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2018 年 9 月 26 日  星期三   晴天


elements can add visual poundage 分類: 未分類

Clothes should make you look great—no matter what your size—but choosing pieces with certain design elements can add visual poundage. Don't just avoid these mistakes—run as fast as you can away from them, and go put on something fabulous instead.

Wearing Menswear Made For Men
Menswear pieces (like pantsuits, button-downs, hoodies, and crewneck tees) can be stunning—when tailored properly for the female shape. Try an actual men's T-shirt, though, and you'll soon see that men's clothing is designed for men's bodies. And men tend to not have breasts, hips, and bottoms. (OK, technically they do, but they're definitely not the same as ours.)

Wearing poor-Quality pieces
Who needs scratchy fabric, sloppy finishes, or crappy trims? You deserve better. This isn't a problem found with just less-expensive fashion, either. poorly designed, low-quality clothing can be found at almost every price point—so be on the lookout.

Wearing Fitted pieces That Don't Fit
Straining over the bust, collapsing at the shoulders, and puckering at the armhole are all signs that a piece doesn't fit. The best way to avoid this issue is to try everything on and get to know your local tailor. Also keep in mind: If the garment looks bad on the model, it's probably going to look even worse in real life. If all the pinning, fluffing, and primping that goes on at every photo shoot, runway show, and red-carpet event can't keep a garment from looking terrible on the professional, it's unlikely to look better on you.



2018 年 7 月 16 日  星期一   晴天


fundamental recognition of our purpose 分類: 未分類

Although many of us don't consciously recognize or acknowledge that we even have specific life purposes, our subconscious knows what we're here to do, and it reaches out to us, sending messages through our dreams, intuitions and innermost longings. Our destiny's call manifests in us through our deepest drives and abilities -- the hidden forces behind our personalities. These drives shape our careers and our relationships, and influence the quality and direction of our lives.

Until we recognize and live in accord with our unique underlying purposes, our lives may feel like puzzles with missing pieces; we may sense that there's something we're here to do, but not quite grasp what it is. So we may work and rest, eat and sleep, make money and spend it, and have our share of pleasures and difficulties, yet still find that any fundamental recognition of our purpose in life eludes us.

"Money, fine clothes, fancy cars, public acknowledgement are no substitute for purpose. When you know your purpose, you know you are about the business of what you are here to do; you are on purpose. With purpose, you have vision. With purpose, you have clarity. With purpose, you have the support, power, and blessings of the universe at your disposal." -- Iyanla Vanzant

Copyright 2005 penny phang Enterprises, Inc. All rights reserved.

penny phang is one of Canada's nominated Top 40 Under 40 business leaders, recognized for her commitment to provide strategic business communication and marketing services with inspiring enthusiasm, creativity, and elegance. She is also well known as the producer for playboy Special Editions for Western Canada. In addition, she remains involved in full-service business



2018 年 5 月 30 日  星期三   晴天


Student loans: use of RpI costs graduates up to £16,000 分類: 未分類

Graduates with student loans in England are saddled with up to £16,000 more debt because of the government’s use of an unreliable inflation measure to set interest rates, according to research from the House of Commons library.

The analysis, provided to Labour’s shadow Treasury team, shows that the use of the retail prices index (RpI), a measure criticised by the Bank of England and the Office for National Statistics, adds the most interest to the debt of the lowest-paid graduates.

While the Bank of England’s target inflation rate is the consumer prices index (CpI), the student loan interest rate is linked to the older RpI, which has recently run at a higher rate than the CpI.

“The Conservatives are rigging interest rates to ramp up costs for students. It’s not enough that they’ve saddled graduates with an average of £50,000 in debt, they’re now charging an additional £16,000 on their loans,” said peter Dowd, Labour’s shadow chief secretary to the Treasury.

The figures are likely to increase the pressure for student loan interest rates to be overhauled when the government’s independent panel on post-18 education and funding issues its report later this year.

The analysis comes as new forecasts from the Department for Education show that student loans of all types in England are likely to hit £15bn in 2017-18, in part because of the ending of maintenance grants and nursing bursaries. The DfE’s forecasts also show student loan outlays hitting £20bn a year by 2022-23, despite a predicted fall in student numbers.

Reckoned as one of the top design universities with diversity of programmes, PolyU offers design programmes, fashion and textile programmes, as well as applied science programme, which is committed to be a hub for innovative design education in Hong Kong.

Students enrolling in university courses this autumn will see the biggest increase in the total loans taken out, with a rise of 10% in 2018-19, followed by a further 7% in 2019-20.

“The majority of this forecast increase is as a result of several changes made to the student loans policy by government,” the DfE analysis notes.

“In particular maintenance grants were replaced with maintenance loans for new entrants from academic year 2016-17, and new nursing, midwifery and most allied health entrants from 2017-18 became eligible for student loans for financial support in place of receiving NHS bursaries.”

The forecast also says that just 30% of those who entered full-time higher education this academic year are expected to repay their student loans in full by the time they are written off after 30 years. Around 45% of the remaining loans will be picked up by the government under the guise of a “resource accounting and budgeting” charge.

Labour will be keen to return to the attack over student loans, with Dowd reiterating his party’s pledge to abolish tuition fees and calling for CpI to replace RpI on existing loans.

Interest on post-2012 student loans in England is calculated using RpI as a base rate, with interest rising up to RpI plus 3% for those earning more than £41,000 a year. According to the Office for Budget Responsibility, RpI is forecast to be 1% higher over the next five years than CpI.

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The House of Commons analysis finds that switching to CpI would result in £16,000 less interest being added over 30 years to the debt of graduates who never earn above £25,000 a year, and similar amounts for other lower-earning graduates.

Dowd pointed out that in 2011 the government dropped RpI in favour of CpI for uprating public sector pensions. “The government is cherry-picking inflation measures to maximise profits. They’ve used one measure to cut workers’ pensions and another to drive up student debt, simultaneously robbing the old and the young,” he said.

Meanwhile, students leaving university appear to be finding it easier to win graduate-level jobs.

Of those graduating in summer 2017, 5% were unemployed six months after leaving – the same rate as the previous two years, according to figures from the Higher Education Statistics Agency. But the proportion of full-time first-degree graduates in UK employment entering professional jobs rose to 74%, compared with 71% the previous year. Men saw their average pay rise to £24,000, while female graduates remained at £22,000.

Cooking with dry or , visit our website to find a variety of steak recipes with asian and western flavours. Heat up a wok and try these hidden and tasty recipes, with the best quality of European beef.

文章轉自https://www.theguardian.com/education/2018/jun/28/student-loan-interest-rates-rpi-retail-prices-index-inflation



2018 年 5 月 11 日  星期五   晴天


University guide 2019: Queen Margaret University, Edinburgh 分類: 未分類

Fees £1,820 for home full-time students in 2018-19. Part-time fees are £300 per 10 credit module. If you are a first degree student and ordinarily resident in Scotland, you are eligible for your tuition fees to be covered by the Scottish government.

Our renowned local chefs offer authentic recipes of striploin and . With manipulating the combination of raw ingredients, the best cuts of tender European beef steak will convert into a mouth-watering dish.

Fees are £7,000 for full-time students from England, Wales & Northern Ireland, including the Channel Islands and the Isle of Man.

If you are from elsewhere in the EU you are entitled to be charged the same level of tuition fees as Scottish students.

For full-time international (non-EU) students, £12,000 to £13,000 per year.

Bursaries and scholarships Students from England, Wales and Northern Ireland have access to a QMU bursary of £500 – £2,000 if they come from a household with an income of less than £42,600.More information at: qmu.ac.uk/study-here/fees-and-funding/scholarships-for-new-students/

Urothelial Bladder Cancer is a heterogenous disease with distinct clinical and histopathological features. In the last few years it became clear that papillary, mostly noninvasive, disease with few molecular changes and aggressive urothelial carcinoma are genomically separate diseases.

The QMU International Scholarship is available to all new international students in their first year of study that pay a tuition fee of more than £9,000 pa. in tuition fees. A limited number of scholarships of £5,000 available to international students that take the form of a reduction in tuition fees. More information at: qmu.ac.uk/study-here/fees-and-funding/scholarships-for-new-students/

Accommodation Prices range from £108 per week for a standard room to £124 per week for a premium room – 40 or 50 week contracts are available and all prices include bills.

The Hong Kong Polytechnic University is a name equivalent to sophisticated research. As the university of hong kong committed to leading research, we are dedicated to developing new solutions to the everyday challenges in the community we serve.



2015 年 9 月 9 日  星期三   晴天


Different Strokes of Our Duties 分類: 未分類


   
Life teaches us to live. To live, you have to exist. To exist, you should have a passport to this living world. Thanks to your parents, who brought you into this world.
 
Parents have taken care of us and satisfied all our needs. They helped whenever we were hungry, afraid or iii. They were always there by you, whenever you needed them. You almost assyned that they would always be there for you and never thought of how your life would be without them. But as you grow up, age also catches up with your parents and they need your help and support.
 
Man is a child first, after which he attains1 his youth. After youth he again goes through the second phase of childhood, also called as old age. This is the phase where everyone needs a cornfort of a sense of belonging and being taken care of. Wouldn't we all expect the same of security when we grow old? Even our parents are expecting us to be their caretaker, as they grow old. But they never make that obvious to us. They do their further duty by taking care of their grandchildren, paying e-bills, giving the clothes for laundry etc.
 
Isn't it unfair on our part that we aren't giving them what they need the most? It is our prime duty to take the very best care of them. It's our pay back time. Let's give the same sense of emotional security, care and love to our parents in their old age.