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ECEQ: Transforming Sustainable Finance with Blockchain-Powered Environmental Fund

Sam Allcock
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ECEQ: Transforming Sustainable Finance with Blockchain-Powered Environmental Fund

ECEQ Introduces Revolutionary Green Smart Community Fund to Address Urban Environmental Challenges

ECEQ has unveiled a groundbreaking initiative that seamlessly integrates financial innovation with environmental responsibility. Through its innovative ECEQ token and the Green Smart Community Fund (GSCF), ECEQ is establishing new standards for sustainable investment in the French market and beyond.

The ECEQ Token: Driving Sustainable Development Through Financial Innovation

The ECEQ token represents a sophisticated financial instrument designed specifically to catalyze environmental and technological transformation. By leveraging advanced blockchain technology and artificial intelligence capabilities, ECEQ has created a comprehensive ecosystem that effectively incentivizes and supports sustainable community development initiatives.

“Our vision at ECEQ extends beyond traditional financial returns,” explains the institution’s leadership team. “We’re creating a technological and financial framework that makes sustainable investment both accessible and profitable.”

The ECEQ token incorporates several innovative features that distinguish it within the digital asset landscape:

  • Transparent Blockchain Financing: The ECEQ token utilizes blockchain technology to ensure complete transparency in all financial transactions. This system allows investors to track every aspect of green project investments with unprecedented clarity and accountability.
  • Smart Contract Ecosystem: ECEQ has implemented advanced smart contract technology that automates fund distribution for green initiatives. This automation ensures precise allocation of resources while significantly reducing administrative overhead costs.
  • Decentralized Energy Exchange: One of the most revolutionary aspects of the ECEQ token is its ability to facilitate community-level energy trading. This capability empowers residents and businesses to efficiently utilize and trade renewable energy resources, creating economic incentives for sustainable energy practices.

ECEQ’s Green Smart Community Fund: A Strategic Approach to Environmental Investment

The Green Smart Community Fund (GSCF) represents the cornerstone of ECEQ’s commitment to transformative environmental solutions. With a methodical and strategic approach, ECEQ has developed a comprehensive funding structure that maximizes impact:

ECEQ plans to inject 45% of its total investment returns in 2025 directly into the GSCF, creating a substantial financial foundation for environmental initiatives.

The fund will allocate 15% of investor-generated returns specifically to support environmental protection initiatives, ensuring dedicated resources for ecological projects.

ECEQ has identified critical focus areas including potable water access improvement, air purification technologies, and comprehensive ecological restoration projects.

ECEQ’s Innovative Approach to Incentivizing Ecological Behavior

Beyond traditional investment mechanisms, ECEQ has introduced a revolutionary reward system that directly encourages sustainable living practices through its token ecosystem:

Residents and businesses can earn ECEQ tokens by actively participating in verified low-carbon activities, creating direct financial incentives for sustainable choices.

The system provides specific rewards for utilizing green energy sources, implementing effective waste management practices, and choosing eco-friendly transportation options.

This structure establishes tangible economic benefits for sustainable lifestyle choices, aligning financial interests with environmental responsibility.

Visionary Leadership: Pierre Duboisier’s Environmental Mission at ECEQ

Professor Pierre Duboisier, the driving force behind ECEQ, brings a profound personal commitment to the institution’s environmental initiatives. His philosophy emphasizes that finance must transcend simple wealth generation to become a catalyst for meaningful social progress.

His personal observations of environmental challenges, particularly regarding the Seine River’s ecosystem degradation, have been instrumental in shaping ECEQ’s mission and strategic priorities. This personal connection reflects ECEQ’s commitment to addressing real-world environmental issues through innovative financial mechanisms.

ECEQ’s Future Vision: Smart Cities and Sustainable Development

ECEQ is positioning itself at the forefront of a transformative movement that integrates technology, finance, and environmental stewardship. By combining blockchain capabilities, artificial intelligence, and an unwavering commitment to sustainability, the ECEQ token ecosystem is designed to:

Optimize urban resource management through data-driven solutions and automated efficiency mechanisms.

Enhance investment returns while simultaneously generating positive environmental impact, proving that profitability and sustainability can coexist.

Accelerate the ecological transformation of cities worldwide by providing both the financial resources and technological framework necessary for meaningful change.

About ECEQ

Quantum Mind Business School (ECEQ) stands as a pioneering institution operating at the critical intersection of financial innovation, technological advancement, and environmental sustainability. With a comprehensive global vision and steadfast commitment to transformative solutions, ECEQ is actively redefining the role of finance in creating a more sustainable world.

By combining rigorous financial expertise with cutting-edge technology and ecological consciousness, ECEQ is establishing new paradigms for responsible investment in the 21st century. The institution’s integrated approach demonstrates how financial mechanisms can effectively drive positive environmental outcomes while delivering competitive returns.

For more information about ECEQ’s innovative sustainable finance initiatives, please contact: service@eceq.org

10 Rules to Check the Outsourced Supplier for Testing

Sam Allcock
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10 Rules to Check the Outsourced Supplier for Testing

If you want to steer clear of expensive mistakes when outsourcing testing, it’s smart to take advice from others. Even if you think you’ve got everything figured out like what you want to outsource, having a plan, and knowing the tests you need – the partner-picking process can be tricky since a lot of system integrators can seem pretty much the same.

At best, you will have to develop a method for vetting vendors and their claims yourself, which can take up a lot of your time. Fortunately, the following evaluation list has already been created, which you can immediately apply in practice.

This simple 10-point checklist contains the most important things to consider when choosing a strategic QA outsourcing services partner. Each point is based on the public experience of dozens of businesses.

1. Lowest rate doesn’t equal lowest total cost

When it comes to outsourcing vendors, the old adage, “If it sounds too good to be true, it probably is,” makes sense.

You may be tempted to select a vendor that is offering you a virtual army of testers for what seems like an attractive price, but an experience says, using a small team of rock-star testers is more effective than relying on a large pool of untrained workers.

2. Industry experience counts a lot

Every industry has its own way of doing things, so hiring testers who are totally new to your field will just drag down your testing process. But if you have a team of QA pros who really get how your business runs, they won’t just make testing go smoother so they can also help you target the most important areas to make sure you’re focusing your quality efforts where they matter most.

3. Add staff, or go with a managed service?

If you need testers for a short-term project, you might consider a fixed-cost model, where you negotiate with a contractor within a budget and get the work done. However, if your organization requires ongoing support and the required skill set is not core to your business, then you might want to consider Testing as a Service or dedicated team, where for a fixed fee you will receive a stable package of services over a long period of time. In a well-organized managed service, the testing partner will have an incentive to do the work more efficiently, driving process improvements driven by your carefully negotiated service level agreements.

4. Does your partner have best practices?

Be sure to ask a prospective vendor what unique intellectual property and best practices it can bring to your project. You want a team that has done it before and distilled its years of experience and success in completing projects into a set of best practices, accelerators, methodologies, and tool kits. Having these assets will help accelerate your quality efforts and reduce time to market.

5. Fit cultural compatibility

A good cultural fit is every bit as important as every other criterion. Your partner should get to know your organization, the people, and other vendors that work on your projects. Can it work at your pace, communicate information the way you need it, and be prepared to deal with the level of chaos that exists in your work environment? If it can’t handle the way you work, it’s probably not a good match, no matter how good it is technically.

6. Does your partner speak agile?

The role of testing in agile practices is well documented and understood, yet many organizations still struggle with integrating testing and quality into their agile delivery methods. Choose a partner that has similar views on how testing fits in with your development methods. If, for instance, you are using agile and your partner can’t begin testing until the requirements for the entire system are finalized and delivered, you have a problem.

7. Is doing business with your partner easy?

Transparency, accurate billing, clear communication, good understanding of priorities, and the ability to respond quickly to changing needs? These qualities are essential for an outsourced partner. Be sure to ask whether a prospective vendor is planning to do the work using its own employees or outsource it to a subcontractor. This happens, and it’s not a bad thing if your partner chooses to subcontract, but it should disclose that, and you need to be comfortable with the arrangement.

8. Onshore and offshore: What’s the right mix?

The cost savings from purely offshoring the workforce may seem exhausted. While offshoring remains an integral part of most providers’ offerings, it has few benefits in and of itself. Instead, stick to a sense in which you place teams in the locations that make the most sense for your project’s success. This may mean some on-site, others working remotely, and even more overseas. As long as there is the right level of communication between teams and they can work well together, it shouldn’t matter where they are.

9. Check those references

Of course you will do the due diligence of checking the references that the vendor brings to you, but go beyond that and look around. What are your competitors using? Which vendors are gaining headway in the industry? Check analyst reports and market analysis? You will get a clearer picture of your prospective vendor’s position and market share.

10. Vision and innovation

Being ahead of the curve is a huge plus for any prospective service provider. When you are outsourcing testing, you want to find a partner that can give you guidance based on what’s going on in the industry, share its experience, and propose new ideas, fresh approaches, and different angles. A vendor that can help you focus your effort on the right areas, technologies, and trends is more likely to become a long-term strategic partner.

Montoddler Expands Across 41 States Amid Growing Popularity of Montessori Floor Beds

Sam Allcock
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Montoddler Expands Across 41 States Amid Growing Popularity of Montessori Floor Beds

Montessori-inspired wooden beds gain widespread adoption among US families prioritising independent sleep.

Montoddler, a brand focused on creating independent sleep environments with its Montessori-style toddler beds, has achieved significant expansion in its first three months in the US market, now serving families in 41 states. Florida, New Jersey, and Texas have emerged as key markets, where Montoddler’s Montessori house beds and floor beds have become particularly popular, especially in twin and full sizes.

The company’s rapid early success is reflected in a 92% customer satisfaction rate and an impressive 50% rise in revenue during the Black Friday sales period. In response to surging demand, Montoddler’s production team has invested 1,296 hours over the past quarter, with most orders placed by mothers looking to create nurturing and developmentally supportive sleep spaces for their toddlers.

Accessible sleep environment encouraging autonomy

Montessori beds have gained popularity as parents increasingly recognize their benefits in fostering independence and self-confidence in toddlers. Families, especially those with their first child or twins, have embraced Montoddler’s designs for their ability to provide a safe, accessible sleep environment that encourages autonomy from an early age.

“We are really delighted to see how families across the country are embracing Montoddler’s vision of independent sleep,” said Saim Demirci, Founder of Montoddler. “The response from parents reaffirms our belief in the Montessori approach, and we remain committed to delivering high-quality, thoughtfully designed beds that support child development.”

Popular among parents and educators

While classic wood finishes remain the preferred choice among parents, Montoddler continues to refine its product offerings based on customer feedback and evolving trends. As the brand looks ahead, it aims to expand its reach and further enhance the sleep experience for toddlers across the United States. The brand’s beds are crafted from natural, sustainable materials, offering a blend of safety, functionality, and aesthetics.

Montoddler aims to meet the growing demand for child-friendly, independence-enhancing furniture. Its solutions support the Montessori philosophy, which has gained significant popularity among educators and parents — especially mothers — around the world.

For more information about Montoddler and its range of Montessori-inspired wooden beds, visit https://montoddler.com.

Contact: Saim Demirci | info@montoddler.com

TheNorthernMarkets.com Review Exploring Fees, Spreads & Costs

Sam Allcock
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TheNorthernMarkets.com Review Exploring Fees, Spreads & Costs

TheNorthernMarkets.com review investigates the platform’s fee structure, helping traders understand the costs associated with their transactions. From spreads and commissions to overnight fees, this TheNorthernMarkets.com review aims to clarify the expenses traders may encounter. Hidden costs can impact profitability, making transparency in pricing a key factor when evaluating a trading platform.

Northern Markets structures its fees to align with various trading styles, but the actual costs depend on asset types, account tiers, and trading volume. This review examines how these fees compare to industry averages and whether they present an advantage or disadvantage for users. By analyzing the pricing model, traders can make informed decisions about whether the platform offers competitive value in the market.

Breaking Down Trading Fees

When exploring a trading platform, understanding the structure of trading fees is crucial for both new and experienced traders. The Northern Markets platform is known for its transparent approach to fee breakdowns, offering a detailed view of costs associated with each trade. Traders are presented with clear, upfront information about fees, ensuring there are no surprises during or after executing trades. The fee structure generally includes charges for opening and closing positions, which vary depending on the market and trading instrument selected. 

To give Northern Markets traders a better understanding of their potential costs, the platform also offers a comprehensive overview of its fee schedule. It typically displays the exact charges associated with different trade types, including the size of trades and the instruments used. This level of transparency ensures that users can make well-informed decisions about their trading strategies. It’s important to note that these fees can fluctuate based on factors such as trade volume, leverage, and market conditions.

Spreads & Commissions Explained

In every review, one of the most commonly discussed aspects is the platform’s spreads and commissions. Spreads are the difference between the buying and selling price of a particular asset, and this Northern Markets platform offers competitive spreads across various asset classes. The narrower the spread, the lower the cost of entering and exiting trades, making it an attractive option for traders looking to optimize their profits. These spreads can fluctuate depending on market liquidity, volatility, and the instrument being traded, so it’s essential for users to monitor them closely.

Commissions are another critical aspect to consider, especially for Northern Markets traders who execute frequent trades or large-volume transactions. The platform charges competitive commissions that reflect the value of the services provided. These commissions are typically a fixed percentage of the trade value or a flat fee, depending on the type of asset. For traders who use leverage, commissions may vary based on the margin and the amount of capital being borrowed.

Are There Hidden Charges?

When evaluating a trading platform, one of the most critical concerns for traders is whether there are any hidden charges. The Northern Markets platform is designed to be as transparent as possible when it comes to fees. Traders are encouraged to review the full fee schedule, which covers all potential costs, including trading fees, withdrawal fees, and any applicable commissions. This transparency minimizes the risk of unexpected costs, ensuring that traders are not caught off guard by hidden charges that could affect their profitability.

One of the main advantages of Northern Markets is its commitment to disclosing all relevant charges upfront. There are no deceptive practices where hidden fees appear unexpectedly after executing trades. The platform also provides its users with detailed statements and breakdowns of every transaction, making it easy for traders to track their expenses over time. This approach helps users better understand their overall trading costs and manage their trading budgets accordingly.

Cost Comparison vs. Competitors

When comparing the Northern Markets platform to its competitors, its fee structure remains highly competitive. The platform offers an attractive pricing model that appeals to both casual traders and professionals looking to minimize their overall trading costs. In terms of trading fees, spreads, and commissions, it holds its ground against other well-established platforms. However, what sets it apart is the level of transparency and clarity it offers. 

When looking at the overall value proposition, this Northern Markets platform shows that it offers a compelling combination of low fees and high-quality services. While some competitors may have lower spreads or commission-free trading on certain assets, they often make up for this with additional hidden charges or a lack of transparency. In contrast, this platform provides users with a comprehensive understanding of all associated costs, making it an attractive option for traders who value both transparency and competitive pricing. 

Tips to Lower Your Fees

To make the most of your trading experience and minimize costs, it’s important to take advantage of strategies designed to reduce fees. The Northern Markets platform provides traders with several ways to keep their expenses low. One of the most effective strategies is to take advantage of volume-based discounts. Traders who engage in higher-volume trading can often qualify for reduced fees, making frequent trades more cost-effective. 

Another way to minimize trading costs is by optimizing the use of leverage. By adjusting leverage settings, Northern Markets traders can control the amount of capital they need to commit to each trade, potentially reducing their margin costs. However, it’s important to use leverage responsibly and understand the associated risks. Finally, by staying up-to-date on fee changes and promotions, traders can ensure they are always taking advantage of the best pricing options available. The platform recommends that traders regularly check for any updates to its fee structure and take advantage of any promotional offers that may help lower their overall costs.

Conclusion of the TheNorthernMarkets.com Review

In conclusion, TheNorthernMarkets.com review highlights the platform’s commitment to providing a transparent and competitive pricing structure. From breaking down trading fees to offering cost-effective spreads and commissions, the platform ensures that traders can clearly understand their expenses and make well-informed decisions. With no hidden charges and a fair cost comparison against competitors, users can confidently engage in trades without the worry of unexpected fees eating into their profits.

Additionally, TheNorthernMarkets.com review demonstrates that the platform offers valuable tools to help traders lower their costs, such as volume-based discounts and optimization of leverage settings. These features make the platform an attractive option for those looking to minimize trading expenses. Overall, the transparency in pricing and dedication to keeping costs low ensures that traders of all experience levels can make the most of their trading strategies without excessive financial strain. Whether it’s the clear fee breakdowns or competitive cost structures, 

This article is intended for informational purposes only and does not serve as financial or investment advice. The author is not responsible for any decisions made by the company during your trading activities. The accuracy, completeness, or timeliness of the information provided cannot be guaranteed. You are solely responsible for your own trading and financial choices and should not depend on the content provided here. We disclaim any liability for losses or damages incurred as a result of your investment or trading actions.

Sydney Swans vs. Hawthorn Hawks Live: start time, Stream, TV channel for AFL

Sam Allcock
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Sydney Swans vs. Hawthorn Hawks Live: start time, Stream, TV channel for AFL

Following a stellar season marred by a crushing Grand Final defeat to the Brisbane Lions, the Sydney Swans embark on a new era under head coach Dean Cox. The AFL’s 2025 season launches with a high-stakes Friday night clash at the SCG, as the Swans face a resurgent Hawthorn outfit riding a wave of late-2024 form. Will Sydney exorcise last season’s demons, or can the Hawks announce their arrival as genuine contenders?

Match Details:

Date: Friday, 7 March 2025
Start Times:

  • 7:40 pm AEST (Sydney/Melbourne)
  • 7:10 pm ACST (Adelaide)
  • 4:40 pm AWST (Perth)
    Venue: Sydney Cricket Ground (SCG)

How to Watch Sydney Swans vs. Hawthorn AFL

Free-to-Air: Not broadcast on Channel 7 or 7mate.
Streaming & Pay TV Options:

  • Fox Footy (via Foxtel or Foxtel from Telstra)
  • Binge
  • Kayo Sports:
    • Standard: $25/month (1 screen, HD)
    • Premium: $40/month (2 screens, 4K UHD)
    • No lock-in contracts; 7-day free trial available
      Radio: Triple M, ABC, AFL Nation

Preview

  • Sydney’s Quest for Redemption: Dean Cox steps in to revitalize a squad still haunted by their Grand Final meltdown. With tactical tweaks and renewed focus, the Swans aim to reclaim their dominance.
  • Hawthorn’s Rising Ambition: The Hawks’ strong finish to 2024 has fueled optimism. An opening-round upset could signal their return to AFL relevance.
  • Off-Season Turbulence: Cyclone-related disruptions and a chaotic pre-season have left both teams navigating uncertainty, adding intrigue to their preparations.

2025 AFL Broadcast Guide: Your Weekly Schedule
Monday & Tuesday:

  • The Agenda Setters (7pm local, 7mate/7plus):
    • Monday: Craig Hutchison, Kane Cornes, Caroline Wilson, and Nick Riewoldt dissect the week’s headlines.
    • Tuesday: Kane Cornes leads Dale Thomas, Luke Hodge, and Caroline Wilson in unfiltered debates.

Wednesday:

  • The Front Bar (8:30pm, Channel 7/7plus): Mick Molloy, Sam Pang, and Andy Maher mix laughs and legends.
  • Unfiltered (9:30pm, Channel 7/7plus): Hamish McLachlan’s in-depth interviews with AFL stars.

Thursday:

  • Thursday Night Footy (7pm AEDT, Seven/7plus):
    • Hosts: Rebecca Maddern & Hamish McLachlan
    • Commentary: Brian Taylor & McLachlan
    • Experts: Cornes, Riewoldt, Hodge
    • Post-game: Extra Time analysis with Riewoldt; Roaming Brian on 7plus.

Friday:

  • Friday Night Footy (7pm AEDT, Seven/7mate/7plus):
    • Hosts: Abbey Holmes & James Brayshaw
    • Commentary: Brayshaw & Alister Nicholson
    • Experts: Matthew Richardson, Dale Thomas, and guest stars like Scott Pendlebury.

Saturday:

  • State League Spotlight: Catch VFL, SANFL, and WAFL highlights on Seven/7plus.

Sunday:

  • Sunday Footy Feast (12pm AEDT): Jason Richardson, Campbell Brown, and Kate McCarthy preview the day.
  • Sunday Afternoon Footy (2:30pm AEDT): Abbey Holmes hosts with rotating analysts.
  • The Wash Up (6pm AEDT): Weekend recap with Richardson, Holmes, Brown, and McCarthy.
  • Kane’s Call (7pm AEDT, 7plus): Kane Cornes’ fiery post-round breakdown.

A battle between ambition and resilience. For Sydney, this is more than a season opener—it’s a chance to rewrite the narrative of 2024. For Hawthorn, it’s an opportunity to prove their late surge was no fluke. With fresh tactics, rising stars, and a hunger to impress, expect fireworks as the 2025 AFL season roars to life.

Highlighting International Women’s Day 2025: How to lift other women up in the workplace

Claire James
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Highlighting International Women’s Day 2025: How to lift other women up in the workplace

In collaboration with Frances Nichols, AWS Strategy and Operations Director, Devoteam EMEA

“Women supporting women” has become a popular phrase, yet it risks becoming an empty sentiment if it does not translate into active behaviour shifts and proactive measures to elevate and advance women in the workplace.

As we progress through our careers, and personal lives, our support needs change drastically. I no longer need the same support at work as I did when I joined the workforce, nor when I re-entered the workforce after having children; I now find myself with a new set of support conditions and accommodations I require as a late diagnosed neurodivergent person. 

Regardless of the stage you are at in your career, or your needs and wants, there are actions and behaviours that can build you up to develop and progress in the way you want. 

I have been built up in my career by both female and male colleagues. Some campaigned on my behalf to get me a contract that allowed me access to maternity leave, some pushed me to consider promotions, some spoke favourably about me in strategic conversations, some provided me space in meetings and others simply encouraged me through listening, kindness and empathy.

Unfortunately for all of the things that have built me up, I would say there continues to be as many that could bring me down. I believe that there are subtle but significant ways that professional women are undermined in their performance, potential, recognition, and attainment. I think we can all take action to reward professional women with the fulfilling careers that they want. 

Three keys to lifting women up in the workplace

Lifting women up in the workplace requires observation, insightful responses and actions, and constant attention. Below are just three of the things that come to mind when I think of behaviours that can develop, elevate, accelerate, and build women up, or to combat systematic disadvantages, microaggressions and misjudgments that amount to long term detrimental impacts

  • Challenge the invisible workload

I have experienced and observed in my career that female colleagues tend to inherit, create, and perpetuate additional tasks that serve the team or organisation, but ultimately do not result in the type of activity that advances their experience, credibility, or profile. We can probably all think of a time where we have been landed with the team away day organisation, flowers, birthday card circulation, or more demanding diary management. 

I would suggest that if you look at the ‘stretch’ goals or workload of male peers, there may be tasks with more relevant activities surrounding data and information gathering, presentations, and management delegations – activities that are more likely to enhance their skills and reputations. 

I am always conscious of challenging this task distribution to ensure women don’t end up with a disproportionate share of ‘soft’ tasks. This protects their capacity and allows them to engage in equivalent activities to their male colleagues, addressing both capacity and capability imbalances. 

  • Perfectionism

I still need to remind myself to avoid spending too much time perfecting the formatting, transitions, semantics, and data in order to achieve 100% on a task or output. 

Whilst it is important to deliver something to spec, to a suitable level of quality, it is good to think about the value of the output to you and the organisation. If you spend a disproportionate amount of time perfecting something then you can ultimately compromise its value as your time could have been better spent on other tasks. Striving for excellence doesn’t mean sacrificing productivity.

I would encourage my female colleagues to challenge themselves on the value add activity, rather than closing the last 10%, which is the least visible and rewarding.

  • Encouragement and recognition

Women often struggle to internalise positive feedback. We tend to dismiss or downplay praise, hindering our ability to recognize our achievements and contributions. I am just as bad as receiving praise and good feedback, so much so that a manager once said to me ‘I know you don’t like good feedback’! 

I was shocked that I had given that impression, everyone likes recognition of a good job done. It might be a perception that professional women thrive on constructive criticism; whilst this is hugely valuable, continuing to recognise accomplishments is equally essential, even when it seems to not be received. 

Openly acknowledging good work, both to the individual and to the wider organisational network, not only only raises the profile of female colleagues, but it also fosters a culture of appreciation and growth. Failing to acknowledge achievements can lead to misunderstandings around the value of our contribution, potentially harming our self-esteem and professional development.

Montana Brier 2025: Live Streams, Scores, Schedule, TV Channel Info

Sam Allcock
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Montana Brier 2025: Live Streams, Scores, Schedule, TV Channel Info

The 2025 Montana’s Brier, Canada’s premier men’s curling championship, is set to crown its champion on Sunday, March 9, at Prospera Place in Kelowna, British Columbia. As the official broadcaster, TSN will provide comprehensive coverage of the tournament. Fans can watch every draw live on TSN’s TV channels or stream the action online via the TSN app or TSN.ca. Or alternative way to watch 2025 Montana Brier online via Curling World from anywhere.

Brier live score

Montana Brier 2025 

  • What: Montana Brier Curling
  • When: February 28 to March 9
  • Where: Kelowna, British Columbia
  • TV Channel: TSN (Canada)
  • Live Streaming: Curling World OTT (global)

Brier 2025 pool standings

STANDINGS

Pool A

Team (Skip)

Wins

Losses

Canada (Brad Gushue)

7

0

Manitoba (Matt Dunstone)

6

1

Manitoba (Reid Carruthers)

6

2

Northern Ontario (John Epping)

5

2

Alberta (Kevin Koe)

3

4

British Columbia (Cameron de Jong)

2

5

New Brunswick (James Grattan)

2

5

Newfoundland and Labrador (Ty Dilello)

1

6

Nunavut (Shane Latimer)

0

7

Pool B

Team (Skip)

Wins

Losses

Saskatchewan (Mike McEwen)

7

0

Alberta (Brad Jacobs)

6

0

Nova Scotia (Owen Purcell)

3

3

Ontario (Sam Mooibroek)

3

3

Quebec (Felix Asselin)

3

3

Saskatchewan (Rylan Kleiter)

3

3

Yukon (Thomas Scoffin)

2

4

Prince Edward Island (Tyler Smith)

1

6

Northwest Territories (Aaron Bartling)

0

6

SCHEDULE/RESULTS

Draw 1: Friday, Feb. 28, 9:30 p.m. ET / 6:30 p.m. PT

• Manitoba (Carruthers) 6, British Columbia 5
• Canada 9, Newfoundland and Labrador 2
• Northern Ontario 7, New Brunswick 6
• Manitoba (Dunstone) 6, Alberta (Koe) 2

Draw 2: Saturday, March 1, 4:30 p.m. ET / 1:30 p.m. PT

• Saskatchewan (McEwen) 6, Prince Edward Island 4
• Nova Scotia 7, Saskatchewan (Kleiter) 2
• Alberta (Jacobs) 10, Yukon 3
• Ontario 11, Quebec 4

Draw 3: Saturday, March 1, 9:30 p.m. ET / 6:30 p.m. PT

• Manitoba (Dunstone) 13, Nunavut 2
• Northern Ontario (Epping) 9, Alberta (Koe) 5
• Canada 5, British Columbia 3
• Manitoba (Carruthers) 14, Newfoundland and Labrador 2

Draw 4: Sunday, March 2, 11:30 a.m. ET / 8:30 a.m. PT

• Ontario 12, Northwest Territories 2
• Quebec 7, Yukon 5
• Saskatchewan (McEwen) 8, Nova Scotia 6
• Saskatchewan (Kleiter) 7, Prince Edward Island 4

Draw 5: Sunday, March 2, 4:30 p.m. ET / 1:30 p.m. PT

• Canada 6, Northern Ontario 5
• Manitoba (Dunstone) 7, British Columbia 4
• Manitoba (Carruthers) 5, Alberta (Koe) 4
• New Brunswick 8, Nunavut 3

Draw 6: Sunday, March 2, 9:30 p.m. ET / 6:30 p.m. PT

• Yukon 7, Nova Scotia 5
• Saskatchewan (McEwen) 8, Ontario 4
• Quebec 7, Prince Edward Island 5
• Alberta (Jacobs) 20, Northwest Territories 2

Draw 7: Monday, March 3, 11:30 a.m. ET / 8:30 a.m. PT

• Alberta (Koe) 8, British Columbia 5
• Manitoba (Carruthers) 6, New Brunswick 4
• Newfoundland and Labrador 10, Nunavut 6
• Northern Ontario 8, Manitoba (Dunstone) 7

Draw 8: Monday, March 3, 4:30 p.m. ET / 1:30 p.m. PT

• Saskatchewan (McEwen) 9, Quebec 4
• Alberta (Jacobs) 10, Prince Edward Island 3
• Saskatchewan (Kleiter) 8, Northwest Territories 2
• Ontario 9, Yukon 3

Draw 9: Monday, March 3, 9:30 p.m. ET / 6:30 p.m. PT

• New Brunswick 5, Newfoundland and Labrador 4
• Alberta (Koe) 10, Nunavut 2
• Northern Ontario 8, British Columbia 6
• Canada 7, Manitoba (Carruthers) 3

Draw 10: Tuesday, March 4, 11:30 a.m. ET / 8:30 a.m. PT

• Alberta (Jacobs) 6, Saskatchewan (Kleiter) 3
• Quebec 9, Northwest Territories 8
• Saskatchewan (McEwen) 7, Yukon 5
• Nova Scotia 10, Prince Edward Island 6

Draw 11: Tuesday, March 4, 4:30 p.m. ET / 1:30 p.m. PT

• Manitoba (Carruthers) 8, Northern Ontario 6
• Canada 8, New Brunswick 3
• Manitoba (Dunstone) 5, Newfoundland and Labrador 4
• British Columbia 10, Nunavut 3

Draw 12: Tuesday, March 4, 9:30 p.m. ET / 6:30 p.m. PT

• Yukon 8, Prince Edward Island 5
• Alberta (Jacobs) 7, Nova Scotia 3
• Saskatchewan (Kleiter) 9, Ontario 4
• Saskatchewan (McEwen) 14, Northwest Territories 2

Draw 13: Wednesday, March 5, 11:30 a.m. ET / 8:30 a.m. PT

• Manitoba (Dunstone) 9, New Brunswick 3
• British Columbia 8, Newfoundland and Labrador 3
• Manitoba (Carruthers) 7, Nunavut 3
• Canada 7, Alberta (Koe) 6

Draw 14: Wednesday, March 5, 4:30 p.m. ET / 1:30 p.m. PT

• Alberta (Jacobs) 11, Ontario 5
• Saskatchewan (McEwen) 7, Saskatchewan (Kleiter) 2
• Prince Edward Island 10, Northwest Territories 5
• Nova Scotia 7, Quebec 6

Draw 15: Wednesday, March 5, 9:30 p.m. ET / 6:30 p.m. PT

• Canada 12, Nunavut 3
• Manitoba (Dunstone) 8, Manitoba (Carruthers) 6
• Alberta (Koe) 10, New Brunswick 4
• Northern Ontario 9, Newfoundland and Labrador 6

Draw 16: Thursday, March 6, 11:30 a.m. ET / 8:30 a.m. PT

• Nova Scotia vs. Northwest Territories
• Ontario vs. Prince Edward Island
• Alberta (Jacobs) vs. Quebec
• Saskatchewan (Kleiter) vs. Yukon

Draw 17: Thursday, March 6, 4:30 p.m. ET / 1:30 p.m. PT

• Alberta (Koe) vs. Newfoundland and Labrador
• Northern Ontario vs. Nunavut
• Canada vs. Manitoba (Dunstone)
• British Columbia vs. New Brunswick

Draw 18: Thursday, March 6, 9:30 p.m. ET / 6:30 p.m. PT

• Quebec vs. Saskatchewan (Kleiter)
• Northwest Territories vs. Yukon
• Ontario vs. Nova Scotia
• Alberta (Jacobs) vs. Saskatchewan (McEwen)

Page 1/2 Qualifier: Friday, March 7, 3:30 p.m. ET / 12:30 p.m. PT

• Pool A1 vs. Pool B2
• Pool B1 vs. Pool A2

Page 3/4 Qualifier: Friday, March 7, 9:30 p.m. ET / 6:30 p.m. PT

• Pool A3 vs. Page 1/2 Qualifier loser
• Pool B3 vs. Page 1/2 Qualifier loser

Page 3/4: Saturday, March 8, 3:30 p.m. ET / 12:30 p.m. PT

• TBD

Page 1/2: Saturday, March 8, 9:30 p.m. ET / 6:30 p.m. PT

• TBD

Semifinal: Sunday, March 9, 2 p.m. ET / 11 a.m. PT

• TBD

Final: Sunday, March 9, 8 p.m. ET / 5 p.m. PT

• TBD

Final (Sunday, March 9, 8 p.m. ET)

When is the 2025 Brier?

  • Dates: Friday, Feb. 28-Sunday, March 9

The 2025 Brier will start on Friday, Feb. 28, and conclude on Sunday, March 9. Pool play will run from Feb. 28 through March 6, and the page qualifiers and playoffs will be held on March 7 and March 8.

The semifinals and finals will take place on March 9.

What channel is the 2025 Brier on?

  • TV channel: TSN
  • Live stream: TSN.ca, TSN app

The 2025 Brier will air on TSN and can be streamed on TSN.ca and the TSN app. You can view the full broadcast schedule below.

2025 Brier broadcast schedule
Date Time (ET) Round TV channel
Friday, Feb. 28 9:30 p.m. Pool Play TSN1/5
Saturday, March 1 4:30 p.m. Pool Play TSN1/4
9:30 p.m. Pool Play TSN1/3
Sunday, March 2 11:30 a.m. Pool Play TSN1/4
4:30 p.m. Pool Play TSN1
9:30 p.m. Pool Play TSN1/3
Monday, March 3 11:30 a.m. Pool Play TSN1/3
4:30 p.m. Pool Play TSN1/3
9:30 p.m. Pool Play TSN1/3/5
Tuesday, March 4 11:30 a.m. Pool Play TSN1/3
4:30 p.m. Pool Play TSN1
9:30 p.m. Pool Play TSN1
Wednesday, March 5 11:30 a.m. Pool Play TSN1
4:30 p.m. Pool Play TSN1
9:30 p.m. Pool Play TSN1/5
Thursday, March 6 11:30 a.m. Pool Play TSN1/3
4:30 p.m. Pool Play TSN1
9:30 p.m. Pool Play TSN1
Friday, March 7 3:30 p.m. Page Qualifier TSN1
9:30 p.m. Page Qualifier TSN1
Saturday, March 8 3:30 p.m. Page Playoff TSN1/4
9:30 p.m. Page Playoff TSN1/5
Sunday, March 9 2 p.m. Semifinal TSN1
8 p.m. Final TSN1/3

 

Montana’s Brier 2025 Teams

A total of 18 teams will compete in the 2025 Montana’s Brier. Fourteen teams have qualified through their respective provincial and territorial championships, while Team Canada (last year’s champion), along with three wild card teams, complete the field. The defending champion, Team Brad Gushue, returns to represent Canada after winning the 2024 Montana’s Brier.

Notable Teams in the Tournament:

  • Team Canada: Led by Skip Brad Gushue
  • Team Alberta (Koe): Featuring veteran skip Kevin Koe
  • Team Manitoba (Dunstone): Skipped by Matt Dunstone
  • Team Saskatchewan (McEwen): Headed by Mike McEwen
  • Team Ontario: Led by Sam Mooibroek

For the complete list of teams and players, see the full roster above.

Managing the Financial Risks of Chance-Based Entertainment

Claire James
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0
Managing the Financial Risks of Chance-Based Entertainment

Gambling is a common pastime, especially with the availability of casino products online. Almost anyone who wants to gamble can find varied games and sports. Increased acceptance has also contributed to the activity’s growing popularity. While betting has its appeal, it’s a multi-faceted entertainment medium with various pros and cons. Its effect on an individual’s financial health is one concern that many stakeholders share. Gambling has serious implications for players’ economic situation. Winning can affect your finances positively by generating extra spending money. Everyone wagers on sports markets or casino games with the expectation that they will win. However, it doesn’t always turn out that way.

Most gamblers lose because it’s how the system works. Gambling platforms are designed to make money. For this reason, losing streaks are more common than some players might realize. When you are having too much of a good time, you may not realize that betting has negative consequences that can affect you for a long time. Gambling-related financial harm is particularly a challenge for players with addiction issues. Problem gambling leads to bad money decisions that can impact not only a player’s life but the lives of the people around. Any responsible gambler should understand the relationship between gambling and finances, which this article explores.

The Financial Risks

Sports betting can be lucrative when done right. Successful selections can return handsomely on your stake. However, outcomes aren’t guaranteed, and you risk losing everything you wagered. Regardless of how much research you do before betting, the results can be disappointing. Of course, looking through a crypto sports betting guide and finding the best odds improves your chances. Nevertheless, in the long term, you might lose more than you win. Gambling carries an inherent risk that can drag you into serious financial trouble. Since the odds in gambling are built to favor the house, then a casino or sportsbook will always have an advantage over you. Some tactics can tilt the odds slightly to suit you, but the difference is not too big.

Chasing losses is another challenge that gamblers face. When you wager and lose, you might be compelled to stake even more funds to try and recoup the losses. This bad habit is one of the biggest causes of financial stress among players. With every round you spend more money, your finances dwindle, requiring you to find additional funds. The cycle continues until you are too deep in debt.

Depleting Savings

Pulling money from savings, retirement accounts and investments is another issue to factor in when it comes to poor gambling decisions. Your betting budget is supposed to come from disposable income. In some cases, however, bettors tap into other funds and accounts to access the money they need to keep gambling. The consequence of this is jeopardizing your financial security. Failing to pay your mortgage so that you can bet on horses could mean losing your home in the not-so-distant future.

Credit Card Use

The use of credit cards for betting is a common topic of discussion when it comes to gambling and finances. Credit cards are some of the most popular payment methods supported on online sportsbooks and casinos. Even sites that accept cryptocurrency allow users to buy coins using credit cards. The problem is that credit cards are loans, some of them with high interest rates. So, technically, you are gambling on credit. It’s for this reason the UK banned the use of credit cards on gambling websites because they encourage poor spending. The US doesn’t have this restriction, meaning bettors are free to put as much as they can on their cards, which is a recipe for disaster. If the interest accumulates over a prolonged period, then the compounding debt can be debilitating and challenging to recover from.

Signs to Watch Out For and Best Practices

Gamblers can prevent long-term gambling-related financial issues by dealing with the problem before it gets out of control. One warning sign is hiding how much you spend. Using up your gambling budget and then tapping into other budgets is a problem too. If you are taking out loans or borrowing from friends and family to gamble, then that’s a flashing sign. Check if you are missing important bill payments or selling off items to get extra betting cash.

Adapting solid money management habits is the solution to staying financially healthy when gambling. Start with a budget. Decide how much you can spend without neglecting your obligations and stick to that amount. It doesn’t matter if you find the best odds on your favorite football game, never use more than planned. Your gambling budget should be separate from other accounts to avoid mixing them. Additionally, don’t use your credit card or any other line of credit to pay for your sports betting or casino gaming. When gambling, set time and spending limits to keep you grounded. Walk away when you reach them.

Gambling can’t exist without finances. It’s an activity that requires money, which comes with its upsides and downsides. A responsible bettor who understands the consequences of spending wisely knows what to do to make the most of this entertainment medium. Failing to learn the risks that betting and casino gaming pose to your finances can lead you down a rough path. Vulnerable persons who are at a higher risk than normal of problem gambling should be especially cautious about how they spend money.

The Impact of Online Business Loans on SME Success and Sustainability

Claire James
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0
The Impact of Online Business Loans on SME Success and Sustainability

Traditional banks have long been the go-to option for SME financing, but their rigid approval process, lengthy wait times, and strict lending criteria make securing funds a challenge. Online business loans provide a faster, more flexible alternative, allowing SMEs to access capital without the bureaucratic hurdles of traditional lenders. Unlike banks that take weeks or months to approve secured loans tied to property, alternative lenders can process applications within days, offering unsecured funding solutions that cater to businesses of all sizes and financial backgrounds. This is why these business loans for small businesses could be very useful.

Fast and Flexible: The Key Benefits of Online Business Loans

Unlike banks that require extensive paperwork and impose strict credit criteria, online lenders assess applications quickly using alternative financial data. This means businesses with CCJs, a history of losses, or even those in liquidation can still secure funding. Since online loans are unsecured, there’s no need for property or asset-based security – business owners only provide a personal guarantee, making financing accessible even for those who are not homeowners. With a variety of loans available, from short-term funding to revenue-based financing, online lenders offer tailored solutions that adapt to business needs.

Customised Loan Structures: Why Online Lending Offers More Options

Traditional banks primarily offer term loans with fixed repayment schedules, limiting flexibility for SMEs with fluctuating cash flow. In contrast, online lenders provide a wide range of funding solutions, including:

  • Unsecured term loan – funding over 6 years at a competitive interest rate with no early repayment penalties
  • Merchant cash advances – Borrow based on future revenue, with repayments tied to daily sales.
  • Revolving credit facilities – Access funds when needed, paying interest only on what is used.
  • Short-term business loans – Quick funding for immediate cash flow needs.
  • Invoice financing – Unlock cash from unpaid invoices without waiting for clients to pay.

This flexibility ensures businesses can access capital on their terms, investing in growth without being tied down by rigid loan structures. Unlike traditional banks, which impose strict repayment schedules and require property as security, online lenders offer solutions that adapt to the unique financial situations of SMEs. Whether a business needs a short-term boost for unexpected costs or long-term funding for expansion, unsecured loans provide the necessary versatility. With options like revenue-based lending or merchant cash advances, businesses can secure funding without lengthy approval processes. By removing the need for collateral, online lending allows SMEs to stay agile and invest in their future with confidence.

Who Can Qualify for an Online Business Loan?

Banks often require perfect credit scores, property assets, and years of trading history to approve loans. In contrast, online lenders have much wider and more flexible eligibility criteria, making it easier for SMEs to secure funding. To qualify for an online business loan, businesses typically need to:

  • Have been trading for a minimum of 12 months
  • Have a minimum annual turnover of £100,000
  • Not be required to show profitability
  • Not be a homeowner
  • Still be eligible for funding even with adverse credit

By focusing on real-time financial performance rather than rigid past financial issues, online lenders make funding accessible to businesses that might otherwise be turned away by banks.

The Role of Fintech in Business Lending: Speed and Simplicity

Technology is revolutionising SME financing, with fintech lenders using automation and AI to process applications within hours. Open banking enables real-time financial data access, streamlining decision-making and reducing paperwork. Unlike banks, which can take weeks to assess an application, online lenders approve funding quickly, ensuring SMEs receive the capital they need without unnecessary delays.

Conclusion

Online business loans provide a fast, flexible, and accessible to traditional bank lending. With quick approvals, unsecured financing, and a range of tailored loan products, SMEs can secure the funding they need without the barriers imposed by banks with secured business loans. Whether a business needs short-term cash flow support, revenue-based financing, or a revolving credit line, online lenders offer unsecured business loan solutions that work on their terms. This accessibility empowers SMEs to seize new opportunities, invest in growth, and build financial resilience without unnecessary restrictions.

The Role of the IFSE Institute CIFC Exam in Financial Certification

Claire James
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0
The Role of the IFSE Institute CIFC Exam in Financial Certification

The IFSE Institute CIFC Exam is a critical certification for financial professionals in Canada. This exam ensures that individuals possess the required knowledge to provide mutual fund investment advice, making them qualified to work in the financial services industry. Whether you’re starting your career or seeking to validate your expertise, understanding the CIFC Exam and its significance is essential.

What Is the IFSE Institute CIFC Exam?

The Canadian Investment Funds Course (CIFC) exam is administered by the IFSE Institute, a leading educational provider in the financial services sector. The exam is designed to certify professionals who want to become mutual fund representatives.

Who Should Take the CIFC Exam?

The CIFC Exam is ideal for an individual aspiring to work in the financial services industry, particularly those who want to offer mutual fund investment advice. It is also suitable for those seeking a career in banking, investment firms, or for independent advisory roles.

What Topics Are Covered in the CIFC Exam?

The exam covers various topics, which includes:

  • Canadian financial regulations
  • Mutual fund structures
  • Investment products
  • Taxation
  • Ethical practices
  • Risk management

Why Is the CIFC Exam Important for Financial Professionals?

The CIFC Exam is a regulatory requirement for individuals who wish to sell mutual funds in Canada. Passing this exam demonstrates competence in providing investment advice, ensuring that professionals act in the best interests of their clients.

How Can CIFC Certification Boost Your Career?

Achieving CIFC certification can significantly enhance your career prospects. It allows you to legally sell mutual funds, gain trust from clients, and can open doors to various roles in the financial services industry.

What Is the Exam Format?

The CIFC Exam consists of multiple-choice questions that test both theoretical knowledge and practical application. Candidates must achieve a minimum passing score to obtain certification.

What Study Materials Are Available for the CIFC Exam?

There are several resources available to help candidates prepare, including official study guides, practice exams, and third-party resources such as CIFC Exam Dumps and CIFC Questions. These materials can provide valuable insights into the types of questions asked in the exam.

Are CIFC Exam Dumps Useful for Preparation?

CIFC Exam Dumps can be helpful if used responsibly. They allow candidates to familiarize themselves with the exam format and question types. However, it’s essential to use them alongside official study materials to ensure comprehensive preparation.

How Does Dumpspedia Help with CIFC Exam Preparation?

Dumpspedia is a popular platform that offers updated CIFC Exam Dumps and CIFC Questions. These resources can help candidates gain confidence by practicing real exam-like questions.

What Is the Passing Score for the CIFC Exam?

The passing score for the CIFC Exam is typically 60%. Candidates must demonstrate proficiency across all exam topics to achieve certification.

How Long Does It Take to Prepare for the CIFC Exam?

Preparation time varies depending on individual experience and knowledge. On average, candidates spend 4-6 weeks studying for the exam using a combination of official materials and CIFC Exam Dumps.

What Are the Benefits of Becoming CIFC Certified?

Becoming CIFC certified boosts credibility, enhances career opportunities, and enables professionals to offer mutual fund investment advice legally. It also demonstrates commitment to ethical practices and ongoing professional development.

Conclusion

The IFSE Institute CIFC Exam is a vital step for anyone looking to build a career in the Canadian financial services industry. With proper preparation, including utilizing CIFC Exam Dumps and CIFC Questions from platforms like Dumpspedia, candidates can confidently pass the exam and unlock new career opportunities. Whether you’re just starting or seeking to enhance your qualifications, the CIFC certification is a valuable investment in your professional future.

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