Published 3 hours ago
Updated 58 minutes ago
A House of Commons committee is considering probing failings in Toronto-Dominion Bank’s anti-money-laundering practices as U.S. regulators and law enforcement continue a lengthy investigation into Canada’s second-largest lender.
The House finance committee will hold a meeting Friday afternoon to discuss – according to its agenda – allegations that TD failed to “report money laundering related to the trafficking of the illegal hard drug fentanyl.” This would mark Ottawa’s first public conversation on the matter. The committee members will then consider whether the issue warrants a deeper review of the gaps in the bank’s anti-money-laundering practices.
In early May, reports emerged that the probes by U.S. officials – which derailed TD’s major acquisition of Tennessee-based First Horizon Corp. last year – are tied to a US$653-million money-laundering and drug-trafficking operation.
Separately, Canada’s financial-crimes watchdog imposed its largest-ever monetary penalty on TD after a compliance examination found the lender had faulty anti-money-laundering controls.
The assessment from the Financial Transactions and Reports Analysis Centre of Canada, or FinTRAC, found that TD committed five administrative violations. These included the bank failing to submit suspicious transaction reports where there were “reasonable grounds to suspect that transactions were related to a money laundering or terrorist activity financing offence,” FinTRAC said in a news release earlier this month.
U.S. regulators and law enforcement have not disclosed the nature of the anti-money-laundering weakness they found at the bank.
TD stressed that it was “important not to confuse the administrative findings from FinTRAC with our ongoing regulatory matters in the United States,” according to an e-mail statement on Tuesday from TD spokesperson Lisa Hodgins. “As the FinTRAC findings clearly stated, the administrative violations were ‘not for criminal activity for money laundering.’”
The revelations, both from FinTRAC and from the United States, provided the first glimpse into TD’s anti-money-laundering gaps since the bank disclosed in August that it expects monetary and non-monetary penalties stemming from the U.S. probes.
Analysts have estimated that monetary penalties could be as high as US$2-billion, and they have pointed to concerns around non-financial penalties that could limit the bank’s growth prospects.
The Commons finance committee will also discuss whether it should explore other money-laundering violations across the financial sector in Canada. While the group has scheduled a conversation for Friday afternoon, a pending matter from a previous meeting could delay the matter on TD.
In January, The Globe and Mail revealed that last year, TD hired Herbert Mazariegos – formerly an employee of Bank of Montreal in Chicago – to oversee the bank’s anti-money-laundering unit.
Since then, the bank has tapped other experts with regulatory experience, including former Federal Bureau of Investigation agent Dandridge Myles; former U.S. Department of the Treasury executive Andrew Jensen; former U.S. Department of Homeland Security director Marcy Forman; and former Citigroup chief compliance officer Jackie Sanjuas, according to a source.
The Globe is not identifying the source because they were not authorized to speak publicly.
TD’s chief executive officer, Bharat Masrani, has said that TD is mending its anti-money-laundering program by hiring hundreds of employees, redesigning controls, building new processes, deploying new technology and implementing improved training. The bank has also invested more than half a billion dollars in remediating its practices.
In recent weeks, Mr. Masrani and senior executives have done a tour of internal meetings with executives to discuss the steps the bank is taking to resolve the issues.
“We did not meet our expectations or our regulatory obligations to monitor, detect, report and respond to suspicious activity. As a result, criminals broke through our defences and used the bank to launder money,” Mr. Masrani said in an internal memo viewed by The Globe.
“This is absolutely unacceptable. While our systems stopped a lot of activity, I am deeply disappointed there were serious instances where we failed to stop these criminals. It goes against our values and everything we believe.”
The U.S. probes and the cost to remediate the issues are weighing heavily on the bank.
In late April, TD said it is setting aside US$450-million to cover penalties stemming from the investigation but added the provision does not reflect the final amount of the potential monetary or non-monetary penalties.
Last year, the bank said that it expects to post an adjusted net loss of $200-million to $250-million a quarter this year in its internal corporate segment, driven by investments in its risk and control infrastructure.
source: https://www.theglobeandmail.com/business/article-house-of-commons-td-bank-probe/

There was recently a post about Flan_dad with lots of drama. I investigated this, painstakingly read the messages myself. Timeline was as follows, you can make up your own mind, but customer was also warned here and did some odd behaviors. No names are given of the customer.

1. The customer asked if his used watches could be plated
2. Flandad said no used watches, and it's EU
3. Customer insisted and accepted the risk. Watches were plated, QC sent to customer. https://imgur.com/a/xKzcVz8
4. One month after receiving with accepting feedback, he took it to a 'goldsmith' for a mass spectrometer gold test. They "were not plated and had no gold" when the test results came back, and expected a full refund, all in one message.
5. When asked for a copy of the test results, he did not furnish them (which is odd, mass spectrometers have readouts as it’s the only way to assess a result) and said it was done 'off the books'.
6. Continued to insist on a refund stating that the work was not done. Based on the videos provided, the work looks to be done.
7. Continued to insist and insult in PMs and that's when both parties got defensive and screenshots were posted on RepTime. I believe most TDs have been guilty of insults from time to time as well.
8. Note that there are other details in the interactions but are removed to isolate some of the main points that are odd to me.

My honest opinion is that shouldn't be allowed here: to make Reptime the drama board for disputes, but that's just me. Customer insisted there was no gold due to a test from an 'off the books test' and didn't furnish the results when asked, and continued to double down when demanding a refund. I've seen people try to scam TDs with more effort, but finding the truth is near impossible without proper proof, especially to the one making the claim. As it is I would consider this still an open dispute.
​
At a broader level, supporting vendor discussion is no longer supported here due to the customer support model at forums. Trusted Vendors' discussion are always supported.
​
Please upvote for visibility. Feel free to discuss, but keep comments civil. This is stretching my limits of what I enjoy being a volunteer mod here.

Understanding the importance of engaging with suppliers

Engaging with suppliers is crucial for businesses, especially when it comes to bulk purchases and discounts. By establishing strong relationships with suppliers, companies can benefit from various advantages. Firstly, engaging with suppliers allows businesses to negotiate better prices and secure bulk discounts. This can significantly reduce costs and increase profit margins. Secondly, suppliers can provide valuable insights and advice on market trends, product availability, and industry best practices. This information can help businesses make informed decisions and stay competitive in the market. Lastly, collaborating with suppliers fosters trust and loyalty, leading to long-term partnerships that can result in exclusive deals and preferential treatment. Therefore, understanding the importance of engaging with suppliers is essential for businesses seeking to optimize their purchasing strategies and maximize profitability.

Benefits of bulk purchases and discounts

Bulk purchases and discounts offer several benefits for businesses. One of the key advantages is cost savings. By buying in bulk, businesses can negotiate lower prices and secure discounts from suppliers. This can significantly reduce the overall procurement costs and improve the profit margins. Another benefit is increased efficiency. When businesses purchase in bulk, they can streamline their supply chain and reduce the frequency of ordering, resulting in time and resource savings. Additionally, bulk purchases allow businesses to maintain a consistent inventory, ensuring that they have sufficient stock to meet customer demands. Overall, engaging with suppliers for bulk purchases and discounts can provide businesses with cost savings, increased efficiency, and improved inventory management.

Key considerations before engaging with suppliers

Before engaging with suppliers for bulk purchases and discounts, there are several key considerations that need to be taken into account. One important factor is the visibility of your saree business. It is crucial to ensure that your business is easily discoverable by potential suppliers, as this can lead to better opportunities for bulk purchases and discounts. By increasing the visibility of your saree business through various marketing channels, such as online platforms and social media, you can attract the attention of suppliers and establish a strong presence in the industry. Another key consideration is the reputation of the suppliers you are planning to engage with. It is essential to research and evaluate the reputation of potential suppliers to ensure they have a track record of delivering high-quality products and providing reliable services. Additionally, it is important to consider the financial stability of the suppliers, as this can impact their ability to fulfill bulk orders and offer competitive pricing. By carefully considering these factors before engaging with suppliers, you can make informed decisions that will benefit your saree business in the long run.

Finding the right suppliers

Researching potential suppliers

Researching potential suppliers is a crucial step in the process of engaging with suppliers for bulk purchases and discounts. As an entrepreneur, it is important to embrace change and adapt to the evolving market demands. By thoroughly researching potential suppliers, you can identify those who align with your business values and offer competitive pricing. Embracing change allows you to stay ahead of the curve and make informed decisions when it comes to selecting the right suppliers for your bulk purchases. Additionally, embracing change as an entrepreneur opens up opportunities for innovation and growth, as you are constantly seeking ways to improve your business and meet the changing needs of your customers.

Evaluating supplier reliability and reputation

When it comes to evaluating supplier reliability and reputation, it is crucial to conduct thorough research and analysis. This involves assessing factors such as the supplier's track record, customer reviews, and industry certifications. Additionally, it is essential to consider the supplier's financial stability and their ability to meet bulk order requirements. By carefully evaluating these aspects, businesses can ensure that they engage with reliable and reputable suppliers for their bulk purchases. This not only helps in securing competitive prices and discounts but also minimizes the risk of disruptions in the supply chain.

Assessing supplier capacity and capabilities

Assessing supplier capacity and capabilities is a crucial step in the procurement process. It involves evaluating the ability of suppliers to meet the demands of bulk purchases and provide discounts. By thoroughly assessing supplier capacity, businesses can ensure that they are partnering with reliable and capable suppliers who can deliver the required products or services on time and at competitive prices. Additionally, evaluating supplier capabilities allows businesses to determine whether suppliers have the necessary resources, expertise, and infrastructure to handle large-scale orders. This assessment helps in mitigating risks and maximizing the benefits of bulk purchases and discounts. Self-love for entrepreneurs is an important aspect to consider when engaging with suppliers, as it encourages entrepreneurs to prioritize their well-being and make informed decisions that align with their business goals and values.

Negotiating bulk purchase terms

Determining the desired quantity and frequency

Determining the desired quantity and frequency is a crucial step in engaging with suppliers for bulk purchases and discounts. By accurately assessing your needs and forecasting future demand, you can negotiate better deals and secure cost-effective arrangements. It is important to consider factors such as storage capacity, shelf life of products, and market trends when determining the desired quantity. Additionally, understanding the frequency at which you require supplies allows you to plan your inventory management effectively and avoid stockouts or excess inventory. By establishing clear guidelines for quantity and frequency, you can build strong relationships with suppliers and optimize your procurement process.

Discussing pricing and payment terms

Discussing pricing and payment terms is a crucial step in engaging with suppliers for bulk purchases and discounts. It is important to establish clear and mutually beneficial arrangements to ensure a smooth payment process. When discussing payment terms, it is essential to consider factors such as the preferred method of payment, payment deadlines, and any applicable discounts or incentives for early payment. Additionally, it is advisable to inquire about the supplier's payment processing system to ensure compatibility and efficiency. By addressing these aspects, both parties can establish a strong foundation for a successful business relationship.

Exploring additional incentives and discounts

Exploring additional incentives and discounts is crucial for businesses looking to optimize their procurement strategies. One effective way to achieve this is by engaging with suppliers who offer bulk purchases and discounts. By establishing strong relationships with suppliers, businesses can negotiate favorable terms and secure cost savings. Moreover, suppliers may provide additional incentives such as extended payment terms or exclusive access to new products. To fully leverage these opportunities, businesses should consider partnering with a reliable business banking institution that can offer specialized financial solutions tailored to their procurement needs. With the right banking partner, businesses can streamline their payment processes, access working capital, and benefit from value-added services. By effectively engaging with suppliers and leveraging business banking services, businesses can enhance their purchasing power and drive long-term cost savings.

Building strong supplier relationships

Maintaining open lines of communication

Maintaining open lines of communication with suppliers is crucial for businesses looking to increase profitability. By establishing clear channels of communication, businesses can ensure that they are able to negotiate favorable terms and secure bulk purchases and discounts. Regularly engaging with suppliers allows businesses to stay updated on market trends, pricing fluctuations, and new product offerings, enabling them to make informed decisions that can positively impact their bottom line. Additionally, maintaining open lines of communication fosters strong relationships with suppliers, leading to a more collaborative and mutually beneficial partnership. To increase profitability, businesses should prioritize effective communication strategies with their suppliers.

Collaborating on product development and improvement

Collaborating on product development and improvement is crucial for businesses looking to engage with suppliers for bulk purchases and discounts. By working together, businesses can leverage the expertise and resources of their suppliers to enhance the quality, features, and performance of their products. This collaboration allows for the identification of potential areas for improvement and the implementation of innovative solutions. Additionally, it fosters a strong relationship between businesses and suppliers, built on trust and mutual understanding. Through effective collaboration, businesses can not only achieve cost savings through bulk purchases but also gain a competitive edge in the market by offering superior products to their customers.

Providing feedback and addressing concerns

Providing feedback and addressing concerns is crucial when engaging with suppliers for bulk purchases and discounts. It allows businesses to maintain a strong and transparent relationship with their suppliers, ensuring that both parties are satisfied with the products and services provided. By providing feedback, businesses can communicate their needs and expectations, allowing suppliers to make necessary adjustments and improvements. Addressing concerns promptly and effectively demonstrates professionalism and commitment to quality, fostering trust and long-term collaboration. Moreover, open communication channels enable businesses to resolve any issues or disputes that may arise, minimizing potential disruptions to the supply chain. Overall, the process of providing feedback and addressing concerns is essential for optimizing supplier relationships and ensuring the success of bulk purchases and discounts.

Managing supplier performance

Setting clear expectations and performance metrics

When it comes to setting clear expectations and performance metrics, it is crucial for businesses to establish a solid foundation for their relationships with suppliers. This not only helps in streamlining the procurement process but also ensures that both parties are on the same page regarding the quality, quantity, and delivery of goods and services. One key aspect of this is credit card processing for tailors. By implementing efficient and secure credit card processing systems, tailors can offer their customers a convenient and hassle-free payment method. This not only enhances customer satisfaction but also improves the overall efficiency of the purchasing process. Additionally, by setting clear expectations and performance metrics for credit card processing, tailors can ensure timely payments and minimize any potential disputes or issues. Therefore, it is essential for tailors to establish a robust credit card processing system that meets the needs of both the business and its customers.

Regularly reviewing supplier performance

Regularly reviewing supplier performance is crucial for businesses engaged in bulk purchases and seeking discounts. By regularly evaluating the performance of suppliers, businesses can ensure that they are meeting the required standards of quality, reliability, and timeliness. This evaluation process involves assessing factors such as product quality, delivery time, customer service, and adherence to agreed-upon terms and conditions. One important aspect of supplier performance evaluation is creating a rate sheet. A rate sheet provides a comprehensive overview of the pricing structure offered by different suppliers, allowing businesses to compare and negotiate better deals. By creating a rate sheet, businesses can identify suppliers offering competitive prices and leverage this information to negotiate bulk purchase discounts. Additionally, a rate sheet facilitates transparency and accountability in supplier relationships, as both parties have a clear understanding of the pricing terms. Regularly reviewing supplier performance, including creating a rate sheet, is essential for businesses looking to optimize their bulk purchasing strategies and secure cost-effective deals.

Addressing issues and resolving conflicts

Addressing issues and resolving conflicts is crucial for maintaining a healthy and productive relationship with suppliers. Effective communication is key in this process, and it is important to approach any concerns or conflicts in a professional and respectful manner. One way to address issues is through email communication, which allows for clear and documented conversations. By utilizing effective email marketing strategies, such as personalization and targeted messaging, suppliers can be engaged in a more efficient and impactful way. For example, for a nail business, implementing an email marketing campaign that highlights the benefits of bulk purchases and discounts can be a powerful tool in engaging with suppliers. By emphasizing the value proposition and showcasing the potential growth opportunities, suppliers are more likely to be receptive and willing to negotiate favorable terms. It is essential to tailor the email content to address the specific needs and interests of the suppliers, ensuring that the message resonates with them and motivates them to take action. By employing effective email marketing techniques, the nail business can strengthen its relationship with suppliers and optimize its purchasing process for bulk orders and discounts.

Conclusion

Summary of key points

In summary, engaging with suppliers for bulk purchases and discounts is crucial for businesses looking to optimize their procurement processes and reduce costs. By establishing strong relationships with suppliers, businesses can negotiate favorable terms and secure volume discounts, resulting in significant savings. Additionally, effective communication and clear expectations are key to successful supplier engagement, ensuring that both parties are aligned on pricing, delivery schedules, and quality standards. Finally, leveraging technology and data analytics can further enhance the supplier engagement process, enabling businesses to make informed decisions based on real-time insights. Overall, by actively engaging with suppliers and implementing best practices, businesses can achieve cost savings, improve efficiency, and gain a competitive edge in the market.

Importance of ongoing supplier engagement

Ongoing supplier engagement is of utmost importance when it comes to bulk purchases and discounts. Establishing and maintaining a strong relationship with suppliers enables businesses to negotiate better prices, secure exclusive deals, and ensure timely deliveries. By regularly communicating and collaborating with suppliers, businesses can stay informed about market trends, product availability, and upcoming promotions. This allows them to make informed decisions and take advantage of favorable opportunities. Additionally, ongoing supplier engagement facilitates effective problem-solving and prompt resolution of issues, ensuring smooth operations and customer satisfaction. To optimize supplier engagement, businesses should implement effective calls to action, such as requesting quotes, participating in supplier meetings, and providing feedback on products and services. These calls to action serve as catalysts for proactive engagement and foster a mutually beneficial partnership between businesses and suppliers.

Benefits of long-term supplier relationships

One of the key benefits of establishing long-term supplier relationships is the ability to negotiate bulk purchases and secure discounts. By developing a strong partnership with suppliers, companies can leverage their buying power to obtain cost savings and competitive pricing. This is particularly advantageous for LLC service companies that frequently require large quantities of supplies and materials. Through ongoing collaboration and trust, these companies can establish favorable terms and conditions with their suppliers, ensuring a steady supply of goods at discounted rates. Additionally, long-term supplier relationships enable LLC service companies to streamline their procurement processes, reduce administrative costs, and enhance overall operational efficiency.
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Importance of validating the quality of pet products

Validating the quality of pet products is of utmost importance when purchasing them online. It ensures that the products meet the necessary standards and are safe for our beloved pets. One key aspect of this validation process is establishing better communication with the sellers and manufacturers. By maintaining open lines of communication, pet owners can address any concerns or questions they may have about the product. This not only helps in making informed decisions but also allows for a seamless exchange of information between the buyer and the seller. Therefore, better communication plays a vital role in ensuring the quality and safety of pet products.

Common challenges in validating pet products online

When it comes to validating pet products online, there are several common challenges that pet owners face. One of the main challenges is the overwhelming amount of options available. With so many different brands and types of pet products being sold online, it can be difficult to determine which ones are of high quality. Another challenge is the lack of physical interaction with the product. Unlike buying from a physical store, pet owners cannot touch or inspect the product before purchasing it online. This makes it important to rely on other indicators of quality, such as customer reviews and ratings. Additionally, pet owners may also face challenges in verifying the accuracy of product descriptions and claims made by sellers. Some sellers may use misleading language or exaggerated claims in their advertisements. Therefore, it is crucial for pet owners to do thorough research and consider multiple sources of information before making a purchase.

Benefits of purchasing high-quality pet products

When it comes to purchasing pet products online, there are numerous benefits to choosing high-quality options. Firstly, high-quality pet products are designed with the well-being of your furry friend in mind. They are made from safe and durable materials, ensuring that they will not harm your pet or break easily. Additionally, high-quality pet products are often more effective in meeting your pet's needs. Whether it's a nutritious diet, comfortable bedding, or engaging toys, investing in high-quality products ensures that your pet receives the best care possible. Lastly, purchasing high-quality pet products can save you money in the long run. While they may have a higher upfront cost, these products are often more durable and long-lasting, reducing the need for frequent replacements. Overall, opting for high-quality pet products is a worthwhile investment that benefits both you and your beloved pet.

Understanding Product Labels

Decoding pet product labels

When it comes to decoding pet product labels, it is important to understand the information provided and make informed decisions for your furry friends. Pet product labels can be filled with complex terminology and misleading claims, making it crucial for pet owners to be aware of what they are purchasing. By carefully reading and interpreting pet product labels, you can ensure the quality and safety of the products you choose for your pets. Additionally, if you have any questions or concerns about a specific pet product, it is always recommended to reach out to the manufacturer or consult with your veterinarian for further guidance. Inspiring action through email is a powerful tool that can be used to advocate for better pet product labeling standards and transparency in the industry. By contacting pet product companies and expressing your concerns, you can help drive positive change and ensure that pet owners have access to accurate and reliable information about the products they buy.

Identifying key information on labels

When it comes to identifying key information on labels, it is important to ensure that the quality of pet products sold online is validated. This is crucial for pet owners who want to make informed decisions about the products they purchase for their beloved pets. By carefully examining the labels, pet owners can gather essential information about the ingredients, nutritional value, and potential allergens present in the products. This helps in determining whether the product is suitable for their pet's specific needs. Additionally, labels also provide information about the manufacturer, certifications, and any additional instructions or warnings. By paying close attention to these details, pet owners can ensure that they are purchasing high-quality and safe pet products online.

Evaluating the credibility of product claims

When it comes to evaluating the credibility of product claims, it is important to consider various factors. One such factor is the Canva 2023 guide. This comprehensive guide provides valuable insights and information on how to validate the quality of pet products sold online. By following the guidelines outlined in the Canva 2023 guide, pet owners can ensure that they are making informed decisions when purchasing pet products. The guide highlights key aspects to look for, such as product certifications, customer reviews, and ingredient transparency. By utilizing the Canva 2023 guide, pet owners can have peace of mind knowing that they are purchasing high-quality and reliable pet products.

Researching Brands and Manufacturers

Finding reputable pet product brands

When it comes to finding reputable pet product brands, there are several factors to consider. One important aspect is to look for brands that have a strong reputation in the pet industry. This can be determined by researching customer reviews and feedback, as well as checking if the brand is recommended by veterinarians or pet professionals. Additionally, it is crucial to consider the ingredients and manufacturing processes used by the brand. High-quality pet products should contain safe and nutritious ingredients, and be manufactured in facilities that adhere to strict quality control standards. Lastly, it is advisable to choose brands that have a transparent and responsive customer service, as this indicates their commitment to customer satisfaction. By considering these factors, pet owners can ensure that they are purchasing pet products from reputable brands that prioritize the health and well-being of their furry friends.

Investigating manufacturer's reputation

When it comes to purchasing pet products online, it is crucial to investigate the manufacturer's reputation. This step is essential in ensuring the quality and safety of the products being sold. By researching the manufacturer's background, customer reviews, and any certifications they may have, pet owners can make informed decisions about the products they choose for their beloved pets. Taking the time to investigate the manufacturer's reputation can help avoid potential risks and ensure that only high-quality pet products are purchased online.

Checking for certifications and accreditations

When it comes to checking for certifications and accreditations, it is essential to ensure the quality and safety of pet products sold online. Certifications and accreditations serve as indicators that the products have met certain standards and regulations set by reputable organizations. These certifications and accreditations provide reassurance to pet owners that the products they purchase are reliable and trustworthy. By verifying the presence of certifications and accreditations, pet owners can have peace of mind knowing that the products they choose have undergone rigorous testing and adhere to industry best practices. This not only safeguards the health and well-being of pets but also contributes to workplace productivity.

Reading Customer Reviews

Importance of customer reviews

Customer reviews play a crucial role in the decision-making process when it comes to purchasing pet products online. They provide valuable insights into the quality, reliability, and effectiveness of the products. By reading reviews from other pet owners, potential buyers can gain a better understanding of the product's performance and suitability for their pets. This is particularly important when it comes to garden supplies, as the quality of these products can directly impact the health and well-being of pets. Therefore, it is essential for online shoppers to carefully evaluate customer reviews and consider them as a reliable source of information before making a purchase.

Analyzing the credibility of reviews

When analyzing the credibility of reviews, it is important to consider various factors. One such factor is the use of auto templates. Auto templates are pre-written review templates that can be easily copied and pasted by sellers to create fake reviews. These templates often contain generic and exaggerated language, making it easier to spot suspicious reviews. By identifying the use of auto templates, consumers can determine the authenticity of the reviews and make informed decisions when purchasing pet products online.

Identifying red flags in customer feedback

When it comes to identifying red flags in customer feedback, there are several key factors to consider. One of the first things to look for is an unusually high number of negative reviews or complaints. This could indicate a potential issue with the quality of the pet product. Additionally, pay attention to recurring themes or patterns in the feedback. If multiple customers are reporting the same problem or concern, it may be a sign that there is a genuine issue with the product. Another red flag to watch out for is overly positive or overly negative reviews that seem suspicious or biased. These could be fake or manipulated reviews, which can skew the overall perception of the product's quality. It is also important to consider the credibility of the source of the feedback. Reviews from verified purchasers or reputable websites can carry more weight than anonymous or unverified sources. By being vigilant and considering these red flags, consumers can make more informed decisions when it comes to purchasing pet products online.

Comparing Prices and Value

Determining the true value of pet products

Determining the true value of pet products is essential for pet owners who want to ensure the well-being and safety of their furry friends. With the increasing popularity of online shopping, it can be challenging to validate the quality of pet products sold online. However, by considering a few key factors, pet owners can make informed decisions and choose products that meet their pets' needs. One important aspect to consider is the reputation and credibility of the seller. Pet owners should look for trusted brands and sellers with positive reviews and ratings. Additionally, checking for certifications and quality standards can help ensure that the products meet industry standards. Another factor to consider is the ingredients or materials used in the pet products. Pet owners should be aware of any potential allergens or harmful substances that could be present. Lastly, comparing prices and researching the market can help pet owners determine the true value of the products and avoid overpaying. By taking these steps, pet owners can make confident choices when purchasing pet products online.

Comparing prices across different platforms

When it comes to purchasing pet products online, it is important to compare prices across different platforms. This allows pet owners to ensure they are getting the best value for their money. By comparing prices, customers can identify any price variations or discounts offered by different sellers. Additionally, comparing prices can help pet owners avoid overpaying for products that may be available at a lower cost elsewhere. Taking the time to compare prices across different platforms is a simple yet effective way to validate the quality of pet products sold online.

Considering long-term cost-effectiveness

When considering the long-term cost-effectiveness of pet products sold online, it is important to take into account various factors. One such factor is the branding of the product. Branding plays a significant role in determining the quality and reliability of pet products. For photographers, it is essential to choose products that align with their brand image and values. By selecting pet products from reputable brands, photographers can ensure that they are investing in high-quality items that will last longer and provide better value for money. Additionally, reputable brands often offer warranties and customer support, further enhancing the long-term cost-effectiveness of their products.

Seeking Professional Recommendations

Consulting veterinarians or pet experts

Consulting veterinarians or pet experts is an essential step in validating the quality of pet products sold online. These professionals have the knowledge and expertise to assess the safety and efficacy of various products, ensuring that they meet the necessary standards for the well-being of your pets. By seeking their guidance, you can make informed decisions and choose products that are suitable for your pet's specific needs. Whether it's selecting the right food, toys, or grooming supplies, consulting veterinarians or pet experts can provide valuable insights and recommendations to ensure the health and happiness of your furry companions.

Getting recommendations from trusted sources

When it comes to finding the best pet products sold online, getting recommendations from trusted sources is essential. One reliable way to ensure the quality of these products is by looking for square features specifically designed for home-based businesses. These features provide added convenience and functionality, making it easier for pet owners to manage their purchases and ensure the well-being of their furry friends. By incorporating square features into the online shopping experience, pet product sellers can offer a seamless and reliable service to their customers. To learn more about the benefits of square features for home-based businesses, click here.

Considering specialized pet product review websites

When considering the quality of pet products sold online, it is important to take into account the information provided by specialized pet product review websites. These websites offer valuable insights and unbiased opinions from experts and other pet owners who have tested and evaluated various products. By consulting these review websites, pet owners can make more informed decisions and ensure that they are purchasing high-quality products that meet their pets' specific needs. Additionally, these specialized websites often provide detailed information on product ingredients, manufacturing processes, and safety standards, allowing consumers to have a better understanding of the products they are considering. Overall, relying on specialized pet product review websites can be a helpful resource in validating the quality of pet products sold online.

Conclusion

Importance of ensuring the quality of pet products

Ensuring the quality of pet products is of utmost importance for both pet owners and businesses. When it comes to pet products sold online, it becomes even more crucial as there is limited opportunity for physical inspection before purchase. Pet owners rely on the information provided by the seller to make informed decisions about the products they buy for their beloved pets. A business that sells high-quality pet products not only promotes the well-being and safety of pets but also gains the trust and loyalty of their customers. Therefore, ensuring the quality of pet products is essential for business promotion.

Taking proactive steps to validate online purchases

Taking proactive steps to validate online purchases is essential in ensuring the quality of pet products. With the increasing popularity of online shopping, it is important to be cautious and thorough when making purchases for our furry friends. One effective way to validate the quality of pet products sold online is by utilizing Google revenue streams. By leveraging the various revenue streams offered by Google, such as Google Ads and Google Shopping, pet owners can access valuable information and reviews about the products they are interested in. These revenue streams provide a platform for sellers to showcase their products and for buyers to make informed decisions based on the experiences of other customers. By using Google revenue streams, pet owners can gain confidence in the quality and authenticity of the products they purchase for their beloved pets.

Enhancing the well-being of pets through informed choices

In today's digital age, pet owners have access to a wide range of pet products sold online. However, ensuring the quality of these products is crucial for the well-being of our beloved pets. By making informed choices, we can enhance the overall health and happiness of our furry companions. With the abundance of options available, it is important to be knowledgeable about the factors that determine the quality of pet products. This article will provide a comprehensive guide on how to validate the quality of pet products sold online, empowering pet owners to make informed decisions and prioritize the well-being of their pets.
In conclusion, starting a pet supplies business online can be a lucrative venture. With the increasing demand for pet products, there is a great opportunity to tap into this market. By following the step-by-step guide provided on our website, you can learn how to start your own pet supplies business and achieve success. Don't miss out on this chance to turn your passion for pets into a profitable online business. Visit our website today and take the first step towards building your own pet supplies empire!

Ineffective - assessing control risk too low - risk of acceptance
Inefficient - assessing control risk too high - risk of rejection
I am stupid and don't understand why this is.

Introduction to healthcare staffing agencies

Healthcare staffing agencies play a vital role in providing qualified healthcare professionals to meet the growing demand for healthcare services. These agencies act as intermediaries between healthcare facilities and healthcare professionals, ensuring that the right professionals are placed in the right positions. The introduction of healthcare staffing agencies has revolutionized the healthcare industry, offering opportunities for both healthcare professionals and healthcare facilities to optimize their operations and provide quality care. In this article, we will explore the opportunities and challenges of starting and growing a healthcare staffing agency in South Dakota.

Importance of healthcare staffing agencies in South Dakota

Healthcare staffing agencies play a crucial role in South Dakota by addressing the growing demand for qualified healthcare professionals. With the increasing population and the need for quality healthcare services, these agencies serve as a bridge between healthcare facilities and skilled healthcare workers. They ensure that healthcare facilities have access to a pool of competent and reliable professionals, while also providing employment opportunities for healthcare workers. By effectively matching the right professionals with the right healthcare facilities, these agencies contribute to the overall improvement of healthcare delivery in South Dakota. Moreover, they help alleviate the burden on healthcare facilities by handling the recruitment and placement process, allowing them to focus on providing quality care to patients. Overall, healthcare staffing agencies are essential in meeting the staffing needs of the healthcare industry in South Dakota and ensuring the delivery of quality healthcare services to the community.

Market analysis of healthcare staffing agencies in South Dakota

Market analysis of healthcare staffing agencies in South Dakota reveals several opportunities and challenges for entrepreneurs looking to start and grow their own agency. The healthcare industry in South Dakota is experiencing significant growth, creating a high demand for qualified healthcare professionals. This presents a lucrative market for staffing agencies to connect healthcare facilities with the right talent. However, the competition in the industry is also intense, with numerous established agencies already operating in the state. To succeed in this market, entrepreneurs need to carefully analyze the current landscape, identify gaps and niches, and develop unique strategies to differentiate their agency. Additionally, understanding the regulatory requirements and compliance standards specific to South Dakota is crucial for ensuring smooth operations and building trust with clients and healthcare professionals. With the right research, planning, and execution, entrepreneurs can navigate the market and establish a successful healthcare staffing agency in South Dakota.

Legal Requirements for Starting a Healthcare Staffing Agency

Licensing and registration

Licensing and registration are crucial steps in starting and growing a healthcare staffing agency in South Dakota. In order to operate legally and provide quality services, it is important to obtain the necessary licenses and registrations from the appropriate authorities. This ensures compliance with state regulations and helps build trust with clients and healthcare professionals. The process of obtaining licenses and registrations may vary depending on the type of agency and the services offered. It is essential to thoroughly research and understand the requirements, fees, and timelines involved. Additionally, maintaining updated licenses and registrations is vital to avoid any legal issues or disruptions in business operations. By prioritizing licensing and registration, healthcare staffing agencies can establish a solid foundation for success in South Dakota's competitive healthcare industry.

Insurance and liability

Insurance and liability are crucial aspects to consider when starting and growing a healthcare staffing agency in South Dakota. As the healthcare industry is highly regulated, it is important to have the appropriate insurance coverage to protect the agency, its employees, and clients. This includes professional liability insurance to cover any potential malpractice claims, general liability insurance to protect against accidents or injuries on the agency's premises, and workers' compensation insurance to provide financial support for employees who may suffer work-related injuries. Additionally, it is essential to regularly review and update insurance policies to ensure they meet the changing needs of the agency and comply with state and federal regulations. By prioritizing insurance and liability management, healthcare staffing agencies in South Dakota can mitigate risks and safeguard their operations, reputation, and financial stability.

Compliance with employment laws

Compliance with employment laws is a crucial aspect of starting and growing a healthcare staffing agency in South Dakota. As the healthcare industry is highly regulated, it is essential to adhere to all relevant laws and regulations to ensure the agency operates legally and ethically. This includes understanding and complying with federal and state employment laws, such as the Fair Labor Standards Act (FLSA), the Family and Medical Leave Act (FMLA), and the Occupational Safety and Health Act (OSHA). Additionally, healthcare staffing agencies must also comply with industry-specific regulations, such as those set forth by the Joint Commission on Accreditation of Healthcare Organizations (JCAHO) and the Centers for Medicare and Medicaid Services (CMS). Failing to comply with these laws and regulations can result in severe penalties, legal consequences, and damage to the agency's reputation. Therefore, it is imperative for healthcare staffing agencies in South Dakota to prioritize compliance with employment laws to ensure the success and longevity of their business.

Recruitment and Hiring Process

Identifying staffing needs

Identifying staffing needs is a crucial step in starting and growing a healthcare staffing agency in South Dakota. Understanding the demand for healthcare professionals in the state is essential for determining the specific staffing needs of healthcare facilities. By conducting thorough research and analysis, healthcare staffing agencies can identify the areas and specialties that require the most attention. This knowledge allows agencies to tailor their recruitment efforts and provide healthcare facilities with qualified professionals who can meet their staffing needs effectively. Additionally, staying updated on industry trends and changes in healthcare regulations is vital for staying ahead of the competition and addressing the evolving staffing needs of healthcare facilities in South Dakota.

Sourcing qualified healthcare professionals

Sourcing qualified healthcare professionals is a critical aspect of starting and growing a healthcare staffing agency in South Dakota. The success of the agency relies heavily on the ability to attract and retain top talent in the healthcare industry. To ensure the highest level of care for clients, it is essential to have a rigorous screening and selection process in place. This includes conducting thorough background checks, verifying credentials and certifications, and assessing the skills and experience of potential candidates. Additionally, building strong relationships with educational institutions, professional organizations, and other healthcare providers can provide valuable networking opportunities and access to a pool of qualified professionals. By investing in effective sourcing strategies, a healthcare staffing agency can position itself as a trusted provider of high-quality healthcare professionals in South Dakota.

Screening and interviewing candidates

Screening and interviewing candidates is a critical step in the process of starting and growing a healthcare staffing agency in South Dakota. The success of the agency relies heavily on the quality of the healthcare professionals it recruits and places in various healthcare facilities. To ensure that only the most qualified candidates are selected, thorough screening and interviewing techniques must be employed. This includes conducting background checks, verifying credentials, assessing clinical skills, and evaluating cultural fit. Additionally, it is essential to adhere to all legal and ethical guidelines throughout the screening and interviewing process. By implementing a rigorous screening and interviewing process, healthcare staffing agencies in South Dakota can attract top talent and provide exceptional services to healthcare facilities in the region.

Building Relationships with Healthcare Facilities

Understanding the needs of healthcare facilities

Understanding the needs of healthcare facilities is crucial for starting and growing a healthcare staffing agency in South Dakota. Healthcare facilities rely on staffing agencies to provide them with qualified and competent healthcare professionals to meet their staffing needs. By understanding the specific needs of healthcare facilities, such as the demand for specialized healthcare professionals or the need for flexible staffing solutions, consulting firms can develop effective strategies to address these needs. By offering tailored staffing solutions and providing expertise in healthcare staffing, consulting firms can help healthcare facilities optimize their staffing processes and ensure the delivery of quality patient care.

Negotiating contracts and agreements

Negotiating contracts and agreements is a crucial aspect of running a successful healthcare staffing agency. It requires careful consideration and attention to detail to ensure that both parties involved are satisfied with the terms and conditions. One of the key challenges in this process is dealing with corporate companies that may be losing money. It is important to approach such negotiations with tact and professionalism, offering solutions and strategies that can help mitigate their financial difficulties. By understanding their unique situation and providing tailored solutions, healthcare staffing agencies can build strong partnerships with corporate companies, creating mutually beneficial agreements that contribute to the growth and success of both parties.

Providing ongoing support and communication

Providing ongoing support and communication is crucial for the success of a healthcare staffing agency in South Dakota. By maintaining open lines of communication with clients and healthcare professionals, the agency can ensure that staffing needs are met efficiently and effectively. This includes regular check-ins with clients to assess their staffing requirements and address any concerns or issues that may arise. Additionally, the agency should establish a reliable system for healthcare professionals to communicate their availability and preferences, allowing for seamless coordination and scheduling. By prioritizing ongoing support and communication, the healthcare staffing agency can build strong relationships with clients and healthcare professionals, leading to long-term success and growth.

Marketing and Promotion Strategies

Creating a strong online presence

Creating a strong online presence is crucial for any healthcare staffing agency looking to thrive in today's digital age. With the majority of people turning to the internet to search for healthcare services, having a well-established online presence can significantly increase visibility and attract potential clients. To create a strong online presence, healthcare staffing agencies in South Dakota should focus on developing a professional website that showcases their expertise, services, and testimonials from satisfied clients. Additionally, investing in search engine optimization (SEO) strategies can help the agency rank higher in search engine results, making it easier for potential clients to find them. Lastly, leveraging social media platforms and online advertising can further enhance the agency's online presence, reaching a wider audience and establishing credibility in the industry. By prioritizing the creation of a strong online presence, healthcare staffing agencies in South Dakota can position themselves as leaders in the field and effectively compete in the digital landscape.

Networking with healthcare professionals and facilities

Networking with healthcare professionals and facilities is crucial for the success of a healthcare staffing agency in South Dakota. By building strong relationships with doctors, nurses, and other healthcare providers, the agency can gain valuable insights into the needs and preferences of the local healthcare community. This knowledge can help the agency tailor its staffing solutions to meet the specific requirements of healthcare facilities in South Dakota. Additionally, networking allows the agency to establish partnerships with hospitals, clinics, and group homes, which can lead to a steady stream of clients and job opportunities. By leveraging these connections, the agency can position itself as a trusted and reliable resource for healthcare staffing in South Dakota.

Utilizing targeted advertising and marketing campaigns

Utilizing targeted advertising and marketing campaigns is crucial for the success of a healthcare staffing agency in South Dakota. By identifying the specific needs and preferences of healthcare professionals and facilities in the area, the agency can tailor its messaging and promotional activities to effectively reach its target audience. This may involve utilizing online platforms, such as social media and job boards, to connect with potential candidates and clients. Additionally, the agency can leverage local partnerships and industry networks to expand its reach and visibility. A well-executed advertising and marketing strategy can help the agency establish a strong brand presence, attract qualified healthcare professionals, and build relationships with healthcare facilities, ultimately leading to the growth and sustainability of the business.

Challenges and Opportunities in the Healthcare Staffing Industry

Shortage of healthcare professionals

The shortage of healthcare professionals is a significant challenge faced by the healthcare staffing industry in South Dakota. With the increasing demand for healthcare services, there is a growing need for skilled and qualified professionals to meet the needs of the population. However, the limited availability of healthcare professionals, especially in rural areas, poses a major obstacle to the growth and expansion of healthcare staffing agencies. This shortage not only affects the quality of patient care but also puts a strain on existing healthcare facilities. To address this issue, it is crucial for healthcare staffing agencies to develop strategies to attract and retain healthcare professionals, such as offering competitive salaries, providing professional development opportunities, and establishing partnerships with educational institutions to promote healthcare careers in the state.

Competition from other staffing agencies

Competition from other staffing agencies is a significant challenge that healthcare staffing agencies in South Dakota face. With the increasing demand for healthcare professionals, the market has become highly competitive. To stand out from the competition, healthcare staffing agencies need to focus on providing exceptional services and building strong relationships with healthcare facilities. One area that can give a competitive edge is email deliverability. Ensuring that emails are delivered to the intended recipients in a timely manner is crucial for effective communication and maintaining client relationships. By prioritizing email deliverability, healthcare staffing agencies can enhance their communication channels and improve overall client satisfaction.

Changing healthcare regulations and policies

Changing healthcare regulations and policies play a crucial role in the success and growth of healthcare staffing agencies in South Dakota. Staying updated with the latest changes ensures compliance and adherence to legal requirements. It also allows agencies to adapt their operations and strategies to meet the evolving needs of the healthcare industry. By closely monitoring and understanding these regulations and policies, healthcare staffing agencies can effectively navigate challenges and capitalize on new opportunities.

Conclusion

Summary of key points

Starting and growing a healthcare staffing agency in South Dakota presents both opportunities and challenges. To succeed in this venture, it is important to understand the key points that can help navigate the industry. One of the key points to consider is the projected growth of the nursing industry in Georgia by 2023. This presents a significant opportunity for healthcare staffing agencies to provide qualified nursing professionals to meet the increasing demand. Additionally, understanding the specific regulations and licensing requirements in Georgia will be crucial for operating a successful agency in the state. By staying informed about industry trends and regulations, healthcare staffing agencies can position themselves for success in the competitive healthcare staffing market.

Future prospects of healthcare staffing agencies in South Dakota

The future prospects of healthcare staffing agencies in South Dakota are promising. With the increasing demand for healthcare professionals and the growing population in the state, there is a significant need for staffing agencies to provide qualified and skilled healthcare professionals. This presents a great opportunity for healthcare staffing agencies to expand their operations and cater to the healthcare needs of the community. However, along with the opportunities, there are also challenges that healthcare staffing agencies need to address. These include the competition from other staffing agencies, the need to constantly update their knowledge and skills to meet the changing healthcare landscape, and the need to maintain a strong network of healthcare professionals. Despite these challenges, healthcare staffing agencies in South Dakota have the potential to thrive and contribute to the overall healthcare industry in the state.

Final thoughts on starting and growing a healthcare staffing agency

Starting and growing a healthcare staffing agency can be a challenging but rewarding endeavor. For aspiring entrepreneurs in South Dakota, there are ample opportunities to tap into the growing healthcare industry. The state's favorable business environment and high demand for healthcare professionals create a conducive environment for startups in this sector. However, it is essential to be aware of the challenges that come with running a staffing agency, such as fierce competition and the need to establish strong relationships with healthcare facilities. By leveraging technology, networking with industry professionals, and providing excellent service, entrepreneurs can overcome these challenges and build a successful healthcare staffing agency in South Dakota.
In conclusion, starting a healthcare staffing business online is a great opportunity in 2023. With the increasing demand for healthcare professionals, there is a huge potential for success in this industry. If you want to learn more about how to start your own healthcare staffing business, visit our website. We provide a complete guide on how to get started, including step-by-step instructions and valuable tips. Don't miss out on this chance to build a successful online business in the healthcare industry. Take action now and visit our website to begin your journey.

14-minute read.

average monthly nominal salaries and YoY change in Q1 2024

Yerevan +8% to ֏324K/$836
Syunik +7% to ֏295K/$760
Shirak +7% to ֏142K/$366
Yerevan had the highest wages. Syunik had the highest wages among provinces, while Shirak had the lowest.
REPORT: While the average nominal monthly salary does not always show the level of economic prosperity in a region, its rise has made a tangible difference in Syunik.
SUREN PARSYAN (economist): Syunik has higher wages and strong employment. It is the most prosperous province with the lowest unemployment rate in Armenia: 24% in Armenia, 15% in Yerevan, and 2% in Syunik.
REPORT: Over the last 5 years, the average monthly nominal salaries have risen by 40% while the inflation was 21%.
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Armenian army launches command staff exercises

They will exercise the practical implementation of deployment and combat plans, evaluate the commanders' skills, improve the synchronized work between various groups, develop the officers' moral characteristics and practical skills during preparation and combat operations, etc.
They will use automated control systems and modern technologies during the exercises.
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Armenia and India will form a new working group for defense cooperation

Defense ministries of AM and IN held a meeting on Tuesday. They discussed the 2024-2025 cooperation plan and the creation of a new working group to coordinate the cooperation.
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from PM Pashinyan's speech at Copenhagen Democracy Summit:

PASHINYAN: Democracy has indeed become a reality in Armenia. Before the 2018 Velvet Revolution, massive electoral frauds were the usual companion of elections in Armenia. There was no trust among the citizens that there was a real chance for them to elect the government.
Now the situation is totally different; citizens know that they are powerful enough to decide. The two general elections that were held in Armenia after the Velvet Revolution have been acknowledged as democratic, free, and competitive both by the Armenian society and the international community.
Armenia made huge progress in strengthening the democratic institutions, an achievement reflected in reputable democracy indexes:
(a) Now we are the 43rd in the Reporters Without Borders’ Freedom of Speech index, compared to 79th place in 2017.
(b) Categorized as having partially free internet in 2017 by Freedom House, now we enjoy the status of a country with free internet.
(c) In Transparency International’s Corruption Perception Index, Armenia is now 62nd instead of 107th in 2017.
(d) In the Economist Intelligence Unit’s democracy index we are 84th compared to 111th in 2017.
In order to assess this progress, it's essential to note that alongside democratic reforms, Armenia has been contending with external security challenges: the 44-day war in Nagorno-Karabakh, Azerbaijan's invasion of Armenia in 2021 and 2022 and the occupation of over 200 km² amid inaction by [Russia's] CSTO, the forced displacement of over 100,000 Armenians from Nagorno-Karabakh, have cast doubts among Armenian citizens weather democracy is the right choice. So, democracy needs to prove its efficiency while dealing with security, economic and humanitarian challenges.
We are pleased with the deployment of EU monitoring mission alongside the Armenian-Azerbaijani border, and we welcome EU’s decision to expand its capacity. On the other hand, we hope for the inclusion of Armenia into the European Peace Facility and in this regard, we rely on the support of all EU member states [Hungary].
A new set of commitments aimed at strengthening Armenia’s economic resilience, state institutions, and addressing the humanitarian needs of refugees has been taken on by the European Union and United States during the high-level meeting on April 5 in Brussels. The rapid and effective implementation of those commitments is of utmost importance.
Despite all the challenges, we believe that the real and most aspiring companion for democracy is lasting and sustainable peace. My government took the share of its responsibility for this. Recently we reached an agreement with Azerbaijan to launch the delimitation of our interstate borders on the basis of the Almaty Declaration of 1991. That means that during the delimitation we should simply reproduce the Soviet-era administrative borders. This is the implementation of the agreement reached in Prague in 2022. Now it is time to incorporate and reflect those agreements in the peace treaty and have it signed.
Another key point for our regional stability is the «Crossroads of Peace», project, initiated by my government. This project implies that Armenia and Azerbaijan restore and open transport and other communications in accordance with the sovereignty and jurisdiction of the countries through which they pass, and comply with the principles of equality and reciprocity. These elements of the concept were agreed upon during the July 2023 meeting with Ilham Aliyev and Charles Michel. //

... Politico reporter's Q&A with Pashinyan

REPORTER: [Ex-NATO leader] Anders Fogh Rasmussen called your neighbor an autocracy. You are in a very difficult geopolitical and geographical position. How do you solve the security problem in that environment?
PASHINYAN: I would not like to comment on the internal situation of our neighboring countries. Democracy fully corresponds to the mentality of our people. It is a strategy for our government, it is our political belief, it is also our political identity. The members of our political team have spent most of their lives fighting for democracy, the rule of law, and freedom of speech. Now we have the opportunity to realize all these values in our country.
The security situation was complicated because of the regional and global situation; the world order is collapsing at the moment. My assessment is, and I have had occasion to say this publicly, that the 2020 war was a prelude to further developments. And now the main issue is security.
What is our strategic point of view, how are we going to guarantee the security of our country? Recently, I gave a speech in our parliament, where I said that the most important tool for ensuring security is a foreign policy based on legitimacy. This is the reason why we so often speak about the 1991 Almaty Declaration.
It is very important that during the 2022 Prague meeting, two very important agreements were reached. Armenia and Azerbaijan recognize each other's territorial integrity and sovereignty on the basis of the Almaty Declaration and will use it as the basis for the border demarcation. This is the reason why I said that we are not drawing a new border, we just need to reproduce the existing one on the ground. This process is happening right now, and I hope that we will continue it steadfastly.
REPORTER: The border conflict that has occurred in recent years has had a negative impact on relations with Russia and Russia's role for Armenia. What would you say about this?
PASHINYAN: Armenia is a member of CSTO. We are officially a CSTO member, but I have announced that we have frozen our participation.
REPORTER: So are you still a member or...?
PASHINYAN: It is a matter for further discussion, but it is very important to record the current situation. A crisis arose in our relations after Azerbaijani troops invaded Armenia, and according to CSTO procedures, the Organization and its member states had to support Armenia in this situation. But even after the formal application, the CSTO refused to take any concrete steps, and in fact, that is the main reason for freezing our participation in the CSTO at all levels.
REPORTER: Do you expect the West to occupy the current vacuum and ensure your security?
PASHINYAN: We are diversifying our foreign relations in all spheres. Now we are developing defense cooperation with India, France, and other countries. We have a certain cooperation with the European Union because as I mentioned, we are happy about the deployment of the EU Civilian Observation Mission on the border. It is a civilian mission but in a way, it is a new factor for the security of our region. This is the first time that the European Union participates in the security agenda of Armenia.
REPORTER: Would you like to become an EU member?
PASHINYAN: We are waiting for the EU's decision to include Armenia in the European Peace Facility. We also hope to start visa liberalization negotiations, and last year I announced in the European Parliament that Armenia is ready to be as close to the European Union as the European Union deems it possible. This is our position.
REPORTER: Can you elaborate on what initiatives Armenia is taking in the fight against corruption?
PASHINYAN: We have made huge progress but have not eradicated corruption from Armenia. We must continue to be persistent in the agenda of democratic reforms. This is the reason why cooperation with the European Union is of utmost importance for us because today the European Union is our main partner in the implementation of our democratic reform agenda. We hope that the European Union, as well as the USA, will increase their support to Armenia in the implementation of democratic reforms, because, as I said, democracy is a strategy for us.
By the way, in 2019 we started a Strategic Dialogue with the USA, and today we see the strengthening of our cooperation with the European Union. We recently had a tripartite meeting with the participation of the USA, EU, and Armenia. It was an unprecedented format, where we adopted a huge agenda of institutional and economic reforms. It is also very important that we receive more tangible support from the EU and the US to address the humanitarian needs of the Nagorno Karabakh refugees because it is a very sensitive and emotional issue for us.
REPORTER: In which year would you like Armenia to become a member of the EU?
PASHINYAN: This year [as soon as possible]. //
Pashinyan met Anders Fogh Rasmussen. The latter emphasized the importance of the “Crossroads of Peace” project in the context of unblocking the regional infrastructure.
Pashinyan discussed various topics with the PM of Denmark. The latter accepted his invitation to visit Armenia.
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former regime continues to hold protests and briefly shut down roads in Yerevan with demands for PM Pashinyan's resignation

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Dozens of participants were detained and released the same day for blocking roads. The detentions decreased from 170 on Monday to ~63 on Tuesday. They want Pashinyan to resign or to be impeached. The protest organizers visited universities to gather student supporters, some of whom joined them with a dance. The organizers also stopped by at a bakery where they were given free food.
A felony investigation was launched after a police vehicle, "with the sirens on", struck a reporter on the street. In another instance, an investigation was launched against a protester who brought a long sword. One other case was launched over alleged threats made on Facebook by a Galstanyan fan who wants scores of people to be beaten in dalans and exiled from Armenia, "մենակ էտ դեպքում էս սրբազան հողը կմաքրվի էս տեսակ շան ծնունդներից, ուրիշ ձև չկա!!!!"
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A ruling faction member of Yerevan City Council complained about "harassment" by opposition figures who are attempting to convince ruling party members to join the protests and the impeachment.
RULING MEMBER: That is not how it works. No one will join you with that conduct. People will join if they see you have a legitimate agenda with trustworthy leaders. Instead, you are "ethnically cleansing" the citizens of Armenia [referring to one opposition speaker telling non-Armenians to leave] և հեռու չէ են օրը երբ դուք գուցե ասեք որ հայ լինելու համար պետք է Հայկ նահապետից տեղեկանք բերել: //
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Yesterday the protest co-organizer Archbishop Bagrat Galstanyan said he received a report suggesting that the Deputy Rector of Yerevan State University supposedly urged deans and others to retaliate against students who joined the protests. Galstanyan said he was unsure whether the report was true, but decided to read it out loud anyway. On Tuesday he rallied his supporters to the backyard of the University where he demanded to speak with the Deputy Rector for clarification.
The Deputy Rector went downstairs and greeted Galstanyan, who shook her hand but wouldn't let it go for an uncomfortably long period, prompting her to ask him to let go of her hand. The Deputy Rector declared that whatever Galstanyan read about her was a defamatory lie.
GALSTANYAN: I never believed it myself.
DEPUTY RECTOR: Then you should not have said out loud something you did not believe.
GALSTANYAN: Listen, there is a recorded fact...
DEPUTY RECTOR: Where is that "recorded fact"?
GALSTANYAN: It was on the media. As I said yesterday, I had no verification that it was true, which is why we came here to clarify it. If it's false, then I apologize.
DEPUTY RECTOR: Thank you. //
The Deputy Rector urged the protest organizers not to enter the building or disrupt the classes, and that "anyone who wants to follow you can follow you, anyone who wants to stay in classrooms should stay in classrooms".
The angry Deputy Rector left. Another university official criticized Galstanyan for not checking the information before reading it to his followers. Galstanyan said he stands behind his words, and that he was "just reading what was on the media", but reiterated that he had no intention to insult the Deputy Rector.
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Galstanyan and his supporters visited the monument dedicated to Operation Nemesis. He praised the figures behind Nemesis for "assuming personal responsibility". In front of the crowd, Galstanyan introduced Hambig Sassounian who recently joined his movement. He pointed to the Nemesis monument and said Sassounian is "one of the successors, one of the brightest people." In related news, on Sunday a ruling faction MP complained about receiving death threats with reference to Operation Nemesis.
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DANIEL IOANNESIAN (NGO chief): When this protest dies down, we need to discuss the following: (1) The transparency of political and media funding. There are some regulations in place, but they are incomplete and easily bypassed. For example, I'd like to know who paid for Archbishop Galstanyan's giant stage in Republic Square. In 2018 Pashinyan organized a fundraising for it and disclosed a detailed report. (2) Should the media organizations that do not respect the rules of financial transparency enjoy all the mechanisms for the protection of journalists? (3) Are the customs authorities confident that the church is not facilitating the business activities of certain figures disguised as donations? (4) Is it fair for the church and clergy members not to pay taxes? Should they be able to have a Bently and LX570 without paying taxes? [The "Bentley" is based on a true story.]
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Archbishop's fans spotted Miss Armenia 2003 and a H1 host Lusine Tovmasyan drinking a coffee at a Yerevan café and approached her.
PROTESTER: (unintelligable)
LUSINE: I was here drinking coffee yesterday, and a year before that.
PROTESTER: Why have you not joined the holy struggle?
LUSINE: Լավ եկեք թարգեք, շատ զզվելի ա, էնքան զզվելի ա․ //
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Pro-Kremlin propagandist Alexander Dugin praised the pro-Russian forces' protests in Armenia and criticized the pro-EU protests in Georgia.
Pro-Kremlin Russian politician Semyon Baghdasarov praised Archbishop Bagrat and the ongoing "uprising" in Armenia against the "traitor" [Nikol] who "rigged" the elections with the help of "Turkey, UK, and US". Nikol is a Turkish MI6 agent. video,
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Video of a protest recorded from above: video
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Armenian government has upgraded other diplomatic channels to reduce reliance on ARF's diaspora structures in the US, says pro-West NGO chief

KHURSHUDYAN: The status of the Armenian Ambassador to the U.S. [Lilith Makunts] has been significantly upgraded. I won't go into specifics because it's tied to our neighbors, but she plays an interesting role there. We have great conditions for the U.S. Congress to pressure Azerbaijan. This is outside of ARF's lobbyist groups in the U.S.
REPORTER: ARF Hay Dat's recent conduct has been shameful.
KHURSHUDYAN: And its influence on the Lemkin Institute was obvious. //
Yesterday Kurshudyan accused the Lemkin Institute of caving to ARF's pressure and meddling into Armenia's internal affairs to assist the protests by the pro-Russian former regime.
KHURSHUDYAN: Lemkin Institute accused Pashinyan's April 24 genocide remembrance day statement of containing "victim blaming". Lemkin did not comment on Pashinyan's statement for several weeks, waited 15 days, and as soon as these pro-Russian protests began in Armenia, they gave them a պաս:
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Armenia's four most prominent pro-West opposition parties announce the formation of a unified platform

Republic Party, led by ex-PM Aram Sargsyan.
Hanun Republic Party, led by Arman Babajanyan.
European Party of Armenia, led by Tigran Khzmalyan.
Christian-Democratic Party, led by Levon Shirinyan.
Have the following agenda...
(1) Promotion of Western values in Armenia and Armenia's membership in EU and NATO.
(2) United front against threats and risks of destabilization coming from Russia.
(3) Vetting judges to clean up the courts, and resolution of issues left unaddressed by the Pashinyan administration.
(4) Continuation of border demarcation based on 1991 Almaty.
(5) The use of international law to achieve a fair resolution for Nagorno-Karabakh residents.
The platform is open for like-minded forces to join.
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Armenian army chief denies being a Russian citizen

A statement released by the defense ministry denies media reports that CoGS LtGen Edward Asryan is a dual citizen of Russia. His wife is an ethnic Russian with Armenian citizenship and his kids are dual citizens, but Asryan only has citizenship in Armenia. The whole family has resided in Armenia since 2006, said the statement.
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Georgia passes controversial ‘foreign agents’ bill despite widespread opposition

The law will require organizations receiving more than 20% of their funding from abroad to register as “agents of foreign influence” or face crippling fines.
The bill will be sent to the President who is expected to veto it, but her veto is expected to be overruled by the parliamentary majority later.
Georgian PM Kobakhidze had an "honest conversation" with U.S. deputy foreign minister James O'Brien, telling him that the Georgian government is interested in deepening the partnership with the U.S., "which requires mutual efforts and relations based on fairness."
James O'Brien demanded to speak with the manager - Bidza Ivanishvili. The latter refused to meet O'Brien, saying he won't hold any meetings under "blackmail".
The White House said the U.S. will review its relations with Georgia if the bill becomes law.
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how many of the 101,000 Nagorno-Karabakh refugees have left Armenia and haven't returned yet?

As of...
Dec: 6.6K
Jan: 6.9K
Mar: 8.0K
Apr: 9.1K
May: 9.9K
The former Ombudsman of Nagorno-Karabakh said many of them have family members and friends in Russia who invite them to move.
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temperatures are rising rapidly in Armenia

REPORTER: The rainy May is not going to be enough to alleviate the negative consequences of the rapidly rising temperatures in Armenia. With a ~3 Celsius anomaly, Armenia had the second-highest increase in temperature over the last 6 months among a group of monitored countries.
WEATHER CENTER: High temperatures increase the evaporation of water and reduce the amount of snow in the winter. In December and January, we recorded rain instead of snow in certain mountainous regions, which is bad for water resources.
REPORTER: A conference was recently held in Yerevan within the framework of the UN Convention to Combat Desertification.
UN official: Around 40% of global soils are degraded. Millions of people will be forced to migrate from their communities by 2050 as a result of climate problems. Emergency action is needed to reduce the rate of rising temperatures. //
Armenia joined the Convention three decades ago and has assumed the responsibility to restore degraded soil by 2030. The government is promoting drip irrigation systems for farming and wants to plant more trees.
video,

is the decline of Lake Sevan levels finally slowing down?

see the YoY chart

Yerevan Municipality to receive a €25 million loan from European Investment Bank to raise energy efficiency

It's part of the implementation of Eastern Partnership programs. The Armenian government and the EU are co-financing it.
The goal is to raise energy efficiency and carry out seismic retrofitting in 6 medical clinics and 32 kindergartens run by the municipality. The length of the program is 4 years.
video, video,

Gagik Tsarukyan is inside you

there is a bit of Tsarukyan inside all of you
see it to believe it

Gagik Tsarukyan says the new Jesus statue is ready and will be installed by the end of 2025

It will be a tourist attraction site. There will be a ropeway. Also, Tsarukyan needs you to know that he is a man of God and an avid believer.
video,

Armenia and Slovakia discussed AM-EU visa liberalization

source,

Lithuania will help retrain Armenian law enforcement agents to combat cybercrime, analyze crimes, etc.

source,

Armenia's Economy Minister Papoyan met the U.S. Assistant Secretary of State for Energy Resources Geoffrey Pyatt

In a Washington meeting participated by the Armenian Ministry delegation and Armenia's Ambassador, they spoke about the Crossroads of Peace logistics project proposed by Armenia, several topics relating to Armenia's energy and economic security, and the Armenian government's ongoing efforts to classify Armenia as a "market economy".
source,

Armenia and Iran discussed the construction of a second bridge over the River Araks

The first bridge began operating in 1996. It came to replace the floating bridges on the river.
Iran says the AM-IR traffic through the Meghri checkpoint significantly increased last year. Coupled with the fact that Armenia is building a modern North-South highway, they believe it's necessary to have a second AM-IR bridge to handle the rising traffic.
The parties are currently discussing the formation of a working group consisting of experts to discuss the topic.
source,

a new study on mice indicates that more exercise might be better than more sleep for clearing brain of toxins

They injected a dye into a brain and tracked the speed of its movement during sleep and exercise.
The findings show that the clearance of the dye was reduced by 30% in sleeping mice compared with mice that were kept awake. This has not been confirmed on humans yet.
Previous research has suggested that sleep is important for preventing dementia as it is during this time that toxic proteins are cleared from the brain.
source, source,

Importance of a business bank account

A business bank account is of utmost importance for sustainability enthusiasts who are running their own underwater photography business. It provides a dedicated financial platform to manage all the monetary transactions related to the business, ensuring transparency and accountability. With a business bank account, sustainability enthusiasts can easily separate their personal and business finances, making it easier to track expenses, monitor cash flow, and prepare accurate financial statements. Additionally, having a business bank account allows sustainability enthusiasts to accept payments from clients, pay suppliers, and manage payroll efficiently. It also enables them to build a strong credit history for their business, which can be crucial for future growth and expansion. Therefore, having a business bank account is a fundamental aspect of running a successful underwater photography business for sustainability enthusiasts.

Benefits of a free business bank account

A free business bank account offers several benefits for your underwater photography business. One of the key advantages is the ability to diversify your revenue streams. By having a separate bank account dedicated to your business, you can easily track and manage your income and expenses related to your photography services. This allows you to have a clear overview of your financial situation and make informed decisions to grow your business. Furthermore, a free business bank account provides a professional image to your clients and partners, enhancing your credibility and trustworthiness. With a free business bank account, you can also take advantage of various banking services and tools tailored for small businesses, such as online banking, mobile banking, and merchant services. These features enable you to streamline your financial operations and improve the efficiency of your business. Overall, a free business bank account is an essential tool for any underwater photography business looking to succeed and thrive in the industry.

Challenges of finding a free business bank account

Finding a free business bank account can be quite challenging, especially when it comes to underwater photography businesses. While there are numerous options available, it is essential to navigate through the complexities and find the right fit for your specific needs. The primary challenge lies in identifying a bank that offers free business accounts while also catering to the unique requirements of underwater photography businesses. However, with thorough research and careful consideration, it is possible to get a business bank account that suits your needs and provides the necessary financial services to support your underwater photography venture.

Researching Free Business Bank Accounts

Understanding the requirements

Understanding the requirements for opening a free business bank account is essential for any entrepreneur. Whether you are starting a new business or looking to switch banks, it is important to know the criteria that need to be met. In order to qualify for a free business bank account, you will need to provide certain documents and meet specific eligibility criteria set by the bank. These requirements may include having a registered business entity, a valid tax identification number, proof of address, and a minimum deposit amount. By understanding and fulfilling these requirements, you can ensure a smooth process of opening a free business bank account for your underwater photography business.

Comparing different banks

When it comes to comparing different banks for your underwater photography business, there are a few key factors to consider. First and foremost, you'll want to look at the fees associated with opening and maintaining a business bank account. Additionally, it's important to consider the range of services offered by each bank, such as online banking, mobile banking, and merchant services. Another crucial aspect to evaluate is the bank's reputation and customer reviews, as this can give you insight into their level of customer service and reliability. Lastly, be sure to compare the interest rates and loan options available, as these can greatly impact your business's financial growth and stability. By carefully examining these factors, you can make an informed decision and find the best bank that meets the unique needs of your underwater photography business.

Reading customer reviews

Reading customer reviews is an essential step in the decision-making process for any business. It provides valuable insights into the experiences of previous customers and helps potential customers gauge the quality and reliability of a product or service. When it comes to choosing a business bank account for your underwater photography business, reading customer reviews becomes even more important. One keyword that stands out in customer reviews is organic SEO. Organic SEO refers to the process of optimizing a website to rank higher in search engine results without paid advertising. Many customers highlight the positive impact of organic SEO on their business, as it helps them attract more targeted traffic and increase their online visibility. By incorporating organic SEO techniques into your underwater photography business, you can enhance your website's visibility and reach a wider audience of potential customers.

Applying for a Free Business Bank Account

Gathering necessary documents

To ensure a smooth process for opening a free business bank account for your underwater photography business, it is essential to gather all the necessary documents. These documents will not only help establish the legitimacy of your business but also contribute to its growth. By providing the required paperwork, such as proof of business registration, identification documents, and financial statements, you can demonstrate your commitment to professionalism and financial transparency. This will not only instill confidence in the bank but also pave the way for future business opportunities and collaborations. Gathering the necessary documents is a crucial step towards achieving your business growth goals.

Completing the application form

Completing the application form is a crucial step in obtaining a free business bank account for your underwater photography business. This form serves as a comprehensive document that collects essential information about your business, including its legal name, address, and contact details. Additionally, you will be required to provide details about the nature of your business, such as the products or services offered and the target market. It is important to ensure that all the information provided is accurate and up-to-date, as any discrepancies or omissions may result in delays or rejection of your application. By carefully completing the application form, you can increase your chances of successfully acquiring a free business bank account, which will provide you with the necessary financial infrastructure to manage and grow your underwater photography business effectively.

Submitting the application

Submitting the application is a crucial step in obtaining a free business bank account for your underwater photography business. It requires careful attention to detail and an entrepreneurial mindset. To successfully submit the application, it is important to gather all the necessary documents, such as proof of business registration and identification. Additionally, it is recommended to highlight your entrepreneurial mindset by showcasing your business plan, demonstrating your passion for underwater photography, and explaining how you plan to grow your business. By emphasizing these key aspects, you can increase your chances of approval and secure a free business bank account for your underwater photography business.

Managing Your Free Business Bank Account

Setting up online banking

Setting up online banking is an essential step in obtaining a free business bank account for your underwater photography business. With the convenience of online banking, you can easily manage your finances from anywhere, at any time. To get started, you will need to choose a reputable bank that offers online banking services. Once you have selected a bank, you will need to provide the necessary documentation and complete the online application process. This may include submitting your business registration documents, identification, and proof of address. Once your application is approved, you will be able to access your business bank account online and take advantage of the various features and benefits offered by online banking, such as convenient fund transfers, online bill payments, and real-time account monitoring. By setting up online banking, you can streamline your financial management and ensure the smooth operation of your underwater photography business.

Tracking income and expenses

Tracking income and expenses is an essential aspect of managing any business, including underwater photography. By accurately monitoring the flow of money in and out of your creative platform, you can gain valuable insights into the financial health of your business. This information allows you to make informed decisions, identify areas for improvement, and ensure the profitability and sustainability of your underwater photography venture. Whether it's tracking revenue from photo sales, monitoring expenses related to equipment maintenance and travel, or keeping tabs on client payments, an effective system for tracking income and expenses is crucial. With the right tools and processes in place, you can streamline your financial management and focus on what you do best: capturing breathtaking underwater moments.

Utilizing banking features and tools

When it comes to managing your underwater photography business, utilizing banking features and tools can greatly simplify your financial transactions. One of the most important features to consider is a free business bank account. With a free checking account for Mercados de Agricultores, you can enjoy numerous benefits such as no monthly maintenance fees, unlimited transactions, and online banking access. This account is specifically designed for businesses in the underwater photography industry, providing tailored services and solutions to meet your unique needs. By opening a free business bank account, you can streamline your financial operations, track your expenses, and easily manage your cash flow. Additionally, the account offers advanced tools and features to help you monitor your business finances, such as mobile banking, e-statements, and merchant services. With a free checking account for Mercados de Agricultores, you can focus on growing your underwater photography business while enjoying the convenience and cost savings of a dedicated business banking solution.

Maintaining Compliance and Security

Understanding legal and regulatory requirements

Understanding legal and regulatory requirements is crucial when it comes to setting up a free business bank account for your underwater photography business. As a small business owner, it is essential to comply with the financial services regulations that govern the operations of businesses like yours. By understanding the legal framework and regulatory requirements, you can ensure that your business operates within the boundaries of the law and avails itself of the various financial services available for small businesses. This includes accessing specialized banking services tailored to the unique needs of your underwater photography business. By adhering to the legal and regulatory requirements, you can confidently navigate the financial landscape and establish a free business bank account that supports the growth and success of your venture.

Protecting your account from fraud

Protecting your account from fraud is crucial for the financial security of your underwater photography business. As a business owner, it is your responsibility to implement effective measures to safeguard your business bank account. One of the first steps you can take is to regularly monitor your account activity and promptly report any suspicious transactions to your bank. Additionally, consider setting up strong and unique passwords for your online banking access, and enable two-factor authentication for an added layer of security. It is also advisable to educate yourself and your employees about common fraud techniques such as phishing scams and social engineering tactics. By staying vigilant and implementing these preventive measures, you can minimize the risk of fraud and protect the financial well-being of your business.

Regularly reviewing account activity

Regularly reviewing account activity is crucial for the smooth operation of any business. It allows business owners to stay informed about their financial transactions and identify any discrepancies or unauthorized activities. This practice is especially important for payment processing for travel agencies, as they deal with a high volume of transactions and need to ensure the security and accuracy of each payment. By regularly reviewing account activity, travel agencies can detect any fraudulent transactions, resolve any payment disputes, and maintain the trust and confidence of their clients. It is recommended that travel agencies implement robust monitoring systems and utilize secure online banking platforms to streamline the review process and enhance the overall efficiency of their payment processing operations.

Conclusion

The importance of a free business bank account

A free business bank account is of utmost importance for any entrepreneur, especially those running a specialized business like underwater photography. It provides numerous benefits and safeguards the financial health of the business. Firstly, a free business bank account offers a dedicated platform to manage all financial transactions related to the underwater photography business. This ensures that personal and business finances are kept separate, maintaining transparency and facilitating accurate bookkeeping. Additionally, having a free business bank account allows for easy tracking of income and expenses, enabling the business owner to assess the profitability and make informed financial decisions. Moreover, it enhances the professional image of the business, as clients and partners perceive a dedicated business bank account as a sign of reliability and credibility. Lastly, a free business bank account offers access to various banking services tailored to the needs of entrepreneurs, such as business loans, merchant services, and financial advice. In conclusion, the importance of a free business bank account cannot be overstated for underwater photography businesses, as it provides financial stability, credibility, and access to essential banking services.

Tips for finding the right bank

Finding the right bank for your jewelry business is crucial for managing your finances effectively. Here are some tips to help you in your search. First, consider the specific needs of your business. Look for a bank that offers specialized services for jewelry businesses, such as merchant services and inventory financing. Second, compare the fees and charges of different banks. It's important to find a bank that offers competitive rates and low fees. Third, consider the convenience and accessibility of the bank. Look for a bank with a wide network of branches and ATMs, as well as online banking options. Finally, don't forget to read reviews and gather feedback from other jewelry business owners. Their experiences can provide valuable insights and help you make an informed decision. By following these tips, you can find the right bank that will support the financial needs of your jewelry business.

Taking advantage of banking services for business growth

Taking advantage of banking services for business growth is crucial for the success of your underwater photography business. One key aspect of this is getting a free business bank account. By having a dedicated bank account for your business, you can separate your personal and business finances, making it easier to track your expenses and manage your cash flow. Additionally, a free business bank account often comes with added benefits such as lower transaction fees, access to business loans, and specialized financial tools tailored to the needs of small businesses. To get started, consider researching different banks that offer free business bank accounts and compare their features and requirements. By choosing the right bank and taking advantage of their banking services, you can set a solid foundation for the growth and financial stability of your underwater photography business.
In conclusion, Square is the ultimate solution for powering all the ways you do business. With Square, you can sell anywhere, diversify revenue streams, streamline operations, manage your staff, and get paid faster. Sign up for Square today and experience the power of a comprehensive business management platform.

CompTIA Stackable Certifications: A Clear Path to IT Success
CompTIA, a leading provider of vendor-neutral IT certifications, offers a unique stackable certification program that allows IT professionals to demonstrate their expertise and advance their careers. The program is designed to help individuals build a strong foundation in IT and specialize in specific areas, such as infrastructure and cyber security.
Note: If you are unable to pass your CompTIA Certification Exam, get paid help from Online Helpers at Hiraedu!
Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: info@hiraedu. com
(Only if you need it and willing to pay)
Infrastructure Career Pathway
The Infrastructure Career Pathway is ideal for IT professionals who want to demonstrate their knowledge and skills in IT operations, hardware, software, and networking. This pathway consists of three levels:

1. CompTIA IT Fundamentals+ (Specialist): This entry-level certification covers the basics of IT and is a great starting point for those new to the industry.
2. CompTIA A+ (Professional): This certification covers a wide range of IT topics, including hardware, software, networking, and security.
3. CompTIA Network+ (Professional): This certification focuses on networking concepts, protocols, and technologies.
4. CompTIA Server+ (Professional): This certification covers server installation, configuration, and management.
5. CompTIA Data Center Specialist (Expert): This certification demonstrates expertise in data center operations, management, and maintenance.

Cyber Security Career Pathway
The Cyber Security Career Pathway is designed for IT professionals who want to specialize in cyber security and demonstrate their knowledge and skills in this critical area. This pathway consists of three levels:

1. CompTIA Security+ (Specialist): This certification covers the basics of cyber security, risk management, and incident response.
2. CompTIA PenTest+ (Professional): This certification focuses on penetration testing and vulnerability assessment.
3. CompTIA CASP+ (Professional): This certification covers advanced security concepts, risk management, and enterprise security architecture.
4. CompTIA Cyber Security Analyst (CSA+) (Expert): This certification demonstrates expertise in cyber security analysis, threat management, and incident response.
5. CompTIA Security Analytics Expert (SCE) (Expert): This certification covers security analytics, threat hunting, and incident response.

Benefits of CompTIA Stackable Certifications
CompTIA stackable certifications offer numerous benefits, including:

• Clear career progression: Each pathway provides a clear and defined career progression, helping IT professionals advance their careers.
• Specialized knowledge: Stackable certifications demonstrate specialized knowledge and skills in specific areas, such as infrastructure and cyber security.
• Industry recognition: CompTIA certifications are widely recognized and respected in the IT industry.
• Improved job prospects: Stackable certifications can lead to better job prospects and higher salaries.

CompTIA stackable certifications provide a clear path to IT success, helping professionals demonstrate their expertise and advance their careers. By following the Infrastructure or Cyber Security Career Pathway, IT professionals can gain specialized knowledge and skills, improve their job prospects, and increase their earning potential.

I have a forex trading system that trades a basket of currency pairs. Each pair has a unique risk associated to it, based primarily on a ratio of profit / risk, where both values are expressed in dollars ($).
Not all trades taken by this system are equal. In general, higher risk equates to higher reward. Some trades experience relatively higher drawdowns than others, and typically these trades yield greater profit as a result. Some pairs, however, seem to yield less profit for the amount of risk assumed. And finally, some pairs experience large drawdowns more frequently than others.
Given this variability, I believe a simple ratio of total profit / total risk, applied on a pair by pair basis, can become more accurate by weighting it with either magnitude of risk on trades in excess of a given threshold (e.g. standard deviation from the mean), or frequency of trades taken by a pair that experience drawdowns in excess this threshold, or perhaps some combination thereof.
I'm a trader, not a mathematician, and am hopeful to gain feedback on these ideas from this community. Specifically, whether the notion of weighting a risk / reward ratio in the manner described makes sense and, if so, what you can suggest towards that end.
I have attached a Google Sheet in which I've started some of these calculations. I have shared it in the event that seeing the dataset helps clarify what I've described. I'm not looking for guidance on Google Sheet functions -- just want to include this caveat, given the focus of this group.
Column X has a figure labeled 'Risk Factor'. This ultimately is the weighted metric I seek to create. I do not think the current approach to generating this value is correct, but again share to help clarify my goal.
Thank you
https://docs.google.com/spreadsheets/d/1PQyjlgr83qENK-gMsdFBycjxJ3p0DbiUXnV4s4W-A7A/edit?usp=sharing

Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
ACADEMIC TASKS MY TEAM AND I CAN COMPLETE:

• Entire Degree Programs
• Full Online Classes (1 - 20+ Weeks Long)
• Proctored Exams Quizzes Tests
• Homework Assignments
• Research Papers Term Papers Essays
• Projects & Labs
• Discussion Posts
• Annotated Bibliographies
• Employment Assessments
• Certification Programs

MY TEAM'S CLASSES OF EXPERTISE:

• Statistics: AP Statistics Biostatistics Business Statistics Elementary Statistics Intro to Statistics Psychology Statistics Social Science Statistics Statistics & Probability Statistical Methods Statistical & Probability Models
• Math: Advanced Functions Algebra Calculus 1, 2, 3 (and 4 in some schools) Vector Calculus Differential Calculus Integral Calculus Multivariable Calculus Differential Equations Discrete Math Discrete Structures Finite Mathematics Functions Geometry Linear Algebra Precalculus Probability Real Analysis Statistics Trigonometry Quantitative Methods & Reasoning
• Science: Anatomy & Physiology Astronomy Biochemistry Biology Chemistry (General, Inorganic & Organic) Dental / Pre-Dental Earth Science Engineering (Almost All Types) Environmental Science Epidemiology Fluid & Mechanics Geology Geophysics Medicine / Pre-Med Microbiology Neuroscience Physics Physical Science
• Business: Accounting Auditing Banking Business Administration Business Law Corporate Finance Cost Accounting Econometrics Economics Finance Financial Institutions Financial Reporting Global Economics Governance International Economics Macroeconomics Management Marketing MBA Courses Mergers and Acquisitions Microeconomics Operations Management Principles of Accounting Real Estate Taxation
• English: Business Writing Creative Writing Critical Reading Digital Media Eastern Literature English Literature Essays Expository & Persuasive Writing Fiction Writing Greek and Roman Philosophy Grammar Poetry
• Humanities & Social Sciences: Architecture Anthropology Art History Communication Criminal Justice Forestry Ethnic Studies Film History Law Pre-Law Music Philosophy Political Science Psychology Psychiatry Religious Studies Sociology Theology Women Studies
• Computer Science & Programming: Android AWS Azure Blockchain Cryptocurrency Smart Contracts C C# C++ Cloud Computer Organization and Assembly Languages CSS Data Science Data Structures and Algorithms Deep Learning Design Patterns Game Design and Development iOS Java Javascript Machine Learning MATLAB MySQL Networking NoSQL Object Oriented Programming Operating Systems PHP Principles of Computer Science Programming for Virtual Reality Programming Languages Python R Robotics Ruby Software Engineering SQL Swift Web Development

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• Acellus ALEKS Aplia APEX Learning Badgr Blackboard Blink Learning Brightspace / D2L Canvas Cengage CengageNow Childsmath Cisco ConnectMath Connexus CPM Crowdmark EViews Edmentum Examity Excel Garch Google Classroom Google Education Gradescope Hawkes Learning Honorlock iClicker InQuizitive (Norton) Java Kaltura Khan Academy Knewton Kryterion LaunchPad MATLAB Maple MasteringChemistry MasteringPhysics MathXL Mathematica McGraw-Hill Connect MegaStat Microsoft Teams Microsoft Access, Word, Excel, PowerPoint Mindtap Minitab MonitorEDU Moodle MyAccountingLab MyEconLab MyFinanceLab MyITLab MyMathLab MyOpenMath MyPsychLab MySocLab MyStatLab NCSS Outlier Pearson MyLab and Mastering Piazza PlatoWeb Prezi Proctor360 Proctorio Proctortrack Python R Respondus Lockdown Browser with Webcam SAM Sapling SAS SPSS Socrative Stata StraighterLine Turnitin VoiceThread WebAssign WebEx WebWork Wiley WileyPlus Zoom

TOP 20 REASONS WHY I'M THE MOST LEGIT EXAM, HW, ONLINE CLASS TUTOR ON REDDIT:

1. U.S. Citizenship Status: I have native-born U.S. citizenship status, an 100% authentic & natural U.S. American accent, and a verified New Jersey, USA residence. I can speak on the phone professionally in both perfect native U.S. English and fluent Canadian English.
2. U.S. 212 Phone Number: I have a verified U.S. American business phone number with the prestigious 212 area code (212-380-1856 - Ext 3) that can both send & receive phone calls, texts, voicemails, photos, and website links.
3. Social Media Verified: I have an active & verified online social media presence with my name and contact info regularly showing up on all major search engines including: Google, Yahoo, and Bing.
4. Professional Website: I have a professional, well-designed, well-written, 100% secure SEO-optimized WordPress business themed website: Hiraedu.com
5. Team of U.S. Academic Experts: I and my team of dedicated academic experts complete all types of academic coursework for students in most math, English, science, business, humanities, social Sciences, computer programming, and foreign language classes on a 24/7/365 full-time round-the-clock basis. This is not some part-time gig for me. It’s literally my primary source of income. I can regularly make myself available to help students with last-minute & same-day academic requests.
6. Essay Writing Skills: I can write essays & research papers in native U.S. American English and fluent Canadian English using APA MLA Harvard Chicago Vancouver OSCOLA IEEE formatting & citations.
7. 75+ Types of Academic Software: I am highly skilled & experienced in using over 75+ types of academic software and educational platforms including the following: ALEKS, Blackboard, Brightspace, Canvas, Cengage, WebAssign, ConnectMath, Crowdmark, D2L, Moodle, Pearson MyLab and Mastering, MyMathLab, MyStatLab, MyOpenMath, StraighterLine, WebWork, and Wiley.
8. Can Change IP Address: I have multiple reliable VPN software including: NordVPN, SurfShark & ExpressVPN that allows me to successfully change my computer’s original New Jersey IP address to any major city in the U.S. & Canada to avoid raising red flags with students’ online class software.
9. Proctored Exam Help: I have developed multiple highly effective methods of helping students with exams, tests, and quizzes that are proctored by software like: Respondus Lockdown Browser with Webcam, Honorlock, Examity, Proctorio, Proctor360, Proctortrack, and ProProctor using 3 highly effective proven methods. Option 1 - WhatsApp: I use WhatsApp to have the student discreetly text me photos of the exam questions outside of the webcam’s view and I text them the correct solutions to the exam questions. Option 2 - Screen Share: Using screen share software like Zoom to see the student’s screen displaying the exam questions and I text the correct solutions. Option 3 - Remote PC Access & Control: Using remote computer access software like to control the student’s mouse and keyboard from my own computer.
10. Study Help Apps: I have over 15+ paid subscriptions to a wide range of study help apps, software, websites, and programs to help me solve exam & homework questions faster and more efficiently. Some of these resources include: Brainly, Chegg, CourseHero, Quizlet, SymboLab & WolframAlpha.
11. Calculators & Math Software: I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
12. Test Taking Techniques: I have developed highly effective methods to determine the correct answers to questions that I’m not already familiar with including process of elimination, working backwards, quickly searching for similar questions online, and utilizing standardized test taking techniques taught only in elite standardized test prep tutoring programs.
13. Handwriting & Scanning Apps: I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, and PDF formats.
14. Flexible Payment Methods: I offer negotiable rates, multiple payment methods (PayPal, Venmo, Cash App, Zelle, anonymous credit & debit card payments via online invoice), and flexible payment plans: weekly (most expensive), monthly, half-now / half-later, and all-up-front (least expensive).
15. Money Back Guarantee: I have won multiple academic awards for my exceptional skills & expertise in math. I guarantee overall A & B grades for all coursework completed. Plus. I also offer a 50% refund for C+, C, and C- scores, and a full 100% refund for D+, D, D-, and F scores.

HOW I CALCULATE FINAL RATES:

• Exams & Quizzes: Final rates for exams and quizzes depend on various factors including: whether or not there is proctoring, how many hours the exam is, total number of questions including sub-parts, preferred method of me delivering solutions, whether it's show all work or just the answer only, and whether the assessment has a flexible window of time to complete or a fixed & rigid start and end time.
• Full Courses: Final rates for full class help depend all the foregoing plus: total number of hw, quizzes, exams, discussion posts, and other academic tasks left that need to be completed, total number of weeks or modules left in the class to complete, and whether there is required multi factor authentication for logging in like Duo Push or text passcode.
• Essays Papers Discussion Posts: Final rates for writing tasks depend on the required number of words or pages. topic of interest, type of citations, required number and type of sources & bibliography style , level of research required, and type of additional software required to complete the essay like: Excel, R, or Minitab.

ABOUT MY RATES & PAYMENT OPTIONS:

• Rationale for My Rates: I sincerely believe my rates are more than fair considering my education, skills, native born U.S. resident status, legitimacy, and the substantial amount of value, stress relief, and saved time & energy I’d be providing you in exchange for my valuable, irretrievable time, energy, and effort.
• Disclaimer About Rates: Completing someone else's exam, essay, or homework assignment is obviously NOT something you can just freely ask anyone to do, especially on the internet. Therefore, such help should be well-compensated. Services that are reliable and deliver high-quality results are difficult to find and are very high in demand. Thus, I expect to be compensated fairly for all the value, stress relief, and saved time & energy my services provide. However, I may be willing to negotiate rates if necessary.
• Payment Methods: I accept PayPal (required for all Canadian students), Venmo, Zelle, Cash App, and anonymous credit & debit card payments via online invoice.
• Payment Plans: I offer the following payment plans for my services: weekly (most expensive), monthly, half-now / half-later, and all upfront (least expensive).
• Money Back Guarantee: I guarantee the following grades for coursework completed: A+. A, A-, B+, B. and B-. However, I offer a 50% refund for C+, C, and C- grades, and a full 100% refund for D+, D, D-, and F grades.

CURRENT RATES -- AS OF SUMMER / FALL 2022 -- SUBJECT TO CHANGE:

• Full Class Help Rates: $595 – $2495 USD
• Exam & Test Help Rates: $150 – $350 USD
• Quiz Help Rates: $60 – $180 USD
• HW Assignment Help Rates: $60 – $420 USD
• Essay & Paper Writing Help Rates: $19 – $29 USD per 300 words

THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• Engage in a Telephone interview: Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, and accent. I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• Provide Telephone References: Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
At the risk of sounding arrogant, I consider myself to be at least marginally more intelligent (both academically & socially) than the average person. Therefore, if I ever decided to suddenly risk prison time, risk my reputation, and risk enduring the wrath of modern-day “cancel culture” by scamming people out of their money:

• Not Worth the Money: I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
• Most Students are Broke: I certainly wouldn’t choose high school & college students as my “target audience” to scam, considering that most people without college degrees have abysmally low annual incomes.
• Waste of Time & Energy: Communicating back and forth with potential clients is an absurdly long time sink since only less than 10% of all potential clients who reach out to me actually become paying clients of mine.
• All My Payment Apps are Still Active: If you pay me to provide academic services and I don’t deliver, you can always dispute the payment with the payment app and easily get your money refunded. If I were in the habit of swindling money from people, then all of my payment accounts would have been investigated and be completely shut down by now.

If you are unable to pass your AWS Certification Exam, get paid help from Online Helpers at Hiraedu!
Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
CONCLUSION:

• My Mission: Thank you for taking the time to read my Reddit post. I take what I do very seriously and I always strive to get the highest possible grades for all students who entrust me with their coursework.
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• Humanities: Communications (Comm) English Literature Essay & Term Paper Writing, Editing, Proofreading Essays History Papers Philosophy (Phil) Religious Studies Theology (Theo)
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• I take my work as a tutor very seriously, and I always aim to do my best to help my students excel in school. I have a solid and sincere passion for academic achievement, and with my help, I am positive that I can help students obtain very high grades with minimal stress and effort.
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Hi all,This year I moved to a new school after 7 years in a previous school (Catholic college - primary and secondary). I left due to 2 colleagues I once admired, respected, enjoyed working with and called friends either bullying, excluding and/or undermining me in front of my students and theirs across the whole school year.Moved to a new school (Catholic and systemtic) and am finding many of their ways of operating very foreign, adding to my work and time and am constantly frustrated by lack of consistency, lack of standards and zero acknowledgement of my noticeable student progression and improvement since my arrival.
A few factors that are frustrating and aggravating:
-Apart from myself and one other staff member, ALL other staff (teachers, Teacher Assistants, the Deputy, office admin, specialists) are ALL part-time in the primary campus. In and of itself this is not a problem, however it leads to a lack of consistency and stability for me as I am constantly playing catch-up due to the rotating nature of the year-level team. It affects student behaviour (not so much mine, but the other classes) due to no consistency with teachers. Seems to be a high level of rotating teahers on LSL (short stints) and staff on and off from parental leave. No staff nmeeting I have been to yet has had all staff there.
-Behaviour of students is atrocious when compared to other schools in the area and previous schools from my decade + experience. Students are verbally rude, cannot settle and focus and there are often physical altercations in the playground. I've spent a term and a half really breaking down behaviour expectations, routines and standards. I am making progress, but there is so much stacked against us.
-Parent copmmunity is INTENSE. Moreso than I have ever experienced. Teachers are consistently told their "tone"when talking to parents is rude/negative/insert critique here, parents are constantly emailing teachers to complain about other children and flat out ignoring any and all comunication about their own child. When I asked leadership about this, the reasoning given is either, "Parents at this school have always been like this" or "It's the culture of the area. We get families from all over"meaning the greater metropolitan area. I persoinally do not think this argument holds up as previous schools I've been at have accepted students from relatively large areas in terms of distance.
-EVERYTHING is done as a team." While this sounds great on the face of it, it adds so much to personal workloads when reporting, individual lesson planning, unit planning, NCCD work, resouirce development and/or sourcing, sending emails to parents, responding to emails from parents and more all has to be done as a committee of 7 people. Nothing gets done efficiently or within a desired timeframe.
-Classes - For each year level (double-stream), we routinely mix and match students. Not just for programs (e.g. Spelling) but for ALL subjects and curriculum areas. This means that in theory, I have a class of 31 (e.g. my roll call list), however in any given lesson I could be receiving students from the next-door class. Sometimes the classes stay the same (students) but we (teachers) swap. This makes assessing and reporting a nightmare, as it is unproductive, inefficient and there is no consistency.The reason for this has nothing to do with student learning, outcomes or development. It occurs "to stop parents complaining about which teacher they do/do not get for their child," "to stop parents emailing and complaining about if child x or y is in their child's class."It also means that due to the way the "team-teaching" works, I will never teach certain subjects (e.g. Science or Geography) this year. I have been given subjects the other teachers on Year 5 do not want: Religion, History for example
-Students miss out on opportunities for growth, e.g. in Science as we need to fill out risk assessments for items like using the school oval outside of lunch times and for simple, basic Science experiments (e.g. mixing two liquids - liquids that are not hot, cold). EVERY science experiment of any category needs a risk assessment.I came in so excited about subjects like Science... no more. Can't take the class outside for a brain break as we'd have to book the oval and fill out a risk assessment.
-Class sizes are 31+ and the school has a high volume of EAL and students with various diagnoses. In a class of 31, 20+ are either EAL and/or have a diagnosis (e.g. autism, ADHD, etc)-Zero autonomy. I have to go through 3 supervisors just to respond to a parent email (even if it is wholly positive), I am told what kind of visual aid posters I can/can't have in my room (e.g. a times table chart or a poster on English contractions).
-Release time a joke. I have to sit in my class cupboard as this is the only place in the school that is:--Free of gossiping staff--Free of staff talking in general--The only place staff and/or students will not interrupt me.-Staff are friendly (cheerfully greeting/seeing how my day is/was, seeming interested in me as a person and educator) but there is so much gossip about each other and parents/families. I could go to a staff member with a purely work-related question (e.g. planning or how a school process works) and the conversation almost always ends up being twisted to a poorly behaved student/complaining/gossiping. Even after I have point blank made it clear I do not engage in gossip and find it fractures teams/colleagues and do not have the time for it.
-Multiple duties each day of the week (as we are únderstaffed'' - same as every other school in Australia)-Duty roster (playground) changes every single week due to the high volume of absent staff, staff with multiple roles, etc So no stability or consistency there either.-Foced to pay money into a school social club each week for amenities (e.g. milk/coffee/biscuits) which I never use in a staffroom I never visit or for gifts of departing/retiring/staff going on parental leave.... Yet every time a staff member fits these categories, we get emails from leaders asking if we would like to choose to put towards a gift.... so unsure why I was told the social club goes to gifts. Tried getting out of it in writing (I pay more being one of the few full-time staff) only to be told, "In your contract, you signed that you will be paying money into the social club." Nothing in my contract at all, and I asked the state union to have a look just in case I am blind and having a man's look. They too clearly stated there is nothing in there.
My question is, after 7 years in a school I enjoyed (apart from the aforementioned 2 colleagues changing how they interact with me) is this the norm in Australian Catholic schools (primary and/or combined primary/secondary colleges). I used to be so effective, productive and built strong and positive student relationships. I am now ineffective, unproductive, my time and experience is wasted and my experience seems to be for naught.
*Is this the new normal?
*Is anyone else so utterly heartbroken, soul-crushed and demoralised (and I guess, angry and frustrated) by red tape/inefficiency/unproductiveness, etc?
Any thoughts? Cheers, legends.

This is long so please, bear with me po.
I have this friend na 5 years+ ko na kaibigan, actually more like trio kame, silang dalawa nalang talaga napagsasabihan ko ng burdens in life since my online bestfriend cut me off due to private reasons. Dati, pinagtatawanan ko pa yung mga trio na hindi nagwowork, kasi sa pov ko, bakit kako kami okay naman. That's what I thought.
Recently, nalaman ko na binabackstab na pala nila ako. Sobrang dami kong nalaman, dahil sa acc niya mismo ko nabasa. I was so hurt, para kong nahuli na nagchcheat yung boyfriend ko, ganoon yung feeling. Sila nalang talaga friends na meron ako, since hindi rin naman ako friendly talaga and nalalabas ko lang yung pagiging outgoing ko when I'm with them. I never thought na magagawa niya, nila sa akin yon just because I asked them to be clean and organized sa apartment namin since roommates kami. Actually, apat kami sa apartment, yung isang closest friend ko and dalawang friend na rin pero hindi ganon kaclose.
Napuno na kasi talaga ako sa kadugyutan at pagiging marumi nila, pinaglilinis ko lang naman sila ng spaces nila since nagkaroon na rin ng daga apartment namin dahil sa mga nabubulok nilang groceries sa kusina namin. Ako na nga madalas naglilinis, kaya nag-aask nalang ako ng favor na maging masinop manlang sa paggamit ng mga paglulutuan. Kahit simpleng pagbubuhos ng cr minsan hindi pa nagagawa. Iniintindi ko busy sched nila since i dropped my majors at ako nalang ang mas marami free time. Pero sana 'di ba, kapag may free time sila, magwalis manlang, kasi ala pa naman 10mins kung magwawalis sa apartment namin dahil hindi naman sobrang laki. Kaya I decided na pagsabihan na sila, dahil pare-pareho naman kami nakatira ro'n at matatanda na rin naman kami, saka who wants to live sa marumi na place?
So nung naopen ko acc ng friend ko, maglologout na sana ako kaso biglang nagpop-up yung isang gc na silang tatlo lang kasama, mga roommates ko. Ang dami nila sinasabi about sa'kin, na hindi raw ba ako nahihiya na lagi lang ako nakatambay sa apartment tapos sila nag-aaral. Pumapasok naman ako, saka ano bang gusto nilang gawin ko habang nag-aaral sila, mag-aral din? e hindi rin naman kami same courses at lalong di ko naman sila pinapakealamanan sa mga businesses nila. Nabasa ko pa na sinasadya nilang i-out of place raw ako, kasi parehas silang tatlo ng courses, and yung akin malayo. Meron pang sinabi na malandi raw ako, bulakbol, pariwara etc. Sobrang daming sinabi na hindi ko inexpect na masasabi nila towards me, kahit na nagkwento naman ako sa kanila ng struggles ko, kung ano nafefeel ko since nagdrop ako ng majors. Tapos yung isang ka-trio namin, sobrang bait niya for me since siya yung inosente sa paningin ko, and never ko naisip na may ganon siya na side.
I am moving out na this summer, and planning to cut them off completely. Sobrang na-hurt ako sa mga sinabi nila, sobrang dami ko pa gusto idagdag pero masyado na mahaba. I completely lost it. Nasa lowest point na ako ng life ko ngayon na hindi ko na alam sinong pagsasabihan ko. Sobrang sakit lang, I treated them like a family, lalo na si close friend. Kahit marami nagsasabi na layuan ko siya, nag-stay pa rin ako. Hanggang ngayon kinkwestyon ko pa rin sarili ko, kung anong nagawa ko sa kanila and they stoop that low. Sobrang sakit, hindi ako makapaniwala na magagawa nila sa'kin 'yon.

Hi, apologies for the long post. Please note I’m already working with our regular vet but I am seeking advice from others. My 10 year old staffy recently had a small pink growth removed from her bottom jaw/gum and sent off for histo. The results aren’t necessarily conclusive as you’ll see below. My questions are, if the radiographs are clear, what if it’s too early for bone lysis to be present anyway? Would you recommend follow up scans and if so, how long should I wait? What kind of risk am I putting my girl in by assuming if there’s no bone lysis that this growth is benign? The downfall is that if it is a SCC, she would require a mandibulectomy so putting her through that on a “could be this, could be that” scenario is extremely drastic. We already sent the whole external growth off so it’s not as though we can send more tissue for testing without removing bone anyway. I’m just very anxious and don’t want to miss anything or put my girl at further risk. This is a photo of the growth and below is the histo report.
Any advice is greatly appreciated. Thank you so much for taking the time to read this!
Histology 1 Tissue HISTOPATHOLOGY
10/05/24 INTERPRETATION: Moderate squamous cell hyperplasia and dysplasia with pyogranulation tissue
Pending: Deeper sections to further exclude squamous cell carcinoma
COMMENTS: The hisological atypia observed in chronically inflamed dysplastic squamous epithelium overlaps with the features of malignancy seen in squamous cell carcinoma, and deeper sections are pending to further exclude this possibility. If you could possibly submit gross images or provide additional history regarding the site, appearance of lesions, presence or absence of underlying bone lysis in ……. lesions
HISTOPATHOLOGIC DESCRIPTION:
The tissue has a hyperplastic epithelial surface with invaginating trabeculae of squamous epithelium lined by moderately dysplastic cells showing anisokaryotic vesicular nuclei with 1-2 prominent nucleoli and increased mitoses (up to 5 per 400X HPF). There is a core of markedly reactive fibrovascular granulation tissue that is heavily infiltrated by neutrophils.
Addendum:
13/05/2024
INTERPRETATION: Emerging squamous cell carcinoma vs focal fibrous hyperplasia with marked dysplasia
COMMENTS:
Thank you for the additional history that this is a single small gingival mass, with other skin masses removed but not submitted at this Histologically the dysplasia in this lesion (multifocal suprabasal mitoses, prominent multiple nucleoti) raises concern for emerging squamous cell carcinoma and clinical correlation is required, possibly including detailed dental radiographs to assess for any evidence of underlying bone lysis to further exclude the possibility of an emerging squamous cell carcinoma.
The differential diagnosis is focal fibrous hyperplasia with dysplasia caused by inflammation (inftamed fibrous epulis) is a common benign hyperplastic growth on the gingiva of dogs which when localised, appears as a discrete, tumour-like mass. Focal fibrous hyperplasia may arise as a result of chronic gingival inflammation or irritation. Periodontal disease may be a predisposing factor. The presence of neutrophils may suggest secondary bacterial infection.
Both lesions may recur following incomplete surgical excision but fibrous hyperplasia should not result in bone lysis.
HISTOPATHOLOGIC DESCRIPTION: Deeper sections show similar changes with a core of moderately cellular fibrous connective tissue overlain by markedly hyperplastic gingival epithelium that in places forms nests within the fibrous core, with a mixed, often neutrophillic, inflammatory reaction