5 Best Natural Hot Springs In Europe

Oceans, rivers, and lakes are not the only beautiful natural wonders that are worth planning a holiday around. We are naming our 5 Best Natural Hot Springs In Europe that are more than worth a visit with the help of Save A Train train tickets.

5 Best Hot Springs In Europe 1: Aix Les Bains Riviera Of The Alps, France

Aix Les Bains, Riviera of the Alps is a thermal city, berthed on the incredibly exotic and wide Lake Bourget. This is one of the 5 Best Natural Hot Springs In Europe and is found deep in the Savoie french area, famous for its Alps massif neighborhood. The presence of pure water, with many mineral virtues, all around the town, lead it naturally to this thermal tradition. This magical place really gives you the best of nature for your well being. In Aix les Bains Riviera des Alpes, the natural medicine and brimstone rich water combine to offer a true regeneration.

Geneva to Aix Les Bains Le Revard Trains

Lausanne to Aix Les Bains Le Revard Trains

Paris to Aix Les Bains Le Revard Trains

Bern to Aix Les Bains Le Revard Trains

Spa In Aix Les Bains Riviera Of The Alps, France

2: Terme di Saturnia – Tuscany, Italy

Easy to get there from just about anywhere in Europe with the help of Save A Train, Tuscany boasts one of the most idyllic hot springs in the world. So, there is no wonder it is on our list of 5 Best Hot Springs In Europe! With 500 liters of therapeutic water being pumped out of a volcanic crater every second, this spring water is completely pure. Thanks to the 99.5 degrees F water and the gorgeous Italian landscape surrounding it, there is no doubt you will slip into a deep state of relaxation this spring.

This thermal spa claims to have no equal anywhere in the world. Boasting water that is naturally potent, pure and rich in mineral salts. A gift of nature which fills the Spa pools as it flows from a spring dating back thousands of years.  Why not try it out for yourself?

Florence to Grosseto Trains

Perugia to Grosseto Trains

Viterbo to Grosseto Trains

Rome to Grosseto Trains

5 Best Hot Springs In Europe 3: Aqua Dome – Tyrol, Austria

Since the 16th century, people have been visiting Tyrol to benefit from the healing properties of its hot springs. Now you can enjoy massive baths and thermal pools filled with 90 degrees F to 97 degrees F warm thermal water. What makes this spring unique is its levitating thermal water bowls, filled with lights, massage benches, and whirlpools.

The eye-catching architecture of the Ursprung spa hall mirrors the beauty of nature in the surroundings. Wood, stone, light and – of course – water is part of the fantastic scenery. A total of 12 indoor and outdoor pools invite you to swim and let yourself drift away. The indoor pools are connected to the three striking outdoor pools on stilts through waterways.

Zurich to Innsbruck Trains

Salzburg to Innsbruck Trains

Vienna to Innsbruck Trains

Cologne to Innsbruck Trains

Best Natural Hot Springs In Europe Austria

4: Thermae Bath Spa – Bath, England

Hot Springs In Europe that is relaxing and historic? It sounds like a good way to tick some bucket list items in one go. In the heart of the city of Bath, you will find the Thermae Bath Spa. An award winning natural spa where you can now bathe in Britain only naturally warm, mineral-rich waters. Just as the Celts and Romans did over 2,000 years ago. It, however, continues to be home to Britain’s only natural thermal waters. Receive the ultimate relaxation experience. Visit this award-winning day spas mineral-rich waters warmed at 92 degrees F and carefully designed spa treatments.

Amsterdam To London Trains

Paris to London Trains

Berlin to London Trains

Brussels to London Trains

Best Natural Hot Springs In England

5 Best Hot Springs In Europe 5: Gellert Baths, Hungary 

We have saved the best for last in our books. If you want to feel like royalty, even for just a few hours, you should definitely visit Gellert Baths in Hungary capital, Budapest. In its embellished structure you will find large warm baths lines with roman pillars. These waters contain different components that are beneficial to healing arthritis and other orthopedic problems. Gellert Bath opened in 1918 offering medicinal water treatments using the same deep underground springs the Knights of St John used in the 12th century, and later on the Turks to feel the invigorating powers of the mineral-rich waters.

Ready to experience relaxation at its most unique? Then head on over to Save A Train and book a train ticket to any one of our pick of the 5 Best hot springs in Europe. 

#traveleurope #travelbytrain #traintrips #traintickets

Article source: https://metroactive.org/wordpress/2019/11/21/5-best-natural-hot-springs-in-europe/

Lowe’s Reports Third Quarter Sales And Earnings Results

MOORESVILLE, N.C., Nov. 20, 2019 /PRNewswire/ — Lowe’s Companies, Inc. (NYSE: LOW) today reported net earnings of $1.0 billion and diluted earnings per share of $1.36 for the quarter ended Nov. 1, 2019, which included non-cash pre-tax charges of $53 million further described below, compared to net earnings of $629 million and diluted earnings per share of $0.78 in the third quarter of 2018.  Excluding the impact of these charges, adjusted diluted earnings per shareincreased 35.6 percent to $1.41 from adjusted diluted earnings per share1 of $1.04 in the third quarter of 2018.

Lowe's Companies, Inc. Logo. (PRNewsFoto/Lowe's Companies, Inc.)

The $53 million non-cash pre-tax charges referenced above resulted from the company initiating a strategic review of its Canadian operations during the third quarter. This review led to long-lived asset impairments and a change to the Canadian leadership team in the third quarter. Based on the findings of the strategic review, in the fourth quarter, the company decided to take the following actions to improve future sales performance and profitability:

  • Close 34 underperforming stores in Canada;
  • Undertake a process to simplify multiple Canadian store banners to drive efficiency and reduce operational complexity;
  • Reorganize the corporate support structure across Canada to more efficiently serve stores; and
  • Rationalize the product assortment across the simplified Canadian store banners, to present a more coordinated assortment to the customer.

Additional pre-tax operating costs and charges of $175 to $225 million consisting of inventory liquidation, accelerated depreciation and amortization, severance and other costs are expected to be incurred in the fourth quarter of 2019, and have been reflected in the company’s updated GAAP business outlook.

Sales for the third quarter were $17.4 billion and consolidated comparable sales increased 2.2 percent. Comparable sales for the U.S. home improvement business increased 3.0 percent.

“We were pleased with the performance of our U.S. home improvement stores, which reflects a solid macroeconomic backdrop and continued progress in our transformation driven by investments in customer experience, improved merchandise category performance, and continued growth of our Pro business. Due to improved execution, we delivered strong earnings per share growth, and as a result, we are raising our adjusted earnings per share and adjusted operating income guidance for 2019,” commented Marvin R. Ellison, Lowe’s president and CEO.

1 Adjusted operating margin and adjusted diluted earnings per share are non-GAAP financial measures. Refer to the “Non-GAAP Financial Measures Reconciliation” section of this release for additional information as well as a reconciliation between the Company’s GAAP and non-GAAP financial results.

“Although we still have work to do, I am confident we are on the right path to build a better Lowe’s and generate long-term profitable growth. We are committed to the Canadian market and are taking decisive action to improve the performance and profitability of our Canadian operations.  We also have a detailed roadmap and a very experienced team in place to repair our Lowes.com business. As we enter the fourth quarter, we are building strong momentum in the U.S. and are well positioned to deliver strong topline performance, while also driving margin improvement and operational efficiency.  We are excited about the progress we’ve made and the opportunity that lies ahead.  I would like to thank our associates for their commitment and dedication to serving our customers and communities,” added Ellison.

Delivering on its commitment to return excess cash to shareholders, the company repurchased $835 million of stock under its share repurchase program and paid $428 million in dividends in the third quarter.

As of Nov. 1, 2019, Lowe’s operated 2,004 home improvement and hardware stores in the United States and Canada representing 208.9 million square feet of retail selling space.

A conference call to discuss third quarter 2019 operating results is scheduled for today (Wednesday, Nov. 20) at 9:00 am ET.  The conference call will be available by webcast and can be accessed by visiting Lowe’s website at www.Lowes.com/investor and clicking on Lowe’s Third Quarter 2019 Earnings Conference Call Webcast.  Supplemental materials will be available approximately 15 minutes prior to the start of the conference call. A replay of the call will be archived on Lowes.com/investor until Feb. 25, 2020.

Lowe’s Business Outlook

The company has updated its GAAP business outlook to reflect pre-tax operating costs and charges associated with its Canadian restructuring, as well as its expectations for fourth quarter operating results.

The company has raised its 2019 adjusted operating margin1 and adjusted diluted earnings per share1 outlook, reflecting its expectations for fourth quarter operating results.

Fiscal Year 2019 (comparisons to fiscal year 2018)

  • Total sales are expected to increase approximately 2 percent.
  • Comparable sales are expected to increase approximately 3 percent.
  • Operating income as a percentage of sales (operating margin) is expected to increase 290 to 320 basis points.
  • Adjusted operating income as a percentage of sales (adjusted operating margin1) is expected to increase 40 to 60 basis points.
  • The effective income tax rate and adjusted effective income tax rate are expected to be approximately 24%.
  • The target leverage ratio is 2.75x, therefore the company expects to repurchase approximately $4 billion of stock.
  • Diluted earnings per share of $5.35 to $5.47 are expected for the fiscal year ending Jan. 31, 2020.
  • Adjusted diluted earnings per share1 of $5.63 to $5.70 are expected for the fiscal year ending Jan. 31, 2020.

Disclosure Regarding Forward-Looking Statements

This press release includes “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Statements including words such as “believe”, “expect”, “anticipate”, “plan”, “desire”, “project”, “estimate”, “intend”, “will”, “should”, “could”, “would”, “may”, “strategy”, “potential”, “opportunity” and similar expressions are forward-looking statements. Forward-looking statements involve estimates, expectations, projections, goals, forecasts, assumptions, risks and uncertainties.  Forward-looking statements include, but are not limited to, statements about future financial and operating results, Lowe’s plans, objectives, business outlook, priorities, expectations and intentions, expectations for sales growth, comparable sales, earnings and performance, shareholder value, capital expenditures, cash flows, the housing market, the home improvement industry, demand for services, share repurchases, Lowe’s strategic initiatives, including those relating to acquisitions and dispositions by Lowe’s and the expected impact of such transactions on our strategic and operational plans and financial results, and any statement of an assumption underlying any of the foregoing and other statements that are not historical facts.  Although we believe that the expectations, opinions, projections and comments reflected in these forward-looking statements are reasonable, such statements involve risks and uncertainties and we can give no assurance that such statements will prove to be correct. Actual results may differ materially from those expressed or implied in such statements.

A wide variety of potential risks, uncertainties and other factors could materially affect our ability to achieve the results either expressed or implied by these forward-looking statements including, but not limited to, changes in general economic conditions, such as the rate of unemployment, interest rate and currency fluctuations, fuel and other energy costs, slower growth in personal income, changes in consumer spending, changes in the rate of housing turnover, the availability of consumer credit and of mortgage financing, inflation or deflation of commodity prices, recently enacted, proposed or threatened tariffs, disruptions caused by our recent management and key personnel changes, and other factors that can negatively affect our customers, as well as our ability to: (i) respond to adverse trends in the housing industry, a reduced rate of growth in household formation, and slower rates of growth in housing renovation and repair activity, as well as uneven recovery in commercial building activity; (ii) secure, develop, and otherwise implement new technologies and processes necessary to realize the benefits of our strategic initiatives focused on omni-channel sales and marketing presence and enhance our efficiency, and otherwise successfully execute on our strategy and implement our strategic initiatives, including acquisitions, dispositions and the closing of certain stores and facilities; (iii) attract, train, and retain highly-qualified associates; (iv) manage our business effectively as we adapt our operating model to meet the changing expectations of our customers; (v) maintain, improve, upgrade and protect our critical information systems from system outages, data security breaches, ransomware and other cyber threats; (vi) respond to fluctuations in the prices and availability of services, supplies, and products; (vii) respond to the growth and impact of competition; (viii) address changes in existing or new laws or regulations that affect consumer credit, employment/labor, trade, product safety, transportation/logistics, energy costs, health care, tax, environmental issues or privacy and data protection; (ix) positively and effectively manage our public image and reputation and respond appropriately to unanticipated failures to maintain a high level of product and service quality that could result in a negative impact on customer confidence and adversely affect sales; and (x) effectively manage our relationships with selected suppliers of brand name products and key vendors and service providers, including third party installers. In addition, we could experience impairment losses and other charges if either the actual results of our operating stores are not consistent with the assumptions and judgments we have made in estimating future cash flows and determining asset fair values, or we are required to reduce the carrying amount of our investment in certain unconsolidated entities. With respect to acquisitions and dispositions, potential risks include the effect of such transactions on Lowe’s and the target company’s or operating business’s strategic relationships, operating results and businesses generally; our ability to integrate or divest personnel, labor models, financial, IT and other systems successfully; disruption of our ongoing business and distraction of management; hiring additional management and other critical personnel; increasing or decreasing the scope, geographic diversity and complexity of our operations; significant integration or disposition costs or unknown liabilities; and failure to realize the expected benefits of the transaction. For more information about these and other risks and uncertainties that we are exposed to, you should read the “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations-Critical Accounting Policies and Estimates” included in our most recent Annual Report on Form 10-K filed with the U.S. Securities and Exchange Commission (the “SEC”) and the description of material changes thereto, if any, included in our Quarterly Reports on Form 10-Q or subsequent filings with the SEC.

The forward-looking statements contained in this news release are expressly qualified in their entirety by the foregoing cautionary statements. The foregoing list of important factors that may affect future results is not exhaustive. When relying on forward-looking statements to make decisions, investors and others should carefully consider the foregoing factors and other uncertainties and potential events. All such forward-looking statements are based upon data available as of the date of this release or other specified date and speak only as of such date. All subsequent written and oral forward-looking statements attributable to us or any person acting on our behalf about any of the matters covered in this release are qualified by these cautionary statements and in the “Risk Factors” included in our most recent Annual Report on Form 10-K and the description of material changes thereto, if any, included in our Quarterly Reports on Form 10-Q or subsequent filings with the SEC. We expressly disclaim any obligation to update or revise any forward-looking statement, whether as a result of new information, change in circumstances, future events or otherwise, except as may be required by law.

Lowe’s Companies, Inc.

Lowe’s Companies, Inc. (NYSE: LOW) is a FORTUNE® 50 home improvement company serving more than 18 million customers a week in the United States and Canada. With fiscal year 2018 sales of $71.3 billion, Lowe’s and its related businesses operate or service more than 2,200 home improvement and hardware stores and employ approximately 300,000 associates. Founded in 1946 and based in Mooresville, N.C., Lowe’s supports the communities it serves through programs focused on creating safe, affordable housing and helping to develop the next generation of skilled trade experts. For more information, visit Lowes.com.

Lowe’s Companies, Inc.
Non-GAAP Financial Measures Reconciliation (Unaudited)

To provide additional transparency, the Company has presented the non-GAAP financial measure of adjusted earnings per share to exclude the impact of certain discrete items, as further described below, not contemplated in Lowe’s original Business Outlook for 2019 to assist the user in understanding performance relative to that Business Outlook.

In addition, in the Business Outlook for fiscal 2019, the Company has provided a comparison to the non-GAAP financial measure of adjusted operating margin for fiscal 2018, which excludes the impact of certain discrete items, as further described below, not contemplated in Lowe’s original Business Outlook for 2018, to assist the user in further understanding the Company’s forecasted performance for fiscal 2019 in comparison to fiscal 2018.

The Company believes these non-GAAP financial measures provide useful insight for analysts and investors in evaluating the company’s operational performance.

Fiscal 2019 Impacts

For fiscal 2019, the Company has recognized, or expects to recognize, financial impacts from the following discrete items, not contemplated in the Company’s original Business Outlook for 2019:

  • Prior to the beginning of fiscal 2019, the Company announced its intention to exit its Mexico retail operations and had planned to sell the operating business. However, in the first quarter of 2019, after an extensive market evaluation, the decision was made to instead sell the assets of the business. That decision resulted in a tax benefit in the first quarter. During the first six months of fiscal 2019, the Company recognized pre-tax operating losses associated with the exit and ongoing wind-down of Mexico retail operations of $27 million, which were offset by $83 million of tax benefit. For the third quarter, pre-tax operating losses for the Mexico retail operations were insignificant (Mexico adjustments).
  • During the third quarter of fiscal 2019, the Company began a strategic review of its Canadian operations, and as a result, recognized pre-tax charges of $53 million associated with long-lived asset impairment. In addition, the Company announced on November 20, 2019, additional actions to improve future performance and profitability of its Canadian operations. As a result of these actions, in the fourth quarter of 2019, the Company expects additional pre-tax operating costs and charges of $175 to $225 million consisting of inventory liquidation, accelerated depreciation and amortization, severance, and other costs, as well as associated potential impacts to the Company’s income tax expense (2019 Canada restructuring).

Fiscal 2018 Impacts

During fiscal 2018, the Company recognized financial impacts from the following discrete items, not contemplated in the Company’s original Business Outlook for 2018:

  • During the fourth quarter of fiscal 2018, the Company recorded $952 million of goodwill impairment associated with its Canadian operations (Canadian goodwill impairment);
  • On August 17, 2018, the Company committed to exit its Orchard Supply Hardware operations. As a result, the Company recognized pre-tax charges of $230 million during the second quarter of fiscal 2018 associated with long-lived asset impairments and discontinued projects. During the third quarter of fiscal 2018, the Company recognized pre-tax charges of $123 million associated with accelerated depreciation and amortization, severance and lease obligations. During the fourth quarter of fiscal 2018, the Company recognized additional pre-tax charges of $208 million primarily related to lease obligations. Total pre-tax charges for fiscal year 2018 were $561 million (Orchard Supply Hardware charges);
  • On October 31, 2018, the Company committed to close 20 under-performing stores across the U.S. and 31 locations in Canada, including 27 under-performing stores. As a result, the Company recognized pre-tax charges of $121 million during the third quarter of fiscal 2018 associated with long-lived asset impairment and severance obligations. During the fourth quarter of fiscal 2018, the company recognized additional pre-tax charges of $150 million, primarily associated with severance and lease obligation costs, as well as accelerated depreciation. Total pre-tax charges for fiscal year 2018 were $271 million (U.S. and Canada store closure charges);
  • On November 20, 2018, the Company announced its plans to exit retail operations in Mexico and is exploring strategic alternatives. During the third quarter, $22 million of long-lived asset impairment was recognized on certain assets in Mexico as a result of the strategic evaluation. During the fourth quarter, an additional $222 million of impairment was recognized. Total charges for fiscal year 2018 were $244 million (Mexico impairment charges);
  • During the third quarter of fiscal 2018, the Company identified certain non-core activities within its U.S. home improvement business to exit, including Alacrity Renovation Services and Iris Smart Home. As a result, during the third quarter of 2018, the company recognized pre-tax charges of $14 million associated with long-lived asset impairment and inventory write-down. During the fourth quarter of fiscal 2018, the Company recognized additional pre-tax charges of $32 million. Total pre-tax charges for fiscal year 2018 were $46 million (Non-core activities charges), and;
  • During the fourth quarter of fiscal 2018, the Company recorded pre-tax charges of $13 million, associated with severance costs due to the elimination of the Project Specialists Interiors position (Project Specialists Interiors charge).

Adjusted diluted earnings per share and adjusted operating margin should not be considered an alternative to, or more meaningful indicator of, the company’s diluted earnings per share or operating margin as prepared in accordance with GAAP.  The Company’s methods of determining these non-GAAP financial measures may differ from the method used by other companies for this or similar non-GAAP financial measures.  Accordingly, these non-GAAP measures may not be comparable to the measures used by other companies.

Detailed reconciliations between the Company’s GAAP and non-GAAP financial results are shown below and available on the Company’s website at www.lowes.com/investor.

SOURCE Lowe’s Companies, Inc.

This unedited News Release was sourced from Lowe’s on November 20th, 2019

Related Post: Lowe’s Completes Acquisition of Rona and Lowe’s Closing of 34 Stores in Canada and What They Should Do

Article source: https://metroactive.org/wordpress/2019/11/20/lowes-reports-third-quarter-sales-and-earnings-results/

Weird but Effective Mindset Hacks

Mindset is a way of thinking and a set of beliefs, and
beliefs determine our actions. This is the inner game. It is your
inner game that dictates your outer results and what you do. Any struggle
inside is what is creating the struggle on the outside. You change your beliefs
and your self image, when you play a bigger game with your thoughts and take a
different kind of action utilizing mindset hacks.

What result are you looking for? It could be on a personal
level or a business level. What you may not be taking into consideration is
your mindset. Mindset or your inner game is 100% involved with your results.

Upgrading your self image requires that you reprogram how
you see yourself. Upgrading your beliefs (your inner game) requires a conscious
effort to get through to your subconscious mind. A thought repeated many so
times that it creates a belief – creates a neural pathway. So, to change a
belief requires a new neural pathway.

There are many ways to improve your inner game but here are
three mindset hacks I have experienced over the years that work. You may need
to see a practitioner fluent in these practices to get you on track, unless you
are already experienced with them.

Mindset Hack – Affirmations or Mantras

Affirmations are positive phrases you repeat to yourself that describe what you desire. A mantra is a statement or slogan, or positive phrase or affirmative statement repeated frequently. The idea is to reprogram your subconscious mind and overwrite any limiting or negative beliefs you may have about yourself or about not being able to do something. With repetition you can start a new neural pathway. This pathway can be made stronger with the use of alpha brain wave frequency.  Alpha waves are neural oscillations in the frequency range of 7.5–12.5 Hz. It puts you in a relaxed but alert state.

Mindset Hack – Goal Cards

Goal cards are cards you carry with you and you read aloud
at least twice a day. Typically, first thing in the morning and last thing at
night. What you have written on the card is a very detailed, clear, concise,
emotionally compelling description of the goal you are working on. As you read
it, you see and feel (get emotionally involved with it) and believe yourself
already in possession of the goal. I have found this mindset hack to be very
powerful.

Mindset Hack – Vision Boards

A vision board is
a tool used to help clarify, concentrate and maintain focus on a specific life
goal. Literally, a vision board is
any sort of board on
which you display images that represent whatever you want to be, do or have in your life. It’s a way to manifest your
dream life. When you make a vision board, you get clear on what you want to
create in your life. Once you get clarity, you select images and words from
magazines and paste them on a big poster board. Seeing this board each day
aligns your brain with the outcomes you most want to attract. These are ways to
link your thoughts with positive emotions. 
(Oprah, Ellen DeGeneres and Katy Perry all swear by vision boards).

Another
way to do this is create a mind movie. There are computer programs that provide
you with images and music or you can create them yourself. Once again it is the
daily repetition that makes this work in terms of reprograming your
subconscious. 

Have fun with these and if you have any questions, feel free to contact me.

Lead your day.

Charlene Day

Article source: https://metroactive.org/wordpress/2019/11/19/mindset-hacks/

Applying The 7 Day Diet to Transform Your Life

Applying The 7 Day Mental Diet to Transform Your Life

We have all heard of diets and probably have been on at
least one at some point. We have also heard, “You are what you eat.”  We are aware that what we put into our bodies
affects us physically.  But have you
considered what goes into your mind?

Emmet Fox wrote about The Seven Day Mental Diet back in
1935.  You have also heard, “What you
think about comes about.” So why not a 7-day mental diet? Thoughts are the food
for our mind. Our thoughts create our reality.

Everything in our lives is entirely conditioned by our
thoughts and feelings that we have entertained in the past and by the habitual
tone of our past thinking. Thought is a real causative force in our lives. The Law of Cause and Effect
comes into play here. Thoughts are the cause and our environments are the
effect. If we change our thoughts, then our conditions will change too. We are
transformed by the renewing of our minds.

Now the challenge here is that we are so close to our
thoughts that it is difficult to apply the transformation. We must stand back
and look at our thoughts objectively. This is going to take conscious control
on our part and lots of practice. This is where the 7-day mental diet comes in.

This also about creating a new habit. Adopting new habits is
easier with discipline. You can agree to set up a new habit and with
discipline, it is now non-negotiable. Also, an interesting new tidbit is that
the latest studies indicate that it
takes an average of 66 to 90 days to create a new habit and that is only with a
support system in place.

You may be getting the drift that the 7-day mental diet is
going to take longer than 7 days. Here is the drill. For seven days you must
not allow yourself to dwell for a single moment on any kind of negative
thought. This discipline is so strenuous as it will ask you to be totally
conscious of every thought. You can start any day of the week but once you
start you must go through for seven days without any negative thoughts.

Since we live a very negative environment (just listen to
the news), this diet is going to be a challenge. You are going to be facing
negativity every day especially if you listen or watch any media. Your job will
be not to entertain any of it in your mind. You might want to consider a break
from media for a week to make it a little easier. You may be faced with
negativity at work or at home as well. Once again you may hear those ideas but
don’t entertain them in your mind. You may also choose to avoid any negative
people for this 7- day mental diet.

Then there is the ongoing dialogue that is running through
your mind at any given moment. So, a negative thought is any thought of
failure, disappointment, or trouble, sickness or accident, any thought of
criticism, or jealousy, or condemnation of others. This also includes self
condemnation or any self-effacing thoughts. Basically, any thought that is any
kind of limitation or pessimistic thinking is not allowed.

Once you entertain a negative thought for more than 7
seconds, you must start the 7-day mental diet all over again. The first goal is
to get through one whole day without any negative thoughts. This may take
several days or even weeks to finally get through the whole day. It is going to
take conscious effort and discipline in order to do this. But the payoff at the
end of this exercise is that you will experience extraordinary changes for the
better and your future will be very encouraging. 

If you want accountability or have any questions, please reach out.

Lead your day.

Charlene Day

Article source: https://metroactive.org/wordpress/2019/11/11/7-day-mental-diet-to-transform/

Don Cherry versus Justin Trudeau

Don Cherry has been fired from Hockey Night in Canada for singling out new immigrants to Canada. Justin Trudeau mocks non-white Canadians several times and is re-elected Prime Minister of Canada. So why the apparent double standard?

Don Cherry talks about his animal rescue foundation
Don Cherry

Well, there a couple of possibilities. The more utopian one being that Trudeau apologized and said what the people wanted to hear. While, Cherry stood by his comments. The moral here is just say what others want to hear and don’t speak the truth.

Sadly, there could be truth in what Cherry said. Though not every new immigrant or new Canada is non-appreciative of those that gave their lives to create our Canada, there is certainly a lack of knowledge. Understandably, ask a new Canadian about Canada’s military history and they may not know it.

How could they? They come from different countries, a different generation, some don’t speak English very well. Of course this segment of the population is least likely to pay honour to veterans. Yet, there are many new immigrants to Canada who do know about our military history, our sacrifice of lives and do appreciate an honour the fallen.

So, why was Cherry fired? After all, Cherry was only trying to bring focus to the veterans on the very important remembrance day. In a rant Saturday night on the popular “Coach’s corner”, segment, Cherry commented “You people … you love our way of life, you love our milk and honey, at least you can pay a couple bucks for a poppy or something like that.”

He was showing his bravery and resolve by speaking up. And for that brave act, he was shot in the back by his very leaders. Could you imagine what would have happened during WWII if our military leaders and soldiers would have just layed down their arms and apologized to Hitler? Instead these men of resolve, many knowing they would not return to their families stood by their believes, by their integrity.

These brave soldiers held their post, they fought on, they created our Canada. They didn’t think about getting re-elected or giving benefits to their special interest groups. They focused on taking care of all Canadians back home, on saving Canada and our way of life! That is the difference between Cherry and Trudeau. So why are Canadians rewarding the actions of Trudeau and penalizing the bravery of Cherry?

Now, for another explanation of a more political nature. The fact is that every year, the Liberal government gives the CBC hundreds of millions of dollars. In 2015, Trudeau’s Liberals give the CBC over $1,000,000, that’s right – a billion dollars. Given that the ethical Don Cherry is not Justin Trudeau’s type of man, could there be a hidden agenda?

Even Jagmeet Singh took the opportunity to jab Cherry. In unnecessary tweets, Singh took the opportunity to draw attention to himself. So much talk about how everyone sacrificed during the war, but what do the numbers of the fallen show? See for yourself which Canadians have fallen in battle and let me know if you come across a Singh. Meanwhile, on this remembrance day those that made the ultimate sacrifice are being ignored.

Give it a break! All Don Cherry was trying to do is bring attention to veterans and help with poppy sales. He didn’t say it was all new immigrants did he? I’m pretty sure most people are intelligent enough to understand the message here.

Enough with the political spinning and grand standing. By attacking, marginalizing and firing Don Cherry, all you loud maths and Sportnets itself are displaying and reinforcing the very thing they accuse Cherry of. Everyone in this debate is contributing to divisive reactions.

Shame on you Sportsnet. So, who is going to hold you accountable for this?

Bring back the man the only man mentioned in this post that has inegrity and fortitude to speak the truth and do the right thing.

For the record, this post is not intended to alienate or belittle the bravery and contribution of new Canadians. It is meant to bring to light an inequity in the way some people are treated in our society. Whenever we label, such as ‘racist’ we are being divisive and causing harm to every Canadian. We should encourage free speach and expression of our thoughts so we can come to a concesses. We should not be penalizing individuals for speaking up. After all, what makes one persons ideas, values, ideals, thoughts, and feelings more valid than those of another Canadian?

#sportsnet #cbc #cbcnews #doncherry #jagmeetsingh #justintrudeu #hockeynightinCanada #doncherryfired

This commentary does not necessarily reflect the viewpoints, opinions, or thoughts of MetroActive members, officers and anyone else in our community. We are allowing the publishing of this post because we believe in the right of free speach and encourage you to comment if you disagree.

Article source: https://metroactive.org/wordpress/2019/11/11/don-cherry-versus-justin-trudeau/

CIBC Visa Scam Alert

There is a new scam spreading throughout Canada. This morning a MetroActive member received a call at 7:15 a.m. with an automated voice saying there is an unauthorized charge on his CIBC Visa. It was in fact a fraud attempt and here is how the call went and what he did to discover the fraud.

CIBC Visa Card Scam
CIBC Visa Card Scam Alert.

The Scam

The automated voice stated they were calling from the CIBC Visa department and that there has been an unauthorized charge on his Visa. Then the voice said to press ‘1’ in order to transfer to a representative.

After a short period on hold an attendant with a South-Asian (Indian accent) answered with “Visa fraud department, how may I help you?”. Our member replied with “You just called me about a fraud on my Visa account”. The voice then continued to talk about an attempted fraud account on his CIBC Visa.

Being suspicious from the beginning, since the call had come in so early in the morning with a long-distance origin ring, he was cautious. He then decided to test the attendant by asking which Visa. The tenant replied ‘Your CIBC Visa’. Our member then asked, what are the 4 last digits of the Visa card. That is when the attendant hung up.

CIBC Hacked or Internal Information Breach?

It is concerning that the caller in this scam would have known that our member had a CIBC Visa Card. Since it is an emergency reserve card, which he doesn’t usually use, it is unlikely that a vendor would have given the scammers the heads up. It is possible that the scammers where just phishing (guessing) that he had a CIBC Visa card. But, why not some other bank Visa or credit card brand? We’re concerned that someone at CIBC or one of its offshore suppliers may have released customer list information to scammers.

Scammers Targeting Canadians

This is yet another scam targeting Canadians in an attempt to steal their identity or money. The fact that the number and magnitude of these scams in increasing is a sign that they are profitable activities for the thieves. Yet, law enforcement agencies in Canada have not been able (or are not trying to) find these criminals and end these attacks on Canadians.

Since there is no accountability, you can expect these scams to get more sophisticated and brazen. With time, more and more Canadians will fall victim to these scammers. The only solution is for the Canadian government to go after the people behind the scams.

Meanwhile, Canadians can avoid being scammed by knowing the signs and having a plan on how to deal with these calls.

3 Keys To Deal With Potential Scam Calls

1. Consider every incoming phone call from an unknown person to be a potential fraud

  • Ask why they’re calling you?
  • Ask who is calling you? Are you sure they are who they say they are?

3. Never give any information about your identity or account

  • Protect your identity and never reveal information about your name, address, account number or anything else unless the bank already has it and is asking to confirm. Even then only confirm if you are a client of that bank.
  • A Canadian financial institution will not ask you for your account number as they will have that information about you already, especially if they’re calling you about a specific issue
  • A Canadian financial institution will not ask you to reveal a password over the phone
  • A Canadian financial institution will never ask you to make payment over the telephone

4. Look for indicators that something is not write

  • Is the call during regular business hours?
  • Is the call from a long-distance origin?
  • Is the call from an automated message with robotic-like voice?
  • Do they have a foreign accent (especially South-Asian)?
  • They are not willing to give you a telephone number you can reach them at
  • The contact number they give you doesn’t match the one that is registered to the company

5. Ask questions that require the scammer to know information that only your bank would know

  • What are the last four digits of my account number?
  • What email address do you have on record for me?
  • What was the last payment I made to my account?
  • How do I usually make payments to my account?

At any point during any of this, if you find something doesn’t make sense, just hang up.

Related Articles: Company Representative Scam Warning

#cbcnews #cp24 #torontostar #torontosun #rcmp #torontopolice #opp #citytv #globalnews

Article source: https://metroactive.org/wordpress/2019/11/08/cibc-visa-scam-alert/

Legend Of Linva Book Launch and Author Signing This Weekend

On behald of Jupiter L. Makins and the MetroActive community, I invite you to celebrate the launch of Jupiter J. Makins long anticipated and graphically controversial novel, “Legend of Linva: The Lamplighter’s Daughter”. I jokingly refer to it as graphically controversial because of the famous InstaGram posts that were exchanged between Jupiter and myself in regards to the cover of her book.

Returning from her worldwind North American travels, Makins is now back in Toronto and ready to share a short-reading from her book with us. You’ve seen her through her InstaGram adventures, now you can meet her in person.

A mix and mingle book signing and CELEBRATION. Light food, Coffee and Tea Provided. Cash Bar.

Guest of Baldo Minaudo welcome. RSVP through Baldo Minaudo Instagram: Baldo.Minaudo or Twitter: @Baldo1.

Jupiter L. Makins Bio

Jupiter L. Makins is a writer, director, producer and author. As a writer, Makins has worked on “Last Ten” (2017 – a completed short), “Five Course Meal” (2018 – short screenplay), “Anathema” (2018), “Bigfoot and the Burtons” (2015), “Bully Fighters” (2014 – short), “Unknown Caller” (2014 – screenplay).

As a producer, Makins has worked on “Interstate 15” (short co-producer), “Last Ten” (2017), “Anathema” (2018), “Big Foot and the Burtons” (2015 – executive producer/producer), “Bully Fighters” (2014 – short producer).

Makins’ Director activity includes “Bigfoot and the Burtons” (2015) and “Bully Fighters” (2014 short)

This is a great opportunity to meet someone who knows how to take an idea into a book and create a completed film. Join us at this event and get to know the wonderment of Jupiter L. Makins in person.

Book Reading and Signing Time Location

Sunday, November 3 from 2:00p-4:00p at Parlour, 270 Adelaide Street West, Toronto, ON

If you can’t make the event please purchase Jupiter’s book for only $9.99 plus tax. It makes a great gift for 8-12 year olds. Make that little person feel special when they receive a personally signed copy of the book!

Article source: https://metroactive.org/wordpress/2019/11/01/legend-of-linva-book-launch-and-author-signing-this-weekend/

Lenovo Glitch In Black Friday Deals

Yesterday, Lenovo customers were left in frustration when they attempted to purchase from Lenovo’s deep discounted Black Friday Deals. Lenovo launched their Black Friday deals campaign and within hours many of their units were already more than 50% sold out, but some of Lenovo’s best customers sat frustrated in front of their computers as they tried to place their order while they watched inventory shrinking.

After spending over 30 minutes on the Lenovo website with credit card in hand, one MetroActive member couldn’t get the system to approve his order. He called Lenovo to place his order, but the system kept passing him to a customer satisfaction survey before placing his order. Finally, he reached a live person, but mid discussion was again transferred to customer satisfaction survey.

Calling back again and an hour into his attempt to purchase a Lenovo computer, he finally spoke to ‘Jessie’ who then returned him to ‘Cory’, the original Lenovo representative who had started on his request. The MetroActive member who wishes to remain anonymous explains, “At this point, I had wasted over an hour of my productive day time and was totally stressed out. I told the rep [Lenovo customer service representative] that I was recording the phone calls and our conversation and would be writing about it on the internet.”

Turns out, according to Lenovo representative, that Lenovo advertises its Black Friday deals through several means, one of which is by email to its Lenovo registered clients and potential clients. From the email, individuals can click onto the Lenovo website to choose and purchase their deal. However, if you have a registered account, the Lenovo transaction system will not accept your order. It will simply tell you to enter the correct postal code.

To take advantage of emailed deals, registered Lenovo users must first log into their account. Why Lenovo doesn’t mention this in their e-mail is unknown. What is known is that there are a lot of Lenovo’s most desirable customers that are wasting a lot of their time because Lenovo does not address this simple fix.

According to Baldo Minaudo, Senior Consultant with VentureMind, a Toronto-based consulting firm, “Lenovo has good products and they spend a lot of money on promotions. It is surprising that in their Black Friday campaign where they’re offering as much as 80% discounts, they’re also turning off busy clients who may get so frustrated they’ll order their computers or electronics from another source. This is not good for their brand equity or customer relationship equity”.

Minaudo adds, “Lenovo makes good products and some of our consultants at Venturemind use Lenovo laptops.

Take a look at these Lenovo deals while they last!

#lenovo @lenovo #blackfriday #blackfridaydeals

Article source: https://metroactive.org/wordpress/2019/11/01/lenovo-glitch-in-black-friday-deals/

Cannabis Halloween Candy Warning for Parents

Parents have more to worry about this Halloween evening. Since the Liberal government legalized Cannabis in Canada, usage of the drug has been increasing and so has impaired driving, crimes and other disturbing behaviour. Among the consequences, have been incidences of children ‘accidentally’ ingesting cannabis-laden products.

Children and Risk of Cannabis Poisoning

Most users of Marijuana are use the drug responsibly. But, what if this Halloween someone with legal, or illegal access to cannabis intentionally (or even unintentionally) hands out cannabis contaminated candy? The effect on the child could potentially be fatal.

According to CTVNews in an article published June 27, 2019,

  • Between September and December 2018, 16 cases were reported to the Canadian Paediatric Surveillance Program (CPSP), forming the start of a two-year study.
  • In a news release, Dr. Christina Grant, a pediatrician in Hamilton said, “The number of cases involving young children is striking,”
  • A little girl in Manitoba started having seizures after consuming some of the chocolate in February. She was rushed to hospital, where she was put on a breathing machine and spent three days before she recovered.

Effects of Cannabis Ingestion

The immediate effects of Cannabis poisoning on children can be observed in their behaviour. However, according to a children’s hospital, the long-term effects of Acute Cannabis Ingestion are not well-known.

How to Avoid Contaminated Halloween Candy

The best way to avoid contaminated or poisoned candy is to only visit family, friends and people you know well. If you know them to be consumers of cannabis or if you smell marijuana around their home then avoid them on Halloween. For packaged candy, inspect it carefully before giving it to your child.

If the candy is manufactured over seas you might want to research the ingredients and manufacturing facility as some countries don’t have the same level of consumer health and safety as is found in Canada.

Six Tips to Inspect Halloween Candy

  1. Check the wrap or packaging to make sure it is air tight. gently squeeze the package if the wrap collapses then the wrap could have been breached.
  2. For boxed candy, check the seal of the folds and make sure there are no holes or cuts anywhere in which a needle could have been inserted or some chemical injected.
  3. Check the wrap for discolour, liquid or other stains.
  4. Avoid wraps that are not sealed, such as those twisted around lolly pops and toffee candy. These are easy to unwrap and wrap without looking like they’ve been tampered with.
  5. Check the candy for consistency in the surface, in terms of texture, colour, and for any breaks in the surface.
  6. Smell the candy to make sure it is consistent with the candy’s ingredients.

Biggest Halloween Dangers

This post is focused on contaminated and poisoned candy, however, their are more common dangers during Halloween. The greatest danger is that from car accidents. Car accidents spike during Halloween. So, follow sensible rules in terms of behaviour and costumes during Halloween Eve.

Parents are concerned about the possibility of cannabis containing candy, but is only a possibility. Keep your perspective and be prepared in the rare possibility that your child may inject cannabis or cannabis byproduct. Know the symptoms and be prepared to take your child to the hospital in case something happens. A good number to keep handy is the Ontario Poison Centre 1-800-268-9017.

Have a HOWLING GOOD TIME with your children!

#halloweenwarning #ctvnews @ctvnews @cp24breakingnews @cbcnews @globalnewsto

Article source: https://metroactive.org/wordpress/2019/10/31/cannabis-halloween-candy-warning-for-parents/

5 Things You Can Do To Drastically Increase Your Home Security

This articles was originally published on www.baldominaudo.com where you’ll find other home-related and real estate related articles.

Those that have experienced home invasions, break-ins or robberies know all too well the tremendous emotional and financial impact it can have on your life. Though you can get insurance for the value of your belongings, you can’t replace their sentimental value. Even more significant is the impact it can have on your sense of personal security and privacy. The thought of a criminal going through your personal belongings, knowing they were going trough your bedroom, diaries, and who knows what else can leave you feeling extremely vulnerable.

In most cases, a homeowner can prevent burglary with some common sense measures. Some of these measures are so simple, yet surprisingly, most people don’t bother. Hence, the increasing degree of home burglaries.

5 Things You Can Do To Increase Your Home Security

1. Visibility – Keeping your doors and windows visible to neighbours

It has always been known that most criminals do not want to be seen breaking and entering into a home. However, in recent years, burglars have become more brazen with daytime break-ins. Often they’ll call a home or knock on the door and if there is no answer, they’ll assume no one is home. That’s when they’ll break-in. Even then, they don’t want to be seen by nosy neighbours.

Homes that have enclosed veranda’s, tall hedges and other ornaments that block view of the doors and windows from neighbours are preferred targets for burglars.  So, trim down or better yet remove shrubbery, trees and other items blocking your windows and doors.

2.  Lighting – Keep it lit brightly

Bright LED lights around the outside of your home are a strong deterrent for burglars. Even better are LED lights with motion sensors, because then it catches your attention and the attention of neighbours when a light comes on unexpectedly. Use several lights in a tiered field approach. For example, near the home the LEDs stay on and then at certain access points or perimeters of the property used LED lights with motion sensors. That way the burglars know everything is well lit and in case they still try to approach they’re surprised by the unexpected extra LEDs turning on.

3. Reinforced Doors Specifically Designed for Home Security

Sometimes burglars will stake out your home for days, recording your patterns and those of neighbours before breaking in. In that situation, the lights and visibility will not work. Then you have to go to the second stage of defense with hardware. Heavy duty metal doors or Doors reinforced with metal are much more difficult to break into than most popular doors. By the time a burglar breaks through one of these doors, the whole neighbourhood would have heard the commotion. They’re more expensive but when you’re facing the possibility of an armed intruder or burglar, you’ll wish you had installed them. Just remember that you also have to get the reinforced door frame, otherwise the door won’t hold.

4. Heavy Duty Locks Bolts Specifically Designed for Home Security

The quickest and easiest way to increase your security is by upgrading your entry door locks and bolts. In the past lock companies focused on avoiding being picked open, now with burglars simply kicking doors open, they seem to be focused more on the mechanical engineering. Look for things liked thicker and longer bolts that lock into the frame, larger and longer screws that secure the both receptacle into the frame, expanded metal plates for the frame and wrap-around and extended metal braces for the door itself.

Then there are the traditional deadbolts which are well-used in cities like New York and which seemed to have been more used in Toronto’s days past. However, they are effective, especially when used with reinforced frames and doors. These will make it harder to kick in the door without having to replace the whole door.

5. Home Security Cameras

Over the last few years the design of security cameras has significantly improved with increased sharpness, night vision and even internet access. You can get them in wired or wireless format. The price has dropped significantly over the last 3 years and you can now get a complete 4 camera with internet connectivity for as little as $300 Canadian. Some of these cameras allow you to identify zones on your property which if movement is detected it’ll set off the alarm, email, text you or all three. You can then check out the cameras’ live feed through your mobile app or even search past video footage.

These security cameras may not stop every break-in, but it will deter some of them and even help police in catching the burglars and perhaps recovering your property. It also helps with your insurance claim and may even help lower your insurance premiums.

The sooner you start implementing these measures, the sooner you’ll have greater home security and piece of mind. Stay safe in your home sweet home and sleep well at night.

#homesecurity #homesafety #antitheft #theftdeterrent

Article source: https://metroactive.org/wordpress/2019/10/30/5-things-you-can-do-to-drastically-increase-your-home-security/