Free Wallpaper photos of Devon, Southwest UK #free #games #downloads

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These photos are for personal desktop wallpapers only. It is a violation of copyright law to redistribute, sell these images or to use in any other way other than a personal desktop wallpapers unless authorised to do so.

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Photos of Torbay, Dartmouth
Berry Pomeroy. All top UK holiday destinations.

Torbay is located in the South West UK and is a very popular place for tourism.

The population of Torbay doubles during the summer months thanks to all the holiday makers visiting the area.

Torbay is made up of 3 towns; Torquay, Paignton and Brixham.

Torbay is one of the few places in the UK where palm trees can grow thanks to Torbay having a warmer climate and no frosts in the winter.


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Human Relations (BA) #ba #human #resources #online

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Concordia University

Human Relations (BA)

Why study Human Relations?

Train the leaders of the future. Help people fulfill their potential. When you study human relations, your passion for people shapes you into an agent for social change. Expertise in human relationships in the community and the workplace sets you on a path towards the helping professions. Whether you want to build strong teams in the corporate world or get organized at a grassroots level, our Human Relations program gives you the tools to become a next-generation leader.

In a curriculum that straddles the classroom and the outside community, you will hone your leadership and teamwork skills. You’ll also:

  • Study the dynamics of people in groups and one-on-one interactions
  • Practise techniques of intervention and facilitation that resolve conflicts
  • Learn to coordinate and execute special events and programs for the community-at-large
  • Perform in-the-field research

Concordia’s hands-on approach provides a solid foundation for future graduate studies in such fields as human resource development and training, organization or community development, social work, and public or business administration. Students graduate with transferable skills that bring about empowerment, self-management and effective teamwork in a rapidly changing workplace.

Program Details

A Bachelor of Arts degree takes a minimum of three or four years (90 – 120 credits) of full-time study, depending on your academic background .

  • Specialization in Human Relations (60 credits)

The Specialization is intended to develop a high level of skill and knowledge in small group leadership and its applications in practical settings. The Specialization includes a research component and an internship in the final year, culminating and focusing on the student’s emphasis of study.

  • Major in Human Relations (42 credits)

    The Major is intended to develop human relations skills and a good grounding in small group leadership. The Major includes a fieldwork component in the final year, which gives the students an opportunity to apply the skills, and knowledge derived from the classroom. The Major gives the students the flexibility to take a variety of elective courses in other areas in addition to Applied Human Sciences, or for those with specific needs or interests, to select a double Major or Minor in another department to fulfill their degree requirements.

  • Minor in Human Relations (30 credits)

    This program gives the student an opportunity to obtain knowledge and practice in group dynamics, group leadership, interpersonal relations and communications, design skills and simulated class practice in facilitation. The Minor is designed to provide a basic understanding of group and/or teamwork which is an increasingly important aspect in today’s work environment.

  • Cegep Students

    No specific courses are required beyond the DEC

    Additional Requirements

    All applicants to the Specialization, Major and Minor in Human Relations programs are required to submit a Letter of Intent with their Concordia University admission application. This is your opportunity as a prospective student to express, in writing, why you wish to enter the Department of Applied Human Sciences. The letter should include:

    • A statement of both your long-term and short-term goals.
    • Your reasons for choosing Applied Human Sciences.
    • Your strengths and weaknesses as a candidate.
    • The experiences you have had that led you to apply (including work and volunteer experience).

    Special note: CEGEP graduates of Techniques de Loisirs (Dawson College), Special Care Counselling (Vanier College, Lasalle College), Social Services (Dawson College) and Correctional Technology (John Abbott College) may have credits applied to their degrees based on their course of study at CEGEP. Applicants will be informed of any credits awarded in their Offer of Admission.

    Minimum Cut-off Averages

    Minimum cut-off averages should be used as indicators. The cut-off data may change depending on the applicant pool. Applicants who meet the stated minimum requirements are not guaranteed admission to these programs.

    • Quebec Cegep (CRC): 22.000
    • Canadian High Schools: 74%
    • U.S. High Schools: 2.7
    • University Transfers: B-
    • International Bacc. (IB): 28
    • Bacc. Français: 12/20

    We consider complete applications year round and we give priority to applicants who apply by official deadlines. Late applications will be considered if places are still available for the fall term only .

    Fall term deadline:

    All applicants, including
    international students

    March 1
    Most undergraduate programs
    are still accepting applications.
    See what’s available .

    Winter term deadline:


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    Mesothelioma Symptoms #mesothelioma #personal #injury #lawyers, #mesothelioma #symptoms

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    Mesothelioma Symptoms

    Exposure to asbestos is the most common cause of mesothelioma. Symptoms of mesothelioma typically develop between 20 and 50 years after the patient’s initial exposure to asbestos. This type of cancer can take several decades to manifest and symptoms do not appear until after the cancer is present. Many patients downplay the severity of their condition because symptoms of mesothelioma often resemble those of a less severe ailment.

    Early Symptoms of Mesothelioma

    Mesothelioma symptoms rarely develop in the early stages. Because of this, the disease is often diagnosed in a later stage of development. To help an earlier detection, patients who have been exposed to asbestos should undergo regular chest X-rays or pulmonary (lung) function tests to monitor signs of asbestos inhalation.

    Pleural Mesothelioma Symptoms
    Pleural mesothelioma is the most common form of mesothelioma. This for of the cancer accounts for about two-thirds of all mesothelioma cases. Symptoms of pleural mesothelioma include:

    Persistent dry or raspy cough. Little or no phlegm is usually involved.
    Persistent pain in the chest or rib area, or painful breathing
    Difficulty swallowing
    Shortness of breath, even when resting
    Coughing up blood
    Fatigue
    Night sweats or fever
    Unexplained weight loss
    Lumps on the chest. They may or may not be painful

    Peritoneal Mesothelioma Symptoms

    Peritoneal mesothelioma accounts for about 25-30% of mesothelioma case. Symptoms of this form of mesothelioma include:

    Persistent dry or raspy cough. Little or no phlegm is usually involved.
    Persistent pain in the chest or rib area, or painful breathing
    Difficulty swallowing
    Shortness of breath, even when resting
    Fatigue
    Night sweats or fever
    Unexplained weight loss
    Swelling or pain in the abdomen
    Anemia (decreased red blood cell count)
    Diarrhea or constipation, general changes in bowel habits, regularity, or consistency
    Nausea or vomiting
    Lumps on the abdomen. They may or may not be painful.

    Pericardial Mesothelioma Symptoms

    Pericardial mesothelioma is a rare form of the cancer. This form makes up less than 5 percent of all cases. The symptoms of this form of mesothelioma include:

    Persistent dry or raspy cough. Little or no phlegm is usually involved.
    Persistent pain in the chest or rib area, or painful breathing
    Difficulty swallowing
    Shortness of breath, even when resting
    Coughing up blood
    Fatigue
    Night sweats or fever
    Unexplained weight loss
    Heart palpitations or irregular heartbeat


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    California reverse mortgages #california #reverse #mortgages

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    When to Use a Proprietary / Private Company Reverse Mortgage

    Update: Proprietary / Private Company mortgage loans served their purpose very well during 2006 – 2008. Due to the recent economic downturn and credit crunch as well as the newly raised HECM reverse mortgage loan limit, the Proprietary / Private Company reverse mortgages are practically obsolete. Government backed HECM loans have now completely taken their place. HECM reverse mortgages have much higher loan limits then they used to, use our loan calculator to see how much you can get.

    After researching the subject a little most people will become aware that there are both federal-backed HECM loans as well as proprietary reverse mortgage or private reverse mortgages. For many seniors. HECM reverse mortgages seem to be the obvious choice it’s invariably more affordable than the proprietary reverse mortgages being offered by private reverse mortgage companies.

    Proprietary reverse mortgage programs aren’t really that bad. HECM reverse mortgage loans are just simply more popular. Private reverse mortgage companies, of course, have their own legion of fans. The more important question to ask then is really when you should use a proprietary reverse mortgage or private reverse mortgages as opposed to HECM.

    For bigger cash payouts

    The main downside to HECM reverse programs is that the Federal Housing Authority (FHA ) has a lending limit that varies from county to county. This means that you can’t get 100% on the equity of your home. You can get jumbo reverse mortgages with private a private propriety program. Jumbo mortgages are reverse mortgages in amounts greater than what the FHA is willing to insure.

    For higher value homes

    Seniors with substantial equity on their homes or seniors with high value homes are better off approaching private companies if they want to take out a reverse mortgage loan. That’s because they can certainly get more money for their equity.

    Cutting a reverse mortgage deal with a private company can also prove to be more convenient for seniors. With these companies, you are not required to undergo counseling with a reverse mortgage counselor before you can apply for a loan.

    Having more cash for your equity can prove to be the efficient path towards financial freedom. With proprietary reverse mortgages, you receive more money than the HECM reverse mortgage programs. Of course, this promise doesn’t prevent prospective borrowers from talking to a financial consultant. The ideal reverse mortgage specialist should not only keep you company during the wait (for the reverse mortgage company to grant you the loan), he/she should be able to give you good advice on proprietary reverse mortgages. Do not expect your consultant to give you a quote from any specific company.

    Deciding when to use a proprietary program actually depends on your particular circumstance. Do you really need that much cash? Are you aware of the full terms resulting from borrowing against your home and having it paid after your death or the sale of your house? If the answer is yes, yes, and yes, still do not rush to apply. It is always good advice to get quotes from at least three private reverse mortgage companies.

    Take note that there are as many types of proprietary reverse mortgage programs as there are private reverse mortgage companies, so choose carefully.

    Federal-backed HECM loans are not necessarily better than proprietary reverse mortgage programs. At the other end neither are proprietary reverse mortgage programs better than federal-backed HECM loans. Again, the better option is the best option for your particular situation. If you have any doubts, try getting a quote from both HECM reverse mortgage lenders and private reverse mortgage lenders.


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    Insure a Dump Truck – Insurance for Dump Trucks #dump #truck #insurance #quote

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    Find The Best Insurance for Dump Trucks

    The state of the economy has taken its toll on small businesses and large corporations, alike. Purse strings have gotten much tighter in the last few years; expenses being cut here, there and everywhere. With fiscal caution on the rise, businesses are looking for shortcuts that can be taken to help preserve funds. Insurance should never be one of those shortcuts, especially if the business can be considered hazardous in any fashion.

    The key to a successful business is protection of everyone and everything that makes up that business. Companies that deal with high rates of accidents and similar emergency situations often are equipped with heavy-duty vehicles like dump trucks. Getting dump truck insurance takes consideration and research. There are things that every business needs to know about dump truck insurance before making any decisions:

    Tips to Getting Insured

    • The first thing to consider when looking at dump truck insurance are the direct benefits of being insured; knowing and understanding that dump truck insurance is not just a convenience is the first step to success. Businesses may sometimes have the mentality that dump truck insurance is just a formality, that it isn’t really needed and can be overlooked. If there is even a slight chance of hazard, accident or emergency, insurance is a friend that you want around before the incident occurs.
    • After admitting that there is a need for insurance, committing to a policy is the next logical step. Obsessing over the price is not going to do anyone any good. Do not settle when it comes to safety and protection! If you are going to invest in dump truck insurance, do it right and make sure the business will benefit from it. If there is an unexpected incident in the future, your business will be safe and you will have the satisfaction of knowing that employee and asset protection were the number one priorities.
    • Always consider the best drivers when becoming dump truck insured. Good policies will need to see proof that the business has evaluated all eligible workers and that none of them are susceptible to violence, drugs or anything that might otherwise be an impairment when operating a vehicle. Proper training for drivers will also be a requirement for getting the best dump truck insurance policy. Insurance companies are engaging in a more cautious business plan, also; without proper experience and training for drivers, insurance companies are going to be less likely to put their trust in the safety of the business.
    • Always get quotes from reputable insurance companies. Though the cost of similar policies may be lower at a less established institution, the lack of experience is not worth funding. The state of the economy has a lot to do with fluctuation of insurance companies, but the ones that have weathered many financial storms and have established themselves in the community are the ones that are worthy of your business. Companies like these can offer better policies and a level of confidence that others cannot.
    • Be aware of the coverage! There are some limitations that are set up in coverage that can be easily overlooked when signing into a policy agreement. Have a sense of awareness and make sure your business understands its rights and limitations before choosing a policy. There is often some flexibility in the coverage that an insurance agent can make you aware of, such as differences in accidents and what happens in a potentially dangerous emergency situation. In short, know what you are paying for and what you are entitled to! Again, do not settle when thinking about insurance policies! Dump truck insurance is important, can deal with lives and money and the future of a business. It is worth putting the time and effort into making the best decision!

    When trying to find dump truck insurance, get many quotes and compare coverage. Research established insurance companies and what they can offer you and your thriving business!

    Additional Reading

    Read more helpful Finance and Insurance articles.

    Truck & Trailer Financing


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    Ways To Give #car #donation #catholic #charities

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    Ways To Give

    We welcome gifts in a variety of ways. Gifts can also be an eloquent way to honor or remember a family member, friend or colleague.

    In every season throughout the year, Catholic Charities meets the needs of the poor and vulnerable throughout the Archdiocese of New York. Your gift will help us to meet the growing demand for all our areas of service. We need your help to provide help and create hope.

    If you would like to make an offline gift. you may mail your check or credit card information to:

    Catholic Charities
    Office of Development, 11th Floor
    1011 First Avenue New York, NY 10022

    Want to make a one-time gift to Catholic Charities campaigns or programs? Select from the following:

    Day in and day out Catholic Charities provides help and creates hope for thousands of New Yorkers in need. Your regular monthly support in the form of a tax-deductible recurring gift will help us meet these needs every day.

    Each month your gift will be automatically charged to your credit card. We are using secure processing that allows us to cut costs and accomplish even more with your generosity.

    Want to give to one of Catholic Charities campaigns or programs? Select from the following:

    You can now donate your car to Catholic Charities, and receive a valuable tax deduction. Catholic Charities New York benefits by receiving a cash donation to fund new and existing programs and increase community awareness through local events.

    Making a gift to Catholic Charities is a wonderful way to celebrate a milestone or honor someone important in your life. Whether it is for a birthday, graduation, anniversary, Mother’s Day or Father’s day or in honor of a relative, friend or colleague, a gift has added meaning when you are providing help and creating hope for New Yorkers in need.

    In Memory of.
    Using a charitable gift that helps those in need is a most fitting tribute to remember a loved one who passed away. In lieu of flowers, a gift in memory of a beloved relative, friend or colleague can provide a particularly meaningful way to help those in need.

    When a gift is made in tribute, a card is sent to that individual or to a family member that you might designate to inform them of your thoughtfulness. Unless requested, the gift amount will not be included. As a donor, you will be sent a separate gift acknowledgment for tax purposes.

    To make a tribute gift In Memory of or In Honor of someone special, please click here .

    For additional information, please contact:

    Catholic Charities
    Office of Institutional Development
    1011 First Avenue, 11th Floor
    New York, NY 10022

    For more than 100 years, The Catholic Charities of the Archdiocese of New York has been a valuable partner of foundations, corporations and governmental entities in serving New Yorkers in need of all religions and in fostering the common good. A New York City mayor considered Catholic Charities’ role as so essential that he said, “I do not know how I could run New York City without Catholic Charities.”

    New York Times Neediest Cases Campaign
    Catholic Charities is proud to be one of the seven social service agencies that are a partner and beneficiary of the annual New York Times Neediest Cases Campaign. Donors may make their NY Times Neediest Cases donations directly to participating agencies such as Catholic Charities. These contributions make a great impact on our ability to serve those in need because the NY Times Company Foundation covers the campaign’s administrative costs.

    United Way
    Donors may designate The Catholic Charities of the Archdiocese of New York as the recipient of the pledges and contributions they make in their workplace campaigns. These contributions are processed by United Way and then disbursed to Catholic Charities. Donors will receive credit for supporting their company’s United Way campaign and also directly help Catholic Charities.

    For additional information about partnering with Catholic Charities in providing help and creating hope for New Yorkers in need, please contact:

    Catholic Charities
    Office of Institutional Development
    1011 First Avenue, 11th Floor
    New York, NY 10022

    Planned Giving is a thoughtful and generous way to meet your personal financial objectives while helping Catholic Charities help those in need now and in the future.

    Pledges to Catholic Charities assist us in providing help and creating hope for needy New Yorkers for months and years to come. A pledge offers you the flexibility to donate over time. It also offers a way to make recurring payments in a way that best suits you including credit/debit card, checking account and appreciated stock. Monthly, quarterly or annual payment schedules are available to assist you in budgeting your donation throughout the year.

    A record of each gift will appear on your monthly bank or credit card statement. You can also increase or decrease your gift at any time by calling Catholic Charities at the number listed below.

    For additional information, please contact:

    Catholic Charities
    Office of Institutional Development
    1011 First Avenue, 11th Floor
    New York, NY 10022

    Family homes, farms, vacation houses or other property can be a resource for generating tax deductions and added income. There are several ways to put real estate to work for you and Catholic Charities.

    Life estates, donating undivided interests in real estate, transferring real estate into a charitable trust prior to sale and other strategies can provide solutions to a wide range of financial and estate planning needs.

    Even when real estate prices drop, many donors still have significant capital gains. Take advantage of tax savings while enjoying increased income over time.

    For more information please contact:

    Catholic Charities welcomes gifts, stocks and other securities. We have an easy mechanism to accept these gifts. In addition to providing help to those in need, a gift of an appreciated investment can have other valuable tax benefits related to capital gains, charitable deductions and retirement income. Such gifts provide an excellent way to minimize tax liabilities and maximize your philanthropic giving.

    For more information please contact:


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