The Only Direction They’re Going is Up

By News Editor 5 years ago

Anna gives an insight into what $aintpass means for the St Andrews community, and what they are trying to accomplish in the very near future.

All students want to belong. We want to belong to societies, friends, partners. We want to be part of a community. Perhaps just as important, we want to save money. Whether it’s an extra five quid to spend at the Union or saving up for a Reading Week trip to Amsterdam, everyone likes to think that they are being smart with their money.

The issue lies in the fact that saving money isn’t always easy. In St Andrews, it can cost £20 to go out to lunch, and we’ve all experienced the frustrating feeling of our bank accounts notifying us of the ten tequila shots we bought the night before. While we tend to spend a lot of money on non-essentials, finding straightforward and convenient systems to save money just seems like too much effort to a lot of students.

Source: Pixababy

However, if we managed to save a few pounds every time we bought lunch, or taxied from DRA, or went for a haircut at Spoiled, we could better afford those cringe nights of buying shots for your friend’s flat mate’s lab partner.

Saintpass seems to be the most efficient and effective way to save that extra money in St Andrews. Businesses such as Rocca, Forgans, Dominos, M&Co, Spoiled and Jo Malone agreed to be part of this new community: a community which aims to save students money, while encouraging them to support local businesses.

In practice, Saintpass is an open membership group which allows student members to receive discounts at all partnering businesses. Saintpass receives no funding from the Student Association or the University, but its commitment to students as well as local shops and restaurants makes it a community in St Andrews worth being a part of.

Source: Pixababy

Over 1,500 students are currently members of Saintpass, along with 50 plus businesses, but founding member Jonah Lowenstein says that this is only the beginning. As of now, Saintpass members use physical cards which can be presented at Saintpass businesses in order to receive prearranged discounts. However, looking to the future, Jonah sees Saintpass becoming a digital based system.

Much like the concept of Apple Pay and London based HR company Perkbox, the future of Saintpass looks to become a digital “pay back” system in which students can essentially be paid for shopping locally, just by taping their debit cards on a machine. Jonah envisions an app like system in which notifications would recommend discounts to students at varying businesses around town. The more transactions each student makes, the more they save and the more local business benefit.

While Saintpass operates as an open community, welcoming all to participate and engage, St Andrews is known for its exclusive committees and societies. Many of these offer hearty discounts at big name local businesses, and members of these societies feel a certain loyalty towards their sponsors. These society-business partnerships benefit both parties, yet Saintpass merely does the same but on a non-exclusive, nearly all-encompassing basis.

On the topic of membership and participation Jonah commented, “There is no perfect Saintpass user”. Some students will join to save money, others will to support their local business, and still others to be a part of a larger community. Popular groups such as BPM have partnered with Saintpass to allow members access to their event’s coveted tickets. In this way, Saintpass seems to be making St Andrews more accessible to everyone in more than one way.

Source: Pixababy

Only time will tell if Saintpass becomes an integral part of student life here in St Andrews, but the only direction they look to be going is up.

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  274. Understanding COSC Certification and Its Importance in Horology
    COSC Accreditation and its Stringent Standards
    COSC, or the Controle Officiel Suisse des Chronometres, is the authorized Switzerland testing agency that attests to the precision and accuracy of timepieces. COSC certification is a mark of quality craftsmanship and trustworthiness in timekeeping. Not all timepiece brands seek COSC certification, such as Hublot, which instead sticks to its proprietary stringent standards with mechanisms like the UNICO calibre, attaining similar accuracy.

    The Art of Precision Chronometry
    The central mechanism of a mechanical timepiece involves the mainspring, which provides energy as it unwinds. This system, however, can be susceptible to environmental factors that may influence its precision. COSC-accredited movements undergo demanding testing—over fifteen days in various conditions (five positions, 3 temperatures)—to ensure their durability and dependability. The tests assess:

    Average daily rate precision between -4 and +6 seconds.
    Mean variation, highest variation rates, and effects of thermal variations.
    Why COSC Validation Matters
    For watch fans and connoisseurs, a COSC-validated watch isn’t just a item of tech but a testament to enduring quality and precision. It represents a timepiece that:

    Provides exceptional reliability and accuracy.
    Ensures confidence of superiority across the entire construction of the timepiece.
    Is apt to maintain its value more efficiently, making it a sound investment.
    Famous Chronometer Brands
    Several famous manufacturers prioritize COSC accreditation for their timepieces, including Rolex, Omega, Breitling, and Longines, among others. Longines, for instance, presents collections like the Archive and Spirit, which feature COSC-accredited mechanisms equipped with advanced materials like silicone balance suspensions to improve resilience and performance.

    Historical Context and the Development of Chronometers
    The notion of the chronometer originates back to the requirement for precise chronometry for navigational at sea, emphasized by John Harrison’s work in the eighteenth century. Since the formal establishment of Controle Officiel Suisse des Chronometres in 1973, the accreditation has become a yardstick for assessing the accuracy of luxury watches, sustaining a legacy of superiority in watchmaking.

    Conclusion
    Owning a COSC-certified watch is more than an aesthetic selection; it’s a commitment to excellence and precision. For those appreciating precision above all, the COSC validation provides peace of mind, ensuring that each accredited timepiece will operate reliably under various circumstances. Whether for individual satisfaction or as an investment decision, COSC-certified watches stand out in the world of watchmaking, maintaining on a legacy of precise chronometry.

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  278. chronometer watches
    Understanding COSC Certification and Its Importance in Horology
    COSC Accreditation and its Stringent Criteria
    COSC, or the Controle Officiel Suisse des Chronometres, is the official Swiss testing agency that verifies the precision and accuracy of wristwatches. COSC validation is a symbol of quality craftsmanship and dependability in timekeeping. Not all watch brands follow COSC validation, such as Hublot, which instead adheres to its proprietary demanding standards with mechanisms like the UNICO, attaining similar precision.

    The Art of Exact Timekeeping
    The central mechanism of a mechanical watch involves the mainspring, which provides power as it loosens. This system, however, can be vulnerable to environmental elements that may influence its precision. COSC-certified movements undergo strict testing—over fifteen days in various circumstances (5 positions, 3 temperatures)—to ensure their resilience and dependability. The tests assess:

    Average daily rate precision between -4 and +6 seconds.
    Mean variation, maximum variation rates, and impacts of thermal changes.
    Why COSC Accreditation Is Important
    For watch enthusiasts and connoisseurs, a COSC-accredited timepiece isn’t just a piece of technology but a testament to enduring excellence and accuracy. It signifies a watch that:

    Presents exceptional dependability and accuracy.
    Ensures confidence of quality across the whole construction of the watch.
    Is likely to maintain its value better, making it a sound investment.
    Well-known Chronometer Manufacturers
    Several renowned brands prioritize COSC validation for their watches, including Rolex, Omega, Breitling, and Longines, among others. Longines, for instance, presents collections like the Archive and Soul, which highlight COSC-validated mechanisms equipped with cutting-edge substances like silicon balance springs to enhance durability and efficiency.

    Historic Context and the Development of Chronometers
    The idea of the timepiece dates back to the requirement for exact timekeeping for navigational at sea, emphasized by John Harrison’s work in the 18th cent. Since the official establishment of COSC in 1973, the accreditation has become a standard for judging the precision of high-end watches, continuing a legacy of excellence in horology.

    Conclusion
    Owning a COSC-certified timepiece is more than an visual selection; it’s a dedication to excellence and precision. For those valuing precision above all, the COSC validation provides peacefulness of thoughts, ensuring that each accredited watch will perform reliably under various conditions. Whether for personal contentment or as an investment, COSC-accredited timepieces stand out in the world of horology, maintaining on a tradition of precise chronometry.

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  283. casibom giriş
    En Son Dönemin En Büyük Popüler Kumarhane Sitesi: Casibom

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  313. casibom
    En Son Zamanın En Fazla Gözde Kumarhane Platformu: Casibom

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  331. 레버리지스탁
    로드스탁과 레버리지 방식의 스탁: 투자의 참신한 영역

    로드스탁에서 제공하는 레버리지 방식의 스탁은 주식 시장의 투자법의 한 방법으로, 높은 수익률을 목적으로 하는 투자자들에게 매혹적인 선택입니다. 레버리지 사용을 이용하는 이 전략은 투자하는 사람들이 자신의 자본을 초과하는 자금을 투자할 수 있도록 함으로써, 주식 장에서 훨씬 큰 작용을 행사할 수 있는 기회를 제공합니다.

    레버리지 스탁의 원리
    레버리지 스탁은 일반적으로 투자금을 대여하여 투자하는 방식입니다. 예를 들어, 100만 원의 자금으로 1,000만 원 상당의 주식을 구매할 수 있는데, 이는 투자자가 기본 자본보다 훨씬 훨씬 더 많은 증권을 취득하여, 증권 가격이 증가할 경우 관련된 더 큰 수익을 가져올 수 있게 합니다. 그러나, 증권 값이 떨어질 경우에는 그 손실 또한 증가할 수 있으므로, 레버리지 사용을 이용할 때는 신중하게 생각해야 합니다.

    투자 전략과 레버리지
    레버리지는 특히 성장 가능성이 큰 회사에 적용할 때 유용합니다. 이러한 회사에 큰 비율로 투자하면, 성공적일 경우 상당한 이익을 가져올 수 있지만, 그 반대의 경우 많은 위험성도 감수하게 됩니다. 따라서, 투자하는 사람은 자신의 리스크 관리 능력을 가진 시장 분석을 통해, 일정한 사업체에 얼마만큼의 자본을 적용할지 결정하게 됩니다 합니다.

    레버리지의 이점과 위험성
    레버리지 스탁은 높은 이익을 제공하지만, 그만큼 높은 위험성 동반합니다. 주식 거래의 변화는 예측이 곤란하기 때문에, 레버리지를 이용할 때는 항상 시장 추세를 면밀히 살펴보고, 손해를 최소로 줄일 수 있는 계획을 세워야 합니다.

    최종적으로: 신중한 결정이 필수입니다
    로드스탁을 통해 제공하는 레버리지 방식의 스탁은 막강한 투자 도구이며, 적절히 활용하면 큰 수입을 제공할 수 있습니다. 그렇지만 큰 리스크도 신경 써야 하며, 투자 결정은 충분히 많은 사실과 세심한 고려 후에 실시되어야 합니다. 투자하는 사람의 재정적 상태, 위험을 감수하는 능력, 그리고 장터 상황을 반영한 조화로운 투자 방법이 핵심입니다.

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  333. 주식신용
    로드스탁과 레버리지 스탁: 투자의 새로운 지평

    로드스탁을 통해 제공되는 레버리지 스탁은 주식 시장의 투자법의 한 방법으로, 높은 이익율을 목표로 하는 투자자들을 위해 매력적인 선택입니다. 레버리지 사용을 이용하는 이 방법은 투자하는 사람들이 자신의 자금을 초과하는 자금을 투입할 수 있도록 함으로써, 주식 시장에서 더욱 큰 작용을 행사할 수 있는 기회를 줍니다.

    레버리지 방식의 스탁의 원리
    레버리지 방식의 스탁은 원칙적으로 자본을 대여하여 사용하는 방식입니다. 예시를 들어, 100만 원의 자본으로 1,000만 원 상당의 증권을 사들일 수 있는데, 이는 투자자가 기본적인 투자 금액보다 훨씬 더 많은 증권을 구매하여, 증권 가격이 상승할 경우 관련된 더욱 큰 수익을 가져올 수 있게 됩니다. 하지만, 주식 가격이 하락할 경우에는 그 손해 또한 커질 수 있으므로, 레버리지를 이용할 때는 신중해야 합니다.

    투자 계획과 레버리지 사용
    레버리지 사용은 특히 성장 잠재력이 높은 사업체에 적용할 때 효과적입니다. 이러한 기업에 높은 비중으로 투자하면, 성공적일 경우 큰 이익을 가져올 수 있지만, 그 반대의 경우 상당한 리스크도 감수해야. 따라서, 투자하는 사람은 자신의 위험성 관리 능력과 시장 분석을 통해, 어느 회사에 얼마만큼의 자본을 투자할지 선택해야 합니다.

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