The Benefits of Online Food Safety Training

Food poisoning acts quickly and is caused by eating poisonous food. Food, which includes drinks, could have been poisoned by us, other people or by environmental factors.

The major cause of food poisoning is by bacteria, which are microscopic organisms. They are living creatures which inhabit this planet in great abundance. The majority of bacteria are harmless. In fact, without bacteria, it is very doubtful that this planet’s inhabitants (animals and plants) would survive. It has been suggested that we all originated from LUCA (Last Universal Common Ancestor) several billion years ago. Luca evolved into different branches: Eukarya, Archaea and Bacteria. We humans come under the Eurkarya domain. It is because of this link that scientists think bacteria have very similar cellular components and functions to us.

At home, food poisoning can be controlled by good personal hygiene such as regular hand washing and showering/bathing. The wearing of protective clothing, such as an apron, whilst preparing food, can also aid in food poisoning prevention. Many people prepare and cook food at home but never consider taking an online food safety training qualification to learn about the dangers of food poisoning. Perhaps they think that the courses are only for people that work in the hospitality industry.

Keep pets out of the kitchen when preparing food as they are a major source of infection. This includes dogs, cats, domestic birds and other cute, cuddly, creatures; they all harbour pathogens.

Keep raw food away from ready to eat food. All raw meat, salad vegetables and soil-contaminated vegetables hold pathogens and these can easily be transferred to ready to eat food by cross contamination. This is especially important when using barbecues. If you handle raw foods, wash your hands. Do not use alcoholic gels or bactericides for health and safety and environmental reasons. Soap and water is totally adequate.

Internal and external bins must be kept clean, inside and out, or they attract pests. Pest such as birds, insects and rodents carry other diseases apart from pathogens. Ensure outside bins have tight fitting lids. Do not leave any bags outside the bin, as these attract pests.

Have a good cleaning regime in the kitchen. Clean as you go, is a process that is used quite extensively in the trade. It is a method of preventing cross contamination by cleaning up as soon as any soiling occurs.

There are a lot of things to consider when cooking at home in order to remain free from food poisoning; that is why it is ideal for home cooks to learn food hygiene. One method is by online food safety training.

In order to work in the catering industry in the UK, personnel have to pass a food safety qualification. The level of which is based upon the type of job that is undertaken.

There are four levels of qualification:

Level 2 is designed for anyone working in a catering, manufacturing or retail setting where food is prepared, cooked and handled.

Level 3 is for managers, supervisors and chefs in medium and large manufacturing or catering businesses.

Level 4 is for managers, supervisors, senior hygiene personnel, business owners and food hygiene trainers.

Staff working in the catering industry, such as food handlers, chefs, supervisors, managers, business owners and food hygiene trainers have usually had to attend a training course to obtain a recognised food safety qualification. This results in time off work, finding staff to cover absence and loss of quality output if key staff are on the course. Many companies offer food safety courses online, but not leading to an accredited qualification which is recognised by industry, environmental health departments and educational bodies.

For food safety qualification to be accredited in the UK they must be recognised by Ofqual, DCELLS, CCEA and SQA and part of the Qualifications and Credit Framework (QCF).

QCF is the framework for creating and accrediting qualifications in England, Wales and Northern Ireland. It gives a wider range of learners the opportunity to get the qualifications they need, in a way that suits them. QCF qualifications are designed with the help of employers so learners can be assured that they’re gaining skills that employers are looking for.

The QCF:

• recognises smaller steps of learning and enables learners to build up qualifications bit by bit

• helps learners achieve skills and qualifications that meet industry needs

• enables work-based training to be nationally recognised.

Qualifications recognised under the QCF attract funding.

Qualifications within the QCF will be confirmed for funding for one or more of the Agency’s delivery programmes (Adult Learner Responsive provision, Offender Learning and Skills Service, Train to Gain, and Programmes for the Unemployed)

There is only one company in the UK that offers the three levels of food hygiene qualifications that are accredited by all the major educational bodies.

The benefits of online food safety training are:

· Lower costs of qualification compared to training room courses

· Avoiding adverse weather conditions travelling to training courses

· No sitting in a training room for endless hours

· Choosing when to study

· No travelling to course or examination

· Flexibility on completion of course

· Choosing when to sit the examination

· No need to take time off from work to study

· Full access to tutor before, during and after course

So there are several ways that food poisoning can be avoided at home using a common sense approach to preparing food. Regular handwasing, wearing protective clothing, good cleaning regimes, pet and pest control, waste control and enrolling on an online food safety training course can all help.

It’s time to reduce the cases of food poisoning, both at home and in the catering industry.

Complete Assistance in the preparation for the implementation of the SMR/CR can be obtained from us at Complaince Consultant Where we have experience in the banking sector from 2015/2016.

Source by Dave Summers

IFA Fails To Advise Correctly – No advise to fix or protect lifetime allowance

pension-lifetime-allowance-misselling

A financial advice firm has been told to compensate a client who was not advised to protect his pension benefits before the lifetime allowance was reduced.

Over the following years Mr M made further payments into his Sipp and in late 2006 the adviser said it was “a very sensible approach to top up existing pension funds with further contributions if they attract tax relief at this highest marginal rate”.

Mr M had several meetings with his adviser between 2006 and 2014 but there was nothing to show they considered any action to protect pension benefits from the decreasing lifetime allowance.

The Financial Ombudsman Service ruled Ormiston had failed to monitor the value of Mr M’s pensions so he had missed the opportunity to take fixed or enhanced protection.

Read More …

 

Pension Advisors, Pension Advisory Service, Pension Age In Uk, Pension Annual Allowance, Pension In Uk, Pension Protection Fund

How to Get Perfect Focus in Mediation

Many people doing meditation knows that the key to enter a deep meditative state while being totally awake and aware is to have a certain degree of steady yet relaxed focus on the breath, the third eye, the flame of a candle or something else.

But we fall sleep or drift off in our thoughts easily. We continue our practice on the relaxed focus and take our attention back, again and again, time after time, and every now and then when we reach this relaxed focus we get inner experiences.

In the book Vigilance written by Jim Robbins in 2000, he explains what happened when he experimented with increasing a specific range of brainwaves, known as the SMR brainwave frequency range (Sensorimotor Responce 12-15 Hz), in cats by the use of a tone stimulating this range .: "The animal entered a unique state – it remained absolutely still, although extremely alert, waiting for the tone to end. its way near enough to be pounced on. (P. 39) "

If you are into meditation you might find this interesting, because the state described above (even if it's a cat) is the ideal state for focusing your attention in meditation. Will this "tone" have the same effect on humans? Yes. Can you use this tone on yourself? Yes.

The importance of SMR brainwave frequencies

They are associated with relaxed, yet focused, behavior. It is believed that SMR brainwave frequencies make people feel more present and aware in the moment. Low SMR causes a lack of focus and attention, reflecting ADD. Increasing SMR through brainwave entrainment can produce relaxed concentration along with improved focus and attentive abilities.

Western science meets eastern spirituality

There are two sides to explaining meditation: The western scientific approach and the eastern "spiritual" approach. What you are doing when you focus on things like the breath in your meditation, scientifically speaking, is to increase the SMR amplitude in your brain while at the same time moving deeper and deeper within yourself. If you maintain this "spiritual focus" (eastern approach), or maintain the SMR frequencies (western approach), at the same time as getting more and more relaxed, moving down through the relaxed alpha state and down to the meditative theta state you will feel fantastic, get inner experiences and get very good effects from your meditation.

This is why so many meditation teachers and "guru's" say how important focus is. Just reaching the meditative theta state without any focus will just get you to near sleep without any memory of the time spent in this state when you return to wake state, and after a few minutes without this focus in the the state you will fall sleep. This is extremely common amongst meditators and according to me the number one reason why people give up meditation.

You may also have heard some guru say that you can not meditate. That meditation just happens by itself if you practice focus. This is easily understandable too since if you have an amplified SMR range and let go of everything, your brain will move down to a very relaxed state, maybe even near sleep, but you are still awake, experiencing all things this "near sleep" state has to offer. Even OOBE's (out of body experiences) is more easily attainable with a good amplitude of these brainwave frequencies. This is why meditation "just happens" but still takes practice.

Too much TV is bad for meditation.

I'm certain that you know at least one person that watches a lot of TV and have problems being concentrated. Science has shown that too much time spent watching TV can cause a general unfocused state of mind and the inability to concentrate. If this behavior becomes a habit, the risk is that the lowered ability to focus becomes more permanent. You can still get out of this "permanent" state by practicing concentration.

What do you get if someone is unable to focus, and at the same time is hyperactive? Sounds like something happening more and more to our children. The cartoons nowdays can be very hyperactive. So they will become both unfocused and at the same time hyperactive if spending hours of TV watching each day. Does not this remind you of ADD?

Using EGG to measure brainwaves, you can by 96% reliability diagnose ADHD. When checking the brainwaves of these children, there is almost always an inability to produce higher brainwave frequencies like the SMR range. This is what happens when your brain is never challenged to create the frequencies corresponding to focus. It gets permanent in the brain.

Did you ever start a day with watching TV or watching a screen for some other entertainment, then mediated and got irritated because you kept getting disturbing thoughts or falling asleep? This is why meditation is so effective early in the morning before doing anything else according to me. Now, are you beginning to see how important the SMR brainwave frequencies are?

Boost your brain with SMR brainwave frequencies

Get a CD or MP3 file using brainwave entrainment sounds to stimulate this range. There's also software that will let you create these sounds on your own, but they can be expensive. You can improve your meditation a lot using this just before you meditate. You might notice that you also start sleeping better and feel more able to stay relaxed yet focused in you every day life. This will give you more energy because you will stay relaxed when you focus which lowers your stress a lot.

There are so many areas in the field of mental ability where the problem can me solved by increased SMR brainwave activity. Just lowering your brainwaves to alpha or theta will make you lazy. You need to have some degree of relaxed concentration.

Complete Assistance in the preparation for the implementation of the SMR/CR can be obtained from us at Complaince Consultant Where we have experience in the banking sector from 2015/2016.

Source by Marcus Knudsen

Nutrition Certification – The Way to a Healthy Society!

"In order to achieve the success of many, it must start from the success of one". Just like in achieving a healthy society, there are several advocates which are very concerned in terms of the health of many, because this time, we can see a living evidence that many are suffering to malnutrition and illness due to improper diet and of course many are starving and does not have that income to buy for foods.

In that sense, Nutrition Certification plays an important role in the lives of the people who wanted to help those people who are suffering from malnutrition. If you wanted to help those people by heart, enrolling yourself to a certification program about nutrition is a good idea for you to take.

With Nutrition certification, you can gain a lot of knowledge that will help you build a healthy society, and of course it will always start form you. Gaining the knowledge also means that you are now capable of helping many people in order to attain a healthy lifestyle. In order to become certified and for you to be able to practice your profession, you need to have this Nutrition Certification by enrolling yourself to a Nutrition course. In the same manner, you can be able to go trainings in the different clinics for you to be aware of the different things that you need to do for your future patients.

You need to complete such course in order to get the certification. Once you become certified, you are already considered to be a certified Nutritionist. If you want to take the nutrition course easily, you can also take it online, because there are also several online courses being offered to those who aspired to become a certified Nutritionist. Start it right away and build a healthy society and start it with your help!

Complete Assistance in the preparation for the implementation of the SMR/CR can be obtained from us at Complaince Consultant Where we have experience in the banking sector from 2015/2016.

Source by Nghia Bui

Voice Over Microphones – How to Choose the Best One For You and Your Budget

The biggest mistake voice over artists make – and that includes some professionals – is using the wrong microphone. It can wreck your work. If you market yourself on Voice123.com or Voices.com, the wrong microphone will insure you do not get hired, or if you do, that you will not get hired by that same person again.

Here we'll look at the three types of microphones most often used, their strengths and weaknesses, cost, and how to determine which one (s) to go for.

We'll talk about the types, then look at specific brands, models, and prices.

Before we start, the most important thing I can say to you is that your microphone is the most important part of your entire audio chain, no exceptions. You can have the most fabulous gear in the world downstream from the mic, but if the mic does not cut it, it does not really matter about the rest of that gear. On the other hand, a terrific microphone followed by average-priced gear will give you a superior audio product.

What are you looking to do? Are you looking for a mic that's smooth and sweet, or hard-edged and in-your-face? Are you male or female? If you want to do movie trailers and screaming car dealer ads, you need a different mic than if you're doing "guy or girl next door" – realistic – voice work, or standard announce voice work. Here are the types of mics to consider:

Dynamic

Dynamic microphones are what you see in radio stations and are what live vocalists (singers) most often use. They're rugged, reasonably good-sounding, and okay for most voices, meaning one might not sound absolutely fabulous on your particular voice, but it will not sound awful, which is not true of other types, including some very expensive microphones. A dynamic also is not nuanced. The part that pics up your voice, the diaphragm, is connected to a coil of wire; air movement from sound makes the coil move between the poles of a magnet. The sound has to overcome the mass of the coil, and very small sounds do not get through.

This does not make them bad. Rush Limbaugh's Golden EIB microphone is a dynamic, and, again, most radio stations use them. They are good general-purpose mics, and many voice over pros use them. They are equally good for male and female voices, and you can do most any type of style with them.

If you're on a budget, a dynamic is the only choice, because the other two cost a lot more for ones that are worth it. There are cheap versions of the other two, and you do not want one!

So if dynamics are so useful, why spend more for a condenser or ribbon?

Condenser

A condenser microphone, of which there are two types, transistor and tube ("valve" in Europe), does not have the moving coil of wire attached to its diaphragm. It modifies an electrical current generated by an external power supply (found in most computer interfaces or with an external power supply, see your dealer for info, or internal batteries). Without the mechanical resistance of a dynamic mic's coil to overcome, a condenser is far more sensitive to nuance, and therefore sounds much more intimate.

Condensers come in two flavors: transistor and tube. A tube condenser, which is an expensive instrument (there are cheap ones and they make good paperweights but not microphones), is almost always the very best way to go. They sound very intimate and full, and have a great up-front sound without being aggressive. They are quite subject to problems from non-vocal speech components – 'f', 's', 'p' – and require a pop screen (see your dealer). Tube mics also produce what's called harmonic distortion, which we do not consciously hear but is responsible for what's called "tube warmth" (nothing to do with temperature!) And sounds quite intimate.

Condensers come in two other flavors: large diaphragm and small diaphragm. Large diaphragms are for when you want a big, intimate sound. Small diaphragms are said to be more accurate. However, the right one for you is the one that sounds best after making several-minute recordings with each and seeing if one is more fatiguing or if one just plain sounds better to you than the other. There are no rules. Both kinds are used for voiceover.

Many voice over artists prefert tube condensers over transistorized ones, but in all cases, what sounds best on your particular voice is what you should get. How to choose a mic? We'll get to that in a minute.

Ribbon

Here's the third type, in a class by itself: the ribbon microphone. While dynamics and condensers 'hear' with diaphragms, a ribbon microphone "hears" with a short, narrow, and very thin piece of corrugated aluminum suspended between two poles of a strong magnet.

You've seen the big, pickle-shaped microphones on Letterman's and Larry King's desks. They are RCA Model 77 ribbon microphones (used as props in this case), invented, I believe, in the 1930's. They were found everywhere for half a century. RCA quit making ribbons in the 1970's, and an enterprising genius named Wes Dooley bought all of RCA's stock ribbons (the ribbons themselves) and probably single-handedly re-introduced the ribbon microphone to the US market. His company is called AEA, and even the AEA logo is so designed as to closely resembled RCA's logo.

Ribbon mics are warm and smooth, jazz guys like to record with them, they're very nice for ladies' voices, and for certain male voices they add a nice satisfing depth. They also have a low output, which means that you have to crank up the input on your system to get a decent level from them. But raising the input results what's called the noise floor, and you can end up with a recording where you can hear hiss in the background. Wes and other ribbon mic manufacturers deal with this problem well, however, and some companies are making preamplifiers (talk with your dealer about this) specifically designed for ribbon mics.

Whether a ribbon – or any mic, for that matter – will sound good on your voice can not be known without actually trying one out. Ribbons are quite sensitive to moving air; if you blow into one to test to see if it's on, there's an excellent chance you'll destroy the ribbon. When ribbons were in common studio use, they were 'bagged' – a fitted bag was put over them – just to move them from place to place in the studio, to avoid ribbon damage from the air passing across them as they were moved .

Brands

Dynamics

There are a million brands, which of course goes for condensers, but not that many ribbon brands.

Not to worry, because there are several industry standards with which it's hard to go wrong. Here are the three most popular dynamics, and they probably outsell all the rest put together:

Electro-Voice RE20
Sennheiser 421U (see dealer about the specific one for your purpose)
Shure SM7
———
Shure SM57 / SM58 – less expensive and can be used if you do not have the money for the others

These mics, except for the last two, are in the $ 350- $ 700 range. Although each has a characteristic 'sound,' they are pretty close together in that respect. Each is well-made and dependable over the long haul, as in decades.

The Sennheiser, and, I believe, the SM7, have what are called proximate effects: if you get right on top of them they accentuate the lows. Many announcers in radio stations like to eat them; they want that deep "Voice of God" sound. They're better used at a distance of 6-10. "The RE20 is known for its lack of the procurement effect. Moreover, the RE20 was also made under a different model name, PL20. The finish color is a bit different, but it's the same mic. instruments and is no longer in production. I found a PL20 for $ 150 and am still jumping up and down, for the average used price of a PL20 or RE20 is double that.

For price-to-quality, none of these mics can be beat.

Condensers

Two flavors, here: transistorized and tube. As mentioned above, a tube condenser, like any well-designed tube device, generates overtones, which our ears perceive as "warmth." I say well-designed, because ever since tubes were "rediscovered" about 25 years ago, a lot of low-priced gear with a tube or two in them has hit the market, but they are not necessarily designed by people who understand exactly what they do nor how to design a tube circuit for best effect. This section deals with condensers in general.

Probably the most-recognized condenser mic name in the world is Neumann (pronounced NOI-man), and its most popular model is called a U-87. They sell new for around $ 3500, around $ 2000 or less used. A Neumann either sounds incredible on your voice or it sounds honky. It is the microphone National Public Radio uses exclusively.

It is found in just about every recording studio of any size. It will love your voice or hate it.

There are more expensive Neumanns, and a series of low-priced models prefixed with the letters TLM. A good number of voiceover artists use TLMs (<$ 1000); in my opinion they are not nearly as natural-sounding as the U-87 or a good dynamic. I had one but sold it after a few months. It could sound really good to your particular ear, however. I make this point because tastes different, and it is surely true that one voice can sound bad on a certain mic and superb on the next voice. So how does one choose? We'll get to that in a sec.

First, you must use a pop screen on a condenser. This device stops those blasts of air from non-vocal speech components, most notably "P" sounds, to which condensers are especially sensitive. Put your hand in front of your mouth and say "P." Feel the air? If that blast hits a condenser, let's just say you do not want to be wearing headphones at the time. Now, it's a good idea to talk across (at 45 degrees) not straight into, any microphone, because all of them will react badly to P pops; it is just that condensers REALLY react to them. Many RE20 users put pop screens in front of their mics even though most people do not use pop screens with dynamics.

Cheap condensers: a big no-no.

Cheap condensers are all over the market. You can buy a microphone with a nice spider shock mount and in a beautiful aluminum flight case all for $ 75. Um, I do not thin 'so, Looooxy. They are unnaturally bright at the top end and boomy at the bottom.

The really nefarious part of this is that, if you're just starting out, your ear is easily fooled into thinking that this sounds good. It does sound sort of exciting, but it is extremely fatiguing to listen to a recording made on one. As Phil Spector famously put it, "It's all in the middle." Americans like to crank up the treble and bass. If you have a mic delivering lots of highs and lows, and someone boosts the highs and lows on their music system, your work will sound worse than awful. Expensive microphones have rolled-off low ends and smooth high ends. Upon first using one you may even think, "Wow, what's the big deal about this thing? It's boring." No, it's natural. Unboosted highs and lows. In other words, it sounds like you, not you-through-a-microphone. That's as it should be.

Remember, you are competing with people who own high-end condensers, and that's how they sound. I'll take a $ 400 dynamic over a $ 400 condenser just about every time.

Ribbon microphones

I have experience with exactly one ribbon: an AEA R84. It sounds really good. It's an updated version of an industry-standard RCA ribbon, the Model 44, invented long ago and used forever, like the 77. It's tres cool-looking, and comes with a snarky-looking padded, fitted maroon bag for transport and protection. It's about $ 990.

There are other ribbons that have excellent reputations, more hitting the market all the time, see your dealer. I'm not aware of ribbons being used that much for voiceover, but I think it's because a great number of people do not know about them. I think it's also due as much to inertia as anything – everyone learns what everyone else is using and continues suit. Also, ribbons do not have the in-your-face sound that dynamics and especially condensers have.

How to choose the right mic for you

The really best way is to call a professional recording studio and book an hour or so of their time, and have them set up an array of mics around you and test read you, each mic going to a different track of a recording. It's infinitely better to match the mic to your particular (and unique) voice than to get just anything and try to make it fit using equalization (Google "equalization for voiceover" and read it!). I recommend you test no fewer than five mics, making sure to include all the ones listed above except the Shure SM57 / 58. When you listen to yourself recorded on each one, the best one will usually make itself plain, and it's a good idea to ask the recording engineer's opinion, for s / he knows what to listen for. My method is to listen to the records of the first two, choose a winner, compare it to the third one, choose a winner, compare it to the fourth, and so on. Then do it again, only have the engineer mix up the playback order.

Do not try this test in an amateur home studio. They almost certainly will not have the mics you need to make the test meaningful, and the person recording you will almost certainly not be competent to evaluate which mic to use for voiceover; most home studios exist for the purpose of recording music and sung vocal, not voice acting and voiceover.

What if you do not have a studio within 50 or 100 miles, or their rates are too high (although I think paying $ 100 to test several thousand dollars' worth of microphones will save you unbelievable heads, sending mics back, etc.)?

Here's what to do: if your budget allows, buy either a Neumann U-87 or a Lawson L-47 MPII. The Lawson is around $ 2000, or $ 1500 bucks less than the Neumann. The Lawson is the mic I have used for nearly 10 years. It sounds like Disney, but even more importantly, I have yet to record a voice on it that has not sounded really good.

It is sold factory-direct through a fella named Gene Lawson in Nashville, at Lawsonmicrophones.com. If you call them, you can talk right to Gene. He's a great guy.

Absent that kind of budget, get an Electro-Voice RE20, Shure SM7, or Sennheiser 421U (they come with a couple of variations so tell your dealer that you're using it for VO.

If you're not sure whether you really want to be a VO artist but would like to give it a trial shot, get a Shure SM57 or 58. They are $ 100 dynamics. As I said before, they are okay, and never sound bad on anyone's voice.

Where to get it?

If you're going to get an RE20 or Sennheiser or Shure, get it from your local music store (the best choice because service is right there, no mailorder hassles). If you do not have one, go online to one of the big catalog outlets such as Sweetwater, Full Compass, Zzounds, or Guitar Center. They have fairly liberal return policies and are easy to work with. They sell a lot of stuff and have competitive reputations to maintain. Plus, their prices are usually identical from piece to piece so they have to make up for it with really good service, all to our advantage.

If you've got the bucks for a $ 1500 – $ 2000 + condenser, go online to SoundPure.com. (Lawson are sold factory-direct only at Lawsonmicrophones.com) Sound Pure has professional sound recordists to talk to, and at those prices you need to talk to pros. Not that the catalog stores do not have pros, but their level of expertise varies. I've talked to guys who knew nothing about what I wanted and guys who knew a lot; at Sound Pure they're all pros and they are really interested in getting you what you need and not a penny more.

Tell them everything you want to do, what other gear you have, what to buy if you do not have any gear yet. They truly give a great big rip about their customers and about the pro audio business in general. I can not say enough good about them. In case you're wondering about all this nice stuff I'm saying about Lawson and Sound Pure: not only am I not getting paid by them, they do not know I'm writing this article!

To sum up: If there's a pro studio near you, book an hour and test their dynamics and condensers using the method above.

When you're ready to buy, if you want to spend $ 200- $ 700, get a dynamic: Electro-Voice RE20, Shure SM7, or Sennheiser 421U. Check your local music store first – everything's so much easier that way. From $ 1500 and above (which your local store probably will not have) get a tube condenser: Lawson L-47 MPII from Lawsonmicrophones.com, or for others, go to SoundPure.com and call them. Re the RE20, EV also makes an RE27. Some people really like them, some people really do not. I'd go with the RE20.

I've worked for years to get a good sound and am writing this to try to save you some time in finding your great sound.

Complete Assistance in the preparation for the implementation of the SMR/CR can be obtained from us at Complaince Consultant Where we have experience in the banking sector from 2015/2016.

Source by Michael K. Holmes

Smack Down Vs Raw 2009 – The Xbox 360's Losing Battle

The SMR series has been running for well over 8 years now and it's been rehashed so much that it's starting to get monotonous and I do mean very monotonous while the graphics keep getting revamped. All the modes as well as the game play is still pretty much similar to all the other wrestling games out there today.

With the SMR series crossing over all the consoles such as the Nintendo WII as well as the PS3 there is a general consensus among all gamers that the series has pretty much died out all the spin offs and other games out there today you cant really put a wrestling game in the market and expect it to do much business.

While most of the rooster keeps getting updated and the manger mood as well the game itself has been revamped and rehashed so many times that its just down right sickening now.

With the likes of Tekken 6 and Soul Caliber entering the Fray of Xbox 360 Fighting games its highly dubious that games like the Smack Down Vs Raw series are going to do be doing a lot of business for the companies that produce them in the first place, the other thing you need to keep in mind is that beat-em-ups are not much in demand these days, with the advent of such game series as the Halo series as well as the Final Fantasy CC versions of the game coming out the SMR series is slowly dying out.

While some of the mechanics of the game look a little polished most of the game is the same old beat-em-up mix where you grab the other guy throw him out of the ring and beat the living daylights out of him till you can get the three count. The story line is the same the customization options however have been updated a lot and you get to design your own Pyro's as well as the entrance.At the end of the day it's about time Yukes and Jacks Pacific hang up their hats on the SMR series .

Complete Assistance in the preparation for the implementation of the SMR/CR can be obtained from us at Complaince Consultant Where we have experience in the banking sector from 2015/2016.

Source by Adnan Akramz

Honda Accord Repair Car Maintenance

Chances are if you don’t own a Honda, you probably know someone who does. As the second-largest Japanese automobile manufacturer, Honda creates popular vehicles that are durable, zippy, and dependable. 

Some of the scheduled maintenance & services that your Honda car, truck or SUV may need include:

  • Oil Changes / Lube Service
  • Tune Ups
  • Radiator – Coolant / Antifreeze Change / Flush
  • Air Filter Replacement A/C – Air Conditioning
  • Wheel / Tire Alignment
  • Timing Belt Replacement / Inspection
  • Brake Inspection / Check / Repair /
  • Service Exhaust & Muffler Repair & Service
  • Honda Inspection Service
  • Transmission Service & Repair
  • Suspension and Shock Absorber repair service

The Honda Accord is one of the most beloved sedans ever. Excellent engineering, comfort, and reliability are reasons Accord owners often buy the same model again. However, every vehicle will have mechanical problems at some time or another.

Here are the top 5 most common Honda Accord repair problems.

#1: Vibration When Braking This problem typically is caused by warped front brake rotors. Some owners describe this as a rattling, shaking, or rubbing sensation. Accords with over 98,000 are more likely to experience this issue. In some cases, the rotors can be machined as a fix. If too thin, the rotors will require replacement. Brake pad and rotor replacement can cost up to $900, parts and labor.

#2: Transmission Failure Transmission slippage, poor shifting, skipping, or failure may occur in some Accords, usually at over 70,000 miles. Repair might require a transmission overhaul or complete replacement If your vehicle is under the factory warranty, the repairs should be covered. If not, costs for repairs can run you anywhere from $2,000 to $4,000.

#3: Compliance Bushing Cracking If you hear squealing or feel shuddering when turning, it could mean that a part of the steering/suspension mechanism is broken. The compliance bushing is typically the culprit, especially in Accords with 95,000 miles or more. In some cases, a cracked compliance bushing will be detected upon routine service or oil change. Typical repair cost for this problem is $500 to $600.

#4: Power Door Lock Failure Your Accord’s power door locks might activate intermittently on their own, usually on vehicles with over 105,000 miles. Also, the remote door lock control might not function properly. If your vehicle is equipped with an alarm, you might have problems with it going off due to a door lock malfunction. Each door has an actuator, and if one is faulty the entire system can be affected. It costs about $200 to have a door lock actuator replaced.

#5: Dashboard Display Dark For Accords with more than 109,000 miles, you might experience the dashboard display going dark, especially the radio and climate control. This problem is caused by a faulty circuit board which should be replaced. The total cost to repair, parts included, can be around $200 to $300.

Overall the Honda Accord has proven to a reliable and dependable vehicle and consistently garners high customer satisfaction reviews. So what new for the 2016 Honda Accord.

The Honda Accord receives a variety of updates for 2016. Revisions include updated exterior styling (including new LED taillights for all models), revised suspension tuning, new interior trim and, on EX models and above, a 7-inch touchscreen with Apple CarPlay and Android Auto functionality. All sedans except the base LX model now get a 60/40-split rear seat, while the new Honda Sensing package of driver assistance features is available on all trim levels.

Complete Assistance in the preparation for the implementation of the SMR/CR can be obtained from us at Complaince Consultant Where we have experience in the banking sector from 2015/2016.

Source by Robert Emanuel

The GDPR and UK Financial Advisers: Consent, Erasure & Accuracy

GDPR general data protection regulation 2018 eu presentation kit

General Data Protection Regulation (GDPR) Data Subject Consent is essentially targeted at giving data subjects more control over use of their data – for example in connection with marketing activities, which (in the absence of consent) could not otherwise be legally warranted by a data controller.

Giving a data subject the option to give or refuse consent protects individuals from unwanted and unjustified communication from service providers and is highly aimed at the business-to-consumer world. It will affect advisers given that it will dictate how they can approach new business opportunities from new or existing clients.

If an email, SMS message or phone call is sent or made to an individual and that individual follows it up with a request to understand where they gave permission for such correspondence, then it is the obligation of the firm to be able to prove the individual in question has indeed consented to receiving such correspondence. If the firm cannot provide this evidence, then this constitutes a breach.

GDPR and financial advisers: The Right Of Erasuregdpr uk financial services fca
While this does have an effect on correspondence with clients, it only affects certain types. The other relevant condition for advisers to be aware of here is the ‘necessary for the performance of the contract’ condition.

A client may well opt out of marketing communications, such as a firm’s newsletter, but the firm would still have to send them correspondence on things like portfolio updates and contracts as such correspondence is essential for the performance of the contract between the data subject and the firm. What would the data subject be expecting to receive from the firm?

The opt-in process for obtaining valid consent under the incoming General Data Protection Regulation (GDPR) will be quite onerous for firms marketing to individuals. It is therefore a good idea to get into started early and consider how the firm will market to prospects post-GDPR.
You can obtain a full GDPR presentation along with two question packs at https://goo.gl/n5JsXy

GDPR and financial advisers: Data Accuracy
Simple steps could be taken now, for instance, updating the privacy policy to make sure that the firm has made some inroads towards compliance. In marketing materials that are submitted now, it deserves including the double “opt-in” option in such correspondence. Provided the guidelines for obtaining valid consent under the GDPR are met, if people opt in now, then the firm will have the ability to correspond with them after 25 May 2018.

If consent from an individual is sought, they must respond to be considered to have opted in. Their silence or inaction are not indicative of consent. Similarly, where someone has opted into correspondence at an event, in person, the firm should consider a mechanism to follow up to gain their unequivocal written consent as a form of best practice.

This applies to of electronic opt-ins too and is called ‘double opt-in’. This is to avoid circumstances whereby an individual’s details may have been shared under false pretences, or by mistake. A face-to-face meeting does not constitute an explicit response. Compliance Consultant (http://www.complianceconsultant) can help you through this.

fca operational risk management rules mapping handbookConcerns Raised
How would you know if someone had given consent to be marketed to and, beyond that, how are they going to get clients to say yes in the future.

The topic of consent, is one of the few black and white areas of GDPR with draft guidance. If the person being marketed to – that is to say, being contacted outside the bounds of the performance of a contract – has not explicitly and unambiguously agreed to be contacted, then this would constitute a breach of the GDPR.

Clients can not be deceived at all. Having a pre-ticked box below an online form, for example, does not constitute consent. The user must be made aware of what their contact details will be used for, how their data will be processed and have the opportunity to make their own choice about whether or not they receive communication from the firm.

When it comes to legacy clients, where a firm may wish to contact them to notify them about new products and services, then it was agreed the firm would will need to seek their permission to do so.

This will have to be done in advance of GDPR entering force, since any correspondence after 25 May 2018 in this fashion will constitute a breach, since those individuals will not have consented to be contacted at all. If firms have not begun to seek consent – or fresh consent in order to meet the higher threshold under the GDPR – from existing contacts within their database, then they should seek to do so now.

If these individuals do not respond to requests, it is to be believed they do not wish to be contacted. It is worth demonstrating the benefits they will lose out on from desisting so, like special deals, new investment opportunities, industry news etc.

Beyond receiving their unambiguous consent to be marketed to, a firm also needs to keep it very easy for an individual to change their communication selections – or in other word, withdrawing consent. This is just like offering an unsubscribe option on emails – something firms should currently be doing.

There is often discussion whether it would be acceptable to include a small amount of marketing in documents that are distributed to individuals as part of the performance of the contract. This could, for example, be used as a vehicle to update them of new investment opportunities. The answer is that yes it can, but the marketing must, however, be relevant to the overarching reason of the letter and should not detract from that as the main message.smr smcr fca aper

Data subject consent: Key actions and considerations

As consent from individuals must be unambiguous and they must also have the opportunity to redefine their communication preferences at any time. How will you achieve this?

How will you ensure the person competing the form/questionnaire/application is over the minimum age?

Even if the client “Opts-Out” certain correspondence may be necessary for the performance of the contract with the individual concerned, in which case consent would not be required; how will you explain this?

The fall back position is simple; If there is ANY uncertainty about whether a firm has consent from an individual, then it should consider that it does not have consent.

Data subject consent: Questions for the all industry advisers

Have you started gathering consent from clients and prospects and if so, how? How is it recorded?

Does this data form part of Senior Management MI Packs?

How and when are you going to seek consent from legacy clients?

Do you currently capture consent and, if so, how would yo demonstrate this?

 

Compliance Consultant can assist you in all your GDPR preparation and can work with most websites, back office systems and financial promotion strategies. Contact us now on 0203 815 7939

 

Specialist Regulatory Compliance Consultancy

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MIFID II What Compliance Wealth Managers & Advisers Need To Get In Place

MiFID II finally comes into effect on 3 January 2018

Although there may still be some grey areas, it is time to make sure you have your compliance arrangements in place or being progressed so that there are no nasty surprises.

Get a PDF of this post from this link (right click and “download as…”)

Here are 11 things we suggest wealth managers, asset managers or independent financial advisers do to best prepare themselves ahead of the New Year deadline:

1. Not only make a register of all conflicts of interest, but also articulate how these are mitigated or managed and review them, at least annually.

2. Review whether your firm needs additional qualifications, training or Part IV permissions to maintain independent status.

3. Structured Deposits: * HOTSPOT* Apply for new permissions by 2 January 2018 if you wish to advise on these.

4. Carefully consider your recruitment procedures and ascertain if they need tightening (consider SM&CR impacts too).

5. Conduct Risk: Review your remuneration structure and ensure no incentives negatively impact clients.

6. Decide which staff the “Personal Account Dealing” rule should apply to, and create a register of direct equities they hold.

7. Create or amend your Personal Account Dealing policy to reflect the need to report staff holdings changes.

8. Legal Entity Identifier: * HOTSPOT* Decide if you need to apply for this through the London Stock Exchange.

9. Confirm if your discretionary fund manager (DFM) or platform will offer online reporting access and thereby avoid the need for time consuming paper reporting.

10. Ensure you are comfortable with and confirm whether your DFM or platform will issue the 10% loss notification and how. This an extension of the COBS 16.3 rules (https://www.handbook.fca.org.uk/handbook/COBS/16/)

11. Check your agency agreement with your DFM where model portfolios are being used: does the responsibility for regular and ongoing checking of suitability sit with you as the adviser?

Legal Entity Identifier (LEI)
A key impact of the new regulations is that from 3 January 2018, an investment management firm will only be able to continue trading in financial markets on behalf of certain clients if those clients have obtained a LEI. If you have clients that are required to have an LEI, have you informed them of this? These entities include; Trusts (but not bare trusts), Companies (public and private), Pension Funds (but not selfinvested, personal pensions), Charities, and Unincorporated Bodies.

Note that investment trusts and ETFs are not excluded from the requirement for a LEI. Advisers might need to consider whether the cost of an LEI has any impact on a decision to use other than collectives in portfolios. The other point to note is that an LEI is NOT required if investment is being made exclusively in collectives such as investment bonds, OEICs or unit trusts.

How do you obtain an LEI?
The LEI can be obtained directly from the London Stock Exchange (LSE) for an initial fee of £115+VAT and there is an annual renewal fee of £70+VAT.

 

Mifid Ii Requirements, Mifid Ii Transaction Reporting Requirements, Mifid Ii Compliance, Mifid Ii Compliant, Mifid Ii Regulation, Mifid Ii Esma, Mifid Ii For Dummies, Mifid Ii Lei, Mifid Ii Overview

Shih Chon

Shih Chon is a dog that is a cross between a Bichon Frise and a Shih Tzu. Shih Chon is a great companion and a perfect dog to keep around the house and are medium size dogs and usually do not get much bigger than a big cat.

Thus, they are not suitable for outside. Make sure someone from the family is with them when the dog is outside. The dog should be provided nice fenced backyard to play. This would help them to keep safe from other dogs. These dogs are perfect family dogs and mix up easily. They are excellent companion with kids, and they are very loving. Shih Chon is a lap dog and needs to be attended every time. They are keen to sit on your lap always. Generally they sit on the lap quietly however sometimes they like to jump up and sit in the head of the households lap. So you need to watch out, it is going to want to sit in your lap.

The Shih Chon usually weigh about 8 to 15 pounds, thus, the dog is small and can be easily made sit on lap and you do not have to worry about them getting too big. The dog is pretty calm and if you want to scale their calmness then on a scale from one to ten (ten being the highest), they range about a 3. Although the dog is small in size then too sometime it show wild behavior. As the Shih Chon is gentle and is not very active, it makes a great dog for the retired people. The dog if properly trained can even will sit and watch TV with you or sit next to you when you are playing video games; this is the dog for you. At times the dog will not sleep and only watch you doing things and will company you till late night.

The Shih Chon watch fast moving things eagerly and most of the time they will watches your hands, because they move fast. As the dog is medium size and has a single coat it sheds less hair or no shedding. So the Shih Chon is perfect dog for those who hates matting or are allergic to dog hairs. Let’s thanks to these designer dogs, like the Shih Chon, now you can own your own dog. One should give this a try. The dog has a well built body and has great personality. Shih Chon is not a independent dog.

The dog hates to be alone and if left for long period can be a victim of separate anxiety. However, if proper care of the dog is taken they can outlive most big dogs, but fall short of outliving the smaller dogs. Generally, the dog is healthy however; it does have some health problems like skin infections, cushing syndrome, dental disease, patellar luxation, bladder and kidney stones. The average life span of the dog is 12 years.

Complete Assistance in the preparation for the implementation of the SMR/CR can be obtained from us at Complaince Consultant Where we have experience in the banking sector from 2015/2016.

Source by Jen Carter