future. The third affair it shouldn’t be acclimated for is subsidies. As continued as it is not actuality acclimated for those three things, we would do able-bodied in borrowing added money to be acclimated for able things.”He predicted that Nigeria would acquire to go aback to IMF for a able loan.
“I anticipate we are action to go to the Apple Coffer for loans and added agencies in the world. Alike beneath the IMF guidelines, if 20 per cent or added of your GDP is affected, there is a new ability you can access.
“So, we would charge advancement of $20 billion and I anticipate this is a analysis case and if the government manages this money actual responsibly and transparently, I anticipate it will accessible up the aperture for money bottomward the road. But if we use this money the way we acclimated money in the accomplished in a way area in six months we can’t annual for the money, we would acquisition it actual difficult to antecedent the blow of the money we charge in the future,” he added.
Also, responding to a catechism on why AMCON is still in actuality as adjoin the antecedent plan, he said AMCON did not acquire an end date but an operational end date.
The agency, he stated, was to aftermost for 10 years but the plan was based on the actuality that the banks which are action to pay the aggregate of the AMCON liabilities would be growing at a amount of 10-15 per cent a year.He added that Nigerian banks would not acquire addition AMCON because they would pay the aggregate of AMCON’s liabilities eventually.
“What happened is that the Axial Coffer of Nigeria (CBN) took a actual adamantine and akin budgetary attitude from 2012 upwards and banks started growing at beneath than the 10-15 per cent they had planned to beneath 5 per cent. And because of that accommodation advance in coffer assets, the money they were to pay to AMCON has absolutely been continued to addition bristles years.
“So, there is a plan that would acquire AMCON absolutely asleep in the abutting bristles years. I anticipate that plan in the approaching would be taken up by CBN. So, AMCON has aloof continued its action by bristles years because of the apathetic advance of banks, but the plan at the time was complete and the plan charcoal sound. I do anticipate that now, the bearings if not appropriately managed, would be worse than the bearings that brought AMCON in the aboriginal place. So, the budgetary authorities and budgetary authorities acquire to be actual accurate to handle the cyberbanking bearings actual carefully,” he said.
On the achievability of addition cyberbanking area crisis, Chike-Obi said the bearings would be added alarming than the 2008/2009 era, if not appropriately managed.
However, he declared that the cyberbanking area is now bigger managed than before.“I anticipate there has to be some administration and afterwards that, there would be a disaster. In agreement of a new AMCON, there is neither the political will nor the controlling will to acquire addition AMCON. AMCON has admiring lots of affections and I don’t anticipate the banks would assurance up for addition AMCON because the banks would pay the aggregate of AMCON’s liabilities at the end of the day. So, I don’t anticipate addition AMCON is achievable and the best way to go is prevention. We charge to sit bottomward and put all our best minds together, accord candidly with the bearings and acquisition a way to abstain the accident because if we let it happen, it is apparently two or three times beyond than the 2008/2009 problem,” he added.
IMF Urges Nigeria to Acquire New Borrowing Limits
Meanwhile, the All-embracing Budgetary Armamentarium (IMF) has brash the federal government to agilely acquire “new borrowing banned to acquiesce added band arising at still favourable rates.”
IMF declared this in a address anachronous April 22, 2020, in which it advised and justified Nigeria’s appeal for $3.4 billion in emergency cyberbanking abetment beneath the fund’s Rapid Costs Apparatus (RFI) that was accustomed on Tuesday.The Budgetary Responsibility Act prohibits budgetary arrears of added than bristles per cent of the country’s Gross Calm Product (GDP).
But the multilateral academy in the letter acquired bygone said ambience a new absolute would accredit the federal government to tap debt from the calm market, abnormally from the Pension Armamentarium Administrators that acquire “extra clamminess now that they can no best use to acquirement high-yielding CBN bills because of regulations alien in October 2019.It explained that after-effects of the aftermost FGN band bargain showed able demand, with an boilerplate awning arrangement of 4.7 times and the 30-year band accepting the arch appeal at seven times the action at auction.
According to IMF, Nigeria’s budgetary costs gap charcoal ample at about $11 billion. “Together with a beyond deficit, a bottomward afterlight in accessible financing—including beneath recourse to CBN overdrafts—leads to about $8 billion (2 per cent of GDP), alike afterwards accounting for RFI purchases.
“Of that gap, 25 per cent will be covered by absolute annual abutment commitments from multilateral institutions. The authorities plan to awning the blow through a reprioritisation of absolute action loans (including from the Apple Coffer and AfDB) appear bloom spending, drawdown from absolute deposits captivated in accounts of extra-budgetary funds and absolute abundance funds, as able-bodied as calm borrowing.
“Staff is of the appearance that the closing advantage charcoal the best adapted in appearance of the ample banal of crumbling accessible bazaar operations (OMOs) of about N6 abundance domestic, which provides abundant amplitude to affair calm bonds—which are currently trading at actual favourable yields— afterwards bottleneck out the clandestine sector,” it stated.
The armamentarium acclaimed that afore the admission of the COVID-19 pandemic, the about well-capitalised Nigerian cyberbanking arrangement had apparent both its clamminess and solvency ratios rising, while non-performing loans (NPLs) in the industry had fallen.
It added that accelerated accommodation write-offs and contempo government arrears approval to coffer borrowers, as able-bodied as a analeptic in lending, had bisected the NPL arrangement to six per cent in 2019, abacus that aerial risk-weighted assets and deferred All-embracing Cyberbanking Advertisement Standards (IFRS)-9 accompanying crime accuse had additionally bargain the all-embracing solvency arrangement by 0.7 allotment credibility to 14.6 per cent at end-2019 (the arrangement would acquire been alike college were it not for three baby bankrupt banks).
“Banks abide affected to breakable acclaim affection due to their acknowledgment to ailing sectors, decidedly oil and gas producers (26 per cent of absolute loans).
“By end-March, adopted portfolio backing decreased by 46 per cent back the alpha of the year and by about 60 per cent back mid-2019. The official barter amount has been adapted by 17.5 per cent, bringing it abundant afterpiece to added rates, and the assorted barter amount windows acquire been broadly unified about the amount in the investors and exporters (I&E) window.
“Spreads on acclaim absence swaps and on 30-year Eurobond yields acquire widened by 700 and 600 base points, respectively. On the added hand, calm band yields abide low, and for lower maturities, at ante abundant beneath inflation,” the Washington-based academy added.
It acclaimed that the challenges faced by the abridgement acquire additionally aseptic basic inflows, including abbreviating adopted absorption in axial coffer bills.
IMF, however, estimated that some of these pressures in the bazaar were accepted to affluence in the additional bisected of the year.“The all-embracing accepted government budgetary arrears for 2020 would widen to 6.8 per cent of GDP (from 4.6 percent accepted above-mentioned to the Covid-19 outbreak),” it stated.
IMF bidding abutment for the axial bank’s attention in abatement budgetary policy, in appearance of abeyant inflationary pressures arising from the barter amount and aliment accumulation shocks.
It acclaimed that accustomed the uncertainties in the system, the bearings needs to be monitored carefully and able clamminess provided if necessary, abacus that a aciculate admission in outflows, potentially arch to an overshoot in the barter rate, would affectation a difficult dilemma.
“While a abbreviating of budgetary action may still be the first-best action response, it could added accident bread-and-butter activity. In such a situation, all accessible behavior should be considered.
loan request letter to employer – pepino | loan clearance letter request
“With affluence falling, agents welcomes contempo accomplish taken by CBN to acquiesce greater adaptability in the Investors & Exporters (I&E) amount and attenuated differences amid assorted FX windows.
“With the advance beyond the assorted barter amount windows now actual narrow, this is additionally a acceptable moment to anon move to abounding and academic unification—e.g., by advancing all adopted barter windows to the I&E window.
“This analytical footfall to ensuring a well-functioning bazaar would be helped by the CBN’s arrangement of its adopted barter sales in the bazaar at a akin adequate with attention axial coffer affluence while demography into annual low all-embracing oil prices and bargain FX demand.
“A unified and added adjustable barter amount will be an important shock absorber, abnormally in agitated times— with CBN FX interventions bound to cutting ample fluctuations in the barter rate.
“Rationing of adopted exchange—such as occurred in 2015, with damaging consequences—must be abhorred as it would bassinet barter and broker confidence, appropriately added dabbling the bread-and-butter accretion already the crisis passes,” it added.
However, in a letter to IMF requesting for RFI, anachronous April 21, that was accordingly active by the Minister of Finance, Annual and National Planning, Mrs. Zainab Ahmed and the CBN Governor, Mr. Godwin Emefiele, the federal government said it was additionally deepening budgetary and barter amount behavior with a appearance to affective appear abounding barter amount affinity and greater barter amount flexibility.
This, the federal government said, “would advice bottle adopted barter affluence and abstain bread-and-butter dislocation.”In the letter, fabricated accessible yesterday, the duo said: “We are additionally advancing in our ability area reforms—with abstruse abetment and cyberbanking abutment from the Apple Bank—including through capping electricity appraisal shortfalls this year to N380 billion and affective to abounding cost-reflective tariffs in 2021.
“Our anti-corruption efforts will abide unabated. We will strengthen the role of the Federal Analysis Board in active bribery and are committed to deepening the asset-declaration framework and absolutely implementing the risk-based admission to AML/CFT administration while ensuring the accuracy of benign buying of acknowledged persons.
“We absolutely recognise the accent of ensuring that cyberbanking abetment accustomed is acclimated for advised purposes.”Owing to this, the government said it would actualize specific annual curve to facilitate the tracking and advertisement of emergency acknowledgment expenditures and address funds appear and expenditures incurred account on the accuracy portal; broadcast accretion plans, accretion notices for all the emergency acknowledgment activities—including the name of awarded companies and of benign owners—on the Bureau of Accessible accretion website; and broadcast no afterwards than three to six months afterwards the end of the budgetary year the address of an absolute analysis into the emergency acknowledgment expenditures and accompanying accretion process, which would be conducted by the Auditor Accepted of the Federation—who would be provided the assets all-important and would argue with external/third affair auditors.
“In band with IMF safeguards policy, we accomplish to ability a new safeguards appraisal conducted by the Fund.“To this end, we acquire authorised IMF agents to authority discussions with alien auditors and accommodate IMF agents admission to the CBN’s best afresh completed alien analysis reports.
“We do not intend to acquaint measures or behavior that would aggravate the accepted balance-of-payment difficulties.“We do not intend to appoint new or accent absolute restrictions on the authoritative of payments and transfers for accepted all-embracing transactions, barter restrictions for balance-of-payments purposes, or assorted bill practices, or to access into mutual payments agreements, which are inconsistent with Article VIII of the IMF’s Articles of Agreement.”
Loan Clearance Letter Request 5 Lessons That Will Teach You All You Need To Know About Loan Clearance Letter Request – loan clearance letter request
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domain: politics


text:
FOR IMMEDIATE RELEASE
June 17, 2014
CONTACT: Jay Rivera, communications manager
(916) 542-1787, email@example.com
New tool to help law enforcement officers identify, assist trafficking victims now available to agencies statewide
A “vital” training tool for officers who encounter trafficking victims arrived at law enforcement agencies throughout California this month, and its developers are excited about equipping those on the “front lines” in the war on human trafficking with the resource.
This new training video, “Human Trafficking: Identify and Respond,” was developed by the Commission on Police Officer Standards and Training (POST) in response to the 2012 passing of Proposition 35, the Californians Against Sexual Exploitation (CASE) Act. Part of the new law requires peace officers in the State of California to receive at least two hours of training on human trafficking.
“This training video will put vital information in the hands of law enforcement officers who are on the front lines in the fight against trafficking,” said Bob Stresak, Executive Director for POST.
“This training is going to save lives and help law enforcement remove traffickers from our streets and communities,” said Mike Durant, President of the Peace Officers Research Association of California (PORAC), the largest law enforcement association in the State representing more than 64,000 officers.
The video is divided into 15 to 20 minute segments that can be facilitated during roll call over a period of time. An “Instructor Guide” document (PDF) is included on the DVD for printout from a computer. This provides easy-to-follow steps for group facilitation by the instructors.
POST selected a 16-member committee comprised of district attorneys, local and federal officers, service providers, activists and human trafficking survivors to create this training. “The committee worked hard to create a video that is relevant to patrol officers”, said Daphne Phung, founder and executive director of California Against Slavery, who is one of several trafficking experts featured in the video. “The range of diversity and expertise in this video is unheard of,” said Phung.
Police Officers are often the first to come into contact with human trafficking victims and can be their lifeline out of a desperate situation. “Police officers must have the ability to understand and recognize victimization,” said Oakland Police Department Sergeant Holly Joshi, one of the human trafficking experts featured in the training video. “They also need to be able to connect survivors to available services and begin preliminary investigations on offenders.”
POST originally developed training on Human Trafficking in 2006 and updated that training in 2010. This video will not be available online.
About Prop 35
A joint effort of California Against Slavery and the Safer California Foundation, Proposition 35 passed on November 2012 with over 81% approval, making it the most popular initiative in California history. Mandatory training for law enforcement officers is just one of the legislative provisions. It also increases the maximum penalties for human trafficking to 15 years to life and requires sex traffickers to register as sex offenders. Maximum fines for human trafficking offenses have been raised to up to $1.5 million for any human trafficking offense. It provides more protection for victims as well as direct fines to victim services.

domain: news


text:
Hiking is my hands-down favorite travel activity. There’s just so much that you can see in this world that’s only accessible by foot, over mountaintops, glaciers, and through canyons and gorges.
Over the past five years, these have been my favorite hikes from all around the world. They range in difficulty and length, though they all have one thing in common: They’re stunning.
From Kyrgyzstan to Patagonia, South Africa, the Swiss Alps, the American Southwest, and so many amazing things in-between, here are a few of the best hiking trails in the world.
Coyote Gulch, Utah, USA: Moderately Easy (12km, 7.4 mi)
Coyote Gulch in Grand Staircase Escalante National Monument can be done over multiple days or, for those willing to rappel down a canyon wall, in just one day.
In comparison to the more popular hikes in Utah like those in Zion, Coyote Gulch has hardly any people at all. You can camp overnight right under the famous Jacob Hamblin Arch, and wander through all day long without seeing more than a few other people along the way. The hike is fairly easy and flat, though it’s mostly through sand and water, so bring along waterproof hiking boots!
Doi Luang Chiang Dao, Thailand: Moderate (12km, 7.4 mi)
Doi Luang Chiang Dao in northern Thailand is the country’s third tallest peak, but it’s easily the most beautiful. The hike is steep in the beginning and the end, and flat in the middle. It takes you through a temperate jungle, full of interesting vines growing through rocks, sakura blossoms depending on time of year, and up to a peak with 360-degree views of undulating mountain after mountain.I expected this to be a sweaty, buggy affair, but found the hike to be pleasant and even a bit cold. Most people do this hike as an overnight, but it’s possible to do it in one day.

domain: travel


Meet The Team
Partner/ Landscape Architect/Designer
Dave started with the company 3 years ago as a design consultant to fill a need to design large commercial and industrial projects. Dave graduated from ISU with a BLA in 1999.
After graduating he took a full-time position with Brian Clark and Associates where he and Weston enjoyed working long hours together. Dave has a diverse background in construction that allows him to work efficiently on various master planning and site design projects. Dave specializes in project management, master planning, site design, and is in charge of all our commercial bidding division. In his free time Dave enjoys snow boarding, attending ISU sporting events, and restoring old cars.


5 Great Easter Marketing Campaigns to Inspire Your SMS Marketing
Every Easter sees fierce competition in the marketing arena as brands and retailers seek to maximise their profits and increase market share in this key season. Of course, two of the most important sectors are food and confectionary, so it is no surprise that they feature prominently in any list of the most popular Easter marketing campaigns – but they are not the only ones to appear. So which brands have come up with the most appealing, amusing and memorable advertising campaigns for Easter and what can we take away from them to improve our SMS Marketing efforts? Here goes.
1. Lindt Gold Bunny
For television viewers, one of the signs that Easter is just around the corner is that little tinkle of the bell worn by a magical golden bunny – yes, we’re talking about that iconic Lindt Golden Bunny, a famous icon of Easter created by the Master Swiss Chocolatier that comes to life every year in what is always a piece of advertising brilliance. Year in, year out, it is hard to resist the urge to go straight to the nearest supermarket to get your hands on one of these little creatures – regardless of your age! Despite being generally aimed at the child audience, the beautiful adverts with their brilliant storytelling are just as captivating for adults.
So how can you recreate the magic of Lindt in your SMS Marketing campaign? Firstly, be sure to make use of evocative and captivating language that appeals to the senses, and secondly, explore ways to create a little mystery – for example, why not experiment with a campaign that reveals clues over the course of a few text messages to build some suspense, before a final reveal.
2. Cadbury and National Trust Egg Campaign
One advert that got widespread attention for all the wrong reasons last year was the Cadbury and National Trust Egg Hunt campaign. The campaign drew widespread attention not just from the public but also politicians, religious leaders and other public figures after it apparently omitted to make reference to Easter.
Although Cadbury quickly pointed out that this was unintentional and that the word ‘Easter’ appeared across the vast majority of their seasonal product range, the damage had been done, leaving a huge PR mission in its wake.
If you are planning an Easter SMS campaign, be sensitive to your audience. As well as respecting customers who may deeply care about Easter, you should also be sensitive to those who may not celebrate the occasion. Ensuring you know as much as possible about your audience is the best way to build an effective campaign that gets the right response.
3. The Carlsberg ‘Chocolate Bar’
Most of us associate the phrase ‘chocolate bar’ with confectionary. But the marketing geniuses at Carlsberg, who are famous for creating exceptional and often highly amusing advertising campaigns, couldn’t resist the chance to go for a bit of seasonal wordplay. The result – what would happen if Carlsberg created a chocolate bar. Literally, a bar made of chocolate, from the walls and bar itself to the beer mats and glasses. To make the most of the campaign, it was not just a film set either – half a ton of chocolate was used to convert the Old Truman Brewery in Shoreditch, with a real, working Carlsberg pump taking centre stage.
If you are looking for inspiration for your Easter SMS Marketing campaign, then this is a great example of thinking outside of the box and showcasing your brand’s values and culture in a unique way. Think about how you can convey your brand image through SMS. Maybe there is some great fun to be had with wordplay…
4. Marks & Spencer Food
When it comes to food, there is one brand which stands out whenever it is the holiday season, be it Christmas or Easter – M&S. Their latest offering presents a truly mouthwatering showcase of some of their fine family foods. In just twenty seconds, the advert manages to capture everything that matters about the great institution that is the Easter roast.
For anybody planning an Easter SMS Marketing campaign, this is another great example of how to choose just the right words to make your product or service truly irresistible.
5. Lidl – Spring Spotters
Last but not least in our list of top Easter adverts is Lidl’s 2018 ‘Spring Spotters’ campaign, which offers an original and refreshing take on the traditional adverts you might expect to see from a large supermarket chain. Egg hatching and Lamb Cam provide are among the ‘features’ in this mock television show, which brilliantly incorporates the sales message in an advert that actually leaves you wanting to watch it again.
If there is one take away from this campaign that can be applied to your Easter SMS Marketing, it is not to be afraid to take a new approach. Think about ways you could frame your product or offer in an alternative context to add impact to your campaign. You’ll be limited to what you can get away with in words alone, but with 459 characters available to play with, you’d be surprised at what is possible.
To learn more about SMS Marketing and get your account set up today, call our team of experts now on 0800 954 5305.
While brevity might be one of the keys to good advertising, perhaps the most important is to make sure your message reaches the right people. The goal of targeted marketing is not to bombard so many people that some will inevitably listen, but rather to target and nail down your core demographic.
Mums are natural entrepreneurs. And now they're turning that entrepreneurial spirit towards running a business, using their organisational skills to turn a profit from franchises and hobbies, fundraisers and baking. Mumpreneurs are on the march and they need smart marketing strategies like SMS that fit around their busy lives.
At the end of February, Amazon’s S3 servers went down. And so did much of the Internet. What can we learn from the experience about communicating with customers during an online disaster? According to experts, having a plan that includes SMS messaging is key.
If you’re tuned into the self-help industry at all, you know who Wayne Dyer was. He spent decades writing transformational books to help people improve their lives and find happiness. He died summer 2015 at his home in Maui at the age of 75. It’s probably an understatement to say he inspired millions of people. So when I came across an article about a publisher using SMS messaging to let people know about a new book discussing his legacy I wasn’t too surprised. Not at first anyway.
SMS marketing is not quite like most other marketing. You have such a limited space to get your point across, just 160 characters, more or less. It’s not unlike having to create a print advert for a small space, but somehow it can seem more intimidating. That’s why sometimes it seems like marketers forget one basic rule about writing offers: Always lead with the offer! Sounds simple, right?
Marketing messages, whether in print or electronic have many parts to them. In the beginning there’s the hook that entices someone to continue reading, and near the end is the call to action. That’s where you make it clear what you want someone to do after reading the message. There are many parts in between these two, but these are, arguably, the two most important.
This year SMS marketing is predicted to become an even bigger piece of the mobile marketing pie. Businesses of every size will be launching their first ever campaigns. If you’re one of them, take a look at our handy SMS marketing checklist below to help you do it right from the very beginning.
Have you seen articles telling you SMS marketing can’t be used to acquire new customers? Or that it isn’t a good way to so? Don’t believe them. You just have to know how to use SMS to get new people to sign up for your list. Read on to find out how.
Discount codes, limited time sales, special exclusive pricing...you may have seen, or used, all of these in a text message campaign. For retailers, it is the most obvious and direct use of SMS marketing. It works and it's cost effective. But are there other ways you can put your SMS channel to work for you?


Cooling technology key to innovative wool sock
Point6 has collaborated with scientists from Cocona to perfect the combination of 37.5 particles with nylon
Active particle technology from US-based Cocona Inc, which enhances clothing comfort by managing the body's ideal core temperature, is to feature in performance Merino wool socks from Point6.
According to the Colorado-based companies, combining Merino wool, one of the top performance fabrics in the outdoor industry, with 37.5 nylon creates a higher level of performance sock that delays the onset of sweat, dries faster, increases comfort, and helps control odour.
"Wool is Mother Nature's miracle fibre, thanks to moisture, temperature, and odour controlling properties," says Peter Duke, Point6 CEO. "Bringing 37.5 technology fibre into the mix elevates wool's benefits to a whole new level."
The Cocona technology, marketed under the brand name 37.5 (the body's core temperature in degrees Celsius), permanently embeds active particles at the fibre level to capture and release moisture vapour.
Not only do these particles increase the surface area of traditional fibres by over 300% but, by actively responding to body heat, they use infrared energy from the body to accelerate the vapour movement and speed up the conversion of liquid to vapour, significantly increasing drying rates.
Cocona adds that managing the microclimate next to the foot extends the user's comfort range and improves cooling. According to a study by the Department of Physiology at the University of Colorado, by changing from a wicking shirt to a 37.5 shirt, athletes extended their performance and reduced their core temperature build-up.
Now, this same technology can be found in socks.
Point6 has collaborated with scientists from Cocona to perfect the combination of 37.5 particles with nylon. By layering the 37.5 nylon between 100% compact spun New Zealand Merino wool, Point6 can make a sock that maintains a comfortable level of humidity by delaying the onset of sweat and drying faster, even during high-intensity exercise.
The active particles in patented 37.5 fibre are permanently embedded in the nylon fabric of the socks and will not wash out. These active particles provide 800% more surface area to the fibre, while providing a "unique driving force" to remove moisture vapour.
Naturally derived from coconut shells and volcanic sand, the particles capture heat from the body's infrared energy to speed evaporation and significantly reduce dry-time.
Point6 will introduce nine styles powered by 37.5 technology for spring 2017, plus several tactical styles that are being developed for the military.
Cocona's 37.5 technology will also feature in the first apparel products from Mission Athletecare aimed at helping athletes maximise their peak performance.
Launched in 2009 by a group of elite, world-class athletes including Serena Williams, Dwyane Wade, Drew Brees, Carli Lloyd and David Villa, Mission unveiled its first line of innovative EnduraCool instant cooling towels in 2012. The new Mission VaporActive collection powered by 37.5 technology will include men's compression shirts, underwear and socks.
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Love in dreams for the intensity with which it manifests itself and with which it is perceived goes far beyond mere sexual attraction. So let’s talk about dreams after casting a love spell.
Love in dreams as in reality is a very powerful and a very common emotion that connects us with the ideal aspirations of the dreamer, their needs, and their desires and is central in many dream situations where it reflects the feelings and relationships already lived. What about dreams after casting a love spell?
Let’s explore the magical realm of dreams and learn how to unveil their meaning and bring our vision to life.
- Purpose of love
- Meaning of love in dreams
- Dreams after casting a love spell – The most common meanings
- 1. Dreaming of being in love
- 2. To dream of feelings of love in a real relationship
- 3. To dream of returning the love of someone who is NOT loved
- 4. To dream of the love of a person with whom you are truly in love
- 5. Dreaming of loving an unknown person and dreaming of feeling totally in love but not directed towards someone, in particular
- Spell to unveil your dreams after casting a love spell
Love in dreams can symbolize various emotions and desires, depending on the context of the dream.
Dreaming of being in love often signifies a desire for emotional connection, warmth, and affection in your waking life.
When you dream of feeling love in a real relationship, it can reflect your satisfaction and contentment with your current romantic partner or a longing for such a connection.
Dreaming of returning the love of someone you don’t actually love in reality can reveal hidden guilt or a need to address unresolved emotions in your waking life.
If you dream of the love of a person you are genuinely in love with, it may represent your deep affection and attachment towards them, or it could signify your desire for a stronger emotional bond.
Purpose of love
It is an instinctive sense of attraction and a union of opposites which, in its strength and impulsiveness, in its extravagance or madness, ignites hearts and bodies and supervises physical and spiritual relationships, in order to keep relationships ongoing and the earth populated.
Through libido, each human being realizes their potential, their drive towards eternity and completeness and love, in this perspective, they have the ability to overcome differences, conflicts, antagonisms, making even the biggest obstacles appear much smaller and moving the individual towards another person, in an attempt to bring together two separate lives.
Meaning of love in dreams
Love in dreams can present itself as a compensation dream, often when dreamers are people that are identified as rational and logical, people who do not abandon themselves to emotion for fear of getting lost or falling head over heels in love.
|A red rose in a dream can symbolize passionate love and romance. It may indicate that the love spell is beginning to work and that new romantic opportunities are on the horizon.
|Dreams of weddings often symbolize union and commitment. If you dream of a wedding after casting a love spell, it could suggest that your spell is aligning energies for a long-term, committed relationship.
|Seeing heart-shaped objects in your dream, such as hearts or heart-shaped jewelry, can be a positive sign that your love spell is manifesting love and affection in your life.
|Dreams of feeling a deep soul connection or encountering someone who feels familiar may indicate that your love spell is guiding you toward a soulmate or a significant romantic connection.
|Vivid Romantic Scenes
|If you experience vivid dreams with romantic scenarios or encounters, it could be a sign that your love spell is influencing your dreamscape and bringing love-related experiences to your subconscious mind.
|Pay attention to recurring themes or symbols in your dreams. For example, dreaming of the same person or similar love-related situations repeatedly might suggest that your love spell is creating a strong energetic connection with a particular individual.
|Dreams that evoke strong emotions, such as overwhelming love or intense passion, can be indications that your love spell is working and intensifying your emotional desires and connections.
|Clarity and Guidance
|Dreams that provide clear guidance or insights related to love and relationships may signify that your love spell is not only influencing your dreams but also providing guidance on how to navigate your romantic life.
These dreams show the renegade aspects of love dreams, the polarity made of feeling and sensitivity to which the dreamer’s soul aspires. Sometimes the object of love in these dreams is a stranger, who can represent the animus or soul of the person with all the ideal characteristics of inner images that express the innate ability to love.
Love in teenage dreams
Love in adolescent dreams is a central symbol because this phase of love for teenagers is a feeling of meaning and it is amplified to the teenager.
We often talk about compensation dreams in which young people dream of a lover and feel the wonderful sensation of their feelings reciprocated in a hug or a sublime kiss.
Before We Continue
Witchcraft takes skill and patience and doing it on your own isn’t recommended in most cases. We provide these “do it yourself” articles for educational purposes, but it is strongly recommended that you consult an experienced divination expert such as Mystic Amber and allow us to do the work for you.
This way, you know it’s being done by someone experienced and knowledgeable, and we’re also always here to answer questions about your dream interpretation and provide follow-up at no additional charge.
Dream interpretation is an ancient practice and a fantastic divinatory tool that explores our souls and lives from a different, unique perspective based on your psyche and what your subconscious and your intuition want you to focus on.
What you can expect from Mystic Amber:
- Private Interpretation by a Professional Expert
- Accurate, Informative & Personal
- FAST delivery – within 24 hours
- Free consultations before & after
We have helped hundreds of clients over the years, and we’d love to work with you as well.
Dreams after casting a love spell – The most common meanings
1. Dreaming of being in love
This dream aims to connect the dreamer with their emotions, showing them their ability to feel and the depths of the emotional aspects inside them. It is therefore of great importance to balance blocked or excessively controlled emotional energies.
It can be a sign we need to let go of any worry linked to the wait for the spell to manifest.
2. To dream of feelings of love in a real relationship
It aims to make people think about their relationship and health, internal tensions, conflicts, repressed desires, or are satisfied sexually.
In these dreams, it is easy to understand that the emotions experienced do not have those ecstatic characteristics but are more nuance of daily emotions and feelings.
Precisely for this reason, they can give interesting indications on a relationship by referring to the possible need for change or growth in an area.
3. To dream of returning the love of someone who is NOT loved
This dream must bring the attention of the dreamer towards a person (if any) and what they represent. It will then be important to identify the qualities that are attributed to it, to reconstruct its history, to search for the memories associated with it, to finally understand what the message of this symbol of love is.
Especially if those emotions or feelings are weird and you feel off about it.
4. To dream of the love of a person with whom you are truly in love
This can be considered a dream of compensation, unconscious stages and satisfies desire, thus balancing an internal tension that could disturb sleep and that perhaps, in reality, causes stress and malaise.
However, the dream itself can be viewed as an opportunity to recognize in the dream, the qualities expressed by the dreamer. In this sense, the dream has an important evolutionary quality that configures, with the dream experience, the real meaning of a loving relationship.
If this happens 2-3 weeks after casting the spell this might be a sign that things are working and soon your love spell could manifest.
5. Dreaming of loving an unknown person and dreaming of feeling totally in love but not directed towards someone, in particular
It can be considered a dream of confirmation of one’s ability to love. Love is in the dreamer and must be recognized with its ability to be expressed, lived and directed towards someone and something. However, the dreamer must first recognize their ability to love and recognize this in themselves.
If this dream makes you feel uncomfortable then try to really reconsider your vision and your commitment while casting the love spell. Maybe your feelings are not as strong as you thought, or you are a little bit confused about your love life or you are not totally committed to the person you think you want beside you.
If 2-3 weeks went by and you dream something similar and no manifestation happened, consider recasting the spell after a long meditation, focusing this time on what you truly want.
Love in dreams has this strength and this intrinsic potential, if the strong emotion felt does not end upon awakening and obliges the dreamer to make contact with an emotional world that perhaps frightens them or that they do not recognize it in themselves, but if this dream material do not they will be set aside and repressed and will push them to reflect on the impact of the emotion received and on the direction to give to their love.
These are just a few ways of interpreting dreams. Dream interpretation has a LOT hidden on the surface and, for example, my grandma always told me a dream means an opposite outcome in the real life.
So, according to this belief, if I dream of me and my crush together this won’t happen. But I really think that all these interpretations are a starting point and you will feel it when something is right and when something is wrong.
I used to have a dream journal where I wrote all my dreams to unveil their messages and use them to create my vision in a better easier way.
Spell to unveil your dreams after casting a love spell
This spell will help you access and connect with your deepest intuition through our dreams and get answers about spell casting and its manifestations.
You can repeat this spell as many times as you want as it is really easy to perform after knowing what you need.
The particular object at the base of this practice is the dream catcher which is composed of an external circle inflexible wood (for example willow), which represents the life cycle and the universe, a network with beads, which holds back negative dreams which vanish with the first light of morning leaving positive dreams free to flow, and feathers, which according to Cheyenne legend symbolize the air and flight of birds.
Things you need
- A dream catcher (you can find it everywhere: in the ‘online’ shops in specialized stores, in the local markets)
- 1 white candle
- 1 lighter (this time no matches)
- 1 fireproof container (an ashtray is enough)
- A pointed object (a needle, a nail, the tip of your Athame)
- A piece of paper (and a diary, optional)
- A red pen
- Lavender (preferably oil, but dried or fresh flowers also work)
- Chamomile herbal tea
How it’s done
Place your dream catcher by perfuming it with lavender and place it on your bed at least two / three days before performing the spell and then leave it there.
For this reason, I recommend that you buy an object that marries your furniture and that is, for you, beautiful to look at.
When you decide to perform this small spell, perfume your pillow with lavender.
Engrave your name (your initials are enough) on the candle.
Now take a moment to relax, have a cup of chamomile tea and reflect deeply on the question/s you are looking for answers and what you want to achieve. Try to be as serene as possible.
Continue your moment of relaxation and after writing your question/s on the note with the red pen (you may also want a suggestion to have a strategy to make your wish come true), pinning the question/s on the candle.
Light the candle and say the following spell (you can also use you own personal words).
“With this spell I turn to myself, I look in the mirror at the answers I need.
In my dreams, I will find what I am looking for and in peaceful sleep, my problems will melt away.
Blessed be the gods who will show me the way, those who will guide me.”
Place your note with the question/s on it in the fireproof container and light it using the candle’s flame. Wait for the paper to burn completely and then blow out the candle (you can safely reuse the candle, perhaps to redo the same charm), then pronounce your name clearly.
Go to sleep.
That night you should have enlightened dreams about what you were trying to understand or solve.
Beware that all the answers will appear to you in symbolic form.
A little reminder for you to approach your dreams the right way.
I advise you to write down what you remember of your dreams in a diary in the morning as soon as you wake up so that you can analyze and contextualize them starting from your daily life, trusting (like any good sorcerer / witch) the guide of your intuition.

domain: psychology


text:
Two stories about love coming to fruition at Christmas. One story, a Christmas past, where Julia Mayfield returns from war to find her sister has passed away, and her dying wish was for her son to meet his paternal grandparents. Julia takes the child to Mistletoe, Kentucky, where a man named David changes her life forever. The other story, a Christmas present, where a girl named Holly works at a Christmas shop. She was abandoned as a baby on the steps of that shop in Noel, Missouri, and the owner adopted her. Now a man wants to write a book about her story. Will she be wooed by his words, or will she see what has been in front of her all her life?
I have said it a few times now, I am not much of a romance reader. But if I keep reading romance books like this, I may have to retract that statement. This is my first encounter with the Christian romance series "Love Finds You" and I already want to read more! Brand and Higman did a fantastic job of creating stories with lovable characters, solid story lines, and real romance. My biggest complaint about romance novels is that often they are just cleverly disguised literary porn. That is so not the case here, these stories are romantic, but chaste and appropriate for even teen readers.
One of the things I liked the best was there was a very tiny string of a storyline tying the two stories together. I loved that, it brought connectedness, continuity, to the two stories. I think these are two really lovely, and well written stories. While this is clearly a Christian book, it is not too overtly Christian, so it will appeal to a wide audience. I found the book to be just a couple of nice old fashioned love stories, with characters having traditional values. No one was shoving faith down anyone's throat.
Because these stories dealt with Christmas, I thought this was a great book to read while preparing my home for the holidays. The book would make a great Christmas gift for any romance lover!
A review copy of this book was provided by the Christian Review of Books.

domain: entertainment


text:
Likewise, running in cold, dry air can make it harder for asthmatic people to breathe in the presence of outdoor allergens. In addition: “Running in itself can increase nasal discharge and congestion, which are allergy symptoms and therefore makes one feel like the allergies are worse,” says Dr. Hsieh.
Does running worsen allergies?
“Running increases your breathing rate, which makes you more likely to inhale more allergens,” explains Vijay Jotwani, M.D., a primary care sports medicine physician at Houston Methodist.
Do allergies get worse when you go outside?
When you go outside, pollen particles settle on your skin, your hair, your clothes, and your shoes. If you don’t wash your clothes and take a shower, then you can end up having pollen in your bed. Sleeping with an open window can also allow pollen to get in as the sun rises and pollen counts do, too.
Can running help with allergies?
Now that it’s officially sneezin’ season (gesundheit!), put down the pills and pick up the pace: Running can help relieve allergy symptoms, reveals a new study from Thailand. After allergy sufferers ran for 30 minutes, their sneezing, runny nose, and nasal itching and congestion all decreased by more than 70 percent.
Should you go outside if you have allergies?
“People with allergies and asthma should be able to exercise outdoors, just like anyone else,” says Pramod S. Kelkar MD, chair of the American Academy of Allergy, Asthma, and Immunology’s Cough Task Force.
How do you prevent allergies when running?
In addition to removing pollen from your nasal cavities, you should remove it from your skin, hair and clothes as well. This means washing your running attire after every use, whether you’re accustomed to doing so or not. Additionally, you should shower after each run to prevent allergies from flaring up later.
Should you exercise with allergies?
As long as you’re feeling up to it, exercising is perfectly safe for your seasonal allergies. In fact, your workout can even help your seasonal allergies! Being sedentary leads to a sluggish flow of blood because your heart is pumping at your resting heart rate all the time.
What month is allergy season over?
“Tree pollen season is usually at the beginning of spring in March, April, and the first half of May while the grass pollen season is typically mid-May through early-to-mid-July,” he says. “And the ragweed season is usually from mid-August until that first frost.”
Why do my allergies get bad at night?
If you suffer from seasonal pollen allergies, this could be why you sneeze more at night. Additionally, allergens like pollen stick to your clothes, skin and hair during the day. This can lead to a buildup of these allergens in your home, causing your symptoms to be worse in the evenings.
Are allergies bad this year 2020?
2020 Hay fever season. Given that 2020 is predicted to be a wet year weather-wise, that is likely to translate into a high pollen load and bad hay fever season later in the year for the 1 in 5 adults with hay fever in Australia. Most “hay fever” sufferers have trouble for more than 10 years.
What time of day are allergies worst?
The pollen count is highest between 5 a.m. and 10 a.m. and again at dusk, so plan your workouts for other times of the day when pollen levels are lower. If you go out during high-pollen times, wear a face mask designed to filter out pollens.
How can I stop getting allergies outside?
Dress for outdoor allergies.
Make hats and sunglasses your go-to accessories this season— they can help keep pollen out of your hair and eyes. If you’re outdoors cutting the grass or doing yard work, you may also want to wear a pollen mask to reduce your exposure to allergy triggers and help prevent an allergy attack.
How do you stop allergies immediately?
Try an over-the-counter remedy
- Oral antihistamines. Antihistamines can help relieve sneezing, itching, a runny nose and watery eyes. …
- Decongestants. Oral decongestants such as pseudoephedrine (Sudafed, Afrinol, others) can provide temporary relief from nasal stuffiness. …
- Nasal spray. …
- Combination medications.

domain: medical


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Oklahoma Senate Passes Life Sentence for Hash Making
Category: News | Posted on Fri, April, 22nd 2011 by THCFinder
The Oklahoma Senate Wednesday passed a bill that would mandate a sentence of up to life in prison for making hashish out of marijuana. The House has already approved the measure, but it must go back to the lower chamber for a final vote.
Making this could get you life in prison in Oklahoma if a current bill becomes law
The measure sailed through the Senate with little debate, passing on a vote of 44-2. The House also approved the measure by a large margin, passing it on a vote of 75-18.
The bill, House Bill 1798, creates a new felony of converting marijuana into hash. A first conviction could garner a $50,000 fine and prison sentence of two years to life. Second or subsequent convictions would net doubled penalties.
Oklahoma legislative analysts said the bill would cost the state $56 per day, or more than $20,000 a year, for each day someone is imprisoned. At that rate, if Oklahoma imprisoned five hash makers for 10 years each, the bill to taxpayers would be one million dollars.
The bill was the brainchild of the Oklahoma Bureau of Narcotics and Dangerous Drugs (OBNDD), which says on its web site that its mission is "to serve the citizens of Oklahoma in the quest for a drug-free state."
According to the Tulsa World, OBNDD said there have been "few" cases of hash making in the Sooner State. But OBNDD spokesman Mark Woodward said the goal of the bill is to "send a message" that illegal drugs won't be tolerated in Oklahoma.
Neither, apparently, will common sense or a sense of proportionality.
Tomato Grower Wrongly Caught Up In Marijuana Roundup
Category: News | Posted on Thu, April, 21st 2011 by THCFinder
INDEPENDENCE, Mo. -- Hundreds of marijuana plants were seized by police officers on 4/20, a day celebrated in the drug culture to use marijuana. But when Independence, Mo., police showed up at one man's door looking for marijuana, they found something else.
Independence police found a growing operation Wednesday afternoon: a tomato growing operation.
"What I saw today was not protection," the man told KMBC's Cliff Judy. "That was harassment, all because of where I made a purchase."
Independence police said the Missouri Highway Patrol monitors stores that sell hydroponic growing equipment, and they use those sales to track down illegal marijuana growing operations. That information is what led them to the man's door.
"The last time I checked, it wasn't illegal to grow a tomato plant, but it makes you wonder," the man said.
The man asked KMBC News not to identify him because he is an emergency responder and his job would be put at risk for speaking out.
"What is anybody going to think now?" the man asked. "I'm probably going to be pegged now as a person who was growing something, but they couldn't figure it out."
Medical marijuana dispensary opens in Burnaby; Emery denied transfer to Canada
Category: News | Posted on Mon, April, 18th 2011 by THCFinder
On the same day that Burnaby saw the gala opening of its first dispensary for medical cannabis, and in the wake of a recent Ontario court ruling that struck down Canada’s pot prohibition as unconstitutional, supporters of Vancouver pot activist Marc Emery, imprisoned for selling mail order marijuana seeds, learned that the United States government had denied his application for a transfer from the US to the Canadian prison system.
"This is a sad day for everyone," Jacob Hunter, of the Beyond Prohibition Foundation told the Tyee on Friday, speaking from the opening day of Burnaby’s first medical marijuana dispensary at 4927 Kingsway on Friday, April 15. "Mark Emery is looking at five years in a US prison for selling seeds, which ought to be legal."
Five new users had registered at the Burnaby facility by mid-afternoon, when the Tyee spoke with Hunter. He said that a government funded survey estimates that there are over a million Canadians using marijuana for medicinal purposes, with only 6,000 of them holding Health Canada permits and only 30,000 registered with dispensaries across the country.
Feds raid medical marijuana facility, 3 other Oakland County properties
Category: News | Posted on Tue, April, 12th 2011 by THCFinder
Federal agents raided at least four properties in Oakland County this morning.
U.S. Drug Enforcement Administration agents were at Caregivers of America, a medicinal marijuana facility in Walled Lake, a home in Commerce Township and an office building in Novi and the Bayside Sports Grill in Walled Lake.
DEA Group supervisor Andrew Eiseman said sealed federal search warrants were executed at all three locations, but few other details were released.
He would not say why the warrants were issued or provide more details about the investigation. He did not say if any arrests have been made and would not comment on whether the raids were connected.
The home raided is located in the 3300 block of Benstein Road and is owned by Romel and Ban Casab, according to the Oakland County Assessor’s Office. Romel Casab is listed as the resident agent of Caregivers of America L.L.C. on state records. He has said in a lawsuit that he is one of the owners of the former Packard plant in Detroit.
A neighbor who lives across the street from the home said she first saw agents at the home shortly after 7 a.m. today. A black convertible was taken out of the garage and driven out before it was towed away, neighbor Annette Winberg, 66, said. Another car was also taken, she said.
About 10 agents were at the home this morning with four or five cars when a Free Press reporter arrived.
Government may move to allow prescribed cannabis into Ireland
Category: News | Posted on Tue, April, 12th 2011 by THCFinder
THE DEPARTMENT OF Health has indicated it is to consider adopting certain portions of European agreements that would see Ireland allow people to bring medicinal marijuana into the country if they were prescribed it.
Briefing notes for new ministers James Reilly and Frances Fitzgerald, released by the Department of Health last week and documented in today’s Irish Times, have indicated that Ireland could adopt certain parts of the Schengen Agreement, the accord that removes internal borders within most EU states.
Ireland and the UK are not parties to the agreement, but the briefing notes says the Department of Health had been told by the Department of Justice and Law Reform that it should take whatever measures were necessary to give effects to a certain article of the agreement.
That provision, Article 75, allows persons “travelling within the EU to carry their legally prescribed narcotic or psychotropic drugs for medical use” – a move that would see persons given prescribed medicinal marijuana elsewhere in the EU being allowed to bring it into Ireland.
The document notes, however, that implementing the Article would require Ireland to put in place some kind of legal mechanism which still retained the current prohibition on importing cannabis, while permitting EU travellers to bring their own prescribed drugs with them.
The Department says it would examine making such arrangements later in the year.
Experts say Cannabis Leaves may Reduce Seizures in Epilepsy
Category: News | Posted on Mon, April, 11th 2011 by THCFinder
It has been reported that the British government is growing cannabis plants in huge industrial-sized greenhouses with the hope of producing a new treatment for epilepsy, owing to the discovery of certain compounds in the plant by scientists which can reduce and control seizures related to epilepsy. Using tests in animals, they have been able to detect how effective the compounds preventing the seizure are and when compared to other epilepsy drugs, it's said to have fewer side effects.
However, the cannabis plant, owing to its recreational use in the 60s and 70s, it has not been view as a healing plant by people according to reports.
Epilepsy is caused by a sudden bursts of electrical activity in the brain, that disrupts the normal way in which messages are being transmitted, which can lead to debilitating seizures and fits where sufferers injure themselves during the seizure, in Britain alone, it has been reported to be suffered by 500,000 people.
Although, the cannabis plant is used to treat multiple sclerosis and for pain relief in cancer patients, two compounds from the plant called cannabidiol and GWP42006, have been used to control seizures in animals effectively and the researchers intend to start testing these compounds in humans in the next 3-years. In addition the characteristics “high” related to the cannabis plant is not produced by either of the compounds.
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