What might a post-Wonga world look like? - University of Birmingham
Skip to main content University of Birmingham Teaching excellence Alumni Work here Events Visit Switch between the UK and Dubai websites. UK Dubai Menu Study Research International Business News About us Teaching excellence Alumni Work here Events Visit Switch to Dubai campus Search Search for:Search Recommended pages Welcome Undergraduate open days Postgraduate open days Accommodation Information for teachers Maps and directions Sport and fitness Contact us Home Research Perspectives What might a post-Wonga world look like? Explore Research Research Spotlights Spotlight on Research Future of Energy and Transport Transport and energy are the largest contributors to UK carbon emissions. Across the University of Birmingham, we are working with industry partners to share knowledge and turn theory, through experimentation, into real-world applications, which will develop the technologies and infrastructure needed to decarbonise the energy and transport sectors. Creating Sustainable Energy Solutions The Birmingham Energy Institute (BEI) is driving change in the way we deliver, consume and think about energy. Working with government, industry and international partners our research is solving societal issues and addressing challenges relating to energy poverty, the circular economy, transport systems, cooling, hydrogen, energy storage and the decarbonisation of heat. Centre for Urban Wellbeing The Centre for Urban Wellbeing brings together academics from across the University of Birmingham to tackle global challenges to community health and wellbeing. Birmingham Plastics Network: Shaping the Fate and Sustainable Future of Plastics The University of Birmingham has established a Birmingham Plastics Network, an interdisciplinary team of more than 40 academics working together to shape the fate and sustainable future of plastics Sustainable Environments We are investigating the impacts of climate change on forests and water, people and our planet seeking sustainable solutions to real world crises. Maternal Health We are developing, testing and implementing solutions to save women’s lives across the world by improving their standards of care during pregnancy and childbirth. Quantum Technologies Developing the use of sensors and clocks in innovative, ground-breaking technologies to change the future landscapes of healthcare, transport, defence, civil engineering and more. Responsible Business Academia partnering with business, investigating, developing and co-creating robust and innovative solutions to achieve responsible business success. Building the foundations for a more responsible and sustainable future. Clean Air We are working with partners across the globe to understand how to save lives at risk from poor air quality. Superdiversity Challenging established views and policy responses to migration and its impact on societies in a rapidly changing world. Global Ethics Birmingham academics work on major issues in international ethics and global justice and train the next generation of students to tackle these issues. Liver Transplantation Birmingham has been at the forefront of transplants since the pioneering work of Sir Peter Medawar. Our researchers are continuing his legacy. Explore our Spotlights Our Researchers Find a researcher Search by name or keyword Enter researcher name Research Areas Explore our Colleges Arts and Law Engineering and Physical Sciences Life and Environmental Sciences Medical and Dental Sciences Social Sciences History and cultures English, Drama and Creative Studies Languages, Cultures, Art History and Music Law Philosophy, Theology and Religion We explore what it means to be human – in historical and cultural contexts, within ethical and legal norms and through languages and communication. Explore all Arts and Law Research Chemical Engineering Chemistry Civil Engineering Computer Science Electronic, Electrical and Systems Engineering Energy Healthcare Technologies Institute Institute for Gravitational Wave Astronomy Mathematics Mechanical Engineering Metallurgy and Materials Physics Quantum Technology Hub Railways From atoms to astronomy, computers to cars and robots to robust materials, our goal is to transform our understanding of the world to make life easier, healthier and more sustainable. Explore all Engineering and Physical Sciences Research Biosciences Geography, Earth and Environmental Sciences Psychology Sport, Exercise and Rehabilitation Sciences Across the breadth of life and environmental sciences, we discover, apply and translate science to forge major advances in human and environmental health. Explore all Life and Environmental Sciences Research Institute of Applied Health Research Institute of Cancer and Genomic Sciences Institute of Cardiovascular Sciences Institute of Clinical Sciences Institute of Immunology and Immunotherapy Institute of Inflammation and Ageing Institute of Metabolism and Systems Research Institute of Microbiology and Infection With more than 1,000 academic staff researchers and around £80 million new research funding per year, we are dedicated to performing world-leading research with the ultimate goal of improving human health. Explore all Medical and Dental Sciences Research Birmingham Business School Education Government Social Policy We address the challenges facing society and the economy, from shedding light on the refugee crisis, to character education in schools, through to developing leaders in the NHS. Explore all Social Sciences Research PhDs Institutes Research News Quest What might a post-Wonga world look like? In 'Perspectives' COP26 – Climate Change and the need to Shift Beyond 'Blah, Blah, Blah' towards Individual Responsibility Past debates and perspectives by Professor Karen Rowlingson, Professor of Social Policy The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of the University of Birmingham “Austerity policies such as Universal Credit, the benefits freeze and other tax/benefit changes are a key driver of the demand for high cost credit by causing poverty and insecurity both in and out of work.” Hide The collapse of Wonga in August 2018 may be celebrated by many and mourned by few but, as Michael Sheen has reminded us, there are many other types of high cost credit still available in the marketplace so further action is needed if we want a post-Wonga world to look significantly different from what went before. The first action we need is to end austerity. Austerity policies such as Universal Credit, the benefits freeze and other tax/benefit changes are a key driver of the demand for high cost credit by causing poverty and insecurity both in and out of work. Austerity policies have been in place since 2010 but are beginning to bite ever more deeply into people’s purses and wallets as basic benefits increasingly fail to cover the cost of the essentials people need. Poverty is increasing among all groups including families with children (in and out of work) and pensioners. Latest financial inclusion report highlights unsecured credit is rising The University of Birmingham’s latest financial inclusion monitoring report (and related infographics) highlights the fact that unsecured credit is still increasing, such that almost half of the population were in debt in this way in 2014-16. And the number of individual insolvencies increased to nearly 100,000 in 2017. Our economy is built on private debt rather than public investment with devastating consequences for many. We need a new, more ethical foundation for our economy as the IPPR have recently argued and austerity must end. Of course, not everyone who uses high cost credit is borrowing to pay for essentials as a result of austerity. Some people struggle to resist the widely-advertised lure of quick, easy money and then find themselves in a vicious downward spiral of debt. It is therefore crucial for government to continue to reform this type of credit to reduce its negative consequences. For example, the price cap which currently applies to payday lending (and has led to a reduction in such lending since its introduction in 2015) should be extended to other forms of credit such as rent-to-own products. But we should not be focusing solely on so-called ‘sub prime’ credit. Other forms of credit are much more pervasive and equally pernicious. For example, according to the FCA, 52 million people in the UK have a personal current account and 37% of this group use an arranged overdraft, with 25% (approximately 10 million people) using an unarranged overdraft each year. The FCA’s own Feedback Statement, highlighted the fact that unarranged overdrafts fees can cost ten times more than a payday loan. Furthermore, Stepchange have found that 2.1 million people spent the whole of 2016 in a permanent overdraft. Wonga may have gone but other forms of high cost credit, including overdrafts, remain. So how do we win the campaign against all forms of high cost credit? First of all, we need the highest level of commitment from those in power, including those in parliament and government but also those in consumer groups, academics and the media to call for appropriate legislation and then support the FCA to enforce it rigorously. Michael Sheen’s Alliance to End High Cost Credit, launched in March this year aims to bring these groups together with a focus on five areas of change: public debate on the kind of economy and society we want; changes in regulation, law and practice; wider training for employees; and community-based financial education. The final area is to provide better support for alternatives to high cost credit, for example, in working with credit unions, microfinance institutions and community interest companies like Fair For You who provide an alternative to rent-to-own companies like BrightHouse. We are seeing some very positive signs as a result of all this work, for example with Labour’s pledge in 2018 to cap overdraft fees or interest payments. And in May 2018, Which? sent a letter to the FCA calling for action on overdrafts signed by 84 MPs from different parties. The campaign is also gaining some traction within government with the announcement made in its civil society strategy that it will use £55m from dormant accounts to help support the increased use of fair, affordable and appropriate financial products. These are all helpful steps forward but they are still relatively small steps if we really want the post-Wonga world to be one in which people can live their lives without resorting to the use of high cost credit and falling into a vicious spiral of debt. Have your say... Feedback External 1. At 5:18AM on 15 March 2020, babysitting services dubai wrote You don't need to click with cleaning your place in UAE regularly! In inescapable fact, if there are actually certain jobs you never care related to, you will customize an individual's cleaning package so its possible to possibilities your revenue. Concentrate over the most careful cleaning for people problem areas you don't particularly for example, or a lot better; Let him or her do everything on your behalf. External 2. At 12:18PM on 19 October 2020, Gaming glasses wrote If you are a serious gamer and playing in front of a computer screen, here you can buy your favorite gaming glasses that protect your eyes from blue light. External 3. At 5:27AM on 04 January 2021, graphic design services wrote Graphic designers create visual concepts that inspire, inform, and transform.Graphic design is a craft where professionals create visual content to communicate messages. External 4. At 4:22AM on 11 January 2021, cenforce 150 wrote cenforce 150 mg is an immaculate and doable medication for the treatment of erectile assortment from the standard in the men. Keep this medicine in a cool and dry spot. External 5. At 5:23PM on 13 January 2021, my assignment help australia wrote We are Professional academic my assignment help in australia Services with a qualified of Subject Matter Experts who ensure you get the best assignments. External 6. At 5:36PM on 30 January 2021, best coffee shops in abu dhabi wrote LOCAL is an independent life-style concept store that combines a specialty cafe, coffee beans Abu Dhabi, men's barbershop and an exclusive sneaker & street wear consignment store. And here is why, let me break it down for you. This urban street café and barbershop (yes, I said barbershop) offers a modern design with an industrial twist giving you a Scandinavian style to sit, sip, and chill at best cafe abu dhabi with best barber in abu dhabi. External 7. At 11:16AM on 01 February 2021, seo audit service wrote seo audit from inventive9 is an SEO issue Scanner platform that checks these and more to help find issues that could pull the group back from its capacity. The free seo audit tool is a screenshot of the effectiveness of your SEO page. In less then minutes, it produces key information that helps you improve your website. External 8. At 7:10PM on 03 February 2021, Novateus wrote Novateus is innovative top custom software development company that helps organizations design and develop UI UX,custom mobile web applications External 9. At 7:24PM on 03 February 2021, Leather Jackets Collection wrote This one-stop premium quality and modern design Leather Jackets Collection has grown out of proportion in no matter of time given that customers love our superb service quality External 10. At 7:25PM on 03 February 2021, Leather Jackets Collection wrote This one-stop premium quality and modern design Leather Jackets Collection has grown out of proportion in no matter of time given that customers love our superb service quality External 11. At 7:33PM on 03 February 2021, Web Development Company in Karachi wrote Seospot agency provides the best SEO Services in Karachi and globally. We've got well known SEO Experts awarded best SEO Agency in Karachi, Pakistan in 2019. External 12. At 7:36PM on 03 February 2021, SEO Services in Pakistan wrote We are a visible and Best Web Development Agency Karachi leading to a considerable increase of sales, profitability, and cost efficiency for our clients. External 13. At 10:33AM on 11 February 2021, cenforce 200mg wrote cenforce 200mg tablets is a prescription medicine used to treat erectile dysfunction (impotence) in men. It works by increasing blood flow to the penis. This helps men to get or maintain an erection. External 14. At 10:27AM on 12 February 2021, Hospital Interior wrote Transforming the future of healthcare can only be achieved by innovating and delivering new and modern high-quality patient care which is a very important aspect, while reducing costs at the same time. External 15. At 8:41AM on 13 February 2021, garage door repair Waldorf MD wrote Average Garage door repair Waldorf MD costs can range between $49 and $799. It is truly dependent on various factors such as the extent of the damage External 16. At 8:42AM on 13 February 2021, garage door repair Alexandria VA wrote Next Day Garage Door has been in the garage door repair Washington DC and installation business for over eighteen years. External 17. At 9:43AM on 13 February 2021, crystal lara wrote DBMS Assignment Help by professional assignment helper Need someone to write DBMS assignments for you? Students can now avail essay writing help from SourceEssay. We have a team of certified essay helpers who offer assignment help Singapore to students and assist them in writing flawless assignments. they also ensure students never miss their deadlines. Contact us to get DBMS assignment help by professional assignment helpers. https://sourceessay.com/ilac-method-a-comprehensive-guide-in-law-essays/'>https://sourceessay.com/ilac-method-a-comprehensive-guide-in-law-essays/ https://sourceessay.com/know-about-clinical-reasoning-cycle-nursing-assignment-help/'>https://sourceessay.com/know-about-clinical-reasoning-cycle-nursing-assignment-help/ https://sourceessay.com/8-stages-of-communication/'>https://sourceessay.com/8-stages-of-communication/ https://sourceessay.com/cigarettes-should-be-illegal-argumentative-essay/'>https://sourceessay.com/cigarettes-should-be-illegal-argumentative-essay/ https://sourceessay.com/guide-for-the-informative-essay-structure/'>https://sourceessay.com/guide-for-the-informative-essay-structure/ https://sourceessay.com/market-research-for-apple/'>https://sourceessay.com/market-research-for-apple/ https://sourceessay.com/why-was-greek-cultural-influence-so-important-for-the-ancient-mediterranean-world/'>https://sourceessay.com/why-was-greek-cultural-influence-so-important-for-the-ancient-mediterranean-world/ essayhelp https://sourceessay.com/8-different-types-of-plagiarism/'>https://sourceessay.com/8-different-types-of-plagiarism/ https://sourceessay.com/how-to-write-an-excellent-progressive-report/'>https://sourceessay.com/how-to-write-an-excellent-progressive-report/ https://sourceessay.com/cigarettes-should-be-illegal-argumentative-essay/'>https://sourceessay.com/cigarettes-should-be-illegal-argumentative-essay/ https://sourceessay.com/benefits-and-limitation-of-swot-analysis/'>https://sourceessay.com/benefits-and-limitation-of-swot-analysis/ https://sourceessay.com/how-much-plagiarism-is-allowed-in-academic-papers-australia/'>https://sourceessay.com/how-much-plagiarism-is-allowed-in-academic-papers-australia/ https://sourceessay.com/best-literary-analysis-on-macbeth-essay-writing/'>https://sourceessay.com/best-literary-analysis-on-macbeth-essay-writing/ https://sourceessay.com/top-10-marketing-research-paper-topics/'>https://sourceessay.com/top-10-marketing-research-paper-topics/ https://sourceessay.com/what-is-the-difference-between-parametric-and-non-parametric-statistics/'>https://sourceessay.com/what-is-the-difference-between-parametric-and-non-parametric-statistics/ https://sourceessay.com/should-the-nhs-be-privatized/'>https://sourceessay.com/should-the-nhs-be-privatized/ https://sourceessay.com/understanding-vroom-expectancy-theory-of-motivation/'>https://sourceessay.com/understanding-vroom-expectancy-theory-of-motivation/ https://sourceessay.com/important-elements-of-movie-review/'>https://sourceessay.com/important-elements-of-movie-review/ https://sourceessay.com/who-invented-homework-and-why-homework-help/'>https://sourceessay.com/who-invented-homework-and-why-homework-help/ https://sourceessay.com/essential-english-language-techniques-for-students/'>https://sourceessay.com/essential-english-language-techniques-for-students/ https://sourceessay.com/guide-for-writing-a-position-paper/'>https://sourceessay.com/guide-for-writing-a-position-paper/ https://sourceessay.com/types-of-nonverbal-communication-social-psychology/'>https://sourceessay.com/types-of-nonverbal-communication-social-psychology/ https://sourceessay.com/top-10-dissertation-ideas-for-mba-students/'>https://sourceessay.com/top-10-dissertation-ideas-for-mba-students/ https://sourceessay.com/how-many-pages-is-1000-words/'>https://sourceessay.com/how-many-pages-is-1000-words/ https://sourceessay.com/an-introduction-to-alliterations/'>https://sourceessay.com/an-introduction-to-alliterations/ https://sourceessay.com/how-to-write-short-essay-effectively/'>https://sourceessay.com/how-to-write-short-essay-effectively/ https://sourceessay.com/is-human-resource-management-reactive-or-proactive/'>https://sourceessay.com/is-human-resource-management-reactive-or-proactive/ https://sourceessay.com/top-10-most-popular-sports-in-australia/'>https://sourceessay.com/top-10-most-popular-sports-in-australia/ https://sourceessay.com/genetic-engineering-pros-and-cons/'>https://sourceessay.com/genetic-engineering-pros-and-cons/ https://sourceessay.com/5-ways-to-avoid-plagiarism-in-dissertation-writing/'>https://sourceessay.com/5-ways-to-avoid-plagiarism-in-dissertation-writing/ https://sourceessay.com/how-to-write-a-good-sociology-essay/'>https://sourceessay.com/how-to-write-a-good-sociology-essay/ https://sourceessay.com/how-important-are-your-gcses-when-it-comes-to-applying-to-university/'>https://sourceessay.com/how-important-are-your-gcses-when-it-comes-to-applying-to-university/ https://sourceessay.com/tag/motivation-antonym/'>https://sourceessay.com/tag/motivation-antonym/ https://sourceessay.com/is-the-uk-educational-system-effective/'>https://sourceessay.com/is-the-uk-educational-system-effective/ https://sourceessay.com/product-life-cycle-of-smartphones/'>https://sourceessay.com/product-life-cycle-of-smartphones/ https://sourceessay.com/who-invented-homework-and-why/'>https://sourceessay.com/who-invented-homework-and-why/ https://sourceessay.com/capital-punishment-pros-and-cons-when-and-why-it-can-be-justified/'>https://sourceessay.com/capital-punishment-pros-and-cons-when-and-why-it-can-be-justified/ https://sourceessay.com/thesis-vs-dissertation-differences-and-similarities/'>https://sourceessay.com/thesis-vs-dissertation-differences-and-similarities/ https://sourceessay.com/personal-and-career-development-essay/'>https://sourceessay.com/personal-and-career-development-essay/ https://sourceessay.com/common-legal-issues-faced-by-australian-businesses/'>https://sourceessay.com/common-legal-issues-faced-by-australian-businesses/ https://sourceessay.com/canadian-education-system-everything-you-need-to-know/'>https://sourceessay.com/canadian-education-system-everything-you-need-to-know/ https://sourceessay.com/online-programming-assignment-help/'>https://sourceessay.com/online-programming-assignment-help/ https://sourceessay.com/corporate-disclosure-and-governance-in-canada/'>https://sourceessay.com/corporate-disclosure-and-governance-in-canada/ https://sourceessay.com/significance-of-christmas-essay-writing/'>https://sourceessay.com/significance-of-christmas-essay-writing/ https://sourceessay.com/complete-your-papers-with-online-assignment-writers/'>https://sourceessay.com/complete-your-papers-with-online-assignment-writers/ https://sourceessay.com/learn-how-to-write-a-remarkable-thesis-by-assignment-writer/'>https://sourceessay.com/learn-how-to-write-a-remarkable-thesis-by-assignment-writer/ https://sourceessay.com/ https://sourceessay.com/role-of-effective-communication-in-business/ https://sourceessay.com/wrap-up-your-dissertation-with-these-writing-tips/ 1 External 18. At 9:45AM on 13 February 2021, crystal lara wrote https://sourceessay.com/how-to-write-better-discursive-essays-tips-to-improve-your-writing-skills/ https://sourceessay.com/tag/macbeth-character-analysis/ https://sourceessay.com/why-was-greek-cultural-influence-so-important-for-the-ancient-mediterranean-world/ https://sourceessay.com/how-different-singapore-education-system-is-than-the-rest-of-the-world/ https://sourceessay.com/effective-time-management-tips-for-students/ https://sourceessay.com/research-proposal-writing-service/ https://sourceessay.com/workplace-ethics-in-small-businesses/ https://sourceessay.com/exploring-the-difference-between-e-business-model-and-e-business-strategy/ https://sourceessay.com/history-of-black-friday/ https://sourceessay.com/top-5-places-to-visit-in-new-zealand/ https://sourceessay.com/how-to-perfectly-write-research-paper-abstract/ https://sourceessay.com/c-vs-java-an-outstanding-comparison-from-experts-java-vs-c/ https://sourceessay.com/teel-essay-paragraph-structure-writing-tips-guidelines/ https://sourceessay.com/risks-and-benefits-of-children-using-the-internet/ https://sourceessay.com/how-to-write-a-dissertation-proposal/ https://sourceessay.com/theories-of-motivation-analysis-of-maslow-and-mcclelland/ https://sourceessay.com/top-common-cause-of-the-apathy-among-young-adults/ https://sourceessay.com/what-is-guerrilla-marketing/ https://sourceessay.com/how-christmas-is-celebrated-around-the-world/ https://sourceessay.com/swot-analysis-of-starbucks/ https://sourceessay.com/how-to-write-effective-essay-conclusions/ https://sourceessay.com/vygotskys-theory-of-psychological-development/ https://sourceessay.com/how-to-write-political-science-essay/ https://sourceessay.com/7-key-elements-to-mention-in-the-coca-cola-case-study/ https://sourceessay.com/employee-satisfaction-and-work-motivation-are-they-both-related/ https://sourceessay.com/how-work-life-balance-manipulates-social-eco-systems-study-from-australia-perspective/ https://sourceessay.com/an-introduction-to-the-asch-conformity-experiment-behavior-psychology/ https://sourceessay.com/developing-yourself-as-an-effective-human-resources-practitioner/ https://sourceessay.com/finlands-education-system/ https://sourceessay.com/10-tips-for-writing-a-dissertation-methodology/ https://sourceessay.com/how-to-write-a-conclusion-for-a-research-paper/ https://sourceessay.com/elastic-and-inelastic-demand-the-most-significant-key-differences/ https://sourceessay.com/guide-for-the-informative-essay-structure/ https://sourceessay.com/triangle-model-of-project-management/ https://sourceessay.com/why-is-marketing-research-important-for-business/ https://sourceessay.com/influence-the-market-by-influencer-marketing-benefits-and-roles/ https://sourceessay.com/customized-java-assignment-help/ https://sourceessay.com/10-historical-maori-sites-and-landmarks-new-zealand/ https://sourceessay.com/guide-for-writing-an-argumentative-essay/ https://sourceessay.com/how-do-you-formulate-a-hypothesis-hypothesis-testing-assignment-help/ https://sourceessay.com/role-of-spatial-order-in-framing-exemplary-assignments/ https://sourceessay.com/term-paper-writing-service-from-phd-assignment-writer/ https://sourceessay.com/an-elaborate-overview-of-how-to-write-a-synthesis-essay/ https://sourceessay.com/guide-to-make-assignments-plagiarism-free/ https://sourceessay.com/an-introduction-to-prosocial-behavior-behavior-psychology/ https://sourceessay.com/essay-structure-and-other-tips-to-ace-your-assignment/ https://sourceessay.com/effect-vs-affect-the-easiest-way-to-remember-the-concept/ https://sourceessay.com/online-dissertation-writing-services/ https://sourceessay.com/implementing-5-stages-for-the-consumer-decision-making-process/ https://sourceessay.com/ilac-method-a-comprehensive-guide-in-law-essays/ https://sourceessay.com/effective-margin-finance-of-countries/ https://sourceessay.com/online-essay-writing-services/ https://sourceessay.com/netflix-marketing-plan-swot-analysis/ https://sourceessay.com/how-does-multiculturalism-influence-an-organizations-economic-outlook/ https://sourceessay.com/custom-coursework-help/ https://sourceessay.com/understanding-the-virtual-concept-of-philosophical-essay-writing/ https://sourceessay.com/interview-hacks-for-students-5-tips-and-tricks-to-pass-your-interview/ usa- http://www5.inegi.org.mx/snippets/283 https://sourceessay.com/effect-vs-affect-the-easiest-way-to-remember-the-concept/ https://sourceessay.com/how-many-pages-is-1000-words/ https://sourceessay.com/top-10-finance-research-paper-topics-for-college-students/ https://sourceessay.com/8-stages-of-communication/ https://sourceessay.com/best-literary-analysis-on-macbeth-essay-writing/ https://sourceessay.com/top-10-finance-research-paper-topics-for-college-students/ https://sourceessay.com/cigarettes-should-be-illegal-argumentative-essay/ https://sourceessay.com/positive-and-negative-effects-of-advertisement/ https://sourceessay.com/product-life-cycle-of-smartphones/ https://sourceessay.com/important-elements-of-movie-review/ https://sourceessay.com/how-to-write-short-essay-effectively/ https://sourceessay.com/understanding-vroom-expectancy-theory-of-motivation/ https://sourceessay.com/an-introduction-to-alliterations/ https://sourceessay.com/an-introduction-to-prosocial-behavior-behavior-psychology/ https://sourceessay.com/elastic-and-inelastic-demand-the-most-significant-key-differences/ https://sourceessay.com/vygotskys-theory-of-psychological-development/ https://sourceessay.com/who-invented-homework-and-why/ https://sourceessay.com/winning-tips-to-complete-administrative-law-paper-easily/ https://sourceessay.com/online-dissertation-writing-services/ https://sourceessay.com/custom-coursework-help/ https://sourceessay.com/research-paper-writing-service/ https://sourceessay.com/admission-essay-help-from-experienced-essay-writer/ https://sourceessay.com/online-assignment-help-assistance/ https://sourceessay.com/plagiarsim-free-academic-essay-at-sourceessay/ https://sourceessay.com/assignments-proofreading-help-by-academic-experts/ https://sourceessay.com/thesis-help/ https://sourceessay.com/research-proposal-writing-service/ https://sourceessay.com/term-paper-help/ https://sourceessay.com/urgent-case-study-assignment-help/ https://sourceessay.com/why-source-essay/ https://sourceessay.com/online-essay-writing-service-trusted-by-students/ https://sourceessay.com/faq/ https://sourceessay.com/find-us/ https://sourceessay.com/how-many-pages-is-1000-words/ https://sourceessay.com/how-covid-19-impacting-universities-of-us/ https://sourceessay.com/teel-essay-paragraph-structure-writing-tips-guidelines/ https://sourceessay.com/students-mobile-learning-practices-in-higher-education-in-usa/ https://sourceessay.com/how-to-avoid-plagiarism-in-writing-research-paper/ https://sourceessay.com/how-is-google-search-affecting-our-intelligence/ https://sourceessay.com/coronavirus-pandemic-how-safe-is-your-academic-career-what-can-you-do-about-it/ https://sourceessay.com/avail-expert-help-for-mass-communication-assignment-help/ https://sourceessay.com/how-different-singapore-education-system-is-than-the-rest-of-the-world/ https://sourceessay.com/project-management-assignment-help-a-quick-rescue-for-your-needs/ https://sourceessay.com/hr-strategy-at-apple-make-their-employees-creative-and-innovative/ https://sourceessay.com/interview-hacks-for-students-5-tips-and-tricks-to-pass-your-interview/ https://sourceessay.com/how-ai-curriculum-can-prepare-students-for-success-in-a-new-world/ https://sourceessay.com/will-covid-19-bring-a-breakthrough-in-online-education/ https://sourceessay.com/useful-tricks-for-mastering-a-new-programming-assignment/ https://sourceessay.com/ilac-method-a-comprehensive-guide-in-law-essays/ https://sourceessay.com/7-key-elements-to-mention-in-the-coca-cola-case-study/ https://sourceessay.com/linkedin-for-student-a-kick-starter-for-your-academic-career/ https://sourceessay.com/pertinent-ways-big-data-can-transform-lead-generation/ https://sourceessay.com/know-about-clinical-reasoning-cycle-nursing-assignment-help/ singapore- https://sourceessay.com/how-many-pages-is-1000-words/ https://sourceessay.com/an-introduction-to-alliterations/ https://sourceessay.com/capstone-project-assignment-help/ https://sourceessay.com/significance-of-thanksgiving-day/ https://sourceessay.com/understanding-vroom-expectancy-theory-of-motivation/ https://sourceessay.com/finlands-education-system/ https://sourceessay.com/elastic-and-inelastic-demand-the-most-significant-key-differences/ https://sourceessay.com/vygotskys-theory-of-psychological-development/ https://sourceessay.com/understanding-vroom-expectancy-theory-of-motivation/ https://sourceessay.com/guide-for-writing-a-position-paper/ https://sourceessay.com/understanding-vroom-expectancy-theory-of-motivation/ https://sourceessay.com/a-pestle-analysis-of-apple-inc/ https://sourceessay.com/8-stages-of-communication/ https://sourceessay.com/understanding-vroom-expectancy-theory-of-motivation/ https://sourceessay.com/how-to-write-a-reflection-paper/ ARAB http://www.arabessay.com/united-arab-emirates-national-day-essay-writing/ http://www.arabessay.com/interesting-facts-about-burj-al-arab/ http://www.arabessay.com/why-dubai-is-known-as-the-city-of-gold/ http://www.arabessay.com/essay-on-burj-khalifa-worlds-tallest-building/ http://www.arabessay.com/an-essay-about-the-emirate-of-ajman/ http://www.arabessay.com/sheikh-zayed-mosque-abu-dhabi/ http://www.arabessay.com/tag/sheikh-zayed-ajman-mosque/ http://www.arabessay.com/essay-on-women-empowerment-in-the-uae/ http://www.arabessay.com/how-new-year-is-celebrated-in-the-united-arab-emirates/ http://www.arabessay.com/an-essay-on-the-dubai-palm-islands-largest-man-made-island-in-the-world/ http://www.arabessay.com/an-introduction-to-louvre-abu-dhabi/ http://www.arabessay.com/new-years-eve-celebration-in-dubai-opera/ http://www.arabessay.com/how-to-write-a-descriptive-essay-structure-and-techniques/ http://www.arabessay.com/10-crazy-facts-about-dubai/ http://www.arabessay.com/tag/difference-between-weighted-and-unweighted-gpa/ http://www.arabessay.com/an-essay-on-the-dubai-palm-islands-largest-man-made-island-in-the-world/ http://www.arabessay.com/an-investigation-of-emerging-risks-associated-with-online-banking/ http://www.arabessay.com/Pros+And+Cons+Of+Doing+Homework+In+A+Group http://www.arabessay.com/do-smartphones-increase-or-decrease-workplace-productivity/ http://www.arabessay.com/how-to-write-a-descriptive-essay-structure-and-techniques/ http://www.arabessay.com/impact_of_Today’s_Lifestyle_on_our_Health http://www.arabessay.com/how-to-calculate-gpa-using-different-methods/ http://www.arabessay.com/what-is-the-difference-between-concept-map-and-mind-mapping/ http://www.arabessay.com/how-to-write-a-good-speech-to-impress-the-audience/ http://www.arabessay.com/importance-of-education-in-human-development/ http://www.arabessay.com/tips-for-writing-a-sattire-essay/ http://www.arabessay.com/pros-and-cons-of-wearing-uniforms-at-work/ http://www.arabessay.com/tag/united-arab-emirates-national-day/ http://www.arabessay.com/what-are-the-determinants-of-changes-in-global-disaster-patterns/ http://www.arabessay.com/eating-disorders-anorexia-and-bulimia/ http://www.arabessay.com/how-to-write-a-memorable-college-essay-online-essay-help/ http://www.arabessay.com/what-is-a-pestel-analysis/ http://www.arabessay.com/tips-for-writing-a-perfect-analytical-essay/ http://www.arabessay.com/how-to-write-a-cohesive-essay/ http://www.arabessay.com/impact-of-internet-on-our-society/ http://www.arabessay.com/what-is-conceptual-framework-in-thesis/ http://www.arabessay.com/important-elements-you-should-know-while-writing-an-argumentative-essay/ http://www.arabessay.com/differences-between-academic-writing-and-technical-writing/ http://www.arabessay.com/environmental-influence-and-its-impact-on-behavior-development/ http://www.arabessay.com/awesome-tips-for-writing-a-thesis-term-papers-by-assignment-writer/ http://www.arabessay.com/impact-of-cinema-on-society/ http://www.arabessay.com/How+relevant+is+GAAP+Money+measurement+in+valuation+of+employees http://www.arabessay.com/how-to-write-a-problem-solution-essay/ http://www.arabessay.com/fascism-and-nazism-are-these-two-concepts-different-or-the-same/ http://www.arabessay.com/how-to-elaborate-a-descriptive-essay-thesis-statement/ http://www.arabessay.com/why-dubai-is-known-as-the-city-of-gold/ http://www.arabessay.com/how-new-year-is-celebrated-in-the-united-arab-emirates/ http://www.arabessay.com/how-to-put-examples-in-your-essay/ http://www.arabessay.com/interesting-facts-about-burj-al-arab/ http://www.arabessay.com/youth-violence-and-its-associated-risk-factors/ http://www.arabessay.com/history-of-visual-communication-rocks-cave/ http://www.arabessay.com/importance-of-journalism-essay-writing/ http://www.arabessay.com/issues-on-industrial-relations-and-human-resource-management/ http://www.arabessay.com/importance-of-flexibility-at-work/ http://www.arabessay.com/tag/influence-the-emotional-maturity/ http://www.arabessay.com/role-of-it-management-in-an-organization-by-assignment-writer/ http://www.arabessay.com/essay-on-personality-development/ http://www.arabessay.com/is-education-too-commercialized-nowadays-argumentative-essay/ http://www.arabessay.com/should-more-rights-be-given-to-immigrants/ http://www.arabessay.com/an-analysis-of-the-macroeconomic-factors-affecting-exchange-rates/ http://www.arabessay.com/bootstrapping-in-entrepreneurship/ http://www.arabessay.com/tips-for-writing-a-music-review/ http://www.arabessay.com/why-fostering-creativity-in-a-classroom-is-important/ http://www.arabessay.com/tag/leadership-assignment-for-students/ http://www.arabessay.com/how-do-you-develop-interpersonal-skills/ http://www.arabessay.com/the-role-of-global-mindset-in-developing-global-leaders/ http://www.arabessay.com/ethical-manufacturing/ http://www.arabessay.com/different-types-of-essays/ http://www.arabessay.com/how-teachers-affect-the-life-of-students/ http://www.arabessay.com/what-is-behavioral-marketing/ http://www.arabessay.com/antisocial-personality-disorder-essay/ http://www.arabessay.com/iot-security-issues-and-effective-solutions/ http://www.arabessay.com/tag/commercialization-in-education/ http://www.arabessay.com/an-introduction-to-islamic-civilization/ http://www.arabessay.com/how-to-review-a-technical-research-paper/ http://www.arabessay.com/tag/impressive-persuasive-speech/ http://www.arabessay.com/tips-for-writing-an-annotated-bibliography/ http://www.arabessay.com/tag/importance-of-interpersonal-skills/ http://www.arabessay.com/students-top-20-construction-dissertation-topics/ http://www.arabessay.com/e-commerce-in-the-middle-east/ http://www.arabessay.com/research-proposal-writing-service/ http://www.arabessay.com/an-essay-about-the-emirate-of-ajman/ http://www.arabessay.com/tag/meeting-deadlines-skills/ OMAN https://omanessay.com/middle-east-college/ http://omanessay.com/provisions-of-labor-law-in-oman/ http://omanessay.com/the-arab-open-university/ https://omanessay.com/majan-college/ http://omanessay.com/human-resource-management/ https://omanessay.com/sohar-university/ http://omanessay.com/nizwa-fort-in-oman-essay-writing/ http://omanessay.com/tag/gulf-college-muscat/ http://omanessay.com/marketing-strategies-of-bank-muscat/ http://omanessay.com/is-technology-limiting-creativity/ https://omanessay.com/majan-college/ https://omanessay.com/is-education-too-commercialized-nowadays/ http://omanessay.com/what-role-does-advertising-play-in-microeconomics/ http://omanessay.com/what-should-be-the-punishment-for-cyberbullying/ https://omanessay.com/what-are-the-main-factors-that-can-affect-social-cognition-within-a-family/ http://omanessay.com/sohar-university/ https://omanessay.com/importance-of-employee-empowerment-in-an-organization/ http://omanessay.com/difference-between-endnotes-and-footnotes/ http://omanessay.com/an-introduction-to-managerial-psychology/ https://omanessay.com/how-many-pages-are-covered-by-1000-words-assignment/ http://omanessay.com/how-do-marketing-strategies-differ-across-different-cultures/ http://omanessay.com/how-to-finish-dissertation-within-a-week/ http://omanessay.com/pros-and-cons-of-e-learning/ https://omanessay.com/how-to-write-dialogue-in-an-essay-usage-formatting-and-punctuation-rules/ https://omanessay.com/steps-for-writing-an-informative-essay-structure/ https://omanessay.com/tips-from-experts-to-write-a-creative-visual-analysis-essay/ http://omanessay.com/self-improvement-self-hypnosis/ https://omanessay.com/how-to-write-a-progress-report/ https://omanessay.com/is-it-easy-to-learn-java/ http://omanessay.com/what-are-the-disadvantages-of-conceptual-framework/ http://omanessay.com/tag/personal-professional-development-assignment/ https://omanessay.com/operation-and-project-management-assignment-2/ https://omanessay.com/why-journalism-is-important-to-a-democracy/ http://omanessay.com/the-arab-open-university/ http://omanessay.com/10-ways-to-handle-peer-pressure/ http://omanessay.com/role-of-the-human-resources-manager-in-an-organization-essay/ http://omanessay.com/10-influential-memory-theories-studies-in-psychology/ http://omanessay.com/online-education-vs-classroom-learning-know-which-one-is-best-for-you/ https://omanessay.com/thematic-essay-writing-guide/ https://omanessay.com/tips-for-writing-character-analysis-essay/ https://omanessay.com/importance-of-education-in-human-development/ https://omanessay.com/online-education-vs-classroom-learning-know-which-one-is-best-for-you/ https://omanessay.com/5-emotive-techniques-in-persuasive-writing/ https://omanessay.com/computer-science-and-robotics/ https://omanessay.com/tag/social-cognitive-theory/ http://omanessay.com/nizwa-fort-in-oman-essay-writing/ http://omanessay.com/types-of-performance-appraisal/ https://omanessay.com/types-of-infant-temperament/ https://omanessay.com/tag/data-analysis/ https://omanessay.com/how-to-write-an-effective-research-paper/ http://omanessay.com/how-to-choose-the-correct-research-methodologies/ https://omanessay.com/a-comparison-of-the-plasticity-of-the-child-brain-and-the-adult-brain/ http://omanessay.com/tips-for-writing-a-persuasive-essay/ https://omanessay.com/impact-of-interest-rate-on-stock-market/ https://omanessay.com/tag/uml-concepts-and-features/ External 19. At 9:46AM on 13 February 2021, oliva wrote MYOB Perdisco Assignment Help Online Need instant assignment help in writing MYOB Perdisco assignments? Students can now get expert essay help from SourceEssay. We have a team of qualified professionals who make sure the assignments are written with accuracy, proofread by subject matter experts and delivered to students on time Contact us to get MYOB presico assignment help online from SourceEssay. External 20. At 9:47AM on 13 February 2021, rehani wrote http://omanessay.com/ https://omanessay.com/about-us/'>https://omanessay.com/about-us/ https://omanessay.com/services/'>https://omanessay.com/services/ https://omanessay.com/contact-us/'>https://omanessay.com/contact-us/ https://www.arabessay.com/ https://www.arabessay.com/about/ https://www.arabessay.com/services/ https://www.arabessay.com/contact/ https://www.arabessay.com/blog/ PRO Essay Writer Service: Custom Writing Help Online 24/7 Pro essay writer will get your paper done today! https://sourceessay.com/united-states/'>https://sourceessay.com/united-states/ https://sourceessay.com/essay-writing-service-in-singapore/'>https://sourceessay.com/essay-writing-service-in-singapore/ https://sourceessay.com/canada-2/'>https://sourceessay.com/canada-2/ http://sourceessay.com/malaysia-essay-writing/ https://sourceessay.com/new-zealand/'>https://sourceessay.com/new-zealand/ http://sourceessay.com/essay/australia/ https://sourceessay.com/england/'>https://sourceessay.com/england/ https://sourceessay.com.de/ https://omanessay.com/ https://arabessay.com/ https://youtu.be/vcUh9q1x508 https://youtu.be/JTVs_gVl-3E https://youtu.be/AGoQVNODK60 https://youtu.be/HCuIPaW6oa0 https://youtu.be/VPADAJ9jo6c https://youtu.be/0PsYasf_23o3 https://youtu.be/EQ6SeWIY2AQ https://youtu.be/FMFc4oUAgpo https://youtu.be/lptqw8hiSJU https://youtu.be/yAEpSH_EOEA https://youtu.be/bfSERdmrL8c https://www.youtube.com/watch?v=OPHvbGr9Y6k https://www.youtube.com/watch?v=qrhCNJnyT50 https://youtu.be/LP3rULnALKY https://youtu.be/ltvXeSCXcOI https://youtu.be/60EGsa02P30 https://youtu.be/U59gZ9fMjEA https://youtu.be/GSK1hVMAFFk https://youtu.be/WtK05tY4Dao https://youtu.be/5DexaTeVQjs https://youtu.be/0-0ZyTlcXmA https://youtu.be/RnYxOmdXgl4 https://youtu.be/7d0mPV2cdOQ https://youtu.be/fy9-azEPMAM https://youtu.be/IdPY5vdEqpQ https://youtu.be/gycGgmNLeNc https://youtu.be/9IQ8CKwhvIc https://sourceessay.com/united-states/'>https://sourceessay.com/united-states/ https://sourceessay.com/complete-your-papers-with-online-assignment-writers/'>https://sourceessay.com/complete-your-papers-with-online-assignment-writers/ https://sourceessay.com/essay-writing-service-in-singapore/'>https://sourceessay.com/essay-writing-service-in-singapore/ https://sourceessay.com/category/assignment-help-canada/'>https://sourceessay.com/category/assignment-help-canada/ https://sourceessay.com/8-reasons-why-having-an-excellent-tuition-assignment-is-not-enough/'>https://sourceessay.com/8-reasons-why-having-an-excellent-tuition-assignment-is-not-enough/ https://sourceessay.com/tag/instant-essay-help/'>https://sourceessay.com/tag/instant-essay-help/ https://sourceessay.com/nail-your-narrative-essay-outline-with-essay-typer-help/'>https://sourceessay.com/nail-your-narrative-essay-outline-with-essay-typer-help/ https://sourceessay.com/contact-writers/'>https://sourceessay.com/contact-writers/ https://sourceessay.com/online-assignment-help-assistance/'>https://sourceessay.com/online-assignment-help-assistance/ https://sourceessay.com/australia/'>https://sourceessay.com/australia/ https://sourceessay.com/tag/tuition-assignment/'>https://sourceessay.com/tag/tuition-assignment/ https://sourceessay.com/a-grade-thematic-essay-heres-how-you-do-it/'>https://sourceessay.com/a-grade-thematic-essay-heres-how-you-do-it/ https://sourceessay.com/ https://sourceessay.com/customized-essay-writing-services/ https://sourceessay.com/essay-structure-and-other-tips-to-ace-your-assignment/ https://www.facebook.com/plugins/video.php?height=314&href=https%3A%2F%2Fwww.facebook.com%2Fsourceessayaustralia%2Fvideos%2F1237153523313318%2F&show_text=false&width=560 https://www.facebook.com/plugins/video.php?height=314&href=https%3A%2F%2Fwww.facebook.com%2Fsourceessayaustralia%2Fvideos%2F1237153523313318%2F&show_text=false&width=560 https://twitter.com/Sourceessay1/status/1317342649863475200?s=09 https://twitter.com/OmanEssay/status/1318063716420603904?s=20 https://m.facebook.com/story.php?story_fbid=2667495216900096&id=1616433468672948&sfnsn=wiwspmo https://www.facebook.com/sourceessayaustralia/posts/1504017769783439 https://m.facebook.com/story.php?story_fbid=2669261883390096&id=1616433468672948&sfnsn=wiwspmo https://www.linkedin.com/posts/arabessay_operations-activity-6727046731260866560-qVm_ https://twitter.com/ArabEssay/status/1321283801587339266?s=19 https://flipboard.com/@OmanEssay?from=share&utm_source=flipboard&utm_medium=curator_share https://youtu.be/gycGgmNLeNc https://www.instagram.com/p/CG_Zv8Tgzac/?igshid=ti9yrjg8mt9s https://www.instagram.com/p/CHP8ZE-goNS/?igshid=vq4072nz3us0 https://sourceessay.com/ https://sourceessay.com/effect-vs-affect-the-easiest-way-to-remember-the-concept/ https://sourceessay.com/online-assignment-help-assistance/'>https://sourceessay.com/online-assignment-help-assistance/ https://sourceessay.com/impact-of-tourism-on-singapore-economy-singapore-assignment-help/ https://sourceessay.com/how-to-write-better-discursive-essays-tips-to-improve-your-writing-skills/ https://sourceessay.com/how-many-pages-is-1000-words/ https://sourceessay.com/how-covid-19-impacting-universities-of-us/ https://sourceessay.com/how-to-write-short-essay-effectively/ http://www.arabessay.com/countering-coronavirus-epidemic-hard-lessons-to-be-learnt/ External 21. At 3:22PM on 13 February 2021, Mongolia tourism wrote Despite being beautiful and safe why Mongolia is less visited by tourists as compared to other destinations? This question is asked very often by travelers who are interested in exploring new places. External 22. At 3:25PM on 13 February 2021, Mongolia travel wrote We are dedicated to providing unforgettable experiences. We understand that joining small groups and receiving personal attention is very important to your enjoyment. External 23. At 3:29PM on 13 February 2021, Mongolia travel wrote We are dedicated to providing unforgettable experiences. We understand that joining small groups and receiving personal attention is very important to your enjoyment. External 24. At 7:57AM on 19 February 2021, Videography west palm beach wrote kvl media is providing a perfect videography service in west palm beach, florida External 25. At 9:58AM on 20 February 2021, love spells that work wrote Thanks for sharing your amazing thoughts. It’s really nice and well-explained External 26. At 3:46PM on 23 February 2021, heavy detergent Houston wrote Hasten Cleanse rapidly bonds itself to hydrocarbon particles. Once bonded, Hasten Cleanse quickly suppresses vaporization by raising the products flash point External 27. At 10:22AM on 24 February 2021, Front Pivot Doors wrote We have voraciously pursued the knowledge and techniques of past eras, recreating not only the forms but the techniques of these masters. External 28. At 8:35PM on 24 February 2021, Cute anime Girl wrote If you are a anime lover then a cute anime girl is perfect choice for all of the boys. You will enjoy a lot. External 29. At 11:52AM on 27 February 2021, Digital marketing in surat wrote Digital marketing in surat also called online marketing, IT company is the promotion of brands to connect with potential customers using the internet and other forms of digital communication. External 30. At 8:03PM on 06 March 2021, Organic Chicken Breast al ain wrote
