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Uk online degrees #forty, #five, #45, #degrees, #graphic, #design, #derby, #print, #litho #4, #colour,


So this is our shop, here we create design work that goes all over the world, it still amazes me! But I guess that is the power of the Internet!

In the shop we can also print your short run digitally printed poster’s, flyer’s, leaflet’s, pretty much anything, including up to 60 page booklets at A4 A5.

We can also print posters up to A1 and

photocopy up to A0.

Dean, Jay, Sarah, Andy Alan



We try our very best to make things as easy

as possible for you during the design process, and when it comes to print just tell us what you want and we will sort it all out for you, no fuss!

Don’t just take our word for it.

You make this process super simple and I really appreciate all your work and assistance. You are a vital member of the What’s On! team and I look forward to continuing to work with you.

Cory Cassell
Mission, Vancouver, Canada



We are based in a small market town in Derbyshire called Belper, however as you can see by the testimonial to the left to the left this does not limit us.

We work with businesses all over the world including Canada, America, China, and all over Europe, however most of our customers are here in the UK

We also repair Apple Mac Computers, we offer a buy install service too.
Call 01773 880 365 for more information.

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Positive – Negative Effects of Tourism #positive #effects #of #the #internet


Positive Negative Effects of Tourism

Related Articles

Tourism can bring many economic and social benefits, particularly in rural areas and developing countries, but mass tourism is also associated with negative effects. Tourism can only be sustainable if it is carefully managed so that potential negative effects on the host community and the environment are not permitted to outweigh the financial benefits.

Economic Effects — Positive

Tourism creates jobs, both through direct employment within the tourism industry and indirectly in sectors such as retail and transportation. When these people spend their wages on goods and services, it leads to what is known as the “multiplier effect,” creating more jobs. The tourism industry also provides opportunities for small-scale business enterprises, which is especially important in rural communities, and generates extra tax revenues, such as airport and hotel taxes, which can be used for schools, housing and hospitals.

Economic Effects — Negative

Successful tourism relies on establishing a basic infrastructure, such as roads, visitor centers and hotels. The cost of this usually falls on the government, so it has to come out of tax revenues. Jobs created by tourism are often seasonal and poorly paid, yet tourism can push up local property prices and the cost of goods and services. Money generated by tourism does not always benefit the local community, as some of it leaks out to huge international companies, such as hotel chains. Destinations dependent on tourism can be adversely affected by events such as terrorism, natural disasters and economic recession.

Social Effects — Positive

The improvements to infrastructure and new leisure amenities that result from tourism also benefit the local community. Tourism encourages the preservation of traditional customs, handicrafts and festivals that might otherwise have been allowed to wane, and it creates civic pride. Interchanges between hosts and guests create a better cultural understanding and can also help raise global awareness of issues such as poverty and human rights abuses.

Social Effects — Negative

Visitor behavior can have a detrimental effect on the quality of life of the host community. For example, crowding and congestion, drugs and alcohol problems, prostitution and increased crime levels can occur. Tourism can even infringe on human rights, with locals being displaced from their land to make way for new hotels or barred from beaches. Interaction with tourists can also lead to an erosion of traditional cultures and values.

Environmental Effects — Positive

Tourism — particularly nature and ecotourism — helps promote conservation of wildlife and natural resources such as rain forests, as these are now regarded as tourism assets. It also helps generate funding for maintaining animal preserves and marine parks through entrance charges and guide fees. By creating alternative sources of employment, tourism reduces problems such as over-fishing and deforestation in developing nations.

Environmental Effects — Negative

Tourism poses a threat to a region’s natural and cultural resources, such as water supply, beaches, coral reefs and heritage sites, through overuse. It also causes increased pollution through traffic emissions, littering, increased sewage production and noise.

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What is variable life insurance? #which #of #these #is #an #element #of #whole #life


What is variable life insurance?

100 % of people found this answer helpful

Variable life insurance is a permanent form of insurance that builds up cash value but allows you to invest the extra in sub-accounts that are managed by many professional management firms. The process of buying a variable policy is to allow your agent or registered representative to run an illustration showing the premiums required to purchase x amount of insurance that will buildup x amount of cash based on the sub-account illustrated performance. It sounds complicated, but it really is not. The key is running a policy that will sustain itself to age 95 to 100 with an interest rate of the sub-accounts that is reasonable, usually 7-8%. The sub-account is the insurance industry equivalent to mutual funds so do not get that confused. The market might average 9-10% for the last 100 years, but it is best to run your sub-account assumed performance a little lower than that for a little more security.

A good, experienced registered representative should take into account if a variable policy makes sense for your insurance/investment portfolio as many times these types of polices can be abused. Consumers can pay into it for a certain period of time and then change their minds mid-stream causing them significant out of pocket expense and then a possible surrender charge on the cash that they did build up. If the consumer does not make the long term commitment to the plan, they likely will lose quite a bit not to mention the time lost. If kept, the policy can be a great tool for insurance protection and cash value options down the road. However, this plan takes many years to complete and insurance needs change over time.

Jason R. Tate, ChFC, CLU, CASL

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81 % of people found this answer helpful

Variable life insurance is a permanent life insurance policy with an investment component. The policy has a cash value account, which is invested in a number of sub-accounts available in the policy. A sub-account acts similar to a mutual fund. except it s only available within a variable life insurance policy. A typical variable life policy will have several sub-accounts to choose from, with some offering upwards of 50 different options.

The cash value account has the potential to grow as the underlying investments in the policy s sub-accounts grow – at the same time, as the underlying investments drop, so may the cash value.

The appeal to variable life insurance lies in the investment element available in the policy and the favorable tax treatment of the policy s cash value growth. Annual growth of the cash value account is not taxable as ordinary income. Furthermore, these values can be accessed in later years and, when done properly through loans using the account as collateral. instead of direct withdrawals, they may be received free of any income taxation.

Similar to mutual funds and other types of investments, a variable life insurance policy must be presented with a prospectus detailing all policy charges, fees and sub-account expenses.

To learn more, be sure to read our related article, Variable Vs. Variable Universal Life Insurance .

This question was answered by Barry Higgins .

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77 % of people found this answer helpful

Variable life insurance is a permanent life insurance policy with an investment component. The policy has a cash value account, which is invested in a number of sub-accounts available in the policy. A sub-account acts similar to a mutual fund, except it s only available within a variable life insurance policy.

I m not a huge fan of this type of Life Insurance. I ve found people can better serve their protection planning needs with Universal Life policies, with additional benefits for things like Terminal Illness and Chronic Illness riders. With a fully invested portfolio, there is just too much market risk for many people who actually need the underlying life insurance coverage. Bad few years in the market could cause the cash value to drop and put the death benefit in jeopardy when you need it the most.

*The investment return and principal value of variable sub-accounts will fluctuate. Your cash value, and perhaps the death benefit will be determined by the performance of the chosen sub-accounts. Variable universal life insurance policies typically include mortality and expense risk charges, administrative fees, and fund expense charges.

Withdrawals may be taxable and subject to surrender charges. Policy Loans and withdrawal will reduce the policy s cash value and death benefit. Loans are subject to interest charges.

Hope this helps,

Securities and advisory services offered through National Planning Corporation (NPC), Member FINRA, SIPC, a Registered Investment Advisor. Trilogy Capital Trilogy Financial and NPC are separate and unrelated entities. The opinions voiced in this article are for general information only and do not constitute an endorsement by NPC. NPC does not provide tax advice. www.FinancialPlannerLA.com

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67 % of people found this answer helpful

Variable life insurance is the industry s attempt to let you have your cake and eat it too. It was a very popular product when I started my career selling life insurance in 1991. At that time, I was a captive agent with one of the original companies to manufacture it. The pitch was then and still is that the product allows you to get the best deal for a death benefit as well as the best deal for a living benefit. Maybe.

First, a little history.

From its inception, life insurance has typically been the most cost-effective way to pass money on to your heirs. No other product comes close to getting them the exact amount of money they need, exactly when they need it, for pennies on the dollar.

Still, the industry wanted to make the product more attractive, so they installed a cash account. This way people could get value from their purchase without waiting until they die. Whole life became popular and offered strong guarantees. Universal life then became popular and offered weaker guarantees, but more flexibility, and the potential for higher gains.

But, these gains would still be determined by the investment performance of an insurance company, so the industry went a step further. They separated the cash account from the policy and let the insured grow cash through market-based investments. Because life insurance can receive favorable tax treatment, these products offered the chance to make money in the market and not pay taxes.

Under the right circumstances, variable life insurance can do exactly that. These are what I consider to be those circumstances:

First and foremost, you have to qualify for a low premium. If the cost of insuring you is too high, then this overhead will significantly suppress your cash growth. Before you even consider purchasing this product, get prequalified for coverage to confirm competitive rates are available, given your own personal risk profile.

Second of all, you really have to know what you re doing as an investor. This product is treated legally as a security, and rightfully so. Like any investment, you have to manage risk and reward, factor in expenses, stay on top of asset allocation, and do everything else needed to insure optimum performance. If you are not prepared to do this yourself, then make sure you have an advisor who will.

Also as part of the management of the product, make sure you understand how to work within existing tax laws. There s a right way, and a wrong way, to grow cash inside life insurance, and take it out. Mistakes can be very costly. If you are considering paying significant sums into your policy, make sure you get professional tax advice.

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Home Insurance – Cover for your home #home #insurance, #house #insurance, #home #insurance #buildings,


Home Insurance.

Home insurance that gives you peace of mind.

With our Home insurance you get to choose from two levels of cover; Essentials if you want to pay less and Extra if you want to cover more. Get Buildings Insurance. Contents Insurance or both from us.

  • Includes cover for Fire, Flood, Storms, Subsidence, Escape of Water and Theft
  • A 24 hour legal and domestic helpline
  • Annual or monthly payment options
  • UK based call centres
  • Renew your policy online using our online payment portal for annual payments
  • Over 90 years of experience in insuring homes

Buildings Insurance

Cover for loss or damage from many causes such as, fire, explosion, lightning, storm, flood; theft and escape of water.

You can also get combined cover from us, add Contents cover to your Buildings insurance.

Contents Insurance

Cover for your household goods and personal belongings from causes such as fire, storm, flood and theft.

You can also get combined cover from us, add Buildings cover to your Contents insurance.

Extra and Essentials – our Home Insurance at a glance

Extra Home Insurance provides a more comprehensive level of cover for a wider range of events, includes some Accidental Damage cover as standard and the option to add additional cover options like Extended Accidental Damage, Personal Possessions cover inside and outside the home and Family Legal Protection.

Essentials Home Insurance provides a lower level of cover, but still includes important protection against events like fire, flood, storms, subsidence, escape of water and theft, with the option to add additional cover like Accidental Damage, Personal Possessions cover inside and outside the home and Family Legal Protection.

Our Buildings insurance also provides Home Emergency cover for up to 500 for Essentials and up to 1000 for Extra – giving you reassurance, should the worst happen.

Important information

Our home insurance is designed to cover certain unforeseen events and doesn’t cover everything. It doesn’t cover things like general wear and tear or damage that happens gradually over a period of time. There’s also an excess on each claim.

To find out more about what is and isn’t covered by our policies, please read the policy summaries and booklets, which can be found in the Key Documents section.

Need further help?

Whether you’re already a customer and have a question about your policy or looking to find out more about our Home Insurance, our frequently asked questions pages will help you find the answer. If your still unsure or want to talk to us, give us a call and we’ll be happy to help you.

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Transfer Degrees – Columbus State Community College #associate #of #arts #in #business


Transfer Degrees

Transfer Degrees

Our primary Transfer Degrees are the Associate of Arts and Associate of Science degrees (offered by the Arts and Sciences Division). These are specifically designed to be the first two years of a bachelor’s degree. They allow you to transfer your Columbus State credits to another college and apply them to a four-year degree.

Career Programs can also transfer. Our Career Programs degrees are designed to qualify you for a job upon graduation, but most of them can also be applied to a four-year degree. Search Transfer Agreements to see where your Career Programs degree can transfer.

Associate of Arts / Associate of Science

Arts and Sciences Advising

The Arts Sciences Academic Advising Team advises students seeking the Associate of Arts or Associate of Science degree for transfer to colleges and universities awarding bachelor’s degrees. Students can consult with an advisor for degree graduation planning, assistance with developing achieving academic goals, and transfer resources.

Ohio Transfer Module

The Ohio Transfer Module is a set of courses that fulfills general education requirements for all Ohio public colleges. Completion of the Associate of Arts or Associate of Science degrees guarantees completion of the Ohio Transfer Module as well.

Why should I get my Associate degree if I’m just going to transfer?

  • Big savings: The difference between one year and two years at Columbus State translates to as much as $25,000 that you don’t need to find, save, or borrow.
  • Students completing an Associate of Arts or Associate of Science degree at Columbus State Community College will be considered to have met all transferable lower division general education requirements for all state-supported institutions in Ohio.
  • With an associate degree, you’re guaranteed to enter your four-year school as a junior. That ensures you get the maximum credit for the classes you’ve already completed toward your general education requirements.

And we know completing the associate degree is a great first step – students who transferred after completing an associate of arts or associate of science degree were 77% more likely to complete a bachelor degree in 4 years (compared with students who didn’t finish their associate degree).


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California DMV Paperwork When Buying a Car #california, #buying #a #car #in #california, #california


Paperwork When Buying a Car in California

After buying a car in California, you will need certain documents from the seller before you can properly transfer ownership.

Use this guide to learn more about the paperwork required by the California Department of Motor Vehicles (DMV) for vehicle transactions.

Paperwork for California Car Buyers

Once you purchase a car in California, you’ll have 10 days to title and register it with the DMV to avoid penalty. This will vary depending on if you bought it from a dealership or a private party. as dealerships will file your paperwork for you and make it unlikely you’ll have to visit the DMV post-transaction.

When buying a car from a private seller, you’ll need certain documents from the seller before titling and registration can be completed. These include:

  • The vehicle’s title .
    • Fill out each of the transfer sections, including:
      • Signatures from the buyer and seller.
      • The purchase price .
      • An odometer disclosure statementIF the vehicle is under 10 years old.
    • If the title is missing, a new title can be obtained by the seller by completing an Application for Duplicate or Paperless Title (Form REG 227).
  • A smog certificate .
    • Required if the car is more than 4 years old.
  • A bill of sale .
    • Though not required by the California DMV to transfer ownership, a bill of sale can help you prove transfer of ownership and the purchase price.

CA Car Registration Paperwork

To title and register your vehicle in California, bring the following paperwork to your local DMV within 10 days of the purchase:

  • The vehicle title. smog certificate. and bill of sale as described above.
  • A completed Application for Title or Registration (Form REG 343).
  • Payment for the fees due, including:
    • Registration fee: $46 .
    • California Highway Patrol fee: $24 .

For information about registration, please visit our guide to registering a car in California .

Registering Out-of-State Vehicles

In some instances, you may have purchased a vehicle outside of California. or the owner has just arrived in the state and is selling their car. In these instances, the following paperwork may also be needed in addition to the documents outlined above when registering an out-of-state vehicle in California:

  • Out-of-state registration documents .
  • Current license plates .
  • A completed Verification of Vehicle (Form REG 31) completed by any of the following:
    • An authorized DMV agent.
    • Law enforcement.
    • A licensed vehicle verifier.
  • A completed Statement of Facts (Form REG 256).
    • You will need to fill this form out if you have previously paid sales or use tax in your former state of residence.


Complete this form to request a duplicate CA title OR paperless title, which you can use while transferring ownership of a vehicle.

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Forms and Types of Business Entities – Choosing a Business Entity #quality #business #cards

#types of business


Business Entity Types

To get the most out of your small business, choose the right structure. Selecting the right type of company or corporation for your new business helps maximize your chances of financial and operational success.

Common types of business structures and corporations include C corporations, limited liability companies (LLC), partnerships, S corporations, and sole proprietorships. Learn more about each type of business or corporation:

Limited Liability Companies (LLCs)

  • Independent legal structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • Taxed similarly to a sole proprietorship (if one owner) or a partnership (if multiple owners).
  • No limit to the number of owners.
  • Not required to hold annual meetings or record minutes.
  • Governed by operating agreements.

C Corporations

  • Independent legal and tax structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • No limit to the number of shareholders.
  • Taxed on corporate profits and shareholder dividends.
  • Must hold annual meetings and record meeting minutes.

S Corporations

  • Independent legal and tax structures separate from their owners.
  • Help separate your personal assets from your business debts.
  • Owners report their share of profit and loss in the company on their personal tax returns.
  • Limits on number of shareholders, who must be U.S. citizens or residents.
  • Must hold annual meetings and record meeting minutes.


  • Partners remain personally liable for lawsuits filed against the business.
  • Usually no state filing required to form a partnership.
  • Easy to form and operate.
  • Owners report their share of profit and loss in the company on their personal tax returns.

Sole Proprietorships

  • Owner remains personally liable for lawsuits filed against the business.
  • No state filing required to form a sole proprietorship.
  • Easy to form and operate.
  • Owner reports business profit and loss on their personal tax return.

Review our Business Comparison Chart for more details. Regardless of business structure you choose, incorporate.com can help you incorporate or form an LLC online or by phone for less than the cost of using an attorney.

Ready to Form a Business? Get Started

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Business Banking Insight – Independent Survey of Business Banking Products and Services #easy #business

#business banking


Business Banking Insight

The Chancellor of the Exchequer launched the Business Banking Insight programme in November 2013 to help improve competition in business banking in the UK. Run by the British Chambers of Commerce and the Federation of Small Businesses, we’re independent of any business banking provider, and survey tens of thousands of small and medium-sized businesses every three months to ensure the information we share is up-to-date. Our site is completely free to use and you will not be sold anything as a result of visiting.

There s no hassle, it s easy to use

Compare business banking products and services using our impartial rating system

We’ve conducted an independent survey of the UK’s business banking accounts, credit cards, loans and other services, asking thousands of small and medium-sized business owners about their experiences – so you can see how they compare.

Who s created this site.

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Risk Management MBA Programs: List of Schools #mba #risk #management, #risk #management #mba #programs:


Risk Management MBA Programs: List of Schools

School Overviews

A Master of Business Administration (MBA) program with a concentration in risk management trains students to identify and minimize potential risks involving public and private sector organizations. These programs usually take up to two years to complete and they can be found through the business schools of top universities. Risk can arise from causes as varied as shaky financial markets, liability in legal matters, and injury from accidents, natural causes or attacks, among others. The University of Pennsylvania, the University of Texas at Austin, and the University of Wisconsin – Madison all offer MBA specializations in risk management. Each of these schools was nationally ranked by U.S. News and World Report for 2017.

University of Pennsylvania in Philadelphia, PA

The University of Pennsylania ‘s Wharton School houses 10 academic departments and over 20 research centers and initiatives. The Wharton School offers an MBA in Insurance and Risk Management and an Insurance and Risk Management major and concentration, which focuses on the techniques of corporations, individuals, and organizations in minimizing loss with exposure to risk. A concentration is also offered in Risk Management. The school was ranked #4 among graduate business schools by U.S. News and World Report for 2017.

Find schools that offer these popular programs

  • Actuarial Sciences
  • Business and Commerce, General
  • Business Statistics
  • Customer Service Management
  • eCommerce
  • Logistics, Distribution, and Materials Management
  • Management Science
  • Office Management
  • Operations Management
  • Public and Nonprofit Organizational Management
  • Purchases, Acquisitions, and Contracts Management
  • Transportation Management

University of Texas at Austin

The University of Texas at Austin is home to the Center for Risk Management and Insurance, which produces research that is imperative to the public policy of risk analysis and risk management. McCombs School of Business at the University of Texas at Austin offers a course in Strategic Energy Sourcing Risk Management, which focuses on crucial topics to the business of energy sourcing. The school’s Center for Risk Management and Insurance provides Risk Management courses at the undergraduate and graduate level. As of 2017, the schools ranked tied at #16 for its graduate-level business program, according to U.S. News and World Report.

University of Wisconsin – Madison

For 2017, the University of Wisconsin ‘s graduate-level business program was ranked tied at #27 by U.S. News and World Report with a #22 ranking for its part-time MBA program. At the University of Wisconsin, the Wisconsin School of Business offers an MBA with a specialization in Risk Management and Insurance. After completing the core educational courses, students pursue studies that are focused on reducing organizational risks, particularly in the insurance industry. Even though MBA programs that offer concentration options in risk management are relatively rare, there are a few top schools with relevant offerings in this specialized field.

Next: View Schools

Majoring in risk management prepares students to work with both individuals and businesses in forecasting risk, safeguarding.

If you want to study financial risk at the MBA level, the most relevant degree is an MBA in Finance. Find out more about the.

Learn about the education and preparation needed to become a project manager. Get a quick view of the requirements as well as.

If you are interested in logistics management, you can pursue an MBA with a concentration in the field. Learn more about.

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Registered Nurses – Education and Training #education #of #a #registered #nurse


Registered Nurses


In all nursing education programs, students take courses in anatomy, physiology, microbiology, chemistry, nutrition, psychology, and other social and behavioral sciences, as well as in liberal arts. BSN programs typically take 4 years to complete; ADN and diploma programs usually take 2 to 3 years to complete. All programs include supervised clinical experience.

Related College Majors + Expand Section

Registered Nursing/Registered Nurse – More About This Major

Nursing Administration – More About This Major

Family Practice Nurse/Nursing – More About This Major

Nursing Practice – More About This Major

Nursing Science – More About This Major

Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing, Other – More About This Major

Adult Health Nurse/Nursing – More About This Major

Military Training

Job training consists of classroom instruction. Training length varies depending on specialty. Course content typically includes:

  • Practices and principles of military nursing
  • Care of emotionally disturbed patients
  • Health care for children
  • Nursing techniques
  • Anesthesia, respiratory therapy, and cardiopulmonary resuscitation

Certifications or Licenses

In all states, the District of Columbia, and U. S. territories, registered nurses must have a nursing license. To become licensed, nurses must graduate from an approved nursing program and pass the.

General Qualifications

Critical-thinking skills. Registered nurses must be able to assess changes in the health status of patients, including determining when to take corrective action and when to make referrals.


  • Medicine and Dentistry
  • Customer and Personal Service
  • Psychology
  • English Language
  • Therapy and Counseling

Most Common Education Levels

The level of education attained by people currently working in this career.

Schools with the Highest Enrollment for Featured Major

Schools with the Highest Enrollment for Featured Major

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