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Flowers and chocolate are a classic and wonderful gift ideas for Mother's Day,
but this year we suggest making Mother's day a little more special. To show how
much you really appreciate everything mom does, we have some unique ideas that
will not only make an unforgettable Mother's Day, but will keep on giving the
rest of the year!
Surprise your mom with something different by learning
how to help out with some of her most time consuming tasks. Once mom has less
chores to do she will have more time to unwind and spend quality time with the
entire family, which seems like the best gift of all!
A study conducted by researchers at the University of Michigan found out
that moms spend around 17 hours per week on housework, which equals is 884
hours per year! Add to that, 224 hours a year spent on washing and folding
clothes and another hour a day spent on meal preparation and clean up and you
can see how much time these chores can eat up (more than two months to be
exact). Give your mom a break this year by helping to lend a hand with the
household chores.
Vacuuming can be a really easy way to make the house look great and
surprise mom this Mother's day. To make sure you do it properly (so mom
doesn't have to redo it!), check out this video or follow this step-by-step
guide for easy instructions.
Cleaning out the Refrigerator
Most people will agree having an organized and fresh smelling fridge is
something they appreciate – and moms would agree. Since it's often a pretty
time-consuming task that involves a lot of bending over, this can be a great
way to give mom a break by doing it yourself.
To get started all you need is some vinegar and water (3 parts water to 1
part vinegar) or a kitchen safe sanitizer and just follow these steps:
Loading the Dishwasher
When supper's over, don't leave mom to clean up the kitchen by herself.
You can help clear the table, rinse the dishes and put any food items away.
One really great (and often overlooked!) way to help mom is to learn how to
properly load the dishwasher.
If you don't load the dishwasher properly, it can cause dishes to not be
cleaned properly, require second cleanings and even ruin dishes by spotting
or breaking them. Mom will definitely appreciate the extra care when helping
her out after mealtime.
Using the Washer and Dryer
A family of four on average can go through 8 loads of laundry a week. That makes for a lot of washing, drying, folding and putting away. By learning how to properly sort, wash, dry and fold your own laundry, you can show mom you care every week! Laundry can also turn into a fun activity when you and mom sort and fold the clothes together!
Helping with the laundry is not a hard job since the washer and dryer do most of the work. Just follow these easy steps and you will have all of the laundry done and ready to wear by the end of the day.
Photo Credit:
All brand logos are trademarks of their respective owners.
The PartSelect logo is a Registered Trademark of Atlantic Laundry Centres, Ltd.
Copyright © 1999-2020, Eldis Group Partnership. All rights reserved.


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Non Woven Printed Shopping Bag – B04
Quantity discounts available:
|50 - 99
|100 - 249
|250 - 499
|500 - 999
- Price includes 1 color, 1 position print
- 2 Color imprint available for an additional charge
Ensure customers are supermarket shopping with your brand
Buy printed non-woven tote bags to hand out to your customers as a way of spreading brand awareness. Not only will the branding be effective on the person that uses the re-usable shopping tote bag on every trip, it will also serve as a walking advertisement every time they take it out of the house.
80gsm non-woven polypropylene. Bound seams. 2 handles. PE baseboard.
Size: W32 x H30 x D23 cm
Print Area:
Decoration option: Screen print (nylon bags excluded), Heat transfer.
Print Area: (W) 10 x (H) 21 cm
SKU:B04. Category: Non Woven Tote Bags.

subset: commoncrawl


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Regular Property Tax Deferment Program
The regular tax deferment program is a low interest loan program that allows you to defer paying all or part of your property taxes on your principal residence if you're:
- 55 or older,
- a surviving spouse of any age, or
- a person with disabilities.
Find out what the program qualifications are for:
Applicant Qualifications
To qualify for this program, you must:
- Be a Canadian citizen or permanent resident of Canada
- Be a registered owner of the property
- Have lived in B.C. for at least one year prior to applying
- Pay property taxes for the residence to a municipality or the province
- Have paid all previous years' property taxes, utility user fees, penalties and interest
and you must be either
- age 55 or older this year (only one owner must be 55 or older any time during the current calendar year), or
- a surviving spouse of any age who isn't currently the spouse of another person, or
- designated as a person with disabilities under the Employment and Assistance for Persons with Disabilities Act, or
- a person with disabilities and in the opinion of a physician, your severe mental or physical impairment:
- is likely to continue for at least two years, and
- directly and significantly restricts your ability to perform daily living activities, either continuously or periodically for extended periods, and
- as a result of those restrictions, requires you to have an assistive device, the significant help or supervision of another person, or the services of an assistance animal to perform those activities
Property Qualifications
To qualify for this program, your eligible property must:
- Be your principal residence (where you live and conduct your daily activities), and
- Be taxed as residential (class 1)
Your property doesn't qualify for tax deferment if:
- You don't meet ALL program qualifications
- Your current year property taxes have already been paid in full
- You owe overdue property taxes in arrears for previous years
- It's a second residence like a cottage, summer home or rental home
- The property is taxed by a First Nation
- The property title is entirely in the name of the executor/executrix, or an administrator of the deceased owner's estate
- The property title is entirely in trust
- The property is leased from the Crown or Municipality
- It's a float home or a home on stilts that doesn't have a property title registered with the Land Title Office
- It has a Caveat other than Public Guardian and Trustee
- It has a Certificate of Pending Litigation or an Injunction
- It has a judgment registered on title (judgments expire two years after registration or renewal unless it's non-expiring)
Contact your lender prior to applying to ensure approval into the program does not conflict with the terms of your loan.
Note: If there's an option to purchase on the property title, the property may not qualify for deferment. Contact us for more information before you apply.
Equity Requirements
You must have and maintain a minimum equity of 25% of the property's assessed value. This means that all charges registered against your property plus the amount of taxes you want to defer can't be more than 75% of the BC Assessment value of your property in the year you apply.
Find out how equity is calculated.
How to Apply
Before you apply for this program you need to find out if you're eligible by completing the property tax deferment eligibility calculator for this program. The calculator will ask you a series of questions to ensure you meet all program requirements.
Note: This eligibility calculator does not auto populate your application form.
To help you answer the questions on the calculator, we recommend you have the following information available:
- Annual property tax notice
- Current assessment notice from BC Assessment (issued in January)
- Current mortgage statement
- Line of credit statement indicating the credit limit
- House insurance documents
Note: Some firewall protection settings may prevent our emails coming to you. Please add firstname.lastname@example.com to your contacts so our emails do not go into your spam or junk folder.
If you do not indicate an email address on your application, our office will send correspondence requesting information by mail. Ensure you are regularly monitoring your email or mail. Failure to respond to any requested information by the given due date will result in your application being rejected.
You'll find out how to apply for this tax deferment program once you successfully complete the eligibility calculator.
Click on the link below to get started:
Property Tax Deferment Eligibility Calculator – Regular Program


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Many of you may not be aware of the brand "Sakai Jikko", yet is a very well-known brand in the Japan domestic market with a long history of making premium professional kitchen knives. They were established in 1901, and now is in the hands of the 4th generation owner Toshiyuki Jikko.
In the past years, they were so focused on the domestic market and a lot of OEM work so many of us has barely heard of them. In fact, Jikko is among the biggest Sakai knife brands.
Jikko also has a long history of partnering with some of the top Sakai makers. The late Tatsuo Ikeda (elder brother of Yoshikazu Ikeda) use to work mostly with Jikko and now his son Ryoichi Ikeda is doing the same. Kenichi Shiraki is another master that works a lot with Jikko, mostly responsible for Jikko's Blue steel and honyaki blades.


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Many people today want to increase their home by making their home stand out for increased value. A lot of people are not good at interior designer.
A good tip when interior designing a room is to have an idea of what the room's function. If it is a kid's room that you're designing, you might want to play with vivid and lively colors because it'll match with their personality. But brighter colors will definitely not go well in a library for instance.
One thing everyone should keep in mind whenever they are designing a room is to make or create a mood.Think about that specific mood and stick with it when you are deciding which items for the room. For instance, cool colors and pastels are good for creating a relaxing, then you should select soft and warm colors.
Make sure that any office space functional whenever you design an office. It is vital to have good lighting in a work space.
It can be detrimental to start a project and find out that your funds have dried up. This can help lower your anxiety and stress while designing.
Pay attention to minor details.You will be able to create a good look by using small elements of decors or creating color patterns and bright accessories.
Make each and every room what you want it to be. While you may have one style in mind that suits your guests, remember that you will be spending the most time there. If you have a particular style of decor that you like, go for it.
Many of us possess small spaces in their homes that we want to make appear larger. Using light-colored paints on the walls can help make any space a less-restricted feeling.Dark colors in small rooms make the room or space.
Try to be reasonable when you sell your home.It is good to add personality to your decor, but make sure you stay away from anything wild and crazy. If you ever plan to sell your home, your outlandish decor might drive away serious buyers. If you really want to something that only you will like, just remember that you may have to remove it later on.
Now you understand how easy it is to figure out how to fix up the interior of your home. Use this article's advice and you'll be happy to come home every day. Just put in some work, and you can achieve the home you've been dreaming of.


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Faculty of Business Administration
Welcome the Faculty of Business Administration
Founded in 1990, by enrollment, the Faculty of Business Administration (FBA) is the largest faculty at Ho Chi Minh City Open University. Across the country, 18,000 alumni are always well received and well respected. Many of them hold top management positions in both Vietnamese and multinational corporations.The FBA offers a Bachelor in Business Administration with specializations in International Business, Tourism, Human Resources, and Marketing. The faculty's current enrollments exceed 4,000 on-campus and 15,000 off-campus students additionally.
The FBA is home to 40 full-time and 120 part-time faculty members who hold master and doctor degrees from leading institutions in the United States, Australia, France, or Germany. The faculty members have published notable textbooks and research articles in high impact national and international journals. Many of them also have extensive experiences in consulting and have received numerous teaching, research and service excellence awards.
The FBA has various programs in cooperation with the business community, giving students opportunities to improve their practical experience working on current business issues. Each academic major in the FBA has an annual competition with interesting and practical topics that helps students improve their effectiveness and efficiency when coping with the real business world. Students of FBA have also enjoyed the support of the faculty members to participate in high quality academic research and have won numerous awards at faculty, university and national levels.
Contact details:
Room 212 – Tel.: (84-8) 39 300 208
Room 211 – Tel.: (84-8) 39 303 354
Faculty of Economics and Law
The Faculty of Economics and Law offers the curriculum for the Bachelor in majors of Economics, Investment Economics, International Economics, and Business Law. The curriculum is frequently updated to meet demands of the society and employers. Students of the Faculty of Economics and Law not only study in an academic environment but also have chances to participate in practical activities to support their future careers. Graduates, therefore, can quickly catch up work after graduating in both public sectors such as State bodies, courts, or research institutes, etc… and private sectors such as enterprises, or consulting firms, etc...
- Economics
- Investment Economics
- International Economics
- Economic Law
Contact details:
Room 205 – Tel.: (84-8) 39 307 172
Faculty of Finance – Banking
The Faculty of Finance – Banking provides the curriculum for the Bachelor in Finance – Banking. The faculty aims to equip students with well-developed analytical and interpersonal skills, high level of literacy, numeracy along with computer proficiency and a thorough grounding in theory as well as practical application of Finance and Banking disciplines. The faculty provides students with well-rounded knowledge both in socio-economics and their own specialization. The lecturers apply student-centered teaching styles and a range of methods, including face-to-face teaching and interactive group work to enhance the learning experiences. Furthermore, the Faculty offers students academic workshops and diversified activities to help them obtain necessary soft-skills. "Heading to Stockholm", "Stimulated Stock Exchange ISK", "English Olympiad" are important activities of the Faculty that create an environment for students to apply their knowledge and develop their skills along with mindset for future careers.
- Finance
+ Corporate Finance
+ Public Finance
+ Investment Management
+ Insurance
- Banking
Contact details:
Room 209 – Tel.: (84-8) 39 301 282
Room 210 – Tel.: (84-8) 39 303 611
Faculty of Accounting – Auditing
The Faculty of Accounting - Auditing develops people who are knowledgeable in the best business practices and professional standard, think creatively and communicate effectively. We promote academic excellence, foster strong relationships with the business community and professional bodies such as the Vietnamese Association of Certified Public Accountants (VACPA), the Association of Chartered Certified Accountants (ACCA).
The Faculty of Accounting - Auditing awards the Bachelor Degree of Accounting - Auditing. Students can specialize in accounting and auditing. Graduates are well prepared for accounting, taxation or auditing roles in the following organizations: Accounting practices including accounting and auditing firms;corporations;small and medium-sized businesses;govern- ment; non-profit organizations;...
- Accounting
- Auditing
Contact details
Room: 204 – Tel.: (84-8) 39 333 403
Faculty of Biotechnology
The Faculty of Biotechnology provides the curriculum for the Bachelor in Biotechnology.We offer a high quality education and practical experience in Biotechnology. Graduates are well equipped with core knowledge in biology and technology to conduct research, produce bio-products to serve human interests such as processed foods, medicine for human and animals, products for industrial production like enzymes, organic solvents, and human disease diagnostics. Students can specialize in molecular and cell technology, microorganism technology, food, environment, and biological applications in forestry, agriculture and medicine. They are capable for organizing industrial production.We also pay much attention to practical training for students with laboratory practice and extra-curricular activities and field trips to production facilities in different economic sectors and ecological systems. Our graduates are well prepared and ready for a variety of careers including researching in biotechnological laboratories, medical centers, hospitals, food companies, environmental researches, marketing,... or continuing higher education.
- Agricultural - Environmental Biotechnology
- Biomedical and Pharmaceutical Biotechnology
- Food Technology
Contact details:
Room: 304 – Tel.: (84-8) 39 300 086
Faculty of Civil & Electrical Engineering
The Faculty of Civil and Electrical Engineering (CEE) has eighteen full-time faculty members and four staffs dedicated to the education of more than 1500 full-time undergraduate students, 1200 distance-learning undergraduate students and more than 60 graduate students. The education in the Faculty equips students with leadership in the professions of civil and electrical engineering. Career opportunities are very apparent because of the many pressing needs to improve and expand the infrastructure as well as industrialization of Vietnam.
The CEE laboratories for teaching and research are among the best in the nation, providing opportunities for hands-on experience and lab skills for all students. In the South ofVietnam, there are incomparable opportunities for students to experience ground-breaking local civil and electrical engineering projects and participate in professional activities.
The Faculty of Civil and Electrical Engineering (CEE) conducts cutting-edge research in evolving and vital areas that addresses societal needs for well-designed and well-operated buildings, energy, and water systems. Extensive efforts will be necessary for civil infrastructure to cope with adverse changes of weather and climate. Our research and teaching serve the needs of a growing I urban population that requires sustainable improvements in I standard of living
CEE's research establishes and advances the intellectual I foundations of new fields of study. We develop theory and I improve understanding, and provide tools and techniques for I solving new important problems. Educational activities of the Faculty focus on developing future leaders of the engineering profession, in academia, and in a broader societal context.
Graduates in civil engineering can perform the tasks of designing and implementation of civil and industrial construction works, transportation construction works, and planning of residential and urban areas.
Graduates in electrical engineering can exploit, maintain, design, repair and replace the parts of mechanic-electrical, or electric-electrical equipment to serve the agricultural production and food processing industries.
The Faculty is a place of intellectual vitality and diversity where all students, faculty, and staff have the opportunity and the impetus to achieve their full potential. We are proud of our contributions to the mission of the Ho Chi Minh City Open University
- Civil Engineering Technology
- Electrical Engineering Technology Major in Water Supply and Sewerage
- Construction Management
Contact details:
Room: 312 – Tel.: (84-8) 39 300 949
Faculty of Computer Science
The Faculty of Computer Science provides currículums for the Bachelor in majors of Computer Science and Management Information System.
Students are trained to be ethical, disciplined and responsible for their work. They are well equipped with core knowledge and are trained to master the major knowledge to have good practical skills as well as the ability to apply knowledge in problem solving and researching thoroughly in the the field.
For over 20 years of establishment and development, the Faculty has recruited a team of lecturers with high qualification and extensive experience in teaching and scientific researching.
Graduates are supposed to be programmers; IT (information technology) staff in companies; IT staff in organizations applying information technology such as agencies, business management, administration, manufacturing, training, etc...; teachers; researchers; and be able to continue higher education.
- Computer Science:
+ Computer Network
+ Database
+ Graphics and Image Processing
+ Information Management
+ Software Engineering
- Management Information System:
+ Information System Management
+ Information System Development
Contact details:
Room 202 – Tel.: (84-8) 39 301 168
Faculty of Foreign Languages
Welcome to FFL
The Faculty of Foreign Languages was founded in September 1990. It is dedicated to the ideals of "OPEN LEARNING"
Open learning ideals are as follows:
Learning is open to all.
Learning is a lifelong process.
Learning is built on existing skills and knowledge.
Learning is cooperative and that learners enjoy the benefits of cooperation among educational institutions, including sharing faculty, instructional material and collaborative program planning.
Learning can be achieved through distance education.
Learning is learner - centered rather than institution - centered or teacher - centered.
The Faculty of Foreign Languages offers BA curricula in English, Chinese and Japanese. The degree program will equip students with language (English, Chinese and Japanese) knowledge and proficiency along with the necessary cross-cultural awareness to promote cultural assimilation into the target professional and business fields.
As participants in the program, students are trained in their morality and a spirit of self-study for their self- perfection and social integration. Students will practice their skills by using modern learning technologies in language training through their active participation in classes, university clubs, and through their undertaking original research work in their chosen area of interest. In addition, students are equipped with skills of office work, theories and practice of language teaching for high schools and language centers, general knowledge and skills in translation and interpretation in commerce, tourism, accounting and office work.They are also trained with a third language such as Chinese, Japanese, Korean, English, Spanish or French.
Graduates from the Faculty of Foreign Languages of HCM City Open University can pursue their career in education, in diplomatic field domestically or abroad, in international or joint-venture companies. Excellent graduates receive guidance and encouragement if they wish to go on for postgraduate studies.
- English
+ English Language Teaching Methodology
+ Business English
+ Translation and Interpretation
- Chinese
+ Translation and Interpretation
- Japanese
+ Translation and Interpretation
1. The English Speaking Club "The Sun Club"
2. The Chinese Speaking Club
3. The Japanese Speaking Club
4. The Spanish Speaking Club
5. The Guitar Club "The Melody"
6. The Sports Club (Football, Badminton, Swimming, Chess)
7. The FFL Journal
1. The Public Speaking Contest "The Open Challenge"
2. The English Academic Team Contest "The Challenge"
3. The English Singing Contest "Raise Your Voice"
4. The music and dance performances "FFL Galaxy"
5. The Annual Singing Contest
6. The Annual Sports Competitions
7. The Annual Welcome Freshmen Festival
8. Others activities
Contact details:
Room: 310 – Tel.: (84-8) 39 300 949
Faculty of Sociology – Social Work – Southeast Asian Studies
The Faculty of Sociology – Social Work – Southeast Asian Studies offers the curriculum of bachelor degree in Sociology, in Social Work, and in Southeast Asian Studies.
Graduates in Sociology and Social Work are equipped with knowledge and skills in sociology, social work, gender, education, management, psychology, community development. Graduates can work in the followings: organizations of training and research in sociology and applied social sciences; applied social work; public or private social programs for the urban and rural areas; social life improvement; international cooperation; society and community development; planning, research, and personnel sectors of companies and organizations.
Graduates in Southeast Asian Studies can find jobs in diplomatic organizations; tourist agencies; external economic agencies; cultural, educational, scientific organizations, and foreign companies, especially those coming from the Southeast Asia.
- Sociology:
+ Gender and Development
+ General Sociology
+ Sociology of Organizations and Personnel Management
- Social Work
- Southeast Asian Studies:
+ Southeast Asian Cultures
+ International Relations
Contact details:
Room 301 – Tel.: (84.8) 39 300 951
School of Advanced Study
Universities play an important role in creating and developing our country. At the School of Advanced Study (SAS) we embrace this privileged position, delivering teaching and learning that is dynamic, applicable and socially engaged. Our commit-ment is to educate students to highest standards including English language proficiency, create and disseminate knowledge, and engage with our community to address the major issues of our time.
We work across a wide field of the business, engineering, humanities and social sciences, positively impacting more than 1,500 students who are studying a range of undergraduate degrees at the main campuses. We promote inter-disciplinary studies to give our students a unique experience that reflects our dynamic nation. Broad collaboration with industry, business and the professions shapes our teaching and allows us to create the highly educated graduates needed for today's world.
We draw on the talents and scholarship of our staff to advance innovation in teaching and excellence in research. We encourage leadership in community service and public intellectu-alism, engagement in the life of the University and with the nation's peculiar culture and traditions.
The SAS has a strong connection with international reputable partners such as University of Worcester, University of East London, University of Southern Queensland, University of Ballarat and Swinburne University of Technology. Our students will be provided excellent programs and academic knowledge which help them to continue their study at the international universities.
We welcome you to the School and hope that your time at university is rewarding and fosters you with a passion for lifelong learning.
What you can study:
- Accounting
- Auditing
- International Business
- Marketing
- Finance
- Banking
- Civil Engineering
- Business Law
- Business English
Contact details:
Room: 603 – Tel.: (84-8) 39 309 918


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How can you NOT love the movie "ELF"?
I mean for reals.
Best. Christmas movie. Ever.
{Ok so it's tied with "Christmas Vacation" and "A Christmas Story"}
But it's a classic.
And so are ALL of the lines in the movie.
I just KNEW we had to incorporate it somehow to our neighbor gifts this year and so my idea was born:
{Think waffles & pancakes}
Don't worry - - I'm sharing the recipe too!
Aren't those labels PERFECT?
Michelle at Tipsy Graphics makes my labels each year,
and she never disappoints!
I always just tell her the idea I have and she's able to whip up something fabulous.
If you'd like to try out the syrup for yourself {which I highly recommend!} here is the recipe {adapted from THIS one.}
3/4 cup brown sugar
3/4 cup white sugar
1 cup water
1 cup corn syrup
1/4 tsp maple flavoring
3/4 tsp vanilla flavoring
Boil sugars and water together.
Add corn syrup and flavorings. Bring back to a boil for one more minute and then take off of heat.
*Side note: I used pint sized jars for these and one recipe made up 1 1/2 jars. If you're making a lot of these, I would suggest quadrupling the recipe.
*Double Side Note: I LOVE this recipe because it DOES NOT need to be refrigerated. It can be kept in your pantry. AND...it's super easy to make. AND....it's super tasty.


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Nothing better than Gumbo & an LSU win :-) Taking the time to make this quick post to share my recipe with some friends that asked.
Chicken & Sausage Gumbo
1 cup flour
1 cup oil
1 cup chopped onions
1 cup chopped bell peppers
1 cup chopped celery
¼ cup minced garlic
4 quarts (16 cups) chicken broth (I made earlier using a deli chicken carcass)
4 pounds boneless chicken cut into bite sized pieces ( I used a mix of thighs and breast) ( you can also do chicken with the bones in but Randy doesn't do bones)
1-2 pound good smoked sausage cut into bite sized pieces
2 Tablespoons minced parsley (I used dried)
Bunch of green onions, chopped
1 tablespoon Tony Chachere seasoning (or other cajun seasoning)
1 Tablespoon tabasco sauce
salt to taste
Make a roux: Use an iron skillet if you have one. Heat oil until pretty hot. Turn heat down a bit and slowly whisk in flour. Whisk almost constantly, being careful to not burn the mixture. Cook until roux is like light milk chocolate (3-5 minutes usually). Add onions, bell peppers, celery and garlic. Cook until vegetables are wilted. Add chicken broth a little at a time and stir until dissolved. If it seems thick you can add more water. Add seasoning, tabasco & chicken. Bring to a boil and cook for about an hour. Skim oil from top of gumbo. Add green onions/parsley and let simmer on low for another hour or so. Chicken will be very tender and falling apart. Serve over rice. Potato Salad or Baked sweet potatoes make a good side.


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CORI DOERRFELD has been creating art since she could first hold a pencil. After graduating with a degree in studio art from St. Olaf College in Northfield, Minnesota, she received her Post Baccalaureate from the Minneapolis College of Art and Design. With a strong passion for animation and children's literature, Cori has always tried to create art that tells a story. Cori is the author-illustrator of Penny Loves Pink (Little, Brown), Little Bunny Foo Foo (Dial), Matilda in the Middle (Little, Brown) and Maggie and Wendel: Imagine Everything! (S&S). She has also illustrated a quartet of seasonal board books—the most recent of which is Barnyard Baby—written by The New York Times bestselling author Elise Broach (Little, Brown), as well as Fingers For Lunch by Brandt Lewis (Little, Brown). Cori currently lives in Minneapolis, Minnesota, with her husband, daughter, and son. Visit Cori online at www.CoriDoerrfeld.com, @CoriDoerrfeld and coridoerrfeld.tumblr.com.
Cori is represented by Rachel Orr. Please contact Rachel at rko(a)prospectagency.com for more information.
Cori's bookshelf:


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- This event has passed.
Art Camp
July 31, 2018 @ 9:00 am - 4:00 pm
The CPN Cultural Heritage Center will be hosting an Art Camp for ages 9-15 on July 31 and August 1. Camp will include drawing, painting and other art media. Please see flyer for more information.


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What Are Netflix's Strengths and Weaknesses?
Many people are watching Netflix's stock head into the stratosphere, leading to a mania of momentum buying. Unfortunately, this sort of momentum often bypasses the fundamentals of the company. Let's do an old fashioned SWOT analysis to examine the strengths, weaknesses, opportunities, and threats that the company faces.
- Brand: "Netflix" is fast becoming a verb in today's society. Everyone knows the company's name, and the association is generally positive.
- Platform: Of all the major streaming services, Netflix has the best delivery system; this helps to keep customers loyal. Amazon's search engine for Prime Video (videos available for free streaming as part of the Prime service that also includes free two-day shipping on all Amazon orders) returns results including videos you have to purchase, Hulu Plus is jumpy and the experience is weighed down by in-show advertisements, and streaming on Time Warner's HBOGo is both jumpy and plagued with little things like the title of the episode in your queue being unavailable.
- Content: While Netflix recently lost Viacom content, it will soon be replaced with content from Disney which will include George Lucas' beloved "Star Wars" franchise. Also, Netflix has sponsored an exclusive window on some pretty good shows, including its hit original production "House of Cards."
- DVD margins: Yes, some people still rent DVD's. This helps make up for some of the content unavailable via streaming. While HBO won't be allowing "The Sopranos" to stream via Netflix any time soon, you can still get the series from Netflix on DVD. The DVD service boasts strong contribution margins of around 50%.
- Price: Paying $7.99 for all-you-can-watch streaming video is cheaper than one night out at the movies. With Internet-ready TV's dropping like a rock in price, the Netflix experience becomes even more appetizing.
- Forward-thinking management: Say what you want about Reed Hastings, he set Netflix up for the streaming environment we're seeing now. He has also brokered some sweetheart deals from content providers who were all too happy to monetize shows that they never imagined would see air time again.
- Valuation: Netflix trades at over 100x forward earnings estimates of $3.52. When you can buy a company like Google with $50 billion in cash on the books at 29x current earnings (which still isn't cheap by traditional standards), it makes purchasing Netflix stock difficult to justify.
- Quixstergate: Trying to raise prices didn't sit well with consumers and caused Netflix stock to stumble. The effect of this going forward will be to make management a little gun shy at raising prices any time soon. If explained well to consumers given the company's new content, though, Netflix could likely get away with small increases.
- DVD subscriber base: In the second quarter, Netflix lost 475,000 DVD subscribers; this left the subscriber base at 7.51 million. Netflix expects that DVD subscriptions will continue to fall until they're zero.
- Show ownership: Netflix outbid everyone for "House of Cards" and other Netflix originals. Unlike Time Warner, however, the company doesn't own these shows. Netflix has an exclusive window to stream the show, but after that, poof, the hit might be gone. Time Warner derives residual income from sale of its shows' DVDs and other ancillary benefits that Netflix does not.
- International expansion: Beginning solely in the U.S., Netflix is currently available in Canada, England, Netherlands, Scandanavia, and much of Latin America. Netflix will continue to invest in new territories/opportunities.
- Raising capital: With people willing to pay this much for Netflix stock, the company might do well to sell more shares. This might be a good move even if it dilutes the holdings of existing shareholders.
- Advertising: I'm not necessarily talking about in-show advertising like Hulu uses, as that likely wouldn't go over well. Netflix could use a lot of the white space on its website for banners of products that would be synergistic with its business, however. Examples would be the aforementioned Internet-ready TV's, Google's Chromecast device, or other synergistic technologies. This would be a painless way for the company to increase revenues.
- Off-balance-sheet liabilities: Do your homework! In what may or may not be accounting shenanigans, Netflix has "unfunded content liabilities and commitments off the company's balance sheet. Because while Netflix discloses just $2.4 billion in total content liabilities (or 69% of total liabilities), it is the massive $3.3 billion in off-balance-sheet liabilities, up half a billion in just one year, that is truly disturbing."
- Google: Google already owns YouTube, which it has successfully monetized. Google has also put the industry on notice that it plans to add premium content channels, having forged deals ranging from the Hollywood elite to the Wall Street Journal. The company has put a $200 million arrow behind the venture and could easily pull eyes away from Netflix.
- Content price: As mentioned above, Netflix was the beneficiary of very good content deals when streaming began. Expect media companies to raise prices and squeeze Netflix's margins.
Final thoughts
While I am a Netflix subscriber, the valuation on its shares is simply too high. Warren Buffett says rule no. 1 of investing is "don't lose money." Rule no. 2: "follow rule no. 1." With a forward P/E in excess of 100, there are simply far cheaper and less risky companies that one can buy. I would look for a 50% pullback before even considering an investment, and that's without delving into the mysterious off-balance sheet figures. Stay away from Netflix at these levels.
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berbagai jenis layanan konveksi profesional yang dapat Anda peroleh dari para ahli ini. Namun, selalu disarankan untuk memahami apa yang sebenarnya Anda butuhkan untuk meningkatkan peringkat situs web Anda di mesin pencari. Sebenarnya, bisnis online Tempat Bikin Kaos melibatkan sejumlah segmen penting, yang jika disatukan dapat memberi Anda hasil yang lebih baik. Jasa Tempat buat kaos murah Jika perusahaan mampu memberikan layanan tambahan seperti pilihan solusi yang beragam termasuk peringkat mesin pencari, pemasaran internet dan e-commerce di antara layanan perusahaan kaos Tempat Bikin Kaos lainnya, maka mereka memiliki kesempatan yang lebih baik untuk mendapatkan lebih banyak kontrak. Mereka juga harus dapat memberikan solusi peringkat 10 teratas Tempat Bikin Kaos
kepada pelanggan mereka. Selain Jasa sablon ini, kampanye email, pemasaran web, pengiriman posting dan e-commerce juga beberapa layanan penting yang sebagian milik bisnis Jasa bikin kaos. Beragam layanan pasti akan mempermudah pengunjung situs untuk mengetahui apa yang mereka cari. Periksa garansi. Seperti biasa, bisnis yang Tempat Bikin Kaos
menyediakan layanan Jasa Tempat Pembuatan Kaos Sablon Bandung yang terbaik
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Wednesday, May 26, 2010
Martha Can't Spell Underpinnings
I thought to myself...oooh...pining! I love angst! I love yearning! I could totally do a blog post about about angsty yearny pining.
But Martha, you're saying to yourself, underpinings isn't a real word.
Hush your mouth! English is my second language, you know-it-all. (But imagine my surprise last week when all the talk of bras arose.)
Ahem, back to UNDERPININGS.
You know my favorite part of a novel? The black moment. When I was a kid, I used to snap the book closed at the black moment and pretend it was the ending. Why bother with happily ever after? How boring. How unsatisfying. What is there for the character to want at that point?
Wanting something gives you a goal.
A person with a goal is motivated.
A motivated person DOES THINGS.
Which leads me to my number one lesson for writing an interesting novel.
Make your character pine for something simple.
I've read a few decent novels with an MC who flounders but the stories that grip me by the throat feature MCs who WANT.
In The Hunger Games, Katniss wants to survive even if it means killing everyone else.
In The Dust of 100 Dogs, pirate girl Emer wants her rightfully earned treasure.
In What I Saw And How I Lied, Evie wants a boy.
Life. Money. Boys. SIMPLE!!!!
While the stories may have other elements they are grounded in a girl who pines for something so much she slashes and burns through obstacles.
So pine, pine away. The author who pines for publication is more likely to write write write. The character who pines for something is more likely to do interesting things to get it.
And if you're big on top like me, get your bra size measured. It will save you a lot of pain in the long run.
6 comments:
I love it! Underpinings is actually a much more interesting word than underpinnings, after all. And I agree with you that it is the yearning, the searching, the determined march toward a goal that makes fiction --and life--most interesting. It's all pine with me ;-)
- May 26, 2010 at 7:06 AM
- Unknown said...
I'm a habitual underpiner. Comes with my short attention span.
Pine is so much more evocative than goal, captures the theme as well as the plot, if you know what I mean.
Think I'll use it from now on! Thanks!
- May 26, 2010 at 2:11 PM
- L.G.C. Smith said...
Sigh. (Imagine underpining -- emphasis on the under- part.) In life, I prefer my black moments on the grey side. I've had to address that tendency in my fiction.
- May 27, 2010 at 6:40 AM
I pine for good underpinnings. But underpine? Now I'm getting all linguistic about the word "pine." What's the source, the root, the definition?
- May 27, 2010 at 1:02 PM
- Rachael Herron said...
OMG, I love the image of you snapping the book closed at the black moment. :)
- May 27, 2010 at 1:15 PM
- Gigi Pandian said...
I admit I SUCK at putting my characters through the black moment. Yes, it's a problem I'm working on, and I'm making great strides (sorry, characters...).
- May 28, 2010 at 1:38 PM


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Sunday School – Middle School and High School
Sunday School classes dive deeper into God's word. We have started a series of Studies called Elements. They are designed to lead to a basic understanding of who God is, and how we relate to Him.
When: Sunday, 9:30 am, juice and doughnuts (the good ones) available beforehand.
Where: High School meets in the Fireside room, Middle School meets in the basement, juice and doughnuts are upstairs at the snack bar.
Sunday Morning, 10:30 a.m.
Middle School and High School
The Lowercase Church is a contemporary spiritual movement designed to challenge a rising generation of teens to connect with the living God through worship, fellowship, and relevant study of His word. Takes place the second Sunday of the month.
Sunday Nights, 6-8 p.m. – The Gathering Place
Middle School
Start the week off right! Join your friends for great games, awesome youth coaches, and answers to questions everyone has about God, the Bible, and how to live for Jesus and how it all applies to your life right now. Oh, and you will surely get something to eat! This is a great place to bring friends for the first time to get connected,
Look for special stuff every quarter! Join up now!
Small Groups
Small groups are available for High School Students and meet at various times through the week. This is a great chance to build Christ-centered friendships and dive deeper into issues facing teens everyday. Ask about a small group to join at youth group next Sunday night.
Wednesday Night – Middle School BYB (Bring Your Bible)
A time for middle school students to engage God's word, to find direction and understanding.
When: Wednesday Nights 6:30 p.m. – 7:30 p.m.
Where: The Gathering Place


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Juventus are the favourites to reach the Coppa Italia final after defeating Inter Milan 3-0 in the first leg in Turin. Inter Milan have a huge task at hand against Juventus in the second leg at the San Siro, Wednesday if they are to reach the final of the Coppa Italia. AC Milan, after defeating Alessandria in the other semifinal, have already booked their final slot.
Juventus have played some impressive football in all competitions this season, including the Champions League, where they are still in contention. With Juventus at the top of the table in the Serie A, the Old Lady have a chance of winning the treble this season.
Juventus, who scored three goals past Inter Milan in the first leg, also got the better of Inter in their last Serie A match on Sunday, winning 2-0.
Neutrals are in for an entertaining match. Inter need to score goals, for which they need to play an attacking style of football, taking the attack to the opposition from the first whistle.
Massimiliano Allegri, the Juve coach, believes that they are one goal away from the final.
"We're taking a healthy lead into the match, but anything can happen over the course of 90 minutes of football. They'll come out to attack us, so we'll have to be ready for that. In my view, we need to score at least once in order to increase our chances of reaching the final," Juventus official website quoted Allegri as saying.
Allegri also suggested that he is going to make some changes to the team.
"(Daniele) Rugani is young, but developing well and it's a good thing for him to get some more matches under his belt. (Roberto) Pereyra could feature, depending on which formation I adopt. (Patrick) Evra has been away the last two days due to a family issue. He's due back tonight, so will stay in Vinovo tomorrow to resume training.
"(Claudio) Marchisio is working with the rest of the team today. Whether he plays or not, he'll still be called up. (Andrea) Barzagli might be rested. Up front, I could go with the strike partnership of (Ãlvaro) Morata and (Simone)Zaza. Meanwhile, (Norberto) Neto gets the nod in goal."
Juve, with a healthy 3-0 lead, can afford such luxury, while Inter Milan cannot afford to make too many changes. Inter Milan have to play with their best eleven. However, Inter have some problems in picking their best squad. Forward Stevan Jovetic was injured in training, which has ruled him out of the fixture. Manager, Roberto Mancini will ask his offensive players to up the ante and find the back of the net.
Mauri Icardi, their striker, will be the key for Mancini up front. However, Inter cannot afford to concede a goal either, which only makes their task more difficult.
Defenders Jeison Murillo and Miranda are not available for the match due to suspension. However, another defender, Juan Jesus, wants his team to fight till the final minute of the game.
"It will be a difficult game, but we'll fight to the end," Footbal Itlaia quoted Jesus as saying in Inter Channel.
"Just as they scored three in the first leg, that's what we have to do, even without [Jeison] Murillo and Miranda but we can score the same number. I think we have a group which can do great work. The last two games against the Bianconeri haven't gone well for us, even if on Sunday they didn't create much."
"I think we'll have to take advantage of every chance we get, we have to do everything to take Inter to the final. We'll have to stay focused and not concede, because if we lose a goal it becomes all the more difficult."
Where to watch live
The Coppa Italia semifinal -- Inter Milan vs Juventus -- is scheduled for 8:45 p.m. local time (1:15 a.m. IST, 7:45 p.m. GMT and 2:45 p.m. ET) start. There is no live TV coverage in India.
Viewers in Italy can watch it live on RAI Uno.
Inter Milan vs Juventus can be watched live in the UK on Sky Sports 1/HD and Sky Sports 2/HD, with an option to live stream the match online on Sky Go.
US viewers can watch Inter Milan vs Juventus live on Gol TV USA.


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There are so many different kinds of coupon sites: some are general (like BensBargains or CouponMom), others are more niche (like TechBargains). Couponsquid.com, on sale at Flippa, looks like a general coupon site. Although it has a nice theme, it does look a bit like a turnkey site. The site is never going to become big like BensBargains.net, but there's one aspect that makes it an attractive site.
What Makes a Coupon Site Successful?
Couponing websites compete fiercely against each other for visitors, but it is a healthy and growing niche. The first thing to note is that most traffic for coupon sites comes from Google organic rankings or referrals (either word of mouth or on social networks).
The ideal way to gain traction in the couponing niche is to setup a PPC campaign. You'll have to spend money for at least a good six months until your referral and repeat visitors bring you enough traffic to the point where you can turn off your PPC campaign. But running a PPC campaign is work and it's also an added expense. You need to be able to tweak your pages such that the advertising you display is received well by your visitors.
Will Couponsquid.com be Successful?
The revenue for the site comes from Adsense, ShareaSale and Commission Junction. That's a nice diversity of affiliate networks.
Couponsquid.com was making over $1000 a month just by posting coupons from merchants across the Shareasale network:
It also published some coupons from Commission Junction, but the revenue was minimal compared to Shareasale.
This site still earns a couple hundred dollars a month from AdSense. That means it's still getting traffic, which is obviously a good sign.
The two worries for me going forward for anyone looking to purchase this site (the reserve price is probably above $2K):
- Can you make it more niche? It can stay a general couponing site, but it needs to be more laser targeted towards a certain demographics (for example, general coupons for a geographic area).
- Do you have the budget for a PPC campaign? The site is obviously in decline and needs some way to get traffic back up in this competitive niche.


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I have recently come into possession of a number of new Crossway titles, several of which are well worth reading. The first is pastor and musician Bob Kauflin's book on worship, Worship Matters (Crossway, 2008). Here's a synopsis of the book from the foreword: "In Worship Matters, Bob leads us skillfully through the Scriptures and through his experiences to better understand the why and how of biblical worship, regardless of the style or form." (11) The point, then, is not to cover the exact shape that biblically informed worship will take, but the reasons for its existence.
The book breaks down into four main parts: the leader, the task, healthy tensions, and right relationships. There are all kinds of helpful points to be found in these sections, as one would expect from a book written by a former professional musician who has a great passion for God-exalting congregational musicality. On one page Kauflin gives suggestions for chord progressions; on another he writes about the proper balance between tradition and innovation. On relevance, for example, he writes that "we need to ask whether the songs, words, arrangements, visuals, expressions, and traditions we're using are saying the things we want them to say–and whether people actually understand what we're saying." (191) After all, Kauflin notes, "we want to proclaim the unchanging gospel in ways our culture can comprehend, ways that will make it easy for people to perceive who Jesus Christ is and how he has changed us." (191) This is an excellent point to highlight, for it shows how Kauflin combines freshness–which we desperately need–with faithfulness, which is obviously our greatest concern as worshippers of the living God.I think that you should buy the book. Read it and get a better taste of what biblical worship stems from and looks like in the life of the local church. Learn from a man who has sung in the popular Christian a capella group GLAD, who leads thousands of worshippers each week at Covenant Life Church, one of my favorite churches, and who blends humble piety with wise reflection. If you're in a church, give it to your staff. Wayne Grudem, for his part, notes that "The next time I teach on worship, I plan to make this the required text." Bruce Ware says that "Kauflin provides an array of insights and instruction…all of which are wrapped in an overarching theology of the triune God, the gospel of grace, and the centrality of the cross."
Read it for the edification of your own spiritual life, and for the edification of the body whose central task is nothing other than worship of our majestic God.


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As the name suggests, Microsoft SharePoint allows a user to share and manage files and content on his or her system. Microsoft SharePoint is a means through which one can share files and communicate so that one can work with others as well at the same time. Through SharePoint, individuals can manage their projects, presentations, media files, contact other people and get to learn more about other things.
There are many new features that have been introduced in SharePoint 2013. One of them is that an online server is available which syncs all the files on your device with a storage space online. In this manner, documents can easily be saved and shared since protection is simplified. Even if the documents are online, they are accessible if one cannot get access to the internet. A Windows App store is also available which enables individuals to get as much support and as many helpful applications as possible. Another new feature is that social exchange is added greater mobility and compatibility is anoter new feature as well since Microsoft SharePoint 2013 is compatible with different smart phones and tablets. Sharing has become much simpler and permission to share is easily accessible now. Individuals can also choose whatever theme they like for the interface which allows users to customize it and make it more personal. An improved user interface has also made SharePoint easier to use.


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Beware of 'Gold' WhatsApp malware version but rejoice in the new WhatsApp desktop companion
Are you one of the billion plus users, globally, of WhatsApp? Then you are very attractive to low-lifes who see a WhatsApp malware version as a way of maliciously profiting from you. But let's not get too down in WhatsApp; it's an indispensable tool and now it's even easier and more convenient to use thanks to the long wished-for companion app for laptops and desktops on both Windows and Macs.
What's WhatsApp?
Maybe you have no idea what I am talking about? WhatsApp is an incredibly useful smartphone communication app. You need an Internet connection and that can be over Wi-Fi or a mobile data connection. It's a lot lot more than this but WhatsApp is best know for being able to exchange text messages with your friends, family and others, without restriction in message length, for free. And it really is free. In January WhatsApp, which is owned by Facebook, announced that its second year onwards subscription fee of a few pence was ending.
So what else can you do with WhatsApp? You can send photos, videos, other types of attachments and even make phone calls. When the recipient receives your message you get a confirmation and a second when it's displayed at their end. You can also have group chats. Your WhatsApp account is tied to your mobile phone number and until very recently its use was limited to one nominated device, but we'll cover the modification of that restriction further down the page. By being linked to your phone number you can contact other WhatsApp users simply by addressing their phone number. My father has spent many months in hospital in Thailand and I have been able to use WhatsApp to communicate with his doctors and even the nursing staff. Needless to say WhatsApp is a big hit with youngsters, too, so keeping in touch with my teenage daughters has been very handy as well.
What WhatsApp malware?
I have just had a communication from the press relations representative of several companies in the field of app development and internet security. They are commenting on the detection of a WhatsApp malware version masquerading as a 'Gold' edition of Whatsapp. I won't go into the precise details but the advice is, basically, to avoid any invitations, be they apparently be from friends or associates or other sources, to install a 'special' version of WhatApp. If you do, you will regret it. It's quite difficult to run the WhatsApp malware version because you have to get it from outside either the Android or iOS app stores. But Android does let you if you really want to and some have so-called jail-broken iOS devices that also allow unapporved software installations.
WhatsApp on your computer
Moving on, perhaps the only big frustration with WhatsApp used to be that it was restricted to one mobile device. This is usually your phone and its miniscule keyboard and the delights of wrestling with idiotic word suggestions and unfathomable auto-corrections. This is even worse when you have a full-size serviceable computer or laptop keyboard right in front of you. The clever people at WhatsApp worked all this out and last year provided Web access, called WhatApp Web. But it only worked on some browsers, you had to log in very time to use it and there were soem security concerns. Now WhatsApp have gone one better and provided a desktop companion app. Your account is still tied to your phone number and must be installed on a mobile device. However, the desktop companion app synchronises with your mobile app. You can use WhatsApp on your PC or laptop and activity will be replicated on your mobile device and vice versa. The app and Web services can do most things the app on your phone does apart from telephony. I'm sure this will be very popular indeed. To download the companion version of WhatsApp visit the WhatsApp website.
It's easy to install and all you need to do to synchronise your companion app with your mobile device is to use that device's camera to scan a QR code on the WhatsApp website. I haven't fully tested the companion app but it seems to work normally.