Self Storage in Missouri and Illinois #do #i #need #climate #controlled #storage

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Interesting piece on implantation cramps! Xx #how #long #do #ovulation #cramps #last

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Interesting piece on implantation cramps. Xx

Thought this thread on implantation was interesting!
Can you have implantation cramps one day after sex during ovulation?

-Some women do experience cramps during ovulation. This is most likely what you experienced.

Will implantation cramping make you feel like an oncomming period?

Can implantation cramps occur for three days and then stop you had cramps on your left side and lower back from 5 dpo to 7 dpo Now at 8 dpo and you still have slight cramping but no where near before?

-Implantation pain usually starts 5 to 7 days past ovulation until your expected period. The bleeding, if you have any due to implantation, will usually appear in the same week your period is due.

Implantation pain can take place in the back, uterus/cervix area and areas around it. This pain should be uncomfortable, which makes it noticeable, but should not cause you to pass out or keel over due to pain. It will feel like pulling, stretching and resemble your menstruation cramps.

Although most women still experience pulling and stretching pain throughout their entire pregnancy, implantation pain is recorded to be off and on throughout your first two weeks of pregnancy.

Just like each pregnancy, each female is different.

-How long does implantion cramping last?

At least 1 week.

-Can you experience implantation cramps at 10 dpo?

Yes, implantaion can take anywhere between 7-12 DPO.

-How long does or can implantation cramping last with no bleeding?

Implantation cramping is different in every woman. It can last a few hours to about a week, but still even after the egg has implanted, you can still experience cramping, such as, throughout your whole pregnancy, due to the uterus growing and changing.

If you are concerned, check with your doctor.

-How early after unprotected intercourse would you feel implantation cramps?

It’s different for everyone, but roughly 10 days after

-How long should implantation cramping last?

Well, it all depends on the person. Some people say only a few hours to a day. Others may say it’s impossible for it to last longer than that, but speaking from personal experience that is bogus – mine lasted almost one week! Mine weren’t painful. They just felt like I was about to get my period (heaviness, bloated, etc. ) Some women claim that they are a bit painful. And then again, a lot of women NEVER even have implantation cramps. And sometimes with implantation (cramps or no cramps) you get implantation bleeding, which should be much lighter than your period and only last a few days. I never got this type fo bleeding, but many women do so don’t worry if it happens.

-Brown discharge and cramping Is this implantation cramping?

it deffinatly sounds like it, however, I had a period that started off that way. If you have missed a pill that could be the reason why

-Does implantation bleeding occur at the same time at implantation cramping?

Actually, it can. But to be really sure, consult with your gynocologist.

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RESTAURANTS – Restaurants in San Juan, Puerto Rico s Exclusive Condado District #puerto #rico, #to #puerto #rico, #where #is #puerto #rico, #about #puerto #rico, #puertorico, #what #to #do #in #puerto #rico, #san #juan #puerto #rico, #hotel #puerto #rico, #san #juan, #in #puerto #rico, #where #is #san #juan, #all #inclusive #resorts, #all #inclusive #vacations, #puerto #rico #to #do, #hotel #de #san #juan, #hotel #in #san #juan, #hotels #en #puerto #rico, #hotels #in #puerto #rico, #san #juan #island, #puerto #rico #san #juan, #condado, #sanjuan #puerto #rico, #san #juan #hotels, #vacation #to #puerto #rico, #condado #san #juan

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\r\n\t\t \r\n\t Aqua Bar & Grill \t \r\n\t\r\n\t\r\n\t\r\n\t\r\n\t\r\n “>,<"title":"Bajuice Juice Bar","lat":"18.460966","lng":"-66.083291","icon":"red-dot","popup":"

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\r\n\t\t \r\n\t Blonda \t \r\n\t\r\n\t\r\n\t\r\n\t\r\n\t\r\n “>,<"title":"Caf\u00e9 Caribe","lat":"18.4608472","lng":"-66.08092349999998","icon":"red-dot","popup":"

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\r\n\t\t \r\n\t Caf\u00e9 Pierre \t \r\n\t\r\n\t\r\n\t\r\n\t\r\n\t\r\n “>,<"title":"Chili\u0027s","lat":"18.4550543","lng":"-66.06546789999999","icon":"red-dot","popup":"

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\r\n\t\t \r\n\t Chili\u0027s \t \r\n\t\r\n\t\r\n\t\r\n\t\r\n\t\r\n “>,<"title":"Coffee Merchant & Bake Shop","lat":"18.4560851","lng":"-66.0704198","icon":"red-dot","popup":"

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\r\n\t\t \r\n\t Coffee Merchant & Bake Shop \t \r\n\t\r\n\t\r\n\t\r\n\t\r\n\t\r\n “>,<"title":"Condal Tapas Restaurant","lat":"18.4567909","lng":"-66.07457349999999","icon":"red-dot","popup":"

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\r\n\t\t \r\n\t Condal Tapas Restaurant \t \r\n\t\r\n\t\r\n\t\r\n\t\r\n\t\r\n “>,<"title":"Crepe Maker","lat":"18.4555438","lng":"-66.07020640000002","icon":"red-dot","popup":"

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\r\n\t\t \r\n\t Crepe Maker \t \r\n\t\r\n\t\r\n\t\r\n\t\r\n\t\r\n “>,<"title":"Di Parma Trattoria","lat":"18.4567003","lng":"-66.0736117","icon":"red-dot","popup":"

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\r\n\t\t \r\n\t Di Parma Trattoria \t \r\n\t\r\n\t\r\n\t\r\n\t\r\n\t\r\n “>,<"title":"Eight Noodle Bar","lat":"18.4608472","lng":"-66.08092349999998","icon":"red-dot","popup":"

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\r\n\t\t \r\n\t Eight Noodle Bar \t \r\n\t\r\n\t\r\n\t\r\n\t\r\n\t\r\n “>,<"title":"El Mercado de Paseo Caribe","lat":"18.46212","lng":"-66.08723499999996","icon":"red-dot","popup":"

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\r\n\t\t \r\n\t El Mercado de Paseo Caribe \t \r\n\t\r\n\t\r\n\t\r\n\t\r\n\t\r\n “>,<"title":"Fogo de Ch\u00e3o Churrascaria","lat":"18.4622562","lng":"-66.08724560000002","icon":"red-dot","popup":"

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\r\n\t\t \r\n\t Fogo de Ch\u00e3o Churrascaria \t \r\n\t\r\n\t\r\n\t\r\n\t\r\n\t\r\n “>,<"title":"Freshmart Deli ","lat":"18.4552655","lng":"-66.06934000000001","icon":"red-dot","popup":"

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\r\n\t\t \r\n\t Gelato & Co. \t \r\n\t\r\n\t\r\n\t\r\n\t\r\n\t\r\n “>,<"title":"Kasalta ","lat":"18.4522357","lng":"-66.0544875","icon":"red-dot","popup":"

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Pastry Chef Job Description – How to Become a Pastry Chef #how #do #you #become #a #pastry #chef

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Pastry Chef Job Description


If you enjoy making fancy cakes, breads and other treats, your income may rise like bread dough as a pastry chef. Pastry chefs are in charge of the baking aspect of kitchens and restaurants, delivering cakes, breads, and any bread based components to meals. Pastry chefs work with a team of bakers and cooks to prepare, bake and decorate their food, and must keep their team organized, stocked and motivated. Pastry chefs work with a restaurant’s head chef to pair breads and desserts, order supplies, and hire staff. Pastry chefs also create recipes or follow existing ones, using a creative flair to their craft, but all the time maintaining records, ordering food, and enforcing food safety standards.


According to the Bureau of Labor Statistics (BLS), the median income for chefs in 2010 was $19.53 per hour, or $40,630 annually.


Experience is key. Most pastry chefs start in other positions in the kitchen, from dishwasher, cook, etc. and learn the skills they need on the job to move up. Some might learn from bakers or other dessert makers and move into fine dining. Pastry chefs can also gain experience through training at a community college or trade school, with 2- and 4-year degrees are available. Pastry chefs looking for more advanced training can get involved in apprenticeships through culinary schools and other organizations. These typically last 2 years.


  • Creativity: Pastry chefs are often in charge of creating new and innovative breads and desserts that will bring in customers. Knowledge of ingredients and how to use them in a creative way will serve you well.
  • Leadership Skills: Pastry chefs are in charge of the pastry staff of a kitchen. Being a good leader, who can assign tasks, hire the right people, motivate workers in a high stress environment will help immensely.
  • Hand-Eye Coordination: Pastry chefs work with knives, icing bags and other precision tools and must have excellent technique when cutting and preparing food. Hand-eye coordination is needed.
  • Sense of Taste and Smell: Delicious food brings in customers. Pastry chefs are the last line of defense to make sure each piece of food is safe, prepared correctly and tasty.
  • Time Management Skills: Kitchens get busy quickly, food can get ruined easily if you cannot manage your time. Great time management will help you avoid burned or spoiled food and angry customers.
  • Business Acumen: Pastry chefs must understand the restaurant business. This means balancing expenses with profits, managing staff, minimizing waste, and more.

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Registered Nurse Salary – Job Description > Interviews – Career Options #registered #nurse #salary, #registered #nurse #job #description, #how #much #do #registered #nurses #make, #pay, #career #options, #jobs, #career, #advices, #challenges, #opportunities, #goals, #future, #guide, #information, #options, #best #paying #careers, #good #paying #careers

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Interview with a Registered Nurse

What do you do for a living?

I am a Registered Nurse.

How would you describe what you do?

I take care of patients who are recovering from a wide range of illnesses or from recent surgery.

What does your work entail?

I’m responsible for making sure that the patient’s pain is under control, that they receive their prescribed medicine on time, that their vital signs are stable, that the doctor’s orders are being followed and I act as a liaison between the doctor and the patient’s family.

What is a typical workweek like for you?

I work three, twelve-hour shifts and I’m stuck on night shift right now. The night shift is really hard. The money is good but the rest of your family is scared to call during the day because they’re scared that I’ll be sleeping. But you kind of get used to it and then eventually you get to work days. So I work 3-twelve hour shifts that usually end up being about 13 or 14 hours because you have to stay late sometimes to finish charting. It ends up almost being a 40 hour work week.

How did you get started?

I actually started by going to college and getting a psychology degree and with that degree I was only able to get a job as a receptionist.

I knew a psychology degree doesn’t really do anything unless you go for your PhD or Masters so I really wanted to help people but I didn’t feel like I was really getting that opportunity and my sister was in nursing school and loved it so I went too.

I went to a school that offered a one year accelerated Bachelor’s degree in nursing program.

It was twelve months because I had already had my Bachelor’s degree. I didn’t have to take all the other classes and so I got a second Bachelor’s.

It was a crazy year. It was probably the most difficult year of my life but it was worth it.

What do you like about what you do?

The best part is seeing patients get better and knowing that I played a small role in that. We get a lot of patients who are in a lot of pain after their surgery which can be pretty stressful trying to get their pain under control. But once they’re comfortable and smiling it does feel really good to know that I helped them out.

What do you dislike?

I wish I had a lot more time to spend with my patients. There are some busy nights where I’ll run into a room to see something and my patient wants to tell me a joke or a story about her grandkids and it absolutely breaks my heart to have to interrupt them and leave because the patient in the room down the hall is throwing up and another patient is crying in pain and another patient has to go to the bathroom. So there’s sometimes that there is so much going on that I feel like I can’t give my patients the attention that they desire and that I want to.

How do you make money or how are you compensated?

Nurses are all hourly so they’re not a salary. It’s not a salary position unless you’re in management.

How much money do you make as a registered nurse?

In Kansas City it seems like most hospitals for new graduate nurses start around $21 or $22 an hour and then every year the salary goes up by a little bit less than a $1 a year. I’ve been a nurse for 5 years and I’m making $26 an hour.

Hospital nurses tend to make more than other types of nurses. At doctor’s offices they only make like $18 or $19 an hour even if you are a registered nurse. So you definitely get more in the hospital and then hospitals usually pay night shift workers a shift differential which for me is $3 an hour so I get my base pay and then for the night hours I get $3 more an hour and I also get additional pay. If it’s a weekend you get $2 an hour extra.

How much did you make starting out in this career?

I started out at $22 an hour maybe but that was in TX.

What education or skills that are needed to be a Registered Nurse?

Most hospitals require a registered nurse degree but you can do that two ways. There’s actually a Bachelor’s degree which is called a BSN and some hospitals prefer that and pay more; other hospitals don’t distinguish between a diploma nurse, which is an RN without the Bachelor’s, and the Bachelor’s.

What is the most challenging about what you do?

The patient load and the severity of their sickness.

If I have five patients and I have one patient who demands a lot of time because they’re in a lot of pain or they’re really sick then my other four patients might not get the attention that they deserve. So I’ve learned time management skills are just absolutely critical and even then sometimes I’ll have my whole night figured out and something will come up and throw everything off. So it’s definitely a skill learning to prioritize and juggle my plans for the night I guess. That takes a long time to learn.

What is the most rewarding for you?

The patients, just getting to know the patients and their families and seeing them get better.

What advice would you offer someone that’s considering this career?

The best advice I could offer would be to contact a hospital in the area and see if there’s any way that you can shadow a nurse for a full shift because I think that a lot of people watch TV shows and see doctors doing all the work and they think that’s the way things actually are and it’s not like that. Nursing is a very, very physical job. It’s a lot of thinking and it’s a lot of work. I love it but I’ve met a lot of people who I think if they would have actually seen what it was really like before they went to school that they might have chosen something different.

I don’t want to sound discouraging by any means but I think it’s a good idea to actually shadow someone to see what it will be like.

How much time off do you get or take?

Well we technically have a 12 hour shift. It’s only three days a week so every week you get four days off and then it seems like hospitals give you a lot of paid time off because you don’t get holidays paid. With most jobs you get paid when you don’t have to work on a holiday but hospitals they’re open every day all day so you sometimes have to work holidays so we do rack up a lot of paid time off and so it just seems like occasionally I’ll be able to take a day or two off which is really nice.

What is a common misconception that people have about what you do?

That nurses just give medicine and they don’t do much else.

What are your goals or dreams for the future?

I guess to eventually to try different areas of nursing and just see what is all out there because that’s one of the best things about nursing, there are so many different areas that if you get bored with something or something isn’t the right fit you can try a different specialty, or you can go from being a floor nurse to an operating room nurse and it’s almost like a different profession. So you have a lot of options I guess. In the future I would like to try out different things and see what the best fit is for me.

What else would you like people to know about what you do?

That’s a good question. To be nice to their nurses! No, I’m kidding. It’s a very rewarding job, you learn a lot, it’s constantly evolving, that people should only go into nursing if it’s their true passion.

And that if you really do want to help people and you are interest in medicine that it is a very rewarding and exciting career.

Sandy Berenbaum, LCSW, BCD, Lyme-Literate Psychotherapist #what #can #i #do #with #an #msw

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Lyme disease can be a debilitating illness having a profound effect on interpersonal relationships and a patient s ability to function at home, in school, and in the workplace. Making matters worse, most chronic Lyme patients suffer from delayed or inaccurate diagnoses prior to finding a doctor who will treat their illness effectively. Some patients have spent months or even years trying different treatments that don’t work, since their diagnosis was, in fact, wrong. Patients often feel isolated and trapped when those around them do not understand the complexity of their illness and what they are experiencing.

As a Lyme-literate psychotherapist, I become an integral part of your treatment team as you progress toward recovery. I provide individual psychotherapy or family therapy including support, direction, and strategies for coping and healing. My ability to do that comes from my having a comprehensive understanding of tick-borne diseases and their impact on patients, who have complex medical issues, and are living in a world where their illness is often denied and validation is rare.

As a Lyme-literate psychotherapist, I have had extensive training which enables me to understand Lyme and other tick-borne diseases, their impact on the body, brain, and life of a patient. Through the therapeutic process, you can expect to gain:

  • An understanding of the nature of your illness and effective strategies to deal with it.
  • An ability to cope with symptom flares and side effects of medications, while functioning at the highest possible level.
  • An ability to advocate, if necessary, on behalf of a child with Lyme disease in their school and community.
  • Enhanced communications and problem-solving skills both within and outside of your family.
  • An ability to establish boundaries around those who lack an understanding of your illness.


Sandy Berenbaum, LCSW, BCD • P.O. Box 2256 • Middletown, CT • 06457
Phone: (203) 240-7787 • Fax: (860) 900-0001

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What Can I Do with a Communication Degree? Masters In Communication, what can you do with a degree in communications.#What #can #you #do #with #a #degree #in #communications

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Masters In Communication

A communication degree is one of the most flexible undergraduate or graduate degrees you can acquire in today’s professional market. Communication degrees vary widely in their area of focus. Generally, a communication degree teaches students how to use important tools to communicate through written word and voice, including grammar, style, and composition, but the increasing prevalence of video has become a much more lucrative avenue as well.

What can you do with a degree in communications

Programs may instruct you how to prepare press releases, write copy for Web sites, administrate social media, or how to communicate through corporate correspondences. Depending on the type of communication degree you get, you may be taught how to prepare visual or multimedia messages and how to present material in front of a camera or microphone. These programs may also include instruction in video or sound editing programs or web software.

Communication research is yet another area that communication degrees cover. Through research you will learn theoretical aspects of modern communication. This includes how people communicate the way they do, and what comprises cultural communication channels. Communication research is a very integral part to the overall field, simply due to the fact that communication is a field that is rapidly evolving. With contemporary implementations of communication, such as Facebook or Twitter, communications research majors often sift through large amounts of data to gain a better understanding of the intricacies of the communication process.

As you can see, the areas of focus that communication degrees cover are large and encompassing, and the concentration you choose within your degree will depend on what you want to do within the communication industry.

Communication Career Prospects

The Bureau of Labor Statistics offers a complete profile on media and communication works. Some possible communication career choices include, but are not limited to:

  • Advertising
  • Business manager
  • College or university professor
  • Communication consultant
  • Communication researcher or statistician
  • Community relations director
  • Customer service representative
  • Developmental officer
  • Fund raiser
  • Human resources manager
  • Journalist
  • Political analyst or campaign director
  • Public affairs director
  • Public relations officer
  • Public speaker
  • Marketing communication researcher
  • Media critic
  • Radio producer, host, or director
  • Reporter
  • Speech writer
  • Sports publicist or announcer
  • Telecommunication specialist or director
  • Theater
  • Training specialist

As you can see there are a plethora of job options available to a communication graduate. The best way to determine what career path is the right fit for you is to understand what interests you the most. You should ask yourself:

  • What inspires and motivates me the most?
  • What are my natural strengths and abilities?
  • How do I see myself working with others versus working alone? What kind of people do I want to work for? What kind of company or organization do I want to work for?
  • What specific goals do I want to achieve through my career?

Then you should research your top career options.

Communication degrees also open a wealth of options for graduate school, but this will include more specialized subject matter, with Masters degrees available in areas such as organizational leadership and communication, integrated marketing, and others. Many universities offer programs that allow students to complete a bachelors and masters in a five-year program, so researching this can save you time and money, as well as enter the job market with a distinct edge over the competition. Many of the five-year programs allow students to begin graduate coursework in their fourth year, which enables them to complete all the required classes by the end of the fifth year. Some students though do prefer to use a successful undergraduate academic record as leverage to get into a more selective graduate program and choose to opt out of a five-year program. If you believe your grades will allow you to move to an institution with higher recognition in communications, this is an option that should be taken seriously. Otherwise, the amount of time and money invested in a particular communications program will likely make taking a five-year program the more logical decision.

After asking what you can do with a communication degree, it s still important to ask what it can do for you. With all the options for different college majors and a variety of careers each one opens, make sure a communication degree is in line with the course you want to take with your life.

Guide to Online Communication Master Programs

What can you do with a degree in communications

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How To Lose Inner Thigh Fat For Good – The Ultimate Guide #how #do #i #lose #thigh #fat

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7 Ways to Lose Inner Thigh Fat for Good

Summer is right around the corner and you know what that means – swimsuit season.

​If you’re working to lose that last bit of weight. specifically around the thigh area that you can never seem to get rid of, check out these 7 best exercises for thighs that will have you toned and shapely, and help you lose the weight there for good. Yes, it is possible to actually be happy with the way your legs look!

​If you combine the following workouts and do them three times a week, you will see definite results. Keep that in mind once you are feeling the burn!

How To Lose Inner Thigh Fat

1. Pilates Inner Thigh Leg Lifts

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Pilates is a killer workout for your core, and your inner thighs are a key stabilizing muscle in many of the movements. You may actually feel your inner thigh muscles working harder than your abdominals. This little burner is easy to do and is one of the best exercises to slim thighs.

To do it:​
Lay on your side, stretching our your bottom leg so that it’s straight and cross your top leg over it resting either your knee or foot on the floor. Rest your hand on your arm, or prop your head up with your hand.

Inhale, and then as you exhale lift your bottom leg up keeping it straight and holding you core tight. Inhale as you lower back down.

Repeat for 10-15 reps, and then switch sides.

2. Froggy Squat

This fun movement is a calorie burner as well, so be prepared to rev your heart rate and target every muscle in your lower body at the same time!

To do it:
Stand up straight with your feet wider than hip distance apart. Keeping your tummy tight, bend your knees and push your gluts back, pressing your knees out and reaching your hands to the floor.

Lower as far as possible while keeping your upper body lifted.

In one fast movement straighten your legs and hips, exploding off your feet and jump into the air bringing your feet together and hands overhead.

Land with your feet back wide, and immediately drop into a squat.

Repeat 10 to 15 times, and then take a break and catch your breath –you earned it!

3. Side Lunge

​Lunges are a great thigh exercise, but the side lunge adds a little extra fuel to really target your inner thigh muscles.

To do it:
Begin with your feet together. Grab a pair of dumbbells if you want an extra challenge. ​

Step your right foot out wide, and bend your right knee lunging towards the floor. Work to keep your left leg as straight as possible, your upper body lifted, and your right knee bent and tracking over your toes.

Press off with your right foot and bring your feet back together. Repeat the movement on the left side to complete the rep. Do 10 reps on each side.

4. Plie Squat​

​When people ask how to lose thigh fat for women, it makes sense to look at ladies with some the most enviable legs out there, like ballerinas. Plie squats are what give dancers their long lean look, and they are easy to incorporate into your fitness routine.

Start with your feet wide, toes turned out to 45 degrees, and your chest lifted high. You can use a weight like the model in the picture for a harder workout.

Bend your knees, engaging your gluts, core, and inner thighs, keeping them pressed back and over your baby toes as you lower down to 90 degrees.

Press through your heels and straighten your legs to complete the rep. Do 10 to 15 reps.

5. Stability Ball Squeeze

The stability ball is one versatile piece of exercise equipment, and it can work wonders on shaping your inner thighs. You can use any size of ball but in general, the bigger the better.

To do it:
Lay flat on your back. Bend your knees and place your feet flat on the floor. Insert a fully inflated stability ball between your knees.

Place your hands by your sides and tighten your core. Then, squeeze your knees in towards each other, thinking about trying to squish the stability ball. This will be a small movement, and that’s what you’re aiming for here.

Squeeze as hard as you are able and then relax, still keeping pressure on the ball. Repeat 20 to 25 times to complete the set.

6. Bridge

The bridge, a yoga pose with many benefits, uses your inner thighs to stabilize during this intense hold.

To do it:
Lay flat on your back with your knees bent and feet flat on the floor, arms by your side.

Inhale, on the exhale, push your hips up towards the ceiling lifting your hips off the floor and trying to create a straight line from your shoulders to your knees. Work to keep your thighs parallel to one another by engaging your inner thighs. Don’t let your knees come in, or release out to the side.

Hold for 30 seconds to 1 minute, making sure to breathe through the hold. Let go and repeat 2 to 3 times.​

7. Most Importantly: Get in Your Cardio

One of the most important keys to lose weight in thighs is to really rev up your calorie burn with some sweat-spilling, heart-pumping cardio. Cardiovascular exercises burn tons of calories, and it helps your body to metabolize your fat stores, revealing that lean, toned muscle underneath.

Even better, there’s no need to spend hours a day at the gym. Choose activities that burn the most calories like running, jumping rope, stair climbing or biking to get the maximum burn for the least time investment.

Try mixing it up with high intensity intervals where you go hard for a minute and recover for another minute for a total of 20-30 minutes three times a week and you’ll be seeing your shapely muscles in no time.​

Get Your Free Copy of The 7, 8, 9 Weight Loss Guide


Thank you for reading my article! I am Holly Nunan, a mother of three daughters aged four, six and eight. I’m an Exercise Physiologist with a passion for exercise, fitness, raising healthy children and natural and alternative remedies. I have a simple mission to help each reader that comes to our website to take away one new piece of healthy information that they can immediately apply to their life. If I’ve helped you find that today, it’s mission accomplished!

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Using Credit Card Abroad – Currency Credit Card #how #do #you #accept #credit #card #payments #for #small #business, #travelling #abroad #is #easy #with #post #office #money #currency #credit #cards. #the #platinum #card #allows #to #pay #with #a #credit #card #overseas #with #no #extra #fees.

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Using your card abroad

When you’ve helped travellers for as long as we have, you know that Credit Cards can be a lifesaver when you’re abroad. With our Credit Cards, there are plenty of reasons to start and end your holiday with a smile.

Your Post Office Money® Credit Card could make your holiday more memorable.

We have a rich history of being the first port of call for people who like to travel abroad.

With that experience we ve created three Credit Cards with the unique feature of no charges for Post Office travel money.

From currency, insurance and passports we like to make your trips as easy as possible and your Credit Card should be working as hard as we do to make your holiday a success.

Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.

Why use our Credit Card abroad?

Security is the big advantage. Many people don t like carrying too much cash with them for obvious reasons. Our Credit Cards are also accepted in 35 million locations worldwide, so you won t need to fill your wallet with more cash than you need.

Keep track of your spending

Running out of money (or going over your credit limit) can be a nightmare, especially in a foreign country. To help you keep track of what you re spending in British pounds you can view your account through online servicing or we have created a special Credit Card Mobile Servicing App. Please check for international data charges with your mobile phone provider before you travel.

Using your card abroad

As you prepare to set off on holiday, make sure you re up to speed with these essential steps for using your card:

  • Notify us of your travel plans via our Credit Card Mobile Servicing App or via online servicing.
  • Know your PIN. With so many PINs and passwords to remember, it s easy to get mixed up. Make sure you know your Credit Card PIN before you go away. If you ve forgotten it you can view your PIN by logging into your online account or call our Customer Services team on 0345 607 6500 and we ll send you a reminder.
  • Don t miss a payment while you re away. The easiest way to make sure you always pay your bill on time is by setting up a Direct Debit. Log in to your online account or our Credit Card Mobile Servicing App to set this up, or just give our Credit Card Customer Service Team a call.
  • Find out about Dynamic Currency conversion. Sometimes, retailers and ATMs will give you the option to pay in either the local currency or pounds sterling. It should always be performed with your consent. Choosing to pay in pounds could mean you are charged additional fees.
  • Find out what charges are applicable for using your credit or debit cards abroad. Some providers may charge you a non -sterling transaction fee, which is a fee charged to any purchase or cash advance that occurs in a currency other than sterling.

Your local travel experts

Post Office is here to make your travels easier. We look after all the essentials like passports. insurance and money so that you can concentrate on getting the most out of your time away. Our travel experts can help you with:

Passports Whether you re renewing or getting your first passport you can pick up a passport form from one of our branches. Top tip: use our Check Send service to make sure you ve filled in all the forms correctly first time.

Travel money Order your travel money using your Post Office Money Credit Card with no cash fees, either online or in our branches.

EHIC card If you re travelling in Europe, this free European Health Insurance Card (EHIC) means that you receive state healthcare in EEA countries (and Switzerland) at a reduced cost (or sometimes free). You can apply for your card via the online EHIC application form .

No fee travel money

Want to buy something in another currency without being charged extra fees? Our Platinum Credit Card comes with no fees for purchases made in foreign currencies whether you re abroad or simply shopping online. 18.9% APR Representative (variable).

Our most suitable card for overseas purchases:

Information correct as at 05/06/2017

The table above is an illustrative example based on an exchange rate of 1.141625 and a 100 spend.

The exchange rate used is a sample rate provided by MasterCard. The actual rate applied will be the daily MasterCard exchange rate. This is the exchange rate set by MasterCard, from time to time, as shown, where applicable, on your statement.

The rate that appears on your statement will be calculated according to the prevailing rate at the time the transaction is made.

Overseas purchases

We don t charge a non-sterling transaction fee to customers using our Platinum Card overseas, and we charge 2.99% for customers using our Matched and Balance Transfer Cards.

Cash fees
If you use your Post Office Money Credit Card to take money out at an ATM overseas, you will be charged a cash fee of 2.5% and a higher interest rate of 27.9%. The ATM provider may apply additional fees and cash withdrawal limits.

Call Charges

0800: Calls to 0800 numbers are normally free from UK landlines and mobile phones. Calls may be monitored or recorded for training and compliance purposes.

0345: Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages. Calls may be monitored or recorded for training and compliance purposes.

Small print

Credit is subject to status to UK residents aged 18 years or over.

Post Office Money credit cards, personal loans and overdrafts are provided exclusively by Bank of Ireland (UK) plc. Post Office Limited is a credit broker and not a lender. Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Post Office Limited is registered in England and Wales. Registered Number. 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited. Our FCA Register Number is 409080. You can confirm our registration on the FCA s website ( ) or by contacting the FCA on 0800 111 6768.

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Quota system to close gender gap on Hong Kong corporate boards may do more harm than good #business,companies,quota #system #to #close #gender #gap #on #hong #kong #corporate #boards #may #do #more #harm #than #good

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Quota system to close gender gap on Hong Kong corporate boards may do more harm than good

Three years after Hong Kong Exchanges and Clearing (HKEx) adopted a rule change to promote gender diversity on corporate boards, there has been limited progress with women accounting for little more than one in every 10 of the top positions.

About 11.3 per cent of the directors of Hang Seng Index constituent companies were female, up from 9.6 per cent last year, according to a recent survey by non-profit organisation Community Business. But the rise was propelled by only a handful of companies , and nearly three quarters of firms have made little progress in tackling the gender imbalance issue since 2009, the organisation noted.

A concerted and multi-pronged effort by different sectors in Hong Kong in recent years has not brought about a faster pace of change, even with momentum globally on this issue, the report said.

A separate study by Community Business found that women make up 45.7 per cent of middle level staff in Hong Kong, but occupy fewer than one third of senior management roles.

The biggest challenge is getting chairmen to think about the benefits of having women on boards, said Nick Marsh, managing director with executive search firm Harvey Nash, Asia Pacific. While women s representation in Hong Kong boardrooms continues to lag behind that of the US and most European countries, some of the city s Asian neighbours such have been taking steps to catch up.

Women make up 45.7 per cent of middle level staff in Hong Kong, but occupy fewer than one third of senior management roles

India s stock exchange last year imposed a quota of one female director on the board of every listed firm, which has helped Indian companies overtake their Hong Kong counterparts in the number of women taking board seats for the first time in history. That has raised a question whether HKEx should follow India s lead and implement a similar quota system.

Ga lle Olivier, the Hong Kong-based chief executive officer, general insurance with AXA Asia, said she was against the idea of gender quotas to boost the share of women executives.

It does more harm than good for a company to promote women only because it needs to meet corporate governance rules. The key issue lies in shifting people s mindsets and building up a pipeline of women leaders to help them go further up to the corporate ladder, Olivier said.

Norway and Sweden, which were among the first in the world to introduce quotas, have ratios of women directors above 28 per cent, placing the two nations at the top of the global rankings of boardroom gender diversity.

But in Norway, introducing quotas resulted in a closed circle of women holding directorship positions in the country, which may not be an ideal situation, Marsh said. Also, women themselves will not be happy if they know they are offered a particular position only because their employers have to accomplish their legal mandate.

Meanwhile, Hong Kong s stock exchange regulators are not likely to push for a stronger legislative action to shape a gender balanced board in listed companies, at least for the time being.

I know they are supportive, but clearly, they do not want to go into a law that talks about quotas, Marsh said.

A better approach for the HKEx is to put in place transparency rules that require companies to report on the composition of both their senior management and board.

This will help expose appointments of senior management to public and media scrutiny, as well as make it easier for headhunters to find qualified women candidates, March said.

As a result of the opaque system, local executive search firms frequently look overseas when seeking to find qualified women to fill local corporate board positions. Currently, there is a more visible pool of talent in the United States, said Marsh, whose firm has recruited Chinese-speaking women from abroad to fill spots in Hong Kong companies.

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