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Deadly Innocent Misinterpretation #50: Every time that the Federal Reserve Bank pays interest on excess reserves, they are subsidizing the banks.
Fact: Every time that the Federal Reserve Bank pays interest on excess reserves, they are not subsidizing the banks.
"It's a bit of a misnomer to think that there's a subsidy there. We aren't paying an interest that is above the general level of short term rates. We are paying rates to the banks that they can get from other banks or from elsewhere in the short-term money markets. In addition, those Treasury bonds and MBSs (our assets), are yielding much more than the interest we are paying on those reserves (our liabilities), so it is not a subsidy to the banks—and in fact it is a huge profit to the federal taxpayers."—Fed Chair Jay Powell's comment after the FOMC unanimously raised the target range for the federal funds rate to 1-1/2 to 1-3/4 percent, 03/21/2018
Deadly Innocent Misinterpretation #51: The Labor Force Participation Rate remaining roughly unchanged is a sign that the job labor market is terrible because disenfranchised people have given up.
Fact: The Labor Force Participation Rate remaining roughly unchanged is not necessarily a sign that the job labor market is terrible because disenfranchised people have given up.
"The LFPR remaining roughly unchanged is actually another sign of improvement of the current strength of the labor force given the downward pressure of our aging population."—Fed Chair Jay Powell's comment after the FOMC unanimously raised the target range for the federal funds rate to 1-1/2 to 1-3/4 percent, 03/21/2018
"The recent year's strengthening of our labor force participation has been an upside surprise that most people didn't see coming and is extremely welcome."—Fed Chair Jay Powell, FOMC Statement press conference, 03/20/2019
Deadly Innocent Misinterpretation #52: The Fed is trying to fight inflation by creating unemployment.
Fact: The Fed is not trying to fight inflation by creating unemployment.
The Fed targets (the Fed sets) the overnight interest rate between banks (known as the Federal Funds Rate)—and adjusts that rate as it sees fit in order to (as mandated by Congress) maintain price stability and achieve MAXIMUM employment. The Fed also makes 'predictions' (known as the Summary of Economic Projections) of what the Fed's committee guesses what the unemployment rate will be in the future. This 'dot plot' of projections is dangerously, innocently and fraudulently misunderstood by the entire MMT community as meaning that the Fed is 'targeting the unemployment rate' and 'intentionally creating unemployment'.
Anyone (from the new MMT student all the way to the veteran MMT academic) who says that 'the Fed is trying to fight inflation by creating unemployment' during The Longest Jobs Growth And The Longest Economic Expansion In UNITED STATES HISTORY—many thanks to the Fed—is being a tad fantastical.
Anyone saying 'the Fed is intentionally creating unemployment' has no idea how out of touch they are with how capitalism works nor has any idea how ridiculous they sound. It's understandable when 'entertainers' over the airwaves today (playing to a specific 'audience') create stories to fit an anti-Fed narrative (because the first rule of feeding a conspiracy theory is that you never let facts, math & data get in the way of a good story). However, it's another thing when political 'prescription' MMTers make things up. The Fed is mandated by Congress. Do ideologically-extreme MMT 'scholars' who think that the Fed is 'intentionally causing involuntary unemployment' think that Congress is in on this conspiracy too?
By the way, 'involuntary' means 'forced'. Think bread lines during the 1930s—people were forced to be unemployed because THERE WERE NO JOBS—and then think about today's 7,000,000 JOLTS. Meaning that there are more than 7 million jobs available! Meanwhile MMTers (with PhDs in Econ) think it would be a good idea to address those 7,000,000 open jobs currently going unfilled with a $500B federal 'job' guarantee (to 'create' more 'jobs'). If you think that's probably a bad idea then you will be reprimanded for being worried about 'how will we pay for it' and that you need to #learnmmt.
Another 'prescription' MMT proposal is to take away the Fed's power of adjusting the overnight interest rate (resulting in the Fed no longer having that tool at its disposal to immediately respond in the event of financial emergencies). Many voices of reason, including the central banker in Japan—the so-called 'poster child' of MMT—have let the world know what they think of that proposal (and of today's radicalized version of MMT).
"To be fair, both sides of the spectrum love to hate the 'mysterious' Fed and blame it for everything that is wrong—including sunspots. The better the Fed gets at the job assigned to it by Congress the more they are hated by each side. Although I would really like to see the Fed stop assigning a number to maximum employment as the NAIRU does not exist or at least changes its address so often as to be useless as a policy indicator. I think if one reads between the lines, Fed Chair Powell is there, but openly saying the NAIRU is dead by a Fed Chair would likely be very jarring to markets. I know the Chair of Economic Advisors Larry Kudlow has said the Phillips Curve which underlies the NAIRU is dead."—Charles 'Kondy' Kondak
Deadly Innocent Misinterpretation #53: Higher rates = higher interest payments to the economy.
Fact: Higher rates = higher interest payments to the bondholders (to the top 5% of the economy).
In a 03/06/19 discussion on Twitter, a comment by Monetary Wonk (@monetarywonk) that "MMTers want a permanent ZIRP [want to anchor the overnight fed funds rate to 0%] because they believe that Treasury [bond] rates are net neutral and don't influence [aggregate] demand," got this reply from Warren Mosler:
"No, the private sector credit is nominally 'net neutral' regarding non gov interest paid and earned, but the Treasury and fed—the gov sector—are net payers of interest to the economy. Higher rates = higher interest payments to the economy."
Meaning that whenever you or I deficit spend (whenever the non federal gov't creates money), that is an actual debt (for users of dollars), which is intended to be paid back ('net-out'); so Mr. Mosler is correctly pointing out that it isn't the case when the federal gov't deficit spends (whenever the issuer of dollars creates money), since the federal gov't is a 'net payer' because that money creation, is a net addition of dollar-denominated assets aka Net Financial Assets being added into the banking system, that is not intended to be paid back (to ever 'net-out').
That money creation by federal gov't deficit spending is a stimulus to the economy. The reason why Fed Chair Eccles coined federal gov't money creation 'High Powered Money' is because unlike federal gov't surplus spending that DOES NOT add NFAs (which has a deflationary bias); federal gov't deficit spending DOES add NFAs (which has an inflationary bias).
However, it is a bit of a stretch to also say that higher interest rates are a stimulus to the economy in the same way that more federal gov't deficit spending is since (as the logic goes) 'higher interest rates = higher interest payments to the economy'. According to this logic, the Fed is mistaken because it thinks that rate hikes are effective at slowing the economy—and therefore 'the fed has the pedals backwards'.
That logic would be correct if most Americans were bond holders (if most were savers and only a few were borrowers), but in reality the opposite is true (making that logic seem 'backwards').
When the Fed raises rates, only the top 5%—the savers—are receiving higher interest; while the 95%—the borrowers—are paying higher interest to service debt +/or to deficit spend any further.
That's why when the Fed sees too much inflation coming, they raise rates (a 'net neutral' dollar drain from borrowers to savers) as a disincentive to the 95%; and conversely, when the Fed sees too little inflation coming, they lower rates (a 'net neutral' dollar drain from savers to borrowers) as an incentive to the 95%.
"A change in money prices and money income does have 'real effects'. If you increase the cost of money, that is a cost for debtors and an income source for creditors. This is real. By making debtors worse off and making creditors better off, there will be changes in the distribution of income, there will be changes in demand and in output. Real magnitudes in the economy will change."—Steve Keen, 'Can We Avoid Another Financial Crisis?', 2017
Furthermore, when fiscal policy makers are not in agreement (like during a Republican 'sequester' or when Democrats are being 'obstructionists'), the Federal Reserve Bank and their monetary policy makers become, as Mohamed El Erian put it in his book, 'The Only Game In Town'. Meaning that monetary policy may not the best tool to stimulate the economy (and why so many are always critical of the Fed), but in absence of action from fiscal policy makers—when time is of the essence—the Fed becomes the Policymaker Of Last Resort.
With all due respect, anyone calling for taking those price-stabilizing abilities away from central bankers; or calling for a federal job guarantee program which takes employment decisions out of the hands of the private sector; or saying back in early 2016 that "it looks like the Fed began liftoff during a recession" may be the ones getting it backwards.
Deadly Innocent Misinterpretation #54: A monetarily sovereign gov't can issue all the bonds that it needs in its own local currency without the worry of default risk.
Fact: Even if issued by a monetary sovereign and denominated in their own local currency, there is still a default risk of bonds.
"It is a complete fallacy that a gov't with monetary sovereignty can issue all the bonds that it needs in local currency without worry of default risk. It is also untrue that because you are a monetarily sovereign gov't (that because you have the monopoly of issuing the currency) you can issue all the money that you want to finance deficit spending without risk of high inflation. The reason why a gov't, that is monetarily sovereign, issues bonds (adds debt) that is denominated in a foreign currency—rather than in its own local currency—is not because they don't understand MMT. It's because there's no longer any real demand for their own local currency. If an investor knows that a gov't will continuously depreciate the currency (if an investor knows that a gov't thinks it can create its own bonds without risk of default and create its own currency without risk of hyperinflation), then that investor will simply not want that local currency either. The reason why citizens nor investors don't want their own local currency—the reason why they reject it—is because they don't want to suffer the currency risk. There is evidence of more than 20 defaults of bonds denominated in local currency of gov't with monetary sovereignty since the 1960s. In addition, throughout history there are more than 150 cases of fiat currencies, that because of high inflation, have disappeared—and in none of those cases did that gov't decide to stop creating more currency (or issuing more bonds)."—Daniel Lacalle
Deadly Innocent Misinterpretation #55: US Treasury bond coupon rates are not determined by market forces, they are instead set by the Treasury.
Fact: All US Treasury bond coupon rates are determined by market forces at origination.
A post on the Intro to MMT page on Facebook by Jim Gaddis (author of the book 'Richard Gatlin and the Confederate Defense of Eastern North Carolina') posed the question whether or not federal gov't bond coupons were 'set' by the Treasury prior to auction or 'set' by market forces during the auction.
That was an excellent question.
The answer is both.
The Treasury used to set the coupon rate of all new bonds by an explicit pronouncement but that all got changed in the '51 Accord. Now the market sets the coupon rate. It's a 'dutch' auction for newly-issued Treasury securities. That's where the highest bidder—the lowest interest rate (the lowest yield) that the bidder is willing to receive—gets filled first, then the next highest and etc, etc, until all the bonds are sold. The coupon becomes the average of all the yields accepted, rounded down to the nearest eighths of a percentage point.
Anyone can go to the TreasuryDirect.gov website and after clicking the 'upcoming auctions' tab, they can see the 'announcement' (the details) of all marketable US Treasury bonds that are about to be sold to the public.
The coupon of any newly-issued Treasury bond is quote "to be determined" unquote during the auction (meaning whatever the market will bear).
There is an exception.
The coupon may however, be 'set', before the auction, but ONLY in the case that a Treasury bond is being 're-issued' (aka 're-opened').
If you look at the announcement details of a re-issued Treasury bond, the COUPON is already 'set' because the Treasury bond already exists and the YIELD (the final price that buyers will pay) for that additional batch is quote "to be determined' unquote based on prevailing market yields. For example, if at origination (at initial offering) a 10-year Treasury note gets a 3% coupon (determined by market forces) and then the following month it is re-opened; if prevailing rates have dropped to 2.5%, then buyers of that batch will pay a premium because of that 'set' 3% coupon. In other words, the price that the investors will pay (the effective yield of that batch) is going to be in the neighborhood of 2.5% (determined by market forces).
The reason why the Treasury offers more of the same bond for sale is because federal gov't deficits are rising, so they are increasing the frequency of bond sales. For example, the 10-year Treasury note usually is offered every 3 months. If deficits are rising quickly, the Treasury will re-issue that same 10-yr note the following month (technically as a 9-yr 11-month note auction).
If deficits keep rising, we may even see the Treasury bring back the issuance of the 4yr note or the 7yr note or maybe even the 20yr bond again (meaning less 're-openings' of existing bonds needed).
Deadly Innocent Misinterpretation #56: When a Non-bank (a 'non formal bank') lends EXISTING money to a borrower, it is NOT a credit creation. Only when a Bank (a 'formal or traditional bank') lends newly-created money is it a credit creation.
Fact: ALL borrowing is a credit creation (an expansion denominated in dollars).
"While Non-banks grant credit, it would be misleading to speak of 'credit creation' by Non-banks."—Richard Werner, German economist, 'International Review of Financial Analysis', Volume 36, Pages 71-77, December 2014 (Mr. Werner earned a BSc at the London School of Economics. Further studies at Oxford University were interrupted by a year studying at the University of Tokyo—Japan's most prestigious university—after which his doctorate in economics was conferred by Oxford. In Tokyo he was also a Visiting Researcher at the Institute for Monetary and Economic Studies at the Bank of Japan; plus he was a Visiting Scholar at the Institute for Monetary and Fiscal Studies at Japan's Ministry of Finance. Mr. Werner coined the term 'quantitative easing'. As chief economist of Jardine Fleming Securities Asia he used this expression during presentations to institutional clients in Tokyo in 1994).
He wrote that because when the Non-Bank (short for 'non-formal bank' like a shadow bank) is lending (which by UK law must always—only—lend with existing money), the Non-Bank gives up the same amount of their cash (-$100) in exchange for the same amount of the borrower's IOU (+$100).
Thus, as this logic goes, since there is no change in the Non-Bank lender's balance-sheet totals at the end of the day then that means there's no credit creation.
(Speaking of being 'misleading', what about the borrower's balance sheet that expanded—that went up from $0 to +$100)?
Perhaps, in Mr. Werner's view, when the opposite happens, when formal banks that are lending with newly-created money, that is a different (read: lower) 'hierarchy' of borrowing. He calls newly-created bank deposits 'fictitious' and 'imaginary'. That implies that he thinks only a loan using already-existing money is 'sound'. Which is an 'unsound' argument because it makes no difference whether any money that was lent out was either newly-created or already-existing—because it mostly has to do with the 'soundness' of the person the money was lent to.
"They [AMI & 'positive money' folks] are wrong because as Minsky argued—and my models demonstrate—crises can still occur even if all lending was entirely 'responsible', meaning it was for productive purposes."—Steve Keen, 'Can We Avoid Another Financial Crisis?', 2017
As per Mr. Werner, it is only when lending is done using newly-created money is it a 'credit creation'. Apparently, if just lending with already-existing money, that's totally different, that's not extending credit, that's not credit-creation, that's 'fronting' someone money (or something like that).
Which completely ignores the fact that when someone gives you cash out of their pocket for you to borrow, not only do you the borrower receive an asset, so does the lender—and THAT'S the expansion, that's the creation (of credit). The lender receives a NEWLY-CREATED IOU that goes in the lender's pocket. Even if there is no actual IOU written out and handed over—if it is just 'fictitious' and 'imaginary'—rest assured, that IOU is a real and potent thing because it's a damsel named Faith (hooking up with a stud called Creditworthiness).
The only difference is that, unlike a credit creation using already-existing money, a credit creation using newly-created dollars involves a middleman (an underwriter). Whether funded by newly-created money or not, it is that promise to pay back the money with interest, it's that newly-created IOU, that 'bond'—that you conjured up out of thin air—that makes ALL borrowing a credit creation. The added account receivable, that asset, that credit creation, is always happening with any bond issuance, with any borrowing—with any extension of credit. When you pay the money back (when you put the bond in the 'shredder'), that is the destruction. Those bonds being newly-created and newly-destroyed expand and contract the balance sheets. This leveraging v. deleveraging is the 'beating heart' and understanding that allows you to feel the 'pulse' of the economy.
Since the days of credit creation using tally sticks in medieval England, the lender's faith in the borrower's ability to pay back the money is a pillar of the economy. That's why even to this day, a fiat dollar bill which is not backed by gold is still very valuable and why we say it's backed by the full faith and credit—because it's backed by the full faith and credit of the person who printed that piece of paper.
When it comes to borrowing in the private sector, it is WE who 'print' that bond, not the Bank and not the Non-Bank—they are only facilitating YOUR 'printing' of credit (represented by your newly-created bond). For example, VISA doesn't contact you to let you know when they're ready for you to go out to eat and pay on credit; and VISA doesn't tell you whether to make the minimum monthly-balance payment, or tell you to pay the balance in full and destroy the credit creation—it's the other way around. Anyone saying that credit creation is 'only in the case of when borrowing newly-created money' is missing the bigger picture. When someone lends, it is a granting of purchasing power—no matter if it involves any actual banks or any actual newly-created money or not. Whether banks are involved, or whether newly-created money is created or isn't created, that is only a subset of the credit-creation process. As Dr. Steve Keen correctly wrote in his 2017 book, "credit is equivalent to the growth in private debt". Meaning that EVERY time someone borrows, they are increasing private-sector debt (they are ALWAYS expanding private-sector balance sheets).
"Is Minsky (1986) right and 'everyone can issue money'"?—Richard Werner
That's close. Everyone can issue (can extend) credit. In other words, everyone can grant purchasing power and all borrowing by everyone is a credit creation (an expansion denominated in dollars). To believe otherwise is fictitious and imaginary.
Thanks for reading,
Pure MMT for the 100% https://www.facebook.com/PureMMT/
If you want to know how money works, it helps to know how money trades…Follow MineThis1 and his REAL MACRO instructors at https://www.facebook.com/InvestingMMT/
CONTINUED: 77 Deadly Innocent Misinterpretations (77 DIMs #57-63) http://thenationaldebit.com/wordpress/2019/04/18/77dif-misinterpretation-58/


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subset: commoncrawl


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Author: Helen Silverwood ⓒ 2008-19
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Truckers transporting cargo from the Bridgetown Port are fuming over a $500 "repositioning fee" to be implemented on July 1, arguing that it could drive them out of business.
And they're warning that if officials go through with implementation, the price to importers, and ultimately the cost of goods, will increase significantly.
Notice of the new fee for removal of cleared cargo at shed four of the Bridgetown Port was given in a circular, dated June 12, 2017 and signed by Manager of Terminal Operations Ian Stewart, to consolidators, truckers and customers.
According to the correspondence, all cargo examined by Customs and cleared for delivery must be removed from the holding area within two hours of examination.
"Failure to remove cargo by the stipulated time will result in a repositioning fee of $500 per shipment," it stated. "Please note that the gate pass to exit the Port will not be printed until proof of the payment of the repositioning fee has been presented."
Management of the Bridgetown Port said the move was in an effort to enhance customer service by improving efficiency and reducing the wait time for delivery of cargo.
However, Hamilton Cumberbatch, a trucker of close to 20 years, described the move as counterproductive, saying that some days it was impossible to remove all cleared cargo at shed four since many of the delays were caused by the Port itself.
Lamenting that business was already down for truckers, he said "it is a cost that truckers cannot absorb. So some sort of agreement will have to be reached".
"I can't possibly see people getting out every shipment that has to be cleared within two hours," he told Barbados TODAY.
"Sometimes you got to wait long at the shed . . . . So a part of the process in the Port is time consuming, so I don't see how we can do it all the time in two hours."
Cumberbatch also explained that depending on the size of a shipment, it would take more than one trip to deliver cargo, with one trip taking up to an hour and a half depending on where in the island the goods were being delivered.
Managing director of Clarke and Associates Construction Inc., Wayne Clarke also pointed to the long wait for truckers doing business at the Port, saying that some days they were already subjected to a wait of three to four hours "just to get through the container gate, due to delays in stacking and unshackling containers".
He added that part of the reason for the long wait sometimes was the Port having only one scanning machine for all containers.
Clarke told Barbados TODAY he was convinced the new measure had nothing to do with customer efficiency, and was simply the Bridgetown Port finding "another way to raise additional fees".
"Additional fines borne by the truckers will be passed to the customers and then on to the consumer," he cautioned.
Cumberbatch, lamenting that business has dwindled significantly over the years, with the traditionally high season not reaping their usual increased business, added: "They are just putting measures in place to try and kill the small man."
"Things like this an individual voice really don't make any difference; we need a body, a union or an association of sorts to speak as one," he contended.
The veteran trucker said while he had a few suggestions to improve the situation at the Port and avoid the high fee, he was reserving them for the Port officials should they want to discuss the matter.


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An important part of the first-year experience at McDaniel is the First Year Seminar (FYS) course. As part of the First Year Program at McDaniel, all first-year students take one First Year Seminar (FYS) course (4-credit course) during their first semester at McDaniel College. First Year Seminars are innovative topical and thematic courses on a range of subjects suitable for first-year students that provide an introduction to the liberal arts and an academic transition to college. They seek to excite students intellectually and engage them as scholars. In addition to offering a rigorous academic content, First Year Seminars focus on fundamental skills that are necessary for academic success: critical thinking, effective writing, analytic reading, and oral communication.
All First Year Seminars are designed to ease student transition from high school to college and to encourage their full participation in the McDaniel College community.
At this point, you will need to consider the FYS courses. A reminder that the FYS is a 4-credit course that will be a part of your full course load for the Fall semester.
Please keep in mind that you do not have to choose an FYS in your field of intended study. The FYS courses are meant to give you exposure to different fields and disciplines. This is what the college experience is all about!
Once enrolled in an FYS course, you cannot drop or change the enrollment so please choose carefully.
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Cassiopea andromeda
Cassiopea is a genus of scyphozoan jellyfish very commonly found in shallow mangrove swamps, mudflats, and turtle grass flats in Florida and various other similar environments around the world, where it lives usually upside-down on the bottom.
Jellyfish are not regarded as fish, they are classified as the Cnidaria phylum. They have several different basic morphologies that represent several different cnidarian classes including the Scyphozoa (about 200 species), Staurozoa (about 50 species), Cubozoa (about 20 species), and Hydrozoa (about 1000-1500 species that make jellyfish and many more that do not). The jellyfish in these groups are also called, respectively, scyphomedusae, stauromedusae, cubomedusae, and hydromedusae; "medusa" (plural "medusae") is another word for jellyfish. Jellyfish are found in every ocean, from the surface to the deep sea. Some hydrozoan jellyfish, or hydromedusae, are also found in fresh water. Most of the information about jellyfish that follows in this article is about scyphozoan jellyfish, or scyphomedusae. These are the big, often colorful, jellyfish that are common in coastal zones worldwide.


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LANSING, Mich. – Feb. 3, 2016 – With the signing of Executive Order 2016-02 on Jan. 12, 2016, Gov. Rick Snyder called the Michigan National Guard to state active duty in Genesee County to help residents deal with a water-supply crisis triggered by lead contamination in Flint's supply pipes.
Michigan Guard members operated in support of Michigan State Police efforts to inform Flint residents that filters, bottled water, information on lead, water testing kits and other resources were available.
Soldiers assisted with the direct provision of these resources to Flint residents including door-to-door delivery. Coordination and staffing of these assignments was left to the commanding general of the Michigan National Guard, Maj. Gen. Gregory Vadnais.
"One of the core functions of the Michigan Guard is providing assistance to the governor in times of crisis, and as expected, the Soldiers and Airmen of the Michigan National Guard stepped up; always ready and willing to assist," said Vadnais, who also directs the Michigan Department of Military and Veterans Affairs.
The first Guard members to report for duty were responsible for the distribution of water and other materials at five Flint fire stations while a Guard command group conducted a needs assessment and staffing plan.
Fifteen groups of approximately 12 Guard members each were strategically assigned a section of Flint to conduct door-to-door delivery operations. More than 270 Michigan National Guard members contributed to the roughly 10-day mission. A small contingent of Guard members will remain in state active duty status until Vadnais deems the mission complete.
As of Wednesday, about 70 Guard members were still on the duty roster, according to the National Guard Bureau.


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Working in higher education always brings back many memories of my university days, and this is definitely a favourite time of the year for me, as the campuses are alive with the sound of students. Of course we now have the new cohort, and so I wanted to reflect on the experiences they are going through right now.
Making the transition from school/college to university life is one of the most dramatic and daunting experiences anyone can go through. Feeling like a fish out of water, and homesickness are inevitable. But for many it's more than the initial case of missing parents and family; other factors come into play and this new chapter becomes characterised by fear, anxiety and depression with serious consequences on mental and physical health.
I'm no stranger to this, but one of the causes of extreme stress amongst students, is the deep rooted mindset when it comes to success and failure, well highlighted in a Guardian article 'How to help a perfectionist student.' It was quite an alarming read, especially the reflections of one student who admitted that, "Errors mean failure, and failure means disappointment." This is not an isolated view, for some it's been drummed into them from families and culture. You cannot be seen to be making a mistake or not 'performing at the top.' And the pressure to live up to such expectations has damaging and long term effects. With 1 in 10 students having a 'diagnosable mental illness', universities are facing increased demand for mental health services, adding strain on existing resources.
As a nation we've taken a huge step forward when it comes to raising awareness of and addressing mental health issues. It's not perfect, but we can see more people willing to speak up about it, even in cultures and communities where it has been considered a taboo subject, and something to be ashamed of. Awareness-raising campaigns, such as this week's annual World Mental Health Day, and the work of many specialist charities and organisations, have definitely put this matter high on the agenda. University careers services often work in close partnership with disability and mental health support teams, and this is an area I am going to be focusing on this year.
But we really must continue to challenge some of the underlying causes, especially when it comes to what success and failure really mean. It's no point just addressing these issues at university level, more needs to be done with young people. And quite rightly, this week, there are calls by Sir Anthony Seldon, the vice-chancellor of the University of Buckingham and mental health campaigner, for the well-being of children to be taken more seriously by schools. However, as much as schools may do, it's not an easy battle when you are dealing with family pressures and cultural norms. I'm an advocate of greater dialogue between families, communities, schools, educational institutes and professionals to discuss some of these issues and through, for example, the use of mentors, role models and influential people to show that success comes in all shapes and forms, and failure is not a weakness.
Challenging and changing unhealthy mindsets and habits can be tough, but not impossible. For those starting the university journey, here are three particular thoughts that I wanted to share:
- Potential can be developed – there is the expectation that graduates need to "have it all" when they are hired, but the reality is different. Yes, certain skills and attributes are needed for the world of work, but many firms don't expect graduates to be the finished product, and hence will work with them to develop their potential and skills such as commercial awareness. 'Growth mindset' appears to be the new buzz word used by giants such as Microsoft and Google in their recruitment. Microsoft CEO Satya Nadella, sums this up with this fantastic quote,
"It starts with a belief that everyone can grow and develop; that potential is nurtured, not predetermined; and that anyone can change their mindset. Leadership is about bringing out the best in people, where everyone is bringing their A game and finding deep meaning in their work. We need to be always learning and insatiably curious. We need to be willing to lean in to uncertainty, take risks and move quickly when we make mistakes, recognizing failure happens along the way to mastery. And we need to be open to the ideas of others, where the success of others does not diminish our own."
- Rejection can redirect you – I came across this inspirational video by motivational philosopher Jay Shetty, where he tells the story of some influential individuals who faced their share of setbacks on their journey to success. The key lesson was no matter how much we struggle and the difficulties we face, we will always keep our value. Through failure, we can often achieve far greater things than imagined. When one door closes, you can be sure another one is waiting to open!
- Look at the positives and bigger picture – last month I attended the annual AGCAS conference for HE careers professionals, and it was a really thought provoking event. The highlight for me was the keynote speech by motivational presenter and coach, Steve Head. One tip that really stood out for me was reviewing how we perceive situations and experiences. So instead of focusing on the one thing that's gone wrong or hasn't worked out (in this case he gave an example of a mathematical quiz), look at the positives and what is actually right! It seems obvious, but a great strategy to try and incorporate into our daily personal and professional lives.
These tips are some food for thought, but not a replacement for professional help. If you're really struggling to cope, please don't suffer in silence. There are people and services out there to help you. Visit your University student support team or there are a number of dedicated organisations such as Mind and Mental Health Foundation who can provide support.


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How much will your home rent for?
$1097 a Month
2 Bed, 2 Bath | 1260 Sq. Ft.
Very Nice 2 bedroom, 2 bath condo unit on the top floor at Polynesian Village in Plantation. Nicely painted with tile floors in main living areas and carpeted bedrooms. Master suite features great walk-in closet and private bathroom.
Corner unit with view of pool area from balcony and master bedroom. Laundry facility on same floor as unit, lushly landscaped, tropical look and feel. Call Jessica today at 954.372.7501, ext 701 to schedule a time to see this condo. Better yet, reserve this unit by completing our on-line application:


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Each of the 18 articles is reprinted in this book, followed by commentary to present the biblical background and a pastoral application to discuss implementation of the article in the life of the church.
*The Confession of Faith is currently unavailable for order. We will be placing them back in stock after Gathering 2018 (July 11-14, 2018), where changes to the Confession of Faith are being voted on (notice of motion here). In the meantime the current Confession of Faith is available from the Centre for Mennonite Brethren Studies.*


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Like what you see?
Thanks for stopping by! Don't forget to follow me along as I stumble through traveling and baking adventures. Sign up to receive The Traveling Cupcake via email or RSS feed - the links are on the right! Also, make sure to check out the mini traveling cupcake for all of my baby updates. Hope to see you again soon!
Wednesday, June 01, 2011
After checking out of Poggio Piglia we had nearly a full day left in Italy before our flight back to London. We decided to head back towards Rome and spend the afternoon in Orvieto at the recommendation of the villa. Orvieto is a larger town located on the top of a large butte in Umbria. The setting is quite dramatic, you can see the town from miles away perched on top of cliffs seemingly about the topple over the edge. Aside from the stunning location Orvieto is also widely known for its Cathedral.
The Cathedral was stunning - it always amazes me how these massive churches can be so ornate and decorative and at the same time plain and humble. Its an oxymoron I'm still trying to understand after the dozens and dozens of churches that I have seen. We spent the rest of the afternoon wandering around the small back streets of the town...
And eating gelato...it wasn't even that good but it was still SO GOOD...if that makes sense...
One more side note/wicked cool thing I had to share (and I'm sure I'm about three and a quarter years behind the times on this thing). I recently downloaded the app "Photosynth" for my iphone which allows you to take panoramic photos and it stitches them together for you. Best.Thing.Ever. And its totally free. Super extra bonus.
I present to you a, slightly wonky, panoramic shot of Orvieto (with two suns...we gotta work on that stitching thing...)
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The January 2011 giveaway at Liturgical Time will be a headcovering from the Liturgical Time Veil Shop.
To enter, please visit the giveaway on Liturgical Time.
The winner will be randomly selected, and will be announced on the feast of the Conversion of St. Paul the Apostle, January 25, 2011.
Good Luck!


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Registered: Oct 2000
Posts: 15481
I'm getting a digital camera for my birthday and I'm gonnna take a few pix of our dogs. Pair of spaniels.
Anywho whilst hunting for reviews and good prices I came across one site which did a picture of the day section and displayed the picture below as todays pic. I think its cool Anyone else wanna post their animal?
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Registered: Nov 2000
Location: UK
Posts: 5237
Beed being his royal self:
Registered: Aug 2000
Location: NYC
Posts: 3598
Your cats are beautiful, dacarlo and macker.
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Registered: Aug 2000
Location: Myrtle Beach, SC
Posts: 18000
I don't have any recent ones. These are from when I got my kittens last summer. They're both a LOT bigger now.
Registered: Sep 2000
Location: Playa d'en London
Posts: 9922
shyloh, that isnt Dac's cat.
rosh, you should really feed your rats.
UJ, what do you mean? I don't have any rats...
And the kittens, as I said, are a lot larger now. In those pics we'd only had them a few days, and we'd found them wild in our back yard, so it's only normal that they'd still be a little scrawny.
it was a jest. cats are cool.
Registered: Aug 2001
Location: Seattle, WA
Posts: 3225
i miss my fritz
and this is the best kitty picture ever. found it on some website
Registered: Jan 2002
Location: elsewhere
Posts: 5912
actually, this is the best kitty picture ever:
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quote:Originally posted by Kayla
i miss my fritz
Why? Where did the catten go?
quote:Originally posted by Kayla
i miss my fritz
He got out by accident one day. took us a good 4 hours to find him. Finally we did. But he had taste of the outside. everytime the door would be open he'd rush for it. he got out like 10 times. he always came back. then few months ago he ran out and didn't come back. dad says he's seen him, and hes ok, but he wont take himback in. *shrug*
we may be getting a new cat, but he'll never be my fritz.
Registered: Aug 2000
Location: Long Beach, CA
Posts: 866
This is my feline monitor decoration named rascal
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this is meadow - not very happy that i woke her for the picture
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Registered: Jan 2001
Location: Denver
Posts: 23169
This is In, of In and Out, a pair of cockatiels, and the only one of three birds friendly enough to get her picture taken.
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Registered: Dec 2000
Location: Toronto, Canada
Posts: 501
My Lolita.
Registered: Oct 2001
Posts: 20760
quote:Originally posted by Smug Git
The brotherhood of melon loving will save us all, I am sure of it.
yeah mug. we know you like to show off your cock.
Registered: Apr 2001
Location: behind the irony curtain
Posts: 19151
aside from Mugtoe's cow...the rest are meat for the beast!
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Registered: Jun 2001
Posts: 2457
oh boy ... thats a sassy image
Registered: Nov 2000
Posts: 5220
Anyone know how to adjust shutter speed on a Fuji digital camera?
I tried taking pix of my Piranha but the little bastards move too fast.
Registered: Aug 2000
Location: All East Coast : USA
Posts: 2457
my sis' cats
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Registered: Jan 2001
Location: Van Diemen's Land.
Posts: 3607
quote:Originally posted by Mugtoe
*snip of bull*
that is such a cool photo.
quote:Originally posted by Mugtoe
*snip of bull*
Registered: Jun 2002
Location: Toronto, ON
Posts: 47
my dog, who loves the snow
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Tinker House
Acquired in 2016, the building was originally built in 1913 as the headquarters for the US Bank Furniture Company. Today, it houses a mix of businesses who have brought this long vacant property back to life.
Irvington Lofts
Completed in 2013, this award winning, 50 unit, $9,200,000 affordable tax credit apartment project transformed the site of a crime plagued, abandoned motel within Indianapolis' largest historic neighborhood.
Franciscan Health
Redeveloped in 2014, this $1,590,000 build to suit medical office building replaced an aging doctor's office and expanded the practice to over 6,000 square feet.
874 Virginia Avenue
874 Virginia Avenue is located in the Fountain Square neighborhood in Indianapolis, IN. 874 Virginia Avenue contains street level commercial space and 3 rental apartments on the second level and carriage house.
49th and Penn
In 2008, Antone Najem led the off market acquisition and was instrumental in the redevelopment of the former Hamaker Pharmacy building located in the Meridian Kessler neighborhood. Today it houses the original, expanded Cafe Patachou as well as other restaurants and businesses that serve the area.
Binford Business Center
Acquired in 2014, the 36,188 square foot Binford Business Center underwent a renovation and leasing program that took the property to 100% occupancy within 10 months.


text: 'The Lake' is fully stocked with fish, fun Tue, 06/21/2016 - 2:11pm mfodness Last week's 90-degree days pushed many people to find cooler ways to enjoy the outdoors such as going to "The Lake" in southwest Luverne. Last year The Lake was designated as a kids' fishing pond through the Minnesota Department of Natural Resources. Section: News Tags: The Lakeactivitiesstockedfishkids fishing pond


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Emmitsburg, Md. (October 19, 2018) – The Mount St. Mary's men's soccer team played to a 1-1 draw with Bryant on Friday night in Northeast Conference action at Waldron Family Stadium. Boris Nana Tonzi scored his team-leading fourth goal of the season for the Mount in the match.
Bryant (2-7-3, 2-1-2 NEC) struck for the game's first goal in the 10th minute of play. Antonio Terceros passed it to James Chochrane deep in the corner, and Cochrane sent a cross into a dangerous area in the box. Ben Williams connected on a header from the top of the six-yard box for his third goal of the season to give the Bulldogs an early 1-0 advantage.
The Mount (2-8-4, 1-3-2 NEC) was able to even things up in the 24th minute of play on Nana Tonzi's goal. Gavin Shirley worked his way around multiple Bryant defenders and sent a short thru ball to Nana Tonzi, who went in one-on-one with goalkeeper Olivier Larente. Nana Tonzi deposited it into the lower right corner to knot the score up at 1-1.
With the game still tied late in the second half, Joel Tshiani made a bid for the go-ahead goal with just under 13 minutes showing on the clock. Andrew Robbins lofted a cross into the middle of the box, and Tshiani rose above the Bryant defenders to get his head on it, but his attempt went just wide of the right post as the game remained locked at 1-1.
Neither team was able to grab the go-ahead tally for the remainder of regulation, as the match headed into overtime.
Bryant outshot the Mount by a 5-0 margin in the pair of extra periods, but Mount goalie Bobby Edwards turned away both on target attempts, and the game ended in a 1-1 draw. Edwards finished with five saves in the contest for the Mountaineers.
Mount St. Mary's hosts its final home game of the 2018 regular season next Friday (Oct. 26) against Robert Morris at 7 p.m.


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Richmond Park School
Ysgol Parc Waundew
Our 'Computer Consultants' (ICT experts from Years 5 & 6) visited the BETT Show in London this year as a treat for all their hard work in developing their own and their peers' ICT skills this year. They had an action packed day and had the opportunity to experience some of the latest innovations in ICT first hand during the day. We can't wait to keep building on our skills and sharing our good practice with the rest of the school.


text: Just got invited into the Randy Higbee Gallery Art Show this coming April 16th and runs through May 6th. It takes place in Orange County California. The theme is on all paintings to be 6X6 inches. So without further ado I present the selected three: "VEGAS"/ "FOREST LIFE" & "#887"


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Designing Your First Product Package
When you design your first product package, you may find it overwhelming to move outside your comfort zone and think of concepts such as design. However, by considering your ultimate goals, you will be able to create a package that helps you fulfill your marketing goals. How Will You Differentiate Yourself? When you begin designing the packaging for your product, you will want to consider how your product is different from those of your competitor. [Read More]
Thinking Of Expansion For Your Business? Consider An Optimised IT Infrastructure
Small businesses today have a huge technological advantage over those of just a couple of decades ago. Giving your small business the room it needs to grow is an essential aspect of being a successful business owner. Learn more about how interoffice networking and an advanced IT infrastructure can lay the foundation for an organization that works in synchronization and is always on the same page. Avoiding The Failure Of Communication [Read More]


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Other Stuff
We all are very excited that Jay Inslee is running for Washington Governor, and we built this web page to advocate for him. Unlike many of his opponents, he in fact grew up in a family that was working class. Jay is best able to build a "working Washington" and strengthen Washington Employment. Please take a look at Inslee's plan to increase jobs in our state of Washington.
DailyKos is one of my favorite national blogs, and a pro-union, local blogger Seattle "YellerDog" started a DK group for Inslee. It is called Jay Inslee WA Governor 2012 Keep WA Blue
Also, Spokane Watch is a local blog to keep an eye on politics and important issues in the City of Spokane from an independent perspective. We cover local City Council and Mayoral Races in Spokane, and also races for governor such as Jay Inslee's or legislative races when there is a Spokane angle. Local issues such as the Spokane River, our parks, public safety, the environment, poverty, and the courts are also an interest to us.
Likewise, here is a blog to keep watch on the Partisan Republican Congressperson Jaime Herrera who won a seat in Congress. I know they would appreciate you taking a look. Cathy McMorris-Rodgers has been putting her staff in positions of power. Jaime Herrera being elected to the U.S. House of Representatives is one example.
Eastern Washington Voters has been keeping an eye on David Condon as well. He was a McMorris staffer just like Jaime Herrera, and then out of nowhere he ran for the Mayor of Spokane and was elected. David Condon promised to be non-partisan, but considering his very conservative political activity in the past we are concern.
Another good watchdog site is Rob Mckenna is not who he says he is. The site debunks some of McKenna's claims, including that he is a supporter of working class families. McKenna's has consistently attacked labor unions and minimum wage. ffordable Care Act. McKenna also filed a lawsuit against the Affordable Care Act, which would return us to the times when insurance companies could use pre-existing conditions as an excuse to deny coverage. It would deny many Washington families access to affordable, quality health care.
Eastern Washington Voters is an independent political membership organization. We are not affiliated with any political party. However, we do lean Democratic because we believe them to be the strongest supporters of the working class, the environment, and of peace and justice. We are a people powered grassroots organizations in a conservative part of the state of Washington. Here are a EWV sponsored blog that is part of the DailyKos Community and another one.
Amidst a conservative rural region, there are pockets of Democrat and Progressive votes. Spokane consistently elects 3 or 4 Democrats to the State Legislature, and has often had a progressive majority on its City Council. We had a Democratic mayor, Mary Verner, until she was defeated by David Condon, the ex-McMorris aid. The only two rural counties in Eastern Wa. that have Democratic County Commissioners and Whitman County and Pend Oreille County. Pat O'Neil is the Whitman County Commissioner, and Diane Weir is the Pend Oreille County Commissioner.
We also want to tell you about Democracy for America. They are people powered political action committee with over one million members across the United States. Democracy for America is working from the bottom-up to change the Democratic Party and our country. They provide training for young and experience electoral activists, organizing tools, and exposure in the media. There goal is to support progressive topics and people running for office up and down the ballot.
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I don't know about you guys but if I'm heading out for the night I like my foundations and concealers to give me maximum coverage. In the day I usually opt for a full coverage 'invisible/HD' foundation such as Makeup Forever's HD or Giorgio Armani's Luminous Silk.
A night on the town means only one thing for me though, full on glam! Go hard or go home, right?! Now while my Holy Grail invisible foundations will look nice enough, I do prefer the heavier look that M.A.C.'s Studio Sculpt gives me.
A creamy, luxurious, gel-based foundation that provides medium buildable to high coverage with a natural satin finish. Hydrating, instantly revitalizes the skin while keeping it looking smooth, soft and plush. Long-wearing, water-resistant.
In my book this is a pretty accurate description of this lovely foundation. It does have a pretty thick/gel like consistency that doesn't really need much building to achieve a really high coverage. It evens out skin tone perfectly and gives the most amazing base for contouring. I go for NW 20 for my Studio fix and also my Pro Longwear Concealer.
MAC Pro Longwear concealer is one of those great products that gives a full coverage that stays put all night. Not only this but it can also be used as an eyeshadow primer, bonus!
A lightweight fluid concealer that provides medium to full coverage with a comfortable, natural matte finish. Colour-true formula lasts up to 15 hours. Helps conceal and correct the look of under-eye circles, and discolorations.
I do love this concealer and love to pop it on as a base for the heavy contouring I opt for on a night out. I find that if I apply my foundation, concealer and then contour over it all with my NYX HD Photogenic concealer I have little to no dark circles. Not only that but this combination seems to hold up amazingly well, especially if I set it with a great powder like Hourglass Ambient Lighting Powder in Ethereal Light.
What about you guys, have you tried MAC's studio fix or Pro Longwear Conealer? Do you think there are any better offerings from MAC? Also if anyone has tried the Mineralise products please drop me a line because they are definitely on my list!
Sonya D x


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The Oklahoma Weekly (Norman, Okla.), Vol. 6, No. 10, Ed. 1 Thursday, January 5, 1922
Description: Weekly student newspaper from the University of Oklahoma in Norman, Oklahoma that includes local and campus news along with advertising. Published every Thursday from October to June and "sent free upon application to seniors in the state of Oklahoma."
Date: January 5, 1922
Creator: Burton, Mary
Item Type: Refine your search to only Newspaper
Partner: Oklahoma Historical Society


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Encounters elsewhere belgium have already sewn up group annual new
Utah Jazz 10 PM ?Weaknesses.Brown was set to participate int eh Senior Bowl, but injury kept him off the field.He didn't get much of a to play during his two years with the Hurricanes, getting 23 contests and making just 17 tackles.Some 60 rubber ducks will drop off the Wabash Bridge into the Chicago River on Aug.
This be Manchester United's fifth visit to the U.S.The WNBA said the Las Vegas Aces have forfeited http://www.officialhockeyusaonline.com/authentic+usa+26+paul+stastny+jersey a game scheduled to be played on Aug.Though the top-seeded Patriots are heavy favorites the matchup, 's status as the unquestioned top option out of the backfield makes him a solid DFS building block against a New England rush defense that ceded 4 yards Wes Hopkins Jersey per during the regular , the second-worst the NFL.
rushed for a career-high 156 yards and a touchdown on 23 carries and caught both of his targets for 35 yards Saturday's 22, wild-card round win over Kansas City.He didn't get much of a to play during his two years with the Hurricanes, getting 23 contests and making just 17 tackles.Davy Propper, a surprise inclusion place of playmaker Sneijder, scored his first international goal after seven minutes a bright start for the hosts, who had not won their previous seven matches at the Amsterdam Arena.Hungary: Gulacsi , Fiola , Otigba , Lovrencsics , Hangya , Pinter , Kleinheisler , Dzsudzsak , Varga , Guzmics , Szalai .
mind, we've got a big running back.July 23 Real Madrid Levi's Stadium, , Calif.I didn't feel like a workhorse back.ManU 2017 Unmissable Tour Schedule ?
It didn't take for to make impact at Kansas State and became the Wildcats' most consistent force on the defensive side of the ball during his tenure Manhattan.The scheduled five-game Unmissable Tour 2017, presented by Aon, includes matches against Real Madrid, Barcelona and Manchester City, as well as two MLS clubs, the Los Galaxy and Real Salt Like City.carried 28 times for 51 yards and parlayed his only catch into a 66-yard TD the Week 17 win over the Jaguars, but the 6-foot-3-pound running back was not satisfied with his effort the contest.While 's contributions to the team were limited , became the impact player for which the Wildcats hoped.Uses his hands to keep pulling guards at bay, but can also dip under their shoulder to avoid their reach.9 as part of The 13th Annual Chicago Ducky Derby to benefit Special Olympics Illinois.
soccer fans and consumers: jersey-front sponsor Chevrolet, adidas, 20th Century Fox, , EA Sports, , New Era, Tag Heuer, Columbia , Epson, Foods, Toshiba and Uber.July 23 Real Madrid Levi's Stadium, , Calif.since 2011.
Scotland then travel to Budapest on 27 to take on Hungary, who are currently ranked 54th the world.since 2011.The Tartan Army then play Mexico Mexico City on 2 the first-ever meeting between the two nations.He projects as either inside linebacker or weak-side prospect the NFL.
Maturity questions were raised after transfer from Miami.03 2018 by RotoWire Staff | RotoWire Titans' : Gets new backfield partner.Scotland took some time to settle into a rhythm on a bumpy surface at the Groupama Arena and Allan made a good stop from a Balazs Dzsudzsak free-kick 20 minutes .
Moves towards the play side even if formation is used as misdirection.3 against the Washington Mystics DC as the Aces failed to appear.Scotland remained on top but had a warning on the hour mark when Roland Varga was allowed to work his way inside and loop a long-range strike which tipped Authentic Paul Stastny Jersey over.Portland Trail Blazers vs.
12 2017 by RotoWire Staff | RotoWire Titans' : Opportunity knocks Week http://www.philadelphiaeagles.us.com/WOMENS-WES-HOPKINS-JERSEY.html 17.Milwaukee Bucks vs.Everybody is excited for the tour and it gives us the opportunity to play front of some of the millions of Manchester United supporters which we have across the USA, said Woodward.If is unable to make significant progress over the next few days, could find himself helming the Tennessee Titans' backfield once again AFC road wild-card showdown next Saturday afternoon against the Chiefs.
Tonight there was a wee bit of familiarity and there were outstanding performances from young players that we believe have got a great future.


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Nice To See You All
It's the spring semester and we'd like to say "Hi" to everyone whether it's for the first time or to old friends.
We're glad to see you!
We did some moving around over the break. Keep checking our blog for updates as to what's new around here.


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Complete Professionalism
Dear Mr. Broad,
I am a resident of Traverse Hills Condominiums and have watched with great interest the work your company has done on Silver Lake Road. We were fascinated by the speed with which you put down a new road as well as the quality of workmanship applied in building the new surface. But we were astounded when we drove to Interlochen Sunday last and saw that Silver Lake had been resurfaced all the way to M-31 in Grawn.
We know that this must have come about as a result of careful planning and execution. The personnel that guided us through the few detours during the resurfacing did so with professional and considerate manners appearing to keep safety in mind at all times.
It also didn't escape our notice that a left turn lane has been added at Traverse Hills and we certainly appreciate that. Over the years I've tried to make a left turn in our complex only to have someone blow by me on the right as they try to navigate through the dirt and weeds.
So thank you very much for a excellent job well done.
James D. Haldaman


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The Ocean Pines Board of Directors has announced that it will hold a town hall meeting on Thursday, April 19 at 7 p.m. in the Assateague Room at the Community Center, located at 235 Ocean Parkway in Ocean Pines.
Matt Ortt Companies, the newly hired restaurant development and management company, will present the public with an overview of current and future operations at the yacht and beach clubs. In addition, Lerch, Early & Brewer will report on collections.
The Membership is encouraged to come with questions, concerns and ideas. Questions may be submitted in advance via email to email@example.com.
Those unable to attend the meeting may view it live at www.OceanPines.org or on Mediacom channel 78. It also will be posted on the Ocean Pines website and will air on channel 78 afterward.


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Professional Photographers of Canada National Exhibition
We're delighted to hear that the below photograph was selected for inclusion in the Architecture Category of The Professional Photographers of Canada 2016 National Image Exhibition (Salon) held in Calgary over April 16-19th The criteria for entry into this category states 'An architectural photograph must successfully define and/or portray outstanding architectural features of a building interior or […]Read More»
The North comes South
Sometimes things just happen right. We were on the west coast of Vancouver Island in a town called Tofino for a weekend with friends. Tofino is renowned for a couple of things; it's beauty, the weather and it's waves. Surfers flock there year round, people roll in during summer to enjoy the beaches and explore […]Read More»
PPOC Image Competition
The below photograph was recently accepted and exhibited in the Professional Photographers of Canada BC Salon at the Roundhouse Vancouver alongside photographs from 20 other categories. To download a press release about the salon click here Created at the newly finished Ronald McDonald House adjacent to the BC Women's and Children's Hospital, it was designed by Michael Green Architecture […]Read More»
Riding with Eddy
What better way to have a day out. Riding in the Italian countryside with Mr Merckz To see more Venice Bienalle Photographs go hereRead More»
We Are Hard at Work…
I've been working closely with Measured Architecture to Record and Represent the process of construction of a new house. The construction of a dwelling involves many people…from the initial vision of the Architect to the details brought to the table during collaboration with various sub-consultants and then sub-trades. Design doesn't stop with the drawings being […]Read More»
Hey There from the Air
Early March I had the opportunity to shoot a great little house for my talented mates of Architecture Architecture. They refer to it as the 'Hey There House' If you'd like to read a little more about it, it was featured in a recent newsletter. Go here and don't forget to sign up to keep […]Read More»
A Forest of Sorts
Watson Lake is on Highway 1. Why not drive from Vancouver to Whitehorse . . . you'd pass by this interesting 'Forest'. Signs have been appearing since 1942 when a US army officer decided it was a good idea to install a sign providing directions to his home town, distance along with an arrow…(one of […]Read More»
Loneliness is peaceful
Buildings, Bike Racing and an industrial suburb…. A long time mate on a solo breakaway during a Sunday morning race…… (incidentally, he got up for 2nd place)Read More»
Until I moved to Canada, I was oblivious to the similarities between the 'First Nations' people of Canada and the 'Aborigines' of Australia and the 'Māori' of New Zealand. They share a common struggle in the transition of their knowledge, history and culture to younger generations. During the last couple of years, I've had the […]Read More»
Which Way Next?
My architectural photography work has been recognized with an honorable mention in the Buildings – Architecture category in the Lucie Foundation's 2013 International Photography Awards. Taken back in 2011 at the end of a European trip (where we saw Cadel Evens win Australias first ever Tour de France – but that's another story) as we […]Read More»


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Introduction|Intro|Background} Hero Honda Splendor Market Price
In this Market Hero review, I'm going to reveal some email advertising secrets that are so great, you'll want to crawl buck-naked across broken glass just to locate them. Hero Honda Splendor Market Price
But first, I want to say"thank you" to Alex Becker, the founder of Market Hero.
I started watching Alex Becker's YouTube movies back in 2016. He taught me how to conduct a Shopify shop, and a bunch of stuff about entrepreneurship, online advertising.
It was right around the time that Alex released his book, The 10 Pillars of Wealth: Mind-Sets of The World's Richest People. I got that book once I watched it and I jumped to highlight it and then mark it up with notes. I might go re-read it.
Actually, Market Hero isn't even his only multi-million dollar business. The SEO software development firm Source Wave was also founded by him and he is running a nutritional supplement brand. He has also got a couple of classes out there in the marketplace teaching individuals to increase their lists and sell more on Shopify.
The dude is a freaking machine. My hat's off to you, Alex.
Subscribe to the free trial here: Market Hero
What Is Market Hero?
Anyhow, Market Hero is one of the best email Autoresponders on the market nowadays and it is so much better than its rivals because it concentrates on in-depth revenue metrics.
I have used a bunch of email autoresponder software over the years, such as MadMimi and Drip. Drip has been my favorite up until I started using Market Hero. Drip allows you like track your open rates to do lots of stuff and label your subscribers.
But if you're anything like me, as you care about open rates and click-through prices, what matters is SALES. Earnings are the lifeblood of your enterprise and earnings is what puts cold, hard cash into your pocket. Market Hero makes it possible to monitor sales, simple and plain.
Market Hero Support
While I didn't have to use Market Hero service that They got back to me much since everything is fairly self-explanatory, the couple times that I did reach out to them. Hero Honda Splendor Market Price
The service is not great to the point at which they provide you with detailed step-by-step videos and hold your hand through each step of the way, however it isn't terrible. Besides, if you need that degree of coddling and hand-holding, perhaps Market Hero isn't for you.
Market Hero has English-speaking support staff available to respond to your questions through live chat at no cost. Such as some unscrupulous firms do you don't need to be a part of any plan or package that is upgraded to possess priority service. You just log in and begin chatting.
Can Market Hero Truly 4X Your Business?
On Market Hero's homepage You will see states,"4X Your Email Business With Unequaled Delivery and Revenue Metrics". This immediately set off my B.S. sensor because I understand how hard it is to 4X an email sequence, particularly if you're any good at what you are doing.
However, Market Hero offers a free trial so I figured I'd register and see if it had been any good. I figured I only need a small increase in earnings for Market Hero to cover itself and if it did 4X my business, I would be flying high.
Now, in the interest of full disclosure I really do want to tell you Market Hero has NOT increased my earnings 4X (yet), but I am gaining more sales than before and Market Hero IS paying for itself. Easily, actually. I had my own email game tight and was doing well, so I knew a 4X increase would be tough.
But if you're brand new to email marketing or if you have a smaller internet business, Market Hero could probably 4X your sales. Here's how:
It monitors your customers' lifetime value.
I know I already mentioned this, but the key to Market Hero is the way that it retains your customers' lifetime value (LTV) facing you constantly and it changes as you send emails out and tweak your own autoresponder. As soon as you know your client value, it's possible to literally"buy" clients. What Market Hero does is each conversion for each and every guide on your listing and track every sale. It gives you the stats you need to grow your organization and then averages together everything.
If you're to do this manually, you would most likely have to go through different softwares, different spreadsheets, and return through your previous earnings. You may have to crunch a lot of amounts that you don't even have anymore. Market Hero solves this problem better than anyone else on the market.
You're able to section using tags.
Sign up for the free trial here: Market Hero
I know that you are probably thinking,"Tags? Okay… big thing." However, the way that Market Hero lets you use tags is better. Here's why…
Let us say that I'm running two different campaigns for the identical audience. Anyone who opts-in to the first effort is going to be tagged as"A" and anyone who opts-in into the next campaign is going to be labeled as"B".
I can enter Market Hero and filter out all the"B" opt-ins and see just how much they are worth in contrast to"A" opt-ins. If I find out that the"B" opt-ins are making more money, I understand that I must be pouring more ad dollars into marketing the"B" opt-in. Hero Honda Splendor Market Price
If you do this again and again, you can build a powerful business because you'll always be split-testing to determine which kinds of individuals are worth more to your enterprise.
And getting this up and running will be super-easy too. All you have to do is choose the pixel which Market Hero gives you and put it in the areas that you want to monitor. From that point, Market Hero will keep tabs on all of your clients, sales, conversions, etc. to supply you with the data that you will need to grow your organization.
You're able to incorporate with a lot of other services.
Inside Market Hero, there is a button called"integrations" that – you guessed it helps you integrate with matters like ClickFunnels, SamCart, Shopify, Leadpages, Zapier, and much more.
I believe this is a wise move by Alex Becker since it indicates he understands his market. He knows that are using things such as this and he wants to be certain that his software integrates.
My only complaint is that lots of the software I use, for example OptinMonster and Thrive Themes has not been put in the"integrations" tab. That doesn't mean you CAN'T integrate them, because you can (you use Zapier to make them speak to each other) but it's not quite as simple as something like ClickFunnels or Shopify.
Talking of Shopify…
How Is This Different From Autoresponders?
The best method for me to explain it is of The other email autoresponders were built for email marketers. I've nothing against marketers and I send mails however, their thinking has its limits. Market Hero was constructed by means of a company owner FOR business owners.
Market Hero differs because it provides you with a bunch of different ways to assist you monitor ROI and create more profit from the own emails.
By way of instance, among the coolest features is that it shows you just how much each lead is worth. Imagine logging into your email autoresponder and seeing that every guide is worth $6.87 for you. Meaning that you can go out and"buy" email addresses to create money. Everything you do is that you purchase paid visitors from Google, Facebook, etc. and send traffic into a opt-in page. If you can find a successful opt-in for significantly less money than it's worth, you get a small business that is lucrative. As you can rinse and repeat as many times.
It also allows you to segment your list in far deeper ways compared to other autoresponder services on the market. I utilized Drip and they have some segmentation tools from the ability to apply tags to your leads , like I said, but it is small potatoes compared Market Hero. I really don't need to give away any of Market Hero's proprietary information, but let's just say that you will most likely be pleased with the segmentation ability. Hero Honda Splendor Market Price
Is Market Hero a Scam?
From what I've seen, absolutely not. I think that At this time, by being a scam artist, Alex Becker has to lose. Businesses's running and he's smart enough to understand that if his reputation was tarnished by him, he'd be screwed.
From what I've seen, people have complained about his refund policy. These people are typically the individuals who have utilized Market Hero for weeks and attempt to get their money back. These are the scammers. If you are not inclined to cover for a service that may improve your life and your business, you are scum. Plain and simple.
Market Hero's free trial offer is really straightforward. It states that if you cancel within 14 days you won't be charged anything.
Rest assured, gentle reader. Market Hero is legit.
In Case You Have Shopify (Or Any Online Business…)
When I began composing this Market Hero review Was worried that it went to lean a bit too much towards Shopify entrepreneurs. That is why I want to stress this Market Hero will assist you in ANY online business, not just Shopify.
On his YouTube station, Alex has published a great deal of different videos about Shopify. When you get past the titles, you find that he provides a whole lot of information on how best to make money with Shopify. Part of this reason is because he needs to get folks to check out Market Hero because he understands it might help them with their Shopify company.
By way of example, Market Hero lets you create abandoned cart strings. When someone begins the checkout procedure in Shopify (by entering their email) but does not complete it, that has monitored in Market Hero. From that point, you get them back to finish their purchase and can follow up with that individual.
The ability to make those cart sequences is only one of the ways that it is possible to earn Market Hero literally cover itself. Let's do some math…
based on the analysis that you browse, the average cart abandonment rate for an internet shop is generally somewhere in the neighborhood of 70-80%. Are there people with lower abandonment rates? Sure, but this is the average.
Imagine that you have 100 people go through your checkout process and 80 of those individuals abandon your cart. That usually means you have 20 clients and 80 non-customers. Imagine if a cart recovery sequence got a mere 10% of the non-customers to buy?
That will get you an extra 8 customers. Which means that you would literally boost your earnings 40%! (Because 8 additional sales is 40% of the 20 sales you already had.)
If you boosted your sales 40 percent, would that justify the investment in Market Hero? But that's not all…
Market Hero also allows you to create upsell sequences. Can you create such sequences? Yes, you can. It's nowhere near as fluid and it will not provide you that all-important lifetime customer value, although I'm totally transparent about that. Hero Honda Splendor Market Price
The motive Market Hero is so powerful is because you're able to use tags and monitor LTV. When you link Market Hero into Shopify, it starts monitoring immediately. Buy tags are applied that show.
Imagine that you have a Shopify store selling print-on-demand dog tops. If someone purchased a pug shirt, then it'd be silly to attempt to market Golden Retriever stuff to this person? But that is since they don't have the information in front of them, exactly what a lot of entrepreneurs do. Because Market Hero enables you to determine exactly what the individual bought, you can concentrate on selling only pug-related stuff.
You can totally geek out on this stuff. You intricate can get as comprehensive as you like. In my private business, I use it to section the subjects that financial advisors are interested in. Since I sell products that assist financial advisors GET clients and help them KEEP customers, if a person is interested in KEEPING clients, because they would be immaterial, I don't need to bombard them with emails about GETTING customers. This individual would unsubscribe.
Oh, and in case you're interested, here's a video of Alex Becker showing you ways to increase your own Shopify sales 300 percent with Market Hero. Keep in mind that Market Hero may be used with ANY online business, not Shopify.
Market Hero is an email software that is awesome because It's built for people that are trying to earn money on the internet. In Case You Haven't completed So already, go over there, import your list and take advantage of this free trial.
You can't afford to not understand your numbers. That is like Driving blind. You're leaving a huge, if you don't know your numbers Amount of money. Imagine how much more money you can make if you Knew precisely what every lead was worth. How would that change your own decisions? How would that change your life? Hero Honda Splendor Market Price
Subscribe to the free trial here: Market Hero


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I am born with beauty
surounding every twig and blade
refracting every color.
Touch me now
before I go.
If you are seeking after inspiration, freedom and happiness, this is the blog for you!
|Front Steps
|Sidewalk and Tree Bed
|Complete Strangers Dining in a Turkish Restaurant
|A Wet Day in Late September
|Escaping flowers caught in the glare of a searching headlight
|Madison Avenue and 106th (dawn/dusk)
|From Light to Dark on Madison Avenue


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Here at Rottler Pest & Lawn Solutions, we've made a commitment to our customers, to provide superior service to exceed your expectations. With all the challenges of simply running a business that's a high bar, but customer service is about looking to the needs and desires of others, and with that in mind we treat every customer and every job as an opportunity to achieve excellence. Sometimes the hard work that a company puts in can go unnoticed, but when a great group of people get together and give it their all, sometimes others take notice.
Rottler is honored to receive the 2017 Angie's List Super Service Award, in recognition of our success in maintaining high standards of customer service. The Super Service Award is a testament to our staff's incredible efforts to form good relationships with and meet the needs of customers. Angie's List has strict eligibility requirements for the award, such as maintaining an "A" rating in overall grade, recent grade, and review period grade. This means that Rottler has been consistent in making a good impression on our customers; a goal we are thrilled to be doing well at meeting.
Rottler started out as a one-man operation, but now we are a large and growing family dedicated to providing exceptional pest control to our customers. It's only through teamwork and a focus on people as a priority that we have been able to maintain the high standards that Angie's List requires for its award criteria. As we continue partnering with our customers and growing our business, we will not stop looking for the best methods, the most cost-effective solutions, and the most efficient systems, in order to maintain superior services and exceed expectations. Here's to 2018 being another great year of super service, and to all the incredible customers who motivate Rottler Pest & Lawn Solutions to bigger and better things each year!


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The cynosure, select passages from the most distinguished writers [ed. by sir N.H. Nicolas].
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The Cynosure, Select Passages from the Most Distinguished Writers [Ed. by ...
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Parole e frasi comuni
aspiring tower beam beauty BEN JONSON bids blessed blest bosom brave breast breath bright brow calm CHAUCER COLERIDGE conscience COUNTESS OF BLESSINGTON CYRIL TOURNEUR dark dear death delight doth dreams earth eternal evil fair fame fate fear feel feltham flowers folly fortune Fortune's friendship gentle gift give gloom glory grief happiness hast hate hath heart Heaven honour hope hope and fear hour human JOANNA BAILLIE JOHN MITFORD life's light live man's MARY BRUNTON mighty mind nature ne'er never noble o'er once pain passion peace pleasure pride pure racter reason religion round Sabbath bell shine sighs SIR THOMAS WYATT sleep smile soothe sorrow soul spirit storm stream sweet tears Tell thee thine things thou thought throne tion true truth virtue WALTER SCOTT wealth weep wings wisdom wise WORDSWORTH youth
Brani popolari
Pagina 87 - Go, lovely rose, Tell her that wastes her time and me, That now she knows, When I resemble her to thee, How sweet and fair she seems to be. Tell her that's young And shuns to have her graces spied, That hadst thou sprung In deserts where no men abide, Thou must have uncommended died.
Pagina 148 - Of towns and cities, I have owed to them In hours of weariness, sensations sweet, Felt in the blood, and felt along the heart; And passing even into my purer mind...
Pagina 65 - SWEET day, so cool, so calm, so bright, The bridal of the earth and sky, The dew shall weep thy fall to-night; For thou must die.
Pagina 227 - Wisdom's self Oft seeks to sweet retired solitude ; Where, with her best nurse, Contemplation, She plumes her feathers, and lets grow her wings, That in the various bustle of resort Were all too ruffled, and sometimes impair'd. He that has light within his own clear breast, May sit i...
Pagina 161 - I know they are as lively, and as vigorously productive, as those fabulous dragon's teeth: and being sown up and down, may chance to spring up armed men. And yet, on the other hand, unless wariness be used, as good almost kill a man as kill a good book: who kills a man kills a reasonable creature, God's image; but he who destroys a good book, kills reason itself, kills the image of God, as it were, in the eye.
Pagina 53 - A countenance in which did meet Sweet records, promises as sweet; A creature not too bright or good For human nature's daily food: For transient sorrows, simple wiles, Praise, blame, love, kisses, tears, and smiles.
Pagina 161 - For books are not absolutely dead things, but do contain a potency of life in them to be as active as that soul was whose progeny they are; nay they do preserve as in a vial the purest efficacy and extraction of that living intellect that bred them.
Pagina 23 - Thou art the source and centre of all minds, Their only point of rest, eternal Word ! From thee departing, they are lost and rove At random without honour, hope, or peace. From thee is all that soothes the life of man. His high endeavour, and his glad success, His strength to suffer and his will to serve.
Pagina 74 - Then gently scan your brother man, Still gentler sister woman ; Tho' they may gang a kennin wrang, To step aside is human : One point must still be greatly dark, The moving why they do it : And just as lamely can ye mark, How far perhaps they rue it.
Pagina 177 - Since Trifles make the Sum of human things And half our misery from our foibles springs Since [life's best joys] consist in peace and ease And [few can] save or serve but all may please: Oh! let the [ungentle] spirit learn from hence, A small unkindness is a great offence. Large bounties to bestow we wish in vain; But all may shun the guilt of giving pain.


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Building a Technology business
We will create a business that creates tech. We will work together and use our visions to help get us started on our path. The major key areas we need people in are; production, manufacturing, big thinking, and sales. If we can have these filed than we can start making money and fallow our goal/vision. As the owner, I promise you that I will do whatever I can to keep this business alive. We will start small but grow. My goal is to have a working and functional business before the end of this school year.


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What is the suggested reading order for your series?
Note: The iPhone backgrounds do not contain the series reading order.
They are just a bonus supplement.
Finally! A reading order that blends the Truth in Lies and That Second Chance series.
I've talked to many readers who don't understand how the series fit together. It only seemed appropriate that I explain:
I was so excited about sending characters from That Second Chance series to Magdalena in Truth in Lies, that I didn't think about the order in which they should appear or how it might confuse readers and make them skip the experience altogether. But a few conversations with my engineer-brained husband made me realize that a suggested reading order was necessary.
So, I commissioned a graphic that shows how the two series mesh. This is the first of two. I've made it available in a high-quality, print PDF and wallpapers that will fit both your desktop and mobile devices.
They're my gift to those of who tell me on a daily basis how much you truly love Magdalena (and maybe want to live there.)
It took some time and quite a bit of thought, but I'm pleased with the outcome and hope you will be too.
Happy Reading, and I'll see you in Magdalena!
Leave a Reply
Thank you, Mary, I really enjoy reading all of your books.
Thanks Mary, your books are wonderful. You make your characters come to life on the pages. Thanks so much!
I really enjoy your books. My daughter and I anxiously await your next one!
Thank you Mary for your wonderful books, I thoroughly enjoy them.


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How to Organize Your Wallet
Let's talk about how to organize your wallet. What does yours look like? Is it bulging with receipts and scraps? Does it need a little TLC? These questions are designed to get you thinking. Your wallet is an excellent metaphor for the way you handle your personal finances and an expression of your respect for money. Let's get down to business and get it organized, so you can take a renewed approach to the way you control and spend your cash.
Empty Your Wallet
Open up your wallet, and pull everything out. Chances are, it's pretty dirty and filled with things you no longer need. If you need a new wallet, now's the time to replace it with something fresh and new. As for what was inside, file any receipts you might need to save, such as medical or business expenses. Cut up any credit cards that you don't truly need. Trash anything that's out of date, like expired identification cards or business cards you don't want.
Categorize Your Stuff
Next, group your items so you can find them easily. Put credit cards together, cash sorted by denomination and facing the same direction, and gift cards in one place. Medical insurance cards, business cards, library cards, and other things like that can go in a separate area so they don't get mixed up. Create a designated place to hold business receipts to be expensed, if those are something you need to track.
Specialty Items
Depending on the size and style of your wallet, you can add a few unique items that may help it be more functional. You can slide a GPS tracker into one of the pockets, so if you misplace it, you can find it easily using a cell phone app. Your wallet might have a spot for a key or your mobile phone. You can even buy smart wallets that can protect your debit and credit cards by blocking RFID signals. Some can connect to your smartphone via Bluetooth and charge using solar technology.
Set Some Goals
Now that you know how to organize your wallet, set a goal of keeping the system going, and better yet, adding more cash to it. The more you take care of something, the more you're going to care about what's happening with it. Show your wallet and your finances the respect they deserve!


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The Macarthur Wind Farm in Victoria has been refinanced, demonstrating that developers of large-scale renewable energy projects in Australia can successfully complete a development-refinance-exit cycle.
The original refinancing in 2013 facilitated the exit of the original joint venture partner Meridian Energy. The other joint venture partner was AGL.
At the time, the CEFC provided $50 million as part of a debt package of $499 million to refinance a 50 per cent stake in the $1 billion Macarthur Wind Farm.
Other syndicate members were ANZ, NAB, ING, Shinsei, ICBC and EKF.
The CEFC's additional finance helped ensure efficient market pricing and encouraged other banks to participate. The CEFC was fully repaid in June 2018.


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On behalf of our 101 member organizations, First Call sent questions from our 2017 Provincial Election Toolkit to each of the three main parties in this election.
All three parties have responded, and we encourage everyone to read their answers to our questions about putting the interests of children, youth and working families here.
In the remaining days before the May 9, 2017, provincial election, please feel free to put these questions to your local candidates to discover which candidate is most prepared to put the interests of children, youth and families first.


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Our Vision
Ontario's digital health and community information network.
Through our platforms, we work with partners to improve information systems to connect the people of Ontario to relevant health and community services.
- Access - We believe health and community information should be freely available to everyone
- Collaboration - We recognize that our partners make us stronger, and together we build and sustain our vision
- Communication - We start by listening as we engage with others to encourage a robust dialogue of ideas and opinions
- Diversity & Respect - Everyone is important and treated fairly
- Influence - We value leadership aligned with our vision, mission and values
- Innovation - We pursue solutions, regardless of barriers
- Integrity - We deliver on our commitments with honesty and accountability
- Quality - We are committed to identifying, setting, and following high standards
thehealthline.ca Information Network is a nonprofit organization governed by a volunteer Board of Directors. We offer information architecture and design services, engagement and change management consultation, and in-house application development.


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Mentoring and Coaching Network
Jagadeesh Gandla
The expertise of the EIT Health network can now be accessed on-demand. The Mentoring and Coaching Network (MCN) gathers subject matter experts and top-of-the-line mentors from all over Europe to help with the specific needs of start-ups in medtech, biotech and digital health.
Important dates
Entrepreneurs may register on an ongoing basis and begin the matching process to find expert. Start-ups that apply and are evaluated positively may be selected to receive a small stipend to cover a portion of fees of your chosen expert. If you are interested in accessing the Mentoring and Coaching Network as one of these start-ups, please speak to the Business Creation Manager at your CLC or contact the programme manager listed at left.
Is it for me?
The programme is aimed at all business maturity levels, ranging from early stage start-ups developing their product to more mature scale-ups with a developed product and in the phase of expanding to new markets.
The programme
To create a vast pool of MCN experts, EIT Health has integrated its individual experts, partners, institutions and corporations into one robust, curated platform of quality mentors, coaches and subject-matter experts with specific know-how and relevant track records from around the EU.
How to apply
Start-ups who are looking for subject-matter expert mentoring support can use this link to apply. Start-ups are asked to contact their local Business Creation Manager, who is listed on this page, to get started.
Expert Mentors who would be interested in joining the MCN can apply here.


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Prenuptial Agreements
If you are getting married you may want to consider getting a Prenuptial Agreement.
It is sometimes sensible to give provision for the way in which a relationship breakdown will be handled, should the worst ever happen. You can protect both parties by agreeing to a Prenuptial Agreement.
If you are considering an agreement or want to discuss options please contact us on 01629 582308 or make a Free Online Enquiry.
There are many benefits of making these formal arrangements which manage how such things as the Children and the finances should be dealt with if you should separate:-
- By discussing these matters at the beginning, you are more likely to be on good terms and to be civil and thoughtful. It is more likely that you can come to an agreement about how various matters can be dealt with and for you to be able to reach that agreement in an amicable manner.
- If one of you has capital or assets when you get together then that person may wish to ensure that they keep the benefit of that hard-earned capital or assets. In this day and age, there is no good reason why one person should benefit from the other's hard work from before they even met. These type of agreements allow you to make provision for this.
- Often when a relationship breaks down it can be difficult to communicate. There can be hostility and confrontation. Having a planned and agreed strategy for what happens if the relationship breaks down can avoid the heartache and hassle of trying to sort things out at the point of breakdown.
- Having the agreement in place should speed up the process of affecting a separation, as the mechanism is all in place as to how matters will be dealt with.
It is possible to enter into a contract to manage the arrangements should a relationship breakdown whether you intend to marry or intend to live together. The position with the contract for marrying couples is that the agreement intends to alter the legal position and the jurisdiction of the court.
A Prenuptial Agreement
If you are getting married and you want to make formal provision for what will happen on the breakdown of your marriage, then you can enter into a Prenuptial Agreement with your future spouse.
In order to be enforceable, it is necessary that the contract to be entered into with knowledge of the financial matters as they are at the date of the marriage and with the benefit of legal advice in relation to your legal rights and obligations and how the contract/Prenup will affect them.
The process involves some element of consideration of what you both wish to happen on the breakdown and negotiations to reach an agreement on how that will work. The purpose is to come to an agreement which is fair and reasonable and which is indeed a mutual agreement.
If the agreement is made on the basis of knowledge and legal advice it is likely to bind you both. It is not possible to oust the jurisdiction of the court. However, an agreement prepared with full disclosure of each parties' financial information and with both parties having legal advice, is likely to be upheld by the court if the court ever needed to be involved in a dispute about the validity of such an agreement.
Make an Enquiry
If you would like to get in touch with us please either call us on 01629 582308 or make a Free Online Enquiry.
To request an appointment please click here.
Why Choose Us?
- Delivering a first class legal service for over 100 years.
- We combine our local knowledge with up-to-date legal practices and technology to ensure that your needs are met and your expectations fulfilled.
- There are no hidden charges with any of the work we carry out for clients.


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14/5/2014 – Recently opening their Singapore branch with much hype 2 months ago (to the extent of having to queue up to 2-3 hours just for the food on their first few days), Restoran Kin Kin is a popular restaurant in KL specializing in their chilli pan mee.
Besides having the original pan mee and other types of you mian, they also have soups.
The Signature Dry Chilli Pan Mee ($5) looks like an ordinary dry ban mian when it was served out, but after mixing the chilli paste that is provided on the table, it's not hard to see why this is one of the favourites here. The chilli, while not being overly spicy, brought out the flavour in the ban mian after mixing the minced meat, ikan bilis, poached egg, fried onions and meatballs. It tasted like a dry ramen you can get in a Japanese restaurant, except that this is more flavourful, more filling, less dry and definitely more spicier (but less spicier than other types of noodles).
The chilli that is responsible for the great tasting pan mee.
As the hype for this place becomes more manageable, it is now easier to have a meal here (be it for lunch or for dinner, dine-in or takeaway). Given that this place is around the MacPherson / Tai Seng area, this place will be filled with the lunch crowd!
Food: 7.6/10 (great pan mee)
Ambience: 7.1/10 (simply decorated)
Comfort: 7.3/10 (ample seating)
Service: 7.4/10 (good service)
Kin Kin Chilli Pan Mee 建记辣椒板面
534 MacPherson Road
Singapore 368220
Operating Hours: 11am – 8pm
Tel: +65 6743 1372
Website: –