Dealing With Reptile Mites

Getting a bloom and medical allowance adduce provides a bulk of things. Firstly, you are assured of a assurance net in times of accidents, ailments, as able-bodied as injuries brought on the body. Secondly, through bloom and medical insurance, you can backpack out class tests, screens as able-bodied as vaccinations appropriately ensuring that you are calm and calm and in acceptable health.

With a all-inclusive bulk of insurers alms these services, the charge for a bloom and medical allowance adduce that best fits into your claimed needs, wants, as able-bodied as preferences can never be overlooked. There are a bulk of means that you can get allowance quotes. The actual aboriginal adjustment involves analytic online for quotes.Most insurers accept taken up the use of the online aperture to acquaint and advertise their affairs due to a bulk of factors. Firstly, a greater admirers is reached. A bulk of individuals are generally searching for a bloom and medical allowance adduce that best fits into their banking needs as able-bodied as claimed tastes and preferences. The internet has brought this casework afterpiece to them through enabling them admission to advice apropos the quotes just by a bang of a button.

In addition, the internet offers an direct and seamless alternation forum. Due to the charge for personalization and customization, insurers accept best up the use of the internet to facilitate this. A adduce can be discussed as able-bodied as adapted acknowledgment to the internet. Last but absolutely not the least, the internet offers all-inclusive opportunities for one to analysis as able-bodied as analyze the assorted bloom and medical allowance quotes that are accessible in the market.

When gluttonous a bloom and medical allowance quote, there a bulk of affairs that you should consider. Take agenda of the apology plan. Deemed the a lot of expensive, this adduce admitting offers a all-inclusive array of casework as able-bodied as allowances for one to accept from. As discussed, a bloom and medical allowance adduce seeks to accommodate a assurance net appropriately you should consistently accomplish abiding that your net is able-bodied fixed. This can alone be done by accepting an allowance plan that is acceptable for your needs.You should aswell accede the bloom aliment organizations plan. As the name suggests, this plan sets up a bloom and medical allowance adduce that enables you to seek analysis from a bulk of organizations. It is almost affordable and can be acclimated for a advanced ambit of casework as able-bodied as products. There are added affairs available; you should ensure that you backpack out a absolute analysis afore clearing on a accustomed quote. Finance is the above agency that influences the options accessible on accustomed bloom and medical allowance quotes. Ensure you apperceive of your premiums, co-pay package, as able-bodied as the bulk of deductibles that will be charged.

Designing Your Life: Unlocking the Infinite Possibilities

It’s the dream of every person to make the most of his/her life. Unfortunately, few are able to live the lives that they always wanted. This article is going to teach you what you need to do to unlock the infinite possibilities in your life:

Get rid of fear

Many people have big dreams, but very few chase after them. The main reason for this is: FEAR. People fear executing their business ideas as they are afraid that they will fail. Others fail approaching women of their dreams for fear of rejection.

You will never exploit your full potential if you are always in fear. To get rid of it you need to understand that fear is nothing but a false belief. Before coiling your tail behind your legs understand the actual and perceived risks involved in what you are doing.

Whenever you come across a situation that gives you fear, talk back to your negative thoughts and analyze the risks involved. If you are scared of executing a business plan, what are the risks involved? You will probably fail and learn an important lesson.

If you are scared of approaching a woman of your dream, what are the risks involved? The worst she can do is say: NO.

Get rid of fear and you will be on your way to unlocking infinite possibilities in your life.

Surround yourself with the right people

People are the most precious resources you can have in your life-but you need to surround yourself with the right ones.

As rule of thumb you should get rid of people who don’t have the same ambitions as you. Analyze your close friends and see whether they add value to your life. To unlock infinite possibilities, surround yourself with people who will help you reach your goals.

If you want financial success, surround yourself with financially successful people. There is no point of hanging around broke people as you will never learn how the rich make their money, so you will remain broke.

Unleash the power within

We all have a lot of potential within us, but most of us don’t realize it. The late Myles Munroe used to say that there is no wealthier place than the grave. This is true as most people die without exploiting an ounce of their potential.

Investing in yourself is the most effective way of unleashing your potential. Read books, attend seminars and conferences, and have role models that will help you unleash what is in your inside.

Change of environment is another way of unleashing the power within. It’s often said that not every environment is right for growth. You need to find an environment where you have the right resources and challenges to exploit your potential.

If you are born and raised in the rural areas, and you feel that the environment is limiting you, move to the urban areas.


Conquering your fears, associating yourself with the right people and unleashing the power within are three things that you should carry with yourself wherever you go. Execute them and you will definitely unlock the infinite possibilities in your life.

Short Run CD Printing Project Packaging Considerations

When you begin to look into the packaging requirements for your project, you will discover that there is a huge array of different types of CD packaging available for a wide range of purposes. Your choices range from very simple, inexpensive packaging, such as plastic or paper wallets; up to expensive, premium packaging types such as jakeboxes and bespoke printed metal tins.

Once again, the project budget will dictate the type of packaging you use but you will need to consider the intended end use of the packaged CD. Also, you will need to decide whether or not you will use a professional service to pack your CDs and this depend upon the quantity of CDs you are hoping to package as well as the packaging type. For instance, packing 500 CDs into plastic wallets can be done by hand in a couple of hours but packing 500 CDs into jewel, inserting the necessary paper parts and then wrapping each unit with plastic overwrap would take days if you tried to do this by hand. Most short run CD printing companies will have automated CD packaging facilities that can do this sort of packaging job very quickly.

The next section of this guide will help you to decide upon the best method of packaging your discs according to your particular short run CD printing project requirements:

Plastic or paper wallets

As mentioned, these are the cheapest option available and they offer little protection to the disc. They are obviously very lightweight and slim which means that they are most often used when a disc is to be included in some sort of printed media such as a magazine or brochure. They can be secured to a page within the media using glue spots to stop the disc and packaging from falling out but protecting the page from damage when removed. They are also useful if the CDs are to be given away at an exhibition or conference due to their low cost.

Card Wallets

Card wallets are a popular CD packaging choice due to their versatility. They are more robust than a plastic or paper wallet and offer better protection for the disc. The thicker the card stock used to make them, the better the protection offered. They can be digitally printed and either matt or gloss laminated to give a really premium feel to the packaging.

Most CD card wallet suppliers will offer a range of variants that will hold either a single or multiple discs. These variants are made using different templates; some hold the disc in a horizontal “pocket” type slot and some hold the disc or discs between two layers of card, the discs being inserted via the open end of the packaging.

Their lightweight, slim characteristics make them ideal for sending CDs through the post and, very often, if you order a CD online you will receive it in this sort of packaging. A card wallet can also be used where the disc is to be included with some form of printed media, especially where the inclusion of instructions for use of the CD are required and where indication or promotion of the contents is a project requirement.

For musicians who are selling audio CDs from a merchandise stall at a gig, CD card wallets are perfect as a large quantity of discs don’t take up too much room in the tour van but a good design and good quality wallet still means the purchasing fans are receiving a premium product.

Again, although more expensive than plastic or paper wallets, they are also great for giving away CDs at exhibitions if the project budget allows for it.

Jewel Cases

CD jewel cases are the standard packaging type most commonly associated with audio CDs purchased in a high street music shop. They are made of a clear polycarbonate plastic and are roughly square in shape. They offer great protection for the disc and can accommodate an information booklet. This is particularly useful for audio CDs where the artist wants to include song lyrics and acknowledgements, and also for software discs where instructions for use of the software are required. The standard jewel case is designed to take a booklet with up to 16 printed panels which equates to 4 sheets printed on both sides, folded and stapled along the spine.

CD jewel cases are a great presentation method for CDs but they are not particularly good for sending discs through the mail. This is mainly due to their increased bulk compared with a card wallet, but also because they are prone to shattering under heavy impact – particularly at the hinge points between the front and rear parts of the case. They would need to be well padded before sending through the post defeating the object of lowering postage costs.

If your project has encountered a requirement for additional storage and needs to be spread over multiple CDs, then there are jewel cases available that will accommodate up to 6 CDs. A case to house 2 discs will have a swinging disc tray that can hold a disc on either side and will be no more bulky than a standard CD jewel case. Cases housing more than 2 discs will have a thicker spine as they need to hold more than 1 CD tray inside. Conveniently, the paper parts still tend to be the same dimensions as those for a standard case.

Slim-line versions of the CD jewel case are also available, some of which do not require a printed rear CD tray card, should the project budget not stretch to a full size case or a thinner case is required for posting out a disc. Be aware, though, that the slim-line cases tend to be less robust than the standard cases.

DVD Cases

These are the type of case you would normally associate with a DVD movie or PC/console game. They are generally about 190mm x 135mm with a 14mm wide spine and are usually seen in black or clear form, although they are available in a wide range of colours. The DVD style case has the added advantage of being able to accommodate a larger information booklet than a CD jewel case. They are made using polypropylene plastic which is more flexible and less susceptible to impact damage than the polycarbonate jewel case.

DVD cases have a plastic liner adhered to the outside which allows them to have a printed wrapper inserted on the outside of the case. A case with a 14mm spine can contain up to 6 discs and there are also slim-line versions available that can contain from 1 to 4 discs with a 7mm spine. There are many variants of this type of case which are commonly available and will suit most short run CD printing projects, whether you need a case for a single disc with a large amount of printed material to accompany it, multiple discs or a combination of discs and printed material.

Clamshell cases or Trigger Cases

These CD cases are made from a polypropylene plastic material that is flexible and very robust. They offer great protection for the CD and the discs can be packed into them very quickly.

The trigger case has an ejection trigger in the top left corner opposite the open end of the case where the CD is inserted. This mechanism has 2 functions. Firstly, it holds the CD inside the case and when pressed, the trigger mechanism pushes the CD out of the case just enough that it can be grasped between two fingers and removed from the case. The trigger mechanisms are usually brightly coloured and the cases are usually clear plastic so that the printed CD surface can be seen through the case.

The clamshell case has a hinge along one edge and one half has a moulded in stud which has 2 functions. The stud holds the CD securely in place and the 2 halves of the case clip together over it. Clamshell cases are available in a range of translucent colours but are most commonly seen moulded in clear plastic to allow the CD print to be seen through the case.

These types of case are great for sending CDs through the post as they offer reliable protection for the disc and they are slim and lightweight. The clamshell cases, in particular, can be obtained relatively inexpensively and so are also great for handing out CDs at an industry show or exhibition.

Premium Packaging Types – Jakeboxes and Metal Tins

A jakebox is a card CD packaging type which contains a clever mechanism for securing the CD in place, and when the box is opened, the CD is presented to the user held in a cardboard claw. It’s a very impressive type of packaging which can be fully digitally printed to give the end user a real WOW factor. The drawback is that they are expensive and are generally only used for special or limited edition releases where the user needs to be given something extra for their money. Metal tins can also be printed and can be formed into the desired shape, either a simple round tin, a DVD case sized tin or a shape of your choice relating to the contents of the CD. Again, this is an expensive packaging type as a mould needs to be made before hand to produce the tins and the material itself is more expensive than card or plastic.


Consider the intended end use for your short run CD printing project before selecting a packaging type and do your research on-line to work out costs. Speak to suppliers for quotes and weigh up the cost of your time and effort if you’re intending produce the packaging in-house, compared with an outside supplier cost.

Basic Requirements To Set Up a Cyprus Investment Firm

Cypriot investment firms (CIFs) provide investment services on a professional basis inside or outside Cyprus. A CIF cannot offer professional investment services without being licenced by Cyprus Securities and Exchange Commission (CySEC). Generally, CySEC authorises and supervises investment firms and activities in Cyprus based on the provisions of Law 144 (I)/2007. In order to obtain authorisation, the investment firm needs to provide all the necessary information to CySEC and comply with the provisions of Law 144 (I)/2007 regarding capital requirement, the establishment of branches, directors and shareholders, a.o.

A CIF authorised by CySEC is allowed to provide investment services in all EU member states either directly or by establishing a branch as the authorisation is valid in all EU member states. The authorisation outlines the services and activities the CIF is allowed to provide. It should be clarified that no authorisation will be provided merely for the provision of ancillary services. Furthermore, a CIF cannot offer any services or undertake any activities beyond its authorisation. Among the primary obligations of CySEC is to maintain and updated all CIF authorisations in a register that is accessible to the public.

Capital Requirements:

In order to obtain an authorisation a CIF need to have a minimum level of capital requirements as outlined below:

CASE ONE: (Initial Capital 200.000 Euro)

The CIF keeps clients’ money and/or clients’ financial instruments and provides:

Receipt and transmission of orders concerning financial instruments.
Execution of orders on behalf of clients.
Portfolio management.
Provision of investment advice.

CASE TWO: (Initial Capital 80.000 Euro or 40.000 Euro plus professional indemnity insurance covering all member states for at least 1.000.000 Euro per claim, and 1.500.000 Euro in total annually)

The CIF does not keep clients’ money and/or clients’ financial instruments and may therefore not place itself in debt with its clients. The CIF provides one or more of the following investment services and/or performs the following investment activities:

Receipt and transmission of orders concerning financial instruments.
Provision of investment advice.

CASE THREE: If the CIF offers insurance services as well, then the initial capital is half of the above. If CIF is covered by professional indemnity insurance covering all member states, then the initial capital requirement is 20.000 Euro).


If the investment firm offers the following services:

Guaranteeing financial instruments and/or placing of financial instruments on a firm commitment basis.
Placing of financial instruments without a firm commitment basis.
Operation of multilateral trading facility.

Then the initial capital must be 1.000.000 Euro.

Directors and Shareholders

The directors of a CIF must be individuals of good reputation and sufficiently experienced so that to guarantee the accurate and prudent management of the CIF. CySEC may refuse to authorise a CIF in one of the following cases:

If CySEC considers, that the directors are not of sufficiently good reputation or experience.
If CySEC considers, that the directors may pose a threat to CIF’s accurate and prudent management.

Note that at least two members of the management of a CIF must be classed as directors.

Before the authorisation of CIF, CySEC must be informed of the identity and the amount of each of the (in)direct shareholders with a qualifying holding, regardless if they are natural or legal persons. If the shareholders are legal persons, then the identity of their managers and the names of ultimate physical shareholders need to be provided. CySEC may reject the application if it considers one or more qualifying shareholders unsuitable.

Memorandum of Association:

The Memorandum of Association of a CIF must state that the firm operates as an investment firm following the provisions of Law 144 (I)/ 2007. Furthermore, the Memorandum of Association must state that the company offers or performs investment and ancillary services within the scope of its licence.

Organisational Requirements:

Following the provisions of Law 144 (I)/2007 a CIF is obliged to:

Establish adequate policies and procedures to comply with its legal obligations, and the appropriate regulations governing personal transactions, of its managers, employees, tied agents and other relevant persons.
Maintain and operate effective organisational and administrative arrangements to avoid conflicts of interest that influence clients’ interests.
Ensure continuity and regularity in the performance of services and activities, by establishing proper and proportional systems, resources and procedures.
Ensure avoidance of undue additional operational risk when outsourcing functions to other parties.
Ensure that governance arrangement is in place, including clearly organised structures with transparent and consistent lines of responsibility.
Have adequate administration and accounting procedures, internal control processes, risk assessment procedures and effective control mechanisms.
Maintain records of all services and transactions based on Cyprus and EU legal requirements.
Implement proper client identification procedures in line with the Prevention and Suppression of Money Laundering Activities Law and relevant European directives.
Make adequate arrangements to ensure clients’ ownership rights when holding cash or financial instruments belonging to customers, particularly in case of insolvency of the CIF, and prevent the use of these customers’ funds and investments for its own account.


A CIF may establish a branch in the Republic of Cyprus and offer its services given that the services it provides are covered by its licence. Moreover, a CIF may provide investment and ancillary services in another country as long as it is covered by its authorisation. Note that ancillary services can be provided only in combination with investment services. In order to establish a branch in Cyprus, a CIF should inform CySEC through a written notification. CySEC will decide to authorise or not the establishment of the branch within three months after the receipt of the written notification.

In addition, an investment firm authorised and supervised by the competent authorities of another country may offer its services in Cyprus by establishing a branch. Specifically, if an investment firm from another country wishes to launch a branch in Cyprus, then the equivalent foreign regulator should send the following information to CySEC: address, the person who is responsible for management, organisational structure and description of investment firm’s operations. Nevertheless, CySEC may require additional information from the foreign regulator. CySEC will authorise a foreign investment firm to launch a branch in Cyprus as long as it complies with the relevant regulations. Note that the branch of a foreign investment firm is subject to the same regulations as a branch of a CIF.

Chinese Whispers

I had instructed our receptionist that I was not to be disturbed just before I went to my favourite chaise lounge in my office. That was my sanctuary, where I have been repeatedly baptised from all the stress from work. It had the perfect view and as I looked out of my office window at the Abuja landscape, I was once again grateful that I had this scenic picture of distant rocky hills embraced by Dongoyaro trees to always give me clarity.

It was my favourite time of year too, when the harmattan season kissed this elegant but temperamental city of mine with cool but dusty winds and veiled her with a beige coloured robe from the Sahara desert.

As I felt the cramps in my stomach, I knew that my challenges at work were once again affecting my health, a part of my life I had been struggling to balance with no success.

The problem was the introduction of a new HR appraisal scheme in the third quarter of 2015. This was done to strengthen our work culture.

Our organisation had just won a big facilities management contract and had also commenced a five-year strategic plan for intercontinental partnership. Our portfolio had to be air tight to bring substance to any partnership and negotiation table.

We had also studied the present economic climate in Nigeria and knew that 2016 was going to be challenging, especially as a new government had taken over the state of affairs and was faced with the threat of a recession due to the global decline of oil prices. We were trying to be proactive and planned to align ourselves economically to prepare for any unforeseen eventualities by taking steps to radicalise our entire HR platform.

With strict policies in place to seal any loose ends regarding work suffering as a result of sloppiness from staff members, we tied hard work as a means to earn a thirteenth month salary, a technical bonus, which was previously an entitlement.

I thought all seemed to be going quite well until the end of the year when bonuses, drawn from appraisal evaluation, were to be paid, but an uproar ensued. Our employees were livid and this was beginning to affect their work output.

Totally confused and exhausted, our Managing Director and I decided to go Sherlock Holmes on this surprise outrage. A lot of mental work (not to talk of long nights at the office) had gone into putting this platform together. We had taken a generic appraisal method and tailored it specifically to suit each member of staff based on our organisational culture, taking into account level of education, work experience, language barriers, skills gaps and even ensured sensitivity to individual religion.

Our HR consultants had explained all in detail to our in-house HR rep, who in turn was to pass on the policy to the rest of our thirty-seven team members and monitor.

We were confident that we didn’t leave any stone unturned and she constantly reported back that all was working out smoothly, so what could have been the problem? Whatever the problem was, needed to be sorted out quickly to restore the moral of the organisation.

So our MD and I started our investigation by calling individual meetings with each and every member of staff, asking specific questions on what their personal grievance was. From the answers we gathered, we realised that our HR rep was probably overwhelmed with the technicalities of this new programme, but was too embarrassed to speak up.

She had gone ahead to explain her own version of what she understood of the appraisals, which got more complicated each time a member of the team came back to her for further clarification. They in turn went on to tell their own adulterated version to their colleagues until a perfect storm was brewed.

Thankfully, in the end, all was sorted out. We explained to them what the HR programme was about. This was followed by a truck-load of questions, coupled with an intense group training carried out by our HR consultants.

But because of this experience, we decided to do an exercise on “Chinese whispers” at the training to put into practice the impact of miscommunication.

What started out as “I can’t wait till this training is over, my legs are killing me and I’m hungry” came back as “That you should go to the security post!”

Nothing gave our situation more illumination than that exercise. There were gasps of disbelieve coated with amusement that filled the room.

Even though I was extremely relieved the entire confusion was finally over, the exasperating episode only reiterated my strong opinion that information without proper verification and left to it’s own devices can birth an uncontrollable monster.