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Australia is a place bubbling with enthusiastic new Transmedia talent and I was lucky to present and moderate a great panel at the Sydney Opera House early in July 2011 with representatives from pervasive film making, advertising, art and industry R&D. It was all about experiential storytelling and services and part of the Creative Sydney fortnight and a Metro Screen organised evening (more later).
10 Reasons Public Multi-Platform Funding is Broken & Ways to Fix It
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How does a country encourage its creative producers to innovate media projects & services? Many leave it to commercial forces only, where it is an innovate or die, sales driven culture. Some though with small or fledgling production communities have to rely on government subsidy and kick-start funding to get most 'innovative' projects off the ground. I have looked and been involved in the latter for many years as Multi-Platform producer devising initiatives, director of training units and lecturer in education sectors which include several European countries, Canada, Australia, UK and US. How can we better divvy up millions of tax payers dollars and spread it between heritage and multi-platform?
Below are a few excerpts of a longer article/paper & book chapter (full of juicy stats & facts!) on public tax payers funding of global multi-platform media projects from a perspective of "are we giving it a 'fair-go'" – as they say down under. It is focused on all government creative funding agencies who help divide up 'new and old' screen culture funds in their respective countries. Its intention is to help multi-platform (as opposed to the vagary 'digital') move forward rather than be held back by analog thinking or status quo market approaches. I will PDF and link later…
As some of this sails close to one or two of my 'day jobs' (some of my credentials in this area are listed at the bottom of the post) I have kept it as generic as possible, without any intentional finger pointing. I hope some top level ideas I suggest to help fix something that has been broken for decades, may not fall on deaf ears.
Preface – Traditional Media vs Multi-Platform: Where's the engagement?
To choose an excerpt or 'why multi-platform' this old argument about the old vs the new is appropriate here. There are many who say we are in a golden era of TV and Film. Audiences both love and trust these mediums and growth is strong across the board. So naturally "we must find and fund new talent and projects in these areas for the good of our culture". Telling stories through film, tv, galleries, concert halls and books is the only real media to take into consideration. Or is it? This is the status quo, most public funds for media are for localised film and TV and 'culturally' significant 'art' projects. The 'other stuff' oft called multi-platform or digital or online is still not taken seriously. I suggest it still does not reflect what and how its people are consuming media and how they are engaged in that usage.
To give a sense of this disparity, for example in Australia last years total spend (note this includes commercial investment) on film was US $336mill yet overall funds for 'multi-platform' creative projects across all public agencies amounted to approx $12-15mill – with the largest funder in the space Screen Australia about to provide approx $4mill annually for creative multi-platform. If we also add TV funding into the mix and think of other territories also (UK film spend US $1.48 bill) we can get to an estimate ratio of around 9:1 of traditional media funding vs multi-platform. Note this is about creative 'story-centric' projects vs digital business or hardware enterprise. That means around 9 times more is publicly granted/invested in Film & TV than Multi-Platform or it's storytelling child, transmedia. I am still adding up figures from other regions which may alter that slightly and although I would like to, don't get me started on the balance spent on training and education across these two sectors!
As I presented in my last post/article (Navigating the World of Multi-Platform) the media landscape has now significantly fragmented from the 1970-90s yet those in control of the 'funding' & educational mechanisms are, I would suggest, still basing decision from those days by funding what is effectively just 'linear video stories' – vs more interactive across multiple media channels. Sure there are a lot of statistics that on the surface back this up – for example, TV viewing has remained static and even growing regardless of the increase of video watching on the web or games usage and box office is strong even with illegal digital distribution and on and on. But when you look at some sectors, print and music for example, who themselves were saying 'business as usual' 2 years ago, it tells a completely different story purely from a sales perspective – due to online distribution (eBooks & mp3 torrents) traditional sales are falling at between 10-30% annually.
Online Crowd Sourcing of the Sixth Kind feat @ImogenHeap
There are a handful of artists out there making great progress and learning how to meaningfully connect with their fans, build communities around themselves in new ways – one of these news ways is by bringing the fans deeper into the creative process. But there are still many agencies and traditional artists running fly-by-night 'campaigns' or superficial 'create a logo for us / do an ad and win $500' dis-respectful call-to-actions. Things have changed and the 'wanna be an extra in our indy film' does not cut the mustard anymore in a world where the users have already tasted self-publishing – nowadays we are talking about solidifying loyalty by integrating existing fans into the creative process at from the birth of the project through to the final distribution.
This post, which is a follow-on from my Co-Creating Transmedia Communities post in Sept, looks at the levels (specifically six kinds) of crowd sourcing engagement and takes it one step beyond.
We all have our favourite artists – musicians, directors, sculptures, painters, TV personalities and we all have varying degrees of relationships with them. There is a big difference from appreciation at one end to super (obsessed?) fan at the other. But with the new breed of wonderful, stable online collaboration content networks available, the super fan can now become meaningful collaborator. The nature of 'fanatic' has evolved:
- DISTANT – Worship from afar and happy to just enjoy pushed, finished, packaged content
- COLLECTOR – Collects extra insight content from and about the artists
- PHYSICAL – Regularly goes to experiential events and concerts and may possibly have low level interaction with the artists
- ACKNOWLEDGED – The artist nurtures the fans into a community, a tribe that builds its own identity. They may change their personal look and brand themselves as being part of the artist's 'tribe'
- CONVERSATIONAL – A dialogue, direct and often in real time between artist and super fans
- CREATIONIST – The artist and tribe make 'stuff' together
It is of course the last three of the new types of relationships above that have come to the fore in recent years.
As I was formulating the previous 6 levels (yes I like doing levels!) I suddenly thought of one of my favourite films, from my youth. I have always been fascinated by Speilberg's Close Encounters…and particularly the meaning behind the 'Third Kind'. As we know it is actually a reference to J. Allen Hynek's 1972 scale of interaction with extra-terrestrial life forces. (There are actually seven levels listed on Wikipedia but the sixth one is redundant being a duplicate of number 2)…
- A sighting of an extraterrestrial craft
- Physical evidence of the extraterrestrial
- Seeing live extraterrestrial beings
- A human is 'taken-in' or acknowledged by the extraterrestrials
- On-going, real time, communication between extraterrestrial and humans
- Procreation between extraterrestrial and human
So as you do, I decided to merge 2) the escalation of our extraterrestrials with 1) the evolution of the fan and I came up with, drum roll – Gary's Online Crowd Sourcing Levels of Six Kinds: (lets assume a level 0 which is basically passive consumption of everything that follows)
Garys Social Media Count
Original Counter and Post from 24 Sep 2009!
August 2016 'Social' Update
- YouTube mobile videos viewed 1 billion per day Source Jul 2016
- Photos on Instagram 95 mill daily Source Jun 16
- Likes on Facebook 10 bill per day Source Jun 2016
- YouTube ad revenue $4.28 bill per year Source 2015
- Hours streamed on netflix 42.5 bill per year Source Jan 2016
- Snapchat video views 10 bill per day Source
- iPhones sold $150 bill per year Source 2016
- New mobile social users 1 mill per day Source Nov 2015
- Plus 1s on Google Plus 5 bill per day Source Nov 13
- Money made in US from PokemonGo $1.6 mill per day Source Jul 2016
- Messages on Facebook messenger & WhatsApp 60 bill per day Source Nov 2015
- Likes on Instagram 4.2 bill daily Source Jun 16
- Profiles viewed on LinkedIn 25 mill per day Source Jan 2016
- Photos uploaded to Facebook 400 mill per day Source Feb 2015
- Snapchat photos shared 9000 per second Source Jan 2016
- Google searches 100 bill per month Source 2016
- Videos viewed on Facebook 8 bill per day Source Jan 2016
- Users joining LinkedIn 2 per second Source Nov 2014
- Searches on Facebook 1.5 bill per day Source Nov 2015
- Videos watched on YouTube 5 bill per day Source Jul 2016
- Hours uploaded to YouTube 400 hrs per minute Source Nov 2015
- Tweets tweeted 6000 per second Source Jun 2016
June 2013 'Social' Update (mobile, games & heritage to come)
- 2.7 billion likes on Facebook daily Source May 13
- 100 hours of video uploaded to YouTube every minute Source May 13
- 1.5 million Android phones activated daily Source May 13
- 13.7 billion Google searches per month Source Mar 13
- 350 million photos loaded to Facebook daily Source May 13
- 2.5 billion ads served on YouTube monthly Source Mar 13
- 4 billion Tweets sent daily Source Mar 13
- 5 million images loaded to Instagram daily – May 13
- 5 billion minutes spent watching online video ads monthly Source Mar 13
- 343 million new users of Google + monthly Source Jan 13
- $5 billion made by Facebook 2012 Source May 13
- 833 thousand Apple iOS devices sold daily – Jan 13
- 4 billion hours of content streamed over Netflix per quarter Source Apr 13
- 5 million press the Google+ button daily – May 13
- 400 million made by Twitter per year from ad revenue Source May 13
- 250 million users login and play a Facebook game monthly Source May 13
- 1.28 billion YouTube videos are watched monthly Source Mar 13
- 250 million Android apps installed every month Source Mar 13
- 656 per second likes & comments by Instagram users on Facebook Source Jan 13
- 3.4 billion searches on Bing per month – Jan 13
- 2.1 billion searches on Twitter per day Source May 13
June 2012 'Social' Update
- 3.2 billion likes and comments on Facebook daily Source Apr-12
- 40 billion android and IOS apps downloaded monthly Source Mar-12
- 2 million blogs posts written daily Source Mar-12
- 175 million tweets sent daily Source Feb-12
- YouTube has 2 billion plays per day Source Apr-12
- The Google+ button is pressed 5 billion times daily Source Feb-12
- There are 300 million photos uploaded to Facebook daily Source Apr-12
- 294 billion emails sent per day Source Mar-12
- Samsung sells 42.2 million smartphones each quarter Source Mar-12
- 2.2 million pages added to StumbleUpon monthly Source Feb-12
- Pinterest gets 17 million visits daily Source Mar-12
- Facebook has an annual net income of $1 billion Source Feb-12
- Daily videos uploaded to YouTube is 829 440 Source Apr-12
- 58 photos per second uploaded via Instagram Source Mar-12
- 66 million iPads sold annually since early 2011 Source Mar-12
- G+ gains 625 000 more users each day Source Feb-12
- 22 million hours of TV & Movies watched on Netflix daily Source Mar-12
- Facebook gets 526 million users daily Source Apr-12
August 2011 Update
- 30 billion pieces of content are shared on Facebook each month Source Jul-11
- 550,000 Android-enabled phones are activated every day Source Jul 11
- 48 hours of video are uploaded to YouTube every minute Source May-11
- $2.1 billion per year are spent on Virtual Goods in the US Source May-11
- 1 billion tweets are sent per week Source Mar-11
- YouTube per day has over 3 billion video views Source May-11
- There are currrently 10 billion iPhone apps downloaded each year Source Jul-11
- 20 million people joined Google + in the first 3 weeks Source Aug-11
- There were 80 million new FB accounts 1st quarter 2011 Source Apr-11
- 460,000 New twitter accounts daily Source Mar-11
- There are 50 million likes of Facebook pages per day Source May-11
- Skype users make 300 Million Minutes of Video Calling Per Month Source Jul-11
- Google Chrome browser webt from 10-20% of global browser share in 10 months Source Jul-11
- There are now one million new LinkedIn members every week Source Apr-11
- Facebook ad revenues per year now more than $4 billion Source Jan-11
- Google + users pressing +1 over 2.5 billion times every day Source Jul-11
ABOUT Living statistics – Many of us who have been following social media since the early 90s are very sensitive to today's exponential growth in usage of the sharing web. Inspired by other cool real time counters, Social Media Industry Head, Laurel Papworth, my own Rise & Rise of Social Media presentations and various 'cool' videos (you know the ones) I decided to put together this little Flash app (which is in constant development) showing how active & dynamic the Social Web, Mobile Industry and Game Business is.
If you want to embed this on your page just click the button in the bottom left of the app to copy the code to your clipboard OR use the code/s in the boxes at the bottom of this post. Drag select it all then copy/paste into any site. Use this code as I will be regularly updating it with latest stats.


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Sunday Sentence: 27 December 2015, Gore Vidal's Clouds & Eclipses
Sunday Sentence: The sentence(s) that touched me this week, out of context and without commentary. Inspired by David Abrams at The Quivering Pen.
"All nuance was omitted in their exchanges, since a voice which travels up three floors and through a locked door must, of necessity, be not only loud but limited in vocabulary, like an encounter at a prize fight."
from Clouds and Eclipses by Gore Vidal

subset: commoncrawl


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FAQ – Business Law
LLC is short for Limited Liability Company. It is a stand-alone entity which is treated as separate from the person or people that own and operate it, thereby protecting them from personal liability.
A business entity that is wholly controlled by one person but one that does not provide any protection against personal liability.
A business entity owned jointly by 2 or more people or partners is called a partnership. Each individual partner is liable and responsible for all aspects of the business operations.
As per the Maryland law, the name of an LLC name must contain one of the following: the abbreviation "L.L.C.," "LLC," "L.C." or "LC" or "limited liability company" in complete. Also keep in mind that the name should not be similar to any other businesses which is already a part of the Maryland business name database.
A registered agent is Maryland citizen over 18 or business entity located physically in Maryland that agrees to accept legal papers on behalf of the LLC in case it is sued.
Commercial leases have a higher degree of complexity and liability associated with them which an experienced attorney can help review and negotiate to your advantage.


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(Credit: Illustration by Darcy Muenchrath)
If you live in Arizona, Louisiana, New York, or one of more than a dozen other states, the Department of Homeland Security (DHS) has bad news for you. Come January 19, your driver's license will no longer allow you access to certain federal facilities. Unless DHS changes its mind. Again.
In 2005, Congress passed a bill called the Real ID Act, based upon recommendations made by the 9/11 Commission. Whether or not you've heard of the law depends largely upon how in tune you are with conspiracy theories. Where you live matters, too, because nearly a decade after the law's passage, only 19 states actually comply with its standards.
READ MORE: Screen-Plate Club: How License-Plate Scanning Compromises Your Privacy
Real ID's stated intent is to ensure that all jurisdictions issuing driver's licenses and other identification meet federal standards, "which should inhibit terrorists' ability to evade detection by using fraudulent identification." Basically, the government is upping the ante on what it will accept as valid forms of ID at federal facilities, nuclear power plants, and—here's the biggie—federally regulated airline flights (i.e., most of them).
Opponents fear that Real ID will lead to a national identity card like those issued by "totalitarian" governments and that its requirement that states share data from their department of motor vehicle databases is an invasion of privacy. Others object because Congress didn't offer financial backing to help states implement Real ID. The American Civil Liberties Union (ACLU) contends that the program wastes state resources while doing little to combat terrorism, calling it a "bureaucratic nightmare."
READ MORE: Don't Tear Up Your License Yet: Here's Why Autonomous Driving Is Still a Long Way Off
For its part, Homeland Security promises that Real ID will leave states with control over the look and administration of driver's licenses, and, more important, over the information they collect to issue them. "There is no federal database of driver information," the agency says on its website, although the ACLU contends that the law says otherwise. What does non-compliance mean for residents of those states? Most states have been granted extensions, although many have passed legislation that amounts to a promise not to comply.
For most Americans, that flight restriction is the big worry. But DHS says that any state driver's license will be accepted as a valid ID at airports until at least 2016. And after that, passports and other federal IDs will work. The ACLU doesn't put much stock in DHS deadlines either way, including the latest one. "We know how it's going to play out because it's played out three times already," says Chris Calabrese, legislative counsel for the ACLU. "They give a deadline, the deadline goes, and then they give an extension. The states know that DHS isn't going to keep all the residents from non–Real ID states from boarding airplanes." Which means that those refusing to play along might just achieve the goal of dooming Real ID to failure.
Originally published at Car and Driver.


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We travelled to Malta in October this year for a short, 5 day holiday. We actually found it pretty tough finding good vegan options to begin with. This could have been because we were just out of peak season and a lot of places had short opening times.
With all that being said, we found some incredible places to find vegan food all over Malta, so here's a list with a little review for each.
We stumbled upon Balance Bowl as it was on the same road as our hotel. We got there just after lunch so the salad bar was looking a little lack-lustre, but the rest of the menu sounded promising. We both had seitan burgers which were delicious, but would have preferred proper chips on the side. We were still pretty hungry after those so shared this 50cm pizza bread thing. I would definitely recommend this place for a quick and simple lunch.
All google searches for 'vegan food in Malta' all point to The Grassy Hopper and for very good reason. We ended up going twice and loved it both times. The restaurant has a really nice feel to it, with a little shop area for vegan and cruelty free food and beauty products. plus the staff were so lovely and friendly.
The first time we went there, they weren't yet serving the dinner menu, but we were too hungry to wait so order the smoked carrot wraps. I would never usually order something like this, but it was so tasty I'm really glad I had it. We then had some amazing tea and cake for dessert.
The second time we went it was 'pizza night'. We both had the 'protein' pizza, which had tofu on and lots of other toppings I can't quite remember. But I do remember the base! It was soft and doughy, but not heavy at all. I would high recommend this place and the prices were very reasonable.
Gugar is very tiny and I wasn't too sure on it when we first walked in. There were lots of staff, but they weren't very attentive and one was taking up a whole table space to write a board for the next day, so it all felt very cramped.
It was very cheap in here though and the falafel platter we ordered had lovely, homemade falafel bites. The hummus was okay, but it was a little on the dry side for me. We had a couple of coffee and halva balls as a little treat for afterwards as well, they were the best bit in my opinion.
I think this place would be cool for a couple of drinks, but it's not very comfortable and I think if you're not a regular, it wasn't very welcoming.
This was such a good find! Rich had a craving for ice cream and I thought we stood no chance of finding vegan ice cream in Malta.
La Brioscia had 4 vegan options and really clear labelling so ideal for anyone with food intolerances or allergies. The vegan options were Lemon, hazelnut, chocolate and pistachio. I was so excited that it was actual vegan ice cream and not just some icy sorbets! The dairy free chocolate and pistachio ice creams were incredible and I would say definitely worth a visit if you're around Medina.
(Google maps doesn't have the correct location when we went though, so check their Facebook page instead).
Green Mood
Green Mood is the only '100% vegan' restaurant in Malta and is located on Gozo. Green Mood food is all plant based and focused on being healthy. They do not put any salt or sugar in their dishes and I didn't miss it at all.
The salad I had was very fresh and the breakfast bowl Richie had was really sweet without making you feel guilty!
After chatting to the owner however, I would say this restaurant is plant based and not vegan. There is a strong focus on health and not about animal welfare. Not a bad thing, I would just be mindful of getting into conversations about meat…. (I bite my tongue…hard!)
Theobroma is located in Valetta and actually also supply cake and treats to The Grassy Hopper. Theobroma has 1 little take with some stools on the outside, so make sure you visit on a nice day :)
Everything is vegan, which made it so hard to decide what to have because they had so many amazing options. We had two variations of chocolatey things and delicious coffee. We used our last 2 Euros on a salted caramel ball to share which was incredible.
Not only are the vegan chocolates and coffees amazing, but the staff were so lovely and friendly, so just all round good vibes.
Soul Food is in Valetta and is along a street with lots of other touristy places to eat. It was so nice to see a veggie/vegan restaurant right in the middle of one of the busiest parts of town.
I had the began Buddha bowl with lentil burger and Rich had the pasta. I would say very overpriced for what we had… this could have been down the location however. The flat bread and veggies I had were well cooked and the burger was okay… it was more like a fried lentil patty, as the texture was so soft, like over-mashed potato. Richie's pasta was just okay, pasta with tomato sauce, what's to go wrong really!
I would say if you don't mind spending a bit more for the connivence, it's worth a visit, as it's very tricky to eat vegan in non-vegan places in Malta.
This was our last food stop in Malta and it was lovely to go somewhere new and clean! It's a trendy set up and the vegan menu was great.
Rich went for the acai smoothie bowl which was delicious (he said could have done with a bit more granola though) and I had the pulled jackfruit and chips. The pulled jackfruit had BBQ sauce on which was nice and it was cooked well. The coffee and service were also really good.


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Linh Chau, Administrative Assistant
Palliative care is improvement in quality of life for both patient and family members through continuous support.
Dr. Stan Feinberg, Medical Director, Ambulatory, Cancer and Transitional Care Programs
Palliative care isn't about dying — it's about improving someone's quality of life as they define what is important to them.
Shana Haberman, Project Coordinator
Palliative care is an extra layer of support to ensure that patients and their families can optimize quality of life. It is appropriate at any age and at any stage in a serious illness.
Dr. Daryl Roitman, Physician Lead
Palliative care is living with hope.
Anna Tupis, Program Director, Ambulatory, Cancer and Transitional Care Programs
Palliative care is focusing on life and quality, despite what is facing us. Each person has their own perception of what this looks like. It's also supporting the patient's "inner circle."
Rabih Yehya, Interim Clinical Team Manager
Palliative care is our commitment and dedication to provide relief of physical, psychosocial and mental stress. We take into consideration patients' and their families' health goals and values, as well as their spiritual, existential, and religious beliefs.


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If you are looking for the highest quality whitening treatments available, it will not be found in chewing gum or other products touting a better smile. The best and most effective products are teeth whitening gel systems designed specifically for removing irregularities in the color of your teeth. Here are some whitening system tips for treating deep stains and discolorations:
Professional Teeth Whitening Systems:
– The best kits for whitening your teeth with a whitening kit is with professional whitening treatments placed by your dentist.
– Getting your teeth whitened at our dentist office guarantees you that you will receive the smile you want.
– Not only will your smile look better, but it will be done suitably with custom whitening trays and safe and effective gels that will make your smile shine.
In-Home Teeth Whitening Systems:
– A supplemental in-home option to store-bought whiteners is at-home whitening systems given by your dentist for use in your spare time.
– In-home whiteners are sure to be safe and effective and can ensure you can touch up any problem areas with your smile and fight back against stains on your own time.
Store-Bought Teeth Whitening Systems:
– The most common versions of teeth whitening treatments are over-the-counter products that can be purchased online or at your local stores.
– The issue is that these products are unregulated and may not do what they say they do, and in some cases, can end up hurting your tooth enamel and bleaching your gums.
Teeth whitening treatments are another tool that you can use in your oral health repertoire. For any additional questions or concerns, Dentist 4 Life - Mark DeVuyst DDS, PC is here to help you with all your oral health needs. For a complete diagnosis from Dr. Mark DeVuyst and our team at our dentist office in Clinton Township, Michigan, you can schedule an appointment by calling us at 586-416-1625. We look forward to having you as our guest soon.


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It pays to know what your money is really up to
Financial Post July 04, 2009
The client: A 54-year-old divorced single woman, no children. She owns a home with a mortgage. She earns an annual income of $110,000, and has no pension.
The portfolio: The client had $300,000 in her RRSP, and $50,000 in non-registered investments. The RRSP was invested in five Canadian equity funds and two U. S. equity funds. Her non-registered account was invested identically to the RRSP, with the addition of a Canadian balanced fund.
The problem: "The client thought she had a conservative portfolio," says David Phipps, a certified financial planner for Assante Capital Management Ltd. in Ottawa. "But in fact, she was invested 96% in equities and only 4% in fixed income." That makes her a growth investor and her portfolio dives sharply when the market is in decline. Her holdings weren't tax efficient, either. The client held $50,000 in the non-registered portfolio, while at the same time having non-tax-deductible debt on her line of credit and mortgage. On top of that, "the little bit of fixed income she had was held in a taxable account." The portfolio's equity funds lacked diversification and suffered from duplication of mandates. So, why did she believe her portfolio was low-risk? "Her investment statements did not report the internal rate of return," Mr. Phipps says, "so the client had a hard time monitoring the account's performance."
The fix: Mr. Phipps determined that the client would be more comfortable with her assets allocated 60% equity and 40% fixed income, but decided to move the portfolio to 80% equity and 20% fixed, with a plan to move to 60/40 once the markets recover. "This approach balanced the client's desire for less risk with her concern about moving to a lower-risk portfolio at the bottom of the market." His next step was to diversify her equity holdings by asset class, geography, industry sector and security. He sold the mutual funds in the RRSP and invested the proceeds in a managed portfolio offered by SEI Investments Canada. The portfolio was chosen because it re-balances automatically to ensure the asset mix does not drift too far from the client's wishes. "And the Management Expense Ratio (MER) is lower than the MER being paid for individual mutual funds," he adds. In addition, each asset class is allocated amongst several money managers for diversity by investment style.
The advice: As for the nonregistered portion of the portfolio, Mr. Phipps asked his client: "If you came into my office today, would you choose to borrow $50,000 and put the money in the stock market?" Because that is exactly what she is doing, he says. "Anyone who has a mortgage and a non-registered portfolio is effectively choosing to borrow to invest. At minimum, they should restructure the debt to make it tax-deductible, but more often then not the client should simply pay off the debt."
The outcome: He sold off the $50,000 non-registered portfolio, paid off the line of credit and applied the remaining proceeds against the mortgage. The final move was to arrange quarterly statements, which show the rate of return for the whole account, so she is no longer in the dark about what her money is up to.
22% Canadian equity large cap
3% Canadian equity small cap
24% US equity large cap 4% US equity small cap
22% Europe Australasia and Far East (EAFE) equity
5% Emerging markets equity
10% Canadian fixed income
4% Real return bonds
3% Global bonds
3% alternative investments


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The main reason for the fall in the value of shares held by pension funds was the financial crisis not quantitative easing, the central bank said in a report on the effects of its £375bn of QE on savers and pensioners.
Nervous investors became reluctant to hold risky assets such as shares as the economy deteriorated, the Bank said.
The report published on Thursday is in response to the request by Treasury Select Committee for the Bank to justify its huge monetary experiment. Money-printing policy has been attacked for triggering "a death spiral" in pensions, which some experts say has led to the worst retirement payouts in history.
A £100,000 fund today will buy an annuity – or income for life – of £5,591 a year, according the Hargreaves Landsdown. At the time the Bank started quantitative easing in March 2009, it would have bought £7,200 a year. This compares with £15,000 in 1990.
Ros Altmann, Director General of the Saga Group, said the report showed the Bank was "oblivious" to the negative impact of QE on the 21 million over 50s.
However, the Bank said most people in Britain, including pensioners and savers, would have been worse off without its "unprecedented" response to the 2008 financial crisis as it cut interest rates to an historic low of 0.5pc and started QE.
"Unemployment would have been higher. More companies would have gone out of business," it said. "That would have had a detrimental impact on savers and pensioners along with every other group in our society."
By boosting the economy, monetary policy actions in Britain and overseas probably dampened this effect, it said.
The Bank said that while the benefits of money printing have not been shared equally across all individuals, all assessments of the effect of QE must be seen in the light of its response to the financial crisis.
The report said that asset purchases are likely to have had a broadly neutral impact on the value of the annuity income that could be purchased with a personal pension pot and pensioners already drawing a pension before QE began will have been unaffected.
The Bank said QE reduced annuity rates by pushing down gilt yields but the flipside of that fall in yields was "a rise in the price of both bonds and equities held in those pension pots".
"QE has caused the price of gilts to rise and yields to fall, in turn leading to an increase in demand for, and price of, a wide range of other assets, including corporate bonds and equities," the Bank said.
"That has lowered borrowing costs for companies and households and increased the net wealth of asset holders, both of which have acted to stimulate spending."
By pushing up a range of asset prices, asset purchases have boosted the value of households' financial wealth held outside pension funds, the report said. But, the bank acknowledged that those holdings "are heavily skewed, with the top 5pc of households holding 40pc of these assets."
Ms Altman said the Bank had failed to factor in the damage done to pension incomes by the inflation created by QE.
"Given that QE, even on the Bank's own estimates, has pushed up inflation significantly, the impact on real incomes and spending power of Britain's retirees has been damaged.
"The Bank of England seems oblivious to this effect. More than 90pc of those buying annuities are buying level incomes with no protection against inflation at all. This means that their future income will be permanently lowered by QE."
Ms Altman said the Bank's has asserted but not proved that pension savers are no worse off due to QE gilt-buying, because the value of their pension savings has gone up to offset the fall in the annuity income they will receive when converting their pension fund into a pension income.
"This assertion is simply not correct and the reality is very different for those recently or soon-to-be-retired."
In its report, the central bank stuck to its previous analysis that the first £200bn of asset purchases lifted the level of gross domestic product by 1.5 to 2.0 percent, and assumed a proportionate impact from the second round.


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Submissions Guidelines
River City Publishing produces books of national appeal, usually with an emphasis on Southern writers and Southern stories. At this time, we are publishing approximately six titles per year. Before sending any material, please review our current and recently published books to determine if your book seems appropriate for our list. Guidelines for individual genres are listed below.
We accept unsolicited submissions from new and unagented authors, as well as those from established and agented writers.
All submissions must include a SASE (self-addressed, stamped envelope) for our response. If you would like your material returned to you in the event it is not accepted for publication, include an SASE of sufficient size with sufficient postage; otherwise, the material will be recycled. Any submissions lacking a SASE will receive no response.
We do accept queries via email. Please include your query letter as inline text and not an as attachment. Do not include sample chapters as inline text; we do not accept unsolicited electronic submissions of manuscripts or portions of manuscripts as email attachments. We do not field or accept queries by telephone.
Send only one manuscript at a time. We will not consider multiple submissions from a single author. Do not send original artwork, photographs, or any materials that cannot be replaced.
Review of your manuscript may take between three to nine months. Due to our publishing schedule and reading backlog, we do occasionally, if briefly, close to submissions. Please be patient.
Individual Genre Guidelines
Please submit your first five (consecutive) chapters or up to the first 50 pages of your work; submit the entire manuscript only if you feel it is necessary. All first-time novelists (including those who have self-published) who do not have a literary agent should submit to our Fred Bonnie best first novel contest.
* We do not publish fantasy, science fiction, horror, religion, or romance novels.
Fred Bonnie Memorial Award for Best First Novel
The award was established in honor of author and writing teacher Fred Bonnie, who died unexpectedly shortly after we published his only novel, Thanh Ho Delivers. The contest to select the winner is held biannually; please see the contest page for more details.
Short Stories
River City averages one short-story collection every eighteen months. Only authors who have published their work extensively in literary journals or commercial magazines should submit manuscripts. Submittals should include at least five stories and reflect the people and culture of the South.
River City primarily publishes narrative nonfiction that reflects the South. We are looking for mainly for narrative histories, sociological accounts, and travel. Only biographies and memoirs from noted persons will be considered; we are closed to all personal memoir submissions. Include a cover page detailing the project and your experience that makes you an expert in the subject, along with three to five sample chapters.
* We do not publish self-help, how-to, business, medicine, religion, education, or psychology.
We are currently closed to all poetry submissions.
Children's Books
We are currently closed to all children's and YA submissions.
Mail submissions to:
Acquisitions Editor
River City Publishing
1719 Mulberry Street
Montgomery, AL 36106
Aside from a market guide, the bookshelf of every writer should sport the following tomes. There are approximately ten million "advice for writers" titles printed every day, but these three are truly no-kidding essential. They are, in no particular order:
NAMING THE WORLD and Other Exercises for the Creative Writer - edited by Bret Anthony Johnston
A whole conference-worth of inspiring lessons, narrative strategies, and exercises under one cover, assembled by Harvard's Director of Creative Writing.
ON WRITING: A Memoir of the Craft - by Stephen King
You've probably heard of Mr. King. Love him or hate him, his take on the craft and the writer's life cannot be ignored.
78 REASONS WHY YOUR BOOK MAY NEVER BY PUBLISHED (And 14 Reasons Why It Just Might) - by Pat Walsh
Witty, pithy, no-nonsense guide to mistakes well-meaning writers make, and how to avoid them, from the founding editor of MacAdam/Cage.


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Volkswagen R Series Licence Test
The Volkswagen R Series is being promoted in New Zealand with an online series of tests designed to measure whether you have the reactions to handle the fastest ever Volkswagens. Visitors to the R Series Test site are given four challenges: using arrow keys, stopping a speeding car with a click, clicking on a turning car four times in succession, and finally manouevering a Volkswagen around a track with accuracy and speed. The three cars being promoted are the Passat R36, the Touareg R50, and the Golf R32. Once the four tests have been completed with enough accuracy (you can retry each of the tests) you're issued with a personalised drivers license.
The R Series Licence Test was developed at DDB New Zealand by executive creative director Toby Talbot, interactive creative director Dan Wright, art director Gavin Siakimotu, copywriter Mike Felix, and designer Peter Chen.
Filed under: Interactive, Volkswagen, Volkswagen Touareg
Tagged: Dan Wright, DDB, DDB New Zealand, Gavin Siakimotu, Mike Felix, Toby Talbot
Location: New Zealand


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The Revival of Common Courtesy {3}
She asks, "Do you remember to communicate your intentions clearly to your hostess?"
The answer... of course!
I think my biggest pet peeve nowadays is the lack of notice some hosts and hostesses give to their guests, especially if they expect them to come.
Whatever happened to 2 weeks notice of party invitations? I'm not talking about an impromptu BBQ, but for instance a birthday party, a wedding shower, a baby shower, etc. The date of the birthday doesn't change from year to year, and the guests knowing the birthdate can't be expected to keep a few weekends open in that month, just in case the hostess/host picks that weekend for the party. Invitations to tea/coffee or a BBQ or picnic are fine extended via phone or in person with limited notice, I'm not requesting formal invitations to every event by any means. However, birthdays, showers, baptisms, weddings, etc, send an email or invitation via mail requesting RSVP 2 weeks in advance, please.
Also, please don't assume that a general invitation extended at a large group gathering is heard by everyone there. Invitations to future parties should be extended personally, so you know they heard you. These courtesies should be extended to everyone, including family, especially family. Don't be lax with your invitations just because you are related, that's the quickest way to hurt feelings due to misunderstandings.
4 comments:
Great post Barbara - problem with logistics on my part - we should have covered invitations before R.S.V.P.'s. I'm with you though. I hate when invitations are done at other functions. Too many times not everyone actually hears or is able to comprehend the invitation with trying to pay attention to the current event or some have already left.ReplyDelete
AMEN! :) hehe. I remember when we sent out our wedding invites (plenty ahead of time) with RSVP, we maybe heard from 1/2 with RSVP. It was a huge pain!ReplyDelete
When I organized my sister's bridal shower, with around 60 invites going out I got around 5 RSVPs! It is TERRIBLE!
I really like this meme that tamy started, I have to get my act together and participate!ReplyDelete
I've been invited to weddings where no RSVP card/envelope is included and the guests are expected to know to send a formal, written RSVP! Good luck getting those back!
Tamy: Exactly! :)ReplyDelete
Kim: Yeah it's pretty bad, actually I have a small story for you but I'll email it, don't want it in public.
Elizabeth: That wouldn't happen... no RSVP card given I'd call with my regrets.


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dbscan (1.1-2)
Density Based Clustering of Applications with Noise (DBSCAN) and Related Algorithms.
A fast reimplementation of several density-based algorithms of the DBSCAN family for spatial data. Includes the DBSCAN (density-based spatial clustering of applications with noise) and OPTICS (ordering points to identify the clustering structure) clustering algorithms HDBSCAN (hierarchical DBSCAN) and the LOF (local outlier factor) algorithm. The implementations use the kd-tree data structure (from library ANN) for faster k-nearest neighbor search. An R interface to fast kNN and fixed-radius NN search is also provided.
Michael Hahsler
Author(s): Michael Hahsler [aut, cre, cph], Matthew Piekenbrock [aut, cph], Sunil Arya [ctb, cph], David Mount [ctb, cph]
License: GPL (>= 2)
Uses: Rcpp, fpc, igraph, testthat, DMwR, microbenchmark, knitr, dendextend
Reverse depends: funtimes, ktaucenters, ParBayesianOptimization
Reverse suggests: gsrc, largeVis, opticskxi, OTclust, performance, shipunov, smotefamily, stranger, supc
Released over 1 year ago.


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Interview with Violet Lens紺樂團: Approaching East-meets-West music Through A Different 'Lens'
When you think 'Taiwanese indie music', those of you in the know might associate the term with kitschy groups dressed in colourful, mismatched outfits, or with distressed bands which always happen to have a female lead singer singing somewhat eerily. But no matter what popped up for you, I doubt 'East-meets-West music' was the first thing to spring to mind. A niche theme popularised by the likes of pop stars Wang Leehom, David Tao, Khalil Fong and more, it is surprising to see such influences creep into the underbelly of the Taiwanese music scene.
Nevertheless, that is exactly what Calvin Jordan and Anna Pan set out to do when they started their band Violet Lens in 2015, a five-piece indie/alternative pop/ punk and indie rock outfit that proffers an organic blend of Eastern and Western musical influences while performing in English, Mandarin and sometimes Taiwanese. The band, composed of Calvin (Songwriter, Backup Vocals), Anna (Songwriter, Vocals), Stan (Lead guitar), Howl (Bass, Backup Vocals) and Kulou (Drums) started in a way as Taiwanese and as indie as one could get; through the use of Taiwanese independent music sharing platform Streetvoice. Calvin recalls:
"Violet Lens started when I found a few of Anna's songs on StreetVoice.com. I immediately felt a connection to her voice, which sounded special even when recorded on a smartphone and paired with a beat-up old guitar. At the time I was living in Taichung, so I reached out to Anna and asked if she was open to collaborating and possibly meeting up in Taipei to play together. She was a bit reserved, but said she was interested. Shortly after that we met up and started sending snippets of song ideas to one another."
November 2019


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Nothing rings in the holiday season like some blood-boiling road rage and the utter conviction that you're the only person who knows how to drive on ice.
To help put it all in perspective, the Texas A&M Transportation Institute has released its annual Urban Mobility Scorecard, which ranks the metropolitan areas with the worst roadway congestion.
The researchers tallied the number of hours people spent stuck in traffic over the course of a year — also adding in the estimated fuel cost of all that wasted time — to come up with a list.
If only flying sleighs were real.


text:
You Catch More Flies With Honey Than With Vinegar. Or, How We Are Influenced By Our Perceptions Of Others./
I have been thinking about an article in Bloomberg News titled, "Online 'Likes' Herd Others To Similar Views, Study Finds," which discusses how Positive opinions of others in social media create a positive 'herding effect' or cycle of reinforcement. Positive 'Likes' create more favorable opinions than negative ones, and people tend "to jump on the bandwagon," which aligns with our work at MOST of Us. It also reminds me of the Science of the Positive and both Core principle #3 – Be Perceptive and Core Principle #1 - Be Positive. The fact is, we really are social beings, and we are influenced by our perceptions of others, especially the Positive perceptions and opinions. I would like to hear your thoughts on this as well though, so please leave your comments here, and thank you in advance for engaging in this dialogue with me.
(Photo - http://www.businessweek.com/news/2013-08-08/online-likes-influence-others-in-bandwagon-effect-study-finds)


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The incredibly creative and Coachella-esc vibe for Raury's visuals to his track, "Devil's Whisper" — just makes a person want to run freely in an open field of green grass and daisies, during a warm Summer day.
He sings:
"I'll tell the truth / I promise you / The world may frown upon the things I have to do."
And almost instantaneously, those lines vibrate the exact description of the title.
If you haven't yet heard about this young man, (and yes, I said "young man" because he is at a ripe age of 18-years old) — nonetheless, Raury is considered a Prince Of The Post-Genre Generation. An Atlanta native, he has lot a new fire in the ATL, whose fans include Lorde and Andre 3000. Raury is a new kind of artist but when you hear him you understand. Listen to "Devil's Whisper" below:
Not too long ago, we were beckoned with the thought of Raury being the future of hip-hop. As he sat down with Sway in the crew in-studio, peep this quick little clip from the interview, where Raury decides to throw an ill freestyle (and coincidentally in the same context of his newest track release), he also spoke to Sway about the good and evil in music. Check out this gem of an interview, below:


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Monday, 29 March 2010
Being Kiwi: The joys of being from a place nobody knows anything about
10 comments:
- Nadine said...
Sounds like New Zealand is a genuine piece of heaven.
Enjoy the next nine weeks - I can't wait to hear more about New Zealand and the beautiful mystery it contains.
- 29 March 2010 at 17:38
- ianandmonica said...
I adore this entry so much!!! I knew you would fall in love with the world's best kept secret of a fish hook island! Now you can see why I could not say anything negative about NZ. So when shall we all plan retirement there? Sweet as! Miss you heaps and heaps.
- 29 March 2010 at 19:52
- alisha said...
Monica, let's start planning retirement now! I now know exactly what you mean.
- 29 March 2010 at 20:46
- Matt and Joey said...
Great writing, Lishous. Read it aloud to Matt tonight over a cup of tea. It's interesting because right now Americans have such strong (and divided) opinions about what American should be and I just had a long discussion about Israel with a friend and walked away thinking, "I really need to form a better educated opinion about Israel." It really would be so nice to live somewhere that no one needs to defend/ chastize/ revolutionize or otherwise deal with an entrenched historical/political saga. NZ (which I am pronouncing in my head like our kiwi friends do: 'En zed') just seems too perfect for words.
By the way, have you noticed anyone there using the expression "sweet as" or "tasty as," etc.? It's like an implied analogy that's never finished, leaving the hearer to conclude that the thing being commented on is the nth degree of whatever adjective is being used. An odd and endearing colloquialism we enjoyed from our kiwi friends.
Here's a fun youtube clip about the way kiwis talk. It's odd the first time, but once you understand what they're saying, it's hilarious. :) Notice the infamous "I'm beached as, bro!"
- 29 March 2010 at 21:14
- Jenny said...
only 9 more weeks? whohoo!
i need new zealand...i think Wes would love it.
- 29 March 2010 at 22:07
- alisha said...
Jenny, NZ needs you too!
Joey, I love your dissection of the phrase "Sweet as". The first time I heard it I thought the speaker was saying "Sweet ass", but they weren't. That video gave me a chuckle too!
Also, as I was writing this post I was thinking that the only country to be more divisive than America is Israel. Imagine having dual-nationality with those two powder kegs!
- 29 March 2010 at 23:34
- Meagan Lopez said...
so exciting! I want that old man to be my friend. Do you think he'd mind?
Funnily enough, Jock and I spent a good few hours looking at ways for us to move to Australia or New Zealand. Looks like I could do a year working holiday, and with his job and UK citizenship, he could work there no problem. Who knows? Maybe we'll pop by and say hi before you go!
Really great writing - I didn't mean to finish it because I was rushing out the door, but you had me at "Best kept secret"!
- 30 March 2010 at 01:24
- La Dolce Vita said...
This post made me think about it...and it's true! Here in Italy it is known that New Zealand has - more or less - the same shape of Italy...that it is where "Lord of the Rings" was shot...maybe that is where kiwi fruits come from...but it's always out of the news. Apparently nothing happens in New Zealand...but talking with people, it's where everybody would love to go and visit...because it's considered a far exotic place, wild and uncontaminated. A perfect place where relax and enjoy life on the other side of the planet.
To me, it's funny the difference between Kiwis and Aussies...Kiwis love being far from everything, not considered and down under but on the contrary - when I was in Australia - they seemed pretty uncomfortable to be "down under", far and forgotten, and this sensation was confirmed by some funny postcards I found (where Australia was in the northern Hemisphere and Europe, US and UK in the southern Hemisphere!) .Once talking with an Aussie friend, she told me:" We live in a big country but we are just a few million people. China is overcrowded and what's if they decide to push us and invade us? Who would care for Australia, then?". At first I laughed and thought how strange and absurd this statement was, but also made me think and at the end it emerged how Aussies feel alone and harmless down under...
Anyway, as a travel lover I would like to experience New Zealand one day very much. For sure I couldn't stay there as long as you are doing, but I feel like it's a place that - even if far from everything - makes you feel comfortable and relaxed. Probably the right place where retire in peace if we can cope with being apart from the rest of the world.
- 31 March 2010 at 07:16
- alisha said...
Meagan, I highly recommend a year out here. Or Australia, that would be fine too. Let me know if you want any tips!
Mario, I agree, I think NZ is the perfect place to retire. And it's amazing how with TV and the internet it doesn't feel that far removed from everything else once you're here. It's like the rest of the world has forgotten about NZ, but you're still in touch. It's win-win for me right now!
- 31 March 2010 at 21:41
- Di said...
- 16 June 2010 at 03:11


text:
The ebook era is here to stay, and it demonstrates impressive projections.
The dynamic technology and mobility affect our everyday life. They even influence our reading habits. Contemporary young people prefer reading books using their e-readers, smart phones, and tablets.
Isn't it great that you can read anywhere without having your thick book with you all the time?
You can quickly find and easily download almost any book you'd like to read or need for your custom essay writings. At no cost.
According to statistics, digital book sales are predicted to account roughly for about a quarter of book sales worldwide. Ebooks are supposed to bring a revenue of about 20 billion US dollars by the year 2018.
Another curious fact:
A study by the Pew Research Center states that 27% of US citizens read electronic books in 2015. This number keeps on growing.
Will ebooks ever replace paper books?
There is no consensus yet as to whether digital editions will replace paperback.
But here are some benefits of using ebooks:
- Space saving
- Cost cutting
- Convenient reading
- Possibility to customize reading settings
Did you know?
One of the concerns about online reading is that it has enabled the so-called "F-shaped reading pattern." The point here is that while reading any digital content, a human eye scans the page in an F-shape. It helps to absorb just a few general key ideas of an article without deeply penetrating into the topic. This issue results in lack of depth in reading and thinking.
No one can be sure about the outcome of this electronic-paper battle. However, combining paper books and ebooks must be the best way to get all the advantages from reading.
Great places to get free ebooks
Are you looking for a good place to download an ebook or to read online? Whether your soul is craving a good classical novel, or whether you need a textbook for your Math class, our selection will help you.
Search no more!
We have created a full list of the websites where you will find all the necessary materials to read online. Watch out: you may easily get stuck on any of these sites for too long and forget about your initial intentions.
Free ebooks for your soul
1. Authorama
A website with 100+ free books from different authors. The format of books: HTML and ASCII. New books are added each month.
2. Book Stacks
Book Stacks hosts 60+ ebooks written between 400BC and 1955. You can download them from a direct link in PDF format.
3. Bookboon.com
Founded in 1988, Bookboon is the world's biggest ebook publisher now. There are currently 1,000+ textbooks for students, as well as 600+ ebooks for professionals in the business field in 9 different languages.
4. Bookyards
This resource gives an opportunity for users to publish their own books and choose among 21,700+ ebooks free of charge for reading.
5. DailyLit
A curious resource where you can read free books using your email or RSS. All you have to do is select a book and set up the time when you want to have it delivered. This way you'll get your book just in time and will be spending some 5–15 min. on reading daily.
6. Ebook Lobby
Ebook Lobby is an online library with free non-fiction books. Choose the book by categories: Art, Business, Law, Sports, Computing, Education, etc.
7. Fiction.us
This site is a great place to find free online books like novels, bestsellers, short stories, plays, poetry, and picture books. You can use different filters to select the right book for you.
8. Free Books
Whatever book you're looking for, you are likely to find it on FreeBooks.com. Moreover, the users are free to contact the administrators to help them find materials that are unavailable on the website. All kinds of downloadable textbooks and ebooks in various topics and genres are available on the site.
Find books from rising authors here. You'll enjoy reading the entertaining romance and fiction. All kinds of non-fiction literature can also be found here.
10. FullBooks.com
This site offers thousands of full-text books of different genres and topics. No payment is required.
11. Internet Archive
The Internet Archive, being one of the biggest free media resources, currently counts more than 10,000,000 books and texts.
12. Kobo Free eBooks
A great place to find both free and paid books. You can choose from over 5 million of them, and download the Kobo app to make your reading more convenient. Get recommendations, find top-rated books, and read previews to opt for the best books.
13. ManyBooks.net
You can find 33,000+ free books all around this site. It offers the users multiple search opportunities: by genres, titles, authors, languages, as well as recommended and popular books.
There are already more than 53,000 free books located in this catalog. The readers can choose from EPUB books or Kindle ebooks. You can either download them or read them online. Thousands of volunteers helped to digitize and proofread the published books.
This site will offer you a big collection of the finest classics for reading online. You can read them online, download them, or go directly from the site page to Amazon to buy a hardcopy.
16. Read Any Book
ReadAnyBook.com is another great site offering a big collection of free online books to add to your library. Track the "Free book of the day" update. You can download your favorite book in any popular format to read it on your e-reader or upload your own book for others to read.
This is a searchable resource currently offering 3,500+ full books, 4,400+ short stories, and poems by 260+ writers. Moreover, you will find over 8,500 quotes in their database, and more than 340 quizzes. Join the discussions with thousands of other forum members.
There are in total over 2 million works on the website available in various formats. You can select from a "curated collection" with about 50,000 books, and the rest can be found in the "extended shelves."
19. Heidoc
Find time-limited free offerings from Amazon on this site. Get daily updates by email and select updates only for the genres you're looking for.
20. eReaderIQ
Find freebies from Amazon here. The listing is abbreviated and the offers are limited in time.
21. DigiLibraries
DigiLibraries has more than 20,000 free ebooks in various genres. All of them are free to read online and are available in the following formats: EPUB for the Nook and MOBI for Kindle.
22. Open Library
Choose your free books from over a million items on the website to read online: non-fiction, Social Sciences, reference, pure English, Religion, etc. You can select them by subject, title, or author.
23. Books-On-Line
This large collection includes books in Literature, Geography, Technology, Natural Sciences, and more. Here, you'll find either the entire book available for free, a special "electronic edition," or just several sample chapters.
24. Free-eBooks
Contains a huge collection of free fiction, non-fiction, and academic books, as well as audiobooks.
25. The Internet Book Database of Fiction
This collection features a wide range of books in any genre. Anyone can submit a book, or donate.
26. Literature.org
The Online Literature Library offers the full texts of classic works of English Literature. Fiction from authors like Aesop, Leo Tolstoy, Edgar Allan Poe, Mark Twain, the Bronte sisters (Anne, Charlotte, and Emily), Lewis Carroll, Jack London, and many others.
27. RevolutionSF
RevolutionSF presents unique science fiction, horror, and fantasy stories. Some tales are reprints from classical masters; others are presented less traditionally. You'll find here the works done by the gifted up-and-comers, as well as by the legends in the field.
28. The Free Library by Farlex
A unique Free Online Library: one of the biggest online libraries on the web. It presents millions of publications, magazines, news, newspapers, journal and reference documents in the subjects like Business, Health, Communications, Entertainment, Law, Politics, Government, Science, and Technology. You'll always find there what you're looking for.
It's one of the oldest cultural institutions of the nation. It is also a huge library containing more than 162 million works. The collection offers anyone to check books, pictures, audio recordings, maps, photos, and manuscripts.
30. OverDrive
The site offers a large catalogue of electronic books, audiobooks, and videos. You can also find here New York Times Bestsellers, Recommended Reads, 1984 Read-Alikes, and 2017 Youth Media Award Winners.
Classic Bookshelf is a good resource to read classic books online. Classic Bookshelf offers its users easy e-reading with the help of a special Java applet. This program allows the readers to choose the best text size, spacing, and color they prefer.
This constantly updated resource presents more than 2 million free books. You can also choose from the collection of banned books and prize winners. It includes a big collection of classic literature.
33. Classic Reader
Classic Reader currently has more than 3,800 classic free books online, short stories, and plays available online by different classic writers and poets, such as Dickens and Shakespeare.
There is a wide array of classical works in genres like History, Science Fiction, Romance, Mystery, and Literature for Children.
35. Read Print
Thousands of online books from the leading classical authors. You can track your reading progress, get recommendations, join the online book clubs and groups, and discuss literature.
36. Planet eBook
Over 80 classic books for download: read "The Great Gatsby," "1984," "Pride and Prejudice," "Pollyanna," and many more books here for free.
Find British and American authors like Shakespeare, Sir Arthur Conan Doyle, Jules Verne, Mark Twain, and enjoy reading their works for free. Make sure to check and read the most popular works.
Thousands of free out-of-copyright books online. Download the best classics in PDF or PRC format to read on Kindle, Sony eReader, Android, Nook, iPad, iPhone, and other gadgets. If you can't find your favorite book here online, feel free to contact the site's administration and let them know about it.
A quickly growing list of ebooks, lecture notes, and other documents found all over the web. They are all free to download. Even more so, you can upload and promote your own ebook(s).
40. DIYGenius
This public domain library of classic ebooks is dedicated to the great philosophers and dreamers who managed to change the world with their ideas. Read their thoughts and change your own world outlook.
41. Luminarium
An anthology and guide to English Literature. Find here the works of the following periods: Middle Ages, Renaissance, 17th Century, Restoration, and 18th Century.
42. Page By Page
Classic literature lovers will like this place on the web. There are hundreds of books in the classic genre on Page By Page. You can search books by authors here.
43. Stage Beauty
A website dedicated to the female stars of the Golden Age English Theatre. You'll discover brilliant Autobiographies, Plays, and Theory of Drama. Read books online free in HTML format or download them on your Kindle device.
You might also find this page useful: it provides the direct links to drama and free plays ebooks on Amazon Kindle.
A large collection of external links to texts in Drama, Play, Performance, and Masques. Some materials are downloadable, whereas others can be read online.
46. The Online Waldorf Library
This site will provide useful information in English and in Spanish for everyone interested in Waldorf education. It helps to find all the available resources about Waldorf education currently in print or already for sale. Moreover, there are available ebooks in PDF format for you to download.
47. Plays
Read here four plays in open access: "Uncle Vanya" by A. Chekhov, "Pygmalion" by George B. Shaw, "The Playboy of the Western World" by J. M. Synge, "The Importance of Being Earnest" by O. Wilde.
48. The Complete Works of William Shakespeare
Are you looking for the full collection of Shakespeare's works? Here they are! MIT in Massachusetts has made available all of Shakespeare's comedies, tragedies, and histories for you.
49. Plays Online
A service for playwrights and play readers. Find here a full-text version of plays online for free.
50. ProPlay
The website features the plays, dramas, comedies, and musicals for children.
51. Simply Scripts
A collection of hundreds of plays and movie scripts, screenplays, musicals, and transcripts for movies, anime, and radio shows. All texts are easily downloadable.
A unique website dedicated to a late Victorian era playwright Oscar Wilde. Find the full collection of his plays, short stories, and poetry.
Welcome to the EServer Drama and Theatre website. This site will offer you a collection of original plays and screenplays, critical reviews, and helpful links to external theatre-related resources. You are free to submit your work for review. The play scripts are organized in historical order: from Medieval to Contemporary Drama.
54. Theatre Database
A vast database of theatrical works: from Ancient and Medieval Theatre and till the 21st Century Theatre. Here, you'll find everything from Sophocles to the Theatre of Absurd.
55. Harris Collection of American Poetry and Plays
This collection is located in the John Hay Library. It includes nearly 250,000 volumes of American and Canadian plays, poetry, and vocal music from 1609 until today. It looks like the biggest and most comprehensive collection in this field ever presented in a research library.
56. Poetry Archive
A wide array of the world's greatest poems all in one place: historical, dramatic, narrative, humorous, categorized by century, for children, or for weddings. Choose the poems to read depending on your mood or event.
57. Poetry
A comprehensible list of poems by Lewis Carroll, Henry W. Longfellow, Rudyard Kipling, and many others.
58. Poem Hunter
An interesting website to find free poems, lyrics, and quotations. You can read and listen to poetry here and find some great site features, like Poetry Contests, Poem of the Day, categories "Top 500 Poems" and "Top 500 Poets." Feel free to submit your poems.
Enjoy reading love and friendship poetry, inspirational poems, limericks, and poems by famous poets, like Robert Browning, Emily Dickinson, John Donne, Lord Byron, and others.
60. Google Poetry
Google Books will offer you an almost unlimited selection of poems for any taste.
Read poems by Elizabeth Barrett, William Wordsworth, Robert Frost, Edgar Allan Poe, Sylvia Plath, and many more. Browse a "Poem of the Month," read "Top 50 Poems," or find poems by their topic.
62. The Children's Poetry Archive
The Poetry Archive was founded to get new poetry recordings for children and put them together on this website so that your kids could listen to them. Create your own collections and share with your friends.
It's a non-profit organization that makes and also acquires recordings of English-speaking poets globally and makes them available online for you free of charge.
This site's motto is "Loving. Healing. Touching." There are thousands of poems that are well-organized in various categories. Anyone can submit a poem, get involved in relevant discussions, or even discover some poetic techniques to create their own poetic masterpieces.
65. All Poetry
One of the largest poetry communities and an inspiring place for poets. Every poem submitted gets several encouraging comments and might even win a prize in a national contest. There are also private forums open for friends or critiques.
Poetry Foundation is a publisher of Poetry magazine. It offers a huge collection (over 30,000) of poems, audio, and video recordings. Be sure to check some poetry-related materials as well.
67. Poetry Out Loud
You will not only find many poems on this website, but you'll also get great lessons and tips on how to master the recitation. This great program was created to help students master their public speaking skills, acquire self-confidence, and discover our literary heritage.
68. Chest of Books
This site has a big choice of free books on subjects like Gardening, Cooking, Home Improvement, Design, Craft, Hobbies, Arts, etc. Just choose the category you prefer. You can read them all for free.
69. 2020ok.com
A big directory for free books online and ebooks in different categories: Spirituality, Art, Entertainment, History, Horror, Mystery, and many other genres.
70. Noisetrade
A big collection of books available in formats EPUB, PDF, or MOBI. You can connect this service to your account in Facebook. You can also leave a tip for your download.
71. All Free Crafts
There are several craft books in PDF for free download. No need to register on the website to read or to download the ebooks.
72. Foboko
Foboko has 2,400+ free ebooks divided into categories for free online reading or free download in formats PDF, TXT, EPUB, MOBI Pocket, or you can send them directly to Kindle. Free registration is a must. You can read online as much as you want. However, there's a limitation: just 5 downloads per month.
73. Smashwords
A link to the Smashwords' Crafts and Hobbies ebooks and articles collection. A big choice of formats for download, online viewing option, no registration required.
74. Public Bookshelf
Users can read romance novels free of charge here. Besides that, this resource can become a great stepping-stone for beginners: write your story or book, and get quick feedback about it.
Here you can search for Christian novels, fantasy and graphic novels, adventure books, horror books, and more. Download the books for your eReader, phone, tablet, or PC.
76. Free On-Line Novels by RLC Authors
The works of Romiley Literary Circle members in a form of observations, book reviews, and other materials that are frequently rather quirky or eccentric. There are also external links to free ebooks.
77. Baen Books
The Baen Free Library offers plenty of free science fiction and fantasy books. Select them by author, publisher, category, or title. Then you can either read online, download a zip or unzipped file, or even have it emailed to you.
78. GetFreeBooks.com
Are you looking for fiction books? This website has thousands of downloadable books available on any topic and in different popular formats. Moreover, you can find trending books and interesting news from the book world.
79. John T. Cullen
Read novels, short stories, and poetry by John T. Cullen on his website.
80. Viable Paradise
A science fiction and fantasy writers' workshop. The specified link takes you to the page maintained by James D. Macdonald. You can read all the ebooks available there online.
81. Strange Horizons
An unusual magazine about speculative fiction. You're welcome to read online fiction, poems, essays, reviews, roundtable discussions, interviews, and art.
82. The EServer Collection in Fiction
The works of and about fiction from the site's members worldwide. Find here biographies, journals, critical reviews, short fiction, and links to other fiction on the web.
83. BookRix
Download free books from BookRix collection or read them online. Everyone will find a book to their liking: romance, short story, thriller, etc. This link will get you to the Humor category.
The link will take you to the Humor category of the Directory. There you'll find some links to humorous books gathered here on one page from all over the web.
85. Goodreads
Are you ready to laugh out loud? Here's a good list of humorous romance books that will make you laugh for sure. You can vote for your favorite books and tag them depending on whether you're reading them, have already read, or just planning to read.
86. QNovels.com
Find your preferred books in the Humor category and read them online right away. No registration is needed.
87. Loyal Books
This is a Free Public Domain Audiobooks & eBook Downloads. You'll definitely like the site's considerable collection of ebooks.
This is a link to Humor genre ebooks. Some of them are free, others require payment.
89. Centsless Books
The website monitors Amazon (USA) for the top 100 free ebooks in the Humor and Entertainment category. If you subscribe, you'll be getting regular updates on freebies or gift card giveaways every Monday, Wednesday, and Friday.
90. eBookTakeAway
This site's link offers free ebooks in a Comedy and Humor Fiction category available for free download in PDF, HTML or ebook text. Funny stories, books, and poems are available to download for free from authors like Jerome K. Jerome, Henry James, William W. Jacobs, and others.
91. Fahim Farook
Fahim Farook is an author of the humorous science fiction novel "Honest, the Martian Ate Your Dog." You can download it or view online for free.
92. FeedBooks
Another public domain with a good-sized collection of works in its Humor category. All the works are can be downloaded in EPUB, Kindle (MOBI), or PDF formats.
93. FreeBook-S
This is a Humor category of the classic books in different languages. Available for free download in EPUB, MOBU, and PDF formats.
94. Giggle Poetry
A big collection of funny poems for children for reading online. Free of charge. Your children can even learn here how to write poems! A poetry class and other interesting activities are free.
95. Nobooko
Free ebooks in the "Humor & Comedy" genre. Most of them link to Kobo and can be downloaded for free in EPUB after the reader signs up for free at the Kobo website. There are also some free offerings from Smashwords.
96. PDF Titles
The site offers some free ebooks in a search of Humor. In spite of the site's name, these ebooks are all available for free download in various formats, including PDF, EPUB, and other Kindle compatible formats. You can also find additional works in a wide selection of sub-genres. You'll like this collection.
This category contains funny stories, Shakespeare comedies, and any fiction or non-fiction that are at least intended to be humorous. Read them free online.
98. WikiSource
A nice collection of prose and poetry from the 19th-20th century that you can read online for free and have a good laugh. Some are also available as audios. Two satirical reference books can also be found here.
Free ebooks for your work and study
99. Community College Consortium for Open Educational Resources
Search throughout your preferred subject areas, and find a fantastic array of free textbooks. The goal of this project is to make OER Open Textbooks open for use by college students and faculty.
100. Curriki
Curriki is an open education service and acts primarily in support of K-12 education. You will find a huge amount of books on this website, but even more so, Curriki has a variety of learning and teaching materials.
101. Open Book Project
This site contributes to the free and open dissemination of global knowledge. Everyone can find open access textbooks and other educational materials online here.
102. Open Culture
Open Culture includes over 200 open access textbooks written by knowledgeable scholars.
103. Open Educational Resources
You can find lots of online open access materials published on the website. They are divided into several groups for your convenience: subject areas, grade levels, and types of materials. Feel free to use whatever you might need.
104. Openstax
The non-profit project OpenStax was created to improve access to education for students. Free educational books and other materials on OpenStax are now used by hundreds of thousands of students. You can easily join them as well.
105. Questia
This online research library offers both free and paid features. You can find more than 83,000 academic books and over 10 million articles from the leading publishers worldwide.
106. Textbook Revolution
Textbook Revolution is a free book area run by students. The aim of the project is to bring free educational materials into the classrooms. Anyone can find textbook reviews or select free resources for education. The books are available in PDF, can be viewed as ebooks online, or just give the link to a website with the content.
107. TextBookGo
TextBookGo.com is a great source for free ebooks from all sources and for all kinds of courses. Students can quickly download the needed material onto their device and start reading it right away. Others are free to share the e-texts they have with others.
108. Textbooks Free
A variety of textbooks, ebooks, free learning stuff, video lectures, free learning materials, and free courses are presented on this site.
109. WikiBooks
WikiBooks is a big collection of non-fiction books where anyone can contribute. There are currently 2,800+ books with 55,700+ pages available at no cost.
110. FlatWorld Textbooks
There are 12 free books available for online reading on this website: in Economics, Finance, Banking, and Business.
111. Bartleby
Bartleby is one of the leading publishers of content generated by students, researchers, and other creative minds. This website will provide you with any information you might need on any topic imaginable for free.
The Bibliomania Reference Section is a treasure for all intellectually curious people. In just one place you will find any language reference book, like dictionaries, quotations, synonym books, thesauruses, literary sources, linguistics dictionaries, etc.
113. Encyclopedia.com
You'll find over 100 credible sources on this website: dictionaries, encyclopedias, and thesauruses with synonyms, facts, definitions, abbreviations, and word origins.
114. Fact Retriever
A constantly updated collection of interesting facts from all over the world.
115. FreeBookCentre.net
This section contains free reference ebooks and guides. Some of the resources can be viewed online, and some of them are downloadable.
116. Obooko
Obooko includes a wide range of reference ebooks open for reading free of charge. Discover guidebooks, almanacs, compendiums, and directories to help you boost your knowledge and become smarter.
117. Online PR Directories and Calendars
A useful website to be bookmarked. You'll get an extensive range of directories (almanacs, libraries, catalogs), calendars, research guides, encyclopedias, internet research guides, hoaxes, and other helpful data to make your life and studies easier.
The Encyclopedias Section of the site is a useful page for anyone wishing to expand their horizon. You'll find references to 27 encyclopedias from all around the web. It's worth bookmarking.
119. The Free Dictionary
This is the most comprehensive free online dictionary, thesaurus, and encyclopedia of synonyms, abbreviations, definitions, and idioms. It includes specialized dictionaries in various fields, like Law, Medicine, and Finances.
120. PinkMonkey.com
The world's biggest library of online Literature Summaries available for free. It presents 460+ useful Study Guides / Chapter Summaries / Book Notes, and more.
121. Physics Database
A database of over 70 books in Math that you can get for free.
122. Science and Engineering Books for free download
A wide range of free programming books divided by categories: Java, Linux, SQL Database, Networking, Perl/Python, C and C++, Microsoft, Database, Security, Assembly, Science ebooks and manuals.
123. FreeScience.info
Find 2,000+ Math, Engineering, Science, Economy and Finance books here and download them for free.
124. Abstract Algebra: Theory and Applications
You need no registration or payment to find out about the Abstract Algebra theory and applications.
125. A First Course in Linear Algebra
Find here an introductory level textbook in Linear Algebra for reading online and for free download in PDF without registration.
126. American Institute of Mathematics
The website includes external links to the approved Mathematics textbooks in open access for college level courses. You need no registration for this site.
127. American Mathematical Society (AMS)
A collection of books on Mathematics History: find here the links to free online AMS Books and Resources.
128. arXiv.org
Cornell University Library offers 1,233,799 e-prints in open access in the following subjects: Mathematics, Physics, Computer Science, Quantitative Biology, Quantitative Finance, and Statistics. Totally free for download.
129. Book Gold Mine
This is a real gold mine for those who want to master Math. This resource lists the links to various free math related materials and courses throughout the Internet.
130. By Math
A great place to find full learning materials for an elementary level mathematics learner. It's all free and with no sign-up required.
One of the first websites worth checking if you're looking for materials in Mathematics. It has a huge collection of free textbooks for free download in PDF or to view online. Here you'll find Math textbooks for grades 1-5, Arithmetic, Geometry, Probability, Trigonometry, Statistics, and more.
132. ClarkU
Clark University has uploaded for you the classic work in Mathematics–Euclid's Elements. Anyone can read it online for free without registration.
If you're looking for a textbook on Prealgebra–you'll need to check this site. It offers a free textbook on this subject for free. You can download it in PDF by chapters or as a whole book at once.
134. Free Book Centre
This section of the Free Book Centre has free ebooks and manuals in Mathematics. You can view some of them online, others can be downloaded.
135. Free Math Books
The resource has a sizable collection of offsite links to free ebooks in Mathematics. These books mostly appear to be textbooks for high school students.
136. GitHub
A directory of links to all kinds of free programming books, guides, manuals, and textbooks that are available for download throughout the web.
137. Jean Gallier
A collection of Jean Gallier's math books for online reading free of charge.
138. Jim Hefferon
An introductory course of Linear Algebra for college level with answers to all the exercises. The students can use it as a main material or a supplement, others can even study it independently.
139. MacTutor History of Mathematics
The history of mathematics presented in a very nice layout: including data on various cultures and different topics. For free online reading.
140. Free Textbooks in Mathematics
A well-organized collection of free Math textbooks from all over the web. You'll easily find here any book from over 20 categories: from General Math and Algebra to Probability Theory and Mathematical Physics.
141. Math and Multimedia
A directory of links to over 30 free online textbooks in Algebra: Elementary Algebra and Trigonometry, Abstract and Linear Algebra. You might find here what you were looking for.
142. Math eBook Net
An interactive website to learn Mathematics with ease. A user can enter a virtual classroom and read texts online or download free Math materials divided into categories: Kindergarten, Elementary, Middle and High school.
143. NeuraLinksPlus
A helpful collection of links to different online textbooks, mostly in subjects like Science and Math.
144. Statlect
Statlect provides a digital textbook on the theory of probability and mathematical statistics divided into sections. Whoever needs it, can read it online for free without registration.
145. Wolfram Mathworld
This website positions itself as the most extensive mathematics resource. You'll find all kinds of math related information here for free: Math Foundations, Number Theory, Discrete and Recreational Math, Algebra, Geometry, Topology, and many more. Enjoy your free reading online!
146. Free College Arts and Science Textbooks Internet Library
Are you looking for more free college textbooks in sciences? Here they are: all useful links gathered and listed on one page.
147. ComputerBooks.us
Free high-quality books on Computers and Programming available for download.
148. Daily Artisan
This page offers you open source ebooks and guides for Linux and some distros. The links lead to external sites, that's why viewing and downloading options vary.
149. FreeTechBooks
A collection of 1,100+ online computer books, manuals, textbooks, and lecture notes that are free / in open access for all users.
150. GE Geek
A massive directory of links leading to various tech related articles, guides, tutorials, and ebooks found throughout the web. Some links will take you offsite; others will instantly download the requested material.
151. In-Tech
One of the world's largest book publishers of open access materials in Science, Technology, and Medicine. Currently the collection of Computer and Information Science books counts 332 books in PDF for free download.
152. Programming Ebooks
This website lists free programming related books found on the web. The collection is rather sizable.
153. Science Books Online
The Computer Science category offers links to free computer books in different subcategories: Theory of Computation, Databases and Information Retrieval, Artificial Intelligence, and others. The links will take you offsite, so download options may vary. However, most books are in PDF.
A big collection of books about computers, Programming, Software Development, Web Design, IT, AI, computer hardware, networking, etc. Feel free to download them and enjoy reading.
155. Free Computer Books
Read free books online in the technical disciplines like Programming and Mathematics. Lecture notes are also available on the website.
156. Free Tech Books
This is the storage of open access books in Computer Science, textbooks, and lecture notes for free. The collection currently counts 1,100+ books, and it keeps on growing.
157. Free Textbooks in Mathematics Directory
This resource contains links to helpful free textbooks in Math. You can safely download, read, or print them out.
158. Ideology.us
Discover free ebooks in disciplines like Psychology, Sociology, Politics, etc. Here, you'll find works by Rene Descartes, Arthur Schopenhauer, Sigmund Freud, John Stuart Mill, David Hume, and others. Read these books online on this very website.
A very good selection of ebooks in Philosophy, Yoga, and Religion. You can freely download them in PDF or HTML, or buy print edition if you need.
160. A Buddhist Library
Has a big number of articles (6,000+) and books (400+) that mainly cover Buddhism, but there are also many works on world religions as well: Christianity, Islam, Judaism, and others.
This website is considered to be the most complete Christian texts collection before the Council of Nicaea in 325 AD. Another outstanding feature is that you can find translations and comments on the sources provided. The texts are listed in chronological order and are divided into categories: the New Testament, Apocrypha, Gnostics, Church Fathers, as well as some non-Christian references.
Read online a full collection of Jewish documents from ancient times including translations, introductions, and useful links.
163. eBooks@Adelaide
You can read online here or download in MOBI and EPUB free classic works in Religion.
164. Internet Sacred Text Archive
The largest archive of online books in Religion, Folklore, Mythology, and Esoteric. The amount of ebook categories is sure to impress anyone.
165. Ishwar
One more awesome collection of free ebooks on the majority of religions out there.
166. Islam for Universe
A wide array of books about Islam in English and other languages. The materials are available for download in PDF.
167. Meta Religion
At Meta Religion, you're welcome to check an extensive coverage of almost all the existing religions: Ancient Religions, Christianity, Hinduism, Sufism, Voodoo, and others. You can view these books online for free.
168. Religion-Online
The website offers you to read the complete texts of the recognized scholars in Religious disciplines. There are over 6,000 articles and chapters. Topics include the Old and New Testament, Religion History and Sociology, Ethics, Cultural Studies and Communication, Pastoral Care, Homiletics, Worship, Missions, and Church Education.
169. Early Modern Texts
A very convenient search of Philosophy books sorted by authors. There are classics of early modern philosophy, as well as several from the 19th century. No registration needed, free download in PDF is available.
170. Infomotions
A sizable collection of etexts in Philosophy. The materials are placed chronologically and can be read online for free.
171. Philosophy Pages
If you need to learn more about the Western philosophical tradition, this site will help you. You'll like a convenient search of texts: by History, Timeline, or Philosophers.
172. Bible History Daily
This is a website of a Biblical Archaeology Society. By signing up to this site, you'll be able to read about Ancient Cultures, Archaeology, Biblical Artefacts, Sites and Places, and many other things you might be interested in.
Tufts' Perseus Digital Library includes texts from Ancient Rome and Greece times. They are published in original languages and English.
174. Figment
Almost 5,000 works in History available for free. You'll find loads of interesting and useful materials here.
175. International World History Project
A collection of the World History books from the Pre-Sumerian Times to the Present. Here, you'll find various documents, essays, music, and maps. Some of the files are in EXE, others are in PDF or ZIP text files. There are also some that require a TK reader to view them.
176. Kellscraft
The website offers free books in the History genre for anyone to read online. There are many interesting books like "The Autobiography of Benjamin Franklin," "Stories from Roman History," "Early American Craftsmen," and more.
177. Talebooks
There are about 100 free PDF ebooks in the History genre that anyone can download and read right away.
The books on this site are mostly for sale, however there's a two-volume book–Stories of the Civil War–available for free viewing or download in PDF.
179. WikiSource (World History)
An extensive selection of the free World History related works. Specifically, there's a category dedicated to the American History collection available for free online reading.
180. Ebooks for All
There are in total 16 free ebooks in History: about the USA, Asia, Europe, and more.
181. Ebooksgo.org
Open Ebooks Library provides free access to a number of books in History covering the topics like the History of Jewish Christianity, Westminster Abbey, Civilization, Coinage, Technocracy, and others.
The Office of the Historian presents ebook editions of an increasing number of volumes from the series of the Foreign Relations of the United States (FRUS). There are currently 340 volumes available for reading online or downloading in EPUB or MOBI formats.
183. Wikibooks (History)
A can't miss collection of historical texts divided into subsections: Art history, History by continent, Mathematics history, Military history, Religious history, Transportation history, and European and New Zealand history.
184. Homeschool Base
This website will enable you to study the Ancient Greece Biographies, Mythologies and Histories, as well as Greek Culture, Art and Life. There are also a few audiobooks available for any user.
185. Directory of Open Access Books (DOAB)
There are 1,130+ books for you to study History and Archeology in different languages.
186. Edtechteacher
A website on History aimed to provide a convenient and reliable access for teachers, students, and independent learners to the online resources in History. The site includes links to 1,200+ websites that offer K-12 history lesson plans, historical guides, activities, and other history-related content for easy learning.
187. UQ Library
This page of the University of Queensland will take you to a selection of free online resources for secondary schools in Modern History. You'll be amazed by an outstanding collection of links to the databases of history sorted by Studies of Conflict, Hope, Power, and Cooperation. There are also links to videos and materials for teachers.
188. Best eBooks World
A list of the Business ebooks for free download. Anyone can comment on books presented. Here are some categories you might be interested in: Online Business, Stock Trading, Marketing, Finance, Economy, Sales, etc.
189. Business Book Mall
A large directory of Free Business Textbooks in multiple categories for free download: Finance, Entrepreneurship, Accounting, Management, etc.
190. eBooks Library
There are free ebooks in the Economics & Finance category available for free download. If you click on the author's name, you'll see brief information about the author and a listing of all their works that the site contains.
191. Education Blogs
Education–Blogs, Websites, Wikis, Directories suggests checking a few categories of its business-related books: Business, Financial, Marketing, Scientific, Project Management, and the Management Principles.
192. Feedbooks (Business and Economics)
The website presents 35+ free Business & Economics books. They are ready for download in PDF, EPUB, or Kindle formats.
193. Financial Management Training Center
The Financial Management Training Center will easily teach business finance discipline to anyone. Here's what you'll find for your studies: quick or expanded online training courses, webinars, spreadsheets, videos, and additional resources for study.
194. Merlot
The Business ebooks collection of Merlot (Multimedia Educational Resource for Learning and Online Teaching) presents almost 6,900 items to read for free. The links will take you to external resources, so viewing and download options differ.
195. Micro-eMBA
Are you interested in starting and managing a non-profit organization? Then this online course is for you! Enjoy learning online for free and without registration.
196. Wyzant Resources
The WyzAnt's accounting lessons will let you learn the main accounting concepts and polish your accounting skills. You'll get acquainted with a history of Accounting, discover the Financial Statements and Budgeting.
197. MIT OpenCourseWare
Dive deep into the Business field with the Sloan School of Management section. It includes both materials for undergraduate and graduate students.
198. Napoleon Hill
Read a classical "Think and Grow Rich" and more works by Napoleon Hill in the Internet Archive.
199. Read Central
Just search for "Business" on this website and you'll get at least 8,100 free ebooks for free online reading without registration.
200. ZainBooks
This link will take you to almost 50 free online texts in Business, in the form of lessons.
There are currently 24 Business ebooks for free download in PDF with no registration.
Use this list to entertain yourself and expand your horizon!
If you're still searching for more ebook resources, you're welcome to check out this list compiled by The American Association of Blind Teachers. They offer a good selection of useful links to a vast variety of digital texts and their bibliographies.